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Trusted by 1L+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below
Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below
Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
Trusted by 3 Crore+ Indians
Want to Achieve any of the below Goals upto 80% faster?
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
LIC Surrender Value: Types & Procedure Explained
LIC Surrender Value: Types & Procedure Explained
Dec 18, 2023
15 Mins
Introduction
In the intricate tapestry of life insurance, the Life Insurance Corporation (LIC) of India stands as a colossal entity, offering an array of policies that weave security into the lives of millions. These policies, emblematic of long-term security and commitment, sometimes encounter crossroads where policyholders contemplate discontinuation. It's here that the concept of policy surrender emerges, a route less traveled yet significant in the insurance journey. This comprehensive guide embarks on an explorative journey into the world of LIC policy surrender, unraveling the layers behind this decision, its financial implications, and the mechanics of its process.
Embarking on this path is not just about understanding the nuts and bolts of policy surrender. It's about comprehending the financial landscape it inhabits, decoding the complex interplay of policy terms, surrender values, and the repercussions of early termination. This guide serves as a beacon, illuminating the path for policyholders navigating the decision to surrender their LIC policy.
From the decision's genesis to its culmination, we delve into every aspect of policy surrender. We'll explore what it means to surrender a policy, the financial aftermath, and how to tread this path with calculated steps. We'll dissect the types of surrender values, unravel the formulas behind their calculation, and paint a clear picture of what awaits at the end of this journey.
This guide is not just about numbers and calculations; it's about empowering policyholders with knowledge and clarity. It's about providing a roadmap that navigates through the complexities of policy surrender, ensuring that the journey, though divergent, is informed and transparent. Whether it's a pressing financial need or a strategic financial move, understanding the nuances of policy surrender is crucial.
As we embark on this expedition through the landscape of LIC policy surrender, our goal is to equip you with the tools and insights necessary to make informed decisions. We aim to transform this path, often shrouded in ambiguity, into a journey marked by clarity and confidence. Join us as we unfold the layers of LIC policy surrender, guiding you through each twist and turn of this less-traveled path.
What is Surrender Value?
Surrender value is the amount a policyholder receives from LIC when they decide to terminate their policy before it matures. It is applicable only after a certain number of years have elapsed, typically three years, and the policyholder has consistently paid the premiums. The surrender value is usually a portion of the premiums paid, minus any charges, and it varies depending on the policy type and the term completed.
Types of Surrender Value
Guaranteed Surrender Value (GSV): This is the minimum amount guaranteed by LIC when a policy is surrendered. It is usually a percentage of the total premiums paid, excluding the first year’s premium and any additional premiums.
Special Surrender Value (SSV): This value is generally higher than the GSV and is calculated based on the paid-up value of the policy, including bonuses. The SSV is a discretion of LIC and is influenced by factors like policy duration, market conditions, and the company’s performance.
Calculating the Surrender Value
For Guaranteed Surrender Value:
Formula: GSV Factor * Total Premiums Paid (excluding the first year and additional premiums)
Example: If the GSV factor is 30% and the total premium paid over three years is INR 1,05,000, the GSV would be 30% of INR 1,05,000, equating to INR 31,500.
For Special Surrender Value:
Formula: [(Sum Assured * (Number of Premiums Paid / Total Number of Premiums)) + Accumulated Bonuses] * SSV Factor
Example: For a policy with a sum assured of INR 5,00,000, where 10 out of 20 premiums have been paid, and accumulated bonuses amount to INR 50,000, if the SSV factor is 35%, the SSV would be calculated on the total of INR 2,50,000 (half of sum assured since half the premiums are paid) plus bonuses.
Factors Influencing Surrender Value
Policy Term: Longer policy terms generally have higher surrender values.
Premium Payment: Regular premium payments without defaults lead to better surrender values.
Market Conditions: Economic conditions and market performance can influence the special surrender value.
Step-by-Step Procedure for Policy Surrender
The decision to surrender an LIC policy is not just a financial move but a process that demands meticulous attention to detail and adherence to the guidelines set by LIC. Understanding each step in detail not only ensures a smooth surrender process but also assures that you are well-prepared for every aspect of it.
