Shriram Assured Advantage Plus

Shriram Assured Advantage Plus (UIN- 128N084AV02) is an Endowment Plan that provides you Guaranteed Returns along with a Life Insurance cover. This is a Single Premium plan where you have to pay premium once and remain covered for 10 years. 

Savings are essential for a stress feature, and if invested correctly in Guaranteed Plans, you and your loved ones are protected from the uncertainties of life.

Key Features

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• Pay premium only once.
• Guaranteed returns after 10 years.
• Additional protection through Riders.

• Life Insurance for 10 years.
• 3 Maturity benefit options.
• Higher maturity benefits for higher premium policies.

Note:

• If the life assured dies after commencement of the instalments, the outstanding annual/monthly instalments (i.e. from the date of death to the last instalment to be paid) will continue to be paid to the nominee(s) or beneficiary (ies).
• Please read the policy document and the product brochure for more details.

RIDERS

You can opt any of the following Riders by paying additional premium. The riders can be opted at the inception of the policy only.

Accident Benefit Rider (UIN 128B001V03)

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In case of death or total and permanent disability due to accident during the rider term, we will pay 100% of the rider sum assured.

Family Income Benefit Rider (UIN 128B002V03)

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In the event of accidental death or if the life assured becomes totally and permanently disabled due to an accident within the rider term, 1% of rider sum assured is payable every month immediately from the end of month of accident for a guaranteed period of 10 years or till the end of the rider term whichever is higher.

Shriram Extra Insurance Cover Rider (UIN 128B009V03)

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In case of death of the life assured during the rider cover term, sum assured under rider will be paid to the nominee.

Shriram Critical Illness Cover Rider (UIN 128B010V03)

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If you are diagnosed to be suffering from any of the 6 specified Critical Illnesses, we will pay 100% of the rider Sum Assured on survival of 30 days following the date of first instance of confirmed diagnosis.

Disclaimer:

• For more details on the risk factors and the terms and conditions please read the sales brochure and/ or sample policy document on our website carefully, and/ or consult our advisor before concluding the sale.
• Tax benefits are subject to change as per tax laws. Please consult your tax consultant on tax benefits.

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How Franklin Templeton MF shot in the foot & put Rs 30,000 crore investor wealth at risk

By  

Shubham Raj

These funds have a huge exposure of Rs 14,564 crore to non-banking finance companies.

Franklin Templeton India’s move to freeze nearly Rs 31,000 crore worth of assets amid “significant reduction in liquidity and higher redemptions” has laid bare the problems with Indian debt papers, especially sectors to which the fund house has huge exposure.

The six funds, which were closed down by the Indian arm of one of the world’s biggest fund houses, are neck deep in sectors that have been in the news in recent times due to negative reasons.

These funds have a huge exposure of Rs 14,564 cr to non-banking finance companies (NBFCs), Rs 5,532 crore to the power sector and Rs 3,480 crore to infrastructure and realty -- a combined Rs 23,567 crore ($3.07 billion) or 76.41 per cent of the total wealth under freeze, as per data available with Accord Fintech, a financial database manager.

Analysts said the health of the debt papers of many of the companies in these sectors are likely to deteriorate even though the companies have taken steps to dodge lockdown blows. They were already dealing with a liquidity crunch even before the lockdown started.

“NBFCs are lenders to the high risk space of residential developers, whom banks are not very keen on lending. They will find an added level of difficulty in getting collection from residential developers,” said Sachin Gupta, Senior Director, Crisil Ratings.

RBI on Thursday tried to open a new line of credit to banks to facilitate targeting lending to NBFCs, but there were fewer takers for the arrangement, as banks are hesitant to increase exposure to NBFCs.

Source - Economic Times

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Trading Rules In Stocks Market

ट्रेडिंग  करने के नियम |

1 .हमेशा स्टॉप लॉस को लगाएं ,स्टॉप लॉस के  लेवल को कभी बढ़ाएं नहीं |अगर आप स्टॉप लॉस को नजर अंदाज करेंगे तो अगले दिन मार्किट आपको नजर अंदाज कर देगी |कभी भी अपनी पूंजी का 5-10  % से ज्यादा मार्किट में ना लगायें |

2 .हमेशा अपना पोर्टफोलियो बनाकर रखें  |

3 .याद रखें सारे शेयर्स मुनाफा  नहीं दे सकते |

4 .  इंट्राडे  इन्वेस्टमेंट पुरे दिन की जॉब की तरह है इससे पार्ट टाइम बेसिस पर नहीं कर सकते| 

5 . बहुत जरूरी है अपने टारगेट को सेट करना जिस तरह  समय पर प्रॉफिट बुक करना जरूरी है उसी तरह  समय पर लॉस बुक करना और भी जरूरी है |

