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40 Online Business Ideas with low cost

Business Ideas

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June 24, 2018

It is easy to start an online business nowadays. You just need few technical skills and internet connection which is available at a cost of peanuts. There are so many opportunities available for starting an online business. Here are 40 Online Business Ideas that you can start right away with a click of a button. These online business ideas do not require big investment even you don’t need an exclusive office to start with.

40 Online Business Ideas

Blogger

A first online business idea is blogging. Blogging means sharing useful content to the reader online on a website. You can select your own niche and start blogging. You can make money via advertising, affiliate marketing, info products and via other avenues.

eBook Author

If you love writing you can think of writing book and publishing it online. You can either publish an ebook at your blog or you can get it published to an online platform like amazon.

Virtual Assistant

A requirement of a personal assistant is now fulfilled by Virtual Assistant. You can offer your services of virtual assistant online. There are many websites that post requirement of virtual assistant online. As a virtual assistant, you just need to complete basic work of personal assistant online.

Also Read – 40 Small Business Ideas with Low Investment

Social Media Manager

Social Media Manager is a person that manages social accounts of leading brands. Social media manager moderate and create content such as video, image and other marketing material for social media. A good social media manager are always in demand.

Social Media Consultant

Another online business is a social media consultant. A social media consultant is expert that helps clients online instead of actually managing the account of the client.

Social Media Influencer

A social media influencer is a user on social media who had established credential in a specific industry. He/she carries a lot of followers online. He/she can influence the business and increase sale of product and services. If you have 5000+ social media follower you can think of becoming social media influencer.

Online Course Creator

Online course creation is another online business idea. If you have technical skills you can create an online course and sell them on your website, email list or YouTube.

Sell your own products

One of the simplest forms of online business is selling your own products. You can sell product either by making your own site or on facebook, twitter, and other social networking sites.

E-commerce Store

In line with the idea of selling own products, you can plan on starting your own e-commerce store. You need to make an investment in order to start your own e-commerce store.

Also Read – 150 Small Business Ideas in India with Low Investment

Business Coach

A business coach is a person that provides expert guidance about business. If you have the legal knowledge and business expertise you can become a business coach. You can become strategy execution consultant where you need to execute strategy designed by business coach or management. You can offer this services online via email or video chat or offline.

SEO Consultant

Search Engine Optimization is a specialized field. Many online companies opt for SEO services. If you are very good at Search Engine Optimization you can set up your own business for providing SEO Consultancy.

Affiliate Marketing

Affiliate marketing is a lucrative business option. In affiliate marketing, you need to become an affiliate of various online store to help them to sell their product. You will be paid commission on every sell.

YouTube Channel Partner Program

Become a YouTube channel partner and earn a lot of money. In order to do so, you need to shoot and upload a unique video on YouTube channel. After gaining popularity you need to apply for YouTube channel partner program. This program is for placing an advertisement in the video uploaded by you.

Podcaster

A podcaster is a person that creates an audio file similar to a radio broadcast. You can also start your own podcast and sell advertising or sponsorships online.

Customized product Store

If you can make a handmade customized product, you can set up your own online store of a handmade product. It is a very famous idea there are many stores like this which are selling customized products online.

Web designer

Next online business idea is web designer. If you have technical expertise in designing website and WordPress themes you can plan to start your own web design business online.

Also Read – 21 Online Business Ideas with low investment

Build Mobile Apps

The next business idea is building an app. In order to build the app, you should have technical knowledge about android programming. Once your app is ready you can place it online or on google play store. Earning from an app is possible by the making it paid product.

Graphic Designer

Another lucrative online business is a graphic designer. In this business, you need to design unique graphic for your client. It will be used for making an advertisement.

Domain Flipping

A Flipping domain is next online business idea. You can earn a handsome return by flipping domain online. However, you need to do research before buying a domain name. There are many online websites that provide a facility of domain flipping.

Freelance Writer

A demand of writer and content creators are growing. If you are good at writing you can offer your writing services to clients online.

Product Sell on Facebook

The next online business idea is selling product on Facebook. Facebook provides facility to make your own store or group online. Other like-minded people can become a member of this store or group and you can carry out marketing for product sell.

