th thPosted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month.

R.N.I. NO. : MAHENG/2001/5593POSTAL REGD. NO. : Tech–47/1416/MBI/09-11WPP LICENSE NO. : MR/Tech/WPP-206/North/09-11

QUALITY INVESTMENT UNDER ONE ROOF November - 2010PRICE Rs. 1/- Volume - IX Issue - 11

PUBLICATION

Pages : 6 For Private Circulation Only II OM SHRI SAI RAM II

Contents Pg.

•Fixed Maturity Plans / Systematic Investment Plan 1

• HDFC Premium Deposits. / Fixed Deposit Scheme /Bhavishya Nirman Bond 2

• Mutual Fund Update 3

• Endowment Plus / LIC’s Pension Plus 4

• HDFC SLIC / HDFC Term Assurance Plan 5

• Capital Gain Tax Exemption / Post Office Schemes / Public Provident Fund(PPF) 6

9% Senior citizen / 8% Saving Bond /

Office No. 2, 1st Floor, R.N.A. Shopping Arcade, Lokhandwala Complex, Andheri (W), Mumbai - 53.

AMFI Certified Financial Advisor & IRDA Certified Insurance Consultant

QUALITY INVESTMENT UNDER ONE ROOF

Portfolio Designer for Insurance & Investments 91- 22 - 2633 8819 / 2635 0236 / 91- 22 - 2639 5714 Fax : 91- 22 - 2632 5363

Website : www. guptainvestments.com E-mail : gagan@guptainvestments.com

G

Wish you all Happy DiwaliMay this Divine Light of Diwali shine with

Peace, Prosperity, Happiness and Good Health in your life.

Cheque in favour of “Respective BANK A/C - 8% Saving (Taxable) Bonds”.

FEATURES : 8% TAXABLE BONDS

8% Saving Bond 2003

Documents Required :

• PAN Card & Address Proof Xerox Copy Required for SBI Bank &

• Pan Card & Address Proof Original Required for AXIS Bank.Kindly confirm for ECS Mandate / Enclosure to be attach

with Application Form as it differ From Bank to Bank

9% Senior Citizens

Documents Required :Original PAN Card & Address Proof alongwith Xerox Copy duly self attested.

Eligibility : 1) Age 60 years or above on the date of opening of account.

2) Age 55 years or more in case of VRS or beopened within 3 months from the date of retirement and a certificate from the employer should be submitted.

Deposit Amount : Minimum Rs.1,000/- and in multiple there of up to Rs. 15 Lacs (maximum)

Interest : @9% p.a. (Simple) payable quarterly as on 31st March, 30th June, 30 th September & 31st December. Interest is fully taxable.

Nomination : Facility is available even in joint accounts.

Premature Closer : A) Can be closed at any time after completion of one year from the date of open in the account (B) If closed before expiry of 2 years an amount equal to 1½ percent of deposit shall be deducted. (C) In case account is closed after 2 year but before maturity an amount equal to 1 percent of deposit shall be deducted.

Mode of Holding : Generally single, joint mode is permitted but ONLY with spouse.

Tax Benefit : Investment Qualify U/s. 80CCC to extent of Rs. 1,00,000 Lac. for 5 yrs.

• ELIGIBILITY : Individuals, Minors, HUF. NRI’s not allowed. (Trust & Institutions

eligible for 8% bonds)

• MIN-MAX INVT. : Rs.1,000/- & in Multiples of Rs.1.000/- No Limits

• INTEREST OPTION : Hlaf Yearly or Cumulaive Rs.1,000/- Becomes Rs.1,601/-

After 6 yrs. @10.01YTM

• NOMINATION FACILITY : a) This facility will be available for Individual

investment for sole holder. b) This facility will not be available for joint

holdings and minor investment.

