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Fixed Income was one of the best possible investment options for investors in 2009.

In 2010, at the start of the year, it took a beating as equities was going through a breakout. Though the interest rates are still low and not as high as last year, there are still some securities that will be of some interest for all investors as fixed income should definitely form some part of your investment portfolio. The percentage of fixed income securities in your portfolio can depend on your age, risk apetite, goal of your investment etc. There are fixed income options which give return in the range of 6% to 12.5%. We are listing down a comparison of various fixed income securities in India that investors can consider investing:

Instrume Bank Term nt Deposits

Interest Rate 6% - 8% Range

PO Monthl Post Person y National Kisan Office al Company Incom Savings Vikas Term Provide Fixed e Certifica Patra Deposi nt Fund Deposit Schem te (NSC) (KVP) ts (PPF) e (MIS) 8% (+ 0.5% 6.25% on 8% 8% 8.40%7% - 12.5% - 7.5% maturit y) Half Yearly 6 yrs Rs 100 Quarter Qtly/Hyly/Yrly ly /On maturity 8 yrs 7 6 mths-3 yrs mths Rs 100 Rs 10000

Interest Qtly/Hyly/Yrly Quarter Monthl Yearly Payout /On maturity ly y Tenure 15 days - 10 Range yrs Min Investme Rs 100 nt Max Investme No Limit nt Prematur e Allowed Withdra wl Tax Benefit 1-5 yrs 6 yrs Rs 200 Rs 1500 Rs 4.5 / Rs 9 lakh 15 yrs Rs 500 every year Rs 70000

No Limit

No Limit

No Limit

No Limit

Allowed AllowedAllowed Not availabl 80C e

Not AllowedNot Allowed Allowed Not availabl Not available e

80C (> 5 yrs 80C FD)

80C

Tax on Taxable Interest

Taxable TaxableTax Free Taxable TaxableTaxable

Leave feedback on what your opinion is regarding this option of investment.

Indian Rupees to 1 USD (invert,data)

120 days

latest (Jul 28) 44.0982

lowest (Apr 8) 44.0747

highest (Feb 10) 45.7277

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Interest Rates

RATE OF INTEREST# NORMAL SENIOR CITIZEN

MINIMUM BALANCE* Metro Urban Semi Urban

Rur

4.00 % -

4.00 % Rs.10,000 Rs.10,000 Rs.5,000

Rs.2

Not available

Not available

Not available

Not

Zero

Zero

Zero

Zero

vings account) 4.00 % 4.00 % 4.00 % 4.00 % 15000 15000 15000 15000 15000 15000

500

500

ed from 3.50% p.a to 4.00% p.a w.e.f. May 3, 2011

ixed Deposit and Recurring Deposit)* Click here to open a FD Rates of Interest (% p.a.) w.e.f July 22, 2011 Maturity Period General Senior Citizen **

posits Below Rs.15 Lacs

7 days to 14 days 15 days to 29 days 30 days to 45 days 46 days to 60 days 61 days to 90 days 91 days to 120 days 121 days to 184 days 185 days to 189 days 190 days 191 days to 210 days 211 days to 269 days 270 days to 289 days 290 days 291 days to less than 1 year 1 year to 389 days 390 days

3.75 4.00 5.00 6.25 6.50 7.00 7.00 7.50 7.75 7.50 7.50 7.50 7.75 7.50 8.25 9.25

4.25 4.50 5.50 6.75 7.00 7.50 7.50 8.00 8.25 8.00 8.00 8.00 8.25 8.00 8.75 9.75

Introduction: SBI Life Money Back is a traditional participating savings plan with added advantage of life cover and cash inflow at regular intervals. In order to meet your various financial obligations at crucial junctures, it offers a wide range of terms options with regular payments of Guaranteed Survival benefits made at different durations during the policy term. Key Features: The plan has a number of money back options specially suited to your needs. The cover is available at competitive premium rates. It has guaranteed cash inflows which can meet your various financial obligations. In addition to normal death cover, the plan also provides you 4 additional covers

