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What is Vehicle Identification Number?

Every car has its own unique identity, much like a fingerprint. This identity is marked by a vehicle identification number, commonly called a VIN number. Whether you are buying a new car, verifying the details of a used one, or handling insurance claims, knowing how to locate and understand this number is essential. In this blog, we’ll explore what a VIN is, why it matters, how to decode it, and how it connects to ownership, resale, and financing. Key Takeaways The vehicle identification number (VIN) is a 17-character code unique to every car. It contains details such as the manufacturer, year of production, and model. VIN helps in ownership verification, resale, insurance, and loan processing. Always check the VIN when purchasing a used car loan financed vehicle or pre-owned car. Table of Contents What is a Vehicle Identification Number? Why is VIN Important? Where Can You Find the VIN Number on a Car? How to Decode a Vehicle Identification Number VIN in Insurance and Ownership Verification VIN and Buying a Used Car Common Issues with VIN Numbers Legal Rules Around VIN in India Final Thoughts FAQs What is a Vehicle Identification Number? A vehicle identification number is a unique 17-character alphanumeric code assigned to every motor vehicle. No two vehicles have the same VIN, making it an important tool for identification and tracking. It includes information such as: Manufacturer details Model year Engine type Assembly plant In short, a VIN is your car’s identity card Why is VIN Important? The vin number is used for several key purposes: Registration and Ownership: It confirms your car’s legal identity. Insurance: Insurers use VIN to track claims. Resale Value: Helps buyers verify authenticity. Theft Recovery: Authorities can trace stolen cars through VIN. For example, when considering a resale, buyers often prefer cars with a transparent record, similar to guides we provide for best resale value cars. Where Can You Find the VIN Number on a Car You can usually spot the vehicle identification number in the following places: On the dashboard (driver’s side, visible through the windshield). On the driver’s side door frame. In the car’s registration certificate (RC). On the engine block or chassis. When buying a pre-owned car, it is crucial to match the VIN on the car with the one in the documents. How to Decode a Vehicle Identification Number The vin number may look like a random set of characters, but every digit has meaning: First 3 Characters (WMI – World Manufacturer Identifier): Identify the manufacturer and country of origin. Characters 4–9 (VDS – Vehicle Descriptor Section): Indicate vehicle type, engine size, and body style. Characters 10–17 (VIS – Vehicle Identifier Section): Show the model year, plant code, and unique serial number. For example, a VIN starting with “MA” might indicate a Maruti Suzuki vehicle made in India VIN in Insurance and Ownership Verification Insurance companies rely on the vehicle identification number for issuing and validating policies. If you ever need to download insurance copy by vehicle number, the VIN acts as a key reference to ensure accuracy. During ownership transfers, RTOs also verify the VIN to prevent fraud. This protects both buyers and sellers during transactions. VIN and Buying a Used Car When buying a pre-owned car, checking the VIN is essential to confirm: The car’s true age and year of manufacture. Whether the car has been in any major accidents. That the RC and insurance match the actual vehicle. If you’re financing your car through a used car loan, lenders also check the VIN to ensure the vehicle is legally valid and free from disputes. For families or those considering practical vehicles, pairing VIN checks with research like our 7 seater cars in India guide can help in choosing the right option. Common Issues with VIN Numbers Sometimes, you may face problems such as: Illegible VIN: Rust or damage may make the VIN unreadable. Tampered VIN: Fraudsters may alter VINs on stolen cars. Mismatch: Documents and actual VIN not matching. Always double-check and ensure the VIN matches across all records Legal Rules Around VIN in India The Motor Vehicles Act mandates that every registered car in India must have a valid vehicle identification number. Tampering or altering the VIN is a punishable offense. During road safety checks or resale inspections, RTO authorities often cross-check the VIN to verify compliance. Final Thoughts The vin number is more than just a code—it’s the key to your car’s identity, history, and safety. Whether you’re applying for insurance, transferring ownership, or applying for a car loan, always ensure the VIN is correct and verified. For new buyers, especially those looking at pre-owned vehicles, the VIN check is as important as checking mileage, condition, or paperwork. A little diligence today can save you from costly legal or financial troubles tomorrow. FAQs 1) What is the full form of VIN? VIN stands for Vehicle Identification Number. 2) How many characters are in a VIN? A VIN has 17 alphanumeric characters. 3) Can two cars have the same VIN? No, each VIN is unique. 4) Where can I find the VIN on my car? It is usually located on the dashboard, door frame, RC book, or engine block. 5) Why is VIN important in buying a used car? It helps verify authenticity, prevents fraud, and ensures documents match. 6) Can I check accident history using VIN? Yes, in some cases, VIN can reveal accident or service records. 7) Is altering a VIN legal? No, tampering with VIN is illegal under Indian law. 8) Does VIN affect car loans? Yes, lenders use VIN to verify ownership before approving a loan.
25-09-2025
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Most Expensive Number Plate in India | Auction, Rules & Record Prices

In India, owning a car is not just about transportation—it’s also about identity, prestige, and status. For enthusiasts and high-profile buyers, securing the most expensive number plate in India has become a matter of pride. Some plates have been auctioned for lakhs or even crores, often costing more than the cars themselves. But what makes a number plate so valuable? In this blog, we’ll explore record-breaking plates, why certain numbers are in demand, how the bidding system works, and key rules around premium plates, including their link with ownership transfers and used car purchases. Key Takeaways The most expensive number plate in India has sold for more than the value of the vehicle itself. Special numbers like “0001,” “9999,” and repeating digits often drive up auction prices. Auctions are conducted by RTOs, and bidding is open to both individuals and businesses. Knowing how to apply for and maintain premium plates helps with resale and legal compliance. Table of Content 1. Why Number Plates Matter in India2. What Makes a Number Plate “Expensive”?3. Record-Breaking Plates in India4. How the Auction Process Works5. Rules for Premium and Fancy Plates6. Ownership Transfer & Used Cars7. Why Buyers Pay Crores for Numbers8. Final Thoughts9. FAQs Why Number Plates Matter in India A number plate is a vehicle’s legal identity, but for many buyers, it also carries personal or cultural meaning. The most expensive number plate in India usually reflects status, luck, or business identity. Numbers that are easy to remember or hold symbolic value are in high demand. Just like luxury cars, a fancy plate becomes a way to stand out on the road. What Makes a Number Plate “Expensive” Several factors push up the price: Unique Numbers: Plates like “0001” or “0007” (James Bond reference) are always in demand. Cultural Beliefs: Many people believe certain digits bring luck, prosperity, or protection. Brand Identity: Businesses often pay lakhs to secure plates that match their brand initials or favorite numbers. Exclusivity: Only one vehicle can own a particular number, making it rare and competitive. When these elements combine, it leads to some of the most expensive number plate in India sales at auctions. Record-Breaking Plates in India The trend of bidding high for number plates has grown rapidly. Some known examples include: The “0001” series in Delhi and Chandigarh often crosses several lakhs. Luxury car owners in states like Punjab, Haryana, and Maharashtra are known for paying crores for unique digits. In some cases, the most expensive number plate in India has been sold at an amount higher than the value of the car itself. This shows how much importance people attach to a simple combination of numbers. How the Auction Process Works Premium plates are not assigned randomly. The Regional Transport Offices (RTOs) conduct auctions where interested buyers register, pay a base fee, and start bidding. Online systems now allow easier participation. The process usually involves: Checking RTO notifications for available fancy numbers. Registering as a bidder and paying a refundable deposit. Participating in the online or physical auction. Paying the final amount if you win. Those who want the most expensive number plate in India often face tough competition from business owners, celebrities, and car collectors. Rules for Premium and Fancy Plates While you can pay for a premium plate, there are rules: You cannot use unofficial or self-styled plates. The size, font, and format must follow government norms. Transferring a premium plate requires permission from the RTO. A fancy plate can be retained by the same owner if they buy a new vehicle. Breaking these rules could lead to penalties, regardless of how much you spent on the number. Ownership Transfer & Used Cars What happens to the most expensive number plate in India when the car is sold? Typically, the plate belongs to the owner, not the car. The owner can apply to transfer the number to their new vehicle. This is why even buyers of pre-owned cars should carefully check whether the plate is included in the deal. If you’re buying a used car, focus first on correct paperwork—RC, insurance, and hypothecation status—before worrying about fancy numbers. For help, you can also read our guide on rto hypothecation removal process online, which is useful during loan closure or resale steps. Why Buyers Pay Crores for Numbers You might wonder why someone spends crores for the most expensive number plate in India. The reasons include: Social Status: Flaunting exclusivity on the road. Astrology/Feng Shui: Belief that certain numbers attract luck or wealth. Investment: Some consider it a rare asset that can be retained across vehicles. Passion: Car enthusiasts see it as part of their identity. For these buyers, a number plate is more than an accessory—it’s a statement. Final Thoughts Whether it’s for luck, luxury, or lifestyle, the craze for premium plates shows no signs of slowing down. While most of us may never bid for the most expensive number plate in India, knowing how auctions work and what rules apply can help you understand the culture behind them. And if you’re planning to buy a car—new or used—focus first on securing your finances. With a second hand car loan, you can easily manage your purchase and then think about fancy add-ons later. Start here: used car loan. FAQs 1) What is the most expensive number plate in India so far?The exact figures vary, but in some cases, plates have sold for more than ₹25–30 lakhs, exceeding the car’s value. 2) Can I keep my fancy plate if I sell my car?Yes. Owners can transfer their plate to another vehicle they own, subject to RTO rules. 3) How do I apply for a premium plate?Check your state RTO website for auction announcements, register as a bidder, and participate in the auction. 4) Are fancy plates legal in India?Yes, if issued by the RTO. However, self-designed fonts, stickers, or logos on plates are not allowed. 5) Can I buy the same fancy number as someone else in another state?Yes, since each state/UT issues its own registrations. The uniqueness applies within the RTO jurisdiction.
25-09-2025
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Self Driving Car

From science fiction to reality, the self-driving car is one of the most exciting innovations in the automobile industry. These cars are designed to operate without human intervention by using advanced sensors, artificial intelligence (AI), and machine learning. While the technology is still evolving, self-driving vehicles are already being tested across the globe and may transform how we think about transportation. In this blog, we’ll explore what a self-driving car is, how it works, its benefits, challenges, and what the future holds for Indian roads. Key Takeaway A self-driving car uses AI, cameras, and sensors to navigate without human control. Different levels of autonomy range from driver assistance to full automation. Benefits include reduced accidents, better traffic flow, and improved convenience. Challenges include high costs, regulatory hurdles, and road infrastructure. Used vehicle financing help buyers access smart technology more affordably in India. Table of Contents What is a Self-driving Car? How Does a Self-driving Car Work? Levels of Autonomy in Self-driving Cars Benefits of Self-driving Cars Challenges and Limitations of Self-driving Cars Self-driving Cars vs Automatic Cars Global Developments in Self-driving Cars Self-driving Cars in India – Reality or Dream? Cost and Financing Options Final Thoughts FAQs What is a Self-driving Car? A self-driving car is a vehicle capable of sensing its environment and moving safely without human intervention. Unlike conventional cars, it does not require manual steering, acceleration, or braking. Instead, it relies on AI systems, GPS, radar, and cameras to navigate. Companies like Tesla, Waymo, and Uber have already invested heavily in developing these vehicles. Although full autonomy is still a work in progress, many cars today offer partial self-driving features such as adaptive cruise control and lane-keeping assistance. How Does a Self-driving Car Work? The self-driving car combines multiple technologies: Sensors & Cameras – Detect nearby vehicles, pedestrians, and road signs. GPS & Maps – Provide real-time navigation and positioning. Artificial Intelligence (AI) – Makes driving decisions like when to change lanes or brake. Radar & Lidar – Measure distance and detect obstacles with precision. All these inputs are processed by an onboard computer, which controls the vehicle in real time. Levels of Autonomy in Self-driving Cars The Society of Automotive Engineers (SAE) has defined six levels of autonomy: Level 1 – Driver assistance (adaptive cruise control). Level 2 – Partial automation (automatic braking, steering support). Level 3 – Conditional automation (car drives in certain conditions, driver must take control when needed). Level 4 – High automation (car can drive itself in most situations). Level 5 – Full automation (no driver required). Currently, most available models fall between Level 2 and Level 3. Benefits of Self-driving Cars Some potential advantages of adopting the self-driving car include: Fewer accidents – Reduced human errors like rash driving or fatigue. Improved traffic flow – AI-driven vehicles can communicate and reduce congestion. Convenience – Passengers can relax, work, or enjoy entertainment while commuting. Accessibility – Elderly or disabled individuals can benefit greatly. Fuel efficiency – Smarter driving reduces unnecessary braking and idling. For buyers interested in budget-friendly alternatives, exploring best mileage diesel cars can also provide efficiency while waiting for self-driving technology to mature. Challenges and Limitations of Self-driving Cars Despite the hype, the self-driving car faces several hurdles: High cost – Advanced technology and sensors make these vehicles expensive. Legal issues – Liability in case of accidents is unclear. Infrastructure – Indian roads with poor markings and chaotic traffic make automation difficult. Public trust – Many people still feel safer controlling their own vehicle. Until these challenges are resolved, mass adoption will take time. Self-driving Cars vs Automatic Cars It’s important to note that an automatic car is not the same as a self-driving car. Automatic cars only automate gear shifting but still require driver input. Self-driving cars are designed to handle all aspects of driving. For Indian buyers today, affordable automatic models like Automated Manual Transmission (AMT) cars are a more practical option than waiting for fully autonomous vehicles. Global Developments in Self-driving Cars Globally, companies are testing self-driving fleets: Tesla – Offers autopilot features with over-the-air updates. Waymo (Google’s subsidiary) – Runs self-driving taxis in parts of the USA. Uber – Conducted trials of autonomous ride-sharing cars. Ford & GM – Investing billions in autonomous research. These developments indicate that the self-driving car revolution is already underway, though large-scale adoption will take years. Self-driving Cars in India – Reality or Dream? In India, fully autonomous vehicles are still far from reality due to: Poor road infrastructure. Mixed traffic (cars, bikes, cycles, pedestrians, animals). Lack of clear legal framework. However, India is witnessing increased automation in the form of advanced driver assistance systems (ADAS) in premium cars. Over time, self-driving features may gradually become common in mid-range vehicles as well. Cost and Financing Options The price of a self-driving car is significantly higher than regular vehicles because of sensors and AI integration. For Indian buyers, purchasing such advanced cars may not be feasible immediately. However, a used car loan can help buyers afford modern cars with semi-autonomous features like lane assistance, adaptive cruise control, and emergency braking. Financing options make it possible to access advanced technology without heavy upfront costs. Final Thoughts The self-driving car represents the future of transportation, promising safer roads, better efficiency, and improved convenience. While India may take longer to adopt fully autonomous cars, small steps are already being taken with driver-assistance features. For now, automatic and semi-automatic vehicles remain the most practical choice for Indian consumers. Whether you buy new or pre-owned, exploring financing options such as a car loan or used car loan ensures affordability. FAQs Q1. What is a self-driving car?A car that uses AI, sensors, and cameras to drive without human control. Q2. Are self-driving cars available in India?No fully autonomous models yet, but some premium cars offer partial automation. Q3. What are the benefits of a self-driving car?Reduced accidents, traffic management, convenience, and accessibility. Q4. What is the difference between a self-driving car and an automatic car?Automatic cars require driver input, while self-driving cars can operate independently. Q5. Will self-driving cars be affordable in India?Not in the near future, but financing options like used car loans can make modern semi-autonomous vehicles accessible.
25-09-2025
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RTO Hypothecation Removal Process Online

