You must have heard about ELSS Fund but if you have not heard and you want to invest in it, then this blog can be helpful for you because in this blog we have provided all the information related to ELSS Fund so that you can be clear that you should invest in it or not.


The full form of ELSS is :


Meaning of ELSS Fund

ELSS stands for Equity Linked Savings Scheme. ELSS Fund is similar to an ordinary equity mutual fund scheme.

The only difference is that ELSS has a lock-in of 3 years. This means that you cannot withdraw your investment before 3 years.

Also, you get a tax benefit of Rs 1.5 lakh under Section 80C of Income Tax every financial year for investing in ELSS Fund.

Who should invest in ELSS Fund

Any HUF or individual can invest in ELSS. It is more beneficial for those who know about it. Can take the risk associated with it and stay in the investment for a long time.

Younger age investors can invest for a long time in ELSS funds. You can be happy to see your fund grow compounded, and take advantage of its unpredictable returns.

ELSS Fund Lock-in Period

ELSS funds have the shortest lock-in period among all types of savings schemes covered under Section 80C of Income Tax.

ELSS mature in the shortest period i.e. 3 years. The investor can withdraw his money anytime after that.

If you invest in ELSS through SIP, then each installment of the SIP is considered as a new investment.

Many investors have a perception that ELSS funds have a lock-in of 3 years from the date of first investment; but it’s not like that.

Every SIP installment is a new investment.

for example-

  • If you invest in ELSS Fund on 15th February 2021 aditya birla tax relief 96 fund If I buy a unit through SIP, then that unit will be locked for the next 3 years i.e. till 15th February 2024.
  • Similarly, the unit purchased next month i.e. on 15th March 2021 will be locked till 15th March 2024.

ELSS Fund Calculator

There is a tool that displays your ELSS Fund returns. It depends on your scheme and investment method. Like you have invested in Lump sum or invested through SIP.

This can be calculated by entering the investment amount, tenure and expected return % in the ELSS SIP calculator. ELSS SIP Calculator

Tax Benefits: ELSS Fund Tax Benefits

In an ELSS or Equity Linked Savings Scheme, an individual or HUF can save up to Rs 1.5 lakh under section 80C of the Income Tax Act 1961.

This means that Rs 1.5 lakh deposited in ELSS is deducted from your annual total income. In this way you can save a substantial amount in the form of income tax.

ELSS Fund Redemption (Payment Process)

In fact, there are as many tax saving investment options as possible. ELSS Fund is the only option with the shortest lock-in period (only 3 years) among them.

After the lock-in period of 3 years, you can redeem it, or get paid.

Now if you want to know whether these ELSS can be redeemed even within 3 years? So my answer would be – not at all. Because ELSS funds do not allow to receive payment before 3 years.

It is recommended by financial experts to invest for 5 to 7 years to get good returns from ELSS.

Redeem in odd situation

In case of exceptional circumstances like death of the investor, the nominee or legal heir can sell the investment only after 1 year from the date of allotment of the unit.

We can understand this in this way that if the investor dies after 5 months of buying the unit, then the nominee will get the unit at the same time. But he will have to wait for 7 months to sell the unit.

All those units get transferred to the nominee, but he cannot sell them for 1 year.

In this way the lock-in period is reduced from 3 years to 1 year in the event of the death of the investor.

Which is better NPS or ELSS

Although the tax benefit in NPS is ₹2 lakh per annum, of which ₹1.5 lakh is available under section 80C and ₹50000 under section 80CCD(1)B.

The maturity period of NPS is when the investor attains the age of 60 years, whereas the maturity period of ELSS is only 3 years.

Over a long period of time, the risk in ELSS gets reduced, and the compounding policy also gives good returns.

Top 5 Best ELSS Fund in 2021

While choosing an ELSS fund, it should be reviewed on various parameters, only then one should be selected.

The decision should be taken based on the financial goals of an individual and his risk taking ability.

Here in the table below is a list of some of the best performing ELSS Funds, which have shown good returns over the years.




Mirae Asset Tax Saver Fund



Axis Long Term Equity Fund



Canara Robeco Equity Tax Saver Fund



Aditya Birla Sun Life Tax Relief 96 Fund



Motilal Oswal Long Term Equity Fund



Important notice- The figures in the above list are for your information only. Investors are advised to invest only after collecting the necessary information from their level before investing, considering their financial goals, risk appetite and returns.

Is ELSS safe: Is investing in ELSS funds safe?

If your objective is only to save tax then it is advisable not to invest in ELSS as ELSS is actually a part of equity scheme.

So one should always keep in mind that equity schemes can be risky. However, with the shortest lock-in period as well as tax savings and long-term investment, this fund can deliver much higher returns than other savings schemes.

