Author: Rajesh Singh

SBI’s Move to Approach CBI After Tagging Anil Ambani and RCom as ‘Fraud’:

SBI ka CBI ko approach karna Anil Ambani and RCom as ‘Fraud declare karne ke baad:

Background: Anil Ambani aur RCom ki Financial Crisis

Anil Ambani, jo ki ek waqt India ke sabse bade business tycoon the, aaj unki company, Reliance Communications (RCom), financial frauds aur mismanagement ke chakkar mein phans gayi hai. Ek waqt par RCom market mein ek major player tha, lekin company ne jo financial mismanagement ki uske baad company ko kaafi problems face karni padi.

RCom ne apne debts ko manage karne mein failure dikhayi, aur aaj company insolvency ke process mein hai. Reports ke mutabik, RCom ne kai crores ki amount udhaar li thi, jisko wo repay nahi kar paya. Iske alawa, company ke assets ko seize karke dues recover karne ki koshish ki gayi thi.

SBI bhi is issue mein involved hai aur bank ke mutabik, unhe fraud ki wajah se apne loans recover karne mein problems aa rahi hain. SBI ka kehna hai ki Anil Ambani aur RCom ne apni financial situation ko misrepresent kiya tha, jiske wajah se loans approve kiye gaye. Aur ab, SBI ne CBI se contact kar liya hai taaki case ko investigate kiya ja sake.

SBI ka CBI ko Approach Karna: Kya Matlab Hai?

SBI ka CBI se contact karna kaafi significant hai. Bank ka kehna hai ki yeh sirf ek corporate default ka case nahi, balki fraud ka case ho sakta hai. CBI jo ki corruption aur economic crimes ko investigate karta hai, ab is case mein involved hai.

Yeh move is baat ko darshata hai ki agar yeh allegations sach hai toh corporate governance mein badlav aa sakte hain. CBI ke involvement ke baad, yeh case public aur legal scrutiny ka samna karega, aur ho sakta hai ki future mein aur bhi companies ko apni financial dealings ko transparent banana pade.

Iske alawa, yeh bhi ek tarika hai SBI ke liye taaki wo Anil Ambani aur RCom pe pressure daal sake aur unhe apne dues settle karne ko bole, ya phir serious consequences face karein.

Anil Ambani aur RCom ke Khilaf Kya Allegations Hai?

Primary allegations yeh hain ki Anil Ambani aur RCom ne apne financial position ko galat tarike se dikhaya. SBI ka kehna hai ki RCom ne loan application ke waqt important financial information ko chhupaya tha, jiska asar loan approval par pada.

Iske alawa, RCom pe yeh bhi ilzaam hai ki company ne apne vendors aur creditors ko payments nahi diye, jisse company ki financial situation aur bhi badh gayi. Anil Ambani ne is allegation ko deny kiya hai, lekin legal aur financial pressures ab unke upar barh gaye hain.

Investors aur Corporate Sector par Iska Kya Impact Hoga?

Investors ke liye yeh news kaafi uncertain hai. RCom ki financial troubles ne already kai investors ko losses diye hain. Agar CBI investigation mein fraud prove hota hai, toh Ambani group aur telecom industry ki reputation par aur bhi bura asar pad sakta hai.

Yeh case dusre businesses ko bhi ek warning de sakta hai, taaki wo apne financial dealings ko transparent rakhein aur fraud se bachen. Agar CBI is case mein kisi conclusion tak pahuchti hai, toh yeh regulatory environment ko bhi change kar sakta hai.

Creditors ke liye yeh ek high-stakes battle hai, khaas karke SBI jaise public-sector banks ke liye. Agar CBI ki investigation mein kuch recovery hoti hai, toh yeh unke liye achi baat hogi, lekin process kaafi time le sakta hai.

Investigation ke Aage Kya Hoga?

Jaise hi CBI apni investigation shuru karegi, sabhi ki nazar is par hogi. Kya Anil Ambani ko fraud ke liye responsible thaharaaya jaayega ya phir matter bahut jaldi settle ho jayega? Investigation ka time frame uncertain hai, lekin is case ke outcomes kaafi important ho sakte hain.

Investors aur stakeholders dhyan se dekh rahe hain ki investigation ka result kya hota hai, aur agar koi recovery hoti hai toh wo kis tarike se hoti hai.

