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

All about target maturity funds in less than 3 minutes  The maturity usually ranges from 3 to 10 years in the case of target maturity funds and from 1 to 3 years in fixed maturity plans. Notably, a fund house recently launched a 15-year target maturity fund. Who are the ideal investors for target maturity funds?   Suresh Sadagopan of Ladder7 Advisories said that these funds are suitable for long term investors who are not looking for intermittent income during the fund duration. Also, risk-averse investors seeking reasonable returns and protection from interest rate volatility can consider these funds, he said. To this, Sadashiv Phene added, “Investors’ horizons should align with the maturity of the fund. They stand to lose the advantages if they exit mid-way.” Does it make sense to invest in these funds at this juncture? Suresh believes investors can opt for target maturity funds at this juncture. However, Sandeep recommended investing if the funds are due for maturity in thr...

What is the future of LIC stock?     Since its listing, LIC has sparked discussion about the post-listing performance of PSU (public sector undertaking) stocks. The insurance behemoth has been trading in red on most days since its market debut. The stock is down 15% from its listing price of ₹949. But LIC is not the first government stock to disappoint investors. As per Prime Database, half of 22 PSU stocks listed since 2010 are trading below their issue price. Through these 22 PSU stocks, the government raised ₹77,000 cr., a quarter of which was contributed by LIC. But what went wrong with LIC in particular? The most-awaited IPO of the year was able to raise  ₹20,560 cr . despite unstable market conditions primarily due to the geopolitical tensions caused by the Russia-Ukraine war. Moreover, the stock was criticised for being overvalued, and the market did expect a beating in its post-listing price. Talking about the fundamentals of the stock, Emkay Global sa...

Understanding Funding Cover in Insurance: A Smart Way to Manage Risk and Capital In the world of insurance and reinsurance, funding covers are strategic tools that help insurers manage claims while maximizing the value of unused premium funds. But what exactly is a funding cover, and how does it work? What Is a Funding Cover? A funding cover is a financial arrangement typically used alongside excess-of-loss reinsurance . It involves setting aside insurance premiums in a designated account, which can later be used to pay out claims. Any unused amount from this pool can be returned to the insurer or the policyholder, depending on the structure of the agreement. Think of it as a safety net—a pool of funds created in advance to handle specific, limited risks. Key Highlights: A funding cover holds premiums in reserve to pay for future claims. It operates as a type of Alternative Risk Transfer (ART) , providing insurers with more flexibility in risk management. These covers also ge...

 4 Simple Steps To File A Mediclaim In India Are you confused on how to file a mediclaim insurance policy. Tata AIG brings you 4 easy steps to file a mediclaim in India. Get to know the mediclaim reimbursement process, how to apply for a mediclaim policy, documents required for mediclaim here. Read now. Step-by-Step Guide to File a Mediclaim in India pettetMrs. Sindhu was very flustered. She should have been thrilled now that her husband was home after spending weeks in the hospital. But instead, she felt even more exhausted. Trying to file the claim for her husband’s medical health care had left her completely harassed Wherever she looked, she found receipts, bills and medical reports. They were everywhere! She knew she had to fill in some sort of claim form. And she had no idea which original documents were required for the claim to be processed. Mrs. Sindhu felt very disoriented. But then, just when things were getting really overwhelming, she met a friend who had recent...

इंश्योरेंस क्लेम रिजेक्ट क्यों होता है? जानिए मुख्य कारण और समाधान इंश्योरेंस पॉलिसी लेने का मकसद यही होता है कि ज़रूरत के समय मदद मिल सके। लेकिन जब आप अपनी इंश्योरेंस पॉलिसी पर क्लेम करने की कोशिश करते हैं, तो कभी-कभी इंश्योरेंस कंपनी आपका क्लेम खारिज कर देती है या पूरा भुगतान नहीं करती। ऐसे में यह जानना ज़रूरी है कि आखिर क्लेम रिजेक्ट होने के पीछे क्या कारण हो सकते हैं। इंश्योरेंस कंपनी आपका क्लेम क्यों रिजेक्ट कर सकती है? पॉलिसी एक्टिव नहीं थी: जिस घटना के लिए आप क्लेम कर रहे हैं, उस समय पॉलिसी वैध नहीं थी। गलत जानकारी देना: अगर पॉलिसी लेते समय आपने कोई जरूरी जानकारी छिपाई या गलत जानकारी दी, तो पॉलिसी अमान्य हो सकती है। पॉलिसी के नियम: कुछ खास चीज़ें पॉलिसी में कवर नहीं होतीं या उसमें एक्सक्लूज़न क्लॉज होता है। प्रीमियम का भुगतान नहीं करना: अगर आपने प्रीमियम की किस्तें समय पर नहीं दी हैं तो क्लेम रिजेक्ट हो सकता है। परिस्थितियों में बदलाव की जानकारी नहीं दी: आपने अगर अपनी परिस्थितियों में बदलाव की जानकारी इंश्योरर को नहीं दी है तो क्लेम पर असर पड़ सकता है। क्ले...

  Jan Dhan account holders will get Rs 1.30 lakh, here’s how If you have likewise opened an account under the Pradhan Mantri Jan Dhan Yojana, then you are getting a complete advantage of Rs 1.30 lakh. If you have likewise opened a Jan Dhan account in the bank making the most of the Pradhan Mantri Jan Dhan Yojana, then there is uplifting news for you. Jan Dhan account holders will get an advantage of Rs 1.30 lakh from the Central government. To avail this, then open Jan Dhan account right away. This is a plan under which the account of the poor of the nation is opened on no balance in banks, post offices and nationalized banks. Under the Pradhan Mantri Jan Dhan Yojana-(PMJDY), clients get many kinds of monetary assistance. Allow us to let you know how you also can avail Rs 1.30 lakh. Along these lines, you will get an advantage of Rs 1.30 lakh In the account opened under this plan, an all out advantage of Rs 1.30 lakh is given to the account holder. Mishap protection is l...

बाइक बोट स्कीम घोटाला: ₹62,100 के बदले ₹19,765 हर महीने का झांसा! ₹62,100 के निवेश पर ₹19,765 हर महीने कमाने का झांसा: जानिए ‘बाइक बोट स्कीम’ घोटाले की पूरी हकीकत देश का सबसे बड़ा रिटर्न स्कैम , जिसमें 2 लाख लोगों ने गंवाई ज़िंदगी भर की पूंजी क्या आप सिर्फ ₹62,100 के निवेश पर हर महीने ₹19,765 कमाने की उम्मीद करेंगे? शायद नहीं, लेकिन 2018 में एक स्कीम आई जिसने लोगों को इसी सुनहरे सपने में फंसा दिया। इस स्कीम का नाम था "बाइक बोट स्कीम" , और इसके जरिए भारत के लाखों लोगों से ₹15,000 करोड़ की ठगी कर ली गई। 🔍 स्कीम की शुरुआत कैसे हुई? 2018 में बसपा नेता संजय भाटी ने एक कंपनी बनाई – ग्लोबल ट्रेडर्स एलायंस (GIPL) । कंपनी ने एक इन्वेस्टमेंट प्लान लॉन्च किया जिसमें कहा गया: ₹62,100 देकर आप एक बाइक कंपनी के नाम पर खरीदते हैं। कंपनी इस बाइक को Ola/Uber जैसे टैक्सी सर्विस के तौर पर चलाएगी। हर महीने ₹19,765 तक की गारंटीड इनकम मिलेगी। ज्यादा बाइक्स खरीदकर इनकम बढ़ाई जा सकती है। यह स्कीम इतनी आकर्षक थी कि देश भर से करीब 2 लाख ...