presentation on financial management - copy124524

8/7/2019 PRESENTATION ON FINANCIAL MANAGEMENT - Copy124524

1/34

PRESENTATION ON FINANCIAL

MANAGEMENT

PRESENTED BY:- SAGAR SINGHA

GURPREET BACHHAL


2/34

A Mutual Fund is a trust that pools the savings of a

number of investors who share a common financialgoal. The money thus collected is then invested in

capital market instruments such as shares,

debentures and other securities. The income earned

through these investments and the capital

appreciation realised are shared by its unit holdersin proportion to the number of units owned by

them. Thus a Mutual Fund is the most suitable

investment for the common man as it offers an

opportunity to invest in a diversified, professionally

managed basket of securities at a relatively low

cost. The flow chart below describes broadly the

working of a mutual fund:

M T L F


3/34

The flow chart below describes broadly the working of a mutual fund:


4/34

Public Provident Fund (PPF) is supported by

the Indian government. An investment of

minimum Rs 500 and maximum Rs 70, 000 is

required to be deposited in a fiscal year. The

prospective investor can create a PPF account

in a GPO or head post office or in any sub-

divisions of the centralized bank.

PPF also falls under Section 80C of IT Act so

investors could gain income tax deduction of

up to Rs 1, 00,000. The rate of interest ofPPF

is evaluated yearly with a lock in tenure ofmaximum 15 years. The basic rate of interest

in PPF is 8%.

LI OVI T F


5/34

Controlled by SBI, old Deposit Scheme was instigated in the year 1999.Investments in this scheme are open for trusts, firms and HUFs with no

specific upper limit. The investor can deposit invest minimum of 200 gm

in exchange for gold bonds holding a tariff free rate of interest of 3% - 4%

on the basis of the period of the bond varying with a lock in period of 3 to

7years.

Moreover, oldbondsarenotentitledofcapitalgainstaxandwealth

tariff. Thesuminsuredcanbeaccruedbackincashorgold, asperthe

investor'spreference.

INVESTMENTS IN GOLD


6/34

CITI S GOLD ICE10GM

CHENNAI 20865

MUMBAI 20770

DELHI 21070

KOLKATA 21O55

GOLD ICE IN INDIA


7/34

In a Fixed Deposit Saving Scheme a certain sum of money is

deposited in the bank for a specified time period with a fixed rate ofinterest.

When you want to invest your hard earned money for a longer period

of time and get a regular income, Fixed deposit scheme is ideal. It is

safe, liquid and fetches high returns.

Now many banks dont charges for premature withdrawal.

FIXEDDEPOSITS


8/34

Indian real estate industry has huge prospects in sectors like

commercial, housing, hospitality, retail, manufacturing, healthcare

etc. Calculated realty demand for IT industry in 2010 is estimated at

150m sq.ft. around the chief Indian cities. Termed as the "money

making industry", realty sector of India promises annual profits of

30% to 100% through real estate investments.

InvestmentsinealEstate


9/34

RBI Relief Bonds are

instruments that are issued bythe RBI, and currently carry an

8.5 per cent rate of interest,

which was reduced from 9 per

cent early this year. The

interest is compounded half-

yearly. Maturity period of RBI

Bonds is three years, and

interest received is tax-free in

the hands of the investor.

RBI RELIEF BONDS


10/34

INVESTING INSTOCK

MARKETS


11/34

Steel Authority of India Limited -Steel Authority of India Limited (SAIL) is the leading

steel-making company in India. It is a fully integrated

iron and steel maker, producing both basic and special

steels for domestic construction, engineering, power,railway, automotive and defence industries and for sale

in export markets. SAIL is also among the four

Maharatnas of the country's Central Public Sector

Enterprises.

SAIL


12/34

WeeklyH/L 159.50 / 151.50

MonthlyH/L 168.25 / 151.50

52WeeksH/L 258.55 / 151.50

(6Apr10 ) (28 Feb11 )

STOCK HISTORY OF SAILLtd


13/34

Established in 1972, Unitech is today a leading real

estate developer in India. Known for the quality of its

products, it is the first developer to have been

certified ISO 9001:2000 in North India and offers the

most diversified product mix comprising residential,

commercial/IT parks, retail, hotels, amusement parksand SEZs.

Unitech Scrip is one of the most liquid

stocks in the Indian stock markets and

was the first real estate company to bepart of the National Stock Exchange's

NIFTY 50 Index. The company has over

600,000 shareholders.

UNITECH


14/34

UNITECH Stock History

StockHistory

WeeklyH/L 35.80 30.70

MonthlyH/L 47.15 30.70

52WeeksH/L 98.45 30.70

(7 Oct10 ) (25 Feb11)


15/34

DLF Limited, is India's largest

real estate company in terms of

revenues, earnings, market

capitalisation and developablearea. It has over 60 years of track

record of sustained growth,

customer satisfaction, and

innovation. The company has399 msf of planned projects with

56 msf of projects under

construction.

DLF Ltd


16/34

StockHistory

WeeklyH/L 224.00 209.00

MonthlyH/L 252.90 209.00

52WeeksH/L 397.35 209.00

( 4 Oct10 ) (25 Feb11 )

DLF STOCK HISTORY


17/34

BGR ENERGY SYSTEMS LTD

The Company was originally incorporated in 1985, as a joint

venture between GEA Energietechnik GmbH, Germany and

the Promoter, Mr. B. G. Raghupathy, to manufacture and sell

On-line Condenser Tube Cleaning Systems, Debris Filters

and Rubber Cleaning Balls used in Thermal and NuclearPowerPlants. In 1993 Mr. B. G. Raghupathy and members of

his family became the sole shareholders of the Company and

began to expand the range of product and services range in

the Power and Oil & Gas industries. On June 28, 2007 the

Company name was changed from GEA Energy System(India) Limited, to BGR Energy Systems Limited.


