Jack Grayson


Best Airtel Recharge Plans To Keep Your Mobile Number Active

Airtel is one of India’s leading mobile operators. It operates a robust and widespread 4G network throughout the country by providing several recharge options for its users. If you wish to keep your Airtel number active at all times, you can choose a basic plan and enjoy uninterrupted mobile services. Read on to know more about the best Airtel recharge plans of 2022 and how they might be a smart way to keep your mobile services active.

Airtel Recharge Plans for Talktime

If you’re seeking for Airtel Talktime recharge plans, check out the plans mentioned below:

  • Rs 10 – The top-up plan comes with 7.47 minutes of talk time.
  • Rs 20 – The recharge plan includes Rs 14.95 in talk time.
  • Rs 100 – You will acquire Rs 81.75 for talk time.
  • Rs 500 – The top-up plan includes 423.73 minutes of talk time.
  • Rs 1000 – By recharging the Rs 1,000 plan, you would receive Rs 847.46 in talk time.

Airtel Recharge Plans for Data, Calls, SMS and Other Benefits

  • Prepaid Recharge Plan of Rs 99

The Airtel online recharge plan is valid for 28 days. Users can make local/STD calls for 1 paisa per second. In addition, the package includes 200 MB of data and Rs 99 in talk time.

  • Prepaid Recharge Plan of Rs 109

Airtel’s smart recharge package includes 99 minutes of call time with 200MB of data and is valid for 30 days. The plan also adds 2.5 paise per second for local and long-distance calls.

  • Prepaid Recharge Plan of Rs 111

The plan provides 2.5 paise per second for local and STD calls. It also includes a Rs 99 talk time balance and 200MB of data throughout the validity period.

  • Prepaid Recharge Plan of Rs 155

The Rs 155 Airtel recharge plan includes 1GB of 4G data for the validity period. The recharge plan is valid for 24 days. Users also receive additional perks such as unlimited voice calls, 300 SMS, Airtel XStream, Wynk Music, and Amazon Prime Mobile Edition. Free 30-day trial with Hello Tunes.

  • Prepaid Recharge Plan of Rs 209

For the validity period, the Airtel prepaid plan provides 1GB of data every day. The pack is valid for 21 days and includes unlimited voice calls on local, STD, and national roaming. It also provides 100 SMS each day. In terms of perks, the plan comprises a free 30-day trial of Amazon Prime Mobile Edition, free Hellotunes, and Wynk Music.

  • Prepaid Recharge Plan of Rs 265

Airtel’s Rs 265 recharge plan provides 1GB of 4G data each day for 28 days. Interestingly, the corporation provides free 500 MB per day via the Airtel Thanks application. Extra perks include unlimited voice calls, 100 SMS per day, Airtel XStream, Wynk Music, and free Hello Tunes. With this pack, you can avail a 30-day free trial of Amazon Prime Mobile Edition.

  • Prepaid Recharge Plan of Rs 299

The Rs 299 Airtel online recharge plan includes 1.5GB of 4G data per day for 28 days. It includes 100 SMS per day, unlimited voice calls, Airtel XStream Premium, free online courses at Shaw Academy, Wynk Music, mobile virus protection, and free Hello Tunes. It also provides a Rs 150 cashback on FASTag.


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How To Play Minesweeper with crypto gambling

If you’ve ever played Minesweeper, you’ve probably noticed that the game is a lot like gambling. Just as matching dots on a grid to determine where mines lie smartly involves making decisions based on probability and odds, so too does playing Minesweeper with cryptocurrency. If you enjoy gambling but don’t mind losing sometimes, then playing Minesweeper with cryptocurrency might be for you. The concept is exactly the same as in traditional gambling:

You take a chance by wagering amounts of cryptocurrency on whether or not specific locations will contain hidden mines or not. However, unlike other types of gambling, which are strictly forms of entertainment, this one is also an investment tool. In this article, we’ll go over how to play Minesweeper with crypto gambling and win money by identifying possible targets for landmines hidden throughout virtual virtual world servers.

What is Minesweeper with cryptocurrency?

