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BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Conclusion:- Invest in Sovereign Gold Bond Scheme 2021 Series I if your main purpose is to accumulate physical gold after 8 years or so. However, if your purpose is to have an exposure to gold in your investment portfolio, then better to stay away. As they are illiquid in nature, it is hard for you to sell while doing the rebalancingactivity.
MY EXPERIENCE OF COVID AND PERSONAL FINANCE LESSONS Yes, we all addicted to online money transfers or UPI-based fund transfers. However, during my hospitalization, I realized the importance of cash. We all three (me, wife, and daughter) went to the hospital in a hurry and admitted with few thousands of cash in my pocket. But later on, I realized that LATEST TDS RATES CHART FOR FY 2021-22 (AY 2022-23SEE MORE ONBASUNIVESH.COM
INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as Lumpsum LATEST NPS EXIT AND WITHDRAWAL RULES 2021 Latest NPS exit and withdrawal Rules 2021. Let us now discuss about the latest NPS exit and withdrawal rules 2021. Here, there are three options. First one is attaining the age of 60 years (Superannuation age), Premature withdrawal or death of the subscriber. We will try to discuss on all these three options in detail. IRDA LIFE INSURANCE CLAIM SETTLEMENT RATIO 2021 IRDA Life Insurance Claim Settlement Ratio 2021 – Annual Report 2019-20. Below is the IRDA Claim Settlement Ratio 2019-20 or up to 31st March, 2020. Few points to notice from this Annual Report are as below. # Claim settlement ratio of LIC was at 96.69% as at March 31, 2020, when compared to 97.79% as at March 31, 2019. BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Conclusion:- Invest in Sovereign Gold Bond Scheme 2021 Series I if your main purpose is to accumulate physical gold after 8 years or so. However, if your purpose is to have an exposure to gold in your investment portfolio, then better to stay away. As they are illiquid in nature, it is hard for you to sell while doing the rebalancingactivity.
MY EXPERIENCE OF COVID AND PERSONAL FINANCE LESSONS Yes, we all addicted to online money transfers or UPI-based fund transfers. However, during my hospitalization, I realized the importance of cash. We all three (me, wife, and daughter) went to the hospital in a hurry and admitted with few thousands of cash in my pocket. But later on, I realized that LATEST TDS RATES CHART FOR FY 2021-22 (AY 2022-23SEE MORE ONBASUNIVESH.COM
INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as Lumpsum IRDA LIFE INSURANCE CLAIM SETTLEMENT RATIO 2021 IRDA Life Insurance Claim Settlement Ratio 2021 – Annual Report 2019-20. Below is the IRDA Claim Settlement Ratio 2019-20 or up to 31st March, 2020. Few points to notice from this Annual Report are as below. # Claim settlement ratio of LIC was at 96.69% as at March 31, 2020, when compared to 97.79% as at March 31, 2019. LATEST NPS EXIT AND WITHDRAWAL RULES 2021 Latest NPS exit and withdrawal Rules 2021. Let us now discuss about the latest NPS exit and withdrawal rules 2021. Here, there are three options. First one is attaining the age of 60 years (Superannuation age), Premature withdrawal or death of the subscriber. We will try to discuss on all these three options in detail.BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . LATEST TDS RATES CHART FOR FY 2021-22 (AY 2022-23 Latest TDS Rate Chart FY 2021-22 (AY 2022-23) for NRIs. When it comes to TDS, the rules changes to NRIs. Hence, let us discuss on this aspect separately. # Interest earned on Non-Resident Ordinary Account (NRO) is taxable. TDS of 30% is applicable to it. LATEST NPS EXIT AND WITHDRAWAL RULES 2021 Latest NPS exit and withdrawal Rules 2021. Let us now discuss about the latest NPS exit and withdrawal rules 2021. Here, there are three options. First one is attaining the age of 60 years (Superannuation age), Premature withdrawal or death of the subscriber. We will try to discuss on all these three options in detail. INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a TOP 5 BEST HEALTH INSURANCE PLANS IN INDIA 2020 Before jumping into shortlisting your Top 5 Best Health Insurance Plans in India 2020, you must understand what are the points you have to consider. # Sum Insured: When you look at the rate of inflation of hospitalization, you find that it is nearly around 8% to 10%. Hence, always try to go for a sufficient sum insured health insurance baseplan.