Product Snapshot: Plans Options Option 1 Option 2 Option 3 Option 4 10 years 15 years 20 years 25 years Term Minimum Policy Term Maximum Policy Term 10 years 25 years Premium Premium Mode Monthly /Quarterly /Half Yearly/Yearly Age Option 1 Minimum Entry Age Maximum Entry Age Maximum Age at Maturity 15 years 60 years 70 years Sum Assured Minimum Sum Assured Maximum Sum Assured Rs 50000/Rs 5 Crores Riders Available SBI Life - Dhanavantri Supreme - Individual Critical Illness (CI Rider) (UIN : 111C004V02) Option 2 15 years 55 years Option 3 15 years 50 years Option 4 15 years 45 years

SBI Life - Accidental Death and Permanent Disability (AD & PD ) Rider (UIN: 111C001V01) SBI Life - Pure Term Rider (UIN: 111B003V01) SBI Life - Premium Waiver Benefit (PWB) Rider ( Individuals) ( UIN : 111B005V01)

* For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed only through ECS, Credit card, Direct debit and SIEFT
How does it work? SBI Life Money Back is a saving plan with added advantage of life cover and cash inflow at regular intervals. This plan is designed for individuals who want to plan for various financial obligations at specified times in life.
Guaranteed Survival Benefit payable

Term of the Plan

Cumulative Guaranteed Survival Benefit

10 Years 15 Years 20 Years 25 Years Benefits

The last 3 years on the term After every 3 years on the term After every 4 years on the term After every 5 years on the term

110% of Basic Sum Assured 115% of Basic Sum Assured 120% of Basic Sum Assured 125% of Basic Sum Assured

Death Benefit: In the unfortunate event of death during the term of the plan, the nominee will receive Sum Assured + Vested Bonuses, (accrued till the date of death), No deductions are made from the claim amount for the Survival Benefits already paid. Exclusions applicable to the Basic Cover: Suicide within the first year Tax Benefit SBI Life Money Back Plan enjoys Tax benefit u/s 80C and 10(10D) of IT Act* Premiums paid for Critical Illness Benefit qualify for tax exemption under Sec 80D*

*Tax benefits are subject to change in tax laws. Please consult your tax advisor for details.
For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

Introduction: SBI Life Sanjeevan Supreme is a traditional Saving Plan with added advantage of life cover and guaranteed cash inflow at regular intervals tailored to suit all your needs and requirements. This plan is designed for individuals who want to plan for various financial obligations at specified times in life. It provides you with financial support for fulfilling all your long term and short term goals. Further, it offers you a life cover for the term of your choice and that too without burdening you premium payment for the entire term.

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Key Features: T The cover is available at competitive premium rates. h e p l a n h a s a n u m b e r o f m o n e y b a c k o p t i o n s s p e c i a l l y

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s u i t e d t Introduction: o SBI Life - Shubh Nivesh is an Endowment product with an option of Whole Life coverage. The basic y purpose is to provide Savings, Income and Protection to you and your family. Not only you can save o regularly for your future but you also have the flexibility to receive the maturity amount as a lump u sum or as a regular income for a chosen period, depending upon your needs. r n e Key Features: e d A unique Savings cum Protection Plan with the flexibility of Whole Life option as an add-on s . Triple benefits of Wealth Creation, Regular Income and Protection under a single plan has guaranteed cash inflows which can meet your Premium and Regular Premium ItConvenience of premium payment options - Single various financial obligations. Comprehensive risk coverage through 3 Riders: P r Preferred Term Rider o Accidental Death Benefit Rider d u Accidental Total & Permanent Disability Rider c t Option to receive the Basic Sum Assured at regular interval over a stipulated time period of S 5/10/15/20 years. n a Tax benefits as per prevailing norms under the Income Tax Act, 1961 p s How does it work? h SBI Life Shubh Nivesh has two options: o t Endowment Assurance: The

base plan is a traditional endowment plan with simple reversionary bonuses which accrue till the end of the endowment term. The sum assured with all accrued bonuses willPlans Options be paid on death during the endowment term or survival till the end of the endowment B, Plan C, Plan A, Plan term.
Term policyholder has to opt for the Whole Life Endowment option at the proposal stage itself, wherein the sum assured along with the accrued Plan A bonus till the end of the endowment term will be paid to the policyholder, and an Premium Payment Term ( PPT) 6 years amount equal to the basic sum assured will be paid on the life assured attaining 100 Growth / Deferment Period 4 years years of age or on the death of the life assured, if earlier. Whole Life Endowment: The Money Back Period Benefits: 5 years @ 20% Sum Assured p.a.

