PB Care Dot In - सरकारी योजना, बीमा, लोन और बिजनेस जानकारी

 How to save Rs 1 crore with a monthly salary of Rs 25,000 Building a Rs 1 crore corpus with a Rs 25,000 salary requires discipline and time. Experts recommend consistent investment in equity mutual funds via SIPs for long-term wealth creation. Starting early and increasing SIP contributions can accelerate wealth creation significantly if you know the right tools. Further, you must consider factors like risk tolerance and investment tenure as well. ET Wealth Online explains how you can become a crorepati even with a salary of Rs 25,000 per month. Is it possible to save up Rs 1 crore when the monthly salary is just Rs 25,000? Well, it's not easy. But if you can invest regularly over a long period, it is possible to accumulate Rs 1 crore. Here's what you need to do. Experts often say that it is important to set a monetary target when it comes to personal finance. Here the goal is clear: you need to save Rs 1 crore. The next thing you need to do is to find the right product to inv...

 Insurers to reveal number of insurance claims pending and disposed of, says IRDAI circular The latest set of regulations are given in the IRDAI’s master circular on corporate governance, which insurance companies are meant to follow from June 30, 2024 The Insurance Regulatory and Development Authority of India (IRDAI) on Wednesday released a master circular on corporate governance for insurers. Although the circular becomes effective upon issuance, the insurance companies are given time up to June 30, 2024 before they are mandated to adhere to the provisions of this 70-page circular.  These provisions tell the board to ensure that the information with respect to the following is disclosed in the annual accounts. Insurers need to disclose the following: 1) Commission and expense ratios: Quantitative and qualitative information on the insurance company’s financial and operating ratios, viz. incurred claim, commission and expenses ratios. 2) Solvency margin: Actual solvency marg...

एलआईसी अमृत बाल योजना: मिलता है गारंटी युक्त बोनस, लोन की सुविधा भी उपलब्ध एलआईसी की अमृत बाल योजना अपने नाम के अनुरूप बच्चों के लिए अमृत है। जिसमें गारंटी युक्त बोनस मिलता है साथ ही लोन और सरेंडर की भी सुविधा मिलती है। LIC Amrit Bal yojna भारतीय जीवन बीमा निगम की अमृत बाल योजना बच्चों के लिए सबसे अच्छी योजना है। जिसमें प्रवेश की न्यूनतम आयु 30 दिन और अधिकतम आयु 13 वर्ष है। ‌पॉलिसी की खास बात है कि इसमें ₹80 प्रति हजार बोनस की गारंटी है। परिपक्वता की आयु 18 वर्ष से 25 वर्ष है। विकास अधिकारी अमित जायसवाल ने बताया कि इस पॉलिसी में प्रीमियम परित्याग (PWB) का भी लाभ मिलता है। ‌पॉलिसी धारक के न रहने पर प्रीमियम माफ हो जाती है। परिपक्वता (maturity) पर मूल बीमा धन (Basic Sum Assured) के साथ गारंटी कृत बोनस भी मिलता है। अमृत बाल योजना में सरेंडर और लोन की भी सुविधा भी दी गई है। बालिकाओं की पॉलिसी पर लोन लेने की स्थिति में एक प्रतिशत कम ब्याज लिया जाता है। उदाहरण के साथ अमृत बाल योजना को समझें। राजेश कुमार ने अपने 4 साल के बच्चे के लिए अमृत बाल योजना की पॉलिसी ली। जिसमें 21 साल का टर्म है। जबकि...

 Govt to launch a national portal to reduce delays in health insurance claim settlements The government has already linked about 50 insurance companies and 250 hospitals to begin with, and gradually more hospitals and insurance providers will come onboard In what could be a game-changer in the health insurance sector, the Union Health Ministry is soon likely to launch a National Claim Exchange Portal. According to sources, the portal is believed to "provide a single-window interface between health insurance companies, hospitals, and insurance policyholders, with the aim of facilitating easier and faster health insurance claim settlements." The portal is likely to be accessible across India from the time of launch. The government has already linked about 50 insurance companies and 250 hospitals to begin with, and gradually more hospitals and insurance providers will come onboard, sources added. "The portal is ready for launch and will be part of efforts undertaken by the ...

