#rs fmc

[bogorexpose]

Sepekan Kabur dari RS, Sopir Angkot Penabrak Wartawan Belum Juga Ditangkap

BOGOR – Pelaku tabrak lari seorang wartawan foto media lokal di Bogor belum juga ditangkap usai kabur sejak kejadian Senin (8/4/2024). Diketahui pelaku bernama Andi Yatma itu, belum diketahui keberadaannya, setelah kabur saat dirawat di Instalasi Gawat Darurat (IGD) Rumah Sakit FMC. Kanit Lakalantas Polres Bogor Ipda Fedryan Mulya menyebut, pihaknya masih melakukan penanganan dan penelusuran…

[dreamcars-fan]

Ford Focus RS WRC X6 FMC [1293x820]

[fallenraffe]

Savage Lover by Sophie Lark (1*)

<i>1 star</i>

when I finished I was so happy I ended up giving it 2 stars, but as I started thinking about it I struggled to come up with a single thing I liked about this book and well when the best thing about it is that it finally ended.. a one star it is

I liked the concept - at least some of it, namely the fast & furious infusion - but the execution was 💩

the writing was not great, so many telling instead of showing, the rs dev was laughable, the whole thing was just so juvenile and not even in a fun way

when girl finally opens up to the guy about her issues and feelings she only does it cos she's high and then they proceed to almost have sex, but as per us most of that scene was also just told, except for the smutty bit cos those are v important ofc🙄

2 things I distinctly remember: 1) when the girl spots the guy with the queen bitch of hs at the bank and gets jealous and gets her feelings hurt, thinking there was something between them, but clearly she was just kidding herself, and while girl is throwing herself a pity party I'm in my mind going <i>girl what? you guys barely know each other, you kissed maybe twice, there's no rs no basis for your hurt at least not from where I'm standing</i> 2) when the guy was thinking about how she's the only one who knows him, ya know the real him and loves him and all that love dovey bs and I'm over there like, <i>bitch what, where?!</i>

the mafia stuff was also v pheriferial here, guy and his fam is in the mafia and oppp they accidentally ended up going straight with their business woe is them😭💀 it was mostly just the guy gearing up to rob a bank, cos he can and its fun and he needs the money so he doesn't have to do business with others le sigh

fmc was more irritating tho, but I really didn't give a damn about either of them, let alone their "rs"

i listened to like half of it on 2x, then picked it back up as ai was doing some organising/packing in an effort to finish it up and then the next day (when I was around 77% I went and upped my speed to 3x so I could put myself out of my mysery asap)

my desire to pick up a S.L. book wasn't v strong to begin with, but after this what lil I had went📉📉📉📉📉📉

the only good thing about this was that the narrators were actually awesome, way too good for this bs tbh

(ax2, then x3

ns👍🏻👍🏻)

[oyestocks]

Buy This Penny Stock, at the price of Rs 5 and become a millionaire by 2025

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Latest update regarding Rs 5 share Penny Stock

The company, established in 1995, is operating in a vital industry and specializes in manufacturing and processing of Polymer Rubber Components. Along with this, it also processes natural rubber, due to which the company is showing its presence in the rubber products production segment. This company has tough competition in the field, but it produces high quality products with its quality and innovation.

Apart from this, the company is also working in the Infrastructure, Agro Products, and FMC (Facility Management Services) sectors with the professionalism of its products, thereby expanding its presence in various industries. Through this, the company is helping to meet the needs of its customers with its wide product portfolio across various sectors.

Looking at the overall market view of Vikash Lifecare Ltd company, it is a small company with a market cap of just over Rs 700 crore, and its current share price is trading around ₹4. Even though the company is financially recognized as evidenced by its market cap accumulation, it is not providing dividends to its investors.

Furthermore, despite the company incurring expenses of Rs 25 crore, it can be seen that it has Reserves of Rs 208 crore and Assets of Rs 205 crore, which helps in making the company’s position generally stable. . While its position is exemplary, the company also has liabilities of Rs 81 crore, which may be important to manage in a balanced manner.

Disclaimer:- Overall, Vikash Lifecare Ltd is a small company with accumulated assets, but the financials may require some caution, especially when it is not providing dividends to its investors. Therefore, before investing, definitely take advice from a stock market expert.