When you purchase a car through a loan, the lender places a lien on the vehicle until the loan is repaid. This lien is called hypothecation. Once you repay the loan fully, the bank issues a No Objection Certificate (NOC), allowing you to initiate the RTO hypothecation removal process online. Completing this step is crucial because unless you apply for hypothecation termination, the car continues to remain under the lender’s ownership record. In this guide, we’ll walk you through the hypothecation removal online process, the documents required, timelines, and why it’s important for your car’s resale and future use. Key Takeaways Understand what hypothecation means in vehicle financing. Step-by-step guide to complete RTO hypothecation removal process online. Documents needed for hypothecation termination. Importance of removing hypothecation after loan repayment. Common mistakes and tips for smooth online application. Table of Contents 1. What Is Hypothecation in Vehicle Loans?2. Why Is Hypothecation Termination Necessary?3. Documents Required for RTO Hypothecation Removal4. Step-by-Step Guide for RTO Hypothecation Removal Process Online5. How Long Does Hypothecation Removal Take?6. Charges for Hypothecation Termination7. Common Mistakes People Make During Hypothecation Removal Online8. Importance of Hypothecation Removal for Used Car Buyers9. Future Benefits of Hypothecation Removal10. Final Thoughts11. FAQs What Is Hypothecation in Vehicle Loans? When you purchase a vehicle using a car loan, the bank or lender is listed as the owner in the RC (Registration Certificate). This ensures that until you clear the loan, the lender has a claim on the car.This process is called hypothecation. Once the loan is repaid, the bank issues an NOC, which you must use to start the RTO hypothecation removal process online. Without hypothecation termination, the car legally remains tied to the lender. Why Is Hypothecation Termination Necessary? Hypothecation termination is essential for:• Legal ownership transfer: Without it, the vehicle cannot be sold to another buyer.• Loan-free resale value: Buyers prefer vehicles without hypothecation.• Insurance renewal: Many insurers require updated RC without hypothecation.• Peace of mind: Your car is legally and officially yours once the process is completed. If you’re planning to resell or even refinance through a second hand car loan, hypothecation removal is the first and most important step. Documents Required for RTO Hypothecation Removal Before starting the RTO hypothecation removal process online, keep these documents ready: No Objection Certificate (NOC) from the bank/financier. Form 35 (issued in duplicate by the lender). Original Registration Certificate (RC). Valid insurance certificate. Pollution Under Control (PUC) certificate. Copy of Aadhaar card and address proof. Uploading these documents correctly will speed up the hypothecation removal online process. Step-by-Step Guide for RTO Hypothecation Removal Process Online Here’s the exact process to follow: Visit Parivahan Website – Go to https://parivahan.gov.in. Login/Select RTO – Choose the state and RTO where your car is registered. Choose Service – Click on “Hypothecation Termination.” Enter Vehicle Details – Add your registration number and chassis number. Upload Documents – NOC, Form 35, RC, insurance, and PUC. Pay Fees Online – Hypothecation termination charges vary between Rs. 150 to Rs. 500. Submit Application – After payment, download the acknowledgement slip. RC Update – Once approved, you’ll receive a new RC without hypothecation. By completing the hypothecation removal online, you save time and avoid standing in long queues at the RTO. How Long Does Hypothecation Removal Take? Typically, the RTO hypothecation removal process online takes about 7–15 working days after submission, depending on your RTO. If documents are in order, the process is quick. However, delays can occur if there are errors in the NOC or missing forms. Charges for Hypothecation Termination The fee for hypothecation termination is relatively low, ranging from Rs. 150–500 depending on the state. This small cost ensures your RC is updated and gives you complete ownership rights. Common Mistakes People Make During Hypothecation Removal Online Uploading incomplete or unclear documents. Forgetting to carry the original RC for verification. Applying after the NOC validity period (usually 90 days). Not informing the insurance company about hypothecation removal. Avoiding these mistakes will help you complete the hypothecation removal online smoothly. Importance of Hypothecation Removal for Used Car Buyers If you’re buying a second-hand car, always ensure the seller has completed hypothecation termination. Otherwise, the car legally still belongs to the lender.For example, if you’re financing a purchase through a used car loan, verifying that hypothecation has been removed ensures you get a clean RC in your name without complications.This is also why checking car owner details before completing a transaction is critical. It gives you confidence that there are no pending loans or liabilities on the vehicle. Future Benefits of Hypothecation Removal Completing the RTO hypothecation removal process online has several long-term benefits:• Easier resale of your vehicle.• Higher market value compared to loan-linked cars.• Insurance premium adjustments based on updated RC.• Ability to refinance or transfer the vehicle without hurdles. Final Thoughts Hypothecation removal is the last but most crucial step after repaying your car loan. Thanks to digital platforms like Parivahan, the RTO hypothecation removal process online is quick, simple, and accessible to all.Whether you want to sell your car, renew insurance, or simply enjoy peace of mind, completing the hypothecation removal online ensures your vehicle is officially yours. For anyone considering buying or selling a car, always verify this step is completed to avoid legal or financial issues in the future. FAQs What is hypothecation termination? It is the removal of a lender’s lien on your vehicle once the car loan is repaid. Can I do RTO hypothecation removal online? Yes, using the Parivahan website, you can apply for hypothecation termination digitally. How much does hypothecation removal online cost? Between Rs. 150 to Rs. 500, depending on your state. What happens if I don’t remove hypothecation after loan repayment? The car will still be considered the bank’s asset, and you may face issues in resale or insurance claims. Can hypothecation removal be done without NOC? No, NOC from the lender is mandatory for the process. How long does it take to get RC updated after hypothecation termination? Usually 7–15 working days, depending on the RTO. Is hypothecation removal mandatory before selling a car? Yes, it is legally required for transferring ownership to the new buyer.
25-09-2025
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Guide

PMAY Urban 2025: Are You Eligible for the Credit-Linked Subsidy Scheme (CLSS)?

Buying your first home is one of the biggest decisions that you can make in your life. Nowadays, there are so many schemes and offers that you hear of, that it is only natural that you wonder which one may suit you. PMAY CLSS has a lot of traction, and if it has you thinking whether it is real or if you can actually get a government subsidy for a home loan, you are at the right place. Pradhan Mantri Awas Yojana CLSS benefits people like you. Read on to learn more about eligibility, how it works, and how to apply safely through authorized channels. Key Takeaways Understand the PMAY CLSS eligibility criteria for 2025 Learn how to verify and choose authentic lenders to qualify for PMAY CLSS. Know the subsidy amounts and the legal application process Tips on how to protect yourself while applying for government housing schemes Table of Contents Is PMAY Urban CLSS Actually Real? How can you verify your PMAY Urban CLSS eligibility safely? PMAY-U CLSS Home Loan Subsidy Scheme Eligibility Criteria How to Verify Authorized Lenders? Getting Help from Trusted Sources Final Thoughts Frequently Asked Questions Is PMAY Urban CLSS Actually Real? The Pradhan Mantri Awas Yojana Urban Credit-Linked Subsidy Scheme (PMAY-U CLSS) is an authentic initiative from the government of India and was launched in 2015. It is NOT a scam or a gimmick used to trick people. Here’s how you can verify it on your own: Visit the official government website at www.pmaymis.gov.in Check the official portals of the Ministry of Housing and Urban Affairs Browse through the housing department website of your state Verify the PMAY section on your bank’s official website or app. Since its launch, more than 12 lakh families have benefitted from the PMAY CLSS. The subsidy is paid directly by the central government to the lender, and it is a very transparent process. How can you verify your PMAY Urban CLSS eligibility safely? Before sharing personal information, verify your PMAY CLSS eligibility for 2025 only through official channels. Initially, use the Citizen Assessment tool on the PMAY official website, enter basic details like name and mobile number to check your eligibility. Here’s the verified eligibility criteria: Annual household income needs to be between 6 and 18 lakhs You need to be a first-time homebuyer, which means that no one in your family should own any other pucca house Should be an Indian citizen with a valid Aadhaar ID card The property chosen should be within the prescribed carpet area limits PMAY-U CLSS Home Loan Subsidy Scheme Eligibility Criteria Parameter EWS/LIG MIG-I MIG-II Income Range Economically Weaker Section (EWS) & Low Income Group (LIG)Less than Rs. 6,00,000 per annum Middle Income Group - IRs. 6,00,001 to Rs. 12,00,000 per annum Middle Income Group - IIRs. 12,00,001 to Rs. 18,00,000 per annum Interest Subsidy Rate 6.50% 4% 3% Maximum Subsidized Loan Amount Rs. 6 lakhs Rs. 9 lakhs Rs. 12 lakhs Subsidy Tenure 20 years or loan tenure (whichever is lower) 20 years or actual tenure (whichever is lesser) 20 years or actual tenure (whichever is lesser) Maximum Carpet Area EWS: 30 sq. metresLIG: 60 sq. metres 160 sq. metres 200 sq. metres Eligible Activities New construction and addition of rooms, kitchen, toilet, etc., to existing dwellings as incremental housing Acquisition/construction of house (including re-purchase) Acquisition/construction of house (including re-purchase) Net Present Value (NPV) Calculation Not specified 9% NPV 9% NPV How to Verify Authorized Lenders? Check the list of lenders published on the PMAY-U government website Visit your bank’s main branch to confirm, don’t do it through agents Ask your lender to share a copy of the PMAY empanelment certificate Use the RBI database to verify the lender’s details Getting Help from Trusted Sources In case you need any assistance, reach out only to verified sources as below: PMAY Helpline: 011-23063285, 011-23060484 Visit the PMAY desk at your bank’s branch (no agents) Customer care at your State’s Housing Department Any Common Service Centers (CSCs) in your area or nearby Stay away from any random agents or online consultants who contact you. Final Thoughts The PMAY-U Credit-Linked Subsidy Scheme is a genuine government initiative that has helped many families live in their dream homes. It is better to verify the information from official channels only. To kick start the process, go through authorized lenders and do not pay any fees. Take the required extra precautions to get an affordable housing subsidy safely. Frequently Asked Questions Q1. Is PMAY-U CLSS 2025 a real government scheme? PMAY-U CLSS is a legitimate scheme run by the Ministry of Housing and Urban Affairs that started in 2015. Q2. How can I verify my PMAY-U eligibility? You can check eligibility using the official government website and the Citizen Assessment tool, and you do not need to pay to do so. Q3. What is the maximum subsidy I can get under PMAY-U CLSS? The maximum subsidy is determined based on your income category. The maximum you can get is Rs. 2.35 lakhs under Middle Income Group - I (MIG-I). Q4. Are there any upfront fees for the PMAY-U application? There are no advance payments when you apply for PMAY-U CLSS. Q5. Are all home loan lenders authorized for PMAY? No. Not all home loan lenders are authorized to use PMAY. Check the official PMAY website list to know if your lender is licensed. Q6. How long does the PMAY-U CLSS process take? The PMAY-U CLSS process may take 2-6 months after loan disbursement. The time taken will depend on the accuracy of the documentation and verification processing, so ensure you submit all the necessary documents to speed up the process.
23-09-2025
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Guide

Pre-EMI vs Full EMI: Smart Guide for Under-Construction Home Loans

Found your dream apartment in an upcoming project? Does it have a great location and best-in-class amenities? Is it reasonably priced but still under construction? Don’t worry, that’s where a home loan with Pre-EMI can help. With Pre-EMI, you can book your under-construction home today and manage payments smartly, without straining your monthly budget. Let’s break down what Pre-EMI is and how it can make owning your dream apartment easier than you think. Key Takeaways Understand pre-EMI vs. full-EMI Learn how online home loan approval works for properties under construction Discover how video KYC helps speed up home loan processes Tips to manage your finances during the construction period Table of Contents Why Under-Construction Properties Are Popular (And Complicated) What Happens When You Finance an Incomplete Home Pre-EMI Explained: Paying Interest Only Full EMI: When Does It Kick In? Smart Tips for Managing Construction-Linked Payments Final Thoughts Frequently Asked Questions Why Under-Construction Properties Are Popular (And Complicated) Under construction properties come with many benefits, like the best prices, the latest designs, a choice of floor or view, and flexible payment schedules. These are the right fit for young professionals and first-time home buyers, as they are affordable yet give you a luxurious feel. But there is a downside: You're buying something that does not exist yet. This is why financial institutions will scrutinize any home loan given to an under-construction property. They may check the construction timelines and make payments based on the progress. This is where the pre-EMI structure lends a helping hand. What Happens When You Finance an Incomplete Home When you take a home loan for an under-construction property, most lenders do not pay the builder the entire loan amount that has been approved at a time. They follow the construction-linked payment plan, which means money is disbursed based on the stages in which the construction progresses. Example: Let us assume that you booked an apartment in a newly launched project and paid 5% as a booking amount. Disbursal 1: 20% on Foundation completion Disbursal 2: 20% on Floor 2 completion Disbursal 3: 20% on Floor 4 completion Disbursal 4: 20% on Floor 6 completion Disbursal 5: 10% on Acquiring the Occupancy certificate Disbursal 6: 5% on Final handover Since the disbursal happens in installments, your EMI structure is also different. Pre-EMI Explained: Paying Interest Only When you pay the pre-EMI, you pay only the interest on the amount disbursed so far, not the principal. Example: If your home loan is Rs. 50 lakhs at 8.5% interest, and the lenders initially disburses 20%, your loan is only Rs. 10 lakhs. Your pre-EMI can be approximately Rs. 7,083 per month if your loan disbursal increases to Rs. 20 lakhs, your pre-EMI increases. Why lenders offer pre-EMI: As the property isn't complete, the lenders do not yet have a full collateral value. The pre-EMI structure reduces the applicant's burden during the waiting period. Full EMI: When Does It Kick In The full EMI starts only after the project is 100% complete and the lender disburses the approved loan amount. Once the full EMI kicks in, you pay both the principal and the interest on the entire loan amount. The pre-EMI you paid during the construction period will be adjusted against the principal. Example: For a Rs. 50 lakh loan at 8% interest for 20 years, the full EMI will be approximately Rs. 43,391. Smart Tips for Managing Construction-Linked Payments Pre-EMI amounts keep increasing with the disbursal of every loan amount. Be prepared for the highest possible pre-EMI from the day you start making your payments. Track the builder's construction progress and note when the disbursement occurs. Construction delays translate to more pre-EMIs. Carefully choose between pre-EMI and EMI options. Some lenders offer to collect the entire EMI amount - the excess amount goes towards principal repayment. Maintain an emergency fund of 6-12 months of EMI as backup for construction delays. Read the penalty clauses for construction delays and project stalls and how they will impact your pre-EMI calculation. Final Thoughts By understanding the difference between pre-EMI and Full EMI, you can make informed financial decisions regarding an under-construction property home loan. The pre-EMI period is temporary, but your decision to go for it may make you smile or frown at a later stage. Plan well, track closely, and stay in control of your finances to make the dream of owning a home become a reality. Frequently Asked Questions Q1. What is the difference between pre-EMI and full EMI? Pre-EMI pays only the interest on the loan disbursed during the construction period. Full-EMI starts after completion and includes both principal and interest components. Q2. How long does the pre-EMI period last? The pre-EMI period can last between 2 and 4 years, depending on the construction times. Any delays can extend this period. Q3. Is it a waste to pay pre-EMI? When the full EMI starts, the total pre-EMI will be adjusted towards the principal balance of your home loan. So, paying your pre-EMI is not a waste. Q4. What happens to pre-EMI if the construction gets delayed? If there is a delay in construction, you will continue to pay the pre-EMIs till it is complete. Q5. Can I prepay during the pre-EMI period? Most lenders allow pre-payment, as it can reduce your principal amount, too. Check with your lender. Q6. How do I track my home loan disbursements? Most lenders have a digital app or online portal through which you can monitor the disbursals and the prevailing interest rates for the home loan.
23-09-2025
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Home Loans for the Self-Employed: How to Ace Your Application in 2025

Being self-employed should not mean that your dream of owning a house cannot become a reality. You may run a small business, do some freelance work, or even work as a consultant. Still, getting a home loan for the self-employed is totally possible in 2025. Although the process may seem more complicated compared to that of a salaried employee, with the right documentation, you can confidently apply and obtain approval for a home loan. This article will guide you through what lenders are looking for, the documents you need, and how to present your application strongly so that you get approved on your first try. Key Takeaways ● Learn how to apply for home loans for the self-employed ● Understand how business owners' home loan eligibility is different from regular applications ● Prepare your application in such a way that you get the home loan approval the first time Table of Contents What Lenders Need To Approve Self-Employed Home Loans Essential Documents for Self-Employed Home Loan Business Owner Home Loan Eligibility Criteria How to Strengthen Your Application Common Mistakes to Avoid Final Thoughts Frequently Asked Questions What Lenders Need To Approve Self-Employed Home Loans Let’s be honest. When you’re self-employed, proving your income is not as easy as showing a salary slip. Your earnings may vary month on month - there may be some great months and there may also be some lean periods. Lenders understand this and that is why they need more documentation to prove that you can repay the home loan. Before we get into the documentation requirements, let’s understand what goes through the lending bank’s mind when they review an application of home loan application for the self-employed: ● Will you be able to consistently pay your EMI for 15-20 years? ● Is your business or freelance job giving you enough profit? ● How sustainable is your business, and what is its growth potential? ● Are you managing money responsibly? Once you know the answers to these questions, you can proactively address them in your application. Essential Documents for Self-Employed Home Loan Here’s the checklist of the documents for a self-employed home loan application: Personal Documents ● Aadhaar Card or PAN Card Copy, along with the original for verification ● Recent passport-size photographs ● Proof of residence, like utility bills, rental agreement, etc. Business Documents ● Registration certificate for the business, like a partnership deed, trade licence, etc. ● GST registration certificate ● Professional qualification certificates of consultants, CAs, etc. ● Proof of office address, like utility bills or a rental agreement Financial Documents ● Bank statements for the last 1 to 2 years (personal & business) ● ITR for the last 2-3 years ● Form 16A, if applicable ● Profit & Loss statements audited by a CA ● Balance sheet for 2-3 years ● CA certificate stating your income on a monthly or annual basis Property Documents ● Sale agreement ● Property papers and title documents ● Approved building plan ● NOC from society or the builder Business Owner Home Loan Eligibility Criteria The eligibility criteria may differ from one lender to another. Still, here are some of the generic requirements for business owner home loan eligibility criteria: Personal Details: ● Age should be between 23 and 65 years ● Professional experience should be a minimum of 3-5 years in the same field as the business ● Minimum annual income needs to be Rs 2-3 lakhs, & this varies according to the city ● CIBIL score of more than 650. An ideal CIBIL score of more than 750. ● A Clean credit history, definitely no defaults ● Consistent replaying of existing loans, if any ● A debt-income ratio of less than 40% ● A Fixed Obligation to Income Ratio (FOIR) of less than 55% Business Details: ● Business needs to be in operation for 2-3 years ● Consistent profits for a minimum period of 2 years ● Stable and growing income trend How to Strengthen Your Application ● Show a growing income: While submitting your ITR, add a note explaining any fluctuations in income and also highlight overall growth. In case you had a rough year, explain how you overcame it. ● Maintain separate business account: Keep your personal and business accounts separate, as it shows financial discipline and is easy for lenders to assess your business income or profits. ● Audited financial statements: When a CA audits your statements, it adds credibility to your application and shows that you professionally run your business. ● Higher down payment: When you offer to pay more than the minimum 20% of property value, the lender’s risk is less, and they may even offer better interest rates. ● Add a co-applicant: When a salaried person is a co-applicant, maybe a spouse, parent, or business partner, the lenders may feel more confident in approving your application. ● Choose the bank carefully: Applying with banks that hold your business accounts can make the process smoother as they already know the financials of the business. Common Mistakes to Avoid In the last section, we saw what you can do to get your loan approved. Here’s what you should not do: ● Don’t show too many cash transactions. Use digital methods to collect and spend money. ● Never miss an ITR filing deadline, as it can impact your credibility ● Avoid adding personal expenses or income into your business account ● Stay away from understating income, as it may save taxes but hurt your loan eligibility ● Apply only to selective loans, as every rejection may hurt your credit score. Final Thoughts Getting a home loan for self-employed individuals needs more preparation than that for a salaried employee, but you can easily get it approved. When you present yourself as a successful, stable business owner who is self-employed, the banks will have no reason to reject your application. Ensure all your documentation is in place and make them see you as a safe bet. Frequently Asked Questions Q1. What is the minimum number of years a business should be operational to apply for a home loan? Most lenders require your business to be operational for a minimum of 2 to 3 years with consistent profits. Q2. Can I get a home loan without an ITR as a self-employed person? ITR is the main proof of income for a self-employed person. Though some lenders may accept bank statements along with CA certificates, there is no guarantee that the home loan will be approved. Q3. Is the interest rate higher for home loans applied for by self-employed persons? Interest rates are determined based on many factors. If a self-employed person is eligible for the home loan and has proper documentation, the interest rate can be the same as a home loan applied for by a salaried employee. Q4. How much home loan can I get as a self-employed person? Just like a home loan for a salaried person, about 60 to 80 percent of the property value can be approved as a home loan. It will depend on the income, credit score, and the lender’s policies. Q5. Can freelancers get home loans? Freelancers can also get home loans if they can show consistent income through ITRs, bank statements, and client contracts. Q6. Do I need a guarantor for a self-employed home loan? It is not essential to have a guarantor, but having a co-applicant or guarantor can strengthen your application in cases of irregular income.
15-09-2025
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Norway Trip Cost from India – A Complete Budget Guide

