Essentials for home office set-ups:

   1.  Laptop

An efficient and fast laptop is of the highest importance when it comes to choosing work from home essentials. Laptops these days are very advanced and feasible at the same time. An efficient laptop must have the following specifications:

• Ample storage for all your office documents and files 
• High resolution for a sharp and visible screen 
• Must be light-weight and comfortable 
• Long-lasting battery life for uninterrupted usage
• A well-functioning camera for video calls 
• USB ports and HDMI jacks for presentations and file transfer
  

The ASUS Vivobook Laptop, for instance, comes at an affordable price point and is a fantastic all round laptop that provides all the features you would need for maximum productivity while working from home.  2GB RAM coupled with 500GB internal storage ensures speed and ample space for all your work documents. Moreover, its 10 hour battery life ensures you won’t miss a single meeting even if the power had to go off at home. Here are more reasons why it deserves a spot in your wishlist:

Price: Rs.17,990* on Flipkart

No-Cost EMI: Rs. 2269/month* for 9 months

Additionally, some of the best laptops under 20000 and 30000 sport higher end processors, larger storage and RAM capacities. But if you’re worried about the price point, ZestMoney has got you covered with their 0 interest EMI option. Make the best work from home laptop easily affordable to you with ZestMoney today!

    2.   High-speed internet

All home office set-ups require fast internet connections. With many phone carriers offering affordable Wi-fi connections, investing in a good WiFi router that offers a good speed and large range can help with a seamless work experience. Due to COVID-19, client and office meetings have all become virtual, therefore high-speed internet connectivity can help provide quick access to files and data online, and ensure uninterrupted virtual meetings, speeding up your overall productivity. 

The TP-Link Archer AX10 Wi-Fi router is one of the best wifi routers under 5000 in the market today. Featuring a triple-core CPU and speeds of up to 1500Mbps, the TP-Link Archer is ideal for small 2 or 3bhk houses.  

Price: Rs. 4,999 on Flipkart

    3.  A Sturdy desk:

A sturdy desk is one of the most important items in a home workstation. A sturdy home office desk serves well for organizing your electronics, files, books and other items. Research has shown that, often, when home office desks are disorganized, it can decrease the person’s ability to focus. A clutter-free workspace helps in freeing the mind to focus on more priority tasks for the day. Work desks ideally need to be  sturdy, durable and have ample storage space to accommodate electronics like a laptop, monitor, mouse and even notebooks where you can comfortably write without the desk moving or squeaking around. If space is what you require, you can also invest in smaller desks with shelves to compartmentalize your items. Additionally, look for desks with smooth and dark finishes. Desks with lighter shades are difficult to maintain, especially, in case of accidental spills or scratches. Explore brands like Royal Oak, Amazon, Home Centre etc that have plenty of options for work from home furniture, wherein you can purchase with ZestMoney 0 interest EMI as well! 

The Nixon Fumed Oak Convertible computer desk is a sought-after desk for working professionals. It is sturdy, compact and user-friendly, and yet comes with ample storage space for whenever you require it. Great for those who have a small office room in their homes that they prefer not to overcrowd. 

Nixon Fumed Oak Convertible Computer Desk Features:

• 2 Easy to open horizontal shelves 
• Melamine-faced chipboard with fumed oak finish 
• Can convert the table into a display/storage unit 
• 5 open shelves 

Price: Rs.11,797 on Homecentre

No cost EMI: Rs.1488/month* for 9 Months

     4.  A Comfortable Chair:

Today, most jobs involve long durations of sitting in front of a monitor. Such jobs lead to a sedentary lifestyle, which can cause aches and pains in your back. Sitting on the bed, or a seat that is cosy with cushions may not be the best option as it does not allow for an ideal spinal posture. Having an uncomfortable chair in home office set-ups can increase the number of breaks you take due to regular bouts of bodily pain. In the long run, it can affect both your posture and performance. Therefore, investing in good work from home furniture like ergonomic chairs can ensure utmost comfortability while protecting your back muscles and posture in the long term. Chairs with lumbar support and adjustable heights are the perfect addition to home office set-ups. They provide support for your back to be upright without causing any pain. You can purchase WFH furniture from popular brands like Home Centre, Urban Ladder, Royal Oak, Wooden Street and more such sites using Zest Money. If you’re worried about the budget, create a fantastic WFH set-up through Zest Money EMI that makes furniture, electronics and other products instantly affordable to you with 0 interest EMI.  

One example of a fantastic ergonomic chair for WFH is the Helios Ergo High Back Office Chair. And here are a few reasons why it needs to run to your cart: 

Helios Ergo High Back Office Chair Features:

• Revolving chair with an upright position and tilt tension adjustment 
• Adjust the seat height up to 100mm 
• 5-star Nylon base with sturdy prongs for balance 
• Support for the head with polyurethane foam 
• Armrest with PU pad

Price: Rs. 9450 on Homecentre

No cost EMI: Rs.1192/month* for 9 months

   5.  Bluetooth Earphones/Headphones:

Bluetooth headphones make a great addition to any home office set-up. Nowadays some of the best Bluetooth headphones under 2000 come in stylish designs and sport fantastic audio and microphone quality. Moreover, Bluetooth earphones enable you to move freely in the house without having to worry about excessive cable management like unplugging/tugging earphones from your laptop each time. Take work calls with ease and listen to music to boost productivity as well. In any WFH setup, a good audio device is of utmost importance because of the increase in online meetings. Many Bluetooth headphones also come with external noise eliminators built in their microphones to eliminate excess noise or disturbances in the background. Bluetooth headphones have become smart and futuristic audio devices where without shelling out a lot of money, you can still enjoy the experience of good sound at home.

For instance, here is why the Sony WH-CH710N wireless Bluetooth headphones are a worthy WFH investment. 

