B.D.S is a Private Limited Company located in Dehradun, Uttarakhand. Basically B.D.S provides the services like Home Loan, Personal Loan ,Loan Against Property, Business Loan, Mutual Funds, Life Insurance and General Insurance to the borrowers. Here, we see the types of services provided by B.D.S.
B.D.S offer best interest rates on the market. Also B.D.S give the best services to it’s Customer. The Customer can apply for the loan in a very easy and quick manner. Only some important documents required and then the borrower can get loan within a few days. Our simple and easy online application process ensures that money could be in your account within a very short time. Furthermore, the borrower can handle his/her account online. However, if the customer get any problem in any phase he/she can contact us immediately. Our friendly customer’s service is always ready to help them. Services provided by B.D.S are very much transparent and relevant.
Table of Contents
Features provided by B.D.S :-
- Trust : The privacy policy of B.D.S gives a very clear-cut explanation that how and where we use the personal information of our customer. The information collected by the customer will be used for the legal purposes only.
- Speed : After all the required documents get submitted, we start the procedure of approval of loan and the process will be done within two days. The customer can also get a call by the manager of the company to finalize the further process.
- Transparency : Our main specialty is the transparency that we provide to our customers. Our company provides proper credit information to the customer before and after the approving of loan.
Types of Services provided by B.D.S :
There are different types of services provided by B.D.S. :-
1. Loan Services provided by B.D.S :
- Home Loan
- Personal Loan
- Loan Against Property
- Car loan
- Business Loan
- Plot Purchase Loan
Home Loan Service
Home Loan is a Secured loan. In Secured loan, borrower should have to give some collateral(property) to borrow the money. An applicant can apply for a Home Loan if he/she wants to purchase a house or a flat, construction of house or renovation of a house.
Eligibility Criteria :
There is some eligibility criteria to get the Home Loan :-
- Age : For Salaried and self-employed person : 25 to 60 years.
- Credit Score : Credit Score of an applicant must be good (from 750 to 900).
- Income : Minimum Income should be 25,000/month.
- Property : As it is a secured loan, so some property should be submitted to the bank.
Who can apply for Home Loan :
Home Loan can be avail by Salaried-Employed person, Self-Employed person, Professionals and by some Company.
Interest Rate :
Interest Rate of Home Loan is : 6.80%-8.70%.
Loan Amount :
The Loan Amount depends on the property value. The higher the value of the property, higher you will get a loan.
Loan Tenure :
Loan Tenure for Home Loan is up to 30 years.
More Info. Documents Required Interest Rates
Personal Loan Service
It is an Unsecured Loan in which the customer does not have to give any collateral. Personal Loan can be avail by someone who wants to fulfill his/her personal needs. If someone wants to borrow money for various personal purposes can go for a Personal Loan.
Eligibility Criteria :
There is some eligibility criteria to get the Personal Loan :-
- Age : For Salaried-employed person : 21 to 58 years.
For Self-employed person : 25 to 60 years.
- Credit Score : Credit Score of an applicant must be good (from 750 to 900).
- Income : Minimum Income should be 25,000/month.
- Property : There is no need to submit any property to the bank as a collateral.
Who can apply for Personal Loan Service :
Personal Loan can be avail by Salaried-Employed person, Self-Employed person.
Interest Rate :
Interest Rate of Personal Loan is : 11% -17.50%.
Loan Amount :
The Loan Amount for a Personal Loan is 1 Lakh minimum and maximum of 50 Lakhs.
Loan Tenure :
Loan Tenure for Personal Loan is from 12 months to 60 months.
More Info. Documents Required Interest Rates
Business Loan Service
Business loan is Unsecured loan, so it is free from collateral. Running a business is not that easy. You have to take all the advantage of the opportunities that come in your business way. But for this a business runner needs money. Business Loan can help you to running your business, starting your business or expanding your business. This loan also helps you to get rid of any financial problem.
Eligibility Criteria :
There is some eligibility criteria to get the Business Loan :-
- Age: From 21 to 65 years
- Credit Score : Credit Score of an applicant must be good (from 750 to 900).
