The document discusses various investment and savings options for individuals, including their typical returns and risks. It provides statistics on household savings in India for 2013-14, showing the majority in currency and bank deposits, followed by investment in shares, debentures, mutual funds, and life insurance. The document advocates that equity investment through the stock market can be a means to multiply wealth over the long run through participation in a country's economic growth, but that individuals tend to be more conservative investors.

1. Current expenses at the age of 30
Rs. 20,125
Future expense at the age of 60
Rs. 2,02,514
Inflation Impact on Household Expenses ( Excluding Health Care Expenses )
Income Impulsive buying &
indiscipline investment Financial stress after 60 years
Income Planned expenses & disciplined
investment
Life’s Most Biggest & Enjoyable Holiday
You will require 3,51,65,906 till 80 years to maintain your today’s life style
OR

2. Investment
Guaranteed Return Investment
Fixed Deposit
Post-office
scheme
EPF
PPF
Non-Guaranteed Return Investment
Equity
Mutual
Fund
Diversified
Equity Fund
Sectoral Equity
Fund
Stock
Market
Gold
Mutual
Fund
Physical
Form
Commodity
Mutual
Fund
Stock
Market
Real Estate Life Insurance

3. Bank Deposit – Not Bankable
Each depositor in a bank is insured upto a maximum of Rs.1,00,000 (Rupees One Lakh) for both principal and interest
amount held by him in the same capacity and same right as on the date of liquidation/cancellation of bank's license or
the date on which the scheme of amalgamation/merger/reconstruction comes into force.
.All funds held in the same type of ownership at the same bank are added together before deposit insurance is
determined. If the funds are in different types of ownership or are deposited into separate banks they would then be
separately insured.
Effective from Date Insurance Limit
1-Jan-68 Rs. 5,000/-
1-Apr-70 Rs.10,000/-
1-Jan-76 Rs. 20,000/-
1-Jul-80 Rs. 30,000/-
May 1, 1993. Rs. 1,00,000/-
http://www.dicgc.org.in/english/FD_A-GuideToDepositInsurance.html
http://www.dicgc.org.in/english/pdf/2007/AnnualrEnglish/Profile.pdf
As on 23.12.16 Indians have deposited Rs. 105.16 lakh cr. with banks. As on Dec 16 FII equity investment
was Rs. -10582.26 cr & DII equity investment was Rs. 35362.66 cr. In 2012 FII highest equity investment
was Rs. 101166.11 cr. We Indians have enough money to run our stock market. Can we imagine if we invest
10% of our bank deposit in equity market, then what will happen?
http://www.financialexpress.com/economy/non-food-credit-growth-hits-multi-year-low-of-5-3/497074/
moneycontrol.com
We, Indians, are very aggressive saver but very conservative investor.

4. Swiss banks may no longer be safe for those looking to park their ill-gotten wealth. This probably does not
concern you, but the safety of your valuables kept in domestic bank lockers should. In a dramatic heist earlier
this week, the perpetrators dug a tunnel leading to the locker room of a Punjab National Bank branch in
Sonepat, prised open 89 lockers, and decamped with the loot. Bank lockers may not be as secure as you think
they are. Besides, if the contents of your locker are stolen, you may not be eligible for compensation. The
Reserve Bank of India guidelines say that banks are not responsible for the contents of the lockers they rent,
though they are required to take precautions for their protection. Your valuables are also not insured. "A bank
does not have the ownership or knowledge of the contents of the locker. Hence, it does not have any
insurable interest in. According to Section 152 of the Indian Contract Act, a bank is not responsible for any loss
or damage to the contents of a locker. "The relationship between the bank and the locker customer is that of a
lessor and a lessee," says Narayan Raja, CEO, Banking Codes and Standards Board of India (BCSBI). However,
the National Consumer Disputes Redressal Commission (NCDRC) has rejected the argument that locker
customers are only tenants and, hence, banks cannot be held liable for any loss suffered by them. However, as
things stand, the law is loaded against the customer. He not only has to prove that the locker was robbed, but
also submit evidence to establish the extent of loss. The silver lining for customers is that if they are able to
prove that the loss or damage has occurred due to the negligence by the bank, they can claim compensation.
"If the negligence by the bank is proved, or a bank employee is found to be involved (in the theft), it becomes
a vicarious liability and the bank is liable to pay compensation," says Mumbai-based advocate V T
Gokhale. However, the compensation may not cover the full loss. Affected customers can also approach
consumer courts. In several cases, where negligence on the part of bank has been proved, courts have come
to the rescue of customers.
Your bank locker – Not properly locked
ET, 10/06/15

