Monthly Publication from GUPTA INVESTMENTSth thPosted at Mumbai Patrika Channel Sorting Office Mumbai on 7 & 8 of Every Month.

R.N.I. NO. : POSTAL REGD. NO. :

MAHENG/2001/5593MH/MR/N/213/MBI/12-14

“Quality Investment under one roof ” June - 2012

PRICE Rs. 1/-

Volume - XI Issue -6

PUBLICATION

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

TM

Visit us at : www.guptainvestments.com

Shriram Transport Finance Company. (STFC), established in 1979, is one of the India's largest professionally managed asset finance company, specializing in vehicle finance.

² The company is the leader in used truck finance and vehicle finance industry with market share of 25%. ² Expertise in loan origination, valuation and collection, construction equipments and road logistics. ² “Best PE-Backed Company Award for 2008” in research-cum-survey conducted by Venture Intelligence. ² “Silver Shield” for “Excellence in Financial Reporting” by the Institute of Chartered Accountants of India (ICAI) ² Company's Fixed Deposits have “FAA+/stable” by CRISIL indicating high degree of safety and “MAA+/stable” by ICRA, indicating high credit quality ² Presence is widely spread with more than 494 branches and tie-up with 500 private financiers across the country. ² The Company has more than 16000 employees. ² More than 10,00,000 Truck Financed, with Rs. 36,000 Crores of Assets under Management in March 2011. ² Company's Rs. 6000 Crores Retail Fund based is built up through 75000 agents from 50,00,000 Investors. ² Current Net NPA is as low as 0.38% % as on March 2011.

EQUITY PARTICIPATION. Equity Investments by “Chrys Capital” -“CITICORP” – “AXIS BANK” – “NEWBRIDGE CAPITAL-USA” ² Share currently traded @ about Rs. 600 (Oct 2011), with 52 weeks high low of Rs. 890 - Rs. 530

Private Placement of Bonds in the nature of Secured Redeemable Non-Convertible Debentures (NCDs)

SHRIRAM TRANSPORT FINANCE COMPANY LTD.

Disclaimer - Please Read the Offer Documents Before Investing. Interest rates for Subject to change if any.

INVESTOR

GENERAL

SENIOR CITIZENS

TENURE >

12

24

36

48

60

12

24

36

48

60

Monthly 9.34%

9.80%

10.25%

10.25%

10.25%

9.80%

10.25%

10.71%

10.71%

10.71%

Quarterly 9.41%

9.88%

10.34%

10.34%

10.34%

9.88%

10.34%

10.81%

10.81%

10.81%

Half Yearly

9.52%

10.00%

10.47%

10.47%

10.47%

10.00%

10.47%

10.95%

10.95%

10.95%

Yearly 9.75%

10.25%

10.75%

10.75%

10.75%

10.25% 10.75% 11.25% 11.25% 11.25%

Cumulative 9.75% 10.78% 11.94% 12.60% 13.32% 10.25% 11.32% 12.57% 13.30% 14.08%

Rs. 10000 becomes 10975 12156 13582

RATE OF INTEREST : STRAIGHT BOND

15040 16660 11025 12264 13771 15320 17040

Why to Invest in Shriram Transport Finance Co.? Products financed are Earning assets Low gestation period Cash & carry businessRisk spread throughout the country Asset is secured by Insurance Unique Registration / Identification no. Movable asset hence easy to reposes

²²²²²²²

Why to Invest in Shriram Group? ² Attractive returns on investment with 100% % security

Decentralized Branch Network Regular communication with the investors a about the progress of the Group through quarterly news letter Shriram News Proven Track Record of more than 3 decades Multiple Financial Services under one roof (Financial Supermarket) Wide Spread dedicated Agency Network

²²

²²²

*For Cumulative Option, interest is compounded annually.

Fixed Rates only

15 months 9.55% - 9.75%

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

33 months 9.55% 9.75% 9.75%

Platinum Deposit Plan(Period)

MonthlyIncome Plan

QuarterlyOption

Half-YearlyOption

Annual Income Plan

CumulativeOption*

Additional Rates (p.a.)

Interest

Senior Citizen(60 Year and above)

9.40% 9.45%

9.40% 9.45% 0.25%

Interest rate on Deposit below 1crore.

