Mutual Funds Calculator: Your Perfect Financial Planning Tool

In any stage of financial planning, everyone strives to know how much earnings they would accumulate in the form of returns and save tax thereon. Especially, when it comes to Mutual Funds where mutual funds calculator will assist you in calculating your investments and assess the performance of your returns over a specified period of time. Let's take a look at how mutual fund calculators are helpful to you in various ways:

Mutual Fund Returns Calculator

Are your mutual funds giving you healthy returns? Know with the help of the Mutual Fund Returns Calculator which will lend you support in making you informed about the returns generated over a specified period of time. It also highlights you the returns and performance rank of the fund within its peer group for a selected time period. Moreover, you can use the mutual fund returns calculator for evaluating the performance returns of your scheme as under:

1. Enter the name of Mutual Fund

2. Enter the scheme name of the Mutual Fund

3. Enter the date of returns for the stipulated time period which you want to access with.

Mutual Fund Ranking Calculator

Check out the performance of overall mutual fund schemes with the help of a Mutual Fund ranking calculator. The schemes have their specified category for the chosen time intervals ranging from 7 days to 3 years and so on. The comprehensive picture will divulge you the returns and performance rank of the fund. An investor will ascertain their investments suitably as to which mutual fund scheme they would like to go for.

Mutual Fund SIP Return Calculator

SIP is a method of investing a fixed amount, continually, in a mutual fund scheme. SIP permits an investor to buy the units on a prescribed date every month so that one can estimate their saving plan for themselves. An investor doesn't need to time the market. By taking the help of SIP Calculator, one can even get to know that how small investments made at regular time intervals can garner better returns over a long time period.

By using Mutual Fund SIP Return Calculator, an investor can examine the returns accrued on their SIP investments in a specified fund till date. All you need to go through the steps by using the Mutual Fund SIP Return Calculator:

1. Choose the name of AMC you would like to invest.

2. Choose the scheme name of that particular AMC you would like to invest.

3. Enter your amount of investment in INR.

4. Enter your SIP frequency-Monthly or Quarterly.

5. Enter your SIP date from the beginning date of your investment till its maturity.

Tax Savings Calculator

Now you can save tax by investing in ELSS, NPS, and other 80C instruments.  By using Tax Savings calculator, you can evaluate how much tax you can save on these instruments. Just go through the steps given below:

1. Enter the Total Amount for the year.

2. Enter the amount calculated(after adding both employer and employee contribution) in your Employee Provident Fund(EPF) account.

3. Enter the amount invested in your Public Provident Fund(PPF) account.

4. Enter the premium amount of your Life Insurance

5. Enter the returns fetched by your 5-Year Bank Fixed Deposit

6. Enter the repayment amount for your house loan (principal portion)

7. Enter the Tuition Fees which goes towards your child's education

8. Enter the amount for 'Any other Kind of Investment' being made(the sum total amount)

The moment you submit all the above details, the calculator will show you the results about the total deductions made under Section-80 C of the Income Tax Act, 1961 & your total income after deductions. The final result will also highlight the amount of savings which you can further invest in other financial instruments.

Lump Sum Calculator

Lump Sum Calculator is useful in instances where your lump-sum investment which you have made  today help you to fetch the returns over a particular period of time at a specified rate of return.

Enter the amount in the lump sum calculator with time and an expected rate of return. See how the power of compounding works effectively for you. For example : An investment of ₹ 20 lakhs is to be made by an investor at expected returns 15% p.a. for the period of 20 years. After calculating the maturity value through the calculator, the result comes out to be   ₹ 3,27,33,074.79.

Disclaimer- Mutual Funds are subject to market risks. Please read the scheme related documents carefully before investing.

Union bank Business Loan - Service with Solutions

Business loans are specifically designed for completing all the basic as well as special requirements of the business. It permits the individual to borrow for money from banks and financial institution to complete as well as to complement the business requirements. These credit are provided to customers so that  they can attain their all business related requirements.

