Month: February 2020

Digismart Credit Card: Features, Eligibility & Documents Required

When cash transaction was hampering the lives of the people, credit cards helped them to the rescue. Now, the credit cards are provided with an all-new feature which helps people experience another level of convenience. With the launch of Digismart Credit Card, people can now shop, travel, dine, etc. with one single card. One can use it for the purchase of groceries or can even use it as a movie card India.

The Digismart Card launched by Standard Charter is an all-in-one credit card that can be used for various transactions. In addition to this convenience, the card has a monthly charge of INR 49 instead of an annual fee, and also offers multiple benefits and offers on different transactions.

Features of Digismart Credit Card

Here are the features this card has brought to the people-

Contactless Payment

People can now enjoy contactless payment with the help of this card, at the NFC-enabled POS. The limit of this transaction is up to INR 2,000 at a time.

Secure Online Transaction

While a user purchases things online, it is normal for him to consider the safety and security of the transaction. Digismart Credit card is designed in such a way so as to provide complete assurance to the users.

Anything on EMI

Users can get EMI facility on transactions above INR 5,000 via mobile or internet banking. This makes payments less strenuous.


With the help fo this card, one can also avail a loan of up to INR 5 lakhs with 12-60 months tenure. Besides, the cardholders can also transfer the outstanding balance of any credit card in order to save high-interest charges, making the payment via small EMIs.

Offers and Benefits

There are various offers provided by Digismart Credit Card. For instance, with the help of BOGO offer on INOX, one can enjoy the movie card India extensively. In this offer, the movie card India allows users to avail a maximum discount of INR 400 twice every month. In addition to this, shopping with the help of this card can also be availed at Grofers or Myntra. For travelling, the discount partner of the users would be Yatra while for ordering food online, Zomato is on the list. The discounts on these sights range from 10% to 25% which will allow saving from INR 750 to INR 10,000.

How to get Digismart Credit Card?

To apply for the movie card India online, you will have to meet the basic eligibility criteria which are discussed below-

  • A person must be at least 21 years old at the time of application. The maximum age as specified is 65 years.
  • The person must have a stable source of income, or else the chances of getting the card approved would be less.
  • The applier must belong to the location where the Standard Chartered Bank permits.

Other than the above requirements, the credit card seeker must also possess all the eligible documents like ID, address proof, etc. One can also visit the website of the card issuer to know more.

Details of the documents required for the Digismart Credit Card-

  • Proof of Identity: One will have to provide PAN card, Aadhaar Card, Driving License, Voter’s ID, Passport, etc. (any one) as his identity proof.
  • Address proof: Aadhaar Card, Driving License, Utility Bill of up to 3 months old, Ration Card, etc. can be used.
  • Income proof: Salary slip of not more than 3 months old, Bank statement of the last three months and Latest Form 16.

Since the Digismart Credit Card comes with a lot of facilities and can also work as a movie card India, one must take advantage of it. Apply and gain offers on major platforms.

How Crawfort helps customers to fulfill their needs?

Many people are there who all are very much interested in going for different things. But to get those, you need the money, and it is not an easy job to earn and spend money always. Singapore is a place where almost everything is expensive, and for that, it comes among the most expensive cities in the world.

There are many times when people suffer from financial problems. During that time, they always think of getting to a moneylender to get some assistance. But while going for the moneylenders in here, you will encounter two types of moneylenders.

The two kind of money lender are:

  1. Private money lenders
  2. Licensed money lenders

Difference between the two

In the first case, when you go for private money lenders, you may face some issues in the future. It is because private money lenders don’t follow the law that is set for them. They also charge the rate of interest as per their wish.

When it comes to the repayment time, they may harass you if you ask for more time or can’t repay the money.

While you go for the licensed money lenders, then you can find that they proceed as per the law. They charge the minimum interest rate and make things simple for you all. Apart from that all, the next thing is that they give extra time for repayment as well.

From all these, you can know that the significant difference that you must take care of. So, it is always better to go for the Singapore Licensed Moneylender and get the amount from them.

Why is licensed moneylender best?

There are many people who all are there wondering about the advantage of going for the licensed moneylender. Earlier, there are moneylenders who all lend money, but at the same time, they charge high-interest rates as well.

So, for all these reasons, the borrowers get to harass and find difficulty to pay the enormous sum at the end. To make it simple and easy for the borrowers, Singapore passes a law in the year 2015.

Within that law, the entire licensed moneylender comes under it, and they need to do all the things as per requirement. It means that they can’t charge you more as per their wish. You will also get the right to extend the time to repay the amount, but for that, you need to pay some fine at the end.

What does the law state?

In the year 2015, the Ministry of Singapore, pass a law for the moneylenders. In that law, states the following things which need to get follow.

