Education
Car Loan vs Lumpsump Payments – Explained by Rohit Tripathi
Rohit Tripathi is an Entrepreneur who recently made a very interesting video on YouTube about why he took a car loan when other influencers are against it. He Runs a Channel on YouTube called, Retire with Rohit, where he speaks about Early Retirement and other things that would boost everyone’s financial knowledge.
His answer was purely mathematical.
People buy a car for many reasons, they can be genuine or just based on hobby. But the problem really happens when people buy cars when they have no money to afford it.
They end up taking loans that put stress on their finances and make their life difficult and put a big dent in any savings potential.
But what if you have money? Let’s say you have a few lakh rupees in your account and you want to buy a Car. This is where Rohit Tripathi comes in and explains, why you should take a loan for your car at a minimal interest of 8.6% and invest your money in an Index fund, or even an FD to earn more on your investment.
Due to the amortization schedule of Car Loans, the net interest you will pay on a 10 Lakh Rupees Car loan would be around 3.3 Lakhs over a course of 7 years.
However, 10 Lakh rupees invested in a Fixed Deposit at 7% will generate over 6 Lakhs in interest income over 7 years, even after tax deductions this interest income will be higher than the total interest paid on the car loan.
This calculation becomes even more exciting if the 10 Lakh is invested in an Index fund at 12% CAGR which makes it even more exciting as the value of this corpus more than doubles in 7 years, and thanks to Long term capital gain taxes, the taxation on this amount will be only 10%, compared to the 30% in case of FDs. (assuming you’re in the top tax bracket).
This strategy devised by Rohit which he used to buy his own car as well, holds true mathematically and is actually a good idea.
If you want to know more about it, consider watching his video about taking a car loan on YouTube, and it will clear your doubts.
Rohit Tripathi has a Research Analyst Certification from NISM (National Institute of Securities Markets), however the SEBI Registration is pending and he wants to get SEBI Registered in a couple of years. He doesn’t offer any financial services of investment advice, yet. To Contact Rohit, you can do so by visiting his website at retirewithrohit.com
Note – This article should not be considered financial advice, or encouragement to take any bank loans. Please do your own due diligence or speak to a registered advisor.
Education
Best IAS Coaching in Chandigarh: Your Dream Meets Reality
As a child, everyone has heard about this term or some might have dreamed of becoming one. However, many drop the idea of becoming an IAS officer due to the difficulty of becoming one. Students spend their whole lives studying for IAS and some do shine but not all. To fulfill that dream of becoming an IAS, the best IAS coaching in Chandigarh has knocked on your doors.
Best IAS Coaching in Chandigarh
All the national exams are hard to crack. It takes a lot of determination and hard work to become successful. Most students back off after one or two tries and drop their dream of becoming an IAS officer.
They don’t get the proper guidance and self-study is not everyone’s winning point. This is one of the main reasons students lose hope and confidence and prefer to choose another profession instead of giving one more try.
Good guidance can positively boost the morale of such students and to fulfill your dream. Chandigarh’s coaching centres will do their best to guide and boost your confidence. Let’s talk about the best IAS coaching in Chandigarh.
Chanakya IAS Academy
Chanakya IAS Academy is one of the leading IAS coaching academies in Chandigarh. Since its establishment in 1993, it has been serving students to fulfill their dreams of becoming an IAS officer.
The academy has fulfilled the dreams of 5000+ students and is continuing to do so. It has provided comprehensive training programs to students for over 3 decades. Chanakya IAS Academy is not only limited to Chandigarh but has 22 centres across India.
The faculty is highly experienced in their field and the course resonates with the students’ desires. The academy has empowered more than 5000+ students to become IAS, IFS, IPS, IRS, and other such respectful services.
Reasons for Choosing the Academy
- It covers the general studies, CSAT, Essay Writing, and Interview guidance programs for UPSC exams. Students learn through classrooms, assessments, tests, and workshops. Thus giving them a preparation strategy.
- The pre-test series offered by the academy is important for clearing the Prelims. These tests are built to enhance the analytical skills, focus areas, and accuracy in students.
