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Oppression & Mismanagement https://www.metrodenversanctuary.org/ under Companies Act, 2013

The word oppression in common parlance refers to a situation or an act or instance of oppressing or subjecting to cruel or unjust impositions or restraints.
According to Lord Keith,” Oppression means, lack of morality and fair dealings in the affairs of the company which may be prejudicial to some members of the company
The term mismanagement refers to the process or practice of managing ineptly (अनुचित ढंग से- shockingly, illicitly, ineptly), incompetently, or dishonestly.
However it is to be noted that the terms are not defined under the companies act and is left to the discretion of the court to decide on the facts of the case whether there is oppression or mismanagement of minority or not.
Instances which can be termed as mismanagement
1. Preventing directors from functioning
2. Violations of statutory provisions
3. Violations of provisions of MOA & AOA of the company
4. Misuse of funds etc
A company is a distinct entity separate from the owners of the company where management and ownership is separated by a thin line of roles and responsibilities bestowed upon themselves. In a broad sense it is a group of persons who have come together or who have contributed money for some common purpose and have incorporated themselves into distinct legal entity. The whole scheme of the Companies Act, is to ensure proper conduct of the affairs of the company in public interest and preservation of image of country in public interest.
The section which covers oppression and mismanagement is 241 of companies Act 2013 and chapter XVI which corresponds to a clubbed section of 397 and 398 of the erstwhile Companies Act, 1956 .
As India is a democratic country, the companies being a legal citizen also bestows in itself the power of democracy. Corporate democracy is more vulnerable to it because it is reckoned with the number of shares and not with number of individuals involved. The rule of majority has been made applicable to the management of the affairs of the company. The members pass resolution on various subjects either by simple or three-fourth majority. Once resolution is passed by majority it is binding on all members. As a result, court will not ordinarily intervene to protect the minority interest affected by resolution. However there are exceptions to this rule- Prevention of Oppression and mismanagement being one such ground.
Hence, it is to be noted that this section can be invoked whenever there is oppression of the minority or there is mismanagement of the affairs of a company which is prejudicial to the public interest or to the interest of the company and its members. Thus, where a director is oppressed he does not have remedy under this section unless he is also a shareholder of the company. This section also specifies the circumstances in which an application may be made to the Tribunal by an member of a company or by the central Government for relief in cases of oppression and mismanagement.
Application to Tribunal for Relief (Section 241)
1. Application can be filed if it is likely that the affairs of the company will be conducted in a manner prejudicial to
i. Its interests or
ii. Its members
iii. Any class of members
2. The Central government in its own opinion apply to the tribunal
Relief against;
i. Any affairs have been /being conducted in a manner
-Prejudicial to public interest ,
-Prejudicial or oppressive to any member or
-Prejudicial to the interest of the company .
Material change, not being a change brought about by or interest of creditors (inclusive debenture holders or any class of shareholders)
Change may be through
• An alteration in the board of directors or managers or in the ownership of the companies share,
• If it has no share capital, in its membership, or
• In any other member
Which will be prejudicial to the interest of Company/members
Application can be filed to the Tribunal by:
Company having share capital -Not less than 100 members or 1/10th of total members, whichever is less or
-Any member/members holding not less than 1/10th of issued capital subject to no dues in respect of those share held
Company not having share capital Not less than 1/10th of total members
Powers of Tribunal (Section 242)
1. If the tribunal found that the affairs of the company is being conducted in a manner prejudicial to the interests of the company / its members/ to public interest and if wind up is unfairly prejudice to such member /members and the facts would justify that it is just and equitable to wind up the company- Tribunal may make such order as it thinks fit.
2. Other than the general powers specified , an order may provide for ,
• Regulation of the conduct of affairs of the company in future
• Purchase of shares /interests of any members of the company by other members
• If any shares purchased its consequent reduction of share capital
• Restriction on the transfer/allotment of shares
• Termination, setting aside or modification of any agreement between the company and its Managing Director , any other director or manager
• Termination, setting aside or modification of any agreement between the company and any other person
• The setting aside of
i. Any transfer , delivery of goods
ii. Payment, execution or
iii. Other act relating to property
Made /done by/against the company within 3 months before the date of the application which would if made /done by/against an individual , be deemed in his insolvency to be a fraudulent preference.
• Removal of managing director ,manager or any director of the company
• Recovery of undue gain made by any managing director , manager or director and the manner of utilization of the recovery.
• Manner of appointment of managing director or manager of the company may subsequent to an order removing
• Appointment of such number of persons as directors.
• Imposition of costs as may be deemed fit by the tribunal.
• Any other matters which the tribunal thinks it is just and equitable
3. A certified copy of the Order of the tribunal to be filed with ROC within 30 days of the order of the tribunal
4. Tribunal has the power to make interim order.
5. Alteration to MOA/AOA through the order of the tribunal
