INVESTOR Volume 1, Issue 5, Mumbai, October 2012 Publication Price `3 Pages - 4 IIFL Investor RNI No.: MAHENG/2O12/44126 Insurance, Fixed Deposit & Mutual Fund Recommendations Know more about Demat Accounts Common Health Insurance mistakes A few out of our 1500+ Touch Points Page 2 Page 3 Page 3 Page 4 Rajiv Gandhi Equity Savings Scheme This Scheme would give tax benefits to new investors who invest up to `50,000 and whose annual income is below `10 lakh. F inance Minister P. Chidambaram has approved a new tax saving scheme called Rajiv Gandhi Equity Saving Scheme (RGESS), exclusively for the first time retail investors in securities market. This Scheme would give tax benefits to new investors who invest up to `50,000 and whose annual income is below `10 lakh. The Scheme not only encourages the flow of savings and improves the depth of domestic capital markets, but also aims to promote an ‘equity culture’ in India. This is also expected to widen the retail investor base in the Indian securities markets. Salient features of the Scheme: Scheme is open to new retail investors, identified on the basis of their PAN numbers. This includes those who have opened the Demat account but have not made any transaction in equity and /or in derivatives till the date of notification of this Scheme and all those account holders other than the first account holder who wish to open a fresh account. Investors whose annual taxable income = `10 lakh are eligible under the Scheme. The maximum Investment permissible under the Scheme is `50,000 and the investor would get a 50% deduction of the amount invested from the taxable income for that year. Under the Scheme, those stocks listed under the BSE 100 or CNX 100, or those of public sector undertakings which are Navratnas, Maharatnas and Miniratnas would be eligible. Follow-on Public Offers (FPOs) of the above companies would also be eligible under the Scheme. IPOs of PSUs, which are getting listed in the relevant financial year and whose annual turnover is not less than `4000 cr for each of the immediate past three years, would also be eligible. In addition, considering the requests from various stakeholders, Exchange Traded Funds (ETFs) and Mutual Funds (MFs) that have RGESS eligible securities as their underlying and are listed and traded in the stock exchanges and settled through a depository mechanism have also been brought under RGESS. To benefit the small investors, the investments are allowed to be made in instalments in the year in which tax claims are made. The total lock-in period for investments under the Scheme would be three years including an initial blanket lock-in period of one year, commencing from the date of last purchase of securities under RGESS. After the first year, investors would be allowed to trade in the securities in furtherance of the goal of promoting an equity culture and as a provision to protect them from adverse market movements or stock specific risks as well as to give them avenues to realize profits. Investors would, however, be required to maintain their level of investment during these two years at the amount for which they have claimed income tax benefit or at the value of the portfolio before initiating a sale transaction, whichever is less, for at least 270 days in a year. The calculation of 270 days includes those days pursuant to the day on which the market value of the residual shares /units has automatically touched the stipulated value after the date of debit. The general principle under which trading is allowed is that whatever is the value of stocks / units sold by the investor from the RGESS portfolio, RGESS compliant securities of at least the same value are credited back into the account subsequently. However, the investor is allowed to take benefits of the appreciation of his RGESS portfolio, provided its value, as on the previous day of trading, remains above the investment for which they have claimed income tax benefit. For the purpose of valuation of shares, the closing price as on the previous day of the date of trading will be considered so that new investors are certain about their debits and credits into the account. In case the investor fails to meet the conditions stipulated, the tax benefit will be withdrawn. This Scheme would give tax benefits to new investors who invest up to `50,000 and whose annual income is below `10 lakh. Dematerialise your MF, NCD units today N SDL has enabled holding of mutual fund units [represented by