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Stock Holding Corporation of India Ltd. (SHCIL) was incorporated as a Public

Limited Company in 1986. It has been jointly promoted and owned by leading

Banks and Financial Institutions viz., IDBI Bank Ltd., ICICI Bank Ltd., SU-UTI,

IFCI Ltd., LIC, GIC, NIA, NIC, UIC, and TOICL, all leaders in their fields of

business. SHCIL began by offering custodial and post trading services, adding

depository services and other services to its portfolio over a period of time.

SHCIL is a Custodian/Professional Clearing Member of derivative segment at the

Bombay Stock Exchange and at the Futures & Options Segment of the NSEIL

respectively. We have developed in-house Back Office systems and procedures

to cater to the needs of various entities in the segment. A dedicated team of

professionals handle derivative operations and assist its clients.

Our Values

Safety & Efficiency of Operations is a hallmark of SHCIL.

Professionalism & Integrity.

Customer First .

Relationship building .

Commitment to Quality irrespective of asset size!

As a professional clearing member, SHCIL performs the following functions:-

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Clearing - Computing obligations of all his TMs i.e. determining positions to

settle.

Settlement - Performing actual settlement.

Collateral Management - Collection of collateral (cash/cash equivalents and

securities), valuation on a regular basis (as per J. R. Varma recommendations)

and setting up exposure limits for TMs and Institutional clients.

Risk Management- Setting position limits based on up front deposits/margins for

each TM and monitoring positions on a continuous basis.

SHCIL has always been a pioneer in clearing and settlement services in the cash

segment at both the exchanges. SHCIL has the capability to handle largevolumes of business with greatest accuracy, keeping customer interests as the

top priority. SHCIL in its endeavour to serve various entities in the derivatives

segment has developed indigenous solution keeping in view the strict regulatory

requirements.

Privacy of each TMs operations strictly maintained :

SHCIL being a professional clearing member has no trading interests in the

derivatives segment. There is strictly no dissemination of information on tradingor any other operation of any of its clients.

One-point contact for all the activities:

SHCILs Derivatives segment is centralized and all operations are handled

by an exclusive derivatives team.

Dedicated team of professionals to handle Derivatives operations:

SHCIL has a well-trained team of professionals supported by best systems, to

handle derivatives operations at NSE and BSE. Clients can approach the team

for troubleshooting, conceptual understanding or any other operational issue

related to derivatives trading.

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Tie-up with banks having nation-wide reach for banking activities :

Since settlement in derivatives trading takes place daily. Funds movement has to

be fast. SHCIL has tie up with banks (HDFC Bank, ICICI Bank, OBC, IDBI

Bank,UTI Bank, Canara Bank etc.) having wide reach and modern facilities like

TT/anywhere banking etc. to contain the time lag in banking transactions.

Network of more than 130 branches to support outstation clients :

SHCIL has nation wide reach with its 130 plus branches across the country to

support outstation clients. SHCILs branches are geared up to provide derivatives

clearing and settlement services to trading members operating from respective

branches.

In built checks and controls:

SHCIL has indigenously designed systems that take care of the stringent

regulatory requirements for derivatives trading in India.

Collateral Management:

SHCIL has excellent system to manage cash/cash equivalents/securities

deposited as collateral for derivatives trading. Clients are informed as and when

expiry of any instrument approaches. Securities are transferred in minimum

possible time. Corporate actions on securities are monitored and clients are

being informed accordingly.

Support from Institutional participants:

SHCIL being a custodian clearing member having major institutional clients like

UTI, IDBI etc. who are also promoters of SHCIL, provides more credibility to its

clients.

Competitive service charges:

SHCIL is the pioneer in introducing Derivatives Clearing and Settlement services

in the country. To promote derivatives trading, the service charges are designed

not become a hindrance for anybody entering this market.

More leverage:

There is no need to block assets worth Rs. 50 lakh as initial margin deposits with

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exchange. Instead a Trading member can take huge exposures by investing the

same amount through a PCM like SHCIL.

Low investments:

Derivatives trading require complying with stringent regulatory requirements and

huge investment in back office systems for a Clearing Member. By choosing a

PCM like SHCIL, a trading member can start trading with very little investment in

back office systems since a PCM takes care of the back office activities.

Institutional Advantage:

Advantage of trading for institutional clients. A trading member can execute

institutional orders without shrinking his own exposure limits as institutional

trades are confirmed online by the respective PCM.

Confidentiality of Trades:

Since SHCIL has no trading rights, the business details of a trading member are

not likely to be misused .There is no overlapping of business interests.

Focus:Due to highly competitive nature of the market, SHCILs service charges arenormally very low and it makes more business sense for a TM to outsource theclearing and settlement activities and focus on the core business of trading.SHCIL's long-standing association with Clearing Members has enabled it to

develop services based on an understanding of their working and theirrequirement for timely and accurate information.

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Main Branch in India

Branch : Mumbai - Kalyan

Address :

Shcil, Gala No. 110,Vasant Vihar Complex, Chandulal Joshi Compound,Opp. Railway Staion, Kalyan(W)PIN : 421301

STD Code : 0251

Telephone : 2315421 , 2315422

Fax : ,

Email : [email protected]

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In Chhattisgarh 5 Branches

Branch : Raipur

Address :

Shcil, 222-223 Rishabh Complex,M.G. Road,RaipurPIN : 492001

STD Code : 0771

Telephone : 2534212 ,

Fax : 4033365 ,

Email : [email protected]

Branch : Bhilai

Address :Shcil, Room No. 8Second Floor, Chouhan EstateSupela,Bhilai (Cg)PIN : 490020

STD Code : 0788

Telephone : 2295355 , 2290454

Fax : 2295355 ,

Email : [email protected]

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Branch : Bilaspur

Address :

B-2,Vrindavan Parisar (Ground Floor)Bus Stand Road, TeliparaBilaspurPIN : 495001

STD Code : 7752

Telephone : 412039 , 412087

Fax : ,

Email : [email protected]

Branch : Dhamtari

Address :

2nd Floor, Limja Parisar,Jagdalpur Road,DhamtariPIN : 493773

STD Code : 07722

Telephone : 230502 , 230505

Fax : ,

Email :

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Branch : Raigarth

Address :

Shcil,First FloorKrishna ComplexLaxmipur, RaigarthPIN : 496001

STD Code :

Telephone : ,

Fax : ,

Email : [email protected]

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SHCIL PRODUCTS

DEMAT ACCOUNT

Introduction

Our Depository Participant services cater to all your individual investment needs.With a parentage of leading financial institutions and insurance majors and aproven track record in the Custodian business, we have reiterated our pastsuccess by establishing ourselves as the first ever and largest DepositoryParticipant in India. From a tentative foray in 1998 into the individual investorarena to servicing around seven lakh accounts, we have endeavored to

constantly add and innovate to make business a pleasure for you.

