Every day we wake up to the fact that more than 250 million lives are part of our family called LIC.
We are humbled by the magnitude of the responsibility we carry and realise the lives that are associated with us are very valuable indeed.
Though this journey started over six decades ago, we are still conscious of the fact that, while insurance may be a business for us, being part of millions of lives every day for the past 61 years has been a process called TRUST.
A true saga Of Trust.
Star Health and Allied Insurance Co Ltd commenced its operations in 2006 with the business interests in Health Insurance, Overseas Mediclaim Policy and Personal Accident. With no other insurance category to focus and divide our attention, we use our resources to focus on service excellence, design products and use core competency of innovation to deliver the best to our customers.
At Star Health Insurance, the company offers a wide range of health insurance products at affordable prices to make health insurance every human being’s right. And as a company, single-mindedly dedicated to health insurance.
We have built a promising path for our future with a capital base of Rs.1050 crores. We have emerged as India’s first stand-alone Health Insurance Company, dealing in personal accident, medi-claim and overseas travel insurance.
NEW INDIA ASSURANCE CO. LTD, founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries and headquartered at Mumbai, India. Our global business crossed Rs. 22,270 crores in March 2017.
We have been market leaders in India in Non – Life business for more than 40 years. Our Indian business crossed Rs.19,100 crores in March 2017. We are the only direct insurer in India rated A-(Excellent) by AM BEST Company since 2007. We have been rated AAA/Stable by CRISIL since 2014, indicating that the Company has the highest degree of Financial Strength to honour its Policyholder's obligations.
We have been leading the market, apart from premium, in reserves & net worth for many years.
Incorporated in 1989, LIC Housing Finance Ltd (LICHFL) is one of the largest Housing Finance Companies in India with a key objective of providing long term finance to individuals for the purchase or construction of house/flat for residential purposes in India. LICHFL also provides finance on existing property for business/ personal needs and also gives loans to professionals for purchase/construction of Clinics/Nursing Homes/ Diagnostic Centers/ Office Space and also for purchase of equipment. The Company also provides finance to builders and developers engaged in the business of construction of houses or flats for residential purpose and to be sold by them.
The Company went public in 1994 and since then its stocks are listed and actively traded on the National Stock Exchange (NSE) and Bombay Stock Exchange Limited (BSE).
The Company Identification Number (CIN) is L65922MH1989PLC052257.
LIC HFL is amongst the pioneers in India ensuring access to housing finance for home ownership. With a strong business foundation, an extensive distribution network and proven industry expertise, LIC HFL is a respected and trusted financial services company. We pride in having served over 21 lakhs prudent home owners.
Families served and more
252 marketing offices
Including two abroad
Around 10,000 marketing intermediaries
To guide through the loan processes
Online Home loan approvals
Through our website www.lichousing.com
Rs 2.42 lakh crore
Rs 1.44 lakh croreAnd more is the loan book
To partner in the nation building process through progressive tax policy, efficient and effective administration and improved voluntary compliance
The following Mission statement outlines the roadmap for the ITD to realise its vision.
Our Mission To formulate progressive tax policies To make compliance easy To enforce tax laws with fairness To deliver quality services To continuously upgrade skills and build a professional and motivated workforce
Our Values :-
Integrity: “We discharge our duties truthfully, honestly and transparently”
Accountability : “We are responsible for our actions and outcomes”
Responsiveness : “We are sensitive, prompt, fair and objective in our dealings with our stakeholders, fostering mutual trust”
Professionalism : “We strive for improving performance and competence with a focus on achieving excellence”
Innovation : “We encourage new ideas, methods, processes and practices” Collaboration “We work together with our stakeholders and partners to achieve common goals”
HDFC is a leading provider of Housing Finance in India. With our customized solutions we have fulfilled over 8 million dreams since inception Our Experience · Pioneered Housing Finance in 1977. Cumulative housing unit financed :8.6 million Gross loans stood atRs.5.7 trillion About 2.1 million Deposits Accounts · A model private Housing Finance Company for developing countries with nascent Housing Finance markets. Undertaken several consultancy assignments in housing finance in various countries across Asia, Africa and East Europe
Accounting and Financial services Book keeping, Internal Audit, Financial statements, Budget, Cash Flow analysis, Strategic planning and Cost analysis, Investment advisory, tax planning and guidance. · Income Tax filling- Individual, Proprietorship, Partnership firm and Companies. · GST Registration and Filing · PF & ESI- Registration, Monthly Return filing and claims are handled. · TDS- Payment, monthly return filing (24Q & 26Q) for individual companies and firms. · Payroll- Processing and Professional Tax filing.
