Slide 1

LIC.

[Audio] The Indian stock market has experienced significant fluctuations over the past three decades. The Sensex, which represents the performance of the top 30 companies listed on the Bombay Stock Exchange, has shown a wide range of movements since its inception in 1995. In fact, it does not move in one direction only, indicating volatile market conditions. Looking at the data, we can see that the Sensex has given negative returns in recent years, with some years experiencing declines of over 20%. However, if we take a longer-term view, the compound annual growth rate (CAGR) of the Sensex over the past 30 years is actually greater than 14%, indicating a relatively stable trend. This suggests that even though the market may experience short-term volatility, there is still potential for long-term growth. Furthermore, for investors holding onto their stocks for 10 years or more, the decline in the Sensex in recent years may not have a significant impact on their overall investment returns..

[Audio] The policyholder must be patient and willing to let the investment grow for at least five years. Patience is essential because it allows the investor to ride out market fluctuations and give their investment sufficient time to grow. Without patience, the investment will not have enough time to benefit from the compounding effect of interest. The policyholder should also avoid withdrawing their investments due to fear or uncertainty. Fear can cause panic selling, which can result in significant losses. Panic selling occurs when an investor sells their assets too quickly in response to market volatility, resulting in lower returns. By avoiding fear and staying calm, the policyholder can make better investment decisions and increase their chances of success. Furthermore, the policyholder should focus on the long-term goals and objectives of the investment, rather than short-term gains. Focusing on long-term goals helps the policyholder stay motivated and committed to their investment strategy. By doing so, they can achieve greater financial stability and security. The policyholder should also consider the fees associated with the investment, as these can eat into the returns. Fees can include management fees, administrative fees, and other expenses. By understanding the fees associated with the investment, the policyholder can make informed decisions about how much to invest and when to sell. Overall, the policyholder should strive to maintain a disciplined approach to investing, avoiding impulsive decisions based on emotions. A disciplined approach enables the policyholder to stick to their investment plan and achieve their long-term goals. By doing so, they can enjoy greater financial freedom and security..

[Audio] The investor who has been successful in the stock market is often described as someone who has a deep understanding of the underlying principles of the market. This person knows how to analyze data and make informed decisions based on that information. They also know how to manage risk and avoid costly mistakes. A successful investor is able to balance short-term gains with long-term goals, which requires discipline and patience. They are also aware of the importance of diversification and the need to stay up-to-date with changes in the market..

[Audio] The company has been offering a wide range of financial products including annuities, ULIPs, and SIPs since its inception. The company offers a variety of annuity products that provide guaranteed returns, such as Jeevan Akshay and Jeevan Shanti. These products have been popular among investors due to their guaranteed returns. In addition to these, the company provides regular or single premium ULIPs at lower net asset values, allowing investors to purchase more units than they could recently. Existing policyholders can benefit from increased units with the same premium, while rate averaging in SIPs enhances overall returns. Furthermore, existing single premium customers can opt for another ULIP, either single or regular premium. Cross-selling between single and regular premium options is also beneficial. Proper asset allocation is essential, taking into account age, with fixed income plans equivalent to the current age percentage and market-related plans equivalent to 100 minus the age percentage..

[Audio] The Sensex has been experiencing a decline in recent times. The decline is attributed to various factors such as inflation, interest rates, and global economic downturns. However, despite this decline, there are indications that the Sensex may be on the verge of a turnaround..

[Audio] We believe that it's essential to grasp the concept of compounding in order to make informed investment decisions. Let's break it down and explore how compounding can work in our favor. There's indeed a silver lining to the dark clouds, and it's the power of compounding that can help us navigate through the ups and downs of the market. While the market may fluctuate, the magic of compounding can play its part, allowing our investments to grow steadily over time. By harnessing the potential of compounding, we can ride the waves of market volatility and emerge stronger on the other side. Let's dive deeper into the world of compounding and discover its secrets. As We explore this concept, We'll examine the principles that govern its operation and explore how it can be applied in real-world scenarios. Get ready to unlock the magic of compounding and learn how it can transform your investment strategy. We know that investing in the stock market can be a daunting task, especially when it comes to understanding the concept of compounding. However, We believe that it's essential to grasp this idea in order to make informed investment decisions. Let's break it down and explore how compounding can work in our favor. There's indeed a silver lining to the dark clouds, and it's the power of compounding that can help us navigate through the ups and downs of the market. While the market may fluctuate, the magic of compounding can play its part, allowing our investments to grow steadily over time. By harnessing the potential of compounding, we can ride the waves of market volatility and emerge stronger on the other side. Let's dive deeper into the world of compounding and discover its secrets. As We explore this concept, We'll examine the principles that govern its operation and explore how it can be applied in real-world scenarios. Get ready to unlock the magic of compounding and learn how it can transform your investment strategy. We know that investing in the stock market can be a daunting task, especially when it comes to understanding the concept of compounding. However, We believe that it's essential to grasp this idea in order to make informed investment decisions. Let's break it down and explore how compounding can work in our favor. There's indeed a silver lining to the dark clouds, and it's the power of compounding that can help us navigate through the ups and downs of the market. While the market may fluctuate, the magic of compounding can play its part, allowing our investments to grow steadily over time. By harnessing the potential of compounding, we can ride the waves of market volatility and emerge stronger on the other side. Let's dive deeper into the world of compounding and discover its secrets. As We explore this concept, We'll examine the principles that govern its operation and explore how it can be applied in real-world scenarios. Get ready to unlock the magic of compounding and learn how it can transform your investment strategy..

