Documentation process while availing Gold Loan

Jan 18 2024 Published by admin under Uncategorized

The procedure of availing Gold loan

The method of obtaining a gold loan is quick. In times of need, a Dena Bank Gold Loan can be valuable. The procedure of availing Gold loans are

Application process
Document verification or Documentation
Purity Test of Gold
Loan Approval
Application protocol

The application is a process where one has to appeal to the respective authority for granting certain things. The application for a Gold loan can be completed in the bank in-person visit or digitally by visiting Dena Bank’s official website or app. An application contains some personal information along with gold information and other details.


This is the most crucial process for acquiring loam. A simple background check is conducted to avoid fraud. KYC documents, along with two passport-sized photographs, are asked to be submitted.

One can submit any one of the Aadhar Card, Driving licenses, Voter IDs, PAN Card as Identity proof. Aadhar card, Ration card, passport, utility bills, or renter agreement for people residing on rent can be submitted as Address proof or residence proof.

The Borrower has to visit the Bank for this procedure. A bank representative will assess your KYC Documents.

Purity test of Gold

Bank authorities do the Purity test of Gold on the premises of the Bank. The purity test of Gold is an evaluation of Gold for its composition, weight, and impurities present in it. The loan amount is sanctioned based on the evaluated gold rate per gram. A purity test is a mandatory test.

Loan Approval

After completing all the procedures and meeting the Eligibility criteria, a Gold loan is sanctioned. A Sanction letter is issued in the name of the Borrower. A sanction letter contains details about the lending bank, loan scheme, gold rate per gram, interest rate, processing fee, prepayment options, tenure period, repayment options, etc., along with the Dena Bank’s terms and conditions. After depositing the evaluated Gold in the Bank, the loan amount is reflected in the Borrower’s account quickly.

Safety of Gold

The Gold deposited in the Bank is placed in the bag and marked by a unique application no. This is placed in the lockers present in the Bank. Lockers are present inside the Bank’s vault. It is safely guarded and kept under surveillance. Bank authorities only enter this room. Each locker has its specific keys. The keys are with one of the Bank authorities.

Repayment options

These choices are given for the fulfillment of the Debt. The loan amount has to be paid over the tenure period chosen by the Borrower. If the Borrower misses repaying an installment, he/she can renew or extend their tenure period, but this has to be done before the expiry of the tenure period.

The three options given for repayments are Bullet repayment scheme, Overdraft repayment scheme, and EMI option.

Bullet Payment Scheme
One has to repay towards month-end, and the principal amount is due at the end of tenure.

Overdraft Scheme
This scheme can be available for colossal loan amounts, and the interest is only charged on the amount disbursed by the Borrower.

Equated Monthly Instalments (EMI)
In EMI, an indicated amount by the Borrower gets deducted towards the end of the month. EMI can be calculated using EMI Calculator. Choices have been given to the Borrower for making a suitable EMI choice.

Standing Instruction (SI)- It is For Dena Bank account holders. The repayments are made towards month-end on the amount indicated by the borrowers.
Electronic Clearing Service (ECS)- It is for Non-Dena Bank account holders to digitally transfer the amount.
Post-Dated Checks (PDC)- to enable non-Dena Bank accounts to submit post-dated EMI cheques have to be submitted.

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Direct Payday Lenders – No Third-Party Involvement

Jan 18 2024 Published by admin under Uncategorized

What do you do when you need to quickly borrow money while you wish to avoid asking friends and family? And what if you have a bad credit history. As data has it, the vast majority of the population today prefers loans from non-traditional sources in such situations. Typically, the ideal source here would be a trustworthy direct lender. Choosing to borrow loans from legitimate direct payday lenders where no third party is involved, can offer certain benefits, that make such loans more valuable to borrowers.

In this article, the most valuable benefits are discussed, and thereafter, a link to a renowned source that offers direct lender payday loans is shared for your convenience.

Why choose Payday Loans from Direct Lenders?
Direct lenders are the source of your loans when you cannot get a traditional or a bank loan. Whether you approach a matching service or a loan broker, your money is being sourced from a direct lender. When you’re able to apply for your payday loan with a trusted direct lender, avoiding third-party entities can offer these benefits to you:

1. No Third-Party Commissions & Delays
When you opt to directly deal with your lender, any commissions that are paid out to brokers are avoided and this almost always benefits you, the customer. Also, an added entity can always add delays, and that delay gets avoided too.

