Chartlearnx Education Loan

Education loan

An education loan aims at sponsoring the college expenses of an individual. Anybody who wishes to study abroad or even in a domestic educational institute can opt for a student or education loan from any of the recognized banks.

The basic motive behind the concept of education loan was to help the aspirants economically and not let them murder their dreams due to some economic constraint. Added to this, such loans have only helped many of the students in going overseas without worrying about any financial limitations.

Education Loan functions by helping students with their tuition fee, dorm room fee, laptop, books, stationary, travel for as long as they are studying in a college.

And you start repaying the principal portion of the education loan six months to a year after finishing the course, or when you get a job, whichever is earlier. The repayments include a tiny sum of interest along with the original loan amount.

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Chartlearnx Personal loan Education

Personal loan

A personal loan is a high secured loan and helps you meet your current financial needs. You don’t usually need to pledge any security or collateral while availing a personal loan and your lender provides you with the flexibility to use the funds as per your need. Personal loan can serve as your solution for managing your travel costs and wedding expenses as well as the expenses of a medical emergency, home renovation, debt consolidation and others. Online personal loan offers India's fastest personal loan with instant approval and disbursal within just 24 hours. Learn about your personal loan eligibility, use the personal loan Emi calculator and apply for personal loan just few easy steps! Think it.

                                            

For what purposes can it be used? 

It can be used for any personal financial need and the bank will not monitor its use. It can be Utilized for renovating your home, marriage-related expenses, a family vacation, your child's education, purchasing latest electronic gadgets or home appliances, meeting unexpected medical expenses or any other emergencies.

                                                        

Maximum loan duration

Personal loan can be 15 to 60 months or 1 to 5 years. Shorter or longer may be allowed on a case by case basis, but it’s rare

Interest loan

As there is no collateral of any asset like Home, Car done, the personal loans carry higher interest rates than say secured loans like Home Loan, Loan against property or Car Loan. This is due to higher risk carried by the Bank/NBFC in granting them. Personal loan interest rates generally vary from around 11% up-to 33% depending on the Loan amount, Credit Score.

                                                          

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Chartlearnx financial education

Introduction :- Financial Education is the possession of the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources.

                                    

Importance of Chartlearnx Financial Education 

• Financial education is increasingly important investors. It is becoming essential for the average family trying to decide how to balance its budget, buy a home, fund the children’s education and ensure an income when the parents retire. 

•  Chartlearnx financial education can benefit consumers of all ages and income levels. For young adults just beginning their working lives, chartlearnx can provide basic tools for budgeting and saving so that expenses and debt can be kept controlled.

• Chartlearnx financial education can help low-income people make the most of what they are able to save and help them avoid the high cost charged for financial transactions by non-financial institutions.

• Chartlearnx Financial education enables people to understand what is needed to achieve a lifestyle that is financially balanced, sustainable, ethical and responsible. chartlearnx also helps entrepreneurs leverage other people’s money for business to generate sales and profits.

• Chartlearnx helps individuals become self-sufficient so that they can achieve financial stability. Those who understand the subject should be able to answer several questions about purchases, such as whether an item is required, whether it is affordable, and whether it an asset or a liability.

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Pros-And-Cons-Of-Trade-Deficit

The country's current account deficit widened to 2.5% of GDP in the third quarter of the current fiscal from 2.1% a year ago, primarily on account of a higher trade deficit though the foreign exchange reserves continued to soar.

Releasing the data on balance of payments, the Reserve Bank said that in absolute terms, the CAD or the gap between inflow and outflow of FX in the current account was USD 16.9 billion in October-December 2018, up from USD 13.7 billion in the year-ago period. 

The RBI said friday, For the reporting week, foreign currency assets -- a major component of the overall reserves -- increased by USD 1.031 billion to USD 378.805 billion.

The CGA said it stood at Rs 8.51 lakh crore as against the revised estimate (RE) of Rs 6.34 lakh crore for the entire year, As regards the fiscal deficit data for April-February 2018-19.

