Blogs Archives - Credit Gyani

January 2, 2021January 17, 2021

Is Aadhar Card Mandatory for Passport?

What, if you went for a passport application with aadhar card and it was not accepted. So, Is Aadhar card Mandatory for Passport? and if not what are various other documents that can be used for passport application?

Actually in this article I will be narrating a real life incident which I have witnessed in the Passport office.

What kind of Aadhar is not accepted as a Passport document?

There was a man sitting next to me, completely perplexed. Then I asked him what happened to him, why he is upset.

He narrated me whole incidence that his aadhar was not accepted as a document for passport.

Then I got little intrested in the conversation as I was also using aadhar card for my application.

After that I asked him to elaborate whole situation, then he told me that due to miss matche in his name on aadhar and other documents.

He was carrying aadhar card, PAN card and class 10th mark sheet. His PAN card and class 10th marksheet had same name.

But, In class 10th mark sheet his name was written as “Rajat Kumar Sharma” and his name on aadhar was “Rajat Sharma”.
So, This type of aadhar is not accepted as document for possport.

He was asked to get other document or update his aadhar name by using class 10 marksheet.

Is Aadhar Card Mandatory For Passport?

It’s simple and straight answer is, Number Aadhar is one of the documents not only document required for passport.

Earlier it was mandatory to have aadhar card for Tatkal Passport service, but Supreme court verdict has ruled out this.

Before this, if you have to apply Tatkal passport and you don’t have aadhar card, simply you can not apply.

There was only one way to apply, firstly apply for aadhar and then apply for passport with Aadhar application no.

Valid Documents for Passport Application

If you don’t have Aadhar Card then you can use any 3 of 14 documents prescribed passport officials.

14 valid documents for Fresh Indian Passport Application

Here, is list of documents required as Proof Of Present Address:-

1	Water Bill
2	Telephone (landline or post paid mobile bill)
3	Electricity bill
4	Income Tax Assessment Order
5	Election Commission Photo ID card
6	Proof of Gas Connection
7	Certificate from Employer of reputed companies on letter head
8	Spouse’s passport copy (First and last page including family details mentioning applicant’s name as spouse of the passport holder), (provided the applicant’s present address matches the address mentioned in the spouse’s passport)
9	Parent’s passport copy, in case of minors(First and last page)
10	Aadhaar Card
11	Rent Agreement
12	Photo Passbook of running Bank Account (Scheduled Public Sector Banks, Scheduled Private Sector Indian Banks and Regional Rural Banks only)

List of documents required as Proof Of Date Of Birth:-

1	Birth Certificate issued by the Registrar of Births and Deaths or the Municipal Corporation or any other prescribed authority,whosoever has been empowered under the Registration of Birth and Deaths Act, 1969 to register the birth of a child born in India
2	Transfer/School leaving/Matriculation Certificate issued by the school last attended/recognised educational board
3	Policy Bond issued by the Public Life Insurance Corporations/Companies having the DOB of the holder of the insurance policy
4	Copy of an extract of the service record of the applicant (only in respect of Government servants) or the Pay Pension Order (in respect of retired Government Servants), duly attested/certified by the officer/in-charge of the Administration of the concerned Ministry/Department of the applicant
5	Aadhaar Card/E-Aadhaar
6	Election Photo Identity Card (EPIC) issued by the Election Commission of India
7	PAN Card issued by the Income Tax Department
8	Driving License issued by the Transport department of concerned state Government
9	A declaration given by the Head of the Orphanage/Child Care Home on their official letter head of the organization confirming the DOB of the applicant

List of Valid Documents For Minor/Child Passport Application

Documents Required for Diplomatic Passport in India

Documents Required for Passport Renewal in India

June 24, 2020June 24, 2020

5 Best Tax Saving Instruments and Options

Till I started earning and paying taxes, I used to think that people are unnecessarily tensed about saving taxes. But when I received my first salary and experienced my first tax deduction, I realized that I was wrong. It’s because of a lack of Education about Tax Saving Instruments.

It is just smart to save tax making the best use of tax saving options provided by the government. A lot of tax saving options as well.

However, the majority of taxpayers invest/save in products defined under the most popular Section 80C by claiming the deduction on them and think they can save this much tax only.

