All company rated by CRISIL & ICRA rating above AA+, means high degree of safety
HDFC Ltd – Fixed
DepositRating - 'AAA' rating for its Deposit products for highest safety from both CRISIL and ICRA for sixteen consecutive years.
Period
|
Interest
Rate
|
15Month
|
10.00% (Yield –
10.12%)
|
33Month
|
10.00% (Yield –
10.90%)
|
↗ 0.25% extra for senior
citizen.
↗ Minimum Investment
Amount Rs20,000 and in multiple of Rs1000.
Company
Profile:
↗ Housing Development Finance Corporation Limited (HDFC Ltd.) was established in 1977. Over the last three decades, HDFC has turned the concept of housing finance for the growing middle class in India into a world-class enterprise with excellent reputation for professionalism, integrity and impeccable service.
↗ Housing Development Finance Corporation Limited (HDFC Ltd.) was established in 1977. Over the last three decades, HDFC has turned the concept of housing finance for the growing middle class in India into a world-class enterprise with excellent reputation for professionalism, integrity and impeccable service.
↗ HDFC has assisted
more than 38 Lakhs customers to own a home of their own, through cumulative
housing loan approvals of over Rs. 3.73 trillion and disbursements of over Rs.
3.02 trillion as at March 31, 2011.
↗ HDFC has a wide
network of 294
offices, catering to over 2,400
towns & cities spread across the country.
↗ HDFC has been able to mobilise deposits from over 10 lac depositors. Outstanding deposits grew from Rs. 1,458 crores in March 1994 to Rs 24,625 crores in March 2011.
↗ HDFC has been able to mobilise deposits from over 10 lac depositors. Outstanding deposits grew from Rs. 1,458 crores in March 1994 to Rs 24,625 crores in March 2011.
↗ Today, HDFC is
recognized as one of the Best Managed Companies in India and is a model housing
finance company for developing countries with nascent housing finance
markets.
Dewan Housing
Finance Ltd – Fixed Deposit
Rating: CARE - AA
, BWR - FAAA & CRISIL - P1
Scheme Name: Aashray Deposit
Plus
Tenor:
400days
Interest
Rate
| |
Amt less
than Rs25L
|
10.75%
(Yield-11.12%)
|
Amt Rs25L
& above
|
11.00%
(Yield-11.39%)
|
Scheme
Highlights:
↗ 0.50% extra interest
rate for Privilege Investor is anybody: Senior Citizens above 60
year, DHFL shareholder (Minimum 1 share required), Widow, DHFL
existing Home Loan customer, Armed Force Personnel.
↗ Min Inv Amt
– Rs10,000 and in multiple of Rs1,000
↗ Under cumulative option,
interest would be compounded half yearly.
↗ Public Trust
/Institutions – AAA rated, net yield
of 12.43%, deposits are eligible for tax exemption under Section 11 (5) (ix)
of Income Tax Act, 1961 (hence no issue of mandate or approval from the
trustees)
Company
Profile:
DHFL – The
Beginning:
↗ DHFL is a housing finance company. Mr. Rajesh Kumar Wadhawan began his mission and the journey began on the 11th of April 1984. DHFL was only the second housing finance company to be set up in the private sector in India.
↗ DHFL is a housing finance company. Mr. Rajesh Kumar Wadhawan began his mission and the journey began on the 11th of April 1984. DHFL was only the second housing finance company to be set up in the private sector in India.
DHFL –
Today:
↗ Over 25 years have
passed since the company’s inception, today DHFL arguably stands
strong as the third largest housing finance company & the second largest
housing finance company in the private sector.
↗ Today, DHFL with
its Corporate Office at Mumbai & its extensive network of 101
Branches, 72 Services Centers, 24 Camps, 6 Zonal officeces, 11Reginoal
Processing offices spread across the length and breadth of the
country.
↗ A Gross Income of INR
33,085.26 lacs, Profit After Tax (PAT) of INR 9347.06 lacs with
disbursements recorded over INR 294402 lacs during Half year of 2010 (from
1 April to 30 September 2010) and serving more than 300000
customers.
