Easy Loan - Personal Loan, Home Loan

Easy Loans is a must have mobile application for all India customers. This app will provide a seamless integrated view of all your loans with us. The Application has been designed to offer convenient login process, easy navigation and ease of usage.

In India almost everyone are making utmost use of the opportunity of loan. This will not just help in short term and long term financial needs but will also generate a lot of tax benefits. There are many types of loans available in India. It is said for almost anything and everything this is used nowadays. Getting a loan is very simple and it can be used for purposes like business, marriage, medical, education, debts, household, two wheeler, car, holiday, for purchase a house, home renovation and others.
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Purposes of Easy Loan:
• Mortgage
• Home Equity Line of Credit
• Auto Loan (New and Used)
• Boat Loan
• Recreational Vehicle Loan
• For home improvements
• For travel
• For wedding purposes
• To buy a car
• For business expansion
• Medical treatment
• Higher education at outside country
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Features and Benefits of Easy Loan:
• Adjustable Repayment terms are available from 3 up to 30 years.
• Easy Loan can be used for any Purpose.
• Quick loan approval with low arrangement fees
• Low interest rates and other charges
• Best option for Home owners who have poor credit history
• Easy way to borrow large amounts as loan
• Secured loan are offered usually for longer tenure by banks thus the EMI amount will be low
• Greater flexibility is offered to the borrower
• Lender’s funds are at minimal risk as they have collateral to recover the funds in case if borrower defaults
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Eligibility Criteria for Easy Loan:
Here are some of the important eligibility criteria for Easy Loan. Without meeting these requirements it will be very difficult for borrowers to get loans from banks. This is general information; few of this may vary from bank to bank according to their policy, procedure, rules and regulations.
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Salaried Individual
• The applicant should be a permanent employee with government or reputed company.
•The minimum age to apply for secured loan is 25 years.
Professional
•The individual can be professional in fields such as engineer, architect, doctor, chartered accountant and so on.
•The maximum age for professional applicant is 65 years.
Self-Employed Individual
•The applicant should regularly file income tax returns.
•The applicant should have the same business for at least 3 to 5 years depending on the business type.
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Property Eligibility
• The property to be shared as collateral should not have any type of legal bindings. All property titles should be clear and the same should be registered in the borrower’s name.
• Property which has co-applicants will also have to consent to share the titles with bank until the loan is repaid. Documents will not be released by banks unless the loan is completely repaid including fees, charges, interest and principal amount.

How to apply for a Pan Card

As an Indian resident, the one piece of paper that you should have is a Pan Card.  The Pan Cardis a piece of paper that is associated with all types of financial transactions. However, till date there is a large number of Indians who do not have a Pan Card. The classification of people who do not own the Pan Card is divided among students who are just about to embark on their first job and people who still use small banks and other non-traditional methods of banking. The reason for these individuals not using a Pan Card is extremely sound. It is only mainstream financial institutions and companies that insist on a Pan Card as a mandatory requirement.

While this is a very valid reason to not apply for this option, the benefits of having one are much greater.

Greater access to better savings- Today’s mainstream banking sector is making efforts to reach out to the entire population. This sector has a constant need to increase the number of bank accounts, deposits and investments. Most banks are witnessing a phenomenon where customers are consolidating their financials and hence closing down accounts. Hence they need to focus those people who still use the non –traditional methods.  These individuals can easily setup their bank accounts with the help of the Pan Card. The best part is that they can park their funds in a more secure environment and earn interest on the same.

Easier to sell and purchase assets- It is estimated that cash transactions still make up a significant amount when it comes to selling and buying of assets. Yet , the option of underhand deals is extremely huge.  On the other hand, if they have a Pan Card, the number of options available is much wider. The reason is that people trust someone who has this card. They know that the person wants to do everything in the proper legal way. 

Do not fear the Income Tax department- This is one of the main reasons why people do not opt for a Pan Card. Yet, this departments processes deductions and rebates. It has been seen that people who use the non-traditional methods of banking often fall below the taxation limits. Hence the chances of them paying tax are very less. 