Statement of Account] in dematerialised form for its demat account holders. You can use your existing demat accounts for converting your mutual fund units in dematerialised form. Procedure for conversion of Mutual Fund Units into dematerialised form through your Depository Participant (DP) NSDL • Obtain Conversion Request Form (CRF) from your DP. • Fill-up the CRF. • Submit the CRF alongwith the Statement of Account to your DP. • After due verification, the DP would send the CRF and Statement of Account to the Asset Management Company (AMC) / Registrar and Transfer Agent (RTA). • The AMC / RTA after due verification will confirm the conversion request executed by DP and the mutual fund units will be credit in your demat account. CDSL • Acquire a Mutual Fund Destatementisation Request Form (MF-DRF) from your DP. • Submit the duly filled MF-DRF along with the statement of account/s to the DP • The DP shall capture the details in the CDSL system and forward the original MF-DRF and the SoA to the Registrar and Transfer Agent (RTA) along with a system-generated covering letter. • The RTA will after due verification confirm the conversion request setup by your DP and credit the mutual fund units in your demat account. How to open a DEMAT Account? Following is the procedure for opening a Demat Account: 1. Fill account opening form available with your Depository Participant (DP) - IIFL 2. Give your DP the duly filled account opening form with proof of identity and proof of address documents as may be required. 3. Sign agreement with DP (agreement will state rights & obligations of both parties). The agreement will contain the fee structure of your DP. A copy of this signed agreement would be given to you for your record. 4. DP would give you "Client ID" no. (account no.) once your Demat Account is opened. This 'Client ID' number along with your 'DP ID' number forms a unique combination. Both these numbers should be quoted in all your future dealings with DP/NSDL/ Issuing company/their registrar & transfer (R&T) agent. 5. Your DP would give you instruction slips for depository services viz., dematerialisation, delivery instruction for trades, etc. These instruction slips will bear preprinted serial numbers and your Client-ID pre-stamped. Preserve these carefully. 6. Your DP would give you a list of deadlines for giving instructions for various depository activities viz., transfer for effecting sale, purchase, etc. If not, check with the DP. To open your DEMAT Account with IIFL SMS INV to 56767 NATIONAL PENSION SCHEME A secure Retirement Plan from Government of India NPS CORPORATE MODEL • Open to any citizen of India above age18 yrs • Minimum investment - `6000 per year • Lowest cost product around the world • Corporates can provide to employees as retirement plan • Tax Benefit on Investment (up to 10% of Basic salary+D.A*) • Save Income Tax over & above 80CC NPS is regulated by PFRDA & Govt of India *Income tax benefit U/s 80CCD2, 80CCE For more information Call: 022-4060 9253 Visit: www.iiflfinance.com Email: [email protected] IIFL Investor - Page 1 INVESTOR October 2012 IIFL Investor RNI No.: MAHENG/2O12/44126 Insurance Recommendations FD Recommendations ICICI Prudential (Retirement Income Solution) Pay `1 lakh p.a. for 7 years and you can get `1 lakh p.a. for life* DHFL - Ashray Deposit (400 Days) - CARE (AA+) & BWR (FAAA) A comfortable retirement life is one of your most important goals. Ordinary savings can wither away so you need a retirement solution which will help you build a retirement corpus, help you and your spouse to get a regular income and to leave a legacy for your children. Keeping this in mind, we have designed ICICI Prudential Retirement Income Solution. Minimum Amount: `10000 & in multiple of `1000 thereafter. This solution is a combination of ICICI Pru Guaranteed Savings Insurance Plan (a non linked insurance plan) and ICICI Pru Immediate Annuity plan (a non linked insurance plan).ICICI Prudential Retirement Income Solution offers the following benefits: Savings: Build a desired corpus for your retirement Income: Avail the option to enjoy regular income for you and your spouse for whole of life Legacy: Leave a lump sum for your child Life Cover: Death benefit to protect your family's future Remarks: 0.50% extra for Privilege Depositors (Sr. Citizens above 60 yrs, DHFL Shareholders, DHFL H.L Customers, Armed forces Personnel & Widows), 0.25% extra on single application deposit 25 Lacs and above. Interest