Premain same. The Stock Markets witnessed increased volatility

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1 Monthly Publication from Gupta Investments 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 PRICE Rs. 1/- Pages : 6 PUBLICATION Volume - X Issue - 8 Inside Dear Investor / HDFC Platinum Deposit 1 LIC of India Jeevan Arogya Poster / Jeevan Saral 2 HDFC Life Crest / Classic Pension Insurance Plan / Sampoorn Samridhi 3 FMP / KYC / Balanced Fund / Equity Fund / Liquid Plus Fund / 4 Fixed Deposit Scheme / Mahindra & Mahindra Financial Services Ltd / Capital Gains 5 PPF / POST / HDFC Life Insurance Solutions 6 Gupta Publication Is most preferred investments advisory publication amongst retail investor and is sent to more than Investor s family every month. Services rendered by Gupta Investments which has been acclaimed by various investors in milestone achievement. Gupta Investments Your personal Investments & Insurance Advisor. It was formally established in the year Has a team of highly experienced to provide quality services to its esteemed clients. We value relationship which plays important rote for the business in years to Quality Quality Investments has been the philosophy of Gupta Investments all along This belief in Quality, accompanied by advisory experience and Knowledge of the retail investors, unique needs has made Gupta Investments Mumbai Largest retail Investment advisory house. Our Straightforward, easy approach to investments, unbiased opinion on products, personalized attention, along with diligent post investment service has earned us the respect of over families in India, who invest regularly through us. Vision Investment Philosophy As a life insurance company, we understand that customers have invested their savings with us for the long term, with specific objectives in mind like protection for the family in case of death of family member, child education and marriage liabilities or just investment returns over a longer period of time. With the above in mind, our investment focus is based on the primary objective of protecting and generating good and consistent investment returns to match the investor s long term objective and return expectations. Our investment success is therefore based on teamwork guided by a robust and repeatable investment process. Valuable Services Gupta Investments is well known for providing valuable Services, satisfying Investors needs, which claimed various recognitation, certificate rewards. Our advisory services are based on understanding of the Financial market we take care throughly understand our Investor profile their investments need and objectives. Business w Life insurance * 9% SCSS (Senior Citizens) * Postal Saving * New Fund Offer. w HDFC Fixed Deposit * HDFC Life * Initial Public Offer * Mutual Funds. w Capital Gains Bonds * 8% GOI Bonds * HDFC ERGO (General Insurances. QUALITY INVESTMENT UNDER ONE ROOF August Pg. Happy Independence Day Dear Investor, lease note our address have changed to Office No. 22 instead of Office No. 2, and rest of the address plus phone numbers Premain same. The Stock Markets witnessed increased volatility during last three months. The high level of inflation remains a concern for the RBI. Rising Oil & Commodities Prices, Persistents high Inflation, increasing interest Rates & High Fiscal / Current A/c, deficits are pressure point for Economy. Sensex is near to after almost 3 years consequently P/E s have moderated from 23 X to 15 X. There are no material excesses in the market & markets are valuring quality at a premium unlike in Risk reward is favourable over the medium to Long Term. In move to act against inflation, the RBI raised its benchmark rate by 50bps to 8%, hiked the reverse Repo by 50bps to 7%. The other policy rates such as CRR & SLR were untouched and at the same time, recent hike in fuel prices has worsen the problem. But if we look at the positive side of the Scenario, Increasing affordabilility, low penetration of Consumer goods, increasing credit favourable demographics & increasing export, these competitiveness point to rapid economic growth ahead. If one see Indian Economy - The Big Picture i.e. (1) % Change in GDP Per Capita. (2) % of World Exports. (3) Saving (%) of GDP i.e. Household Saving % & Corporate Saving (%) & So on & So Forth are the drivers to Indian Economy. Further to this, we at M/s. Gupta Investments (Quality Investment Under One Roof) have started towards General Insurance though it is a vast concept but we will cater only towards Health Suraksha (Mediclaim) & critical illness (Health Insurance) from HDFC Ergo General Insurance only. For further details contact. A little Investment every day can make a big difference. "HAPPY TO SERVE YOU BEST Thanking you in advance for an expeditious response we receive. Please Dear Investor, provide us your Id, to access on-line Mutual Fund Portfolio. Warm Regards, (Gagan Gupta) (Certified Financial Consultant) D E P O S I T P L A N 9.75% p.a. HDFC Platinum Deposit Plan (15 & 33 months payable annually) (Rates effective * Senior Citizen 0.25% from 18th May, 2011.) Fixed Rates only Platinum Deposit Plan (Period) Monthly Income Plan Quarterly Option Half-Yearly Option CRISIL RATING FAAA ICRA RATING MAAA Rate of Interest (p.a.) Annual/ Cumulative Option Cumulative Option* 15 months 9.40% 9.45% 9.55% % 22 months 9.20% 9.25% 9.35% 9.55% 9.55% 33 months 9.40% 9.45% 9.55% 9.75% 9.75% Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000 *For Cumulative Option, interest is compounded annually. Additional Interest Rates (p.a.) Senior Citizen (60 Year and above) 0.25%