- Apart from the pre-test, it offers the Main Test Series helping students fill the learning gaps and cover the vast syllabus.
Admissions for UPSC (target 2025)
Date | Mode | Language |
10th June | Offline and Online | English |
10th June | Offline and Online | Hindi |
Contact Information
Location: Sector 22B, Chandigarh
Phone Number: 82641 99959
Join one of the best academies and fulfill your dream of becoming an IAS officer.
Raj Institue
Raj Malhotra’s IAS academy is another brilliant academy in Chandigarh for cracking the civil service exams. The institute has over 25 years of experience and has been mentoring aspirants for IAS, PCS, HCS, HAS, and other such exams.
More than 12,500+ aspirants have successfully become what they dream of becoming and more than 2,000 students have become officers. Moreover, Raj Institue has 50+ experienced faculty always giving the best education to students.
Reasons for Choosing Raj Institue
- The academy offers a daily discussion of Current Affairs. It helps students to stay informed about the current happenings of the world.
- Students have access to talk about the major issues happening around the world with the specially curated Editorials by the academy. This enhances their critical thinking and broadens their perspectives.
- The engaging quizzes help students enhance their knowledge of various subjects.
- The academy also offers Mains Answer Writing enhancing students’ familiarity with the exams.
Courses offered by the Institue
- NCERT Foundation Courses
- IAS Preparation Foundation Course
- State Civil Services: PCS/HCS/HAS
Contact Information
Location: First Floor, Dainik Bhaskar Building, Sector 25, Chandigarh
Phone Number: 70870 00437
The academy is active on various platforms like Linkedin, Instagram, Facebook, and Twitter, where you can follow them for updates. Raj Institue is a kind institution fulfilling the dreams of many students.
Chetan Bharat Learning
Chetan Bharat Learning is another brilliant academy for UPSC aspirants. Since its establishment in 2019, CBL has offered a helping hand to thousands of students pursuing their dream jobs.
It offers in-depth study of civil services, government jobs, CLAT, and many more. The academy uses state-of-the-art technology and facilities to help students grow and fulfill their dreams.
The academy is highly active on YouTube, sharing insightful study tips and material with students. Chetan Bharat Learning focuses on education with affordability. If you dream of pursuing a career in the IT sector then Gian Jyoti Institute of Management and Technology, Mohali is one of the top choices for your bright future.
Features for Choosing CBL
- The academy has its own website and app for students to learn online.
- The curriculum is designed entirely on the UPSC guidelines and syllabus.
- When you become a part of the academy, you do not have to worry about learning from extra books.
- You will have a daily reading session and live newspaper coverage for a better understanding of current affairs.
- The academy offers various Test Series for students to analyze the pattern and difficulty of the exams.
- Live Mentorship and Guidance Sessions with UPSC toppers will boost the confidence of all aspirants.
- The academy also offers personalized study sessions with the faculty.
- Students can study disturbance-free in the 24/7 5G enabled library.
- The academy has group discussion areas for students to interact with each other. This helps in better understanding and a sense of familiarity.
All these factors are ideal for choosing CBL as your destination to fulfill your dream of becoming an IAS officer.
Courses Offered by CBL
Course | Content |
Prelims Specific Course |
|
Foundation Course |
|
Comprehensive Online Course |
|
Comprehensive Offline Batches |
|
Optional Course |
|
UPSC Mentorship Course |
|
Contact Information
Location: Plot No 240-241, Industrial Area Phase 9, Near Chandigarh Airport, Mohali
Branch Office- First Floor, ISBT Sector-43, Chandigarh
For UPSC contact: 89681 43745
For PCS contact: 89683 38745
Grace IAS Academy
Grace IAS Academy is another well-established institution in Chandigarh. The academy aims to fulfill the dreams of many students to crack the Civil Services and other Central and State services exams.
To fulfill their dreams, Grace IAS Academy takes great measures like conducting various programmes like:
- Inspirational Lectures
- Knowledge-based class-room teaching
- Various Practice tests
- Preparing for personality tests conducted by UPSC.
