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 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 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 Pages : 6 PUBLICATION Volume - X Issue - 2 QUALITY INVESTMENT UNDER ONE ROOF PRICE Rs. 1/- February So Let s hurry. Highest NAV Guarantee Fund is open till 28th Feb '11 only!!! ON THE CREST OF A WAVE Any uncertainty should not affect your plans. Be it of life, or of markets. You want to secure happiness for yourself and your loved ones. We present HDFC SL Crest insurance cum investment plan that provides valuable financial protection to your family when needed the most along with an investment option for certainty of highest NAV along with a guarantee on returns*. So that when you reap the returns of life, they are on crests not on lows. In this plan you can choose to invest in either of two investments options- Highest NAV Guarantee Fund or Free Asset Allocation Option. Advantages Is the Crest same as any other Highest NAV Guarantee Plan in the market? Answer is NO!!! Crest pioneers a unique combo of Highest daily NAV in first 7 yrs & Minimum Guaranteed NAV of Rs. 15 on MATURITY Choice of two Investment Options Highest NAV Guarantee Fund or Free Asset Allocation Option. Benefit of minimum guaranteed NAV of Rs. 15 at maturity *. On maturity you will receive the Fund value as per the investment option selected. This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the amount higher of your Sum Assured (less partial withdrawals) or your total fund value to your family. Please refer to product brochure for details. This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals. Kindly refer to the product brochure for details. Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961 Contents HDFC Life (Crest) 1 Fixed Maturity Plans / Systematic Investment Plan / Mutual Fund Update Public Provident Fund(PPF) / Fixed Deposit Scheme / HDFC Platinum Deposit LIC Jeevan Akshay VI (Annuity) / HDFC Critical Care Plan 4 HDFC Premium Deposits. / Post Office Schemes / Capital Gain Tax Exemption Bonds - U/S 54EC 9% Senior citizen / 8% Saving Bond / KYC 6 Pg Office No. 22, 1st Floor, R.N.A. Shopping Arcade, Lokhandwala Complex, Andheri (W), Mumbai AMFI Certified Financial Advisor & IRDA Certified Insurance Consultant Portfolio Designer for Insurance & Investments / / Fax : Website : www. guptainvestments.com gagan@guptainvestments.com QUALITY INVESTMENT UNDER ONE ROOF

2 February GUPTA PUBLICATION Page : 2 FMPs are back in fashion this Winter The hardening interest rate scenario and the possibility of a rate hike by RBI have increased the attractiveness of the product. Fixed Maturity Plans Fixed Maturity Plans are closed ended debt oriented mutual fund schemes with a defined 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. Systematic Investment Plan Taki apka har sapna poora ho Investing Systematically in Equity fund has been a proven method for creating wealth in Long term. 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. Scheme Name 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 NAV ( ) NAV ( ) Tax Saver Since 1 Year Rank 2 Year Rank 3 Year Rank 5 year Rank Rank Inception DSP BlackRock Tax Saver Fund - Growth (25-Jan-11) Fidelity Tax Advantage Fund - Growth (25-Jan-11) HDFC Taxsaver - Growth (25-Jan-11) Reliance Tax Saver (ELSS) Fund - Growth (25-Jan-11) Sundaram Taxsaver - (Open Ended Fund) - Growth (25-Jan-11) Average Minimum Maximum Indices BSE (25-Jan-11) CNX (25-Jan-11) BSE (25-Jan-11) MIP FUND Since 1 Year Rank 2 Year Rank 3 Year Rank 5 year Rank Rank Inception Birla Sun Life Monthly Income - Qtly Dividend HDFC MIP - LTP - Qtly Div HSBC MIP - Savings Plan - Quarterly Dividend Reliance MIP - Quarterly Dividend Average Minimum Maximum 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 For Further details Contact : Narendra (Business Executive) Mob.: To Serve you better please call us to collect & deposit on your behalf"