Compounded Half Yearly. Interest Rates (%) Highlights: • Safe, Secure Earnings for Short term investment • Liquid investment • Prompt / Timely ECS payment facility for Interest payments Illustration Unitech Limited Mr. Akash is 40 years old and wants to plan for his retirement. Let us see how this solution will help him. ICICI Prudential Retirement Income Solution works in two phases. Minimum Amount: `25000 & in multiple of `1000 thereafter. Investment Phase : In this phase, Mr. Akash will purchase an ICICI Pru Guaranteed Savings Insurance Plan. Highlights: Premiums payable Year 1 to 7 • Fastest Growing in its segment with over 100,000 investors `1,00,000 p.a. Pay premium of `1,00,000 p.a. for 7 years • Current Mobilization of approx. `600 Cr `14,72,466 @ 8% ARR* `11,77,101 @ 6% ARR* 47 40 • Tie-up with most Credible National Distributors' - PAN India. 55 1 Maturity benefit to be paid after 15 years Income Phase: In this phase, Mr. Akash has the option to use the maturity payout of ICICI Pru Guaranteed Savings Insurance Plan to purchase ICICI Pru Immediate Annuity with "Joint Life, Last Survivor with Return of Premium" annuity option. Benefits Assumed Maturity benefit of ICICI Pru Guaranteed Savings Insurance Annual income2 Lump sum payout to nominee on rate of return Plan to be used to purchase ICICI Pru Immediate Annuity from year 16 death of the last surviving partner ` 1,09,047 ` 14,72,466 8% ` 14,72,466 6% ` 11,77,101 ` 87,173 ` 11,77,101 Income of `1,09,047 p.a. for you and spouse Income of `1,09,047 p.a. will continue for your spouse Nominee gets lump sum of `14,72,466 55 Lump sum premium of `14,72,466 Remarks: In Cumulative option, interest compounded monthly on deposits of one year or more and payable on maturity. Death of policyholder Death of spouse *ARR stands for assumed rate of return. For the purpose of illustrations, the Company has assumed 6% and 8% as the rates of investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you might get back, as the value of my policy depends on a number of factors including future investment performance. BILCARE Limited (Bilcare Research) Minimum Amount: `20000 and in multiples of `1000 thereafter. Remarks: 0.25% extra for Sr. citizen above 60 years; Shareholders & Employees of the Company.Interest will be paid quarterly and in Cumulative Scheme – Interest will be compounded quarterly and paid on maturity. Post dated interest warrants will be issued in advance for each financial year Highlights: • Worlds largest paharmaceutical packaging company , Makers of Bilcare . Indias leading barrier film brand for packaging requirements of the Pharmaceutical industry. The customer list includes Niovartis , GSK , Wyeth , Pfizer, Aventis, Ranbaxy, Cipla , Johnson, Dr. Reddy's, Merck and number of other leading players in the industry • Presence in more than 20 countries in the world and still growing. Focus on Research & Technology Interest Rates (%) FD Company Name 6M 1 YR 2YR 3 YR 4 YR 5YR 1 If the policy offers guaranteed returns, then these will be clearly marked "guaranteed" in the Benefit Illustration. Since the policy offers variable returns, the given illustration shows two different rates of assumed future investment returns. The returns shown above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of your policy depends on a number of factors including future investment performance. Ashray Deposit (400 Days) 400 Days Cumulative 10.75 Unitech Limited 11.5 11.5 12 12.5 - - Bilcare Limited - 11.00 11.50 12.00 - - 2 The annuity amount is calculated as per the annuity rate applicable as on 30/06/2012. The annuity amounts aie calculated assuming the current age of Akash and his spouse to be 40 years and 35 years. Annuity rates are not guaranteed and he nee subject to change from time to time. The actual annuity amount will depend on the prevailing annuity rates at the time of purchase of ICICI Pru Immediate Annuity Plan. Mutual Funds Top Five Recommendations Franklin India Bluechip (NAV 223.0) The fund has consistently outperformed its benchmark (BSE Sensex) and the peer group average in the last 5 years. It has about 99% of its holding in large caps and has one of the lowest expense ratios (1.81) in its category. This fund is particularly suitable to investors who wish to take limited risk and generate modest returns. ICICI Pru Dynamic (NAV 111.8) This fund aims at providing capital appreciation through investment in equity and related instruments and for defensive