18/34

STO

CK HIS

TORY

Weekly H/L 482.8 402.10

Monthly H/L 578.85 402.5

52WeeksH/L 871.5 402.10

BGRENERGYSYSTEMS Ltd..


19/34

Company Current share

price

No. of shares to

be purchased

Total Amount

SAIL 150 220 35000

Unitech Ltd 35.20 2286 80000

DLF 222.65 157 35000

BGR Energy

System429.55 116 50000

Total 200000

Total Investment In Stock Markets


20/34

IDBI Fixed Deposit


21/34

Tenor Upto 15 Lac (%) Above Rs.15 lakh upto Rs.1 cr

(%)

15-45 days 4.50 4.50

46-90 days 6.00 6.00

91 days < 6 months 7.50 7.50

6 months- 269 days 7.75 7.75

270 days- 1 year 8.00 8.00

1 year 1 day-499 days 8.75 8.75

500 days 9.00 9.00

>500 days -1099 days 9.00 9.00

1100 days 9.25 9.25

> 1100 days - 5 yrs 9.00 9.00

> 5 yrs-7 yrs 9.00 9.00

>7 yrs - 10 yrs 8.75 8.75

PLAN SUMMARYOF IDBI FD


22/34


23/34

LIC Bima Account:-

LIC Bima Account (Plan No. 805) is a without profit Variable

Insurance Product wherein the proposals will be accepted under Non-

medical Scheme only. Under this plan there will be a Policyholders

Account maintained separately for individual policyholder, whichshall consist of two parts;

Policyholders RegularPremium Account

Policyholders Top-up Premium Account.

The Policyholders Account will earn an annual interest of 6% p.a.

provided the policy is inforce and 5% p.a. if the policy is paid-up.

The interest rate will be guaranteed for the whole of the policy term.


24/34

An Endowment Plan with guaranteed return

Premium Top up facility

A plan with Guaranteed Interest of 6% for Whole Term

A very high Risk cover

Short Term policy (5-7 years)

Loan Available after 1 Year : 60% of amount in Policyholders account

Surrender Available after 1 year but money will be given after 3 years

No Surrender Charges

LIC Bima (RegularPremium Account ) a Glance


25/34

BENEFITS:

a) Benefits payable on death:

In case of death of the Life Assured during the policy term, when the policy is

inforce, the nominee shall get the Sum Assured along with the balance in the

Policyholders Account.

b) Benefits payable on maturity:On life assured surviving the date of maturity an amount equal to balance in the

Policyholders Account is payable.

c) Guaranteed Interest:

Guaranteed interest rate shall be applicable on Policyholders Account and not

on the gross premium paid by the Policyholder.

d) Additional Interest:

The LIC of India may also declare an additional interest rate on Policyholders

RegularPremium Account for inforce policies based on the experience under

this plan


26/34


27/34

What is Time Deposit?

A Post-Office Time Deposit Account is a banking

service similar to a Bank Fixed Deposit offered by

Department of post, Government of India at all post

office counters in the country. The scheme is meant for

those investors who want to deposit a lump sum of

money for a fixed period; say for a minimum period of

one year to two years, three years and a maximum

period of five years. Investor gets a lump sum

(principal + interest) at the maturity of the deposit.

Time Deposits scheme return a lower, but safer,

growth in investment.

INDIAN POST OFFICE


28/34

FeaturesTime Deposits can be made for the periods of 1 year, 2

years, 3 years and 5 years. The minimum investment in

a post-office Time deposit is Rs 200 and then its

multiples and there is no prescribed upper limit on yourinvestment.

Interest is payable annually but is calculated on a

quarterly basis at the prescribed rates. Post maturity

interest will be paid for a maximum period of 24months at the rate applicable to individual savings

account.


29/34

Returns

This investment option pays annual interest rates between 6.25

and 7.5 per cent, compounded quarterly. Time deposit for 1year offers a coupon rate of 6.25%, 2-year deposit offers an

interest of 6.5%, 3 years is 7.25% while a 5-year Time Deposit

offers 7.5% return.

Duration of

Account

Quarterly Compound Interest

1years 6.25%

2 years 6.5%

3 years 7.25%

5years 7.5%

WeareinvestingRs20000in Indianpostoffice


30/34

YEARS INVESTMENT INTEREST

RATE

INTEREST

1 10000 8.5% 850

2 10000 8.5% 850

3 5000 8.5% 425

TOTAL 25000 8.5% 2125

INVESTMENT IN RBI RELIEF BONDS


31/34

We are investing Rs 70000 in Gold bonds

holding a tariff free rate of interest of 3% - 4%

on the basis of the period of the bond varyingwith a lock in period of 3 to 7 years.

INVESTMENT IN GOLD


32/34

CAPITAL 500000

SHARE MARKET 200000

GOLD 70000

LIC BIMA POLICY 35000

RBI REL

IEF BO

ND

S 25000POSTOFFICE 20000

FIXEDDEPOSIT 100000

TOTAL 450000

BALANCE 50000

TOTALINVESTMENT


33/34

With the balance amount of Rs

50000 we have opened a saving

account in SBI @ 3.5% Interest

rate . We can use this amount for

any emergency in future.


34/34

presentation on financial management - copy124524

Documents