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: The debt snowball method focuses on paying credit card bills with the lowest outstanding amount first and moving ahead. The debt avalanche method focuses on paying credit card bills with the highest interest rate first and moving ahead.
By: Gopal Gidwani
Credit cards: If you have to dispute a credit card transaction against a merchant, you can raise a chargeback with your bank. If the chargeback request is valid, the transaction will be reversed.
By: Gopal Gidwani
The Atlas Credit Card offers regular and accelerated reward points, tier-based airport lounge access, Edge Miles (EMs) on spend-based milestones, etc. The EMs can be transferred to various airline and hotel partners to book flight tickets and hotel accommodation to enjoy a family vacation.
By: Gopal Gidwani
The Swiggy HDFC Bank Credit Card offers 10% cashback on food ordering, Dineout, Instamart, and Genie from the Swiggy App. It can help you save up to Rs. 42,000 annually.
By: Gopal Gidwani
Personal Loan: Banks consider the DTI ratio of 35% or lower good for approving personal loans. The chance of a loan approval reduces if the ratio is higher. The individual should work towards lowering the DTI ratio before applying for a personal loan.
By: Gopal Gidwani
Credit Cards: Your credit score is crucial for financial health and loan eligibility. Avoid credit mistakes, like applying for multiple loans too quickly or missing payments, to maintain a good score.
By: Gopal Gidwani
New Delhi, Nov. 13 -- Your credit score is an important indicator of your creditworthiness, ability to repay loans, and overall financial health.
By: Gopal Gidwani
Credit cards: Debunking credit score myths, here we explain how to build and maintain a good credit score for accessing loans and credit cards. It outlines factors affecting approval, such as income, profession, and credit utilization ratio, emphasizing the necessity of having credit accounts.
By: Gopal Gidwani
Having a good credit score is important for credit card and personal loan applications, but banks also evaluate residency, income eligibility, age, job stability, and KYC documents. Fulfilling these criteria can significantly increase approval chances despite a good credit score.
Building and maintaining a good credit score is essential for accessing loans and credit cards, which can help in emergencies or for personal enjoyment. A higher credit score can lead to better loan terms and pre-approved offers from banks, making financial management easier.
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