If you’ve ever played Minesweeper, you’ve probably noticed that the game is a lot like gambling. Just as matching dots on a grid to determine where mines lie smartly involves making decisions based on probability and odds, so too does playing Minesweeper with cryptocurrency.

If you enjoy gambling but don’t mind losing sometimes, then playing Minesweeper with crypto gambling might be for you.

The concept of playing Minesweeper with cryptocurrency is very similar to head-to-head card games like hearts or spades. You’re basically matching digital images to determine where mines lie in virtual worlds.

Identify the Minefields in a Video Game Server

Once you’ve got the app downloaded, head over to the server where you want to play and click the “Search” button. From there, select the game you want to play, and then look for the option to “Join a Server.” Once on the server, look for the name of the game and you’ll see a list of maps.

If you’re not sure where to start, just search “minefield” in the server and see what’s there. Once you’ve located the game and selected a map, you’ll notice a stopwatch icon. This is your “mine clock,” and it represents your time to find the mines. You’ll want to click on the clock to set your timer.

Play the Probability and Odds and Win Money

When you’ve got the timer set, click on the “Play” button. Now, let’s say you want to begin by finding the most advantageous location to lay your mines. To do this, click on the button that represents what you want to do: Dig, place, or walk.

Once you’ve set the area where you want to dig, walk, or walk and place your mines, click on the button representing what you want to do next. You can do this in real-time or even pause the game and allow you to think through your moves.

You’ll notice that the game pops up a menu that includes information about your mines and the surrounding area. From there, you can see what your chances of success are. If the chances are low enough, you can move onto the next field.

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Poker Becomes a Breeze when you play with a good poker app

Poker is a game that has been there for hundreds of years prior. It includes betting, abilities, and systems. The more you’ve played the game, the more abilities you gain; like this, more triumphs come in your direction. Nonetheless, you’ll continuously find better players as you visit various gambling clubs. In any case, to stay a star, you can rehearse poker on your telephone. You’ll find multiple free poker game applications on the web for the two novices and experienced players. Here are why you should play poker games with a good poker app download.

Free Download

Most poker games are accessible free of charge. You should get to internet service, peruse poker games, and pick the best free poker game applications that serve your necessities, and one such application is JacksTrump to enjoy the poker app download.

To Have Fun

In the event that you have nothing to do during the sporting time, think about playing poker. This is useful in the event that you are only now getting started. You can play against the PC, with a high chance of losing. Furthermore, you are only now getting started. Losing, however, is certainly not something terrible. You will get familiar with the procedures, and suddenly, you need to play in genuine gambling clubs and poker apps.

Serve self-image

At the point when a player plays and wins, interestingly, he couldn’t want anything more than to hold the title. In any case, what occurs if he is beaten? The poker players aren’t guaranteed to play for cash, yet it’s an intricate game, and being awesome among your companions lifts your confidence with the best poker app.

Develop Strategies

The more you play poker games, the quicker your abilities develop. It’s straightforward, when you used to follow through with something, it turns out to be essential for you too. It helps you to plan even in proactive tasks. Business engineers and visionaries are urged to play poker once they get a poker app downloaded to help foster their system abilities.


Clubs are loaded up with individuals who now and then make individual clubs. Players meet for quite a while until they become loved ones. Be that as it may, here and there mingling is undoubtedly not a decent movie. Your adversary could play with you, which will change how you play against them. The primary concern, they control you; you lose. Yet, if you are playing on the web, you can make companions from different nations without much of a stretch.

Bring in cash

Poker is an everyday occupation for the geniuses. It is from playing poker that a few players bring in their cash. A few players have become moguls by playing the game. In any case, bringing in cash from a poker game ought not to be your only motivation to play poker. You’ll be stunned by the amount you lost when you anticipated success with the poker app download.


This is the essential explanation for individuals playing poker on poker appr. On the off chance that you are a gathering of 9 players, you anticipate anything. It’s anything but a must-you win. Notwithstanding, the best player procures the bonanza. Playing poker game is an optimal method for investing your sporting energy. It assists you with growing better methodologies for taking care of life issues. Furthermore, it is unwinding and fun.

