Ketomac shampoo benefits in Hindi

Every shampoo is beneficial to people in some ways. All shampoos may not be beneficial to everyone because they have different properties and are meant for different type of hair. The silky shampoo that makes the hair silky may not be suitable for people who have oily hair. They are suitable for people with dry hair.

Ketomac shampoo- for fighting dandruff

Some people require shampoo that is used for fighting dandruff problems. Some people suffer from acute dandruff problem and hence they require a shampoo that is used for fighting against dandruff.  Usually people with oily skin suffer from dandruff problems. When the oil dries on the scalp, it leads to dandruff. This dandruff can cause many other problems. Due to dandruff microorganisms such as fungi, bacteria or yeast infest in the place. So, the person experiences extreme irritation on the scalp.

Problems of dandruff

So, by applying appropriate shampoo, people can fight dandruff problems. The problem of dandruff should be resolved as quickly as possible, because the person can develop severe problems later on. In India many people want to use ketomac shampoo to fight for dandruff. They frequently experience dandruff problems. But, they cannot read the instructions that are written in English. They can read the instructions in Hindi also because on the cover, the instructions are written down in Hindi also. They should carefully read the ketomac shampoo benefits in Hindi.

As the ketomac shampoo contains ketoconazole 2%, it weakens the cell membranes of the fungi and yeast. These fungi or yeast multiple due to production of ergosterol and hence pores are formed on the skin. Due to pores the unwanted substance enters through the hole. Hence by applying this shampoo, the unwanted substances stop entering. When the hair is rinsed, then the microorganisms eventually die. This shampoo should be applied for a period of time and hence the microorganisms eventually die and after completing the course, the scalp becomes clean.

Benefits of applying the shampoo

The ketomac shampoo also provides other benefits. It contains some special properties to provide a cooling effect. So, it controls flaking, itching and scaling on the scalp. It contains itraconazole, fluconazole and miconazole that restrict the growth of fungal cells on the walls. Hence fungus does not grow in the future. Due to dandruff a person experiences flaking, itching and scaling. So, the person feels calm after applying shampoo. The persons should read the kit of ketomac shampoo in Hindi.

To get the benefits, the person should apply the shampoo carefully. It should be applied on wet hair and it should be retained on the scalp for 5 to 10 minutes. It can be applied twice in a month or four times in a month. If a person is experiencing extreme irritation, then he/she can apply four times in a month or five to six days continuously. Otherwise, the people can apply it twice a month. But, the person should not leave the course incomplete. The person cannot fight from dandruff if he/she does not complete the course.

It should be applied carefully so that it does not touch the eyes or the mucous membrane of the eyes. It can be too irritable. After applying the shampoo, the scalp should be gently washed.

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7 Best Home Remedies for Pimple Scars

There are so many people consider scars as a mark of pride, while others want them to go away. You already know that the same can have an effect on your appearance. So if you are looking for a remedy to get rid of the same, you have to know some proper ways of it.

Blemishes from pimples are natural, but the ones you have got from some injury that are hard to remove. In most cases, the wound healing process leaves a blemish on your skin, and they might go away as you grow up or it can stay with you forever. Here is a list for your convenience.

•        Juice of onion

If you can tolerate a little sting, then onion extract is a great option for removing scars from your face or any part of your body. This is also a perfect solution for fighting acne, and it reduces soreness, redness and any kind of surface inflammation. If you can’t tolerate sting, then, you can always check out, no scars soap price.

•         Aloe Vera juice will work

This is a perfect way to get rid of blemishes from your skin. It will help in the removing of dark skin and rejuvenate it. You have to use it twice a day, then apply it in a circular motion on your face or any part of the body you have the patch. You have to leave it for at least 30 minutes, then wash it off.

•        Drink apple cider vinegar

This lactic and acetic acids in it are great in dissolving scars. You have to take two tablespoons of apple cider vinegar and mix it with distilled water, then apply on your scar. You have to leave it for the entire night, and you must repeat this procedure every night before you go to sleep. If you don’t want to drink apple cider vinegar, because you simply don’t like the taste, then you can check out no scars face soap reviews.

