Anuj Pandey

Handle with Care!  Tips to Protect Your Laptop   Do you have a laptop that you use daily for more than 5 hours? Have you ever thought that your laptop also needs a tune up? Are you also wondering how to go about maintaining your laptop so that it accompanies you for years?  Laptops are expensive that you need to keep in the best shape. Once damaged, laptops take time to get repaired, and its cost may cough up your large amount.     Here are some tips that you can follow to keep your laptops in the best of the shape! Read on and know more!   Keep the battery cool    The batteries of your laptop - be it the high end or best laptops for college students, they are sure to wear out as they are of lithium. But, you can postpone it for some time. It can be done by avoiding the heat and using the battery as little as possible. If you want to use your laptop on AC power, you can shut down or hibernate it, remove the battery and even work without it. This way, you would be able to give your battery a break and increase its life.    Be careful while eating and drinking near your laptop    Many people are so engrossed in what they are doing on their laptop is that they start eating and drinking while continuing their work. It is good to be a working nerd, but not at the cost of ruining your laptop. Yes, spilling coffee on your keyboard may prove costly and you may have to pay dearly for a replacement. You could also short of your motherboard. Yes, you may work on your laptop in a café, but ensure to keep it very far from coffee and snacks.    Turn it into a desktop when you are home    You may not always need portability; hence; you can plug in a monitor, mouse and keyboard while working at your desk. It won’t only solve the food and drink issue as discussed before, but it even safeguards items more precious than a notebook – your eyes, hand and arms. It is not possible to set an ergonomic and proper working atmosphere with a small keyboard that’s attached to a small monitor.    Get the right carrying case    Before taking out your laptop with you out of your home, you should ensure that you pack the laptop appropriately. As per your laptop carrying preference, you should find a carrying case, shoulder bag or a backpack. You should ensure that it carries a padded section for safely keeping the laptop. It is good to use a backpack as the even distribution is better for your spine while moving it around.      Clean the keyboard regularly            When you see that the keys of your laptop have started to stick, then it’s the time for a cleaning. Ensure that you have shut down the laptop. You should then keep it open when you turn it upside down and gently tap on the back. It will help all the crumbs to come out. You can then use a compressed air can (available at a nearby computer shop or on eCommerce stores) to blow out all stuck trashes. But, before doing that, you should also go through the instructions on the can. It will help you use it safely on your notebook.    Ensure to clean the laptop screen once it needs it    If you are not able to see the email because of the dirt, you should then indulge in a little cleaning. You can take dry and microfiber cloth. Move it in circular motions. You should ensure to be gentle, but it is also good to apply slight pressure on some stubborn spots. If you are unable to clean the screen this way, then you should make a cleaning solution. To do that, you can mix distilled water and white vinegar in equal size into a spray bottle. Once this solution is ready, make sure that you have switched off the machine. Spray the solution onto the microfiber cloth and never on your screen directly. You should wipe in a circular motion again and wait at least 10 minutes before switching on the system.  By following these simple steps, you can easily keep the best laptops for college students and others in fine shape for years to come. You can buy a laptop by dividing its cost over a tenor and paying only fixed EMIs on the Bajaj Finserv EMI Network. Bajaj Finserv also offers pre-approved deals on EMI finance and other financial products to make the loan procedures simple and fast. You can share basic details like your name and mobile number to explore your pre-approved loan offers. 