RATES EFFECTIVE FROM MAY 3, 2012Interest rates on Deposits of Rs. 1 Crore and above would be as per the extant guidelines.

Rate of Interest (p.a.)

D E P O S I T P L A N (15 & 33 months)

9.75% p.a.

For Individuals & Trusts

Mahindra & Financial Services Ltd.MahindraCumulative Scheme Non-Cumulative Scheme

MinimumAmount

Period(Months)

AmountPayable (Rs.)

Interest*p.a.

EffectiveYield p.a.**

Rs. 10,000†12

18

24

36

48

60

10,925

11,510

12,100

13,401

14,508

15,923

9.25%

10.07%

10.50%

11.34%

11.27%

11.85%

9.25%

9.75%

10.00%

10.25%

9.75%

9.75%

Crisil Rating FAAA Indicates Highest Safety

Interest rate/ Credit rating are subject to change and the Interest rate / Credit rating applicable will be the prevailing Interest rate/ Credit rating on the date of Deposit

Please Note : 1) Renewals will be accepted in the Scheme prevailing on date of maturity 2) Only Principal Amount will be renewed in case of renewal

Period(Months)

Interest p.a.* #(Half Yearly)

Interest p.a.* #(Quarterly)

12

24

48, 60

MinimumAmount

9.00%

9.75%

9.50%

8.90%

9.65%

9.40%

Rs. 25,000† Rs. 50,000†

36 10.00% 9.90%

* Senior Citizens / Employees will get an

additional rate of 0.25% per annum

† Additional amount will be accepted in multiples

of Rs. 1,000/

# Interest Payment Half Yearly on 30th September

and 31st March only through ECS/NCES/NEFT.

Interest Payment Quarterly on 30th September

and 31st March only through ECS/NCES/NEFT.

** Compounded Annually

Pg.Inside Pg.

• HDFC Platinum Deposit Plan / Mahindra Financial Services Ltd.

1

Fixed Deposit Schemes - Manufacturing Co. & Finance Co.

/ / Quality

Shriram Transport Finance (NCDs)/ Pan Card Services

•

2

3

/

FMPs / KYC Valuable Services

• Mutual Fund Update

Pg.Inside Pg.

• LIC’s Jeevan Saral / 4

•

Samridhi / HDFC Life Classic Assure Plan 5

•

PPF / Life Insurance Solutions 6

LIC’s Jeevan Anand

HDFC Life Click 2 Protect - Term Plan /

HDFC Life Sampoorn

Post Office Schemes / Capital Gains Tax Exemption Bonds /

For Further details

Cont. 2633 8819 / 2635 0236

Mob. 9820237690

We Provide

PAN CARD Service,

FMPs are back in fashion this SummerThe hardening interest rate scenario and the possibility of a rate hike by RBI have increased the attractiveness of the product.

are closed ended debt oriented mutual fund schemes with a defined maturity period

such as monthly, quarterly, half yearly, annual plans with maturity of more than 1 year , to suit various needs

of investors. FMPs are open for subscription only during specified period at the time of launch of the scheme. In order to Provide liquidity to the investors,

some FMPs offer a repurchase facility so that gives an option of selling back the units of the mutual fund at NAV related price at applicable load .

In short the tenure of FMPs is fixed like Fixed Deposit Schemes. However being Mutual Fund schemes, FMPs are neither capital protected nor offer

assured returns, FMPs generally invest in fixed income instruments, like CBLO, Repo, government securities, money market instruments, corporate

bonds, debentures, other debt securities etc..

Fixed Maturity Plans Fixed Maturity Plans

Fixed Deposit Update

Name of the CompanySr. No.