↗ DHFL is listed on BSE
& NSE and has been rated CARE AA , BWR FAAA
& CRISIL P1 indicating high standards of business
management.
↗ Faith in our customers
has been amply rewarded by looking at the profits that the company has
made with Net NPA of just 0.73%.
Mahindra & Mahindra
Finance Ltd – Fixed Deposit
CRISIL Rating
- FAAA which indicates a high level of safety.
Period
|
Interest
Rate
|
12Month
|
9.50%
|
18Month
|
10.00%
|
24Month
|
10.25%
|
36Month
|
10.50%
|
Scheme Highlights:
↗ 0.25% extra incentive
for senior citizen and employee.
↗ Min inv amt
is Rs10000 under cumulative option, Rs25000 under quarterly Non
cumulative and Rs50,000 under half yearly non cumulative
option.
Company Profile:
1.
Mahindra and
Mahindra Financial Services Limited is one of India’s leading non-banking
finance companies.
2.
Since 1945,
we, at the Mahindra Group, have remained and will continue to remain partners in
the progress of rural India, through both growth and turbulence.
3.
Given loans
to over 10,00,000 customers belonging to the low income groups have proved to be
a catalyst in helping rural India surge ahead in a big way.
4.
Currently
provide employment to over 6200 people who belong to the areas in which we
serve, ensuring that our employees truly understand their customers.
5.
The Company
is listed on BSE & NSE is Rs.617 as on 24-June-2011.
6.
Market
Capitalization is Rs.6419.40cr as on 24 – June-2011.
7.
Companies
profit grown from Rs.162cr in financial year 2007 to Rs.520cr in
financial year 2011.
8.
Company’s
sale has grown from Rs.829cr in financial year 2007 to Rs.1973cr in
financial year 2011.
9.
The company
has consistent dividend paying track record.
10. The MMFSL Fixed
deposit is given the Crisil rating FAAA which indicates a high level
of safety.
Promoter:
For over five decades, Keshub Mahindra has enabled Mahindra and its people to rise. He joined Mahindra & Mahindra in 1947 and became Chairman in 1963. He continues to be involved with the day-to-day activities of the company today and has literally been the backbone of the company.
For over five decades, Keshub Mahindra has enabled Mahindra and its people to rise. He joined Mahindra & Mahindra in 1947 and became Chairman in 1963. He continues to be involved with the day-to-day activities of the company today and has literally been the backbone of the company.
Anand Mahindra
started off at Mahindra
in 1981 when he joined Mahindra Ugine Steel Co (MUSCO), a major
producer of specialty steels, as Executive Assistant to the Finance
Director. In 1989, he was appointed President and Deputy Managing Director
of the company.
Shriram Transport
Finance Ltd – Fixed Deposit
Rating: The fixed
deposit is rated “FAA /Stable” by CRISIL & “MAA /Stable” by
ICRA.
Period
|
Interest
Rate
|
12Month
|
9.25%
|
24Month
|
9.75%
|
36Month
|
10.75%
|
Scheme
Highlights:
↗ Minimum investment
amount is Rs25000 & above
Company
Profile:
STFC is India’s
largest player in commercial vehicle finance, was established in the year 1979.
One of the largest asset financing NBFC’s in India with a niche presence in
financing pre-owned trucks and small truck owners. STFC is well equipped to
grab the available opportunity in the Indian economy which is pushing towards
higher GDP growth coupled with its plans to enter newer segments and broaden its
product offering which will propel revenue growth and expand margins in medium
term.
Salient
features of the Fixed Deposit:
1.
The company had
over Rs.36,183cr worth of assets under management (AUM) as on FY11
which has grown at a CAGR of 31.50% (FY2007-11).
2.
Total Income has grown
from Rs1421cr in FY2007 to Rs5430Cr in FY2011
3.
Total PAT has grown
from Rs190.4cr in FY2007 to Rs1229.9Cr in FY2011 by record
59.40% CAGR during the same period.
4.
Net NPA’s have
declined to 0.38% as on FY2011 from 1.3% in FY2007 indicating healthy
as quality.
