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What is Jio Coin ? Reliance Jiocoin Plans Crypto JioCoin. Jio Coin Blockchain


Reliance Jio Coin Plan.
Various reports across the media suggest Reliance Jio is planning to launch its own blockchain – JioCoin. The Jio Coin Project is supposedly going to be led by Mukesh Ambani’s eldest son, Akash Ambani.
According to various media reports, 50 young professionals around the age of 25 years will be hired to work on the project.

What is Jio Coin?
At this stage, not much is known about the true application of JioCoin. While some reports seem to suggest it will be used as a currency – similar to Bitcoin, other reports suggest that that isn’t the case.

Instead, the blockchain technology may be used for applications in supply chain management, smart contracts, and so on. If JioCoin does come in for this, it seems its use will be limited to use within the company.

What is Jio Coin Blockchain?
Jio Coin Blockchain is simply a digital ledger.

Imagine a register. So many things can be written in a register. But if many people had many registers recording the same information, it would be very hard to tamper the records – thus making the records very safe.

This is essentially what Jio Coin blockchain is.

The use of Jio Coin blockchain technology is not solely limited to financial use.

Jio coin Blockchain is the technology that cryptocurrencies use. That does not mean Jio Coin blockchain is only for cryptocurrencies.

Wherever there is a chance of manipulation or tampering of records, Jio Coin blockchain can help.

For example, Jio Coin blockchain could be used for storing records in a hospital, in offices, in factories, and so on.

We do not know what JioCoin will exactly do but if it is meant to be used internally for smart contracts or supply chain management, then it will also be called a non-finance application of blockchain.

Crptocurrencies

With the recent S. Korea’s announcing of crack down on Bitcoin, Bitcoin, Ethereum, Ripple, and other cryptocurrency prices crashed by big margins.

Top 10 Banks in India | Money Controal | Top Banks In India  

It’s not any hidden fact that banks have become an important part of our life. We just can’t imagine the life without banks. If you want to save your hard-earned money, then you can’t find any better option than bank. Come on, what can be better than the fact that in banks, your money is completely secure and you earn interest on your saved money.
Along with the saving money, the bank loans are nothing less than a boon for us. We can take loans to get the things that we desire to get. No need to compromise at all. All the plus points of bank are the reasons why banking sector is following the up curve rapidly.
Talking about the Indian banking sector, one has got many options to choose from. The interest rate that you get on your saved money, the interest rate that you need to pay on your loan amount, varies from one bank to another. If you are living in India, then you must be curious to know about top banks available for you, right?
Here is the list of top Banks in India

1. State Bank of India

State Bank of India was established in July, 1955 with the intention to provide top-notch banking services to people living in India.
With more than 16,000 branches in the country and 8500+ ATMs, the SBI is serving the Indians very well. Since this is a Government bank, so it works on the ways to provide maximum facility and benefits so its customers.

2. HDFC Bank

HDFC is the 2nd largest private bank in India. This bank was incorporated in August 1994. As of December 2012, HDFC Bank had 2,776 branches and 10,490 ATMs across 1,399 cities in the country.

3. Axis Bank

Axis bank was established in year 1994. It has 729 branches and 3171 ATMs in country. It is one of most popular and 3rd largest bank in India. The bank is popular due to quality of service.

4. Bank of Baroda

This Indian state-owned bank was established in year 1908. It has around 4261 branches and 2000 ATMs across the country. Next to SBI, it is 2nd biggest bank in India.

5. ICICI Bank

With its first-class service and proper care for every single customer, this private bank has been following the up curve in customers’ count.
The ICICI bank is known for providing speedy service and good friendly staff. It has more than 1400 branches and 4600 ATMs.

6. Punjab National Bank

Punjab national bank was founded in year 1895, and is now based in New Delhi. It has more than 5000 branches across 764 cities.
The bank serves more than 37 million customers which is more than enough to speak about the popularity of bank.

7. IDBI Bank

This bank has been categorized by RBI as “other public sector bank“. It was established in year 1964. It has more than 1594 ATMs and 1000 branches which include some overseas branches as well.

8. Canara Bank

This bank was founded by Late A Subba Rao Pai on Jul 1, 1906 in Mangalore. As of December 2011, this bank had 3564 branches across different cities of India, and 4000 ATMs.

