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Give yourself and your family a lifetime
Financial FreedomBy investing into various optionsTo break free from all the future
Financial worries
HOUSE CAR
INTERNATION
ALTOUR
KID’S
EDUCATION
RETIREMENT
2
What Are Your Financial Goals?
How Does One Achieve Them?
SAVING INVESTING
&
3
So Where Do You Invest?
FD
MUTUAL
FUNDS
INSURANCE
4
What is Mutual Fund and
Why Mutual Fund
5
A Mutual Fund is the trust that pools the savings of a number of
investors who share a common financial goal.
SIP is a smart and easy way to save money. Systematic
Investment Plan (SIP) allows you to make small
investment at regular intervals to help you achieve your
dreams.
Why you should Invest in
SIP?
✓Small and regular
investment
✓Ease of investing
✓Disciplined Investment
✓Power of compounding
✓Long-Term Gains
✓Rupee cost averaging
✓Flexibility
How does a SIP works?
ASSUMED RETURNS
SIP 10% 12% 15% 15% 15%
PER MONTH 3 YEARS 5 YEARS 10 YEARS 15 YEARS 20 YEARS
500 21,846 42,691 1,40,096 3,28,305 7,06,861
1,000 43,692 85,382 2,80,191 6,56,610 14,13,721
2,000 87,384 1,70,765 5,60,383 13,13,219 28,27,443
3,000 1,31,076 2,56,147 8,40,574 19,69,829 42,41,164
4,000 1,74,768 3,41,529 11,20,765 26,26,439 56,54,886
5,000 2,18,460 4,26,911 14,00,957 32,83,048 70,68,607
6,000 2,62,152 5,12,294 16,81,148 39,39,658 84,82,329
7,000 3,05,844 5,97,676 19,61,339 45,96,268 98,96,050
8,000 3,49,536 6,83,058 22,41,530 52,52,877 1,13,09,772
9,000 3,93,228 7,68,440 25,21,722 59,09,487 1,27,23,493
10,000 4,36,920 8,53,823 28,01,913 65,66,097 1,41,37,214
Lets assume that you have done SIP of Rs 2000 monthly for 5 years and the
selected mutual fund scheme is giving return of 12% (apprx) every year. Your
total in 5 year is Rs 120000 but after 5 years you are getting Rs 50765 extra
which is your interest earned through money invested. Total amount earned Rs
1,70,765.
The longer you will keep the more you will get.
Frequently Asked Questions❑Q-Is SIP a Mutual Fund?
SIP is a style of investment in mutual funds. It is a vehicle to invest periodically in a fund/scheme of your choice.
❑Q-what is power of compounding?
Power of Compounding. Compounding refers to the reinvestment of earnings at the same rate of return to
constantly grow the principal amount, year after year.
❑Q-what is Rupee cost averaging?
It is an approach in which you invest a fixed amount of money at regular intervals. This in turn ensures that you
buy more shares of an investment when prices are low and less when they are high.
❑Q-Why you should do SIP?
You should do SIP for a regular savings and achieve short term as well as long term goals.
❑Q-What are short term and long term goals?
Short term goals are like – Car Purchase , Foreign Tour, etc
Long term goals like – children marriage, children education, etc.
❑Q-When is the best time to invest in SIP?
There is nothing like a good timing when it comes to investments. It’s more about what you need from that
investment. In an SIP, you can automate your transfers, and be hassle-free about the date in a particular month.
❑Q- Can I apply SIP without PAN CARD ?
Yes with us you can apply without PAN but documentation will be different .
❑Q- How I can apply for SIP?
Get the forms download, fill it and attach your documents like Aadhar , Pan card, Photo and send to nearby Net
Paisa associates or send directly to us.
❑Q- How I can make Payment?
You can make payment by cheque and online.