With every transaction you make using your card you get to earn rewards in the form of bonus points. These reward points can be redeemed to get offers and discounts on your future purchases.  Also, when you use these reward points to make a Bajaj RBL credit card payment, you accumulate lesser dues. One of the most important things to know before applying for a credit card is how you can earn these reward points and use them. Given below are some tips on how to use RBL credit card reward points:  Tip 1- International rewards If you are planning for an international trip, you can earn reward points by using your card for the purchases you make abroad. You can then redeem these points to enjoy exclusive offers and discounts for your next transaction and reduce your credit card bill.  Tip 2- Loyalty bonus Practice paying your bills on time and never misuse your credit card. Doing so will make you earn considerable reward points in the form of loyalty bonuses. You can redeem these reward points the next time you make a Bajaj RBL credit card payment without increasing your dues. Tip 3- Travel points Use your card for flight tickets and hotel bookings to earn significant reward points. Also, earn substantial flyer miles with the Bajaj RBL credit card payment. These points come handy when you want to make a purchase without increasing the bill. While redeeming, you face no set restrictions or blackout days, which are a must-know credit card benefits for every traveller. Tip 4- High-value purchases Make your high-value purchases through your credit cards like jewellery, luxurious escapades and more. For every high-value purchase you get to earn reward points. One tip on how to use RBL credit card reward points is to avail offers and discounts against these points the next time you make a purchase so that your bill does not increase. Tip 5- Accelerated rewards Many credit card providers have tie-ups with specific brands. While you use your credit card to make transactions at their partner stores and restaurants you earn some extra reward points. Thus, inquire your credit card provider about their tie-ups and use your card accordingly. Tip 6- Apparels Use your card to shop apparels as you can earn considerable reward points for such transactions. However, make sure to ask your credit card provider about these transactions and know which type of shopping, online or offline, can help you earn more reward points and help your purchase accordingly. Redeeming these points to make purchases at places where you have no on-going discount is a tip on how to use RBL credit card reward points. Making such transactions will restrict your credit card bill from increasing. Tip 7- Fuel You can also earn a significant sum of reward points every time you purchase fuel. Also, you get to enjoy surcharge waiver and cashback for using your card for such purchases. The Bajaj Finserv RBL Bank SuperCard is one such card that offers attractive reward points on your transactions along with a sign-up bonus. Also, this card allows you to make ATM cash withdrawal with zero interest up to 50 days. You can also avail an emergency personal loan at 0% interest up to 90 days. This card also provides you with instant approval against minimal documentation. Bajaj Finserv has introduced pre-approved offers on credit cards to make the application process even easier for existing customers. These offers are also available on both secured loans like home loans and unsecured loans like business loans and personal loans. You can check your pre-approved offer by providing some necessary details like your name and phone number. These reward points stops your credit card bills from increasing. However, redeem these reward points before your credit card bill due date. Also, make sure to use these points wisely to avoid complications and make the most out of your credit card reward points.

The airline market of India has been booming in recent years. Individuals tend to prefer airlines as their mode of travel for personal as well as business trips. Nevertheless, there can be times when you may lack the appropriate fund for your travel and require the benefits of air miles credit cards instead. A credit card can be a traveller’s most useful financial tool. You can enjoy attractive offers and discounts on international purchases, hotel stays and flight bookings using such credit cards. Earning frequent flyer miles and access on getting personal loans are a few of the must know credit card benefits for every traveller. However, if you want to enjoy all the benefits a credit card can offer, consider the below-mentioned points before you choose the best credit card for you.   Annual fees-   All credit cards including air miles credit card come with pre-specified or nil annual fees. Lesser or no annual fees will restrict your credit card from accumulating higher dues, and thus your vacation will not be substantial on your pocket. Also, people who travel a lot can consider choosing a card with lower annual fees rather than no fees. Cards with charges tend to provide higher reward points that can be redeemed at your next purchase. Thus, inquire about the annual fees and other applicable charges and use your card accordingly. Consider the number of times you will use the card before you make a choice.   Reward points-    If you know how to use a credit card wisely, you will always make proper use of reward points. Reward points can be beneficial especially for users who are frequent travellers. You can earn reward points for every transaction you make. You can redeem these reward points to avail offers and discounts on your flight bookings and other purchases. There are credit cards which offer a minimum spendable amount before you can unlock these reward points. Thus, inquire your lender about such limits before you choose the best travel card for you.   Preferred airlines-   Before you select your credit card, analyse your preferred airlines. Consider your most common destinations along with the carrier which provides the best set of services in line. Once you are sure about the airlines you want to fly with, choose the card that offers reward points and other benefits with it. Note that most credit cards offer benefits only on partnered airlines.   