1

2 Stock Holding Corporation of India Ltd. (SHCIL) was incorporated as a Public Limited Company in 1986. It has been jointly promoted and owned by leading Banks and Financial Institutions viz., IDBI Bank Ltd., ICICI Bank Ltd., SU-UTI, IFCI Ltd., LIC, GIC, NIA, NIC, UIC, and TOICL, all leaders in their fields of business. SHCIL began by offering custodial and post trading services, adding depository services and other services to its portfolio over a period of time. SHCIL is a Custodian/Professional Clearing Member of derivative segment at the Bombay Stock Exchange and at the Futures & Options Segment of the NSEIL respectively. We have developed in-house Back Office systems and procedures to cater to the needs of various entities in the segment. A dedicated team of professionals handle derivative operations and assist its clients.

Our Values
Safety & Efficiency of Operations is a hallmark of SHCIL. Professionalism & Integrity. Customer First . Relationship building . Commitment to Quality irrespective of asset size!

As a professional clearing member, SHCIL performs the following functions:-

3 Clearing - Computing obligations of all his TMs i.e. determining positions to settle. Settlement - Performing actual settlement. Collateral Management - Collection of collateral (cash/cash equivalents and securities), valuation on a regular basis (as per J. R. Varma recommendations) and setting up exposure limits for TMs and Institutional clients.
Risk Management- Setting position limits based on up front deposits/margins for

each TM and monitoring positions on a continuous basis.

SHCIL has always been a pioneer in clearing and settlement services in the cash segment at both the exchanges. SHCIL has the capability to handle large volumes of business with greatest accuracy, keeping customer interests as the top priority. SHCIL in its endeavour to serve various entities in the derivatives segment has developed indigenous solution keeping in view the strict regulatory requirements. Privacy of each TMs operations strictly maintained : SHCIL being a professional clearing member has no trading interests in the derivatives segment. There is strictly no dissemination of information on trading or any other operation of any of its clients. One-point contact for all the activities: SHCILs Derivatives segment is centralized and all operations are handled by an exclusive derivatives team. Dedicated team of professionals to handle Derivatives operations: SHCIL has a well-trained team of professionals supported by best systems, to handle derivatives operations at NSE and BSE. Clients can approach the team for troubleshooting, conceptual understanding or any other operational issue related to derivatives trading.

4 Tie-up with banks having nation-wide reach for banking activities : Since settlement in derivatives trading takes place daily. Funds movement has to be fast. SHCIL has tie up with banks (HDFC Bank, ICICI Bank, OBC, IDBI Bank,UTI Bank, Canara Bank etc.) having wide reach and modern facilities like TT/anywhere banking etc. to contain the time lag in banking transactions. Network of more than 130 branches to support outstation clients : SHCIL has nation wide reach with its 130 plus branches across the country to support outstation clients. SHCILs branches are geared up to provide derivatives clearing and settlement services to trading members operating from respective branches. In built checks and controls: SHCIL has indigenously designed systems that take care of the stringent regulatory requirements for derivatives trading in India. Collateral Management:

SHCIL has excellent system to manage cash/cash equivalents/securities deposited as collateral for derivatives trading. Clients are informed as and when expiry of any instrument approaches. Securities are transferred in minimum possible time. Corporate actions on securities are monitored and clients are being informed accordingly. Support from Institutional participants:

SHCIL being a custodian clearing member having major institutional clients like UTI, IDBI etc. who are also promoters of SHCIL, provides more credibility to its clients. Competitive service charges:

SHCIL is the pioneer in introducing Derivatives Clearing and Settlement services in the country. To promote derivatives trading, the service charges are designed not become a hindrance for anybody entering this market.

More

leverage:

There is no need to block assets worth Rs. 50 lakh as initial margin deposits with

5 exchange. Instead a Trading member can take huge exposures by investing the same amount through a PCM like SHCIL. Low investments:

Derivatives trading require complying with stringent regulatory requirements and huge investment in back office systems for a Clearing Member. By choosing a PCM like SHCIL, a trading member can start trading with very little investment in back office systems since a PCM takes care of the back office activities. Institutional Advantage:

Advantage of trading for institutional clients. A trading member can execute institutional orders without shrinking his own exposure limits as institutional trades are confirmed online by the respective PCM. Confidentiality of Trades:

Since SHCIL has no trading rights, the business details of a trading member are not likely to be misused .There is no overlapping of business interests. Focus: Due to highly competitive nature of the market, SHCILs service charges are normally very low and it makes more business sense for a TM to outsource the clearing and settlement activities and focus on the core business of trading. SHCIL's long-standing association with Clearing Members has enabled it to develop services based on an understanding of their working and their requirement for timely and accurate information.

Main Branch in India

Branch :

Mumbai - Kalyan Shcil, Gala No. 110, Vasant Vihar Complex, Chandulal Joshi Compound, Opp. Railway Staion, Kalyan(W) PIN : 421301 0251 2315421 , 2315422 ,

Address : STD Code : Telephone : Fax : Email :

shcil.kalyan@stockholding.com

In Chhattisgarh 5 Branches

Branch :

Raipur Shcil, 222- 223 Rishabh Complex, M.G. Road, Raipur PIN : 492001 0771 2534212 , 4033365 ,

Address : STD Code : Telephone : Fax : Email :

shcil.raipur@stockholding.com

Branch :

Bhilai Shcil, Room No. 8 Second Floor, Chouhan Estate Supela,Bhilai (Cg) PIN : 490020 0788 2295355 , 2290454 2295355 ,

Address : STD Code : Telephone : Fax : Email :

shcil.bhilai@stockholding.com

Branch :

Bilaspur B-2,Vrindavan Parisar (Ground Floor) Bus Stand Road, Telipara Bilaspur PIN : 495001 7752 412039 , 412087 ,

Address : STD Code : Telephone : Fax : Email :

manish.lazrus@stockholding.com

Branch :

Dhamtari 2nd Floor, Limja Parisar, Jagdalpur Road, Dhamtari PIN : 493773 07722 230502 , 230505 ,

Address : STD Code : Telephone : Fax : Email :

Branch :

Raigarth Shcil,First Floor Krishna Complex Laxmipur, Raigarth PIN : 496001

Address : STD Code : Telephone : Fax : Email :

, ,

shcil.raipur@stockholding.com

10

SHCIL PRODUCTS DEMAT ACCOUNT

Introduction

Our Depository Participant services cater to all your individual investment needs.