The government's tax revenue stood at Rs 10.94 lakh crore and non-tax revenue was Rs 1.7 lakh crore. 

Commenting on the CGA data,the chief economics, Devendra Kumar Pant India Ratings and Research said slow pace of tax collection would keep pressure on fiscal deficit. 

A higher GDP number than the one used in budget will help government move closer to FY19 fiscal deficit at 3.4% of GDP, he added. 

The finance ministry also announced the government's market borrowing Programme through dated securities and treasury bills for the first half of the next fiscal beginning April 1 .

Gross borrowing in the first half of the 2019-20 fiscal has been pegged at Rs 4.42 lakh crore. 

The remaining Rs 2.68 lakh crore or 37.7 per cent of the total gross borrowing would be raised from the markets by floating government bonds and treasury bills during October-March period. 

The net borrowing in the first half (April-September) would be Rs 3.40 lakh crore. The second half net borrowing would Rs 1.33 lakh crore due to a buyback of Rs 50,000 crore.

Pros :-The deficit, however, had moderated to USD 19.1 billion or 2.9% of GDP in the preceding quarter (July-September). 

The RBI said in statement "The widening of the CAD (current account deficit) on a year-on-year basis was primarily on account of a higher trade deficit at USD 49.5 billion as compared with USD 44.0 billion a year ago," .

Portfolio investment recorded net outflow of USD 2.1 billion in third quarter of 2018-19 – as compared with an inflow of USD 5.3 billion in corresponding period of last year – on account of net sale in the equity market, the RBI said. 

Cons:-Portfolio investment recorded net outflow of USD 2.1 billion in third quarter of 2018-19 – as compared with an inflow of USD 5.3 billion in corresponding period of last year – on account of net sale in the equity market, the RBI said. 

Another set of RBI data showed India's FX reserves continued to surge for the third week in a row, adding USD 1.029 billion at USD 406.667 billion in the week to March 22. 

CAD increased to 2.6% of GDP during the April-December 2018 period, from 1.8% in April-December 2017 on the back of widening of the trade deficit. 

                

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Technical-Analysis-For-Day-Trading

PE (Private Equity) and VC(Venture Capital) investments in the country stood at american currency $20.5 billion across 786 transactions in 2018 on account of tech-enabled start-ups, e-commerce and information technology-enabled services, according to a report by Grant Thornton. technical chart indicators analysis was the same as the investment trading in the preceding year, the assurance tax and advisory firm said by Chartlearnx.

“in this year the top trending themes were revival of start-ups, continued uptick in control deals and larger bets, and increased focus of sovereign trading funds towards Indian assets. Start-ups accounted for 59% of the total Private equity investments recorded in 2018 by values and 26% by volume,”Vrinda Mathur said the partner of Grant Thornton India LLP. In terms of the size of investments, the sharp increase in the Private Equity and Venture Capital funding was due to 47 deals valued at USD 100 million or greater.

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EDUCATION TRADING PLATFORM CHARTLEARNX

In Indian currency rupee fell 10 paise to 68.98 against the US dollar in early trade Thursday on increased demand for the greenback from importers and banks.

On the International interbank forex market, the rupee opened lower at 69.04 and weakened further to 69.06. However, it recovered partially to quote 10 paise down at 68.98 against the dollar at 0924 hrs.

On Wednesday, the Indian rupee had weakened marginally by 2 paise to close at 68.88 against the Currency of US dollar.

Forex dealers said, strengthening of the US currency in overseas market weighed on the domestic currency.

However, sustained foreign fund inflows and higher opening in domestic equities supported the rupee and restricted the fall.

Foreign institutional investors (FIIs) remained net buyers in the capital markets, putting in Rs 1,481.11 crore Wednesday, as per provisional data.

Meanwhile futures, the global oil benchmark, fell 0.19 per cent to trade at USD 67.70 per barrel.

Due to Fall in Indian rupee and US Dollar rallied in early trade on Thursday, with benchmark indices Sensex trading 115.41 points up at 38,248.29 and Nifty at 11,477.60 points, up 32.55 points.

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