Foreign transaction fee-   Make sure that your air miles credit card has no transaction fee applicable. Having a foreign transaction fee will only add up more dues. Also, inquire about any offers provided on priority booking, baggage and much more.   Online access-   Choose an air miles credit card that will provide you with online account access so that you can manage your account from anywhere any time. Also, online account access will help in tracking your monetary transactions. However, make sure that you check on the security and safety of your online account and transaction. The Bajaj Finserv RBL Bank SuperCard is one such card that provides online account access with robust security. This card also offers other benefits such as ATM Cash withdrawal at 0% interest, emergency personal loan at 0% interest, instant approval with minimal documentation. Bajaj Finserv has also introduced pre-approved offers on credit cards to make the application process easy. This pre-approved offer is also available on both secured loans like home loans and unsecured loans like personal loans. You can check your pre-approved offer by providing minimal details like your name and your phone number. While choosing the best credit card for you, make sure you analyse your available fund and plan your bill payment before making a transaction. Try to always pay your outstanding amounts within the grace period to avoid interest and late payment charges.  Also, always try to use below 40% of your credit card limit. Maintaining 40% credit utilisation will ensure a better credit score, which is one of the vital eligibility criteria to avail credit cards and loans. Also, make sure that you comply with the terms and conditions of your card to earn the best benefits from the issuer. To apply, download the credit card app now.

According to the March 2019 report compiled by the Reserve Bank of India, there are more than 33 different financial institutions that offer credit cards to eligible applicants. Selecting a particular financial tool from those available might prove to be a difficult task. You will have to thoroughly consider the available options, your monetary requirements, income, and several other factors before going for a particular credit card. Similarly, you should also check the added benefits of a credit card provided by your financial institution whenever you apply for a new card. Financial institutions provide loyalty reward programs along with their credit cards to benefit their customers. It is crucial to select a card offering similar rewards according to the spending habits of an applicant. Some cards may offer bonus points on purchases of fuel while others may provide accelerated rewards while purchasing air tickets. Hence, you must choose a card keeping your requirements in mind to make the most out of these rewards. Well-known financial institutions, like Bajaj Finserv, offer some of the best benefits with their Bajaj Finserv RBL Bank SuperCard. They also introduced several industry-first features with the Bajaj SuperCard, making it stand out from the rest of the options in the market. Let’s take a look at the top 5 benefits of using SuperCard to pay for your everyday expenses. Features of Bajaj Finserv RBL Bank SuperCard Cash facilities – You can use SuperCard as cash card in emergencies and withdraw money from ATMs. There is no interest levied in the amount for up to 50 days, which makes it ideal to tackle sudden cash requirements. You only have to pay a flat processing fee of 2.5% per transaction. Another one of the benefits of credit card is the facility to avail a loan against your unutilised credit limit. As a SuperCard user, you are allocated a pre-determined threshold, from which you can convert the available amount into a 90-day interest-free emergency loan. The entire process is quick, hassle-free, and affordable with only a 2.5% processing fee. EMI option – SuperCard is the only credit card available in the Indian financial market that combines the power of 4 different types of cards. You can use it as a loan card, cash card, credit card, and EMI card as per your unique requirement. You can break your high-cost expenses into affordable EMIs and pay them without straining your finances with the help of your Bajaj Finserv RBL Bank SuperCard. It will allow you enjoy all the benefits of a credit card without worrying about its repayments. Reward programs – An exciting reward point program makes SuperCard an attractive option for frequent shoppers, travellers, etc. You can get up to 20,000 reward points as a welcome gift, and more points for every Rs. 100 spent on online or storefront purchases. You can also earn accelerated points upon reaching certain yearly spending milestones. You can redeem these points for offers, discounts, gift cards, and several other types of added benefits. Moreover, you also get loyalty benefits like complimentary movie tickets and airport lounge access of up to Rs. 200 with the Bajaj SuperCard. Customer protection program – SuperCard comes equipped with robust security features to protect you against any unauthorised transactions. Features like zero-fraud liability cover and in-hand security eliminate risks of cybercrime and identity theft. You can also contact the financial institution in case of any theft or loss and block the credit card. Fuel surcharge waiver – Bajaj Finserv RBL Bank SuperCard can also be used as a fuel credit card, as it offers surcharge wavier of up to Rs. 200 every month. You can purchase fuel from any petrol pump in India to avail this discount. Moreover, an instant approval process makes these credit cards much more convenient to avail compared to other market options. Bajaj Finserv also provides pre-approved offers on credit cards and other unsecured advances like personal loans, business loans, secured credits like home loans, and a range of other financial products. It simplifies the process of availing finance and helps you save time. You only have to share some essential details online to check your pre-approved offer. The above-mentioned features and benefits make a Bajaj SuperCard one of the most attractive and efficient options amongst the variety of credit cards available in India.