TOP 10 BEST SIP MUTUAL FUNDS TO INVEST IN INDIA IN 2021 Best SIP Mutual Funds to invest in India in 2021 – Equity Oriented Balanced Funds or Aggressive Hybrid Fund. Last year I recommended HDFC Hybrid Equity Fund and Franklin India Equity Hybrid Fund. This year too, I am retaining the same funds due to their consistent long-term performance. # HDFC Hybrid Equity Fund-Direct-Growth. LATEST POST OFFICE INTEREST RATES APRIL Post Office Savings Schemes -Changes effective from 1st, April 2016. Below is the timetable for change in interest rates for all Post Office Savings Schemes. As per the schedule, Government announced the interest rate applicable to all Post Office Savings Schemes from 1st April 2021 to 30th June 2021. COMMONSENSE BEFORE INVESTING!! Commonsense BEFORE investing!! Let me list the commonsense tips which you can utilize before jumping into investment. I am sure that this list is not the END. However, at least a great beginning. # Check the seller is authorized or not – A person who is selling you some product or service related to investment, must be authorized to do so COST OF INFLATION INDEX FY 2019-20 AY 2020-21 FOR CAPITAL Now the indexed cost of acquisition will be as per the above formula i.e. Indexed Cost of Acquisition= (Rs.50 lakh/117)*272=Rs.1,16,23,931. So the Long Term Capital Gain=Selling Price-Indexed Cost of buying property=Rs.33,76,069. (Note-As per the below Cost of Inflation Index (CII), the CII rate for FY 2017-18 is 272 and for FY 2005-06, it is117).
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Conclusion:- Invest in Sovereign Gold Bond Scheme 2021 Series I if your main purpose is to accumulate physical gold after 8 years or so. However, if your purpose is to have an exposure to gold in your investment portfolio, then better to stay away. As they are illiquid in nature, it is hard for you to sell while doing the rebalancingactivity.
LATEST TDS RATES CHART FOR FY 2021-22 (AY 2022-23SEE MORE ONBASUNIVESH.COM
INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as Lumpsum TOP 10 BEST SIP MUTUAL FUNDS TO INVEST IN INDIA IN 2021 Best SIP Mutual Funds to invest in India in 2021 – Equity Oriented Balanced Funds or Aggressive Hybrid Fund. Last year I recommended HDFC Hybrid Equity Fund and Franklin India Equity Hybrid Fund. This year too, I am retaining the same funds due to their consistent long-term performance. # HDFC Hybrid Equity Fund-Direct-Growth. LATEST NPS EXIT AND WITHDRAWAL RULES 2021 Latest NPS exit and withdrawal Rules 2021. Let us now discuss about the latest NPS exit and withdrawal rules 2021. Here, there are three options. First one is attaining the age of 60 years (Superannuation age), Premature withdrawal or death of the subscriber. We will try to discuss on all these three options in detail. LATEST POST OFFICE INTEREST RATES APRIL Post Office Savings Schemes -Changes effective from 1st, April 2016. Below is the timetable for change in interest rates for all Post Office Savings Schemes. As per the schedule, Government announced the interest rate applicable to all Post Office Savings Schemes from 1st April 2021 to 30th June 2021. BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Conclusion:- Invest in Sovereign Gold Bond Scheme 2021 Series I if your main purpose is to accumulate physical gold after 8 years or so. However, if your purpose is to have an exposure to gold in your investment portfolio, then better to stay away. As they are illiquid in nature, it is hard for you to sell while doing the rebalancingactivity.
