MAM
Educational sector to have ad guidelines from 1 December
MUMBAI: The advertising code for the educational sector, prescribed by the Advertising Standards Council of India (Asci), will come into force from 1 December.
Advertisements of educational institutes, coaching classes and educational programmes will be governed by these specific guidelines.
Introducing the draft code two months back, Asci has made ready the final set of guidelines that are to be implemented across the country.
The apex self-regulatory body for advertising content has introduced four sub-clauses into the code, based on the feedback and inputs received from general public and educational institutions.
Some of the suggestions from masses are indicative of real life situations of misleading advertisements. Most of these include ads claiming high ranking, building and infrastructure, students’ testimonials and job placements.
Says Asci chairman Rajiv Dube, “Education is a sector that is critical to the country’s future. We received a number of suggestions and inputs on the draft guidelines, largely from lay citizens and institutes. Such a response reinforced the importance we placed on the education sector and the need to treat it as a special case. We now know that our belief is a major public concern too, and sincerely hope that the code will reduce incidences of wrongful advertising in the education sector.”
Creative agencies have welcomed the guidelines, stating that misleading ads could destroy the careers of youngesters.
Says Leo Burnett chairman and CEO Arvind Sharma, “Asci has a crucial role to play in ensuring that there is fairness and accuracy in these ads. Education sector is one of the top five spenders in FY‘2010. So it is good that we have certain guidelines to check the factuality of these ads.”
The new code prohibits ads claiming comparative ranking of institutes without giving details of the ranking organisation and the date the ranking was published.
A new clause also prohibits display of building or infrastructure from models and computer graphics, requiring institutions to show actual and existing facilities, if the facilities are shown in the ads.
The new code also attempts to clamp down on misleading testimonials of students that may not even have been part of the educational programme, exam or subject. A new clause makes it mandatory for advertisements to give exact details of students giving testimonials.
Similarly, the new code takes another technicality into consideration by asking advertisers to mention total number of students who passed out from the class, whenever they claim an absolute number of students placed in jobs.
The final set of advertising guidelines for educational institutions, among other things, prohibits institutions and programmes from claiming recognition, authorisation, accreditation, or affiliations without providing proper evidence.
The guidelines also require that the name and place of the affiliated institution which provides degrees and diplomas on behalf of the advertiser and which may not be accredited by a mandatory authority, is prominently displayed in the ad.
With the new guidelines, educational institutions will not be able to promise jobs, admissions, job promotions and salary increase, without substantiating such claims and also assuming full responsibility in the same advertisement. The proposed guidelines discourage institutions from claiming success in placements, student compensations, admission to renowned institutes, marks and rankings, and topper student testimonials unless every such claim is substantiated with evidence.
The education sector guidelines take note of the fact that a significant amount of advertising activity is currently happening in the education sector, reflecting the vast variety of educational programs being offered in the country.
Asci quoted the recent Adex report, which said that advertising by educational institutions has gone up by leaps and bounds. Last year’s figures show that 8 per cent of all advertising expenses in print media came from the educational sector. This is a significant increase compared to just a few years ago.
In the recent past, Asci has put out specific guidelines for advertisements in the automobile and food and beverage sectors.
MAM
How does a SIP work for new investors?
Building long-term wealth through compounding is a gradual process. In the early stages, it may feel like your investment corpus isn’t growing significantly. However, over time, the magic of compounding begins to show its effect. Investing requires consistency and perseverance, especially since market fluctuations can test your patience.
Mutual Funds offer a convenient feature called the Systematic Investment Plan (SIP), which allows you to invest a fixed amount at regular intervals, ensuring continuity in your investment journey. SIPs can be tailored to suit any financial goal—short-term, medium-term, or long-term.
What is a Systematic Investment Plan (SIP)?
A SIP is a method of investing in open-ended mutual funds by selecting a fixed amount and a preferred date for investment. You can start with as little as Rs 500 or Rs 250 per month (known as a Choti SIP), with no upper limit. SIPs are flexible—you can pause, modify, or stop them as needed, subject to fund house terms.
Many mutual funds also offer a Top-Up SIP option, allowing you to increase your SIP amount annually by a fixed percentage. This helps you accelerate your savings and reach your financial goals sooner.
How Does a SIP Work?
SIP investing is simple and automated. Once you set up a mandate, the chosen amount is deducted from your registered bank account and invested in the selected fund.
Key Benefits of SIP Investing
• Automated monthly investments
• Benefit from rupee cost averaging during market volatility
• Flexibility to change SIP date, amount, pause or cancel
• No need to time the market
• Participate in both market upsides and downsides
Things to Consider Before Starting Your First SIP
Before starting a SIP:
• Define your financial goals and timeline
• Assess your risk appetite
• Decide on asset allocation (equity, debt, gold, international funds, REITs, etc.)
• Choose suitable mutual funds based on your allocation
• Use SIP calculators to determine the monthly investment needed to reach your goal
Building Wealth the Simple Way
For new investors, SIPs offer a disciplined and convenient way to invest toward life goals. With a wide range of mutual fund schemes available, selecting the right fund is key to building a strong portfolio. If you’re unsure where to begin, consult a financial advisor for guidance.
FAQs
Are SIPs better than one-time investing?
Equity markets tend to be volatile. Hence, SIP offers the benefit of rupee cost averaging. This ensures that you get more units when the markets fall and less units when it rises, thereby averaging the cost per unit of your investment. In fact, SIP may reduce the risk of timing the market so that your investment can benefit from volatile markets.
How does a SIP actually work for new investors?
A SIP works by investing a fixed amount in a mutual fund at regular intervals. Once the mandate is set up, the amount is automatically debited from your bank account and invested in the chosen fund, helping you invest in a disciplined manner without tracking market movements.
Should I pause my SIP when market is falling?
Investing through SIP when markets are falling helps you accumulate more mutual fund units. Every time the market falls, your SIP buys more units. In case of negative returns, the loss you see is only notional, i.e., it will be real if you decide to sell off your holdings. Benefits of a SIP are seen over the long term when you keep investing regularly over different market cycles.
Can SIP investment be stopped and restarted later?
You can pause or stop your SIP at any time, subject to the terms of the fund house. The units you have already invested remain unaffected, and you can restart the SIP later based on your requirements.
How much amount should I invest through SIP?
The SIP amount should reflect your goals. Minimum investment amount to start a SIP may vary across Fund Houses.
What should be the ideal SIP date every month?
You can start a SIP on any day of the month, depending on the available options that vary across fund houses.
How long should I continue my SIP Investment?
Start an SIP with a financial goal in mind like buying a car or higher education of your child. The time to fulfil your financial goal should be the tenure of your SIP.
Can I make changes in my SIP investment later?
You can change the date of debit and frequency, modify the SIP amount, and also pause or stop your SIP, depending on the available options that vary across fund houses.
How do I begin?
Where you invest depends on your risk profile and investment horizon. You should consult a trusted financial advisor who can help you invest to plan for your life goals.
How can I achieve my goals using SIP?
Decide your financial goal and the amount of money you need to achieve it. Then, you can use a SIP calculator to find out the amount you will need to invest regularly to meet your financial goal.
Disclaimer:
1Past performance may or may not be sustained in future and is not a guarantee of any future returns.
Mutual Funds do not have a fixed rate of return and it is not possible to predict the rate of return.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
This is part of an investor education and awareness initiative by PGIM India Mutual Fund.






