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Contents

  1. 1 RECRUITMENT SERVICES - FOR RECRUITER AS WELL AS CANDIDATE
    1. 1.1 Read this first
    2. 1.2 Dear Recruiter - do you want to view or download traditional resumes ( word or pdf or rtf files) and also get these resumes by mail immediately?
    3. 1.3 Dear Recruiter - do you want to view excel resumes ( which you can filter by any kind of permutation and combination) - you will also be able to get them by mail and SMS immediately) 
    4. 1.4 Dear Recruiter, add/post/modify your job details yourselves, so that candidates can immediately use them
    5. 1.5 Dear Candidate, do you want to view the latest jobs available ?You will then be able to click and apply for that job immediately
    6. 1.6 Dear Candidate, can you give your resume to us by filling a form ? This will help you get a "Form Resume"
    7. 1.7 Dear Candidate, do you want to get your own  dot eLakshya excel file at eLakshya. This will help you get a Dynamic Resume
  2. 2 FINANCIAL PLANNING SERVICES-INDIVIDUAL CALCULATOR EXCEL FILES-PREMIUMS ETC
    1. 2.1 Read this first
    2. 2.2 Loans of all kinds
    3. 2.3  Financial Concepts
    4. 2.4  Two-wheeler Vehicle Insurance
    5. 2.5  Three-wheeler Vehicle Insurance
    6. 2.6 Four-wheeler Vehicle Insurance for Private, Self-driven Vehicles
    7. 2.7  Four-wheeler Vehicle Insurance for Commercial Vehicles ( upto 6 passengers - eg Taxis, Indicabs etc)
    8. 2.8  Other Vehicle Insurance Calculators
    9. 2.9  Vehicle Insurance for Goods Carrying Vehicles
    10. 2.10  All kinds of vehicle insurance in one calculator
    11. 2.11  Generic Health calculators
    12. 2.12  Savings and Investments
    13. 2.13  Calculators for Debt Mutual Funds, Fixed Maturity Plans, Growth and Dividend Options
    14. 2.14  Generic calculators for Retirement, Annuity and Life-Insurance
    15. 2.15  Life Insurance Premium Calculators for various companies and products ( ICICI Prudential Life, Bajaj Allianz Life, Metlife)
    16. 2.16  Mediclaim and Health-Related Calculators
    17. 2.17 Income Tax Calculators
    18. 2.18  Travel Insurance Calculators
    19. 2.19  Home Insurance Calculators
  3. 3 MEGA COMPARISON TOOL - COMPARE & CHOOSE HEALTH INSURANCE,TRAVEL INSURANCE,MUTUAL FUNDS
    1. 3.1  Read this first
    2. 3.2 Compare and choose Health Insurance
    3. 3.3  Compare and choose Travel InsuranceThis excel sheet contains the entire apple-to-apple comparisons of various products from 6 Travel Insurance companies - Apollo Munich, Star Health Insurance, Future Generali, Reliance General,  HDFC Ergo and Tata AIG General InsurancePlease click here
    4. 3.4  Compare and choose Mutual Funds


RECRUITMENT SERVICES - FOR RECRUITER AS WELL AS CANDIDATE

Read this first


1. The easier you are able to access information, the better it is. So, very consciously, we have avoided the need for anyone to "REGISTER" and fill lengthy forms etc. Rather, you can use your gmail id wherever there is a need. Otherwise, you can use our database without registering at all !

2. We have four kinds of resumes : 
A - "Traditional resumes" which candidates submit in word or pdf formats. While these are comprehensive, it is difficult to a recruiter to easily sort and filter them. These resumes are identified by a unique "email id" for each candidate. We have roughly 15000 such resumes in our datbase, and it keeps growing daily as well.
B - "Form resumes" - where the candidates submit forms. These forms are converted to an excel sheet, and recruiters can easily sort and filter based on their criteria, and select the candidates. These resumes are identified by a "resume number", which is in the format "EL-0055" or similar.
C - "Dynamic Resumes" - These resumes come from our Dot eLakshya files ( for more information about Dot eLakshya, click here). The biggest advantage of these kind of resumes is that the candidate can, throughout his/her career, keep updating various details eg : latest job particulars ( Of course, some details like age, no of years of work experience etc NEED NOT be updated by the candidate,. but get updated automatically). We are shortly bringing out the section on these resumes
D - "Video Resumes" - We are slowly building up our video resume database, and have about 150 such resumes as of now


Dear Recruiter - do you want to view or download traditional resumes ( word or pdf or rtf files) and also get these resumes by mail immediately?


