Which All Stocks Provides Highest Dividends | 2017-2018

Term Insurance

What is the term insurance plan, what are its features, how the term insurance plan is different from other life insurance plans and should take the term plan or not. What are the benefits of taking term insurance and how does tax avoid it. Also, what are some things to be careful when taking a Term Insurance plan.

Read Basics of Insurance

What is term insurance plan

Term Insurance Policy – Term Insurance Plan is a type of life insurance and it provides life cover for a defined period of time and if the insured dies during the term of the insurance policy, the death benefit will be payable to the nominee.

The term insurance plan has been specially designed in such a way that the needs of the insured’s family can be protected in case of death or uncertainty. It provides a set amount of coverage for a set time period. Simply put, the term of insurance and amount of insurance is determined when taking a term insurance plan.

What are the characteristics of Term Insurance Plan

In the term insurance plan, if the policyholder dies during the insurance period then the death benefit is given to the nominee. Premiums of term insurance policies are the lowest in all types of life insurance policies. Premiums are less in this policy because there is no investment component in it and the entire premium goes up to cover the risk.

On the contrary, a part of the premium in the endowment plan and money back plan goes into the risk cover of life insurance and the rest is invested. In the Term Insurance plan no maturity benefit is available on survival after the expiry of the policy term.

Pradhan Mantri Jeevan Jyoti Bima Yojana is also an affordable term insurance plan, while choosing your term plan, you can also pay attention to this option.

What should be considered when taking a Term Insurance Plan

Before taking a Term Insurance plan, these things should be taken into account:

  • How good is the insurance company
  • How many covers do you need?
  • Examine the claims settlement ratio of the insurance company, how many percentages of the insurance claims disposed by the finance company were rejected.
  • Inflation factor in premium and coverage benefits See also the insurance cover you are taking and for the period you are taking, so that your family’s needs will increase due to inflation in the coming time.
  • Compare the terms and conditions of various insurance companies.
  • You can also take a two term insurance plan from two different insurance companies, it will save you from one of the two companies in case of rejection of the claim.
  • Also know how life insurance premium is determined.
  • Term plan can take you online or offline. You may find the online plan cheaper.

Tax Benefit on Term Insurance Plan Premium paid for all life insurance policies has been exempted under Section 80C of the Income Tax Act, 1961.

Read on – Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana

Features of Pradhan Mantri Jeevan Jyoti Bima Yojna

Who can take this plan, can take it and its benefits. Also, all the details of this scheme in detail. It is an India government-backed life insurance plan that LIC and many other insurance companies run. There are many types of life insurance. This plan is a term life plan.

Prime Minister Jeevan Jyoti Insurance Scheme PMJJBY is a one-year life insurance plan that provides coverage for death and it is renewable year after year. Cover under PMJJBY is for death only, hence the benefit will be given to nominee only ie nominee. PMJJBY is a pure term insurance policy in which there is no investment component and only premium for death cover is taken. This means that whatever premium you deposit in this scheme goes completely into the cover of insurance and no part of it is invested. That is why the insurance holder does not get any benefit at the end of the policy term. On the death of the insured during the policy term, the nominee receives the sum insured.

Who can take PMJJBY

PMJJBY people from 18 to 50 years old can get life and life insurance is available in the scheme till the age of 55 years. This scheme is available to those with savings bank accounts who agree to debit the account from the premium to join the account to join automatically. The cover for this scheme is for one year and it has to be renewed every year.

How can avail Pradhan Mantri Jeevan Jyoti Bhima Yojana

Life cover of Rs 2 lakh is available per member per year at 330 rupees per year and it has to be renewed every year. All those Savings Bank account holders can join this scheme who meet the eligibility criteria of this scheme and pay premium of 330 rupees per year per person.

PMJJBY is administered through LIC and other Indian private life insurance companies. Anyone can contact their bank because the process of enrollment is associated with banks and insurance companies. The nomination process has been kept simple and easy. Generally, only one form has to be filled for this. You can also take it online.

