development, prosperity and peace achieving milestone for ... · Happy Independence Day India is a Nation built on harmony, development, prosperity and peace achieving milestone for

Investment magazine for Retail Investors VOLUME VIII ISSUE 15

Aug 01-15, 2020IntegratedINVESTMENT UPDATE

Integrated Investment Update, August 01-15,2020 Page 01

www.integratedindia.in

Happy Independence Day

India is a Nationbuilt on harmony,development, prosperity and peaceachieving milestonefor a better future !

Investment magazine for Retail Investors www.integratedindia.inLife Insurance

Some people prefer Life Insurance policies with

an element of Savings in it. The maturity value

or the regular income stream created by such

investment-oriented insurance often serves the

purpose of Retirement planning or helps to

achieve their specific goals such as Child's

Higher Education or Daughter's Marriage.

Savings oriented Insurance plans are classified

into Non participating and Participating

Policies. As the name implies, Non-Participating

Policies do not depend on the performance of

the company and their benefits are assured

upfront.

Non-Par policies are becoming popular for the following reasons:

1. With falling Interest rates, investor would want a guaranteed return in the long run.

2. IRR from Non-par policies are better than FD interest rates

3. Also, the Investor gets upto 10 times Life Cover

4. Tax benefits on the premium paid and Maturity proceeds as well.

We take pleasure in presenting you some of the popular Non-Par products of eminent players. Please contact our branch team in case you need more information.


Life Insurance - Non-Participating Plans(Guaranteed Income)



All benefits are assured at the beginning itself. It also provides with life insurance cover to take care of the family in case of unfortunate death of policyholder.

ILLUSTRATION

Age 40 Premium: Rs. 1,00,000

Total Premium payable : Rs.7,00,000

1

10,0

00

60,0

00

2,10

,000

30,0

00

1,50

,000

1,00

,000

3,50

,000

4,20

,000

4,90

,000

5,60

,000

6,30

,000

7,00

,000

7,70

,000

8,40

,000

2,80

,000

2 3 4 5 6 7 8 9 10 11 12 13 14 15

Premium Payment Term - 7 yrs

Guaranteed Additions : 10% of total premium paid will be added every yearPolicy Term 15 years Insurance is the Subject matter of solicitation.

Guaranteed Additions: Every year, either 9% or 10% of total premiums paid will be added to policy benefits depending on policy term.

Guaranteed Maturity Benefit (GMB): A guaranteed lump sum payable at the end of the policy term.

Flexibility: Choose premium payment term and policy term.

Protection: Get life cover for the entire policy term.

Tax benefits: Tax benefits as per the prevailing tax laws .

Total Benefits:Rs.4,95,393 + Rs.8,40,000

Rs.13,35,393

Guaranteed Maturity Benefit:

Rs. 4,95,393

ICICI ASIP Offers attractive IRR for a limited time

till 31st August,2020.

(Decided by the insurer)


Meet tomorrow's requirements while protecting loved ones with guaranteed returns. Increasing Life Cover for the entire policy term.

ILLUSTRATION

Key Features:

Ÿ Flexibility to choose Plan Option: Endowment, Regular Income or Whole Life Income

Ÿ Receive guaranteed benefits on Maturity or Death

Ÿ Guaranteed Additions that boost corpus year on year under Endowment Option

Ÿ Flexibility to cover spouse in same policy under Whole Life Income Option

Ÿ Choice of Policy Term with limited Premium Payment Term

Ÿ Enhance your protection with optional Riders

Plan Option : Endowment

1 1

Age : 40 Mode : Single Life

PPT : 10 yrs Policy Term : 20 yrs

Annualised Premium : Rs. 1 Lakh

Total Premium paid : Rs. 10,00,000

Basic Sum Assured : Rs. 13,50,000 (Decided by Insurer)

+

Insurance is the Subject matter of solicitation.

1 1

Year 1 10 20

Age 140

Rs.13,50,000 Rs.24,75,750

Rs.11,85,000

Rs.11,85,000

Increasing Life cover for entirepolicy term with Accrued GA

Guaranteed Additions (GA)Rs.59,250 p.a. for 20 years

AccruedGuaranteed Additions

GuaranteedMaturity Benefit

49 59

Annual Premium ofRs. 1 Lakh for 10 years

Total Premium Paid Rs.10,00,000 Total Maturity Benefit Rs.23,70,000



A plan that helps to achieve personal milestones in life with assured benefits. Comes with three plan options to choose from depending upon life stage and priorities. Provides Life Cover to protect family’s future.

Key features :

Ÿ Guaranteed Income option: Guaranteed Income Benefit offering more than double the premiums paid for 12 pay option.

Ÿ Life long income option: Guaranteed Income till age 99 years plus return of premiums paid at the end of Payout Period.

Ÿ Long term income option: Guaranteed Income for a fixed term of 25 or 30 years plus return of premiums paid at the end of Payout Period.

Ÿ Enhanced benefit for policies with Annual Premium more than Rs. 1,50,000.

Ÿ Tax benefits as per prevailing tax laws.

