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  • Top 10 Mistakes Beginners Make in Points Rummy

    Top 10 Mistakes Beginners Make in Points Rummy

    Rummy is quite a popular game in India and other countries.  It has inspired multiple variants like:

    1. Points Rummy

    2. Pool Rummy

    3. Gin Rummy

    4. Deal Rummy

    Now, all these games are quite simple to understand.

    Despite that, some people make mistakes when they begin playing the game. If you’re one of them, we’ll help you with the same. However, for those of you who have just downloaded a Rummy app, continue reading to learn more about it.

    Understanding Points Rummy

    This Rummy variant can be played by two to six players and involves one to two decks of cards, depending on the number of players. The fundamental objective of this game is to group all the cards into at least two sequences and sets*, one of which is a pure sequence.

    *Note: A sequence is a meld or group of consecutive cards belonging to the same suit or design printed on them. On the other hand, a set refers to a meld of cards belonging to the same rank, or number printed on them.

    Before The Game

    The dealer hands each player, including themselves, thirteen cards each. After that, the remaining cards form the draw and discard pile*.

    *Note: The draw pile is formed by the remaining facedown cards. The discard pile is formed from the topmost card of the draw pile, which is kept face up.

    Playing A Round

    As with other Rummy online or offline games, players seated to the left of the dealer can start a round in Points Rummy. They can do so by either drawing or discarding a card from the discard pile and the draw pile.

    If they:

    1. Draw a card from the discard pile or draw pile, then they will have to discard one of their cards.

    2. Draw a card from the discard pile, they must use it to meld their cards into valid sequences and sets.

    Ending a Round

    Your round is said to end when you or another player has managed to meld all your cards into acceptable sequences and sets. If you see that you have melded all your cards, then you can call out “Rummy” or press the relevant button in a game of Points Rummy to win.

    Scoring in Points Rummy

    You score zero points if you’ve melded all your cards into valid sequences and sets. The players who lose calculate scores by adding up the points held by the unmelded cards.

    In other words, the:

    1. King, Queen, Jack and Ace carry 10 points each

    2. Number cards from Two to Nine carry the points printed on them (two points for Number Two and so on)

    3. Joker card carries zero points

    Finally, if you ‘drop’ from the game or leave the game before drawing your first card, you will get a penalty of twenty points. On the other hand, you will get a penalty of forty points if you drop after drawing your first card.

    10 Common Beginner Mistakes in Points Rummy

    Let us now talk about the mistakes that beginners make during the game.

    Not Being Familiar With The Rules

    Most players often start playing Points Rummy without understanding and memorizing the rules. That’s because they assume that this game will be the same as other Rummy games.

    However, that’s not the case. That’s because each variant of Rummy is different. This is why you should download a Rummy app from a reputable website and play the other variants to understand them.

    For instance, in Gin Rummy, the person with a ‘deadwood’ value of ten or less, with valid sets and sequences, is declared to be the winner. ‘Deadwood’ refers to the number of unmelded cards.  

    On the other hand, in Points Rummy, the player who melds all their cards into valid sequences and sets is the winner.  So you should understand the rules of this game before you play it. Failing To Plan Ahead

    Usually, most beginners randomly draw and discard cards randomly without considering the possible sets and sequences that they can make.  They do not try to calculate the sequences and sets they can make with the cards they are dealt.

    This lack of pre-planning leads to mistakes like being left with too many high-value cards, or cards that cannot be melded into valid sequences and sets. Holding On To High-Value Cards

    As you’re aware, you should aim to score zero, or the lowest points to win in Points Rummy. However, this is not possible if you have unmelded high-value cards like any of the face cards, Number Nine, and Number Eight.

    That’s because you will incur a penalty based on the total value of the ungrouped cards. For example, say you have unmelded cards like Ace, Jack, Number Nine, Number Eight and Number Seven.

    You will get a penalty of forty-four points. So you will not win the game.

    Overusing Jokers

    The Joker card can:

    . Be used to replace a missing card 

    . Take on the value of any card to complete a missing sequence or set.

    However, that doesn’t mean that you can use two Joker cards in the same set or sequence. It will become an invalid sequence or set.

    Not Observing Your Opponents

    Another classic mistake that players make is not observing their opponents. The cards drawn or discarded by your opponent give you an insight into the possible melds that they might be forming.

    For example, if your opponent has drawn two Number Three cards, then they might be forming a set of Number Three cards.

    On the other hand, if your opponent has discarded two Number Five cards, then they might be trying to make a sequence with their other cards.

    So you should always observe your opponents and play your own hands accordingly.

    Incorrect Declarations

    Some players often “declare” or “show” their cards without melding all the cards into valid sequences and sets. For example, as per Points Rummy rules, you should meld your cards into at least two pure sequences to win.