9. Bank of India

Bank of India is an Indian state-owned bank which was founded in year 1906. As of 21 April 2012, 4187 branches which include the 52 branches that are outside India. It had 1679 ATMs at that time. Of course, the count is more now.

10. Union Bank of India

The last one in this list of top 10 banks in India, is the Union Bank of India. This bank was established on 11 November, 1919. The bank has around 3,200 ATMs in the country.

Today’s life is surrounded with things that are meant to give you comfort. The technology has changed the lifestyle, and everyone wants to adopt that high lifestyle. You can be point of attraction, you can taste high level lifestyle by becoming proud owner of car. Oh! So you are looking to buy a car, but lack of fund is the problem you are facing? Well, don’t panic! Car loan is meant to help you.
You can be financially able to buy a car by taking car loan for any bank. Of course, you should opt for the bank that provide best car loans. By best, I mean the car loan in which you pay a low interest rate, while get high quality and speedy service. There are many banks in India which run different schemes to attract the customer. Here is list of five banks that provide best car loans.

1.State Bank of India

Whether you want to buy Multi Utility Vehicles or SUVs, you can get loan from SBI. The interest rate of sbi is only 10.70 percent, and maximum that you can get as loan is the 48 times of your annual income. You are given 7 years to repay the loan amount, which is indeed a very good time period.

There is not any load of documents that you need to submit to get loan from SBI. Your salary certificate, Voter ID or PAN Card photocopy, Bank account statement for last 6 months, and two photographs (passport size).

2.Union Bank of India

Just like the SBI, the interest rate on the car loan provided by Union Bank, is 10.70 percent. You can get loan to buy a new vehicle, which can be two-wheeler or four-wheeler. If you are looking to buy second-hand vehicle, then also the Union Bank is good for you. The car loan at the 10.70 percent interest rate is quite attractive, but, this much interest rate is only in the case you have a permanent job in any government sector such as  Central, State, Defense, Police Force.
Even if you are doing job in a reputed MNC, then also you can get a car loan at the aforementioned interest rate. The time that you are allotted is 60 months, which is less than what SBI allots. If you are looking to buy any of Ford car, then there is an exception which is in your favor. The exception is that you can repay the loan amount in 7 years.

3.Axis Bank

Axis bank has also good offers to make you dream of owning car a reality. If you have been an account holder in Axis bank for at least 3 months, then you can apply for car loan. The terms and conditions are not tough, which makes the car loan taking process simple and axis interest rates also low for loans.
If you have been working in your current company for past two years minimum, and have 1.5 to 2.5 lakh annual income at the very least, then you can easily get loan from Axis bank. The time allotted to repay the loan amount is from 1 to 5 years.

4.Karur Vysya Bank

You can take car loan to buy a new car or any second hand car with interest rate being 12 percent. The maximum loan amount that you can get is 75 lakhs. The margin for new cars is 15 percent, while for the old cars, it’s 25 percent.

The time allotted to repay the loan amount is different depending on if you have taken loan to buy old car or a new one. For new car, 84 months time period is there, and for old car, 60 months time period. Applying for loan is not any big task. 4000 Rs. is the processing on up to 10 lakhs loan. If your loan is more than that, then 8000 Rs. is the processing charge.

5.Dena Bank

Dena Bank Interest rate is 12 percent. If you want to get loan to buy a new car, then you must have minimum of 1.50 lakh income annually. Bank sanctions loan of up to 8 lakhs. Up to loan of 2.50 lakhs, the processing fee is Rs. 1000. The processing fee for higher loan amounts is as – Rs. 1500 for above 2.50 lakhs, Rs. 2500 for above 7 lakhs.

The time allotted is 60 months, if you took the loan to buy a new car. In case if you took the loan to buy used car, you will be given maximum of 36 months to repay the loan amount.

Are you planning to have a sweet home of your own, but don’t have enough money in your account to make that happen? No worries! This is where home loans come into role. Home loans can help you become financially capable of buying home. Home loan is a long-term debt that we opt for. We need to pay EMI every month. Also, don’t forgot to check out 5 Factors to Consider Before Buying Investment Property in India.So, one must be very careful while selecting bank to get home loan. Since banking sector in India is quite large with multiple of tens of banks offering you home loans, the selection task is bit complex, hard, and time consuming. But, you don’t need to worry at all, as I am here with the list of top 5 banks for home loan in India.