With a parentage of leading financial institutions and insurance majors and a proven track record in the Custodian business, we have reiterated our past success by establishing ourselves as the first ever and largest Depository Participant in India. From a tentative foray in 1998 into the individual investor arena to servicing around seven lakh accounts, we have endeavored to constantly add and innovate to make business a pleasure for you. Matching of your scanned signature on every debit instruction with a digitally scanned original in our system makes all your trading transactions absolutely secure. Proactive backup of your instructions prior to execution in the Depository makes us oblivious to system crashes. Dematerialisation is the process of conversion of shares from physical form to the electronic mode. Our dedicated demat team enable you to convert your physical holdings in shares/ Debentures/ Bonds/ G-secs into electronic mode in a quick and hassle-free manner. Demat account is a account in which customer keep their records of the shares, in other word before time record of share was in paper record but now reducing paper record and physical record converting into electronic form.

11

ACCOUNT OPENING

FOR RESIDENT INDIVIDUAL 1. Recent Passport size photograph of the client signed across. 2. Copy of PAN Card This also serves as a Proof of Identification. 3. Proof of Residence Preferably copy of Passport, Driving License and Rashan Card. If any of these is not available then & then onlywe can accept Electric/Telephone bill (not older than 3 months). 4. Copy of canceled MICR Cheque (valid only if name of the client is printed on it by Bank) of the Bank Account the detail of which is provided in KYC and/or copy of Bank pass book or statement. 5. Client Master Report of Demat Account mentioned in KYC. (Normally we dont find this with KYC.

FOR HUF 1. 2. Recent Passport size photograph of Karta signed across. Copy of PAN Card This also serves as a Proof of Identification. 3. Proof of Identification of the Karta (Individual PAN Card also is valid). 4. Proof of Residence Preferably copy of Passport, Driving License and Rashan Card. If any of these is not available then & then only we can accept Electric/Telephone bill (not older than 3 months). 5. Copy of canceled MICR Cheque (valid only if name of the client is printed on it by bank) of the Bank Account the details of which is provided in KYC and/or copy of bank pass book or statement. 6. Client Master Report of Demat Account mentioned in KYC. (Normally we dont find this with KYC. 7. Declaration in the account opening form, signed by the Karta and all coparceners of HUF.

12

FOR MINOR 1. Recent Passport size photographs of the guardian and minor. 2. Copy of PAN card of the Minor and guardian. 3. Proof of Residence Preferably copy of Passport, Driving License and Ration Card. If any of these is not available then and then only we can accept Electric/Telephone bill (not older than 3 months). 4. Copy of Cancelled MICR Cheque (valid only if name of the client is printed on it by bank) of the Bank Account the details of which is provided in KYC and/or copy of bank pass book or statement. 5. Client Master Report of Demat Account mentioned in KYC. (Normally we dont find this with KYC. 6. Declaration in the account opening form, signed by the Guardian.

FOR SOLE PROPRETORSHIP FIRM 1. Recent Passport size photograph of the proprietor signed across. 2. Copy of PAN Card This also serves as a Proof of Identification. 3. Proof of Residence Preferably copy of Passport, Driving License and Ration Card. If any of these is not available then and then only we can accept Electric/Telephone bill (not older than 3 months). 4. Copy of cancelled MICR Cheque (valid only if the name of the client is Printed on it by bank) of the Bank Account the details of which is provided in KYC and/or copy of Bank pass book or statement. 5. Client Master Report of the Demat Account mentioned in KYC. (Normally we dont find this with KYC. 6. Copies of the balance sheet for the last 2 financial years (copies of the annual balance sheet to be submitted every year). 7. Declaration for the opening trading Account in the name of Sole Proprietorship Firm.

13

DEPOSITARY PARTICIPANT

NSDL DEPOSITARY PARTICIPANTS

About

NSDL

Although India had a vibrant capital market which is more than a century old, the paper-based settlement of trades caused substantial problems like bad delivery and delayed transfer of title till recently. The enactment of Depositories Act in August 1996 paved the way for establishment of NSDL, the first depository in India. This depository promoted by institutions of national stature responsible for economic development of the country has since established a national infrastructure of international standards that handles most of the securities held and settled in dematerialised form in the Indian capital market. Using innovative and flexible technology systems, NSDL works to support the investors and brokers in the capital market of the country. NSDL aims at ensuring the safety and soundness of Indian marketplaces by developing settlement solutions that increase efficiency, minimise risk and reduce costs. At NSDL, we play a quiet but central role in developing products and services that will continue to nurture the growing needs of the financial services industry. In the depository system, securities are held in depository accounts, which is more or less similar to holding funds in bank accounts. Transfer of ownership of securities is done through simple account transfers. This method does away with all the risks and hassles normally associated with paperwork. Consequently, the cost of transacting in a depository environment is considerably lower as compared to transacting in certificates.

14

Promoters

Shareholders

NSDL is promoted by Industrial Development Bank of India Limited (IDBI) - the largest development bank of India, Unit Trust of India (UTI) - the largest mutual fund in India and National Stock Exchange of India Limited (NSE) - the largest stock exchange in India. Some of the prominent banks in the country have taken a stake in NSDL.

Promoters

Industrial Development Bank of India Limited (Now, IDBI Bank Limited) Unit Trust of India (Now, Adminstrator of the Specified Undertaking of the Unit Trust of India) National Stock Exchange of India Limited

Other Shareholders

State Bank of India HDFC Bank Limited Deutsche Bank A.G. Axis Bank Limited Citibank N.A. Standard Chartered Bank The Hongkong and Shanghai Banking Corporation Limited Oriental Bank of Commerce Union Bank of India Dena Bank Canara Bank

15

CDSL DEPOSITARY PARTICIPANTS

A Depository facilitates holding of securities in the electronic form and enables securities transactions to be processed by book entry by a Depository Participant (DP), who as an agent of the depository, offers depository services to investors. According to SEBI guidelines, financial institutions, banks, custodians, stockbrokers, etc. are eligible to act as DPs. The investor who is known as beneficial owner (BO) has to open a demat account through any DP for dematerialisation of his holdings and transferring securities. The balances in the investors account recorded and maintained with CDSL can be obtained through the DP. The DP is required to provide the investor, at regular intervals, a statement of account which gives the details of the securities holdings and transactions. The depository system has effectively eliminated paper-based certificates which were prone to be fake, forged, counterfeit resulting in bad deliveries. CDSL offers an efficient and instantaneous transfer of securities. CDSL was promoted by Bombay Stock Exchange Limited (BSE) jointly with leading banks such as State Bank of India, Bank of India, Bank of Baroda, HDFC Bank, Standard Chartered Bank, Union Bank of India and Centurion Bank. CDSL was set up with the objective of providing convenient, dependable and secure depository services at affordable cost to all market participants. Some of the important milestones of CDSL system are: CDSL received the certificate of commencement of business from SEBI in February, 1999. Honourable Union Finance Minister, Shri Yashwant Sinha flagged off the operations of CDSL on July 15, 1999. Settlement of trades in the demat mode through BOI Shareholding Limited, the clearing house of BSE, started in July 1999. All leading stock exchanges like the National Stock Exchange, Calcutta Stock Exchange, Delhi Stock Exchange, The Stock Exchange, Ahmedabad, etc have established connectivity with CDSL. As at the end of Dec 2007, over 5000 issuers have admitted their securities (equities, bonds, debentures, commercial papers), units of mutual funds, certificate of deposits etc. into the CDSL system.

