CFP 2010-11 Report

1FPSB INDIA ANNUAL REPORT | 2010 - 2011 |



Between You and MeAnnual 2010-11

The year 2010-11 has witnessed a definite trend towards investor friendly measures in India with more transparency in the operations of industry players who offer financial products and services especially in the domain of Personal Finance. The investor protection is on top of the agenda of the regulators with a drive towards a responsible financial intermediation. This is in congruence with such measures world over as governments are taking measures to infuse fiduciary responsibility in financial products distribution and advisory.

In the domain of Financial Planning too, the public perception of need-based and holistic Financial Planning has gained credence over the years. Many financial advisors have already been building up skill sets to address growing customer requirements for a holistic and unbiased financial advisory. The coming times require Financial Planners to reorganize their practice and move on to the application of the techniques of segmentation, branding and relationship management for shaping up their practice to the next level.

During the year 2010-2011, around 5,000 students and other professionals registered for the CFPCM

Certification Program, approximately 25% more than previous year. This took total number of enrollments in the Program to over 21,500. A total of 9,561 candidates appeared in exams of CFP certification, with a success ratio of 48% in Exam 1 – 4 and 64% in Exam 5. The number of professionals entitled to the use of CFPCM marks grew by 34% during the year to 1,409 in number. The growth in the number of CFPCM certificants over the last three years has been 57% per annum on a CAGR basis. In addition, there are over 900 candidates who have cleared all the exams of CFP certification and are at various stages of acquiring experience. FPSB India has recently launched a Mentorship Program (One-Year Supervised Work Experience), which would facilitate such candidates to approach a select panel of CFP Practitioners throughout India for undergoing one-year intensive training in various components of Financial Planning. This Program is voluntary. This is expected to drive practice standards of Financial Planning in the industry.

FPSB India has always been at the forefront for advocating client centric and advisory nature of financial intermediation. This notion is central to Financial Planning and creates a strong base for regulatory convergence as well. Going forward we would continue with our efforts to scale up the Financial Planning movement in the country and work closely with all stakeholders for further augmentation of Financial Planning profession in the country. We look forward to the continuance of your worthy patronage and support in our efforts to enhance and augment the Financial Planning profession in the country and helping India’s Wealth Quotient on an upward spiral.

Warm Regards,

Ranjeet S MudholkarPrincipal Advisor and Member-Board of Directors, FPSB India

AJ

Rectangle



MeMbership / CFpCM proFessional statistiCs1

Categorynumber at end of

March, 2011number at end of

March, 2010percentage growth

CFPCM certificants 1,409 1,049 34.32%

Student 21,688 17,297 25.39%

AFP 156 95 64.21%

Corporate 50 50 --

1. Number of CFPCM certificants and change since last quarter

2. Demographic information on CFPCM certificants

Gender number percentage of totalMale 1,149 81.55%

Female 260 18.45%

age number percentage of totalNo age given 0 --

20-29 250 17.74%

30-39 585 41.52%

40-49 408 28.96%

50-59 140 9.94%

60+ 26 1.85%

82%

18%

Demographic Information on CFPCM Certificants Number (Gender Wise)

Male

Female

18%

41%

29%

10%

2%

Demographic Information on CFPCM Certificants Number(Age Wise)

Age 20-29

Age 30-39

Age 40-49

Age 50-59

Age 60+


Membership / CFpCM Professional Statistics

Years of experience number of CFpCM professionals percentage of total0-5 477 33.85%

6-10 171 12.14%

11-15 131 9.30%

16-20 185 13.13%

20+ 445 31.58%

No experience given 0 --

Student Member Enrollment Statistics20010-11 enrollments

termapr 10

May10

Jun10

Jul10

aug10

sep10

oct10

nov10

Dec10

Jan11

Feb11

Mar11

total

total 328 257 471 530 544 408 329 294 525 283 202 220 4,391

enrollments & Growth rate (Year-wise)

enrollment Year no of enrollments Growth rate2002 -2003 284 NA

2003 -2004 684 140.85

2004 -2005 852 24.56

2005 -2006 1,608 88.73

2006-2007 2,443 51.87

2007-2008 4,196 71.75

2008-2009 3,867 (7.90)

2009-2010 3,363 (12.98)

2010-2011 4,391 30.57

total 21,688

34%

12%

9%

13%

32%

Demographic Information on CFPCM Certificants(Experience Wise)

0-5 Years

6-10 Years

11-15 Years

16-20 Years

20+ Years

0

5000

10000

15000

20000

25000

Student Enrollments

Number of Student Enrollments

0500

100015002000250030003500400045005000

CFPCM Certification

Number of People Eligible for CFP Certification

Number of People who have passed all 5 Examinations



CFpCM certificantsindependent Practitioners

(i)

Corporate Executives

(C)others (o)

total eligible

spl. Case#not*

eligibleGrand total

Grandfatherees (GF) 8 (GFI) 24 (GFC) 7 (GFO) 39 1 -- 39

Education Provider (EP) -- -- -- -- -- -- --

Challenge status (Cs) -- -- -- -- -- -- --

total 8 24 7 39 1 -- 39

Details of CFpCM certificants’ statistics: 31st March, 2003


(i)


(C)others (o)

total eligible

spl. Case#not*

eligibleGrand total


Education Provider (EP) -- -- -- -- -- -- --


total 8 66 8 82 1 -- 82



(i)


(C)others (o)

total eligible

spl. Case#not*

eligibleGrand total


Education Provider (EP) 19 (EPI) 5 (EPC) 2 (EPO) 26 -- 1 27


total 28 90 10 128 1 1 129


Statistics of CFPCM certificants:


(i)


(C)others (o)

total eligible

spl. Case#not*

eligibleGrand total

Grandfatherees (GF) 6 (GFI) 80 (GFC) 6 (GFO) 92 1 15 107

Education Provider (EP) 23 (EPI) 23 (EPC) 7 (EPO) 53 1 3 56


total 29 103 13 145 2 18 163

Details of CFpCM Certificants’ statistics: 31st March, 2006


(i)


(C)others (o)

total eligible

spl. Case#not*

eligibleGrand total



Challenge status (Cs) -- 11 (CSC) -- 11 -- -- 11

total 59 156 24 239 2 43 282

Details of CFpCM Certificants’ statistics: 31st March, 2007




(i)


(C)others (o)

total eligible

spl. Case#not*

eligibleGrand total



Challenge status (Cs) 4 (CSI) 24 (CSC) 1 (CSO) 29 1 0 29

total 103 229 33 365 5 110 475



(i)


(C)

others (o)

total eligible

Fees paid

Fees not paid

spl. Case#

not* eligible

Grand total

Grandfatherees (GF) 5 (GFI) 58 (GFC) 7 (GFO) 70 55 15 1 37 107

Education Provider (ep)

131 (EPI) 401 (EPC) 51(EPO) 583 453 130 3 303 886

Challenge status (Cs) 10 (CSI) 118 (CSC) 7 (CSO) 135 87 48 4 1 136

total 146 577 65 788 595 193 8 341 1129


# Included in Total Eligible and considered in paid category

* Not Eligible Candidates are those who have passed all the 5 Examinations but are not eligible for CFPCM

certification due to inadequate Experience, incomplete documents and non payment of fees for the previous

year.



(i)


(C)

others (o)

total eligible

Fees paid

Fees not paid

spl. Case#

not* eligible

Grand total

Grandfatherees (GF) 4 (GFI) 51 (GFC) 1 (GFO) 56 55 1 51 51 107

Education Provider (EP) 282 (EPI) 586 (EPC) 10 (EPO) 878 793 85 106 745 1623

Challenge status (Cs) 28 (CSI) 263 (CSC) 1 (CSO) 292 201 91 18 19 311

total 314 900 12 1226 1049 177 175 815 2041



(i)


(C)others (o)

total eligible

Fees not paid

not eligible due to

total not

eligible

Grand total

Grandfatherees (GF) 4 (GFI) 51 (GFC) 1 (GFO) 56 31 21 52 4 51 0 51 107

Education Provider (ep)

338 (EPI) 812(EPC) 55(EPO) 1205 58 977 1,035 170 156 927 1083 2,288

Challenge status (Cs) 58 (CSI) 398 (CSC) 3 (CSO) 459 13 309 322 137 66 3 69 528

total 400 1,261 59 1,720 102 1,307 1,409 311 273 930 1203 2,923

Fees for FY 2010 - 11

totalrecd.

before31st Mar 10

recd.After

31st Mar 10

non-payment

incomplete Documents


CoMMuniCations / publiC awareness2Media & pr updateFPSB India conducted mass awareness campaigns on Financial Planning issues and promotion of the CFPCM Mark in leading national Newspapers & Business Magazines. The following are the clippings, which were published during the period of 1 April 2009 – 31 March 2010.

DireCt ClippinGs For the Month oF MaY 2010

Monika halan , CFpCM (AUTHORED ARTICLES)

s/no. Date headline Publication

1 29-Jul-09 Expense Account: Financial Products and the circle of wealth Mint

2 22-Jul-09 Expense Account: Wealth Managers for rural India, Anyone? Mint

3 15-Jul-09 Expense Account: Mindset or Luck; what makes people rich? Mint

4 7-Jul-09 Expense Account: Budget 2009 aims at achieving trident goals Mint

5 7-Jul-09 FM's cash transaction from India to Bharat DNA Money

6 1-Jul-09 Expense Account: Of exploding toasters and sugared 'sandesh' Mint

FinanCial planninG stanDarDs boarD inDia reCeives top rankinG For CFpCM CertiFiCation PROgRAM FROM gLObAL STAnDARDS-SETTIng bODy -

PRInT (InITIATED by LInOPInIOn)


1 26-Apr-10 FPSB India's certification program gets top ranking Chandibhoomi

2 25-Apr-10 FPSB India's certification program gets top ranking Nayalokyug

3 24-Apr-10 FPSB India's certification program gets top ranking Himprabha

4 20-Apr-10 FPSB program gets top ranking Dainik Tribune

5 20-Apr-10 FPSB India's certification program gets top ranking Uttam Hindu

RELIAnCE MUTUAL FUnD TIES UP wITH FInAnCIAL PLAnnIng STAnDARDS bOARD InDIA - PRInT (InITIATED by LInOPInIOn)


1 26-Apr-10Reliance Mutual Fund ties up with Financial Planning Standards Board India

Chandibhoomi


Nayalokyug


Hindustan


Desh Pyar

PROFILIng - MR. RAnjEET MUDHOLkAR / FPSb InDIA


1 26-May-10 The safe keepers Hindustan Times

2 4-May-10 Distributor turning into Financial Advisors Hindustan Times


Gaurav Mashruwala, CFpCM


1 Jun-10 Why we should celebrate the tortoises Money Today

2 Jun-10 The fund route to assets Money Today

3 30-May Don’t blindly buy life insurance Sunday Times

4 19-May-10 Loan application process Outlook Money

5 14-May-10 Financial planning Business Standard

6 14-May-10 Kids of money-smart parents start early Mint

7 6-May-10 IRDA steps won't make Ulips more attractive Times of India

8 2-May-10 It's true: wealth does not equal happiness. Sunday Times

suresh saDaGopan, CFpCM


1 Jun-10 In whose interest Money Today

2 28-May-10 Fund allocation for best education's no child's play Economic times

3 28-May-10 Need a loan? Put your idle4 gold to use Mint

4 27-May-10 Unit linked plans:more LIP servicr Business Standard

5 17-May-10 Certification for MF distributors cant do much DNA

lovaii navlakhi, CFpCM


1 28-May-10 Be prepared; cover your risks before its too late Economic Times

2 21-May-10 Take a SIP to cut your lump sum investment risks Economic Times

3 14-May-10 Look for advisors who have your interest at heart Economic Times

4 6-May-10 Give your fixed income plans an MF edge Economic Times

PRERAnA SALASkAR-APTE, CFPCM


1 26-May-10 Spice up your investment portfolio with more of equity Economic Times

2 25-May-10 Kick - start your career on a healthy note Economic Times

3 19-May-10 Lower expenses , a better job will help buy that dream home Economic Times

4 12-May-10 Trim your expenses & create an emergency fund Economic Times

5 11-May-10 Guys start planning a finacially a secure future Economic Times

6 5-May-10 You can get closer to your goals, SIP by SIP Economic Times

aMar panDit, CFpCM


1 24-May-10 Amar Pandit: wealth manager Mumbai Mirror

2 7-May-10 Unit linked pension plans may lose charm Business Standard

3 5-May-10 Cash may offer you comfort, not returns Economic Times

arnav panDYa, CFpCM


1 30-May-10 Creditworthy can go awry Business Standard

2 30-May-10 Know your note Business Standard

3 23-May-10 Cash options for foreign travel Business Standard

4 16-May-10 Don’t be confused by face value Economic Times

5 9-May-10 Declare the correct investment details Business Standard

6 2-May-10 A gift should not make you sweat. Business Standard

Communications/Public Awareness


swapnil pawar, CFpCM


1 2-Jun-10 The right strategy Outlook Money

2 5-May-10 The right strategy Outlook Money

suMeet vaiD, CFpCM



2 11-May-10 Transfer EPF money when you quit Business Standard

3 10-May-10 Who rules your finances? Indian Express


veer sarDesai, CFpCM


1 24-May-10 Equities: safe way to invest Indian Express

2 19-May-10 Ensuring a smooth learning curve Outlook Money

kartik Jhaveri, CFpCM


1 20-May-10 Cap on surrender fee to make Ulips transparent Economic Times

2 19-May-10 The Right Strategy Outlook Money

bs tutorial bY JaYant pai


1 30-May-10 Financial Literacy Business Standard


3 16-May-10 Financial literacy Business Standard



other ClippinGs For the Month oF MaY 2010


1 3-Jun-10 Death of intermediation Money Life

2 31-May-10 Query Corner Economic Times

3 30-May-10 Learning curve Economic Times


5 28-May-10 Better Late Than Never: its always the right time to start a plan Mint

6 24-May-10 Overseas picking Financial Chronicle



9 19-May-10 What the loans cover Outlook Money

10 19-May-10 Education first Hindustan Times

11 19-May-10 Easy money or debt trap, choice is yours Economic Times




15 10-May-10 Build a shield against likely market storms Economic Times


17 7-May-10 Borrow if you must, but have a clean credit score Economic Times



OTHER CLIPPIngS FOR THE MOnTH OF MAy 2010 (COnT....)