2 August GUPTA PUBLICATION Page : 2 LIC s Jeevan Saral (T-165) LIC s Jeevan Saral is a UNIQUE plan which provides Higher Cover Liquidity A Return A Lot of flexibility Jeevan Saral... All in one solution... is a It is made of best of Traditional & ULIP plans. Money Back Plan - Decide your own term & SB A regular income plan! A Pension Plan! A term assurance plan with maturity benefits! & Many More! LIC of INDIA Jeevan Arogya What is the situation today? What is different from Mediclaim Pre defined benefit- No reimbursement, but lump sum paid based on pre-defined benefit Not based on expenses incurred This will tend to indirectly reduce the Health care cost, which is rising due to cash less mediclaim benefit All benefit is dependent on HCB Welcome to Goodhealth LIC s Jeevan Arogya gives you Valuable financial protection in case of hospitalisation, surgery etc Increasing Health cover every year Lump sum benefit irrespective of actual medical costs No claim benefit Flexible benefit limit to choose from Flexible premium payment options Why wait Get LIC s Jeevan Arogya Enjoy Your Life with your family

3 August GUPTA PUBLICATION Page : 3 ON THE CREST OF A WAVE 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 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 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. Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961 HDFC Life Sampoorn Samridhi Insurance Plan Sukh aur Samridhi. Joy, happiness and prosperity are your ultimate desire, not only for yourself but also for your loved ones. Life insurance plans not only let you secure financial future of your loved ones, they also assist you in attaining prosperity. With HDFC Life Sampoorn Samridhi Insurance Plan, you can be financially prepared for the future and can fulfil your dreams & aspirations. This plan offers financial protection to your loved ones when they need it the most, enabling you and your family live life with peace of mind and sar utha ke! Features : HDFC Life Classic Pension Insurance Plan With HDFC Life Classic Pension Insurance Plan, you can be financially prepared for your life - post retirement. This â with profitâ traditional pension plan is designed to assist you to live your post retirement days to a maximum - without any compromise. This pension plan will build a corpus during the policy term so that you can enjoy post retirement income for life. This limited pay plan offers guaranteed reversionary bonus. Features : Advantages Please roll over your mouse over circles for explanation. Financial protection to your loved ones by way of a lump sum payment in case of your unfortunate demise during the policy term. Sum assured plus attached bonuses will be paid to the nominee. In case of death due to accident, an additional Sum Assured will be paid. The policy will terminate and no further benefits will be payable. Choice of Maturity Benefit Option- on survival till maturity, you can choose maturity benefit option Enhanced Cash Option - Sum Assured + Reversionary Bonus +any interim bonus + any terminal bonus + Enhanced Terminal Bonus. Policy terminates and no further benefits are payable. Enhanced Cover Option - Sum Assured + Reversionary Bonus + any Interim bonus + any Terminal Bonus payable on maturity + Additional Sum Assured on unfortunate death of life assured upto age of 99 years. Tax benefits under sections 80C and 10(10D) of the Income Tax Act, 1961 subject to the provisions contained therein For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision. Advantages Please roll over your mouse over circles for explanation. This plan is designed to build your corpus during the policy term of your choice, by giving you vesting benefit at end of the policy term.this vesting benefit, will be used to provide you with the annuity in your golden years. Also, provides financial protection to your spouse(nominee) by way of lump sum payment in case of unfortunate demise within policy term. On Vesting you will receive Sum Assured + attached bonuses. As per prevailing Government regulations: You can take up to 1/3rd of the total Vesting benefit as a tax-free cash lump sum The rest must be converted to annuity You can buy the annuity from us or any other insurer Tax benefits under sections 80CCC of the Income Tax Act, 1961 subject to the provisions contained therein For more details on risk factors, terms and conditions, please read the Product Brochure carefully and/or consult Financial Consultant before taking a decision.