But that is not the case. In this article, I will share 5 tax saving tricks that help you to save more on tax. So let’s get started.

List of Tax Saving Instruments and Tax Saving Options

Additional tax saving with NPS under Section 80CCD

You can claim a tax deduction under Section 80C by contributing Rs. 1.5 lakhs yearly in NPS. Additionally, Apart from that, you can claim a tax deduction under Section 80CCD (1B) by contributing an additional amount of Rs. 50,000in your NPS account.

It means that if someone falls under the 30 percent tax bracket, then the additional tax saving helps them save up to Rs. 15,600 on their income tax. 4 percent education cess is also included in this.

Tax saving by Health Insurance Premiums under Section 80D

In the era of increasing medical cost, health insurance has become very important for everyone. If you don’t have any health insurance cover, then a medical emergency can cause a negative impact on your financial life.

Tax incentives are offered by the government to encourage investment in health insurance by more people. The health insurance premium amount can be used to claim tax deduction under Section 80D.

You can claim tax benefits on the premium paid for a standard health insurance policy, health insurance riders, and top up health cover.

Also Read : How To Buy Best Health Insurance

An added advantage of this section is that you can get tax benefits on preventive health check-up expenses. However, it should be within the section limit.

The limit on tax deduction under Section 80D depends on who is included in the health insurance cover. This limit can be Rs.25,000, Rs.50,000, and Rs.75000 or Rs.1 lakh, depending on the situation of the taxpayer’s family.

If you buy health insurance for yourself and your family excluding your parents, then you can claim a tax deduction of up to Rs. 25,000on the premium paid.

If even a single person in your family is above the age of 60, the limit you can claim is Rs. 50,000. Apart from this, if you buy health insurance for your parents, then there is a limit of Rs. 25,000 for non-senior citizen parents and 50,000 for senior citizens.

This limit is over and above your family limit. Let’s understand the deduction you can claim with an example.

Let’s assume that Anil, who is a 35 year old working professional, buys a health insurance policy. Anil, his spouse and dependent children, are included in this policy.

In this scenario, the limit of tax deduction can be up to Rs. 25,000 in a financial year under Section 80D. This limit includes preventive health check-up as well.

Anil spends Rs.18,000 per annum for his health insurance premium, and he also spends Rs.4,000 per annum for a preventive health check-up.

Tax deduction under Section 80D: Rs.22,000Now Anil felt that his senior citizen parents should also have health insurance. Anil buys health insurance for his parents, and in this case, the limit under section 80D will be Rs. 75,000.

This includes a limit of Rs. 50,000 for the premium paid on the insurance for his parents and remaining Rs. 25,000 on the premium paid for the health insurance policy of himself and his family.

Tax saving on the medical expenditure of a disabled dependent under Section 80DD

A taxpayer can claim a deduction under Section 80DD if he/she takes care of a dependent disabled family member.

This deduction is offered to help you take care of a disabled family member who is dependent on you. Section 80DD defines disabled dependent family members which include wife, children, parents or siblings.

In the case of HUF, any member of HUF can be disabled dependent. To claim the deduction in this section, it is necessary that the disabled dependent has not claimed deduction under section 80U.

The disabilities covered under this sectionare blindness, low vision, loco-motor disability, hearing impairment, mental retardation, mentalillness, autism and cerebral palsy.

You can claim deduction on the following medical expenses: Expenses incurred on medical treatment, nursing, training and rehabilitation of the disabled dependent.

The premium paid for the insurance policy designed specifically for such cases. The deduction depends on the condition and seriousness of the disability of the dependent person.

If the disability of the dependent person is at least 40%, then one can claim a deduction of about Rs. 75,000 in a financial year.

If the dependent person is at least 80% disabled, then the taxpayer can claim up to Rs 1,25,000 tax deduction.

Tax saving on repayment of an education loan under Section 80E

You get tax benefit on the repayment of the interest component of the loan taken for higher education. This benefit is available under section 80E, and there is no limit on it.

A tax deduction can be claimed by whoever is making the repayment; it could be the parents or the student.

Taxpayers can claim tax deductions up to 8 financial years from the year of commencement of interest repayment of the education loan, or till repayment of the entire interest, whichever falls earlier.

