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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
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
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.
 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
SINGHLAND
Legal Docs
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
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
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
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)
“ 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
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
P a p e r N e w s
Deposit
Amount
M A T U R I T Y
1 Year 2 Year 3 Year & 6 Months 5 Year
₹ 5 , 0 0 0 ₹ 5 , 6 0 0 ₹ 6 , 2 8 5 ₹ 7 , 5 0 0 ₹ 9 , 0 5 0
₹ 10,000 ₹ 11,200 ₹ 12,570 ₹ 15,000 ₹ 18,100
₹ 50,000 ₹ 56,000 ₹ 62,850 ₹ 75,000 ₹ 90,500
₹ 100,000 ₹ 112,000 ₹ 125,700 ₹ 150,000 ₹ 181,000
₹ 500,000 ₹ 560,000 ₹ 628,500 ₹ 750,000 ₹ 905,000
₹ 1,000,000 ₹ 1,120,000 ₹ 1,257,000 ₹ 1,500,000 ₹ 1,810,000
₹ 2,500,000 ₹ 2,800,000 ₹ 3,142,499 ₹ 3,750,000 ₹ 4,525,000
₹ 5,000,000 ₹ 5,600,000 ₹ 6,284,998 ₹ 7,500,000 ₹ 9,050,000
₹ 10,000,000 ₹ 11,200,000 ₹ 12,569,995 ₹ 15,000,000 ₹ 18,100,000
Deposit
Amount
For 3 Years For 5 Years
Monthly Income Maturity Amount Monthly Income Maturity Amount
₹ 5 0 , 0 0 0 ₹ 4 5 0 ₹ 5 0 , 0 0 0 ₹ 5 0 0 ₹ 5 0 , 0 0 0
₹ 100,000 ₹ 9 0 0 ₹ 100,000 ₹ 1,000 ₹ 100,000
₹ 500,000 ₹ 4,500 ₹ 500,000 ₹ 5,000 ₹ 500,000
₹ 1,000,000 ₹ 9,000 ₹ 1,000,000 ₹ 10,000 ₹ 1,000,000
₹ 5,000,000 ₹ 45,000 ₹ 5,000,000 ₹ 50,000 ₹ 5,000,000
₹ 10,000,000 ₹ 90,000 ₹ 10,000,000 ₹ 100,000 ₹ 10,000,000
YEARLY INSTALLMENT TOTAL 3 Installments MATURITY AFTER 5 YEARS
₹ 1 0 , 0 0 0 ₹ 3 0 , 0 0 0 ₹ 4 6 , 5 0 0
₹ 2 0 , 0 0 0 ₹ 6 0 , 0 0 0 ₹ 9 3 , 0 0 0
₹ 3 0 , 0 0 0 ₹ 9 0 , 0 0 0 ₹ 1 , 3 9 , 5 0 0
₹ 4 0 , 0 0 0 ₹ 1 , 2 0 , 0 0 0 ₹ 1 , 8 6 , 0 0 0
₹ 5 0 , 0 0 0 ₹ 1 , 5 0 , 0 0 0 ₹ 2 , 3 2 , 5 0 0
₹ 1 , 0 0 , 0 0 0 ₹ 3 , 0 0 , 0 0 0 ₹ 4 , 6 5 , 0 0 0
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
Monthly Maturity
Monthly Add
Interest
Interest Rate
Monthly
12000
12000
12000
12000
12000
12%
12%
12%
12%
12%
1424
3017
4798
6791
9021
12000
25424
40440
57239
76030
13424
28440
45239
64030
85051
R D P l a n s ( 5 Ye a r s )
Deposit
Amount
I N S TA L L M E N T S M AT U R I T Y
Yearly
5
Half- Y
10
Quarterly 20 Monthly 60 Monthly Quarterly Half-Y Yearly
₹ 12,000 ₹ 2,400 ₹ 1,200 ₹ 600 ₹ 200 ₹ 16,200 ₹ 16,443 ₹ 16,605 ₹ 17,010
₹ 18,000 ₹ 3,600 ₹ 1,800 ₹ 900 ₹ 300 ₹ 24,300 ₹ 24,664 ₹ 24,907 ₹ 25,515
₹ 24,000 ₹ 4,800 ₹ 2,400 ₹ 1,200 ₹ 400 ₹ 32,400 ₹ 32,886 ₹ 33,210 ₹ 34,020
₹ 30,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 40,500 ₹ 41,107 ₹ 41,512 ₹ 42,525
₹ 60,000 ₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 81,000 ₹ 82,215 ₹ 83,025 ₹ 85,050
₹ 120,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 162,000 ₹164,430 ₹ 166,050 ₹ 170,100
₹ 180,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 243,000 ₹ 246,645 ₹ 249,075 ₹ 255,150
₹ 240,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹ 324,000 ₹ 328,860 ₹ 332,100 ₹ 340,200
