PF DEDUCTEBLE EMPLIYEE S DETHS INSURANCE 7 LAKH

If a PF deductible employee dies in his current job, he will get insurance up to Rs 7 lakh.

 If the insurance amount is decided according to the period of service, if the employee who deducts PF dies in the current job, he will get insurance up to Rs 7 lakh. 

 If the average company account balance in the provident fund is 60 per cent from the owner of the aplothi provident fund of the private company within twelve months, this benefit is given to him by the company deposited through the aplothi deposit of the organization.  

Under the Link Insurance Scheme, the maximum limit of a small premium average balance with the amount of the provident share is Rs.  An active member of the fund is hired.  Yes, many private ones have been kept at Rs 1.5 lakh. 

 If this continues and companies cut off the provident fund and go to the provident fund office to talk above the employee link insurance formula, they will not join the scheme, then the life insurance benefit to the employer will be extended to the employer.  The insurance so called Rs.  At least Rs 3.50 lakh is given.  

The private miner who wants to participate in the scheme some time ago must get less benefit. Yes, he has to pay Rs.  The life benefit amount of Rs 2.50 lakh is given full exemption subject to the February 15 conditions.  |  

In the way it will be implemented from 2020  is coming .  E.D.L.I.  Let's talk about giving a better example of a life insurance policy of life insurance benefits by revising the formula for calculating the sum insured under.  The job amount has been increased.  Companies are allowed to deduct this benefit from the scheme under the so-called scheme in the last twelve months before the death of the insured in the event of death of the person taking the insurance policy and its applicable deposit link insurance.  

The monthly salary received is Rs.  30,000) are being given.  To be a private policyholder on February 15 and to have an average of Rs.  The companies have raised the balance of the provident fund from the salaries of the employees to Rs.  3 lakh.  In case of insurance cover of Rs. 2.5 lakh, the amount not to be deducted separately as premium is Rs. 

 Life insurance cover of Rs 3 lakh was coming.  The bet is also placed.  They meet.  In other words, the average in these circumstances is the E.D.L.I. of the active provident fund office.  Monthly salary Rs.  The benefit of Aavima Yojana is multiplied by the number of members who are 18,000, i.e. even if they are employed without a scheme.  

Such a person may die for any reason.  Private companies insure their family members if the term is multiplied by 50 before the term.  Group insurance was coming.  Multiplying this by Rs.  For companies taking 2.5, the amount of the provident fund office is Rs. 2 lakh plus Rs. 1 lakh as insurance benefit.  Joining the scheme is done.  

This adds up to Rs.  Are coming.  Meeting under this scheme is not mandatory.  2.5 lakh.  In these circumstances, the maximum benefit amount will be Rs.  Eligible for life insurance cover for the next three years from 2021 onwards.  3 lakhs.  Increasing life insurance to Rs.  3 lakh has been made.  In such a case, his family members get the sum insured from his provident fund as well as his family's family pension.  

The employed person whose name is written in the account as a nominee is also supported.  The monthly basic salary for up to 3 years is only available to those who are expensive.  Older children also benefit as nominees.  Bhavya and his wife, unmarried daughter and minor in his provident account have shirts to put his children in proportion to the average balance in private securities companies.  

Benefit of the sum insured to the surviving family amount of the employees rather than the job This sum insured is given to the deceased member under this scheme.  This benefit at least comes from the immediate financial need of the family.  Aplothi Link helps to satisfy the insurance amount and the maximum amount fixed.  The provident fund scheme has been started from the 19th.  Monthly Rs.  Form 3 issued by the office was received.  Aplothilink Insurance is paid only to those who have a salary of Rs.  

Death certificate of the deceased, canceled and a copy of the pre-death check to the employee to whom the Provident Fund is deposited  .  Also pays the last tax.  A notification announcing the implementation of the new provision from February 15, 2020 was issued on April 4.

