Business Investment Guidance September...

Strictly Confidential. For Team Members’ use only. 1

Branch Channel Business Group Business Investment Guidance September 2015


Good day friends

Welcome to the face to face discussion for the month of September 2015. Two months of the quarter are gone. Two months of the new regime – we have the experience of first sixty days. So the verdict as far as we are concerned right now is that the new regime has started off in a promising manner. Our intention was to increase the overall volumes of the Company. To grow our volumes by 60% every year as we had set the target with each other - 5% each month. We are not yet reaching there. Our volumes are going up but inching up.

Most Important Message from our Vice Chairman and MD’s Office

So, from July to August, the regime has begun to stabilize. We have slightly gone up in volumes but our overall potential, friends, remains much much more. I have certain clear expectations from you and September is the first quarter of the new regime. Hence, in the month of September, I have certain clear expectations. Focus on the basics. Focus on your technique. Focus on discipline.

I have data on my table which shows who are the team members not landing up for appointments fixed by the Client Centre and the number is very high. That is not acceptable. We have to fix basic behavioural discipline issues amongst our colleagues and team members. If a lead is getting generated and it is reaching us, a lot of effort, energy and resources have gone into it. You have to have the discipline. You have to have the patience of going and meeting that client. Whichever product solution it is for because we are now a client centric Company as you know. So the client may start business with NPS but tomorrow with Financial Assessment process, seeing the life-time value of the client, the overall benefit to us will be much much more. We have to see the business that way.


Most Important Message from our Vice Chairman and MD’s OfficeDaily Activity Report. I continue to notice that DAR compliance is about 80%. I wanted it to be 100%. Each and everyone of us has to complete our DAR. It is linked to our attendance. If no DAR, there is no attendance. Please be clear on this. HR may have been relaxed on this in the past but they will not be in future. More than HR, we have to be self-disciplined. Daily Activity Report is our Bible. It is our holy Gita. It is our holy Quran. It give us a tracker on a day-to-day basis - How we are doing in terms of our client activity, who are the clients we have met or we should be meeting. It keeps us on track. It’s a very important tool.

Increasing the number of client meetings. I would like to compliment our South India team who have done exemplary work in increasing the client meetings. Compliments to all of you.

So friends, overall, the Company has done its share of things in terms of the reward structures, in terms of appraisals, in terms of incentives getting cleared. Now it is up to you to adopt the new regime fully with your heart. Press the accelerator, change the gear from fourth gear now go in the fifth gear and make sure you actually drive up the activity level and the volumes and for that one basic talent is required which is the discipline and discipline is a behavioural issue. So behaviour is nothing and nobody can control our behaviour but we “ourselves”. We have to do our own stock taking every day – did I follow all expectations the Company has from me, have I followed it with my full heart and mind that is what we have to ensure as team member of the Company.

Friends, I am counting on you. This new regime is for you. It is for your growth, your career. We have put the step forward. We have extended our hand. We have done whatever we can. Now you have to show us higher volumes, higher performance.

Wish you all the best. Take Care !!!

Rajiv BajajVice Chairman & Managing Director (Please click on link given below to download and view this Face to Face discussion)

http://data.bajajcapital.com/F2F_Sep15.mp4


Index

Topic Page No.

Financial Assessment Solution Recommendations (Goal Based )

5-8

New Additions in September 2015 9

Solution FAQs 10-12

New NFO's in September 2015 13-17

Life Insurance 18-23

General Insurance 24-29

Fixed Income 30-31

JOSHILE Branches 32


360o Financial Assessment Solution Recommendations

Life Insurance

Term PlanProtection:HDFC Click 2 Protect / Kotak Preferred Term Plan/ BSLI Protector Plus/ ICICI i protect

Traditional PlanRetirement:HDFC Personal Pension Plus / Birla Sun life Vision Life Income

Child SolutionBirla Income Assured plan/ ICICI Smart Life/ HDFC Life Youngstar Udaan

Second IncomeHDFC Super Income / Bharti AXA Monthly Income Plan / Bharti AXA Elite Advantage/ Birla Income Assured Plan /Exide Guaranteed Income Insurance Plan / Reliance Increasing Income Plan

Traditional PlanWealth CreationHDFC Sanchay/Kotak Classic Endowment/Exide Life Assured Gain Plus