3 February GUPTA PUBLICATION Page : 3 Sr. No. Open your PPF A/c. through us. Public Provident Fund (PPF) Tips to make most of your PPF Learn to maximise the returns from your PPF investments by intelligent moves through the year individual Note : PPF deposits will be accepted only if the A/c is opened through our Agency PPF vs FDs If Rs. 70, 000 is invested every year in PPF and fixed deposits, the PPF account will be far bigger after 15 years Calculation assumes that the year end corpus of PPF and a fixed deposit is reinvested every year along with a fresh investment of Rs. 70,000. Fixed deposit earns 8% interest and its income is taxed at 30.9%. So, if you invest Rs. 70,000 a year in a PPF, your annual tax savings in the 30% bracket will be Rs. 21,630 In16 years, you have a tax free corpus of Rs lakh Withtax savings, the total gain in 16 years is Rs lakh Fixed Deposit Scheme The Interest Rate Structure for Fixed Deposit Scheme are as under Company & Rating Period Minimum & Multiple of Interest (%) Interest (%) Qtr. H.Y Ann/ Cum (Yield) 13 Months Rs. 10, Godrej Industries Limited 24 Months (& in multiples of Months Rs. 1,000 thereafter) Months Minimum Amount for Months Rs. 10,000 - Cum Mahindra Finance 24 Months Rs. 25,000 - H.Y CRISIL RATING FAAA 36 Months 48 Months 60 Months Rs. 50,000 - Qtr. (& in multiples of Rs thereafter) Godrej & Boyce 3 Years Rs. 40,000 - Mty Mfg. Co. Ltd. Rs. 15,000 - H.Y Mty in case of 40,000 (& in multiples of Rs thereafter) FIXED % (p.a) MATURITY VALUE 4 Shriram Unnati FOR RS. 25,000 Fixed Deposit 1 Years Years CRISIL RATING FAA+/ Stable 3 Years ICRA RATING MAA+/ Stable 4 Years Years Godrej Properties Ltd 1 Years Rs.10,000/ Years Years Jaiprakash Associates Ltd 1 Years Rs. 20,000/ (& in multiples of Rs thereafter) 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. Rs. 4,43,515 5 years Provident Fund Rs. 10,95, years Post-Tax FDs(1-year recurring deposit) Rs. 22,92, years % p.a. (33 months payable annually) D E P O S I T P L A N 22 months 8.75% 8.80% 8.90% 9.05% 33 months 8.95% 9.00% 9.10% 9.25% Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 View Mutual Fund Portfolio On-Line Rates Effective From 5th January, 2011 Additional Interest Rates (p.a.) Senior Citizen (60 Year and above) 0.25% Interest rates are subject to change and the rate applicable

4 February GUPTA PUBLICATION Page : 4 A Pension Policy is the Present Value of Tomorrow's Happiness Individual Pension Plans Available Jeevan Akshay - VI (p. 189) FEATURES LIC of INDIA Lic's Pension... For Secure and Dignified Future (Immediate Pension Plan ) Min age at entry (LBD) 40 years Max age at entry (LBD) 79 years Min Single premium Rs. 50,000/- Min Annuity installment Rs.500/- per month Mode of Premium payment Single Rs.1000/- per quarter Rs.2,000/-per half year Rs.3,000/-per year Mode of Annuity Payments Mly, Qly, Hly & yly Annuity Options (1) Annuity For Life : Under this option if the policy holder dies pension stops. (2) Annuity Guaranteed : For 5,10,15 or 20 Years & For Life Their After Under this option on death during guarantee period.. Pension will be paid to nominee till the end of guaranteed period. On death after Guaranteed period pension stops. (3) Annuity for Life with Return of Purchase Price on Death : On death pension stops and purchase price is returned to nominee. (4) Annuity for Life Increasing at a Simple Rate of 3 % P.A : Payment of pension at the increased rate by 3 % year after year. And stops on death. (5) Annuity for life with a provision for 50% of the annuity to the spouse of the annuitant for life on death of the annuitant. (6) Annuity for life with a provision for 100% of the annuity to the spouse of the annuitant for life on death of the annuitant. Higher purchase price for of more than 5,00,000 up to Rs.4.00 per thousand Why? LIC's Jeevan Akshay - VI Pension is Paid Directly to your Account on the Due Date. So no waiting for Cheque. On Death, the Entire Investment is Returned to the Nominee, on selecting option no.3 The Policy can not be surrendered - so guaranteed income for life. NO MEDICAL REQUIRED. Standard Age Proof Required. Why Pension... The Moment you are in Tension You will lose your Attention. You will feel Confusion. This may spoil your personal Relations. And get things into Complication.. And you have to take Medication. And if you are Thinking of Solution. It can only be LIC s Pension W e l c o m e F o r P e n s i o n W i t h o u t T e n s i o n Critical Care Plan Tax Savings Under Section 80D 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. Cover against 30 Critical illnesses Lump sum benefit payment Cover Continues* 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 Chandigarh and C ritical illnesses For Product Features Contact : Mr. Pravin Jadhav (Business Executive) insurance@guptainvestments.com Visit gagan@guptainvestments.com for Financial Advise / your Feed Back / Queries. c o ve r