READ FULL NEWS  in Hindi

નોકરીદાતાઓને હવે મળશે આ સુવિધા 7 લાખ રૂપિયાની મફત, જાહેરનામું બહાર પાડ્યું, જાણો કેવી રીતે લાભ?

 કોરોનાવાયરસ રોગચાળોમાં, મોદી સરકારે રોજગાર કરનારા લોકોને મોટી રાહત આપી છે.  કર્મચારી ડિપોઝિટ લિંક્ડ ઇન્સ્યુરન્સ સ્કીમ, 1976 (ઇડીએલઆઈ સ્કીમ) હેઠળ આપવામાં આવેલી વીમા રકમની મર્યાદા 6 લાખ રૂપિયાથી વધારીને 7 લાખ રૂપિયા કરવામાં આવી છે.  એમ્પ્લોઇઝ પ્રોવિડન્ટ ફંડ ઓર્ગેનાઇઝેશન (ઇપીએફઓ) પણ તેના સબ્સ્ક્રાઇબર્સ / સભ્ય કર્મચારીઓને જીવન વીમા સુવિધા પૂરી પાડે છે.  ઇપીએફઓના બધા સબ્સ્ક્રાઇબર કર્મચારીઓ ડિપોઝિટ લિંક્ડ ઇન્સ્યુરન્સ સ્કીમ 1976 (ઇડીએલઆઈ) હેઠળ આવરી લે છે.  હવે વીમા કવરની રકમ મહત્તમ 7 લાખ રૂપિયા કરી દેવામાં આવી છે.  અગાઉ તે 6 લાખ રૂપિયા હતું.  તાજેતરમાં, 9 સપ્ટેમ્બર, 2020 ના રોજ, શ્રમ પ્રધાન સંતોષ ગંગવારની અધ્યક્ષતામાં ઇપીએફઓના સેન્ટ્રલ બોર્ડ Trફ ટ્રસ્ટી (સીબીટી) એ ઇડીએલઇ યોજના હેઠળ મહત્તમ રકમ વધારીને 7 લાખ રૂપિયા કરવાનો નિર્ણય કર્યો.

 વધેલી મર્યાદા લાગુ કરવામાં આવી છે

 શ્રમ અને રોજગાર મંત્રાલયે 28 મી એપ્રિલના રોજ એક જાહેરનામું બહાર પાડીને ઇડીએલઆઈ યોજના અંતર્ગત મહત્તમ રકમની રકમ વધારીને 7 લાખ રૂપિયા કરવાના નિર્ણયને અમલમાં મૂક્યો છે.  આ વધેલી મર્યાદા સૂચનાની તારીખથી અમલમાં આવી છે.

 જાણો કે તમે ક્યારે EDLI યોજનાનો દાવો કરી શકો છો

 ઇડીએલઆઈ યોજના હેઠળ, માંદગી, અકસ્માત અથવા કુદરતી મૃત્યુના કિસ્સામાં સભ્ય કર્મચારીના નામાંકિત વતી દાવો કરી શકાય છે.  હવે આ કવર એવા કર્મચારીઓના પીડિત પરિવારને પણ ઉપલબ્ધ છે કે જેમણે મૃત્યુ પહેલાંના 12 મહિનાની અંદર એક કરતા વધુ સ્થાપનામાં કામ કર્યું છે.  ચુકવણી એકમાત્ર રકમ છે.  કર્મચારીઓને EDLI માં કોઈ રકમ ચૂકવવાની રહેશે નહીં.  જો યોજના અંતર્ગત નામાંકન ન લેવાય, તો મૃત કર્મચારીની પત્ની, કુંવારી છોકરીઓ અને સગીર પુત્ર / પુત્રનો કવરેજ લાભ લેશે.

 દાવાની રકમની ગણતરી કેવી રીતે કરવી?