Matching of your scanned signature on every debit instruction with a digitallyscanned original in our system makes all your trading transactions absolutelysecure. Proactive backup of your instructions prior to execution in the Depositorymakes us oblivious to system crashes.

Dematerialisation is the process of conversion of shares from physical form tothe electronic mode. Our dedicated demat team enable you to convert your

physical holdings in shares/ Debentures/ Bonds/ G-secs into electronic mode in aquick and hassle-free manner.

Demat account is a account in which customer keep their records of the shares,in other word before time record of share was in paper record but now reducingpaper record and physical record converting into electronic form.

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ACCOUNT OPENING

FOR RESIDENT INDIVIDUAL

1. Recent Passport size photograph of the client signed across.2. Copy of PAN Card This also serves as a Proof of

Identification.3. Proof of Residence Preferably copy of Passport, Driving License aRashan Card. If any of these is not available then & then onlywe can accElectric/Telephone bill (not older than 3 months).4. Copy of canceled MICR Cheque (valid only if name of the client is prinon it by Bank) of the Bank Account the detail of which is provided in KYC andcopy of Bank pass book or statement.5. Client Master Report of Demat Account mentioned in KYC. (Normally dont find this with KYC.

FOR HUF

1. Recent Passport size photograph of Karta signed across.2. Copy of PAN Card This also serves as a Proof of Identification.3. Proof of Identification of the Karta (Individual PAN Card also is valid).4. Proof of Residence Preferably copy of Passport, Driving License aRashan Card. If any of these is not available then & then only we can accElectric/Telephone bill (not older than 3 months).5. Copy of canceled MICR Cheque (valid only if name of the client is prinon it by bank) of the Bank Account the details of which is provided in KYC andcopy of bank pass book or statement.6. Client Master Report of Demat Account mentioned in KYC. (Normally dont find this with KYC.7. Declaration in the account opening form, signed by the Karta and

coparceners of HUF.

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FOR MINOR

1. Recent Passport size photographs of the guardian and minor.2. Copy of PAN card of the Minor and guardian.3. Proof of Residence Preferably copy of Passport, Driving License a

Ration Card. If any of these is not available then and then only we can accElectric/Telephone bill (not older than 3 months).4. Copy of Cancelled MICR Cheque (valid only if name of the client is prinon it by bank) of the Bank Account the details of which is provided in KYC andcopy of bank pass book or statement.5. Client Master Report of Demat Account mentioned in KYC. (Normally dont find this with KYC.6. Declaration in the account opening form, signed by the Guardian.

FOR SOLE PROPRETORSHIP FIRM

1. Recent Passport size photograph of the proprietor signed across.2. Copy of PAN Card This also serves as a Proof of Identification.3. Proof of Residence Preferably copy of Passport, Driving License aRation Card. If any of these is not available then and then only we can accElectric/Telephone bill (not older than 3 months).4. Copy of cancelled MICR Cheque (valid only if the name of the clientPrinted on it by bank) of the Bank Account the details of which is providedKYC and/or copy of Bank pass book or statement.

5. Client Master Report of the Demat Account mentioned in KYC. (Normwe dont find this with KYC.6. Copies of the balance sheet for the last 2 financial years (copies of annual balance sheet to be submitted every year).7. Declaration for the opening trading Account in the name of SProprietorship Firm.

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DEPOSITARY PARTICIPANT

NSDL DEPOSITARY PARTICIPANTS

About NSDL

Although India had a vibrant capital market which is more than a century old, thepaper-based settlement of trades caused substantial problems like bad deliveryand delayed transfer of title till recently. The enactment of Depositories Act inAugust 1996 paved the way for establishment of NSDL, the first depository in

India. This depository promoted by institutions of national stature responsible foreconomic development of the country has since established a nationalinfrastructure of international standards that handles most of the securities heldand settled in dematerialised form in the Indian capital market.

Using innovative and flexible technology systems, NSDL works to support theinvestors and brokers in the capital market of the country. NSDL aims at ensuringthe safety and soundness of Indian marketplaces by developing settlementsolutions that increase efficiency, minimise risk and reduce costs. At NSDL, weplay a quiet but central role in developing products and services that willcontinue to nurture the growing needs of the financial services industry.

In the depository system, securities are held in depository accounts, which ismore or less similar to holding funds in bank accounts. Transfer of ownership ofsecurities is done through simple account transfers. This method does away withall the risks and hassles normally associated with paperwork. Consequently, thecost of transacting in a depository environment is considerably lower ascompared to transacting in certificates.

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Promoters / Shareholders

NSDL is promoted by Industrial Development Bank of India Limited (IDBI) - the

largest development bank of India, Unit Trust of India (UTI) - the largest mutualfund in India and National Stock Exchange of India Limited (NSE) - the largeststock exchange in India. Some of the prominent banks in the country have takena stake in NSDL.

Promoters

Industrial Development Bank of India Limited (Now, IDBI Bank Limited)

Unit Trust of India (Now, Adminstrator of the Specified Undertaking of theUnit Trust of India)

National Stock Exchange of India Limited

Other Shareholders

State Bank of India

HDFC Bank Limited

Deutsche Bank A.G.

Axis Bank Limited

Citibank N.A.

Standard Chartered Bank

The Hongkong and Shanghai Banking Corporation Limited

Oriental Bank of Commerce

Union Bank of India

Dena Bank

Canara Bank

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CDSL DEPOSITARY PARTICIPANTS

A Depository facilitates holding of securities in the electronic form and enablessecurities transactions to be processed by book entry by a Depository Participant(DP), who as an agent of the depository, offers depository services to investors.According to SEBI guidelines, financial institutions, banks, custodians,stockbrokers, etc. are eligible to act as DPs. The investor who is known asbeneficial owner (BO) has to open a demat account through any DP fordematerialisation of his holdings and transferring securities.

The balances in the investors account recorded and maintained with CDSL canbe obtained through the DP. The DP is required to provide the investor, at

regular intervals, a statement of account which gives the details of the securitiesholdings and transactions. The depository system has effectively eliminatedpaper-based certificates which were prone to be fake, forged, counterfeitresulting in bad deliveries. CDSL offers an efficient and instantaneous transfer ofsecurities.

CDSL was promoted by Bombay Stock Exchange Limited (BSE) jointly withleading banks such as State Bank of India, Bank of India, Bank of Baroda, HDFCBank, Standard Chartered Bank, Union Bank of India and Centurion Bank.

CDSL was set up with the objective of providing convenient, dependable and

secure depository services at affordable cost to all market participants. Some ofthe important milestones of CDSL system are:

CDSL received the certificate of commencement of business from SEBI inFebruary, 1999.

Honourable Union Finance Minister, Shri Yashwant Sinha flagged off theoperations of CDSL on July 15, 1999.

Settlement of trades in the demat mode through BOI Shareholding Limited, theclearing house of BSE, started in July 1999.