18 7-May-10 Three personal finance blogs to watch Mint

19 6-May-10 Receding Charm Business Standard

20 5-May-10 A diverse vision Outlook Money

21 3-May-10 Career Charter Times of India


23 3-May-10 MF with smaller portfolio risky, but can work better. Financial Chronicle

24 3-May-10 Toast to the fourth estate Times of India

25 April-10 Simple ways to make the most of the new budget New Women

inDustrY CoveraGe For the Month oF MaY 2010


1 Jun-10 The healthy approach Money Today

2 2-Jun-10 Simplicity is the key Outlook Money

3 31-May-10 Plan it right, from cradle to wedlock Indian Express

4 29-May-10 Diversified investment is best Asian Age

5 29-May-10 Is crashing market good to buy or sell? Asian Age

6 28-May-10 NRIs can purchase insurance in India DNA

7 26-May-10 Rec bonds are a good investing bet Hindu business line

8 23-May-10 Focus on debt,equity & gold Hindu Business Line

9 22-May-10 Equity helps to beat inflation Asian age

10 22-May-10 Insurance is key in financial planning Asian age

11 22-May-10 Setting and achieving your financial goals Afternoon D&C

12 21-May-10 Invest in gold, but via ETFs Business Standard

13 21-May-10 Only forex on your person need be declared on arrival DNA

14 19-May-10 The coast of hope Outlook Money

15 16-May-10 Fund jugglers Economic Times

16 15-May-10 Monthly income needs focus Asian age

17 15-May-10 Teach your kid to become financially smart Afternoon D&C

18 12-May-10 When it comes to equity there can be no guarantees DNA

19 5-May-10 Making sense of stock splits ,bonus issues& share buybacks DNA

20 5-May-10 The battle of ULIPS Outlook Money

21 5-May-10 A diverse vision Outlook Money

22 1-May-10 Safeguard your family's future DNA



DireCt ClippinGs For the Month oF June 2010

FinanCial planninG ConGress 2010


1 22-Jun-10 Financial leaders stress on investor trust Hindustan Times

2 22-Jun-10 RBI assessing impact of flexible yuan on exchange rates, trade DNA Money

3 22-Jun-10 Picasso , sexy not scalable DNA Money

Fpsb inDia / CFpCM


1 24-Jun-10 Mutual fund agent Mint

2 20-Jun-10 30 plus dilemma [Quotes: Aditya Gadge, CFP] Economic Times

3 6-Jun-10 Roof over your head [Quotes: Aditya Gadge, CFP] Economic Times

4 Jun-10 Financial Planning Entrepreneur



1 Jul-10 Before you invest Money Today

2 29-Jun-10 The mechanics of an education loan Mint

3 29-Jun-10An ETF or equity diversified fund? (also quotes Malhar Majumdar)

Business Standard

4 22-Jun-10 NFOs hobble on schools, weddings DNA Money

5 21-Jun-10 Commissions lowered, but number of MF agents rising Mint

6 17-Jun-10DTC rethink on cut in tax exemptions (also quotes Arnav Pandya)

Business Standard

8 10-Jun-10 All that glitters is actually, gold Business Standard

9 5-Jun-10 Don’t chase every new issue : Experts Times of India

10 4-Jun-10 Invest beyond umbrellas DNA Money

11 4-Jun-10 Earning well making it work DNA Money

12 2-Jun-10 Gold has steam left. Buy, hold , sell? (also quotes Ranjit Dani) Mint



1 29-Jun-10 More insurance, less investment Business Standard

2 27-Jun-10 Your budget's gone for a toss again Business Standard

3 27-Jun-10 A wealth of warmth Sunday Times

4 26-Jun-10 Show me the money Times of India

5 17-Jun-10 Stock market investments may be subject to tax risks Business Standard

6 17-Jun-10DTC fine print may be taxing for you (also quotes Suresh Sadagopan)

Times of India

7 13-Jun-10 Rich with attitude Sunday Times

8 9-Jun-10Use 20% of your salary to repay debts, say experts (also quotes Kartik Jhaveri)

Financial Chronicle

9 7-Jun-10 Missed the gold rush ?Weigh your options now Financial Chronicle





1 25-Jun-10 Asset diversification is key to a secure future Economic Times

2 23-Jun-10 The road ahead The Week

3 18-Jun-10 When should you exit your MF investment? Economic Times

4 17-Jun-10 Retire early from your work and financial worries Mint

5 16-Jun-10 The right strategy Outlook Money

6 11-Jun-10 Keep an eye on Re value before going for gold Economic Times

7 4-Jun-10 Debt MFs: A viable option for NRI's to enter India Economic Times



1 30-Jun-10 Cut expenses and create a balanced portfolio Economic Times

2 23-Jun-10 Take PPF and gold ETF routes for steady returns Economic Times

3 17-Jun-10 Direct Tax Code: Weigh your options (also quotes Ranjit Dani) Economic Times

4 16-Jun-10 Maintain the recommended equity debt ratio Economic Times

5 9-Jun-10 Start building a high yielding investment portfolio soon Economic Times

6 2-Jun-10 Optimise wealth creating potential of current income Economic Times

arnav panDYa, CFpCM


1 27-Jun-10 Good things in small packs Business Standard

2 27-Jun-10 Base rate: Focus on customer profile Business Standard

3 20-Jun-10 TDS :Change coming your way Business Standard

4 13-Jun-10 Investing Abroad-The fine print in foreign investing Business Standard

5 6-Jun-10 Change your old banking habits Business Standard

pankaJ Mathpal, CFpCM


1 28-Jun-10 Query corner : Pankaj Mathpal Economic Times


3 15-Jun-10 PSU Funds- Good, but don’t go overboard Business Standard


5 7-Jun-10How to crack the retirement nest egg (also quotes Veer Sardesai and Sumeet Vaid)

Mint




1 Jul-10 Under the cover Money Today

2 18-Jun-10 Get emergency funds using an FD overdraft Mint

3 8-Jun-10 Sector funds: Consistently better than benchmark Business Standard

4 4-Jun-10 Car Finance: Tread carefully Business Standard

5 2-Jun-10 MFs better than Ulips for pension plans :Experts Financial Chronicle



suMeet vaiD, CFpCM


1 21-Jun-10 Intelligent Investments Times of India

2 21-Jun-10 DTC may be a death knell for tax-saving MFs Financial Chronicle

3 14-Jun-10 One size does not fit all Indian Express

4 11-Jun-10 Financial Planning Business Standard

5 7-Jun-10 Five stages of life Indian Express



1 27-Jun-10 Financial Literacy Business Standard




other ClippinGs For the Month oF June 2010


1 1-Jul-10Things to do when you're in your 20's (It quotes Sandeep Chimanlal Vasa, CFP)

Money Life

2 Jul-10 Query Corner (It quotes Karthikeyan Jawahar, CFP) Money Today

3 24-Jun-10Plan ahead for dream home (It quotes Rishi Nathany, CFP and Abhishek Gupta, CFP)

Economic Times

4 22-Jun-10Know your Ulip well before investing (It quotes Sajag Sanghvi, CFP)

Times of India

5 17-Jun-10 Use credit card responsibility (It quotes Veer Sardesai, CFP) Mint

6 11-Jun-10 Money Life in mess? Trust technology Mint

7 3-Jun-10When markets are directionless (It quotes Malhar Majumdar, CFP)

Business Standard



1 30-Jun-10 Act IV, scene 2: Ulip clean up Mint

2 23-Jun-10 Sebi-Irda tiff: who wins, who loses Mint

3 16-Jun-10 Calvinball works for 2, not 188 mn Mint

4 9-Jun-10 Season of uniform financial reform- Expense Account Mint

5 2-Jun-10 A Suitable financial product- Expense Account Mint

surYa bhatia, CFpCM


1 28-Jun-10Performance, pedigree and risk assessment key to choosing MFs

Mint

2 21-Jun-10 MIPs don’t necessarily give regular monthly income Mint

3 10-Jun-10You can buy funds from the stock exchange the way you buy scrips

Mint

4 7-Jun-10Index funds should form the core of portfolio meant for long term

Mint

aMit suri, CFpCM


1 25-Jun-10 Query Corner- Insurance Economic Times






inDustrY CoveraGe For the Month oF June 2010


1 28-Jun-10 Planning for a rainy day Economic Times

2 28-Jun-10 Get a plan for yourself Indian Express

3 26-Jun-10 Charity must begin at home Asian Age

4 23-Jun-10 Opportunity open in tax saving FD's DNA Money

5 19-Jun-10 Look before you leap before investing Asian Age

6 19-Jun-10 Start investing through SIPs Asian Age

7 18-Jun-10 Exemption limit for NRIs is Rs 1.6 lakh Economic Times

8 17-Jun-10 DTC shock: Short term can be 2 yrs DNA Money

9 16-Jun-10 Don’t fall prey to these tax myths DNA Money

10 16-Jun-10 Good & bad news for the taxpayer DNA Money

11 16-Jun-10 Time to get cracking Outlook Money

12 14-Jun-10 Make your money last longer Indian Express

13 14-Jun-10 Choice of fund can make a difference Indian Express

14 13-Jun-10 Whats your portfolio Business Standard

15 12-Jun-10 Invest in SIP's to beat inflation Asian Age

16 12-Jun-10 Easy ways to make use of real estate Asian Age

17 11-Jun-10 Days of arrival and departure are 'in India' DNA Money

18 9-Jun-10 Buy term insurance and invest the difference DNA Money

19 4-Jun-10 NRIs don’t need permission to open and operate NRO a/c DNA Money

20 2-Jun-10 Stop TDS if you are not liable to tax DNA Money



DireCt ClippinGs For the Month oF JulY 2010

FpCil anD nisM launCh CFp Course For FinanCial aDvisors


1 1-Aug-10 New certification exam for financial advisors Arthaniti

2 31-Jul-10Sebi and Financial Planning Corporation start Financial

Planning Certification course Loksatta

3 16-Jul-10 Sebi and NISM reach a settlement Janpat Samachar

4 15-Jul-10 NISM and FPCIL reach settlement Kesari

5 13-Jul-10 New certification exam for financial advisors Lokmat

6 12-Jul-10 NISM, FPCIL to launch exam for fin advisors Mumbai Lakshdeep

7 12-Jul-10 NISM, FPCIL to launch exam for fin advisors Vyapar(H)

8 10-Jul-10 NISM, FPCIL to launch exam for fin advisors Hamara Mahanagar

9 10-Jul-10 New certification for financial advisors Prabhat

10 9-Jul-10 New certification for financial advisors Mumbai Mitra

11 9-Jul-10 Norms soon for physical delivery in F&O Hindu Business Line

12 9-Jul-10 Norms for physical settlement in derivatives by month end DNA Money

13 9-Jul-10 F&O delivery settlement norms this month: Sebi Financial Chronicle

14 9-Jul-10 Certification for financial advisors soon Financial Chronicle

15 9-Jul-10 Now SEBI may police financial distributors Hindustan Times

16 9-Jul-10 NISM, FPCIL to launch exam for fin advisors Financial Express

17 9-Jul-10 Norms for physical settlement in derivatives this month:Bhave Business Standard

18 9-Jul-10 New certification for financial advisors Mint

19 9-Jul-10Sebi may approve physical delivery settlement in derivatives in a month

Economic Times

20 9-Jul-10 Certified Financial Planning exam Mumbai Tarun Bharat

21 9-Jul-10Sebi and Financial Planning Corporation start Financial Planning Certification course

Mumbai Sandhya (H)

22 9-Jul-10 Financial Planning Certification course Prahaar

23 9-Jul-10Sebi may approve physical delivery settlement in derivatives in a month

Economic Times(G)

24 9-Jul-10 NISM, FPCIL to launch exam for fin advisors Raj Express

25 8-Jul-10 Today what where? (Listing) Sakal



1 27-Jul-10 Everyone should have systematic investment plan DNA Money

2 26-Jul-10 Furnish correct info while filing tax returns Times of India

3 20-Jul-10 Look at portfolio diversifiers to beat inflation Business Standard

4 6-Jul-10 Why not back load the insurance commissions? DNA Money

5 6-Jul-10 RBIs next rate hike may hit debt MFs Times of India

6 2-Jul-10Divorce is easy so is managing money (Quotes: Gaurav Mashruwala)

Mint



1 25-Jul-10 Financial Literacy Business Standard








1 28-Jul-10 Rush to take loans, invest short term Business Standard

2 25-Jul-10 Starting out right Times of India

3 21-Jul-10 Assess costs before you go for higher health cover Economic Times

4 16-Jul-10 A better option for businessmen than salaried Business Standard

5 11-Jul-10 Where's the back up plan? Times of India

6 5-Jul-10 IRDA norm on pension products draws flak Times of India

7 2-Jul-10 Cap protection funds leave HNIs high 'n' dry Economic Times



1 30-Jul-10 Make your funds work real hard with liquid plus funds Economic Times

2 28-Jul-10 The Right Strategy Outlook Money

3 23-Jul-10 Ignore blips, managing personal finance is for long term Economic Times

4 16-Jul-10 Try out pension fund, but put Ulip plans on hold Economic Times

5 14-Jul-10 The Right Strategy Outlook Money

6 9-Jul-10 Let your financial goal decide your equity investments Economic Times

7 2-Jul-10 It still makes sense to invest in market through SIPs Economic Times



1 28-Jul-10 Buy a term policy and start investing in equity funds Economic Times

2 21-Jul-10 Invest 60% of surplus funds in equity, 40% in debt Economic Times

3 14-Jul-10 Portfolio restructuring will give more bang for the buck Economic Times

4 7-Jul-10 Buy the right term plan & build an emergency fund Economic Times

arnav panDYa, CFpCM


1 30-Jul-10 Choose MF with a mix of asset classes Financial Chronicle

2 23-Jul-10 Return potential is what matters, not cost savings Financial Chronicle

3 19-Jul-10 How to make the most of infrastructure bonds Financial Chronicle

4 18-Jul-10 Stuck on cost? Look beyond Business Standard

5 18-Jul-10 Stable port in changing times Business Standard

6 11-Jul-10 Getting your tax details accepted Business Standard



1 26-Jul-10 Query Corner Economic Times


3 16-Jul-10 Be prepared for your child's education (Quotes: Kartik Jhaveri) Business Standard





1 29-Jul-10 Same old advice: Avoid hybrid insurance plans Business Standard

2 28-Jul-10 How we will pay our taxes ( Quotes : Veer Sardesai) Outlook Money

3 30-Jun-10 The Right Strategy Outlook Money



suMeet vaiD, CFpCM


1 23-Jul-10 Despite new regime, teaser rates still around Mumbai Mirror

2 16-Jul-10 Status quo, despite the switch to base rates Mumbai Mirror

3 15-Jul-10 Stocks've got the bounce but let experts handle them Economic Times

4 2-Jul-10 Financial Planning Business Standard



1 28-Jul-10 SKS microfinance: giant squid, 'devta' or just a business? Mint

2 21-Jul-10 Recall the Ulip product. Compensate those mis-sold Mint

3 14-Jul-10 Three avatars and 10 % growth Mint

4 7-Jul-10 Sunlight is the best disinfectant Mint

surYa bhatia, CFpCM


1 30-Jul-10Saving money through hospital cards (Quotes: Malhar Majumder)

Business Standard

2 26-Jul-10 Hold MFs for atleast three years to get decent returns Mint

3 25-Jul-10 The value of finer arithmetic Business Standard

4 19-Jul-10Invest in a mix of equity, hybrid and debt funds to ensure stability

Mint

5 12-Jul-10 In the short or medium term, balanced funds work well Mint

6 5-Jul-10 Your savings should be spread across different asset classes Mint

aMit suri, CFpCM


1 30-Jul-10 Query Corner: Insurance Economic Times





other ClippinGs For the Month oF JulY 2010


1 30-Jul-10 BFSI :A Conversation Mint

2 30-Jul-10Big returns don't come without taking big risks ( By Kartik Varma)

Economic Times

3 28-Jul-10 Commercially viable Hindustan Times

4 25-Jul-10 Waiting for another balancing act ( By Amar Pandit) Business Standard

5 19-Jul-10 Are ulips right for you ? (By Veer Sardesai) Indian Express

6 18-Jul-10 How faithful are you, financially ? ( Quotes Sangeeta Chitnis) DNA Money

7 15-Jul-10 Earning Curve Money Life

8 12-Jul-105 ways to declare financial independence (Quotes: John Chladek)

Financial Chronicle

9 12-Jul-10 How much interest income to generate? (By Veer Sardesai) Indian Express

10 10-Jul-10 Avenues for real estate investments (By Vishal Dhawan) Asian Age

11 8-Jul-10 File your wealth tax returns (Quotes: Govind Pathak) Business Standard

12 6-Jul-10Look at other options for pension needs (Quotes: Malhar Majumder)

Business Standard

13 2-Jul-10Living dead can fend for themselves (By Harsh Vardhan Roongta)

DNA Money

14 1-Jul-10 Curious case of the missing MF agent Mint



DireCt ClippinGs For the Month oF auGust 2010

FpCil anD nisM announCe Mou For a CertiFiCation exaMination For FinanCial aDvisors


