स्मॉल-कैप म्यूचुअल फंड वे हैं जो अपनी संपत्ति का 65% -90% हिस्सा उन कंपनियों के इक्विटी शेयरों में निवेश करते हैं जो बाजार पूंजीकरण के मामले में 251 वें या उससे नीचे स्थान पर हैं।याद&nbsp; रखना चाहिए कि लार्ज-कैप फंड्स की तुलना में स्मॉल-कैप फंड्स में अपेक्षाकृत अधिक जोखिम होता&nbsp; हैं। स्मॉल-कैप फंड्स में रिटर्न अस्थिर होता है और वे बड़े फंडों की तुलना में बाजार की गतिविधियों के लिए अधिक वोलेटाइल प्रतिक्रिया देते हैं। इसका कारण? उस समय जब अर्थव्यवस्था अच्छा प्रदर्शन नहीं करती है, तो छोटी कंपनियों को बहुत अधिक नुकसान होता है, क्योंकि वे कम स्थापित होती हैं और व्यवसाय से बाहर निकलने का विकल्प चुनती हैं या किसी बड़े प्रतियोगी के हाथों में ले ली जाती हैं।हालांकि, दूसरी ओर, जब अर्थव्यवस्था अच्छा प्रदर्शन करना शुरू करती है, तो छोटी कंपनियां आमतौर पर अपने बड़े साथियों से उच्च प्रदर्शन करने की श्रमता रखती हैं।उनके पास ग्रोथ&nbsp; के लिए बहुत अधिक गुंजाइश होती है, और अधिक अनुकूल वातावरण होता है, जो एक अच्छी तरह से प्रबंधित कंपनी को अग्गेरेसिव रूप से बढ़ने की अनुमति देता है। स्मॉल-कैप कंपनियों की इस विशेषता के कारण यह है कि वे लंबे समय तक निवेश पर अधिक रिटर्न देते हैं।इस सवाल का जवाब देने के लिए कि क्या स्मॉल-कैप फंड में निवेश करना सुरक्षित होता है, उपरोक्त चर्चा को देखते हुए, कोई व्यक्ति इस प्रकार निष्कर्ष निकाल सकता है:<ol><li>किसी को अल्पावधि में नुकसान का अनुभव करने और जोखिम की श्रमता के लिए तैयार रहना चाहिए</li><li>अधिक समय तक निवेशित रहना महत्वपूर्ण है</li><li>एक फंड किन कंपनियों में निवेश करती है। वह बहुत ज़रूरी&nbsp; इसलिए, ऐसे फंड का चयन करना बेहतर होता है, जिसमें एक अनुभवी फंड मैनेजर हो।</li><li>पोर्टफोलियो का निवेश केवल स्मॉल-कैप फंड में नहीं होना चाहिए, बल्कि विविधीकरण(diversification) प्राप्त करने और अपेक्षित रिटर्न बढ़ाने के लिए भी होना चाहिए|</li></ol>

क्या-स्मॉल-केप-म्यूचूअल-फंड-में-निवेश-करना-सुरक्षित-है-

It is not possible to predict future returns with certainty. We have heard many experts say for the last 6 months that the Nifty and Sensex valuations are stretched and hence investors must exit. Only in the last 4 months Sensex is up close to 15%. One must focus more on long term asset allocations rather than short-term (monthly or annual) views. Your asset allocation should be based on your risk/age profile and goals. If you have a long-term horizon a higher weightage of your portfolio should be in equities and the portfolio should be debt heavy in case of shorter horizons. Hope this helps. Feel free to write back in case you are looking for help on asset allocation and financial planning.

the-cio-of-aditya-birla-mutual-fund-said-that-investors-should-expect-8-9-from-nifty-this-year-historically-large-cap-funds-have-given-about-1-lesser-returns-than-nifty-so-in-such-a-scenario-should-i-not-invest-my-money-in-debt-and-earn-similar-returns-while-keeping-my-money-safer

Fixed deposits with different banks also offer the facility of sweep-in to its customers. The sweep-in facility gives the option to depositors to fix a balance limit for their savings account and if the available balance exceeds that limit then the excess amount is transferred from their savings account to the linked fixed deposit account. To opt for the fixed deposit sweep-in facility, it is mandatory to link the saving account with the <a href="https://zfunds.in/m/fixed-deposit">fixed deposit account</a>.Let us understand with an example: You have set the limit in the savings account of Rs.30,000 and the current available balance is Rs.22,000. Now, suppose you received Rs.15,000 in your saving account. The total available balance in the account is now Rs.37,000. So, the sweep-in facility will automatically transfer Rs.7,000 to your fixed deposit account.Along with fixed deposit sweep-in, there is another similar facility which is Sweep-out.&nbsp;Fixed deposit sweep-out gives liquidity to the account holder. Let us understand this better with an example:Suppose you have the available balance in your saving account of Rs.15,000 and there is any auto-debit payment of Rs.20,000. So, the sweep-out facility will transfer the Rs.5,000 from the fixed deposit account to the saving account to initiate the payment and avoid the charges.

what-is-fixed-deposit-sweepin-facility-how-does-it-work

चलिए समझते हैं कि एक लिक्विड फंड क्या है? और लिक्विड फंड में कौन निवेश करता हैं। लिक्विड फंड एक ऐसा फंड है जो बहुत कम अवधि के डेब्ट इंस्ट्रूमेंट्स में निवेश करता है, जैसे कि टी-बिल्स, गवर्नमेंट सिक्योरिटीज, सर्टिफिकेट ऑफ डिपॉजिट्स और कमर्शियल पेपर्स आदि। आमतौर पर, लिक्विड फंड में प्रतिभूतियों के लिए परिपक्वता की औसत अवधि 3 महीने से कम होती है।लिक्विड फंड्स सरप्लस फंड्स को कम से कम 1 दिन से लेकर 6 महीने तक रखने का एक कुशल तरीका होता है। उदाहरण के लिए, यदि आपको 3 महीनों में छुट्टी के लिए धन की आवश्यकता होती है, तो आप इसे तरल निधि में रखने पर विचार कर सकते हैं, क्योंकि रिटर्न बचत खाते की तुलना में बेहतर होता है। इससे भी महत्वपूर्ण बात यह है कि निवेश अत्यधिक सुरक्षित होता हैं। कई लोग अपने फंड को लंबी अवधि के इक्विटी म्यूचुअल फंड में बदलने के लिए लिक्विड फंड में निवेश और एक सिस्टमेटिक ट्रांसफर प्लान (एसटीपी) का उपयोग करने के लिए भी विचार करते हैं। इससे उन्हें एकमुश्त पर बचत के लिए बैंकों की बचत से बेहतर रिटर्न मिलता है और समय के साथ अस्थिरता को हराने के लिए इक्विटी में व्यवस्थित निवेश अच्छी तरह से काम करता है।&nbsp;लिक्विड फंड पर टैक्स3 साल से कम समय के लिए निवेश के मामले में, लाभ को शॉर्ट टर्म कैपिटल गेन्स (एसटीसीजी) माना जाता है। इस मामले में, लाभ को व्यक्ति की आय में जोड़ा जाता है और उसकी आय स्लैब के अनुसार कर लगाया जाता है।3 साल से अधिक समय तक किए गए निवेश के मामले में, लाभ को लॉन्ग-टर्म&nbsp; (एलटीसीजी) माना जाता हैं। इंडेक्सेशन बेनिफिट के बाद इस पर 20% की दर से टैक्स लगता है।यदि कोई डिविडेंड&nbsp; विकल्प के विपरीत होता है, तो फंड&nbsp; डिविडेंड वितरण कर 29.12% के अधीन होता है।

लिक्विड-म्यूचूअल-फंड-क्या-है-इसमें-कैसे-कर-या-टैक्स-लगाया-जाता-है

Let us talk about the eligibility criteria of PMAY. You are eligible to apply for PMAY if the annual income belongs to the following 4 heads.<ol><li>EWS i.e Economically Weaker Section:&nbsp; Applicants whose family’s annual income is less than or equal to Rs. 3 Lakhs.</li><li>LiG i.e. Lower Income Group: Applicants whose family’s annual income is between Rs. 3 Lakh to Rs. 6 Lakh.</li><li>MIG I i.e. Middle Income Group I: Applicants whose family’s annual income is between Rs 6 lakh to Rs. 12 lakh.</li><li>MIG II i.e. Middle Income Group II: Applicants whose family’s annual income is between Rs. 12 lakh and below Rs. 18 Lakh.&nbsp;</li></ol>Also, the family must not own a pakka house anywhere in the country or receive the benefit of any other such government housing scheme to apply for the PMAY scheme.

who-is-eligible-for-pradhan-mantri-awas-yojana-am-i-eligible

This plan is a hybrid of protection and income for your family. This policy provides for yearly survival benefits from the end of the premium paying term till maturity and a lump sum corpus at the time of death of the insuree or maturity of the policy during the policy tenure. This plan also takes care of your liquidity needs by providing a loan facility against the policy.&nbsp;The policy has following features:<ol><li>Optional rider benefits</li><li>Loan facility is offered&nbsp;</li><li>Term of the policy is (100 minus entry age) years</li><li>Premiums paid are tax exempted</li><li>This policy offers life cover till the insuree turns 100 years old</li><li>Free Look period of 15 days if the holder is not satisfied with the conditions of the plan.&nbsp;</li></ol>

what-is-lic-jeevan-umang-plan

<a href="https://zfunds.in/search?searchdata=Public+Provident+Fund+%28PPF%29%3A+Interest+Rate%2C+Eligibility+Criteria%2C+Benefits%2C+Application+Form">PPF </a>account comes with a long maturity tenure of 15 years. PPF account matures after the completion of 15 years starting from the end of the financial year in which the account was opened. <a href="https://zfunds.in/m/ppf-interest-rate">PPF interest rate</a> for the period of Q4 which is January - March of the financial year 2020-2021 is fixed at 7.1%. <a href="https://zfunds.in/m/ppf-interest-rate">PPF interest rates</a> are subject to revisions by the Government of India every quarter which means after every 3 months.As PPF has a long maturity of 15 years, it offers the facility of partial withdrawals. But, partial withdrawals are allowed only after 5 years excluding the year in which the account was opened. The subscribers of the PPF account can withdraw up to 50% of the total corpus which is available after the end of the 4th financial year or preceding year, whichever is lower.&nbsp;To know more about the PPF, <a href="https://youtu.be/t6WEI6e08xs">click here</a> to view our detailed video on the PPF. The video consists of features, benefits, interest rate, rules, eligibility, and many more parameters about the PPF.&nbsp;

when-does-a-public-provident-fund-ppf-account-mature-does-the-ppf-account-allow-premature-withdrawals

