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Rajiv Gandhi Equity Savings Scheme How to open a DEMAT

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INVESTOR
Volume 1, Issue 5, Mumbai, October 2012
Publication Price `3
Pages - 4
IIFL Investor RNI No.: MAHENG/2O12/44126
Insurance, Fixed Deposit &
Mutual Fund
Recommendations
Know more about
Demat Accounts
Common Health Insurance
mistakes
A few out of our 1500+
Touch Points
Page 2
Page 3
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Rajiv Gandhi Equity Savings Scheme
This Scheme would give tax benefits to new investors who invest
up to `50,000 and whose annual income is below `10 lakh.
F
inance Minister P. Chidambaram has approved
a new tax saving scheme called Rajiv Gandhi
Equity Saving Scheme (RGESS), exclusively for
the first time retail investors in securities market. This
Scheme would give tax benefits to new investors who
invest up to `50,000 and whose annual income is
below `10 lakh.
The Scheme not only encourages the flow of savings
and improves the depth of domestic capital markets,
but also aims to promote an �equity culture’ in India.
This is also expected to widen the retail investor base in
the Indian securities markets.
Salient features of the Scheme:
Scheme is open to new retail investors, identified on
the basis of their PAN numbers. This includes those
who have opened the Demat account but have not
made any transaction in equity and /or in derivatives
till the date of notification of this Scheme and all those
account holders other than the first account holder
who wish to open a fresh account.
Investors whose annual taxable income = `10 lakh are
eligible under the Scheme. The maximum Investment
permissible under the Scheme is `50,000 and the
investor would get a 50% deduction of the amount
invested from the taxable income for that year.
Under the Scheme, those stocks listed under the BSE
100 or CNX 100, or those of public sector
undertakings which are Navratnas, Maharatnas and
Miniratnas would be eligible. Follow-on Public Offers
(FPOs) of the above companies would also be eligible
under the Scheme.
IPOs of PSUs, which are getting listed in the relevant
financial year and whose annual turnover is not less
than `4000 cr for each of the immediate past three
years, would also be eligible.
In addition, considering the requests from various
stakeholders, Exchange Traded Funds (ETFs) and
Mutual Funds (MFs) that have RGESS eligible
securities as their underlying and are listed and traded in
the stock exchanges and settled through a depository
mechanism have also been brought under RGESS.
To benefit the small investors, the investments are
allowed to be made in instalments in the year in which
tax claims are made.
The total lock-in period for investments under the
Scheme would be three years including an initial
blanket lock-in period of one year, commencing from
the date of last purchase of securities under RGESS.
After the first year, investors would be allowed to trade
in the securities in furtherance of the goal of
promoting an equity culture and as a provision to
protect them from adverse market movements or
stock specific risks as well as to give them avenues to
realize profits.
Investors would, however, be required to maintain
their level of investment during these two years at the
amount for which they have claimed income tax
benefit or at the value of the portfolio before initiating
a sale transaction, whichever is less, for at least 270
days in a year. The calculation of 270 days includes
those days pursuant to the day on which the market
value of the residual shares /units has automatically
touched the stipulated value after the date of debit.
The general principle under which trading is allowed
is that whatever is the value of stocks / units sold by
the investor from the RGESS portfolio, RGESS
compliant securities of at least the same value are
credited back into the account subsequently.
However, the investor is allowed to take benefits of the
appreciation of his RGESS portfolio, provided its
value, as on the previous day of trading, remains above
the investment for which they have claimed income
tax benefit.
For the purpose of valuation of shares, the closing
price as on the previous day of the date of trading will
be considered so that new investors are certain about
their debits and credits into the account. In case the
investor fails to meet the conditions stipulated, the tax
benefit will be withdrawn.
This Scheme would give tax benefits to new investors who
invest up to `50,000 and whose annual income is below
`10 lakh.
Dematerialise your MF, NCD units today
N
SDL has enabled holding of mutual fund units
[represented by Statement of Account] in
dematerialised form for its demat account
holders. You can use your existing demat accounts for
converting your mutual fund units in dematerialised form.
Procedure for conversion of Mutual Fund Units
into dematerialised form through your
Depository Participant (DP)
NSDL
• Obtain Conversion Request Form (CRF) from
your DP.
• Fill-up the CRF.
• Submit the CRF alongwith the Statement of
Account to your DP.
• After due verification, the DP would send the
CRF and Statement of Account to the Asset
Management Company (AMC) / Registrar and
Transfer Agent (RTA).
