Finance

A sudden financial emergency can hit you at any moment. Be it a medical emergency or a big-budget purchase, unforeseen expenses are unavoidable. Running from one place to another to secure money in these circumstances can be stressful. This was the scenario a few decades ago, but today, with easy financing and instant personal loans, financing has become amazingly simple. With the personal loan app, you can apply for a personal loan and get the amount credited to your account within minutes.

Unlike other types of loans, a personal loan is an unsecured loan and does not ask you to submit any collateral. So, to check whether you are a worthy candidate or not, the bank has a list of eligibility criteria and asks for you to submit some mandatory documents. Individuals who are salaried and self-employed must meet different qualifying requirements and submit relevant documentation. For better understanding, we have provided all the necessary information on personal loan eligibility and documentation if you are applying from a new loan app.

What Are Personal Loan Eligibility Criteria?

Though every lending institute may offer different rates of interest their eligibility criteria are similar to one another. Here’s a list of eligibility criteria for salaried and self-employed individuals.

• Age: You must fall between the age range of 21 to 58.
• Citizenship: You must be a citizen of India.
• Occupation: Open to both salaried and self-employed individuals
• Work Experience: As a salaried employee, you need to have been working for at least six months. In case, you are a self-employed employee, you need to have been in your current industry for at least two years.
• Monthly Income: You must earn at least ₹15,000 every month.
• Maximum Loan Tenure: The repayment terms can be extended up to 60 months.
• Maximum Loan Amount: Usually you can apply for a loan of up to ₹ 5 lakh, but some lenders may offer you an amount than that depending on your profile.

What Are the Factors Affecting Your Eligibility Criteria?

Here’s a list of factors that affects your eligibility criteria for a personal loan:

• Credit History: Your ability to obtain a personal loan will depend on your credit score and credit history. This element will influence the interest rate, loan term, and loan amount you are eligible for.
• Age: Each lender has an age requirement that you must meet to continue the application process. The most common age criteria are between ages 21 to 58.
• Housing situation: Your chances of getting your application accepted are better if you live in your own residence. The cause of this is that renting reduces your discretionary income, which diminishes your capacity to repay.
• Your location: Your residence’s location is an important factor in establishing your eligibility for a personal loan.
• Organization: Your employer will also have an impact on your ability to obtain a personal loan. You come off as having steady employment if you work for a well-known corporation with a strong reputation.
• Existing Credit: Your possibilities of obtaining a new loan will be reduced if you have already taken out a personal loan, to improve your chances, you must pay it back on time.
• Salary: The amount of the loan for which you would be qualified will depend on your income level. Your ability to obtain a personal loan will also be influenced by your income. So, try to maintain a steady income.

What Documents Should You Keep Handy While Applying for a Personal Loan?

Here’s a list of documents you will need to apply for a personal loan as a salaried individual:

Mandatory Documents

• Application form
• Coloured passport-size photo

Identity Proof (any one)

• Aadhaar Card
• Passport
• License
• PAN Card

Residential Proof (any one)

• Passport
• Drivers License
• Ration Card
• Utility Bill
• Aadhaar Card

Income Proof

• Form 16
• A six-month salary slip
• Six-month bank account statement

Residence Ownership Proof

• Property paperwork
• Power bills
• Maintenance bills

Job Continuity Proof

• Current employer letter of employment
• Experience certificate from the previous employer

Now have a look at the list of documents necessary for a Self-employed Individual:

Mandatory Documents

• Application form
• Coloured passport-size photo

Identity Proof (any one)

• Aadhaar Card
• Passport
• License
• PAN Card

Residential Proof (any one)

• Passport
• Drivers License
• Ration Card
• Utility Bill
• Aadhaar Card

Income Proof

• Form 16
• A six-month salary slip
• Six-month bank account statement

Office Address Proof (any one)

• Property documents
• Rent agreement
• Maintenance bill
• Utility bill

Business Existence Proof

• Copy of tax registration
• Proof of shop establishment
• Certificate of company registration

Conclusion

Eligibility criteria and documentation are critical components of the personal loan application process. Your loan will be accepted only if you meet the qualifying requirements. Once you have met the qualifying requirements, you must submit your papers for verification. Once the verification is over, your decided loan amount will get deposited in your bank account and can fulfill all your financial needs.

Retail investors can be divided broadly into two – large-scale and small-scale investors. Large-scale investors are the ones who put a significant amount of money into their investments regularly. Investing could be more than a passive money-making option and rather a part-time for them. But most of the retail investors in India consist of small-scale investors. These include investors who put in a smaller portion of their salary every month in investment options like mutual funds through tools like SIPs. These groups of investors may not be as knowledgeable as large-scale investors, and they mostly look for an easier investment option. That is one reason why many small-scale investors choose multi-cap funds. But what are multi-cap funds, and why are they chosen more? Let us find out.