Basically funds are required to set up business and machinery, to purchase land, machinery, building , inventory, or to increase the working capital for well functioning of the enterprise. Arranging  adequate funds is an essential part of establishing or expanding an enterprise. Funds are not required only to set up the company, but money is required to maintain the performance of the enterprise for long term which is extremely important. These credit helps in providing funds to the needed individuals or corporations.

Union bank business loan is one of the excellent offer for credits for a small, medium as well as large units. These credits are backed by government. It is sponsored by the government of India so it is risk free and is very liable for the applicant. It is availble for profit earning enterprises in every virtual industry.

Union bank business loans provides the applicant greater flexibility as compared to other institutions due to its low down payment and longer financing terms than other conventional credit options. It can be utilized for different purposes. It is the financial assistance offered to the enterprises. It may be termed as debt which is to be repaid by the applicant according to the flexibly specified terms and conditions.

This credit facility provides ease to the functioning of micro, small and middle enterprises by providing them with the credit under various schemes and benefits. The financial institution sanctions the credit up to 5 crore INR. the credit tenure for Union bank business loans is up to 10 years. The credit is offered against security. The application can be submitted as per the eligibility online as well as offline by visiting the nearest branch of the institution.

Features of Union Bank Business loans

• Secured loans: The credit  offered by this financial institution is secured which means the applicant have to submit any property or gold etc as a collateral against the credit amount to the institution. The benefit of secured credit is the interest rates are comparatively low than the unsecured credits.

• Interest charged:The interest charged by this government sponsored bank is very compatible for the individual. The minimum rate of interest which can be charged on the credit is 9.40 per cent per annum and the maximum interest rate that can be charged by the applicant is up to 14.80 per cent per annum.

• Maximum loan amount: The maximum amount of credit that can be availed by the applicant is very high. The maximum amount of credit that can be borrowed by the candidate is up to 5 crore INR.

• Minimum loan amount: The minimum amount of credit that should be availed by the applicant for this type of credit facility is of 50 thousand INR.

• Processing fee: There is no charges required as the processing fee to paid by the customer to avail the credit amount.

Eligibility for Union bank Business loans

• Category : Any salaried employee of government or a private corporate can apply for the credit in this financial institution. Any self employed, professional, partnership firm as well as any corporate company can also apply to get the credit facilities for the growth and survival of the business.

• Age: The minimum age in which the credit for the enterprise can be availed is 21 years and the maximum till which the credit can be taken from this financial institution is 58 years for the salaried employees. The minimum age to avail the credit is 21 years and the maximum age is 65 years for self employed.

• Applicant should be resident of India.

Documents Required for Union Bank Business Loans

• Duly signed application form

• ID proof: Aadhar card/ PAN card/ passport/ Driving license/  ration card

• Address Proof: Aadhar card/ Electricity bill/ telephone bill/ Rent agreement

• Income proof: PAN card/ last 3 month salary slip or form 16

• Bank statement or passbook

• Balance sheet and profit and loss statement of last 2 years.

• Business address proof

• Memorandum of association and articles of association

• MSE registration if applicable

• Passport size photographs

Yes Bank Fixed Deposits- Invest without risk

Yes Bank is a private bank in India . It has its headquarters in Mumbai Maharashtra. It was founded in 2004. It has a collective shareholdings of 29 %. Yes Bank has positioned itself as a Full service commercial bank, with corporate and institutional banking, financial markets, investment, branch and transaction banking, corporate finance and wealth management business line.

The Yes Bank fixed deposits are among one of the best FDs. A yes bank fixed deposit is a financial instrument which provides investors with a higher rate of interest than a regular savings account, until the maturity date. It is also known as term deposit or time deposit. They are kind of very safe instruments.