1. Preparing for the Visit:
Understanding the Need: Before embarking on the surrender process, it is crucial to assess the reasons behind this decision. Are there immediate financial needs, or are you redirecting your investment strategy? Understanding the 'why' helps in navigating the process more effectively.
Research and Consultation: Engage in thorough research or consult a financial advisor. Understanding the implications of surrendering your policy, especially how it affects your financial planning and insurance coverage, is essential.
2. The Branch Visit:
Choosing the Right Time: Timing your visit to the LIC branch can impact your experience. Consider visiting during off-peak hours to avoid long queues and ensure a smoother process.
Gathering Necessary Documents: Arrive prepared with all required documents. These typically include your LIC policy bond, valid ID proof, a canceled cheque for the bank account where funds will be credited, and any other documents as per LIC’s requirement.
3. Filling the Surrender Form:
Attention to Detail: When filling out the surrender form, ensure every detail is accurate. Mistakes or omissions can lead to delays in processing.
Seeking Assistance: If there are any doubts or clarifications needed while filling the form, do not hesitate to seek help from LIC officials. They can guide you through the form and explain any technical terms or conditions.
4. Submitting the Documents:
Document Verification: Once you submit the documents, LIC officials will verify them for authenticity and completeness.
Understanding the Terms: Be clear about the terms of surrender, including the surrender value you are entitled to and any applicable charges or deductions.
5. Processing the Surrender:
Waiting Period: Post submission, there is usually a waiting period of 7-10 days for the processing of the surrender.
Updates and Queries: Keep track of the process. If there are delays or if you haven’t received any updates, contact the branch for information.
6. Receiving the Surrender Value:
Bank Account Crediting: Once processed, the surrender value is credited to the bank account provided by you. Ensure that the account details are correct to avoid any transaction issues.
Acknowledgment: On receiving the funds, you may get an acknowledgment receipt or a statement detailing the transaction. Keep these documents for your records.
After the Surrender: Reflecting on Financial Health
1. Reassessing Financial Goals:
Future Planning: With the policy surrendered and the funds received, it’s time to reassess your financial goals. How does this decision impact your long-term financial health?
Investment Strategies: Consider reallocating the funds into other investment vehicles that align with your current financial goals and risk appetite.
2. Learning from the Experience:
Insights Gained: The process of surrendering a policy can provide valuable insights into financial planning and insurance needs.
Adapting Strategies: Use this experience to make more informed decisions about future investments and insurance purchases.
3. Moving Forward:
Financial Stability: Ensure that the decision to surrender the policy contributes to your overall financial stability and is not just a momentary fix.
Future Insurance Needs: Consider whether you need to purchase a new insurance policy to replace the coverage lost by surrendering the existing one.
4. Building a Financial Safety Net:
Emergency Funds: With the surrender value received, consider setting aside a portion for emergency funds if not already in place.
Diversification: Explore options to diversify your investment portfolio to mitigate risks and optimize returns.
Surrendering an LIC policy is a significant financial decision that goes beyond mere transactional steps. It’s a process that involves careful consideration, detailed planning, and strategic execution. By following the steps outlined in this guide and understanding the broader implications of surrendering a policy, you can navigate this process with confidence and assurance, ensuring it aligns with your overall financial objectives and future aspirations.
Disadvantages of Surrendering LIC Policy
Loss of Coverage: Surrendering a policy means losing life insurance coverage, defeating the primary purpose of having life insurance.
Reduced Returns: Surrendering a policy, especially in the early years, can result in receiving an amount much lower than the total premiums paid.
Loss of Bonuses: Accumulated bonuses are often lost or significantly reduced when a policy is surrendered.
Tax Implications: Any money received through surrender may be subject to taxes, depending on the policy terms and tax laws.
Alternatives to Surrendering a Policy
Policy Loan: Instead of surrendering, consider taking a loan against the policy.
Paid-up Option: Convert the policy to a paid-up policy, stopping premium payments but keeping the policy active at a reduced sum assured.
