LIC of India new children plan going to launch on 17th February 2024 which name is LIC Amritbaal Plan 874 (Table no 874) is a Gauranteed Additions plan. LIC Amritbaal Plan 874 is a limited premium and single premium payment policy, So that you can choose the option of LIC premium payment as per your wish.
LIC’s Amritbaal plan 874 is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance plan. The plan is specifically designed to have an adequate corpus to meet the higher education and other financial needs of your child and provides risk cover on the life of child during the policy term.
It facilitates accumulation of corpus through Guaranteed Addition Rs. 80 per 1000 Basic Sum Assured throughout the Policy Term.
The unique Identification of ‘LIC Amrit baal children Plan 874‘ is 512N365V01.
Please Note: You can buy now online LIC Amritbaal Plan 874 through credit card/debit card, net banking, upi and wallets on our LIC’s New Business Platform.
| Minimum Age at entry | 0 years (30 days completed) |
|---|---|
| Maximum Age at entry | 13 years (last birthday) |
| Minimum Age at maturity | 18 years (last birthday) |
| Maximum Age at maturity | 25 years (last birthday) |
| Minimum Policy Term | Limited Premium Payment: 10years Single Premium Payment: 5years |
| Maximum Policy Term | Limited Premium Payment: 25 years Single Premium Payment: 25 years |
| Premium Payment Term | Limited Premium Payment: 5, 6 & 7 years Single Premium Payment: Single Pay |
| Premium Payment Mode | Yearly, Half Yearly, Quarterly, Monthly and Single |
| Sum Assured | Rs. 2,00,000 to No Limit |
| Death before commencement of Risk. | Death Benefit |
|---|---|
| If the policy holder expire before the date of commencement of Risk. | An amount equal to the total amount of premium paid – (Taxes + Extra premium + Rider premium) shall be payable |
| If the policy holder expire After the date of commencement of Risk. | Sum Assured + Accrued Gauranteed Bonus
(For Limited Premium Payment) For Option (1)
For Option (2)
(For Single Premium Payment) For Option (3)
For Option (4) 10 times of single premium |
On Life Assured surviving the stipulated Date of Maturity, provided the policy is in-force, “Sum Assured on Maturity” along with accrued Guaranteed Additions for in-force policy, shall be payable; where “Sum Assured on Maturity” is equal the Basic Sum Assured.
Maturity Amount = Basic Sum Assured + Accrued Gauranteed Bonus.
Date of commencement of risk under the plan:
In case of children whose age is less than 8 years risk commencement starts either from 2 years of taking the policy or 8 years old which is earlier.
Date of vesting under the plan:
The policy shall automatically vest in the Life Assured completion of 18 years of age
Under an in-force policy, the Guaranteed Additions shall accrue at the rate of 80 per thousand Basic Sum Assured at the end of each policy year from the inception till the end of Policy Term.
On death of Life Assured during the Policy Term under an in-force policy, the Guaranteed Additions in the year of death shall be payable for full policy year.
In case of surrender of an in-force policy, the Guaranteed Additions for the policy year in which the policy is surrendered will be added on proportionate basis in proportion to the completed months for the Policy Year in which policy is surrendered.
LIC Amritbaal Plan 874 – Additional Information
Risk Coverage: Till end of Term of the Policy.
Date of Commencement of Risk: In case of children whose age is less than 8 years risk commencement starts either from 2 years of taking the policy or 8 years old which is earlier.
Locking period : LIC Amritbaal Plan 874 provides free locking period of 2 years.
Loan Facility: Loan after 3 years for limited premium and after 3 month after for singlr premium
Income Tax Deduction: Available under Section 80C for premiums paid and Section 10 (10D) for Maturity.
Riders available: PWB rider is available by paying an additional premium subject to the eligibility conditions
Back Dating: Backdating is allowed within the same financial year, however, not before the plan’s launch date.
Revival: LIC Policy holders can revive the policy within 5 years of the first unpaid premium by paying all the due premiums.