While choosing an ELSS, one should invest only after considering its risk, lock in period and returns of previous years.

I believe this post ELSS Fund What (What is ELSS Fund in Hindi) You would have liked

Many investment options are available in today’s time like stocks, mutual funds etc. Among them, SIP is also an investment plan where you get very good profits, then if you do not know about SIP and you want all the information related to it, then this blog Must read till the end because in this blog we have given all the information related to SIP so that you will be able to decide whether you should invest in it or not.

What is SIP in English: What is SIP

SIP is a very easy way to invest in mutual funds. In this, you can save for a bigger goal by investing a fixed amount every month or at a fixed interval of your own.

sip With that small amount invested, you can get a huge amount in the long run. Through SIP, the investor has to invest a certain amount in Mutual Fund or Gold ETF etc. for a fixed period.

Investing through SIP is a very simple and better solution for those people who do not have much knowledge about investing in the stock market.

Meaning of SIP

SIP stands for Systematic Investment Plan or Systematic Investment Plan. This is the most popular way to invest in Mutual Funds systematically.

A large middle class section of the society keeps a part of its income in the form of savings; So that he can get financial security in future. Some people keep their savings in the bank. Some people who can take the risk also invest in the stock market.

Saving is considered right only when you invest it at the right place. Money invested in the right place also grows over time; And also protects your future.

Systematic investment planning is one such approach in today’s time; Which can give good return on your invested amount.

How SIP or SIP works

Under SIP, you invest a fixed amount of money in mutual funds continuously every month or at a fixed interval. Under this, you deposit a specified amount in a mutual fund of your choice at fixed intervals.

When investing through SIP, your bank account is linked with the scheme of mutual funds; And on the scheduled date of every month, money is transferred from your bank account to the MF Scheme.

So it is an automated way of investing. This inculcates your investing habit; And you don’t have to think about it again and again.

for example If you start investing ₹1000 in a SIP scheme; So every month ₹ 1000 will be deducted from your bank account; And will be invested in the scheme of mutual fund chosen by you.

In SIP you invest a fixed amount on a continuous basis; This reduces the risk of your investment in the long run.

Benefits of SIP or Benefits of SIP (SIP Benefits in Hindi)

Well, there are many benefits of SIP; Such as ease of investment, tax exemption etc.; But apart from these there are some other benefits as well. Let us know what are the benefits of SIP.

#1. small amount investment (Small Saving)

We know that it involves investing a fixed amount regularly at stipulated intervals. Therefore, it is very easy to get a small amount out of your daily expenses for investment.

You can get a large amount by investing small amount for a long period of time at fixed intervals. You can start investing in SIP from ₹500; Which can provide you good returns in the long term.

#2. Easy to Invest

sip Investing through this is very simple. For this, once you have selected your plan, on the specified date, the mutual fund company withdraws that amount from your account and deposits it in your chosen plan.

Your bank account is linked to the account under your SIP scheme.

for example If you plan to invest ₹500 every month; So every month that money is transferred from your bank account to the SIP account. Unit purchases are made with those rupees; Which will benefit you in future.

Thus, through SIP, you can easily make your investment without any hassle.

#3. risk reduction (Low Risk)

The biggest advantage of SIP is that the risk involved is very low.

for example You have ₹ 50000 to invest in the stock market. Now if you put those money together in the stock market; In such a situation, you do not know whether the market will go up or down the very next day. In this way your move will be very risky.

Now if the same investment is done by dividing it in small intervals, then the risk is reduced.

By depositing this ₹ 50000 through 50 installments of ₹ 1000, we can save ourselves from the loss of stock market volatility.

Thus SIP saves us from losses due to stock market fluctuations by not putting a large amount together and investing through small amount.

#4. Tax Rebate

When you invest through SIP; So you do not get any kind of tax on investing the capital or withdrawing that amount.

Schemes like ELSS which provide tax exemption. They have a lock-in period; By investing in such equity schemes for 3 years, you can get tax exemption under section 80C of Income Tax.

#5. Disciplined Investment

According to your SIP, a small amount is regularly withdrawn from your account and invested in mutual funds. This creates a system of discipline in your investing process. This saving discipline always encourages you; And you get into the habit of saving.

#6. Power of Compounding

Compounding means compounding. Compounding means getting interest on the interest of the money invested by you.

Whenever investment is made in SIP; the return on the amount invested; It is reinvested; Due to which the profit of the investor increases and his returns increase.

#7. Advance Liquidity

Most of the mutual fund schemes do not have any lock-in period. Investors can decide whether to continue or stop investing in SIP according to their need and goal. In this, the investor gets the facility of advanced liquidity along with good returns.

Some schemes like ELSS funds which have a lock in period of 3 years. Barring such a scheme, most of the schemes are like this; In which the investor can continue the SIP investment for a long time as per his need; or decide to close at any time.

