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Day: April 7, 2024

Vivo V30 4G With Snapdragon 685 Chip, 50-Megapixel Rear Camera Launched: Price, Specifications

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Vivo V30 Lite 4G has been launched by the company as the latest entrant in the company’s V series of smartphones. It arrives four months after the company unveiled the Vivo V30 Lite 5G in global markets. The new handset from Vivo features a Snapdragon 685 chipset and runs on Funtouch OS 14, which is based on Android 14. It also sports a 6.67-inch AMOLED screen that has a 120Hz refresh rate. The Vivo V30 Lite 4G packs a 5,000mAh battery that can be charged at 80W.

Vivo V30 Lite 4G price

Vivo V30 Lite 4G price is set at RUB 24,999 (roughly Rs. 22,510) in Russia. The phone is available via the company’s online store, in Crystalline Black and Serene Green (translated from Russian) colour options. It is equipped with 8GB of RAM and 128GB of inbuilt storage. There’s currently no word from the company on plans to launch the handset in other markets, including India.

Vivo V30 Lite 4G specifications, features

The dual-SIM (Nano) Vivo V30 Lite 4G runs on Android 14-based Funtouch OS 14 out-of-the-box. This smartphone sports a 6.67-inch full-HD+ (1,080×2,400 pixels) E4 AMOLED screen with a 120Hz refresh rate and Asahi’s DT-Star2 Plus protection. It is powered by Qualcomm’s Snapdragon 685 chip paired with 8GB of RAM.

For capturing images and recording videos, the Vivo V30 Lite 4G is equipped with a 50-megapixel rear camera with electronic image stabilisation (EIS) and an unspecified 2-megapixel camera. It is also equipped with an 8-megapixel front-facing camera for selfies and video chats.

The company’s website states that the Vivo V30 Lite 4G is equipped with 256GB of inbuilt storage, but the online store currently lists only one 8GB+128GB RAM and storage configuration. Connectivity options include 4G LTE, Wi-Fi, Bluetooth 5.0, GPS, and a USB Type-C port.

The Vivo V30 Lite 4G also has an in-display fingerprint sensor for biometric authentication. The handset packs a 5,000mAh battery with 80W wired charging support. It also has an IP54 rating for dust and water resistance and measures 163.17×75.81×7.95mm.

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Elon Musk Denies Report Tesla Is Scrapping Less-Expensive Electric Car



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Vistara airline CEO Vinod Kannan says that 98 percent pilots have Signed new contract we will resolve all the issues

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Vistara Airline: संकट में फंसी विस्तारा एयरलाइन (Vistara Airline) के सीईओ विनोद कन्नन (Vinod Kannan) ने दावा किया है कि कंपनी के लगभग 98 फीसदी पायलट नए कॉन्ट्रैक्ट पर साइन कर चुके हैं. उन्होंने कहा कि हम लगातार प्रयास में जुटे हुए हैं और जल्द सारी समस्याएं दूर कर देंगे. विनोद कन्नन ने कहा कि हम लगातार पायलटों से बात कर रहे है. कुछ पायलटों ने कॉन्ट्रैक्ट की कुछ शर्तों को लेकर शिकायत की थी. हम इन चिंताओं को भी जल्द दूर कर देंगे.

विनोद कन्नन ने कहा- हम कर रहे नई हायरिंग 

टाटा के नेतृत्व वाली एयरलाइन विस्तारा के सीईओ विनोद कन्नन ने कहा कि हमारे साथ जो भी समस्याएं हुईं, उनके पीछे कई कारण हैं. हमारे पास एयरलाइन का सही से परिचालन करने के लिए पर्याप्त स्टाफ है. साथ ही हम नए पायलटों की हायरिंग में भी जुटे हुए हैं. हम अपने स्टाफ के रोस्टर को भी सुधार रहे हैं. पैसेंजर्स की समस्याओं को देखते हुए हमने फिलहाल फ्लाइट्स की संख्या भी घटा दी है. साथ ही बी787-9 ड्रीमलाइनर और ए321 निओ जैसे बड़े एयरक्राफ्ट भी घरेलू रूट्स पर चलाने का फैसला लिया गया है. इससे कई सारे पैसेंजर्स की एक साथ सेवा की जा सकेगी.

एक साथ सिक लीव पर चले गए थे पायलट 

पिछले कुछ दिनों में विस्तारा एयरलाइन की कई फ्लाइट कैंसिल हुई थीं. साथ ही कई फ्लाइट बहुत लेट भी उड़ रही थीं. इसका कारण क्रू की कमी बताया गया था. कई सारे पायलट एक साथ सिक लीव पर चले गए थे. वह नए सैलरी सिस्टम को लेकर खफा थे. यह सैलरी सिस्टम एयर इंडिया (Air India) के साथ प्रस्तावित मर्जर के चलते लाया जा रहा था. नए सिस्टम में पायलट को 70 घंटे की बजाय 40 घंटे फ्लाई टाइम की कंफर्म पेमेंट की जा रही थी. साथ ही उन्हें 15 दिन अनिवार्य रूप से काम पर बुलाया जा रहा था. 

