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ECSECSECSECSECS
FinancialFinancialFinancialFinancialFinancial
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RNI NO.: APENG / 2004/12047, August 1st - 15th 2020, Vol. XII - Issue 09 - `̀̀̀̀1/-, POSTAL REGN. NO.: HQ/SD/510/2019-21
ECS CONSULTANTSEdited, Printed, Published & Owned by Elluswamy Chandrasekaran from 1-7-284/293, Office No. 309, 3rd floor, Jade Arcade, Paradise, M.G.Road, Secunderabad-03
Toll Free No. 1800 425 2969. Tel : 27845814 / 35, website: www.ecsconsultants.co.in. Printed at Sai Krishna Graphics & Printers, 3-5-242 & 243, Vittalwadi, Narayanguda, Hyderabad.
INVESTMENT NEWSEmpowering & Enabling Growth Since 1996
P.T.O
Regd.Off: & H.O.: 1-7-284/293, Office No. 309, 3rd floor, Jade Arcade, Paradise, M.G.Road, Sec’bad-03. Tel:27845814/35, www.ecsconsultants.co.in, E-mail: [email protected]
• Mutual Funds • Fixed Deposits / Small Savings • RBI Floating Rate Savings Bonds • Capital Gain Bonds (u/s 54EC) • Tax Saving Schemes • IPOs / FPOs / NCDs
• Stock Broking • Insurance (Life & Health) • Tax Free / Sovereign Gold Bonds • NPS / PAN Services • Housing / Mortgage Loans • Loan Against Shares
Note : All Information given in this investment news is true to the best of our knowledge, and we do not own any responsibility legally or otherwise for correctness of the same.Due care is taken while printing investment news. Any discrepancy or mistake found may kindly be brought to our knowledge. Before taking any investment decision, go through or
ask for risk factor. Risk Factors : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that thescheme(s) objectives will be achieved. Please refer to the offer document before investing. Insurance is the subject matter of solicitation.
Jai Hind!
A Very Happy 74th Independence Day!
Invest Rightly. Live Happily.
Team
Nippon India Multi Asset Fund NFOInvestment Objective: The primary investment objectiveof Nippon India Multi Asset Fund is to seek long termcapital growth by investing in equity and equity relatedsecurities, debt & money market instruments andExchange Traded Commodity Derivatives and Gold ETFas permitted by SEBI from time to time. However, therecan be no assurance or guarantee that the investmentobjective of the Scheme will be achieved.Allocation: Equity & Equity related securities 50% to 80%,Debt & Money Market Instruments 10% 20% andCommodities 10% to 30%.Plans & Options: a) Regular plan Growth Option, b)Dividend Payout and Reinvestment.Fund Manager: Mr. Manish Gunwani and Mr. AshutoshBhargava.Min. Amt: ̀ 5000.Benchmark: 50% of S&P BSE 500.Entry Load: Nil, Exit Load: • 1% if redeemed or switchedout on or before completion of 1year from the date ofallotment of units. • Nil, thereafter
RISK FACTORS : Mutual Fund and Securities investments are subject to market risks and there canbe no assurance or guarantee that the scheme(s) objectives will be achieved. Please refer to the offer
document before investing.
NFO Closes on 21/08/2020
Three things to keep in mind whenfiling nominations for financial assets
Be Empowered
All your efforts to secure yourfamily against financialuncertainties in case of yourdemise can come to nought ifyou don't file your nominationsproperly. Your loved ones may
Source & courtesy: Renu Yadav & Tinesh Bhasin - mint Contd in Page 3
“You must be the change you wish to see in the world.”- Mahatma Gandhi
“Common people have an appetite for food uncommonpeople have an appetite for service”
- JRD Tata
"The consistency you seek is in your mind, not in themarkets." - Mark Douglas
"A great deal of talent is lost in the world for want of a littlecourage." - Sydney Smith
"Nature’s laws affirm instead of prohibit, if you violate herlaws you are your own prosecuting attorney, judge, jury,and hangman." - Luther Burbank
Thoughtful Inspirational Quotable Quotes
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RBI Floating Rate Saving Bonds (Taxable)(7.15% p.a. for this H-ly ending 31/12/20)
LIC Pradhan Mantri Vaya Vandana Yojana -7.40% p.a. Monthly Payable
PO 5 Year Time Deposit 6.7% p.a.
PO 5 Year Sr. CitizenSavings Scheme 7.4% p.a.
PO 5 Year Monthly IncomeAccount 6.6% p.a.
PO 5 Year NationalSavings Certificate 6.8% p.a.
PO Kisan Vikas Patra 6.9% p.a.(Matures in 124 months)
Govt. Guaranteed Schemes
Please Check the Latest Interest Rates with ECSECSECSECSECS before Investing
Compiled ason 08/08/2020Attractive Fixed Deposits
Bajaj Finance Ltd. FAAA 36 7.10 7.35
HDFC Ltd FAAA/MAAA 33 6.35 6.60
LIC Housing Finance FAAA 36 6.10 6.35
Mahindra Finance FAAA 36 7.15 7.40
Name Period inmonths
Individual(%)
Sr.Citizen(%) (60+)
CreditRating
Considering the inflation and interest of the savers, therewill not be much change in RBI Floating Rate SavingsBonds. Hence, you need not have much apprehension onrate movement. It may stay or move up / down to the smallerextent. As such, do not neglect this very attractive Govt.Guaranteed Investment Opportunity.