#8. Rupee Cost Averaging

By investing through Systematic Investment Plan, you remain free from the fluctuations of the market. It is automatically invested at fixed intervals every month through SIP.

When there is a recession in the stock market, you get more units of Mutual Fund. When the same market is strong, you get fewer units.

Thus, in the long run, the average price of your mutual fund units is not affected by the volatility of the stock market.

If you want to know about Exchange Traded Funds then you are at the right place. In this blog you will be given all the information related to Exchange Traded Funds so that you will be able to decide whether you should invest in it or not.

Exchange Traded Fund

In fact, ETFs are a type of mutual fund.

It is called ETF or Exchange Traded Fund because it also trades like other stocks on NSE or BSE.

These can be bought and sold in the stock market in the same way as shares of a company are bought and sold.

In short, we can say that such mutual fund schemes that trade in the stock market are called ETFs.

What is ETF

Exchange Traded Funds are those funds which you can buy from stock exchanges like BSE or NSE etc.

These are similar to index funds of mutual funds.

You can buy index funds from a mutual fund company; But ETFs can be bought only from stock exchanges.

For example if you are buying SBI Long Term Fund; So buy from SBI’s AMC. But you can buy ETFs from the exchange itself.

This means buying ETFs is similar to buying shares.

ETFs are similar to index funds.

You buy and sell units of an index fund from a mutual fund house. But you can buy or sell ETFs only on the stock exchange.

Buying or selling of ETFs depends on the availability of the buyer or seller in the stock market.

To buy or sell ETFs, you need a demat account. Brokerage charges have to be paid on its sale like mutual funds.

Types of ETF 

There are many types of ETFs available in India. In which equity, debt or gold ETFs are seen.

Let us now know a little more about them as well.

Equity ETFs

You can buy Nifty 50 through ETFs. Nifty 50 contains the names of top 50 companies of India.

Just as the Nifty 50 will increase, so will your ETF returns.

Their expense ratio ranges from 0.05 to 0.01%.

Bond And Debt types of etfs

Their expense ratio ranges from 0.25% to 0.6%.

Gold ETF

You can also invest in gold through ETFs. Just as the price of gold will increase, in the same way the price of its ETF will also increase; And you can get good returns.

Their expense ratio ranges from 1% to 1.5%.


Gold ETFs are available from most of the popular fund houses. in which

Global Indices

One can also invest in big companies like American company like Google, Facebook, Apple through ETF. like-

  • NASDAQ 100
  • Dow Jones
  • Euro Stoxx 50 etc.

That’s why we can say that ETFs are a great option to invest in the stock market.

Whether you want to invest in Sensex, invest in Nifty or Gold, or invest in top foreign company.

You can get good returns by investing through ETFs.

Benefits of ETF

#1 ETFs have very low expense ratios, yet they are not that popular in India right now.

As the interest of the people in India increases, its expense ratio will also keep decreasing in future.

#2 One of its benefits is that no individual can invest in government securities; Whereas one can also invest in it through ETFs.

#3 Managing them does not require a large team of fund experts, as ETFs follow an index.

Therefore, the fund management fee is very less in this.

#4 Like a share in the stock market, you can buy or sell it anytime during any working day of the market. Hence good liquidity is found in it.

#5 If you have selected any index or commodity for investment; So you can easily choose the best ETF. Because ETFs also follow one or the other index.

Disadvantages of ETF 

1- Active Management Funds are well managed; Because investing is done by selecting a group of several stocks; Which gives good returns.

ETFs are called passive management funds. Therefore, they give relatively low returns.

2- ETFs are less popular right now in a country like India. So there are some ETFs that you may have to wait for a few days to sell.

Because you will sell only when there is a buyer available in the market.

Still, we can say that as its popularity increases, this problem will also decrease.

3- There are not many ETF options available in India as compared to developed countries.

where do you invest your money

Being a passive management fund, it follows the index itself and the fund is formed from it. for example-

  • Indian Indices like Nifty 50, Sensex etc.
  • Foreign Indexes like Nasdaq
  • Gold and
  • In industry sector like Pharma Sector, IT Sector etc.

How to Identify a Category of ETFs

By clicking on the ETF about which detailed information is needed, you can check their performance etc.

exchange traded fund

You can guess by looking at the list.

Based on the name of the ETF, you can know what type of fund it is.

For example, by the name of Birla sun life gold ETF, it can be known that it belongs to Birla Company; And follows the Gold Index.

In this way, we can know that the gold ETF which is written at the end follows the gold index.

Similarly, some ETFs are listed as Nifty, Nifty Junior or Nasdaq.

Based on that, we can know what this ETF is related to.