InterestFrequency

(Interest rate %) (Period in Months)

24

Special Rate

MANUFACTURING COMPANIES w. e. f. May 16. 2012

Share Holder

Minimum

Amount

Cr. Rating

1312Sr. Citizen 36

1. Ceat Ltd. 25000 - 0.25 0.25 9.50 - 10.00 10.50

- - - 9.50 - 10.00 10.50 Cum

9.84 - 10.88 12.16

2. Gabriel India Ltd 10000 9.00 9.50 10.00

4. Godrej Industries Limited 10000 - Nil Nil - 8.50 9.25 Half Yearly

- 9.17 10.53 Yield

5. Jaiprakash Associates Ltd. 20000 Nil Nil 11.75 - 12.25 12.50 Qtrly

12.40 - 13.80 15.07 Cum / Yield

6. Jaypee Infratech Ltd. 20000 - Nil Nil 11.75 - 12.25 12.50 Qtrly

12.40 - 13.80 15.07 Cum / Yield

7. Mahindra & Mahindra Ltd. 25000 - - - 8.50 - - 9.75 Yearly

Half Yearly

Yield

Qtrly / Cum

3. Godrej & Boyce Ltd 15000/40000 10.00 Monthly / Half yearly

7.75

8.02 Cum /

FINANCE COMPANIES w. e. f. May 16. 2012

Individual & Trust 20000 0.25 FAA+ & 9.00 9.25 9.50 - Monthly

- MAA+ 9.25 9.50 9.75 - Qrtly

- - 9.50 9.75 10.00 - Ann

- - 9.50 9.75 10.00 - Cum

2. HDFC Ltd 12-23 24-35 36-59 48-60

For Individual & Trust 40000 0.25 FAAA 8.90 9.05 9.15 8.90 Monthly

Regular Deposits Below 1 Cr. 20000 - MAAA 8.95 9.10 9.20 8.95 Qtrly

- - 9.05 9.20 9.30 9.05 Half yearly

- - Nil 9.40 9.50 9.25 Ann

- - 9.25 9.40 9.50 9.25 Cum

3. Shriram Unnati FD Scheme 12 24 36 48-60

25000 0.25 FAA+& 9.25 9.75 10.75 10.75 Yearly

- - MAA+ 9.05 9.52 10.47 10.47 Half yearly

- - - 8.95 9.41 10.34 10.34 Qtrly

- - - 9.25 10.23 11.94 12.60/13.32 Cum / Yield

Name of the Company Min Amt. Sr. Citizen Int. frequency(Interest rate %) (Period in Months)Cr. RatingSr. No.

Note : Please refer Interest Rates before investing. Interest Rates are Subject to Change, if any

Quality Investments has been the philosophy of GUPTA INVESTMENTS all along This belief in Quality, accompanied by advisory experience and Knowledge of the retail investors, unique needs has made GUPTA INVESTMENTS Mumbai Largest retail Investment advisory house.

Our Straightforward, easy approach to investments, unbiased opinion on products, personalized attention, along with diligent post investment service has earned us the respect of over 10000 families in India, who invest regularly through us.

Quality

Page : 2GUPTA PUBLICATIONJune - 2012

Take the first step now ! Get your KYC (Know Your Client) done ! Visit www. guptainvestments.com,

for KYC Application Form KYC Norms are mandatory for Mutual Fund Investments.

Please email on the following address for advice / query : gagan@guptainvestments.com

There is always a way to grow your moneyKnow Your Customer (KYC)

GUPTA INVESTMENTS is well known for providing valuable Services, satisfying Investors needs, which claimed various recognitation, certificate rewards. Our advisory services are based on understanding of the Financial market we take care throughly understand our Investor profile their investments need and objectives.Business A Life insurance | 9% SCSS (Senior Citizens) | Postal Saving |New Fund Offer.A HDFC Fixed Deposit | HDFC Life | Initial Public Offer * Mutual Funds.A Capital Gains Bonds | 8% GOI Bonds | HDFC ERGO (General Insurances).

Valuable Services

Buy On Line Mutual Fund From Our Website : www.guptainvestments.com

( Int. Only For 3 Years Deposit)Qtrly

Gruh Finance 24-35 36-8412-23 48-601.

