Monday, 30 August 2021

Ways to Lower Your Electricity bill in 2021



Several electrically powered objects can be found all around us. The air conditioner, the fan, the television, the refrigerator, the microwave, the mixer, the grinder, the washing machine, and so on all use energy to make your life easier. Electricity bills account for a large number of our monthly utility bills due to our reliance on electricity.

Exorbitantly costly electricity bills may put a strain on your monthly budget because electricity use is continuous, and we usually fail to regulate it. Any unanticipated rise in a bill can throw your budget off. As a result, keeping track of your electricity usage and, as a result, your monthly bills is vital.

Some Apps From which you can pay and track Electricity bill Payment-

Apps from which you can make Electricity bill Payment

  • Bajaj Finserv
  • Paytm
  • Google Pay

What are some ways to save money on your electric bills?

There are two benefits to aiming to reduce your electricity costs. It saves you money and is beneficial for the environment because power generation is a costly operation that uses a lot of resources. Reduced electricity consumption can also help to preserve our natural resources. Here are some suggestions for lowering your electricity bill –

1) Non-conventional energy sources – Conventional energy sources such as coal, petroleum, natural gas, and nuclear power meet our primary energy needs. Because traditional energy sources are finite and will soon be depleted, humanity must migrate to non-conventional energy sources such as solar, tidal, and hydroelectricity. Because they are abundant and boundless in nature, these sources are more dependable and futuristic.

2) Making use of Solar Energy - The sun is the planet's most powerful source of infinite energy. The only challenging part is putting in place solar-energy-harnessing infrastructure, such as solar panels. India is a tropical country with almost six months of year-round sunshine. If this energy can be captured and stored for later use, we will be able to reduce our reliance on electricity generated from traditional sources dramatically. As a result, solar energy has the potential to save you a significant amount of money on your electricity costs.

3) Energy-Efficient Lighting — Using energy-efficient light bulbs and tubes is one of the many techniques for lowering your electricity expenditure. LED lights, which are more energy-efficient and require less electricity, can help you save a lot of money on your energy bills. Other ideas that might be useful are listed below –

  • ·         When lights aren't in use, turn them off.
  • ·         Ensure that light bulbs and tubes are cleaned on a regular basis to remove dust that causes them to reflect less light.
  • ·         Motion sensors, dimmers, and other devices can be used to save power.
  • ·         Instead of lighting up the entire room, use reading lights or table lamps whenever feasible to utilise only the amount of electricity that is truly required.

4) Air conditioners –

  • ·         Set your air conditioner to 25 degrees Celsius to save money on electricity.
  • ·         You can use wall fans or coolers as a low-cost alternative to air conditioning.
  • ·         Planting plants around your home might assist to naturally cool it and improve airflow.
  • ·         If the room is air-conditioned, close the doors as much as possible.

5) Televisions and computers –

It goes without saying that you should turn off televisions and computers when they are not in use. Put them in sleep mode to save money on energy.

6) Refrigerators –

  • ·         Avoid opening the fridge door frequently, and don't put hot or warm food in the fridge right away. Allow for cooling time before bringing it inside.
  • ·         Make sure there's enough space between the refrigerator and the wall behind it to allow for proper ventilation.

Monday, 23 August 2021

What is the eligibility for the Bajaj Finserv EMI Card?

 



Since the global pandemic, online purchasing has increased at an exponential rate. We have no choice but to carry out the majority of our daily chores indoors because we are all confined to our homes and our mobility is constrained.

When you shop online, you can use a variety of payment methods. You can pay using a credit card, debit card, UPI, net banking, or an EMI card, among other options. The Bajaj Finserv EMI card is one such tool that enables you to pay EMI online and shop more conveniently.

Advantages of the Bajaj Finserv EMI card

The Bajaj EMI Card comes with a number of features that might let you buy for big-ticket items on low-interest EMIs. The following are some of the advantages of the Bajaj EMI card -

No Cost EMI purchases – Using the Bajaj Finserv EMI card, purchase the newest home appliances, gadgets, and smartphones at no cost EMI from the Bajaj EMI store or partner stores.

Flexible EMI repayment - With the Bajaj Finserv EMI card, you can pay your EMIs over a longer period of time. The durations typically range from three to twenty-four months.

Quick online application - The Bajaj Finserv app makes it very simple to apply for an EMI card from Bajaj Finserv. The entire application process is completed online and is completely hassle-free. As a result, you can get your card right away.

Minimum documentation - The Bajaj EMI card does not require a large number of documents. The EMI card can be obtained with just your basic KYC requirements.

Special advantages and offers — With the Bajaj Finserv EMI card, you may take advantage of special offers and discounts at partner stores.

Pre-approved loan — You can acquire the largest amount of pre-approved loan using the Bajaj Finserv EMI card based on your profile.