Norway, often called the Land of the Midnight Sun, is famous for its breathtaking fjords, snow-capped mountains, northern lights, and scenic train journeys. It is one of the most picturesque countries in Europe and a dream destination for many Indian travellers. If you are planning a holiday, knowing the Norway trip cost from India will help you set the right budget. India to Norway Flight Ticket Price Flights make up a large portion of the total cost. Round-trip airfare from India to Norway (Delhi or Mumbai to Oslo): ₹50,000 to ₹80,000 per person Premium airlines may cost ₹90,000 to ₹1,20,000 during peak tourist seasons Advance booking at least 3 months before travel can save a significant amount Accommodation Costs in Norway Norway is known to be an expensive country, but you can find options for every budget. Budget hostels and guesthouses: ₹2,500 to ₹4,000 per night Mid-range hotels: ₹7,000 to ₹12,000 per night Luxury hotels and resorts: ₹15,000 to ₹25,000 per night Cities like Oslo and Bergen are more expensive compared to smaller towns. Food and Dining Expenses Dining in Norway can be pricey, but there are ways to balance your budget. Street food and fast food: ₹800 to ₹1,200 per meal Mid-range restaurants: ₹2,000 to ₹3,500 per person Fine dining: ₹5,000+ per person Travelers often choose grocery shopping and cooking in hostels or Airbnbs to reduce costs. Local Transport Costs Norway is famous for its efficient and scenic transport system. Metro, trams, and buses: ₹300 to ₹500 per ride City travel passes: ₹1,000 to ₹1,500 per day Train journeys like Oslo to Bergen: ₹4,000 to ₹6,000 per person Car rentals: ₹5,000 to ₹8,000 per day (excluding fuel) Sightseeing and Activities in Norway Norway is full of unique experiences that define the trip. Northern Lights tours in Tromsø: ₹8,000 to ₹15,000 per person Fjord cruises: ₹5,000 to ₹8,000 per person Museums and cultural sites: ₹800 to ₹1,500 per entry Hiking trails and natural attractions: mostly free Norway Trip Cost for Couples and Families For a 7 to 10 day trip, here is an estimated cost: Budget trip: ₹1.5 lakh to ₹1.8 lakh per person Mid-range trip: ₹2.2 lakh to ₹2.8 lakh per person Luxury trip: ₹3 lakh+ per person This includes flights, accommodation, food, local transport, and sightseeing. Can a Travel Loan Help? Norway is undoubtedly one of the costlier destinations in Europe, but its natural beauty makes it worth every rupee spent. If managing the expenses feels challenging, a travel loan can ease the burden. It allows you to cover costs like flights, hotels, and tours while repaying gradually in EMIs. Final Thoughts A Norway trip costs from India, widely based on your travel style, from ₹1.5 lakh for budget travellers to ₹3 lakh+ for luxury seekers. With smart planning, advance bookings, and the option of a travel loan, you can make your dream of exploring fjords and northern lights a reality.
09-09-2025
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Nainital Trip Cost in 2025 – A Complete Travel Budget Guide

Nainital, the charming hill station in Uttarakhand, is known for its emerald lakes, scenic hills, colonial architecture, and bustling Mall Road. It is one of the most popular weekend getaways in North India and attracts tourists year-round. If you are planning a holiday here, understanding the Nainital trip cost will help you budget your journey more effectively. Travel Cost to Nainital By Flight The nearest airport is Pantnagar Airport, around 70 km away. Delhi to Pantnagar flights: ₹3,000 to ₹6,000 (round trip) From Pantnagar, taxis to Nainital cost ₹1,500 to ₹2,500 By Train Kathgodam Railway Station, about 35 km from Nainital, is the nearest railhead. Train fare from Delhi: ₹400 to ₹1,200 depending on the class Taxi from Kathgodam to Nainital: ₹1,000 to ₹1,800 By Road Nainital is well connected by road. Delhi to Nainital is about 300 km. Volvo/AC bus fare: ₹600 to ₹1,200 Shared taxis from nearby towns: ₹300 to ₹500 per person Accommodation Costs in Nainital Nainital offers a wide variety of stays, from budget lodges to luxury resorts. Budget hotels and guesthouses: ₹1,200 to ₹2,000 per night Mid-range hotels: ₹3,000 to ₹6,000 per night Luxury resorts: ₹8,000 to ₹15,000+ per night Booking in advance, especially during summer and festive seasons, ensures better deals. Food and Dining Expenses Nainital’s cuisine offers a mix of local Kumaoni food and multi-cuisine restaurants. Street food and dhabas: ₹200 to ₹400 per meal Mid-range cafes and restaurants: ₹600 to ₹1,200 per person Fine dining and hotel meals: ₹1,500 to ₹2,500+ per person A daily food budget of ₹800 to ₹1,500 per person is sufficient. Sightseeing and Local Transport Costs Local taxis for sightseeing: ₹2,000 to ₹3,500 per day Boat ride at Naini Lake: ₹200 to ₹500 per person Cable car to Snow Viewpoint: ₹300 to ₹500 per person Zoo entry fee: ₹50 to ₹100 per person Popular Attractions in Nainital Naini Lake Naina Devi Temple Snow Viewpoint Tiffin Top Eco Cave Gardens Mall Road shopping Nainital Trip Cost for Couples and Families For a 3-day trip, here’s an estimated budget: Budget trip: ₹12,000 to ₹18,000 for two people Mid-range trip: ₹25,000 to ₹35,000 for two people Luxury trip: ₹50,000+ for two people This includes travel, stay, food, sightseeing, and local transport. Can a Travel Loan Help? Planning a holiday with family can sometimes stretch your budget. In such cases, a travel loan can be useful to cover expenses like flights, hotel stays, and sightseeing without financial stress. With manageable EMIs, you can enjoy your trip now and pay later at your convenience. Final Thoughts Nainital is a perfect mix of natural beauty, adventure, and relaxation. On average, the Nainital trip cost ranges from ₹6,000 per person (budget) to ₹25,000+ (luxury) for a 3-day trip. Smart planning, early bookings, and flexible options like a travel loan can make your holiday memorable without overspending.
09-09-2025
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Mount Kailash Trip Cost – A Complete Travel Budget Guide

Mount Kailash, considered sacred in Hinduism, Buddhism, Jainism, and Bon faith, is one of the most spiritually significant destinations in the world. Located in the Tibet Autonomous Region of China, it is believed to be the abode of Lord Shiva and a powerful centre of cosmic energy. Every year, thousands of devotees and adventure seekers dream of undertaking the Mount Kailash Yatra. If you are planning this spiritual journey, here’s a detailed breakdown of the Mount Kailash trip cost from India. Travel Cost to Mount Kailash Since there are no direct routes from India to Mount Kailash, the journey usually happens through Nepal. India to Kathmandu flight tickets: ₹8,000 to ₹15,000 (round trip) Kathmandu to Lhasa flights or road journey: ₹25,000 to ₹40,000 depending on the route Overland trip via Nepalgunj and Hilsa: ₹1,00,000 to ₹1,30,000 (package cost including transport, permits, meals, and stay) Most travellers opt for package tours, as they include visas, permits, food, and accommodation, making the journey more manageable. Accommodation Costs Accommodation during the Mount Kailash Yatra is usually basic, as the region is remote and facilities are limited. Guesthouses and lodges in Nepal: ₹2,000 to ₹4,000 per night Tented stays and dharamshalas near Kailash: Included in packages (very basic facilities) Food Expenses Most packages include vegetarian meals during the trip. Independent food costs are minimal in remote regions but can range from ₹500 to ₹800 per meal in Nepal or Tibet towns. Permits and Visa Costs China group visa and Tibet travel permit: ₹10,000 to ₹15,000 per person (usually included in tour packages) Medical fitness certificates and travel insurance: ₹2,000 to ₹5,000 Sightseeing and Yatra Expenses The highlight of the trip is the Kailash Parikrama, a 3-day trek around Mount Kailash covering about 52 km. Package inclusions: Guide, yak/porter services, oxygen support if needed Additional porter or pony hire: ₹5,000 to ₹8,000 per person Mount Kailash Trip Cost for Indians For a 12–15 day trip, here’s the estimated cost: Budget trip (basic facilities, shared accommodation): ₹1.5 lakh to ₹1.8 lakh per person Standard package (better arrangements, group tours): ₹2 lakh to ₹2.5 lakh per person Premium packages (chartered flights, comfortable stays, private support): ₹3 lakh+ per person Can a Travel Loan Help? The Mount Kailash Yatra is not just a trip, it is a once-in-a-lifetime spiritual journey. However, the expenses can be heavy. If budgeting feels difficult, a travel loan can help you manage costs like airfare, packages, and permits, while allowing you to repay in convenient EMIs. This way, financial stress won’t come between you and your spiritual calling. Final Thoughts The Mount Kailash trip cost may feel higher compared to other pilgrimages, but the experience is beyond priceless for devotees. On average, expect to spend between ₹1.5 lakh and ₹2.5 lakh per person. With proper planning and support options like a travel loan, you can make this sacred journey smoother and more affordable.
09-09-2025
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Germany Trip Cost from India – A Complete Travel Budget Guide

Germany, located in the heart of Europe, is famous for its fairytale castles, medieval towns, world-class museums, and vibrant cities like Berlin, Munich, and Frankfurt. Whether you want to explore the Bavarian Alps, cruise along the Rhine, or soak in the cultural vibe of Berlin, a trip to Germany is on many travellers’ bucket lists. If you are planning your holiday, here’s a detailed breakdown of the Germany trip cost from India. India to Germany Flight Ticket Price Flights are one of the biggest expenses in your Germany trip budget. Round-trip airfare from India to Germany (Delhi/Mumbai to Frankfurt/Berlin): ₹45,000 to ₹70,000 per person Premium airlines may charge ₹80,000 to ₹1,00,000 depending on season Booking 2 to 3 months in advance helps save significantly Major airlines like Lufthansa, Air India, Emirates, and Qatar Airways offer frequent connections. Accommodation Costs in Germany Germany offers a wide range of stay options, from budget hostels to luxury hotels. Budget hostels and guesthouses: ₹2,000 to ₹4,000 per night Mid-range hotels: ₹6,000 to ₹10,000 per night Luxury hotels: ₹12,000 to ₹20,000+ per night Popular cities like Munich and Berlin may cost more than smaller towns. Airbnb is also a great option for families and groups. Food and Dining Expenses German cuisine is hearty and diverse, featuring sausages, pretzels, schnitzels, and beer. Street food/snacks: ₹500 to ₹800 per meal Mid-range restaurants: ₹1,500 to ₹2,500 per person Fine dining: ₹4,000+ per person A daily food budget of ₹2,000 to ₹3,500 per person is sufficient. Local Transport Costs Germany is well known for its efficient and punctual public transport. Local metro/tram/bus tickets: ₹250 to ₹400 per ride Day passes for public transport: ₹800 to ₹1,200 Intercity train (Berlin to Munich): ₹4,000 to ₹7,000 per person Car rentals: ₹4,000 to ₹6,000 per day (excluding fuel) Buying a Eurail pass, or German Rail Pass can help if you plan multiple intercity trips. Sightseeing and Activities Germany offers both free and ticketed attractions. Museum entries: ₹800 to ₹1,500 per person Neuschwanstein Castle entry: ₹1,500 to ₹2,000 per person Rhine River cruise: ₹2,000 to ₹3,500 per person Oktoberfest expenses (Munich): ₹3,000 to ₹6,000 per person (food and drinks) Walking tours and city passes: ₹1,000 to ₹2,000 per person Germany Trip Cost for Couples and Families Here’s a rough budget for a 7-day trip: Budget trip: ₹1,20,000 to ₹1,50,000 per person Mid-range trip: ₹1,80,000 to ₹2,20,000 per person Luxury trip: ₹2,50,000+ per person This includes flights, accommodation, food, transport, and sightseeing. Germany Visa Fees for Indians Germany Schengen Visa: Around ₹7,000 per person Travel insurance (mandatory): ₹1,000 to ₹1,500 Final Thoughts Germany is a beautiful mix of history, culture, and modern attractions. The Germany trip cost from India depends on your travel style, ranging from ₹1.2 lakh for budget travellers to ₹2.5 lakh or more for a luxury holiday. With careful planning, early bookings and with the help of travel loan you can enjoy an unforgettable European adventure.
09-09-2025
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Vehicle Transfer Form - Need, Types, Documents, How to