Maturity amounts settlement options available: Maturity amounts can also be received through settlement options in instalments over 5, 10, or 15 years.
Proposal Forms: Proposal Form no. 300 and 360 will be used under this plan.
Cooling-off Period: If a policyholder is not satisfied with the ‘Terms and Conditions” of the policy, he/she may return the policy within 15 days from the date of receipt of the policy.
LIC of India has introduced Jeevan Dhara-2 plan 872, a new individual, savings, deferred annuity (pension) plan. LIC Jeevan Dhara-2 Plan 872 is available for sale from 22nd, January 2024. The annuity is guaranteed from inception and 11 annuity options are available to prospective policyholders. There is higher annuity rates at higher ages and life cover will be available during the deferment period.
The minimum age at entry should be 20 years (last birthday) and maximum 80, 70, 65 years minus the deferment period depending upon the annuity option chosen. There is flexibility to choose from, including regular and single premium; single life and joint life annuity; and available deferment period.
Other features of the non–linked, non–participating plan, subject to certain conditions, include incentive by way of increase in the annuity rate for high premium/purchase price/for online sale; top-up annuity and option to receive a lump-sum amount in return of reduction in annuity payments.
The Unique Identification Number (UIN) for LIC’s Jeevan Dhara-II is UIN: 512N364V01
• (A)Single Life: (Options 1 to 7 and 10)
• Death During Deferment period:
• 105% of Total Premiums Paid upto the date of death shall be payable to nominee(s)
• Death After Deferment period: Annuity payment Ceases
• For Life Annuity without return of Purchase Price:(Option 1)
• No Death Benefit is payable and policy will Terminate
• For Annuity options with return of Purchase Price: (Options 2 and 10)
• 100% of Total Premiums Paid shall be payable to nominee(s)
• For Annuity options with return of Purchase Price after attaining ages 75/80/76 to 95 years:(Options 3 to 7)
• 100% of Total Premiums Paid Less Sum of Early Return of Premium already paid till the date of death, if any, shall be payable to
nominee(s)
• (B)Joint Lives (Options 8,9 & 11)
• Death During Deferment period:
• On First Death (of either of the covered lives):
• No Death Benefit shall be payable and policy shall continue with payment of due Premiums, if any
• On death of the last survivor:
• Death Benefit equal to 105% of Total Premiums Paid upto the date of death shall be payable to nominee(s)
• Death After Deferment period:
• On First Death (of either of the covered lives): ( Options 8, 9 & 11)
• No Death Benefit shall be payable and 100% of the annuity amount shall continue to be paid as long as the last survivor is alive.
• On death of the last survivor: Annuity payment Ceases
• Option 8: Life Annuity without return of Purchase Price
• No Death Benefit is payable and policy will Terminate
• Option 9 and 11 with return of purchase price:
• 100% of Total Premiums Paid shall be payable to nominee(s)
Under Single Premium Policies: Can be surrendered, any time on payment of Purchase Price.
• Under Regular Premium Policies: Can be surrendered, any time during or after Deferment Period provided
premiums have been paid for at least two consecutive years.
Available under the options with Return of Premiums
• Within Surrender Value
• During or after the deferment period
• Maximum loan amount such that loan interest should not exceed 50% of the annual annuity payable, subject to
max 80% of the Surrender Value
Can be done within a period of 5 consecutive years from the date of First Unpaid Premium
• Liquidity facility is for annuities with return of premium option only (Under Annuity Options 2, 9, 10 and 11)
• Option to receive portion of the premium/purchase price after 5 years from the commencement of the
annuity
• Annuity and other benefits will proportionately reduced
• Liquidity facility not applicable for topup payments
• Can be exercised maximum 3 times under the policy
• Cannot exceed 60% of total premiums paid
आप इस प्लान को ऑफलाइन यानी की एलआईसी एजेंटों के माध्यम से खरीद सकते हैं।
Or Call @ 9990190909
Email- [email protected]
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BLS E-Services IPO is a book built issue of Rs 310.91 crores. The issue is entirely a fresh issue of 2.3 crore shares.