To know more & invest, Please call you nearest ECS FinancialECS FinancialECS FinancialECS FinancialECS Financial /Toll Free: 1800 425 2969 or visit www.ecsconsultants.co.in.
7.15%p.a.Floating rate
RBI Floating RateSavings Bonds
Senior Citizens Service (60+).Any financial transactions
related assistance or queries,Please call: 1800 425 2969.
We will assist you and do the needful
To open Demat cum TradingAccount, Buy or Sell Stocks /ETF’s / NCD’s / Perpetual / TaxFree Bonds, Please visit / callyour nearest ECS FinancialECS FinancialECS FinancialECS FinancialECS Financial
or or or or or 062814 91571062814 91571062814 91571062814 91571062814 91571
15th August
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Note: As the SIP beginning dates are different from the scheme launch date, the total amount of SIP installments may not be in line from launch Date of the above mentioned schemes. if you need more details, since inception returns, please do call us
RISK FACTORS : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that the scheme(s) objectives will be achieved. Please refer to the offer document before investing.
Sl. Launch Total Investment Total Investment Total Investment Total Investment Since AmountNo. Scheme Name Da teDa teDa teDa teDa te `̀̀̀̀12,000 (1 year) `̀̀̀̀36,000 (3 years) `̀̀̀̀60,000 (5 Years) `̀̀̀̀1,20,000 (10 years) Inception Invested Since
Value & Return Value & Return Value & Return Value & Return Value & Return inception*
SIP It Up To Meet Lifetime Goals Selected SIP Performance Details as on 31/07/2020 Source & Courtesy: Morningstar
Note: The selected funds are given in alphabetical order with serial number for viewing convenience. The numbers are not indicative of priority offunds. To select the right funds suitable to your risk profile, needs & goals, kindly consult your nearest ECS Financial Team & Plan accordingly.
Selected Equity Funds - Dividend Track record & Performance at a glance
Fund NameLaunch AUM NAV as on 04/08/2020 Year wise dividends in `̀̀̀̀Sl . Return (%)Value
researchRating
Sl.No.
SinceInception
Date (` ` ` ` ` Crs.) Dividend 1 Year 3 YearsNo. 5 YearsFY
2016-17FY
2017-18 10 YearsFY
2018-19Growth
Balanced Funds Source & Courtesy: Value Research, Mutual Fund Insight
Source & Courtesy: Value Research, Mutual Fund Insight
Large & Midcap Funds Source & Courtesy: Value Research, Mutual Fund Insight
Multi Cap / Diversified Equity Funds Source & Courtesy: Value Research, Mutual Fund Insight
Balanced Advantage Funds (BAFs) / Dynamic Equity Funds (DEFs)
Mid cap Funds Source & Courtesy: Value Research, Mutual Fund Insight
Fund Name LaunchDate
AUM NAV as on 04/08/2020
(` ` ` ` ` Crs.) Dividend 1 Year
Year wise dividends in `̀̀̀̀
3 Years
S l .
No. 5 Years
Return (%)ValueresearchRating
FY2016-17
Sl.No.FY
2017-18 10 YearsFY
2018-19Growth
SinceInception
Selected Equity Linked Saving Schemes - Dividend Track record & Performance at a glance Source & Courtesy: ValueResearch, Mutual Fund Insight
1 Birla Sun Life Equity fund - Gr Aug-98 12206.12 3.21 35351.67 -1.18 66325.42 3.96 210029.20 10.78 2535263.31 21.23 2630002 DSP Equity Opportunities Fund - Gr May-00 12278.83 4.35 36154.83 0.28 67803.75 4.84 205552.55 10.38 1751217.02 16.36 2420003 Franklin India Prima Fund - Gr Dec-93 11782.49 -3.35 33235.58 -5.12 61069.42 0.70 215802.9 11.30 7099696.11 18.11 3190004 HDFC Mid-Cap Opportunities - Gr Jun-07 12228.43 3.56 33795.54 -4.06 62391.41 1.54 219343.02 11.6 413964.39 12.99 1570005 ICICI Prudential Multicap Fund-Gr Oct-94 11815.32 -2.85 33940.67 -3.79 62335.15 1.51 186667.52 8.56 3376791.3 13.39 3090006 IDFC Core Equity Fund -Gr Aug-05 12099.54 1.55 34006.54 -3.67 63175.72 2.03 173163.9 7.13 332245.44 9.82 1790007 Kotak Standard Multicap Fund - Gr Sep-09 12280.73 4.38 