Posted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month.th th
R.N.I. NO. : MAHENG/2001/5593POSTAL REGD. NO. : Tech–47/1416/MBI/09-11
QUALITY INVESTMENT UNDER ONE ROOF July - 2011PRICE Rs. 1/-Volume - X Issue - 7
PUBLICATION
Pages : 6For Private Circulation Only II OM SHRI SAI RAM II
Dear Investor,
We are happy to announce, That we have shifted our Office from LokhandwalaComplex, Andheri (West), Mumbai-400 053 to Same floor & Same Bldg. For your convenience we have
shifted on a bigger space to cater & more over personnel touch which has been ourCore Competency Year On Year (YOY). This wouldn't have been possible without each one of your support. We
each one of you to the bottom of our heart. Please do visit our website : - . You canlogin into Mutual Fund Portfolio Tracker for Tracking On-Line Mutual Fund Portfolio. On the website one can see Topfund/Dividend History/ Can download the forms/Can have NFO update/Fund Facts/ updated NAV. You can just click on differentICON on the basis of the different needs. We value your
Every Investor must have an policy to keep his portfolio in Don't let market moods swing yourfocus, invest with a clear goal in mind. Your may not be willing to take on risk based on your mental make up but would have todo so given your Financial situation. Studies suggest that given the choice of choosing higher risk investmentwith a better pay offer lowering ones most investors are willing to take on higher levels of risk to meet theirFinancial goals.
Happy to Serve you best.
Thanking You in advance for an expeditious response we receive.
Please provide us your so that we can give you the User Name & Password for you to enable you to access yourMutual Fund Portfolio on-line.
Office No. 02, 1 Floor, RNA Arcade,Office No. 22,
Best quality, Best 'Service', Best adviseThank &
Appreciate www.guptainvestments.com
Suggestion / Feed back and your queries.
Asset Allocation perspective.
(Like Equities)Financial goals,
Further to this we, at Looking at the Popular demand fromInvestor. We are starting towards General Insurance though it is a vast concept but we will cater only towards HealthSuraksha / Critical illness from HDFC ERGO only. For further detail contact.
Note : Email ID,All the very Best……. Good Luck !
st
Gupta Investments (Quality Investments Under One Roof)
Office No. 22, 1st Floor, R.N.A. Shopping Arcade,Lokhandwala Complex, Andheri (W), Mumbai - 53.
AMFI Certified Financial Advisor &IRDA Certified Insurance Consultant
QUALITY INVESTMENT UNDER ONE ROOF
Portfolio Designer for Insurance & Investments91- 22 - 2633 8819 / 2635 0236 / 91- 22 - 2639 5714 Fax : 91- 22 - 2632 5363
Website : www. guptainvestments.com E-mail : [email protected]
�
Happy toAnnounce
Happy toAnnounce
Pg.
• Happy to announce / HDFC Platinum Deposit 1
• Fixed Deposit Scheme / Public Provident Fund (PPF) /
Post Office Schemes / 8% Saving Bond 2003 2
• LIC of India Jeevan Arogya Poster / Jeevan Saral /
9% Senior citizens saving scheme 3
• Classic Pension Insurance Plan / Sampoorn Samridhi
Insurance Plan / HDFC Life Crest 4
• 5
• Mahindra & Mahindra Financial Services Ltd / Capital Gains
/ HDFC Life Insurance Solutions 6
Diversified Fund / Balanced Fund / Large Cap Fund / FMP / KYC
Contents We have moved
15 months 9.40% 9.45% 9.55% - 9.75%
22 months 9.20% 9.25% 9.35% 9.55% 9.55%
D E P O S I T P L A N
40,000 20,000 20,000 20,000Minimum Amount (Rs.) 20,000
9.75% p.a.
(15 & 33 months payable annually)
HDFC Platinum Deposit Plan (rates effective from 18th May, 2011.)
Additional
Interest Rates (p.a.)
Senior
Citizen
(60 Year
and above)
0.25%33 months 9.40% 9.45% 9.55% 9.75% 9.75%
Fixed Rates only Rate of Interest (p.a.)
Platinum Deposit Plan
(Period)Monthly
Income Plan
Quarterly
Option
Half-Yearly
Option
Annual/
Cumulative
Option
Cumulative
Option*
*For Cumulative Option, interest is compounded annually.