1 15-Jul-10Financial Planning Corporation announces Memorandum Of Understanding

Maadhyam

2 13-Jul-10 NISM and FPCIL reach settlement Avadhnama

3 13-Jul-10NISM and Financial Planning Corporation announces Memorandum Of Understanding

Prachalit

4 13-Jul-10 Sebi, FPSB and SBI have a settlement Punjab Kesari

5 13-Jul-10 Certification exam for financial advisors fully approved Samachar Jagat

6 11-Jul-10 FPSB and Sebi tie up Mahaka Bharat



1 30-Aug-10 SIP best bet for long-term goals Times of India

2 29-Aug-10 Crossed 45 and panicking? Business Standard

3 27-Aug-10 Into your first job? 6 mistakes to avoid Mint

4 23-Aug-10Guarantee a loan, but at your own risk ( Also Quotes Kartik Varma)

Mint

5 23-Aug-10Young exec's brush with art & investment (Also Quotes Amar Pandit)

Times of India

6 22-Aug-10 Surplus management : prepay or invest Business Standard

7 19-Aug-10Don't rush in,FD rates could go up further (Also Quotes Kartik Jhaveri)

Economic Times

8 15-Aug-10 Keep the smile going Business Standard

9 11-Aug-10 Plan ahead to welcome family's new member Economic Times

10 11-Aug-10 Deciphering mutual fund statements Business Standard

11 10-Aug-10 Your guide to a better cash flow DNA Money

12 8-Aug-10 Be your own investing guru Business Standard

13 8-Aug-10 Before You Invest Business Today

14 6-Aug-10 Getting around the cashless imbroglio DNA Money

15 4-Aug-10 Buying a policy in India is cheaper Business Standard

16 1-Aug-10 Come into my parlour Money Today

17 1-Aug-10 Quotes Money Today

aDitYa GaDGe, CFpCM


1 22-Jun-10 Financial leaders stress on investor trust Hindustan Times

2 22-Jun-10 RBI assessing impact of flexible yuan on exchange rates, trade DNA Money

3 22-Jun-10 Picasso , sexy not scalable DNA Money



1 30-Aug-10 Query corner Economic Times









1 28-Aug-10 Save your finances Times of India

2 22-Aug-10 Think global, act local Times of India

3 18-Aug-10 Financial Planning Business Standard

4 11-Aug-10 The Right Strategy Outlook Money

5 9-Aug-10Don't look at dividend to pick a fund (Also Quotes Kartik Jhaveri)

Financial Chronicle

6 8-Aug-10 Half the battle won Times of India

7 6-Aug-10 New valuation norms make debt funds volatile Financial Chronicle



1 27-Aug-10 Investment advice: to each according to his need Economic Times

2 25-Aug-10 The right strategy Outlook Money

3 22-Aug-10 Down the pitch Economic Times

4 20-Aug-10 Do MF investors need distributor, or is it vice-versa? Economic Times

5 14-Aug-10 A do-it-yourself guide to making your crores Hindustan Times

6 13-Aug-10 Mutual funds pay the price for 'loading' it over Economic Times

7 6-Aug-10 Investing in g-Secs? Space out entry for better returns Economic Times



1 25-Aug-10 Build equity assets through large-cap diversified MFs Economic Times

2 11-Aug-10 A disciplined investment plan can deliver the goods Economic Times

3 4-Aug-10 Add to your equity SIP, buy a term policy Economic Times

arnav panDYa, CFpCM


1 30-Aug-10 Infrastructure bonds: It's a different ball game Financial Chronicle

2 23-Aug-10 Incomplete details can hurt your investments Financial Chronicle

3 23-Aug-10 How will Ulips be different from now Financial Chronicle

4 20-Aug-10 Check facts before selling mutual fund holding Financial Chronicle

5 16-Aug-10 Use your credit card smartly to get the best of it Financial Chronicle

6 13-Aug-10 Debt funds are risky and volatile too Financial Chronicle

7 10-Aug-10 High inflation index to help save tax on gains Financial Chronicle

8 9-Aug-10 Coverage of diseases a key factor in medical insurance Financial Chronicle

9 6-Aug-10 It's a problem of plenty for mutual funds investors Financial Chronicle

10 2-Aug-10 Make the most of available tax-saving instruments Financial Chronicle



1 12-Aug-10 Choose riders on cover carefully Business Standard

2 10-Aug-10Cashless row: Don't rush to change health cover (Also Quotes Gaurav Mashruwala & Amar Pandit)

Times of India

3 8-Aug-10 For the people The Week





1 30-Aug-10 Insure your parents with stand-alone medical cover Mint

2 23-Aug-10 Use senior citizens scheme to ensure income Mint

3 18-Aug-10 Do what governments do: use inflation to reduce your loan Mint

4 16-Aug-10 The excess funds dilemma: invest or prepay loan? Mint

5 11-Aug-10 Of investments & preponed flights Mint

6 4-Aug-10 A level playing field- after a year? Mint

7 2-Aug-10 Siruseri in Chennai may soon have a bubble-like situation Hindustan Times

surYa bhatia, CFpCM


1 27-Aug-10 Basic financial goals include retirement and child's education Mint

2 23-Aug-10If you have a lump sum to invest, take a systematic transfer plan

Mint

3 16-Aug-10 Few funds dedicated to power sector and all are closed-end Mint

4 9-Aug-10 Mid-cap funds carry a slightly higher risk than large-caps Mint

5 3-Aug-10Earn more on your deposits as banks hike rates (Also Quotes Amar Pandit)

Hindustan Times

6 2-Aug-10 In ELSS SIPs, the 3-year lock- in applies on each installment Mint

aMit suri, CFpCM


1 27-Aug-10 Query Corner - Insurance Economic Times




suMeet vaiD, CFpCM


1 27-Aug-10 Financial Planning Business Standard

2 26-Aug-10 Special home loan offers galore despite rate hikes Financial Chronicle



1 30-Aug-10 What you should do with fund laggards Economic Times

2 24-Aug-10 Put some wheels under the tortoise Mint

3 23-Aug-10 New kid on the block packs a punch Indian Express

4 9-Aug-10 To accept or not to accept an offer Indian Express

aMar panDit, CFpCM


1 20-Aug-10Is FD power on the wane? Not really, say experts (Also Quotes Surya Bhatia)

Hindustan Times

2 17-Aug-10 Special children need special financial plan Economic Times

3 15-Aug-10 Deal with debt carefully Business Standard

4 1-Aug-10 Rain Alert : Homes Are Cheaper Business Standard



JaYant pai


1 29-Aug-10 Financial Literacy Business Standard





other ClippinGs For the Month oF auGust 2010


1 30-Aug-10 Investors just want to have fun Mid-Day

2 28-Aug-10 In correction time, spread your risk (By Vishal Dhawan) Asian Age

3 27-Aug-10 Save before splurging (Quotes Malhar Majumder) Business Standard

4 19-Aug-10Useful addition to portfolio, but no harm waiting (Quotes Brijesh Dalmia)

Business Standard

5 16-Aug-10 A new paradigm (Quotes Parag Sonavane) Economic Times

6 5-Aug-10 Saving tax through parents, children Business Standard

7 4-Aug-10 Gold Investment Tip : Buy On Dips (Quotes Mukesh Dedhia) Business Standard

8 1-Aug-10 Query corner (Q&A by Karthikeyan Jawahar) Money Today



DireCt ClippinGs For the Month oF septeMber 2010

InTERACTIOn wITH RAnjEET MUDHOLkAR [PRInT]


1 27-Sep-10 How to save for a bright future? Sakal

2 18-Sep-10 Surf the sensex, ride the rates (Also quotes Surya Bhatia) Hindustan Times

3 8-Sep-10 Planning your finances Hindustan Times [Horizon]

InTERACTIOn wITH RAnjEET MUDHOLkAR [OnLInE]

s/no. Date link

1 18-Sep-10 http://www.hindustantimes.com/Surf-the-Sensex-ride-the-rates/Article1-601495.aspx



1 30-Sep-10 Double check before sharing a home loan Economic Times

2 30-Sep-10 Raising cash from long-term instruments Business Standard

3 27-Sep-10 Know your risks before investing Times of India

4 27-Sep-10 Galloping to new highs Financial Chronicle

5 26-Sep-10 Falling prey to brandwagon Business Standard

6 20-Sep-10 Asset allocation key to building corpus Times of India

7 19-Sep-10 Add the equity edge to your portfolio Business Standard

8 16-Sep-10 Expert Take - Avoid loan defaults to save your credit record Economic Times

9 15-Sep-10Old strategy best for new Ulips, too ( Also Quotes Karthik Jhaveri)

Economic Times

10 14-Sep-10 Get investment picks right, make smart exit for max gain Times of India

11 9-Sep-10 Consider taking a home loan now (Also Quotes Arnav Pandya) Business Standard

12 7-Sep-10 Make hay while the sun shines Business Standard

13 5-Sep-10 Saving tax when selling property Business Standard

arnav panDYa, CFpCM


1 27-Sep-10 Bank FD rates rise but fall short of requirements Financial Chronicle

2 24-Sep-10 Investors have little confidence in equity MFs Financial Chronicle

3 20-Sep-10Higher EPF rate poses challenge for MFs, other savings schemes

Financial Chronicle

4 17-Sep-10 Weigh pros and cons before you invest arbitrage funds Financial Chronicle

5 13-Sep-10 Date with advance tax: It could be your turn Financial Chronicle

6 10-Sep-10 Make the best use of ELSS till it is available Financial Chronicle

7 6-Sep-10 Reconfigure investments to reap benefits in DTC Financial Chronicle

8 3-Sep-10 Unit transfer facility to raise liquidity in MF investment Financial Chronicle



1 27-Sep-10 Bear the EMI size in mind while taking ahome loan Hindustan Times

2 22-Sep-10 Towards the end of being good Mint

3 15-Sep-10 You've been mis-sold a policy if.. Mint

4 13-Sep-10 A home loan leverages future income Mint

5 8-Sep-10 Your financial life is OK when… Mint

6 1-Sep-10 Ulips : re-made in India Mint



aMit suri, CFpCM


1 29-Sep-10 Query Corner - Insurance Economic Times







1 28-Sep-10SIP even as you invest directly (Also Quotes: Mukesh Dedhia and Brijesh Dalmia)

Business Standard

2 24-Sep-10 Expert Take - Watch out for hidden costs when buying property Economic Times

3 10-Sep-10Expert Take - Love of the 'land' often clouds NRI's investment decisions

Economic Times

4 8-Sep-10 The right strategy Outlook Money

5 3-Sep-10Expert Take - Make investor interest common cause to end MF woes

Economic Times



1 26-Sep-10 Miles to before they sleep Times of India

2 17-Sep-10 Equity or debt: The tussle is on Business Standard

3 9-Sep-10 Investor Queries: Financial Planning Business Standard

4 5-Sep-10 Early habits make all the difference Times of India



1 29-Sep-10 Cut the premiums & keep your cover Economic Times

2 29-Sep-10 Are smart home loan products smart enough? Mint

3 16-Sep-10Use your investments to borrow cheap (Also Quotes Rajesh Dalmia)

Economic Times

4 14-Sep-10 Benchmark lines up six sector ETFs for launch Mutual Fund Insight

surYa bhatia, CFpCM


1 24-Sep-10 Regular long- term investment give inflation-adjusted returns Mint

2 17-Sep-10Retirement is the most expensive goal and needs to be planned

Mint

3 16-Sep-10 Economy Shining Hindustan Times

4 10-Sep-10 If you are considering early retirement, plan it properly Mint

5 6-Sep-10 Term plans help you ensure your financial plan runs smoothly Mint

JaYant pai


1 26-Sep-10 Stars that blur your vision Business Standard

2 26-Sep-10 BS Tutorial - Financial Literacy Business Standard





suMeet vaiD, CFpCM


1 30-Sep-10Planners favour hiking equity exposure ( Also Quotes Gaurav Mashruwala & Kartik Jhaveri)

Financial Chronicle

2 30-Sep-10 Save for a rainy day & beat the debt trap, like grandpa Economic Times

3 27-Sep-10 Sensex at 20k again, where are you? Indian Express

4 22-Sep-10 Young pros need cover the most Economic Times

other ClippinGs For the Month oF septeMber 2010


1 24-Sep-10Don't plan your child's future with just returns in mind (Authored Article by Harsh Vardhan Roongta)

DNA Money

2 13-Sep-10 Take small SIPs even in a rising market (Quotes Ranjit Dani) Economic Times

3 9-Sep-10 Time to pay your advance tax (Quotes Priya Rao) Mint

4 8-Sep-10 Is the CFP course valid in India? Afternoon D & C

5 5-Sep-10 Identify the tell - tale signs (Quotes Malhar Majumder) Business Standard

6 1-Sep-10 Query corner (Financial issues by Karthikeyan Jawahar) Money Today

7 30-Aug-10Main feature - A winnning approach ( Interview by Rajesh Kumar Gupta)

Dalal Street Journal



1 16-Sep-10 Do quant funds qualify as quality investment? Business Standard

2 1-Sep-10 Costs reined in, Ulips win in the long term Mint

aMar panDit, CFpCM


1 27-Sep-10 20K: Bulls on parade Indian Express

2 24-Sep-10 Take four easy steps to that dream home Economic Times

3 15-Sep-10Expert Take - Traditional insurance plans remain an expensive option

Economic Times



1 1-Sep-10 Create a reserve fund to take care of emergency Economic Times



DireCt ClippinGs For the Month oF oCtober 2010



1 31-Oct-10 Chasing IPOs Business Standard

2 24-Oct-10 Should you pay for advice Business Standard

3 19-Oct-10 Double check before falling for builders' sops Times Of India

4 17-Oct-10 Festive binge can lead to debt trap Business Standard

5 16-Oct-10 SBI offers first of its kind retail bonds DNA Money

6 14-Oct-10Know where the buck stops for shopping (Also quotes Zankhana Shah)

Economic Times

7 11-Oct-10 Pick multi - caps funds to diversify portfolio Times Of India

8 10-Oct-10 Helping friends doesn't add to your wealth Business Standard

9 7-Oct-10Prepay your home loan the smart way (Also quotes Amar Pandit)

Economic Times

10 7-Oct-10Expert Take -Watch out before you cash in on your future income

Economic Times

11 3-Oct-10 Hope after the nightmare Business Standard

12 3-Oct-10 Drive carefully The Week (Wallet)

13 3-Oct-10 In whose interest? Business Today

14 1-Oct-10 Steer your investment in the right direction, get focused Mint

15 1-Oct-10Cracking the jargon: Market speak need not be all Greek (Also Quotes : Mukesh Dedhia)

Business Standard

arnav panDYa, CFpCM


1 29-Oct-10 Remain alert as your fund may go open-ended Financial Chronicle

2 25-Oct-10 Gold ATMs may have limited utility in India Financial Chronicle

3 22-Oct-10 Keep third parties out of mutual fund deals Financial Chronicle

4 18-Oct-10 Diversify assets to bring stability to your portfolio Financial Chronicle

5 15-Oct-10 Building a portfolio with monthly income plans Financial Chronicle

6 11-Oct-10 Cut your costs : Watch out for avoidable banking charges Financial Chronicle

7 8-Oct-10MFs: Keep yourself abreast with changing rules before investing

Financial Chronicle

8 4-Oct-10 Rising interest rate and hidden impact on capital EMIs Financial Chronicle

9 1-Oct-10 SIPs in favour, but tread smart before investing Financial Chronicle

surYa bhatia, CFpCM


1 29-Oct-10Even if your employer gives you health cover, buy it on your own

Mint

2 27-Oct-10 Profit booking in ESOPs can be taxing Business Standard

3 22-Oct-10 First decide how much you can save, then invest accordingly Mint

4 15-Oct-10 If investing in gold, be prepared to witness some volatility Mint

5 13-Oct-10Market rally a chance to correct past mistakes (Also Quotes: Malhar Majumder)

