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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โ
Abhi US Trade Representative list aayi thi jisme INDIA - Priority Watch List me tha.
Priority Watch List (PWL) ek list hoti hai jo Office of the United States Trade Representative apni โSpecial 301 Reportโ me release karta hai. Isme un countries ko rakha jata hai jahan Intellectual Property Rights (IPR) protection ko lekar serious concerns hote hain, jaise piracy, counterfeit products, weak patent protection, trademark violations, aur copyright infringement. โPriority Watch Listโ ka matlab high concern category hoti hai, yani US ko lagta hai ki us country me IPR laws ya unki enforcement weak hai. India bhi kai baar is list me raha hai due to piracy and patent-related concerns.
Priority Watch List (PWL) ek list hoti hai jo Office of the United States Trade Representative apni โSpecial 301 Reportโ me release karta hai. Isme un countries ko rakha jata hai jahan Intellectual Property Rights (IPR) protection ko lekar serious concerns hote hain, jaise piracy, counterfeit products, weak patent protection, trademark violations, aur copyright infringement. โPriority Watch Listโ ka matlab high concern category hoti hai, yani US ko lagta hai ki us country me IPR laws ya unki enforcement weak hai. India bhi kai baar is list me raha hai due to piracy and patent-related concerns.
โค3
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kis baat ka dar hai?
kis liye kaamp rahe ho?
kis liye kaamp rahe ho?
โค14
โยฐโข๐ฉ๐๐ฃ ๐ฃ๐ฎ๐๐- ๐๐ฎ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฒ๐ฒ๐ ๐ฆ
apni bhasha me smjhau kya?
PAYMENT BANK
Purpose โ Financial inclusion + small digital banking services.
RBI เคเคพเคนเคคเคพ เคฅเคพ เคเคฟ:
เคเคฐเฅเคฌ เคฒเฅเค, เคเฅเคเฅ เคฆเฅเคเคพเคจเคฆเคพเคฐ, migrant workers, rural population เคญเฅ banking system เคธเฅ เคเฅเคกเคผเฅเคเฅค
เคเคจเคเคพ focus mainly:
payments, deposits, money transfer เคชเคฐ เคนเฅเคคเคพ เคนเฅเฅค
Examples:
Paytm Payments Bank
India Post Payments Bank
Airtel Payments Bank
๐ฅ1
SMALL FINANCE BANK (SFB)
Purpose โ Small borrowers เคเฅ loans เคฆเฅเคจเคพเฅค
เคเคจเคเคพ target: small farmers, MSMEs, small business, unorganized sector, เคฏเคพเคจเคฟ เคเคฟเคจเฅเคนเฅเค normal banks เคเคธเคพเคจเฅ เคธเฅ loan เคจเคนเฅเค เคฆเฅเคคเฅเฅค
Examples:
AU Small Finance Bank
Equitas Small Finance Bank
Ujjivan Small Finance Bank
โค4
โ๏ธ There are many candidates who missed their bank exams opportunity by 1 day, 1 month, or a few months. There must be one fixed date for the age cutoff for all exams, and that date must be 1 January.
1 January should be the age cutoff for all bank exams.
Because of your one tweet and your few seconds, a lot of students will get an opportunity.
1 January should be the age cutoff for all bank exams.
Date - 24 May
Time - 9 AM
Platform - Twitter/X
Because of your one tweet and your few seconds, a lot of students will get an opportunity.
โค15
โ2