The need for balance

A balanced portfolio is often the most sought-after quality of an investor. Such a portfolio can ensure that your investment is appreciated and, at the same time, protected. Now, small-scale investors who cannot spend a lot of time perfecting their portfolios regularly will look for easier options to invest in a balanced portfolio. That is where mutual funds come in. They, by default, have a portfolio that is more or less balanced. But different mutual funds will have different characters, and the balance will defer too. For instance, an equity mutual fund will have more equity presence, and the balance will be affected by this too. One reason why multi-cap funds are chosen more could be because they can give you a well-balanced option by default. By how? Let us find out.

Categorization of mutual funds according to market cap

Mutual funds are categorized in multiple ways. Which, one important categorization is based on the market cap of the companies they focus on. Market capitalization, also known as market cap, is the total value of all the shares of a company. It is a dynamic figure and it is calculated by multiplying the number of stocks by the price of each stock. For example, if a company has Rs.1 lakh outstanding shares, the price at Rs.10 at this point, then the market cap of the company is Rs.1 lakh * 10  = Rs.10 lakh.

Large-cap funds

Large-cap funds are those that invest in large-cap companies. Large-cap companies are comaparitevly a safe investment option. This is because they are huge and have already attained stability. Investing in them tends to give you steady buy lower returns.

Mid-cap funds

Mid-cap funds invest in mid-cap companies mainly. Mid-cap companies are not as large as large-caps but they are still considerably big. Investing in them gives considerably stable returns but there is a higher potential for growth as they may still have space to grow. At the same time, they come with slightly higher risk as well.

Small-cap funds

All companies that are too small to be included in the above two categories are called small-cap companies. Small-cap funds invest in them. Investing in small-cap funds comes with a higher risk but they have a higher chance for growth as well.

Conclusion

A perfectly balanced portfolio with companies from the above three market cap categorisations is hard to create manually. This is mainly because the characteristics of these companies could change and it could be hard to monitor regularly.

But multi-cap funds are a solution here. They invest in companies of all three market caps to create a good balance. This balanced portfolio should be able to protect and at the same time, appreciate your corpus. This could be the most important reason why more small-scale investors choose multi-cap funds.

Periodically checking your CIBIL score is crucial for maintaining good credit health. CIBIL score is one of the major factors that impact your eligibility for availing financing, including personal loans. Having a strong score of 750 and above can make you an eligible candidate for an affordable personal loan offer. On the contrary, a low CIBIL score may make it challenging for you to get loan approval at favourable terms and conditions. However, getting approval with a low CIBIL score for a personal loan is not impossible if you follow certain tips.

Four tips to avail a personal loan with a low CIBIL score

• Opt for a low loan amount

Usually, lenders hesitate to approve personal loan applications if you have a low score as it indicates poor credit history and incapability to meet Equated Monthly Instalments (EMIs) on time. When you have a low credit score, applying for a low loan amount may work in your favour. This is because a low loan amount reduces the lender’s risk, which indirectly boosts your loan approval chances. To know the loan amount you should apply for as per your repayment capacity and eligibility, you can use a personal loan EMI calculator.

• Apply with a guarantor or co-applicant

As low CIBIL scores indicate a higher default chance and an enhanced credit risk for lenders, applying with a joint applicant can help. Adding a guarantor or co-applicant shifts the liability of your loan repayments on them if you default on the personal loan. Owing to this reason, the lender’s risk reduces, which makes them less hesitant to approve your personal loan application despite a low credit score. However, keep in mind that your co-applicant must have a high income and a good CIBIL score.

• Show all your sources of income

Your monthly income directly indicates your repayment potential. Usually, a high income with lesser monthly obligations indicates that you have the required funds to meet your EMI payments. As a result, lenders might approve your application even if you hold a low CIBIL score. However, before you hit on the personal loan apply button on the lender’s site, ensure you have a reliable and steady income source. Besides your salary, you may also earn from other sources such as freelance work, rental properties, investments, and more.

• Check if your credit report is up to date

Sometimes, the details in your credit report may not be up to date or there may be incorrect details in your report that may result in a lower credit score. In such cases, you must instantly report the discrepancies to the concerned authorities for correction. Rectifying such mistakes can increase your CIBIL score.

Ending note

Once you apply these tips, make sure to compare loan offers by different lenders so that you can get a good personal loan interest rate. Also, while you can get a personal loan despite a low credit score, work on improving your credit score over time as it will help you when applying for other loans in future.