Sony WH-CH710N wireless Bluetooth Headphones Specifications:

• 35 hours battery life upon a single charge 
• Noise-cancelling headphones
• Comfortable ear-pads with in-built mic 
• Voice assistant with google 
• Even when the battery runs out, you can use it with an AUX cable 

Price: Rs. 8,990 on Amazon 

No-cost EMI: Rs. 1134/month* for 9 months

You can find several options for your WFH setup on Flipkart, Croma, BoAT, and more. Simply buy the pair that you like the most using Zest Money with 0 interest and 0 downpayments!

   6.  Desk lamps:

There are days where the deadline might be very tight and you might need to work overtime to meet it. Or perhaps you work night shifts, or maybe you’re a night owl freelancer. Desk lamps are ideal for these situations as they allow you to work at night without disturbing any other members in your home. While they consume less power than tube lights, desk lamps in your WFH set-up also allow you to shed light on just a particular area, for example, a notebook or the keyboard minimizing eye strain from brighter tube lights. Desk lamps just like electronics nowadays have become very intuitive and come with voice recognition and smartphone compatibility that allows every user to customize their lighting according to their preference.  

The Mi Smart LED lamp is a smart desk lamp that makes an exquisite addition to your home office set-up. Apart from its minimalistic design, it features smartphone compatibility and voice control enabling you to customise the brightness and colour temperature in just a few clicks. Here are some more features of the Mi Smart LED lamp that make it one of the best WFH essentials. 

Mi Smart LED Lamp Features:

• Mobile App control
• Adjustable Color Temperature
• Easy knob control
• Foldable Design
• Voice Control: Works with Amazon Alexa and Google Assistant
• Adjustable Brightness

Price: Rs.2,499 on Amazon

ZestMoney makes some of the best WFH gadgets even more affordable for you through 0 interest EMI! Purchase your favourite desk lamp from brands like HomeCenter, Amazon, Flipkart, Croma with Zest EMI today! 

   7.  Stationary:

While it is the era of digitalisation, the satisfaction of taking notes during meetings with a pen and paper is still prevalent. According to studies, notetaking has been known to stimulate better recall. Adding simple stationery to your WFH setup such as a diary, a notepad, pens, stapler, paper clips etc can help you easily organize your files especially when you need to refer to them in the future. They also come in handy during meetings or brainstorming sessions. When you are taking a break, try not to resort to social media or TV again, rather explore an activity where your retention capacity  will not be affected. For example, journaling, doodling or painting are great break-time activities that help relax your mind, yet keep your brain active and productive. ZestMoney has partnered with many stationery brands like Crossword and William Penn and even Amazon and Flipkart where you can buy your stationery in bulk on 0 interest EMI and 0 downpayments!

   8.  Water bottles:

Staying hydrated especially when spending hours in front of a computer working is key to optimum health. Therefore, home office set-ups are incomplete without water bottles. Our tendency to get so engrossed in work especially when we are working from home is high. So much that we even forget to eat on time and keep ourselves hydrated. A water bottle may seem like an item that can be given low priority, but keeping a water bottle on your home workstation can do you wonders. Firstly, keeping the body hydrated can reduce fatigue caused by multitasking and looking at screens for long hours on end. They also save the time that you spend on water breaks. And why not spruce up your drinks? Instead of just water, try adding a few slices of orange, lime, cucumber mint, strawberries or blueberries etc to keep you energized throughout the day. Buy edgy and durable water bottles on Decathlon, Home Centre, Myntra etc. 

    9.  Other work from home essentials:

Include essentials that can create an aesthetically pleasing environment for you to work in. For example, Rubik’s cube, few scented candles, posters, books and photo frames are all good additions to home office set-ups. Many professionals have noticed that having few table-top plants can lighten up spirits and inculcate discipline into one’s lifestyle. Your home office desk is your space, it is a free canvas for you to express yourself. So go ahead and create an ambience you think you’ll be most productive in. Myntra, Home Centre, Flipkart and Amazon have some great work desk accessories that you can purchase using Zest Money! So what are you waiting for? 

Zest Money allows you to purchase your favourite electronics and WFH furniture without burning a hole in your pocket. You can sign up with zest and buy laptops and Samsung, RedMi, Refurbished iPhones from top brands without a credit card using EMI. Sign up with ZestMoney and follow these simple steps to unlock your credit limit:

• Complete your profile on the ZestMoney website and find out your eligible credit limit
• Activate your credit limit by filling out your KYC details & setup automatic repayments to start using your credit across 1000+  of our merchant partners
• Pay with ZestMoney EMI by visiting our merchant partner and paying using your available ZestMoney credit limit
• Then choose your no-cost EMI options across our retail partners and pay for your purchase in instalments. A debit card or a bank transfer can be used to repay your dues.
  

Start shopping with ZestMoney and experience the benefits of shopping on 0 interest EMI today! 

The post Essentials for Home Office Set-Ups in 2021 That Boost Productivity appeared first on ZestMoney.

 https://zestmoney.in/shop-smartly/best-places-to-visit-in-goa-2022/

1. Varca Beach, Goa

Located in the South of Goa, Varca Beach is only a ten-minute drive from the town of Benaulim. The beach is close to two kilometers long and is characterized by its clean white sand, as well as black and red lava rocks. Since this beach is so safe, it is also one of the best solo trips for women. Although the beach is completely hawker-free, there are numerous shacks that serve up delicious Goan fare. Varca Beach (consistently ranked amongst the most beautiful beaches in India) is perfect for tourists looking to take a swim, stretch out in the sun, and get a tan going, without having to put up with the tourist masses that throng other popular Goan beaches. 

Book a stay at Zuri White Sands Resorts and Casinos on Makemytrip to make your vacation to Varca a trip to remember. 

2. Agatti Beach, Lakshadweep

Despite the fact that tourists require special permission to visit Lakshadweep, going through the red tape becomes worth it as soon as one lays their eyes on Agatti Beach. With its turquoise blue colored waters and gentle waves, Agatti Beach is the quintessential snorkeler’s delight. Other water sports prevalent at Agatti Beach include parasailing, surfing, and scuba diving. It is widely recognized as the cleanest beach in India. Tourists also rank it as one of the most beautiful beaches in India year after year.

