Gold Loan is a secured loan type where individuals can get financial assistance by pledging their gold as collateral. It will allow people to make use of their gold kept inside the locker and get funds for helping them during their financial crisis.
The funds which you receive can be used for any purposes like purchasing your dream home, paying off your current debts, or for your working capital investment. As per RBI guidelines, the loan amount which you will be sanctioned will depend on certain aspects.
Features of Gold Loan:
There are certain features which you should know before you opt for a gold loan like:
● Specific gold loan schemes are sanctioned only for some regions of the nation.
● When you fail to repay your loan, your gold ornaments will be auctioned.
● You can avail of a gold loan against physical gold ornaments including, gold coins. Both banks and NBFCs won’t give you a credit against gold ETF and gold bonds.
● Repayment of the gold loan can be made in any branch of the financial institutions, irrespective of where you get your loan.
● When you pledge gold ornaments with metals, stones, and gems, then only the gold value will be calculated for the loan amount.
List of Top Banks/NBFCs Offering Gold Loan In India:
1. Shriram City Union Finance Gold Loan: Shriram City Union Finance offers gold loan schemes for borrowers. The tenure and the gold loan amount depends on the plan the individuals prefer to choose. The gold which you pledge as collateral will be safe and secured until you repay the loan. Some prominent features of Shriram City Gold Loan are:
○ The Gold Loan interest rate starts at as least as 6% till 20%, depending on the gold you pledge and the loan amount you choose.
○ There is a very minimal processing fee and prepayment fee.
○ The gold loan tenure is flexible.
○ You can get a customized repayment schedule for your gold loan.
2. Muthoot Gold Loan: Muthoot Finance offers many gold loan schemes. You can choose the tenure and amount of loan you want, depending on your financial situation. Your gold items will be safe. Here are certain features of Muthoot gold loan:
○ Allows partial repayment.
○ You can avail of a minimum of Rs.1,500 with no maximum limit on gold loan.
○ Prepayment can be done without any penalty.
3. HDFC Gold Loan: HFDC bank offers a gold loan with the scheme “Sampoorna Bharaosa Gold Loan” for their borrowers. This special scheme offers and interest rates for existing account holders of the bank. HDFC bank offers a gold loan with features as below:
○ HDFC gold loan charges 1.5% plus GST as a processing fee.
○ Women customers have special and lower interest rates.
○ When you foreclose your account within three months, then you should pay foreclosure charges of 2% plus additional GST.
4. ICICI Gold Loan: If your age is between 18 to 70 years, you can opt for an ICICI bank gold loan and only when your gold purity is above 18 karats. The loan is easy to approve and gets disbursed instantly. Gold loan features for ICICI are:
○ Customers should pay 1% of the loan amount as the processing fee.
○ You should also pay 6% per year when you pay dues after the particular due date.
5. Canara Bank Gold Loan: Canara bank provides gold loan under a scheme named “Swarna Loan” with which when you pledge your gold ornaments and have an account in the bank you will be submitted with the loan. The main features of this gold loan are:
○ The interest rate varies depending on the loan amount you choose. When you get a loan up to Rs.5 lakh, then your interest rate will be 9.85% whereas when it’s above that, it will be 9.95%.
○ Appraising charges for the jewel, a document regarding the gold valuation given by a jeweler should all be provided to the provider.
○ The minimum and maximum amount of the loan which you can avail will range from Rs.1,000 to no maximum.
6. Axis Bank Gold Loan: When you are between the age of 18 to 75 years, and you have any gold jewelry which is above 18 karats, then you can avail of a loan. The axis bank gold loan offers features like:
○ The minimum loan amount you can get is Rs.25,001.
○ This loan type comes with flexible repayment options like monthly EMIs, paying loan amounts, and interest together at the loan end.
○ No part payment charges during the loan tenure.
○ You will have to pay 1% of the loan amount as a processing fee.
7. Manappuram Gold Loan: Manappuram Finances provides you higher loan to value ratio for those who want to avail maximum loan amount against their pledged gold. The main features are:
○ There is no bank account need for a transaction less than Rs.1 lakh.
○ No prepayment penalty when you repay your loan before the tenure end.
○ Don’t have any minimum or maximum lock-in period.
8. Federal Bank Gold Loan: An individual can get a gold loan from the federal bank for personal, business, or agri purposes when you give them a gold purity of 22 karats.
○ You can get a loan amount as less as Rs.1000 to a maximum of Rs.150 lakhs.
○ You can get a loan amount which is 82% of the market price of the gold for Agri purposes and 75% for other purposes.
9. Bank Of Baroda Gold Loan: Bank of Baroda provides gold loan for both priority and non-priority sectors when you are pledging gold of purity 18 karats
○ There are no prepayment / preclosure charges for your gold loan.
