Should we consider NFA as superior to NFTs?

The topic of NFTs has been gaining popularity in recent months, mostly because of celebrities’ engagement in them. It has been a recurring topic in the space of crypto, as some investors decided to put huge amounts into some tokens. The case of the $69 million purchase of a digital art piece by Beeple has been the prime example of the scale of some NFTs.

When popular influencers, Logan Paul, for instance, started to speak more and more about their NFTs, the wider publicity got suddenly interested in the topic. So, for all of those, who are not yet familiar with the concept, let us explain it briefly. Basically, the tokens are something unique that could not be duplicated or replaced, and therefore granting the owner the full ownership of the said file. This could be anything, from the mentioned art piece to some abstract concepts, or even the video of LeBron James dunking (this particular one got sold for $208,000).

How was the concept of NFTs greeted?

There were two distinct reactions among the public to the NFTs. On one hand there was an important question about the main purpose of it, as it could seem abstract to pay such sums for something that could be literally watched online. Others believe that NFTs are an important step towards the new digital era, as they allow implementing the new basics of digital private property. NFTs show us (on a smaller scale), how the proofs of ownership should be handled.

Nick Ayton, who founded and is the CEO of Chainstarter Ventures, has been trying to answer the question whether NFTs are anything other than Emperor’s new clothes. As he has a huge experience in AI (Artificial intelligence), as well as quantum computing, his expertise became really valuable when it came to assessing the vulnerabilities of NFTs, and the possible trouble with third-party involvements. Finally, he stressed how NFAs (non-fungible assets) should replace NFTs (non-fungible tokens).

There is still a lot to be found out about NFTs

The transactions are still something new, and there is a high risk that a lot of people engaged in it do not really understand the risks that it brings. Of course, currently there is a big hype around the tokens, but we can never know how the prices will behave, once the dust will have already settled down. There is also a popular misconception about the non-fungibility notion, as the tokens are not digital assets. Rather than that, NFTs should be considered as digital certifications, an online ownership verification tool.

Nick Ayton argues that tokens are a proxy. They really do not hold any value, and do not represent it. In general, NTF is a simple mean of exchange, and when you are purchasing one, you are buying just the token. The fundamental issue with it is that the transaction is not peer to peer. In fact, it’s separated with a different one, being done between an individual and miner. To put it in short – you’re not buying anything from another ‘user’, but rather making a transaction between your wallet and miner.

To read more about this very problematic topic, you should definitely join the Disruption Banking website, where you will find a brilliant piece by Benjamin Jenei. The author gives a really interesting and in-depth analysis of the possible dangers, and what is more important, precisely explains the nuances of how the NFTs work.

In the piece, you will also find a really compelling interview with Nick Ayton, who as an expert in the field. Through his impressive experience, he was actually able to shed some more light on some pressing issues that appear with NFTs. Ayton is currently working with Zenotta AG, the Switzerland-based company. It has an aim of establishing a sustainable electronic trading system that would be based on peer-to-peer transactions. That is where the proposal of non-fungible assets comes in. If we manage to make data intelligent and (what’s most important) unique, we’d actually be able to make it have some value. Currently, this is impossible in the token-based model. To see why, use the link and access the brilliant piece by Benjamin Jenei:

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Digital Banking Trends In 2021

The advent of COVID and the subsequent acceleration of digital transformation has caused radical changes in customer behaviour, shifted significant portions of the economy online, and increased customers’ comfort and willingness to engage digitally. The challenge now is for banks to deliver compelling, emotive digital products and services that elevate the human experience to meet the demands of this new normal.

What Is Digital Banking?

Digital banking means digitizing every aspect of banking, from front end to back end. In other words, digital banks rely on artificial intelligence to automate back-end operations, such as administration and data processing-which, in turn, reduces the pressure placed on the employees. Besides the ability to make deposits and transfers remotely, digital banks also provide customers with customized money management services and an easier way to apply for loans.

What Can We Expect?