5. Priority Banking – Only emotional priority
Priority Banking or Privilege Banking is a relatively new term in the Indian banking context.
These customers are determined usually by the average balance they maintain with the
bank or based on the number of years they hold the banking relationship.
For most people, banking stops with depositing and withdrawing cash, opening fixed
deposits, operating the locker and maybe take demand drafts. Now, with the advent of
mobile banking, internet banking apps, the need for physical visits to bank branches is also
greatly reduced for the common man. In such a scenario, applying for a priority banking
account by paying a fee does not make much sense.
You have to maintain a minimum Average Monthly balance from Rs. 50,000 to few lakh
rupees.
Gold – Not Glittering
Let me give you some more information. The gold price was crashed in the international
market almost 3 times from $850 per ounce in January 1980 to $252 per ounce in August
1999. During this period, the Indian rupee became weaker almost 6 times from Rs.8.19 to
Rs.46.64 against $1 . This has pushed up the Indian gold price from Rs.3452 to Rs.4474
almost 3 times in Indian rupees.
As on march 2012 we hold around 20000 tones of gold which has a valuation of Rs.54 Lakh
Crore. If we switch 10% of it to equity market, then the equity market will get a inflow of
Rs. 5.40 Lakh Crore.
Myth - Gold price never fall

6. Policy SA Term Annual Premium Total Premium Maturity Gain Return
New Endowment Plan 1,00,000 35 2,881 1,00,835 2,49,000 1,48,165 4.84%
LIC’s New Jeevan Anand 1,00,000 35 3,165 1,10,775 2,81,000 1,70,225 4.97%
LIC's JEEVAN RAKSHAK 1,00,000 20 3,587 71,740 1,16,500 44,760 4.42%
LIC’s Jeevan Lakshya 1,00,000 25 4,366 1,09,150 1,90,000 80,850 7.75%
http://www.licindia.in/New_Endowment_Plan_benefits_illustration.html http://www.licindia.in/new_jeevan_anand_ben_illustration.html
http://www.licindia.in/LICs_Jeevan_Rakshak_benefits_illustrations.html http://www.licindia.in/LICs_JEEVAN_LAKSHYA_Benefits_illustrations.html
Life Insurance – Return Not Insure
Wealth creation not possible through Life Insurance
Life Insurance = Income Insurance
Protect your Income & family.
Online Term plans is cheaper than off line.
Example – 1 Crore Life Cover at less than Rs. 20 per day based on assumption of age 30
years and Term is 20 years .

7. Real Estate – Real Fact
The Times Of India Mumbai – 6/5/14
Over 7 lakh housing units are remain unsold in 8 major cities & it will take more than 3 years to absorb the
units. Housing sales dropped by 19% & new launches by 40% during jan-jun 15. FE – 5/8/15

8. Real Estate – Real Fact
If you go beyond the headlines and dig deeper, you will find that the return is not as spectacular as it appears. There was no
Sensex when Lincoln House was being leased to the US Consulate in 1957.But if we assume that it existed and extrapolate
the same 17.22% returns it has notched since its launch in 1980, an investment of `18 lakh would have grown to `1,809
crore by now. In absolute terms, the money would have grown more than 10,000 times. Investment in equity would have
given a 2.5-times higher return than real estate.
ET – 26/10/15 http://epaperbeta.timesofindia.com/Article.aspx?eid=31817&articlexml=GUEST-CORNER-Is-real-estate-
the-best-investment-26102015129023
The iconic Lincoln House in Mumbai was recently bought by in dustrialist Cyrus Poonawalla for `750 crore. The 50,000 sq. ft
property had been leased to the US government by Pratabsinhji Jhala, the Maharaja of Wankaner, for a sum of `18 lakh in
1957. In the past 58 years, its value has grown 4,000times at an annual growth rate of 15.45%. Most people infer that the
property has given astronomical returns. Has it?

