- 1. Products and Services of ICICI Securities 1. Equity
Definition of Equity: 1.A stock or any other security representing
an ownership interest. 2. On a company's balance sheet, the amount
of the funds contributed by the owners (the stockholders) plus the
retained earnings (or losses). Also referred to as "shareholders'
equity". 3.In the context of margin trading, the value of
securities in a margin account minus what has been borrowed from
the brokerage. 4. In the context of real estate, the difference
between the current market value of the property and the amount the
owner still owes on the mortgage. It is the amount that the owner
would receive after selling a property and paying off the mortgage.
DefinitionofTrading: Trading is the process of buying and selling
securities. The procedure of trading consists of two processes,
i.e. Delivery (when securities are sold) and Receipt (when
securities are purchased). These two processes can be understood as
follows:
2. Forms of Trading Trading can be of following two types: A)
Delivery Base B) Intra-day A) Delivery-based Trading: Delivery
based trading is normally considered as a safer approach for
trading in shares when compared to day trading. Delivery based
trading involves buying shares on a market day and selling them
only after receiving the delivery of those shares in demat account.
Things Investors Should Know About Trading Standing Instruction In
order to receive credit into the demat account it is important to
submit the "Receipt-in form", which is similar to filling in pay-in
slips to receive credit into your bank account. Standing
Instruction is a facility provided for the convenience of the
investors, where in an investor who has opted for this facility
doesn't need to submit the receipt in forms every time he wants to
buy securities. However, this facility is discretionary and can be
availed only when an investor opts for it. Delivery Instruction
Slip (DIS) DIS of a depository account is similar to a cheque book
of a bank account, which is needed to be submitted by the investor
whenever he wants to sell securities. B) Intraday: Another way of
saying "within the day". Intraday price movements are particularly
important to short-term traders looking to make many trades over
the course of a single trading session. The term intraday is
occasionally used to describe securities that trade on the markets
during regular business hours, such as stocks and ETFs, as opposed
to mutual funds, which must be bought from a dealer. 3. Trading in
shares Various options offering by ICICIdirect.com while trading in
shares Cash Trading: This is a delivery based trading system, which
is generally done with the intention of taking delivery of shares
or monies. Margin Trading: Client can also do an intra-settlement
trading upto 3 to 4 times on available funds, wherein client take
long buy/ short sell positions in stocks with the intention of
squaring off the position within the same day settlement cycle.
MarginPLUSTrading : Through MarginPLUS client can do an
intra-settlement trading up to 25 times on available funds, wherein
client can take long buy/ short sell positions in stocks with the
intention of squaring off the position within the same day
settlement cycle. MarginPLUS will give a much higher leverage in
client account against limits. CallNTrade: CallNTrade allows the
clients to call on a local number in your city & trade on the
telephone through our Customer Service Executives. This facility is
currently available in over 11 major states across India. Trading
on NSE/BSE: Through ICICIdirect.com, Clients can trade on NSE as
well as BSE. Market Order: Clients can trade by placing market
orders during market hours that allows you to trade at the best
obtainable price in the market at the time of execution of the
order. Limit Order: It allows the clients to place a buy/sell order
at a price defined by them. The execution can happen at a price
more favorable than the price, which is defined by clien, limit
orders can be placed by client during holidays & non market
hours too. Derivatives Derivatives Definition:The term Derivative
stands for a contract whose price or value is derived from or is
dependent upon an underlying asset Types of Derivative Contracts
Forwards (OTC) Futures (Exchange Traded) Options (OTC and Exchange
Traded) Swaps (OTC) 4. Over-the-Counter (OTC):A computer-and
telephone-linked network of dealers at financial institutions,
corporations, and fund managers Exchange traded:Traditionally
derivatives exchanges have used the open-outcry system, but
increasingly they are switching to electronic trading. FUTURES
Through ICICIdirect.com, you can now trade in index and stock
futures on the NSE. In futures trading, you take buy/sell positions
in index or stock(s) contracts having a longer contract period of
up to 3 months. Trading in FUTURES is simple! If, during the course
of the contract life, the price moves in your favour (i.e. rises in
case you have a buy position or falls in case you have a sell
position), you make a profit. Presently only selected stocks, which
meet the criteria on liquidity and volume, have been enabled for
futures trading. Calculate Index and Know your Margin are tools to
help you in calculating your margin requirements and also the index
& stock price movements. The Centre for Financial Learning is a
comprehensive guide on futures and options trading. OPTIONS An
option is a contract, which gives the buyer the right to buy or
sell shares at a specific price, on or before a specific date. For
this, the buyer has to pay to the seller some money, which is
called premium. There is no obligation on the buyer to complete the
transaction if the price is not favorable to him. To take the
buy/sell position on index/stock options, you have to place certain
% of order value as margin. With options trading, you can leverage
on your trading limit by taking buy/sell positions much more than
what you could have taken in cash segment. The Buyer of a Call
Option has the Right but not the Obligation to Purchase the