consideration in debt/money market instruments and derivatives. It has consistently outperformed its benchmark (S&P CNX Nifty) and its peer group average since inception. The fund has given the returns of 27.6% CAGR since inception which is the highest in its category. UTI Opportunities (NAV 30.3) In the last 3 years, this fund has emerged as one of the top 5 funds in its category. The fund has consistently IIFL Investor - Page 2 outperformed its benchmark and peer group average since inception. In the last three years, it has given annualized returns of 10.6% as compared to its benchmark returns of 3.6% for the same time period. HDFC Mid-cap Opportunities (NAV 17.3) The scheme has been ranked 1 in Small & Mid-cap category by CRISIL. With CNX Midcap as its benchmark, the fund has been an outperformer since inception. For the last 3 years, it has given annualised returns of 17% vs. its benchmark returns of 5.2% for the same time period. IDFC Sterling Equity (NAV 20.0) This fund aims at capital appreciation by investing predominantly in the small & Mid-cap equity segment. In the last 6 months, it has given absolute returns of 10.9% vs. its benchmark returns of -0.1% for the same time period. Even in the 3 year time frame, the fund has been a significant outperformer with returns of 14.9% CAGR as compared to its benchmark returns of 5.2% CAGR over the same time period. Source: ACE MF NAVs & Returns are as on September 24th, 2012 Invest in Mutual Funds through IIFL Just give us a missed call on 080 300 88 501 Mutual Fund Investments are subject to market risks, read all scheme related documents carefully. INVESTOR October 2012 IIFL Investor RNI No.: MAHENG/2O12/44126 Know more about Demat accounts O ver the last 20 years, India has seen boom in capital market. There has been tremendous increase in the number of companies and number of shares issued by these companies. Also, many citizens are participating in the share market. Earlier, when companies sold their shares to public, share certificates were issued to investors in paper format and the owner of the shares had to physically hold the certificates. Companies were spending lots of money on paper and printing of shares and postage for delivering the shares to investors. When shares were transferred from one person to another, endorsement relating to change on ownership was required to be done on the share certificate. This needed lots of paper work, movement of share certificates, cost of postage, chance of human error in recording transfers and considerable time taken to complete the transaction. Several shares were lost in transit and many share certificates got mutilated in handling. Share owners and companies had to follow a long cumbersome and costly process to get duplicate share certificates. To overcome this problem and also to save the use of paper, India decided to adopt book keeping of shares and securities in electronic format and converting physical record of investors into electronic record. The process is called dematerialising of securities. Investors were required to open a demat account to convert paper shares into shares in electronic format. A demat account can be opened with share brokers, (depository participant) investment advisors and banks authorised by depositories. A demat account is like a bank account. In a bank account, we deposit and withdraw money. In demat account we buy and sale shares. A demat account is linked with a bank account nominated by the investor and financial transactions relating to sale and purchase of securities pass through the bank account. For opening a demat account, PAN and address proof is required to given. Once the account is opened, the investor gets internet password and transaction password. Changing physical records to electronic records When demat was introduced, an investor intending to change over from physical to electronic format of share holding had to open a demat account, submit demat request form (DRF) along with original paper share certificates. After verification, paper certificates were retired from circulation and details and value of certificates were entered in his demat account. Advantages of demat Change over from physical to electronic format of share holding has several advantages. • Transfer of shares in electronic format does not require payment of stamp duty which the buyer had to pay for transfer of shares in physical format. • Transfers are fast and accurate. • The investor has not