Total TermBenefit: Depending upon the 15 years Maturity of the Policy plan option chosen: Endowment Assurance (i.e. if Whole Life option is not taken): Premium After completion of endowment term, the Basic Sum Assured + vested Simple Premium Payment Mode Yearly / Half Yearly / Quarterly / Single Premium Reversionary Bonus is paid Age If Deferred Maturity Payment option has been chosen, the accrued bonus will be paid on Minimum Entry Agematurity and the policyholder may choose to receive the sum assured in 18 years the date of regular installments over the next 5/10/15/20 years. Maximum Entry Age 60 years Whole Life Endowment (i.e. Whole Sumoption is taken): Life Assured Minimum Sum Assured Maximum Sum Assured Rs 50000/Rs 5 Crores Riders Available SBI Life - Accidental Death and Permanent Disability Rider: (UIN: 111C001V01)

Benefits: Y Enjoy the benefits of bonus additions for the entire term of the policy. o After completion of endowment term the Basic Sum Assured + vested Simple u Reversionary Bonus is paid. c a n If, Deferred Maturity Payment option has been chosen, the accrued bonus will be paid on the date of maturity and the policyholder may choose to receive the sum assured in regular installments over the next 5/10/15/20 years.

p An amount equal to the basic sum assured will be paid on the life assured attaining 100 a years of age. y Death Benefit: In the unfortunate death of the Life Assured, depending upon the plan option o chosen: f Endowment Assurance (i.e. if Whole Life option is not taken): f Death before the completion of Endowment term: Sum Assured + Simple Reversionary a Bonus (if any) is paid to the nominee l l Deferred Maturity Payment Option has been availed and death happens after the p completion of Endowment term: The Balance amount of the Deferred Maturity Payment r Option, if any would continue to be paid to the legal heirs till the end of the stipulated e period as chosen m i Whole Life Endowment (i.e. if Whole Life option is taken) : u Death before the completion of Endowment term: m Sum Assured + Simple Reversionary Bonus (if any) is paid to the nominee s o v e r a Death after the completion of the endowment term up to 100 years of age: Sum Assured under the Whole Life coverage is paid to the nominee.

If deferred Maturity Payment Option has been availed and death happens after the completion of Endowment term but before the receipt of the final installment under the deferred payment option, the basic sum assured under the Whole Life coverage is paid to the nominee and the balance amount of the Deferred Maturity Payment Option, if any would continue to be paid to the nominee till the end of the stipulated period as chosen s h Other Benefits o Deferred Maturity Payment Option: You have the option to avail the sum assured as r regular payouts over a stipulated period of 5/10/15/20 years. The amount of regular income t payable will be quoted based on the rates available at that time p e Three sets of riders: r Preferred Term Rider: The Preferred Term rider Sum Assured is payable in addition to i normal death benefit o d Accidental Death Benefit Rider: In case death due to an accident, the rider Sum Assured is payable in addition to normal death benefit o f Accidental Total and Permanent & Disability Rider: The rider Sum Assured will be t paid on the Life Assured being found eligible for the Total Permanent Disability Benefit as i defined in the policy document. m e Tax Benefits: Tax benefit as per section 80C and 10(10D) of Income Tax Act. a Shubh Nivesh at a Glance: n d Minimum Maximum Entry Age b e f r e e 18 years 60 years

r o m p a y Maturity Age i n Policy Term g Sum Assured

23 years 5 years Rs.75,000

65 years 30 years No limit

p Mode of Premium Payment: Yearly, Half-Yearly, Quarterly, Monthly & Single Premium r e * For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed m only through ECS, Credit card, Direct debit and SI-EFT i u These are only the brief features of the plan. For more details on risk factors, terms and conditions please m read the sales brochure carefully before concluding a sale. s Introduction: f o SBI Life Flexi Smart Insurance, an Individual, Non-Participating traditional life insurance cum r savings plan, which helps you in fulfilling all your dreams. It gives you flexibility to adapt to your evert changing needs, while assuring guaranteed benefits to take care of your savings. h e