• LIST OF DOCUMENTS : 1) POA executed in India - POA Investment

2) Birth Certificate of the minor-minors Investment 3) Pan Card Xerox

Systematic Investment plan is a smart way to create wealth. It doesn’t demand Lump Sum investments. Just a little every month. What’s more? With SIP, you don’t need to time the market. And over a long period, your Investment averages out the market highs and lows. Hence you buy more units when the market is low and less when the market is high. SIP is truly small on savings and big on benefits. So develop a good habit of regular Savings. This SIP (Systematic Investment Plan) is applicable in both of Cases i) Investing in Mutual Fund as well as ii) Unit Linked Insurance Plans.

Systematic Investment Plan

Taki apka har sapna poora hoInvesting Systematically in Equity fund has been a

proven method for creating wealth in Long term.

FMPs are back in fashion this summer

Fixed Maturity Plansdefined maturity period such as monthly, quarterly, half yearly, annual plans with maturity of more than 1 year , to suit various needs of investors. FMPs are open for subscription only during specified period at the time of launch of the scheme. In order to Provide liquidity to the investors, some FMPs offer a repurchase facility so that gives an option of selling back the units of the mutual fund at NAV related price at applicable load .

In short the tenure of FMPs is fixed like Fixed Deposit schemes. However being Mutual Fund schemes, FMPs are neither capital protected nor offer assured returns, FMPs generally invest in fixed income instruments, like CBLO, Repo, government securities, money market instruments, corporate bonds, debentures, other debt securities etc.

are closed ended debt oriented mutual fund schemes with a

The hardening interest rate scenario and the possibility of a rate hike by RBI have increased the attractiveness of the product.

Fixed Maturity Plans

November - 2010 Page : 2GUPTA PUBLICATION

Sr. No.

Company & Rating Period Minimum & Multiple of Interest (%)Interest (%)

The Interest Rate Structure for Fixed Deposit Scheme are as under

Notes : Any one of the following documents to be obtained for KYC a) Passport b) Voter’s Identity Card c) Driving License d) Telephone Bill e) Bank Statement f) Electricity Bill

g) Ration Card PAN copy for Application > 40,000/- Interest rates are subject to change and the rate applicable will be the rate payable on the date of deposits.

Fixed Deposit Scheme

Qtr. H.Y Ann/ Cum(Yield)

BHAVISHYA NIRMAN BONDSA 10 Year Zero Coupon Bond opened on 10th May, 2010

High Returns on 10 Years, ‘AAA’ rated

No TDS

For Further details Contact : Narendra (Business Executive) Mob.: 93219 27291 E-mail : mutualfund@guptainvestments.com

National Bank for Agriculture And Rural Development

13 Months Rs. 10,000 - - 7.50 -1 Godrej Industries Limited 24 Months (& in multiples of - 8.00 - -

36 Months Rs. 1,000 thereafter) - 8.50 - -

1 Years Rs. 10,000 - Cum 7.65 7.75 8.002 Mahindra Finance 2 Years Rs. 25,000 - H.Y. 8.15 8.25 8.86 Senior Citizen &

CRISIL RATING FAA 3 Years Rs. 50,000 - Qtr. 8.65 8.75 9.83 Shareholder 0.25%4 Years (& in multiples of 8.65 8.75 10.29

5 Years Rs. 1000 thereafter) 8.65 8.75 10.77

3 Godrej & Boyce 3 Years Rs. 40,000 - MtyMfg. Co. Ltd. Rs. 15,000 - H.Y. - 8.00 8.00 Mty in case of 40,000

(& in multiples of Rs. 1000 thereafter)

FIXED % (p.a) MATURITY VALUE4 Shriram Unnati FOR RS. 25,000

Fixed Deposit 1 Years 8.75 8.48 8.57 8.75 27,188.002 Years 9.50 9.18 9.28 9.95 29,975.003 Years 10.00 9.65 9.76 11.03 33,273.004 Years 10.00 9.65 9.76 11.60 36,600.005 Years 10.00 9.65 9.76 12.21 42,263.00

5 Godrej Properties Ltd 1 Years Rs.10,000/- - 7.50 - -2 Years - 8.00 - -3 Years - 8.50 - -

Let Your Money Grow Safely and Securely Looking for Assured Returns Safely? Invest in

HDFCHDFCDEPOSITSWITH YOU RIGHT THROUGH

‘FAAA’ and ‘MAAA’ rating for the Fourteenth Consecutive year by CRISIL and ICRA

HDFC Premium Deposits.