36733.59 1.31 69567.30 5.86 221786.41 11.81 255978.23 11.91 1300008 L&T Emerging Businesses Fund-Gr May-14 11436.35 -8.61 29290.08 -12.95 56387.26 -2.44 - - 77481.42 10.93 740009 Mirae Asset Large Cap Fund -Gr Apr-08 12456.99 7.15 37393.77 2.48 71772.34 7.1 228647.58 12.38 372075.12 13.90 14700010 Motilal Oswal Multicap 35 Fund-Gr Apr-14 12396.70 6.20 35438.72 -1.02 66767.75 4.22 - - 95845.29 15.69 7500011 Nippon India Small Cap Fund - Gr Sep-10 12445.31 6.97 33341.44 -4.92 63745.16 2.39 - - 251214.23 13.91 11800012 SBI Magnum Multicap Fund-Gr Sep-05 11880.89 -1.84 35051.51 -1.73 65544.7 3.49 206687.92 10.48 391311.25 10.71 17800013 Sundaram Small Cap Fund Feb-05 11916.28 -1.29 29888.18 -11.72 51498.46 -5.99 170004.55 6.77 415395.44 13.14 18500014 Tata Equity PE Fund -Gr Jun-04 12526.93 8.26 35449.93 -1.00 67730.39 4.79 216458.36 11.35 640468.55 17.20 193000
1 Aditya Birla SL Equity Hybrid '95 Fund Feb-95 ** 7504 112.54 698.18 14.11 18.20 8.84 -2.03 -1.63 3.79 8.78 18.32 12 Canara Robeco Equity Hybrid Fund Feb-93 ***** 3041 73.69 169.9 7.20 7.53 7.27 11.42 6.15 7.49 11.01 12.01 23 DSP Equity & Bond Fund May-99 **** 5661 20.31 158.3 2.70 2.10 2.52 7.96 4.03 6.67 9.4 13.91 34 Franklin India Equity Hybrid Fund Dec-99 *** 1319 18.46 115.97 1.75 2.31 2.00 1.35 1.1 4.35 9.38 12.59 45 HDFC Children's Gift Fund Mar-01 **** 3022 121.45 - - - - 5.95 3.58 6.84 12.12 15.25 56 ICICI Prudential Equity & Debt Fund Nov-99 *** 17615 19.09 127.23 2.10 2.88 2.48 -0.8 1.44 5.91 11.3 13.03 67 Kotak Equity Hybrid Fund Nov-99 *** 1185 14.78 24.91 1.43 1.48 1.33 4.75 1.96 5.62 8.03 13.14 78 L&T Hybrid Equity Fund Jan-11 *** 5832 18.97 26.03 1.14 1.55 0.69 4.10 1.08 5.17 - 10.6 89 Nippon India Equity Hybrid Fund Jun-05 * 4929 13.19 42.99 2.84 1.86 0.92 -14.09 -6.62 0.75 6.81 10.09 910 PGIM India Hybrid Equity Fund Jan-04 *** 106 18.30 66.71 - 1.79 1.20 2.55 0.86 2.07 5.38 12.17 1011 SBI Equity Hybrid Fund Dec-95 ***** 30192 29.48 139.13 0.60 2.80 0.84 5.22 5.49 7.08 10.59 15.27 1112 Sundaram Equity Hybrid Fund Jun-00 **** 1561 12.77 91.22 0.62 1.48 1.70 3.92 4.4 6.71 6.78 11.61 1213 Tata Hybrid Equity Fund Oct-95 ** 3233 61.29 205.16 6.30 6.35 5.18 -0.09 0.24 3.17 9.83 14.35 13
1 Aditya Birla SL Balanced Advantage Fund Apr-00 *** 2374 18.99 54.66 0.33 1.47 1.46 5.33 3.23 7.18 8.13 8.73 12 DSP Dynamic Asset Allocation Fund Feb-14 ***** 1337 10.79 16.41 - 0.52 0.45 8.11 4.95 7.08 - 7.93 23 HDFC Balanced Advantage Fund Feb-94 Unrated 35429 21.33 176.74 3.60 3.60 3.41 -7.18 -1.21 4.14 8.77 17.07 34 ICICI Prudential Balanced Advantage Fund Dec-06 **** 25409 14.05 37.07 1.80 1.14 0.89 5.66 5.12 6.92 10.76 10.11 45 Kotak Balanced Advantage Fund Aug-18 Unrated 3812 11.44 11.44 - - - 9.57 - - - 6.97 5
1 DSP Equity Opportunities Fund May-00 **** 4733 21.74 215.17 2.60 3.30 2.66 3.86 1.02 6.75 9.69 16.38 12 IDFC Core Equity Fund Aug-05 *** 2071 12.10 41.01 1.18 1.00 0.80 -1.15 -1.54 4.52 6.85 9.87 23 Invesco India Growth Opportunities Fund Aug-07 **** 2703 16.59 33.49 - 1.50 - 3.75 3.69 6.66 10.37 9.75 34 Tata Large & Mid Cap Fund Mar-93 *** 1494 32.86 204.71 2.50 2.80 0.84 2.76 3.03 5.6 9.53 11.66 4
1 Aditya Birla Sun Life Equity Fund Aug-98 *** 10175 86.69 687.27 7.70 10.30 7.19 1.45 -0.02 6.32 9.8 21.25 12 Axis Focused 25 Fund Jun-12 ***** 10399 16.12 28.44 1.30 2.00 1.59 4.6 5.44 9.03 - 13.77 23 DSP Focus Fund Jun-10 *** 1705 13.09 22.7 1.30 1.60 0.68 3.29 0.76 4.35 7.92 8.41 34 HDFC Equity Fund Jan-95 ** 18495 36.54 560.5 5.00 5.50 5.25 -11.24 -2.33 2.82 7.69 17.03 45 Invesco India Contra Fund Apr-07 ***** 4950 23.9 48.5 - 5.85 2.07 8.96 5.8 8.42 11.63 12.58 56 Kotak Standard Multicap Fund Sep-09 **** 27976 21.49 34.12 1.25 1.50 1.33 1.11 2.29 6.99 11.33 11.92 67 Motilal Oswal Multicap 35 Fund Apr-14 *** 10562 22.13 25.12 - 2.05 0.89 2.44 -0.66 6.32 - 15.82 78 Nippon India Multi Cap Fund Mar-05 * 7394 21.69 75.67 3.00 4.75 2.43 -15.34 -4.36 -0.43 8.01 14.08 89 PGIM India Diversified Equity Fund Mar-15 *** 151 12.18 14.99 0.50 1.39 0.44 19.36 5.1 6.89 - 7.75 910 SBI Magnum Multicap Fund Sep-05 **** 8290 20.28 45.29 1.90 4.40 - -3.62 0.6 5.83 9.4 10.7 1011 UTI Equity Fund May-92 **** 9750 106.02 147.95 2.80 2.80 2.92 11.1 6.28 6.8 11.13 11.85 11
