10 lakh 12 saal tak fd mai investment krne par... value 2430000... uspar 10 percent saal ka pension plan ke hisaab se 243000 banta hai.. bt Lic approx 143000 de rhi hai.. jo approx 6% percent ban raha
Thank you so much for your valuable comment and calculation.. just wanted you to please mention the Pension option of which you are talking about in your comment in which you will get the Guaranteed 10% return after 12 years or even today because 10% return is not available in even PMVVY yojana today.
also, you have to understand that this is not an insurance plan - it is a pure Pension/Annuity plan in which you are getting the benefit of return of purchase price to the nominee..
if you take deferred period in your calculations for return calculations then the returns for any time frame will not exceeds more then 6% ... pls recheck your calculations
Plz elaborate details of jeevan dhara 2 plan, single premium investment with return of premium of after death of annuitent to nominee for 10 lakh investment for 10 yrs defferment period what is annual pension to invester
I want to purchase a policy for my son who is not very mentally all right there fore there should be no surrender option is it possible to make a clause in policy to this extent
Any sr citizen who applies in L.I.C. long term pension plan must understand he will have to produce existence certificate after five years of the policy which is very cumbersome processes which no tube channel report.
How I apply online for LIC jeevan Shanti plan 2023 and also narrate if a central govt servant retired from service wef 30/6/2023 wants to take the plan with Rs: 15 lac then what will be the return rate for 12 years and return rate.
Bhai 10 years deferment means your 10 lakh will become minimum 20lakh. So on 20 lakh LIC is giving pension. Now you can calculate actual how much % LIC IS GIVING pension.
Please calculation and share in the comment section that what is the guaranteed return you will get after 10 years when you have 20 lakh in hand.. please update.
I Hava one doubt, if the parent died during the deferment period in joint life option, is his daughter or son will get pension amount immediately or they have to wait till deferment period over for the pension amount.? Please explain.
if you want pension from this year means you want immediate pension then you should avoid Jeevan Shanti plan, - Please go for Jeevan Akshya plan in which you will get the immediate annuity/pension.
Bhai pension aaj mil rahi hai tho 12 ya 14 percent interest likho.... 12 saal bad k compounding interest k saamne milni wali pension 4 to 6 percent hi aati hai... Upper se 12 saal baad compounding interest ka paisa jo ja ma honga uska kya bhai... Wo company kha jayengi... Ye tho purani sawkari se bhi jaada lootne ka dhanda hai... Pension bhalehi 6 percent do par compounding interest ka kuch tho paisa beneficiaries ko do..... Ye LIC ... Agent ki jebe bharke ek din dub jayengi .. 25 percent tak agent ko milte hai.... Sub online direct kardo... Investor k paise uskohi benefits k saath vaapasi karo....agent ko bus service charge do .. Tabhi Lic jinda rahengi... Nahi tho aajkal k mutual fund k jamane mai.. Ye dub jaayengi 🙏
It is really Appreciated that you have seen the complete video and share your valuable review on this hot topic... Thank you so much again. Now coming on your points. Point 1 - (12 saal bad k compounding interest k saamne milni wali pension 4 to 6 percent hi aati hai) - Answer to this point - I would request you to please check the same on Excel with IRR rate and then confirm what Interest you will get after 12 year if you will invest the amount in FD and what is the amount you will get as return, because in Jeevan Shanti plan you will get higher return then that and that too guaranteed from today .. but on that time when you will get the FD return - we are not sure what will be the pension rate. Point 2 - (Pension bhalehi 6 percent do par compounding interest ka kuch tho paisa beneficiaries ko do..... ) i think apne video puri nahi dekhi ya to dhyan se nahi dekhi, because with 1 year defferment, pension rate is approximate 6.97%.. Request you to please check the video ... Point 3 - (Commission to Agent) - you can buy this plan online tooo.. to avoid that things too... and at last about mutual fund, we are not at all saying that mutual fund are not correct... - mutual fund sahi hey or bilkul sahi hey.. Rest, thank you for writing.
@@ManojJaiswallic 🙏🙏🙏 This means short deferred period is best for locking interest rate. But in long term deffered period (though interest rate of fd is 4 to 6 percent after 12 yrs) Interest came 4 to 6 of compounding money gathers.. So what is benefit of long deffered period.... Atleast company should give some of benefit of compounding money to customers while surrender after long term deffered period.. 💐🙏
@@Harshal- in both cases you are locking the interest rate for the future.. in shorter term, customer will get his pension from earlier years and in longer deferment, he/she will get the pension from that year onwards only.. but the percentage he/she will fix today.. and it is not again 4%.. it is more then 6.5%...