What is the fundamental difference between Mutual Funds and ETFs

In fact, ETFs are a type of mutual fund.

The fundamental difference between mutual funds and ETFs is that ETFs can be bought and sold just like stocks. Whereas other mutual funds cannot buy or sell the scheme directly from the stock market.

We buy mutual fund schemes from a mutual fund company; And redeem the unit with him or receive the payment.

Whereas ETFs are traded in the stock market; And you can buy or sell it in the stock market itself.

Just as each share has a value of its own; Similarly, ETFs also have a fixed price.

When the market opens, its price is fixed according to its demand and supply.

You can buy ETF from the stock market in real time i.e. at that time price at any time.

Whereas the unit price of a mutual fund is decided in the evening after the market closes.

This way, depending on your financial goals and risk appetite, you can get good returns by investing in ETFs.


How to Invest in ETFs

As you know, ETFs are traded in the stock market and can be bought or sold from there.

For this you need to have a demat/trading account. Without this you will not be able to invest in it.

If you do not have a demat account; so you Zerodha You can start investing immediately by opening your account online sitting at home from a platform like

Zerodha Click or tap here to open Demat account from

You can easily operate Demat account in any mobile or computer.

How are ETFs Taxed?

Investments made in equity ETFs for more than 1 year are considered as long term investments.

Long term capital gains above Rs 1 lakh in a financial year attract 10% tax. There is no tax on LTCG less than 1 lakh.

Investments made for less than 1 year are considered as short term investments. Short term capital gains are taxed at 15%.

E-KYC has become very important in today’s time like if you want to open your bank account then you need ekyc for that, or if you want to get pan card then ekyc is required. So we can say that doing ekyc helps you in many things.

In this blog we are going to talk about ekyc, what is ekyc and how to get it done etc. so that you can get help to get ekyc done.

What is KYC

The full form of KYC is- Know Your Customer. It simply means- Know your customer.

It is a process in which a financial or other institution obtains information about the identity of its customer, his address or his age, date of birth, etc.

He also verifies these information through statutory certificates. This process of identifying the customer is called KYC.

What is eKYC

e-KYC Means : Electronic Know Your Customer

It can be understood in this way that the process of authenticating your customer’s identity in a digital or electronic way is called e-KYC.

In this, the process of customer identification is accomplished with the help of digital or electronic devices instead of paper certificates.

e-KYC Aadhar card based is a paperless process, What you must do before investing in mutual funds, Otherwise you will not be able to invest in mutual funds.

For investing in mutual funds e-KYC process of

Before investing in mutual funds, you have to complete the KYC process. You can do this either offline or online.

If you want to know about Mutual Funds then detailed information about it what is mutual fund, and how to invest in, is told through the article.

You can do e-KYC for investing in mutual funds from the website of CAMS Kra or iciciprudential. But while doing KYC with CAMS Kra, there is a restriction that you have to invest in any fund at the same time.

These restrictions are not comfortable for a new investor.

So today we will understand the process of e-KYC from ICICI Mutual Fund website; Because it does not require investment along with doing KYC.

Online e-KYC Required forms to be kept ready for

  1. mobile number
  2. E mail ID
  3. Mobile or laptop computer with camera for taking photos
  4. PAN card scanned image
  5. Scanned image of front and back of Aadhar card

E-KYC process steps

  1. In your mobile or computer browser, type- ICICIPRUAMC.COM/ONLINE-KYC


  1. When the online KYC page opens, first type your name.
  2. Enter E-mail ID, OTP comes on this E-mail ID.
  3. Enter your PAN number.
  4. Enter your 10 digit mobile number.
  5. Tick ​​the check box, and then click or type the Get OTP mark.


  1. Click on Choose File to upload ID Proof like PAN Card. And upload the already scanned image.
  2. As soon as the PAN is uploaded, the photo and its details will appear, which you should check carefully. If the information is correct, go to Next.
  3. Upload the front and back images of the Aadhar card for proof of address as per the procedure given above.
  4. Check Aadhar card details if it needs some correction; So you can correct that too.

Process of e-KYC continue

  1. Tick ​​the box for Term & Condition and go to the next step.
  2. All your information will be displayed on the next page; Check it out carefully.
  3. Select some other information like Address Type (Residential / Business) etc. and Annual Income etc., and proceed further.
  4. In the next step, select the details of Fatca etc. and go to the next step.
  5. Upload the scanned image of your signature on plain paper; And tick on Term & Condition.
  6. In the last step of e-KYC you have to upload your photo and video; For which click on face image. After clicking the photo a number will be displayed on the screen; Who has to speak in front of the camera. Thus this step is completed and a thank you message is received.
  7. After completing this process of e-KYC KYC Form Screen A page of . From where the link of Normal e-sign or Aadhar e-sign appears. In which you can complete this process through OTP by entering the details of Aadhaar.