  1. No moneylender can charge more than 4 percent of the interest rate.
  2. The interest amount can’t be more than the principal amount.
  3. The additional charges and other fees must be minimal for the borrowers.
  4. If the borrowers want to extend the time for repayment, then a fine of $60 will be there. Along with it, the borrower will get the new time frame for repayment.
  5. In case of dispute or any other thing, both parties can approach the court of law.

Is there any best-licensed moneylender here?

Are you searching for the best Singapore licensed moneylender?  Then you will get plenty of them. In Singapore, you will get nearly 160 licensed moneylenders who all can help you financially.

As it is a huge list, so many customers get confused about the agencies. If you are in search of getting the best moneylender here, then you can go for the Crawfort moneylenders.

Kind of loans offers to you

If you are thinking of taking a loan from here, then you can avail of three kinds of loans from here.

  1. Payday loans

The very first kind of loan that you can get from here is payday loans. There are many times when you spend all your money on the salary in the first week. If that happens then no worries, you can visit here and can apply for payday loans.

  1. Personal loans 

The next kind of loan that you can avail from here is personal loans. If you need money to buy a car, property, pay fees and bills, or anything else, then you can apply for it. Under the loan, you can spend the money at anything that you wish.

  1. Business loans

If you are in a plan to invest, expand, or doing any other thing with your business, then you can go for business loans. In these kinds of loans, you can get money for your business at a low-interest rate. You can’t spend the money other than spending on your business.

So, if you need any loan, then you can visit On visiting here, you can get the whole idea about these things in a detailed manner.

Why take a loan from here?

It is the next important question that is asked by many customers. If you are visiting the to avail the loans, then you will get the following benefits from here.

  • The loan process is safe and secure.
  • They take a few hours to process the loan application.
  • They credit the loan amount in your account within a day after approval.
  • Gives your assistance at every step, even during the repayment time.
  • Follows the laws set for moneylenders.

These are the top things that you can get from here when you are availing of the loans. So, to make things look good, you can go for the Crawfort and get the loans that you want for yourself or different things.

Wrapping up

With all these things, it shows how good it is to get the loan from the licensed one.

These things ensure that you get the best loan at the minimum interest rate and the best time period to repay the amount.

So, if you need a loan or need financial assistance in any form, do get in touch with the Crawfort. It is a licensed agency and can help you in all ways financially.

3 types of tax saving investments that help diversify your portfolio

A smart investor is one who diversifies his risk by diversifying his portfolio. In the case of portfolio diversification, an investor invests in different entities to reduce the various types of risks associated with an investing capital.

An investor should always go for totally opposite types of funds. Hedging your funds in different sectors safeguards your over-all portfolio returns. It is because if you invest your money in different stocks, there are chances that even if the price of the stock in the market rises or falls, the portfolio as a whole will not give you a negative return.

As an investor, you should not only be concerned about your return on investment but also take advantage of those schemes by diversifying your capital in various tax saving investments. Always remeber: gaining without saving is not a smart way to invest. If you need more information regarding tax saving investments, you can visit

Three tax saving investment variants to diversify your investment portfolio

The following are the three types of tax saving investments you can explore:

ULIP (Unit Linked Insurance Plan)

ULIP is a combination of both insurance and investment domains, therefore, termed as a hybrid product. When an investor pays a premium, part of it remains invested in both equity or debt security as per the investor’s choice and the remaining portion is secured to provide insurance coverage. The best feature of ULIP is that an investor can choose the proportion of funds to make the investment in a combination of equity and debt. Moreover, an investor can change this proportion any time till the maturity.

The maximum duration of ULIP can be fifteen to twenty years. But an investor can withdraw his fund after five years without paying tax. Under Section 80C, deduction switching between the funds or return on maturity is also tax-free. If an investor wants to meet long term goals, ULIP can be a wise option.

Equity-Linked Savings Schemes (ELSS)

ELSS is diversified equity provided by mutual funds in India. Investment up to Rs. 1.5 lakh is exempted from tax under Section 80C, and the surplus money is kept invested with a lock-in period of 3 years due to which it is known as a closed-ended product. After the completion of 3 years, it becomes an open-ended product, which gives you the right to withdraw.

The return on ELSS is dependent on the performance of equity shares due to which the return is not fixed. An investor can invest his money in the form of SIP (Systematic Investment Plan) or invest a lump sum money at a time. One can choose a dividend option for regular income. However, on dividend income, an investor needs to pay DDT (Dividend Distribution Tax). It is preferable to keep invested in ELSS at least for seven years.

Public Provident Fund

PPF is one of the popular types of tax saving investments which is a long term scheme with a minimum duration of 15 years, which you can extend by investing in the block of 5 years. The maximum amount you can deposit under this scheme in a year is Rs. 1.5 lakhs. It is better than any fixed deposit scheme as it offers inflation-adjusted returns. Rs. 500 is the minimum amount one needs to pay in a year to keep his PPF account active. The drawback of PPF a/c is that the investor can withdraw money after completion of the sixth year and partial withdrawal is permitted at the end of the fourth year. The PPF a/c will be closed on the maturity date or on the expiry of the account holder. The redemption amount, including earning on interest is tax-free under Section 80C.