The growing demand for digital banking services has driven numerous technological innovations within financial institutions in recent years, with artificial intelligence (AI) playing an integral part. How else will the digital banking trends of 2021 shape the banking industry?


Leading banks are placing banking automation near the top of their agenda. Banks can benefit from branch automation programs in several ways, including improved customer satisfaction and loyalty, more responsive and efficient operations, and tighter compliance and fraud detection.

Adapting to meet heightened consumer demands for more efficient ways to self-serve digitally, there has been an increase of more customers ‘setting and forgetting’ auto payments.

In addition to being able to manage their finances all in one place, customers also seem to expect banks to manage their finances for them.

Real-Time Payments

Pivotal to the advancement in the banking industry is how Real-time Payments (RTP) offer immediate availability of funds, settlement finality, instant confirmation, and integrated information flows, all in a payment made within seconds. Combining speed, data, and communication, RTP is the answer to long-standing challenges.

P2P payments are gaining traction beyond being able to instantly pay a friend or split a bill, according to a study. In addition, P2P payment solutions make spending easier to track safely and conveniently.


In every facet of their daily lives online, consumers have come to expect and crave personalized experiences, and banking is no different. Customers view companies that provide fast, easy, and personalized connectivity as caring.

Since consumers are doing their own competitive shopping online and getting their information without ever venturing into a branch or calling customer service, banks and credit unions need to ensure they are using the right technology to accommodate the new digital paradigm.

To Conclude

Despite several uncertainties about the future, the outline for how financial services will look post-COVID-19 is beginning to emerge. In the next six to twelve months, banks have the unique opportunity to reimagine their retail banking offerings in order to build trust and loyalty among customers through frictionless and emotive digital propositions. Rather than view digital as a cost-saving tool, banks should consider how they can offer banking value through digital. It will be a challenging journey to transform business models digitally because the challenges are many. The first step is deciding where to start, and then prioritizing the actions and journeys that will yield the best results. Since digital transformation is no longer optional, there is no reason not to start sooner rather than later.

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You might have across the investment terms diversification and asset allocation quite often. These are essential concepts used while constructing a financial plan. However, often investors end up using these investment terms interchangeably. Though both these investment concepts aid in managing portfolio risk, are these two terms related? If yes, how exactly? Let’s explore that in this article.

What is asset allocation?

It is an investment strategy that allows investors to balance risk vs rewards by determining the right percentage of each asset class in a financial portfolio. This determination is basis the investment horizon, financial goals under consideration, and the income flows of the investor.

Traditionally, there are three main asset classes in the investing world – equities, debt, and cash and cash equivalents. One can also add precious metals (such as silver, platinum, gold, etc.) or real estate, and alternatives such as other collectables, coins, and art to this asset class mix.

Note that, the portfolio risk adopted is not done on some random whims, but a consequence of an investor’s wealth status.

So if you are an individual with a low risk appetite, or if you are nearing your retirement, your asset allocation strategy would be different than someone who is in their 20s or 30s or someone who has a high risk profile.

Why must an investor invest in different asset classes?

The basic principle behind investing in different asset classes is that when you invest in an array of asset classes that aren’t highly correlated, an investor can successfully reduce the volatility of an investment portfolio. What’s interesting to note here is that it is compulsory for the asset classes to be negatively corelated.

Note that, histrocially, bonds and equities do not move in same direction and the correlation between both these asset classes are low.


Is your portfolio risk fully accounted for with just mere asset allocation strategy? What if an investor invests all their particular asset class such as debt or equity into a single fund or stock? Imagine Raj has a single stock in their portfolio while Ramesh has 10 stocks in his investment portfolio. So in case of Raj, if the company that he has invested in suffers business loss due to any reason, his investment portfolio could take a huge beating. On the other hand, in Ramesh’s case, if any one of the companies that he has invested in suffers business loss, it would not impact his investment portfolio to a huge extent as he is heavily diversified across various stocks. One stock going bad would only impact 1/10th of this investment portfolio.

