Senior Citizens Guide 23-07-09.pmd - Helpage India Programme

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26For details on this and other such schemes log on to http://www.maxnewyorklife.com , call 1800-200-5577; 1800-180-5577 ( BSNL/MTNL)or SMS LIFE to 54242(x) AVIVA Pension EliteEntry AgeMaturity AgePolicy TermPremium Payment Term (PPT)Annual PremiumTop Up PremiumSum AssuredPremium Frequency18 yrs. – 60 yrs40 yrs. – 70 yrs10 yrs – 30 yrsPPT is equal to Policy TermRs. 50,000 Minimum. No Limit for MaximumRs 1,000 Minimum. No Limit for MaximumRs. 25,000 ( Fixed)Yearly, Half Yearly, Quarterly, MonthlyFor details on this and other such schemes log on to http://www.avivaindia.com/Individual/Retirement.aspx(xi) New Jeevan Dhara-IThis is Deferred Annuity plan that allow the policyholder to make provision forregular income after the selected term.Premiums:Premiums are payable yearly, half-yearly, quarterly, monthly or through Salarydeduction, as opted by you, throughout the term of the policy or till earlier death.Alternatively, the premium may be paid in one lump sum (single premium).Tax Benefits:Tax relief under Section 80ccc is available on premiums paid under New JeevanSuraksha I (Table No.147). The premiums paid under New Jeevan Dhara I (TableNo.148) qualify for tax relief under Section 88.Bonuses:These are with-profit plans and participate in the profits of the Corporation’s annuity/ pension business. Policies get a share of the profits in the form of bonuses.Simple Reversionary Bonuses are declared per thousand Sum Assured annuallyat the end of each financial year. Once declared, they form part of the guaranteedbenefits of the plan. Final (Additional) Bonuses may also be payable providedpolicy has run for a certain minimum period.For more information on this and other such schemes log on to www.licindia.com
27(D) BANKING: FACILITIES, INTEREST RATESIndusind Bank Ltd. has launched a Senior Citizens Scheme - an investment optionthat gives you high returns with the assured security. It offers- Free ATM Card- Telebanking- Internet bankingIt has 26 branches all over India.(For more details visit www.indusind.com or contact Indusind House, DadasahebBhadkamkar Marg (Lamington Road), Mumbai - 400 004, Tel. : 91-22-385 6072/Fax : 91-22-385 6037.)Citibank Senior Citizen Account gives higher interest rate on fixed deposits;free transactions at ATMs of all banks; succession planning service to help youprotect/preserve your wealth. Other benefits include discounts at leading hospitals,spa, exclusive annual membership plan at leading natural therapy centres, freeconsultation with Ayurvedic experts, tailor-made tour packages to religious/exoticdestinations and regular assistance on travel booking. For other privileges likeloan against property and facilities against your investment in equity shares andmutual funds please log on to www.online.citibank.co.in.Special Rate of Interest to Senior CitizenThe Bank offers an additional rate of 0.50% p.a. on deposits of one year andabove to senior citizens, on our domestic term deposit schemes. For details logon to www.unionbankofindia.co.inSenior Citizens (public other than staff) will get 0.5% p.a. interest more than thecard rates on their deposits of six months and above maturity on all depositschemes uniformally till further notice. Senior Citizens Ex-Staff members willget 1.5% p.a. additional interest (0.5% for senior citizen+1% p.a. applicable tostaff members) for their deposits for periods of 6 months and above on fresh/renewal of deposits upto amount of Rs. 15 lacs only (Branch Circular No. 102/27 dated 07.05.2008). For details log on to http://www.bankofindia.com/Deposit.aspxAllahabad Bank Personal Loan Scheme for PensionersAll central and state govt. and teacher pensioners drawing pension from any branchof the bank is eligible for loan under this scheme. Any other pensioner if s/he iswilling to provide 50% collateral security by way of FDR/NSC/KVP/LIP. The ageshould not exceed 70 years. The minimum loan amount is Rs 15,000 and maximumRs.75,000. The interest rate is PLR+1%p.a.w.m.r. 0.5% rebate is allowed for regularpayment. Processing fee of 0.50% of the loan amount with a minimum ofRs.200.Repayment period is 36 months. Group Personal Accident Insurance Policyof Rs.75,000 covering accidental death of the pensioner. For other details log onto http://www.allahabadbank.com/ploan_pensioner.asp#top
Page 5 and 6: iiiCONTENTS1. CONSTITUTIONAL PROVIS
Page 9 and 10: 3• Access to food and adequate nu
Page 11 and 12: 5MINISTRY OF SURFACE TRANSPORTi) St
Page 13 and 14: 7Implementing Agencies:Assistance w
Page 15: 93. LEGAL RIGHTS(a) CODE OF CRIMINA
Page 18 and 19: 124. PRIVILEGES & BENEFITS(a) ECONO
Page 20 and 21: 14years or aboveper month.0910.11.1
Page 22 and 23: 16• Section 9 provides for settin
Page 24 and 25: 18category includes sons and unmarr
Page 26 and 27: 20employee and his dependent parent
Page 28 and 29: 22Direct TaxesExemption limit in pe
Page 30 and 31: 24sum insured under section I. Ambu
Page 34 and 35: 28(E) REVERSE MORTGAGE• Baroda As
Page 36 and 37: 30sisters, widowed daughters, minor
Page 38 and 39: 32(iii) Headquarters of CGHS in the
Page 40 and 41: 345. Lok Nayak Jai Prakash Narain H
Page 42 and 43: 36Alzheimer’s & Related Disorders
Page 44 and 45: 383. Maharashtra :BEST buses in Mum
Page 46 and 47: 40• Income Tax Return :- Separate
Page 48 and 49: 42ChennaiClasicKudumbumMumbaiDignit
Page 50 and 51: 44Dignity DialogueDignity Foundatio
Page 52 and 53: 46http://www.corecentre.co.in/http:
Page 54 and 55: 48A pensioner will have the option
Page 56 and 57: 50Annexure-2Specialised Hospitals f
Page 58 and 59: 52US Canada Toll Free: 1-800-730-63
Page 60 and 61: 54VadodaraTel: +91-265-310668, 3130
Page 62 and 63: 56Jagadguru Kanchi Sri Chandrasekar
Page 64: 58Gandhi NagarMadurai - 625 020Tami

Senior Citizens Guide 23-07-09.pmd - Helpage India Programme

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