By

Sriniwaas
(Stock Market Technical Analyst,
Financial Advisor)

Author
Sriniwaas
ksriniwaas@gmail.com

Sriniwaas.

Sriniwaas

AMC ............................................................................
R & T ...........................................................................

DP ................................................................................


RBI ..............................................................................
AMFI ...........................................................................

















ETF ..............................................................................
ELSS ............................................................................





KYC .............................................................................

Sriniwaas

NFO






NAV NAV





NAV


Indexation







ETFs .................................................................... 121
ELSS

Sriniwaas

Sriniwaas

Professional Management

Diversification

Convenient Administration

Return potential

Sriniwaas

Low cost

Liquidity

Transparency

Choice of schemes

Well regulated

Tax benefits

SBI

Sriniwaas

Unit trust of
India
UTI
US-64
UTI

IDBI Unit trust of
India, US-64 Ulip, UTI-Cggf,

1987Master share
Unit trust of India

(Entry of public sector funds)

SBI Mutual Fund
Can bank mutual fund. Aug 1989
Punjab national bank mutual fund, Nov. 1989Indian bank
mutual fund, 1989LIC mutual fund, 1990Bank of India
mutual fund GIC mutual fund, oct. 1992Bank of

Baroda mutual fund

(Entry of private sector funds)

July 1993
Erstwhile Kothari pioneer
Franklin Templeton
SEBI mutual fund


SEBI Mutual fund regulations
SEBI
regulations (Mutual fund)

10

Sriniwaas

UTI mutual fundSBI, PNB, POB,

LIC
SEBI regulations

(Mutual Fund)

11

12

Sriniwaas

13

AMC
(Asset Management Company),

Sponsor

NAV (Net Asset

Value) R&T (Registrars and Transfor Agent)

Custodians

Asset Management Fees

14

Sriniwaas

AMC (Asset Management Company)
SEBI regulations (Mutual Fund)

Sponsor,
Trustee,
AMC (Asset Management Company)

15

SPONSOR





AMC 40%
SEBI regulations (Mutual Fund)
SEBI

AMC

TRUSTEE
SEBI

regulations (Mutual Fund)

16

Sriniwaas

SEBI
AMC
AMC

AMC
SEBI

AMC SEBI



AMC SEBI

AMC (Asset Management Company)

AMC
AMC

SEBI AMC

AMC

17

AMC
AMC

AMC

SEBI

AMC

AMC

SEBI

AMC

Registrars and Transfer Agent (R&T)

AMC

NAV

18

Sriniwaas

CUSTODIANS

DEPOSITARY PARTICIPANT (DP)

19

DISTRIBUTORS
AMC

SEBI (Securities and Exchange Board

of India)
SEBI.
SEBI
SEBI

SEBI regulations (Mutual Fund)

NAV

NAVAMFL

20

Sriniwaas

RBI (RESERVE BANK OF INDIA )

RBI

AMFI ( ASSOCIATION OF MUTUAL

FUNDS IN INDIA)


August, 22, 1995



AMC
AMC





AMFL

21

TYPES OF MUTUAL FUND SCHEMES

BY STRUCTURE
* Open - Ended Schemes
* Close - Ended schemes
* Interval Schemes
BY INVESTMENT OBJECTIVE
* Growth Schemes
* Income Schemes
* Balanced Schemes
* Money market schemes
OTHER SCHEMES
* Tax Saving Schemes
* Special Schemes
* Index schemes
* Sector Specific schemes

22

Sriniwaas

NFO (New Fund

Offer)

NFO
NFO

NAV
NAV
NAV



NAV

23

NFO

NFO

NAV



NAV
NAV

24

Sriniwaas

NAV

25

26

Sriniwaas

27

28

Sriniwaas

BSE Sensex 30, NSE
Nifty 50, Sensex 30

29

S & P CNS Nifty Constituents:

Company Name

Mkp. Cap. Rs. Cr. Weight (%)