    However, some players declare after forming only one set and one sequence. This leads to disqualification. So you should meld your cards into at least two pure sequences to win.

    Avoiding Pure Sequences

    Players utilize the Joker cards to complete sets or sequences when they can’t use the actual cards. However, those sequences or sets are called “impure” sets or sequences. While these melds will be valid, they will not be counted toward

    Poor Card Management

    This is another mistake that rookies make. They are unable to meld the cards they have into proper valid sequences or sets, or they discard valuable or wrong cards. For instance, if you have three Number Five cards and a sequence of Number Nine, Eight, Seven, and Six.

    Some players form a sequence with Number Eight, Seven, Six, and Five. This leaves them with one Number Nine and two Number Five cards, which they cannot use in any meld.

    Playing On With A Poor Hand

    Some people continue to play despite not having good cards. For example, let us consider the scenario mentioned in the previous section. You obviously cannot use the Number Nine and two Number Five cards to make a valid meld.

    Now, say you drew a card from the draw pile to form a valid meld. However, if that card is a Number Seven or Six, you cannot use it for that round either. In such a scenario, you should ideally drop from the game.

    However, some players don’t. They usually incur a penalty later on.

    Revealing Your Hand

    You should attempt not to draw any cards from the discard pile, since your opponent will be able to get an insight into the melds you’re forming. We would recommend avoiding this as much as possible.

    Wrapping Up

    Points Rummy is quite an engaging game, which you can enjoy playing once you master it. Do remember to read all the rules we’ve mentioned above to gain a better understanding of the game.

    Additionally, we would recommend downloading a Rummy app from a reputable website and playing practice games. You will be able to reduce the frequency of your mistakes in this way. We wish you all the best!

    Disclaimer: This article has been published without the journalistic or editorial involvement of indiantelevision..com, IndianTelevision.com Group, or any of its affiliated websites. IndianTelevision.com Group does not endorse, subscribe to, or take responsibility for the content, opinions, or views expressed herein.

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    The content provided is solely for informational and awareness purposes.

  • CA Vikas Vohra Sets a New Benchmark Mentoring Finance Professionals at edZeb

    CA Vikas Vohra Sets a New Benchmark Mentoring Finance Professionals at edZeb

    You must have heard this popular saying “A good teacher is like a candle—it consumes itself to light the way for others.”

    This is so true when we talk about our very own CA Vikas Vohra at edZeb. This is not just a saying—it is a reality he lives every day. His name has quickly become synonymous with excellence in finance mentorship. He is very well-known for his sharp mind and a heart full of guidance. Vikas Sir has set a new standard for how finance professionals should be mentored in today’s fast-moving world.

    Nowadays, you will find knowledge is plenty, but guidance is rare. And his presence is shaping futures, one student at a time. He is focused on imparting real-world learning. With a knack for making tough concepts simple, he’s not just teaching finance—he is building finance leaders.

    CA Vikas Vohra’s Journey

    “Experience is the best teacher,” is what CA Vikas Vohra’s journey proves.

    He has walked the path in the finance world for over a decade that most students wish to tread. He has been working from audit rooms to boardrooms. It was a walk through the learning, the leadership, and the exposure to real world finance. He did not just study numbers, he lived them. His solid background as a Chartered Accountant gave him depth of knowledge and insight. That makes him quite unique because he decided to share that wisdom with many more through his CFA coaching in Delhi at edZeb.

    His Transformative Role at edZeb

    CA Vikas Vohra plays a key role in mentoring CFA aspirants. His influence goes far beyond the classroom, making finance feel real and relatable. His belief in “Knowledge shared is knowledge doubled,” and so he brings lessons to life. The use of real-world case studies and live market analysis helps students understand how finance works in the business world today.

    Vikas Sir does not just follow the syllabus; rather, he focuses on creating clarity by simplifying even the toughest topics. It ensures that every student truly understands the concepts. His teaching style is interactive, making each class engaging and full of “aha” moments. His students enrolled in the financial modelling course not only learn finance but also enjoy it, applying their knowledge in real-life situations.

    Benchmarks Setting Long-Lasting Impact on Learners

    As the proof of the pudding is in the eating, the true value of a teacher is seen in the success of their students. Under the guidance of CA Vikas Vohra learners have passed their CFA exams with flying colors. Moreover, they have also stepped confidently into the finance world. His impact goes far beyond the classroom, and here is how he is helping students raise the bar.

    Turning Learners into Professionals
    Under his expert mentorship, students prepare to crack their exams and prepare for life in finance. His teaching focuses on building skills that work in the real finance industry, not just in theory.

    Results That Speak
    His classes have seen high pass rates. Many of his students now work at leading finance firms. Only because of his real-world teaching style bridging the gap between books and boardrooms.