Ÿ Optional Riders - Enhance protection coverage with rider options on payment of additional premium.


Age 50 Premium: Rs. 1 Lakh p.a

Sum Assured : Rs.10,50,000

Guaranteed Income option:

Maturity Amount Maturity Amount

Life long income option: Long term income option:

* * *

PPT : 10 yearsPolicy Term : 11 years

Maturity Benefit:Rs. 20,00,000

Pay out period : 10 years

Guaranteed Income of Rs.2 Lakhs p.a

th stfrom 12 year to 21 year


Maturity Benefit:Rs. 36,25,000

Pay out period : 25 years

Guaranteed income of Rs.1,05,000 p.a from

th th12 year to 36 year + Rs.10 Lakhs that the end of 36 year

Maturity Amount


Maturity Benefit:Rs.20,40,000

Till age 99

Guaranteed Income of thRs.35,000 p.a from 7 year +

thRs. 5 Lakhs at the 99 year

Age 40 Premium: Rs. 1 Lakh p.a.

Sum Assured : Rs.11,50,000

ILLUSTRATION

* * *



This Plan provides a regular income and security for family despite the ups and downs of life. The guaranteed monthly income increases every year while the guaranteed periodic lump sums can be invested in business or fulfill family's goals. Moreover, the life insurance cover in this plan ensures that family continues to fulfill their goals in case of any unforeseen eventuality.

ILLUSTRATION

Age 45 years

Policy term 20 years

Premium Payment Term 10 years

Premium Amount Rs.50,000 p. a (will be chosen by investor)

Sum Assured Rs.1,86,600(decided by Insurer on the basis of premium)

Benefit Amount RemarksA. Total Guaranteed Money Back Benefit 1,86,600 25% of Rs.1,86,600 = Rs. 46650 paid in 4 instalments

B. Total Regular Monthly Payouts 4,75,830 Payout starts at 11th year. (1% x 12 x 1,86,600) and increases by 0.25% for following years.

C. Guaranteed Loyalty Addition 18,660 1% X 1,86,600 x 10D. Guaranteed Maturity Addition 37,320 1% X 1,86,600 x 20

Total Maturity Benefit (C+D) 55,980

Total Benefit (A+B+C+D) 7,18,410


Loyalty Addition, payable at the end of the premium payment term Maturity Addition, payable at the end of the policy term

Select amongst the policy terms of 10/20/30/40/50 years and pay for half of the policy term.

Choose to pay premiums yearly, half-yearly, quarterly or monthly.

Money Back Benefits at the end of every five policy years till maturity. Increasing regular monthly income payouts from the end of the premium payment term.

Enjoy tax benefits on the premiums paid and benefits received, as per applicable income tax laws.



ILLUSTRATION

Age 40 Premium: Rs. 1,00,000 p.a.

Total Premium payable : Rs.10,00,000

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Premium Payment Term - 10yrs

Policy Term - 20 years

Sum AssuredRs.11,93,467

(Decided by Insurer)

Maturity Benefits Amount Remarks

1. Basic Sum Assured 11,93,367

2. Accrued Guaranteed Yearly Additions 5,50,000 @ 10% of cumulative premium (Rs.10000 +

20000 + 30000 +… + Rs.90000 + Rs.100000)

3. Guaranteed Loyalty Addition 2,38,673 @ 20% of sum assured

Total Maturity Benefit (1+2+3) 19,82,040Insurance is the Subject matter of solicitation.

Kotak Assured Savings Plan provides affordable protection and also helps accumulate wealth for achieving future financial goals by giving guaranteed benefits.

Key Features

Ÿ Guaranteed Maturity Benefit payable at maturity

Ÿ Basic Sum Assured, PLUSŸ Accrued Guaranteed Yearly Additions,

PLUSŸ Guaranteed Loyalty Addition

Ÿ Increasing life cover – Guaranteed Yearly Additions added every time premium is paid, payable at maturity or earlier death.

Ÿ Longer the premium commitment, higher the benefits – Guaranteed Yearly Additions and Guaranteed Loyalty Addition increases with increase in premium payment term (PPT).

Ÿ More value for money through high premium benefits resulting into higher Basic Sum Assured.

Ÿ Option to enhance Protection through a wide range of Riders.

Ÿ Tax benefit on premiums paid u/s 80(C) and benefit received u/s 10(10D).


It gives us a sense of satisfaction that in the last 3 months

we have helped more than 1000 families to stay adequately protected.

Get the right Coverage to suit your Lifestyle & Budget.