Bhai sahab logo ko galat bata rahe ho.... 14 % ka absolute return to bata diya par 12 saal ka time value include nahi kiya...... jo loss hua un 12 saalo me uska kya !
Iss scheme ka actual yearly return is only 4.02 % .. 10 lakh ki fd in 20 years will give more returns then this for the same time period ...aap log khud calculate kar k dekh lo
In the differed period of 12 years, invested money becomes double. However, the benefit to the nominee is only the purchase price. I hope that's clear now
It is wrong that return is 14%. You have to double the money incase of 12 years of defferment. That means after 12 years your money will be doubled so actual return is 7% only. Agent assehi bewakuf banate hai sale
Ye kya logic hua😂😂😂😂10 lakh jma kiya 12 saal k lie aur 12 saal baad annually 14% milega wo v 10 lakh ka hi Arre bhai 10 saal baad 31 lakh ho jaega 12% returns se v to uska 14% do n tb koi baat bne Isse accha mutual fund me jma kr de to 10 saal baad yearly 5% v withdraw krenge to 155000 tk milega
it is a misrepresentation. you should also calculate the notional interest erned in secure investments like fixed deposit in a bank etc. and calculate the amount of principal at the end of the differement period and on it the pension should be calculated as a %, this % as explained by you is much much less than the bank fixed deposit rate.
14.5%kaise jra Hume bhi bataiye, lic ki bewsite me to Aisa kuch nahi 150000per monthly 1000rupay kitna percentage hua?, chutiya bnana band kro logoun iski batoun pe dhyan mat do .ye bewkuf bna rha hai, sidhe l.i.c ki site me jaker check kero sach pta chal jayega
Thank you so much for your feedback and comments Mr. Sushil.. Answer to you points, all the amounts which are mentioned in the video are taken from the LIC Software only. you are advised to please visit the LIC website and check the return and cross check with our video then confirm what is wrong in this video. Also, i feel you haven't seen the video and video thumbnail completely because in video we gave you answers of your queries too. Rest For Viewers, please ignore the bad words he used in the comment because may be he is not in that state of mind on that time when posting the comment on public network or he don't know what to mention.. elsewhere, his point is correct of which i answered above.
Basically buying smaller say 20% 5 yrly fd with nbfcs with quarterly payout can yield better yield , guarantted with much less hassel.
Good night 🌃sir
if you take deferred period then the returns for any time frame will not exceeds more then 6% ... pls recheck your calculations
रिटायर्ड मेंट के बाद NPS मे जमा राशि का 40% अमाउंट इसमे जमा कर सकते है क्या बताइए।
10 lakh 12 saal tak fd mai investment krne par... value 2430000...
uspar 10 percent saal ka pension plan ke hisaab se 243000 banta hai.. bt Lic approx 143000 de rhi hai.. jo approx 6% percent ban raha
Aur upper se vaapas bus 10 lakh hi milenge.... Death benefit.... Baki k 10 lakh company nigal jayengi
Thank you so much for your valuable comment and calculation..
just wanted you to please mention the Pension option of which you are talking about in your comment in which you will get the Guaranteed 10% return after 12 years or even today because 10% return is not available in even PMVVY yojana today.
also, you have to understand that this is not an insurance plan - it is a pure Pension/Annuity plan in which you are getting the benefit of return of purchase price to the nominee..
Mohit Mittal ji aapne Jo fd10 lakh 12 salki bataye vistar se bataye
@@ManojJaiswallicgalat kyo bta rahe ho logo ko 14 percent kaha se mil jayega??
if you take deferred period in your calculations for return calculations then the returns for any time frame will not exceeds more then 6% ... pls recheck your calculations
for personalise query please on 8595757292
Plz elaborate details of jeevan dhara 2 plan, single premium investment with return of premium of after death of annuitent to nominee for 10 lakh investment for 10 yrs defferment period what is annual pension to invester
I like this plan.please repeat this video.