₹ 300,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000 ₹ 405,000 ₹ 411,075 ₹ 415,125 ₹ 425,250
Deposit
Amount
I N S TA L L M E N T S M AT U R I T Y
Yearly
5
Half-Yearly
10
Quarterly
20
Monthly 60 Monthly Quarterly Half-Yearly Yearly
₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 13,000 ₹13,195 ₹ 13,325 ₹ 13,650
₹ 24,000 ₹12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 26,000 ₹ 26,390 ₹ 26,650 ₹ 27,300
₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 52,000 ₹ 52,780 ₹ 53,300 ₹ 54,600
₹ 72,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 78,000 ₹ 79,170 ₹ 79,949 ₹ 81,900
₹ 96,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹104,000 ₹ 105,560 ₹106,599 ₹ 109,200
₹ 120,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000 ₹130,000 ₹ 131,950 ₹133,250 ₹ 136,500
R D P l a n s ( 2 Ye a r s )
Deposit Per Month Invested Amount Maturity Amount
₹ 5 0 0 ₹ 6 , 0 0 0 ₹ 6 , 3 7 5
₹ 1000 ₹ 12,000 ₹ 12,750
₹ 2,000 ₹ 24,000 ₹ 25,500
₹ 3,000 ₹ 36,000 ₹ 38,250
₹ 4,000 ₹ 48,000 ₹ 51,000
₹ 5,000 ₹ 60,000 ₹ 63,750
₹ 10,000 ₹ 1,20,000 ₹ 1,27,500
R D P l a n s ( 1 Ye a r )
DEPOSIT DEPOSIT AMOUNT MATURITY 27 MATURITY 42 MATURITY 54
MONTHLY QUARTLY HALFYEARLY MONTHLY QUARTLY MONTHLY QUARTLY
HALF
YEARLY
MONTHLY QUARTLY
HALF
YEARLY27 42 54
200 600 1200 5400 8400 10800 6000 6090 10000 10150 10250 13700 13,906 14,043
300 900 1800 8100 12600 16200 9000 9135 15000 15225 15375 20550 20,858 21,064
400 1200 2400 10800 16800 21600 12000 12180 20000 20300 20500 27400 27,811 28,085
500 1500 3000 13500 21000 27000 15000 15225 25000 25375 25625 34200 34,713 35,055
1000 3000 6000 27000 42000 54000 30000 30450 50000 50750 51250 68500 69,528 70,213
2000 6000 12000 54000 84000 108000 60000 60900 100000 101500 102500 137000 139,055 140,425
3000 9000 18000 81000 126000 162000 90000 91350 150000 152250 153750 205500 208,583 210,638
4000 12000 24000 108000 168000 216000 120000 121800 200000 203000 205000 274000 278,110 280,850
5000 15000 30000 135000 21000 27000 150000 152250 250000 253750 256250 342500 347,638 351,063
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
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 *
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
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
SINGHLAND
BOND ISSUED COPY
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
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 %
Post Office SINGHLAND
7.20%
7.40%
7.60%
7.80%
8.00%
8.20%
8.40%
8.60%
FD
MIS
RD
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
FD
MIS
RD
Bank
FD RD MIS
137500 143130
75000
142500 146230
80000
181000 170100
100000
Bank
Post Office
SINGHLAND
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
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
contactsinghland@gmail.com

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Singhland Presentation

  • 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
  • 6.
  • 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
  • 13. P a p e r N e w s
  • 14.
