This document summarizes investment options for a client looking to invest Rs. 350,000 for one year with a high risk tolerance. It analyzes three potential investments: a fixed deposit, gilt mutual fund, and equity investment. It provides details on interest rates, risks, and projected returns for each option, with the equity investment in Oracle Financial Services Limited projecting the highest return of 24.19% despite also carrying the highest risk. The document recommends the equity investment option based on the client's risk profile and goal of seeking profit over safety of principal.

1. BATCH CODE : PGDBM
NOI01AA0815
Faculty Name: Mr. Rakesh Mathur. Participants:-
Abhinay Mehrotra
E14CC1020091
Himanshi Singh
E14CC1019243
Sonakshi Singha

3. • MOTIVE- INVESTMENT
• AMOUNT - Rs350000
• RISK – HIGH (AGGRESSIVE INVESTOR)
• KEY INTEREST-INTEREST/ PROFIT
• IMPORTANT CONSIDERATIONS :-CRR/SLR, FUNDS &
BONDS ,RISK ISSUES
• THREE PRODUCTS WE WOULD SUGGEST :-
FIXED DEPOSIT
GILT FUNDS
EQUITY

4. INTEREST
RATE
TENURE
RISK

5. Name Value
CRR(cash Reserve Ratio) 4.00% (wef 09/02/2013) -announced on
29/01/2013
SLR( Statutory Liquidity
Ratio )
21.50%(w.e.f. 07/02/2015)(announced on
03/02/2015)
REPO RATE 7.25%(w.e.f. 02/06/2015)
Reverse Repo Rate 6.25%(w.e.f. 02/06/2015)

6. WHAT ARE FIXED DEPOSITS?
•One time payment of investment.
•For a fixed tenure (minimum 7 days to maximum 10 years.)
•Usually at a rate of fixed deposit
•TDS is applicable. However, interest from FD is not tax free
• Income tax is to be paid on interest earned at the rate of tax slab of the
FD holder.

7. AS ON 5-JUNE-
2015

8. Name Value
Name PNB HOUSING Finance Limited
Amount Rs. 3,50,000.
Time Period 1 Year
INTEREST RATE 12.65%
TOTAL MATURED Amount Rs. 3,82,000.(inflation not accounted)
RISK Low Risk
AS ON 5-JUNE-
2015

9. A mutual fund that invests in several different types
of medium and long-term government securities in
addition to top quality corporate debt.
Gilt funds differ from bond funds because bond
funds invest in corporate bonds, government
securities, and money market instruments. Gilt
funds stick to high quality-low risk debt, mainly
government securities.

10. ICICI Prudential GILT MUTUAL FUNDS
AS ON 5-JUNE-2015

11. Name ICICI Prudential GILT MUTUAL
FUNDS
Amount RS 3,50,000.
Time 1 Year
Return % 12.65%
Risk High Risk
Total amount Rs. 3,94,275

12. • A stock or any other security representing an ownership
interest.
• On a company's balance sheet, the amount of the funds
contributed by the owners (the stockholders) plus the
retained earnings (or losses)

14. Name Oracle financial Services Limited

15. Name Oracle financial Services Limited
Amount RS 3,50,000.
Time 1 Year
Return % 24.19%
Risk High Risk
Total amount Rs. 434665.

16. BASIS Fixed Deposits MUTUAL FUND Equity
SCHEME PND HOUSING
FD
ICICI Prudential
GILT MUTUAL
FUNDS
Oracle financial
Services Limited
AMOUNT (IN
INR)
3,50,000 3,50,000 3,50,000
TIME 1 YEAR 1 YEAR 1 YEAR
RISK LOW MEDIUM HIGH
%INTEREST 9.15 12.65 24.19
FINAL AMOUNT 3,82,000 3,94,275 4,34,665

17. WE SUGGEST

18. • http://smartinvestor.business-standard.com
• http://www.google.com
• http://businesstoday.intoday.in
• http://www.moneycontrol.com
• http://www.indiainfoline.com
• http://economictimes.indiatimes.com
• http://bankbbazaar.com