    Patience as His Superpower
    Vikas Sir is known for his calm and steady approach. No question is too small for him. He makes time for every student, explains tough concepts in a simple way, and ensures no one is left behind.

    More Than a Teacher
    To many, he is more than just a faculty member; for them, he is a mentor and a motivator. Whether a student is stuck on a chapter or unsure about their career path, he is always there to give the right advice.

    A Cheerleader at Heart
    He celebrates each win, big or small. From clearing a doubt to clearing an exam. He makes his students feel seen and supported at every step.

    In every sense, Vikas Sir is helping shape not just finance students, but future finance leaders.

    His Role in edZeb’s Vision

    The institute was built with the vision to provide practical, mentorship-driven coaching to finance aspirants, and Vikas Sir lives that vision every day. His teaching style matches edZeb’s core belief: education must empower, not overwhelm. Together, they are redefining finance education.

    A rising tide lifts all boats, so does under CA Vikas Vohra’s mentorship, edZeb is not just growing but thriving. His dedication has raised the bar for finance education, and in doing so, he is lighting the path for many more to follow.

    As the world of finance evolves, one thing is clear: with mentors like Vikas Sir, the future is in good hands.

    So, if you want to know more about them,
    Call +91-8263-900-900
    Sr. Counsellor, 
    edZeb

  • Paridhi Bhatiya Moves On from Ogilvy, Joins Pepper Content as National Head – Content, Creative & Strategy

    Paridhi Bhatiya Moves On from Ogilvy, Joins Pepper Content as National Head – Content, Creative & Strategy

    Paridhi Bhatiya created and led Ogilvy’s Content Force for the last five years. She is stepping down from her role on 28th April 2025, marking the end of a powerful chapter and the beginning of an ambitious new one.Known for building high-performing digital teams and culture-first content ecosystems, Paridhi’s departure signals more than a transition—it signals a shift in how brands think about the future of storytelling.

    During her time at Ogilvy of nearly more than half a decade, Paridhi scaled a team of digital natives into strategic content architects, delivering some of the agency’s most awarded and culture-shaping campaigns. From creator-led narratives to trend-responsive IPs, her work consistently pushed the boundaries of how content could drive real business and cultural impact.

    She now joins Pepper as National Head – Content, Creative & Strategy, where she will drive the platform’s next phase of growth—bridging technology, creativity, and storytelling at scale.

    Anirudh Singla, CEO & Co-founder of Pepper Content, said:
    “Paridhi brings rare energy—part creator, part strategist, all heart. She has built scalable systems, visionary teams, and cultural relevance at scale. As we build for the future of content, we need leaders who don’t just move with it—but charge toward it. Paridhi is that force, and we’re thrilled to have her steer what comes next.”

    On joining Pepper, Paridhi shared:
    “Content isn’t just a medium anymore—it’s the marketplace, the movement, the moment. At Pepper, I want to build an ecosystem that isn’t siloed—where content, creativity, and strategy aren’t separate verticals, but one agile, living force. We’ll build systems and people that are multi-skilled, culturally tuned, and ready to lead, not follow. This isn’t just a new role—it’s a new mission.”

    About Paridhi Bhatiya:
    With 18 years of experience across digital storytelling, brand strategy, and culture-first content creation, Paridhi Bhatiya is a force in the Indian marketing and advertising landscape. She has led high-performing teams at some of the country’s most iconic agencies, most recently heading the Content Force at Ogilvy. Known for her ability to blend creative instinct with strategic thinking, she has shaped award-winning campaigns, built scalable content ecosystems, and nurtured next-gen talent.

    Paridhi also teaches digital and AI-led marketing, helping future professionals decode the ever-evolving content economy. Outside the boardroom, she’s an advanced scuba diver and runs a passion-led weekend baking kitchen—proof that creativity doesn’t clock out when the laptop shuts.

    She thrives at the intersection of insight, innovation, and influence—making her one of the sharpest minds leading the future of content in India today.

    One Liner:

    Paridhi Bhatiya is a content strategist, digital marketing educator, scuba diver, and weekend baker—building brands by day, baking dreams by night, and diving deep into both.
     

  • Why India’s Tech Industry is Positioning Itself as the New Major Player on the Global Market

    Why India’s Tech Industry is Positioning Itself as the New Major Player on the Global Market

    India is home to some of the world’s biggest tech companies, and over the past few years, the country has repositioned itself as a new major player on the global tech scene. 

    With that said, let’s dive straight in to discover why the Indian tech scene here is currently burgeoning and why it has become a key market for innovation and investment. 

    Where are the key tech hubs in India?

    Key Indian cities such as Bangalore, Hyderabad, and Chennai are the country’s major tech hubs for various reasons, and the digital economy here is rapidly growing due to its large pool of highly talented and skilled developers and engineers. 