Infosys Ltd.
Reliance Industries Ltd.
I.T.C. Ltd.
HDFinance Corporation Ltd.
ICICI Bank Ltd.
HDFC Bank Ltd.
Tata Consultancy Services Ltd.
Larsen & Toubro Ltd.
Hindustan Unilever Ltd.
State Bank of India
Bharti Airtel Ltd.
Oil&Natural Gas Corporation Ltd.
Mahindra & Mahindra Ltd.
Tata Motors Ltd.
Tata Steel Ltd.
Bajaj Auto Ltd.
Axis Bank Ltd.
NTPC Ltd.
Wipro Ltd.
Dr. Reddy's Laboratories Ltd.
Coal India Ltd.
Bharat Heavy Electricals Ltd.

133433
116912
108124
86601
78889
76651
58886
53448
41805
411738
41309
34615
31321
31239
22287
21357
20928
20558
20394
19899
18990
18870

9.50
8.32
7.70
6.16
5.61
5.46
4.19
3.80
2.98
2.97
2.94
2.46
2.23
2.22
1.59
1.52
1.49
1.46
1.45
1.42
1.35
1.34

30

Company Name

Sriniwaas

Mkp. Cap. Rs. Cr. Weight (%)

Sun Pharmaceutical Industries Ltd.

18699
Hero Motocorp Ltd.
18180
Jindal Steel & Power Ltd.
17532
GAIL (India) Ltd.
16233
Cipla Ltd.
16233
Kotak Mahindra Bank Ltd.
15937
Grasim Industries Ltd.
15797
Hindaico Industries Ltd.
14900
Power Grid Corporation of India Ltd. 14171
Tata Power Co. Ltd.
14120
Sterlite Industries (India) Ltd.
12593
Maruti Suzuki India Ltd.
12148
Ambuja Cements Ltd.
11690
Cairn India Ltd.
11450
Infrastructure development Finance Co. Ltd. 10832
ACC Ltd.
10609
Punjab National Bank
10389
HCL Technologies Ltd.
9572
DLF Ltd.
6653
Seas Goa Ltd.
6194
Ranbaxy Laboratories Ltd.
6174
Bharat Petroleum Corporation Ltd.
5919
Jaiprakash Associates Ltd.
5919
Siemens Ltd.
5462
Steel Authority of India Ltd.
4774
Reliance Communications Ltd.
4647
Reliance Infrastructure Ltd.
4633
Reliance Power Ltd.
3897
Total
1405066

1.33
1.29
1.25
1.23
1.16
1.13
1.12
1.06
1.01
1.00
0.90
0.86
0.83
0.81
0.77
0.76
0.74
0.68
0.47
0.45
0.44
0.44
0.42
0.39
0.34
0.33
0.33
0.28
100.00

* Free Float market Capitalization as on Dec. 30, 2011

31

P/E

Sriniwaas

32

Top 10 Sector Weights (%)

Sector

Fund

Nifty

Financial
Energy
Technology
Healthcare
FMCG
Automobile
Metals
Engineering
Cons Durable

25.47
22.97
11.66
7.32
7.31
5.25
4.08
3.10
2.95

18.64
28.19
15.50
3.22
5.52
6.02
8.70
3.58
--

33

34

Sriniwaas

35

36

Sriniwaas

1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.

Central government securities

State government securities
Public sector bonds
Bonds issued by domestic financial institutions
Corporate debuntures
Commercial papers
Certificate of deposit
Floating rate notes
Zero coupon / deep discount instruments
Kisan vikasa patra
National saving certificates
Post office deposits
Senior citizen saving scheme
GOI 8% savings bonds
Public provident fund
Section 80c fixed deposits with bank

37

38

Sriniwaas

Exchange Traded Funds (ETFs)

ETFs
ETFs
ETFs
ETFs

ETFs ETFs
ETFs


ETFs
ETFs

ELSS (Equity Linked Saving Scheme)

ELSS

39

Section 80C

Sriniwaas

40
Investment
Avenue

%
Minimum Maximum Lock in Feature
Return Investment Investment Period

National Saving
Certificate

Rs.100

No Limit

6 yrs.

