Kindly confirm for ECS Mandate / Enclosure to be attach with Application Form as it differ From Bank to Bank

9% Senior Citizens

Documents Required : Original PAN Card & Address Proof alongwith Xerox Copy duly self attested.

th thPosted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month.

R.N.I. NO. : MAHENG/2001/5593POSTAL REGD. NO. : Tech–47/1416/MBI/09-11WPP LICENSE NO. : MR/Tech/WPP-206/North/09-11

QUALITY INVESTMENT UNDER ONE ROOF January - 2011PRICE Rs. 1/- Volume - X Issue - 1

PUBLICATION

Pages : 6 For Private Circulation Only II OM SHRI SAI RAM II

Contents Pg.

• 1

• Post Office Schemes / HDFC Premium Deposits. / Public Provident Fund(PPF) 2

• LIC Jeevan Akshay VI (Annuity) / HDFC Critical Care Plan 3

• HDFC Life (Crest) / Capital Gain Tax Exemption Bonds - U/S 54EC 4

• Mutual Fund Update / Systematic Investment Plan / Fixed Maturity Plans 5

• Fixed Deposit Scheme / KYC 6

9% Senior citizen / 8% Saving Bond / Platinum Deposit

Office No. 2, 1st Floor, R.N.A. Shopping Arcade, Lokhandwala Complex, Andheri (W), Mumbai - 53.

AMFI Certified Financial Advisor & IRDA Certified Insurance Consultant

QUALITY INVESTMENT UNDER ONE ROOF

Portfolio Designer for Insurance & Investments 91- 22 - 2633 8819 / 2635 0236 / 91- 22 - 2639 5714 Fax : 91- 22 - 2632 5363

Website : www. guptainvestments.com E-mail : gagan@guptainvestments.com

G

8% Saving Bond 2003 FEATURES : 8% TAXABLE BONDS

Documents Required :

• PAN Card & Address Proof Xerox Copy Required for SBI Bank &

• Pan Card & Address Proof Original Required

for AXIS Bank.

Cheque in favour of

“Respective BANK A/C - 8% Saving (Taxable) Bonds”.

SAFE WAY TO GET MORE

HDFC PLATINUM DEPOSITS

Interest rates are subject to change and the rate applicable

a) Senior Citizen (60 Yrs+) would be eligible for additional 0.25% p.a.

b) The above rates are applicable for deposit of below Rs. 1 crore.

c) Interest is compounded annually for cumulative interest plan.

d) Variable rate option is not available under this plan.

22 months 8.50% 8.55% 8.65% 8.80%

33 months 8.50% 8.55% 8.65% 8.80%

Minimum Amount (Rs.) 40,000 20,000 20,000 20,000

HDFC Platinum Deposit Plan offers Attractive Returns coupled w i th H ighes t Sa fe ty and Impeccable Service Standards. This plan is available for a

limited period only.

Rate of interest applicable for various options are given.

Dear Investor

“Happy New Year 2011”

Eligibility :

1) Age 60 years or above on the date of opening of account.

2) Age 55 years or more in case of VRS or beopened within 3 months from the date of retirement and a certificate from the employer should be submitted.

Deposit Amount : Minimum Rs.1,000/- and in multiple there of up to Rs. 15 Lacs (maximum)

Interest : @9% p.a. (Simple) payable quarterly as on 31st March, 30th June, 30 th September & 31st December. Interest is fully taxable.

Nomination : Facility is available even in joint accounts.

Premature Closer : A) Can be closed at any time after completion of one year from the date of open in the account (B) If closed before expiry of 2 years an amount equal to 1½ percent of deposit shall be deducted. (C) In case account is closed after 2 year but before maturity an amount equal to 1 percent of deposit shall be deducted.

Mode of Holding : Generally single, joint mode is permitted but ONLY with spouse.

Tax Benefit : Investment Qualify U/s. 80CCC to extent of Rs. 1,00,000 Lac. for 5 yrs.

• ELIGIBILITY : Individuals, Minors, HUF. NRI’s not allowed. (Trust &

Institutions eligible for 8% bonds)

• MIN-MAX INVT. : Rs.1,000/- & in Multiples of Rs.1,000/- No Limits

• INTEREST OPTION : Hlaf Yearly or Cumulative Rs.1,000/-

Becomes Rs.1,601/- After 6 yrs. @10.01YTM

• NOMINATION FACILITY :

a) This facility will be available for Individual investment for sole

holder.

b) This facility will not be available for joint holdings and minor

investment.