• The AMC / RTA after due verification will
confirm the conversion request executed by DP
and the mutual fund units will be credit in your
demat account.
CDSL
• Acquire a Mutual Fund Destatementisation
Request Form (MF-DRF) from your DP.
• Submit the duly filled MF-DRF along with the
statement of account/s to the DP
• The DP shall capture the details in the CDSL
system and forward the original MF-DRF and the
SoA to the Registrar and Transfer Agent (RTA)
along with a system-generated covering letter.
• The RTA will after due verification confirm the
conversion request setup by your DP and credit
the mutual fund units in your demat account.
How to open a
DEMAT Account?
Following is the procedure for opening a Demat
Account:
1. Fill account opening form available with your
Depository Participant (DP) - IIFL
2. Give your DP the duly filled account opening form
with proof of identity and proof of address
documents as may be required.
3. Sign agreement with DP (agreement will state rights
& obligations of both parties). The agreement will
contain the fee structure of your DP. A copy of this
signed agreement would be given to you for your
record.
4. DP would give you "Client ID" no. (account no.)
once your Demat Account is opened. This 'Client ID'
number along with your 'DP ID' number forms a
unique combination. Both these numbers should be
quoted in all your future dealings with DP/NSDL/
Issuing company/their registrar & transfer (R&T)
agent.
5. Your DP would give you instruction slips for
depository services viz., dematerialisation, delivery
instruction for trades, etc. These instruction slips will
bear preprinted serial numbers and your Client-ID
pre-stamped. Preserve these carefully.
6. Your DP would give you a list of deadlines for giving
instructions for various depository activities viz.,
transfer for effecting sale, purchase, etc. If not, check
with the DP.
To open your DEMAT Account with IIFL
SMS INV to 56767
NATIONAL
PENSION
SCHEME
A secure Retirement Plan
from Government of India
NPS CORPORATE MODEL
• Open to any citizen of India above age18 yrs
• Minimum investment - `6000 per year
• Lowest cost product around the world
• Corporates can provide to employees as retirement plan
• Tax Benefit on Investment (up to 10% of Basic salary+D.A*)
• Save Income Tax over & above 80CC
NPS is regulated by PFRDA & Govt of India
*Income tax benefit U/s 80CCD2, 80CCE
For more information
Call: 022-4060 9253
Visit: www.iiflfinance.com
Email: [email protected]
IIFL Investor - Page 1
INVESTOR
October 2012
IIFL Investor RNI No.: MAHENG/2O12/44126
Insurance Recommendations
FD Recommendations
ICICI Prudential (Retirement Income Solution)
Pay `1 lakh p.a. for 7 years and you can get `1 lakh p.a. for life*
DHFL - Ashray Deposit (400 Days) - CARE (AA+) & BWR (FAAA)
A comfortable retirement life is one of your most important goals. Ordinary savings can
wither away so you need a retirement solution which will help you build a retirement corpus,
help you and your spouse to get a regular income and to leave a legacy for your children.
Keeping this in mind, we have designed ICICI Prudential Retirement Income Solution.
Minimum Amount: `10000 & in multiple of `1000 thereafter.
This solution is a combination of ICICI Pru Guaranteed Savings Insurance Plan (a non
linked insurance plan) and ICICI Pru Immediate Annuity plan (a non linked insurance
plan).ICICI Prudential Retirement Income Solution offers the following benefits:
Savings: Build a desired corpus for your retirement
Income: Avail the option to enjoy regular income for you and your spouse for whole of life
Legacy: Leave a lump sum for your child
Life Cover: Death benefit to protect your family's future
Remarks: 0.50% extra for Privilege Depositors (Sr. Citizens above 60 yrs, DHFL
Shareholders, DHFL H.L Customers, Armed forces Personnel & Widows), 0.25% extra
on single application deposit 25 Lacs and above. Interest Compounded Half Yearly.
Interest Rates (%)
Highlights:
• Safe, Secure Earnings for Short term investment
• Liquid investment
• Prompt / Timely ECS payment facility for Interest payments
Illustration
Unitech Limited
Mr. Akash is 40 years old and wants to plan for his retirement. Let us see how this solution
will help him. ICICI Prudential Retirement Income Solution works in two phases.
Minimum Amount: `25000 & in multiple of `1000 thereafter.
