Wednesday, December 11, 2013

What Are The Pros And Cons Of Net Banking - Things To Know?

Net Banking is widely used by the people around the globe. It means transfer of funds from one account to another through electronic means. Most of the people get confused with the two terms online and internet and they think that these two terms are different but the fact is this that you cannot go online without the internet so online banking and internet both are same.

This is a safe and secure way to transfer your funds within a couple of minutes. You can prevail this facility 24/7/365 days.

Everything has its positive and negative aspects and you just need to consider those things which are as follows:

  • It is very convenient. You don’t have to step out of your door to transfer your money but you just need to be online and your transaction is just only a click away.
  • You can choose one site which you feel is safe and with that site you can maintain all your accounts.
  • It is open 24/7 a day.
  • You get alerts periodically about your accounts details if you are using net banking.
  • This facility saves time and is equally quicker as ATM’s.
  • Healthy and sound relationships with institutions are lacking. As before customers go directly to the institution for any queries and those institutions also used to answer their queries with many solutions and alternatives to their problems. And your needs are also sported by the employees of the bank. But presently because of the online banking it has become tough to maintain sound relations.
  • No doubt that the accounts of the institutions are well secured by FDIC, but instead of your protected account your system could be hacked by any unwanted malware activities. As no system is fully protected.
  • Without internet your transactions will fail.
  • Registering online may take time.
  • The sites of the banks are upgraded time to time and maybe in some cases you will be needed to re-enter your account information. 
Therefore as every coin has two sides of it similarly net banking also has merits and demerits which cannot be ignored.

Steps Included In Opening A New Bank Account - Online And Offline

Opening a bank account is not an easy task to do. You need to calculate many things before opening it. There are various financial institutions with their competitive rates which will attract you for but still you need to be wise at the time of choosing a bank.

You can open your account through online and offline mode.

Steps to be followed:

  • Firstly, you need to register yourself by filling all the details online.
  • Then you will be asked to give information such as which type of account you wish to open.
  • Then you need to fill the required information section which is further divided into two parts i.e. part A and part B (Part A consists of Type of account which you intent to open and part B consists of Nomination form)
  • Then you will have to fill frequently asked questions on the form.
  • Fill the customer information and after completing the details go for additional asked details and mention them appropriately.
  • Then take a print out of the application form that you have filled online and attach application form print out with all the documents (photographs, id proof) and signatures on it. 
  • The foremost step you need to follow is deciding an institution.
  • Move towards the decided institution and there meet the bank officer.
  • Fill the required information with all the asked details.
  • Institution always asks for the reference or any holder of that bank account for the identification so that interest will be secured from any risk.
  • Submit the form with 2 colored photographs and identity and address proof.
  • Then deposit the initial amount and after depositing it institution will issue you pass book, cheque book and a pay in slip book according to your bank account.
In order to avail the facilities of the banking sector you should have an account in any of the financial institution. And don’t forget to read about the banks very carefully because every institution has their own policies to be followed.

Major Variations In National And International Banks - Points Of Discussion

National banks are local banks which are within the boundaries of the country and International banks are foreign banks which are outside the boundaries or across the globe or have banks in two or more countries. The banking sector has changed a lot in many ways.

The major variations in National and International banks are:

National Banks
  • These financial institutions are owned by the state, government and people.
  • These banks have grown very effectively and efficiently with amazing improvement.
  • The quality of assets is better.
  • If you peep into the past you can clearly see that there were no ATM’s facilities provided by Indian financial institutions but with the advancement today you can avail this facility at any time and from anywhere.
  • The working levels have also improved as before five years there were only 20 branches. 
International Banks
  • The head quarters of these banks are situated in different countries.
  • The new change has implemented by the RBI (Reserve Bank of India) that now international banks can buy private banks.
  • It includes high costs when managing cross currency exposure for the future expansion and there will be constant change in hedging the cost.
  • The withdrawals and deposits are limited to $50,000 per month and they can exceed the limit only four times annually and after this banks will be automatically upgraded for the next level account.
  • The limitation for 50000 is imposed over small banks and the wire transfer of funds is also banned for these institutions.
  • To give better chances to agents working in banking sectors the policies and terms are being modified on such a level that agents could earn more benefits through different schemes.

The fact is that financial stability cannot be assured without the proper understanding of the banking sectors. The variations are done so that more revenue will generate. Therefore from the last few years the banks are performing very complicated functions. Most of the banks keeps risk on their balance sheet and do not save capital and these variations will help in controlling the capital. 

Important Difference In Bank Accounts - Different Forms Of Accounts In Banking

Banks are the financial Institutions. Bank accounts serve between the customers and the associations. There are many types of accounts such as Saving, Current, Recurring and fixed.

Saving Account

The account holder can deposit money and withdraw it in every month but he cannot access his money with checks, and the withdrawals made by him are limited to the numbers. There is no minimum balance is required to maintain saving account. Low interest rate is paid by the institution.

