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RUPESH KAMALKUMAR JAIN

Bhusawal, Maharashtra

| GST  27ACYPJ8365M1ZH

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Life Insurance

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We are an investment planning firm situated in the Bhusawal (Maharashtra). We started operations in the year 1998. We provide complete financial solutions right from Mutual Funds to Insurance , Fixed Deposits etc.Our commitment to customer benefit has helped us in emerging as the most trusted name in financial planning. A plethora of achievements like MDRT (in just 3 months) stands testimony to our customer service.+ Read More

Nature of Business

Service Provider

Legal Status of Firm

Individual - Proprietor

GST Number

27ACYPJ8365M1ZH

Life Insurance
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Life Insurance

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  • You need Life Insurance because typically the need for income continues for those who are financially dependent on you. Life insurance can help you safeguard the financial needs of your family.

  • This need has become even more important due to steady disintegration of the prevalent joint family system, and emergence of nuclear families. The need to protect your family' s ever growing needs is why you need Life Insurance.

  • Protection
    You need life insurance for protection of the people you love, making sure that your family has a means to look after itself in case of any unforeseen events. It is a thoughtful business concept designed to protect the economic value of a human life for the benefit of those financially dependent on him. That' s a good reason

  • Retirement
    Life insurance makes sure that you have regular income after you retire and also helps you maintain your standard of living. It can ensure that your post-retirement years are spent in peace and comfort.

  • Savings and Investments
    Insurance is a means to Save and Invest. Your periodic premiums are like Savings and you are assured of a lump sum amount on maturity. A policy can come in really handy at the time of your child' s education or marriage! Besides, it can be used as supplemental retirement income

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Health Insurance
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Health Insurance

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Health insurance has become a necessity today. You will never know when an illness may strike. And in such cases, hospitalization and medication expenses can be unaffordable. It is especially worse when the patient needs specialised care. In such instances, many families use the existing cash reserve and give up comforts in life and make do with bare minimum necessities.

Health insurance therefore, can be a source of support as it takes care of the financial burden your family may have to go through. It will help you tackle such situations with ease by providing you with timely and adequate medical care. Besides, if the accident causes lifelong disability to a person who is the breadwinner, the insurance company will come to the rescu

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Automobile Insurance
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Automobile Insurance

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What is insured ?
Any light motor vehicle used for social, domestic and pleasure purposes and for the insurer's business.

Insured against what risks?
1(a). Loss or damage by accident, fire, lightning, self ignition, external explosion, burglary, housebreaking or theft, malicious act.
1(b). Riot and strike; terrorism; earthquake; flood, cyclone and inundation
1(c). whilst in transit by rail, road, air, elevator, lift. Perils under 1(b) can be deleted and a discount in premium availed.
2. Liability for third party injury/death, third party property and liability to paid driver.
3. On payment of appropriate additional premium, loss/damage to electrical/electronic accessories, PA cover for drivers, insured or any named person, unnamed passengers can also be taken.
4. Certain discounts in premia are also available.

Who can insure?
Individuals and corporate owners of the private cars and the financier of the car having insurable interest in it.

What will policy pay and how much?
Own Damage
1. Actual amount spent for repairs/replacement subject to depreciation and sum insured as per survey report.
2. Garaging and towing charges - up to Rs 1000/-
3. Damage to tyres (when vehicle is also damaged) - 50 % of cost of replacement
4. In case of total loss, market value at the time of loss or sum insured whichever is less.

Act Liability
1. Death or bodily injury to third parties - Unlimited
2. Death or bodily injury to any person carried in the car provided they are not insured employees and not carried for hire or reward - Unlimited
3. Liability to paid driver - As per W. C. Act
4. Third party property damage - up to Rs 6000/-
5. All costs and expenses incurred with company's written consent
In case of death of the Insured/any person entitled to indemnity for a liability incurredunder this Policy,his personal representative will be indemnified ,as in the case of insured,if he observes all conditions as the insured himself.

When will policy not pay?
* Consequential loss; depreciation; wear and tear; mechanical and electrical breakdown; failure or breakage.
* When vehicle is used outside the geographical area; when used contrary to limitation as to use; driven by a person other than the driver stated in driver's clause
* War perils, nuclear perils and drunken driving

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Retirement Planning Service
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Life expectancy
As of 2007 the life expectancy at birth for males is 67 years and 71 years for females. With advancement in technology life expectancy is likely to increase.
Result: You will have to fend for more number of years post retirement.