When you sell or buy a vehicle in India, transferring ownership officially is mandatory. This process requires filling out specific documents such as the vehicle transfer form. Known as Form 27 or vehicle ownership transfer form, this document ensures the legal shift of ownership from seller to buyer at the Regional Transport Office (RTO). Without completing this process, the previous owner may still be held liable for traffic violations, accidents, or insurance claims. In this blog, we’ll cover everything about the vehicle transfer form, including when it’s required, how to fill it, supporting documents, and the online process for a smooth transfer. Key Takeaways The vehicle transfer form (Form 27) is essential for legally transferring car ownership. Mandatory when selling, buying, or inheriting a vehicle. Can be completed both online and offline through the RTO. Requires supporting documents such as RC, insurance, PUC, and address proof. Essential for anyone applying for a used car loan to buy a second-hand car. Table of Contents What Is a Vehicle Transfer Form? When Do You Need a Vehicle Ownership Transfer Form? Types of Vehicle Transfer Forms (Form 27, Form 28, Form 29, Form 30) Documents Required for Vehicle Transfer Step-by-Step Guide to Filling a Vehicle Transfer Form RTO Process for Vehicle Ownership Transfer How to Apply for Vehicle Transfer Form Online Charges for Vehicle Ownership Transfer Importance of Vehicle Transfer for Used Car Buyers Common Mistakes in Vehicle Transfer Process Final Thoughts FAQs What Is a Vehicle Transfer Form? A vehicle transfer form is the legal document required to shift ownership of a vehicle from the seller to the buyer. Known officially as Form 27, it is submitted to the RTO where the vehicle is registered. The vehicle ownership transfer form ensures that all liabilities, including accidents, challans, and insurance claims, are shifted to the new owner. Without it, the seller remains legally responsible even after handing over the vehicle. When Do You Need a Vehicle Ownership Transfer Form? The vehicle ownership transfer form is required in the following cases: Sale of vehicle – When a car is sold to another person. Purchase of used vehicle – For buyers applying for a used car loan, submission of Form 27 is mandatory. Death of owner – Ownership transfer to the legal heir. Relocation – Transfer of registration from one state to another. Types of Vehicle Transfer Forms (Form 27, Form 28, Form 29, Form 30) While the vehicle transfer form mainly refers to Form 27, there are other related forms you may need: Form 27 – Application for assignment of a new registration mark. Form 28 – No Objection Certificate (NOC) for transfer. Form 29 – Notice of transfer of ownership. Form 30 – Application for intimation and transfer of ownership. Together, these forms ensure the vehicle ownership transfer form process is complete and legally binding. Documents Required for Vehicle Transfer To complete the transfer, you’ll need: Original RC (Registration Certificate). Valid insurance certificate. PUC (Pollution Under Control) certificate. Aadhaar or other identity/address proof. Passport-size photographs. Duly filled vehicle transfer form (Form 27). These documents are submitted along with the fees at the RTO. Step-by-Step Guide to Filling a Vehicle Transfer Form Filling out Form 27 is simple if you follow these steps: Write the name and details of the transferor (seller) and transferee (buyer). Provide vehicle details like registration number, engine number, and chassis number. Fill in insurance details and validity. Attach address proof and photographs of the new owner. Signatures of both parties are required. Submit the form along with supporting documents at the RTO. This ensures the vehicle ownership transfer form is processed smoothly. RTO Process for Vehicle Ownership Transfer Once the vehicle transfer form and documents are submitted, the RTO will: Verify the application and documents. Issue an updated RC card with the new owner’s name. Inform the insurance company about the ownership change. The process typically takes 15–30 days, depending on the RTO. How to Apply for Vehicle Transfer Form Online The Government of India has made it easier with online applications through the Parivahan portal. Steps include: Visit https://parivahan.gov.in. Go to “Online Services” → “Vehicle Related Services.” Select your state and RTO. Choose “Transfer of Ownership” and fill the vehicle transfer form online. Upload documents (insurance, PUC, ID proof). Pay applicable fees. Download acknowledgement receipt. With vehicle ownership transfer form submission online, the process is quicker and hassle-free. Charges for Vehicle Ownership Transfer The charges for vehicle transfer form processing vary by state but usually fall between Rs. 150–500. Additional charges may apply for smart card RC issuance. Importance of Vehicle Transfer for Used Car Buyers If you are buying a second-hand car through a car loan, completing the vehicle transfer form is crucial. Without it, the seller may still be liable for legal or financial issues involving the car. Buyers should also verify that hypothecation termination has been completed, ensuring the car is free from existing loans before applying for ownership transfer. Common Mistakes in Vehicle Transfer Process Submitting incomplete or unsigned forms. Missing insurance or PUC details. Delay in applying within 14 days of purchase (for local transfer). Not clearing hypothecation before applying for ownership transfer. Avoiding these errors ensures your vehicle ownership transfer form is accepted without delays. Final Thoughts Completing the vehicle transfer form process is a legal requirement and a safeguard for both buyer and seller. Thanks to digital platforms, the vehicle ownership transfer form can now be filled and submitted online with ease. Whether you’re buying a car with a used car loan or selling one, never ignore this step. It protects you from future liabilities and ensures smooth legal transfer of ownership. FAQs What is Form 27 in vehicle transfer? Form 27 is the official vehicle transfer form used for applying for a new registration mark at the RTO. Can I apply for vehicle ownership transfer form online? Yes, through the Parivahan portal, you can apply digitally. What documents are required for Form 27? RC, insurance, PUC, address proof, photographs, and duly filled vehicle transfer form. How much does ownership transfer cost? Between Rs. 150–500 depending on the state. Is hypothecation removal necessary before transfer? Yes, hypothecation termination must be completed if the car was bought on a loan. How long does it take for ownership transfer? Usually 15–30 days depending on RTO verification.
28-08-2025
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RBI's Latest Move: What the New Repo Rate Means for Your Home Loan EMI in 2025

The Reserve Bank of India's (RBI) repo rate decisions have a direct impact on your monthly home loan EMI. That is how it can impact your dream of owning a house. If you are wondering how the latest RBI announcements will affect your finances, you can get clarity here. If you are not sure about the eligibility for government benefits like PMAY CLSS, this guide simplifies it for you. Whether you are looking to book your first home by taking a loan or are someone who has an existing loan and worries about a change in your EMI, we will help you understand what RBI repo rates mean and how they may impact your financial future. Key Takeaways ● Learn how RBI’s repo rate changes impact your home loan interest rate and your EMI. ● Understand if you are eligible for the PMAY CLSS scheme ● Know how to manage any changes in the home loan EMI ● Time your home loan to enjoy the Pradhan Mantri Awas Yojana benefits. Table of Contents What is RBI Repo Rate and Why Is It Important? How Repo Rate Changes Affect Your Home Loan EMI Understanding PMAY CLSS Eligibility 2025 Smart Strategies for Home Buyers in 2025 Final Thoughts Frequently Asked Questions What is RBI Repo Rate and Why is it Important? The Reserve Bank of India lends money to commercial banks at an interest rate, and that is the repo rate. Think of it as a cost to any bank. When this rate changes, banks adjust their lending rates accordingly – and that directly affects your home loan interest rate. Here is why it matters to you: When the repo rate goes down, your home loan interest rate reduces and hence the home loan in itself becomes cheaper. When it goes up, you pay more. If you are planning to buy your first home or are already paying a home loan EMI, a change in the repo rate can either ease or cut into your finances. How Repo Rate Changes Affect Your Home Loan EMI When the RBI decreases the Repo Rate, banks reduce their lending rates. Due to this, your home loan interest rate decreases, which in turn reduces your monthly EMI. When the RBI increases the Repo Rate, banks increase their lending rates. Due to this, your home loan interest rate goes up, which in turn increases your monthly EMI. Most home loans in India are linked to external benchmarks like the repo rate, which means changes happen relatively quickly. In most cases, the changes are imposed within 3 months of an RBI announcement. Understanding Pradhan Mantri Awas Yojana (PMAY) CLSS Eligibility The PMAY Credit-Linked Subsidy Scheme (PMAY-CLSS) continues to help aspiring homeowners with affordable housing. Here's what you need to know: Who Can Apply: ● Middle Income Group 1 (MIG-1): Annual household income between Rs. 6 lakh and Rs. 12 lakh, and the eligible loan amount is Rs. 9,00,000 with interest subsidy of 4% per annum. ● Middle Income Group 2 (MIG-2): Annual household income between Rs. 12 lakh and Rs. 18 lakh, and the eligible loan amount is Rs. 12,00,000 with an interest subsidy of 3% per annum. ● Economically Weaker Section (EWS): Annual household income up to Rs. 3 lakh, and the eligible loan amount is Rs. 6,00,000 with interest subsidy of 6.5% per annum. ● Lower Income Group (LIG): Annual household income between Rs. 3 lakh and Rs. 6 lakh, and the eligible loan amount is Rs. 6,00,000 with interest subsidy of 6.5% per annum. Key Benefits: ● The subsidy is calculated based on the eligible loan amount, and it can be for a loan that goes up to 20 years. ● Direct credit to your loan account, which reduces your total loan outstanding amount ● Discounted Net Present Value (NPV) Rate of 9%, which is one of the best in the industry It works with the existing interest rates in the market, giving relief when the repo rate changes may suddenly increase your burden. Smart Strategies for Home Buyers in 2025 When you are planning to take a home loan: The first thing to do when planning to buy a home by taking a loan is to monitor RBI policy announcements for a favorable timing. You can get pre-approved loans when the rates are low - this can ensure that you save money. Include the Pradhan Mantri Awas Yojana plan when you start looking for a home loan. Consider floating-rate loans if you expect rates to fall further. If you already have a home loan: Firstly, check if your loan is linked to the repo rate or any other external benchmark. You can consider taking a loan through this scheme if you are on an older or higher-interest-rate loan. Go for partial prepayment options when rates are low and review your loan structure annually. Final Thoughts RBI’s monetary policy decisions can have a direct impact on your budget if you are already repaying a home loan or plan to do so in the near future. Keep yourself up-to-date on the repo rate changes and PMAY-CLSS scheme options to make these policies work in your favor. Make informed decisions so that your long-term goals need not be compromised. Frequently Asked Questions Q1. When can the repo rate changes affect my home loan EMI? Most banks announce changes in their home loan interest rates within three months of RBI announcements, so you can expect the same time. Q2. Can I apply for PMAY CLSS in 2025? You can apply for the PMAY CLSS scheme if you are eligible. Check with approved lenders for the latest guidelines and application processes. Q3. Should I choose a fixed or a floating rate during uncertain times?Floating rates offer a better value over a period. Fixed rates can save you the headache of a changing EMI and it will stay constant. Q4. How to calculate Pradhan Mantri Awas Yojana subsidy? The Pradhan Mantri Awas Yojana subsidy is calculated based on the loan amount you are eligible for. Q5. What documents do I need for PMAY CLSS eligibility?Income certificate for all the members of the family, property documents, Aadhaar card, bank statements, and Form 16 are commonly asked for. Some specific requirements may be added by the lender. Q6. Can existing home loan borrowers benefit from PMAY?PMAY-CLSS is primarily for new home loans. However, check with your lender for any possibility of transfer or top-up loan options.
26-08-2025
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Tips & Advice

Zero Dep vs Comprehensive Car Insurance

When buying a car insurance policy, most people face confusion between zero depreciation cover (zero dep) and a standard comprehensive insurance policy. Both offer wide protection, but their coverage, costs, and benefits vary significantly. Understanding the difference between zero dep and comprehensive insurance will help you make a smarter choice, save money, and protect your vehicle better. Key Takeaways Learn what zero dep and comprehensive car insurance mean. Understand the comprehensive vs zero dep debate in simple terms. Discover when it’s better to choose zero dep cover. Explore practical examples to understand coverage differences. Table of Contents What Is Comprehensive Car Insurance? What Is Zero Depreciation Cover? Comprehensive vs Zero Dep: The Core Difference Key Features of Zero Dep Cover Benefits of Comprehensive Insurance Who Should Choose Zero Dep Over Comprehensive? Cost Comparison: Zero Dep vs Comprehensive Example Scenarios: How Claims Differ Pros and Cons of Both Options Final Thoughts FAQs What Is Comprehensive Car Insurance? A comprehensive insurance policy is the most common form of car insurance. It covers: Damages to your own car caused by accidents, fire, natural calamities, or theft. Third-party liability, i.e., injury or damage to another person’s vehicle/property. However, comprehensive policies don’t cover the depreciation of car parts. This means if your bumper is damaged, the insurance company will deduct depreciation value and pay only the reduced cost. What Is Zero Depreciation Cover? A zero depreciation cover (or zero dep) is an add-on to your comprehensive insurance policy. It ensures you get the full claim amount without deductions for depreciation. Example: If your car’s bumper costs Rs. 10,000 and it depreciates by 30%, under standard insurance you’ll only get Rs. 7,000. With zero dep, you get the full Rs. 10,000. This is why many new car owners prefer zero dep, as it provides maximum protection against repair costs. Comprehensive vs Zero Dep: The Core Difference The difference between zero dep and comprehensive insurance lies in how claims are settled: Feature Comprehensive Insurance Zero Depreciation Insurance Coverage Own damage + third-party liability Own damage + third-party + 100% parts replacement Depreciation Deduction Yes No Premium Cost Lower Higher Best For Older vehicles, budget-conscious buyers New cars, expensive cars, luxury cars Key Features of Zero Dep Cover Covers full cost of repairs without depreciation cuts. Usually available for cars less than 5 years old. Covers fiber, metal, and plastic parts fully. Add-on cost varies but can save huge repair expenses. This add-on is especially useful if you bought your vehicle through a used car loan or new car loan, as it prevents you from spending extra out of pocket during accidents. Benefits of Comprehensive Insurance Affordable premium compared to zero dep. Suitable for older cars where repair costs are lower. Still provides broad protection against theft, fire, floods, and accidents. Includes mandatory third-party liability coverage. If you own a car that has already undergone significant depreciation, sticking to comprehensive insurance makes financial sense. Who Should Choose Zero Dep Over Comprehensive? Choose zero dep insurance if: Your car is brand new or less than 5 years old. You own a luxury or high-value car where spare parts are expensive. You’re a first-time car buyer who wants maximum financial protection. You’ve financed your car with a car loan, so you don’t want surprise repair costs. On the other hand, comprehensive works better for older vehicles where the premium difference may not be worth it. Cost Comparison: Zero Dep vs Comprehensive Comprehensive Insurance → Lower premium, higher out-of-pocket repair costs. Zero Dep Insurance → Higher premium, minimal repair expenses. For example, if your comprehensive premium is Rs. 12,000 per year, zero dep may cost Rs. 15,000. The extra Rs. 3,000 could save you Rs. 30,000–50,000 in repair bills after a major accident. Example Scenarios: How Claims Differ Scenario 1: Minor Accident Comprehensive: Claim paid after depreciation cut. Zero Dep: Full claim amount for parts and repairs. Scenario 2: Major Accident Comprehensive: You pay a portion of the repair cost. Zero Dep: Insurance pays full replacement costs. Scenario 3: Old Car (6+ years) Comprehensive: Best value as car already depreciated. Zero Dep: Usually not available. This makes the difference between zero dep and comprehensive insurance clearer in real-life situations. Pros and Cons of Both Options Comprehensive Insurance Lower premiumSuitable for older carsHigher repair costs due to depreciation Zero Dep Insurance Maximum coverage for new carsIdeal for luxury or financed carsHigher premiumLimited availability (new cars only) Final Thoughts Both comprehensive and zero dep have their place. If you own a new or luxury car, zero dep cover ensures maximum financial protection. If your car is older, a comprehensive insurance plan without the add-on may be sufficient. When deciding, always weigh your car’s age, value, and whether it’s financed with a car loan or used car loan. Choosing the right policy will protect your finances, keep you stress-free, and ensure your vehicle stays road-ready without surprise expenses. FAQs What is the main difference between zero dep and comprehensive insurance? Zero dep covers full repair costs without depreciation, while comprehensive deducts depreciation. Is zero dep mandatory? No, it’s optional but highly recommended for new cars. How long is zero dep cover available? Usually for cars up to 3–5 years old. Which is cheaper: comprehensive vs zero dep? Comprehensive has a lower premium but higher out-of-pocket repair costs. Can I take zero dep for a used car? Some insurers allow it for cars less than 3 years old. Does zero dep cover engine damage? Some policies include it, others require an add-on. Always check terms. Is comprehensive insurance enough without zero dep? Yes, for older cars where repair costs are lower. Does having a car loan affect my choice? Yes, if you have a loan, zero dep ensures you don’t face financial strain after accidents.
22-08-2025
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Comprehensive Car Insurance in India

