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BATCH CODE : PGDBM NOI01AA0815Faculty Name: Mr. Rakesh Mathur.
Participants:-
Abhinay Mehrotra E14CC1020091Himanshi Singh E14CC1019243Sonakshi Singha E14CC1019207Nitish kumar E14CC1019021
RECOMMEND 3 PRODUCT WITH REASONS IN THE CURRENT INTEREST RATE SCENARIO TO AN AGGRESSIVE INVESTOR WITH A SURPLUS OF Rs. 350000.
INTRODUCTION
• MOTIVE- INVESTMENT• AMOUNT - Rs350000• RISK – HIGH (AGGRESSIVE INVESTOR)• KEY INTEREST-INTEREST/ PROFIT• IMPORTANT CONSIDERATIONS :-CRR/SLR, FUNDS &
BONDS ,RISK ISSUES• THREE PRODUCTS WE WOULD SUGGEST :-FIXED DEPOSITGILT FUNDSEQUITY
MARKET SCENARIOMACRO ECONOMIC FACTORS
Name Value
CRR(cash Reserve Ratio) 4.00% (wef 09/02/2013) -announced on 29/01/2013
SLR( Statutory Liquidity Ratio )
21.50%(w.e.f. 07/02/2015)(announced on 03/02/2015)
REPO RATE 7.25%(w.e.f. 02/06/2015)
Reverse Repo Rate 6.25%(w.e.f. 02/06/2015)
SCHEMES WE WOULD SUGGESTFIXED DEPOSITS
WHAT ARE FIXED DEPOSITS? •One time payment of investment. •For a fixed tenure (minimum 7 days to maximum 10 years.)•Usually at a rate of fixed deposit •TDS is applicable. However, interest from FD is not tax free • Income tax is to be paid on interest earned at the rate of tax slab of the FD holder.
PRIME CALCULATIONS FOR TOP FD RETURN
Name Value
Name PNB HOUSING Finance Limited
Amount Rs. 3,50,000.
Time Period 1 Year
INTEREST RATE 12.65%
TOTAL MATURED Amount Rs. 3,82,000.(inflation not accounted)
RISK Low Risk
AS ON 5-JUNE-2015
SCHEMES WE WOULD SUGGEST MUTUAL FUNDS
A mutual fund that invests in several different types of medium and long-term government securities in addition to top quality corporate debt.
Gilt funds differ from bond funds because bond funds invest in corporate bonds, government securities, and money market instruments. Gilt funds stick to high quality-low risk debt, mainly government securities.
PRIME CALCULATION FOR MUTUAL FUNDS
Name ICICI Prudential GILT MUTUAL FUNDS
Amount RS 3,50,000.
Time 1 Year
Return % 12.65%
Risk High Risk
Total amount Rs. 3,94,275
SCHEMES WE WOULD SUGGEST-EQUITY
• A stock or any other security representing an ownership interest.
• On a company's balance sheet, the amount of the funds contributed by the owners (the stockholders) plus the retained earnings (or losses)
PRIME CALCULATIONS-EQUITY
Name Oracle financial Services Limited
Amount RS 3,50,000.
Time 1 Year
Return % 24.19%
Risk High Risk
Total amount Rs. 434665.
COMPARISIONS BETWEEN 3 OPTIONS
BASIS Fixed Deposits
MUTUAL FUND Equity
SCHEME PND HOUSING FD
ICICI Prudential GILT MUTUAL FUNDS
Oracle financial Services Limited
AMOUNT (IN INR)
3,50,000 3,50,000 3,50,000
TIME 1 YEAR 1 YEAR 1 YEAR
RISK LOW MEDIUM HIGH
%INTEREST 9.15 12.65 24.19
FINAL AMOUNT 3,82,000 3,94,275 4,34,665
BIBLIOGRAPHY
• http://smartinvestor.business-standard.com• http://www.google.com• http://businesstoday.intoday.in• http://www.moneycontrol.com• http://www.indiainfoline.com• http://economictimes.indiatimes.com• http://bankbbazaar.com
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