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Franklin Templeton Dividend Posted: 21 May 2013 08:02 PM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)  Franklin Templeton Mutual Fund has announced dividend under the following schemes: The record date has been fixed as May 24, 2013. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax Plan Invest Online HDFC TaxSaver Invest Online DSP BlackRock Tax Saver Fund Invest Online Reliance Tax Saver (ELSS) Fund Invest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) Fund Invest Online SBI Magnum Tax Gain Scheme 1993 Invest Online Sundaram Tax Saver Invest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFunds Invest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

Credit Utilisation and CIBIL score Posted: 21 May 2013 05:36 PM PDT Invest In Tax Saving Mutual Funds Online Download Tax Saving Mutual Fund Application Forms Buy Gold Mutual Funds Call 0 94 8300 8300 (India)     "Anything in excess is a sin" goes an old adage. Like in life, even in handling your finances, indulging can prove to be a spot on your credit history. Take for instance, credit card utilization, some help to improve his Credit Information Bureau (India) Limited (CIBIL) credit score A credit bureau typically looks at this in two ways. First, if you have hit the limit on credit cards and there is an untoward development like loss of job, it is highly likely that you may default on the repayment of outstanding. A point to note here is that the credit card outstanding is unsecured debt for the credit card holder and one who uses maximum such limit, which indicates that the individual has a voracious appetite for credit. Naturally, for such individual her CIBIL score goes down. To better deal with this situation, you should understand credit card utilisation level. Credit bureau interprets credit card utilisation on both parameters - utilisation per card and utilisation of overall limit - all cards put together. This can be understood with an example. Suppose you have two credit cards - each with Rs 1 lakh credit limit. You spend Rs 1 lakh on the first credit card and Rs 5000 on the other. Credit card utilisation for these cards stand at 100 percent and 5 percent respectively. And considering this, the overall limit the utilisation is at 52.5 percent. Here the 100 percent utilisation of first credit card's limit can pull down your credit score, though the overall credit utilisation may not be alarming. As a rule of thumb, you should limit your utilisation of credit card limit to 30 percent, jointly - which means on each card and all cards put together this number of 30 percent matter. Now let us look at how to deal with this issue. First, try to analyse the main reason behind such high utilisation of credit limit. If your credit limits are low, enhance it by offering recent income proof. Spend across credit cards - instead of utilising 100 percent limit of one card and none of the other, spend on both cards. If you are spending too much money, cut down on your expenses. If you are not allotted more credit limit apply for a secured credit card or pay using other channels such as net banking. If you see your expenditure ballooning in a particular month, you may also pay your credit card issuing bank, much before the end of the cycle, and bring down your outstanding credit. Bring down the credit card utilisation level below 30 percent for six months to one year, and you will see your CIBIL credit score gradually improving. Observing these rules can help sail through various financial hardships. Because be it food or money, exercising control can help you relish it well. Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) ICICI Prudential Tax Plan Invest Online HDFC TaxSaver Invest Online DSP BlackRock Tax Saver Fund Invest Online Reliance Tax Saver (ELSS) Fund Invest Online Birla Sun Life Tax Relief '96 Invest Online IDFC Tax Advantage (ELSS) Fund Invest Online SBI Magnum Tax Gain Scheme 1993 Invest Online Sundaram Tax Saver Invest Online Edelweiss ELSS Invest Online ------------------ Best Performing Mutual Funds Largecap Funds Invest Online DSP BlackRock Top 100 Fund ICICI Prudential Focused Blue Chip Fund Birla Sun Life Front Line Equity Fund Large and Midcap Funds Invest Online ICICI Prudential Dynamic Plan HDFC Top 200 Fund UTI Dividend Yield Fund Mid and SmallCap Funds Invest Online Reliance Equity Opportunities Fund DSP BlackRock Small & Midcap Fund Sundaram Select Midcap IDFC Premier Equity Fund Small and MicroCap Funds Invest Online DSP BlackRock MicroCap Fund Sector Funds Invest Online Reliance Banking Fund Reliance Banking Fund Tax Saver MutualFunds Invest Online ICICI Prudential Tax Plan HDFC Taxsaver DSP BlackRock Tax Saver Fund Reliance Tax Saver (ELSS) Fund Gold Mutual Funds Invest Online Relaince Gold Savings Fund ICICI Prudential Regular Gold Savings Fund HDFC Gold Fund Invest in Tax Saving Mutual Funds Download Any Application Forms Buy Mutual Funds Online Invest Online Buy Gold Mutual Funds Invest Now

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