When buying a car, choosing the right insurance policy is as important as the vehicle itself. Among the different types available, comprehensive car insurance offers the broadest protection. It covers not only third-party liabilities but also damages to your own car, theft, and natural disasters. This guide will help you understand what comprehensive insurance means, why it matters, what it covers, and how to choose the right plan in India. Key Takeaways Comprehensive car insurance protects both third-party damages and your own vehicle. It covers accidents, theft, fire, natural disasters, and man-made damages. Add-ons like zero-depreciation, roadside assistance, and engine protection enhance coverage. Though costlier than third-party insurance, it offers peace of mind and long-term savings. Financing through a second hand car loan makes owning and insuring a car more affordable. Table of Contents What is Comprehensive Car Insurance? Why Comprehensive Insurance is Important Coverage Offered Under Comprehensive Car Insurance Key Add-Ons to Consider Difference Between Comprehensive and Third-Party Insurance Benefits of Comprehensive Car Insurance Limitations of Comprehensive Policies Factors That Affect Premiums How to Choose the Best Comprehensive Car Insurance Plan Financing Car Ownership and Insurance Together Final Thoughts FAQs What is Comprehensive Car Insurance? Comprehensive car insurance is an extensive motor insurance policy that covers both third-party liabilities and damages to your own vehicle. Unlike third-party coverage, which is mandatory by law but limited in scope, comprehensive plans ensure full protection. This type of insurance is particularly beneficial for new or expensive cars, where the cost of repair or replacement can be high. Why Comprehensive Insurance is Important A car accident or theft can cause significant financial strain. With comprehensive car insurance, you don’t just meet legal requirements—you safeguard your financial security. It ensures: Peace of mind while driving Protection against unexpected repair costs Coverage in case of theft or natural calamities like floods or earthquakes Coverage Offered Under Comprehensive Car Insurance Most comprehensive policies cover: Accidental damage to your vehicle Third-party liability (injury or damage to others) Theft and fire protection Natural calamities (floods, cyclones, earthquakes) Man-made damages like riots or vandalism This makes comprehensive car insurance the best choice for people who want wide-ranging protection. Key Add-Ons to Consider One major advantage of comprehensive plans is the ability to include add-ons. Commonly chosen add-ons include: Zero Depreciation Cover – Ensures full claim without accounting for depreciation. Engine Protection – Covers repair costs due to waterlogging or oil leakage. Roadside Assistance – Help in case of breakdowns. Return to Invoice Cover – Helps you get the full invoice value in case of total loss. For more clarity, you can also read about the difference between zero dep and comprehensive insurance, which explains how add-ons strengthen policies. Difference Between Comprehensive and Third-Party Insurance While comprehensive car insurance covers everything from third-party damage to your own vehicle, third-party insurance only covers damages caused to another person’s vehicle or property. Aspect Comprehensive Insurance Third-Party Insurance Own vehicle damage Covered Not covered Theft, natural calamities Covered Not covered Legal requirement Optional but recommended Mandatory Premium Higher Lower Choosing third-party insurance alone may seem cheaper, but in the long run, comprehensive coverage is more cost-effective. Benefits of Comprehensive Car Insurance Some advantages of opting for a comprehensive policy include: Full protection for both car and driver Better financial security in case of accidents Wide coverage options with add-ons Resale benefits, as buyers prefer cars with valid comprehensive insurance For example, when buying best resale value cars in India, comprehensive coverage can increase buyer confidence. Limitations of Comprehensive Policies While comprehensive insurance offers wide coverage, it has certain exclusions such as: Regular wear and tear Driving without a valid license or under influence Mechanical or electrical breakdowns not caused by accidents Damages during participation in illegal activities Hence, always read the policy documents carefully. Factors That Affect Premiums The cost of a comprehensive car insurance plan depends on: Car make and model Age of the vehicle Geographical location Add-ons selected No-claim bonus history Premiums for SUVs and luxury vehicles are higher compared to hatchbacks and sedans. How to Choose the Best Comprehensive Car Insurance Plan When comparing plans, keep the following in mind: Check coverage – Ensure the policy covers all risks relevant to your area (floods, theft, etc.). Review add-ons – Select useful add-ons instead of unnecessary extras. Compare premiums – Balance cost with benefits. Look at claim settlement ratio – High settlement rates indicate reliability. Financing Car Ownership and Insurance Together Buying a car often involves significant financial planning. A used car loan allows you to buy a pre-owned vehicle without high upfront costs. Pairing this with comprehensive car insurance ensures that your investment is protected from day one. Financing with a car loan also enables you to opt for higher-end vehicles while still managing insurance premiums. Final Thoughts Comprehensive car insurance is the smartest choice for Indian car buyers who want complete financial security. Although it comes at a higher premium than third-party coverage, the benefits of wider protection, optional add-ons, and peace of mind make it worth the investment. Whether you’re buying a new or pre-owned vehicle, pair it with a strong insurance plan and the right financing solution to enjoy worry-free ownership. FAQs Is comprehensive car insurance mandatory in India? No, only third-party insurance is mandatory. Comprehensive insurance is optional but highly recommended. Does comprehensive car insurance cover theft? Yes, it covers theft, fire, natural disasters, and man-made damages in addition to accidents. Is it better to buy zero dep with comprehensive insurance? Yes, a zero depreciation add-on ensures maximum claim settlement. How can I lower my premium for comprehensive car insurance? By maintaining a good no-claim bonus, installing anti-theft devices, and comparing providers. Can I buy comprehensive car insurance for a used car? Yes, used cars are also eligible, and pairing with a used car loan can help with affordability.
22-08-2025
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Vehicle Transfer Form - Need, Types, Documents, How to

When you sell or buy a vehicle in India, transferring ownership officially is mandatory. This process requires filling out specific documents such as the vehicle transfer form. Known as Form 27 or vehicle ownership transfer form, this document ensures the legal shift of ownership from seller to buyer at the Regional Transport Office (RTO). Without completing this process, the previous owner may still be held liable for traffic violations, accidents, or insurance claims. In this blog, we’ll cover everything about the vehicle transfer form, including when it’s required, how to fill it, supporting documents, and the online process for a smooth transfer. Key Takeaways The vehicle transfer form (Form 27) is essential for legally transferring car ownership. Mandatory when selling, buying, or inheriting a vehicle. Can be completed both online and offline through the RTO. Requires supporting documents such as RC, insurance, PUC, and address proof. Essential for anyone applying for a used car loan to buy a second-hand car. Table of Contents What Is a Vehicle Transfer Form? When Do You Need a Vehicle Ownership Transfer Form? Types of Vehicle Transfer Forms (Form 27, Form 28, Form 29, Form 30) Documents Required for Vehicle Transfer Step-by-Step Guide to Filling a Vehicle Transfer Form RTO Process for Vehicle Ownership Transfer How to Apply for Vehicle Transfer Form Online Charges for Vehicle Ownership Transfer Importance of Vehicle Transfer for Used Car Buyers Common Mistakes in Vehicle Transfer Process Final Thoughts FAQs What Is a Vehicle Transfer Form? A vehicle transfer form is the legal document required to shift ownership of a vehicle from the seller to the buyer. Known officially as Form 27, it is submitted to the RTO where the vehicle is registered. The vehicle ownership transfer form ensures that all liabilities, including accidents, challans, and insurance claims, are shifted to the new owner. Without it, the seller remains legally responsible even after handing over the vehicle. When Do You Need a Vehicle Ownership Transfer Form? The vehicle ownership transfer form is required in the following cases: Sale of vehicle – When a car is sold to another person. Purchase of used vehicle – For buyers applying for a used car loan, submission of Form 27 is mandatory. Death of owner – Ownership transfer to the legal heir. Relocation – Transfer of registration from one state to another. Types of Vehicle Transfer Forms (Form 27, Form 28, Form 29, Form 30) While the vehicle transfer form mainly refers to Form 27, there are other related forms you may need: Form 27 – Application for assignment of a new registration mark. Form 28 – No Objection Certificate (NOC) for transfer. Form 29 – Notice of transfer of ownership. Form 30 – Application for intimation and transfer of ownership. Together, these forms ensure the vehicle ownership transfer form process is complete and legally binding. Documents Required for Vehicle Transfer To complete the transfer, you’ll need: Original RC (Registration Certificate). Valid insurance certificate. PUC (Pollution Under Control) certificate. Aadhaar or other identity/address proof. Passport-size photographs. Duly filled vehicle transfer form (Form 27). These documents are submitted along with the fees at the RTO. Step-by-Step Guide to Filling a Vehicle Transfer Form Filling out Form 27 is simple if you follow these steps: Write the name and details of the transferor (seller) and transferee (buyer). Provide vehicle details like registration number, engine number, and chassis number. Fill in insurance details and validity. Attach address proof and photographs of the new owner. Signatures of both parties are required. Submit the form along with supporting documents at the RTO. This ensures the vehicle ownership transfer form is processed smoothly. RTO Process for Vehicle Ownership Transfer Once the vehicle transfer form and documents are submitted, the RTO will: Verify the application and documents. Issue an updated RC card with the new owner’s name. Inform the insurance company about the ownership change. The process typically takes 15–30 days, depending on the RTO. How to Apply for Vehicle Transfer Form Online The Government of India has made it easier with online applications through the Parivahan portal. Steps include: Visit https://parivahan.gov.in. Go to “Online Services” → “Vehicle Related Services.” Select your state and RTO. Choose “Transfer of Ownership” and fill the vehicle transfer form online. Upload documents (insurance, PUC, ID proof). Pay applicable fees. Download acknowledgement receipt. With vehicle ownership transfer form submission online, the process is quicker and hassle-free. Charges for Vehicle Ownership Transfer The charges for vehicle transfer form processing vary by state but usually fall between Rs. 150–500. Additional charges may apply for smart card RC issuance. Importance of Vehicle Transfer for Used Car Buyers If you are buying a second-hand car through a car loan, completing the vehicle transfer form is crucial. Without it, the seller may still be liable for legal or financial issues involving the car. Buyers should also verify that hypothecation termination has been completed, ensuring the car is free from existing loans before applying for ownership transfer. Common Mistakes in Vehicle Transfer Process Submitting incomplete or unsigned forms. Missing insurance or PUC details. Delay in applying within 14 days of purchase (for local transfer). Not clearing hypothecation before applying for ownership transfer. Avoiding these errors ensures your vehicle ownership transfer form is accepted without delays. Final Thoughts Completing the vehicle transfer form process is a legal requirement and a safeguard for both buyer and seller. Thanks to digital platforms, the vehicle ownership transfer form can now be filled and submitted online with ease. Whether you’re buying a car with a used car loan or selling one, never ignore this step. It protects you from future liabilities and ensures smooth legal transfer of ownership. FAQs What is Form 27 in vehicle transfer? Form 27 is the official vehicle transfer form used for applying for a new registration mark at the RTO. Can I apply for vehicle ownership transfer form online? Yes, through the Parivahan portal, you can apply digitally. What documents are required for Form 27? RC, insurance, PUC, address proof, photographs, and duly filled vehicle transfer form. How much does ownership transfer cost? Between Rs. 150–500 depending on the state. Is hypothecation removal necessary before transfer? Yes, hypothecation termination must be completed if the car was bought on a loan. How long does it take for ownership transfer? Usually 15–30 days depending on RTO verification.
28-08-2025
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How Does a Salary Account Help to Get Personal Loan?

For many working professionals, a personal loan is one of the quickest ways to manage urgent financial needs like medical bills, weddings, education, or travel. But did you know that your salary account can play an important role in getting a personal loan approved quickly and at better terms? Let’s understand how a salary account helps in personal loan eligibility and approval. What is a Salary Account? A salary account is a special type of savings account opened by your employer to credit your monthly salary. It often comes with added benefits such as zero minimum balance, faster transaction processing, and exclusive offers. Since it reflects your income, expenses, and financial stability, lenders consider it an important factor when you apply for a personal loan. How a Salary Account Helps in Getting a Personal Loan 1. Proof of Stable Income A salary account clearly shows regular monthly credits from your employer. Lenders use this to confirm that you have a steady income source, which reduces the risk of default and makes you a more reliable borrower. 2. Easy Verification Since all salary details and transactions are visible in the account, lenders don’t need to spend much time verifying your income documents. This makes the loan approval process faster. 3. Higher Loan Eligibility If your salary account reflects a healthy income with minimal liabilities, lenders may offer you a higher loan amount. A higher take-home salary improves your repayment capacity, which directly boosts personal loan eligibility. 4. Preferential Interest Rates Many banks and financial institutions provide special interest rate offers to customers who maintain salary accounts with them. This could mean lower interest on your personal loan compared to regular borrowers. 5. Quick Disbursal When your salary account and personal loan provider are the same bank, loan disbursal is usually much faster. In some cases, pre-approved personal loans are offered instantly to salary account holders. 6. Better Creditworthiness A well-managed salary account without frequent overdrafts, cheque bounces, or irregularities helps you build a stronger financial profile, which positively impacts your loan approval chances. Things to Keep in Mind Maintain consistent salary credits in your account. Avoid cheque bounces or excessive overdraft usage. Keep your debt-to-income ratio low to improve eligibility. Even with a salary account, your credit score plays a major role in loan approval. Final Thoughts Having a salary account doesn’t just make salary management easier. It also improves your chances of getting a personal loan approved quickly and at better terms. From faster verification to higher eligibility and preferential interest rates, it acts as a financial advantage for borrowers. If you’re planning to apply for a personal loan, maintaining a healthy salary account history can work strongly in your favour.
25-08-2025
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How to Get FASTag - Online & Offline Application Guide

Long waits at toll plazas used to be a common problem for drivers in India. With the introduction of FASTag, this issue has almost disappeared. FASTag is an electronic toll collection system that uses Radio Frequency Identification (RFID) technology to make toll payments directly from your prepaid account. If you’re wondering how to get FASTag for your car, this blog explains the process in simple steps. We’ll also cover where to buy FASTag, required documents, recharging, benefits, and tips to avoid common mistakes. Whether you’re driving a new car or a used one purchased through a used car loan, having FASTag is now mandatory for smooth travel on national highways. Key Takeaways FASTag is a digital toll collection system based on RFID technology. It can be purchased online through banks, payment apps, or offline at toll plazas. Key documents required include RC copy, passport-size photo, and KYC ID proof. FASTag saves time, fuel, and makes road trips more convenient. Knowing how to apply for FASTag ensures hassle-free long-distance driving. Table of Contents Introduction What is FASTag and Why is it Important? Documents Required to Get FASTag How to Apply for FASTag Online How to Get FASTag Offline How to Recharge FASTag Easily Common Issues and Solutions FASTag Rules in India You Should Know FASTag for New vs. Used Cars Conclusion FAQs Introduction Traveling across India’s expanding road network has become easier with FASTag. Whether you’re buying a new car or considering one of the best resale value cars in India, a FASTag is compulsory for all vehicles. Knowing how to get FASTag ensures you avoid penalties and long waiting times at toll plazas. What is FASTag and Why is it Important? FASTag is a small sticker affixed to your car’s windshield. It uses RFID technology to deduct toll charges automatically from a linked account when you cross a toll plaza. The system was made mandatory by the government to reduce congestion and improve fuel efficiency. Once you know how to apply for FASTag, you can enjoy seamless travel without handling cash or waiting in long queues. Documents Required to Get FASTag To complete the application, you need a few basic documents: Vehicle Registration Certificate (RC) Passport-size photograph of the owner KYC documents (Aadhaar card, PAN card, or driving license) If you’re purchasing a car with the help of car loan, the dealer often assists in applying for FASTag. How to Apply for FASTag Online The easiest way is through banks, digital wallets, or government websites. Here’s how to apply: Visit a FASTag-issuing bank website (like SBI, ICICI, HDFC) or payment apps. Fill out the application form with your details. Upload scanned copies of required documents. Pay the issuance fee and minimum balance. FASTag will be delivered to your address. Many people search for how to get FASTag for second-hand cars. The process is the same, but ensure ownership details are updated in the RC before applying. How to Get FASTag Offline If you prefer offline, FASTags can be purchased at: Toll plazas (dedicated FASTag counters) Selected banks and RTO offices Vehicle dealerships during purchase For used cars, dealers often include FASTag as part of the handover, but you may need to update details if the ownership has changed. How to Recharge FASTag Easily Recharging is quick and can be done via: UPI apps like Paytm, PhonePe, Google Pay Bank net banking portals NHAI wallet app Always keep a sufficient balance to avoid blacklisting. If you’re planning long-distance travel, top up beforehand. Knowing how to apply for FASTag and recharge it on time saves both money and stress. Common Issues and Solutions Low balance: Recharge via UPI instantly. Tag not detected: Ensure proper placement on windshield. Ownership mismatch: Update KYC and RC details if you bought a used car. This is similar to updating records during processes like the RTO hypothecation removal process online, which ensures your vehicle details are accurate. FASTag Rules in India You Should Know FASTag is mandatory for all four-wheelers. Double toll charges apply if you don’t have FASTag. Tags have a five-year validity and can be recharged as needed. Each vehicle needs its own tag—no sharing across cars. FASTag for New vs. Used Cars New Cars: Dealers usually include FASTag at the time of purchase. Used Cars: You must apply separately if the previous owner’s tag is invalid. While exploring how to get FASTag, used car buyers should also check insurance, RC, and emissions certificates to ensure compliance. Conclusion Getting a FASTag is no longer optional—it’s a necessity for all car owners. Whether you’re researching how to get FASTag for your new purchase or learning how to apply for FASTag for a used vehicle, the process is simple and convenient. Along with saving time and fuel, FASTag makes road trips stress-free. For those planning to buy a used car, pairing your purchase with a used car loan ensures affordability while staying compliant with rules. FAQs How long does it take to get a FASTag? Usually, online applications are processed within 3–5 working days, and the tag is delivered by courier. Can I transfer my FASTag to another vehicle? No, each vehicle requires its own FASTag linked to its registration number. What is the cost of a FASTag? The cost includes an issuance fee (₹100–₹200) and a refundable security deposit depending on vehicle type. What happens if my FASTag is not working? You should contact your issuing bank or app. In some cases, a replacement tag may be needed. Do I need FASTag for a second-hand car? Yes, even used cars require FASTag. Just ensure the RC ownership details are updated before applying.
25-08-2025
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How to Get BH Number Plate