HEALTH INSURANCEIndividual Plans | Family Floater | Group Policies

To know more, please contact Team Integrated

Disciplined way to invest. Rupee Cost Averaging

No need to time the Market ! Wealth creation over Long term

To invest, please contact Team Integrated

Suggested MF schemes:

MULTI CAP

ABSL Equity

Canara Robeco Equity Diversified

DSP Equity

Kotak Standard Multicap

SBI Magnum Multicap

UTI Equity

LARGE & MID CAP

Canara Robeco Emerging Equities

Kotak Equity Opportunities

Principal Emerging Bluechip

SMALL CAP

Axis Small Cap

SBI Small Cap

MID CAP

Axis Mid Cap

DSP Mid Cap

Kotak Emerging Equity

L&T Mid Cap

Investment magazine for Retail Investors www.integratedindia.inFixed income securities

Flexibility to the depositor to invest monthly with the best interest rate over the complete tenure

Bajaj Finance offers a Systematic Deposit Plan

Salient features of the product –

Ÿ A type of Fixed Deposit which investor can invest monthly.

Ÿ ROI is the same as that of regular FD.

Ÿ Minimum Investment of Rs. 5000 per month.

Ÿ Rated AAA(Stable) by CRISIL & ICRA.

Suitable for customers who would like to invest

small amount in a monthly mode to create corpus

for future needs.

Further details, please contact Team Integrated.


CORPORATE FIXED DEPOSITS INTEREST RATE FOR 3 YEARS

7.10 % 7.15%

8.15%0.40% Additional for Senior Citizen

8.15%0.40% Additional for Senior Citizen

6.90% 6.35%

6.10%RATING: FAAA/Stable by CRISIL.

RATING: FAAA/Negative (CRISIL) / MAA+/Stable (ICRA)

0.25% Additional for Senior Citizen

LIC Housing Finance Ltd.

Disclaimer: Please note, Corporate Fixed Deposits are basically unsecured in nature. Investors are advised to refer financial details of the company carefully before taking investment decisions. Interest rates are subject to change and the rate applicable will be the rate prevalent on the date of deposit.

M/s. Integrated Enterprises (I) Pvt. Ltd. / its Directors / its Employees cannot be held responsible for individual investment decision based thereon.

Rates updated on 14.08.2020

Investment magazine for Retail Investors www.integratedindia.inNew investment opportunities

RBI Floating Rate Savings Bonds, 2020 (Taxable)

Ÿ Minimum investment amount Rs.1000 and in multiples of Rs.1000

Ÿ Forms of Bonds : Electronic form held in the Bond Ledger Account.

Ÿ Category of investors : Resident individual / HUF

Ÿ Half-yearly interest is payable on 1st January / 1st July. No Cumulative option.

Ÿ The coupon rate on 1st January 2021 shall be paid at 7.15%.

Ÿ The coupon rate payable for next half-year would be reset on 1st January, 2021 and

thereafter, every 1st July and 1st January.

Ÿ Income from the bonds is taxable.

Ÿ Maturity Period : 7 years

Ÿ Premature facility available after lock in period of 4 years (for age above 80 years) 5 years (for age between 70 - 80) and 6 years (for age between 60 -70 years)

Ÿ Nomination facility available.

Ÿ The bonds are not transferable / not tradable.

ATTRACTIVE RETURN WITH 100% SAFETYHIGHLIGHTS

To invest, please contact Team Integrated

NEW FUNDOFFERS

Baroda Large & Mid Cap FundAn open-ended equity scheme investing in both large cap and mid cap stocks

New Fund Offer Opens on: Aug 17, 2020 & Closes on: Aug 31, 2020

NFO Open. NFO Closes on: Aug 21, 2020


Investment magazine for Retail Investors www.integratedindia.inSnippets

Dispensing with physical signature on proposal forms of Term Plans.IRDA has issued a circular allowing Life Insurers to obtain the customer's consent without requiring wet signature on the hard copy of the proposal form, for the business solicited by insurance agents / intermediaries subject to following:a. The completed proposal form shall be sent to the prospect on his/ her registered e-mail ID or mobile number in the form of an e-mail or a message with a link as the case may be.b. The prospect, if he / she wishes to consent to the proposal, may do so by clicking the confirmation link or by validating the OTP shared. The Insurer shall maintain verifiable, legally valid evidence for the proposer's consent received for the fully completed proposal form. Further, the insurer shall not accept any payment of moneys towards proposal deposit till the receipt of consent of the proposer.c. In all such cases, the agent / intermediary shall confirm that only the approved sales material has been used during the solicitation process. They shall also certify the authenticity of the e-mail ID and/or mobile number of the prospect.The above facilitation is allowed on an experimental basis with immediate effect till 31st December, 2020, and is limited to pure risk products, i.e., products that do not involve any savings element.

IRDAI permits life insurers to issue policies electronically:Due to rising of the current pandemic situation and with the disruption of the normal business activities, IRDAI has allowed Life Insurers to issues Life Insurance Policies electronically. The Insurance Regulatory and Development Authority of India issued a circular the life insurance companies from the requirement of issuing policy document and copy of proposal form in physical form, subject to certain conditions. It was stated this exemption would be provided to all policies issued during 2020-2021.This decision was taken from IRDAI after receiving feedback from the Life Insurers expressing the difficulties in printing and dispatching the policy documents and with the desirability to adopt the digital means in doing up the business for the policyholders and the stake holders.Further IRDAI stated that there will be a mandatory 30-day free look period for all electronic policy documents. It was also stated that the insurer will be required to obtain express consent of the policy holder to receive the electronic policy bond. If the policyholder insist a hard copy of the document, the same has to be issued without any charge.