Period(Months)

MonthlyIncome Plan

QuarterlyOption

Half- Option

Yearly Annual Plan

Income CumulativeOption

15 7.55% 7.60% 7.65% - 7.80%

30 7.70% 7.75% 7.80% 7.95% 7.95%

45 7.80% 7.85% 7.90% 8.05% 8.05%

Min. Amt. Rs. 40,000 20,000 20,000 20,000 20,000

PREMIUM DEPOSITS (Fixed Rates only)

Notes :- The rate of Interest for deposits of Rs. 1 crore and above would be as per the extant guidelines from time to time. Interest rates are subject to change and the rate applicable will be therate payable on the date of deposits.

Rate Effective from 18th October,

2010

Tax Liability No tax at source. The said income will be treated as Capital Gains and capital gains tax, if any, will be payable by the investor directly to the Income Tax Authorities.

Listing The bond will be listed at BSE

Who can apply? Resident Individuals (Minor), Karta of HUF, Society, Company, Commercial Bank/RRB/Co-op Bank, PF, Superannuation Funds and Gratuity Funds, Financial Institutions, Body Corporate, Mutual Funds and Insurance companies and NRI in Indian Rupees from NRO a/c Only (TDS applicable).

Face Value Rs. 20,000/- per bond ( Invest Rs. 9,500/- per bond & receive Rs. 20,000/- after 10 years )

Minimum Five bond and thereafter in multiples of one bond (47,500 +9,500)

Application Size (for Trading, the market lot will be 50 Bonds in Demat mode)

Payment Cheque / Draft in favour of “ NABARD ” (Chq / DD should be crossed “ A/c Payee only ”)

Tenure 10 years

a) Senior Citizens (60 Years +) would be eligible for additional 0.25% p.a. b) The above rates are applicable for deposits of below Rs. 1 Crore.c) Interest is compounded annually for cumulative interest plan.

November - 2010 Page : 3GUPTA PUBLICATION

Mutual Fund Update

Source: www.mutualfundsindia.comDisclaimer: The information contained in this report has been obtained from sources considered to be authentic and reliable. However, mutualfundsindia.com is not responsible for any error or inaccuracy or for any losses suffered on account of information contained in this report. This report does not support to be an offer for purchase and sale of mutual fund units.

Mutual Fund Investments are Subject to Market Risk. Please read the offer document carefully before investing

For Further details Contact : Narendra (Business Executive) Mob.: 93219 27291

Equity Mutual Fund : Mean that invest Principally in stocks, it can be actively or Passively Managed. Also Known as a “Stock Fund”. Stock Mutual

Funds are Principally Categorized according to company size, the investment style of the holdings in the Portfolio and Geography. Size is determined by a Company’s market Capitalization while the investment style reflected in the Fund’s stock holding is also used to Categorize Equity Mutual Funds.

Scheme Name

DSP BlackRock Equity Fund - Dividend 57.901 33.3907 2 45.0226 5 14.3499 4 27.3882 3 26.4175 3

HDFC Equity Fund - Growth 301.739 36.9785 1 53.7718 1 16.6691 2 27.3441 4 24.0738 5

HDFC Top 200 - Growth 228.841 29.0197 5 46.7244 4 16.0984 3 27.6063 2 26.711 2

Reliance RSF - Equity - Growth 34.512 30.1819 4 50.0625 2 18.1699 1 27.9756 1 25.9929 4

Tata Equity P/E Fund - Growth 52.5157 32.6724 3 48.1685 3 11.7819 5 23.682 5 30.1386