Business Standard

6 8-Oct-10 Tax saving should not be the factor determining investments Mint

7 4-Oct-10 How to book profits and stay balanced Mint

8 1-Oct-10 With interest rates hardening, FMPs make sense in debt space Mint





1 27-Oct-10 Cool. So we are not alone Mint

2 18-Oct-10 ETFs give index-linked returns on investments Mint

3 13-Oct-10 How to invest in a red hot market Mint

4 6-Oct-10 Moving from 'Have you eaten?' to 'Hi! How are you?' Mint

5 4-Oct-10 The basics of a good mutual fund portfolio Mint

aMar panDit, CFpCM


1 18-Oct-10 Live for today, dream for tomorrow Economic Times

2 18-Oct-10 Invest right to make smart gains (Also quotes : Jayant Pai) Economic Times

3 17-Oct-10 Baby steps for accountability Business Standard

4 14-Oct-10 Don't rush to prepay your housing loan Economic Times

5 10-Oct-10 Bull weather Business Standard

aMit suri, CFpCM


1 27-Oct-10 Query Corner - Insurance Economic Times




JaYant pai, CFpCM


1 31-Oct-10 Financial Literacy Business Standard





vishal Dhawan, CFpCM


1 26-Oct-10 A beginner's guide to infra bonds Economic Times

2 23-Oct-10 Think twice before you decide to spend Asian Age

3 11-Oct-10 In search of retirement plans (Also Quotes : Amar Pandit) Indian Express

4 9-Oct-10 Bank on fixed income deposits for benefits Asian Age



1 29-Oct-10 Withdrawals from child's life plan should be your last resort Financial Chronicle

2 14-Oct-10 Financial Planning Business Standard

3 10-Oct-10 We make a life by what we give Times Of India

4 6-Oct-10 Return dampeners Outlook Money



1 8-Oct-10 A quick fix for runaway EMIs Economic Times

2 5-Oct-10 Rebalance: from theory to practice (Also Quotes: Surya Bhatia) Mint

3 4-Oct-10 Returns from stocks and real estate Indian Express





1 29-Oct-10 Go for gold ETFs this diwali (Also Quotes: Rishi Nathany) Economic Times

2 20-Oct-10 The right strategy Outlook Money

3 13-Oct-10 Puzzled where to invest? Try out asset allocation Financial Chronicle

4 8-Oct-10 ETF returns trail physical gold gains Financial Chronicle



1 6-Oct-10 Know more than your agent & you shall prosper Economic Times

2 3-Oct-10 Road to revival The Week (Wallet)



1 27-Oct-10 Know the terms, stay protected Economic Times

2 10-Oct-10 Simplest way to participate in market Business Standard

suMeet vaiD, CFpCM


1 30-Oct-10 Lukewarm retail response to L&T infra,IDFC bond issues Hindu Business Line

2 22-Oct-10 Your employer health cover may not be enough DNA Money

ranJit Dani, CFpCM


1 22-Oct-10 Real estate rates need to touch base with reality Economic times

2 19-Oct-10 3 bond issues in the market, rush now Mint

other ClippinGs For the Month oF oCtober 2010


1 31-Oct-10 Cut your losses (Article by P V Subramanyam) Business Standard

2 31-Oct-10 Holiday within your means (Article by Kiran Telang) Business Standard

3 6-Oct-10Stay high on health, low on premium (Quotes Prerana Salaskar-Apte)

Economic Times

4 1-Oct-10 Query corner (Financial issues by Karthikeyan Jawahar) Money Today



DireCt ClippinGs For the Month oF noveMber 2010


AUTHORED ARTICLE / InTERACTIOn wITH RAnjEET MUDHOLkAR [PRInT]


1 11-Nov-10 Distinguish good from bad loans to stay debt-free Economic Times

2 10-Nov-10 Career Focus Education World

3 5-Nov-10 Sensex set to hit all-time high of 21000 Hindustan Times

AUTHORED ARTICLE by RAnjEET MUDHOLkAR [OnLInE]

s/no. Date link

1 11-Nov-10http://economictimes.indiatimes.com/personal-finance/loan-centre/personal-loans/personal-loans-news/Distinguish-good-from-bad-loans-to-stay-debt-free/articleshow/6904675.cms



1 30-Nov-10 Why investing in balanced funds makes more sense Economic Times

2 29-Nov-10 Ask us - Q & A Indian Express

3 29-Nov-10 Dividend good for small-cap MFs Times of India

4 25-Nov-10 Protect your home with your life (Also quotes Amar Pandit) Economic Times

5 22-Nov-10 Ask us - Q & A Indian Express

6 19-Nov-10 Four financial ratios you must know (Also quotes Ranjit Dani) Mint

7 17-Nov-10How the capital market regulator paved the road to perdition for mutual funds

DNA

8 15-Nov-10 Save tax and grow your investments with ELSS Times of India

9 14-Nov-10 Cover calculation Business Standard

10 10-Nov-10 Choose your financial products carefully Economic Times

11 1-Nov-10Making a budget and sticking (Also quotes Gaurav Mashruwala and Parag Paranjpe)

Mint



1 29-Nov-10Planning finances post marriage (Also quotes Kiran Telang & Kartik Jhaveri)

Indian Express

2 26-Nov-10 Friendlier, but dispensable Business Standard

3 24-Nov-10 Four indicators to selling your scheme Mint

4 21-Nov-10 Childhood habits reap adult rewards Times Of India

5 16-Nov-10Fixed cash policy: Not comprehensive enough (Also quotes Brijesh Dalmia)

Business Standard

6 5-Nov-10 Rules to be rich Mint

7 5-Nov-10 Keep tabs on charity (Also quotes Kartik Jhaveri) Economic Times

8 5-Nov-10 Incorrectly structured products can hurt badly Business Standard

9 2-Nov-10 Getting real on real estate Business Standard



1 21-Nov-10 Point taken! Encash rewards on plastic currency Economic Times

2 3-Nov-10 The Right Strategy Outlook Money



aMit suri, CFpCM


1 24-Nov-10When on a premium holiday one can continue with the insurance policy

Maharashtra times

2 24-Nov-10 Query Corner : Insurance Economic Times

3 17-Nov-10 NRI's can buy Insurance plans in India Maharashtra times


5 10-Nov-10If the medical policy holder expires then the nominee should get the benefit

Maharashtra times


7 3-Nov-10Insurance companies can modify the health insurance premium

Maharashtra times


arnav panDYa, CFpCM


1 29-Nov-10 Getting the right information on the many costs of your loan Financial Chronicle

2 26-Nov-10 How to get the best of MFs on bourses Financial Chronicle

3 22-Nov-10 How to handle a wrong income tax demand Financial Chronicle

4 19-Nov-10 Security tightened for your MF investment Financial Chronicle

5 15-Nov-10 Furnish more data for new bank account Financial Chronicle

6 12-Nov-10 Keep tabs on impact of interest rates on FMPs Financial Chronicle

7 8-Nov-10 Change in home loan margin money limit has big implications Financial Chronicle

8 5-Nov-10 ETFs offer varied options for investors Financial Chronicle



1 29-Nov-10 How good are new mutual fund products? Mint

2 22-Nov-10 Use insurance sensibly to build nest eggs Mint

3 22-Nov-10 Life insurance will prevent financial distress Hindustan Times

4 17-11-10 It takes 4 zeros to cause a blowout Mint

5 15-Nov-10 Is it safe to invest through online portals? Mint

6 10-Nov-10 Bank churning needs RBI action Mint

7 1-Nov-10 Put 5-10% of your money in gold Mint

aMar panDit, CFpCM


1 18-Oct-10 Live for today, dream for tomorrow Economic Times

2 18-Oct-10 Invest right to make smart gains (Also quotes : Jayant Pai) Economic Times

3 17-Oct-10 Baby steps for accountability Business Standard

4 14-Oct-10 Don't rush to prepay your housing loan Economic Times

5 10-Oct-10 Bull weather Business Standard

suMeet vaiD, CFpCM


1 25-Nov-10 Cut back on your current wants to build future Economic Times

2 12-Nov-10 Fixing goals and time frames Mint

3 3-Nov-10 8 Financial Rules for 30-Somethings Money Life

4 2-Nov-10 Buy, Review, Rebalance Economic Times


surYa bhatia, CFpCM


1 26-Nov-10For investment term less than 2 years, recurring deposit is good

Mint

2 19-Nov-10 Retirement planning: PPF,EPF are good for exposure to debt Mint

3 12-Nov-10 Having just one asset class for long term isn't the right strategy Mint

4 5-Nov-10 Adequate health and life cover is good if you have a home loan Mint


JaYant pai, CFpCM


1 21-Nov-10 Rules of realty investment Business Standard

2 21-Nov-10 BS Tutorial - Financial Literacy Business Standard

3 15-Nov-10 BS Tutorial - Financial Literacy Business Standard

4 3-Nov-10 Want the yellow metal and not just paper? Mint



1 24-Nov-10 Pension plans match for PPF Economic Times

2 18-Nov-10 Five prep tips for studying abroad Economic Times

3 17-Nov-10 Should you buy a cover off the net? Economic Times



1 18-Nov-10 Living on credit vs. using loans to create wealth Economic times

2 15-Nov-10 Use loans to create wealth Indian Express

3 1-Nov-10 Eight strategies for a bull market (Also quotes Vishal Dhawan) Wealth Insight



1 27-Nov-10 Step up allocation for gold to beat inflation Asian Age

2 19-Nov-10 Do the due before buying an old house Economic Times

3 13-Nov-10 Sort out investment portfolios for gains Asian Age

other ClippinGs For the Month oF noveMber 2010


1 19-Nov-10It pays to buy a home beyond your range (Authored article by D. Sundararajan)

Economic Times

2 11-Dec-10Health insurance turns attractive, but that's just the advertising (Quotes Chirag Jain)

DNA

ranJit Dani, CFpCM


1 16-Nov-10 All you wanted to know about ETFs Economic Times

2 9-Nov-10 Click your way to MFs Economic Times

kiran telanG, CFpCM


1 28-Nov-10 Now, agents can't mis-sell to you Business Standard

2 21-Nov-10 Maintain your own balance sheet Business Standard

3 15-Nov-10 Preparing your own financial plan Business Standard



DireCt ClippinGs For the Month oF DeCeMber 2010



1 15-Dec-10 How to begin your financial planning Financial Chronicle

2 13-Dec-10When buying another home makes sense (Also quotes Suresh Sadagopan)

Economic Times (Wealth)


s/no. Date link

1 13-Dec-10http://economictimes.indiatimes.com/markets/real-estate/realty-trends/Real-estate-When-buying-another-home-makes-sense/articleshow/7077675.cms

FinanCial planninG stanDarDs boarD inDia


1 12-Dec-10 Light up your dusk The Week (Wallet)

2 12-Dec-10 Future Perfect - The investment options for the new year The Week (Wallet)

3 1-Dec-10 Help people make their money grow Careers 360

aMit suri, CFpCM


1 29-Dec-10 Its better not to forget to pay the premium of Ayurvima policy Maharashtra Times

2 27-Dec-10 Investor Queries Economic Times (Wealth)

3 23-Dec-10 Query Corner : Banking Navbharat Times

4 22-Dec-10Insurance companies will not settle car accidental claims after the policy tenure is over

Maharashtra Times

5 22-Dec-10 Query Corner : Insurance Economic Times




9 15-Dec-10Checkup cost can be reimbursed only if there is no claim for four years

Maharashtra Times


11 8-Dec-10Think about the retirement money and not the investment money

Maharashtra Times



14 1-Dec-10You can take additional mediclaim and within the policy the claim can be divided

Maharashtra Times






1 26-Dec-10 Seek professional help for Investment Business Standard

2 20-Dec-10 Where to get the best mutual fund advice Economic Times (Wealth)

3 19-Dec-10 Consider total charges on ULIP Business Standard

4 17-Dec-10 There's no set recipe for a financial plan DNA

5 17-Dec-10How to survive rising home loan rates (Also quotes Pankaj Mathpal)

Economic Times

6 13-Dec-10 Make debt funds an essential part of investment portfolio Times Of India

7 13-Dec-10 When low risk ≠ low returns Economic Times (Wealth)

8 13-Dec-10 Ask us Indian Express

9 12-Dec-10 Investment 2011 The Week (Wallet)

10 10-Dec-10 Balance your portfolio to make the most of it Economic Times

11 6-Dec-10 Constant churning won't maximize returns' Times Of India

12 5-Dec-10 Learning to live with inflation Business Standard

13 1-Dec-10Don't fall for the endowment pitch (Also quotes Pankaj Mathpal)

Economic Times



1 29-Dec-10 The right strategy Outlook Money

2 19-Dec-10 Build a strong foundation Times Of India

3 16-Dec-10 How to save smartly for your child's future Business Standard

4 15-Dec-10 Getting married to debt? (Also quotes Veer Sardesai) Outlook Money

5 15-Dec-10 Inflation proof your pay back Outlook Money

6 10-Dec-10 Seven money housekeeping must-dos (Also quotes Ranjit Dani) Mint

7 9-Dec-10 Why using a credit card makes sense (Also quotes Sajag Sangvi) Economic Times

8 6-Dec-10 Personal finance experts' resolutions for new year Financial Chronicle

9 6-Dec-10 The sell call Financial Chronicle

10 1-Dec-10 Financial Planning Business Standard

arnav panDYa, CFpCM


1 31-Dec-10 How to make the most out of mutual fund scheme in 2011 Financial Chronicle

2 27-Dec-10 Changes in fund transfer rules to benefit individuals Financial Chronicle

3 24-Dec-10 Investment choices beyond large-cap funds Financial Chronicle

4 20-Dec-10 Be prepared for rising medical insurance costs Financial Chronicle

5 17-Dec-10Optimise gains through systematic approach in mutual fund investing

Financial Chronicle

6 13-Dec-10 Have extra income apart from salary? Count your tax now Financial Chronicle

7 10-Dec-10 New regulations to aid investors in debt-oriented mutual funds Financial Chronicle

8 6-Dec-10 Benefit from rising interest rates on bank fixed deposits Financial Chronicle

9 3-Dec-10 How to gauge the risk profile of your mutual fund portfolio Financial Chronicle



1 31-Dec-10 Borrowing is easy, repayment may not be. Plan ahead Hindustan Times

2 19-Dec-10 Each penny counts Economic Times

3 15-Dec-10 The right strategy Outlook Money

4 5-Dec-10 The art of balancing risks and returns Economic Times

5 1-Dec-10 Prioritise your family's insurance needs Economic Times



suMeet vaiD, CFpCM


1 28-Dec-10 Why fixed income will grow in 2011 Economic Times

2 28-Dec-10 Eleven things you shouldn’t do in 2011 Mint

3 23-Dec-10 Improve your relationship with money in the new year! Times Of India

4 22-Dec-10 Plan your goals well to secure happiness & money Economic Times

5 20-Dec-10 Be the author of your health! Indian Express

6 13-Dec-10 Retirement worries? Time to go to a doctor… Indian Express

7 8-Dec-10 Financial planning Business Standard

8 7-Dec-10 Make your form error-free, do it yourself Mint

surYa bhatia, CFpCM


1 31-Dec-10 Take the MF route if you can't follow the stock market regularly Mint

2 31-Dec-10 Save for the rainy day Hindustan Times

3 24-Dec-10 Investing all your money in real estate is not a sound strategy Mint

4 21-Dec-10 Banks aggressive on term deposits as cash runs short Hindustan Times

5 17-Dec-10 It is not advisable to withdraw money from provident fund Mint

6 13-Dec-10 6 tips to make most of your PPF Economic Times (Wealth)