CRISIL RATING FAAAICRA RATING MAAA
July - 2011 GUPTA PUBLICATION Page : 2
Public Provident Fund (PPF)
PPFvs FDsIf Rs. 70, 000 is invested every year in PPF and fixed deposits,the PPFaccount will be far bigger after 15 years
Calculation assumes that the year – end corpus of PPF and a fixed deposit is reinvestedevery year along with a fresh investment of Rs. 70,000. Fixed deposit earns 8% interestand its income is taxed atSo, if you invest Rs. 70,000 a yearin a PPF, your annual tax savingsin the 30% bracket will be
In16 years, you have a tax – freecorpus of
Withtax savings, the total gain in16 years is
30.9%.
Rs. 21,630
Rs. 22.92 lakh
Rs. 26.16 lakh
Rs. 4,43,515
Rs. 10,95,189
Rs. 22,92,156
403
16 years10 years5 years
Provident Fund Post-Tax FDs(1-year recurring deposit)
Learn to maximise the returns from your PPF investments by intelligent moves through the year
Open yourPPF A/c. through us.
individual
Note : PPF deposits will be accepted only if the A/c is opened through our Agency
No Court AttachmentNote : Interest Rate Subject to Change.
Tips to make most of your PPF
Buy Mutual Fund On-Line from our Website www.guptainvestments.com
Max.
Investment
(Rs)
Post Office SchemesInvest Today in Solid, Safe & Secure
SchemesExemption on
InvestmentsFeature
Please Note : Documents for Post Office Schemes : (1) (2)
(3) (4) (5) "The Postmaster Andheri H.O."
for MIS - 2 Joint Photos PAN Card of each applicant.
ITRs copy required if investment above Rs. 10 Lacs Sign required backside of Cheque Cheque in favour
PO MonthlyIncome Scheme
National SavingsCertificate
Post Office TimeDeposit
8.00 6 years 9 lakh None Fully Taxable 5 % bonus on maturity
8.00 6 years No Limit Sec 80C Fully Taxable Interest earned in first5 years gets Sec 80C break
6.25 - 1,2,3,5 No Limit None Fully Taxable Sec 80C benefit on7.50 years 5-years deposits7.5
4
2
3
Taxability on
interest
Interest
rate (%)Term (years)
Safe Money
Sound Returns
Safe Money
Sound Returns
Buy Mutual Fund On-Line from our Website www.guptainvestments.com
8% Saving Bond 2003, for details contact.
Company & Rating Period Minimum & Multiple of
The Interest Rate Structure for Fixed Deposit Scheme are as under w.e.f. 23/5/2011
1
4 1 Years Rs.10,000/- - 8.50 - -2 Years - 9.00 - -3 Years - 10.00 - -
1 Years Rs. 20,000/- 10.50 - 10.50 11.022 Years (& in multiples of 11.00 - 11.00 12.243 Years Rs. 1000 thereafter) 11.50 - 11.50 13.66
6 1 Years Rs. 20,000/- 10.50 - 10.5 11.022 Years (& in multiples of 11.00 - 11.00 12.243 Years Rs. 1000 thereafter) 11.50 - 11.50 13.66
Rs. 1000 thereafter)
Godrej Industries Limited
Mfg. Co. Ltd.
Godrej Properties Ltd.
Jaiprakash Associates Ltd.
Jaypee Infratech Ltd.
DepositCRISIL RATING FAA+ICRA RATING MAA+
13 Months Rs. 10,000 - 7.75 - 8.0224 Months (& in multiples of - 8.50 - 9.1736 Months Rs. 1,000 thereafter) - 9.25 - 10.53
2 3 Years Rs. 40,000 - MlyRs. 15,000 - H.Y. - 9.00 9.00 -(& in multiples of
Rs. 1000 thereafter)
3 1 Years Rs. 25,000/- 11.00 - 11.00 -2 Years 11.50 - 11.50 -
5
7 12 Months Rs. 25,000/- 8.95 9.05 9.25 9.2524 Months (& in multiple of 9.41 9.52 10.23 10.23
Godrej & Boyce
United Spirits Ltd.
Shriram Unnati Fixed
Sr.No.