Micro, Small and Medium Enterprises, or MSMEs, form the backbone of the Indian manufacturing industry. There are more than 42.50 million such organisations spread all across the nation, contributing to almost 95% of the total industrial units of the country. MSMEs mostly contribute as ancillary industries for the larger manufacturing organisations. They also manufacture a variety of goods; recent reports show that more than 6,000 different types of products are manufactured in micro and small production facilities. They also act as a forerunner in bringing new and innovative

As days pass, credit card providers add new benefits to their products to attract more customers and stay ahead of the competition. You can now avail a personal loan on your credit card and don’t even have to pay interest on repayment when you withdraw cash from ATMs using it. Hence, the age-old description to “what is a credit card” has changed considerably. Now, it is an instrument that can not only makes all your transactions lucrative but gives you features that can make your personal life less-complicated. Other than the above, financial institutions also provide facilities specific to select individuals. One such facility is a pre-approved offer. What is a pre-approved credit card? Credit card issuing companies scan through a database of individuals with a particular CIBIL score. They conduct a soft credit enquiry which does not impact your CIBIL score. The company then sends a pre-approved offer to you via mail or SMS, provided your credit score, and other eligibility pointers are satisfactory. Some financial institutions also enable you to apply for a pre-approved offer manually from their official website. Lending companies like Bajaj Finserv come with pre-approved offers which not only makes the whole procedure simple but also less time-consuming. These pre-approved offers are available with credit cards, personal loans, business loans, home loans and several other financial products and services. You can check your pre-approved offer by providing some of your details like contact number, name, etc. Such schemes reduce the hassle of long documentation along with other formalities and are available for existing customers. What are the benefits of a pre-approved offer? Benefits of pre-approved offers are numerous and can include: ● Higher credit limit ● Lower rate of interest (finance charges) ● Zero joining fee ● More features Also, going for a pre-approved offer manually does not lower your CIBIL score as it is a soft enquiry. On the other hand, making multiple credit card application reduces your CIBIL score as these are hard enquiries. You can learn about the benefits and features you may receive after you apply for a credit card when you opt for a pre-approved offer. This helps you to decide whether or not you should apply. What should you do after availing a pre-approved offer? Firstly, you still need to apply for credit card after you receive a pre-approved offer. The application procedure remains the same. When to opt for a pre-approved credit card? It is best to opt for a pre-approved credit card when you need it urgently or don’t want to go throw the usually lengthy process. Make sure you know what is a credit card and learn all about how it works before you proceed. Some companies send pre-approved offers only to attract customers. These offers might not have lucrative benefits. Which pre-approved credit card can you go for? One of the ideal options available to you is the Bajaj Finserv RBL Bank SuperCard. There are 6 variants of this credit card depending on your expenses. It combines the features of four cards in one and brings industry-first features like: ● Zero interest on repayment of ATM cash withdrawal that also for up to 50 days. ● No interest on EMIs for up to 90 days when you avail a personal loan on your credit card. Know about the rest of the features before you apply for a credit card: a. High reward points ● Welcome bonus of up to 20,000 reward points. ● Receive up to 20,000 reward points when you spend Rs. 3 Lakh in a year. You also earn additional 20,000 reward points when your expenses cross Rs. 5 Lakh. ● Up to 2 reward points for every Rs. 100 that you spend online or offline. ● Up to 20 reward points for every Rs. 100 that you spend overseas or on dining. The reward points you earn are redeemable for flight tickets, lifestyle products, hotel bookings, gift vouchers from reputed brands and retailers. b. Complimentary accesses to airport lounges The best credit cards offer up to 8 complimentary accesses to airport lounges in a year. c. Fuel surcharge waiver Use your card to pay for fuel and avoid surcharges of up to Rs. 200 every month. Also, you can receive reward points on such expenses. d. Free movie tickets You get a movie ticket for free when you buy one every month using your credit card. Or, avail a 10% discount on your movie ticket. Additionally, grace period, finance charges, and minimum/total payment due are some other things you must enquire about. Hence, know what is a credit card and then apply for the best one for you.

