Focused FD Schemes - RR Investor

Focused FD Schemes

Shriram Unnati

Ansal Housing & Construction Ltd.

Avon Corporation Ltd.

Birla Power Solutions Ltd.

Dewan Housing Finance Corporation Ltd.

Ind-Swift lab Ltd.

JaiPrakash Associate Ltd.

Mahindra & Mahindra Financial Services Ltd.

Mukund Ltd.

Neesa Leisure ltd.

Parsvnath Developers Ltd.

Unitech Ltd.

United Spirits Ltd.

Notes:-

6 12 24 36Ansal Housing & Construction 10000*1000 10.00 11.00 11.00 11.50 Interest Compounded Monthly

Post dated Interest cheques for each F/Y will be sent in advance

Avon Corporation Ltd 5000*1000 - 11.00 11.50 12.00 0.50% extra for Sr.Citizen/Employees/Sh.holders (No Minimum limit)

Interest Compounded Quarterly

Birla Power Solutions Ltd. 10000*1000 - 10.50 11.00 11.50 0.50% Extra only for Shareholder, 0.25% extra for amount to or above 1 Lakh, Interest Compounded Half Yearly


DHFL-AASHRAY DEPOSIT PLUS SCHEME care (AA+) & BWR

(FAAA)

2000*1000 48 to 84M

10.50

10.50 10.50 10.50 0.25% extra for Deposit Rs.25 Lac and above, 0.50% for Privilege Depositors

Interest Compounded Half Yearly

DHFL-AASHRAY DEPOSIT PLUS (36 Months) care (AA+) & BWR

(FAAA)

2000*1000 11.00 0.50% for Privilege depositors. Interest Compounded Annually.

Ind Swift Lab Ltd. 10000*1000 - 11.00 11.50 12.00 0.50% p.a for Employee / Sr.Citizens (60 yrs), Maturity before 1st July will be Redemption.Interest Compounded

Quarterly, Post Dated Principal and Interest Cheque of each F/Y will be issued in advance

Jaiprakash Associates Ltd. 20000*1000 10.50 10.50 11.00 11.50 Maximum Amt. per investor for six mts duration - Rs. 10 Lakh

Interest Compounded Monthly, Post Dated Interest Cheque of each F/Y will be issued in advance

Mahindra Finance Ltd CRISIL "FAAA" Cum 10000*1000 Half

Yrly-25,000 Qty-50,00018M-9.00 8.50 10.00 36M-10.50

48-60M-10.00

0.25% p.a for Sr. Citizen/Employee. Renewal only principal amount.

Interest Compounded Annually

Mukand Ltd 25000*1000.

Qtly 50000- 9.00 9.50 11.00 0.25% p.a. additional for Share Holders

Interest Compounded Monthly

Neesa Leisure Limited 25000*1000 11.00 11.25 11.75 12.00 0.50% p.a for Sr.Citizen/Emp & investment amount to or above 5 Lakhs

Interest Compounded Quarterly, Post Dated Principal Cheque will be issued in advance

Parsvnath Developers Ltd 15000*1000 10.00 11.50 11.75 12.00 0.50% p.a for Sr.Citizen(Age-65) / Emp & Sh. Holder. Min 100 shares

Interest Compounded Quarterly

SHRIRAM UNNATI CRISIL"FAA" &

ICRA "MAA"

25000*1000 48&60M-

10.75

9.25 9.75 10.75 Interest Compounded Annually.

Unitech Limited 10000*1000 11.00 11.00 11.50 12.00 0.50% p.a for sh. Holder (100 Shares)/Emp/Sr.citizen (60years)/Property owner, Interest Compounded

Monthly

United Spirits ICRA "MA-" 25000*1000 - 11.00 11.50 - Interest Compounded Quarterly


Rate Of Interest - Fixed Income ( July to September 2011)

FOCUSED FIXED DEPOSITS SCHEMESCOMPANY RATING Min. Deposit

Amount

INTEREST RATE REMARKS

ROI structure may revise without prior notice. Its advisable to consult Branch before deposit of application.

New

Scheme

10.00%10.25%9.50%

RR, All rights reserved

Company Profile Ansal Housing and Construction Limited – AHCL has a much diversified business portfolio within the construction space and possesses a Pan India presence. It is involved not only in building residential colonies but it also takes up the construction of power plants, expressways, highways, railway viaducts, cellular grain silos and irrigation projects. Ansal Housing and Construction Limited aims to create a landmark and become the most reliable company in the real estate industry in India as well as around the world. With an annual turnover of over Rs. 200 crores, this real estate giant has now ventured into commercial complexes and shopping malls along with townships and even farmlands.

Industry Overview Housing and construction industry of India is growing at a tremendous speed. Number of housing development companies and builders are coming up and investing in residential property. The construction industry is an essential contributor to the process of development. Roads, dams, irrigation works, school, house, hospitals, factories and other construction works are the physical foundation on which development efforts and improving living standards are established. Going forward we shall see tremendous contribution from the construction segment towards the development of the infrastructure in India showing great growth prospects for the industry where the company operates. Outlook The prices of residential premises have to be kept moderate to avoid the risk of low volumes. With the resumption in hiring in key sectors like IT/ITES and financial services demand for commercial spaces is likely to improve in H210. With the downturn in the economy many Mall Projects were either postponed or shifted to residential/commercial property. The improvement in Mall Projects will happen comparatively over a longer time span.

PARTICULAR FY’10 FY’09 Revenue 307.96 330.54 Revenue Growth (%) -6.83 -11.83 EBITDA 56.88 57.19 EBITDA Margins (%) 26.63 23.11 PAT 24.93 17.91 PAT Margins (%) 8.09 5.42 EPS (Rs) 13.49 10.19

Ansal Housing & Construction Ltd. July 05, 2011

Fixed Deposit Matrix

Scheme "A" Quarterly Income Deposit

Period Minimum Amount

(Rs.)

Rate of Interest (Per

Annum)

Yield* (Per

Annum)

6 Months 20,000/- 10.00% 10.08%

1 Year 20,000/- 11.00% 11.10%

2 Years 20,000/- 11.00% 11.10%

3 Years 20,000/- 11.50% 11.61%

* Interest compounded monthly

Scheme "B" Cumulative Income Deposit


(Rs.)