Investment Phase : In this phase, Mr. Akash will purchase an ICICI Pru Guaranteed
Savings Insurance Plan.
Highlights:
Premiums payable
Year 1 to 7
• Fastest Growing in its segment with over 100,000 investors
`1,00,000 p.a.
Pay premium of `1,00,000 p.a. for 7 years
• Current Mobilization of approx. `600 Cr
`14,72,466 @ 8% ARR*
`11,77,101 @ 6% ARR*
47
40
• Tie-up with most Credible National Distributors' - PAN India.
55
1
Maturity benefit to be paid after 15 years
Income Phase: In this phase, Mr. Akash has the option to use the maturity payout of ICICI
Pru Guaranteed Savings Insurance Plan to purchase ICICI Pru Immediate Annuity with
"Joint Life, Last Survivor with Return of Premium" annuity option.
Benefits
Assumed Maturity benefit of ICICI Pru Guaranteed Savings Insurance Annual income2 Lump sum payout to nominee on
rate of return Plan to be used to purchase ICICI Pru Immediate Annuity
from year 16 death of the last surviving partner
` 1,09,047
` 14,72,466
8%
` 14,72,466
6%
` 11,77,101
` 87,173
` 11,77,101
Income of `1,09,047 p.a.
for you and spouse
Income of `1,09,047 p.a.
will continue for your spouse
Nominee gets lump
sum of `14,72,466
55
Lump sum premium
of `14,72,466
Remarks: In Cumulative option, interest compounded monthly on deposits of one year
or more and payable on maturity.
Death of policyholder
Death of spouse
*ARR stands for assumed rate of return. For the purpose of illustrations, the Company has assumed 6% and 8% as the rates of
investment returns. The returns shown in the illustration are not guaranteed and they are not the upper or lower limits of what you
might get back, as the value of my policy depends on a number of factors including future investment performance.
BILCARE Limited (Bilcare Research)
Minimum Amount: `20000 and in multiples of `1000 thereafter.
Remarks: 0.25% extra for Sr. citizen above 60 years; Shareholders & Employees of the
Company.Interest will be paid quarterly and in Cumulative Scheme – Interest will be
compounded quarterly and paid on maturity. Post dated interest warrants will be issued
in advance for each financial year
Highlights:
• Worlds largest paharmaceutical packaging company , Makers of Bilcare . Indias
leading barrier film brand for packaging requirements of the Pharmaceutical industry.
The customer list includes Niovartis , GSK , Wyeth , Pfizer, Aventis, Ranbaxy, Cipla ,
Johnson, Dr. Reddy's, Merck and number of other leading players in the industry
• Presence in more than 20 countries in the world and still growing. Focus on Research
& Technology
Interest Rates (%)
FD Company Name
6M
1 YR
2YR
3 YR
4 YR
5YR
1
If the policy offers guaranteed returns, then these will be clearly marked "guaranteed" in the Benefit Illustration. Since the policy
offers variable returns, the given illustration shows two different rates of assumed future investment returns. The returns shown
above are not guaranteed and they are not the upper or lower limits of what you might get back, as the maturity value of your policy
depends on a number of factors including future investment performance.
Ashray Deposit (400 Days)
400 Days
Cumulative 10.75
Unitech Limited
11.5
11.5
12
12.5
-
-
Bilcare Limited
-
11.00
11.50
12.00
-
-
2
The annuity amount is calculated as per the annuity rate applicable as on 30/06/2012. The annuity amounts aie calculated
assuming the current age of Akash and his spouse to be 40 years and 35 years. Annuity rates are not guaranteed and he nee subject to
change from time to time. The actual annuity amount will depend on the prevailing annuity rates at the time of purchase of ICICI
Pru Immediate Annuity Plan.
Mutual Funds
Top Five Recommendations
Franklin India Bluechip (NAV 223.0)
The fund has consistently outperformed its benchmark
(BSE Sensex) and the peer group average in the last 5
years. It has about 99% of its holding in large caps and has
one of the lowest expense ratios (1.81) in its category.
This fund is particularly suitable to investors who wish to
take limited risk and generate modest returns.
ICICI Pru Dynamic (NAV 111.8)
This fund aims at providing capital appreciation through
investment in equity and related instruments and for
defensive consideration in debt/money market
instruments and derivatives. It has consistently
outperformed its benchmark (S&P CNX Nifty) and its
peer group average since inception. The fund has given
the returns of 27.6% CAGR since inception which is the
highest in its category.