Book your stay at Seashells Beach Resort on Makemytrip, for the perfect base from where you can explore the beautiful beaches of Lakshadweep.

3. Murud Beach, Mumbai

Murud beach which is roughly a hundred kilometers from Mumbai is located in the town of Dapoli. Apart from the stunning palm tree lined landscapes, there are diverse watersports adventures to be had at Murud Beach. One can also head into town to sample the variety of scrumptious, Maharashtrian seafood dishes. On occasion, visitors to Murud Beach are also treated to encounters with friendly dolphin pods. It was a very popular destination for Britishers during the heyday of the British Raj, who recognized it as one of the most beautiful beaches in India.  

Book your stay at Golden Swan Beach Resort on Yatra for a comfortable stay that your whole travel squad will love. 

4. Paradise Beach, Pondicherry

Paradise Beach (one of the most famous beaches in India), or Plage Paradiso as it was named by the French, is located in Chunnambar, which is only a short distance from Pondicherry. This beach is known for its pristine water and sand which gleams bright golden during the summers. There are ferry rides that take tourists to the beach from the boathouse and through the backwaters. These ferry rides which last around thirty minutes are highly sought after by bird watchers and photographs from all over the world. This is owing to the fact that the thick mangroves that the backwaters wind through are home to many of the rarest species of birds on the planet.

Book your stay at the gorgeous Le Pondy Beach Resort on Makemytrip for a luxurious holiday getaway. 

5. Radhanagar Beach, Andaman and Nicobar Islands

Radhanagar Beach, also referred to as Beach No. 7 by the locals, is located on the West coast of Havelock Island. Despite this crescent-shaped beach’s reputation as a popular tourist spot, it hardly ever gets crowded because it spans over two-kilometers. There are beach beds and showers spread across the beach, making it one of the most famous beaches in India for tourists looking for a great tan while enjoying the solitude and stunning sights. Elephants are also known to make appearances at the beach, from time to time. Hotels in Andamans tend to be on the pricey side, but with ZestMoney, hotel bookings are now one of the lesser-known things you can buy on EMI!

Book your stay at Symphony Samudra on Yatra. Located in the heart of the capital city, Port Blair, this hotel is the perfect spot from where you can explore the beaches and city life alike.

6. Varkala Beach, Kerala

Varkala Beach also known as Papanasam Beach by the locals, is roughly ten kilometers away from the quaint little town of Varkala, on the outskirts of the district of Thiruvananthapuram. The waters of the beach, as well as the natural springs nearby, are said to have not only medicinal and therapeutic but also soul purifying properties. Locals believe that taking a dip in these waters facilitates the washing away of their sins. Along with the numerous Ayurvedic spas, remarkably affordable beach resorts and restaurants, the picturesque, red laterite cliffs make Varkala Beach an excellent spot for tourists keen on meditating in peace and practicing their yoga.

Book your stay at The Gateway, Varkala on Makemytrip. This luxurious resort in Varkala is one of the best stays this beach destination has to offer. 

7. Kashid Beach, Maharashtra

Apart from the bevy of watersport adventures and delectable seafood dishes to indulge in, tourists to Kashid Beach can also pay a visit to the Janjira Fort (located around twenty kilometers from the beach) which was built sometime during the 15th century AD, the Revdanda Beach Fort (fourteen kilometers from Kashid Beach) which was built by Portuguese settlers in the 18th century, and the Phansad Wildlife Sanctuary (ten kilometers from Kashid Beach) where one can catch glimpses of numerous rare species of reptiles, birds, insects, and plants in their natural habitat. With waves that reach up to six feet, this beach is also one of the most popular and most beautiful beaches in India for surfers from across the globe.

Book your stay at Nargis Farm resort on Yatra. This is a wonderful stay for both families and friends.

8. Malpe Beach, Karnataka 

Only a fifteen-minute drive from the town of Udupi, Malpe Beach is vastly unknown (except by locals) and quite secluded. Back in the day, Malpe used to be one of Karnataka’s biggest and most prosperous ports. Tourist attractions include banana, and speed boat rides; jet skiing, parasailing, surfing and speed boat cruises to St. Mary’s Island, which is one of the four rocky islands close to Malpe beach. Going on a speed boat cruise to St. Mary’s Island, also known as Coconut Island because of the prominence of Coconut trees, is an absolute must for tourists wishing to go on a trekking adventure as well as white river rafting. It is also one of the very few beach destinations in India to offer free 24×7 Wifi access. 

Whether you’re keen on visiting the cleanest beach in India or the beach with the most attractions and water sports adventures on offer, you’re sure to find one or more of the most beautiful beaches in India best suited to your liking from this list. Is your budget the only thing stopping you from booking your beach holiday? With ZestMoney, you no longer have to worry about this! Sign up now for ZestMoney to get your credit limit. You can use this credit limit on our travel partners such as Makemytrip, Yatra and Pickyourtrail. 

The post Best places to visit in Goa appeared first on ZestMoney.

There is much expected of the new smartphones 2020 list: with better cameras, economical prices and many more features making for a promising look. The new phone list includes high-end as well as mid-range models, ensuring you will find one in your budget. If you’re planning on changing phones and upgrading your life, the upcoming mobiles in 2020 will definitely convince you to. If you are in a fix about whether you can afford to upgrade your phone or not, don’t worry ZestMoney has you covered with easy EMI options for smartphones. 

So, here is a complete list of the best upcoming phones 2020:

One Plus 8

As always, the OnePlus brand promises good value for money. The OnePlus 8 and OnePlus 8 Pro models are expected to be released in the first half of the year. This upcoming phone of 2020 runs on Android v10 (Q) OS. The Qualcomm Snapdragon 865 Chipset powers it, and if this hasn’t convinced you yet, the 8 GB RAM and 128 GB internal storage definitely will. 