FOR 3 YEARS: CHEQUE FAVOURING ‘EDELWEISS AGGRESSIVE HYBRID FUND’
FOR 5 YEARS: CHEQUE FAVOURING ‘EDELWEISS LARGE AND MIDCAP FUND’
FOR 5 YEARS PLUS: CHEQUE FAVOURING ‘EDELWEISS MULTICAP FUND
FOR PAN CARD HOLDER SINGLE CHEQUE IN FAVOUR Of ”INDIAN CLEARING CORPORATION LIMITED”
BY DEFAULT, SIP ACCOUNT WILL BE OPENED FOR INDEFINITE PERIOD UNLESS REQUEST FOR STOP IS
GIVEN.THIS HELPS IN LONG TERM WEALTH ACCUMULATION.
Opt for Fixed Deposit and let your savings grow with high stability and safety of principal amount. With no
influence of market conditions fixed deposit enables you to take control of your investments with flexibility
and offers guaranteed returns.
Why FDs?
✓Fixed deposits are one of the oldest and safest investment
instruments.
✓The interest rates on fixed deposits are higher than the interest
provided on savings account or current account balances.
✓It has no influence of market which gives risk-free and guarantees
fixed returns.
Company Overview:
• Bajaj Finance Limited is a 31 year old non-banking finance company (NBFC) with a demonstrated track record of profitability
• Focuses on Consumer, Rural, SME & Commercial lines of businesses
• Present across 867 urban locations and 869 rural locations covering 1,736 locations in India with over 84,700+ distribution points
• The company has 1,09,930 crore of consolidated assets under management as of 31 Dec 2018 and it delivered a post tax profit of 1,060 crore in Q3 FY19
• Net NPA 0.64% in june 19.
Features:
• The Bajaj finance FD is rated FAAA / Stable by CRISIL and MAAA (Stable) by ICRA making it the safest deposit scheme with utmost security of the money invested against any volatility
• Higher interest rate
• 0.35% additional interest rate for senior citizens
• Hassle free maturity process
Company Overview
• The company is one of India’s leading non-bank finance companies focused on the rural and semi-urban sector
• The company provides employment to over 16,000 people in over 1000+ branches across India and is currently servicing over 3 million customers
• The net worth of Mahindra Finance is around 16.5 billion dollars. The company has a host of services in sectors other than the banking domain too. Tractors, utility vehicles, consulting services, defense, energy, logistics, real estate and steel are some of those
Features
• Higher interest rate
• The MF Fixed Deposit has a Crisil rating of 'FAAA', which indicates a high level of safety
• 0.25% additional interest rate for senior citizens
• Instant loan against fixed deposit.
• Hassle free maturity process
Frequently Asked Questions❑ Q-How I can apply?
Get the physical form from nearby store or download the form from Net Paisa site. Fill the
complete form and attach attested documents like – aadhar card, pan card, photo, cheque.
Send directly to us or nearby store.
❑ Q- What are the schemes of deposits available?
Cumulative-Interest is compounded annually. Interest earned get at time of maturity.
Non-Cumulative- you received the interest monthly, quarterly, half-yearly, yearly basis dependent
on your preference.
❑ Q- What is the minimum deposit amount and tenure
Minimum deposit amount is 10 k and tenure is 7 days to 5 years
❑ Q- Can a joint account be maintained?
Yes a joint account can be maintained.
❑ Q- Can a company invest in FD?
Yes a company can invest in FD but procedure will be different.
❑ Q-In case if there is an urgent need for money, can a withdrawal be made from deposit?
According to the direction of RBI, no withdrawal of Deposits can be made within three months
from the date of Deposit/renewal of Deposit.
PROCESSING TIME: COMPLETED FORMSALONG WITH CHEQUES WILL BE PRESENTED AT MAHINDRA/BAJAJ OFFICE ON T+1
DAYS (BUSINESS WORKING DAYS)
FIXED DEPOSIT DATE TO BE CONSIDERED AS DATE OF CHEQUE CLEARANCE OR WHEN THE MONEY IS
CREDITED IN MAHINDRA ACCOUNT OR BAJAJ FINANCE ACCOUNT.
FIXED DEPOSIT HARD COPY COURIER REACHES CUSTOMER’S REGISTERED ADDRESS IN 15 DAYS.
