You are reading the article Most Preferred Payment Methods In India updated in February 2024 on the website Tai-facebook.edu.vn. We hope that the information we have shared is helpful to you. If you find the content interesting and meaningful, please share it with your friends and continue to follow and support us for the latest updates. Suggested March 2024 Most Preferred Payment Methods In IndiaAs the concept of money changes, the nature of payment methods in India also evolves.
‘It is money that makes the world go around,’ so the saying goes, and it is valid to some extent; it is very little you can get done without the exchange of money these days. Over the years, how people pay for goods and services has changed. There are many forms of making payments that don’t require physical money. For the most part, one can buy, sell and transact without ever holding a Euro or Pound or Rupee in their hand. From card payments to services like google pay, we now have the convenience of not carrying cash or coins.
Upon closer inspection, specific industries would not exist if there were no cash alternatives; take iGaming. For instance, online bets are made via online payments; this wouldn’t be possible if the technology did not exist. To
deposit with Astropay Card in 10CRIC
takes less than 10 minutes and all it requires is your phone, simple, right? We sometimes take these things for granted, because this was not always the case.
The Evolution of MoneyIndia and the Cashless Push
As countries worldwide push for digital transactions and cashless payments, India joins in the massive cashless exodus. In 2024 started to demonetize its currency by removing from circulation the Rs 500 and Rs 1000 notes; according to the Prime Minister, then the aim was to curb the impact of black money and help push India towards being a cashless economy. Though the motive may have been good, what the politicians forgot to look at was the country’s informal sector, which made up 93% of the labor force. The push to cashlessness or digital money would not benefit the poor. As with most developing economies, those living below the poverty line still operated in cash and bypassed the banking system entirely, and to expect them to go digital and cashless and they did not even own a cellphone would be unfair. A simple example would be the recycling industry, where collectors collect garbage and dump it at their homes for sorting, from paper and glass to hair used for wigs or stale bread to make animal feed. Once sorted, they would bag it, and it would be weighed by the buyers, who would then calculate the value of the items and pay the collectors in cash. The buyers would then do the same thing when selling to the processing plants.
Plastic and Digital MoneyPopular Payment Methods
This is the most convenient way of transacting, whether in-store or online. Certain online stores in India offer customers discounts if they pay with a credit or debit card. As of 2023, the percentage of people over 15 years with either a credit or debit card was sitting at 32.72%. In 2023 there were over
Payments through PayPal offer convenience and flexibility. In April, however, Paypal announced it would no longer facilitate domestic payments in the country. Despite this, Paypal remains a popular form of payment, especially among businesses that trade internationally.
Paytm is a mobile-based wallet payment method with an account linked to the user’s app. You can shop through it, pay utility bills and send money. It supports over 70 foreign currencies it has zero transaction fees for start-up businesses.
Pay U Money
This payment method allows businesses and individuals to send and receive money across India. Even unregistered businesses can make and request payments. There is an invoice generator on the app, and customer support is available 24/7.
This is a user-friendly and flexible app loved in India, especially for young people. Its mainly used to make online payments for videos and music. It allows businesses to receive payments from customers on social media platforms like Instagram, Facebook, and Whatsapp. Other payment methods like Apple Pay, Google Pay, and Samsung Pay are used and accepted in all significant franchise and retail stores. There are some limitations, some regions don’t have the functionality, and some customers don’t own suitable mobile devices. People distrust digital payment methods mainly because of the surge in online scams, identity theft, and cybercrimes.
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The British Railway Clauses Consolidation Act of 1845, which forbade common carriers from charging one client more than another for the same service, marked the beginning of the legal acknowledgment of economic discrimination. Discrimination was defined in nineteenth-century English and American common law as unjust distinctions in economic transactions.
In addition to the aforementioned problem in the British Railway Clauses, a hotelier’s capriciously refusing to give rooms to a particular customer would be considered economic discrimination. The purpose of this early legislation was to prevent discrimination by Protestants who might be hostile toward Catholics or Christians who might be hostile toward Jews.Meaning of Economic Discrimination
The act of discriminating against something or someone based on one or more specific economic factors is known as economic discrimination. In other words, discriminate based on one’s ability to pay. Prices, employment conditions, and wages could all be contributing factors to this prejudice.Causes of Economic Discrimination
We can point out a number of the factors that contribute to economic prejudice. However, the following might be the most typical −
Racism, Sexism, Age − Any discrimination that manifests as economic discrimination and is motivated by one of the following categories: gender, age, nationality, religion, etc., is similar to how employers who hire foreign workers often pay them less.
Comfort and Efficiency − Minorities are so fragmented in many countries that allocating resources to address an issue that goes ignored is ineffective. To put it another way, you are not trying to avoid it by not being obnoxious.