The faculty are professionals in their fields and highly dedicated to provide the best learning experience. The academy focuses on cracking various exams like IAS, PCS, HCS, HPAS, and CDS.
Courses Under Grace IAS Academy
- GS MAINS
- GS Prelims
- Optional Subject
- Test Series
Contact Information
Location: Sector 36 D, Chandigarh
Phone: 6284 845 293
Become a part of the academy and experience the happiness of making your dream come true.
O2 IAS Academy
O2 IAS Academy provides one of the best IAS coaching in Chandigarh. Being one of the leading Civil Services coaching institutes, it has fulfilled the dreams of various students in Chandigarh.
The academy has given amazing results in the previous years as the students are prepared with precision to crack these exams. All the lectures are prepared according to the UPSC pattern. The interactive sessions at O2 IAS Academy help students grasp better knowledge about the subject.
Moreover, it is located close to various educational institutions like PEC, PGI, DAV, and Punjab University. Join the world of 02 IAS Academy and learn from the best in town.
The Various Departments of the Academy
1 UPSC/ IAS
Preparation for Civil Services Examinations with innovation and good-quality teaching.
2 Haryana Civil Services and Other Allied Services
A comprehensive study material and full syllabus coverage.
3 Punjab Civil Services
Focus on current affairs of Punjab and updated syllabus.
4 Himachal Pradesh Administrative Services
Providing relevant content with detailed study material and lectures.
5 Interview Coaching
Covers all the aspects of HCS interview and prepares for mock interviews with ex-civil servants. It includes HAS, HPAS, PCS, and IAS.
6 Online Courses
It includes YouTube, videos, mobile apps, and online classes. The students are attended to personally for their better understanding.
Contact Information
Location: SCO 172 Top Floor, Sec 38 C, Near Corporation Bank, Chandigarh
Phone Number: 9872124143
The academy will not let you down if you are determined to become what you dream of becoming. Join the academy for an enriching learning experience.
Divine IAS Academy
Divine IAS Academy is another professional in the field of IAS coaching. It has been serving the students to reach their goals. The advanced approach to teaching is the reason behind the academy’s success.
The guidance of the experienced faculty has given excellent results in building students’ careers. There are various reasons for choosing Divine IAS Academy:
- The academy offers Live Online Classrooms for students who cannot visit the academy.
- The study material is updated regularly according to the exam pattern so that it includes all the important information.
- Online/ Offline Tests are conducted regularly for students to work on their weaknesses and fill the gap.
- The teaching staff is highly qualified.
- The academy also offers a monthly current affairs magazine to familiarize students with the current happening in the world.
- There are pre-recorded classes available for students so that they can watch the content they want anytime.
- The academy holds regular doubt sessions for students to clear out any problems they are facing in their studies.
- Regular polls and quizzes enhance student activity while teaching them new things.
Contact Information
Location: SCO 209, First Floor, Sector 36 D, Chandigarh
Phone Number: 9779737877
Unlock the possibilities of becoming who you want to be with Divine IAS Academy.
Final Note
Dreaming and working hard to fulfill that dream are two different things. These institutions will help you secure both your dream and the journey to fulfill that dream. Experience the best IAS coaching in Chandigarh with these institutions and make yourself and your family proud of what you will become in the future.
Education
The Best Library in Chandigarh and Others Worth a Visit
Libraries are considered one of the greatest sources of knowledge. You can visit a library and discover facts or information you never even knew existed. You are in a different world when you visit a library. Even though the internet has an abundance of knowledge, the essence still remains in reading a book. If you love reading or visiting libraries, you should definitely visit the best library in Chandigarh along with others.
Library in Chandigarh
Reading books is passed down from generation to generation. We have been taught reading from a very young age. Most people stop reading after a certain age or when they have alternatives, however, some people still prefer reading as a source of knowledge.
Every state in India has its own library, in fact, every city has its own library. Just like every other place in India, there is a library in Chandigarh worth a visit. Moreover, there is more than one library that you should visit if you love reading and exploring new libraries.