FAQs on SBI’s Approach to CBI and RCom Fraud

Q1: SBI ne CBI se contact kyun kiya Anil Ambani aur RCom ke liye?
SBI ne CBI se contact kiya hai kyunki unka kehna hai ki Anil Ambani aur RCom ne apne financial situation ko galat tarike se dikhaya tha, aur fraud ka case ho sakta hai.
Q2: Anil Ambani aur RCom ke khilaf kya charges hain?
Anil Ambani aur RCom par financial misrepresentation, fraudulent activities, aur payment obligations ko pura na karne ke ilzaam hain.
Q3: Yeh investors ke liye kaise impact karega?
Yeh news investors ke liye uncertainty create kar sakti hai. Agar CBI investigation mein fraud prove hota hai, toh RCom aur Ambani group ki reputation pe aur bhi bura asar ho sakta hai, aur share prices gir sakte hain.
Q4: Investigation mein kitna waqt lagega?
Investigation ka time frame uncertain hai, kyunki yeh case complex hai aur CBI ko evidence gather karna hoga.
Q5: Main apne aap ko aise corporate frauds se kaise bachaa sakta hoon?
Investors ko hamesha thorough due diligence karni chahiye kisi bhi company mein invest karne se pehle. Aap financial advisors se consult kar sakte hain aur Gromo Loans jaise platforms ko explore kar sakte hain taaki safe investment options mil sakein.
For more insights on related financial news, visit InvestSnow.

ITR Filing Last Date 2025: Everything You Need to Know







ITR Filing Last Date 2025: Everything You Need to Know


ITR Filing Last Date 2025: Everything You Need to Know

When it comes to tax filing in India, knowing the ITR filing last date 2025 is crucial. The Income Tax Return (ITR) filing is a legal requirement for individuals and businesses who meet specific income criteria. Filing your ITR on time ensures compliance, helps avoid penalties, and even offers some benefits such as tax refunds and loans. This blog post covers everything you need to know about the ITR filing last date 2025, including the steps, documents required, and the consequences of missing the deadline.

What is ITR?

Before diving into the last date, let’s briefly touch upon what ITR is. ITR, or Income Tax Return, is a form that individuals and businesses file with the Income Tax Department of India to report their income, expenses, tax payments, and other relevant details. It is mandatory for those whose income exceeds the basic exemption limit. Filing your return correctly not only ensures you stay on the right side of the law but also helps you in claiming refunds and carry forward losses.

ITR Filing Last Date 2025

The ITR filing last date 2025 is an important date for every taxpayer. For the financial year 2024-25, the last date for filing the ITR for individual taxpayers is typically 31st July 2025. However, for companies and other taxpayers under specific categories, the deadline might differ. Let’s break it down:

  • For individuals: July 31, 2025
  • For businesses and firms: September 30, 2025
  • For taxpayers who need to audit their accounts: September 30, 2025

If you miss the deadline, you may have to pay a penalty, and in some cases, you may lose out on the opportunity to carry forward certain losses.

Key Points to Remember:

  • If you fail to file your return on time, you may face a penalty of up to Rs. 5,000.
  • For delayed filings, the refund process may also be delayed.
  • Filing beyond the last date without a valid reason could result in prosecution.

Why Should You File Your ITR On Time?

Filing your ITR on time has numerous advantages:

  • Avoid Penalties: Missing the deadline could lead to late fees and penalties.
  • Claim Tax Refunds: If you’ve paid excess tax, you’ll get your refund only after filing your ITR.
  • Loan Applications: A filed ITR is essential when applying for loans, and many financial institutions require a recent return as proof of income.
  • Carry Forward Losses: If you incur losses, timely filing allows you to carry forward the losses to the next financial year.

Documents Needed for ITR Filing

Before heading to the ITR portal, ensure you have the following documents ready:

  • PAN Card: Permanent Account Number (PAN) is necessary for tax filing.
  • Aadhaar Card: Your Aadhaar number is also mandatory for ITR filing.
  • Form 16: If you are salaried, this form shows the income you earned and the tax deducted at source (TDS).
  • Bank Statements: To show interest income and any other deposits made during the financial year.
  • Investment Proofs: If you have made any investments eligible for tax deductions (e.g., PPF, NPS, or ELSS), keep the proof handy.
  • Other Income Proof: If you have rental income, business income, or any other form of income, make sure you have the supporting documents for these as well.

Steps to File Your ITR

Here’s how you can file your ITR smoothly:

  1. Login to the Income Tax Portal: Visit the Income Tax e-Filing Portal.
  2. Select the Correct ITR Form: Depending on your income type, select the relevant ITR form.
  3. Fill in the Details: Enter the required personal and income details. Cross-check with your Form 16 and bank statements.
  4. Verify and Submit: After filling in the details, verify your information and submit your return.
  5. E-Verify: Use options like Aadhaar OTP, Net Banking, or DSC for e-verification to complete your filing.

For more detailed instructions, check out Investsnow, where you can find useful tips on filing your ITR and tax-saving strategies.

