Posted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month. II OM SHRI SAI RAM II

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1 Saturday a.m. to 2.00p.m. th th Posted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month. For Private Circulation Only II OM SHRI SAI RAM II R.N.I. NO. : MAHENG/2001/5593 POSTAL REGD. NO. : Tech 47/1416/MBI/09-11 WPP LICENSE NO. : MR/Tech/WPP-206/North/09-11 Pages : 6 PUBLICATION Volume - VIII Issue - 9 9% Senior Citizens 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 be opened 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 p.a. (Simple) payable quarterly as on 31 st 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 spouce. ECS Mandate : Facility is available only in SBI MUMBAI MAIN BRANCH ONLY. Enclosures : 1) Age proof (2) Copy of receipted application form for allotment of PAN, if PAN is not allotted. (3) Pay-in Slip (From-D), duly filled in alongwith amount of deposit. (4) Certificate from the employer as specified in sub-clause (ii) of clause (d) of rule 2 (5) Original plus xerox copy duly signed by the Applicant s. IMPORTANT : 1) ECS mandate is applicable for banks/branches located within the area of Mumbai Bankers Clearing House area only. 2) Mandate without Xerox Copy of the cheque or bank verification will not be considered. Cheque in Favour of :- Respective Bank A/C SCSS 2004 Contents Pg. 9% Senior citizen / 8% Saving Bonds / Post office scheme 1 Fixed Deposit Scheme / HDFC Premium Deposits. Post Office Schemes 2 Jeevan Saral / Jeevan Saathi Plus / Jeevan Anand -165 ICICI Home Finance / HDFC Critical Care Plan / HDFC Term Assurance Plan 4 Mutual Fund/ Capital Gain Tax Exemption Bonds 5 Public Provident Fund (PPF) / 6 QUALITY INVESTMENT UNDER ONE ROOF PRICE Rs. 1/- September Cheque in favour of SBI / HDFC / ICICI / UTI BANK A/C 8% Saving (Taxable) Bonds. Note : Rs.50,000 & Above PAN Card Xerox Copy required or allotment letter in case PAN card is not allotted. POST OFFICE SCHEME MONTHLY INCOME SCHEME (MIS - 6 YEARS) Earn Rs.6000/- p.m. + Rs /- on Maturity Amount of Deposit Interest Effective Yield Premature Withdrawal FEATURES : 8% TAXABLE BONDS ELIGIBILITY : Individuals, Minors, HUF. NRI s not allowed. (Trust & Institutions eligible for 8% bonds) MIN-MAX INVT. : Rs 1000/- & in Multiples of Rs.1000/- No Limits INTEREST OPTION : Hlaf Yearly or Cumulaive Rs.1000/ Becomes Rs.1601/- After 6 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) Guardians certificate - incase of guardians investment on behalf of minor : Min Rs. 6,000/- Max. Rs.4,50000/- in Single A/c or Rs. 9 Lacs in joint A/c. : 8% p.a. payable monthly plus 5% Bonus on Maturity. : 8.83pa. : Allowed after 1 year, as applicable For ECS to be done :- 1) Enclose ECS Form duly attested by the designated Bank. 2) Cancelled / Xerox Copy of Cheque Required. 3) If it is in Joint Name all the Signature are required. 4) After issue of pass book from post office then ECS mandate can be made. Note : ANY INVESTMENT UNDER ANY POST OFFICE SAVINGS SCHEME PAN CARD XEROX COPY REQUIRED ABOVE 50,000/- INVESTMENTS. Office No. 2, 1st Floor, R.N.A. Shopping Arcade, Lokhandwala Complex, Andheri (W), Mumbai AMFI Certified Financial Advisor & IRDA Certified Insurance Consultant GAGAN GUPTA Portfolio Designer for Insurance & Investments / / Fax : Website : www. guptainvestments.com gagan@guptainvestment.com QUALITY INVESTMENT UNDER ONE ROOF View Your Mutual Fund Portfolio Online