Risk cover under PMJJBY is applicable only after 45 days of enrollment. In other words, the risk cover will start only after insurance companies have passed 45 days from the date of enrollment. However, deaths due to accidents will be exempted from this rule.

In Pradhan Mantri Jyoti Jyoti Bima Yojana, we have tried to explain this scheme in a simple language in detail.

Top 10 Best Stock Brokers India

Vote For Your Favourite Broker

Know India's best stock broker according to public votes. Stockbroking is being very popular n India because of the country's GDP growth. Its not easy to pick the best stock broker by considering the facts safety, security, platforms, support and other features. Choose your favourite two broker houses and see the result.

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1. ICICI Direct

Being a leader with a large customer base in India, even though their brokerage is high, trust is more important in investing. That’s why ICICI still a leader in broker services.

2. HDFC Securities

By considering the investments and revenue, HDFC is among top broker in India

3. Zerodha

It’s growing fastly because of its simplicity and discount brokerages. Open Account Now

4. Sharekhan

Sharekhan struggled after the 2009 recession, then now again active with their business

5. Axis Securities

Axis is getting best reviews recently and their platform is the best in the industry to trade

6. Kotak Securities

With 3 in 1 facilities and improvements in banking made it to a competitor for the above brokers

7. Angel Broking

Active in their business, having lots of franchisees in India

8. Motilal Oswal

Best in research and advisory provides best recommendations for investments

9. India Infoline

IIFL is popular from old days, it is huge no of customers

10. Karvy Stock Broker

Headquartered in Hyderabad, India. Karvy Group is one of the leading financial services conglomerates.

This list is temporary, please vote for your favourite stockbroker and know top 10 best broking firms

Suzuki launches new Jimny, know when will knock in India

Japanese car maker Suzuki has launched its new generation model 2019 Suzuki Jimny 4×4 in the market. Recently the company released its photo.

New Delhi (Auto Desk) Japanese car maker Suzuki has launched its new generation model 2019 Suzuki Jimny 4×4 in the market. Recently the company released its photo. Suzuki’s car is for the European market. There is a 1462 cc 4-cylinder petrol engine. Which generates 130 bits of nm at 100 bhp and 4000 rpm at 6000 rpm. It has a 5-speed manual gearbox and 4-speed automatic torque converter. If this car launches in India then it can be fought from Mahindra’s Bolero. Explain that Bolero is a very successful car in India.

According to Suzuki, most of the designs in the new Jimny have been taken from the old Jane models. Talk about its features, there are round headlamps, five slot grills and three doors. Suzuki unloads its SUV in eight colours, but the company has launched its new landline in two exclusive colours. In which one Kinetic Yellow and the other is Green.

Its cabin is equipped with new facilities. Its interior is in black colour. Talking about the music system, the touch screen facility has been provided with an automatic climate control system and a multifunctional steering wheel.

Due to safety, there is DUAL Sensor Break Support (DSBS), which gives audio, visual warning when at risk. Other security features include 6 airbags, electronic stability program (ESP) and tire pressurized monitoring system.

Basics of Life Insurance

Information about insurance, definition of insurance, its characteristics and benefits, how many types it is, how life insurance premium is determined, what is Ulip, what is endowment, money back policy, term plan What is it, how are your agents and how to take insurance precautions read here easy in Hindi Read also about the Prime Minister Jyoti Jyoti Bima Yojna.

Many times we have a lot of confusion about which insurance and how to take it, here you will find answers to all the fears related to it and it will be easy to make decisions. Life is very priceless and Usha can not pay any value, even then we can strive for the future of our own and our family.

