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  • How to Spend your Diwali Bonus wisely is Rated as "Great!" by 90387 Users
    Personal Loan BYTES FROM OUR KITCHEN

    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

    • Axis Bank Personal Loan
      "Good Foreclosure option"
      0.5 3.0/5 "Satisfactory"
      I have personal loan with axis, I am yet to close it. I have to pay monthly EMI around Rs. 5000 I do have other commitment. Hence though I close the loan but there is no preclosure charges. I took amt of Rs. 1 lakh I paid around Rs. 58,000 remaining I can pay any time and close it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • Axis Bank Personal Loan
      "Average Personal Loan service"
      0.5 3.0/5 "Satisfactory"
      AXIS Bank I have taken Personal Loan with the expected Rate Of Interest and the Loan amount which I have been expected was given,approved on time ,the customer service is good clearly informed about the loan details fully when to pay the amount compared to other banks the rate of interest in affordable,no issues with the amount which is debited from the account only draw back is On line service for axis bank is not up to the level since for the payment we have to get it touch with the main branch of this bank that is the only inconvenience Rather than that Axis bank service is good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 20, 2018
    • HDFC Bank Personal Loan
      "Satisfied"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a personal loan and it was a convenient process. The customer services and response is good and the document process was on time too. The interest rate and processing charges was also normal. The after loan services is also good.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 20, 2018
    • HDFC Bank Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      Around a year ago, I have got the personal loan from the HDFC bank. The customer support service is good with the HDFC bank, They have approved my required loan amount. The HDFC bank executives came to my place to collect the documents on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • IndusInd Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It is a decent service from Induisind personal loan department. They offer me with 11.99 % of rate of interest which is fine for me. The customer service is good with Indusind and the staffs are good. It was been one year I taken the service from Indusind personal loan department. It is a good experience with Indusind personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Below average"
      0.5 1.0/5 "Really Bad"
      I have a personal loan from Icici,the service is good with Icici. The rate of interest is 11.29 in the initial stage but they increase it to 11.99 which is high. The documents procedure has been smooth. The staffs are friendly in approach. It has been two months since, I have taken the service. As my company is not listed according to the bank criteria the amount they offered me is less, the service from Icici personal loan team is not as I expected.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a personal loan from ICICI during the year 2006. The customer support is good with ICICI. I used to visit the branch directly it is good and staffs are friendly. The documents have been collected from my door step. It is an average service that I received from ICICI personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Standard Chartered Bank Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      The rate of interest is 11.25 % which is good. But I am disappointed that there is no pre closer option and no proper response from Standard personal loan department. I was unable to check my details,it is average service from Standard personal loan department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my loan via BANK BAZAAR . The customer service and responses was good . The website was user friendly and easy to navigate . I have not faced any run time or down time error while using it . My overall experience was excellent and its recommendable ,
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have my personal loan with TATA CAPITAL. The loan amount was 5 lakhs and the Interest rate was 11.95 which is average in the market . The tenure period was 3 years . The loan process was very good but I have submitted lot of physical documents. I have spent a lot of time on the documentation part . There is no processing fee too.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Smooth"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR is a good platform for all the financial products. I have applied through their website which is amazing . The options on banks and Interest rate was very good. I have not faced any issues with the service here so far so I would like to recommend to others.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with TATA CAPITAL. The loan amount was 12 lakhs and the Interest rate was 11.99% which is avergae in the market. The customer service and responses was great. The loan process was very smooth and good. They provided door step service for collecting documents. The loan was not only approved on time but also deposited the amount directly to my account on the same day the loan was approved.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • Standard Chartered Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My personal loan was taken with STANDARD CHARTER bank 3 years back . The loan mount was 60,000 and the Interest rate was satisfactory . The customer service and responses was really up to the mark. They have provide door step service for collecting document . My overall experience was good.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my loan via BANK BAZAAR. The customer service and responsiveness was really good . The website was very easy to navigate and user friendly so I would like to recommend to others. I have not faced any issues with the service here . My overall experience was excellent.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 20, 2018
    • Kotak Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with KOTAK Bank. The loan amount was 1 lakh and The Interest rate was 10.99% which is average in the market.The tenure period was 2 years .The loan process was smooth and hassle free . My overall experience was good and its recommendable.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      My loan was taken via BANK BAZAAR . The customer service and responses was up to the mark. I have approached for the first time. The website is user friendly and easy to navigate .My overall experience was better and its recommendable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • Kotak Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have my personal loan with KOTAK bank. The loan amount was 1 lakh and the Interest rate was 12.85% which is average in the market . The tenure period was 2 years . The loan process was very good and smooth. They have sanctioned the loan with the committed time. My experience was good and its recommendable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR is a good platform for all the financial products . The customer service and responses was really amazing . Their website is very easy to navigate and Informative . have tried using the tools like EMI calculator and credits credit score.My overall experience was excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Citibank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with CITI bank. The loan amount was 1.5 lakhs and the Interest rate was 10-11% which is average . The tenure period was 1 year. The loan process was very good and the processing fee was also nominal. My overall experience was excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "User friendly"
      0.5 5.0/5 "Blown Away!"
      I took my personal loan through bankbazaar.com. It was a good experience. The response time was very less and they coordinated well. They called me immediately. I came to know about the website through internet and friend's recommendation. The website was quite easy to access.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
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