Create own Word Press Themes

A technical expert with knowledge of programming can create own WordPress theme. Once your themes are ready you can sell it online and earn a lot of money.

Create Word Press Plugin

The next online business idea is also related to WordPress. You can create WordPress plugins for achieving new functionality in the WordPress. This plugin can be sold to earn money online.

Sell Photos Online

A creative person with knowledge of clicking good photograph can think of starting a business related to photos. Unique photos are used for creating an advertisement. There are many websites ready to deal in photographs online such as photodune, istockphoto etc.

Online Travel Agent

Today lot of people prefer to book bus, train, air ticket online. So, starting online travel booking portal could be a profitable affair. You need to do tie up with bus, hotel and other travel operators.

Artificial Jewelry Website

Selling artificial jewelry is another lucrative business option. You need very low capital in order to start this business. However, managing logistics is a difficult task.

Also Read – 30 Manufacturing Business Ideas with Low Investment

Hosting Paid Webinars

A highly skilled person with extraordinary skill can host a web-based seminar, presentation or video. It requires unique skills to build and host a webinar. To host webinar you should be an owner of the website which is well known, with good traffic ranking.

Online book library

The next online business idea is online book library. In order to establish this business, you need to do investment as you need various books. You can keep subscription amount or membership fees along with a deposit for online book library.

Online Food Delivery

One of the unique online business is food delivery. In this business, you can partner with hotels and fast food center. Delivery of food on time is key to success in this business.

Online Tutor

Education is an evergreen field. If you have the skillset to teach students you can start your own online business or online teaching. You can do this either by making a video or conducting one to one training. This is a unique way of generating online income.

Online Advertisement Creator

The online advertisement has a huge market. Good Advertisement creators are always in demand. If you can offer your advertisement services to a business you can earn a lot of money.

Virtual Tech Support

Unlike virtual technical assistant, another option is virtual tech support. It is a profession where you need to support individual or business in solving technical problems. You can earn a lot of money via virtual tech support.

Online Customer Support

Online customer support is somewhat related to virtual tech support. However, in online customer support, you need to solve administrative and product related query of the customer.

Chatbot Maker

Making chatbot is another lucrative business option. Every website is now making chat bot for automatic response. If you are technically sound you can start own chatbot making business.

Press Release Writing

A press release is used to inform public about news, product, and services. If you have good writing skills you can become press release writer.

Proofreader

A proofreader is a knowledgeable person about language, grammar, and spelling. A proofreader is an author that act as editor for a client who wants to send work online.

Resume Writer

Resume writer is a person that helps writing a resume to the client. Apart from that, you can also help a client in writing cover letters.

Website Maintenance

Website maintenance is another lucrative online business idea. In this business, you need to manage and maintain websites of the client. You can charge fix yearly cost for this work.

Video Ad Creator

There are two types of video ADs. First is Video advertisement and second is text or image ad appearing on the video. If you are expert in creating an ad you can earn a lot of money.

Financial Consultant

A financial consultant is a person that helps clients in making a right investment decision. If you have knowledge about finance you can become a certified financial advisor and provide service online.

Reliance Nivesh Lakshya Fund NFO – Should You Invest?

Mutual Funds

Shitanshu Kapadia

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June 22, 2018

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Reliance Nivesh Lakshya Fund NFO – Should You Invest?

Reliance Nivesh Lakshya Fund is pure debt fund recently launched by Reliance Mutual Fund. The tagline of this fund is “Opportunity to capture current interest rate for the long term!” This clearly indicates this fund is for long term investment. It is claimed that this fund will offer prevailing interest rate for 25-30 years. In this post, we will take a look at Reliance Nivesh Lakshya Fund. Prior to discussing about Reliance Nivesh Lakshya let’s talk about long term investment and few options for investment.

