• If you have an FD in any bank then you shouldn’t break it before its proper time period to get higher rate.
• You can add your surplus funds in your FD to get higher rate of interest.
• You should choose correct and best financial institution for better fixed deposit rate.
• If the investor deposit finance for long time then the financial institution offers higher rates. Sometimes several banks provide various facilities of higher interest for senior citizens as well employees. So always be alert about these facilities and would taken the benefit.
• You can also reduce your tax in many ways. If you separate your deposit in various banks then you can reduce your taxes. RBI bonds are tax saving bonds that provides the facility to investor to save on tax.  ICICI and IBI also provide the benefit of tax saving.

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Monthly income plans  needs you for investing in your retirement, in education,marriage for high returns and the most important security.You have many options to choose your monthly income plans like for monthly,quartely,half yearly and annualy etc.Monthly income plans is a good option discuss the investor’s acknowledgement to debt instruments. These will help in regular and stable returns to the investors. But you should keep some things in your mind.Monthly income is not guaranteed. Sometimes you have to invest some primarily debt even a gold. Sometimes these returns can be negative.  Monthly income plans are also applicable for long term and short term. Your own decision is most important before starting any monthly income plan.

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You should try to make a habbit to teach your kids about money saving. If your child is a girl then this investment helps you in her ring ceremony and marriage.Financial investment makes your kids future peaceful and comfortable. It also gives you a less burden.

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Today there are many retired people burdened with debts. So you should invest your money and get provident fund dues. If you don’t want to be dependent on someone else after you retire then it is very important at present time to invest your money as more as you make possible. Also employment increased day by day.You can live the same life style as you are currently used with the right planning. If you have big dreams like tasting wines,go into exotic places then retirement plans make your dreams possible.If you want that your family would not be dependent in your absense then you should make financial plans.

• There are many pension and retirement plans that you can. In the Senior Citizen Scheme you can invest up to 15 lakhs in this scheme.
• If the person has completed the age of 60 years then he can open a senior citizen account with the post office and state bank of india. In post office monthly income plan you can invest upto 4.50 lakh per and 9lakh at 8% p.a.There is not any particular age and there is no income tax.
• There are many pension plans. You should choose one of the best.Pension plan offers many tax benefits.You should enjoy these tax benefits. You should make a habbit to reading about saving money and get knowledge about new policies and plans.

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http://www.sbicard.com/creditcards/faces/pages/CreditCardTrackApplication.jsp

You can Email at feedback.gesbi@ge.com with your details to get the status of process of your credit card.

You can call the toll free numbers 1860 180 1290 or 1800 180 1290 from your BSNL/MTNL phone or dial 39020202 (prefix your city code if dialing from mobile).

Tracking your card through courier

If your application has been processed then immediately you will get an SMS with a reference number. Just visit the respective couriers’ website and enter your reference number to track the status of your card.

Last One :

You can write at below mentioned address :

Address : SBI Card & Payment Services Ltd, P.O. Bag No.28, GPO, New Delhi – 110001

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Introduction: Shubh Nivesh Plan

SBI Life – Shubh Nivesh is an Endowment product with an option of Whole Life coverage. In this plan you can save regularly for your future as well as you also have the flexibility to receive the maturity amount as a lump sum or as a regular income for a chosen period, depending upon your needs.

Key Features:

• A unique Savings cum Protection Plan with the flexibility of Whole Life option as an add-on

• Triple benefits of Wealth Creation, Regular Income and Protection under a single plan

• Convenience of premium payment options – Single Premium and Regular Premium

• Comprehensive risk coverage through 3 Riders:
• Preferred Term Rider
• Accidental Death Benefit Rider
• Accidental Total & Permanent Disability Rider

• Option to receive the Basic Sum Assured at regular interval over a stipulated time period of 5/10/15/20 years.

• Tax benefits as per prevailing norms under the Income Tax Act, 1961

How does it work?
SBI Life – Shubh Nivesh has two options:

Endowment Assurance: The base plan is a traditional endowment plan with simple reversionary bonuses which accrue till the end of the endowment term. The sum assured with all accrued bonuses will be paid on death during the endowment term or survival till the end of the endowment term.

Whole Life Endowment: The policyholder has to opt for the Whole Life Endowment option at the proposal stage itself, wherein the sum assured along with the accrued bonus till the end of the endowment term will be paid to the policyholder, and an amount equal to the basic sum assured will be paid on the life assured attaining 100 years of age or on the death of the life assured, if earlier.

Benefits:

• Maturity Benefit: Depending upon the plan option chosen:
• Endowment Assurance (i.e. if Whole Life option is not taken):

• After completion of endowment term, the Basic Sum Assured + vested Simple Reversionary Bonus is paid

• If Deferred Maturity Payment option has been chosen, the accrued bonus will be paid on the date of maturity and the policyholder may choose to receive the sum assured in regular installments over the next 5/10/15/20 years.