Pradhan Mantri Jeevan Jyoti Bima Yojana

Term Insurance

Endowment Insurance Plan

How to Buy Life insurance

Types of life insurance

List of Indian Life Insurance Companies

How to avoid investment frauds

Know insurance agent

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Keep Yourself Up To Date | Are You A Trader

If you want to earn money in the stock market, keep yourself up to date. In addition to the information about stock market activities, news about companies and other information, information about how the stock market works, what other information should be kept in mind for those who invest in the stock market. What news, statistics and trends we should take care of and how they all can affect our investment today tell you in detail.

Earn money in the stock market:- The stock market can actually earn exactly which keeps good information about it. And just getting information is not enough, here you always have to know the latest information and news. If you are investing in the stock market then you have to be careful about the companies whose shares you have bought or the shares you want to buy and their financial results, what are the latest news about that company And what are the latest economic results of the company? In the same way what kind of business your company is in, what kind of activities are there in the industry and overall the performance of the industry is also to be kept in mind. Also, keep an eye on the overall stock market move.

Economic conditions of the country and economic policies of the government:- What is the economic situation of the country, how the government’s economic policies will affect the different industries and what are the changes in the government’s economic policies? At the same time, other economic indicators such as GDP, inflation data, rates of interest in banks, rates of growth in industrial production should also be kept in mind. The rising demand for balanced inflation can also be a symbol of the economy. Decreasing interest rates of banks mean loans may be available to companies at low interest rates. The effect of the reduction in interest rates on savings in banks may also be that people should withdraw their investments from the bank fixed deposits and start investing in mutual funds or directly in the stock market.

World economic circumstances:- And in today’s times, while many foreign investors and institutions invest in the stock market, we should also keep in mind how economic conditions are going on in the world. How the world’s stock markets are performing Foreign investors who take more interest in investment in countries where there is a greater chance of growth.

Technical, economic and social change:- Make money in the stock market, so keep an eye on the upcoming technical, economic and social changes. See also which companies may be affected by these changes. As people leave the typewriter and start using the computer. After eating native food, eating burgers and pizzas, new changing fashion and clothes. In the coming days, if diesel and petrol vehicles are replaced by electronic vehicles, then which companies will be affected? So in this way if you want to earn money in the stock market, keep yourself alert and up to date, keep getting information and news and also analyze their effects. If you keep yourself up to date for earning in the stock market then surely you will earn good money here and you will lose the chances of getting the loss.

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New Income Tax Slabs 2018 | India

Financial Year 2017-18, Assessment Year 2018-19, The finance minister has reduced the income tax slab from 10% to 5% in the slab of 2.5 lakhs and 5 lakhs. With this, there is a proposal to reduce the existing rebates (currently up to Rs 5 lakhs) under section 87A from Rs 3.5 lakh to Rs 2.5 lakh, from Rs 5000 to Rs 2500.


Income less than Rs. 2,50,000 = Zero, The total income is more than Rs 2,0,000 but less than Rs 5,00,000 = 5% on income which is more than 2,50,000, Total income is more than Rs. 5,00,000 but less than Rs. 10,00,000 = 20% of what is more than 5,00,000, Total income is more than Rs. 10,00,000 = 30% more income than 10,00,000


Tax Rates Income less than Rs. 3,00,000 = Zero, Total income is more than Rs. 3,00,000 but less than Rs. 5,00,000  = 5% on income which is more than 3,00,000, Total income is more than Rs. 5,00,000 but less than Rs. 10,00,000 = 20% of what is more than 5,00,000, Total income is more than Rs. 10,00,000 = 30% more income than 10,00,000.


Income less than Rs. 3,00,000 = Zero, Total income is more than Rs. 3,00,000 but less than Rs. 5,00,000 = 5% on income which is more than 3,00,000, Total income is more than Rs. 5,00,000 but less than Rs. 10,00,000 = 20% of what is more than 5,00,000, Total income is more than Rs. 10,00,000 = 30% more income than 10,00,000.


Income less than Rs. 5,00,000 = Zero, Total income is more than Rs. 5,00,000 but less than Rs. 10,00,000 = 20% of what is more than 5,00,000, Total income is more than Rs. 10,00,000 = 30% more income than 10,00,000.