How e-KYC is more simple and useful

  1. In online KYC, the entire process is completed in a very short time; Whereas the offline process sometimes takes 2 to 4 weeks.
  2. You do not need to collect paper certificates for e-KYC. This makes it easy for the customers as well as the service provider company. It works only with Aadhar card.
  3. Normally collecting a lot of records in KYC leads to unnecessary expenditure of money; Whereas in e-KYC this process is completed without any extra cost.
  4. We do not have to manually fill in the information because of the autofill feature; Which takes less time. Autofill also prevents type errors; Because all the information is taken automatically.

Google adsense as we know is considered to be a much better way of monetization but for some reason if your website is not getting approval of Google Adsense then you do not need to panic.

Because in this blog you will be told the best alternatives of Google Adsense, so that you will be able to earn good, although it will not be better than Google Adsense but will not be less than that so by definition you can use them.

Ad Networks to be used with Google AdSense

To double the earning of your blog, you can approve the best program for yourself in the blog from the ad network given below and do it with Adsense. use can do. If Google AdSense is approved in your blog, then you can use these ad networks and can use it as an alternative to Adsense even if there is no AdSense approval. is the second largest ad network after Google AdSense. This Yahoo! There is a contextual network created by Bing, which provides service to a large extent like AdSense. Forbes, CNN, ELLE, MSN Like popular websites also use ads.

You can also use ads in your blog along with AdSense. First of all you have to get approval of in your blog and it is only Gives approval only on English language blog. If you have a Hindi blog, then you will not get approval in it.

Payout: $100 (Paypal/ Wire)


If there is a lot of traffic on your blog, then I would recommend you with Adsense. BuySellAds use to. Other ad networks pay you on the basis of CPC or CPM, but here you get money for direct advertising.

Getting approval of BuySellAds is even more difficult than Google Adsense. If you have more visitors on your blog then you get quick approval here and you can earn more than Adsense by this.

Payout: $20 (Paypal), $50 (Check), $500 (Wire Transfer)


Infolinks is also a great option to use with Adsense. Infolinks is a text link ad program and is known for its smart ads. It is very easy to get approval and setup your ads in this. Once setup, Infolinks will automatically start showing ads on your blog.

Infolinks shows you InText, InTag, InFrame ads. By scanning your content in InText ads, match ad shows above the most valuable keywords. InFrame ad shows on the empty space in the left and right side of your blog.

If your blog has good traffic, especially from countries like US and UK, then you can earn well from Infolinks.

Payout: $50 (Paypal, Wire, eCheck)


Chitika is also a contextual ad network like Adsense, meaning it shows ads according to the content of your site. Chitika is a very popular ad network that shows you high-quality ads even in low traffic. You can also use it with Adsense.

Getting approval on Chitika is very easy even for a new blogger. Here also you can create ad units of different size like Adsense, apart from this you can also use Intext ads, Hover ads and highlight ads.

Payout: $50 (Payoneer)


AdNow is a good option by which you can earn money by using it with Adsense. It provides native ads in your blog, due to which you earn well. Its approval process is very simple and other regional language blogs can also join this ad network.

If you are a new blogger and your blog does not have much traffic, you can still use this network. It is quite simple to use and the best is its payment system. You can withdraw payment from it every 7 days after crossing the payment threshold.

Payout: $20 (Paypal, Payoneer, Wire Transfer)

Note: If you also use other ad networks with google adsense, then users do not get a good experience due to which your adsense account can be suspended.

After taking adsense approval, you have to create ad units in your website and put them in the blog i.e. it is up to your belief that where more clicks can come in your website, then in this blog you will be told that you How to create ad units for your website and put them on your blog.

how to create adsense ad unit

If you are a beginner then you can generate Adsense Ad unit by following the steps given below.

1. First of all sign in to your AdSense account.

2. Now from the menu which is in the left panel, “My AdsClick on ” and from the option which will come below it”Ad UnitsClick on “.

3. Here you+ New Ad UnitClick on the button of “.

4. After that 3 options will come in front of you like the screenshot given below, from here you have to select what kind of ad you want to put in your blog.

As a new user, from here you Text & display ads To SELECT To do.

Text & Display ads

5. Now a new page will open in front of you where you can configure the Ad unit for your blog.

* Name Inside you can give any name of Ad unit like oyepandeyji sidebar unit.

* Ad size You can listen to which Dimension (Length & Breadth) Ad you want to put on your blog.
Here Recommended By clicking on the drop down menu, you can create any size in the Ad unit such as Horizontal banner, Vertical banner, Rectgular, Responsive, Custom size and Link ads.