    The key tech sectors with thriving and robust ecosystems in India are the following:

    . Data centers and semiconductors

    . AI (artificial intelligence)

    . Cloud computing

    . Cybersecurity

    . Gaming

    Other tech sectors in India that are also currently growing are IT services, mobile technology, and eCommerce.  
    The epicentre of India’s technology industry is Bangalore, which has been compared to Silicon Valley in the United States. It’s home to a growing number of tech startups and major tech companies, and it has a well-matured framework fostering growth and innovation. 

    Tech companies receive plenty of government support via numerous initiatives, and over the coming years, experts predict that India’s tech scene will continue to reposition itself as a key player on the global stage. 

    Chennai has become a hub of Software as a Service (SaaS) and currently has a burgeoning IT sector. Other Indian cities, such as Noida, Ahmedabad, Kochi, Kolkata, Mumbai, and Pune, have also emerged as key technology hubs thanks to continued investment, a well-matured ecosystem, and a tech-savvy population. 

    The iGaming scene, which is home to countless legally permitted websites with online slot machines and classic table and card games, also continues to grow thanks to the latest ground-breaking technologies and better regulations. 

    How has India become a major tech hub?

    India has a huge pool of graduates specialising in Science, Technology, Engineering, and Mathematics (STEM), which is helping its tech sector grow, and a significant portion of India’s talented workforce is proficient in English. 

    The lower labour costs here compared to other developed nations make India an ideal destination for offshoring and outsourcing, and there is continued investment in various key tech sectors, such as cloud computing, blockchain technology, the Internet of Things (IoT), and artificial intelligence. 

    Government-backed initiatives, such as Digital India and Startup India, have helped foster innovation and support tech startup companies, and according to recent statistics, India is now home to around 130,000 startup companies and more than 110 ‘unicorns.’

    There is a huge focus here on nurturing digital infrastructure to help support the continued growth of the tech sector, and India is starting to emerge as a leader in setting high standards on the global stage for data ethics and governance. 

    Expert analysts who follow the industry closely project that India’s Compound Annual Growth Rate (CAGR) will climb by around 6.5% between now and 2028, and by the end of last year (2024), India’s tech industry achieved an impressive 5.90% (year-over-year) growth. 

    Final thoughts

    Over the coming years, the future looks bright for India’s tech sector. Most of the revenue will be generated from significant exports to other countries in the IT and BPM sectors. It will also continue growing because of internet penetration and an ever-increasing population. 

    There’s no denying that India has become a true tech powerhouse on the global stage, and it is poised for unprecedented growth over the next decade. 

    However, there are still many challenges the country must overcome to assert itself as a true global tech leader, so it will be interesting to see what happens as the industry continues to evolve.

    Disclaimer: This article does not have journalistic/ editorial involvement of indiantelevision.com. indiantelevision.com group or its websites does not endorse/ subscribe to the contents of the article/advertisement and/or views expressed herein.

    The reader is further advised that Online Casino, Betting, Online Gaming , Crypto products, Financial Investments/Engagement , NFTs, Products associated with health, wellness, and food are unregulated and can be highly risky. There may be no regulatory recourse for any loss from such transactions or risk associated with health conditions.

    Indiantelevision.com group shall not in any manner, be responsible and/or liable in any manner whatsoever for all that is stated in the article and/or also with regard to the views, opinions, announcements, declarations, affirmations etc., stated/featured in the same. The decision to read hereinafter is purely a matter of choice and shall be construed as an express undertaking/guarantee in favour of indiantelevision.com (indiantelevision.com group) of being absolved from any/ all potential legal action, or enforceable claims. The content may be for information and awareness purposes and does not constitute financial advice. 

  • OneClickDrive- UAE’s Top Platform for Used Car Sales & Rental Offers Exclusive Deals.

    OneClickDrive- UAE’s Top Platform for Used Car Sales & Rental Offers Exclusive Deals.

    Dubai, with its iconic luxurious lifestyle and automobile marketplace, has become a dream city for car enthusiasts and buyers willing to pay a fair price for luxury cars. Luxury cars in Dubai are now more affordable than ever, thanks to OneClickDrive, the top UAE platform for used cars and rentals. A platform that is changing the game when it comes to the buying and renting of luxury and premium cars in the UAE. OneClickDrive offers exclusive promotions on used luxury cars in Dubai sales.

    OneClickDrive has long been recognized as a platform for both car rentals and used car sales in the UAE. By connecting buyers with a variety of vehicle selection, it offers a smooth, transparent, and hassle-free experience. When looking for a luxury vehicle at reduced costs, OneClickDrive’s listings from local dealerships and sellers is the perfect stopover for buyers.