4 August GUPTA PUBLICATION Page : 4 Mutual Fund Fixed Maturity The hardening interest rate scenario and the possibility of a rate hike by RBI have increased the attractiveness of the product. Fixed Maturity 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. Dear Mutual Fund Investors Mutual Fund Update Scheme Name Balanced Fund NAV ( ) 1 Year Rank 2 Year Rank 3 Year Rank 5 year Rank Since Inc. Rank Birla Sun Life 95 - Growth (15-Jul-11) FT India Balanced Fund - Growth (15-Jul-11) HDFC Balanced Fund - Growth (15-Jul-11) HDFC Prudence Fund - Growth (15-Jul-11) Reliance RSF - Balanced - Growth (15-Jul-11) Average Minimum Maximum Indices Crisil Balanced Fund Index (14-Jul-11) Scheme Name Liquid Plus Fund NAV ( ) 1 Year Rank 2 Year Rank 3 Year Rank 5 year Rank Since Inc. Rank Birla Sun Life Savings Fund - Ret - Mthly Dividend (11-Feb-11) LIC Nomura MF Savings Plus Fund - Mthly Dividend (15-Jul-11) Reliance Money Manager Fund - Retail-Mthly Dividend (15-Jul-11) Tata Floater Fund - Weekly Div (15-Jul-11) Templeton India Ultra Short Bond Fund - Retail-Dividend (15-Jul-11) Average Minimum Maximum Indices KYC is Mandatory for all Investors w.e.f. January 1, 2011 Click : to Know the documents to be Submitted for KYC processing / KYC application Form for Individuals / Non-Individuals. For details contact. Scheme Name Equity Fund NAV ( ) 1 Year Rank 2 Year Rank 3 Year Rank 5 year Rank Since Inc. Rank DSP BlackRock Equity Fund - Dividend (15-Jul-11) Fidelity Equity Fund - Growth (15-Jul-11) HDFC Equity Fund - Growth (15-Jul-11) HDFC Top Growth (15-Jul-11) ICICI Prudential Focused Bluechip Equity Fund - Ret - Growth (15-Jul-11) Average Minimum Maximum Indices S&P Nifty (15-Jul-11) BSE (15-Jul-11) CNX (15-Jul-11) Crisil Liquid Fund Index (14-Jul-11) CRISIL Short-Term Bond Fund Index (14-Jul-11) Visit :

5 August GUPTA PUBLICATION Page : 5 Sr. No. Fixed Deposit Scheme The Interest Rate Structure for Fixed Deposit Scheme are as under w.e.f. 15/06/2011 Company & Rating Period Minimum & Multiple of Monthly Interest (%) Qtr. H.Y Ann/Cum Interest (%) Yield 1 Godrej Industries Limited 13 Months Rs. 10, % 8.02% 24 Months ( & in multiples of % % 36 Months Rs. 1,000 thereafter) % % 2 Godrej & Boyce Mfg. Co. Ltd. 3 years Rs. 40,000 - Mty - Rs. 15,000 - H.Y % 9.00% (& in multiples of - Rs thereafter - 3 Godrej Properties Ltd. 1 years 10,000/ % years % years 10.00% 4 Jaiprakash Associates Ltd. 1 years Rs. 20,000/ years (& in multiples of years Rs thereafter Jaypee infratech Ltd. 1 years Rs. 20,000/ years (& in multiples of years Rs thereafter Shriram Unnati Fixed Deposit 12 Months Rs.10,000/ % CRISIL RATING FAA 24 Months (& in multiples of % ICRA RATING MAA 36 Months Rs thereafter % 48 months % 60 months % 7 United Spirits Ltd. 1 years Rs.25000/ % 11.00% (ICRA RATING) LA-,MA- & A2+ 2 years 11.50% 11.50% 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 h) PAN copy (Mandatory) Interest rates are subject to change and the rate applicable will be the rate payable on the date of deposits. Declarations : a) Please read fixed deposit form carefully, as we are not responsible for any charge in int. rates. b) Company take 90 days to issue FDR receipt. c) Please confirm int. rates before investing in FD S. Cumulative Scheme Minimum Amount Rs. 10,000@ Crisil Rating FAAA Indicates Highest Safety Period (Months) Mahindra & Amount Payable (Rs.) 10,850 11,391 11,990 13,310 14,641 16,105 Mahindra Interest* p.a. 8.50% 9.00% 10.00% 10.50% 10.00% 10.00% Effective Yield p.a.** 8.50% 9.27% 10.50% 11.64% 11.60% 12.21% Financial Services Ltd. Non-Cumulative Scheme Period (Months) Interest p.a.