Rate of Interest (Per

Annum)

Yield (Per

Annum)

6 Months 10,000/- 10.00% 10.22%

1 Year 10,000/- 11.00% 11.57%

2 Years 10,000/- 11.00% 12.25%

3 Years 10,000/- 11.50% 13.66%

* Interest compounded monthly

Scheme "C" Monthly Income Deposit


(Rs.) Rate of Interest

(Per Annum)

6 Months 20000 10.00%

1 Year 20000 11.00%

2 Years 20000 11.00%

3 Years 20000 11.50%

Highlights:

• Deposits will be accepted in multiples of Rs. 1,000/- subject to minimum amount mentioned under each scheme.

• Post dated interest warrants in advance for each Financial Year.

Who can Apply

• Resident Individual • Shareholders/Employee • Domestic Company

How to Apply

• Cheque(s)/ Draft(s) must be drawn on any scheduled Bank favouring "ANSAL HOUSING AND CONSTRUCTION LTD."

Note: • No tax shall be deducted if the total amount

of interest payable/ credited does not exceed Rs.5,000/-


Company Profile Avon Corporation, is an ISO 9001:2000 certified company established in 1999. It handles high end products for body composition analyzers & blood pressure monitors and also for precision and reliability dealing in Laboratory balances, industrial balances, test weights and DKD calibration. During its first year of operations Avon Enterprises was engaged in the dealership of Sartorius (Germany) range of weighing balances mainly used in Diamond industries. Sartorius is one of the largest manufacturers of various kinds of electronic weighing balances/systems in the world. Avon Corporation Limited was conferred with 'Excellence Award' & for excellence in Productivity, Quality, Innovation Management. Mr. Pankaj Saraiya MD of Avon Corporation Ltd, has awarded for the `Udyog Rattan Award' for outstanding performance in the field of Industrial development of the country presented by Hon'ble Governor of Sikkim, Mr. B.P. Singh in presence of dignitaries such as Dr. Bhisma Narain Singh, Former Governor of Tamil Nadu and Assam & Shri G.V.G. Krishnamurty, Former Election Commissioner. Business Overview Industry Structure and Developments: The Company enter into the economical arrangements and daily concerns of every family. They are necessary to every occupation to human industry. The demand for weighing scales is expected to increase considering growth of user industries viz. diversified with different kinds of software related to various industries like Healthcare, Pharma, Government, Retail, Gyms, Jewellery etc. There are a number of players in the Industry.. Therefore, the Markets & Capacities are fragmented in the Country. Opportunities and Threats: The growth of the industry allows the necessary opportunities for the Company to grow. The Company believes that commitment and reliability in dealings with customers are primary pre-requisites for successful and sustained business relationship. This principle controls all aspects of the Company's approach to its customers. The Company shall endeavour to provide value for money by maintaining consistency, quality and reliability. The Company's opportunities lie in the adequate demand for the Weighing scales which has utilizations in various industries Healthcare, Pharma, Government, Retail, Gyms, Jewellery, etc. Stringent norms and regulations could bring new complexities and cost increase forthe industry, impacting the Company's business. Performance The year gone by was a year full of achievements forthe Company. The Company has improved its performance significantly in the previous year. It has gained the ability to have revenue streams from a number of industry sectors as well as retail sectors. The demand has augmented mainly due to amortization of manufacturing, procurement and sales system. The Company has launched various products with superior technology in the Market.

Financial Performance

Particulars (Rs Cr) FY’10 FY’09 Revenue 116.64 73.59 Revenue Growth (%) 58.49 48.77 EBITDA 15.14 6.22 EBITDA Margins (%) 14.26 14.55 PAT 11.39 7.00 PAT Margins (%) 9.77 9.51 EPS (Rs) 1.76 4.22

Avon Corporation Limited July 02, 2011

Fixed Deposit Matrix Scheme A – Non Cumulative Deposit

Period Minimum Deposit

Interest Rate* (p.a)

1 5000 10.75% 2 5000 11.25% 3 5000 11.75%

*Interest payable quarterly Scheme B – Cumulative Deposit

Yield**

Period

Minimum Deposit

(Rs.) Interest

Rate (p.a) (p.a.)

1 5000 11.00% 11.46%

2 5000 11.50% 12.73%

3 5000 12.00% 14.19% **Interest Compounded quarterly Highlights:

• 0.50% Extra for Shareholder, (No Minimum Limit) and Senior Citizen.

• Deposits will be accepted only from

Resident Individuals in multiples of Rs. 1000, subject to a minimum of Rs. 5000.

• Corporate Cap is Rs. 10 Crore only.

Who can Apply

• Resident Individual • Registered Trust • Shareholders • Employees • Domestic Company • HUF

How to Apply

• Payment should be made by means of Account Payee Cheque/ demand draft payable at Mumbai to ‘Avon Corporation Ltd - FD’.

Note:

• TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be levied if a duly filled Form 15 G/H is submitted.

• Interest on deposits (Non- Cumulative) will

be paid on 1st Jan., 1st Apr., 1st Jul., & 1st Oct.


Company Profile Birla Power Solutions (BPSL) was established in April1984 in collaboration with globally renowned Yamaha Motor Company, Japan, by the dynamic visionary late Ashok Birla. The company has many a firsts to its credit. It was the first company to manufacture portable generators in India in 1986. The company has the expertise of manufacturing 2-stroke as well as 4-stroke engines. The company is presently producing a wide range of generators catering to the power requirements of 500W to 40KW being fuelled by variety of fuel options like kerosene, petrol, diesel, LPG, CNG, biogas, etc. It was the first company to roll out self-start gensets and became the first company to launch emission compliant generators under the brand name -- Birla Ecogen -- once again taking a step ahead, to launch low-noise gensets, complying with phase-II noise norms and entering a new era of silent technology gensets. BPSL is committed to provide total power solution depending upon the customer's needs by manufacturing portable generators, inverters, home UPS. To provide complete power solution to its esteemed customers under one roof, the company has recently started opening power shopee across the country. Business Overview • To support the farming community, it includes water pumps

and multi purpose engines and its application products such as power sprayers and needle vibrators and lawn mowers, under the brand name 'Ecoshakti'. The company also has plans to increase its range of pumpsets and sprayers in the lower power range.

• The company exports a significant percentage of its production to various countries around the globe. Both generators as well as multi purpose engines are gaining increasing acceptance in the African sub-continent, Middle East and Far East countries. Its products are sold in competition with known and renowned international brand names.

• The company has 550 employees, out of which around 200 are skilled workmen. Most of them are ITI educated, and the work culture at the factory is very cordial. There has been no loss of production due to Industrial issues for the last three years as all employees at all levels are partners in progress.