Profitability − When dealing with particular ethnic groups is uninteresting financially, it is one of the most frequent causes, along with the first. Economically speaking, discrimination occurs when providing goods and services tailored to certain particularities is unprofitable and we choose to serve the wider population instead.
Tradition − Economic prejudice has its origins and roots throughout history. Because of ingrained beliefs and the effects of previous generations, discrimination against minorities is a cycle that keeps happening all across the world.
The institution of slavery is frequently referred to as America’s “original sin” because it is the cause of all current racial issues. Racial residential segregation, which continues to be a major source of economic hardship for African Americans in modern US society, is a result of racially prejudiced incidents like these. In 2023, funding for schools in predominantly white areas was $23 billion more than that for schools in historically African American ones.Forms of Economic Discrimination
Economic discrimination takes a variety of forms. Inequitable employment practices come in second place as the most prevalent type of discrimination. However, discrimination against minority consumers and business owners exists in a number of contexts, and there are nations outside the United States that practice religious or racial discrimination.Wage Discrimination
Numerous studies have revealed that, in the United States, a number of minority groups—including black men and women, Hispanic men and women, white women, gay men of any race, and trans people of any race—suffer from lower wage earning for the same job with the same performance standards and responsibilities as heterosexual white and Asian males. The numbers vary from research to research, but the majority show that affected minorities have, on average, lower earnings than other groups by 5 to 15%.Hiring discrimination Against Consumers
Due to stricter legislation against such tactics, discrimination against consumers has mostly lessened, yet it still exists in both the US and Europe. Price and service discrimination are two of these prejudices most prevalent forms.Discrimination Based on Price
Charging various persons with varying prices for goods and services based on their race, ethnicity, religion, or sex is discrimination based on pricing. Price discrimination, a distinct economic concept, should not be confused with it. Price-based discrimination may include, but is not limited to −
Higher prices for essential services (health care, repair, etc.).
The costs associated with per diem rates have gone up (for example, one individual might be charged $40 while another is charged $100 for the same service).
Not providing discounts, specials, rebates, etc. to people of color
Greater insurance costs for people of color.Services Discrimination
Despite the fact that pricing discrimination refers to services, service discrimination occurs when minorities are only given access to subpar or no services at all. Since it is more challenging to confirm and establish, the majority of consumer prejudice, according to at least one research, goes into this group. Several claims of discrimination have been made, such as −
Offering only expensive insurance options,
Refusing to ensure minorities, declining to provide finance to minorities,
Withholding services from minorities.Against Businesses
Suppliers, banks, and other sources of capital funding may all discriminate against minority-owned enterprises. The majority of these cases take place outside of the US, since doing so has tax benefits and even perks for public relations. According to a Babson College study on the “State of Businesses Owned by Women of Color,” women of color are starting businesses three-to-five times more frequently than all other business types.Example of Economic Discrimination
Last but not least, we can use a scenario in which economic discrimination takes place in the corporate world as an illustration. This is a result of the owner(s) being members of a minority. Well, imagine a scenario in which suppliers and financial institutions refused to work with a specific business. a business that is not given enough attention, is not provided with raw materials, is not provided with raw materials of the same quality as other businesses, or is not given finance, preventing it from competing on an equal footing with other businesses in the market.
Last but not least, we can use a scenario in which economic discrimination takes place in the corporate world as an illustration. This is a result of the owner(s) being members of a minority.
Well, imagine a scenario in which suppliers and financial institutions refused to work with a specific business. a business that is not given enough attention, is not provided with raw materials, is not provided with raw materials of the same quality as other businesses, or is not given finance, preventing it from competing on an equal footing with other businesses in the market.Economic Discrimination and Indian Law
Prima facie, Part III (Fundamental Rights) of the Constitution of India strictly prohibits discrimination based on caste, religion, gender, and place of birth and provides for the right to equality, the right to freedom of occupation, and the right to freedom of trade and commerce.
Besides, time to time, the government of India keeps legislating various legal provisions and policies to address economic discrimination. For example, The Scheduled Castes and Scheduled Tribes (Prevention of Atrocities) Act, 1989, provides for the prevention of atrocities against members of the Scheduled Castes and Scheduled Tribes. The National Rural Employment Guarantee Act, 2005, guarantees 100 days of employment per year to rural households.
Further, the government also runs several affirmative action programs, including reservations in government jobs and educational institutions for members of the Scheduled Castes, Scheduled Tribes, and Other Backward Classes. The government also provides financial assistance and subsidies to small and marginalized businesses.