As you can see, there is no harm connected with owning a Pan Card. In fact, by not having a PanCard, you end up losing a lot more. People may have apprehensions and may wonder why should they apply for the same. They may state that the Pan Card application process is very tedious and lengthy. However, nothing can be further from the truth. The application process for the Pan Card is very simple and  takes a few minutes. There are many agents who can make the Pan Card from you. You need not visit any office or wait in line to make the same. So go ahead and make your Pan Card today.

Permanent Account Number - PAN Card

The word PAN stands for permanent account number. This account number is the identification to the income tax department. Each PAN card has its unique number with the registration of details of PAN card holder. Tax department can easily identify any pan holder by its unique account number. PAN card issued by Income Tax Department of India under the Central Board of Direct Taxes (CBDT). PAN card is a life time card you have not any problem to renew your PAN card.

PAN card is generally issued for identify each financial transaction record. In every transaction over Rs. 25,000/- you have to submit your pan card for register your exact transaction record to the Income Tax Department so they can calculate and charge you the original tax amount for each year depends on your transaction. You have to show the source of the amount transact by the PAN card. By PAN card Income Tax Department can easily identify the Tax fraud made by the PAN card holder.

A PAN card is not only a financial transaction card it has many usage described below -

1.       PAN card is most essential for filling your income tax return.

2.        PAN card can use as your identification card like a voter identity card. U can use your PAN card as a substitute of your voter identity card in somewhere.

3.       PAN card is an essential for opening a bank account. Without PAN card you cannot open any kind of bank account.

4.       For any kind of foreign related works like VISA, Passport you have to essentially submit your PAN card.

5.       For receive your salary over Rs. 25,000/- PAN card is mandatory.

6.       Any sale or purchases of assets above the mentioned amount have to submit your PAN details.

7.       Expect of above mentioned works PAN card is also essential in many other places as registration for GAS service, Professional fees etc.

Except this entire now-a-days PAN is essential in any official works.

You can apply for your PAN card any there are few easy steps. First of all you have to fill up a form from any authorized agency or in online to NSDL. With this form you have to provide your ID proof, Address proof, Ration Card and two copy passport photos. And you have to pay Rs. 105/- by cheque or demand draft and post this to the NSDL office to –

Contact Detail of NSDL e-

Government Infrastructure limited, 5^th floor, mantra sterling, Plot n. 341, Survey no. 997/8

Model colony, Near Deep bungalow chowk, Pune – 411016.

There are many unregistered PAN agencies in the market who makes duplicate PAN card that has no value in the tax department. So this an make you fraud so be aware from any unregistered PAN agencies.

How to apply for PAN card - Tax Information Network - NSDL

As we are in 21st century where everything depends on the technologies,so applying for PAN card has also become easier now a days. Getting all your essential documents by not standing in any queue or by not going anywhere, you just have to sit at your place and access internet and proceed as per the requirements. So to know about how easy we can apply for PAN Card please have a look on the following points :

Get your PAN card with ease by applyng online :

1. Applicant should fill form of 49A online and submit the form.
2. If there are any errors check them and again submit the form.
3. A confirmation with all the information will be displayed on the screen.
4. Applicant may either modify it or keep it the same.
5. When you confirm it you will receive an acknowledgement of 15-digit acknowledgement number.
6. The application is then requested to save and print the acknowledgement.
7. Applicant is then requested to affix 2 recent colour photograph with white background(size 3.5cm * 2.5cm) in the space provided.
8. Signature and left thumb impression will only be marked within the box provided in the acknowledgment.
9. Signature would not be marked on the photograph,if there is found any mark which will hinder your photograph in that case your application will be rejected.
10. Thumb impression, if used, should be attested by a Magistrate or a Notary Public or a Gazetted Officer under official seal and stamp.