Cum. Yield (%)Interest (%)
Fixed Deposit Scheme
Qtr. H.Y Annual
Notes : a) b) c) d) e) f)
g) h)
Any one of the following documents to be obtained for KYC Passport Voter’s Identity Card Driving License Telephone Bill Bank Statement Electricity Bill
Ration Card PAN copy (Mandatory) Interest rates are subject to change and the rate applicable will be the rate payable on the date of deposits.
Declarations : a) Please read fixed deposit form carefully, as we are not responsible for any charge in int. rates. b) Company take 90 days to issueFDR receipt. c) Please confirm int. rates before investing in FD’S.
Fixed Deposit SchemeFixed Deposit Scheme
Welcome to Goodhealth
July - 2011 Page : 3GUPTA PUBLICATION
Buy Mutual Fund On-Line from our Website www.guptainvestments.com
LIC of INDIA
LIC’s Jeevan Saral (T-165)
�Higher CoverLiquidityA ReturnA Lot of flexibility
�
�
�
LIC’s Jeevan Saral is a
“UNIQUE” plan which provides
Jeevan Saral...
“All in one solution”...... is a
�It is made of best of Traditional & ULIP plans.
Money Back Plan - Decide your own term & SB
A regular income plan!
A Pension Plan!
A term assurance plan with maturity benefits!
& Many More !
�
�
�
�
�
LIC’s Jeevan Saral (T-165)
Jeevan Arogya
� Valuable financial protection in case ofhospitalisation, surgery etc
Increasing Health cover every year
Lump sum benefit irrespective of actualmedical costs
No claim benefit
Flexible benefit limit to choose fromFlexible premium payment options
�
�
�
�
�
LIC’…
s…
Jeyou
evas
nive
Aro a ggyLIC’…
s…
Jeyou
evas
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� Pre defined benefit- No reimbursement, butlump sum paid based on pre-definedbenefit
Not based on expenses incurred
This will tend to indirectly reduce the Healthcare cost, which is rising due to cash lessmediclaim benefit
All benefit is dependent on HCB
�
�
�
Why wait GetLIC’s Jeevan Arogya
Enjoy Your Lifewith your family
What is the
situatio
n today ?
9% Senior Citizens Saving Scheme, for details contact.
July - 2011 Page : 4GUPTA PUBLICATION
ON THE CREST OF A WAVE
Advantages
• Choice of two Investment Options – Highest NAV Guarantee Fund or FreeAssetAllocation Option.
• Benefit of minimum guaranteed NAV of Rs. 15 at maturity *.
• On maturity you will receive the Fund value as per the investment option selected.
• This plan provides valuable protection to your family in case you are not around. In case of your unfortunate
demise during the policy term, we will pay the amount higher of your Sum Assured (less partial
withdrawals) or your total fund value to your family. Please refer to product brochure for details.
• This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals.
• Tax benefits are offered under section 80C and 10(10D) of the Income TaxAct, 1961
Any
HDFC SL Crest
highest
NAV along with a guarantee on returns*
Highest NAV Guarantee Fund
FreeAssetAllocation Option.
uncertainty should not affect your plans. Be it of life,
or of markets. You want to secure happiness for yourself
and your loved ones. We present –
insurance cum investment plan that provides valuable
financial protection to your family when needed the most
along with an investment option for certainty of
. So that when
you reap the returns of life, they are on crests not on lows.
In this plan you can choose to invest in either of two
investments options- or
With you can be financiallyprepared for your life - post retirement. This ‘with profit’ traditionalpension plan is designed to assist you to live your post retirement days to amaximum - without any compromise. This pension plan will build a corpusduring the policy term so that you can enjoy post retirement income for life.This limited pay plan offers guaranteed reversionary bonus.
• This plan is designed to build your corpus during the policy term of yourchoice, by giving you vesting benefit at end of the policy term.This vestingbenefit, will be used to provide you with the annuity in your golden years.
• Also, provides financial protection to your spouse(nominee) by way oflump sum payment in case of unfortunate demise within policy term.
• On Vesting you will receive SumAssured + attached bonuses.
•
• You can take up to 1/3rd of the total Vesting benefit as a tax-free cashlump sum
• The rest must be converted to annuity
• You can buy the annuity from us or any other insurer
• Tax benefits under sections 80CCC of the Income Tax Act, 1961 subject tothe provisions contained therein
HDFC Life Classic Pension Insurance Plan,
Features :
Please roll over your mouse over circles for explanation.
Advantages
As per prevailing Government regulations:
For more details on risk factors, terms and conditions, please read theProduct Brochure carefully and/or consult Financial Consultant beforetaking a decision.
HDFC Life Classic
Pension Insurance PlanSukh aur Samridhi.
HDFC Life Sampoorn Samridhi InsurancePlan,
Features :
Please roll over your mouse over circles for explanation.
Advantages
For more details on risk factors, terms and conditions, please read theProduct Brochure carefully and/or consult Financial Consultant beforetaking a decision.
Joy, happiness and prosperity are your ultimate desire,not only for yourself but also for your loved ones. Life insurance plans notonly let you secure financial future of your loved ones, they also assist you inattaining prosperity. With
you can be financially prepared for the future and can fulfil your dreams& aspirations. This plan offers financial protection to your loved ones whenthey need it the most, enabling you and your family live life with peace ofmind and sar utha ke !
• Financial protection to your loved ones by way of a lump sum payment incase of your unfortunate demise during the policy term. Sum assured plusattached bonuses will be paid to the nominee. In case of death due toaccident, an additional SumAssured will be paid. The policy will terminateand no further benefits will be payable.
• Choice of Maturity Benefit Option- on survival till maturity, you canchoose maturity benefit option
• Enhanced Cash Option - Sum Assured + Reversionary Bonus +anyinterim bonus + any terminal bonus + Enhanced Terminal Bonus. Policyterminates and no further benefits are payable.
• Enhanced Cover Option - Sum Assured + Reversionary Bonus + anyInterim bonus + any Terminal Bonus payable on maturity + AdditionalSumAssured on unfortunate death of life assured upto age of 99 years.
• Tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961subject to the provisions contained therein
HDFC Life Sampoorn
Samridhi Insurance Plan
Is the Crest same as any other Highest NAV
Guarantee Plan in the market?
Crest pioneers a unique combo of
Highest first 7 yrs
Rs. 15
Answer is NO!!!
daily NAV in & Minimum
Guaranteed NAV of on MATURITY
Buy Mutual Fund On-Line from our Website www.guptainvestments.com
Mutual Fund Update
Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince Inc.NAV (20.04.11)
Large Cap Fund
DSP BlackRock Top 100 Equity Fund - Growth 97.318 4.9262 5 15.5853 5 10.4987 5 19.089 3 31.642 1
Fidelity Equity Fund - Growth 34.434 5.5513 4 21.8471 2 12.9125 3 19.0261 4 22.5094 4
Franklin India Bluechip - Growth 209.8331 7.2506 3 18.4035 4 12.6959 4 17.3316 5 26.5472 2
HDFC Equity Fund - Growth 273.625 10.262 1 27.6905 1 17.952 1 20.4462 1 22.2551 5
HDFC Top 200 - Growth 204.878 7.4049 2 20.7188 3 15.2612 2 20.4327 2 24.4147 3
Average 7.079 20.849 13.8641 19.2651 25.4737
Minimum 4.9262 15.5853 10.4987 17.3316 22.2551
Maximum 10.262 27.6905 17.952 20.4462 31.642
Indices
BSE Sensex 17870.53 1.4409 10.9284 4.4178 12.559
BSE200 2225.66 0.0701 12.1969 4.6045 13.369
CNX500 4357.75 0.3096 11.5143 5.101 12.7852
BSE100 9384.31 0.3708 11.1858 4.165 13.3104
Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince Inc.NAV (20.04.11)
Balanced Fund
Birla Sun Life 95 - Growth 306.62 7.5105 3 18.2041 3 14.6781 4 17.3073 3 23.2747 1
FT India Balanced Fund - Growth 48.1259 4.4753 4 11.4613 5 8.4812 5 14.066 5 14.6049 4
HDFC Balanced Fund - Growth 56.76 13.7384 1 26.625 1 17.9578 2 17.313 2 17.4936 3
