Words that bring meaning to your Investments. Provides comprehensive personal finance information on investing in mutual funds in India, selection of Best performing Mutual Funds, FMP's, ELSS Funds (Tax Saving Funds), Gold Saving fund (FOF), Insurance products, PPF, Property, Exchange Traded gold funds,PayPal, Complete update on financial Products..noreply@blogger.com (Blogger)Wed, 8 Apr 2026 01:50:01 +0530Blogger http://www.blogger.com496125http://mutual-funds-personalfin.blogspot.com/en-usnoWords that bring meaning to your Investments. Provides comprehensive personal finance information on investing in mutual funds in India, selection of Best performing Mutual Funds, FMP's, ELSS Funds (Tax Saving Funds), Gold Saving fund (FOF), Insurance pronoreply@blogger.comhttp://mutual-funds-personalfin.blogspot.com/2015/04/revision-in-self-declaration-form-2014.htmlAnnual Self CertificationDeclaration of Self Certification for mutual fund distributorsFormats for Declaration of Self certificationSelf Declaration For Mutual Fund Distributors For FY 2014-15.noreply@blogger.com (Blogger)Wed, 1 Apr 2015 17:49:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-2290659292823613643 Distributors of mutual funds in India are required to submit the Self-Declaration form every year before the end of the financial year to the RTAs. A Self-Declaration form is all about compliance of circulars issued by AMFI September 26, 2014 Amfi revised self declaration format (CIR/AR-17/14-15) Revised self Declaration Form On appropriate Letterhead Date Amfi 0http://mutual-funds-personalfin.blogspot.com/2014/04/declaration-of-self-certification-for.htmlAnnual Self CertificationDeclaration of Self Certification For Mutual Fund Distributors For FY 2013-14Submission of Self Declarationnoreply@blogger.com (Blogger)Fri, 11 Apr 2014 09:00:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-8255025553194551312 As you all are aware, Distributors are required to submit the Annual Self Certification for the financial year ending 31st Mar 2014 to CAMS at the earliest. Kindly make note of the following points to ensure that the self certification form submitted by you is in order and the same will not be rejected. Please use the attach appropriate form prescribed by AMFI (based on 0http://mutual-funds-personalfin.blogspot.com/2014/04/removal-of-personal-accidental.htmlRemoval of insurance covernoreply@blogger.com (Blogger)Tue, 1 Apr 2014 12:55:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-9098527276358478504 Removal of Personal Accidental Insurance Cover from Principal Personal Tax Saver Fund and Principal Tax Savings Fund. Source: Notice  https://www.principalindia.com/media/Uploads/March_28,_2014_-_Removal_of_Personal_Accidental_Insurance_Cover_1.pdfec 0http://mutual-funds-personalfin.blogspot.com/2014/02/all-indian-currency-notes-issued-before.htmlbank note printed before 2005 will be withdrawn from 31.3.2014how to identify bank note printed before 2005Indian currencyrbi new rule on indian currency.noreply@blogger.com (Blogger)Tue, 4 Feb 2014 20:04:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-1208627082762564820 If your currency notes don’t have a year printed on them, you should get them changed as the Reserve Bank of India (RBI) has announced its plans to withdraw all currency noted issued before 2005. How to identify Pre 2005 currency notes The notes printed after 2005 has the year of printing clearly printed in the middle of the bottom row on the backside. All the notes printed 0http://mutual-funds-personalfin.blogspot.com/2013/12/how-to-check-your-aadhaar-status-in.htmlHow to check your Aadhaar status in your mobile - Android applicationnoreply@blogger.com (Blogger)Thu, 19 Dec 2013 12:12:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-4778125484058174101 C. G. Technosoft Pvt. Ltd come up with official application to check your Aadhaar Staus i.e  your aadhaar linking Status with Banks and LPG supply companies. Link of official application to check your aadhaar card status: https://play.google.com/store/apps/details?id=com.checkaadhaar.status 