EQUITY

Investment Options

Equity

Bond

Bank FD

Corporate FD

Post Office

PPF

NPS

Top 10 Stocks

TATA Steel

LIC Housing

Reliance

Bajaj Finance

Power Grid

HDFC Bank

Coal India

Axis Bank

Bajaj Auto

Asian Paint

90

90

90

90

90

90

90

90

90

100

Top 10 Analyst

Analyst

% Return (Oct19)

Kaushal Gupta

Vineet Sharma

Ashish Goel

Divya Sharma

Ajay Bhatnagar

Rohit Kapoor

Anuj Das

Priyanka Sharma

Shweta Bansal

Rajeev Mehta

90

90

90

90

90

90

90

90

90

100

Upcoming IPOs

No IPO

Name

Issue Date

Issue Price

Lot Size

P/E

RoNW

P/B

Recommendation

Ujjivan Small Finance Bank

Dec 2-  4, 2019

36-37

400 shares

31x

9.4%

2.7x

Attractive

Upcoming IPOs

No IPO

Name

Issue Date

Issue Price

Lot Size

P/E

RoNW

P/B

Rating

Ujjivan Small Finance Bank

Dec 2-  4, 2019

36-37

400 shares

31x

9.4%

2.7x

Attractive

BOND

Government Bonds

Name Interest
GOI Savings Bond (7 Years Lock-in) 7.75% p.a.
Sovereign Gold Bond 2.5% p.a + Appreciation

Name

Interest

GOI Savings Bond (7 Years Lock-in)

Sovereign Gold Bond

7.75% p.a.

2.5% p.a + Appreciation

Corporate Bonds

Name Yield Maturity Rating
L&T Infra (N2) 10.7% 01-Dec-20 AA+
M&M Fin (N1) 9.1% 06-Jun-26 AAA
SBIN (N2) 8.8% 04-Nov-25 AAA
NTPC (N7) 7.6% 25-Mar-25 AAA
REC (N6) 6.9% 24-Sep-28 AAA

Tax Free Bonds

Name Yield Maturity Rating
REC (N2) 6.7% 19-Dec-27 AAA
NHAI (N9) 6.0% 11-Jan-31 AAA
HUDCO (ND) 5.9% 25-Oct-28 AA+
IRFC (NJ) 5.9% 21-Dec-30 AAA
PFC (N3) 5.9% 17-Oct-35 AAA

Name

Yield

Maturity

Rating

L&T Infra (N2)

M&M Fin (N1)

SBIN (N2)

NTPC (N7)

REC (N6)

10.7%

9.2%

8.0%

7.5%

6.9%

01-Dec-20

06-Jun-26

04-Nov-25

25-Mar-25

24-Sep-28

AA+

AAA

AAA 

AAA

AAA

Name

Yield

Maturity

Rating

REC (N2)

NHAI (N9)

HUDCO (ND)

IRFC (NJ)

PFC (N3)

6.7%

6.0%

5.9%

5.9%

5.9%

19-Dec-27

11-Jan-31

25-Oct-28

21-Dec-30

17-Oct-35

AAA

AAA

AA+

AAA

AAA

FIXED DEPOSIT

Bank FDs

Name Term Interest (p.a)
General Senior Citizen
HDFC 2-3 yrs 6.40% 6.90%
SBI 1-10 yrs 6.25% 6.75%
ICICI 1.5-10 Yrs 6.60% 7.10%
Axis 2-2.5 yrs 6.85% 7.50%
Kotak 390 Days 6.50% 7.00%

Corporate FDs

Name Term Interest (p.a)
General Senior Citizen
LIC Housing 3-5 yrs 7.60% 7.85%
Mahindra Fin 33-40 mos 8.35% 8.45%
Bajaj Finance 3-5 yrs 8.35% 8.70%
PNB Housing 3-4 yrs 8.20% 8.45%
Sriram Transport 45 mos 8.65% 8.90%

Name

Term

Interest (p.a.)

