• MF News
  • IPO News

Avoid these 3 mistakes while investing through SIPs Be realistic with your expectations from MF SIP. Do not lose track of your financial goals.
Wed, 20 Sep 2017 13:57:03 +0530


AUM @ Rs 20 lakh cr! Top 20 stocks under largecap Rank 1 funds where big boys are betting The amount of money which MFs are receiving is largely backed by retail investors as well as high net worth individuals (HNIs).
Fri, 08 Sep 2017 14:42:28 +0530


Should you mimic mutual fund managers’ stock picks? The better way, some think, is to be with the big boys – buy what big fund managers are buying. But is it a good idea?
Fri, 08 Sep 2017 11:06:30 +0530


Arbitrage fund or short term bond funds: Which one works for you? The tax treatment and the expected returns should you help you to decide on the right bet.
Mon, 04 Sep 2017 12:24:44 +0530


MFs tapping retail savings on slashed bank savings deposits rates: ICRA Last month, State Bank of India reduced it#39;s interest rates by 50 basis points to 3.5 per cent for savings deposits of less than Rs one crore. Subsequently, several other public and private sector banks cut their savings deposits rates by 50 basis points.
Wed, 30 Aug 2017 18:10:17 +0530


Fund managers conviction bets? Top 20 stocks where MFs has more than 2% exposure MFs were net buyers in two-thirds of the Nifty stocks last month. The highest net buying in July on a MoM basis was witnessed in HDFC, Hero MotoCorp, and Ambuja Cements.
Thu, 17 Aug 2017 12:46:26 +0530


Subscribe to SBI Life Insurance Company : Ajcon Global Ajcon Global has come out with its report on SBI Life Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 19, 2017
Wed, 20 Sep 2017 11:46:06 +0530


Subscribe to SBI Life Insurance Company : SPA Research SPA Research has come out with its report on SBI Life Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 19, 2017
Wed, 20 Sep 2017 11:35:57 +0530


Subscribe to SBI Life Insurance Company : Way2Wealth Way2Wealth has come out with its report on SBI Life Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 19, 2017
Wed, 20 Sep 2017 11:27:34 +0530


SBI Life Insurance raises Rs 2,226 crore from 69 anchor investors The company through its merchant bankers informed exchanges that under anchor investors portion in the public issue of SBI Life Insurance Company, 3.18 crore equity shares have been subscribed on Tuesday by 69 anchor investors.
Wed, 20 Sep 2017 08:45:27 +0530


SBI Life’s Rs 8,400-cr IPO kicks off today. Should you subscribe to the issue? Brokerage houses largely recommend subscribing to the issue, citing healthy valuations and better business prospects.
Wed, 20 Sep 2017 07:40:55 +0530


SBI Life Insurance IPO to open on September 20; 10 things to know before investing The IPO by size is expected to be the largest in life insurance space in India and it would be the second life insurance company to list on bourses.
Tue, 19 Sep 2017 20:41:36 +0530


Subscribe to SBI Life Insurance Company : HEM Securities HEM Securities has come out with its report on SBI Life Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 19, 2017
Tue, 19 Sep 2017 15:15:28 +0530


Share India Securities SME IPO to open on 21st sept 2017 ShareIndia Securities SME IPO to open on 21st sept 2017
Tue, 19 Sep 2017 12:48:59 +0530


ICICI Lombard IPO oversubscribed 3 times on QIB support Post-issue, the shareholding of Fairfax will reduce to 9.91 percent from 21.91 percent and ICICI Bank#39;s stake will come down to 55.92 percent, from 62.92 percent.
Tue, 19 Sep 2017 12:39:30 +0530


Subscribe to ICICI Lombard General Insurance Company  : HEM Securities HEM securities has come out with its report on ICICI Lombard General Insurance Company , The research firm has recommended to “ Subscribe ” the IPO in its research report as on September 18, 2017
Mon, 18 Sep 2017 17:43:06 +0530


Bharat Road Network ends with gains of 1.5% on listing day There were some swings seen in the stock during the morning session, as it fell over a percent in the first few minutes, but has now gained around 4 percent later.
Mon, 18 Sep 2017 17:32:02 +0530


Solid debut: Dixon Tech ends with hefty premium, up 64% at Rs 2,891.55 on NSE Dixon closed with a premium of 63.73 percent at Rs 2,891.55 on the National Stock Exchange, against issue price of Rs 1,766.
Mon, 18 Sep 2017 16:40:17 +0530