MCA to closely work with SEBI for implementation:The Corporate Affairs Ministry (MCA) will work closely with capital markets regulator SEBI for implementation of the 'Business Responsibility and Sustainability Report (BRSR)' framework in the country, its Secretary Rajesh Verma has said. The panel comprised of representatives from MCA, SEBI, three professional institutes, and two eminent professionals who had worked on developing the National Guidelines on Responsible Business Conduct (NGRBCs). The following were discussed in the meeting by MCA to the SEBI members.Ÿ MCA would appoint committee on Business

Responsibility Reporting (BRR). It was highlighted that Indian companies are aspiring to have a global foothold and thus they cannot ignore the emerging trend of Corporate Governance, i.e. Responsible Business.

Ÿ The professional institutes and business associations to carry out the advocacy campaign for BRSR and capacity building of their respective members.

Ÿ To develop new BRR formats for listed and unlisted companies.

Ÿ The MCA Committee recommended a new reporting framework called as the 'Business Responsibility and Sustainability Report (BRSR)' to reflect better the intent and scope of reporting on non-financial parameters.

Ÿ The committee recommended two formats for disclosures: one 'comprehensive format' and the second a 'Lite version'. The implementation would be done in a gradual and phased manner.

Ÿ The committee also recommended that the BRSR be integrated with the MCA21 portal. As a long-term measure, the committee envisions that the information captured through BRSR filings be used to develop a Business Responsibility-Sustainability Index for companies.

India making rapid strides in bridging digital payments divide:

MastercardIndia is making rapid strides in bridging the digital payments divide, Bengaluru leads in contactless transactions, and penetration of contactless transactions is the highest in the lowest ticket size, reveals a recent digital payments poll conducted by Mastercard in India.In the current environment, in fact, there has been significant growth in adoption of contactless payments, both globally and in India. Consumers are aware that contactless technology and digital payments can ease some of the tension by reducing a measure of daily risk when we pay. This technology also empowers some of the most financially vulnerable with a safe and secure way to make and receive payments.



According to Mastercard data, there is a 19% increase in the actual contactless cards issued in Q1 2020 over Q4 2019. Currently, the top 5 cities in contactless transactions are Bengaluru at 16%, Delhi and NCR at 12%, Chennai at 7% and Mumbai at 6%. The South region dominates the contactless ecosystem with maximum number of contactless transactions seen there. Bengaluru has by far the highest number of contactless transactions, more than twice the next city which is Hyderabad.

54% of the respondents know how to use a contactless card on a PoS machine. 53% of the respondents know that consumers don't get

charged multiple times if the contactless card is tapped more than once. However, 30% did not know this highlighting the need for more awareness on the safety of contactless payments. 74% of the respondents, a high number, said that they will continue to make purchases digitally or via contactless mode in the coming times. 51% of the respondents know that contactless card remains in the hand of the customer while making a transaction. 49% of the voters know that a POS machine with a WIFI symbol will allow them to use a contactless card to make a payment.

Morbidity rate: The morbidity rate is the frequency or proportion with which a disease appears in a population. Morbidity rates are used in actuarial professions, such as health insurance, life insurance, and long-term care insurance to determine the premiums to charge to customers. Morbidity rates help insurers predict the likelihood that an insured will contract or develop any number of specified diseases and thus develop competitively-priced insurance policies in its regulated industry.

Calculating Morbidity Rates : The morbidity rate is shown as a percentage. It is calculated by dividing the number of cases of a disease, injury, or disability by the total population during a specific time period, as shown below:

No.of cases of disease / injury/ disability

PopulationMorbidity Rate =

INSURANCE


Investment magazine for Retail Investors www.integratedindia.inContact

We have opened branches in many locations after lockdown. For the safety of our customers and employees, we request you to transact Digitally. In case of any difficulty, you can always visit our branches. We are giving below our branch / teams contact for your reference.