If you do not know about these ad sizes then Responsive Select the ad size which is the default.

Responsive ad gets adjusted according to the amount of space available in your blog and such ads are also mobile friendly.

Create Ad Unit

* Ad type Under the drop down menu, you will find 3 types of ad types,
– Text & display ads
– Display ads only
– Text ads only

here i would recommend you Text & display ads Choose this one, because in this way you get more CPC from ads and can earn more.

* Text ad style In the option of, you can customize the background color and text color of the ads according to your blog template, so that your ads can get more clicks.

* After customizing all the options “Save and Get CodeClick on the button of “.

6. Now the code of the Ad unit will be displayed in front of you and you can enter this code copy do it.

You can show advertisements by pasting the copied ad code in your blog or website.

how to put ads in blogger blog

Mainly advertisement is placed inside the header, sidebar and article of a blog. If you have bloh on Blogspot and you want to place ad. So you can place Ad on your blog by following the steps given below.

  • Login to your Blogger Dashboard.
  • from here you Layout got into.
  • Where you want to place the ad, such as in the sidebar or in the header, then given there “Add a Gadget” Click on
  • Now the popup that will open in front of you, from there you can HTML/JavaScript Click on the option.
  • Here paste the code of the copied ad unit in the content box and SAVE Click on the button.
  • Finally Save arrangement Click on the button.
Blogger Blog Me Ads Kaise Lagaye

It takes some time to activate the Ad unit, that is why you open your blog after 15-20 minutes, advertisement will be displayed in your blog.

If you want to show ads inside the article of your blog, then you have to open every post and add it to your post. HTML You have to manually place the ad unit code by going to the section.

In this blog, we are going to know about ULIP, whether you should invest in ULIP or not, what can be its advantages, what can be the disadvantages etc. You will get to know all the information related to this blog.

Fill out a ULIP form

The full form of ULIP is

U – unit


I- Investments

Plan P

Meaning of ULIP

ULIP (Unit Linked Insurance Plan) is a product of market linked investment. Also it is an insurance policy.

So it is a mix of insurance and investment that insurance companies bring to you.

It was first launched by the Unit Trust of India (UTI).

We can say that ULIPs are Insurance + Investment products.

How does ULIP work?

When you pay any one premium of the ULIP; Then a part of it is invested for insurance coverage and a part of the premium of the policy is invested in equity or debt funds.

ULIPs have a lock-in period of 5 years. This means that normally you cannot redeem it before 5 years.

Depending on the risk appetite of the customers, the facility to invest in large, mid, small cap, debt or balance funds is available.

You can also switch it between different funds.

There are two types of time duration in ULIPs.

premium term

It means for how long you want to pay your premium.

term of premium single premium That is, you can invest in one go.

Second fixed period For example, premiums can be deposited for 5, 7 or 10 years.

The third option is that you can deposit the premium at fixed intervals like monthly, quarterly, half-yearly or yearly.

policy term

The policy term of your ULIP can be from 5 to 30 years.

It is worth noting that the longer the premium payment period, the higher the premium amount.

This happens because the insurance company is giving you more time to pay the premium.

What are the tax provisions on ULIPs?

It is an EEE (Exempt, Exempt, Exempt) Exempt, Exempt, Exempt type product.

By investing in ULIP, tax exemption can be availed under section 80C of Income Tax on annual investment of up to 1.5 lakhs.

ULIP It is also exempted from taxation under LTCG (Long Term Capital Gains).

Tax exemption is also available on the payment received on its maturity.

ULIP charges

There are various types of charges in ULIPs. Let us now know about the charges of ULIP.

premium allocation charge

It is a part or percentage of the premium.

Policy Administration Charges

This charge is levied for the maintenance of the policy etc.

It is taken as a percentage; Or it can also be taken in flat form.

mortality charge

It depends on the health and age of the investor.

These charges are deducted at your unit.

fund management charge

It is a part of each NAV. This charge may vary according to each company and its different plans.

partial withdrawal charge

This charge is levied on withdrawing some part of your fund in the medium term itself.

Apart from this, there are surrender charges, which are levied if the payment is taken before the maturity period.

fund switching charge

These charges are levied on switching from one fund to another.

Is ULIP Good What It is better to invest in ULIPs

To invest in ULIPs, you need to have patience as well as a long time to invest.

If you are planning to invest in ULIPs; So make sure to think carefully whether you see that ULIP as an investment or as an insurance.

as a life protection product ULIP Nothing special.

Because the insurance on ULIPs is limited to a maximum of 15 to 20 times your annual premium.

for example- If you buy a ULIP with a security cover of Rs 1 crore, your premium will be ₹ 2 to 3 lakh.

Whereas a person of 30 years can take a term insurance of one crore with an annual premium of 10 to ₹ 15000.