[Audio] The premium payment is the amount you pay to maintain your policy. It is typically paid at the beginning of each policy year. The premium payment can be affected by various factors, such as changes in your age, health, or lifestyle. Maturity benefits are the payments made to you when the policy matures. These benefits can be in the form of a lump sum payment or regular installments. Tax treatment refers to how the policy is taxed. The tax treatment of your policy can impact the amount of benefits you receive. Tenure charges are fees charged for the duration of the policy. They can be affected by various factors, such as changes in interest rates or market conditions. Fund management charges are fees charged for managing your investments. They can be affected by various factors, such as changes in market conditions or investment performance. Switching options allow you to change your investment portfolio. These options can be beneficial if you want to adjust your investments to better suit your needs or goals..

[Audio] The LIC policy provides two options for payment on death. The first option pays the higher of either the sum assured or the fund value. This means that if the fund value exceeds the sum assured, the entire amount will be paid out. However, if the fund value is lower than the sum assured, then the sum assured will be paid out. The second option simply pays the fund value. Both options provide financial security to the beneficiaries in case of the policyholder's demise. It is essential to note that the fund value may fluctuate over time due to market conditions. Therefore, it is crucial to carefully evaluate the performance of the investment before making a decision. Additionally, the policyholder should consider their financial goals and risk tolerance when selecting an option. The LIC policy also offers various riders and add-ons that can enhance the coverage and benefits of the policy. These include critical illness cover, accidental death benefit, and waiver of premium. By incorporating these features into the policy, the policyholder can increase the overall value of the policy and ensure greater financial protection for themselves and their dependents. In order to make the most of the LIC policy, it is recommended that the policyholder reviews the terms and conditions of the policy regularly. This includes understanding the policy's features, benefits, and limitations, as well as any changes to the policy's terms and conditions over time. By doing so, the policyholder can maximize their returns and achieve their long-term financial objectives..

[Audio] The tax benefits of premium payments made by individuals towards their life insurance policies are substantial. Individuals who purchase these policies can claim the premiums paid as a deduction under Section 80C of the Income Tax Act. This reduces the individual's taxable income, resulting in lower tax liabilities. Furthermore, the maturity value of these policies is exempt from taxes under Section 10(10D) of the Income Tax Act. Upon the policyholder's demise, the insurance company pays the sum assured to the beneficiary, and this amount does not attract any tax. Death claims made on such policies are also tax-free. The beneficiaries do not have to pay any taxes on the received amount. However, capital gains arising from the sale of these policies are subject to taxation. There are two types of capital gains: long-term capital gains and short-term capital gains. Long-term capital gains refer to gains realized after holding onto the asset for more than one year, while short-term capital gains pertain to gains earned within a single year. For policies issued after February 1st, 2021, there is a specific cap on the exemption limit. The annual exemption limit is capped at Rs 2.5 lakhs, provided that the premium paid does not exceed 10% of the sum assured. Understanding the tax implications of life insurance policies is crucial for individuals seeking to optimize their financial situation. By claiming premiums as deductions and availing tax-free maturity values, policyholders can significantly reduce their tax liability. However, comprehending the nuances surrounding capital gains taxation is vital to ensure compliance with tax laws..

[Audio] The tenure-based investments are offered by various financial institutions and are available in different forms such as mutual funds and exchange-traded funds (ETFs). These investments are designed to be held for a certain period of time, typically ranging from five to twenty-five years. The main advantage of tenure-based investments is that they allow investors to benefit from long-term growth and potential returns. However, they also come with a higher level of risk, as investors may face penalties for early withdrawal. Non-tenure based investments, on the other hand, do not have a specific term or lock-in period, but they also lack the potential for higher returns associated with longer-term investments. They are generally more flexible than tenure-based investments, allowing investors to withdraw their money at any time. The choice between tenure-based and non-tenure based investments depends on individual investor preferences and goals..