Read more articles on OyeStocks

[keypropertisentul]

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[nileshpatel1]

NSEL Defaulters: Understanding the Controversy and Addressing FAQs

The National Spot Exchange Limited (NSEL) default crisis was one of the biggest financial scandals that rocked India's financial markets in recent times. It involved non-payment of over Rs 5,600 crore by some 24 defaulting parties, who were primarily brokers, traders, and other market participants. The crisis led to the suspension of the exchange's operations, investigations by regulatory authorities, and several legal battles between the defaulters, investors, and the exchange. In this blog post, we aim to provide a comprehensive understanding of the NSEL default crisis and address some common FAQs related to it.

Understanding the NSEL Default Crisis

The NSEL was a spot commodity exchange that offered a platform for trading in various agricultural commodities, such as wheat, sugar, and pulses, among others. The exchange operated under the regulatory purview of the Forward Markets Commission (FMC) and had received approvals from other regulatory bodies, such as SEBI and the Ministry of Consumer Affairs. However, in July 2013, the exchange was hit by a payment crisis, as some of its participants defaulted on their payment obligations. This led to a domino effect, and soon, several other participants started defaulting, leading to a widespread crisis that shook the Indian financial markets.

The primary reason for the crisis was the misuse of the exchange's e-series platform, which allowed investors to trade in commodities without taking physical delivery. Some brokers and traders used this platform to carry out illegal trades, such as circular trading, benami transactions, and false invoicing, among others. These trades were not backed by physical commodities, and hence, when the time came for settling the contracts, the defaulters were unable to fulfill their payment obligations. This led to a chain reaction of defaults and eventually led to the collapse of the exchange's operations.

The crisis had severe implications for various stakeholders, such as investors, brokers, traders, and the exchange itself. Many investors who had invested in the e-series platform lost their money, and several brokers and traders faced bankruptcy. The exchange's operations were suspended, and investigations were launched by various regulatory authorities, such as the SEBI, the FMC, and the Economic Offences Wing (EOW). The crisis also led to several legal battles between the defaulters, investors, and the exchange, which are still ongoing.

FAQs Related to NSEL Default Crisis

Q. Who were the defaulters in the NSEL crisis?

A. The defaulters in the NSEL crisis were primarily brokers, traders, and other market participants who had traded on the exchange's e-series platform. Some of the major defaulters included Mohan India, ARK Imports, NK Proteins, Lotus Refineries, and NCS Sugars, among others.

Q. What was the total amount of money involved in the NSEL crisis?

A. The total amount of money involved in the NSEL crisis was over Rs 5,600 crore.

Q. How did the regulatory authorities respond to the crisis?

A. The regulatory authorities, such as the SEBI, the FMC, and the EOW, launched investigations into the matter and took various measures to address the crisis. The SEBI conducted a forensic audit of the exchange's operations and suspended the trading license of several brokers and traders. The FMC ordered the exchange to suspend its operations and appointed an administrator to oversee its affairs. The EOW registered several FIRs against the defaulters and arrested several individuals in connection with the case.

[radhictive]

19 Agustus 2022

Setelah stop berobat dari November 2021, saya merasa saya butuh pertolongan ahli, saya harus sembuh.

Saya ke klinik untuk minta rujukan ke RS Islam Bogor agar bisa ketemu dokter Rininta, karena saya kurang suka berobat di RS *Z**, karena selesai berobatnya sore dan jadwalnya senin sampai rabu, sedangkan itu weekday, agak mengganggu jam kerja saya yang cukup padat di awal minggu. sayangnya klinik tidak bekerja sama dengan RS Islam Bogor, kemudian saya diberi pilihan mau ke Bina Husada Cibinong atau FMC Bogor, entah kenapa saya memutuskan ke FMC.

Dari klinik, saya langsung ke FMC, ambil nomor antrian, fotocopy persyaratan, skrining covid, daftar-daftar dan nunggu antrian ke Psikiater. sekitar waktu shalat jumat saya selesai konsultasi dengan dokter. dokter meresepkan obat anti depresan lanjutan obat saya dulu diminum pagi hari, dan 1 obat yang diminum setengah pagi dan setengah siang, dan satu obat malam. sesi dengan dokter selesai, saya pulang. Dan tidak minum obat, besoknya saya berat sekali bangun subuh, tapi tetap usaha bangun. Pagi-pagi jam 08.18 saya kabari GL saya "Assalamualaikum Bapak, saya kmren check up lg ke dokter Pak, ada beberapa obat, dan dokter bilang nanti ktmu lg minggu depan. Dokter mau memantau mingguan kondisi saya Pak. saya pun berharap dari kehari ada perbaikan Pak. Terimakasih Pak" . Bukan apa-apa, sebelumnya GL saya menelpon saya dengan cemas takut saya melakukan hal yang tidak diinginkan.