For example, if you repay the education loan for 6 years from the date of repayment, then tax deduction will be available only for a period of 6 years.

You can repay your education loan after the8 year time period, but you would not be able to claim the tax deduction after the 8th year.

Tax Savings on interest earned on Savings Bank account

We all keep balance in our bank accounts and earn interest on it. All individuals and HUFs can claim a tax deduction on this interest.

This deduction can be availed under Section c80 TTA. This is for all taxpayers who are not senior citizens. Senior citizen taxpayers fall under Section80TTB.

Now let’s first see, what all sources are considered for interest earned:-

1. Bank Savings Account
2. Post office Savings Account
3. Savings account of Cooperative Societies

Who are into banking business You should keep this in mind that interest on FDs, RDs or other term deposits cannot be claimed for deduction under this section.

The maximum deduction limit under this section is Rs. 10,000. This means you can claim a deduction on the interest earned up to Rs 10,000 from your savings bank account.

If you have many savings accounts then also you can not claim deduction beyond Rs.10,000 interest. The interest more than this amount will be considered as income from others source, and tax will be levied.

For example, Ananth has 3 savings bank accounts. He earned interest of Rs.6,000, Rs.8000 andRs.12,000. The total income from interest is Rs.26,000. But he can claim only Rs.10,000 for tax deduction under Section 80TTA.

This means that the remaining Rs.16,000 will be treated as income from other sources and will be included in taxable income.

Section 80TTB This section came into being on 1st April 2018. This was launched for the benefit of senior citizens who usually use the interest from their savings bank account and deposits as their income.

Under this section, one can claim up to Rs.50,000 as a tax deduction. With this, we come to the end of our video.

Now that you know these 5 lesser-known ways to save taxes go ahead and utilize whatever is applicable to you.

June 23, 2020June 24, 2020

Should I Skip My Loan Payment?

Obviously there is a lot going on right now in the economy and some of this has to do with the money that we’re making from the jobs that we have and at the end of the day, we might not be able to afford the loan payments that we have.

But I just want to warn you that if you are gonna skip Loan payments or if you’ve got emails and stuff like that there are a couple of problems that I want to go over in this article.

Three-Point To Check Before You Skip Loan Payment

1. Fine

So that you’re aware that if you skip a payment you might have some consequences and so that’s what this article is about because if you’ve got a car loan or a mortgage and you end up getting an email from those actual lenders to skip a payment then it might actually be something that you can do without much consequence.

But you definitely want to be checking their fine print and that’s the first thing that I want to talk about you have to do your research on exactly what you’re doing.

So if it’s coming from your lender that’s a good thing because they’re gonna have everything written down for you but if you’re just going off rumors in the news that you can skip your mortgage or you could skip your rent I would definitely recommend doing your research.

So that you don’t have major consequences in the end and one of the biggest problems that I’m seeing was skipping a loan payment is that.

2. Repayment with additional interest

A lot of us think that you don’t have to pay that back and in most instances you are gonna have to pay that back you’re either gonna have to do it on the back end which is ideal or you might have to do it in just a few months but it all depends on the fine print between you and your lender because they all have different things that they’re gonna go over and that’s exactly what you have to be paying attention to so for instance.

If you still have thirty four months on your car loan that you owe and you decided to skip a payment through the lender and if it’s on the back end and this is a good thing because that means that you just have thirty five months more to pay on because they’re just gonna push the loan back one month and that’s not really a big deal because you’re not gonna see that for a really long time and that’s what most of us want to.

Do you want to just skip a payment and have it go to the back end and it’s not really that big of a deal but I have heard horror stories about lenders that want their money back within just a few months and this is a huge problem because if you have a $400 car payment and you skip two of them then on your third month they might actually want you to owe twelve hundred bucks and that’s probably not gonna happen.

Because if you needed that money you’re gonna be using it for othert hings and you’re not gonna be saving up to $400 a month that you need to pay off your car.

So definitely check the fine print do your research and make sure that you are confident of exactly what’s gonna happen.

