Author: seema gupta

Traditionally, employees found it difficult to check their PF claim status as there was no way to do it except visiting the local EPF office. However, now you do not need to visit the EPFO office or depend on your employer for knowing your PF claim status. 

Let us see how you can check your PF claim status using your mobile phone:

Umang App 

The Government of India has launched multi-functional mobile apps like the Umang app that enables you to fetch all the details regarding your PF account on the go. You can access your PF account passbook, raise a PF claim, and also track your PF claim status using this app. This app is available for both Android and iPhone users. 

Missed call

Now you can send a missed call on 011-22901406 from your registered mobile number to know your PF claim status. The call with get automatically disconnected after a few rings, and you will receive the PF claim status update as an SMS on your phone. However, for that, your UAN number should be linked with your PAN, AADHAAR number, and bank account number. This service is toll-free, and you can use both regular phones and smartphones to check your PF claim status.


Employees who have activated their UAN can also check their PF claim status by sending an SMS on 7738299899 from their registered mobile number. They need to type EPFOHO UAN and send it on the aforementioned number.

The SMS facility can be availed in ten languages and if users want to access their PF details in any other language apart from English, they need to also include the first three characters of the language after the UAN. For example, users who want to check their PF claim status in the Hindi language will send SMS as ‘EPFOHO UAN HIN’ on 7738299899.

How can you multiply your PF corpus?

If you decide to withdraw your PF amount after leaving your job or upon retirement, it makes sense to look for investment options that can help you grow your PF corpus. EPF is a debt-focussed investment, and hence, it fails to provide good returns when the inflation levels in the market are very high. The Government decides interest rate for EPF depending upon the liquidity in the system. The interest rate changes every quarter.

However, there is a better investment alternative like Company FD, which offers better returns than EPF and most other fixed-income investments. Here, the interest rate doesn’t change every quarter since these deposits are not directly linked to RBI interest rate movements.

Moreover, some company FDs like Bajaj Finance FD provide interest rates up to 8.9%, which is much higher than the current EPF interest rate. Let us see how you can benefit from investing in Bajaj Finance FD:

  • High returns- As shown in the table below, you can earn up to 54% ROI (Return On Investment) with Bajaj Finance FD. It is difficult to earn similar returns with other investments in this category.
Investor Type Interest rate Amount Tenor Interest ROI
New customer 8.6% Rs. 25,000 5 years Rs. 12,765 51%
Senior citizens 8.95% Rs. 25,000 5 years Rs. 13,377 54%
Existing customers 8.85% Rs. 25,000 5 years Rs. 13,202 53%
  • FD calculator – You can use the Online FD calculator to predict your returns in advance. This FD calculator lets you calculate the final amount at maturity on the basis of tenor and type of FD you are choosing. Therefore, you get a precise estimate of your earnings, which you can use to plan your future expenses.
  • Safety – Bajaj Finance FD is accredited for its safety and stability by renowned credit rating organizations like CRISIL and ICRA. Therefore, your investments are completely safe. Your invested capital remains unaffected by the market fluctuations and changing economic conditions. 

Company FDs are an ideal investment option to diversify your investment portfolio and mitigate the risks of other high-risk investments in your portfolio. You can invest in an FD with short tenor to beat inflation and earn high returns in the short-term

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Many credit cards come with a specific purpose. Some are top credit cards are used to pay for airline tickets, some credit cards are used for shopping at your preferred department store, although others are perfect for paying the bill of food at a restaurant.

Here is a list of some of the best credit cards in India. We have classified some of the best use of credit cards on a daily basis for different purposes.

1. Standard Chartered Platinum Rewards Card

According to Indiashoppers, this is one of the best credit cards for salaried persons (Government or private). This credit card has no yearly charges or joining fees.

Major Benefits of Standard Chartered Platinum Rewards Card

  • If your transaction is done within 60 days, so, you will get up to 1000 rewards points.
  • You will receive 5x rewards point on outlaying Rs 150 on petroleum and dining.
  • You will obtain 1x rewards points if the expense is done on the whole lists.
  • Get 20% cashback on Uber rides and enjoy it.
  • When you sign-up for online banking that offers you an additional 500 rewards points.
  • Plenty of discounts also cater to shopping, dining, travel and lots more.

2. Axis Bank Insta Credit Card

You can get a lot of benefits for this credit card although if you have a bad credit rating, thus you must have is a fixed deposit with the bank. However, it is very easy to obtain a credit card with the help of this scheme.

Major Benefits of Axis Bank Insta Credit Card

  • You can receive a reward point of 100 via your online transaction
  • You can obtain up to 2.5% discounts for petrol related dealings if the price range is available from Rs. 400 – Rs. 4000
  • Comes with a joining charge of Rs. 500, and receive up to Rs. 5000 when it will be used within 45 days
  • When you’re some amounts of reward points have been reached to a certain level the customers will get gifts.

3. Citibank Cashback Credit Card

This credit card offers hefty discounts to the consumer by providing cashback and money off on all transactions. It is quite convenient for salaried people and it can save enough money for the consumer.

Major Benefits of Citibank Cashback Credit Card

  • Earn money up to 2000 without using a pin number.
  • This credit card comes with a cashback of 5% on services such as telephone bill, electricity bill, movie tickets, and more.
  • You can use these cashback points to cut your total burden every month

4. Standard Chartered Manhattan Credit Card

This credit card comes with a yearly pay of Rs 999 with all special and remarkable offers for everyday shopping. The users will get the exclusive point of this credit card is that it offers up to 5% cashback on the expenditures on groceries. It is suitable for salaried individuals whose overhead is from 1 Lakh to 2 Lakh each year.