1. SBI Bank Loan

When it comes to home loan, SBI Bank is what shines at the top. This bank covers 24.50 percent of total number of home loan borrowers in country. The bank has got tough rules to approve home loan, plus you need to little hard work moving here and there in getting the requirements fulfilled. Well, only the initial process is bit tiring, after the loan gets approved, you will surely enjoy a smooth experience.

2. HDFC Bank Loan

After SBI, it’s HDFC that tops the chart. The bank has been enjoying up curve in number of home loan borrowers for past few years, which apparently tells the improvement in features, in service by the bank. HDFC is known for offering its top-notch service. Low interest rate, high-end customer help are the major reasons why people like to opt for HDFC bank to get home loan. Increasing count of consumers has made this bank shine in this list about best banks for housing loan in India.

3. LIC Housing Finance Loan

If you did not like any of above listed in this list about top 5 banks for home loan in India, due to one reason or another, then you should take time in checking out what LIC Housing Finance has got for you. You need to go through lesser document work when applying for home loan, which simply ease the process.

You also get the option to fix rate of interest for five years. Moreover, if you have insurance scheme with LIC, then you can enjoy lesser interest rate on your home loan amount, as compared to those who don’t have any scheme with LIC.

4. Axis Bank Loan

Yet another private bank making into this list is Axis Bank. This bank has got handsome count of consumers which has been growing continuously. Various surveys done by independent bodies tell that people are quite satisfied with services of Axis bank.

5. ICICI Bank Loan

Last in the list is ICICI bank. After analyzing data from various surveys, we figured out people are with mixed reviews for this bank. Still, the services, the attractive interest rate and other factors have helped this bank grab a respectful position in this list.

Taking a Home loan is a big task in itself and one of the biggest financial decisions. Home loan is the longest debt in our life. At times 10-20 yrs, which makes demands a long term commitment. Each month you have to pay your EMI, sometimes you have to prepay some part of home loan, sometimes you need some documents and visit the bank. There are numerous things to be done during taking the home loan and after taking the home loan, hence you should be very clear that which is the best bank for Home Loan. Without much confusion, its very clear that everyone wants to go with the bank which makes your life easy at the time of taking home loan and even after that. So the biggest question on everyone’s mind is “Which is the best bank for Home loan?”

Best Home Loan Bank in India

First thing first, you have to be very very clear that there cant be a single bank or loan institution which is perfect for everything and you will never face an issue with them. Also there is no “best bank for Home Loan” which has always worked for everyone till date. But overall we can always pick some banks which have been better than others on different parameters. You can say that on a high level “Bank A” is better than “Bank B” and this is based on many loan takers experience over the years. So now in this article we will try to understand difference between different banks and how they differ with each other. We will also see a survey result done with the vast community of this blog and which bank they choose collectively as best bank for home loan.

Public Companies vs Pvt Companies

While researching on this topic , the first thing which came to my mind was “all banks are same, everyone has bad experience will all kind of banks, whether PSU or private”. But we have to understand that while some people can have bad experience with some banks, there are positive experience too and we have to see things from a very high level and not judge a bank just based on handful of bad experiences. The first confusion which comes to any loan taker mind is “PSU bank or private bank?” and based on the experience here is the conclusion.

PSU Banks are good post-loan but not friendly at the time of taking the loan

Private banks are very fast and friendly at the time of disbursing the home loan, they will treat you like a king up-till the loan is disbursed, but once every formality is complete and your home loan is sanctioned, you are a trash to them! As they are extremely agressive in marketing of home loans, a lot of people fall for it, Private companies presentation and they way they approach you is good but  only till you are not a home loan customer. A lot of times private companies make things easy for you and also bend some rules for home loans. the number of documents they need also is less compared to a PSU bank.

On the other hand, PSU banks are not that great at the start of home loan , their rules are very strict and stringent and they still operate  in the “sarkari” style, however once you loan process is complete and things start, there after life is much easier compared to private banks. The overall handling is much professional and as per the process. In short they don’t suck your blood every now and then as private companies do.

