Investment Options . . .

Fixed Deposit We have a Research Team dedicated to Fixed Income Products. We offer a comprehensive range of Fixed Deposits, Bonds and Debt instruments. These are screened and evaluated for safety and suitability to your individual liquidity requirements before recommendation.

GOVT. COMPANY     8.5-9.5%
PRIVATE SECTOR     10-12%

Interest structure on Fixed Deposit Schemes

Companies	Ratings
Ballarpur Ind. Ltd.	FA+
Chambal Fertilizers	FAA-
Dabur (I) Ltd.(only cumulative)	FA+
Gujrat Heavy Chemicals Ltd.	MA+
HDFC (Trust)	AAA
HDFC (Individual)	AAA
HUDCO (48m-9.50)	FAA-
ICICI Ltd.	MAAA
Kotak Mahindra Finance Ltd.	FAA+
L & T Ltd.	FAAA
NTPC	FAAA
RPG Cables SAIL	FA+
Unitech Ltd..(Min Amt.Rs.25000 for 6m)	FA-
Vam Organics Chem. Ltd.	FA+

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Initial Public Offerings
Our IPO team conducts in-depth studies of the companies, their offers and the market potential of their scrip. Based on company fundamentals and industry statistics, they screen the many offerings available selecting only those, which they believe, will add value to your portfolio. Our team selects companies carrying reliable and substantial ratings from CRISIL/ICRA. We recommend companies having a proven track record in timely repayments

Mutual Funds in India
A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. Anybody with an investible surplus of as little as a few thousand rupees can invest in Mutual Funds. These investors buy units of a particular Mutual Fund scheme that has a defined investment objective and strategy.

Mutual funds are very tightly regulated by the SEBI. These regulations provide more investor safeguards than for any other type of investment. As a result, the mutual fund industry has built a solid reputation that has helped to fuel its phenomenal growth. Currently, there are approximately 37 mutual funds that publicly offer more than 500 schemes in the country In India, the Mutual Fund started with setting up Unit Trust of India in 1964. Public Sector and Financial Institutions began to establish Mutual Funds in 1987.

      SECTOR FUNDS 30-35% (TAX FREE)
      DIVERSIFIED EQUITY FUNDS 20-25% (TAX FREE)
      BALANCE FUNDS 15-20% (TAX FREE)
      INCOME FUND/NIP 10-12% (TAX FREE)
      LIQUID FUND 8-9% (TAX FREE)
      Sector Funds-Information Technology/PHARMA
      PIONEER ITI INFOTECH FUND
      BIRLA IT
      MAGNUM IT
      PRUDENTIAL ICICI TECHNOLOGY
      MAGNUM PHARMA
      UTI PHARMA & HEALTHCARE

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Equity - Diversified
      ALLIANCE EQUITY
      BIRLA ADVANTAGE
      HDFC GROWTH FUND
      TATA PURE EQUITY

Balance Funds
      ALLIANCE 95
      ZURICH INDIA PRUDENCE
      PIONEER ITI OENSION PLAN
      JM BALANCED-G
      BIRLA BALANCE

Liquid Fund
      ALLIANCE CASH MANAGER
      DSPML LIQUIDITY
      BIRLA CASH PLUS
      TEMPLETON INDIA

*Liquid fund declares dividend on weekly basis.

UTI Schemes
      US 64 (BAL)
      US MAHILA (DEBT)
      UTI CCGP
      US 95 (BAL)
      UTI GROWTH FUNDS

Monthly Income Plan Scheme
      ALLIANCE MIP
      KOTHARI MIP
      RELIANCE MIP
      PRU. ICICI MIP SBI MIP
      UTI MIPP

Income Funds
     CHOLA TRIPLE ACE
      TEMPLETON INDIA
      BIRLA INCOME PLUS
      SUNDRAM BOND
      DSPML BOND
* Income fund declares dividend on half yearly or quarterly basis.

Bonds/Government Securities

     RBI BONDS
     

Particulars	8% (Taxable)	6.5% (Tax Free)
Tenure	06 years	05 years
Interest Payable	Half Yearly	Half Yearly
Transferability	Not Transferable	Not Transferable
Nomination	For Sole Holders	For Sole Holders

ICICI/IDBI BONDS
      RETURN: 9-9.50%

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