Offering Best Rate of interest on Products
FD,RD,MIS,Secured NCD ( redeemable)
Double Money in 63 Monthe of SINGHLAND NCD, Subscribe fast and chance to win 24 Carat Gold Coin
Market Research Reports, Inc. has announced the addition of “Gold Loan Market in India 2016 - 2020" research report to their offering. See more at: http://mrr.cm/JWR
Details as on year end 2017 and 2016
1. Capital of the bank
2. Loan portfolio details (means exposure to different types of loans)
3. Different types of loans made available at the bank with rate of interest if possible
4. Details of NPA, restructured loans, loans in dispute
5. Story of any major scams if at all
Market Research Reports, Inc. has announced the addition of “Gold Loan Market in India 2016 - 2020" research report to their offering. See more at: http://mrr.cm/JWR
Details as on year end 2017 and 2016
1. Capital of the bank
2. Loan portfolio details (means exposure to different types of loans)
3. Different types of loans made available at the bank with rate of interest if possible
4. Details of NPA, restructured loans, loans in dispute
5. Story of any major scams if at all
For the past three decades India’s banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons of India’s growth process.
A report on a summer internship at SHCIL (Indore Branch). The objective is to analyse customer investment preferences and determine the current trends in various age and income groups.
Different
components of the financial system and
their functions
Financial markets - primary and
secondary markets; OTC and exchange
markets; and equity and debt markets.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
Know more: https://www.synapseindia.com/technology/mean-stack-development-company.html
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
Memorandum Of Association Constitution of Company.pptseri bangash
www.seribangash.com
A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
Contents of Memorandum of Association:
Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
https://seribangash.com/article-of-association-is-legal-doc-of-company/
Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
www.seribangash.com
Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
https://seribangash.com/promotors-is-person-conceived-formation-company/
Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
https://seribangash.com/difference-public-and-private-company-law/
Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
Business Valuation Principles for EntrepreneursBen Wann
This insightful presentation is designed to equip entrepreneurs with the essential knowledge and tools needed to accurately value their businesses. Understanding business valuation is crucial for making informed decisions, whether you're seeking investment, planning to sell, or simply want to gauge your company's worth.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
1. SINGHLAND INVETMENTS LIMITED
R B I L i c e n s e N o : A . 0 6 . 0 0 2 2 7 ( N B F C )
H.O. : 2 0 8, 2 nd Floor , Syall Complex, Above HD FC
Bank, Gill Road, L udhiana - 1 41 0 03
SINGHLAND
w w w . s i n g h l a n d . i n
Contactsinghland@gmail.com
2. H . O . : 2 0 8 , 2 n d F l o o r, S y a l l C o m p l e x , A b o v e H D F C B a n k , G i l l R o a d , L u d h i a n a - 1 4 1 0 0 3
SINGHLANDGroup of Companies
1 . S I N G H L A N D I n v e s t m e n t s L i m i t e d
2 . S I N G H L A N D R e a l E s t a t e & I n f r a t e k L i m i t e d
3 . S L I M f g . & S a l e s C o r p .
4 . S L I F I N M A R T
5 . S I N G H L A N D D a i r y F a r m s
3. V I S I O N
Chairman Message : The pace of transformations in the global economy and unprecedented economic and technological challenges
encountered by the business world has given rise to great opportunities for evolving of newer methodologies and innovative goals of
knowledge-sharing in the field of management. With companies’ growing awareness of emerging opportunities as well as a potential
competitive threat, they are increasingly looking for management experts, who with their foresighted fresh insights and innovative ideas
can develop strategies for sustainable growth.
We are keen to attract and retain the best people/ caliber, build brand value and deepen relationships with partners, customers and
shareholders. Our mission is to deliver high-quality, cost-effective projects on schedule by employing and supporting motivated, flexible,
and focused teams. We value the importance of our relationships and will continue to remain fair and true in our dealings with all
employees, customers, vendors, and partners.
We are very proud of our achievements and accomplishment till date and we are planning for ambitious targets to achieve in the near
future.
M i s s i o n
Our Mission is set for Bank license in the coming Years. We have set Plan to expand our Branch Strength pan India.
Value our Customer and Employees are our prime Target.
4. SINGHLAND Investments Limited is registered under MCA since 1974
SINGHLAND Investments Limited is Licensed from RBI to accept Public Deposits
SINGHLAND Investments Limited – RBI License No: A.06.00227 ( Deposit Taking )
SINGHLAND Investments Limited overtake BABA FINANCE ( NBFC) in 2005
SINGHLAND Investments Limited is 42 years old, Prior company deals in finance
SINGHLAND Investments Limited (NBFC) has worth of 500 crores till 2014.