2 September GUPTA PUBLICATION Page : 2 Sr. No. 1 Fixed Deposit Scheme The Interest Rate Structure for Fixed Deposit Scheme are as under Company & Rating Duration (Months) Minimum amount of Deposit TATA Motors (only for shareholder) 2 Godrej Industries Limited 13 Months (& in multiples of Rs thereafter) Rs.1 lac & above Monthly (& in multiples of Rs thereafter) Cumulative Interest (%p.a.) Q/C Q/C Q/C Cum H.Y. H.Y. Senior Citizens Interest (%p.a.) 3 Mahindra Finance Ltd (& in multiples of Rs thereafter) C/H.Y. C/H.Y. Senior Citizen & Share holder 0.25% 4 Mahindra and Mahindra Ltd multiples of Rs thereafter Ann Ann 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. HDFC Premium Deposits. Let Your Money Grow Safely and Securely Looking for Assured Returns Safely? Invest in Rate Effective from 12th August, 2009 HDFC DEPOSITS WITH YOU RIGHT THROUGH FAAA and MAAA rating for the Fourteenth Consecutive year by CRISIL and ICRA Periods 15 Months 6.70% 6.75% 6.85% % 30 Months 45 Months Monthly Quarterly Half-Yearly Annual Cumulative 7.45% 7.50% 7.60% 7.75% 7.75% 7.45% 7.50% 7.60% 7.75% 7.75% 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. 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 the rate payable on the date of deposits. Kisan Vikas Patra Interest rate (%) b 8.41 Term (yrs) 8Yrs, 7mnths Max. Investment (Rs) No Limit Exemption on Investments None Taxability on interest Fully Taxable Where to buy? Post Office Feature Money doubles in 8 yrs, 7 mnths Post Office Schemes National Savings Certificate Interest rate (%) c 8.00 Term (yrs) 6 Max. Investment (Rs) No Limit Exemption on Investments Sec 80C Taxability on interest Fully Taxable Where to buy? Post Office Feature : Interest earned in first 5 yrs gets Sec 80C break Post Office Time Deposit Interest rate (%) Term (yrs) 1,2,3,5 Max. Investment (Rs) No Limit Exemption on Investments None Taxability on interest Fully Taxable Where to buy? Post Office Feature Sec 80C benefit on 5-year deposits Safe Money Sound Returns a Compounded quarterly b A c c u m l a t e d i n t e r e s t compounded yearly paid on maturity along with the principal ccompounded half yearly Visit us at : a Invest Today in Solid, Safe & Secure SMALL SAVINGS MAHASURAKSHA

3 September GUPTA PUBLICATION Page : 4 LIC of India Jeevan Saral Term Age Sum Minimum ,000 Maximum Premium Ceasing Age : 70 Premium Ceasing Term : 0 Plan Highlights LIC's Jeevan Saral is a unique plan having good features of the conventional plans and the flexibility of unit linked plans. To the policyholder it provides - Higher Cover, Smooth returns, Liquidity and a lot of flexibility BENEFITS On Death : 250 times the monthly premium, plus return of premiums excluding extra/rider premium and first year premium, plus the loyalty addition, if any. On Maturity: Maturity sum assured, plus The Loyalty Additions, if any SPECIAL FEATURES High risk cover at low premium Extended risk cover for one year after 3 years premium payment. Optional higher cover through Term Riders The policyholder can choose a maximum term but can surrender at any time without any surrender penalty or loss after 5 years Any number of withdrawals through partial surrendering OTHER ELIGIBILITY CONDITIONS Premium : Minimum premium of Rs.250/- per month for entry age upto 49 years. and Rs.400/- per month for entry age 50 years and above. No Limit for the maximum premium per month. Mode : Yearly, Half-yearly, Quarterly and Monthly under Salary Saving Scheme In case of term rider, minimum and maximum age at entry will be 18 and 50 years respectively. Further minimum sum assured will be Rs.1 lakh. Jeevan Saathi Plus A unique Joint Life Unit Linked plan for married couple. Custom Individual Risk Cover : Option to choose separate amount of risk cover for your self & your spouse. Combined Risk Cover up to 30 times of the annualised premium can be opted. Premium payment modes: Single, Yearly, Half-yearly, Quarterly or Monthly (ECS). Top-up premium option available. Choose your investment risk by investing in any of the 4 funds - BOND, SECURED, BALANCED or GROWTH. 