• The company has acquired the stake of Yamaha Motor Company Japan. BPSL has become one of the few Indian companies to buy out the equity of its MNC partner


Particulars (Rs Cr) 2010 2009 Revenue 242.23 226.54 Revenue Growth (%) 6.93 -3.89 EBITDA 20.75 22.64 EBITDA Margins (%) 10.14 11.06 PAT 2.02 4.08 PAT Margins (%) .83 1.74 EPS (Rs) .03 .96

Birla Power Solutions Ltd. July 05, 2011



Revised Interest* Rate

1 Year 10,000 10.50% 2 Year 10,000 11.00%

3 Year 10,000 11.50% *Interest payable half yearly. Scheme B – Cumulative Deposit

Minimum Deposit

Effective Yield**

Period

(Rs.)

Maturity Value (Rs.)

Revised Interest

Rate (P.A.)

(P.A.)

1 Year 10,000 11,078 10.50% 10.78% 2 Year 10,000 12,388 11.00% 11.94% 3 Year 10,000 13,986 11.50% 13.29%

**Interest compounded half yearly and payable on maturity. Highlights:

• 0.50% Extra only for Shareholder. • 0.25% extra for amount to or above 1 Lac.

• Minimum Investment – Rs.10000 in multiples

of Rs. 1000 thereafter.

• Post Dated Interest Warrants for each financial year will be dispatched in advance

How to Apply

• Payment should be made by means of Account

Payee Cheque/ demand draft made payable to ‘Birla Power Solutions Ltd’ payable at centers where the application is submitted.

Note:


• Pan Card Compulsory

RR, All rights reserved Page 1 of 3

Company Profile DHFL is a housing finance company that has taken the road less travelled. The journey began on the 11th of April 1984. Over 25 years have passed since the company’s inception, today DHFL arguably stands strong as the third largest housing finance company & the second largest housing finance company in the private sector, and is still profitably doing what its Founder intended it to do. DHFL has also a tie – up leading Public Sector Banks such as Punjab & Sind Bank, United Bank of India , Central Bank of India to provide home loans to customers through a Joint Venture. DHFL has also setup up its representative offices at London & Dubai to serve the increasing NRI population in these regions. It has also tied – up with UAE Exchange to offer its home loan products through the various UAE Exchange centers in the GEC countries.

Business Analysis Strong Asset Quality Company has maintained high quality loan and investment portfolios through careful targeting of the Company's customer base, a comprehensive risk assessment process and diligent risk monitoring and remediation procedures. Focus on high earnings growth coupled with low volatility The Company's profit after tax has grown at 2 year CAGR of 51.60% during the two year period ending 31st March, 2011 .The Company intends to maintain its focus on steady earnings growth through conservative risk management techniques and low cost funding. Expanding network and connectivity DHFL plans to expand its operations across India in a phased manner in order to increase its share of the housing finance business by tapping under served segments of the Indian economy.

Industry Overview India continues to be one of the fastest growing real estate markets in the world. It is not only attracting domestic real estate developers but also foreign investors; particularly, NRI investments in India have a bulk of their share in the Indian housing market. The housing construction industry is poised for double-digit growth in the backdrop of large population base, rising income level and rapid urbanization. Presently, the affordable housing is basically targeting at economically weaker class and low income groups and constitutes majority of the Indian housing industry, both in terms of value and volume. However, medium housing segment is also witnessing tremendous growth, especially in Tier-1 and Tier-2 cities.


DESCRIPTION Mar-09 Mar-10 Mar-11

Net Sales (Rs Cr) 668.29 932.67 1366.2

Sales Growth (%) NA 39.60% 46.50%

EBIDTA (Rs Cr) 617.55 872.87 1272.44

EBIDTA Margins (%)

92.40% 93.60% 93.10%

PAT (Rs Cr) 91.77 150.69 265.13

PAT Margins (%) 0.14 0.16 0.19

EPS (Rs) 14.25 19.78 26.43

Dewan Housing Finance Corporation Ltd. August 20, 2011


Page 2 of 3

Product Note

DHFL FIXED DEPOSIT SCHEMES & RATE OF INTEREST Effective from 8th August ' 11

CUMULATIVE SCHEME R.O.I ( % ) p.a

GENERAL PRIVILEGE

SCHEME < 25 lakhs

25L & Above

< 25 lakhs

25L& Above

INVESTORS

Aashray Deposit 36 months

11.00 11.50

Aashray Deposit Plus 400 Days

10.75 11.00 11.25 11.50

Aashray Deposit Plus 12-84 Months

10.50 10.75 11.00 11.25

Individuals / Minor / NRI / HUF / Trusts / Clubs / Societies / Association / Public/ Pvt. Companies /

Proprietors/Partnership firms / Co-operative Societies / Co-op Banks /

Swayamsiddha 500 Days for Women

10.50 11.00 1st Depositor Should be women

< 1 Crore 1Cr.& above Aashray Deposit 365

Days for Trusts 11.00 11.25

N. A. Exclusive for Trusts / Societies / Clubs /

Associations

NON CUMULATIVE SCHEME R.O.I ( % ) p.a

< 25 lakhs 25 lakhs & above GENERAL

Yearly Half

Yearly Quarterly Monthly Yearly

Half Yearly

Quarterly Monthly


11.00 10.70 10.55 10.45 11.00 10.70 10.55 10.45

Aashray Deposit 400 Days

11.01 10.75 10.62 10.54 11.26 11.00 10.87 10.79

Aashray Deposit12-84 Months

10.75 10.50 10.38 10.30 11.00 10.75 10.63 10.55


10.75 10.50 10.38 10.30 10.75 10.50 10.38 10.30

PRIVILEGE ( Sr.Citizens above 60 yrs, DHFL Shareholders, DHFL H.L Customers, Armed forces Personnel &

Widows )


11.50 11.20 11.05 10.95 11.50 11.20 11.05 10.95

Aashray Deposit 400 Days

11.51 11.25 11.12 11.04 11.76 11.50 11.37 11.29

Aashray Deposit12-84 Months

11.25 11.00 10.88 10.80 11.50 11.25 11.13 11.05


11.25 11.00 10.88 10.80 11.25 11.00 10.88 10.80

< 1 Crore 1 Crore & above Aashray Deposit 365 Days for Trusts 11.28 11.00 10.86 10.78 11.53 11.25 11.11 11.03

Highlights

• RATING: - CARE AA+ (FD) (Indicates High Quality by all Standards & High Investment Safety & BWR FAAA (Indicates

Excellent Credit Quality).