3. May Impact Your Credit Score

If you’re gonna skip a payment and as a last resort if you can’t find any information on skipping a payment from your direct lender then I would call them or email them and have them tell you exactly what’s going to happen if you skip your payment because if you can’t find any information then at least you can call them and find out something a little bit more.

Now the other problem that I’m seeing with skipping your loan payments is that some lenders are actually reporting this information to the credit bureaus as a late payment.

And this is a big problem for your credit score because it is a huge chunk of your credit score.

If you’re having late payments so definitely make sure that you do your research find out what’s gonna happen and if it is gonna affect your credit score now obviously if you have no choice you gotto do what you got to do.

But if you do have a choice make sure that you’re doing it smart and make the right decisions on skipping a payment because your credit score is actually a part of a whole bunch of different categories and each of those categories has a different weight someof them are high impact some of them are low impact.

And it just so happens that your payment history is the biggest chunk of your entire credit score at 35 percent and if you make a late payment it can actually stay on your credit score for 7 to 10 years so definitely don’t make a late payment unless you absolutely have to because 7 to 10 years is a really long time.

Andit’s affecting a very large chunk of your credit score because it is high impact so at the end of the day if you are gonna choose to skip a payment just make sure to do your research and find out also if it’s gonna affect your credit score because there are a lot of lenders out there I’ve actuallypersonally got a few emails I’ve done the fine print I’ve checked everything from them.

And they are good deeds that they’re just doing for their customers so for instance my auto loan they allowed me to skip a payment which I didn’t choose to do that but if I did choose to do it it was just gonna happen on the back end I might pay a little more interest and they’re not going to report it to the credit bureaus and that’s a good thing.

So all in all that was a win-win if I wanted to skip that car payment and that’s just what we want to do we want to do our research make sure everything safe. Make sure it doesn’t affect our credit score

June 23, 2020June 23, 2020

How to Get A Car Loan?

If you want to get a car loan without getting screwed up, then read this article because I’m going to teach you exactly how to get a car loan.

The right way financing a car is a big deal because if you don’t do it the right way, you’re gonna lose a ton of money, and you’re probably going to end up going upside down in your car.

I bought my first car when I was 20 years old, and I was so stupid because I got a $20,000 loan for seven years at seventeen percent interest so please don’t do what I did because I didn’t do any research and I took terrible advice for my friends on how to grow my credit, and we all know that lousy information will always lead to foolish decisions.

I’ll start by saying that financing a car is broken into three different parts, but you’ve got to understand how these different parts work not to get screwed as the consumer we’ll be looking at the amount borrowed the interest rate and the length of the loan those are the three different parts that you need to understand.

These three different numbers will determine what you can or can’t afford as a monthly car payment.

So pay attention and remember that a monthly payment doesn’t determine what you can afford until you apply.

Now starting with the amount borrowed, this will be your entire car purchase plus any taxes and fees, and any money that’s left from a previous car loan is everything you need to borrow from the bank to purchase your car.

Make sure to research the car that you’re buying so that you can get the best deal possible, and please don’t pay full price for extended warranties or carpet cleaning anything like that because those prices are all negotiable. Just remember to get the best price possible on your car purchase.

As far as the interest rate goes, this is just the amount of money you have to pay back the bank even to have your car loan.

To get the best interest rates, you’ve got to have excellent credit, or you’ve got to have a cosigner that has excellent credit.

To make it happen and if you are using a cosigner make damn sure that you can make your monthly payments every single month because if you’re late just once you’re going to hurt their credit score and trust me, they’re going to be pretty pissed when they go in to get a loan, and they realize that you screwed their credit score.

The bottom line here is that if you do have bad credit, stick with the cheap car so that you can make the payments and build your confidence along the way, or you could pay cash and save up like we used to back in the day.

You’ll also want to have a down payment of about 10 to 20 percent to get the best rates, and new cars will typically need about 20 percent down because of their fast depreciation I know that 20% down is a lot, but you’ve got to understand that to get the best rates you got to make a few sacrifices.

If you have an existing car that you can sell, take those profits, and use those towards your down payment, and you’ll probably have enough now if you don’t have very much down you can at least see what the banks will give you because it’s worth a try.