5.
The CAR (Capital
adequacy ration) has improved from 13.60% in FY07 to 24.9% in FY2011
indicating improvement in capital infusion.
6.
Despite increasing
base; STFC has been able to improve its RONW from 17.5% in FY2007
to 25.3% in FY2011.
7.
THE fixed deposit bear
an attractive coupon rate upto 11.00%.
8.
The fixed deposit is
rated “FAA /Stable” by CRISIL & “MAA /Stable” by
ICRA.
United Spirit Ltd –
Fixed Deposit
Rating: MA- (Stable)
from ICRA
Period
|
Interest
Rate
|
12Month
|
11.00%
(Yield-11.46%)
|
24Month
|
11.30%
(Yield-12.73%)
|
Scheme
Highlights:
↗ Minimum investment
amount is Rs25,000 and in multiple of Rs1,000
↗ Under cumulative option,
interest would be compounded quarterly
↗ Post dated interest
warrants will be issued in advance for each financial year
Company
Profile
↗ United Spirits Limited
(USL) is the largest spirits company in India and second largest spirit company
in the world by volume, selling 114 million cases for the fiscal ending March
21, 2011.
↗ The company has 21 millionaire brands (selling more than a million cases a year) in its portfolio and enjoys a strong 59% market share for its first line brands in India.
↗ For the unaudited full year, net profit rose 7.19% to Rs. 403.04 crore in the year ended March 2011 as against Rs. 376.02 crore during the previous year ended March 2010. Sales rose 29.32% to Rs. 6374.16 crore in the year ended March 2011 as against Rs. 4928.92 crore during the previous year ended March 2010.
↗ The company has 21 millionaire brands (selling more than a million cases a year) in its portfolio and enjoys a strong 59% market share for its first line brands in India.
↗ For the unaudited full year, net profit rose 7.19% to Rs. 403.04 crore in the year ended March 2011 as against Rs. 376.02 crore during the previous year ended March 2010. Sales rose 29.32% to Rs. 6374.16 crore in the year ended March 2011 as against Rs. 4928.92 crore during the previous year ended March 2010.
↗ USL has a global
footprint with exports to over 37 countries.
Board Of
Directors:
Dr.
Vijay Mallya -
Chairman
↗ Dr. Vijay Mallya is
the face of the $2 billion UB Group. 52 year-old Dr. Mallya took over
the reins of the United Breweries Group in 1983 at the tender age of 28 and has,
since then, steered the UB Group to a multinational
conglomerate.
↗ Instrumental in shaping the Kingfisher brand as one of the most popular beers across the globe.
↗ Dr. Mallya is a Member of Parliament and on the board of several public companies in India and abroad.
↗ Instrumental in shaping the Kingfisher brand as one of the most popular beers across the globe.
↗ Dr. Mallya is a Member of Parliament and on the board of several public companies in India and abroad.
It's a safe investment in this company fixed deposit
For Investment in this Top Company
Call Rajendra : 800 775 0904
DONT invest with United Spirits or that group. They dont pay up on time. They take their own time to send the maturity amount and worse, they dont even pay the over due interest. Better invest with some PSU banks even if the interest is little low. I have a bad experience with them and I dont know to get their credit rating downgraded. Will try to find out and do it.
जवाब देंहटाएंThanks for your valuable Comments.
जवाब देंहटाएंUseful for new Investor.
I HAD COUPLE OF FD'S WITH UNITED SPRITS AND UNITED BREWARIES,BUT THEY MAINTAINED BY PAYING THE POST DATED CHEQUES THRU INTEGRATED PERFECTLY,THIS IS MY OWN EXPERIENCE,MAY BE IT DEFERS FROM PERSON TO PERSON AND THE INITIATOR(INTEGRATED).CHANDRASEKAR,CHENNAI-95
जवाब देंहटाएंDoes USL still accept FDs?????
जवाब देंहटाएंCurrently USL will accepting FDs
जवाब देंहटाएंInterest Rate 1 year 11% & 11.50% for 2 years