1 Aditya Birla Sun Life Mid Cap Fund Oct-02 * 2046 24.98 245.28 2.80 3.91 1.93 -5.25 -6.82 1.17 8.07 19.63 12 Axis Midcap Fund Feb-11 ***** 5511 23.19 39.66 2.00 2.25 2.12 14.33 9.16 7.26 - 15.67 23 DSP Midcap Fund Nov-06 ***** 6962 18.82 57.1 2.20 2.60 2.30 12.94 2.86 7.93 12.4 13.53 34 Franklin India Prima Fund Dec-93 *** 6193 44.69 851.51 6.00 6.50 4.86 -4.08 -2.36 4.27 11.82 18.12 45 HDFC Mid-Cap Opportunities Fund Jun-07 *** 19939 22.73 50.11 2.25 3.00 2.50 1.02 -2.17 4.79 12.89 13.07 56 ICICI Prudential Midcap Fund Oct-04 ** 1614 18.48 85.51 3.65 1.35 0.88 -2.75 -2.4 2.31 9.35 14.57 67 Kotak Emerging Equity Scheme Mar-07 **** 6449 20.82 37.91 1.59 2.67 1.61 6.2 0.86 6.48 11.79 10.49 78 L&T Midcap Fund Aug-04 **** 5699 36.51 125.61 4.00 3.54 2.87 5.04 -2.03 6.2 12.01 17.14 89 Motilal Oswal Midcap 30 Fund Feb-14 ** 1467 16.45 23.03 0.48 2.00 1.77 -0.2 -3.11 1.34 - 13.82 910 Sundaram Mid Cap Fund Jul-02 ** 4896 26.42 398.06 - 4.20 2.13 -4.93 -6.22 1.4 10.29 22.67 10
1 Aditya Birla Sun Life Tax Relief 96 Mar-96 **** 10101 133.45 30.24 4.67 17.10 9.47 5.28 2.08 6.01 9.95 22.66 12 Axis Long Term Equity Fund Dec-09 ***** 20292 19.01 44.9 2.23 2.50 2.04 2.8 5.26 7.15 14.22 15.21 23 Canara Robeco Equity Tax Saver Fund Feb-09 ***** 992 24.91 68.8 1.90 2.00 1.77 11.4 6.98 7.32 10.36 14.1 34 DSP Tax Saver Fund Jan-07 **** 5789 13.26 47.08 1.65 3.38 1.80 2.23 1.75 6.91 10.55 12.11 45 Franklin India Taxshield Fund Apr-99 ** 3310 32.38 487.02 3.50 4.50 3.75 -8.46 -3.04 1.93 9.38 19.98 56 HDFC Taxsaver Fund Mar-96 * 6172 39.85 449.28 3.75 4.50 6.00 -6.61 -4.11 1.9 7.03 22.75 67 ICICI Prudential Long Term Equity Fund (Tax Saving) Aug-99 *** 5970 16.68 350.05 2.55 2.80 2.48 -2.13 2.08 4.72 9.72 18.47 78 IDFC Tax Advantage (ELSS) Fund Dec-08 *** 1920 14.75 50.54 1.24 1.30 0.85 -0.84 -1.00 3.87 9.9 14.97 89 Invesco India Tax Plan Dec-06 **** 1075 17.05 51.34 2.00 2.20 1.77 7.03 4.43 6.9 11.4 12.77 910 Kotak Tax Saver Regular Plan Nov-05 *** 1133 16.82 43.18 1.47 1.58 1.34 2.5 1.95 5.73 8.85 10.46 1011 L&T Tax Advantage Fund Feb-06 *** 2843 18.26 50.45 2.00 2.40 1.77 0.15 -0.92 4.88 8.92 11.86 1112 Mirae Asset Tax Saver Fund Dec-15 **** 3538 14.33 17.87 0.55 1.25 0.44 5.34 5.08 - - 13.44 1213 Motilal Oswal Long Term Equity Fund Jan-15 **** 1497 14.29 16.13 - 1.10 0.27 -0.54 -1.64 6.67 - 9.02 1314 PGIM India Long Term Equity Fund Dec-15 *** 304 10.81 13.9 - 3.65 0.39 1.89 1.3 - - 7.34 1415 SBI Long Term Equity Fund Mar-93 ** 6683 34.46 138.54 4.00 4.00 3.01 4.08 -0.1 3.27 8.59 15.35 1516 Sundaram Diversified Equity Fund Nov-99 ** 2071 9.67 89.82 3.00 1.50 1.59 -3.63 -3.68 2.83 7.34 14.97 1617 Tata India Tax Savings Fund Mar-96 **** 1855 51.32 17.33 9.00 10.00 8.85 -0.17 1.81 6.84 11.13 17.78 17
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end up going through a time-consuming process and a tediousprocess to claim your assets after your demise. A nominee is thesafe-keeper of the assets in case of the demise of the owner. Wetell you some of the important things to keep in mind when filing anomination.CHOOSE CAREFULLYThe nominee is only a custodian or trustee, and not the owner ofthe assets in most cases. A nominee is legally bound to transferthe assets to the legal heirs. There are many cases where legalheirs have approached courts to direct the nominee to hand overthe