TAMILNADU REGIONCBE - R.S.Puram : Janaki Apts., Ground Floor, 29/176, Ramalingam Road (West), R.S. Puram, Coimbatore - 641 002. Ph: 2471 944 / 505CBE - Saibaba Colony : Shop No.19 / 20 Ground Floor, Aarpee Centre, 320 N NSR Road, Saibaba Colony, Coimbatore - 641011 Ph: 2434 391 / 358CBE - Vadavalli : 3/28-7, VRR Complex, Maruthamalai Road, Vadavalli, Coimbatore - 641 041. Ph: 4212 456 / 4223 737CBE - Ramanathapuram : No.1956, Matha Complex, (Opp. City Union Bank), Trichy Road, Ramanathapuram, Coimbatore - 641 045.Ph: 4210 203 / 2327 379CBE - Ganapathy : No. 41/5, 1st Floor, L.G.B. Nagar, Sathy Road West, Saravanampatti (Post), Coimbatore - 641 035 Ph: 4641 313 / 2666 566Dindigul: Sri Mahalaxmi Complex, 1st Floor, 72/42, New Agraharam, Opp, BSNL Customer Care, Palani Road, Dindigul - 624001 Ph: 2433 402 / 403Karaikudi : Mahendra Complex, 7/1, Poisollameyyar Street, New Town, Karaikudi - 630 001. Ph: 238 452 / 235 174Kumbakonam : 36/37, Pachayappa Street, Kumbakonam - 612 001. Ph: 2431 520 / 2422 670Madurai - Simmakal : 82, 1st Floor, Vakkil New Street, Madurai - 625 001. Ph: 2630 305/ 2620 560Madurai - K.K.Nagar : 2B/1, Valamjee Mansion, (Opp. to District Court), Madurai Melur Road, Vinayagar Nagar, Madurai - 625 020 Ph: 4358 234 / 4368 234Madurai - S S Colony : 30/1, Navalar Nagar, 1st Street, S.S. Colony, Madurai - 625010 Ph: 2302 304 / 4986 272Madurai - TVS Nagar : Old No. D-67 (New no 131) Rajam Road, TVS Nagar, Madurai - 625 003. Ph: 4246 644 / 2695 000Mayiladuthurai : 1A/2, Kallarai Thoppu Street, Mayiladuthurai - 609 001 Ph: 240 046 / 243 045Neyveli : Shop No.4, First Floor, Neyveli Plaza, Main Road, Indira Nagar, Neyveli - 607801. Ph: 266 736 / 836Puduchery : No.40-A,Aurobindo Street, (Between M.G.Road & Mission Street), Pondicherry - 605 001. Ph: 2222 155 / 4207 233Pudukottai : TS No. 3604/15, 1st Floor, Lakshmipuram 1st Street, Team Hospital Backside, Opp to New busstand, Pudukottai - 622001. Ph: 225 005/224 015Salem : Shop No.8/9/10, M.R.Complex, 1st Floor, No.114, Kanakupillai Street, Alagapuram, Salem - 636016. Ph: 2446 727 / 2336 746Thanjavur : 1999, Kamal Towers, West Main Street, Thanjavur - 613009 Ph: 230 928 / 929Tirunelveli : Arunagiri Complex Next To SBI 25b-1/31 and 25b-1/32 I Floor, S.N.High Road, Tirunelveli Junction - 627 001 Ph: 2323 331 / 332Tiruppur : Ground Floor, Door No.66-C.G.G. Towers, Kumaran Road, Tiruppur - 641 601Ph: 4320 332Trichy - Thillai Nagar : 25-A Sastri road, Gitanjali Apts ,Thillai Nagar,Trichy - 620018 Ph: 4023 168/ 4024 068Trichy - Chatram Bus Stand : Chitra Complex - No.9, 1st Floor, Near Chatram Bus Stand, Trichy - 620 002. Ph: 2703 670 / 2716 387Trichy - Srirangam : 100B,Gandhi Road,Srirangam, Trichy - 620 006. Ph: 2436 211 / 2431 244Trichy - K K Nagar : Door No. 16 & 20, Ground Floor, City Centre, 4th Street, Sundar Nagar, Trichy - 620 021. Ph: 4030 300 / 4012 444

CHENNAI REGIONAdyar : Ground Floor, 15, Balaram Road, Adyar, Chennai - 600 020. Ph: 2442 0776 / 2491 4178Adambakkam : Door No 14, R.K. Plaza, 1st Floor, 1st Shop, Lake view road, Adambakkam, Chennai - 600 088. Ph: 2260 1351 / 0146Ambattur : Old No.18/2 , New No.58,Mounasamy Madam Street, Ambattur, Chennai - 600 053. Ph: 2657 0654 / 0679Anna Nagar : No: W-65 A1, TLV Manor, Ground Floor,(Opp. Tower Club), Annanagar, Chennai - 600 040. Ph: 2628 2616 / 2621 4371Ashok Nagar : New No. 33, 11th Avenue, (Near Grand Sweets), Ashok Nagar, Chennai - 600 083. Ph: 2489 5378 / 2471 8482Avadi : MIG Plot No 3461, Ground Floor, TNHB, Avadi, Chennai - 600054. Ph: 2655 0413 - 0416Chrompet : No.53 and 55, First Floor, Shop-C, Station Road, Radha Nagar, Chrompet,Chennai - 600 044. Ph: 2265 3171 / 3172George Town : Old No 111 New No 227, Thambu Chetty Street, First Floor (Nr Kalikambal Kovil), George Town , Chennai - 600 001. Ph: 2524 1041 / 2521 9488Mogappair : Poomani Plaza, Block No.6, Door No.3, First Floor, Mogappair West, Chennai - 600037 Ph: 2653 1033 / 1381Mylapore : Shop No. 36 ,TNEB Complex, Gr. Floor, LUZ Golden Enclave, Door No. 180, Luz Church Road, Mylapore, Chennai – 600004 Ph: 2498 3748 / 3502Nanganallur : No 15, 14th Street, 3rd Main Road, Nanganallur, Chennai - 600 061. Ph: 2267 3928 / 3728Perambur : New No.73, Old No. 33, Madhavaram High Road, Perambur, Chennai - 600 011. Ph: 2552 1353 / 1352Periyar Nagar : Old No. 40, New no. 16, First main road, Jawaharnagar, Chennai - 600 082 Ph: 2670 3125 / 3126 / 3140Porur : 2/52, 1st Floor, Vinayagar Koil Street, New colony, (Near St John School), Porur, Chennai - 600 116 Ph: 2476 5137 / 6755Saligramam : No.13/49, Arunachalam Road, Saligramam, Chennai - 600093 Ph: 2376 3751 / 3752Tambaram : 8/38, Duraiswamy Reddy Street, Tambaram West, Chennai - 600 045 Ph: 2226 0557 / 0386T.Nagar - Motilal Street : 42/1, Motilal Street, T.Nagar, Chennai - 600 017. Ph: 2434 7827 / 7830 / 1642T.Nagar - North Usman Road : 1st Floor, Kences Towers, 1, Ramakrishna Street, North Usman Road, T.Nagar, Chennai - 600 017. Ph: 2814 0484Velachery : No.1/5, Ground Floor, Maheswari Nagar, 100 Feet Bye Pass Road, Velachery, Chennai - 600 042. Mobile : 98409 08240Virugambakkam : No.1, Rajeswari Colony, First Floor, (Near Girias & Next To LIC), Virugambakkam, Chennai - 600 093. Ph: 2377 4408 / 4497West Mambalam : New No.40 - Old No.179/1, Lake View Road, West Mambalam, Chennai - 600 033. Ph: 2474 8319 / 8320