Consequences of Missing the ITR Filing Deadline

If you miss the ITR filing last date 2025, you may face several consequences:

  • Penalty Charges: A late fee can be imposed, which could range from Rs. 1,000 to Rs. 5,000 depending on when you file.
  • Interest on Due Taxes: If there’s any outstanding tax to be paid, interest will be charged for late payment.
  • Delayed Refunds: Your tax refunds could be delayed.
  • Loss of Benefits: Certain benefits, such as carrying forward losses, may not be available after the deadline.

Frequently Asked Questions (FAQ) About ITR Filing Last Date 2025

1. Kab hai ITR filing ka last date?

ITR filing ka last date generally 31st July hota hai, lekin agar aapko audit karani hai ya kisi business ke liye file kar rahe hain toh yeh date badal sakti hai. Isliye, apne applicable date ko dhyan se check karein.

2. Agar ITR last date miss kar diya toh kya hoga?

Agar aap ITR file nahi karte hai, toh aapko penalty dena pad sakta hai, aur aapka tax refund bhi delayed ho sakta hai.

3. ITR file karne ke liye kaunse documents chahiye hote hain?

Aapko PAN card, Aadhaar card, Form 16, bank statements, investment proofs, aur other income related documents chahiye hote hain.

4. Main apna ITR kaise file kar sakta hoon?

Aap Income Tax Portal par jaake apna ITR file kar sakte hain. Form select karke, apni details bharni hoti hai aur verify karna padta hai.

Get Help with Loans Using ITR

Filing your ITR on time also plays a key role in securing loans. Many lenders require your ITR as proof of income when evaluating your loan application. Whether it’s for a personal loan or a home loan, a timely filed ITR can boost your chances of approval. For easy access to loan services, visit Gromo Loans.

Conclusion

To sum it up, ITR filing last date 2025 is crucial for every taxpayer. Mark the date, gather your documents, and make sure you file your taxes on time to avoid penalties and reap the benefits of timely compliance. Don’t forget to consult resources like Investsnow for expert tax-related advice.

Ensure that you are prepared and don’t miss out on important deadlines. Happy filing!

Internal Links:
Explore Tax Savings and Investment Options


Best LIC Policy for Tax Saving in 2025: A Complete Guide

What is the Best LIC Policy for Tax Saving in 2025?

Tax saving is one of the most critical financial goals for individuals in India, and Life Insurance Corporation of India (LIC) has been a trusted name for years when it comes to securing one’s financial future. The LIC offers a range of policies that not only provide life cover but also allow you to save on taxes, making them an attractive option for taxpayers. In this blog post, we will guide you through the best LIC policy for tax saving in 2025, which can help you make informed decisions. Let’s dive in!

Why Choose LIC for Tax Saving?

Before diving into the best policies, let’s understand why LIC is often considered the go-to option for tax-saving investments:

  1. Trustworthy and Reliable: LIC is one of the oldest and most respected insurance companies in India. With its vast network and financial stability, it offers customers peace of mind.
  2. Tax Benefits: Under Section 80C of the Income Tax Act, premiums paid for LIC policies are eligible for tax deductions. Additionally, the death benefit is tax-free under Section 10(10D).
  3. Comprehensive Coverage: LIC policies offer not just tax-saving benefits but also life coverage, making them a win-win.

Now, let’s explore the best LIC policies that can help you save taxes in 2025.

Best LIC Policies for Tax Saving in 2025

1. LIC Jeevan Anand (Plan 815)

LIC Jeevan Anand is one of the most popular policies for tax saving. It combines the benefits of endowment and whole life policies, offering a blend of life cover and savings. Here’s why it’s a great option for tax-saving:

  • Tax Deduction: Premiums paid for this policy are eligible for tax deductions under Section 80C.
  • Bonus Facility: This policy offers bonuses, which add to your policy’s value.
  • Life Cover: Offers coverage against death throughout your life, making it ideal for long-term financial planning.

This policy is an excellent choice for individuals looking for both tax-saving benefits and long-term financial security.

2. LIC Jeevan Life (Plan 836)

LIC Jeevan Life is another tax-saving policy that provides coverage against risks and offers tax deductions under Section 80C. Here’s why this is a solid option:

  • Tax Benefit: The premium paid towards this policy qualifies for tax deduction under Section 80C.
  • Maturity Benefit: The policy also provides a lump sum benefit upon maturity, adding to your tax-saving strategy.
  • Whole Life Cover: This policy provides lifelong coverage, ensuring that your family is financially protected even after you are gone.

For individuals who want both tax savings and comprehensive life coverage, LIC Jeevan Life is a great pick.

3. LIC New Endowment Plan (Plan 814)

LIC New Endowment Plan is one of the best LIC policies for tax savings, designed for individuals looking for a combination of savings and life cover. This policy is perfect for:

  • Tax Deduction: The premiums paid are eligible for tax deduction under Section 80C.
  • Risk Cover: In case of unfortunate death, your family receives the full sum assured, ensuring financial security.
  • Endowment Plan: This policy provides lump-sum benefits at maturity, offering financial support during retirement.