Investments in the market are taken with the aim of earning extra revenue. People want the said extra revenue because they believe that the money will help them to take care of their day-to-day expenditures after retiring. But, before starting with your investment journey, it is imperative to remember that the act of investing is considered a long-time commitment and moreover, this action will help you with acquiring long-term wealth. When it comes to fund allocation, the income earned from the investment plans is as good as you build. For getting the portfolio right, you must get the allocation of assets i.e., equity, debt, and commodity, aligned with your investment objectives.

To build the portfolio in the right way, it is imperative that you are required to spend sufficient time studying the market and scrutinising all asset classes. After that, you should determine the level of fund allocation. It is common knowledge that several factors are known for having an impact on market sentiments, resulting in sharp variation in performance. Trying to keep up with all these factors, may not be easy for new investors. That’s where exchange-traded funds, i.e., ETFs can be helpful.

What are exchange-traded funds (ETFs)?

An example of a scheme that follows the passive investment strategy, exchange-traded funds (ETFs) is known for being shared investment tools that are known for functioning by both tracking and replicating an index. The index then can allocate funds to various asset classes like gold, debt, and equity.

Generally, these funds are known for tracking things like a sector, or a particular index.  However, the one way they are different from mutual funds is that exchange-traded funds can be either purchased or sold on an exchange just like stocks.

How do ETFs work?

ETFs are variants of mutual funds that are listed and traded on the stock exchange. This scheme can be both bought and sold with the help of an exchange just you do it with stocks. While most ETFs are generally known for being passively managed, there are some of these schemes that are actively managed as well. A portfolio for passive ETF is built in such a way that it can track an index such as the NIFTY 50. The NIFTY 50 can be defined as the index which is known for allocating funds to 50 of the largest Indian companies that are listed on the National Stock Exchange (NSE).

Moreover, ETFs may even track an index that is known for representing a sector (like NIFTY Pharma), or a commodity like gold. It is also important not that ETFs are also known for having symbols, like how it is possible to identify a company’s share by a specific symbol. For instance, on the exchange, it is possible to identify the IT company Infosys through the symbol INFY. Therefore, while looking up the share price of Infosys, all you need to do is look for ‘INFY’. Similarly, ETFs come with a specific ticker symbol as an identifier. With the help of this symbol, you can determine the ETF and find its current price. It is also important to note that there are different variants of ETFs that are available in the market as investment options. The said variants of exchange-traded funds are:

• Equity ETFs:

This type of ETF is known for tracking broad market stock indices such as the BSE SENSEX or NIFTY 50. Apart from that, there are some international ETFs that follow the popular index of global markets such as Hang Seng and NASDAQ 100. If you are fresh in the world of investing, equity ETFs will help you to take the first step in equity investing. They do so by providing you with a flavour of what investing in stock markets feels like. By signing up for such an ETF, you will also get a chance to own all stocks that are part of a popular index and help their portfolio post near index-matching returns.

• Debt ETFs:

Debt ETFs expose your investments to debt securities such as corporate bonds, government securities, commercial papers, and many more. They are known for tracking a debt index which, at times is specifically designed for the ETFs.

ETFs are known for being low-cost investment options. An ETF can also be used for exposing your funds to any market, asset class, or commodity.

It is quite possible to face a cash crunch at a time when you have certain expenses lined up. This could be anything like taking a spontaneous trip, renovating your house, funding a wedding, consolidating debt, or even paying for medical bills. In such cases, one useful solution can be to apply for a personal loan online and immediately arrange for the required finances.

However, before applying for a personal loan, it is important to make sure that the lender is offering favourable loan terms. This is to ensure that the loan can easily be repaid without any unnecessary financial struggles. If you are thinking of getting a personal loan, go through the following tips that can improve the chances of lenders offering favourable loan terms:

• Consider your average account balance

A lot of people are unaware of the fact that financial institutions conduct credit appraisals where they consider their applicants’ average account balance. Lenders even consider the transaction pattern and if they find that the account’s outflow is much higher as compared to the inflow, they might hesitate to approve the loan application. This is why it is essential to have a healthy average account balance and not take out all the funds from the account as soon as your salary gets credited.

• Avoid applying for multiple loans at the same time

There are a few applicants who apply for several personal loans from various financial institutions to cover their expenses. However, doing this is never a good idea as applying for multiple loans at the same time makes an applicant look credit hungry. This is why you should always check with the lender regarding their personal loan eligibility criteria and documentation requirements as these could differ as per each financial institution’s terms and conditions. By being aware of the lender’s requirements, you will be in a better position to know whether your application would be approved or not. Based on this, you can decide whether to apply for the loan or look for another lender, which can keep you from sending out multiple loan applications.