2. Better Security & Transparency
Why share your sensitive data with multiple people? Deal with a trusted direct lender, and your details shall remain with the lender alone, unless some verifications need some limited information to be shared, in order to be completed. Also, there’s typically more transparency in deals where lesser entities are involved. Transparency helps you reduce the chances of feeling cheated or being denied information that’s essential.

Some Direct Lenders provide Guaranteed Payday Loans
Only when a direct lender provides a guaranteed payday loan, can the claim truly be legit? So, if you need a lean with a very high chance of being approved, it is important to consider looking for a direct lender that’s trustworthy and offers such a loan.

Guaranteed payday loans would typically be subject to certain income criteria basic qualifications terms being met by the borrower. Typically, a legit lender that makes such an offer, shall provide clarifications about these terms and conditions, and guarantee a payday loan of an amount that they deem safe for a borrower to apply for, subject also to the applicable state and federal laws.

Bad Credit? Choose Lenders that Perform No Credit Check
When you have a bad credit score and still need a loan, it’s likely that you’re heading towards a payday loan or an installment loan from a direct lender. What you need to keep in mind is that a no credit check loan is likely to be your best option in this scenario. Such a loan is designed for bad credit borrowers.

Most bad credit borrowers typically choose loans only in emergencies. Direct payday loan lenders that performs no credit check can offer a suitable solution as their loan approval tends to be a faster process.

Instant Approved Loans – a Reliable Direct Lender of Payday Loans
With years of experience and thousands of satisfied customers, Instant Approved Loans is an online service that enables borrowers to find their direct payday lender loans, with no third-party present in the deal. Applying for a payday loan from this direct lender is absolutely easy – it just takes a 3-minute online form to get the process started and shortly, once basic verifications are done, a transparent loan offer is provided to you. Upon your agreement to the loan terms, the money is credited to your account and the whole process often completes within just a few business hours!

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Questions To Ask Before Applying For Car Loans

Jan 18 2024 Published by admin under Uncategorized

It is best always to make informed decisions financially. Knowledge can take you far when you research for the best car loan deals. Factors to prioritise are lower interest rates and minimum processing fees.

A little research and some set of fundamental questions help save you more on your car loan. What are these questions? Let us find out:

What are the interest rates charged on a loan?

This should be at the top of your mind while applying for car loans. Check the interest rates banks are charging on your loan. Several banks provide these loans at lower rates. For instance, it starts for as little as 9.5% annually.

What is the total amount financed?

It is best to pay about 20% of your vehicle price as the down payment and the balance 80% by the bank based on the car’s market value. However, a few of them offer up to 100% finance on the ex-showroom price. When you apply for car loan, follow the 20% rule of the monthly income under EMIs. Paying a higher EMI amount strains your finances.

What should be the down payment and the tenure for the loan?

Understand that your four-wheeler loan stays with you for a while, and you need to pay regular EMIs for years. The key here is intelligent financial planning. You should not agree to a higher EMI amount, which places immense pressure on your daily budget for keeping the tenure towards the lower side and saves interests. You should also avoid opting for the longest tenure as it increases the interests payable. A balanced EMI is sensible which does not put excessive pressure on your earnings.

What fees are part of the loan?

Besides the interest rates, you need to pay several fees for the car loan. Ask about the charges applicable both at the time of sanctioning the loan and while paying the debts. Some of the standard fees levied on the consumers are processing fees, documentation expenses, credit report costs, registration collection fees, stamp duty, part prepayment costs, foreclosure, delayed payment penalties, etc.

Can I make payments early without penalty?

You should ask this to the lenders before you apply for car loan. Most lenders levy prepayment, foreclosure, and other such fees when deciding to pay off the debts before the tenure ends. Always go for banks that charge minimal in such events. Some do not charge for foreclosure at least for two years. Such banks should be given preference.

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Article Marketing Consultant – A Great Help for Beginners

Jul 06 2023 Published by admin under Uncategorized

Being new in the field of article marketing has disadvantages. As you’re literally clueless as to what you need to do to succeed in this field, you’re more likely to commit costly mistakes or waste too much time without the chance of hitting your internet marketing goals. Good thing there are now consultants that can help you out. These people have years of related experience and are considered experts in the field of article marketing. They can help you learn the process in as little time as possible.

