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1. Investment Portfolio – Bank of
Baroda
Life Insurance + Savings Plan
Prepared by: Harshit Jain

2. 1. Brand Name
• Bank of Baroda – The 2nd largest government bank in India, ensuring trust, credibility, and
national presence.

3. 2. Investment Category
• Savings Plan with Risk Cover
• - Combines fixed returns with life insurance benefits.
• - Ideal for long-term wealth creation + protection.

4. 3. Plan Tenure
• Maturity Tenure: 15 years
• Premium Paying Tenure: 12 years

5. 4. Returns Structure
• Fixed Compound Interest: 8% p.a.
• Bonuses:
• - Revisionary Bonus: 2% to 4% Simple Interest p.a.
• - Terminal Bonus: 30% to 50% of Risk Cover at maturity

6. 5. Liquidity Features
• Assignment Facility: Transfer ownership of the plan.
• Paid-Up Option: Stop premium payment any year; full withdrawal allowed after the 5th year.

7. 6. Tax Benefits
• Section 80C: Tax deduction on premiums paid
• Section 10(10D): Tax-free maturity and death benefits (conditions apply)

8. 7. Risk Cover
• In case of death of the life assured:
• - Nominee receives:
• • 10× annual premium as Risk Cover
• • Total premium paid
• • 8% compound interest
• • 2% bonus (simple interest)

9. 8. Special Notes
• - On transfer: Premium paid + 8% CI + 2% SI
• - After 5 years: Bank will help with ownership transfer
• - Paid-Up: Total paid + 2% bonus + 8% CI
• - Risk Cover on death: 10× premium + all returns

10. 9. Unique Selling Propositions
(USP)
• - Brand Value
• - Highest Fixed Return
• - Flexible Investment & Easy Liquidity
• - Tax Benefits

11. 10. Key Terms
• Proposer: Pays premium and gets benefits (Min age: 18)
• Life Assured: Person insured (Age: 5–55)
• Nominee: Gets amount on death (No age limit; Min: 11 months)
• Appointee: Handles money if nominee is a minor

12. Eligibility
• Policy can be taken for Self, Spouse, and Children.