There are some criteria set by banks, that you need to fulfill before applying for a home loan:

Good credit score more than 750. Regular income proof (salary slips, ITR). Age criteria, which is 21-65 years. Your Debt-to-Income Ratio should not exceed 40-50% (including the new loan EMI). Clear legal property documents are essential.

These are the documents that you need to provide to the bank while applying for a loan. Different banks may ask for more proof, but these are the main documents that are essential.

The best health insurance depends on reputable companies, your needs, an easy claims process, coverage, premiums, and good hospitals; these are the basic requirements for selecting any health insurance.

ICICI Lombard Complete Health Insurance and Niva Bupa Health Companion are the best ones. ICICI Lombard Complete Health Insurance offers a wide range of coverage options, a swift claims process, and the convenience of a cashless facility.

Niva Bupa Health Companion provides excellent coverage for you and for your family and also offers an easy claims process.

It's a beneficial move to rebalance your portfolio. This will help to reduce the risk by shifting your investments to debt funds.