* # (Half Yearly) Please Note : 1) Renewals will be accepted in the Scheme prevailing on date of maturity 2) Only Principal Amount will be renewed in case of renewal Interest rate/ Credit rating are subject to change and the Interest rate / Credit rating applicable will be the prevailing Interest rate/ Credit rating on the date of Deposit Forms can also be downloaded from Company s Website : U/S - 54EC - CAPITAL GAINS TAX EXEMPTION BONDS? Interest 6 % payable annually? Lock - in: 3 yrs (Automatic redemption after 3 years )? Max. Investment: 50 Lakh per financial year? Min. Investment: 10000/- per bond & multiple of one ISSUE HIGHLIGHTS RURAL ELECTRIFICATION CORPORATION LTD NATIONAL HIGHWAY AUTHORITY OF INDIA Credit Rating "AAA Stable" by CRISIL / "CARE AAA" by CARE "AAA/Stable" by CRISIL, "AAA/ind" by Fitch Ratings "AAA(ind)" by Fitch Ratings and "AAA" by CARE Face Value Rs /- per Bond Rs.10,000/- per bond Issue Price Rs /- per Bond Rs.10,000/- per bond Min. Appl. Size One Bond of Rs. 10,000/- each and in multiple of Five Bonds of Rs. 10,000/- each & in multiple of one One bond thereafter Bond thereafter Max.Appl.Size 500 Bonds of Rs. 10,000/- Each. (However, the 500 Bonds of Rs /- Each. (However, the aggregating investment made/being made by aggregating investment made/being made by applicants in the 54 EC Capital Gains Tax Exemption applicants in the 54 EC Capital Gains Tax Exemption Bond issue of REC and NHAI during the FY Bond issue of REC and NHAI during the FY should not exceed Rs. 50 lakhs) should not exceed Rs. 50 lakhs) Issue Date Opening : 28th May 2008, Extended till 31st March 2012 Opening : 11th May 2009, Extended till 31st March 2012 Cheque To Be Drawn In "Rural Electrification Corporation Ltd EC BONDS" "National Highway Authority of India" - 54 EC BONDS The Name of Deemed Date of Allotment Last day of each month in which subscription money is Last day of each month for application money cleared received and credited to REC account and credited in NHAI's collection account. Tenor 3 yrs 3 years Redemption / Maturity At par at the end of 3 yrs from the deemed date Bullet, at the end of 3 years of allotment Transfer No Transfer is permitted During the period of the bond i.e. for three years from the deemed date of allotment, the bonds are non-negotiable and cannot be offered as a security for any loan or advance. Interst Paymnet Annual Annual Date of Interest Payment 30th June 31st march Coupon Rate w.e.f. 1/11/08 6 % payable annually 6 % payable annually Interest p.a.* # (Quarterly) % 9.75% 10.25% 8.15% 9.65% 10.15% 48, % 9.65% Minimum Amount Rs. 25,000 Rs. 50,000 Trustee IDBI Trusteeship Services Ltd. Mumbai Syndicate Bank, 6, Bhagwan Dass Road, New Delhi Registrar RCMC Share Registry (P) Ltd. Tel: , M/s Beetal Finacial & Computer Services (P) Ltd - rcmc@dimensioni.net Tel: , - beetal@beetalfinancial.com * Senior Citizens / Employees will get an additional rate of 0.25% per A d d i t i o n a l a m o u n t w i l l b e accepted in multiples of Rs. 1,000/ # Interest Payment Half Yearly on 3 0 t h S e p t e m b e r a n d 3 1 s t M a r c h only through ECS/NCES/NEFT. I n t e r e s t P a y m e n t Q u a r t e r l y o n 3 0 t h S e p t e m b e r a n d 3 1 s t M a r c h only through ECS/NCES/NEFT. ** Compounded Annually

6 August GUPTA PUBLICATION Page : 6 Open your PPF A/c. through us. Life Insurance Solutions Kal ki socho... Sar utha ke jiyo! Children s 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 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 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 Schemes Investment 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 Rs. 4,43,515 5 years Provident Fund Post Office Schemes Invest Today in Solid, Safe & Secure Interest rate (%) Term (years) Max. Investment (Rs) Exemption on Investments Taxability on interest Rs. 10,95,189 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." 10 years Post-Tax FDs(1-year recurring deposit) Safe Money Rs. 22,92, years 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 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 Dimpi Printers, Azad Road, Gundavali, Behind Ganesh-Motor Training School, Andheri (E), Mumbai & Published at Office no 22, 1st Floor, R. N. A. Arcade, Lokhandwala Complex, Andheri (W) Mumbai Protection Women s Health Retirement Savings Youth Please Update Our Changes of Address Your Personal Investments & Insurance Advisor Quality Investment under one roof / Office No. 22, R.N.A Shopping Arcade, Fax : (D) st Floor, Lokhandwala Complex, gagan@guptainvestments.com (M) Andheri (W), Mumbai Website :