Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 How to Spend your Diwali Bonus wisely
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 15.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    13% - 21% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.65% - 11.65% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time : Within 30 minutes
    Guarantor Required Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.75% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    How to Spend your Diwali Bonus wisely is Rated as "Great!" by 81287 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.

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