Conclusion:
Embracing the Decision with Clarity and Confidence
The journey of a LIC policyholder is akin to navigating a river with its myriad turns and tides. Surrendering a policy is one such significant bend in this journey. It's a decision that intertwines financial prudence with emotional resolve, marking a pivot from a long-term commitment to immediate financial need or strategic realignment. This comprehensive exploration of LIC policy surrender brings to light the intricate tapestry of factors, calculations, and consequences involved in this crucial decision.
Understanding the surrender of an LIC policy is more than just grappling with numbers and percentages. It's about appreciating the weight of financial decisions and their impact on your future. It's about recognizing that while the path of policy surrender may offer immediate relief or necessary redirection, it also carries with it the relinquishment of long-term security and benefits that these policies inherently promise.
The Financial Implications: A Calculated Approach
The core of this journey lies in understanding the financial implications - the surrender value. It's crucial to recognize that surrendering a policy is not merely about retrieving a part of your investments; it's a complex process that factors in time, premiums paid, and policy terms. Whether it's the guaranteed surrender value or the special surrender value, each reflects a part of your financial journey with LIC. These values are not mere figures but a testament to your investment journey - the premiums paid, the years invested, and the bonuses accrued.
The Surrender Value: A Reflection of Your Investment Journey
As you tread on the path of surrendering your LIC policy, it becomes essential to view the surrender value not just as a monetary return but as a mirror reflecting your policy's journey. This value, determined by meticulously crafted formulas, embodies the essence of your policy's life - how it grew, evolved, and now culminates. It's a number that tells a story - of your financial commitments, your planning, and the choices you make at life's crossroads.
Surrender as a Strategic Decision: Weighing Pros and Cons
The decision to surrender should not be taken lightly. It involves weighing the immediate financial gain against the loss of long-term benefits. It's about analyzing your current financial landscape and aligning it with your future aspirations. It's a strategic move that demands careful consideration of various factors - from personal financial health to future security.
A Journey of Financial Empowerment
As we conclude this comprehensive guide on LIC policy surrender, it's important to recognize that this journey is not just about the result - it's about financial empowerment. It's about making informed decisions, understanding the implications, and taking control of your financial destiny. Whether you decide to continue with your policy or choose to surrender, the knowledge and insights gained through this process empower you to make decisions that align with your financial goals and life's objectives.
The Role of Financial Advisors: Guiding You Through
In this complex decision-making process, the role of financial advisors cannot be overstated. They are the lighthouses guiding you through the foggy waters of financial decisions. Their expertise and insights can provide clarity, helping you navigate the intricacies of policy surrender and ensuring that your decision aligns with your overall financial plan.
Embracing Change with Informed Decisions
In the grand scheme of things, surrendering an LIC policy is about embracing change. It's about making informed decisions that reflect your current needs, future aspirations, and financial acumen. As you stand at this crossroads, equipped with knowledge and insights, remember that the path you choose should resonate with your financial narrative, echoing your goals and aspirations.
In conclusion, the journey of surrendering an LIC policy is a nuanced and multifaceted one. It's a path that demands careful consideration and informed decision-making. As you contemplate this decision, let the insights and knowledge gained be your guiding star, helping you navigate this journey with confidence and clarity. Remember, in the world of finance, every decision you make is a step towards shaping your future - make it count.
Introduction
In the intricate tapestry of life insurance, the Life Insurance Corporation (LIC) of India stands as a colossal entity, offering an array of policies that weave security into the lives of millions. These policies, emblematic of long-term security and commitment, sometimes encounter crossroads where policyholders contemplate discontinuation. It's here that the concept of policy surrender emerges, a route less traveled yet significant in the insurance journey. This comprehensive guide embarks on an explorative journey into the world of LIC policy surrender, unraveling the layers behind this decision, its financial implications, and the mechanics of its process.
Embarking on this path is not just about understanding the nuts and bolts of policy surrender. It's about comprehending the financial landscape it inhabits, decoding the complex interplay of policy terms, surrender values, and the repercussions of early termination. This guide serves as a beacon, illuminating the path for policyholders navigating the decision to surrender their LIC policy.
