11 PARTNER’S :. 2 13 FIXED DEPOSIT MUTUAL FUND IPO BONDS E-BROKING INSURANCE (GENERAL & HEALTH) FINANCIAL PLANNER REAL ESTATE 4.

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KFS ADVISORY LLP

PARTNER’S :

Mr. KRISHNA KUMAR

Ms. YOGITA KADAM

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KFS ADVISORY LLP

THINK BIGGER LIVE BETTER

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About us:

We begin our journey as KUMAR’S FINANCIAL SERVICES Now KFS ADVISORY LLP From 14 May 2011.

Its been more the 4 years till date we are working and providing our services as sub brokers in

Financial market.We further wish to expand our services and we are doing our best to

reach at our aim.We have approximately 800 client and 150 sub-broker who co-

ordinate through us for their requirement in investments

We have our registered office at ANDHERI (WEST)

WE BELIEVE THAT OUR CLIENTS SUCCESS IS OUR HAPPINESS!!!!!

FUTHUR ARE THE DETAILS ABOUT OUR FACILTIES WE PROVIDE…

CONTACT DETAILS: KFS ADVISORY LLP office no: 12/2nd flr, bldg no 10 Vasant house, opp Ram Mandir, J.P Road Andheri (west) Mumbai-58 Off no: 65619793/65619794 ;Mob-9870684450 Email- [email protected]

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Our Facilities That We Provide:

FIXED DEPOSIT MUTUAL FUND IPO BONDS E-BROKING INSURANCE (GENERAL & HEALTH) FINANCIAL PLANNERREAL ESTATE

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Fixed Deposit :What is fixed deposit?

A fixed deposit (FD) is a financial instrument provided by banks which provides investors with a higher rate of interest than a regular savings account, until the given maturity date. It may or may not require the creation of a separate account.To compensate for the low liquidity, FDs offer higher rates of interest than saving accounts. The longest permissible term for FDs is 10 years. Generally, the longer the term of deposit, higher is the rate of interest but a bank may offer lower rate of interest for a longer period if it expects interest rates, at which the Central Bank of a nation lends to banks ("repo rates"), will dip in the future.

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Company’s Deposit That We Have:

MAHINDRA FINANCE

SHRIRAM UNNATI & CITY

UNION

BAJAJ FINANCEDEWAN

HOUSING FINANCE LTD

HDFC

GODREJ BOYCEE

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SHRIRAM TRANSPORT FINANCE CO. LTD

Brief History Of Company :

CrisilFAAA

Name of company : Shriram Transport Finance Company Ltd Date of incorporation : 30th June 1979 Business carried on by the company : Asset finance company- deposit taking Registered office : 3rd floor, Mookambika complex no-4, Lady Desika road, Mylapore, chennai-600004

Option

Cumulative

Non-cumulative

Period Annually Monthly Quarterly Half yearly Annually

12 9.00% 8.65% 8.71% 8.81% 9.00%

24 9.68% 8.88% 8.95% 9.05% 9.68%

36 10.43% 9.11% 9.18% 9.28% 9.50%

48 10.94% 9.11% 9.18% 9.28% 9.50%

60 11.49% 9.11% 9.18% 9.28% 9.50%

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Shriram City Union Finance Ltd Care

AA

Name of company : Shriram City Union Finance LtdDate of incorporation : 27th March 1986 Business carried on by the company : Deposit accepting non-banking finance company Registered office : 123 Angappa Naicken street, Chennai-600001

Brief history of company:

Option

Cumulative

Non-cumulative

Period

Annually Monthly Quarterly Half yearly

Annually

12 9.00% 8.65% 8.71% 8.81% 9.00%

24 9.68% 8.88% 8.95% 9.05% 9.68%

36 10.43% 9.11% 9.18% 9.28% 9.50%

48 10.94% 9.11% 9.18% 9.28% 9.50%

60 11.49% 9.11% 9.18% 9.28% 9.50%

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Mahindra FinanceBrief histroy of company:

CrisilFAAA

Name of company : Mahindra & Mahindra Finance Services LtdDate of incorporation : 1st January 1991Business carried on by the company : Company is primarily engaged in providing financing for new and pre-owned auto and utility vehicles, tractors, cars , personal loans, etcRegistered office : Gateway bldg , Apollo Bunder, Mumbai-400001Option Cumulative Non-cumulative

Period Annually Quarterly Half yearly

12 9.00 % 8.40% 8.50%

18 9.53% - -

24 9.68% 9.15% 9.25%

36 10.13% 9.15% 9.25%

48 10.61% 8.90% 9.00%

60 11.13% 8.90% 9.00%

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GODREJ &BOYCE MFG.COBrief History Of

Company:Name of company: Godrej & boyce mfg. Co. LtdDate of incorporation : 1897Business carried on by company : The Company is engaged in the business ofCONSUMER DURABLES: Refrigerators, Washing Machines.OFFICE EQUIPMENT: Office Furniture and Storage Systems, Seating &Desking Systems.INDUSTRIAL PRODUCTS: Forklift Trucks, Warehousing Equipment, Multiflex & Heavy Duty Storage Systems.Registered office: Pirojshanagar , Vikhroli, mumbai-79

Crisil

FAA

Period Rate of interest

Payment of interest

Minimum amount

Three years 9.50% Half yearly(sep30/mar 31 on maturity)

25000

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Option Cumulative Non-cumulative

Period Annually Monthly Quarterly

Half Yrly

Yearly

12 months 9.50% 8.85% 8.95% 9.05% 9.25%

14 months 9.50% 9.10% 9.15% 9.30% 9.50%

24 months 9.50% 9.10% 9.15% 9.30% 9.50%

36 months 9.50% 9.10% 9.15% 9.30% 9.50%

40 months 9.60% 9.20% 9.25% 9.40% 9.60%

48-120 months

9.50% 9.10% 9.15% 9.30% 9.50%

DEWAN HOUSING FINANCE LTD

Brief Histroy Of Company:

CareAA+

Name Of Company: DEWAN HOUSING FINANCE CORPORATION LTDDate Of Incorporation: 11 April 1984Business Carried On By Co. With Its Subsidiaries: The company is primarily carrying on the business of providing finance for purpose of construction/purchase of residential house.Registerd office: Warden house, 2nd floor Sir Pm road, Fort Mumbai-400001

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Bajaj Finance LtdBrief histroy of company:

CrisilFAAA

Name of company: BAJAJ FINANCE LIMITED Date of incorporation: 25th March 1987 Business carried on by company with its subsidiaries: Providing consumer finance ranging from vehicle loans, personal loans, consumer durable financing, home loans, small business loans..etcRegistered office : Akurdi, Pune 411035Option Cumulative Non-cumulative

Period Annualy Monthly Quarterly

Half yrly

Annualy

12 9.10% 8.75% 8.80% 8.90% 9.10%

18 9.41% 8.85% 8.90% 9.00% 9.20%

24 9.68% 8.90% 8.95% 9.05% 9.25%

36 10.13 % 8.90% 8.95% 9.05% 9.25%

48 10.61% 8.90% 8.95% 9.05% 9.25%

60 11.13% 8.90% 8.95% 9.05% 9.25%

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Brief histroy of company :CrisilFAAA

Hdfc Ltd

Name of company : Housing Development Finance Corporation Ltd Date of incorporation : 17th October 1977Business carried on by company with its subsidiaries : Is a public listed company primraily engaged in the business of providing housinig finance by creating institutional facility for meeting the needs of people for long term finance for purchase/construction of residential houses.Registered office : Ramon House, H T Parekh marg, Backbay Reclamation, Churchgate, Mumbai-400020.Option

Cumulative

Non-cumulative

Period Annually Monthly Quarterly

Half yearly

Annually

12-23 8.70% 8.35% 8.40% 8.50 -

24-35 8.70% 8.35% 8.40% 8.50 8.70%

36-60 8.70% 8.35% 8.40% 8.50 8.70%

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MUTUAL FUND

EQUITY SCHEMES DEBTS SCHEMES

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Basic Features Open Ended Funds Close Ended FundsPurchase /AdditionalPurchase

Can be done any time,Even after NFO.

Can be done during NFO only. PostNFO, additional

purchase can be doneonly through stock

exchanges.

Redemption Done any time Only at the maturity. However, Post

NFO, transactions can be done through Stock Exchanges.

No of Units Variable Fixed

Unit Capital Variable Fixed

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Systematic Approach To Investment – SIP, STP and SWP

Bank

Scheme 1 Scheme 2

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Systematic Transfer Plan

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Systematic Investment Plan (SIP) : » SIP is an approach where the investor invests constant amounts at regular intervals.

» A benefit of such an approach is, it gives Rupee Cost Averaging.

» Through an SIP, the investor does not end up in the unfortunate position of acquiring all the units in a market peak.

» Mutual funds make it convenient for investors to lock into SIPs by investing through Post-Dated Cheques (PDCs), ECS or standing instructions.

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Systematic Withdrawal Plan (SWP) : » Just as investors do not want to buy all their units at a market peak, they do not want all their units redeemed in a market trough.

» Investors can therefore opt for the safer route of offering for re-purchase, a constant value against units.

» Mutual funds make it convenient for investors to manage their SWPs by indicating the amount, periodicity (generally, monthly) and period for their SWP.

» Accordingly, the mutual fund will re-purchase the appropriate number of units of the unit-holder, without the formality of having to give a repurchase instruction for each transaction.

» Some schemes even offer the facility of transferring only the appreciation or the dividend

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Systematic Transfer Plan (STP) : » This is a variation of SWP.

» In a STP, the amount that is withdrawn from a scheme is re-invested in some other scheme of the same mutual fund.

» Thus, it operates as a SWP from the first scheme, and a SIP into the second scheme.

» STP is a combination of SWP + SIP

» The Unit-holder can avoid two sets of paper work (Sale and Re-purchase) for every period.

» Thus, STP offered by mutual funds is a cost-effective and convenient facility.

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Classification of Mutual Funds:

I Equity Schemes : » A scheme might have an investment objective to invest largely in equity shares and equity-related investments like convertible debentures. » The investment objective of such funds is to seek capital appreciation through investment in this growth asset.II Debt Funds : Schemes with an investment objective that limits them to investments in debt securities - Government or Corporate.

III Hybrid funds : Have an investment charter that provides for investment in both Debt, Equity and even in Gold along with previous ones.

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Types Of Equity Funds :

I Sector Funds : Invests in only a specific sector. It is the highest risk scheme in the whole universe of MF.

II Thematic Funds : Invest in line with an investment theme. A Thematic Fund is more broad based than a sector fund, but has narrower exposure than a diversified fund.

III Diversified Equity Fund : Is a category of funds that invest in a diverse mix of securities that cut across sectors.IV Equity Income / Dividend Yield Schemes : Invest in securities whose shares fluctuate less, and the dividend represents a larger proportion of the returns on those shares.

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V Arbitrage Funds :

» Take contrary positions in different markets / securities, such that the risk is neutralized, but a return is earned. » Most of them take contrary positions between the equity market and the futures and options market. » The objective is to take advantage of mispricing of securities between two markets. » They are taxed as Equity Schemes

VI Equity Linked Saving Schemes [ ELSS ] :

» Offers Tax Benefit on investments up to Rs. 1,50,000 » 3 year lock in period from each installment » Maximum investment is in Equities only » Tax benefit at the time of investment u/s 80 (C) and redemption value does not attract Capital Gain Tax.

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Types Of Debt Funds :

I Gilt Funds : Invest in only treasury bills and government securities, which do not have a credit risk.

II Diversified Debt Funds : On the other hand, invest in a mix of government and non-government debt securities. They are also known as Income Funds.

III Junk Bond : Schemes or high yield bond schemes invest in companies that are of poor credit quality (Credit Rating lower than Investment Grade).

IV Fixed Maturity: Plan are a kind of debt fund where the investment portfolio is closely aligned to the maturity of the scheme. Being close-ended schemes, they do not accept money post-NFO. Returns can be reasonably predicted at the time of investment only. Good alternative to Fixed Deposits with compromise in liquidity.