 EDLI યોજનામાં, કર્મચારી દ્વારા પ્રાપ્ત છેલ્લા 12 મહિનાના મૂળભૂત પગાર + ડી.એ. ના આધારે દાવાની ગણતરી કરવામાં આવે છે.  નવીનતમ સુધારા હેઠળ, આ વીમા કવર માટેનો દાવો હવે છેલ્લા મૂળભૂત પગાર + ડી.એ. કરતા 35 ગણા હશે, જે અગાઉ 30 ગણો હતો.  ઉપરાંત, હવે મહત્તમ 1.75 લાખ રૂપિયા બોનસ મળશે, જે અગાઉ મહત્તમ 1.50 લાખ રૂપિયા હતું.  છેલ્લા 12 મહિના દરમિયાન આ બોનસ સરેરાશ પીએફ બેલેન્સના 50 ટકા માનવામાં આવે છે.  ઉદાહરણ તરીકે, જો છેલ્લા 12 મહિનાનો મૂળભૂત પગાર + ડી.એ. 15000 છે, તો વીમા ક્લેમ (35 x 15,000) + રૂ. 1,75,000 = 7 લાખ છે.  આ મહત્તમ દાવો છે.

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CORONA RAXAK POLICY ₹ 2LACS

 CORONA RAXAK POLICY ₹ 2LACS 

Get your corona treated at a cost of just Rs 156, this plan of SBI will help up to Rs 2 lakh

SBI Corona Rakshak Policy: 

The orgy of Corona Virus is continuously increasing in the country. Migrants are forced to return home. At the same time, the number of patients in the hospital is not curbed. Places from government to private hospitals are full. In such a situation, the government is arranging additional beds. At the same time, millions of poor and middle class people are unable to get treatment for corona. Arbitrary fees are being collected for corona treatment in many private hospitals. Even medicines are coming very expensive.

Corona transition is increasing rapidly across the country these days. If you also suffer from corona and are worried about the cost of treatment, don't take any tension. SBI (State Bank of India), the largest government bank in the country, has come up with a special plan to cover your expenses. In which you can avail the benefit of this scheme even for only Rs. 156. It is to be mentioned that the name of this scheme of the bank is Corona Rakshak Policy. It is also important to know the details of this plan.

In such a situation, State Bank of India has come up with a Corona Rakshak Policy. In this, the back cover is providing financial assistance to people dealing with epidemics. People from 18 years to 65 years can avail this scheme. In the Corona Rakshak Policy, assistance from 50 thousand to two lakh 50 thousand rupees is being given by SBI. State Bank customers can avail the corona protector policy. SBI Life Insurance Company will take care of all their medical expenses at Covid. Let's know about the Corona Rakshak Policy of SBI.

1. SBI Corona Rakshak Policy is a health insurance protection scheme.

2. State Bank of India Covid policy is issued without any medical test. She offers the benefit of lump sum payment of 100% of the sum assured.

3. The minimum age to purchase a Corona Guard policy is 18 years.

4. The main feature of SBI Corona Rakshak Policy is that it is given in single premium range.

5. Minimum premium of Rs 156 and maximum of Rs 2,230 can be paid in SBI Corona Rakshak Policy.

6. SBI Corona Rakshak Policy has a duration of 105 days, 195 days and 285 days.

7. The policy provides a minimum cover of 50 thousand and maximum of two lakh fifty thousand rupees.

8. To get a cover of 50 thousand rupees one has to pay 157 rupees.

9. Customers can take a missed call on 022-27599908 for more information about the corona policy.

10. Click here for more information about SBI Corona Guard Policy.

બુસ્ટ ર ડોઝ ની અસર વાંચવા અહી ક્લિક કરો

12 થી 14 વર્ષના બાળકોને વેકસીન માટેના ન્યુઝ વાંચવા અહીં ક્લિક કરો

CORONA RAXAK POLICY ₹ 2LACS 

સંપૂર્ણ માહિતી વિગતવાર ગુજરાતીમાં વાંચવા માટે અહીં ક્લિક કરો. 

