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With the imminent success of Make in India, finally, India is also on the verge of becoming a nation where the focus is gradually shifting from IT to manufacturing. As per data (statista.com) the fiscal year of 2017 saw an annual growth rate of 14.4 percent, up from 12.8 percent in the manufacturing sector than the previous year. The growth is expected to rise per fiscal year due to the collaborative effort of the current India government, as they are extensively promoting “Make in India”, “Startup India” , and “Invest India” which is, in turn, helping in creating numerous jobs and ease of doing business in the nation. This paradigm shift is also evident as India now ranks at 77th position in Ease of doing business survey 2018 conducted by the World Bank, which is 23 notches higher than the previous year’s ranking. All this is helping India propel to a manufacturing and industrial focused nation. Such humongous demand is helping create a lot of job opportunities as well and in turn, helping provide jobs and employment to the millennial. So with such a huge demand and supply, when a fresh graduate or a person switching jobs or shifting to a new location faces the sudden paucity of funds. A new job sounds luring but the expenses one has to bear to shift to a totally new location can become overwhelming. READ MORE- https://phocket.in/

Yesterday the interim budget for 2019 was announced by the Interim Finance Minister Piyush Goyal. It brought some good surprises for the salaried and pensioners and a lot of promises to look forward to. Here are the key highlights from interim finance budget 2019: Individual taxpayers with annual income up to Rs. 5 Lakh get a full tax rebate People with gross income up to Rs. 6.5 Lakh have to pay no tax if they make investments in Provident Funds & prescribed equities. For people with annual income to Rs. 5 Lakh there is no tax. However, there were no changes with respect to tax slabs The standard deduction for salaried individuals and pensioners increased from Rs. 40,000 to Rs. 50,000 Gratuity limit has been increased from Rs. 10 Lakh to Rs. 30 Lakh READ MORE- https://phocket.in/

We’re almost a week into the new month, and let’s be honest there’s quite a bunch of people who still haven’t received the most awaited message ‘ Your account has been credited with a salary of INR XXXXX’. Young, salaried professionals everywhere incur expenses that they are not prepared for and frankly that their salary cannot account for. Waiting for your salary to ward off an angry landlord, an impatient domestic help or even just buying the bare necessities is not enough. If you are in this situation, then a salary advance loan is just what you need. Borrowing from banks can be tedious and borrowing from friends and family gets old soon; with FinTech growing by leaps and bounds every year, salary advance loans have now become a real, possible solution. Instant loans, for small amounts, short periods of time these are almost made-to-fit, tailored loans you can avail against your salary. Phocket is one such instant loan platform, you can rely on for your needs. Think of these loans as lifestyle solutions; from splurging to emergencies, a salary advance loan doesn’t ask for a high credit score, has an easy application and easy approvals. READ MORE- https://phocket.in/

A day entirely dedicated to celebrating love is close by, the day of love, Valentine’s Day is nearly upon us. The expectations for this non-holiday are high for everyone with a significant other. From a beautiful gift to a fancy dinner or even a small getaway, valentine splurging can sometimes go overboard. It is for this exact reason you need a short term loan. Here are 4 reasons why you could use an instant loan for Valentine’s Day: READ MORE- https://phocket.in/

Thank you for showing interest in participating in the Phocket Review Contest (henceforth referred to as the “contest”). Before signing up for the contest, please familiarize yourself with the Terms and Conditions of the Contest. In addition to the contest rules, by participating in the Contest, it is implied that you are in full and complete acceptance of all the terms and you will follow all the below mentioned terms and conditions. 1. The contest is valid only for Indian citizens residents of Delhi/NCR, Jaipur and Kolkata. The Contest will run only from 19/02/2019 to 22/02/2019. 2. 3 lucky winners will stand a chance to exciting gifts from Phocket 3. In order to be eligible to participate in the Contest and to win the Prize, you are required to: Step1: Go to the Phocket app and leave a review for us. Step2: Take a picture of your review, tweet it and tag us in the picture. 4. The Company shall in its sole discretion decide on the Winners. The selection of winners lies solely with the Company. Selection of the winners is final, conclusive and binding and no further appeal, inquiry and/or correspondence in this regard shall be entertained. In case of disputes, the Company’s decision is final. Multiple entries by a single person are not allowed, neither is creating or tweeting from multiple twitter accounts. 5. The Winners will be selected by the Company and announced after the contest ends. The winners of the contest will be contacted on the respective platform. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