Is it expensive? You’ll be happy to know that hiring article marketing consultants is something that will not burn your pockets. As this is a relatively simple method that you can learn in a couple of days or in a week, these people will not charge you thousands of dollars. Some of them will just email you useful tips and give you 2-3 hour phone consultation where you can raise your questions and where you can get expert advice. To give you an idea, you may just pay anywhere from $10-$25/hour for their services. Personally, this is something that I would consider a very good investment. You see, if you become an expert in article marketing, I can guarantee you that you’ll make lots of sales and revenue in no time at all.

Where to find reputable and effective article marketing consultants? Well, you will surely not have a hard time finding one as there are thousands of individuals from across the globe who are offering this service. Just key in the term “article marketing consultant” and you’ll get hundreds of relevant pages on search results. I would recommend that you shortlist at least 3 companies and research their background. You would want to work with those people who have been doing this for years and who have proven track record.

What to expect? Article marketing consultants will base the whole training program based on your skills and specific needs. For example, if you already have exceptional writing skills, they will surely propose that you’ll focus on other areas of the task. For example, you can spend more time in learning SEO or learning the process of distributing your articles online. Depending on your preferences, your consultants can just email the instructions to you every day for a specific period of time or you can do one-hour phone coaching everyday (this is usually more expensive).

Don’t be scared to ask all your questions and ask for as many expert tips as possible (you’ll surely be able to make use of them). While still in the program, write several articles and ask your consultant to review them for you. It is through this that you’ll figure out your strengths and weaknesses. I would also recommend that you start your article marketing campaign while you’re still in touch with your consultant so he/she can help you start on the right foot.

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Best Ways Of Using A Marketing Consulting Firm

Jul 06 2023 Published by admin under Uncategorized

Take Your Small Business to the Next Level with a Marketing Consulting Firm

If your existing sales and marketing program is not generating the business you need to stay profitable, consider hiring a marketing consulting firm as your solution. While business owners can strategically plan their marketing mission on their own, reputable firms specialize in assisting small businesses grow stronger and bigger. With strategic planning, business development, marketing services, PR services, and development services, on the long list of services offered by these firms, your investment is guaranteed to bring your business to the next level. When searching for a consulting firm specialized in marketing small businesses, be sure to choose a company with a proven track record to unleash your companies true potential.

A reputable firm will have the ability to launch new businesses, products or services, as well as re-energize established companies. With customizable services that are tailored to your company and your industry, the goal of a quality firm with be to positively impact your sales channel by focusing on strategic planning and creative development. Always look for a firm with a recognizable name, a good reputation, quick responsiveness and strong results.

While many firms believe that quality PR is the key to marketing success, make sure enough focus is placed on project management. Firms with a real goal to expand your business will initiate advertising, direct marketing, sales support, and market research to find where your company stands amongst its competitors. A successful firm will do their research on your current standings before diving in head first in an empty pool. While companies will always advertise their big name clients, take a look at some of the smaller businesses they represent and consider contacting their executives to see if their results are truly proven.

Marketing firms can be found all across the Internet. Do adequate research on a number of different firms to find an intelligent alternative for your business. Always price the services of each firm, and only choose a firm you can reasonably afford at any size.

Look, I understand how hard it is to find Consulting Firm [] that actually work and I’ve spent more than my share of time and money learning how to spot the good lists, the junk lists; who has them, and even more importantly, how to get them out of their tightly gripped hands. You are obviously smart and motivated enough to want to learn more about this industry so hats off to you because researching like you are doing pays off. Take a moment and go to to learn a few key tips about marketing consulting firm [] that you’ll want to know. You’ll certainly be better prepared before you spend your marketing dollars with anyone.

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Want to Start an Internet Marketing Business? You Need to Consult an Internet Marketing Expert

Jul 06 2023 Published by admin under Uncategorized

You can’t be an expert in anything that has to do with life and business overnight. You can’t be an internet marketing expert just by proclaiming yourself to be one. You have to learn from someone who has gone through the ups and downs of the business. You have to learn the ropes, the skills, the secrets and so on.

You have to learn the strategies. Every business has strategies and internet marketing is not an exception. One of such strategies is article marketing. Article marketing is aimed at getting people to visit your website. Article marketing provides your site with backlinks. In article marketing, the more articles you write, the more backlinks you get and the more traffic your site generates.