 Paytm Q4 results: Loss widens to Rs 550 crore, sales down 3%; shares react Paytm said its revenue from operations fell to Rs 2,267.10 crore from Rs 2,850 crore in the December quarter and Rs 2,334.50 crore in the same quarter last year. One 97 Communications Ltd (Paytm) on Wednesday said its consolidated net loss widened to Rs 549.60 crore in the March quarter from Rs 219.80 crore in the December quarter and Rs 168.90 crore in the same quarter last year. Revenue from operations fell 3 per cent year-on-year to Rs 2,267.10 crore against Rs 2,334.50 crore in the same quarter last year. Paytm said its March quarter results were impacted by temporary disruption on account of UPI transition and permanent disruption because of PPBL embargo. Paytm has impaired the carrying value of company’s investment in PPBL. "I am happy to share that we have successfully transitioned our core payment business from PPBL to other partner banks. This move de-risks our business model and also opens up new...

 Awfis Space Solutions IPO to open on May 22; check out price band, lot size, other details Awfis Space Solutions IPO: Awfis Space Solutions IPO is set to open for subscription on Wednesday, May 22. The IPO of the workspace solution provider will be open for subscription for three trading days, i.e., until Monday, May 27 from 10 am to 5 pm. Awfis Space Solutions IPO: The initial public offering (IPO) of Awfis Space Solutions is set to open for subscription on Wednesday, May 22. The IPO of the workspace solution provider will be open for subscription for three trading days, i.e., until Monday, May 27 from 10 am to 5 pm. #ipo #k #stockmarket #nifty #sharemarket #stocks #igp #nse #trading #bse #investing #investment #sensex #schutzhund #finance #workingdog #indianstockmarket #stockmarketindia #business #gsd #germanshepherd #india #malinois #dogtraining #money #dogs #investors #mutualfunds #invest #stockmarketnews source

Startup IPO News Roundup Innovations Shaping the Industry'24 Startup IPO landscape in 2024 is being significantly shaped by innovations in artificial intelligence (AI) and machine learning, with a strong investor demand for tech companies integrating these technologies. Notable examples include Astera Labs, whose IPO surged by 54%, highlighting the high interest in tech startups with an AI twist【6†source】. PitchBook's analysis suggests that several AI and machine learning unicorns are poised to go public, driven by a combination of substantial private investments and the development of groundbreaking technologies. Despite the challenges posed by stringent profitability guidelines and the availability of private capital, companies like Cohere, Mistral AI, and Anthropic are making significant strides, with some expected to achieve public listings【5†source】. The broader IPO market in 2024 also features diverse offerings across various sectors. For instance, the Indian IPO market ...

Kotak Mahindra Life Insurance declares 20% higher bonus for over 7 lakh policyholders Kotak Mahindra Life Insurance has announced a bonus of ₹1,007 crore for more than 7 lakh eligible policyholders for FY 2023-24. This is the 23rd consecutive year that Kotak Life has declared a bonus on participating products.   The bonus declared is 20% higher than the bonus amount of FY2022-23.   Participating plans provide policyholders with profit-sharing benefits in the form of bonuses.   This announcement follows a recent trend among major life insurance companies in India declaring substantial bonuses.   Just days earlier, on May 15, HDFC Life announced its highest-ever bonus of ₹3,722 crore, benefiting over 22.23 lakh policyholders.   Last month, Bajaj Allianz Life declared its all-time high bonus of ₹1,383 crore for over 11.66 lakh policyholders for FY 2023-24.   Understanding life insurance bonuses   Life insurance bonuses are additional amoun...

IRDAI REMOVES AGE CAP ON HEALTH INSURANCE PURCHASE IRDAI THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA HAS LIFTED THE AGE CAP ON PURCHASING HEALTH INSURANCE POLICIES, EFFECTIVE FROM APRIL 1, 2024. IRDAI Previously, individuals were restricted to buying new insurance policies only until the age of 65. However, with the recent changes that came into effect on April 1, 2024, anyone, regardless of age, is now eligible to purchase new health insurance. “Insurers must ensure they offer health insurance products catering to all age groups. They may design products specifically for senior citizens, students, children, maternity, and other groups as specified by the Competent Authority,” stated a notification issued by the IRDAI. This move by the insurance regulatory body aims to create a more inclusive healthcare ecosystem in India and to encourage insurance providers to diversify their product offerings. IRDAI has also directed health insurance providers to introduce tai...