All leading stock exchanges like the National Stock Exchange, Calcutta StockExchange, Delhi Stock Exchange, The Stock Exchange, Ahmedabad, etc haveestablished connectivity with CDSL.

As at the end of Dec 2007, over 5000 issuers have admitted their securities(equities, bonds, debentures, commercial papers), units of mutual funds,certificate of deposits etc. into the CDSL system.

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PROMOTORS

CDSL was promoted by Bombay Stock Exchange Limited (BSE) in associationwith Bank of India, Bank of Baroda, State Bank of India and HDFC Bank. BSEhas been involved with this venture right from the inception and has contributedoverwhelmingly to the fruition of the project. The initial capital of the company isRs.104.50 crores. The list of shareholders with effect from 5th July, 2010 is asunder.

Sr.No.

Name of shareholders Value of holding (inRupeesLacs)

% termsto totalequity

1 Bombay Stock ExchangeLimited

5,663.46 54.20

2 Bank of India 582.00 5.57

3 Bank of Baroda 530.00 5.07

4 State Bank of India 1,000.00 9.57

5 HDFC Bank Limited 750.00 7.18

6 Standard Chartered Bank 750.00 7.18

7 Canara Bank 674.46 6.45

8 Union Bank of India 200.00 1.91

9 Bank of Maharashtra 200.00 1.91

10 The Calcutta Stock ExchangeLimited

100.00 0.96

11 Others 0.08 0.00

TOTAL 10,450.00 100.00

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DEMATACCOUNT

NSDLCLIENT ID-

8 DIGITS

10003357

CDSLCLIENT ID-16 DIGITS

1003344568973488

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NEW PENSION SYSTEM (NPS)

WHAT IS NPS?

NPS is a voluntary, simple, regulated, portable and flexible penssystem that allows you to make regular savings for your retirement.

NPS is a useful retirement planning tool and also a good tax plann

investment opportunity. NPS has been introduced by Govt. of India and is regulated by PensFund Regulatory and Development Authority (PFRDA). PFRDA is autonomous body set up by Govt. of India, Ministry of Finance to promold age income security and regulate the pension sector.

SHCIL is registered with PFRDA as POP (Points of Presence) to act alink between you and NPS.

WHAT IS THE BENEFIT OF NPS?

It is simple All you have to do is to approach any designated branchSHCIL. Our officer will be happy to assist you for completing all the formalitthereafter.

It is voluntary You can decide the amount you want to set aside asave for retirement.

It is flexible You can choose your investment option as well as PensFund Manager and see your money grow.

It is portable- You can operate your account from anywhere in country, even if you change your city, job, your pension fund manager ainvestment asset classes. You will have a unique PRAN (Permanent RetiremAccount Number) that remains with you for the rest of your life.

It is a low cost Product for retirement planning Details of applicacharges will be available with designated branches of SHCIL.

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It is market based NPS is structured to give you freedom in decidthe investment for your corpus. You can expect market based returns and buyour retirement corpus the way you want. It is regulated NPS is regulated by PFRDA with transparent investmnorms as well as regular monitoring and performance review of fund managby NPS Trust.

WHO CAN INVEST?

NPS is open to every Indian Citizen between the age of 18 and 60 yearsthe time of joining. The earlier you start, the greater will be the growth of your retiremcorpus. You should take advantage of compounding of your wealth by joinNPS, right now.

HOW MUCH TO INVEST?

You can make contributions as per your convenience, subject to followcondition

Minimum amount per contribution Rs.500

Minimum contribution per year Rs.6000

Minimum number of contributions per year 1

WHAT IS THE INVESTMENT OPTION?

NPS offers you two options to invest your money. Active Choice Individual Funds - You will have the option to activ

decide as to how your contributions should be invested among the followthree asset classes.

Asset Class E Equity market instruments. Asset Class C Debt instruments other than Government securities. Asset Class G Government securities

You can choose to invest your entire contribution in C or G AClasses or a combination of C and G with up to a maximum 50Asset Classes E.

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Auto Choice Lifecycle Fund NPS offers an easy option for citiwho dont have the required expertise or dont want to decide asset classes focontributions made by them. In such cases your funds will be investeaccordance with the Auto Choice option, the instruments are made in a lifecfund and the distribution of your investments across asset classes E, C and Gmade automatically based on age.

HOW TO INVEST?

To enroll in the NPS, contact us and complete the Registration Form (UOS1). The form is available free of cost and our officers will be happy to assistin completing the formalities. Submit the filled in form along with the payment (Cheque,/Demand Drafthe nearest SHCIL branch. The Cheque / DD have to be in favour of Stock Holding Corporation of Ltd. Collection Account NPS Trust.

WHAT IS THE WITHDRAWAL OPTION?

At any point in time before 60 years of age:

You would be required to invest at least 80% of the retirement corpupurchase a life annuity from any annuity Service Provider (ASP) appointePFRDA.

Rest 20% of retirement corpus may be withdrawal as lump sum.

On attaining the age of 60 years and up to 70 years of age: At exit you would be required to invest minimum 40% of your accumulsavings (retirement corpus) to purchase a life annuity from any ASP. The remaining retirement corpus can either be withdrawn in lump sumattaining the age of 60 or in phased manner till age of 70 subject to minimum of the corpus to be withdrawn every year. Any amount lying to the credit at the age of 70 should be compulswithdrawn as lump sum.

Death due to any cause:In such an unfortunate event, option will be available to the nomin

receive 100% of the NPS retirement corpus in lump sum.

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HOW WILL THE PENSION BE AVAILABLE?

On exit from NPS, you will have to transfer the portion of the retiremcorpus you decide to annuitize to any of the Annuity Service Providers (Aappointed by PFRDA.

ASPs appointed by PFRDA would be responsible for delivering a regmonthly pension to you after your exit from NPS.

The ASP will provide you a monthly pension based on the amount you hannuitized.

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MUTUAL FUND

A Mutual Fund is a trust that pools the savings of a number of investors who share acommon financial goal. The money thus collected is then invested in capital marketinstruments such as shares, debentures and other securities. The income earned throughthese investments and the capital appreciation realised are shared by its unit holders inproportion to the number of units owned by them. Thus a Mutual Fund is the mostsuitable investment for the common man as it offers an opportunity to invest in adiversified, professionally managed basket of securities at a relatively low cost. The flowchart below describes broadly the working of a mutual fund:

Mutual Fund Operation Flow Chart

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WHAT ARE VARIOUS TYPES OF MUTUAL FUNDS

A common man is so much confused about the various kinds of Mutual Funds that he isafraid of investing in these funds as he can not differentiate between various types ofMutual Funds with fancy names. Mutual Funds can be classified into various categoriesunder the following heads:-

(A) ACCORDING TO TYPE OF INVESTMENTS :- While launching a new scheme,every Mutual Fund is supposed to declare in the prospectus the kind of instruments inwhich it will make investments of the funds collected under that scheme. Thus, thevarious kinds of Mutual Fund schemes as categoried according to the type of investmentsare as follows :-

