Going for an unsecured business loan? Apply through loan app!

Going to start a new business or want to expand an already existing one? An unsecured business loan is exactly what you need. An unsecured business loan is not secured by collateral and is comparatively easier to obtain than a secured loan. With the help of an unsecured loan availed through an app you can take advantage of a number of benefits which an unsecured business loan has to offer.

There are a number of reasons why you should consider taking an unsecured loan through an app. Simple and convenient, getting an unsecured loan through an app will help you in a number of ways.

Why Applying for an unsecured business loan via an app is ideal!

A number of banks in the country offer unsecured loans to people who are new in the business ecosystem or want instant help in expanding their small businesses. The question of which bank to opt for can be quite harrowing as the options available are many and thus confusing to a newbie. This is where an app can help you out. With the help of an app, you can easily compare the different offers provided by different banks and make the right decision for your business.

Applying for an unsecured business loan online helps you save time as well. With the help of the online facility, you can find out all about the criteria to match, within a couple of minutes. You do not have to take out time from your busy schedule to visit a bank and get all the required information. With the help of the online facility, you can find out all that you need to know and apply for an unsecured business loan online.

Another hassle-free advantage of applying via an app for unsecured loan is that you do not need to carry multiple photocopies of your numerous identification papers to the bank. With the help of the online facility, the bank can access your important details online itself.

The process of applying for an unsecured business loan via an app helps you cut down on the unnecessary transactions as well. These procedures are automated and have no means of human intervention. The otherwise tedious and lengthy process of getting an answer on your loan happens much faster through an app.

6 Reasons why shopping apps are trending today

Bring to mind your favourite apparel or departmental store. It’s an even bet that they have a corresponding app on your mobile phone. Why? Because it is smoother and more efficient to navigate through those apps from start to finish. For one thing, there is no need to fiddle with your payments. Such shopping apps help customers make the seamless transition from an occasional purchaser to a loyal customer. It could be a food delivery app, a restaurant app or even a clothing and beauty item app. Shopping apps are in vogue and here is why.

1. Repeat Business
Pre-orders and online payments are two of the key features of shopping apps. By the added advantage of being able to order ahead of time, you can pick up your order, whether it be food or merchandise, thus accelerating the entire process. It helps you avoid long queues and any kind of transactional hassle.

2. Convenience
In today’s day and age, the most valuable commodity is time. And what is the most effective way of saving time and making a transaction effortless? An app with retail brands, both big and small, following the same model as transport apps, everything is at your disposal with just a few simple steps.

3. Rewards
Online shopping apps offer incredible rewards on each purchase that is made. With competitive discounts from different brands, and an assurance of good quality, these apps make sure that the customer has had a pleasurable experience. They also provide the user with notifications and alerts for sales and lucrative offers.

4. Enhanced Experience
Shopping apps furnish the customer with complete control of their whole shopping experience. It lets you access sale offers, make shopping lists, order a product that might not be physically available where you reside. They also streamline the checkout process making it ideal for the digital age.

5. Personal Touch
You can customize and personalize the rewards and benefits you access from your online shopping apps. For example, some of the best online shopping apps offer extremely personalized discounts and sale offers to you on your birthday. They base it on your shopping preferences and the frequency of your purchases.

6. Efficient
Online shopping apps have made the need for paper currency and receipts obsolete. It has reduced paper costs and made some inaccessible brands attainable.

It is quite clear that online apps are the equivalent of a loyalty or membership card in the 21st century. An essential part of any modern brand’s marketing and distribution strategy, it is a useful tool for both the customers and the retailers.

Banking App: Take advantage of these 4 benefits

With digital transactions rapidly gaining ground, the use of banking apps has proliferated across the country. The reasons for this are many, but primarily the following benefits have made mobile banking apps the go to solution for banking necessities.

1. Cashless and Paperless transfers
One of the biggest advantage a banking app offers are cashless transactions. Mobile banking eliminates the need to carry huge amount liquid cash as well as the risk of theft. Even if your mobile is stolen, you can easily block the app, but cash once stolen is very difficult to recover. Additionally cashless transactions do not generate any paper trail as all transaction are saved in an electronic format, so you are also doing your bit for the environment.