  • 15. Deposit Amount M A T U R I T Y 1 Year 2 Year 3 Year & 6 Months 5 Year ₹ 5 , 0 0 0 ₹ 5 , 6 0 0 ₹ 6 , 2 8 5 ₹ 7 , 5 0 0 ₹ 9 , 0 5 0 ₹ 10,000 ₹ 11,200 ₹ 12,570 ₹ 15,000 ₹ 18,100 ₹ 50,000 ₹ 56,000 ₹ 62,850 ₹ 75,000 ₹ 90,500 ₹ 100,000 ₹ 112,000 ₹ 125,700 ₹ 150,000 ₹ 181,000 ₹ 500,000 ₹ 560,000 ₹ 628,500 ₹ 750,000 ₹ 905,000 ₹ 1,000,000 ₹ 1,120,000 ₹ 1,257,000 ₹ 1,500,000 ₹ 1,810,000 ₹ 2,500,000 ₹ 2,800,000 ₹ 3,142,499 ₹ 3,750,000 ₹ 4,525,000 ₹ 5,000,000 ₹ 5,600,000 ₹ 6,284,998 ₹ 7,500,000 ₹ 9,050,000 ₹ 10,000,000 ₹ 11,200,000 ₹ 12,569,995 ₹ 15,000,000 ₹ 18,100,000
  • 16. Deposit Amount For 3 Years For 5 Years Monthly Income Maturity Amount Monthly Income Maturity Amount ₹ 5 0 , 0 0 0 ₹ 4 5 0 ₹ 5 0 , 0 0 0 ₹ 5 0 0 ₹ 5 0 , 0 0 0 ₹ 100,000 ₹ 9 0 0 ₹ 100,000 ₹ 1,000 ₹ 100,000 ₹ 500,000 ₹ 4,500 ₹ 500,000 ₹ 5,000 ₹ 500,000 ₹ 1,000,000 ₹ 9,000 ₹ 1,000,000 ₹ 10,000 ₹ 1,000,000 ₹ 5,000,000 ₹ 45,000 ₹ 5,000,000 ₹ 50,000 ₹ 5,000,000 ₹ 10,000,000 ₹ 90,000 ₹ 10,000,000 ₹ 100,000 ₹ 10,000,000
  • 17. YEARLY INSTALLMENT TOTAL 3 Installments MATURITY AFTER 5 YEARS ₹ 1 0 , 0 0 0 ₹ 3 0 , 0 0 0 ₹ 4 6 , 5 0 0 ₹ 2 0 , 0 0 0 ₹ 6 0 , 0 0 0 ₹ 9 3 , 0 0 0 ₹ 3 0 , 0 0 0 ₹ 9 0 , 0 0 0 ₹ 1 , 3 9 , 5 0 0 ₹ 4 0 , 0 0 0 ₹ 1 , 2 0 , 0 0 0 ₹ 1 , 8 6 , 0 0 0 ₹ 5 0 , 0 0 0 ₹ 1 , 5 0 , 0 0 0 ₹ 2 , 3 2 , 5 0 0 ₹ 1 , 0 0 , 0 0 0 ₹ 3 , 0 0 , 0 0 0 ₹ 4 , 6 5 , 0 0 0
  • 18. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 Monthly Maturity Monthly Add Interest Interest Rate Monthly
  • 20. R D P l a n s ( 5 Ye a r s ) Deposit Amount I N S TA L L M E N T S M AT U R I T Y Yearly 5 Half- Y 10 Quarterly 20 Monthly 60 Monthly Quarterly Half-Y Yearly ₹ 12,000 ₹ 2,400 ₹ 1,200 ₹ 600 ₹ 200 ₹ 16,200 ₹ 16,443 ₹ 16,605 ₹ 17,010 ₹ 18,000 ₹ 3,600 ₹ 1,800 ₹ 900 ₹ 300 ₹ 24,300 ₹ 24,664 ₹ 24,907 ₹ 25,515 ₹ 24,000 ₹ 4,800 ₹ 2,400 ₹ 1,200 ₹ 400 ₹ 32,400 ₹ 32,886 ₹ 33,210 ₹ 34,020 ₹ 30,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 40,500 ₹ 41,107 ₹ 41,512 ₹ 42,525 ₹ 60,000 ₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 81,000 ₹ 82,215 ₹ 83,025 ₹ 85,050 ₹ 120,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 162,000 ₹164,430 ₹ 166,050 ₹ 170,100 ₹ 180,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 243,000 ₹ 246,645 ₹ 249,075 ₹ 255,150 ₹ 240,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹ 324,000 ₹ 328,860 ₹ 332,100 ₹ 340,200 ₹ 300,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000 ₹ 405,000 ₹ 411,075 ₹ 415,125 ₹ 425,250