(a) EQUITY FUNDS / SCHEMES

(b) DEBT FUNDS / SCHEMES (also called Income Funds)

(c ) DIVERSIFIED FUNDS / SCHEMES (Also called Balanced Funds)

(d) GILT FUNDS / SCHEMES

(e) MONEY MARKET FUNDS / SCHEMES

(f) SECTOR SPECIFIC FUNDS

(g) INDEX FUNDS

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B) ACCORDING TO THE TIME OF CLOSURE OF THE SCHEME :- Whilelaunching a new schemes, Mutual Funds also declare whether this will be an open endedscheme (i.e. there is no specific date when the scheme will be closed) or there is a closingdate when finally the scheme will be wind up. Thus, according to the time of closureschemes are classified as follows :-

(a) OPEN ENDED SCHEMES

(b) CLOSE ENDED SCHEMES

C) ACCORDING TO TAX INCENTIVE SCHEMES :- Mutual Funds are also allowedto float some tax saving schemes. Therefore, sometimes the schemes are classifiedaccording to this also:-

(a) TAX SAVING FUNDS

(b) NOT TAX SAVING FUNDS / OTHER FUNDS

(D) ACCORDING TO THE TIME OF PAYOUT :- Sometimes Mutual Fund schemesare classified according to the periodicity of the pay outs (i.e. dividend etc.). Thecategories are as follows:-

(a) Dividend Paying Schemes

(b) Reinvestment Schemes

The mutual fund schemes come with various combinations of the above categories.Therefore, we can have an Equity Fund which is open ended and is dividend paying

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plan. Before you invest, you must find out what kind of the scheme you are beingasked to invest. You should choose a scheme as per your risk capacity and the regularityat which you wish to have the dividends from such schemes.

SOME OF THE TERMS USED IN MUTUAL FUNDS

Net Asset Value (NAV)

Net Asset Value is the market value of the assets of the scheme minus its liabilities.The per unit NAV is the net asset value of the scheme divided by the number of unitsoutstanding on the Valuation Date.

Sale Price: It is the price you pay when you invest in a scheme and is also called"Offer Price". It may include a sales load.

Repurchase Price: - It is the price at which a Mutual Funds repurchases its unitsand it may include a back-end load. This is also called Bid Price.

Redemption Price: It is the price at which open-ended schemes repurchase theirunits and close-ended schemes redeem their units on maturity. Such prices are NAVrelated.

Sales Load / Front End Load: It is a charge collected by a scheme when it sellsthe units. Also called, Front-end load. Schemes which do not charge a load at thetime of entry are called No Load schemes.

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UNDERSTANDING MUTUAL FUND

Mutual fund is a trust that pools money from a group of investors (sharing commonfinancial goals) and invest the money thus collected into asset classes that match thestated investment objectives of the scheme. Since the stated investment objective of amutual fund scheme generally forms the basis for an investor's decision to contributemoney to the pool, a mutual fund can not deviate from its stated objectives at any point oftime.

Every Mutual Fund is managed by a fund manager, who using his investmentmanagement skills and necessary research works ensures much better return than what aninvestor can manage on his own. The capital appreciation and other incomes earned fromthese investments are passed on to the investors (also known as unit holders) inproportion of the number of units they own.

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When an investor subscribes for the units of a mutual fund, he becomes part owner of theassets of the fund in the same proportion as his contribution amount put up with thecorpus (the total amount of the fund). Mutual Fund investor is also known as a mutualfund shareholder or a unit holder.Any change in the value of the investments made into capital market instruments (such asshares, debentures etc) is reflected in the Net Asset Value (NAV) of the scheme. NAV isdefined as the market value of the Mutual Fund scheme's assets net of its liabilities. NAV

of a scheme is calculated by dividing the market value of scheme's assets by the totalnumber of units issued to the investors.

For example:

A. If the market value of the assets of a fund is Rs. 100,000B. The total number of units issued to the investors is equal to 10,000.C. Then the NAV of this scheme = (A)/(B), i.e. 100,000/10,000 or 10.00D. Now if an investor 'X' owns 5 units of this scheme

E. Then his total contribution to the fund is Rs. 50 (i.e. Number of units heldmultiplied by the NAV of the scheme)

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BROAD MUTUAL FUND TYPES

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Religare MF SIPthe age old adage of tortoise

winning the race still holds trueMay 2011

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7000

%10090807060

50

40302010

Volatility is an integral part of the stock markets Markets are unpredictable. i.e. it is difficult to pick the best time to buy or sell

Does timing the market works?

7000 S & P N i fty In d ia V IX

6000

5000

3000

1000

0No v - 0 7

0M ar -11

4000

2000

Fe b - 0 8 M ay-08 Se p -08 De c - 0 8 A p r -09 J u l- 0 9 No v - 0 9 Fe b - 1 0 M ay-10Se p -10 De c - 1 0

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"After nearly 50 years in this business, I do not know anybody who has doneit(market timing) successfully and consistently. I do not know of anybody whoknows anybody who has done it successfully and consistently." (John C.Bogle in Common Sense on Mutual Funds)

There's something in people, you might even call it a little bit of a gamblinginstinct ... I tell people [investing] should be dull. It shouldn't be exciting.Investing should be more like watching paint dry or watching grass grow. If

you want excitement, take $800 and go to Las Vegas.(Paul Samuelson inThe Ultimate Guide to Indexing)"No one--not the pundits from the big brokerage firms, not the newsletterwriters, not the mutual fund managers, and certainly not your broker--canpredict where the market will go tomorrow or next year." (Wm Bernstein in

The Four Pillars of Investing)

"Timing the market is for losers. Time IN the market will get you to thewinner's circle, and you'll sleep a lot better at night." (Michael LeBoeuf in

The Millionaire in You)

What do the experts say about this..

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Missing just a few good

days of the market canreduce the returnpotential significantly

20%

15%

14.17%

10%

Timing the market canlead to portfolio losses

5%

6.72%

4.25%

0%

-5%

-10%

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Downside risk diminishes over time

The percentage of time, the BSE Sensex posted a positive return over different

rolling time periods from 1998 - 2010.

Data for period from 1.1.98 to 31.12.10. Disclaimer: The illustration above is merelyindicative in nature and should not be construed as investment advice. It does not in anymanner imply or suggest the performance of any Religare Mutual Fund Scheme(s).

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How does a SIP help?

Works on the principle of rupee cost averaging

Investing at pre-defined intervals inculcates discipline

Works best in volatile market conditions

Allows you to buy more unit when markets are down, buys less units whenmarkets are rising

Results in a lower average cost per unit in most situations

It is easy on the wallet too, as we dont have to commit large sums of

money at one go

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The proof of the puddingis in the eating

Investing Rs 1000 per month into a scheme that had a NAV of Rs 10, at thetime of initial investment

Systematic investing ensures that the average cost of acquisition is lower inmost situations.