to hold physical possession and record of shareholding. He can get all the information with few clicks on his computer. • Hassles of issuing duplicate shares are gone forever. • When the change of address is entered in demat account, it automatically gets updated with all companies whose shares are recorded in demat account. • Investor gets regular statement of demat account. He can anytime log on to his account with depository. The author GR Thengdi has worked in the field of financial management for over 50 years. Common Health Insurance mistakes W hen you are buying a health insurance policy, evaluate what you need and how much risk you can afford to take so that you will not be over/under insured Health insurance protects you and your loved ones from suffering any financial disasters caused by high medical expenses. Paying your hard earned money for either short or an extended hospital stay may be very expensive. Typically health insurance allows you to receive the necessary health care if you or your loved ones fall ill or are injured. Health insurance eliminates the financial risk of making large payments to health care providers for injury or illness. When you are buying a health insurance policy, evaluate what you need and how much risk you can afford to take so that you will not be over/under insured. Do a better research regarding features, premium and coverage of the product as well as the insurer’s service quality before buying any plan. Here are some common mistakes you must avoid when buying a health insurance policy. Hiding health related information Sometimes customers believe that falsifying the information in proposal form will not be discovered in future. Mis-representation of facts usually done by people when they have pre-existing conditions and they think this will lead to a higher premium or prevent them from getting the insurance cover. However, insurance companies check medical records thoroughly and if they miss it, a doctor may be able to find out that the condition existed before obtaining insurance. If this is the case, insurance premiums will go up and people may lose their coverage. Your medical provider is not in the network hospital list Cashless hospitalisation is a facility in which a person can get the required treatment while the medical expenses are settled by the insurance company directly with the hospital if the hospital comes under its network lists. Most important thing is you need to check whether your medical provider comes under the hospital networks list or not, so that you don’t have to pay more towards healthcare expenditure. Therefore, it is important to compare the availability of associated networks of hospitals of each insurer when comparing products to meet your needs. Giving more premiums to save co-pay Co-payment is the amount of hospitalisation expenses the policyholder has to give from his/her pocket during the treatment before availing the insurance benefit from the insurer. Some products have flat co-pay structure where as some comes with co-pay after certain age and some of the products available with co-payment in different treatment zone and non network hospitals. Sometimes for getting low co-pay we ignore the extra premium we pay for the health insurance. So it is wiser to evaluate the need of extra premium cost for the copay and buy the suitable health insurance plan. Being over insured Getting too much coverage and riders is another mistake people make. In many cases, getting adequate coverage does not mean going overboard and being too cautious. It means getting just enough coverage to keep themselves and their family healthy. So it is important to take adequate health coverage. High deductible health insurance High deductible health insurance is a kind of health insurance where the insured pays high deductible amounts before the insurer offers its share of coverage. This deductible forces the policyholder to pay first portion of a medical expenses before the insurer pays. Sometimes low premiums attract customers to buy high deductible health insurance plans, but the most important fact is that you need to make sure that you are prepared to pay your portion of medical expenses. It is necessary to check the maximum out of pocket health expenses you can afford and then buy the health insurance policy, otherwise you will end up in not paying your portion of health care cost before getting any health insurance benefit. Not reviewing current health insurance