ULIPs and Mutual Funds

Like mutual funds, you can invest in ULIPs by paying premiums at a fixed interval.

You can choose the premium as per your investment needs.

Like mutual funds, the rate of return in ULIPs is determined by the NAV.

ULIPs have a minimum lock-in period of 5 years; And it also includes insurance cover.

Similarly, some mutual funds like ELSS funds also have a lock-in period of 3 years.

The annual amount deposited in it up to Rs 1.5 lakh is also exempt from income tax under section 80-C of Income Tax.

Benefits of ULIPs

  • These are called long term wealth creation funds.
  • Investing in it for a long period of time can give a return of 10 to 12% along with security cover.
  • In this, 10 times your annual premium gets Sum Assured or Jeevan Suraksha cover.
  • ULIPs also give you the option to switch to different investment plans as per your requirement.
  • Profits from ULIPs are tax free as per 80C and 10D of Income Tax.
  • Apart from switching from one plan to another, you can also partially withdraw your investment.
  • You can also increase your investment by opting for a single premium payment option.

Risk Factor about ULIP Risks of ULIP

You must have seen advertisements of insurance companies.

They say at the end that “this market is subject to risks, please read the policy document carefully before investing” so make sure to go through it thoroughly before investing in ULIPs.

The returns of your Unit Linked Insurance Plan are directly linked to the performance of the market. Therefore, it may also have to face its risk in future.

Top companies from where to invest in ULIPs

  • Life Insurance Company of India (LIC)
  • SBI Life
  • Bharti Aksa Life
  • PNB Met Life
  • Canara HSBC
  • HDFC Life
  • Bajaj Allianz
  • Kotak Mahindra Life
  • Aditya Birla Sunlife
  • Max Life Insurance
  • ICICI Prudential
  • Aviva Life Insurance

Best ULIP in 2021

Given below is a table of some Unit Linked Insurance Plans (ULIPs).

Based on their performance over the past few years, you will be able to take the right decision to invest in ULIPs.

Table By-


An investor should always keep investment and insurance separate.

Many investors opt for ULIP or traditional insurance to get both insurance and investment together.

But by taking such a plan, you only get less insurance in comparison to your invested capital.

Through term insurance, you can get a protection cover of one crore in very less money.

Similarly, for investment, you can get good returns in the long run by investing in mutual funds etc.

Dr. About Bhimrao Ambedkar today the whole of India is the creator of the Indian Constitution, was a great social reformer and a great leader. Dr. Bhimrao Ambedkar Dr. BR Ambedkar was the first Law Minister of independent India and the builder of the Republic of India.

Dr. Bhimrao Ambedkar ji has made many struggles in his life to provide equal opportunities to the downtrodden class Dr. Ambedkar’s inspirational thoughts inspired many youth and following his ideals and ideas, the lives of many youths changed.

Basically in this blog we are Dr. We are going to know about some important quotes of Bhimrao Ambedkar ji which can inspire you a lot.

Priceless Thoughts of Bhimrao Ambedkar Dr. BR Ambedkar Quotes in Hindi

I like the religion that teaches liberty, equality and fraternity.

Dr. Ambedkar

I measure the progress of a community by the degree to which women in that community have achieved.

Dr. Ambedkar

Those who can never make history forget their history.

Dr. Ambedkar

Religion is for man and not man for religion.

Dr. Ambedkar

The development of intelligence should be the ultimate goal of human existence.

Dr. Ambedkar

Education is the milk of a lioness and if you drink it, roaring will come.

It is better to follow the path shown by me than to do a car in my name.

Dr. Ambedkar

Don’t live to look good, live to be good.

Dr. Ambedkar

Dr. B R Ambedkar Slogan

He who can bow down can also bow down.

Dr. Ambedkar

Get educated stay organized and fight.

Dr. Ambedkar

Those who can never make history forget their history.

Depression is the most dangerous disease that can affect the lives of people.

Dr. Ambedkar

The religion which by birth declares one superior and the other inferior is not a religion but a conspiracy to keep it a slave.

Dr. Ambedkar

A great man differs from an eminent man in such a way that he is ready to become a servant of the society.

Dr. Ambedkar

Dr. Ambedkar’s priceless thoughts 

The religion which by birth declares one superior and the other inferior is not a religion but a conspiracy to keep it a slave.

Education is the milk of a lioness and if you drink it, the roar will come.

Dr. Ambedkar

Circumstances are never the problem, the problem is when we don’t know how to deal with the situation.

Dr. Ambedkar

No one can stop my country from becoming a superpower on the day the long queues of people going to the temple move towards the library.

Dr. Ambedkar

Life should be big and great instead of being long.

Dr. Ambedkar

It is better to walk on the path shown by me than to shout at me.