In spite of these legal provisions and programs, economic discrimination continues to be a significant challenge in India. The perseverance of discrimination is due to a range of factors, including social attitudes, some discriminatory cultural practices, and historical legacies of discrimination and inequality. Therefore, addressing economic discrimination requires a sustained effort from the government and society at large to change attitudes, promote equality, and create opportunities for all.Conclusion
Numerous aspects of people’s lives, including education, employment, housing, and the criminal justice system, are impacted by discrimination. Economists frequently use one of two models to explain discrimination: one based on biased “tastes” for discrimination, and the other based on insufficient data that results in statistical discrimination.Frequently Asked Questions
Q1. What is social inequality?
Q2. What do you mean by Racial discrimination?
Ans. Any form of prejudice towards someone based on their race, ethnicity, or skin tone is known as racial discrimination. By refusing to interact socially, conduct business with, or share resources with members of a certain group, individuals might engage in discrimination. Governments may practice de facto discrimination or express it blatantly in the law.
Q3. Define the term Statistical discrimination?
Ans. Theoretically, statistical discrimination occurs when economic agents (consumers, workers, employers, etc.) have incomplete information about the people they contact, leading to racial or gender inequity.
The field of Data Science today has evolved much more and become the most demanded domain across industries. This field of study involves scientific methods, algorithms, processes, and systems to pull out meaningful insights from both structured and unstructured data for effective decision making and predictions. As a multi-disciplinary domain, data science has enabled businesses across the world to assess market trends, analyze users’ metrics, envisage potential business risks and make better decisions.
The field of Data Science today has evolved much more and become the most demanded domain across industries. This field of study involves scientific methods, algorithms, processes, and systems to pull out meaningful insights from both structured and unstructured data for effective decision making and predictions. As a multi-disciplinary domain, data science has enabled businesses across the world to assess market trends, analyze users’ metrics, envisage potential business risks and make better decisions. In India, businesses are quickly capitalizing on this newly emerging field to garner more from their data and deliver more value to customers, leading to a rise in demand of data scientists. According to a Great Learning report , the country is expected to see 1.5 lakh new openings in Data Science in 2023 , an increase of nearly 62% compared to the last year. As the competitive business landscape is evolving than ever, understanding the users and their preferences accurately has become critical for companies. This is where the role of data science comes into the scenario, making it possible to create and leverage time-saving automated models to get insights into a user’s purchase history, age, income level, and related demographics. Since the data science field is rising at an unprecedented rate, the huge demand for data science talent with less than five years of work experience is most among BFSI (38%), followed by Energy (13%), Pharma and Healthcare (12%), and E-Commerce (11%), among others. BFSI is the highest average salary offered industry to a Data Scientist stood at INR 13.56 LPA, which is followed by manufacturing and healthcare (INR 11.8 LPA each), and IT (INR 10.06 LPA), the report noted. Meanwhile, as companies across almost every industry are looking to acquire skilled and qualified talent who can navigate through everyday issues with innovative and right solutions, the supply of skilled professionals is far lesser than the demand. According to our estimations, there are major skills gaps in the field of big data professionals (58%) in 2023 at a global level. In order to close these gaps, academia, governments as well as organizations must carry out innovative ways to support future minds and derive value from that to spur economic growth. There is a need to implement re-skilling and up-skilling initiatives for data scientists at both corporate and academic levels. The data science professionals will also be expected to have specialized skills in data across all industries, making up-skilling a mandatory job. While the Great Learning report identified four unique career paths in the data science field including Data Scientist Data Analyst , Data Engineer and Business Intelligence Developer, the need for rapid up-skilling and adequate guidance has become indispensable. Moreover, investing in data-driven decisions and technology can also add value to businesses, easing the specialized talent shortage and enabling companies to drive efficiency.
The Internal Revenue Service or IRS is expected to send Coronavirus stimulus check to over 80 million Americans as a result of the US government’s $2.2 trillion aid package to help businesses and households survive during the pandemic.
IRS has started hosting a Get My Payment portal to help people track the status of their payments but within moments of its rollout, several users are facing issues when checking for the status of their relief money. As expected, the “Payment Status Not Available” message can leave people guessing if they’re even entitled to receiving the check, in the first place.
If you’re one of those who are eligible to receive the $1,200 relief check but are getting a “Payment Status Not Available” error, then this post will help you analyze what could be the actual problem behind it and help you with a resolution, if there is any.