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V Floating Rate Funds: Invest largely in floating rate debt securities i.e. debt securities where the interest rate payable by the issuer changes in line with the market. The NAVs of such schemes fluctuate lesser than debt funds that invest more in debt securities offering a fixed rate of interest.VI Liquid Schemes or Money Market Schemes Are a variant of debt schemes that invest only in debt securities where the Money will be repaid within 60-days. The least risky scheme in the whole universe of mutual fund.

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Types of Hybrid Funds :

I Monthly Income Plan: » Seeks to declare a dividend every month. » It therefore invests largely in debt securities. However, a small percentage is invested in equity shares to improve the scheme’s yield. » It does not guarantee any monthly income. II Balanced Fund : » It gives an investor exposure to both equity and debt simultaneously in one portfolio. » The balanced funds can have fixed or flexible allocation between equity and debt. Now, Hybrid Mutual Funds are also allowed to invest in Gold.III Capital Protected Schemes » Are close-ended schemes, which are structured to ensure that investors get their principal back, irrespective of what happens to the market. » The amount is invested in Zero Coupon Government Securities, maturity of which is aliened with the maturity of these schemes, in such a way that at the maturity the investor will get at least the capital back. Rest of the money is invested to get higher returns. » If investment is done in corporate debt securities also, they will be called Capital Protection Oriented Schemes.

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Insurance:

GENERAL INSURANCE

LIFE INSURANCE & MEDICLAIM

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General Insurance: General insurance or non-life insurance policies, including automobile and homeowners policies, provide payments depending on the loss from a particular financial event. General insurance is typically defined as any insurance that is not determined to be life insurance.

Forms of general insurance:

Car Insurance Two Wheeler Insurance Travel Insurance Home Insurance

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General Insurance :

COMPANY’S THAT WE PROVIDE :

Sbi

Shriram

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Life Insurance: Life insurance policy provides you assurance that your family will get financial security and support even when you are not around. This is the best way where the insured person can save his family from financial crisis at the time of any mishappening or after death, but prior to this it's necessary to compare best life insurance policies offered by different companies, their contract terms, cost, premium quotes, limitations and benefits. With a population of over one Billion, only 35 million people in India are covered with life assurance policies. There are so many reasons behind this low penetration of insurance.

Types of life insurance :

Endownment insurance Whole life insurance Money- back plan ULIP Pension plan

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Life Insurance & Mediclaim

COMPANY’S THAT WE PROVIDE :

Star health

Max bupa

Sbi – General health

Apollo munnich

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Real Estate :DETAILS:Real estate investing involves the purchase, ownership, management, rental and/or sale of real estate for profit. Real Estate has traditionally outperformed the Wall Street equity market. A street by street knowledge of the market make it perfect for small savvy investors. Large institutions lag behind trends. Improvement of realty property as part of a real estate it investment strategy is generally considered to be a sub-specialty of real estate investing called real estate development. Real estate is an asset form with limited liquidity relative to other investments, it is also capital intensive (although capital may be gained through mortgage leverage) and is highly cash flow dependent. If these factors are not well understood and managed by the investor, real estate becomes a  risky investment. The primary cause of investment failure for real estate is that the investor goes into negative cash flow for a period of time that is not sustainable, often forcing them to resell the property at a loss or go into insolvency.

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Goverment Bonds:DETAILS :

Government Securities are securities issued by the Government for raising a public loan or as notified in the official Gazette. They consist of Government Promissory Notes, Bearer Bonds, Stocks or Bonds held in Bond Ledger Account. They may be in the form of Treasury Bills or Dated Government Securities.Government Securities are mostly interest bearing dated securities issued by RBI on behalf of the Government of India. GOI uses these funds to meet its expenditure commitments. These securities are generally fixed maturity and fixed coupon securities carrying semi-annual coupon. Since the date of maturity is specified in the securities, these are known as dated Government Securities, e.g. 8.24% GOI 2018 is a Central Government Security maturing in 2018, which carries a coupon of 8.24% payable half yearly. 

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Our way of communication with our clients :

Through regular phone calls

SMS

Door to door services by our executives

Courier of forms

E –mails for new updates

Answers to all queries

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Thank You!!