• Rs. 1 iakh Free Accidental Death Insurance for all Depositors.

• 0.50 % Extra for Privilege Customers.

• Interest Payments through ECS (Monthly, Quarterly, Half Yearly & Yearly).

• Trust Deposits Will be eligible for Tax Exemption under Section 11 (5) (ix) of income Tax Act, 1961.

• Interests are Half Yearly Compounded except Aashray Deposit 36 Months Scheme which is Annually Compounded.

• Payment should be made by means of Crossed Account Payee Cheque / Demand Draft made payable to “Dewan

Housing Finance Corporation Ltd.” Cheque along with application form to be submitted to nearest RR Branch.

• TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be levied if a duly

filled Form 15 G/H is submitted.

• KYC Norms are mandatory.


Company Profile Ind-Swift Laboratories is a part of the Ind-swift Group and is based at Chandigarh, India. It has been promoted by Ind-Swift Limited in a joint venture with the Punjab State Industrial Development Corporation Limited (PSIDC). The group has established a strong reputation as innovators in the Indian pharmaceutical industry. Ind-Swift Laboratories Ltd. went public in 1997 and concentrated on the manufacturing of Active Pharmaceutical Ingredients (API). Its strength in organic synthetic chemistry resulted in the company emerging as the pioneer for a number of products both in the national and international markets. As the company built up vast skills in the area of research and development, quality systems as well as matters relating to regulatory compliance, it began establishing a presence in the highly regulated markets of the world. Over a short period of time, Ind-Swift Laboratories Ltd. has emerged as a respectable and dependable supplier of Bulk-Actives in more than 40 countries. Global Presence Ind-Swift Laboratories Ltd. is well placed in both developed and emerging markets. As a team company has been geared up to make Ind-Swift Laboratories a company which gets recognition as a front runner in the Global Pharmaceutical industry. The company has its own subsidiary in the US and marketing offices in London, Shanghai, Mumbai, Delhi, and Dubai. Strict Quality Control Equipped with state-of-the-art quality testing equipment and well trained personnel, Ind-Swift maintains strict quality control, storage to delivery in accordance with GMP and ISO 9002. Quality of products meets the respective requirement of USP/BP/EP/JP etc., as per the international quality standards. Future Plans The Company is planning to enter the regulated markets like USA, EU, Australia, and New Zealand, the company is focusing on getting its manufacturing plant approved by regulatory agencies like USFDA, TGA and MCA.



Ind –Swift Lab. Ltd. July 05, 2011



Interest Rate* (p.a)

1 10000 11.00% 2 10000 11.50% 3 10000 12.00%

*Interest Payable Quarterly

Scheme B – Cumulative Deposit

Yield**

Period

Minimum Deposit

(Rs.) Interest

Rate (p.a) (p.a.)

1 10000 11.00% 11.46%

2 10000 11.50% 12.72%

3 10000 12.00% 14.16% ** Interest Compunded Quarterly Highlights:

• Minimum amount of deposit to be accepted is 10,000/- and in multiple of 1,000/- thereafter.

• Post-dated Principal Cheque/repayment

warrants will be issued in advance. • An additional interest @ 0.50% p.a. to be

provided to employees, senior Citizens ( 60 years & above ) & Shareholder(min100 shares)

• Pan Card Mandatory.

Who can Apply

• Resident Individual • Shareholders • Domestic Company

How to Apply

• Payment should be made by means of Account Payee Cheque/ demand draft made payable to Ind-Swift Laboratories Ltd - Fixed Deposit Account’ payable at centers where the application is submitted.

Note:



Company Profile

Jaiprakash Associates Ltd. (JAL), the flagship company of the Jaypee Group, was incorporated in 1996. In 2003 JAL was formed due to merger of Jaiprakash Industries (JIL) and Jaiprakash Cement (JCL). The company is currently executing various projects in hydropower/irrigation /other infrastructure fields and has had the distinction of executing simultaneously 13 hydropower projects spread over six states and the neighboring country Bhutan for generating 10,290 MW of power. JAL is the engineering and construction arm of the Jaypee group focused on development of river valley and hydro electric projects and a leader in construction of river valley and hydropower projects on turnkey basis for more than four decades. Shri. Jaiprakash Gaur, the founding father of Jaiprakash Associates Limited, after acquiring a Diploma in civil engineering in 1950 from the University of Roorkee, had a stint with government of UP and with steadfast determination to contribute in nation building, branched off on his own, to start as a civil contractor in 1958. Business Overview

• The Jaypee Group is a Rs 6,500 crore well diversified infrastructural industrial conglomerate in India. Over the decades it has maintained its salience with leadership in its chosen line of businesses.

• The engineering and construction wing of the Group is an acknowledged leader in the construction of multi-purpose river valley and hydropower projects. It has had the unique distinction of executing simultaneously 13 hydropower projects spread over 6 states and the neighboring country Bhutan for generating 10,290 MW of power.

• The 900 MW Baglihar (Stage-I and II) hydroelectric project in Jammu & Kashmir, in the challenging environment of the State with 22 million cubic meters of concrete, has been the largest EPC project executed in the country in hydropower sector, so far.

• The group has been assigned “CR1” grade by ICRA Ltd indicating very “Strong Contract Execution Capacity with best prospects of timely completion of projects without cost overruns etc. for projects with average value of Rs.2500 crores.” It is the only group in India, which pre-qualifies on its own for the bidding of various projects that are awarded in the country.


Particulars (Rs Cr) 2010 2009 Revenue 6525.55 4799.20 Revenue Growth (%) 35.97 14.24 EBITDA 2292.96 1867.66 EBITDA Margins (%) 55.85 40.20 PAT 1181.84 512.57 PAT Margins (%) 17.05 9.98 EPS (Rs) 5.27 3.55

Jaiprakash Associates Ltd. July 05, 2011

Fixed Deposit Matrix Non – Cumulative Deposit

Quarterly Income Plan


ROI (% p.a.)

Yield (% p.a.)

1 Year 20,000 10.50 10.59

2 Years 20,000 11.00 11.10

3 Years 20,000 11.50 11.61 Cumulative Deposit

Cumulative Deposit Plan


ROI ( % p.a.)

Maturity Value

Yield (% p.a.)