Long term investment is made to fulfil long term goals. Few examples of long term goals include child’s education, marriage of child, tension free retirement etc. High risk investor generally select equity mutual fund and share market for the long term goal. However, low risk (conservative investors) avoid equity stock market and equity mutual funds. Few best long term investment options for the conservative investors are fixed deposit, PPF, Sukanya Samriddhi Scheme etc. All these investment options are prone to change in the interest rate. Looking at current falling interest rate scenario it’s not recommended to invest in fixed deposit, PPF or Sukanya Samriddhi Scheme. Reliance Nivesh Lakshya debt fund is one additional alterative for conservative investors.

Also Read – Best Stocks to buy in India for long term Investment

Reliance Nivesh Lakshya Fund – Investment Strategy

This fund is intended to invest in the long term fixed income securities including government securities at the current yields. This fund will also invest in commercial paper, certificate deposit, treasury bills, corporate bonds etc. Most of the securities would be bought and held till maturity.

The fund management team will try to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios.

The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques.

The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets.

Also Read – Top 10 Long Term Investment Options in India

Key Features of Reliance Nivesh Lakshya

To secure current prevailing rate for the long term.
Investment in debt and money market instrument with Macaulay duration above 7 years.
Opportunity to invest for long term with the flexibility to withdraw investments anytime.
Tax efficiency due to indexation benefit, applicable after 3 years.
Facility to withdraw money via systematic withdrawal option.

How to Invest in Reliance Nivesh Lakshya Fund?

Investment in fund is very easy. Follow the steps given below for making investment.

Step -1 Log in with your PAN number at Reliance Nivesh Fund Site.

Step -2 If you are existing holder of Reliance Mutual Fund portfolio it will ask you to select portfolio.

Step -3 On selection it will send OTP to your registered mobile number and email ID.

Step -4 Provide information about transaction and make the payment.

Should you invest in Reliance Nivesh Lakshya Fund?

Reliance Nivesh Lakshya Fund is unique debt fund designed for fulfilling long-term investment goals of investors. Long term here means minimum 10 years. This is to avoid capital loss due to change in interest rates.

This fund is best suitable for low risk investor and HNI (High net worth individual), who wants to protect and grow their hard-earned wealth without subjecting that to undue market risks.

This fund is also suitable for parents and grandparents who wants to create an inheritance for their lineal decedents.

Reliance Nivesh Lakshya is also suitable for the retirees who are aiming for comfortable retirement life. As this fund is expected to offer steady return on regular withdrawal.

The fund rating of this fund is moderate. This clearly means that it is suitable for moderate risk taker.

If you are young and high risk taker individual looking for long term investment option you should opt for good equity mutual funds or stocks for investment.

10 Factors that can Move Stock Price Upward

Stock Market

Shitanshu Kapadia

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June 19, 2018

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Stock prices — they’re like roller coasters, constantly rising and falling, keeping investors on their toes. But what makes them go up? Why does one stock soar while another barely budges? Understanding the factors that can move stock prices upward is crucial for anyone dipping their toes into the investing pool. Let’s break it down in simple terms and uncover the secrets behind those green arrows pointing north on your favorite trading app.

1. Earnings Growth

Earnings are the heartbeat of any company. When a company reports stellar earnings growth, it’s like fireworks for its stock price. Why? Because higher earnings mean the company is doing well financially, which attracts more investors.

For instance, imagine your favorite coffee shop suddenly starts making twice as much profit because it’s selling a trendy new drink. If it were a publicly traded company, its stock would likely jump as investors rush to grab a piece of the pie. Earnings growth signals stability and potential, two things investors absolutely love.

2. Positive Economic Indicators

The overall economy plays a massive role in stock movements. Think of the economy as the tide and individual stocks as boats. When the tide rises, so do the boats. Positive economic indicators like low unemployment, strong GDP growth, or increased consumer spending can send stock prices soaring.

Why? Because when the economy is thriving, businesses typically make more money, and investors feel confident putting their cash into stocks. It’s all about riding the wave of optimism.

3. Innovative Products or Services

Innovation is like rocket fuel for stock prices. Companies that unveil groundbreaking products or services often see their stock prices skyrocket. Why? Because innovation creates buzz and often leads to increased sales.