Sabtu saya coba mulai minum obat, dari pagi, siang dan malam, minggu pagi saya sulit sekali bangun. sampai rasanya ga punya kekuatan bangun, setelah shalat subuh saya tidur lagi, jam 8 saya bangun, sarapan, dan tidur lagi. dan berlanjut hingga pagi senin, sampai-sampai Sepupu dan Bibi saya berfikir saya sakit, ngabarin kakak sepupu saya bahwa saya sakit tidur sendiri dirumah. siangnya saya bangun, mungkin efek obat sudah berkurang. tapi masih malas-malasan.

Malamnya saya putuskan tidak melanjutkan meminum obat, karensa akan mengganggu pekerjaan saya. tapi saya masih minum anti depresan dan obat yang satu lagi.

[alimentoseguro]

MAPITO-BA recebe Rally da Safra para avaliação de lavouras de soja

Técnicos estão percorrendo áreas produtoras nos quatro estados

Com boas perspectivas de produtividade da soja, os estados do Maranhão, Piauí, Tocantins e Bahia recebem o Rally da Safra desde quinta-feira, dia 03 de março. Os técnicos deixarão Brasília para avaliar lavouras de soja no Tocantins, seguindo para Balsas, no Sul do Maranhão, e Uruçuí, no Sul do Piauí, até chegar em Luís Eduardo Magalhães, no Oeste da Bahia. Os trabalhos em campo se encerrarão no dia 12 de março.

“A safra no MAPITO-BA foi bem mais adiantada em comparação com os anos anteriores. Em todos os estados o clima regularizou mais cedo do que de costume e o plantio foi acelerado. Vamos avaliar a situação das áreas, verificando se o clima chuvoso e nublado trouxe irregularidades quanto no peso e na qualidade dos grãos”, explica André Debastiani, coordenador do Rally.

A Agroconsult, organizadora da expedição, estima uma produção brasileira de soja em 125,8 milhões de toneladas, 8,4 milhões de toneladas abaixo das projeções pré-Rally, que era de 134,2 milhões de toneladas. Os problemas no Sul do país, acentuados pela continuidade do clima predominantemente seco e quente em janeiro e início de fevereiro, derrubaram as projeções. Os números poderiam ser menores, não fosse o excelente desempenho das lavouras no Cerrado. Em Mato Grosso e Goiás, a estimativa de produção aumentou 1,6 milhão de toneladas desde o início do Rally – pouco para compensar a quebra de 10,6 milhões de toneladas no Mato Grosso do Sul, Paraná, Santa Catarina e Rio Grande do Sul.

Considerando a estimativa de produção numa área plantada de 40,5 milhões de hectares (+4,1%), a produtividade média desta safra é projetada no momento em 51,7 sacos/hectare (-12,7%) – a mais baixa desde 2015/16. “É importante considerar que esses números podem mudar até o fim da safra”, diz Debastiani.

Diante das condições de desenvolvimento da safra de 2021/22 nas principais regiões produtoras, o encerramento da etapa soja da expedição Rally ocorrerá no dia 17 de março, às 17 horas, com evento on-line gratuito transmitido pelo canal do Rally da Safra no YouTube.

Milho segunda safra

A etapa de avaliação do milho segunda safra começará em 15 de maio, com seis equipes – as duas primeiras percorrem o Oeste e o Médio-Norte do Mato Grosso. Outras duas avaliarão lavouras no Sudeste do Mato Grosso, Norte do Mato Grosso do Sul e a região Sudoeste de Goiás. As últimas equipes visitarão áreas no Sul do Mato Grosso do Sul e Oeste do Paraná.

As perspectivas para a segunda safra de milho são positivas, em função do bom calendário de plantio no Centro Oeste. Ressalta-se, porém, a contínua preocupação com as previsões de falta de chuva no Paraná e Mato Grosso do Sul em abril, período crítico de definição das produtividades.

A projeção para esta temporada é de área plantada 7% maior do que na safra anterior, chegando a 15,7 milhões de hectares – segundo Debastiani, a expansão poderia ser ainda maior, não fossem os gargalos na oferta de insumos. A estimativa de produção é de 92,2 milhões de toneladas, 51,3% acima da safra passada.

Em abril e maio, quatro equipes do Rally serão dedicadas a visitas a produtores e eventos regionais, inicialmente agendados para ocorrerem em Não-Me-Toque/RS (12/04), Cascavel/PR (19/04) e Rio Verde/GO (03/05).

