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Things You Should Know About the Pagdi System in Mumbai

What is Pagdi system?

Pagdi is a traditional tenancy rental model in India where the renter is also part owner of the house (not the land). He enjoys nominal rates compared to the market rates for rent and also has both subletting and selling rights for the property. The practice was legalized in 1999 by Section 56 of the Rent Control Act, stating that the tenant or any party acting on behalf of the landlord can claim or receive any sum or any consideration as per the agreement between him and the tenant. Let’s explore more here.

The Pagdi system in Mumbai ensures the tenant that the rent for the property remains nominal despite the rise in inflation or any other market fluctuations. Under the Pagdi system law in Mumbai, tenants pay rents as low as Rs. 500 for a property with market rates going as high as Rs. 60,000 or more.

There are many issues related to this rental model, the most prominent one being – redevelopment. Once the flats are fully constructed, and complete ownership is transferred to the landlord, the builder gathers his profits and leaves. The part ownership levies the burden of maintenance on the tenant and the renters, who are co-owners and manage the housing finance together. Given the nominal rent that the tenants receive, they remain deterred from carrying out any maintenance work for the house, resulting in dishevelled structures all around Mumbai. There have been reports of old properties falling and leading to casualties time and again in Mumbai.

The State Government and the tenants are pushing for amendments in the Maharashtra Rent Control Act of 1999 to ensure properties above 847 square feet and 547 square feet (popular average of the houses under this system) pay rents equivalent to the market rates, almost 200 times the rent paid under this system. This move will ensure these tenants slowly phase-out of this archaic system towards a more progressive Model Tenancy Model as proposed by the Central Government.

Additional Read: What Are the Top 5 Affordable Housing Projects Present in Mumbai?

RERA

Now that you know what is Pagdi system, let us talk about its inclusion in the RERA Act. The government is actively trying to bring the deceased building controlled by the Pagdi System under the Real Estate Regulation (and Development) Act, 2016 (RERA) and provide protection and rent security to the tenants. The Maharashtra Housing and Area Development Authority, which receives taxes from these properties, has taken the onus to redevelop these structures. Around 16,000 properties in Mumbai are cessed for repairs, including Pagdi properties.

The Mumbai Development Control and Promotion Regulations 2034 (DCPR) provides attractive incentives to the landlords of these buildings to encourage their redevelopment work. These incentives are given based on the total area required to rehabilitate the occupants.

There are other areas in the country, places like Chandni Chowk in Delhi, that still practice this age-old practice that dates to the pre-independence era. Not only does it prevent the landlord from enjoying the benefits of owning the property, but it also demotivates him from taking care of it. If the current protests from the landlords and the government bear any fruit, many such structures will be saved, and any accidents will be prevented from happening.

Additional Read: How to Check RERA Registered Projects in Mumbai

Conclusion

If you’re looking for a Pagdi system house in Mumbai, buy your dream house effortlessly with Tata Capital’s flexible loan eligibility, attractive home loan interest rates, top-up plans, fast loan approvals, and easy documentation for a hassle-free housing loan.

With home loan in Mumbai rates as low as 9.25%, visit your nearest Tata Capital branch to avail of a home loan for your next dream home!

Best Tips to Plan Your Down Payment for Home Loan

When you take a loan from a financial institution, you are required to pay a certain portion of the loan amount. This up-front payment that you make out of your pockets is called a down payment. In case of a home loan, the down payment typically ranges between 10% to 25% of the total value of the house, and the rest is covered by the financier.

Many challenges are attached to the financing of down payment. This amount has to be taken aside from your savings, despite your other pressing financial requirements. If there is a delay in the arrangement of down payment, the actual purchase of the property also gets delayed which might result in increased property prices. For first time home buyers, it is even more difficult to arrange for such large funds. However, there are ways to efficiently plan down payment for a home loan:

Build Your Corpus

Savings is the simplest way to accumulate funds for your down payment. You can begin by investing in instruments that give high capital returns like equity shares, and eventually move these funds to safer investments with steady, fixed gains like bank deposits or government securities. Monitor your gains by following market trends and keep your losses and gains in order.