The BH number plate (Bharat Series) is a new vehicle registration system introduced in India to make interstate travel and ownership transfers easier. It has become especially useful for professionals who move across states frequently due to job postings or business opportunities. Unlike traditional number plates, which are tied to a single state, the BH series is valid nationwide, eliminating the hassle of re-registration every time you relocate. In this blog, we’ll explain what the BH number plate is, its benefits, eligibility criteria, step-by-step process to apply, documents required, costs involved, and its overall impact on both new and used car buyers. Key Takeaways BH number plate allows seamless vehicle use across all Indian states without re-registration. Ideal for employees of central/state government, defense services, or private firms with offices in multiple states. Application can be done online through the MoRTH Vahan portal. BH registration comes with road tax benefits and convenience. Buyers can finance new or pre-owned cars with a used car loan. Table of Contents Introduction to BH Number Plate Why Was the BH Number Plate Introduced? Who is Eligible for a BH Number Plate? Step-by-Step Process to Apply Documents Required for Application Road Tax and Cost Structure Benefits of BH Number Plate Things to Keep in Mind BH Number Plate for Used Cars FAQs Introduction to BH Number Plate The BH number plate was introduced in August 2021 by the Ministry of Road Transport and Highways (MoRTH). Its full form is Bharat Series registration mark. Unlike regular number plates that are tied to a specific state, a BH plate is valid throughout India. The BH series is one of the newest among the many types of number plates in India, each serving a unique purpose. This new format makes it easier for vehicle owners who relocate often due to work transfers, as they no longer need to re-register their car in every new state. Why Was the BH Number Plate Introduced? Earlier, when someone shifted to another state, they had to re-register their vehicle within 12 months, pay road tax again, and apply for a refund from the original state. This process was long and inconvenient. The BH number plate simplifies this by offering: One-time registration valid pan-India. Flexibility for job relocations. Streamlined road tax payment structure. This system reflects India’s move toward digitization and ease of mobility. Who is Eligible for a BH Number Plate? Not everyone can apply for a BH number plate. Currently, it is available to: Central and state government employees. Defense personnel. PSU employees. Employees of private companies with offices in at least four states or union territories. The employer must provide an official ID or eligibility certificate for the applicant. Step-by-Step Process to Apply Here’s how to apply for a BH number plate: Purchase of Vehicle: Buy your car from a dealership that is registered under the BH scheme. Application Submission: Fill out Form 60 and submit along with employer eligibility proof. Upload Documents: Log in to the MoRTH Vahan portal to upload documents like proof of employment, ID, and address. Payment of Road Tax: Pay road tax online as per the BH system. Allotment of Number: The RTO issues a BH series number in the fYY BH #### XX.ormat Example: 22 BH 4567 AA Documents Required for Application Applicants must submit the following documents: Form 60 application. Identity proof (Aadhaar, PAN, etc.). Employment certificate from government or private employer. Proof of address. Vehicle invoice. Road tax payment receipt. Road Tax and Cost Structure In the BH number plate system, road tax is paid in two-year blocks instead of a lump sum for 15 years. Vehicles costing under ₹10 lakh: 8% road tax. ₹10–20 lakh: 10% road tax. Above ₹20 lakh: 12% road tax. For electric vehicles, the tax is 2% lower. This flexible tax payment makes owning cars more affordable, especially for buyers looking at premium models like the most comfortable car in India. Benefits of BH Number Plate The BH number plate provides several advantages: No need for re-registration when shifting states. Digital process through Vahan portal. Shorter paperwork and less RTO hassle. Easy transfer of ownership. Flexible tax payment. While the BH plate ensures convenience across states, some buyers also chase exclusivity by bidding for the most expensive number plate in India. Things to Keep in Mind While the BH system is convenient, keep these points in mind: Not available to all private individuals yet. Vehicles with BH numbers cannot be registered offline — only online via the portal. Road tax must be renewed every two years (instead of once for 15 years). If eligibility criteria no longer apply, the number can be converted into a regular state number. BH Number Plate for Used Cars The BH number plate isn’t limited to new cars. Even used cars can be transferred under this scheme if the buyer meets eligibility requirements. When purchasing a pre-owned vehicle, ensure proper ownership transfer using the vehicle transfer form, and confirm the BH number details are updated in the Vahan system. Financing such purchases is easy with a car loan, which helps spread costs over EMIs while enjoying the tax flexibility of BH registration. FAQs Can I apply for a BH number plate if I am self-employed? Currently, no. Only salaried employees of government, defense, PSUs, or registered companies with offices in four states are eligible. Can I convert my existing state number into a BH number plate? No, this option is only available for new vehicle registrations or ownership transfers under the scheme. Do all dealers provide BH registration? No, only dealers authorized under the MoRTH BH scheme can issue applications. Always confirm with your dealer before purchase. Can I sell a car with a BH number plate to someone in another state? Yes, but the new buyer must also meet BH eligibility. If not, the car will need to be re-registered under the local RTO. What happens if I stop working at a company with multiple-state offices? Your BH number plate can be converted into a regular state registration at your current address.
22-08-2025
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How to Find Vehicle Owner Details by Number Online in India

There are many situations where you may need to know the car owner details of a particular vehicle. Whether it’s after a road accident, buying a second-hand car, or dealing with a suspiciously parked vehicle, having access to the right information can be extremely useful. With advancements in digital services, it has become easier than ever to find vehicle owner information online in a legal and straightforward way. This blog explains the different methods to get vehicle owner name by vehicle number, how to use government-authorized platforms, and the precautions to keep in mind while accessing such data. Key Takeaways Learn how to legally obtain vehicle owner details by number. Explore the government-approved apps and websites available in India. Understand when and why you might need to find vehicle owner details. Know the limitations and privacy rules related to vehicle data access. Table of Contents Why Would You Need to Find Vehicle Owner? Legal Framework Behind Vehicle Owner Details How to Find Vehicle Owner Name by Vehicle Number Online Using Parivahan Website for Car Owner Details mParivahan App: Quick Access to Vehicle Owner Details SMS Service for Vehicle Information When Should You Use Vehicle Owner Details? Risks of Misusing Vehicle Owner Information Vehicle Ownership Transfer and Importance of Accurate Records Final Thoughts FAQs Why Would You Need to Find Vehicle Owner? There are several everyday situations where you might want to know the vehicle owner details by number: After a hit-and-run accident to identify the vehicle involved. While purchasing a used car, to ensure the seller is the actual owner. Reporting suspicious or illegally parked vehicles. Verifying vehicle details during insurance claims. In such cases, knowing how to find vehicle owner details can help you make informed decisions. Legal Framework Behind Vehicle Owner Details The Government of India maintains a centralized database called VAHAN, which stores details of all registered vehicles. Access to car owner details is provided under specific circumstances to ensure transparency and accountability. However, this data is protected by privacy laws. You are allowed to view limited information such as vehicle owner name by vehicle number, registration date, fuel type, and insurance validity, but not sensitive personal details like address. How to Find Vehicle Owner Name by Vehicle Number Online The most popular and legal method to find vehicle owner information is through the VAHAN portal. Steps include: Visit the official VAHAN website (https://vahan.nic.in). Go to the “Know Your Vehicle Details” section. Enter the vehicle registration number. Submit the captcha code. The system will display details such as vehicle owner name by vehicle number, registration date, and insurance details. This method is quick, free, and reliable for getting vehicle owner details by number. Using Parivahan Website for Car Owner Details The Ministry of Road Transport and Highways (MoRTH) has developed the Parivahan Sewa portal, which allows citizens to check car owner details online. Information you can access includes: Vehicle owner’s name (masked partially for privacy). Registration date and state. Chassis and engine number (partially hidden). Validity of insurance and pollution certificate. This system is especially helpful when verifying ownership before purchasing a used car. If you are buying a second-hand vehicle through a used car loan, verifying the seller’s details is crucial to avoid fraud. mParivahan App: Quick Access to Vehicle Owner Details Another official source is the mParivahan mobile application, which allows users to find vehicle owner information easily. Steps to use the app: Download mParivahan from the Play Store or App Store. Enter the vehicle registration number. Instantly view car owner details, model, fuel type, and insurance status. This app is particularly handy during emergencies like accidents or traffic disputes, as you can quickly fetch vehicle owner details by number on the spot. SMS Service for Vehicle Information For those who do not have internet access, the Ministry of Transport also provides an SMS service: Type VAHAN <space> Vehicle Registration Number. Send it to 7738299899. Receive details like vehicle owner name by vehicle number, registration date, and model. This service makes it simple for people even in remote areas to verify car owner details. When Should You Use Vehicle Owner Details? The option to find vehicle owner is helpful in many scenarios, including: Filing a police complaint after an accident. Confirming ownership before completing a sale. Validating insurance claims. Checking documents during vehicle ownership transfer. For example, if you are completing the RTO hypothecation removal process online, ensuring accurate ownership records is essential for smooth transfer of documents. Risks of Misusing Vehicle Owner Information While it is useful to have access to car owner details, misuse of this data is strictly prohibited. Selling or using this information for marketing or fraudulent purposes can result in legal penalties. Always use vehicle owner details by number only for genuine reasons like safety, verification, or legal procedures. Vehicle Ownership Transfer and Importance of Accurate Records When buying or selling a car, it is critical to complete the vehicle ownership transfer form and update the RTO records. If you fail to do this, the previous owner may still be legally responsible for accidents, fines, or crimes involving the car. That’s why checking car owner details before finalizing a purchase is not just a precaution, but a necessity. Especially when buying a used vehicle through a car loan, verifying ownership avoids disputes later. Final Thoughts Access to vehicle owner details by number has become much simpler with government-approved platforms like VAHAN, Parivahan Sewa, mParivahan, and SMS services. These systems ensure transparency while maintaining privacy. Whether you want to verify car owner details before buying a second-hand car, or need to identify a vehicle after an accident, these methods give you reliable information. For anyone considering a used car purchase, combine these checks with proper financing. A used car loan allows you to own your dream car while ensuring you are financially secure, and confirming the seller’s details gives you complete peace of mind. FAQs How can I find vehicle owner details by number online? You can use the VAHAN or Parivahan Sewa portals by entering the registration number. Can I get the car owner’s address online? No, only limited details such as vehicle owner name by vehicle number are provided for privacy reasons. Is it legal to find vehicle owner details? Yes, as long as you use official government platforms like VAHAN and Parivahan. Can I use SMS to get car owner details? Yes, by sending the registration number to 7738299899 in the specified format. Why should I verify car owner details before buying a used car? To ensure the seller is the legitimate owner and to avoid fraud during transactions.
22-08-2025
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How To Get NOC For Bike​

Thinking of selling your old bike or transferring it to someone in a different city or state? Before you do that, you need to get a No Objection Certificate (NOC) from the RTO and your lender (if the bike is under loan). This document is essential to legally transfer ownership and complete re-registration. In this blog, we’ll explain how to get a NOC for bike, why it matters, what documents you need, and how to avoid delays in the process. Key Takeaways NOC is a legal document that shows no dues or objections for vehicle transfer Required for sale, re-registration in another state, or loan closure Issued by the RTO and lender (if financed) Missing NOC can delay transfer or cause legal issues You can apply in person or online (in many states) Table of Contents What Is a NOC for a Bike? When Do You Need a NOC? Who Issues the NOC? Documents Required for Bike NOC Step-by-Step Process to Get a NOC from RTO How to Get a NOC from a Bank or NBFC Common Mistakes to Avoid Final Thoughts FAQs What Is a NOC for a Bike? A No Objection Certificate (NOC) is an official document that certifies: The bike has no pending dues or fines The lender or RTO has no objection to the sale or transfer of the bike The vehicle is not under theft, legal dispute, or hypothecation It is mandatory when transferring ownership to another person or re-registering the vehicle in a different state. When Do You Need a NOC? You’ll need a NOC in the following cases: Selling your bike to someone in a different state or RTO jurisdiction Transferring ownership to another person or family member Relocating permanently to another state and re-registering the bike Clearing a loan from a bank or NBFC and removing hypothecation Without a valid NOC, the RTO may refuse to complete the transfer, and you may face fines. Who Issues the NOC? There are two types of NOCs for a two-wheeler: Type Issued By When Needed RTO NOC Regional Transport Office For ownership transfer or re-registration Bank/NBFC NOC Lender After closing a bike loan (to remove hypothecation) If your bike was purchased on loan, you need both bank NOC and RTO NOC for full ownership transfer. Documents Required for Bike NOC Here’s what you typically need: Copy of Registration Certificate (RC)Copy of insurance policyPollution Under Control (PUC) certificateID and address proof2 passport-sized photographsCompleted Form 28 (for RTO NOC)Loan closure documents + Form 35 (for lender NOC)Original RC (if RTO demands it for stamping) Note: Forms can be downloaded from the Parivahan website or collected from your RTO. Step-by-Step Process to Get a NOC from RTO Step 1: Fill Form 28 Available at the RTO or online at https://parivahan.gov.in Step 2: Submit Required Documents Along with the filled form, submit copies of RC, insurance, PUC, ID proof, and photographs. Step 3: Pay the Fee NOC fee varies by state (usually ₹100–₹300). Pay via cash or online, depending on your RTO’s process. Step 4: Police Clearance Some RTOs send the form to the local police station for NOC verification. Step 5: Receive NOC It usually takes 7–15 working days. The NOC will mention that the RTO has no objection to the bike being transferred or re-registered elsewhere. How to Get a NOC from a Bank or NBFC If your two-wheeler loan is paid off: Request loan closure certificate from the lender Submit a written request for No Objection Certificate (NOC) The bank/NBFC will issue: Loan closure letter NOC Form 35 (used to remove hypothecation from the RC) You’ll need to take this to the RTO to update your registration and get full ownership rights. Common Mistakes to Avoid Not checking for pending challans — May delay NOC processingLosing bank NOC — It’s difficult to get a duplicate laterSkipping hypothecation removal — You can’t sell the bike until it’s doneIncorrect Form 28 details — Ensure RC and chassis numbers are accurateMissing deadline after NOC — Complete ownership transfer or re-registration within the valid NOC period (usually 6 months) Final Thoughts Knowing how to get a NOC for bike is essential if you’re planning to sell, relocate, or clear a vehicle loan. It ensures that ownership transfers happen smoothly and legally. With more processes going digital, getting a NOC has become easier — but you still need to follow the steps carefully and keep all documents ready. A little planning now can save you from major delays later. FAQs Q1. Is NOC mandatory to sell a bike in the same city? Not always. If both buyer and seller are under the same RTO, a NOC may not be needed. Q2. How long is a bike NOC valid? Usually 6 months from the date of issue. After that, you may need to reapply. Q3. Can I get an NOC online? In some states, yes. Visit https://parivahan.gov.in to check availability in your region. Q4. What is Form 28? Form 28 is the application form used to request a No Objection Certificate from the RTO. Q5. Is NOC needed for removing hypothecation? Yes, you need an NOC from your lender (bank/NBFC) after loan repayment. Q6. What if I lost my bank NOC? Contact your bank’s branch and request a duplicate. It may take time and require additional documents. Q7. Can I sell my bike without removing hypothecation? No. The buyer won’t be able to register the vehicle in their name unless hypothecation is cleared.
15-07-2025
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How to Check Your CIBIL Score Using a PAN Card?

What is a CIBIL Score? A CIBIL score is a three-digit number (ranging between 300 and 900) that indicates your creditworthiness based on your repayment history. It is derived from the data found in your Credit Information Report (CIR), which includes all your past loans and credit card payments. Lenders use your CIBIL score to determine your loan eligibility and decide the interest rate. A higher score typically means better chances of approval with lower interest rates. Why Use a PAN Card to Check Your CIBIL Score? Your PAN (Permanent Account Number) is a unique identifier tied to your financial history. Credit bureaus use it to pull your credit data and generate a report. Checking your CIBIL score using a PAN card is: Accurate Quick Free (once a year) Most financial institutions require your PAN to verify your credit history and offer loans, credit cards, or even EMI-based services. Step-by-Step: How to Check Your CIBIL Score Using a PAN Card You can check your CIBIL score online in just a few steps: Visit the official CIBIL website – cibil.com Click on "Check Your CIBIL Score" Choose a plan (or continue for the one-time free check) Register with your name, mobile number, email, and date of birth Select “Income Tax ID (PAN)” as the ID type Enter your PAN number Provide all required information Skip the payment step if you’re using the free option Verify using OTP sent to your registered mobile number Your CIBIL score will be displayed on-screen 💡 Note: You can check your score for free only once a year as per RBI guidelines CIBIL Score Range and Their Ratings Score Range Rating 300–500 Poor 550–650 Average 650–750 Good 750–900 Excellent Credit score is issued by four major agencies in India: TransUnion CIBIL Equifax Experian CRIF High Mark Things to Keep in Mind You can only check your CIBIL score for free once per year. Besides PAN, documents like passport, voter ID, or driver’s license may be used—but PAN is the most reliable. If you find errors in your credit report, you can file a dispute online via the CIBIL website or send it by post. Benefits of Linking PAN with CIBIL Linking your PAN with your credit profile ensures: Accurate credit data Elimination of duplicate reports Faster loan processing Better loan offers and interest rates Mandatory for loan applications and income tax filings Importance of Maintaining a Good CIBIL Score Maintaining a healthy CIBIL score increases your chances of: Getting loans approved quickly Receiving lower interest rates Access to higher credit limits Tips to Maintain a Good Score: Pay EMIs and credit card bills on time Keep credit card usage below 30–40% of your limit Avoid applying for multiple loans at once Maintain a healthy mix of secured and unsecured loans Monitor your credit report regularly Frequently Asked Questions (FAQs) Q1. Can I check my CIBIL score without a PAN card?Some platforms may allow it, but PAN is the most widely accepted and reliable ID for credit reports. Q2. Does checking my score affect my credit?No. Checking your own score is considered a soft inquiry and has no impact on your credit score. Q3. How often can I check my CIBIL score for free?Once per year via CIBIL’s official site. Some third-party platforms may allow more frequent checks. Final Thoughts Your CIBIL score is a key factor in your financial journey. Whether you’re applying for a loan, a credit card, or simply managing your credit health — your score plays a vital role. A good score reflects responsible financial behavior and opens doors to better financial opportunities. Explore More with Piramal Finance Visit the Piramal Finance website to learn more about: How to maintain a healthy credit score Financial calculators Affordable loans and financial products Start your credit health journey today!
24-04-2025
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PAN 2.0: The Next-Gen Permanent Account Number (PAN) Card