Fixed Account

In this the deposits are made for the long duration and the terms defined by the institutions, these deposits are fixed, by the time it get matured and if during an emergency you need to break the fixed term deposits then you have to pay some penalty on that about 1% of the deposit money and some of the institutions don’t even charge the penalties. Every bank has their different interest rates policies. Financial institutions have also introduced variable interest rate deposits i.e. as the market rates goes up the interest rate will also rise and vice versa.

Current Account

This is mainly for the businessman whose purpose is to make numerous transactions on daily basis. It does not provide any interests on current account but charges for services provided by them. This is for day to day transactions.

Recurring Account

It is for the people who have regular income. It is a kind of fixed deposit account as you have to make monthly installments and the minimum amount is 500, if amount is taken before the maturity period than no interest is paid.

Therefore the rate of interest varies from one institution to another. Earlier only the private institutions provides high rate of interests but today the competition is increasing rapidly so many other small banks are stepping ahead to provide higher interests  rates and to attract more and more people.

A bank account is where a financial institution provides you an umbrella so that when it begins to rain you can cover yourself.

How Can I Wire My Money Globally - Simple Steps For Money Transaction

Today you don’t have to wait for many days for wire your money globally. Though money online is fast and easy. And in order to have secured transactions online banks have introduced IFSC codes too. And it is mandatory to know the IFSC code of the account holder than only the online transactions will be done.

There are two options to wire your funds globally i.e.
  • Bank to Bank
  • Retail outlets (Cash offices)
Before transferring your funds through mode you need to verify how much fund you have in your account.
The following are the simple steps to be followed while transferring money globally:

Bank to Bank
  • Firstly, get you registered and if you already have a profile then you need to login your profile.
  • Choose the currency of money.
  • Enter the mail address of the recipients.
  • There is a column given for additional information, try to fill the column with the purpose of sending funds or any other related information.
  • After press enter on the send option, within a minute the notification will be sent to the recipients for confirmation.
Retail Outlets
  • Again for this you must check your funds available in the account.
  • You can directly approach the office or make call or can visit their official website to avail the service.
  • Then you need to give all the required information or details related to the recipients. And then you will be given a code by the company, that code you will have to give to the recipient, after presenting the code along with an ID proof to the company he will receive the payment along.
Sending money online is the secure payment system. In three days your money will be transferred and if the bank branch is same than within 24 hours the transaction will takes place.

This is the global solution and you can transfer your funds to anyone around the globe. This service is provided 24/7/365 days.   

The transaction charges vary from bank to bank and fees charged depends in which country you are transferring funds.

Spice Mobile Service Centre List Of All Centers Toll Free Number In India

Spice Mobile telecom is one of the leading telecom companies of India. The parental branch of this company is situated in Noida.  Users, who are facing any problem can dial help line number and can state complaint through toll free numberSpice service support centers are spread all over India to support its customers through various medium like email and contact number. List of the service support center are available on this web page.

Spice telecom is private sector mobile manufacturing company that offers the mobile to its client at the affordable cost. The business of spice is distributing across India, Nepal, Bangladesh, Uganda, Tanzania, Zimbabwe and Sri Lanka.

Services for Customer Care
  • Email Id
  • Service Center Address
The National Number
  • 1860 -300- 77423
Customer Care Number
  • (120) 4363600
  • 4363800

State Wise Service Center List

If you face the any trouble and want to contact to the service support team then you can use the below given number:

Andhra Pradesh
Sarvani Towers, A-Block, 1st Floor, Narvodaya Colony,
Grand Chandra, Fraser Road
Sco 170, 1st Floor, Sector 38-D
M/S Deprosys Technologies, #225, First Floor Foutain Plaza, Pantheon Road Egmore
M/S Young Vogues Cellular Care Centre G1, Maheshwari Chambers, Punjagutta, Beside Medinova Hospital, 
M/S Aim Telecom Service Office No-2, 1st Floor,H-11, South Ext Part-1 
M/S Mobile Seva B125, 6th C Main, 4th Block Jayanagar 
M/S Billenium Sales & Service (P) Ltd, 6, Chowringhee Lane,
M/S Taipan Electronics Shop No 17, Shree Ravechi Apts, Plot No 14/15, Sector 20, Koparkhairane
Shop No.-4693, Hospital Bazar, Bathinda 151005
100a/3, South Veli Street,  Madurai – 625001
44, A-2, South Block, Bahu Plaza,  Railhead Complex, Gandhi Nagar,
Sco-3-4,  First Floor, Sanjiv Hospital Market, Railway Road, Karnal – 132001
First Floor, 77, Hall Bazar, Amritsar 143001
Prime Marketing Private Limited, 244, Frontier Colony, Nr. Pnb Bank,  Adarsh Nagar,
Adarsh Communications Pvt. Ltd., 43, Nagarjuna Hills, Panjagutta
Saradhi Agencies, D. No. 20-3-21, Shop No. 20, Vasavi Complex, Chowtra
Saraswati Cellphone Pvt. Ltd., 1st Floor, Above Sbi Atm, Opposite Kumar Market, Radium Road
Suchita Enterprses, Shop No.- 112, Ist Flr Beside Lic Office, Guru Bhasidas Plaza, Amanaka, Raipur
10th Cross West, Thillai Nagar

SMS Number

Type Service Support and Send it to 56300 to get the assistance through the SMS.