KERALA REGIONCochin - MG Road : 'RAJ SOUDH', I Floor, 39/3477, M.G.Road, Ernakulam - 682 016. Ph: 2358 922 / 923Palakkad : 17/1923, 17/1924, A.R. Complex, Priyadharshini Road, Opp. Priyadharashini Theatre, Palakkad - 678 001 Ph: 90720 02444 / 90720 03444Thrissur : Door No 29/586/A18, Sree Lakshmi Building, Shornur Road, P.O. Thiruvambady, Thrissur - 680 022 Ph: 2320 192 / 191Trivandrum : D-NET Tower, TC 28/2875 (4), 1st Floor, Sahodarasamajam Lane, Vanchiyoor, Trivandrum - 695 035. Ph: 2461 593 / 2478 225Trivandrum - Sasthamangalam : TC. 9/679-4, Lekshmi Plaza,Vellayambalam, Sasthamangalam Po, Trivandrum - 695010 Ph: 4000 206 / 2318 022

KARANATAKA REGIONBGL - Malleswaram : No 12, Ramanuja Plaza, Ground Floor, 5th Cross, Malleswaram,Bengaluru - 560 003. Ph: 2344 6386 / 2346 1470BGL - Indira Nagar : No. 671, 17th D Cross, Indiranagar 2nd Stage, Bengaluru - 560 038. Ph: 2525 8490 / 2521 9347BGL - Jayanagar : No-20( old CITB No-56) , 1st Floor, 8th-F Main Road, Jayanagar 3rd Block, Bengaluru, 560011. Ph: 2244 1561 / 2653 4659BGL - Banashankari : 1296 1st Floor, 30th Main Road, Banashankari 2nd Stage Bengaluru - 560 070. Ph: 80889 33443 / 2671 1389BGL - Gandhi Nagar : 22/5, Jala Shambhavi Complex, (I Flr), 22/23, 1st Main Road, Kalidasa Marg, Gandhi Nagar, Bengaluru - 560 009 Ph: 2234 0034 /4153 0319BGL - Bannerghatta Road : No.73/2C, Thimmappa Reddy Layout, Hulimavu Gate, Bannerghatta Road, Bengaluru - 560 076. Ph: 4953 4732 / 6413Mangaluru : F-1, 1st Floor, Ram Bhavan Complex, Kodialbail - 575 003. Ph: 2440 163 / 2447 051Mysuru : 133, Shika Towers, Second Floor, Rama Vilas Road, Mysuru - 570 024. Ph: 2424 188 / 4266 682

ANDHRA & TELANGANA REGIONGuntur : 6-9-15,9/1 Aurndelpet,Guntur - 522002 Ph: 2326 624 / 2337 809

Hyderabad - Basheerbagh : D. No 5-10-188/2, R.No. 102 B, First Floor, Summit Apts, Opp. Bandline, Hillfort Road, Hyderabad - 500 004 Ph: 2324 2375 / 2472

HYD – Kukatpally : 15-31-2L-11/10, I Flr, Opp: Holy Mary Degree College, Pillar No.20, JNTU Hitech City Rd, Phase III, KPHB Colony, Hyd - 500 085Ph: 2305 8088 / 89

Kakinada : 2-1-69/1,Ist Floor, Opp. Andalamma College, Perraju Peta, Kakinada - 533 003. Ph: 2377 258 / 2341 205