4 FREE fund switches in a year & there after with nominal charges. Liquidity: Partial Withdrawal option available. Premium Waiver Benefit: In event of Proposer's (PLA) death, future premiums are waived & an amount equal to all future premiums is added to fund. Auto Cover option available after 3 years. Settlement option: Maturity benefit can taken in lumpsum or in installments (Half-yearly or Yearly). Tax benefit under section 80CCE. Jeevan Anand Features : Jeevan Anand is a With Profit assurance plan. The plan is a combination of the Whole Life Plan and the most popular Endowment Assurance Plan. It provides pre-decided Sum Assured and bonuses at the end of the stipulated premium paying term, but the risk cover on the life continues till death. Special Features Moderate Premiums High bonus High liquidity Savings oriented. Benefits Term Age Sum Minimum ,00,000 Maximum No Limit Premium Ceasing Age : 75 Premium Ceasing Term : 0 Plan Highlights Premiums are usually payable for the selected term of years or until death if it occurs during the term period. This policy not only makes provisions for the family of the life assured in the event of his early death but also assures a lump sum at a desired age. The lump sum can be reinvested to provide an annuity during the remainder of his life or in any other way considered suitable at that time. Survival Benefits : Sum Assured along with all vested bonuses payable at the end of the premium paying term (Endowment term). Accident Benefit : The Double Accident benefit is available during the premium paying term and thereafter up to age 70. The premium for this has been built into the tabular premium rates. Maximum accident cover available under this plan will be Rs. 5 lakh ( this limit excludes accident benefit taken under other plans). Bonus : If it is a 'with profits' policy note that every year the LIC distributes its surplus among policyholder to 'with profits' polices in the form of bonuses. Substantial bonuses have been declared in the past after each valuation of policy liabilities. Death Benefits : Sum Assured along with vested bonuses are payable on death during the premium paying term and when policy ceases. An amount equal to the Sum Assured is payable if death occurs after the premium paying term Simple Reversionary Bonus accrues during the premium paying term and is payable at the end of the premium paying term or on earlier death along with final additional bonus, if any. No Bonus is paid on death after the premium paying term. Suitable for Being an endowment assurance + whole life policy, this plan is opt for people of all ages and social groups who wish to protect their femilies from a financial set back that may occur owing to their demise. The amount assured if not paid by reason of his death earlier will payable at the end of the endowment term where it can be invested in an annuity provision for the rest of the policyholder s life or in any other way he may think most suitable at that time. Jindgi Ke Saath Bhi... Aur Jindgi Ke Baad Bhi For further detail contact : Pravin Jadhav (Business Executive) insurance@guptainvestments.com Insurance is a Subject matter of Solicitation Visit us at :

4 September GUPTA PUBLICATION Page : 3 ICICI Home Finance 0.35% p.a. More for Senior Citizens MAAA Highest credit quality rating by ICRA AAA CARE AAA (FD) (SO) BY CARE Period (Months) Deposit Amount in Rs. Annual / Cumulative Income Plan Quarterly Income Plan Monthly Income Plan 15 < = Rs.1 cr 7.75% 7.55% 7.50% 30 < = Rs.1 cr 8.50% 8.25% 8.20% 45 < = Rs.1 cr 8.25% 8.00% 7.95% Critical Care Plan DID YOU KNOW? One in every 15 Indian men could develop Cancer in their lifetime! Four Indians die of Heart Attack. Every minute! 