Diwali is such a popular festival in India that it sometimes becomes a byword for ‘Making the best of the opportunity’. “Bhai! Diwali pe kya de rahe ho?” or “Diwali pe naya TV lete hain, offer bhi hai” or “Let’s buy a new phone this Diwali”. Diwali, not only gives us a chance to start an endeavor, but also the perfect opportunity to gift loved ones. Diwali, as we all know, marks the victory of good over evil. Diwali is famous for sweets, home improvement, home decoration and homage to the Goddess of wealth in the form of money, gold, and gifts. This is the reason why shopping and spending are inevitable during Diwali. Businesses thrive during Diwali and reap rich dividends from sales and marketing, alike. Shopping malls, jewelers, supermarkets, consumer durable outlets and even real estate businesses happen to thrive. Today, we look at 11 things that you can, or should, buy this Diwali. We will also tell you how to get an online Diwali personal loan within 48 hours.
How to Get an Online Personal Loan for Diwali
Loan Singh is a digital lending platform that provides Festival loans to salaried individuals who are in need of quick funds to pay for financial emergencies. Diwali may not be a financial emergency but it does involve spending on a substantial scale. One of Loan Singh’s unique offerings is to provide an online personal loan to salaried individuals who have never availed credit before. To cater to the long list of Diwali expenses, it is obvious that you need a source of funds to celebrate the festival in all its pomp and fervor. Personal loans are unsecured loans that are availed to meet these exact fund requirements. As it is an unsecured loan, it does not require any collateral.
Loan Singh looks at your creditworthiness to determine if you can pay the loan EMIs regularly, or not. The idea is to not strain you with credit but to make sure that your salary and savings permit you to avail credit. Your credit report acts like a gauge for Loan Singh. It shows how prompt you have been in your previous credit responsibilities and how trustworthy you are. Loan Singh is perfect because of
No collateral – Having no collateral gives a personal loan an advantage over a secured loan. Even if you do not own any fixed assets, you can at still get funds from Loan Singh.
Multiple purposes – A personal loan can be availed for a number of purposes such as shopping for Diwali, purchasing household appliances, buying a second-hand car, buying electronic gadgets, purchasing gold, holiday travel, home improvement, job relocation, medical expenses, marriage, etc.
Application process at Loan Singh
Not only is a personal loan the best alternative for quick funds, Loan Singh’s quick and easy application process also helps you get the funds you need for any financial emergency. The process to get an easy and quick loan with Loan Singh is mentioned below:
Get Started Page – Select ‘PERSONAL LOAN’ from the drop-down for ‘Loan Type’ and enter the loan amount with the desired repayment tenure.
Registration Page – Add your contact number, personal email ID, and corporate email ID
Social Authorization – Connect your Facebook, Google+ and LinkedIn profiles for discounted rates
Profile Page – Fill in your name, gender, father’s name, number of dependents and PAN Details. We use your PAN Card Number to check your Credit Score and as a KYC document.
Address Page – Choose your type of residence; mention your street address, city, state and pin code.
Job Profile Page – Mention your current designation, total work experience, company name, highest qualification, last institution attended and monthly salary.
Financials Page – Upload your latest 6 months bank statement from your computer, your GMail account or from your net-banking account.
Auto Debit Page – Provide permissions to your bank name, account number, and IFSC code so that Loan Singh can auto debit the EMI amount from your account every month. This way you don’t need to set reminders or miss-out on any loan EMI repayments.
11 Things You Can Buy with an Online Personal Loan for Diwali
Earlier, Diwali shopping included going from one shop to another buying various things; but now with online shopping stealing the show, we spend almost the same amount (if not more) from the confines of our homes. It is as easy as reading Loan Singh’s Blog or availing a personal loan from Loan Singh’s website. It is advisable to apply for an online personal loan, for Diwali, at least 3-4 days before Diwali; so, that you can plan your funds well. So, without any further wait, let’s look at 11 things you can buy with an online personal loan for Diwali.
A generic category which can include everything from chocolates and jewelry to expensive gadgets and consumer durables. Diwali gifting is as emotion-filled, as it is to fill a gift hamper basket. You can go through online portals to buy the best of gifts for friends, family, neighbors, and parents. Diwali hampers are also quite a trend. Shops and online portals run a range of offers and discounts.
New clothes are a vital component of Diwali. Traditional attire aside, people shop for casual outdoor clothing, semi-formal office wear, and also clothing for parties and celebrations. Diwali is an ideal time to buy clothes for oneself and for others.
Diwali is an auspicious period for shopping for gold and ornaments. Dhanteras acts like a dress rehearsal for gold and silver ornaments and jewelry. It is believed that buying gold symbolizes the blessings Goddess Lakshmi showers upon us. Most women prefer jewelry above clothes. Trendy bindi and different colored mehendis adorn women further.
It is not just the female populace who go bonkers over Diwali, their male counterparts also make a list of gadgets to buy – such as Phones, Play stations, Designer watches, etc.
Home Decoration includes Rangoli, paintings, puja room, door hangings, pictures of deities and overall painting of the house. Home decoration also includes setting up of a new room altogether. Modular kitchen is a really trendy home improvement task that involves spending large funds. People with their own front yard can upgrade it to a lawn and get added equipment – such as rake and a lawnmower. Curtains, drapes, table mats and rugs are key items when celebrating Diwali.
During Diwali, people visit each other’s friends and relatives to share gifts and be part of each other’s merriment. The Diwali feast includes a lavish buffet of delicious dishes. Sometimes, people also order food from swanky restaurants or caterers, and celebrate Diwali lighting diyas and gorging on good food.
A Diwali wish-list is incomplete without sweets. Sweets are offered not only during the puja but also as a shareable gift box. It is advisable to buy sweets from reputed sweet marts to avoid any adulteration.
Electric lighting is quintessential during Diwali. Diyas will always remain the traditional style of lamp lighting but for bigger entities like shops, malls, bungalows, etc. electric lighting is a must to celebrate Diwali. Sometimes, various decorators are hired to set up puja pandals, lighting and setting-up chairs and tables. Paper made lanterns are hung in each home and some are also let go in to the sky – as sky lanterns.
Diwali is not just about celebration and fervor, it is also a revered festival dedicated to prayer. A Diwali puja thali is a puja plate that is sold in a variety of materials. Thalis could be of copper, gold or silver. The addons for the puja thali are kalash, incense sticks, camphor, coconuts, fruits, betel leaves, betel itself, sandalwood paste, candles, etc. The entire thali is sometimes sold inclusive of all the items.
Music is so important during any celebration, and Diwali is no less different. Just imagine the effects a really good surround sounded speakers from a really well branded Music Deck could make. Inspirational music CDs and devotional songs by prominent singers are also sold everywhere.
It is not just kids, but adults also enjoy the swirling of spraklers and bursting of crackers. Bigger premises participate in a fireworks show. All this is in lieu with the victory of good over evil and light over darkness.