UTI Opportunities (NAV 30.3)
In the last 3 years, this fund has emerged as one of the top
5 funds in its category. The fund has consistently
IIFL Investor - Page 2
outperformed its benchmark and peer group average
since inception. In the last three years, it has given
annualized returns of 10.6% as compared to its
benchmark returns of 3.6% for the same time period.
HDFC Mid-cap Opportunities (NAV 17.3)
The scheme has been ranked 1 in Small & Mid-cap
category by CRISIL. With CNX Midcap as its
benchmark, the fund has been an outperformer since
inception. For the last 3 years, it has given annualised
returns of 17% vs. its benchmark returns of 5.2% for the
same time period.
IDFC Sterling Equity (NAV 20.0)
This fund aims at capital appreciation by investing
predominantly in the small & Mid-cap equity segment.
In the last 6 months, it has given absolute returns of
10.9% vs. its benchmark returns of -0.1% for the same
time period. Even in the 3 year time frame, the fund has
been a significant outperformer with returns of 14.9%
CAGR as compared to its benchmark returns of 5.2%
CAGR over the same time period.
Source: ACE MF
NAVs & Returns are as on September 24th, 2012
Invest in Mutual Funds
through IIFL
Just give us a missed call on 080 300 88 501
Mutual Fund Investments are subject to market risks,
read all scheme related documents carefully.
INVESTOR
October 2012
IIFL Investor RNI No.: MAHENG/2O12/44126
Know more about
Demat accounts
O
ver the last 20 years, India has seen boom in
capital market. There has been tremendous
increase in the number of companies and
number of shares issued by these companies. Also,
many citizens are participating in the share market.
Earlier, when companies sold their shares to public,
share certificates were issued to investors in paper
format and the owner of the shares had to physically
hold the certificates.
Companies were spending lots of money on paper and
printing of shares and postage for delivering the shares
to investors. When shares were transferred from one
person to another, endorsement relating to change on
ownership was required to be done on the share
certificate. This needed lots of paper work, movement
of share certificates, cost of postage, chance of human
error in recording transfers and considerable time taken
to complete the transaction. Several shares were lost in
transit and many share certificates got mutilated in
handling.
Share owners and companies had to follow a long
cumbersome and costly process to get duplicate share
certificates. To overcome this problem and also to save
the use of paper, India decided to adopt book keeping
of shares and securities in electronic format and
converting physical record of investors into electronic
record. The process is called dematerialising of
securities. Investors were required to open a demat
account to convert paper shares into shares in
electronic format.
A demat account can be opened with share brokers,
(depository participant) investment advisors and banks
authorised by depositories. A demat account is like a
bank account. In a bank account, we deposit and
withdraw money. In demat account we buy and sale
shares. A demat account is linked with a bank account
nominated by the investor and financial transactions
relating to sale and purchase of securities pass through
the bank account. For opening a demat account, PAN
and address proof is required to given. Once the
account is opened, the investor gets internet password
and transaction password.
Changing physical records to electronic
records
When demat was introduced, an investor intending to
change over from physical to electronic format of share
holding had to open a demat account, submit demat
request form (DRF) along with original paper share
certificates. After verification, paper certificates were
retired from circulation and details and value of
certificates were entered in his demat account.
Advantages of demat
Change over from physical to electronic format of share
holding has several advantages.
• Transfer of shares in electronic format does not
require payment of stamp duty which the buyer had to
pay for transfer of shares in physical format.
•
Transfers are fast and accurate.
• The investor has not to hold physical possession
and record of shareholding. He can get all the
information with few clicks on his computer.
•
Hassles of issuing duplicate shares are gone forever.
• When the change of address is entered in demat
account, it automatically gets updated with all
companies whose shares are recorded in demat
account.
• Investor gets regular statement of demat account.
He can anytime log on to his account with depository.
The author GR Thengdi has worked in the field of
financial management for over 50 years.
Common Health Insurance mistakes
W
hen you are buying a health
insurance policy, evaluate what you
need and how much risk you can
afford to take so that you will not be over/under
insured
Health insurance protects you and your loved ones
from suffering any financial disasters caused by high
medical expenses. Paying your hard earned money for
either short or an extended hospital stay may be very
expensive. Typically health insurance allows you to
receive the necessary health care if you or your loved
ones fall ill or are injured. Health insurance eliminates
the financial risk of making large payments to health
care providers for injury or illness.