पायलटों की ट्रेनिंग को लेकर मिला नोटिस

डायरेक्टरेट जनरल ऑफ सिविल एविएशन (DGCA) ने पायलटों की ट्रेनिंग को लेकर विस्तारा एयरलाइन को नोटिस दिया है. दरअसल, पायलटों की ट्रेनिंग की प्रक्रिया में जीरो फ्लाइट टाइम ट्रेनिंग (ZFTT) की एक बारी आती है. इसमें पायलटों को अलग तरीके के विमान को उड़ाने की ट्रेनिंग दी जाती है. इसमें पायलटों को ट्रेनिंग के कई चरणों से गुजरना पड़ता है. डीजीसीए ने प्रक्रिया के इसी हिस्से को लेकर सवाल उठाया है. इससे विस्तारा के करीब 30 पायलट प्रभावित हुए हैं. 

3 दिन में 150 से ज्यादा उड़ानें हुई थीं रद्द

विस्तारा के कई पायलट मास लीव पर चले गए हैं, जबकि कई के इस्तीफा देने की खबरें भी आ रही हैं. इसके चलते विस्तारा के सामने उड़ानों का परिचालन करने में दिक्कतें खड़ी हो रही हैं. इस हफ्ते के शुरुआती 3 दिनों में विस्तारा को 150 से ज्यादा उड़ानों को रद्द करना पड़ गया था.

ये भी पढ़ें 

Ambani Family: मुकेश अंबानी परिवार सहित पहुंचे सिद्धिविनायक मंदिर, गणपति बप्पा का लिया आशीर्वाद   

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Tax implications for joint property owners

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My wife and I are joint holders of two properties (one being self-occupied and the other let out for rent). Can the entire rental income from our jointly owned properties be declared as my income for tax filing purposes, or is it obligatory to split it between us? Considering my wife’s sole income source is dividends from investments, and she has no other earnings, is she eligible to submit Form 15G if her total income remains below ₹3 lakh under the new tax regime?

—Jaikumar

If the properties are purchased by you, then the rental income from the property should be reported as your income, even if the property is held as joint holders. But if your spouse has contributed to the purchase of the property from her own funds, then the proportionate income should also be declared in the income tax return of the spouse.

For Form 15G, the following conditions apply:

The applicant must be a resident individual and below the age of 60 years; the tax calculated on total income should be zero; and income should fall below the maximum limit not subject to taxation.

Provided your wife satisfies the other conditions, Form 15G can be submitted if the total income does not exceed ₹3 lakh under the new tax regime.

Is it necessary for an individual who transfers a substantial amount of money to their spouse’s account to disclose this transaction in their income tax return (ITR) or maintain records of it? Additionally, is the spouse who receives the money required to report it in their ITR, especially if they do not file one due to having income below the exemption limit?

—Name withheld on request

Gifts given to relatives, including spouses, are exempt from taxation. Currently, there are no provisions in the income tax return to declare such gifts. In the case of a spouse receiving a gift, there’s no provision in ITR 1 for the declaration of such gifts.

However, gifts may be declared as exempt income in ITR 2. Additionally, if the deposit in their savings account exceeds ₹50 lakh, the spouse would be required to file an income tax return even if their income is below the exemption limit. It’s important to note that income generated from any investment made by a taxpayer for their spouse needs to be clubbed with the income of the taxpayer when such income accrues to the spouse.

For instance, if the money given to the spouse is invested in a fixed deposit, the interest arising on such a fixed deposit should be clubbed with the income of the taxpayer. This income should be declared by the taxpayer in the income tax return applicable to them.

Neeraj Agarwala is partner, Nangia Andersen India.

If you have a personal finance query, write to us at mintmoney@livemint.com to get it answered by experts.

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Published: 07 Apr 2024, 06:47 PM IST

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IPL 2024 Live Streaming on JioCinema: How to Watch IPL Match for Free on Mobile and Smart TV

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The 16th edition of the Indian Premier League is here! The 2024 edition of the IPL will see a fierce battle between 10 teams to come one step closer to winning this year’s tournament. Each team will play two matches against other teams in a round-robin format, with the top four teams qualifying for the playoffs. Today, we have two different matches. The first match will be between the Mumbai Indians and Delhi Capitals. The day’s second match will be Lucknow Super Giants vs Gujarat Titians. That said, if you want to know whether you can watch the IPL 2024 matches for free on mobile or TV, you have come to the right place. In this article, we have listed all the information you need to know about the IPL 2024 live streaming for free, along with other details like the best-prepaid plans to watch IPL 2024 matches, the IPL schedule, and more. So, without further ado, let’s get started.

IPL 2024: Today’s Match Details

The 20th IPL match will be played between Mumbai Indians and Delhi Capitals. The match will start at 3:30 PM onwards at Wankhede Stadium, Mumbai. The Mumbai Indians will be headed by Hardik Pandya, while the Delhi Capitals’ captain is none other than Rishabh Pant. 

 

We have yet another interesting match today. The 21st IPL match will be played between Lucknow Super Giants and Gujarat Titans at 7:30 PM at Ekana Sports City, Lucknow. KL Rahul will head LSG, while Shubham Gill will be GT Captain.