Page : 3GUPTA PUBLICATIONJune - 2012

Visit us at : www.guptainvestments.com

Mutual Fund UpdateMutual Fund Update

Scheme Name 1 Month 2 Months 3 Months 1 YearNAV

Liquid Plus Fund6 Months

HDFC Cash Mgmt Fund - Treasury Advantage - Ret - Mthly 0.5496 1.5323 2.1178 3.981 7.6432

Kotak Floater - LT - Mthly Dividend 10.0629 (18/05/2012) 0.6652 1.5247 2.0238 4.0529 8.0376

Reliance Money Manager Fund - Retail - Mthly Dividend 1015.9086 (18/05/12) 0.6302 1.536 2.0873 4.0076 7.7929

Tata Floater Fund - Weekly

Templeton India Ultra Short Bond Fund - Retail - Dividend 10.0106 (18/05/2012) 0.6725 1.5767 2.2034 4.1883 8.077

Index ----- — — — — —

Crisil Liquid Fund Index ----- 0.6784 1.5027 2.2409 4.4443 8.6598

* Less than 1 year Absolute returns,

Dividend 10.0938 (18/05/2012)

Dividend 10.089 (18/05/2012) 0.718 1.5466 2.1462 4.1702 8.1631

MIP

Birla Sun Life Monthly Income - Qtly Dividend

DSP BlackRock MIP Fund - Qtly Dividend

idend

Qtly

----- — — — — —

11.7632(18/05/12) -1.1172 -0.104 -0.4403 3.2974 5.1559

11.9295(18/05/12) -1.4368 0.2491 0.6073 6.8959 9.182

HDFC MIP - LTP Monthly Div 12.9595(18/05/12) -2.009 -0.7161 -1.3732 4.1432 3.4257

Reliance MIP - Dividend 11.4278(18/05/12) -1.5456 -0.4785 -0.211 7.0837 5.7031

Index

Crisil MIP Blended Index ----- -0.891 -0.0425 -0.4538 4.2161 5.7773

* Less than 1 year Absolute returns

Scheme Name 1 Month 2 Months 3 Months 1 YearNAV 6 Months

Scheme Name 1 Month 2 Months 3 Months 1 YearNAV

Bond Fund6 Months

Birla Sun Life Dynamic Bond Fund -

Ret - Growth 0.5539 1.8996 2.2152 5.4152 10.4128

Kotak Bond Deposit - Growth 28.816 0.1233 1.9918 2.0097 8.4193 11.7818

SBI Dynamic Bond Fund - Growth

UTI Bond Fund - Growth 31.8576 0.4661 1.9356 2.972 6.0718 11.624

Index ----- — — — — —

Crisil Composite Bond Fund Index ----- 0.4766 1.4994 1.7955 4.9577 8.5355

* Less than 1 year Absolute returns,

18.2265 (18/05/2012)

(18/05/2012)

13.3551 (18/05/2012) 0.4369 1.8439 1.996 6.8682 12.3949

(18/05/2012)

Disclaimer : Mutual Fund Investments are subject to Market risk. Please read the offer document carefully before investing.

“RETURNS OF YOUR INVESTMENT IS MORE IMPORTANT THAN RETURN ON YOUR INVESTMENT.”

We Appreciate that this shall be useful to us and look forward to all your views to us

Please write to us at gagan@guptainvestments.com & Moreover please visit our Website : www.guptainvestments.com

Investor should consider components of Investing :Safety, Liquidlity, Return, Tax, Inflation, Capital Appreciation, Fundamental.

Dear Investor,At the outset on behalf of everyone at M/s Gupta Investments, we wish our Investor a very warm welcome to be associated with us and we

always remain committed to our services & quality. The question to everyone’s mind is, what holds 2012 for the market

SIP – is the Best Option available to invest in Volatile Equity Market. The Entire Concept of SIP works because market go up & down. Therefore

never STOP SIP even in falling market, as you will accumulate more units & returns would be higher in the long run . SIP's benefits investor due to

(1) RUPEE COST AVERAGING (2) POWER OF COMPOUNDING . No need to time the market. Regular & disciplined approach.

EQUITY MF – Over a Long Term Horizon 5 years + Equity Investments have given returns for better than any other asset class. Therefore in our

asset allocation some part must be allocated to Equity. If one put money in Bank/Co's FD's than @ 9.50% - 10% and Inflation rate

@ 8% app. and that to be taxable, then we loose money. When Equity Market is down, that is the appropriate time to invest at every Fall/Dip in

the market. So once market is up will give a good returns. Every one has a question/curiosity that!

