If you invest money in mutual funds scheme, then know about this new service

Computer Edge Management Service- CAMS (CAMS) has started a new service for those investing in mutual funds. With this, your e-KYC work will be done easily. Best Mutual Funds in 2021

If you invest money in mutual funds scheme, then it is important news for you. Computer Edge Management Service- CAMS (CAMS) has started a new service for those investing in mutual funds. With this, your e-KYC work will be done easily. Aadhaar based verification through one time password (OTP) will complete the process of e-KYC. New customers investing in mutual funds will be greatly facilitated by this facility.

Previously, the process of KYC was done through XML. With this new feature of cams, this will be done through OTP through Aadhaar number. This is a much easier process than before. CAMS and CAMS Investor Service are among the 8 companies in the country that have been allowed to do authentication through Aadhaar. Explain that the government had made the KYC process mandatory for those investing in mutual funds.

CAMS CEO Anuj Kumar says that we are happy that we have succeeded in completing the e-KYC process through Aadhaar. This will make the work of new investors much easier and fast the process of their e-KYC will be completed.

This information came on joint investment

On the other hand, a new information about mutual funds has also been revealed. If you are investing jointly with your husband, child or parents in mutual funds or any property, then you can get a notice from the Income Tax Department. To know about this kind of disturbance, you have to check Form 26AS. Actually, when any transaction takes place in the name of more than one person, according to CBDT rules, this amount of transaction is reported in the name of both account holders.

In any one year, if a person makes a transaction of 10 lakh rupees through a mutual fund, then the mutual fund house has to inform it directly to the tax department. In such a situation, if a transaction exceeds this limit is done from a joint account, then CBDT demands tax liability from all the account holders at the individual level.

NPS Scheme: know the easy way to open online NPS Tier-II account

Investing in NPS Tier II- Tax Saver Scheme provides tax deduction up to Rs 1.5 lakh.

Read More: LIC Money back plan: Get 23 lakh rupees with just Rs 160 everyday savings

People working in the government and private sector get the facility to open two types of accounts under the National Pension Scheme (NPS). They can open a Tier-1 account (NPS Tier I account) and Tier-2 account (NPS Tier II account). Any government or private sector employee who contributes to the NPS can open an additional pension account under the scheme and can avail additional pension after retirement. A tier-1 account is a pension account. At the same time, the Tier-2 account is a voluntary savings account.

Tier II Account is a good option for employees to save and invest. Investment in Tier-II- Tax Saver Scheme provides tax deduction up to Rs 1.50 lakh. The person opening an NPS Tier II account gets unlimited online withdrawals and can transfer the deposit amount to their bank account whenever they want. However, people working in the private sector do not get tax benefits on withdrawal from the Tier II account. But government employees get tax benefit on opening a Tier-2 account. However, its lock-in period is three years. If government employees want to save more, they can open an NPS Tier II account and avail of tax deduction up to Rs 1.5 lakh under section 80C of income tax.

Can not change the amount of PF

The lock-in period of the pension account opened under the NPS Tier II Tax saver scheme is three years. That is, you cannot change the amount deposited in it for three years. If you make any change in the amount of PF deposited in it after three years, it will be considered as a fresh investment and its lock-in period will also be three years.

How to open an online Tier II Account

1.     Firstly go to the NPS website https://enps.nsdl.com and click on the National Pension System tab on the home page.

2.     Then click on the Tier II Activation option. A new page will open after doing this.

3.     On this, you will have to fill your captcha by entering your Permanent Retirement Account Number (PRAN), Birth Date, PAN Number (PAN), and click on the Verify PRAN option given below.

4.     After this, an OTP will appear on your registered mobile number. After entering OTP, fill in the requested information and click on the Validate Aadhaar option.

5.     By doing this you will get an acknowledgment number. Then click on OK.

6.     After this, you have to choose a pension fund manager (PFM) and investment option. In this, you can choose Auto or Active choice.

7.     After this, click on the button Save and proceed. After this, fill in the details of your nominee and click on the Save and proceed button.

8.     After this, you will have to upload a scanned copy of your PAN card and canceled the check. 

9.     After all the documents are uploaded, you can deposit money in your NPS Tier II Account. This account can be opened by depositing a minimum of 1000 rupees.

10. You will get a receipt as soon as you deposit the money. After this, you can e-sign using Aadhaar on your application.

11. As soon as you enter the Aadhaar number, an OTP will come on your registered mobile. Fill the OTP in the space provided.

12. After e-signing your application, you download it and sign it and send it to the NSDL head office in Mumbai by a simple post. Your NPS Tier II Account will open.

LIC Money back plan: Get 23 lakh rupees with just Rs 160 everyday savings

Anyone can take this plan from 13 years to 50 years, every fifth year will get 15-20 percent money back.

Read More: Atal Pension Yojana: How to open an AtalPension Yojana account without net banking or mobile app?