Average 32.4486 48.75 15.4138 26.7992 26.6668

Minimum 29.0197 45.0226 11.7819 23.682 24.0738

Maximum 36.9785 53.7718 18.1699 27.9756 30.1386

Indices

S&P Nifty 6177.35 20.6938 32.4991 4.391 19.97

BSE Sensex 20497.64 18.9572 33.6031 3.6183 20.0926

BSE200 2603.37 22.2211 38.4009 5.1072 19.9474

CNX500 5084.75 22.2413 37.6127 4.5214 18.4351

BSE100 10915.16 20.4534 36.1665 4.6293 20.1797

Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince

InceptionNAV

(14.10.10)

EQUITY FUND

MIPS : Means generating regular monthly income to meet my Family monthly expenses. MIP Fund aims to generate regular income, primarily through

investment in Fixed income Securities so as to make monthly quarterly.

Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince

InceptionNAV

(16.9.10)

Birla Sun Life Monthly Income - Qtly Dividend 12.0014 8.1658 3 15.9898 3 7.96 4 9.3464 4 10.9165 2

FT India MIP - Plan A - Quarterly Dividend 11.7555 6.6859 5 11.8122 5 5.1134 5 7.512 5 9.5684 5

HDFC MIP - LTP - Qtly Div 13.5935 12.4143 1 21.7391 1 11.1091 2 11.8929 1 11.9134 1

HSBC MIP - Savings Plan - Quarterly Dividend 12.3115 8.1024 4 15.9214 4 8.1867 3 10.1766 3 9.6321 4

Reliance MIP - Quarterly Dividend 11.7607 10.9865 2 19.9539 2 12.7495 1 11.6043 2 10.8694 3

Average 9.271 17.0833 9.0237 10.1064 10.58

Minimum 6.6859 11.8122 5.1134 7.512 9.5684

Maximum 12.4143 21.7391 12.7495 11.8929 11.9134

Indices

Crisil MIP Blended Index 2040.035 8.3446 12.1002 6.8103 8.2227(13.10.10)

MIP FUND

Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince

InceptionNAV

(19.10.10)

BALANCED FUND

Birla Sun Life 95 - Growth 321.01 21.8405 4 46.391 2 13.1071 4 20.947 3 24.7283 1

Birla Sun Life Freedom Fund - Growth 33.89 2.2076 6 16.8959 6 1.2285 6 11.018 6 11.704 6

DSP BlackRock Balanced Fund - Growth 69.662 22.4667 3 36.608 4 13.7587 3 22.1528 2 18.5527 4

HDFC Balanced Fund - Growth 56.754 34.6073 1 45.325 3 17.5825 2 19.6348 4 18.736 3

HDFC Prudence Fund - Growth 219.762 31.4652 2 51.2647 1 17.8245 1 24.0041 1 22.1939 2

Kotak Balance 23.905 16.1589 5 31.2178 5 7.5712 5 17.2617 5 18.5231 5

Average 21.4577 37.9504 11.8454 19.1697 19.073

Minimum 2.2076 16.8959 1.2285 11.018 11.704

Maximum 34.6073 51.2647 17.8245 24.0041 24.7283

Indices

Crisil Balanced Fund Index 3652.3817 14.0568 29.8655 6.5126 15.3769(18.10.10)

November - 2010 GUPTA PUBLICATION Page : 4

LIC’s

PensionPlus

UNIT LINKED PENSION PLAN

Age at entry

Age at vesting

Minimum Deferment Team

Minimum

Mode

Maximum

Prem

ium

Sum Assured NA

18 to 75 years

40 to 85 years

10 years

15,000 pa

RP

1Lac

1,500 pm

MLY (ECS)

1Lac

30,000

SP

No Limit

Eligibility Conditions

For further detail contact : Pravin (Business Executive) 93219 27290 E-mail : insurance@guptainvestments.com

LIC’s Endowment Plus

Age at entry

Age at vesting

Policy Term

Minimum

Mode

Maximum

Premium

Top-up Top-up premium not allowed

7 to 60 years

18 to 70 years

10 to 20 years

20,000 pa

Regular

1Lac pa

1,750 pm

Monthly (ECS)

