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What is the best investment you can ever make?



What is the best investment you can ever make?

Some investors can make investments that will provide them with significant returns as rapidly as possible while minimizing the danger of losing their principal. This is why so many people are on the search for great investment programs that will allow them to quadruple their money in a matter of months or years while posing such little risk.

Consequently, there is no such thing as a high-return, low-risk investment product. In truth, risk and earnings are inextricably linked, the larger the returns, the greater the risk, and simultaneously. Whenever investing in a product, you must match your risk profile with the product’s related hazards. if you want to know about the gold loan and looking for the answer to the question, what is gold loan then you are at the right place.



What is a gold loan?

Investments are divided into two categories: investment income and non-financial assets. Fixed-income assets and brand goods (such as stocks and mutual funds) are two types of financial assets (like Public Provident Fund, bank fixed deposits). The best examples of non-financial assets are Real estate in which many Indians invest.

Since ancient times, gold has been a sign of luxury, and it has helped preserve its value as an investment even in the Information Age. Gold is currently available in its physical form at roughly 190,000 tonnes around the world, with half of that in the form of jewelry. Central banks around the world hold an additional 17 percent and 13% of global gold reserves, respectively, which are used for diverse industrial reasons.

Investments are currently the second most popular use of Gold in the world, accounting for 20% of all physical Gold. People possess them as investments in the form of coins, bars, or as capital securities in gold exchange-traded funds, gold mutual funds, and digital gold.


The reason behind gold investment

The fundamental purpose for investing in Gold is to diversify one’s portfolio, and it is seen as excellent protection against the possible unpredictability of equities investments as well as inflation in this context. Furthermore, gold investments have generated good returns in the majority of cases during the previous 40 years:

Aside from the earnings, another important reason to choose Gold as insurance is that it has usually exhibited lower stability than equities investments over the long term. On many occasions, it has shown an inverse correlation to equities, i.e., when equity markets have experienced a downturn, gold profits have consistently been strong. 

In needful situations, Physical gold can also be used to get loans easily. You can get a gold loan of upto 90% of your total gold value in your bank account by paying a very little rate of interest. You can calculate the EMI on a gold loan amount by using a gold loan emi calculator online.



India’s Gold Investment Options

If you want to invest in gold, you can do so in either digital or physical form. Gold as an investment can be held in the form of jewelry, coins, bars (bullion), and other physical forms. However, there are a couple of important drawbacks to investing in actual gold:

  • Purchases are costly because of manufacturing and design fees.
  • Due to security and insurance regulations, storage costs must be paid.
  • Due to the possibility of contaminants and the necessity of provenance and quality certificates, trading is inconvenient.

To get around the physical gold limits, you can pursue the digital path, which includes Digital Gold, Mutual Funds, Gold ETFs, and Sovereign Gold Bonds. A summary of each of these investing choices follows:

  • Electronic gold can be acquired in various values starting at 1 gram and up through various apps.
  • Gold ETFs: Gold Exchange Traded Funds are traded on stock exchanges like shares, and their main contributing assets are Physical Gold and Gold mining/refining shares. Investing in Gold ETFs requires a Demat (Dematerialized) Account.
  • Gold Mutual Funds: These are mutual funds managed by various asset management companies (AMCs) that invest primarily in Gold ETFs and follow a fund of fund structure. The ETMONEY App allows you to invest in most Gold Mutual Funds.
  • Sovereign Gold Bonds: The Reserve Bank of India (RBI) issues these securities regularly and sells them to top government and non – governmental banks.


Gold has always fascinated and delighted people. Gold is one of the safest investments. By including gold in your portfolio, you are diversifying and balancing it. The optimal method is determined by your investing goal. For example, if you want to bury something on your lawn and keep it safe, bullion coins or bars are the way to go. If you want to make more money, gold SIPs, ETFs, or regular bullion trading are the best options. Gold is something that isn’t available on the open market. It’s about the cash.

Nonetheless, if properly researched and managed, it can be a wonderful long-term venture. Gold has always surpassed silver, according to records. So, if you are planning to invest in gold, you can take this step without thinking twice. It is the best option to opt for great returns and safe collateral. 



