PROFILE. YOUR NAME INVESTMENT ADVISOR Mob.: PRODUCTS SERVICES

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2 PROFILE B.E (E & TC) Certified Financial Planner CM - CFP CM Sebi Certified Investment Advisor Level 1& Level 2 AMFI - Certified Mutual Fund Advisor IRDA - Certified Insurance Advisor (Life & General) PRODUCTS Insurance (Life, Health, General) Mutual Funds Post Office (Small Savings) Direct Equity FD, Bonds, PMS Services All types of Loans Real Estate Advisory Services SERVICES Insurance Planning Retirement Planning Investment Planning Tax Planning Estate Planning Financial Planning

3 PROFILE ABOUT US We as COMPANY NAME, incorporated in the year 0000 have Induvidual and Corporate Clients. We help clients to achieve their Financial Needs with effective and Investment planning. We are Certified Financial Planner by qualification and advising in various financial product. We offer comprehensive financial advisory services. The vision is to advise in businesses driven by customer satisfaction, commitment to excellence and passion for continued value creation for all stakeholders. This vision has helped us grow and build the trust of our customers and associates which is at the cornerstone of everything we do. Trust is also at the heart of our success and the driver for passion for our success. We are certified Mutual Fund and Insurance consultants recognized by the AMFI (Association of Mutual Fund of India) and IRDA (Insurance Regulatory and Development Authority). We offer comprehensive financial advisory services, having highly qualified and experienced team of financial advisors. Over the years, We have diversified into other businesses and today has the presence in businesses ranging from financial products, Equtiy, Mutual Fund, Insurance, Fixed Deposit, Bonds, PMS. Our rich experience in Financial services, combined with executional capabilities and strong process & system orientation, has enabled us to shape a rising growth trajectory in our businesses. Company Name

4 LUXURIOUS CAR BIG HOUSE EARLY RETIREMENT QUALITY LIFE FOR YOUR CHILDREN FREEDOM FROM EMI We all need financial freedom for our better future. So how to become financially secured and achieve freedom? Does it require only investing money or even more? Let s check out best ways to achieve financial freedom...

5 AVOID CHANGING PORTFOLIO Always pay attention to correct asset allocation. For every financial goal, strategy should be different and always make a habit of periodically reviewing your portfolio. WORRY FREE RETIREMENT Always keep funds for retirement separate and start investment from young age itself. Invest in equity mutual funds via SIP. Also purchase sufficient health and life insurance at a young age. Your portfolio should include more of equity than debt. BUDGET PLANNING It is important to prepare household budget and avoid unwanted expenses. SAVE MONEY FOR CHILDREN S FUTURE Re-plan your investments once children are born. Regularly keep some funds separate for your kids. While saving for their education, marriage etc. always keep inflation in mind. Make sure not to use money kept aside for your children. TAX PLANNING For tax saving, never wait for the financial year to end instead you should plan it at the beginning of the financial year. Include tax planning in your investment plan and keep monitoring the same frequently. EMERGENCY FUND Uncertainty looms over everyone be it salaried people, businessman or others. Emergency fund should be kept for medical expenses or any unwanted expenses etc. Not considering for such unforeseen expenses can kill your monthly budget. LOAN PAYMENT LOAN PAYMENT Give primary importance on paying for the car, home, personal & other loans. Keep aside emergency fund and plan your savings in such a way that you have sufficient funds that will last for some months. EARLY RETIREMENT If you are planning to retire before time then start saving from today itself. Start investments in equity mutual funds at a young age to beat inflation. Disclaimer : The above figures/projections are for illustrative purpose only. The situations/results may or may not materialise in future. For Tax provisions mentioned, please consult your Tax Advisor for details. Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the Offer Document carefully before investing in any scheme.