Check your eligibility
You will only receive the Economic Impact Payment if you meet the following requirements:
You are either a citizen, permanent resident, resident alien, or qualifying resident alien of the US
You possess a valid Social Security number
You’re not dependent on another taxpayer
For tax filers: Your income is under a preset amount that’s based on the filing status and your qualifying children. Your adjusted gross income should be under
$75,000 if you’re an individual
$112,500 if you’re the head of the household
$150,000 if you’re married and filing for joint returns
For Non-Filers: Your income did not exceed $12,200 ($24,400, if you’re married) in the year 2023
For taxpayers with higher than a particular income: If your income comes under any of the following criteria, you will still receive the economic impact payment with some cuts. The criteria are as follows:
Between $75,000 and $99,000, if tax is filed as single or married separately
Between $112,500 and $136,500, if you’re the head of the household
Between $150,000 and $198,000, if you’re married and filing for joint returns
You’re NOT eligible if you belong to any of the following categories:
Your income is greater than $99,000 ($136,500 if you’re a household head or $198,000 when filed together as married)
You are dependent on someone else’s income tax return like a child, student, or a person dependent on a parent’s return
You do not possess a Social Security number
If you have filed any of the forms – Form 1040-NR or Form 1040NR-EZ, Form 1040-PR or Form 1040-SS
You are a nonresident alien
Can you receive payment without filing a tax return?
Yes, you are eligible to receive economic impact payment even if you haven’t filed an income tax return but only on a few conditions. These include:
You’re either a U.S. citizen or a permanent resident
Your income in 2023 didn’t exceed $12,200 (or $24,400 if married)
You receive any of the following benefits – Social Security retirement, SSDI, survivors benefits, SSI, or Railroad Retirement
Who can receive economic impact payment automatically?
If you’re an eligible taxpayer residing in the US, then you won’t need to take any action in the Get My Payment portal. If you belong to one of the following criteria, you are eligible for receiving economic impact payment automatically on your account:
You have filed the federal income tax for 2023 or 2023
You belong to any of these categories – Social Security retirement, Supplemental Security Income (SSI), disability (SSDI), survivor benefits
You receive Veterans Affairs benefits
You get Railroad Retirement benefits
Make sure you provide the following information correctly
One of the basic reasons for the ‘Payment status not available’ error to pop up could be because of human error. The IRS won’t be able to complete the payment if you entered information with even a slight difference from what’s on record. If you wish to avoid the payment status error, you might want to provide the following details correctly on the Get My Payment portal:
Your full name
A mailing address that you use currently
Date of birth
A valid Social Security number
Your bank account type, account number, and routing number
An Identity Protection Personal Identification Number, if provided to you by the IRS
A state-issued identification or Driver’s license
Details regarding each of your qualifying children – Name, Social Security number, Relationship to you/your spouse
Did you file your taxes for the years 2023 and 2023?
If you didn’t file your tax returns for 2023 or 2023, the ‘Payment status not available’ error might appear on your screen. You can either file an income tax return for 2023 with the IRS or use the Non-Filers: Enter Payment Info Here tool to get your payment quickly.
You can use the Do I Need to File a Tax Return? tool to check if you’re required to file a tax return for 2023. Here, you will have to enter regarding your basic information, filing status, and tax withheld.
Did you file taxes quite recently?
If you’re someone who filed your tax return for 2023 recently but you’re seeing the ‘Payment status not available’, then chances are that your return has not been processed yet. If you filed your return recently, it’s best left if you give IRS some time to use your information to calculate the right payment for you. The authority says that the Get My Payment data gets updated once a day and you can check if you’ve received the payment once every day.
Did you file your taxes through Turbo Tax, Credit Karma, or other tax apps?
The ‘Payment status not available’ error message can also show on your screen if you’re someone who filed your taxes with the help of third-party tax preparation services like Turbo Tax, Credit Karma, or H&R Block. As explained by some users on Reddit (1,2,3) and The Washington Post, the IRS seems to have not obtained details regarding the direct deposit when users utilized these services for tax preparation.
Do NOT check your Get My Payment application during off hours
IRS has clearly mentioned that its Get My Payment service will be unavailable between 10 p.m. and 1 a.m. Eastern time during the following dates:
April 23, 2023
April 24, 2023
April 25, 2023
These timeframes are labeled as planned outages as the IRS will conduct maintenance during the stated time. Moreover, users don’t need to check for payment status more than once per day as the IRS only updates the portal once a day.
Your bank could be unable to check your account balance
Ever since the US government approved the $2.2 trillion aid package to its citizens, it’s not just the Get My Payment portal that has gotten overcrowded due to too many people using the same queries, even bank portals have started reporting issues.
Since a bank account is a second-best way for people to track whether they’ve received their relief money, these portals have also started getting overloaded. CNET reports that US banks including Captial One, PNC Bank, US Bank, Chase, and more are getting issues because of increased usage.
Did you get locked out of your Get My Payment account?