assets to them. Courts have often ruled that the nominee is atrustee and a custodian and it's the legal heirs who should inheritthe assets.Legally, anyone can be a nominee, but it's advisable to have closefamily members and legal heirs as nominees. "The nominee andthe legal heir should be the same person to avoid any potentialdispute," said Gautami Gavankar, executive director, trusteeshipservices, Kotak Mahindra Trusteeship Services Ltd.A nominee may also need to hold the assets indefinitely if no legalheirs claim it, says Varghese Thomas, Partner, J Sagar Associates.The law doesn't prescribe any time by which legal heirs can claimthe assets. According to lawyers, the law of limitation does notapply when someone holds the assets as a trustee.Things could be different if the nominee is also one of the legalheirs. "If other legal heirs don't act in a reasonable time, the nomineeis entitled to presume that they have relinquished their right. Theasset will exclusively belong to the nominee in that event," saidMukesh Jain, corporate lawyer and founder of Mukesh Jain andAssociates, a Mumbai-based law firm. The definition of a"reasonable time" varies, and the court will take a call based onthe facts of the case.AVOID MISTAKESAlthough filing nomination seems like a simple exercise but even aspelling error can create problems for the family members whileclaiming the assets. "Sometimes people make mistakes in writingthe correct names of the nominee. If it does not match with theKYC documents of the nominee, it may lead to disputes and delayat the time of payment," said Gavankar.The details of the nominee such as name, address, date of birthand relationship with the deceased, among others, have to bespecified clearly to avoid any dispute. In case of more than onenominee, it is important to mention the share of each nominee.In case the nominee is a minor, remember to add an elderly familymember's name as a guardian. "Not appointing a guardian for aminor nominee or adding an elderly family member (father ormother), who may not be around at the time of the demise of theaccount holder is another mistake," said Nishant Agarwal, managingpartner and head-family office, ASK Wealth Advisors.UPDATE THE DETAILSGenerally, people give nomination details at the time of making theinvestment or buying an asset, and forget about it. It is advisableto update the details periodically. "Check nominations at least oncea year, and check spelling and all the details at the time the firstinvestment statement is received," said Lovaii Navlakhi. managingdirector and CEO, International Money Matters, a Bengaluru basedfinancial planning firm.It's important to update nomination details after certain events inlife. "One must update the nominee in case of any change in therelationship status or death of a nominee. If any changes aremade in the nomination, the corresponding details should beupdated across the documents," said Agarwal.A nomination allows financial institutions such as banks andinsurance companies to transfer the investments or assets to theperson nominated by the deceased without getting into legalprocesses such as obtaining a succession certificate. Theseprocesses take time and the family is not able to access the assetor investment in the interim. So take all necessary steps to updateyour nomination details as early as possible.
Although filing nomination seems like a simpleexercise, even a spelling error can create problems
Three things to keep in mind whenfiling nominations for financial assets
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RISK FACTORS : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that the scheme(s)objectives will be achieved. Please refer to the offer document before investing.