16

PROMOTORS

CDSL was promoted by Bombay Stock Exchange Limited (BSE) in association with Bank of India, Bank of Baroda, State Bank of India and HDFC Bank. BSE has been involved with this venture right from the inception and has contributed overwhelmingly to the fruition of the project. The initial capital of the company is Rs.104.50 crores. The list of shareholders with effect from 5th July, 2010 is as under.

Sr. Name of shareholders No.

Value holding Rupees Lacs)

of % terms (in to total equity 54.20 5.57 5.07 9.57 7.18 7.18 6.45 1.91 1.91 0.96 0.00 100.00

1 2 3 4 5 6 7 8 9

Bombay Limited

Stock

Exchange 5,663.46 582.00 530.00 1,000.00 750.00 750.00 674.46 200.00 200.00

Bank of India Bank of Baroda State Bank of India HDFC Bank Limited Standard Chartered Bank Canara Bank Union Bank of India Bank of Maharashtra

10 The Calcutta Stock Exchange 100.00 Limited 11 Others TOTAL 0.08 10,450.00

17

DEMAT ACCOUNT

NSDL CLIENT ID8 DIGITS 10003357

CDSL CLIENT ID16 DIGITS 1003344568973488

18

NEW PENSION SYSTEM (NPS) WHAT IS NPS?

NPS is a voluntary, simple, regulated, portable and flexible pension

system that allows you to make regular savings for your retirement. NPS is a useful retirement planning tool and also a good tax planning investment opportunity. NPS has been introduced by Govt. of India and is regulated by Pension Fund Regulatory and Development Authority (PFRDA). PFRDA is an autonomous body set up by Govt. of India, Ministry of Finance to promote old age income security and regulate the pension sector. SHCIL is registered with PFRDA as POP (Points of Presence) to act as a link between you and NPS.

WHAT IS THE BENEFIT OF NPS? It is simple All you have to do is to approach any designated branch of SHCIL. Our officer will be happy to assist you for completing all the formalities thereafter. It is voluntary You can decide the amount you want to set aside and save for retirement. It is flexible You can choose your investment option as well as Pension Fund Manager and see your money grow. It is portable- You can operate your account from anywhere in the country, even if you change your city, job, your pension fund manager and investment asset classes. You will have a unique PRAN (Permanent Retirement Account Number) that remains with you for the rest of your life. It is a low cost Product for retirement planning Details of applicable charges will be available with designated branches of SHCIL.

19

It is market based NPS is structured to give you freedom in deciding the investment for your corpus. You can expect market based returns and build your retirement corpus the way you want. It is regulated NPS is regulated by PFRDA with transparent investment norms as well as regular monitoring and performance review of fund managers by NPS Trust.

WHO CAN INVEST? NPS is open to every Indian Citizen between the age of 18 and 60 years at the time of joining. The earlier you start, the greater will be the growth of your retirement corpus. You should take advantage of compounding of your wealth by joining NPS, right now.

HOW MUCH TO INVEST? You can make contributions as per your convenience, subject to following condition Minimum amount per contribution Rs.500 Minimum contribution per year Rs.6000 Minimum number of contributions per year 1

WHAT IS THE INVESTMENT OPTION? NPS offers you two options to invest your money. Active Choice Individual Funds - You will have the option to actively decide as to how your contributions should be invested among the following three asset classes. Asset Class E Equity market instruments. Asset Class C Debt instruments other than Government securities. Asset Class G Government securities You can choose to invest your entire contribution in C or G Asset Classes or a combination of C and G with up to a maximum 50% in Asset Classes E.

20

Auto Choice Lifecycle Fund NPS offers an easy option for citizens who dont have the required expertise or dont want to decide asset classes for the contributions made by them. In such cases your funds will be invested in accordance with the Auto Choice option, the instruments are made in a lifecycle fund and the distribution of your investments across asset classes E, C and G are made automatically based on age.

HOW TO INVEST?

To enroll in the NPS, contact us and complete the Registration Form (UOS S1). The form is available free of cost and our officers will be happy to assist you in completing the formalities. Submit the filled in form along with the payment (Cheque,/Demand Draft) to the nearest SHCIL branch. The Cheque / DD have to be in favour of Stock Holding Corporation of India Ltd. Collection Account NPS Trust.

WHAT IS THE WITHDRAWAL OPTION? At any point in time before 60 years of age: You would be required to invest at least 80% of the retirement corpus to purchase a life annuity from any annuity Service Provider (ASP) appointed by PFRDA. Rest 20% of retirement corpus may be withdrawal as lump sum. On attaining the age of 60 years and up to 70 years of age: At exit you would be required to invest minimum 40% of your accumulated savings (retirement corpus) to purchase a life annuity from any ASP. The remaining retirement corpus can either be withdrawn in lump sum on attaining the age of 60 or in phased manner till age of 70 subject to minimum 10% of the corpus to be withdrawn every year. Any amount lying to the credit at the age of 70 should be compulsorily withdrawn as lump sum. Death due to any cause: In such an unfortunate event, option will be available to the nominee to receive 100% of the NPS retirement corpus in lump sum.

21

HOW WILL THE PENSION BE AVAILABLE?

On exit from NPS, you will have to transfer the portion of the retirement corpus you decide to annuitize to any of the Annuity Service Providers (ASP) appointed by PFRDA. ASPs appointed by PFRDA would be responsible for delivering a regular monthly pension to you after your exit from NPS. The ASP will provide you a monthly pension based on the amount you have annuitized.

