Dilzer Consultants - Investments and Financial Planning

An ISO 9001 (2008) Certified Company

   SEBI REGISTERED INVESTMENT ADVISOR

Category: Research Desk

Product Categorization

Product Categorization as per SEBI Rule – Research Desk Dilzer. Dear Clients some of your schemes have undergone product categorization changes. We are aware of this change and will need to see if firstly there is a category and attributes change in the scheme and also monitor its performance and suggest changes if it does not fall in line with the stated objective, and your goals.  We will revert to you individually should there be a change after monitoring the […]

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Analysis of Dividend Payout vs Systematic Withdrawal Option

Please find our in-house analysis of Dividend vs Systematic Withdrawal Option as per the new tax regime effective Budget 2018. IN the below analysis a real life example of a funds Net Asset Value, Dividend paid and Growth is assumed. In the Dividend Payout illustration, dividends paid out are assumed after DDT in the new tax regime. In the SWP illustration, a fixed withdrawal is assumed and capital gains under the new regime (FY18-19) is considered.   Under the new […]

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HOUSEHOLDERS INSURANCE ANALYSIS

Plan ICICI Lombard Home Insurance Policy HDFC Ergo Home Insurance Bajaj Alliance my Home Insurance Plan TATA AIG Insta Choice United India  Protection  Structure & Contents Structure & Contents Structure & Contents Structure & Contents Structure & Contents Coverage The policy covers losses to the structure and content of your home, that might occur due to a number of natural and/or man-made calamities like fire and special perils like missile testing and explosion, earthquakes, storm, theft and burglary. Fire & […]

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Financial Independence

What is financial independence? While there are many opinions to this answer, basically, being debt free and creating a nest egg that will allow a person to live the rest of his/her life in comfort; forms the cornerstone of financial independence.  Everyone would love to live a life where they do things that they enjoy without having to work at a job only for the financial security it provides. The ability to support oneself financially without relying on a job […]

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Government Application papers- how to apply for aadhar and PAN Offline and Online procedure

AADHAR The Aadhar card is a 12-digit unique-identity number issued by the Unique Identification Authority of India (UIDAI) to all the residents of India based on their biometric and demographic data. The Aadhar is provided to all residents of the country – that is, they should have been resident in India for more than 182 days. This automatically means that Non-Resident Indians (NRI) are not eligible for the Aadhaar card if they have not stayed in India for 182 days […]

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Research Note: Employee Provident Fund – How to Check Balance, Transfer or Withdraw

The Employee Provident Fund or EPF is one of the most important retirement savings schemes in India.  Here is some information on how to verify the balances and what are the methods to transfer or withdraw the money in the EPF account. Apply for UAN The UAN or Unified Account Number is an umbrella number for the multiple Employee Provident Fund Numbers or Member IDs allotted to an individual by various employers. The idea is to link these multiple employee […]

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Tax Saving Options

As the financial year draws to a close, tax planning becomes crucial. There are so many options out there, so to help ease your decision making, we have rated and compared the most popular schemes. To begin with, here’s a ready reckoner of the key provisions for Financial Year 2018-19: Tax Slabs:   Income Slab Tax Rate Individual Below 60 Senior Citizens Between 60-80 years Super Senior Citizens Above 80 years 0% Income up to Rs 2,50,000 Income up to […]

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Home Loans in India

  Home Loans in India               Home Loans in India are provided by a number of banks and financial insitutitions. The table below illustrates the key terms, rates of interest and conditions of some of these financial institutions.                    Bank / Home Finance Companies Interest rates Processing charges Prepayment charges Charges for loan transfer Late payment penalties Special Conditions   < 30 Lakh 30-75 Lakh Above […]

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Education Loans in India

The cost of education has been rising steadily at an average rate of 15% per annum. Therefore, an education loan is vital to bridge the gap between what the student can afford and the the tution they might have to pay. An education loan covers the following; 1) Basic Course fees 2)Related expenses such as accomodation, exam charges etc In an education loan, the student is the main borrower and the parent is the guarantor for the loan, or they […]

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MCLR vs Base Rate.

What is Base Rate? Our Central Bank (RBI) sets a minimum rate for loan borrowers below which banks are not allowed to lend money that is termed as Base rate. This was done to ensure that the customers would receive lower cost of funds with transparency in the credit market. Why use it over Base rate for loan computation? Till 1st April 2016, banks were using Base rate (introduced in the year 2010) for calculating interest on loan.  This replaced […]

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