सर आपको सलाम है , आपका प्रेजेंटेशन आँख खोल देने वाला है । ऐसा नहीं है कि मैं आपके विडियो को देखने से पहले टर्म इंसोरेंस के बारे में नहीं जानता था। मैं पूर्व से ही जानता हूँ एवम ले भी रखा हु ।आपके लेक्चर के बाद इसे लेकर ज्यादा जागरूकता आई है । आपका बहुत धन्यवाद, एवम शुभकामनाएं। आप ऐसे ही लोगों का मार्गदर्शन करते रहे ।
Really impressive detailing.. Thanks for sharing this.. I am a firm believer of insurance and as a profession I secure lives of families by sharing similar scenarios thus educating them and safeguarding their financial future
Before watching this video, I thought it may open some negative aspects of term plans according to its titel, but there is nothing like that till the end. It explains only advantages. Good video. But if there are any negative aspects please make a video on that toooooooo... 🙏🙏
My dear in no way it is about term insurance even from the title . This a pure investment plan with just a hint of insurance and nothing more . The title is very clear and in the beginning of the video he has clearly mentioned the word Annuity. Yes he can do a separate video on and about Pure Term Insurance
When you purchase LIC, not you but the LIC agent is getting benefitted. Though it covers insurance but at any point of time some loophole may spoil all the benefits.
LIC ko aage aane wali mehagaaai se koi Lena dena nhi Hota.....unko bus aaj mota paisa chaiye.....ye 10 lakh se business karo bahot kama loge 12 Saal me
Rs. 141,900 will work out as @7% only because Rs. 10 lacs will become @20 lakhs or more than that in 10 years. All LIC policies are not worth for present generation as returns are very very poor. Present days there are so many much better options are available in the market like growth funds where in if you invest Rs. 20 lacks under SWP (systematic withdrawal plan) you can get definately more money than LIC & that also right from first month / better is start SWP after 13 months to save the tax.
You are partially correct but you are missing out some important points. 1) Even though return is 7% the actual amount is good . 2) It is guaranteed for life . 3) It is free of Market fluctuations. 4) The Principal amount is safe and remains intact. At the end of the annuitant life the principal will be returned to the surviving heir . The other side or Mutual Fund /Share Market are extremely volatile and there is a big risk of losing the entire principal amount. And all said and done annualized returns are 12 to 13% maximum. And for 10 Lakh to become 20 lakhs in 10 years you need 7.2% rate of interest . And in this scheme instead of waiting for 10 years you are cashing out the money at that rate. If you can wait and do without withdrawal then PPF option is also good. This scheme is primarily for seniors who need immediate returns . But it is equally beneficial for youngsters as well. They can plan their entry and pension dates as per the flexibility available. I think this strategy is better 1) Secure the Principal 2) Secure the rate of return . 3) if the pay out is not required can be reinvested in other options to maximize the final yield. 4)
Padubhai yeh kaun Sa ganit laye ho. Rule of 72 jante ho. 9 saal mein sirf double hoga matlab 10 ka 20 at 8% . 25 Lakh ke liye 14.5 Saal lagega. Is scheme mein bhi 9.58 saal mein 20 Lakh ho jayega. Is example mein 10 saal waiting period ke baad 1,43,200 per year milta hey woh 14.32% Return hey. And woh bhi fixed for life time . Aap ke nam se to aap Gujarati lagte ho. Aap se aisi umeed nahi thi.
Bhai 12 sal me to 10 lakh 20 lakh se bh jyada ho jayega. Ab 20 lakh me agar 7.5 %ka bhi interest lete hai to 1.5 lakh salana ata hai. Lic kya khak de raha hai?? Public ko budhhu bana raha hai ye..
Bhai yeh bareek ganit hey . AAP dhyan se dekho suno aur samjo. Public Buddu hey use samjha rahe hein naki buddhu bana rahe hey. Rule of 72 jante ho. 12 saal mein 10 Lakh ko double karna hey to 6% rate of interest hi chahiye. Is scheme mein Annual payment option select karo to approx 10% mil jata hey. Principal safe Aur return ka option bhi hey. Is se aap monthly payment le kar us ko Recurring account mein dalo to return 13% mil jata hey .
Sir ageas federal life insurance me 2 lakh sal ka life insurance policy liya hai 12 sal ke jisme agent ne jama karaya hai 2 lakh 9 hazar kya Esme Paisa to nahi dubega
Lic me Mera 5.5 lakh dub Gaya Mane 7.5 lakh 3 year bhara mere ko 3 year bad me 2 lakh Mila isliye jindgi me lic me paise nahin bharna agent sahi nahi batate hai apna commition ke liye public ka Paisa dubo dete hai
Maine ek policy li thi jisame agent ka nam change hai jb ki Mai kisi or se karvaya jo ki LIC ka dovelpment officer hai . Aise me meri policy ko koi khatara to nahi hai . Baki mujhe LIC degital pr sb show kr rha hai .