2. Utility bill Payments
Payment of utility bills like electricity, water, etc. has never been so easy. With just a few simple taps on your smartphone you can pay all your utility bills in a few minutes from anywhere, thus saving time and energy that would have been wasted otherwise. Additionally, they help you pay your utility bills timely. You can activate services to notify and remind you about utility bill payments at the desired time and date.

3. Features
Apart from the basic features like checking balance, money transfer, finding ATMs nearby, etc. a lot of advanced features are also present in these apps. Nowadays you can open fixed or recurring deposit, check you TDS status, request cheque book, stop payments and do many more things. The interfaces of these apps are also designed in a user friendly way so that you can carry out transactions without any assistance from bank officials.

4. Availability of services
With mobile banking, you can do transactions from anywhere. Additionally certain features like UPI, IMPS, etc. enable you to conduct transactions 24x7 including bank holidays. This ability makes mobile banking apps the most convenient form of banking.

While the benefits mentioned here are the major ones you get when using mobile banking apps, these are not the only ones. Add to that the fact that, these apps continuously get updated with new features periodically, the advantages of using banking apps are also increasing exponentially. So, if you want access to a plethora of new features and lightning fast banking functions, start using banking apps today.

Take advantage of applying for a two wheeler loan through a loan app

Planning on getting a new two wheeler? But the cost of the new bike or scooter seems out of your reach? You need not fret. Two-wheeler loans are extremely useful for someone who wishes to purchase a new bike and wants to make sure that the dream vehicle stays perfectly fine. The conservative method would have been to apply for a loan by visiting a bank and discussing the details. But with the advent of online mediums, loan application can be quite easily done through apps on your phone.

With the widespread use of smart phones, banks have developed their own loan apps for these devices. Here are some of the advantages of applying for a two-wheeler loan through a loan app.

1. When applying for a two-wheeler loan through an app, you can calculate the monthly payments that you would be required to pay. With the use of the bike EMI calculator, you can estimate the EMI payments that you would be making. This also helps you calculate the interest rate on your loan and the total amount that you would have to pay in order to pay back your debt.

2. If you were to apply for a loan by the more traditional method, you would be required to present your pertinent documents and wait for the loan authority to conduct the requisite checks. This takes a fair amount of time. But, if you were to apply online for the very same loan, your eligibility could be tested within minutes. With just a few quick and easy steps you would have applied for your two-wheeler loan.

3. Given that the whole process is online, you can very easily compare the different rates of interests offered by different lenders. You can then choose a plan that suits your needs the best. Bike EMI calculators on these apps allow the user to input different interest rates and determine the tenure of the loan. This gives the user a better idea with regards to the expected monthly interest that he would have to pay to the lender.

4. When you apply for a two-wheeler loan through an online app of a bank, they offer extremely attractive pre-payment options. Pre-payments means that you can choose to pay a certain portion of the loan amount in a single transaction. You can choose from different pre-payment options on the app and choose the one that you are most comfortable with.
If you plan to apply for a loan to help you purchase a new bike, try these online apps. They will make the process much simpler and convenient.

Did you know payment apps offer you these benefits?

In this fast moving world of development and technology, our banks have also stepped up their game and introduced numerous ways of making our lives easy. The issue of wasting time, standing in long queues for hours is a thing of the past now. With the help of our handy best friend– our mobile phones, of course- we can do just about anything without wasting any time. Paying bills online is one of the many benefits our banks are providing today. These services were developed to help us save our time, energy and money. The mobile recharge apps offer a number of benefits to every person who is looking to save his time via a safe and secure mode of transaction. Keep reading below to find out about the multiple advantages of these online recharge offers.

The Benefits of Using a Payment App
Mobile Recharge Offers help you save a lot of money on late payment related fines. Many of these recharge offer apps send you alerts about the due date and the amount to be paid. This helps you remember the exact amount to be paid and the timeline for your payment, thereby helping you avoid any chance of wasting money on late fines.

This facility of paying bills online is convenient and simple. With the help of recharge offers available, you can simply pay all your bills at any time of the day without having to run down to the bank or corporation office. With the help of these simple and easily accessible recharge apps, you don’t have to take time out of your busy schedule for the sole purpose of paying bills.

