Government notified Viksit Bharat โ Guarantee for Rozgar and Ajeevika Mission (Gramin), 2025 to come in effect from 1st July 2026
Read by your own https://www.pib.gov.in/PressReleasePage.aspx?PRID=2259691®=3&lang=1
VBโG RAM G Faq- https://www.pib.gov.in/PressReleasePage.aspx?PRID=2259712®=3&lang=1
Read by your own https://www.pib.gov.in/PressReleasePage.aspx?PRID=2259691®=3&lang=1
VBโG RAM G Faq- https://www.pib.gov.in/PressReleasePage.aspx?PRID=2259712®=3&lang=1
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โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
Government notified Viksit Bharat โ Guarantee for Rozgar and Ajeevika Mission (Gramin), 2025 to come in effect from 1st July 2026 Read by your own https://www.pib.gov.in/PressReleasePage.aspx?PRID=2259691®=3&lang=1 VBโG RAM G Faq- https://www.pib.goโฆ
VB โG RAM G Act 2025.pdf
3.5 MB
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๐โโ๏ธdhanyawad
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Padho mat, material jama karo.
Kisi aur junior ko dene me kaam aayega๐
Jaise เคฎเฅเคเฅ hi dekh lo๐ฅบ
Nayya doobi hui hai
Kisi aur junior ko dene me kaam aayega๐
Jaise เคฎเฅเคเฅ hi dekh lo๐ฅบ
Nayya doobi hui hai
๐ญ23โ5๐ฟ3๐2๐คฃ2๐2
ek cheej dikhau?
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PaRRVA KYA HAI? ๐ค๐ฐ
PaRRVA ek framework/platform hai jo financial market me kiye gaye "performance claims" ko verify karta hai. ๐โ
Simple bhasha me:
Agar koi:
โข finfluencer ๐ฑ
โข stock advisor ๐
โข trading mentor ๐
โข investment intermediary ๐ผ
ye bolta hai:
"Humne 200% return diya" ๐
"90% accuracy hai" ๐ฏ
"1 lakh ko 10 lakh bana diya" ๐ธ
to PaRRVA check karega:
Ye claims sach hain ya fake/exaggerated. ๐ง๐
PaRRVA ek framework/platform hai jo financial market me kiye gaye "performance claims" ko verify karta hai. ๐โ
Simple bhasha me:
Agar koi:
โข finfluencer ๐ฑ
โข stock advisor ๐
โข trading mentor ๐
โข investment intermediary ๐ผ
ye bolta hai:
"Humne 200% return diya" ๐
"90% accuracy hai" ๐ฏ
"1 lakh ko 10 lakh bana diya" ๐ธ
to PaRRVA check karega:
Ye claims sach hain ya fake/exaggerated. ๐ง๐
๐ฅ16โค5โ2๐2โก1
kaisa hai?
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PERFORMANCE CLAIMS KYA HOTE HAIN?
Performance claims matlab:
Apni past success ya returns ke baare me bade-bade claims karna.
Examples:
โข โMere tips se 50% profit huaโ
โข โIntraday me daily guaranteed incomeโ
โข โTop performing portfolioโ
โข โ95% win rateโ
Ye sab performance claims hain
Performance claims matlab:
Apni past success ya returns ke baare me bade-bade claims karna.
Examples:
โข โMere tips se 50% profit huaโ
โข โIntraday me daily guaranteed incomeโ
โข โTop performing portfolioโ
โข โ95% win rateโ
Ye sab performance claims hain
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PROBLEM KYA THI?
Bahut saare:
โข finfluencers
โข telegram traders
โข fake market gurus
edited screenshots dikha kar ya fake P&L dikha kar logon ko attract karte the.
People think:
โYe banda expert hai.โ
Then:
โข paid courses bechna
โข tips subscription
โข pump-and-dump schemes
start ho jate the.
Bahut saare:
โข finfluencers
โข telegram traders
โข fake market gurus
edited screenshots dikha kar ya fake P&L dikha kar logon ko attract karte the.
People think:
โYe banda expert hai.โ
Then:
โข paid courses bechna
โข tips subscription
โข pump-and-dump schemes
start ho jate the.
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FINFLUENCER KAUN?
Financial + Influencer = Finfluencer
Ye social media par:
โข stock market advice
โข mutual fund tips
โข trading calls
โข crypto suggestions
dene wale creators hote hain.
Mostly:
YouTube, Telegram, Instagram, X par.
Financial + Influencer = Finfluencer
Ye social media par:
โข stock market advice
โข mutual fund tips
โข trading calls
โข crypto suggestions
dene wale creators hote hain.
Mostly:
YouTube, Telegram, Instagram, X par.
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PaRRVA KAISE WORK KARTA HAI?