6 INFLATION THE BIGGEST HURDLE IN ACHIEVING FINANCIAL GOAL IF YOU WERE HAVING R1,00,000/- IN 1990, TODAY ITS VALUE AS PER 7% INFLATION RATE IS R16,300/ R 1,00,000/ R 69,570/ R 33,670/ R 16,300/- 2025? BEAT INFLATION & ACHIEVE YOUR FINANCIAL GOALS WITH...

7 LUMPSUMINVESTMENT 15 YEARS PERFORMANCE IN EQUITY MUTUAL FUNDS IF YOU HAD INVESTED R1,00,000/- IN EQUITY MUTUAL FUNDS IN 1999, TODAY ITS VALUE IS 19% CAGR 2000 R 1,00,000/ R 1.86 lacs 2007 R 5.19 lacs 2010 R 7.32 lacs 2015 R lacs (Total number of schemes covered : 30, Returns as on 30th Apr, 2015) *15 Year Period From 30/04/2000 to 30/04/2015.

8 FD R23 lacs 2.3 TIMES returns in 12 YRS EQUITY R1.6 Cr. 16 TIMES returns in 12 YRS from 72 Equity Mutual Funds GOLD R43 lacs 4.3 TIMES returns in 12 YRS PERFORMANCE OF DIFFERENT ASSET CLASSES crores lacs 43 lacs Bank FD Gold Avg of Equity MF Current Value of Rs. 10 Lac. Period from 31/03/2003 to 31/03/2015. Average return of 72 Equity MF available in March 2003 considered

9 INVESTMENT PLAN IN EQUITY MUTUAL FUNDS LUMPSUM INVESTED INVESTED R CURRENT VALUE R THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN THE WAITING. 50% Funds Investment has multiplied by more than 10 times. Scheme Name Return CAGR (%) Value (R) Scheme Name Return CAGR (%) Value (R) Birla Sun Life Advantage Fund Gr ,059 Principal Personal Tax Saver ,317 Birla Sun Life Equity Fund - Gr ,751 Principal Tax Savings Fund ,896 Birla Sun Life MNC Fund Gr ,623,601 Reliance Growth Fund Gr ,033,294 Birla Sun Life Tax Plan - Div ,666 Reliance Vision Fund Gr ,872,390 Birla Sun Life Tax Relief 96 Fund - Div ,896 SBI Contra Fund - Regular Div ,258,764 DSP BlackRock Equity Fund - Reg. Plan - Div ,045,794 SBI Magnum Equity Fund - Div ,295 Franklin India Bluechip Fund Gr ,292,023 SBI Magnum Global Fund - Div ,037,775 Franklin India Prima Fund Gr ,135,414 SBI Magnum Multiplier Plus 93 - Div ,206 Franklin India Prima Plus Div ,377,918 SBI Magnum Tax Gain Fund - Div ,591 Franklin India Taxshield Gr ,367,543 Sundaram Growth Fund Gr ,583 HDFC Capital Builder-Gr ,525,367 HDFC Equity Fund - Div ,877,016 Sundaram Tax Saver - Div ,052,522 HDFC Large Cap Fund - Gr ,312 Tata Ethical Fund - Gr ,093 HDFC Taxsaver - Div ,907,345 Tata Pure Equity Fund - Gr ,693 HDFC Top 200 Fund - Div ,538,777 Tata Tax Saving Fund Plan A - Div ,131 ICICI Prudential Tax Plan - Regular Gr ,259,724 Templeton India Growth Fund Gr ,191,301 ICICI Prudential Top 100 Fund - Gr ,703 UTI Equity Fund - Div ,097 Kotak 50 Equity Scheme Div ,194 Average ,129,296 *Returns as on 31st March For Schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Funds are arranged in alphabetical order. Source: Internal

