Loans used to be a lot tougher to obtain in the olden days, but in recent years, obtaining quick loan money is a cinch. With the cost of living showing no signs of letting up, personal loans have begun to play an important role in our day-to-day lives.

Being able to afford daily necessities at the end of the month, or pay for a night out with friends, or even emergencies for which you need urgent money, is sometimes only made possible, thanks to the convenience of a personal loan service that loans money almost instantaneously.

However, while it feels good to get a personal loan easily, it is just as important to pay it back on time. This helps keep your financial standing in good shape and also saves you time and money in the long run.

With that in mind, we look at 5 ways to repay loans on time.

Foreclosure

As we have discussed, we usually need personal loans to pay for debts that are short-term in nature. However, repayment of these loans is a long-term process, as you have to pay back the principal amount with the interest levied on it, over a 12-month period (and sometimes up to 60 months).

If you don't want to have this hanging over you and possess the necessary savings in your kitty, you can get out of it by foreclosing your personal loan. Note that this only is possible once your loan's lock-in period is over, and also, you will have to pay a penalty charge.

Regardless, it's still cheaper in the long run, compared to paying the full interest over the originally stipulated tenure, and it eases your financial pressure.

Consider a Part-Time Job

A lot of students work part-time, in order to pull off their education loan repayment. This allows you to get an early start on the road towards settling your debt. While it can be stressful to juggle your studies and work, it's worth considering if don't see yourself coming into the kind of finances that you would need to foreclose.

You can also go one better and invest the money you earn from your part-time job and then pay off the loan upon finishing your course, with the cumulative sum derived upon investment maturity.

Prioritize From High to Low

It's important to keep in mind that the interest rate of a personal loan is higher than loans for a home or vehicle, for example. As a result, you could dig yourself into a hole if you let them pile up.

So, while you may have a bunch of loans on your plate, make sure to prioritize the personal loan repayment. Doing so will also ensure you pay it off faster.

Debt Consolidation

Another alternative for those with too many loans on their plate is to consider debt consolidation. With so many loans to repay, managing them could get out of hand as the interest rates stack up, making it an uphill task to even pay off your monthly EMIs on schedule.

Debt consolidation allows you to consolidate all your loans into a single entity, altogether removing the headache of paying off multiple loans on varying interest rates. You can make a single payment every month, at a fixed rate of interest. Not only that, when you go for a debt consolidation loan, you'll end up paying a lower interest rate, thus easing the burden of managing your finances.

Personal Loan Balance Transfer

Just like debt consolidation, another alternative which you can avail is a personal loan balance transfer. Say you are not entirely satisfied with your existing lender or your existing credit limit is too low, a personal loan balance transfer offers a quick out for you.

Put simply, it's a process where you transfer your entire outstanding personal loan from one bank to another, and the new bank extends a lower interest rate on the outstanding loan amount.

Do keep in mind, however, that you need to have a good credit score to avail a personal loan balance transfer.

A good credit score is just one of the many benefits of timely repayments when you take an instant loan from mPokket. We have always encouraged responsible borrowing and to that end, we offer incentives such as mCoins and higher borrowing limits.

Simply download and install the mPokket app from Google Play Store, register with a handful of documents, and avail of instant loans up to Rs. 50,000 directly into your bank account.

Emerged as the cash for digital transactions, Bitcoin has become a household since its birth over a decade ago. Its inconsistent prices have kept it in the news over the years. The growing popularity of this digital currency leaves many of us curious about investing in it. Young professionals and students are enticed to it owing to the ease of accessibility, technology backing, and value packaging. Bitcoin is termed as ‘digital gold' when compared to traditional assets. Though the return on investment is exciting, most countries haven't yet legalized it as a form of currency. In this article, we will discover all about bitcoins and explore if it is worth the risk.

What is bitcoin?

Bitcoin is a completely digital currency that is not controlled by any government or financial institution. Based on the concept of cryptocurrency, it is a decentralized online payment system. The first Bitcoin was created in 2009. Its first lines of code were described in a white paper published under the pen name Satoshi Nakamoto, but he is not the owner of Bitcoin. It was designed to function without any interference from the government or any regulatory body. It is not controlled or produced by anyone in the world, not even the one who created bitcoin. All Bitcoin transactions are conducted on digital signatures and digital coins while being maintained on a ledger. They are maintained through publicly accessible blockchains to ensure transparency and prevent hacking. Its decentralized nature requires all nodes handled by individuals across the globe to verify each transaction.

What is Blockchain Technology & Bitcoin mining?

Blockchain is a distributed ledger to maintain the transactional data of a digital asset. Each transactional record is called a block and the public database. where it is stored simultaneously are known as a chain. The transactions are approved through a peer-to-peer network instead of a central clearing authority. It is a complex technology offering accurate tracking of all transactions through a permanent ledger. Blockchain technology is an efficient way of recording information permanently. At present, it is almost impossible to hack or change the system, and it seems considerably difficult to do so in the future as well.

Bitcoin mining is a voluntary practice of reviewing transactions. Individuals known as ‘Miners' invest their time and computing power to inspect the authenticity of the transactions. For each authentic transaction that is added to the network, they are rewarded in Bitcoin. Besides, they can also contribute to the new protocols of the network.

How are bitcoins generated?

Bitcoins are generated by a reward-based process called Mining. This competitive process of cryptocurrency mining engages technologically sound individuals known as Miners. They process transactions and ensure the security of the network in exchange for new bitcoins. The process takes place through powerful computers, needs high-level technical competence, and consumes a lot of energy. Miners solve complex mathematical problems related to the Bitcoin algorithm to generate a reward.

New Bitcoins are generated in accordance with the network protocol at a decreasing rate. The number is halved each year to restrict the total number of bitcoins in existence at 21 million bitcoins. Bitcoin mining a very competitive business as making profits against the increasing number of miners is tough. Miners may not even be able to efficiently cut their operating costs most of the time. As the system is decentralized, there is no central authority with the power to control the system and make it profitable. Once Bitcoin mining comes to a halt, the network contributors may be supported through transaction fees.

What's the real value of a bitcoin?

Bitcoin is incredibly volatile, which is one of the main reasons it makes news headlines every other day. The valuation of a bitcoin can be adjudged based on the following theories:

1. Reflexivity

The demand for bitcoin as a currency decides its value when calculated based on this theory. An increase in its popularity and usage will increase its value. But the valuation cannot merely be attributed to demand and supply, as the total number of Bitcoins that will ever be available is limited to 21 million.

2. The Lindy Effect

This theory is similar to the earlier one, the valuation is based on the optimism and longevity of the digital currency. So, if Bitcoin is being traded confidently and isn't hacked over time, its value is bound to rise. On the other hand, if people lose interest in the currency or consider it as a risky investment option, its value will begin falling.

3. The Gold Comparison

Bitcoin is also compared to gold in terms of its properties as an asset. Both are considered valuable, as they are rare and valuable mediums of exchange. They are great to own and can be easily valued against other resources, but they don't generate income unless someone else buys them. Still, if you compare them, investing in Bitcoin is risky at the moment, as it is just 5% of the Gold available. Gold has built its popularity among investors over centuries and is considered superior.

Can we buy bitcoins in India?