policy Failing to review the current health insurance policy could also be costly when getting insurance coverage. A thorough review of a current policy will inform customers what they need in the new policy. Otherwise, they could be getting too much coverage or not adequate and still pay high premiums for it. Article published on www.flame.org.in and contributed by www.i-save.com For a wide choice of Investments Just give us a missed call on 080 300 88 501 Start investing now and secure a bright future for your family. Choose IIFL as your partner for investing in Equities Commodities Mutual Funds Bonds Fixed Deposits Life Insurance Just give us a missed call on 080 300 88 501 IIFL Investor - Page 3 INVESTOR October 2012 Posted at Patrika Channel Sorting Office, Mumbai 400001, on the 1st & 2nd of Every Month Published on the 1st of Every Month Postal Registration No.: MH/MR/WEST/300/2012-2014 Our Touch-points Central Zone Chattisgarh Bhilai Bilaspur Durg Raigarh Raipur Gujarat Ahemdabad Anand Ankleshwar Bardoli Baroda Bharuch Bhavnagar Bhuj Bilimora Dadra & Nagar Haveli Daman Gandhinagar Godhara Jamnagar Junagadh Kalol Kutch Mehsana Palanpur Patan Porbandar Rajkot Rajkot Silvassa Surat Tarapur Valsad Vapi Wankaner Khambhat Mundra Nadiad Navsari surendranagar Veraval Ahmedabad Ahmedabad Ahmedabad Ahmedabad Ahmedabad Madhya Pradesh Bhopal Biaora Dewas Durg Gwalior Hoshangabad Indore Itarsi Jabalpur Khandwa Manideep Ratlam Rewa Sagar Ujjain Indore Indore Indore Indore East Zone Assam Guwahati Silchar Siliguri Tinsukia Bihar Aarah Patna Jharkhand Jamshedpur Ranchi Orissa Balasore Berhampur Bhadrak Bhubaneswar Cuttack Jajpur Khurda Puri Sambalpur Tripura Agartala Nehru Chowk Telephone Exchange Rd Station Road Jagatpur Sarkanda 0788-4010726 07752-410213 9827890806 07762-232023 07752-401266 Bapunagar Amul Dairy Road Narmada Arcade Hotel Naaz Savoy Rugta School Waghwadi Road Hospital Road Gohar Baug Pitru Smruti 079-40401503 9228004174 9228004017 9228004103 9228088200 9228011047 0278-3003156 02832-220041 9228014689 9228015816 West Bengal Berhampore Burdwan Coochbehar Hooghly Howrah Jalpaiguri Kharagpur Kolkatta Krishnanagar Midnapur Nadia Silchar Hoogly Howrah Kolkatta Kolkatta Kolkatta 9228032920 9228011034 9228014688 0288-3921273 0285-3021535 9228013257 02836-229015 9228032911 9228004070 9228004094 0286-2210119 0281-2304075 0281-3051381 9228032922 02629-232066 9228014690 9228032904 9228011040 02828-220066 9228014653 02838-222414 9228014670 9228014532 02752-231003 9228004085 9228014506 079-22172015 9228014692 079-40098462 079-25325058 Dispur Rangirkhari Siliguri Lohia Road 0361-2224400 03842-220307 0353-2640294 0374-2340322 Hospital Road Ashiana Chambers 6182-243070 06122500961 Gaurav Road Modi Height 0657-2290045 0651-2280890 Police Line Square Sana Bazar Salandi Byepass Ashok Nagar Bajrakabati Road Chorda Market Jatni Vip Road Budha Raja 06782-264865 0680-2250551 06784-241039 0674-6502550 0671-2312333 06726-221489 0674-2490570 0675-220755 0663-6990997 RMS Chowmuhani 0381-2380174 0348-2258005 0341-2300051 03582-226440 033-7278030561 033-44028205 03561-222585 03222-242169 03216-231089 03472-223261 3228252191 03472-279031 9207048876 033-26630177 033-26752136 033-24809867 033-25113412 033-25916009 Agra By Pass Road Jawahar Colony Nehru Nagar Badshahpur Bali Nagar Karol Bagh Khanpur Mayur Vihar Phase III. Parmanand Colony Shahdara Tilak Nagar Preet Vihar Paharganj Rohini 0462-2540150 0129-2470124 0120-2700209 0124-2269023 011-45452397 011-25754693 011-29967960 011-22612094 011-27605476 011-22385498 011-41612417 011-43602385 011-23589416 011-27044003 Jain Nagar G T Road Hisar Ambala Road Bsnl Road Kurukshetra 17 Kanal nissing main Rd G T Road Jhajjar Road 0171-2551477 01667-220282 01662-245100 01746-234540 0184-2294441 01744-290331 01745-270500 0180-2644008 01262-245003 Ranjeet Avenue College Road Chandigarh Sec 37 Bassi sirhind Road Golden Tower Garhshankar Basti Adda Road Sood Complex Mohali 3 B2 New Leela Bhawan Market Chandigarh Road Patiala Road 0183-2500563 01679-500409 0172-4655026 01763-503271 01632504947 01884500422 0181-4620040 0162-8230982 0172-4004871 0175-2307770 North Zone Delhi Delhi Faridabad Ghaziabad Gurgoan Delhi Delhi Delhi Delhi Delhi Delhi Delhi Delhi Delhi Delhi Haryana Ambala Fatehabad Hisar Kaithal Karnal Kurukshetra Nissing Panipat Rohtak Punjab Amritsar Barnala Chandigarh Fatehgarh Firozpur Hoshiarpur Avadhpuri 0755-2620206 Jalandhar Old Ab Road 07374-230074 Ludhiana Chamunda Mata Mandir 07272-403127 