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Buy LED TV On No Cost EMI With Bajaj Finserv EMI Network Card, This Dussehra

Choose from the above TVs or look for your choice of LED TV on the Bajaj Finserv EMI Network.

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Bajaj Finserv has pre-approved offers on personal loans, home loans, and other financial services

A bigger LED TV brings the entire family together, offering you a cinematic experience right in the comfort of your home. With a wider screen everyone in your family can enjoy superlative entertainment the way it’s meant to be viewed. However, if you’re hesitating to make a purchase this Dussehra to safeguard your festive season shopping budget, here’s some good news. Instead of saving to buy a television you can make use of special Dussehra offers and purchase your TV conveniently on EMI.

One the Bajaj Finserv EMI Network, you can shop for your choice of LED TV on No Cost EMIs. This means you will not need to pay anything above the purchase price when you start making repayments. Additionally, you can gain from exciting discounts and special offers that make your shopping even more inexpensive. Choose your preferred seller from over 60,000 partner stores in over 1,300 cities in India, and shop online or offline as per your convenience. All you need to do is use your EMI Network Card to pay. If you do not have one, you can avail in-store financing instantly, and pay by showing the SMS containing your pre-approved offer. You can also enter EMI Network Card details online and pay for your TV in easy instalments starting at just Rs.999 over a tenor ranging from 3 to 24 months as per your convenience.

Now that you know where to shop, take a look at the LED TVs you can choose from:

Sony 32-inch Bravia KLV-32R202F HD Ready LED TV

The Sony Bravia KLV-32R202F has a screen size of 32 inches giving you a comfortable viewing experience without taking up too much space in your home. It also has an HD Ready, 1366×768 pixel display resolution that brings every detail to life. This Sony TV also offers a clear resolution enhancer that converts low resolution images into full HD resolution while cutting out any additional noise. With a refresh rate of 50Hz, you need not worry about glitches that interfere with your entertainment. Also, with X-Protection PRO, your TV is protected from power fluctuations or short-circuits caused by moisture as well as any damage due to dust. You can enjoy clear and natural audio output owing to ClearPhase technology and you can also connect your Android phone to the TV and view your phone’s contents on a larger screen. Its connectivity is further amplified owing to a USB port and 2 HDMI ports.

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Sony 32-inch Bravia KLV-32R202F HD Ready LED Television

LG 43-inch 43LJ554T full HD LED Smart TV

With a display of 43 inches, this TV is ideal if you want an immersive entertainment experience in a large living room. Its full HD display resolution of 1920×1080 pixels adds to the quality of the video output, as does a refresh rate of 50Hz. Besides, this TV has all the features associated with a smart TV. With LG’s Virtual Surround, you can experience superlative audio output that has a surround-sound feel to it. In addition, the Color Master Engine enriches colours giving you detailed and vivid images. Furthermore, you can use the Magic Mobile Connection to stream movies or videos stored on your phone on to the big screen of your TV. Its connectivity features also include 2 HDMI ports and 1 USB port.

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LG 43-inch 43LJ554T full HD LED Smart Television

Samsung 32-inch M Series 32M4300 HD Ready LED Smart TV

This Samsung 32-inch TV has an HD Ready screen with a 1366×768 pixel display resolution and a superior refresh rate of 60Hz. You can enjoy excellent image quality courtesy of the Ultra Clean View and PurColor that ensures that the images feature colours that are true to life and as realistic as possible. Additionally, with Micro Dimming Pro technology you can enjoy deeper and richer blacks and whites on your screen no matter what content you view. This Samsung model is also a smart TV which means that it allows you to search for your favourite TV shows or movies and watch them on demand. You can also surf the internet, use Samsung Apps and even chat with your friends. The Samsung 32-inch M Series 32M4300 also has 2 HDMI ports and 1 USB port to give you adequate connectivity.