The facility to buy bitcoins is now available in India, however Reserve Bank of India (RBI) expressed concern about cryptocurrency in 2018. Regulated entities such as banks and financial institutions were instructed to restrain from dealing with Bitcoin. The decision was favored by the Supreme Court (SC) of India, back then. Last year, the ban was revoked by SC to allow trading by bitcoin companies only for business purposes. But possessing Bitcoin for individuals is still illegal in the country.

You can buy bitcoin in India through online platforms like Zebpay, UnoCoin (India-based company), CoinSwitch Kuber, and CoinSecure. It is a high-risk investment owing to the volatile trading prices and absence of regulations. There are no guidelines for resolving any related disputes which add to the precariousness of dealing in bitcoins. RBI however is researching digital instruments backed by plans to launch a native digital currency.

The price of bitcoin in India is around INR 40 Lacs, however, as discussed earlier the rates are highly unstable. You can initiate a bitcoin investment by buying even a fraction of it, the minimum amount being INR 500 only. KYC (Know Your Customer) verification is mandatory to initiate bitcoin trade. It includes a PAN card and a valid address proof along with a bank account of the buyer. Document verification takes around 2-3 days, post which you are required to set up a bitcoin wallet. Bitcoins can be stored in online or offline wallets known as hot and cold wallets, respectively. The possibility of hacking hot wallets makes them vulnerable, and most investors prefer storing them in cold wallets. Besides buying bitcoins through crypto exchanges, you can also trade bitcoins through P2P (person-to-person) transactions. These are also carried out through crypto exchanges, but they take more time to be processed.

Experts Talk: Warren Buffett on Bitcoin

Bitcoin has drawn the attention of tycoons from across the world. While most of them find it attractive, others are skeptical about it. Warren Buffet is one of the toughest critics of cryptocurrency. He believes it doesn't have any inherent value, as it doesn't generate any earnings, and compares it to the Tulip craze of 1637. In accordance with his investment principles, Buffet invests only in businesses and sectors he understands. He prefers investing in stable companies over those based on headlines. Companies that grow steadily top his preference list and he doesn't support unpredictable investments.

Are bitcoins the real next big thing?

Bitcoin is becoming increasingly popular among students and young professionals as an alternate asset to hedge market volatility. Though it is now two decades old, you should be mindful while investing in Bitcoin. Consider purchasing cryptocurrency and bitcoin through legitimate exchanges and ensure they follow KYC and AML guidelines.

Mutual Funds, small cases, and ETFs are better options in India for students and young professionals. Millennials have invested heavily in stock markets in the past year and have gained good returns. To plan your investments, you can direct a percentage of your earnings towards savings each month. While mPokket has your back in case of any emergency. Download our instant loan app for students and young professionals to apply for a personal loan whenever needed. The seamless process of availing a personal loan from mPokket allows you to receive money right into your bank account.

The competition in the Indian job market is becoming fierce every day. You must consider upgrading and upskilling yourself constantly by gaining knowledge about what is trending in your domain. Whether you are a fresher or a working professional, you must be adept with the latest techniques and processes of your occupation.

We have listed down top learning courses under 10000 rupees to elevate your career:

Top Software Development Courses

1. Mobile Development:

Rapid penetration of mobile devices including smartphones, tablets, smartwatches, and other wearable gadgets in the Indian markets have boosted mobile app development. Building a mobile app has become an important part of the business and marketing strategy of any organization. You can opt for mobile development courses on the best online learning platforms. You can pursue certification courses for Android and iOS App Development under 10000 for mastering Java, C, C++, and C#, which are popular app development languages.

2. Artificial Intelligence (AI) and Machine Learning (ML)

AI and ML are rapidly gaining popularity as disruptive technologies in the IT sector. They are finding applicability in a variety of business sectors and even in routine-life. You can take advantage of the growing demand and land high-quality jobs by pursuing artificial intelligence and machine learning courses online. Mathematical, statistical, and analytical skills are a prerequisite to learning artificial intelligence programming, and the best online courses cost around 10,000 rupees or more.

Top Course in Finance

3. Stock Trading Course:

Stock Trading certification is the best online course for Finance professionals in India. You can learn the basics, digital tools, and trading techniques useful in the capital markets. These courses are offered by market regulators and top brokerage houses to acquaint beginners with industry jargon, Fundamental Analysis to help you pick the right company, and Technical Analysis which involves studying charts. Pursuing this course for 10,000 rupees equips you with the theoretical and practical know-how of wealth creation through equity markets. You get insights related to company analysis, risk assessment, entry and exit times of stocks, and trading style suitable to meet your personal goals. This short-term course is useful for starting a career in financial planning and wealth management.

4. Diploma in Tally:

Diploma in Tally is one of the top short-term courses in finance after graduation. You can learn the core functions of finance through this course. It includes modules related to accounting, billing, payroll, banking, taxation, and inventory. Tally accounting software is used by small and mid-level businesses. It facilitates ERP functions for them making knowledge of Tally important for beginner-level finance professionals.

Top Courses in Management

5. PMP Certification:

Project Management Professional Certification (PMP certification) is among the best short term online courses for professionals looking to upscale their career. It is a globally recognized certification and will help you in landing better job opportunities. Candidates must fulfill some eligibility criteria based on academics and work experience. Once your application has been accepted and approved, you can prepare for the comprehensive exam conducted by Project Management Institute. You can prepare for the exam through an online short-term course costing in the range of 5000 to 15000. Some institutes offer in-class courses also or you can opt for self-paced preparations. Once you clear the exam, you become a certified associate in project management.

6. Digital Marketing Certification:

The rise of e-commerce has shifted customer preferences. Businesses have expanded their scope of marketing from traditional to digital. Most organizations are adopting an omnichannel approach as they realize customer engagement on social media and digital platforms cannot be overlooked. This shift has led to a demand for talented digital marketing professionals. You can pursue 6 months diploma courses or PG certification in Digital Marketing under 10k to upskill yourself. The course will improve your understanding of Search Engine Optimization (SEO), Search Engine Marketing (SEM), Social Media Management (SMM), and Marketing Analytics. Some courses also include a live project for a hands-on experience. It equips you for specialized digital marketing roles and also helps you upgrade your marketing knowledge.

Top Soft Skill Courses

7. Business Communication Skills Course:

The business world is rapidly expanding beyond national boundaries and communication skills are gaining importance as we go global. It is important to write and speak your thoughts in a clear and concise manner. Pursuing a short-term course in business communication skills gives you a competitive advantage among your colleagues. Most courses train you to effectively address issues in verbal and written aspects of your communication. There are other courses that are comprehensive and include Nonverbal communication as well. Pursuing soft skill courses boosts your confidence helping you project positive body language and facial expressions. Upon completion of the course, you will be adept at skillfully composing text messages, preparing visually appealing reports, and present business documents with conviction.

8. Creative Thinking Course:

In the fast-paced world, we live in today, we need to constantly innovate. To stay a step ahead of your competitors, you must think and implement creative ideas every day. The creative thinking course improves your self-development skills and allows you to amplify your innate creativity. It helps polish your problem-solving skills and equips you with techniques to effortlessly resolve everyday business challenges. The courseware includes various brainstorming techniques, practical tips on problem-solving, and a variety of exercises to practice creative thinking at individual and team levels. You will also learn how to effectively communicate your ideas.

