pramod kumar finance consultant

Term Loan  Term Loan are granted  in one lump sum and are allowed to be repaid over a period in installments the schedule of which is specified in the agreement itself . Demand Loans Loan are those which are repayable on demand through a repayment schedule,as agreed upon by the bank. Term loan dived on basis of period 1.Short-term Loan Short- term Loans are Loans that are repayable  within one year. 2.Medium-term loan Medium-term loans within two to seven years  3.Long-term Loans Long-term loans above seven years periods. Bank grant the short-term and medium-term loans.Bank onley in Housing loan section long-term loan which are repayable over longer period of 20-30 years The Development financial institutions usually  grant long-term loans. Retail Loan Products 1. Home Loan to resident Indians for purchase  of land construction of residential  homes/purchase of ready built house/repairs and renovation of an existing house. 2. Auto Loans-forvpurchase of new/used four-wheeler

Stages of the Human Life Cycle 1.Birth-When a child is born .New Life May bring something new and special into the world. 2.Middle Childhood - Form that time child Education is Start his fist school Education. From her we start Investment on Education . 3.Early Adulthood (20-35)- From that time Higher Education is start .Their many responsibilities, including finding a home and mate,establishing a family or circle of friends , and getting a good job. 4.Midlife(35-50)-People in midlife often take a break from worldly responsibilities to reflect upon the deeper meaning of their lives. 5.Death And Dying life -Those in our lives who are dying or who have died. Another thing is risk that present from birth from life is diseases and death. that is present from birth. In we all in childhood that time our parents take care and all investment on education and diseases  that we faced  .          In Adulthood all person start new Life that time is 20-35 there he  married some one and  sta

Insurance   Insurance  may  thus  be  considered  as  a  process  by  which  the  losses  of  a  few, who  are  unfortunate  to  suffer  such  losses,  are  shared  amongst  those  exposed  to similar  uncertain  events / situations. urance  is  only  one  of  the  methods  by  which  individuals  may  seek  to  manage their  risks.  Here  they  transfer  the  risks  they  face  to  an  insurance  company. However  there  are  some  other  methods  of  dealing  with  risks. we all investment in Fixd deposits for secure investment .and polar investment is corporate boand and g sec that also safe investment but there low return then we go to investment in mutual Funds that give high returns. we talke her return from investment of money from different investment instrument and return.  another thing is risk that involved in all these invest like interst rat risk in fixd deposits and bond also market risk in mutual funds that involve in all investment instrument .we know that risk and

Smart SIP Smart Sip is new way of Investment in mutual fund.Many company offer that type of investment . In Smart SIP Investment Tow type of fund present First onr equity fund and second is Debt Fund. That fund investment depend on market conditions.Mark is always not a good conditions there up down is always present that is behavior of market .Also time is not same that will be change that is in market good and bade day is always in market that time Smart SIP is good investment in Market that provide technically investment in market. Smart SIP Investment adjusted based on market Condition When market is good then Investment in Equity and market in bade conditions Investment in debt Market. That is Every Month, How much money goes in equity and debt fund. Equity investment is behave with market condition .Debt investment in safe investment that give fixed rate. But Equity investment return is higher than debt that is good point of market that is used by mutual fund higher return.  

Loan Against Mutual Fund Loan against mutual fund is a kind of a secured Loan Where an investor pledges his MF units to borrow fund to meet his financial and personal need without selling his portfolio. Loan Eligibility 50% of current value of the total investment units(Equity+Hybrid+dibt) Interest rate 11% Per annum Maximum duration 24 Month Secured Loan In the case of secured loan a banker besides verifying the future solvency of the borrower asks for the charge over property of the borrower so that in the event of failure by the borrower to repay the banker can sell the property of the borrower charged to him and recover the moneys.                                                                                                                     pramod kumar                                                                                                                    7903812430

Mutual Fund with Insurance We talk about some point about People facing common risks come together and contribute a fixed amount towards a pool, out of which they are reimbursed if and ehen loss occurs. Insurance main consept is risk pooling. Another pont is Mutual fund Mutual Fund is ehicle to mobilize money from investors to invest in different market and securities, in line with common investment objective agreed upone, between the mutual fund and the investors.. What is in Mutual fund + Insurance Who is Eligible to invest – Age 18 Years – less than 51 years Minimum Investment – 500 Per month yearly – 6000 per year Minimum Tenure – Monthly 36 indtallments Quarterly 12 installment yearly-3 Installments Insurance Cover- Insurance Cover will be valid only up to 55 year of age Aftert that will be treated as normal sip. will be treated as normal sip. Maximum Insurance Cover- 50 Laks sip Insure claim- 45 Calender day for the sip insure cla