This plan is ideal for individuals seeking a policy that balances both tax-saving benefits and financial planning for future needs.

4. LIC Tax Plan (Plan 868)

This is a specialized LIC policy that focuses solely on tax-saving:

  • Tax Deduction: Premiums paid are eligible for tax deductions under Section 80C.
  • Riders: Optional riders can be added to enhance the policy’s coverage, making it customizable based on your needs.
  • Limited Premium Payment: The policy allows you to pay premiums for a limited period while enjoying coverage for a longer term.

LIC Tax Plan offers flexibility for those looking to save on taxes with a life cover that provides protection for a fixed period.

5. LIC Bima Shree (Plan 168)

LIC Bima Shree is a unique plan with a strong focus on tax saving and securing your family’s financial future. Key features include:

  • Tax Benefit: Premiums paid qualify for a tax deduction under Section 80C.
  • Life Cover and Savings: The policy provides life cover along with bonuses, making it a great way to save while ensuring financial security for your loved ones.
  • Maturity Benefit: Offers a sum-assured amount upon maturity, which you can use for your future needs.

LIC Bima Shree is perfect for individuals who are looking for both tax-saving opportunities and a comprehensive life cover.

How to Choose the Best LIC Policy for Tax Saving?

When selecting the best LIC policy for tax saving in 2025, consider the following:

  1. Premium Amount: Determine how much premium you can afford to pay without affecting your other financial obligations.
  2. Coverage: Check whether the policy offers the right amount of coverage for your needs.
  3. Policy Term: Consider the length of the policy term. Some policies require long-term commitment, while others are more flexible.
  4. Additional Benefits: Look for policies that offer additional benefits like bonuses, riders, or premium waivers.

Frequently Asked Questions (FAQ) in Hinglish

Q1: LIC policy ka tax benefit kitna hota hai?
A1: LIC policies under Section 80C offer tax deductions on premiums paid, up to ₹1.5 lakh per annum. Additionally, death benefits are tax-free under Section 10(10D).

Q2: LIC kaunsa plan sabse accha hai tax saving ke liye?
A2: LIC Jeevan Anand, LIC Jeevan Life, and LIC New Endowment Plan are some of the best plans for tax saving. These plans offer a combination of life cover and savings with tax benefits.

Q3: LIC ki tax saving policy ko kaise buy karen?
A3: Aap LIC ki website ya apne nearest LIC agent ke through policy purchase kar sakte hain. Aap humari website par bhi LIC ke plans ko compare kar sakte hain.

For further details on LIC tax saving policies or to find more options for tax saving through other financial instruments, you can visit our website.

Conclusion

Choosing the right LIC policy for tax saving in 2025 is crucial for effective financial planning. Each policy offers unique benefits, so it’s important to consider factors such as premium amount, coverage, and additional benefits before making a decision. Policies like LIC Jeevan Anand and LIC Jeevan Life are excellent choices for tax-saving purposes, ensuring both protection and savings.

For further assistance in choosing the best tax-saving policies or to explore a wide range of financial products, check out this affiliated link.

Remember, tax planning is an essential part of your overall financial strategy, and with LIC, you can secure your future while saving on taxes. Start planning today for a better tomorrow!

Groww vs Zerodha Comparison 2025: Which is the Better Trading Platform

Groww vs Zerodha Comparison 2025

Introduction

In 2025, online trading platforms are booming, offering an array of services that cater to both beginner and experienced investors. Among the top contenders are Groww and Zerodha, two platforms that have changed the way we invest in the Indian stock market. But which is better for you? In this article, we will dive deep into a Groww vs Zerodha comparison to help you make an informed decision.

Groww vs Zerodha: A Quick Overview

Before diving into the features, fees, and other details, let’s take a look at what both platforms bring to the table.

  • Groww: Originally a mutual fund investment platform, Groww has evolved into a full-fledged stock trading platform. It’s known for its user-friendly interface and easy-to-use mobile app.
  • Zerodha: Established as one of India’s largest stock brokers, Zerodha is famous for its low brokerage charges and sophisticated trading tools. It caters more to active traders and investors who want more control over their investments.

Groww Features: Simple and User-Friendly

1. Easy-to-Use Platform

Groww has made a name for itself by simplifying the process of investing in stocks and mutual funds. It’s designed for the millennial investor who may not have prior knowledge of trading. Whether you’re a beginner or looking for a simple experience, Groww delivers just that.

2. Low Fees and Zero Account Maintenance Charges

Groww provides an affordable trading experience with zero account maintenance charges, and they don’t have any hidden fees. This makes it a great option for those looking for a no-frills platform to start trading.