6 Mths 20,000 10.50 21,050 10.50

1 Year 20,000 10.50 22,204 11.02

2 Years 20,000 11.00 24,897 12.24

3 Years 20,000 11.50 28,193 13.66 Highlights:

• Minimum amount of deposit to be accepted is 20,000/- and in multiple of 1,000/- thereafter.

• Interest on Quarterly Income Plan is

compounded monthly and payable quarterly & in Cumulative Income Plan interest is compounded monthly and payable at maturity.

• Facility of repayment through ECS.

Who can Apply

• Resident Individual • Trust • Shareholder • Employee • HUF

How to Apply

• Payment should be made by means of Account Payee Cheque/ demand draft made payable to ‘Jaiprakash Associates Ltd – Fixed Deposit Account’ payable at centers where the application is submitted.

Note:


• Pan Card Mandatory

1

FIXED DEPOSIT CHART

For General Public

Scheme A – Non Cumulative Deposit Scheme B – Cumulative Deposit

Period

Interest

Rate

p.a.(Half

Yearly)

Interest

Rate p.a.

(Quarterly)

Interest

Rate

p.a.(yearly)

Period

Minimum

Deposit

(Rs.)

Interest

Rate

(p.a.)

Maturity

Value

(Rs.)

Yield

(p.a.)

12M 9.25% 9.15% 9.50% 12M 10000 9.50% 10950 9.50%

24M 10.00% 9.90% 10.25% 18M 10000 10.00% 11550 10.33%

36M 10.25% 10.15% 10.50% 24M 10000 10.25% 12155 10.78%

48,60M 9.75% 9.65% 10.00% 36M 10000 10.50% 13492 11.64%

48M 10000 10.00% 14641 11.60% Minimum

Deposit(Rs.) 25000 50000 10000

60M 10000 10.00% 16105 12.21%

For Senior Citizens (60 yrs & above)

Scheme A – Non Cumulative Deposit Scheme B – Cumulative Deposit

Period

Interest

Rate

p.a.(Half

Yearly)

Interest

Rate p.a. (Quarterly)

Interest

Rate

p.a.(yearly)

Period

Minimum

Deposit

(Rs.)

Interest

Rate

(p.a.)

Maturity

Value

(Rs.)

Yield

(p.a.)

12M 9.50% 9.40% 9.75% 12M 10000 9.75% 10975 9.75%

24M 10.25% 10.15% 10.50% 18M 10000 10.25% 11576 10.51%

36M 10.50% 10.40% 10.75% 24M 10000 10.50% 12210 11.05%

48,60M 10.00% 9.90% 10.25% 36M 10000 10.75% 13584 11.95%

48M 10000 10.25% 14775 11.94% Minimum

Deposit(Rs.) 25000 50000 10000

60M 10000 10.25% 16289 12.58%

Notes:

• 0.25% Extra for Senior Citizens & Employees of the company.

• Interest Compounded Annually.

• Interest Payment Quarterly on 30th June, 30th September, 31st December and 31st March only

through ECS/NECS/NEFT.

• Under Cumulative Scheme minimum amount of deposit to be accepted is 10,000/- . Under Non

Cumulative Scheme minimum amount Rs.25000/- for half yearly scheme & Rs. 50000/- for Quarterly

scheme to be accepted.

• Additional in multiple of 1,000/- to be accepted thereafter.

• KYC Norms (Pan card copy and Address Proof) are mandatory in case of new investor.

• TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be

deducted if a duly filled Form 15 G/H is submitted.

Mahindra & Mahindra Financial Services Limited

2

Who can Apply:

• Resident Individual

• Minors through their Guardians

• Domestic Company

• HUF

• *NRI can invest through NRO Account

*Documents require for NRI investment are Pan Card copy , Address Proof (Indian Origin) and Cancelled Cheque.

Payment of interest :

Interest on Deposit (Non Cumulative) will be paid on 30th September and 31st March under Half

Yearly scheme and on 30th September, 31st December, 31st March and 30th June under quarterly

scheme. In case of interest payment for part period the same will be made on pro-rata basis.

However, if a Deposit is made within a period of 30 days prior to any of the interest payment date,

the interest for the part period will be paid on the next interest payment date. Payment of interest

will be made through National Electronic Clearing Services (NECS) in respect of the places where

such facility has been offered by the company or through interest warrant incase of NECS rejected

cases. PDC s will not be issued.

Banking Details:

• Payment should be made by means of Account Payee Cheque/ demand draft made payable to

‘MMFSL-Fixed Deposit’ payable at Designated HDFC Bank Branches where the application is submitted.

• Outstation cheques/drafts will not be accepted.

Stamp on Application Form:

RR Investors Retail Services Pvt. Ltd.

Loan on Deposit:

Loans may be granted against public deposits upto 75% of the Deposit amount carrying interest @

2% per annum (at half yearly rests) above the interest rate and any other additional charges as

applicable on such deposits, provided such deposits has run for a minimum period of three months.

The outstanding loan together with interest shall be settled in one lump sum by the Depositor or

shall be adjusted on maturity of the Deposit. However, the granting of loan will be at the sole

discretion of the Company.

Premature Withdrawal:

As per the directions of the Reserve Bank of India currently in force, the deposit shall not be repaid

before the expiry of 3 months from the date of deposit. In case of premature withdrawal after 3

months, interest shall be paid at the following rates:-

• After 3 months but before expiry of 6 months - No interest

• After expiry of 6 months but before the date of maturity - 3% below the contracted rate


Company Profile Mukand Iron & Steel Works Limited, re-christened ‘Mukand Ltd.' on and from March 23, 1989, was registered on November 29, 1937. The Company then operated re-rolling mills and foundry in Lahore and at Reay Road, Bombay. Two years later, Lala Mukand Lal who had the controlling interest in the Company and had been doing constructive social work under the guidance of Mahatma Gandhi, expressed his desire to leave the Company. Mukand Ltd is part of the Bajaj Groups of companies, one of the most dynamic business groups in India, Bajaj Auto Ltd being the flagship company of the group. The group has substantial manufacturing and marketing interests in diverse fields including scooters, motorcycles and three-wheeler vehicles, electrical appliances etc. Business Overview The Company has in place proper and adequate systems for internal controls that provide assurances on the efficiency of operations, security of assets, statutory compliances, appropriate authorization, reporting and recording of transactions. The management audit department of the Company prepares regular reports on the review of the systems and procedures. Business Area

Steel Under this, it manufactures a wide range of steel and alloy products such as wire rods, rolled products, round bars, hexagons, round corners squares, bright bars, cold finished wires and cast for booms and billets.