Besides getting the ‘Payment status not available’ error, you could also potentially get the Try again later after you enter your details on the Get My Payment portal. IRS says that if the information you enter does not match its records, then you will get an error message. If such an error occurs multiple times, users will be locked out of their Get My Payment account for the next 24 hours.
Look out for scams in the disguise of economic impact payments
IRS has warned people to avoid scam artists who could use the economic impact payments as a cover to take away your relief money and with it, your personal information. It’s important to note that IRS WILL NOT make phone calls, send texts or emails or contact you via social media regarding your Coronavirus stimulus check. Contact the IRS if you have faced such a situation.
Check with your spouse if you filed returns jointly
If you’re married and you filed your returns jointly with your spouse, then you should know that either spouse can access the Get My Payment portal to check the status of your payment. Check with your spouse if they provided all the information or if security questions were answered correctly. Once your identity is verified, both spouses will be shown the same payment status.
Evaluate how your payment will be sent to you
IRS says that upon processing, the payment will be sent to you whether by direct deposit or mail. If you want your stimulus check in the quickest way possible, then you should provide the Get My Payment account with all your bank information so that the relief money is directly deposited in your bank.
Check which bank account you’re expected to receive payment in
By default, IRS will use the bank information that’s available from your recent-most tax return. However, you can change your bank account information when submitting your ‘Get My Payment’ application or ‘Non-Filers: Enter Payment Info Here’ tool. You CANNOT change your bank account after the payment status turns to pending or processed.
If your bank account has changed since filing your tax return, you can update the changes on your Get My Payment application until the payment is ‘scheduled for delivery’ as mentioned in the image provided above. You can only change your bank account information if you did not use a direct deposit on your recent-most tax return or if the direct deposit was refunded.
In case the bank account that you previously used for tax returns is closed, your relief payment will be sent to the address that’s filed in your last return.
You can no longer use the ‘Non-Filers’ tool if you’re an SSA and RRB recipient with Dependents
If you’re an SSA and RRB recipient with a child and you don’t normally file a tax return, then you can no longer use the ‘Non-Filers: Enter Payment Info Here’ tool as you have crossed the deadline date for submission which was set for April 22, 2023. You will only receive the $500 per qualifying child after claiming the 2023 tax return.
Are you a U.S. citizen living abroad?
IRS will also send you the Coronavirus stimulus check if you’re a U.S. citizen currently residing outside the country. If you have a valid Social security number and aren’t dependent on another taxpayer, you can receive the economic impact payment by filing the Form 1040 or Form 1040-SR.
Even citizens living in Puerto Rico, the U.S. Virgin Islands, American Samoa, Guam, or the Commonwealth of the Northern Mariana Islands are eligible to receive the relief payment.
Demand for robotics experts is skyrocketing year over year
With the world entering the industrial revolution age, the use ofAccenture
Job Role: Microsoft Robotic Process Automation Application Developer Location: Pune Job Description: Candidates for this role will be responsible for UiPath Process Automation Development; infrastructure setup and management for the UiPath application; interacting with BAs, PM and business to understand the processes to be automated. They will require performing technical feasibility check for the process to be automated; and providing design and development estimations for the processes to be developed. Requirements: • 4 years of experience in RPA UiPath development • In-depth knowledge and exposure of RPA and UiPath tool • Experience throughout the entire RPA project lifecycle • Good Communication skills • Minimum of 15 years of EducationNICE Actimize
Job Role: Robotic Automation Engineer Location: Pune Job Description: Robotic Automation Engineers will be responsible for understanding detailed requirements for functional and flow to automate web applications and backend services. They will require to review stories in detail to participate in grooming, sprint planning, and assess automation efforts; performing hands-on automation execution; work closely with PM and Developers to deliver high-quality releases for production. Requirements: • Demonstrated ability to design and configure automation using a variety of technical skills (e.g. Pure webservices, SQL-based data conversions, UI, etc.). • Experience working as part of a team on large scale IT customization and implementation projects. • Prior experience working with Selenium & Robot Framework will help • BE/BTech in CS or equivalent with overall 7+ years of experience and recent track record in Automation planning and execution of mission-critical multi-tenant SaaS applications. • Hands-on project experience of one of the leading Robotic Process Automation (RPA) tools like Automation Anywhere, UI Path, Blue Prism, APA, etc.IBM