ULIP PlanWealth CreationBirla Wealth SecureKotak Ace Investment / ICICI Guaranteed Wealth Protector / IDBI Wealthsurance Growth Insurance/ Plan SP / Bharti AXA Future Invest / HDFC Pro Growth Flexi / HDFC SL Crest/ Reliance Classic II/ Exide Life Wealth Maxima

General Insurance

Health Insurance CIGNA Critical Illness Plan Religare JOY/ National Insurance Tailor Made/ L&T Medisure Super Top Up Insurance / Max Bupa - Heart Beat Family First,Health Companion/Apollo Munich-Easy Health,Optima Plus,Optima Restore, Cigna TTK Pro Health Plan

Motor InsuranceFuture Generalli,Reliance General Insurance,Tata – AIG,

Travel InsuranceFuture Generalli / Tata AIG / Bajaj Allianz

Personal AccidentFuture Generalli & TATA AIG

Others InsuranceHome insurance

Fixed Income

Company FDShriram Transport Finance Co Ltd/Shriram City Union Finance Co Ltd/ Mahindra & Mahindra Fin Serv Ltd/ Dewan Housing Finance Ltd/ PNB Housing Finance LtdNational Housing Finance (SUNIDHI SCHEME)/LIC Housing Finance Ltd/ HDFC Ltd/ Bajaj Finance Ltd/ HUDCO

Mutual Funds

Large CapHDFC Top 200 Fund/ Reliance Top 200 Fund/ Tata Pure Equity Fund/ SBI Bluechip Fund/ Kotak 50 Fund/ Birla SL LT Advantage/ UTI Equity Fund / DWS Alpha Equity Fund / JP Morgan India Equity FundELSS SBI Magnum Tax Gain Scheme / Axis Long Term Equity/ DSP BlackRock Taxsaver Fund/ HDFC Long Term Advantage/ HDFC Tax Saver/ Reliance Tax Saver Fund / Tata Tax saving Fund (Dividend)/ UTI Equity Tax Savings Plan / ICICI Pru tax plan / DWS Tax Saving Fund / JP Morgan India Tax AdvantageIncome LT Accrual HDFC Corporate Debt Opportunities Fund/ Templeton India Corporate Bond Opportunities/ Templeton India Income Opportunities Fund/ Birla SL Medium Term Fund/ Birla SL Short Term Opportunities/Reliance regular saving Fund/ Kotak Income Opportunity Fund/ Reliance Corporate Bond Fund / ICICI Corporate BondAsset AllocationFT India Dynamic PE FOF / DSPBR Dynamic Asset Allocation/Axis Triple AdvantageFlexi CapReliance Equity Opportunities Fund/DSPBR Equity Fund/HDFC Equity Fund/ ICICI Pru Dynamic PlanMid CapHDFC Mid cap Opportunities / SBI Emerging Businesses Fund/ Franklin India Prima Fund/ DSPBR Micro-Cap Fund/ Canara Rob Emerging Fund/ Reliance Long Term Equity/Kotak Emerging Fund/ Sundaram SMILE Fund/ UTI Mid CapInfrastructureHDFC Infrastructure FundShort term debt fundTempleton India Short Term Income Plan/ Axis Short Term Fund/ HSBC Income-Short Term PlanValue StyleTATA Equity P/E Fund, ICICI Pru Value DiscoveryMIP'sReliance Monthly Income Plan UTI MIS Advantage PlanBalanceTATA Balanced FundSolutionReliance retirement fund – wealth creation / income generation UTI retirement benefit fund TATA Retirement Saving Fund ( Cons., Mod., Prog.,)


Solutions bifurcation in accordance with clients' goals & time horizonG

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Solutions bifurcation in accordance with clients' goals & time horizon

Goal Solution – Mutual Funds

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Solutions bifurcation in accordance with clients' goals & time horizonGoal Solution – Fixed Deposits

Goal Solution – General Insurance

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New Additions September '2015

Life Insurance

Exide Life Wealth Maxima

NFO SBI Dual Advantage Fund - Series XIUTI Dual Advantage Fixed Term Fund Series II - IIKotak Capital Protection Oriented Scheme - Series 1DSP BlackRock Dual Advantage Fund Series 39 - 36MLIC Nomura MF Dual Advantage Fixed Term Plan Series - 2

For rest of Life Insurance/ General Insurance/ Mutual Fund/ Just Trade details please refer to previous months MIG