Poker in a hurry

The certain and most conspicuous benefit of having an authoritatively authorized poker application is that it is simple for you to play poker at any point and place you need. Whether you are a functioning person who plays the game once sometimes or somebody who plays the game routinely at a difficult level, the poker app suits all of you. Poker competitions held universally probably won’t coordinate with your timings. You might be elsewhere, and being before your computer is unimaginable all of the time. Here, you could get your telephone out, sign in, and begin playing with no sweat. It permits you not to think twice and consistently stay on the cash. Poker applications let you carry on with a healthy lifestyle where you’re not generally before a screen.

Since you have an adequate number of reasons concerning why you should find yourself the right poker app to introduce, what else might you at any point conceivably be sitting tight for? Assuming you are energetic about poker and wish to play the game in the most secure and most loosened-up manner, we enthusiastically suggest you download the authority Spartan Poker application. Through this, you can play all your number one poker varieties in the ideal experience that anyone could hope to find on the web. r. Assuming you add the full scope of customization choices that poker applications give, they can genuinely become according to the assumptions of the client. Having a good telephone that can perform with its details is sufficient motivation to have a legitimate poker app download.

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Can I Get a Personal Loan Without PAN Card?

PAN Card is a necessary document in various financial dealings. This covers your market investments as well as the acquisition of any financial instrument such as FDs. Moreover, every transaction beyond Rs. 50,000, especially when purchasing pricey jewellery or a vehicle, needs you to provide your PAN data. Similarly, opening a bank account or applying for a loan offer may not materialize without a PAN.

However, not all loan applicants have their PAN cards with them. Thus, is it feasible to obtain a personal loan without a PAN card? The answer to the above question is yes. However, the process is a little lengthy and is discussed in detail below, so keep reading.

How to Get a Loan Without Pan Card?

According to government regulations, it is difficult for financial institutions to lend to applicants who do not have a PAN number. Furthermore, the Aadhar card must be linked to your bank account and PAN for instant loan approval. This facilitates the government agencies to keep track of your financial transactions and prevent financial fraud. However, some lenders extend loans without a PAN card to eligible candidates.

In case you do not have a PAN card, submit the alternative documents listed below to get a loan.

  • If PAN is not available, then Form 60 is mandatory.
  • Photo identity proof: Passport, driving license, Aadhaar card number, Voter’s Identity Card, NREGA job card
  • Address Proof: Passport, driving license, Aadhaar card, Voter’s Identity Card, NREGA job card
  • Deemed Official Valid Document: Any service provider’s utility bill that is less than two months old (electricity, water bill, telephone, piped gas, post-paid mobile phone), Municipal tax receipt, pension payment orders (PPOs) etc.
  • Income proof: Latest salary slip, Recent Audited Financials, Bank details of last three months salary credited.
  • Business Proof: Qualification Certificate or Certificate of Practice(COP), Shop Act License, GST registration, Partnership Deed, etc.

In addition to the above documents, it is vital to have a high credit score of 750 or above for getting a loan. A high score gives confidence to the lender about your financial prudence and intent to repay. In addition, the bank details provided help banks determine your present and past financial condition and your repayment capacity. All of the records mentioned above must be sent to the bank together with the fully completed loan application form. Banks may issue you a personal loan without a PAN card once your paperwork has been examined and your eligibility has been determined.

One of the most common reasons for a personal loan application being rejected is the applicant’s lack of eligibility due to inadequate documents. However, before applying for a loan, you should examine your loan eligibility as well as the paperwork required to obtain a loan. If you do not have all of your paperwork in order, you should contact your bank and inquire about the alternative credentials you may submit to secure the loan. For example, people who do not have a PAN card might use the above criteria to obtain a personal loan.

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The Best CBD Products on the Market

Cannabidiol (CBD) is a compound chemical in the Cannabis sativa plant. CBD is also called hemp or cannabis. In 2017, the World Health Organisation (WHO) produced a report that found CBD provides relief for a wide variety of medical conditions such as cancer, Parkinson’s, Alzheimer’s disease, and multiple sclerosis. The report also stated CBD helped alleviate the effects of general pain disorder, depression, and anxiety. Since legalisation, many people over the mandated age limit can now buy CBD in a wide variety of products.

