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Equity marketDebt market

Bond marketMutual fundsMortgage market

Insurance

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Equity market

Equity market, or stock market, is a system through whichcompany shares are traded. The equity market offers investors anopportunity to participate in a company's success through an increase in itsstock price. With enhanced opportunity, however, the equity market usuallycarries greater risk than debt markets.

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D ebt market

Debt market refers to the financial market where investors buy andsell debt securities, mostly in the form of bonds. These markets areimportant source of fund.

The most distinguishing feature of the debt instruments of debtmarket is that the return is fixed. This means, returns are almost risk-free.This fixed return on the bond is often termed as the 'coupon rate' or the'interest rate'. Therefore, the buyer (of bond) is giving the seller a loan at afixed interest rate, which equals to the coupon rate.

debt market can be classified into two categories:G overnment Securities Market ( G -Sec Market)Bond Market.

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B ond market

A financial marketplace where debt instruments, primarily bonds, arebought and sold is called a bond market . The dealings in a bond market arelimited to a small group of participants. Contrary to stock or commoditiestrading, the bond market (also known as the debt market) lacks a centralexchange.

Types of B ond MarketsCorporate: includes trading in debt securities issued by corporations and

industries to raise funds.G overnment and A gency: involves trading in bonds issued by government

departments as well as enterprises sponsored by the government or agenciesbacked by it.

Municipal: covers transactions in municipal securities issued by states,districts and counties.

Mortgage Backed Securities: includes dealings in asset-backed securitiesthat are protected by mortgages.

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Mutual funds

A mutual fund is a group of investors operating through a fundmanager to purchase a diverse portfolio of stocks or bonds. Mutual funds arehighly cost efficient and very easy to invest in. By pooling money together in amutual fund, investors can purchase stocks or bonds with much lower tradingcosts than if they tried to do it on their own. A lso, one doesn't have to figure outwhich stocks or bonds to buy. But the biggest advantage of mutual funds isdiversification.following major types:Closed-end fundsOpen-end fundsLarge cap fundsMid-cap fundsEquity fundsBalanced fundsG rowth fundsNo load fundsExchange traded funds

Value fundsMoney market fundsInternational mutual funds

Regional mutual fundsSector fundsIndex funds

Fund of funds

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Mortgage market

A mortgage represents a loan or lien on a property/house thathas to be paid over a specified period of time. Think of it as your personalguarantee that you'll repay the money you've borrowed to buy your home. Mortgages come in many different shapes and sizes, each with itsown advantages and disadvantages. Make sure you select the mortgagethat is right for you, your future plans, and your financial picture.

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InsuranceInsurance is defined as the equitable transfer of the risk of a loss, from oneentity to another, in exchange for payment.

Insurer : A n insurer is a company selling the insurance.

Policyholder : policyholder is the person or entity buying the insurance policy.

Premium : The insurance rate is a factor used to determine the amount to becharged for a certain amount of insurance coverage.

Claim : Insurance claims cover everything from death benefits on lifeinsurance policies to routine health exams at your local doctor. In manycases, claims are filed by third parties on behalf of the insured person, butusually only the person's listed on the policy is entitled to claims payment.

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Insurance Regulatory & D evelopment Authority

Insurance Regulatory & Development A uthority is regulatory anddevelopment authority under G overnment of India in order to protect theinterests of the policyholders and to regulate, promote and ensure orderlygrowth of the insurance industry. It is basically a ten members' teamcomprising of a Chairman, five full time members and four part-timemembers, all appointed by G overnment of India. This organization came intobeing in 1999 after the bill of IRD A was passed in the Indian parliament.

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Types of Insurance

Vehicle insurance

Home insuranceHealth insurance

Life insurance

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Vehicle Insurance

Motor Insurance is to select that car insurance which offers thecashless settlement service wherein at the time of any accident you just needto inform the insurer & the insurer will direct you to an authorized garagewherein the policyholder need not pay to the garage & the insurer will pay onits own. Thus this service helps you to remove all the hassles of arrangingmoney in a short time span.

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H ome Insurance

Home insurance, sometimes also referred as homeowners insurance,provides a cover for house property against hazards. Now a days people havebeen going & opting for home insurance due to the recent spate of naturalcalamities hitting the normal man like earthquakes, tsunami, floods etc.

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H ealth Insurance

It is a contract between the Insurer & the Insured wherein the former

agrees to pay to the latter hospitalization expenses to the extent of an agreedsum assured in the event of any medical treatment out of an illness or aninjury. In the nutshell the Health Insurance is a policy which covers you & your family against medical expenses due to sickness, accident etc. The Insured inreturn has to pay a regular premium to the insurer.

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L ife Insurance

Life is full of uncertainties & you cant really presume that your future is devoid of risks, so to be safe one has to get himself insured so thathis dependents are offered with financial help in any unforeseen event.Life Insurance caters to your following requirements :

Financial Security to your familyInvestment & saving options

Saving options for Retirement through Pension plansSaving options for Children through Children Insurance Plans

Some of the Life Insurance plans are:

Pension plan

Children planTerm planULIP planMoney back plan

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Insurance companies in India

Bajaj A llianz Life Insurance Company LimitedBirla Sun Life Insurance Co. LtdHDFC Standard life Insurance Co. LtdICICI Prudential Life Insurance Co. Ltd.ING Vysya Life Insurance Company Ltd.Life Insurance Corporation of IndiaMax New York Life Insurance Co. LtdMet Life India Insurance Company Ltd.

Kotak Mahindra Old Mutual Life Insurance LimitedSBI Life Insurance Co. LtdTata A IG Life Insurance Company LimitedReliance Life Insurance Company Limited. A viva Life Insurance Co. India Pvt. Ltd.Bharti AXA Life InsuranceReligare Life Insurance A pollo DKV InsuranceCholamandalam MS G eneral InsuranceICICI Lombard G eneral InsuranceIFFCO Tokio G eneral InsuranceNational Insurance Company LtdReliance G eneral Insurance

Tata A IG G eneral Insurance

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