6. Altered provisions shall apply
7. Certified copy of the altered order shall be filed with the registrar.
Contravention of Section 242(5) Company ‘ Fine of Rs. l,oo,ooo to Rs. 25,oo,ooo Every officer in Default ‘ imprisonment up to 6 months ‘ Fine of Rs. 25,000 to Rs. 1,oo,ooo
Consequences of termination/modification of certain agreements (sec, 243)
Where an order made under section 242 terminates, sets aside or modifies an agreement, such order shall not give rise to any claims whatever against the company by any person for damages or for compensation for loss of office or in any other respect either in pursuance of the agreement or otherwise .No managing director or other director or manager whose agreement is so terminated or set aside shall, for a period of five years from the date of the order terminating or setting aside shall, for a period of five years from the date of the order terminating or setting aside the agreement, without the leave of the Tribunal be appointed or act, as the managing director or other director or manager of the company.
Consequences of termination/modification of certain agreements Contravention of Section 243(1)(b)
The person knowingly acting as Managing Director/ Director/Manager and every other director who is knowingly as party to contravention shall punishable with imprisonment up to 6 months or fine up to Rs. 5,00,000 or both .
Class Action (Section 245)
Class action can be initiated by such number of member/members, depositor/depositors,or any class of them indicated under sub section (2) of section 245
Requisite number of member for class Action
Company having share capital -Not less than 100 members or such % of its total number of members of the company whichever is less or
-Any member/members holding not less than such % of the issued share capital of the company
Company having no share capital Not less than 1/5th of the total number of its members.
Requisite number of depositors for Class Action
• Shall not be less than 100 depositors/ such % of total number of depositor, whichever is less OR
• Any depositor/depositors to whom such company owes such % of total deposits of the company
The members /depositors/any class of them are of the opinion that the management or conduct of the affairs of the company being conducted in a manner prejudicial to the interests of the Company , or its members/depositors is when an application is to be filed
Purpose of application
• Restrain the company from committing act ultra vires to MOA/ AOA of the company
• Breach of any provisions of MOA/AOA
• To declare a resolution altering MOA/AOA of the company
• Restrain the company and its directors from acting on such resolution
• Restrain from an act contrary to the provisions of the act or any other law for the time being in force.
• Restrain from taking action contrary to any resolution passed by the member
• To claim damages /compensation/demand/suitable action from or against
a. Company/Directors for any fraudulent, unlawful or wrongful or omission or conduct or its or their part
b. The auditor including audit firm of the company for any improper misleading statement of particulars made in his audit report
c. Any expert or advisor or consultant or any other person for any incorrect or misleading statement made to the company or for any fraudulent unlawful or wrongful act or conduct or any likely act or conduct or his part
• To seek any other remedy as the tribunal may deem fit
Liability of Audit Firm
The liability shall be of the firm and each partner who was involved in making any improper or misleading statement of particulars in the audit report or who acted in a fraudulent , unlawful or wrongful manner.
Considerations to the Tribunal
• Whether member/members acting in good faith or making an application for seeking an order.
• Whether there is any involvement of persons other than directors or officers of the company on any of the matters specified.
• Cause of action is one which the member or depositor could pursue in his own right rather than through an order.
• Views of the members/depositors of the company- no personal interest (direct or indirect) in the matter being proceeded.
• Whether the cause of action is an act or omission that is yet to occur ,whether the act or omission could be , and in the circumstances would likely to be
– Authorised by the company before it occurs, or
– Ratified by the company after it occurs.
• Where the course of action is an act or omission which is already occurred whether act or omission could be an act in the circumstances would be likely to be ratified by the company
Acceptance of application by Tribunal
• Issue public notice to all the members/ depositors of the case
• Consolidate all the similar application prevalent in any jurisdiction and appoint the lead applicant.
• Two class action application for the same cause of action shall not be allowed.
• Cost of expense shall be borne by the defrayed company/person responsible for an oppressive act.
• Any other order passed by the tribunal shall be binding
Contravention of section 245 by:
Company Fine of Rs 5,00,000 to Rs. 25,00,000
Every officer in default -Punishment with imprisonment up to 3 years
– Fine of Rs.25,000 to Rs.1,00,000
If any application filed to tribunal is found to be frivolous or vexatious -Reasons to be recorded in writing
-Reject the application
-Make an order that the applicant shall pay the opposite party such cost, not exceeding Rs 1,00,000
Application of certain provisions to proceedings under section 241 or section 245 (Section 245)
The provisions of section 337 to 341 (both inclusive) shall apply mutatis mutandis, in relation to an application made to the tribunal under section 241 or section 245.
Conclusion
Thus the new Companies Act 2013 in many ways ensures that the rights of the minority shareholders are protected in every possible manner. The stake held by them in a company is not in any manner subservient to the majority and it is the duty of the law to protect their interests from any odious activity of the latter. The Act and the Courts try to strike a fine balance between the Rights of Majority to rule and the protection of interests of the minority shareholders through the prevention of Oppression and Mismanagement.