Scheme Obj :Equity - ELSS; Scheme Type: Open End;Launch Date : March ‘96, Fund Manager: Rupesh Patel, Ennettee Fernandes;
Entry Load : NA, Exit Load : Nil (An open ended equity linked savingscheme with a statutory lock in of 3 years and tax benefit)
Fund Performance
Holdings Net Asset (%) Period %
Top 5 Sectors
Instruments %
Top 5 Sectors
Tata India Tax Savings Fund
Top 10 Holdings (as on 31/07/2020)
FinancialPetroleum ProductsConsumer Non DurablePharmaConstruction
Reliance Industries 11.84HDFC Bank 7.65ICICI Bank 7.34Bharti Airtel 7.07Infosys 6.75HDFC 5.45State Bank of India 5.00Divi's Laboratories 2.99Ultratech Cement 2.84Jubilant Foodworks 2.70
1 Year -2.123 Years 1.145 Years 6.8910 Years 11.20
Financial 31.22Petroleum Products 16.77Consumer Non Durable 8.07Pharma 7.92Construction 7.74
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Instruments %
Top 5 Sectors
Fund Performance
Holdings Net Asset (%) Period %
Top 5 Sectors
Top 10 Holdings (as on 31/07/2020)
FinancialAA+AAAutomobileTechnology
Scheme Obj :Hybrid: Dynamic Asset Allocation; Scheme Type: Open End;Launch Date : Dec 2006, FundManager: Mr. Ihab Dalwai;
Entry Load : NA,Exit: For units in excess of 10% of the investment,1%will be charged for redemption within 365 days
ICICI Prudential Balanced Advantage Fund
Reliance Industries 5.87HDFC Bank 5.20ICICI Bank 4.01Bharti Airtel 3.18Infosys 3.24 8.75% Axis Bank 2.729.20% ICICI Bank 31/12/2050 1.838.75% Axis Bank 28/06/2022 1.749.15% ICICI BANK 1.069.50% Nirma 1.04
1 Year 4.713 Years 5.115 Years 6.9010 Years 10.82
Financial 18.90AA+ 10.53AA 7.41Automobile 6.84Technology 7.15
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Holdings Net Asset (%) Period %
Top 5 Sectors
Instruments %
Top 5 Sectors
Top 10 Holdings (as on 31/07/2020)
Scheme Obj : EHybrid: Dynamic Asset Allocation; Scheme Type: OpenEnd; Launch Date : Sept 2000; FundManager: Prashant Jain;Entry Load : NA,Exit Load : For units in excess of 15% of theinvestment,1% will be charged for redemption within 365 days
HDFC Balanced Advantage Fund
FinacialEnergyAAAConstructionAA
ICICI Bank 7.79State Bank of India 7.27Larsen & Toubro 6.64Power Grid Corporation 5.20ITC 5.168.75% State Bank of India 4.068.60% Canara Bank 1.898.98% Punjab National Bank 1.238.15% State Bank of India 0.839.15% ICICI Bank 0.77
1 Year -9.403 Years -1.545 Years 4.3010 Years 8.88
Finacial 25.42Energy 11.79AAA 7.67Construction 8.41AA 3.22
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Scheme Obj : Equity: ELSS; Scheme Type: Open End;Launch Date : January 2007; FundManager: Mr. Rohit Singhania;
Entry Load : NA Exit Load : NIL (An open ended equity linked savingscheme with a statutory lock in of 3 years and tax benefit)
Fund Performance
Holdings Net Asset (%) Period %
Top 5 Sectors
Instruments %
Top 5 Sectors
DSP Tax Saver Fund
Top 10 Holdings (as on 31/07/2020)
FinancialPetroleum ProductsConsumer Non DurableTelecomPharma
ICICI Bank 7.62Bharti Airtel 7.37HDFC Bank 7.17Reliance Industries 5.43Infosys 2.61Hindustan Unilever 2.51Ultratech Cement 2.20State Bank of India 2.19Manappuram Finance 2.15HCL Technologies 2.04
1 Year 0.873 Years 1.745 Years 6.9410 Years 10.66
Financial 29.18Petroleum Products 8.36Consumer Non Durable 8.04Telecom 7.61Pharma 7.26
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Holdings Net Asset (%) Period %
Top 5 Sectors
Instruments %
Top 5 Sectors
Top 10 Holdings (as on 31/07/2020)
Scheme Obj : Hybrid: Dynamic Asset Allocation; Scheme Type: Open End;Launch Date : Feb 2014; Fund Manager : Mr.Atul Bhole , Mr.Saurabh
Bhatia; Entry Load : N.A.; Exit Load : For units in excess of 10% of the“investment,1% will be charged for redemption within 365 days
DSP Dynamic Asset Allocation Fund
FinancialAAATelecomAA+Pharma
6.59% IRFC 14/04/2023 4.009.20% ICICI Bank 31/12/2050 3.88HDFC 19/05/2022 3.876.80% HPCL 15/12/2022 2.037.93% NTPC 2022 2.00Bharti Airtel 6.68HDFC Bank 5.20ICICI Bank 5.87Ultratech Cement 3.60Bajaj Finserv 3.40
1 Year 7.613 Years 4.955 Years 7.0410 Years -
AAA 26.17Financial 25.76Telecom 6.91Construction 4.91AA+ 4.65
Source & courtesy: Renu Yadav & Tinesh Bhasin - mint
Expected to close on 31/08/2020