- Income : Minimum income of Business should be 1.5 lakhs/year.
- Business should have at least 1 year of stability.
Who can apply for Business Loan Service :
Proprietors, Self-Employed individual, Partnership Firms and Private Limited Company can apply for Business Loan.
Interest Rate :
Interest Rate of Business Loan is : 12. 75% – 21. 70% .
Loan Amount :
You can get a maximum of 70 lakhs of Loan Amount in Business Loan.
Loan Tenure :
Loan Tenure for Business Loan is from 12 months to 36 months.
More Info. Documents Required Interest Rates
Car Loan Service
Buying a car is the one of the luxurious dream or necessity for a family. Though everyone can’t afford to buy a car. But banks will help you to buy your dream car. This is a secured loan so the value is secured against your new car.
Eligibility Criteria :
There is some eligibility criteria to get the Car Loan :-
- Age : For Salaried-employed person : 21 to 60 years.
For Self-employed person : 21 to 65 years.
- Credit Score : Credit Score of an applicant must be good (from 700 to 900).
- Income : For Salaried-Employed applicant, minimum income should be 25,000/month and for Self-Employed applicant minimum turnover of Rs 40 Lakh.
- Property : It is secured loan, so there is need to submit collateral to the bank.
Who can apply for Car Loan Service :
Car Loan can be avail by Salaried-Employed person, Self-Employed person.
Interest Rate :
Interest Rate of Car Loan is : 9.30% – 10.25% .
Loan Amount :
The Loan Amount for a Car Loan depends on the property you will going to submit as a collateral. The other option to buy a car is Personal Loan. You can avail for a Personal Loan also to buy your dream car.
Loan Tenure :
Loan Tenure for Car Loan is up to 7 years.
More Info. Documents Required Interest Rates
LAP(Loan Against Property) Service
Loan Against Property is a Secured loan. Someone can avail this loan to fulfill their Personal as well as Business requirements. As compare to the Personal Loan, here rate of interest is low, however you have to submit your commercial or residential property to lender(bank) as a collateral.
Eligibility Criteria :
There is some eligibility criteria to get the Loan Against Property :-
- Age: For Salaried-Employed as well as for Self-Employed person : 25 years to 65 years
- Credit Score : Credit Score of an applicant must be good (from 750 to 900).
- Income : Minimum Income should be 25,000/month.
- Property : As it is a secured loan, so some property should be submitted to the bank.
Who can apply for Loan Against Property Service :
Loan Against Property can be avail by Salaried-Employed person, Self-Employed person, Professionals and by some Company.
Interest Rate :
Interest Rate of Loan Against Property is : 8.95 – 9.80% .
Loan Amount :
You can get a Loan Amount of 40% to 60% value of the property which you are going to submit as a collateral .
Loan Tenure :
Loan Tenure for Loan Against Property is from 5 years to 15 years.
More Info. Documents Required Interest Rates
Plot Purchase Loan Service
When you want to purchase a plot of land, you could build an area that is uniquely yours. Plot loans assist you purchased the land for your house so that you can start turning your dream domestic into reality. Availing a property loan is not always a large task in today’s technology, but it involves selecting a reliable supply presenting loans at low hobby costs.
Eligibility Criteria :
There is some eligibility criteria to get the Plot Purchase Loan:-
- Age: For Salaried-Employed as well as for Self-Employed person : 21 years to 65 years
- Credit Score : Credit Score of an applicant must be good (from 750 to 900).
- Income : Minimum income must be 25,000/month.
Who can apply for Plot Purchase Loan Service :
Plot Purchase Loan can be avail by Salaried-Employed person, Self-Employed person, Professionals and by some Company
Interest Rate :
Interest Rate of Plot Purchase Loan is : 7.30% – 7.70% .
Loan Amount :
The Loan Amount for a Plot Purchase Loan depends on the property value. You can get 70% to 85 % value of the property.
Loan Tenure :
Loan Tenure for Plot Purchase Loan is up to 15 years.
More Info. Documents Required Interest Rates
2. Other Services provided by B.D.S:
- Mutual Fund
- Insurance
Mutual Fund
Mutual Fund is a great way to invest the money. It is great for those who want to save money for future use. A Mutual Fund is a pool of money where many investors invest their money in different securities like stocks, bonds, money market etc.
