Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • How to Spend your Diwali Bonus wisely is Rated as "Great!" by 87620 Users

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    How to Spend your Diwali Bonus wisely

    How to spend your Diwali Bonus wisely – Check in 5 Simple Steps

    Diwali is an auspicious occasion for most of us. As it is the season for shopping and gifts, receiving additional money in the form of Diwali bonus from your organisation can be a boon in disguise. Usually the bonus is spent on impulsive purchases in the spirit of the festival. We tend to put aside our liabilities and focus on spending the extra amount on the festivities. However, there are certain ways you can spend your Diwali bonus wisely! Listed below are some of the tips you can use to best utilize your Diwali Bonus:

    Clear Liabilities:

    Most of us have one or two liabilities on our shoulders, either in the form of a home loan or car loan, or it could be a personal loan. When managing your finances, clearing your liabilities should be our first priority and should be taken care of, at the first opportunity. A Diwali bonus, usually, comes in the form of a lump-sum amount. This amount can be used to pay off your loans. It may be assumed that continuing with liabilities and investing this amount instead, could be more beneficial. However, starting new investments could prove more costly than paying off your loans.

    Make Investments:

    Bonus money can be considered to be a wise option for making long-term investments. If you are unable to save from your monthly earning, you can keep aside the additional bonuses for investing in appropriate assets in order to achieve your financial goal. You can either invest the entire bonus amount or invest a part of it, depending on your plan.

    Create Emergency Funds:

    You can use your regular income to plan your expenses and treat your Diwali bonus as an emergency fund. As this is a lump-sum amount received on top of your monthly salary, you can use it for opening a short-term fixed deposit or direct it towards debt mutual funds. If your liabilities such as personal loans, car loans, and home loans, are taken care of, you can prepare for contingencies.

    Buy Insurance:

    If you do not already have enough insurance for health, or lifetime, use the additional bonus to take insurance. You may be postponing the decision of taking up life or health insurance for you or your family, owing to dearth of funds. However, instead of spending away your Diwali bonus impulsively, take a sensible decision and get yourself adequately insured.

    Make Tax Saving Investments:

    If you are unable to make those investments that you had planned to provide as proof of tax savings to your employer, a Diwali bonus can come to your rescue. By doing so, you can save that tax cut from your salary, maintaining the balance in the monthly household expenses.

    Once you have used your Diwali bonus efficiently to handle your finances and fix the loopholes, you can also indulge in some shopping. After all, a Diwali bonus is a bonus meant for Diwali expenses. Ensure you are clear about your wants and needs when you spend your bonus. Create a balance so that you bring your finances on track as well as treat your friends and family well on this auspicious occasion of Diwali.

    Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Digital Lending"
      0.5 4.0/5 "Great!"
      I had a good experience with bank bazaar. People are very professional and nice response as well. Nice Website and Good Service! Its complete digital world of lending....Next generation of banking..Thanking You...You guys are doing good work!
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Nice and easy"
      0.5 5.0/5 "Blown Away!"
      It's very necessary to apply loan in these days ..and we all know banks and timings it costs thanks to you for keeping it simple and easy I would love to avail loa n and credit card through you guys as you guys are professional ..you guys saved my time to go to bank
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "good"
      0.5 4.5/5 "Excellent!"
      Bankbazaar has done a good job for me by contacting me on time and they also processed the details of the customer to the bank on time. There were follow up calls from time to time. The website is good and very much helpful because I could get a view of all the banks.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • Corporation Bank Personal Loan
      "Good. Can be more clear in the payments"
      0.5 4.0/5 "Great!"
      The process to get the personal loan from Corporation bank was good. I being a salary account holder of this bank. They have provided the loan of ten months of my basic salary. Though I have made my payment every month on the said due date the bank says that I have 28 late payments.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "Need some transparency on the loan process"
      0.5 3.0/5 "Satisfactory"
      I have requested the tenure of two years for the personal loan, but axis bank have sanctioned the loan for the tenure of five years. Hence I am not happy with their loan period, even interest rate is higher they gave 10.99% but other banks are offfering 10.5% of interest, it has to be reduced.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      It was a personal loan I have taken with axis the customer service was very good they offered me a interest rate of 18.5 which was high compare to other banks in the market the customer service was fine and the documents part was easy they collected all my documents from my door step it was a average service from axis for my personal loan service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 23, 2017
    • Axis Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Through my axis credit card I got a personal loan offer from axis the documents part was easy they dont needed with much documents as I already have credit card with axis the verification part was easy and the interest rate and charges was fine it was a good experience with axis credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 23, 2017
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with hdfc for my personal loan service the process was very fast with hdfc they took only ten days to process the loan process they offered me a interest rate of 10.75 which was comfortable for me and the documents part was easy it was a awesome service from hdfc for my personal loan service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 23, 2017
    • HDFC Bank Personal Loan
      "Need Improvement"
      0.5 3.0/5 "Satisfactory"
      The response was not up to the mark with the HDFC bank personal loan service. The information which they gave is not true and the response part need to be improved with HDFC bank. I got the personal loan with HDFC bank around 2 years ago. I have got the required loan amount and the rate of interest is high when compared with other banks.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 23, 2017
    • Karnataka Bank Personal Loan
      "Very Good bank"
      0.5 5.0/5 "Blown Away!"
      I am having the personal loan with the Karnataka bank and the interest rate is around 12% per annum. I would like to say that the customer service is very good one with the Karnataka bank and I have not faced any issues with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • SBI Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan from SBI and it was a quite a good loan experience. The loan amount was for Rs 3 lakhs with the rate of interest of 14.00% which is high when compared to all other banks. The process was quite long and it took 1 month for the loan to get approved. Customer service was good and they responded on time.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 23, 2017
    • Citibank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had closed my personal loan with Citi Bank. The interest rate was high but service wise they are pretty good. They provided a door step service for document collection. They do charge for pre closure. They have sanctioned the loan on time.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      Bankbazaar.com is working in good way and the response is good. I came to know about it through internet search. I am happy with the Bankbazaar.com and I have not faced any hiccups with them till now. Online sources are really good one with the Bankbazaar.com.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 23, 2017
    • ICICI Bank Personal Loan
      "Better"
      0.5 3.0/5 "Satisfactory"
      Customer service is okay one with the ICICI bank and the response is good one for the personal loan. The loan amount got disbursed within four days of time, also the services are better one with the ICICI bank and I have not faced any issues with them.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      Bankbazaar.com is fine one and am using it form the last six months of time. I would like to say that the customer service is good one with them and the website is easy to access. I have not faced any issues with them till now.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 23, 2017
    • ICICI Bank Personal Loan
      "Average"
      0.5 1.0/5 "Really Bad"
      Customer service and other things are quite good one for me with the ICICI bank and the response is fine one. I would like to say that the rate of interest is fine one with the ICICI bank, also I have not faced any hiccups on it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Bankbazaar"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is good & helping the customer in all the ways, they always help the customers in resolving the problems and extra thanks for bank bazaar all is well it was good experience to use both mobile app. Bank bazaar is good responsible. Customer services is very good, I love bank bazaar and I would request all my friends to use this site bankbazaar.com.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Wonderful"
      0.5 4.0/5 "Great!"
      Bankbazaar.com is good and I would like to say that the website is easy to access, also its good too. I am happy with the Bankbazaar.com, also the website is really easy to access. Service aspects are really better one for me with them.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Application "
      0.5 5.0/5 "Blown Away!"
      Good to do it even on an mobile. I am glad it will be helpful for working professionals. The process goes step by step which makes the client aware of the list of providers which was a surprise. The bank options are good also the EMI amount and the rate of interest is very much attractive.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 23, 2017
    • Bank Bazaar Personal Loan
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Very good customer service and good guidelines from your customer support executive in process of loan. Online bankbazaar application is very good and smoothly going to process the testimonials. 3 times I had applied for the personal loan.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
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