Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

स्थायी जीवन बीमा पॉलिसी पर "पूर्णतः भुगतान" का क्या अर्थ है?

Milind Vadjikar |1206 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 29, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Niti on Jan 29, 2025English

Listen

Money

स्थायी जीवन बीमा पॉलिसी पर "पूर्णतः भुगतान" का क्या अर्थ है?

Ans: नमस्ते;

यदि आप सभी प्रीमियम का भुगतान नहीं करते हैं तो पॉलिसी की शुरुआत में तय की गई बीमित राशि कम हो जाती है। कम बीमित राशि वाली इस पॉलिसी को पूरी तरह से भुगतान की गई पॉलिसी के रूप में जाना जाता है।

एंडोमेंट पॉलिसी के लिए न्यूनतम 3 प्रीमियम और यूलिप के लिए 5 प्रीमियम का भुगतान करना होगा ताकि भुगतान की गई पॉलिसी सुविधा के लिए पात्र हो सकें।

शुभकामनाएँ;

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

MoneyReply

आप नीचे ऐसेही प्रश्न और उत्तर देखना पसंद कर सकते हैं

Anil Rego |388 Answers |Ask -Follow

Financial Planner - Answered on Jun 08, 2022

Question by Dinesh - Jun 08, 2022English

Listen

Money

प्रिय महोदय, एकल प्रीमियम जीवन बीमा पॉलिसियों की शुद्ध परिपक्वता आय अब कर योग्य है।</p> <p>सवाल यह है कि क्या पॉलिसी की अवधि के दौरान अंतराल पर भुगतान किए गए उत्तरजीविता लाभों को “शुद्ध परिपक्वता आय” में शामिल किया जाना चाहिए; एकल प्रीमियम जीवन बीमा पॉलिसी से आय की गणना के उद्देश्य से।</p> <p>मैंने 97048 रुपये के एकल प्रीमियम और 9 वर्ष की अवधि वाली एक बीमा पॉलिसी खरीदी। बीमा राशि रुपये थी. 130000 सकल परिपक्वता आय रु. 111348 रुपये के दो जीवित लाभ थे। 3 वर्ष के अंतराल पर प्रत्येक को 19500 रु.</p> <p>मेरे आम आदमी की समझ में, इस पॉलिसी से मेरी आय 111348 रु. है जिसमें से एकल प्रीमियम रु. 97048 आई. इ। 14300.</p> <p>लेकिन एलआईसी इसमें दो उत्तरजीविता लाभ जोड़कर टीडीएस काट रही है। इ। रु. 14300 प्लस 19500 प्लस 19500 कुल राशि रु. 53300.</p> <p>मेरा प्रश्न है, क्या मुझे रु. की रिपोर्ट करनी चाहिए? 14300 या रु. आईटीआर भरते समय मुझे इस पॉलिसी से 53300 रुपये की आय हुई। एआईएस रुपये दिखाता है। 53300.</p>

Ans: </strong>आपको जीवित रहने के लाभों सहित कुल भुगतान (53,300 रुपये) पर विचार करने की आवश्यकता है क्योंकि यह भी आपकी आय है। इसलिए, बीमा कंपनी ने जो कटौती की है वह सही है और एआईएस के अनुरूप भी है।</p>

Ramalingam Kalirajan |8319 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Jul 04, 2024

Question by srinivas - Jul 04, 2024English

Listen

Money

सर, इस स्पष्ट स्पष्टीकरण के लिए धन्यवाद। इसकी सराहना करता हूँ। हालाँकि मैं ICICIPru लाइफ, HDFC पेंशन फंड और HDFC लाइफ के भुगतान के आधे रास्ते पर हूँ। उन्हें सरेंडर करना नुकसानदेह होगा। कृपया सलाह दें। धन्यवाद,

Ans: कम रिटर्न वाली बीमा और पेंशन योजनाओं को जारी रखने के बजाय नुकसान को बुक करना और म्यूचुअल फंड में फिर से निवेश करना अक्सर बेहतर होता है। म्यूचुअल फंड आमतौर पर उच्च रिटर्न और बेहतर लचीलापन प्रदान करते हैं। प्रमाणित वित्तीय योजनाकार (सीएफपी) से परामर्श करने से आपको अनुकूलित सलाह मिल सकती है, जिससे यह सुनिश्चित हो सके कि आपके निवेश आपके वित्तीय लक्ष्यों और जोखिम सहनशीलता के अनुरूप हों। एक सीएफपी आपकी वर्तमान नीतियों का मूल्यांकन करने में मदद कर सकता है और आपके रिटर्न को अधिकतम करने के लिए सर्वोत्तम कार्यवाही के बारे में मार्गदर्शन कर सकता है।

