Citadel Insurance and lnvestments
Citadel Insurance and lnvestments
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What is Term Insurance?

Term insurance is a very simple life insurance policies that offers a pure risk cover. The sum assured wil be paid only if the holder of the policy dies during the term of the policy. There are no survival benefits on this type of policy. Term insurance are less expensive when compared with other life insurance policies.

What is whole life Insurance?

Whole Life Insurance is a type of Life Insurance. When there is a loss of human life, there is a loss of income for the household. The impact of such a loss can be offset with wholelife Insurance Product. Whole life Insurance is not just for a specified period and does not have end date. Claim is paid to the beneficiary only on the death of the policy holder. There is no survival benefit.

what is endowment insurance plan?

It is a savings linked insurance plan with a specific maturity date.On surviving the term, the proceeds become payable. In case of any unfortunate event by the way of disability or death the sum assured along with the bonus, if any will be paid to the beneficiaries. These types of policies cover the insured only for a specified period.

what is retirement immediate annuity plan?

These types of plans are useful for those who are nearing their retirement and need regular income for survival. In immediate annuity plan the person has to invest a lump sum instantly, and the pension will start.

what is retirement deferred annuity plan?

These types of plans are useful for those who are nearing their retirement and need regular income for survival. It helps in building corpus through payment of regular or single premiums in a policy term. Pension will begin once the term of the policy has expired.

what are child plans?

Child plans help the family of the insured in case of uncertain death of the insured. In this way the future plans of the child are not compromised with be it their wedding or education. There are some plans where a person can buy a child plan which matures when funds are required for the purpose.

what are ULIP?

It is a combination of insurance and investment. A small amount of the premium goes to secure life insurance and rest of the money is invested just like a mutual fund does. When there is loss of human life, life cover or fund value which ever is higher will be paid.

What is Term Insurance?

Term insurance is a very simple life insurance policies that offers a pure risk cover. The sum assured wil be paid only if the holder of the policy dies during the term of the policy. There are no survival benefits on this type of policy. Term insurance are less expensive when compared with other life insurance policies.

What is whole life Insurance?

Whole Life Insurance is a type of Life Insurance. When there is a loss of human life, there is a loss of income for the household. The impact of such a loss can be offset with wholelife Insurance Product. Whole life Insurance is not just for a specified period and does not have end date. Claim is paid to the beneficiary only on the death of the policy holder. There is no survival benefit.

what is endowment insurance plan?

It is a savings linked insurance plan with a specific maturity date.On surviving the term, the proceeds become payable. In case of any unfortunate event by the way of disability or death the sum assured along with the bonus, if any will be paid to the beneficiaries. These types of policies cover the insured only for a specified period.

what is retirement immediate annuity plan?

These types of plans are useful for those who are nearing their retirement and need regular income for survival. In immediate annuity plan the person has to invest a lump sum instantly, and the pension will start.

what is retirement deferred annuity plan?

These types of plans are useful for those who are nearing their retirement and need regular income for survival. It helps in building corpus through payment of regular or single premiums in a policy term. Pension will begin once the term of the policy has expired.

what are child plans?

Child plans help the family of the insured in case of uncertain death of the insured. In this way the future plans of the child are not compromised with be it their wedding or education. There are some plans where a person can buy a child plan which matures when funds are required for the purpose.

what are ULIP?

It is a combination of insurance and investment. A small amount of the premium goes to secure life insurance and rest of the money is invested just like a mutual fund does. When there is loss of human life, life cover or fund value which ever is higher will be paid.

What is Term Insurance?

Term insurance is a very simple life insurance policies that offers a pure risk cover. The sum assured wil be paid only if the holder of the policy dies during the term of the policy. There are no survival benefits on this type of policy. Term insurance are less expensive when compared with other life insurance policies.

What is whole life Insurance?

Whole Life Insurance is a type of Life Insurance. When there is a loss of human life, there is a loss of income for the household. The impact of such a loss can be offset with wholelife Insurance Product. Whole life Insurance is not just for a specified period and does not have end date. Claim is paid to the beneficiary only on the death of the policy holder. There is no survival benefit.

what is endowment insurance plan?

It is a savings linked insurance plan with a specific maturity date.On surviving the term, the proceeds become payable. In case of any unfortunate event by the way of disability or death the sum assured along with the bonus, if any will be paid to the beneficiaries. These types of policies cover the insured only for a specified period.

what is retirement immediate annuity plan?

These types of plans are useful for those who are nearing their retirement and need regular income for survival. In immediate annuity plan the person has to invest a lump sum instantly, and the pension will start.

what is retirement deferred annuity plan?

These types of plans are useful for those who are nearing their retirement and need regular income for survival. It helps in building corpus through payment of regular or single premiums in a policy term. Pension will begin once the term of the policy has expired.

what are child plans?

