1. Which is the best product you will advise your savings bank customer, who is
saving Rs.5000/month in her savings a/c. She wants to go for International Trip
on Jan 2015.
Suggest Best products based on today’s economic scenario that gives good
returns.
Faculty Name : Mr. Vishwanathan
PRESENTER’s NAME
PRESENTER’s ID
Bhavana Battu
E130031000126
Karthik Goud
E130031000148
Raj Sekhar
E130031000127
Silambarasan Elango
E130031000132

2. Scenario : Mrs. SriDevi can save Rs.5000/month.
 She dreamt to have an International Trip on Jan 2015.
 Suggest best Investment plans , which will give good returns
on Jan 2015, And make her “Dream Come True”.

3. 1.
Factors to be considered
2.
Available Options
3.
Recurring Deposits
4.
Power of Compounding
5.
Mutual Funds
6.
Debt Market Instruments
7.
Systematic Investment Plan (SIP)
8.
Power of Diversification
9.
Best of Best in SIP
10.
Conclusion

4.  Periodic Investment.
 Type of Customer.
 Customer’s opinion on market.
 Current progress in Market.

5. Considering the factors :- Short Term, Periodic Investment. We
have below appropriate options .
 Recurring Deposit.
 Mutual Funds.
• Debt Instruments.
• Systematic Investment Plan.

6. - Facilitates the Customers with an opportunity to Build up their
Savings through ”Regular Monthly Deposits” of Fixed Sum over a Fixed
period of Time.
Latest news on Interest Rate:-
Lakshmi Vilas Bank has
revised interest rates on
some domestic term deposits.
for deposits of maturity one
year, the interest rate has
been revised to 10% from
9.5% earlier.
RBI hikes repo rate to
7.5%....
The Reserve Bank of India
raised repo rate or the rate at
which it lends to banks by 25
basis points to anchor inflation
and inflationary expectations.
The repo rate is increased to
7.5% from 7.25% with
immediate effect.

7. Accumulated Amount
90000
80000
70000
60000
50000
40000
30000
20000
10000
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
Withdraw
Accumulated Amount

8.  Mutual fund is a mechanism for pooling the resources by issuing
Units to the investors and investing funds in Securities .
Mutual fund issues units to the investors ( Unit Holders ) in
accordance with quantum of money invested by them.
The Profits or Losses are shared by the Investors in proportion to
their investments.
source: www.sebi.gov.in
Available Options :
• Debt Instruments ( Bonds & Equity Shares)
• Systematic Investment Plan ( SIP )

9. BONDS
In simple terms, organizations borrow funds by issuing debt
securities named bonds, having a Fixed maturity period (more
than one year) and pay a specified rate of interest (coupon rate)
on the principal amount to the holders.
EQUITY
Equity is the ownership interest of investors in a business
firm. Investors can own equity shares in a firm in the form of
common stock or preferred stock. Equity ownership in the firm
means that the original business owner no longer owns 100% of
the firm but shares ownership with others.

10. A way of investing regularly in Mutual
Fund Schemes. Units are allotted at the Net
Asset Value existing on the day of
investment.
Net Asset Value ( NAV )
NAV per unit is the market value of securities of a scheme divided by the
total number of units of the scheme on any particular date. For example, if the
market value of securities of a mutual fund scheme is Rs 200 lakhs and the mutual
fund has issued 10 lakhs units of Rs. 20 each to the investors, then the NAV per
unit of the fund is Rs.20.

11. Who Excels now ?
Franklin India Bluechip Fund
Axis Equity Fund
Reliance Top 200 Fund
Birla Sun Life Frontline Equity Fund
CRISIL (Credit Rating Information Services of India Limited ):- a global analytical company providing ratings, research, and risk and policy
advisory services.
- evaluates the credit worthiness of a debtor, especially a business
(company) or a government. The evaluation is made by a credit rating agency of
the debtor's ability to pay back the debt and the likelihood of default.

12. 
Stock of a large, well-established
and financially sound company that has
operated for many years.

A blue-chip stock typically has a
market capitalization in the billions,
and is generally the market leader or
among the top three companies in its sector.
Few of the Top Holding Companies:



Infosys Ltd.
Bharti Airtel Ltd.
ICICI Bank Ltd.
Reliance Industries Ltd.

13. Last 6 Months:
This Month:

14. Investment Date
Amount (Rs)
Purchase Price
( NAV )
Units
Purchased
01-10-2013
5000
32.07
155.9089
01-11-2013
5000
32.01
156.2012
01-12-2013
5000
31.98
156.3477
01-01-2014
5000
32.87
152.1144
01-02-2014
5000
32.55
153.6098
01-03-2014
5000
33.45
149.4768
01-04-2014
5000
33.89
147.5361
01-05-2014
5000
34.18
146.2844
01-06-2014
5000
35.27
141.7635
01-07-2014
5000
35.9
139.2758
01-08-2014
5000
36.23
138.0072
01-09-2014
5000
35.76
139.821
01-10-2014
5000
36.9
135.5014
01-11-2014
5000
37.29
134.0842
01-12-2014
5000
37.65
132.8021
Withdrawing on 30-12-2014
Total Units Purchased
2178.735
Each Unit costs 37.59
Actual Amount deposited
Return
Return percent
Net Return
Percent
75000
81898.63
109.2
9.2

15. Last 6 Months:
This Month:

16. Amount
(Rs)
Investent Date
Purchase Price ( NAV ) Units Purchased
01-10-2013
5000
10.07
496.5243297
01-11-2013
5000
10.01
499.5004995
01-12-2013
5000
10.98
455.3734062
01-01-2014
5000
11.87
421.2299916
01-02-2014
5000
10.55
473.9336493
01-03-2014
5000
10.45
478.4688995
01-04-2014
5000
12.89
387.897595
01-05-2014
5000
12.18
410.5090312
01-06-2014
5000
12.27
407.4979625
01-07-2014
5000
13.9
359.7122302
01-08-2014
5000
12.23
408.8307441
01-09-2014
5000
12.76
391.8495298
01-10-2014
5000
11.9
420.1680672
01-11-2014
5000
12.29
406.8348251
01-12-2014
5000
12.65
395.256917
Total Units Purchased
6413.587678
Withdrawing on 30-12-2014
Each Unit costs 12.49
Actual Amount deposited
Return
80105.71
Return percent
Net Return Percent
75000
106.8
6.8

17. 
If we Diversify the investment amount
between Franklin India bluechip Fund
and Axis Equity Fund. And if few portion
with Recurring deposits also.

Chances of Neutralising the risk
will be a Great Plus.

Recommended to Split the Investment amount. And Invest in 2
or 3 facilities. In case of “ Bad performance “ by one of the
Fund, other will help you out.

18. Low Risk:
Recurring Deposit
Medium Risk: Systematic Investment
Plan
High Risk:
Bonds & Shares

19. sebi.gov.in
rbi.org.in
economictimes.indiatimes.com
moneycontrol.com
crisil.com
frankintempletonindia.com
wikipedia.com