What is the Best Investments ? According to the experts there is no such things as a Best Investments either today or tomorrow. From a

individual prospect the Best Investment is that which is within your comfort level of risk & caters to the Liquidity. A good investment means

which yields a decent returns, Post Tax & Post Inflation.

?

Email Your Queries at : gagan@guptainvestments.com

Please Note : As per the 2012-13It is proposed to amend the provisions to provide that the deduction for life insurance premium as regards insurance policies issued on or

stafter 1 April, 2012 shall be allowed for only so much of the premium payable as does not exceed 10% of the actual capital sum assured.

Union Budget

Monthly Saving - Scheme Age : 30 Years Year - Wise Maturity Chart

• Benefits : - Death Benefit -250 times of the monthly Basic Premium Plus Return of Premium Paid Plus Loyalty Addition (if any)• Accident Death Benefit : - 500 times plus refunds of premium + Loyalty Addition (if any)• NOTE : The figures in columns above are non guaranteed. They are estimated on the assumption of LIC's projected investment rate of

return @ 10% respectively on the investible portion of the premium.• Disclaimer :- The above statement is based on certain assumptions which are liable to change according to Government

/Corporation's policies. - Insurance is a matter of solicitation

Premium Mode Monthly Monthly Monthly Monthly Monthly Monthly Monthly

Premium Rs. 250 Rs. 400 Rs. 500 Rs. 1,000 Rs. 2,000 Rs. 5,000 Rs. 10,000

Risk Cover 62,500 1,00,000 1,25,000 2,50,000 5,00,000 12,50,000 25,00,000

Term Year Wise Return10 53227 85162 106452 212904 425808 1064520 2129040

11 62526 100041 125051 250101 500203 1250505 2501010

12 72683 116293 145366 290733 581465 1453665 2907330

13 84085 134536 168170 336340 672680 1681700 3363400

14 96820 154912 193640 387280 774560 1936400 3872800

15 111099 177759 222198 444397 888794 2221985 4443970

16 125842 201347 251683 503366 1006733 2516830 5033660

17 141986 227176 283970 567940 1135880 2839700 5679400

18 159705 255528 319410 638819 1277638 3194095 6388190

19 179095 286552 358190 716380 1432760 3581900 7163800

20 200370 320592 400740 801480 1602960 4007400 8014800

21 223646 357833 447291 894583 1789166 4472915 8945830

22 249179 398687 498358 996716 1993433 4983580 9967160

23 277110 443375 554219 1108438 2216876 5542190 11084380

24 307749 492398 615497 1230995 2461989 6154975 12309950

25 341275 546040 682551 1365101 2730202 6825505 13651010

26 378058 604892 756115 1512229 3024459 7561145 15122290

27 418315 669304 836630 1673259 3345518 2366295 16732590

28 462488 739980 924976 1849951 3699902 9249755 18499510

29 510947 817515 1021894 2043788 4087577 10218940 20437880

30 564128 902604 1128256 2256511 4513022 11282555 22565110

LIC’s Jeevan Saral is a “UNIQUE” plan which provides

Page : 4GUPTA PUBLICATIONJune - 2012

Jeevan AnandLIC’s Risk Coverage

Even After Maturity

Additional Sum Assured on Death due to Accident

Participating SavingsInsurance Plan

Full Payout at Maturity

The top selling plan of LIC across India

Jeevan Saral...“ All in one solution”...... is a

• It is made of best of Traditional & ULIP plans.• Money Back Plan - Decide your own term & SB• A regular income plan!• A Pension Plan!• A term assurance plan with maturity benefits! & Many More !•

• Higher Cover Liquidity• A Return • A Lot of flexibility

•

LIC’s Jeevan Saral (T-165)

Buy On Line Mutual Fund From Our Website : www.guptainvestments.com

Please Note : As per the 2012-13It is proposed to amend the provisions to provide that the deduction for life insurance premium as regards insurance policies issued on or

stafter 1 April, 2012 shall be allowed for only so much of the premium payable as does not exceed 10% of the actual capital sum assured.

Union Budget

HDFC Life Sampoorn Samridhi Insurance Plan

A Profit Plan with Whole Life Optionas per the ‘Most Trusted Brand’ Survey 2010 conducted by Economic Times - Brand Equity.