•         Coconut oil massage

Coconut oil is very effective in dissolving various scars on your body. It also consists of collagen that helps in the healing of wounds. You have to massage the oil on your skin for at least 10 minutes and then leave your skin to absorb the oil.

•        Lemon juice can be used

For this, You need to cut a slice of lemon and squeeze the juice of it on the place. You must keep it for at least 10 minutes and then rinse it with cold water.

•        Baking soda can help

Other than baking, you can use it for curing the scars you have. Mix two tablespoons of the same in distilled water, and make a paste from it. Then you have to use the paste on that place. You have to leave it for 15 minutes then rinse it with normal water.

• .      Juice of potato

You can use it for the reduction of scars on your body. You have to slice a potato in a medium thick round, and then rub the piece on your scar in a circular motion. After this, you have to keep it for 10 minutes and then rinse the place with cool water.

If you use any of these above-mentioned points then, you will certainly be able to get the perfect effect.

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Is A Travel Management Solution Worth The Investment?

For the purpose of business expansion or due to certain other reasons, travelling becomes more important and necessary for any business. In fact, some businesses operate at the international level. Hence there is a need for frequent travelling on the part of the representatives of the given business or the business owners. Of course, numbers of things need to be planned and arranged for hassle-free travelling by the representatives or owners of the given business. To offer an easy solution to all the problems related to planning and arranging hassle-free travel, help from corp travel management or similar other service providers may be sought. Surely, you have to invest some money in order to hire such service providers. However, the benefits attainable through such services make it a worthwhile investment in numbers of ways as discussed below.

Cut down on travelling costs considerably

It is perhaps one of the major and most important reasons that make hiring corp travel management or similar other business travel management solutions worth investment for the concerned business owners. You may greatly cut down on your travelling expenses by hiring such service providers. It is because the concerned service provider takes care of unnecessary costs and totally eliminates the same from your set budget for travelling. There are so many hidden costs involved with business travels that go unnoticed. Sometimes, unnecessary expenses are also added to the final bill. All such costs can be totally eliminated by hiring travel management solutions.

Plan cost-effective travels

Since travel management solutions service providers are well-versed with the travel industry, therefore, they plan highly cost-effective travel solutions for you. They may come up with such offers related to travelling that may let you save a significant amount of money. Also, they arrange the entire itinerary in such a way that you may strictly follow your budget limits.

Better negotiations

The skillful and expert professionals working with the travel management solution service providers such as corp travel management are efficient at negotiating prices with the concerned people in the travel industry. They know well about tactics and techniques that may help you get great discounts following impressive and effective bargaining and negotiations.

Well-planned and organised travelling

By hiring the travel management solutions service providers, you may look forward to well-planned and well-organised travelling. Chances of any problems are totally ruled out as such service providers keep you updated about the entire itinerary.

Constant updates for better travelling solutions

The travel management solutions keep an eye on the latest and most lucrative offers for travelling to various destinations. Hence they may come forward with better travelling solutions for you.

Travel management solutions are unquestionably worth the investment for any type of business.

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How to Avail Maximum Credit Card Benefits and Cashback?

Credit cards in India have become one of the most vital financial tools for people. Now, with a credit card, people can pay for all their expenses even without having balance in your savings bank account. What’s more, they can also pay the credit card bill after 40-50 days after making the transactions.

Credit card offers the benefits of paying in easy instalments in case of a big-ticket transaction also. As a result, it helps to manage your monthly expenses without issues.

Even though a credit card offers so many advantages, not many users know how to maximize its benefits. Here is a quick post to help you make the most of the credit card benefits. Read on! 

1. Sign up for bonuses

Applying and signing up for some types of credit cards can help you earn maximum reward points. It’s a competitive market today, and you may find many credit card companies with such offers. Hence, before you opt for credit cards in India, ensure to sign for a company offering the maximum bonus and reward points.

A lender such as the Bajaj Finserv comes with the Bajaj Finserv RBL Bank SuperCard to offer you 20,000 reward points as a welcome bonus on sign up. You can apply for such offers to redeem reward points for availing discounts and deals on future purchases. 

2. Categorize the spending

Some credit card companies may offer you some enhanced benefits while spending on your credit card during a particular month. They may provide you with more reward points if you spend in a certain month or go for movies. Such offers may reach you via email or text message in advance to make you aware. As a result, you can plan your purchases and help yourself earn maximum rewards on all such credit card offers. 