Hi. In May 2018 the fund name and attributes were changed to HDFC Top 100. This was done to keep in line with SEBI's categorization norms. I guess you are speaking about the same fund.From your question "If I should keep investing or exit", it appears you are a regular and long term investor - probably SIPs, which is &nbsp;great.Our view has been that due to the depth in the large cap category and the restriction to 100 top stocks, it is getting difficult for fund managers to consistently generate an alpha. In other words, they are not being able to outperform the index. In fact, in the last 3 &amp; 5-years, only 6% and 17% (<a href="https://twitter.com/GauravSeth_Fin/status/1214533373487538177">https://twitter.com/GauravSeth_Fin/status/1214533373487538177</a>) of all active large cap funds have been able to beat the index.Going with this view, we are of the opinion that if one is investing for the long term, they could consider index funds in the large cap space. Maybe a combination of a sensex or nifty50 fund along with a Nifty Next 50 fund in the proportion of 3:1 would be preferable compared to an active fund. The lower expense costs makes the index funds even more attractive.

i-have-hdfc-top-200-growth-fund---please-advise-if-i-should-keep-investing-or-exit

<a href="https://zfunds.in/m/elss-funds">ELSS</a> or Equity linked saving scheme is a tax-saving mutual fund. This fund gives the benefit of a tax deduction of Rs.1.5 lakh per financial year. ELSS funds have a lock-in period of 3 years which means any amount invested in this fund cannot be withdrawn before the 3 years from the date of investment.<a href="https://zfunds.in/m/elss-funds">ELSS</a> funds are taxed as equity funds. It is taxed with Long-Term Capital Gains tax of 10% if the capital gains from these funds exceed Rs.1 lakh in a financial year.As these funds have a lock-in period of 3 years, so any amount withdrawn from these funds will be taxed with LTCG Tax at that time on the gains exceeding Rs.1 lakh.To know more about the ELSS funds, <a href="https://zfunds.in/m/elss-funds">click here</a> to read our article. Also, you can read our articles on the comparison of ELSS with other tax-saving instruments like <a href="https://zfunds.in/m/elss-vs-fd">ELSS vs FD</a>, <a href="https://zfunds.in/m/elss-vs-ppf">ELSS vs PPF</a>, <a href="https://zfunds.in/m/elss-vs-ulip">ELSS vs ULIP</a>, and <a href="https://zfunds.in/m/elss-vs-nsc">ELSS vs NSC</a>.<a href="https://zfunds.in/m/best-elss-mutual-funds">Click here</a> to know the best ELSS mutual funds for 2021 or <a href="https://youtu.be/25MXkUkrzrc">click here</a> to view our youtube video on top ELSS funds.

is-elss-taxable-after-3-years-do-we-have-to-pay-tax-on-gains-from-elss-funds-pls-reply

<a href="https://zfunds.in/m/public-provident-fund-ppf">PPF</a> account is a government-backed saving scheme that allows a depositor to save &amp; invest regularly for a long tenure. PPF is a tax-saving instrument investment in which is eligible for claiming tax deductions by investors of up to Rs.1.5 lakh per financial year.&nbsp;An individual is only allowed to maintain one PPF account. If an investor opens a second PPF account, then he/she will need to close the second account and the amount deposited in the second account will not be eligible to earn interest. But if in case, the individual earns the interest on the second account, then he/she would have to give back the interest amount to the government.Also, it will be mandatory for the investor to close the second account. And for this, the investor will have to prove that the second account has been mistakenly opened and is not opened deliberately.If the investor still opens the second PPF account, then they will not get any benefit of the PPF account for the second account.&nbsp;To know more about the PPF account, <a href="https://zfunds.in/m/public-provident-fund-ppf">click here </a>to read our article or&nbsp;<a href="https://youtu.be/t6WEI6e08xs">click here</a> to watch our youtube video.

can-i-maintain-more-than-1-public-provident-fund-ppf-account-under-my-name-is-it-allowed-to-open-multiple-ppf-accounts

Fixed Deposits are deposits for a certain and fixed tenure chosen by the individual at a fixed rate of return. The depositors can deposit funds for the very short term as well as long term. Often, the tenure for FDs ranges from 7 days to 10 years.When an individual opens an FD account with a bank, post office, corporate, or even an NBFC, the entity utilizes the funds to extend loans to borrowers. In return, the institutions pay interest on the deposits made by depositors. Each financial institution that is offering FD fixes its own interest rates following the RBI guidelines. With the change in repo rates as prescribed by the RBI from time to time, the interest rates on FDs are also revised. Along with that, the deposit tenure and amount are other factors influencing the interest rate. Most often, banks, corporates, and NBFCs offer a bit higher returns to senior citizens.&nbsp;Talking about liquidity, the depositors are not allowed to withdraw their money before maturity. However, the banks offer premature withdrawal facilities to depositors but this comes at the cost of applicable penalties. At the maturity, the entity credits the principal clubbed with the interest accrued to the bank account of the investor in case of cumulative FDs. In non-cumulative FDs, interest is paid out monthly, quarterly, semi-annually, or annually to depositors as per the chosen option. During the tenure of the <a href="https://zfunds.in/m/fixed-deposit">Fixed Deposit</a>, even if the prevailing interest rates go up or down, the depositors will be entitled to the rate of interest that was promised to them when they opened their FD account. This is the primary reason why FDs are so popular because they give the required comfort and assurance to the depositor.Before making any decision with respect to Fixed Deposits, one must do the needed research on different entities like the post office, top commercial banks, corporates, and NBFCs and see what are their interest rates, eligibility criteria, credit ratings, and other important aspects.For in-depth information on FDs, you can visit our previous article series on our website. (https://zfunds.in)&nbsp;

how-does-fixed-deposit-work-please-reply

After so many frauds of banks coming up in the news and the ever haunting news of increasing NPA, the most common question in the mind of investors is “Where we should keep our money?”, “Are banks safe anymore?” or “Which bank should I choose to open an FD account?”. Now let's try to find out the answer to these questions.&nbsp;If you are opening an FD account with a bank, your money is safer than you expect because RBI has made it mandatory for every bank to insure the investments under the DICGC (Deposit Insurance and Credit Guarantee Corporation) scheme. Under this, deposits of up to Rs 5,00,000 for both interest and the principal amount held are covered. This means that even if the bank deteriorates and becomes insolvent, the deposits will be safe as they are insured.&nbsp; However, the insurance is only applicable to the deposits with the commercial banks not on the deposits with NBFCs.&nbsp;Now if we talk about deposits exceeding Rs 5,00,000, this may not be completely safe as the insurance cover is only up to Rs. 5 lakh. So to avoid this risk, what one can do is opt for different banks and start more than one FD of each not exceeding the amount of 5 lakh rupees. In this manner, the funds will be insured and the risk and fear of safety can be minimized.&nbsp;However, it is always advised to check the credibility and reliability of the bank before investing the funds. One should always be aware of the banks offering more than the standard returns/interest as they might be small banks that pose more risk. The safest options to open FD accounts are large banks having branches and infrastructure all over the nation. Some of these are Axis Bank, State Bank of India, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Bank of Baroda among others.&nbsp;

which-bank-is-safe-for-a-fixed-deposit-in-india-where-should-i-open-an-fd-account

Hi. Axis Focused 25 Fund falls under the focused fund category. More than 85% of the portfolio comprises of large caps only. So, to answer your question – ‘If 25 stocks provide the diversification, does one need to split the investment into 2 or 3 different funds’. In this case, since this is a focused fund, it does not provide the diversification across the market caps. You can see the table below for some details regarding the fund.<figure class="table"><table><tbody><tr><td>Fund Name</td><td>5 Yr Annualized Returns</td><td>Monthly&nbsp; Expense Ratio</td><td>% Assets in Top 10 Holdings</td><td>P/E Ratio</td><td>P/B Ratio&nbsp;</td></tr><tr><td>Axis Focused 25 Fund Growth</td><td>11.91</td><td>1.85</td><td>63.58</td><td>34.70</td><td>5.93</td></tr></tbody></table></figure>Normally retail investors are not recommended to follow such concentrated strategies.For a high risk profile with a 5 year view, one may look to split their SIP investments into 2 funds. One part of the SIP amount could be invested in the ICICI Prudential Nifty Next 50 Index Funds which gives an exposure to a diversified portfolio of large cap stocks. The other half could be invested in the Motilal Oswal Midcap 150 Index Fund.&nbsp;For passively invested long term portfolios&nbsp;index funds are highly&nbsp;recommended. Index funds provide several benefits, such as:1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Lower Costs2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Broad Diversification across sectors3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Auto re-balancing4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Saves review time

Axis Focused 25 Fund falls under the focused fund category. More than 85% of the portfolio comprises of large caps only. So, to answer your question – ‘If 25 stocks provide the diversification, does one need to split the investment into 2 or 3 different funds’. In this case, since this is a focused fund, it does not provide the diversification across the market caps. You can see the table below for some details regarding the fund.<figure class="table"><table><tbody><tr><td><h3>Fund Name</h3></td><td><h3>Axis Focused 25 Fund Growth</h3></td></tr><tr><td>5 Yr Annualized Returns</td><td>11.91</td></tr><tr><td>Monthly&nbsp; Expense Ratio</td><td>1.85</td></tr><tr><td>% Assets in Top 10 Holdings</td><td>63.58</td></tr><tr><td>P/E Ratio</td><td>34.70</td></tr><tr><td>P/B Ratio&nbsp;</td><td>5.93</td></tr></tbody></table></figure>Normally retail investors are not recommended to follow such concentrated strategies.For a high risk profile with a 5 year view, one may look to split their SIP investments into 2 funds. One part of the SIP amount could be invested in the ICICI Prudential Nifty Next 50 Index Funds which gives an exposure to a diversified portfolio of large cap stocks. The other half could be invested in the Motilal Oswal Midcap 150 Index Fund. For passively invested long term portfolios index funds are highly recommended. Index funds provide several benefits, such as:1. &nbsp; &nbsp; &nbsp; Lower Costs2. &nbsp; &nbsp; &nbsp; Broad Diversification across sectors3. &nbsp; &nbsp; &nbsp; Auto rebalancing4. &nbsp; &nbsp; &nbsp; Saves review time

hi--i-am-planning-to-invest-thru-sip-in-axis-focussed-25-fund-rs-5000000-monthly-for-5-years-is-it-ok-if-my-risk-profile-is-high--if-25-stocks-could-itself-provide-diversification-do-i-need-to-split-rs-50000-in-two-to-three-different-mutual-funds--please-advise

<a href="https://zfunds.in/m/deduction-under-section-80d">Section 80D</a> offers the tax deduction for the premium paid on purchasing medical policies. This section came into effect to encourage individuals to take health policies. An investor can claim the tax deduction for the premium paid for self, spouse, and children below the age of 18 years. But, if the spouse is working then an individual cannot claim the tax deduction for the premium paid for the spouse. Premium paid for the policy of the spouse can be claimed as tax deduction under the income of the spouse herself.There is no need to submit any document or proof to claim the tax deduction under section 80D. But, it is advisable to keep the receipt for all the premiums paid as there can be a need of proof for claiming tax deductions at a later date or in the next financial year. The proof or document for the receipt for the premium paid should have the policyholder’s name in the documents.To know more about Section 80D, <a href="https://zfunds.in/m/deduction-under-section-80d">click here</a> to read our full article.