    The website offers customers to handpick vehicles from a range of luxury brands, whether it is a sporty automobile, an SUV with smoking tires, or a quiet gentleman sedan. From the household names of Mercedes-Benz, BMW, Audi, and Porsche to the more exotic names of Maserati and Lamborghini, the marketplace boasts of a large inventory of top-end vehicles.

    What distinguishes OneClickDrive from the rest of used car websites in Dubai is that it can provide customers with special discounts on luxury cars. With alliances with luxury dealerships and private individuals in the UAE, the platform provides clients with the lowest Ferrari price in Dubai and limited time offers. The discounts are being provided to make luxuries accessible to more clients at a considerable discount than purchasing brand-new models.

    OneClickDrive simplifies the process of finding a car that fits varied budgets and requirements. The ease of use of the platform makes it possible for prospective buyers to sort cars according to make, model, price, and features, making it easy for them to choose the car that meets their requirements.

    For prospective buyers of used luxury vehicles in Dubai, OneClickDrive offers an unparalleled combination of variety, affordability, and ease. Whether looking for a high-performance sports car or a sophisticated executive sedan, the sellers on the platform have something for everyone. With their commitment to customer satisfaction and exceptional service, OneClickDrive is the go-to platform for luxury car buyers in Dubai.

  • Best Countries for a Honeymoon Outside India on a Budget

    Best Countries for a Honeymoon Outside India on a Budget

    A honeymoon is more than just a vacation – it’s the first big adventure of your married life. Travelling abroad offers new cultures, dreamy landscapes, and memories that last forever. While international travel may seem expensive, several destinations offer stunning views, romantic experiences, and unforgettable moments – all without burning a hole in your pocket.

    From scenic beaches and snow-capped mountains to vibrant cities and serene countryside, you can find a perfect honeymoon spot that suits your taste and budget.

    Top Budget-Friendly Honeymoon Destinations Outside India

    Here are some of the best countries for honeymoon destinations outside India that offer a perfect mix of romance, adventure, and affordability:

    1. Thailand

    Thailand is a classic honeymoon favourite for Indian couples. It combines tropical beaches, lively cities, and mouth-watering cuisine.

    . Highlights: Explore the beaches of Krabi and Phuket, take a romantic boat ride in Phi Phi Islands, or enjoy the nightlife of Bangkok.

    . Budget Tips: Local transport, street food, and budget hotels make Thailand a cost-effective choice.

    . Average Budget: ₹70,000 to ₹1,00,000 for a 5-6 day trip (per couple).

    2. Sri Lanka

    Just a short flight from India, Sri Lanka offers a mix of lush greenery, ancient ruins, and beautiful beaches.

    .Highlights: Visit the tea plantations in Nuwara Eliya, take a beach break in Bentota, or go sightseeing in Kandy and Galle.

    .Budget Tips: Affordable accommodation and local buses help keep costs low.

    .Average Budget: ₹60,000 to ₹90,000 for a 5-7 day trip (per couple).

    3. Bali, Indonesia

    Bali is known for its spirituality, scenic rice terraces, and luxurious yet affordable villas.

    .Highlights: Sunset at Uluwatu Temple, couples’ spa sessions, and beachside dinners in Seminyak.

    .Budget Tips: Choose homestays or mid-range resorts, and dine at local warungs (eateries).

    .Average Budget: ₹80,000 to ₹1,20,000 for a 6-7 day trip (per couple).

    4. Vietnam

    Vietnam is fast gaining popularity for its stunning landscapes and budget-friendly travel.

    . Highlights: Cruise in Ha Long Bay, walk hand-in-hand through the lantern-lit streets of Hoi An, or explore the capital Hanoi.

    . Budget Tips: Local transport and food are very inexpensive, and many attractions are free or low-cost.

    .  Average Budget: ₹70,000 to ₹1,00,000 for a 7-day trip (per couple). 

    5. Nepal

    If you love the mountains, Nepal is an ideal romantic escape with its cool weather and serene surroundings.

    . Highlights: View the Himalayas in Pokhara, take romantic strolls around lakes, or explore Kathmandu’s heritage sites.

    . Budget Tips: Proximity to India makes travel cheap, and meals and stays are very affordable.

    . Average Budget: ₹40,000 to ₹70,000 for a 5-day trip (per couple).

    6. Maldives (On a Budget)

    The Maldives is known for luxury, but it can be done on a budget by choosing guesthouses on local islands.

    . Highlights: Snorkelling, beach walks, and private dinners with ocean views.

    . Budget Tips: Skip the expensive resorts and stay on local islands like Maafushi or Thulusdhoo.

    . Average Budget: ₹90,000 to ₹1,30,000 for a 4-5 day trip (per couple).

    7. Turkey

    Turkey offers a blend of European and Asian cultures with diverse landscapes.