Note: NAVs as on the first business day of each month.

Let Time and Compounding work for you..

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Mr. B

Mr. B

Start Early

Mr. A

Starting age of investment

Annual savings

Rate of Interest

Total cumulative investment

Investment value at age 60

Annual savings

Rate of Interest

Total cumulative investment

Investment value at age 60

Starting age of investment

** Based on 8% p.a compounded annually

Mr. B

8% p.a

Rs. 1 Lac

35 Years 25 Years

Rs. 1 Lac

Rs. 78.9 Lacs**

Rs. 25 Lacs*

8% p.a

Rs. 35 Lacs*

Rs. 1.86 crores**

Let Time and Compounding work for you..

Mr. B

Mr. B

Power of Compounding

A small difference in the annual rate of interest has resulted in a surplus ofRs. 1.12 crores for Mr. B, in the retirement basket.

* At the age of 60

^ Based on 8% p.a compounded annually

# Based on 10% p.a compounded annually

Investment value at age 60

Total cumulative investment

Rate of Interest

Annual savings

Starting age of investment

Rs. 1 Lac

25 Years

Investment value at age 60

Total cumulative investment

Rate of Interest

Annual savings

Starting age of investment 25 Years

Mr. A

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Rs. 2.98 crores#Rs. 1.86 crores^

Actual experience with Religare Contra Fund

NAV movement vis--vis benchmark^

Rs

19

17

15

13

11

9

7

Religare Contra Fund - Grow th

BSE 500

5

Apr-07 Nov-07 Jun-08 Jan-09 Aug-09 Mar-10 Oct-10 May-11

SIP Investment

Past performance may or may not be sustained in future. Inception Date: Apr

11, 2007. ^ Benchmark BSE 500. The above calculation is based on the 1st declared NAVdate i.e 12/04/07

Monthly Investment

15.89

14.46

Rs.1,000/-

No of Months

50

Total Investments Made

Rs. 50,000/-

Value of invt. as on 31 May 11*

Scheme Rs.69,418/-

Benchmark^ Rs.61,980/-

Benchmark^

Annualised return on Invt.*

Scheme15.88%

10.30%

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Religare PSU Equity Fund - Growth

BSE PSU

Actual experience with Religare PSU Equity Fund

NAV movement vis--vis benchmark^

Rs

13

12

SIP Investment

Monthly Investment

Rs.1,000/-

No of Months

19

Total Investments Made

10.39

11

Rs. 19,000/-

Value of invt. as on 31 May 11*

Scheme

Benchmark^

Rs.18,318/-

Rs.17,477/-

10

9.53

9

8

Nov-09

Dec-09

Jan-10

Fe Mab- r-10 10

Ap May-r-

10 10

Jun-10

Jul-10

Aug-10

Sep-10

Oct-10

Nov-10

Dec-10

Jan-11

Fe Mab- r-11 11

Apr-11

May-11

Annualised return on Invt.*

Scheme

Benchmark^

-4.36%

-9.75%

18, 2009. ^ Benchmark BSE PSU Index. The above calculation is based on the 1st declaredNAV date i.e 27/11/2009

Past performance may or may not be sustained in future. Inception Date: Nov

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Rs

19

17

15

13

11

13.77

Religare Tax Plan - Growth

BSE100

17.34

SIP Investment

Monthly Investment

Rs.1,000/-

No of Months

53

Total Investments Made

Rs. 53,000/-

Value of invt. as on 31 May,11*9

7

5Jan-

07

Scheme

Benchmark^

May-07

Sep-07

Jan-08

May-08

Sep-08

Jan-09

May-09

Sep-09

Jan-10

May-10

Sep-10

Jan-11

May-11

Rs.76,822/-

Rs.65,836/-

Annualised return on Invt.*

Scheme

Benchmark^

16.94%

9.79%

29, 2006. ^ Benchmark BSE 100. The above calculation is based on the 1st declared NAVdate i.e 02/01/07

Past performance may or may not be sustained in future.Inception Date: Dec

Actual experience with Religare Tax Plan#

NAV movement vis--vis benchmark^

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Actual experience with Religare Business Leaders Fund

NAV movement vis--vis benchmark^

Rs14

Religare Business Leaders Fund - Growth

13 S&P Nifty

SIP Investment

Monthly Investment

Rs.1,000/-

No of Months

22

12.0811.75

12 Total Investments Made

Rs. 22,000/-

Value of invt. as on 31 May,11*

Scheme

Benchmark^

Rs.23,066/-

Rs.23,026/-

11

10

9Aug-09 Nov-09 Feb-10 May-10 Aug-10 Nov-10 Feb-11 May-11 Annualised return on Invt.*

Scheme

Benchmark^

5.07%

4.88%21, 2009. ^ Benchmark S&P Nifty. The above calculation is based on the 1st declared NAVdate i.e 28/08/09

Past performance may or may not be sustained in future.Inception Date: Aug

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IPO Initial Public OfferingsInformation on Going Public

We take companies public. If you would like to take your companypublic, please contact us at (310) 888-1195 or us for a free report.

Actual experience with Religare Growth Fund

NAV movement vis--vis benchmark^

Rs

15 Religare Grow th Fund - Grow th

BSE100

13 12.9512.57

SIP Investment

Monthly Investment

Rs.1,000/-

No of Months

46

Total Investments Made11

Rs. 46,000/-

Value of invt. as on 31 May,11*

Scheme

Benchmark^

Rs.58,800/-

Rs.56,198/-

9

7

5Aug- Nov- Feb- May- Aug- Nov- Feb- May- Aug- Nov- Feb- May- Aug- Nov- Feb- May-0707080808080909090910 10101011 11

Annualised return on Invt.*

Scheme

Benchmark^

12.88%

10.46%

09, 2007. ^ Benchmark BSE 100. The above calculation is based on the 1st declared NAVdate i.e 13/08/07

Past performance may or may not be sustained in future. Inception Date: Aug

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The Main Advantages of an Initial Public Offering

(IPO)

While contemplating the idea of taking a company public via an IPO (Initial PublicOffering), the increased cap ita lizati on for the issuing bus ine ss is a stron g pointto cons id er , since a public offering creates a market value on a companys stock. The

company directors and shareholders can approach the day in their IPO calendar withconfidence, retain their stock and use it for varied activities, such as: currency formergers and acquisitions, as stock options to help retain key personnel, they may also selltheir shares in the open market or via the services of an IPO underwriter.

Additionally, the business will have greater access to the capital markets for future capitalinflow and we will furnish the IPO resources and provide guidance with the IPOunderwriting. In general terms, most IPO companies valuation and debt-to-equity ratiowill improve after going public, making it possible for the enterprises to receive much

better terms from lenders, once they fulfill their IPO calendar.