• LIST OF DOCUMENTS :

1) POA executed in India - POA Investment

2) Birth Certificate of the minor-minors Investment

3) Pan Card Xerox

January - 2011 GUPTA PUBLICATION Page : 2

Let Your Money Grow Safely and Securely Looking for Assured Returns Safely? Invest inHDFCHDFC

DEPOSITSWITH YOU RIGHT THROUGH ‘FAAA’ and ‘MAAA’ rating for the Fourteenth Consecutive year by CRISIL and ICRA

HDFC Premium Deposits.

Period(Months)

MonthlyIncome Plan

QuarterlyOption

Half- Option

Yearly Annual Plan

Income CumulativeOption

15 7.80% 7.85% 7.90% - 8.05%

30 7.95% 8.00% 8.05% 8.20% 8.20%

45 8.05% 8.10% 8.15% 8.30% 8.30%

Min. Amt. Rs. 40,000 20,000 20,000 20,000 20,000

PREMIUM DEPOSITS (Fixed Rates only)

Notes :- The rate of Interest for deposits of Rs. 1 crore and above would be as per the extant guidelines from time to time. Interest rates are subject to change and the rate applicable will be therate payable on the date of deposits.

a) Senior Citizens (60 Years +) would be eligible for additional 0.25% p.a. b) The above rates are applicable for deposits of below Rs. 1 Crore.c) Interest is compounded annually for cumulative interest plan.

Post Office Schemes

SchemesInterestrate (%)

Term (years)Max.

Investment (Rs)

Exemption onInvestments

Taxability oninterest

Feature

Post Office SchemesInvest Today in Solid, Safe & Secure

1 2 3Accumulated interest compounded yearly paid on maturity along with the principal Compounded half yearly Compounded quarterly4Rs. 9 Lacs in Joint A/c & Rs.4.5 Lacs in SingleA/c

Safe Money

Sound Returns

Please Note : Documents for Post Office Schemes : (1) for MIS - 2 Joint Photos (2) for NSC/KVP - 3 Joint Photos (3) PAN Card of each applicant. (4) ITRs copy required if investment above Rs. 10 Lacs (5) Sign required backside of Cheque (6) Cheque in favour "The Postmaster Andheri H.O."

4PO Monthly 8.00 6 years 9 lakh None Fully Taxable 5 % bonus on maturityIncome Scheme

1Kisan Vikas Patra 8.41 8 years, No Limit None Fully Taxable Money doubles in7 months 8 years, 7 months

2National Savings 8.00 6 years No Limit Sec 80C Fully Taxable Interest earned in firstCertificate 5 years gets Sec 80C break

Post Office Time 6.25 - 1,2,3,5 No Limit None Fully Taxable Sec 80C benefit on 3Deposit 7.50 years 5-years deposits7.5

Public Provident Fund (PPF)

PPF vs FDsIf Rs. 70, 000 is invested every year in PPF and fixed deposits, the PPF account will be far bigger after 15 years

Calculation assumes that the year – end corpus of PPF and a fixed deposit is reinvested every year along with a fresh investment of Rs. 70,000. Fixed deposit earns 8% interest and its income is taxed at 30.9%.

So, if you invest Rs. 70,000 a year in a PPF, your annual tax savings in the 30% bracket will be

Rs. 21,630 In16 years, you have a tax – free corpus of

Rs. 22.92 lakhWithtax savings, the total gain in 16 years is

Rs. 26.16 lakh

Rs. 4,43,515

Rs. 10,95,189

Rs. 22,92,156

403

16 years10 years5 years

Provident Fund Post-Tax FDs(1-year recurring deposit)

Rate Effective from

18th November, 2010

Tips to make most of your PPFLearn to maximise the returns from your PPF investments by

intelligent moves through the year

Open your PPF A/c.

through us.

View Mutual Fund Portfolio On-Line

individual

illnel sa sc eit sir cC o0 ve3 r

January - 2011 GUPTA PUBLICATION Page : 3

A Pension Policy is the Present Value of Tomorrow's Happiness

LIC of INDIA

Individual Pension Plans Available

Jeevan Akshay - VI (p. 189) (Immediate Pension Plan )

FEATURES

• Min age at entry (LBD) 40 years

• Max age at entry (LBD) 79 years

• Min Single premium Rs. 50,000/-

• Min Annuity installment Rs.500/- per month

Rs.1000/- per quarter

Rs.2,000/-per half year

Rs.3,000/-per year

• Mode of Premium payment Single

• Mode of Annuity Payments Mly, Qly, Hly & yly

W e l c o m e F o r P e n s i o n W i t h o u t Te n s i o n

Annuity Options

(1) Annuity For Life : Under this option if the policy holder dies pension stops.