6 . इंट्राडे व्यापर के लिए हाई वॉल्यूम्स वाले शेयर्स पर ट्रेड करें |

7 .केवल उतना ही पैसा बाजार में  लगाएं जितना नुकसान आप  झेल सकते है |

8 . मार्किट ट्रेंड का मुकाबला नहीं करें बल्कि मार्किट ट्रेंड को फॉलो करें 

9 .छोटा प्रॉफिट पर्याप्त है याद रखें दिन का १% मुनाफा साल का 300% मुनाफ होगा |

10 .घबराहट और भावुक होने की बजाए अनुशासन और धैर्ये से काम करें |

11 .कभी भी प्रॉफिट को लोस्स में ना जाने दे |

12 . मार्किट शुरू होने के 15-30 मिनट के अंतराल  में कोई भी ट्रेड नहीं करें |

13 .ट्रेड करने से पहले मार्किट की पूरी जानकारी लें और मार्किट में एंट्री लेने से पहले हमेशा मॉक ट्रेडिंग का इस्तेमाल करें |

14 . मुनाफा बुक करने से पहले नुकसान बुक करना सीखें हर नुकसान आपको बाजार के प्रति ज्ञान देगा  |

15 .उन घटनाओं के बारे में जानकारी रखें जिनसे मार्किट प्रभावित होती है | घटनाओं से ज्यादा घटनाओ के प्रति प्रतिक्रिया ज्यादा महत्वपूर्ण है |

16 .कभी भी खरीद और बिक्री सिर्फ इसलिए ना करें क्योंकि price कम या ज्यादा है |

17. बाजार में गलत entry और गलत exit या सही  या गलत एग्जिट को टालने की कोशिश करें|

18. इस मार्केट मे बहुत से ऐसे लोग हैं उनसे बचें जो कहते हैं कि आपके कैपिटल को double कर देंगे, वो भी one month मे। 

19. रूल्स तो बहुत हैं इस मार्केट के लेकिन जिसने इसे फॉलो किया वो मुनाफे मे रहा, ओर जिसने नहीं किया वो घाटे मे रहा। 

20. इस मार्केट से ऐसा नहीं है कि पैसा कमाया नहीं जा सकता, कमाया जा सकता है लेकिन उसके लिए आपके बनाए हुए रूल्स और आपमें patience का होना जरूरी है। 

21. मैंने अपने इस मार्केट के कैरियर मे बहुत से ऐसे लोगों से मिला हूँ जो कहते हैं कि मैंने 10-20 लाख का नुकसान किया या 60 लाख का।

लेकिन जब उनसे पूछा कि आप 10 लाख या 20 लाख इनवेस्ट कर कोई बिज़नस स्टार्ट करते हो तो क्या monthly returns आता तो उनका जवाब था 40-50 हजार रुपये monthly और कभी कभी मंदी हो तो 30 हजार भी मुनाफा होता है।

चलिए दोस्तों अब इसको मैं सिंपल calculations के जरिये समझाने की कोशिश करता हूं।

याने कि मानलो मैंने या आपने 5 लाख रुपये लगा कर एक बिज़नस स्टार्ट किया, जिसमे धीरे धीरे growth hona shuru हुआ ओर monthly इंकम averages 30,000X12= 3,60,000 Rs.

5लाख के इनवेस्ट में yearly returns देखें तो 50% से ज्यादा हुआ lagbhag 75%.

तो मेरे भाइयों इससे ज्यादा क्या चाहिए आपको।

इस मार्केट से अगर  5 लाख के  investment से monthly 3% भी हुआ तो भी 15,000 Rs अपका,

yearly 1,80,000 Rs होता है।

इस मार्केट को आप बिज़नस ही समझें, ना कि जुए का अड्डा।

*धन्यवाद*

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Even after the Corona crisis, these stocks gave returns of up to 315%, check the condition of your investment in 1 year

Even after the Corona crisis, these stocks gave returns of up to 315%, check the condition of your investment in 1 year

The stock market started this year with a spectacular rally and on 20 January the Sensex and Nifty set record highs. Sensex reached 42274 level on 20 January. The market remained at its peak levels till 20 February amid fluctuations. But since then, the corona virus which has caught the world has worsened the condition of the stock market. Due to the Corona epidemic, there has been a situation of economic uncertainty, due to which the markets have been seen selling fiercely for the last one and a half months. The condition of the domestic market is that it has broken about 12500 points from its 52-week high. The figures of the entire financial sector were also affected and the Sensex fell by about 23 percent and 26 percent in the Nifty in one year. However, in the meantime, there are many such stocks which have been successful in cheering the investors. Let's see where the money made in the entire financial year was drowned.