7 10-Dec-10 Don't panic about your MFs if you see markets correcting Mint

8 3-Dec-10 PPF, EPF investments provide a good debt base to a portfolio Mint

JaYant pai, CFpCM


1 26-Dec-10 BS Tutorial - Financial Literacy Business Standard

2 24-Dec-10 Your quick guide to freedom from debt Economic Times

3 21-Dec-10What does an ideal portfolio look like? (Also quotes Lovaii Navlakhi)

Mint






1 31-Dec-10 Base investment on new tax code Hindustan Times

2 25-Dec-10 Don’t get swayed by exotic investments Asian Age

3 16-Dec-10 Negotiate your way to smart deals (Also quotes Sumeet Vaid) Economic Times

4 11-Dec-10 Balance fixed income, equity for good returns Asian Age

5 9-Dec-10 Temper spend in good times… Be the king of all times Economic Times

6 6-Dec-10 Short haul FDs turn best bet for investors Asian Age



1 29-Dec-10 Cover for some more swing in insurance Economic Times

2 15-Dec-10 High-five for tax-saving Outlook Money

3 7-Dec-10Invest right to beat inflation (Also quotes Suresh Sadgopan & Kartik Jhaveri)

Economic Times

4 7-Dec-10 Invest a small part of portfolio Business Standard

5 2-Dec-10 Use your gold to get easy loans Economic Times





1 20-Dec-10 One insurance policy for one home loan Mint

2 20-Dec-10 Do not scatter your mutual fund portfolio too much' Hindustan Times

3 15-Dec-10 Why we save but do not invest Mint

4 13-Dec-10 Build real estate for inflation-proof income Mint

5 8-Dec-10 Lynch mobs. Louise L'Amour. And us Mint

6 6-Dec-10 Teaser rates helped builders, not buyers Mint

7 6-Dec-10 Teaser rates were actually helping builders' Hindustan Times

8 1-Dec-10 Boodle in real estate and how honesty hurts Mint

kiran telanG, CFpCM


1 19-Dec-10 Options in tax-saving investments Business Standard

2 12-Dec-10 Crash course on education planning Business Standard

3 6-Dec-10 Ask us Indian Express

4 5-Dec-10 Doing away with timing Business Standard



1 30-Dec-10Beware of the debt, trap this new year (Also quotes Sumeet Vaid & Pankaj Mahtpal)

Economic Times

2 27-Dec-10 Don’t go by sparkle alone Economic Times (Wealth)

3 23-Dec-10Is this the right time to break your old FD? (Also quotes Suresh Sadagopan & Pankaj Mathpal)

Economic Times

4 20-Dec-10 Equity wins over gold, realty asset class Indian Express

aMar panDit, CFpCM


1 27-Dec-10Did you tell your wife (Also quotes Sumeet Vaid & Gaurav Mashruwala)


2 13-Dec-10 For a joyful ride (Also quotes Kartik Jhaveri)Economic Times (Investor's Guide)

3 8-Dec-10If you are single and want to be steady (Also quotes Surya Bhatia)

Mint

DevDutt Dhanukar, CFpCM


1 22-Dec-10 IPO : Mode of earning wealth Maharashtra Times

2 15-Dec-10 Understand IPO Maharashtra Times

other ClippinGs For the Month oF DeCeMber 2010


1 22-Dec-10Too many policies, too little cover (Quotes Prerana Salaskar-Apte)

Economic Times

2 15-Dec-10 Around town - Miscellany Indian Express

3 14-Dec-10 Starting early best gift for your child (Quotes Ranjit Dani) Economic Times

4 6-Dec-10 Become taxpayer to taxsaver (Quotes Priya Rao) Indian Express

5 3-Dec-10 Why silver could be the new gold (Quotes Vijay Chhabria) Economic Times

6 2-Dec-10Using market volatility to your advantage (Also quotes Anirudhha Hatwalne)

Business Standard

7 1-Dec-10There are a few financial matters you can control (Authored article by Carl Richards)

DNA



DireCt ClippinGs For the Month oF JanuarY 2011



1 14-Jan-11How to choose the right financial planner (Also quotes Veer Sardesai, Surya Bhatia & Ranjit Dani)

Mint

2 9-Jan-11 Banking on common sense Hindustan Times

3 1-Jan-11 The big plan Entrepreneur

4 1-Jan-11 You are free to be a crorepati Financial Chronicle


s/no. Date link

1 14-Jan-11 http://www.livemint.com/2011/01/13193334/How-to-choose-the-right-financ.html

2 9-Jan-11 http://www.hindustantimes.com/Banking-on-common-sense/Article1-648002.aspx

3 1-Jan-11 http://www.mydigitalfc.com/personal-finance/you-are-free-be-crorepati-549

launCh oF satellite DelivereD proGraMMe For CertiFieD FinanCial planner orGaniseD bY the inDian institute oF Job traininG anD teaM lease serviCes


1 19-Jan-11 Certified financial planner certification Afternoon D & C

2 13-Jan-11 MF redemptions not due to entry load: Bhave Hindu Business Line

3 13-Jan-11 SEBI asks MFs to draw lessons from top sellers Financial Chronicle

4 13-Jan-11 MFs need to look at workable distribution models, says Bhave DNA Money

5 13-Jan-11 Entry load ban not hurting MF inflows, says Bhave Business Standard

6 13-Jan-11 Investors continue to trust Mutual Funds Prahaar

7 13-Jan-11 Photo caption-elite course Asian Age

8 13-Jan-11 Photo caption-IIJT Indian Express

9 10-Jan-11 IIJT to start course in financial planning Hindu Business Line

10 7-Jan-11 Team lease-run IIJT launches course for CFP aspirants Financial Chronicle



1 31-Jan-11 Soaring prices? No problem Business Standard

2 26-Jan-11 Fixed income plan returns close to peak Times Of India

3 26-Jan-11 Brace yourself for a rainy day (Also quotes Ranjit Dani) Mint

4 24-Jan-11Why endowment plans are almost always a bad buy (Also quotes Pankaj Mathpal)

Economic Times

5 24-Jan-11 Five things you ought to know about your SIP Economic Times

6 21-Jan-11 Started planning for your golden years yet? DNA Money

7 18-Jan-11The financial planner you don't want (Also quotes Gaurav Mashruwala, B. Srinivasan, Surya Bhatia & Lovaii Navlakhi)

Mint

8 16-Jan-11 Plan for rainy days Business Standard

9 14-Jan-11 Lifestyle costs can weigh heavy on your pocket Economic Times

10 9-Jan-11 Diversify with real estate PMS Business Standard


aMit suri, CFpCM


1 24-Jan-11 Q&A - Investor Queries Economic Times (Wealth)

2 19-Jan-11 Query Corner : Insurance Economic Times (Wealth)

3 19-Jan-11 Query Corner : Insurance Maharashtra Times


5 12-Jan-11 No 'investment plan' in 'mediclaim' for 'critical illness riders' Maharashtra Times

6 12-Jan-11 Query Corner : Insurance Economic Times





arnav panDYa, CFpCM


1 31-Jan-11 Simple ways to safeguard your hard-earned money Financial Chronicle

2 28-Jan-11 Right comparison key to choosing fund-of-funds Financial Chronicle

3 24-Jan-11 Take advantage of infra bonds before time runs out Financial Chronicle

4 21-Jan-11 Infrastructure fund is an option for long-term gain Financial Chronicle

5 17-Jan-11 Budget metamorphosis to tackle your tough times Financial Chronicle

6 14-Jan-11 A higher percentage does not mention higher dividend Financial Chronicle

7 10-Jan-11 Should you sell old FDs to gain from new rate Financial Chronicle

8 3-Jan-11 Crisp and smart ways to tackle investments in 2011 Financial Chronicle



1 31-Jan-11 5 tips for studying abroad (Also quotes Harsh Roongta) Economic Times (Wealth)


3 20-Jan-11 Keep your car loan in the safe zone (Also quotes Kartik Jhaveri) Economic Times

4 14-Jan-11 No 'Loyalty Addition' in 'LIC Jeevan Saral' Maharashtra Times

5 11-Jan-11 Are you saving enough for your child's education? Economic Times

6 7-Jan-11 Query Corner : Financial Planning Economic Times

7 5-Jan-11 Get a fix on your returns (Also quotes Kartik Jhaveri) Business Standard

8 1-Jan-11Buying A Home May Remain A Dream (Also quotes Suresh Sadagopan & Amar Pandit)

Economic Times

aMar panDit, CFpCM


1 25-Jan-11 Don't hope for silver lining yet Business Standard

2 25-Jan-11 How to save tax while getting steady returns Hindustan Times

3 12-Jan-11 Why you should say no to child plans Economic Times

4 11-Jan-11Link your tax planning to financial goals (Also quotes Vishal Dhawan)

Hindustan Times

5 5-Jan-11Be Wary Of These Insurance Traps (Also quotes Suresh Sadagopan)

Economic Times

6 1-Jan-11Debt game: how to surf the interest rate regime (Also quotes Surya Bhatia)

Hindustan Times

7 1-Jan-11 So what's your financial resolution for this year? DNA Money





1 31-Jan-11 These newlyweds got their fundas right Times Of India

2 16-Jan-11 Young, but on the fast track Times Of India

3 14-Jan-11 Clued on to commodities Business Standard

4 12-Jan-11 Financial Planning Business Standard

5 7-Jan-11Rein in your debt appetite before it becomes a burden (Also quotes Sanjay Das)

Financial Chronicle

6 2-Jan-11 A family revisited… Times Of India

suMeet vaiD, CFpCM


1 24-Jan-11 Shield your portfolio from wind swings Economic Times

2 20-Jan-11 How to financially survive a higher life expectancy Economic Times

3 18-Jan-11 HNIs, guard against high-profile frauds Economic Times

4 16-Jan-11At 45, over with the rat race (Also quotes Suresh Sadagopan & Lovaii Navlakhi)

Economic Times

5 11-Jan-11 Financial planning for the early birds Economic Times

6 11-Jan-11 Write down your financial goals for clearer perspective Financial Express

7 1-Jan-11 Invest in a house, cautiously Money Today

JaYant pai, CFpCM


1 31-Jan-11 BS Tutorial - Financial Literacy Business Standard




surYa bhatia, CFpCM


1 21-Jan-11 Don't go by returns reckoner alone Business Standard

2 21-Jan-11Remember to factor in inflation when building a retirement kitty

Mint

3 14-Jan-11 If you are not a risk taker, you can buy monthly income plans Mint

4 7-Jan-11 Move to debt products as your date of need comes closer Mint

5 3-Jan-11 Tough year for car buyers Hindustan Times



1 31-Jan-11 What you can do Economic Times (Wealth)

2 17-Jan-11 In your sunset years, go for 2-3 small mediclaim policies Economic Times

3 12-Jan-11 IDFC lines up another batch of bonds to raise Rs 2,930 crore Economic Times

4 4-Jan-11 Promises to keep this year (Also quotes Ganesh Shanbhag) Business Standard



1 22-Jan-11 Ensure your financial adviser works for you Asian Age

2 18-Jan-11Home loans can get you cut tax, get asset (Also quotes Sumeet Vaid)

Hindustan Times

3 12-Jan-11 As deposit rates zoom, FDs turn attractive Hindustan Times


Communications/Public Awareness Communications/Public Awareness

other ClippinGs For the Month oF JanuarY 2011


1 25-Jan-11 ELSS: one investment dual benefits (Quotes Hemant Beniwal) DNA Money

2 23-Jan-11 Do you need life cover? (Authored article by Arvind Rao) Business Standard

3 23-Jan-11Build a financial planning pyramid (Authored article by Sadique Neelgund)

Business Standard

4 17-Jan-11 More risks but with little gains (Quotes Abhishek Gupta) Economic Times

5 16-Jan-11Buying riders: you can be taken for a ride (Authored article by Sadique Neelgund)

Business Standard

6 13-Jan-11Taming emotional triggers in your investment decisions (Authored article by Prerana Salaskar Apte)

Economic Times

7 12-Jan-11Cooperative banks may give a better deal (Quotes Yashwant Aangne)

Mint

8 5-Jan-11 Do you own any of this money? (Quotes Rajesh Kadam) Mint

9 3-Jan-11Earn in 370 days what you would have in 500 days (Quotes K.V Balaji)




1 31-Jan-11 Don't Let Volatility Upset Your Goals Economic Times

2 26-Jan-11 The right strategy Outlook Money

3 12-Jan-11 The right strategy Outlook Money



1 10-Jan-11 Focus on intelligent, smart equity investing Mint

2 10-Jan-11 Fixed deposits rates are very good now, go for them Hindustan Times

3 5-Jan-11 Citibank fraud, FSDC & better banking Mint

DevDutt Dhanukar, CFpCM


1 19-Jan-11 Investment risk factors Maharashtra Times

2 12-Jan-11 Tax saving fundas Maharashtra Times

3 12-Jan-11 One card multiple benefits Maharashtra Times

kiran telanG, CFpCM


1 23-Jan-11 Debt can be as risky as equity Business Standard

2 2-Jan-11 Looking Beyond Annuity Products Business Standard



1 10-Jan-11 Get Rs. 10 lakh for hopping jobs Times Of India

2 10-Jan-11 Get Rs. 10 lakh for hopping jobs Economic Times (Wealth)

3 1-Jan-11 Gold, silver may still shine Hindustan Times



DireCt ClippinGs For the Month oF FebruarY 2011

D swaroop noMinateD as the ChairMan oF FinanCial planninG stanDarDs boarD InDIA [PRInT]


1 28-Feb-11 Business people Asian Age

2 27-Feb-11Financial Planning Standards Board India appoints D Swarup as new FPSB India chairman

Aap Ane Ame

3 26-Feb-11Financial Planning Standards Board India appoints D Swarup as new FPSB India chairman

Mumbai Tarun Bharat

4 25-Feb-11 D Swarup new FPSB India head Hindustan Times

5 25-Feb-11 Swarup named FPSB India chairman Financial Chronicle

6 25-Feb-11 D Swarup nominated FPSB India chairman Economic Times

7 25-Feb-11 D Swarup nominated FPSB India chairman Indian Express

authoreD artiCles bY ranJeet MuDholkar


1 13-Feb-11 Get your tax structure right The Week (The Wallet)

2 1-Feb-11 Buying a second house Entrepreneur

launCh oF satellite DelivereD proGraMMe For CertiFieD FinanCial planner orGaniseD bY the inDian institute oF Job traininG anD teaM lease serviCes


1 2-Feb-11 Admission Alerts Hindustan Times

Content tie up with FinanCial ChroniCle


1 24-Feb-11 Little diligence can make investments tax efficient Financial Chronicle

2 17-Feb-11 How goal-based profiling can help you cut risk to investment Financial Chronicle

3 10-Feb-11Prioritising goals can help you budget your expenses better (Suresh Sadagopan)

Financial Chronicle

4 3-Feb-11 Diversification is best investment and why (Joydeep Sen) Financial Chronicle

D swaroop noMinateD as the ChairMan oF FinanCial planninG stanDarDs boarD InDIA [OnLInE]

s/no. Date link

1 25-Feb-11 http://www.indiareport.com/India-usa-uk-news/latest-news/1002968/Business/4/30/4

2 25-Feb-11 http://www.ptinews.com/news/1378938_D-Swarup-nominated-FPSB-India-Chairman-

3 25-Feb-11 http://www.moneylife.in/article/d-swarup-nominated-fpsb-india-chairman/14222.html

4 25-Feb-11 http://www.news24online.com/D-Swarup-nominated-FPSB-India-Chairman_News24_22398.aspx

5 25-Feb-11 http://in.finance.yahoo.com/news/D-Swarup-nominated-FPSB-India-pti-928409244.html?x=0