Mais de 80 mil quilômetros deverão ser percorridos em 11 estados durante a 19ª edição do Rally da Safra, principal expedição técnica do agronegócio brasileiro. A expectativa é coletar 1600 amostras em campo. Organizada pela Agroconsult, a expedição técnica tem o patrocínio do Banco Santander, FMC, OCP Fertilizantes e Serasa Experian e apoio nacional da Hidrovias do Brasil e Unidas Agro.

O trabalho das equipes e o roteiro completo da expedição poderão ser acompanhados pelo http://bit.ly/RallyRedesSociais

as, mar/22, com Ascom Carol Silveira -- carol@carolsilveira.com.br

[sarkariresultgov]

Top Current Affairs - 07 September 2021 @ SarkariResultGov.com

1. Chandigarh Railway Station of Indian Railways has been awarded 5-star 'Eat Right Station' certification for providing high-quality, nutritious food to passengers. भारतीय रेलवे के चंडीगढ़ रेलवे स्टेशन को यात्रियों को उच्च गुणवत्ता, पौष्टिक भोजन प्रदान करने के लिए 5-स्टार 'ईट राइट स्टेशन' प्रमाणन से सम्मानित किया गया है। 2. Coal India Limited (CIL) Chairman Pramod Agarwal laid the foundation stone of the Rs 285.05 crore First Mile Connectivity (FMC) project of Mahanadi Coalfields Limited at Ib Valley in Jharsuguda district. कोल इंडिया लिमिटेड (सीआईएल) के अध्यक्ष प्रमोद अग्रवाल ने झारसुगुडा जिले के आईबी घाटी में महानदी कोलफील्ड्स लिमिटेड की 285.05 करोड़ रुपये की पहली मील कनेक्टिविटी (एफएमसी) परियोजना की आधारशिला रखी। 3. A contingent of 200 soldiers of the Indian Army will participate in a multinational Exercise ZAPED 2021 to be held in Nizhny, Russia from 03 to 16 September 2021. भारतीय सेना के 200 सैनि��ों की एक टुकड़�� 03 से 16 सितंबर 2021 तक रूस के निज़नी में आयोजित होने वाले एक बहुराष्ट्रीय अभ्यास ZAPED 2021 में भाग लेगी। 4. India-Kazakhstan joint military exercise “KAZIND-21” began at Training Node Ayesha Bibi Kazakhstan. The exercise is the 5th edition of the annual bilateral joint exercise by the armies of the two countries and will continue till 10 September 2021. भारत-कजाखस्तान संयुक्त सैन्य अभ्यास "काजिंद-21" प्रशिक्षण नोड आयशा बीबी कजाकिस्तान में शुरू हुआ। यह अभ्यास दोनों देशों की सेनाओं द्वारा वार्षिक द्विपक्षीय संयुक्त अभ्यास का 5वां संस्करण है और 10 सितंबर 2021 तक जारी रहेगा। 5. In a grand ceremony, showcasing PM Modi's entire government vision and the participation of six of his cabinet colleagues, Union AYUSH Minister Sarbananda Sonowal launched the 'Y-Break' mobile application at Vigyan Bhawan. एक भव्य समारोह में, पीएम मोदी की संपूर्ण सरकारी दृष्टि और उनके छह कैबिनेट सहयोगियों की भागीदारी को प्रदर्शित करते हुए, केंद्रीय आयुष मंत्री सर्बानंद सोनोवाल ने विज्ञान भवन में 'वाई-ब्रेक' मोबाइल एप्लिकेशन लॉन्च किया। 6. Civil Aviation Minister Jyotiraditya Scindia launched the first direct flight between Gwalior-Indore. नागरिक उड्डयन मंत्री ज्योतिरादित्य सिंधिया ने ग्वालियर-इंदौर के बीच पहली सीधी उड़ान शुरू की। 7. Sports Minister Anurag Thakur and Education Minister Dharmendra Pradhan inaugurated the first-ever national-level quiz competition on sports and fitness. खेल मंत्री अनुराग ठाकुर और शिक्षा मंत्री धर्मेंद्र प्रधान ने खेल और फिटनेस पर पहली बार राष्ट्रीय स्तर की प्रश्नोत्तरी प्रतियोगिता का उद्घाटन किया। 8. Television actor Siddharth Shukla passed away in Mumbai. He was 40 years old. टेलीविजन अभिनेता सिद्धार्थ शुक्ला का मुंबई में निधन हो गया। वह 40 साल के थे। 9. Journalist and former Rajya Sabha member Chandan Mitra passed away. He was 66 years old. पत्रकार और पूर्व राज्यसभा सदस्य चंदन मित्रा का निधन हो गया। वह 66 वर्ष के थे। 10. Kashmiri separatist leader Syed Ali Geelani has died in Srinagar at the age of 92. कश्मीरी अलगाववादी नेता सैयद अली गिलानी का 92 साल की उम्र में श्रीनगर में निधन हो गया। Read the full article