12 साल बाद 12 हजार महीने की पेंशन बेकार प्लान है। LIC से कभी भी इन्वेस्टमेंट करके किसी को फायदा नहीं हो सकता । आप ये 10 लाख निफ्टी 50 के स्टॉक्स खरीद के छोड़ दें तो ये 10 से 30 लाख बनेगा। फिर उस पैसे को SWP में लगाकर आप 12 साल बाद LIC से दोगुना पेंशन यानी कि 25000 हजार महीना या 3 लाख सालाना मिलेगा और मूलधन बना रहेगा।
E ek dhoka hai.......5-6% bhi interest Nehi milega.....kya fayda is policy ka? 10L in 12 years = minimum 20L So, interest 143000/ annum of 20L? Kya faida?
Das babu pehle aap Finance Money aur Investment ki bareeki Jan lo. Rule of 72 jante ho. 12 saal mein paisa double karne ke liye sirf 6% interest rate chahiye aur woh aap ko 12 saal tak wait karna hoga.Tab tak kuch nahi milega. Is video ke example mein 10 saal ka waiting period hey aur 11 th year se 1,42,300 per year interest milega annual mode mein Jo 14.32% return hota hey. Aur woh fix hey life time ke liye .
Bhai bhul kar bhi paisa invest mat karna, yeh sab bakwas yojana hey. Kabhi bhi 10 lakh invest karne se 1 lakh per month pension nahi milata. Public ko bewkoof banate hey. Galti se bhi ek baar invest kar doge to bich mey close bhi nahi kar sakate. Karana chahoge to invested money (not interest) ka 1/3 rd hi milega penalty kaat ke. Bahut bakwas yojana hey. Aur return 4 to 8 % mey deta hey . Aap ko 18% se 20% ki baat karenga. Do not invest. It's a trap. Baccho ke liye invest karna ho to post office mey saving karo. Every month 5000 ki NSC karonge to bhi achha khasa paisa jama hoga.
Bhai thoda ganit samaj lo fir comment karo. Investment ka ek rule hey jise Rule of 72 kehte hein . Is rule se aap paisa kitne saal mein aur kis rate per double hoga woh Jan sakte hein. Ya to Rate of Interest ya Period of time ya number of days/ months/ years do no mein se koi ek aap ko pata ho to aap doosra gin sakte ho. Ab aap ka hi example KVP ya Kisan Vikas Patra ka ganit rule of 72 se samaj te hein. 115 Month mein double hoga yeh hame pata hey. Ab Rate of Interest kya hoga jis se double hoga yeh Jan na hey. 155 month ko Years mein convert karte hein. 115 month / 12 months a year = 9.5833 years. Now as per Rule of 72 72/ 9.5833 years = 7.513% rate of interest. Is scheme mein agar 10 sal ka waiting aur Annual Payment select karo to approx 10% return milega. Aur yeh return life time milega . Ab batao
Your age does not matter and will not change anything about the payout. The amount will be different in 1 year waiting period. You should choose 1) Annual Payment option to get more . 2) Option F for Return of Principal or Premium in Full . Best option go to local LIC office and ask for a written quotation and they will give you full details . If you wait 10 years and choose annual payment option you get 143200 per year which works out to 14.32% return
Bhai video Dayan se dekho . Aap ko jawab mil jayega . Pension to jab tak jinda hey tab tak milega aur Do no ki death ke baad Nominee ko poora paisa mil jayega . Agar bonus aur kuch death benefit contract mein hoga to woh bhi mil jayega.
Bhai jo 10 lack rs hai tho Sab se achcha 10 lalk ki swp kar do aur 12 saal k liye sirf monthly 5000 lo aur 12 saal baad aap ka 10 lack 30 lack ho jayega baad me aap 25000 swp kar do har 5 saal k baad increase karte jao paisa khatm hi nahi hoga. Aur 5 saal baad 36 lack ho ja ye gi swp 30,000 kar do 5 saal baad 44 lack ho jaye gi 44 lack ho jaye tho 40,000 swp kar aase 5 saal baad amount k hisab se increase karo 0.75 per swp karte javo aap ka Paisa life time khatam nahi hoga.
LIC ka ye plan bank ke fix deposit se vi bekar hai......bank ka mic or qic me interest vi jada milega or pre closure me vi itana penalty nhi hai.......