6 24-Feb-11http://www.business-standard.com/india/news/mr-d-swarup-nominated-aschairmanfpsb-india/426397/

7 24-Feb-11http://www.deccanherald.com/Openads/adcontent.php?bannerid=702&zoneid=0&source=&timeout=0

8 24-Feb-11 http://news.in.msn.com/business/article.aspx?cp-documentid=4959848

9 24-Feb-11 http://networkfp.com/d-swarup-is-fpsb-indias-new-chairman-2





1 28-Feb-12 Q&A : Investor queries Economic Times (Wealth)

2 24-Feb-11Take the right top-up to bridge home loan gap (Also quotes Suresh Sadagopan)

Economic Times

3 23-Feb-11 Q&A : Investor queries Economic Times

4 23-Feb-11 Query Corner : Insurance Maharashtra Times

5 16-Feb-11 Q&A : Investor queries Economic Times



8 7-Feb-11 Q&A : Investor queries Economic Times (Wealth)

9 2-Feb-11 Query Corner : Insurance Economic Times

suMeet vaiD, CFpCM


1 27-Feb-11 Plan it Right The week

2 25-Feb-11 Query Corner : Financial Planning Economic Times

3 22-Feb-11Choosing the right SIP take you far (Also quotes Vishal Dhawan & Amar Pandit)

Economic Times

4 21-Feb-11 Home loan truths (Also quotes Harsh Roongta) Economic Times (Wealth)

5 18-Feb-11 'Mutual Funds bought while FIIs were selling' Afternoon D&C

6 16-Feb-11 Query Corner : Financial Planning Business Standard

7 11-Feb-11 Query Corner : Financial Planning Maharashtra Times

8 7-Feb-11How to invest after you retire (Also quotes Kartik Jhaveri & Prerana Salaskar Apte)


9 4-Feb-11 Query Corner : Financial Planning Economic Times



1 21-Feb-11 Why ELSS scores over other tax-saving products Economic Times

2 19-Feb-11 Invest in EPF for tax free and safe returns Asian Age

3 15-Feb-11Don’t miss benefits on school fees, stamp duty (Also quotes Amar Pandit)

Hindustan times

4 5-Feb-11 Spread equity portfolio during uncertain times Asian Age



1 28-Feb-11 Investing in fixed maturity plans Indian Express

2 24-Feb-11 PFC bonds will offer 8.3-8.5 % pre-tax returns DNA Money

3 21-Feb-11 How best to protect loan (Also quotes Amar Pandit) Economic Times

4 20-Feb-11 Micro-manage your financial plan Business Standard

5 16-Feb-11 A balanced approach Business Standard

6 16-Feb-11EPFO sticks to 9.5% interest payout this fiscal (Also quotes Harsh Roongta)

DNA Money

7 13-Feb-11 Question traditional investment methods Business Standard

8 10-Feb-11 Women and finance are not poles apart Economic Times

9 8-Feb-11 Endowment plan can leave you under-insured DNA Money

10 8-Feb-11 SIP it well with daily, weekly & micro offers Times Of India

11 3-Feb-11Cheaper term cover may not be the best deal ( Also quotes Harsh Roongta)

DNA Money

12 1-Feb-11 Insurance is a must, but not a saving tool Mint



arnav panDYa, CFpCM


1 27-Feb-11 Real estate is illiquid Times Of India

2 17-Feb-11 Gold ETFs likely to be the season's flavour Economic Times

3 14-Feb-11 Confused kya? Economic Times (Wealth)

4 9-Feb-11 Three musketeers Outlook Money

5 1-Feb-11 Tax saving along with reasonable returns Business Standard



1 27-Feb-11 Real estate is illiquid Times Of India

2 17-Feb-11 Gold ETFs likely to be the season's flavour Economic Times

3 14-Feb-11 Confused kya? Economic Times (Wealth)

4 9-Feb-11 Three musketeers Outlook Money

5 1-Feb-11 Tax saving along with reasonable returns Business Standard

JaYant pai, CFpCM


1 20-Feb-11 Financial literacy Business Standard


3 13-Feb-11 Know your plan The Week (The Wallet)


5 6-Feb-11 The 'cap' confusion Business Standard



1 23-Feb-11 FSA raises the bar on suitability Mint

2 21-Feb-11 Ulips are products which are difficult to get out of Mint

3 16-Feb-11 The link between GDP growth and the broad market index Mint

4 9-Feb-11 Five things to do this February Mint

5 7-Feb-11 Basic things to get portfolio on growth path Mint

6 4-Feb-11 What the budget numbers say about Mr India Mint

7 2-Feb-11 Lots to do for the sandwich gen Mint

aMar panDit, CFpCM


1 18-Feb-11 High returns, no tax benefit Business Standard

2 14-Feb-11Retire happy with mutual funds (Also quotes Abhishek Gupta & Vishal Dhawan)

Economic Times

3 5-Feb-11 Get out of the red (and stay out ) Femina

4 1-Feb-11 Question hour for parents (Also quotes Aura Mashruwala) Business Standard



1 15-Feb-11Planning for short-term goals (Also quotes Gaurav Mashruwala, Sumeet Vaid & Malhar Majumdar)

Business standard

2 14-Feb-11How to marry your finances (Also quotes Kshitij Gupta, Surya Bhatia & Jayant Pai)





1 23-Feb-11 The one man show Outlook Money

2 9-Feb-11 The right strategy Outlook Money

kiran telanG, CFpCM


1 14-Feb-11 Planning will help you to get retirement benefits Divya Bhaskar

2 13-Feb-11 Keep a black box of your finances Business Standard

3 6-Feb-11 Understand the returns formula Business Standard



1 18-Feb-11 Latest round of SBI bonds is not for everyone Mint

2 13-Feb-11 Out of coverage area Hindustan Times

arvinD rao, CFpCM


1 27-Feb-11 Income from your home Business Standard

2 20-Feb-11 When markets are falling, have faith Business Standard

surYa bhatia, CFpCM


1 25-Feb-11 Keep a check on investments to see if any change is required Mint

2 18-Feb-11 Rebalance debt-equity ratio in your portfolio after retirement Mint

3 15-Feb-11 For short-term requirements, park funds in liquid assets Mint

4 3-Feb-11 Buy ELSS while there is still time left Mint

5 1-Feb-11 The first step to planning is saving as much as you can Mint

6 1-Feb-11Infra bonds suit higher income slabs (Also quotes Vishal Dhawan)

Hindustan Times

other ClippinGs For the Month oF JanuarY 2011


1 13-Feb-11 Benefitting from dividends (Authored article by Ashish Pai) Business Standard

2 9-Feb-11Variety in mutual funds (Authored article by Devdutt Dhanukar )

Maharashtra Times

3 6-Feb-11 Don’t wait to invest (Authored article by Sadique Neelgund) Business Standard

4 2-Feb-11 Query Corner : Insurance ( Authored article by Amit Suri ) Maharashtra Times



DireCt ClippinGs For the Month oF MarCh 2011


D swarup noMinateD as the ChairMan oF FinanCial planninG stanDarDs boarD inDia [PRInT]


1 4-Mar-11Financial Planning Standards Board India appoints D Swarup as new FPSB India chairman

Metro Herald


Herald Youngleader


Standard Herald


Marwad Mitra


Mumbai Lakshdeep

Quotes / authoreD artiCles bY ranJeet MuDholkar


1 23-Mar-11 Learn Financial Management Loksatta

2 21-Mar-11 Infrastructure, key to success Hindustan Times

3 6-Mar-11 Quarterly planning in new situations Hindustan

4 3-Mar-11 A chance to diversify into tax-efficient investments Financial Chronicle

5 3-Mar-11 Financial Planning Loksatta

6 2-Mar-11 Reap budget gains, but await tax code Hindustan Times

7 1-Mar-11 Investing in stock markets Entrepreneur



1 28-Mar-11 Maintain balance between Spending and Saving Divya Bhaskar

2 28-Mar-11 SBI teaser rates to stay till May Financial Chronicle

3 28-Mar-11 Become money smart in the new (financial) year Indian Express

4 19-Mar-11 Amfi's 'investor-friendly' rules are quixotic DNA Money

5 17-Mar-11 FMP's are a good option over FD's for taxpayers DNA Money

6 17-Mar-11Save surplus cash to service rising EMIs (Also quotes Kartik Jhaveri & Pankaj Mathpal)

Economic Times

7 13-Mar-11 Gen Y living it up Economic Times

8 11-Mar-11 Needs differ, so do investments Mint

9 8-Mar-11 Ladies, take control of your finances DNA Money

10 6-Mar-11 Create healthcare corpus Business Standard

11 4-Mar-11You Don't Always Have to Look Too Far to Work For a Noble Cause

Economic Times

12 3-Mar-11 Giving your SIP investment the value edge - VIP DNA Money

13 3-Mar-11 Investment Policy Economic Times(G)

14 3-Mar-11 Is it the right time to break old FD? Economic Times (G)

15 2-Mar-11 Set to become more attractive (Also quotes Arnav Pandya) Business Standard

16 1-Mar-11 Smiles and frowns, in a nutshell DNA Money





1 30-Mar-11 His money talks Hindustan Times

2 30-Mar-11 Q & A : Insurance Economic Times

3 28-Mar-11 Q & A : Insurance Economic Times (Wealth)


5 22-Mar-11 To catch the gold fever Business Standard

6 21-Mar-11 Q & A: Investor queries Economic Times (Wealth)

7 19-Mar-11 Q & A : Insurance Maharashtra Times



10 14-Mar-11 Break free from bad insurance (Also quotes Kartik Jhaveri) Economic Times

11 14-Mar-11 Investor Query Economic Times (Wealth)


13 7-Mar-11 Q & A: Investor queries Economic times (Wealth)

14 2-Mar-11 Q & A : Query Corner Economic times



1 28-Mar-11 When to sell a fund Afternoon Voice

2 25-Mar-11 Not everyone's cup of tea Business Standard

3 25-Mar-11 Marry me, marry my finances Financial Chronicle

4 16-Mar-11 Financial planning Business Standard

5 15-Mar-11 Reduce your debt using pay hike and bonuses Financial Chronicle

6 14-Mar-11 Show her the money Outlook Woman's Special

7 13-Mar-11 Childhood training pays off Times Of India

8 9-Mar-11 The right strategy Outlook Money

9 8-Mar-11 Ask Your Hubby For A Special Gift Today Economic Times

10 3-Mar-11 By and large, the broad economic issues have been resolved Mint

suMeet vaiD, CFpCM


1 31-Mar-11 Why should women focus on finances? Here's why Financial Chronicle

2 28-Mar-11 Make your money legacy live on Indian Express

3 21-Mar-11What do you do if your fund is bought out (Also quotes Vishal Dhawan)

Economic Times

4 21-Mar-11 How to choose the right fund (Also quotes Sandeep Vasa) Economic Times (Wealth)

5 18-Mar-11 Q & A: Financial Planning Economic Times

6 17-Mar-11 Second home, sweet home? Business & Economy BFM

7 17-Mar-11 Learn how to build good relationship with money Financial Chronicle

8 14-Mar-11 Game plan for winning the world cup of finances Indian Express

9 7-Mar-11 Tweak your investment strategy after the budget Economic Times

10 1-Mar-11 Spreading the cover wider Money Today

JaYant pai, CFpCM


1 27-Mar-11 Financial Literacy Business Standard

2 13-Mar-11 Financial literacy Business Standard

3 6-Mar-11 Financial literacy Business Standard



arnav panDYa, CFpCM


1 28-Mar-11Reduction of outstation cheque charges to help account holders

Financial Chronicle

2 25-Mar-11 Fundline Financial Chronicle

3 22-Mar-11 Easy way to handle last minute rush for tax saving Financial Chronicle

4 18-Mar-11 Track performance well to make the best of fund Financial Chronicle

5 7-Mar-11 Have an old PF account? Time to withdraw it now Financial Chronicle

6 4-Mar-11 Things to take note of in capital protection funds Financial Chronicle

aMar panDit, CFpCM


1 28-Mar-11 Complimentary cover with cards Economic Times (Wealth)

2 27-Mar-11 The art of giving Business Standard

3 24-Mar-11Tweaked your investment portfolio lately? (Also quotes Suresh Sadagopan)

DNA Money

4 16-Mar-11Cut the stress out with packaged policies (Also quotes Harsh Roongta)

Economic Times

5 5-Mar-11 Get out of the red (Also quotes by Gaurav Mashruwala) Femina

6 4-Mar-11 Smart Tips To Plan Your Big-Ticket Buys Economic Times

7 1-Mar-11 Taxpayers are unimpressed Hindustan Times



1 9-Mar-11 Take guard against rising healthcare costs Economic Times

2 4-Mar-11 Infra Bonds: Good returns at low risk Business Standard

3 1-Mar-11 Extra cover at what cost? Money Today

surYa bhatia, CFpCM


1 29-Mar-11 SIPs are one of the better ways to create and enhance portfolio Mint

2 25-Mar-11Take direct exposure to stocks if you have proper understanding

Mint

3 23-Mar-11How to choose a PMS provider (Also quotes Gaurav Mashruwala and Kartik Jhaveri)

Mint

4 18-Mar-11 If u have a home loan, make sure you have term insurance Mint

5 15-Mar-11 Know your rights as a consumer’ Mint

6 15-Mar-11 If there is no short-term need, exposure to risk can be higher Mint

7 14-Mar-11 CDs: rates and risks, the complete guide Mint

kiran telanG, CFpCM


1 28-Mar-11 Gowri Shankar's financial plan Indian Express

2 27-Mar-11 Not tailor-made for your needs Business Standard

3 13-Mar-11 Returns aren't all Business Standard

4 7-Mar-11 Do women know their money? Indian Express

5 6-Mar-11 Invest first, invest later Business Standard

6 1-Mar-11 High growth Indian Express





1 3-Mar-11 Plan is properly, and live happily Economic Times (G)



1 6-Mar-11 Taking the fund route (Also quotes Sumeet Vaid) Business Today

2 1-Mar-11 Direct cash transfer Mint

other ClippinGs For the Month oF MarCh 2011


1 27-Mar-11 Delay at own risk (Authored article by Hemant Beniwal) Business Standard

2 26-Mar-11Don’t rue the missed ELSS SIP - there's a way out (Authored article by Harshvardhan Roongta)

DNA Money

3 24-Mar-11Things you must avoid in investment planning (Authored article by Joydeep Sen)

Financial Chronicle

4 23-Mar-11 Tax savings band (Authored article by Devdutt Dhanukar) Maharashtra Times

5 23-Mar-11 Strong suit (Authored article by Harsh Roongta) Outlook Money

6 21-Mar-11Rajeev's family future plan (Authored article by Jitendra Solanki)

Indian Express

7 21-Mar-11 Investments! As needed (Authored article by Rohan Shah) Maharashtra Times

8 14-Mar-11 Pankaj's family future plan (Authored article by Manish Jain) Indian Express

9 14-Mar-11There is insurance as well as portfolio (Authored articles by Manikaran Singhal)

Divya Bhaskar

10 13-Mar-11Investing via insurance plans? (Authored article by Sadique Neelgund)

Business Standard



1 16-Mar-11 Is Sebi getting ready to reload? Mint



1 28-Mar-11 How to pick up value stocks, Buffett style Economic Times

2 26-Mar-11 Don’t act on impulse during chaotic times Asian Age

3 23-Mar-11Buy peace of mind with term insurance (Also quotes Sumeet Vaid)

Economic Times

4 12-Mar-11 Invest in commodity to offset inflation risk Asian Age

5 3-Mar-11 Its not about the right time, but the market time ! Economic Times (G)


exaMinations31. Information on Examinations administered during FY 2010-2011.

