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 94136 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
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been a very good experience i had with them and i had recently started using the services of them. I had been using the website of them and it has been easy in using it. Their customer support also had been good as well where there has been a good response which they had made so far.
      Was this review helpful? 3
      , new delhi
      Reviewed on Sep 17, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process in getting this loan has been smooth and easy. The loan amount which they had provided had been less than i expected, but the interest rate with them had been good. There has not been any hassle faced with the services of them. Their customer support and their staff responses also had been good as well.
      Was this review helpful? 2
      , new delhi
      Reviewed on Sep 17, 2018
    • Axis Bank Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been a very good experience i had with this loan and the loan amount which they had provided also had been good as well, but the interest rate had been on the higher end when compared with the market rate. Their customer support also had been responsive as well and there has not been any hassle faced with them so far.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 17, 2018
    • Bank Bazaar Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been a good experience i had with Bank Bazaar and i had been using the services of them for the last 4-5 months. I had been using the mobile application as well as the website of them and both had been easy in using it. Their customer support also had been good as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 17, 2018
    • Kotak Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting this loan had taken almost three to four days and the process had been easy. The loan amount which they had provided has been satisfactory and the interest rate also been good as well. There has not been any charges which they had been charged also had been good when compared with the market rate.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 17, 2018
    • HDFC Bank Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been a good experience in getting this personal loan and the loan amount which they had provided also had been satisfactory. The interest rate with them has been a little higher when compared with the market rate. There has not been any charges which they had taken on processing and their customer support had been good.
      Was this review helpful? 4
      , bangalore
      Reviewed on Sep 17, 2018
    • HDFC Bank Personal Loan
      "Not satisfied with the service"
      0.5 1.0/5 "Really Bad"
      The experience i had with them has not been satisfactory and the process has been good in getting the loan. There has been some small issues when i was trying to close it before the tenure period where there was no option for a pre closure. The interest rate has been quite nominal with them and the loan amount was okay.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 17, 2018
    • review Personal Loan
      "Good finacial service with high rate of intrest "
      0.5 4.0/5 "Great!"
      I have taken personal loan from Bajaj fin serv , Am not satisfied with the rate of interest of 19%which is high. Where there is processing fees of Rs 8000 They took time for approval and documentation. Their customer executive explained the term and condition before taking the loan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been using the Bank Bazaar services for a while. It was good, I am using the mobile application it is really easy uses. Customer support is good , they helped me very well throughout the process . This was my first experience with bank bazaar and it is too good .
      Was this review helpful? 1
      , lucknow
      Reviewed on Sep 16, 2018
    • IndusInd Bank Personal Loan
      "good "
      0.5 2.0/5 "Expected more"
      I got my personal loan through INDUSIND BANK , the loan process was too slow and even initially they said everything will be online but they personally visit to check the documents , it took 25days to receive the loan . They provide 300000 of loan and it is sufficient , there is no processing fee with this bank .
      Was this review helpful? 1
      , lucknow
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using BANK BAZAAR services for while , i came to know about this service through online . The customer support follow up was also good during the application. Bank Bazaar makes it easier to compare and choose various banking products online. .
      Was this review helpful? 3
      , mumbai
      Reviewed on Sep 16, 2018
    • Incred Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have take my personal loan with INCRED INSTITUTION , the tenure period is 36 months and rate of interest is too high 28% so i am not happy with that . I did not face issue at the time of getting loan . The processing fee is 5000 and loan amount is 110000 and it is sufficient to me .
      Was this review helpful? 2
      , mumbai
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "good service"
      0.5 5.0/5 "Blown Away!"
      I have been using the Bank Bazaar services for a while. For the first time i have taken i have taken financial product through bank bazaar . The best part is the process of getting loan was to quick . Bank bazaar needs to filter the list suggested to the customers based on the requirements as per customer needs.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2018
    • HDFC Bank Personal Loan
      "good service"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDFC BANK , the processing fee is 8000 and it is too high , there is no preclosere option with this bank . Rate of interest is 17.5% and it is not nominal in the market . Customer support and their response is good , i got my loan soon , there is no issue with this bank .
      Was this review helpful? 2
      , chennai
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using the Bank Bazaar services for a while. The best part is customer support there peoples are very cooperative , i receive too many calls from them just to get my work done , they are very helpful . Mobile application and website were easy to use and very user friendly .
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 16, 2018
    • ICICI Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      My personal loan was taken with ICICI BANK , i have bitter experience with this bank , the customer support attitude not good with this bank . Initially they said 12.9% of interest rate but later they charge 14% so it is very disappointing part . Loan amount is 1.5 lakh and it is sufficient to me .
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 16, 2018
    • review Personal Loan
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      My personal loan was taken with BAJAJ FINANCE , the tenure period is 3year . Customer support is good they respond on time and the process of getting loan is very smooth and quick , i did not face any issues at the time of documentation . Loan amount is 60000 and it is sufficient to me .
      Was this review helpful? 1
      , nellore
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I have been using BANK BAZAAR for many months . The best part of this website is their representative is good and attentive , everything was explain step by step and clearly , and even their follow up is outstanding . I came to know about this website through advertisement .
      Was this review helpful? 1
      , nellore
      Reviewed on Sep 16, 2018
    • Fullerton Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with FULLETRON INSTITUTION , i am happy with this bank , they provide within 15 days my loan amount . They charge 11% of interest rate and tenure period is 3year . They provide 120000 of loan but i got 99000 after deducting . I use to pay 5500 of EMI.
      Was this review helpful? 0
      , nellore
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "good service"
      0.5 4.0/5 "Great!"
      I've been using the Bank Bazaar services for a while. I have applied for a personal loan via Bank bazaar. The customer support follow up was also good during the application. Bank Bazaar makes it easier to compare and choose various banking products online.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2018
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