Key Features: r
e s Guaranteed Interest Rate: Guaranteed interest rate of 2.50% p.a., will be guaranteed for the t entire policy term. o f Interim Interest Rate: An interim interest rate will be declared at the beginning of every financial t year, which will be equal to or more than Guaranteed Interest Rate and will be guaranteed for h that year. e Additional Interest Rate: An additional interest rate may also be declared, as on 31st March, p every year, based on the performance of the Company. o Your policy account will be credited with interim interest rate and additional interest rate, if l any i c Superior Flexibilities: y Flexibility in premium frequency -> Yearly, Half Yearly, Quarterly and Monthly. t Option of premium holiday during the policy term. e r Enjoy complete flexibility to increase or decrease your Sum Assured. m Option to choose sum assured multiplier factor (SAMF). , w Option to boost your investments through Top-ups. h i Triple Plan Benefit of guaranteed interest rate, additional interest rate and superior flexibilities. l e

Product Snapshot:
e n Age^ at Entry Min: 8 years j o Age^ at Max: 70 years y Maturity i Sum Assured Min: Annualized Premium 10 n g a l l t h Max: 60 years

Max: Annualized Premium 20

b e n e f i Policy Term t s Premium Paying Term f Premium o Frequency r t Premium h Amounts e e n t i r Top-up e Premium

10 to 20 years (both inclusive) Same as policy term Yearly / Half-yearly / Quarterly / Monthly*** Min Rs 15,000 (X 100)* Rs 8,500 (X 100)* Rs 4,500 (X 50)* Rs 1,500 (X 50)* Max No limit No limit No limit No limit

Yearly Half-yearly Quarterly Monthly -

*In case of mode change it may be in multiples of Re 1 Rs.2,000 (X 100) At any point of time during the policy term, the total top-up premium paid shall not exceed the sum total of regular premiums paid at that point of time

p o l ^All the references to age are age as on last birthday. *** i For monthly mode, 3 months premium to be paid in advance and renewal premium payment is allowed only through ECS, Credit card, Direct debit and SI-EFT c y

Benefits: t
e r On Death m Death benefit is payable only when your policy is inforce. In case of death of the life assured during the policy term, death benefit will be sum of : . Balance of Policy Account at the time of death intimation. Sum Assured. Convenient premium payment options: Single and Multiple premium payment. In case of death of life assured, when policy is in premium holiday mode, death benefit will be sum of : Maturity Benefit Balance of Policy Account at the time of death intimation. At the end of the growth period, you would receive guaranteed payout in 5 years or 10 years, Sum Assured MINUS chosen by premium component along with applicable taxes. depending on the plan option unpaid risk you. The bonuses declared by the company get accumulated for the entire term of the plan and you would receive total bonus along with the final In case of minor life assured, if the proposer dies, no benefit will be paid. For the policy to be installment of Survival benefit. in force, guardian of the life assured should continue paying premiums. Death Benefit In the unfortunate event of death during the term of the plan, the nominee would receive sum On Maturity At maturity we would be declaring terminal interest rate, benefit already paid. assured + vested bonuses, besides receiving of the survival which will be attached to your balance policy account and will be paid to you as on the date of maturity in lump sum. Exclusions applicable to the Basic cover Tax Benefits** Suicide within the first year. F U/s 80C of the Income Tax Act 1961 on your premiums.
o r m o r e

U/s 10(10D) of the Income Tax Act 1961 on your maturity / death / surrender proceeds under the policy.