Mohali Gurudwara Road 0788-401203535 Patiala Gola Ka Mandir 0751-2462695 Nehru Chowk 07574-400026 Samrala Sapna Sangeet Road 0731-4701363 Zirakpur Sarafa Bazar 07572-403001 Rajasthan Ghamapur Chowk 0761-2620659 Ajmer Shivaji Chowk 0733-2222012 Alwar mandideep 07480-402014 Bhilwara Ratlam Station Road 07412-230247 Bikaner Rewa College Road 07662-404286 Bundi Civil Lines 07582-220020 Deoli Nai Sadak 0734-2555182 Fatehpur Airport Road 0731-4031725 Jaipur Royal Ratan 0731-2520006 Jodhpur Jawahar Marg 0731-2349009 Kishangarh Annapurna Main Road 0731-4220030 Kota Pali Rajasthan Kunta Road Dehegam Unnati High School Jamnagar Town Hall Junagadh Raiji Baug Navjivan Bazar Shivaji Public Garden Bhagyoday Hospital Abu Road Highway District Court Khakh Chowk Ranchhod Nagar Diwan Para Silvassa Vapi Main Road Tarsadi Nani Chowkdi Mahatma Gandhi Library Surya Hospital Road Rasala Road Khambhat Station Road Mundra Adani Port Road College Road Library Road Milen Cinema Road Raj Mahal Road Memco Cross Road Relief Road Sola Road Gurukul Road Bhulabhai Park South Zone Gorabazar Asansol Sunity Road Arambagh Howrah DBC Road Malincha Road Habra Krishna nagar Panskura Santipur S P Road Uttarpara Salkia Amtala Dum Dum Airport Baguiati Udaipur Chittorgarh Jalore Jaipur Jaipur Jaipur UP Agra Aligarh Bareilly Haridwar Kanpur Lucknow Mathura Meerut Rampur Uttarakhand Varanasi Uttarakhand Dehradun Rishikesh Roorkee Contact Us Email: [email protected] Just give us a missed call at 080 300 88 550 0162-3263436 1762-286157 Kutchery Road Shree Sadafal Tower Bhilwara Gandhi Nagar Rani Bazar Gayatri Nagar Deoli Ward no 2 Sikariya Chorata Kishan Pole Bazar Sardarpura Jaipur Road Sumerpur Veer Durgadas Nagar Talwandi Keshawpuram Chaura UTI Circle Rishab Complex Pagoda Road Kalwar Road Vijay Path Shyamnagar 0145-2633756 0144- 2330132 01482-308218 0151-2200682 0747-2442427 01434-232831 01571-230332 0141-2329492 0291-2438665 01463-248334 0744 - 2390666 02932-220106 0744- 2421111 0294-2415446 01472-244704 02973-222533 0141-2349346 0141-2401377 0141-5142450 Dharkran Krishna Palace Samad Rd Civil Line Chandracharya Chowk Govind Nagar KSM Tower Ojal Mall Star Plaza Budh Bazar Nainital Road Maldhiya 0562-2250216 0571-2402212 0581-2511759 01334-221180 0512-3078553 0522-6060291 0565-2400249 0121-2668616 0591-2415300 05946-220316 0542-2200176 Arhat Bazar Dehradun Road Malviya Chowk 0135-2623990 0135-2437617 01332-276560 Andhra Pradesh Anakapalli Ananthapur Chittor Cuddapah Dharmavaram Eluru Gudur Guntur Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Hyderabad Jammalamadugu Kadapa Warangal Srikakulam Kuppam Mahabubnagar Guntur Nellore Rajahmundry Secunderabad Tirupathi Tuni Vijaywada Vizag Vizianagaram Bhimavaram Gajwel Jaggaiahpet Kakinanda Kandukuru Tenali Karnataka Bengaluru Bengaluru Bangaluru Bangaluru Bangaluru Bangaluru Bangaluru Bhadravathi Davangere Hassan Kolar Mandya Ooty Sagar Shivamogga Arakalgudu Bangarper Gudibanda Holenarasipura Huliyar Kerala Alappuzha Calicut Chengannur Kayankulam Kollengode kottayam Palakkad Thuravoor Vadakara Varkala Angamally Kakkodi Mannarkkad Mukkam Pala Perambra Tamil Nadu Ariyalur Chennai Chidambaram Coimbatore Coonoor Dharmapuri Dindigul Erode Hosur Kanchipuram Kanyakumari Karaikudi Karur kodaikanal Krishnagiri Kumbakonam Madurai Mannargudi Myladuthurai Main Road Azad Nagar Kongareddypally Trunk Road Bangalore Road Old Bus Stand Road Raja Street Brodipet Alwal Main Road Musheerabad Mallapur Vanastalipuram Kachiguda Nallakunta Chandanagar Bhumireddy Complex Sankarapuram Kishan Pura Nivagam Road A P U Street Sha Shuab Gutta Mangalagiri Fathekhanpeta Danavaipet Main Road Sinidhi Colony Air By Pass Road Balaji Road BRP Road Akkayyapalem M G Road Bhimavaram JP Road Main Road Hyderabad Road Draksharama Pamur Road Bose Road 08924-223833 08554-220238 08572234237 08562-271111 08559-223226 08812-235154 08624-251331 0863-2210280 040-27960055 040-27650060 040-27155399 040-64520146 4027550919 040-27660126 040-64637175 08560-270128 08562-240251 0870-2544299 08946258181/ 08570-256672 08542-255311 08645-232004 0861-2308997 0883-2477812 040-27720084 08574-2238069 08854-251656 0866-2426277 0891-6450233 08922220018 08816-227833 08454232301 08654-26757 08857-250924 08598-221141 08644-220075 Doddabomasandra Chandapura Bapuji Nagar Laggere Main Road Kanakpura Main Road Hongasandra Peenya Hallappa Circle Andanur Complex Kruthika Arcade Mulbagal Road Malavalli Ettiness Road SPM Road AA Circle Aa Na Kru Circle Coronation Road Gudibande