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What is Stock Market and How the Stock Market Works

Share means you have a stock of a company, then you become the owner that company as you have stocks. By buying shares from the stock exchange, you can also become the owner of any company listed here.

To start any company, a lot of capital is required. It is very difficult that one person can put such a huge capital in his company. But if he is divided the capital into small shares, Many people can buy a stake in that company and become the owner of that company. Any person can buy shares in accordance with their capacity to own as much as the company’s share. It is as much as its capacity.

It is necessary for any person to easily purchase shares of a company, that the company is listed on some or all of the stock exchanges. Once a company is listed on a stock exchange, the shares of that company start trading in the exchange. For this, companies come with IPO. After the listing, the shareholder of that company can sell their shares on that stock exchange and the person interested in buying that stock can buy the stock from the same stock exchange. When a company’s stock is readily available for sale or purchase, it is called liquidity or liquidity of the shares of the company. The actual market value of any stock can be higher or lower than its face value. And this price depends on the demand and supply of shares. This is the general rule of the stock market that if the share price is high, its value increases and if the share is not demanded, then the share price decreases.

The person or group of individuals planning to start a company is called a promoter. The promoter holds one share in those shares and the rest is offered to the public. The part that the promoters have usually does not come to be traded in the stock market. The share market is the share of the same trade which is held by the public.

Generally, the investor in the shares is called an investor, but many people work in day trading. According to me, the real investor is there, after buying the stock, keep it with him for a minimum of three years.

After trading or buying a stock in Day Trading, the deal is refunded the same day. That is, if a De-trader thinks that the stock of Reliance Industries is going to increase today, it starts buying at the beginning of the trading and if he sells it back before the market closes, then he will call Day Trading.

According to me, Day Trading is a very dangerous sport and it is gambling in a way so most of the investors should stay away from it. It may be that when you open your trading account with a broker or bank, the staff there invite you for de trading. Understand this, the number of times you trade, the broker will get your brokerage.

It is not necessary that you are profitable in every transaction, so whenever you invest, invest only by thinking about the long term and trust your decision. Frequent switching of shares is not beneficial. Be sure to assess your portfolio every three to six months.

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How to Buy Mutual Funds

The Complete Guide to Easily understand where to buy and where to buy mutual funds, buy online or buy offline, which all formalities have to be completed.

Mutual funds can buy both offline and online. Before investing in a mutual fund, you should thoroughly research and decide which asset management company you have to invest in. Examine different types of mutual funds, their investment objective and past proformas. However, the previous performance can not be guaranteed that in the future, any mutual fund scheme will perform as it has performed earlier.


You can use the services of a financial intermediary i.e. financial intermediary to make an offline investment in a mutual fund. These are called mutual fund distributors. You can invest directly in the mutual fund by going to the office of the Asset Management Company or in the office of the Registrar and Transfer Agent. A bank, non-banking finance company or personal financial advisor can be a mutual fund distributor.


To invest online in a mutual fund, you can invest online by going to the site of a mutual fund asset management company. Here you have to create your account and create a user ID and password. You have to choose a fund of your choice and tell how much you have to invest. You can read the types of mutual funds for your information. You can also get help by calling in Asset Management Company. The names and web addresses of mutual fund asset management companies were given in our previous post.

If you have a demat account with a broker, you can also buy a mutual fund from the broker. In this way, the mutual fund purchased will come directly into your Demat Demat account.

Mutual Funds Whether you buy offline or online, you can also order a SIP purchase in your form. For this, you can also give your bank details and ask for an automatic purchase.

Formalities to apply for Mutual Fund

In order to purchase a mutual fund, you will have to fill out a KYC form and give the proof of identity, copy of the PAN, and address of the residence address with the passport size photograph. Put a habit of investment from today and see your future dreams come true. Small investments made in mutual funds can be a huge amount for one day.

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