10 AN EVERGREEN INVESTMENT MANTRA Sensex January 2008 Sensex 9000 February 2009 Sensex January 2012 Sensex March 2015 SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUND * % SIP From Jan-2008 To June-2014 Monthly SIP Amount Total Amount Invested Current Value 5,000 4,35,000 10,000 8,70,000 11,21,450 22,49,900 *Average SIP Return of Top 50 MF Equity Schemes as on 31st March,2015 Anyone who is not investing now is missing a tremendous opportunity. - Carlos Slim

11 THE BIG MONEY IS NOT IN THE BUYING AND SELLING BUT IN THE WAITING. 22 Funds Have made their SIP investors Crorepati (for a monthly SIP of R10,000 for 15 years) IN SIP R10,000/- PER MONTH INVESTED R Scheme Name Return CAGR (%) Value (R) Birla Sun Life Advantage Fund Gr Birla Sun Life Equity Fund - Gr Birla Sun Life MNC Fund Gr Birla Sun Life Tax Plan - Div Birla Sun Life Tax Relief 96 Fund - Div ,371,117 11,753,304 15,070,436 11,026,730 9,529,319 DSP BlackRock Equity Fund - Reg. Plan - Div Franklin India Bluechip Fund Gr Franklin India Prima Fund Gr Franklin India Prima Plus Div Franklin India Taxshield Gr HDFC Capital Builder-Gr HDFC Equity Fund - Div HDFC Large Cap Fund - Gr HDFC Taxsaver - Div HDFC Top 200 Fund - Div ICICI Prudential Tax Plan - Regular Gr ICICI Prudential Top 100 Fund - Gr Kotak 50 Equity Scheme Div ,752,849 10,728,124 16,841,105 13,166,996 11,931,835 12,080,923 14,300,758 5,881,594 13,438,670 13,438,670 13,850,661 9,021,944 9,811,213 SYSTEMATIC INVESTMENT PLAN EQUITY MUTUAL FUNDS CURRENT VALUE R Scheme Name Return CAGR (%) Value (R) Principal Personal Tax Saver Principal Tax Savings Fund Reliance Growth Fund Gr Reliance Vision Fund Gr SBI Contra Fund - Regular Div SBI Magnum Equity Fund - Div SBI Magnum Global Fund - Div ,626,838 8,527,271 18,065,914 13,630,987 13,655,221 8,686,430 16,310,814 SBI Magnum Multiplier Plus 93 - Div SBI Magnum Tax Gain Fund - Div Sundaram Growth Fund Gr Sundaram Tax Saver - Div Tata Ethical Fund - Gr Tata Pure Equity Fund - Gr Tata Tax Saving Fund Plan A - Div Templeton India Growth Fund Gr UTI Equity Fund - Div Average ,900,131 13,426,742 7,357,669 10,101,647 11,333,796 10,549,190 9,707,731 9,898,310 8,990,179 11,551,915 *Returns as on 31st March For Schemes with dividend option, dividend reinvestment has been considered on the date of dividend. Investment assumed to be done on 10th of every month. Funds are arranged in alphabetical order. Source: Internal

12 FOR OUR HIGHER EDUCATION

13 AN APPROPRIATE INVESTMENT PLAN FOR THE CHILDREN S HIGHER EDUCATION 169% has been the rise in inflation in primary and secondary education from 2005 to 2011, according to a survey by Assocham. Source: 65% of parents spend more than half of their take-home pay on their children's education and extra co-curricular activities placing significant burden on their family budget. The survey* highlights that the rising cost of education, has become a major cause of worry for parents. Majority of parents spend on average more than 18-20LACS in raising a child by the time their teen graduates from high school. *Source: es-parents-survey-shows/articleshow/ cms 15yrs Return R16.99 lacs 8% CAGR SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS R23.80 lacs 12% CAGR R30.82 lacs 15% CAGR Investment amount R9 lacs R5,000/- p.m. 20yrs Return R28.63 lacs 8% CAGR R45.99 lacs 12% CAGR R66.35 lacs 15% 15% CAGR Investment amount R12 lacs R5,000/- p.m.

