2018 Bank Holidays In India

List of bank public holidays for the year 2018. In India, every 2'nd Saturday and 4'th Saturday of month as public holiday for banks.

January 26 (Friday) : Republic Day 
February 13 (Tuesday) : Maha Shivratri 
March 2 (Friday) : Holi 
March 29 (Thursday) : Mahavir Jayanti 
March 30 (Friday) : Good Friday 
April 1 (Sunday) : Annual Closing of Bank Accounts
April 30 (Monday) : Buddha Purnima 
May 1 (Tuesday) : May Day 
June 16 (Saturday) : Id-ul-Fitr 
August 15 (Wednesday) : Independence Day 
August 22 (Wednesday) : Eid al-Zuha 
September 3 (Monday) : Janmashtami 
September 13 (Thursday) : Ganesh Chaturthi 
September 21 (Friday) : Muharram 
October 2 (Tuesday) : Mahatma Gandhi Jayanti 
October 18 (Thursday) : Maha Navami 
October 19 (Friday) : Vijaya Dashami 
November 6 (Tuesday) : Deepavali 
November 7 (Wednesday) : Diwali 
November 21 (Wednesday) : Eid-e-Milad 
November 23 (Friday) : Guru Nanak Jayanti 
December 25 (Tuesday) : Christmas 

What to do when lost credit card ?

Lost your credit card in your travel or anywhere with wallet. Don't be panic suddenly, lets see what we need to do further.

1. Call to credit card help line and block your card.
2. If unable to contact credit card help line do following.

• Few banks provided option to block credit card through online net banking.
• Get help form your friends to get credit card helpline if you don't have internet to search. In tension you can't get correct number from internet while you search.
• Few banks (Eg:HDFC Bank) call you if CVV number enter wrong in online purchase. Try wrong CVV number in online purchase and speak with bank agent to block card when they call you. 

3. Apply credit card insurance to redeem fraudulent money.

4. Always spend few mins time to verify your credit card bill.

5. If possible load your money to online wallet if required emergency purchase after lost card before blocking.

Second Income

Income is necessary for everyone, but with single income we can't reach our goals easily in this economical world. Lets see few points about second income and savings in this post.












As a common man 6-10 hrs week days works will not help to become rich with single income. Have to make second income to manage our economical needs. To get second income we need to find additional source.

• Investing share market is high risk, so we can try mutual funds.
• Need to save a part from our income each month. Need to keep 20% in bank, 20% in shares & 10% for emergency needs.
• Implement innovative ideas in your business to compete the market.
• Avoid unnecessary expenses from your pocket.

Bill Desk credit card payment links for all banks

By using bill desk you can pay your credit card bills easy by using net banking or debit card. Its a simple and secured method to pay your credit card bills.




HDFC - https://www.billdesk.com/pgidsk/pgmerc/hdfccard/HDFC_card.jsp
Standard Charted - https://pgi.billdesk.com/pgidsk/pgmerc/standardchartered/scb_card.jsp
SBI - https://www.billdesk.com/pgidsk/pgijsp/sbicard/SBI_card.jsp
Axis Bank - https://pgi.billdesk.com/pgidsk/pgijsp/axiscard/axis_card.jsp
ICICI - https://payments.billdesk.com/vbpsi/customerops/online_iccp_verify_card_vbpsi.jsp
Indus Ind - https://www.billdesk.com/pgidsk/pgmerc/induscard/indus_card.jsp
Citi Bank - https://pgi.billdesk.com/pgidsk/pgijsp/citicard/citibank_card.jsp

Others:
LIC - https://www.billdesk.com/pgidsk/pgmerc/liccard/lic_card.jsp

How to pay SBI Credit Card bills

Ways to pay SBI Credit Card Bills (Check Here).