SANYO 49-inch XT-49S8100FS full HD IPS Smart LED TV
This Sanyo TV has a full HD screen with a display resolution of 1920×1080 pixels and a refresh rate of 60Hz. Although it comes equipped with excellent Dolby Digital HD quality surround sound, you can enhance your cinematic sound experience with its HDMI sound feature. This allows you to connect to an external home theatre system. With its reduced motion-blur you can enjoy a better picture quality and sharper images even when watching high-action content such as sports. With 3 HDMI ports and 2 USB ports you have all the connectivity you need to attach multiple devices to your TV and stream content on to it. You can also connect phone to your TV through wireless mirroring or connect your TV to Wi-Fi and expand your world of entertainment.

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SANYO 49-inch XT-49S8100FS full HD IPS Smart LED Television

So, choose from the above TVs or look for your choice of LED TV on the Bajaj Finserv EMI Network. You can also expedite the process of raising finance to ensure you don’t miss out on Dussehra offers by checking your pre-approved offer before you shop. Bajaj Finserv has pre-approved offers on personal loans, home loans, and other financial services, and you can check yours in under a minute by entering basic details online. 

About the author:

Aisha is a passionate blogger. He has expertise in writing finance articles. He have been serving society as a financial adviser. He loves keeping himself up-to-date with the news and happenings around. He is always open to learning and shares his experiences on his Greetings of the Day.

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EMIs, Tenors and Interest Rates: Everything You Need to Know About Personal Loans

Personal Loans happen to be the most popular financing options these days

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Here's how you can apply for a personal loan and get the money you need with relative ease.

Personal loans are one of the most popular financing solutions available today. What makes a personal loan so attractive is that it is a collateral-free option – you don’t have to pledge any security to avail of the money.

You can apply for a personal loan and get the money you need with relative ease. Moreover, lenders offer small- and big-ticket personal loans coupled with flexible tenors, allowing you to draw funds for your needs and repay your dues comfortably through EMIs.

Nonetheless, taking a personal loan comes with the responsibility of paying it back and this means understanding what factors into the cost of borrowing. You must also know about the application procedure and whether the approval time matches your funding requirements.

For a breakdown on these key elements including the application process, EMI, tenor, and interest rate, read our handy guide on everything you need to know about personal loans:

Application process

Applications for a personal loan can be made online – on the lender’s website or offline – at your lender’s branch. The online mode may be a preferred option as you avoid physical contact and enjoy faster and more convenient processes.

For instance, here is the procedure to get a Bajaj Finserv Personal Loan.

  • Apply online and fill up your personal, financial and employment information
  • Select the loan amount (principal) and tenor (repayment duration) to get instant approval
  • Submit the documents to a representative who will reach out to you
  • Get the funds transferred to your bank in 24 hours or less

Bajaj Finserv also offers you an online eligibility calculator for personal loans, to help you apply for funding as per what your current debt-to-income ratio permits. Using it, you can get a glimpse of the personal loan amount you are eligible for instantly.

Personal loan
Any resident Indian between 23 and 55 years of age can get a personal loan from Bajaj Finserv. Pixabay

Documents required and eligibility criteria

In most cases, you need to be employed at a reputed public or private organisation, meet the minimum monthly income criteria, and have a good CIBIL score, ideally 750 or above, to get a personal loan. Any resident Indian between 23 and 55 years of age can get a personal loan from Bajaj Finserv.

To prove your eligibility, here are the documents you must typically submit:

  • KYC documents
  • Employee ID card
  • Salary slips of last 2 months
  • Bank account statements of the last 3 months

Interest rate, tenor, and EMI

When you borrow a sum of money (principal), you commit to paying it back over many months (tenor) at a rate of interest. Your dues are spaced out over the length of the tenor equally, and you pay a monthly amount called an Equated Monthly Instalment (EMI).

To see how the principal, tenor and interest rate affect your EMI, use a personal loan calculator. This tool will greatly help you plan for repayment. To make a prudent decision, it is good to note some rules of thumb.

Firstly, your EMI is always proportional to the principal and interest rate. If either of these go up/down, your EMI will change likewise. However, while your EMI reduces as the tenor increases, your net interest payments increase side by side. Hence, it is apt to pick the shortest tenor possible.