Top Artistic Courses

9. Diploma in Fine Arts:

An entry-level certification is among the best short-term courses after graduation in Arts or class 12th. The course is useful for those interested in building their career in Fine Arts, as it equips you with basic theoretical and practical knowledge. The courseware of most institutes includes techniques of 2D and 3D animation, along with traditional concepts of drawing and painting. You can pursue further education or jobs in the domain of graphic designing, animation, interior designing, sculpting, and archeology.

10. Cosmetology Course:

Passion can be turned into a profession by upskilling. There is a demand for people who specialize in makeup, beauty treatments, and various types of therapies. You can enroll in a diploma or certificate course to brush up on your skills. Beauty therapist courses train you in detail for applying flawless makeup, hairstyling, skin treatments, and massage therapy. Most sessions are conducted in-class, where you get practical training to start a career as a makeup artist and hairstylist.

mPokket Your Trusted Partner

The budget should not be a constraint in your career advancement. mPokket is India's leading student loan app. We provide instant personal loans to make your career growth hassle-free. You can download mPokket instant loan app from Google Play Store to get an instant personal loan online. You can get loans ranging from Rs. 500 to Rs.50,000 directly into your bank account.

The pandemic changed our lives in more ways than we could ever imagine. Digital adoption accelerated across industries and online education has become the norm. This led to a rise in demand for affordable laptops for students.

To help you pick one for your needs here is a list of the most economical laptops for students:

According to the Processor

1. Lenovo V14 AMD RYZEN 3 3250U

Lenovo's V15 is the best business laptop in India under 30000. Its impressive processing power makes it a terrific contender in terms of multitasking when compared to its peers. It boasts an AMD® Ryzen™ 3 3250U Processor (2 Cores/4 Threads), 2.60 GHz, up to 3.50 GHz with Max Boost and 1 MB Cache L2 / 4 MB Cache L3. A 4 GB Soldered DDR4 2400MHz, complements its processing capabilities. There's ample ROM of 1 TB (5400 HDD) offering better space management under DOS environment. For a laptop under 30000, it is well suited to provide you a smooth experience.

2. Dell Inspiron 3000 APU

Dell Inspiron 300 delivers a powerful performance and is among the top Dell laptops within 30000. Powered by a staggering fast AMD APU Dual Core A9 processor possessing a max clock speed up to 3.7 GHz, it is a strong player in the entry-level segment. This laptop has 4 GB DDR4 RAM at 2133 MHz (expandable up to 16 GB). It also includes an AMD Radeon R5 graphic processor for smooth rendering. Pre-installed with Windows 10 Home and the latest Microsoft Office Home/Student 2019, this is a perfect low-budget laptop. It's well suited to handle everyday tasks, be it working on a spreadsheet, attending an online class, or any other tasks. Given its top specifications, this Dell laptop under 30000 is truly an outperformer!

According to the Graphic Specifications

3. HP Laptop 15s-du1052TU

HP 15s-du1052TU gives you a smooth experience and is a top contender among laptops within 30000. It is powered by Intel® Pentium® Gold 6405U (2.4 GHz base frequency, 2 MB L3 cache, 2 cores) and 4 GB DDR4-2400 SDRAM (1 x 4 GB) with transfer rates up to 2400 MT/s. The ROM size is 1 TB(5400 rpm SATA HDD). For fluidic visuals and better rendering, it includes an Intel UHD graphics card(with 24 graphic execution units) that is based on 14nm architecture. With good graphic processing, improving your video experience to a considerable extent along with support for light gaming, making it the best gaming laptop under 30000.

4. Acer One 14 Pentium Gold (Z2-485)

Acer One 14 comes with Intel Pentium Gold dual-core processor, along with Intel's HD 610 graphic processing. Being the best laptop under 30000 for students, it is great for watching videos or browsing the Internet seamlessly. Its HD LED-back-lit display delivers visuals with clear and vivid colors that complement its graphic capabilities. Also, it can handle video editing using dedicated software. Other specifications include 4 GB DDR4 RAM at 2133 MHz and 1 TB HDD ROM to ensure efficient app loading, storing large volumes of data and a better multitasking experience. This laptop is the best performing all-rounder under low budget segment that's truly going to impress you!

According to the Hard Disk Size

5. Asus Celeron Dual Core

Being the perfect Asus laptop under 30000, this one comes with an Intel Celeron Dual Core N4020 processor (along with turbo boost up to 2.8 GHz) and 4 GB of DDR4 RAM making it capable of handling many tasks simultaneously. It possesses a large storage space of up to 1 TB which lets you store, movies, photos, games, and much more on this laptop with ease. It comes with Windows 10 Home and includes inbuilt space optimization tools and ASUS IceCool technology to avoid any heating issues. Overall, it's a great pick which exceeds one's expectation owing to its perfect optimization between software and hardware components.

6. Lenovo Ideapad 3 Athlon

The Ideapad 3 Athlon from Lenovo runs Windows 10 Home version and is powered by AMD Athlon Dual Core 3050U processor. It is a great Lenovo laptop under 30000 clocked at 2.3 GHz with Turbo Boost up to 3.2 GHz. Along with 4 GB DDR4 RAM, it also includes an AMD Radeon graphic processor for smoother visuals. Coming to the storage space, this one comes with 1 TB of HDD that spins at 5400 RPM thereby using less power, which in turn causes minimal heat emission and cuts down the noise. Be it transfer speeds, data storage, or application response time, this sturdy machine makes all the complicated tasks look too easy!

According to the RAM Specification

7. Acer Aspire 3 Ryzen 3

Acer offers a 4GB RAM laptop under 30000, which is suitable for light to medium processing and multitasking. It runs on Windows 10 Home version and is powered by an AMD Ryzen 3 Dual Core processor clocked at 2.6 GHz with Turbo Boost Upto 3.5 GHz, 5MB cache, and a 4 GB DDR4 RAM. Also, RAM on this machine could be expanded by up to 12 GB as per the user's convenience. The RAM management on this machine is optimized in such a manner that it enhances data read/write speeds, thus allowing faster file access which in turn aids the processor to work in its full capacity for supporting multiple processes simultaneously.

8. Asus E410 Pentium Quad Core

Asus E410 is the best laptop under 30000 with 4GB RAM. It runs on Windows 10 Home version. It's powered by an Intel Pentium gold (quad-core) processor, 4 MB cache, 4 GB DDR4 RAM, and NVIDIA GeForce Intel UHD 605 graphics processor. It includes 256 GB SSD storage at 500 RPM. Compared to its peers, this machine is very well optimized to take advantage of using SSD which can read/write data at much faster speeds and this helps its RAM to save some extra bytes of memory to be allocated to more complicated tasks be it effective multitasking, efficient video editing, enhanced gaming, and faster browsing.

According to Screen Size

9. ASUS VivoBook15 X509MA-BR336T

VivoBook from Asus checks off pretty much every box for what we want from a budget-friendly laptop in India. It's powered up by an Intel Pentium Silver N5030 processor with up to 4GB 2400MHz RAM and 1 TB HDD. It has a 15.6-inch LED-Backlit NanoEdge thin bezel HD (1366 x 768 16:9) display along with matte anti-glare coating for a truly immersive and engaging experience. The display goes fully bright at 220 Nits and is having an 82% Screen-To-Body ratio, which is even better than many budget laptops in India. Considering the high-quality display, the power backup on this machine is also pretty decent up to 5hrs.