These were some of the best tax saving investments that will provide you with a tax-free return. One can go through the features in detail and then, form an informed decision.

Essential things to know about Stock Market Course in Hyderabad

The job of trading is quite challenging but we can’t deny the fact that it is the way to earn easy money. The world of the stock market is attracting millions of people daily due to the huge profits it provides. The stock market is not all about profits always but includes a lot of risk factors as well. One can face a lot of losses it doesn’t handle the equations carefully. Before going further with the trading process, one must need to understand in deep what exactly trading is and what are its pros and cons.

Training is the utmost necessary to go further particularly with any domain. And letting that easy happening for you we are going to introduce you with one of the best stock market course in Hyderabad. If you are living in Hyderabad and are looking for a source that can help you in sharpening your trading skills, AS Chakravarthy NCFM Academy Hyderabad is surely the best option to choose in. The interesting students can easily contact the official premises at Flat No.415, 4th Floor, Annapurna Block, Aditya Enclave Near Maitrivanam Building, Ameerpet, Hyderabad, Telangana 500082 to know about the Stock Market Course in Hyderabad in detail.

What are the benefits of getting stock market training?

If you are interested in making easy money, the stock market is one of the best places to try your hand on. It is the way to have a wealthy future. But is that so easy to make in all? Surely not. One needs to have basic knowledge of stock marketing. If you don’t have this just check out a perfect Stock Market Course in Hyderabad at your locality and find out whether it is providing you training on programs like technical analysis in trading, trend analysis, pattern analysis of the price charts, oscillator analysis, money management, risk mitigation and much more. Here are some of the leading benefits of getting stock market training.

  • Stock marketing training enables a person to know in detail about the basic and complete techniques so that one could improve the profit margins.
  • It helps users in becoming a good trader about the various formats of investments.
  • It helps users in retrieving detailed knowledge about trends and patterns of the identified stock price movements.
  • One can now easily have deep knowledge about the various factors like money management and risk management techniques.
  • It makes it easier for traders to know about the things that can help them in reducing risk factors. Users can now easily add more and more profits to their user account.
  • It develops the feature of handling adverse conditions successfully in the traders. Moreover, it also offers you the flexibility of trading anywhere anytime you want as per your preferences.
  • One can now easily make different types of investments in different sectors of trading
  • Training in stock marketing is utmost required before starting up with investment is quite necessary as it helps one in reducing the risk factors and also improves the profit margins.

How close are the banks in implementation of XRP?

The trend of using crypto currencies has been on the rise since 2017. At that time, Bitcoin became a hot trend in the market. XRP is also another virtual currency based on Ripple platform introduced in the year 2012. People using it, are of the opinion that it is an alternative to SWIFT technology, which was used by banks for international money transfer. But XRP is much cheaper than SWIFT and the settlement time are fast and on the same day. The popularity of XRP is going up at such a faster rate that in 2019, it was the second most used crypto currency after Bitcoin in the world.

Now the question that is going the rounds is that are banks open to use XRP for their overseas settlement purpose. If anybody wants to make any payment in the emerging market, the process needs involvement of multiple traders of currency plus there has to be local currency accounts which are pre-funded. With the help of XRP, these payments can be done without the involvement of any intermediaries.

Initially many banks and money transfer companies were reluctant to accept XRP and Ripple platform. But now slowly, the picture is changing. At present around 4 banks have accepted XRP and around 70 to 75 money transfer companies are also widely using this technology for money transfer in the international market. Some of these include Moneygram, Cuallix, SBI Securities and IDT. There are many more in the list which include Euro Exim Bank, SendFriend, InstaRem and more. With their operations of only four years, market cap if XRP now stands at $1 B.

An unbiased Neuer capital review feels that the entire process is at an experimental level in many banks. Sources close to the banks have confirmed that technical department of different banks are carrying on the experiment for last few months. In most cases, the bank management is finding it quite satisfactory, but they are not certain when they will start implementing the process of XRP in their system. They are also of the opinion that the cost of transferring other assets through XRP is much cheaper and at the same time, faster than the SWIFT mode.

Another barrier in the implementation of XRP is that in many countries the banking regulations are not much favourable. Of late, European Union has passed some regulations on the use of crypto currency in banking system. Government is worried about the money laundering of the money transfer companies using XRP. Once those things are streamlined, the Governments may make the laws easier to pass and it will also be easy for the banks to implement XRP on a larger scale. During the last few years, the concept is changing and the crypto currencies are getting more accepted on a larger scale. Hence trading in crypto currencies is also increasing and the volume has increased by many times. With the fast changing scenario and the rising cost in banking, time is not far away when the XRP coin will be used in all major banks of the world.