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                  INVESTMENT IN SHARES  & MUTUAL FUND

course of business. It represents the risk capital staked by the owners through purchase of the firm's common stock (ordinary shares). Its value is computed by estimating the current market value of everything owned by the firm from which the total of all liabilities is subtracted. On the balance sheet of the firm, equity capital is listed as stockholders' equity or owners' equity. Also called equity financing or share capital.

Investment firm managed by finance professionals that raises its capital by selling its shares (called units) to the public. Mutual fund's capital is invested in a pool (portfolio) of corporate securities, commodities, options, etc. The level of a mutual fund's income from its portfolio determines the daily market value (called net asset value) at which its units are redeemable on any business day, and the dividend paid to its unit holders. Mutual funds are of two main types: (1) open end fund, where the capitalization of the fund is not fixed and more units may be sold at any time to increase its capital base, (2) closed end fund, where capitalization is fixed and limited to the number of units authorized at the fund's inception (or as formally altered thereafter).

         BOND

A debt instrument issued for a period of more than one year with the purpose of raising capital by borrowing. The Federal government, states, cities, corporations, and many other types of institutions sell bonds. Generally, a bond is a promise to repay the principal along with interest (coupons) on a specified date (maturity). Some bonds do not pay interest, but all bonds require a repayment of principal. When an investor buys a bond, he/she becomes a creditor of the issuer. However, On the hand, a bond holder has a greater claim on an issuer's income than a shareholder in the case of financial distress (this is true for all creditors). Bonds are often divided into different categories based on tax status, credit quality, issuer type, maturity and secured/unsecured (and there are several other ways to classify bonds as well). capital gains and interest on interest (if a bond pays no coupon interest, the only yield will be capital gains). A bond might be sold at above or below par (the amount paid out at maturity), but the market price will approach par value as the bond approaches maturity. A riskier bond has to provide a higher payout to compensate for that additional risk. Some bonds are tax-exempt, and these are typically issued by municipal, county or state governments, whose interest payments are not subject to federal income tax, and sometimes also state or local income tax.

                  INSURANCE

A promise of compensation for specific potential future losses in exchange for a periodic payment. Insurance is designed to protect the financial well-being of an individual, company or other entity in the case of unexpected loss. Some forms of insurance are required by law, while others are optional. Agreeing to the terms of an insurance policy creates a contract between the insured and the insurer. In exchange for payments from the insured (called premiums), the insurer agrees to pay the policy holder a sum of money upon the occurrence of a specific event. In most cases, the policy holder pays part of the loss (called the deductible), and the insurer pays the rest. Examples include car insurance, health insurance, disability insurance, life insurance, and business insurance.

         FIXED DEPOSIT

Firms or organisations which different kind of  Fixed Deposit  liable to invest in India. Through our hands on experience and knowledge, we are able to guide and offer comprehensive consultancy services to our clients in the areas all type of Fixed Deposit.

                Public provident fund

• The Public Provident Fund Scheme is a statutory scheme of the Central

• Government of India.

• The Scheme is for 15 years.

• The rate of interest is 8% compounded annually.

• The minimum deposit is 500/- and maximum is Rs. 70,000/- in a financial year.

• One deposit with a minimum amount of Rs.500/- is mandatory in each financial year.

• The deposit can be in lumpsum or in convenient installments, not more than 12 Installments in a year or two installments in a month subject to total deposit of Rs.70,000/-.

• It is not necessary to make a deposit in every month of the year. The amount of deposit can be varied to suit the convenience of the account holders.

• The account in which deposits are not made for any reasons is treated as discontinued account and such account can not be closed before maturity.

• The discontinued account can be activated by payment of minimum deposit of Rs.500/- with default fee of Rs.50/- for each defaulted year.

• Account can be opened by an individual or a minor through the guardian.

• Joint account is not permissible.

• Those who are contributing to GPF Fund or EDF account can also open a PPF account.

• A Power of attorney holder can neither open or operate a PPF account.

• The grand father/mother cannot open a PPF behalf of their minor

• grand son/daughter.

   national saving certificate & krishan vikas patra

National Savings Certificate (NSC) and Kisan Vikas Patra (KVP) are very popular investment avenues among investors seeking safety of capital. But since both these are very similar, one can get confused while choosing between the two.

Here is a comparison of the features of NSC and KVP, to help you take an informed decision while investing.

        Recurring Deposit Account

Sixty equal monthly deposits shall be made in an account in multiples of Rs. five subject to a minimum of ten rupees.

Accounts with not more than four defaults in deposits can be regularized within a period of two months on payment of a default fee.

Account becomes discontinued after more than four defaults.

            Post Office Time Deposit Account

Post office Time deposit scheme is a type of fixed deposit account offered by Department of post, Government of India at all post office. This saving plan is best for those investors who want to deposit a lump sum for a fixed period. Investor gets a lump sum (principal + interest) at the maturity of the deposit, where rate of interest on investment depend on the term of deposit.

          SENIOR CITIZENS SAVINGS SCHEME          

In a Senior Citizen Saving Scheme depositor will have to take out the interest payment every quarter, this gives him the chance to increase the return by reinvesting part or the whole of the interest payout in a five-year recurring deposit (if regular payouts are not needed) in a bank giving more than 8 per cent interest.

For example, if you deposit Rs 1 lakh in an SCSS, you will get Rs 9,000 as interest every year or Rs 45,000 in five years. You can open a five-year recurring deposit with a monthly deposit of Rs 750 and earn an annual interest of 8 per cent. After five years, you will amass Rs 55,535 in the recurring deposit account. That is a gain of Rs 10,535 per Rs 1 lakh in five years. However, you cannot follow this strategy if it is a bank fixed deposit because banks pay a cumulative interest. Rs 1 lakh kept in a five-year bank fixed deposit will earn you an interest of Rs 56,051 at maturity.

 SARKAR & ASSOCIATES

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