1Lac pa

30,000 pm

Single Premium

No Limit

Eligibility Conditions : LIC’s Endowment Plus (T-802)

Regular Premium Single Premium

Age at entry

Minimum

Age at entry Age at Maturity

(Policy Term + 1) xAnnual Premium

< 45 years < 45 years

1.25 x SP 1.10 x SP

Upto 45 46 to 60 yrs

Sum Assured

Maximum

Upto 65 66 to 70 yrs

30 x AP 25 x AP Upto 55 yrs (+CIR)Upto 55 yrs (+CIR)

56 to 60yrs (+CIR)

5 x AP 3 x AP

Note : SA Shallbe in multiplesof 1,000/-

« Four Free switches ever year. No limit on no. of switches. « Loans: § Can be availed after completion of three years and provided all due premiums have been paid. § Loan will be to the extent of 30% of the Policyholder’s Fund value. § Presently rate of interest is 9%

LIC’s Endowment Plus (T-802) - Other Features

« Unit Linked Endowment cum Investment Plan« Loan after 3 year from commencement« Partial Withdrawal after 3 years form commencement« Plan can be availed on the life of a child, from the age of 7yrs.« Accident Benefit Rider« Critical illness Rider

LIC’s Endowment Plus (T-802)

« Benefit on Maturity Fund Value« Death Benefit Higher of Sum Assured under the Basic Plan and the Policyholder’s Fund Value

LIC’s Endowment Plus (T-802)

« Risk Commence immediately« Loans allowed after completion of 18yrs of age.« From policy anniversary after completion 18yrs of age- - Riders may be availed - Partial Withdrawals possible

LIC’s Endowment Plus - for Minors

« Withdrawal before 5 years: Monetary Value is calculate on the date of termination. The amount so calculated will earn minimum interest @ 3.5% p.a. from date of withdrawal to completion of 5 years and will be paid on completion of 5 years from the date of commencement

« Withdrawal after 5 years. Fund Value is payable.

Endowment Plus - Other Features

« Minimum Risk Cover Guaranteed« Easy liquidity - Loan available after 3 years & Partial Withdrawal after 5 years.« Low Charges« Prudent Fund Managers to fetch you best returns of the Market

LIC’s Endowment Plus (T-802)

For further detail contact : Pravin (Business Executive) 93219 27290 E-mail : insurance@guptainvestments.com

LIC of INDIA

LIC’s Endowment Plus

Withdrawal Facility• Withdrawal : On Withdrawal, Monetary Value is due. 1/3rd of the Monetary Value can be commuted, Balance is used for Annuity.

• Withdrawal before 5 years : Monetary Value is calculated on the date of termination. The amount so calculated will earn interest @ 3.5% p.a. from date of withdrawal to completion of

5 years and will be due only on completion of 5 years from the date of commencement.

• Withdrawal after 5 years : Fund Value is due

• Two free switches per year.

• Top-up premiums allowed except during the last 5 years of maturity.

Why Pension Plus ?• Minimum Interest Guarateed. This protects against fluctuation of interest due to policies of

the government in the distant future.

• Since individuals in Private Employment and those engaged in Business do not have pension security, Pension Plus fulfils their need for a secured future.

• Being Market Linked, the plan has possibility of getting excellent returns.

• Easy Purchase.

• Convenient modes of payment, Single Premium mode also available.

• Compulsory purchase of Annuity ensures channelisation of funds for specific purpose.

• Regular income from the commencement of annuity.

Benefit on Maturity• Annuity purchased from Fund Value or Guaranteed

Maturity Proceeds whichever is higher.

• Option to commute 1/3rd of the Maturity Proceeds.

Benefit on Death - Fund Value• Nominee has the option to receive the amount in

lump sum or as Annuity

Guaranteed Maturity ProceedsIf all due premiums are paid till maturity, a guaranteed interest shall accrue on the gross premium, including Top-up premiums, at the end of each financial year. The guaranteed interest rate shall be 50 basis points above the average of the reverse repo rate prevailing as on the last working day of June, September, December and March of the preceding year.