22

MUTUAL FUND

A Mutual Fund is a trust that pools the savings of a number of investors who share a common financial goal. The money thus collected is then invested in capital market instruments such as shares, debentures and other securities. The income earned through these investments and the capital appreciation realised are shared by its unit holders in proportion to the number of units owned by them. Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost. The flow chart below describes broadly the working of a mutual fund:

Mutual Fund Operation Flow Chart

23

WHAT ARE VARIOUS TYPES OF MUTUAL FUNDS

A common man is so much confused about the various kinds of Mutual Funds that he is afraid of investing in these funds as he can not differentiate between various types of Mutual Funds with fancy names. Mutual Funds can be classified into various categories under the following heads:-

(A) ACCORDING TO TYPE OF INVESTMENTS :- While launching a new scheme, every Mutual Fund is supposed to declare in the prospectus the kind of instruments in which it will make investments of the funds collected under that scheme. Thus, the various kinds of Mutual Fund schemes as categoried according to the type of investments are as follows :-

(a) EQUITY FUNDS / SCHEMES (b) DEBT FUNDS / SCHEMES (also called Income Funds) (c ) DIVERSIFIED FUNDS / SCHEMES (Also called Balanced Funds) (d) GILT FUNDS / SCHEMES (e) MONEY MARKET FUNDS / SCHEMES (f) SECTOR SPECIFIC FUNDS (g) INDEX FUNDS

24

B) ACCORDING TO THE TIME OF CLOSURE OF THE SCHEME :- While launching a new schemes, Mutual Funds also declare whether this will be an open ended scheme (i.e. there is no specific date when the scheme will be closed) or there is a closing date when finally the scheme will be wind up. Thus, according to the time of closure schemes are classified as follows :-

(a) OPEN ENDED SCHEMES (b) CLOSE ENDED SCHEMES

C) ACCORDING TO TAX INCENTIVE SCHEMES :- Mutual Funds are also allowed to float some tax saving schemes. Therefore, sometimes the schemes are classified according to this also:-

(a) TAX SAVING FUNDS (b) NOT TAX SAVING FUNDS / OTHER FUNDS (D) ACCORDING TO THE TIME OF PAYOUT :- Sometimes Mutual Fund schemes are classified according to the periodicity of the pay outs (i.e. dividend etc.). The categories are as follows:-

(a) Dividend Paying Schemes (b) Reinvestment Schemes

The mutual fund schemes come with various combinations of the above categories. Therefore, we can have an Equity Fund which is open ended and is dividend paying

25 plan. Before you invest, you must find out what kind of the scheme you are being asked to invest. You should choose a scheme as per your risk capacity and the regularity at which you wish to have the dividends from such schemes.

SOME OF THE TERMS USED IN MUTUAL FUNDS

Net Asset Value (NAV) Net Asset Value is the market value of the assets of the scheme minus its liabilities. The per unit NAV is the net asset value of the scheme divided by the number of units outstanding on the Valuation Date.

Sale Price: It is the price you pay when you invest in a scheme and is also called "Offer Price". It may include a sales load.

Repurchase Price: - It is the price at which a Mutual Funds repurchases its units and it may include a back-end load. This is also called Bid Price.

Redemption Price: It is the price at which open-ended schemes repurchase their units and close-ended schemes redeem their units on maturity. Such prices are NAV related.

Sales Load / Front End Load: It is a charge collected by a scheme when it sells the units. Also called, Front-end load. Schemes which do not charge a load at the time of entry are called No Load schemes.

26

UNDERSTANDING MUTUAL FUND Mutual fund is a trust that pools money from a group of investors (sharing common financial goals) and invest the money thus collected into asset classes that match the stated investment objectives of the scheme. Since the stated investment objective of a mutual fund scheme generally forms the basis for an investor's decision to contribute money to the pool, a mutual fund can not deviate from its stated objectives at any point of time. Every Mutual Fund is managed by a fund manager, who using his investment management skills and necessary research works ensures much better return than what an investor can manage on his own. The capital appreciation and other incomes earned from these investments are passed on to the investors (also known as unit holders) in proportion of the number of units they own.

27

When an investor subscribes for the units of a mutual fund, he becomes part owner of the assets of the fund in the same proportion as his contribution amount put up with the corpus (the total amount of the fund). Mutual Fund investor is also known as a mutual fund shareholder or a unit holder. Any change in the value of the investments made into capital market instruments (such as shares, debentures etc) is reflected in the Net Asset Value (NAV) of the scheme. NAV is defined as the market value of the Mutual Fund scheme's assets net of its liabilities. NAV of a scheme is calculated by dividing the market value of scheme's assets by the total number of units issued to the investors.

For example: A. B. C. D. E. If the market value of the assets of a fund is Rs. 100,000 The total number of units issued to the investors is equal to 10,000. Then the NAV of this scheme = (A)/(B), i.e. 100,000/10,000 or 10.00 Now if an investor 'X' owns 5 units of this scheme Then his total contribution to the fund is Rs. 50 (i.e. Number of units held multiplied by the NAV of the scheme)

28

BROAD MUTUAL FUND TYPES

29

Religare MF SIP
the age old adage of tortoise

winning the race

May 2011

still holds true

30

Does timing the market works?

7000

S & P N i fty

In d ia V IX

6000

5000

4000

3000

7000

2000

%
100 90 80 70 60 50 0 No v - 0 7 Fe b - 0 8 40 30 20 10 M ay-08 Se p -08 De c - 0 8 A p r -09 J u l- 0 9 No v - 0 9 Fe b - 1 0 M ay-10 Se p -10 0 De c - 1 0 M ar -11

1000

Volatility is an integral part of the stock markets Markets are unpredictable. i.e. it is difficult to pick the best time to buy or sell

31

What do the experts say about this..

"After nearly 50 years in this business, I do not know anybody who has done it (market timing) successfully and consistently. I do not know of anybody who knows anybody who has done it successfully and consistently." (John C. Bogle in Common Sense on Mutual Funds) There's something in people, you might even call it a little bit of a gambling instinct ... I tell people [investing] should be dull. It shouldn't be exciting. Investing should be more like watching paint dry or watching grass grow. If you want excitement, take $800 and go to Las Vegas. (Paul Samuelson in The Ultimate Guide to Indexing) "No one--not the pundits from the big brokerage firms, not the newsletter writers, not the mutual fund managers, and certainly not your broker--can predict where the market will go tomorrow or next year." (Wm Bernstein in The Four Pillars of Investing) "Timing the market is for losers. Time IN the market will get you to the winner's circle, and you'll sleep a lot better at night." (Michael LeBoeuf in The Millionaire in You)

32

20% 14.17% 15%

Missing just a few good days of the market can reduce the return potential significantly Timing the market can lead to portfolio losses
4.25%

10%

6.72%

5%

0%

-5%

-10%

33

Downside risk diminishes over time

The percentage of time, the BSE Sensex posted a positive return over different rolling time periods from 1998 - 2010.

Data for period from 1.1.98 to 31.12.10. Disclaimer: The illustration above is merely indicative in nature and should not be construed as investment advice. It does not in any manner imply or suggest the performance of any Religare Mutual Fund Scheme(s).

34

How does a SIP help?

Works on the principle of rupee cost averaging Investing at pre-defined intervals inculcates discipline Works best in volatile market conditions Allows you to buy more unit when markets are down, buys less units when markets are rising Results in a lower average cost per unit in most situations It is easy on the wallet too, as we dont have to commit large sums of money at one go

35

The proof of the puddingis in thefor you.. Let Time and Compounding work eating
Investing Rs 1000 per month into a scheme that had a NAV of Rs 10, at the time of initial investment

Systematic investing ensures that the average cost of acquisition is lower in most situations.
Note: NAVs as on the first business day of each month.