SINGHLAND Investments Limited has its reach in Punjab, Himachal, Haryana, MP, UP
SINGHLAND Investments Limited deals in Banking Business ( NBFC ),Term Deposit, Auto Finance ,
Personal Loan
C o m p a n y S t r e n g t h s
H . O . : 2 0 8 , 2 n d F l o o r, S y a l l C o m p l e x , A b o v e H D F C B a n k , G i l l R o a d , L u d h i a n a - 1 4 1 0 0 3
7. Classification of NBFCs
A s s e t F i n a n c e C o m p a n y
• E q u i p m e n t L e a s i n g
• H i r e P u r c h a s e F i n a n c e
I n v e s t m e n t s C o m p a n y
L o a n C o m p a n y
C o r e I n v e s t m e n t s C o m p a n i e s
I n f r a s t r u c t u r e F i n a n c e C o m p a n i e s
F a c t o r
M i c r o F i n a n c e I n s t i t u t i o n s
I n f r a s t r u c t u r e D e b t F u n d s
Mainly there are following types of NBFCs
8. Ministry of Finance
NBFIs
Regulated by
RBI
1. AFCs
2. LCs
3. Ics
4. IFCs
5. CICs
6. IDF-NBFC
7. NBFC-MFIs
8. Factoring
9. MGCs
10. RNBCs
Regulated
by NHB
Housing Finance
Companies
Regulated by
SEBI
1. Merchant
Banking
Companies
2. Venture
Capital Fund
Companies
3. Stock Broking
4. Collective
Investments
Schemes
Regulated by
MCA
1. Nidhi
Companies
2. Mutual Benefit
Companies
Regulated by
State Govt.
Chit Fund
Companies
Regulated by
IRDA
Insurance
Companies
9. Types of Entities other than NBFIs
Unincorporated
Bodies(UIBs)
Enforced by
State Government
Limited Liabilities
Partnership Firms
(LLPs)
Regulation,
Supervision &
Enforcement by MCA
Co-operative Societies
Regulation & supervision by egistrar of Co-op Soc. (RCS)
Credit Co-operatives
Operation Confined to Members Only
Regulated & Supervised by RCS
Primary (Urban) Co-operative Banks
Regulated & Supervision of banking related activities by RBI
Governance, management, audit, staff matters, registration,
liquidation etc. With RCS
State & District Co-op. Banks
Regulated & of banking related activities by RBI
Supervision by NABARD
Governance, management, audit, staff matters, registration, liquidation
etc. With RCS
Multi State Co-operative
Societies
Regulation & supervision by Central Registrar of Co-op
Soc. (CRCS)
Credit Co-operatives
Operation Confined to Members Only
Regulated & Supervised by CRCS
Governance, management, audit, staff matters,
registration, liquidation etc. With CRCS
Primary (Urban) Co-operative Banks
Regulated & Supervision of banking related activities by RBI
Governance, management, audit, staff matters, registration,
liquidation etc. With RCS
10. R B I G u i d e l i n e s f o r N B F C
1. In terms of Section 45-IA of the RBI Act, 1934, no Non-banking Financial company can commence or carry on business of a non-
banking financial institution without a) obtaining a certificate of registration .
2. All NBFCs are not entitled to accept public deposits. Only those NBFCs to which the Bank had given a specific authorization are
allowed to accept/hold public deposits.
3. NBFC maintaining required minimum NOF,/Capital to Risk Assets Ratio (CRAR)
4. The NBFCs are allowed to accept/renew public deposits for a minimum period of 12 months and maximum period of 60 months.
They cannot accept deposits repayable on demand.
5. NBFCs cannot offer interest rates higher than the ceiling rate prescribed by RBI from time to time. The present ceiling is 12.5 % /
P.A.