However, note that though diversifying your portfolio can be quite beneficial to your portfolio, over diversification might turn the tables around and might not be as effective. Experts believe that if an investor diversifies their portfolio beyond 20 or 30 stocks, it would be counter-effective and not make much sense. You can choose to diversify your investments across asset classes (debt, equity, cash and cash equivalents), location (international funds, national funds, regional funds, etc.) and also sector funds. Next time you choose to invest in mutual funds, keep these points in mind. Happy investing!

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5 Mistakes That People Make While Taking a Personal Loan

Personal loans tend to be of great use when one has to meet unforeseen or urgent financial expenses. Considering that a lot could be going on in the mind of the borrower at the time of seeking such kinds of loans, it is understandable that they make some mistakes along the way. This article will essentially take you through some of the common mistakes made by potential borrowers while indulging in the process of taking a personal loan so that you can avoid them while you’re trying to arrange those emergency funds for your needs. Read on to know more.

Borrow loans beyond their repayment capacity: Due to the fact that some forms of personal loans do not need any form of collateral for it to be granted, people tend to take on more loans than they can repay. The same would eventually cause an undue burden of credit upon the borrower and could also become a cause of them defaulting, which has a set of negative implications of its own. It is due to this reason that one must try to live within their means by not letting the EMI obligations exceed a particular threshold. As a rule of thumb, one must give away 10% of their net yearly income at the most as EMI instalments.

  1. Applying for a loan from the first lender they come across: It is advisable for an individual to compare the personal loan details and terms laid out by different lenders so that they can apply for a personal loan that they feel most comfortable paying. If a future borrower undertakes such a task, they might be able to save up on interest amounts and, ergo, it will be easier for them to get out of debt.
  2. Submitting way too many personal loan application forms: In a desperate situation, where one needs money fairly instantly, they can fill in multiple personal loan applications and submit them to various lenders. And, thanks to portals such as Finserv MARKETS, one can do that in a matter of a few moments. That is not to say that such portals are to blame. In fact, if used wisely, portals such as Finserv MARKETS can be extremely useful to those who are looking to apply for personal loans and credit cards quickly and in a hassle-free manner. However, one must remember that every time a loan application is received by an executive representing the lending institution, they instantly pull up their credit reports, and every time such a thing happens, credit bureaus such as CIBIL or Equifax tend to make a note of the same. If the credit history inquiries are received by these credit bureaus way too many times, the borrower, who is essentially causing the lenders to seek that kind of information several times, is deemed to be credit hungry. Once a potential borrower has been branded as a credit hungry individual, they tend to also lose out on credit score points, making it difficult for them to secure a personal loan in the near future.
  3. Ignoring the fine print: One must always check the fine print of the personal loan they are considering taking. Additionally, one must make sure that they are aware of any charges that have not been discussed explicitly when the initial conversations surrounding the same were happening. It is due to this reason that a future borrower must always go through the aforementioned document in great detail so that they can prepare for, or even avoid, any unpleasant surprises in the future.
  4. Lack of an established balance between one’s loan repayment tenure and EMI payments: One can always lower their EMI obligations by opting for a long personal loan repayment tenure. While this will most certainly reduce their personal loan monthly EMI obligations and subsequently reduce their financial burden, they must remember that such a step must only be taken if they anticipate difficulties paying off the loan within a shorter frame of time and not simply because they have that option.

A personal loan can bring a person the financial relief that they may have been looking for if they are used wisely. It is due to this virtue of a personal loan that one must know and understand everything about them and the ideal way of applying for a personal loan so that they can avoid any kind of pitfalls. You can always learn more about the same on portals such as Finserv MARKETS, which help people secure the kind of credit they need almost instantly.

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Ways To Get Online Loans Without Credit Check

One of the most challenging parts of getting a personal loan is the compulsion of a credit check, which seems inevitable. But with the varied online options available, online loans with no credit check is possible too. However, these loans come with a high rate of interest, but if you can search properly, you will get the same site where you can get online loans without a credit check.