सादर,

के. रामलिंगम, एमबीए, सीएफपी,

मुख्य वित्तीय योजनाकार,

www.holisticinvestment.in

Milind Vadjikar |1206 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 21, 2024

Question by Sreekumari - Sep 21, 2024English

Listen

Money

मैं पूरी रकम नहीं ले सकता? अवधि का क्या मतलब है? जब मैंने पॉलिसी ली थी, तो विश्वसनीय स्रोत ने मुझे बताया था कि 5 साल बाद मैं कभी भी 8.5 प्रतिशत की दर से पूरी रकम ले सकता हूँ। कृपया समझाएँ

Ans: मैंने आपको एसबीआई लाइफ इंश्योरेंस वेबसाइट पर उपलब्ध पॉलिसी विवरण से अवगत करा दिया है। अपनी पॉलिसी अनुबंध की शर्तों और नियमों की सटीक व्याख्या के लिए आप कृपया अपने बीमा सलाहकार से संपर्क कर सकते हैं।

नवीनतम प्रश्न

Dr Nagarajan J S K |367 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on May 05, 2025

Question by CHAITANYA - May 04, 2025

Career

Hello I am a 4th year mbbs student in Tbilisi Georgia, I am an Indian citizen and I wish to persue pg programs in Dubai, what are the necessary things I need to keep in mind what exams should I start to prepare for, as of now I will be preparing for NEXT as FMGE (Indian exam)will be replaced via NEXT.

Ans: Hi Chitanya,
Why do you prefer pursuing postgraduate medicine in Dubai?
What advantages does it have over other countries?
Regardless, you will still need to prepare for language requirements and eligibility exams.
Instead, you could consider other countries like the UK or Australia, which offer numerous benefits such as a diverse patient population and advanced technology.
Postgraduate education is a crucial step in your career, and the number of institutions in Dubai is relatively limited, which could impact the level of expertise available.
I’ve not heard that Dubai is suitable for medical tourism, but I'm not entirely convinced. If that’s the case, it might be beneficial.
However, I would suggest considering India or, if not, opting for other countries for your postgraduate studies.
BEST WISHES.

POOCHO. LIFE CHANGE KARO.

Prof Suvasish Mukhopadhyay |615 Answers |Ask -Follow

Career Counsellor - Answered on May 05, 2025

Question by Dr - May 05, 2025

Career

VNIT, Nagpur for chemical versus IIIT, Trichy for computer science which one would be advisable for career

Ans: Please don't ask whether I should recommend chicken kebab or Gulab jamun.First ask yourself what is your choice.

Dr Dipankar Dutta |1197 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on May 05, 2025

Question by Rakesh - May 04, 2025

Career

Dear Sir, as my son Inter bord got 91% but in Jee mains 1st attempt got 50% and 2nd attempt got 70%, but he was not eligible for Advance, and he was wrote other college exams as (IIIT Hyd + VIT+TSEAPCET) in that VIT got results as 1.20 Lakh rank and he was eligible for Round of Category of 5th for VIT-AP & VIT-Bhopal, and expecting results for IIIT Hyd and also waiting for other Exams as (COMEDK + MIT + BITS), he was sincerely trying the efforts private college entrance exams, but the results which is not satisfy for him, and getting disappoint, but I was giving the motivation for other exams and do the hard work and focus on, BITS & IIT-Hyd also very tuff and more competitive, as i need to think for the negative side, if he could not get any cut of marks, what is the next option....? I request you pls give any other alternate suggestions for which is alternate engineering university for the course of (CSE AI & ML), my son interested in CSE course only

Ans: You have tried almost all.

Radheshyam Zanwar |1599 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 05, 2025

Question by Sakshi - May 05, 2025

Career

I appear for hsc mh board exam but my score for neet grouping is not that enough.so I want to give improvement exam in July.... But can I give improvement in only 2 sub if I want to improve that

Ans: Hello Sakshi
As per my knowledge, you have to appear for all the subjects for improvement. Yet, it is recommended to visit your college administration for more exact details without wasting time.
Follow me if you like the reply. Thanks
Radheshyam

Radheshyam Zanwar |1599 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 05, 2025

Question by Lalit - May 05, 2025

Career

is EEE in IIIT Gwalior a good choice from perspective of future prospects?