3. Investment Variety

While Groww started with mutual funds, it now also offers stocks, ETFs, and even Gold. However, for advanced features like margin trading, Groww is still developing, which could be a deal-breaker for seasoned traders.

4. Research and Analysis Tools

Groww’s research tools are somewhat basic compared to Zerodha’s, but they’re a good starting point for beginners. If you need in-depth market analysis, you may want to consider another platform or use external resources.

Zerodha Features: The Trader’s Platform

1. Low Brokerage Charges

Zerodha is one of the best platforms for active traders due to its low brokerage charges. You pay ₹20 or 0.03% (whichever is lower) per trade. This cost-effective structure can help you save money in the long run, especially if you’re an active trader.

2. Powerful Trading Platforms (Kite & Coin)

Zerodha’s Kite is one of the most popular trading platforms in India. It is known for its sophisticated charting tools and fast execution speeds, making it ideal for experienced traders. Additionally, Zerodha Coin offers an easy way to invest in mutual funds.

3. Extensive Research Tools

Unlike Groww, Zerodha offers a suite of advanced research tools that are perfect for traders who want to dive deep into market data. From real-time stock quotes to in-depth charting and technical analysis, Zerodha has it all.

4. Education for Traders

Zerodha also offers educational resources through Varsity, their comprehensive stock market education portal. It’s great for beginners and experts alike who want to enhance their trading skills.

Groww vs Zerodha: Key Comparisons

FeatureGrowwZerodha
Account Opening FeeFreeFree
Brokerage Charges₹20 per trade (for stocks)₹20 or 0.03% per trade
Trading PlatformsGroww app & web platformKite (advanced tools)
Research ToolsBasic (good for beginners)Advanced (ideal for traders)
Mutual Fund InvestmentYes (Zero commission)Yes (via Coin)
Customer SupportEmail & chat supportPhone, email, and live chat
Margin TradingNoYes

Fees and Charges: Groww vs Zerodha

One of the most important factors to consider when choosing a trading platform is the cost. Here’s how the two platforms stack up against each other:

  • Groww: Zero account maintenance charges and ₹20 per trade for stocks.
  • Zerodha: Zero account maintenance charges and ₹20 or 0.03% per trade.

Verdict: If you’re a beginner, Groww’s simpler fee structure might appeal to you. But, if you’re an active trader looking to make a lot of trades, Zerodha’s competitive pricing could be the right choice.

Which Platform is Right for You?

  • Choose Groww if:
    • You’re new to trading and want a simple, easy-to-navigate platform.
    • You want a free, hassle-free account setup and no account maintenance charges.
    • You’re mainly interested in long-term investing in stocks and mutual funds.
  • Choose Zerodha if:
    • You are an active trader who needs advanced tools and features like margin trading and sophisticated charting.
    • You want to save on brokerage charges and are making multiple trades.
    • You’re looking for educational resources to improve your trading knowledge.

Affiliated Link:

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FAQs: Groww vs Zerodha (Hinglish)

Q1: Groww ya Zerodha mein se kaun sa platform behtar hai?
A1: Agar aap beginner ho aur simple platform chahte ho, toh Groww acha hai. Agar aap experienced trader ho aur aapko advanced tools aur low brokerage charges chahiye, toh Zerodha better option hai.

Q2: Zerodha pe brokerage charges kitne hain?
A2: Zerodha ka brokerage ₹20 per trade hai ya 0.03% jo bhi kam ho, stock aur equity options ke liye.

Q3: Groww kis type ke investments offer karta hai?
A3: Groww mutual funds, stocks, ETFs aur Gold ke liye investment options offer karta hai.

Conclusion: Groww vs Zerodha in 2025

Ultimately, both Groww and Zerodha have their unique advantages. If you’re just starting your trading journey, Groww’s simplicity and ease of use are appealing. On the other hand, if you’re a seasoned trader who wants advanced tools, features, and cost-effective brokerage, Zerodha should be your go-to platform.

For more details on investment options, check out Invest Snow.

Whether you’re interested in long-term investing or active trading, make sure to choose the platform that suits your needs and helps you reach your financial goals.

Health Insurance for Parents Above 60 with Pre Existing Disease – A Complete Guide (2025)

🏥 Health Insurance for Parents Above 60 with Pre Existing Disease – A Complete Guide

As our parents age, their health becomes a priority — and so does getting the right health insurance, especially when pre-existing diseases are involved. If you’re searching for health insurance for parents above 60 with pre-existing disease, you’re not alone. Let’s break down everything you need to know, without the jargon.

🧓 Why It’s Crucial to Have Health Insurance After 60

Once someone turns 60, the risk of chronic conditions like diabetes, hypertension, heart disease, or arthritis increases. These pre-existing diseases can make finding affordable and comprehensive coverage challenging. But in 2025, several insurers now offer specialized senior citizen health insurance plans.