Important Things About 

કોરોના રક્ષક પોલિસી માટે ઓફિશિયલ વેબસાઈટ માટે અહીં ક્લિક કરો

કોરોના રક્ષક પોલિસિ માટે Brochure ડાઉનલોડ કરો

ફોન નંબર પર મિસ કોલ કરો કોલ આવશે

SBI Corona Rakshak Policy

કોરોના પોલિસી વિશે વધુ માહિતી માટે નીચેની લિંકની મુલાકાત લઈ શકો છો. 

તમારૂ વીમા પ્રિમિયમ થાય તે ચકાસવા માટે અહીં ક્લિક કરો.

·           SBI Corona Rakshak Policy is a health insurance protection plan.

·         SBI Corona Rakshak Policy is issued without any medical examination.

·         Here you will find 100 percent cover.

·         The minimum age to purchase a Corona guard policy is 18 years.

·         Premium is Rs 156 and maximum Rs 2,230 can be paid

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PENSION OF RS. 23000WILL BE GIVEN, SCHEME

 LIC: A pension of Rs 23,000 will be given, the money given will also be back, know the scheme

 It is important to prepare for life after retirement while you are young.  Today is not the time to depend on anyone.  You need to be self-sufficient.  Financially, you should be strong enough that after retirement you can spend your life comfortably without tension.  There are a lot of options for preparing for retirement.  You can raise a lot of money by investing in them.  There are some options from which you can arrange a regular pension.  But there is also an option in which you will get pension.  Also, the money you deposited will also be returned.  Know the details of this plan.

 We are talking here about the Prime Minister's expenditure Vandana scheme.  The scheme can be applied till 31 March 2023.  It is a central government scheme, in which investment can also be done through LIC, the country's largest insurance company.  First of all, know the basics of this scheme.  You will be given 7.66 percent return every year by investing in the Prime Minister's Vandana Yojana.  The duration of this plan is 10 years.

 At least how old

 At least 60 years old person can invest in Pradhan Mantri Spend Vandana Yojana.  Although the maximum age can be any.  Another important thing is that you can take a pension on a monthly basis if you want.  But you also have the option of taking pension on quarterly, half yearly and yearly basis.

 Know the multiplication of pension

 Under the Prime Minister's Vandana Yojana, a pension of at least Rs 1000 per month or Rs 12000 per year is available.  The maximum pension limit is Rs 9250 on a monthly basis and Rs 1.11 lakh annually.  You have to invest Rs 1.62 lakh for taking 1000 rupees every month and Rs 1.56 lakh for taking pension of Rs 12,000 annually.  Similarly, if someone wants to get a pension of Rs 9,250 every month, then he has to invest Rs 15 lakh.  At the same time, to get Rs 1.11 lakh every year, an investment of Rs 14.50 lakh will have to be made.

 Under this scheme, if you deposit Rs 1000 every month, then your monthly pension will be Rs 74.  If you take pension on quarterly basis, then your pension will be Rs 74.50, half year pension Rs 75.20 and annual pension will be Rs 76.60.  This is a pension per thousand rupees.  Now if someone invests Rs 3 lakh in this scheme, then his annual pension will be Rs 22,980.  At the same time, you will get Rs 1915 on monthly basis.

 This is how you will get money back

 The first thing is that on surviving for 10 years, the policyholder will be given pension continuously.  If the investor dies in these 1 years, the purchase price will be returned to the nominee.  If the policy holder is alive for 10 years, the pension along with the purchase price will also be returned.

 How to invest

 The scheme can be applied both online and offline.  Click on the given link (LIC INDIA)) to invest online.

Read Full new in hindi:- Click here

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If you are thinking of investing for your daughter, find out here where it would be better to invest from Sukanya Yojana and mutual funds.

  If you are thinking of investing for your daughter, find out here where it would be better to invest from Sukanya Yojana and mutual funds.