Ans: Hello Lalit
EEE (Electrical and Electronics Engineering) at IIIT Gwalior (ABV-IIITM) can be a decent choice. But if you're strictly interested in core electrical engineering, other colleges (like NITs) might be a better option because not many EEE-core companies visit the campus in comparison to CS/IT branches. Finally, if your interest is strictly in core EEE, IIIT Gwalior might not offer as many labs or core recruiters as older NITs or IITs with stronger electrical departments.
Follow me if you like the reply. Thanks
Radheshyam

Asked on - May 05, 2025 | Answered on May 05, 2025

Thank you very much for your quick response.

Ans: Welcome.
If not followed, pl follow and like. Thanks

Radheshyam Zanwar |1599 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on May 05, 2025

Asked by Anonymous - May 05, 2025

Career

Suggest me for getting any specific nit with suitable branch except civil engineering with ews rank of 25396 and crl rank of 175000??

Ans: Hello dear.
With your EWS rank of 25,396 and CRL rank of 175,000, there are fewer chances to get admission to NITs in any branch under the mentioned category with the mentioned CRL. But you can try under the state quota at some NITs. Participate in the state-level counseling for more promising branches. To avoid Civil, you may try for Metallurgical, Materials Engineering or Production Engineering. You can consider good private colleges accepting JEE Main scores.
Follow me if you like the reply. Thanks
Radheshyam

Prof Suvasish Mukhopadhyay |615 Answers |Ask -Follow

Career Counsellor - Answered on May 05, 2025

Question by Lalit - May 05, 2025

Career

Which Top Tier IIITs are suitable for CSE / B Tech in CS / IT?

Ans: Comparatively older IIITs.

Asked on - May 05, 2025 | Answered on May 05, 2025

Would it be advisable to go for EEE in IIIT Gwalior vs IIIT Jabalpur or IIIT Lucknow or IIIT Kanchepuram?

Ans: I leave it to you.I won't comment and recommend any particular IIIT.

Prof Suvasish Mukhopadhyay |615 Answers |Ask -Follow

Career Counsellor - Answered on May 05, 2025

Question by Lalit - May 05, 2025

Career

NIT Warangal, Chemical vs EEE, IIIT Gwalior vs Integrated M Tech (IT), IIIT Gwalior?

Ans: Please don't compare between Chicken Tandoori and Rasgulla. Chemical and EEE are miles apart.

Asked on - May 05, 2025 | Answered on May 05, 2025

It is a genuine query sir. This query is from a student who is agnostic of the B Tech stream but is keen to ensure that he is able to study in a college / university of good reputation, good exposure and with good placements.

Ans: Any NIT or IIIT will be sufficient for fulfilling his need.

Mihir Tanna |1052 Answers |Ask -Follow

Tax Expert - Answered on May 05, 2025

Question by Chandran - May 05, 2025

Money

Sir, NRI daughter had LTCG income in FY23-24 and IT returns was filed in ITR-2 as per rules. In FY24-25 there is no taxable income and there is no LTCG also. In such a case, filing may not be required but she would like to file just to recover the small but atrocious deductions made in the SB account.. My query is which ITR form is to be used in this case? In case if ITR-2 is not required, is there anything wrong in using ITR-2 itself?

Ans: In case she is earning interest from saving account only, ITR 1 is applicable and it is advisable not to use ITR 2. Further, ITR 1 can not be filed in following cases like if person own assets (including financial interest in any entity) located outside India; has signing authority in any account located outside India; has income from any source outside India; want to claim deduction from saving interest, is a director in any company; has held any unlisted equity share at any time during the previous year; has agricultural income, exceeding five thousand rupees etc

Refer to Rule 12 for the applicability of form :
https://incometaxindia.gov.in/Pages/rules/income-tax-rules-1962.aspx

Samraat Jadhav |2269 Answers |Ask -Follow

Stock Market Expert - Answered on May 05, 2025

Asked by Anonymous - May 04, 2025

Money

Sir mere 1995 ke physical shares mile h Jindal Vijaynagar ke 200 shares uski AAJ KI VALUE OR BONUS KYA MILEGA??

Ans: the RTA - KFintech are the right people to get you the answer, please connect them on this link
https://www.kfintech.com/contact-us/

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x