0http://mutual-funds-personalfin.blogspot.com/2013/11/your-atm-pin-is-now-compulsory-on-all.htmlAtm pin rules by rbimandatory rule for debit card transactionrbi rule on atm pinnoreply@blogger.com (Blogger)Thu, 28 Nov 2013 07:00:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-3989307304352269699 As per Reserve Bank of India (RBI) guidelines, from 1 December 2013, all debit card transactions at retail outlets will need to be validated using the existing ATM PIN. The move was introduced to reduce the incidence of frauds in payment systems. Now every time you swipe your card at a merchant outlet, you will have to enter the personal identification number (PIN) that you use at an0http://mutual-funds-personalfin.blogspot.com/2013/09/mutual-fund-tax-rates-for-fy-2013-14.htmlcapital gain tax for mutual funds for 2013-14Mutual Fund Tax Rates for FY 2013-14tax reckoner 2013-14TDS rate for nri forn2013-14noreply@blogger.com (Blogger)Thu, 19 Sep 2013 18:26:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-229693794172065682 As per Finance Bill 2013, the DDT applicable for debt funds has increased from 12.5 per cent to 25 per cent for individuals and HUFs. DDT applicable to any person other than an individual or HUF i.e. a firm, or a company, continues to be 30 per cent. This new rate is applicable from June 1, 2013 on dividends declared on or after June 1, 2013. Securities Transaction Tax has been 0http://mutual-funds-personalfin.blogspot.com/2013/09/new-hdfc-mutual-fund-transaction-slip.htmlNew HDFC Mutual Fund Transaction SlipPurchaseSwitch and Redemptionnoreply@blogger.com (Blogger)Thu, 19 Sep 2013 18:20:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-1433625547175701356 http://www.hdfcfund.com/CMT/UPLOAD/ARTICLEATTACHMENTS/New_Transaction_Slip-7.6-color_240613.pdf 0http://mutual-funds-personalfin.blogspot.com/2013/09/merger-of-reliance-natural-resources.html2013effective from September 7Merger of Reliance Natural Resources FundReliance Vision Fundnoreply@blogger.com (Blogger)Wed, 18 Sep 2013 07:00:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-6300939490410727952 As per the Addendum No 38 released by RMF on 31st Jul 2013, the units held in Reliance Natural Resources Fund (RNRF) have been merged into Reliance Vision Fund (RVF) with effect from September 7, 2013 based on the prevailing NAV of RVF as on the previous day i.e. September 6, 2013 equal to the value of the units held in RNRF. http://reliancemutual.com/UPLOAD/ARTICLEATTACHMENTS/0http://mutual-funds-personalfin.blogspot.com/2013/07/tax-on-debt-mutual-funds-in-india.htmldebt mutual fundsLong term capital gain tax on gold mutual fundsnri taxationTaxation of Debt Mutual Fundsnoreply@blogger.com (Blogger)Wed, 10 Jul 2013 09:00:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-5599553804349848273       Short term capital gains on Debt funds   Non equity Funds (which holds less than 65% of its expousre in equity)Short term means period of holding is less than a year. Short Term Capital gains tax is deducted according to individual investor's income tax slab.Example: Suppose you are getting Rs.25000 gain by selling debt fund within a year and if your 0http://mutual-funds-personalfin.blogspot.com/2013/07/securities-transaction-tax-stt-paid-on.htmlSecurities Transaction Tax (STT) paid on Mutual Fund Units in Indiastt reduced to 0.001% for FY 2013-14noreply@blogger.com (Blogger)Thu, 4 Jul 2013 18:36:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-6421995203516897671 Securities Transaction Tax Equity Oriented Fund Sale of a unit of an equity-oriented mutual fund0.001% Purchase of a unit of an equity-oriented mutual fund where the transaction is entered into a recognized stock exchange and the contract for sale is settled by the actual deliveryNIL Sale of a unit of an equity-oriented mutual fund the where transaction is entered into a recognized stock 0http://mutual-funds-personalfin.blogspot.com/2013/07/conversion-of-sundaram-thematic.htmlConversion of Sundaram Thematic Entertainment Opportunities Fund & Sundaram Thematic Financial