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How to Avail Interest free Home loan from Bank अगर आप घर बनाने के लिए home loan लेते हैं तो हम आप को एक ट्रिक बताने जा रहे है जिनके चलते आप होम लोन का Load कम कर सकते हैं और आप को अलग से बचत भी नहीं करना पड़ेगा । होम लोन अनुमानतः 15/20//25 साल के लिया जाता है । मान लीजिए आप 50 लाख का home loan लेते हैं और 15 साल में वापस करना चाहते हैं । मान लीजिए आप 8.50% के रेट से होम लोन लिए हैं । 15 साल में आप का कुल Interest होगा Rs 31,69,538 आप का EMI होगा 45390 और interest मिला कर कुल चुकता करेंगें Rs 81, 70, 000 के करीब । अब आप के लिए एक सुझाव है आप होम लोन को 20 साल के लिए लीजिए ऐसी हालत में आप की EMI कम तो हो जायेगी लेकिन INTEREST की रकम बढ़ जाएगी । (इसकी चिंता न करें आगे पढ़ें ) अगर आप लोन 20 साल के लिए लेते हैं तो आप को कुल इंटरेस्ट देना होगा Rs 42,28, 906 लेकिन EMI होगी Rs 38,454/- इस तरह दोनो EMI के बीच करीब Rs 6936 (45390-38454) -का अंतर हुआ । अब आप इस बचत Rs 6936 को 15 साल के लिए Mutual Fund में हर महीना SIP के जरिए इन्वेस्ट करना शुरू कीजिए । मान लीजिए कम से कम आप को 12% का ही ...

  How to   0   or Minimize Tax on LTCG   Earlier Tax on LTCG on sale of Equity (Share) or equity related MF (a MF which invests 65% or more in Equity)   was 10% and   Tax on LTCG on sale of Property like Flat, House , Gold , Land , Plant & Machinery etc was 20%   However in Recent Budget on the name of simplification of Tax govt introduced uniform Tax of 12.5% and   scrapping the Indexation benefit   (We will learn what is Indexation later)   , There was lots of uproar   on scrapping of Indexation so Govt   continued Indexation Benefit but with some condition.   Before we know how to save Tax on LTCG we should know what is LTCG at all Long Term Capital Gain or LTCG is gain that you receive on sale of your shares , or other fixed assets   for example let us imagine that you have purchased a Flat or land or house)   in 2000 at a price of 20 Lakh and now want to sale it for 1 crore so you have a pr...

Should you Invest in  Motilal Oswal Nifty India Defence Index Fund    NFO : Open Date: It is open now NFO : End Date: 24 th  June 2024 Motilal Oswal Nifty India Defence Index Fund : MOTILAL OSWAL ASSET MANAGEMENT COMPANY has come up with new Fund offer   namely  Motilal Oswal Nifty India Defence Index Fund NFO will close on 24 June 2024 In the recent past the shares of the aerospace & defense companies has witnessed very bullish   rally in the markets. PM Modi-led government at the Centre is focused on self-reliance (Atmanirbhar Bharat) in defence which is driving the sector`s meteoric rise. Initiatives like import curbs on defence equipment and a push for exports are creating opportunities for domestic companies. This is further supported by increasing foreign direct investments (FDI) in the sector. Defence Minister Sri   Rajnath Singh   also said that   the government has a target to export over Rs 50,000 crore wor...

  Have you taken various types of Insurance from various insurer companies and find it difficult to manage it  ?? your solution is  eInsurance .   What is eInsurance :   eInsurance account   is a digital account where all  your Insurance policies can be saved and kept in the digital form .   It means managing all your health insurance, life insurance, motor vehicle insurance, travel insurance, and other insurance policies digitally in a single account.   It is exactly like holding shares in a Demat account. The policyholders of an eInsurance account can access their all insurance portfolios in a single   clicks.   How Does It Work? Much like having depositories for Demat services, there are service providers who open an insurance repository to store insurance policies of individuals. The insurance policies of different insurers can also be stored in the same account. Each insurance company has repository partners w...

  Should you invest in SBI Multicap Fund NFO SBI mutual fund will shortly be in launching a New Fund Offer (NFO) for a multicap equity fund, SBI Multicap Equity Fund. The NFO launches on February 14 and closes on February 28, 2022 What are Multicap Funds? Multicap mutual funds  are diversified equity mutual fund schemes which invest across market cap segments i.e. LARGE CAP, MID CAP and SMALL CAP. Multicap funds are mix of above three caps. Multicap Funds are new concept , earlier there used to be   individual cap funds like Large Cap funds, or Mid cap Funds or Small Cap funds , but now SEBI has approved a new category of Fund called Multicap fund which is a mix of all three caps.   As per SEBI’s circular in September 2020, multicap funds must invest at least 25% of their assets in large cap stocks, at least 25% in midcap stocks and at least 25% in small cap stocks. Investors should note that multicap funds will have minimum 50% exposure to midcaps and small ca...

  How to get Rs. 1,30,000 (Rs. 1.30 Lakh )   monthly pension from NPS corpus ?? Assume you or your spouse are 35 years old and wish to get a monthly pension of Rs   1.30 Lakh or   Rs.50,000 after reaching the age of 60. In this case, you will have to deposit Rs 15,000 in this scheme on a monthly basis. You must put this money aside until you reach the age of 60. In this manner, you will have to deposit Rs 45 lakh in this scheme over a period of 25 years. Your maturity amount will be roughly Rs 2 crore when you reach the age of 60. With Rs. 2 crore in hand   @ age of 60,   you have 2 options : 1.      Invest full amount in purchase of Annuity , in that case you can get Rs. 1 Lakh per month life time as pension assuming 6% annuity purchase rate. 2.      Take back   60 percent of this , or around Rs 1.20 crore, in a single sum called commuted pension which is Tax Free, (and invest in Mutual Fund with SWP of ...

  How to make your wife rich and self reliant ?? Your wife would get Rs 45,000 every month as pension and a lumpsum of around   Rs. 60 Lakh for as little investment as Rs. 5000 pm. If you want your wife to become self-reliant so that in your absence there is a regular income in the house and in future, your wife does not depend on anyone for money, then you can arrange regular income for her today. For this you should invest in National Pension Scheme. Open new pension system account in the name of wife:  You can open a New Pension System (NPS) account in the name of your wife. The NPS account will give a lump sum amount to your wife on attaining the age of 60 years. Along with this, they will also have regular income in the form of pension every month. Not only this, with NPS account you can also decide how much pension your wife will get every month. With this, your wife will not depend on anyone for money after the age of 60. Let us know ...