Underlying Asset at the specified strike price by paying a premium
whereas the Seller of the Call has the obligation of selling the
Underlying Asset at the specified Strike price. The Buyer of a Put
Option has the Right but not the Obligation to Sell the Underlying
Asset at the specified strike price by paying a premium whereas the
Seller of the Put has the obligation of Buying the Underlying Asset
at the specified Strike price. By paying lesser amount of premium,
you can create positions under OPTIONS and take advantage of more
trading opportunities. 5. Currency Derivatives Forex Definition:
Foreign exchange is the simultaneous buying of one currency and
selling of another. Currencies are traded through a broker or
dealer and are executed in currency pairs. For example: the Euro
and the US Dollar (EUR/USD) or the British Pound and the Japanese
Yen (GBP/JPY). The Foreign Exchange Market (Forex) is the largest
financial market in the world, with a daily volume of over $4
trillion. This is more than three times the total amount of the
stocks and futures markets combined. Unlike other financial
markets, the Forex spot market has neither a physical location nor
a central exchange. It operates through an electronic network of
banks, corporations, and individuals trading one currency for
another. The lack of a physical exchange enables the Forex market
to operate on a 24-hour basis, spanning from one time zone to
another across the major financial centers. This fact - that there
is no centralized exchange - is important to keep in mind as it
permeates all aspects of the Forex experience. Currency trading:
Trade is an international business and for any trade payments are
settled in Currencies, which are specific to the countries/regions
involved. Whenever any Currency is bought or sold for another, the
transaction is known as 'Currency trading'. Currency trading is the
largest financial market globally, followed by Commodities and
Equities. Investors, speculators and corporate are involved in
cross-border Currency trade OTC Market: OTC is short for
'over-the-counter'. The OTC market has no central marketplace and
is linked to a network of dealers/traders who do not physically
meet but, instead, communicate through phone and computer networks.
OTC contracts are customized contracts, based on negotiations
between the counter-parties. In the case of OTC markets, the
counter-party default risk depends on the counter-party
creditworthiness, among other factors. Exchange Traded Currency
Derivatives: Exchange Traded Currency Derivatives provide greater
access for market participants, be it investors, speculators or
corporate who may want to trade Currencies to hedge their Currency
risk. Exchange Traded Currency Derivatives offer efficient risk
management mechanisms and provide a transparent trading platform,
with no chance of anybody dealing with insider information. 6.
Currency Derivatives are known for their efficiency in price
discoveries providing immunity from counter- party credit risks.
They also provide access to all types of market participants and
make it an easy-to-use financial instrument by offering
standardized products and settlement cycles. In Currency
Derivatives, even small orders, ie up to one contract or USD 1,000,
can be executed. Exchange Traded Currency Futures: The Exchange
Traded Currency Futures contract is an agreement to buy or sell the
underlying Currency on a specified date in the future and at a
specified rate. The underlying asset for a Currency Futures
contract is a Currency. The Exchange's clearing house acts as a
central counter-party for all trades and thus, takes on a
performance guarantee. Currency Futures - Currency Futures contract
What is a Currency Futures contract? A Currency Futures contract is
a standardized version of a Forward contract that is traded on a
regulated Exchange. It is an agreement to buy or sell a specified
quantity of an underlying Currency on a specified date in the
future at a specified rate. Who can participate in the Currency
Futures market? Any Indian resident or company, including banks and
financial institutions, can participate in the Currency Futures
market. At present, Foreign Institutional Investors (FII's) and
Non- Resident Indians (NRI's) are not permitted to participate in
the Currency Futures market in India. Participants in the Currency
Derivatives segment can be classified in two broad categories: a.
Hedgers Foreign Currency markets have been volatile in recent times
due to various geo-political uncertainties. In order to ensure that
profits for any business are not depleted due to fluctuations in
the Currency exchange rate, hedging Currency risk can be an
excellent tool. Large corporate, small and medium enterprises
(SME's) and individual businessmen, apart from the general
investing public, are increasingly exposed to the global markets.
Hence, protecting against Forex risk is becoming more significant.
7. b. View-base traders Currency Futures provide view-based traders
with an efficient platform to observe the movements of the local
Currency (INR) against other Currencies. These traders can trade
based on various technical indicators, fundamental factors,
economic and policy- based news and developments on the global
stage. Can Currency Futures help small traders? Yes. The minimum
size of a USD/INR Futures contract is USD 1,000 (about INR56,000
considering 1Dollar= Rs 56). All transactions on the Exchanges are
anonymous and are executed on a price-time priority. This means
that the best price is available to all categories of market
participants irrespective of their trading size. Another
interesting aspect is the fact that the profits/losses in the
Futures market are collected/paid on a daily basis, which limits
the scope for losses for participants. I do not have any exposure
to Forex risk. Does a Currency Futures exchange mean anything to
me? Yes. You can benefit from the exchange rate fluctuations just
as you can benefit by investing in Commodities and/or Equities.
