The report gives the returns of asset classes for different periods of time. This monthly research report will help you in managing your finance. Summary of return rates Return are shown as annualized %, and are not adjusted for taxes or inflation Type of Asset 5 Year 3 Year 1 Year Debt Saving Bank - - 4-7% Debt Fix Deposit 8-9% 8.75-9.25% 7.25-9.25% Debt Mutual Funds 9.91% 8.41% 12.72% Equity Mutual Funds 7.51% 15.78% 1.80% Equity BSE Sensex 4.03% 3.73% -3.89% Gold 26.68% 13.49% 25.25% * Real Estate 10.67% 13.41% 11.97% * In order to calculate return all over India average value of NHB Residex over 15 cities is used. 30 25 26.68 25.25 20 15 10 5 0-5 -10 15.78 13.49 12.72 9 9.91 7.51 9.25 8.41 9.25 4.03 3.73 1.8 5 Year 3 Year 1 Year -3.89 FD MF-Equity MF- Debt BSE-Sensex Gold Page 1 of 7
Debt Saving Bank After the savings rate deregulation by the RBI, most of the banks is offering 4% on the savings bank balance. Some banks that offer higher savings bank rates are 1 Yes Bank: 6 % up to Rs. 1 lac and 7 % above Rs. 1 lac 2 Kotak Mahindra Bank: 5.5 % up to Rs. 1 lac and 6 % above Rs. 1 lac 3 Indusind Bank: 5.5 % up to Rs. 1 lac and 6 % above Rs. 1 lac 4 Karnataka Bank: 4% up to Rs. 2 lac and 5 % above Rs. 2 lac Debt Fix Deposits A list of interest rates for fix deposits for varying duration is presented in table below. Bank Less than 90 days 1 Year 3 5 Axis Bank 6.50% 9.25% 9.25% 8.75% Bank of Baroda 4.50% 8.75% 8.75% 8.00% Canara Bank 7.00% 9.25% 9.00% 9.00% Central Bank of India 7.00% 9.00% 9.00% 8.50% HDFC Bank 7.00% 7.25% 9.25% 8.25% ICICI Bank 6.50% 8.00% 9.25% 8.50% Kotak Mahindra Bank 7.00% 9.25% 9.00% 9.00% State Bank of India 8.00% 9.00% 9.00% 9.00% Yes Bank 6.25% 9.00% 8.75% 8.75% Interest rates are shown for amounts less than Rs. 1 crore. The rates can differ for less than Rs. 15 lacs deposits. Page 2 of 7
Debt Mutual Funds NAV: Net asset value in Rupees per unit The top 5 performing Debt Income funds over a 5 year period are:- 1 Canara Robeco Income 23.00 11.13% 2 ICICI Prudential Income Inst 36.29 9.81% 3 Sahara Income 21.15 9.58% 4 Kotak Bond Regular 31.64 9.55% 5 Birla Sun Life Dynamic Bond Ret 18.48 9.48% Average: 9.91% The top 5 performing Debt Income funds over a 3 year period are:- 1 IDFC SSI Medium-term Plan B 12.09 8.81% 2 SBI Dynamic Bond 13.55 8.59% 3 Escorts Income 35.91 8.44% 4 IDFC SSI Medium-term Plan A 18.76 8.39% 5 Birla Sun Life Medium Term Retail 12.82 7.84% Average: 8.41% The top 5 performing Debt Income funds over a 1 year period are:- NAV Current Annualized % 1 Escorts Income 35.91 14.13% 2 Kotak Bond Deposit 29.51 12.73% 3 Kotak Bond Regular 31.64 12.73% 4 SBI Dynamic Bond 13.55 12.12% 5 IDFC Dynamic Bond Plan B 12.87 11.88% Average: 12.72% Page 3 of 7
Equity Mutual Funds NAV: Net asset value in Rupees per unit The top 5 performing Equity Large cap funds over a 5 year period are:- 1 DSPBR Top 100 Equity Reg 98.40 8.22% 2 Franklin India Bluechip 212.27 7.97% 3 ICICI Prudential Top 100 Inst I 19.86 7.97% 4 IDFC Imperial Equity 18.04 6.72% 5 SBI Magnum Equity 43.24 6.70% Average: 7.51% The top 5 performing Equity Large cap funds over a 3 year period are:- 1 ICICI Focused Bluechip Equity Inst I 16.88 18.13% 2 ICICI Focused Bluechip Equity Retail 16.31 17.29% 3 ICICI Prudential Top 100 Inst I 19.86 15.53% 4 Franklin India Bluechip 212.27 14.01% 5 ICICI Prudential Top 100 137.96 13.97% Average: 15.78 78% The top 5 performing Equity Large cap funds over a 1 year period are:- 1 ICICI Prudential Top 100 Inst I 19.86 3.01% 2 BNP Paribas Equity 34.97 2.52% 3 Canara Robeco Large Cap+ 10.75 1.99% 4 ICICI Prudential Top 100 137.96 1.64% 5 Religare AGILE 6.62-0.15% Average: 1.80 80% Page 4 of 7
Equity BSE Sensex The returns of the BSE Sensex are listed below for 4 different periods. 10 2,987.65 17,489.14 485.38% 19.33% 5 14,355.75 17,489.14 21.82% 4.03% 3 15,670.31 17,489.14 11.66% 3.73% 1 18,197.20 17,489.14-3.89% -3.89% These returns could be achieved by average investor by making investment in equity based mutual funds. If you are skilled investor you could even get higher returns by investing directly in equities of companies & following an effective investment strategy. Gold The returns of Gold are listed below for 4 different periods 10 4950 28056 466.78% 18.94% 5 8600 28056 226.23% 26.68% 3 14900 28056 88.29% 13.49% 1 22400 28056 25.25% 25.25% s in gold can be done by investing in physical gold like coins and bar, or in the gold Exchange Traded Funds (ETF's) available on the stock exchanges. Page 5 of 7
Real Estate Real estate return showing top 3 cities of India during the period 2007-2012. NHB Residex's index was used for the analysis. City Chennai 4 104 304 192.30% 30.76% 3 120 304 153.33% 36.32% 1 218 304 39.44% 39.45% City Faridabad 4 100 217 117.00% 21.37% 3 139 217 56.11% 16.01% 1 165 217 31.51% 31.52% City Pune 4 101 181 79.20% 15.70% 3 103 181 75.72% 20.67% 1 148 181 22.29% 22.30% Country India 4 106 159 50.00% 10.67% 3 109 159 45.87% 13.41% 1 142 159 11.97% 11.97% In order to calculate return all over India average value of NHB Residex over 15 cities is used. Page 6 of 7
Source of Information The analysis shown above is based on information available in the public domain. Sources of the information used for asset class are listed below Type of Asset Debt Savings bank Debt Fixed deposits Source of Information State Bank of India - www.sbi.co.in Yes Bank - www.yesbank.in HDFC Bank - www.hdfcbank.com Debt Mutual funds Value - www.valueresearchonline.com Equity Mutual funds Value - www.valueresearchonline.com Equity BSE Sensex BSE Historic Data www.bseindia.com Gold Gold Historic Data - www.goldprice.org Real Estate Residex - www.nhb.org.in Page 7 of 7