The State Library: Best Library in Chandigarh
The State Library is the best library to visit if you love a unique collection of books along with various events. The library offers various services:
Reading Rooms
The library offers separate reading rooms for people to enjoy privacy and read in their comfort. No one likes disturbances and the authority has kept in mind the needs of the readers.
CD Collection
It has a brilliant collection of old records to soothe the minds while they read. A little background music enhances concentration. Moreover, CDs remind you of the old times. Enjoy some good music while reading your favorite book.
Free WiFi
Readers can enjoy free wifi in the library. If you don’t have a good internet connection to do some online research, you can always rely on the library’s wifi.
Separate Reading Room for Disabled Readers
There is a separate reading room for readers with disabilities. This ensures they don’t feel discomfort of any sort.
Huge Collection of Various Languages
The library is home to various unique and interesting books from Hindi, Marathi, English, and Gujarati languages.
Event Hosting
The State Library hosts various events like Chandigarh Sahitya Akademi, Chandigarh Sangeet Natak Akademi, and Chandigarh Lalit Kala Akademi. These creative events are open to all readers.
Visit the library yourself and discover the amazing collection of books it holds. You will be amazed by the collection and the events.
Location
Opposite Gurudwara, Sector 34A, Chandigarh
Timings
Before visiting the library, keep in mind the opening and closing hours.
Open: 08:00 AM
Close: 07:00 PM
Beant Singh Memorial Library
Beat Singh Memorial Library is another amazing library in Chandigarh. It is a religious library offering books on literature, religion, and history. Moreover, the library holds biographies of various famous and prominent Indian figures.
It was established in 1995 by Beant Singh aiming to preserve and promote the culture, and literature of Punjab. It has various journals and literature on the old Punjab.
You can read the history of the great wars fought in the world and get more insight into the history of India. The library has an excellent seating arrangement with every shelf filled with good books from top to bottom.
It also has various rare and unique manuscripts and books you can read when you visit this beautiful library. You can participate in various cultural activities like book exhibitions, literary festivals, and cultural events.
Address
Sector 42D, Near New Lake, Beant Singh Memorial, Chandigarh
Timings
The library is open from 08:00 AM to 08:00 PM.
The Browser Library and Bookstore
The library has a wide range of fiction and non-fiction books. Moreover, it also has a collection of children’s literature. It was established in 1995 and is known as a second-hand book dealer in Chandigarh.
You will be amazed to explore the collection of books ranging from romance, action, fantasy, and much more. Visiting the library is an absolute comfort and delight. The uniqueness lies in the fact that it is a publishing house, a library, and a bookstore.
Read the best books from the leading publishers in the world and experience the peace reading offers in one of the best reading places in Chandigarh. If you love food and reading together then enjoy a good read in these Rooftop Restaurants with the city view.
Location
Sco- 14,15, Sector 8C, Chandigarh
Timings
Monday to Saturday: 10:00 AM to 6:30 PM
Sunday: Closed
British Council Library
British Council Library is filled with amazing books ranging from fiction, non-fiction, and many more. If you are someone who loves to explore new genres, then this is the place for you! All literature and poetry fans should definitely visit the library for its good literature and poetry books.
It has both hardcovers and digital publications of books to fulfill different needs. Moreover, you can also experience the magic of e-journals, and e-movies. The library offers memberships to people and even the non-members can access the books.
Location
178A, Elante Office Block, 515, Industrial Area Phase I, Chandigarh
Timings
Monday to Saturday: 11:00 AM to 07:00 PM
A.C. Joshi Library
Even though A.C. Joshi Library is a part of Panjab University, it is open to outsiders too. The library is one of the biggest sources of online and offline information. A.C. Joshi Library was inaugurated by Jawaharlal Nehru back in 1963.
It is equipped with ACs and computers for readers to enjoy their reading journey. It is considered a heritage in Chandigarh. The library designed by Pierre Jeanneret is one of the most beautifully designed buildings in the city.
