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Thursday, 11 May 2023

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Reliance Jio 4G | News | Plans | MNP | Jio 4G Rates

Know about Reliance Jio and it's Plan in Detail

Jio, also known as Reliance Jio and officially as Reliance Jio Infocomm Limited (RJIL),is an upcoming provider of mobile telephony, broadband services, and digital services in India. Formerly known as Infotel Broadband Services Limited, Jio will provide 4G services on a pan-India level using LTE technology. The telecom leg of Reliance Industries Limited, it was incorporated in 2007 and is based in Mumbai, India.

The services were beta launched to Jio's partners and employees on 27 December 2015 on the eve of 83rd birth anniversary of late Dhirubhai Ambani, founder of Reliance Industries. It is now commercially launched on 1st September 2016 with the best telecom offering in India. Reliance Jio has set a target to bring on-board about hundred ( 100 ) million customers in the shortest possible time. This announcement has made other network providers run for their strategy . In the AGM ( annual General Meeting ) held by the business tycoon Mukesh Ambani has said, it will be the biggest change in India. " I have always set impossible goals for the Jio Team and they have always exceeded my expectations. So, today I set a target for team JIO to acquire 100 million customers on the Jio Network in the shortest possible time and create a new world record ," he said at RIL's 42th Annual General Meeting.

Reliance Jio has already on-boarded 15,00,000 users on it's 4G network, during the testing phase. Jio, which will compete head to head on with players like Bharti Airtel and Vodafone, will offer usrs data services absolutely free for 4 months from september 5th onwards . They have also offered close to 10 different tariff plans starting at rs19 for minimal data users to a whooping plan of INR 4999 per month for the heaviest data users, details of the Jio plans are given at later stage of the post.What can one get with Jio ?

With Reliance Jio sim on-board, you associate yourself with the word " DATA " . Jio offers cards for 4G enabled smartphones and 4G hotspots for wireless internet on the go It also offers JIO APPS that promise to offer exclusive content which includes music, videos, TV shows and movies for free. Jio is also offering budget-friendly smartphones via it's own subsidiary LYF Mobiles. The company has planned to launch home internet with speeds upto 1GBps. Whoaa !

Does it work only with LYF Mobiles or partner devices ?

Answer is No. With it's commercial launch, the JIO sim cards will be available at Reliance Digital Stores and Partner stores, which will be a normal sim ,compatible with any 4G enabled Handsets.

Can the activated sim work on other devices ?

This is a doubtful question, which is arising in everyone's mind. Answer is NO. Since, the sim is IMEI bound, it will only work on the device it was first activated in. So, it's a bit problematic, for those who uses multiple devices for their daily use.Also, as of now, Postpaid sims are currently not available.

Is JIO still in Preview stages or has it been launched fully ?

As per the latest buzz, Jio is still in test-phase, and hence you might face some issues. It will be launched completely in 2017. Till then , it is made available to public for free.

What are the Plans available with Reliance JIO ?

Reliance JIO Plans look very lucrative and cheaper as compared to its counterparts. The average data cost for 1GB of 4G will cost from 25-50 INR, which is almost 10 times cheaper than the current offerings.

Complete Reliance Jio Plans :

As you can see from above image, the JIO Plans are quiet cheaper than the current plans offered by various players. I must say, Reliance is going to create a " DATA " and "Tariff " war, which will benefit end-users like us.

"Customers should pay only for one service, voice or data, but not both. World wide operators charge only for data, voice and messages are free. All voice calls or JIO customers will be absolutely free. The era of paying for voice calls is ending. Jio will usher india into the new era" said Mukesh AAmbani. He also added that roaming charges will also be NIL across India for JIO Customers. " Data rates will be one-tenth of the prevailing data rates." In our data plans, the effective rates will be 5p per MB or Rs 50 per GB. The more data you use, the lower will be the rate." he said.

Amongst a whole host of offerings, Mukesh Amban made :

Starting from september 5th till Dec 31st 2016, Jio's bouquet of apps, all services will be available for free.
By March 2017, Jio will cover 90% of Indian Population
New handsets will start at Rs. 2,999
Roaming Charges will be zero for JIO Customers
Jio Will offer data at Rs. 50 per GB against Rs 250 per GB charged on an average by other Operators.

Review for Axis Mutual Fund - Long Term Equity FUND - Best Rated Mutual Funds by Crisil

Axis Long Term equity fund, earlier known as Axis Tax Saver is a very good plan if you are planning for long term wealth creation PLUS Tax saving. The objective of the scheme is to generate income and long-term wealth creation from a diversified portfolio of predominantly equity and equity related securities.