• Declare all additional sources of income

An applicant’s income is a major factor based on which lenders decide whether to approve or reject them for a loan. Now, if you are earning an income from some additional sources such as rent, freelance work, or even a part-time job, make sure to declare these sources as this can improve your chances of getting favourable loan terms.

• Improve your credit score before applying for a loan

Any financial institution will check an applicant’s credit score before approving their loan application. Ideally, it is always considered best to maintain a credit score of 750 or more before applying for a personal loan. Borrowers with good credit scores have better chances of getting favourable terms such as a lower personal loan interest rate.

Lastly, make sure to use a personal loan EMI calculator as this tool would help in displaying the loan’s Equated Monthly Instalment (EMI) payments. This would help in understanding whether the loan terms offered by the lender are favourable or not.

A wifi network is extremely useful. There are multiple uses when it comes to your broadband connection. Starting from all kinds of your work-from-home needs, video calls with friends, binge-watching and more – broadband is there for you always. But, just as important as your broadband connection, is the router.

When you think of it, the router is the piece of technology that makes your broadband connection come to life. Without a properly working router, you would never be able to make the most of your broadband connection. Therefore, getting the right router is equally significant for all. And yet, many network providers that are out there do not provide a free router with their services. You may ask why? To be frank, we have no idea either.

Here’s your chance to get a free router, with Airtel broadband

Now, are you worried that you will be forced to spend on a whole new router all by yourself? Worry not, because we have exactly the right solution for you. We suggest you choose Airtel broadband as your preferred wifi connection. The advantage here is that you will finally get a broadband network that offers you with a free router. Isn’t that incredible!

The router that you get from Airtel is of world class quality and has been designed to meet your exact needs. In addition, there are far more benefits to choosing Airtel broadband than you may have previously thought of. What are they? Find out below.

Benefits of choosing Airtel broadband

Unlimited internet

With Airtel broadband, you will get unlimited broadband internet connectivity. That’s right. You can use your wifi as much as you want, and you will never have to worry about exhausting the limit. In addition, the unlimited internet benefit is available on each and every plan. Therefore, you can now binge watch even more shows, play video games longer and be on that video call with your friends for longer durations.

Up to 1 Gbps internet speed

What is the point of a wifi connection if you do not get the internet speed that was promised to you? Thankfully, at Airtel broadband, you will get the exact broadband speed promised. Here, your wifi speed can reach up as high as 1 Gbps. That means, a movie of 1 GB size can now be downloaded within just a few seconds!

However, you should keep in mind that the internet speed on your broadband connection depends on the plan that you have chosen. Naturally, if you go for a plan with a higher wifi price, you will be able to get a better internet speed.

Free OTT benefits

OTT applications are extremely popular nowadays. That’s why, Airtel has decided to bundle in OTT subscriptions with the Airtel broadband plans, completely free! You can get Disney+ Hotstar, Amazon Prime Video and Netflix subscriptions at steal deals. However, you have to keep in mind that the OTT benefits do depend upon the plan you choose.

Furthermore, there are many other benefits of choosing Airtel broadband. Thus, stop searching for broadband connection near me, and get your free router with Airtel today!

Investing in the markets can help you in accumulating wealth in the future. But the question remains, “why to invest in the market?”. That’s because the income earned from full-time employment might not be enough. While there was a time when the monthly income was enough, nowadays they may not withstand the inflation of the future. That’s the investment tool referred to as mutual funds step in. One may think that for investing in mutual funds, you need to make a one-time lump-sum payment, but that’s not the case if you don’t have the access to the required amount.

To invest in mutual funds, there are two investment modes that are available. There is a lump-sum investment mode. Under lump-sum, you are expected by the AMC to make a one-time payment for the mutual fund scheme. This mode of payment is suitable for you only if you have access to the required funds. The other investment mode is a systematic investment plan or SIP. These plans work the complete opposite of lump-sum investment.

What is a SIP?

A systematic investment plan is an investment mode through which a portion of your monthly income isinvested in mutual fund schemes every month, in place of investing the entire amount at one go like it is done in a lumpsum investment. Investments in SIPcan either be scheduled monthly, quarterly or even semi-annually. Afterinvesting gradually through SIPs, it can become relatively easier to achieve your financial goals.