Gummies and Edibles

Many consumers do not like to smoke or cannot smoke during certain social events. CBD-infused gummies and edibles make it possible to enjoy the effects of CBD without the smoke. CBD is absorbed through the digestive system. Consumers report that edibles provide longer lasting effects than other products on the market.

Oils and Tinctures

CBD oils and tinctures are generally made from high concentrations of CBD. Consumers drop a few drops underneath their tongue. The cannabinoid receptors absorb the tincture or oil and can help alleviate migraines, stress, anxiety, or other physical issues. Many people choose oils and tinctures over other products because they have a long shelf life. You should store CBD oils and tinctures at room temperature and out of direct sunlight.


In recent years, vapourisers have increasingly grown in popularity in the UK. Many people are quitting smoking cigarettes and switching to vapes. Vapes are refillable and the vapour juice is relatively inexpensive in comparison to smoking multiple packs of cigarettes. Like nicotine-based e-liquid, consumers can now purchase CBD e-liquid in various concentrations. CBD e-liquid can be used in most vapour devices and provide the same alleviating effects from pain and daily stressors as other products on the market.


CBD-infused lotions, salves, and other topicals are applied directly to your skin. When CBD is applied to your skin, it activates your endocannabinoid system because there is a high concentration of cannabinoid receptors in your skin. The CBD binds to these receptors which works to alleviate inflammation and pain. For those suffering from long-term joint pain, they find it is easy to rub lotion on the inflicted areas to target the pain rather than use other forms of CBD products.


For those who like to smoke, CBD flowers are a great option. CBD flowers can be rolled in paper or put in a glass device. CBD flowers are highly concentrated and often provide a greater relaxing or calming sensation.

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Tricks to secure shared hosting      

With the technological advancements and changing lifestyles, new online businesses and website blogging is flooding the digital world. Certainly, business owners see economic ways to maintain and carry forward businesses. When it comes to selecting the web hosting platform, many small website owners, novice bloggers, and personal website owners tend to choose easy-to-use and affordable solutions. There are multiple hosting options, including WordPress web hosting, shared WordPress hosting, managed WordPress hosting, dedicated hosting, VPS hosting, and many more. Shared hosting with pocket-friendly plans featuring an intuitive interface and great value for money is the most popular option.

Certainly, a shared web hosting solution offers a great starting point. Several leading service providers offer seamless account management with pre-integrated control panels. In addition to this, several responsibilities like complete server setup, management, and maintenance are handled by the service provider. Shared hosting price is an appealing feature for small website owners with less traffic and novice bloggers. However, shared web hosting also has its own security concerns and flaws in the design, which can cause a serious threat to your website. With cyber threats evolving at a very high pace with newer and more vicious malware, the security front needs to be considered seriously. Understanding how security works on Shared Hosting will make it easy for you to optimize your website better. With some precautionary measures, you will be able to secure your website easily and effectively.

§  Stay away from untrusted sources and suspicious freebies-

 Sometimes, in the race to roll out new features and functionalities fast or simply to save money, security gets neglected. Downloading software from an untrusted third-party source or installing a “free” version of any paid software can give rise to various nasty problems. There are high chances of being infected with malicious code or codes that can steal your personal info, saved passwords or credit card info, etc. though tempting, it is better to avoid such untrusted sources and free offers.

§   Install and regularly update your security measures

A robust security solution will protect your website from several threats. In addition to an antivirus, installing anti-malware and anti-spyware software can help keep your website secure. However, the best security measure will be ineffective if you do not update it regularly. Updates not only add up features and usability but also come up with new security patches to combat new vulnerabilities and potential loopholes. Updating all your security applications and software will make it easy to fight newer threats efficiently. Make sure to stay updated with plugins, themes, and other add-ons to your website.

§  Regular backups- Backups can be your savior against cyber threats. Quick restore is possible in case of your website downfall by using the latest backup. Installing regular automated backups can be a great way to maintain regular backups of your website.

