Podcast appearances and mentions of aditya mishra

The RBI hiked repo rate by 40 bps. This hike will translate into higher equated monthly instalments, or EMIs, on new home loans.   For existing borrowers, the tenure will increase, which will translate into a higher interest burden. But, if the limit on tenure — usually retirement age for salaried employees and 65 years for the self-employed — gets breached, their EMI could also rise.   Interest rates are headed upward. Anarock Group Chairman Anuj Puri has said that the RBI's rate hike signals an imminent end to the all-time low interest rate regime, which has been one of the major drivers of home sales across the country since the pandemic began. Experts believe rates will continue to harden for some time, given the high and persistent nature of inflation. Existing borrowers should go in for planned pre-payments. According to BankBazaar CEO Adhil Shetty, existing borrowers should use any windfall or savings to prepay loans. Borrowers should aim to prepay 5 per cent of the loan balance every 12 months, he says. By prepaying at this optimal rate, one could reduce the loan tenure from 20 years to 12. Borrowers still on a loan linked to the marginal cost of funds-based lending rate, or MCLR, should shift to a repo rate-linked loan after careful calculation. Shetty says unless the difference is more than 50 basis points, you could stay put in certain circumstances. EMIs on repo rate-linked loans are expected to be revised from next month. An MCLR-linked loan may reset after several months, assuming your loan is linked to a 12-month MCLR. Hence, do a detailed analysis of costs before shifting. Home loan balance transfer can also reduce your interest burden. Aditya Mishra, director - home loan desk at 4B Networks, advices the evaluation regarding whether to shift loan must be done every quarter. If you have more than 15 years of tenure left, switch if there is a difference of just 25 bps between your existing rate and the best rate you can get. If 5-10 years are left, switch if there is a difference of around 70 bps. And if 10-15 years are left, the difference must be 50 bps.   In a rising rate scenario, home finance companies whose loan rates are not linked to an external benchmark could hike their rates by more than the quantum of the repo rate hike. MyLoanCare founder and CEO Gaurav Gupta believes new borrowers will be better off going for a repo rate-linked loan rather than one benchmarked to the prime lending rate. Banks, whose rates are linked to an external benchmark, could possibly hike the spread on their loans for new borrowers.   Sanjay Kumar Singh of Business Standard says HFC loan rates could climb at faster pace than that at which repo rate goes up and borrowers should stick to repo rate-linked loan.   According to experts, comparing rates become crucial in a rising rate scenario. They suggest, one should budget for higher rates in the future. And avoid over-leveraging in these circumstances. A rate that appears inexpensive today may not remain so in the future. Higher interest rates will reduce the loan amount new borrowers are eligible for. Get ready to arrange a higher down payment. Finally, with prepayment becoming crucial, go with a lender that offers easier terms and conditions for prepayment.

In this episode mint's Tanish Bhasin speaks to Aditya Mishra founder & CEO of switchme.in about things to keep in mind, and how to choose the lender for transferring your home loan. Tune in to know more

Carson is joined by special guest Aditya Mishra, and they discuss important topics such as abandoned military bases, the investigation of Manzanita Cemetery, and of course, the Three Rules of Scientific Research.

Carson is joined by special guests Aditya Mishra, Ray Lavrador, and Justin Clark. Together they discuss many scientific topics such as phantoms, aliens, and the full-moon fever. Website: http://srotu.online/ Hotline: ‪(916) 534-8753‬ Email: contact@srotu.online Twitter: https://twitter.com/ResearchersOf?lang=en Instagram: https://www.instagram.com/scientificresearchofunknown/ Youtube: https://www.youtube.com/channel/UCiwCZjdEn74kVvSPY6s7Juw

Carson is joined by special guest Aditya Mishra, and they discuss important topics such as abandoned military bases, the investigation of Manzanita Cemetery, and of course, the Three Rules of Scientific Research. Website: http://srotu.online/ Hotline: ‪(916) 534-8753‬ Email: contact@srotu.online Twitter: https://twitter.com/ResearchersOf?lang=en Instagram: https://www.instagram.com/scientificresearchofunknown/ Youtube: https://www.youtube.com/channel/UCiwCZjdEn74kVvSPY6s7Juw

Aditya Mishra is the Co-founder and COO of ZenPrivex. ZenPrivex is an umbrella company with different product offerings in the Blockchain and crypto space. One of their first products is the 108 token which is a token representing an indexed fund with the top 15 cryptocurrencies rebalanced on a monthly basis. Prior to his journey in the Blockchain space, Aditya or Adi was involved in the secondary private equity markets. Tune in to hear about: Background of the team Adi's journey in blockchain and cryptocurrency ZenPrivex - the parent company behind the 108 token. Other ventures include a research arm and a decentralised exchange on top of ZRX (“relayer”) 108 token - tokenised fund holding the top 15 cryptocurrencies by market cap and rebalanced monthly Why the name ‘108’ (https://108token.com/) Investment concepts in the crypto space that investors should consider: supply adjusted market cap versus only considering circulating supply (https://onchainfx.com/) Why Adi and his team decided to work on this project? Why the ZenPrivex decided to tokenise this index fund versus taking on USD/SGD (or fiat currency straight)? Who should buy the 108 token? How to buy the 108 token? How the 108 token could trade at a discount or premium to the underlying assets Target clients for 108 tokens (including treasury management for companies who have done ICOs) Things that Adi is excited about in the Blockchain space Telegram, Blog

On the second part of this special series, Anupam chats with Aditya Mishra, founder of SwitchMe, a company that offers an end-to-end service that helps you take a home loan or transfer your home loan. Aditya tells Anupam about how one can manage their home loan better, the difference between banks and HFCs (Housing Finance Companies), and how to be more aware of your home loan so your bank/HFC does not take you for a ride. You can listen to this show and other awesome shows on the IVM Podcast App on Android: https://goo.gl/tGYdU1 or iOS: https://goo.gl/sZSTU5 You can check out our website at http://www.ivmpodcasts.com/

On the first part of this special series, Anupam chats with Aditya Mishra, founder of SwitchMe, a company that offers an end-to-end service that helps you take a home loan or transfer your home loan. Aditya tells Anupam about what prompted him to start SwitchMe, the different types of home loans, the right time to go for a home loan, what banks and NBFCs look for that makes your loan easier to pass, and whether you should rent or buy a house. You can listen to this show and other awesome shows on the IVM Podcast App on Android: https://goo.gl/tGYdU1 or iOS: https://goo.gl/sZSTU5 You can check out our website at http://www.ivmpodcasts.com/

This week on Shunya One hosts Shiladitya and Amit are joined by Aditya Mishra, Founder, and CEO at SwitchMe (https://www.switchme.in/) to talk about his online home loan service company, the fin-tech sector and the importance of startup networks in the country. You can listen to this show and other awesome shows on the IVM Podcast App on Android: https://goo.gl/tGYdU1 or iOS: https://goo.gl/sZSTU5 You can check out our website at http://www.ivmpodcasts.com/

The first TKM with as many as four participants discussing the latest arguements and happenings taking place on the internet. The participants leanding their voice in this episode include Gaurav Mishra , Aditya Mishra , and Veer Chand Bothra. I had more than 5 topics for this episodes but we managed to cover only 2 which is an indicastion how much these people have to contribute.

The first TKM with as many as four participants discussing the latest arguements and happenings taking place on the internet. The participants leanding their voice in this episode include Gaurav Mishra , Aditya Mishra , and Veer Chand Bothra. I had more than 5 topics for this episodes but we managed to cover only 2 which is an indicastion how much these people have to contribute.