As you deal with the trauma oflosing a loved one, making a lifeinsurance claim may becomedaunting if you don't know howto go about it. One of the mostimportant aspects to consideris the difference between thenominee and heir when itcomes to insurance claims.Insurance policy is treated as an estate of the deceasedpolicyholder. Legal heirs have a right over the policy as long asthe assets of the deceased policy holder devolve upon her.However, in life insurance, there is a concept known as beneficialnominee. This provision was introduced in the Insurance Laws(Amendment) Act, 2015. If an immediate family member (parents,or spouse, or children) is made the nominee, then the proceedswill go to the intended person. Legal heirs will not have any claimon the money. "If the nominee is not survived by the insured, theproceeds will go to the legal heirs," said Mukesh Jain, corporatelawyer and founder of Mukesh Jain and Associates, a Mumbai-based law firm. In the absence of a nominee, the legal heir canclaim the insurance proceeds. "Apart from the claim intimationletter and other requisite documentation like death certificate, IDproof of the beneficiary, policy papers, discharge form (if any),post mortem report and hospital records (in case of unnaturaldeath), the legal heir needs to submit the succession certificateissued by a competent court which establishes the right of thelegal heir over the assets of the deceased policy-holder, includingthe insurance proceeds," said Vatsala Sameer, companysecretary, Canara HSBC Oriental Bank of Commerce LifeInsurance.If there are multiple legal heirs and only one is claiming theproceeds, then all other legal heirs need to agree and expresstheir consent to the insurer for that. "The affidavit-cum-indemnitysigned by all the legal heirs protects the insurer from similar andseparate claims under the policy," said a spokesperson from PNBMetlife Insurance Co. Ltd. The legal heir can make a claim whenthere is no nomination any time before the maturity of the policy,or if the insured has not requested a fresh nomination in case ofthe death of the nominee or in case of death ofthe nominee afterthe claim is filed but before its settlement.In case the deceased has more than one child and has notnominated all of them, a claim can be lodged only by the nominatedchild and the insurer shall pay the proceeds to the nominee only.Other children can stake claim to their shares by moving acompetent court oflaw, said the PNB Metlife spokes-person. Soget clarity on your situation and act accordingly.If an immediate family member is made the nominee,
then the proceeds will go to the intended person
Nominees have first right over lifeinsurance claims, not legal heirs
Source & courtesy: Tinesh Bhasin, Disha Sanghvi - mint
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Term plan premiums
TERM INSURANCE PREMIUM TABLE (Premium inclusive of service Tax)
Insurance Age Term ( `̀̀̀̀) ( `̀̀̀̀) co. Name (yrs) (yrs) 50 lakhs* 1 crore*
Term Insurance Plan (u/s.80C)Pay Just `̀̀̀̀5024* & get `̀̀̀̀50 lakhs Life Coverage
* Premium for 25 yrs old male for 30 yrs term Insurance is the subject matter of solicitation.
"HDFC Life” 25 30 Click 2 protect 35 20 3D Plus 45 10ICICI PRU 25 30 iPROTECT 35 20
45 10LIC 25 30AMULYA 35 20JEEVAN 45 10SBI Life 25 30Smart 35 20Shield 45 10
79289316
1382551036476
111519912
1398322360
69049187
13897
144331727425180
83471154719752198242796644722115061531123162
For selecting the right policy with cost efficient andmaximum benefits, Please Call : 098410 01787
ECS Fin
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ECS Fin
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ECS Fin
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ECS Fin
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ECS Fin
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SREI NCDs, NHAI Bonds Opening Shortly.
For selecting the right policy with cost efficient andmaximum benefits, Please Call : 098410 01787
(Premium inclusive of GST in `)
Insurance is the subjectmatter of solicitation.
5M-35 -- 4720 5328 5994
36-45 -- 5351 6148 6927
46-50 -- 8496 10266 12626
18-35 -- 6282 -- 7971
36-45 -- 7110 -- 9020
46-50 -- 10399 -- 13194
0-25 -- 3479 5103 4242
26-35 -- 5015 6208 6506
36-45 -- 6549 7896 8298
46-50 -- 10978 11795 12428
25 4899 5220 6210 6858
35 5083 5395 6231 7324
45 7600 8043 9349 10836
Insurance Age SI SI SI SICompany - Plan Group 2 Lakhs 3 Lakhs 4 Lakhs 5 Lakhs
Star Medi
Classic -
Individual
HDFC ERGO
Optima
Restore
ICICI
Lombard -
Health
Protect
Aditya Birla
Enhanced
Plan
HEALTH INSURANCE PREMIUM TABLE
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From: ECS CONSULTANTS, 1-7-284/293, Office No. 303, 3rd floor,Jade arcade, M.G.Road, Secunderabad - 500 003.
Note : All Information given in this investment news is true to the best of our knowledge, and we do not own any responsibility legally or otherwise for correctness of the same. Due care is taken while printing investment news. Any discrepancy ormistake found may kindly be brought to our knowledge. Before taking any investment decision go through or ask for risk factor. Risk Factors : Mutual Fund and Securities investments are subject to market risks and there can
be no assurance or guarantee that the scheme(s) objectives will be achieved. Please refer to the offer document before investing. Insurance is the subject matter of solicitation..