IPL 2024 Points Table

Check out the current points table of IPL 2024:

Position Team Match Played Won Loss NR NRR PTS
1 KKR 3 3 0 0 2.518 6
2 RR 3 3 0 0 1.249 6
3 CSK 3 2 1 0 0.976 4
4 LSG 3 2 1 0 0.483 4
5 PBKS 4 2 2 0 -0.22 4
6 GT 4 2 2 0 -0.58 4
7 SRH 3 1 2 0 0.204 2
8 RCB 4 1 3 0 -0.876 2
9 DC 4 1 3 0 -1.347 2
10 MI 3 0 3 0 -1.423 0

How to Watch IPL 2024 Live Stream on Mobile and TV for Free in India?

BCCI has sold its broadcasting and live-streaming rights to two different platforms. IPL 2024 will be live-streamed on JioCinema, as Viacom 18 has acquired the digital rights for the Indian subcontinent for about Rs 23,758 crore. On the other hand, the broadcast of the IPL 2024 will take place on Star Sports, as the company bought the television rights for almost Rs 23,575 crore.

JioCinema will be livestreaming all the IPL matches for free on its platform. This means users can watch it for free on mobile and Smart TV. The app is available to download on Android, iOS, Android TV, desktop, Fire TV Stick, Apple TV+, and Fire TVs. Interestingly, one can watch IPL match live streaming in 12 different languages on JioCinema, including English, Hindi, Marathi, Gujarati, Bhojpuri, Punjabi, Bengali, Tamil, Telugu, Malayalam, Kannada, and Haryanvi.

How to Download JioCinema App on Android and iOS

One can easily watch IPL 2024 matches on the platform. All you need to do is download the application. Here’s how:

  1. Open the Google Play Store or Apple App Store on your mobile.
  2. Search for the JioCinema application.
  3. Now, click on Download and install the application on an Android or iOS device.
  4. To watch the live stream, you only need to tap on the match’s IPL banner and watch it for free.

Best Recharge Plans to Watch IPL 2024 Live Streaming in India

Here are some of the best prepaid plans from Airtel, Reliance Jio, and Vodafone Idea that provide maximum data per day so that you can easily watch IPL without much hassle.

Airtel

  • Rs 399: The plan offers 3GB of data per day, unlimited voice calls, 100 SMS/day, 28 days of validity, free 28 days of Xstream Play subscription, and unlimited 5G data.
  • Rs 499: The pack provides 3GB of data per day, unlimited voice calls, 100 SMS/day, 28 days of validity, Disney+ Hotstar 3-month subscription, free 28 days of Xstream Play subscription, and unlimited 5G data.
  • Rs 699: The pack provides 3GB of data per day, unlimited voice calls, 100 SMS/day, 56 days of validity, an Amazon Prime subscription, free 28 days of Xstream Play subscription, and unlimited 5G data.
  • Rs 1,499: The pack provides 3GB of data per day, unlimited voice calls, 100 SMS/day, 84 days of validity, an Amazon Prime subscription, free 28 days of Xstream Play subscription, and unlimited 5G data.

Reliance Jio

  • Rs 219: 14 days of validity, 3GB/day along with 2GB of additional data, unlimited voice calls, unlimited 5G data, 100 SMS/day, Jio app suite subscription
  • Rs 399: 28 days of validity, 3GB/day along with 6GB of additional data, unlimited voice calls, unlimited 5G data, 100 SMS/day, Jio app suite subscription
  • Rs 749: 90 days of validity, 2GB/day along with 20GB of additional data, unlimited voice calls, unlimited 5G data, 100 SMS/day, Jio app suite subscription
  • Rs 999: 84 days of validity, 3GB/day data, unlimited voice calls, unlimited 5G data, 100 SMS/day, Jio app suite subscription
  • Rs 1,499: 84 days of validity, 3GB/day along with 2GB of additional data, unlimited voice calls, unlimited 5G data, 100 SMS/day, Netflix Basic subscription, Jio app suite subscription

Vodafone Idea

  • Rs 359: The prepaid plan offers 3GB/day data, unlimited voice calls, 100 SMS/day, and 28 days validity.
  • Rs 499: The Vodafone Idea recharge pack offers 3GB/day data, unlimited voice calls, 100 SMS/day, three months of Disney+ Hotstar subscription, and 28 days validity.
  • Rs 601: The plan provides 3GB/day data alongside 16GB additional data, unlimited voice calls, 100 SMS/day, one year of Disney+ Hotstar subscription, and 28 days validity.
  • Rs 699: The pack comes with 3GB/day data, unlimited voice calls, 100 SMS/day, one year of Disney+ Hotstar subscription, and 56 days validity.
  • Rs 901: The plan offers 70 days of validity, one year of Disney+ Hotstar subscription, 3GB of data per day, along with 48GB extra data benefit, unlimited voice calls, and 100 SMS/day.

How to Watch IPL 2024 Live Streaming on Mobile in Other Countries

IPL 2024 will be live-streamed across the world on different platforms. We have compiled a list of platforms where you can watch IPL 2024 matches. Check it out here:

Country Live Streaming Platform
India Jio Cinema
Afghanistan Ariana Television Network
Nepal Yupp TV
Pakistan Yupp TV
Bangladesh Gazi TV
Sri Lanka Yupp TV
Maldives Star Sports, Yupp TV
Australia Fox Sports
United Kingdom Sky Sports Cricket, Sky Sports Main Event
United States Willow TV
Middle East Times Internet
New Zealand Sky Sport
Singapore StarHub
Caribbean Flow Sports (Flow Sports 2)
Canada Willow TV
South Africa SuperSport

Where to Watch IPL 2024 Live Telecast on TV?