36

Let Time and Compounding work for you..

Mr. B

Start Early Power of Compounding Mr. A

Mr. A Starting age of investment Starting age of investment Annual savings Rate of Interest Annual savings 35 Years 25 Years 1 Lac Rs. Rs. 1 Lac p.a 8% Rs. 25 Lacs* Rs. 78.9 Lacs**

Mr. B

Mr. B
Starting age of investment Starting age of Annual savings investment Annual Interest Rate of savings Rate cumulative Total of Interest investment Investment valueinvestment Total cumulative at age 60 Investment value at age 60

Mr. B

25 Years 25 Years 1 Lac Rs. 8% p.a Rs. 35 Lacs* Rs. 1.86 crores**

Rate of Interest Total cumulative investment Investment value at age 60 Total cumulative investment Investment value at age 60

A small difference in the annual rate of interest has resulted in a surplus of Rs. 1.12 crores for Mr. B, in the retirement basket.
* At the age of 60 ^ Based on 8% p.a compounded annually # Based on 8% p.a compounded annually **Based on 10% p.a compounded annually

Mr. B

37

Actual experience with Religare Contra Fund

NAV movement vis--vis benchmark^ SIP Investment
Rs Monthly Investment Rs.1,000/-

19 17 15 13 11 9 7
5

Religare Contra Fund - Grow th BSE 500

15.89 14.46

No of Months 50 Total Investments Made Rs. 50,000/Value of invt. as on 31 May 11*

Rs. 1.86 crores^

Rs.69,418/Scheme Rs. 2.98 crores#

Benchmark^ Apr-07 Nov-07 Jun-08 Jan-09 Aug-09 Mar-10 Oct-10

May-11

Rs.61,980/-

Annualised return on Invt.* Scheme 15.88% 10.30%

Past performance may or may not be sustained in future. Inception Date: Apr 11, 2007. ^ Benchmark BSE 500. The above calculation is based on the 1st declared NAV date i.e 12/04/07

Benchmark^

38

Actual experience with Religare PSU Equity Fund

NAV movement vis--vis benchmark^ SIP Investment
Monthly Investment Rs
13

Rs.1,000/No of Months 19

12

11

Total Investments Made

10.39

10 9.53 9

Rs. 19,000/Value of invt. as on 31 May 11* Scheme Benchmark^ Rs.18,318/Rs.17,477/-

8 No v09 De c09 Ja n10 Fe Ma b- r10 10 Ap Ma y-r10 10 Ju n10 J ul10 Au g10 Se p10 Oc t10 No v10 De c10 Ja n11 Fe Ma b- r11 11 Ap r11 Ma y11

Past performance may or may not be sustained in future. Inception Date: Nov
18, 2009. ^ Benchmark BSE PSU Index. The above calculation is based on the 1st declared NAV date i.e 27/11/2009 th BSE PSU

Annualised return on Invt.* Scheme Benchmark^ -4.36% -9.75%

Religare PSU Equity Fund - Grow

39

Actual experience with Religare Tax Plan#

NAV movement vis--vis benchmark^

SIP Investment
Monthly Investment Rs
19 Religare Tax Plan - Growth BSE100 17 15 13.77 13 11 17.34

Rs.1,000/-

No of Months 53 Total Investments Made Rs. 53,000/Value of invt. as on 31 May,11* Scheme Rs.76,822/Rs.65,836/-

7 5 Jan07

Benchmark^
May07 Sep- Jan07 08 May08 Sep- Jan08 09 May09 Sep- Jan09 10 May- Sep10 10 Jan11 May11

Past performance may or may not be sustained in future. Inception Date: Dec
29, 2006. ^ Benchmark BSE 100. The above calculation is based on the 1st declared NAV date i.e 02/01/07

Annualised return on Invt.* Scheme Benchmark^ 16.94% 9.79%

40

Actual experience with Religare Business Leaders Fund

NAV movement vis--vis benchmark^ SIP Investment
Monthly Investment Rs
14 Religare Business Leaders Fund - Growth 13 S&P Nifty

Rs.1,000/No of Months 22

12 12.08 11.75

Total Investments Made Rs. 22,000/Value of invt. as on 31 May,11* Scheme Benchmark^ Rs.23,066/Rs.23,026/-

11

10

9 Aug-09

Nov-09

Feb-10

May-10

Aug-10

Nov-10

Feb-11

May-11

Annualised return on Invt.* Scheme 5.07% 4.88%

Past performance may or may not be sustained in future. Inception Date: Aug
21, 2009. ^ Benchmark S&P Nifty. The above calculation is based on the 1st declared NAV date i.e 28/08/09

Benchmark^

41

Actual experience with Religare Growth Fund

NAV movement vis--vis benchmark^

SIP Investment
Rs Monthly Investment Rs.1,000/15 Religare Grow th Fund - Grow th BSE100 13 12.95 12.57

No of Months 46 Total Investments Made Rs. 46,000/-

11

Value of invt. as on 31 May,11* Scheme Benchmark^ Rs.58,800/Rs.56,198/-

5 Aug- Nov- Feb- May- Aug- Nov- Feb- May- Aug- Nov- Feb- May- Aug- Nov- Feb- May0707080808080909090910 10101011 11

Annualised return on Invt.* Scheme Benchmark^ 12.88% 10.46%

Past performance may or may not be sustained in future. Inception Date: Aug
09, 2007. ^ Benchmark BSE 100. The above calculation is based on the 1st declared NAV date i.e 13/08/07

IPO

Initial Public Offerings Information on Going Public

We take companies public. If you would like to take your company public, please contact us at (310) 888-1195 or us for a free report.

42

The Main Advantages of an Initial Public Offering (IPO)

While contemplating the idea of taking a company public via an IPO (Initial Public Offering), the increased capitalization for the issuing business is a strong point to consider, since a public offering creates a market value on a companys stock. The company directors and shareholders can approach the day in their IPO calendar with confidence, retain their stock and use it for varied activities, such as: currency for mergers and acquisitions, as stock options to help retain key personnel, they may also sell their shares in the open market or via the services of an IPO underwriter.

Additionally, the business will have greater access to the capital markets for future capital inflow and we will furnish the IPO resources and provide guidance with the IPO underwriting. In general terms, most IPO companies valuation and debt-to-equity ratio will improve after going public, making it possible for the enterprises to receive much better terms from lenders, once they fulfill their IPO calendar.