Tepid Listing: Bharat Road Network opens flat at Rs 205 Soon, the stock saw sharp swings, as it fell over a percent in the first few minutes, but has now gained around 4 percent.
Mon, 18 Sep 2017 10:15:53 +0530


Stellar listing: Dixon Tech debuts at Rs 2,725; up 64% over issue price Consumer electronics manufacturer Dixon Technologies started off trade at Rs 2,725, up 54 percent over issue price of Rs 1,766.
Mon, 18 Sep 2017 10:00:54 +0530


Dixon Technologies, Bharat Road Network to debut on bourses on September 18 Dixon Technologies has fixed issue price at Rs 1,766 per share and Bharat Road Network has set it at Rs 205 per share, the higher end of price band.
Sun, 17 Sep 2017 13:12:29 +0530

SCHEDULED A MEETING
Name :
City :
E-mail :
Mobile :
Message :
Captcha Code "670543"
 
Insurance

Insurance

 

Life Insurance offers a way to replace the loss of income that occurs when someone dies (usually the person who produces the majority of income in a family situation). It is a contract between you as the insured person and the company or “carrier” that is providing the insurance. If you die while the contract is in force, the insurance company pays a specified sum of money free of income tax- “Cash benefits”- to the person or persons you name as beneficiaries.

A good life insurance program does more than just replace the loss of income that occurs if you die. It should also provide money to cover the new costs that arise after your death —funeral expenses, taxes, probate costs, the need for housekeepers and child care, and so on. And these cash benefits should provide for your family”s future needs as well, including college education for your children and part or all of your spouse”s retirement needs. In almost all cases, your beneficiary can use the cash benefits in the way he or she sees fit, without restriction.

Some types of life insurance- Endowment/Money Back policies — have a cash value that you can obtain by cashing out the policy or by borrowing against it. Though it can seem attractive, most financial experts agree that this feature should be seen as a secondary purpose of life insurance. Another type of insurance is pure term life policies as well.

Do You Really Need Life Insurance?


If there is someone who would suffer economic hardship if you died, then the answer is yes... you need life insurance!  Families with young children have a clear need for life insurance. If both spouses work, the loss of one income will cause the family immediate economic hardship and make it harder for them to realize future goals, such as paying for the children”s” education. But even if one spouse works "inside the home" and doesn”t bring in a formal income, his or her death will require the surviving spouse to hire child care, housekeepers and other professionals to help run the household - and that can be a significant new expense.

If you are married without children or single, then you may need life insurance to protect your partner or surviving family members against the costs associated with your death.  Child education and administrative fees, outstanding debts, special obligations, are costs that all of us must consider.  And, they can add up quickly. Unless you already have sufficient financial resources, your survivors will probably need life insurance to cover these expenses.

 

 What Happens To Your Family If You Don”t Have Enough Coverage?


Under any circumstances, the loss of a loved one is a traumatic experience.  But, if your family is also left without sufficient money to meet basic living needs or prepare for future goals, they will have to cope with a financial crisis at the same time. Depending upon their current financial resources and ability to "get back on their feet" emotionally and financially, your family might be forced to move to a less desirable home or community, abandon education and career plans, reorder family priorities (such as the amount of time spent with the children) and, in general, cut back on the quality of life you have worked hard to achieve.

Your family might even be forced to go into debt simply to pay the expenses, like funeralcosts, taxes, and medical bills that result from your death.  A moment”s reflection will tell you that the lack of sufficient life insurance coverage when a loved one dies can have devastating consequences for a family...consequences that can last for years.

Life-based contracts tend to fall into two major categories:

  • Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
  • Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms are Endowment, Money Back, Immediate Annuity, Deferred Annuity, and Unit Linked Insurance Plans.

 

Life Insurance - Term Life Insurance - Whole Life Insurance 

With a policy in place today, you can: 

1)provide security for your family

2)protect your home mortgage

3)look at your estate planning needs

4)look at other retirement saving & income vehicles

People buy life insurance because too often most of their other plans fail. They buy it because they realize the need of protection for their families after their death; or for a reserve for emergencies and additional income for later years. 

"With premiums for term life insurance at their lowest in years, you can get the right protection and a great value."

 

Did you know that a life insurance policy can?