LATEST TDS RATES CHART FOR FY 2021-22 (AY 2022-23SEE MORE ONBASUNIVESH.COM
INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as Lumpsum TOP 10 BEST SIP MUTUAL FUNDS TO INVEST IN INDIA IN 2021 Best SIP Mutual Funds to invest in India in 2021 – Equity Oriented Balanced Funds or Aggressive Hybrid Fund. Last year I recommended HDFC Hybrid Equity Fund and Franklin India Equity Hybrid Fund. This year too, I am retaining the same funds due to their consistent long-term performance. # HDFC Hybrid Equity Fund-Direct-Growth. LATEST NPS EXIT AND WITHDRAWAL RULES 2021 Latest NPS exit and withdrawal Rules 2021. Let us now discuss about the latest NPS exit and withdrawal rules 2021. Here, there are three options. First one is attaining the age of 60 years (Superannuation age), Premature withdrawal or death of the subscriber. We will try to discuss on all these three options in detail. LATEST POST OFFICE INTEREST RATES APRIL Post Office Savings Schemes -Changes effective from 1st, April 2016. Below is the timetable for change in interest rates for all Post Office Savings Schemes. As per the schedule, Government announced the interest rate applicable to all Post Office Savings Schemes from 1st April 2021 to 30th June 2021. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Note:-Before reading further, first understand whether your investment in Gold is for your own usage or as an investment. If for investment, then read my post before proceeding to this post “Gold Price of Rs.18.75 in 1925 to Rs.47000 in 2020 – Should you invest? This is the first series of FY 2021-22. MUTUAL FUND TAXATION FY 2021-22 / AY 2022-23 The Capital Gain Mutual Fund Taxation FY 2021-22 / AY 2022-23 will be as per the below table. There is no change in Capital Gain Tax Rates from the last year. Hence, the old rates will be applicable for FY 2021-22 also. Note -Surcharge @ 15%, is applicable where the income of Individual/HUF unit holders exceeds Rs. 1 crore. TOP 5 BEST TERM INSURANCE PLANS IN INDIA 2021 Mainly because it is simple to understand and standard basic features are available with this product. Sharing with you the features of the same. Let me now share my choice of Top 5 Best Term Insurance Plans in India 2021. LICs Tech Term. HDFC Click2Protect Life. TYPES OF MUTUAL FUNDS IN INDIA Types of Mutual Funds in India – Based on Structure. Open-Ended Funds:-These schemes are available for buying or selling on a continuous basis.There is no fixed maturity period. Investors have the option to buy and sell units at NAV which is declared on a dailybasis.
LATEST POST OFFICE INTEREST RATES APRIL Post Office Savings Schemes -Changes effective from 1st, April 2016. Below is the timetable for change in interest rates for all Post Office Savings Schemes. As per the schedule, Government announced the interest rate applicable to all Post Office Savings Schemes from 1st April 2021 to 30th June 2021. LATEST NPS EXIT AND WITHDRAWAL RULES 2021 Latest NPS exit and withdrawal Rules 2021. Let us now discuss about the latest NPS exit and withdrawal rules 2021. Here, there are three options. First one is attaining the age of 60 years (Superannuation age), Premature withdrawal or death of the subscriber. We will try to discuss on all these three options in detail. BLOG - PAGE 30 OF 149 - BASUNIVESH Effective from 1st October 2019, all your loans will be linked to the External Benchmark Lending Rate. Hence, it is important for you tounderstand
BLOG - PAGE 31 OF 149 - BASUNIVESH The government launched the Sovereign Gold Bond Scheme FY 2019-20 – Series III. Bonds will be open for subscription from 5th August 2019to 9th August 2019.