Accounting and Financial services Book keeping, Internal Audit, Financial statements, Budget, Cash Flow analysis, Strategic planning and Cost analysis, Investment advisory, tax planning and guidance. · Income Tax filling- Individual, Proprietorship, Partnership firm and Companies. · GST Registration and Filing · PF & ESI- Registration, Monthly Return filing and claims are handled. TDS- Payment, monthly return filing (24Q & 26Q) for individual companies and firms. · Payroll- Processing and Professional Tax filing.
PNB Housing Finance Limited (PNB Housing) is a registered housing finance company with National Housing Bank (NHB). It was incorporated under the Companies Act, 1956 and commenced its operations on November 11, 1988. PNB Housing is promoted by Punjab National Bank (PNB). The Company came out with a public issue of equity shares in November 2016. Its equity shares are listed on National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) with effect from 7th November 2016.
With over three decades of specialised experience in housing finance, PNB Housing has a robust network of branches spread across the country which help its customers avail financial services (loans and deposits) seamlessly.
Credit Rating of PNB Housing Finance
|Fixed Deposits||FAA+/Negative by CRISIL|
IND AA/Negative by India Ratings
|Bank Loans Long Term Rating||CRISIL AA/Negative|
|Commercial Paper Program||CARE A1+|
PNB Housing provides housing loans to individuals and corporate bodies for purchase, construction, repair and upgradation of houses. It also provides loans for commercial space, loan against property and loan for purchase of residential plots.
through mutualInvesting through mutual funds has become the most popular way of
savings now-a-days. Mutual fund is a professionally managed scheme wherein they
pool money from different numerous investors to be invested in bonds, stocks
& other securities. Your investments done through MFs are safe as all the
mutual fund operators are registered with SEBI & work within framework
created to protect the investors.
Advantages Of Investing In Mutual Funds
Mutual funds have become a very popular investment option in India and this trend still continues with new funds and schemes being introduced in the market regularly. Some of the key reasons why people invest in mutual funds are outlined below.
Professional management: Mutual funds are managed by fund managers of asset management companies. These managers employ their investment expertise to minimise risks and maximise returns to investors. Individuals often find it difficult to decide which assets to invest their savings in due to lack of financial knowledge.
Diversification of risks: Since mutual funds invest in a number of securities, risk is diversified. The chances of all stocks performing badly at the same time is low. Losses suffered on some stocks are offset by gains made on others. This leads to minimization of risks.
Affordable investment option: For those who don’t have sizeable amounts to invest in direct equity or other instruments that require a high initial investment, mutual funds make for an affordable investment avenue. Also, transaction costs are spread out over a number of investors thereby lowering individual costs.
Focused investments: All mutual funds feature schemes clearly specifying which assets are targeted for investments, allowing investors to direct savings to different asset classes in an organised and focused manner. It also gives investors access to certain securities otherwise unavailable to them e.g. foreign sectors or foreign securities which cannot be invested in by individuals.
Choice of assets: There are various types of funds e.g. equity funds, debt funds, money market funds, hybrid funds, sector funds, regional funds, fund of funds, index funds etc. giving investors a wide range of choice.
Easy purchase and redemption: Fund units can be easily bought and sold at prevailing unit prices or NAVs. Unless there’s a lock-in period, it is easy for investors to buy into or out of a fund thereby providing liquidity.
Tax benefits: A number of funds/schemes have been designed to act as tax-saving instruments e.g. ELSS or equity linked saving schemes. Investments made in these schemes qualify for income tax deductions.
High returns: Mutual funds have been known to provide good returns on medium and long-term investments since investors can diversify risk to enhance overall returns.
Regulated investments: All funds come under the purview of SEBI (Securities Exchange Board of India) which ensures dealings are as per regulations. This provides an element of safety to investments made.
Easy to track: It can be hard for investors to regularly review their investment portfolios. Mutual funds provide clear statements of all investments which makes it easy for investors to keep a tab on. Hybrid or balanced funds provide investors an avenue to access both equity and debt funds at one go in a proportion of choice.
SIP options: Systematic Investment Plans let individuals invest small amounts on a regular basis to avail benefits of rupee cost averaging. It’s an alternative to those who cannot invest lump sum amounts thereby appealing to investors across income levels. Mutual funds accept initial investments as low as Rs.500.
Flexibility through fund switching: Many funds offer investors flexibility by letting investors switch between schemes or between funds to avail better returns