Interest
is taxable

Public Provident
Fund

Rs.500

Rs.1 Lakh

15 yrs.

Tax Free
Return

6.25 - 7.5

Rs. 200

No Limit

Rs. 1000

Time Deposit

Senior Citizen
Saving Scheme

Equity Linked
Market
Saving Scheme Driven but
one can
expect
15-17%
Return

Rs. 500
to
Rs.5000

5 Yrs.(to Interest
avail 80C is taxable
benefit)

Rs. 15 Lks. 5 Yrs.(to Minimum

avail 80C ag is 55
benefit) avail this
option

No Limit

3 Yrs.

Lowest
lock in
Period
with
Maximum
Possible
Return

ELSS
ELSS






DTC ELSS

41

new pension schemes (NPS)

42

Sriniwaas

NAV



NAV
NAV




NAV
NAV
Net Asset Values (NAV) = (Assets - Debts) / ( Number of
outstanding units )
where
Assets = Market value of the fund's investments +
Receivables + Accrued Income
Debts = Liabilities + Accrued Expenses

NAVPer Unit

43

NAV

44

Sriniwaas

45

Expense Ratio :
Sharpe Ratio

Alpha Ratio

R-squared

Beta

Sriniwaas

46

# Fund Name

Expense
ratio

Shapre Alpha

R.sq.

1. HDFC Taxsaver

1.94%

0.28

0.77

0.94

2 Sahara Taxgain

2.50%

0.44

6.52

0.94

3. Franklin India tax chiled

2.16%

0.33

2.22

.095

Short term
Capital appreciation
Regular income
Tax savings
Investment
objective

Investment
horizon

Ideal instruments

Short term
investment

1 - 6 months

Liquid/
short term plans

Capital appreciation

Over 3 yers

Diversified quaity /
balanced / growth
funds

Regular income

flexible

Monthly income
plans/ Income
funds

Tax savings

3 years lock-in Equity-linked

savings schemes
(ELSS)

47

48

Sriniwaas

KNOW YOUR CUSTOMER (KYC)

1st January, 2011
KYC

KYC
KYC

49

50

Sriniwaas

NAV



NAV
NFO
NFO

NAV
NFO
NFO

51

SIP








SIP

52

Sriniwaas

SIP

SIP


SIP

SIP

53

SIP




SIP.
SIP


ECS

SIP
ECS

54

Sriniwaas

ECS



ECS
ECS
SIP

NAV
SIP


NAV

NAV
NAV

NAV

SIP

55

SIP






SIP

56

Sriniwaas

57

Day

Option 1 (Rs)

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

100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000

Option 2 (Rs)
0.01
0.02
0.04
0.08
0.16
0.32
0.64
1.28
2.56
5.12
10.24
20.48
40.96
81.92
163.84
327.68
655.36
1,310.72
2,621.44

Sriniwaas

58

Day

Option 1 (Rs)

20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
Total

100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
100,000
3,100,000

Option 2 (Rs)
5,242.88
10,485.76
20,971.52
41,943.04
83,886.08
167,772.16
335,544.32
671,088.64
1,342,177.28
2,684,354.56
5,368,709.12
10,737,418.24
21,474,836.47

(Compounding)

59

NAV
NAV
NAV

NAV
NAV

NAV

60

Sriniwaas

NAV

61

62

Sriniwaas

63

SIP

SIP

64

Sriniwaas

SIP

SIP

SIP

65

SIP
SIP

66

Sriniwaas

67

SIP is for small investors or salaried guys

68

Sriniwaas

SIP is a fund or a scheme

SIP should be started when markets are high and should
be stopped when it is low or vice versa