However, the guaranteed interest rate shall be subject to a maximum of 6% and a minimum of 3% The minimum guaranteed rate of 4.5% p.a. is applicable to all premiums received up to 31st March, 2011, including anyTop-up premiums paid.

November - 2010 GUPTA PUBLICATION Page : 5

ON THE CREST OF A WAVE Investors looking for guaranteed NAV plans can consider HDFC SL CREST as it tops the chart of such products in the market

ULIP REVIEW

skandita.agrawal@timesgroup.com

Dear All,

HDFCSTANDARD LIFE

Sar Utha Ke Jiyo

UARANTEED highest net asset value (NAV) plans are gaining prominence in the market. This is due to the fact that they satisfy customer G

needs and offer a new avenue for insurers to sell their services especially after the implementation of the new guidelines. The new Ulip season has a number of such plans. HDFC SL CREST is a unique guaranteed highest NAV plan launched by HDFC Standard Life Insurance. This is a short-term plan leaning more towards investment than insurance. The premium payment term under the plan is limited to five years and the policy tenure is fixed for 10 years.

The plan offers two investment strategies, namely, free asset allocation and highest NAV guaranteed option. The highest NAV fund guarantees a minimum of ` 15 or highest NAV during the initial seven years of the fund or the NAV on the date of maturity (whichever is higher) to the policyholder. The free asset allocation strategy provides five investment options (funds) for policyholders. One can choose from equity, debt or balanced portfolio. For instance, blue chip and opportunity are equity based, whereas short term and income funds are debt based. Those looking for a balanced portfolio can opt for the balanced fund and highest NAV guaranteed fund.

The cost structure of CREST is a little on the higher side, but it is worth the guarantee provided by the plan of a minimum of ` 15 net asset value (NAV). No other company in the industry has provided such a guarantee so far. The premium allocation charge is low. But the policy administration charges and fund management charge of the guaranteed NAV fund make the product a

COST STRUCTURE

little expensive. Those opting for free allocation investment strategy need not worry, as the cost remains low.

Apart from the minimum guarantee that the product provides, it has a unique feature that is not offered by any other company in the industry, that is a 30-day free look

period. It is a time period within which a person can return the policy back to the company in case he doesn't find it suitable. Other companies offer a shorter free look period of 15 days.

The company also has initiated a marketing strategy wherein the company provides a year's assurance to change the existing product in case it does not suit the policyholder's needs. The policy also offers a settlement option, however, the same is not available under the highest NAV guaranteed fund option.

Ulips are popularly known as an investment cum-insurance product. Since the premium is invested in assets like equity and debt, it is important for investors to choose products as per their risk appetite and keep a track of the performance of their investment. Though CREST is a new product, a few funds offered in this product such as blue chip, income and opportunity funds have been running for the past eight months. Opportunity fund is a mid-cap fund. It has been one of the top performers having generated absolute gains of about 26.8% over the past eight months. This implies that ` 100 invested in this scheme three years back would be worth ` 126.5 today. Blue chip fund is a large cap fund, but this fund has been unable to outperform its benchmark BSE 100. Short-term fund and balanced fund have been just launched. The highest NAV guarantee fund also is a new fund. The company will follow a conservative approach in managing this fund. It is most suitable for those who do not want to participate in the risk of volatility of the equity market

HDFC Standard Life Insurance follows a defensive investment strategy. It has been continuously reducing its exposure from financial sectors. The company is overweight in capital goods, consumer durables, and FMCG. The blue chip fund has the highest allocation in capital goods stocks. The company also has higher exposure to the healthcare sector. The portfolio of short-term fund, balanced fund and guaranteed fund does not still exist, as they are quite nascent with very little asset under management (AUM). The fund manager has affirmed infrequent churning of

BENEFITS

PERFORMANCE

PORTFOLIO REVIEW

the portfolio. Only 20% of the portfolio is churned on an annual basis.