City Wise Email Id

Email Id

Fact Line About

Golden Peacock Award had been given to Spice for its excellent Product and customer service.

Nokia Mobile Customer Care Number New Toll Free Phone Number Service

Nokia Mobile Customer Care Number

Nokia offers New Toll Free Phone Number Service to its clients to provide the best support. Helpline number (Toll free) is the best way to provide the best customer service 24*7 hours to its clients. Every problem related to your Nokia mobiles products is being solved out from the customer support team.

Services for Nokia Mobile Customer Care Number
  • Contact Number
  • Head Office
  • SMS
  • Email ID

Nokia is most reputed and popular telecom products provider of India. Global headquarter of Nokia is situated in Finland. It produces different type of simple Phones, multimedia phones, Smart phones and Windows Phones, etc for GSM & CDMA Network.

The national number for Nokia Mobile Users


Nokia Mobile technical support number

+91 (STD Code) 30303838

Nokia Mobile Customer Care Number City–wise

More information related to any new product of Nokia such that product specification, price, etc. From consumer helpline number, you can find this information. Other services queries are also solve out from these Contacts.

Dear visitors, get the list of service center number of the metro cities.

Helpline Number
011- 3030 3838
022- 3030 3838
033- 3030 3838
044- 3030 3838
0172-3030 3838
0141-3030 3838
01272-3030 3838
0120-3030 3838

Nokia Mobile SMS service

You can also find the nearest service center by sending an SMS:

TYPE NCC<Space>CITY NAME to 55555

Service Support Email ID


Service Center Address

If you have physical problem with Nokia Handsets, then you can register your problem at Nokia service center. Hence we are describing a list of address of the Nokia’s service center.

SP Infocity, Industrial Plot no. 243 Udyog Vihar, Phase 1,Dundahera, Gurgaon, Haryana
New Delhi
Kailash Building, Flat no 1204, 12th Floor, Kasturba Gandhi Marg, New Delhi
2B, Mercury Block, Prestige Tech Park,  Sarjapur, Marathalli Ring Road,  Kadabeesanahalli, Varthur Hobli, Bengaluru, Karnataka
3F, Tower II, Millennium City, IT Park, Plot no 62, Block DN, Sector V,
Bidhan Nagar, Salt Lake, Kolkata, West Bangal
HDO Corporate Building Wing “A”, Western Express Highway Andheri (E), Mumbai,  Maharashtra
Nokia India Private Ltd., RMZ Millenia Business Park, Campus-5, 2nd Floor, No. 143, M.G.R. Road, North Veeranam Salai, Perungudi, Chennai, Tamil Nadu

Fact line about Nokia

Nokia has won the Red dot design award 2012. It is now being sold to Microsoft and all its patent will be handed over till mid of 2014.

Intex Mobile Service Center In India List, Contact Number & Address

Intex Mobile Service Center In India List

Intex Mobile is fast growing mobile manufacturing company and it was founded at New Delhi in 1996. The main aim of Intex is to provide the satisfaction to its user. In order to provide the customer satisfaction, it offers customer care Contact Number to its client so that customer can resolve their query anytime by talking to the service support agent. Still you query is unresolved then you can visit the nearest Service Center and share your problem with service provider agent and get the answer of your query.

Intex has a large network of service center to assist the reputed customer service to its users. It launches cheap and best mobile phones with many features.

The National Number
  • 1800 103 8822
Customer Care Line
  • 011-30888904
  • 011-30888911
  • 011-30888912

Contact Number

9219516400, 9219219210
9329031331, 9202207402

Address of Service Center

Ff/5, Shree Vijay Complex, Nr Vijay Cross Road, Navrangpura
S- 548a, School Block-Ii Shakarpur , Near Laxmi Nagar, Near Metro Station, Vikas Marg
G-11, Sriram Tower, 13 Ashok Marg, Hazratganj
Infront Of Ajmera Decoration, Gandhi Chowk, Amravatimah
Jawahar Chowk, K J Tower, 2nd Floor
Sco285, Sec-32 D
Near Aggrasen Chowk,
Mohan Nagar,
Kamal Apartment, Ground Floor, Opp Telephone Exchange, Sharanpur Road
Market Road, Mancherial, Pin 504208
88chcharan Singh Market,  New Mahavir Chowk
177,Somwar Peth, Opp Nageshwar Mandir
Raghunath Market, Court Road
Opposite Indian Overseas Bank Dhimanpura, Shamli,
Near Jhule Lal Mandir, Madhav Ganj
P-38, Princep Streetgrf1, Opporient Cinema,
Shop N-8, Bhavani Mktrathuatra
Thuda Office Rd
Baba Tarana Road, Near Nokia Care, Gandhi Chowk
Shop No 9, Isher Complex, Near Telephone Exchange

Email ID

General enquiry
Service query

Fact Line About

Intex won 'Best Buy Silver' award for in May, 2007.