Proportionate Release

The construction of a house takes years to get completed (on an average) and this allows for the option to make periodic release of the down payment. Certain banks provide for the proportionate release of the down payments in small portions over some time instead of an up-front, lump sum payment. The bank also disburses the loan amount for the home loan in line with your down payments.This reduces the burden of a large fund transfer on the borrower.

Budget Planning

Saving your income is as crucial as gathering surplus funds when you are planning for a down payments for a loan. Setting up a financial goal, allocating budgets, and keeping your expenses in check are the steps to a prudent financial plan. It is recommended to cut down on impulsive or unnecessary purchases and adopt savings as a habit.

Loan Against Investments

Borrowing funds against your long-term investments like insurance policies or provident fund can also be considered as an option to cover for lump-sum payments. This loan can be repaid over some time using personal savings. Liquidating or mortgaging your assets like an old car, mutual funds, shares, jewellery, etc. could also be considered as an alternative.

Conclusion

By following a systematic approach to accruing down payments for your housing loan, you can easily fulfil the dream of owning a house. Diligent planning, smart savings, and resource gathering lead the way to achieve the same without any undue concerns.

Tata Capital’s Home Loans offer you flexible home loan eligibility criteria, attractive rates, and easy documentation. With home loan interests rates starting as low as 9.25%, let Tata Capital help make your dream house come to reality!

Best Places to go Paragliding in India

Paragliding (not to be confused with parasailing) is every adrenaline junkie’s go-to sport for good reason. There’s nothing like throwing yourself off a cliff, thousands of feet above the ground, and catch the wind in your parachute like a bird catches the thermals, and drift down back to earth. You feel as free as a bird in flight, and along with an adrenaline rush, also gain a sense of freedom and peace. 

India, which is now coming up as a major hub for adventure sports in general, is a paragliding paradise, with more than 30 prime spots to indulge in this adventure, all in different terrains and conditions. Here are the best paragliding places in India you should definitely go paragliding in.

Know More

#1. Bir Billing

To experience the best paragliding in India, you should go to Bir Billing. Located in Palampur, Himachal Pradesh, Bir Billing is one of the best places for paragliding in India and other adventure sports. 

With a takeoff height of almost 8000 feet above sea level and a landing height of 4000 feet, Billing is the highest paragliding place in India and the second-highest takeoff point in the world. Adventure seekers have the chance to soar with a panoramic view of the Himalayan Dhauladhar mountain range and the lush green valley during the 15-20 minute glide session.

From September to October and March to May, paragliders from around the globe come here to enjoy the take-off from the highest paragliding in India.

#2. Manali

Nothing is better than paragliding among lush rolling hills on one side, and rugged snow-capped peaks on the other. And this perfect dichotomy of vistas is offered by Manali. One of the best paragliding places in India is the Solang Valley, which is about 14 kilometres from Manali. There are many certified operators there, offering packages depending on your level of expertise and the duration. The 15-minute experience is the best for you to get complete pleasure from this experience. The cost varies according to duration. The best season to enjoy paragliding in Manali is from May to October.

#3. Panchagani

Panchagani is one of India’s most popular hill-stations. Nestled in the heart of the Western Ghats, it is surrounded by green valleys, streams, and also the mighty River Krishna, making for some breathtaking views. So if you are looking for the best paragliding in India, this paradise is an unmissable treat. 

Bhilar, Khinger and Tapola are some of the more popular spots for paragliding in Panchagani. Tandem jumps are on offer for novice paragliders. The best season for paragliding is from November to February.

#4. Kamshet

Offering one of the best paragliding in India, Kamshet is situated between Mumbai and Pune at the height of 2200 ft above sea level. It is a popular weekend activity among residents of metropolitan cities like Mumbai and Pune. You can fly solo or in a group with your friends; the choice is yours.

Given the perfect blend of favourable weather and infrastructure, it’s one of the best places to learn, as you don’t get that many flying hours anywhere else. Moreover, except for the monsoon season, you may fly here any time of the year, thanks to its exceptional weather.

#5. Gangtok

Sikkim is known for a lot of things: pristine beauty, the Himalayas, the friendly people, and its rivers and waterfalls. But it is also coming into the limelight for another thing: paragliding. No experience is needed as all paragliding activities will be tandem flights. Gangtok has many paragliding tour operators that offer flights at different heights. 