Bhai Adhi adhuri baat mat karo. Ek comparative chart banao do no ka . Bank FD ka rate change hoga maturity per . Maximum deposit 10 saal hey. Aur Bank FD ka rate Aaj kya hey jara batao. Yeh lifetime deposit hey . Is example mein 10 saal waiting period hey and after that 1.43.200 per years works out to 14.32% interest rate and that too for life.
KYA BOTH KIE HIE DEATH HAU JATI HAI TAU KYA NOMINEE KO PENSION MILNE CHAHIYE WARNA POLICY BEKAR HAI NOMINEE KO PENSION JAROORI HAI TABHI BEST HOGI UNYA BEKAR HAI (THANKS& SORRY)
Rs 1018000 kept as FD at 7.2 % interest rate for 12 years has maturity value of Rs 23.96 Lacs. Interest on Rs 23.960Lacs @ 7.2 % comes to Rs 1.72 Lacs per year. LIC is calling the interest as Pension which is incorrect. This plan is not in interest of subscribers
The answer is in your own statement. LiC is not a charitable institution and it works for profit. It has to manage the payment of this policy which has a cost. The difference between 1.72 lakhs and 1.41 lakhs is the amount that LIC keeps for itself to not only cover the expenses but make profit also. All investment options are always in the favor of the institution or company . They make more money from your money to give you the return. If you choose tha Annual Payment Option then you get better return .
LIC plans are dead scheme. If I have 50 lakhs to invest for my pensions, I will divide it into two parts, 25 lakhs each. One part I will invest in RBI bond or PM Vaya Vandana scheme for getting 8% fixed return. The other 25 lakhs I will invest in nifty bees. From the fixed income securities I will enjoy higher rate than LIC. On the niftybees when market is bullish I will plan my other expenses like travel, vacation etc using the concept of SWP. That’s a much better plan than investing in dead LIC schemes.
No sir not true . You have to make proper combinations. The best feature of LIC Annuity is the Life time term of payment. Principal safe and option of return is available. If you choose Annual Pay Mode you get 10% return. RBI bonds are floating rates and currently they give 8% or less. PM VAY is only for 5 years and rates my change after that . Nifty based ETF and MF also give the returns in the the range of 8 to 10% on annualized basis and are high risk as such. 100% loss of principal is possible .
@@MrKhabbu First of all most LIC plans give no more than 5% annualized yield. Second RBI retail direct scheme GSEC is not floating. They give fixed rates of 7 to 7.5 coupon based on years of scheme. They are very long term schemes like 40 to 50 years. Third nifty50 index will never become zero. At max it can correct by 30% as happened during Covid. But with time it recovers and gives annualized yield of 12%.
@@krishnendude7130 No problem. Continue with your belief. LIC schemes have varying rate of returns . In this particular example in this video the return or yield works out 14.32% and that too for life time with 10 year deferment and annual payment option. The sensex can go down by 70 % or more like it did in 2008.highly volatile. Gsec or treasury bonds are again variable with market volatility and the face value rate is much lower at 2.5 to 3% percent but the trading yield comes to 6.5% to 7.3 % and it is not steady but consistently fluctuating. In any case the interest or return is taken out and not compounded so the return will look low . Hope you’re aware of the Rule of 72.
Don't go for any insurance policy from lic.i have purchased one jeevan sarala policy for 15yrs..I paid total 138000rupees as primium and in maturity I got 145223rupees after 15yrs.so you decide
Lic is giving incentive to its agent only, no return For any saving please go for SIP or equity linked scheme only and for insurance go only for term insurance Don't mix it otherwise lic will mesh you
Yeh ardha satya hey. Yeh policy apne liya kyun tha . Tab aap ko yeh bataya gaya hoga. In reality aap ne 9200 rupees hi premium diya per year . Sum assured ya insurance kitne ka tha . Aur aap maturity survive kar gaye to death benefit to nahi milega. Aap ki galti hey. At what age did you buy this. Insurance cover 9200 ke against kya tha woh aap ne nahi bataya.
Kis ne keh diya. LiC likh kar deti hey. Jitna details mein LIC likh kar deti hey utna koi nahi deta. AAP no nahi Maloo mis ka matlab yeh nahi ki LIC likh kar nahi deti. LIC mein much jabani ya oral koi kam nahi hota.
Aap ke paise ki pension milegi. Aur kahan se lagega . LIC koi Charity Trust nahi hey . Aur sarkar mein bhi jo pension milta hey woh bhi aap ka hi paisa hota hey .