HDFC Prudence Fund - Growth 212.475 10.3646 2 26.4787 2 19.0381 1 20.0934 1 21.0321 2
Reliance RSF - Balanced - Growth 21.6292 3.0688 5 16.959 4 16.0137 3 14.7512 4 13.6544 5
Average 7.8315 19.9456 15.2338 16.7062 18.0119
Minimum 3.0688 11.4613 8.4812 14.066 13.6544
Maximum 13.7384 26.625 19.0381 20.0934 23.2747
Indices
Crisil Balanced Fund Index 3428.9038 (16-Jun-11) 3.9579 8.1401 7.1917 11.5058
Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince Inc.NAV (20.04.11)
Diversified Fund
DSP BlackRock Equity Fund - Dividend 47.356 6.0666 5 21.1915 4 12.4165 4 20.9189 1 23.8888 1
Franklin India Flexi Cap Fund - Growth 32.0301 8.4858 2 20.2724 5 12.5106 3 15.9963 5 20.3094 4
HDFC Capital Builder Fund - Growth 108.323 6.7969 4 26.955 2 13.7469 2 17.3198 4 14.6893 5
HDFC Growth Fund - Growth 85.109 7.4581 3 22.7836 3 11.4574 5 20.5046 2 21.9972 3
Reliance Equity Opportunities Fund - Growth 35.5536 9.5794 1 32.8935 1 18.0264 1 18.8314 3 22.6358 2
Average 7.6774 24.8192 13.6316 18.7142 20.7041
Minimum 6.0666 20.2724 11.4574 15.9963 14.6893
Maximum 9.5794 32.8935 18.0264 20.9189 23.8888
Indices
BSE Sensex 17870.53 1.4409 10.9284 4.4178 12.559
CNX500 4357.75 0.3096 11.5143 5.101 12.7852
BSE100 9384.31 0.3708 11.1858 4.165 13.3104
July - 2011 GUPTA PUBLICATION Page : 5
Visit : www.guptainvestments.com
Dear Mutual Fund Investors
KYC is Mandatory for all Investors w.e.f. January 1, 2011
• Click : to Know the documents to be Submitted for KYC processing / KYC application Form for Individuals / Non-Individuals.For details contact.
www.guptainvestments.com
Mutual Fund Fixed Maturity Plans
Fixed Maturity Plans
FMPs fixed like Fixed Deposit schemes.CBLO, Repo, government securities, money market instruments, corporate bonds, debentures, other debt
securities etc.
are closed ended debt oriented mutual fund schemes with a defined maturity period such as monthly, quarterly, half yearly, annual plans withmaturity of more than 1 year , to suit various needs of investors. FMPs are open for subscription only during specified period at the time of launch of the scheme. In orderto Provide liquidity to the investors, some FMPs offer a repurchase facility so that gives an option of selling back the units of the mutual fund at NAV related price atapplicable load .
In short the tenure of is However being Mutual Fund schemes, FMPs are neither capital protected nor offer assured returns,FMPs generally invest in fixed income instruments, like
Fixed Maturity Plans
FMPs fixed like Fixed Deposit schemes.CBLO, Repo, government securities, money market instruments, corporate bonds, debentures, other debt
securities etc.
The hardening interest rate scenario and the possibility of a rate hike by RBI haveincreased the attractiveness of the product.
July - 2011 GUPTA PUBLICATION Page : 6
Your Personal Investments & Insurance AdvisorOffice No. 22 R.N.A Shopping Arcade,,
1st Floor, Lokhandwala Complex,
Andheri (W), Mumbai - 400 053.
� 91-22-2633 8819 / 2635 0236
91-22-4016 3736
93238 35902
(D)
(M)
�
(D)
(M)
Fax : 91-22-2632 5363
E-mail : [email protected]
Website : www.guptainvestments.com
“Quality Investment under one roof ”
Dimpi Printers,Azad Road, Gundavali, Behind Ganesh-Motor Training School, Andheri (E),
& Published at Office no 22, 1st Floor, R. N. A. Arcade,Lokhandwala Complex, Andheri (W) Mumbai 400 053.Mumbai-400 069.
Life Insurance SolutionsKal ki socho... Sar utha ke jiyo!