Check Your Credit Score

It’s always a wise choice to check your credit score before moving for online loans with no credit. To become eligible for a personal loan, there’s a qualifying credit score and report. In addition, there are three consumer credit bureaus where you can request free copies of your credit scores. However, all the lenders do not necessarily follow the scores and reports of all the three bureaus or sometimes follow the report of only one bureau.

Where To Get The Loan?

People generally demand online loans with no credit check due to their lack of credit, and many don’t get approval for the loans as they don’t have enough credit. The lenders usually do this check before issuing personal loans as these are unsecured or may charge high interest rates due to the same reason. So, to make sure the borrowers can return the amount, the lenders ask for credit checks.

The loans like high-rate installment loans or payday loans usually don’t ask for credit checks. There are also loans for a vehicle, such as a pawn loan requiring no credit check. But the costs of these loans are pretty high and make become challenging to repay.

However, there are many other options online where online loans with no credit check can be taken. Some of these options are:

Search through various payday apps, where loans are given based on income. You can also reach out to certain credit unions and ask about such loans. You may also very a loan based on your income if you have an account at a small or community bank. If you know the bank manager personally, ask them to grant you a loan based on your income. Certain companies offer loans to their employees too. Find out about such an offer in your office. If failed on these above, you may also take loans from your friend or family members as they will never check your credit report before lending.

These options are quite reliable and also don’t require any credit check. So, if you search for online loans with no credit checks, you should try out these tips. Whenever we think about loans, it stresses us about credit and the amount we can mortgage, but when we have online loans with no credit check, why worry?

As stated in the above article, all you have to do is, find your calling and the option which suits your needs. You can throw all your worries out, and get the loan you have desired for.

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Sukanya Samriddhi Yojana Calculator 2021

An Overview – SSY Calculator

Sukanya Samriddhi Yojana Scheme is a small savings scheme launched by the Indian government. The scheme was created with the goal of improving the lives of women in India. Applicants of the plan can obtain greater returns of 7.6% and tax benefits of up to rupees one lakh fifty thousand lakh.

What is the Sukanya Samriddhi Yojana (SSY) Calculator and how does it work?

After entering all of the essential information, the SSY calculator calculates the value that will be sanctioned upon maturity. A minimum of one contribution per year for 14 years is required to complete the procedure efficiently.

  1. The individual is assumed to contribute the same amount each year.
  2. No donations are required from the 15th to the 21st year. In addition, interest is calculated based on past contributions made during the scheme’s lifetime.
  3. The SSY calculator takes into account the interest earned while entering the final sum.

Aspects to Consider

The following are some of the points covered under the SSY calculator’s operation, which define how to use the calculator and how it works:

  1. To make the calculation, you’ll need to know the girl’s age and the amount of money you put in.
  2. The scheme requires a minimum commitment of Rs.250.
  3. The maximum contribution is Rs.1,50,000.
  4. The scheme’s maturity period is 21 years.

Maturity Value Calculation

Here’s how to figure out the maturity value while keeping the monthly and annual contributions constant. The following are the assumptions used in the calculation:

  1. The interest rate will be 7.6% for the whole 21-year scheme period.
  2. On the first of each month, contributions are made.
  3. Every year on April 1st, yearly donations are made.
  4. The monthly and annual contribution amounts are fixed.
  5. During the scheme’s 21-year lifespan, no withdrawals are made.

Advantages of Using the SSY Calculator

The SSY calculator can be used by Sukanya Samriddhi Yojana Scheme applicants to determine the final amount at the end of the scheme’s tenure. The calculator aids in calculating how much money can be saved through the scheme.

  1. Allows applicants to assess the amount that will be credited following maturity.
  2. Allows candidates to see their maturity value on a monthly and yearly basis.
  3. Errors made during manual calculations are no longer an issue.

Eligibility requirements

  • A girl child’s age shall not surpass ten years.
  • The girl must be an Indian citizen.
  • Deposits into the SSY Account can be made in a variety of ways.
  • The applicant must deposit a minimum of Rs.250/- in the Sukanya Samriddhi Account every year for the next 14 years, as stipulated.