However, you just have to be mindful of the quality of articles that you create. Why? Quality is more important than quantity as far as internet and/or article marketing are/is concerned. Another part of your article which you have to be careful about is your author resource box. What does that mean? If your article title and body are great, wonderful or of super quality but your resource box is nothing to write home about, then you may never get the desired result.

This is just one of the reasons why you need a consultant. The person must not be someone you have met physically. You can get a consultant online and he will still give you all the attention that you deserve or demand from him.

Do you want to learn article marketing as one of the business strategies in internet marketing? You need to get an internet marketing consultant.

Do you want to learn affiliate marketing as one of the online money-making ways? You need to engage the services of an internet marketing expert, who is well experienced in the area of affiliate marketing.

Do you want to learn viral marketing? You need to consult someone who has a thorough experience in the area of product creation, product launch, video marketing, and so on.

Honestly, you can’t go far, grow or expand your business without the services of an internet marketing consultant. So, you just have to get one especially if your business is moving slow. You don’t have to watch your business collapse or die.

Finding a good internet marketing expert is not an easy task considering the fact that there are many self-proclaiming gurus looking for whom to scam. You just have to be very careful so that no-one can take you for a ride or rip you off. Yes, time is money and money is hard to come-by these days.

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An Internet Marketing Consultant Can Lower Your Online Traffic Costs

Jul 06 2023 Published by admin under Uncategorized

Afraid it will be too expensive to invest in an internet marketing consultant for your online business? It is probably going to cost you a lot less than you think. And if you hire the right consultancy firm, it could be something that results in a great return on your investment.

Not all successful websites get all their traffic on their own. Many find that investing in paid traffic can bring about great results. Sometimes a cost of just a few pence can result in sales of many pounds. But before you get too excited about signing up for a paid advertising campaign, consider the fact that most successful campaigns are either successful after bleeding money for some time. Or, they’re successful because they’ve been executed by someone who’s an expert in the area of paid ad campaigns.

Investing in pay per click advertising can be smart. But it can be pricey if you jump in head first. An internet marketing consultant who is well versed in paid advertising programmes can help you keep your costs down and your results high.

Research – An essential element of pay per click

An internet marketing consultant who knows how to effectively manage a Google AdWords campaign, for instance, will do a fair amount of research before launching that campaign. Various factors will be examined, such as keyword popularity, competitive analysis, and other factors. The consultant should also look at existing traffic that your site (if you have one) is getting as well.

Carefully writing ads, strategically bidding on specific words and phrases, and working to get a good Google score (when doing a Google AdWords campaign) will all impact success and cost because you could improve page placement and lower price per click.

Online Advertising – Use More Than One Approach

Beyond one pay per click campaign, your consultant may suggest other strategies as well. Multiple strategies can help you carefully manage costs and examine results so that you can see where to allocate the majority of your marketing budget. Organic search engine optimisation, article marketing, cost per action networks, social marketing, paid Facebook ads, and other techniques could all contribute to your online success. Some are much cheaper than others.

Multiple approaches could also mean a lower cost per click. If, for example, you can get more traffic through organic results, you can lower your pay per click spend. And, the right approach will mean a lower cost per click as well because you won’t be dealing with keyword phrases that are too competitive.

Want to learn more about what an internet marketing consultant can do for you? Chris Jenkinson specialises in marketing advice and provides further advice about consulting services on his business website and on his marketing advice blog.

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How a Marketing Consulting Firm Can Double Its Income by Including Offline Marketing Services

Jul 06 2023 Published by admin under Uncategorized

Every marketing consulting firm is now presented with huge opportunities to leverage its profit margins. This can be achieved by incorporating offline marketing services as part of their service offerings.

The range of services offered by marketing consulting businesses varies from the abstract or “pure” consulting services to a mixture of both consulting and real physical services.

However, the whole range of firms may benefit by investigating the advantages presented by offline marketing services. That includes firms that have not entered the Internet marketing consulting market to date.

Marketing consulting companies can render solution oriented services to their existing customer base and other prospective customers in commerce and industry that include -

Advertising – online and offline
Article marketing – on-site and offsite
Search Engine Optimization (SEO) – on-page and off-page
Pay per Click (PPC)
Social networking – introduce non-experienced customers to Social Media
E-mail marketing
Marketing consulting firms have the opportunity to include the services traditionally offered by offline marketing services businesses in their service offerings.