Job Role: Automation Engineer Location: Bangalore Job Description: The Automation Engineer will work for the Local Apps Squad in CIO Network Engineering Deploy ISA, with a particular focus on development, deployment and rollout of Local and Global CIO programs as necessary in support of Network Engineering initiatives deployment for the ISA/APJ Market. Requirements: • Total experience of 8 to 10 years with minimum 5 years of relevant experience in Application Development using Python, Flask Framework, Docker Containers, REST APIs • Working knowledge of Agile Framework • Knowledge of Networks Infrastructure which includes, but not limited to, LAN / WAN and other Voice and Data networking technologies • Along with technical skills, knowledge and experience in Relational and NoSQL Databases, Structured Query Language, UI Development, IBM standards for application development, ITSS Security Compliance Standards are beneficial. • Working knowledge of Agile project management and experience in using Project Management/Agile Tools like JiraRapyuta Robotics
Job Role: Software Engineer I – Robotics Location: Bangalore Job Description: For this role, candidates’ responsibilities include, but are not limited to, collaborate in a team to design, develop, integrate and maintain a robust team of autonomous robots in semi-structured and dynamic environments. They will need to contribute to the deployment and testing of system; identify bottlenecks and bugs, and devise solutions to these problems; and contribute to software design reviews, architecture reviews, and best practices. Requirements: • Bachelor’s degree in Computer Science, or a similar technical field of study, or equivalent practical experience with an outstanding track record • Demonstrated ability to design, implement, and test scalable and highly available software systems in a fast-paced environment • Strong proficiency in C++, with a fair knowledge of the language specification and at least 1-2 years of hands-on experience • Computer Science fundamentals in algorithm design, problem-solving, and complexity analysis • Strong communication skills and ability to work well in a team environmentNVIDIA
Job Role: Senior System Software Engineer Location: Pune Job Description: As a part of NVIDIA’s GRID Software team, the candidate will require to design, architect, prototype and implement complex Windows services and applications. They will work closely with partners, UX and UI designers on new products or features/improvements of existing products. They will also need to deliver solid code and working features that provide the appropriate level of security, performance, reliability and scalability, and provide technical leadership to fellow engineers, designers, and partners to develop, review and maintain the product. Qualifications: • 7+ years of proven experience in C / C++ / VC++, Windows API (Win32 Programming), Windows Socket Programming, Multi-threading, COM / DCOM-ATL, STL. • Proven track record of work on Windows OS with in-depth knowledge of Windows Internals. • 7+ years of hands-on experience in Windows Programming & debugging Windows applications using various debugging tools (e.g. WinDbg, Visual Studio, Sysinternals Suite, etc). • Strong knowledge of Data Structures, Algorithm Design, Design Patterns and OOP concepts. • Strong knowledge of user space application concepts such as multi-threading, synchronization, IPC/RPC, etc.SAP
Solid State Drives or SSDs are the fastest forms of storage available for laptops out there. These drives promise faster boot times, faster read/write speeds, and an overall boost to the laptop’s performance. With the technology becoming more of a trend nowadays, many manufacturers have started adopting the technology. Now, with so many options available to choose from, which one should you go with? Well, fret not, as we bring to you our list of 17 best SSD laptops that you can buy in India in 2023.Best SSD Laptops You Can Buy in 2023 Best Budget Laptops with SSD 1. Asus VivoBook 15
The Asus VivoBook series of laptops have slowly been gaining popularity in the country, thanks to the great hardware it offers along with a compelling price tag. Take the Asus VivoBook 15 for example. The laptop comes with an 8th-gen i3 processor combined with 4 GB of DDR4 RAM along with a 256GB SSD storage. All of this, packed inside a beautiful package that weighs just 1.7kg, and a price that is bound to appeal to everyone. The Asus VivoBook 15 also comes with a fingerprint sensor on the touchpad which makes use of the Windows Hello feature. Additionally, the keyboard on the device resembles the ones found on the earlier gen Macbooks and is super comfortable to type on.
2. Acer Aspire 3
If you’re looking for an affordable laptop that is fast and gets the job done, this one is for you. One of the best SSD laptops on offer, the Acer Aspire 3 is a fantastic machine, especially considering its price tag. The laptop packs in an 8th-gen i3 processor coupled with 4GB of DDR4 RAM, along with 256GB of SSD storage. The Aspire 3 is also one of the slimmest and lightweight laptops out there, making it super portable. And thanks to the great hardware, the laptop should handle all your basic tasks quite swiftly. Besides that, the laptop also offers a Full HD display and a dedicated fingerprint sensor which are usually found on higher-end devices.
Buy from Amazon: Rs. 30,9903. HP 15s-DU0050TU
You don’t want to spend a lot, but want to make a style statement? Well, the HP 15 series is just what you’re looking for. The HP 15 series is known for combining decent hardware with appealing looks and the HP 15s is no different. The laptop comes with a 7th-gen i3 processor, paired with 4GB of RAM along with a 256GB of SSD and 1TB of HDD storage. The HP laptop comes in the super-sleek profile making it one of the best looking laptops in its price bracket. The sleek-looking casing with an exquisite natural silver design makes the HP 15s a very appealing device and also the one that performs just as good.
