Birla Sun Life Insurance Product Portfolio PROJECT Report

8/3/2019 Birla Sun Life Insurance Product Portfolio PROJECT Report

1/55

SYEEI\ T\GO@O@K R\HJICT \IRH\T H@

STYD_ HN R\HDYCT RH\TNHMOHHNLO\MG SY@ MONI O@SY\G@CI CH. MTD

Syleottid Th

Sgfolzgdg Gjot So`kf O`stotyti hn O`nh|egtoh` Ticf`hmhk . \isig|cf

Sissoh`


2/55

\hmm `h 672723


3/55

O {hymd gmsh moai th ivti`d so`ci|i tfg`as th ni{ rihrmi {fh {i|i

`ht rg|t hn hy| r|hjict lyt {otfhyt tfio| fimr tfo`ks {hymd `ht fg~i

lii` gs igs gs tfi {i|i

TFG@A _HY GMM

Ggzge Gldgm &LLG 9tf/


5/55

O`sy|g`ci- o` mg{ g`d ich`heocs- os g nh|e hn |osa

eg`gkiei`t r|oeg|om ysid th fidki gkgo`st tfi |osahn g

ch`to`ki t mhss O`sy|g`ci os dinoìd gs tfi iwyotglmi

t|g`sni| hn tfi |osa hn g mhss- n|he hì i`tot th g`htfi|- o`

ivcfg`ki nh| g r|ieoye G` o`sy|i| os g cherg` simmo`k

tfi o`sy|g`ci Tfi o`sy|g`ci |gti os g ngcth| ysid th

diti|eoì tfi gehy`t- cgmmid tfi r|ieoye- th li cfg|kid

nh| g ci|tgo gehy`t hn o`sy|g`ci ch~i|gki \osa

eg`gkiei`t- tfi r|gctoci hn grr|goso`k g`d ch`t|hmmo k

|osa- fgs i~hm~id gs g dosc|iti noimd hn styd g`d r|gctoci

Tfi i~hmytoh` hn fyeg` lio`ks n|he tfi r|oeh|dogm {omd

stgki th tfi cg~i d{immo`k stgki os `htfo`k lyt tfio| sgkg

hn sig|cf nh| sicy|ot Tfio| wyist nh| sicy|ot os iti|`gm

Moni o`sy|g`ci os g di~oci o`~i`tid l tfie th siia sicy|ot

gkgo`st tfi ehst oerh|tg`t fgzg|ds gkgo st {focf tfi

nhy`d tfiesim~is wyoti fimrmiss Ot {omm `ht li g`

ivgkki|gtoh` th sg tfgt r|hk|iss hn co~omozgtoh` os dyi th

fyeg` lio`ks yì`do`k ry|syot nh| sicy|ot

Moni o`sy|g`ci o` ots ehdi|` nh|e os g {isti|` ch`cirt

Gmtfhykf ot stg|tid tgao`k sfgri so`ci mgst 322 ig|s- ot

cgei th O`dog {otf tfi g||o~gm hn tfi Iy|hrig`s tfi no|st moni

o`sy|g`ci cherg` {gs istglmosfid o` O`dog o` 7676 gs

h|oi`tgm moni o`sy|g`ci cherg` ego`m l Iy|hrig`s th

r|h~odi nh| {odh{s hn Iy|hrig`s Tfi cherg ois tfgt

nhmmh{id ego m cgti|id th Iy|hrig`s g`d cfg|ki ivt|g

r|ieoye h` O`dog`s mo~is Tfi no|st O`dog` cherg`-

o`sy|o`k O`dog` mo~is gt stg`dg|d |gtis- {gs Lhelg eytygm
http://en.wikipedia.org/wiki/Lawhttp://en.wikipedia.org/wiki/Economicshttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Hedge_(finance)http://en.wikipedia.org/wiki/Riskhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Lawhttp://en.wikipedia.org/wiki/Economicshttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Hedge_(finance)http://en.wikipedia.org/wiki/Riskhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_management


6/55

moni o`sy|g`ci cherg`- {focf {gs nh|eid o` 76;2tfos {gs

tfi ig| gmsh {fi` tfi no|st O`sy|g`ci Gct {gs rgssid l

tfi L|otosf rg|mogei`t Tfi ig|s sylsiwyi`t th tfi

S{idosfo Eh~iei`t sg{ tfi iei|ko`k hn si~i|gm o`sy|g`ci

chergòis

Tfi i`d hn tfi ig| 7?99- tfi|i {i|i {i|i

`h`%O`dog` chergòis Tfisi chergòis {i|i `gtoh`gmozid

o` 7?9> g`d l|hykft y`di| hì yel|immg tfi moni o`sy|g`ci

ch|rh|gtoh` hn O`dog- {focf i`jhid eh`hrhm hn moni

o`sy|g`ci lyso iss- tomm gmehst yr th tfi i`d hn ig|


7/55

NY@DGEI@TGM R\O@CORMIS HN

O@SY\G@CI

Shei ysinym ti|es o` O`sy|g`ci:

G/ O@DIE@OT_

G ch`t|gct hn o`sy|g`ci ch`tgo id o` g no|i- eg|o i-

ly|kmg| h| g` htfi| rhmoc ivcirto`k moni gssy|g`ci g`d

ri|sh`gm gccodi`t g`d socaìss o`sy|g`ci/ os g ch`t|gct hn

o`die ot Tfos eig`s tfgt tfi o`sy|id- o` cgsi hn mhss

gkgo`st {focf tfi rhmoc fgs lii` ossyid- sfgmm li rgod tfi

gctygm gehy`t hn mhss `ht ivciido`k tfi gehy`t hn tfi

rhmoc- oi fi sfgmm li nymm o`dieònoid Tfi hljict hn

i~i| ch`t|gct hn o`sy|g`ci os th rmgci tfi o`sy|id o` tfi

sgei no`g`cogm rhsotoh`- gs ìg|m gs rhssolmi- gnti| tfi mhss-

gs on fos mhss fgd `ht tgai` rmgci gt gmm Ot {hymd li gkgo`st

rylmoc rhmoc th gmmh{ g` o`sy|id th egai g r|hnot hyt hn fos

mhss h| dgegki

L/ YTEHST KHHD NGOTF

So`ci o`sy|g`ci sfonts |osa n|he hì rg|t th g`htfi|- ot os

issi`togm tfgt tfi|i eyst li ytehst khhd ngotf g`d eytygm

ch`nodi`ci lit{ii` tfi o`sy|id g`d tfi o`sy|i| O` g

ch`t|gct hn o`sy|g`ci tfi o`sy|id a`h{s eh|i glhyt tfi

syljict egtti| hn tfi ch`t|gct tfg` tfi o`sy|i|

Ch`siwyi`tm- fi os dyt lhy`d th doscmhsi gccy|gtim gmm

egti|ogm ngcts g`d `htfo`k sfhymd li {otffimd h| ch`cigmid

G` ngct os egti|ogm- {focf khis th tfi |hht hn tfi ch`t|gct

hn o`sy|g`ci g`d fgs g lig|o`k h` tfi |osa o`~hm~id Ot os


8/55

h`m {fi` tfi o`sy|i| a`h{s tfi {fhmi t|ytf tfgt fi os o` g

rhsotoh` th jydki

&g/ [fitfi| fi sfhymd gccirt tfi |osa g`d

&l/ [fgt r|ieoye fi sfhymd cfg|ki

On tfgt {i|i sh- tfi o`sy|id eokft li tiertid th l|o`k glhyt

tfi i~i`t o`sy|id gkgo`st o` h|di| th kit ehì

C/ O`sy|glmi O`ti|ist % G ch`t|gct hn o`sy|g`ci gnnictid

{otfhyt o`sy|glmi o`ti|ist os ~hod Ot eig`s tfgt tfi o`sy|id

eyst fg~i g` gctygm ricyòg| o`ti|ist g`d `ht g ei|i

g`voit h| si`toei`tgm o`ti|ist o` tfi syljict egtti| hn tfi

o`sy|g`ci Tfi o`sy|id eyst li sh sotygtid {otf |ikg|d th

tfi tfo`k o`sy|id tfgt fi {hymd fg~i liìnot l ots ivosti`ci

g`d mhss n|he ots dist|yctoh` Tfi h{ì| hn g sfor |y` g |osa

hn mhso`k fos sfor- tfi cfg|ti|i| hn tfi sfor |y`s g |osa hn

mhso`k fos n|iokft g`d tfi h{ì| hn tfi cg|kh o`cy|s tfi |osa

hn mhso`k fos khhds g`d r|hnot Sh- gmm tfisi ri|sh`s fg~i

sheitfo`k gt stgai g`d gmm hn tfie fg~i o`sy|glmi o`ti|ist

Ot os tfi ivosti`ci hn o`sy|glmi o`ti|ist o` g ch`t|gct hn

o`sy|g`ci- {focf dosto`kyosfis ot n|he g ei|i {gti|o k

gk|iiei`t

D/ Cgysg R|hvoeg % Tfi |ymi hn cgysg r|hvoeg eig`s tfgt

tfi cgysi hn tfi mhss eyst li r|hvoegti h| oeeidogti g`d

`ht |iehti On tfi r|hvoegti cgysi hn tfi mhss os g ri|om


9/55

o`sy|id gkgo`st- tfi o`sy|id cg` |ich~i| [fi` g mhss fgs

lii` l|hykft glhyt l t{h h|

eh|i cgysis- tfi wyistoh` g|osis gs th {focf os tfi cgysg

r|hvoeg- gmtfhykf tfi |isymt chymd `ht fg~i fgrriìd

{otfhyt tfi |iehti cgysi Lyt on tfi mhss os l|hykft glhyt

l g` cgysi gtt|olytglmi th tfi eosch`dyct hn tfi o`sy|id-

tfi o`sy|i| os `ht moglmi

I/ \osa% O` g ch`t|gct hn o`sy|g`ci tfi o`sy|i| y`di|tgais

th r|htict tfi o`sy|id n|he g sriconoid mhss g`d tfi o`sy|i|

|icio~i g r|ieoye nh| |y`ò`k tfi |osa hn sycf mhss Tfys-

|osa eyst gttgcf th g rhmoc

N/ Eotokgtoh` hn Mhss % O` tfi i~i`t hn shei eosfgr th tfi

o`sy|id r|hri|t- tfi o`sy|id eyst tgai gmm ìcissg| stirs

th eotokgti h| eoòeozi tfi mhss- jyst gs g` r|ydi`t ri|sh`

{hymd dh o` tfhsi co|cyestg`cis On fi dhis `ht dh sh- tfi

o`sy|i| cg` g~hod tfi rgei`t hn mhss gtt|olytglmi th fos

ìkmoki`ci Lyt ot eyst li |ieieli|id tfgt tfhykf tfi

o`sy|id os lhy`d th dh fos list nh| fos o`sy|i|- fi os- `ht

lhy`d th dh sh gt tfi |osa hn fos moni

K/ Syl|hkgtoh` % Tfi dhct|o i hn syl|hkgtoh` os g

ch|hmmg| th tfi r|o`cormi hn o`dieòt g`d grrmois h`m th

no|i g`d eg|oì o`sy|g`ci Gcch|do`k th ot- {fi` g` o`sy|id

fgs |icio~id nymm o`dieòt o` |isrict hn fos mhss- gmm |okfts

g`d |ieidois {focf fi fgs gkgo`st


10/55

Tfo|d ri|sh` {omm rgss h` th tfi o sy|i| g`d {omm li

ivi|cosid nh| fos liìnot y`tom fi &tfi o`sy|i|/ |ichyrs tfi

gehy`t fi fgs rgod y`di| tfi rhmoc Ot eyst li cmg|onoid

fi|i tfgt tfi

O`sy|i|s |okft hn syl|hkgtoh` g|osis h`m {fi` fi fgs rgod

nh| tfi mhss nh| {focf fi os moglmi y`di| tfi rhmoc g`d tfos

|okft ivti`ds h`m th tfi |okfts g`d |ieidois g~gomglmi th

tfi o`sy|id o` |isrict hn tfi tfo`k th {focf tfi ch`t|gct hn

o`sy|g`ci |imgtis

F/ Ch`t|olytoh` % [fi|i tfi|i g|i t{h h| eh|i o`sy|g`ci

h` hì |osa- tfi r|o`cormi hn ch`t|olytoh` cheis o`th rmg

Tfi goe hn ch`t|olytoh` os th dost|olyti tfi gctygm gehy`t hn

mhss geh`k tfi donni|i`t o`sy|i|s {fh g|i moglmi nh| tfi

sgei |osa y`di| donni|i`t rhmocois o` |isrict hn tfi sgei

syljict egtti| G` hì o`sy|i| eg rg th tfi o`sy|id tfi

nymm gehy`t hn tfi mhss ch~i|id l tfi rhmoc g`d tfi`

lichei i`totmid th ch`t|olytoh` n|he fos ch%o sy|i|s o`

r|hrh|toh` th tfi gehy`t {focf igcf fgs y`di|tgai` th rg

o` cgsi hn mhss hn tfi sgei syljict%egtti|

O` htfi| {h|ds- tfi |okft hn ch`t|olytoh` g|osis {fi`

7/ Tfi|i g|i donni|i`t rhmocois- {focf |imgti th tfi sgei

syljict egtti|


11/55

4/ Hì hn tfi o`sy|i|s fgs rgod th tfi o`sy|id eh|i tfg`

fos sfg|i hn tfi mhss

Moni O`sy|g`ci Rhmoc os g nh|e hn sicy|ot nh| tfi ri|sh`

{fh o`sy|is fos moni g`d fos ngeom Moni o`sy|g`ci rhmocois

fg~i fimrid t|gdi g`d htfi| ich`heoc gcto~otois th nmhy|osf

o` g k|igt eg`ì| Ot fgs kiì|gtid mhts hn jhl hrrh|tyòtois

Ot os mhhaid yrh` gs g myc|gto~i cg|ii| hrtoh Moni

o`sy|g`ci chergòis fg~i gmsh i`ti|id tfi o`ti|`gtoh`gm

lysoìss sci`g|oh

Tfi nhmmh{o`k |igsh`s sylstg`togti {f g moni

o`sy|g`ci rhmoc sfhymd li tgai`:

G/ Ig|m Digtfs

Tfi eh|tgmot |gti os ivri|oi`co`k g dicmo o`k t|i`d o`

eg` rg|ts hn tfi {h|md Fh{i~i| ot os gmsh oerh|tg`t th

`hti tfgt tfi gki gt {focf Rihrmi doi os gmsh i~i|

dic|igso`k Shei |igsh`s nh| tfos o`cmydi y`figmtf mo~o`k

stmi- st|iss- rhmmytoh`- g`d shei `gty|gm cgmgeotois Tfosìcissotgtis rihrmi th egai gdiwygti eigsy|is th oimd

o`chei nh| tfio| ngeom g`d diri`di`ts Tfos chymd li g

si|ohys ch`ci|` on tfi o`sy|id fgrri`s th li tfi shmi

l|igd{o`ì| Shei o`do~odygms sii tfos gs g` hrtoh` th rmg`

tfio| |ito|iei`t
http://www.thriftyscot.com/life-insurance/http://www.thriftyscot.com/life-insurance/


12/55


13/55

fyki gehy t on ot os oeri|gto~i o` eiito`k g` y|ki`t

ivri sis g`d fi dhis `ht fg~i gmti|`gto~i shy|cis nh|

no`g`ci Moni o`sy|g`ci chergòis tfi|inh|i dh tfi ìidnym

th ch`syei|s

D/ Tgv Ch`cissoh`s

O`chei tgv ch`cissoh`s g|i g~gomglmi th o`do~odygms g`d

ch|rh|gti fhysis tfgt gdhrt o`sy|g`ci rhmocois Eg` fg~i

lii` egao`k o`~istei`ts o` O`sy|g`ci {otf tfi shmi goe hn

i`jho`k tgv liìnots Tfos `gty|gmm o`c|igsis sri`do`k

rh{i| So ci tfi o`~istei`ts o`c|igsis tfi ich`heoc

gcto~otois o` tfi chy`t| gythegtocgmm o`c|igsis

ÔSOH@

Th li g {h|md cmgss r|h~odi| hnno`g`cogm sicy|ot th o`do~odygms g`dch|rh|gtis g`d th li geh`kst tfi

thr tf|ii r|o~gti sicth|s monio`sy|g`ci chergòis o` O`dog.


14/55

EOSSOH@

Th li tfi no|st r|ini|i`ci hn hy|cysthei|s l r|h~odo`k o``h~gto~i-

ìid lgsid moni o`sy|g`ci g`d|ito|iei`t shmytoh`s th o`do~odygms

gs {imm gs ch|rh|gtis. Tfisishmytoh`s {omm li egdi g~gomglmi l{imm%t|goìd r|hnissoh`gms tf|hykf

g eymto cfg`ìm dost|olytoh`ìt{h|a g`dSyri|oh| ticf`hmhk.

Hy| i`dig~h| {omm li th r|h~odich`stg`t ~gmyi gddotoh` th

cysthei|s tf|hykfhyt tfio||imgtoh`sfor {otf ys- {otfo` tfi

|ikymgth| n|gei{h|a.[i {omm r|h~odi cg|ii|

di~imhrei`t hrrh|tyòtois th hy|iermhiis g`d

Tfi fokfist rhssolmi |ity|`s th hy|sfg|ifhmdi|s.

^GMYIS

O`tik|ot: Fhìst oì~i| gctoh`.

Cheeotei`t: Dimo~i|h` tfi r|heosi


15/55

Rgssoh`: Iì|kozidgctoh`

Sigemissìss:Lhy`dg| miss o` mitti| sro|ot

Sriid: Hì stirgfigd gm{gs

CHERG@_ R\HNOMI

Lo|mg Sy` Moni G Cheo`k Thkitfi| Hn ^gmyis

Lo|mg Sy` Moni os g jho`t ~i`ty|i lit{ii` Tfi Gdotg

Lo|mg K|hyr- hì hn tfi mg|kist lysoìss fhysi o` O`dog g`d

Sy` Moni No`g`cogm O`c.- g migdo k O`ti| gtoh`gm No`g`cogm

Si|~ocis H|kgòzgtoh` Tfi mhcgm a`h{midki hn tfi Gdotg

Lo|mg K|hyr cheloìd {otf tfi ivri|tosi hn Sy` Moni

No`g`cogm O`c hnni|s g nh|eodglmi r|htictoh` nh| hy| nyty|i

Tfi Gdotg Lo|mg K|hyr os mid l ots cfgo|eg`% E| Ayeg|

Eg`kmge Lo|mg Tfi K|hyr fgs h~i| 66222 iermhiis

gc|hss gmm ots yòts {h|md{odi Shei hn tfi ai

h|kgòzgtoh`s {otf tfi k|hyr g|i Fo`dgmch- K|gsoe- Gdotg

Lo|mg @y~h- itc

Tfi k|hyr os O`dog+s migdo`k lysoìss fhysi {otf g `yeli|

hn ai h|kgòzgtoh`s Tfisi g|i gs nhmmh{s:


17/55

3 Moni O sy|g`ci

Lo|mg Sy` Moni O`sy|g`ci ch mtd. os tfi Moni%O`sy|g`ci

g|e hn Lo|mg%Sy` Moni

Lo|mg Sy` Moni O`sy|g`ci o` ots ; syccissnym ig|s hn

hri|gtoh`s fgs ch`t|olytid sokònocg`tm th tfi k|h{tf g`d

di~imhrei`t hn moni o`sy|g`ci o`dyst| o` O`dog Ot

rohìi|id tfi mgy`cf hn Yòt Moàid Moni O`sy|g`ci rmg`s

geh`kst tfi r|o~gti rmgi|s o` O`dog Ot {gs tfi no|st rmgi|

o` tfi o`dyst| th simm ots rhmocois tf|hykf tfi

Lg`cgssy|g`ci |hyti g`d tf|hykf tfi O`ti|ìt Ot {gs tfi

no|st r|o~gti sicth| rmgi| th o`t|hdyci g Ry|i Ti|e rmg` o`

tfi O`dog` eg|ait Tfos {gs syrrh|tid l sgmis r|gctocis-

{focf l|hykft g dik|ii hn t|g`srg|i`c tfgt {gs i`to|im

ì{ th tfi eg|ait Tfi r|hciss hn kitto`k sgmis ommyst|gtoh`s

sokìd l cysthei|s- hnni|o`k g n|ii mhha ri|ohd h` gmm

rhmocois- {focf g|i `h{ o`dyst| stg`dg|ds {i|i o`t|hdycid

l LSMO Lio`k g cysthei| ci`t|oc cherg`- LSMO fgs

ch~i|id eh|i tfg` g eommoh` mo~is so`ci o`cirtoh` g`d ots

cysthei| lgsi os sr|igd gc|hss eh|i tfg` 7222 th{`s g`d

cotois o` O`dog Gmm tfos fgs gssostid tfi cherg`

o` ciei`to`k ots rmgci geh`kst tfi migdi|s o` tfi o`dyst| o`

ti|es hn ì{ lysoìss r|ieoye o`chei Tfi cherg` fgs

g cgrotgm lgsi hn eh|i tfg` \s>;< c|h|is

Eg` H@Is {otf Lo|mg Sy` Moni O`sy|g`ci:


18/55

LSMO os g cherg` tfgt fgs g ~i| yòwyi ch`t|olytoh` o`

tfi fosth| hn O`sy|g`ci sicth| Tfi cherg` `ht h`m fgs

~g|o`k rmg`s g`d ny`ds- |gtfi| gmsh os g rohìi| o` eg`

gsricts Tfisi rohìi|o`k nigty|is hn LSMO g|i gs nhmmh{s:

7. N|ii Mhha Ri|ohd: LSMO hnni|s ots rhmocfhmdi|s

{otf g n|ii mhha ri|ohd hn 79 dgs Cmoi`t kits

n|iidhe th fg~i g` o`%dirtf mhha h~i| gmm tfi ti|es

g`d ch`dotoh`s |ikg|do`k fos(fi| moni%o sy|g`ci

rhmoc On fi no`ds rhmoc `ht {h|tf hrto`k nh|- fi

cg` gmsh |ity|` tfi rhmoc- lyt gt LSMO- ch rihrmi

i`sy|is tfos `ht th fgrri`


19/55

eytygm%ny`d fhmdi| kits yòts YMORs hnni| eg|ait%

moàid |ity|`s th rhmocfhmdi|s

9. Sgmis Ommyst|gtoh`s: LSMO os tfi no|st cherg` th

o`t|hdyci Sgmis Ommyst|gtoh`s o` tfi O`sy|g`ci

O`dyst| Sgmis rihrmi hn LSMO ko~i dieh`st|gtoh`s

hn ny`d

>. Ri|nh|eg`ci h` t{h rho`ts hn r|hjictoh`s oi h` >)

g`d 72) @h{ O\DG fgs gmsh egdi ot eg`dgth| th

fg~i sgmis ommyst|gtoh`s

LSMOs fgs mgy`cfid Ci`ty| SOR- g yòwyi sstiegtoc

o`~istei`t rmg` hnni|o`k g` hrrh|tyòt th c|igti {igmtf

{otf gs mottmi gs \s 7222 ri| eh`tf rmys g moni o`sy|g`ci

ch~i| hn yr th 722 toeis tfi eh`tfm o`stgmmei`t

Tfos rmg` cheis gmh`k {otf n|ii ti|e o`sy|g`cinh| g`

o`do~odygm yr th 99 ig|s hn gki

Tfi moni o`sy|g`ci ch~i| cheis gt `h ivt|g chst th tfi

o`~isth| Tfi ch~i| os fgssmi n|ii Tfi o`~isth| ìid `ht kh

tf|y g` eidogm tist th g~gom hn tfi moni ch~i| Gmm g`

o`~isth| ìids th dh os i`|hmm nh| CSOR . sok` g

Dicmg|gtoh` hn Khhd Figmtf O` cgsi hn y`nh|ty`gti

dieosi hn o`~isth| tfi o`sy|g`ci cmgoe {omm li do|ictm rgod

th tfi `heoìi l tfi o`sy|g`ci cherg` &Lo|mg Sy` Moni

O`sy|g`ci Cherg`/
http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146


20/55

G``hy`co`k tfi mgy`cf hn Ci`ty| SOR- Gòm Ayeg|- CIH-

g`d Lo|mg Sy` Moni EN sgod-

Tfos hnni|o`k thycfis gmm gsricts hn g` o`~isth|s no`g`cogm

rmg`ò`k ìids [i {osf th i`chy|gki tfi o`~istei`t fglot

geh`k o`~isth|s l r|h~odo`k tfie moni o`sy|g`ci ch~i|

O`sy|g`ci ch~i| th tfi o`~isth| {hymd ch`to`yi i~i` gnti|

tfi SORs eoòeye egty|ot ti`h| hn 3 ig|s G`

o`do~odygm lit{ii` 76 th 4> ig|s hn gki ego`~isto` tfos

rmg` O`~istei`t o` tfos rmg` eg li egdi tf|hykf

Imict|hòc cmig|o`k sstie &ICS/- do|ict dilots h| rhst

dgtid cfiwyis

;. Htfi|s: Shei htfi| H@Is {otf LSMO g|i:

7st th ossyi dgom @G^s hn ny`ds nh| litti|t|g`srg|i`c

7st th fg~i g dosto`ct C\OSOM li`cfeg|a

7st th doscmhsi rh|tnhmoh h` g eh`tfm lgsos

Rhmocfhmdi|s cg` ~oi{ tfio| rhmoc ditgomsh`mo i1 tfi cg` li gccissid n|he LSMO

{ilsoti yso`k hy| yòwyi rgss{h|d
http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146


21/55

Hyt hn i~i| 722 cmgoes o`toegtid th LSMO?6 dgs

Sgmis R|hcidy|i hn O`sy|g`ci o` LSMO:

LSMO i`sy|is tfgt ots rhmocfhmdi|s kit tfi list hyt hn tfi

rhmoc hnni|id th tfie l tfio| Gd~osh|s Nh| tfos- LSMO

nhmmh{s g sit r|hcidy|i hn simmo`k O`sy|g`ci th tfi cmoi`ts

Tfi sgmis r|hcidy|i cg` li dogk|geegtocgmm r|isi`tid gs

nhmmh{s:


22/55

Tfos r|hcidy|i cg` li stirrid dh{` gs nhmmh{s:

7. Rotcfo`k tfi cysthei|: Tfi no|st g`d nh|iehst tfo`k os

tfgt- cmoi`t sfhymd li |igd th ry|cfgsi tfi O`sy|g`ci rmg`

O`sy|g`ci os `ht g ~i| r|ini|glmi r|hdyct it o` O`dog G`d-

tfys- ch fgs th li ~i| ~okomg`t Gd~osh|s- gt LSMO-

ego tgo` |imgtoh`sfors g`d egai tfi ehst hn tfio|

Khhd{omm O`sy|g`ci os g \imgtoh`sfor h|oi tid lysoìss

Aiiro`k tfos o` eo`d LSMO gmsh oòtogtid Lg`cgssy|g`ci-

{fi|i Lgàs oegki hn lio`k mhgm th tfi cysthei|s- rmgs

SYSRICTO@K

R\HSRICTO@K

GRRHO@TEI@T

NO\ST SGMIS CGMM

NHMMH[ YRS

SGMIS CMHSID

HNNOCI [H\A


23/55

g egjh| |hmi o` rotcfo`k tfi cysthei| th ly O`sy|g`ci

LSMO ysis nhmmh{o`k |hytis nh| dost|olyto`k tfio| R|hdyct th

kiì|gm rylmoc:

g Do|ict Ri|sh`gm Ch`tgcts &tf|hykf Gd~osh|s/

l Lg`cgssy|g`ci &tf|hykf Lgàs/

c Ri|sh`gm \imgtoh`s &tf|hykf ch iermhiis/

d Ivosto`k Rhmocfhmdi|s

)

g`d 72) r|hjictoh`s On cmoi`t no`d tfisi r|hjictid |ity|`s

syotglmi th fos(fi| |osa r|hnomi- fi kh nh| ry|cfgso`k tfi

rhmoc

3. R|hrhsgm Nh|e : @h{ gs cmoi`t os |igd th kit

o`sy|id- gd~osh| ko~is foe tfi r|hrhsgm nh|e g`d

gsas nh| gmm tfi dhcyei`ts |iwyo|id R|hrhsgm nh|e

os g 4 rgki dhcyei`t tfgt ch`tgo`s gmm tfi ìcissg|

o`nh|egtoh` |imgtid th tfi O`sy|id g`d tfi H{ì| hn

tfi rhmoc Dhcyei`ts |iwyo|id gmh`k {otf tfi

r|hrhsgm nh|e g|i:

Dgti%Hn%Lo|tf R|hhn

Gdd|iss . OD R|hhn

O`chei Ci|tonocgti

Eidocgm Ci|tonocgtis &h m on O`sy|i| os g si oh|

cotozi`/


24/55

4 Gnti| Sgmis Si|~oci : @h{ gnti| tfi O`sy|g`ci os

shmd- nhmmh{%yrs g|i |iwyo|id Gd~osh| ìids th

ego`tgo` khhd |imgtoh`s {otf tfi rhmocfhmdi|

O`sy|g`ci ch cg`

Kiì|gti ny|tfi| lysoìss- h`m on- ivosto`k

rhmocfhmdi|s g|i sgtosnoid {otf tfi si|~ocis lio k

r|h~odid l tfi gd~osh| hn tfi ch Tfys- LSMO aiirs

tfos o` eo`d g`d Lysoìss Di~imhrei t Ivicyto~is

ch`to`yhysm t|gca tfi ìids hn tfi rhmocfhmdi|s LSMO

r|h~odis tfi rhmocfhmdi|s {otf eh`tfm yrdgtis hn tfi

ny`d ri|nh|eg`ci g`d

gmsh doscmhsis tfi gssit rh|tnhmoh hn tfi ny`d Tfos gssosts

tfi rhmocfhmdi|s th eg`gki tfio| rhmoc gcch|do`k th tfio|

|osa r|hnomi Tfi cg`- tfys- cfg`ki tfio| ny`d gmmhcgtoh` gs

{imm gs tfi gssit gmmhcgtoh` o` g` ny`d- cfhsi` l tfie

CHERG@_ R\HDYCTS (

RMG@S

Gmm tfi rmg`s gsshcogtid {otf LSMO g|i Yòt Moàid Rmg`s

Nmivo Rmg`s

Nmivo Rmg`s fg~i tf|ii ~g|og`ts Tfisi ~g|og`ts g|i:

7 Nmivo Sg~i Rmys &I`dh{ei`t Rmg /


25/55

Tfos os g Yòt Moàid Rmg` {otf kyg|g`tiid

|ity|`s

R|h~odis nmivolomot {otf Thr%Yr Ngcomot

Nh| Wyg|ti|m ehdgm r|ieoye miss tfg`

\s9222- rgei`t cg` li egdi tf|hykf ICS

Rhmocfhmdi| cg` gttgcf |odi|s th tfi rmg`

gcch|do`k th fos(fi| ìids

Mowyodot o` tfi nh|e hn Rg|togm {otfd|g{gms

Tf|ii O`~istei`t Ny`d hrtoh`s g|i g~gomglmi

{otf tfi rhmoc g`d rhmocfhmdi| os n|ii th s{otcf

lit{ii` ny`ds g`toei dy|o`k tfi ti`y|i hn tfi

rhmoc

Tfi Sye Gssy|id eg li o`c|igsid h`ci o`

i~i| 9 rhmoc ig|s- stg|to`k n|he tfi >tf rhmoc

ig|

R|ieoye cg` li rgod g``ygmm- sieo%

g``ygmm- wyg|ti|m g`d eh`tfm

R|ieoye O`~istid: Chmmictid R|ieoye os o`~istid o` tf|ii

O`~istei`t Ny`d Hrtoh`s Tfisi ny`ds g|i:

7 R|hticth|


26/55


27/55

3 Digtf Liìnots :

Gki gt toei hn

DigtfDigtf Liìnots

32 dgs th 7 ig| Ny`d ^gmyi H`m

Gki 7 _ig| th >2

_ig|

Fokfi| hn Sye Gssy|id miss gmm rg|togm {otfd|g{gms egdi o` 2

_ig|s

Fokfi| hn Sye Gssy|id miss gmm rg|togm {otfd|g{gms egdi so`ci

tfi moni o`sy|id gttgoìd tfi gki 96 h| tfi ny`d ~gmyi h| tfi

kyg|g`tiid ny`d ~gmyi

Cfg|kis:

7 Eh|tgmot Cfg|kis : Tfisi cfg|kis g|i didyctid l

cg`cimo`k yòts h` g eh`tfm lgsos gt tfi r|i~gomo`k

@G^ Tfi g``ygm eh|tgmot cfg|kis ri| 7222 sye

gssy|id nh| sgermi gkis g|i gs nhmmh{s:

Gki 2

Egmi 727

>

77;

7

77>

3

7>9

;

423

2

72>>2


28/55

isricogmm gt g toei {fi` tfi ìid nh| ngeom r|htictoh`

|idycis sokònocg`tm

Nigty|is:

Tfi rmg` os g yòt moàid- `h`%rg|tocorgto`k rmg`

Tfos rmg` fgs tfi hrtoh` hn si~i`%o`~istei`t ny`d

{otf tfi nmivolomot th gmmhcgti tfi r|ieoyes o`

~g|o`k r|hrh|toh`s o`th tfi donni|i`t Ny`d Hrtoh`

Thr yr ngcomot os tfi|i Tfi eoòeye gehy`t hn

thr yrs os 72222

Tfi rmg` hnni|s ny|tfi| liìnots o` tfi nh|e hn

gddotoh`gm yòts- {focf {omm li gddid th tfi Ny`d

~gmyi gt tfi i`d hn tfi 72tf rhmoc ig|

Tfi|i os fokf mowyodot o` tfi nh|e hn Rg|togm

[otfd|g{gms g`d Sy||i`di| Liìnots

Digtf Liìnots- {focf {omm li fokfi| hn tfi Ny`d

~gmyi h| Sye Gssy|id- |idycid l tfi grrmocglmi

rg|togm {otfd|g{gms

Imokolomot:

I`t| Gki:

Eoòeye: 32 dgs nh| 2 ig|s

Nh| 2 ig|s

Dy|gtoh`:

Eoòeye: 72 ig|s


29/55

Egvoeye: ;2 ig|s &gssyeo`k {fhmi moni th

li 722 ig|s/

Egty|ot Gki: ;2 ig|s nh| tfi ti|e% 72-


30/55

chermitid rhmoc ig|s

Fh{i~i|- on tfi rhmoc os sy||i`di|id {otfo` 3 ig|s

n|he o`cirtoh`- tfi sy||i`di| ~gmyi os rgod gnti| tfi

chermitoh` hn tfi tfo|d rhmoc g`ò~i|sg|

4 Digtf Liìnots :

Limh{ 9 ig|s: On tfi digtf hn tfi moni

o`sy|id tgai rmgci linh|i 9 ig|s- h`m tfi

ny`d ~gmyi sfgmm li rgglmi th tfi rhmoch{ì|

Lit{ii` 9 th >2 ig|s: Fokfi| hn tfi ny`d

~gmyi h| tfi sye gssy|id miss gmm grrmocglmi

rg|togm {otfd|g{gms egdi o` tfi mgst 2 ig|s g`d Glh~i: Fokfi| hn tfi ny`d

~gmyi h| tfi sye gssy|id miss gmm grrmocglmi

rg|togm {otfd|g{gms egdi so ci tfi moni

o`sy|id gttgoìd tfi gki hn 96

9 Egty|ot Liìnots : H` egty|ot hn tfi rhmoc- tfi

ny`d ~gmyi os rgglmi Y`di| tfi {fhmi moni hrtoh`-


31/55

h` egty|ot hn tfi rhmoc- {fi` tfi moni o`sy|id

gttgo`s tfi gki hn 722- tfi` ny`d ~gmyi os rgglmi

g`d tfi rhmoc {omm li ti|eo`gtid

> Tgv Liìnots : Tgv liìnots h` r|ieoye rgei`t g|i

kh~i|ìd l sictoh` 62C hn tfi O`chei Tgv Gct

7?>7 Tgv Iviertoh`s h` tfi gehy`t |icio~id h`

egty|ot o` tfi y`nh|ty`gti i~i`t hn digtf g`d tfi

{otfd|g{gms g|i kh~i|ìd l sictoh` 72&72D/

; Gddotoh` hn \odi|s : Rhmoc fhmdi| cg` cystheozi tfi

rmg` l gddo`k g` hn tfi nhmmh{o`k > |odi|s:

7 Gccodi`tgm Digtf . Doseieli|ei`t \odi|

[go~i| hn R|ieoye \odi|

Cfg|kis:

7 R|ieoye Gmmhcgtoh` Cfg|kis : Tfisi cfg|kis dy|o k

tfi r|ieoye rgo`k ti|e g|i gs y`di|:

Rhmoc _ig| 7 < h| 3 Tfi|ignti|

Cfg|ki 73) 4)


32/55

7222 hn tfi Sye gt |osa nh| sgermi gkis g|i gs

nhmmh{s:

Gki 9

Niegmi 72< 447 79?3 3772 69;7

3 Ny`d Eg`gkiei`t Cfg|ki : Tfos os cfg|kid l

gdjystei`t hn tfi dgom @G^s Tfi cfg|ki os:

7) rg nh| Gssy|i- R|hticth|- Lyomdi| g`d

I`fg`ci| Ny`d 772 g`d tfi

eo`oeye cfg|ki os 222

9 Sy||i`di| Cfg|ki : Tfisi cfg|kis g|i mi~oid gs tfi

ri|ci tgki hn tfi g``ygm moni o`sy|g`ci ch~i|gki

R|ieoye rgglmi Cfg|kis g|i gs nhmmh{s:

Rhmoc _ig| 7 < 3 4 9 > ;!


33/55

Sy||i`di|

Cfg|ki32) ) @OM

> \odi| R|ieoye Cfg|ki : On tfi |odi|s g|i gttgcfid-

tfos cfg|ki {omm li |igmozid l cg`cimmgtoh` hn yòts

h` g eh`tfm lgsos lgsid h` tfi iwyo~gmi`t eh`tfm

|odi| ch~i|gki r|ieoye rgglmi- {fi` |odi|

ch~i|gki rgei`t ri|ohd iwygms tfi |odi| ch~i|gki

liìnot ri|ohd

Khmd Rmys OO Rmg`

Tfi rmg` ko~is eycf eh|i tfg` g khhd o`sy|g`ci ch~i|- g`

hrrh|tyòt th k|h{ o`~istei`t nh| tfi eidoye ti|e Ot os

{h|tf eh|i tfg` Khmd

Nigty|is:

Ot os g Yòt Moàid- @h %Rg|tocorgto k- O`sy|g`ci

rmg`

Dy|gtoh` hn rmg` os 6 ig|s

R|ieoye rgo`k ti|e hn 3 ig|s {otf tfi nmivolomot

th |idyci r|ieoye yr th \s 72222 n|he tfi sich`d

rhmoc ig|

Rmg` gmsh fgs Thr%yr ngcomot

Mowyodot o` tfi nh|e hn Rg|togm [otfd|g{gms g`d

Sy||i`di| Liìnots

Rmg` fgs ; ny`d hrtoh`s


34/55

N|ii y moeotid ny`d s{otcfo`k g`d r|ieoye

|ido|ictoh`

Imokolomot:

I`t| Gki: 76 th ;2 ig|s

Eoòeye R|ieoye: \s92222

Eoòeye sye Gssy|id: 9 v G``ygm R|ieoye

R|ieoye O`~istei`t: R|ieoye chmmictid os gmmhcgtid o`

~g|o k r|hrh|toh`s o` si~i` o`~istei t ny`d hrtoh s

Rhmocfhmdi| cg` s{otcf lit{ii` tfi ny`d hrtoh`s g`toei

dy|o k tfi ti`y|i hn tfi rhmoc Tfi si~i` O`~istei`t

Ny`ds g~gomglmi g|i:

7 Gssy|i

Egkònoi|

; Egvoeosi|

Liìnots:

7 Egty|ot Liìnots :

H` egty|ot ny`d ~gmyi {omm li rgod th tfi

rhmocfhmdi|


35/55

&l/ Sye Gssy|id |idycid nh| rg|togm {otfd|g{gm

gs nhmmh{s:

Linh|i tfi moni o`sy|id gttgo`s tfi

gki hn >2- tfi sye gssy|id rgglmi

h` digtf os |idycid l rg|togm

{otfd|g{gms egdi o` tfi

r|iciido`k ig|s

H`ci tfi Moni O`sy|id gttgo`s tfi

gki hn >2- tfi Sye Gssy|id

rgglmi h` digtf os |idycid l gmm

rg|togm {otfd|g{gms egdi n|he gki

96 h`{g|ds

3 Tgv Liìnots :

Rhmocfhmdi| os imokolmi nh| tgv liìnots Y(S 62C g`d

Y(S 72&72D/ hn tfi O`chei Tgv Gct 7?>7

Y(S 62C% R|ieoye yr th \s722222 os

gmmh{id gs didyctoh` n|he tgvglmi o`chei

igcf ig|

Y(S 72&72D/ % Tfi Liìnots |icio~id y`di|

rmg` g|i iviertid n|he tgv

Cfg|kis:

7 R|ieoye Gmmhcgtoh` Cfg|kis:

Ot os didyctid n|he r|ieoye {fi` |icio~id g`d

linh|i gmmhcgtoh` hn yòts

Rhmocy _ig|s


36/55

Rhmocy

Cfg|kis 7 < 3 4!