This financial institution provides fixed deposit to the customers who can deposit excess amount of money with the institution to earn attractive rates of interest. It is a steady source of income. This is the safest investment. The secure FDs provides greater earning with the flexibility of maintaining the funds in accessible units. The customer do not need to break the entire  deposit. The customer can do easy withdrawals of as cash without breaking the FD. This institution also offers a range of benefits to the customers.

The Yes bank fixed deposits interest rates are very high. They provide a interest of 7 per cent per annum. Interest on the deposits is compounded quarterly. The minimum amount of deposit accepted by bank is 1000 INR. It offers Yes Bank fixed deposit for different tenures. For senior citizens it offers higher interest rates than the other FDs interest rates.

Benefits of Yes Bank Fixed Deposits

• Minimum FD tenure: The amount of money can be deposit with the institution for a minimum time period of 7 days.

• Maximum FD time period: The money can be deposited with the bank for maximum 10 years.

• Benefit for senior citizen: The senior citizens are allowed an additional rate of interest of 0.50 percent like if the interest offered on general FDs is 7 %, then the interest offered to senior citizens will be 7.50 per cent per annum.

• Reinvestment: The principal amount along with the interest can be again re invested  to earn compounded interest through which the customer will earn a higher return.

• Premature withdrawals: The customer can make premature withdrawals from the FD6 account. There will be no charges against the premature withdrawals.

• Minimum amount of Withdrawal: If the customer want to withdraw some amount from his FD he can withdraw just even 1 INR per unit.

• Overdrafts against FD: The applicant can also avail overdrafts against the submittted amount at attractive interest rates. It provides liquidity of the funds to the customers.

• Auto Renewal Facility: This scheme also provides auto renewal facility wherein the funds are automatically reinvested in the scheme at the original terms and conditions, if there are no such instructions to the contrary on maturity.

Interest on Yes bank Fixed Deposits

• Interest on Short term: This financial institution offers  varied interest rates according to different tenures.

1. For a tenure of 30 days, the bank offer interest at the rate of 5.50 per cent.
2. For a tenure of 46 to 90 days, the bank offers interest at the rate of 7.10 per cent.
3. For a tenure of 91 to 80 days, the bank offers interest at the rate of 7.40 per cent.
4. For a tenor of 180 days to 9 months, the bank offers a interest of 7.75 per cent
5. For a tenor of 9 months to 1 year, the bank offers interest at the rate of 7.75 per cent

• Interest on long term FDs: It includes the tenure from 1 year to 20 years.

1. For a tenor of 1 year to 10 year the rate rises by 0.25 per cent. The rate offered at 8 per cent annum.
2. For a tenor of 2,3,4,5 and 20 years the interest rate remains same as 8 per cent
3. But a tax saver FD is provided at the rate of 8 per cent interest per annum for the funds which are locked in for 5 years.

• Interest rates for Senior Citizens: The Yes bank fixed Deposits offers an increased rate of .50 per cent to the senior citizens over the age of 60 years.

1. They can earn interest at the rate of 6 percent for funds submitted for 30 days.
2. They can earn at the rate of 8.50 per cent interest for the tenor from 3 years upto 5 years.
3. The benefit is only available to resident senior citizens who are 60 years or above in age.

Documents Required For Yes Bank Fixed Deposits

• Duly signed application form

• Id proof: Aadhar card/ Voter ID/ PAN card/ Driving license/ passport

• Address Proof: Rent agreement/telephone bill / electricity bill/ ration card

• PAN card

• Passport size photographs

Check out AU Finance Home Loan Interest Rate here

AU Housing Finance is one of the housing finance companies that helps in building your dream home or buying one. The housing finance company understands the needs and expectations of a home buyer and hence the AU finance home loan interest rate are affordable. You can get a housing loan for multi-purposes so that you can execute your plans. Here are the purposes for which you can get this loan:

AU Housing Finance Offers Home Loans under 3 different categories:

1. Home Loan

2. Home Improvement Loan

3. Home Renovation Loan

AU Housing Finance Home Loan Schemes

At AU Housing Finance, you can get a home loan under the following schemes:

• Regular Home Loans
• Affordable Housing
• Rural Housing

AU Housing Finance Home Loan Interest Rate

The home loan interest rate at AU Housing Finance is low that makes it affordable for the masses. The home loan EMI is directly dependant on the interest rate, a low rate results in low EMIs.