The library offers more than just books, it is also home to various heritage furniture designed by Jeanneret. You can also explore the Manuscripts and Rare Books section of the library. If you are a student of Panjab University, you should definitely visit this heritage space in PU.
Location
Panjab University, Sector 14, Chandigarh
Timings
24 hours a day
Remains closed on Sundays and public holidays
Government Museum and Art Gallery Library
The library is located in the well-known Government Museum and Art Gallery. Readers who love art should definitely visit this library for its extravagant books on art, and other interesting fields like archeology.
Just imagine a book within a museum, such a splendid feeling right! The museum gives it an aesthetic look and aura. Experience the best hours of reading within the walls of this beautiful and cozy library.
The library is often visited by art lovers or people who love exploring museums for being a part of museum and art galleries. If you visit the museum, you should explore this hidden gem too.
Location
Sector 10C, Jan Marg, Chandigarh
Timings
Tuesday to Sunday: 10:00 AM to 4:30 PM
It does not open on Mondays and public holidays.
TS Central State Library
The library was established in 1955 and is known as one of the top libraries in Chandigarh. It has an amazing collection of more than 2 lakh documents. The library is rich in English literature books.
Moreover, it also offers social services by lending books to people in need. Surround yourself with the vast collection of books and enjoy a good reading experience. You can also read 40+ newspapers and 100+ magazines if you don’t feel like reading a book.
Location
Sector 17, near the DC Office, Chandigarh
Timings
Monday to Saturday: 10:00 AM to 5:30 PM
Closed on holidays and the last Saturday of every month.
Capital Book Depot
Capital Book Depot is an ideal place for bookworms. If you are a peace-lover, then this place is the perfect spot for you. It has a wide collection of famous books, literature, and even photobooks.
Moreover, you can read various graphic novels and comics if you love anime. You will enjoy the aura of the Book Depot.
Location
Near MC Office, Sector 17, Chandigarh
Timings
Monday to Saturday: 11:00 AM to 8:00 PM
It does not open on Sunday.
Final Note
Reading books is an important aspect of life. No matter the amount of time you use your device to read something, you will need books to gain more insight and knowledge. Reading has seen different ages and despite everything available on the internet, none can surpass books. If you love reading, visit the best library in Chandigarh along with other amazing ones, and spend some quality time with yourself.
Education
Judiciary Coaching in Chandigarh: Best Coaching Centers
Chandigarh is known as one of the best cities in India for so many things. It has an excellent nightlife experience, it is filled with extravagant cafes, it has beautiful sightseeing places and a great hub of education and job opportunities. Just like every other field, students who opt for legal studies need a guiding light to excel in the field. Explore the best judiciary coaching in Chandigarh.
Judiciary Coaching in Chandigarh
If you are planning to excel in legal studies and want to prepare for judicial services exams, then you surely need good guidance in your life. Judiciary coaching centers provide a comprehensive study of the topics. They provide a well-planned structure of the content you need to focus on to prepare for exams.
Even though you feel you can self-study, you cannot entirely know the paper’s structure or what you need to study. That’s why coaching centres help you attain what you desire.
If you want to pursue legal studies as a career you should reach out to the judiciary coaching centers in Chandigarh.
Jury Law Academy
Jury Law Academy is a great choice if you want to pursue legal studies as a career. It also provides law entrance coaching. This coaching specializes in training aspiring law students for entrance examinations for major law schools and universities.
The Academy specializes in educating students for such competitive exams. These exams require a vast knowledge of legal concepts. They also need a focus on critical reasoning and analytical skills. Jury Law Academy excels in every aspect of cracking these exams.
It provides a One Year Programme, which is quite a popular course. The students got admission to their dream law schools with the help of the program.
Apart from that, it also provides a six-month programme specifically curated for cracking law entry exams. The probability of cracking those exams is always high with the academy. Furthermore, the academy also provides crash courses to students.
Location: SCO- 112, Sector 34A
Apex Legal Institute
Apex Legal Institute is another well-established coaching centre in Chandigarh. As the name suggests, it always provides the top education and learning for the students. Furthermore, the institute provides training for various exams.