[techminsolutions]

CIL chairman lays foundation stone of MCL's Rs 285 crore FMC project

CIL chairman lays foundation stone of MCL’s Rs 285 crore FMC project

Coal India Limited (CIL) Chairman Pramod Agrawal laid the foundation stone of Mahanadi Coalfields Limited’s Rs 285.05 crore first-mile connectivity (FMC) project of Lajkura SILO at Ib valley in Jharsuguda district. The project would add 15 million tonne per annum dispatch capacity to Mahanadi Coalfields Limited. The CIL Chairman, who was here on a two-day visit to Ib Valley coalfields of MCL,…

[areyouhealthy]

FMC 7 by Flow Cytometry Test

FMC 7 by Flow Cytometry Test

Rs. 2200

[investkal]

Natco Pharma slips 6% as Delhi HC allows injunction application by FMC Corp

Natco Pharma slips 6% as Delhi HC allows injunction application by FMC Corp

Shares of Natco Pharma slipped 6 per cent to Rs 1,092.35 on the BSE in intra-day trade on Wednesday after the Delhi High Court allowed the application by FMC Corporation on Chlorantraniliprole (CTPR). The generic drug maker was engaged in a legal battle with California-based agriculture sciences company FMC over the use of an insecticide CTPR that is used in several crops. “The Hon’ble High…

[moneycafe]

UPL: Maintain ‘neutral’ view with a target price of Rs 631/share

UPL: Maintain ‘neutral’ view with a target price of Rs 631/share

The AI attacks the ryanodine receptor in the insect. About 30% of Rynaxypyr produced is used by the rice industry. UPL has announced a long-term strategic collaboration with FMC Corporation, a leading global agricultural sciences company. The pact allows UPL access to key markets prior to the patent expiry and to commercialise Rynaxypyr Active: FMC’s leading insecticide. According to the…

[licplansinhyderabad]

                        Life Insurance plans in Hyderabad

Nivesh Plus Plan Features and Benefits

Life is unpredictable. To help you take control of your life, you need insurance. Which brings us to the most common dilemma you face what to choose. That’s why there is Life Insurance Corporation. The biggest life insurance company in India, with a network of over 13 lakh agents and 2048 branches   all over India. With the highest claim settlement record in the world and a customer base of over 30 crore policy holders, LIC brings with it a world of experience. LIC Offers you customized insurance products that suit your specific needs, and helps you plan for a secure future.

Nivesh Plus

Unique Identification No. 512L317V01

Your financial priority in life, be it savings, protection or investment, depends on the stage of life you are in. With changing life stages, your priorities will change as well. To meet these constantly evolving needs, you may need to buy different policies at every stage.

Now, LIC of India presents a comprehensive unit linked product which is non-participating, single premium indivisual life insurance plan. We present Nivesh Plus which offers insurance cum investment benefits that helps you to stay protected and earn great returns. This plan allows the insured to monetize the insurance opportunities associated with the stock market. It also offers guaranteed additions at low charges.

A plan that combines the best of investment and insurance

Maturity Benefits

The policy matures on the completion of the term of the policy. On maturity date, you will get value of units.

Death Benefits

On the death of the insured, the nominee will be liable to receive the death benefits.

In case of death before the date of commencement of risk, an amount which will be equal to the unit fund value will be paid.

If the death occurs after the date of commencement of risk, an amount which will be higher of basic sum assured or unit fund value is payable, where BSA is (10 times of single premium) or (1.25 times of the single premium), as per the options chosen.

The death benefits shall be payable either in lumpsum or in installments, if settlement options is opted for.

Criteria

Min. age at entry

90 days (completed) for both option 1 & 2

Max. age at entry

70 yrs (near birthday) for Option 1

35 yrs (near birthday) for Option 2

Min. Maturity age

18 yrs (completed)

Max. Maturity age

85 yrs (near birthday) for Option 1

50 yrs (near birthday) for Option 2

Min. Policy Term

Option 1:  If BSA is 1.25 times of Single Premium

10 to 25 yrs

Option 2:  If BSA is 10 times of Single Premium

For  age at entry upto 25 yrs

10 to 25 yrs

For  age at entry 26 to 30 yrs

10 to 20 yrs

For  age at entry 31 to 35 yrs

10 yrs

Min. Basic S.A.