As mentioned earlier, Star Sports Network has the broadcasting rights for IPL 2024 matches. This means users can watch the live telecast of the matches on Star Sports channels. Here’s a list of channels that will showcase the IPL matches.

  1. Star Sports 1
  2. Star Sports 2
  3. Star Sports 3
  4. Star Sports 1 Hindi
  5. Star Sports 1 HD
  6. Star Sports 2 HD
  7. Star Sports 1 HD Hindi
  8. Star Sports 1 Tamil
  9. Star Sports 1 Kannada
  10. Star Sports 1 Telugu

IPL 2024 Full Schedule

Here’s the full schedule of IPL 2024, along with the date, time, and venue.

Match no Teams Date Time Venue
1 CSK vs RCB March 22 8:00 PM MA Chidambaram Stadium, Chennai
2 PBKS vs DC March 23 3:30 PM Maharaja Yadavindra Singh International Cricket Stadium, Punjab
3 KKR vs SRH March 23 7:30 PM Eden Gardens, Kolkata
4 RR vs LSG March 24 3:30 PM Sawai Mansingh Indoor Stadium, Jaipur
5 GT vs MI March 24 7:30 PM Narendra Modi Stadium, Ahmedabad
6 RCB vs PBKS March 25 7:30 PM M Chinnaswamy Stadium, Bengaluru
7 CSK vs GT March 26 7:30 PM MA Chidambaram Stadium, Chennai
8 SRH vs MI March 27 7:30 PM Rajiv Gandhi International Stadium, Hyderabad
9 RR vs DC March 28 7:30 PM Sawai Mansingh Indoor Stadium, Jaipur
10 RCB vs KKR March 29 7:30 PM M Chinnaswamy Stadium, Bengaluru
11 LSG vs PBKS March 30 7:30 PM Ekana Sports City, Lucknow
12 GT vs SRH March 31 3:30 PM Narendra Modi Stadium, Ahmedabad
13 DC vs CSK March 31 7:30 PM ACA-VDCA Cricket Stadium, Vishakhapatnam
14 MI vs RR April 1 7:30 PM Wankhede Stadium, Mumbai
15 RCB vs LSG April 2 7:30 PM M Chinnaswamy Stadium, Bengaluru
16 DC vs KKR April 3 7:30 PM ACA-VDCA Cricket Stadium, Vishakhapatnam
17 GT vs PBKS April 4 7:30 PM Narendra Modi Stadium, Mumbai
18 SRH vs CSK April 5 7:30 PM Rajiv Gandhi International Stadium, Hyderabad
19 RR vs RCB April 6 7:30 PM Sawai Mansingh Indoor Stadium, Jaipur
20 MI vs DC April 7 3:30 PM Wankhede Stadium, Mumbai
21 LSG vs GT April 7 7:30 PM Ekana Sports City, Lucknow

Frequently Asked Questions (FAQs)

Where will the IPL 2024 be played?

The IPL 2024 will be played in India in 12 different stadiums. The list includes MA Chidambaram Stadium (Chennai), Narendra Modi Stadium (Ahmedabad), Wankhede Stadium (Mumbai), M Chinnaswamy Stadium (Bengaluru), Rajiv Gandhi International Stadium (Hyderabad), Arun Jaitley Stadium (Delhi), Eden Gardens (Kolkata), Bharat Ratna Shri Atal Bihari Vajpayee Ekana Cricket Stadium (Lucknow), Maharaja Yadavindra Singh Cricket Stadium (Punjab), HPCA Stadium (Dharamsala), Sawai Mansingh Stadium (Rajasthan), and Dr YS Rajasekhara Reddy ACA-VDCA Cricket Stadium (Visakhapatnam).

What time do IPL 2024 matches start?

The opening IPL 2024 match will start at 8:00 PM. However, the rest of the matches will begin at 7:30 PM. There will be two matches during the weekend so that the timing will be 3:30 PM and 7:30 PM.

How can I watch IPL for free?

You can watch all the IPL matches for free on JioCinema application. The app is available for download on multiple platforms, including Android, iOS, Android TV, and more.

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Maruti Suzuki targets 3 lakh exports in FY25, eyes 8 lakh milestone by 2030

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By: HT Auto Desk
| Updated on: 07 Apr 2024, 12:42 PM

  • Maruti Suzuki aims to ramp up its exports business with continuous focus on new models launches in the overseas markets.
Maruti Brezza Grand Vitara Jimny Fronx
Maruti Suzuki aims to ramp up its exports business with continuous focus on new models launches in the overseas markets.

Maruti Suzuki India is aiming to ramp up its export numbers significantly in this financial year, reported PTI. The car manufacturer that holds the lion’s share in the Indian passenger vehicle market reportedly targets to export three lakh units of made-in-India vehicles to overseas markets. The automaker is also reportedly aiming to ramp up the number to eight lakh units by the end of this decade.