Agar beti ki Sadi nahi Hui h kya baad me namkin bana sakte hai
Sir, agar annuity start nahi hui toh kya deferment period change/reduce karva sakte from 3 yrs. to 1 year ? please guide..
for personalise query please message on our whatsapp number 8595757292
I want to purchase a policy for my son who is not very mentally all right there fore there should be no surrender option is it possible to make a clause in policy to this extent
for any personalized query please message on this number 8595757292
Share bazar m invest kry. Lic valy khud share bazar m invest krty hy
Any sr citizen who applies in L.I.C. long term pension plan must understand he will have to produce existence certificate after five years of the policy which is very cumbersome processes which no tube channel report.
Sir ji kuch samaj🤦♂️ nahi aya mari age 40 sal h 1 mahina m kitna jama karne h or kitne sal 10 lac rupay kripiya bataiye 🙏
Sir, your voice is very fast.
Sir aam logo k pahunch se bahar h ye palan minimum 75000honi chahiye j
Nice video sir
Pl confirm... Investment amt eligible for deduction U/C IT..80C....pl inform
Yes, invested amount in Jeevan Shanti are eligible for Rebate under IT section 80C
but Pension is taxable
Plan n. 852 siip me compound interest h ya simple interest?
for any personalized query please contact and message on this number 8595757292
Sir jiii pls make video Lic Comparison of 3 pension plan pls
video published on the channel, please check
How to calculate the rate of interest? Pl give calculations.
you can visit the LIC website for the same..
I like this plan
Sir g Maine 152000 ka 5 saal ka defferd plan liya h .sep me 5 saal ho jayenge.agar main isko sarender kru to mujhe kitna amaunt milega
For any query, you can connect our team on whatsapp (8595757292). they will happy to assist you.
How I apply online for LIC jeevan Shanti plan 2023 and also narrate if a central govt servant retired from service wef 30/6/2023 wants to take the plan with Rs: 15 lac then what will be the return rate for 12 years and return rate.
for any customized or personalized query, please connect our team on 8595757292
Comment me answer kyo nahi dete bhai...
👌
One time investment kr k next month se income milte rahe waisa plan bateai age 29yrs hai
any query please message on this number 8595757292
Bhai
10 years deferment means your 10 lakh will become minimum 20lakh. So on 20 lakh LIC is giving pension. Now you can calculate actual how much % LIC IS GIVING pension.
Please calculation and share in the comment section that what is the guaranteed return you will get after 10 years when you have 20 lakh in hand.. please update.
After 10 years bank interest was 2.5 percent
Sir after 10 year surender karne par 10 lakh pe kitna paisa wapas milega
Depends on your deferment plan
80 to 90 percent of it... No compounding interest benefit to investor hard earn money
Sir pls jeevan Akshay par bhi video banao
Thank you for your comment, Jeevan Akshya video is also in pipeline and it will be published this month only... stay connected thanks.
6q
@@ManojJaiswallic
Bhai pahle barabar bolna Sikh lo
Aur mobile ko silent rakha karo samajh mein nahin aata kya bhashan de rahe ho
P0licy lene ke bad se interest Milna start ho jayga.pl.confirm me.
iss policy mein deferment period complete hone ke baad pension milna shuru ho jaati hey
Age limit बताएं क्लियर।
Already mentioned in the video,
Minimum entry age is 30 Years and Maximum entry age is 79 Years.
Sir Esme one time invest kar sakte ha ki yearly invest kar sakte ha
For any query, you can connect our team on whatsapp (8595757292). they will happy to assist you.
Purchase amount one time me bharna padta hai
Sir lic life certificate lic branch office attested kar dati ha sir plz reply 🙏
yes
Please give example of age 60yrs and def.period 1,2, .....
any query please message on this number 8595757292
What is surrender value
for any personalized query please contact and message on this number 8595757292
भाई, जो उसका 1 साल डेफरमेंट में 1 month ka interest mil rha hai, that's the actual return...i.e 6.6
इसमें 2nd year से इनफ्लेशन को भी माइनस करना होगा।
For any query, you can connect our team on whatsapp (8595757292). they will happy to assist you.
I Hava one doubt, if the parent died during the deferment period in joint life option, is his daughter or son will get pension amount immediately or they have to wait till deferment period over for the pension amount.? Please explain.
Pension will start after the deferment period only in case of joint life.
No, in that case Nominee will get the Death Claim amount i.e. Purchase amount + Interest accrued per annum.