○ No processing fee for a gold loan up to Rs.3 lakh when taken for agriculture purposes.
10. SBI Gold Loan: SBI offers a gold loan when you have a steady income. It has loans specifically for SBI housing loans and when you are into agriculture.
○ The minimum loan amount you can get is Rs.20,000 to up to Rs.20 lakhs.
○ You will pay up to 0.50% of the loan amount as processing fees for the loan.
Lunch Catering Services
Lunch catering is one of the increasing food businesses that give for the necessities of people for elegant meals in the middle of the day. It can provide stress-free lunch, particularly for a group of people on a full day’s meeting and don’t have any time to run out and eat. It is also great when there are particular occasions and gathering is kept at lunchtime which could be the only time possible for busy people to eat.
Types Of Catering Service
There are two main kinds of هوريكا services. The 1st is on-premise. Here, food preparing, cooking, and serving are completed at the same venue where the event will be held. The other kind is the off-premise. Food is made and cooked in another place by the caterer, and it is served according to where the people desire to eat.
Another typology of catering service involves special event catering, business catering, mobile catering, and industrial catering. Unique event catering serves food in large-scale functions. Business catering targets the preparation of food for business meetings, conferences, and practice sessions. On the other hand, Mobile catering is contract-free, and the caterers move from one area to another selling their cooked food. In contrast, industrial catering supplies the everyday meals for academies, hospitals, schools, and all other institutions.
What Caterers Consider
Caterers always anticipate everything from cooking the chosen food during serving and when individuals are already eating. They also get in charge of the table organizations as well as the equipment required for the event. Much care is given to the menu, which is the essential factor in the catering business.
Caterers also think about the style of serving. The technique depends on the variety of meals requested by the customers and the venue where food is served. Lunch catering service as best as catering for another occasion may be in a sit-down style or a counter. The sit-down style is respected when the venue is too short for a significant number of guests. Others would prefer this catering technique as food is served in front of them, and some individuals consider this is classy. However, since there will be servers to attend to the customers and guests, such catering can be slightly more costly.
The buffet technique is recognized when the venue is spacious or when individuals have time to rise and fall in line. In this manner, the guests can pick from a kind of menu on the table, and they will be the ones to decide the amount they can spend. The price of catering using the buffet style is cheaper compared to the sit-down meal.
Catering is a great help for almost all events. It permits for a hassle-free arrangement and presentation of food. It also gives a swift escape from the mess a case may bring, for the caterers are the ones who will pick the venue properly after the event. Busy people in these busy times want their food necessities to play their roles in the school and the other workplace. Lunch catering services reply to this requirement and save everyone from the hassles while enjoying their food with their friends, office mates and classmates, and others.
Escape from Tarkov Bitcoin Farm Tips
Make efficient use of the bitcoin farm
As all EFT players know, the bitcoins Tarkov holds are actually quite rare. Some players might’ve even been playing without encountering one in raids. Aside from their rarity, they’re also quite small and hard to see. At any rate, players now have the chance to farm this rare form of currency in-game. One of the upgrades to the Hideout is a Bitcoin Farm.
How to Make the Bitcoin Farm
Making one requires the following:
- An Electric Drill
- 10 Powercords
- 10 Power Supply Units
- 15 CPU Fans
- At least level 2 Intelligence Center
It will take 30 hours to construct. After that, as long as your generator is active it will produce a physical bitcoin Tarkov every few hours. The amount of time the farm produces a unit of the currency depends on how many Graphics Cards the farm holds. With one GPU, it’ll take 20 hours to get a physical bitcoin.
Upgrades and Time
Upgrading the farm makes more slots to hold more GPUs. At level 2, it can hold 25, and level 3 can hold 50. Going by normal conventions, using more cards makes the production faster. Having 50 cards will produce a bitcoin Tarkov every 5 hours.
Here are the projected times:
10 GPUs – 12 hrs 50 mins
20 GPUs – 9 hrs 15 mins
30 GPUs – 7 hrs 12 mins
40 GPUs – 5 hrs 54 mins
50 GPUs – 5 hrs
As you can see, adding more and more GPUs result in diminishing returns. The difference in production time between 10 and 20 GPUs is about 3 hours, while 20 to 30 is only 2 hours. Plus, how are you even going to find 50 cards to get that 5 hours production time?
In this case, it’s more worth it to keep production at about 20-30 cards. You have to think about the fuel costs as well. The generator has to be running for the Bitcoin Farm to produce bitcoins.
At the most ideal, the Expeditionary Fuel Tank (henceforth called blue fuel) will power the hideout for a day and a half. In contrast, the Metal Fuel Tank (metal fuel) can run the generator for about two and a half days.