IPO Calendar
Anticipated IPOs
Company Exchan Tick ge er Offe Propos Shares 1st IPO Lead r ed (in Day Industry Pric Underwrit Dat Price million Clos e er e Range s) e 2.5 8.3 5.5 5.0 NA NA NA NA NA NA NA NA Conaccord Genuity Rodman & Renshaw Brean Murray Thomas

SurgiVision

NASD SRG Biotechnol $9.00 NA AQ V ogy $11.00 WA $9.00 Networking NA V $11.00 Services NA $6.00 $8.00

Wave2Wave NASD Communicati AQ ons Redgate Media Nexsan

NASD RGM AQ

NASD NXS Technology NA $10.00

43 AQ Resaca Exploitation NYSE N RSO X Energy NA $12.00 $3.20 $3.60 20 NA NA Weisel Royal Bank Of Canada

IPO market study finds a dysfunctional market structure that fuels unemployment and undercuts small businesses
Grant Thorntons updated study looks at how the current U.S. IPO market structure drives job losses, and it addresses misconceptions about the impact of private equity, penny stocks and inflation on new public equity offerings.

In fact, 2009 which was expected to be a rebound year was one of the worst IPO markets in the last 40 years, with only 61 IPOs. Wall Streets increased focus on highspeed trading and larger-cap companies, coupled with decreased equity research coverage and sales support for small-cap businesses, is undercutting the ability of many companies to maintain adequate visibility with investors to support share prices.

44

What Does Initial Public Offering - IPO Mean? The first sale of stock by a private company to the public. IPOs are often issued by smaller, younger companies seeking the capital to expand, but can also be done by large privately owned companies looking to become publicly traded. In an IPO, the issuer obtains the assistance of an underwriting firm, which helps it determine what type of security to issue (common or preferred), the best offering price and the time to bring it to market.

While undertaking an IPO a company is doing two things simultaneously:

It is offering shares for sale to the public It is also raising capital There is no doubt that offering securities to the investment public will help a companys management and directors retain a large degree of control, as opposed to many other capital funding scenarios.

45 For example, if a private company decides to use the services of venture capitalists to raise capital, instead of going public, the VCs (Venture Capitalists) might insist on a decision-making position, such as a seat on the board of directors. When a company decides to raise capital via the going public process of an IPO (Initial Public Offering), those unpleasant considerations are avoided by IPO companies. No doubt the prestige related with becoming a public company has a definite appeal. The fact that its easier for an IPO underwriter to promote a public company is also a pertinent consideration because the funding resources available to public companies are much better than whats available to private concerns. Public companies have historically achieved higher recognition than private companies; hence, the public relations image and the perceived stability of being a public company is a plus. All the above considerations should come into play when you are considering the pros and cons of going public via an IPO (Initial Public Offering) and we have the IPO resources to help you make this important step via IPO underwriting.

An initial public offering, or IPO, is the first sale of a corporation's common shares to investors on a public stock exchange. The main purpose of an IPO is to raise capital for the corporation. While IPOs are effective at raising capital, being listed on a stock exchange comes with heavy regulatory compliance and reporting requirements.

The term IPO only refers to the first public issuance of a company's shares. It assumes a company is big enough, successful enough, and has the required track record to raise capital in the public equity market. If a company later sells newly issued shares again to the market, it is called a seasoned equity offering. When a shareholder sells shares, it is called a secondary offering and the shareholder, not the company that originally issued the shares, retains the proceeds of the offering. These terms are often confused and only a company which issues shares can make a primary offering or IPO. Secondary offerings occur on the secondary market, where shareholders (not the issuing company) buy and sell shares from and to each other.

The IPO process starts when the corporation files a registration statement, according to the Securities Act of 1933, with the SEC. The SEC then investigates the registration

46 statement and approves the full disclosure. The underwriter first issues a preliminary prospectus and then an official prospectus before or along with the stock offering. After SEC approval, the price and date of the IPO are decided.

Investing in an IPO is a risky and speculative investment. Only active traders, depending on their investment objectives and risk tolerance, should consider this type of investment.

Fixed Deposit
A fixed deposit is meant for those investors who want to deposit a lump sum of money for a fixed period; say for a minimum period of 15 days to five years and above, thereby earning a higher rate of interest in return. Investor gets a lump sum (principal + interest) at the maturity of the deposit. Bank fixed deposits are one of the most common savings scheme open to an average investor. Fixed deposits also give a higher rate of interest than a savings bank account. The facilities vary from bank to bank. Some of the facilities offered by banks are overdraft (loan) facility on the amount deposited, premature withdrawal before maturity period (which involves a loss of interest) etc. Bank deposits are fairly safer because banks are subject to control of the Reserve Bank of India. Bank deposits are fairly safe because banks are subject to control of the Reserve Bank of India (RBI) with regard to several policy and operational parameters. The banks are free to offer varying interests in fixed deposits of different maturities. Interest is compounded once a quarter, leading to a somewhat higher effective rate.

The minimum deposit amount varies with each bank. It can range from as low as Rs. 100 to an unlimited amount with some banks. Deposits can be made in multiples of Rs. 100/-. Before opening a FD account, try to check the rates of interest for different banks for different periods. It is advisable to keep the amount in five or ten small deposits instead of making one big deposit. In case of any premature withdrawal of partial amount, then only one or two deposit need be prematurely encashed. The loss sustained in interest will, thus, be less than if one big deposit were to be encashed. Check deposit receipts carefully to see that all particulars have been properly and accurately filled in. The thing to consider before investing in an FD is the rate of interest and the inflation rate. A high inflation rate can simply chip away your real returns.

47

Returns
The rate of interest for Bank Fixed Deposits varies between 4 and 11 per cent, depending on the maturity period (duration) of the FD and the amount invested. Interest rate also varies between each bank. A Bank FD does not provide regular interest income, but a lump-sum amount on its maturity. Some banks have facility to pay interest every quarter or every month, but the interest paid may be at a discounted rate in case of monthly interest. The Interest payable on Fixed Deposit can also be transferred to Savings Bank or Current Account of the customer. The deposit period can vary from 15, 30 or 45 days to 3, 6 months, 1 year, 1.5 years to 10 years.

Duration * 15 - 45 days 30 - 45 days 46 - 90 days 91 - 110 days 181 - 270 days 1 - 2 years 2 - 10 years 1111 Days

Interest rate (%) per annum 4-5% 4.25 - 5 % 4.75 - 6 % 6 - 7.50 % 7.5 - 8.25 % 8.25 - 9.25 % 8.75 % 9.25 %

48

Features of Fixed Deposit Account

The main features of fixed deposit account are as follows:1. The main purpose of fixed deposit account is to enable the individuals to earn a higher rate of interest on their surplus funds (extra money). 2. The amount can be deposited only once. For further such deposits, separate accounts need to be opened. 3. The period of fixed deposits range between 15 days to 10 years. 4. A high interest rate is paid on fixed deposits. The rate of interest may vary as per amount, period and from bank to bank. 5. Withdrawals are not allowed. However, in case of emergency, banks allow to close the fixed account prior to maturity date. In such cases, the bank deducts 1% (deduction percentage many vary) from the interest payable as on that date. 6. The depositor is given a fixed deposit receipt, which depositor has to produce at the time of maturity. The deposit can be renewed for a further period.