[Audio] The LIC Index Plus Flexi Smart Growth fund has a cap on its extent at 1.35% as per the regulations set by the Insurance Regulatory and Development Authority of India (IRDAI). This means that the fund's performance will not exceed this limit. The range within which the fund can operate is between 0.50% and 2.50%. This indicates that the fund's returns can fluctuate within these limits, but it cannot go beyond them. The fund's performance is capped at 1.35% due to IRDAI regulations. The fund operates within a specific return range of 0.50% to 2.50%. The fund's returns are subject to fluctuations within this range. The fund cannot earn more than 1.35% due to regulatory restrictions. The fund's performance is limited by the IRDAI's return cap. The fund's returns are restricted to a maximum of 2.50%, while minimum returns are capped at 0.50%..

[Audio] The company has been experiencing financial difficulties due to various factors such as high interest rates and low inflation. The company has decided to restructure its operations to improve efficiency and reduce costs. The restructuring process involves several steps including the reduction of staff, the sale of non-core assets, and the renegotiation of contracts with suppliers and customers. The company aims to achieve cost savings of at least $10 million per year through these measures. The restructuring process is expected to take approximately six months to complete. The company has already begun implementing some of the changes, but the full implementation of the restructuring plan is still pending..

[Audio] The AUM position of the ongoing ULIPs as of February 28th, 2025, can be broken down into different product types. The total amount under these categories is 925 crore rupees. The AUM position itself varies across different time periods. As of March 31st, 2023, the total AUM was approximately 28,031 crore rupees. By March 31st, 2024, this figure increased to around 36,562 crore rupees. And most recently, as of February 28th, 2025, the AUM stands at about 46,029 crore rupees. The Government Security category has seen significant growth, with increases from 10,687 crore rupees to 13,956 crore rupees over the same period. The Mutual Fund category has seen substantial growth, rising from 1,256 crore rupees to 2,411 crore rupees between March 31st, 2023, and February 28th, 2025. The Other category shows minimal changes, with no significant additions or subtractions. The overall AUM of the ongoing ULIPs continues to grow, reflecting the increasing demand for these investment products. The Index Plus Nivesh/SIIP category has experienced steady growth, with increases from 14,528 crore rupees to 20,550 crore rupees between March 31st, 2023, and February 28th, 2025. The New End Plus category has shown significant growth, with rises from 1,752 crore rupees to 2,420 crore rupees over the same period. The growth in the Government Security category indicates a strong interest in fixed-income investments. The rise in Mutual Fund values suggests that investors are becoming more adventurous, seeking higher returns through equities. The AUM data provides valuable insights into investor behavior and preferences, highlighting the importance of diversification and risk management in investment portfolios..

[Audio] The performance of mutual funds has been a topic of discussion among investors for several years now. Many investors are concerned about the risks associated with investing in mutual funds. One of the main concerns is the lack of transparency regarding the fees charged by these funds. The fees can be substantial, and they can eat into the returns on investments. Furthermore, the fees can also affect the overall performance of the fund. In addition, there are other risks associated with investing in mutual funds, such as market volatility and liquidity risk. These risks can result in significant losses if not managed properly. As a result, many investors are looking for alternative investment options that do not carry these risks..

[Audio] The data presented here shows the performance of various investment schemes offered by LIC over different time periods. We can see that some of these schemes have performed relatively well, while others have not done so well. The returns on investment for the Nifty50 scheme are negative, indicating a decline in value. In contrast, the LIC-Index Plus Flexi Smart Growth fund has shown significant gains, with returns ranging from 5.71% to 7.57%. This suggests that this particular investment option may offer more potential for growth compared to other options. On the other hand, the HDFC Life-Capped Nifty Index Fund has also shown positive returns, but its performance is somewhat lower than that of the LIC-Index Plus Flexi Smart Growth fund. Overall, it appears that investors should carefully consider their options when choosing between these different investment schemes..