Xiaomi Mi Note 10

While the Redmi 8 Pro and Redmi K30 Pro are also expected this year, the most anticipated model is the Xiaomi Mi Note 10. The phone features a 108MP camera, and the single photo resolution can go up to 12032 x 9024 pixels. The sensor on the camera is one of the largest in the markets, making the Note 10 and the Note 10 Pro surpass numerous other models in terms of camera quality. This is definitely one of the best upcoming phones of 2020. 

Google Pixel 5

Pixel 5 is expected to be released sometime around October 2020. The unveiling of the phone usually happens sometime around Google’s autumn event, which is what we expect this year as well. Pixels are known to have the best cameras in the market. However, Pixel 4 and 4 XL fell short by a few other features, which Google is assumed to have rectified in the Pixel 5. With fingerprint scanners, better batteries and ultra-wide lenses, this may just be the best new smartphone of 2020. 

iPhone 12

What is a year without an Apple release? Apple is expected to bring out 3 models of the iPhone 12 this year, so make sure to add these as options on your new phone list. iPhones are expected to have varying sizes of screens. The smallest model, likely the iPhone 12, will bear a 5.4-inch display. The next one, iPhone 12 pro will sport a 5.9-inch screen, and the largest, the iPhone 12 Pro Max, will have a 6.4-inch screen. While the sizes vary, they will have almost the same specifications and features. The phones are expected to launch in the second half of 2020. An iPhone can be a very expensive purchase, but with no-cost EMI on smartphones, it can be more affordable.

Samsung Galaxy Z Flip

One of the first flip phones in the modern smartphone market, Samsung Galaxy Z Flip, is to pack a 6.7-inch HDR10+ Infinity Flex screen. It will have a centrally-located hole-punch. This new smartphone 2020 operates on the Snapdragon 855+ SoC with 8GB of RAM and 256GB of internal storage. The main camera also has a 12 mega-pixel, 123-degree field view snapper. This upcoming phone of 2020 is expected to be released sometime in February or early March this year. 

Motorola RAZR

This phone entered the American markets in November 2019, and is expected to release in India soon as well. This, much like the new Galaxy, is a flip model. Even when the phone is shut, the 12 Mega Pixel front camera can take pictures. Like the usual Google phone, the RAZR pairs its camera with smart software, which allows it to take exceptionally good photos. This 6.2 inch screen phone has a 4GB RAM, which might be a concern for some. 

Nokia 9.1 PureView

The Nokia 9.1 PureView and the Nokia 9.2 models are expected in the market very soon. The 9.1 PureView has an Octa Core processor, and works on Snapdragon 855. The 5.99 inch screen phone is the first 5G phone from the company. It will also bear a USB type C port. It is expected to enter the markets around the end of February. 

The upcoming mobiles 2020 list is yet another reason to get excited about the year ahead! In this new decade, technology will advance like never before and the upcoming phones of 2020 are evidence of this. If you are planning on investing in one of these phones but feel that the price is out of your budget, ZestMoney is here to help! Pay for your new phone using no-cost EMI through your ZestMoney credit. Sign up now to get your credit limit and start shopping!

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The post A complete list of new phones in 2020 every technophile should watch out for appeared first on ZestMoney.

Features of washing machine are many in number, with each new model having a unique set of features. With a variety of options in the market, it becomes difficult to decide on what is the best specifications for washing machine. So it becomes necessary to compare and contrast these features and decide on the ones that suit your needs and requirements. 

So if you’re moving into a new house, or if your current home washing machine has called it quits and given up on you, and you don’t know where to start on how to buy a washing machine, we have got your back as always and made a comprehensive washing machine buying guide with a list of some of the best washing machine features and some important things to consider before choosing the best type of washing machine for your sweet home.

1.Loading type:

First and foremost step in how to choose a washing machine is zeroing in on the loading type. While the majority of us opt for top-loading washing machines, it is actually the front-loading washing machines that are more efficient. Front-loaders use one-third of energy, water, and detergent requirements when compared to top-loaders. In terms of pricing, front loaders do demand a higher initial investment but eventually save a lot of money on monthly bills. 

This being said, top loaders too, have some advantages to them. Along with being less expensive, they are also ergonomically friendly and tend to clean clothes better while treating them with care. These pros and cons are an important aspect of any washing machine guide to help you choose a home washing machine that suits your needs best.

2.Energy and water consumption:

Energy and water efficiency are one of the most important specifications of washing machine that has to be scrutinised before purchasing. These washing machines are not a necessity but do save a lot of money in the long run. Most energy and water-efficient machines use upto 25% less energy and 33% less water than regular washing machines. Over the lifetime of the product, a significant amount of money can be saved by opting for energy and water-efficient machines. The BEE rating or BEE star rating is a scale of 5. The higher the rating is, the more energy-efficient the machine is. When beginning to search for different types of washing machines, it is useful to check the energy star rating.

3.Capacity and Size:

It goes without saying that capacity and size are two indispensable factors to consider while answering the question of how to choose a washing machine. Depending on the size of the family, you will need to invest in a washing machine that has the drum capacity to fulfil your family’s needs. Most washing machines range from sizes 5 to 12 kgs of dry clothes. For a family of 1-2 persons, a home washing machine of 5-6 drum capacity is plenty while for a family of 4-5 persons, a minimum of 8kg drum capacity is essential. 

It is also important to consider the size features of washing machine with regard to space in the house and the measurement of your doors. A washing machine is not dismantlable and hence can be very difficult to place in your home if you don’t measure or plan a place for it prior to buying it.

4.Fabric Care:

If you want a clear understanding of how to select washing machine, it is important to consider the fabric care of the machine. Although we don’t think about it, a washing machine benefits and actively washes a lot of different types of fabrics. While curtains and tablecloths are thick and woven, bed linens and delicate clothes are thinner and require more care when washing. To get a handle on how to choose a washing machine in the right manner,  it is a good idea to look for different types of washing machines The same goes for regular clothing and party wear. It’s a good idea to look for different types of washing machines that have washing options for all types of fabrics. Otherwise, your more delicate clothes might get ripped or frayed over time.