IPO Calendar

Anticipated IPOs

CompanyExchan

ge

Tick

erIndustry

Offe

r

Dat

e

Propos

ed

Price

Range

Shares

(in

million

s)

IPO

Pric

e

1st

Day

Clos

e

Lead

Underwrit

er

SurgiVisionNASD

AQSRG

VBiotechnol

ogyNA

$9.00 -$11.00

2.5 NA NAConaccordGenuity

Wave2WaveCommunications

NASDAQ

WAV

Networking NA$9.00 -$11.00

8.3 NA NARodman &Renshaw

RedgateMedia

NASDAQ

RGM Services NA$6.00 -$8.00

5.5 NA NABrean

Murray

Nexsan NASD NXS Technology NA $10.00 5.0 NA NA Thomas

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AQ N-

$12.00Weisel

ResacaExploitation

NYSERSO

XEnergy NA

$3.20 -$3.60

20 NA NARoyal

Bank OfCanada

IPO market study finds a dysfunctional

market structure that fuelsunemployment and undercuts small

businesses

Grant Thorntons updated study looks at how the current U.S. IPO market structuredrives job losses, and it addresses misconceptions about the impact of private equity, penny stocks and inflation on new public equity offerings.

In fact, 2009 which was expected to be a rebound year was one of the worst IPOmarkets in the last 40 years, with only 61 IPOs. Wall Streets increased focus on high-speed trading and larger-cap companies, coupled with decreased equity research coverageand sales support for small-cap businesses, is undercutting the ability of many companiesto maintain adequate visibility with investors to support share prices.

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What Does Initial Public Offering - IPO Mean?

The first sale of stock by a private company to the public. IPOs are often issued by

smaller, younger companies seeking the capital to expand, but can also be done by large privately owned companies looking to become publicly traded.

In an IPO, the issuer obtains the assistance of an underwriting firm, which helps itdetermine what type of security to issue (common or preferred), the best offering priceand the time to bring it to market.

While undertaking an IPO a company is doing two things

simultaneously:

It is offering shares for sale to the public

It is also raising capital

There is no doubt that offering securities to the investment public will help a companysmanagement and directors retain a large degree of control, as opposed to many othercapital funding scenarios.

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For example, if a private company decides to use the services of venture capitalists toraise capital, instead of going public, the VCs (Venture Capitalists) might insist on adecision-making position, such as a seat on the board of directors. When a companydecides to raise capital via the going public process of an IPO (Initial Public Offering),those unpleasant considerations are avoided by IPO companies.

No doubt the prestige related with becoming a public company has a definite appeal. Thefact that its easier for an IPO underwriter to promote a public company is also a pertinentconsideration because the funding resources available to public companies are much better than whats available to private concerns.

Public companies have historically achieved higher recognition than private companies;hence, the public relations image and the perceived stability of being a public company isa plus. All the above considerations should come into play when you are considering thepros and cons of going public via an IPO (Initial Public Offering) and we have the IPOresources to help you make this important step via IPO underwriting.

An initial public offering, or IPO, is the first sale of a corporation's common shares to

investors on a public stock exchange. The main purpose of an IPO is to raise capital forthe corporation. While IPOs are effective at raising capital, being listed on a stockexchange comes with heavy regulatory compliance and reporting requirements.

The term IPO only refers to the first public issuance of a company's shares. It assumes acompany is big enough, successful enough, and has the required track record to raisecapital in the public equity market. If a company later sells newly issued shares again tothe market, it is called a seasoned equity offering. When a shareholder sells shares, it iscalled a secondary offering and the shareholder, not the company that originally issued

the shares, retains the proceeds of the offering. These terms are often confused and only acompany which issues shares can make a primary offering or IPO. Secondary offeringsoccur on the secondary market, where shareholders (not the issuing company) buy andsell shares from and to each other.

The IPO process starts when the corporation files a registration statement, according tothe Securities Act of 1933, with the SEC. The SEC then investigates the registration

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statement and approves the full disclosure. The underwriter first issues a preliminaryprospectus and then an official prospectus before or along with the stock offering. AfterSEC approval, the price and date of the IPO are decided.

Investing in an IPO is a risky and speculative investment. Only active traders, depending

on their investment objectives and risk tolerance, should consider this type of investment.

Fixed Deposit

A fixed deposit is meant for those investors who want to deposit a lump sum of moneyfor a fixed period; say for a minimum period of 15 days to five years and above, therebyearning a higher rate of interest in return. Investor gets a lump sum (principal + interest)at the maturity of the deposit.

Bank fixed deposits are one of the most common savings scheme open to an averageinvestor. Fixed deposits also give a higher rate of interest than a savings bank account.The facilities vary from bank to bank. Some of the facilities offered by banks areoverdraft (loan) facility on the amount deposited, premature withdrawal before maturity

period (which involves a loss of interest) etc. Bank deposits are fairly safer because

banks are subject to control of the Reserve Bank of India.

Bank deposits are fairly safe because banks are subject to control of the Reserve Bank ofIndia (RBI) with regard to several policy and operational parameters. The banks are freeto offer varying interests in fixed deposits of different maturities. Interest is compoundedonce a quarter, leading to a somewhat higher effective rate.

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The minimum deposit amount varies with each bank. It can range from as low asRs. 100 to an unlimited amount with some banks. Deposits can be made in multiples ofRs. 100/-.

Before opening a FD account, try to check the rates of interest for different banks fordifferent periods. It is advisable to keep the amount in five or ten small deposits insteadof making one big deposit. In case of any premature withdrawal of partial amount, then

only one or two deposit need be prematurely encashed. The loss sustained in interest will,thus, be less than if one big deposit were to be encashed. Check deposit receiptscarefully to see that all particulars have been properly and accurately filled in. The thingto consider before investing in an FD is the rate of interest and the inflation rate. A highinflation rate can simply chip away your real returns.

ReturnsThe rate of interest for Bank Fixed Deposits varies between 4 and 11 per cent, depending

on the maturity period (duration) of the FD and the amount invested. Interest rate alsovaries between each bank. A Bank FD does not provide regular interest income, but alump-sum amount on its maturity. Some banks have facility to pay interest every quarter

or every month, but the interest paid may be at a discounted rate in case of monthlyinterest. The Interest payable on Fixed Deposit can also be transferred to Savings Bankor Current Account of the customer. The deposit period can vary from 15, 30 or 45 daysto 3, 6 months, 1 year, 1.5 years to 10 years.

Duration Interest rate (%) per annum

*

15 - 45 days 4 - 5 %

30 - 45 days 4.25 - 5 %

46 - 90 days 4.75 - 6 %

91 - 110 days 6 - 7.50 %

181 - 270 days 7.5 - 8.25 %

1 - 2 years 8.25 - 9.25 %

2 - 10 years 8.75 %

1111 Days 9.25 %

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Features of Fixed Deposit Account

The main features offixed deposit account are as follows:-

1. The main purpose of fixed deposit account is to enable the individuals to earn ahigher rate of interest on their surplus funds (extra money).