From the decision's genesis to its culmination, we delve into every aspect of policy surrender. We'll explore what it means to surrender a policy, the financial aftermath, and how to tread this path with calculated steps. We'll dissect the types of surrender values, unravel the formulas behind their calculation, and paint a clear picture of what awaits at the end of this journey.
This guide is not just about numbers and calculations; it's about empowering policyholders with knowledge and clarity. It's about providing a roadmap that navigates through the complexities of policy surrender, ensuring that the journey, though divergent, is informed and transparent. Whether it's a pressing financial need or a strategic financial move, understanding the nuances of policy surrender is crucial.
As we embark on this expedition through the landscape of LIC policy surrender, our goal is to equip you with the tools and insights necessary to make informed decisions. We aim to transform this path, often shrouded in ambiguity, into a journey marked by clarity and confidence. Join us as we unfold the layers of LIC policy surrender, guiding you through each twist and turn of this less-traveled path.
What is Surrender Value?
Surrender value is the amount a policyholder receives from LIC when they decide to terminate their policy before it matures. It is applicable only after a certain number of years have elapsed, typically three years, and the policyholder has consistently paid the premiums. The surrender value is usually a portion of the premiums paid, minus any charges, and it varies depending on the policy type and the term completed.
Types of Surrender Value
Guaranteed Surrender Value (GSV): This is the minimum amount guaranteed by LIC when a policy is surrendered. It is usually a percentage of the total premiums paid, excluding the first year’s premium and any additional premiums.
Special Surrender Value (SSV): This value is generally higher than the GSV and is calculated based on the paid-up value of the policy, including bonuses. The SSV is a discretion of LIC and is influenced by factors like policy duration, market conditions, and the company’s performance.
Calculating the Surrender Value
For Guaranteed Surrender Value:
Formula: GSV Factor * Total Premiums Paid (excluding the first year and additional premiums)
Example: If the GSV factor is 30% and the total premium paid over three years is INR 1,05,000, the GSV would be 30% of INR 1,05,000, equating to INR 31,500.
For Special Surrender Value:
Formula: [(Sum Assured * (Number of Premiums Paid / Total Number of Premiums)) + Accumulated Bonuses] * SSV Factor
Example: For a policy with a sum assured of INR 5,00,000, where 10 out of 20 premiums have been paid, and accumulated bonuses amount to INR 50,000, if the SSV factor is 35%, the SSV would be calculated on the total of INR 2,50,000 (half of sum assured since half the premiums are paid) plus bonuses.
Factors Influencing Surrender Value
Policy Term: Longer policy terms generally have higher surrender values.
Premium Payment: Regular premium payments without defaults lead to better surrender values.
Market Conditions: Economic conditions and market performance can influence the special surrender value.
Step-by-Step Procedure for Policy Surrender
The decision to surrender an LIC policy is not just a financial move but a process that demands meticulous attention to detail and adherence to the guidelines set by LIC. Understanding each step in detail not only ensures a smooth surrender process but also assures that you are well-prepared for every aspect of it.
1. Preparing for the Visit:
Understanding the Need: Before embarking on the surrender process, it is crucial to assess the reasons behind this decision. Are there immediate financial needs, or are you redirecting your investment strategy? Understanding the 'why' helps in navigating the process more effectively.
Research and Consultation: Engage in thorough research or consult a financial advisor. Understanding the implications of surrendering your policy, especially how it affects your financial planning and insurance coverage, is essential.
2. The Branch Visit:
Choosing the Right Time: Timing your visit to the LIC branch can impact your experience. Consider visiting during off-peak hours to avoid long queues and ensure a smoother process.
Gathering Necessary Documents: Arrive prepared with all required documents. These typically include your LIC policy bond, valid ID proof, a canceled cheque for the bank account where funds will be credited, and any other documents as per LIC’s requirement.
3. Filling the Surrender Form:
Attention to Detail: When filling out the surrender form, ensure every detail is accurate. Mistakes or omissions can lead to delays in processing.
Seeking Assistance: If there are any doubts or clarifications needed while filling the form, do not hesitate to seek help from LIC officials. They can guide you through the form and explain any technical terms or conditions.
4. Submitting the Documents:
Document Verification: Once you submit the documents, LIC officials will verify them for authenticity and completeness.