LIC Money Back Plan: Life Insurance Corporation of India- LIC is a government insurance company that offers a variety of insurance and investment options. Most of LIC's policies are liked by people. If you want to invest a little bit and get a lot of returns, then this wish can be fulfilled. For this, LIC has launched a plan. Whose name is LIC New Money Back Policy?

The specialty of this plan is that every year the insured gets money back, better returns in maturity, as well as tax insurance benefits in 5 years. This money-back plan of LIC is a non-linked life insurance policy. Which gives guaranteed returns and bonuses. You will get 2 options for 20 years and 25 years to take this plan. This policy is a completely tax-free policy. Along with this, there will be no tax on the amount received on its interest, premium payment, and maturity. If you invest Rs 160 every day for 25 years in this plan, then after 25 years you will get up to Rs 23 lakh.

According to LIC, a person can take this plan from 13 years to 50 years. In this plan, every fifth year i.e. 5th year, 10th year, 15th year, 20th year, you will get 15-20% money back. But this will happen only when at least 10% of the premium is deposited. With this, investors will be given a bonus on maturity. Accidental death will also be available in this plan for a total of Rs 10 lakh. On maturity, investors will also be given a bonus.

Atal Pension Yojana: How to open an Atal Pension Yojana account without net banking or mobile app?

APY-POP is being allowed by PFRDA to start a second channel for on-boarding of their existing savings accounts holders.

Read More: How to open online savings an account inSBI for children, Read Full Story

Atal Pension Yojana (APY): Atal Pension Yojana was started by the Modi government in the form of social security in the year 2015. This pension scheme is for people working in the unorganized sector. Which includes domestic help, gardener, driver, etc. Now if they do not have net banking or mobile app facilities, then there is no need to worry. Your account can be opened.

How to open account?

In order to make the on-boarding process of APY subscribers a different channel (different model) by the Pension Fund Regulatory and Development Authority (PFRDA) to APY-POP for the on-boarding of their existing savings account holders. ) Is being allowed to start. Under the new channel, one can open an APY Account without using net banking or a mobile app.

This is the new way

Now, making online onboarding easier for APY, PFRDA has started the facility of opening an APY account through the bank's website.

If you want to open an account, first of all, you have to go to the portal of the bank that provides the facility to open an APY account. After this, you have to register by entering Customer ID or Saving Account Number (any two) or PAN or Aadhaar. Registration will be completed through OTP based authentication.

Upon completion of registration, the customer will be given access to the webform. Aga, in which some data will be pre-filled automatically. The person opening an APY account can fill in other data such as pension money, frequency of auto-debit, nomination, etc. The APY enrollment form will be submitted digitally to the bank through OTP authentication or e-signature. If someone cannot provide an e-sign or OTP, then he can later sign the form directly and submit it to his bank branch.

How to open online savings an account in SBI for children, Read Full Story

 An account opened for children in a bank is called a minor account.

SBI Kids Online Account: You can also open your children's account in the bank. If you learn the habit of saving from now, it will be very important. Today's parents can also open their children's bank accounts. This will make it easier for them to get acquainted with the banking system from now on. They can soon be taught to be financially independent. It is very important to have an account with a bank. Any financial benefits are available in the bank account only.

If you want to open your children's online account, then the country's largest bank, State Bank of India - SBI offers for minors in the first step (Pehla Kadam) and first flight (Pehli Udaan) Online facility has been provided for opening a savings account. Which nowadays comes with banking products and will help children to understand buying power. In this account, the limit for children to withdraw money daily has also been fixed so as not to spend more money.

First Saving Account in SBI for Minors

1. Parents with minor children of any age or can open a Guardian Joint account. It can be operated by parents or guardians or singly.
2. Mobile banking facility is available on a saving account, in which all types of bills can be paid. It has a limit to transact up to Rs 2,000 daily.
3. ATM-debit card the facility is also available when a bank account is opened in the name of children. This card will be issued in the name of the minor and guardian. It can withdraw up to Rs 5,000.
4. Internet banking facility is also available in it. There is a limit to transact up to Rs 5,000 daily. With this, you can collect all types of bills.
5. Checkbook is also available in which the mobile number of the account holder is entered. This specially designed check is 10 pages. Which is issued under the name of the minor under the guardian.
6. Personal Accident Insurance Cover is also available for parents.

First flight saving account in SBI for minors

• Children over 10 years old who can sign their own can open a Savings Account under SBI's first flight (Pehli Udaan).
• This account will be completely in the name of a minor. Only he can operate it alone.
• ATM debit card the facility is also available in this and you can withdraw money up to Rs 5000 daily. Along with this, a mobile banking facility is also available. In which you can transfer up to Rs 2000 daily. You can also do all kinds of payments with this.
• Internet banking facilities are also available and projects can transfer up to Rs 5,000. It provides the same facility of checkbook as found in the first step.
• In the first flight saving account, the minor does not get any facility of overdraft.