Medium fly flights (from an altitude of 1300-1400 m) offer panoramic views of Gangtok and the snow-capped peaks of the Himalayas and take off from Baliman Dara, close to Gangtok. High-fly flights (from an altitude of 2000 m), which takes off from Bulbuley Dara, also offer magnificent views, and you can be up in the air for 20-30 minutes.

October to April is the most suitable time to experience the best paragliding in India.

Final Thoughts

Adventure sports in India are slowly taking off as a tourism industry sector. So if you are a lover of adventure, you should explore the umpteen opportunities on offer and have an exceptional flying experience from the highest paragliding places in India. Plan your dream holiday without worrying too much about your finances, with a travel loan from Tata Capital. A personal loan from Tata Capital, especially a loan for travel, makes life a lot easier, with no collateral, immediate disbursement of the loan amount, minimal paperwork, and easy repayment (interest rates start at 11.25%, with flexible EMI plans). Apply for a personal loan at Tata Capital and plan your dream holiday today!

Best Places For Bungee Jumping In India

Looking for the highest bungee jumping in India spots? Read on.

Bungee jumping is an adventure sport reserved for serious thrill-seekers. It involves jumping from a tall structure, a cliff, a hill, or a tower, while attached to it with an elastic cord. It’s a free fall down to earth, trusting only a nylon rope to pull you back up. You don’t have to look very far if you are inspired to go bungee jumping, though. As bungee jumping finds its way among adventure sports in India, you will find that there are great spots right here in India.

Here are the top 5 best places for bungee jumping in India.

 Bungee Jumping In Rishikesh

The adventure capital of India is also well known for bungee jumping. With a jump height of 83 m, it is also known as the place which has the highest bungee jumping in India. After you jump, the rope also acts as a pendulum, swinging you back and forth a few times, thus lengthening and heightening the experience.

The activity is controlled by state tourism, and they offer a lot of facilities. This includes a pick-up and drop-off from the Laxman Jhula to the jump site by AC Coach and an on-site cafeteria with a selection of delicious food you can gorge on after completing your jump. You can also buy photos, a shot of your face as you jump on a T-Shirt, and a ‘Dared-to-Jump’ certificate. With so much to do, bungee jumping in Rishikesh is a delight.

Bungee Jumping In Lonavala

Della Adventure Park in Lonavla has installed one of the most thrilling bungee jumping places in India. While not as high as Rishikesh, the jump height of 42 m is still quite considerable and is actually perfect for novices tackling bungee jumping for the first time. The entire experience lasts for about 7 to 10 minutes. And anybody above the age of 10 and weighing more than 35 kg can participate. An expert will instruct you on safety measures, and you will be a proud owner of a certificate once you’re done.

Bungee Jumping In Bangalore

Adventure-seekers in Bangalore need not look any further than their own backyard for experiencing bungee jumping in India. Specifically, they should head to Ozone Adventures, which offers one of the most exhilarating (and also very safe) bungee jumping in the Bangalore experience. However, there is no fixed platform for you to jump off. In fact, you will need to jump off a narrow landing affixed to the top of a crane that is 39 m above the ground. Participants have to be between 18 and 60 years old.

Bungee Jumping In Goa

Goa has something for everyone. Of course, it is better known for being a paradise for relaxed beach babies, but it also has plenty of provisions for adventurers, such as bungee jumping and parasailing.

If you’re searching for bungee jumping in Goa, head straight to The Gravity Zone near Anjuna Beach. Standing at 25 m tall, it is sure to be a thrilling experience when you jump off that platform. Other beaches, such as Calangute and Baga, also are full of operators offering a good bungee jumping experience.

Bungee Jumping In Jagdalpur

Jagdalpur, located in Chhattisgarh, is a little bit out of the way for most tourists, but it does offer a thrilling experience and the best bungee jumping in India. The jump site has a height of 30 m and promises an awesome adrenaline rush.

Things to know before bungee jumping

Taking the plunge affects your body. With you falling head down and bouncing around for a little at the end. Hence, it is strongly recommended that you don’t eat immediately before bungee jumping. And especially you should not have a heavy meal before it, as you do not want to puke up mid-air.

When you’re flying, you don’t want your fabric flailing around. Wear loose, comfortable clothing that does not fly up. This can include garments like shorts, t-shirts, cargoes, and so on. Also, make sure your shoes are firmly tied. Let’s face it; you don’t want them to fly off. Without a doubt, don’t bring any valuables with you!

