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 95377 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

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      "Good service"
      0.5 4.0/5 "Great!"
      I have been using the Bank Bazaar platform for a while. The experience was good, everything was good. I never faced any problems with their services, the website is user friendly, it is easy to access. And the whole application process was easy and hassle free. Overall it has been a smooth experience with the Bank Bazaar platform.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my personal loan with Early salary recently,the loan amount they have given me was less i had expected more, and the rate of interest they have charged me was up to 600 and they have not charged any processing fee ,till now i did not face any difficulty.
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      , mumbai
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Best card"
      0.5 4.0/5 "Great!"
      I have been using bank bazaar service for first time,i came to know about bank bazaar service through on line, i have been using website it is easy to access,there customer service where prompt they explained me about the loan which i have applied recently.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my personal loan with Early salary recently,the loan amount they have given me was sufficient, the rate of interest they have charged me was nominal and the processing fee they have charge me was nominal too, and there was no issue till now i had been faced.
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      , mumbai
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Outstanding"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan with the help of bank bazaar. This is my first time and came to know about the website through online. The customer service and response was good. The process is excellent and it was easy to do comparison. I have used the website, its user friendly.
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      , new delhi
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The service is good but the loan value is very less which needs to be increased. The rate of interest is good with Early Salary. I have taken only 9K and they didn't charge anything. It was quick and immediate service. I have submitted the documents online.
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      , new delhi
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about bank bazaar service through my friend as he had referred me about this service,have been using website for applying my personal loan and after that i had downloaded mobile application for tracking my details.
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      , bangalore
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan with Early salary recently,the loan amount was sufficient for me, they have give me loan amount by calculating my salary, the rate of interest was nominal they have charged like if i clear today then my rate of interest will be less tomorrow, they have not charged processing fee.
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      , bangalore
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Good and faster experience"
      0.5 5.0/5 "Blown Away!"
      Best about the bankbazaar providing the services on time to the customer. Customer care service of bankbazaar is really fine. From last 3 months i'm utilizing the services and i have come to know about this website through Internet. The waiting time has to be improved in the customer care services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about bank bazaar service through on line, and there service is accurate and clear and there customer service where prompt they explained me about the loan which i have applied recently, i have been using website it is easy to access.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan with Early salary recently,the loan amount they have given me was sufficient they have given up to 12,000, and the rate of interest they have showed 850 but while time of payment they have cut 12,400 and 350 rupees balance left,so it was kind of confusion i have got, apart from that i did not face any issue in delay in loan or in documentation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan with Early salary recently,the loan amount they have given me was sufficient they have given up to 12,000, and the rate of interest they have showed 850 but while time of payment they have cut 12,400 and 350 rupees balance left,so it was kind of confusion i have got, apart from that i did not face any issue in delay in loan or in documentation.
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      , bangalore
      Reviewed on Nov 15, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It has been a good experience i had with the services of them. The loan amount which they had provided has been satisfactory and the interest rate with them has been nominal when compared with the market rate. There has been some charges which they had made initially for the processing fees.
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      , chennai
      Reviewed on Nov 15, 2018
    • HDFC Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
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      , pune
      Reviewed on Nov 15, 2018
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan with ICICI bank, they have provided Excellent service, like i did not face any difficulty in documentation part they have given me loan amount up to 45,000, and they have charged rate of interest up to 14% it is nominal for me and they have charged processing fee up nominal even they said took charges for insurance from loan up to 5000, there service was good.
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      , pune
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been using BANK BAZAAR for while .Customer service was good and their response was on time. The website of bank bazaar is user friendly to use and is easy to navigate. The services provided by bank bazaar is good when compared to others in the market.
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      , hosur
      Reviewed on Nov 15, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI BANK , i got preclosere option with this bank , I ma not happy with the process it took much time to dispose the loan . They gave 5year of tenure period . They charge nominal interest rate but processing was too high with this bank .
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      , hosur
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using BANK BAZAAR for while .The customer support response was very prompt . I bought a credit card from Bank Bazaar. The whole application process was easy and hassle free. BANK BAZAAR has been having a good user interface. I am very much happy with the website.
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      , hyderabad
      Reviewed on Nov 15, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with TATA CAPITAL , there were no hidden charges with this bank . They did not charge any processing fee and i got my loan on time . The loan amount which i got through this bank is satisfactory .I did not got nay paper work they said they will send on mail but not yet receive .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service for first time, i came to know about bank bazaar service through on line, have been using website for applying my personal loan and after that i had downloaded mobile application for tracking my details.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
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