9. Over 75% real estate projects non-starters: Assocham
Over 75 per cent of total 3,540 live projects with total outstanding investments worth over Rs 14
lakh crore attracted by the real estate sector across India remained non-starters as of financial
year 2014-15,” said an Assocham study.
As per the study, while over 2,300 projects in the realty sector remained non-starters, over
1,000 on-going projects have registered significant delays in completion.
With 964 projects, domestic private sector accounted for 95 per cent share in projects facing
delays, followed by public sector (49 projects) and foreign private companies (six projects), it
said.
“On an average, real estate projects in India are facing a delay of 33 months in completion,”
Assocham Secretary General D S Rawat said while releasing the report.
According to the study, realty projects in Andhra Pradesh are facing maximum delay of about 45
months followed by Madhya Pradesh (41 months), Telangana (40 months) and Punjab (38
months).
It said that Maharashtra alone accounts for over one-fifth share (21 per cent) in the total
outstanding investments attracted by real estate sector, followed by Uttar Pradesh (14 per cent),
Gujarat (13 per cent), Karnataka (12 per cent) and Haryana (8 per cent).
Tamil Nadu and Telangana accounted for over six per cent share each in terms of total
outstanding investments garnered by realty sector in the country.
Real Estate – Real Fact
FE – 23/10/15

10. 2089170
3524537 3660708 3793811
29620000
FD PPF Gold EPF Sensex
Value of 100000 from April 1979 to March 2017
7.36%
8.33%
9.83% 9.94% 10.04%
16.16%
0.97%
2.47% 2.58% 2.68%
8.80%
Inflation FD PPF Gold EPF Sensex
Pre Inflation Return Post Inflation Return

11. 7.40%
5.70%
8.00%
9.00%
11.00%
6.30%
5.20%
13.40%
12.90%
17.00%
5.90%
5.10%
10.80% 11.00%
13.60%
5.70% 5.50%
6.20%
8.40%
12.90%
Average Inflation FD Property Gold Equities
5 Year 10 Year 15 Year 20 Year
Equities are the best bet in the long term: Morgan Stanley report. The Economic Times – 30.01.15

12. Category 1991 2010 Growth
Gold 3452 15756 456%
Silver 6761 25321 375%
Sensex 1167 17527 1502%
Commercial Property 1991 2010 Growth
Bangalore 700 11000 1471%
Delhi 4000 25000 525%
Mumbai 5000 35000 600%
Chennai 1800 10000 456%
Different Asset Class Growth
Times of India 27/2/10

13. What should I do in these 3 different situations?
Market is continuously
going down
I am worried.
Market is tremendously
volatile
I am confused.
Market is continuously
going up
I am happy .
Rebalancing

14. Which investment option is more profitable?
SIP or One Time
&
Invest & forget or Invest & Rebalance
Choice is yours
Investment date from
03/01/2000 to 09/03/2009
5,55,000 7,48,733
19,82,834
61,45,758
6.84% 24% 41%
Investment Index Normal Equity
SIP Value
Rebalancing SIP
Value
SIP Investment
Value Return%
1,00,000 ,1,51,818
4,24,294
47,17,711
4.75% 17.42% 53.45%
Investment Index Without
Rebalancing
Rebalancing
One Time Investment
Value Return%
The market may move up and down in
different situations, which is quite natural.
The main reason for rebalancing is to
protect the current equity valuation when
the market rise and buy equity when the
market fall based on the market conditions.
If you apply this strategy, you might
achieve your goal before the actual time.
Rebalancing your portfolio on a regular
basis maintains the desired return in your
investment strategy. It’s the ultimate art and
science of wealth creation.

15. ET 22/05/15
http://articles.economictimes.indiatimes.c
om/2015-05-
22/news/62504409_1_sensex-target-
sensex-companies-tvf-capital-advisors
http://www.businesstoday.in/markets
/stocks/fii-stake-value-in-nse-firms-
hits-6-yr-high/story/218960.html
Foreigners are believing in our economic growth but we are not believing.