The best car loan interest rates are typically about 3 to 5 percent which will cost you about 30 to 50 bucks a year per thousand dollars that you borrow so if you’re financing $20,000 then you’re going to be looking at about 600 to $1,000 a year in interest, but that’s on optimal credit and with a good downpayment.

If you are given a rate that’s higher than 5%, then I would highly suggest working on your credit score or paying cash for the car so that you don’t go completely upside down on it.

Being upside down in your car means that you owe more than the vehicle is worth and that is not a good thing cars naturally depreciate on their own which sucks, but it is normal but keep in mind that you don’t want to be paying a ton in interest because you will go upside down in your car now when you decide to finance a car.

I would stick with just banks and credit unions because they always have the best rates shop around online and I’m sure that you’ll find a bank quick and easy and please don’t go with your local bank just because you know who they are because that doesn’t always mean that they’re going to have the best rates always go with whoever has the best terms because that’s going to save you the most money on your car loan.

Now as an example I live in Indore, and I actually financed a car once through a company Gujrat because they had the best rates and it was easy to pay online dealers can also get you excellent rates on car loans but make sure that they don’t get a cut of the interest rates and if they’re not taking a cut and go ahead and use them.

Because it’s a lot easier and you probably only have to get your credit for at once, and sometimes car manufacturers will even offer their rates, which are typically really good from about 2% to 0% on new car purchases.

So if you’re looking into a new car and offering 0% financing, and there’s nothing funny about it, then that is a seriously good deal.

Finally, let’s cover the length of the loan, which is the amount of time that you’re going to be making monthly payments until the loan is paid off. Remember this, the longer the length of the loan, the smaller your car payments will be.

But remember that the longer the loan is, the more that you’re going to pay interest, and this is what you have to understand because banks and dealers will increase the length of your loan to get your payment.

Where you want them so that you think you’re getting a good deal, the monthly payment is only essential if you’re following the three parts that I’ve been talking about.

Now the car loan length should only be about 24 to 60 months if you go with anything more extended than the 60 months you’re going to see the interest rates increase, and you’re guaranteed to waste way too much money on your car.

Typically the interest rates will go up to about one to two points for every year you extend past sixty months, and that’s also for the customers with the best credit score. So please don’t do anything higher than five years.

So let’s say that you buy a car for fifteen thousand dollars at a four percent interest rate for 60 months your monthly payment is going to be about three hundred bucks a month for the next five years and you’re going to pay almost sixteen hundred dollars in interest over the life of the loan.

Now let’s pretend that we buy the same 15 thousand dollar car, but this time you’re going to pay eight percent interest over eighty-four months, your payments now going to be two hundred and thirty-three dollars a month, which is better than the two seventy-six.

But this is all a lie because you’re going to pay a ton more interest you’ll now be paying about forty-six hundred dollars in interest for the car loan, and you’ll be spending on it for the next seven years so now can you see why having a longer low is a bad idea.

It’s all a big fat lie because your monthly payment might look good on paper, but it’s a total ripoff, and after just a couple years I guarantee you you’re going to be upside down in your car and you’ll still have five years to go on the loan did.

You know that the average car loan is 68 months long at 4.2 percent interest for $30,000 borrowed those are terrifying numbers because it proves that most of us are buying way too much car.

Now I want to make a quick note here about car insurance before you go out and buy a car please call your car insurance to find out how much the new car is going to cost you.

Because if you’re looking into some fancy 7 Series BMW and it costs you a hundred and fifty bucks more a month in insurance and it’s probably worth looking into something else.

So call your insurance before you buy a car so that you know how much more it’s going to cost and now after all of this information you know how to finance a vehicle make sure to get the best price for the car the best interest rate and make sure that you’re only keeping a loan for 24 to 60 months and if you follow these three parts correctly I guarantee you you’re going to get the best financing possible for your car loan.

June 18, 2020July 22, 2020

How to Check MP Bhulekh Naksha, Khasra Online?

Hello friends, in this article I am going to discuss how to check Madhya Pradesh naksha and khasra online. Lots of people find it hard to check their Land records because recently the government of MP has changed its website from land records to MP Bhulekh.

You have to simply follow the steps given below to view land records from mp Government’s official website.