• Whole Life Endowment (i.e. Whole Life option is taken):
• After completion of endowment term the Basic Sum Assured + vested                  Simple Reversionary Bonus is paid.

•  If, Deferred Maturity Payment option has been chosen, the accrued bonus                will be paid on the date of maturity and the policyholder may choose to             receive the sum assured in regular installments over the next                                     5/10/15/20 years.

• An amount equal to the basic sum assured will be paid on the life assured                   attaining 100 years of age.

• Death Benefit: In the unfortunate death of the Life Assured, depending upon           the plan option chosen:
• Endowment Assurance (i.e. if Whole Life option is not taken):

• Death before the completion of Endowment term: Sum Assured + Simple Reversionary Bonus (if any) is paid to the nominee

• Deferred Maturity Payment Option has been availed and death happens after the completion of Endowment term: The Balance amount of the Deferred Maturity Payment Option, if any would continue to be paid to the legal heirs till the end of the stipulated period as chosen

• Whole Life Endowment (i.e. if Whole Life option is taken) :
• Death before the completion of Endowment term:
• Sum Assured + Simple Reversionary Bonus (if any) is paid to the nominee

• Death after the completion of the endowment term up to 100 years of age:
• Sum Assured under the Whole Life coverage is paid to the nominee.
• If deferred Maturity Payment Option has been availed and death happens                     after the completion of Endowment term but before the receipt of the                 final installment under the deferred payment option, the basic sum                      ssured under the Whole Life coverage is paid to the nominee and the                  balance amount of the Deferred Maturity Payment Option, if any would               continue to be paid to the nominee till the end of the stipulated period                 as chosen

• Other Benefits
• Deferred Maturity Payment Option: You have the option to avail the sum assured as regular payouts over a stipulated period of 5/10/15/20 years. The amount of regular income payable will be quoted based on the rates available at that time

• Three sets of riders: -
• Preferred Term Rider: The Preferred Term rider Sum Assured is payable in addition to normal death benefit

• Accidental Death Benefit Rider: In case death due to an accident, the rider Sum Assured is payable in addition to normal death benefit

• Accidental Total and Permanent & Disability Rider: The rider Sum Assured will be paid on the Life Assured being found eligible for the Total Permanent Disability Benefit as defined in the policy document.

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Introduction:

SBI Life – Saral Life, a traditional, participating endowment plan which helps you to meet any requirement in life and is designed with a difference…a take away insurance especially weaved for you with the threads of Simplicity, Availability & value for your money.

Key Features:

• An unique savings cum insurance cover with easy acceptance.
• Enrolment based on Simplified Questionnaire and Good Health Declaration.
• Instant Processing.
• Flexibility in Coverage – Sum Assured in options of Rs.1 lakh / Rs.2 lakhs /                 Rs.3 lakhs.
• Customize you coverage period by choosing from 10/15/20/25 years, as        per your requirement.
• Tax benefits as per prevailing norms under the Income Tax Act, 1961.

Product Snapshot

Benefits:

• Maturity Benefit:- On survival of the life assured, till the policy term, the Sum Assured along with the accrued regular bonus and terminal bonus (if any) is payable.
•  Death Benefit:- In case of unfortunate demise of the life assured within the policy term, the Sum Assured along with the accrued regular bonus and terminal bonus (if any) is payable to the nominee.
• Tax Benefits*
• U/s 80C of the Income Tax Act 1961 on your premiums.

• U/s 10(10D) of the Income Tax Act 1961 on your maturity / death / surrender proceeds under the policy.

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1. State BankATM-cum-Debit (State Bank Cash plus) Card

Withdraw cash from over 8000 ATMs of our group FREE and about 16000 ATMs of other banks under bilateral sharing viz. Andhra Bank,Axis Bank, Bank of India, The Bank of Rajasthan Ltd. Canara Bank, Corporation Bank, Dena Bank, HDFC Bank, Indian Bank, IndusInd Bank, Punjab National Bank, UCO Bank and Union Bank of India.

Transaction Limits:

• Daily limit of Rs 25,000/- at the ATM
• Daily limit of Rs 50,000/- at Point of Sale (POS) terminal for debit transactions . Combined daily limit of Rs 75,000/-

2.     State Bank Cash Plus International Card:

• Maximum Transaction Limit per day of Rs 45,000
• Maximum  Daily limit of Rs 1,00,000/- at Point of Sale (POS) terminal

SBI YUVA CARD

• Daily Cash Withdrawal Limit Rs.50,000 / Overseas US $1000
• Daily purchase limit at Merchant Establishments/Point of Sales/Internet Merchant Establishments Rs. 2,00,000.00/ Overseas US$ 4000

Toll free help line 1800 112211  from BSNL and MTNL landlines

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For upto date information call the hdfc bank custmore care..

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