3. Shop online on your lender’s shopping portal

Nowadays, you may find many credit card issuing companies with their own online shopping portals. They can help you shop across multiple categories. When you shop for such portals, you may get more rewards than compared to shopping on regular websites. 

4. Use your credit card on a daily basis

You can also maximize your credit card benefits by using it for all your needs instead of using cash or debit cards. Yes, you may pocket more reward points and miles for making purchases on your credit cards instead of cash. Many people prefer using credit cards for daily purchases such as groceries and others. This way, they are not only able to clear the payment after 40-50 days and even maximize the rewards. 

5. Considerations to make

A majority of credit card issuers provide you with reward points. Hence, if you don’t use the facility wisely, not being responsible may weaken all the benefits. For example, carrying a balance on your credit card may lead you to pay a higher interest rate which will be more than what you stand to gain. What’s more, the habit of carrying a balance on your credit card can also affect your Credit Score. As a result, your probability of availing loans at a lower rate may also get affected. The other thing is that if you continue to increase your credit card expenditure just to earn rewards, you may fall in debt.

In the entire process of maximizing credit card offers, there are majorly three key factors to remember about the credit card rewards schemes. Let’s have a look.

• Credit card reward programs are created to help a credit card issuing company to earn money
• A credit card user should take out time to go through the fine print or terms and conditions. Doing the homework in advance and being aware of what you are getting into will help you manage it smartly
• And finally, always ensure to make payments on time as the failure to do so will also hit the rewards and your wallet as well

You are now aware of some of the ways you can maximize the credit cards in India. It is a good thing to earn rewards, cash back and redeem them later to get exclusive discounts on future transactions. However, to ensure earning higher rewards, you must not use your credit cards unnecessarily and fall into a debt trap.

Many lenders including Bajaj Finserv offers some pre-approved deals on credit cards, EMI finance, home loans, personal loans, business loans and more. Such deals aim to simplify the overall loan procedure and make it less time-consuming.

You can go ahead and share a few of your basic personal details such as your name and mobile number to check out your exclusive pre-approved loan offers today.

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The Benefits of Having a Good ICRA Rating

Credit Rating is the evaluation of a company's financial worthiness with respect to the market as a whole. The higher the credit rating, the more trustworthy the company's investment are and vice-versa. Credit Rating is a huge factor that affects major players in the markets such as potential investors, financial companies and venture capitalists among others. All the instruments whatever the tenor [i.e.-Long term and Short Term] will affect the company's credit rating respectively. ICRA stands for Information and Credit Rating Agency of India Limited. It is the second largest credit rating agency in India. ICRA has acted as the go-to credit rating agency for all the potential investors, financial institutions and creditors since 1991. The parent company of ICRA is Moody’s Investor Service, one of the three biggest credit rating agencies in the business. The primary task of ICRA is providing information and guidance in the form of ICRA ratings, grading and research.

ICRA Rating Scale based on Long, Medium and Short term

Rating Definitions	Symbols used in Short Term	Symbols used in Medium Term	Symbols used in Long Term
This is the highest credit rating assigned by ICRA. This particular instrument carries low credit risk.	AAA AA+ AA AA- A+ A	MAAA MAA	LAAA/AAA LAA/AA
This is an adequate credit rating assigned by ICRA. This instrument carries an average credit risk.	A- BBB+ BBB	MA	LA/A
This is an inadequate credit rating assigned by ICRA. This instrument carries above-average credit risk.	BBB-	MB	LBBB/BBB
This is a risk-prone credit rating quality assigned by ICRA. This instrument carries high credit risk.	BB+ BB BB- B+ B B- C+ C C-	MC	LBB/BB
This is the lowest credit rating quality assigned by ICRA. This instrument carries are in default.	D	MD	LD/D

What are the benefits that come with Good ICRA Ratings?

The benefits available to a corporate entity with respect to favorable ratings are

It provides benefits to the financial intermediaries and brokers as they have to put less effort into analyzing the creditworthiness of the client.