Introduction The Permanent Account Number (PAN) Card is a crucial document for financial and tax-related transactions in India. With the rapid digitalization of government services, India is set to introduce PAN 2.0, a modernized version of the existing PAN card with enhanced features, better security, and seamless integration with digital platforms. In this blog, we will cover: What is PAN 2.0? How is PAN 2.0 different from the old PAN card? How to apply for PAN 2.0? How to get a new PAN Card 2.0? What is PAN 2.0? PAN 2.0 is the upgraded version of the traditional PAN card, designed to enhance security, usability, and integration with modern digital financial systems. It is being developed by the Income Tax Department of India, incorporating advanced digital features such as real-time verification, enhanced fraud prevention, and improved accessibility. Key Features of PAN 2.0 Digital-First Approach: PAN 2.0 will be issued in a digital format (e-PAN) with an option for a physical card. Real-Time Issuance: Faster application process with instant PAN allotment linked to Aadhaar. Enhanced Security: Uses encrypted QR codes, biometric linking, and AI-driven fraud detection. Seamless Integration: Directly linked with banking, income tax filings, UPI, and digital wallets. AI-Based Verification: Prevents duplicate and fraudulent PAN issuance. How is PAN 2.0 Different from the Existing PAN Card? Feature Existing PAN Card PAN 2.0 Format Physical + e-PAN Primarily Digital (with optional physical card) Issuance Time 7-10 days Instant (if linked to Aadhaar) Security Basic QR Code Encrypted QR, AI verification, biometric-linked Verification Process Manual and time-consuming AI-based, real-time verification Integration Used for taxation Linked to UPI, digital wallets, and financial services Fraud Protection Can be misused or duplicated Advanced fraud detection and encryption PAN 2.0 is not just an identity document but a fully digital financial identity system! How to Apply for PAN 2.0? Applying for PAN 2.0 is expected to be a hassle-free, digital-first process. The Income Tax Department will issue it through online platforms, and Aadhaar-linked applications will be processed instantly. Steps to Apply for PAN 2.0 Online Visit the Official PAN Portal Go to the NSDL (Protean) or UTIITSL website (official PAN service providers). The government may also launch a dedicated PAN 2.0 portal for faster processing. Select ‘Apply for PAN 2.0’ Choose whether you want e-PAN (Digital) or Physical PAN Card + e-PAN. Enter Aadhaar Details Since PAN 2.0 is linked to Aadhaar, users can enter their Aadhaar number for instant authentication. Verify with OTP An OTP (One-Time Password) will be sent to your registered mobile number for Aadhaar verification. Upload Documents (if required) In some cases, you may need to upload a passport-size photo and signature digitally. Payment & Processing Pay a nominal fee (if applicable). For Aadhaar-linked applications, PAN 2.0 will be generated instantly. Download e-PAN (Digital PAN) After successful verification, you can download your PAN 2.0 immediately. If you opted for a physical PAN card, it will be delivered to your address within a few days. How to Get a New PAN Card 2.0? If you already have a PAN card and want to upgrade to PAN 2.0, follow these steps: Upgrade Your Existing PAN to PAN 2.0 Existing PAN holders can update to PAN 2.0 via the official PAN portal. Log in with your PAN and Aadhaar details and complete the upgrade process. Apply for a Duplicate PAN 2.0 (If Lost or Damaged) If your existing PAN is lost, you can apply for a reissue of PAN 2.0 with new security features. Apply for a Completely New PAN 2.0 (For First-Time Users) First-time applicants can follow the online application process mentioned earlier. Conclusion: The Future of PAN 2.0 The introduction of PAN 2.0 is a significant step toward modernizing India’s tax and financial system. With instant issuance, enhanced security, and seamless integration with digital payments, PAN 2.0 will make financial transactions easier and safer. For individuals and businesses, PAN 2.0 will simplify tax filings, banking, and financial transactions. The digital-first approach will help eliminate fraud, duplication, and delays in PAN issuance. Are you ready for the PAN 2.0 revolution? Stay tuned for updates as India rolls out this game-changing upgrade!
28-02-2025
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What is Digital Rupee and How to Get It?

The Digital Rupee, officially known as the Central Bank Digital Currency (CBDC) or e₹, represents a significant leap in India's financial landscape. Issued and regulated by the Reserve Bank of India (RBI), the Digital Rupee is a digital counterpart to the physical currency, designed to facilitate seamless and secure transactions in an increasingly digital economy. Understanding the Digital Rupee The Digital Rupee is a digital form of India's legal tender, mirroring the value and function of traditional banknotes and coins. Unlike decentralized cryptocurrencies such as Bitcoin, the Digital Rupee is centralized and backed by the RBI, ensuring stability and trust. It aims to provide a secure, efficient, and accessible alternative to physical cash, promoting financial inclusion and reducing the reliance on paper currency. Key Features of the Digital Rupee Sovereign Backing: As an official currency issued by the RBI, the Digital Rupee carries the full faith and credit of the Indian government. Digital Wallets: Users can store and manage their Digital Rupee holdings through digital wallets provided by participating banks. These wallets facilitate easy transactions and real-time transfers. Interoperability with UPI: The Digital Rupee is designed to work seamlessly with existing payment systems, including the Unified Payments Interface (UPI), allowing users to make payments using familiar platforms. Programmable Features: The Digital Rupee incorporates programmable capabilities, enabling conditional transactions and smart contracts, which can enhance efficiency in various financial operations. How is the Digital Rupee Different from UPI? While both the Digital Rupee and UPI are integral to India's digital payment ecosystem, they serve distinct roles: Nature of the System: Digital Rupee: A digital form of legal tender issued by the RBI, representing a direct claim on the central bank. UPI: A real-time payment system developed by the National Payments Corporation of India (NPCI) that facilitates inter-bank transactions through a unified interface. Functionality Digital Rupee: Serves as money itself, allowing users to make payments and store value digitally without the need for a bank intermediary. UPI: Acts as a platform enabling the transfer of funds between bank accounts; it does not constitute money but facilitates the movement of money. Transaction Process: Digital Rupee: Transactions involve the transfer of digital currency between wallets, akin to handing over physical cash but in a digital format. UPI: Transactions involve debiting funds from the payer's bank account and crediting them to the payee's bank account, mediated by the UPI platform. Bank Dependency: Digital Rupee: Users can transact without a traditional bank account by using digital wallets. UPI: Requires users to have active bank accounts linked to the UPI platform. Anonymity: Digital Rupee: Offers a degree of anonymity similar to cash transactions, as transfers can occur without disclosing bank account details. UPI: Transactions are traceable, with records maintained by banks and the NPCI. How to Get and Use Digital Rupee? To begin using the Digital Rupee, individuals can follow these steps: Download a Digital Rupee Wallet Participating banks have developed dedicated apps for the Digital Rupee. For instance, ICICI Bank offers the "Digital Rupee by ICICI Bank" app, while HDFC Bank provides the "HDFC Bank Digital Rupee" app. These apps are available on major app stores. Registration After downloading the app, users need to register by selecting the SIM card linked to their bank account, setting up a login PIN or biometric authentication, and linking their bank account to the wallet. Loading the Wallet Users can load their Digital Rupee wallets by transferring funds from their linked bank accounts. The Digital Rupee is available in denominations similar to physical currency, such as ₹1, ₹2, ₹10, ₹20, ₹50, ₹100, and ₹500. Conducting Transactions Person-to-Person (P2P): Users can transfer Digital Rupees to others by entering the recipient's mobile number or scanning their QR code. Person-to-Merchant (P2M): Payments to merchants can be made by scanning the merchant's Digital Rupee QR code. Notably, the Digital Rupee app supports interoperability with existing UPI QR codes, allowing users to make payments at merchants who accept UPI. Redeeming Digital Rupees If users wish to convert their Digital Rupee back into their bank account balance, they can use the 'Redeem' or 'Unload' feature within the wallet app, transferring the digital currency back into their linked bank account. Recent Developments and Adoption Since its pilot launch in December 2022, the Digital Rupee has seen gradual adoption. Initially, only select banks were permitted to offer Digital Rupee services. However, as of April 2024, the RBI expanded access, allowing payment firms to participate in the Digital Rupee ecosystem. Fintech companies like Cred have joined the initiative, aiming to streamline Digital Rupee transactions and boost adoption among users. Despite initial enthusiasm, the usage of the Digital Rupee has faced challenges. Transactions peaked at over a million per day but have since declined, highlighting the need for increased awareness and integration into everyday financial activities. The RBI continues to collaborate with financial institutions and fintech companies to enhance the functionality and appeal of the Digital Rupee. Final Thoughts The Digital Rupee represents a transformative step in India's journey towards a cashless and digitally empowered economy. By introducing a central bank digital currency (CBDC), the Reserve Bank of India (RBI) aims to modernize financial transactions, reduce dependence on physical cash, and promote financial inclusion. Unlike traditional digital payment systems such as UPI, the Digital Rupee acts as a direct replacement for cash, offering users the convenience of digital transactions while maintaining the legal tender status of physical currency.
24-02-2025
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IPL

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IPL Schedule 2025: Everything You Need to Know

The Indian Premier League (IPL) 2025 is set to return with its 18th edition, bringing two months of high-energy T20 cricket. Known as one of the world’s biggest cricket leagues, IPL unites top international and domestic players, thrilling millions of fans globally. This season will feature 10 teams, 74 matches, and intense rivalries, making it one of the most anticipated editions yet. With new player signings, leadership changes, and an exciting match schedule, IPL 2025 is expected to deliver unforgettable moments. IPL 2025 Schedule & Key Dates Start Date: March 22, 2025 End Date: May 25, 2025 Total Matches: 74 Match Timings: 3:30 PM IST (Afternoon), 7:30 PM IST (Evening) This year the IPL tournament will run for two months, ensuring non-stop action for cricket lovers worldwide. IPL 2025 Complete Schedule Match No. Date Day Time (IST) Home Team Away Team Venue 1 Mar 22, 2025 Sat 7:30 PM Kolkata Knight Riders Royal Challengers Bengaluru Kolkata 2 Mar 23, 2025 Sun 3:30 PM Sunrisers Hyderabad Rajasthan Royals Hyderabad 3 Mar 23, 2025 Sun 7:30 PM Chennai Super Kings Mumbai Indians Chennai 4 Mar 24, 2025 Mon 7:30 PM Delhi Capitals Lucknow Super Giants Visakhapatnam 5 Mar 25, 2025 Tue 7:30 PM Gujarat Titans Punjab Kings Ahmedabad 6 Mar 26, 2025 Wed 7:30 PM Rajasthan Royals Kolkata Knight Riders Guwahati 7 Mar 27, 2025 Thu 7:30 PM Sunrisers Hyderabad Lucknow Super Giants Hyderabad 8 Mar 28, 2025 Fri 7:30 PM Chennai Super Kings Royal Challengers Bengaluru Chennai 9 Mar 29, 2025 Sat 7:30 PM Gujarat Titans Mumbai Indians Ahmedabad 10 Mar 30, 2025 Sun 3:30 PM Delhi Capitals Sunrisers Hyderabad Visakhapatnam 11 Mar 30, 2025 Sun 7:30 PM Rajasthan Royals Chennai Super Kings Guwahati 12 Mar 31, 2025 Mon 7:30 PM Mumbai Indians Kolkata Knight Riders Mumbai 13 Apr 1, 2025 Tue 7:30 PM Lucknow Super Giants Punjab Kings Lucknow 14 Apr 2, 2025 Wed 7:30 PM Royal Challengers Bengaluru Gujarat Titans Bengaluru 15 Apr 3, 2025 Thu 7:30 PM Kolkata Knight Riders Sunrisers Hyderabad Kolkata 16 Apr 4, 2025 Fri 7:30 PM Lucknow Super Giants Mumbai Indians Lucknow 17 Apr 5, 2025 Sat 3:30 PM Chennai Super Kings Delhi Capitals Chennai 18 Apr 5, 2025 Sat 7:30 PM Punjab Kings Rajasthan Royals New Chandigarh 19 Apr 6, 2025 Sun 3:30 PM Kolkata Knight Riders Lucknow Super Giants Kolkata 20 Apr 6, 2025 Sun 7:30 PM Sunrisers Hyderabad Gujarat Titans Hyderabad 21 Apr 7, 2025 Mon 7:30 PM Mumbai Indians Royal Challengers Bengaluru Mumbai 22 Apr 8, 2025 Tue 7:30 PM Punjab Kings Chennai Super Kings New Chandigarh 23 Apr 9, 2025 Wed 7:30 PM Gujarat Titans Rajasthan Royals Ahmedabad 24 Apr 10, 2025 Thu 7:30 PM Royal Challengers Bengaluru Delhi Capitals Bengaluru 25 Apr 11, 2025 Fri 7:30 PM Chennai Super Kings Kolkata Knight Riders Chennai 26 Apr 12, 2025 Sat 3:30 PM Lucknow Super Giants Gujarat Titans Lucknow 27 Apr 12, 2025 Sat 7:30 PM Sunrisers Hyderabad Punjab Kings Hyderabad 28 Apr 13, 2025 Sun 3:30 PM Rajasthan Royals Royal Challengers Bengaluru Jaipur 29 Apr 13, 2025 Sun 7:30 PM Delhi Capitals Mumbai Indians Delhi 30 Apr 14, 2025 Mon 7:30 PM Lucknow Super Giants Chennai Super Kings Lucknow 31 Apr 15, 2025 Tue 7:30 PM Punjab Kings Kolkata Knight Riders New Chandigarh 32 Apr 16, 2025 Wed 7:30 PM Delhi Capitals Rajasthan Royals Delhi 33 Apr 17, 2025 Thu 7:30 PM Mumbai Indians Sunrisers Hyderabad Mumbai 34 Apr 18, 2025 Fri 7:30 PM Royal Challengers Bengaluru Punjab Kings Bengaluru 35 Apr 19, 2025 Sat 3:30 PM Gujarat Titans Delhi Capitals Ahmedabad 36 Apr 19, 2025 Sat 7:30 PM Rajasthan Royals Lucknow Super Giants Jaipur 37 Apr 20, 2025 Sun 3:30 PM Punjab Kings Royal Challengers Bengaluru New Chandigarh IPL 2025 First Match The season opener promises fireworks as Kolkata Knight Riders (KKR) take on Royal Challengers Bengaluru (RCB) at the Eden Gardens in Kolkata on March 22, 2025, at 7:30 PM IST. As defending champions, KKR will aim to start strong, while RCB, with a revamped squad, will look to set the tone early. Eden Gardens, known for its electrifying atmosphere, will provide the perfect setting for a thrilling start to the season. Format & Teams in IPL 2025 10 teams divided into two groups Each team plays 14 matches Top four teams qualify for the playoffs This format ensures every match counts, making the league stage fiercely competitive. Participating Teams Chennai Super Kings (CSK) Delhi Capitals (DC) Gujarat Titans (GT) Kolkata Knight Riders (KKR) Lucknow Super Giants (LSG) Mumbai Indians (MI) Punjab Kings (PBKS) Rajasthan Royals (RR) Royal Challengers Bengaluru (RCB) Sunrisers Hyderabad (SRH) These teams will compete for the coveted IPL trophy, with many featuring new players and strategic adjustments. Match Venues IPL 2025 will be hosted across 13 premier stadiums in India, each offering a unique cricketing experience: Eden Gardens, Kolkata (Opening match & Final) Wankhede Stadium, Mumbai MA Chidambaram Stadium, Chennai Narendra Modi Stadium, Ahmedabad M. Chinnaswamy Stadium, Bengaluru Rajiv Gandhi International Stadium, Hyderabad Arun Jaitley Stadium, Delhi Sawai Mansingh Stadium, Jaipur Punjab Cricket Association Stadium, Mohali Bharat Ratna Shri Atal Bihari Vajpayee Stadium, Lucknow Each venue is expected to draw massive crowds, especially for blockbuster matches featuring top rivalries. Key Matches to Watch While every match is important, some fixtures are must-watch clashes: March 23: CSK vs. MI in Chennai – A classic rivalry! March 25: GT vs. PBKS in Ahmedabad – GT looking to dominate at home. April 20: MI vs. CSK in Mumbai – The "El Clasico" of IPL. May 3: RCB vs. CSK in Bengaluru – A highly anticipated showdown. These matchups will be crucial in shaping the playoff race and are expected to attract record viewership. Player Auction & Transfers The IPL 2025 auction witnessed some historic bids and game-changing transfers. Biggest Signings Rishabh Pant was bought by Lucknow Super Giants for a record-breaking ₹26.7 crore, making him the most expensive player of the season. Jofra Archer returned to Rajasthan Royals for ₹12.6 crore, adding firepower to their bowling attack. Vaibhav Suryavanshi, a 13-year-old prodigy from Bihar, became the youngest-ever IPL player, signed by Rajasthan Royals. These signings reflect the teams’ strategies to blend experience with young talent. Changes in Captaincy Several teams have undergone leadership changes, bringing new tactics and team dynamics. Rajat Patidar replaces Faf du Plessis as RCB’s new captain. Faf du Plessis moves to Delhi Capitals, adding experience to their lineup. Rishabh Pant takes charge of Lucknow Super Giants, looking to make an immediate impact. Strong leadership will be crucial in guiding teams through the challenges of the tournament. Why IPL 2025 is Special? New Talents: Rising stars like Vaibhav Suryavanshi bring fresh excitement. Rivalries Intensified: CSK vs. MI, RCB vs. KKR, and other matchups will fuel fan debates. Bigger Crowds: With more stadiums opening to full capacity, the energy will be unmatched. IPL 2025 promises more drama, more records, and more unforgettable moments! How to Buy IPL Tickets? Tickets are available through: Official IPL website Team franchise websites Authorized ticketing partners Pricing Range: General Seating: Starts at ₹500 Premium Seating: ₹5,000 - ₹10,000 VIP & Hospitality Packages: ₹25,000+ Due to high demand, early booking is recommended to avoid missing out on your favorite matches. Final Thoughts With top players, exciting venues, and intense rivalries, IPL 2025 is set to be an unforgettable cricketing spectacle. Whether you're watching from the stadium or tuning in at home, expect high-energy action, last-over thrillers, and unforgettable performances. Mark your calendars, book your tickets, and get ready for the biggest cricket festival of the year!
20-02-2025
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Guide