Rajamundhry : D. No. 6-13-1, First Floor, Kankatalavari Street, Near Kotipalli Bus Stand, T.Nagar, Rajahmundhry - 533 101 Ph: 2422 120 / 2437 533

Secunderabad : D No.1-2-63,64 & 73/2, No-4 ,Ground Floor, S R Arcade, Parklane, Secunderabad - 500 003 Ph: 2784 5605 / 2781 6080

Vijayawada : D No. 29-13-29, Ist Floor, Kaleswara Rao Road, Near Dornakal X Roads,Suryaraopeta,Vijayawada - 520 002. Ph: 2472 414 / 2470 517

Vishakapatnam : D.No.47-9-17, Ground Floor, III Lane, Dwaraka Nagar, Visakhapatnam - 530 016 Ph: 2513 606 / 2747 020

MAHARASHTRA REGIONAndheri : A-27 Laram Centre, 24, S.V. Road, Andheri West, Mumbai - 400 058. Ph: 2628 2685 / 2686Bandra : No. 8, Veena Beena Complex, Opp Bandra Railway Station, Bandra West, Mumbai – 400 050. Ph: 6698 1242 / 1243 Borivali : No. 4, Gora Gandhi Apts, 1st Floor, Above Hotel Samrat, Chandavarkar Lane, Borivali West - 400 092 Ph: 4208 7200 / 7201Chembur : 11 and 12, Gr Floor, Neelkanth Commercial Complex, Next to Hotel Orchids, Govandi Road, Chembur - 400 071. Ph: 2521 0768 / 7660Dombivli : No. 107, Triveni Building, 1st Floor, Opp: Bata Show Room, Jawaharlal Nehru Road, Dombivli East - 421 201 Ph: 2861 712 / 2433 471Fort : No. 59, Sonawala Building, Gr.Floor, Bombay Samachar Marg, Fort, Mumbai - 400 023 Ph: 2266 2728 / 2825Ghatkopar : No. A-111, Kailas Plaza, Vallabhbaug Lane, Ghatkopar East, Mumbai - 400 077 Ph: 2508 6488 / 6632Matunga : No 3, Plot No 402, Ground Floor, Hari Mangal Manor, Telang road, Opp: Shankar Matt, Matunga East, Mumbai - 400 019 Ph: 2401 3163 / 3164Mulund : No.11, Alps Heights, Dr. R.P. Road, Mulund West, Mumbai - 400 080. Ph: 2569 0700 / 2592 7065Thane : No. A – 201, Krishna Plaza, Station Road, Naupada, Thane West – 400 601 Ph: 2530 1256 / 1257Vasantvihar : No. 22,Amrapali Arcade, Vasant Vihar, Pokhran Road 2, Thane West - 400 610 Ph: 2173 0813 / 0814Vashi : No. 13, Arenja Corner, Sector - 17, Vashi, Navi Mumbai - 400 703 Ph: 2766 0042 / 0043Vileparle : No.105, 1st floor, Super Market, Monghibai Raod, Next to Bank of Maharashtra, Vile Parle East, Mumbai – 400 057 Ph: 2613 3855 / 2618 2137Pune Shukrawarpeth : 7 & 8 Arthshilp, Gr.Floor, 1349, 1350, Shukrawar Peth, Bajirao Road, Pune - 411 002 Ph: 2448 1891 / 2447 3944Pune Camp : No. 10, Gr. Floor, Kumar Pavilion, 2424, Timya Road, Next to Victor Cinema, East Street, Camp, Pune- 411 001 Ph: 4123 9797 / 4125 9797Pune Kothrud : No. E-7, 2nd Floor, Rahul Complex, Paud Road, Kothrud, Pune - 411 038 Ph: 4125 9595 / 9596Nagpur : No. GS-3, Amarjyoti Palace, Dhantoli, Wardha Road, Nagpur 440 012 Ph: 2420 105 / 605Nasik : B-Wing, Parshuram Apts, Opp. Times of India Office, College Road, Nasik - 422 005 Ph: 2575 524 / 534


Contact Person Contact No.Mr. Sivakumar KGVD 90008 97454

Basheerbagh - Stock BrokingNellore

DP Division / Investments & Insurance Division

Contact Person Contact No. Mr. Ashok Kumar P 9849912531 Mr. Ravindra Babu N 9989598243