Steps for Checking Land Record from Bhulekh MP Website

Step 1:- Simply go to google, and search for MP Bhulekh as illustrated in the picture below. Now, click on the result from the website mpbhulekh.gov.in

Step 2:- You will land on the page below where you have to select free service as the next step.

Step 3:- Now select the first option from the new page opened.

Step 4:- Now, a new page will open where you have to enter some details about your land. In this step, you have to firstly click on District(Jila).

Step 5:- After clicking on the district section A list of all districts will open where you have to select your district.

step 6:- As you select your district now the next column will be of Tehsil. As you have selected your district in the same way you have to select your Tehsil.

Step 7:- Now you have to select R. N. M. from the drop-down list.

Step 8:- Now select your Patwari area from the patwari Halka section.

step 9:- now next step is selecting your village from the Gav section.

Step 10:- Now chose yore query. In this section, you have two choices:-

1. 1. 1. 1. Bhu-Swami
      2. Khasra Number

step 11:- Now, Fill captcha given in the image and click on Vivran Dekhe.

As you click on vivaran dekhe your all detail will be shown. Here I am sharing a sample screenshot of a random Inquiry.

FAQ’s on Checking Land Records From MP Bhulekh online

Can we use mp bhulekh free?

Yes Its government website which is free for all you don’t have to pay any charges.

Which is new official website Of MP government for checking Land Records?

Recently the government of MP has changed its website from land records to MP Bhulekh.

May 22, 2020July 22, 2020

Times Prime Membership New Perks And Top 5 Advantages

Times prime membership is an electronic membership service for superior content and exclusive member benefits. It is offered by Times internet.

As a member, you get access to a vast range of premium contents across several categories like news, entertainment, lifestyle, and a lot more. With one membership of Times prime, you are able to integrate your digital identity with just 1 account. If you go with this membership you don’t need to remember multiple passwords and coupon code.

It has been almost a year since I am using the Times Prime membership program. It comes with numerous mind-blowing Perks and advantages. Let’s look at what this membership offers.

Times Prime Membership Application Tips

Should I Subscribe?

So first of all, if you are thinking of taking Times Prime membership You must make sure that you live in Metros cities. If you are not in metro cities you will not be able to enjoy 100% benefits of this Membership. It offers many services that are only limited to metro cities. For example, if you are living in nonmetro cities where Dineout restaurants are not available So your this membership may go waste.

If you don’t mind not getting 100% benefits this membership is made for you. So check out the full review to know better that you should get this membership or not.

Times Prime Subscription Fees

Times Prime membership charge Rs.999 for a year membership. From my point of view, Paying Rs.999 fro this membership is not too much for what it offers. As you move further with this article you will understand why I am saying Rs.999 is not much for what it offers.

There are even some offer which will reduce its membership fees by 20-30% if you chose to pay from HDFC Times Card. Earlier there were may offer for reducing membership fees But now there is only one active offer. If you have HDFC times card you can get 30% off where you have to pay only Rs.699.

HDFC is offering Times Prime Membership Free of cost If you are the holder of HDFC Diners Club Black and Diners Club Privilege Card Holder on achieving certain milestone spending listed under:-

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3. Click on FITCOACH and select the one month plan
4. On the payment page, uncheck the option to avail fit prime in case you don’t want to pay for extended validity
5. Click on I have a coupon code and apply the unique code provided to you by times prime membership
6. Your payable amount should drop to zero
7. Click on activate

Times Prime FreshClub Privileges

Freshmenu is the go-to neighborhood food delivery option you can turn to when you are famished. They claim that their chefs create a variety of plated meals on-demand, to make sure that their customers are spoilt for choice. They also claim that they update their menu every day. Press club members will enjoy benefits like early access to exclusive dishes, free shipping, and discounted prices on most products.

Here is the complete process for its redemption:

1. Request for Freshclub membership activation by clicking on ‘activate on Times prime Freshclub page’
2. For new users of Freshmenu, to register on Freshmenu, enter your email id and Times prime register mobile number to avail benefits of Freshclub
3. Start enjoying the benefits of freshclub membership on the Freshmenu app and site.

Note:- For the existing users of Freshmenu, ensure your mobile number on Freshmenu is same as the the one registered with Times prime.