For trusted advise and guidance Please call us, we will be glad to
call on you at your door step or you can visit any of your
neighbourhood ECSECSECSECSECS or Click www.ecsconsultants.co.in
Date of Posting 9th & 24th & Date of Publication 7th to 9th & 22nd to 24th
Telangana Region
SECUNDERABAD 1-7-284/293, Office No. 303, 3rd floor,@ Jade Arcade, Paradise, M.G.Road, Sec’bad - 03. 040 - 2784 4411 99489 80066BASHEERBAGH Room No: 202, Shop No: 3-6-290/12/2, IInd floor,@ Opp. Hotel Central park, Hyderguda, Hyd-29. 040 - 23261396 98480 66255AMEERPET H.NO.7-1-471-472, Gurukrupa Complex,@ Opp. Gurudwara, Ameerpet, Hyderabad - 16. 040 - 23731636 99480 97642
MALKAJGIRI 22-103, Beside Bank of Maharashtra, R.K.Nagar,@ Malkajgiri, Hyderabad - 500047. 040 - 27243201 98488 11501KUKATPALLY 2-22-1/92, G-3, Manju plaza, Bhagyanagar@ colony, Kukatpally, Hyderabad - 500072. 040 - 23060451 98488 23656DILSUKHNAGAR H.No: 13-3-13, Lakshmi Nivas Building,
Hanuman Nagar, Road No: 4B, Chaitanyapuri,Hyderabad - 500 060. 040 - 24152771 98480 44868
HABSIGUDA H.No: 7-102, Adj. lane to SBH, Scientists@ colony, Habsiguda, Hyd erabad - 500007. 040 - 27153748 98489 91242TRIMULGHERRY 3-5-10, Brindavan Apts, Trimulgherry,@ Secunderabad - 500015. 040 - 27797253 99128 22611YAPRAL H.No: 5-10-110/6, J.J. Nagar Colony, Near HP@ Petrol Bunk, Yapral, Secunderabad - 500 087. 040 - 27863360 70362 07831
MADHAPUR H.No: 1-98/89/5, Road No: 1, Sai Nagar,@ Madhapur, Serilingampally, Hyderabad - 500 081.
040 - 48554612 70363 83065BAGH AMBERPET H.No: 2-2-647/A/68, 4th Road, Sai Baba Nagar, @ E-Seva Lane, Shivam Road, Bagh Amberpet,
Hyderabad - 500 013. 040 - 27424613 99480 43743
VIJAYAWADA 40-9-99, 1st Floor, Rama Krupa Complex,@ Sai Nagar, Benz Circle, Vijayawada - 520 008 0866 - 6626203 98480 27503
VISHAKAPATNAM 47-9-17, 1st Floor, IIIrd Lane, Dwarakanagar,@ Vizag - 530016. 0891 - 2591171 98480 50477
RAJAMAHEN- Door No. 7-26-22, Maturi Vari Street, T-Nagar,DRAVARAM @ Rajamahendravaram - 533101. 0883 - 2437124 98486 29443
Serving Nation.Serving you.
ECS FinancialECS FinancialECS FinancialECS FinancialECS Financial - Office Hours: Monday to Friday- 9.30 am to 6.00 pm.All Saturday - 9.30 am to 5pm. & All Sundays - Holiday.
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REGIONAL OFFICE 320/422, 1st floor, 9th cross, 8th Main, Near,Balambika Temple, Shastri Nagar, Bengaluru - 28 080 - 41330602 99800 60787
SHASTRINAGAR 320/422, 1st floor, 9th cross, 8th Main, Near, BRANCH Balambika Temple, Shastri Nagar, Bengaluru - 28 080 - 41330602 99809 66112
REGIONAL OFFICE Flat No.304, 2nd flr, Devi Narayanan Apartment,Rameswaram Road, T.Nagar, Chennai - 600 017 044 - 24337614 98410 11705
T. NAGAR Flat No.304, 2nd flr, Devi Narayanan Apartment,BRANCH Rameswaram Road, T.Nagar, Chennai - 600 017 044 - 24323692 98410 10082
To
R.N.I No.APENG/2004/12047 POSTAL REGN.NO.: HQ/SD/510/2019-21
BOOK POSTRegistered News Paper
Page 4
Andhra Pradesh Region
Bengaluru Region
Chennai Region
RISK FACTORS : Mutual Fund and Securities investments are subject to market risks and there can be no assurance or guarantee that thescheme(s) objectives will be achieved. Please refer to the offer document before investing.
@ Point OfService(POS)
Invest your idle money in Liquid Funds and be surprised by inflationadjusted returns and High Liquidity
If you can’tfeed a
hundredpeople, then
feed justone.
- Mother Teresa
LIQUID FUNDS RETURNS AS ON 05/08/2020 15D 30D 3M 6M 1YAditya Birla Sun Life Low Duration Fund (G) 0.59 0.55 3.23 4.58 8.44DSP Ultra Short Fund (G) 0.28 0.25 1.42 2.81 5.98HDFC Low Duration Fund (G) 0.65 0.72 3.35 4.53 8.18ICICI Prudential Savings Fund (G) 0.52 0.68 3.58 4.77 8.97
To know more & invest, Please call ECS Financial
Please call ECS Insurance, 98410 01787
Capital Gain Bonds Now Open for this FY 2020-21
All CG Bonds now offers 5 % p.a. and Pay Annually
Invest in Capital Gain Bonds and Save Capital Gain Tax up to 20%
REC (XIV) NHAI (XXI) PFC (IV) IRFC (IV)(30th June) (1st April) (31st July) (15th Oct)