Machinery Under this Mukand manufactures electric overhead travelling (EOT) cranes, electrical level luffing crane, gantry crane, container handling crane, bulk material handling and equipment, process plant equipment.

Turnkey projects This division undertakes several projects for various organisation such as a 40 metre high mobile service structure for assembly of augmented satellite launching vehicle (ASLV) for Indian Space Research Organization (ISRO); An anode handling and rodding plant for National Aluminium Company are among several others projects.

Road construction The company undertook construction of two highway projects namely Ashapur-Khaga and Handia-Rajatalao funded by the World Bank.


Particulars (Rs Cr) 2010 2009 Revenue 1987.55 1931.72 Revenue Growth (%) 2.89 -.58 EBITDA 1729.48 1957.58 EBITDA Margins (%) 16.50 2.90 PAT 56.41 -146.10 PAT Margins (%) 2.63 -9.42 EPS (Rs) 8.14 -19.78

Mukand Limited July 05, 2011

Fixed Deposit Matrix- Scheme-A Non-Cumulative Deposit

Period Minimum

Deposit (Rs.) I nterest Rate

(p.a)

1 Year 50,000 9.00%

2 Year 50,000 9.50%

3 Year 50,000 11.00%

Scheme-B Cumulative Deposit

Yield** Period

Minimum

Deposit (Rs.)

Interest Rate (p.a)

Maturity Value (Rs.) (p.a.)

1 Year 25000 9.00% 27,345 9.38% 2 Year 25000 9.50% 30,209 10.41% 3 Year 25000 11.00% 34,722 12.96%

Highlights:

• 0.25 % P.A. additional interest for shareholders.

• Minimum Deposit Amount is Rs 50,000/- for

Quarterly Scheme and Rs 25,000/- for Cumulative Scheme. Additional amounts in multiples of Rs. 1,000/- under both the Schemes.

• Option available on single deposit of Rs.1

Lakh and above to receive interest on a monthly basis.

Who can Apply-

• Resident Individual • Minors (through Natural Guardians) • Societies

• Trusts

• HUFs

How to Apply-

• The cheque / Demand Drafts should be made payable to “"Mukand Ltd." payable at

Mumbai . Note:


RR, All rights reserved 3

Company Profile Neesa Leisure Ltd. is a company based in Gandhinagar, Gujarat. Its flagship brand Cambay was established in 2005. It is a closely held public limited company. It is into hotels, resorts, spas, clubs, golf, and time-share and hospitality education. The journey of NLL started with a modest 20 room resort at Gandhinagar in 2005. The continuous acquisition of land from Government bodies and successful implementation of projects has brought NLL to the stage today where it can boast of 700 rooms. NLL projects entail a capex of over Rs.5000 million that includes existing and under construction projects. Neesa Group which has presence in various industry segments such as hospitality and leisure, construction and development of hotel properties, education, metal casting, information technology, agri biotechnology and food processing. The company is an integrated hospitality company in the business of owning, operating and managing hotels and resorts, providing club and vacation ownership services and hospitality education. NLL envisions to become one of the top three players in Timeshare industry within three years and to offer 1150 rooms by the year 2011. Industry Overview With India growing as one of the key emerging markets in the hospitality industry, many hotels and holiday homes have started revamping and reinventing their business strategies to woo the customers. Factors such as pricing, locations, services and other things matter for a customer to select between a hotel and a holiday home. When the holidaying concept took off, many preferred timeshare to hotel. The reason was simple. They want to be away from home but in a home-like atmosphere. Business Overview

• The company is an emerging player in hospitality and leisure business with properties at or near key business and leisure destinations.

• The strategic location of the properties being close to cities,

providing an added advantage of offering 'Business cum Leisure' services to MICE customers and FIT. With significant presence in key business and leisure destinations in Gujarat and Rajasthan it is now intended to establish the presence in other emerging business destinations.

• It has added a new stream of revenue to it business model by

setting up education institutes under the brand 'Cambay Institute of Hospitality Management' (CIHM) at Gandhinagar, Jaipur (Kukas) and Udaipur with necessary infrastructure for training students intending to make a career in the hospitality industry.



Neesa Leisure Limited July 05, 2011

Fixed Deposit Matrix- Scheme-A Non-Cumulative Deposit

Period Minimum

Deposit (Rs.) Interest Rate

(p.a)

6 Months 25,000 11.00%

1 Year 25,000 11.25%

2 Year 25,000 11.75%

3 Year 25,000 12.00%

Scheme-B Cumulative Deposit

Yield** Period

Minimum

Deposit (Rs.)

Interest Rate (p.a)

Maturity Value (Rs.) (p.a.)

6 Months 25000 11.00% 26,394 11.46% 1 Year 25000 11.25% 27,933 11.73% 2 Year 25000 11.75% 31,516 13.03% 3 Year 25000 12.00% 35,644 14.19%

Highlights:

• Minimum deposit amount is Rs. 25,000 only. • Additional amount will be accepted in

multiples of Rs. 1000 only

• Nomination facility is available. • Interest to be calculated from the date of

encashment of cheque / Demand Draft by Neesa Leisure Ltd.

• 0.50% additional for Senior Citizen,

Employees and investments amounting to or above Rs.5 lakhs.

Who can Apply-

• Resident Individual • Minors (through Natural Guardians) • Association of Persons

• Societies

• Trusts

• Domestic Company • HUFs

How to Apply-

• The cheque / Demand Drafts should be made payable to “Neesa Leisure Limited-Fixed Deposit Collection Account” .

Note:


• Post dated Interest Warrants for each

financial year will be dispatched in advance


Company Profile Parsvnath Developers is one of India’s leading real estate developers founded by Pradeep Kumar Jain. The company has an experience of more than two decades in offering state-of-the-art development and construction. The company was incorporated on July 24, 1990 under the Companies Act, 1956 as ‘Parsvnath Developers Limited’ and obtained the Certificate of Commencement of Business on November 20, 1990. Over the past two decades, the company has emerged as one of the most progressive and multi-faceted real estate and construction entities in the country. Through the years, Parsvnath have stayed true to its commitment to `building a better world’ by transforming barren tracts into landscaped green belts housing world class commercial, residential and recreational properties. Business Analysis With a pan-India presence in over 51 cities in 18 states, it is steadfastly focused on continuing to create and build dreamscapes that transform lives and the world around us – be it through contemporary residential spaces, state-of-the-art office complexes, luxurious shopping malls and hypermarkets, posh hotels, futuristic multiplexes, and ultra modern IT Parks and special economic zones. They are one of the most diversified and widespread real estate developers in India with 114 ongoing projects spread over a developable area of over 211.32 million square feet across all real estate verticals. The company is passionate about providing cost-effective and holistic solutions to customers while creating and adding value to the partners and stakeholders. The company’s project ranges from hotels, residential townships, metro malls, retail outlets, IT parks to SEZs The subsidiaries of the company are: Parsvnath Hotels, Parsvnath Assets, Parsvnath Retail, Parsvnath SEZ, Parsvnath Telecom.