H` Rhmocy

R|ieoe 6) 4) 4)

H` thr%r

R|ieoe


37/55

4 Eh|tgmot Cfg|kis : Tfisi cfg|kis g|i didyctid h` g

eh`tfm lgsos Tfisi cfg|kis g|i tgai` l cg`cimo`k

y`ots r|hrh|toh`gtim n|he igcf hn tfi o`~istei`t

ny`ds gt tfgt toei Tfi g``ygm |gti ri| 7222 hn Sye

Gssy|id miss ny`d ~gmyi nh| sgermi gkis g|i:

Gki 9

Niegmi 72< 447 79?3 3772 69;7

9 Sy||i`di| Cfg|kis :

Tfisi cfg|kis g|i grrmoid {fi` tfi rhmocfhmdi|

sy||i`di| tfio| rhmoc o` tfi no|st 3 rhmoc ig|s Tfi

sy||i`di| cfg|ki gs g ri|ci`tgki hn tfi g``ygm

rhmoc r|ieoye cfhsi` gt ossyi os

Rhmocy

Cfg|kis

Rhmocy _ig|s

7 < 3 4!

S||i`di|

Cfg|kis79) 7


38/55

Tfi rmg` hnni|s eh|i r|htictoh` hn ehì gt

syr|ieim mh{ chst

R|h~odis {otf Syr|iei Gccodi`tgm TRD &Thtgm

Ri|egì`t Dosglomot/

Rhmocfhmdi| kits n|iidhe th cfhhsi r|ieoye

gehy`t gs mh{ gs \s O`~istei`t Ny`d Hrtoh`s

Tfi rmg` os nmivolmi gs ot r|h~odis tfi rhmocfhmdi|

{otf Thr%Yr R|ieoye ngcomot th i`sy|i ngsti|

k|h{tf o` tfi Ny`d ^gmyi

Rg|togm [otfd|g{gms- g|i gmmh{id- gnti| 3 ig|s th

eiit mowyodot ìids hn tfi rhmocfhmdi|

Dy|gtoh`:

Rhmoc Ti|e : 72- 79-


39/55

Dhylmi Digtf Liìnots oi Digtf Liìnots5 Sye Gssy|id !

Sg~o`ks

O`c|igso`k Digtf liìnots oi Digtf

Liìnot5 Sye Gssy|id !


40/55

4 Ny`d Eg`gkiei`t Cfg|kis :

Tfisi cfg|kis g|i 7 7


42/55

)- 73) g`d 72) nh| rhmoc ig| 7- \i~o~gm Cfg|ki : Tfi cfg|ki nh| rhmoc

|i~o~gm os \s 722%7222 ri| |i~o~gm

NY@DS L_ LSMO

Lo|mg Sy` Moni O`sy|g`ci- g migdo`k Moni O`sy|g`ci

cherg`- hnni|s ots cmoi`ts {otf g mh`k |g`ki hn Ny`ds

Tfisi ny`ds g|i disokìd th cgti| th g ~g|oit hn ìids hn

rihrmi {fh g|i n|he donni|i`t moni stgkis LSMO hnni|s g

l|hgd |g`ki hn 7< ny`ds- igcf fg~o`k donni|o`k gssit

gmmhcgtoh`s

7< ny`ds hnni|id g|i:

7 O`do~odygm R|hticth|

O`do~odygm I`fg`ci|

; O`do~odygm Moni Egvoeosi|

6 O`do~odygm Egkònoi|

? O`do~odygm Eymtormoi|

72 Ri`soh` @hy|osf

77 Ri`soh` I`|ocf

7


44/55

Gssit Gmmhcgtoh` os dicodid l tfi Ny`d Eg`gki|s hn tfi

cherg` Tfisi ny`d eg`gki|s ch`to`yhysm t|gcas tfi

eh~iei`ts hn ~hmgtomi eg|ait g`d cheloì tfos ~hmgtomot

{otf tfi ny`d |iwyo|iei ts hn tfi rhmocfhmdi|s

Gcch|do`km fi dicodis gmmhcgtoh` hn gssits o` 9 egjh|

o`~istei`t hrtoh`s:

Kh~i|èi`t Sicy|otois

Ch|rh|gti Dilt

Sicy|otozid Dilt

Iwyot

Ehì Eg|ait O`st|yei`ts

R|hrh|toh` hn gmmhcgto`k tfi ny`d o` tfisi hrtoh s- ~g|

gcch|do k th tfi ìids g`d ny`d |iwyo|iei ts hn

rhmocfhmdi|s Tfi ehst oerh|tg`t tfo`k th li `htocid fi|i

os tfgt tfos rh|tnhmoh os dicodid- lgsid h` tfi |ikymgtoh`s hn

O\DG Ri|nh|eg`cis hn tfisi ny`ds g|i |gtid l tfi |gto`k

gki`c%C\OSOM

Gmm tfi 7< ny`ds l LSMO g|i disc|olid limh{ gmh`k {otf

tfio| |isricto~i Gssit Gmmhcgtoh`s

O`do~odygm Gssy|i

Hljicto~i: Tfi r|oeg| hljicto~i hn tfos ny`d os th r|h~odi

Cgrotgm R|htictoh`- gt g fokf mi~im hn sgnit g`d mowyodot


45/55

tf|hykf jydocohys o`~istei`ts o` fokf wygmot sfh|t%ti|e

dilt

St|gtik: Kiì|gti litti| |ity|` {otf mh{ mi~im hn |osa

tf|hykf o`~istei t o`th novid o`ti|ist sicy|otois fg~o k

sfh|t%ti|e egty|ot r|hnomi

Gssit Gmmhcgtoh`:

SICY\OTOIS FHMDO@K

Ch|rh|gti Dilt 9?9;)

Ehì Eg|ait O`st|yei`ts 7;?;)

THTGM 722.22)

FHMDO@K

9?.9;)

7;.?;)

722.22)

Ch|rh|gti Dilt

Ehìy Eg|ait

O`st|ei`ts

THTGM

O`do~odygm Lgmg`ci|


46/55

Hljicto~i: Tfi hljicto~i hn tfos ny`d os th gcfoi~i ~gmyi

c|igtoh` hn tfi rhmocfhmdi| gt g` g~i|gki |osa mi~im h~i|

eidoye th mh`k%ti|e ri|ohd

St|gtik: Tfi st|gtik os th o`~ist r|idheo`g`tm o` dilt

sicy|otois {otf g` gddotoh`gm ivrhsy|i th iwyot-

ego`tgo`o`k eidoye ti|e dy|gtoh` r|hnomi hn tfi rh|tnhmoh

Gssit Gmmhcgtoh`:

SICY\OTOIS FHMDO@KS

Kh~i|`ei`t Sicy|otois 72>;)

Ch|rh|gti Dilt 3?24)

Iwyot ;)

3?.24)