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Section 80D provides for deduction from the total taxable income for the payment of medical insurance premium paid either by an individual or a HUF. This deduction is allowed over and above the deduction limit of Rs. 1.5 lakh under Section 80C of the Income Tax Act,1961. These deductions are available for making a payment to keep in force an insurance policy which&nbsp;1. For an Individual:Is for the health of the assessee or the health of the husband or wife, dependent children, or dependent parents of the individual.2. For a HUF:Is for any member of the HU Family.&nbsp;To understand the maximum deduction that can be claimed under Section 80D, let’s have a look at this table.&nbsp;<figure class="table"><table><tbody><tr><td rowspan="2">Description&nbsp;</td><td colspan="2">Medical Insurance Premium Paid for</td><td rowspan="2">Total Deduction u/s 80D</td></tr><tr><td>Self, Spouse and Dependent Children(below 18)</td><td>Parents (irrespective of dependency)&nbsp;</td></tr><tr><td>None has attained the age of 60 years</td><td>Rs. 25,000</td><td>Rs. 25,000</td><td>Rs. 50,000</td></tr><tr><td>Assessee and his/her family is less than 60 years and parents are above 60 years of age</td><td>Rs. 25,000</td><td>Rs. 50,000</td><td>Rs. 75,000</td></tr><tr><td>Assessee and his/her parents have attained the age of 60 years or above</td><td>Rs. 50,000</td><td>Rs. 50,000</td><td>Rs. 1,00,000</td></tr></tbody></table></figure>The remaining income of the assessee after allowing deductions would be taxable as per the applicable income tax slabs on him.

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To decide if Tax-Free bonds are a good investment or not, we must look at what it has to offer in favor of investors and what drawback it has when compared to other investment options.&nbsp; Firstly if we talk about its merits, these bonds can be a great option for investors who look forward to fixed income investments. Default risk is very low in these bonds as they are issued by government entities and that too for a very long period, typically ten years or more, and you are assured of a fixed and regular income for this extended period. As the name suggests, the gains on this are completely tax-free as per Section 10 of The Income Tax Act, 1961 and the pre-tax effective returns are also high. The government entities invest this collected sum in housing, infrastructure, and development projects.&nbsp;Now talking about the drawbacks, the tax-free interest on such bonds should not be the only reason to purchase these bonds blindly. They have a very long maturity period and are not frequently traded which in turn creates a liquidity block and makes them less liquid when compared to other options. Thus, if you need money urgently, you may have to let go of them at a lower price.&nbsp;These bonds are an ideal choice for individuals or entities who fall in the highest tax slab like HNIs, Trusts, co-operative banks, HUF members, and institutional investors.

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Whenever an investor is willing to put his funds in equity mutual funds, he is most often struck with questions like - Should I invest in Large caps, mid-caps, or small caps?Mid-cap mutual funds that invest in companies with medium market capitalization have more scope to reap better capital appreciation over the long term, this is because these companies are not large companies and hence, they have more probability of making significant progress. These medium companies aim to become large corporations and increase their market capitalization by improving their existing financial position.&nbsp;Mid-cap mutual funds offer flexibility and investors aren’t obliged to stick to their investments as they can withdraw their funds on any business day by selling their units.Investments in these funds can be considered by investors who have an investment horizon of at least 5-7 years along with a moderate to high-risk appetite. These funds can be a part of an investor's core equity MF portfolio. The allocation can be made as per the risk profile, financial requirements &amp; investment horizon of the individuals.&nbsp; Some of the best Mid Cap mutual funds are:<ol><li>DSP Midcap Fund</li><li>Nippon India Growth Fund</li><li>Edelweiss Midcap Fund</li></ol>Also note, It is always advised to consult with your financial advisor before making any investments.

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WHAT IS FIXED DEPOSIT?Fixed Deposits (FDs) are considered a safe investment option that guarantees consistent interest rates, special interest rates for senior citizens, no market risk, various interest payment options, and income tax benefits. But before choosing the entity to invest in, it is important to compare a number of factors, such as default risk, tenure offered, prepayment penalty, and many more things. Another important factor to observe prior to investing in FDs is the latest FD rates among the leading institutions, such as banks, corporates, and post offices across the nation.&nbsp;TAXATION ON FDsInterest earned on FDs is completely taxable. Investors need to add this in their total income and will be taxed according to the tax slab they fall in. This is included in the head of IFOS (Income From Other Sources) in the return statement.&nbsp;Talking about this tax, it is deducted at source by the bank or financial institution at the time the interest is credited and not when the FD matures. In the tax return, this TDS will be shown adjusted with the interest on FD in the IFOS head.If the interest income is less than Rs. 40,000 in an FY, (Rs. 50,000 in the case of senior citizens), No TDS will be deducted by the bank.&nbsp;If the earnings are more than the above-said limit, the bank will deduct 10% TDS and 20% if you don’t provide them with the PAN details.&nbsp;If your interest income from all FDs with a bank is not more than Rs 40,000 in a financial year, in this situation, the bank will not deduct any TDS. For Senior Citizens, the limit is Rs 50,000.

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<a href="https://zfunds.in/m/fixed-deposit">Fixed deposits</a> are a traditional way of investment. It is considered as one of the safest ways of investment. It offers a <a href="https://zfunds.in/m/fd-interest-rates">fixed rate of interest</a> and comes with a fixed tenure. Investors have the freedom to choose the tenure period as per their financial needs and goals. The interest rate for the FD varies with the tenure of the FD. The <a href="https://zfunds.in/m/fd-interest-rates">interest rate</a> is between 5.5% to 6.7% depending upon the chosen tenure.<a href="https://zfunds.in/m/post-office-fd-interest-rates">Post office FD</a> has an interest rate of 5.5% p.a. for the tenure of 1, 2, and 3 years. And 6.7% p.a. for the tenure of 5 years. The post office can double the investment in approximately 10 years and 8 months as per the current interest rates(assuming 6.7% for 5 year FD). But, the interest rates of the post office FD are revised periodically, so the tenure to double the investment in FD can also change.&nbsp;To know more about the post office FD, <a href="https://zfunds.in/m/post-office-fd-interest-rates">click here</a> to read our article. To know more about the FD, <a href="https://zfunds.in/m/fixed-deposit">click here</a> to read the article. You can also read our detailed article on FD vs Mutual funds. <a href="https://zfunds.in/m/fixed-deposit-vs-mutual-fund">Click here</a> to read the article.

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<a href="https://zfunds.in/m/fixed-deposit">Fixed deposit </a>is offered by the banks, post office, and NBFCs. These deposits offer a fixed rate of interest and are done for a fixed maturity tenure. These deposits are the traditional way of investing and are often considered as one of the low-risk investment options. Most of the banks offer an additional rate of interest for senior citizens.Some of the leading banks which offer the fixed deposit are <a href="https://zfunds.in/m/hdfc-bank-fd-interest-rates">HDFC bank</a>, <a href="https://zfunds.in/m/axis-bank-fd-interest-rates">Axis bank</a>, <a href="https://zfunds.in/m/bank-of-baroda-fd-interest-rates">Bank of Baroda</a>, <a href="https://zfunds.in/m/bank-of-india-fixed-deposit-interest-rates">Bank of India</a>, and many more. Not all banks could be considered safe for deposits as some banks with low credibility might default on interest or principal repayments. So, it is always advisable to make deposits only after analyzing the credit ratings of the bank.The <a href="https://zfunds.in/m/fd-interest-rates">FD interest rate</a> offered by some leading banks are:<ol><li><a href="https://zfunds.in/m/hdfc-bank-fd-interest-rates">HDFC bank fixed deposit</a> - 2.50% to 6.25%</li><li><a href="https://zfunds.in/m/hdfc-bank-fd-interest-rates">Axis bank fixed deposit</a> - 2.50% to 6.00%</li><li><a href="https://zfunds.in/m/bank-of-india-fixed-deposit-interest-rates">Bank of India fixed deposit</a> - 3.25% to 5.80%</li><li><a href="https://zfunds.in/m/post-office-time-deposit">Post office fixed deposit</a> - 5.50% to 6.70%</li><li><a href="https://zfunds.in/m/yes-bank-fd-rates">Yes bank Fixed deposit</a> - 3.50% to 7.50%</li></ol>All the leading or well-known banks could be considered good. The best way to select one from all is to compare the interest rates offered by them or another way is to open a fixed deposit account with the bank you have the saving account for your convenience.<a href="https://zfunds.in/m/fd-interest-rates">Click here</a> to read the full article on the FD interest rate and see the comparison table of the interest rate of all the banks.

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Fixed deposits are offered by banks, post offices, or other financial institutions. A fixed deposit gives the fixed rate of interest which is generally more than the typical savings bank account. It is a traditional way of investing as offering a fixed return on deposit with utmost safety. Fixed deposits also have a maturity period which can vary from 7 days to 10 years. An investor can choose the maturity period as per their goals.Every bank or financial institution that offers a fixed deposit has a different rate of interest. Some common and well-known bank that offers the fixed deposits are Axis Bank FD, Bank of Baroda FD, Yes bank FD, HDFC bank FD, and many other banks, post office &amp; other financial institutions.&nbsp;Some of the banks fixed deposit interest rate are mentioned below:<ol><li><a href="https://zfunds.in/m/hdfc-bank-fd-interest-rates">HDFC Bank FD Interest Rate</a> - 2.50% to 6.25% p.a.</li><li><a href="https://zfunds.in/m/axis-bank-fd-interest-rates">Axis Bank FD Interest Rate</a> - 2.50% to 6.00% p.a.</li><li><a href="https://zfunds.in/m/post-office-time-deposit">Post Office Time deposit</a> - 5.5% - 6.7% p.a.</li><li><a href="https://zfunds.in/m/bank-of-baroda-fd-interest-rates">Bank of Baroda FD Interest Rate</a> - 2.80% to 6.25% p.a.</li><li><a href="https://zfunds.in/m/yes-bank-fd-rates">Yes Bank FD Rates</a> - 3.50% to 7.50%</li><li><a href="https://zfunds.in/m/bank-of-india-fixed-deposit-interest-rates">Bank of India FD Interest Rate</a> - 3.25% to 6.05% p.a.</li></ol>Also, there are some low-rated banks &amp; institutions offering higher rate of interests on deposits which might default on their interest or principal repayments. So, it is important to research well on the credit ratings, credibility &amp; other factors of the institution before putting in your money.To know more about the fixed deposit or to know which type of fixed deposit is best for you, click here to view our video on the same. In this video, we have discussed the interest rates on FD, tax deduction benefits on FD, and many more features of the fixed deposit.