2. The amount can be deposited only once. For further such deposits, separateaccounts need to be opened.

3. The period of fixed deposits range between 15 days to 10 years.4. A high interest rate is paid on fixed deposits. The rate of interest may vary as per

amount, period and from bank to bank.5. Withdrawals are not allowed. However, in case of emergency, banks allow to

close the fixed account prior to maturity date. In such cases, the bank deducts 1%(deduction percentage many vary) from the interest payable as on that date.

6. The depositor is given a fixed deposit receipt, which depositor has to produce atthe time of maturity. The deposit can be renewed for a further period.

Advantages of Fixed Deposit Account

The advantages of fixed deposit account are as follows:-

1. Fixed deposit encourages savings habit for a longer period of time..2. Fixed deposit account enables the depositor to earn a high interest rate.3. The depositor can get loan facility from the bank.4. On maturity the amount can be used to make purchases of assets.5. The bank can get the funds for a longer period of time.6. The bank can lend such funds for short term loans to businessmen.7. Fixed deposits indirectly boost economic development of the country.8. The bank can also invest such funds in profitable areas.

Benefits of investing in Company Fixed Deposits

High Interest. No deduction of Income Tax at source up to Rs 5,000 p.a.

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Short-term deposits. Lock-in period is only 6 months. No Income Tax is deducted at source if the interest income is up to Rs 5,000 in

one financial year .Investment can be spread in more than one company, so thatinterest from one company does not exceed Rs. 5,000.

Company Fixed Deposits are non transferable that means there is no fear of FDreceipt being stolen. In case it falls into wrong hands ,it cannot be misused. The

FD holder in such a case should write to the company which shall issue duplicatedeposit receipt upon execution of an indemnity and cancel the previous one.

Further, advantage of investing in company fixed deposits is that one can analysethe company before investing in it because companies accepting deposits are old-established reputed companies with proven track records.

Recently, nomination facility has been introduced in company fixed deposits.

HDFC DEPOSITS

PLATINUM DEPOSIT PLAN

Fixed Rates only

Platinum Deposit Plan Monthly Quarterly Half-Yearly Annual Cumulative

(Period) income Plan Option Option Income Plan Option*

15 months 9.40% 9.45% 9.55% - 9.75%

22 months 9.20% 9.25% 9.35% 9.55% 9.55%

33 months 9.40% 9.45% 9.55% 9.75% 9.75%

Minimum Amount (Rs) 40,000 20,000 20,000 20,000 20,000

For Cumulative Option, interest is compounded annually.

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Additional Interest Rates (p.a.)

Senior Citizens (60 years and above) 0.25%

Interest rates on deposits of Rs. 1 crore and above would be as per the extant guidelines.

HDFC REGULAR DEPOSITS (Fixed and Variable Rates)

Rate of Interest (p.a.)

Period (Months) Monthly Quarterly Half-Yearly Annual Cumulativ

Income Plan Option Option Income Plan Option*

12 23 8.90% 8.95% 9.05% - 9.25%

24 35 9.05% 9.10% 9.20% 9.40% 9.40%

36 59 9.15% 9.20% 9.30% 9.50% 9.50%

60 8.90% 8.95% 9.05% 9.25% 9.25%

Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

* For Cumulative Option, interest is compounded annually

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SYSTAMATIC SAVING PLAN (SSP)[Variable Rate Deposit Plan (For Individual only)]

Period (Months) Rate of Interest (p.a.)

24 35 9.00%

36 59 9.25%

60 9.25%

Minimum Monthly Saving Amount Rs. 2000/-

Additional Interest Rates (p.a.) Specified Investment

Senior Citizen (60 years and above) 0.25% HDFC Trust deposits is a specified

(Other than SSP) investment under section 11(5) (ix) of the

Income Tax Act, 1961.

BOND

Bonds are debt investment instruments through which investors give out loans togovernment and corporate entities. The latter borrow funding at fixed interest and for aspecified period. The US government and other governments use the money to financevarious activities and projects. Other borrowers are states, municipalities, and companies.

Bonds are a main asset class, together with cash equivalents and stocks. They also fallunder the category of fixed-income securities. The issuer or the indebted entity issuesbonds with certain interest rate, which are payable at the maturity date of the bondprincipal (the loaned money). Bonds earn interest which is typically paid semi-annually,i.e. twice a year. The major types of securities are notes and bills, municipal bonds,

corporate bonds, and U.S treasury bills.

Two features are characteristic of bonds, duration and credit quality, determining theinterest rate of bonds. Government bonds have a maturity of up to 30 years whileTreasury bills come with just 90 days. Municipal and corporate bonds are usuallyfeatured with maturity between 3 and 10 years.

Basically, a bond is similar to a loan, whereby the holder is a creditor and the issuer isdebtor. The funds can be used to finance current expenditure, e.g. government bonds, or

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long-term investments. Three features of bonds should be mentioned, the bondprincipal, nominal, and face amount, on which borrowers pay interest. The redemptionamount of some structured bonds may differ from the face amount. The redemptionamount may be also linked to certain assets and their performance, such as a foreignexchange, commodity or stock index, or fund. Because of this, investors may receivemore or less than what they originally invested. The price at which bonds are bought byinvestors when issued is called issue price. It is usually roughly equal to the nominal

amount. Issuers receive net proceeds in the form of the issue price, minus the issuancefees. The date of maturity is the date on which the nominal amount is to be repaid by theissuer. In case the issuer has made all payments, it does not have any obligations to thebond holders. Bonds vary with regard to maturities. For example, some bonds have amaturity of one hundred years, and some will never mature. Maturity is one factor thatdetermines the type of security. Bonds are long-term instruments with maturities of over12 years while notes are medium term instruments with maturities in the range of 6 12years. Bills are a short-term variety with a term of 1 to 5 years.

Bonds are referred to as fixed-income securities namely because they offer a fixedamount of money if held until maturity. For example, say you have purchased a bond

with maturity of 15 years, an interest rate of six percent, and a face value of $10,000. Youwill earn $600 in interest per year over the next fifteen years. As your bond will payinterest twice a year, you will receive 2 payments of $300. At maturity, you will get yourmoney back ($10,000 in total).

Bond Basics: Introduction

The first thing that comes to most people's minds when they think of investing is thestock market. After all, stocks are exciting. The swings in the market are scrutinized inthe newspapers and even covered by local evening newscasts. Stories of investors gaininggreat wealth in the stock market are common.

Bonds, on the other hand, don't have the same sex appeal. The lingo seems arcane andconfusing to the average person. Plus, bonds are much more boring - especially during

ragingbull markets, when they seem to offer an insignificant return compared to stocks.

However, all it takes is abear market to remind investors of the virtues of a bond's safetyand stability. In fact, for many investors it makes sense to have at least part of their portfolio invested in bonds.

This tutorial will hopefully help you determine whether or not bonds are right for you.We'll introduce you to the fundamentals of what bonds are, the different types of bondsand their important characteristics, how they behave, how to purchase them, and more.