Major index declines in percentage

SENSEX            9204.42       23.80%
Nifty                  3026.15       26.03%
Nifty Bank        11282.80      37.08%
BSE Midcap     4909.69        31.72%
BSE 500           4206.34        27.48%


BSE-500: These stocks gave returns of up to 315%

Adani Green Energy
Return: 315 percent
Stock gain: Rs 117

Abbott India
Return: 113 percent
Stock gain: Rs 8221.45

New fluorine
Return: 77 percent
Stock gain: Rs 547.05

Gujrat gas
Return: 67 percent
Stock gain: Rs 100

Relaxo Footwear
Return: 55 percent
Stock gain: Rs 211

Fine organics
Return: 54 percent
Stock gain: Rs 663

Burger paints
Return: 54 percent
Stock gain: Rs 173

Dixon technology
Return: 52 percent
Stock gain: Rs 1225

Amber Enterprises
Return: 50 percent
Stock gain: Rs 407

Avenue Supermart
Return: 49 percent
Stock gain: Rs 725

Stocks that have given the highest returns in heavyweights
Nestle India
Return: 48 percent
Stock gain: Rs 5294.95

Airtel
Returns: 44 percent
Stock gain: Rs 135

HUL
Return: 35 percent
Stock gain: Rs 590

Asian paints
Return: 12 percent
Stock gain: Rs 174.80


BSE-500: Investors' money immersed here

Gayatri projects
Return: -94.70 percent
Shares fall: Rs 151.10

Jain Irrigation
Return: -94%
Shares fall: Rs 55.65

Dewan Housing Finance
Return: -94%
Shares fall: Rs 141.85

Reliance Infra
Return: -92.61 percent
Shares fall: Rs 126.60

Dish tv
Return: -89.45 percent
Shares fall: Rs 34.75

Indiabulls Housing
Return: -88.74 percent
Shares fall: Rs 760.65

Harmony Engineering
Return: -88.36 percent
Shares fall: Rs 220.15

Arvind Fashion
Return: -86 percent
Shares fall: Rs 900.65

PC Jewelers
Return: -86 percent
Shares fall: Rs 70.95

Magma fincorp
Return: -85.62 percent
Shares fall: Rs 100.60

Indian Bank
Return: -84.52 percent
Shares fall: Rs 235.40

Future consumer
Return: -84.46 percent
Shares fall: Rs 38.09

Bluechip: Where Most Money Dipped
IndusInd Bank: -80%
Mahindra & Mahindra Bank: -58%
ONGC: -57%
Axis Bank: -51%
Tata Steel: -48 percent
ITC: -42 percent
L&T: -42%
SBI: -39 percent
NTPC: -38 percent



Source: Financial Express

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COVID 19 impact: IRDAI asks insurers to allow travel insurance policies' extension sans charges

The insurance regulator IRDAI has, in COVID 19 related instructions issued to insurance companies, said that they "may allow travel insurance policyholders to extend the start/end dates of policies valid between March 22, 2020, and April 30, 2020. This means that policyholders may soon get an option from insurers to extend their travel insurance policy dates without paying extra charges to ensure that the impact of the coronavirus pandemic on their travel plans and finances is cushioned.

The option to extend dates without extra charges will come as a relief for those policyholders who have or will now have to reschedule their air ticket bookings due to the strict lockdown measures announced by the government to contain the spread of the deadly coronavirus (COVID 19).

In a circular issued on March 30, the Insurance Regulatory and Development Authority of India (IRDAI) states, "In case insurers have issued travel insurance policies which were/are valid between 22nd March 2020 and 30th April 2020, an option may be provided to the policyholders to defer the date of travel without any additional charge."

Here is a look at what this measure means for a policyholder.

What the IRDAI measure means for policyholders
Under normal circumstances, insurance companies do not allow date changes in their travel insurance policies and the customer has to cancel the policy (which costs around Rs 250-350 as cancellation charge) and then purchase a new policy, explains Tarun Mathur, Chief Business Officer of Policybazaar.com. "However, as per the IRDAI circular, the insurer will now have to allow change of dates or cancellation of the policy and rebooking of the policy without cancellation fees," he added.

So, if you are someone who was booked to fly during this time, you can reschedule the trip start date (in the policy) without paying an additional charge. However, do keep in mind that since this is just a guidance to insurance companies from IRDAI, the extent to which it is implemented depends on the insurance companies.


Why this was a much-needed announcement
The entire country is under a strict lockdown for 21 days (at least) till April 14, 2020. During this time, not only have people been ordered to stay at home, but even public transport like buses, metros, long-distance trains, and even flights have been suspended till April 14, 2020.

The Directorate General of Civil Aviation (DGCA), last week, said its earlier order suspending scheduled passenger, charter and private aircraft flight "is hereby extended till 18:30 hours (India time), April 14, 2020." What this means is that both domestic and international flights will only restart operations from April 14.

In this regard, many airlines have been sending communications to their customers informing them not to reschedule or cancel their tickets, as their PNRs or bookings will be 'protected'. For instance, Vistara in an email said that "If your journey with us starts on or before 30-Apr-20, we have already extended the validity of your booking PNR until 31-Dec-20, so you have the flexibility of choosing another date for travel until then. There will be no 'change fee' for one-time rescheduling (fare difference, if any, applies). You do not need to decide on your revised travel dates now - you have until 31-Dec-20 for this."

Similarly, GoAir in a press release stated, "If a customer cannot or chooses not to travel, they can simply not show up for the flight and GoAir will protect the PNR for one year. The passenger can contact GoAir at any time over the next one year to redeem this ticket on ANY GoAir flight on any date between 15th April 2020 and 15th April 2021 with no charges being levied (Fare difference may be applicable)."


Source - Economic Times

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