सर आपको सलाम है , आपका प्रेजेंटेशन आँख खोल देने वाला है । ऐसा नहीं है कि मैं आपके विडियो को देखने से पहले टर्म इंसोरेंस के बारे में नहीं जानता था। मैं पूर्व से ही जानता हूँ एवम ले भी रखा हु ।आपके लेक्चर के बाद इसे लेकर ज्यादा जागरूकता आई है ।
आपका बहुत धन्यवाद, एवम शुभकामनाएं। आप ऐसे ही लोगों का मार्गदर्शन करते रहे ।
Lic logo ko boka banata hai
बहुत सुंदर जानकारी दिए है, सर जी सटीक और हर पहलू को अच्छे से समझाए आपका हृदय से धन्यवाद🙏
एल आई सी फ्रोड व लोगों को गुमराह करने वाली कम्पनी है।इसका नाम लूटेरा /चोर कम्पनी होना चाहिए
।
Really impressive detailing.. Thanks for sharing this.. I am a firm believer of insurance and as a profession I secure lives of families by sharing similar scenarios thus educating them and safeguarding their financial future
bahoot bahoot dhanyawad sir ji aapne bahoot achaa samjahya aisa, maine abhoot video dekhi lekin aap ki sabse best video hai
आप सबसे बेहतर एक्सप्लेन करते हो। आप जो कुछ भी बताते हो, उससे तुरंत समझ में आ जाता है।
कोटि-कोटि नमन आपको
🙏
Before watching this video, I thought it may open some negative aspects of term plans according to its titel, but there is nothing like that till the end. It explains only advantages. Good video. But if there are any negative aspects please make a video on that toooooooo... 🙏🙏
My dear in no way it is about term insurance even from the title . This a pure investment plan with just a hint of insurance and nothing more .
The title is very clear and in the beginning of the video he has clearly mentioned the word Annuity.
Yes he can do a separate video on and about Pure Term Insurance
When you purchase LIC, not you but the LIC agent is getting benefitted. Though it covers insurance but at any point of time some loophole may spoil all the benefits.
LIC ko aage aane wali mehagaaai se koi Lena dena nhi Hota.....unko bus aaj mota paisa chaiye.....ye 10 lakh se business karo bahot kama loge 12 Saal me
Rs. 141,900 will work out as @7% only because Rs. 10 lacs will become @20 lakhs or more than that in 10 years.
All LIC policies are not worth for present generation as returns are very very poor.
Present days there are so many much better options are available in the market like growth funds where in if you invest Rs. 20 lacks under SWP (systematic withdrawal plan) you can get definately more money than LIC & that also right from first month / better is start SWP after 13 months to save the tax.
You are partially correct but you are missing out some important points.
1) Even though return is 7% the actual amount is good .
2) It is guaranteed for life .
3) It is free of Market fluctuations.
4) The Principal amount is safe and remains intact. At the end of the annuitant life the principal will be returned to the surviving heir .
The other side or Mutual Fund /Share Market are extremely volatile and there is a big risk of losing the entire principal amount.
And all said and done annualized returns are 12 to 13% maximum.
And for 10 Lakh to become 20 lakhs in 10 years you need 7.2% rate of interest . And in this scheme instead of waiting for 10 years you are cashing out the money at that rate.
If you can wait and do without withdrawal then PPF option is also good.
This scheme is primarily for seniors who need immediate returns . But it is equally beneficial for youngsters as well.
They can plan their entry and pension dates as per the flexibility available.
I think this strategy is better
1) Secure the Principal
2) Secure the rate of return .
3) if the pay out is not required can be reinvested in other options to maximize the final yield.
4)
And SWP is not tax exempt as you are contemplating. Almost all the options are taxable as on today in India.
10 lack 12 years ke liye 8 percent se bhi rakha toh 25 lack hoga aur ispe monthly 2 lack interest milega. Waste hai LIC
25 लाख पर 2 लाख महीने इंटरेस्ट मिलेगा, भाई कौन सा बैंक है
@@avdeshkumartyagi69sohi bola.
Padubhai yeh kaun Sa ganit laye ho. Rule of 72 jante ho.
9 saal mein sirf double hoga matlab 10 ka 20 at 8% . 25 Lakh ke liye 14.5 Saal lagega.
Is scheme mein bhi 9.58 saal mein 20 Lakh ho jayega.
Is example mein 10 saal waiting period ke baad 1,43,200 per year milta hey woh 14.32% Return hey. And woh bhi fixed for life time .
Aap ke nam se to aap Gujarati lagte ho. Aap se aisi umeed nahi thi.
सर बहुत सुंदर जानकारी दी गई है ❤
Aadami fix me rakh kar ya mutual fud me rakh kar bad me SWP aadami nhi karega. Isme usase jayada milega.
😅
Sarkar income tax ke nam par pura harap legi.
@pramodsharma9262 *GHANTA मिलेगा ।।*
@@sadikrahman6203kaise poora hadap legi jara details mein samjhao
@@ibunlimitedAap mat karo . Kisi ne invite nahi kiya hey
Thank u so much u have reached within us this lic plan
Bhai 12 sal me to 10 lakh 20 lakh se bh jyada ho jayega. Ab 20 lakh me agar 7.5 %ka bhi interest lete hai to 1.5 lakh salana ata hai. Lic kya khak de raha hai?? Public ko budhhu bana raha hai ye..