PM Mudra Loan Yojana प्रधानमंत्री मुद्रा लोन योजना 2024:  बिजनेस के लिए 10 लाख रूपये तक का लोन लें आसान शर्तों में     PM Mudra Loan Yojana Online Apply 2024 : सरकार द्वारा देश के सभी नागरिकों को अपना खुद का व्यवसाय शुरू करने के लिए एक लोन योजना को शुरू किया गया है, जिसका नाम प्रधानमंत्री मुद्रा लोन योजना है। यह योजना हमारे देश के प्रधानमंत्री नरेंद्र मोदी जी के द्वारा शुरू किया गया है। अगर आप कोई नया व्यवसाय शुरू करना चाहते हैं या अपने व्यवसाय को और आगे बढ़ाना चाहते हैं, तो आप पीएम मुद्रा लोन योजना के माध्यम से 50000.00 रुपए से लेकर 10 लाख रुपए तक का लोन ले सकते हैं।     सरकार द्वारा अभी इस योजना के माध्यम से सभी जरूरतमंद नागरिकों को बैंकों की कुछ आसान सी शर्तों के साथ लोन उपलब्ध करवाया जा रहा है। यदि आप बेरोजगार है और आपके पास इतने पैसे नहीं है कि आप अपना खुद का व्यवसाय शुरू कर सके तो आपके लिए यह एक सुनहरा अवसर होगा आप पीएम मोदी द्वारा शुरू किए गए प्रधानमंत्री मुद्रा लोन योजना 2024 के तहत लोन प्राप्त करके अपना खुद का व्यवसाय शुरू कर सकते हैं।  ...

Understanding Life Insurance Policy Transfer in India   Life insurance portability in India allows policyholders to transfer their coverage to a new insurer for better terms or benefits. Here’s a comprehensive guide to life insurance policy transfer.   If you currently hold a life insurance policy, you might be considering whether transferring it to another insurance company is feasible. Life circumstances change, and your current policy may no longer align with your needs or expectations.   In this guide, we'll delve into the world of life insurance transfers, covering the process, potential benefits, and key factors to consider before making a decision.   **Can Life Insurance Policies Be Transferred in India?**   Yes, life insurance policy transfer from one provider to another is possible in India through a process called insurance portability. This allows policyholders to shift their coverage to a new insurer while retaining the existing policy's te...

Will AI replace Human in Future?      AI Replace Human :  AI replace Human - The question of whether AI will replace humans entirely in the near future is complex and depends on various factors. AI has certainly advanced rapidly in recent years, performing tasks that were once thought to be exclusive to humans, such as playing complex games, recognizing objects in images, and even generating creative content.   However, there are still many areas where human capabilities far exceed those of AI, such as emotional understanding, complex decision-making in ambiguous situations, creativity, and interpersonal communication. While AI can augment human capabilities and automate certain tasks, it's unlikely to completely replace humans in every aspect.   Instead, we're more likely to see AI and humans working together synergistically, with AI handling routine tasks, providing insights from vast amounts of data, and assisting humans in decision-making ...

why health insurance is mandatory to your life now a days   Health insurance has become mandatory in many parts of the world for several reasons: 1. Financial Protection: Health care expenses can be incredibly expensive, and without proper coverage, individuals could face financial ruin due to medical bills. Health insurance provides financial protection against these costs by spreading out payments over time or covering them entirely depending on the policy's terms. 2. Access to Care: Health insurance allows individuals to access healthcare services more easily because they know that their medical expenses will be covered. Without insurance, people may avoid seeking medical attention or delay treatment until their condition becomes severe, worsening their overall health outcomes. 3. Promotion of Preventative Care: Insurance encourages regular checkups and preventive measures such as vaccinations since patients don't have to worry about paying high costs if they get sick or in...

फ्री सिलाई मशीन योजना 2024 | Free Silai Machine Yojana ऑनलाइन रजिस्ट्रेशन फॉर्म   Free Silai Machine Yojana 2024, Initiated by Prime Minister Narendra Modi, aims to empower economically vulnerable women across the nation by providing them with free sewing machines. Under this initiative, the government endeavors to make sewing machines available to women at no cost, enabling them to sustain their families while working from home and fostering self-reliance. Each state will benefit over 50,000 women under this scheme.   If you wish to avail the benefits of this scheme and understand how you can participate, this article is crucial for you. Here, we'll provide comprehensive information about the Free Silai Machine Yojana, including its objectives, eligibility criteria, required documents, application process, and more. Make sure to read this article till the end to acquire all essential details about the same.   Prime Minister Narendra Modi has launched the Free Silai...