5.Semi or Fully Automatic:

Speaking of babies, if you have a small child, it is absolutely vital to consider safety options while thinking of how to choose a washing machine. This is especially important if you’re choosing a front-load washer. Children love exploring their surroundings, so a washing machine with a child lock can ensure that they have a safe environment to do so and this is one of the best washing machine benefits.

Additional best features for washing machines:

Hard water processing:

Most areas in India still have only hard water supplied. A regular home washing machine running on hard water develops a whitish salt deposit inside the drum, which hardens and hinders the proper functioning of the washing machine. Opting for a machine that can process and convert hard water to soft water, will make sure your machine doesn’t get damaged in the long run. This feature is one of the best washing machine features you should invest in.

Temperature control:

For baby clothes, small soft toys, and other fabrics that require hot water for proper cleaning and sterilization, and for vibrant and dyed clothing that require cold water, it is better to invest in a washing machine that offers temperature control. Most washing machines provide separate pipes outlets for hot and cold water.

Child lock:

Speaking of babies, if you have a small child, it is absolutely vital to choose a washing machine that comes with a child lock. This is especially important if you’re choosing a front load washer. Children love exploring their surroundings, so a washing machine with a child lock can ensure that they have a safe environment to do so and is one of the best washing machine benefits.

A washing machine is an expensive appliance and can be difficult to pay for through your savings alone. If you’re tight on a budget, you can use ZestMoney to easily pay for your purchase. ZestMoney offers no-cost EMI that lets you make payments without a credit or a debit card. You can also use ZestMoney with a low credit score or no credit score. Simply activate your credit limit by adding your KYC details and use your credit limit across our 1000+ merchant partners. ZestMoney can be availed across all our major websites like Amazon, Flipkart, and Croma. 

Pre-soaking:

If you prefer soaking your clothes in water and detergent before actually washing them, you can even opt for washing machines that offer the pre-soaking feature. This would enable you to leave your clothes in the machine while it fills the tub with water and starts the washing process after the preferred amount of time.

With these tips, you will understand some of the best features for washing machines as well as how to buy a washing machine that best suits the needs of your family!

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The post How to choose a washing machine: 5 easy steps appeared first on ZestMoney.

What are the reasons and repercussions of a low credit score in India?

When applying for a loan, banks require you to complete the KYC process steps and to submit your credit scores. If you credit score happens to be less, these factors might help explain why. 

1. Paying your credit card bills late: Even a slight delay in bill payment can cause your

Even a slight delay in bill payment can cause your CIBIL score to drop. Defaulting on your EMI repayment is another common reason. Continuous late payments will significantly bring down your credit score. With continuous default on payments, it might be difficult to even get an instant loan for low credit score.

2.Reaching your credit limit too often, too soon:

All cards come with a credit limit. Exorbitant spending may create an impression that you spend carelessly and have an issue repaying loans. Lenders will hesitate to give you loans in the future as they might not think you have the discipline to utilize your loan wisely. This is why it’s really important to start saving money and plan your finances.

3. Too many loan applications:

Applying for multiple loans simultaneously raises a red flag for creditors. More loans mean greater amounts to repay which in turn means that you are unlikely to pay your dues in time. Having too many loan applications at once can also hinder the process of getting an instant loan for low credit score.

4. Credit inactivity:

While having a poor credit history can negatively impact your CIBIL score, having no history can actually have the same effect. If the lender has no background information about you, they will be unable to determine whether you are worthy of a loan or not. Since a majority of Indians don’t have access to credit cards, this can create a vicious cycle of loan rejection. An individual without a credit history is not eligible for a credit card, but without a credit card he/she has no credit history. 

How to get a personal loan with low credit score

In a country like India, where we are still transitioning from cash to cards, a credit loan is a big jump. But,what if you don’t have a credit card? Can you still be assigned a credit score? Can you get a loan without CIBIL? or a personal loan with low credit score? And can you take an instant loan for low CIBIL score? Yes you very much can!

Here are a few factors to consider when looking for a low CIBIL score loan provider.

1. Research the lender

The first factor to consider before getting an instant loan without CIBIL is choosing the right lender. Make sure that the low CIBIL loan provider is credible. The last thing you need is to lose your hard-earned money to a scammer. Before deciding on a lender, it’s important to check out their website and credentials. It’s always a good sign if the brand has positive user testimonials as this indicates that others have had a good experience with the lender. It is also important to note that researching a lender is a good practice not just while availing an instant loan for low CIBIL score but also while availing any type of loan.

2. Check the interest rate 

Another important factor to look at while getting an instant loan for low CIBIL score in India is the interest rate at which the loan is being offered. Some lenders might agree to give a loan with low cibil score but at a very high-interest rate. In many cases, you might be charged more than 14% interest on your loan.

3. Look at online lenders

In the last few years, start-ups that use Artificial Intelligence and Data analytics to push people to take loans in the absence of a credit card have come up. These loan providers strongly believe that a low credit score or no credit score should not be a barrier to credit loans, making the process of getting an instant loan for low CIBIL score in India smooth and easy.  Zest Money is one such company that has pioneered the initiative of getting not just an instant loan for low CIBIL score but also a mobile loan without CIBIL score in India. With ZestMoney, all you need to do is complete your profile and sign up. Once you create an account, ZestMoney uses AI and analytics to assign you a credit limit. This credit limit is based on the KYC, PAN and other details, including past transactions and online shopping behaviour. You can use this credit to take a personal loan without CIBIL score.

With ZestMoney credit limit, you can go on a shopping spree across ZestMoney partner websites. You can buy laptops, smartphones, insurance loans, holiday packages and so much more without a credit card. A no-cost EMI option is the gateway to card-free payments. There’s no need to worry about your credit score. The process of getting a mobile loan without CIBIL score is nothing short of simple and quick with ZestMoney.  You can easily get a personal loan without CIBIL score or a personal loan with bad CIBIL.   It’s much faster to attain an instant loan for low CIBIL score this way than to traditionally build up CIBIL scores.