Child plans help the family of the insured in case of uncertain death of the insured. In this way the future plans of the child are not compromised with be it their wedding or education. There are some plans where a person can buy a child plan which matures when funds are required for the purpose.

what are ULIP?

It is a combination of insurance and investment. A small amount of the premium goes to secure life insurance and rest of the money is invested just like a mutual fund does. When there is loss of human life, life cover or fund value which ever is higher will be paid.

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Asset Management Company (AMC) Download Brochure
Mutual Fund is a pool of investments collected from a large group of people. It offers returns to the investor by investing in various securities such as stocks, bonds, money market instruments, etc. Mutual Funds have become a huge entity in the financial services industry which is filled with lots of investment options. They offer multiple benefits to the investors. Broadly, mutual fund schemes can be classified as Equity, Debt or Hybrid. Among these, there are many sub-categories such as Largecap, Midcap, Multicap, Liquid, Balanced and so on. Mutual Funds are also considered one of the safest and most convenient ways to create wealth in the long term. Here are some of the benefits offered by mutual fund investment:
  • Professional Fund Manager who manages the investment
  • Flexibility
  • Liquidity
  • Tax benefits
  • Low cost
  • Diversification
  • Highly regulated
FixedDeposits-banner logo

Fixed Deposits of banks have been the choice of traditional Indian investors who preferred safety over anything else. Company FDs offer a similar option to the investors, with an advantage of slightly higher returns with safety intact. Here are some of the salient features of Company or Corporate FDs:

  • They offer interest rates of at least 1-2% higher than the traditional bank FDs. Also, they do not have a base rate structure and hence each company FD will have a varied interest rate.
  • They have investment tenure of 1-5 years.
  • There are few deposits which offer higher return for investors who can afford to put in greater risk. These FDs are usually rated by reputed agencies like CRISIL, ICRA or CARE. AAA rated deposits are the safest. Less rated deposits can offer higher returns but carry some risk as well.
  • Taxation is the same as in bank FDs.
ipos-bannerlogo

Initial Public Offering (IPO) is an offering by the company to reach out to the public for need of capital i.e. a company is going from private to public. The companies use this capital for various purposes such as expansion of base, purchase of machinery, etc. Companies are required to strictly disclose all their financials and future plans during the IPO process. Many of the IPOs have turned multi baggers and created huge wealth for the investors. Here are some of the benefits of IPOs:

  • Opportunity to claim early stake in a company
  • Listing gains
  • Convenient to invest
  • Most of the times, investors can sell shares at any point of time after listing.
bonds-bannerlogo
Bonds are fixed income products which are popular with risk averse investors as they provide safety of capital with returns in the form of fixed periodic payments and the eventual return of principal at maturity. Most investors, regardless of age should have at least a small amount of their portfolio allocated to fixed income products like bonds. This adds safety and consistency to a portfolio. Here are some features of bonds:
  • Safety of capital.
  • Regular fixed returns
  • Appreciation of face value when interest rates go down.
  • Liquidity
  • In event of company bankruptcy, bond holders are preferred over share holders.
NonConvertibleDebentureslogo
Non Convertible Debentures (NCDs) are debentures which cannot be converted into equities or shares. They tend to carry higher interest rates than Convertible Debentures as NCDs do not offer the conversion option. NCDs are best suited for those who seek high returns with medium risk. An NCD can be categorized into Secured or Unsecured. Secured NCDs are backed by the issuer company's assets to fulfil the debt obligation unlike unsecured NCDs. The NCD issues are rated by credit rating agencies like CRISIL, ICRA, FITCH, and CARE to ensure the company's ability to service the debt on time & lower default risk. Secured NCDs offer slightly lesser interest rate compared to non-secured ones due to the safety factor involved in this.
CapitalGainBondslogo
Capital gain bonds are part of Section 54 EC of Income Tax Act, 1961. Any long term capital gains arising from transfer of any capital asset would be exempt from tax under this section. In order to be eligible for exemption, the capital gain realized should be invested in these bonds within 6 months. Here are some features of these bonds:
  • REC (Rural Electrification Corporation Ltd) and NHAI (National Highways Authority of India) are the capital gain bonds which offer this exemption.
  • Investment tenure is 3 years.
  • Maximum of Rs. 50,00,000 can be invested in these bonds.
  • Interest rate offered is 6% p.a.
ONGOING CAPITAL GAIN BONDS ISSUES
COMPANY NAME DOWNLOAD FILE
NATIONAL HIGHWAYS AUTHORITY OF INDIA (NHAI) 54EC - CAPITAL GAIN BONDS - SERIES XIX
REC 54EC CAPITAL GAINS TAX EXEMPTION BONDS - SERIES XII
POWER FINANCE CORPORATION LTD - SERIES II
INDIAN RAILWAY FINANCE CORPORATION - SERIES II