The global market of medical devices is growing exponentially since the last few years. It is forecasted to increase from 2018 to 2023 at a CAGR of 4.5%. Of the many factors that contribute to this growth, two major ones include technological development and healthcare expenditure. The impact of emerging trends of technology brought a considerable change in the medical technology scenario. However, getting one’s medical practice equipped with the best technology involves a lot of expenditure. It is on this note that various reputed financial institutions offer the best medical equipment financing. This helps healthcare practitioners mitigate the stress on their budget. Technologically upgraded equipment and machinery can be beneficial for both doctors and the patients. Benefits of advanced medical equipment Installing the latest medical devices can bring multiple benefits. Accurate diagnosis – Technologically advanced medical equipment are far more efficient and accurate in diagnosing patients. It leads to enhanced treatment and faster recovery time. The low cost incurred – Most of the modern medical equipment are expensive to buy/lease. However, they use less energy as compared to the volume of work done by them. It lowers electricity consumption. Thus, it has a positive impact on the financial health of your medical services. Swift service – It is essential that your clinic caters to more people at a time effortlessly. With the technologically advanced medical devices saving time, serving multiple patients becomes easier. Hence, it is a good investment for your business. However, medical professionals must know how to choose the right medical equipment for their purposes. As a doctor, you can now opt for customised loans from financial institutions and enjoy many benefits of medical equipment leasing and financing. Advantages of medical device leasing and financing Although vital for healthcare centres and clinics, medical equipment are usually quite costly and often need to be imported. This calls for the need for medical device lease and finance. Various reputed NBFCs like Bajaj Finserv take into account the various benefits, and therefore, offer affordable doctor loan interest rate along with easy repayment facilities. Equipment leasing from a reputed lender can benefit a borrower in the following ways: Maintenance expenses are covered: One of the best advantages of leasing expensive medical equipment is that the leasing company is responsible for the maintenance of the device. Built-in cycle management: Leasing of medical equipment grants a borrower the luxury to either upgrade his old machinery or replace a broken or faulty one. Control of cash: As compared to buying equipment, leasing the same requires much less amount. Additionally, medical practitioners can always utilise the extra fund to invest in building infrastructure, hiring skilled employees, leasing/renting out a new site for a clinic, refurbishing their workspace, etc. Moreover, leading financial institutions ensure that the process to apply for this loan is made simple. They also ask for easy-to-meet eligibility criteria for doctor loan and simple documentation requirements. How can an applicant qualify for medical equipment financing? An applicant needs to possess certain years of experience as per his/her degree to qualify for medical equipment finance. For example: 2 years for MBBS 5 years for dentists 6 years for Ayurveda and homoeopathic doctors, etc. What are the other features one can enjoy? Availing the Medical Equipment Loan from a reputable lender like Bajaj Finserv enables one to enjoy the following features. 100% hassle-free financing Higher loan amount of up to Rs. 30 Lakh Attractive rates of interest Online access to your loan account Prepay the loan with zero charges Fast processing and money in the bank within 24 hours Convenient repayment tenor Besides, opting for the Flexi Loan facility helps doctors grow their clinic in many ways with more flexibility. Hence, with the best medical equipment leasing and financing, doctors can afford expensive advanced equipment easily and ensure better treatments to patients.