Medical emergencies
With age come health problems. With health problems, come medical expenditure which may make a huge dent in your income post retirement
Failure here could lead you to liquidate (sell) your assets in order to meet such expenses.
Remember mediclaims do not always suffice.

Nuclear families
Gone are the days when people use to have an entire cricket team making a family. Today's youth prefer not more than two children.With westernisation coming in, the culture of joint family is changing
hey prefer independence and stay away from their family. Hence people have to develop a corpus to last them through their retirement without any help from family.

No government sponsored pension plan
Unlike the US and UK where they have IRA and state pension respectively as social security benefit during retirement, the government of Indiadoes not provide such benefits.
So again you are on your own.

Job hopping
With youngsters hopping jobs regularly they do not get benefit of plans like super annuity and gratuity. Both these require certain number of working years spent in the service of a particular employer.

Inflation
As you need to worry about it you need to account for it as well. You need to take into account inflation while calculating your retirement corpus as well as your return

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Mutual Funds
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Mutual Funds

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Organisation of a Mutal Fund
 
 
ADVANTAGES OF MUTUAL FUNDS

The advantages of investing in a Mutual Fund are:
Professional Management
Diversification
Convenient Administration
Return Potential
Low Costs
Liquidity
Transparency
Flexibility
Choice of schemes
Tax benefits
Well regulated
 
 
TYPES OF MUTUAL FUND SCHEMES

Wide variety of Mutual Fund Schemes exist to cater to the needs such as financial position, risk tolerance and return expectations etc. The table below gives an overview into the existing types of schemes in the Industry.
 
FREQUENTLY USED TERMS
 
Net Asset Value (NAV)

Net Asset Value is the market value of the assets of the scheme minus its liabilities. The per unit NAV is the net asset value of the scheme divided by the number of units outstanding on the Valuation Date.
 
Sale Price

Is the price you pay when you invest in a scheme. Also called Offer Price. It may include a sales load.
 
Repurchase Price

Is the price at which units under open-ended schemes are repurchased by the Mutual Fund. Such prices are NAV related.
 
Redemption Price

Is the price at which close-ended schemes redeem their units on maturity. Such prices are NAV related.
 
Sales Load

Is a charge collected by a scheme when it sells the units. Also called, ‘Front-end’ load. Schemes that do not charge a load are called ‘No Load’ schemes.
 
Repurchase or ‘Back-end’Load

Is a charge collected by a scheme when it buys back the units from the unitholder

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HDFCMF Invest Service

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  • Please login by entering your Folio number, PAN and Bank Account Number of the first Unit Holder / Guardian as registered in the folio to validate your details. If your email ID is not registered in the folio kindly enter the same in the space provided to enable us to email the transaction confirmation.
  • Select the scheme, the amount to invest and a few other details and transfer funds through your Net Banking Account of any of the select banks available with us. Please click here to refer to the updated list of such banks.
  • Once the transaction is completed and payment is made the transaction number will be displayed on the confirmation screen. This number is provided to facilitate tracking of the purchase transaction. Kindly take a print of the confirmation for future reference.

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  • Financial planning is a process of setting goals (For example buying a house/car, child's education/marriage, retirement corpus etc), assessing income, assets, investments, expenditure and liabilities, estimating future financial needs, and making plans to achieve them. There are many elements which are involved in financial planning, including budgeting, investments, Taxes, estates, retirement, insurance etc.
  • Financial planning plays a crucial role in helping individuals get the most out of their money. A good plan can help in creating long term wealth and provide considerable immunity against fluctuating economy. It also provides protection against the unexpected events like loss of income or major illness.
  • Financial Planning is different for different people and depends highly on income level, age, risk appetite, responsibilities etc. What suits one person may not be suitable for another. However there are some components which remain common across plans.

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With age come health problems. With health problems, come medical expenditure which may make a huge dent in your income post retirement
Failure here could lead you to liquidate (sell) your assets in order to meet such expenses.
Remember mediclaims do not always suffice.

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