If communication Address is within India:
(a). The fee for processing PAN application is https://tin.tin.nsdl.com/pan/images/rp.png 105.00 ( https://tin.tin.nsdl.com/pan/images/rp.png 93.00 + 12.36% service tax).
(b).Payment can be made by :
- Demand Draft
- Debit Card/Credit Card
- Cheque
- Net banking.
If communication address is outside India:
(a). The fee for processing PAN application is https://tin.tin.nsdl.com/pan/images/rp.png 971.00[ (Application fee https://tin.tin.nsdl.com/pan/images/rp.png 93.00 + Dispatch Charges https://tin.tin.nsdl.com/pan/images/rp.png 771.00) + 12.36% service tax].
(b).Payment can be made only by Credit Card/Debit Card or Demand Draft payable at Mumbai only.
(c).Demand Draft should be drawn in the favour of ‘NSDL-PAN’.
Applicants making online payment using credit card / debit card will be charged an additional charge of upto 2% (plus applicable taxes) of application fee by the bank providing gateway facility. Additionally, the conversion/exchange rates may also be levied by the card issuing bank, as per prevailing rates.

For any queries feel free to contact :
Call PAN/TDS Call Centre at 020 - 27218080; Fax: 020 - 27218081 .
You can also write at :
tininfo@nsdl.co.in mailto:tininfo@nsdl.co.in
INCOME TAX PAN SERVICES UNIT (Managed by NSDL e-Governance Infrastructure Limited), 5th floor, MantriSterling,Plot No. 341, Survey No. 997/8, Model Colony, Near Deep Bungalow Chowk, Pune – 411016.

Aadhaar Card Detail

The Aadhaar number can be used while opening a bank account, applying for passport, booking e-tickets and many other places where there is a need to give your identity. Aadhaar number will be your identity which will provide you with the simplest way of describing who you are?Aadhaar is meant for individuals of any age (including children) for the purpose of establishing identities. Since Aadhaar is for only individuals, it is different for all the members of a family.Aadhaar is a unique Identification number issued by UIDAI to individuals for the purpose of establishing unique identification of every single person. Aadhaar is actually a 12-digit number and not a card which is unique for every individual who enroll or apply to get his/her Aadhaar number. The Unique Identification Authority of India (UIDAI) is the regulatory body for this.

Aadhaar card detail

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You can go to any authorised enrolment centre/camp nearby you or to any other authorised centre anywhere in India to get yourself enrolled. These centres are also called as the enrolment agencies for empanelment by UIDAI. According to the official reports there are 174 enrolment agencies all over India as on 01.05.2012.

How to change updates

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The procedure for making correction is very simple and can be done both online and offline. Following simple steps you can update your wrong Aadhaar details through our website. Also, you can send request through post to make changes and correction in your details. You can update your details a maximum of 4 times till March 2014.

E-aadhaar letter

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After a long wait of time, UIDAI has finally been able to launch its e-Aadhaar portal through which people who have enrolled for Aadhaar and have been waiting for their Aadhaar letter can easily download their Aadhaar letter online and use it anywhere by just taking a printout of the same. To download the Aadhaar letter, it is necessary to have both your enrolment number and date time of your enrolment. The complete procedure for downloading your Aadhaar letter or Aadhar card online is pointed below

Pan Card Status

Pan card is use in Bank, Passport and any financials transaction so in these days Pan Card is an important document that is provide by Indian government. Pan Card is an important document of Indian Income tax Department so they provided a great tool of user. By using this tool Indian Pan Card applicant can trace his pan card application status. It is very useful for any Indian. When you go to new account in any bank then they ask you pan card or before any big money transaction bank ask your pan card.

Any applicant can use this tools from anywhere by using Internet. If Applicant have no PC they can track by any cyber cafe. But internet connection is must for use this pan card status checking tools. Applicant can save his time any find information easily by pan card status tracking tools. Generally Pan Card process is 3-4 week long but when we want check our Pan Card Status online immediately. That is one of most big reason why Indian Income tax Department has make this tools.