This one is a no-brainer, but if you don’t have confidence in your instructor, you’ll never be able to take the leap! First, familiarize yourself with bungee jumping and its protocol. Next, listen to your instructor. Because they are trained professionals with knowledge of what’s best for you.

Last but not least. Standing on the precipice may make even the bravest of hearts nervous. The wisest course of action is to avoid looking down into the wide chasm. To keep your nerves in place, look straight ahead. Or you can close your eyes right when you are about to drop.

Found the best place for bungee jumping in India?

Finance an adventure trip of a lifetime with a travel loan from Tata Capital. Getting a personal loan from Tata Capital, especially a loan for travel, is now a cakewalk due to minimal paperwork, fast disbursement of the loan amount, and an easy repayment plan.

Tata Capital Personal loan Interest rates start from 10.99%, with a flexible EMI option available. So, what are you waiting for? Apply for a personal loan and start planning your dream trip for the highest bungee jumping in India!

Top 10 Resorts of Sydney for a Peaceful Vacation with Your Family

Being known as one of the largest cities of Australia, Sydney is home to many tourist attractions. Fascinating music, buzzing crowd and delicious food make Sydney an ideal holiday destination. A vacation in Sydney with family is a dream for many travelers. With the help of a loan for travel, you can easily fund your travel and vacation expenses. Ranging from luxury resorts to budget ones, the city has a lot to offer when it comes to accommodation. Here’s a list of the best resorts in Sydney for a luxurious and comfortable experience.

1. Fairmount Resort

The Fairmount Resort is one of the best luxury resorts near Sydney. The luxurious rooms in this resort are equipped with modern amenities. The upgraded rooms in this resort also come with their own private courtyard and ground access. You can also find the name of this resort in the Sydney travel guide. The top floor suites have spa baths and private balconies as well.

2. Hyatt Regency

If you want to unwind and rejuvenate, then the Hyatt Regency is the best resort. Rated five stars by many leading travel agencies, this resort is one of the luxurious resorts in Sydney. Due to its elegant architecture and prime location, it is one of the best places to stay in Sydney. The rooms are artistically designed so that you can have a peaceful stay. It also has a rooftop bar which gives you beautiful views of the harbor.

3. Crowne Plaza

If you want to stay in a resort which has an opulent ambience, then the Crowne Plaza is your appropriate choice. It comprises of comfortable rooms which would allow you to relax with your family. This resort also has a plush spa which has well-trained staff and well-equipped treatment rooms.

4. Mercure Resort

The Mercure Gerringong Resort is one of the best resorts in Sydney. It is situated at a distance of 1.2 kilometers from Werri Beach. One of the best travel tips Sydney is to reserve a room in this opulent resort and experience the luxury. You can also savor the delicious cuisine and some of Australia’s best wine at the Bella Char Restaurant located within this resort.

5. Oaks Cypress Resort

It is an upscale golf resort which is located in the serene Hunter Valley. When it comes to privacy, opulence and luxury, this resort is one of the best options. The modern villas within this resort have one to four-bedroom features and are equipped with all modern-day amenities. It is one of those resorts where you can relax by the three outdoor pools.

6. The Retreat

If you want to enjoy a heart-warming welcome treat, you can opt for The Retreat, which is located by the side of the Hawkesbury River. It is one of the best Australian resort for families as well as couples.

7. The Lilianfels Resort

This resort is situated in Australia’s most serene regions, i.e. in the Blue Mountains. It is a sanctuary for nature lovers. It is gloriously Victorian which would make you fall in love with it. It overlooks the picturesque Jamison Valley.

8. The Echoes Hotel

This luxurious hotel is located on the verge of the Jamison Valley. The scenic beauty is one of the best things about this hotel. Opt to stay at this picturesque valley to enthrall your senses.

9. The Four Seasons Hotel

If you want to have an indelible imprint of the beautiful views of the Sydney harbor, then this place is appropriate for you. It is one of the best family hotels, and you can count on the hospitality of this majestic hotel.

10. The Hilton in Sydney

If you want a luxurious and spacious resort in Sydney, then opt for The Hilton. With the help of a travel loan, you can enjoy the versatile amenities of this resort. The marble bathroom with an open spa is the main attraction of this resort.