SIP is a magical prescription for success

69

SIP gives better returns than lump sum investment

There is a right time for SIP investing

I cannot miss my SIP dates

70

Sriniwaas

I cannot make lump sum investment in a fund where my

SIP is running

SIP dates are important

VIP

71

SIP VIP
NAV

VIP

72

Sriniwaas

(MIP)






MIP

commercial paper, certificate of deposits, government
securities and treasury bills

73

(SWP)

74

Sriniwaas

NAV

NAV

NAV

(FMP)

75

NFO

NFO
IPO
IPO IPO

NFO

NAV
NAV

IPO
IPO

NFO
NFO
NAV
NAV

76

Sriniwaas

NAV

NAV

77

NAV

78

Sriniwaas

NAV

NAV

79

NAV
NAV

80

Sriniwaas

81

NAVNAV

NAV
NAV


NAVNAV
NAV

NAV

NFO NAV

NAV

NAV NAV

82

Sriniwaas

Return is not impacted by low or high NAV of mutual

fund

NAV

83

NAV

84

Sriniwaas

85

86

Sriniwaas

NAV
NAV

87

NAV
NAV NAV

NAV






NAV

88

Sriniwaas

NAV


NAV

NAV
NAV










NAV

NAV

89

NAV

NAV

90

Sriniwaas

91

92

Sriniwaas

93

94

Sriniwaas

95

96

Sriniwaas

Shares / stocks / equities / equity mutual funds

STCG

NSC, BSC

Short Term Capital Gain

97

Long Term Capital Gain

All other capital assets

Short Term Capital Gain

Long Term Capital Gain

98

Sriniwaas

Capital Gain = Sell Price - Purchase Price

Caital Gain = Sell Price- Indexed Cost of Acquisition

Long term Capital gains is around 20% with indexation and
10% without Indexation

Indexation

99

Indexation

Cost inflation index

Cost inflation index

Indexed Cost of Acquisition = ( Actual cost of purchase) *
(CII of Year of Sale)/ CII of Year of Purchase)
Capital Gain = (Sale Price MINUS indexed Cost of
Acquisition)
Capital Gains Tax = 20% of Capital Gain

An asset was purchased in FY 1996-97 for Rs.2.50

lacs

This asset was sold in FY 2004-05 for Rs.4.50 lacs

Cost inflation Index in 1996-97 was 305 and in 200405 it was 480

So, indexed cost of acquisition would be :

Rs. 2,50,000 = (480/305) = Rs.3,93,443

100

Sriniwaas

Capital Gains = Selling price of an asset - Indexed Cost

i.e. Rs.450000 - Rs. 393443 = Rs. 56557.
tax payable will be 20% of Rs. 56557 = Rs. 11311
With out indexation = Selling price of an asset - Cost of
acquisition
i.e. Rs.450000 - Rs. 250000 = Capital Gains is Rs.200,000.
tax payable @ 10% of Rs.200000 = Rs. 20,000

Indexation
Indexation
Indexation

Property / Gold / Silver etc.

Indexation

Equity / Equity mutual fund units

Indexation

Capital Gain Tax on Debt Schemes:

LTCG - Taxed @ 20% (with Indexation) or 10% (without
indexation) - Plus applicable surcharge and Education cess
STG - Taxed at the normal rate of tax as applicable to the
assesse

101

units of debt oriented mutual funds / gold ETFs/ zero coupon

bonds listed securites & debentures etc.

Short Term Capital Gains
Other Income
Total Income

30,000
1,70,000
2,00,000

Taxed
@20% (with Indexation) or 10% (without Indexation) Plus
applicable surcharge and Educationcess.