Considered one amongst the most mineral-rich states in India, Odisha witnessed a 6.6% GDP growth rate in 2017-18. With such abundant natural resources, Odisha is also home to some of the major steel plants in the nation. The growing small businesses in and around the area contribute significantly to this number. The fishing industry is at its peak here because of the vast coastline natural to this state. Furthermore, Odisha also has many manufacturing industries, like – electricity, water, gas supply, construction and mining and quarrying. This industrial sector substantially adds on to this state’s GSDP. Thus the industries in and around Odisha have undergone considerable growth. Thanks to various business loan in Odisha offered by leading NBFCs like Bajaj Finserv. Their advances have numerous features and benefits for borrowers. How to use business loan in Odisha to help small businesses? Any business irrespective of its market size aims to grow further. In the case of small businesses, a significant hurdle in this growth is funding. With limited funds, the expansion of trade becomes difficult. Hence, reputed financial institutions provide loans for business. This credit amount so availed needs to be appropriately invested to gain maximum returns from the market. Here is how and why business loans are financially beneficial for SMEs – Purchase inventory Small enterprises often require financing to update their inventory or raw materials. In case of the sudden high demand for a product, entrepreneurs may utilise the fund obtained under a business loan in Odisha to buy raw materials and hence, meet the present need. Improve credit history It is always preferable that a company and its owner have a good credit score. A good score would yield better chances of obtaining a business loan. Hence, many entrepreneurs often avail short-term credits and follow up with timely repayments. This gives them a scope to improve their credit history, which will further have an impact on their creditworthiness. Purchase equipment Irrespective of the business genre, buying the latest equipment along with updated technologies is a mandate. However, for small and medium enterprises buying such expensive machinery (like mining equipment, cranes, factory production lines), becomes difficult. This calls for the funds acquired under business loans. The availability of technologically advanced equipment boosts the company’s productivity and hence will have a significant impact on its profit margin. Lease better workspace A spread-out workplace adequate for numerous workers and heavy-duty machines is essential for any business. Moreover, renting an easily accessible site for all can contribute to reducing the transportation cost of raw materials. However, considering the high charges involved in leasing such workspace, an investment in this would mean putting stress on the budget. Borrowers can use the credit amount obtained for this purpose. Additionally, with the low business loan interest rate charged by financial institutions like Bajaj Finserv, repaying it through easy EMIs would be easy. Also, collateral-free Business Loans can offer up to Rs. 30 Lakh. Borrowers can use this fund to cover their overhead expenses like rent, electricity, etc. Invest in marketing Small businesses always require better marketing to increase their client base. The launch of new products/services can be announced on their official website. Appointing/hiring the best digital marketing experts will help the entrepreneurs in this endeavour of theirs. Apart from these, borrowers may also use the credit amount to hired skilled employees and boost the company’s productivity as well as quality. Considering the multiple uses that this fund has, one of the reputed NBFCs provide the following unique benefits of business financing: Loan disbursal within 24 hours Minimum business loan eligibility Flexi Loan facility for easy repayment of loan amount through EMIs The flexible tenor of up to 60 months Quick approval of the loan application Nominal/basic documentation Thus, with the best business loan in Odisha, SME borrowers can grow their business with the funds acquired. As long as the investment generates more ROI than the financial liabilities incurred, the business is good to grow further while meeting the timely repayments. Business loans are essential financial products to grow the business forward.