10. Lenovo Ideapad S145-15IIL

Lenovo Ideapad laptops deliver powerful processing, smooth performance, and a stylish appearance becoming one of the best budget laptops in India under 30000. It runs on DOS and comes equipped with the Intel Core i3 1005G1 10th Generation dual-core processor with up to 3.5 GHz processing speed, 4 GB DDR4 RAM at 2666 MHz, 4 MB cache, and an Intel integrated UHD graphic processor. It sports a two-sided narrow bezel 39.6 cm (15.6-inch) HD LED display(16:9 Aspect Ratio, 220 Nits Brightness) with Anti-glare technology. One can enjoy a larger screen space and an immersive viewing experience along with a better range of viewing angles. This one's a durable machine with a decent display.

Get Instant Loans for your Laptop

Our list helps you shortlist and buy a laptop under 30000 for study and professional purposes. mPokket helps you buy your dream laptop through an instant loan app. Being the best personal loan apps in India, we lend you Rs. 500 up to Rs. 50,000 directly into your bank account.

Wedding season in India is around the corner! Chic décor, thumping music, lavish spreads, and pretty dresses get your excitement levels at an all-time high. But before the wedding party fun begins, comes the pressure of finding a perfect wedding gift within your budget.

The ideal gifts for married couples must match their personality and interests. We have curated a list of best wedding gifts under 20000 to leave you with more time for planning the wedding. Quirky, unusual, and memorable - these gifts are surely going to be loved by the newlyweds.

Wedding Gifts ranging from eccentric to memorable

1. Bookends: One of the best gift ideas for couples who are bookworms. Help them flaunt their collection of books in style. Bookends come in a pair to support books and hold them in place. They come in a variety of designs and double up as stylish showpieces for shelves of any room of a house. You can choose anything from antique to quirky. Bookends are a great gift as they look great in any space. They can match the décor of the couple's new house, or maybe in striking contrast to it. Ranging from INR 2,000 to INR 12,000 it is going to be the best wedding gift for the couple if either of them is an avid reader.

2. French press: You may doubt this one, but trust us, it is the most useful and unique gift for a coffee-loving couple. Be a part of their mornings as they are bound to thank you each day for gifting them the best brew ever. It is the most inexpensive way to prepare the yummiest coffee using a handful of coffee grounds. Coffee connoisseurs dote over the flavor of a French press brew as the entire flavor from the grounds is absorbed. You can buy a nice French press in the range of INR 2,000 to 18,000.

3. Bar Cabinet: A must-have piece of storage for every wine lover's home. Being an unusual wedding gift, you can be sure of not giving them something the couple might have already received. The newlyweds would love to welcome a great bar set up in their new nest. Do a bit of research to know what would suit the design of their house and pick an option ranging from one built-in solid wood to one made of engineered wood. It is one of the perfect gifts for married couples, and you can pick one in the range of INR 3,000 to INR 20,000.

4. Wine Tasting Tour: Wedding preparations and functions become a tiring affair, and by the end of it all the couple wishes for some lone time together. A wine tasting tour is one of the most memorable wedding gifts under 20,000. The bride and groom will thank you in their heads as they sniff, swirl and sip their favorite wines. A fun day at any of the world-class wineries in India will cost anywhere between INR 3,500 to INR 10,000 per person.

5. Lanterns: Home décor items are the best wedding gifts ever. Newlyweds are always excited about the new home they are setting up together, and lanterns are a great way to decorate it. Lanterns would add a rustic charm to their house, and you will be secretly blessing them with positivity. They make stellar showpieces and are a good gifting option. You can pick something to light up their new life together in the range of INR 2,000 to 10,000 depending upon the material you choose. Lanterns made of metal, glass, wood, and porcelain are available in remarkable designs.

6. Luggage: The most useful gift for married couple who love to travel. Excite the globe trotters with fancy luggage. Gift them high-quality suitcases in colors and patterns that match their personality. This gift will make their trips together more memorable. According to your budget, you can pick a single piece or a set of suitcases. Several customizations like the monogram of their initials or a personalized skin can be added for a unique touch. Durable travel bags from good brands are available starting INR 5,000.

7. Crystal Showpieces: Classy and elegant crystal showpieces are the perfect wedding gifts for couples under 5,000. A memorable gift that will adorn their house and remind them of their special day for years to come. Crystal showpieces can also be personalized with the names of the newlyweds and their wedding dates to make them even more special. There are several options to choose from, like champagne bottles, flutes, lamps, paperweights, and plaques.

8. Live Plants: You can gift the newlyweds a collection of easy-to-maintain live plants to decorate their new home. When confused and tight on budget, vibrant potted plants are the perfect wedding gifts for 10,000 rupees. Besides being good for the environment plants are the perfect décor for any house as they add a refreshing vibe to each corner. You can pick a piece of nature for each room of their house and pair it with quirky planters to match up.

9. Subscription Box: A personalized subscription box is a unique wedding gift for couples in India. You can pick one each for the bride and the groom. You will need to research their product preferences before you book the subscription. Pick a collection of products they love and create a personalized beauty box, spa kit, or food hamper. A great gift hamper would cost between INR 3,000 to INR 10,000 per person.

10. Couple Watches: Wrap up the gift of time for the newlyweds. A couple watch set tops the list of classic wedding gifts. These similar-looking timepieces will strengthen their bond over the years as they flaunt them together. You can find sets starting at INR 7,000 and others costing a little above INR 20,000.

Get instant personal loans to gift this wedding season.

Wedding gifts are special for everyone and so put in that extra effort to find the perfect one. Your gift will always remind the couple of your thoughtfulness each time they use it. Try to pick one that will put a smile on their face and not get lost in the heap.

mPokket provides instant personal loans to help you shop for the best gift for marriage of your closest friends and relatives. Download India's best instant loan app from Google Playstore to get an instant personal loan online. You can get up to Rs.50,000 directly into your bank account.

In recent years, women have been making a greater impact in society. Empowered by the wide variety of roles they are playing in arenas like politics, defense, sports, IT, and business. The world has changed and so have women. They are not just earning money but taking the power to invest it in their hands.

The change has been accelerated during the COVID-19 crisis. As the world grappled against an unprecedented economic-crisis, women stepped up to financially support themselves and their families. Women prefer buying traditional assets such as gold, while some may invest money in either fixed deposits or tax-saving mutual funds. But, due to the pandemic, the return on these became less attractive while on the other hand, the capital market crashed. Owing to the plunge, stocks of many large-cap and fundamentally strong companies were available at heavily discounted valuations. It was a great time for first-time investors to enter the market and make gains during the volatility.

This International Women's Day we take a moment to applaud and strengthen the efforts of Indian women towards a better society. Here is an overview of how women have resorted to investing and trading in the capital markets in the year gone by.

Recent Trends

1. The pandemic pushed families across the world to recalculate their budgets. The focus shifted from saving to investment and spending patterns changed considerably. Women stepped in to offer an additional source of income through stock market trading. According to data released by the Securities and Exchange Board of India (SEBI), around 9 million new DEMAT accounts have been opened since April 2020. (Source)
2. The customer base of major brokerage houses has grown up to 4x compared to the pre-COVID level. Most of their new customers are millennials and a significant percentage of them are females. (Source).
3. Women from various backgrounds and even low-income brackets supported their families. They tried their hands-on mobile trading to ensure financial security amidst pay cuts and layoffs of other earning members. Top brokerages reported a five-fold growth in account opening by females in 2020, with approximately 61 percent of them being first-time customers and 30 percent of them being housewives. (Source)
4. Participation of females in managing assets, saving, and investing wasn't restricted to metro cities only. Reportedly females from tier 2, 3, and 4 are taking to investing more than their male counterparts.