Asystematic investment planenables you to purchase a certain number of fund units. Irrespective of the market conditions, if you were to continue investing in the fund for a long time, you end up accumulating a considerable amount of wealth.After determining things like the tenure and frequency, you can choose to leave a standing instruction with the bank. With standing instruction, you can choose to automate your investments.By leaving the said instruction, every month, a certain sum is deducted from your bank account into the mutual fund SIP of your choice.

How do they work?

Through a SIP, a fixed sum of money is invested in a specific period. Through these investments, you purchase a certain number of fund units. If you were to continue for a long time, you can invest in the fund during both, the highs and lows of the market. Simplyput, you are not required to time the market to make your investments. The action of market timing can berisky as one can invest at the wrong time. On the other hand, SIP investments remove this factor of unpredictability. Afterdetermining the investment tenure and frequency of investment, you can choose to automate your investments. Leave a standing instruction on your bank to transfer the amount directly from your bank account into the mutual fund scheme of your choice, on a fixed date.

Are there any rules that you need to follow?

Yes, there are some rules that you can follow to make sure that your SIP works in your favour:

1. Start as early as possible:

That is the cardinal tip for all kinds of investments. The earlier you start investing, the more you earn returns on your investments. That feature is referred to as the power of compounding.

2. Be disciplined; continue investing regardless of the market conditions:

It is also very important to be disciplined while investing in SIPs. After opting for a SIP, please ensure make surethat you don’t discontinue the SIP or even miss on SIP contributions for that matter.If you were to terminate the SIP whenever the market is going through a volatile phase, then the long-term wealth creation will be grossly impacted.

3. Please make sure to reviewthe performance of the fund:

You also need to monitor your SIPs on a regular basis. As SIP is known for coming with the potential to offer inflation-beating returns, you need to check if your assumptions about inflation in the future are correct.Doing so will give you an insight if you could be right or overestimated your return assumptions.

A mobile netbanking app is a tool that allows you to do more than deposit and withdraw money. You can open a savings or current account, open a fixed deposit account, apply instantly for a personal loan, and track our transactions 24/7. Let us look at the various services that mobile netbanking apps offer and discover the features of IDFC FIRST Bank’s mobile banking app.

How to open a savings account via mobile net banking?

To open digital savings account with any bank via mobile net banking, you generally need an internet connection, your KYC (Know Your Customer) documents, and a smartphone enabled with a camera for video KYC. The procedure to open an online saving account with the IDFC FIRST Bank mobile banking app is simple and is as follows:

• Download and install the IDFC FIRST Bank mobile banking app
• Log in via your user ID, password, mobile number, or MPIN.
• Log in subsequently for mobile banking through face ID or thumb.

How to use themobile net banking apps for current and savings accounts?

Digital banking apps help you access your bank’s mobile net banking services, including account opening. Here are the various features of the app and the services that you can access via mobile banking:

• Online account opening: Via mobile net banking services, you can open a new online bank account – savings or current – anywhere and at any time.
• Easy money transfers: With a mobile netbanking app, you can carry out easy money transfers via NEFT (National Electronic Funds Transfer), IMPS (Immediate Payment Service), or RTGS (Real Time Gross Settlement).

• Instantly apply for a personal loan: You can also apply for an instant personal loan through a mobile banking app. IDFC FIRST Bank’s mobile banking app, for instance, helps you apply for a personal loan and receive the funds within a few hours.

• SMS/WhatsApp banking: Mobilenet banking helps you get instant notifications and track your transactions via SMS or WhatsApp. You can get answers to quick account queries in real-time and quick access to your account and loans. You can also block your debit card or stop cheques via this option.

• Video banking: Certain mobile netbanking apps facilitate video banking, too. It can help you resolve your queries via videoconferencing. IDFC FIRST Bank’s mobile banking app also offers this feature.

How to register for the IDFC FIRST Bank mobile netbanking app online?

You can register as a customer to avail yourself of IDFC FIRST Bank’s consumer banking services via its mobile banking app in six simple steps:

• Download the IDFC FIRST Bank mobile banking app and register yourself with your registered mobile number.
• After entering your register number, you need to provide your Customer ID. Your customer ID can be found in your welcome kit, the welcome email that you would have received from IDFC FIRST Bank or on account statements shared by the bank on your registered email ID.
• Authenticate your account with your account number. Your account number, like your Customer ID, can be found in your welcome kit, welcome email, or on account statements shared with you on your registered email address.
• Verify your registered mobile number on the current banking app by entering the OTP sent to that number.
• A 4-digit MPIN helps you log in to the new mobile banking app faster. Set up your MPIN to enable quick logins.
• Your mobile banking is now set up. As a final step, check whether you can log in securely with your MPIN.

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.