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Basic Norms to Start a NBFC Business

Know what ‘NBFC’ is!
The regulatory body for NBFCs is the RBI https://gsweblive.in/slot-online/ and hence, they have to follow the banking regulations laid down by Section 45-IA of the RBI Act of 1934.

Services NBFCs Can Offer:
The business activities of NBFCs include loans & advances, acquisition of shares or stocks or bonds or debentures or securities that are issued by government or local authority or other marketable securities of similar nature, like leasing, hire-purchase, insurance business, chit business etc.

Services NBFCs Cannot Offer:
RBI clearly defines the domains which cannot be touched by the NBFCs, and thus agriculture activity, industrial activity, purchase or sale of any goods (other than securities) or providing any services, sale or purchase or construction of immovable property, cannot be dealt with by NBFCs.

Eligibility Norms for NBFC Registration!
 Company should be registered under the Companies Act, 2013
 Company should have Minimum Net Owned Fund of INR 2 crore

(Net Owned Funds to be calculated on the basis of the last audited balance sheet of the Company)

Types of NBFCs, Based on the Nature of Activities:
• Mortgage Guarantee Company
• Asset Finance Company
• Microfinance Company
• Infrastructure Finance Company
• Housing Finance Company
• Investment Company
• Loan Company
• Core Investment Company

Procedure of NBFC Registration:
1. First formality is forming a company with Minimum Net Owned Fund of INR 2 crore (Equity Share Capital & not Preference Share Capital).
2. Then the company needs to open a Bank Account and keep the entire sum of INR 2 crores in a bank’s deposit account which should be free from all liens).
3. The Applicant Company is then required to file an online application on the RBI’s website.
4. After the submission, the applicant will get a reference number that shall enable to facilitate inquiry in the future.
5. Thereafter, the company needs to submit the hard copies of required documents to the concerned Regional Office of RBI.
6. The Regional Office will verify the accuracy of all submitted documents and on satisfaction; it will forward the application for NBFC registration to the central office.
7. The central office of RBI grants the NBFC registration only after the applicant fulfills all prescribed requirements in the section 45-IA, of its act of 1934.

Documents required to be submitted to RBI:
For NBFC Incorporation the following documents will be required:
 Certificate of Incorporation (Certified Copy Issued by ROC)
 Extract of Main Object Clause in MOA (Clearly depicting Financial Business)
 Board of Resolution stating the following before getting registration from RBI:
 Adherence to the “Fair Practices Code (As per RBI Guidelines)
 Non-carrying out any NBFC activity
 Non-carrying out of acceptance of any public deposit
 Audited Balance Sheet & Profit & Loss account along with directors and auditors report (for entire period of company’s existence or last 3 years, whichever is less)
 Director’s Highest Educational & Professional Qualification (Copy of certificate)
 Director’s experience in the Financial Services Sector, including Banking Sector (Copy of certificate)
 Details of deposits & loans balances as on the date of application & conduct of account (Bankers report)