WHAT TO DO WHEN SHOPS CHARGING MORE THAN MRP? Along with all these facilities, now Consumer Forum set a national Toll-Free number and also the online complaint registration forum. The Toll-Free number of Consumer Forum is 1800-11-4000. Timing: All Days Except National Holidays (09:30 AM To 05:30 PM). Otherwise, you cansend SMS to
HOW TO GET ENCUMBRANCE CERTIFICATE ONLINE IN BANGALORE How to get EC or Encumbrance Certificate online in Bangalore? Encumbrance Certificate or EC is one of the most important land document. Many of us used to visit the registrar office and apply manually and wait for 1-2 days to get it. BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. BEST TAX FREE BONDS 2021 IN INDIA Tax-Free Bonds are debt products. Usually in India Tax-Free Bonds are offered by Government Public Sector Companies like NHAI, NTPC, HUDCO, REC, REL, IREDA or PFC. In simple terms, you are lending money to these Government Public Sector Companies. In return, they promise you to pay certain interest on a yearly basis until maturity. INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a IRDA LIFE INSURANCE CLAIM SETTLEMENT RATIO 2021 IRDA Life Insurance Claim Settlement Ratio 2021 – Annual Report 2019-20. Below is the IRDA Claim Settlement Ratio 2019-20 or up to 31st March, 2020. Few points to notice from this Annual Report are as below. # Claim settlement ratio of LIC was at 96.69% as at March 31, 2020, when compared to 97.79% as at March 31, 2019. LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as LumpsumNEW TAX REGIME
New Tax Regime – Complete list of exemptions and deductions not allowed. Let us now look into the exemptions and deductions not allowed under the Sec.115BAC, Leave travel concession (LTC) applicable for salaried employee. House Rent Allowance (HRA) applicable for salaried employee. The standard deduction applicable for persons inemployment
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. LIC'S BIMA DIAMOND PLAN NO.841 Therefore, if you buy the LIC’s Bima Diamond (Plan No.841) for a Sum Assured of Rs.1 lakh with a term of 20 years. Then this extended cover will start immediately after 20th-year completion or beginning of the 21st year and it will end after 10th year from the date of maturity. During this extended period, LIC offers you half of the sum BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. BEST TAX FREE BONDS 2021 IN INDIA Tax-Free Bonds are debt products. Usually in India Tax-Free Bonds are offered by Government Public Sector Companies like NHAI, NTPC, HUDCO, REC, REL, IREDA or PFC. In simple terms, you are lending money to these Government Public Sector Companies. In return, they promise you to pay certain interest on a yearly basis until maturity. INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a IRDA LIFE INSURANCE CLAIM SETTLEMENT RATIO 2021 IRDA Life Insurance Claim Settlement Ratio 2021 – Annual Report 2019-20. Below is the IRDA Claim Settlement Ratio 2019-20 or up to 31st March, 2020. Few points to notice from this Annual Report are as below. # Claim settlement ratio of LIC was at 96.69% as at March 31, 2020, when compared to 97.79% as at March 31, 2019. LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as LumpsumNEW TAX REGIME
New Tax Regime – Complete list of exemptions and deductions not allowed. Let us now look into the exemptions and deductions not allowed under the Sec.115BAC, Leave travel concession (LTC) applicable for salaried employee. House Rent Allowance (HRA) applicable for salaried employee. The standard deduction applicable for persons inemployment
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. LIC'S BIMA DIAMOND PLAN NO.841 Therefore, if you buy the LIC’s Bima Diamond (Plan No.841) for a Sum Assured of Rs.1 lakh with a term of 20 years. Then this extended cover will start immediately after 20th-year completion or beginning of the 21st year and it will end after 10th year from the date of maturity. During this extended period, LIC offers you half of the sum TOP 5 BEST TERM INSURANCE PLANS IN INDIA 2021 Mainly because it is simple to understand and standard basic features are available with this product. Sharing with you the features of the same. Let me now share my choice of Top 5 Best Term Insurance Plans in India 2021. LICs Tech Term. HDFC Click2Protect Life. TOP 10 BEST SIP MUTUAL FUNDS TO INVEST IN INDIA IN 2021 Best SIP Mutual Funds to invest in India in 2021 – Equity Oriented Balanced Funds or Aggressive Hybrid Fund. Last year I recommended HDFC Hybrid Equity Fund and Franklin India Equity Hybrid Fund. This year too, I am retaining the same funds due to their consistent long-term performance. # HDFC Hybrid Equity Fund-Direct-Growth. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Conclusion:- Invest in Sovereign Gold Bond Scheme 2021 Series I if your main purpose is to accumulate physical gold after 8 years or so. However, if your purpose is to have an exposure to gold in your investment portfolio, then better to stay away. As they are illiquid in nature, it is hard for you to sell while doing the rebalancingactivity.
INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a BLOG - PAGE 29 OF 149 - BASUNIVESH What is the applicable latest Post Office Small Saving Schemes Interest rates Oct-Dec 2019? The government announced the interest rate for PPF, Sukanya Samriddhi, NSC, KVP Interest Rates Oct BLOG - PAGE 30 OF 149 - BASUNIVESH Effective from 1st October 2019, all your loans will be linked to the External Benchmark Lending Rate. Hence, it is important for you tounderstand
BLOG - PAGE 31 OF 149 - BASUNIVESH The government launched the Sovereign Gold Bond Scheme FY 2019-20 – Series III. Bonds will be open for subscription from 5th August 2019to 9th August 2019.
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. WHAT IF YOUR INSURANCE COMPANY GOES BANKRUPT? If an insurance company insured Rs.1, 000, then they have to keep aside Rs.1, 500 with IRDA as a solvency margin. Let us say due to earthquake or any unforeseen accidents, an insurance company faced the huge cash requirement to settle the claim. In such situation, this solvency margin is utilized for any such emergencies of company need. HOW TO FIND INCOME TAX ASSESSING OFFICER OR AO DETAILS Income Tax Assessing Officer or AO meaning. Assessing Officer or AO is an individual officer appointed by Income Tax Department. An assessing Officer or AO is a person who has jurisdiction to make an assessment of an assessee or tax payer, who is liable to tax under the Act. BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. BEST TAX FREE BONDS 2021 IN INDIA Tax-Free Bonds are debt products. Usually in India Tax-Free Bonds are offered by Government Public Sector Companies like NHAI, NTPC, HUDCO, REC, REL, IREDA or PFC. In simple terms, you are lending money to these Government Public Sector Companies. In return, they promise you to pay certain interest on a yearly basis until maturity. INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a IRDA LIFE INSURANCE CLAIM SETTLEMENT RATIO 2021 IRDA Life Insurance Claim Settlement Ratio 2021 – Annual Report 2019-20. Below is the IRDA Claim Settlement Ratio 2019-20 or up to 31st March, 2020. Few points to notice from this Annual Report are as below. # Claim settlement ratio of LIC was at 96.69% as at March 31, 2020, when compared to 97.79% as at March 31, 2019. LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as LumpsumNEW TAX REGIME
New Tax Regime – Complete list of exemptions and deductions not allowed. Let us now look into the exemptions and deductions not allowed under the Sec.115BAC, Leave travel concession (LTC) applicable for salaried employee. House Rent Allowance (HRA) applicable for salaried employee. The standard deduction applicable for persons inemployment
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. LIC'S BIMA DIAMOND PLAN NO.841 Therefore, if you buy the LIC’s Bima Diamond (Plan No.841) for a Sum Assured of Rs.1 lakh with a term of 20 years. Then this extended cover will start immediately after 20th-year completion or beginning of the 21st year and it will end after 10th year from the date of maturity. During this extended period, LIC offers you half of the sum BASUNIVESH - PERSONAL FINANCE BLOGBLOGFEE-ONLY FINANCIAL PLANNING SERVICEABOUT BASUNIVESHCONTACT USOLD ARTICLESMEDIA Unbiased, Simple and Conflict-Free Fee-Only Financial Planning Service. Get Started. “Humans are wired to act; markets tend to reward inaction”. Daniel Crosby. Study successful investors, and you’ll notice a common denominator: they are masters of psychology. They can’t control the market, but they have complete control overthe gray
BLOG - BASUNIVESH