  • Provide cash and income needs on and immediately following death such as unpaid bills and taxes and other obligations.
  • Prevent a family”s suddenly dropping from its accustomed standard of living after the death of the breadwinner. 
  • Provide continuous flow of funds for the living spouse.
  • Allocate income funds for the children”s education.
  • Provide a retirement income throughout old age.
  • Provide a reliable savings plan for the future.
  • Supplement income when earning power is destroyed by illness of accidents, such as covering medical expenses.
  • Furnish surplus earnings for the investors should disaster strike.

 

 The bottom line is this: While Life Insurance is not always the insurance product at the forefront of your thoughts; Life insurance is always a friend in time of need.

 

General Insurance:

In law and economics, general insurance is defined as a form of risk management basically used to hedge against the risk of a contingent, uncertain loss. General insurance is also defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is an institution or a company selling the insurance; an insured or policyholder is the person or entity who is buying the insurance policy. The general insurance rate is a factor used to determine the amount to be charged for a particular amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has come out as a discrete field of study and practice.

The transaction involves the clients assuming a guaranteed and known relatively very small loss in the form of money or payment to the insurer in exchange for the insurer”s promise to indemnify the insured in the case of a large, possibly bad loss. The insured receives a contract which is called the insurance policy that details the conditions and circumstances under which the insured will be compensated or indemnified.

General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance typically comprises any insurance that is not determined to be life insurance. It is called property and casualty insurance in the U.S. and Non-Life Insurance in Continental Europe, India.

 Commercial lines products are usually designed for relatively small legal entities. These would include workers” comp (employer”s liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organisations. There are many companies that supply comprehensive commercial insurance packages for a wide range of different industries, including shops, restaurants and hotels.

Personal lines products are designed to be sold in large quantities. This would include autos (private car), homeowners (household), health insurance (Mediclaim), creditor insurance and others.

 

These are the common types of general insurance:

 

  • Home InsuranceHouses, lands and other real estate properties and hard assets are subject to accidental risks like theft, damage, destruction due to natural disasters or fire accidents etc. with such large investments gone into buying a real estate property like your home or office, the problem or risk involved is a loss of large amount of money. Home and property insurance protects you in managing and protecting against these risks. The cost of a real estate property and its monetary insurance is mostly based on the value of the already insured hard assets and also the place or location in which the assets are situated.

 

  • Travel InsuranceThis is intended to shoulder or cover any of the financial or any other losses which were basically incurred by the insured while on his journey or travelling, be it nationally or internationally, such as mountain trekkers, cruise travellers or simply as a tourist.

 

  • Auto Insurance: Any vehicle on the road, no matter how safe it is driver is, sometimes bound to meet with an accident or two, which may leave it with just a few scratches, or crash it up totally. Most countries today require or obliged you to have an auto insurance while on road in your vehicles. If you have an accidental auto crash, a total repair could cost you a lot or a fortune. On the other hand, a little scratch on your Land Cruiser may also soar up your bills to a high level. Whether or not you want or need auto insurance mostly depends on the type of automobile you own. If you have an expensive car and a little repair could worry you out financially, you should therefore decide in buying an all-inclusive and crash insurance which will protect you against any and every harm done to your vehicle.

 

  • Health Insurance: Whether you like it or not, almost always we face certain health challenges that may cause us a lot through medicines, hospitalization bills and other related expenditures.  If we will not be smart and ready enough with this kind of cases then we will surely find it so hard to face sickness and other form of health problems such as therapy and many other treatments. Health insurance is a hedge against unforeseen expenses arising due to health and disability.

 

  • Fire insurance: Fire is one truly big problem that may endanger our valuables, properties and even businesses.  Worse it may threaten our lives and those of or loved ones.  Well this would not be very hard unless we are ready to face such calamity with fire insurance.  This will help us become more secured and ready to face fire cases.

 

  • Marine Insurance: Today world economies have become so inter connected that each nation depends on some other for it needs. A simple definition of the word insurance would be “Protection against future loss.”  Marine insurance is another variant of the general term “insurance” and as the name suggests is provided to ships, boats and most importantly, the cargo that is carried in them. Marine insurance is very important because through marine insurance, ship owners and transporters can be sure of claiming damages especially considering the mode of transportation used. Of the four modes of transport – road, rail, air and water – it is the latter most which causes a lot of worry to the transporters not only because there are natural occurrences which have the potential to harm the cargo and the vessel but also other incidents and attributes which could cause a huge loss in the financial casket of the transporter and the shipping corporation.