Sriniwaas

102

Without Indexation

Plus 3%
Educationcess.without Indexation

Sale Proceeds
Less:
Cost after Indexation 2,00,000 x 785/480
Long Term Capital Gains
* Refer Indexation Table

3,50,000

=
=

3,27,083
22,917

of 22,917 = 4,583 Plus 3%

Educationcesswith Indexation

Indexation
education cess

Indexation

103

Cost inflation index

COST INFLATION INDEX FROM 1981 TO 2009
Financial
Year

Cost Inflation
Index

Financial
Year

Cost inflation
Index

1981-1982

100

1995-1996

281

1982-1983

109

1996-1997

305

1983-1984

116

1997-1998

331

1984-1985

125

1998-1999

351

1985-1986

133

1999-2000

389

1986-1987

140

2000-2001

406

1987-1988

150

2001-2002

426

1988-1989

161

2002-2003

447

1989-1990

172

2003-2004

463

1990-1991

182

2004-2005

480

1991-1992

199

2005-2006

497

1992-1993

223

2006-2007

519

1993-1994

244

2007-2008

551

1994-1995

259

2008-2009

582

2009-2010

632

2010-2011

711

2011-2012

785

National Highway Authority of INdia, Rural

Sriniwaas

104

Electification Corporation of India or SIDBI

ASSET CLASS
LISTED SHARES

STCG
TAX

LTCG TAX

DURATION
FOR STCG

15%

0%

1 YEAR

15%

0%

1 YEAR

EQUITY MUTUAL
FUNDS
DEBT MUTUAL
FUNDS, FMPS

as per
LOWER OF
Applicable
10% NON
Slab
INDEXED OR
20% INDEXED

3 YEAR

REAL ESTATE

as per 20% INDEXED

Applicable
Slab

3 YEAR

GOLD

as per 20% INDEXED

Applicable
Slab

3 YEAR

105

Without Indexation - 10% tax on captal gains

With Indexation - 20% tax on capital gains

106

Sriniwaas

107

108

Sriniwaas

109

110

Sriniwaas

NAV

NAV

111

112

Sriniwaas

Equity funds

Risk

Return Long term

Aggressive growth funds

High

High

Growth funds

High

High

Sector funds

High

High

Diversified equity funds

Medium to high high

Equity index funds

High

Value funds

Medium to high High

Equity income funds

Medium

Medium

Debt/Income funds

Risk

Return

Diversified Debt funds

Low

Low

High yield debit funds

High

High

Assured return funds

Low

Low

Fixed term plan series

Low

Low

Balanced funds

Medium

Medium Long term

Growth and income funds

Medium to High Medium Medium term

Gift funds

Low

Low

Medium to
long term

Money market/ luquid funds

Low

Low

short term

High

Medium to
long term

Short-term

Hybrid funds

113

LIST OF MUTUA FUNDS

AIG Global Asset Management Company (India) Pvt. Ltd.
www.aiginvestments.co.in
Axis Asset Management Company Ltd.
www.axismf.com
Baroda Pioneer Asset Management Company Limited
www.barodapioneer.in
Bharti AXA Investment Managers Private Limited
www.bhartiaxa-im.com
Birla Sun Life Asset Management Company Limited
www.birlasunlife.com
BNP Paribas Asset Management India Private Limited
www.bnpparibasmf.in
Canara Robeco Asset Management Company Limited
www.canararobeco.com
Daiwa Asset Management (India) Private Limited
www.daiwafunds.in
Deutsche Asset Management (India) Pvt. Ltd.
www.dws-india.com
DSP BlackRock Investment Managers Private Limited
www.dspblackrock.com
Edelweiss Asset Management Limited
www.edelweissmf.com
Escorts Asset Management Limited
www.escortsmutual.com
FIL Fund Management Private Limited
fidelity.co.in
Franklin Templeton Asset Management (India) Private Limited
www.franklintempletonindia.com
Goldman Sachs Asset Management (India) Private Limited
www.gsam.in
HDFC Asset Management Company Limited
www.hdfcfund.com
HSBC Asset Management (India) Private Ltd.
www.assetmanagement.hsbc.com/in
ICICI Prudential Asset Mgmt.Company Limited
www.icicipruamc.com