 Sukanya Samrudhi Yojana is currently paying interest at the rate of 7.6% per annum

 The HDFC Children's Gift Fund has returned more than 10% in the last 10 years

 Personal Finance: If you are thinking of investing for your daughter, find out here where to invest from Sukanya Yojana and mutual funds

 Sukanya Samrudhi Yojana is currently paying interest at the rate of 7.6% per annum. HDFC Children's Gift Fund has given a return of more than 10% in the last 10 years.

 Mutual funds are being considered as a good investment option in our country. Many funds have given good returns in the last few years.  In such a situation many people are confused as to whether to invest from Sukanya Samrudhi Yojana or mutual fund for their own daughter.  Today we are going to tell you about both these schemes so that you can choose the right option according to you.

 Sukanya Samrudhi Yojana

 Under Sukanya Samrudhi Yojana, an account can be opened after the birth of a child at the age of 10 years. This scheme can be opened anywhere in a bank or post office. Sukanya Samrudhi Yojana is currently offering 7.6% interest per annum.

 Personal Finance: If you are thinking of investing for your daughter, find out here where to invest from Sukanya Yojana and mutual funds.

 Sukanya Samrudhi Yojana is currently paying interest at the rate of 7.6% per annum. HDFC Children's Gift Fund has given a return of more than 10% in the last 10 years.

 Mutual funds are being considered as a good investment option in our country. Many funds have given good returns in the last few years.  In such a situation many people are confused as to whether to invest from Sukanya Samrudhi Yojana or mutual fund for their own daughter.  Today we are going to tell you about both these schemes so that you can choose the right option according to you.

 Sukanya Samrudhi Yojana

 Under Sukanya Samrudhi Yojana, an account can be opened as soon as a child reaches the age of 10 years after birth. The scheme can be opened anywhere in a bank or post office.

 An account can be opened for Rs.250

 An account can be opened for Rs 250.  Under Sukanya Samrudhi Yojana, an account can be opened only after the birth of a child at the age of 10 years. The account will mature after the daughter turns 21 or the girl gets married and you will get full payment with interest.

 The account can also be closed after 5 years

 The account can also be closed up to 5 years after opening.  It is allowed to close if a serious illness occurs or if the account is being closed for any other reason.  But the interest on it will be paid according to the savings account.

 Half the money can be withdrawn when the daughter turns 18

 Up to 50% of the cost for higher education of a child after the age of 18 can be withdrawn in the account of Sukanya Samrudhi Yojana. To open an account it is necessary to give birth certificate of daughter.  Proof of identity and address of the child and parents must be provided. This account can be transferred anywhere in the country.  This facility is available to the account holder if he / she shifts from the original place of account opening to another place.  There is no charge for this. If the account is being closed before the completion of 21 years, the account holder has to give an affidavit that the daughter is not less than 18 years of age at the time of closing the account.

 Benefit from tax exemption

 A maximum of Rs 1.5 lakh can be deposited under Sukanya Samrudhi Yojana in the current financial year. The benefit of tax exemption under Section 80C of the Income Tax Act can also be availed on deposits under Sukanya Samrudhi Yojana.

 Mutual funds

 Mutual funds can give higher returns

 Sukanya Samrudhi schemes have tax benefits but you get a fixed interest, in which you cannot earn more than that.  Considering the problem of rising inflation over time, investing in equity mutual funds may prove to be good for the future of children.  Equity Mutual Funds can choose any option from Index Fund, Large Cap Fund, and Mid Cap Fund as required.  An investment plan in an equity fund can be selected according to the risk profile.  According to experts, investing in an equity mutual fund is the best option for an investment of 10 years or more.

 Child Mutual Fund option is available

 Child mutual funds are also good for the future of children.  However, long term investment is better for him.  Returns from child mutual funds are also capable of countering the problem of inflation.  However, it is not possible to invest only in the name of the child in the fund with which the child is associated.  Such plans are especially tempting to invest in the name of children.  However, there are also some good plans out there.  But parents can also look at other mutual funds

Top Children's Plan Returns

HDFC Children's Gift Fund

Set great store by of 10 thousand monthly taste in 10 years: Rs

Set great store by of 10 thousand monthly taste in 10 years: Rs

Expense ratio: 2.06% (November 5, 2020)

Minimum investment: Rs

Minimum SIP: Rs.500

UTI Children's Career Fund Investment Plan

Set great store by of 10 thousand monthly taste in 10 years: Rs

Expense ratio: 2.76% (November 5, 2020)

Minimum investment: Rs

Minimum SIP: Rs.500

Source: Value Research and groww.in.