Buy from Flipkart: Rs. 35,997Best Mid-Range Laptops with SSD 4. HP Pavilion x360
If you can increase your budget slightly, I would recommend you to go with HP Pavillion x360. Not only it comes with a 256GB of SSD storage, but it’s a 2-in-1 laptop with touchscreen ability and convertible body. Also, it’s a Pavilion series laptop which means you get the best of HP design, keyboard, display, and everything. In terms of internal specs too, the laptop packs a fairly decent i3 8th-gen processor and 4GB of DDR4 RAM. Having said that, the best part about this laptop is that you get an active stylus bundled free of charge. No need to buy a separate inking pen and that is awesome. So, if you are a student or someone who works on creative projects like art and doodles then HP Pavilion x360 is the best laptop you can get at this price.
Buy from Amazon: Rs. 42,9905. Acer Swift 3
Buy from Flipkart: Rs. 46,9906. Asus VivoBook 15 (Core i5 8th Gen)
Asus is again offering a top-notch, premium laptop for power users with the Intel Core i5 8th-gen processor. It packs in 8GB of RAM and 512GB of SSD storage which is awesome for running multiple highly-intensive tasks side by side. Other than that, the prime feature of this laptop is its 15.6-inch Full HD, anti-glare screen. Asus calls it the NanoEdge Display which is almost bezel-free and frankly looks beautiful. Besides, you get a backlit keyboard, fingerprint sensor, and amazing battery life. Simply put, Asus VivoBook 14 is a no brainer at this price point and you can surely go for it.
7. Apple MacBook Air (2024 Model)
The laptop that needs no introduction – Apple’s MacBook Air. The MacBook Air is an ultra-portable laptop that should satisfy all your basic computing needs, and then some more. Sure, the 5th-gen i5 processor has run its course, but it’s still quite good and the performance is more than acceptable for day to day usage. Not to forget, the laptop comes with 128GB of SSD storage and 8GB of LPDDR3 RAM. Thanks to the macOS present on the system, you get a stellar battery life and amazing performance. If you’re looking for a lightweight and ultraportable Apple machine, the MacBook Air is still a trustworthy device and you can definitely go for it.
Buy from Flipkart: Rs. 59,9908. HP Envy 13
The HP Envy 13 is another Envy series laptop in our list, for the same reasons that we have mentioned above. The Envy 13 is a head-turner, with the beautiful bezel-less display and exquisite looks it offers. But that’s not the only thing that’s good about this device, it packs in some serious hardware as well. Combining an 8th-gen Intel Core i5 processor with 8GB RAM, the device carries a 256GB SSD for super-fast storage. Also, the 13.3-inch display on this device is one of the best in the market out there. The best part is that the laptop weighs just 1.32kg so you can easily carry it wherever you go.
Buy from Flipkart: Rs. 69,9909. Lenovo Ideapad L340
If you are looking for a powerful laptop with top-end hardware at the most affordable price, the Lenovo Ideapad L340 fits the bill perfectly. It comes with a combined storage of 128GB SSD and 1TB HDD, but that is not the prime feature of this laptop. Under this price, you get NVIDIA Geforce GTX 1650 which is simply bonkers. The GTX 1650 is found mostly on top-end devices and you are getting it at such an amazing price. Not to mention, it packs the flagship 9th Gen Intel Core i7 processor and 8GB of DDR5 RAM. In all aspects, the Lenovo Ideapad L340 ranks at the top and you should not miss this powerful machine at all. Also, the L340 is targetted for both gamers and users who want a powerful laptop for video editing, CAD rendering, and similar resource-intensive tasks.
Buy from Flipkart: Rs. 72,990Best High-End Laptops with SSD 10. Apple MacBook (2024) 11. DELL XPS 15 7590
While MacBooks surely come with top-end hardware, some users don’t prefer a macOS device. In that case, you can go for the Dell XPS 15 7590 which is considered one of the top laptops in the Windows ecosystem. Of course, the XPS 15 comes with 512GB of SSD storage and 16GB of DDR5 RAM. But the specs don’t end here. You also get the 9th Generation Intel Core i7 processor with NVIDIA GeForce GTX 1650 on top of it. That makes it one beastly machine. So, if you always wanted a top-end Windows laptop with SSD storage, high-end graphics, flagship processor and a solid design to boot then the latest Dell XPS 15 7590 is what you need.12. HP Spectre x360
The Spectre series by HP is considered the most high-end and beautifully crafted lineup of laptops. They are impeccably designed both from inside and outside. And same is the case with the HP Spectre x360. It has a convertible body with a touchscreen display having an excellent FHD panel. Apart from that, the Spectre x360 packs in the latest 10th Gen Intel Core i7 processor with 16GB of RAM and 512GB of NVMe SSD storage. And for resource-intensive tasks, you get Intel’s Iris Plus Graphics which is not in the same league as Nvidia but certainly quite capable. To put it straight, the HP Spectre x360 is a solid machine and you should definitely take a look.