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You don’t have to invest in expensive equipment like the best action camera that professional vloggers use to kickstart your YouTube channel. Infact, there are several vlogging cameras for beginners from great brands that can do the needful. If you are having a hard time figuring out what needs to be bought, we got you! Apart from an eventful life and a quirky internet personality, a YouTube vlog camera also needs to be factored into your budget for a beginner in the vlogging arena. We have a comprehensive list of best vlogging cameras under 20K that are easily usable and within your budget!

Best Work From Home Laptops in 2021:

• HP 15 DA3001TU – Best Budget Office Laptop

• HP 15s DU3047TX – Best Laptop for Business and Personal Use 

• Dell Inspiron 3501 i3 10th Gen – Best Office Laptop
• Mi Notebook E14 E-Learning Edition – Best Value for Money WFH Laptop
• HP 14s ER0003TU – Best Professional Laptop

   1.  Sony Cybershot DSC H‐300

    HP is known to make some of the best laptops under 30000 in the market especially in a variety of models with specifications that cater to individual needs. The HP 15 DA3001TU is one such model that suits all the work from home laptop requirements at an affordable price point. Featuring a large 15.6” LED display and powerful processing speeds its most sought after by working professionals on a tight budget. It offers several connectivity ports like USBs, HDMI, RJ-45, AC smart pin and even a multi-format SD card reader allowing for seamless file transfer and users to even hook their laptop up to an external monitor. Pre-installed with the Microsoft Office Suite, users don’t have to worry about acquiring basic work softwares like word, powerpoint or excel making it a great addition to a home-office set up.Here are more reasons why the HP 15 DA3001TU is one of the best office work laptops in the market:  

  What customers love about the HP 15 DA3001TU: “The HP 15DA3001TU is the best laptop for home use. It comes with pre-installed MS Office that makes working from home a breeze. The battery back up is also pretty solid and with HP fast charge it takes only 45 minutes to go from 0 to 50%. Gives good value for money, great for those who are tight on budget but still looking for the best office work laptop.”  Price: Rs. 33,494* on Croma  Buy it with ZestMoney 0% interest EMI for only Rs. 4,231 over 9 months  

    2.   HP 15s DU3047TX – Best Laptop For Business and Personal Use

    Number two on this best work from home laptops list is another fantastic model from HP. The HP 15s DU3047TX is one of the high-end laptop models and features an Intel i5 processor coupled with an 8GB RAM. Offering lightning fast multitasking and graphics performance you usually find in some of the best gaming laptops under 40000, you can expect nothing short of excellence from this laptop model. Its hybrid HDD and SSD feature allows for 70% faster boot up and almost a bottomless storage capacity for the heaviest of media files. Apart from being a stellar laptop for work from home, the HP 15s DU3047TX can also be used for light gaming. While the price point of this laptop may be steep, ZestMoney makes it easier for you to afford it through 0 interest EMI. Here are more reasons why the HP 15s DU3047TX is one of the best laptop for business and personal use: 

  What customers love about the HP 15s DU3047TX: “The HP 15s DU3047TX can be described as nothing short of a powerhouse! Comes with Dropbox and MS Office Home and Student included, literally everything you need in a work from home laptop. Superfast performance, great displays and graphics along with the longest battery backup. If your field of work is in the creative and multimedia industry, like a designer, gaming app developer it will be the perfect work from home laptop for you.” Price: Rs. 62,999* on Flipkart But why pay in full? Buy it using ZestMoney on 0% interest and zero down payment for only Rs. 7,956* over 9 months.  

    3.  Dell Inspiron 3501 i3 10th Gen – Best Office Laptop

    What makes the Dell Inspiron 3501 one of the best work from home laptops is all-round performance against an attractive price point. While satisfying all the work from home laptop requirements, its sleek, featherlite design yet sturdy build allow for easy portability wherever you are. Not only does it boot up in less than 10 seconds, the Dell Inspiron 3501 i3 10th Gen offers consistent performance throughout the day for simple as well as complex tasks. With a battery backup of upto 8 hours, the Dell Inspiron 3501 ensures uninterrupted productivity even during times of power shut downs. Customers have also commended Dell for offering attractive warranties and great after-sales service. Here are more reasons why the Dell inspiron is among the best office laptops in the market today:

  What customers love about the Dell Inspiron 3501 i3 10th Gen: “Lightweight and portable laptop from Dell. I love that I can sync my android phone with Dell Mobile Connect and stay on top of texts, notifications, calls all in one place. Easy functionality to also transfer files to and from devices. Fast processing speed and decent battery backup. The numeric keypad serves me well for calculations, budgeting and accounting work. It is a value buy.”  Price: Rs. 39,136* on Amazon Click here to buy it on ZestMoney’s 0 interest EMI for only Rs. 4,945* over 9 months.  

     4.  Mi Notebook E14 E-Learning Edition – Best Value for Money WFH Laptop

    Second to last in the list of the best work from home laptops is the Mi Notebook E14 E-Learning Edition. What makes it the best laptop to work from home is that the Mi Notebook offers everything and more you need for quality e-learning such as fantastic 720P HD webcam and exceptional audio visual functionalities. Showcasing a stylish classy design like some of Apple’s best professional laptops, the Mi Notebook is equally built for high-performance. Featuring an Intel i3 10th Gen processor coupled with a whopping 8GB RAM and a 256 SSD the Mi Notebook not only boots up super fast but gives every user high-speed transfer rates and sufficient memory to store all their important work documents and files. Did you know that you can unlock your Mi Notebook E-14 directly from your Mi Band? If those aren’t enough to convince you, here are more reasons why the Mi Notebook E-14 deserves a spot in your cart:

  What customers love about the Mi Notebook E14 E-Learning Edition: “Sleek, minimalistic design – almost resembling that of an Apple Macbook. Sturdy build, durable laptop for work from home as well as students. Webcam functionality is fantastic, clear audio and visuals throughout without any glitches or lag. Commendable performance. It’s hard to get such great specs in a laptop at such an attractive price point!” Price: Rs. 38,999* on Mi Buy this Mi laptop on 0% interest and zero down payment for only Rs. 4,928* over 9 months with ZestMoney EMI.  