Generally, Mutual Funds give the benefit of diversification to the small or individual investors. The value of mutual funds company depends on the securities which they want to buy. When the investors buy a share of mutual fund, usually they are buying a part of the portfolio’s value. Investment in a shares of mutual fund and in shares of stock are two different things.
What is NAV?
Simply the price of mutual fund shares is referred to as Net Asset Value. It is the price at which investor who want to invest in mutual fund buy fund shares from a company and sell them to a fund company.
Life Insurance
What is Life Insurance ?
Life Insurance is a contract between an individual and a life insurance provider. On the basis of this contract life insurance provider gives protection to the policy holder in exchange of money.
Why Life Insurance is important ?
Life Insurance policy gives you the financial stability. It is helpful for your family in the circumstances where you cannot earn money or in the case of your demise.
Benefits of Life Insurance Policy:
- Financial stability
- Future savings
- Tax benefits
Health Insurance
What is Health Insurance ?
Health Insurance is a type of insurance that covers all the medical expenses. It ensures the policyholder that it works against all the medical treatment that occurs due to sickness or any accidental injuries.
Why Health Insurance is beneficial ?
Nowadays, The cost of treatment is very expensive. No one wants to get hurt or ill however at a point we all suffer in life due to medical issues. And the best way to get rid of any tension in this case is a health insurance policy. After taking this policy you don’t need to take any tension about your hospital bills.
You can choose different types of Health Insurance policy on the basis of your age, occupation, income, lifestyle etc.
The different types of health insurance includes individual health insurance plan, family cover, group cover, senior citizen health cover, insurance for critical illness, and top-up.
3. Registration Services provided by B.D.S :
- GST Registration and Filling
- DSA Registration
- Income Tax Filling
- TDS Return
- TDS on Sale of Property
GST Registration and Filling
What is GST ?
GST is a Goods and Services Tax. The GST is a value-added tax charged on goods and services that are sold for domestic consumption. GST is paid by all the citizens of India, but not directly. The tax price is included in the final price and then sold to the customer. The GST paid by the customer is passed to the government by the seller.
GST registration :
GST Registration for all the business owners whose turnover is around 40 Lakhs is mandatory. But sometimes this criteria is different from state to state, e.q, J&K, Himachal Pradesh, and Uttarakhand. These states business owners should have to register for GST if their turnover is around 10 Lakhs.
GST Penalty :
GST needs to be paid by all the business owners who come under the eligibility criteria. Some penalty is taken by the government if GST is not paid by the owner.
DSA Registration
What is DSA ?
DSA is a Direct Selling Agent who works on behalf of a bank. Basically the job of a DSA is to find a customer for the bank who wants to take out a loan and these leads are further directed to the bank. DSA are paid according to the percentage of the type of loan and loan amount.
Job of a DSA :
The job of a DSA is not just providing a potential customer. There are some other works also done by DSA and the list are :
-
- Sourcing loan application
- Gather or collect all the documents from the applicant
- Check the originality of the documents submitted by the applicant
- At last, submitting all the documents to the concerned bank.
Income Tax Filling
What is Income Tax ?
Income Tax is a type of tax imposed by the central government on the income earned by the individual or business during a financial year. Taxes are the main source for the government. Government use this source for developing infrastructure, agriculture, education, healthcare and other welfare schemes.
The only motive to collect tax from the people of India is to develop welfare for the people only.
Types of taxes :
There are two types of taxes in India :
- Direct tax : Tax imposed directly on the income earned is called direct tax.
- Indirect tax : Tax imposed on the product. The tax is added to the product which consumers buy.
Types of Taxpayers :
Taxpayers are classified into 3 categories :
- Individuals
- Firms
- Company
TDS on Sale Property
According to the TDS on Sale of Property, @1% should be minus if the property value is more than 50 lakhs. It is valid for the resident of India only. For non-resident in India (NRI), TDS will change. Buyer of the property should be responsible to deduct the TDS on sale of property.
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