ICRA ratings are a good way of earning the recognition through the investor base, and a favorable rating goes a long way in doing so.

Good ratings work as a marketing tool on its own for the companies respectively.

It allows raising funds with fewer efforts on the company's side as investors don't need to be attracted anymore.

It facilitates effective pricing along with adequate timing for issue respectively.

The company which possesses higher ratings would be able to widen its audience by using the respective Media for the purpose of resource mobilization. 

ICRA ratings promote lower cost of borrowings for the company in general.

These ratings are used as a rule of thumb for individuals before making an investment decision.

Optimize the benefits with Bajaj Finance

To optimize the benefits availed with favorable rating choose Bajaj Finance Fixed Deposits-

• Bajaj Finance has been categorized MAAA under ICRA which ensures high stability and credibility along with assured gains.
• The online Fixed Deposit Calculator helps to evaluate the returns in advance as well as calculate the applicable Fixed Deposit interest rates.
• One can enjoy the accessibility that comes with Bajaj Finance’s 200+ branches across India.
• One can also track the status of FD application as well as manage the FD account online under this fixed deposit scheme.
• Bajaj Finance Fixed Deposit offers flexible tenors to its clients with a period between 12 and 60 months.
• The company has also been categorized FAAA under ICRA which ensures high stability and credibility along with assured gains.
• Under this scheme, renewals on policy avail the account holder an additional 0.25% and more interest as compared to the last interest rate applicable under this policy.
• The interest rate provided under this scheme is 8.75%- 9.10% per annum.
• Senior citizens under this scheme can avail 0.35% higher interest rates under Senior Citizen FD scheme.
• There is a special tenor under this policy provided for a period of 15 months which provides an interest rate of 0.25% more as compared to the policy which is for a period of 12 months.
• To open a Fixed Deposit account under this scheme, a minimum initial deposit of Rs 25,000 /- is required.

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Things To Consider Before Opting For Mortgage Loan Transfer

Have you taken out a mortgage loan but feel your present lender is charging you a high interest? It’s time you consider getting your loan transferred. But even in the case of a better rate of interest, you should be cautious before transferring the loan to another lender. 

This article gives a brief overview of the factors you should consider before making a switch. 

Factors To Consider Before Deciding In Favour Of A Mortgage Loan Transfer

1. Check The Overall Amount: Your new lender may offer you a more lenient repayment option. The value of the EMI may be smaller and the loan tenure may be longer. But you should keep an eye on the final and total amount to be repaid. Remember that each EMI carries an interest component. So, a higher number of EMIs may lead to an overall larger payment made to the loan provider. 

2. Calculate All The Fees Involved: When you begin your association with a new lender, you must fork out several fees. These include the processing fees, administrative fees, technical fees, stamp duty, legal fees, and so on. A mortgage loan calculator will help you assess how much extra you should pay for these fees. Make the transfer only when you will make a profit. Otherwise, continuing with your existing lender may be a wiser option. 

3. Value Of Outstanding Loan V/S Mortgage Value: Suppose you have already repaid a large percentage of the loan. In this case, check the value of the collateral before making a mortgage loan balance transfer. You don’t need to have a collateral that is higher in value than the amount to be repaid. Negotiate with your new lender to check if the values could be adjusted. Make the transfer only after you strike a good deal.

4. Additional Benefits Offered: A loan is not just about borrowing and repaying money– it is also about convenience and ease of repayment. You need to have a lender that allows you to carry out your transactions in a simple and efficient manner. For instance, you should be given a zero-balance account in the bank from where you take the loan. You should have access to the netbanking facilities through which you can pay your EMIs. You must have a relationship manager who would help you with your queries. Before making a transfer, make sure your new lender has these facilities on offer. 

5. Terms And Clauses: Never be in a hurry to transfer even if you get instant mortgage loan approval from a new lender. Take your time and go over the loan clauses. You should comb through the fine print to check if there are any hidden charges or mandatory clauses. You should look to transfer your loan to a lender that doesn’t have too many complicated clauses. This will help you prevent unnecessary issues from cropping up later on. 

6. Added Benefits: A new lender may attract you by offering a free credit card or good insurance cover. While these might be helpful, you need to see if they would be of any real use to you. Do not transfer your mortgage loan simply because you stand to get a credit card that you are never going to use! But if a new lender has some genuinely good offers for you, do take them into consideration and make a switch. 