અહિંથી વાંચો ગુજરાતી રિપોર્ટ

Sukanya Samrudhi Yojana

Under Sukanya Samrudhi Yojana, an description preserve be opened after the birth of a newborn at the get older of 10 years. This design preserve be opened someplace in a panel or announce office. Sukanya Samrudhi Yojana is now donation profit at the ratio of 7.6% for each annum

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Post Office Time Deposit Scheme, Monthly Income Scheme or SBI's FD Which of these three schemes will be beneficial to invest in?

 Post Office Time Deposit Scheme, Monthly Income Scheme or SBI's FD Which of these three schemes will be beneficial to invest in?

 SBI is offering 5.4% interest on deposits of 5 to 10 years

 The time deposit scheme is earning a maximum of 6.7% interest

 The monthly income scheme is earning 6.6% interest

 Investing money anywhere without thinking can get you in trouble.  It can also ruin your hard earned money.  In this case, if you want to keep your money in a safe place and get a good return, you can invest in Post Office Time Deposit Scheme, Monthly Income Scheme or SBI FD.  Here you will find how much you will benefit if you invest in these 3 places.

 Post Office Time Deposit Scheme

 This is a type of fixed deposit (FD).  You can take advantage of fixed returns and interest payments by investing a certain amount for a fixed period.  Post Office Time Deposit Account offers interest at the rate of 5.5 to 6.7% for a period of 1 to 5 years.  According to the official website of India Post, anyone investing under a 5-year fixed deposit can avail the exemption under Section 80C of the Income-tax Act, 1961.  You have to invest at least Rs 1,000 in it.  There is no maximum investment limit.

 How much return will you get?

 Under this scheme, if you invest Rs 1 lakh for 5 years, you will get Rs 1,39,406 after 5 years.  You will get Rs 39,406 as interest at 6.9%.

 In how much time will the money double?

 It is getting maximum interest of 6.7%. In such a situation, according to Rule 72, if you invest money in this scheme, it will take 10 years and 7 months for the money to double.

 Monthly Income Scheme

 This is a type of pension scheme in which you can manage your monthly income by investing money together.  The special thing about this scheme is that you will get all your money back after maturity.

 How much can be invested?

 An account can be opened with a minimum of Rs 1,000 under this scheme.  On the other hand, if you have a single account, you can deposit up to Rs 4.5 lakh and if you have a joint account, you can deposit up to Rs 9 lakh.  The maturity period in this scheme is 5 years.  The scheme can be carried forward every 5 years through the same account as long as desired.

 What is the return on investment for 5 years?

 Under this scheme, if you invest Rs 1 lakh for 5 years, you will get Rs 1,37,653 after 5 years.  You will get Rs 37,653 at an interest rate of 6.6%.

 How long will it take for the money to double?

 The maximum interest is 6.9%.  Therefore, according to Rule 72, if you invest money in this plan, it will take 10 years and 9 months for the money to double.

 What is the interest rate on FD in SBI?

 What is the return on investment for 5 years?

 Under this scheme, if you invest Rs 1 lakh for 5 years, you will get Rs 1,30,077 after 5 years.  You will get Rs 30,077 at 6.9% interest.

 How long will it take for the money to double?

 The maximum interest is 5.4%.  According to Rule 72૨, if you invest money in this scheme, it will take 13 years and 3 months for the money to double.

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Personal Accident Cover - At a premium of Rs. 1 per day, you can get a cover of Rs. 15 lakhs.

 Personal Finance: 

Personal Accident Cover - At a premium of Rs. 1 per day, you can get a cover of Rs. 15 lakhs.