Particulars (Rs Cr) FY’10 FY’09 Revenue 940.74 698.40 Revenue Growth (%) 34.70 -60.57 EBITDA 419.96 396.68 EBITDA Margins (%) 49.69 61.21 PAT 140.61 112.82 PAT Margins (%) 14.95 16.15 EPS (Rs) 6.79 6.11

Parsvnath Developers Ltd. July 05, 2011


Period

Minimum Deposit

(`) Interest Rate

(p.a) *

6M 20000 10.00%

1 year 20000 11.50%

2 year 20000 11.75%

3 year 20000 12.00% * Interest would be paid on quarterly basis. Scheme B – Cumulative Deposit

Period

Minimum Deposit

(`)

Interest Rate (p.a)

Maturity Value

(`) Yield

**(p.a.)

6M 15000 10.00% 15759 10.13%

1 year 15000 11.50% 16801 12.01%

2 year 15000 11.75% 18910 13.03%

3 year 15000 12.00% 21386 14.19% **Interest compounded quarterly on deposits of one year or more

Highlights: • An additional interest of 0.50% p.a. shall be given to

Employees of Parsvnath Group, Shareholders of the company holding minimum 100 shares, Senior Citizens above the age of 65 years.

• Deposit shall be for minimum of 20000/- for Non Cumulative Scheme & 15000/- for Cumulative Scheme & in multiples of Rs.1000/-thereafter.

• Post dated interest warrants on Deposits (Scheme A) for each financial year will be dispatched in advance along with the FDR.

Who can Apply


• Minors (through their Natural guardians)

• HUF

• Registered Societies

• Registered Trusts

• Association of Persons How to Apply:

• The Cheque/DD should be made payable to “Parsvnath Developers Limited-FD Collection A/C” & crossed Account Payee only.

• Only Cheque/DD Payable at Par at all locations of Axis Bank is acceptable.

• After banking the Cheque, the deposit slips along with application forms to be sent to HO.

• CMS Code-PDL-FD

Note: • TDS as applicable will be deducted if interest income is

more than Rs. 5,000, however no TDS will be levied if a duly filled Form 15 G/H is submitted.

RR, All rights reserved Page 1 of 5

Company Profile Shriram Transport Finance Co Ltd. is the largest asset financing NBFC with Rs. 3,608,602.63 lacs worth of assets under management. The company is a leader in organised financing of pre-owned trucks with strategic presence in 5-12 year old trucks and a market share of 2025 percent. It has a pan-India presence with a network of 68 SBUs and 488 branches, and has built a strong customer base of over 7.5 lacs. The year 2010-11 was a year of growth for the company. On account of improved macro-economic factors like improved industrial activity, agricultural growth, government spending on infrastructure, better connectivity, higher passenger movement and influx of new vehicle models, the demand for new commercial vehicles increased by 30 percent. Operational highlights Strengthening the knowledge proposition A knowledge-led culture has been the company's core strength. While the knowledge of the customer enables the company to address delinquency risk, the knowledge of the territory enables it to prudently invest into relevant markets. Product knowledge enables it to address and control the credit quality across product verticals. Expanding the product verticals The company, being the largest NBFC catering to the pre-owned commercial vehicle segment, decided to expand its product offering to cater to its existing customer profile comprising of first time users (FTUs) and small road transport operators (SRTOs). Company’s strengths:

• The pioneer in the pre-owned commercial vehicles financing sector.

• Knowledge-driven (products as well as local customers) and relationship-based business model.

• Pan-India presence with 488 branch offices all over the country.

• A well-defined and scalable organization structure, capable of supporting surging growth

• Strong financial track record driven by fast growth in AUM with low Non Performing Assets (NPAs).

• Low delinquency as assets are backed with adequate cover and are easy to repossess with immediate liquidity.

• Experienced and stable management team.

Financial Performance: During the year 2010-11, the Company's total income increased by 20.8 percent to Rs. 542,965.40 lacs as compared to Rs. 449,588.96 lacs in 2009-10. The Company's PAT also increased by 40.9 percent to Rs. 122,988.00 in 2010-11, from Rs. 87,311.74 lacs in 2009-10. The Gross NPAs and net NPAs for the year 2010-11 were 2.64 percent and 0.38 percent respectively. The Company's net spread for the year under review stood at 6.3 percent.

PARTICULAR 2011 2010 Revenue (Rs cr.) 5312.34 4399.06 Revenue Growth (%) 20.76 - EBITDA (Rs cr.) 3916.37 3483.96 EBITDA Margins (%) 77.67 81.53 PAT (Rs cr.) 1217.12 873.10 PAT Margins (%) 22.91 19.85 EPS (Rs) 53.82 38.71

SHRIRAM TRANSPORT FINANCE COMPANY LTD. July 31, 2011

Fixed Deposit Matrix

Scheme A – General category

FIXED

PERIOD Yearly %

Half Yearly %

Quarterly %

CUMUL-ATIVE

YIELD % (p.a.)

MATURITY VALUE

FOR RS. 25000/-

1 Yr 9.25 9.05 8.95 9.25 27313

2 Yr 9.75 9.52 9.41 10.23 30113

3 Yr 10.75 10.47 10.34 11.95 33960

4 Yr

10.75 10.47 10.34 12.61 37611

5 Yr 10.75 10.47 10.34 13.32 41654

Highlights:

• Minimum investment amount is Rs.25000

• Interest is compounded annually Who can Apply


• Minors (through their Natural guardians)

• HUF

• Registered Trusts

• Association of Persons How to Apply:

• The Cheque/DD should be made payable to SHRIRAM TRANSPORT FINANCE COMPANY LIMITED” & to be deposit in AXIS CMS ACCOUNT NO.STFCDEB 230010200011635.

