Category Archives: Uncategorized

Sep 23, 2025

“From Equity to Debt: A Simple Guide to Mutual Funds Types”

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of securities like stocks, bonds, or other assets. They can be categorized based on investment objective, structure, and asset class. Here’s a breakdown:

1. Based on Asset Class

• Equity Funds: Invest mainly in company shares. Higher risk, higher potential return.
  • Large-cap, Mid-cap, Small-cap funds
  • Sectoral/Thematic funds
  • Index funds
• Debt Funds: Invest in bonds, government securities, debentures, etc. Lower risk, steady returns.
  • Liquid funds, Short-term funds, Corporate bond funds
• Hybrid Funds: Combination of equity and debt to balance risk and return.
  • Aggressive hybrid funds
  • Conservative hybrid funds
• Money Market Funds: Invest in short-term debt instruments (Treasury bills, Commercial paper). Very low risk
• Solution-oriented Funds: Designed for specific goals like retirement or child’s education.
  
  2. Based on Structure
  Open-ended Funds: Can buy/sell units anytime. Highly liquid.
  Closed-ended Funds: Units can only be bought at the time of the new fund offer (NFO). Traded on stock exchanges.
  Interval Funds: Open for sale/redemption during specific intervals only.
  
  3. Based on Investment Objectives
  Growth Funds: Focus on capital appreciation (mainly equity).
  Income Funds: Focus on steady income (mainly debt).
  Balanced/Asset Allocation Funds: Mix of growth + income.
  Tax-saving Funds (ELSS): Equity-linked savings schemes with tax benefits under Section 80C

4. Other Special Categories

• Index Funds / ETFs: Track a market index (like Nifty 50, Sensex).
• Fund of Funds (FoFs): Invest in other mutual funds.
• International Funds: Invest in foreign markets.
• Sectoral Funds: Invest in specific industries (IT, pharma, banking)

Sep 8, 2025

LIC Jeevan Utsav Plan – Best LIC-Lifetime Protection with Guaranteed Benefits

What is LIC Jeevan Utsav Plan?

LIC’s Jeevan Utsav Plan is a non-linked, non-participating, individual, savings, whole-life insurance plan that ensures both protection and guaranteed income. It is designed for those who wish to enjoy financial security, guaranteed lifelong income, and peace of mind with risk coverage.

This plan combines insurance + savings + lifelong celebration of benefits, making it one of the best choices for individuals and families seeking long-term stability.

Key Features of LIC Jeevan Utsav Plan – LIC best Plan

• ✅ Lifetime Risk Cover – Provides financial security to your family throughout life.
• ✅ Guaranteed Income – Regular income for life after premium payment term.
• ✅ Flexible Premium Options – Choose from limited premium payment terms.
• ✅ Whole Life Coverage – Protection up to 100 years of age.
• ✅ Tax Benefits – Premiums eligible for deductions under Section 80C, and maturity/survival benefits under Section 10(10D).
• ✅ Loan Facility – Option to avail loan against the policy.

Benefits of LIC Jeevan Utsav Plan

🎯 Guaranteed Income for Life

After completion of the premium payment term, you receive regular guaranteed income throughout your lifetime.

🎯 Financial Security for Family

In case of unfortunate demise, the policy ensures lifetime financial protection for your loved ones.

🎯 Wealth Creation & Liquidity

Enjoy wealth accumulation with guaranteed payouts and access to liquidity via policy loan.

🎯 Lifetime Coverage

Risk cover continues up to 100 years of age, making it a truly lifelong plan.

Eligibility & Policy Terms

• Minimum Age at Entry: 90 days
• Maximum Age at Entry: 65 years
• Policy Term: Whole Life (up to 100 years)
• Premium Payment Term Options: 5, 10, 15, or 20 years (flexible)
• Guaranteed Income Start: After completion of Premium Payment Term

Why Choose LIC Jeevan Utsav for Your Future?

• Trusted brand with over 60 years of service in insurance.
• Guaranteed income for life ensures financial independence.
• Lifetime coverage means peace of mind for you and your family.
• Smart choice for long-term wealth creation and tax savings.

How to Buy LIC Jeevan Utsav Plan Online?

1. Visit the official LIC website or contact your nearest LIC agent.
2. Calculate your premium and benefits using the LIC premium calculator.
3. Choose your premium payment term and guaranteed income option.
4. Complete the proposal form and submit required documents.
5. Pay the premium online/offline and secure your Jeevan Utsav Policy.

FAQs on LIC Jeevan Utsav Plan

Q1. Is the Jeevan Utsav Plan suitable for retirement planning?
Yes, since it provides guaranteed lifetime income, it is an excellent retirement solution.

Q2. Can I take a loan against this plan?
Yes, loan facility is available after acquiring surrender value.

Q3. Does the plan offer tax benefits?
Yes, under Section 80C (premium paid) and Section 10(10D) (benefits received).

Aug 23, 2025

LIC presents a golden opportunity to revive closed policies from 18 August 2025 to 17 October 2025. (Special Revival Campaign)

Life Insurance Corporation of India has come up with a special offer for its policy holders. LIC has started a special revival campaign to restart the closed policies. This campaign will be run from 18 August 2025 to 17 October 2025. Life Insurance Corporation of India (LIC) is offering policyholders a golden opportunity to revive their lapsed or closed policies through a special revival campaign. This initiative allows customers to restore the valuable protection and benefits of their life insurance plans that may have been discontinued due to non-payment of premiums. By reviving these policies, policyholders can once again secure financial protection for their loved ones, enjoy long-term savings, and continue reaping the associated bonuses and benefits. LIC’s revival campaign not only ensures peace of mind but also provides flexible terms and concessions to make it easier for customers to reinstate their coverage. This is a limited-time chance for policyholders to safeguard their financial future without the need to purchase a new policy at higher costs.

Concession for late Fee is as Table:-

For more information contact Nearest LIC branch.