Buy from HP: Rs. 1,58,99013. Asus Zenbook
The ZenBook lineup has Asus’ flagship laptops and considering the hardware under its hood, the devices are surely one of the best in the market. Recently, Asus released the Zenbook Duo which has a unique form factor. It comes with a secondary display called ScreenPad Plus, similar to the touch bar on Macbooks, but consider it much larger in size and function. You can do a lot of multi-tasking in one tap and frankly I love it. As for the internals, it comes with the latest Intel Core i7 10th Gen processor which is great. Along with that, you also get 1TB of SSD storage, 16GB of RAM and 2GB of NVIDIA GeForce MX250 graphics memory. Having said that, if you want a laptop with a simple form factor then go with the standard Zenbook 14. It’s equally good and comes with similar internals except for it packs the 8th gen i7 processor.Best Gaming Laptops with SSD 14. Acer Nitro
Acer has a stunning range of affordable gaming products which they popularly refer to Nitro series. The Acer Nitro series is simply the best when it comes to the internal hardware. For instance, you get a dedicated 4GB AMD Radeon RX 560X graphics card with the Ryzen 5 variant. And if you opt for the Intel Core i7 9th Gen variant, you get the powerful NVIDIA Geforce GTX 1650. It’s simply amazing that you can get a gaming laptop this powerful at this price. Other than that, both the laptops come with 8GB of RAM and a combination of 256GB of SSD and 1TB of HDD storage. All in all, if you are looking for the best SSD laptop for your gaming need, the Acer Nitro series offers you phenomenal value for the buck.15. Asus TUF FX504GE-E4366T
The new Asus TUF series is the company’s attempt at offering great gaming laptops at a competitive price point. The Asus TUF FX504GE-E4366T shares the same DNA as the Asus ROG but comes at an affordable price point. The Asus TUF packs in the 8th-gen Intel Core i5 processor along with 8GB of DDR4 RAM. The gaming beast comes with 128GB SSD for your Windows OS along with a 1TB of HDD storage for storing heavy games. Not to mention, you also get the Nvidia GeForce GTX 1050ti with 4GB of GDDR5 VRAM to satisfy all your gaming needs. To bare it all, the Asus TUF variant seems a capable gaming laptop and you should definitely consider it.
16. MSI Gaming GL65
One of the biggest brands for gaming, MSI has slowly been gaining fans in India. The MSI GL65 is one of the company’s top-of-the-line laptops, combining hardware in a beastly looking package. The gaming beast comes with the 9th-Gen Intel Core i7 processor coupled with 8GB of DDR4 RAM. Other than that, the laptop comes with 512GB of NVMe SSD storage for all-around faster gaming performance. And the best part is that it also packs the top-end Nvidia GeForce GTX 1650 so you are all sorted on the gaming front. And since it’s MSI, the device ships with their proprietary Shift Technology which provides optimum performance by minimizing noise and temperature.
Buy from Amazon: Rs. 82,99017. Asus ROG Strix G
If pricing is not a bar for you, the Asus ROG Strix G Core i7 is a killer laptop for gaming. It’s packed with flagship hardware and you would be hard-pressed to find this kind of hardware in this price range. The Asus ROG Strix G comes with the latest Intel Core i7 9th-gen processor with 16GB of DDR4 RAM, 256GB SSD and 1TB HDD. On top of it, you get NVIDIA Geforce GTX 1650 with 4GB of GDDR5 RAM for the desktop-level experience. In terms of display quality, it’s Full HD with support for a 120Hz refresh rate. Not to mention, the laptop is equipped with an illuminated chiclet RGB keyboard. Considering all the points, I would say the Asus ROG Strix G is a powerful gaming laptop and you simply can’t go wrong with it. However, if you don’t have that budget then go for the affordable i5 variant. It comes with 8GB of RAM and 512GB of SSD storage, but the GTX 1650 remains even in the affordable one.
Buy from Flipkart: Rs. 62,990 (Core i5 9th Gen)
Buy from Flipkart: Rs. 92,990 (Core i7 9th Gen)17 Best Laptops with SSD Storage You Can Buy
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