16. The top 3 largest economies in 2050
Researcher No 1 economy No 2 economy No 3 economy
Citi Group India China US
PWC China India US
Goldman Sachs China US India
HSBC China US India
From the above table, we can say that the economic situation predicted by the
above companies is almost similar to that of 200 years ago situation.

17. Globally-EY-Survey
TOI – 15/10/15

18. Meaning of EQUITY
People have lot of misconception regarding EQUITY. But know the fact to gain confidence for
right conviction.
Equity = Nation’s Economic Development indicator.
Equity Investment = Wealth creation through taking part of the nation’s Economic Development.
If Economic development is high – Equity returns is also high.
If Economic development is low – Equity returns is also low.
If Economic development is volatile – Equity returns is also volatile.
Just like your income ( except govt. employee ), when economy performing well your income
rise and when economy not performing well your income also not rising.
Let’s take an example.
We are using toothpaste from childhood.
Like our self other people also using toothpaste from childhood.
Should your family stop using or use toothpaste in the future ?
Should other people also stop using or use toothpaste in the future ?
Do you think toothpaste demand will grow in the future ?
Do you think that there may be more toothpaste manufactures in the future ?
You may change brand but you will use toothpaste in the future.
Do you believe that you & other people will earn money & spend?
Be sure if equity market will not grow then your future income will be a question mark.
See the Economic Development Cycle in the next slide.

19. Economic Development Cycle
More
demand
More
production
More
factory
More
human
being
More ad
More
transportation
Reach
more shop
More
consumer
More
profit
More
capital
Bank loan
or equity
Equity Investment not risky but not investing in Equity is the riskiest

20. Equity Investment means MULTIPLY WEALTH through Economic Development
Equity Investment not risky but not investing in Equity is the riskiest
Job
Income
Investment
Return
Expenses
Consumption Service
Supply
Manufacture Service Provider
Demand

21. 8.70%
58.80%
1.10% 1.80%
16.60%
11.16%
Currency Bank Deposit Share &
Debenture
Mutual Fund Life Insurance Providend
Fund
Household Financial Savings 2013-14
RBI Annual Report : 2013-14
7.10%
14.80%
Financial Savings-Net Physical Savings - Gross
Domestic Savings 2013-14
RBI Annual Report : 2013-14

23. ECONOMIC
GROWTH

24.  The world's largest, oldest, continuous civilization is India.
 In her last 10000 years of history, India did not invade any country, but was attacked by different countries for her
wealth.
 The number Zero was invented by Aryabhatta.
 In 700BC the World's first university was established in Takshashila. More than 60 subjects from this university
were studied by more than 10,500 students from all over the world.
 All the European languages originated from Sanskrit. According to Forbes magazine July 1987 report, Sanskrit is the
most understandable language for computer software.
 Ayurveda is the earliest school of medicine. It was first consolidated by Charaka, the father of ayurveda medicine
2500 years ago.
 India was the richest country on earth until 17th Century. Christopher Columbus was attracted by India's wealth.
 India invented Algebra, Trigonometry and Calculus.
 India also invented the game of Chess.
 The time taken by earth to revolve around the sun has been calculated hundreds of years back by Indian
astrologer Bhaskaracharya.
 In 1820, India was the second largest economy in the world with 16% of the world’s GDP, after China. And USA was
only 2% of world’s GDP.
 In 1700, India’s GDP was almost 9 times higher than Britain’s GDP. Just before Indian Independence from British in
1947, the British GDP became 1.2 times higher than India.

27. Small Banks
The purpose of the small banks will be to provide a whole suite of basic banking products
such as deposits and supply of credit, but in a limited area of operation.
The objective for these Small Banks is to increase financial inclusion by provision of
savings vehicles to under-served and unserved sections of the population, supply of
credit to small farmers, micro and small industries, and other unorganised sector entities
through high technology-low cost operations.
Payments Banks
Objective of payments banks is to increase financial inclusion by providing small savings
accounts, payment/remittance services to migrant labour, low income households, small
businesses, other unorganised sector entities and other users by enabling high volume-
low value transactions in deposits and payments/remittance services in a secured
technology-driven environment.
Payments Banks can accept demand deposits (only current account and savings accounts).
They would initially be restricted to holding a maximum balance of Rs 100,000 per
customer. Based on performance, the RBI could enhance this limit.
The banks can offer payments and remittance services, issuance of prepaid payment
instruments, internet banking, functioning as business correspondent for other banks.