§  Select a reliable, renowned Shared Hosting provider-

Several providers offer shared hosting plans; however, be smart and never way plans just by shared hosting prices. Invest time in research and shortlist the best option offering the best features with security as a prime concern with free SSL, ability to upgrade to a paid SSL, additional software, etc.

Several other measures like examining the identity of new customers through different forms of proof, using DDoS protection, setting stronger passwords, regulating user roles and permissions, two-factor authentication, etc., can help your shared hosting.

To conclude, shared hosting has its benefits and if you want to take advantage of the service provided, what you need is to understand a systematic approach with precautionary measures. With a few steps, you can ensure your website’s safety and enjoy the benefits of hosting solutions.

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A case for investing in Equity Funds with your ULIP

When you are planning your finances, there are some investments you choose to secure your life and some to generate high returns. There are financial instruments these days that provide security along with investment, like a Unit Linked Insurance Plan (ULIP). A ULIP is a type of life insurance with an investment component to it. When you buy a ULIP policy, half of the premium amount you pay is used towards providing you with a life cover, and the other half is used towards investments. In case the policyholder loses their life during the tenure of the ULIP, they will receive a sum assured. It creates financial security for your loved one in your absence. However, if the policyholder has survived when the ULIP has matured, they will receive the sum of investment along with its return.

The fund performance of a ULIP is directly subjected to market volatility. For the investment part of ULIP, an investor has several benefits that most traditional programs fail to offer. If one has never invested in equity markets or finds it too risky, a ULIP is the perfect instrument to start with. Here are some reasons you should invest in equity funds through your ULIP-

  • High returns
    ULIPs that are allocated in equity funds are high risk and often offer high returns. When compared to other life insurance products with savings or investment components, a ULIP with equity funds offers much higher returns. Also, these returns easily beat the returns you get from traditional investments like Fixed Deposits (FDs).
  • Flexibility to switch funds
    When you are investing in ULIPs, based on your risk appetite, you have three options to allocate your funds in; equity, debt, and balanced funds. If you are afraid of putting all your money in equity, you can balance out the risk by investing in a balanced fund. In balanced funds, half of your money is invested in equity and the other half is invested in debt. So, the risk is moderate and so are the returns.You can also invest in equity funds initially and later switch to debt funds. Several investors prefer to switch from equity to debt during the time of maturity. They earn great returns from their equity allocations in the initial years and later, to reduce the risk, they invest the money in debt funds. The flexibility of switching your allocation accelerates the fund performance of ULIP as it helps one to mitigate the risks and make the most of market fluctuations.
  • Enables long-term wealth generation
    ULIP in the long haul helps in wealth generation through the power of compounding. It helps one to achieve their long-term financial goals like buying their dream house, their child’s education, or simply their retirement. Equity funds of ULIP offer high returns which in the long run can multiply with compounding. Use a ULIP plan calculator to get an estimate on the returns of your ULIP and to determine whether the investment is enough for your goals. With a goal-oriented approach, the investments and returns of ULIP would benefit one greatly in the long haul.
  • Allows partial withdrawal
    Traditional investments like FDs restrict partial withdrawals and one may have to break their FD to access the funds in it. With your ULIP policy, you can make free partial withdrawals after the lock-in period. The lock-in period for most ULIPs is five years. If you need to withdraw funds early before the lock-in period, you can, but you would have to pay certain fees for it. The feature of partial withdrawals is handy during times of emergencies.
  • Tax benefits
    ULIP is a tax-saving instrument where you receive tax benefits at every stage of your policy. The premiums that you pay for your ULIP are exempt from taxes under Section 80C of the Income Tax Act. Most insurance companies allow you to switch between funds at least two or three times, levying no charges. When your ULIP matures, the investment and returns that you receive are also exempt from taxes. Under section 10 (10D) of the Income Tax Act, the sum assured received after maturity and the life cover, both are tax-free.

The returns and flexibility of ULIP with equity funds have made it a more popular investment choice than most traditional investments. Planning your ULIP investments, using a ULIP plan calculator, and taking financial decisions, accordingly, will enable you to meet your long-term goals.