Life InsuranceEnsure regular investment and security for life by purchasing a life insurance policy.We are
offering solutions that combine savings and protection, for different life stages. Buy the right
product now based on your needs and lead a stress-free life.
LIC NEW ENDOWMENT PLAN
Endowment plans are life insurance
policies with dual purpose. An
endowment policy can be used by you
to build a risk-free savings corpus,
while providing financial protection for
family in case of an unfortunate event.
This simplicity of an endowment plan
has over the years made it an attractive
savings plan for all
NEW CHILDREN'S MONEY BACK PLAN
All parents intend to give their bundles of joy the best of
everything. A child insurance plan ensures that they keep
running towards their dreams and not financial hurdles.
Your child looks up to you and depends on you for love,
protection and support. As a parent, you wish to provide
your child with the best in life. A New Children’s Money
Back Plan is one of the best avenues for you to start
saving systematically so that you can secure your child's
future needs. Be it higher education, his or her first home
or any other requirement, you will always be there for your
child when he or she needs you.
WHY SHOULD INVEST IN LIC?
✓ Provides Insurance Cover: An endowment policy provides insurance cover during the policy
term.
✓ Lump sum payout: It provides a lump sum payout when the policy matures (i.e. at the end of
the policy term)
✓ Serves with a dual purpose: An endowment policy serves you with a dual purpose as it not
only works as an insurance policy but also offers you with long term investment benefit.
✓ Provides you with a Tax Benefit: You are entitled to get tax exemption on both premium
payments, maturity and final payouts under the Section 80C and Section 10(10D) of the Income
Tax Act, 1961.
✓ Offers Low-Risk Investments: When it comes to investing, endowment policies are
considered as a relatively safer option than other types of investments.
✓ Offers Long-term savings: An endowment policy offers long term savings. You can choose a
policy term ranging from , 15, 20, to 25 years.
✓ Provides option to add riders: With Endowment policies, you get an option to enhance your
policy by opting for additional riders like critical illnesses, waiver of premium, family income
benefit, accidental death benefit, and accidental permanent total / partial disability benefit.
✓ Additional Bonuses: Insurance companies also declare bonuses. Here, the bonus is the extra
amount of money added to the proceeds, which is distributed to a policyholder by an insurer.s
PREMIUM CHART
15 YEARS 20 YEARS 25 YEARS
AGE 1 lakh 2 lakh 3 LAKH 1 lakh 2 lakh 3 LAKH 1 lakh 2 lakh 3 LAKH
8 7251 14083 22523 5202 9987 14980 4061 7703 11555
9 7256 14093 21140 5202 9987 14980 4066 7713 11570
10 7256 14093 21140 5208 9997 14996 4066 7713 11570
11 7261 14104 21156 5213 10007 15011 4071 7724 11585
12 7266 14114 21171 5213 10007 15011 4076 7734 11601
13 7266 14114 21171 5218 10018 15026 4081 7744 11616
14 7271 14124 21186 5223 10028 15042 4081 7744 11616
15 7276 14134 21202 5228 10038 15057 4086 7754 11631
16 7281 14145 21217 5233 10048 15072 4091 7765 11647
17 7286 14155 21232 5233 10048 15072 4096 7775 11662
18 7391 14364 21546 5343 10268 15401 4206 7994 11991
19 7396 14374 21561 5343 10258 15401 4206 7994 11991
20 7396 14374 21561 5348 10278 15417 4211 8004 12006
21 7396 14374 21561 5348 10278 15417 4216 8015 12022
22 7401 14384 21577 5353 10288 15432 4216 8015 12022