Part-prepayments and other charges

While evaluating the cost of borrowing, consider the effect of part-prepayments. When you make one, you pay off a portion of the principal early and this reduces your remaining EMIs. The amount saved is substantial when you are in the early phases of repayment, as here the interest component of EMIs is more.

However, lenders charge you a fee for this facility. While calculating whether a pre-payment can help you save big, make sure you pay attention to this charge. In addition, it is well worth inspecting the other fees and charges associated with your personal loan, as these affect the total cost of the loan. These include processing fees, secure fees, bounce charges, penal interest, and statement charges. Knowing every charge upfront is key to enjoying a default-free repayment journey. Bajaj Finserv promises cost-effective fees and charges and no hidden costs to make your borrowing experience hassle-free.

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Bajaj Finserv promises cost-effective fees and charges. (Representational Image). Pixabay

Also Read: McDonald’s Reveals Plan to Open More Drive-Thru Restaurants in UK

Now that you know the various elements of a personal loan, make an informed choice by evaluating your need for finance and reading the fine print. Choose a lender that offers fast disbursal, has simple eligibility criteria that you can easily meet, charges a competitive interest rate on personal loan, is transparent about all related charges, and helps you apply and receive the loan 100% online. It’s also important to know of personal loan variants that may help you meet your needs better while making repayment more affordable during a cash crunch.

Once such example is the Flexi Hybrid Personal Loan offered by Bajaj Finserv, which allows you more flexibility by extending credit, from which you can withdraw funds based on your needs, and pay interest only on the amount utilised. By choosing the interest-only EMI facility, you can pay EMIs that are up to 50%* lower for the initial part of the tenor.

With such benefits at your fingertips, get started with a Bajaj Finserv Personal Loan to tackle your financial requirements. Simply check your pre-approved offer for instant approval through a personalized deal!

[Disclaimer: The pictures used in the article are supplied by the author, NewsGram has no intention of infringing copyrights. ]
 
[Disclaimer: The article published above promotes links of commercial interests.]

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YouTube Plans Further Ad Push as TV Viewership Surges

YouTube pushes ads as TV screen viewing surges

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YouTube plans Ad push due to surge in TV viewership. Pixabay

There’s been an 800 per cent (year-on-year) increase globally in the number of people watching ad-supported and purchased movies on the Google-owned YouTube , with 125 per cent jump in TV shows and 250 per cent growth in live content.

While overall watch time has jumped 80 per cent (YoY) in social distancing times, YouTube is seeing different user behaviour when people engage with YouTube on the TV screen, the company said in a statement.

“It is often enjoyed with others, unlike the more individual experience on the mobile device. In a recent custom Nielsen study commissioned by Google, we found that 26 per cent of the time, multiple 18+ viewers are watching YouTube together on the TV screen, compared to 22 percent on linear TV,” said Debbie Weinstein, Vice President, Global Video and YouTube Solutions.

Buyoed by the growing usage, YouTube on Thursday announced number of tools – including Brand Lift measurement on the TV screen and more flexible formats for content casted onto the TV screen – to help advertisers navigate this rapidly changing environment.

 

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YouTube pushes Ads owing to increased viewership. Pixabay

“As people spend more time at home, we’re seeing major shifts in streaming viewership. A recent Comscore report highlighted that over 70 million US households are now streaming content on their connected TV screens,” Weinstein added.

People are also gravitating to the consistently new and fresh content YouTube creators put out every day.

In fact, over 60 per cent of signed-in viewers of YouTube on TV screens watched a video published in the last 7 days.

YouTube said it is accelerating the launch of Brand Lift for YouTube on TV screens.

For viewers, this means surveys are now optimized for the big screen and interactivity with a TV remote, so people can easily respond or skip the survey.

YouTube
YouTube to push Ads. Pixabay

“This will enable marketers to make informed decisions about ad performance, and better optimize streaming campaigns in real time whether they are using Google Ads or Display & Video 360 for both reservation and auction campaigns,” said YouTube.