   5.  HP 14s ER0003TU – Best Professional Laptop

Last in the top 5 list of best work from home laptops is, of course, another stunning model from HP. Well among some of the best professional laptops overall in the market today, the HP 14s ER0003TU does well to live up to its reputation. Similar to the HP 15s DU3047T, this model offers a hybrid HDD & SSD feature allowing for seamless multitasking and file access without any glitches or lags. Although priced lower than the HP 15s DU3047T, the HP 14s ER0003TU still offers a premium work from home experience for its users. Here are more reasons why this HP model is the best laptop for home use and business use:

  What customers love about the HP 14s ER0003TU: “The built in 4G LTE feature is fantastic! Helps me stay connected even during a powercut and work from wherever I am with or without WiFi. Love the large storage and file transfer is also very fast in this hybrid model. Comes loaded with MS Office and good webcam and microphone functionalities for office work. RAM is also upgradeable if required. No complaints from my side! Best laptop to work from home” Price: Rs. 58,990* on Amazon Why Pay in Full? Buy it with ZestMoney at 0% interest for only Rs. 7,456* over 9 months. Here are the top 5 Best Work From Home Laptops at a glance:

  Articles you also may be interested in:  – Best laptops under 20000 – Best smartwatches under 15000 – Best smartwatches under 10000

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Travelling makes us happier and our lives better. However, travelling to the best places to visit in August in India only further enriches our lives. This list gives you some amazing scenic options that you need to take in; either solo or with your near and dear ones.

Best Places to Visit in August in India (2022)

We experience so many benefits when we travel to new places and experience new cultures. We have the opportunity to take a break from our monotonous routine, we learn more about the new places, makes us more self aware and even tolerant, gives you unforgettable memories, and so on. 

This list of the best places to visit in August in India will help you experience the above benefits and much more as it will cater to:

• Budget travellers: Explore the cheap places to visit in India
• Family travellers: Check out the best places to visit with family in India  
• Delhiites: Places to visit near Delhi in August
• Cooler climates: best hill stations to visit in August
• And much much more!

You will also know the best way to bag some EMI tour packages and options for a flight ticket on EMI thanks to ZestMoney’s finance options. ZestMoney also has numerous partners including Yatra, MakeMy Trip, EaseMy Trip, who provide you with the best of EMI tour packages and deals!

Sign up today and get to know your credit limit so that you can have an unforgettable August by travelling to the best places to visit in August in India.

List of the Best Places to Visit in August in India

1. Leh Ladakh

We are starting off this list with one of the best places to visit in August in North India. Known for its stunning landscapes and scenery, Buddhist monasteries, and spectacular night skies, there isn’t much left to admire about this absolute gem of a place. 

You can do many adventure activities like trekking, white river rafting, or just bike along the gorgeous valley. You will be spoilt for choice when it comes to taking Instagram-worthy photos. Thanks to the pleasant weather during August, it is the perfect time for you to make that Leh trip that you’ve always dreamt of. 

Leh is not only one of the best places to visit in August in India, but it should also be the first on your list! Visit Leh with ease through ZestMoney partners such as MakeMyTrip and Yatra which are the best travel agencies in India. 

Ladakh Package Price On MakeMyTrip: Starting from Rs. 34,764* per person for 6 nights

ZestMoney EMI: Rs. 3,862* over 9 months

2. Wayanad

This lush green hill station in ‘God’s own country’ Kerala is a must-visit if you’re on the hunt for the best places to visit in South India. This quaint little town is a tourist hotspot throughout the year but it really comes alive during the monsoon season in August. 

Wayanad is well known for its Wildlife Sanctuary, Meenmutty Waterfalls, Pookot Lake for kayaking, Edakkal Caves for trekking, and a few rubber, coffee, and spice plantations for exploring. However, its Neelimala View Point has some breathtaking views that make Wayanad one of the best hill stations to visit in India.

Wayanad Package Price On MakeMyTrip: Starting from Rs. 11,465* per person for 6 nights

ZestMoney EMI: Rs. 1,273* over 9 months

3. Lonavala

Another hill station on this list is the ever-popular Lonavala. A staple getaway for Pune and Mumbai residents, this is also one of the best places to visit in August in India for couples. This lovely hill station is almost perennially under cloud cover, making it a cosy retreat for lovebirds!

Of course, there is more to Lonavala than having a romantic getaway with your special someone. There are options for adventure seekers as well with Della Adventure Park a haven for them. Additionally, you can take a dip at the Bushi Dam or trek your way to Lion’s Point or/and Rajmachi Point too! 

If you’d like a quieter time at one of the Best Places to Visit in August in India, you can do that too! You can visit the Lohagarh Fort, the Lonavala Wax Museum or even explore the few caves and waterfalls this hill station has to offer. 

The weather, unsurprisingly, is pleasant owing to the monsoon season with a few showers expected to visit in one of the best hill stations to visit in India. 

Lonavala Package Price On Yatra: Starting from Rs. 14,999* per person for 2 nights

ZestMoney EMI: Rs. 1,666* over 9 months

4. Kanyakumari

Heading to the southernmost point of India, we land up at one of the best holiday destinations in India. This is a very popular destination for bikers, especially for those travelling in packs. However, you don’t need a Royal Enfield bike to visit this iconic coastal destination. 

Because of its unique geographical location, Kanyakumari is one of the few places on earth where you can watch the sun rise and set in the same place! This town also has another feather in its cap being the place where the Arabian Sea, the Bay of Bengal and the Indian Ocean meet. 