Note:


• KYC Norms are mandatory.


Company Profile Unitech a real estate development company was established in 1971. With over three decades of experience, today it has a market capitalisation of nearly USD 6 billion. With years of experience it earned a name in delivering quality product. It is first real estate developer to received ISO 9001:2000 certification in North India. Unitech is engaged into development of residential, commercial/Information Technology (IT) parks, Retail, Amusement parks, Hotels and Special Economic Zones. Projects Unitech has an experience of developing various projects. It is developing several projects for major cities. Residential projects- It has undertaken various projects and developed them namely, Uniworld City (Mohali), Sun Breeze (Ghaziabad), Fresco (Gurgaon), Deja View park (Bangalore) are among others. Commercial Projects- It has undertaken several commercial projects for development namely Infospace (Kolkata), Signature Towers, Global Business Park, Unitech Cybercity, Unitech Business Park are among others. Retail Projects- Its retail project portfolio consists of Uniworld city (Kolkata), Greenwood Center, Gurgaon Central, garden Galleria are among others. It has successfully developed various projects like Telephone Exchange Building for MTNL (New Delhi), 5-star Radisson Hotel (New Delhi) amongst others. Milestone

• It has developed the largest mall in India at Noida with a leasable area of 1 million sq. ft.

• Unitech’s The Great India Place’ located at Noida has received award for the ‘Best Designed Mall of the Country’.

• Unitech was awarded the title of Super Brand by Super Brand India in October 2007.

• It has land reserves of nearly 14,000 acres spread across major centres of economic activity in India.

Outlook It has also forayed into wireless telecommunication business. In this 60% stake amounting to Rs 6,120 crore has been brought by Norway-based Telenor, the world's seventh largest telecom operator with a subscriber base of about 159 million,


Particulars (Rs Cr) 2010 2009 Revenue 2931.33 2889.73 Revenue Growth (%) 1.44 -29.78 EBITDA 1072.60 1626.12 EBITDA Margins (%) 39.45 70.92 PAT 694.64 1196.81 PAT Margins (%) 23.69 41.36 EPS (Rs) 2.83 7.38

Unitech Ltd. JULY 05, 2011

Fixed Deposit Matrix Scheme A – Non Cumulative Deposit Scheme


Interest Rate (p.a)

12M 25000 11.00% 24M 25000 11.50% 36M 25000 12.00%

*Interest payable quarterly Scheme B – Cumulative Deposit

Yield** Period

Minimum Deposit

(Rs.)

Interest Rate (p.a)

(p.a.)

6M 25000 11.00% 11.00 %

12M 10000 11.00% 11.57 %

24M 10000 11.50% 12.86 %

36M 10000 12.00% 14.36 %

**Interest Compounded monthly Highlights:

• Additional Interest Rate of @ 0.50% to employees, shareholder (100 shares), senior citizen (60 Years)

• Additional amount to be in the multiples of Rs.

1,000 only.

• Payment of interest would take place through NEFT facility and interest advice for first Financial Year would be furnished in advance. In case of non-availability of Bank A/c details or NEFT facility, Post Dated Cheques will be sent along with the FDR, incase of Scheme A.

Who can apply

• Resident Individual • Shareholders • Employee • Minors • Firms • Trust

How to Apply

The Cheques/Demand Drafts should be made payable to “Unitech Ltd. - Fixed Deposit A/C” and should be crossed “A/C Payee Only”. Only Demand Drafts/Cheques payable at par in Delhi NCR are acceptable. The completed application and Cheques/Demand Drafts are to be submitted through Managers office addresses.

Note:



Company Profile United Spirits Limited (formerly known as McDowell & Company Limited) comes under the aegis of UB Group, owned by Vijay Mallya. United Spirits (USL) is the largest spirits company in India and a flagship entity of $2 billion UB group. It manufactures wide range of whisky, vodka, rum and other spirits. United Spirits is among the top three spirits companies in the world and the largest in India. It has a presence in over 59 countries. The company has received recognition for its quality products from independent jury such as International Wine & Spirits Competition (UK), International Spirits Challenge (UK), World Beverage Competition (US), Monde Quality Institute (Belgium) and Mundusvini (Germany). Business Analysis

• McDowell’s No.1 Brandy continues to be the largest selling brandy in the world.

• Company believes in giving the consumer a better experience

and to this end, has constantly upgraded both the packaging and the blends of its brands.

• Sales of the company’s overseas subsidiaries viz., Whyte &

Mackay, Bouvet Ladubay and Liquidity Inc. have registered good growth in international markets as also in the Indian market where they have been launched through the USL network.

• Sales of Company’s brands grew to 100.2 Million cases, an

increase of 14% over the 88.3 mio cases of the previous fiscal.

• The Company’s human capital is now in excess of 7,000 employees, including factory workmen The HR Dept. is geared to lend its support to the effort to make the Company a ‘employer of choice’ in the Indian market place

Industry Overview

• With a large and growing number of youth coming into the legal drinking age category, the outlook for the industry is buoyant. In sharp contrast to countries like the USA and China which have an ageing population, and have passed the ‘demographic window’, India is still comparatively ‘young’ with over half the 1.2 billion population under 25 years of age.

• This Company is by far, the lead player in India with sales in excess of 100 mio cases and is currently ranked as the world’s Second largest distilled spirits marketer by volume.


Particulars (Rs Cr) FY’10 FY’09 Revenue 6362.31 5468.06 Revenue Growth (%) 20.53 28.88 EBITDA 717 389.42 EBITDA Margins (%) 9.01 9.34 PAT -23.19 -408.46 PAT Margins (%) 4.09 3.98 EPS (Rs) 29.94 29.62

United Spirits Limited July 05, 2011

Fixed Deposit Matrix Scheme – Cumulative Deposit

Cumulative Deposit Plan


ROI (p.a.)

Yield p.a.

One Year 25000 11.00% 11.46% Two Year 25000 11.50% 12.73%

Highlights:

• Minimum amount of deposit to be accepted is Rs. 25,000/- and in multiple of Rs.1, 000/- thereafter.

• Interest Compounded on quarterly

basis. Who can Apply

• Resident Individual • Trust • Domestic Company • HUF

How to Apply

• Payment should be made by means of Account Payee Cheque / demand draft made payable to ‘United Spirits Ltd’.

Note:


• Do not accept application with Cheque for

the value above Rs. 10,00,000/-

• Pan Card Mandatory.


Product Note

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Focused FD Schemes - RR Investor

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