114

Sriniwaas

IDBI Asset Management Ltd.

www.idbimutual.co.in
IDFC Asset Management Company Limited
www.idfcmf.com
India Infoline Asset Management Co. Ltd.
www.iiflmf.com
Indiabulls Asset Management Company Ltd.
www.indiabullsmf.com
ING Investment Management (India) Pvt. Ltd.
www.ingim.co.in
JM Financial Asset Management Private Limited
www.JMFinancialmf.com
JPMorgan Asset Management India Pvt. Ltd.
www.jpmorganmf.com
Kotak Mahindra Asset Management Company Limited(KMAMCL)
www.kotakmutual.com
L&T Investment Management Limited
www.lntmf.com
LIC NOMURA Mutual Fund Asset Management Company Limited
www.licnomuramf.com
Mirae Asset Global Investments (India) Pvt. Ltd.
www.miraeassetmf.co.in
Morgan Stanley Investment Management Pvt.Ltd.
www.morganstanley.com/indiamf
Motilal Oswal Asset Management Company Limited
www.motilaloswal.com/assetmanagement/
Peerless Funds Management Co. Ltd.
www.peerlessmf.co.in
Pramerica Asset Managers Private Limited
www.pramericamf.com
Principal Pnb Asset Management Co. Pvt. Ltd.
www.principalindia.com
Quantum Asset Management Company Private Limited
www.QuantumAMC.com
Reliance Capital Asset Management Ltd.
www.reliancemutual.com
Religare Asset Management Company Limited
www.religaremf.com

115

Sahara Asset Management Company Private Limited

www.saharamutual.com
SBI Funds Management Private Limited
www.sbimf.com
Sundaram Asset Management Company Limited
www.sundarammutual.com
Tata Asset Management Limited
www.tatamutualfund.com
Taurus Asset Management Company Limited
www.taurusmutualfund.com
Union KBC Asset Management Company Pvt. Ltd.
www.unionkbc.com
UTI Asset Management Company Ltd
www.utimf.com

5 Star Funds
February 2012
Risk Grade Return Grade Nav
Lunch Date Return 5 years
Equity : Large cap
DESPBR
Top 100 Equity Reg

Low

High 101.19 FEB 2003

Franklin India Bluchip

Low

High 215.14 NOV 1993 12.24 24.07

ICICI Prudential Focused

Blue chip Equity inst 1 Low
ICICI Prudential Focused
Bluechip Equity Retail Low
ICICI Prudential
Top 100 Inst l