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<a href="https://zfunds.in/m/exchange-traded-funds-etfs">ETFs or Exchange-traded funds</a> are similar to mutual funds. However, unlike mutual funds, the ETFs trades on exchanges and can be purchased &amp; sold on the stock exchange. So, investors need to have a Demat account in order to invest in ETFs.&nbsp;ETFs are the basket of securities that pool the investment from different investors and further invest those assets in the stock market to generate returns for the investors. Compared to mutual funds, the expense ratio is low in ETFs but they incur additional transaction costs, brokerage charges, etc.There are different types of ETFs like Equity ETFs, Commodity ETFs, Currency ETFs, and many others.There are many ETFs available for every type and all of them are best as per their features and objectives. Some of the best known ETFs are:<ol><li>Nippon India ETF Gold Bees</li><li>SBI - ETF Nifty 50</li><li>Kotak Sensex ETF</li><li>HDFC Banking ETF</li></ol>If you do not have a Demat account, you can simply go for investing in index funds which invests in these ETFs.To know more about ETFs or Exchange-traded funds, <a href="https://zfunds.in/m/exchange-traded-funds-etfs">click here</a> to read our full article. In this article, you will find out what are ETFs, what are the different types of ETFs, the benefits of investing in ETFs, and many more.<a href="https://zfunds.in/m/etf-vs-mutual-funds">Click here</a> to know about the difference between ETFs and mutual funds.

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While investing, often investors wonder how much corpus they will be able to build after a certain tenure through investing a certain amount of money. This corpus amount depends on many factors such as the type of mutual funds, expected rate of return, whether the contribution is made monthly, fortnightly, or quarterly.&nbsp;So if an investor goes forward with investing Rs 1,000 every month for 5 years, the calculation now will depend on the expected rate of return. For better understanding, let us take different cases.&nbsp; Case 1: Rs. 1,000 is invested per month for 5 years in a good Balanced Advantage Fund and the expected rate of return is around 10%. Then the corpus at the end of 5 years will be Rs 78,082.Case 2: Rs. 1,000 is invested per month for 5 years in a Large or Flexi cap Fund and the expected rate of return is around 10-12%. Then the corpus at the end of 5 years will be Rs 82,486.Case 3: Rs. 1,000 is invested per month in a decent debt fund with high-quality securities for a similar time frame. The expected rate of return is around 6%. Then the corpus at the end of 5 years will be Rs 70,119.So as discussed, if the investor is aware of the expected rate of return, he can calculate the returns on his investment. To know how the returns are calculated on mutual funds, you may <a href="https://zfunds.in/m/how-to-calculate-mf-returns">click here </a>and read the article by ZFunds. Also, soon ZFunds will be coming up with their SIP Calculator to facilitate its user to do calculations easily.&nbsp;

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Lodha Developers Limited IPO reviewed in detail. It is one of the largest residential real estate developers in India. Its core business is in residential real estate developments with a focus on affordable &amp; mid-income housing. In 2019, it entered into the development of logistics and industrial parks. IPO subscription is open from 07th April 2021 to 09th April 2021. The total IPO size is approx Rs.2,500 crores and the price band is Rs.483 to Rs.486. The listing date for Macrotech Developers/ Lodha Developers is 22nd April 2021. To check the application/allotment status or to read our full article click on the given link: https://zfunds.in/m/macrotech-developers-ltd-ipo

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Macrotech Developers IPO 2021 | Lodha Developers IPO GMP | Hindi Review

Anupam Rasayan India IPO is open from 12th to 16th March 2021. The grey market premium (GMP) for Anupam Rasayan is Rs. 250/share. Anupam Rasayan was incorporated in 1984 and one of the leading companies engaged in the manufacturing of specialty chemicals and custom synthesis in India.It has two distinct business verticals: 1. Life science products related to specialty chemicals including products related to pharmaceuticals, agrochemicals, and personal care, and 2. Other specialty chemicals that comprise specialty pigment &amp; dyes, and polymer additives, etc. The company has 6 manufacturing facilities which are located in Gujarat. Four facilities are located in Sachin (Surat, Gujarat) and two in Jhagadia (Bharuch, Gujarat) which have an aggregated installed capacity of 23,438 MT as of 31st December 2020. The IPO size is approx 1.37 crores equity shares at a price band of Rs.553 to Rs.555 per equity share. The total issue size is Rs.760 crores. The minimum shares which should be applied for are 27 and the maximum is 351. The shares will be listed on 24th March 2021. To check the application status of Anupam Rasayan IPO, one may log on to the registrar’s website or BSE.&nbsp;

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Anupam Rasayan India Limited IPO 2021 | Anupam IPO GMP

Aaj hum Bharat bond etf ke bare me charcha karenge aur janenge ki iske kya fayede hai. Bharat bond ne kaun kaun si companies me invest kiya jayega aur iski strategy kya hogi&nbsp; &nbsp;Read in English:&nbsp;<a href="https://zfunds.in/article/bharat-bond-etf">What is Bharat Bond ETF: Meaning, Benefits, Price, Interest Rate, 2020 Review</a>&nbsp;

Aaj hum Bharat bond etf ke bare me charcha karenge aur janenge ki iske kya fayede hai. Bharat bond ne kaun kaun si companies me invest kiya jayega aur iski strategy kya hogi.  

Bharat Bond ETF - Explained - Video

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Bharat Bond ETF - Explained

Axis Bluechip Fund, ICICI Prudential Bluechip Fund, and Mirae Asset Large Cap Fund, the 3 top large-cap funds for 2021 are covered in this video. We have highlighted the major aspects of large-cap funds as under:1. Valuations - Price-to-book ratio and Price-to-earning ratio.&nbsp; 2. Returns: Since inception, 1 year, 5 years, and 7 years.&nbsp; 3. Sector allocation of these funds.&nbsp; 4. Comparison of AUM, expense ratio, and Exit loads.&nbsp; 5. Taxation on gains from the investments in these funds.Axis Bluechip Fund, ICICI Prudential Bluechip Fund, and Mirae Asset Large Cap Fund, the 3 top large-cap funds for 2021 are covered in this video. We have highlighted the major aspects of large-cap funds as under: 1. Valuations - Price-to-book ratio and Price-to-earning ratio. 2. Returns: Since inception, 1 year, 5 years, and 7 years. 3. Sector allocation of these funds. 4. Comparison of AUM, expense ratio, and Exit loads. 5. Taxation on gains from the investments in these funds. Returns on Axis Bluechip Fund – The fund has given returns of 20.60% and 13.05% for 1 year and since inception respectively. Returns on ICICI Prudential Bluechip Fund – The fund has given returns of 21.70% and 14.13% for 1 year and since inception respectively. Returns on Mirae Asset Large Cap Fund – The fund has given returns of 21.11% and 15.70% for 1 year and since inception respectively. These funds are not ranked in any particular order.

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Top Large-Cap Funds 2021 | Best Large Caps

As of 5th March 2020, the RBI has put a limit of Rs. 50,000 on the amount of money an account holder can withdraw. At the same time the Government has instructed SBI to lead a consortium to purchase a portion of Yes Bank. In this video we have discussed the reasons that caused Yes Bank to get to this situation. Also, we have covered what can be expected by various stake holders such as customers, shareholders and mutual fund holders.

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What is the problem with Yes Bank

LIC Bima Jyoti Plan or LIC plan 860 is a new LIC endowment plan from the Life Insurance Corporation of India. This is an endowment plan that is available for purchase online and through agents also. The LIC Bima Jyoti Policy can be purchased by an individual before the age of 60 years. The term of the policy is 15 to 20 years. However, the maximum age limit at maturity can be 75 years. The minimum sum assured on the LIC Bima Jyoti Policy is Rs. 1 lakh and above in multiples of Rs.25,000. Under this plan, Guaranteed Additions are accumulated at the rate of Rs.50 per Rs. 1000 of Basic Sum Assured at the end of each policy year throughout the policy term. The premiums on the LIC term insurance can only be paid through 4 options which are monthly, quarterly, half-yearly, and yearly. 5 Additional riders are optional which provides additional benefits at a higher premium. In case of survival of the policy term, the Basic sum assured along with guaranteed addition is paid to the policyholder and in case of death of the policyholder, the sum assured amount is paid to the nominee along with the guaranteed addition.&nbsp;LIC New Jeevan Anand Policy 2021 - https://www.youtube.com/watch?v=k1kjNsUVfOQ&nbsp;LIC Jeevan Labh Policy 2021 - https://www.youtube.com/watch?v=yaHG-gLrqpk

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LIC Bima Jyoti Policy | LIC Table No. 860 | New LIC Plan 2021 with Example

Very recently liquid funds gave negative returns. Liquid funds which are considered highly safe investment instruments losing value came as a bit of a shock for most investors and a lot of them could not understand why this was happening. In this video we have explained the main reasons for the fall in the NAVs of various liquid funds. These reasons included higher selling pressure on the bonds and deposit papers and lack of market makers and bond buyers. This illiquidity has caused the RBI to step in and take appropriate action. We have also tried to address queries like “are liquid funds not safe anymore?” and “What should I do if I am invested in a liquid fund?”

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Fall in Liquid Fund NAVs

UTI Smallcap Fund NFO is the fund offering in the small cap category from the oldest AMC in India – UTI Asset Management Company. The NFO for UTI Small cap fund is open for subscription from 2nd December 2020 to 16th December 2020. The fund will invest 65 to 80% of its assets in small cap companies and the balance will be invested in mid cap stocks. The UTI Smallcap fund will use a blended investment style with a tilt towards growth. The fund will focus on companies with high and stable growth opportunities. The fund will also consider companies which are going through a transformation or turnaround. There will be a sectoral restriction of 35% or 12% above the benchmark allocation, whichever is lower. Single stock allocation will be maximum at 9.5% and the allocation in the top 10 stocks will not exceed 50%. The minimum initial investment in the fund is Rs. 5000 with an additional investment permitted of Rs. 1,000. The exit load on the UTI Smallcap fund is 1% for units redeemed within 1 year and nil after 1 year.&nbsp; &nbsp;

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UTI Smallcap Fund 2021 | NFO Review

In this video we review the Bharat Bond ETF in Hindi. By the end of this video you will find the answer to the most important question “Should I invest in the Bharat Bond ETF?” What is Bharat bond ETF? In December 2019, the first exchange traded bond fund was launched in India. This was the Bharat Bond ETF. The second series of the Bharat Bond ETF is available for NFO from 14th July to 17th July 2020. This is very-low risk, fixed maturity fund and is being offered in 2 maturities. The fund maturing in April 2025 is offering an interest rate of 5.65% and the one maturing in April 2031 is offering an interest rate of 6.64%. The fund will invest its assets only in AAA-rated papers of public sector companies. The expense ratio on the Bharat Bond ETF is 0.0005%. In case an investor does not have a demat account they can apply for a Fund of Fund or the Bharat Bond FoF which has an expense ratio of 0.0015%. Bharat Bond ETF is a good and safe investment option for investors looking to invest in very low risk debt funds for a fixed period of time.