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ANA L YSIS AND

FINDINGS

Q.1. How much % people know about SHCIL Company in India Level?

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References 70% people know about Stock Holding Corporation of India limite

that this company is deals with financial services like as Demat account, Mutu

Fund, IPO, Broking and Trading and all financial Services providing us with als

give us satisfaction 100%.

Q.2. SHCIL is deals with various Financial Services which one is best services in

this Company?

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References -

SHCIL is dealing with various Financial Services but in various Services Mutu

Fund is the best services.

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Q. 3. In SHCIL which mostly One Depository Participants in Demat Accounts

choose the customers?

References

Two types of Depositary Participants but customers is giving preference to th

NSDL Depositary Participants.

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Q. 4. In FD which one Investment plan preference the customers?

Preferences

In FD Cumulative option is the best plan in which customer is giving preferenc

the cumulative option.

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Q. 5. Is New Pension System NPS High Return Services after 60 years of the

age? What is the opinion of customers yes or no?

Preferences

SHCIL is providing also NPS services in which customer preference in NP

service 40% expectation.

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Q. 6. How much % people Know about Mutual Fund?

Preferences

SHCIL is providing mostly Mutual Fund approximately in India 70% peop

know about Mutual Fund Investment Plan.

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Q. 7. Which one company of the Mutual Fund mostly prefers the customers?

References

Customer is giving preference the Government Sectors of the Mutual Fund such aSBI mutual Fund after this HDFC mutual Fund.

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Q. 8. In Mutual Fund which one plan mostly prefers the customers?

References

Customer is giving preference to the SIP plan because this plan is the sma

investment plan and after duration period we get high returns.

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Q. 9. Stock Holding Corporation of India Limited is deals with various

financial services, such as Demat Accounts, Mutual Funds, Initial Public Offers

IPO, Broking and Trading, Bonds, Infrastructure Bonds and Insurance etc. How

much satisfied with the services of Stock Holding Corporation of India Limited?

Preference

Customer is giving preference 80% satisfaction of the SHCIL Company.

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Q. 10. I have taken survey in market that If a particular person have

currently 1, 00, 000 rs than how they will invest in plan?

Preference

In marketing field after survey I totally know about corporate sectors that 40%

customers preference to the Mutual Fund, 30% IPO, 20% Share and Security an

10% Insurance. Than after I known about market condition that customer

giving preference the Mutual Fund.

SUGGESSIONS

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On the basis of the following conditions of the suggestions as follow:

1. On the basis of after the finding Mutual fund is the best investme

plan because this is small investment plan in which we invest and after duratioperiod we get high returns.

2. On the basis of after Mutual Fund Customer is giving preference th

Initial Public Offers IPO in which this is market risk of the less risk.

3. If we investment in Mutual Fund than if we will invest for long ter

than this will be successive for our future, so than we get high return but this pla

is not successive for short time investment.

4. If we investment in Mutual Fund than SIP is the best plan SIP mean

the Systematic Investment Plan or Small Investment Plan.

5. In Mutual Fund Tax Saver Bond is also available in which we save ouTax.

6. In share and security investment plan is also best but befo

investment this type of condition is mostly know about company as follow

a. Infrastructure of the company profile.

b. Economic Condition of the Company.

c. Industry Profile.

d. Market Sales Volume.

e. Marketing Values etc.

7. This is not necessary that Government Sectors of the Mutual Fund

giving us maximum return but private sectors of the Mutual Fund is also give umaximum returns such as

a. Franklin Templeton Mutual Fund

b. HDFC Mutual Fund

c. Reliance Mutual Fund

d. IDFC Mutual Fund and

e. ICICI Mutual Fund.

8. SHCIL is providing us Services with maximum satisfaction of quali

more than other Financial Services Sectors.

9. SHCIL of the transaction system is the fast services.10. SHCIL is launching day-to-day new financial services which th

company time-to-time remembers us for investment.

CONCLUSION

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During the Course of the Project conclusion of the SHCIL Company

After overall in project we find out the Strength, Quality and the Best Services othe Stock Holding Corporation of India Limited, the strength is that in India

every state the Branch of Stock Holding Corporation of India Limited, The ma

Branch of Stock Holding Corporation of India Limited in MUMBAI in KALYA

and In Chchattishgarh 5 more Branches here

RAIPUR

BHILAI

BILASPUR

DHAMTARI

RAIGARHIn overall five Branches of the AREA MANAGER is the Mr. DOLENDR

PATLE (MBA from Nagpur). In this Branches the target is the sale financi

products in which the Mutual Fund is the Best Plan in chchattishgarh customer

preference to the Mutual Fund, Best Services means the Fast Services th

transaction system is too fast than other financial sectors,.

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BIBLOGRAPHY

www. Shcil.com

www.shcilproject.com

www.googlesearch.com

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QUESTIONNAIRE

I have keen interest in undertaking project in Stock Holding Corporation of India Limi

I am Deepak Dewangan and I am a student of MBA 3rd sem specialization in Market

and Finance, I am working for my project with SHCIL as a summer training, I made t

questionnaire to know the customers satisfaction percentage therefore I am takawareness of your answers, whatever you fill I will show in my project of graphi

condition.

Name of the Customer__________________________________________________

Address____________________________________________________

Age group: 15 - 20 20-30 30-40 40& above

Martial status Married Unmarried

Gender M F

Profession Students Business Service House wife any other

Q1. Do you know about the Stock Holding Corporation of India limited?

Yes No

Q2. SHCIL is dealing in various financial products which one you will prefer?

Demat and Broking Mutual fund and FD

NPS Bonds Infrastructure, Capital gain bonds etc.

Q3. If you Open Demat account than which one Depositary Participants you will choose?

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NSDL (National Security Depositary Limited), DP Name:

CDSL (Central Depositary Security Limited), DP Name:

Q4. If you will investment in FD than which one plan you choose?

Cumulative option Annual Income plan

Half-Yearly option Quarterly option

Q5. If you want to invest in FD than how much money you will invest in which you get high return after

duration period?

10,000 20,000

2, 00,000 5, 00,000

Q6. What thing you mostly prefer in New Pension System (NPS)?

Safely Oldest Life Small Investment

No Risk All

Q7. Is New Pension System (NPS) High Return Services after 60 yrs of age?

Yes No

Q8. Do you know about Mutual Fund?

Yes No

Q9. Which One Company of Mutual Fund do you want to prefer?

Reliance Mutual Fund Franklin Templeton Mutual Fund

HDFC Mutual Fund Others

Q10. If you plan to invest in Mutual Fund than which scheme / plan you will choose?

SIP Lumsome invest

Tax saver bonds Others MIP, FMP and Debt bonds etc.

Q11. If you have 1, 00,000 Rs. currently than how you will invest?

69

8/3/2019 SHCIL

70/70

Total in share market Total in Mutual Fund

Part of FD and part in share market Total in plans which gives return of 8 1

P.A.

70