28. Tourism
Tourism
Aviation
Auto
Road &
Transport
Hotel
Construction &
Real Estate
Power
Banking
Health Care
Telecom
Foreign
Currency
Over all economic development for Tourism
Foreign Tourist Arrivals (FTAs)
FTAs during the Month of August 2015 were 5.89
lakh as compared to FTAs of 5.76 lakh during the
month of August 2014 and 4.86 lakh in August
2013. There has been a growth of 2.3% in August
2015 over August 2014.
FTAs during the period January- August 2015
were 50.68 lakh as compared to the FTAs of
48.51 lakh, showing a growth of 4.5%.
FEEs during the month of August 2015 were Rs
10,471 crore as compared to Rs 10,385 crore in
August 2014 and Rs 8,351 crore in August 2013.
The growth rate in FEEs in rupee terms during
August 2015 over August 2014 was 0.8%.
FEEs from tourism in rupee terms in January-
August 2015 were Rs 82,225 crore as compared to
the FEE of Rs 79,803 crore during January-August
2014, showing an increase of 3%.
Foreign Exchange Earnings (FEEs)
http://pib.nic.in/newsite/PrintRelease.aspx?relid=
126764, 9/9/15

29. Gold Monetisation Scheme
India is a huge importer of gold, the government, in a bid to reduce imports of the yellow metal, has
proposed the gold monetisation scheme that aims to bring domestically held gold into circulation by
encouraging individuals to get the metal melted, deposit it with banks and also earn interest on it.
The gold monetisation scheme is aimed to mobilise the surplus gold holdings held with Indian households
and institutions as deposits. Under the scheme, gold lying idle with people can be deposited in banks and
generate interest. The return from these deposits is totally tax free. The deposited gold will be melted and
make available for jewellers as raw material so as to restrict the increased dependence of imported gold
Since India is one of the biggest consumers of the yellow metal, the approved scheme will help the nation
unlock the gold kept in households and bring it in the investment platform for consumers benefit. The
scheme will be a big boost, reducing gold imports, in turn lowering the current account deficit.
Gold bond scheme
In sovereign gold bond scheme, instead of buying gold in physical form investors can park their money in
bonds which are backed by gold. The bond has more or equal advantage against the physical gold. The Bonds
will be issued on payment of money and would be linked to gold prices. The bonds will be issued by RBI on
behalf of the Government of India. It is restricted for Indian entities and the maximum allowable limit is 500
grams per person per year. The government will issue bonds with an appropriate rate of interest and which
shall be payable in terms of grams of gold. Banks/NBFCs/Post offices may be authorized to transact on these
bonds on behalf of the Government for a fee. The bonds will be available in various denominations and the
minimum tenor of the band could be around 5 to 7 years
More than 900 kgs gold mobilised so far. FE – 24.1.16

30. Swachh
Bharat
Abhiyan
Healthy
sanitation
practices
Waste
Management
More
Health
Awareness
More
Hygienic
Less
Illness
More
Productivity
Reduce
Subsidy
Increase
National
Income
More
Foreign
Tourist
More
Foreign
Currency
Swachh Bharat Abhiyan
Swachh Bharat Abhiyan is a national
campaign by the Government of India,
covering 4041 statutory towns, to clean the
streets, roads and infrastructure of the
country.
The campaign was officially launched on 2
October 2014 at Rajghat, New Delhi, where
Prime Minister Narendra Modi himself
cleaned the road.
The total expected cost of the programme is
Rs 62,009 crore, out of which the proposed
central assistance will be of Rs 14,623 crore.

