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Prominent NBFCs/Banks Offering Gold Loan in India:

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Gold Loan in India

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.

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6 Home Remedies to Relieve TMJ Pain

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6 Home Remedies to Relieve TMJ Pain

Talking, laughing, smiling, and chewing are all jaw movements that you make daily without much thought. However, these simple movements can cause much pain if you have temporomandibular joint dysfunction (TMJ). TMJ Leander discomfort may have a significant impact on your quality of life.

Teeth grinding is a common cause of temporomandibular joint disorders (TMJD), which can cause chronic pain and stiffness in the jaw, among other symptoms. There are a variety of therapies available to assist you to ease your discomfort.

Here are some home remedies to treat TMJ;

1.  Eat soft meals

 To prevent your jaws from overworking, eat soft meals like mashed potatoes, yogurt, mashed potatoes, soup, cottage cheese, salmon,   scrambled eggs, cooked fruits and vegetables, beans, and grains. Avoid Hard and crunchy foods (such as pretzels, hard rolls, and raw carrots) and chewy foods (like taffy and caramels). In addition, avoid chewing gum.

2.      Wear a bite guard

A bite guard (also known as a stabilizing splint) can protect your teeth from clenching or grinding. Bite guards are typically made of plastic, and they fit over your lower and upper teeth to keep them from rubbing together. Bite guards come in various styles; for example, you can wear a firm or soft bite guard.

Consult your physician or dentist to determine how long you should wear the bite guard. If the bite guard is causing you discomfort or changing the way you bite, stop using it immediately and consult your doctor.

3.  Use heat or cold therapy

Applying wet, warm heat packs or ice packs to your jaw might assist in relaxing the muscles in your face and jaw. Your doctor will tell you how long to leave the ice pack or heat pack on and where to put them.

4.      Learn to manage stress

Stress is one of the leading causes of TMJ. When people are worried, they tend to clench their jaws unconsciously throughout the day. If you are stressed, go for a walk daily to clear your thoughts, write down your concerns in a notebook, talk to a psychologist, try yoga, meditate, or soak in a bubble bath. Make every effort to relax and enjoy yourself.

5.      Limit jaw movement

Your jaw may strain your jaw if you yawn, scream, or sing at the top of your lungs frequently. To give your Temporomandibular a respite from movement, try to limit any severe jaw motions in your daily life. This may help to alleviate some of your discomforts.

6.      Try acupuncture or massage therapy

TMJ discomfort can also be relieved with acupuncture. The acupuncturist will insert needles in places surrounding your jaw and other areas to ease pain and enhance jaw function, enabling you to open your mouth easily. In addition, gently rubbing your TMJ joint can also help ease up the muscles surrounding your jaw and relieve pain.

Temporomandibular joint disorders may cause severe headaches, grinding and locking in your jaws, ringing in your ears, and neck pain. Fortunately, you may treat TMJ pain using home remedies. However, if the pain persists, you should seek further medical treatment. Contact Pendleton Orthodontics to book your appointment for TMJ treatment.

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Benefits of Regularly Visiting a General Practitioner

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Benefits of Regularly Visiting a General Practitioner

Regularly seeing a primary care physician may positively impact your health. Your trusted general practitioner (GP), Dr. Kalpana Desai is well-versed in dealing with various medical conditions and may tailor treatment to meet your requirements. You have a solid partnership when you have a long-term connection with a professional who treats the person, not just the condition. There are several additional reasons why it is a good idea to have a regular general practitioner, including:

Someone who understands you

GPs are typically the initial point of contact for your health. Having a regular GP gives them the chance to know you and develop a better grasp of your medical history. Every time you go to the doctor, you do not have to describe your medical history. The more often someone sees their primary care physician, the more likely they are to be open and honest with their doctor about their health. They believe that their concerns are taken into account.

An experienced general practitioner (GP) will be able to spot any problems with your health right away and recommend the right course of action. As soon as a problem becomes severe, persistent, or even life-threatening to the patient, the doctor takes measures to prevent it.