Think about tech giants like Apple. Every time they announce a new gadget, their stock price gets a boost. Investors see innovation as a sign that the company is forward-thinking and ready to dominate its industry.

4. Mergers and Acquisitions

When companies merge or one acquires another, stock prices can take off. Investors usually interpret these moves as a sign of strength and growth potential. For example, if a smaller company with a promising future gets acquired by a giant, the smaller company’s stock often jumps.

It’s like finding out your favorite local restaurant is now backed by a big-name celebrity chef — suddenly, everyone wants in.

5. Industry Trends

Sometimes, an entire industry gets a boost, and the rising tide lifts all ships. For instance, if renewable energy becomes the next big thing, companies in that sector might see their stock prices climb simply because investors are pouring money into the trend.

Being in the right industry at the right time can make all the difference. It’s like being the hot new band at a music festival — everyone wants to hear you.

6. Stock Buybacks

When a company buys back its own shares, it’s often a sign of confidence in its future. Plus, buybacks reduce the number of shares available in the market, which can drive up the price of the remaining shares.

Think of it like a limited-edition sneaker drop. The fewer pairs available, the more valuable each one becomes. Stock buybacks create scarcity, which can lead to higher prices.

7. Strong Leadership

A great leader can do wonders for a company’s stock price. When a visionary CEO steps in, it can spark renewed confidence among investors.

Take Tesla, for example. Elon Musk’s bold ideas and charisma have undeniably influenced the company’s stock performance. A leader who inspires trust and excitement can act as a magnet, drawing investors in.

8. Dividends and Dividend Increases

Dividends are like little thank-you notes from a company to its investors. When a company announces or increases dividends, it’s sending a signal that it’s financially healthy. This can make the stock more attractive, driving up its price.

It’s the equivalent of a restaurant giving out free dessert with every meal — who wouldn’t want to dine there?

9. Analyst Upgrades

Analysts have a lot of sway when it comes to stock prices. If a respected analyst upgrades a stock and raises its price target, it’s like a seal of approval. Investors take notice and often start buying, pushing the stock price upward.

It’s like getting a glowing review from a famous critic — suddenly, everyone wants to try the product.

10. Market Sentiment

Finally, let’s talk about vibes. Market sentiment — the overall mood of investors — can significantly impact stock prices. If investors feel optimistic, they’re more likely to buy stocks, driving prices up. This sentiment can be influenced by everything from news headlines to social media chatter.

Think of it as a crowd at a concert. If everyone’s pumped, the energy is contagious, and the experience is electric. Similarly, positive market sentiment can create a buying frenzy.

Wrapping It Up

Stock prices don’t just move on a whim. They’re influenced by a complex mix of factors ranging from economic conditions to company-specific news. By understanding these 10 factors, you’ll be better equipped to make informed investment decisions.

Remember, investing is part science, part art, and a sprinkle of luck. But with the right knowledge, you can tilt the odds in your favor. So, next time you see a stock price climbing, think about these factors and what might be driving the movement.

FAQs

1. Can stock prices rise indefinitely?

Not usually. Stocks might climb for a long time, but eventually, they’ll face corrections due to market cycles, economic changes, or company-specific challenges.

2. How can I predict stock price movements?

While no one can predict stock prices with certainty, analyzing company fundamentals, industry trends, and market conditions can help you make educated guesses.

3. Do stock prices always reflect a company’s value?

Not always. Stock prices can be influenced by hype, speculation, or market sentiment, which may not align with the company’s true value.

4. What role does investor psychology play in stock prices?

A huge role! Fear and greed drive a lot of stock market behavior. Positive sentiment can push prices up, while panic can bring them down.

5. Are stock buybacks always good for investors?

Not necessarily. While buybacks often boost stock prices, they can also signal that the company lacks better growth opportunities.

Invest wisely, stay curious, and keep learning. The stock market may seem like a roller coaster, but with the right approach, you can enjoy the ride!

10 Free Credit Cards in India – With No Annual Fee

Credit Cards

Shitanshu Kapadia

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June 16, 2018

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A free Credit Card means a card without any annual fees or charges. These types of cards are free to hold for a lifetime. In other words, there are no annual fees or charges to hold this card. You just need to pay for what you use.