NelloreStock Broking Division

Contact Person Contact No. Mr Wahidkhan P 9885221180 Mr E Raja 9154388118


GUJARAT REGION

Ahmedabad - Navrangpura : 21, Nirman, Gr.Floor, Behind Navrangpura Bus Stop, Navrangpura,Ahmedabad - 380 009. Ph: 2644 3289 / 7825Ahmedabad - Mani Nagar : LG 8/9/10, H.J. House, Opp. IOC Petrol Pump, Rambaugh, Maninagar,Ahmedabad - 380 008. Ph: 2545 0718 / 2546 3670Ahmedabad - Chandkheda : F5, Samruddhi Complex, Opp. SBI, New C.G. Road, Chandkheda, Ahmedabad - 382 424 Ph: 2329 6934 / 935/ 936Baroda - Alkapuri : F- 40/41, National Plaza, 1st Floor, R.C.Dutt Road, Alkapuri, Baroda - 390 007. Ph: 2343 677 / 2323 783Baroda - Raopura : Samarth Building, Ground Floor ,Near Gujarati School, Shiyapura, Opp. Lane of Chittesthan Hanuman Mandir, Baroda - 390 001. Ph: 2421097-99Baroda - Makarpura : FF-101, Kishan Atria, Near Manjalpur Hospital, Tulsidham Cross Road, Makarpura Road, Manjalpur, Baroda - 390 011. Ph: 2648 001 / 002Rajkot : 130/131, Star Chambers, 1st Floor, Harihar Chowk, Dr. Rajendra Prasad Road,Rajkot - 360 001. Ph: 2220 730 / 2240 373

Surat Branch

Contact Person Contact No. Email IDBranch Manager Mr. Anilkumar Rana 9879607843 [email protected] Manager Mehul Dahiwala 7567248004 [email protected] Mr. Sanjay Patel 9824475594 & Chetan Modi 9537378584

[email protected]

DELHI / UP & MP REGIONNew Delhi - Karol Bagh : RD Chambers, 3rd Floor, 16/ 11, W.E.A., Arya Samaj Road, (Above Kotak Bank), Karol Bagh,New Delhi-110 005. Ph: 4517 0331 / 332New Delhi - Nehru Place : No. 19-B, Ground Floor, Hemkunt Chambers, Nehru Place, New Delhi - 110 019. Ph: 4668 1444 / 1445New Delhi - Janakpuri : 108, 1st Floor, Jaina Tower –1, District Centre, Janakpuri, New Delhi – 110058 Ph: 4517 0345 / 346New Delhi - Preet Vihar : Off No. - 502, 5th Flr, Laxmi Deep Bldg, Plot No.9 District Centre, Laxmi Nagar, Nr. Nirman Vihar Metro, Delhi - 92.Ph: 4254 8835 / 4758 7168Lucknow : Office No.2, Ground Floor, Saran Chambers II, 5 Park Road, Lucknow - 226 001. Ph: 4343 004 - 06 / 4060 085Bhopal : MF-7, A Block, Mezzanine Floor, Mansarovar Complex, Habibganj Station Road, Bhopal - 462011. Ph: 4266 005 / 006

WEST BENGAL REGIONKolkata - South : Flat No.1-B, 4C Lansdowne Place, Opp. Road of Ramakrishna Mission Hospital, Kolkata - 700 029. Ph: 2474 6400 / 2705Kolkata - Salt Lake : BA-37, Sector -1, PNB Island, Kolkata- 700 064 Ph: 2358 0900 / 0890Kolkata - Dalhousie : No. 210, A-Wing,2nd Floor, 24, Hemanta Basu Sarani, Mangalam, Kolkata - 700001 Ph: 2231 0556 / 0557Kolkata - Garia : E/188, Ramgarh, Ground Floor, P.O.Naktala, Garia Ganguli Bagan, Kolkata - 700047 Ph: 2430 4051 / 4052East -Jamshedpur : Shop No.1, Meghdeep Apts, H No.5, Line No.2, Q Road, Bistupur, Jamshedpur, Jharkhand - 831001 Ph: 2321 319 / 330East -Patna : No.313, Jagat Trade Centre, Fraser Road, Patna 800 001. Ph: 2205 943 / 2216 166


Kind Attention to Chennai - Mylapore and Velachery Investors !We are shifting our above branches

to the following address from 21st August, 2020

Mylapore VelacheryShop No. 36 ,TNEB Complex, Gr. Floor,

LUZ Golden Enclave, Door No. 180, Luz Church Road,

Mylapore, Chennai – 600004 Ph: 2498 3748 / 3502

No.1/5, Ground Floor, Maheswari Nagar, 100 Feet Bye Pass Road,

Velachery, Chennai - 600 042.Mobile : 98409 08240

1

Courtesy : Financial Inclusion and Development Department, RBI

MASTERING MONEY IN

RELATIONSHIPS

Use a money management strategy

Have equal access to andcontrol of money

Be open about money

Discuss all aspects of your money: details about your income, assets, debts and student loans; how much your siblings or other family borrow from you.

Develop a common vision

Discuss your goals and expectations and what role money will play in them. Don’t assume your partner knows what you want or that you both have the same wishes.

Track all your expenses

Record all your expenses for about 3 months. You’ll be surprised what you and your partner spend your money on. Knowing your spending habits will help you manage money better.

Now agree on a strategy that helps you both achieve your goals: how to manage your bank accounts and how much you will each keep for personal use.

Make money related decisions and plans jointly. Arrange to have equal access to the joint funds and assets to encourage transparency and accountability.

Documents

development, prosperity and peace achieving milestone for ... · Happy Independence Day India is a Nation built on harmony, development, prosperity and peace achieving milestone for