Maruti Suzuki India’s Executive Director of Corporate Affairs Rahul Bharti reportedly told the news agency that the car manufacturer plans to launch more passenger vehicle models in its various export markets that span over 100 countries around the world. Besides this, Maruti Suzuki is also aiming to enhance its distribution network and its more than 40 years of experience in the Indian market will be influential in that strategy.

Watch: Maruti Suzuki Jimny SUV: First Drive Review

Bharti reportedly said that till about three years ago, Maruti Suzuki’s exports were in the range of one to 1.2 lakh units per annum. The OEM decided to scale up drastically as part of its national vision and as a business ambition. “We decided to scale up drastically and from those levels and in 2022-23 we reached about 2.59 lakh units exports and in 2023-24 we completed 2.83 lahks,” he reportedly said, further adding, “The interesting part of this is that it bucked the trend of the industry. While the rest of the car industry exports actually shrunk by 3 per cent, Maruti Suzuki was able to grow by about 9.3 per cent to 2.83 lakh units a year. With this 42 per cent of all cars exported from India are from Maruti Suzuki.”

Strategy in sync with Indian government’s vision

Bharti said that the auto company’s export strategy is in line with the Indian government’s vision to step up the country’s exports in an attempt for India to capture a larger share of the global trade to meet the ambitions of ‘Viksit Bharat’. “We are not only doing this with existing models. Even for the EV, the start of production of which will be in FY25, we would start export, and export it to advanced markets like Japan and Europe,” he noted.

On the road ahead for exports, Bharti reportedly said that the OEM hopes to keep improving the numbers steadily. By 2030 we have a target of 7.5 lakh to 8 lakh units total exports,” he added. When asked if the company can cross the 3 lakh units mark in exports in FY25, Bharti said, “Yes certainly. It is possible barring any major surprises.”

Sharing the company’s strategy for increasing exports, Bharti said, “We don’t have all the models in all the 100 markets now. Therefore, the way to enhance exports is more model launches in more countries of the world and at the same time more distribution network.”

Maruti Suzuki registered record exports in FY24

Maruti Suzuki posted record export numbers in FY24 with 283,067 units, up from the previous best of 259,333 units posted in FY23. In comparison, Maruti Suzuki’s exports in FY22 were 238,376 units.

Prior to that, in FY21 the automaker’s overseas shipments were at 96,139 units, while in FY20 it was at 102,171 units and in FY19 it stood at 108,749 units. In the just concluded FY24, Maruti Suzuki’s top ten export markets were South Africa, Saudi Arabia, Chile Mexico, the Philippines, Indonesia and Ivory Coast. Also, the carmaker’s top export models were Baleno, Dzire, Swift, S Presso, Grand Vitara, Jimny, Celerio and Ertiga.

First Published Date: 07 Apr 2024, 12:42 PM IST

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4 new mutual fund offers are going to open this week for subscription 3 from tata and 1 from bandhan

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New Fund Offer: इस हफ्ते म्युचुअल फंड (Mutual Fund) मार्केट में बड़ी उथलपुथल होने वाली है. मार्केट में 4 नए फंड ऑफर (NFO) आने वाले हैं. इनमें से 3 टाटा म्युचुअल फंड (Tata Mutual Fund) के ऑफर होंगे, जो कि 8 अप्रैल को खुलने वाले हैं. इसके अलावा एक एनएफओ बंधन म्युचुअल फंड (Bandhan Mutual Fund) की तरफ से आएगा. इसका सब्सक्रिप्शन 10 अप्रैल को खुलने वाला है. आइए एक नजर इन सभी एनएफओ पर डाल लेते हैं.

टाटा निफ्टी ऑटो इंडेक्स फंड 

टाटा निफ्टी ऑटो इंडेक्स फंड (Tata Nifty Auto Index Fund) एक ओपन एंडेड स्कीम है. इसकी ट्रैकिंग निफ्टी ऑटो इंडेक्स (TRI) से होगी. इस एनएफओ को 8 अप्रैल से 22 अप्रैल तक सब्सक्राइब किया जा सकेगा. इसमें आपको न्यूनतम 5000 रुपये से निवेश करना होगा.

टाटा निफ्टी रियल्टी इंडेक्स फंड 

टाटा निफ्टी रियल्टी इंडेक्स फंड (Tata Nifty Realty Index Fund) एक ओपन एंडेड स्कीम है. इसकी ट्रैकिंग निफ्टी रियल्टी इंडेक्स (TRI) से की जाएगी. यह न्यू फंड ऑफर 8 अप्रैल से 22 अप्रैल तक सब्सक्रिप्शन के लिए खुला रहेगा. यह एनएफओ उन निवेशकों के लिए एक बेहतर ऑप्शन है, जो कि लंबी अवधि के लिए निवेश करना चाहते हैं. साथ ही यह उनके लिए भी अच्छा विकल्प है, जो इक्विटी और इक्विटी से जुड़े विकल्पों में निवेश करना चाहते हैं. 