It serves as a steppingstone to excel in the career of law. You can always ace your career with Apex Legal Institute and crack any competitive exam after receiving the best knowledge and education.
The institute offers training for various competitive exams preparation for Law Entrance Exams like AILET, CLAT, PU, and KUK. Furthermore, you can prepare for the Law Officer Exam, Legal Clerk, and UGC-NET in Law, with Apex Legal Institue.
You can always rely on the institute to clear out any competitive exam by learning from the most experienced, and well-qualified faculty members.
Location: SCO 136, Sector 24D, Chandigarh
Divine Institute for Judicial Services
Divine Institute for Judicial Services is yet another incredible institute for judicial training in Chandigarh. Students from all over India like Delhi, Himachal, Bihar, Orissa, Punjab, and others, have been a part of this coaching institute.
The institute has centres in Chandigarh and Ranchi, where the students receive excellent coaching and training. Divine Institute for Judicial Services is a dedicated faculty that offers the best education for the students.
It provides coaching services for the post of Civil Judge which is the entry point for judicial services in India. With its 12 to 15-month coaching period, students can extensively prepare for judiciary exams.
Moreover, the academy provides 3 days of free demo classes so that you can decide to join the academy for a bright future ahead.
Location- SCO 209, Sector 36D, Chandigarh
Latika Law Academy
Latika Law Academy is one of the leading law academies in Chandigarh. It offers a comprehensive guide to crack various judiciary exams. The students get to explore various aspects of law study.
It is one of the most renowned CLAT coaching institutes in Chandigarh. The sessions are interactive and resourceful. Latika Law Academy has an association with more than 10 colleges. It focuses on preparing for Judiciary services coaching like CLAT, and entrance tests for leading National Law Universities.
Students receive quality experience as the academy conducts mock tests, individual mentoring, admission counselling, and a group of experienced faculty. Open your doors to success with good judiciary coaching in Chandigarh.
Location- SCO 373, Sector 32D
Chandigarh Judicial Academy
Chandigarh Judicial Academy is a government-owned academy that believes in knowledge for Justice. The institute was set up by the efforts of the Supreme court. Chandigarh Judicial Academy was established after the Supreme Court decided to establish an institute for imparting judicial education.
The Academy gives the students excellent training to prepare them for national-level entrance exams. It also provides various courses. If you are looking for good medical colleges then apply to these 10 Best Medical Colleges in Chandigarh To Become A Healthcare Expert.
Location- Sector 43-D, Chandigarh
Anil Khanna Academy of Law
Anil Khanna Academy of Law is another amazing institute for students who want to pursue law as their profession. The Academy offers judicial training to students from across the state. Many students from Punjab, Haryana, Himachal, Odisha, and others, have been a part of the academy.
Anil Khanna, the owner of Anil Khanna Academy of Law held online classes during the Covid period. He has now started to take offline classes for students. The academy offers various courses, each has its own duration.
You can excel in various exams like UGC NET, and CLAT. State Civil Services. Furthermore, the academy offers training for becoming Assistant District Attorney, and others.
Location- SCO 145-146, Sector 17C, Chandigarh
Resilience Law Academy
Resilence Law Academy is not only popular in Chandigarh but also throughout India, it offers extensive and resourceful judicial exam preparation for all students. The academy has been a guiding light for many pursuing law as their career.
Apart from judicial exams, Resilience Law Academy also offers courses for UPSC and State Civil Services with law. Young minds are always given comprehensive training to excel in exams like CLAT and CET.
The Academy offers diverse training programs. You can always access the recorded lessons on your device anywhere you want. It provides a group of professional teachers for subjects like study Criminal Law and Civil Law.
Location- SCO 79, Sector 38-C, Chandigarh
Final Note
Judiciary has become a field of interest for many students these past few years. Therefore, gaining comprehensive exposure to the curriculum of the profession is important. Judiciary Coaching in Chandigarh is a success with these coaching institutes and academies. You should definitely consider applying to either of these coaching centres if you desire to excel in law. These institutions are a beacon of success and disappointment is not an option.
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