📌 Key Features to Look For

When choosing a plan for your parents, focus on the following:

  • ✅ Pre-existing Disease Coverage (from Day 1 or minimal waiting period)
  • ✅ Cashless Hospitalization
  • ✅ Annual Health Checkups
  • ✅ Lifelong Renewability
  • ✅ Home Care or Domiciliary Benefits

🔗 Read our Retirement Planning section for more family finance tips.

🏦 Top Health Insurance Plans for Parents Over 60 (2025)

Insurance PlanPre-Existing Disease Waiting PeriodCoverageMax Entry Age
Care Senior24 months₹3 – ₹10 LakhsNo Upper Limit
Star Health Red Carpet12 months₹1 – ₹25 Lakhs60 – 75 Years
Tata AIG Medicare Senior24 months₹2 – ₹10 Lakhs61 – 65 Years
Niva Bupa Senior First24 months₹5 – ₹25 Lakhs60+

👉 You can explore and apply for plans via this partner link for fast assistance and instant quotes.

💡 Tips for Buying Health Insurance for Parents Over 60

  • ✔ Disclose all health issues honestly
  • ✔ Opt for higher sum insured (₹5L or above)
  • ✔ Choose plans with lower waiting period
  • ✔ Read exclusions and room rent limits carefully
  • ✔ Use the portability option if needed

🧾 Also check if your current employer policy offers parental cover – this can be an added benefit.

🔍 Can Pre-Existing Diseases Be Covered Immediately?

Many insurers have started offering coverage for pre-existing diseases from Day 1, especially with higher premiums. Some even provide add-ons or riders that reduce waiting periods for specific conditions.

🔗 Read more on Investing Tips for planning long-term elderly care funds.

💰 Cost of Premiums for Senior Citizen Plans

Premiums for people above 60 generally range between ₹12,000 to ₹40,000 annually, depending on:

  • Age
  • City of residence
  • Number of pre-existing illnesses
  • Coverage amount

Pro Tip: Use the free quote calculator on this link to compare the latest rates.

🤝 Internal Links You Should Explore:

❓ FAQ – Health Insurance for Senior Citizens in Hinglish

Q1. Kya 60+ age mein health insurance lena possible hai?

Haan, bilkul! Aaj ke time mein kai insurance companies specially senior citizen ke liye plans deti hain jo pre-existing diseases ko bhi cover karti hain.

Q2. Pre-existing disease ka matlab kya hota hai?

Pre-existing disease ka matlab hai koi bhi bimari jo insurance lene se pehle already diagnosed ho – jaise ki diabetes, BP, ya heart issues.

Q3. Waiting period kitna hota hai?

Normally 1-4 saal ka waiting period hota hai, lekin kuch policies mein aapko rider leke isse kam bhi kar sakte ho.

Q4. Kaunsa plan best hai parents ke liye?

Star Health Red Carpet aur Care Senior Plan senior citizens ke liye kaafi ache options hai, specially agar unhe koi chronic illness hai.

Q5. Premium kaise kam kar sakte hai?

  • Healthy lifestyle maintain karke
  • Co-pay option choose karke
  • Riders avoid karke (agar zarurat nahi hai)

🖊 Conclusion

Choosing the right health insurance for your parents above 60 can protect your family from sudden medical bills and give peace of mind. Make sure to research well, compare plans, and always read the fine print.

👉 Apply via trusted health insurance partners here to get custom quotes and expert help.

📌 Tags:

health insurance, parents above 60, pre existing diseases, senior citizen health plans, insurance guide, personal finance, retirement planning

Forton Business Plan: Passive Income Ka Naya Tareeka (2025 Guide)

Forton Business Plan: Passive Income Ka Naya Tareeka

Aaj ke digital yug mein jab har koi ghar baithe paise kamane ka sapna dekhta hai, waha Forton Business Plan ek real solution lekar aaya hai. Agar aap bhi bina kisi product bechne ya team banane ke paisa kamana chahte hain, to Forton aapke liye perfect platform ho sakta hai.

Kya Hai Forton?

Forton ek smart earning decentralized platform hai jo blockchain par kaam karta hai. Iska sabse bada fayda yeh hai ki isme koi middleman, admin ya company interference nahi hota. Aapka paisa directly aapke crypto wallet me aata hai.

➡️ Join Forton Now

Forton Business Plan Highlights

FeaturesDescription
Joining Amount₹800 (Toncoin me via Tonkeeper App)
Income TypePassive (Non-working) + Team Income (Optional)
PlatformDecentralized Smart Contract
Earning200% Auto Return
WithdrawalInstant in Tonkeeper Wallet

Step-by-Step Joining Process

  1. Download Tonkeeper App from Play Store.
  2. Create Wallet and Secure it.
  3. Add Toncoin (worth ₹800 approx).
  4. Visit https://forton.app/?ref=25850
  5. Connect Wallet and Confirm Joining.