Any of the following methods can be used to make a contribution:

  • Cash Cheque
  • Demand Draft
  • E-Transfer at the bank or post office concerned.

While presenting the instrument of deposit, the depositor must sign and indicate the beneficiary’s name and account number. The date on which the sum is credited to the account will be the date of encashment if the mode of deposit is check or demand draught. If you deposit using E-Transfer, the date of deposit will be the same as the date of encashment.

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Start a SIP – Calculate how much corpus your monthly SIP can generate

The secret is wealth creation is starting early with saving and ensuring that you invest a portion of what you save regularly. Some people feel that savings alone are sufficient to build a long-term corpus, but the truth is that inflation tends to consume most of what you have saved over the years. This is why a lot of financial advisors suggest people start investing according to their risk appetite.

Even today, a lot of Indians rely on conventional investment avenues like PPF and bank FDs to target their long term and short-term financial goals. However, the interest rate on these is so low that it becomes almost impossible to achieve a wealthy corpus by solely investing in these. Investors need to diversify their investment portfolio with market linked schemes like mutual funds.

Mutual funds are a pool of professionally managed funds that invest in a diversified portfolio of securities to generate returns. Mutual funds do not guarantee returns and hence investors should invest according to their risk appetite. To allow themselves to invest small sums regularly so that they can achieve a wealthy corpus over the long term, investors can consider starting a SIP in mutual funds. 

What is SIP?

Systematic Investment Plan or SIP is a simple and convenient investment approach where retail investors can invest small fixed sums at periodic intervals and try to build wealth over the long term. SIP can make you rich by invest very low sums monthly. Nowadays, with a monthly investment sum as low as Rs. 500 retail investors can create wealth via SIP if they continue to invest regularly till their investment objective is accomplished.

Now, investors can even make use of the SIP calculator to determine how much they need to invest to achieve the targeted financial goal. 

What is SIP Calculator?

When you are investing for an investment horizon spanning over 5 to 7 years, you need to know how much wealth you are can create with the SIP at the end of your mutual fund investment journey. Here’s an example of how a SIP calculator helped Saroj achieve her ultimate goal of buying a dream home.

Saroj wanted to buy her dream home which cost around Rs. 30 lakhs at the time she started investing. Saroj knew that inflation will amount to the same house to cost Rs. 50 lakhs 20 years from now. She knew she had to build a corpus of Rs. 50 lakhs but wasn’t aware of how much she needs to start investing so that at the end of her investing journey she has collected the desired corpus.

Saroj took the help of an online SIP calculator which needed her to answer a few simple questions:

  1. How much money does she want to earn totally?
  2. How much is she currently investing in mutual funds via SIP?
  3. For how many months she will be investing this SIP sum?
  4. What is the average rate of return expected from the mutual fund scheme?

Once she provided all the necessary details, Saroj realized that she needs to start investing Rs. 5600 per month if she wants to build a corpus of Rs. 50 lakhs assuming the mutual fund scheme will deliver a 10% average rate of return throughout the investment horizon which is 20 years.

She was only investing Rs. 4000 earlier, but after using the SIP calculator she realized that she would not be able to buy her dream home if she didn’t invest adequately.

SIP calculator doesn’t take into consideration expense ratio or exit load (if applicable) and investors must note this before using it to draw an estimate on their overall returns.

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SIP Calculator – Analyse financial goals & calculate return on SIP

To invest in mutual funds, one can either go with the lumpsum investment option or they can opt for a Systematic Investment Plan (SIP). A lumpsum investment is usually made by the investor at the beginning of the investment cycle and they can buy units in large quantities at the scheme’s current NAV (Net Asset Value). On the other hand, a Systematic Investment Plan doesn’t require investors to receive large investment sums. They can invest small fixed sums at periodic intervals and create wealth over the long term.

If you are planning on investing in mutual funds via SIP, you can now draw and estimate your overall returns using the SIP calculator, a simple and easy-to-use online tool. A SIP calculator is designed in such a way that any layman can use it to their advantage.