Axis Long Term Equity Fund was launched on December 2009, and is classified in the ELSS category of the CRISIL mutual fund ranking and has been at Top rank for last 13 quarters. The investments in ELSS funds are subjected to a lock-in period of three years in order to be eligible for tax deduction upto 1.5 Lakhs under section 80C of Income Tax Act. The lock-in creates a situation where both investor and fund manager interests are aligned in looking at long term opportunities and ignoring short term noise. Source

In Short, Axis Long Term Equity Fund is suitable for Investors who are seeking :

Capital appreciation over long term

Investment in a diversified portfolio predominantly consisting of equity and equity related instruments.

Scheme Details:

Fund Type : An Open-ended equity-linked savings Scheme with a 3 year lock-in

Investment Plan : Growth/ Dividend

Allotment date : Tuesday, December 29, 2009

Benchmark : S&P BSE 200

Minimum Investment : Rs.500 & in multiples of Rs.500 thereafter

Additional Purchase : Rs.500 & in multiples of Rs.500 thereafter

Sleep in Peace (SIP) : Monthly - Rs.500 & in multiples of Re.1 thereafter

Yearly - Rs. 6,000 & in multiples of Rs.500 thereafter

Entry Load : Nil

Exit Load : Nil (Since Inception)

Image Source

My Personal Review for Axis Long Term Equity Fund

I always encourage others to gain exposure to equity to beat inflation Good ELSS offer us two important benefits :

Long Term wealth creation
Tax savings under section 80c

The Axis Long Term Equity Fund or as a matter of fact, any ELSS performance mostly depends on the fund manager . That is why you need to keep an eye for fund manager changes. The performance of a fund will change in either of the two possible direction whenever manager changes.

Read : How is HDFC CREST ULIP Plan - Its Benefits and catch

The average expected return for this fund is as below :

1 year - 5.4 % ( Approx )

3 Years - 26.6 % ( Approx )

5 Years - 18.8 % ( Approx )

I will give you a real example Suppose you invest 5000 rupees per month in Axis Long Term Equity Fund for a period of 5 years, e.g 60 installments, then your total investment would be 300,000 rupees. As per the calculation of previous year, your Final value would be around 5,50,000 which amounts to approx 25% CAGR.

I must say, its a brilliant return. Plus you are getting tax benefit as well.

Sector Allocation & Holdings

It is also important to note that the fund has fairly diversified holdings. We can also see that the fund holds some high quality stocks as of today.

This is turn may translate into good returns in future as well for investors. Banking & Finance has the highest allocation. We can sense that this might have been done with the anticipation of economic recovery expected in nest 3-5 years time.

However if that happens or not is yet to be seen. The past performance of the fund may be better or worse and depends on how the underlying stocks perform.

My Final Rating : 4 / 5

*This is my personal review for AXIS LONG TERM EQUITY FUND ( TAX SAVER ) . Please go through more reliable sources, before making investments *

So, Based on my ratings and detailed information, What do you think ? Does this product deserves a place in your portfolio ?

Please share your views and queries in the comment section below .

Read : How is HDFC Pro-Growth ULIP SIP

Google Adsense Approval Trick 2016

How to get your adsense account approved within 3 days in 2016

Google Adsense ! One of the most trusted and professional method of earning by most blogger across globe by sharing their knowledge. Google adsense has got a huge number of both publisher and advertisers . Google adsense works with a sharing number of 68 : 32 , where 68% is for publisher and 32 % is kept by google.

Check the best ULIP Plan by HDFC and secure your secondary income

The very good news is “Getting Approval of Google Adsense is Now very Easy”, if you follow some basic rules from the starting of your blog, then approval for your google adsense account will be very easy.

So, here we go with the best and the basic steps needed to get your adsense account approved in no time.

How to participate in Google Adsense Program

There are few basic requirements for you to be eligible for Adsense program which includes :

1. Google Account

Of course you will be having Gmail account and if you don't, then first step towards participating in Google Adsense program is to create a Gmail Account from Here .

All Information on acceptance, rejection , payments etc related to Adsense program is mailed to your Gmail account by Google Adsense Team. You must be very cautious while providing your personal details at the time of account creation. If you provide wrong details like, name, address , age etc, then your participation might be rejected by the Adsense team.

2. Age Requirement

According to the Google Adsense Terms and Conditions applicant must be at least 18 years of age. So, if you are not of that age, then you will not be considered for the Adsense program irrespective of satisfying all conditions. In this case, a simple trick that you can provide details of your parents or your partner who is above the given age limit.

3. Website / Blog

It is very much compulsory for you to have your own website or blog so that you can access your HTML source code to place Adsense Ad units that in turn display Adsense Ads in your website. It is not a mandatory step to have a custom domain for your website but its advised to do so, because top level domains are preferred over blogspot or wordpress domains. You can go ahead and purchase a domain by referring to the site here .

