*For Cumulative Option, interest is compounded annually. Interest rate on Deposit below 1crore. Fixed Rates only 15 months 9.80% - 10.00% 40,000 20,000 20,000 20,000 Minimum Amount (Rs.) 20,000 33 months 9.80% 10.00% 10.00% Platinum Deposit Plan (Period) Monthly Income Plan Quarterly Option Half-Yearly Option Annual/ Cumulative Option Cumulative Option* Additional Rates (p.a.) Interest Senior Citizen (60 Year and above) 9.65% 9.70% 9.65% 9.70% (Rates effective from 23rd August, 2011.) DEPOSIT PLAN For Individuals & Trusts (15 & 33 months payable annually) 10% p.a. Rate of Interest (p.a.) CRISIL RATING FAAA ICRA RATING MAAA 0.25% Monthly Publication from GUPTA INVESTMENTS th th Posted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month. R.N.I. NO. : POSTAL REGD. NO. : MAHENG/2001/5593 MH/MR/N/213/MBI/12-14 “Quality Investment under one roof ” January - 2012 PRICE Rs. 1/- Volume - XI Issue - 1 PUBLICATION Pages : 6 For Private Circulation Only II OM SHRI SAI RAM II TM GUPTA INVESTMENTS is well known for providing valuable Services, satisfying Investors needs, which claimed various recognitation, certificate rewards. Our advisory services are based on understanding of the Financial market we take care throughly understand our Investor profile their investments need and objectives. Business A Life insurance | 9% SCSS (Senior Citizens) | Postal Saving | New Fund Offer. A HDFC Fixed Deposit | HDFC Life | Initial Public Offer * Mutual Funds. A Capital Gains Bonds | 8% GOI Bonds | HDFC ERGO (General Insurances). Valuable Services Investment Philosophy As a Investment company, we understand that customers have invested their savings with us for the long term, with specific objectives in mind like protection for the family in case of death of family member, child education and marriage liabilities or just investment returns over a longer period of time. With the above in mind, our investment focus is based on the primary objective of protecting and generating good and consistent investment returns to match the investor’s long term objective and return expectations. Our investment success is therefore based on teamwork guided by a robust and repeatable investment process. Vision Quality Investments has been the philosophy of GUPTA INVESTMENTS all along This belief in Quality, accompanied by advisory experience and Knowledge of the retail investors, unique needs has made GUPTA INVESTMENTS Mumbai Largest retail Investment advisory house. Our Straightforward, easy approach to investments, unbiased opinion on products, personalized attention, along with diligent post investment service has earned us the respect of over 10000 families in India, who invest regularly through us. Quality Is most preferred investments advisory publication amongst retail investor and is sent to more than 10000 Investor’s family every month. Services rendered by GUPTA INVESTMENTS which has been acclaimed by various investors in milestone achievement. “GUPTA INVESTMENTS” Your personal Investments & Insurance Advisor. It was formally established in the year 1997. Has a team of highly experienced to provide quality services to its esteemed clients. We value relationship which plays important rote for the business in years to come. Gupta Publication Pg. Schemes / • Market Outlook HDFC Platinum Deposit 1 • 2 • 3 • 5 • 6 / / PPF Fixed Deposit Schemes / Post Office Schemes • LIC’s Jeevan Anand / LIC’s Jeevan Saral 4 HDFC Life Sampoorn Samridhi Life Insurance Solutions Mutual Fund Update / U/s - 54EC - Capital Gains Tax Exemption Bonds / KYC / Non-Convertible Debentures (NCDs) / HDFC Life On The Crest Of A Wave Inside HAPPY NEW YEAR A Little Investment every day can make a big difference PUBLIC PROVIDENT FUND (PPF) REVISED RATE OF INTEREST W.E.F. 01/12/2011 Investment - From Min. Rs. 1000/- to Max. Rs. 100000/- even in Maximum 12 Instalments Every Year. Interest - 8.60% p.a. compounded every year Tax Benefits - Eligible for Tax Rebate U/S 80C No Income Tax, Wealth Tax Note : - Subject to Changes if any from Government of India Ministry of Communications Department of Posts User Name & Pass-word to access On-Line Mutual Fund Portfolio on our Website. Dear Investors, On Behalf of Everyone at Gupta Investments, we would like to wish you & your Family Members a Happy & Prosperous New Year 2012. We are very much Thankful to each one of you for your continued support. We are thrilled, over excited, blessed by your presence during the course of our Business & Services. 2011 was a year of volatility & downturn. One should keep faith & stay put, only Equities have the Potential to help us recoup the Losses. Market will be volatile, invest with Long-Term Horizon. Many investors who had entered the market during peak 2007 are sitting on Losses of 30%.They should not exit the Market as 30% Losses, cannot be compensated by any other Investment returns, only Equity Investment can have a chance to recoup our Losses or make money once fundamental / sentiments improve. We have been informing you long, not to invest in Lump sum & always opt for regular SIP/STP as we can average out cost. Some of the structural changes have been done on Post-Office Schemes as well as PPF Investment, detailed will be followed in Publication . Please refer before Investments. To serve you better please call us to collect & deposit on your behalf. Please do visit our Website :-www.guptainvestments.com “Gupta Investments Mumbai largest retail investment advisory House.” We welcome your feed Back/Suggestions/queries. We are here to prove ourselves the Best Service Provider & “Quality Investment under One roof.” Happy Investing! Warm Regards, Sd/- Gagan Gupta (Certified Financial Consultant) Please provide your Email Id enable us to issue you Visit : www.guptainvestments.com
6
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HAPPY NEW YEAR - guptainvestments.com Feb 2012/News... · child education and marriage liabilities ... •LIC’s Jeevan Anand / LIC’s ... Growth 20.5605 6/2/2002 1.1328 1.7962
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*For Cumulative Option, interest is compounded annually. Interest rate on Deposit below 1crore.
(15 & 33 months payable annually)10%p.a. Rate of Interest (p.a.)
CRISIL RATING FAAAICRA RATING MAAA
0.25%
Monthly Publication from GUPTA INVESTMENTSth thPosted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month.
R.N.I. NO. : POSTAL REGD. NO. :
MAHENG/2001/5593MH/MR/N/213/MBI/12-14
“Quality Investment under one roof ” January - 2012
PRICE Rs. 1/-
Volume - XI Issue - 1
PUBLICATION
Pages : 6 For Private Circulation Only II OM SHRI SAI RAM II
TM
GUPTA INVESTMENTS is well known for providing valuable Services, satisfying Investors needs, which claimed various recognitation, certificate rewards. Our advisory services are based on understanding of the Financial market we take care throughly understand our Investor profile their investments need and objectives.
Business
A Life insurance | 9% SCSS (Senior Citizens) | Postal
Saving | New Fund Offer.
A HDFC Fixed Deposit | HDFC Life | Initial Public Offer * Mutual Funds.
A Capital Gains Bonds | 8% GOI Bonds | HDFC ERGO(General Insurances).
Valuable Services
Investment Philosophy As a Investment company, we understand that customers have invested their savings with us for the long term, with specific objectives in mind like protection for the family in case of death of family member, child education and marriage liabilities or just investment returns over a longer period of time. With the above in mind, our investment focus is based on the primary objective of protecting and generating good and consistent investment returns to match the investor’s long term objective and return expectations. Our investment success is therefore based on teamwork guided by a robust and repeatable investment process.
Vision
Quality Investments has been the philosophy of GUPTA INVESTMENTS all along This belief in Quality, accompanied by advisory experience and Knowledge of the retail investors, unique needs has made GUPTA INVESTMENTS Mumbai Largest retail Investment advisory house.
Our Straightforward, easy approach to investments, unbiased opinion on products, personalized attention, along with diligent post investment service has earned us the respect of over 10000 families in India, who invest regularly through us.
Quality
Is most preferred investments advisory publication amongst retail investor and is sent to more than 10000 Investor’s family every month.
Services rendered by GUPTA INVESTMENTS which has been acclaimed by various investors in milestone achievement.
“GUPTA INVESTMENTS” Your personal Investments & Insurance Advisor. It was formally established in the year 1997. Has a team of highly experienced to provide quality services to its esteemed clients. We value relationship which plays important rote for the business in years to come.
Gupta Publication
Buy Mutual Fund On-Line from our Website www.guptainvestments.com
A Little Investment every day can make a big difference
PUBLIC PROVIDENT FUND (PPF) REVISED RATE OF INTEREST W.E.F. 01/12/2011Investment - From Min. Rs. 1000/- to Max. Rs. 100000/- even in Maximum 12 Instalments Every Year. Interest - 8.60% p.a. compounded every yearTax Benefits - Eligible for Tax Rebate U/S 80C No Income Tax, Wealth Tax
Note : - Subject to Changes if any from Government of India Ministry of Communications Department of Posts
User Name & Pass-word to access
On-Line Mutual Fund Portfolio on our Website.
Dear Investors,
On Behalf of Everyone at Gupta Investments, we would like to wish you & your Family Members a Happy & Prosperous New Year 2012.
We are very much Thankful to each one of you for your continued support. We are thrilled, over excited, blessed by your presence during the course of our Business & Services. 2011 was a year of volatility & downturn. One should keep faith & stay put, only Equities have the Potential to help us recoup the Losses. Market will be volatile, invest with Long-Term Horizon. Many investors who had entered the market during peak 2007 are sitting on Losses of 30%.They should not exit the Market as 30% Losses, cannot be compensated by any other Investment returns, only Equity Investment can have a chance to recoup our Losses or make money once fundamental / sentiments improve. We have been informing you long, not to invest in Lump sum & always opt for regular SIP/STP as we can average out cost.
Some of the structural changes have been done on Post-Office Schemes as well as PPF Investment, detailed will be followed in Publication . Please refer before Investments.
To serve you better please call us to collect & deposit on your behalf. Please do visit our Website :-www.guptainvestments.com
“Gupta Investments Mumbai largest retail investment advisory House.”
We welcome your feed Back/Suggestions/queries. We are here to prove ourselves the Best Service Provider &
“Quality Investment under One roof.”
Happy Investing!
Warm Regards,
Sd/-
Gagan Gupta
(Certified Financial Consultant)
Please provide your Email Id enable us to issue you
Visit : www.guptainvestments.com
Name of the Company Minimum
Amount
Cr. RatingSr. No.
InterestFrequency
(Interest rate %) (Period in Months)
13 2412
Special Rate
MANUFACTURING COMPANIES FD'S SCHEMES with effect from December 01. 2011MANUFACTURING COMPANIES FD'S SCHEMES with effect from December 01. 2011
FINANCE COMPANIES FD'S SCHEMES with effect from December 01. 2011FINANCE COMPANIES FD'S SCHEMES with effect from December 01. 2011Name of the Company Min Amt. Sr. CitizenSr.
SHRIRAM TRANSPORT FINANCE COMPANY LTD.Shriram Transport Finance Company. (STFC), established in 1979, is one of the India's largest professionally managed asset finance company, specializing in vehicle finance.
² The company is the leader in used truck finance and vehicle finance industry with market share of 25%. ² Expertise in loan origination, valuation and collection, construction equipments and road logistics. ² “Best PE-Backed Company Award d for 2008” in research-cum-survey conducted by Venture Intelligence. ² “Silver Shield” for “Excellence in Financial Reporting” by the Institute of Chartered Accountants of India (ICAI) ² Company's Fixed Deposits have “FAA+/stable” by CRISIL indicating high degree of safety and “MAA+/stable” by ICRA, indicating high credit quality ² Presence is widely spread with more than 494 branches and tie-up with 500 private financiers across the country. ² The Company has more than 16000 employees. ² More than 10,00,000 Truck Financed, with Rs. 36,000 Crores of Assets under Management in March 2011. ² Company's Rs. 6000 Crores Retail Fund based is built up through 75000 agents from 50,00,000 Investors. ² Current Net NPA is as low as 0.38% % as on March 2011.
EQUITY PARTICIPATION Equity Investments by “Chrys Capital” -“CITICORP” – “AXIS BANK” – “NEWBRIDGE CAPITAL-USA” ² Share currently traded @ about Rs. 600 (Oct 2011), with 52 weeks high low of Rs. 890 - Rs. 530
SHRIRAM TRANSPORT FINANCE CO. LTD. 2006-07 2007-08 2008-09 2009-10 2010-11
• Higher Cover• Liquidity• A Return• A Lot of flexibility
LIC’s Jeevan Saral is a “UNIQUE” plan which provides • 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 !