If experiencing these natural wonders is not enough, you have many activities to do and places to visit. There are many temples to visit such as the Lord Subramanya Temple, Kumari Amman Temple, and Thanumalayan Temple to name a few. If you like forts then the Vattakotai Fort is a must-visit. 

The Vivekananda Rock Memorial is one of Kanyakumari’s main tourist attractions, standing on top of a rock that is 500 metres away from the mainland. The weather is pleasant but not cold with temperatures ranging from 23 at night to around 30 during the day. The natural wonders and scenic views make Kanyakumari one of the Best Places to Visit in August in India. 

Kerala Vacation with Kanyakumari Package Price On MakeMy Trip: Starting from Rs. 35,012* per person for 7 nights

ZestMoney EMI: Rs. 2,917* over 9 months

5. Varanasi

Another city that has many temples to visit is Uttar Pradesh’s Varanasi. Described as the city that is “older than history, older than tradition, older even than legend and looks twice as old as all of them put together” by Mark Twain, this ancient city is a haven for the spiritually inclined. 

This might be an offbeat option for the best places to visit in India in August 2022 but is definitely worth visiting, especially for those who haven’t visited before. You can watch the Ganga Aarti by the banks of the holy river Ganga, or even take a boat ride if you fancy. If you are feeling adventurous you can also take a dip in the holy water. 

Varanasi is known for its delicious street food, which you can find while exploring the many local markets that have unmatched energy. It is quite warm in Varanasi in August, with temperatures in the range of 25-33 degree celsius. However, if your body agrees with these weather conditions, then Varanasi is one of the best places to visit in August in India.

The Heritage Arc: Agra, Lucknow, and Varanasi Package Price on MakeMy Trip: Starting from Rs. 41,972* per person for 4 nights

ZestMoney EMI: Rs. 4,663* for 9 months.

6. Cherrapunji

Cherrapunji, also known as Sohra, is a mesmerising high-altitude town in Meghalaya. This gem in the northeast looks like a location of a fantasy movie with its living root bridges, mysterious forests, and thundering waterfalls. Located around 50 km southwest of the State capital of Shillong, Cherrapunji receives heavy rainfall throughout the year with precipitation levels of 11,430 mm (450 inches), the highest in the world.  

This mysterious town has many places to visit with eco-parks, caves, waterfalls and valleys being the main points of attraction. For adventure seekers, you can boat in nearby Dawki lake, explore the Mawsynram Forest and caves, and zipline at Mawkdok Dympep Valley. The weather is very pleasant with temperatures ranging between 17 and 24 degree celsius.

Mesmerising Meghalaya with Cherrapunji and Dawki Package Price On Yatra: Starting from Rs. 16,800* per person for 5 nights

0 interest* EMI: Rs. 1,866* over 9 months

7. Kodaikanal

We now head all the way to the southern State of Tamil Nadu to Kodaikanal. This picturesque hill station is one of the best places to visit in south India during the month of August. This town is set 2,000 metres above sea level and is centred around the iconic star-shaped Kodaikanal Lake, which is a huge tourist attraction. 

It does have other lakes and places to visit such as the Berijam and Mannavanur lakes, parks like the Bryant Park and Chettiar Park, a lush Pine Forest to explore, and viewpoints such as Green Valley View. You can also cycle around the lovely Kodaikanal Lake, which has a track around it, explore caves and hike to the Dolphin’s Nose viewpoint. 

Since August is just past the peak summertime, the weather is quite pleasant. Kodaikanal hovers between 17 and 25 degree celsius, which makes August the perfect time to visit for people across ages. 

Kodaikanal Package Price On Yatra: Starting from Rs. 8,999* per person for 5 nights

ZestMoney EMI: Rs. 999* over 9 months

8. Jodhpur

We go back up north to the historical royal city of Jodhpur in the northwestern State of Rajasthan, which borders neighbouring Pakistan. Known as the Blue City, owing to the houses turning blue due to the behaviour of copper sulphate in certain weather conditions, Jodhpur is the historical capital of the Marwar Kingdom of Marwar.

So unsurprisingly, it is known for its forts, palaces and royal museums, which makes it the perfect holiday destination for families. The famous Umaid Bhawan palace is converted into a luxury resort. You can enjoy the delicious local cuisine and explore the markets that are full of life and colour, while the Balsamand and Kailana Lakes are great spots to relax and unwind. 

Seeing as it is a desert town, August can get quite warm and sunny. Temperatures are between 26 and 34 degrees celsius, so make sure to carry hats, sunglasses and moisturiser creams. Given its proximity to the national capital Jodhpur should be on your list of places to visit near Delhi in August!

Finest in Rajasthan- Udaipur, Jodhpur, and Jaisalmer  Package Price On MakeMy Trip: Starting from Rs. 27,185* per person for 5 nights

ZestMoney EMI: Rs. 3,020* over 9 months

9. Spiti 

We head to another desert destination, but this time the temperature is a lot cooler. Spiti Valley is a Himalayan hill station located in Himachal Pradesh and is a very popular tourist destination for younger people. It has breathtaking natural beauty and cultural heritage and is a great playground for the thrill-seekers. 

You can river raft at the Pin and Spiti Rivers, admire the flora and fauna of the Pin Valley National Park, take a thrilling trek to the Dhan Kar Lake, stargaze at the clear night sky, and even just chill by the riverside.

Spiti is known for its cafes, Buddhist Monasteries, friendly locals, vibrant markets and even the world’s highest postal office. It can get quite cold in August at Spiti Valley with temperatures between 4 and 15 degree celsius with very little rain

So, these are some of the best places to visit in August in India. If you are on a budget, then fret not as ZestMoney has got you covered. You can avail EMI tour packages and book your flight ticket on EMI using ZestMoney’s EMI option. 

So, sign up today and find out your ZestMoney credit limit to explore the best places to visit in India in August 2022. 

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