Understanding the Benefits of Emergency Loans for Unexpected Expenses



Emergency Loans

Emergency funds form the foundation of your financial well-being. Having a financial resource to tackle unexpected expenses is a big necessity. However, emergencies often come up at the most unexpected times. In such situations, emergency loans emerge as the most practical funding option.

An emergency loan provides immediate relief. At the same time, it gives you an opportunity to build your credit score without stretching your budget. In the following sections, you will learn what these loans are and their benefits. 

Understanding an Emergency Loan

Emergency loans are financial facilities many new-age lenders like Hero FinCorp provide to address urgent needs. They are a quick source of funds when you require money to cover an unexpected expense or overcome a crisis. Quick disbursal of funds ensures timely access to the funds needed without touching your savings. Moreover, they are short-term, collateral-free loans that do not require backup of collateral, guarantor, or security. Despite the higher risk for the lenders, these loans are known for competitive interest rates and simple eligibility criteria.


An emergency loan approval process involves an in-depth analysis of an applicant’s creditworthiness, including financial health, repayment capacity, income stability, and credit score. Lenders consider several other factors to determine loan eligibility, such as age, debt-to-income (DTI) ratio, employment history, work experience, etc. Hero FinCorp can be a great choice if you are looking for a reliable option with hassle-free process. They offer Personal Loan with minimum salary requirement of Rs 15,000 per month.

What Can an Emergency Loan Cover?

While putting away money and building a corpus of emergency funds is advisable, you may still need emergency loans in the following life situations:

Medical Emergency: 

The steep costs of healthcare these days could drain your emergency funds and savings within a short period. In such situations, an emergency loan can revive your mental and physical health without any compromise on the quality of healthcare.


Higher Education: 

Quality education sometimes can be expensive. Seldom your saved money falls short to financing the costs. An emergency loanl can cover various expenses associated, including tuition fees, travel costs, accommodation expenses, study materials and equipment, etc.

Urgent Trips: 

An emergency loan can save the day when you suddenly need to go on a foreign trip for work, relatives, healthcare, or a spontaneous plan with friends. It can finance all types of expenses for the trip, including airfare, sightseeing, accommodation, shopping, visa, etc.

Last-Minute Wedding Expenses: 

Some expenses may arrive unexpectedly despite planning everything efficiently. Such financial shortfalls may ruin the wedding experience, making all your efforts unsuccessful. Cover these expenses with an emergency loan to make your event memorable.


Home Renovation: 

You may require an emergency loan for home renovation needs such as urgent repairs and quick revamps. Cover all the related costs with this loan and transform your house the way you like.

Other than these, emergency loans may cover several other expenses such as big-ticket purchases, debt consolidation, sudden death in the family, loss of job, urgent car repairs, etc.

Top Advantages of Emergency Loans

Since emergency loans can come to the financial rescue in several life situations, let’s look at the top advantages they provide:

  • Quick Access to Funds: 

Speed is one of the biggest advantages of emergency loans. If an unexpected expense exceeds your savings, secure instant funding from an emergency loan. NBFCs like Hero FinCorp can approve these loans in minutes and disburse the loan amount directly into your bank account.

  • Flexible Spending: 

An emergency loan is completely flexible in how you use the loan amount. These loans do not impose any restrictions on fund usage, giving you the freedom to cover whatever urgent requirement arises.

  • Easier Eligibility Criteria: 

Eligibility criteria for emergency loans are more flexible than traditional ones. As long as you have a stable job with a regular income, you may qualify for a Personal Loan with a minimum salary of Rs 15,000. 

  • No Collateral Requirement: 

Emergency loans are a type of Personal Loans that do not require collateral. These unsecured loans provide convenient access to funds within minutes with minimal formalities.

  • Convenient Application: 

The application procedure for an emergency loan is quick and simple. Loan companies streamline the process with digital methods to accelerate evaluation, approval, and funding. The convenient online process makes loan application easy from the comfort of your home without visiting the lender’s branch office and submitting hefty paperwork. The streamlined application process delivers fast funding access right when needed.