Dr. Ambedkar

Inspirational thoughts of Dr. Ambedkar Bhimrao Ambedkar Motivational Quotes

The biggest punishment for not participating in politics is that an unqualified person starts ruling you.

Dr. Ambedkar

The biggest punishment for not participating in politics is that an unqualified person starts ruling you.

Unless you achieve social freedom, whatever freedom the law gives you is meaningless.

Dr. Ambedkar

Constitution is not just a document of lawyers but it is a medium of life.

Dr. Ambedkar

Just as a plant needs water, in the same way an idea also needs propagation or else both wither and die.

Dr. Ambedkar

We are Indians first and last.

Dr. Ambedkar

Ambedkar Quotes

Those who suffer injustice are more guilty than those who do injustice.

Dr. Ambedkar

A secure army is better than a secure frontier.

Dr. Ambedkar

For a successful revolution, it is not enough just to have discontent, it also requires a deep faith in justice and political and social rights.

Dr. Ambedkar

In this article, we will learn about market cap, how many TOS are market cap and also know about their important concepts which will be very helpful for you.

Large Cap Mid Cap Small Cap

There are two stock exchanges operating in India; In which more than 1600 companies are listed in National Stock Exchange NSE and more than 5000 companies are listed in Bombay Stock Exchange BSE.

In order to invest in equity funds and to maintain uniformity in investment, SEBI has divided it into three parts on the basis of market capitalization of the company. These are large cap, mid cap and small cap.

AMFI (Association of Mutual Funds in India) lists such stocks which are used for investing in mutual funds.

AMFI updates this list twice a year (in January and December) on the basis of full market capitalization of companies. The update of the list means that in the next list, a large cap may become a mid cap or a small cap may also become a mid cap.

How is Large Cap Mid Cap and Small Cap Determined?

To understand this, we need to understand about market capitalization. Any company that is listed on the stock exchange; It has a share price, and its total outstanding shares.

We can calculate the total market capitalization of a company as follows-

Total Market Capitalization = 1 Share Value x Total Outstanding Shares

In this way we can say that if one wants to buy a company, then he has to spend money equal to the total market capitalization of that company.

Type of Market Cap

The Securities Exchange Board of India (SEBI) issued a circular on 6 October 2017. Accordingly, SEBI has prescribed three types of caps for all mutual fund schemes.

What is Large Cap

According to the total market capitalization, a company numbered from 1 to 100 is called large cap. Nifty 100 Index The names of these companies can be seen in

Usually the market cap of such companies is more than 10000 crores.

These 100 large cap companies hold 75% of all companies. This means that the beginning 100 large cap companies are really very big companies.

This company is already very big and is at the peak of its growth. In such a situation, it may take a long time for their expansion to double or they are less likely to expand much. Hence their returns are also moderate.

The money invested in it is quite safe; Along with this, the investment risk in them is also low.

Even when the market falls, their stocks fall less, because they are very big companies. Large caps maintain liquidity due to ample number of buyers and sellers. These are less affected by the volatility of the stock market.

Large cap companies are also called blue chip. If we talk about Blue Chip, it means, company listed on NSE from 1 to 100 is Blue Chip.

example of large cap company

  • Ambuja Cement
  • Ashok Leyland
  • Asian Paints
  • Aurobindo Pharma
  • avenue supermart
  • reliance
  • TCS
  • Infosys
  • L&T etc.

What is Mid Cap

nifty 150 mid cap index In the next 150 company names can be seen. This means that in the national stock market, a company numbered 101 to 250 is called a mid cap.

The total market capitalization of midcap is 13.5%. It is the midcap companies that later become large caps. Thus, with more growth opportunities, it has the potential to yield higher returns than large caps.

If the market goes down, then mid cap stocks also go down fast. Therefore, the risk is also higher in comparison to large caps.

If we talk about liquidity and market volatility, then it is less than small cap and more than large cap.

examples of mid cap company

  • Apollo Tires, etc.

What is Small Cap

All companies on the National Stock Exchange from number 251 onwards are called small cap.

to small cap companies nifty 250 index can be seen in. This can be seen on.

The total market share of small caps is around 7%. The return potential is highest for small caps only. Also, the risk or risk is also highest in this.

These stocks are most affected when the market falls. There is also a decline of 25 to 30% in small caps, and the same share price increases in 1 day.

Due to low interest of financial institutions and lack of buyers, there is less liquidity in it.

The fluctuations in the value of their shares are found to be very high. Small cap can become mid cap; And mid cap can become large cap; Or it could be the opposite.

example of small cap company

  • CDSL
  • IDFC
  • PVR
  • Radico
  • Bombay Dyeing, etc.

(Note- The list of companies is subject to change and is updated from time to time)