When you are buying a health insurance policy,
evaluate what you need and how much risk you can
afford to take so that you will not be over/under
insured. Do a better research regarding features,
premium and coverage of the product as well as the
insurer’s service quality before buying any plan. Here
are some common mistakes you must avoid when
buying a health insurance policy.
Hiding health related information
Sometimes customers believe that falsifying the
information in proposal form will not be discovered in
future. Mis-representation of facts usually done by
people when they have pre-existing conditions and they
think this will lead to a higher premium or prevent
them from getting the insurance cover. However,
insurance companies check medical records thoroughly
and if they miss it, a doctor may be able to find out that
the condition existed before obtaining insurance. If this
is the case, insurance premiums will go up and people
may lose their coverage.
Your medical provider is not in the network
hospital list
Cashless hospitalisation is a facility in which a person
can get the required treatment while the medical
expenses are settled by the insurance company directly
with the hospital if the hospital comes under its
network lists. Most important thing is you need to
check whether your medical provider comes under the
hospital networks list or not, so that you don’t have to
pay more towards healthcare expenditure. Therefore, it
is important to compare the availability of associated
networks of hospitals of each insurer when comparing
products to meet your needs.
Giving more premiums to save co-pay
Co-payment is the amount of hospitalisation expenses
the policyholder has to give from his/her pocket during
the treatment before availing the insurance benefit from
the insurer. Some products have flat co-pay structure
where as some comes with co-pay after certain age and
some of the products available with co-payment in
different treatment zone and non network hospitals.
Sometimes for getting low co-pay we ignore the extra
premium we pay for the health insurance. So it is wiser
to evaluate the need of extra premium cost for the copay and buy the suitable health insurance plan.
Being over insured
Getting too much coverage and riders is another
mistake people make. In many cases, getting adequate
coverage does not mean going overboard and being too
cautious. It means getting just enough coverage to keep
themselves and their family healthy. So it is important
to take adequate health coverage.
High deductible health insurance
High deductible health insurance is a kind of health
insurance where the insured pays high deductible
amounts before the insurer offers its share of coverage.
This deductible forces the policyholder to pay first
portion of a medical expenses before the insurer pays.
Sometimes low premiums attract customers to buy
high deductible health insurance plans, but the most
important fact is that you need to make sure that you
are prepared to pay your portion of medical expenses. It
is necessary to check the maximum out of pocket health
expenses you can afford and then buy the health
insurance policy, otherwise you will end up in not
paying your portion of health care cost before getting
any health insurance benefit.
Not reviewing current health insurance policy
Failing to review the current health insurance policy
could also be costly when getting insurance coverage. A
thorough review of a current policy will inform
customers what they need in the new policy. Otherwise,
they could be getting too much coverage or not
adequate and still pay high premiums for it.
Article published on www.flame.org.in and contributed by
www.i-save.com
For a wide choice of Investments
Just give us a missed call on
080 300 88 501
Start investing now and secure a bright future for your family.
Choose IIFL as your partner for investing in
Equities
Commodities
Mutual Funds
Bonds
Fixed Deposits
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IIFL Investor - Page 3
INVESTOR
October 2012
Posted at Patrika Channel Sorting Office, Mumbai 400001,
on the 1st & 2nd of Every Month
Published on the 1st of Every Month
Postal Registration No.: MH/MR/WEST/300/2012-2014
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Published from IIFL Center, Kamala City, Senapati
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Editor: Anil N. Mascarenhas
Disclaimer - Investment in financial instruments carry market risk. We do not assure or guarantee, in any manner whatsoever, timely payment/ repayment of your investment and
income thereon. While we have taken care to obtain information from authentic sources, we are not responsible for any errors/ omissions in the newsletter. You are requested to
kindly obtain all necessary information before choosing your investment. Our offer of incentives is in accordance with the normal practice in this industry and shall not be
construed as inducement to invest in any particular company or scheme.
IIFL Investor - Page 4
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Vashi, Sector 17
7738211956
Dombivali Gopi Cinemall 0251-2400610
Goregoan Filmcity Road 022-28426756
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Thane Paanchpakkadi
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Mira Road Sec 1
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Ville Parle MG Road
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9987809658
Chembur Camp RC Marg022-25537747
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022-28941954
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9819141632
Khar (W)
9892322582
Parel Ambedkar Road
022-24706137
Wadala (E) Antop Hill 022-24170616
Tarapur
8898057549
Palvi Hospital
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