Currently set to Index
Currently set to Follow
Currently set to Index
Skip to content

freefincal

Menu
  • Home
  • About
  • MF screener
  • Nifty PE Tool
  • Stock Screener
  • Tactical Buy/Sell
  • Learn how to manage your portfolio
  • Turn your skills to income!
  • Robo Advisory

Category: bulletin

LIC Bima Jyoti Review: Why you should avoid!

February 22, 2021 / M. Pattabiraman / @pattufreefincal

This is a review of LIC LIC Bima Jyoti, a new plan that is available from 22-Feb-2021. Let us analyse its features, merits and demerits and see if it has any value to offer and worth it. We explain why the typical returns obtained would be poor. Such launches are common during the “tax-saving season”…

Continue reading →

Is it illegal to disclose adsense income?

February 21, 2021 / M. Pattabiraman / @pattufreefincal

Many AdSense users believe that it is illegal to disclose income from Adsense earns from ads on Youtube and from sites.  This is incorrect. These are the Adsense Terms of Service. Point no 11 is reproduced below. 11. Confidentiality You agree not to disclose Google Confidential Information without our prior written consent. “Google Confidential Information”…

Continue reading →

IRDA Life Insurance Claim Settlement Ratio Data for 2021

February 10, 2021 / M. Pattabiraman / @pattufreefincal

The IRDA annual report with Life Insurance Claim Settlement Ratio Data for 2021 (FY 2019-20) was released on Feb 10th delayed by at least 1-2 months due to the pandemic.  The claim settlement ratio data along with total claims and claims paid is presented in the table below. Life Insurance Claim Settlement Ratio Data for…

Continue reading →

Should ULIPs be avoided due to change tax rule in budget 2021?

February 8, 2021 / M. Pattabiraman / @pattufreefincal

Budget 2021 came as a shock to insurers who sold ULIPs. Their tax-status was changed from tax-free to taxable as capital gains (like mutual funds). In this article we discuss a question posed by a reader: Should ULIPs be avoided due to change tax rule in budget 2021? When equity mutual funds became taxable in…

Continue reading →

Why an emergency fund is the foundation of investing

January 12, 2021 / M. Pattabiraman / @pattufreefincal

In this article, Sarthak Parikh explains the importance of an emergency fund; how much is necessary; where to park it and how the pandemic has increased the need for a robust emergency fund. COVID-19 has hit us all hard in ways that we had never envisaged. The fear of losing a job if you are…

Continue reading →

How long will an EPF account earn interest without contributions?

December 3, 2020 / M. Pattabiraman / @pattufreefincal

Recently, we received a query from a reader regarding some ambiguity in EPF interest rules. The reader was uncertain of how long an EPF account will earn interest if there is no contribution for 3 years or more than 3 years citing EPFO rules. About the author: Anjesh Bharatiya is a 30+ taxman by profession…

Continue reading →

WhatsApp Payments-What is it and How to use it

November 9, 2020 / M. Pattabiraman / @pattufreefincal

The National Payments Corporation of India (NPCI) has now permitted WhatsApp to launch its payments service in India in a graded manner. In this article, we look at the features of WhatsApp Payments facility. About the author: Anjesh Bharatiya is a 30+ taxman by profession and a Chemical Engineer by education. He has been an…

Continue reading →

Diwali edition of Sovereign Gold Bonds available bet 9-13th Nov 2020

November 7, 2020 / M. Pattabiraman / @pattufreefincal

Series VIII of Sovereign Gold Bonds 2020-21 will be available from November 09-13, 2020 with Settlement date November 18, 2020. During this period, the price will be Rs. 5177 per gram for offline subscriptions. Online purchases will cost Rs. 50 less. This is marginally higher than the seventh tranche which opened at Rs. 5041 and…

Continue reading →

GOI Bond 6.8% maturing 2060 Available Nov 3 and 4

November 3, 2020 / M. Pattabiraman / @pattufreefincal

Govt of India (GOI) has announced the sale (Re-issue) of 6.80% Government bonds maturing in 2060. Retail investors can participate in this sale via the NSEgoBid platform on Nov 3rd and 4th 2020 (10 am to 5 pm). The auction will be conducted by the RBI on Nov 6th. Details of the 6.8% GOI Bond: …

Continue reading →

Sovereign Gold Bond Scheme 2020-21 (Series VII): Should you buy?