exam typenumber of students

enrolled in education courses

total number of exam takers

pass rate Date(s) of exam

Serial Exam leading to CFP Certification (Exam 1-4)

4,391 8180 48.67% Daily Basis

CFP Certification Exam(Exam 5/Challenge Status)

511 1381 63.86%24.04.2010, Daily Basis w.e.f. 22.05.2010

Examination Statistics - (2008 - 09)

name of exam appeared passed Failed pass%

Exam 1 - Risk Analysis and Insurance Planning 3,644 1,455 2,189 39.93

Exam 2 - Retirement Planning & Employee Benefits 2,789 1,287 1,502 46.15

Exam 3 - Investment Planning 2,951 1,181 1,770 40.02

Exam 4 - Tax & Estate Planning 1,990 8,79 1,111 44.17

total 11,374 4,802 6,572 42.22



Exam 1 - Risk Analysis and Insurance Planning 2,281 1,165 1,116 51.07

Exam 2 - Retirement Planning & Employee Benefits 2,355 1,280 1,075 54.35

Exam 3 - Investment Planning 1,962 1,059 903 53.98

Exam 4 - Tax & Estate Planning 1,749 952 797 54.43

total 8,347 4,456 3,891 53.38



Exam 1 - Risk Analysis and Insurance Planning 2229 1116 1113 50.07%

Exam 2 - Retirement Planning & Employee Benefits 2257 1051 1206 46.56%

Exam 3 - Investment Planning 1855 959 896 51.70%

Exam 4 - Tax & Estate Planning 1839 855 984 46.49%

total 8180 3981 4199 48.67%

Examination Statistics (Exam 1-4)

* (as of March 31, 2011)


April 2010 Examination


Exam 1 - Risk Analysis and Insurance Planning 175 101 74 57.71

Exam 2 - Retirement Planning & Employee Benefits 221 107 114 48.42

Exam 3 - Investment Planning 158 105 53 66.46

Exam 4 - Tax & Estate Planning 183 104 79 56.83

total 737 417 320 56.58

Month wise breakup of Examination Statistics for the year 2010 -11

May 2010 Examination






total 633 325 308 51.34

june 2010 Examination






total 544 295 249 54.23

july 2010 Examination






total 673 355 318 52.75

August 2010 Examination






total 657 345 312 52.51%

September 2010 Examination






total 597 301 296 50.42%

Examinations


October 2010 Examination






total 733 377 356 51.43%

november 2010 Examination






total 611 283 328 46.32%

December 2010 Examination






total 763 339 424 44.43%

january 2011 Examination






total 838 385 453 45.94%

February 2011 Examination






total 687 275 412 40.03%

March 2011 Examination






total 707 284 423 40.17%

Examinations


april - 10

pathway appeared passed Failed pass %

regular 55 30 25 54.55

Challenge status 38 12 26 31.58

total 93 42 51 45.16

Month wise breakup of Exam 5 & CSP Statistics for the year 2010-11

May - 10


regular 28 24 4 85.71


total 35 30 5 85.71

June - 10


regular 114 87 27 76.32


total 153 105 48 68.63

July - 10


regular 79 60 19 75.95


total 119 78 41 65.55

august - 10


regular 92 69 23 75.00


total 122 85 37 69.67

Examination Statistics (exam 5 / Challenge status exam)

CFPCM certification Exam 5 & CSP Examination Statistics 2008-09Particulars appeared passed Failed pass %

total 1333 607 726 45.54


total 1610 912 698 56.65


total 1381 882 499 63.87%

Examinations


september - 10


regular 75 55 20 73.33


total 103 71 32 68.93

october - 10


regular 60 44 16 73.33


total 87 56 31 64.37

november - 10


regular 35 24 11 68.57


total 48 31 17 64.58

December - 10


regular 95 62 33 65.26


total 146 87 59 59.59

January - 11


regular 153 112 41 73.20


total 201 137 64 68.16

February - 11


regular 70 37 33 52.86%

Challenge status 43 20 23 46.51%

total 113 57 56 50.44%

March - 11


regular 62 41 21 66.13%

Challenge status 42 27 15 64.29%

total 104 68 36 65.38%

Examinations


area wise Distribution oF CFpCM CertiFiCants4

Region wise Distribution of CFPCM Certificants

Major Cities having concentration of CFPCM Certificants

sr. no. region total % to Total Certificants

1 North 409 23%

2 South 300 18%

3 East 97 6%

4 West 904 53%

total 1710 100%

sr. no. City total % to Total Certificants

1 Mumbai 641 37%

2 Delhi 174 10%

3 Bengaluru 120 7%

4 Pune 71 4%

5 Chennai 77 5%

6 Kolkata 63 4%

7 Ahmedabad 47 3%

8 Hyderabad 35 2%

total 1228 72%

total all india 1710 100%


Area wise Distribution of CFPCM Certificants

State wise Distribution of CFPCM Certificants

sr. no. state/ut total

1 Andhra Pradesh 52

2 Assam 5

3 Bihar 6

4 Chhattisgarh 19

5 Jharkhand 6

6 Orissa 176

7 West Bengal 16

8 Chandigarh 107

9 Delhi 43

10 Haryana 1

11 Himachal Pradesh 3

12 Jammu and Kashmir 9

13 Madhya Pradesh 135

14 Punjab 17

15 Rajasthan 53

16 Uttar Pradesh 781

17 Uttarakhand 2

18 Karnataka 2

19 Kerala 23

20 Pondicherry 21

21 Tamil Nadu 94

22 Goa 63

23 Gujarat 7

24 Maharashtra 69

total 1710


sr. no. Charter Member

no. of CFpCM certificants

as on31st March, 2010

as on 31st March, 2011

1 American Express Bank 1 0

2 Aditya Birla Money Mart Limited 0 0

3 ASK Wealth Advisors Private Limited. 0 0

4 Axis Bank 1 1

5 Bajaj Capital Limited 0 0

6 Barclays Bank PLC 1 0

7 Birla Sun Life Insurance Company Ltd. 1 2

8 BNP Paribas 7 5

9 Citibank N.A 1 1

10 Destimoney 1 0

11 Deutsche Bank AG 1 1

12 Dynamic Equities Private Limited 0 1

13 Edelweiss Group 3 1

14 FIL Fund Management Pvt. Ltd. 2 0

15 Franklin Templeton Asset Management 7 0

16 Geojit BNP Paribas Financial Services Limited 0 0

17 HDFC Asset Management Company Ltd. 7 5

18 HSBC 0 2

19 ICICI Bank Ltd. 8 10

20 ICICI Prudential Asset Management Company Limited 0 1

21 ICICI Securities Limited 0 0

22 ICICI Prudential Life Insurance Co. Ltd. 0 0

23 Kotak Mahindra Bank Ltd. 16 2

24 KZen Equities Services Pvt. Ltd. 1 0

25 Life Insurance Corporation of India 1 2

26 MetLife India Insurance Company Limited 0 0

27 Mirae Asset Global Investments (I) P. Ltd. 1 1

28 Motilal Oswal Securities Ltd. 4 2

29 Reliance Life Insurance Company Limited 0 0

30 Reliance Capital Asset Management Ltd. 9 5

31 Reliance Money Ltd. 2 1

32 Religare Enterprises Ltd. 3 0

33 SBI Funds Management Pvt. Ltd. 5 5

34 Standard Chartered Bank 1 1

35 State Bank of India 74 79

36 SBI Life Insurance Company Ltd. 0 1

37 TATA AIG Life Insurance Company Ltd. 1 1

38 Tata Asset Management Ltd. 0 3

39 UTI AMC Ltd. 31 21

Grand total 190 154

A. Number of candidates from Charter Members who are CFPCM certificants through the Challenge Status Pathway:

CHARTER MEMbER-wISE nUMbERS oF CFpCM CertiFiCants throuGh ChallenGe status pathwaY 5


sr. no. Charter Member

no. of CFpCM Certificants

as on31st March, 2010

as on 31st March, 2011

1 Aditya Birla Money Mart Limited 0 2

2 American Express Bank Limited 1 0

3 ASK Wealth Advisors Pvt. Ltd. 5 4

4 Axis Bank 3 5

5 Bajaj Capital Limited 10 9

6 Barclays Bank PLC 2 0

7 Birla Sun Life Distribution Company Ltd. 2 0

8 Birla Sun Life Insurance Company Ltd. 6 10

9 BNP Paribas 1 0

10 Citibank N.A 1 0

11 Destimoney 0 0

12 Dawnay Day Av India Advisors pvt Ltd 0 0

13 Daiwa Asset Management (I) Pvt. Ltd. 0 0

14 Deutsche Bank AG 0 1

15 Edelweiss Group 1 0

16 FPI Padmakshi Financial Planning & Wealth Management 2 0

17 Franklin Templeton Asset Management (India) Pvt. Ltd. 2 1

18 FIL Fund Management Pvt. Ltd. 0 5

19 Geojit BNP Paribas Financial Services 3 5

20 HDFC Asset Management Company Ltd. 1 0

21 HSBC 7 3

22 ICICI Bank Limited 6 2

23 ICICI Prudential AMC Limited 1 6

24 ICICI Prudential Life Insurance Co. Ltd. 12 7

25 ICICI Securities Limited 0 2

26 Karvy Stock Broking Limited 2 5

27 Kotak Mahindra Bank Limited 8 0

28 L&T Finance Limited 1 41

29 Life Insurance Corporation of India 33 6

30 MetLife India Insurance Company Ltd. 0 2

31 Mirae Asset Global Investments (I) Pvt. Ltd. 0 1

32 Motilal Oswal Securities Limited 3 1

33 Principal PNB AMC Private Limited 0 0

34 Reliance Capital Asset Management Limited 0 0

35 Reliance Money Limited 0 1

36 Reliance Life Insurance Company Limited 0 0

37 Religare Enterprises Ltd 2 0

38 SBI Life Insurance Company Ltd. 1 6

39 SBI Funds Management Private Limited 3 0

40 SKP Securities Limited 0 52

41 State Bank of India 76 14

42 TATA AIG Life Insurance Company Ltd. 17 0

43 TATA Asset Management Limited 0 9

44 UTI AMC Limited 13 0

45 World Gold Council 1

Grand total 226 200

Charter Member-wise numbers of CFPCM certificants Through Regular Pathway

B. Number of candidates from Charter Members who are CFPCM certificants through the Regular Pathway:

Charter Member-wise numbers of CFpCM certificants Through Challenge Status pathway


Education Providers: The following Education Providers have been authorized by FPSB India to provide CFPCM certification Education Program in India.

s. no

Education provider

key person DesignationCorrespondence

addressContact no email iD

1Anagram Knowledge Academy Ltd., Ahmadabad

Mr. Sandeep Shroff

COO

Knowledge Academy, Heritage Square, Opp Atlanta Building Gulbai Tekra,Ahmedabad 380015

[email protected]

2 ASSETS, New Delhi Mr. Arvind Rai Director606, Madhuban Building, 55, Nehru Place, New Delhi - 110019

[email protected]; [email protected]

3BLB Institute of Financial Markets (BIFM)

Mr. G. C. Sharma Director

Gulab Bhawan, 4th Floor, 6, Bahadur Shah Zafar Marg, New Delhi-110002

+91-9891044504, +91-11-23705854/55

[email protected]

4Dun & Bradstreet Information Services India Pvt. Ltd.

Ms. Preeta MisraLeader - Financial Education Solns.

ICC Chambers, Saki- Vihar Rd., Powai, Mumbai - 400072

+91-9821094014/022-8574190/92/94, 022-5676555

[email protected]

5Financial Planning Academy (FPA)

Mr. Yogesh Gupta Director

1st Floor, Doulatram Mansion, Kitridge Road, Colaba, Mumbai - 400005

+91 9821166725 / 022-23672443

[email protected]

6Global School of Financial Planning

Ms. Chhaya Kothari

DirectorB -12, Dattani Tower, NR Macdonalds, Boravali W, Mumbai

+91 9820125548 / 022-28980730

[email protected]

7Gurukul online Learning Solutions (GOLS)

Mr. Shailesh Mehta

CEO

Shrikrishna Niwas, Shradhanand Road Extension Vile Parle E, Mumbai -400057

+91 9323693672 / 022-26141111

[email protected]

8IMS Learning Resources Pvt. Ltd.

Mr. Kaushik Ramachandran

Head - Pro School

Ground Floor, Jayant Building, Jain Hostel Road, Near Sion Circle, Sion, Mumbai - 400 022

+91 9819124890/ 022-65285393/94

[email protected]

9Indian School of Business & Finance

Mr. Jitin Chadha DirectorB-26,Okhla Ph-1, New Delhi-110 020

[email protected], [email protected]

10INFLUX Business School

Mr. Anil Sachdeva Director

5th Floor, N N Mall, Adjoining M2K Cineplex, Sector-3, Rohini, Delhi-110085

+91 9811018218 [email protected]

11Institute for Technology and Management (ITM)

Mr. K S Murthy Director

7th Floor, "B" Wing, 704-712, BSEL Tech Park, Vashi, Navi Mumbai - 400705.

+91 9820092782, 27814772, 22930172, 65135002

[email protected]

12Institute of Management Studies (IMS), Noida

Mr. Rajeev Kumar Gupta

PresidentA-8B, IMS Campus, Sec-62, Noida-201 303, (U.P), India.

0120-2401043 [email protected] [email protected]

13International Institute of Financial Markets Ltd.