13.30 29.38

High 17.03 May 2008..... 15.13

Above 16.5 MAY 2008 ...... 14.17

average

Below High
average
19.72 MARCH 2006 11.37 11.97

Equity : Large & Mid Cap

Canara Robeco Equity Below High 55.17 SEP 2003 14.21 22.33
Diversified
Average

116

Sriniwaas

HDFC Top 200

Average High 203.17 SEP 1996 14.68 23.24

ICICI Prudential
Dynamic Instal l

Low

Mirae Asset India

Opportunities Regular

Below High 16.19 MARCH 2098..... 13.11

Average

UTI Dividend Yield

Low

High 31.86 MAY 2005 15.65

UTI Opportunities
Equity: Multi Cap

Low

High 28.53 JULY 2005 16.95 17.15

HDFC Equity

Average High 263.47 DEC 1994 13.40 20.98

HDFC Growth

Below Above 85.85 AUG 2000 14.02 20.60

Average Average

Above 16.83 MARCH 206 12.33 1088

Average

18.47

Quantum
Long Term Equity

Low

Tata Equity PE

Average High 46.86 JUNE 2004 14.30 22.38

High 22.57 FEB 2006 14.60 14.59

Equity : Mid & Small Cap

Birla Sun Life
Dividend Yield Plus

ICICI Prudential
Discovery Instl 1

Low

Above 84.99 FEB 2003 16.23 26.78

Average

Below High 21.53 March 2006 15.44 13.62

average

IDFC Premier Equity

Below High 32.68 SEP 2005 19.92 20.22

average

ING Dividend Yield

Below High 22.62 OCT 2005 15.49 13.70

average


Tata Dividend Yield

117
Low

High 34.07 OCT 2004 15.84

18.34

Equity : Banking
Reliance Banking Retail Below High 97.44 MAY 2003 22.52 29.57
Average
Equity : Infrastructure
Canara Robeco
Infrastructure
Below High 22 NOV 2006 11.08 13.44
average
Taurus Infrastructure
Average High 11.08 MARCH 2007 ..... 3.37
Hybrid: Equity oriented
HDFC Balanced

Low

Above 58.12 AUG 2000 14.95 16.57

average

HDFC Prudence

Aveage High 214.98 Jan. 1994 14.24 20.41

Hybrid: Debt-oriented Aggressive

UTI CRTS 81

Below Above 184.96 Oct. 1981 11.46 10.28

Average

Hybrid: Debt-oriented Conservative

Birla Sun Life
MIP II Savings 5

HDFC Childrens
Gift-sav

Low

Above 19.02 APR 2004 10.48

average

8.61

Below High 24.5 SEP 2001 10.96 11.10

average

HDFC Multiple Yield

Low

High 19.58 SEP 2004 10.24 9.43

HDFC Multiple
Yield Plan 2005

Low

Above Aug 2005 9.80 9.04

average

118
Hybrid: Arbitrage
UTI SPrEAD
Debt: Income
Birla Sun Life
Dynamic Bond Ret

Low

Sriniwaas

High 15.28 JUN 2006 7.73 7.72

Below High 17.86 SEP 2004 9.49 8.12

Average

ICICI Prudeential
Banking &
Low
Above 11/75 AUG 2010 ...... 8.77
PSU Debt Premium Plus
average
IDFC SSI
Mediu-term Plan A
Average High 18.13 JUNE 2003 8.83 7.12
IDFC SSI Medium
term Plan B

Average High 11.67 JAN 2009..... 8.69

L&T Select IncomeFlexi Debt Inst Low

Above

11.93 OCT 2009.... 7.64

average

L&T Select IncomeFlexi Debt Ret Low

Above

11.80 OCT 2009....7.17

average

SBI Dynamic Bond

Average High 13.10 JAN 2004. 4.14 3.38

Debt : Gilt Medium & Long Term

Birla Sun Life
GSF Long term

Low

IDFC GSF
Investment Plan A

Average High 20.25 March 2002 8.18 7.12

High 30.94 OCT 1999 9.36

9.57

IDFC GSF PF Plan B

Below High 17.45 MAR 2004 9.47

average

7.28

IDFC GSF PF Regular

Below High 17.18 MAR 2004 9.19 7.06

average


Debt : Short Term
DSPBR Short-term
UTI Short-term
Income Inst.

119
Low

Average 18.08 SEP 2002 7.02 6.44

Below High 12.44 AUG 2007 ..... 8.18

average

Debt: Ultra Short Term

Canara Robeco Floating
Rate STBelow
High
16.56 JULY 2010 ..... 8.91
Average
Escorts Short Term Debt Average High 15.88 DEC 2005 8.49 7.78
IDFC Ultra Short Term
ING Treasury
Advantage Inst
JM Money Manager
Reg
JM Money Manager
Super
Peerless Short Term
Peerless Ultra Short
Term
Super Inst.