October 10, 2020 / M. Pattabiraman / @pattufreefincal

The seventh tranche of Sovereign Gold Bonds 2020-21 (Series VII) will be available for sale from October 12-16, 2020. The issue price of the Bond per gram during the subscription period will be Rs. 5041  (down from Rs. 5,117 for series VI and  Rs 5,334 for series V). However,  it is not a product for…

Continue reading →

Sovereign Gold Bond Scheme Issue Dates October 2020 to March 2021

October 10, 2020 / M. Pattabiraman / @pattufreefincal

These are the issue dates of Sovereign Gold Bond Scheme 2020-21. The finance ministry has announced six further tranches for the current financial year. This is the schedule. Also see: Sovereign Gold Bond Scheme 2020-21 (Series VII): Should you buy? Tranche Subscription Dates Issue Dates 2020-21 Series VII October 12 – 16, 2020 October 20,…

Continue reading →

Sukanya Samriddhi Yojana Interest Rate History 2015 to Present

October 4, 2020 / M. Pattabiraman / @pattufreefincal

This is a table of Sukanya Samriddhi Yojana (SSY) interest rates from 2015 to the present. The current SSY Interest Rate (Oct to Dec 2020) is 7.60%. Sukanya Samriddhi Yojana Interest Rate History 2015 to Present Period Rate January 2021-March 2021 7.60% October 2020-December 2020 7.60% July 2020-September 2020 7.60% April 2020-June 2020 7.60% January…

Continue reading →

Here is how you can select mutual funds with lower risk & higher return

September 18, 2020 / M. Pattabiraman / @pattufreefincal

Here is a simple way to select mutual funds that have beat the category benchmark in terms of both return and risk over the last one, two, three, four and five years simultaneously! That is higher than the benchmark return and lower than benchmark risk.

Continue reading →

PPF Interest Rate History 1968 to Present

September 2, 2020 / M. Pattabiraman / @pattufreefincal

This is a table of PPF interest rates from 1968 to the present. The current PPF Interest Rate (Oct to Dec 2020) is 7.10%. PPF Interest Rate History 1968 to Present Period PPF Interest Rate 01.01.2021 to 31.03.2021 7.10% 01.10.2020 to 31.12.2020 7.10% 01.04.2020 to 30.09.2020 7.10% 01.07.2019 to 31.03.2020 7.90% 01.10.2018 to 30.06.2019 8.00%…

Continue reading →

Sovereign Gold Bond Scheme 2019-20 (Series IX): Should you buy?

February 3, 2020 / M. Pattabiraman / @pattufreefincal

Sovereign Gold Bonds 2019-20 (Series IX) will be opened for the period February 03-07, 2020. The issue price of the Bond during the subscription period shall be Rs 4,070 per gram

Continue reading →

Posts navigation

1 2 Next »
Join 2175 members and learn how to reach your financial goals like a pro with peace of mind!
Losing sleep over a possible market crash? Don't! You can now reduce fear, doubt and uncertainty while investing for your financial goals! Sign up for our lectures on goal-based portfolio management and join our exclusive Facebook Community. The 1st lecture is free!

Latest Resources

Guide to e-file Income Tax Return: ITR2, ITR3 and ITR5 for AY 2020-2021

My stock portfolio analysis

How Suhas tracks his MF investments and reviews financial goals

Get commission-free professional help!

List of Fee-only Financial Planners in India

Recent Posts

  • Will I get more returns from ELSS MFs because of lock-in? February 23, 2021
  • LIC Bima Jyoti Review: Why you should avoid! February 22, 2021
  • If you don’t take risks you cannot change your financial life! February 22, 2021
  • Is it illegal to disclose adsense income? February 21, 2021
  • Can I get better returns from stocks instead of equity mutual funds? February 21, 2021

Search freefincal for articles + tools

Download Robo Advisory Template!

Create a start to finish financial plan with the freefincal robo advisory template

Most Popular Content

What we can learn from Petrol, Diesel historical price inflation data

Do not expect returns from mutual fund SIPs! Do this instead!

Do Not Invest Rs. 50,000 in NPS for additional tax saving benefit in 2019!

Choose a topic and read all posts!

Join our exclusive Facebook Groups

Make money from your skills and build life long income!

Learn how to manage your portfolio regardless of market conditions!

Contact Freefincal

Bhaskarapuram, Mylapore, Chennai, Tamil Nadu 600004

We do not provide investment advice!

Connect with us on social media

  • Twitter @freefincal
  • Facebook
  • Youtube
  • Pinterest

Free Stuff!

Get to know us better and start investing the right way with these free resources!

Get our free e-books!

Watch My Talks

Mutual Fund Reviews

Tactical Asset Allocation (Market Timing)

Submit a Tip

We do not accept paid/free guest post requests. We do not work with professional content writers or marketing agencies. We do not participate in link exchanges or brand campaigns  Such emails will be deleted.

To submit a news tip or a topic that you would like us to write about, use: letters [AT] freefincal.com

Search the site

What our readers say!

⭐ ⭐ ⭐ ⭐ ⭐ Our Google My Business Rating is 4.9 stars! Check our reviews!

Follow us via:

  • Google News
  • Feedburner
  • Feedly
  • Linkedin Company Page
  • Reddit Community

Learn more about us:

  • Our Media Presence
  • Policies and Standards
  • About
  • Author
  • Privacy Policy
  • Site map for users