Traits that make women better investors

Women in India are considered to be more influenced by saving than investing. But the recent developments show a different trend. Portfolios of female investors have outperformed when compared to those of males. The main traits that women possess as great investors are:

1. Consistency: The investment patterns of females indicate they are more steady investors than men. Their decisions are well planned and distributed throughout the year, unlike seasonal and last-minute decisions of men resulting in only taxation savings.
2. Risk consciousness: Women are more risk-conscious but that shouldn't be mistaken for aversion. A recent trend shows that they have taken calculated risks in the volatile markets and utilized the opportunity to the fullest.
3. Future planning: Females are considerably adept at visualizing and planning for the future of their families. They go to great lengths to ensure the wellbeing of their families and have even started making financial decisions to secure the future of their loved ones.
4. Negotiation skills: Women possess inherent negotiation skills that come in handy while trading and investing in the stock market. They are taking high-risk decisions and earning good returns on their cash.
5. Acknowledgment: This is an important trait noticed in females. It is their ability to realize and research things that they don't know. It saves their portfolio from suffering as they are open to recognizing and rectifying their investment mistakes.

How to join the bandwagon

It is the best time to take your money matters into your own hands. Top brokerages and market regulators are making high-quality tutorials under their investor education initiatives. Leverage the power of digital platforms to learn and try your hand in the capital markets. Here is a step by step process to help you start your journey in the stock market:

1. Select your process- You can invest in stocks on your own or opt for expert guidance through financial advisors.
2. Set a goal- Don't expect quick returns from your investment, set a goal and invest for the long-term.
3. Open an investing account- You will need a Demat and trading account to start investing. Select a brokerage firm that meets your needs for account opening.
4. Set a budget for yourself- Calculate your investment amount according to your goal and budget.
5. Get familiar with stock market basics- Read or watch tutorials related to the basics of stock market investing. Even if you decide to invest through a financial advisor, understanding the basics will be helpful for you.
6. Invest and keep track- Once you start investing, you must keep track of your portfolio and ensure it is in line with your goals.

Take the Leap

Start investing today and capitalize your money. Always remember mPokket has your back for all your little needs. In case of an urgent requirement or just to give yourself a little surprise this International Women's Day you can download India's best Instant loan app from Google Play Store. An instant loan of INR 500 to 50,000 will be credited straight to your bank account whenever you need it.

Bagging a scholarship is a big feather in the cap of any student's academic credibility. Even though you're still in the final stages of completing your education, a scholarship is a boon, especially if your finances are tight.

What is a scholarship?

With the rising costs of education, capable students are often forced to forego their dreams of higher studies on account of financial shortcomings.

Scholarships for education are financial aids awarded to promising students to help them further their studies in their chosen field.

Why scholarships are important?

Since scholarships are earned on merit, they are an automatic boost for your resume.

Aside from that, with education costs rising, scholarships are increasingly important to help those who are already stretched thin financially. Many give up on their dreams of further studies due to being low on financial reserves.

Among them, those who still push ahead, however, turn to borrow from relatives or banks, adding to their debts. Some students even opt to work at part-time jobs to help pay their way. Regardless, these additional burdens invariably end up affecting the student's focus. But scholarships enable students to divert all their attention and time towards their studies only.

Scholarships in India

Keeping all these benefits in mind, the government has allocated a considerable portion of its total education budget for providing scholarships in India. These range from scholarships awarded based on merit, means, talent, and various other categories.

However, in spite of this, many students' academic journeys get derailed. As per a report by the Institute for Policy Research Studies (PRS) in New Delhi, while 77 percent of students enroll themselves in Standard 10, while that number drops to 52 percent by Standard 11.

How the mPokket Scholarship can help college students

In achieving mPokket's vision of a better India, we believe no one should be deprived of fulfilling their academic potential and would like to help every promising student in achieving the bright future they deserve.

With this goal in mind, we are offering a scholarship for college students.

To be a part of this program, simply follow the below steps:

• Log-in to your mPokket account
• Apply for the scholarship program with your education details and family income status
• Provide a recommendation letter from your faculty, printed on your college letterhead with signature and institution stamp
• Submit your application, and post-approval of the same, the amount will be credited to your bank account

If this is the kind of opportunity you have been waiting for, we hope you take full advantage of it and get one step closer to achieving your dreams!

The Union Budget 2021-22 powered India's dream to rebuild its economy, which has been grappling against the side effects of the COVID-19 crisis. Nation's first-ever digital budget was presented by Union Finance Minister Nirmala Sitharaman at Parliament on 1st February 2021. The paperless budget reinforced the ‘Digital India Mission' by replacing the traditional briefcase with a ‘Made in India' tablet. The Budget is growth-oriented and reiterates the government's strong intent for major reforms necessary for the economic recovery of the country.

We have curated details about Budget 2021 to let you know what is in it for you.

All that changed in Budget 2021

The much anticipated ‘Never seen before' budget fared well on its promises. Here is a list of few important changes proposed in the Budget 2021:

1. Healthcare prioritized:

FM declared a major boost to India's last-mile public healthcare delivery system. She announced Rs 2,23,846 crore outlay for health and wellbeing in Budgetary Estimate (BE) 2021-22. The amount is a 137% rise compared to Rs 94,452 crore in 2020-21. It also includes Rs 35,000 crore to be utilized in the fight against COVID-19 through a nationwide vaccination drive. The FM also proposed a new centrally sponsored health scheme named PM Aatma Nirbhar Swasth Bharat Yojana. An outlay of Rs 64,180 crore will be spent on the scheme over the next 6 years. To promote insurance promotion in newer markets across the country, the foreign direct investment (FDI) limit in the said sector has been proposed to be increased to 74% in the 2021 budget.

2. Auto sector revival:

Eyeing the opportunity to improve the condition of the auto sector, the ‘Voluntary vehicle scrapping policy' was announced by FM. The policy aims at removing old polluting vehicles off the Indian roads and is being warmly welcomed by the industry. Another important announcement was the 15% increase of import duty on specific auto parts.

3. Relief to Senior citizens:

FM announced an exemption from filing income tax returns for individuals above the age of 75 years if their income is sourced through pension and interest income only.

4. Thrust to the Real estate sector:

An additional benefit of Rs 1.5 lakh tax deduction on home loan interest, until March 31, 2022, has been extended by the FM. The move would boost the residential property sector.

5. Financing for Public Infrastructure:

The capital deprived public infrastructure sector will receive its fair share as the government will set up a professionally managed Development Finance Institution (DFI). DFI will fund key infrastructure projects under the National Infrastructure Pipeline- a five-year program worth Rs 111 trillion. Capitalized by Rs 20,000 crore, it will accelerate spending on greenfield projects and benefit brownfield ones by leveraging a debt of Rs 5 lakh crore within three years.

How will the budget impact young working professionals?

The pandemic highlighted the need to build a self-sufficient economy empowered by digital resilience. It is imperative to enhance the digital skills of our youth and upskill our existing workforce. Here are the key takeaways from the budget for working professionals.