- Text or Word resumes: We keep getting resumes by the dozens every day, both by mail as well as those uploaded to the site, mainly as word or pdf files.As soon as any resume is uploaded into our site, it is immediately made available to you with our "sync" tool, to help you get the latest resumes. You may sort and filter this excel file based on your requirement. We have hidden the contact details, but we have a tool which does the following : Once you click on the resume record which you are interested in, the following actions are automatically triggered :
The resume is sent to you by email immediately
The candidate's contact details are SMSed to you automatically
The candidate also gets notified in his/her mailbox that you are interested in his/her profile, plus receives an SMS from us.
We at eLakshya get a mail about your interest in the candidate, and hence shall be happy to further coordinate between the two parties.
As of now, there is no need for login id / password to obtain the resumes. However, if this feature is misused, we might need to rethink our "open" policy.
- We are also in the process of building a good collection of video resumes / video profiles of candidates.



Dear Recruiter - do you want to view excel resumes ( which you can filter by any kind of permutation and combination) - you will also be able to get them by mail and SMS immediately) 


- Excel resumes :  We are slowly moving our candidates to fill an excel form directly, which has their entire resume, but in an excel format. We feel that this is better than the traditional kind, since it helps you sort or filter the resumes in any way that you may want. Some advantages of this method - The excel sheet also gives the exact time when the candidate entered his/her details. In case you set some trigger criteria with our help, as soon as a candidate exactly matching your requirement enters the information, an email or an SMS is automatically sent to you. The excel sheet has a superior in-built sort/filter mechanism to assist you better. The resume does not get outdated, since it automatically changes dates in order to reflect the age and experience as of today. The candidate also gets a unique reference number ( listed on the right) which we can use.

Here again, once you click on the resume record that you are interested in, the following actions are automatically triggered :
The entire resume (contents of the record in the excel sheet)  is sent to you by email immediately
The candidate's contact details are SMSed to you automatically
The candidate also gets notified in his/her mailbox that you are interested in his/her profile, plus receives an SMS from us.
We at eLakshya get a mail about your interest in the candidate, and hence shall be happy to further coordinate between the two parties. 

As of now, there is no need for login id / password to obtain the resumes. However, if this feature is misused, we might need to rethink our "open" policy.

Dear Recruiter, add/post/modify your job details yourselves, so that candidates can immediately use them


- Please feel free to edit / add / modify this excel sheet. We shall be happy to give access to your gmail id for editing this sheet. A small request - do not disturb the job postings of other companies.



Dear Candidate, do you want to view the latest jobs available ?You will then be able to click and apply for that job immediately


We have given free access to our recruiters to use this excel file, which means that the latest jobs available with all details, are displayed in the same. Just like a recruiter filters and selects, the same way you can also filter and see if any job matches your aspirations. If so, please feel free to call us or apply online.

For applying for any of these jobs, please remember that you must have already given us your "Traditional Resume" or your "Form Resume" or must be having your "Dynamic Resume".

Dear Candidate, can you give your resume to us by filling a form ? This will help you get a "Form Resume"


You may always upload a resume file to us ( you can click here for the same). But for reasons given above, we prefer if you can fill up your resume on a form and submit to us. Going forward, this would be the most convenient method for everyone.

Dear Candidate, do you want to get your own  dot eLakshya excel file at eLakshya. This will help you get a Dynamic Resume


Such a file has thousands of advantages ( click here for more information on dot eLakshya). In the context of your job and career aspirations, you will be able to receive alerts when the job exactly matching your profile will come directly by mail / SMS. You will also be able to update your resume on a real-time basis with us. Please call us for the same.