(2) Annuity Guaranteed : For 5,10,15 or 20 Years & For Life Their After Under this option on death during guarantee period.. Pension will be paid to nominee till the end of guaranteed period. On death after Guaranteed period pension stops.

(3) Annuity for Life with Return of Purchase Price on Death : On death pension stops and purchase price is returned to nominee.

(4) Annuity for Life Increasing at a Simple Rate of 3 % P.A : Payment of pension at the increased rate by 3 % year after year. And stops on death.

(5) Annuity for life with a provision for 50% of the annuity to the spouse of the annuitant for life on death of the annuitant.

(6) Annuity for life with a provision for 100% of the annuity to the spouse of the annuitant for life on death of the annuitant.

Incentive for higher purchase price for of more than 5,00,000 up to Rs.4.00 per thousand

NO MEDICAL REQUIRED.

Standard Age Proof Required.

Lic's Pension.... For Secure and Dignified Future

Why ? LIC's Jeevan Akshay - VI• Pension is Paid Directly to your Account

on the Due Date. So no waiting for Cheque.

• On Death, the Entire Investment is Returned to the Nominee, on selecting option no.3

• The Policy can not be surrendered - soguaranteed income for life.

Why Pension....• The Moment you are in Tension…

• You will lose your Attention….

• You will feel Confusion….

• This may spoil your personal Relations….

• And get things into Complication…..

• And you have to take Medication ….

• And if you are Thinking of Solution….

It can only be LIC’s Pension

Critical Care Plan DID YOU KNOW?

• One in every 15 Indian men could develop Cancer in their lifetime!

• Four Indians die of Heart Attack. Every minute!

• 90% of Indians who suffer from Kidney Disease are not able to afford the cost of treatment!

• HDFC Critical care plan is a unique health plan which helps you and your family to remain financially independent, in case of any critical emergencies.

Stress. Unhealthy eating habits. Hectic and sedentary lifestyle. Pollution… the modern lifestyle can take its toll on your health. Since you have always ensured that you and your family live a respectable life. Don't let any critical illness shatter your best-laid plans.

Source: National Cancer Registry programme 1981-2001, Health Tribune Chandigarh and www.medindia.net

For Product Features Contact : Mr. Pravin Jadhav (Business Executive) 93219 27290 insurance@guptainvestments.com

Tax Savings Under Section 80D

• Cover against 30

critical illnesses

• Lump sum benefit payment

• Cover Continues*

Visit www.guptainvestments.com - Email : gagan@guptainvestments.com for Feed Back / Queries.Financial Advise / your

January - 2011 Page : 4GUPTA PUBLICATION

ON THE CREST OF A WAVE

Advantages

• Choice of two Investment Options – Highest NAV Guarantee Fund or Free Asset Allocation Option.

• Benefit of minimum guaranteed NAV of Rs. 15 at maturity *.

• On maturity you will receive the Fund value as per the investment option selected.

• This plan provides valuable protection to your family in case you are not around. In case of your unfortunate demise during the policy term, we will pay the amount higher of your Sum Assured (less partial withdrawals) or your total fund value to your family. Please refer to product brochure for details.

• This plan can be taken by filling Short Medical Questionnaire, which may not require you to go for medicals.

• Kindly refer to the product brochure for details.

• Tax benefits are offered under section 80C and 10(10D) of the Income Tax Act, 1961

Any uncertainty should not affect your plans. Be it of life, or of markets. You want to secure happiness for yourself and your loved ones. We present HDFC SL Crest – insurance cum investment plan that provides valuable financial protection to your family when needed the most along with an investment option for certainty of highest NAV along with a guarantee on returns*. So that when you reap the returns of life, they are on crests not on lows. In this plan you can choose to invest in either of two investments options- Highest NAV Guarantee Fund or Free Asset Allocation Option.

Is the Crest same as any other Highest NAV

Capital Gain Tax Exemption Bonds - U/S 54EC

1/4/106.00%

(Financial Year April - 2010 to March - 2011)

National Highway Authority of India (Series-X)

6.00 6.00

No TDS

Buy Mutual Fund On-Line from our Website www.guptainvestments.com

Is the Crest same as any other Highest NAV Guarantee Plan in the market?