31. Japan offers loan at 1% rate for India’s $15 billion bullet train
Japan has offered to finance India’s first bullet train, estimated to cost $15 billion, at an interest
rate of less than 1%, officials said, stealing a march on China, which is bidding for other projects
on the world’s fourth-largest network.
Tokyo was picked to assess the feasibility of building the 505km corridor linking Mumbai with
Ahmedabad.
Last month, China won the contract to assess the feasibility of a high-speed train between Delhi
and Mumbai, a 1,200km route estimated to cost twice as much. No loan has yet been offered.
Indian Aviation Industry
India will be the third largest aviation market by 2020. The report, called “India Aviation
Report”, has been prepared by KPMG and Ficci. It claimed that with 81 million trips, India’s
domestic aviation market grew over 20.3% in 2015 — the highest ever growth rate recorded in
the world. Indian carriers will require 1,610 aircraft over the next twenty years, European
plane maker Airbus announced on Thursday in its India market forecast. BS – 18.3.16
Air traffic up 24% in December 2016 to 95.50 lakh passengers.
Jan-Dec 15 – 8.10cr, Jan-Dec 16 – 9.90cr. Passengers growth rate 23.20%.
TOI– 18.01.17

32. Cost effective health care treatment in $
Treatment India Thailand Singapore UK US
Heart Bypass Graft Surgery 6000 7894 10417 19700 23938
Heart Valve Replacement 8000 10000 12500 90000 200000
Angioplasty 11000 13000 13000 - 31000 to 70000
Hip Replacement 9000 12000 12000 - 22000 to 52000
Bone marrow transplant 30000 - - 150000 250000 to 400000
Liver Transplant 40000 to 69000 - - 200000 300000 to 500000
Neurosurgery 800 - - - 29000
Knee surgery 2000 to 4500 8000 - 12000 16000 to 20000
Cosmetic surgery 2000 3500 - 10000 20000
Why
India?
Low Cost
Less
Waiting
Time
World
Class
Quality
Personalized
services
Rich
Cultural
Heritage
Why Medical Tourism in India?
Indian medical tourism
industry will attract 32 lakhs
foreign patients and its value
will be Rs.10,800 crores by
2015 due to India’s world class
medical benefit and skilled
medical workforce.
India’s slogan for
Medical Tourism
"First World
treatment' at Third
World prices"

33. River linking project
The idea began as a scheme to link the Ganga and Cauveri in 1834 by Sir Arthur Cotton, the builder of the Godavari
and the Krishna dam. The project was initially expected to begin in 2007 and end by 2016 at an estimated cost of
Rs.5.6 lakh crores at 2002 prices. Himalayan component 14 link canals, Peninsular component 16 link canals, total
12000 kms of link canals.
Advantages – In 2050 approximate new 146 million hectares irrigated areas will be added; 30000 MW hydro power
will be generated; Flood and drought control will be done; Increase in domestic and industrial water supplies;
Navigation; Pollution control.
The Krishna-Godavari linking project is the India's first river linking project. The project cost Rs 1,300-crore. BS –
17/9/15
Kalpasar project
Kalpasar dam is in Gujrat. The approximate length is 30 kms, 100 metres wide, 10 lane road plus railway, reserver area
2000 sq.kms, reduction of distance Bhavnagar – Dahej 200 kms, Bhavnagar – South Gujrat 225 kms, 10.54 lakh
hectare land will be irrigated, solar and wind power, tourism, fisheries. As per 1998 cost was Rs.53000 crores.
Dedicated department is Kalpasar Department.
NSDC Project
In 2008-09 budget Finance Minister announced the formation of National Skill Development Council. The purpose of
this council to train 500 million people by 2022 to fill up the industry demand.
Financial Inclusion
Only 40% population have bank accounts. Government had taken initiative for banking facilities to all habitations that
have population of more than 1600 people. India has more than 600000 villages, towns and cities and only 30000
bank branches.
Banks have opened 20.19 crore accounts under the government's ambitious financial inclusion scheme Pradhan
Mantri Jan Dhan Yojana with deposit of more than 30,000 crore. More than half have activated their RuPay cards.
Daily transactions number increasing steadily to about 27 lakh, according to NPCI data. The average transaction value
is about 2,000. The ministry said Rupay cards have been issued to 16.51 crore customers and that two lakh accounts
are opened every day. The ministry statement also noted that zero balance accounts in PMJDY have declined from
76% in September 2014 to 36.5% in November 2015., the largest financial inclusion scheme in the world. Prime
Minister Narendra Modi had launched this ambitious scheme of financial inclusion on August 28, 2014. ET –
16/12/15, THBL – 22/1/16