“ AFC* maintaining CRAR of 15% without credit rating ”
Name of Rating Agencies Nomenclature of minimum investment grade credit rating
CRISIL FA- (FA MINUS)
ICRA MA- (MA MINUS)
CARE CARE BBB (FD)
FITCH Ratings India Pvt. Ltd. tA-(ind)(FD)
Brickwork Ratings India Pvt. Ltd. BWR FA (FD)
11. “ Both are Financial Intermediaries ”
Banks Can
Maintain Demand Deposits
(savings/current Accounts)
Form a Part of Payment
and Settlement Mechanism
NBFCs Can
Accept only term Deposits
Does not form Part of Payment and
Settlement Mechanism
12. 58 42 Chandigarh Nawanshahr Finance Ltd. Chowk Shastri Market, Jalandhar City, , , 144001
59 43 Chandigarh Novelty Finance Ltd Near Bhagat Singh Chowk, Patiala Road, Patran, Distt.-Patiala, 147105
60 44 Chandigarh P. H. F. Finance Ltd 923, G.T. Road, Urban Estate, Jalandhar , 144001
61 45 Chandigarh P. H. F. Leasing Ltd 923 G T Road, , , Jalandhar, 144001
62 46 Chandigarh P. K. F. Finance Ltd. Balbir Tower, G.T. Road, PKF Namdev Chowk, Jalandhar, 144001
63 47 Chandigarh P.H.F Hire Purchase Ltd 923, G.T. Road, Jalandhar City, -, Jalandhar,
64 48 Chandigarh P.H.F. Investments Ltd 923, G T Road, Jalandhar, Jalandhar, 144001
65 49 Chandigarh Paramvir Leasing & Finance Ltd. 36-Gobind Niwas, G. T. Road,, Jalandhar, -, -, 144001
66 50 Chandigarh Punjab Kashmir Finance Ltd Balbir Tower, G.T. Road, PKF Namdev Chowk, Jalandhar, 144001
67 51 Chandigarh Ramir Finance & Leasing Co. Ltd. 11-Guru Nanak Market, ?Opposite Lic Office, Shashtri Nagar, Batala, Distt. Gurdaspur, 143505
68 52 Chandigarh S. C. F. Finance Ltd 228, 1St Floor, Janakpuri Chowk, Link Road, Industrial Area-A, Ludhiana, 141003
69 53 Chandigarh Sagar Deposits And Advances Ltd Scf 272, 2Nd Floor, Motor Mrket, Manimajra Chandigarh, 160101
70 54 Chandigarh Sagar Motor Finance Ltd Plot No 1 New Gopal Nagar , Near H M V Chowk , -, Jalandhar, 144008
71 55 Chandigarh Samra Finance & Properties Ltd Gobind Niwas, 36- G. T. Road, Jalandhar City, Jalandhar, 144 001
72 56 Chandigarh Samra Leasing Ltd. Gobind Niwas, 36, G.T. Road, -, Jalandhar, 144001
73 57 Chandigarh Sea Lord Hire Purchase Ltd Near Radha Soami Satsang Ghar, Roshan Road, , Model Town, Roshan Road, Hoshiarpur, 146001
74 58 Chandigarh Sheikh Farid Finvest Ltd B-X/1283. Faridkot Road, Kotkapura, Dist--Faridkot, Faridkot, 151204
75 59 Chandigarh Shine Blue Hire Purchase Ltd 22-B , Guru Nagar, Model Town, Jalandhar, 144001
76 60 Chandigarh Singhland Investment Ltd.Formerly Known As Baba Finance Ltd 208, Syal Complex, Gill Road, Millerganj, Ludhiana, 141001
77 61 Chandigarh Skylark Deposits & Advances Ltd. 33 Near Improvement Trust office, Lal Bahadur Shastri Complex, Ferozepur Road, Moga, 142001
78 62 Chandigarh Skylark Motor & General Finance Ltd Near S D M Court, G T Road, -, Moga, 142001
79 63 Chandigarh Sukh Chain Finance Co. Ltd Building 284, First Floor, Hospital Road, , Lashkar, Gwalior, 474001
80 64 Chandigarh Sukh-Bans Finance Co Ltd 9-B S D College Road , Bhai Sohan Singh Market, -, Jalandhar, 144001
81 65 Chandigarh DPGC Finance Ltd. (Formerly known as Swami Hire Purchase Ltd.) NN 4, , Patel Chowk, -, Jalandhar, 144008
82 66 Chandigarh Swarn Finance Ltd. 324, Iind Floor, Sangam Complex, Milap Chowk, Jalandhar,
83 67 Chandigarh Thakar Investments Ltd Opp Mini Secretariat, Hamirpur, H.P., Hamirpur, 177001
84 68 Chandigarh The Jullundhar Hire Purchase Ltd. # 769 , Mota Singh Nagar Market, -, Jalandhar, 144001
85 69 Chandigarh Virk Hire Purchase Ltd 88 Kapurthala Road , -, -, Jalandhar, 144001RBI NBFC LIST
24. An NCD is a fixed-income debt paper issued by a company. In other words, the issuer agrees to pay a fixed interest on
your investment. As the name suggests, these debentures cannot be converted into shares of the issuing company
like convertible debentures where investors have the option of getting shares in the issuing company on conversion.
An NCD can be both secured as well as unsecured. For secured debentures, which are backed by assets, in case the
issuer is not able to fulfill its obligation, the assets are liquidated to repay the investors holding the debentures.