Answer is NO!!!Crest pioneers a unique combo of

Highest daily NAV in first 7 yrs & Minimum Guaranteed NAV of Rs. 15 on MATURITY

So Let’s hurry…. Highest NAV Guarantee Fund is open till 28th Feb '11 only !!!

Systematic Investment plan is a smart way to create wealth. It

doesn’t demand Lump Sum investments. Just a little every

month. What’s more? With SIP, you don’t need to time the

market. And over a long period, your Investment averages out the

market highs and lows. Hence you buy more units when the

market is low and less when the market is high. SIP is truly small

on savings and big on benefits. So develop a good habit of regular

Savings. This SIP (Systematic Investment Plan) is applicable in

both of Cases i) Investing in Mutual Fund as well as ii) Unit

Linked Insurance Plans.

Investment Systematic PlanTaki apka har sapna poora ho

Investing Systematically in Equity fund has been a proven method for

creating wealth in Long term.

January - 2011 Page : 5GUPTA PUBLICATION

For Further details Contact : Narendra (Business Executive) Mob.: 93219 27291

MIPS : Means generating regular monthly income to meet my Family monthly expenses. MIP Fund aims to generate regular income, primarily through investment in Fixed income Securities so as to make monthly quarterly.

Source: www.mutualfundsindia.comDisclaimer: The information contained in this report has been obtained from sources considered to be authentic and reliable. However, mutualfundsindia.com is not responsible for any error or inaccuracy or for any losses suffered on account of information contained in this report. This report does not support to be an offer for purchase and sale of mutual fund units.

Mutual Fund Investments are Subject to Market Risk. Please read the offer document carefully before investing

Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince

InceptionNAV

(15.12.10)

TAX SAVER

Fidelity Tax Advantage Fund - Growth 22.866 29.3618 1 53.3618 2 6.1375 2 -- -- 18.8041 3

Franklin India Taxshield - Growth 214.2625 24.303 4 47.1421 4 3.5342 3 17.4151 2 29.9719 2

HDFC Taxsaver - Growth 243.753 27.4559 2 58.4231 1 6.2364 1 17.6284 1 32.3057 1

Reliance Tax Saver (ELSS) Fund - Growth 21.6871 24.9199 3 50.5934 3 1.9569 4 15.2106 3 16.055 4

Average 26.5102 52.3801 4.4662 16.7514 24.2842

Minimum 24.303 47.1421 1.9569 15.2106 16.055

Maximum 29.3618 58.4231 6.2364 17.6284 32.3057

Indices

BSE200 2443.2 15.8821 45.238 -2.1211 16.0855

CNX500 4760.3 14.0697 44.4196 -3.0454 14.6591

BSE100 10284.52 15.1449 43.2197 -2.098 16.2688

Scheme Name Rank1 Year Rank2 Year Rank3 Year Rank5 year RankSince

InceptionNAV

(15.12.10)

MIP FUND

Sun Life Monthly Income - Mthly Dividend 11.3601 6.9979 3 12.7043 3 6.7978 3 8.9613 4 10.6786 2

HDFC MIP - LTP - Monthly Div 13.0855 9.9359 1 19.922 1 8.8012 2 10.8865 2 11.4448 1

HSBC MIP - Savings Plan - Monthly Dividend 11.6389 5.7087 4 12.0333 4 6.1116 4 9.2387 3 9.1156 4

Reliance MIP - Monthly Dividend 11.0571 7.4554 2 14.8755 2 11.6488 1 11.0162 1 10.4177 3

Average 7.5245 14.8838 8.3398 10.0257 10.4142

Minimum 5.7087 12.0333 6.1116 8.9613 9.1156

Maximum 9.9359 19.922 11.6488 11.0162 11.4448

Indices

Crisil MIP Blended Index 2034.0889 6.4472 10.6607 5.6776 7.7123(14.12.10)

FMPs are back in fashion this Winter

The hardening interest rate scenario and the possibility of a rate hike by RBI have increased the attractiveness of the product.

Fixed Maturity PlansFixed Maturity Planswith a defined maturity period such as monthly, quarterly, half yearly, annual plans with maturity of more than 1 year , to suit various needs of investors. FMPs are open for subscription only during specified period at the time of launch of the scheme. In order to Provide liquidity to the investors, some FMPs offer a repurchase facility so that gives an option of selling back the units of the mutual fund at NAV related price at applicable load .