On maturity, the policyholder receives the accumulated fund value. If you have selected the highest NAV guaranteed fund option, the fund value will be computed on the basis of the NAV which will be the higher of ̀ 15 or the highest NAV during the initial seven years of the fund. This implies that `. 100 invested at ` 10 NAV would be at least worth ` 150 on maturity. In case the NAV is more than ` 15, the fund value will increase accordingly. However, if the free asset allocation strategy is selected then the fund value will be the corpus prevailing in the investment option on the date of maturity. On sudden demise of the policyholder, the nominee will receive the higher of the sum assured or the fund value.

CREST is more like an investment product than an insurance scheme. The guarantee of minimum ̀ 15 NAV provided is an exceptional factor in the product. Also, the higher free look period is an added advantage. The past records of HDFC are also quite encouraging. Among the currently available guaranteed NAV plans in the market, HDFC CREST tops the chart.

DEATH/MATURITY BENEFITS

OUR VIEW

HDFC Term Assurance Plan

(A pure risk cover plan, which gives you protection against the uncertainties of Life.)

HDFCSTANDARD LIFE

I N S U R A N C E

Sar Utha Ke Jiyo

Secure your Family’s Financial Independence and self respect

“Go ahead; ensure a life of dignity and respect for those who matter most to you”

Term Assurance Plan with Lowest Premium

• An ideal way to secure the financial future of your loved ones.

• High cover at a very nominal cost plus an option of adding optional benefits to cover for other eventualities.

• Choice of premium payment options-regular premium or a single one-time premium.

• Choice of taking the plan on a single life basis or joint life (first claim) basis.

Our Protection Plans give you

For Further Contact : Pravin Jadhav (Business Executive) 93219 27290 E-mail : insurance@guptainvestments.com

Public Provident Fund (PPF)

November - 2010 GUPTA PUBLICATION Page : 6

Your Personal Investments & Insurance AdvisorOffice No. 2 R.N.A Shopping Arcade,

1st Floor, Lokhandwala Complex,

Andheri (W), Mumbai - 400 053.

, G

91-22-4016 3736

(M) 93238 35902

(D)

91-22-2633 8819 / 2635 0236

Fax : 91-22-2632 5363

E-mail : gagan@guptainvestments.com

Website : www.guptainvestments.com

“Quality Investment under one roof ”

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

Mumbai-400 069. & Published at Office no 2, 1st Floor, R. N. A. Arcade,

Lokhandwala Complex, Andheri (W) Mumbai 400 053.

SchemesInterestrate (%)

Term (years)Max.

Investment (Rs)

Exemption onInvestments

Taxability oninterest

Feature

Post Office SchemesInvest Today in Solid, Safe & Secure

1 2 3Accumulated interest compounded yearly paid on maturity along with the principal Compounded half yearly Compounded quarterly4Rs. 9 Lacs in Joint A/c & Rs.4.5 Lacs in SingleA/c

Sound ReturnsSafe Money

Please Note : Documents for Post Office Scheme.1) Three photo of each applicant. 2) PAN card of each applicant. 3) Address proof copy of each applicant.4) ITRs copy required if investment above Rs.10Lac. 5) Sign required backside of cheque. 6) Cheque in favour “The Postmaster Andheri H.O.”

Capital Gain Tax Exemption Bonds - U/S 54EC

1/4/106.00%

(Financial Year April - 2010 to March - 2011)

National Highway Authority of India (Series-X)

6.00 6.00

No TDS

4PO Monthly 8.00 6 years 9 lakh None Fully Taxable 5 % bonus on maturityIncome Scheme

1Kisan Vikas Patra 8.41 8 years, No Limit None Fully Taxable Money doubles in7 months 8 years, 7 months

2National Savings 8.00 6 years No Limit Sec 80C Fully Taxable Interest earned in firstCertificate 5 years gets Sec 80C break

Post Office Time 6.25 - 1,2,3,5 No Limit None Fully Taxable Sec 80C benefit on 3Deposit 7.50 years 5-years deposits7.5

-

-

-

-