EARN INTEREST @11.25% ON SAFE INVESTMENT IN PGF

EARN HIGH RATE OF INTEREST WITH SAFE INVESTMENT
IN PGF RECURRING DEPOSIT & FIXED DEPOSIT SCHEME
WITH GURANTTED 11.25% RATE THAT IS HIGHER THAN
ANY PSU BANK & OTHER INVESTMENTS

BENEFITS
HIGHER RATE OF INTEREST
ACC DEN BENEFIT INCLUDED
AFTER 3 YEARS LOAN AVAILABLE
NO ANY PROOF REQURIED FOR JOIN
GURANTTED INCOME
COMPANY REGISTERED WITH FICCI


FOR MORE DETAILS CONTACT
VEENA DHINGRA
MOBILE NO 09988680680

INSURANCE

INTRODUCTION TO INSURANCE

Insurance is the method of spreading and transfer of risks. Losses of unfortunate few are shared by and spread over to many exposed to the same risk. Assets created by the owner in expectation of future needs or benefits have a value. Loss of assets for any reasons deprives the owner of the expected benefit. Insurance in this context is a mechanism that helps to reduce the adverse consequences due to loss of assets.

CLASSIFICATION OF INSURANCE

Life is full of uncertainty. Trials and tribulations abound in each and every aspect of Life. No One can truly predict or even estimate what the future has in store for him. Life offers no guarantees by itself, except the incidences of death and taxation.
This lack of security present throughout life can be overcome partially through insurance. Insurance can never replace or repair a loss. But the monetary value offered by insurance helps in adjusting to the new circumstances.
Despite offering innumerable options and immense scope, insurance can be classified into four categories.
1. Insurance of Person
2. Insurance of Property
3. Insurance of Interest
4. Insurance of Liability

LIFE INSURANCE

Life Insurance is a contract for payment of a sum of money to the person assured (or failing him/her, to the person entitled to receive the same) on the happening of the event insured against.

Usually the insurance contact provides for the payment of an amount on the date of maturity or at the specified dates at periodic intervals or at unfortunate death if it occurs earlier. Obviously, there is a price to be paid for this benefit. Among other things, the contract also provides for the payment of premiums by the assured. Life insurance is universally acknowledged as a tool to eliminate risk, substitute certainly for uncertainty and ensure timely aid of the family in the unfortunate vent of the death of the breadwinner. In other words, it is the civilized world’s partial solution to the problems caused by death.

In a nutshell, life insurance helps in two ways: premature death, which leaves dependent families to fend for itself and old age without visible means of support.

Apart from statutory obligations, insurance is a way of covering the costs arising from disasters of various kinds. The principle of insurance is that the losses of the few are borne by the contributions of many. Many people pay into a common pool, and those who incur losses can draw money from the pool. Insurance services bring benefits to individuals, businesses, and society as a whole, and also provide opportunities for people to find fulfilling careers.

PROFESSIONAL COURSES BY IIBMS

COURSES OFFERED DURATION FEES

01.} DBM: Diploma in Business Management. 4 Months to 1Year-Rs.6,800/-

02.} PGDBM: Post Graduate Diploma in Business Management. 6 Months - 2 Yrs -Rs.14,800/-

03.} GDM: Graduate Diploma in Management. 1Year to 3 Years - Rs.18,800/-

04.} CCA: Chartered Certified Accountant. 6 Months - 2 Yrs -Rs.16,800/-

05.} CFM: Chartered Finance Manager. 6 Months - 2 Yrs -Rs.22,800/-

06.} MBA: Master Program in Business Administration. 1Year to 2 Years - Rs.20,800/-

07.} EMBA: Executive Masters in Business Administration. 1Year to 2 Years - Rs.24,800/-

08.} MMS: Masters in Management Studies. 1Year to 2 Years - Rs.35,800/-

09.} MBA 4 SEM: Masters in Business Administration. 1Year to 2 Years - Rs.38,800/-

10.} DMS: Doctorate in Management Studies. 1Year to 2 Years - Rs.49,800/-

11.} SPECIALIZATION: List of over 100 Specializations. Rs.5000/- Per Spz

Enrollment procedure for the MBA is as follows: Admissions for MBA are currently open. The Enrolment / Application form duly filled & signed. Three photocopies of last passing certificate and Marks sheet. Three Passport size photographs. Documents can be sent via courier/post and/or can be submitted in person at any designated branch. Payment mode Cash/Bank Draft / Cheque /Online Transfer to IIBMS Account, Branch Director Account, Country Director Account. If you are interested in any of our program or have any queries, please feel free to contact undersigned. You can visit to our institute at Hyderabad / Mumbai / call us / mail us your query to our emailid

Warm RegardsMS. Poonam -09376066663

Guildlines Related To Provident Fund

1. Purpose:

To provide clarity on provident deductions & contributions this is a mandatory statutory compliance.

2. Scope:

This is a statutory provision, which is a part of the social security measures of the Government of India, applies to all the employees on board, across the organization.
An employee is covered under the scheme and enrolled as a member of the PF Scheme from the day one of his joining the establishment.
Employees and the employer have to contribute equal %age of contribution towards the fund administered by the Provident Fund organization.

3. Contribution:

Employee Contribution: The present rate of contribution is 12% of Basic Pay, which is deducted from the employees’ salary every month, and the same is deposited along with the employer's contribution.

Employer’s Contribution: the employer’s contribution is 12%. This contribution towards the fund is broken as per the provisions of the scheme:

Employee Share Employer Share
PF Pension Fund PF Pension Fund
12% NIL 3.67% 8.33%

Note :(Pension Fund Contribution is limited to contribute up to 6500/- of the PF Wages @ 8.33%.

4. Enrolment as a member of the Fund:

Every employee, at the time of joining is required to fill Form-2 (Revised) for the membership as well as declaration of nominees.


5.Transfer of accumulation to the New account / withdrawal:

Where an employee is already a member of the fund as on the date of joining the establishment, he has an option of transferring the accumulated amount from his previous account to the present account by filling in form - No. 13 and submit the same to the RPFC through HR. For the administration of the same a new joinee must have and mention the following information in the form:

I. His previous PF as well as Pension Fund Account No.
II. Name and address of the previous employer
III. Date of joining and leaving the establishment

In case an employee is interested to withdraw his previous accumulation in the fund, he can fill up Form - 19 and Form 10-C and deposit the same with his previous employer.

In the event of separation of an employee from the establishment, who wants to withdraw his accumulation, is required to fill up the required Form 19 and Form 10-C and submit the same to HR Department along with his Clearance Certificate for further processing to the RPFC.

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