Eligibility Criteria for Bajaj Finserv EMI Card –

The following are the requirements for applying for a Bajaj Finserv EMI card:

  • ·         You must be a resident citizen of India and be between the ages of 21 and 60.
  • ·         You'll need a steady source of income.
  • ·         You must have a strong credit history with no history of late payments.
  • ·         You must have a savings or current account in India

Documents required to apply for an EMI card –

  • ·         PAN
  • ·         Aadhaar card
  • ·         Cancelled check
  • ·         ECS mandate signed

How can the Bajaj Finserv EMI card be used to shop online?

The Bajaj Finserv EMI card gives you access to some of the best and most exclusive deals from leading brands. If you want to shop online using your EMI card, follow these steps –

  • ·         Go to the partner's website
  • ·         Add the items you want to buy to your cart
  • ·         Enter your valid email address and delivery address
  • ·         Choose EMI as your payment method and then choose "no-cost EMI" Select Bajaj Finserv EMI Network Card from the drop-down menu.
  • ·         Choose the proper repayment period, double-check your information, and then click "purchase."

Best mobile recharge apps with maximum cashback

 



Mobile recharge apps have become quite popular among the masses especially post covid pandemic. As our usual movement outdoors was restricted and we had no option but to stay inside our homes, mobile recharge apps have become the safe haven. Without having you to step out, online mobile recharge apps cater to all your recharge needs.

Online mobile recharge apps have a number of benefits and perks. Of them, winning rewards or cashback is one of the prime attractions for the users. Recharging through an app online is undoubtedly more convenient and easier than actually going to the store and making a recharge transaction. On a recharge app, one can easily recharge for herself/himself or even for distant family and friends.

Which are the best apps for online mobile recharge?

Generally most of the top recharge apps are available for both, android as well as iOS users. All you have to do is install the app on your smartphone, register using your mobile number and OTP authentication and you’re all set!

Bajaj Finserv app – The app launched its recharge and payments feature recently and has quite a good response. It hosts top billers like V!, Jio, Airtel, BSNL etc on its platform. You can recharge for yourself or your contacts anytime, anywhere using the Bajaj Finserv app. You might also stand a chance to win rewards and cashback upon recharging your mobile device using this app. In case you win, cashback vouchers can be redeemed at partner brands while shopping at their stores. The app also hosts a number of partner apps on its platform which help you book flights, hotels, plan trips, etc in advance.

Paytm – Paytm is one of the most popular apps for recharge and bill payments. You can use this app to recharge, pay electricity bills online, make other utility bill payments etc. This app also offers cashback on recharges and bill payments. You can recharge for yourself or any other contact on your device.

PhonePe – PhonePe happens to be an app with greatest reach among the Indian masses. The app hosts several popular billers and operators that are popular across the country. Not just seamless payments and recharges, PhonePe offers a range of partner apps on its platform called the ‘PhonePe Switch’ which enables you to access most of the day to day services on a single platform. This also helps you save storage space on your phone.

Freecharge - Freecharge is one of the oldest entrants in the bill payment apps realm and is also quite popular across the country. You can use this app to avail rewards and discounts coupons which can help you get cashback at partner sites/stores.

Read Also - Types Of Utility Bills Payments With Mobile App

Other Benefits of online mobile recharge apps –

1. You can compare different plans from your service provider and choose the best suitable plan for you.

2. As you compare the plans before opting for them, you exactly know what you’re paying for. This means you get to spend your money wisely.

3. Needless to say, bill payment apps are most convenient to use.

4. You can recharge anytime, anywhere, irrespective of the day and time.

Best prepaid recharge plans

 


Are you looking for mobile operator recharge plans? With this comprehensive list of all prepaid plans for all cell networks and operators, the decision will be made it simple for you. Scrutinize this comprehensive list of all recharge plans to pick the one that best meets your needs. This full list of all recharge programmes includes Airtel, Jio, Vi, and BSNL recharge options. With so many options, you'll be able to find the perfect plan to suit all your needs while also facilitating the perfect combination for internet and data, calling talktime, and SMS messages.

Currently the top 3 telecom companies include Reliance Jio, Airtel, and Vodafone Idea. These network providers offer various prepaid and postpaid recharge plans that offer data benefits, unlimited talktime and SMS benefits. The majority of these plans provide similar benefits at nearly identical pricing. The extra perks are what set these plans apart from one another. Bundled apps, complementary services, double data, and other perks are available to customers who purchase these recharge packs. Recharge your phone online using the finest mobile recharge plans under Rs 400 from Reliance Jio, Airtel, and Vodafone, all of which have a 56-day validity period.

With the latest update on the Bajaj Finserv app, you can complete your prepaid and postpaid mobile recharge of top service providers including Airtel recharge, Jio recharge, vi recharge comfortably from home. The Bajaj Finserv app offers various payment modes including UPI, net banking, credit card, debit card and the digital Bajaj Finserv wallet.