What is a SIP Calculator?

A SIP calculator is a free online calculator which can tell investors the maturity amount that they will receive through their SIP investments made in mutual funds. A SIP calculator is popular among mutual fund investors who are investing by making regular and systematic SIP investments. This calculator allows an individual to draw an estimate on the returns which he or she will be earning at the end of their SIP investing journey.

Since this calculator can only draw estimated returns, the actual returns may vary depending on the expense ratio of the schemes in which you invest. The SIP calculator doesn’t take into consideration the expense ratio or exit load (if applicable) while estimating returns.

How does a SIP Calculator work?

A SIP calculator normally works on the following formula –

M = P × ({[1 + i]n – 1} / i) × (1 + i)

Where –

M represents the amount you receive upon maturity

P represents the amount you invest at regular intervals

n represents the number of payments you have made

i represents the periodic rate of interest

How to use the SIP Calculator?

There are a few basic details which investors need to enter for the SIP calculator to come out with results. They need to –

  • Enter the SIP sum which they will be investing or are currently investing every month
  • They need to enter the number of months / years in which they will be investing this sum (for example, 60 months or 5 years)
  • Finally, they need to enter the expected rate of return in percentage which the mutual fund scheme
  • might deliver during their investment tenure (for example 8%, 12%)

There are some online SIP calculators which may ask investors to enter the total sum which they want to collect over a specific investment horizon and then suggest the SIP sum which they need to invest regularly to achieve that goal.

Analyze goals before using SIP calculator or starting SIP in mutual funds

A lot of first time mutual fund investors who are excited to begin their investment journey often make a rookie mistake that can be avoided, investing without any specific goal. Having a clear perspective on why you are investing a particular amount will only allow investors to ensure that they are committed to their SIP investments till their investment objective is accomplished.

Investors who know which financial goal they want to achieve with SIP in mutual funds may also be able to use the SIP calculator more productively than others. You don’t want to start a SIP that will only take you halfway towards your financial goal and for this, it is better to have a realistic goal that can be achieved through systematic investing.

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How ‘buy now pay later’ differs from personal loan?

Ecommerce websites are finding newer avenues to lure customers into buying stuff. While discounts, deals, and cashback have become more important than ever, ‘Buy Now Pay Later’ has been introduced by several online sellers to make life easier for buyers. With BNPL, you can purchase the product of choice even if you are short on funds and pay the entire sum at a later point in time.

Although this sounds like an exciting proposition on the part of the online sellers, the concept here resembles a credit card more, instead of a personal loan. BNPL, without a doubt, is slowly emerging as one of the most sought-after online payment schemes and it might not be surprising to see it capture 9 percent of the payment-specific market scheme by the end of 2024.

However, you can even get a personal loan to buy a product of choice, which is an entirely different approach as compared to the BNPL.

How do Personal Loan and BNPL differ?

  • Loan Value

As mentioned, BNPL doesn’t offer cash in hand and is only meant to ease your eCommerce purchase. Therefore, if you want products valued at less than Rs . 1 lakhs, BNPL can be a reliable option to consider. However, a personal loan puts cash in your hands and is the best way forward if you need a bigger sum to manage concurrent expenses.

  • Repayment

Here comes the tricky part that drastically separates these two credit availing schemes. BNPL requires the borrower to pay out the sum within 15 to 30 days, in full. However, if the amount is a sizable one, you can even opt for a 3-month EMI scheme. Personal loans are way more flexible in this regard as you can borrow the sum and select the repayment tenure at 12 to even 84 months, depending on the EMI value you wish to pay.

  • Interest Rates

Personal rate interest rates are fixed. This means, your EMIs will be calculated as per the interest rate agreed upon with the lender in the first place. However, interest calculation can be a tad complex when BNPL payments are concerned. If you plan on paying the sum within the stipulated time frame, the lender doesn’t charge any interest.

However, for delayed payments, the interest rates are more like the revolving credit card liabilities.