34. Dedicated Freight Corridor project
This project was initiated on April 2005 and deadline was 2016-17. Eastern freight corridor project of 1839 kms from
Dancuni, West Bengal to Ludhiana, Punjab. Western Corridor of 1483 kms from J.N.P.T, Mumbai to Rewari, Hariyana.
The project will be connected to Pipavav, Mundra, and Kandla port in Gujrat. The project cost is Rs 81,459 cr. DFC will
be completed in phases between 2017 and 2019.
Feature Existing Dedicated Freight Corridor
Height
Container Stack
Train length
Train Load
Maximum Speed
Single Stack
7.1 m for Western DFC
5.1 m for Eastern DFC
Double Stack

35. Direct
Benefits
Transfer
Education
Health
Infrastructure
Welfare
Activity
Direct Benefits Transfer Fund Manager for EPF
Infrastructure Investment
India will invest Rs.50,00,000 crores for 12th
Five-year plan in Infrastructure from 2012-17.
From July 2008, EPFO had appointed private fund managers to
manage its member’s deposits. This contract will be renewed
after every three years. Before that, SBI was the only fund
manager since its inception 1952.
5 fund managers - SBI, HSBC AMC, Reliance Capital, ICICI
Securities Primary Dealership and UTI AMC– had been
appointed to manage the corpus of Rs 8.5 lakh crores as on Mar
15 for a three-year term, starting April 1, 2015..
Equity Investment by EPF
EPFO on 7/8/15 announced it will invest up to Rs 5,000 crore –
5% of its incremental deposits – in equity markets through
exchange traded funds. he money will be invested through
exchange traded funds (ETFs) and the limit for the current year
will be 5 per cent of the incremental deposits. EPFO funds will be
invested through SBI Nifty exchange-traded fund (ETF) and SBI
Sensex ETF managed by SBI Mutual Fund. Close to 75 per cent of
the funds will be invested in NSE ETF and the balance 25 per
cent in BSE ETF. The investment ratio may alter and EPFO may
also choose to invest in the government’s CPSE ETF. There is
scope of further increasing EPFO’s corpus to maximum 15%. As
the EPFO gets around Rs 1,00,000-1,20,000 crore as incremental
deposits every year, ETF investment can go up to Rs 15,000-
20,000 crore.

36. Metro Rail
City Length (KM) Cost in crores
Bangalore 93 26,383
Chennai 45 18,000
Delhi 190 30,571
Ahmadabad 219.45 12,000
Hyderabad 71.16 12,132
Jaipur 32.5 8,250
Kanpur 158 10,000
Kochi 27 6,000
Kolkata 125 25,000
Mumbai 149 36,000
Pune 100 30,000
New Pension System (NPS)
Government employees: New Pension Scheme has been made
compulsory for all the Central Government employees who had joined
the service on or after 1st Jan, 2004 (except armed force). 10% of the
salary and DA has to be contributed both by the employee and the
government. It has been regulated by the Pension Fund Regulatory and
Development Authority (PFRDA). In the year 2007-08, three sponsors –
LIC, SBI Mutual Fund and UTI Mutual Fund - were appointed to
manage the funds of NPS.
For all citizens: From 1st May 2009, NPS has been made available to all
Indian citizens. For non-government employees, there is no
contribution from the government. For all citizens, six pension fund
managers - SBI Pension Funds, UTI Retirement Solutions, IDFC Pension
Funds, ICICI Prudential Pension Funds, Kotak Mahindra Pension Fund
and Reliance Capital Pension Fund - had been appointed to manage
the fund. According to the NPS investment guideline, there will be
three asset classes – index equity fund, government securities and
bonds issued by institutions other than Central & State governments.
If the subscriber does not specify the percentage of asset allocation,
then his investment will be according to an automatic asset option.
This automatic asset option is based on the subscriber’s age. NPS
corpus including APY Rs.1,00,275 crores with more than 1 cores
subscribers as on 3/10/15.
Pradhan Mantri Jan Suraksha
In five months since launch, the Pradhan Mantri Jan Suraksha Yojana has 117 million policy holders. Launched on May
9, it has a term insurance scheme, the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), and an accident insurance
one, Pradhan Mantri Suraksha Bima Yojana (PMSBY).
http://www.business-standard.com/article/finance/pradhan-mantri-jan-suraksha-schemes-get-117-million-enrolments
115101600041_1.html