Documents required for salaried

1. Form 16 of last 2 years or Income Tax Returns.
2. Salary slips of last 3 months.
3. Last 6 months bank statement reflecting salary credits.
4. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card
5. Residence Proof – Passport/Utility bills/ Bank Statements.
6. Cheque of Processing Fee.

Documents required for self-employed

1. Proof of Business - Shop and Establishment Certificate/ Vat Registration Certificate/ Service Tax Certificate.
2. Last 3 years IT tax returns with profit and loss account and balance sheet duly audited by CA.
3. Existing Loans’ Sanction letters accompanied with repayment track.
4. Business profile on the letterhead of the company.
5. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card
6. Residence Proof – Passport/Utility bills/ Bank Statements.
7. Cheque of Processing Fee.

Documents required for Partnership Firm

1. Age proof of all the partners in the form of PAN Card, Passport or Aadhar Card.
2. PAN Card of the company.
3. Residence proof of all the partners – Utility Bills/ Passport/Bank statement/ Registered rent agreement.
4. Proof of Business-Shop and Establishment Certificate/Vat Registration Certificate/ Service Tax Certificate.
5. Latest 3 years Income Tax returns with profit and loss and balance sheet duly audited by CA.
6. Latest 12 months bank statement of the Company and of the Partners’ Savings Bank Account.
7. Existing Loans' Sanction letters accompanied with repayment track.
8. Business profile on the letterhead of the company.
9. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card
10. Residence Proof – Passport/Utility bills/ Bank Statements.
11. Cheque of Processing Fee.

Documents required for Private Limited Corporation

1. Application form duly filled with photographs of directors.
2. Age Proof of Directors - PAN Card, Aadhar Card, passport.
3. Residence Proof of Directors - Utility Bills/ Passport/Bank statement/ Registered rent agreement.
4. PAN Card of Company.
5. Education Qualification-A professional qualification certificate in case of Doctors/CA/Architects.
6. Proof of Business-Shop and Establishment Certificate/Vat Registration Certificate/ Service Tax Certificate.
7. MOA, AOA, List Of Directors, Share Holding Pattern of the Company.
8. Last 3 years IT returns with Profit and Loss account and balance sheet duly audited by CA.
9. Latest 12 months bank statement of Company of all current accounts and the same for Director’s Savings Bank Account.
10. Existing Loans’ sanction letter with repayment track of company and Individual Directors.
11. Business Profile on the Letter Head of the Company.
12. ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card
13. Residence Proof –Passport/ Utility bills/ Bank Statements.
14. Cheque of Processing Fee.

Documents required for Property

1. Occupancy Certificate.
2. Approved Plan of building.
3. Share certificate copy.
4. Past 13 years Chain of deeds.
5. Nil Encumbrance Certificate - EC (if applicable).
6. Current Sale agreement/ Draft Agreement to sell.

Processing Fees

The processing fee is applicable on home loans is a one-time payment that is done at the time of applying for a home loan. This amount is 2% + GST (on the sanctioned value) at AU Housing Finance and is to be collected before disbursement or deducted from first disbursement.

Contact Details of Au HOUSING FINANCE LTD.

You can also contact the main office of AU Housing Finance for their home loan related query like the rate of interest since it is subject to change from one applicant to another. The details of the office is as follows:

Reg. Office : 19-A, Dhuleshwar Garden, Ajmer Road, Jaipur – 302 001

Phone : +91 141 4110060

Fax : +91 141 4110090

Corp. Office : 201-202 Southend Square, Mansarover Industrial Area, Jaipur – 302 020

Phone : +91 141 661 8888