FINANCIAL PLANNING SERVICES-INDIVIDUAL CALCULATOR EXCEL FILES-PREMIUMS ETC


Read this first


Whenever you visit "interactive" websites, you can see a "tools" or "calculators" section ( especially for financial services sites). At the end of the day, all of them are mere excel sheets (hidden from your view) which throw up results. In this page, we have embedded the excel sheets themselves, so please feel free to use them. We will keep adding such calculators on a regular basis

Instructions : Please find the full list below. When the excel sheet opens,"click to edit" button is on the right. Click the same to work on the file. You may enter your values in the the RED colour cells. The results will be displayed in the BLUE colour cells. The headings are given in the YELLOW colour cells (You will only be able to change the contents in the RED colour cells). Please also read the instructions given in the excel sheet itself.

You may view the results online. Alternately, if you want to download the excel sheet in your computer for storing, click on the file name ( far right at the top).

Loans of all kinds


Amortisation schedule (split up between Principal portion and Interest portion  over the period of repayment): click here

 Financial Concepts


Net Present Value and IRR ( Internal Rate of Return) Calculators : Click here
Real Rate of Return vs Inflation : Click here

 Two-wheeler Vehicle Insurance


2-wheeler insurance by HDFC Ergo General Insurance : Click here
2-wheeler insurance by Future Generali General Insurance : Click here
2-wheeler insurance by Tata AIG General Insurance : Click here


 Three-wheeler Vehicle Insurance


3-to-6 Wheeler Goods Carrying Vehicle : Click here (nd)
Normal 3-wheeler insurance : Click here ( nd)
3-to-4-wheeler Commercial Vehicle Insurance : Click here ( nd)
Another 3-to-4-wheeler Commercial Vehicle Insurance : Click here (nd)

Four-wheeler Vehicle Insurance for Private, Self-driven Vehicles


4-wheeler Insurance by Tata AIG General Insurance: Click here
4-wheeler Insurance by Future Generali General Insurance : Click here
4-wheeler Insurance by HDFC Ergo General Insurance : Click here


 Four-wheeler Vehicle Insurance for Commercial Vehicles ( upto 6 passengers - eg Taxis, Indicabs etc)


Calculator of Future Generali General Insurance - for 3-wheelers and 4-wheelers : Click here

 Other Vehicle Insurance Calculators


All calculators for HDFC Ergo other than Pvt car and 2-wheeler : Click here
All calculators for Tata AIG other than Pvt car and 2-wheeler : Click here


 Vehicle Insurance for Goods Carrying Vehicles


Motor Insurance for Goods Carrying Vehicles by Future Generali General Insurance : Click here

 All kinds of vehicle insurance in one calculator


From Reliance General Insurance : All kinds of vehicles ( 2 wheeler, private cars, commercial goods carrying and commercial passenger carrying vehicles). Click here

 Generic Health calculators


Body Mass Index ( determines risk to heart and life) : Click here

 Savings and Investments


A SIP growth calculator ( how your money compounds when you do a Systematic Monthly Investment) : Click here
A Financial Freedom calculator : Click here
How your money multiplies : Click here
Starting early vs Starting Later : Click here
Your Net Worth : Click here
Planning for your Children's Education : Click here
General Budget Planner : Click here
Calculator on Savings, Investments and Inflation ( Must-try !) : Click here

 Calculators for Debt Mutual Funds, Fixed Maturity Plans, Growth and Dividend Options


Calculation for a Debt Fund ( Growth option) : Click here
Calculation for a Debt Fund ( Dividend option) : Click here
Different kinds of calculations for FMPs : Click here or here or here or here or here or here or here or here

Shop-keeper Insurance Calculators

Shop-Keeper Insurance by Future Generali : Click here

 Generic calculators for Retirement, Annuity and Life-Insurance


Needs Analysis and Human Life Value Calculation : Click here
Human Life Value Calculator ( second version) : Click here
Retirement Benefit Planning : Click here
Retirement Case Study - a Calculator : Click here
Annuity Calculator for your Retirement : Click here
Retirement Benefit Planning ( second version) : Click here

 Life Insurance Premium Calculators for various companies and products ( ICICI Prudential Life, Bajaj Allianz Life, Metlife)