All these resorts best resemble a wonderland in our imagination. You may opt for a personal loan for a Sydney vacay to ensure that your dreams don’t cost you a fortune. Apply for personal loan today from Tata Capital and have the best experience ever!

Top 10 Bizarre Cuisines to Try When in Asia

When it comes to the best places to travel in Asia, it is imperative to plan well. No matter which destination your Asia travel guide suggests, do not forget to taste the weird Asian delicacies. From Korean BBQ to Teriyaki, Asia is rightly called a food lover’s paradise. However, Asia is also known to have some bizarre cuisine, which can challenge even the most passionate food lovers. If you’re brave enough and ready to taste it all, then here are the top 10 bizarre cuisines to try when in Asia.

1. Chicken Feet

Chicken feet is not only a popular Asian delicacy but is also quite famous in Peru and Mexico. Sure, it’s all chicken, but it’s all doused skin and fibrous ligaments. So are you eager to treat your taste buds to this one?

2. Balut

It is a Filipino delicacy that comprises inseminated egg that is simmered alive and relished in the shell. One of the best travel tips Asia is to try out Balut, a delicious food item which you can’t ignore.

3. Century Egg

If the above-mentioned Filipino delicacy is too fresh for your tastes, try this food from China. The eggs are derived from ducks or quails and are conserved in an alkaline solution for an extended period. Unarguably one of the best places to visit in Asia, China is the land of exotic cuisines. The century egg has a weird cream-jelly texture, which makes it one of the strangest foods.

4. The Habu Sake

Have you ever heard snakes being kept submerged in sake jars? Japanese winemakers keep snakes submerged in wine and let them sink! It makes the snake release venom in the liquor to create a unique drink, which increases the male potency.

5. Hachinoko

If you are an ardent fan of honey, then there are high chances that you will like this strange Asian food! The larvae of the bees are seasoned and cooked, but its crunchy taste may seem odd to you.

6. Beondegi

Beondegi usually means pupa in the Korean language. They are typically boiled or steamed and then conditioned by vendors. Avail a loan for travel to visit Korea and enjoy this weird food delicacy.

7. Crackers Embedded with Wasps

It is an innovative Japanese dish where wasp catchers boil them, dehydrate them and then throw them in the cracker dough all because of protein! Sounds weird, isn’t it?

8. Soup Made from Eggs of White Ants

Eggs of white ants are a popular delicacy in Southeast Asia, and they are often used in soups. You can also find partial embryos and baby ants in this kind of soup.

9. Inago

If you want to add a relishing crunch to your bowl of rice, then the Inago is the appropriate food item for you. Inago comprises seasoned Japanese grasshoppers and crickets.

10. Basashi

Also referred to as raw horse meat, it is low in energy, cholesterol and fat. However, it is quite rich in protein, and this is why it is the most loved food item in Japan.

Good vacation with a travel loan is something which everyone deserves. So it should only make sense that you travel to a destination which would rejuvenate your mind and body and give you a break you very much deserve. Tata Capital’s personal loan is curated for all your travel needs without any collateral. So go ahead, apply for personal loan from Tata Capital and taste the weirdest cuisines of Asia.

Tips for Creating the Perfect Travel Itinerary

As any trip planner or travel guide would agree, there is a bit of both art and science in creating the perfect travel plan. Thus, as the itinerary planner, you have to mix judgment with research. So here are a few tips on how to create the perfect travel itinerary. Take a look:

Look within

You have to identify the kind of traveler you are and then plan the itinerary accordingly. Are you a happy-go-lucky traveler or a perfectionist? This will decide the way you approach a vacation.

How much is too much

You may be more comfortable planning the entire trip to the minutest of details, or you can manage with a simple broad outline. Too much planning can put unnecessary pressure on your vacation. Too many items in the “to-do” list will end up making your travel plan look like a hectic day in the office instead!

Additional Read: Want to plan a dream vacation? Here’s how

Listing down the details

With the internet as your primary tool and by seeking help from a tour guide, you can get a list of all the things that you want to do or see while you are on your vacation. You will have to further narrow it down to the available days and group them location wise. You will also have to research the public transport schedules and availability, the stay, and even a few words in the local language, perhaps.