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फ्लिपकार्ट का छोटे कारोबारियों के लिए शानदार ऑफर, दो दिन में मिल जाएगा 3 करोड़ तक का लोन
1 लाख से ज्यादा व्यापारियों को होगा फायदा, नहीं लगाने होंगे बैंकों के चक्कर

ई-कॉमर्स मार्केटप्लेस फ्लिपकार्ट ने सूक्ष्म, लघु एवं मध्यम उद्यम ( एमएसएमई) कारोबारियों को सशक्त बनाने के उद्देश्य से शुरू किए गए अपने अभियान ‘ग्रोथ कैपिटल’ को नया रूप दिया है। इसके तहत अब छोटे कारोबारी अपना Situs Judi Slot Terbaik dan Terpercaya No 1 व्यापार बढ़ाने के लिए फ्लिपकार्ट के माध्यम से 3 करोड़ रुपए तक का लोन ले सकेंगे। इससे व्यापारियों को लोन लेने के लिए बैंकों के चक्कर नहीं लगाने होंगे।

एक लाख से अधिक व्यापारियों को होगा फायदा
कंपनी की ओर से जारी बयान के अनुसार, अभियान में किए गए परिवर्तन से प्लेटफॉर्म के एक लाख से अधिक विक्रेता 10 एनबीएफसी और बैंकों से प्रतिस्पर्धी ब्याज दरों पर ऋण प्राप्त कर सकेंगे। अब 1 दिन के अनुमोदन समय और 48 घंटों के अंदर विक्रेताओं के बैंक खातों में धन राशि हस्तांतरित कर दी जाएगी। उसने कहा कि ग्रोथ कैपिटल में न्यूनतम कागजी कार्रवाई की आवश्यकता होती है। कंपनी ने बताया कि औसत ऋण की राशि 7 लाख रुपए तक है, लेकिन विक्रेता 9.5 प्रतिशत ब्याज पर 3 करोड़ रुपए तक का ऋण ले सकते हैं।

इन बैंकों और एनबीएफसी से किया समझौता
फ्लिपकार्ट ने अपने प्लेटफॉर्म के विक्रेताओं को शीघ्र लोन दिलाने के लिए कई बैंकों और नॉन बैंकिंग फाइनेंस कंपनियों (एनबीएफसी) के साथ समझौता किया है इसमें भारतीय स्टेट बैंक , बैंक ऑफ बड़ौदा, एक्सिस बैंक, आदित्य बिड़ला फाइनेंस, टाटा कैपिटल, फ्लेक्सिलोंस, स्मॉल इंडस्ट्रीज डेवलपमेंट बैंक ऑफ इंडिया, लेंडिंगकार्ट, इंडिफी और हैप्पी लोन शामिल हैं।

फ्लिपकार्ट ग्रुप के पास 15 करोड़ से ज्यादा ग्राहक
फ्लिपकार्ट ग्रुप फ्लिपकार्ट, मिंत्रा, जाबोंग और फोनपे जैसे प्लेटफॉर्म का संचालन करता है। फ्लिपकार्ट के पास देशभर में लाखों ग्राहक, सेलर, मर्चेंट और छोटे कारोबारियों का बड़ा नेटवर्क है। फ्लिपकार्ट ग्रुप के सभी प्लेटफॉर्म के पास 15 करोड़ से ज्यादा रजिस्टर्ड ग्राहक हैं। यह सभी ग्रुप प्लेटफॉर्म 80 से ज्यादा वर्गों में 8 करोड़ से ज्यादा उत्पाद उपलब्ध कराते हैं।

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Lending Rate / समझें MCLR की पूरी A, B, C, D, इससे तय होती है आपके लोन की ब्याज दर

हर बार RBI की बाई-मंथली मॉनिटरी की तारीख agen slot mudah menang नजदीक आने के साथ ही बैंकों की ब्याज दरों में कमी को लेकर चर्चाएं होने लगती हैं। हालांकि बैंकों की लेंडिंग रेट तय करने के लिए एक अलग ही फॉर्मूला है, जो एमसीएलआर MCLR यानी Marginal Cost of Funds based Lending Rate है। RBI ने 1 अप्रैल, 2016 से एमसीएलआर (MCLR) को लागू किया था। इसके तहत बैंकों को इंटरेस्टI रेट उसी समय से कम करना है, जिस वक्तल आरबीआई (RBI) अपनी प्रमुख दरों में कटौती करता है। इससे पहले कई बैंक आरबीआई की ओर से की गई कटौती की तुलना में ब्याnज दरों में कटौती में देरी करने के साथ ही अपने हिसाब से ब्याज दरों में कटौती करते थे। नए नियम के लागू हो जाने के बाद एसबीआई ने कस्टीमर को इसका फायदा देना शुरू किया है। आइए जानते हैं क्याह है MCLR फॉर्मूला…