Major Benefits of Standard Chartered Manhattan Credit Card

  • You can receive up to 5% cashback on the expenses spend on supermarkets and departmental stores (get up to Rs 500 every month).
  • Obtain 3x rewards points on every expense is done
  • Attractive discounts and all special offers are offered on various lifestyle stores and hotels.
  • Get up to 20% cashback on Uber rides.

5. SBI Simply Click Credit Card

This credit card is well-suited for people salaried persons and the people who love shopping every day can use this credit card. The yearly charge for this credit card comes with Rs 499, this is allowed when you spend more than Rs 1, 00,000.

Major Benefits of SBI Simply Click Credit Card

  • During joining, you will get Rs 500 Amazon gift card is free of cost.
  • Get an online transaction with Amazon, Cleartrip, Foodpanda, Lenskart, Bookmyshow, UrbanClap, you can receive rewards points of 10X.
  • You can obtain 5X rewards points on every online shopping.
  • When you spend almost Rs 1 lakhs per annum that brings you an e-voucher of Cleartrip for Rs 2000.
  • You can get Rs 500 to Rs 3000 on all fuel transactions with, 1% fuel surcharge.

6. Citibank Cashback Credit Card

This credit card comes with exclusive offers and discounts. A yearly charge of Rs 500 is given if you apply for Citibank Cashback Credit Card. Also, you can apply for Axis Bank Recruitment to make your career in the banking sector.

Major Benefits of Citibank Cashback Credit Card

  • You can get movie tickets of 5% cashback on buying movie tickets 
  • Get up to 5% cashback on paying telephone bill payments
  • Obtain up to 5% cashback on utility bill payments which are made online via Citibank Online Bill Pay
  • Get Cash Back offers on all expenditures.
  • Obtain special offers and attractive discounts on dining and shopping

These are all best credit cards for daily shopping.

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Have you ever let go of a fantastic mobile phone offer due to lack of funds and not being able to pay for its price in one go? If you have such a situation, then you are not the only one. 

Many people let go of their wishes, such as buying mobile phones when they require it the most. But, after having said that, you don’t need to curb your wishes due to the shortage of funds as you can avail of the 0 EMI mobile facilities.

If you wish to know more about the 0 EMI mobile features, then you can go through this post to explore more. Read on! 

What are the 0 EMI mobile facilities?

As the name suggests, you can buy a range of Vivo smartphones, Redmi smartphones and Oppo smartphones and more on No Cost EMI. 

It means that you can spread the overall cost of a mobile phone over a suitable tenor and pay only fixed EMIs and nothing more. The interest amount that you otherwise pay is waived off when you avail of the 0 EMI mobile features. This way, you can save more compared to other payment modes in India. 

In India, the Bajaj Finserv EMI Network is the leader in offering the No Cost EMI facility only on smartphones, but fridges, washing machines and 4 million+ products. 

How do the 0 EMI mobile features work?

Let’s say the cost of a Redmi smartphone that you want to buy on 0 EMI over a tenor of 6 months is Rs.18,000. Hence, you will need to pay only Rs.3,000 per month as the No Cost EMI for the next 6 months and nothing extra. You don’t need to pay interest and any other charges other than the EMI amount, which also means saving of your money

You can avail of the No Cost EMI facility on mobile phones and other products only across the Bajaj Finserv EMI Network in India.  

What is the Bajaj Finserv EMI Network?

The Bajaj Finserv EMI Network is the payment network that helps you enjoy a pre-approved consumer durable loan on smartphones, household products and more. 

Based on your financial and employment profile along with your creditworthiness, you can get up to Rs.4 lakh. You can use the loan amount for buying Redmi mobiles and other products on No Cost EMI and pay over a tenor ranging 3 and 24 months.

If you have the Bajaj Finserv EMI Network Card, then you can use it at a store in India and walk away with your favourite mobile phone on affordable EMIs. 

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card is a network card that works like a pre-approved consumer durable loan and assists you in buying a phone and more on easy EMIs. The Bajaj Finserv EMI Network Card is accepted at more than 60,000+ local stores in 1300+ cities. You can shop for more than 1 million products using it and pay only in affordable instalments. 

How to shop for the latest mobile phone on the Bajaj Finserv EMI Network?

You can follow easy steps to help you buy a mobile phone and much more on easy EMIs across the Bajaj Finserv EMI Network in India. Have a look. 

  1. Walk into any of the 60,000+ local outlets in 1300+ cities across the Bajaj Finserv EMI Network in India and select a product of your choice. 
  2. Now, swipe the Bajaj Finserv EMI Network Card after you have selected all desired products. 
  3. Walk away with your favourite Vivo smartphones and more items on affordable EMIs. 

What to do if you don’t have the Bajaj Finserv EMI Network Card?

You can still shop on EMIs even if you don’t have the Bajaj Finserv EMI Network Card. All that you have to do is submit a cancelled cheque along with your KYC documents at a nearby store registered on the Bajaj Finserv EMI Network. 

This way, you can get in-store financing and enjoy shopping on EMIs even without having the Bajaj Finserv EMI Network Card. 

What are you waiting for? Buy an Oppo smartphone and other desirable products without letting it hamper your monthly outlays by using only 0 EMI mobile features. 

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