4. Minimum Posts / Article / Page requirement for Adsense

For your website / Blog, a minimum of 15 quality article is required. Quality article means it should be extremely rich in content and make sure you use relevant images wherever required. And the most important part in Google Adsense program is that the article / content must be original and not copied from any other site. Try to include 3-4 lengthy articles of 2000-3000 words each.This practice will fetch you an extremely stunning results on your website.

You should have a good number of pages on your website. The most important page is PRIVACY POLICY, ABOUT US and CONTACT US.

5. Prohibited website Niches

Stats show that your Adsense account will go through a faster approval process if you havemore quality articles on your website from health , Internet Marketing , business law , Technology, Travel, Lifestyle, Social Media etc. Google will take a serious step if your website Niche is from any of the list Here.

6. Third Party Ads or Programme is a complete No No

Before you pitch your application for Google Adsense, make sure your website is not running any other third party Ads, otherwise it will hurt Mr. Google .

Google Adsense Team will strictly look into your website manually and they just hate seeing third party Ads running on your website. Stay away from this practice.Also, affiliate Ads hurt them a lot, so it's your responsibility to make Mr. Google happy by seeing your website.

7. Website Design and User Experience

Mr. Google always want to give their users the best experience while browsing through your website. Maintaining a clean and nice design with an excellent navigation throughout pages will make them happy enough to approve your Adsense account on the first go. So, make sure you maintain a neat and clean , user friendly design, which will make your users come a lot of time .

8. Google Analytics Code Integration

Adding Google analytics code to your website is a trusted factor for adsense approval. Adding analytics show that you are actively tracking your visitors.If you have not created an analytics account yet, you can click here to register

9. Google webmaster verification

Just like google analytics, you need to verify with Google webmaster program, which gives you a complete access to your website in search perspective. With this tool, you can also track your websites' critical error and warnings and fix them on a daily basis. Click Here to register and click on "Add a Site " to enter your website URL. Verify your site ownership by following any one of the recommended methods and complete the process to keep your account actively.

10. XML Sitemap Page

XML sitemap page doesn't take much of your time but gives you a very good result in search results. If you are using wordpress, then use Google XML Sitemap by Arne Brachhold. And if you are using any other platform , then you need to checkout XML - sitemaps for more info . This page will add a lot of value to your website indexing, so do it properly.

11. Robots.txt

Creating Robots.txt file on your site will get rid of indexing unwanted junk onto Google. You can check in detail about Robots.txt Here for your website.

12. Alexa Rank

Google Adsense considers the Alexa Rank , but many people has belief that it is not considered by Google. But my point is , I do believe in Alexa rank and it is very important for your websites' Google Adsense approval.

13. Decent Traffic and timely updated posts

Though a lot of portals mention that Google adsense doesn't require any certain amount of pageviews to approve your Adsense account, but I feel it gives your a faster approval if you have a decent traffic. So, try to focus more on SEO and social media approach to get some decent traffic to get Mr google''s attention to your website.

So, once your website is ready to roll, then apply for Google Adsense Here

and also, to be doubly sure, do go through Google Adsense TOC Here.

Still, if you find it difficult to get your adsense approval after multiple applications, then do contact me to help you get your adsense approval for a very minimal cost and time. Contact @ teknopanti@gmail.com

For your quick reference , go through this video below :

For other queries, you can post your comment below. I will be very happy to help you in getting your Google Adsense Approved.

HDFC Crest ULIP Life Insurance Plan Review

HDFC Crest Life Insurance ULIP Plan - Benefits , Procedure and catch

HDFC SL Crest

HDFC SL Crest claims that there should be a plan which should not affect your plans of securing happiness for yourself and your family. HDFC SL Crest is an insurance-cum-investment plan that aims at providing financial protection to your family. It acts as an investment option that provides the highest NAV ( Net Asset Value ) along with a guarantee on returns*. So, when you reap the returns in life, they are on crests and not on lows hence the name. In this plan, you can choose to invest in any one of the two options available : Highest NAV Guarantee Fund or free Asset Allocation Option.

What HDFC SL Crest Offers

The HDFC SL Crest offers :

Benefit of paying premiums for a limited term
Valuable financial protection to your family in case you are not around
Benefit of highest NAV at maturity
Benefit of Minimum guaranteed NAV of Rs.15 at maturity
An outstanding investment opportunity that maximizes your savings by providing you a choice of thoroughly researched investment selection.

Features and Benefits

Higher Allocations :

Level of Protection :

You can choose any amount as Sun Assured with a minimum of 10 Times and a maximum of 20 times your chosen regular premium.