14 6SUPER REASONS FOR INVESTING IN EQUITY MUTUAL FUNDS WITH SIP SYSTEMATIC INVESTMENT PLAN LONG TERM WEALTH CREATION TAX SAVING u/s 80C WITH ELSS POWER OF COMPOUNDING TAX FREE DIVIDEND TAX FREE LONG TERM CAPITAL GAINS ACHIEVE FINANCIAL GOAL

15 SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS SIP helps you set aside a fixed amount every month for investments, thus contributing towards your financial goal in life. RIGHT ASSET CLASS EQUITY MARKET HAS OUTPERFORMED ALL OTHER INVESTMENT AVENUES Actual Gain Real Gain Growth in Different Asset Classes from March 1981 to March 2015 Source: Gold-Handbook of Statistics on Indian Economy, RBI. Silver - Handbook of Statistics on Indian Economy, RBI. Sensex - Slide of PPT of HDFC MF. Co Deposits - assumed (1% higher than Bank FD Rate). Bank Deposits - Handbook of Statistics on Indian Economy, RBI. Inflation(WPI) - Handbook of Statistics on Indian Economy, RBI MR GUPTA GET ADVANTAGE OF POWER OF COMPOUNDING SAVING STARTING AGE 15.9 INFLATION GOLD SILVER BANK DEPOSITS CO. DEPOSITS SENSEX YEARS 8,410 Growth of Rs. 1,000 in Different Asset Classes 15,946 15, CRORES 45 YEARS MR SAXENA 22,183 16,404 1,28,416 INFLATION GOLD SILVER CO. DEPOSITS BANK DEPOSITS SENSEX START SAVING FOR YOUR FUTURE WITH MUTUAL FUND SIP TODAY MONTHLY SAVINGS R 5,000/- SAVING TILL AGE 60YRS TOTAL AMOUNT SAVED WEALTH AT AGE 60 YRS 35 YEARS R 21 LACS R 5.70 CRORES 25 YEARS 45 YEARS 60 YEARS R 15,000/- 15 YEARS R 27 LACS R CRORES

16 ASSUMPTIONS Mr. Girish Current Age 25 Monthly Income R 25,000/- Monthly House Hold Expenses R20,000/- Income Growth 10% Inflation Rate 7% Rate of Return 15% Saving for Retirement 7% (Of Monthly Income) ASSUMPTIONS Mr. Girish Retirement Age 61 Life Expectancy 85 Monthly Income NIL Monthly House Hold Expenses R 2,13,531/- Inflation Rate 7% Post Retirement Rate of Return 9% Post Retirement Retirement Kitty R 5,08,03,512/- BE READY FOR RETIREMENT... LET S DETERMINE HOW YOU CAN REACH YOUR DESIRED RETIREMENT KITTY COMFORTABLY... You will discover that retirement is the doorway to a new stage of your life, one where you control your time and your activities. Want to go to an afternoon movie in the middle of the week? You can do it! Want to spend a couple of days watching cricket tournament? You've got the time! Want to learn to play the piano or travel abroad... GO RIGHT AHEAD. SIMPLE, SMART & TIME TESTED FORMULA TO ACHIEVE GOALS START EARLY + INVEST IN RIGHT ASSET CLASS + SAVE REGULARLY = PEACEFUL RETIREMENT LIFE