1. क्या‍ है MCLR फॉर्मूला
बैंकों के लिए Lending Interest Rate तय करने के फॉर्मूले का नाम MCLR है। दरअसल RBI के द्वारा बैंकों के लिए तय फॉर्मूला Fund की Marginal Cost पर आधारित है। इस फॉर्मूले का उद्देश्य कस्टकमर को कम इंटरेस्टa रेट का फायदा देना और बैकों के लिए इंटरेस्टत रेट तय करने की प्रक्रिया में पारदर्शिता लाना है। अप्रैल, 2016 से ही बैंक नए फॉर्मूले के तहत मार्जिनल कॉस्ट से लेंडिंग रेट तय कर रहे हैं। साथ ही बैंकों को हर महीने MCLR की जानकारी देनी होती है। आरबीआई द्वारा जारी इस नियम से बैंकों को ज्यादा प्रतिस्पर्धी बनाने में मदद मिलने और इकोनॉमिक ग्रोथ में भी इसका लाभ मिलने की उम्मीद थी।

2. MCLR फॉर्मूले का फायदा
इस फॉर्मूले से कस्टभमर को सबसे बड़ा फायदा यह होता है कि जैसे ही आरबीआई रेट में कटौती करता है, वैसे ही बैंकों को अपनी ब्याज दर कम करनी होती है। जबकि पहले के लेंडिंग रेट फॉर्मूले में बैंकों के ऊपर यह बाध्यता नहीं थी। इस वजह से लोन लेने वाले कस्टमर को सस्तेे कर्ज के लिए काफी इंतजार करना पड़ता था। लेकिन अब यदि कोई कस्मटर अपने लोन को इस फॉर्मूले (MCLR) के आधार पर शिफ्ट कराता है तो उसे सस्ते कर्ज का लाभ जल्दइ से जल्द् मिल जाएगा।

3. पुराने कस्टआमर को भी होगा लाभ
MCLR फॉर्मूले का फायदा नए कस्टमर के साथ ही पुराने कस्टामर को भी मिलता है। जिस कस्टMमर ने एमसीएलआर बदलने से पहले लोन लिया है और उसका लोन लेंडिंग रेट फॉर्मूले से जुड़ा हुआ है, तो एमसीएलआर घटने के साथ ही उसकी EMI कम हो जाती है।

4. कैसे तय होता है MCLR
मार्जिनल का मतलब होता है- अलग से या अतिरिक्त। जब भी बैंक लेंडिंग रेट तय करते हैं, तो वे बदली हुई स्थिततियों में खर्च और मार्जिनल कॉस्ट को भी कैलकुलेट करते हैं। बैंकों के स्तर पर ग्राहकों को डिपॉजिट पर दिए जाने वाली ब्याज दर शामिल होती है। MCLR को तय करने के लिए 4 फैक्टर को ध्यान में रखा जाता है. इसमें

-फंड का अतिरिक्त चार्ज
– निगेटिव कैरी ऑन CRR
-ऑपरेशन कॉस्ट
-टेन्योर प्रीमियम

5. क्या है कैश रिजर्व रेश्यो (CRR)
कैश रिजर्व रेश्यो वह रेश्यो होता है, जिसके आधार पर बैंकों को कुछ पैसे आरबीआई के पास जमा रखने पड़ते हैं।

6. आप पर ऐसे पड़ता है असर
जब भी कैश रिजर्व रेश्यो बढ़ता है, तो बैंक कम लोन देते हैं। दरअसल सीआरआर बढ़ने से उन्हें आरबीआई के पास ज्यादा पैसे रिजर्व में रखने पड़ते हैं। इससे बैंक कम कर्ज देते हैं और वह लेंडिंग रेट्स बढ़ा देते हैं। वहीं, जब भी सीआरआर में कटौती की जाती है, तो बैंकों पर ज्यादा कर्ज देने का दबाव बनता है।