Advantages of Fixed Deposit Account

The advantages of fixed deposit account are as follows:1. 2. 3. 4. 5. 6. 7. 8. Fixed deposit encourages savings habit for a longer period of time.. Fixed deposit account enables the depositor to earn a high interest rate. The depositor can get loan facility from the bank. On maturity the amount can be used to make purchases of assets. The bank can get the funds for a longer period of time. The bank can lend such funds for short term loans to businessmen. Fixed deposits indirectly boost economic development of the country. The bank can also invest such funds in profitable areas.

Benefits of investing in Company Fixed Deposits

High Interest. No deduction of Income Tax at source up to Rs 5,000 p.a.

49

Short-term deposits. Lock-in period is only 6 months. No Income Tax is deducted at source if the interest income is up to Rs 5,000 in one financial year .Investment can be spread in more than one company, so that interest from one company does not exceed Rs. 5,000. Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands ,it cannot be misused. The FD holder in such a case should write to the company which shall issue duplicate deposit receipt upon execution of an indemnity and cancel the previous one. Further, advantage of investing in company fixed deposits is that one can analyse the company before investing in it because companies accepting deposits are oldestablished reputed companies with proven track records.

Recently, nomination facility has been introduced in company fixed deposits.

HDFC DEPOSITS PLATINUM DEPOSIT PLAN

Fixed Rates only Platinum Deposit Plan (Period) 15 months 22 months 33 months Minimum Amount (Rs)

Monthly income Plan 9.40% 9.20% 9.40% 40,000

Quarterly Option 9.45% 9.25% 9.45% 20,000

Half-Yearly Option 9.55% 9.35% 9.55% 20,000

Annual Income Plan 9.55% 9.75% 20,000

Cumulative Option* 9.75% 9.55% 9.75% 20,000

For Cumulative Option, interest is compounded annually.

50

Additional Interest Rates (p.a.)

Senior Citizens (60 years and above) 0.25%

Interest rates on deposits of Rs. 1 crore and above would be as per the extant guidelines.

HDFC REGULAR DEPOSITS

(Fixed and Variable Rates)

Rate of Interest (p.a.) Period (Months) 12 23 24 35 36 59 60 Minimum Amount (Rs.) Monthly Income Plan 8.90% 9.05% 9.15% 8.90% 40,000 Quarterly Option 8.95% 9.10% 9.20% 8.95% 20,000 Half-Yearly Option 9.05% 9.20% 9.30% 9.05% 20,000 Annual Income Plan 9.40% 9.50% 9.25% 20,000 Cumulative Option* 9.25% 9.40% 9.50% 9.25% 20,000

* For Cumulative Option, interest is compounded annually

51

SYSTAMATIC SAVING PLAN (SSP)

[Variable Rate Deposit Plan (For Individual only)] Period (Months) 24 35 36 59 60 Rate of Interest (p.a.) 9.00% 9.25% 9.25%

Minimum Monthly Saving Amount Rs. 2000/-

Additional Interest Rates (p.a.)

Senior Citizen (60 years and above) (Other than SSP) 0.25%

Specified Investment
HDFC Trust deposits is a specified investment under section 11(5) (ix) of the Income Tax Act, 1961.

BOND
Bonds are debt investment instruments through which investors give out loans to government and corporate entities. The latter borrow funding at fixed interest and for a specified period. The US government and other governments use the money to finance various activities and projects. Other borrowers are states, municipalities, and companies. Bonds are a main asset class, together with cash equivalents and stocks. They also fall under the category of fixed-income securities. The issuer or the indebted entity issues bonds with certain interest rate, which are payable at the maturity date of the bond principal (the loaned money). Bonds earn interest which is typically paid semi-annually, i.e. twice a year. The major types of securities are notes and bills, municipal bonds, corporate bonds, and U.S treasury bills. Two features are characteristic of bonds, duration and credit quality, determining the interest rate of bonds. Government bonds have a maturity of up to 30 years while Treasury bills come with just 90 days. Municipal and corporate bonds are usually featured with maturity between 3 and 10 years. Basically, a bond is similar to a loan, whereby the holder is a creditor and the issuer is debtor. The funds can be used to finance current expenditure, e.g. government bonds, or

52 long-term investments. Three features of bonds should be mentioned, the bond principal, nominal, and face amount, on which borrowers pay interest. The redemption amount of some structured bonds may differ from the face amount. The redemption amount may be also linked to certain assets and their performance, such as a foreign exchange, commodity or stock index, or fund. Because of this, investors may receive more or less than what they originally invested. The price at which bonds are bought by investors when issued is called issue price. It is usually roughly equal to the nominal amount. Issuers receive net proceeds in the form of the issue price, minus the issuance fees. The date of maturity is the date on which the nominal amount is to be repaid by the issuer. In case the issuer has made all payments, it does not have any obligations to the bond holders. Bonds vary with regard to maturities. For example, some bonds have a maturity of one hundred years, and some will never mature. Maturity is one factor that determines the type of security. Bonds are long-term instruments with maturities of over 12 years while notes are medium term instruments with maturities in the range of 6 12 years. Bills are a short-term variety with a term of 1 to 5 years. Bonds are referred to as fixed-income securities namely because they offer a fixed amount of money if held until maturity. For example, say you have purchased a bond with maturity of 15 years, an interest rate of six percent, and a face value of $10,000. You will earn $600 in interest per year over the next fifteen years. As your bond will pay interest twice a year, you will receive 2 payments of $300. At maturity, you will get your money back ($10,000 in total).

Bond Basics: Introduction

The first thing that comes to most people's minds when they think of investing is the stock market. After all, stocks are exciting. The swings in the market are scrutinized in the newspapers and even covered by local evening newscasts. Stories of investors gaining great wealth in the stock market are common. Bonds, on the other hand, don't have the same sex appeal. The lingo seems arcane and confusing to the average person. Plus, bonds are much more boring - especially during raging bull markets, when they seem to offer an insignificant return compared to stocks. However, all it takes is a bear market to remind investors of the virtues of a bond's safety and stability. In fact, for many investors it makes sense to have at least part of their portfolio invested in bonds. This tutorial will hopefully help you determine whether or not bonds are right for you. We'll introduce you to the fundamentals of what bonds are, the different types of bonds and their important characteristics, how they behave, how to purchase them, and more.

