Home Loan

Home Loan is offered to individuals who wish to purchase or construct a house. The property is mortgaged to the lender as a security till the repayment of the loan.
It is wise to exercise prudence and take extra care while going through the process.


Safety tips when taking a Home Loan:
  • Ask for proof of identity of the bank executive whom you are dealing with.
  • If any cheque is issued for charges or fees, Please issue them in favour of your bank, and not in the name of any individual.
  • Check all the filled-in- details with care before finally handing over your application to the bank executive.
  • Avoid giving original documents to the executive.
  • After submission of the documents if you decide not to avail the loan, inform the bank immediately.
  • If you do not receive a notification about the acceptance or rejection of your loan-application within the time specified, contact the bank immediately through their Customer Care or Branch.
  • Ensure that the title of the property is clear.

Car Loan

Taking a Car Loan from a bank is a common and popular means to buy a car. From making the loan application to closing the loan, it becomes an easy drive when you bear the following points In mind.


Points to remember:
  • Ask for proof of identity of the bank executive whom you are dealing with.
  • If you decide not to avail of the loan after submitting the document, inform the bank immediately to ensure cancellation.
  • Do not make payment in cash to anyone. Always issue crossed, post-dated cheques and security PDCs in favour of the lending bank only and not in the name of any individual.
Investment - Safety Tips

While making important financial decisions about investing your money, one should take precautions to ensure that the money invested in the funds is safe and will earn desired returns for you. Here are few tips to invest safely:

  • Always deal with SEBI registered or authorised intermediaries.
  • Try getting maximum information about the intermediaries and types of investment offered by them.
  • Do not pay attention on rumours or advertisement that promise large returns.
Safety tips for online investment:

If you are interested in online investment and trading, refer to the listed safety tips:

  • Set limits for your online trading transactions.
  • Try getting maximum information of the online broker before choosing one.
  • Avoid trade online or do any online investment securities by using any public computer.
  • Always make sure that the website you are doing online trading on is secured and has “locked padlock" icon in the browser window and there should always be “https" at the beginning of the URL.
  • Always check on your online transactions regularly.
  • Be careful of Phishers and Scammers. If you ever receive any email from unknown email IDs asking for “Your account related information" please do not share the information before confirming its authenticity.