‘India’s Most Trusted Private Life Insurance

Brand’

Key Features Of This Plan

PARTICIPATES IN PROFITS• Minimum Reversionary Bonus is guaranteed to be at lest equal to

3% p.a. for all bonuses declared till 31st March 2021

SAVE REGULARLY• Save to build wealth

• Save by choosing your regular premiums and frequency of payment

INSURANCE COVER• On untortunate death, nominee will get the Sum Assured +

Attached Bonuses.• Double Sum Assured Accidental Death

FLEXIBILITY TO DECIDE PAYOUT• Choice of Maturity Benefits

• Enhanced Cover Option (Life Cover Till 99 yrs) or Enhanced Cash Option (Enhanced Terminal bonus)

Death benfit

Save Regularly

Flexibility to decide payout

Participates in profits

+

+

Benefits of HDFC Life Classic Assure Plan

Key Features of this Plan

CLICK 2 PROTECT

is one of the mostcost efficientonline term plans*

HDFC LIFE CLICK 2 PROTECT

Get Tax Benefits

Premiums paid get tax benefit under section 80C

Benefit from the plan is tax free U/S 10 (10D) The above

mentioned tax benefits are subject to tax laws.

Key Features On unfortunate death, the sum Assured is payable

Flexibility to choose the Sum Assured and Policy Term

• HDFC Life Click 2 Protect is rated as “Superior” (Five Star)by ET Wealth on price & overall product rating.

• It is one of the Cheapest online term plan for 25 yrs to 40 yrs young (non smoker) **As per ET Wealth dated 26th Dec 2011 for detais refer to the newspaper page no. 34

Age (Yrs) HDFC LIFEClick 2 Protect

Age (Yrs) HDFC LIFEClick 2 Protect

30 9,700 25 8,60035 12,600 30 10,60040 18,500 35 14,400

Younger you are, lesser you pay ! See how less you have to pay * for life cover of Rs. 1 Cr

Policy Term of 25 YearsPolicy Term of 30 Years

*Indicative premiums for healthy non tobacco user. The premiums are exclusive service tax.

Attractive Premium Rates For Non Tobacco Users

For those with healthier lifestyle

• Insure yourself

• Secure your Home Loan, Child's Future Needs, Parent's Future Well Being and Spouse's Financial FutureWhen you are young and just starting your career-online term plan is a cost effective way to cover your life and loan liabilities. Buy this plan in just 4 steps and secure your family's future. This plan is ideal for 25 yrs to 40 yrs old as you get more cover for nominal price.

BUYING HDFC LIFE CLICK 2 PROTECT IS IDEAL WAY TO

Page : 5GUPTA PUBLICATIONJune - 2012

21 3 4Death Benefit

• Financial protection to

loved ones

• Benefit of Sum Assured +

Bonuses

Benefit of limited pay term

• Pay only for 7 years

• Enjoy the insurance cover

throughout the policy term

of 10 years

• Choice of frequency options

• Upto ` 10 Lakh Cover without medical (SMQ)

• Age between 18 years to 50 years

• Fulfilment of the SMQ eligibility conditions

Simplified Issuance

• Assurance of bonuses

• Reversionary (RB), interim

(IB) & terminalbonus (TB) if any,

is guaranteed to be paidonce

added to the policy

Participates in profits

Sar Utha Ke Jiyo !

Your Personal Investments & Insurance AdvisorOffice No. 22 R.N.A Shopping Arcade,

1st Floor, Lokhandwala Complex,

Andheri (W), Mumbai - 400 053.

, G

91-22-2639 5714

(M) 98202 37690

91-22-2633 8819 / 2635 0236

G

Fax : 91-22-2632 5363

E-mail : gagan@guptainvestments.com

Website : www.guptainvestments.com

“Quality Investment under one roof ”

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

Mumbai-400 069. & Published at Office no 22, 1st Floor, R. N. A. Arcade,

Lokhandwala Complex, Andheri (W) Mumbai 400 053.

Life Insurance Solutions

it

to

investing

PUBLIC PROVIDENT FUND (PPF) REVISED RATE OF INTEREST W.E.F. 1/04/2012.Investment - From Min. Rs. 1000/- to Max. Rs. 100000/- even in Maximum 12 Instalments Every Year.