  • 21. Deposit Amount I N S TA L L M E N T S M AT U R I T Y Yearly 5 Half-Yearly 10 Quarterly 20 Monthly 60 Monthly Quarterly Half-Yearly Yearly ₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 13,000 ₹13,195 ₹ 13,325 ₹ 13,650 ₹ 24,000 ₹12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 26,000 ₹ 26,390 ₹ 26,650 ₹ 27,300 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 52,000 ₹ 52,780 ₹ 53,300 ₹ 54,600 ₹ 72,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 78,000 ₹ 79,170 ₹ 79,949 ₹ 81,900 ₹ 96,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹104,000 ₹ 105,560 ₹106,599 ₹ 109,200 ₹ 120,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000 ₹130,000 ₹ 131,950 ₹133,250 ₹ 136,500 R D P l a n s ( 2 Ye a r s )
  • 22. Deposit Per Month Invested Amount Maturity Amount ₹ 5 0 0 ₹ 6 , 0 0 0 ₹ 6 , 3 7 5 ₹ 1000 ₹ 12,000 ₹ 12,750 ₹ 2,000 ₹ 24,000 ₹ 25,500 ₹ 3,000 ₹ 36,000 ₹ 38,250 ₹ 4,000 ₹ 48,000 ₹ 51,000 ₹ 5,000 ₹ 60,000 ₹ 63,750 ₹ 10,000 ₹ 1,20,000 ₹ 1,27,500 R D P l a n s ( 1 Ye a r )
  • 23. DEPOSIT DEPOSIT AMOUNT MATURITY 27 MATURITY 42 MATURITY 54 MONTHLY QUARTLY HALFYEARLY MONTHLY QUARTLY MONTHLY QUARTLY HALF YEARLY MONTHLY QUARTLY HALF YEARLY27 42 54 200 600 1200 5400 8400 10800 6000 6090 10000 10150 10250 13700 13,906 14,043 300 900 1800 8100 12600 16200 9000 9135 15000 15225 15375 20550 20,858 21,064 400 1200 2400 10800 16800 21600 12000 12180 20000 20300 20500 27400 27,811 28,085 500 1500 3000 13500 21000 27000 15000 15225 25000 25375 25625 34200 34,713 35,055 1000 3000 6000 27000 42000 54000 30000 30450 50000 50750 51250 68500 69,528 70,213 2000 6000 12000 54000 84000 108000 60000 60900 100000 101500 102500 137000 139,055 140,425 3000 9000 18000 81000 126000 162000 90000 91350 150000 152250 153750 205500 208,583 210,638 4000 12000 24000 108000 168000 216000 120000 121800 200000 203000 205000 274000 278,110 280,850 5000 15000 30000 135000 21000 27000 150000 152250 250000 253750 256250 342500 347,638 351,063
  • 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
  • 29.
  • 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
  • 36.

Editor's Notes

  1. SINGHLAND Investments Limited
  2. Group of Companies
  3. Vision
  4. SINGLAND Investments Limited Profile
  5. Legal docs
  6. NBFIs
  7. NBFC FAQs
  8. NBFIs
  9. NBFIs
  10. NBFIs
  11. NBFIs
  12. NBFIs
  13. Products
  14. Products
  15. Products
  16. Products
  17. Products
  18. Products
  19. Products
  20. Special Maturity Benefits
  21. Service of Company
  22. Bond Copy
  23. NBFIs
  24. Interest ( Simple & Compound, Monthly , HY,Qly,Yearly)
  25. Comparison with Bank / Post Office
  26. Comparison with Bank / Post Office
  27. Example
  28. Comparison with other financial Tools
  29. Comparison with Share Market , MFs
  30. Work Culture
  31. Thanks