@@ManojJaiswallic Hi sir How much interest will be add to that policy every year for death claim settlement? . Please explain.
When will get pension I want to take in 2023 which year pension start
depends on the deferment period, agar aap next year se chahte hey to 1 saal ka deferement hoga nahi to upto 12 year tak option available hey.
if you want pension from this year means you want immediate pension then you should avoid Jeevan Shanti plan, - Please go for Jeevan Akshya plan in which you will get the immediate annuity/pension.
Life complete means kya?
death of policy holder (Annuitant/Pensioner)
50 साल उम्र में 10 लाख जमा करने पर 12000 प्रात माह कितने सालों तक मिलता रहेगा।
Bhai pension aaj mil rahi hai tho 12 ya 14 percent interest likho....
12 saal bad k compounding interest k saamne milni wali pension 4 to 6 percent hi aati hai...
Upper se 12 saal baad compounding interest ka paisa jo ja ma honga uska kya bhai...
Wo company kha jayengi...
Ye tho purani sawkari se bhi jaada lootne ka dhanda hai...
Pension bhalehi 6 percent do par compounding interest ka kuch tho paisa beneficiaries ko do.....
Ye LIC ... Agent ki jebe bharke ek din dub jayengi .. 25 percent tak agent ko milte hai....
Sub online direct kardo... Investor k paise uskohi benefits k saath vaapasi karo....agent ko bus service charge do .. Tabhi Lic jinda rahengi... Nahi tho aajkal k mutual fund k jamane mai.. Ye dub jaayengi 🙏
It is really Appreciated that you have seen the complete video and share your valuable review on this hot topic... Thank you so much again.
Now coming on your points.
Point 1 - (12 saal bad k compounding interest k saamne milni wali pension 4 to 6 percent hi aati hai) - Answer to this point - I would request you to please check the same on Excel with IRR rate and then confirm what Interest you will get after 12 year if you will invest the amount in FD and what is the amount you will get as return, because in Jeevan Shanti plan you will get higher return then that and that too guaranteed from today .. but on that time when you will get the FD return - we are not sure what will be the pension rate.
Point 2 - (Pension bhalehi 6 percent do par compounding interest ka kuch tho paisa beneficiaries ko do..... ) i think apne video puri nahi dekhi ya to dhyan se nahi dekhi, because with 1 year defferment, pension rate is approximate 6.97%.. Request you to please check the video ...
Point 3 - (Commission to Agent) - you can buy this plan online tooo.. to avoid that things too...
and at last about mutual fund, we are not at all saying that mutual fund are not correct... - mutual fund sahi hey or bilkul sahi hey..
Rest, thank you for writing.
@@ManojJaiswallic 🙏🙏🙏
This means short deferred period is best for locking interest rate.
But in long term deffered period (though interest rate of fd is 4 to 6 percent after 12 yrs)
Interest came 4 to 6 of compounding money gathers..
So what is benefit of long deffered period....
Atleast company should give some of benefit of compounding money to customers while surrender after long term deffered period.. 💐🙏
@@Harshal- in both cases you are locking the interest rate for the future.. in shorter term, customer will get his pension from earlier years and in longer deferment, he/she will get the pension from that year onwards only.. but the percentage he/she will fix today.. and it is not again 4%.. it is more then 6.5%...
A retirement immediate option
Sa Esme kab se lagu hota h
matlab, kya lagu hota hey... please thoda detail mein apna sawal mention kariye.
ସାର ନମସ୍କାର, ଯଦି ମୁଁ 10ଲକ୍ଷ ଟଙ୍କା ଏକ କାଳିନସେପ୍ଟେମ୍ବର ମାସରେ ଡିପୋଜିଟ କରେ ତେବେ ମୋତେ କନ ଅକ୍ଟୋବର ମାସରୁ ପେନସନ ମିଳିବ?
Sir tax k bare me b btado
Taxable.. no rebate or income tax free
These u tuber's real motive is to promote viewership by catchy heading! Financially not beneficial.
Thank you so much for your feedback....
Rest, it would be great if you also elaborate that why it is not beneficial financially.
मनोज जी ये आप वास्तव में ही लिख कर देते हो या बोल ते ही हो
no, it is mentioned on bond too.
Sir life Insurance kitna ka milta hai
any query please message on this number 8595757292
Surrender value me bhaut amount kata jata hai jabki post office scheme me only १persent kata hai
10% of principle amount in Jeevan Shanti.