BLS E-Services IPO bidding started from January 30, 2024 and ended on February 1, 2024. The allotment for the BLS E-Services IPO is expected to be finalized on Friday, February 2, 2024. BLS E-Services IPO will list on BSE, NSE with tentative listing date fixed as Tuesday, February 6, 2024.
BLS E-Services IPO price band is set at ₹129 to ₹135 per share. The minimum lot size for an application is 108 Shares. The minimum amount of investment required by retail investors is ₹14,580. The minimum lot size investment for sNII is 14 lots (1,512 shares), amounting to ₹204,120, and for bNII, it is 69 lots (7,452 shares), amounting to ₹1,006,020.
Unistone Capital Pvt Ltd is the book running lead manager of the BLS E-Services IPO, while Kfin Technologies Limited is the registrar for the issue.
Refer to BLS E-Services IPO RHP for detailed information.
| IPO Date | January 30, 2024 to February 1, 2024 |
| Listing Date | [.] |
| Face Value | ₹10 per share |
| Price Band | ₹129 to ₹135 per share |
| Lot Size | 108 Shares |
| Total Issue Size | 23,030,000 shares (aggregating up to ₹310.91 Cr) |
| Fresh Issue | 23,030,000 shares (aggregating up to ₹310.91 Cr) |
| Issue Type | Book Built Issue IPO |
| Listing At | BSE, NSE |
| Share holding pre issue | 66,726,485 |
| Share holding post issue | 89,756,485 |
BLS E-Services IPO offers 23,030,000 shares. 6,218,154 (27.00%) to QIB, 3,109,050 (13.50%) to NII, 2,072,700 (9.00%) to RII and 9,327,096 (40.50%) to Anchor investors. 19,191 RIIs will receive minimum 108 shares and 685 (sNII) and 1,370 (bNII) will receive minimum 1,512 shares. (in case of oversubscription)
| Investor Category | Shares Offered | Maximum Allottees |
|---|---|---|
| Anchor Investor Shares Offered | 9,327,096 (40.50%) | NA |
| QIB Shares Offered | 6,218,154 (27.00%) | NA |
| NII (HNI) Shares Offered | 3,109,050 (13.50%) | |
| bNII > ₹10L | 2,072,700 (9.00%) | 1,370 |
| sNII < ₹10L | 1,036,350 (4.50%) | 685 |
| Retail Shares Offered | 2,072,700 (9.00%) | 19,191 |
| Other Shares Offered | 2,303,000 (10.00%) | NA |
| Total Shares Offered | 23,030,000 (100%) |
BLS E-Services IPO raises Rs 125.92 crore from anchor investors. BLS E-Services IPO Anchor bid date is January 29, 2024. BLS E-Services IPO Anchor Investors list
| Bid Date | January 29, 2024 |
| Shares Offered | 9,327,096 |
| Anchor Portion Size (In Cr.) | 125.92 |
| Anchor lock-in period end date for 50% shares (30 Days) | March 18, 2024 |
| Anchor lock-in period end date for remaining shares (90 Days) | June 18, 2024 |
BLS E-Services IPO opens on January 30, 2024, and closes on February 1, 2024.
| IPO Open Date | Tuesday, January 30, 2024 |
| IPO Close Date | Thursday, February 1, 2024 |
| Basis of Allotment | Friday, February 2, 2024 |
| Initiation of Refunds | Monday, February 5, 2024 |
| Credit of Shares to Demat | Monday, February 5, 2024 |
| Listing Date | Tuesday, February 6, 2024 |
| Cut-off time for UPI mandate confirmation | 5 PM on February 1, 2024 |
Investors can bid for a minimum of 108 shares and in multiples thereof. The below table depicts the minimum and maximum investment by retail investors and HNI in terms of shares and amount.