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Bharat Bond ETF Explained – In Hindi

In this video we will cover the basics of bonds. Bonds, which are a fixed income instrument, return a fixed amount of money as interest on your invested amount. Through the example of a fictitious company R&amp;S Ltd., we explain the primary features of a bond and how the bond market works. We have explained features such as face value of a bond, bond maturity and interest rate or coupon rate. We have also covered the main reasons that the prices of bonds fluctuate. The 2 main reasons for the movement in the prices of bonds are: 1. Credit Risk – The probability of a company defaulting or going bankrupt. If the credit risk (which is generally determined by the rating given by a rating company) of a company increases, the price of the bond is expected to fall. 2. Interest Rates – As the interest rates in general rise in the economy, the prices of bonds start to fall.

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The Basics Of Bonds – Explained

There have been numerous discussions on whether one must invest in mutual funds or stocks. In this video we explain both the methods and enumerate the differences and pros and cons of mutual funds vs equity investment. We have included arguments on various factors to be considered while deciding between stock and mutual funds. These include factors such as risk return trade-off, time &amp; research required, tax benefits, and costs/fees involved in both methods.

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Investing in Mutual Funds vs Equity

There has been a sharp fall in the interest rate for the small saving schemes, such as the senior citizen saving scheme, post office time deposits and public provident fund, for the quarter starting April 2020. This has made these schemes less attractive than before. In such a situation a lot of investors were exploring the option of investing in the 7.75% Government of India Bonds. Unfortunately, these bonds were discontinued on 28th May 2020. Starting 1st July, the Government has introduced a floating rate bond, also known as the RBI FRSB. These bonds offer regular half yearly interest to investors.&nbsp;These floating rate bonds come with certain disadvantages:&nbsp;1. The tenure is 7 years and they cannot be sold earlier.&nbsp; 2. The interest is taxable at the tax slab&nbsp;However, one major advantage of these new RBI Bonds is that the rate, which is pegged at 0.35% higher than the interest on National Savings Certificates (NSC) changes every 6 months. This is expected to move along with inflation, thereby maintaining a close to consistent real rate of return. The RBI Savings Bonds are a good option for certain categories of investors. For example, for retired individuals who are looking for a regular income, or for someone looking to invest in very safe instruments for long period of times.

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NEW RBI Bonds 2020 explained Hindi | July 2020

HSBC Global Equity Climate Change Fund of Fund NFO is open for subscription from the 03rd of March 2021 till the 17th of March 2021. The fund will be investing its assets in HSBC Global Investment Funds - Global Equity Climate Change (HGECC). Along with this, the fund may also invest its assets in money market instruments and units of other overnight or liquid mutual fund schemes to meet liquidity requirements.&nbsp;The fund aims to get benefit from the climate change themes:&nbsp; Renewable Energy&nbsp; Energy Efficiency&nbsp; Clean Transport &nbsp;Green Energy&nbsp; Sustainable Water or Wastewater Management&nbsp; Climate Change Adaptations&nbsp; Pollution and Waste Prevention &amp; Control&nbsp; Circular Economy and Resource Efficiency&nbsp; Natural Capital &amp; Ecosystems&nbsp;The minimum initial investment in the HSBC Global Equity Climate Change Fund of Fund is Rs. 5,000, while additional investments are permitted with Rs. 1,000. The fund carries an exit load of 1% on units redeemed within one year from the date of purchase. HSBC Global Equity Climate Change Fund of Fund is suitable for investors with a long-term horizon and with a higher than average risk appetite.

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HSBC Global Equity Climate Change Fund of Fund 2021/HSBC NFO

A lot of investors have the question, where can I invest to get a regular income? Is there any scheme where I can get a monthly interest on my investment?&nbsp;In this video we answer questions related to the Post Office Monthly Income Scheme.&nbsp;1. What is the Post Office Monthly Scheme? – This is a 5-year maturity fixed income scheme that makes a monthly interest payout to the investor.&nbsp; 2. How can I open a Monthly Income Scheme account? – Any resident individual or minor under 10 years can open this account. It can be opened in any post office branch. Can be opened as a single account or joint by 3 holders.&nbsp; 3. What is the minimum investment? The minimum investment amount is Rs. 1000. For single accounts the maximum limit is Rs. 4.5 lakhs and for joint accounts Rs. 9 lakhs. For a minor’s account the maximum limit is Rs. 3 lakhs.&nbsp; 4. Is my investment in a post office scheme safe? This account is backed by the Government of India and hence it is considered as one of the safest investment options.&nbsp; 5. Can I withdraw my amount before maturity? Yes, but with penalties. &nbsp;6. Is there any tax benefit in monthly income scheme? There is no deduction available u/s 80C. Interest income is taxable as per tax slab. 7. What is the interest rate on Post Office Monthly Income Scheme? For the quarter starting July 2020, the rate is 6.60% pa payable monthly. &nbsp;8. Should I invest in the monthly income scheme? This account is suitable for risk-averse investors seeking regular income.

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Post Office Monthly Income Scheme | Post Office MIS Scheme 2020-Hindi

Indigo Paints IPO is open from 20th to 22th January 2021. Indigo Paints started its business in 2000, with the manufacturing of lower-end cement paints. After some time, it expanded its range to cover more segments of water-based paints like Distempers, Primers, Exterior Emulsions, Interior Emulsions, etc. From an early stage, the company expanded its footprints across the country with its extensive distribution network. Indigo paints is the 5th largest company in the Indian Paint Industry as per the sales numbers for FY 2019-20. The company has expanded its business across the country with a distribution network in 27 states and 7 UTs. The IPO size is approx 79 lakh equity shares at a price band of Rs.1,488 to Rs.1,490 per equity share. The total issue size is Rs.1,176 crores, of which Rs.300 crores is a fresh issue, while the balance Rs.876 crores is an offer for sale. The minimum shares which should be applied for are 10 and the maximum is 130. The shares will be listed on 02nd February 2021. To check the application status of Indigo Paints IPO, one may log on to the registrar’s website or BSE.&nbsp; &nbsp;

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Indigo Paints IPO 2021 | Review in Hindi

In case you are a senior citizen or have a relative who is a senior citizen, this video is for you. In this video, we discuss one of the best investment products for the Senior Citizen Saving Scheme. Senior Citizen Saving Scheme video has been broadly divided into 4 parts. 1. Who can invest in this scheme? a. Any Indian citizen over the age of 60 b. Retired individuals over the age of 55 c. Retired defence personnel 2. Features of the scheme a. Account can be opened in any post-office or selected banks b. Joint accounts allowed c. Deposit – Min Rs. 1,000 &amp; Max Rs. 15,00,000 d. Tenure – 5 years with the option to extend 3 more years 3. Interest Rate – 7.40% for the quarter April 2020 payable quarterly 4. Taxation a. Rs. 1,50,000 can be deducted from taxable income under section 80C b. Interest income is taxed at the applicable tax rate c. TDS is deducted over Rs. 50,000 income We have also answered some frequently asked questions at the end of the video.

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Senior Citizen Saving Scheme in Hindi | SCSS Scheme- 2020

Aditya Birla Sun Life Multi-Cap Fund NFO reviewed in detail. The ABSL NFO is open from 19th April 2021 to 03rd May 2021. The fund has an investment objective to provide long-term capital growth by investing its assets in equity and equity-related securities through diversified research-based investments in Large-cap, Mid-cap, and Small-cap companies. The benchmark of the fund is Nifty 500 Multicap 50:25:25 TRI. The minimum application amount is Rs.500 and the minimum additional amount is Rs.500. You can also read our detailed article on the NFO. Link: https://zfunds.in/m/aditya-birla-sun-life-multicap-fund-nfo

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Aditya Birla Sun Life Multi-Cap Fund NFO 2021 | ABSL NFO 2021

ICICI Balanced Advantage Fund 2020 In this video we have done a review of the ICICI Prudential Balanced Advantage Fund is a hybrid dynamic asset allocation fund. The fund invests at least 65% of its funds in equities or equity related investments. The maximum limit on equity investments is 100%, with a maximum unhedged exposure in equities at 80%. ICICI Prudential Balanced Advantage Fund decides its allocation in equities based on the Price to Book Value Ratio (P/BV). If the P/BV is high the exposure in equities is reduced and vice-versa. The equity portion is invested in large and mid cap shares and also in equity derivatives for hedging purposes.&nbsp;Following are the facts and figures of the ICICI Balanced Advantage Fund:&nbsp; 1. The Assets Under Management (AUM) of the fund as on 31st March 2020 was Rs. 22,489 Crores. 2. The expense ratio was at 1.75%&nbsp; 3. NAV as on 31st March – Rs. 30.57&nbsp; 4. Minimum Investment permitted – Rs. 500&nbsp; 5. SIP/STP/SWP are allowed&nbsp; 6. Exit Load – 1% for units more than 10% in the first year. Nil after 1 year of purchase. The fund is taxed as an equity mutual fund.&nbsp;To know more about taxes on mutual funds, please watch https://www.youtube.com/watch?v=RZDlswFBbJE&amp;t=92s

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ICICI Balanced Advantage Fund 2020

Indian Railway Finance Corporation or IRFC IPO is open from 18th to 20th January 2021. IRFC incorporated in 1986, is a public sector undertaking that is wholly owned by the Government of India. IRFC is involved in financing the acquisitions of rolling stock assets, providing loans to units under the Ministry of Railways, and leasing of railway infrastructure-related assets. IRFC is responsible for fund raising from financial markets to acquire &amp; finance rolling stock assets like trucks, locomotives, coaches, wagons, etc., and leasing them to Indian Railways. It is also responsible for raising funds for improvements, expansion, and management of assets of Indian Railways.&nbsp;The IPO size is 178.20 Crores equity shares at a price band of Rs.25 to Rs.26 per equity share. The total issue size is Rs. 4,633.38 crores, of which Rs. 3,088.92 crores is a fresh issue, while the balance Rs. 1,544.46 crores is an offer for sale. The minimum shares which should be applied for are 575 and the maximum is 7,475. The shares will be listed on 29th January 2021. To check the application status of IRFC IPO, one may log on to the registrar’s website or BSE.&nbsp; &nbsp;