17 AGE 25 Mr. Girish KEEP YOUR RETIREMENT KITTY ON TRACK... AGE 35 Mr. Girish AGE 40 Mr. Girish AGE 50 Mr. Girish AGE 60 Mr. Girish MONTHLY INCOME R 25,000/- MONTHLY INVESTMENT R 1,750/- MONTHLY INCOME R 64,844/- MONTHLY INVESTMENT R 4,539/- MONTHLY INCOME R 1,04,431/- MONTHLY INVESTMENT R 7,310/- MONTHLY INCOME R 2,70,868/- MONTHLY INVESTMENT R 18,961/- MONTHLY INCOME R 7,02,561/- MONTHLY INVESTMENT R 49,179/- TOTAL SAVINGS YEAR-END BALANCE R 24,150/- TOTAL SAVINGS YEAR-END BALANCE R 8,69,050/- TOTAL SAVINGS YEAR-END BALANCE R 23,00,359/- TOTAL SAVINGS YEAR-END BALANCE R 1,25,28,353/- TOTAL SAVINGS YEAR-END BALANCE R 5,90,41,520/- (WITH RETURNS) RETIREMENT KITTY (WITH RETURNS) RETIREMENT KITTY (WITH RETURNS) RETIREMENT KITTY (WITH RETURNS) RETIREMENT KITTY (WITH RETURNS) RETIREMENT KITTY

18 LAY A GOLDEN EGG EVERY YEAR WITH ELSS EQUITY LINKED SAVING SCHEME IN MUTUAL FUNDS R46,350/- SAVE UPTO EVERY YEAR *For F.Y & a resident individual falling under the highest tax bracket.

19 TAX exemption limit u/s 80C of R1,50,000/- the IT Act increased from SMART WAY TO SAVE TAX & CREATE WEALTH R 1 LACS INVESTED EVERY YEAR MARCH MARCH 2014 SAVE TAX WITH ELSS EQUITY RETURNS + TAX SAVING u/s 80C Total Investment of R15 lacs Worth Today Tax Benefit u/s 80C on investments upto s 1.5 lac per annum Tax Free Dividends R - LACS At 21.60% return as on 31st Dec *Average of 8 ELSS funds Effective way of saving taxes Through (ELSS) YOUR EARNING TAX WITHOUT ELSS TAX WITH ELSS YOU SAVE 5,00,000 25,750 10,300 15,450 7,50,000 77,250 46,350 30,900 10,00,000 1,28,750 97,850 30,900 12,50,000 2,06,000 1,59,650 46,350 *Amount in s - Based on Tax Slab for FY Assuming an investment of s 1,50,000 in ELSS in this Financial Year *Please see the income tax rules for details. LEAST LOCK-IN PERIOD OF 3 YEARS TAX FREE LONG-TERM CAPITAL GAINS TAX FREE DIVIDENDS

20 SIP SYSTEMATIC INVESTMENT PLAN IN EQUITY MUTUAL FUNDS WE WE START SIP to achieve our goals & dreams in life... CONTINUE SIP With believe of getting good returns and achieving our goals and dreams... WE STOP SIP Due to our sentiments and unforced advices without realising its effect on our goals and dreams. Lets see the impact of STOPPING the SIP... You have lost... R8,84,900/- Let s see how? SIP OF R10,000/- STARTED IN SEPT SIP STOPPED IN AUGUST 2013 SIP TENURE 60 MONTHS AVG SIP RETURN* 6.25% AMOUNT INVESTED 6,00,000/- RETURN VALUE 7,02,600/- SIP STILL CONTINUE TILL APRIL SIP TENURE 80 MONTHS AVG SIP RETURN* 20.27% AMOUNT INVESTED 8,00,000/- RETURN VALUE 15,87,500/- A successful investor has a good knowledge base, a well-defined investment plan, and nerves of steel to stick with it. - Andrew Clarke * Avg SIP Return of 110 equity funds

21 Zamana Badal Raha Hai... aur saving ka tarika bhi... Invest in LIQUID FUNDS EASY TO INVEST - EASY TO WITHDRAW Get Safety, Liquidity & Better Returns... Why Liquid funds? The money lying idle in your Savings & Current account should be invested in liquid funds. Not only do you get additional returns* on your money, but it is also extremely easy to transact, invest & redeem your money from the same. Mutual fund investments are subject to market risks. Read all scheme related documents carefully. Key Features: Money can be invested even for 1 day Better returns than your Savings/Current account No entry or exit loads/charges High liquidity

22 Zamana Badal Raha Hai! aur investment ka tarika bhi PRESENTING TADA NJ TRADING & DEMAT ACCOUNT EASY - ACCURATE - CONVENIENT A COMPREHENSIVE PLATFORM SMARTLY DESIGNED TO BRING EASE AND CONVENIENCE IN MANAGING YOUR INVESTMENTS.