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 108 | ₹14,580 |
| Retail (Max) | 13 | 1404 | ₹189,540 |
| S-HNI (Min) | 14 | 1,512 | ₹204,120 |
| S-HNI (Max) | 68 | 7,344 | ₹991,440 |
| B-HNI (Min) | 69 | 7,452 | ₹1,006,020 |
The promoter of the company is BLS International Services Limited
| Share Holding Pre Issue | 93.80% |
| Share Holding Post Issue | 68.90% |
Incorporated in April 2016, BLS-E Services Limited is a digital service provider that offers Business Correspondence services to major banks in India, Assisted E-Services, and E-Governance Services at the grassroots level in India.
The company’s service offerings can be categorized into three parts (i) Business Correspondents Services; (ii) Assisted E-services; and (iii) E-Governance Services.
The company being a subsidiary of BLS International Services Limited provides visa, passport, consular, and other citizen services to state and provincial governments across Asia, Africa, Europe, South America, North America, and the Middle East through its technology-enabled platform. It is the only listed company engaged in this domain in India.
By 31st March 2023, the merchant network had grown to 92,427 in order to serve the underserved and unserved populations in hard-to-reach areas.
The revenue from operations in Fiscal years 2021, 2022 and 2023 were ₹6,448.72 lakhs, ₹9,669.82 lakhs and ₹24,306.07 lakhs, respectively.
As of June 30, 2023, the company has a total of 3,071 employees, including 2,413 contract employees.
BLS E-Services Limited’s revenue increased by 150.31% and profit after tax (PAT) rose by 277.94% between the financial year ending with March 31, 2023 and March 31, 2022.
| Period Ended | 30 Sep 2023 | 31 Mar 2023 | 31 Mar 2022 | 31 Mar 2021 |
| Assets | 213.77 | 179.47 | 55.93 | 40.59 |
| Revenue | 158.05 | 246.29 | 98.40 | 65.23 |
| Profit After Tax | 14.68 | 20.33 | 5.38 | 3.15 |
| Net Worth | 120.37 | 106.94 | 15.07 | 9.68 |
| Total Borrowing | 0.00 | 0.00 | 8.76 | 11.02 |
| Amount in ₹ Crore | ||||
The market capitalization of BLS E-Services IPO is Rs 1226.56 Cr.
| KPI | Values |
|---|---|
| ROE | 33.33% |
| ROCE | 30.62% |
| Debt/Equity | 0.05 |
| RoNW | 16.46% |
| P/BV | 7.2 |
| Pre IPO | Post IPO | |
|---|---|---|
| EPS (Rs) | 3.05 | 2.24 |
| P/E (x) | 44.31 | 60.33 |
Note:
The company proposes to utilise the Net Proceeds towards funding the following objects:
[Dilip Davda] BEL is a one-point technology enabled digital service provider and providing almost all related services under one roof. Considering “Digital India” move by the government, this company has very bright prospects going forward. Based on annualized FY24 earnings, though the issue appears fully priced, it has bright prospects ahead with major infra in place. Investors may park funds for the medium to long term rewards.
The BLS E-Services IPO is subscribed 162.38 times on February 1, 2024 7:02:00 PM. The public issue subscribed 236.53 times in the retail category, 123.30 times in the QIB category, and 300.05 times in the NII category.
| Category | Subscription (times) |
|---|---|
| QIB | 123.30 |
| NII | 300.05 |
| bNII (bids above ₹10L) | 305.27 |
| sNII (bids below ₹10L) | 289.59 |
| Retail | 236.53 |
| Others | 15.30 |
| Total | 162.38 |
Total Application : 3,961,160 (206.41 times)
Investors holding shares of BLS E-Services as of January 23, 2024 (the date of filing of the RHP with SEBI) are eligible to apply in the shareholder category of the BLS E-Services IPO. BLS International shareholders reservation portion of up to 23,03,000 Equity Shares available for allocation to BLS International Shareholders, on a proportionate basis. As per the RHP:
1. BLS E-Services shareholders holding more than and up to Rs 2 Lakh are eligible to apply for the SH category.
2. BLS E-Services shareholders (bidding up to Rs 2 lakhs) are also eligible to apply in the Retail Category.
3. Maximum Subscription Amount for Retail Investor & BLS International Shareholders Category is Rs. 2,00,000.
4. If you are a shareholder of BLS International as of January 23, 2024, you can apply under the BLS shareholder category up to Rs. 2,00,000.