Brand Lift that will help make budgets go further will be available in the coming weeks for the YouTube app, and in early Q3 for YouTube TV.

“As viewers spend more time watching YouTube on the TV screen, we are continuing to evolve to help advertisers better reach their customers where they are,” said the company.

Late last year, it launched the YouTube Masthead on TV screens to help advertisers drive awareness with a large audience in a single moment.

“This year, we’re also bringing more format flexibility to streaming by introducing the popular skippable ad format for content that is casted onto the TV screen,” the company said.

Also Read: Gift Yourself a Day of Detox Session This Mother’s Day

As casting watch time soared by over 75 per cent year over year, this provides advertisers a new way to reach their audience as they embrace the evolving ways consumers are watching their favourite content, YouTube added. (IANS)

 

 

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Here’s How Excessive Screen Time Can Affect Your Health

Can excessive screen time cause skin ageing? Find it out here

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Screen time
More time is being spent on smartphones, tablets or computer screens and less and less time spent playing outside, reading a book, or socializing with peers. Pixabay

BY PUJA GUPTA

Screens are everywhere in this day and age. Digital devices have become less of a pastime and more of a troubling habit. Exposure to adequate levels of natural light during the day has been reduced and there is over exposure to relatively high levels of artificial light at night. More time is being spent on smartphones, tablets or computer screens and less and less time spent playing outside, reading a book, or socializing with peers.

Sitting at a computer all day and peering into the phones at night, the screen time exposure is much more than the previous generations. This has led to a growing concern over the safety of these light sources as we don’t yet know even half the damage that all of this may, or may not, be doing to our body.

Excessive screen time has been linked to insomnia, mood disturbances and eye damage previously, and now a new aspect of its relation with skin ageing is under research. Dr Richa Nagpal, Consultant, Dermatology, Fortis Hospital, Noida explains this in detail.

Screen time
Sitting at a computer all day and peering into the phones at night, the screen time exposure is much more than the previous generations. Pixabay

All the digital screens are known to emit high energy visible light also called as ‘The Blue light’. As the name suggests, it lies in the spectrum of visible light and has a short wavelength (450-490 nm) and higher amount of energy. Sunlight is the major source of blue light outdoors and the LEDs, fluorescent lights and digital screens (found on TVs, smartphones, computers, laptops, tablets and gaming systems) form the main indoor sources.

Although, the amount of high energy visible light these devices emit is only a fraction of that emitted by the sun, but the amount of time people spend using these devices and the proximity of these screens is a cause of concern.

Excessive screen time has been linked to insomnia, mood disturbances and eye damage previously, and now a new aspect of its relation with skin ageing is under research. Natural skin ageing is a gradual process that occurs over a period of years. The production of reactive oxygen species increases with age and the ability of human skin cells to repair DNA damage steadily decreases with ageing.

The primary concern with exposure to blue light is that it generates free radicals, which plays an important part in skin ageing. Since it has high energy it can penetrate deep into the collagen and elastin causing further skin damage.

Screen time
Excessive screen time has been linked to insomnia, mood disturbances and eye damage. Pixabay

Excessive screen time also disrupts the circadian rhythm, which is necessary for a sound sleep and the cellular repair which is greatest at night. So, on top of accelerating the production of free radicals, the regeneration process of skin is also compromised. Theoretically, an increased risk of pigmentary disorders such as hyperpigmentation is there with chronic use of smartphones and other electronic devices.

Also Read- 5 Bollywood Movies You Should Watch With Your Friends

A lot of research is being done into the effects of visible light on skin and as of now the likelihood that blue light leads to premature ageing of the skin is very remote and its role in hyperpigmentation remains speculative. However, keeping in mind the probable health concerns associated with the blue light, the screen time should be minimised. It is a good idea to shut off all the digital devices a couple of hours before bed.

Further exposure can be reduced by either adjusting the level of blue light on the screens or use of specialised screen that filters blue light. (IANS)