* Interim Interest rate will be declared at the beginning of every Financial Year. Additional Interest d e Rate may also be declared, as on 31st March, every year. The guarantee is applicable to policies t which are inforce and within the revival period. a **Subject to changes in tax laws. Please consult your Tax Advisor for details.
o n r i s k f a il s

t o r s , t e r m s a n d c Investment Plans o n d i t i o n s

PACL'S Best Investment Plans. 5 YEAR INVESTMENT PLAN, PLAN NO.11


Mode & No. of Instalment ESTIMATED ACCIDENTAL (TOTAL INVESTMENT) YLY HLY QLY MLY RETURN COMPENSATION r
e a d t h e s a l e s b r o c h u r e c a r e f u ll y p l e a s CONSIDERATION e

PACL INDIA LTD INSTALLMENT PAYMENT PLAN NO.11 For 66 Months-5 Years

7500 10000 15000 20000 22500 30000 37500 40000 45000 50000

1365 1820

690 920

350 467 700 934

120 160 240 320 360 480 600 640 720 800

10910 14547 21820 29094 32730 43640 54550 58188 65460 72735

11250 15000 22500 30000 33750 45000 56250 60000 67500 75000

2730 1380 3640 1840

4095 2070 1050 5460 2760 1400 6825 3450 1750 7280 3680 1868 8190 4140 2100 9100 4600 2335

6 YEAR INVESTMENT PLAN, PLAN NO.12


PACL INDIA LTD INSTALLMENT PAYMENT PLAN NO.12 For 72 Months-6 Years Mode & No. of Instalment ESTIMATED ACCIDENTAL CONSIDERATION INVESTMENT) YLY HLY QLY MLY RETURN COMPENSATION 7500 10000 15000 20000 22500 30000 37500 40000 45000 50000 1250 1667 640 853 325 433 650 866 975 110 147 220 294 330 440 550 588 660 735 11550 15400 23100 30800 34650 46200 57750 61600 69300 77000 11250 15000 22500 30000 33750 45000 56250 60000 67500 75000

b (TOTAL e f o r e c o n c l u d i n g a s a l e .

2500 1280 3334 1706 3750 1920

5000 2560 1300 6250 3200 1625 6668 3412 1732 7500 3840 1950 8335 4265 2165

7 YEAR INVESTMENT PLAN, PLAN NO.13


PACL INDIA LTD

INSTALLMENT PAYMENT PLAN NO.13 For 84 Months-7 Years Mode & No. of Instalment ESTIMATED ACCIDENTAL CONSIDERATION (TOTAL INVESTMENT) YLY HLY QLY MLY RETURN COMPENSATION 7500 10000 15000 20000 22500 30000 37500 40000 45000 50000 1075 1433 540 720 275 367 550 734 825 95 127 190 254 285 381 475 508 570 635 12390 16520 24780 33040 37170 49560 61950 66080 74340 82600 11250 15000 22500 30000 33750 45000 56250 60000 67500 75000

2150 1080 2866 1440 3225 1620

4299 2160 1101 5375 2700 1375 5732 2880 1468 6450 3240 1650 7165 3600 1835

CASH DOWN PAYMENT (FIXED DEPOSIT)


PACL INDIA LTD CASHDOWN PAYMENT(FIXED DEPOSITE) RETURN(AMOUNT) CONSIDERATION ACCIDENTAL PLAN NO PLAN NO PLAN NO PLAN NO (TOTAL INVESTMENT) COMPENSATION C1 C2 C3 C4 5 YEARS 6 YEARS 7 YEARS 10 YEARS 7500 10000 15000 20000 22500 30000 37500 40000 45000 50000 13935 18580 27870 37160 41805 55740 69675 74320 83610 92900 15675 20900 31350 41800 47025 62700 78375 83600 94050 104500 17105 22807 34210 45614 51315 68420 85525 91228 102630 114035 27800 37067 55600 74134 83400 111200 139000 148268 166800 185335 11250 15000 22500 30000 33750 45000 56250 60000 67500 75000

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