Ideal conditions include having a Solar Power Module and the Elite Hideout Management Skill. Both of these increase the time the fuel can power the generator. So, let’s calculate the possible number of bitcoins Tarkov that can be produced with the metal fuel.
10 GPUs: about 5
20 GPUs: about 6
30 GPUs: about 8
40 GPUs: about 10
50 GPUs: about 12
Now, the farm can only hold 3 bitcoins before it stops production. That means you have to pick up the physical bitcoins so it continues production. You can’t expect to have 8 bitcoins waiting for you after leaving it for hours on end.
Supposing you have the recommended 30 GPUs in your Bitcoin Farm. Rounding up the production time to 8, you can be sure to get 3 coins every day (24/8=3). When you’re playing every day, you can get the farm’s maximum number of coins if you leave your generator on. That’s an efficient use of fuel.
Of course, schedules are different for every player. Take someone who can manage to find 50 GPUs and plays for say, 10 hours a day as an example. They can turn off the generator when they’re not playing, and still, get 2 bitcoins Tarkov every day.
For those who want to leave their generators on, it’s better to have a longer production period. Making it too fast will fill the farm’s storage too fast unless you have the opportunity to log in and get it. The point is to adjust the production time with your playing schedule to get the most efficient farm.
To be productive and efficient, it’s not necessary to have the most number of GPUs for your Bitcoin Tarkov Farm. You just need to adjust the production speed to your playing schedule, and not leave the farm’s storage full.
Bitcoins are a big source of euros. It depends on the real-world situation of the currency, but either way, it’s still a valuable resource. Sure, there’s also the regular server wipe to deal with, but you can at least enjoy your riches before it happens. You can use it to trade for useful objects such as weapons, containers (Lucky Scav Junkbox, secure containers), or materials for upgrading your hideout.
So, take advantage of your Hideout’s Bitcoin Farm and create a stockpile of this currency. Enjoy Escape from Tarkov!
Umar Nisar was born and raised in the busy city of Abbottabad. As a journalist, Umar Nisar has contributed to many online publications including PAK Today and the Huffing Post. In regards to academics, Umar Nisar earned a degree in business from the Abbottabad UST, Havelian. Umar Nisar follows the money and covers all aspects of emerging tech here at The Hear Up.
Digital Marketing Training
Digital marketing raises both products and services using digital technologies, like the Internet, mobile phones, and many different digital mediums. Students that finish the course and get certified will have skills learned that help them shape their plan for the competition.
Here are few classes of marketing methods by which promoting takes place – Your website, blog posts, ebooks and white papers, Social media channels (Facebook, LinkedIn, Twitter, Instagram, etc.), Earned online coverage Online brochures, Branding assets like logos, fonts, etc.
Marketing Automation, Email Marketing. The most satisfying part about Digital marketing training is that it can work for any business in any industry. However, marketing still includes building out buyer personas to identify your audience’s demands and creating valuable online content of what companies are selling.
Digital-Marketing training is an “Evergreen” career choice. The marketing technology is constantly growing, hence the need for re-skilling is a must these days. Mix your future with a fantastic digital job.
Since most people start the web using a search engine, knowing how it operates and learning how to make oneself visible through a search engine is supreme. Within search engine marketing, you can create a brand behavior, or make a sale, or get a customer lead that can later stop through direct marketing channels.
Knowing all possible choices for branding and marketing through search engines is sure to be a good promoter for a company.
There are five strategies for search engine marketing.
Search Engine Optimization (SEO)
Contextually Targeted Text Ads
Paid Inclusion and
Digital Asset Optimization
Companies that utilize SEO the highest.
Facebook and other Social Media Marketing
One must understand the complex dynamics of people’s communication on social media. People communicate with a brand while on social media either by seeing an advertisement, a Facebook page, a picture, etc. They comment on the product or share or give feedback to other friends and relatives. Drawing on this social behavior is a part of digital marketing.
They provide a consumer a choice to receive emails about the product, discounts, offers, and events. They must be relevant and interesting and stimulate the consumer to go to the business website or purchase.
Building a website with a logical authority in its navigation based on the website’s goal is an important skill to get. The website can be HTML, PHP, or WordPress, depending on our interests.
Since most of our population gives more time on mobile phones than on desktops and computers, one must read how to adapt ads, webpages, and social media images to the mobile phone.
Many companies have a mobile app for buying a product, and that too drops under the purview of digital marketing.
To be a specialist in digital marketing, one must know how to make together a campaign on all platforms together—learning how to link email to Facebook, Instagram, tweeter and your web page.
Digital Marketing is a large and exciting field that is progressing fast. Companies are forever on a quest to find experienced digital media personnel to help grow their business. This is the only way companies can stay before their competition.
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