However, you also stand to lose money if price movements are not in
line with your expectations. Trading Currency Futures is risky,
just as Commodities and/or Equities. You should, therefore, be
knowledgeable about the Currency market if you want to participate
in it. How do Exchange Traded Currency Futures enable hedging
against Currency risk? On a Currency exchange platform you can buy
or sell Currency Futures. If you are an importer, you can buy
Futures to 'lock in' a price for your purchases at a future date.
You thus avoid exchange rate risk. If you are an exporter, you sell
Currency Futures on an exchange platform and 'lock in' a sale price
at a future date. What are the risks involved in the Currency
Futures market? Risks in Currency Futures relate to movements in
Currency exchange rates. There is no standard rule to determine
whether the Currency exchange rate will rise or fall or remain
unchanged in the future. A judgment on this is the domain of
experts with deep knowledge and understanding of the variables that
affect Currency rates. What are the factors that affect the
exchange rate of Currencies? A country's exchange rate is typically
affected by the supply of and demand for the country's Currency in
the international Forex market. The demand-and-supply dynamics is
principally 8. influenced by factors such as interest rates,
inflation, trade balance and political and economic scenarios in
the country. The level of confidence in the economy of a particular
country also influences the Currency of that country. What
Currencies can be traded on the Exchanges? In India, currently only
USD/INR, EUR/INR, GBP/INR and JPY/INR are available for trading on
various Exchanges. What is Hedging? Hedging is a mechanism by which
the participants in the physical/cash markets can cover their price
risk. The relationship between the futures and cash prices is
determined by cost of carry. The two prices therefore move in
tandem. This enables the participants in the physical/cash markets
to cover their price risk by taking opposite position in the
futures market. Why one must hedge his foreign currency Risk? To
mitigate Exchange rate risk: Fluctuations in the exchange rate of
currencies give rise to exchange rate risk. As the time gap between
finalizing an export/import order and receiving/making payment
against it widens, the possibility of fluctuation of exchange rate
rises. A hedge helps in protecting businesses from unfavorable
fluctuations. To avail the following benefits: It brings certainty
in business- you would know the precise exchange rate at which your
receivables/payables will be converted. Helps in estimating
receipts and payments-once you are aware of one side on the P/L you
can plan the other. Business is immune to any further movement in
currency markets, thus Relieving itself of the exercise of tracking
currency market. Participant Risk Underlying Position Hedging
Position Importer Currency of Import will strengthen Buyer of
Currency of Import Long in Currency of Import Exporter Currency of
Export will weaken Seller of Currency of Export Short in Currency
of Export Difference between Futures and Forwards Attribute Forward
Contracts in OTC Market Exchange-Traded Currency Futures Contracts
Accessibility Interbank market accessed through telephone Online
electronic trading through Internet Price Transparency High bid-ask
spread due to high transaction cost owing to bank charges
Transparent online trading platform ensures uniform real-time price
access for all market participants 9. Contract Size Customized.
Banks prefer forward contracts for at least USD 1 million Standard
futures contract lot size as low as USD 1,000 Credit Exposure
Counterparty default risk exists No counterparty default risk as
exchange clearing house guarantees settlement Settlement Settlement
only on maturity date in case of profits from cancelled forward
contracts. Loss to be paid immediately Settlement only in INR based
on mark- to-market T+1 day basis Proof of underlying Mandatory as
per RBI guidelines Not required Not required Margin Deposits
Compensating bank balances or credit lines needed (such as FD, bank
guarantee, etc.) Ranges from 5% to 10% depending on the credit
profile of client Margins are low as compare to forward market.