  • Goals

As far as the requirements are concerned, BNPL is mainly used to purchase premium goods by paying nothing upfront. Personal loans, however, are more conducive to handling emergencies like house renovation, marriage, higher education, and more.

In addition to these differences, procuring a personal loan and a BNPL facility are also dissimilar when it comes to documentation. Unlike a personal loan that requires several authenticating documents, BNPL depends on your eligibility, eKYC, and credit score.


While a BNPL is quite effective and rewarding, it is advisable to get a personal loan for managing scenarios more complex than shopping online. However, if you are confused regarding lenders, pick one at the Finserv MARKETS and get the best deals on any lending scheme.

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Best Online Trading Platform for Beginners 

Getting started for new investors can be quite overwhelming. There are so many risks involved plus the unfamiliar market jargon and multiple options of brokers to choose from. As a new investor, the best online trading platform is however the one that offers the following benefits.

Easy Customisation

Most of the trading platforms have their app. Trading is more convenient on the app. Your app should ideally have an easy customisation option. Such as, in Jiffy, you can change the “Theme” from Light to Dark, change the “Order Notification” sound, and “Enable Fingerprint” option to access your app easily.

Easy Funds Check

Easy access to funds in your trading platform helps to add funds or check the margin available for trading. In Jiffy trading app, you can go to your profile and check all the details of your “Pay-In”, “Pay-Out”, “Collateral Option” and “Account Balance” in the Funds section. Also, you can check the “Transaction History” for your trading by customizing the type of Order and Date.

Easy Order Page

The Order page gives a clear idea to traders about daily trading. In Jiffy, there is a clear and classified Order column for keeping account of the everyday trade. There are four sections in the Jiffy Orders section – “Pending” (orders waiting for execution), “Executed” (successful orders), “Trades” (overall orders in a day) and “Others” (orders that are rejected).

Scrip Info & News Corner

Before trading, it is always essential to check the basic information about the Scrip. In Jiffy, you get the following information about a scrip :

  • Volume
  • 52 Week H/L (Highs/Lows)
  • Average Traded Price
  • Delivery %
  • Circuit Range
  • Market Capitalization
  • Face Value

Also, there is a News Corner below the Scrip, so that you can stay updated with the latest news before deciding to buy/sell the Scrip.

Home page – Index Option

For regular day and intraday trading, having an Index Option on the home page helps in trading. In Jiffy, you can select “Nifty”, “Sensex”, “Bank Nifty”, “Gold”, “Currency” and “Volatility Index” for easy trading.

Multiple Watchlist

If you have multiple Watchlists, you can define your investment or trading ideas along with actively keeping watch on the Scrips in your app. You can add Scrips from the Top Gainers and Top Losers in your Watchlist and closely monitor them for trading potential.

Advanced Technical Charts

Technical charts with advanced tools and features help in the proper analysis of a scrip. In Jiffy, you get upgraded charts with colour options, chart studies and drawing tools to analyse the scrip. Also, it comes with a Buy and Sell option for quick trading based on Chart Analysis.

IPO Alerts

It is not easy for an investor to track every IPOs getting launched in the market. Jiffy sends notifications on the app to its customers so that they can check the details of an IPO and apply for it. Also, you can check the upcoming IPOs in the Jiffy app.

Research Calls and Reports

For investors, market knowledge is of utmost importance for regular trading. Jiffy provides research-related calls and reports provided by the Choice Research Team for making you an informed trader.

Dedicated Customer Support

Most traders stop using their accounts because they lack guidance and help. When you open an online Demat and trading account with Choice, you get calls from a dedicated Relationship Manager. Also, you have Jiffy Support, which helps with quick resolution to your trading queries and problems.


To conclude, if you want to be successful in the stock market, you have to consider the platform that you choose for trading. The Jiffy web and app is designed for users in such a way to give users an easy and fast trading experience along with the knowledge required for successful trading. Download the Jiffy app now.

Brief by Milind – Write about Jiffy App and Web.

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