👌
Ye company सरकारी बाबू चला रहे है
Bhai yeh bareek ganit hey . AAP dhyan se dekho suno aur samjo. Public Buddu hey use samjha rahe hein naki buddhu bana rahe hey.
Rule of 72 jante ho. 12 saal mein 10 Lakh ko double karna hey to 6% rate of interest hi chahiye.
Is scheme mein Annual payment option select karo to approx 10% mil jata hey. Principal safe Aur return ka option bhi hey.
Is se aap monthly payment le kar us ko Recurring account mein dalo to return 13% mil jata hey .
Anual payment par 10% kabhi bhi nahin milega.@@MrKhabbu
We are proposing better then lic products.
Sir ageas federal life insurance me 2 lakh sal ka life insurance policy liya hai 12 sal ke jisme agent ne jama karaya hai 2 lakh 9 hazar kya Esme Paisa to nahi dubega
Jo 2023 se phele plan issue hua hai kya unlogo ka rate of interest badega ya same rahega plz ans🙏🙏
Sir jab contract sign ho gaya to jo rate of interest life time fix rahega. No change. Aap jab tak jinda rahoge tab tak ek hi rate rahega
Lic me Mera 5.5 lakh dub Gaya Mane 7.5 lakh 3 year bhara mere ko 3 year bad me 2 lakh Mila isliye jindgi me lic me paise nahin bharna agent sahi nahi batate hai apna commition ke liye public ka Paisa dubo dete hai
Absolutely risk free, no "real" value of this "minimum" yield(looking towards inflation)
Maine ek policy li thi jisame agent ka nam change hai jb ki Mai kisi or se karvaya jo ki LIC ka dovelpment officer hai . Aise me meri policy ko koi khatara to nahi hai .
Baki mujhe LIC degital pr sb show kr rha hai .
Nahi koi dikkat nahi he .
लेकिन जिसने करवाया है वो गलती किये है उसको चेक करना चाहिए था जब प्रपोजल बना था फिर जमा करता पैसा ।
Koi problem nai hain ji bs policy bond ko achi trah read kr Lana ki plan no , term etc ..etc..
Sir
Parchase price kist me nahi ho sakata hai.
Koi aisa plan bataye jisme amount ko kist me Bhara Jaaye aur uske baad pension mile
Please let me know, what is the percentage of interest you give.
बहुत ही अच्छी जानकारी है
Bakwas, pahale to jo pension 1 mahine 1 lakh bola woh hi farji hey. Kabhi nahi milega. Jooth hey, dhoka hey.
12 साल बाद 12 हजार महीने की पेंशन बेकार प्लान है। LIC से कभी भी इन्वेस्टमेंट करके किसी को फायदा नहीं हो सकता । आप ये 10 लाख निफ्टी 50 के स्टॉक्स खरीद के छोड़ दें तो ये 10 से 30 लाख बनेगा। फिर उस पैसे को SWP में लगाकर आप 12 साल बाद LIC से दोगुना पेंशन यानी कि 25000 हजार महीना या 3 लाख सालाना मिलेगा और मूलधन बना रहेगा।
ये सारी प्रोसेस में कितना समय लगेगा
Bilkul sahi kaha apne
Risk bhi hota hai lekin LIC me risk nhi hai death ho jaye to family ko bhi benifit milega
शेयर मार्केट का दलाल ऐसे ही कहेगा, शेयर बाजार और सट्टा बाजारों मे ज्यादा फर्क़ नही है क्योंकि कोई गारंटी मूलधन की भी नही है 😅
Long term निबेश के लिए अच्छा कुछ blue chip share हमेशा ज्यादा return देगा !!
इन्वेस्ट करते ही अगले महीने से मिलना चाहिए। तो फायदा ही होना चाहिए
सबसे अच्छा था सहारा v प्लस के प्लान देखो इन्वेस्टमेंट करने वाले काफी धनी हो गए है मेरी तरह
Sir Death Benefit policy 67 years ka man ka Lea melaga kya sir
1500000/- ka minimum 14% compound return 10 year ka mutual fund me milega kitna paisa hoga ginti
Kar lo
हम नेपाली लोग सहभागी हो सकते है?कृपया बताने का कष्ट करें।
Very good sir ji 🌹🏵️🌻🌺💐
Very well explained
Lic 12 years rahega ya default ho kon dega......
E ek dhoka hai.......5-6% bhi interest Nehi milega.....kya fayda is policy ka?