23 TADA NJ TRADING & DEMAT ACCOUNT EASY - ACCURATE - CONVENIENT MUTUAL FUNDS Purchase Systematic Investment Plan (SIP) ONE TIME DOCUMENTATION New KYC & bank proof required* No other documents needed A comprehensive platform especially designed keeping in mind the simplicity, accuracy & convenience of the client. NJ Trading Account & Demat Account (TADA) service, helps avoid the hassles & worries of doing physical transactions. NJ TADA offers convenience in doing transactions in simple, accurate, time and cost effective manner in multiple modes. It is a revolutionary platform, which will empower you with great flexibility of transactions irrespective of product category, transaction modes and payment option. NJ TRADING & DEMAT ACCOUNT TRANSACTION FACILITIES Inter AMC Switch Inter AMC STP Redemption SINGLE WINDOW - MULTIPLE PRODUCTS Mutual Funds Equity Shares Exchange Traded Funds CAPITAL MARKET Buy Sell NJ TRADING & DEMAT ACCOUNT FEATURES INNOVATIVE TRANSACTIONS. Inter AMC Switch/STP SIP In Exchange Traded Funds NO GEOGRAPHICAL BARRIER Transaction can be done from anywhere EXCHANGE TRADED FUND Buy Systematic Sell Investment Plan (SIP) COMPREHENSIVE REPORTS Transaction report Profit & Loss report Valuation report CONVENIENT & SECURED PAYMENT OPTIONS Debit Card Net Banking Auto Debit/ECS Cheques EASY & MULTIPLE MODES OF TRANSACTIONS Online Mobile HIGH ACCURACY & SPEED System driven transaction process Offline*** On Phone*** (Call) OPERATIONAL EASE Single payment against multiple transactions Single contact point for all information and updates TAX BENEFIT U/S 80CCG Additional tax benefit with RGESS All eligible securities available** CENTRALISED CUSTOMER CARE All query solutions at single point Call AUTO TRANSACTION ALERTS SMS/ alerts for transaction done * As per the KYC guidelines issued by SEBI from time to time. **As per the guidelines of finance ministry from time to time. ***Terms and conditions applicable.

24 PRESENTING PRESENTING Go Mobile... Do Mutual Fund Transaction like Purchase, Redeem, Switch from your Mobile... Purchase Redeem Go Mobile... Mr. Baldev Sinha (Businessman - Mumbai) On the way to his office Mr. Baldev decided to invest an additional amount of C2,00,000 in an existing Mutual Fund scheme in his portfolio. It took him hardly 5 minutes on NJ Trading Account (Mobile App.) to make the transaction & he received an instant confirmation too. With NJ M-TAP, now doing a transaction is just a matter of clicks on your mobile screen. Switch AN EXCLUSIVE MOBILE APPLICATION TO TRANSACT IN MUTUAL FUND WITH NJ TRADING ACCOUNT NJ Trading Account is now available as Mobile Application, offering you the freedom to make Mutual Fund transactions - any time, anywhere. Now making a transaction is a matter of seconds with the application's simple & easy interface. Download your mobile application today!! Mr. Rahul Goel ( Manager - Gurgaon) Mr. Rahul is on the way to Jaipur for a tour and on break of his journey, he decided to invest in a New Mutual Fund Scheme whose return is good. He found it so easy to do it with NJ Trading Account (Mobile Application) that in few minutes he made the Purchase & he received a confirmation too, instantly. With NJ M-TAP, now doing a transaction is just a matter of clicks on your mobile screen. Click on Purchase STEP - 1 STEP - 2 Fill Details PURCHASE STEP - 3 Give Confirmation STEP - 4 Confirmation Message IT S DONE... Download Mobile Application APPLE (App Store) BLACKBERRY (App World) ANROID (Play Store) or Visit from your mobile browser and download NJ Mobile Trading Account Platform for your respective mobile platform *Currently the New Purchase facility is available to customers registering their bank account and auto debit mandate of ICICI Bank, HDFC bank or AXIS Bank in the Trading and Demat Account.