(10 * Single Premium) or (1.25 times  of the Single Premium), whichever is higher.

Min. Premium

1,00,000

Max. Premium

No Limit (Premium in multiple of Rs.  10,000/-)

Modes allowed

Single Premium

 * Age at entry for the L.A. Is to be taken as nbd except for the min. Age at entry i.e. 90 days

Guaranteed Addition as a percentage of single premiums as mentioned in the table below shall be added to the Unit Fund on completion of specific duration of policy years.

End of Policy Year                               Guaranteed Addition (% of single premium)

6                                                                                              3%

10                                                                                             4%

15                                                                                              5%

20                                                                                               6%

25                                                                                               7%

 This is the cost of life insurance cover. Mortality charges will be taken every month by cancelling appropriate number of units out of your fund value.

Except for the 4 free switches allowed every policy year, all other switches will be charged at Rs. 100 per switch.

This Plan does not have provision to invest additional money as Top-Up.

No Policy Administration Charges shall be applicable under this plan.

A Service tax charge will be levied on all applicable charges as per the prevailing service tax laws.

If at a later stage your financial priorities change, you can switch between different funds at any time. There is a provision of 4 free switches every policy year. Any switch beyond this limit will be charged at Rs.100/- per switch. Partial switching is not allowed.

The Fund Management Charge (FMC) for the various funds will be as follows:

1.35% p.a. of Unit Fund for all the four fund types available under an in-force policy.

i.e. Bond fund, Secured fund, Balanced fund and Growth fund.

0.50% p.a. of Unit Fund for "Discontinued policy fund".

FMC will be deducted on the date of computation of NAV. NAV, thus declared, will be net of FMC.

This is a charge levied on the Unit Fund at the time of partial withdrawal of the Fund and shall be a flat amount of Rs. 100/- which will be deducted by cancelling appropriate number of units of

Unit Fund Value and the deduction shall be made on the date on which partial withdrawal takes place.

In the unfortunate event of accidental death, apart from the emotional trauma, there are financial liabilities a family must face. This rider offers cover against Accident and Disability.

In the event of the death due to accident, the nominee gets an Accident Sum Assured under the rider.

Accident Benefit can be availed of as an optional Rider benefit by paying an additional premium of Rs. 0.40 for every Rs. 1,000/- of the Accident Benefit Sum assured per policy per year by cancellation of appropriate number of units.

The Plan has a provision to receive the death benefit amount in 5 yearly or 10 half yearly installments.

The installment amount shall be total no of units as on the date of death divided by total number of installments. The no. of units arrived at in respect of each installment will be multiplied by the NAV as on the date of installment payment.

You can either surrender the policy or you can partially withdraw the amount. If policy is surrendered before completion of 5 years the unit value on the date of surrender is paid but only after completion of 5 years. But once premium has been paid for 5 years and policy is surrendered, full unit value is paid on date of surrender. The partial withdrawal is allowed only after completion of 5 years subject to following conditions:

Policy Year          Maximum Withdrawal Allowed

6th to 10th Year                15% of Unit Fund

11th to 15th Year              20% of Unit Fund

16th to 20th Year              25% of Unit Fund

21st to 25th Year              30% of Unit Fund

If partial withdrawal is opted, the sum assured will be reduced for the withdrawn amount for 2 years period from the date of withdrawal

Policy can be surrendered anytime during the policy term.

If policyholder surrenders the policy during 5 year lock in period, then the Unit Fund value after deducting the discontinuance charge shall be converted into montery amount which shall be transferred to the Discontinued Policy fund.

If policyholder surrenders the policy after completion of 5 year lock in period, then the Unit Fund value on the date of surrender shall be payable. There will be no discontinuance charge under the policy.

The proceeds of Discontinued Policy Fund in respect of the policy shall be higher of Discontinued Policy Fund Value or the Guaranteed Monetary Amount. The Guaranteed Monetary Amount is the accumulation of monetary amount transferred into the Discontinued Policy Fund at the guaranteed interest rate.

Currently, this guaranteed interest is 4% p.a. from the date of withdrawal to the end of 5 years from commencement. The amount along with this guaranteed interest will be due to you only at the end of five years.

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