My experience of Covid and Personal Finance Lessons. May 21, 2021 by Basavaraj Tonagatti. During the last week of April 2021, our whole family infected with Covid. It is a horrific time when the whole family infected with Covid. But luckily we all came out from that. During this period, I . SOVEREIGN GOLD BOND SCHEME 2021-22 Taxation of Sovereign Gold Bond Scheme FY 2021-22. There are three aspects of taxation. Let us see one by one. 1) Interest Income -The The semi-annual interest income will be taxable income for you. Hence, For someone in the 10%, 20%, or 30% tax bracket, the post-tax return comes to 2.25%, 2% and 1.75% respectively. BEST TAX FREE BONDS 2021 IN INDIA Tax-Free Bonds are debt products. Usually in India Tax-Free Bonds are offered by Government Public Sector Companies like NHAI, NTPC, HUDCO, REC, REL, IREDA or PFC. In simple terms, you are lending money to these Government Public Sector Companies. In return, they promise you to pay certain interest on a yearly basis until maturity. INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a IRDA LIFE INSURANCE CLAIM SETTLEMENT RATIO 2021 IRDA Life Insurance Claim Settlement Ratio 2021 – Annual Report 2019-20. Below is the IRDA Claim Settlement Ratio 2019-20 or up to 31st March, 2020. Few points to notice from this Annual Report are as below. # Claim settlement ratio of LIC was at 96.69% as at March 31, 2020, when compared to 97.79% as at March 31, 2019. LIC BACHAT PLUS ( PLAN NO.861) March 13, 2021 by Basavaraj Tonagatti. LIC Bachat Plus (Plan No.861) is available from 15th March 2021 and available for sale online as well as offline for a maximum period of 180 days. LIC‘s Bachat Plus plan is a Non-Linked, Participating, Individual Life Assurance Savings plan. Under this plan, the premium can be paid either as LumpsumNEW TAX REGIME
New Tax Regime – Complete list of exemptions and deductions not allowed. Let us now look into the exemptions and deductions not allowed under the Sec.115BAC, Leave travel concession (LTC) applicable for salaried employee. House Rent Allowance (HRA) applicable for salaried employee. The standard deduction applicable for persons inemployment
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. LIC'S BIMA DIAMOND PLAN NO.841 Therefore, if you buy the LIC’s Bima Diamond (Plan No.841) for a Sum Assured of Rs.1 lakh with a term of 20 years. Then this extended cover will start immediately after 20th-year completion or beginning of the 21st year and it will end after 10th year from the date of maturity. During this extended period, LIC offers you half of the sum TOP 5 BEST TERM INSURANCE PLANS IN INDIA 2021 Mainly because it is simple to understand and standard basic features are available with this product. Sharing with you the features of the same. Let me now share my choice of Top 5 Best Term Insurance Plans in India 2021. LICs Tech Term. HDFC Click2Protect Life. TOP 10 BEST SIP MUTUAL FUNDS TO INVEST IN INDIA IN 2021 Best SIP Mutual Funds to invest in India in 2021 – Equity Oriented Balanced Funds or Aggressive Hybrid Fund. Last year I recommended HDFC Hybrid Equity Fund and Franklin India Equity Hybrid Fund. This year too, I am retaining the same funds due to their consistent long-term performance. # HDFC Hybrid Equity Fund-Direct-Growth. SOVEREIGN GOLD BOND SCHEME 2021 SERIES I Conclusion:- Invest in Sovereign Gold Bond Scheme 2021 Series I if your main purpose is to accumulate physical gold after 8 years or so. However, if your purpose is to have an exposure to gold in your investment portfolio, then better to stay away. As they are illiquid in nature, it is hard for you to sell while doing the rebalancingactivity.