 Any fatal or serious injury can also have serious economic consequences.  So you need such insurance cover it is easy to think that nothing will ever happen to me, but accidents and injuries can happen at any time

 Personal Finance: 

Personal Accident Cover - At a premium of Rs. 1 per day, you can get a cover of Rs. 15 lakhs, you start getting claims from day one.

 Any fatal or serious injury can also have serious economic consequences.  So you need such insurance cover it is easy to think that nothing will ever happen to me, but accidents and injuries can happen at any time

It's easy to think that nothing will ever happen to me, but accidents and injuries can happen at any time.  This can have a long-term effect on you.  So it is important to think about what will happen to you and your family if you have a serious accident.  As such, any fatal or serious injury can lead to serious economic consequences.  It is therefore advisable to take out personal accident insurance to avoid any such situation.

 Why this cover is necessary

 Personal accident cover is a benefit policy that covers you against the risk of death or disability due to an accident.  An accident can cause complete or partial disability.  This can lead to financial problems for your family members.  In such a case life insurance policy does not provide coverage.  A health insurance policy only covers the cost of hospitalization.

 An accident policy protects you

 A personal accident policy protects you against emergencies.  This policy is much cheaper.  At a premium of Rs 1 per day, you can get a cover of Rs 15 lakh.  It is available on an annual basis.  It does not need to be renewed every year.  In addition, its coverage starts from the first day without any waiting period.

What this policy actually covers

 Personal accident cover provides financial help to you and your family members in the event of a disability or death due to an accident.  No sense in telling you now - I don't wanna ruin the suprise.  The cost of a minor accident such as a road accident or falling off a bicycle or a hand fracture or a foot fracture while playing football is covered in this policy.

 Coverage is the most important

 This coverage is most important for conditions such as accidental death and total disability (in the form of coma or paralysis).  You should not ignore the possibility of temporary disability, which can rob you of your regular income.  Choosing this cover at a low price is a wise financial investment to protect your family from the crises that come later.

 The policy comes with world wide coverage

 The Personal Accident Policy comes with world wide coverage.  These include full permanent disability with death, permanent partial disability, Adventure Sports Benefit, Children's Education Benefit, Fracture Care, EMI Payment and Loan Protect Cover.

 Customizable features of the policy

 The coverage enshrined in this policy empowers a customer to choose the coverage they deem most appropriate for themselves.  For example, if you are a participant in a sport, you can take advantage of this cover in addition to the health insurance base cover.  You can take out a loan protector extension if you have an EMI to pay, and if you die or become permanently disabled.

 Insurance helps the family financially

 A personal accident insurance is necessary to protect you and your family's financial situation.  Any unforeseen mishap can occur.  Not only does this insurance help you in such a sudden crisis, but it also helps you to lead a normal and dignified life as you recover.

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5 POST OFFICE SCHEMES TO RETURN U WILL GET IF U INVEST FOR BETTER RETURN

 5 POST OFFICE SCHEMES TO RETURN U WILL GET IF U INVEST FOR BETTER RETURN

Investment: 5 Post Office Schemes including PPF, Time Deposit Scheme and Kisan Vikas Patra earn more interest than FD, find out how much return you will get if you invest for 10 years.                                                                 

•  PPF account is getting 7.1% interest. 
• Farmer Development Letter Scheme is getting 6.9% interest.

 The government made no reduction in the small savings scheme in the October-December quarter.  Because of this, these schemes still pay more interest than the fixed deposit (FD).  You can get a good return by investing in it.  Here are 5 post office schemes in which you will get more interest than FD on investment.

 PPF scheme

 An account can be opened in a bank or post office under this scheme.  Apart from this it can also be transferred to any bank or any post fix.

 This account can be opened for only Rs.  But then it is necessary to deposit Rs.500 every year.  A maximum of Rs 1.5 lakh can be deposited in this account every year.