Mapping it all in

Once you have all the details of your destination, you can go ahead and plot it on a map for more clarity. This will tell you which places to visit on which days and how the various locations can be grouped together. Remind yourself to keep an offline map so that you can navigate even if you don’t have internet access.

Events and activities

Find out if any events are going on during your stay. If you are visiting Goa in December 2020, you shouldn’t miss the Goa Sunburn Festival. Similarly, Oktoberfest is a must-visit if you are in Germany during October. Find out if you can get involved in some local activities so that you add a more authentic flavor to your visit. If you are visiting the Bengal countryside, a day with the terracotta potters will give you a unique experience.

Additional Read: A Guide To The World’s Biggest Events of 2020

Cooling off period

It is never a good idea to have a jam-packed itinerary to be covered at a breakneck speed. It will only leave you exhausted, and you will not be able to sit back and relax. Therefore, take a day or two off and soak in the surroundings that you are in – it can go a long way in making your trip memorable.

Tata Capital personal loans allow you to fulfill your travel aspirations with their personal loan for travel. With finances in place, plan the perfect itinerary and create some ever-lasting memories.

Tips on Planning the Budget for Your Travel Plan

As any experienced trip planner will tell you, it is best to start early and take all things into consideration while working on your travel plan. To plan your trip correctly, you need to have a well-planned budget in place. You must consider the following expense while chalking out your travel plan:

Transportation

When it comes to the actual travel plan, the transportation cost is often the most sizeable. Air tickets can be booked several months in advance. You have to keep track of the price fluctuations and book when the price is right according to your budget. A tour guide or travel guide can also get you cheaper tickets.

The transportation expenses continue even after you land at your destination. The taxi fare to the hotel, public transport fares and onward journey prices are other transport expenses that you will incur during the course of your vacation. You must keep in mind all these transportation expenses to chart out the perfect plan.

Accommodation

Lodging is another significant travel-related expense. However, unlike airfare, you have more options to choose from when it comes to accommodation. Either you can pick a free stay option like Couchsurfing, or you can opt to stay in homestays, hostels, serviced apartments or luxury hotels, depending on your budget. An itinerary planner will help you land excellent deals on your hotel stays, enjoying best stay experiences at cut-price deals.

Additional ReadWant to plan a dream vacation? Here’s how

Food

Food is a tricky area in terms of planning. There is no lack of variety when it comes to food, and it all depends on what you want to eat. Food is a great way to learn about local culture, and you shouldn’t miss out on local specialties. However, you can make sure that you don’t end up spending too much by looking out for reasonable eating options instead of visiting touristy places.

Activities

Scuba diving in beach destinations and paragliding from hilltops are the kind of activities that make vacations memorable. Activities are important to make a vacation more complete, but it can also be the area where you end up spending a lot of money.

Additional Read: What are The Different Ways To Fund Your Travel Plan?

Unavoidable expenses

There are expenses that you will incur on visa application, insurance, medical check-up and vaccinations. These are expenses that you simply cannot avoid. Any vacation planner would tell you that it is not advisable to avoid expenditures like insurance as safety shouldn’t be compromised.

No matter how much you end up spending, Tata Capital is there to help you with your travel finance requirements with its convenient range of personal loan products. So without worrying too much about the finances, get into some thorough planning and research to develop a budget that is tailor-made to make your trip a memorable one!

Things That Will Come Handy While You’re Traveling Abroad

When you are traveling overseas, you could feel the need for things that you wouldn’t have thought while drafting your travel plan. Any vacation trip planner or even a road trip planner would benefit from this list of things that will come handy while you are traveling abroad. Take a look:

Universal adapters

Many countries have different types of adapters. For example, an Indian adapter wouldn’t fit into the electric panels in the UK. It makes sense to carry a universal adapter to charge your devices.

Raincoats

It’s wise to keep one handy if you are visiting places that experience heavy or unexpected rainfall.

Shoes

Keep a pair of shoes that matches the activity you are most likely to do – be it walking, trekking, driving, etc.

Additional ReadWant to plan a dream vacation? Here’s how

Sleeping bag

This will help you if you don’t get proper accommodation or if you are planning to stay outdoors in a tent.