1. Paynet: Pay your SBI Card dues, using the netbanking facility provided by your bank.
2. Through Online SBI: Log in to SBI website and pay your SBI Card dues online from your SBI account.
3. SBI Automatic Debit : Get your SBI Card dues debited directly from your SBI and SBI group banks.
4. SBI Electronic Clearing Service: Use Electronic Bill Pay facility to make online payments, directly from your bank account..

5. National Automated Clearance : 

   Get your dues deducted directly from your bank account, on the payment due date.
6. NEFT: A fast and secure way to pay your SBI Card outstanding through any bank account. Use IFSC SBIN00CARDS.
7. Mobile banking: Pay your SBI Card dues through your mobile phone with the SBI Freedom Application..
8. Other bank online transfer: Add your SBI card in your HDFC, ICICI, Axis Bank and others as card payment type by using  SBI IFSC Code SBIN00CARDS.
9. Electronic bill payment (EBP): Use Electronic Bill Pay facility to make online payments, directly from your bank account..
10. At SBI ATM: Pay your bills using SBI Debit Card, across any SBI ATM in India.
11. Over the counter through cash/cheque: Pay your SBI Card dues over the counter at any SBI or SBI associate bank branch in India.
12. PayCash @ EasyBill Outlets: This is another cash payment method for making due card payment. You need to visit any of the easybill outlets and provide your 16 digit credit card number, money to be paid and your mobile number. Once the transaction is done, card holder will be provided electronic receipt instantly.
13. Electronic dropbox:  Deposit your payment cheques in electronic drop boxes and get instant receipt.
14. Manual dropbox: Like going the traditional way? Drop your payment cheques in any of our drop boxes available across the country.

How to pay HDFC Credit Card bills

For paying HDFC credit card we have several ways mentioned by HDFC bank CLIKE HERE.

1. NetBanking 
a) HDFC Bank NetBanking - HDFC Bank savings/ current account holders can register for NetBanking and transfer the card outstanding amount online. To link your credit card to NetBanking, please login to your HDFC Bank NetBanking account and link using your Credit Card ATM PIN. To register for NetBanking click here.

b) Non-HDFC Bank NetBanking - You can now make your Credit Card payments online from any other bank account, if you do not have an account with HDFC Bank. Click here for more details & FAQs.

2. Pay using HDFC Bank Mobile App
Login to HDFC Bank Mobile App using your Customer ID and go to credit card tab.
Choose credit card payment and make your payments using your HDFC Bank savings account.
Note – you need to download the Mobile App in your phone and enable internet access on your phone

3. Pay using HDFC Bank Mobile Site
Login into Netbanking account from the mobile site www.m.hdfcbank.com
Go to the credit card tab and choose credit card payment and make your payments using your HDFC Bank savings account.

4. ATM Funds Transfer
All you have to do is walk in to any HDFC Bank ATM in India, at any time and transfer the bill amount from your savings or current account to your Credit Card account.

5. NEFT/ Visa Money Transfer (for other bank account holders)
You can transfer funds from any other bank account to your HDFC Bank Credit Card account electronically. For further information, click here. Please contact your bank for more details on NEFT. Use IFSC Code HDFC0000128 for card payment through NEFT.For details on Visa Money Transfer, click here.

6. Autopay
You can provide standing instructions to debit your HDFC Bank account automatically for either the minimum amount due or total amount due of your monthly outstanding on your Credit Card. Your account with HDFC Bank should be a sole account or a joint account with an 'any' or 'either' signing mandate.
Click here to download Autopay registration form.

7. Over the counter Cash Payment
Walk into any HDFC Bank branch and make your credit card payment by Cash.

Note: Fee for payments made by depositing cash at HDFC Bank branches/ATM has been revised to Rs.100 effective 1st November, 2012.

8. Cheque Payment
You can drop a local cheque, payable to HDFC BANK Card A/c followed by your card number, at any one of our drop boxes located in ATMs and branches in your city. HDFC Bank has an extensive network of 2,201 branches and over 7,346 ATMs across India. Local cheque payments will be credited to your card account in 3 working days.
To locate your nearest Branch, click here and for ATM click here