    . Highlights: Hot air balloon rides in Cappadocia, exploring Istanbul’s history, and relaxing at the beaches in Antalya.

    . Budget Tips: Plan in shoulder seasons (spring/autumn) and choose budget airlines and B&Bs.

    . Average Budget: ₹1,00,000 to ₹1,40,000 for a 6-7 day trip (per couple).

    How Does Travel Insurance Add Security to Your Trip?

    While planning your honeymoon, international travel insurance might not be the first thing that comes to mind, but it’s essential. Here’s why:

    1. Medical Emergencies

    Healthcare abroad can be expensive. Travel insurance covers hospital stays, doctor visits, and emergency treatments, saving you from unexpected bills.

    2. Trip Cancellations

    If your trip is cancelled or delayed due to unforeseen circumstances like weather or personal emergencies, insurance helps recover prepaid costs.

    3. Lost Belongings

    Baggage loss or passport theft can ruin your honeymoon. Travel insurance ensures support and reimbursement in such cases.

    4. Peace of Mind

    Knowing that you’re protected allows you to enjoy your honeymoon without worrying about what might happen.

    When buying travel insurance, compare policies, emergency evacuation, and 24/7 support. A small upfront cost can save you from big losses later.

    Your honeymoon marks the start of your life together. With some research and planning, you can make it magical and memorable – all within your budget. 

    Planning a dreamy honeymoon doesn’t have to break the bank. From the pristine beaches of Thailand and the cultural charm of Sri Lanka to the romantic streets of Vietnam and the breathtaking views in Turkey, plenty of international destinations offer unforgettable experiences without stretching your budget. 

    With a little research and early planning, you can enjoy a perfect blend of romance, adventure, and relaxation—all while keeping your expenses in check. So, pick the place that speaks to your heart and start the first chapter of your married life with memories that last a lifetime.

  • How to Enrol in PMJJBY Online Without an Agent?

    How to Enrol in PMJJBY Online Without an Agent?

    Imagine wanting to get life insurance but dreading the process—calls from agents, endless paperwork and confusing terms that leave you with more questions than answers. Sounds exhausting, right? But what if there was a way to skip all that and enrol in a life insurance plan entirely online, without any agent? That’s exactly what Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) offers. In this blog, we’ll show you how to sign up for PMJJBY quickly and hassle-free using just your bank’s online services.

    What is Pradhan Mantri Jeevan Jyoti Bima Yojana?

    Life is unpredictable and while no one likes to dwell on uncertainties, having a financial safety net can make all the difference. PM Jeevan Jyoti Bima Yojana is a simple and affordable life insurance scheme designed to provide that very protection. Backed by the Government of India, this one-year renewable term plan ensures that if something happens to the policyholder, their family receives a financial payout of ₹2 lakhs.

    Unlike traditional life insurance policies that come with investment components or complex terms, this is a pure protection plan – it covers only mortality risk, with no savings or returns involved. The idea is straightforward: you pay a minimal premium each year and in return, your family gets a guaranteed payout if you’re no longer around.

    How does it work?

    Enrolling in PM Jeevan Jyoti Bima Yojana is hassle-free, with no lengthy paperwork or medical check-ups. The coverage begins from June 1 or the date of enrolment (whichever is later) and lasts until May 31 of the following year. Since this is an annual policy, you need to renew it every year to keep the coverage active.

    The process is handled through participating banks and post offices, which act as intermediaries between policyholders and insurers such as LIC and other life insurance providers. Once enrolled, the premium is auto-debited from your savings account, ensuring a seamless experience with no manual payments or follow-ups.

    How much does it cost?

    One of the biggest advantages of this scheme is its affordability. The annual premium is just ₹342 per person (or ₹330 per person for joint account holders), making it accessible to a wide range of individuals. Here’s how the cost is distributed:

    ● ₹436 per annum goes directly to the insurance company to provide coverage. 
    ● ₹30 per annum is given to the bank or agent for handling the enrolment and servicing. 
    ● ₹11 per annum is allocated for administrative expenses.

    This structured cost breakdown ensures that even individuals from lower-income groups can afford a life insurance policy without financial strain.

    What happens in case of a claim?

    If the unfortunate happens, the nominee registered under the policy will receive ₹2 lakhs as a death benefit. The scheme is designed to cover all types of deaths, whether natural or accidental. However, for new enrolments, there is a 30-day waiting period (lien period) during which coverage is applicable only for accidental deaths.

    Since this is a pure term insurance plan, there are no maturity or surrender benefits – meaning if you don’t make a claim, there is no return on investment. The plan is solely for risk coverage, ensuring financial security for your loved ones.