Understanding the Terms: Be clear about the terms of surrender, including the surrender value you are entitled to and any applicable charges or deductions.
5. Processing the Surrender:
Waiting Period: Post submission, there is usually a waiting period of 7-10 days for the processing of the surrender.
Updates and Queries: Keep track of the process. If there are delays or if you haven’t received any updates, contact the branch for information.
6. Receiving the Surrender Value:
Bank Account Crediting: Once processed, the surrender value is credited to the bank account provided by you. Ensure that the account details are correct to avoid any transaction issues.
Acknowledgment: On receiving the funds, you may get an acknowledgment receipt or a statement detailing the transaction. Keep these documents for your records.
After the Surrender: Reflecting on Financial Health
1. Reassessing Financial Goals:
Future Planning: With the policy surrendered and the funds received, it’s time to reassess your financial goals. How does this decision impact your long-term financial health?
Investment Strategies: Consider reallocating the funds into other investment vehicles that align with your current financial goals and risk appetite.
2. Learning from the Experience:
Insights Gained: The process of surrendering a policy can provide valuable insights into financial planning and insurance needs.
Adapting Strategies: Use this experience to make more informed decisions about future investments and insurance purchases.
3. Moving Forward:
Financial Stability: Ensure that the decision to surrender the policy contributes to your overall financial stability and is not just a momentary fix.
Future Insurance Needs: Consider whether you need to purchase a new insurance policy to replace the coverage lost by surrendering the existing one.
4. Building a Financial Safety Net:
Emergency Funds: With the surrender value received, consider setting aside a portion for emergency funds if not already in place.
Diversification: Explore options to diversify your investment portfolio to mitigate risks and optimize returns.
Surrendering an LIC policy is a significant financial decision that goes beyond mere transactional steps. It’s a process that involves careful consideration, detailed planning, and strategic execution. By following the steps outlined in this guide and understanding the broader implications of surrendering a policy, you can navigate this process with confidence and assurance, ensuring it aligns with your overall financial objectives and future aspirations.
Disadvantages of Surrendering LIC Policy
Loss of Coverage: Surrendering a policy means losing life insurance coverage, defeating the primary purpose of having life insurance.
Reduced Returns: Surrendering a policy, especially in the early years, can result in receiving an amount much lower than the total premiums paid.
Loss of Bonuses: Accumulated bonuses are often lost or significantly reduced when a policy is surrendered.
Tax Implications: Any money received through surrender may be subject to taxes, depending on the policy terms and tax laws.
Alternatives to Surrendering a Policy
Policy Loan: Instead of surrendering, consider taking a loan against the policy.
Paid-up Option: Convert the policy to a paid-up policy, stopping premium payments but keeping the policy active at a reduced sum assured.
Conclusion:
Embracing the Decision with Clarity and Confidence
The journey of a LIC policyholder is akin to navigating a river with its myriad turns and tides. Surrendering a policy is one such significant bend in this journey. It's a decision that intertwines financial prudence with emotional resolve, marking a pivot from a long-term commitment to immediate financial need or strategic realignment. This comprehensive exploration of LIC policy surrender brings to light the intricate tapestry of factors, calculations, and consequences involved in this crucial decision.
Understanding the surrender of an LIC policy is more than just grappling with numbers and percentages. It's about appreciating the weight of financial decisions and their impact on your future. It's about recognizing that while the path of policy surrender may offer immediate relief or necessary redirection, it also carries with it the relinquishment of long-term security and benefits that these policies inherently promise.
The Financial Implications: A Calculated Approach
The core of this journey lies in understanding the financial implications - the surrender value. It's crucial to recognize that surrendering a policy is not merely about retrieving a part of your investments; it's a complex process that factors in time, premiums paid, and policy terms. Whether it's the guaranteed surrender value or the special surrender value, each reflects a part of your financial journey with LIC. These values are not mere figures but a testament to your investment journey - the premiums paid, the years invested, and the bonuses accrued.