25 Give WINGS to your Investments... MARS MUTUAL FUND AUTOMATED PORTFOLIO REBALANCING SYSTEM Disclaimer: Mutual Fund investments are subject to market risks. Investors are advised to read the offer documents/scheme related documents and other risk factors carefully before investing in any scheme. The past performance of a scheme is not indicative of its future performance. Investors are advised to take advice of experts before making any investment decisions. Every investor while investing wishes to maximise his returns while minimising his risk. MARS (Mutual Fund Automated Portfolio Rebalancing System) tries to overcome these issues for investors whereby they can manage their asset allocation and invest in better performing schemes by the click of a mouse and maximise their returns. As the process is system driven and operationally smooth, it also helps weed out behavioural biases. MARS gives a wide array of portfolios to choose from to the investor based on his risk appetite and periodically triggers portfolio rebalancing based on deviations from the asset allocation of the model portfolio resulting in superior returns to the investor over a period of time. PORTFOLIO PERFORMANCE EQUITY SCHEMES PERFORMANCE Birla Sun Life Top 100 Fund - Div BNP Paribas Midcap Fund - Gr Kotak Select Focus Fund - Gr L&T India Special Situations Fund - Gr Mirae Asset India Opportunities Fund - Div MARS Equity Portfolio (E100) CNX 500 Tata Floater Fund Plan A - Gr Kotak Equity Arbitrage Fund - Div TATA Short Term Bond Fund Plan A - Gr BNP Paribas Short Term Income Fund - Gr 1 Month DEBT SCHEMES* PERFORMANCE 1 Month Months Months Months Months Months Months Since Inception Since Inception Performance as on 31 Dec 14. Inception Date 16 Dec 13. Returns for one year or less period are on an absolute basis and for more than a year period is on CAGR basis Dividends are assumed to be reinvested. *As per features and not as per taxation.

26 READY RECKONER LUMPSUM INVESTMENT VALUE OF INVESTMENT DONE FOR 10 YEARS Investment 8% 12% 15% 20% 5,000 10,000 25,000 50,000 75, , , ,000 1,000,000 10,795 21,589 53, , , , ,785 1,079,462 2,158,925 15,529 31,058 77, , , , ,170 1,552,924 3,105,848 20,228 40, , , , , ,112 2,022,779 4,045,558 VALUE OF INVESTMENT DONE FOR 15 YEARS 20,228 40, , , , , ,112 2,022,779 4,045,558 Investment 8% 12% 15% 20% VALUE OF INVESTMENT DONE FOR 20 YEARS (CAGR) Investment 8% 12% 15% 20% 5,000 10,000 25,000 50,000 75, , , ,000 1,000,000 15,861 31,722 79, , , , ,434 1,586,085 3,172,169 27,368 54, , , , ,357 1,094,713 2,736,783 5,473,566 40,685 81, , , , ,706 1,627,412 4,068,531 8,137,062 77, , , ,351 1,155,527 1,540,702 3,081,404 7,703,511 15,407,022 5,000 10,000 25,000 50,000 75, , , ,000 1,000,000 34,242 68, , , , ,848 1,369,695 3,424,238 6,848,475 85, , , ,003 1,275,005 1,700,006 3,400,013 8,500,032 17,000, , , ,974 1,645,948 2,468,921 3,291,895 6,583,791 16,459,476 32,918, , ,962 2,384,905 4,769,811 7,154,716 9,539,622 19,079,243 47,698,108 95,396,217 Disclaimer: Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing into any scheme. All Values in R 5,000 10,000 25,000 50,000 75, , , ,000 1,000,000 23,305 46, , , , , ,191 2,330,479 4,660,957 48,231 96, , , , ,629 1,929,259 4,823,147 9,646,293 81, , , ,327 1,227,490 1,636,654 3,273,307 8,183,269 16,366,537 VALUE OF INVESTMENT DONE FOR 25 YEARS 191, , ,440 1,916,880 2,875,320 3,833,760 7,667,520 19,168,800 38,337,600 Investment 8% 12% 15% 20%