  • Direct Dispersal of Funds: 

Once approved, you don’t need to visit the lender’s office to collect the cheque and submit it to your account. The electronic transfer disburses the loan amount directly to your bank account, allowing immediate access to the funds for emergencies.

Steps to Apply for an Emergency Loan

When planning to apply for an emergency loan, here is your best path forward:

  • Choose the Lender: 

Research and compare multiple lenders based on their interest rates, approval requirements, eligibility conditions, loan amounts, additional charges, repayment terms, etc.

  • Choose a Repayment Term: 

Since lenders allow applicants to choose a repayment term with budget-friendly EMIs, use an EMI calculator to make an informed decision best suited to your monthly budget and repayment capacity.

  • Start the Application Online: 

You can easily fill out the application form online using your smartphone. Download the instant loan app offered by reliable NBFCs like Hero FinCorp to apply online.

  • Review and Accept the Loan Offer: 

Review and accept the loan offer you receive to authorise fund transfer to your account.The convenient and digital process takes just a few minutes to complete, giving you quick loan access to emergency funds. Having your documents ready in advance streamlines and expedites approval, making emergency loans instantly available without hassle. Apply for an emergency loan of up to Rs 3 Lakh with Hero FinCorp and meet financial emergencies more confidently. Here, the interest rates are competitive and the application process is digital, making emergency funds instantly available in your bank account.

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Mitsubishi to acquire 32% stake in TVS Mobility’s new venture



Mitsubishi to pick up 32% in TVS Mobility’s new arm

TVS Mobility and Japan-based Mitsubishi Corp have announced an agreement, under which Mitsubishi Corp will acquire almost one-third stake in a new company, a spin-off of the business of TVS Mobility.

According to Mitsubishi Corporation, they have agreed to subscribe to shares (about 32%) in TVS Vehicle Mobility Solutions Pvt Ltd (TVS VMS) through private placement. The completion of these transactions is subject to approval by the relevant regulatory authorities.

This investment is intended to develop comprehensive mobility solutions including after-sales services, multi-brand sales, leasing, and other automotive operations by utilizing the extensive customer base and digital technology of TVS Mobility’s arm.

Mitsubishi has previously invested in TVS Automobile Solutions (TASL), a network of roughly 700 service centers, and partnerships with 16,000 retailers of wholesale auto parts connected through digital technology.

The exact financial details of the deal have not been disclosed, but this strategic partnership between TVS Mobility and Mitsubishi Corporation is expected to enhance the range of mobility services being offered by TVS Mobility and strengthen their position in the market.

Overall, this collaboration is a significant development in the automotive industry, and it will be interesting to see how TVS Mobility and Mitsubishi Corporation leverage their strengths to revolutionize mobility solutions and services in the future. The completion of this deal is eagerly anticipated and is bound to have a far-reaching impact on the industry.

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IndiGo’s Market Share Decline in January Explained: Chart Beat



Chart beat: Why IndiGo’s market share slipped in January

In January, IndiGo’s domestic passenger traffic increased by 16% year-on-year, but its market share dropped to 60.2% sequentially, marking its lowest share since the shutdown of Go First’s operations in May. According to Jefferies India, the decrease in IndiGo’s market share may be due to the impact of its aircraft grounding in Q4, while its peer, Air India, continues to build its fleet. The market share of the Air India group reached a recent high of 28.3% last month, compared to 27% in December.

Moving forward, investors will closely monitor fuel prices in the coming days as they play a crucial role in the profitability of airlines. Aviation turbine fuel (ATF) prices make up a significant portion of operating costs for airlines, and higher fuel prices can negatively impact profits. Despite a slight decrease in ATF prices month-on-month in February, Jefferies predicts that spot jet fuel suggests that ATF may remain stable next month.

The fluctuation in market share and the impact of aircraft grounding on IndiGo’s operations highlight the challenges and competition within the domestic aviation industry. As the industry continues to navigate through the effects of the pandemic, factors such as fuel prices and fleet expansion will continue to influence the performance and market position of airlines. As a result, stakeholders will closely follow developments in these areas to gauge the overall health and prospects of the aviation sector in the coming months.

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