Any Indian company can raise money through NCDs if it has a tangible net worth of at least Rs 4 crore and has been
sanctioned loans by banks or financial institutions which is classified as 'standard asset' and not as bad debt.
NCD Vs BANK DEPOSIT: NCD is better than a bank fixed deposit because the interest differential is quite significant
which comes at just a slightly higher risk. The risk-return ratio is in favour of NCDs," Currently, bank fixed deposits are
offering an interest of 9-10% for a tenure of one to five years. In contrast, the recently concluded SINGHLAND NCD
(Secured ) offered 14.15 % for 63 Months , 13.45% for 36 Months and 12.85% for 18 Months individuals.
"A bank fixed deposit or savings certificates issued by the postal department is for a maximum of five to seven years.
In contrast, NCDs are available from two years to as much as 20 years. You can use long-tenure NCDs to create a
retirement corpus. SBI Bonds issued in February 2011 offered 9.25% for a tenure of 10 years and 9.5% for 15 years.
TAX IMPLICATIONS: Interest earned through NCDs, if held until maturity, is clubbed with your income and taxed at
your marginal income tax rate. If you sell your NCDs on the stock exchange before a year then you will have to pay
short-term capital gains at income-tax rates applicable to you. If the debenture is encashed after one year but before
its maturity, you will have to pay capital gains tax on the effective return.
What is NCD: Non-Convertible Debentures
25. SINGHLAND INVETMENTS LIMITED
NCD : Non - Convertib le Deb entu res ( Red eemab le )
1 8 M o n t h s 3 6 M o n t h s 6 3 M o n t h s
1 2 0 0 0 0 1 4 6 0 0 0 2 0 0 0 0 0
4 8 M o n t h s 7 2 M o n t h s
1 0 0 0 (Monthly Interest * 48 Months) 1 1 0 0 (Monthly Interest * 72 Months)
1 0 1 0 0 0 (Maturity+ Bonus) 1 0 2 0 0 0 (Maturity + Bonus)
S u b s c r i p t i o n C l o s e d o n t i m e o n t i m e * C o n d i t i o n s A p p l y *
26. T h e r e i s s p e c i a l M a t u r i t y B e n e f i t s f o r S e n i o r C i t i z e n , A r m y P e r s o n s a n d G i r l C h i l d b e l o w a g e 1 8
Army Persons
Girl Child Below Age 18
Senior Citizen 0.70 % Extra Maturity Benefit
0.60 % Extra Maturity Benefit
0.50 % Extra Maturity Benefit
P r e - M a t u r i t y i s o n l y p o s s i b l e a f t e r h a l f o f t h e t e r m p a s s e d o f Te r m D e p o s i t
I n P r e - M a t u r i t y R a t e o f I n t e r e s t w i l l b e g i v e n 5 % F l a t o n I n v e s t e d A m o u n t
27. Sale : SINGHLAND Representative define the Product Specification.
Maturity : SINGHLAND deliver maturity as per Term Deposit Bond.
Bond : SINGHLAND issued Bond on the same day as per Payment mode.
M a t u r i t y f r o m a n y SIN GH LAN D B r a n c h
30. How to Invest ?
A g e
B e t w e e n
G u a r a n t e e S a f e R i s k
2 0 - 3 5 4 0 % 3 0 % 3 0 %
3 5 - 4 5 5 0 % 3 0 % 2 0 %
4 5 - 5 5 7 0 % 2 0 % 1 0 %
5 5 - 9 0 % 1 0 % 0 %
S a v i n g D i v e r s i f i c a t i o n a s p e r A g e
31. I n t e r e s t C o m p a r i s o n
Institution FD MIS RD
Bank 6% to 9.50% 7 % to 7.50% 5 % to 7.50%
Post Office 6% to 9.50% 6% to 8 % 5% to 7%
SINGHLAND
12 %12% to
12.50% 12 %
33. FD RD MIS
137500 143130
75000
142500 146230
80000
181000 170100
100000
Bank
Post Office
SINGHLAND
34. I n v e s t m e n t O p t i o n s
Property
Capital Risk Returns
Time Gaurantee
Gold
Capital Risk Returns
Time Gaurantee
Open Market
Capital Risk Returns
Time Gaurantee
C a p i t a l i s a l w a y s a t R i s k a n d N o G u a r a n t e e o f R e t u r n s i n P r o p e r t y, G o l d , O p e n M a r k e t
35. Share Market , Mutual Funds
0
20
40
60
80
100
120
140
Amount
Open
High
Low
Close
0
20
40
60
80
100
120
140
Amount
Open
High
Low
Close
Capital is always at Risk and No Guarantee of Returns in Share Market and Mutual Funds