5 February GUPTA PUBLICATION Page : 5 HDFC DEPOSITS WITH YOU RIGHT THROUGH Period (Months) HDFC Premium Deposits. Let Your Money Grow Safely and Securely Looking for Assured Returns Safely? Invest in FAAA and MAAA rating for the Fourteenth Consecutive year by CRISIL and ICRA Monthly Income Plan PREMIUM DEPOSITS (Fixed Rates only) Quarterly Option Half- Yearly Option Annual Income Plan Cumulative Option % 8.35% 8.45% % % 8.50% 8.60% 8.75% 8.75% % 8.60% 8.70% 8.85% 8.85% Min. Amt. Rs. 40,000 20,000 20,000 20,000 20,000 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. Post Office Schemes Invest Today in Solid, Safe & Secure Schemes Interest rate (%) Term (years) Max. Investment (Rs) Exemption on Investments Taxability on interest Accumulated interest compounded yearly paid on maturity along with the principal Compounded half yearly Compounded quarterly 4 Rs. 9 Lacs in Joint A/c & Rs.4.5 Lacs in SingleA/c Please Note : Documents for Post Office Schemes : (1) for MIS - 2 Joint Photos (2) for NSC/KVP - 3 Joint Photos (3) PAN Card of each applicant. (4) ITRs copy required if investment above Rs. 10 Lacs (5) Sign required backside of Cheque (6) Cheque in favour "The Postmaster Andheri H.O." Safe Money Sound Returns Feature PO Monthly years 4 9 lakh None Fully Taxable 5 % bonus on maturity Income Scheme Kisan Vikas Patra years, No Limit None Fully Taxable Money doubles in 7 months 8 years, 7 months 2 National Savings years No Limit Sec 80C Fully Taxable Interest earned in first Certificate 5 years gets Sec 80C break Post Office Time ,2,3,5 No Limit None Fully Taxable Sec 80C benefit on Deposit years 5-years deposits7.5 Rate Effective from 4th January, 2011 Capital Gain Tax Exemption Bonds - U/S 54EC 6.00% (Financial Year April to March ) 1/4/10 No TDS National Highway Authority of India (Series-X) Buy Mutual Fund On-Line from our Website

6 February GUPTA PUBLICATION Page : 6 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 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. Documents Required : Original PAN Card & Address Proof alongwith Xerox Copy duly self attested. Kindly confirm for ECS Mandate / Enclosure to be attach with Application Form as it differ From Bank to Bank 8% Saving Bond 2003 FEATURES : 8% TAXABLE BONDS 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 : Half Yearly or Cumulative Rs.1,000/- Becomes Rs.1,601/- 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) Pan Card Xerox Cheque in favour of Respective BANK A/C - 8% Saving (Taxable) Bonds. Documents Required : PAN Card & Address Proof Xerox Copy Required for SBI Bank & Pan Card & Address Proof Original Required for AXIS Bank. Dear Mutual Fund Investor KYC is Mandatory for all Investors w.e.f. January 1, 2011 With respect to the AMFI circular no. 35/MEM COR/62/10-11 dated October 7, 2010 (and with reference to AMFI circular no. 35/MEM COR/54/10-11)AMFI Committee on KYC has, based on discussion with SEBI recommended that the current threshold limit of Rs. 50,000 to be reduced to Nil for Individual Investors effective from January 1, It implies that with effect from January 1, KYC shall be mandatory, irrespective of the investment amount, for all categories of investor (individual and non individual). Investors who wish to make an investment in mutual fund scheme either by investing a lumpsum amount or through a Systematic Investment Paln (SIP) need to be KYC compliant. We advise investors who are not KYC Compliant to complete the KYC process at the earliest. Investors can submit the duly filled in KYC application form along with the relevant documents at our office. Click : to Know the documents to be Submitted for KYC processing / KYC application Form for Individuals / Non-Individuals. 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 Quality Investment under one roof Your Personal Investments & Insurance Advisor / Office No. 22, R.N.A Shopping Arcade, Fax : (D) st Floor, Lokhandwala Complex, gagan@guptainvestments.com (M) Andheri (W), Mumbai Website :