CPOF

Q. Why should I consider Capital Protection Oriented Fund (CPOF) for my portfolio?

Ans. 6 basic reasons to recommend CPOFs over other Debt instruments:-

1. Capital Protection : Basic purpose of Debt part of the portfolio is – Capital Protection and at least safest instrument returns

2. Safety : Mandatory rated by reputed rating agencies like – CRISIL, ICRA, etc. & are generally rated AAA(SO)

3. Better return Possibility and higher real returns : Generally they provide returns up to 12-13% annualized & even in worst of the markets may give a return of almost 8.3% annually

4. Diversification: Invest in more than multiple securities in Equity as well as in Debt, thus diversifying the portfolio and risk.

5. Taxation : As per current tax law, these funds are eligible for ‘Indexation benefit’ and their returns are therefore tax efficient.

6. Continued High Interest Rates Benefits for long term : If money is invested only for 1 year at these high yields and next year investor will not get same yields after the maturity – so reinvestment risk!

It is better to lock your investments at current high yields for longer period, at least 3 years

CPO

FSolution FAQ's


Solution FAQ'sEL

SSELSS ELSS is the best “Wealth Creation Vehicle”, which gives you the added advantage like Proper Diversification, Long term Investment and Tax benefits in the form of no capital gain tax and tax free dividend. Hence the persons, who are looking for Wealth Creation and 100% Tax-Benefit, must look towards ELSS. ELSS- An efficient way to create wealth:-

ELSS is a straight way to build your Wealth. We take you through the various benefits of investing in ELSS.

• Close-ended structure ensures "time in the market" rather than "timing the market", a famous quote from Warren Buffet- The 3 year lock-in period in the scheme allows the Fund Manager to take long term calls as he does not have to worry about short term volatility in the equity markets & the liquidity requirements of the investor. The money lies with the Fund Manager for long and as it is well said that 'the longer you stay invested, the better it is' to reap full benefits from equity funds.

• Diversified portfolio structure helps the fund manager build an unbiased Large- medium- small cap portfolio- Diversified equity fund invests across Large Cap, Mid Cap and small cap companies as well as various industries across capitalization. Thus, bringing in the benefit of diversifying risk and return possibility from well spread portfolio.

The secret of diversification is, through investment in established companies it brings respite from volatility in a longer run, whereas mid cap tries to capitalize on the growth potential of future blue chip companies and small cap adds high risk high reward possibility to the portfolio.


Solution FAQ'sEL

SS

This is because, large cap is very less affected one from volatility. Mid caps are enough growth potential to change to blue chip and large cap. Small caps are highly volatile but possibility of profit equally high.

Thus diversified funds equalize the higher return and consistency possibilities added with riding on the market movements.

• Availability of funds for long term helps the fund manager take better sector allocation- Fund Manager can hold to any sector till the theme plays out. Short term, medium term or long term without fearing for large redemption pressure and accordingly carrying a larger baggage of highly-liquid- low- return stocks. They can participate in an infrastructure theme or energy theme for long term fundamental reasons or an IT/Media/pharma theme for short term (momentum) reasons without many worries!

• Regular Income- ELSS provides regular income from tax- free dividends.

• Exempt! Exempt! Exempt!- E (Exempt while investing): Investment under Section 80C (ELSS) E (Exempt any interim Dividend): Dividend Tax free in the hands of investor E (Exempt while redeeming): Long term capital gain tax not applicable for Equity & equity oriented Funds


Running NFOs for the month of September '15 (CPOF Category)

Features of the scheme:

Parameter SBI Dual Advantage Fund - Series XI

Type A Close-Ended Hybrid Scheme

Tenure 1111 Days

NFO Period 8th September 2015 – 22nd September 2015

Asset Allocation 55-95%: Debt and debt related instruments;0-10%: Money Market instruments and5-35%: Equity & Equity related instruments (including equity derivatives)

Plans/Options Growth and Dividend (Dividend Payout & Transfer) Option

Minimum Application Amount Rs. 5,000/- and in multiples of Re. 1/- thereafter

Benchmark Crisil MIP Blended Fund Index

SBI Dual Advantage Fund - Series XI

(Part of MFSC for September ' 2015)



Parameter UTI Dual Advantage Fixed Term Fund Series II - II (1997 Days)