Forton Income Plan

1. Passive Income (Non-Working)

  • Bas ₹800 invest karne par aapko 200% tak auto-return milta hai.
  • Without any referrals ya team banaye.

2. Referral Income (Optional)

  • Har referral par up to 20% direct bonus.
  • Referral income bhi instantly aapke Tonkeeper wallet me aata hai.

3. Auto Level Income (Unlimited)

  • Aapke niche join hone wale log chahe directly ho ya indirectly – sabse commission milta hai.

Forton Ke Fayde (Why Join Forton?)

  • ✅ No Target, No Product Selling
  • ✅ 100% Transparent – Blockchain Based
  • ✅ Lifetime Earnings with One-Time Investment
  • ✅ 100% Control in Your Hands
  • ✅ Support from Growing Community

🔗 Read More: InvestSnow.in – Digital Earning Tools

Passive Income Ka Future – Forton Se

Agar aap ek working professional ho ya student, Forton aapko ek aise income ka model deta hai jahan aap apna paisa grow kar sakte ho bina daily kaam ke. Is system ko use karne ke liye kisi bhi technical knowledge ki zarurat nahi hai.

➡️ Abhi Join Karein – Forton App

FAQs (Frequently Asked Questions)

Q. Forton kya hai?
A. Forton ek decentralized earning platform hai jahan aap ₹800 invest karke 200% passive income kama sakte hain.

Q. Kya mujhe kisi ko refer karna hoga?
A. Nahi, yeh non-working plan hai. Refer karna optional hai – lekin referral se extra income milti hai.

Q. Paisa kaise milega?
A. Direct aapke Tonkeeper wallet me – instantly.

Q. Forton me paisa kaise lagayein?
A. Tonkeeper App download karen, wallet me Toncoin add karein aur is link se join karen.

Q. Kya yeh system safe hai?
A. Yes! Forton smart contract blockchain pe based hai. No admin, no control – sab kuch automated hai.

Final Words

Forton Business Plan ek simple aur safe platform hai jahan se aap chhoti si investment se ek acchi passive income bana sakte ho. Agar aap naye ho aur ek trusted earning source dhoond rahe ho, to Forton zarur try karen.

🔗 Join Now with My Referral ID: https://forton.app/?ref=25850
📌 Visit for More Digital Income Tools: InvestSnow.in

Tags: Forton Business Plan, Passive Income, Crypto Earnings, Decentralized Earning, Tonkeeper Wallet, Forton Referral Plan

✅ 6. Internal & External Links:

How to Claim Insurance in Case of Bike Theft

How to Claim Insurance in Case of Bike Theft – Step-by-Step Guide

Focus Keyword: How to Claim Insurance in Case of Bike Theft

Bike theft in India is unfortunately common, especially in crowded cities. Imagine waking up one morning, ready to ride to work or college—and your beloved bike is gone! If you’ve purchased a comprehensive bike insurance policy, don’t panic. This guide will walk you through how to claim insurance in case of bike theft in a simple, practical, and fully legal way.

Table of Contents

Step 1: File an FIR at the Nearest Police Station

The first and most important step is to visit your local police station and file a First Information Report (FIR). The insurance company will not process your claim without this legal document.

Step 2: Inform Your Insurance Company Immediately

Call your insurance provider’s customer care or use their mobile app/website to inform them about the theft. Most insurers have a 24–48 hour window to report the incident.

Step 3: Submit Required Documents

Gather and submit the following documents:

  • Copy of FIR
  • Insurance Policy document
  • RC (Registration Certificate) of the bike
  • Driving License
  • Original keys
  • Form 28, 29, 30 (duly filled)

Step 4: Cooperate in Police Investigation

Police will start an investigation and try to trace the bike. The insurer may also appoint an independent surveyor to verify the case.

Step 5: Get the Non-Traceable Report

If the police are unable to find your bike within 30–90 days, they will issue a “Non-Traceable Certificate.” This is essential for your insurance claim approval.

Step 6: Claim Settlement Process

After receiving the non-traceable report, the insurer will verify the documents and assess the bike’s Insured Declared Value (IDV). The settlement amount is usually transferred to your bank account within 7–15 days.

Pro Tip: If you’re looking for quick and reliable bike insurance deals, check out this platform. You can even buy policies with zero paperwork!

Tips to Avoid Bike Theft in Future

  • Always park your bike in well-lit, secure areas.
  • Use dual locks – handle lock + disk lock.
  • Install GPS tracker.
  • Don’t share duplicate keys.
  • Buy anti-theft add-ons in your insurance policy.