90% of Indians who suffer from Kidney Disease are not able to afford the cost of treatment! HDFC Critical care plan is a unique health plan which helps you and your family to remain financially independent, in case of any critical emergencies. Stress. Unhealthy eating habits. Hectic and sedentary lifestyle. Pollution the modern lifestyle can take its toll on your health. Since you have always ensured that you and your family live a respectable life. Don't let any critical illness shatter your best-laid plans. Source: National Cancer Registry programme , Health Tribune 3 Tax Savings Under Section 80D Cover against 30 critical illnesses Lump sum benefit payment Cover continues* 0 Critical Illnesses Co ve r 0.35% additional for senior citizen across slabs HDFC STANDARD LIFE I N S U R A N C E Sar Utha Ke Jiyo For Further Contact : Pravin Jadhav (Business Executive) insurance@guptainvestments.com HDFC Term Assurance Plan Term Assurance Plan with Lowest Premium (A pure risk cover plan, which gives you protection against the uncertainties of Life.) Secure your Family s Financial Independence and self respect Our Protection Plans give you :- 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. Go ahead; ensure a life of dignity and respect for those who matter most to you HDFC STANDARD LIFE I N S U R A N C E Sar Utha Ke Jiyo For Further Contact : Pravin Jadhav (Business Executive) insurance@guptainvestments.com Visit us at :

5 September GUPTA PUBLICATION Page : 5 Mutual Fund Update MIP Fund Scheme Name NAV ( ) Since 6 Month Rank 1 Year Rank 2 Year Rank 3 Year Rank 5 year Rank Rank Inception Birla Sun Life MIP - Savings 5 - Growth Birla Sun Life Monthly Income Plan - Growth FT India MIP - Plan A - Growth HDFC MIP - LTP - Growth Reliance MIP - Growth Average Minimum Maximum Indices Crisil MIP Blended Index ( ) Scheme Name NAV ( ) L i q u i d P l u s Since 1 Month Rank 2 Month Rank 3 Month Rank 6 Month Rank 1 year Rank Rank Inception ICICI Prudential Flexible Income Plan - Premium - Growth LIC MF Income Plus Fund - Growth Reliance Money Manager Fund - Retail - Growth Tata Floater Fund - Growth Templeton India Ultra Short Bond Fund - Retail - Growth Average Minimum Maximum Indices Crisil Liquid Fund Index ( ) No TDS Capital Gain Tax Exemption Bonds - U/S 54EC National Highway Authority of India (Series-X) Source: Disclaimer: 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 View Your Mutual Fund Portfolio Online

6 September GUPTA PUBLICATION Page : 6 Public Provident Fund (PPF) You can open your PPF A/c. through us. Invest Rs. 70,000/- per year & get Rs. 20,52,700/- at the end of Maturity. Tax Free PPF Calculation after 15 years. Rs. 70,000/- (per-year) Years 4 Years 5 Years 6 Years 7 Years 8 Years 2,45,428/- 6,74,564/- Amount 75,600/- 3,40,662/- 5,54,596/- 1,57,248/- 4,43,515/- 8,04,129/- Years 9 Years 10 Years Years 15 Years Amount 9,44,059/- 10,95,184/- 12,58,399/- 14,34,670/- 16,25,044/- 18,30,648/- 20,52,700/- Dear Investor Steps to Login to Mutual Fund On-Line Portfolio. 1. Log on to Tax Savings Ke Saath Smart Savings Bhi! NO COURT ATTACHMENT Note : Interest Rate Subject to Change. Note :- PPF deposits will be accepted only if the A/c is opened through our Agency. PPF Never too Late to Start Savings Dimpi Printers, Azad Road, Gundavali, Behind Ganesh-Motor Training School, Andheri (E), Mumbai & Published at Office no 2, 1st Floor, R. N. A. Arcade, Lokhandwala Complex, Andheri (W) Mumbai Click on the tab For Mutual fund Portfolio Tracker 3. Type your user ID as above in the field provided for the same. 4. Type your Password as above in field provided for the same. Please note that the password is alpha-numeric and a combination of lower and upper case. 5. You can change your password at any time. In case if you haven t received such user Name & Password do write to us with your ID immediately. We will do the needful, at our end. Please do visit our website to know us more. We value your suggestion and feedback. Quality Investment under one roof Your Personal Investments & Insurance Advisor / Office No. 2, R.N.A Shopping Arcade, Fax : (D) st Floor, Lokhandwala Complex, gagan@guptainvestments.com (M) Andheri (W), Mumbai Website :