    Tax benefits of PM Jeevan Jyoti Bima Yojana

    Apart from providing financial protection, the premium paid for this policy is eligible for tax deductions under Section 80C of the Income Tax Act. This means that while securing your family’s future, you can also reduce your taxable income, making this a smart financial decision.

    Eligibility criteria of Pradhan Mantri Jeevan Jyoti Bima Yojana

    1.  Age Limit: 18 to 50 years (coverage continues till 55 if renewed annually). 
    2.  Bank Account: Must have a savings bank account with a participating bank or post office. 
    3.  One Policy Per Person: You can enrol through only one bank account, even if multiple accounts exist. 
    4.  Aadhaar Requirement: Aadhaar must be linked to the savings account. 
    5.  Medical Declaration: You must provide a self-attested medical certificate confirming no critical illness. 
    6.  Annual Renewal: Premium is auto-debited yearly. Coverage lapses if the payment is missed.

    Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana Online

    Applying for PM Jeevan Jyoti Bima Yojana online is quick and hassle-free. You can enrol directly through your bank’s internet banking or mobile banking platform without involving an agent. Follow these simple steps:

    1. Log in to Internet Banking 
    ⮚  Visit your bank’s official website or open the mobile banking app. 
    ⮚  Use your credentials to log in.

    2. Find the PM Jeevan Jyoti Bima Yojana Section 
    ⮚  Look for the Insurance or Government Schemes section. 
    ⮚  Select PMJJBY from the available options.

    3. Fill in the Application Form 
    ⮚  Verify your personal details (name, age, Aadhaar-linked savings account). 
    ⮚  Provide nominee details for claim settlement.

    4. Give Consent for Auto-Debit 
    ⮚  Agree to the auto-debit mandate for the annual premium deduction.

    5. Submit & Receive Confirmation 
    ⮚  Complete the enrolment and receive an acknowledgment via SMS or email. 
    ⮚  The premium will be deducted automatically and coverage will begin as per scheme rules.

    Final Thoughts

    Enrolling in PM Jeevan Jyoti Bima Yojana online is a simple way to secure life coverage without the hassle of agents or paperwork. With automatic renewals and a minimal premium, it’s an accessible option for financial protection. If you are exploring other term insurance plans, use a term plan calculator to compare coverage and premiums before making a decision.

  • Hero FinCorp Makes Financing Simpler for Self-Employed with Dedicated Personal Loan Options

    Hero FinCorp Makes Financing Simpler for Self-Employed with Dedicated Personal Loan Options

    Personal Loans are funding options for managing unexpected expenses and achieving financial goals. Those with a regular income and stable employment are the candidates for Personal Loan applications. However, if you are self-employed, you can also obtain a Personal Loan for self-employed at Hero FinCorp, provided you fulfil the lender’s eligibility criteria.

    As a self-employed individual, you may need funds for various purposes, such as a wedding, education, home renovation, travel plan, etc.. Here is everything you need to know about a Personal Loan for self-employed individuals from Hero FinCorp.

    What is a Personal Loan for Self-Employed?

    If you are a small business owner, entrepreneur, lawyer, chartered accountant, or a practising doctor, you may apply for a Personal Loan from Hero FinCorp under the self-employed category. You may often need money to serve various purposes, such as setting up a workplace in your home, expanding your business, purchasing office furniture, travelling for work, or taking a holiday. A Personal Loan for the self-employed may also cover your immediate cash needs.

    Although lending institutions prefer salaried employees due to their regular income and professional stability, Hero FinCorp makes obtaining this loan easier if you prove sufficient financial capacity to repay it on time. You must present your income proof and the company’s growth to qualify.

    Reasons Why a Hero FinCorp Personal Loan is Ideal for the Self-Employed

    There are numerous reasons that make Hero FinCorp Personal Loans the ideal funding option for the self-employed. These include the following: 
    Smooth Application: The convenience of obtaining the required funding without any office visits or paperwork makes it an attractive option for self-employed applicants. These loans are simple to apply for. You just need to complete an online application form and receive the funds directly into your bank account.

    Ample Loan Amount: If you are a self-employed professional, the unpredictability and instability of your income may impact your eligibility for a Personal Loan. In such cases, you must show your bank statement or ITR to calculate an average. Based on your eligibility, you may borrow a loan of Rs 50,000 to Rs 5 Lakh to cover your needs.

    Very Little Documentation: The documentation requirements may vary between salaried and self-employed professionals. You don’t need to visit the lender’s office to submit the required documents. All you need to include are the following:

    ●  Identity Proof: PAN Card/Adhar Card 
    ●  Address Proof: Adhar Card 
    ●  Income Proof: Bank Statement for last 6 months

    Variable Repayment Tenure: At Hero FinCorp, you can choose a repayment tenure of 12 to 36 months according to your EMI affordability. Analyse your income and debt-to-income ratio and choose a tenure with EMIs suitable to your budget.