In short the tenure of FMPs is fixed like Fixed Deposit schemes. However being Mutual Fund schemes, FMPs are neither capital protected nor offer assured returns, FMPs generally invest in fixed income instruments, like CBLO, Repo, government securities, money market instruments, corporate bonds, debentures, other debt securities etc.

are closed ended debt oriented mutual fund schemes

“To Serve you better please call us to collect & deposit on your behalf"

January - 2011 GUPTA PUBLICATION Page : 6

Your Personal Investments & Insurance AdvisorOffice No. 2 R.N.A Shopping Arcade,

1st Floor, Lokhandwala Complex,

Andheri (W), Mumbai - 400 053.

, G

91-22-4016 3736

(M) 93238 35902

(D)

91-22-2633 8819 / 2635 0236

Fax : 91-22-2632 5363

E-mail : gagan@guptainvestments.com

Website : www.guptainvestments.com

“Quality Investment under one roof ”

Dimpi Printers,Azad Road, Gundavali, Behind Ganesh-Motor Training School, Andheri (E),

Mumbai-400 069. & Published at Office no 2, 1st Floor, R. N. A. Arcade,

Lokhandwala Complex, Andheri (W) Mumbai 400 053.

Sr. No.

Company & Rating Period Minimum & Multiple of Interest (%)Interest (%)

The Interest Rate Structure for Fixed Deposit Scheme are as under

Notes : Any one of the following documents to be obtained for KYC a) Passport b) Voter’s Identity Card c) Driving License d) Telephone Bill e) Bank Statement f) Electricity Bill

g) Ration Card PAN copy for Application > 40,000/- Interest rates are subject to change and the rate applicable will be the rate payable on the date of deposits.

F D Sixed eposit cheme

Qtr. H.Y Ann/ Cum(Yield)

13 Months Rs. 10,000 - - 7.50 -

1 Godrej Industries Limited 24 Months (& in multiples of - 8.00 - -

36 Months Rs. 1,000 thereafter) - 8.50 - -

1 Years Rs. 10,000 - Cum 7.65 7.75 8.00

2 Mahindra Finance 2 Years Rs. 25,000 - H.Y. 8.65 8.75 9.41

CRISIL RATING FAA+ 3 Years Rs. 50,000 - Qtr. 9.15 9.25 10.43

4 Years (& in multiples of 9.15 9.25 10.94

5 Years Rs. 1000 thereafter) 9.15 9.25 11.48

3 Godrej & Boyce 3 Years Rs. 40,000 - Mty

Mfg. Co. Ltd. Rs. 15,000 - H.Y. - 8.00 8.00 Mty in case of 40,000

(& in multiples of

Rs. 1000 thereafter)

FIXED % (p.a) MATURITY VALUE

4 Shriram Unnati FOR RS. 25,000

Fixed Deposit 1 Years 8.75 8.48 8.57 8.75 27,188.00

2 Years 9.50 9.18 9.28 9.95 29,975.00

CRISIL RATING FAA+/ Stable 3 Years 10.00 9.65 9.76 11.03 33,273.00

ICRA RATING MAA+/ Stable 4 Years 10.00 9.65 9.76 11.60 36,600.00

5 Years 10.00 9.65 9.76 12.21 42,263.00

5 Godrej Properties Ltd 1 Years Rs.10,000/- - 7.50 - -

2 Years - 8.00 - -

3 Years - 8.50 - -

KYC is Mandatory for all Investors

w.e.f. January 1, 2011

With respect to the AMFI circular no. 35/MEM – COR/62/10-11 dated October 7, 2010 (and with reference to AMFI circular no. 35/MEM – COR/54/10-11)AMFI Committee on KYC has, based on discussion with SEBI recommended that the current threshold limit of Rs. 50,000 to be reduced to Nil for Individual Investors effective from January 1, 2011.

It implies that with effect from January 1, 2011. KYC shall be mandatory, irrespective of the investment amount, for all categories of investor (individual and non – individual). Investors who wish to make an investment in mutual fund scheme either by investing a lumpsum amount or through a Systematic Investment Paln (SIP) need to be KYC compliant.

We advise investors who are not KYC Compliant to complete the KYC process at the earliest. Investors can submit the duly filled in KYC application form along with the relevant documents at our office.

• Click : www.guptainvestments.com to Know the documents to be Submitted for KYC processing / KYC application Form for Individuals / Non-Individuals.

Dear Mutual Fund Investor