FAQs – Bike Theft Insurance Claim Process (Hinglish)

Q1. FIR zaroori hai kya?

Haan, bina FIR ke insurance claim accept nahi hota. Police report pehle file karein.

Q2. Insurance claim mein kitna time lagta hai?

Typically 15-30 days after submission of all documents and non-traceable certificate.

Q3. Agar bike EMI pe li hai to kya claim milega?

Bilkul! But claim amount lender ko bhi ja sakta hai depending on loan agreement.

Q4. Sirf third-party insurance se claim milega kya?

Nahi, theft ka claim sirf *comprehensive insurance* policy holders ko milta hai.

Q5. Kya bike theft ke liye koi acchi policy hai?

Haan, aap yahan click karke affordable aur secure policies compare kar sakte ho.

Bike theft can be stressful, but knowing how to claim insurance in case of bike theft makes the process much smoother. Don’t forget to renew your policy on time and always opt for comprehensive coverage for maximum safety.

Want more tips on finance, insurance, and investing? Visit our blog at Invests Now for detailed guides and expert advice.

How to Avoid TDS on Fixed Deposits – Smart Legal Ways You Should Know

How to Avoid TDS on Fixed Deposits

Fixed Deposits (FDs) are a favorite among Indian investors for their safety and assured returns. But there’s a catch — TDS (Tax Deducted at Source) eats into your interest income if it crosses ₹40,000 in a year (₹50,000 for senior citizens).

Worried about TDS on your FD interest? Let’s explore legal ways to avoid TDS on Fixed Deposits, so you can maximize your returns smartly and safely.

1️⃣ Submit Form 15G / 15H to Your Bank

If your total income is below the taxable limit, you can avoid TDS deduction by submitting:

  • Form 15G (for individuals below 60 years)
  • Form 15H (for senior citizens)

👉 These forms declare that your income is not taxable, so no TDS should be deducted.

🔗 How to Download & Submit Form 15G/15H (BankBazaar)

2️⃣ Open FDs in the Name of Non-Taxable Family Members

You can invest in your spouse’s or parents’ name (if their income is below taxable limit) and ensure the interest earned is within the non-taxable slab.

✅ Pro Tip: Ensure proper income clubbing rules are followed. You can learn about this from experts on Invest Snow.

3️⃣ Split Fixed Deposits Across Banks

Banks deduct TDS only if interest from that bank exceeds ₹40,000 (₹50,000 for senior citizens) annually. You can split your deposits across multiple banks to keep the interest below the threshold in each.

4️⃣ Choose Cumulative FDs with Long Tenure

In a cumulative FD, interest is compounded but paid at maturity — so TDS applies only in the year of maturity. This defers your tax liability legally.

5️⃣ Opt for Tax-Free Investment Alternatives

Consider diversifying into instruments like:

  • Senior Citizen Savings Scheme (SCSS)
  • Tax-Free Bonds
  • Public Provident Fund (PPF)

These are exempt from TDS and may offer better tax-adjusted returns.

6️⃣ Use a Joint Account with Strategic Planning

Joint Fixed Deposits with family members can help you split interest income and possibly stay below the TDS limit individually. But taxation will depend on the first holder’s PAN.

7️⃣ Invest via Corporate FDs Offering Higher Post-Tax Returns

Some reputed companies offer Corporate FDs with better rates. However, check credit ratings before investing.

👉 Recommended: Apply for loans or check financial products at Gromo Loan Offers for better financial planning.

FAQs – Fixed Deposit TDS से कैसे बचें?

Q1: क्या FD पर TDS से पूरी तरह बचा जा सकता है?
✔️ हां, अगर आप सही तरीके जैसे 15G/15H जमा करते हैं या निवेश को सही तरीके से प्लान करते हैं, तो आप TDS से बच सकते हैं।

Q2: अगर TDS कट गया तो क्या वापस मिल सकता है?
✔️ हां, Income Tax Return (ITR) में क्लेम कर सकते हैं।

Q3: FD को छोटे-छोटे अमाउंट में करने से फायदा होता है?
✔️ हां, इससे आप बैंक-वार लिमिट से नीचे रह सकते हैं और TDS से बच सकते हैं।

Conclusion

Avoiding TDS on Fixed Deposits isn’t about dodging taxes — it’s about smart, legal tax planning. If your income is within limits or you plan your investments wisely, you can maximize your FD returns without unnecessary deductions.

For more tax-saving tips and investment insights, check out our articles at Invest Snow.

Recommended Read:

👉 How to Invest in Mutual Funds with ₹500 Only

Affiliate Disclosure:
We may earn a commission if you apply for financial products via our links like this Loan & Financial Products on Gromo — at no extra cost to you.

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