Tracked on real-time basis using Value-at-Risk (VaR) measures and
SPANTM Factors to be tracked by Exporters and Importers for
movement of Currency Impact of factors on USDINR exchange rate
Events likely to impact USD / INR General Trend for Demand / Supply
of USD Impact on USD Impact on INR Increase in Imports of India
Demand for USD increases Appreciates Depreciates Increase in
Exports of India Excess inflow of USD into the country Depreciates
Appreciates Increase in global prices of commodities Demand for USD
increases due to costlier imports Appreciates Depreciates Foreign
Institutional investors are buying back USD Excessive USD Outflow
Appreciates Depreciates RBI is Selling USD to meet demand for the
Dollar Supply of USD Increases Depreciates Appreciates RBI is
buying USD to absorb excess USD due to forex inflows Absorption of
excess USD liquidity Appreciates Depreciates NRI forex remittance
is increasing Increase in USD inflow Depreciates Appreciates
Positive Trade Balance ( Exports are greater than imports) Increase
in USD inflow Depreciates Appreciates What is meant by End of
Day-Mark To Market (EOD MTM) margin? Daily EOD MTM is a regulatory
aspect of Currency futures Settlement Process. Every day the
settlement of open Currency Futures position takes place at the
Settlement Price declared by the exchanges for that 10. day. The
Base price of the Open Positions is compared with the Settlement
price and difference is cash settled the next day. In case of
profit/loss in EOD MTM, Limits are increased/reduced by the amount
of profit/loss net of applicable brokerage, taxes, statutory
charges. The position is carried forward to the Next day at the
previous trading day's Settlement price at which last EOD MTM was
run. Settlement price for all the contracts are provided by
exchange after making necessary adjustment for abnormal price
fluctuations. It is the weighted average price of the last half an
hour trading on the exchange. Is it compulsory to square off the
position before expiry date of contract? No. You need not square
off your position till the contract expires. In case there is no
instruction from client's side, then position would be closed at
the final settlement price as per the current regulations. The
Final Settlement price shall be the Reserve Bank Reference Rate on
the last trading day of such currency derivative contract, or as
may be specified by the relevant authority from time to time.
Margin blocked on such expired position will also be released and
added into your trading limits after adjusting profit/loss,
applicable brokerage, taxes and statutory levies on close out. What
is going short and going long on the market? These are technical
words in trading. If we buy the underlying, then it is said that we
are going long on the market, and if we sell the underlying, then
it is said that we are going short on the market. Currency
Derivatives ICICI Direct offers you a simple and convenient way to
trade and hedge your currency risk in four pair of Currencies-
Dollar, Euro, Pound and Japanese Yen against Indian Rupee. By
offering you the choice of trading in different asset class of
Currencies we offer you the opportunity to diversify your portfolio
The benefits of choosing ICICI Direct for your Currency Trading
are: Convenience - Provides a well diversified set platform for
online trading with competitive brokerage under a single sign-on
and completely paper-less investing experience Expertise - You can
access to our Daily Research Reports as well as Fundamental &
Technical Reports and Advisory. Flexibility - You can select the
Currency Pair USD/INR, EUR/INR, GBP/INR and JPY/INR in which you
wish to trade 11. Few Advantages of this market are 1. Trading
hours of 09:00 am to 05:00 pm provide more trading opportunities 2.
Trade in prominent currencies like US Dollar, EURO, Pound, Yen
against Indian Rupee 3. Real time and Transparent Currency Rates in
comparison to OTC Rates. 4. No Counterparty Default risk due to
settlement guarantee by regulated clearing house. 5. Low Taxation (
No STT and CTT) 6. Daily Cash Settlement in INR via MTM (Mark to
Market) Currency Futures - An Assets Class If you have an ICICI
Direct account, login to your account and select the Currency
Segment Section If the Currency Segment section is not enabled
either you have not opted for the facility or may not be KYC
(Know-Your-Customer) Compliant. KYC is mandatory for all
investments in Currency Futures as per the Securities and Exchange
Board of India (SEBI). If you do not have an account with ICICI
Direct, help us open your account and experience the world of
online investing. Please click here for account opening. What is a
Mutual Fund Like most developed and developing countries the mutual
fund cult has been catching on in India. There are various reasons
for this. Mutual funds make it easy and less costly for investors
to satisfy their need for capital growth, income and/or income
preservation. And in addition to this a mutual fund brings the
benefits of diversification and money management to the individual
investor, providing an opportunity for financial success that was
once available only to a select few. Understanding Mutual funds is
easy as it's such a simple concept: a mutual fund is a company that
pools the money of many investors -- its shareholders -- to invest
in a variety of different securities. Investments may be in stocks,
bonds, money market securities or some combination of these. Those
securities are professionally managed on behalf of the
shareholders, and each investor holds a pro rata share of the
portfolio -- entitled to any profits when the securities are sold,
but subject to any losses in value as well. For the individual
investor, mutual funds provide the benefit of having someone else
manage your investments and diversify your money over many
different securities that may not be available or affordable to you
otherwise. Today, minimum investment requirements on many funds are
low enough that even the smallest investor can get started in
mutual funds. 12. A mutual fund, by its very nature, is diversified
-- its assets are invested in many different securities. Beyond
that, there are many different types of mutual funds with different
objectives and levels of growth potential, furthering your chances
to diversify. What is an Asset Management Company? An Asset
Management Company (AMC) is a highly regulated organisation that
pools money from investors and invests the same in a portfolio.