23 7401 14384 21577 5353 10288 15432 4047 7677 11515
24 7401 14384 21577 5358 10298 15447 4227 8035 12053
25 7406 14395 21592 5363 10309 15463 4232 8045 12068
26 7406 14395 21592 5363 10309 15463 4242 8066 12099
27 7411 14405 20071 5373 10329 15493 4247 8076 12114
28 7417 14415 21623 5379 10339 15509 4257 8096 12145
29 7422 14425 21638 5384 10349 15524 4267 8117 12175
30 7427 14436 21653 5394 10370 15555 4278 8137 12206
31 7432 14446 21569 5404 10390 15586 4293 8168 12252
32 7437 14456 21684 5414 10411 15616 4308 8199 12298
33 7447 14477 21715 5430 10442 15662 4329 8240 12360
34 7458 14497 21746 5445 10472 15709 4349 8281 12421
35 7473 14528 21792 5461 10503 15755 4375 8332 12498
36 7488 14559 21838 5481 10544 15816 4401 8383 12575
37 7504 14589 21884 5507 10595 15893 4426 8434 12552
38 7519 14620 21930 5532 10646 15970 4462 8506 12759
39 7545 14671 22007 5558 10698 16046 4493 8568 12851
40 7565 14712 22068 5589 10759 16139 4534 8649 12974
41 7596 14774 22160 5624 10831 16246 4575 8731 13097
42 7627 14835 22253 5665 10913 16369 4621 8824 13235
43 7662 14907 22360 5706 10995 16492 4672 8926 13389
44 7698 14978 22468 5752 11087 16630 4728 9039 13558
45 7739 15060 22590 5804 11189 16784 4790 9162 13742
46 7785 15153 22729 5860 11302 16953 4851 9284 13927
47 7831 15245 22867 5916 11415 17122 4923 9428 14142
48 7888 15357 23036 5978 11537 17306 5000 9581 14372
49 7939 15460 23190 6044 11671 17506 5077 9735 14603
50 8000 15583 23374 6116 11814 17721 5164 9909 14864
51 8062 15706 22558 6193 11968 17951
52 8128 15839 23758 6275 12131 18197
53 8200 15987 23973 6362 12306 18458
54 8272 16125 24188 6459 12500 18750
55 8354 16289 24434 6556 12695 19042
PREMIUM CHART
15 YEARS 20 YEARS 25 YEARS
AGE 1 lakh 2 lakh 3 LAKH 1 lakh 2 lakh 3 LAKH 1 lakh 2 lakh 3 LAKH
MATURITY BENEFIT
15 YEARS MULTIPLY SUM ASSURED BY 1.8
20 YEARS MULTIPLY SUM ASSURED BY 2.5
25 YEARS MULTIPLY SUM ASSURED BY 3
MIN/MAX AGE: 08 YEARS TO 55 YEARS
MAXIMUM AGE AT MATURITY: 75 YEARS
MINIMUM: 1 LAKH AND MAXIMUM NO LIMIT
BENEFIT ON DEATH: SUM ASSURED + BONUS
ACCIDENTAL BENEFIT: DOUBLE THE SUM ASSURED
POLICY LOAN: AVAILABLE AFTER 3 YEARS
NEW CHILDREN'S MONEY BACK PLAN
SUM ASSURED
AGE 1 LAKH 2 LAKH 3 LAKH 5 LAKHTERM(25- age of child)
0 4521 8625 12937 21040 25
1 4726 9034 13552 22064 24
2 4952 9485 14228 23190 23
3 5213 10007 15011 24496 22
4 5510 10601 15902 25981 21
5 5837 11257 16885 27619 20
6 6211 12004 18006 29488 19
7 6631 12844 19266 31588 18
8 7107 13797 20695 33969 17
9 7645 14872 22308 36657 16
10 8254 16090 24136 39704 15
11 8818 17217 25826 42520 14
12 9616 18815 28222 46514 13
MATURITY BENEFIT
AT AGE 18 20% OF SUM ASSURED
AT AGE 20 20% OF SUM ASSURED
AT AGE 22 20% OF SUM ASSURED
AT AGE 25 40% OF SUM ASSURED + BONUS
BONUS FACTOR AT
MATURITY
25 2
24 1.9
23 1.8
22 1.7
21 1.6
20 1.5
19 1.4
18 1.3
17 1.2
16 1.1
15 1
14 0.9
13 0.8
12 0.7
SUM ASSURED 5 LAKHS
PREMIUM RS. 27619
AGE OF CHILD 5
MATURITY
BENEFIT
AT AGE 18 20% RS. 100000
AT AGE 20 20% RS. 100000
AT AGE 22 20% RS. 100000
AT AGE 25 40% RS 200000
BONUS + 25 40%AT THE AGE OF 25 RS. 1000000
Example:
BONUS=500000*1.5 (BONUS FACTOR OF
20 YEARS) = 800000
OTHER BENEFITS
LOAN FACILITY IS AVAILABLE AFTER 3 YEARS
DEATH BENEFIT : SUM ASSURED + BONUS ACCUMULATED
DOCUMENTAION
1 PHOTO OF CHILD AND PHOTO OF FATHER OR MOTHER (PROPOSER)
2 PANCARD-FATHER OR MOTHER (PROPOSER)
3 AADHAR CARD-FATHER OR MOTHER (PROPOSER)
4 AADHAR OFCHILD
5 SCHOOL ID OR SCHOOL CERTIFICATE COMPULSARY
FAQ's
❑How it is different from Term Insurance?