The Surrender Value: A Reflection of Your Investment Journey
As you tread on the path of surrendering your LIC policy, it becomes essential to view the surrender value not just as a monetary return but as a mirror reflecting your policy's journey. This value, determined by meticulously crafted formulas, embodies the essence of your policy's life - how it grew, evolved, and now culminates. It's a number that tells a story - of your financial commitments, your planning, and the choices you make at life's crossroads.
Surrender as a Strategic Decision: Weighing Pros and Cons
The decision to surrender should not be taken lightly. It involves weighing the immediate financial gain against the loss of long-term benefits. It's about analyzing your current financial landscape and aligning it with your future aspirations. It's a strategic move that demands careful consideration of various factors - from personal financial health to future security.
A Journey of Financial Empowerment
As we conclude this comprehensive guide on LIC policy surrender, it's important to recognize that this journey is not just about the result - it's about financial empowerment. It's about making informed decisions, understanding the implications, and taking control of your financial destiny. Whether you decide to continue with your policy or choose to surrender, the knowledge and insights gained through this process empower you to make decisions that align with your financial goals and life's objectives.
The Role of Financial Advisors: Guiding You Through
In this complex decision-making process, the role of financial advisors cannot be overstated. They are the lighthouses guiding you through the foggy waters of financial decisions. Their expertise and insights can provide clarity, helping you navigate the intricacies of policy surrender and ensuring that your decision aligns with your overall financial plan.
Embracing Change with Informed Decisions
In the grand scheme of things, surrendering an LIC policy is about embracing change. It's about making informed decisions that reflect your current needs, future aspirations, and financial acumen. As you stand at this crossroads, equipped with knowledge and insights, remember that the path you choose should resonate with your financial narrative, echoing your goals and aspirations.
In conclusion, the journey of surrendering an LIC policy is a nuanced and multifaceted one. It's a path that demands careful consideration and informed decision-making. As you contemplate this decision, let the insights and knowledge gained be your guiding star, helping you navigate this journey with confidence and clarity. Remember, in the world of finance, every decision you make is a step towards shaping your future - make it count.
FAQs 🤔
1. What is the surrender value of an LIC policy?
Answer: The surrender value is the amount a policyholder receives from LIC upon prematurely ending their insurance policy. It's calculated based on the premiums paid and the duration for which the policy has been active, with certain deductions.
2. Can I surrender my LIC policy at any branch?
Answer: No, the surrender process of an LIC policy must be initiated at the home branch where the policy was originally taken. Other branches do not process surrender requests.
3. How long does it take to receive the surrender value after submitting the request?
Answer: Once the surrender process is initiated and all required documents are submitted, it typically takes about 7-10 days for the surrender value to be credited to the policyholder's bank account.
4. Are there any penalties or charges for surrendering an LIC policy?
Answer: Surrendering an LIC policy before its term may involve certain deductions from the accumulated value. The exact charges depend on the policy terms and the period for which the policy was active before surrender.
5. Can I revive my policy after surrendering it?
Answer: No, once an LIC policy is surrendered, it cannot be revived or reactivated in the future. Surrendering a policy leads to the termination of the insurance coverage and all associated benefits.
1. What is the surrender value of an LIC policy?
Answer: The surrender value is the amount a policyholder receives from LIC upon prematurely ending their insurance policy. It's calculated based on the premiums paid and the duration for which the policy has been active, with certain deductions.
2. Can I surrender my LIC policy at any branch?
Answer: No, the surrender process of an LIC policy must be initiated at the home branch where the policy was originally taken. Other branches do not process surrender requests.
3. How long does it take to receive the surrender value after submitting the request?
Answer: Once the surrender process is initiated and all required documents are submitted, it typically takes about 7-10 days for the surrender value to be credited to the policyholder's bank account.
4. Are there any penalties or charges for surrendering an LIC policy?
Answer: Surrendering an LIC policy before its term may involve certain deductions from the accumulated value. The exact charges depend on the policy terms and the period for which the policy was active before surrender.
5. Can I revive my policy after surrendering it?
Answer: No, once an LIC policy is surrendered, it cannot be revived or reactivated in the future. Surrendering a policy leads to the termination of the insurance coverage and all associated benefits.
Author
Pluto Team
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