They charge a small management fee, which is normally 1.5 per cent
of the total funds managed. What is NAV? NAV or Net Asset Value of
the fund is the cumulative market value of the assets of the fund
net of its liabilities. NAV per unit is simply the net value of
assets divided by the number of units outstanding. Buying and
selling into funds is done on the basis of NAV-related prices
Mutual Funds ICICI Direct offers you a simple and convenient way to
invest and manage your personal finance with over 2000 funds
approximately. By offering you the choice of the various funds we
partner with, we offer you the opportunity to diversify your
portfolio ICICI Direct offers an efficient way to investing The
benefits of choosing ICICI Direct for your financial planning are:
Convenience - Provides a well diversified set of investment
products under a single sign-on and completely paper-less investing
experience Expertise - You can access some of the researched funds
selected based on rigorous criterion Flexibility - You may select
the fund that best suits your need Pick the investment that is
right for you Since the process of selecting the right mutual fund
may feel complex and tedious, our experts have researched the funds
and using certain criterion have created a choice of funds. 13. You
may choose to invest in the choice of funds suggested by our
experts or may build your own portfolio Mutual Fund Investing If
you have an ICICI Direct account, login to your account and select
the Mutual Fund selection If the Mutual Fund section is not enabled
either you have not opted for the facility or may not be KYC
(Know-Your-Customer) Compliant. KYC is mandatory for all
investments in Mutual Fund as per the Securities and Exchange Board
of India (SEBI). If you do not have an account with ICICI Direct,
help us open your account and experience the world of online
investing. Please click here for account opening. Getting started
Our online service is ever evolving and offers you facilities like
making a lump sum investment, redemption, switches within same
funds, setting up systematic investment plans etc. You can start
with as little as Rs.500 when you start a Systematic Investment
Plan or Rs.5,000 if you are looking for a lump sum investment To
know more on how SIP is beneficial and a disciplined investment
approach, please click here. How does an ETF work ETF's are
essentially the same as Mutual Funds but they trade like individual
stocks. The price of a mutual fund scheme is determined by its Net
Asset Value (NAV) at the end of a trading day. The price of an ETF
fluctuates throughout the trading day as they are traded during the
trading hours on a stock exchange. 14. Types: Index Exchange Traded
Funds are the oldest and most common of the ETF product offerings.
Index ETFs acquire securities in amounts that proportionately
reflect the securities of an existing index in a given market.By
investing in them an investor can get the benefit of broad
diversification that replicates the performance of the underlying
index. Gold: Gold ETFs provide investors the route of participation
in the bullion market without the necessicity of taking physical
delivery of gold. The units of these ETFs can be bought or sold at
the stock exchange where it is listed on a real-time basis.
Investing in physical gold requires large amounts of money, whereas
Gold ETFs allow investments in small denominations through
Systematic Investment Plans (SIPs). Prices of gold ETFs move hand
on hand with that of physical gold. When the price of gold moves
up, the value of ETFs appreciates and vice versa 15. Bank: Bank
ETFs invests in stocks of banks listed on the index that it
follows. Bank exchange traded funds are extremely volatile and
maintain a high liquidity. Banks are the epicenter of all the
financial activities, be it the forex market, credit market or
others. Due to its high volatility and liquidity, bank ETFs can be
easily traded on margins. Smaller or big traders can easily track
the price movements and go short or long depending on the favorable
situations. Liquid: Liquid ETFs try to enhance returns and minimize
price risk by investing in a basket of call money, short- term
government securities and money market instruments of short
maturities while maintaining safety and liquidity. International An
international ETF is an ETF that invests in foreign based
securities. They are invested passively around an underlying index,
but the index may vary substantially from one fund manager to
another. Some funds, especially those with a wide global footprint
can provide strong diversification by investing in hundred of
companies. How to buy ETF's Lumpsum Purchase If you have decided
which ETF is right for you, you can choose to buy them just like
you would buy an individual stock. To obtain the list of ETF's
please click here Because ETFs trade like stocks, you will be
charged a commission for each trade. ETF SIP ETF - SIP is
first-of-its-kind comprehensive facility that provides an
opportunity to invest systematically and in a disciplined manner in
specified ETFs (Exchange Traded Funds) 16. ETF - SIP averages the
cost of purchase and help accumulate wealth over a long period of
time Term life insurance ensures thatyour familyreceives a large
lump sum amount, called the sum assured, in the unfortunate event
of death of the policyholder. By offering this benefit at extremely
competitive rates, Term insurance plans provide an opportunity to
get the protection of insurance cover at extremely affordable
prices. Choose life cover as per your needs. Buy Online and cover
your life instantly. PRODUCT SUITABILITY FEATURES ACTION Min/Max
age at entry 18/59 years For Any one who is looking to
financiallysecure his/her family at a low cost A non-participating
term insurance plan Provide Financial Protection to your family,
Get life cover of up to Rs. 1 crore (Sum Assured) No medicals
required, No increase in premiums Get Additional cover uptoRs. 50
Lakh against accidental death 96.53% claims settlement ratio as per
IRDA annual report for the FY 2011-12 Buy Online in just 10
minutes. Please read the brochure carefully to know all the product
features in details Disclaimer : ICICI Securities Ltd., Corporate
Agent of ICICI Prudential & ICICI Lombard, Composite Corporate
Agent License No. 2613930. Registered office of I-Sec is at ICICI
Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate,
Mumbai - 400020, India. Insurance is the subject matter of
solicitation. ICICI Securities does not underwrite the risk or act
as an insurer. Nothing contained on the Website shall constitute or
be deemed to constitute an advice, an offer to purchase or an
invitation or solicitation to undertake any activity or enter into
any transaction relating to the Insurance Products. Important
points for Unit Linked Insurance Plans: On surrender after
completion of five years, the surrender value will be the Fund
Value including Top up Fund Value, if any. Unit linked Insurance
products do not offer any liquidity during the first five years of
the contract. The Policyholder will not be able to
surrender/withdraw the monies invested in unit linked insurance
products completely or partially till the end of the fifth year.