टाटा निफ्टी फाइनेंशियल सर्विसेज फंड 

टाटा निफ्टी फाइनेंशियल सर्विसेज फंड (Tata Nifty Financial Services Fund) 8 अप्रैल से 22 अप्रैल तक सब्सक्रिप्शन के लिए खुला रहेगा. यह भी एक ओपन एंडेड स्कीम है. इसकी ट्रैकिंग निफ्टी फाइनेंशियल सर्विसेज इंडेक्स से की जाएगी. 

बंधन इनोवेशन फंड 

बंधन इनोवेशन फंड (Bandhan Innovation Fund) एक ओपन एंडेड इक्विटी स्कीम है, जो कि इनोवेशन थीम पर आधारित है. इसका सब्सक्रिप्शन 10 अप्रैल को खुलेगा और आप इस पर 24 अप्रैल तक पैसा लगा सकते हैं. यह एनएफओ निफ्टी 500 पर आधारित रहेगा. इसमें आपको न्यूनतम 1000 रुपये का निवेश करना होगा.

ये भी पढ़ें 

Nilesh Shah: नीलेश शाह को यकीन- भगवान हैं और भारतीय हैं, तभी बन पाया है ऐसा संयोग!

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Weathering market storms: 7 proven strategies for investment success

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Investment is one such goal that makes the journey of life interesting.

Investment is an asset acquired with the goal of generating income or appreciation. Appreciation increases in value over a period of time. Investment is made to create future wealth.

When a child is born, learning is gradual. Recognition with senses, reciprocation with gestures, and engagement with action. From the crib to a two legged walk, each stage is learnt before perfecting it for independence.

Financial wisdom and associated freedom are similar. One is disciplined in one’s pursuit of learning for the first 15 years of education. It makes one ready to be financially independent in the real world. After the initial enthusiasm of owning real, hard earned money comes the responsibility of safeguarding it for future goals and requirements.

Starting one’s investment journey early can be a key but it need not necessarily guarantee any financial success. Whenever one is willing and ready to start, it is a good time. Having basic understanding of one’s income, expenses, liabilities, savings, financial and retirement goals and how one is doing against the budget or plan set out for each of these items is a good place to be in. It requires discipline, consistency and ongoing calibration.

Depending upon surplus income, time horizon, liquidity requirement, risk & reward appetite, one can choose to be in either traditional investment options (like bank accounts, deposits, bonds, etc) or in mature products (like mutual funds, stocks, ULIPs, PMS, REITs, etc) or any combination from the above. Most investment options have inherent risks that one signs up to while buying that product. 

Example: Bank deposits are subject to interest rate and reinvestment risks. Bonds are subject to both and default risk, stocks and mutual funds are subject to market, liquidity and unsystematic risks. Over and above, investments are subject to systematic risks which need to be managed through portfolio diversification and other strategies. 

The more time one spends in understanding the life cycle and behaviour of one’s investments over a period of time, the more equipped one is with effective planning towards weathering a potential or a real storm, as and when.

Some smart and proactive risk management workarounds for one’s portfolio are:

Diversification – Spread investment portfolio among a variety of investments (subpar returns or losses in some may be offset by others with average returns or gains). 

Asset allocation – Distribute portfolio across major categories of investments such as stocks, bonds, cash, gold, REITs. 

Low cost investments – Invest where cost of investment is low such as Index Funds, ETFs. 

Investment strategy – Active vs passive investing, value vs growth investing, income vs gains oriented investing. 

Simplify investment – Invest in what you understand (risk tolerance), learn about what you want to invest in but do not understand (without undue worry). 

Quality over quantity – Select good quality, long term options (large caps – less volatile, low risk, relatively moderate returns) having sound financial indicators (P/E and PEG ratios, etc). 

Strategic investment approach over tactical one – Be disciplined in your investment style. Avoid panic or getting rattled by temporary market fluctuations.

Be confident of your well thought, well constructed financial portfolio basis above tenets.

When information is abundantly available, choosing the right investment product(s) can be taxing and intimidating. Collaborate with an investment adviser, to achieve your desired financial objectives in a well-planned, well diversified and systematic way throughout your investment journey.

“The big money is not in the buying or selling, but in the waiting”- When it comes to investing, patience is perseverance. It’s easy to get carried away by sudden market movements and trends, but big wins are almost always for the ones who had patience and stuck to their strategy – By Charlie Munger

Priti Goel is the Founder, CEO and MD of Prisha Wealth Management Private Limited. 

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Published: 07 Apr 2024, 12:42 PM IST

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Redmi Turbo 3 Design Spotted in Leaked Hands-On Image and Renders

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Redmi Turbo 3 is confirmed to launch in China in the near future, and the company’s first smartphone in the ‘Turbo’ lineup has now been spotted in leaked images. Tipster Fixed Focus Digital (translated from Chinese) shared a hands-on image of the purported Redmi Turbo 3 as well as two renders showing the rear panel of the upcoming smartphone. The company is yet to reveal the smartphone’s specifications, but the leaked pictures suggest that it will sport a triple rear camera setup.