Everyone at some point in their life has needed a loan, whether it’s for a major purchase like a house or a smaller one like a TV, loans always come in handy for the common man. However, paying the loan back can be more cumbersome in case of short term loans, than it was actually availing. EMIs always save the day in situations like these. So here are 5 reasons why you need EMIs for an easy life: Reduces Financial Pressure — Having to pay back a loan with the interest amount, even if it is a small all at once can be a huge dent in your wallet, and will completely defeat the purpose of availing a loan. EMIs significantly reduce the pressure on the payback amount and the time required to pay all of it back. Everyone has their dreams fulfilled — Easy payments make it possible for everyone to have their dreams fulfilled. Loans bring us closer to our dreams, and easy EMIs enable us to achieve them. Affordability — With EMI options that cater to individual needs, in the loan amount and tenure everyone can afford short term loans. Plus having a small amount to pay for a few months not only helps them improve their credit score, but they can also further afford things that might not have been able to, with a lumpsum payment. Flexibility — The biggest advantage, EMIs give to a loan taker is the flexibility. With options ranging over a lump sum payment to 3 months, EMIs enable a customer to avail the loans as they deem fit, in a tenure that fits their budget. It affords customers flexibility in repayment options and allows them to avail loans at their terms. Fixed Payment Amount — In choosing to pay via EMI, you create a fixed monthly payment that you have to make, so you can plan other expenses around this loan repayment for a short amount of time. With EMIs you can be sure of the small expense coming your way and in a fixed amount. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

It’s no secret that when anyone has any questions or they want to know about something, the first thing they look up to is their phone; the advent of technology has seen a radical shift in the go-to place for their issues. Whether it’s finding a new place to eat at or finding out the details of the hobby they want to pursue, small details are googled and there is always some mobile app helping in providing the desired product or services. When it comes to millennials, the dependence on mobile apps is at a larger extent and now we Indians are not holding back in fulfilling our dreams and desires. Always fulfilling your dreams is the current trend in India, and instead of long-term loans that could skew financial planning in the long run, millennial’s are preferring small and short-term loans. Short term personal loans that will help them gratify current needs and plan for the future without the threat of loan repayments looming over their heads. Imagine how pleasant the experience it will be if you had somebody who was always beside you, helping you enable your dreams. We believe everyone is unique and has different passions and hobbies which keeps them driving. We at Phocket believe that any dream should be followed, be it standing in front of Eiffel Tower or just going for the much-wanted bike trip to Leh-Ladhak with friends that keeps on getting stalled every time. We, at Phocket know that hobbies and passion are an integral part of a person’s happiness; it keeps you motivated and helps achieve more. We help enable your dreams so that you achieve more in life. Your passion can be Photography, mountaineering, vocational training, hiking, adventure sports, or simply transforming into a fashionista for your best friend’s wedding which you always wanted to, Phocket is here to help you achieve what you aspire to be. So, to help you achieve what your wants & needs, we have introduced EMI options! EMI or Equated Monthly Installment is a fixed amount paid by the borrower to the lender at a specified date each month. EMI’s are used to pay off both interest and the principal amount each month for a certain period of time until the loan is fully paid. EMIs are very different from variable payment plans wherein the borrower can make higher payments, but in EMIs, borrowers are allowed to make fixed payments each month. Phocket provides Personal Loans for EMI Payment purposes to Salaried Professionals between INR 5,000 and 1,00,000 with single EMI option for loans up to INR 10,000, flexible EMIs option (1/2/3) for loans greater than INR 10,000. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

Summer is here, and the scorching heat brings with itself the need for a much-needed break from everything. Schools & colleges are closing down for summer vacation, and this is the perfect time to wind down. With the ever increasing travel options available to us, traveling to far and wide places has never been closer to us. A scarcity of funds can throw a wrench in your plans to make new memories. But why wait, when you can easily avail an online summer travel loan to your favorite destination instead? READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