Find below top 3 prepaid plans for you to choose based on your network provider.

·         The Rs 399 prepaid plan from Vodafone-Idea includes 1.5GB of high-speed data every day. Users can make unlimited phone calls and send up to 100 SMS messages per day. Aside from that, Vodafone-Idea gives members an extra 5GB of data for the first 28 days of the package. Furthermore, Vodafone Play service and a complimentary subscription to the Zee5 app are included as extra bonuses.

·        Recharge Jio's Rs 399 prepaid plan online to get 1.5GB of high-speed data per day, unlimited Jio-to-Jio calls, 2000 FUP minutes for off-net calls, and 100 SMSes each day. Access to all Jio apps, including JioMovies, JioSaavn, JioTV, JioChat, and more, is also included. The Jio Rs 399 plan has a 56-day validity period.

·        The Rs 399 Airtel recharge plan has a 56-day validity period and provides 1.5GB of data each day. Users who subscribe to this plan receive 100 free SMS per day and unlimited calling to all networks. Additional perks include free XStream Premium, free Hello Tunes, a free Wynk Music subscription, free Upskill courses, and a Rs 150 cashback when purchasing a FASTag.

You can browse all the above plans and more on the Bajaj Finserv app. Recharging your mobile with the Bajaj Finserv app has its set of advantages. The advantages include:

Quick and easy transactions: Mobile recharge with the Bajaj Finserv app are quick and easy. The various payment means give you the flexibility to pay your chosen method.

Read Also - Pay electricity bills with mobile app


24 X 7 availability: With the advent of internet, mobile recharge apps are available 24x7 for your convenience. You can recharge your mobile anytime and anywhere and never run out of talktime.

Various payment means: You can pay with the various payment means offered by the mobile app including net banking, credit card, debit card, digital wallet and UPI according to your convenience.

The use of online recharging gateways is simple. They help you save both time and money. These days, there are a variety of recharging platforms to choose from. All you have to do is go to the platform and download the app. Following the on-screen instructions for recharging your number with the appropriate amount once you've gained access to your preferred portal, you'll need to follow the on-screen instructions for recharging your number with the appropriate amount.

Thursday, 12 August 2021

Things you should know before applying for a personal loan online

 


For a variety of reasons, obtaining a Personal Loan during a financial emergency can be a reasonable option. To begin with, it is an unsecured loan, which means you do not need to put up any collateral to obtain it. Because no collateral is taken against a Personal Loan, the interest rate can be rather high. It is also easily accessible through lenders after simple verification. However, because to the lengthy process and tight eligibility conditions, applying for it through a bank might be very consuming.

There are a variety of Instant Personal Loan apps available today that have made the process of obtaining funds easier and faster than traditional institutions. In today's fast-paced environment, you may find it difficult to follow up with banks, wait for verifications, and so on. By providing a single platform that caters to practically all of their customers' demands, rapid loan apps have made it quite easy for individuals to apply for Personal Loans.

However, there are a few things to bear in mind before applying for a instant Personal loan online, simply to make sure you don't have a bad loan experience.

1) Identifying a goal – A personal loan has no constraints on what it can be used for. It can be used for anything - travel, education, weddings, home renovations, and so on. As a result, having a clearly defined reason for why you require an instant loan would be beneficial.

2) Calculating the amount required – Whatever the reason for your need for a Personal Loan, you must be confident of the amount required to meet it. Having a preliminary estimate can always assist you in better planning your budget and may assist you in spending the money wisely.

3) Understanding your Credit Health Report - Your CIBIL score is an important factor that is considered before your loan is approved. It's critical to review your Credit Health Report and make improvements when necessary. To acquire a quick approval for your instant personal loan, you'll need a score of 750 or above.

4) Managing your current financial situation – Your salary is spent on a variety of items. After you've met your essential needs, make sure you have enough money left over to pay an EMI. Only with careful planning can you ensure that you will be able to pay your Personal Loan EMIs on time. An unstable budget might wreak much more havoc.

Read Also - How you can save money via a personal loan

4) Calculate ahead of time — Most Personal Loan apps feature EMI calculators on their platform that may help you estimate your loan's EMI, interest rate, and term. As a result, receive a general estimate ahead of time. This will give you a better idea of how much you'll have to pay in EMIs in the future. It will also tell you whether or not it is expensive.

5) Documentation – To get your Personal Loan approved quickly, you must have all of the documentation that your lender requires ready to be provided. Obtain a complete list of paperwork from your lender ahead of time and gather all of the items listed in one location for your convenience. In general, you'll need your KYC, ID documents, and evidence of income, among other things.