Arakalagodu Road B H Road 080 - 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Mascarenhas on behalf of India Infoline Limited and printed at Creative Printers, 91, Modi Street, Mapla House, 1st Floor, Fort, Mumbai - 400 001. Published from IIFL Center, Kamala City, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013. Editor: Anil N. Mascarenhas Disclaimer - Investment in financial instruments carry market risk. We do not assure or guarantee, in any manner whatsoever, timely payment/ repayment of your investment and income thereon. While we have taken care to obtain information from authentic sources, we are not responsible for any errors/ omissions in the newsletter. You are requested to kindly obtain all necessary information before choosing your investment. Our offer of incentives is in accordance with the normal practice in this industry and shall not be construed as inducement to invest in any particular company or scheme. IIFL Investor - Page 4 0496-3262628 0470-6060700 0484- 3197697 0495-3101971 04924 222323 0495-3105990 04822-314644 0496-3262686 Nagapattinam Nagercoil Namakkal Nilgiris Palani Papanasam Pattukkottai Pollachi Pondicherry Ponneri Pudukkottai Ramanathapuram Neela South Street Nagercoil Post Office Panchayat office Katty Road Dindigul Main Road Vaniya Street Market Road High School Road M G Road Munisiff Court Kodikkal Street Swamy Vivekanandar Salai Salem Saradha College Main Rd Salem Salem Main Road Sivagangai Someshwarar Sannathi street Tenkasi South Masi Street Thanjavur Alangudi Theni Theni Bus Stand Thiruvannamalai Neyveli Main Road Thiruvarur Thiruthiraipundi Road Tirunelveli Ambai Road Tirupur Gandhi Road Tiruttani Kadappa Trunk Road Tiruvannamalai Chinna Kadai Street Trichy KK Nagar Tuticorin Aks Theatre Road Uthukkottai AVM Theatre Road Vellore Filter Bed Road Colachei K S V Bldg Kalingarayan Kalingarayan Palayam Pallipalayam Sankari Bye Pass Road Chennai Kaladi Pet Chennai Kelambakkam Chennai Mmda Colony Chennai Vivekananda Nagar Chennai Tvk Nagar Chennai Triplicane Chennai West Tambaram 04365-220554 04652 - 228144 04286 222216 0423-2517152 04545-246130 4374220088 04373241155 04259-245400 0413 -2344010 044 -27971197 04339-272031 0456-220478 042 -4262881 04283-240116 04575-232013 04633220150 04322251055 04546250310 04142-259944 04369260202 0462 – 2351100 04214255727 044 - 27881330 04175-253320 0431-4051939 04632-225088 044-27630366 0416 - 4200677 04651225255 0424-2284544 04288-241551 044-43569748 044-27474187 044-43183571 044-42804543 044-45554230 04442157704 044-4-3159535 West Zone Goa Mapusa Panaji Ponda Vasco Maharashtra Ahemednagar Akola Amravati Aurangabad Aurangabad Baramati Beed Bhusawal Gondia Jalgaon Jalna Kolhapur Latur Miraj Nagpur Nanded Nashik Pen Pune Pune Pune Pune Pune Ratnagiri Sangli Satara Sawantwadi Shrirampur Solapur Vita Wardha Yerwada Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Mumbai Boisar Uran Mapusa Municipality Azad Maidan Almedia High School KTC Bus Stand 832-2262530 832-2223578 0832-2311060 0832-2501691 Savedi Village Gandhi Road Amba Devi Road Jalana Road Cidco Mahavir Road Subash Road Jamner Road Masjid Chowk Dhake Colony Mama Chowk Rajaram Road Ausa Road Shivaji Road Shivaji Nagar Dharampeth Vazirabad Ravivar Karanja Chinchoada Road Chaphekar Chowk Bhosari Dapodi Sinhagad Road Goodluck Chowk Maruti Mandir Ram Mandir Corner Durga Peth Bus Stand Sangamner Road Mangalwar Peth Vita Karad Road Bade Chowk Kshirsagar Complex 0241-2421209 0724-2421134 0721-2565559 0240-2355125 0240 248111 02112-224152 02442-226211 0258-2221218 07182-238201 0257-2234378 02482-235611 0231-2526591 02382-2255274 0233-221646, 0712-2533053 02462-231082 0253-2316212 8898061425 020-27357083 020-27111400 020-30712100 020-8796078320 020-25538007 02352-227001 0233-2320055 02162-228755 02363-273095 02422-222048 0217-2720051 02347-275591 07152-240979 020-26611340 Vashi, Sector 17 7738211956 Dombivali Gopi Cinemall 0251-2400610 Goregoan Filmcity Road 022-28426756 Kalyan Adharwadi 8898061437 Thane Paanchpakkadi 25424575 Mira Road Sec 1 8898805746 Ville Parle MG Road 9769444354 Andheri Jp Road 9987809658 Chembur Camp RC Marg022-25537747 Borivali Manek Nagar 022-28941954 Jogeshwari (W) 9819141632 Khar (W) 9892322582 Parel Ambedkar Road 022-24706137 Wadala (E) Antop Hill 022-24170616 Tarapur 8898057549 Palvi Hospital 8898057587 To, From: IIFL Investor, IIFL Center, Kamala City, Senapati Bapat Marg, Lower Parel, Mumbai - 400 013.
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