It’s no hidden fact that Indians love their gold and have a propensity for buying gold more than anything else. The fact that Indian housewives own 11% of the world’s gold (more than gold reserves of a lot of countries) is evidence of the fact that Indians love owning gold. The purpose of owning gold is for more than just vanity; gold owners can easily avail loans/finances against their gold jewellery. But, just how feasible are gold loans exactly? Are personal loans better than gold loans? Here’s are 5 reasons why personal loans are better than gold loans! More Stable: Personal loans don’t require any collateral, whereas gold loans are availed against the value of the gold. You risk losing your hard-earned gold belongings with a gold loan, with personal loans however, in case of default all you risk is a penalty. The repercussions with defaulting a gold loan are higher and unstable as compared to a personal loan. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

They don’t come around very often, but when long weekends do happen you know it’s time for a mini break. Everyone waits for the three day weekends, and every year we mark those days on our calendars on January 1st itself. However, when the long weekends do actually roll around, we have to scramble to get our finances in order so we can, in fact, enjoy them. You might think a credit card is better than a personal loan, but we are here to tell you why you need a travel loan: long weekend edition! Instant & Easy Application: The application process for procuring an online travel loan is fairly easy and instant. Since it is online, the process involves very little documentation and an easy registration process. It is great for any last minute plans you might have since you can complete the application in a couple of minutes. Instant Disbursal: The processing time for online travel loans is shorter than most other loans, making the disbursal faster too. So you can have your cash in a matter of hours. Instant cash makes all short term and long term plans possible on your terms. Flexi EMIs: Online travel loans come with easy and flexible EMIs, that make the repayment process easy and tailored to your needs. You can pick the EMI option that suits you the most. With flexible EMI repayments, you can enjoy your long weekend and pay back the loan amount as you agreed to. All Yours: With an instant online loan, all the money is disbursed to you at once. You don’t have to wait to apply for it or actually procure it. Besides that, unlike credit cards, you don’t go overboard with your money since you have a limited amount of money and don’t collect a debt. Perfect Small Loan for a Small Getaway: Long weekend getaways don’t require an exorbitant amount of money, and an instant, short term travel loan is the solution for your cash woes. A short term travel loan helps you with your long weekend plans in an affordable way. Phocket provides Personal Loans for EMI Payment purposes to Salaried Professionals between INR 5,000 and 1,00,000 with single EMI option for loans up to INR 10,000, flexible EMIs option (1/2/3) for loans greater than INR 10,000. READ MORE-Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

The saying goes ‘there’s an app for everything these days’, and it is true. There really is an app for everything these days, getting married? there’s an app for that, want new furniture? there’s an app for that, want supplies for your pet? There’s an app for that too! The future is getting closer, and technology is growing faster than we can compute. So, it’s no wonder that loans are available on apps too now. Ease and accessibility are the two things that bring any service to your fingertips, on your phone, so why should loans be any different. If there’s an app for it, that means the service is almost instantaneous, and short — term app based loans are just that. Services you can avail easily, in an instant, delivered to your doorstep with just a few swipes on your phone. So, here’s why app based loans are the future! Small amounts for a little time Instant loans for instant gratification via an app are the need of the hour. With app based short term loans, you can borrow small amounts of money, that you can pay back within your means over a short period of time, without taking a blow to your everyday finances. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

The Ambassador Program is a referral program where everyone earns. Very similar to the LIC Agent Model, A Phocket ambassador advocates and promotes the instant loan platform to their friends, family, and other connections via different channels such as social media, personal contacts and word of mouth. The ultimate objective of a Phocket Ambassador is to bring more and more users to Phocket so that everyone earns - the people who need to avail loans and the ambassador. For every disbursed application a Phocket Ambassador brings to the platform, they get paid INR 250. As the number of disbursed applications increases, so does the payout. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

Visit our Website phocket.in or download our mobile app from Google Play Store Fill Out a Quick Application Form, Upload the required documents and Submit your application to avail personal loans for EMI repayment READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

We are happy to introduce you to Instant Advance Salary Program - the flagship corporate offering from Phocket, which is tailored to cater to the financial needs of the employees working in your organization. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

Visit our Website phocket.in or download our mobile app from Google Play Store Fill Out a Quick Application Form, Upload the required documents and Submit your application to avail Sports Loan. READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

Sign up with Phocket and pave the way for your child's golden future buy taking the school fee loan from us READ MORE- Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket

Visit our Website phocket.in or download our mobile app from Google Play Store Fill Out a Quick Application Form, Upload the required documents and Submit your application to avail gadget Loan. READ MORE-  Get Instant Personal Loan, Advance Salary Online, Short term Loans | Phocket