10L in 12 years = minimum 20L
So, interest 143000/ annum of 20L?
Kya faida?
If 1018000 invest in share Market.
After 12 year.... Minimum 3× ho jayege..
3000000 × 6.5 % bank interest = 234000 per year.
@@patelhardik425Patel share bajar doobi jay to moodi bhi jay. Vyajbi vat karo
Das babu pehle aap Finance Money aur Investment ki bareeki Jan lo. Rule of 72 jante ho.
12 saal mein paisa double karne ke liye sirf 6% interest rate chahiye aur woh aap ko 12 saal tak wait karna hoga.Tab tak kuch nahi milega.
Is video ke example mein 10 saal ka waiting period hey aur 11 th year se 1,42,300 per year interest milega annual mode mein Jo 14.32% return hota hey. Aur woh fix hey life time ke liye .
@@patelhardik425absolutely right
My age is 62 , my daughter is 31,deferment period is 1 yr,how much is yearly pension for joint life?
Bhai bhul kar bhi paisa invest mat karna, yeh sab bakwas yojana hey. Kabhi bhi 10 lakh invest karne se 1 lakh per month pension nahi milata. Public ko bewkoof banate hey. Galti se bhi ek baar invest kar doge to bich mey close bhi nahi kar sakate. Karana chahoge to invested money (not interest) ka 1/3 rd hi milega penalty kaat ke.
Bahut bakwas yojana hey. Aur return 4 to 8 % mey deta hey . Aap ko 18% se 20% ki baat karenga. Do not invest. It's a trap. Baccho ke liye invest karna ho to post office mey saving karo. Every month 5000 ki NSC karonge to bhi achha khasa paisa jama hoga.
Lic ma serf agent ka pet varte hai... Dear friends know about mutual fund..
Kishan vikas patra ma 115 month ma double best hai post office mai risk bilkul nathi full safty
Bhai thoda ganit samaj lo fir comment karo.
Investment ka ek rule hey jise Rule of 72 kehte hein .
Is rule se aap paisa kitne saal mein aur kis rate per double hoga woh Jan sakte hein.
Ya to Rate of Interest ya Period of time ya number of days/ months/ years do no mein se koi ek aap ko pata ho to aap doosra gin sakte ho.
Ab aap ka hi example KVP ya Kisan Vikas Patra ka ganit rule of 72 se samaj te hein.
115 Month mein double hoga yeh hame pata hey. Ab Rate of Interest kya hoga jis se double hoga yeh Jan na hey.
155 month ko Years mein convert karte hein. 115 month / 12 months a year = 9.5833 years.
Now as per Rule of 72 72/ 9.5833 years = 7.513% rate of interest.
Is scheme mein agar 10 sal ka waiting aur Annual Payment select karo to approx 10% return milega. Aur yeh return life time milega .
Ab batao
LIC PENSION SCHEME pahle bhi aaya tha fail ho gaya tha.😢😢😢
Ek bhi scheme fail nahi hua . Aaj bhi jor se bik raha hey.
I am 84 yrs old can I invest in J.shanti
जैसा कि आप बता रहे हैं 100000 है 150000 पर कितना एनुअल पेनसन आएगा मार्ग दर्शन कैसे करें
Wow kya plan hai.........naukri karne wala lic me Paisa rakhega pension k liye ....aur mp..MLA ban kar neta le jayega pension kebal 5 saal me
AAP bhi ban jao. AAP ko kisne roka hey. 75 years yeh to chal raha hey. 5 sal ke 25 Lakh dene wali Agniveer scheme nahi chahiye .
Gst kitna %lagta hai
LIC ke plan Puri tarah se bogus & thakau hote hai
Bina samje comment mat karo.
My age now 63 if now I start 5 lakhs from next year monthly how much get money?
Your age does not matter and will not change anything about the payout. The amount will be different in 1 year waiting period.
You should choose
1) Annual Payment option to get more .
2) Option F for Return of Principal or Premium in Full .
Best option go to local LIC office and ask for a written quotation and they will give you full details .
If you wait 10 years and choose annual payment option you get 143200 per year which works out to 14.32% return
जिसने ये प्लान 3 साल पहले लिया है उसकी पेंशन नई दरों से बनेगी या पुरानी दर ही लागू रहेगी
Very good details
62 YEARS KE UNDER BOTH JOINT KIE HIE DEATH HAU JAATI HAI TAU PAIDE KYA NOMINI KO KYA BENIFIT MILEGA BEFORE GIVEN THE ANY PENSION
Bhai video Dayan se dekho . Aap ko jawab mil jayega . Pension to jab tak jinda hey tab tak milega aur Do no ki death ke baad Nominee ko poora paisa mil jayega . Agar bonus aur kuch death benefit contract mein hoga to woh bhi mil jayega.