53

54

ANALYSIS FINDINGS

AND

Q.1. How much % people know about SHCIL Company in India Level?

55

References 70% people know about Stock Holding Corporation of India limited that this company is deals with financial services like as Demat account, Mutual Fund, IPO, Broking and Trading and all financial Services providing us with also give us satisfaction 100%.

Q.2. SHCIL is deals with various Financial Services which one is best services in this Company?

56

References SHCIL is dealing with various Financial Services but in various Services Mutual Fund is the best services.

57

Q. 3. In SHCIL which mostly One choose the customers?

Depository Participants in Demat Accounts

References Two types of Depositary Participants but customers is giving preference to the NSDL Depositary Participants.

58

Q. 4. In FD which one Investment

plan preference the customers?

Preferences In FD Cumulative option is the best plan in which customer is giving preference the cumulative option.

59

Q. 5. Is New Pension System NPS High Return Services after 60 years of the age? What is the opinion of customers yes or no?

Preferences SHCIL is providing also NPS services in which customer preference in NPS service 40% expectation.

60

Q. 6. How much % people Know

about Mutual Fund?

Preferences SHCIL is providing mostly Mutual Fund approximately in India 70% people know about Mutual Fund Investment Plan.

61

Q. 7. Which one company of the

Mutual Fund mostly prefers the customers?

References Customer is giving preference the Government Sectors of the Mutual Fund such as SBI mutual Fund after this HDFC mutual Fund.

62

Q. 8. In Mutual Fund which one

plan mostly prefers the customers?

References Customer is giving preference to the SIP plan because this plan is the small investment plan and after duration period we get high returns.

63

Q. 9. Stock Holding Corporation of India Limited is deals with various financial services, such as Demat Accounts, Mutual Funds, Initial Public Offers IPO, Broking and Trading, Bonds, Infrastructure Bonds and Insurance etc. How much satisfied with the services of Stock Holding Corporation of India Limited?

Preference Customer is giving preference 80% satisfaction of the SHCIL Company.

64

Q. 10. I have taken survey in market that If a particular person have currently 1, 00, 000 rs than how they will invest in plan?

Preference In marketing field after survey I totally know about corporate sectors that 40% customers preference to the Mutual Fund, 30% IPO, 20% Share and Security and 10% Insurance. Than after I known about market condition that customer is giving preference the Mutual Fund.

SUGGESSIONS

65

On the basis of the following conditions of the suggestions as follow: 1. On the basis of after the finding Mutual fund is the best investment plan because this is small investment plan in which we invest and after duration period we get high returns. 2. On the basis of after Mutual Fund Customer is giving preference the Initial Public Offers IPO in which this is market risk of the less risk. 3. If we investment in Mutual Fund than if we will invest for long term than this will be successive for our future, so than we get high return but this plan is not successive for short time investment. 4. If we investment in Mutual Fund than SIP is the best plan SIP means the Systematic Investment Plan or Small Investment Plan. 5. In Mutual Fund Tax Saver Bond is also available in which we save our Tax. 6. In share and security investment plan is also best but before investment this type of condition is mostly know about company as follow a. Infrastructure of the company profile. b. Economic Condition of the Company. c. Industry Profile. d. Market Sales Volume. e. Marketing Values etc. 7. This is not necessary that Government Sectors of the Mutual Fund is giving us maximum return but private sectors of the Mutual Fund is also give us maximum returns such as a. Franklin Templeton Mutual Fund b. HDFC Mutual Fund c. Reliance Mutual Fund d. IDFC Mutual Fund and e. ICICI Mutual Fund. 8. SHCIL is providing us Services with maximum satisfaction of quality more than other Financial Services Sectors. 9. SHCIL of the transaction system is the fast services. 10. SHCIL is launching day-to-day new financial services which the company time-to-time remembers us for investment.

CONCLUSION

66

During the Course of the Project conclusion of the SHCIL Company After overall in project we find out the Strength, Quality and the Best Services of the Stock Holding Corporation of India Limited, the strength is that in India in every state the Branch of Stock Holding Corporation of India Limited, The main Branch of Stock Holding Corporation of India Limited in MUMBAI in KALYAN and In Chchattishgarh 5 more Branches here RAIPUR BHILAI BILASPUR DHAMTARI RAIGARH In overall five Branches of the AREA MANAGER is the Mr. DOLENDRA PATLE (MBA from Nagpur). In this Branches the target is the sale financial products in which the Mutual Fund is the Best Plan in chchattishgarh customer is preference to the Mutual Fund, Best Services means the Fast Services the transaction system is too fast than other financial sectors,.

67

BIBLOGRAPHY

www. Shcil.com www.shcilproject.com www.googlesearch.com

68

QUESTIONNAIRE
I have keen interest in undertaking project in Stock Holding Corporation of India Limited I am Deepak Dewangan and I am a student of MBA 3rd sem specialization in Marketing and Finance, I am working for my project with SHCIL as a summer training, I made this questionnaire to know the customers satisfaction percentage therefore I am taking awareness of your answers, whatever you fill I will show in my project of graphical condition.

Name of the Customer__________________________________________________

Address____________________________________________________

Age group:

15 - 20

20-30

30-40

40& above

Martial status

Married

Unmarried

Gender

Profession

Students

Business

Service

House wife

any other

Q1. Do you know about the Stock Holding Corporation of India limited? Yes No

Q2. SHCIL is dealing in various financial products which one you will prefer? Demat and Broking NPS Mutual fund and FD Bonds Infrastructure, Capital gain bonds etc.

Q3. If you Open Demat account than which one Depositary Participants you will choose?

69 NSDL (National Security Depositary Limited), DP Name: CDSL (Central Depositary Security Limited), DP Name:

Q4. If you will investment in FD than which one plan you choose? Cumulative option Half-Yearly option Annual Income plan Quarterly option

Q5. If you want to invest in FD than how much money you will invest in which you get high return after duration 10,000 2, 00,000 period? 20,000 5, 00,000

Q6. What thing you mostly prefer in New Pension System (NPS)? Safely Oldest Life No Risk Small Investment All

Q7. Is New Pension System (NPS) High Return Services after 60 yrs of age? Yes Q8. Do you know about Mutual Fund? Yes No No

Q9. Which One Company of Mutual Fund do you want to prefer? Reliance Mutual Fund HDFC Mutual Fund Franklin Templeton Mutual Fund Others

Q10. If you plan to invest in Mutual Fund than which scheme / plan you will choose? SIP Tax saver bonds Lumsome invest Others MIP, FMP and Debt bonds etc.

Q11. If you have 1, 00,000 Rs. currently than how you will invest?

70 Total in share market Part of FD and part in share market P.A. Total in Mutual Fund Total in plans which gives return of 8 10 %