Toiletries

Keep all the toiletries, such as soap/body wash, shampoo, toothpaste, etc., that you regularly use in a pouch and carry it along wherever you go.

Basic medicines

You can keep a few medicines for the common ailments that you may suffer from – be it stomach ache or a sore throat.

Towels

It’s best to carry your own as a towel is something very personal and a must-have if you’re not too keen on using the ones given in hotels.

Map

A paper map of the place you are visiting or an offline copy of it in your handheld device will help you navigate better in any new place.

Glasses

Make sure to carry your sunglasses or spare ones for your eyesight. Similarly, contact lenses and contact lens solutions for those who use them instead of glasses.

Additional ReadTips On Planning The Budget For Your Ideal Travel Plan!

Locks

A padlock will help you keep your belongings safe. It is a must-have if you are planning to stay in shared accommodations or using public transport for a prolonged duration.

Spare mobile phone

An extra mobile phone will be of great help if your regular one is lost, damaged or doesn’t function properly. Don’t be stranded without a mobile phone in a foreign land.

Credit/debit cards

Get an international card that suits best for overseas usage. Look out for the foreign transaction fee and overseas ATM withdrawal charges for smooth usage and ease of transactions.

The hallmark of a good holiday trip planner is that you should be able to pack diligently. Don’t forget that you will need foreign currency too. Loan products from Tata Capital are available at the click of a button, ready to fuel each of your travel ambitions. Reach out to them today should you need financial assistance in planning your dream vacation.

Most Beautiful Places in the World you Need to Visit

The Coronavirus pandemic might have sabotaged our travel plans  in 2020. But if you want to make the most of 2021 and see some breath-taking sights, you’re in luck! With domestic and international borders opening up to tourists again, you can finally take a trip to the most beautiful places in the world safely.

Here are the top five recommendations for a ‘travelicious’ 2021.

Kirkjufell Mountain, Iceland

If you ever wanted to feel like you were in a sci-fi movie, then a view of the Aurora Borealis or Northern Lights will surely thrill you. The colourful dance of light is a celestial spectacle visible from very few places on earth.

Moreover, the remote expanse of Iceland with glaciers, geysers, massive waterfalls, and volcanoes will give you a feeling like nothing else.

Sikkim, India

If you’re searching for the safest places to visit in India, you must consider Sikkim. The north-eastern region of the country has been working tremendously in curbing infections and has displayed excellent results. With safety in check, you can enjoy rich biodiversity, majestic waterfalls, and green vistas in Sikkim.

You can also catch a view of the mighty Himalayas and trek to the Kanchenjunga base camp for an unforgettable experience!

Okavango Delta, Botswana

The story of Adam and Eve was probably scripted here. The 45 million-acre Okavango Delta with expansive Savannah Grasslands is home to the ‘Big 5’ and thousands of other flora and fauna species that will make you almost believe as if you were in a National Geographic show.

Additional ReadWant to plan a dream vacation? Here’s how

Milford Sound, New Zealand

Want to experience what life would be like in The Shire? With the help of a travel loan, live out your Lord of the Rings fantasy on the west coast of the island nation, replete with misty mountainous fjords, placid blue lakes and picture-perfect beauty. One of the safest countries in the world, New Zealand is the perfect destination for the travelling recluse.

The Azores, Portugal

About 2500 kilometres off the coast of Lisbon is the virgin autonomous archipelago of Azores, bang in the middle of the Atlantic Ocean. Literally in the middle of nowhere, the small islands with steep volcanic ocean-side cliffs, tea plantations, colourful flora, vibrant forests with scattered waterfalls are what dreams are made of. Azores is undoubtedly one of the most amazing places in the world that should be on your bucket list.

Additional ReadTips for Creating the Perfect Travel Itinerary

Plan it right

Many of these spots are untouched by the urban chaos, and that is why they remain as pretty as ever. While you may not get your fancy cappuccino or Wi-Fi here, the unimaginable peace will provide for some much-needed comfort.

If the prospect of travelling to these places has you tempted already, plan your trip with Tata Capital’s loan for vacation. You can customize your personal loan for travel and structure your budget with the help of a travel loan calculator. Besides, you don’t need to worry about the EMIs as we offer competitive personal loan interest rates.

So, it’s time to chart the itinerary and pack your bags for an epic adventure!