The first image shared by the tipster on Weibo shows the handset being held in a way that shows the rear panel with two cameras located on the left, and a third camera in the middle. The right side of the panel appears to house a circular LED flash and Redmi branding in small letters.

redmi turbo 3 fixed focus digital redmi turbo 3

The leaked image and renders of the Redmi Turbo 3
Photo Credit: Weibo/ Fixed Focus Digital

 

According to GSMArena, the rear camera 200-megapixel camera setup will be led by a 200-megapixel primary camera, with optical image stabilisation (OIS). The phone will also reportedly sport an unspecified secondary camera as well as a macro camera that is located in the middle.

Meanwhile, the tipster shared two renders of the purported Redmi Turbo 3 in white and black colourways, showing the same design as the phone seen in the hands-on image. The leaked renders also indicate that the phone’s rear panel curves into the right and left side of the phone. Both the volume and power buttons are seen on the left side of the phone — when looking at the rear panel.

A few days ago, a company executive confirmed the Chinese smartphone maker’s plans to launch a new smartphone called the Redmi Turbo 3. Expected to arrive as the successor to the Redmi Note 12 Turbo in China as part of a new smartphone series, the Redmi Turbo 3 is codenamed “Little Tornado” (translated from Chinese).

Redmi General Manager Thomas Wang has confirmed the upcoming Redmi smartphone will be powered by Qualcomm’s new Snapdragon 8s Gen 3 SoC. Previous reports also suggested the phone would feature the same chipset, along with a 6.78-inch OLED screen with a 144Hz refresh rate, a 6,000mAh battery with 80W fast charging support. This phone could eventually make its debut outside China as the Poco F6 — more details about both handsets are likely to surface in the coming weeks.

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Air India Passenger got broken window seat despite paying 1000 rupees extra airline apologies

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Air India Passenger: एअर इंडिया की मुसीबतें कम होने का नाम ही नहीं ले रही हैं. टाटा के नेतृत्व में आने के बाद भी कर्मचारियों की शिकायतें जारी हैं. हाल ही में एअर इंडिया (Air India) पर ड्यूटी नियमों के उल्लंघन के चलते जुर्माना भी लगाया गया था. दूसरी तरफ एअर इंडिया में सफर करने वाले अलग-अलग परेशानियों को झेल रहे हैं. कुछ ऐसा ही वाकया एक पैसेंजर के साथ हुआ. उसने सीट बुक करते समय एक्स्ट्रा 1000 रुपये विंडो सीट के लिए चुकाए लेकिन, जब वह प्लेन में पहुंचा तो उसे टूटी सीट मिली, जो लाख कोशिशों के बाद भी ठीक नहीं की जा सकी. 

नहीं ठीक की जा सकी उनकी टूटी सीट 

इस यात्री की अपना कष्ट सोशल मीडिया प्लेटफॉर्म एक्स पर शनिवार को बयान किया. उसने लिखा कि मैंने दिल्ली से बेंगलुरु के लिए एअर इंडिया की फ्लाइट गुरुवार को बुक की थी. विंडो सीट लेने के लिए 1000 रुपये का अलग से भुगतान भी किया. मगर, जब मैं अपनी सीट पर पहुंचा तो वह टूटी हुई थी. एअर इंडिया ने इंजीनियर को भी बुलाया लेकिन, वह उसे ठीक करने में असफल हो गया. अगर वह सीट खराब थी तो एअर इंडिया ने उसे बुक ही क्यों किया. क्या इस एयरलाइन के लोग यात्रियों को ठीक सीट तक उपलब्ध नहीं करा सकते हैं? क्या मैंने इस टूटी सीट के टिकट का पैसा दिया था?

एअर इंडिया ने मांगी माफी 

यह घटना सोशल मीडिया पर आने के बाद एअर इंडिया ने भी ट्वीट करके असुविधा के लिए माफी मांगी. साथ ही कहा कि आप हमें अपनी बुकिंग डिटेल उपलब्ध करा दें ताकि हम आपकी मदद कर सकें. हालांकि, एअर इंडिया के यात्री के साथ ऐसी घटना पहली बार नहीं हुई है. इससे पहले दिल्ली से टोरंटो जा रही एक महिला यात्री श्रीति गर्ग ने भी ऐसी ही शिकायत की थी. उन्होंने इंस्टाग्राम पोस्ट पर लिखा था कि तीन सीटों पर लाइट की तक व्यवस्था नहीं थी. इसके चलते उन्हें अंधेरे में अपनी यात्रा करनी पड़ी थी. वह अपने 2.5 साल और 7 महीने के बच्चे के साथ ट्रेवल कर रही थीं. उन्होंने 4.5 लाख रुपये के टिकट खरीदे थे.

ये भी पढ़ें 

Wipro CEO Resigns: विप्रो सीईओ थियरी डेलपोर्ट ने दिया इस्तीफा, श्रीनिवास पलिया लेंगे उनकी जगह  



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Rising fixed deposit interest rates: Is now the time to secure your savings?

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However, in March 2024, some banks increased their fixed deposit rates. In the case of most banks, the current fixed deposit interest rates being offered are at a decadal high. So, are these the best interest rates on fixed deposits? And should you lock into these high fixed deposit rates? Let us discuss.

Also Read: Fixed deposit news: Bank of India revises FD rates. How they compare with SBI, ICICI, HDFC Bank

Interest rates of fixed deposits

Let us compare the current fixed deposit interest rates that are being offered by some private, public, and small finance banks (SFBs).