5. To clarify, you can apply in the retail category up to Rs 2 lakhs and also in the BLS shareholder category up to Rs 2 lakhs. Similarly, you can apply in the S-HNI category over Rs 2 lakhs and also in the BLS International Reservation up to Rs 2 lakhs. You can apply either in the Retail category along with the BLS shareholder category or the SHNI category along with the BLS shareholder category.
6. Applicants in the BLS E-Services Shareholders Reservation Portion who bid up to Rs 200,000 are allowed to bid at the Cut-off Price.
Note: In the BLS International Shareholder Reservation, there is an upfront discount of Rs 7 and bids of 14 lots are allowed at the upper limit. However, due to lack of clarification to the bankers, many banks are not allowing 14 lots under this category.
BLS E-Services Limited
G-4B-1, Extension, Mohan Co-operative
Indl. Estate Mathura Road,
South Delhi, New Delhi – 110044, India
Phone: +91-11- 45795002
Email: [email protected]
Website: https://www.blseservices.com/
Phone: 04067162222, 04079611000
Email: [email protected]
Website: https://kosmic.kfintech.com/ipostatus/
भोलानाथ बिहार के एक छोटा सा गांव चकिया में रहता था। वह मेडिकल दुकान चलाता था। सारी दवाइयों की उसे अच्छी जानकारी थी। पूरी दुकान खुद संभालता था, इसलिए कौन-सी दवा कहां रखी है, उसे अच्छी तरह पता था।
वो पूरी ईमानदारी से अपना काम करता था। ग्राहकों को सही दवा, सही दाम पर देता था। सबकुछ अच्छा होने के बाद भी भोलानाथ नास्तिक था। भगवान में उसका जरा भी विश्वास नहीं था।
वह पूरा दिन दुकान पर काम करता और शाम को परिवार तथा दोस्तों के साथ समय गुजारता था। उसे ताश खेलने का शौक था। जब भी टाइम मिलता, दोस्तों के साथ ताश खेलने बैठ जाता था।
एक दिन वह दुकान पर था, तभी कुछ दोस्त आए। तभी भारी बारिश भी शुरू हो गई। रात हो गई थी, लेकिन सभी बारिश थमने का इंतजार कर रहे थे। बिजली भी चली गई थी। बैठे-बैठे क्या करें, सोचा मोमबत्ती की रोशनी में ताश ही खेल लेते हैं। सारे दोस्त दुकान में ताश खेलने बैठ गए।
सभी ताश में मगने थे, तभी एक लड़का दौड़ा-दौड़ा आया। वह पूरी तरह भीग चुका था। उसने जेब से दवा की एक पर्ची निकाली और भोलानाथ से दवा मांगी। भोलानाथ खेल में मगन था। उसने पहली बार में तो ध्यान ही नहीं दिया।
तभी लड़ने को जोर से आवाज देते हुए कहा, मेरी मां बहुत बीमार है। सारी दवा दुकानें बंद हो गई हैं। एक आपकी दुकान ही खुली है। आप दवा देंगे तो मेरी मां ठीक हो जाएगी।
भोलानाथ आधे-अधूरे मन से उठा, पर्ची देखी और अंदाज से दवा की एक शीशी उठाकर उसे दे दी। पैसे काटकर लड़के को लौटा दिए। लड़का भागते हुए चला गया।
तभी बारिश थम गई। भोलानाथ के दोस्त चले गए और भोलानाथ भी दुकान बंद करने लगा, तभी उसे ध्यान आया कि रोशनी कम होने के कारण उसने गलती से लड़के को चूहे मारने वाली दवा की शीशी दे दी है। भोलानाथ के हाथ-पांव फूल गए। उसका दिल जोर-जोर से धड़कने लगा। उसकी दस साल की नेकी पर मानो जैसे ग्रहण लग गया।
उस लड़के बारे में वह सोच कर वह तड़पने लगा। सोचा यदि यह दवाई उसने अपनी बीमार मां को देगा, तो वह अवश्य मर जाएगी। लड़का भी बहुत छोटा होने के कारण उस दवाई को तो पढ़ना भी नहीं जानता होगा।
एक पल वह अपनी इस भूल को कोसने लगा और ताश खेलने की अपनी आदत को छोड़ने का निश्चय कर लिया पर यह बात तो बाद के बाद देखी जाएगी। अब क्या किया जाए ?