Jeevan Saral...“ All in one solution”...... is a
Year - Wise Maturity Chart
• Benefits : - Death Benefit -250 times of the monthly Basic Premium Plus Return of Premium Paid Plus Loyalty Addition (if any)• Accident Death Benefit : - 500 times plus refunds of premium + Loyalty Addition (if any)• NOTE : The figures in columns above are non guaranteed. They are estimated on the assumption of LIC's projected investment rate of
return @ 10% respectively on the investible portion of the premium.• Disclaimer :- The above statement is based on certain assumptions which are liable to change according to Government
/Corporation's policies. - Insurance is a matter of solicitation
Additional Sum Assured on Death due to Accident
Risk CoverageEven After Maturity
Full Payout at Maturity
Participating SavingsInsurance Plan
Visit : www.guptainvestments.com
Happy New Year2012
January - 2012 Page : 5GUPTA PUBLICATION
Highlights
%
Unique BenefitsOn Maturity : Two unique benefit options
Maturity Benefit Option can be opted within 30 to 180 days before maturity.
Sum Assured + Reversionary Bonus + Interim Bonus (if any)+ Terminal Bonus (if any) AND Enhanced Terminal Bonus
Enhanced Cash Option
Sum Assured + Reversionary Bonus + Interim Bonus (if any) + Terminal Bonus (if any) ANDAdditional Sum Assured payable on death of life assured upto the age 99 years
Enhanced Cover Option
OR
Other Benefits
HDFC Life Sampoorn Samridhi Insurance PlanA Profit Plan with Whole of Life Option
Dual BenefitEndowment Policy + Whole of Life Cover
Bonus RB Rs. 30 per 1000 SA
High SA Discount5% on basis premiums for SA =>5 L
Customized Solution Wide ranging choice of
Policy Term & SA
as per the ‘Most Trusted Brand’ Survey 2010conducted by Economic Times - Brand Equity.
‘India’s Most Trusted Private Life Insurance
Brand’
Visit : www.guptainvestments.com
MinimumGuarantee
Is the Crest same as any other Highest NAV Guarantee Plan in the market?
Answer is NO!!!Crest pioneers a unique combo of
Highest daily NAV in first 7 yrs & Minimum Guaranteed NAV of Rs. 15 on MATURITY
Any 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 HDFC SL Crest – insurance cum investment plan that provides valuable financial protection to your family when needed the most along with an investment option for certainty of highest NAV along with a guarantee on returns*. 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- Highest NAV Guarantee Fund or Free Asset Allocation Option.
Advantages
• Choice of two Investment Options – Highest NAV Guarantee Fund or Free Asset Allocation 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 Tax Act, 1961
ON THE CREST OF A WAVE ON THE CREST OF A WAVE
Note - Please Confirm for the closure of the plan before investing
January - 2012 GUPTA PUBLICATION Page : 6
Your Personal Investments & Insurance AdvisorOffice No. 22 R.N.A Shopping Arcade,
U/S - 54EC - CAPITAL GAINS TAX EXEMPTION BONDSISSUE HIGHLIGHTS NATIONAL HIGHWAY AUTHORITY OF INDIA RURAL ELECTRIFICATION CORPORATION LTD
Credit Rating "AAA/Stable" by CRISIL, "AAA/ind" by Fitch Ratings "AAA Stable" by CRISIL / "CARE AAA" by CARE and "AAA" by CARE "AAA(ind)" by Fitch Ratings
Face Value Rs. 10,000/- per Bond Rs.10,000/- per bond
Issue Price Rs. 10,000/- per Bond Rs.10,000/- per bond
Min. Appl. Size Five Bonds of Rs. 10,000/- each & in multiple of One Bond of Rs. 10,000/- each and in multiple of One Bond thereafter One Bbond thereafter
Max. Appl.Size 500 Bonds of Rs. 10000/- Each. (However, the aggregating 500 Bonds of Rs. 10,000/- Each. (However, the aggregating investment made/being made by applicants in the 54 EC investment made/being made by applicants in the 54 EC Capital Gains Tax Exemption Bond issue of REC and Capital Gains Tax Exemption Bond issue of REC and NHAI during the FY 2011-12 should not exceed Rs. 50 lakhs) NHAI during the FY 2011-12 should not exceed Rs. 50 lakhs)
Cheque to be Drawn in the name of "National Highway Authority of India" - 54 EC BONDS” "Rural Electrification Corporation Ltd. - 54 EC BONDS"
Deemed Date of Allotment Last day of each month for application money cleared Last day of each month in which subscription money isand credited in NHAI's collection account. received and credited to REC account
Tenor 3 years 3 years
Redemption / Maturity Bullet, at the end of 3 years At par at the end of 3 yrs from the deemed date of allotment