Times Prime Dineout Plus Membership

if you are a fan of the best dining offer across the country and restaurant discount it’s some of the most wonderful restaurants and cafes, Then the gourmet passport by Dineout’s offers just that. Government passport provides ultimate dining privileges to all its member at 200 + restaurants across top cities in the country including benefits offered in over 150 Plus 5-star hotels.

With your Times prime membership, you can avail complimentary gourmet passport by Dineout subscription, for a year. under this yearly subscription from Times prime, you can enjoy complimentary dining offers, restaurants deal, and complimentary drinks as well. Here is the complete process for its redemption:-

1. Login with Times prime number
2. Select your preferred City pack
3. Membership will be activated automatically

Times Prime OYO wizard Membership

Oyo wizard is India’s largest hospitality membership program offered by Oyo, India’s largest hotel network spread across 230 cities with 8500+ hotels offering standardized and hustle free experience at an unmatched price.

As an Oyo wizard membership, you will be entitled to – 5% discount on current booking on Oyo and an extra 500 Oyo money. – 10% additional discount on all your future stays at a wizard base hotel selected by you. – 5% additional discount at all wizard member hotels – unlimited uses during the validity period.

Here is the complete process for its redemption:-

1. Select Oyo wizard blue
2. Apply the unique coupon code
3. Discount applied and your membership will be activated

Times Prime Coupon Code Offers

In this category, Times Prime membership has lots of Coupon code, which will give you some extra discount on the other merchant’s website. There are 15 active coupon codes in times prime membership catalog. I will list down all my favorites coupon code offer, and to know about all other offers, please visit the offer section in times prime membership page.

Times prime Myntra Offer

It’s excellent for all Myntra shoppers like me, and It will give a 15% extra discount up to 750 with minimum shopping of Rs.2000. Myntra has a wide range of products, from clothing to grooming. Flipkart is the parent company of mantra, so there is also now an issue with security and trustworthiness. I prefer shopping on Myntra for product like clothing and personal grooming.

Times prime Zoom Car Offer

I am a big fan of the Zoom Car concept Because it offers personal cars at almost all locations in India at a low price. If you travel a lot or use zoom car, you will get a 20% discount on your every booking. Zoom car service is mostly available in all cities of India. You can get a car at a new place at a meager price.

Times prime Uber Offer

It also offers a 25% discount to uber users. 25% discount is applicable on 3 per uber premier, Hire, And intercity rides. You can get max 50 rupees discount on Uber premier ride and Rs.100 on all Uber Hire Rides, whereas Rs.200 for each Intercity rides. You can check out all Terms and conditions from here.

Times prime Yatra Offer

You get Rs.3000 off on flights and hotels booking on minimum booking of Rs.30000. You can avail of this offer twice every month.

Times prime Burger King Offer

In Burger king offer, They give you 2 great offers which are listed below:-

- Rs.259 + GST(Vegetarian) – 1 wedge whopper + 1 Crispy Veg Wrap + 1 Regular Pepsi + 1 Regular Fries + 1 Loaded Sundae + 1 Vanilla Softie
- Rs.259 + GST(Non Vegetarian) – 1 Chicken Whopper + 1 Keema Wrap + 1 Regular Pepsi + 1 Regular Fries + 1 Loaded Sundae + 1 Vanilla Softie

Event

Right now There are no event program running due to COVID-19. Here is the link for Event Option on Times prime Membership.

How To Get Times Prime Membership?

Here is the step by step guide for getting times prime membership. Follow these steps and get The maximum benefits out of this membership.

1. Visit Times Prime Website, You will land on this page where you have two options
2. If you are not sure of taking this membership you should choose 2nd option of 0ne month free trial. Otherwise, if you are sure then go with Rs.999 Annual plan.
3. As you click on Join Times prime At Rs.999, a new page will open where you have to give your mobile or email id and click continue.
4. In the next step, you will be asked to enter a one-time password(OTP) for verification.
5. In the next Step enter your name and Make a payment of Rs.999. And done

Times Prime Membership Referral Program

Thanks for reading this article. If you will find it helpful, share it with your close friends and loved ones. If you find some mistake or have a suggestion, drop a mail to the official mail address.

In case you have some questions concerning the balance enquiry, you could write it from the comment section below.