Free Credit cards help customers reduce the overall cost of owning a credit card. However, mostly all credit card companies waive annual fees only if customers spend a certain amount in a year. You should check the terms and conditions before opting for a credit card.

If you want to save money on annual fees and joining fees here are 10 Free Credit Cards in India with No annual fees.

10 Free Credit Cards in India – With No Annual Fee

The free credit cards in no particular order is given below.

Citibank Rewards Domestic Credit Card
Central Bank of India Titanium Credit Card
HSBC Visa Platinum Card
HDFC Moneyback Card
ICICI Platinum Chip Credit Card
ICICI Bank HPCL Coral Credit Card
Kotak Royale Signature Credit Card
Kotak League Platinum Credit Card
SBI Simply Save
Standard Chartered Platinum Reward Credit Card

Also Read – Best Credit Cards in India 2019

Citibank Rewards Domestic Credit Card

The first free credit card in the list is Citibank Rewards Domestic Credit Card. No annual fee is applicable for this card if you spend annually Rs.30000 or above. If you don’t cross annual spend limit you need to pay Rs.1000 annual fees. The benefit offered by this card is given below.

Features and Benefits –

10X Reward Points for every Rs125 spent at Apparel and departmental store
Up to 15% saving across participating restaurants
1000 bonus points on first Rs.1000 spend
Personal Concierge Services
Gift Vouchers Benefits

Citibank Rewards Domestic card is the Best card for Rewards.

Central Bank of India Titanium Credit Card

Central Bank of India Titanium Credit card is premium credit card available with no issuance fee. This card is widely accepted at all merchant outlets across the world. You can even use this card for ATM withdrawal. The key features of this card are given below.

Features and Benefits –

Highly secured card with OTP generation on every transaction.
55 days of credit free card usage facility.
Auto Debit Facility available for this card.
Complimentary airport lounge access facility

Central Bank of India Titanium Credit card is best suitable for low-income group people. To apply for this card gross annual income should be 1.5 Lakh per annum.

HSBC Visa Platinum Card

HSBC Visa Platinum Card is one of the best cards without any annual or joining fees. This card offers multiple benefits such as cash back, free movie voucher & fuel surcharge waiver.

Features and Benefits –

10% cashback up to Rs.3000 with a minimum spend of Rs.30000.
15% discount as dining privileges in major cities.
Fuel Surcharge Waiver
Movie Voucher Offer
Multiple reward and discount on selected products.
Free Credit Period up to 52 days.

HSBC visa platinum credit card is best for rewards and cashback. No joining or annual fee is applicable for this card.

Also Read – 15 Types of Credit Cards in India and Usage

HDFC Moneyback Card

HDFC Moneyback as the name suggests it is best suited free credit card in India for Money back purpose. Rs.1000 is annual fees applicable on this card. However, this fees can be waived off by spending Rs.50000 annually. Key features of HDFC Moneyback Card is given below.

Key Features and Benefits –

2x Reward Points on online shopping
Redeem reward point as cashback
Zero liability on lost card
Fuel Surcharge waiver
Spend Rs.50000 in a quarter and get Rs.500 E-Voucher

HDFC Moneyback card is best for cashback. This card is offered to both salaried and self-employed.

ICICI Platinum Chip Credit Card

In free credit cards list, one of the top credit cards is ICICI Platinum Chip Credit Card. This card is value for money as it provides multiple benefits and rewards. This includes annual fee waiver. Key benefit detail of this card is given below.

Features and Benefits –

Annual fee waiver on an annual spend of Rs.50000 or above
15% saving on dining bill
Fuel surcharge 1% waiver
Earn 2 payback point on every Rs.100 spent
An extra PIN-based security feature
Eligibility for this card is stringent and it is offered to eligible corporates only

This card is most suitable for first-time credit card user and corporate employees.

ICICI Bank HPCL Coral Credit Card

The next best free credit card by ICICI bank is HPCL Coral Credit Card. This card is best suitable for getting extra savings on fuel. The features of ICICI platinum chip card and this card is somewhat similar. This card also offers annual fee waivers on annual spent of Rs.50000 or above.