Integrated health care

If you have a medical problem that necessitates the participation of additional health care providers, your general practitioner is your primary point of contact. If a medical expert or allied health practitioners like a psychologist or podiatrist is necessary, this might be the first step.

Advice on health and wellness from a professional

Your general practitioner is your best bet when diagnosing and treating different health-related issues. In addition, they are likely to be the initial point of contact for most health difficulties you encounter in your lifetime. In addition to treating colds and flu, they are one of the most acceptable sources of science-based advice on maintaining a healthy lifestyle and avoiding illness in the first place!

A complete medical history kept in one place

Every time you see a local doctor, they take down essential information about your health, such as your family medical history, results of medical tests, prescriptions for drugs, allergies, etc. Regularly seeing your doctor ensures that your medical history is thorough, accurate, and up-to-date. When you visit your doctor, they will consult your medical file, and if you have been to more than one doctor, your information spreads out. As a consequence, your medical issues may be misdiagnosed and treated inappropriately.

General practitioners can identify and treat a wide range of common health issues. They might refer you to specialists if your problem is outside their practice area.

Accessibility

Because regular doctors are accessible at times convenient to you, you will have to wait less time for an appointment with them. You can expect to be seen within a few hours after seeking an appointment with a regular GP rather than a few days. Patients should expect to be seen on time by most frequent GPs, and the time spent in the waiting area will be substantially less than when visiting a different doctor.

You and your family’s health and well-being are best served by seeing a general practitioner regularly. Choosing a GP may be a complex process that requires a lot of trial and error. Finding a doctor with whom you are comfortable and who can work on your health for the long term is critical.

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What They Did Not Tell You About Sleep Apnea

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What They Did Not Tell You About Sleep Apnea

Do you know that sleep is equally important as a healthy diet? For wholesome health, you need a goodnight’s sleep. Therefore, if you are not sleeping as recommended, you expose yourself to various health issues. Pain and stress can keep you from sleeping. However, sleep apnea is a dangerous condition that can make you dread sleep. Chase Dental Sleepcare specialists will treat you if you have sleep apnea symptoms and help you get the sleep you have been missing. Therefore in this article, you will learn astonishing facts about sleep apnea.

·         Did You Know That You Can Develop Sleep Adverse Brain

Do you know that most sleep apnea people go undiagnosed and treated throughout their lifetime? If you have had sleep apnea and are not considered seeing a doctor, you can develop a sleep adverse brain. Once you are asleep, the airway becomes obstructed, and your brain responds by waking you up so you can breathe. So you will find every night you will wake up several times to gasp for air. With time, the brain becomes conditioned to keep you from sleeping because sleep makes your body lack enough oxygen because of sleep apnea. Therefore, you will find that you have insomnia where you cannot fall asleep at night.

·         It Severely Shortens Your Life

Sleep apnea is a dangerous condition that, if left untreated, shortens your life. When you cannot breathe during sleep, your body does not have sufficient oxygen. Deprivation of oxygen can cause a low heartbeat. You can suffocate, and if no one recognizes that you are not breathing in good time, you will lose your life. Also, if the brain becomes conditioned to recognize insufficient oxygen, your body reacts to establish a balance every time. The body releases the release of trigger hormones and sugars. With time, you discover you have Type 2 diabetes because the body releases too much insulin. Besides diabetes, you run the risk of suffering from life-threatening cardiovascular diseases.

·         It Poses A danger To You and Others

Because of sleep apnea, you can have irregular sleeping or insomnia. Your inability to sleep during the night will cause you to experience sleepiness during the day. If you drive yourself and fall asleep, you become a hazard to yourself and others using the road. You will cause an accident because you cannot control the vehicle. The accident can cost your life and the life of other road users. Also, if you function in a production site where you have to control machines, you can fall asleep and forget about the machine. The machine will either overheat or produce undesired quantities and quality goods. You can also get injured by the same machine.

Millions of people suffer from sleep apnea, making it important to see a doctor if you snore or have irregular sleeping during the night. The Chase Dental Sleepcare facility purely deals with the sleep disorders such as sleep apnea. If you are experiencing trouble sleeping, book an appointment today before too late.

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