Below Above 14.68 JULY 2010 .... 8.79

average Average
Average High 14.37 MARCH 2007 .... 7.60

Low

High 14.71 JULY 2007 .... 7.37

Low

High 15.13 JULY 2007..... 8.04

Below High 11.77 AUG 2010..... 11.23

Average
Below High 11.67 FEB 2010...... 7.84
Average

Sahara Short Term Bond Above High 12.84 APR 2009..... 9.00
Average
Tata Fixed Income
Portfolio
Scheme A3 Inst
Low
High 11.56 DEC 2007 ..... 8.78
Tata Fixed Income
Portfolio
Scheme A3 Reg
Average High 12.83 DEC 2007 ..... 6.82

120
Taurus Short Term
Income
Taurus Ultra Short
Term Bond Inst Below

Sriniwaas

Below High 1824.42 APR 2010.... 8.59

Average
Above 1252.54 NoV 2008 .... 7.17
average average

Taurus Ultra Short

Term
Bond super Inst.

Below
avrage

Templetion Floating
Rate
Super Inst.

Below Above 14.62 MAY 2007 ..... 8.32

Average Average

High 1258.59 NOV 2008.... 7.33

Debit: Liquid
BNP Paribas Overnight
Institutional

Below High 16.36 SEP 2004 728 6.79

Average

Escorts Liquid

Low

JM High Liquidity
Super Inst.

Average High 16.67 MAY 2004 7.29

Kotak Floater ST

Peerless Liquid Super

Inst.

High 16.30 SEP 2005 8.50 7.90

6.79

Above High 17.42 JULY 2003 7.33 6.64

average

Below High 11.66 FEB 2010 ..... 7.69

average

Sahara Liquid Fixed

Pricing

Average High 1930.96 FEB 2002 7.69 6.76

Sahara Liquid Variable

Pricing

Low

Taurus Liquid Inst.

High 1947.04 OCT 2005 7.80 7.52

Below High 1169.45 SEP 2008 .... 7.55

average

121

Taurus Liquid Super

Inst.
Templeton India
TMA Super Inst

Below High 11.47.16 SEP 2008 .... 8.52

average
Low

High 1853.80 SEP 2005 7.55 7.33

BEST CHILDREN PLANS

TEMPLETON INDIA CHILDRENS ASSER-GIFT (G)
SBI MAGNUM CHILDREN BENEFIT
TEMPLETON INDIA CHILDRENS ASSEY-EDU (G)
LICMF CHILDREN (G)
UTI CCP ADVANTAGE (G)
HDFC CHILDRENS GIFT INVESMENT
HDFC CHILDRENS GIFT SAVINGS
ICICI PRU CHILD CARE PLAN - GIFT PLAN
ICICI PRU CHILD CARE PLAN-STUDY PLAN

List of gold ETFs

1
2
3
4
5
6
7
8
9

SBI Gold exchange traded fund

UTI Gold exchange traded fund
Reliance Gold exchange traded fund
Quntum Gold Fund (an ETF)
Religare Gold exchange traded fund
Kotak Gold ETF
HDFC Gold exchange traded fund
Axis Gold ETF
Birla sun life Gold ETF

Sriniwaas

122

10
11
12
13

IDBI Gold exchange traded fund

GS Gold bees
Motilal oswal most shares gold etf
Canara robeco Gold ETF

Best Tax saving ELSS

Scheme name

Nav
(Rs)

Launch date Risk grade

Return Return 5
Grade
Years

Canara Robeco
Equity Tax
Saver

18.16

March 1993

Low

HIGH

15.51

Taurus Tax
Shield

33.07

March 1996

Average

High

15.34

Fidelity Tax
Advantage

21.08 January 2006

Low

Above
Average

12.02

Franklin India
Taxshield

212.12 April, 1999

Low

Above
Average

12.45

Sahara Tax
Gain

36.63

March 1997

Average

High

13.16

Religare
Tax Gain

17.11

Dec. 2006

Below
Average

Above
Average

13.51

HDFC
Taxsaver

223.81 March 1996

Below
Average

Above
Average

10.94

ICICI
Prudential
Tax plan

136.28 Aug. 1999

Average
Average

Above

10.15