Hi! I am invested in LICs Jeevan Shree without profit (without accident benefit) Policy. I have been paying yearly premiums of Rs. 25268 since March, 2001 and shall continue till 2016. The sum assured is Rs.5,00,000. The policy term is 25 years and the payment term is 16 years. I was told that the ”without profit version’ of […]

I have paid three annual premiums of ICICI Pru GSIP, where premium payment term was 7 yrs. But now wanted to convert the policy to paid-up, as three premiums are paid. I was under the impression that in this case I will be eligible for Reduced Sum assured after policy tenure (15 yrs), as mentioned […]

Has any one done or has any idea of NPS comparative returns on regular basis.

I had invested in HDFC Pension Super in Feb 2010 and paid premium for 3 years, totaling 4.5 lacs. this is fourth year and my policy stands paid up and my present fund value is 4.55 lacs. fund allocation – growth fund 47%, secure fund 13% and Stable fund 40%. i do not have any […]

Hello Mr. Manish, I’m a 32 year old engineering professional (Automotive) returning to India in April after 7 years. I came across your blog very recently, became instantly attracted to your articles on various financial topics. I have also had a quick glance through your services (ex: financial planning…etc) and seriously thinking about subscribing for one. […]

Hi Manish Are there any changes (for better ) on NPS – clarity , ease for investors now  ?  I had read your article – 2009 on NPS ( there weren’t much clarity then) . I  would like to start one for self now and wanted some clarity.

I have 10 lakhs FD with SBI and am getting 9.75% interest, which I am getting every month. I have been advised to move this to Corporate Bond of Tata Steel Ltd @11.5% perpetual which is available now at Rs.10,72,500.  I am told I will be getting every half year Rs.57,500. Kindly advise whether it […]

I am interested in doing a SIP . So I wanted to Know doing SIP via FundsIndia would be better or doing through SBI Bank (if any route is present). I can Invest Rs500 – Rs1000 after 2-3years I will increse my SIP . So at present If I do SIP than which Funds I […]

Manish, I have Option IV Cumulative NCDs (since 2009)  on which interest was payable at the time of redemption, in 2014. Now, if I consent to continue with the NCD for 5 more years till 2019, when would the interest for the past five years be paid? Do I have to wait till redemption of NCDs […]

Respected Sir, A DCB secured credit card has already with me . Now I ‘m in the same bank credit card approach instead of buying another bank ? Other bank credit card in order to get this particular issue would be willing to do something in the future ? Thus seeking certain bank credit cards […]