Private banks are first to raise the interest rates

On the interest rates increase and reduction side, its seen that private companies are first to raise the interest rates after the rate increase from RBI side, but private banks hide somewhere when there is a time for reducing the interest rates. However PSU banks are more transparent on this front and much less annoying than Private banks. Also private banks arbitraly increase the pre-payment charges (  like from 2% to 3%) the conversion fees is also charged heavily if you want to move down to a lower interest rates.

Also the changes of fraud at employees level in Private bank is much higher than PSU Banks. I cant say that PSU banks are not into the bad game, but its much much higher in Private banks because of sales pressure and targets. There has been cases of forced selling of home insurance and also cross selling of ULIP’s and other financial products along with the home loan

Which is the best bank for Home loan in India?

Now there are millions of people who have taken home loan and there are various parameters on which a bank can be ranked like Processing time for home loan, Transparency in whole process, Attitude towards customer, Interest rates and pre-payment charges, online tracking of your home loan after disbursement. But there is no ranking of banks on all these parameters. However still you can rank a bank overall as good or bad in total. I ran a survey on this blog and got around 1504 participants to vote for best bank for home loan and based on that we can judge which banks are more preferable and more trusted. Here are the results.

Top 5 banks for Home Loan at the moment

If you see the survey above , you can clearly see that the top 5 banks for home loan are SBI , HDFC , LIC housing, Axis Bank and ICICI Bank and these 5 banks comprise of 83% votes . While a big reason for this can be that these are big banks having a wide reach and has more customers and hence the results are little biased. But at least you can see that out of 1504 people on this blog, 83% of them have a home loan from these 5 big banks , in which SBI tops the list.

1. SBI Bank

Based on the survey and overall reading’s done over net and comments section of this blog. SBI bank seems to be the best bank for Home Loan. While SBI Bank still carries the hangover of Sarkari culture and they are strict in the overall process , which means you will have to run all over the bank and many times to get things done, but once the whole process is complete , may be you will have a smooth experience overall. Things will be easy post home loan process if you need anythings from bank compared to other banks. For those who want to know why SBI is preferred , follow this thread

2. HDFC Bank

Overall HDFC bank seems to be have mixed review. Some people had great experience and some had very bad experience. HDFC Bank is overall recognised as the bank for home loan itself. But overall the experience was very very mixed.

3. LIC Housing Finance

LIC housing finance seem to be a decent option after SBI. While they are not that great as SBI , still they seem to be a good choice after HDFC and ICICI bank . LIC Housing Finance has lesser documentation requirements, but one has to run around for smaller details.  LIC seem to offer better rates and also giving option to fix the interest rate for 5 years. One thing which many people do not know is that LIC reduces the interest rates for home loan for its customers having any insurance/investment policy with LIC by at least 0.25% , but only if Sum assured of all policies collectively is more than 15,00,000 and all policies should be under the name of loan applicant.

4. ICICI Bank

ICICI Bank seems to be very very fast and too friendly at the time of loan processing, but once the loan is done, the life seems to be hell for most of the people . They are not very supportive most of the times and one gets too frustrated with their attitude. Overall their interest rates are also very high.

5. Axis Bank

Axis Bank is another good option as big bank . One good thing about Axis bank is that they have NIL charges for any pre-payment . Its a big surprise that Axis bank was more preferred than ICICI bank overall in the survey. While Axis Bank has few good options, there was one recent case from axis bank which I had highlighted on this blog on how they forced sell a life insurance policy along with home loan, While this was a negative thing from Axis Bank,  we have to understand that good and bad experience are part of all the banks.

So what is the final answer ?

While there are positive and negative experiences from different banks, the clear answer coming out of different comments from readers and survey is that if one has to choose just one name, SBI bank is the best bank for home loan. We have seen most of the votes going to SBI Bank and all the pointers are suggesting that its a right choice.

Which bank do you have home loan with and what was your experience overall from start till the end. Can you share it in for others benefit?

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In other words, affiliate program is the kind of associate program with other partners in which you have to show their ads on your website through which you can earn some of the money according to partnership ratio.

So, if you are searching for a best affiliate program for your website in India, this article will definitely help you a lot. Because in this article I’ve compiled a great list of top 5 best and most trusted affiliate programs made for Indians. So, now, have a look on the following list of affiliate programs for you: