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*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

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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Page 1: 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

*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 20,000Minimum Amount (Rs.) 20,000

33 months 9.80% 10.00% 10.00%

Platinum Deposit Plan(Period)

MonthlyIncome Plan

QuarterlyOption

Half-YearlyOption

Annual/Cumulative

Option

CumulativeOption*

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.)D E P O S I T P L A N

For Individuals & Trusts

(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

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. 01/12/2011Investment - 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

Page 2: 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

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

Share Holder Sr. Citizen 36

1. Ceat Ltd. 25000 0.25 0.25 9.50 10.00 10.50 Qtrly /Half yearly

9.84 10.88 12.16 Cum / Yield

2. Gabriel India Ltd. 10000 Nil Nil 10.00 Qtrly

9.00 9.50 10.00 Cum

3. Godrej Industries Limited 10000 Nil Nil 7.75 8.50 9.25 Cum / Half yearly

8.02 9.17 10.53 Yield

4. Godrej & Boyce Mfg. Co. Ltd. 15000 Nil Nil 10.00 Half Yearly / Monthly

5. Godrej Properties Ltd. 10000 Nil Nil 9.00 9.50 10.50 Half Yearly

6. Jaiprakash Associates Ltd. 20000 Nil Nil 11.75 12.25 12.50 Qtrly

12.40 13.80 15.07 Cum / Yield

7. Jaypee Infratech Ltd. 20000 Nil Nil 11.75 12.25 12.50 Qtrly

12.40 13.80 15.07 Cum / Yield

8. Mahindra & Mahindra Ltd. 25000 8.50 9.75 Yearly

40000 Mnly

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.

No.

Interest frequency

(Interest rate %) (Period in Months)

24-35 36-8412-23 60Gruh Finance

Cr. Rating

1. Individual & Trust 20000 0.25 FAA+ & 9.00 9.25 9.50 - Monthly\

9.25 9.50 9.75 - Qrtly

9.50 9.75 10.00 - Ann

9.50 9.75 10.00 - Cum

MAA+

2. HDFC Ltd 12-23 24-35 36-59 60

3. Mahindra Finance 12 18 24 36/ 48-60

4. Shriram Unnati FD Scheme 12 24 36 48-60

For Individual & Trust 40000 0.25 FAAA 9.15 9.30 9.40 9.15 Monthly

Regular Deposits Below 1 Cr. 20000 MAAA 9.20 9.35 9.45 9.20 Qtrly

9.30 9.45 9.55 9.30 Half yearly

Nil 9.65 9.75 9.50 Ann

9.50 9.65 9.75 9.50 Cum

10000 0.25 FAAA 9.50 10.00 10.25 10.50/10.00 Cum

25000 9.25 N/A 10.00 10.25/9.75 Half yearly

50000 9.15 N/A 9.90 10.15/9.65 Qtrly

9.50 10.33 10.78 11.64/11. Yield

25000 0.25 FAA+& 9.25 9.75 10.75 10.75 Yearly

MAA+ 9.05 9.52 10.47 10.47 Half yearly

8.95 9.41 10.34 10.34 Qtrly

9.25 10.23 11.94 12.60/13.32 Cum / Yield

60/12.21

January - 2012 Page : 2GUPTA PUBLICATION

Sr. No. rate (%) (years) Investment (Rs.) Investments on Interest

Schemes Interest Term Max. Exemption on Taxability

1 P O Monthly Income Scheme 8.20% 5 Years 9 Lakh None Fully Taxable No Bonus on Maturity

2 National Saving Certificate 8.20% 5 Years No Limit Sec 80C Fully Taxable

3 National Saving Certificate 8.89% 10 Years No Limit None Fully Taxable Premature withdrawal after 3 years

4 Post Office Time Deposit 7.70% 1 Year No Limit None Fully Taxable

5 Post Office Time Deposit 7.80% 2 Years No Limit None Fully Taxable

6 Post Office Time Deposit 8.00% 3 Years No Limit None Fully Taxable

7 Post Office Time Deposit 8.30% 5 Years No Limit None Fully Taxable

8 Recurring Deposit (RD) 8.30% 5 Years No Limit None Fully Taxable

POST OFFICE SCHEMES Revised Rate of Interest w.e.f 01/12/2011)Invest Today in Solid, Safe & Secure Safe Money Sound Returns

Note : Subject to changes if any from Government of India Ministry of Communications & IT Department of Posts

Feature

Visit : www.guptainvestments.com

Happy New Year

2012

Page 3: 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

January - 2012 Page : 3GUPTA PUBLICATION

Scheme Name 1 Month 2 Months 3 Months 5 Months 1YearsNAV (13-Dec-11) Launch Date

Mutual Fund Update

HDFC Cash Mgmt Fund - Treasury Advantage -

Ret - Mthly Div 10.0843 4/2007 0.6461 1.2044 1.8188 3.7261 7.5008

Kotak Floater - LT - Mthly Dividend 10.0546 13/8/2004 0.6127 1.3161 1.9691 3.9611 7.9411

Reliance Money Manager Fund - Retail -

Mthly Dividend 1013.5117 20/3/2007 0.6667 1.2654 1.9004 3.8527 7.7101

Tata Floater Fund - Weekly Div 10.0807 6/9/2005 0.6942 1.3311 2.0043 4.0374 8.031

Templeton India Ultra Short Bond Fund -

Retail - Dividend 10.0106 18/12/2007 0.6818 1.3041 1.9819 3.964 7.8261

23/

Liquid Plus Fund

Scheme Name 1 Month 2 Months 3 Months 5 Months 1YearsNAV (13-Dec-11) Launch Date

Birla Sun Life Short Term Opportunities Fund -

Ret - Growth 16.3048 4/4/2003 0.7651 1.4497 2.163 4.5736 9.2866

HDFC HIF - S T P - Growth 20.5605 6/2/2002 1.1328 1.7962 2.2331 4.824 8.4386

HDFC Short Term Plan - Growth 20.1549 28/2/2002 1.1254 1.7821 2.2049 4.7253 8.5909

ICICI Prudential STIP- Growth 21.7488 2 /2/2003 1.144 1.815 2.3699 5.0783 9.1183

Templeton India STIP - Growth 2083.3707 1/1/2002 0.8258 1.4984 2.2148 4.7426 8.9944

2

5

3

Short Term Income Plan

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

Equity Capital (Rs. Crores) 184.18 203.16 203.54 225.54 226.18 Reserves (Rs. Crores) 882.23 1570.72 2067.57 3609.22 4674.66 Net Profit (Rs. Crores) 190.39 389.82 612.40 873.12 1229.88 Dividend (%) 35% 50% 50% 60% 65% EPS (Basic) (Rs.) 11.01 20.26 30.11 41.09 54.49

INVESTOR

GENERAL

SENIOR CITIZENS

TENURE >

12

24

36

48

60

12

24

36

48

60

Monthly 9.34%

9.80%

10.25%

10.25%

10.25%

9.80%

10.25%

10.71%

10.71%

10.71%

Quarterly 9.41%

9.88%

10.34%

10.34%

10.34%

9.88%

10.34%

10.81%

10.81%

10.81%

Half Yearly

9.52%

10.00%

10.47%

10.47%

10.47%

10.00%

10.47%

10.95%

10.95%

10.95%

Yearly 9.75%

10.25%

10.75%

10.75%

10.75%

10.25%

10.75%

11.25%

11.25%

11.25%

Cumulative 9.75% 10.78% 11.94% 12.60% 13.32% 10.25% 11.32% 12.57% 13.30% 14.08%

Rs. 10000 becomes 10975 12156 13582 15040 16660 11025 12264 13771 15320 17040

Why to Invest in Shriram Group?

² Attractive returns on investment with 100% % security

Decentralized Branch Network

Regular communication with the investors a about the progress of the Group through quarterly news letter Shriram News

Proven Track Record of more than 3 decades

Multiple Financial Services under one roof (Financial Supermarket)

Wide Spread dedicated Agency Network

²

²

²

²

²

FINANCIAL HIGHLIGHTS

RATE OF INTEREST : STARIGHT BOND

Why to Invest in Shriram Transport Finance Co.?