Suppose koi influencer bolta hai:
โMeri strategy ne 120% return diya.โ
PaRRVA:
โข actual trading data verify karega
โข broker statements check karega
โข timestamps check karega
โข real portfolio performance validate karega
Then independent validation dega:
โ๏ธ claim genuine hai
โ misleading hai
โ manipulated hai
Suppose koi influencer bolta hai:
โMeri strategy ne 120% return diya.โ
PaRRVA:
โข actual trading data verify karega
โข broker statements check karega
โข timestamps check karega
โข real portfolio performance validate karega
Then independent validation dega:
โ๏ธ claim genuine hai
โ misleading hai
โ manipulated hai
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INDEPENDENTLY VALIDATE KA MATLAB
Independent matlab:
Koi neutral third party verify kare.
Khud influencer apni marking nahi karega.
REGULATED INTERMEDIARIES KAUN HAIN?
Ye officially regulated entities hote hain.
Like:
โข stock brokers
โข investment advisers
โข research analysts
regulated by:
Securities and Exchange Board of India
UNREGISTERED FINFLUENCERS
Aise social media creators:
โข jo officially registered nahi
โข but financial advice dete hain
Ye risky category mani jati hai.
ISKI NEED KYUN PADI?
Because:
Fake return claims se retail investors mislead ho rahe the.
PaRRVA ka aim:
โข transparency
โข trust
โข fake marketing control
โข investor protection
Independent matlab:
Koi neutral third party verify kare.
Khud influencer apni marking nahi karega.
REGULATED INTERMEDIARIES KAUN HAIN?
Ye officially regulated entities hote hain.
Like:
โข stock brokers
โข investment advisers
โข research analysts
regulated by:
Securities and Exchange Board of India
UNREGISTERED FINFLUENCERS
Aise social media creators:
โข jo officially registered nahi
โข but financial advice dete hain
Ye risky category mani jati hai.
ISKI NEED KYUN PADI?
Because:
Fake return claims se retail investors mislead ho rahe the.
PaRRVA ka aim:
โข transparency
โข trust
โข fake marketing control
โข investor protection
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ULIP = Unit Linked Insurance Plan
ULIP ek aisa financial product hai jisme:
โ๏ธ Insurance + โ๏ธ Investment
dono ek saath milte hain.
Meaning:
Aap jo premium pay karte ho, uska:
โข ek part insurance cover me jata hai
โข doosra part market me invest hota hai
๐๐ป๐๐ป
Suppose:
Aap โน10,000 premium dete ho.
Then:
โข kuch amount life insurance cover ke liye
โข remaining amount mutual-fund-type investment me
invest hota hai.
โUNIT LINKEDโ KA MATLAB
โUnitsโ mutual funds ki tarah hoti hain.
Aapka paisa:
โข equity fund
โข debt fund
โข balanced fund
me invest hota hai.
Aur เคฌเคฆเคฒเฅ me units allot hoti hain.
ULIP KAISE WORK KARTA HAI?
Step 1:
Policyholder premium pay karta hai.
Step 2:
Premium deduct hota hai:
โข mortality charges
โข admin charges
โข fund management charges etc.
Step 3:
Remaining amount funds me invest hota hai.
Step 4:
NAV (Net Asset Value) ke basis par units allot hoti hain.
NAV KYA HAI?
NAV = per unit value of fund
Exactly mutual fund ki tarah.
Agar market upar:
โ NAV badhega
Market down:
โ NAV ghatega
ULIP ME RISK
ULIP market-linked hota hai.
So: returns guaranteed nahi hote.
TYPES OF FUNDS IN ULIP
1. Equity Fund
โข stock market based
โข high risk, high return
2. Debt Fund
โข bonds/government securities
โข low risk
3. Balanced Fund
โข equity + debt mix
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LOCK-IN PERIOD
IMPORTANT EXAM FACT:
ULIP lock-in period:
5 years
Before 5 years:
money easily withdraw nahi kar sakte.
REGULATOR
ULIPs regulated by:
Insurance Regulatory and Development Authority of India
(earlier SEBI vs IRDAI issue bhi famous tha)
CHARGES IN ULIP
Important charges:
โข Premium allocation charge
โข Mortality charge
โข Fund management charge
โข Policy administration charge
โข Surrender charge
ADVANTAGES OF ULIP
1. Insurance + Investment
Dono ek plan me.
2. Tax Benefits
Under:
Income Tax Act sections:
โข 80C
โข 10(10D) (conditions applicable)
3. Fund Switching
Equity se debt me switch kar sakte ho.
4. Long-term wealth creation
DISADVANTAGES
1. Market Risk
Returns fixed nahi.
2. Charges high ho sakte hain
3. Long lock-in period
4. Initial years me low returns possible
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