Source

GST में Registered सभी व्यापारियों को मिलेगा 10 लाख रुपए का दुर्घटना बीमा, राष्ट्रपति के अभिभाषण में उल्लेख

राष्ट्रपति रामनाथ कोविंद ने गुरुवार को संसद के सयुंक्त सत्र को संबोधित करते हुए जीएसटी में रजिस्टर्ड व्यापारियों को 10 लाख रुपए तक का दुर्घटना बीमा देने का ऐलान किया। राष्ट्रपति ने अपनी सरकार की उपलब्धियों को बताते हुए आगामी नीतियों के बारे में जानकारी दी। उन्होंने व्यापारियों के लिए राष्ट्रीय व्यापारी कल्याण बोर्ड के गठन का ऐलान किया। MSME सेक्टर से जुड़े उद्यमियों को ऋण लेने में दिक्कत न हो, इसके लिए क्रेडिट गारंटी कवरेज का दायरा एक लाख करोड़ रुपए तक बढ़ाने पर काम किया जा रहा है।

अभिभाषण में कहा गया है कि भारत को ग्लोबल मैन्यूफैक्चरिंग हब बनाने के लिए तेज़ी से काम हो रहा है। इंडस्ट्री 4.0 को ध्यान में रखते हुए, जल्द ही नई औद्योगिक नीति की घोषणा की जाएगी। ‘Ease of Doing Business’ के तहत राज्यों के साथ मिलकर, नियमों को सरल बनाने की प्रक्रिया को और तेज किया जाएगा। इसी कड़ी में कंपनी कानून में भी आवश्यक बदलाव लाए जा रहे हैं।

Setting-up of New eCommerce Business:

Second Point- Hosting

Yes, hosting matters.

Whether you’re thinking about SEO, PPC, or social media marketing as a way to generate traffic to the site, hosting plays a bigger role than you may realize.

Think about it:

Do you like going to a slow-loading website and waiting for it to load?

Of course not!

It doesn’t matter what method of traffic generation you’re using:

Visitors will leave the site more often than not and it can affect your SEO efforts.

And then, what?

Before you can even understand what’s going on, there goes your chance of getting a sale!

A quality web hosting solution will be fast, secure, reliable, local, and won’t cost you much.

Who’s got the best hosting for affiliate marketers?
We all have our favorites.

Just make sure you pick a hosting solution that offers you everything that was previously mentioned!

RBI panel on MSMEs suggests Rs 20 lakh collateral-free loan under Mudra Loan Scheme

RBI expert committee on micro, small and medium enterprises (MSMEs) has recommended doubling the cap on collateral-free loans to Rs 20 lakh from the current Rs 10 lakh. This will be extended to borrowers falling under the Mudra scheme, self-help groups, and MSMEs, said a person privy to the development. The committee is learnt to have suggested various long-term solutions for the economic and financial sustainability of MSMEs. The panel’s recommendations have come at a time when the government is contemplating changing the definition of MSMEs.

According to the 2006 definition, manufacturing units with investment below Rs 25 lakh were termed micro, those between Rs 25 lakh and Rs 5 crore termed small, and from Rs 5 crore to Rs 10 crore medium. For service units, the corresponding amounts were up to Rs 10 lakh for micro, Rs 10 lakh-2 crore for small, and Rs 2 crore-5 crore for medium enterprises.

However, the proposed change under a new draft, as approved by the Cabinet but not yet accepted, is that annual turnover, rather than investment size, should be the criterion for such units. Under the draft, there would be no difference between a manufacturing and service unit. Micro can be up to Rs 5 crore of turnover, small up to Rs 75 crore, and medium up to Rs 250 crore of turnover should be considered.

The Pradhan Mantri Mudra Yojana (PMMY) was launched in April 2015 by Prime Minister Narendra Modi. The loans are given to non-corporate, non-farm small and micro enterprises.

The loans are given by banks and non-banking financial companies as working capital and term loans for business enterprises in manufacturing, trading and services and for agriculture activities.

Even as the loans are covered under Credit Guarantee for Micro Units, the bad debt is high. If the collateral-free loan amount is doubled, it can push up the absolute amount of bad debts too. But bankers would unlikely to double the ticket size unless the insurance cover commensurately rises.