This plan is not benicial due to waiting +12 is 8:24lakh
milega
But pension may be credited 12000/-month instead 24000/22000/-
DURGHATNA YA NATURAL DEATH ALSO COVERED..?😊
Bhai jo 10 lack rs hai tho
Sab se achcha 10 lalk ki swp kar do aur 12 saal k liye sirf monthly 5000 lo aur 12 saal baad aap ka 10 lack 30 lack ho jayega baad me aap 25000 swp kar do har 5 saal k baad increase karte jao paisa khatm hi nahi hoga.
Aur 5 saal baad 36 lack ho ja ye gi swp 30,000 kar do 5 saal baad 44 lack ho jaye gi
44 lack ho jaye tho 40,000 swp kar aase 5 saal baad amount k hisab se increase karo 0.75 per swp karte javo aap ka Paisa life time khatam nahi hoga.
Lic ke nad me mat lao
Mutual fund me 1000000rs
Lagane se 12 sal bad 6000000rs ho jayega
12 sal bad swp karo 30000rs par month
Right 👍
Kon se Bank ka swp hai
Don't go for LIC as maximum returns is limited to 5-6% only
LIC एक चुना है जिसका रंग नीला है
Knowledge na ho toh bhoka na kare
Yeh kya bat Hui 🤣🤣
🎉🎉अच्छा हे
LIC policy main Paisa rakhan Paisa jalane ke barabar Hain.
😆😆😆😆😆😆
If 1018000 invest in share Market.
After 12 year.... Minimum 3× ho jayege..
3000000 × 6.5 % bank interest = 234000 per year.
Bahut hi saandar
Ey insurance policy korne se Archana he gold khorid lo
I fixed 5 lakhs how much I get every month pension every month
Best option is go to the Local LIC office and you will get a free calculation in writing . It is available online also
ਕੋਈ ਫਾਈ ਦਾ ਨਹੀ ' LIC ਪਾਲਿਸੀ ਦਾ ਕੋਈ ਵਿਆਜ ਨਹੀ ਮਿਲਦੀ
Profitplus market plus me hamara Paisa katke .Ila hai😢😢😢
Is NRI take this policy's
Lic ko app aj Rs-1 denge to lic 20 years bad app ko Rs-2 dega
LIC ka ye plan bank ke fix deposit se vi bekar hai......bank ka mic or qic me interest vi jada milega or pre closure me vi itana penalty nhi hai.......
Bhai Adhi adhuri baat mat karo. Ek comparative chart banao do no ka .
Bank FD ka rate change hoga maturity per . Maximum deposit 10 saal hey.
Aur Bank FD ka rate Aaj kya hey jara batao.
Yeh lifetime deposit hey .
Is example mein 10 saal waiting period hey and after that 1.43.200 per years works out to 14.32% interest rate and that too for life.
AK Kam Karo tum dono jagah AK fix amount dal Dena or fir check Kar Lena....future me...
KYA BOTH KIE HIE DEATH HAU JATI HAI TAU KYA NOMINEE KO PENSION MILNE CHAHIYE WARNA POLICY BEKAR HAI NOMINEE KO PENSION JAROORI HAI TABHI BEST HOGI UNYA BEKAR HAI (THANKS& SORRY)
Present LIC policy
Matlab no profit 😂😂
Rs 1018000 kept as FD at 7.2 % interest rate for 12 years has maturity value of Rs 23.96 Lacs. Interest on Rs 23.960Lacs @ 7.2 % comes to Rs 1.72 Lacs per year. LIC is calling the interest as Pension which is incorrect. This plan is not in interest of subscribers
The answer is in your own statement.
LiC is not a charitable institution and it works for profit. It has to manage the payment of this policy which has a cost.
The difference between 1.72 lakhs and 1.41 lakhs is the amount that LIC keeps for itself to not only cover the expenses but make profit also.
All investment options are always in the favor of the institution or company . They make more money from your money to give you the return.
If you choose tha Annual Payment Option then you get better return .
LIC plans are dead scheme. If I have 50 lakhs to invest for my pensions, I will divide it into two parts, 25 lakhs each. One part I will invest in RBI bond or PM Vaya Vandana scheme for getting 8% fixed return. The other 25 lakhs I will invest in nifty bees. From the fixed income securities I will enjoy higher rate than LIC. On the niftybees when market is bullish I will plan my other expenses like travel, vacation etc using the concept of SWP.
That’s a much better plan than investing in dead LIC schemes.
No sir not true . You have to make proper combinations.
The best feature of LIC Annuity is the Life time term of payment.
Principal safe and option of return is available.
If you choose Annual Pay Mode you get 10% return.
RBI bonds are floating rates and currently they give 8% or less.