 The plan is for 15 years.  From which money cannot be withdrawn in the meantime.  But after 15 years the plan can be extended for 5-5 years.

 This account cannot be closed before 15 years.  But after 3 years the loan can be taken against this account.  Anyone can withdraw money under the rules from the 7th year of this account if they wish.

 The government reviews interest rates every three months.  This interest rate can be more or less.  The account is currently earning 7.1% interest.

 By investing in this scheme Rs.  Tax exemption up to Rs 1.5 lakh can be obtained under 80C.

What is the return on investment for 10 years?

 Under this scheme, if you invest Rs 1 lakh for 10 years, you will get Rs 2,02,136.  That is, you will get Rs 1,02,136 lakh as interest.

 Kisan Vikas Patra

 The Kisan Vikas Patra (KVP) Savings Scheme is currently offering 6.9% interest.

 There is no maximum investment limit in KVP.  However, your minimum investment should be Rs.

 The investor must be at least 18 years of age.  It also has the facility of joint account apart from single account.

 Minors may also be included in the scheme.  But that account must be handled by their parents.

 If you want to withdraw your investment you have to wait at least 2.5 years.  It has a lock-in period of two and a half years.

 The amount deposited under this is exempted under Section 80C of the Income Tax Act.

 What is the return on investment for 10 years?

 Under this scheme, if you invest Rs 1 lakh for 10 years, you will get Rs 1,98,201.  That is, you will get interest in excess of Rs 98,201 lakh.

 Post Office National Savings Certificate Scheme

 Post Office National Savings Certificate (NSC) is earning 6.8% annual interest

 The interest is calculated on an annual basis, but the amount of interest is paid at the end of the investment period

 The amount deposited in the National Savings Certificate is tax deductible under Section 80C of the Income Tax Act.

 You have to invest a minimum of Rs 100 to open an NSC account.

 This account can also be opened in the name of a minor and a joint in the name of 3 adults.

 You can invest any amount in NSC.  There is no maximum investment limit.

 What is the return on investment for 10 years?

 Under this scheme, if you invest Rs 1 lakh for 10 years, you will get Rs 1,96,262.  That is, you will get interest in excess of Rs 96,262 lakh.

Time deposit scheme

 A fixed deposit account can be opened at the post office by cash or check.

 According to India Post, in case of a check, the account will be deemed to have been opened from the date of receipt of the check in the government's account.

 This account can also be opened in the name of a minor and as a joint account in the name of two adults.

 A minimum deposit of Rs. 1,000 is required to open a Post Office FD account.  It has no maximum limit.

 The Post Office Time Deposit Account offers interest at a rate of 5.5% to 6.7% for a period of 1 to 5 years.

 Deposit tax will be paid at 5.5% for 1 to 3 years and 6.7% for 5 years investment.

 A tax exemption of up to Rs 1.5 lakh can be availed under Section 80C of the Income Tax Act for 5 years of investment.

 Under this scheme interest is paid on an annual basis, but it is calculated on a quarterly basis.

 What is the return on investment for 10 years?

 Under this scheme, if you invest Rs 1 lakh for 10 years, you will get Rs 1,94,342.  That is, you will get interest in excess of Rs 94,342 lakh.

 Post Office Monthly Income Scheme

 The interest is being paid at 6.6%.  An account can be opened with a minimum of Rs 1,000 under this scheme.

 If your account is single, you can deposit up to Rs 4.5 lakh.  On the other hand, if you have a joint account, a maximum of Rs 9 lakh can be deposited in it.  The maturity period is 5 years.

 Interest under this scheme is paid on an annual basis, but is calculated on a quarterly basis.

 A joint account can also be opened in the name of a minor and in the name of 3 adults.

 You can contact your nearest Post Office to open a Post Office Monthly Income Account.

What is the return on investment for 10 years?

 Under this scheme, if you invest Rs 1 lakh for 10 years, you will get Rs 1,92,439.  That is, you will get interest in excess of Rs 92,439 lakh.

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