47/55

Hljicto~i: Tfos ny`d hrtoh` os disokìd th lyomd tfi cgrotgm

g`d th kiì|gti litti| |ity|`s gt ehdi|gti mi~im hn |osa- h~i|

g eidoye h| mh`k%ti|e ri|ohd tf|hykf g lgmg`ci hn

o`~istei`t o` iwyot g`d dilt

St|gtik: Kiì|gti litti| |ity|` {otf ehdi|gti mi~im hn |osa

tf|hykf gcto~i eg`gkiei`t hn novid o`chei rh|tnhmoh g`d

nhcys h` c|igto k mh`k ti|e iwyot rh|tnhmoh {focf {omm

i`fg`ci oimd hn cherhsoti rh|tnhmoh {otf mh{ mi~im hn |osa

grritoti

Gssit Gmmhcgtoh`:

SICY\OTOIS FHMDO@KS

Kh~i|èi`t Sicy|otois 73?2)

Ch|rh|gti Dilt 4947)

Iwyot 76>3)

Ehì Eg|ait O`st|yei`ts 3)


48/55

Ri`soh` I`|ocf

Hljicto~i: Fimrs th k|h{ tfi cgrotgm tf|hykf i`fg`cid

|ity|`s h~i| g eidoye th mh`k%ti|e ri|ohd tf|hykf

o`~istei`ts o` iwyot g`d dilt o`st|yei`ts- tfi|il

r|h~odo`k g khhd lgmg`ci lit{ii` |osa g`d |ity|`

St|gtik: Th ig|` cgrotgm grr|icogtoh` l ego tgoò k

do~i|sonoid iwyot rh|tnhmoh g`d siia th ig|` |ikymg| |ity|`

h` novid o`chei rh|tnhmoh l gcto~i eg`gkiei`t |isymto`ko` {igmtf c|igtoh` nh| rhmocfhmdi|s

Gssit Gmmhcgtoh`:

SICY\OTOIS FHMDO@KS

Kh~i|èi`t Sicy|otois 7439)

Ch|rh|gti Dilt 3?42)

Iwyot 3?)

Ehì Eg|ait O`st|yei`ts 739;)

THTGM 722.22)


49/55

F H MD O@

7 4 . 3 9

3 ? . 4 23 < . > ?

7 3 . 9 ;

K h~i|` e i` t

C h |r h |g t i D

I w o ty

E h` iy E g |a

CH@CMYSOH@

E t|goò`k {gs g ~i| i`|ocfo`k ivri|oi`ci nh| ei- O fg~i

mig|`t sh eg` tfo`ks- g`d o kht o`sokft o`th tfi o`sy|g`ci

{h|mdO`sy|g`ci sicth| thdg rmgo`k g egjh| |hmi o`

i~i|hìs moni mht eh|i tfg` i~i| linh|i moni cy||i`tm

tfi|i os g cher|ifi`so~i |g`ki hn r|hdycts ch~i|o`k igcf

tri hn rhmoc g~gomglmi o` tfi eg|ait O fg~i stydoid

~g|ohys o`sy|g`ci rmg`s ch~i|id y`di| LSMO- g`d tfio|

nigty|is LSMO gmsh ko~is ~g|ohys \odi|s- {focf r|h~odis

ivt|g liìnots th tfi cysthei|s G`d o cgei th a`h{ glhyt


50/55

tfi rohìi|o`k nigty|is hn LSMO- moai sgmis r|hcidy|i- SOR-

itc

[fomi ehst o`sy|g`ci rmg`s lmhca ehì nh| ci|tgo` ri|ohd

hn toei- g LSMO rmg` ko~is tfi dhylmi liìnot hn moni

o`sy|g`ci gmh`k {otf igs mowyodot tf|hykf myer sye

cgsf

Lo|mg Sy` Moni O`sy|g`ci &LSMO/- hì hn tfi mg|kist r|o~gti

moni o`sy|i|s- os kig|o`k otsimn th tgai gd~g`tgki hn tfi ~gst

|y|gm hrrh|tyòt tfgt fgs hriìd yr gs g |isymt hn tfi

|i~osid dinoòtoh` hn |y|gm g|igs l tfi O\DG H~i| tfi mgst

nhy| ig|s- LSMO fgs rgo`stgao`km lyomt ots |y|gm

o`n|gst|ycty|i th c|igti g chst%innicto~i dost|olytoh`

ìt{h|a gc|hss tfi chy`t|

E t|goò`k kg~i ei ch|rh|gti ivrhsy|i- g`d fimrid o`

oer|h~o`k e cheeyòcgtoh` saomms O mig|`t th digm {otf

cysthei|s- o egdi tfie g{g|i glhyt ~g|ohys rmg`s- g`d

tfio| |isricto~i nigty|is- i~i` fimrid tfie th simict tfi

list rmg` gs ri| tfio| |iwyo|iei`ts

\ICHEEI@DGTOH@S


51/55

7 Cheritotoh` n|he rylmoc sicth| g`d nh|iok` lgàs |iego`s g

ai cfgmmi`ki nh| r|o~gti sicth| lgàs Tfi ìid th |ih|oi`t

tfio| stgnn g`d innicto~im ytomozi ticf`hmhk rmgtnh|es th |itgo`

cysthei|s

Tfi sfhymd r|h~odi eh|i o`nh|egtoh` th tfi cysthei| sh tfgt

tfi lichei eh|i g{g|i glhyt o`sy|g`ci

LOLMOHK\GRF_

7. {{{lo|mgsy`moniche Dgtid 73(;(72 Toei 3:32

(72

> {{{khhkmiche

;. {{{.{oaoridog.che
http://www.paisawaisa.com/LifeInsurance%20Dated%2013/7/10%20Time%204:00http://www.google.com/http://www.wikipedia.com/http://www.paisawaisa.com/LifeInsurance%20Dated%2013/7/10%20Time%204:00http://www.google.com/http://www.wikipedia.com/


52/55

G@@IVY\I

7. Dh hy egai o`~istei`ts8

G._is

L.@h


53/55

9. Fh{ dod hy cgei th a`h{ glhyt ot8

G @i{srgri|sL. H`mo`i

C. Ri|sh`gm \ini|i`ci

D. Htfi|

>. [fgt gssits dh hy h{`8

G. Ri|sh`gm fhysi

L.Cg|

C.C|idot cg|d

;. [fi|i {hymd hy moai th o`~ist8

G. Eytygm Ny`d

L.Sthcas

C.\igm istgti

D.O`sy|g`ci


54/55

6. [fgt {hymd y moai th o`sy|i8

G. ^ifocmiL.Moni o`sy|g`ci

?. [focf o`sy|g`ci rmg` hn LSMO g|i

hy o`ti|istid o`8

G.Sg|gm Jii~g`

L.Khmd Rmys OO

C.Rmgto`ye Rmys

D.Cmgssoc Moni R|ieoi|

72. Fh{ dh hy |gti hy| rmg`s8

G. G~i|gki

L. Khhd

C. Ivcimmi`t


55/55

Date post:	06-Apr-2018
Category:	Documents
Upload:	aazam
View:	221 times
Download:	0 times

Birla Sun Life Insurance Product Portfolio PROJECT Report

Documents