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Four ways to earn money without investment for retired individuals

Retired individuals have a wealth of experience and contacts. They can use this to their advantage and earn money in retirement. While there are many ways to earn money in retirement, only a few allow retired individuals to earn cash without investment. Here is a guide that details the different ways in which retired individuals can earn money without investment.

  1. Tutoring

Retired individuals have extensive knowledge of a concept or industry. They can use this advantage to help youngsters excel in the same field. Tutoring allows retired people to share their insights into an industry or concept with aspiring youngsters and earn money through it. The amount of monthly income earned through tutoring varies based on factors, such as the tutors’ experience and the background of the incoming students.

  1. Using referral apps

Real money earning apps, such as the MyFIRST Partner app, can enable retired individuals to tap into their contacts and earn money without investment. These apps do not attract charges yet allow you to make over ₹40,000 a month. They’re easy to use, so retired individuals will not have any problem getting to grips with the applications.

The signup process for such apps is straightforward as well. If you are looking to connect with the MyFIRST Partner app for earning money, here is what you need to do:

  • Gather the essential documents, such as your PAN card and Aadhaar card
  • Download the MyFIRST Partner app from the Play Store or App Store
  • Upload a clear photograph
  • Update your personal information and upload a copy of the required documents
  • Enter your bank details
  • Verify your details using an OTP

Once you complete these steps, your registration will be complete. You can begin earning through the MyFIRST Partner app. The program allows you to earn 1.5% of every successful loan disbursal. Hence, the more loans your contacts get, the more you will earn.

  1. Writing books

Retired individuals are masters of a concept or industry. They have an in-depth understanding of what makes a successful product or business. They can share this knowledge by writing books and selling them via offline and online portals. Besides helping earn money with zero investment, writing books is also a great way to help youngsters. It can serve as motivation and help them excel in their future endeavours.

  1. Becoming a consultant

Another way retired individuals can leverage their experience is by becoming a consultant. It is not a full-time job but still pays well. They can advise companies on crucial business decisions and projects, helping them scale quickly. Depending on the industry and company, consultants can receive over one lakh.

These methods can help earn money in retirement as well as enable retired individuals to share their experiences for others’ benefit. Their knowledge and expertise can play a valuable role in shaping the future of youngsters and the country.

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How to grow your online business by getting personal loan referrals?

Online business is growing in popularity with more and more people opting for remote working. Being an entrepreneur gives you numerous ways to earn money online, but not all are quite productive to help you grow your business. A personal loan referral program can be a wise choice if you want to earn more without investing any money.

Most banks and financial institutions turn to their customers to get more business for their financial products. With a refer and earn program, you get a chance to increase your income and profit in business. You are paid for every qualified referral you get for the personal loan product. IDFC FIRST Bank offers you an online business opportunity to earn more money through its personal loan affiliate program.

With the MyFIRST Partner App, the bank helps you become a referral partner without any investment. You need to refer the people who you know for personal loans. Such referrals should be eligible for the loan and apply online. IDFC FIRST Bank offers one of the best money-earning apps in India for entrepreneurs, housewives, travel and insurance agents, and financial advisers to start an online business and work anywhere, anytime.

Here’s how IDFC FIRST Bank’s personal loan referral program helps grow your business.

  • Join the referral program

The MyFIRST Partner App from IDFC FIRST Bank is one of the highest-paying referral apps in India. To become a part of it, you have to download it on your mobile from the PlayStore or App Store. The app requires you to register by submitting your personal details such as your full name, age, date of birth, mobile number, email address and PAN Card, and Aadhaar Card details. You are also required to upload the documents like:

  • A passport-size photo
  • Scanned copies of your PAN Card and Aadhaar Card or Voter ID
  • Your bank account number and IFSC Code
  • GSTIN details, if any

You need to verify the documents by providing the one-time password (OTP), which you will receive on your registered mobile number.