1. Rise in employment opportunities:

The budget emphasizes the vision of AatmaNirbhar Bharat to develop a self-reliant nation, as a roadmap to economic revival. FM announced measures to promote job creation in banking, insurance, healthcare, infrastructure, textile, and agriculture.

2. Incentivize One-Person Companies (OPCs):

To emancipate startups, non-resident Indians (NRIs), and innovators, FM proposed to incentivize the incorporation of one-person companies. The proposal will allow them “to grow without restriction on paid-up capital and turnover, allowing conversion into any other type of company at any time, reducing residency limit for an Indian citizen to set up an OPC from 182 days to 120 days.”.

3. Tax Incentives:

The tax holiday for startups has been extended by one more year so they will get capital gains exemption to 31 March 2022. The government has also extended the provision for new home loans to promote the purchase of affordable housing. Buyers opting for houses valued under 45 lakhs will get an additional deduction of Rs 1.5 lakh on the interest paid on home loans.

4. Funding for MSMEs:

The Micro, Small, and Medium Enterprises (MSME) sector was the worst hit during the pandemic. FM announced Rs. 157 billion outlay for the revival of the sector, which will be a great relief to its unorganized workforce. Along with the increase in the MSME budget, the definition of small companies under the Companies Act, 2013 has also been updated. This is predicted to be valuable for MSMEs and start-ups across various industries.

Can College Students Overlook Budget 2021?

Finance Minister announced a reduction of 6.13% in the budget allocation for the Ministry of Education. A total budget of Rs 93,224 crore will be allocated for education, but there have been some major measures in the budget for new college graduates.

1. The setting up of the Higher Education Commission of India was announced in the last budget. This year Centre would implement it by introducing the legislation to set-up the Commission.
2. Central University to be set up in Leh to offer access to higher education in Ladakh.
3. The government proposes a Rs 3,000 crore outlay for providing post-education apprenticeship, training of graduates and diploma holders in Engineering. They will amend the Apprenticeship Act to realign the existing scheme of the National Apprenticeship Training Scheme (NATS). This would create more apprenticeship opportunities for the youth.
4. An initiative for collaborative Training Inter Training Programme (TITP) with Japan is also underway. It is aimed at inculcating Japanese industrial and vocational skills, techniques, and knowledge among youth to upskill them for better roles.
5. Under another initiative in collaboration with United Arab Emirates (UAE), skills and qualifications will be assessed and certified. It would also involve the deployment of a certified workforce across industries.

There hasn't been much in the budget for college students, you must plan your education and grad school budget wisely. Besides government student loans, you can download mPokket's instant loan app for students to get into the college of your dreams.

Whether you are applying for a loan online or from a brick-and-mortar institution, it is imperative that you gather all the important information. It will give you a better chance of getting your loan approved.

It will also help you to borrow at a competitive interest rate.

Before applying for a loan, you should be well-informed about a host of factors such as charges and fees, interest rate, credit score, etc. These will enable you to make the right decisions.

It will also help you to avoid the pitfalls such as borrowing an insufficient or excessive amount, getting the repayment plan wrong, or opting for the wrong lender in the first place.

Why Do You Need A Loan?

Is it a matter of life and death? Or, would you like to make a luxury purchase?

Depending upon your need of the moment, you may either go for a long-term loan or a short term one.

A long-term loan, typically taken for a car, home, or in the case of a medical emergency, builds assets or protects life.

A short-term loan, on the other hand, is not meant for frivolous borrowing.

In fact, it is recommended that you treat short-term loans the same way you treat your credit card – as a stop-gap measure used only during emergencies where you will get a quick reprieve.

Are You Eligible?

First things first!

Before approaching a lender, you have to make sure that you fulfill the eligibility criteria. Are you old enough to borrow? What kind of credit history do you have? Are you employed? Do you have your proof-documents in order?

In addition to the documents that are mandatory for you to furnish at the time of availing of the loan, you also have to keep your financial history handy.

Prudent lenders tend to perform thorough due diligence before allowing loan-takers to borrow money.

The Loan Amount

This is a no-brainer!

Getting the loan amount right is the key to successfully repaying it at a later stage, both in terms of your installment options, charges, and interest rates.

The rule of thumb is that you should only borrow the most essential amount – that which you cannot do without. You can always make arrangements for additional financial assistance later or even take another loan if required.

Negotiate Your Interest Rate

This is where a good credit history pays off!

If you happen to have a healthy score, you are a prime target by lenders for attractive loan options. This means that they are willing to compete with each other for your business.

As such, you can hard-bargain an interest rate that best suits your wallet. You'd be surprised by how much even a modest reduction in the rate can substantially alleviate your repayment woes.

Your Income Matters

Are you employed?

When it comes to loans, especially the short-term ones with quick repayment tenure and no collaterals, the employment status of the borrower becomes important.

Nature, profile, and earning capacity of the loan-taker directly affects the amount of money that he or she can borrow.

A Good Credit Score

The credit score, popularly known as the CIBIL score in India, is a measure of how creditworthy you are. It is calculated on the basis of your repayment history.

The range of the CIBIL score is between 300 to 900. If you have a score above 750, you're in luck!

A bad credit score implies that you have a chequered history when it comes to credit repayment. This could translate into a high-interest rate. It could even result in your loan application being rejected.

Fortunately, maintaining a healthy credit score is relatively easy. Simply pay your repayment options on time. Instead of having to remember the date of repayment every month, you could automate the entire process through your bank.

Another good way to ensure a healthy credit score is to reduce the number of credit cards that you are using. When you use the same card over and over and make your payments on time, it reflects upon your credit score positively.

The Fine Print

When availing of a loan, go through every line of the agreement document meticulously. Make sure that you understand the clauses that deal with your repayment plan and the consequences if you default.

Before you sign on the dotted line, you should be well-versed with the penalties levied, the charges, and the fees.

This will save you a world of trouble and headache later.

At mPokket, we understand the risks a borrower takes every time he or she avails a loan. This is why we leave no stone unturned to ensure that our customers have a seamless experience when taking money from us.

To know more about us, one of the best instant loan apps in India, download and install from Google Play Store today.

The world at large is now slowly starting to recover from the devastation wrecked by the coronavirus pandemic. Aside from the human toll, the economic impact delivered a blow to people's finances as well.

For many who lost their source of income, it was a wake-up call to start managing their finances better. Those, on the other hand, who were wise with their money, managed to ride through the lean period relatively smoothly by comparison.

Regardless, it's always a good time to start keeping tabs on your finances, and with that in mind, we give you 10 money management tips:

Take care of your immediate needs first

Before you rush to formulate a budget, it is important that you establish what your priorities in life are right this moment. What needs to be done now has to take priority over any future planning.

So, with that in mind, take a look at your immediate needs. Do you have a stack of unpaid bills? Any unavoidable expenditures such as a medical procedure or education payments?

If so, make that your immediate priority and account for those costs first.

Measure your monthly take and outflows

It's hard to manage money if you don't even know how much money you're working in the first place.

Start with your monthly income minus taxes. Add that to any surplus income you may be earning by way of freelancing or a side business.

Once that is done, see how much your monthly outflow is. Put together everything including bills, credit statements, Paytm history, and any other expenditures, and add up your monthly expenses.