Services Opportunities Fund into Sector Fundsnoreply@blogger.com (Blogger)Mon, 1 Jul 2013 20:45:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-6274031647036205726 Conversion of Sundaram Thematic Entertainment Opportunities Fund (Letter to Unit Holders) Conversion of Sundaram Thematic Financial Services Opportunities Fund (Letter to Unit Holders) 0http://mutual-funds-personalfin.blogspot.com/2013/06/dividend-in-reliance-tax-saver-elss.html2013.Dividend in Reliance Tax Saver (ELSS) Fund - Record date June 28noreply@blogger.com (Blogger)Wed, 26 Jun 2013 18:45:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-6560958032179506628 Dividend History 0http://mutual-funds-personalfin.blogspot.com/2013/06/dividends-in-equity-mutual-funds-in_26.html2013}Dividends in Equity Mutual Funds in India{Junenoreply@blogger.com (Blogger)Wed, 26 Jun 2013 18:37:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-1157682527066561934 0http://mutual-funds-personalfin.blogspot.com/2013/06/dividend-in-sbi-magnum-balanced-fund.html2013.dividend in SBI Magnum balanced fundrecord date june 28sbi balanced fundnoreply@blogger.com (Blogger)Wed, 26 Jun 2013 18:25:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-4842509472834916272 Dividend History 0http://mutual-funds-personalfin.blogspot.com/2013/06/dividend-in-franklin-india-prima-fund.html2013)div in prima funddividend in prima fundrecord date june 21noreply@blogger.com (Blogger)Wed, 26 Jun 2013 18:04:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-7570326618362984247 Franklin Templeton Mutual Fund has announced a dividend of 50 per cent (i.e. Rs. 5 on face value of Rs. 10) under the dividend option of Franklin India Prima Fund. The record date for the same has been fixed as June 21, 2013. All investors registered in the Dividend Plan of the above scheme as on June 21, 2013 will receive the dividend.  Dividend History 0http://mutual-funds-personalfin.blogspot.com/2013/06/how-to-get-mutual-fund-portfolio.htmlcasmutual fund capital gain and loss statementMutual Fund Portfolio Valuation Statementnoreply@blogger.com (Blogger)Tue, 25 Jun 2013 12:48:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-5451937309116054092 Mutual Fund Portfolio Valuation Statement is available in Karvy as well as Cams. How to get that? I. From cams 1.Visit camsonline mailback services for Investors 2. click Portfolio Valuation Statement. 3. Submit your registered email address. If you have not provided an email address in your mutual fund application fom this request can't be responded. II. From Karvy Visit 0http://mutual-funds-personalfin.blogspot.com/2013/06/important-information-on-employee.htmlcircular no. 33circular no. 37Employee Unique Identification NumberEUINnoreply@blogger.com (Blogger)Tue, 25 Jun 2013 12:05:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-3597726461372117873 EUIN is a unique number allotted to employees of distributors involved in selling mutual fund products. This number is being allotted pursuant to AMFI best practices circular no. 33 dated December 31, 2012 as amended vide AMFI best practice circular no. 37 dated March 28, 2013.EUIN will assist in identifying the employee who sold the mutual fund product and address issues of mis-selling 0http://mutual-funds-personalfin.blogspot.com/2013/06/is-dividend-re-investment-in-tax-saver.htmldividend reinvestment is subject to lock inExplain Lock in Period if investment is in ELSS Funds Through SIPlock in in elssnoreply@blogger.com (Blogger)Wed, 19 Jun 2013 19:54:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-4256592043427215662 Is the dividend re-investment in a Tax Saver fund also subject to a lock-in period of 3 years? Also post completion of the 3 year lock-in period, can the non-dividend part be redeemed?  