Unlike traditional products, unit linked insurance products are
subject to market risk, which affect 17. the Net Asset Values and
the customer shall be responsible for his/her decision. The names
of the Company, product names or fund options do not indicate their
quality or future guidance on returns. Funds do not offer
guaranteed or assured returns. General disclaimers (for ULIPs and
Non-ULIPs) Tax benefits under the policy are subject to conditions
under Sec. 80C and Sec 10(10D) of the Income Tax Act, 1961, and are
subject to any amendments made there to from time to time. Service
tax & education cess will be charged extra as per applicable
rates. Tax laws are subject to amendments from time to time. 2013,
ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI
Prulife Towers, 1089, AppasahebMaratheMarg, Prabhadevi, Mumbai
400025. Reg No: 105. Insurance is the subject matter of the
solicitation. For more details on risk factors, terms and
conditions, please read the sales brochure carefully before
concluding a sale. ICICI PruiCare, Form No.: T29 -ICICI PruiCare SP
Option I; T30 - ICICI PruiCare SP Option II; T31 - ICICI PruiCare
RP Option I; T32 - ICICI PruiCare RP Option II. UIN - 105N122V01,
ICICI Pru Savings Suraksha Form No.: E11, E12. UIN: 105N135V01,
ICICI Pru Cash Advantage Form No.: E10, UIN:105N132V01, ICICI Pru
Easy Retirement UIN:105L133V01, ICICI PruSmartKid Premier Form No.
U82; UIN - 105L120V01. The contract of insurance is with ICICI
Prudential Life Insurance Company Limited, who is liable for all
valid claims on the policy. ICICI Securities Ltd customer's
participation in the policy is entirely voluntary. Advt no.
W/II/916/2013-14 Wealth insurance ensures that you receive a lump
sum amount of money at the maturity of the Policy. In the
unfortunate event of death during the term of the policy, your
family receives lump sum amount, called the Sum Assured. Thus it
combines the benefits of protection and saving in a single
instrument. PRODUCT SUITABILITY FEATURES ACTION Min/Max age at
entry 5Pay - 3 ; 7pay - 1 ; 10PAY - 0 / 65 years For anyone who is
looking for Guaranteed regular income A savings and protection
oriented plan Pay premiums for just 5 , 7 or 10 years Get
Guaranteed Cash Benefits for next 10 years. Guaranteed Maturity
Benefit plus bonuses at maturity for your long term goals. Life
cover to protect your family's future Please read the brochure
carefully to 18. know all the product features in details Min/Max
age at entry 0/60 years For any one who is looking for guarantee in
a savings cum Insurance plan A participating savings and protection
oriented plan Guaranteed Maturity Benefit + Guaranteed Additions at
maturity Pay premiums for a limited period or for the entire policy
term. Also get, Vested reversionary bonus or Terminal Bonus, if
any, at maturity Financial Protection for your family with Life
Cover. Please read the brochure carefully to know all the product
features in details Disclaimer : ICICI Securities Ltd., Corporate
Agent of ICICI Prudential & ICICI Lombard, Composite Corporate
Agent License No. 2613930. Registered office of I-Sec is at ICICI
Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate,
Mumbai - 400020, India. Insurance is the subject matter of
solicitation. ICICI Securities does not underwrite the risk or act
as an insurer. Nothing contained on the Website shall constitute or
be deemed to constitute an advice, an offer to purchase or an
invitation or solicitation to undertake any activity or enter into
any transaction relating to the Insurance Products. Important
points for Unit Linked Insurance Plans: On surrender after
completion of five years, the surrender value will be the Fund
Value including Top up Fund Value, if any. Unit linked Insurance
products do not offer any liquidity during the first five years of
the contract. The Policyholder will not be able to
surrender/withdraw the monies invested in unit linked insurance
products completely or partially till the end of the fifth year.