37. In future, we may get extra tax benefit for solar power, rain water harvesting, water
recycle, waste garbage recycle, credit card use.
Financial Literacy
Government is seriously thinking to introduce financial literacy in school level. So that the future investor will be fully
equipped with proper financial knowledge. The Pocket Money program is developed by NISM to teach basic financial
knowledge to school students from class 8 onwards. The National Centre for Financial Education (NCFE) is conducting
national level test “National Financial Literacy Assessment Test” (NCFE-NFLAT) for school students from classes 8 to 10.
The objective of NCFE is to create more awareness of financial literacy and inclusion in India in.
Digital India
Make in India
Make in India is an initiative of the Government of India to encourage multinational, as well as domestic, companies to
manufacture their products in India. It was launched by Prime Minister Narendra Modi on 25 September 2014. India
would emerge, after initiation of the programmed in 2015, as the top destination globally for foreign direct investment,
surpassing the People's Republic of China as well as the United States. The major objective behind the initiative is to
focus on job creation and skill enhancement in twenty-five sectors of the economy.
In an order to create participative, transparent and responsive government, Prime Minister Narendra Modi launched the
much ambitious 'Digital India' programme on Wednesday, July 1, at the Indira Gandhi Indoor Stadium in the national
capital. With the launch of Digital India programme, the government is taking a big step forward to transform the
country into a digitally empowered knowledge economy. Includes various schemes worth over Rs 1 lakh crore like Digital
Locker, e-eduction, e-health, e-sign and national scholarship portal. BharatNet in 11 states and Next Generation Network
(NGN), are also a part of Digital India campaign. The programme includes projects that aim to ensure that government
services are available to citizens electronically and people get benefit of the latest information and communication
technology. The Ministry of Communications and IT is the nodal agency to implement the programme.

39. Wining Formula
Investing without knowing the details
OR
Knowledge Confidence Conviction
AND
Invest with knowing the details
The choice is yours

40. What people are saying about me?
Joydeep Sarkar, Account Manager, TCS BaNCS (Insurance Solution)
Biswajit provides a very personalized service as compared to the large financial houses providing financial advisory
services. The analysis and findings are very useful and derived based on tailored process and discussions. Biswajit also
provides recommendations that you could consult. Overall, quite satisfactory.
Arnab Mitra, Senior Architect at Cognizant Technology Solutions
Mr. Das is very detail oriented, knowledgeable person, who not only focuses on specific needs of different types of
customer but also educates customer on latest happenings in financial world. He tries to guide in a simple form of
translation, and he is very specific on what he is translating, sharing. This kind of service , something , hardly we get
from any financial planner institute.
Sourav Roychowdhury, Associate Manager at Accenture
Life’s Goal Planning is a very important decision in today's life. A proper planning can make life bit easy and stress free. But it’s
not that simple as it looks and never interests me that much. So I was looking for someone who is expert in this area but at the
same time is not one who only means business. And during this time I happened to come across Biswajit. After having couple of
discussion with him over phone without any physical meeting because we are from different city. I understood that I am in big
soup. Although I started late but still time is there to come to pace. His thorough analysis and statistics made my task easier to
take prompt & right decisions. I would like to thank Biswajit for his non biased guidance to achieve my Life’s Goal Planning and
strongly recommend him for the work he does best.
Abhishek Majumder, Computer Programmer Analyst at Persistent Systems
Biswajit has two vital characteristics like sincerity and knowledge which are most essential in this finance world. Sometime, I
astonished to see how one man can so up to date about all news and fundamental things and not only that he always guides his
Investors through those in a simple manner. When I start working with him, I was abroad, and we had done all the work related
to start an investment at that time, I was amazed to see how he cut the thousands of miles of distance with his accurate paper
work, it looked like I was sitting beside him and doing the initial paper work. Some of his strategies regarding Investment are
great and hard to find from any financial body. He is very particular to his Investor's needs and investment capacity and based
on those he always try to build a diversified portfolio and all the time he came up with good result. It is nice to work with him
and his knowledge.