See where the bulk of your money goes. Categorize spends by order of importance. You will surely realize there are certain unnecessary areas where you overspend.

Make a Budget

Now that you have a good account of what comes in and what goes out, make a plan that is in tune with your spending patterns.

If there's something you really enjoy doing, like a Saturday night outing with your friends, there's no need to cut that out. Instead, budget your other expenses (without cutting into any emergency funds).

Maintain an emergency fund

The pandemic of 2020 proved that it's hard to predict when a cash crunch might arise. For this reason, it's important that you set aside some easy-to-access funds.

While keeping this emergency fund aside will eat into your expenses elsewhere a bit, it will provide you with a feeling of security that you won't get any other way.

Save, save, save!

No matter whether you're barely earning enough to make ends meet or you're rolling in money, one habit you must never break is saving regularly.

It's not like you have to lock your money in an investment scheme, as even the interest generated by most savings accounts will add up to a tidy sum over time, and it's insured by the government!

Take advantage of Employee Provident Fund

If you earn over INR 15,000 per month, you're eligible for Employee Provident Fund (EPF). The fund is made up of contributions from the employee as well as employer every month, with both contributing 12 percent of the employees' monthly salary.

The accrued interest thereafter is tax-free and the employee can withdraw a lump-sum on retirement.

Revaluate your health insurance

Take a good look at your health insurance plan and compare it to other offerings to see what sort of benefits you're missing out on that could significantly cut down the expenses from your own pocket.

Paper, not plastic

The arrival of convenient cashless payment modes has made transactions infinitely easier than the old-fashioned method of paying for everything with cash.

However, you tend to spend more casually when a purchase is simply a UPI code or credit card swipe away. Instead, the act of actually pulling out your purse or wallet, counting and putting together the notes of hard-earned money on the cashier's table hits home much harder.

Increase your investment options

Don't get hung up on one type of investment. Explore your options. Interest rates on various schemes are constantly changing and competing banks are introducing newer plans.

For example, you may feel fixed deposits and PPFs are safer and more reliable than say, mutual funds. But ask around, talk with your friends and family to see how you can make it work to your advantage while avoiding any pitfalls.

Find what works and stick to it

After a few months of playing around with the above options, you will ideally arrive at an arrangement that just ‘clicks' for you. Stick with it and don't get sidetracked.

Avoid getting tempted by shiny new avenues or fuzzy advice and you will find that it will pay off for you in the long run.

While it's true that despite the best planning in the world, sometimes, situations arise that call for something extra. We at mPokket realize that in today's at-times unpredictable economic climate, the need for a sudden cash infusion is one that is felt by many, especially those making their way in the working world.

For that reason, we now have a loyal customer base running into tens of lakhs to whom we offer instant loans of anywhere between INR 500 to 50,000 credited straight to their bank account. All you need to do is download and install mPokket from the Google Play store, upload a few documents, and get approved.

With every passing day, more and more FinTech ventures are offering an online personal loan. Subject to your needs and requirements, either an offline loan or an online one is suitable for you.

Some borrowers prefer an in-person experience. For them, the conventional brick-and-mortar bank is ideal. However, if modern conveniences and fast funding are your preferences, and the online lender is right up your alley.

The rule of thumb is that you should go for the lender who gives the lowest interest rate. To ensure this, always take quotes from multiple personal loan givers before making an informed decision.

When It's An Emergency

When you need money urgently, online quick loans are the best option. Online loan givers can process applications much faster than traditional banks.

In fact, many online lenders offer same-day loan disbursement or within 24 hours.

In addition to speed, online lenders offer a host of other benefits. By posting their rates online, they provide full transparency. It also aids their borrowers with their research.

According to industry experts, using online loan applications also assuage a lot of the anxiety that borrowers face. Despite having good credit, loan-takers often wonder if they will get the amount they are seeking.

The transparency practiced by most instant loan apps eliminate such apprehensions.

Any-Time Loan

One of the most amazing things about the internet is that it is open for business 24X7. You can apply for a loan anywhere, anytime.

Suddenly remember that your gym membership is due while catching a movie with friends? Apply for an instant online loan.

Traveling with family and need urgent cash? Apply for an instant personal loan online right now.

Out of cash while out on a lunch date with your girlfriend? Take an online personal loan right now.

Lots Of Options

Imagine a personal loan marketplace that offers you credit that is tailor-made to your unique needs and one-time requirements. Now imagine a marketplace that offers innumerable such offers.

That's right! Availing an online personal loan enables you to assess multiple offers from the same company as well as myriad offers across competitors.

By comparing terms and interest rates across the board, you will be in a much better position to make the right decision.

When You Are Not Eligible For Traditional Lenders

Conventionally, brick-and-mortar banks do not lend to college students or young professionals. They are averse to borrowers who cannot put up collaterals or assets.

In some cases, youngsters are not employed. Borrowers who cannot furnish proof of employment cannot borrow a personal loan from conventional financial institutions.

In such scenarios, borrowers who are not eligible for a personal loan from traditional institutions have to turn to online personal loan apps that have a much simpler onboarding process.

Pre-Approval

Many online applications offer a personal loan that is pre-approved. Based on your credit history and income, an amount is calculated against which minimal documentation is required.

Since the borrower is now already eligible for the amount, there is a significant reduction in processing time and the personal loan is disbursed immediately.

Innovative Products

In order to better serve their customers with customized offerings, personal loan apps tailor-make their products to suit the unique needs of their consumer base. So, they create products such as bikes, travel, and wedding loans.

These products cater to a very niche but important section of the consumer base, thereby building brand loyalty and ensuring repeat business.

Unfortunately, online personal loan offerings and lenders are not a happy story all around. One of the biggest issues borrowers face with online lenders is credibility.

Imagine a large, financial conglomerate that is widely known all around the world. With offices in every city of your country, you will not be faced with any dilemma when availing a home loan, car loan, education loan, or business loan from them.

Compare that to an online lender whose only interaction with you is through an app downloaded on your smartphone.

In such a scenario, you are bound to ask questions pertaining to trust. Will I get the money on time? Will I get the money when I need it? Will this personal loan app respect my privacy?

Are all the confidential information that I share with the personal loan app safe?

With mPokket, you have no such thing to worry about. One of the best personal loan apps in India, we have a loyal customer base that runs into tens of lakhs of users.

One of the biggest reasons behind our success with our customers is the user-friendliness of our app. Simply download and install mPokket from Google Play Store, register with just a handful of documents, and get approved.

You can borrow from Rs.500 up to Rs.20,000. The money will be credited directly into your bank or Paytm account.

The smartphone market in India has registered a 9% YoY growth by Q3 in 2020. A major share of sales is contributed by students. Smartphones are companions during lectures while collaborating over assignments, for lesson revisions, and even for leisure.

Being a student, you have specific uses of a smartphone and must focus on features that cater to your needs. An ideal phone should be a high-performance device with the latest processor, a great camera, long-lasting battery life, and must suit your budget too.