History of IPL (Indian Premier League)

Start of IPL The Indian Premier League, popularly known as IPL, is a professional Twenty20 cricket league in India that was founded in 2008 by the Board of Control for Cricket in India (BCCI). The IPL has become one of the most popular and lucrative cricket leagues in the world, attracting top players from all over the globe. The inaugural season of the IPL was held in 2008, with eight teams representing different cities in India. The teams were owned by various investors, including Bollywood stars, businessmen, and industrialists. The first IPL match was played on April 18, 2008, between Kolkata Knight Riders, owned by Bollywood Superstar Shahrukh Khan, and Royal Challengers Bangalore at the Chinnaswamy Stadium in Bangalore. The tournament was a huge success, drawing large crowds and generating significant revenue. IPL Over The Years: Over the years, the IPL has evolved into a major sporting event that millions of people worldwide watch. The league has expanded and now has 10 teams. The tournament is played over a period of approximately two months. The teams compete in a round-robin format followed by playoffs, culminating in the IPL final. The IPL has also been a platform for emerging cricket talent in India. Several young players have used the IPL as a springboard to launch their careers, and some have represented the Indian national team. The league has also attracted top international players, such as Chris Gayle, AB de Villiers, and David Warner, Pat Cummins among others. IPL Controversy: However, the IPL has not been without controversy. In 2013, the league was hit by a match-fixing scandal that suspended several players and team officials. The BCCI has since taken measures to tighten its control over the league and prevent any further such incidents. Contribution of IPL for T20 Cricket: Despite the challenges, the IPL remains one of the world’s most watched and celebrated cricket leagues. The league promoted T20 cricket all over the world and helped in enhancing audience engagement in this fast-paced and newly formed format of cricket. The league has been a game-changer in terms of the commercialization of cricket, and it has created a platform for cricket players to showcase their skills and earn lucrative contracts. With each passing season, the IPL continues to push the boundaries of what is possible in the world of cricket, and it remains an important part of India’s sporting landscape. Which Team won the Maximum IPL Titles? Mumbai Indians (MI) and Chennai Super Kings (CSK) have won the maximum number of IPL trophies to date. They have 5 titles in their bag. Which individual Player won the most IPL Titles? Current Mumbai Indians captain Rohit Sharma has won the most significant number of IPL titles to date. He has won 5 titles with his present team MI, and prior to that, he also bagged one title with his previous team Deccan Chargers. IPL Winners to date: Rajasthan Royals are the first-ever winner of the IPL, and Kolkata Knight Riders are the latest addition to the list y wiining IPL trophy for 3rd time in 2024. Let’s have an overview of IPL Winners to date from 2008: Year Winner Runner Up Venue Number of teams Player of the Match 2024 Kolkata Knight Riders Sunrisers Hyderabad Chennai 10 Mitchell Starc 2023 Chennai Super Kings Gujarat Titans Ahmedabad 10 Devon Conway 2022 Gujarat Titans Rajasthan Royals Ahmedabad 10 — 2021 Chennai Super Kings Kolkata Knight Riders Dubai 8 Faf du Plessis 2020 Mumbai Indians Delhi Capitals Dubai 8 Trent Boult 2019 Mumbai Indians Chennai Super Kings Hyderabad 8 Jasprit Bumrah 2018 Chennai Super Kings Sunrisers Hyderabad Mumbai 8 Shane Watson 2017 Mumbai Indians Rising Pune Supergiants Hyderabad 8 Krunal Pandya 2016 Sunrisers Hyderabad Royal Challengers Bangalore Bangalore 8 Ben Cutting 2015 Mumbai Indians Chennai Super Kings Kolkata 8 Rohit Sharma 2014 Kolkata Knight Riders Kings XI Punjab Bangalore 8 Manish Pandey 2013 Mumbai Indians Chennai Super Kings Kolkata 9 Kieron Pollard 2012 Kolkata Knight Riders Chennai Super Kings Chennai 9 Manvinder Bisla 2011 Chennai Super Kings Royal Challengers Bangalore Chennai 10 Murali Vijay 2010 Chennai Super Kings Mumbai Indians Mumbai 8 Suresh Raina 2009 Deccan Chargers Royal Challengers Bangalore Johhanesburg 8 Anil Kumble 2008 Rajasthan Royals Chennai Super Kings Mumbai 8 Yusuf Pathan IPL 2025 Overview The IPL 2025 season will begin on March 22, 2025, with the opening match between Kolkata Knight Riders and Royal Challengers Bengaluru at Eden Gardens, Kolkata. As per the IPL schedule 2025, a total of 74 matches will be played across 13 venues in India, featuring intense competition among 10 teams. The tournament will conclude with the final on May 25, 2025, also at Eden Gardens. Fans can look forward to thrilling matches, star performances, and exciting rivalries as teams battle for the prestigious IPL trophy.
08-11-2023
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Guide

IPL Ticket Price and Online Booking Guide

Booking your IPL 2025 tickets online is now easier than ever. As the excitement builds for the season starting on March 22, 2025, fans can secure their seats through various official and authorized platforms. Here’s a simple guide to help you through the process: How to Book IPL Ticket Online via BookMyShow Website/App: Visit the BookMyShow website or download the mobile app. Account Creation: Sign up or log in to your existing account. Find IPL 2025: Navigate to the 'Sports' section and select 'IPL 2025'. Choose Match: Browse through the list of matches and select the one you wish to attend. Select Seats: Use filters to choose seats based on your budget and preference. Payment: Proceed to payment to confirm your booking. How to Book IPL Tickets Online via Paytm Website/App: Access the Paytm website or mobile app. Account Access: Log in for a personalized experience. Locate IPL Tickets: Go to the 'Events' or 'Sports' section and find 'IPL 2025 Tickets'. Select Match and Seats: Pick your desired match and seats as per availability. Payment: Complete the payment using Paytm Wallet, UPI, or net banking. Book Tickets from the Official Teams Website Royal Challengers Bengaluru: Visit their official site for ticket information. Mumbai Indians: Check their website for updates on ticket sales. IPL Ticket Starting Prices (Stadium Wise): Stadium Name Online Booking Partner Starting Price Narendra Modi Stadium Ahmedabad PayTM insider 400 Wankhede Stadium Mumbai BookMyShow 900 M Chinnswamy Stadium Bengaluru RCB Official Website 2100 Arun Jaitley Stadium Delhi PayTM insider 700 Uppal Stadium Hyderabad PayTM insider 499 Ekana Stadium Lucknow PayTM insider 700 SMS Stadium Jaipur BookMyShow 800 PCA Stadium Mohali PayTM insider 950 Barsapara Stadium Guwahati BookMyShow 1000 IPL Highest Ticket Price: IPL Teams 2023 Highest Ticket Rate Kolkata Knight Riders 26000 Rajasthan Royals 5000 Punjab Kings 8500 Delhi Capitals 18000 Mumbai Indians 9200 Royal Challengers Bangalore 30000 Sunrisers Hyderabad 11719 Lucknow Super Giants 16000 Gujarat Titans 10000 Chennai Super Kings 15000+ If you are an avid cricket lover, you can also go for the Season Pass of your favourite IPL Team. Enjoy IPL! Important Tips: Early Booking: Tickets sell out quickly; it's advisable to book well in advance. Official Sources: Always use official and reputable platforms to avoid counterfeit tickets. Stay Updated: Follow official team websites and the IPL official site for the latest announcements. Enjoy the electrifying atmosphere of IPL 2025 by securing your tickets and cheering for your favorite team live!
08-11-2023
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Guide

IPL 2023 Schedule, Teams, Venues, and More

The world’s most decorated and awaited cricket league is just around the corner. Yes, IPL 2023 will start on March 31, 2023. BCCI (The Board of Control for Cricket in India) officially announced the schedule on February 17, 2023. IPL 2023 Overview: In the 16th Edition of the Indian Premier League, a total of 10 teams will compete again one another in the league format. This year’s tournament will be played in a double round-robin format. Hence, each team will face other teams twice in the league stage, once at the home ground of each team. At the end of the league stage, the top four teams will be qualified for the Playoffs, and two teams will compete in the final for the prestigious trophy. 1st Match of IPL 2023: The opening fixture will be played between defending champion Gujarat Titans and Chennai Super Kings on the Home Ground of Titans, Narendra Modi Stadium, Ahmedabad, on March 31, 2023. Narendra Modi Stadium is the world’s largest cricket stadium; as per sources, it will be houseful for the crackling 1st game. Final of IPL 2023: After numerous games across 12 venues over 52 days, the exciting final game will be played between the top two teams on May 28, 2023, at Narendra Modi Stadium, Gujarat. IPL 2023 Teams List: This time Indian Premier League will feature 10 teams, including previous winners like Mumbai Indians, Kolkata Knight Riders, Chennai Super Kings & Gujarat Giants. Gujarat Titans Mumbai Indians Punjab Kings Delhi Capitals Rajasthan Royal Royal Challengers Bangalore Sunrisers Hyderabad Chennai Super Kings Lucknow Super Giants Kolkata Knight Riders IPL 2023 Complete Match List & Schedule: Dates Home Team Away Team Venue Time 31-Mar-23 Gujarat Titans Chennai Super Kings Ahmedabad 7:30 PM 01-Apr-23 Punjab Kolkata Knight Riders Mohali 3:30 PM 01-Apr-23 Lucknow Super Giants Delhi Capitals Lucknow 7:30 PM 02-Apr-23 Sunrisers Hyderabad Rajasthan Royals Hyderabad 3:30 PM 02-Apr-23 Royal Challengers Bangalore Mumbai Indians Bengaluru 7:30 PM 03-Apr-23 Chennai Super Kings Lucknow Super Giants Chennai 7:30 PM 04-Apr-23 Delhi Capitals Gujarat Titans Delhi 7:30 PM 05-Apr-23 Rajasthan Royals Punjab Kings Guwahati 7:30 PM 06-Apr-23 Kolkata Knight Riders Royal Challengers Bangalore Kolkata 7:30 PM 07-Apr-23 Lucknow Super Giants Sunrisers Hyderabad Lucknow 7:30 PM 08-Apr-23 Rajasthan Royals Delhi Capitals Guwahati 3:30 PM 08-Apr-23 Mumbai Indians Chennai Super Kings Mumbai 7:30 PM 09-Apr-23 Gujarat Titans Kolkata Knight Riders Ahmedabad 3:30 PM 09-Apr-23 Sunrisers Hyderabad Punjab Kings Hyderabad 7:30 PM 10-Apr-23 Royal Challengers Bangalore Lucknow Super Giants Bengaluru 7:30 PM 11-Apr-23 Delhi Capitals Mumbai Indians Delhi 7:30 PM 12-Apr-23 Chennai Super Kings Rajasthan Royals Chennai 7:30 PM 13-Apr-23 Punjab Kings Gujarat Titans Mohali 7:30 PM 14-Apr-23 Kolkata Knight Riders Sunrisers Hyderabad Kolkata 7:30 PM 15-Apr-23 Royal Challengers Bangalore Delhi Capitals Bengaluru 3:30 PM 15-Apr-23 Lucknow Super Giants Punjab Kings Lucknow 7:30 PM 16-Apr-23 Mumbai Indians Kolkata Knight Riders Mumbai 3:30 PM 16-Apr-23 Gujarat Titans Rajasthan Royals Gujarat 7:30 PM 17-Apr-23 Royal Challengers Bangalore Chennai Super Kings Bengaluru 7:30 PM 18-Apr-23 Sunrisers Hyderabad Mumbai Indians Hyderabad 7:30 PM 19-Apr-23 Rajasthan Royals Lucknow Super Giants Jaipur 7:30 PM 20-Apr-23 Punjab Kings Royal Challengers Bangalore Mohali 3:30 PM 20-Apr-23 Delhi Capitals Kolkata Knight Riders Delhi 7:30 PM 21-Apr-23 Chennai Super Kings Sunrisers Hyderabad Chennai 7:30 PM 22-Apr-23 Lucknow Super Giants Gujarat Titans Lucknow 3:30 PM 22-Apr-23 Mumbai Indian Punjab Kings Mumbai 7:30 PM 23-Apr-23 Royal Challengers Bangalore Rajasthan Royals Bengaluru 3:30 PM 23-Apr-23 Kolkata Knight Riders Chennai Super Kings Kolkata 7:30 PM 24-Apr-23 Sunrisers Hyderabad Delhi Capitals Hyderabad 7:30 PM 25-Apr-23 Gujarat Titans Mumbai Indians Ahmedabad 7:30 PM 26-Apr-23 Royal Challengers Bangalore Kolkata Knight Riders Bengaluru 7:30 PM 27-Apr-23 Rajasthan Royals Chennai Super Kings Jaipur 7:30 PM 28-Apr-23 Punjab Kings Lucknow Super Giants Mohali 7:30 PM 29-Apr-23 Kolkata Knight Riders Gujarat Titans Kolkata 3:30 PM 29-Apr-23 Delhi Capitals Sunrisers Hyderabad Delhi 7:30 PM 30-Apr-23 Chennai Super Kings Punjab Kings Chennai 3:30 PM 30-Apr-23 Mumbai Indians Rajasthan Royals Mumbai 7:30 PM 01-May-23 Lucknow Super Giants Royal Challengers Bangalore Lucknow 7:30 PM 02-May-23 Gujarat Titans Delhi Capitals Ahmedabad 7:30 PM 03-May-23 Punjab Kings Mumbai Indians Mohali 7:30 PM 04-May-23 Lucknow Super Giants Chennai Super Kings Lucknow 3:30 PM 04-May-23 Sunrisers Hyderabad Kolkata Knight Riders Hyderabad 7:30 PM 05-May-23 Rajasthan Royals Gujarat Titans Jaipur 7:30 PM 06-May-23 Chennai Super Kings Mumbai Indians Chennai 3:30 PM 06-May-23 Delhi Capitals Royals Challengers Bangalore Delhi 7:30 PM 07-May-23 Gujarat Titans Lucknow Super Giants Ahmedabad 3:30 PM 07-May-23 Rajasthan Royals Sunrisers Hyderabad Jaipur 7:30 PM 08-May-23 Kolkata Knight Riders Punjab Kings Kolkata 7:30 PM 09-May-23 Mumbai Indians Royal Challengers Bangalore Mumbai 7:30 PM 10-May-23 Chennai Super Kings Delhi Capitals Chennai 7:30 PM 11-May-23 Kolkata Knight Riders Rajasthan Royals Kolkata 7:30 PM 12-May-23 Mumbai Indians Gujarat Titans Mumbai 7:30 PM 13-May-23 Sunrisers Hyderabad Lucknow Super Giants Hyderabad 3:30 PM 13-May-23 Delhi Capitals Punjab Kings Delhi 7:30 PM 14-May-23 Rajasthan Royals Royal Challengers Bangalore Jaipur 3:30 PM 14-May-23 Chennai Super Kings Kolkata Knight Riders Chennai 7:30 PM 15-May-23 Gujarat Titans Sunrisers Hyderabad Ahmedabad 7:30 PM 16-May-23 Lucknow Super Giants Mumbai Indians Lucknow 7:30 PM 17-May-23 Punjab Kings Delhi Capitals Dharamshala 7:30 PM 18-May-23 Sunrisers Hyderabad Royal Challengers Bangalore Hyderabad 7:30 PM 19-May-23 Punjab Kings Delhi Capitals Dharamshala 7:30 PM 20-May-23 Delhi Capitals Chennai Super Kings Delhi 3:30 PM 20-May-23 Kolkata Knight Riders Lucknow Super Giants Kolkata 7:30 PM 21-May-23 Mumbai Indians Sunrisers Hyderabad Mumbai 3:30 PM 21-May-23 Royal Challengers Bangalore Gujarat Titans Bengaluru 7:30 PM 28-May-23 TBD (Finalist) TBD (Finalist) Ahmedabad 7:30 PM Sports experts predict that this IPL edition will be full of excitement as a cut-throat competition as all the teams have in-form Indian & Foreign players and experienced coaching staff. Happy IPL Season!
08-11-2023
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