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Indian Railway Finance Corporation 2021 | IRFC IPO

In this video we cover 3 best tax saving ELSS funds for 2021 – DSP tax Saver Fund, Aditya Birla Sun Life Tax Relief 96 Fund and ICICI Prudential Long Term Equity Fund.&nbsp;We have also highlighted the advantages of investments in ELSS as under:&nbsp; 1. Tax deductions of Rs. 1.5 lakhs under section 80 of the Income Tax Act 1961 for saving Rs. 46,800 every year in taxes.&nbsp; 2. Lowest lock-in period in ELSS of only 3 years&nbsp; 3. ELSS have the highest expected returns amongst all tax saving options&nbsp; 4. Better tax treatment of ELSS funds give it a higher post-tax return advantage&nbsp; 5. Tax saving ELSS funds have a flexibility in terms of withdrawal option&nbsp; 6. One can opt to invest through SIPs in ELSS funds&nbsp;Returns of top 3 funds are as under:&nbsp; Rank #1: DSP Tax Saver Fund – The fund has given returns of 13.19% in the last 5 years&nbsp; Rank #2: Aditya Birla Sun Life Tax Relief 96 Fund – The fund has given returns of 11.18% in the last 5 years Rank&nbsp; #3: ICICI Prudential Long Term Equity Fund – The fund has given returns of 10.19% in the last 5 years.&nbsp; &nbsp;

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Top ELSS Funds for 2021

In this video, we have discussed the top 3 equity funds from SBI Mutual Funds to invest in for 2021: 1. SBI Focused Equity Fund&nbsp; 2. SBI Bluechip Fund&nbsp; 3. SBI Small-Cap Fund&nbsp;We have highlighted the major aspects of these equity funds as under:&nbsp; 1. Returns: Since inception, 1 year, 3 years, and 5 years&nbsp; 2. Sector allocation of the funds&nbsp; 3. Portfolio Allocation of the funds&nbsp; 4. Comparison of AUM, expense ratio, and Exit loads&nbsp; 5. Taxation on gains from the investments in the funds&nbsp;We have also answered some questions such as:&nbsp; 1. Which are the best SBI equity funds to invest in? &nbsp;2. What are focused funds, bluechip funds, and small-cap funds?&nbsp; 3. Features of the top 3 equity funds&nbsp; 4. Risk-return objective of top 3 equity funds&nbsp; 5. Which fund is best suitable for an investor?

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Top 3 SBI Equity Mutual Funds 2021 | SBI Focused Equity Fund | SBI Bluechip Fund | SBI Smallcap Fund

HDFC Small-cap fund was incepted in April 2008 and has generated a huge return of 13.80% since its inception. This HDFC mutual fund has a total AUM of Rs.10,033 crores as of 28th February 2021. The expense ratio for a regular fund is 2.08%. The fund NAV was at Rs.52.32 as of 28th February 2021 and has increased to Rs.53.47 as of 15th March 2021. The 1-year returns for HDFC Small-cap Fund are at 64.49%, while the 5-year returns are at 17.12%. The minimum investment amount in case of a lump sum is Rs.5,000 and Rs.1,000 for additional investment. For SIP investments the minimum amount is Rs.500. Taxes as per equities are applicable on gains on the fund. HDFC Small-cap Fund is suitable for investors who have a high-risk appetite and are looking to invest for the long term.

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HDFC Smallcap Fund 2021 | HDFC Mutual Fund Review in Hindi

Edelweiss Nifty PSU Bond Plus SDL Index Fund 2026 is a scheme launched by Edelweiss Mutual Funds. The NFO of the fund is open from the 10th of March 2021 till the 16th of March 2021. The fund will track or replicate the Nifty PSU Bond PLUS SDL April 2026 50:50 Index. It will be investing in a mix of PSU bonds and SDLs which are AAA rated and have their maturity on or before the maturity date of the fund i.e. 30th April 2026. Edelweiss Nifty PSU Bond Plus SDL Index Fund 2026 will invest in PSU Bonds &amp; State Government securities of companies like REC, PFC, IRFC, Powergrid, etc. The indicative index yield as of 25th February 2021 is 6.30%. The fund will have a fixed maturity on 30th April 2026. The minimum application amount is Rs. 5,000. The minimum Daily SIP amount is Rs.300. The fund charges an exit load of 0.15% of NAV if the units are redeemed within 30 days of purchase and NIL if units are redeemed after 30 days of purchase. The tax on Edelweiss Nifty PSU Bond Plus SDL Index Fund 2026 is as per non-equity. The fund is suitable for investors seeking investments in quality PSU and State Government Bonds of India.&nbsp; &nbsp;

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Edelweiss Nifty PSU Bond Plus SDL Index Fund | Safe Investment 2021

Kotak NASDAQ 100 FOF is a fund of funds scheme launched by Kotak Mutual Funds. The NFO of the fund is open from the 11th of January 2021 till the 25th of January 2021. This fund will be investing its assets in units of overseas ETFs and/or Index funds based on the NASDAQ 100 Index.&nbsp;Kotak NASDAQ 100 FoF offers exposure to the world’s most innovative &amp; largest companies not listed in India. It gives diversification benefits to investors because of the low correlation between the domestic &amp; US markets. The NASDAQ 100 Index is well known for its underlying technology stocks like Apple, Microsoft, Netflix, and many more which have been able to generate high returns for investors in the past. Kotak NASDAQ 100 FOF will closely replicate the returns generated by the NASDAQ 100 Index, subject to tracking errors. The minimum application amount is Rs. 5,000. Additional investments can be made with Rs. 1,000. For SIP investments, the minimum amount is Rs.1,000 with a minimum of 6 installments. No exit load is applicable on redemption of the units from the fund. The tax on Kotak NASDAQ 100 FOF is as per non-equity. The fund is suitable for investors seeking long-term capital growth through investments in units of overseas ETFs and/or Index funds based on the NASDAQ 100 Index.&nbsp; &nbsp;

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Kotak NASDAQ 100 FoF NFO 2021 | Review in Hindi 

In this video we have reviewed the Axis Midcap Fund 2020. The Axis Midcap Fund has been one of the most consistent performers till July 2020. The fund has a total AUM of Rs. 5,511 crores as on 30th June 2020. The expense ratio for a regular fund is 2.05%. The fund NAV was at Rs. 37.53. The fund was incepted in February 2011. It has delivered a return of 15.36% since inception. The 1 year returns for Axis Midcap Fund are at 10.61%, while the 5-year returns are at 7.30%. Minimum investment amount in case of a lumpsum is Rs. 5,000. For SIP investments the minimum amount is Rs. 500. There is no maximum limit on the investment. There is an exit load on redemption of units in the 1st year. The exit load is 1% for more than 10% of the units sold. There is no load on units sold after 1 year. Axis Midcap Fund is suitable for investors who have a high risk appetite and are looking to invest for the long term.

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Axis Midcap Fund Review 2020 in Hindi

Franklin Templeton shut down 6 of its debt funds on 23rd April 2020. 1. Franklin India Credit Risk Fund 2. Franklin India Dynamic Accrual Fund 3. Franklin Income Opportunities Fund 4. Franklin India Low Duration Fund 5. Franklin India Short Term Income Plan 6. Franklin Ultra Short Bond Fund This decision was triggered due to the recent liquidity pressure in the credit markets. The Covid-19 pandemic caused a lot of redemption in these risky and short duration funds. In order to meet the redemptions, the AMC had to resort to borrowings and desperate sale of assets. In order to avoid further redemption pressure which could have led to lower NAVs, the fund house decided to close these 6 funds. Closing the funds implies that new investors will not be able to purchase units, existing investors will not be able to redeem units, and all SIP/STP/SWP stand cancelled. The current investors will be paid by the fund as and when proceeds are received against interest or asset sale. Other than credit risk and liquidity risk which we saw in these funds, debt funds also sometimes carry interest rate risk and concentration risk. TO understand these risks and how to mitigate them, investors should watch our video on how to avoid risks in debt funds. https://www.youtube.com/watch?v=2-aF8qw3BRA&amp;t=31s

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Why did Franklin Templeton shut down its debt funds?

SBI small cap fund, Edelweiss small cap fund and Nippon India small cap fund, the 3 top small cap funds for 2021 are covered in this video.&nbsp;We have highlighted the major aspects of small-cap funds as under:&nbsp; 1. Valuations - Price-to-book ratio and Price-to-earning ratio.&nbsp; 2. Returns: Since inception, 1 year, 5 years, and 7 years.&nbsp; 3. Sector allocation of these funds.&nbsp; 4. Comparison of AUM, expense ratio, and Exit loads.&nbsp; 5. Taxation on gains from the investments in these funds.Returns on SBI small cap fund – The fund has given returns of 29.35% and 19.05% for 1 year and since inception respectively. Returns on Edelweiss small cap fund – The fund has given returns of 30.37% and 24.58% for 1 year and since inception respectively. Returns on Nippon India small cap fund – The fund has given returns of 23.70% and 17.05% for 1 year and since inception respectively. These funds are not ranked in any particular order.

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Top 3 Small Cap Funds 2021 | Best Small Cap

We have heard many a times that shares, or equity is one of the best long-term investment options. However, a number of us are unaware of what this equity or shares are. Due to this we shy away from investing in this asset class. By way of a simple example in this video we have tried to explain the concept of equity. Taking the example of a company, we have enumerated the advantages that both the company and the investor get when shares are issued by the company and are bought by the investor. We have also explained the advantages of investing by way of equity mutual funds.

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What are Shares

Mirae Asset large cap fund is one of the top large cap equity funds. In this vide we have reviewed the investment strategy and features of the fund. This is an active fund, which aims to invest a majority portion of its total corpus in shares of companies with large market capitalization., i.e. in companies that fall in the top 100 rank in terms of market capitalization.&nbsp;Some of the facts of the Mirae Asset Largecap Fund are as follows:&nbsp;1. Total Assets Under Management (AUM) on 30th September 2020 – Rs. 18,450 crores&nbsp; 2. Expense Ratio – 1.65%&nbsp; 3. NAV of Mirae Asset Large Cap Fund on 30th September 2020 – Rs.51.44&nbsp; 4. Returns on Mirae Asset Largecap Fund a. 6 Months – 29.24% b. 1 Year – 3.91% c. 3 Years – 9.95% d. 10 Years – 11.74%&nbsp; 5. Minimum investment (Lumpsum) – Rs. 5,000&nbsp; 6. Minimum investment (SIP) – Rs. 1000&nbsp; 7. Maximum investment – No Limit&nbsp; 8. Exit Load – 1% if sold within 1 year&nbsp; 9. Exit Load – Nil if sold after 1 year&nbsp;The gains from the Mirae Asset Largecap Fund is taxed like equity. If units are sold within 1 year the gains are taxed at 15%. In case of sale after 1 year, gains are taxed at 10%. For more details about taxes on mutual funds, you may watch https://www.youtube.com/watch?v=RZDlswFBbJE&amp;t=223s This fund is suitable for high-risk investors and looking to invest in shares of large cap companies.

