Gopal Gidwani is a journalist for LiveMint, focusing on national news and financial topics in India. With a specialization in personal finance and investment strategies, Gopal provides readers with insights on budgeting, investment options, tax planning, and portfolio management. His articles aim to educate and guide individuals in making informed financial decisions.
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India (National)
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Gopal's coverage largely centers around personal finance, with a focus on investment analysis and how-to guides. He seems particularly interested in providing practical advice for individuals looking to make informed financial decisions or seeking guidance on tax-related matters.
Given Gopal’s emphasis on personal finance topics such as budgeting, investing, and taxation within India, he is likely receptive to pitches from professionals who can offer expert insights into the Indian financial landscape. These could include financial advisors specializing in Indian markets or tax consultants well-versed in local regulations.
Pitches offering actionable advice or analyses relevant to the specific topics covered by Gopal would likely be most effective in capturing his attention and interest.
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By: Gopal Gidwani
Credit cards: Yes Bank has put a limit of 70% on reward points redemption for booking flights and hotel accommodation; the charges for auto-debit return, late payment, and finance charges have been revised, and quarterly spends required for complimentary airport lounge access have been increased.
By: Gopal Gidwani
Credit Cards: The Airtel Axis Bank Credit Card gives 25% cashback on Airtel services, 10% cashback on other utilities and orders placed with preferred merchants, and 1% cashback on other spends.
Credit scores are crucial for loan and credit card approvals. Factors such as age, income, and debt-to-income ratios play roles alongside the score. Regular use of credit and timely payments are essential for maintaining a good score.
Personal Loan: Some important factors in determining personal loan interest rates include macro interest rate regime, applicant's credit score, relationship with the bank, profession, past repayment history, etc.
By: Gopal Gidwani
Establishing credit resolutions for 2025 can enhance financial health by promoting timely payments, reducing debt, and maintaining a low credit utilization ratio. Regularly checking credit reports helps identify errors that can harm credit scores, which are crucial for securing favorable loan terms.
By: Gopal Gidwani
Credit cards: The Marriott Bonvoy hotel loyalty program offers members various benefits based on elite tiers. You can transfer credit card reward points and enjoy free hotel stays during vacations.
By: Gopal Gidwani
American Express Platinum Travel Credit Card provides 48,000 reward points and a Rs. 10,000 Taj Stays voucher for Rs. 4 lakhs annual spends. The Marriott Bonvoy HDFC Bank Credit Card provides 10 Elite nights with Marriott Bonvoy and up to 4 night stay awards for up to Rs. 15 lakhs annual spends.
By: Gopal Gidwani
You can get a personal loan with a low credit score by having a guarantor/co-applicant, taking a lower loan amount, maintaining a low DTI ratio, convincing the bank about loan repayment, etc.
Credit Card: The Cashback SBI Card gives 5% cashback on online purchases. The Swiggy HDFC Bank Credit Card provides 10% cashback on Swiggy App purchases (food delivery, Instamart, Dineout, etc.). The HSBC Live+ Cashback Credit Card provides 10% cashback on groceries, food delivery, and dining.
Becoming a loan guarantor will reduce your loan eligibility. A borrower default will impact your credit score negatively, and you will have to pay the loan, else the lender can take legal action.
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