Big private sector banks: Fixed deposit interest rates

Let us look at the interest rates being offered on various FD tenures by some big private sector banks.

Bank name FD interest rate – General citizens FD interest rate – Senior citizens FD tenure
IndusInd Bank 7.75% 8.25% 1 year 7 months to 2 years
Kotak Bank 7.40% 7.90% 391 days to less than 23 months
HDFC Bank 7.25% 7.75% 18 months to less than 21 months
Axis Bank 7.20% 7.85% 17 months to less than 18 months
ICICI Bank 7.20% 7.75% 18 months to 2 years

(Source: Websites of respective banks, as of 1st April 2024)

The above table shows that among big private banks, IndusInd Bank is offering one of the best FD interest rates of 7.75% p.a. for a tenure of 1 year 7 months to 2 years.

Also Read: These banks offer higher FD interest rate above 7 percent. Details here

Public sector banks: Fixed deposit interest rates

Let us look at the interest rates being offered on various FD tenures by some big public sector banks.

Bank name FD interest rate – General citizens FD interest rate – Senior citizens FD tenure
Bank of Baroda 7.25% 7.75% Above 2 years and up to 3 years
Bank of India 7.25% 7.75% 2 years
Canara Bank 7.25% 7.75% 444 days
Punjab National Bank 7.25% 7.75% 400 days
SBI 7.00% 7.50% 2 years to less than 3 years

(Source: Websites of respective banks, as of 1st April 2024)

The above table shows that among big public sector banks, 4 banks are paying the same interest rate of 7.25% p.a. However, the Bank of Baroda is offering the 7.25% p.a. rate for the highest tenure of above 2 years and up to 3 years.

If we compare the FD interest rates of big private banks and PSU banks, some private banks like IndusInd Bank and Kotak Bank are offering better interest rates.

Also Read: Ujjivan SFB raises fixed deposit rates, offers up to 9% interest for senior citizens. Check latest FD rates here

Small private sector banks: Fixed deposit interest rates

Let us look at the interest rates being offered on various FD tenures by some small private sector banks.

Bank name FD interest rate – General citizens FD interest rate – Senior citizens FD tenure
RBL Bank 8.10% 8.60% 546 days to 24 months
IDFC FIRST Bank 8.00% 8.50% 500 days
DCB Bank 8.00% 8.60% 25 months to 26 months
Bandhan Bank 7.85% 8.35% 500 days
Yes Bank 7.75% 8.25% 18 months to less than 24 months

(Source: Websites of respective banks, as of 1st April 2024)

The above table shows that among small private banks, RBL is offering a higher interest rate of 8.10% p.a. for a tenure of 546 days to 24 months.

Let us compare the FD rates of small private banks with those of big private banks and PSU banks. Here also, most small private banks are offering higher FD interest rates.

Also Read: Best FD rate? This bank is offering 9.25% on fixed deposits for senior citizens

Small finance banks: Fixed deposit interest rates

Let us look at the interest rates being offered on various FD tenures by some small finance sector banks.

Bank name FD interest rate – General citizens FD interest rate – Senior citizens FD tenure
Unity SFB 9.00% 9.50% 1001 days
Shivalik SFB 8.90% 9.40% 12 months to 18 months
Suryoday SFB 8.65% 9.10% 2 years and 2 days
Ujjivan SFB 8.50% 9.00% 15 months
Jana SFB 8.50% 9.00% 365 days

(Source: Websites of respective banks, as of 1st April 2024)

The above table shows that most small finance banks are paying an interest rate of 8.5% p.a. and above on FDs of various tenures. Unity SFB is paying a higher interest rate of 9.00% p.a. for a higher tenure of 1,001 days.

When we compare the SFB FD interest rates, they are better than those of PSUs, small and big private banks.

DICGC insurance cover for bank deposits

Some people are not comfortable investing in FDs of small finance banks as they consider them risky. Please note that all deposits of every customer with every bank are insured for Rs. 5 lakhs. The Deposit Insurance and Credit Guarantee Corporation (DICGC), a 100% subsidiary of the RBI, provides insurance coverage against a bank failing or going into liquidation. The customer doesn’t need to pay the insurance premium as the bank pays it. SFB deposits are also covered under the DICGC insurance cover.

Also Read: Fixed Deposit (FD): 3 Tips To Help Maximise Returns

Should you lock into current FD rates?

In April, at the start of the financial year, many investors review their investment portfolio for rebalancing. When reviewing your fixed income allocation, you may invest some money in bank fixed deposits at the current high interest rates. 

However, do note that fixed deposits (except for five-year tax-saving FDs) don’t qualify for deduction from taxable income under Section 80C of the IT Act. Also, the interest earned on FDs is added to the individual’s overall income and taxed at the slab rate.

In the case of most banks, the current interest rates being offered are at a decadal high. Also, the interest rates are expected to go down in the second half of 2024. Hence, if you are looking to park some money in fixed deposits, this is a good time to lock into the current high interest rates.

Gopal Gidwani is a freelance personal finance content writer with 15+ years of experience. He can be reached at LinkedIn.

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Published: 05 Apr 2024, 01:40 PM IST

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