General

Senior Citizen

HDFC

SBI

ICICI

Axis

Kotak

2-3 yrs

1-10 yrs

1.5-10 Yrs

2-2.5 yrs

390 Days

6.40%

6.25%

6.60%

6.85%

6.50%

6.90%

6.75%

7.10%

7.50%

7.00%

Name

Term

Interest (p.a.)

General

Senior Citizen

LIC Housing

Mahindra Fin

Bajaj Finance

PNB Housing

Sriram Transport

3-5 yrs

33-40 mos

3-5 yrs

3-4 yrs

45 mos

7.60%

8.35%

8.35%

8.20%

8.65%

7.85%

8.45%

8.70%

8.45%

8.90%

POST OFFICE

Scheme Interest Term Details
Recurring Deposit (RD) 7.20% 5 years Can be extended for another 5 years
Time Deposit (TD) 1-3 yrs 6.90% 1-3 yrs Automatically renewed at maturity
Time Deposit (TD) 5 yrs 7.70% 5 yrs Automatically renewed at maturity
Monthly Income (MIS) 7.60% 5 yrs Max. 4.5 lakh
Senior Citizen Saving 8.60% 5 yrs Max. 15 lakh
National Saving Certificate (NSC) 7.90% 5 yrs Rebate under Sec. 80C of Income Tax
Kisan Vikas Patra (KVP) 7.60% 113 mos Can be en-cash after 2.5 years

Scheme

Interest (p.a.)

Term

Details

Recurring Deposit (RD)

Time Deposit (TD) 1-3 yrs

Time Deposit (TD) 5 yrs

Monthly Income (MIS)

Senior Citizen Saving

National Saving Certificate (NSC)

Kisan Vikas Patra (KVP)

7.20%

6.90%

7.70%

7.60%

8.60%

7.90%

7.60%

5 years

1-3 yrs

5 yrs

5 yrs

5 yrs

5 yrs

9 yrs & 5 mos

Can be extended for another 5 years

Automatically renewed at maturity

Automatically renewed at maturity

Max. 4.5 lakh

Max. 15 lakh

Rebate under Sec. 80C of Income Tax

Can be en-cash after 2.5 years

Scheme

Interest (p.a.)

Term

Recurring Deposit (RD)

Time Deposit 1-3 yrs

Time Deposit 5 yrs

Monthly Income (MIS)

Senior Citizen Saving

NSC

KVP

7.20%

6.90%

7.70%

7.60%

8.60%

7.90%

7.60%

5 years

1-3 yrs

5 yrs

5 yrs

5 yrs

5 yrs

9 yrs & 5 mos

RETIREMENT PLAN

National Pension Scheme (NPS)

Returns 1 yr 3 yrs 5 yrs
Average 14.0% 9.2% 9.2%
Min. 12.5% 8.3% 8.4%
Max. 15.5% 10.4% 9.9%

Returns

1 yr

3 yrs

5 yrs

Average

Min.

Max.

14.0%

12.5%

15.5%

9.2%

8.3%

10.4%

9.2%

8.4%

9.9%

Public Provident Fund (PPF)

Interest

Min Invest.

Max Invest.

Term

7.9%

₹500

₹1,50,000

15 Yrs

Partial withdrawal after 5 yrs

CHILD EDUCATION & MARRIAGE PLAN

Sukanya Samriddhi Account

Interest

Min Invest.

Max Invest.

Term

8.4%

₹250

₹1,50,000

21 Yrs

Account can be opened up to age of 10 years in the name of Girl Child.
Max. 2 accounts for 2 different Girl.
Premature closure will be allowed after completion of 18 years /provided that girl is married.
Partial withdrawal, maximum up to 50% of balance standing at the end of the preceding financial year can be taken after Account holder’s attaining age of 18 years.

SENIOR CITIZEN

PM Vaya Vandana Yojana (LIC)

Interest

Min Invest.

Max Invest.

Term

8.3%

1.5 lacs

15 lacs

10 Yrs

Senior Citizen Saving Scheme (Post Office)

Interest

Min Invest.

Max Invest.

Term

8.6%

1,000

15 lacs

5 Yrs