Term insurance protect your family after the death of proposer but in this policy dual advantage is provided – Saving as well as life cover.
Proposer is also getting benefits after investing into this policy.
❑Does endowment policy offer tax benefits?
Yes , Tax exemption under Section 80C maximum limit 1.5 lakh and tax free
maturity under Section 10 (10D)
❑Can I surrender an endowment policy before completion of the policy
term?
No , You have to continue the policy till it get matured.
❑Can I switch my premium payment frequency from monthly to quarterly
or between other options?
NO, only annually premium allowed.
❑Can policyholders choose to increase the sum assured during the policy
term in the case of endowment plans?
Yes, depending on the policy.
❑Can I buy an endowment policy for someone else?
Yes you can buy for your spouse or children
❑When can I withdraw life insurance plan with better returns?
Only after the maturity according to the premium paying terms you have chosen.
PROCESSING TIME: •COMPLETED FORMS ALONG WITH CHEQUES
WILL BE PRESENTED AT LIC OFFICE ON T+1
DAYS (BUSINESS WORKING DAYS)
•LIC ISSUANCE DATE COUNTED WHEN
COMPLETE FORM IS APPROVED BY LIC
UNDERWRITING TEAM.
•LIC ISSUANCE RECEIPT WILL BE PROVIDED
OVER MAIL/WHATSAPP TONET PAISA.
•LIC POLICY HARD COPY WILL BE PROVIDED
AT NET PAISA OFFICE AT NOIDA FOR
FURTHER DISTRIBUTION- TIME DURATION 30
DAYS FROM DATE OFISSUANCE.
FOLLOWING INFORMATION
REQUIRED FOR LIC
❖NAME AS PER PAN CARD:
❖PAN NUMBER:
❖DOB:
❖ADDRESS:
❖MOBILE:
❖EMAIL:
❖NOMINEE NAME:
❖NOMINEE RELATION:
❖OCCUPATION:
❖COMPANY NAME/BUSINESS
NAME:
❖YEARS IN
COMPANY/BUSINESS
❖HEIGHT:
❖WEIGHT:
❖ANY PRE EXISTING ILLNESS:
❖FATHER’S AGE OR AGE AT
DEATH
❖MOTHER’S AGE OR AGE AT
DEATH
❖BROTHER’S AGES (S) OR
AGE(S) AT DEATH:
❖SISTER’S AGE(S) OR AGE(S)
AT DEATH:
ALL PHYSICAL FORMS ALONG WITH DOCUMENTS
TO REACH BELOW ADDRESS
C-276 SECTOR 63 NOIDA –UTTAR PRADESH
PIN CODE-201301
PH: 0120-4571285
For any Query or service related issue: You can speak with
Aarti Verma - 07982427847(Senior Manager)
Email- [email protected]
Nisha Rana -9560327349 (RM)