Unlike traditional products, unit linked insurance products are
subject to market risk, which affect the Net Asset Values and the
customer shall be responsible for his/her decision. The names of
the Company, product names or fund options do not indicate their
quality or future guidance on returns. Funds do not offer
guaranteed or assured returns. General disclaimers (for ULIPs and
Non-ULIPs) Tax benefits under the policy are subject to conditions
under Sec. 80C and Sec 10(10D) of the Income Tax Act, 1961, and are
subject to any amendments made there to from time to time. Service
tax & education cess will be charged extra as per applicable
rates. Tax laws are subject to amendments from time to time. 19.
2013, ICICI Prudential Life Insurance Co. Ltd. Registered Address:
ICICI Prulife Towers, 1089, AppasahebMaratheMarg, Prabhadevi,
Mumbai 400025. Reg No: 105. Insurance is the subject matter of the
solicitation. For more details on risk factors, terms and
conditions, please read the sales brochure carefully before
concluding a sale. ICICI PruiCare, Form No.: T29 -ICICI PruiCare SP
Option I; T30 - ICICI PruiCare SP Option II; T31 - ICICI PruiCare
RP Option I; T32 - ICICI PruiCare RP Option II. UIN - 105N122V01,
ICICI Pru Savings Suraksha Form No.: E11, E12. UIN: 105N135V01,
ICICI Pru Cash Advantage Form No.: E10, UIN:105N132V01, ICICI Pru
Easy Retirement UIN:105L133V01, ICICI PruSmartKid Premier Form No.
U82; UIN - 105L120V01. The contract of insurance is with ICICI
Prudential Life Insurance Company Limited, who is liable for all
valid claims on the policy. ICICI Securities Ltd customer's
participation in the policy is entirely voluntary. Advt no.
W/II/916/2013-14 Disclaimer : ICICI Securities Ltd., Corporate
Agent of ICICI Prudential & ICICI Lombard, Composite Corporate
Agent License No. 2613930. Registered office of I-Sec is at ICICI
Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate,
Mumbai - 400020, India. Insurance is the subject matter of
solicitation. ICICI Securities does not underwrite the risk or act
as an insurer. Nothing contained on the Website shall constitute or
be deemed to constitute an advice, an offer to purchase or an
invitation or solicitation to undertake any activity or enter into
any transaction relating to the Insurance Products. Important
points for Unit Linked Insurance Plans: On surrender after
completion of five years, the surrender value will be the Fund
Value including Top up Fund Value, if any. Unit linked Insurance
products do not offer any liquidity during the first five years of
the contract. The Policyholder will not be able to
surrender/withdraw the monies invested in unit linked insurance
products completely or partially till the end of the fifth year.
Unlike traditional products, unit linked insurance products are
subject to market risk, which affect the Net Asset Values and the
customer shall be responsible for his/her decision. The names of
the Company, product names or fund options do not indicate their
quality or future guidance on returns. Funds do not offer
guaranteed or assured returns. General disclaimers (for ULIPs and
Non-ULIPs) Tax benefits under the policy are subject to conditions
under Sec. 80C and Sec 10(10D) of the Income Tax Act, 1961, and are
subject to any amendments made there to from time to time. Service
tax & education cess will be charged extra as per applicable
rates. Tax laws are subject to amendments from time to time. 20.
2013, ICICI Prudential Life Insurance Co. Ltd. Registered Address:
ICICI Prulife Towers, 1089, AppasahebMaratheMarg, Prabhadevi,
Mumbai 400025. Reg No: 105. Insurance is the subject matter of the
solicitation. For more details on risk factors, terms and
conditions, please read the sales brochure carefully before
concluding a sale. ICICI PruiCare, Form No.: T29 -ICICI PruiCare SP
Option I; T30 - ICICI PruiCare SP Option II; T31 - ICICI PruiCare
RP Option I; T32 - ICICI PruiCare RP Option II. UIN - 105N122V01,
ICICI Pru Savings Suraksha Form No.: E11, E12. UIN: 105N135V01,
ICICI Pru Cash Advantage Form No.: E10, UIN:105N132V01, ICICI Pru
Easy Retirement UIN:105L133V01, ICICI PruSmartKid Premier Form No.
U82; UIN - 105L120V01. The contract of insurance is with ICICI
Prudential Life Insurance Company Limited, who is liable for all
valid claims on the policy. ICICI Securities Ltd customer's
participation in the policy is entirely voluntary. Advt no.