Key Features

Get Rs.100 off on movie tickets twice per month.
15% saving on dining bill
2.5% cashback on fuel spent on HPCL petrol pump
Fuel surcharge 1% waiver

If you are spending a lot on fuel you can use this card to reduce your fuel bill.

Kotak Royale Signature Credit Card

Kotak Royale Signature Credit card is a lifestyle credit card. This card is offered with an annual fees of Rs.999. However, these fees can be waived at an annual spend of 1 Lakh.

Features and Benefits –

4x and 2x Reward points
Fuel Surcharge Waiver
Free access to Airport Lounge
5 Lakh cover against fraudulent usage

Kotak Royale Signature Credit Card is best suitable for lifestyle expenses.

Kotak League Platinum Credit Card

Another best free credit card from Kotak is Kotak League Platinum Credit Card. Kotak League Platinum Credit card is also a lifestyle credit card with multiple reward benefits. The joining fee for this card is NIL. The annual fee is Rs.499 which can be waived off if you spend Rs.50000 in a year. The key features of this card is given below.

Key Features

You can Earn up to 8X reward points on every Rs. 150 spent
Rs.500 movie Voucher as joining gift
Fuel surcharge waiver
Credit Card League shield – Protection cover for card
Easy Reward Redemption

This card is best suited for middle-class people. The annual income requirement for this card is Rs.5 Lakh.

SBI Simply Save

SBI Simply Save is another best free credit cards. An annual fee is applicable on this card. The fee can be waived if your annual spend is 1 Lakh or above. Key Features and benefit details of this card are given below.

Features and Benefits

Enjoy 10x Reward per Rs.100 spent on Dining, Movies, Department stores, and Grocery
Fuel surcharge waiver
Auto utility bill payment
Cash on the Go Facility

SBI Simply Save is the best card for saving extra money.

Also Read – Credit Card Loan or Personal Loan – Its your Choice

Standard Chartered Platinum Reward Credit Card

Standard Chartered Platinum Reward Credit card is one of the best free credit cards. A special advantage of the Standard Chartered Platinum Reward Credit card is the card provides a lucrative offer of 20% cashback per month on Uber rides. This means you can save sa ustainable amount on Uber rides per year. An additional benefit offered by this card is given below.

Additional Benefits

No Annual and Joining Fees
Earn 5 reward points for every Rs.150 spent on dining outlets and on fuel.
20% discount for first-time user of the big basket.
1000 reward points on the first transaction of a credit card.
Additional 500 reward points for registering online banking.

Note –

There is no free lunch in this world. Everything is charged or bundled with hidden charges. You should go through the most important terms and conditions before opting for any credit card.

Final Thoughts

Finding a free credit card in India doesn’t mean you have to compromise on perks. These cards offer fantastic benefits like cashback, rewards, fuel waivers, and discounts — all without an annual fee. Whether you shop online, travel, or simply want a backup payment option, there’s a perfect zero annual fee credit card for you.

FAQs

1. What does “lifetime free credit card” mean?

A credit card with no annual or joining fee for the entire tenure.

2. Can I apply for multiple free credit cards?

Yes, but managing multiple cards can be tricky. Choose wisely!

3. Do free credit cards have hidden charges?

Most have no hidden charges, but always read the terms & conditions.

4. Can students apply for these credit cards?

Some banks offer student-friendly credit cards, but they usually require a fixed deposit.

5. Do free credit cards offer airport lounge access?

Yes! Some, like Yes Bank Prosperity Rewards Plus, provide lounge access.

6. How do I improve my credit limit?

Regular spending, timely bill payments, and a good credit score can help.

7. Are these free credit cards accepted worldwide?

Most Visa and Mastercard credit cards are internationally accepted.

8. What happens if I don’t use my credit card?

If inactive for a long time, banks may deactivate or reduce the credit limit.

9. Do these credit cards offer EMI options?

Yes, most allow EMI conversion on large purchases.

10. How do I check my credit card application status?

Visit the bank’s website and use your application reference number to track it.