Choosing A Lender

Banks and NBFCs like Bajaj Housing Finance Limited offer pre-approved mortgage loans. In fact, Bajaj Housing Finance offers a maximum loan amount of Rs.3.5 crore. You can repay this loan with interests over a maximum period of 20 years. 

Last But Not Least

Carefully consider all the points mentioned above before going for a mortgage loan transfer. You must calculate the mortgage loan interest rates and the fees. You must also take the points of convenience into account. Once you are sure that a mortgage loan transfer will help ease your repayment process, you are good to go.

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What Documents Do I Need to Get Engineer Loan?

Engineer Loan offers much-required financial assistance to the engineering professionals who want to set up their own business, buy personal assets, or pursue higher education. These loans can be availed by both salaried and self-employed engineers to meet their diverse personal and professional financial requirements.

Broadly speaking, professional loan for engineers can be classified into two different categories:

• Personal loans for salaried engineers
• Business loans for self-employed engineers

If you have completed your engineering course and have obtained an engineering degree certificate, you can apply for your preferred loan option based on your current professional status. However, before applying for engineer’s loan, it’s imperative to know about the documents required for availing them and also, whether you are eligible for it or not:

Documents required for availing engineer loans

Most of the documents required for engineer loans are same as documents needed for availing any other type of loan. However, since these loans are meant exclusively for engineering professionals, you also need to submit relevant documents to establish your educational and professional qualifications. Here are the complete set of documents required for availing professional loan for engineers:

Valid photo identity proof

A valid identity proof is required by the lender to authenticate your identity and eliminate any possibility of fraudulent activities. The following documents are usually accepted as legal identity proof by most of the lenders in India:

• Aadhar card
• Voter ID card
• PAN (Permanent Account Number) card
• Valid driving license
• Valid passport

Proof of residential address

Proof of your residential address is very important for lenders to complete the verification process. It will also help them to communicate with you in future to convey vital information regarding your loan such as any changes in terms and conditions of the lender, fluctuations in interest rates, and timely reminders for your EMI payments etc.

All the valid identity proofs with your address mentioned in it are accepted as proof of address by the lender. It includes your Aadhar card, Voter ID card, ration card, driving license, telephone bills, electricity bills, valid passport etc.

Passport size photographs

Your recent coloured passport sized photograph is another crucial document needed by the lenders for establishing your identity and other administrative purposes. In general, you need to submit 3 to 6 passport sized photographs to the lending institution for availing engineer loan. Also, make sure that the photographs submitted by you is not more than six months old and is free from distortions.

Proof of Age

Since the age of the applicant is an important factor in determining his/her eligibility for engineer loans, you need to submit the relevant documents to justify your present age. The following documents are accepted as proof of age by the lending institutions:

• PAN card
• Passport
• Birth certificate
• Driving license
• Class X marksheet

Proof of academic qualification

As engineer loans are designed exclusively for engineering professionals, proof of your academic qualification becomes necessary to establish your credentials as an engineer. These documents may include your engineering degree certificate or duly passed marksheets of B.E, B.TECH, M.E, or any such equivalent course. Additionally, the lender may also ask for your high school and higher secondary marksheets.

Proof of Income

Your monthly income is another vital parameter in determining your personal or business loan eligibility. Hence, a proof of income is mandatorily required by the lender to evaluate your repayment capability and eventually decide whether to approve your loan application or not.

If you’re a salaried employee, you can submit your salary slips for the last six months along with Form 16 or your bank statements for the same period as your income proof. On the other hand, self-employed engineers can furnish their IT returns, balance sheet, assessment order copies and bank statements for the last three years.

Bank account details

Since the loan amount will be disbursed to your bank account directly, the lender will need documents to record your bank account details correctly. You can submit documents such as latest bank statements, copy of the first page of your passbook, or a cancelled cheque to register your bank account details with the lender.

In case you fail to provide any of the above documents to the lender, your loan application might be rejected. You should check and compare engineer loan interest rates offered by various lending institutions and choose the best suitable product as per your financial requirements and capabilities.

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