W/II/916/2013-14 In this policy , the investment risk in the
investment portfolio is borne by the policy holder Retirement
insurance ensures that you or your family members receive a regular
pension amount post a retirement date. You have the flexibility to
choose the retirement date and the manner in which you receive the
pension. PRODUCT SUITABILITY FEATURES ACTION Min/Max age at entry
35/70 years For Any one who wants to plan his retirement and create
retirement corpus Build a retirement corpus of your choice and get
regular income post retirement Protect your savings from market
downturns through an assured benefit Enhance your retirement corpus
with guaranteed pension booster Flexible premium payment term
Please read the brochure carefully to know all the product features
in details Disclaimer : ICICI Securities Ltd., Corporate Agent of
ICICI Prudential & ICICI Lombard, Composite Corporate Agent
License No. 2613930. Registered office of I-Sec is at ICICI
Securities Ltd. - ICICI Centre, H. T. Parekh Marg, Churchgate,
Mumbai - 400020, India. Insurance is the subject matter of 21.
solicitation. ICICI Securities does not underwrite the risk or act
as an insurer. Nothing contained on the Website shall constitute or
be deemed to constitute an advice, an offer to purchase or an
invitation or solicitation to undertake any activity or enter into
any transaction relating to the Insurance Products. Important
points for Unit Linked Insurance Plans: On surrender after
completion of five years, the surrender value will be the Fund
Value including Top up Fund Value, if any. Unit linked Insurance
products do not offer any liquidity during the first five years of
the contract. The Policyholder will not be able to
surrender/withdraw the monies invested in unit linked insurance
products completely or partially till the end of the fifth year.
Unlike traditional products, unit linked insurance products are
subject to market risk, which affect the Net Asset Values and the
customer shall be responsible for his/her decision. The names of
the Company, product names or fund options do not indicate their
quality or future guidance on returns. Funds do not offer
guaranteed or assured returns. General disclaimers (for ULIPs and
Non-ULIPs) Tax benefits under the policy are subject to conditions
under Sec. 80C and Sec 10(10D) of the Income Tax Act, 1961, and are
subject to any amendments made there to from time to time. Service
tax & education cess will be charged extra as per applicable
rates. Tax laws are subject to amendments from time to time. 2013,
ICICI Prudential Life Insurance Co. Ltd. Registered Address: ICICI
Prulife Towers, 1089, AppasahebMaratheMarg, Prabhadevi, Mumbai
400025. Reg No: 105. Insurance is the subject matter of the
solicitation. For more details on risk factors, terms and
conditions, please read the sales brochure carefully before
concluding a sale. ICICI PruiCare, Form No.: T29 -ICICI PruiCare SP
Option I; T30 - ICICI PruiCare SP Option II; T31 - ICICI PruiCare
RP Option I; T32 - ICICI PruiCare RP Option II. UIN - 105N122V01,
ICICI Pru Savings Suraksha Form No.: E11, E12. UIN: 105N135V01,
ICICI Pru Cash Advantage Form No.: E10, UIN:105N132V01, ICICI Pru
Easy Retirement UIN:105L133V01, ICICI PruSmartKid Premier Form No.
U82; UIN - 105L120V01. The contract of insurance is with ICICI
Prudential Life Insurance Company Limited, who is liable for all
valid claims on the policy. ICICI Securities Ltd customer's
participation in the policy is entirely voluntary. Advt no.
W/II/916/2013-14 Fixed Deposits & Bonds Corporate Fixed
Deposits:- We offer a range of Corporate Fixed Deposits varying in
tenures, interest rates & institutions to suit your investment
needs. The deposit schemes have been specially chosen from
high-safety 22. options to ensure that you enjoy the twin benefits
of returns and protection. Why opt for Corporate Fixed Deposits? If
your risk appetite is low, fixed deposits are perfect for you.
Since most of the instruments are rated, corporate fixed deposits
have a very high safety level. Attractive returns at interest rates
higher than banks's Fixed Deposits. Higher Interest rates for
senior citizens. High liquidity; most of these issuers offer 75% of
the investment amount as loan @ 2% over the interest rate on the
deposit, as well as a pre-mature withdrawal Option. Potential to
earn compounding interest on your money by reinvesting the
principal amount along with the interest earned. Flexible tenure -
there are various tenures ranging from 1 to 7 years. You can choose
interest frequency; most issuers offer monthly, quarterly, bi
annual and annual cumulative deposits. You get direct ECS credit
facility for interest payments or advance interest warrants for the
year issued by most issuers. Bonds:- Bond refers to a security
issued by a company, financial institution or government which
offers regular or fixed payment of interest in return on the amount
borrowed money for a certain period of time. Submitted by: Sumit
Kumar Singh Asian school of business management Bhubaneswar