Bhai sahab logo ko galat bata rahe ho.... 14 % ka absolute return to bata diya par 12 saal ka time value include nahi kiya...... jo loss hua un 12 saalo me uska kya !
Iss scheme ka actual yearly return is only 4.02 % .. 10 lakh ki fd in 20 years will give more returns then this for the same time period ...aap log khud calculate kar k dekh lo
Ye scheme 20 years me ( 12 +8 ) years me total 2144000 ₹ degi.
5% ki sadi se sadi fd bhi 26 lakh de degi
iss policy mein apko 1st year se hi Guaranteed return mention kar ke diya jayega.. matlab no loss.
it would be better ki aap calculate kar ke bata dete .
yeh scheme ek pension scheme hey na ki lumsum return wali FD.. isska difference apko samajhna padega.
Sir eska cometion kasa hai
for any personalized query please message on this number 8595757292
Sir maximum age kya he
For any query, you can connect our team on whatsapp (8595757292). they will happy to assist you.
Original investment becomes double in 12 years and LIC will pay to the nominee only Original investment. How does this work ....😮
didn't get your query.
In the differed period of 12 years, invested money becomes double. However, the benefit to the nominee is only the purchase price. I hope that's clear now
Phle 10 lakh hum jma kravye fr pension milni started hogi
yes
Pension amount is tax free or not?
No..
It is wrong that return is 14%. You have to double the money incase of 12 years of defferment. That means after 12 years your money will be doubled so actual return is 7% only. Agent assehi bewakuf banate hai sale
Are bhai tab ka bank ka return 1 % hoga
Bank ka return 1% hoga, lic 3 % dega or vagega।
Agent bewkuf nahi bnate balki jo LIC ki scheme h, wo yahi hai.
12 saal me Paisa dabble hotai hai to konsa Naya hai Khali pili Mera time west ho gaya
For any personalized query please message on this number 8595757292
Ye kya logic hua😂😂😂😂10 lakh jma kiya 12 saal k lie aur 12 saal baad annually 14% milega wo v 10 lakh ka hi
Arre bhai 10 saal baad 31 lakh ho jaega 12% returns se v to uska 14% do n tb koi baat bne
Isse accha mutual fund me jma kr de to 10 saal baad yearly 5% v withdraw krenge to 155000 tk milega
Voice not clear
Thank you so much for your feedback and we will make sure that it will not happen in future videos.
it is a misrepresentation. you should also calculate the notional interest erned in secure investments like fixed deposit in a bank etc. and calculate the amount of principal at the end of the differement period and on it the pension should be calculated as a %, this % as explained by you is much much less than the bank fixed deposit rate.
Please recalculate the bank fix deposit after 12 years and revert with the figures so that viewers will also get to know about the same
Lic मे इन्व्हेस्ट मेन्ट एकदम बोगस है..😂
😢Save yourself from loot.
In kannada please
Bina gold only good plan.. baki sab bakwas
Kanada me bolo sir ji
only english or hindi.
Banane kaam
😢
14.5%kaise jra Hume bhi bataiye, lic ki bewsite me to Aisa kuch nahi 150000per monthly 1000rupay kitna percentage hua?, chutiya bnana band kro logoun iski batoun pe dhyan mat do .ye bewkuf bna rha hai, sidhe l.i.c ki site me jaker check kero sach pta chal jayega
Thank you so much for your feedback and comments Mr. Sushil..
Answer to you points, all the amounts which are mentioned in the video are taken from the LIC Software only. you are advised to please visit the LIC website and check the return and cross check with our video then confirm what is wrong in this video. Also, i feel you haven't seen the video and video thumbnail completely because in video we gave you answers of your queries too.
Rest For Viewers, please ignore the bad words he used in the comment because may be he is not in that state of mind on that time when posting the comment on public network or he don't know what to mention.. elsewhere, his point is correct of which i answered above.
😂😂😂😂
Koei murka naibanna chahega
any query please message on this number 8595757292
पुरी बकवास !
LIC aachhya nehi.hey. sab se bekar. jaise bolrahahey.oisa nehi.jhut.bolne.k.liye aasli.bat chuparahagey
any query please message on this number 8595757292
bekar hai
LIC ek ghatiya investment.isme agent.o.company.k.lav.hota hey
We respect and appreciate your view because each individual have their own opinion.