27 READY RECKONER SIP INVESTMENT VALUE OF INVESTMENT DONE FOR 10 YEARS VALUE OF INVESTMENT DONE FOR 15 YEARS VALUE OF INVESTMENT DONE FOR 25 YEARS Investment Total Investment** 8% 12% 15% 20% 500 1,000 2,000 5,000 10,000 20,000 25,000 50, ,000 90, , , ,000 1,800,000 3,600,000 4,500,000 9,000,000 18,000, , , ,556 1,698,890 3,397,780 6,795,560 8,494,450 16,988,900 33,977, , , ,864 2,379,660 4,759,320 9,518,640 11,898,300 23,796,600 47,593, , ,366 1,232,732 3,081,830 6,163,660 12,327,320 15,409,150 30,818,300 61,636, , ,460 1,910,920 4,777,300 9,554,600 19,109,200 23,886,500 47,773,000 95,546,000 VALUE OF INVESTMENT DONE FOR 20 YEARS Investment Total Investment** 8% 12% 15% 20% Investment Total Investment** 8% 12% 15% 20% 500 1,000 2,000 5,000 10,000 20,000 25,000 50, ,000 60, , , ,000 1,200,000 2,400,000 3,000,000 6,000,000 12,000,000 90, , , ,420 1,812,840 3,625,680 4,532,100 9,064,200 18,128, , , ,036 1,315,090 2,630,180 5,260,360 6,575,450 13,150,900 26,301, , , ,624 1,721,560 3,443,120 6,886,240 8,607,800 17,215,600 34,431, , , ,624 1,721,560 3,443,120 6,886,240 8,607,800 17,215,600 34,431, ,000 2,000 5,000 10,000 20,000 25,000 50, , , , ,000 1,200,000 2,400,000 4,800,000 6,000,000 12,000,000 24,000, , ,660 1,145,320 2,863,300 5,726,600 11,453,200 14,316,500 28,633,000 57,266, , ,858 1,839,716 4,599,290 9,198,580 18,397,160 22,996,450 45,992,900 91,985, ,537 1,327,074 2,654,148 6,635,370 13,270,740 26,541,480 33,176,850 66,353, ,707,400 1,238,097 2,476,194 4,952,388 12,380,970 24,761,940 49,523,880 61,904, ,809, ,619,400 Investment Total Investment** 8% 12% 15% 20% 500 1,000 2,000 5,000 10,000 20,000 25,000 50, , , , ,000 1,500,000 3,000,000 6,000,000 7,500,000 15,000,000 30,000, , ,840 1,829,680 4,574,200 9,148,400 18,296,800 22,871,000 45,742,000 91,484, ,103 1,702,206 3,404,412 8,511,030 17,022,060 34,044,120 42,555,150 85,110, ,220,600 1,378,280 2,756,560 5,513,120 13,782,800 27,565,600 55,131,200 68,914, ,828, ,656,000 3,130,133 6,260,266 12,520,532 31,301,330 62,602, ,205, ,506, ,013, ,026,600 Disclaimer: Investments in Mutual Funds are subject to market risks. Past performance may or may not be repeated in future. Please read the offer document carefully before investing into any scheme. All Values in R

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