Security is given utmost importance with these payment apps as they ensure that all your information is safe. All your important information like the account number, routine number and the signature is safe under these recharge apps. The option of paying online thereby protects your identity and completely eliminates any chance of losing your paperwork.

With the help of online bill payments facility you can save your hard earned money easily. The cost of stamps, envelopes and checks are all eliminated via these recharge app offers. Not just this, offers on mobile recharge help you keep a record of your expenditures and bills safely in one place in an organized manner.

Easy accessibility is another attractive feature of these recharge apps. With the help of online bill payment, you can easily access and make payments for your electricity, water and other bills at any time of the day. Be it in the morning or night, whether you are on your way to work or relaxing on a vacation. It’s simple, easy and convenient so make sure to switch to these apps and save some time.

Take the easy way out to pay your utility bill with this app

Are you tired of running around multiple offices to pay your electricity bills, water supply bills, etc. and are looking for a more convenient way to pay these utility bills? Or, have you had to deal with late utility bill payment fines? Then, You should definitely try out mobile banking apps.

With mobile banking apps you can pay all of your utility bills just sitting at your home or anywhere else and that too within a few minutes. This saves you a lot of time and energy, which you might have wasted in going to the offices of the different utilities. But the area where the mobile banking apps shine is timely utility bill payments. They offer a variety of options for you on this front. For example in HDFC bank’s HDFC ASO Mobile Banking app, if you want, you can set reminders and notifications through the app that will remind you on the desired time and date to pay utility bills. If you want even something more convenient then you can also issue standing instructions through the app to pay your utility bills at a specific date and time.

Additionally mobile banking apps like Axis bank’s Axis Mobile app for example, help you by maintaining an electronic history of all transactions and that include your utility bill payments too. This helps you do two things: first it keeps all your payment details in one place so that you can review and track them as and when you like; second, it helps in eliminating the need of paper bills thus helping you do your part in conserving the environment.

As with all forms of electronic fund transfer systems there is a possible threat of hacking and information theft. But these banking apps are very secure and have counter measures in place for such threats. For example, the ICICI bank’s mobile banking app iMobile uses strong encryption on the data stored in the phone. Additionally all data being transmitted over the network is also encrypted by secure technologies like PKI, 256 bit SSL encryption, etc. Thus you do not have to worry about any kind of theft, either monetary or of personal data while paying your bills through these banking apps.

So say ‘no more’ to waiting in long queues, late payment fines and turning the house upside down to find your previous bills and start using mobile banking apps today itself to pay utility bills the easy way.

Net Banking Apps: What are the different features?

Net banking apps are becoming more popular than ever, thanks to the digitalization of the economy. More people are embracing the online mode of transaction, due to which the different banks have developed and launched their own applications for internet banking.

Here are some of the features that almost all net banking apps share.

1. Account creation
If you do not want to visit a bank to open an account, the only option that you have is to download the app of that bank and create the account online. This process is simple and instant. However, keep in mind, you will still need to present the photocopies of identity documents in order for the bank to verify your identity.

2. Bill payments
Net banking apps can be used to clear bill payments. These apps come preloaded with options of essential categories like electricity, gas and phone bills. All you have to do is click on the relevant category, select the company and pay. Furthermore, you can make credit card bill payments through the mobile app as well. These apps also allow you to automate the bill payment, which will further reduce the hassle involved with periodic payments.

3. Statements are electronic
Instead of paper statements that are liable to get displaced or damaged, when you use a net banking app for transactions, the invoice or receipt is digital and mailed to you. This will be easy to keep track off at the end of the month, when you are calculating expenditures and savings for that particular month.

4. Alerts for every transaction
Whenever a transaction occurs in your account, you will receive an instant alert of the same. This alert will also notify you of any irregular changes in your account, such as any unexpected debit of money. In such a case, you can get in touch with the relevant people to rectify the issue almost immediately, thanks to the banking app on your phone.

Similarly SMS alert services are also offered by the banks, but often these messages may get delayed. In some cases, the SMS may not arrive due to network issues or some other reason. However, when you turn on the alerts in the app, you can rest assured knowing that any change in the account will be notified to you.

The mobile banking apps offer the best features and the best deals. Furthermore, it makes handling your finances simpler and more convenient.