Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Financial

Instruments

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

2

While planning for the future, customers have different investment options to choose from…

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Various investment options available

Bank Products

Life Insurance

Other instrument

s

Post office savings

schemes

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Bank products

A tax saving instrument wherein the interest is credited to the account at the end of each financial year at the rate notified by the Central Government from time to time.

PPF

An account which is opened for a particular fixed period by depositing a particular amount. The rate of interest varies according to amount, period and from bank to bank.

Fixed deposit

The Recurring deposit account is an account in the bank where an investor deposits a fixed amount every month for a fixed tenure in order to get a lump sum after tenure is over. The rate of interest varies according to amount, period and from bank to bank.

Bank recurring deposits

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Various investment options available

Post office savings

schemes

Bank products

Life insurance

Other instruments

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Post office savings schemes

A fixed income/ debt long term investment option offered by the government through postal department and offers tax benefits.

NSC

Time deposit is an interest-bearing deposit that has a specified date of maturity.

Time deposits

A scheme offered by the post offices. Interest is paid out every month based on lump sum amount deposited.

Monthly income scheme

A scheme offered by the post offices. Monthly interest is paid on lump sum amount deposited with the post office.

Recurring deposit

Offers an assured return and tax rebate. Interest is passed on per annum, compounded annually.

NSS

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Various investment options available

Other instruments

Post office savings schemes

Bank products

Life insurance

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Other instruments

Debt instruments issued by the Reserve Bank of India. These offer fixed interest and cannot be liquidated prior to the maturity date.

RBI Bonds

Investments that are made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Each investor participates proportionally in the gain or loss of the fund.

Mutual funds

A share is a single unit of ownership in a corporation, or any other organization. The total capital of a company is divided into a number of shares. The income received from shares is known as a dividend.

Shares

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Various investment options available

Life insurance

Other instruments

Post office savings

schemes

Bank products

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Life insurance

Term EndowmentAnticipated Endowment

Whole life Annuities ULIP

No. Of Years

50,000

100,000

150,000

50,000

100,000

150,000

1 2 3 301 2 3 30

RISK COVER ONLY

In case of death during the policy

term, the Sum Assured is paid.

In case of death

after term there

is no benefit

Provides only death cover during the term of the policy…

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Life insurance

Term EndowmentAnticipated Endowment

Whole life Annuities ULIP

Beneficiary is eligible for death benefit or maturity benefit whicheverhappens earlier

*

* In the above example

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Life insurance

Term EndowmentAnticipated Endowment

Whole life Annuities ULIP

Plan of Insurance which has regular payouts during the term

* In the above example

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Life insurance

Term EndowmentAnticipated Endowment

Whole life Annuities ULIP

Plan of Insurance which offers cover for whole of life

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Life insurance

Term EndowmentAnticipated Endowment

Whole life Annuities ULIP

Pensions are also called Annuities

Purchaser pays the purchase price in lump sum or regularly for a term and starts getting regular income

* Check the product for further details

Strictly for internal circulation only. Should not be further circulated/ used for presentation to a prospect /general publicVer. 1 – w.e.f. Apr. 15

Life insurance

Term EndowmentAnticipated Endowment

Whole life Annuities ULIP

Insurance plans that combine the benefits of Life Insurance as well as participation in the growth of the capital market

Life insurance protectionInvestment

Life insurance protectionInvestment

Life insurance protectionInvestment

Some features of ULIPs:Choice of investment funds; Flexibility of choosing policy term,

premium payment term & cover; Transparency; Tax benefits