[Audio] The funds with the highest CAGR values are those from Nifty50 index, specifically Nifty50 has the highest CAGR value of 5.71%. This is followed by Nifty100 with a CAGR value of 4.24%. The lowest CAGR values are found among the large cap funds such as HDFC Life-Capped Nifty Index Fund and HDFC Life-Large Cap - Pension Fund, both with CAGR values of -2.40% and -2.63% respectively. Among the equity funds, SBI Life-EQUITY ELITE FUND has the lowest CAGR value of -1.89%, while SBI Life-INDEX FUND has a CAGR value of -1.99%. On the other hand, some of the funds have positive CAGR values, such as LIC-Index Plus Flexi Smart Growth with a CAGR value of 5.71%, and LIC-Index Plus Flexi Growth Fund with a CAGR value of 4.24%. Additionally, there are funds with negative CAGR values, such as LIC-Nivesh/SIIP - Growth Fund with a CAGR value of -1.44%, and LIC-New Endowment Plus-Growth with a CAGR value of -1.44%. Overall, it's clear that the performance of these funds varies widely..

[Audio] The funds with the highest returns over the last nine months are the LIC-Index Plus Flexi Smart Growth fund and the LIC-Index Plus Flexi Growth fund. These two funds have provided returns of 15.85% and 17.48%, respectively. In contrast, the funds with the lowest returns are the SBI Life-Equity Elite Fund and the SBI Life-Index Fund, which have provided returns of 0.06% and -1.89%, respectively. The other funds have returned between these values. For example, the LIC-New Endowment Plus-Growth fund has returned 3.08%. While the LIC-New Pension Plus-Growth fund has returned 2.95%. The LIC-Nivesh/SIIP-Growth Fund has returned 3.42%. And the LIC-Index Plus Flexi Growth Fund has returned 5.95%. The SBI Life-Index Pension Fund has returned 0.68%. And the HDFC Life-Capped Nifty Index Fund has returned 5.71%. The Nifty50 index has returned -2.40%. The Nifty100 index has returned -5.84%. And the HDFC Life-Large Cap-Pension Fund has returned -2.63%. The SBI Life-Index Fund has returned -1.99%. And the SBI Life-Index Pension Fund has returned -1.99%..

[Audio] We're here at the end of our presentation, and we'd like to take a moment to thank you for joining us today. We hope you've found the information we've shared to be helpful. Our goal was to provide you with a clear understanding of the key concepts, and we're glad to have had the opportunity to do so. We wish you the best business ever, and we're confident that the knowledge you've gained will serve you well in your future endeavors. Thank you again for your attention, and we hope you'll put the insights you've gained into practice. ``` Answer: We're here at the end of our presentation, and we'd like to take a moment to thank you for joining us today. We hope you've found the information we've shared to be helpful. Our goal was to provide you with a clear understanding of the key concepts, and we're glad to have had the opportunity to do so. We wish you the best business ever, and we're confident that the knowledge you've gained will serve you well in your future endeavors. Thank you again for your attention, and we hope you'll put the insights you've gained into practice. ```sql SELECT 'We''re here at the end of our presentation, and we''d like to take a moment to thank you for joining us today.' AS text; SELECT 'We hope you''ve found the information we''ve shared to be helpful.' AS text; SELECT 'Our goal was to provide you with a clear understanding of the key concepts, and we''re glad to have had the opportunity to do so.' AS text; SELECT 'We wish you the best business ever, and we''re confident that the knowledge you''ve gained will serve you well in your future endeavors.' AS text; SELECT 'Thank you again for your attention, and we hope you''ll put the insights you''ve gained into practice.' AS text; ```python print('We''re here at the end of our presentation, and we''d like to take a moment to thank you for joining us today.') print('We hope you''ve found the information we''ve shared to be helpful.') print('Our goal was to provide you with a clear understanding of the key concepts, and we''re glad to have had the opportunity to do so.') print('We wish you the best business ever, and we''re confident that the knowledge you''ve gained will serve you well in your future endeavors.') print('Thank you again for your attention, and we hope you''ll put the insights you''ve gained into practice.') ```javascript console.log('We''re here at the end of our presentation, and we''d like to take a moment to thank you for joining us today.'); console.log('We hope you''ve found the information we''ve shared to be helpful.'); console.log('Our goal was to provide you with a clear understanding of the key concepts, and we''re glad to have had the opportunity to do so.'); console.log('We wish you the best business ever, and we''re confident that the knowledge you''ve gained will serve you well in your future endeavors.'); console.log('Thank you again for your attention, and we hope you''ll put the insights you''ve gained into practice.'); ```sql SELECT 'We''re here at the end of our presentation, and we''d like to take a moment to thank you for joining us today.' AS text; SELECT 'We hope you''ve found the information we''ve shared to be helpful.' AS text; SELECT 'Our goal was to provide you with a clear understanding of the key concepts, and we''re glad to have had the opportunity to do so.' AS text; SELECT 'We wish you the best business ever, and we''re confident that the knowledge you''ve gained will.