PM VAY is only for 5 years and rates my change after that .
Nifty based ETF and MF also give the returns in the the range of 8 to 10% on annualized basis and are high risk as such. 100% loss of principal is possible .
@@MrKhabbu First of all most LIC plans give no more than 5% annualized yield.
Second RBI retail direct scheme GSEC is not floating. They give fixed rates of 7 to 7.5 coupon based on years of scheme. They are very long term schemes like 40 to 50 years.
Third nifty50 index will never become zero. At max it can correct by 30% as happened during Covid. But with time it recovers and gives annualized yield of 12%.
@@krishnendude7130 No problem. Continue with your belief.
LIC schemes have varying rate of returns . In this particular example in this video the return or yield works out 14.32% and that too for life time with 10 year deferment and annual payment option.
The sensex can go down by 70 % or more like it did in 2008.highly volatile.
Gsec or treasury bonds are again variable with market volatility and the face value rate is much lower at 2.5 to 3% percent but the trading yield comes to 6.5% to 7.3 % and it is not steady but consistently fluctuating.
In any case the interest or return is taken out and not compounded so the return will look low .
Hope you’re aware of the Rule of 72.
GST 18%क्यो?
18 % lutne ke baad sarkar 80 c me chhut 😂
1.8% GST
Mutual Fund karo & uske baad SWP... better than this plan.
Interest bahaut km hota h Lic me
Don't go for any insurance policy from lic.i have purchased one jeevan sarala policy for 15yrs..I paid total 138000rupees as primium and in maturity I got 145223rupees after 15yrs.so you decide
Lic is giving incentive to its agent only, no return
For any saving please go for SIP or equity linked scheme only
and for insurance go only for term insurance
Don't mix it otherwise lic will mesh you
Yeh ardha satya hey. Yeh policy apne liya kyun tha . Tab aap ko yeh bataya gaya hoga.
In reality aap ne 9200 rupees hi premium diya per year . Sum assured ya insurance kitne ka tha .
Aur aap maturity survive kar gaye to death benefit to nahi milega.
Aap ki galti hey. At what age did you buy this.
Insurance cover 9200 ke against kya tha woh aap ne nahi bataya.
GST 18000?? How
दस लाख पर सिर्फ अट्ठारह हजार रुपए का जीएसटी, क्या दर हुआ, केवल एक दशमलव आठ।बात कुछ समझ नहीं आई।
180000
Ek ziro kam lagaaya tha
lic me kabhi bhi fayada nahi hua lekin nukasan avashya hota hee.
Jindgi me lic me paise nahin bharna bhai
😊😊😊😊😊😊
Lic........ Sirf dalalo ko dalali de skti hai logo fayda nhi
Nivesh plus is good than j shanthi
Ekdum bakwas hai.... After 50 years no need insurance...
Far better in mutual fund swp plan... Dear friends avoid lic move to mutual fund
मैं अपने lic के 2 प्लान बन्द कराना चाहता हु
Reason?
@@rockysinger3737 वो पैसे म्यूच्यूअल फण्ड में डालूंगा
सीएसटी और जिएसटी लेते है
❤❤❤❤❤
Worst policy
Mutual funds sai hi
Lic kavi likh kar return nahi deta hai
Kis ne keh diya. LiC likh kar deti hey. Jitna details mein LIC likh kar deti hey utna koi nahi deta. AAP no nahi Maloo mis ka matlab yeh nahi ki LIC likh kar nahi deti.
LIC mein much jabani ya oral koi kam nahi hota.
Lic सब स्कीम बंडल है..
All policy are beneficiary after death.😊
No sir. Evu nathi. You get pension till you live and after death you get the money back
Lic se kuch mat karana ye bhut zhuthe hai
प्लॉट खरीदे
Subb toa bakwass investment. If you want to put money today after 20 ,25 years you feel ur looted
Video bnvtana calculation karun banva chukicha banue naka
हमारे pasay की हमे ही पेंशन दे रही एलआईसी😂
Sayad aapko samjh nhi aaya
Aap ke paise ki pension milegi. Aur kahan se lagega . LIC koi Charity Trust nahi hey . Aur sarkar mein bhi jo pension milta hey woh bhi aap ka hi paisa hota hey .
Bank
18% gst
Lic ka koi bhi plan nahi lena hai
😂😂
Post office me mis karo
Faide me rahoge
सब बेकार प्लॅन है पैसे लुटणे का तरिका है
Gst is 18%
LIC ZINDAGI KE SAATH BHI
ZINDAGI KE BAAD BHI
SAR JHUKA KE JIO🍌🍌
Tumhare paise ka only.. 5% pension milega...
नॉमिनी के मूमे जल्दी आग लगे
Kya