उस लड़के का पता ठिकाना भी तो वह नहीं जानता। कैसे उस बीमार मां को बचाया जाए ? सच कितना विश्वास था उस लड़के की आंखों में। भोलानाथ को कुछ सूझ नहीं रहा था। घर जाने की उसकी इच्छा अब ठंडी पड़ गई। दुविधा और बेचैनी उसे घेरे हुए था।
घबराहट में वह इधर-उधर देखने लगा। पहली बार उसकी नजर दीवार के उस कोने में पड़ी, जहां उसके पिता ने जिद्द करके भगवान श्रीकृष्ण की तस्वीर दुकान के उद्घाटन के वक्त लगाई थी।
तब पिता ने कहा था, भगवान की भक्ति में बड़ी शक्ति होती है, वह हर जगह व्याप्त है और हमें सदैव अच्छे कार्य करने की प्रेरणा देता है। भोलानाथ को यह सारी बात याद आने लगी। आज उसने इस अद्भुत शक्ति को आजमाना चाहा।
उसने कई बार अपने पिता को भगवान की तस्वीर के सामने कर जोड़कर, आंखें बंद करते हुए पूजते देखा था। उसने भी आज पहली बार कमरे के कोने में रखी उस धूल भरे कृष्ण की तस्वीर को देखा और आंखें बंद कर दोनों हाथों को जोड़कर वहीं खड़ा हो गया।
थोड़ी देर बाद वह छोटा लड़का फिर दुकान में आया। भोलानाथ के पसीने छूटने लगे। वह बहुत अधीर हो उठा।
पसीना पोंछते हुए उसने कहा- क्या बात है बेटा तुम्हें क्या चाहिए?
लड़के की आंखों से पानी छलकने लगा। उसने रुकते-रुकते कहा- बाबूजी.. बाबूजी मां को बचाने के लिए मैं दवाई की शीशी लिए भागे जा रहा था, घर के करीब पहुंच भी गया था। बारिश की वजह से आंगन में पानी भरा था और मैं फिसल गया। दवाई की शीशी गिर कर टूट गई। क्या आप मुझे वही दवाई की दूसरी शीशी दे सकते हैं बाबूजी? लड़के ने उदास होकर पूछा।
हां ! हां ! क्यों नहीं ? भोलानाथ ने राहत की सांस लेते हुए कहा। लो, यह दवाई!
पर उस लड़के ने दवाई की शीशी लेते हुए कहा, पर मेरे पास तो पैसे नहीं हैं, उस लड़के ने हिचकिचाते हुए से कहा।
भोलानाथ को उस पर दया आई। कोई बात नहीं – तुम यह दवाई ले जाओ और अपनी मां को बचाओ। जाओ जल्दी करो, और हां अब की बार जरा संभल के जाना। लड़का, अच्छा बाबूजी कहता हुआ खुशी से चल पड़ा।
अब भोलानाथ की जान में जान आई। भगवान को धन्यवाद देता हुआ अपने हाथों से उस धूल भरे तस्वीर को लेकर अपनी धोती से पोंछने लगा और अपने सीने से लगा लिया।