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RAJ Group of Companies
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RAJ Group of Companies
RAJ Group of CompaniesRAJ Group of Companies
RAJ Group of Companies



RAJ Group of Companies
1. Last date of filing the belated return is 31st March 2008 and beyond which the return would attract a penalty of Rs. 5,000/-

2. For the Assessment Year 2008-09 last date for filing the return of Income is 30th September for the assessee whose accounts are audited or the assessee is a Company. In other cases 31st July.

3. Income Tax Rate for the Assessment Year 2008-09 (For Individual Man and HUF) * 1.1 Lakh to 1.5 : 10% * 1.5 to 2.5 : 20% * 2.5 to above : 30% Except (For Individual Woman) * 1.45 to 1.5 : 10% (For Senior Citizen) * 1.95 to 2.5 : 20% + Education Cess 2% + S.H.E.C 1% (Surcharge 10% if income is more than 1 crore)

4. Firms and Domestic Company : 30% + Education Cess 2% + S.H.E.C 1% (Surcharge 10% if income is more than 1 crore)

5. Banking Cash Transaction Tax has been withdrawn after 31st March 2009.

6. Interest on borrowed capital paid during the previous year for a residential house is deductible upto Rs. 1,50,000 ( One Lakh Fifty Thousand Only ).

Wealth Tax
» 1% of the amount by which net wealth exceeds Rs. 15,00,000/-.

Gift Tax
» No tax if gift is upto Rs. 50,000/- from any person.

Service Tax
» Upto Rs. 10 Lakhs there is no service tax liability.

» The annual turnover limit for obtaining registration has been increased from 7 lakh to 9 lakh w.e.f. 1st April, 2008.

Sales Tax
» C.S.T. Reduced to 2% from 3% w.e.f. Ist June, 2008

Direct Taxes
» Short-term capital gains tax hiked to 15% o Securities Transactions Tax unchanged.

» Threshold exemption limit increased from 1,10,000 to 1,50,000 o Exemption limit for women increased to 1,80,000 o Exemption limit for senior citizens up from 1,95,000 to 2,25,000. New Tax Slabs for Assessment Year 2009-10.

» 1.5 lakh to 3 lakh: 10% o 3 lakh to 5 lakh: 20% o 5 lakh and above: 30% Indirect Taxes.


RAJ Group of Companies
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Services of Raj Financial Services


RAJ Group of Companies



Insurance - Why?
Life Insurance
Due to unfortunate uncertainty in life every one in this world wants to be secured which is natural. Almost each one of us make the plan of Security either this is the matter of Life security or Financial security. Some people believe in former and some people in later one. But the person who believes in Both never faces the problem in life Which is compulsory to run your family life smoothly.

From financial point of view Insurance provides the financial security either you are or you are not there. We offer an array of insurance policies that can be customized to meet your specific needs. These policies range from Individual plans to Group and Employees schemes to Pension plans. We will be glad to provide customized policy consultation.

The usual process is to contact an insurance agent who helps you estimate the policy value and goes ahead and buys the policy on your behalf. So you feel good that you now have a life policy showing how much you worth! Take a step back before you buy that policy. Have you ever considered buying more then one policy value you desire? There are some great gains in doing so. But now time has changed. Now Insurance policies provide not only insurance after you but they provide the investment opportunity also. Where you get the good return on investment and Taxation benefits.

General Insurance
Raj Financial Services provide the services relating to general insurance of vehicles and mediclaim from Reputed Companies like United Insurance Company Limited.

Today insurance companies are not providing the plans of insurance only,they are providing the plans of investment also.For last 10 years insurance sector has changed dramaticly.The private companies are entering into this sector and controlled over the market more than 50%.Government is thinking to allow FDI up to 49% in insurance sector.In short,today insurance sector has changed like mobile which provides all services whatever you want.In the same way, investing in insurance gives you multiple benifits like life insurance,growth of money,medical assistance,income tax benifit etc.In my opinion,insurance must be compulsory in india where the maximum faimlies face the financial problem after the demise or major accident of the earning head of the faimly.It helps in emergency also as and when there is need.The persons who are having the system of investment in insurance are always happy and comfortable in old age.They never feel problems and next generation also learn and follow so that life becomes smoothly.

Tips for Insurance - Investment

Types of Insurance Plans

RAJ Group of Companies These above plans are from Birla Sun Life Insurance Company Limited and are very favorite, worth full and successful.

Children Dream Plan

RAJ Group of CompaniesCDP is a plan which gives the 100% gurantee of your money. This plan gives the insurance to the parents for more amount at lower rate. In case of unfortunate demise of the parents, Insurance amount is paid to the family, and your child will get the amount on maturity of the policy as much as you will decide.







Supreme Life

RAJ Group of Companies In this plan only Rs. 25,000/- ( Rupees Twenty Five Thousand Only ) can be invested for minimum 3 years. This plan gives the opportunity to person age between 8 years to 60 years. In this plan two kind of death benefits can be taken :-
  1. Sum assured + Fund value
  2. The Sum assured increasing by 25% in every five years + Fund value





Gold Plus

RAJ Group of Companies This Gold Plus plan is a unique plan which can be bought by any age of person between 18 years to 70 years. Minimum amount to be paid Rs. 150,000/- in three years ( 50,000 + 50,000 + 50,000 ) and after complition of 8 years your policy will be matured. This plan gives the insurance benefit as well as investment opportunity.







Platinum Plus

RAJ Group of Companies This is very unique plan which is on international concept. In this plan Investment is very safe and guranteed. This plan gives the return on the basis of highest NAV value on any working day during 7 years. Our many clients who invested in this plan are enyoing the very good fund value. This plan can be bought by a person ageing 18 years to 70 years..





Just Ask
Neelam Jain MDRT and other Professionals shall get in touch with you when you mail your query or call us . They shall then personally guide you through the various insurance plans and Investment plans matching your reqirements and recommend the best policy for you.
Neelam Jain MDRT on google search and just dial services.

RAJ Group of Companies


RAJ Group of Companies


RAJ Group of Companies


RAJ Group of Companies


RAJ Group of Companies