We have curated a list of the top 10 best-suited smartphones for students under 20,000:

Phones with the Best Camera

1. Realme 7 Pro for INR 19,999/-

SpecificationsDisplay6.4 inches, 1080×2400 pixelsProcessorQualcomm Snapdragon 720GRAM8GBStorage128GBBattery Capacity4500mAhRear Camera64MP + 8MP + 2MP + 2MPFront Camera32MP

The Realme 7 Pro is the best camera phone to buy under 20000. It comes with an AMOLED display and stereo speakers for a great viewing experience. Realme 7 Pro includes 4 rear cameras- a 64-megapixel Sony IMX682 main camera, an 8-megapixel ultra-wide-angle camera, a 2-megapixel depth camera, and a 2-megapixel macro camera. You can capture great photos with natural-looking colors in regular lighting or HDR mode. Photos shot in low-light or dark places also come out well without much visible grain.

2. Redmi Note 9 Pro Max for INR 14,999/-

SpecificationsDisplay6.4 inches, 1080×2400 pixelsProcessorQualcomm Snapdragon 720GRAM8GBStorage128GBBattery Capacity4500mAhRear Camera64MP + 8MP + 5MP + 2MPFront Camera32MP

Redmi best camera phone under 20000 is the Redmi Note 9 Pro Max. It has four rear cameras including a main camera with 64 megapixels, 8 megapixels ultra-wide, 5-megapixel macro lens, and 2-megapixel depth sensor. You get the benefits of pro mode photography, and excellent night mode captures. The front camera is 32-megapixel, allowing you to take stunning selfies. The phone also has a 6.67-inch Full HD Plus display and a 5020mAh battery powered through a 33 Watt fast charger.

Phones with Top Processors

3. Vivo Z1x for INR 18,990/-

SpecificationsDisplay6.38 inches, 1080×2340 pixelsProcessorQualcomm Snapdragon 712AIERAM8GBStorage128GBBattery Capacity4500mAhRear Camera48MP + 8MP + 2MPFront Camera32MP

Vivo Z1x is among the best performing Vivo phones equipped with Snapdragon 712 AIE. It is packed with a 64-bit CPU – Qualcomm Kryo 360, a clock speed of up to 2.3 GHz, and Adreno 616 Graphic Processing Unit (GPU) to give you the best gaming and multitasking experience. Third generation AI Engine boosts performance by 10%.

4. OPPO K3 for INR 20,007/-

SpecificationsDisplay6.5 inches, 1080×2340 pixelsProcessorQualcomm Snapdragon 710RAM8GBStorage128GBBattery Capacity3765mAhRear Camera16MP + 2MPFront Camera16MP

Oppo K3 is packed with Snapdragon 710 and is among the Oppo best phones. Its 10nm processor has a maximum operating frequency of 2.2 GHz, improving its peak performance by 15%. It runs on ColorOS 6, based on Android 9 Pie. The Game Boost 2.0 enhances your gaming experience with its frame and touch accelerators.

Phones with Top Processors

3. Vivo Z1x for INR 18,990/-

SpecificationsDisplay6.5 inches, 1080×2400 pixelsProcessorSamsung Exynos 9611RAM6GBStorage128GBBattery Capacity6000mAhRear Camera64MP + 12MP + 5MP + 5MPFront Camera32MP

Galaxy M31s is the best Samsung phone under 20000 with a big 6000mAh battery. A 25W fast charger comes along with the phone which charges the battery to 100% in just 97 minutes. The monstrous battery lasts up to 2 days even with heavy usage. It sports a chic “3D Glasstic” look, the premium glass-like glossy surface made of plastic adds durability to the phone. The side-mounted fingerprint scanner picks up fingerprints like a magnet.

6. Poco X3 for INR 15,999/-

SpecificationsDisplay6.67 inches, 1080×2340 pixelsProcessorQualcomm Snapdragon 732GRAM6GBStorage64GBBattery Capacity6000mAhRear Camera64MP + 13MP + 2MP + 2MPFront Camera20MP

Poco X3 is the best phone under 20000 with the best battery life. It is equipped with a 6000mAh battery which lasts more than 1.5 days on a full charge. The phone battery quickly charges to 65W and is at 100% in just 65 minutes. It boasts of consistent performance enabled by the octa-core Qualcomm Snapdragon 732G processor. Loud stereo speakers and an LCD panel with a Full HD+ resolution, making the device ideal for a great gaming experience.

Best Phone for Gaming

7. Realme 6 Pro for INR 15,999/-

SpecificationsDisplay6.7 inches, 1080×2400 pixelProcessorQualcomm Snapdragon 750GRAM4GBStorage128GBBattery Capacity5000mAhRear Camera48MP + 8MP + 2MPFront Camera16MP

Realme latest phone is the 6 Pro, a mid-range flagship device capable of high-performance gaming. Featuring the powerful Snapdragon 720G chipset and a wide 6.6-inch LCD display. The device has 8GB of RAM and 128GB of expandable storage, for the ultimate gaming experience. Its 4300mAh battery lasts over a day and can be quickly powered using 30W fast charging for uninterrupted gaming. A capacitive fingerprint sensor is built in the power button and a face unlock option is also available.

6. Poco X3 for INR 15,999/-

SpecificationsDisplay6.6 inches, 1080×2400 pixelsProcessorQualcomm Snapdragon 720GRAM6GBStorage64GBBattery Capacity4300mAhRear Camera64MP + 8MP + 12MP + 2MPFront Camera16MP + 8MP

Moto G 5G is the latest and best phone in the market under 20,000 for gamers. It is a 5G ready smartphone from Motorola equipped with the latest Qualcomm Snapdragon 750G. It improves CPU performance by 20% and allows headroom for smooth performance while playing the latest games. To improve your gaming experience, the 6.7” FHD+ Max Vision display is supported by HDR10 and a fast-charging 5000mAh battery which lasts over 2 days.

The All-Rounder!

9. Motorola One Fusion+ for INR 17,499/-

SpecificationsDisplay6.5 inches, 1080×2400 pixelsProcessorQualcomm Snapdragon 730GRAM6GBStorage64GBBattery Capacity4300mAhRear Camera64MP + 8MP + 12MP + 2MPFront Camera16MP + 8MP

Motorola One Fusion+ is one of the best phones with snapdragon under 20000 with an all-round performance. This budget-friendly smartphone sports a pop-up selfie camera and an all-screen 6.5-inch display. It is HDR 10 certified and offers a great viewing experience with an IPS panel and a loud bottom-firing speaker. Powered by Qualcomm Snapdragon 730G processor, the device is great for multi-tasking and intense gaming. A powerful 5000mAh battery supplied through an 18W charger lasts for over 2 days after a full charge in around 2 hours. Good photos can be captured even in low light through its quad-camera setup with a 64-megapixel primary camera.

10. Redmi Note 8 Pro for INR 17,999/-

SpecificationsDisplay6.53 inches, 1080×2340 pixelsProcessorHelio G90T Professional Gaming ProcessorRAM8GBStorage128GBBattery Capacity4500mAhRear Camera64MP + 8MP + 2MP + 2MPFront Camera20MP

Redmi Note 8 Pro is one of the best budget phones under 20k equipped with stunning features. Powered by Helio G90T Professional Gaming Processor and a mighty battery of 4500mAh, the device delivers robust gaming performance for up to 10 hours. It is India’s first phone with built-in Alexa and the most influential AI Quad Camera Array. It can be called Redmi best phone under 20000 for its performance, looks and capacity.

Low on Budget? mPokket has you covered!

Now that we have helped you decide which phone to buy, mPokket instant loan app for students can help you order the best one too. Being India’s best instant student loan app, we offer loans from Rs.500 up to Rs.50,000 to college students directly into their bank account.