6) Consider a Flexi Personal Loan – A Flexi Personal Loan is a relatively new concept in the market that is fast gaining traction. This is when you are offered a credit line based on the strength of your credit report. You can take out as much money as you need from this line of credit. Only the amount you have utilised from the sanctioned credit limit will be charged interest.

 

What are the consumer benefits of mobile payments?



We need to make several bill payments monthly in compensation for the utilities that we put to use. These are recurring monthly payments and are not optional as they are charged for some essential utilities that are inseparable part of our lives. We have to make bill payments for several utilities like electricity, water, LPG, Broadband etc. 

There are numerous benefits of mobile bill payments. They are as follows – 

Secure payments

Convenient

Online management

Payment Reminders

Cashback 

1. Secure Payments – 

Online bill payment apps are completely safe and secure modes of payment. Due to lesser technical awareness, people might be a little sceptical about the online method of bill payment. But in reality, it is the most safe and easy way of paying for your utilities like electricity bill, water bill etc. In case there is any issue with your bill payment, you can get redressal of your issue right on the app platform through virtual assistants or get in touch with the customer service quickly. 

2. Convenient – 

What makes online electricity bill payment convenient? The ability to pay it anytime, anywhere, without having to stand in line and wait for your turn like in olden days. Online electricity bill payment apps are a very convenient modes of paying your monthly bills. Post pandemic, as all of us are forced to carry out day to day activities indoors, this method of bill payments handy and is very helpful. 

3. Online Management – 

Another very big advantage of online electricity bill payment apps is that you can manage everything related to your bill payments online very easily. It completely eliminates any kind of paperwork and makes your life hassle-free. You can view, download and share payment receipts very easily online and track your transaction history in just a few clicks. 

Read Also - 6 Reasons why you should pay bills online

4. Payment Reminders – 

It might have happened a number of times that you missed paying certain utility bills before the due the date. Online electricity bill payment apps remind you of upcoming bill payments so that you pay your bills on time and do not incur any late fee. Some billers might charge you with late fees if not paid in time. This can pile up the amount and throw your budget out of balance. If you need to stick to your budget, you must be very disciplined with your monthly bill payments. 

5. Cashback – 

This might be the best advantage of paying your utility bills online. Imagine getting rewarded with cashback for paying bills! You can win redeemable vouchers which can be used to shop at the partner brands of the bill payment app which you are using. This benefit helps you save some money and makes bill payment a little bit exciting! 


How to recharge DTH Online?

 


As the world is moving closer and closer to be a superior tech savvy place, our day to day lives have been altered drastically in many ways. We have come a long way if we compare the journey of our past. Additionally, the covid pandemic has had a lasting impact on the way we lead our lives -shopping, recharge, bill payments etc.

Have you taken a moment to think? How we used to go to a local retailer for all kinds of recharges? It was a great hassle to for us to do offline recharges. But what is the condition now? Today our lives have become much simpler and easier. Thanks to mobile recharge app, we do not have to go through the struggle of offline recharges.

Benefits of online mobile recharge and DTH recharge –

Transacting online on the mobile applications for recharges has several benefits as listed below –

Hassle-free recharge –

The process of recharging mobile online is easy and quick. You can complete the recharge process in only a few steps. It does not take more than a minute to complete your online recharge.

Flexible amount of recharge –

Recharge apps allow you to recharge for variable amount for recharge. You are not restricted to any one particular amount for recharge. You can choose a plan of amount which is convenient, suitable and affordable for you.

Round the clock availability –

The mobile applications are available for you at all times of the day, 24 x 7 even on holidays. This any time availability of mobile recharge apps has made them quite popular.

Rewards –

Another great benefit of recharging online is that you get rewarded for using the app to recharge your DTH Subscriptions. You can also win rewards and cashback on mobile recharge.

Which recharge app is the best for online DTH recharge?

The Bajaj Finserv app is the best mobile recharge application for online DTH recharge. You have multiple popular DTH service providers like Tata Sky, Airtel DTH, Dish TV, Sun Direct TV and Videocon D2H.

Read Also - Benefits and Reasons Why People Recharge Their Mobile Phone Online

How to recharge your DTH connection online?

Recharging your DTH or Dish TV online is very easy. You can simply complete your recharge online using mobile recharge applications in just a few clicks. Here is how you can recharge your DTH using the Bajaj Finserv app –

1. On the homepage, go to the ‘Pay Bills & Recharge’ section on the top.

2. Click on the ‘DTH’ icon from the top panel.

3. Select your DTH service provider from the list given on your screen.

4. Enter the customer ID for which you want to recharge.

5. Enter the appropriate recharge amount.

6. Click on ‘Proceed to Pay’ at the bottom of the page.

7. Select the method of payment of your choice and complete the transaction.

8. You will receive a notification for successful recharge.

In this way you can very easily recharge for your DTH subscription and mobile too. This is an extremely convenient method off recharge which can help you save time and renew your subscription on the go anytime, anywhere!