Home Loan पर Overdraft, personal loan से ज्यादा फायदेमंद
1-घर खरीदने के लिए बैंक से कर्ज (होम लोन) लेने की योजना बना रहे हैं तो Overdraft की सुविधा आपके लिए एक बेहतर विकल्प हो सकता है। इसके तहत मुश्किल समय में जरुरत पड़ने पर एक राशि बचत खाते की तरतह निकाल सकते हैं। हालांकि, बैंक इसकी सुविधा कुछ शर्तों के साथ देते हैं। आइए जाने होम लोन पर Overdraft सुविधा क्या है?
2- 0.25 फीसदी अधिक ब्याज वसूलते हैं बैंक Overdraft सुविधा पर
3. 8.6 फीसदी से लेकर 9.75% ब्याज है एसबीआई के Overdraft होम लोन पर
4. 20 साल की लोन अवधि के दौरान इस सुविधा का लाभ उठा सकते हैं उपभोक्ता
5.क्या है Overdraft सुविधा- होम लोन लेने वाले सभी कर्जदारों को एक तय मासिक किश्त (ईएणआई) बैंक में जमा करनी पड़ती है। वहीं होम लोन के पूर्व भुगतान पर बैंक किसी तरह का शुल्क नहीं लेते हैं। Overdraft के तहत बैंक यह सुविधा देते हैं कि यदि EMI से अधिक राशि आप होम लोन खाता में जमा करते हैं तो जरूरत पड़ने पर उसे आसानी से निकाल सकते हैं।
6. ऐसे ले सकते हैं आप इस सुविधा का लाभ–अगर 30 लाख रुपये का होम लोन 10% ब्याज पर 20 साल के लिए लिया है तो EMI करीब 29 हजार होगी। एक साल बाद आपके बास एक लाख रुपये आता है और उसे होम लोन खाता में डाल देते हैं। एक साल बाद लोन घटकर अगर 29.50 लाख रुपये हो जाता है और एक लाख रुपये आप अतिरिक्त होम लोन खाता में डाल देते हैं तो इस सुविधा के तहत ब्याज सिर्फ 28.50 लाख रुपये पर लगेगा। साथ ही जरुरत पर एक लाख रुपये निकाल सकते हैं।
7.सामान्य लोन से कैसे अलग- आप सामान्य होम लेते हैं और 50 हजार या एक लाख जमा करते हैं तो इससे होम लोन का बोझ जरुर कम हो जाता है लेकिन जरुरत पर अतिरिक्त जमा की गई राशि निकालने की सुविधा नहीं होती है।
8. इस तरह दूसरे लोन से ज्यादा बचत- मुश्किल समय में उपभोक्ताओं के लिए पर्सनल लोन एक आसान विकल्प होता है। लिन यह अधिकतम पांच साल के लिए मिलता है। साथ ही इसकी ब्याज दर सालाना 18 फीसदी तक होती है। कम अवधि होने से इसकी EMI भी ज्यादा होती है। वहीं होम लोन Overdraft सुविधा होम लोन की ब्याज दर से 0.05 से 0.25 फीसदी अधिक दर पर मिल जाती है जो पर्सनल लोन काफी सस्ता है।

Setting-up of New eCommerce Business:

First Point- Domain Name

This is a huge factor.

It can really determine whether or not your website is successful.

The choice you have to make is simple:

Either you wanna have a website with a huge authority that can be something you can actually brand, or you wanna go for a short, straight-to-the-point, exact match or partial match domain.

Each method can become a site that earns money, which means you really need to take some time before you launch and decide what are the long-term goals you have for the website.

The beautiful thing about building a large, authority site?

You can always be on top of it and you’ll get to turn a real profit, whereas if you happen to choose an exact match domain to target one main keyword, it could all fizzle out over time as trends change.

For example, if you’re working in the golf niche, do you want to create an authority site that you can keep exploring long-term and use it as a continuous project or do you want to target a specific product or niche within the massive general niche of golf?

The exact match option might produce faster results while the other option could be something you continue to build upon as time goes by.

Is there a right or a wrong way?

No, not really.

You can make money either way, which is why it’s really important that you take some time to ponder upon these crucial matters at the early stages of your endeavor.