Products financed are Earning assets

Low gestation period

Cash & carry business

Risk spread throughout the country

Asset is secured by Insurance

Unique Registration / Identification no.

Movable asset hence easy to reposes

²

²

²

²

²

²

²

Disclaimer - Please Read the Offer Documents Before Investing. Interest rates for Subject to change if any, please confirm

Private Placement of Bonds in the nature of Secured Redeembale Non-Convertible Debentures (NCDs)

Visit : www.guptainvestments.com

Happy New Year

2012

Page 4: 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

January - 2012 Page : 4GUPTA PUBLICATION

LIC’s Jeevan Saral (T-165)

Monthly Saving - Scheme

Premium Mode Monthly Monthly Monthly Monthly Monthly Monthly Monthly

Premium Rs. 250 Rs. 400 Rs. 500 Rs. 1,000 Rs. 2,000 Rs. 5,000 Rs. 10,000

Risk Cover 62,500 1,00,000 1,25,000 2,50,000 5,00,000 12,50,000 25,00,000

Term Year Wise Return10 53227 85162 106452 212904 425808 1064520 2129040

11 62526 100041 125051 250101 500203 1250505 2501010

12 72683 116293 145366 290733 581465 1453665 2907330

13 84085 134536 168170 336340 672680 1681700 3363400

14 96820 154912 193640 387280 774560 1936400 3872800

15 111099 177759 222198 444397 888794 2221985 4443970

16 125842 201347 251683 503366 1006733 2516830 5033660

17 141986 227176 283970 567940 1135880 2839700 5679400

18 159705 255528 319410 638819 1277638 3194095 6388190

19 179095 286552 358190 716380 1432760 3581900 7163800

20 200370 320592 400740 801480 1602960 4007400 8014800

21 223646 357833 447291 894583 1789166 4472915 8945830

22 249179 398687 498358 996716 1993433 4983580 9967160

23 277110 443375 554219 1108438 2216876 5542190 11084380

24 307749 492398 615497 1230995 2461989 6154975 12309950

25 341275 546040 682551 1365101 2730202 6825505 13651010

26 378058 604892 756115 1512229 3024459 7561145 15122290

27 418315 669304 836630 1673259 3345518 2366295 16732590

28 462488 739980 924976 1849951 3699902 9249755 18499510

29 510947 817515 1021894 2043788 4087577 10218940 20437880

30 564128 902604 1128256 2256511 4513022 11282555 22565110

Age : 30 Years

Jeevan AnandLIC’s

The top selling plan of LIC across India

• 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

Page 5: 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

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

Page 6: 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

January - 2012 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.

, G

91-22-2639 5714

(M) 98202 37690

91-22-2633 8819 / 2635 0236

G

Fax : 91-22-2632 5363

E-mail : [email protected]

Website : www.guptainvestments.com

“Quality Investment under one roof ”

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

Interest Payment Annual Annual

Date of Interest Payment 31st March 30th June

Coupon Rate w.e.f. 1/11/08 6 % payable annually 6 % payable annually

Dimpi Printers,Azad Road, Gundavali, Behind Ganesh-Motor Training School, Andheri (E),

Mumbai-400 069. & Published at Office no 22, 1st Floor, R. N. A. Arcade,

Lokhandwala Complex, Andheri (W) Mumbai 400 053. Term Assurance from LIC with

return of Premium after 6 years +

Life long risk cover along with

Loan Facility.

Invest Rs. 10000/- p.m. and get Rs. 2 Crore

25 Lacs from LIC with risk cover of

Rs. 25 Lacs. No market Risk.

Invest Rs. 5000/- p.m. and

get Rs. 1 Crore 12 Lacs from LIC with

risk cover of Rs. 12,50,000/-

No market Risk.

Life Insurance Solutions

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Happy New Year

2012