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Mirae Asset Large Cap Fund 2020 | Review in Hindi

Direct mutual fund plans vs regular mutual fund plans has been a debate for a few years now. Direct mutual funds can save an investor from paying a higher expense ratio. But is that the only factor to consider while selecting a mutual fund. We are in discussion with Mr. Rahul Singh, the CIO-Equities at Tata Mutual Funds to get his views on this topic. We understand that a financial advisor or mutual fund distributor can play an important role in the financial decisions of an investor. An advisor can protect the investor from taking wrong or quick decisions in times of panic or euphoria. An advisor can ensure that the investor sticks to a disciplined investment process. There are several categories and funds available for investment. An advisor helps select the right mutual fund for the investor. Direct mutual funds are only suitable for investors who have complete market knowledge and also have the time to track and review their portfolios on a regular basis.&nbsp; &nbsp;

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Direct vs Regular Mutual Funds | Which is Better?

In this video we have explained the Post Office Recurring Deposit 2020 in Hindi. This is a Post office saving scheme.&nbsp;The following topics have been covered in the video:&nbsp; What is Post Office RD Plan 2020?&nbsp; How to open Post Office RD Account? What is the Post office RD scheme interest rate 2020?&nbsp; How a post office recurring deposit works?&nbsp; What is the rebate on advance in PO recurring deposit?&nbsp; What is the default penalty on PO recurring deposit?&nbsp; What is the minimum &amp; maximum permissible deposit in post office RD?&nbsp; What are the tax features in a Post Office RD?&nbsp; Is the deposit deductible under section 80C?&nbsp;We have also compared a Post Office RD with a Bank RD 2020 and discussed the pros &amp; cons of either.

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Post Office RD 2020 | Recurring Deposit

ABSL Pure Value Fund is an equity fund from Aditya Birla Mutual Funds. The investment strategy of the fund is to invest in undervalued stocks for long term capital appreciation.&nbsp;We highlight the facts of the ABSL Pure Value Fund as under:&nbsp; • Assets under management as on 30th September 2020 was Rs. 3,788 Crores&nbsp; • Expense ratio for the ABSL Pure Value fund was at 2.06%&nbsp; • NAV of the fund as on 30th September was at Rs. 44.41 • The fund returns for the last 1-year period has been at -0.71%&nbsp; • The fund returns for the last 10-year period has been at 9%&nbsp; • Minimum investment required in the fund is Rs. 1,000 in both SIP and lumpsum&nbsp; • Exit Load – 1% in case of redemptions within 1 year from purchase&nbsp; • Taxation – As per equities and equity mutual funds&nbsp;ABSL Pure Value Fund is suitable for investors with a high-risk profile seeking capital appreciation in the long run.

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ABSL Pure Value Fund 2020 | Review in Hindi 

Axis Bluechip Fund Hindi, 2020 – One of the best performing large cap mutual funds is the Axis Bluechip Fund. This is an active fund, which aims to invest a majority portion of its total corpus in shares of companies with a large market capitalization., i.e. in the top 100 in terms of market capitalization.&nbsp;Some of the facts of the Axis Bluechip Fund are as follows:&nbsp; 1. Total Assets Under Management (AUM) on 31st March 2020 – Rs. 17,827 crores&nbsp; 2. Expense Ratio – 1.70%&nbsp; 3. NAV of Axis Bluechip Fund on 30th September 2020 – Rs. 30.71&nbsp; 4. Returns on Axis Bluechip Fund a. 6 Months – 24.16% b. 1 Year - 0.68% c. 3 Years – 9.47% d. 10 Years – 9.84%&nbsp; 5. Minimum investment (Lumpsum) – Rs. 5,000&nbsp; 6. Minimum investment (SIP) – Rs. 1,000&nbsp; 7. Maximum investment – No Limit&nbsp; 8. Exit Load – 1% on first 10% units if sold within 1 year&nbsp; 9. Exit Load – Nil if sold after 1 year The gains from the Axis Bluechip Fund is taxed like equity.&nbsp;If units are sold within 1 year the gains are taxed at 15%. In case of sale after 1 year, gains are taxed at 10%. For more details about taxes on mutual funds, you may watch https://www.youtube.com/watch?v=RZDlswFBbJE&amp;t=223s This fund is suitable for an investor with a moderate risk profile and looking to invest in shares of large cap companies.

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Axis Bluechip Fund 2020 | Review in Hindi | Axis Bluechip Fund 2020

The markets have lost over 35% due to the coronavirus pandemic. World over there has been a lot of panic in stock markets. In such a scenario is it prudent to start or continue SIP investments in equity funds? In this video we have analysed returns from SIPs that may have been started during two previous major crashes in the Indian economy – The dot-com bubble in 2000-2001 and the US Financial crisis in 2008. The numbers show that the best time to start an SIP is probably somewhere during the crash, and it is not the best if someone can time the market bottom. For the 2000 crash, if the investor was to start his SIP when the market had lost 40% from the top, the investor would make 22% returns in 10 years. Similarly, an SIP started when the markets had fallen 20% from the top during the 2008 crash would have fetched the investor a return of 11.9% per year.

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Should I start a SIP during this crash

Suryoday Small Finance Bank IPO is open for subscription from 17th to 19th March 2021. Suryoday Small Finance Bank incorporated in 2008, is one of the leading small finance banks in India as per the return on assets, yields, net interest margins, and deposit growth. As per the CRISIL report, it had the lowest cost-to-income ratio in FY 2020. As of 31st July 2020, Suryoday Small Finance Bank has expanded its operations across 12 states &amp; UTs since its inception. The bank has a customer base of 14.3 lakhs and an employee base of 3,949 employees. It is operating 482 banking outlets which include 137 Unbanked Rural Centres. Their diversified distribution network comprises their phone banking, ATMs, tablet banking, Unified Payment Interface(UPI), mobile banking, and internet banking services. The IPO size is approx 1.90 crores equity shares at a price band of Rs.303 to Rs.305 per equity share. The total issue size is Rs.582 crores. The minimum shares which should be applied for are 49 and the maximum is 637. The shares will be listed on 30th March 2021. The grey market premium (GMP) for Suryoday Small Finance Bank is Rs. 30-40/share as of 15th March 2021. To check the application status of Suryoday Small Finance Bank IPO, one may log on to the registrar’s website or BSE.&nbsp;To read our full article on Suryoday Small Finance Bank IPO and check your application status click on the given link: https://zfunds.in/m/suryoday-small-finance-bank-limited-ipo.

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Suryoday Small Finance Bank 2021 | Suryoday IPO GMP

The Ministry of Finance has announced new rates on small savings schemes for the quarter April to June 2020. These rates have seen a major cut from their previous levels. Interest on some schemes such as the 1-3-year term deposit and the 5-year recurring deposit have been cut by 1.40% each. Even for Senior Citizen Savings Scheme the rate has been reduced by 1.20%. This would imply an interest income of Rs. 3,000 less per quarter on a deposit of Rs. 10 Lakhs. Unfortunately, this is coming at a time when the coronavirus pandemic is hitting people hard.The reason for this swift drop was the cut in the Repo rate by RBI and hence the drop in the yields of government securities. This caused a mismatch between interest rates of the bank FDs and the savings schemes.What should you do as an investor? If you are relying on the interest for your regular income, there isn’t much of an option as these are probably still amongst the best available rates. However, if you are invested in these schemes for diversification, you could look at hybrid or equity mutual funds.

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Fall in Small Savings Scheme Interest Rates

The first NFO of April 2021 is BNP Paribas Aqua Fund of Fund. In this video we have done a detailed review of the BNP Paribas mutual fund in Hindi. The BNP Paribas NFO is open from 16th April 2021. The fund has an investment objective to provide long-term capital growth by investing its&nbsp; assets in units of its underlying fund i.e. BNP Paribas Aqua (Lux). The benchmark of the fund is MSCI World Index TRI. The minimum application amount is Rs.5,000 and the minimum additional amount is Rs.1,000. You can also read our detailed article on the NFO. Link: https://zfunds.in/m/bnp-paribas-aqua-fund-of-fund-nfo

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BNP Paribas Aqua Fund of Fund NFO 2021 | Review in Hindi

UTI Mastershare Unit scheme is the oldest equity mutual fund plan in India. Launched in October 1986, this fund has given phenomenal returns in the 34 years since its inception. Rs. 1 lakh invested in the UTI mastershare Unit Scheme at the time of launch would have been worth over 1.3 crore rupees in the middle of November 2020. In this video we are joined by the fund manager for UTI mastershare fund, Ms. Swati Kulkarni. We discuss the philosophy and investment strategy of the fund and also about the returns generated by the funds. Ms. Kulkarni also speaks about the reach and network of UTI AMC in tier 2 &amp; 3 cities and B-30 towns.&nbsp;The fund facts for the UTI Mastershare Unit Scheme are as follows:&nbsp; - The fund has an AUM of Rs. 6472 Crores as on 31st October 2020&nbsp; - The expense ratio for the UTI mastershare fund is 2.05%&nbsp; - NAV as on 31st October 2020 was Rs. 126.97 - The minimum investment in the UTI Mastershare Unit Scheme is only Rs. 100&nbsp; &nbsp;

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UTI Mastershare Unit Scheme Review 2020 | In Hindi 

Aditya Birla Sun Life ESG fund NFO is open for subscription from the 4th of December 2020 till the 18th of December 2020. The new fund from Aditya Birla Sun Life Mutual Funds is expected to invest in ESG themed stocks for long-term capital appreciation. ESG which stands for E-Environmental Impact, S-Social Responsibility and G-Corporate Governance, is a method of Sustainable and Responsible Investing (SRI). This method takes into account composite ESG scores of the companies while investing. Aditya Birla Sun Life ESG Fund will invest 60 to 80% of its assets in large cap stocks and the balance in mid and small cap stocks. The fund can also invest in foreign equities; however, such investment is restricted to a maximum of 35% of the portfolio value. The benchmark for the fund is the Nifty 100 ESG Index. The minimum investment in the fund is Rs. 500. There is an exit load of 1% in case of redemptions within 90 days of purchase. The fund is suitable for investors seeking long-term capital appreciation while investing in ESG themed sustainable businesses.