Any investment made into an Equity Linked Saving Scheme (ELSS) is subject to a lock-in period of 3 years, same holds even for dividends from ELSS which is re-invested if the investor has chosen 0http://mutual-funds-personalfin.blogspot.com/2013/06/capital-gains-tax-on-sale-of-mutual.htmlShort Term Capital GainsThis means if you hold units for a period of more than 12 monthsyou can avoid the short-term capital gains tax.noreply@blogger.com (Blogger)Wed, 19 Jun 2013 18:55:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-2493215462152687223 Investors have to pay short-term and long-term capital gains on mutual fund investments.  When units are held over a period of one year, investors pay long-term capital gains tax on debt funds. In case of equity mutual funds, there is no long-term capital gains tax. This means if you hold units of equity fund for a period of more than 12 months, you can avoid the short-term 0http://mutual-funds-personalfin.blogspot.com/2013/06/how-to-redeem-your-mutual-fund-units.htmland get redemption amount directly in your bank accountredeem unitsredeem your mutual Fund unitsredemption formnoreply@blogger.com (Blogger)Mon, 17 Jun 2013 20:11:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-7779422281188269976 The process of selling your mutual fund units is called as redemption. If you wish to redeem mutual fund units from any of the open ended mutual fund scheme; you do so on any business day.  You need to fill  a transaction slip, which you can download from mutual fund website or detach from the end of your account statement. The Application can be submitted at mutual fund office 0http://mutual-funds-personalfin.blogspot.com/2013/06/how-to-canel-systematic-investment-plan.htmlcancel sipHow to Canel SIP of Reliance Mutual Fund Onlinesip cancel formstop sip of reliance mutual fundnoreply@blogger.com (Blogger)Mon, 17 Jun 2013 17:00:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-5697918474401196059 To cancel Sip in mid way, is actually not good idea, but sometime we take such decision due to unavoidable financial reasons, or may be fund is not performing the way we expected. Now the question comes in our mind whether any penalty is charged, if we cancel our ongoing sip in mid-way, the answer is No.   To cancel your ongoing SIP all you need to submit request letter. 0http://mutual-funds-personalfin.blogspot.com/2013/05/how-to-change-address-or-name-in-your.htmlchange in address in aadhaar cardchange in mobile number in aadhaar card.change in name in aadhaar cardnoreply@blogger.com (Blogger)Thu, 16 May 2013 21:07:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-8463202446856278030 In order to make changes you need to visit Aadhaar Self Service Update Portal, Login with your Aadhaar number, submit your request and upload documents Step by step process 1. Login to:  https://portal.uidai.gov.in/updatePortal/login.action 2. Data update Request 3. Upload documents You can request for change in aadhaar card details maximum of four times till march 2014 0http://mutual-funds-personalfin.blogspot.com/2013/05/how-can-i-change-my-address-in-my-pan.htmladdress change in pan cardchange in address in pan cardChange of address for PAN cardnoreply@blogger.com (Blogger)Thu, 16 May 2013 20:02:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-8328752541070011413 Query of Blog ReaderI have changed my residence since PAN card was obtained originally. How to and where change can be done in the records of PAN issuing authorities? - Dr Mrs Krishna Gupta In order to make changes in address details in Pan Card you need to submit "Request for Change or Correction in Pan Data Form." Form Request for New PAN Card or / and Changes or Correction in PAN Data 0http://mutual-funds-personalfin.blogspot.com/2013/05/what-is-tax-treatment-for-nri-investor.htmlTDS calculated for NRI InvestmentThe tax treatment for NRI investorsnoreply@blogger.com (Blogger)Wed, 8 May 2013 17:06:00 +0530tag:blogger.com,1999:blog-186812449327237938.post-4334396616876998450 The tax treatment for NRI investors with respect to Mutual Fund investments is the same that is applicable for Resident Investors except that applicable tax would be deducted at source for NRIs.  How is TDS calculated for NRI Investments?  In case of a domestic company surcharge of @ 5% shall be levied if the total income exceeds Rs. 1 Crore subject to marginal 0