Type Close-Ended Hybrid Scheme

Tenure 1997 Days

NFO Period 1st September 2015 – 15th September 2015

Asset Allocation 65-95%: Debt;0-30%: Money Market instruments and5-35%: Equity & Equity related instruments

Plans/Options Growth and Dividend Payout Option


Benchmark Crisil MIP Blended Fund Index

UTI Dual Advantage Fixed Term Fund Series II - II (1997 Days)




Parameter Kotak Capital Protection Oriented Scheme - Series 1

Type A Close ended capital protection oriented scheme

Tenure 1098 Days

NFO Period 7th September 2015 – 21st September 2015

Asset Allocation 59-100%: Debt & Money Market instruments and 0-41%: Equity & equity related securities


Minimum Application Amount Rs. 5,000/- and in multiples of Rs. 10/- thereafter

Benchmark Crisil Composite Bond Fund Index (80%) and CNX Nifty (20%)

Kotak Capital Protection Oriented Scheme - Series 1




Parameter DSP BlackRock Dual Advantage Fund Series 39 - 36M

Type A close ended income scheme

Tenure 36 Months

NFO Period 7th September 2015 – 29th September 2015

Asset Allocation 80-85%: Non –Convertible Debentures (NCDs) /Bonds; 0-5%: Cash & Cash Equivalent (CBLO/ Reverse Repo) and 15-20%: Equity and equity related securities


Minimum Application Amount Rs. 5,000/- and any amount thereafter.

Benchmark CRISIL MIP Blended Index

DSP BlackRock Dual Advantage Fund Series 39 - 36M




Parameter LIC Nomura MF Dual Advantage Fixed Term Plan Series - 2

Type A close ended income scheme

Tenure 43 Months

NFO Period 10th September 2015 – 24th September 2015

Asset Allocation 65-95%: Debt & Money Market Instruments and 5-35%: Equity & Equity Related instruments



Benchmark CRISIL MIP Blended Index

LIC Nomura MF Dual Advantage Fixed Term Plan Series - 2



Life Insurance


Preferred LI Schemes- MFSC Core











General Insurance


Main Schemes

For Motor Tata - AIG Future Generalli ICICI Lombard

For Health L&T Medisure Super Top Up Insurance Apollo Munich - Easy Health, Optima Restore, Optima Plus Max Bupa - Heartbeat individual/Family Floater, Heartbeat Family First, Health Companion Religare Health

For Travel Tata AIG

Other Schemes

For HealthNational Insurance - Tailor Made PolicyReligare JOYCigna critical illness planCigna TTK Pro Health Plan

For Travel Future Generalli Bajaj Allianz General Insurance

For Personal Accident Tata - AIG Future Generali

MFSC- General Insurance


Cigna TTK has the widest range of sum insured upto Rs 1crore. Its minimum entry age is 91 days for children and 18 years for adults. There is no limit for entry under this plan.

● Worldwide emergency cover● Maternity, new born expenses, vaccination cover● Restoration of sum insured● Health maintenance benefit● Cumulative bonus for no claim-free Health check up at each renewal● Zone Based Premium● Lifetime Renewal● Super Top up available like a base plan

MFSC- General Insurance

Cigna TTK Pro Health Plan

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Pro-Health gives wide range of plans which one can choose as per the needs:-

Pro Health Protect- up to Rs 4.5 lac only

Pro-Healthy Plus-SI (Rs.4.5 lac -10lacs)

Pro-Health Preferred- SI (Rs 10-50Lacs)

Pro-Health Premier-SI up to Rs.1 Cr.

Pro Health variants available

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Enhance your existing sum insured with...Enhance your existing sum insured with...

Cigna TTK Deductible

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Critical Illness insurance is a policy that pays an amount equal to the sum insured upon first diagnosis of a critical illness covered under the policy.

Offers of the plan:Critical Illness Cover for 15 or 30 illnesses as per planMedical Second OpinionAccess to Online Wellness ProgramAccess to Worldwide Netwrok of hospitalsThe Policy is available for a Sum Insured from Rs 1 Lac to 25 Crores.Lifetime renewals Income Tax benefit available under Section 80DFamily Floater option availableAccess to Online Wellness ProgramPolicy can be availed for upto 3 years at ago Discounts avialble for family coverages and long term policy tenure options

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Cigna TTK Critical Care Plan


Fixed Income


Fixed Income – Rated Companies


F.Y. 2015 – 2016: AUGUST 'JOSHILE' Branches

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