How many times dividend are declare in mutual funds ,ELSS , or stocks?

I am a new investor , I wish to ask that how many times dividend are declare annually ( in one year ) in any of the mutual funds , ELSS ,or stocks , also I wish to ask if any of the mutual funds are facing loss so also it will declare the dividend or not , can any one say in very simple example how NAV is calculated , please help me .
please some body give me some more details .

How many General Insurance agencies can one take?

As the question itself suggests, I am looking for taking up General Insurance licence in New Delhi, India. I like Apollo Munich Health insurance, but then they just offer health insurance like other players in the market (Eg. Star Health). I want to have fire insurance, car insurance, etc too. So can I take up ICICI Lombard along with Apollo Munich or Star? Or is it that I can only take up an agency from one insurer just like in the case of Life Insurance.?

Any advice or help would be greatly thanked. 🙂

Why are so many Indian mutual funds giving negative returns over last one month?

If we look at the performance of several Indian mutual funds over last one month, we see that many of them are giving negative returns. Some examples are: HDFC TOP200, UTI dividend yield, Birla sunlife dividend yield plus etc. Can anybody please explein why this is happening? Should an investor be alarmed if he had invested in these funds? What should one do in such a situation?
I am a new investor and feeling depressed to see that market values of all my investments are negative. However I heard someone saying that one should buy more units of good funds right now. Should I follow that?
sorry for misspelling “explain” in first part of the question.
Here are some more details: I am 34 years old, and I have invested in the dividend yield funds solely because of their good history of returns. My aim is to receive good return after say 20 years.