INCOME TAX RETURN FORMS AY 2021-22 (FY 2020-21) # ITR 4 or Sugam for AY 2021-22 (FY 2020-21) The current ITR 4 is applicable to individuals and HUFs, Partnership firms (other than LLPs) which are residents having income from a BLOG - PAGE 29 OF 149 - BASUNIVESH What is the applicable latest Post Office Small Saving Schemes Interest rates Oct-Dec 2019? The government announced the interest rate for PPF, Sukanya Samriddhi, NSC, KVP Interest Rates Oct BLOG - PAGE 30 OF 149 - BASUNIVESH Effective from 1st October 2019, all your loans will be linked to the External Benchmark Lending Rate. Hence, it is important for you tounderstand
BLOG - PAGE 31 OF 149 - BASUNIVESH The government launched the Sovereign Gold Bond Scheme FY 2019-20 – Series III. Bonds will be open for subscription from 5th August 2019to 9th August 2019.
LIC JEEVAN SARAL
The basic premium is the base premium without adding any cost, but Net Premium is the premium which you actually pay to LIC and includes premium mode rebate (a rebate of 2% for yearly and 1% for half yearly payment)+charges for providing you the death benefit SA (@1% DBS). Below table will give you a clear picture of this. WHAT IF YOUR INSURANCE COMPANY GOES BANKRUPT? If an insurance company insured Rs.1, 000, then they have to keep aside Rs.1, 500 with IRDA as a solvency margin. Let us say due to earthquake or any unforeseen accidents, an insurance company faced the huge cash requirement to settle the claim. In such situation, this solvency margin is utilized for any such emergencies of company need. HOW TO FIND INCOME TAX ASSESSING OFFICER OR AO DETAILS Income Tax Assessing Officer or AO meaning. Assessing Officer or AO is an individual officer appointed by Income Tax Department. An assessing Officer or AO is a person who has jurisdiction to make an assessment of an assessee or tax payer, who is liable to tax under the Act. * Skip to main content * Skip to header right navigation * Skip to site footerBasuNivesh
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UNBIASED, SIMPLE AND CONFLICT-FREE FEE-ONLY FINANCIAL PLANNING SERVICEGet Started
> “Humans are wired to act; markets tend to reward inaction”>
> Daniel Crosby
> Study successful investors, and you’ll notice a common > denominator: they are masters of psychology. They can’t control > the market, but they have complete control over the gray matter > between their ears.> Morgan Housel
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BEAT THE INFLATION – LIES FINANCIAL INDUSTRY TEACHES YOU!! Inflation is the biggest enemy for all of us when we think of wealth creation and achieving our … MY EXPERIENCE OF COVID AND PERSONAL FINANCE LESSONS During the last week of April 2021, our whole family infected with Covid. It is a horrific time when … EDLI SCHEME 2021 – EPF LIFE INSURANCE OF RS. 7 LAKH Do you know about EPF Life Insurance of Rs. 7 Lakh? How many of us aware that EPF (Employee … SOVEREIGN GOLD BOND SCHEME 2021 SERIES I – SHOULD YOU INVEST? Sovereign Gold Bond Scheme 2021 Series I is available for subscription from 17th May 2021 to 21st … SOVEREIGN GOLD BOND SCHEME 2021-22 – CALENDAR RBI announced the calendar for Sovereign Gold Bond Scheme 2021-22. Is it wise to consider this … LATEST TDS RATES CHART FOR FY 2021-22 (AY 2022-23) What is the latest TDS Rates Chart for FY 2021-22 (AY 2022-23) applicable? Whethere there are any … Follow along on social media*
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