There is always competitive pressure on marketing consulting businesses to keep on incorporating the newest technologies applicable to their field into their businesses. The cost of continually adding new services to their services line-up eats into their bottom line and forces such firms into higher charge rates.

On the other hand, these firms will stabilize their income streams by incorporating the services offered by offline marketing services into their services line up. This results largely from the current high and increasing demand for offline marketing services.

The high growth rate of doing business on the Internet continues to grow. More and more new and traditional businesses want to increase their slice of doing business on the Internet. The demand for offline marketing services will, like-wise, increase dramatically. Since the majority of businesses need to focus on their core business the demand for expertise available from services firms will increase exponentially.

If you want to be part of the action get started by following the links provided below.

David de Wet has vast experience in management, information technology, marketing and real estate investment.

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How to Sell Your Consulting Over the Web – 5 Reliable Steps to Sell Your Consulting

Jun 15 2023 Published by admin under Uncategorized

I personally think that there is no better medium in selling your consulting services than the internet. This medium will allow you to give your offering the kind of exposure they need and easily reach the global market in a very cost-effective manner.

Here’s how you can sell your consulting over the web:

1. Build your own website. Create your own website if you don’t have one yet. Start by choosing a domain name that is highly descriptive. People who hear it must have a solid idea that you are offering consulting services. Unless you have the technical know-how, consider hiring talented web designer who can make your site look visually appealing and professional. Load your website with tons of information and make it speak volumes about your expertise on your chosen niche. To give your visitors great experience, I recommend that you make it interactive, easy to download, and easy to navigate.

2. Traffic, traffic, and more Traffic. After building your own website, the next thing you should do is to drive high quality traffic to it meaning, those people who are most likely to buy your consulting services. Use forum posting, blog marketing, article marketing, video marketing, and social media marketing to easily reach your prospects. If you have the money to spare, you can also use paid advertising tools like search engine marketing, banner ads, paid links, and PPC ads. The more time you spend advertising your services, the more people you’ll be able to connect to. This can surely increase your sales leads in no time.

3. Establish your expertise. It is a must that you position yourself as someone very knowledgeable on your chosen niche to easily convince people to do business with you. Host short teleseminars and share a slice of your knowledge. You can also join relevant forums and seminars where you can provide answers to the questions of your prospects.

4. Tie up with other ebusiness owners. Research those people who are selling products or services that compliment your consulting services. For example; if you are offering SEO consulting, you can tie up with those people who are offering SEO tools or SEO software. You can upsell each other’s products to your potential clients. This can help in boosting your sales and revenue without really spending so much for your advertising cost.

5. Testimonials and referrals. Get your satisfied customers to help you win more business. How? By soliciting and using their testimonials on your website and blog. You can also ask them to recommend you to their friends and family members who might be interested on what you offer.

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Arbonne Independent Consultant – How to Become a 6-Figure Arbonne Independent Consultant

Jun 14 2023 Published by admin under Uncategorized

Succeeding as an Arbonne Independent Consultant can be frustrating. Especially when the things you’re upline is telling you to do doesn’t work. So, what I’m going to do is share with you some tips on how to become a 6-figure Arbonne Independent Consultant.

That way, you will be able to grow your Arbonne business the easy way.

The tips to becoming a 6-figure Arbonne Independent Consultant are:

1. Know Your Target Market. The first way to succeed as an Arbonne Consultant is to know your target market. This will be people who have a need or want for what you offer. The people who are target market will be two types of people.

The first type is people looking for a business or who is already in a network marketing business. And the second type is people who are using products that are related to yours.

2. Understand Your Products. The next tip is to understand how your products will help people. This will help you understand who will buy the Arbonne products from you. Once you understand your products, you will be able to add dozens of people into your downline.

3. Effective System. This is an important tip. You need to have a system in place for you and your downline. This is important to your success with Arbonne. Your system should be able to find (or attract) people to your business and sort them out based on if they’re serious about buying your products or joining your business.

These are the tips on how to become a 6-figure Arbonne Independent Consultant. If you really want to grow your business, you should do something about it now. This is a great time for you to grow your business. Be sure to use these tips to help you.

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