Children’sPlans
SavingsPlans
ProtectionPlans
HealthPlans
Women’sPlans
RetirementPlans
YouthPlans
InvestmentPlans
Email your queries to us : [email protected]
U/S - 54EC - CAPITAL GAINS TAX EXEMPTION BONDSΔ
Δ ΔInterest 6 % payable annually Δ Lock - in: 3 yrs (Automatic redemption after 3 years )
Max. Investment: 50 Lakh per financial year Min. Investment: 10000/- per bond & multiple of one
ISSUE HIGHLIGHTS RURAL ELECTRIFICATION CORPORATION LTD NATIONAL HIGHWAY AUTHORITY OF INDIA
Credit Rating "AAA Stable" by CRISIL / "CARE AAA" by CARE "AAA/Stable" by CRISIL, "AAA/ind" by Fitch Ratings"AAA(ind)" by Fitch Ratings and "AAA" by CARE
Face Value Rs. 10000/- per Bond Rs.10,000/- per bond
Issue Price Rs. 10000/- per Bond Rs.10,000/- per bond
Min. Appl. Size One Bond of Rs. 10,000/- each and in multiple of Five Bonds of Rs. 10,000/- each & in multiple of oneOne bond thereafter Bond thereafter
Max.Appl.Size 500 Bonds of Rs. 10,000/- Each. (However, the 500 Bonds of Rs. 10000/- Each. (However, theaggregating investment made/being made by aggregating investment made/being made byapplicants in the 54 EC Capital Gains Tax Exemption applicants in the 54 EC Capital Gains Tax ExemptionBond issue of REC and NHAI during the FY 2011-12 Bond issue of REC and NHAI during the FY 2011-12should not exceed Rs. 50 lakhs) should not exceed Rs. 50 lakhs)
Deemed Date of Allotment Last day of each month in which subscription money is Last day of each month for application money clearedreceived and credited to REC account and credited in NHAI's collection account.
Tenor 3 yrs 3 years
Redemption / Maturity At par at the end of 3 yrs from the deemed date Bullet, at the end of 3 yearsof allotment
Transfer No Transfer is permitted During the period of the bond i.e. for three years fromthe deemed date of allotment, the bonds arenon-negotiable and cannot be offered as a security forany loan or advance.
Interst Paymnet Annual Annual
Date of Interest Payment 30th June 31st march
Coupon Rate w.e.f. 1/11/08 6 % payable annually 6 % payable annually
Trustee IDBI Trusteeship Services Ltd. Mumbai Syndicate Bank, 6, Bhagwan Dass Road,New Delhi - 110001.
Registrar RCMC Share Registry (P) Ltd. Tel: 0120-4015880, M/s Beetal Finacial & Computer Services (P) LtdE-mail - [email protected] Tel: 011-29961281-83,
E-mail - [email protected]
Issue Date Opening : 28th May 2008, Extended till 31st March 2012 Opening : 11th May 2009, Extended till 31st March 2012
Cheque To Be Drawn In "Rural Electrification Corporation Ltd. - 54 EC BONDS" "National Highway Authority of India" - 54 EC BONDS”The Name of
Interest rate/ Credit rating are subject to change and the Interest rate / Credit rating applicable will be the prevailing Interest rate/ Credit rating on the date of DepositForms can also be downloaded from Company’s Website : www.mahindrafinance.com
Mahindra & Financial Services Ltd.Mahindra
MinimumAmount
Period(Months)
AmountPayable (Rs.)
Interest*p.a.
EffectiveYield p.a.**
Cumulative Scheme Non-Cumulative Scheme
Rs. 10,000@12
18
24
36
48
60
10,850
11,391
11,990
13,310
14,641
16,105
8.50%
9.27%
10.50%
11.64%
11.60%
12.21%
8.50%
9.00%
10.00%
10.50%
10.00%
10.00%
Period(Months)
Interest p.a.* #(Half Yearly)
Interest p.a.* #(Quarterly)
12
24
48, 60
Minimum
Amount
8.25%
9.75%
9.75%
8.15%
9.65%
9.65%
Rs. 25,000 Rs. 50,000
* Senior Citizens / Employees willget an additional rate of 0.25%per annum
@
#
A d d i t i o n a l a m o u n t w i l l b eaccepted in multiples of Rs. 1,000/
In teres t Payment Half Year ly on30 th Sep tember and 31s t Marchonly through ECS/NCES/NEFT.
I n t e r e s t P a y m e n t Q u a r t e r l y o n30 th Sep tember and 31s t Marchonly through ECS/NCES/NEFT.
CompoundedAnnually**
Crisil RatingFAAA IndicatesHighest Safety
Please Note : 1) Renewals will be accepted in the Scheme prevailing on date of maturity 2) Only Principal Amount will be renewed in case of renewal
36 10.25% 10.15%