Start your own business : Franchise

Many people would have visited KFC's and mcdonalds , have you ever wondered who is the actual owners of these shops?
These are actually franchises owned by people like us who chose a right platform for starting a small business .
First of all let us think what made these people in starting a franchise instead of starting their own business
Advantages of franchise over own business
* Brand name has already been established (like KFC's)
* Less amount is needed in marketing sector
* The original owners will readily help in producing products which you sell(guidance)
* Customers will be loyal , so increase in sales.

People who want to be entrepreneurs but lack in proper idea can readily invest their money in franchises.
Depending upon the nature and brand value of the company which you think of starting a franchise ,the money for starting it will increase.

To know about different franchises and the amount you need to start them
Click Here

What are all the requirements for owning a franchise

1) Investment - To start a well known franchise you require atleast 10 lakhs - 50 lakhs .But the minimum amount needed is just 10000 bucks.So all you need is just 10k to start your own business.

2) You need to pay a minimum fee called as brand/franchise fee to the company which you want to start franchise of.

3) You have to provide them about the property details where you want to start the outlet as these people will be too cautious to prevent any damage for their brand.


What is the advantage of the original company

1) A company needs huge capital in starting their business at a place which they don't know exactly about.This is main reason why many products of big companies and some of the big companies failed to reach milestones in certain places.
Without a proper study of the place where they are going to start none of them can survive.

2) Companies want to develop their brands to place beyond their reach.These can easily be obtained by this franchise concept.All they have to do is a little transfer of knowledge of their products and their business model.

3) The franchise is yielding profit or not the original company will get their money in the form of Franchise/Brand Fee and Royalty/Commission .So its always a win win situation for them.


Visit the site to know about best franchises!!! coming soon

Home Loan Rates

Current Home loan rates in various banks
This will give an idea for home loan takers to select the perfect bank to get loan for their dream home :)

Learn more by clicking here

Real estate Mutual funds(REMF)

This is one of the new concept which is going to be introduced in India soon..
At the current levels people are dreaming about getting a property on their own especially middle class people
but they are not able to do so due to the booming prices
of these properties due to artificial tsunami caused by wealthy people and
some people who are in affordable list (Who have money to spend readily or
have eligibility to house loans for 7 digit numbers).

This scheme can be said as a breed of mutual fund and real estate.
Its a normal mutual fund scheme where the mutual fund houses or AMC's will invest in completed properties (shops,flats ,individual houses ) as well as in related securities .
The rents yielded from these properties are paid as dividends to the mutual fund investors on regular basis .
These funds has a lock in period of 3 years and basically they are dept funds.
The Nav of the same will be published on daily basis.

The benefit of these schemes are like it will make the investment process in real estate much faster and easier.

Can a common individual tax payer invest in government securities?

Yes common retail investors can invest in govt bonds..
For eg :
Kotak Gilt is a scheme that allows the retail investor to
invest in the otherwise wholesale government securities market.


It invests in government bonds and treasury bills, giving a
zero credit risk investment option. It recognizes that for retail
investors safety is of prime concern, giving
them the liquidity of a savings account with attractive returns.

Where to invest My Money!!!

Everyone is having this basic question in mind.

Where to invest my money so that i will get a good and safe return and which can be used for my retirement or child's education
or daughter marriage based on their needs.

These are some of the places where you can invest money based on your risk taking ability

1) Investing in Government Bonds
People who want to safely invest their money can buy these long term bonds of 20 -25 yrs .
These give a good return of 8% and are used by govt in collecting money for public.
These also have tax benefits and can be sold like other bonds in market.
click here for more information

2) Investing in Fixed Deposits
This is one of the famous and best way to get a nice return.
Though the return is taxable , this way of investing is chosen by many investors to yield good return of upto 10% now.
For short term investment you can get upto 10-11% and for long term investment some banks are offering 10%.
This will good for investors who need money in short term as 2-3 yrs will give good return than long.
click here for more information

3) Investing in Pension schemes
Pension schemes are one of the popular place where especially people working in private sectors invest.
People working in IT companies or in any private firms will not get the benefit which their fellow neighbors working in govt jobs get.
So the govt has introduced some schemes like NPS ( National pension scheme) which though gives only a minimum return when
calculated long term will yield good return.
To know more click here

4) Investing in Post office schemes
Postal schemes are the schemes which where popular to people in those days.As this is the one which is
considered as the investment by many people .Still people believe that postal schemes will give safe returns even though
the return is not good.
One of the best postal scheme is POMIS or Postal monthly income scheme
To know more click here


5) Investing in Property
Buying a land or flat/house is the dream of many youngsters and even older people who have not yet tasted the juice of
owning an house of their own.Many people believe that owning an house will give them self respect in the society.
Though analyst think of property as just investment , It is considered by people emotionally a value to their life.
This is one of the best investment which will give you a monthly income as rent and which can even be reverse mortgaged during olden
days to get income from banks.
To know more click here

6) Investing in Mutual Funds
Generally people fear investing in markets as they believe that it is very risky to invest . These are basically because of lack of knowledge on this
things.People are not willing to change their minds and not ready to allow new things to come in their life.
But today's younger generations are ready to explore all possible ways to get good return for their hard earned money .
Mutual funds are good for even people who don't want to take risk as they are done by experts who know where to invest and when to.
Its always better to invest systematically in these schemes so that we will not suffer huge loss.
To know more click here

7) Investing in Equity
Equity is one of the best place to get high returns for our money .Generally people who are ready to take high risks especially young people
can invest in equity which can yield them 15-17% if planned properly.
Before starting one needs to read the market carefully for some months and be aware of the things happening in the world to know about the
future of market.As market reacts to these news very much as people are emotional often than thinking about future.
To know more click here

Public Provident Fund (PPF) Account

Public provident fund account is a voluntary account which can be opened by individuals who may be a working or unemployed . People can get tax benefit under 80c. The minimum amount which has to be deposit by the account holder is 500 rs/ year. The maximum amount which you can deposit is 70000 rs/ year. The interest return on this investment will be 8% per annum . People who don't want to take risks and who want to save money for long term needs with tax benefit can invest in this PPF. Where can i open PPF account

Which bank give 12% interest?

Currently banks are not giving 12% interest rates on FD.. Instead if you are an employer you can put your money in Infra Bonds or PPF accounts (can be opened in post offices) to get some 8% interest which when added with tax benefit will give you a good return .. But if you are a student its better to invest in stock market or mutual funds for a very good return. If you don have idea on stock market invest in mutual funds which will give good returns in long term.