 Some special features in both accounts

1. There is no limit to how much monthly balance should be kept monthly. That is, monthly the average balance is not required.
2. The maximum you can keep a balance of up to 10 lakh rupees.
3. The calculation is done on the interest rate daily in the savings account.
4. The account can be transferred to any SBI branch without changing the account number.
5. Nomination of the facility is also available for both the first step and first flight account.
6. Get a branded passbook designed in a special way that is not charged.
7. Auto sweep facility with a limit of at least Rs 20,000 will be given. The first step will be the facility of parent or guardian overdraft in the account.
8. Children can also open an RD account, for which there will be no charge of any kind.

These documents will be required to open an account

The date of birth certificate of the minor will be required. Guardian's KYC Aadhaar and PAN card will be required. Signature of Guardian and Aadhar Card of minor will be also required.

How to open an online account like this?

First of all, you should visit the bank's official website www.sbi.co.in or www.sbi.co.in/web/personal-banking/home. After this, click on Personal Banking and select Saving Account for Minors. After this, click on Apply Now. Digital Savings Account and Insta Savings Account will appear, start the process in which you have to go. Now you have to click in the tab of Open a Digital Account. After this, click Apply now and go to the next page. Enter your complete information to open an account. Note here that it is necessary to visit the branch of SBI once to complete this process. You can also open an account by going to the SBI branch in an offline way.

निवेश के 4 विकल्प जो आप इस दिवाली चुन सकते हैं

• दिवाली-रोशनी का त्योहार- सबसे शुभ अवसरों में से एक माना जाता है।
• ऐसा माना जाता है कि इस दिन किया गया कोई भी निवेश भविष्य में अच्छा लाभ दे सकता है। सोने से लेकर म्युचुअल फंड तक - ऐसे विकल्प हैं, जो निवेशकों को अपनी संपत्ति बढ़ाने में मदद कर सकते हैं।

यहाँ 4 निवेश विकल्प हैं जिन पर विचार कर सकते हैं:

1. सोने से संबंधित निवेश

सोना दिवाली और धनतेरस के लिए एक आम निवेश है। सोने में निवेश या तो भौतिक या कागज/ इलेक्ट्रॉनिक प्रारूप में किया जा सकता है। जबकि भौतिक सोने में बुलियन गोल्ड, जैसे बार, सिक्के या गहने शामिल होते हैं, जिसका मूल्य वास्तविक सोने की सामग्री से निर्धारित होता है, डिजिटल सोना शुद्धता की चिंता किए बिना निवेश करने, शुल्क और भंडारण करने का एक आसान और सुविधाजनक तरीका है।

भौतिक सोने के लिए डीमैट खाते की आवश्यकता नहीं होती है, इसमें न्यूनतम कागजी कार्रवाई होती है, और जीएसटी को छोड़कर अतिरिक्त शुल्क नहीं लगते हैं, लेकिन शुद्धता, सुरक्षा और भंडारण प्रमुख चिंताएं हैं। एक्सचेंज-ट्रेडेड फंड्स (ETF), गोल्ड म्यूचुअल फंड और सॉवरेन गोल्ड बॉन्ड (SGBs) डिजिटल गोल्ड के रूप हैं जिन्हें कोई भी विचार कर सकता है।

2. सिस्टमैटिक इन्वेस्टमेंट प्लान (SIP) के माध्यम से म्युचुअल फंड

इस दिवाली, निवेशक लंबी अवधि के धन सृजन के लिए म्यूचुअल फंड एसआईपी शुरू कर सकते हैं। एसआईपी म्यूचुअल फंड स्कीम में नियमित रूप से एक निश्चित राशि निवेश करने की एक विधि है। यह एक निवेशक को महीने की एक विशिष्ट तारीख को नियमित रूप से इकाइयों को खरीदने की अनुमति देता है। विशेषज्ञों के अनुसार, एसआईपी के माध्यम से निवेश करना मासिक वेतन पाने वालों के लिए म्यूचुअल फंड में पैसा लगाने का सबसे अच्छा तरीका है। एसआईपी शुरू में बहुत आकर्षक नहीं हो सकता है लेकिन समय के साथ, निवेश कई गुना बढ़ सकता है।

3. रियल एस्टेट

राम रहेजा, निदेशक, एस रहेजा रियल्टी के अनुसार, किसी भी कैलेंडर वर्ष के Q4 में हमेशा भारत में अधिकतम बिक्री देखी गई है क्योंकि कई खरीदार संपत्ति निवेश के लिए त्योहारी सीजन को शुभ मानते हैं। रियल एस्टेट भी एक पसंदीदा परिसंपत्ति वर्ग के रूप में उभरा है क्योंकि दुनिया महामारी और बाद में लॉकडाउन के दौरान अनिश्चितता से जकड़ी हुई थी।

यह एक स्थिर निवेश है जो लंबे समय में उच्च रिटर्न दे सकता है।

4. इक्विटी में निवेश

शेयर बाजारों में निवेश को भी इस दिवाली माना जा सकता है। हालांकि, यह केवल एक दीर्घकालिक समय क्षितिज के साथ किया जाना चाहिए।

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