    Quick Disbursal: As soon as the lender approves your loan application, they disburse the funds directly into your bank account within 48 hours.

    How to Obtain a Personal Loan for Self-Employed?

    If you are looking for a Personal Loan for self-employed, follow these instructions to apply:

    ●  Visit Hero FinCorp’s official website and review the Personal Loan section to learn about the features and benefits. 
    ●  Determine the loan amount you need. 
    ●  Check your eligibility for a Personal Loan and prepare the documentation. 
    ●  Verify your KYC by entering the OTP received on your registered mobile number.  
    ●  Submit the application after double-checking the information.

    Once the lender approves your loan application, review and accept the loan offer to receive disbursal directly into your bank account.

    As a self-employed professional, you can use a Personal Loan. Now that you know the benefits and features of a Personal Loan for self-employed and how to obtain one, visit the Hero FinCorp website to avail of these offerings and services. Hero FinCorp offers financing solutions for individuals seeking low-interest Personal Loans in India.

    Disclaimer: The information provided in this blog post is intended for informational purposes only. The content is based on research and opinions available at the time of writing. While we strive to ensure accuracy, we do not claim to be exhaustive or definitive. Readers are advised to independently verify any details mentioned here, such as specifications, features, and availability, before making any decisions. Hero FinCorp does not take responsibility for any discrepancies, inaccuracies, or changes that may occur after the publication of this blog. The choice to rely on the information presented herein is at the reader’s discretion, and we recommend consulting official sources and experts for the most up-to-date and accurate information about the featured products.

  • Education Loan Prepayment: Advantages and How to Manage

    Education Loan Prepayment: Advantages and How to Manage

    While it may seem like a challenge, prepayment helps you clear the debt faster, and the savings in interest can make a big difference in the long run. This article explores the benefits of early loan repayment and how it can ease your financial burden.

    7 Easy Steps to Prepay Your Education Loan

    1. Review Loan Terms: Before making any extra payments, take a close look at your loan terms. Some loans may have penalties or specific rules for prepayment that you must know to avoid unexpected charges. 

    2. Assess Your Finances: It’s essential to ensure that prepaying your loan doesn’t strain your finances. Take stock of your income, savings, and monthly expenses. Try to balance prepayment with having enough money set aside for unexpected costs.

    3. Notify Your Lender: Always inform your lender about your intention to make a prepayment. This helps avoid any confusion and ensures your extra payment is processed correctly, either to reduce the principal or interest.

    4. Decide on the Amount: Think about how much you want to pay. You could go for a lump sum, clear a portion of the loan, or even pay the entire remaining balance. Choose an amount that fits your budget and provides the most benefit by lowering the principal.

    5. Make the Payment: Complete the prepayment through your lender’s preferred method—whether it’s an online transfer, cheque, or bank draft. Ensure that it’s clearly marked as a prepayment to guarantee it goes towards reducing your principal.

    6. Request an Updated Statement: After making the prepayment, always request a fresh loan statement from your lender. This will confirm that your payment has been applied correctly and show the updated balance, keeping you on top of your loan.

    7. Stick to Regular Payments: If your prepayment was partial, continue making your usual EMI payments. This way, you’ll stay on track to pay off your loan while benefitting from the reduced interest as a result of the lower principal balance.

    Want to study at a top university but worried about loan security requirements? Learn how to apply for an education loan without collateral and make your dream education a reality.

    Benefits of Prepaying your Education Loan 

    Prepaying your education loan can bring several financial advantages:

    1. Save on Interest: By paying off your loan early, you reduce the principal, which ultimately lowers the interest you’ll pay over time. 

    2. Pay Off Debt Faster: Early repayments allow you to clear your loan sooner, helping you get out of debt quicker and freeing up your income for other priorities.

    3. Boost Your Credit Score: Making early payments can improve your credit score, showcasing your financial responsibility.

    4. Ease Financial Pressure: With a smaller outstanding balance, your monthly payments become more manageable, relieving stress and giving you more breathing room in your budget.

    5. More Room to Save for the Future: Once the loan is paid off, you can focus on saving for future goals like buying a home, traveling, or investing, with fewer obligations.

    Just be sure to check if your loan allows prepayment without penalties, and take advantage of the opportunity to gain long-term financial freedom.

    Why Propelld?

    The following are the primary benefits of Propelld.

    Particulars

    Details

    Max Loan Amount

    50 Lakhs

    Collateral 

    Not Required

    Moratorium

    Available

    Processing Time

    10 Times Faster than Banks

    Disbursal Time

    7 Days

    Approval Rate

    Higher than Other Banks

    Special USP

    Marks Based Approval

    % Financed

    100% of Fees