  • Have as many referrals as you can

The success of your online business depends on the revenue you receive. You need to get more personal loan referrals to become successful in referral marketing. For that, you have to devise the right strategy. Identify your family members, friends, colleagues, and neighbours who are active in social circles. They can help connect you with their friends and relatives.

Talk to them about your new venture and how you can help them during a financial emergency. Most prospective referrals look up to you for solutions to their problems or better alternatives.

When in a social circle, you come across people looking for financial help to pay for children’s education, home renovation, holidays, marriage, debt consolidation, and medical expenses.

Being responsive and sincere to their questions will help you build long-term relationships with people.

  • Assist your referrals in getting a personal loan

Instant personal loans from IDFC FIRST Bank are offered to individuals and self-employed people. They can be easily applied online. The MyFIRST Partner App facilitates easy applying of personal loans up to Rs 40 lakhs at a flexible repayment schedule. All you have to do is to fill out the applicants’ personal details and upload the scanned copies of PAN Card and Aadhaar Card and the last 3-month bank statement.

The online application is processed quickly with a relationship manager taking the process ahead until the loan amount is credited to the applicant’s account.

  • Receive compensation and exciting rewards

With every loan amount disbursement, you will receive some percentage of money credited to your bank account every week. In addition, you can also earn incentives and rewards for high-quality referrals.

You can take your online business to the next level with the unlimited earning opportunity offered by the MyFIRST Partner App. It’s time you use this earn money from Internet opportunity now.

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Calculate Your SIP Amount And Portfolio Value With An Online SIP Calculator

Deciding to invest in a mutual fund through the Systematic Investment Plan (SIP) option is a good call. To make it a great call, you should use an online SIP calculator to know the right SIP amount you should choose as well as the portfolio value that you can expect.

What is a SIP mutual fund calculator?

A SIP mutual fund calculator allows you to accurately determine the amount you need to save and invest to meet your financial goals. For instance, if you are investing in a mutual fund to buy a car after three years and you need Rs 8 lakh, an online SIP calculator will tell you how much you need to begin investing monthly from now on to reach that goal in your desired timeline.

A SIP mutual fund calculator estimates the kind of returns you will earn on your mutual fund investment and gives you a projected portfolio value at the end of your investment period. This helps you have a fair idea of how much your money will amount to and allows you to compare your mutual fund investment with other investment options to see if that’s the investment best suited for this specific financial goal of yours.

How to use an online SIP calculator?

You can find a SIP calculator on most of the Asset Management Companies (AMC) official websites. Here are the things that you need to enter:

  • SIP or lumpsum investment
  • Monthly investment amount
  • Expected rate of return
  • Period in years

Here is what the result will include:

  • Total invested amount
  • Estimated returns amount
  • Total portfolio value

You can try various permutations and combinations of the monthly investment amount and the period to arrive at a total portfolio value that will allow you to meet your financial goals. As for the expected rate of return, you should look at the factsheet of the mutual fund schemes that you have zeroed in on.

Online SIP calculators tend to use this formula:

Portfolio value = P [(1+i)^n-1]*(1+i)/i]

P = SIP amount you invest
i = The rate of interest
n = The number of SIP payments you make

Things to keep in mind when using a SIP calculator

When using a mutual fund return calculator, it’s important to note the following:

  • You can use it for both a lumpsum investment as well as a SIP investment in mutual funds
  • Most mutual fund calculators do not have the option to account for inflation
  • Your portfolio value should be adjusted for the inflation rate to give you a real estimate of its worth at the end of the investment period
  • The SIP portfolio value does not account for the expense ratio and the exit load, if any
  • The rate of return is only a rough estimate, and your actual returns may differ depending on the market conditions

Final thoughts

Strategic planning is the key to personal finance and an online SIP calculator helps you do just that. By helping you figure out the ideal investment amount and tenure based on your financial goals, it gives you a clear way forward. It also takes away the headache of having to manually calculate your estimated returns and investment value when you invest in a mutual fund.

The MF calculator is a quick and convenient investment tool that you should make sure to use before you invest in any mutual fund scheme. Using it during the initial steps of financial planning and when comparing different investment options and strategies can be beneficial.

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