Cashgain, a Money-back product from Bajaj Allianz : Click here
Childgain, a Children's plan from Bajaj Allianz : Click here
Riskcare, a Term Insurance plan from Bajaj Allianz : Click here
Family Care First, a Health Insurance plan from Bajaj Allianz : Click here
Super Saver, a traditional endowment plan from Bajaj Allianz : Click here

Lifetime Premia, a ULIP Plan from ICICI Prudential Life : Click here

 Mediclaim and Health-Related Calculators


Health Insurance Calculator by Apollo Munich Company ( for all scenarios and products) : Click here
Health Insurance Calculator for Star Health Insurance ( for all scenarios and all Health Products) : Click here
Health Insurance Calculator for HDFC Ergo Gen Insurance ( for all scenarios and products) : Click here

Income Tax Calculators


IT calculator for 10-11 (financial year 10-11 and Assessment Year 11-12) : Click here
IT calculator for 09-10 ( financial year 09-10 and Assessment Year 10-11) : Click here
IT calculator for 08-09 (financial year 08-09 and Assessment Year 09-10) : Click here
IT calculator for 07-08 ( financial year 07-08 and Assessment Year 08-09) : Click here
IT calculator for 06-07 ( financial year 06-07 and Assessment Year 07-08) : Click here

 Travel Insurance Calculators


Travel Insurance Calculator by Future Generali General Insurance Co : Click here
Travel Insurance Calculator by Star Health Insurance Co : Click here

 Home Insurance Calculators


Home Insurance Calculator for Future Generali : Click here
Calculator for Home Insurance : Click here



MEGA COMPARISON TOOL - COMPARE & CHOOSE HEALTH INSURANCE,TRAVEL INSURANCE,MUTUAL FUNDS


 Read this first


1. Financial Products sometimes are quite complex, not because they are difficult to understand, but because they have several "fine-print" material, which overwhelms the average investor. One needs to go through each and every line of the brochure and/or the policy document to understand in entirety.

2. For the benefit of our customers, we have made a sincere effort to break down each product into pieces ( or specifications). For example, the specifications in Health Insurance could be :
Till what age will i be covered ( assuming that i keep on renewing?)
What is the load on my premium if there is a claim ?
What is the extent of ICU charges in the hospital that will be borne ?
Does the policy offer cover in case of outpatient treatment ?
Does the policy have pharmaceutical benefits ( ie medicine purchase)? etc etc

We are happy to present to you a complete "apple-to-apple" comparison across lots of  health insurance companies, travel insurance companies, Mutual Funds and their products. We offer all these products, so we shall be even more happy to enable you to purchase them based on your needs and requirements.

Compare and choose Health Insurance


All of us know to use excel sheets ; given here is just an excel sheet with "filters". Please tick the filters that you want, in order to make the "apple-to-apple" comparison.

Compare and choose Health Insurance

The excel files below are actually huge database with premium amounts, product specifications, names of the companies etc. It is quite self-explanatory when you open it. Just remember to use the "filter" effectively, and tick all the parameters applicable to you. For example, if you are aged 27 and if you want to filter based on age, you will need to open the filter in the "Age" column and click all the places which contains your age : eg : "27", "0.4-30", "1-35", 26-45" and so on.

You can continue filtering as much as you want, before you reach the result you want. If you want to repeat the filtering exercise from the beginning, just refresh the page !

This excel sheet contains comparisons of various products from 8 health insurance companies - Apollo Munich, Star Health Insurance, Future Generali, Reliance General, HDFC Ergo, Bajaj Allianz Life, ICICI Prudential Life and Max Bupa Health

 Compare and choose Travel Insurance

This excel sheet contains the entire apple-to-apple comparisons of various products from 6 Travel Insurance companies - Apollo Munich, Star Health Insurance, Future Generali, Reliance General,  HDFC Ergo and Tata AIG General Insurance


 Compare and choose Mutual Funds


Among all our technology initiatives, we believe that the product given below is one of the best. We present before you the complete REAL-TIME comparison of all the Indian Mutual Funds. For example, some of the parameters are "performance in last one month", "performance in last 3 months", "performance in last five years", "size of fund among peer group" etc. We have ranked them as per top 25 % of peer group to bottom 25 % of peer group. You may filter based on your preference and see for yourself who are the best !!!

Please click here