Mr. Pranav Chaturvedi

Director814, Naurang House, 21, Kasturba Gandhi Marg, C. P. New Delhi - 110001

+91 98992977671 / 011-66303404

[email protected]

14International College of Financial Planning (ICoFP)

Mr. Anish WigDirector & Chief Executive Officer

3rd Floor Gulab Bhavan, 6 Bahadur Shah Zafar Marg, New Delhi 110002

011 66159000+91 9910599000

[email protected], [email protected]

eDuCation 6


s. no

Education provider

key person DesignationCorrespondence

addressContact no email iD

15

International Institute of Financial Studies (IIFS)(A Unit of PCTI Group)

Mr. Anil Agarwal DirectorPCTI House, UU - 11, Pitampur, Delhi - 110088

+91 [email protected]

16Knowlege Network India Pvt. Ltd. (KNIPL)

Ms Ashita Khurana

Executive Director

C/o Knowlege Network India, 2nd Floor, PAL Tower, Sikanderpur ,MG Road DLF City, Gurgaon, Haryana -122002

+91 9810200911 (Ashita) / (0124)-4064788/4146165

[email protected]

17Mahavir Institute of Educational Excellence

Mr. Dinesh Jain DirectorTrinity', Unit - 3C, 226/1, A.J.C Bose Road, Kolkata - 700020

(033) 22891176, +91 9831004542

[email protected]

18Mandar Learning Academy Pvt. Ltd

Mr. Rajesh Dalmia

DirectorSUITE#305A, 10A HOSPITAL STREET, Kolkota-700072 (INDIA)

+91 9830028953 / (033) 22158247

[email protected]

19RNIS College of Financial Planning

Mr. H S BansilProgramme Director

RNIS COLLEGE OF FINANCIAL PLANNING15, 2nd Floor, Sant-Nagar,East of Kailash,New-Delhi -110065

+91 9818665534, 011-3021424 (Direct), (011) 41638657 / 26237605 / 07 / 08

[email protected]

20SBMJC - Centre for Financial Planning & Management

Mr. R.C. Chenraj Jain

Chairman1/1-1; Atria Towers Palace Road, Bangalore – 560 001

+91 9845006228/ (080) 26615246

[email protected]

21

Sadhana Centre for Management & Leadership Development (SCMLD)

Prof. M S PillaiFounder & Principal Director

392 A, Mahale Plot, Deep Bungalow - Vetal Chowk Road , Model Colony P.O. Pune 411 016

+91 9850077733 / (020) 25672026 / 7

[email protected]

22TATA AIG Life Insurance Company Limited

Ms. Ethel Correa Manager

Tata AIG Life Insurance Company Ltd.Delphi-B Wing2nd Floor, Arcade AvenueHiranandani Business ParkPowai, Mumbai-400076

+91 9920056282, 022-66479016

[email protected]

23The Indian Institute of Financial Planning (IIFP)

Mr. Gautam Rajgarhia

Director6A, Atma Ram House, 1 Tolstoy Marg, Connaught Place, New Delhi -110001

011-43504929, 43504939


24Vantage Corporate Services Ltd

Mr. Vishal Gada DirectorGround floor, 427/429, S. V. P. Road, Prathana Samaj, Charni Road, Mumbai - 400 004


25NJ Gurukul Pvt. Ltd., Surat, Gujarat

Mr. Neeraj R. Choksi

DirectorNJ Gurukul 502, NJ Center, 10 Main, Road Udhna Surat-394210

+91 9374573685, (0261) 3985500

[email protected]

26

H.L. Centre for Professional Education (HLCPE), Ahmadabad, Gujarat

Mr. G.A. Pathak Director

H. L. Centre for Professional Education, H. L. College Campus, University Road, Navrangpura, Ahmedabad - 380 009

(79) 26464657/32915262, +91 9426173888

[email protected]

27SMILE Education Pvt. Limited

Mr. Prashant Patel

Director

Smile Education Pvt. Ltd., 46, 5thFloor, Tardeo AC Market, Tardeo Road, Mumbai - 400034

+91 9821143866, 022-23512962

[email protected]

28The New Era Education Society, New Delhi

Mr. Rohit Chopra ChairmanPlot No: 17, Mayapuri, New Delhi - 110064

+91 9873407607 [email protected]

29India Today Finishing Schools Ltd, Chhattisgarh

Mr. Devendra Jain

Director54, Sector-10, A Market, Bhilai, Chhattisgarh -490006

[email protected]

Education


Continuous Education: FPSB, India awarded CE points to the CFPCM certificants for the following:

s. no. Particular Ce Credit points

1. Financial Planning Solution - Daily News & Analysis (DNA) 5

2. Financial Planning Journal – CE Quiz 5

3. Financial Planning Practice Management Workshop – Series 1 5

4. Financial Planning Practice Management Workshop – Series 2 5

5 Financial Planning Practice Management Workshop – Series 3 5



8 HR Summit 5

9 Financial Planning Leadership workshop 5

10 Financial Planning Practice Management Workshop 5

Continuous eDuCation 7


Ethics/Practice Standards disciplinary cases number of casesCases opened NIL

Cases concluded NIL

Number of public disciplines NIL

Number of unauthorized use/misuse of the marks cases processed during the quarter.

Marks Promotion/Protection

Marks disciplinary cases number of casesUnauthorized Use *Cases opened -Cases concluded -

Misuse **Cases Opened -Cases Concluded -

* Unauthorized use cases = Individuals/entities use the Marks without being licensed to do so.

** Misuse cases = Properly licensed individuals/entities use the Marks in a manner which does not comply with FPSB guidelines/trademark law.

ethiCs anD DisCipline / praCtiCe stanDarDs8


Date (D/M/Y)

From toevent & Contact info Location

28/05/10 28/05/10 (1)Financial Planning Practice Management Workshop – 10 New Delhi

29/05/10 29/05/10 (2)Financial Planning Practice Management Workshop – 11 Mumbai

21/06/10 21/06/10 (3)Financial Planning Congress – 2010 Mumbai

31/07/10 31/07/10 Workshop on Financial Modelling and Excel Functions New Delhi

27/08/10 27/08/10 (4)Financial Planning Practice Management Workshop – 12 Mumbai

28/08/10 28/08/10 (5)Financial Planning Practice Management Workshop – 13 New Delhi

31/08/10 31/08/10 (6) Sixth National Conference by Assocham New Delhi

12/11/2010 12/11/2010 (7)Workshop on Technical Analysis - An effective tool for wealth creation for a long term investor

New Delhi

12/11/2010 12/11/2010(8) Technical Analysis - An Effective Tool for wealth creation for long term investor

New Delhi

21/12/2010 21/12/2010(9) The art of making a Financial Plan & how to establish a successful Financial Advisory Model

New Delhi

27/12/2010 27/12/2010 (10) Macros & Monte Carlo Simulation Mumbai

05/02/2011 05/02/2011(11)The Art of Drafting a Financial Plan & How to Establish a Successful Advisory Model

Chandigarh

26/02/2011 26/02/2011 Role of Insurance Mumbai

18/03/2011 18/03/2011 Developments in Financial Markets New Delhi

(1) Topics covered were:Gold as an Asset Investment Class• Option Strategies• Ombudsman Functions in Banking Industry • Estate Planning for Women• Investor Grievance Mechanism for Stock Exchange • Transactions Taxability of Capital Gains •

(2) Topics covered were:Introduction to Excel as Modeling Tool• Using Excel to calculate Payoffs, Breakeven, other • Financial FunctionsUsing Excel to visualize Payoffs and Pricing of Insurance • SchemesInvestor Grievance Mechanism for Stock Exchange • Transactions Taxability of Capital Gains •

(3)The theme of the Congress was “Regaining Consumer Trust”. Various aspects deliberated in the congress were the role of the Regulators, the Industry and the Financial Planners in regaining consumer interest. The challenges being faced by the industry were discussed with the regulators’ concern and strategies for a greater financial inclusion and investor protection. Financial Planners’ perspective as agents of consumer from agents of manufacturers of financial products was also discussed. A delegation of more than 400 was present representing CFP certificants, Education Providers, students and industry professionals.

(4) Topics covered were:To make the participants familiar with the basic • concepts and principles of finance, accounting and cost accountingTo develop understanding of the financial statements • such as Profit and Loss Account and Balance sheet

events9


events

To introduce the technique of analyzing the financial • statements

(5) Topics covered were:Introduction to Excel as Modeling Tool• Using Excel to calculate Payoffs, Breakeven, other • Financial FunctionsUsing Excel to visualize Payoffs and Pricing of Insurance • SchemesInvestor Grievance Mechanism for Stock Exchange • Transactions Taxability of Capital Gains •

(6) Sixth national Conference organised by Assocham, on Pension, Retirement Planning and Employee benefits.Attended and Addressed by Mr. Ranjeet Mudolkar on Pension and Retirement Planning, Role of Financial Planners

(8)Technical Analysis if used judiciously with proper analysis of long term charts it can be very effective tool for creation of wealth in the long term. This Workshop have taken the participant through an in-depth discussion on Fundamental/Technical Analysis, their theories, scope and limitations.

(9)Financial Planning is an Art and requires high degree of skill and knowledge in drafting the “Financial Plan” which will ultimately suit the requirement of the client. We were pleased to provide the insights to these and other related topics during this Workshop by practicing CFPCM

certificants.

(10)The key objective of the workshop was to provide the students and members of FPSB India with advanced skills in Finance. The Workshop enhanced their knowledge on Financial Statements, Corporate Finance, Risk Management, Advanced Excel Skills – Macros, key terminologies in Finance and Monte Carlo simulation.

(11)Financial Innovations & Developments in Financial Markets, instruments and intermediaries Establishing & Managing the Financial Planning Practice Model Discussions on the Case Study Drafting a Financial Plan

(12) Topic Covered:Including Life Insurance in Financial Planning• Effective Life Coverage, various aspects of Life • Insurance

Relevance of General Insurance in Financial Planning • & Specific focus to help insuranceGeneral Insurance in Financial Planning•

Topics Covered:Debt Markets & Debt Mutual Funds: A 360 degree • perspectiveNew Products in Real Asset Class: Future Prospects• Are precious metals a safe buy even at peak prices?• Regulatory Developments in Indian Securities • Markets

Alexa.com Ranking of FPSb India’s website The ranking of FPSB India’s website www.fpsbindia.org improved drastically to around 10,000 from 73,530 a couple of months ago. The ranking is in terms of traffic of visitors on our website and is confined to within the Indian territory.

Date alexa india rank

12-Nov-2009 73,530

24-Dec-2009 9,844

31-Jan-2010 8,566

28-Feb-2010 11,903

31-Mar-2010 10,689

31-Oct-2010 35,456

30-Nov-2010 32,374

31-Dec-2010 40,696

31-Jan-2011 26,192

31-Jan-2011 26,192

28-Feb-2011 31,781

31-Mar-2011 35,267


The updated list of FPSB India’s Board of Directors is given below:

s.no name Designation Designation & Company

01 Mr. Ajay Srinivasan Chairman

Chief Executive-Financial Services Aditya Birla GroupOne India Bull Centre, Tower I, Jupiter Mills Compound 841,Senapati Bapat Marg, Elphinstone RoadMumbai - 400 013

02 Mr. Gautam Chikermane Vice Chairman

Executive Editor – Business Hindustan Times18-20 Kasturba Gandhi MargNew Delhi - 110001

03 Mr. Anup Bagchi Director

Executive DirectorICICI Securities Ltd.ICICI Centre, H. T. Parikh Marg, ChurchgateMumbai – 400 020

04 Mr. Joydeep Kumar Roy Director

Chief ExecutiveL&T General Insurance Co. Ltd.8th Floor, THE METROPOLITAN, C26/27, ‘E’ BlockBandra-Kurla Complex, Bandra (E)Mumbai – 400 051

05 Dr. Kamal Kishore Goel Director

Executive DirectorUnique Health & Wealth Consultants Pvt. Ltd.UU-11, 1st floor, Vishakha Enclave, PitampuraDelhi

06 Mr. Lovaii A Navlakhi Director

MD & Chief Financial PlannerInternational Money Matters Pvt. Ltd.CRS, 1st Floor , 14, Cunningham Road, Opp. Le Meridien Staff Gate,Bangalore – 560 052

07 Mr. Ranjeet S Mudholkar Director

Principal Advisor FPSB India702, 7th Floor, Leela Business ParkAndheri Kurla Road, Andheri (E), Mumbai – 400 059

08 Mr. Sharad Sharma DirectorCountry Head - Wealth Management BNP ParibasFrench Bank Building, 62 Homji Street, Fort, Mumbai – 400 030

09 Mr. Sundeep Sikka Director

President & CEOReliance Capital Asset Management Ltd.One India Bull Centre, Tower I, Jupiter Mills Compound, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400 013

10 Mr. V Murali Director

GM (Financial Planning & Wealth Management)State Bank of IndiaCorporate Centre, 12th Floor, State Bank Bhava, Madame Cama Road Mumbai - 400 021

11 Mr. Vishal Kapoor Director

Head-Wealth ManagementStandard Chartered Private BankStandard Chartered Tower, 6th Floor, 201 B/1, Western Express Highway, Goregaon (E) , Mumbai – 400 063

list oF boarD oF DireCtors10


The updated list of Charter Members of FPSB India is given below:

S.No. Company Representative Designation

1 Aditya Birla Money Mart Limited Mr. Pankaj Razdan Deputy CEO – Financial Services

2 Alliance Bernstein Mr. Shailesh Haribhakti Representative

3 ASK Wealth Advisors Private Limited Mr. Rajesh Saluja CEO & Managing Partner

4 Axis Bank Limited Ms. Sonu Bhasin President Retail Financial Services

5 Bajaj Capital Limited Mr. Rajiv Deep Bajaj Vice Chairman & Managing Director

6 Barclays Bank PLC Mr. Satya Narayan Bansal CEO - Barclays Wealth

7 Birla Sun Life Insurance Company Limited Mr. Ajay Srinivasan Chief Executive Financial Services

8 BNP Paribas (SA) Mr. Sharad Sharma Country Head - Wealth Management

9 Citibank N.A Mr. Sourabh KumarCountry Investments and Insurance Director

10 Daiwa Assest Management (I) Pvt. Ltd. Mr. Piyush Surana Chief Executive Officer

11 Destimoney Securities Private Limited Mr. Sudip Bandopadhyay President

12 Deutsche Bank AG Mr. Ajay Bagga Head & MD - Private Wealth Mgmt.

13 Dhanlaxmi Bank Mr. Amitabh Chaturvedi Managing Director & CEO

14 Dynamic Equities Private Limited Mr. Shailesh Saraf Managing Director

15 Edelweiss Capital Limited Mr. Vikass M Sachdeva Chief Executive Officer

16 FIL Fund Management Private Limited Mr. Suraj KaeleyDirector – Sales & Product Development

17FPI Padmakshi Financial Planning & Wealth Management

Mr. Yvo Metzelaar Director

18Franklin Templeton Asset Management (India) Private Limited

Mr. Vivek Kudva MD-India & CEEMEA

19 Geojit BNP Paribas Financial Services Limited Mr. C.J. George Managing Director

20 HDFC Asset Management Company Limited Mr. Milind Barve Managing Director & CEO

21 HSBC Limited Mr. Gannesh BharadhwajHead Wealth Management Personal Financial Services India

22 ICICI Bank Limited Dr. G. Ramachandran Head – Global Research Group

23ICICI Prudential Asset Management Company Limited

Mr. Nimesh Shah Managing Director

24 ICICI Prudential Life Insurance Company Limited Mr. Tarun Chugh Chief – Alternate Distribution

list oF Charter MeMbers oF Fpsb inDia11


S.No. Company Representative Designation

25 ICICI Securities Ltd. Mr. Anup Bagchi Executive Director

26 ING Financial Services Private Limited Mr. Navin Suri Managing Director & CEO

27 Karvy Stock Broking Limited Mr. Hrishikesh Parandekar Chief Executive - Wealth Management

28 Kotak Mahindra Bank Limited Mr. C. Jayaram Executive Director

29 KZen Equities Services Pvt. Ltd. Mr. Rahul Patel Managing Director & Partner

30 L&T General Insurance Company Ltd. Mr. Joydeep Roy Chief Executive

31 L&T Mutual Fund Mr. Sanjay Sinha Chief Executive Officer

32 Life Insurance Corporation of India Mr. Arvind Swaroop Secretary- Field Personnel Training

33 Mirae Asset Global Investments (I) Pvt. Ltd. Mr. Arindam Ghosh Chief Executive Officer

34 MetLife India Insurance Company Limited Mr. Rajesh Relan Managing Director

35 Motilal Oswal Securities Limited Mr. Manish ShahAssociate Director - Business Strategy & New Initiatives

36 Networth Stock Broking Limited Mr. Girish Dev Chief Executive Officer

37 Principal PNB AMC Private Limited Mr. Rajan Ghotgalkar Managing Director

38 Reliance Capital Asset Management Limited Mr. Sundeep Sikka President & CEO

39 Reliance Life Insurance Company Limited Mr. Malay Ghosh President

40 Reliance Securities Limited Mr. Vikrant Gugnani Executive Officer

41 Religare Enterprises Limited Mr. Sunil Godhwani Chairman & Managing Director

42 SBI Funds Management Private Limited Mr. Achal Kumar Gupta Managing Director

43 SBI Life Insurance Company Limited Mr. M N Rao Managing Director & CEO

44 SKP Securities Limited Mr. Naresh Pachisia Managing Director

45 State Bank of India Mr. V Murali General Manager (New Businesses)

46 Standard Chartered Bank Mr. Vishal KapoorHead Relationship Management - Pvt. Bank India

47 TATA AIG Life Insurance Company Limited Mr. Suresh Mahalingam Managing Director

48 TATA Asset Management Limited Mr. Sanjay Sachdev President & Chief Executive Officer

49 UTI AMC Limited Mr. Debashish Mohanty Country Head – Retail Sales

50 World Gold Council Mr. Ajay Mitra Managing Director

list oF Charter MeMbers oF Fpsb inDia