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Aditya Birla Sun Life ESG Fund 2021 | NFO Reviewed

Mirae Asset mutual funds is launching its two NFOs i.e. Mirae Asset NYSE FANG+ ETF and Mirae Asset NYSE FANG+ ETF Fund of Fund. In this video, we have done a detailed review of both the NFOs in Hindi. Both will open for subscription from 19th April and ETF will close on 30th April and Fund of Fund will close on 03rd May. The benchmark of the ETF and fund is NYSE FANG+ Index TRI. The minimum application amount is Rs.5,000. You can also read our detailed article on the NFO. Link: https://zfunds.in/m/mirae-asset-nyse-fang-etf-fund-of-fund-nfo&nbsp;

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Mirae Asset NYSE FANG+ ETF NFO 2021 | Review in Hindi

In this video we review 2 of the best short-term debt funds, ICICI Short Term Debt Fund and HDFC Short Term Debt Fund. Both these funds are the best funds for short term needs. Short term debt funds invest in assets with maturities of up to 3 years, and in government securities (sovereign bonds) or high-quality corporate bonds. The credit risk on this category of debt mutual funds is usually very low.&nbsp;The comparisons of ICICI Short Term Debt Fund and HDFC Short Term Debt Fund are as given below:&nbsp; 1. Assets Under Management (AUM) - HDFC Rs. 13,569 Crores vs ICICI Rs. 18,946 Crores&nbsp; 2. Expense Ratios – HDFC 0.74% vs ICICI 1.16% 3.&nbsp; 3 Year Returns – HDFC 8.64% vs ICICI 7.93%&nbsp; 4. Net Yield to Maturity (YTM) – HDFC 5.48% vs ICICI 4.67%&nbsp; 5. Asset Quality (in AA or below) – HDFC 14% vs ICICI 15% 6. Modified Duration – HDFC 2.77 vs ICICI 2.79&nbsp; 7. Minimum Lumspsum investment – Rs. 5,000 in case of both funds&nbsp; 8. Minimum SIP investment – HDFC Rs. 500 vs ICICI Rs. 1,000&nbsp; 9. Tax on Gains – Short term capital gains as per tax bracket.&nbsp;Long term capital gains at 20% with benefit of indexation.&nbsp; &nbsp;

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Best Short Term Debt Fund 2020 | Short Term Plans

Often, we hear investors asking the question “Can I take a loan from a bank to invest in mutual funds?”. In this video we have listed the risks and advantages of taking a loan to invest in mutual funds. &nbsp;Investors must be careful of risks such as &nbsp;1. Inflow-Outflow mismatch – the returns from mutual funds are not linear or guaranteed. However, EMI’s need to be paid regularly. This causes a mismatch.2. Debt trap – The above-mentioned mismatch causes the investors to refinance their loan, hence falling into a debt trap. &nbsp; On the flip side, there are certain advantages of taking loans to invest such as leveraging. However, only under certain conditions is the idea of taking a loan to invest justified for seasoned investors.

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Loan to Invest in Mutual Funds

ICICI Prudential has introduced a well packaged product the Freedom SIP. In this video we explain to you the process of investment and withdrawal in the SIP. Along with this we have discussed the benefits of investing in a product like Freedom SIP. The ICICI Prudential Freedom SIP makes your investments more disciplined and helps you to save for future goals. Freedom SIP is a good product for financial independence.

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SIP Ka 3x Monthly Pension

LIC New Jeevan Anand Plan or LIC plan 915 is an endowment plan from the Life Insurance Corporation of India. This is an endowment plan that is available for purchase online and through agents also. The LIC New Jeevan Anand policy can be purchased by an individual between the age of 18 and 50. The term of the policy is 15 to 35 years. However, the maximum age limit is 75 years. The minimum sum assured on the LIC New Jeevan Anand plan is Rs. 1 lakh and above in multiples of Rs. 5,000. The policyholder can opt for a lump sum level sum assured at maturity or in installments of 5, 10, or 15 years. The premiums on the LIC term insurance can only be paid through the regular method as it is a regular premium payment policy. An accidental rider and 3 other riders are optional which provide additional benefits at a higher premium. In case of death of the policyholder, the sum assured amount is paid to the nominee in a lump sum or through regular payouts.&nbsp; &nbsp;

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LIC New Jeevan Anand Policy 2021 | LIC Plan No. 915

Public Provident Fund or PPF is a popular small saving scheme (post office saving scheme). In this video we have reviewed PPF in Hindi.&nbsp;PPF is a long-term investment scheme backed by the Government of India. It is offered by the banks and post offices in India. PPF comes with a fixed rate of interest which is revised quarterly by the finance minister and has a tenure or lock-in period of 15 years. To know more about the PPF, you can read our article. Link: https://zfunds.in/m/public-provident-fund-ppf&nbsp;

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Post Office Saving Scheme 2021 | Public Provident Fund | PPF April 2021

In this video we have reviewed the ICICI Prudential ESG Fund. The fund NFO is open for subscription from the 21st of September till the 5th of October. The ICICI Prudential ESG Fund will follow a sustainable investing or ESG investing strategy. Companies chosen for investment in the fund will be reviewed on non-financial parameters along with the financial and fundamental parameters. Each company will be given a composite ESG score on each of the parameters, i.e., Environmental Empathy, Social Responsibility and Corporate Governance. The stocks for inclusion in the fund will be selected form the Nifty 100 ESG Index, which includes top companies like Reliance Industries, HDFC Bank, Infosys, Asian paints, HUL, etc. The fund can also invest in foreign equities with a high ESG score. The Nifty 100 ESG index has generated a return of 9.30% vs a return of 7.80% for the Nifty 50 index over the previous 5 years.&nbsp;In this video we have also discussed:&nbsp; 1. Minimum Investment amounts in ICICI Prudential ESG Fund&nbsp; 2. Exit loads on ICICI Prudential ESG Fund&nbsp; 3. Applicable tax rates on ICICI Prudential ESG Fund&nbsp; 4. Suitability for investors of ICICI Prudential ESG Fund&nbsp; 5. Benefits of investing in ICICI Prudential ESG Fund&nbsp; &nbsp;

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ICICI Prudential ESG Fund NFO 2020 | Review in Hindi

One of the must haves in any mutual fund portfolio are large cap funds. Through an extensive research we bring for you the top 3 large cap funds 2020. These funds have been measured not only on their previous performance, but also forward-looking variables such as valuations and fund manager experience and strategies. The top 3 funds in the large cap funds space are: 1. Axis Bluechip Fund – With a fund size of Rs. 10,998 crores, this has been a consistent performer. Though the valuations seemed slightly stretched, the latest fall in the markets due to coronavirus have made the fund attractive again. 2. Mirae Asset Large Cap Fund – The fund was earlier categorized as a multi cap fund. It has been an outperformer since its inception. The fund has an asset base of Rs. 13,209 crores and an expense ratio of 1.65% which is the lowest amongst the top 3. 3. ICICI Prudential Bluechip Fund – Even though this Rs. 19,000 crore fund has not been a great performer, its attractive valuations bring it to our top 3

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Top Large Cap Mutual Funds 2020

In this video we share our list of top 3 midcap funds to invest in, in 2021.&nbsp; • DSP Midcap Fund&nbsp; • Edelweiss Midcap Fund&nbsp; • Nippon India Growth Fund&nbsp;DSP Midcap fund was incepted in November 2006 and has given returns of 15.06% since its launch. The AUM of the DSP midcap fund is Rs. 9815 crores and an expense ratio of 1.81%. Edelweiss Midcap fund was launched in December 2007 and has given a return of 10.76% since then. The AUM of the Edelweiss Midcap fund is Rs. 1061 crores and has an expense ratio of 2.21%. Nippon India Growth fund was incepted in October 1995 and has given returns of 21.91% since its launch. The AUM of the Nippon India Growth fund is Rs. 8154 crores and has an expense ratio of 1.97%.&nbsp;The gains on each of these funds is taxed as per equities.

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Top 3 Midcap Funds for 2021 | DSP Midcap | Edelweiss Midcap | Nippon India Growth

MTAR technologies Ltd IPO opens for subscription from the 3rd of March to the 5th of March 2021. The company was incorporated in 1999 in Hyderabad and has 7 state-of-the-art manufacturing facilities in the city. MTAR manufactures precision engineered components for organizations such as ISRO, DRDO, NPCIL, Rafael, etc. MTAR Technologies ltd had a revenue of Rs. 216 crores in 2019-20. The profit after tax for MTAR is more than Rs. 28 crore for the previous year. The price band for the MTAR IPO is fixed at Rs. 574-Rs.575. The issue size is for a total of 1.03 crore shares with a total value of approximately Rs. 600 crores. The issue is expected to be oversubscribed. Applicants can check the MTAR IPO application status on the website of the registrar or BSE. The listing date for the MTAR Technologies IPO has been fixed as 16th March 2021.

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MTAR Technologies IPO 2021 | MTAR IPO GMP

Zfunds brings to you the financial news highlights for the week of 26th April to 1st May. In the week gone by: 1. RBI has made a special liquidity facility announcement of Rs. 50,000 crores for mutual funds. A liquidity crunch in the financial system because of the Covid-19 pandemic caused high redemption pressures in the debt fund space. Franklin had to close down 6 of its mutual funds (see video here https://www.youtube.com/watch?v=Slcnl8Z9jl0&amp;t=80s). This triggered RBI to take prompt action. 2. Reliance Industries announced its rights issue of Rs. 53000 crores – the largest ever in India. The shares have been priced at Rs. 1257, to be offered in the ratio of 1:15. 3. Government of India plans to issue tax-free bonds worth Rs. 10,000 crores. This is in order to meet the fiscal slippage because of the lower tax revenues in March and April. 4. Oil prices globally have rebound from the negative territory to $18 in the current week. This bought some cheer as it indicates a possible return to economic activity. 5. Sensex &amp; Nifty closed at 33717 and 9859, respectively. This is a 14% monthly gain – the highest ever since May 2009.

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Financial News This Week - 26th March to 1st May

In this video, we have explained a popular post office saving scheme - the national saving certificate or NSC. This scheme is offered by the Government of India and offered by the Post Office. This scheme can be opened as a single account or a joint account with a maximum of 3 holders. This scheme comes with a fixed maturity of 5 years and currently has an interest rate of 6.80%. Interest earned from this scheme is taxable as per the income tax slab. Interest earned from the scheme is added into the deposited amount annually but paid at the time of maturity along with the deposited amount. The minimum amount of deposit in the scheme is Rs.1,000 and additional deposits can be done in the multiples of Rs.100. There is no maximum limit for the deposit in the scheme. The premature closure of an account is not allowed but it can be done under certain circumstances discussed in the video. This scheme has more benefits, like loan against the scheme, Tax deduction under section 80C of the IT Act, and many more. Rs.1,000 deposited in NSC after 5 years will grow to Rs.1,389.49. This scheme is suitable for investors who do not want to take risks and want to earn a fixed return as it is considered a very safe instrument for investment.

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