Premium Paying Term : 5 years

Term Limits : Term of the policy is 10 years or 15 years

Age Limits :

Minimum age at the entry : 14 years

Maximum age : 55 years

Maximum Age at the maturity : 65 Years

Investment Options available :

Highest NAV guaranteed fund
Free asset allocation

Benefits

Choice of two investment options.
Benefit of minimum guaranteed NAV of Rs. 15 at maturity
On maturity , you will receive the fund value as per the investment option selected
It provides valuable protection to your family in case you are not around. In case of unfortunate occasions during the policy term, the amount higher then your sum assured will be paid to your nominee.
This plan can be taken by filling a short medical Questionnaire, which may not require you to go for various medical checks.
Tax benefits are offered under section 80C and 10D of income tax act, 1961

Application Process

It just takes a few minutes and clicks to get insured. Apply today and manage your finances easily

Apply Now

Our Final Verdict :

CREST is most likely an investment scheme than a Life insurance plan. The guarantee of Highest NAV of Rs 15 provided is an exceptional factor in this product. Also the higher lock period is an added advantage . The past records of HDFC is quite impressive and hence you can go ahead and make investments.

" Dont miss our review and procedure for HDFC ProGrowth Plus Plan "

HDFC Progrowth Plan SIP ULIP Insurance Mutual Fund Details

What is the return rate for HDFC ProGrowth Plan ? Is it safe to Invest in Mutual Funds or SIP or ULIPS ?

image Source

HDFC ProGrowth Plus :

HDFC ProGrowth Plus is a Unit Linked Insurance Plans ( ULIP ) , so there is not any bonus as such, but it has a lot of great features. If you keep insurance returns and Bonus aside, and think of best insurance plan to invest for great returns and tax saving under Income Tax Act ( 80 C ), then you are at the right place.

In this HDFC ProGrowth Plus plan, customer needs to pay the premium till the end of the policy tenure. There are five ( 5 ) types of funds for investment, where the policyholder can choose his investment portfolio based on his own risk tolerance level.

The two variants of Plan includes :

Life Cover Option - It's the basic version without any additional features.
Extra Life Cover Option - Here, in this plan, an in-built Accident death benefit is added by default. so, if you are choosing this plan, the sum insured alongwith death benefits are given to the nominee.

In both the variants, the Fund value is paid to the policyholder as Maturity Benefits.

Benefits of HDFC Life ProGrowth Plus Insurance Policy :

Death Benefit - In case of death of the Policy Holder within the Policy Tenure, the nominee will get higher of Sum Assured or Fund Value as Death benefit before terminating the policy.

Maturity Benefit - The all fund value is paid as maturity benefit on the policy maturity or end of the term plan duration.

Income Tax Benefit ( big one ) - Life insurance premiums pad up to Rs. 1,50,000 are allowed as a deduction from the taxable income each year under section 80 ( c ) subject to fulfilment of Terms and Conditions.

Eligibility Criteria and conditions in HDFC Life ProGrowth Plus Policy

HDFC-LIFE-Progrowth-Conditions-Eligibility

Additional Features and Benefits of HDFC Life ProwGrowth Plus Plan

Investment Fund Options

There are five investment funds available in this plan which includes :

Short Term Fund
Income Fund
Balanced Fund
Blue Chip Fund
Opportunities

Partial Withdrawl

Policy Holder is allowed to make partial withdrawals in this plan after completion of five years or the life assured is 18 years old, whichever is the case. The minimum amount of partial withdrawal is Rs. 10,000 and maximum withdrawal is allowed upto 300% of the regular premium amount.

FAQS related to HDFC Life ProGrowth Plans

What happens if :

you stop payment before 5 years - If the policy Holder stops paying the premium, the insurance cover will get terminated and the fund value net of any discontinuity charge will be taken by the autorized personal and then the amount invested plus benefits ( in 5 years ) will be paid back to the policy holder after the maturity of the plan. However , the policy can be revived within 2 years from the due date of the first unpaid premium.

you stop paying premium after 5 years or maturity -

If the policy holder wants to surrender the policy after maturity period, then the insurance cover will cease after that and your fund value will be paid immediately and policy will be terminated.

you want a loan against your policy - There is an option to apply for loan upto 40% if the surrender value provided the holder is above 18 years of age. The amount taken can be paid in emis or the amount will be adjusted during maturity.

Other ULIPS from HDFC Life Insurance

HDFC Life Crest Plan

HDFC Life Pro Growth Super II Plan

HDFC Life Pro Growth Maximiser Plan

HDFC Life Pro Growth Flexi Plan

HDFC Life Smart Woman Plan

HDFC Life Invest Wise Plan

Some ULIPS from Other Insurance Companies

ING Prospering Life Plan

LIC Endowment Plus Policy

Reliance Life Insurance Classic Plan

Birla sun Life 99 Tax Savings Plan

If you have any doubts or questions , please feel free to comment here.