Interest - 8.80% p.a compounded every year, period 15 years • Tax Benefits - Eligible for Tax Rebate U/S 80C No Income Tax, Wealth Tax

Note : - Subject to Changes if any from Government of India Ministry of Communications Department of Posts

U/S - 54EC - CAPITAL GAINS TAX EXEMPTION BONDSISSUE HIGHLIGHTS NATIONAL HIGHWAY AUTHORITY OF INDIA RURAL ELECTRIFICATION CORPORATION LTD

Credit Rating 'AAA/Stable by CRISIL and 'AAA (ind)) (Affirmed)' by FITCH 'AAA/Stable by CRISIL/"LAAA" by ICRA/"CARE AAA" by CARE 'AAA(ind) by FITCH Ratings

Face Value Rs. 10,000/- per Bond Rs.10,000/- per bond

Issue Price Rs. 10,000/- per Bond Rs.10,000/- per bond

Min. Appl. Size One Bond of Rs. 10,000/- each & in multiple of One Bond of Rs. 10,000/- each and in multiple of One Bond thereafter One Bond thereafter

Max. Appl.Size 500 Bonds of Rs. 10000/- Each. (However, the aggregating 500 Bonds of Rs. 10,000/- Each. (However, the aggregating investment made/being made by applicants in the 54 EC investment made/being made by applicants in the 54 EC Capital Gains Tax Exemption Bond issue of REC and Capital Gains Tax Exemption Bond issue of REC and NHAI during the FY 2012-13 should not exceed Rs. 50 lakhs) NHAI during the FY 2012-13 should not exceed Rs. 50 lakhs)

Cheque to be Drawn in the name of "National Highway Authority of India" "Rural Electrification Corporation Ltd. - 54 EC BONDS"

Deemed Date of Allotment Last day of each month for application money cleared Last day of each month in which subscription money isand credited in NHAI's collection account. received and credited to REC account

Tenor 3 years 3 years

Redemption / Maturity Bullet at the time of Maturity after 3 years At par, at the end of 3 years from the deemed date of allotment

Interest Payment Annual Annual

Date of Interest Payment 31st March 30th June

Coupon Rate w.e.f. 1/11/08 6 % payable annually 6 % payable annually

Page : 6GUPTA PUBLICATIONJune - 2012

Note : Subject to changes if any from Government of India Ministry of Communications & IT Department of Posts

POST OFFICE SCHEMES Increased Revised Rate of Interest w.e.f 01/04/2012)Invest Today in Solid, Safe & Secure Safe Money Sound Returns

FeatureSr. No. rate (%) (years) Investment (Rs.) Investments on Interest

1 P O Monthly Income Scheme 8.50% 5 Years 9 Lakh None Fully Taxable No Bonus on Maturity

2 National Saving Certificate 8.60% 5 Years No Limit Sec 80C Fully Taxable Invest Rs. 100 and get Rs. 150 on Maturity

3 National Saving Certificate 8.90% 10 Years No Limit None Fully Taxable (Premature withdrawal after 3 years)

Invest Rs. 100 and get Rs. 234.35 on Maturity

4 Post Office Time Deposit 8.20% 1 Year No Limit None Fully Taxable

5 Post Office Time Deposit 8.30% 2 Years No Limit None Fully Taxable

6 Post Office Time Deposit 8.40% 3 Years No Limit None Fully Taxable

7 Post Office Time Deposit 8.50% 5 Years No Limit None Fully Taxable

8 Recurring Deposit (RD) 8.40% 5 Years No Limit None Fully Taxable

Schemes Interest Term Max. Exemption on Taxability

¤ Term Assurance from LIC with return of

Premium after 6 years + Life long risk cover

along with Loan Facility.

¤ Invest Rs. 5000/- p.m. and get Rs. 1 Crore

12 Lacs from LIC with risk cover of Rs.

12,50,000/- No market Risk.

¤ Invest Rs. 10000/- p.m. and get Rs. 2

Crore 25 Lacs from LIC with risk cover of Rs.

25 Lacs. No market Risk.