| 
Life Insurance 
The single most effective, popular and fail-safe
financial security net ever devised. It offers two-fold protection:
financial security of one's dependants- whether it be spouse,
children or aged parents- in the eventuality of a breadwinner's
early death, as well as one's own financial well being after
retirement Whether you are an existing policy-holder or considering
your very first life insurance policy, it is vital to grasp
that effective life insurance planning is not a one time affair.
You need to review your insurance every few years and make
suitable adjustments. To help you do precisely that, we offer
sensible, expert advice on how to set and achieve your life
insurance goals through policies from LIfe Insurance
Corporation of India.
How much insurance cover you need at different
stages of your life ?
How to select the most beneficial and cost
effective policies for achieving different financial goals,
including education and marriage funds for growing children
and planning your own post retirement pension?
How to always keep life insurance policies
in force and set right deficient policies ?
How to buy the right unit linked insurance
plan?
Is insurance useful for women and For non-earning
members of a family?
Should one insure minor children?
What to do if you are considered an abnormal
risk?
Pros and cons of special features of life
insurance policies such as nominations, accident benefit,
riders etc.
Non-Life Insurance.
The course of true life never runs smooth.
Sometimes, it can take strange twists and turns. Illness,
Accidents, Misfortune can strike any time. There is only one
sure way of protecting yourself and your loved ones from such
hazards: Non-Life Insurance.
We have a comprehensive range of Policies
to cover such unforeseen misfortunes:
Mediclaim
Overseas Travel Insurance
Personal Accident
House Holders Insurance
Car Insurance
Professional Indemnity
Risk & Insurance Management Solutions
for Business Enterprises.
Small Savings scheme
| SOLID
SAFE
SURE
|
|
MAHA
SURAKHSHA
MAHA YIELD |
| |
INVEST IN
PPF • MIS • KVP • NSC • RD |
| You
need |
Small
Savings Scheme |
Rate
of Interest |
Effective
Returns |
| Save Income
Tax (u/s 88) & Growth of Capital
|
Public
Provident fund
|
8 % |
13.44%+ |
| Save Income
Tax (u/s 88) & Fight Inflation
|
National
Savings
Certificate (VIII Issue) |
8.16% |
10.20%# |
| Meet
Monthly Expenses
|
Monthly
Income Scheme |
8% p.a.
& 10% Bonus on Maturity |
9.66% |
| Fight Inflation |
Kisan Vikas
Patra |
8.40% |
11.65%
@ |
| Meet Routine
Expenses
(Through regular Income)
|
Time Deposit
(5 Years) |
7.5% |
7.71% |
| Lumpsum
Requirement
|
Recurring
Deposit |
7.5% |
8.45% |
- No TDS in any of the Small Savings Schemes.
- Interest on MIS, NSC, Time Deposit and Recurring Deposit
deductible u/s 80L of the I.T. Act.
- Interest on PPF is tax-free under I.T. Act.
- Accured Interest on NSC qualifies for tax rebate u/s
88 of I.T. Act.
- Assuming that the investor avails of 15% tax rebate
u/s 88 and pays tax 30%.
- Assuming that the investor avails of 20% tax rebate
u/s 88 and pays tax 20%.
- @This is as per simple rate of Interest.
Vimadalal
Mutual Fund Services
We advise on common sense approach to mutual
fund investing.
We evaluate your risk tolerance and design
a portfolio to meet your current & future financial objectives.
We help you build a diversified portfolio
of equity, bond, and liquid funds that will weather the market's
short term variations.
We offer eight model portfolios to achieve
your own financial goals.
We help you protect yourself from inflation
and current interest rates.
We help in establishing a winning long term
portfolio that will serve you best when you need it most.
|
