77005138 Summer Training Project Report (1)

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    SUMMER TRAINING PROJECT REPORT

    Opportunities of Fund Mobilisation by Peerless in Gorakhpur(a comparative analysis with PostOffice),

    In the Partial fulfillment of the requirement for

    MBA Degree Programmeof Utter Pradesh Technical University Lucknow

    Under The Guidence Of:Vimal Tiwari (Branch Manger)The Peerless General Finance & Investment Company

    Gorakhpur Branch 416 Madhurika Enclave 2nd Floor,

    Opp. SBI Bank Road, Gorakhpur

    Submitted By:

    DURGESH SHARAN TRIPATHIRoll No. 0412370013

    MBA IIIrd Semester2004 2006

    TABLE OF CONTENTS

    PREFACE

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    1. Acknowledgent

    2. Declaration

    3. Company Profile

    4. Company Current Profile

    5. Product & scheme

    6. Opportunities of Fund Mobilisation by Peerless in

    Gorakhpur.

    Part-I

    Part-II

    Part-III

    Part-IV

    7. Findings

    8. Suggestions

    9. Conclusion

    PREFACE

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    As a part of my curriculum in Master of Business Administration from

    U.P.Technical University, Lucknow through Saroj Institute of

    Technology and Management, Lucknow. I had gone through my

    project report on Opportunities of Fund Mobilisation by Peerless

    in Gorakhpur (a comparative analysis with PostOffice),

    which would lead to develop my Managerial Skills and some sort of

    Marketing strategies.

    Summer training is the mode of importing practical to the

    student. The objective is to prove deep insight in to practical

    aspects of the functioning of the organization. The summer

    training appraises the student actual function,

    responsibil i ties and problem faced by an organization .It

    provides h im with the knowledge of the var ious k inds of

    problems that crop up in the day today funct ioning of the

    organization, the way they are solved manager at the crucial

    time.

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    I am fortunate enough to complete my summer training at

    Peerless General Finace and Investment Company

    Gorakhpur. This has give me an altogether new experience,

    which would be of immense help to me in my days to come.

    (Durgesh Sharan Tripathi)

    M.B.A. IIIrd SEM

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    ACKNOWLEDGEMENT

    With a sense of gratitude I would like to express my thanks to

    Mr. Anil Kumar Vyas ( Senior Lecturer S.I.T.M Lko ), who guides and

    supported me from time to time in making this report successful one

    I am heartly thankful to my H.O.D (Mechanical Engineering,

    SITM) Col. A.P. Pandey and all faculty members, who helped me to

    make this report.

    .

    Ashutosh Kumar

    B.Tech IIIrd Year

    DECLARATION

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    I Durgesh sharan tripathi student of MBA IIIrd semester SITM, Lucknw

    Batch 2004 2005 Roll No. 04123700013 hereby declare that summer training report

    topic Opportunities of Fund Mobilisation by Peerless in Gorakhpur (A

    Comparative analysis with Post Office).The out come of my won work and the

    some has not been submitted to any university/institution for the award of any degree

    or professional diploma.

    Date: Durgesh Sharan TripathiPlace: LUCKNOW MBA IIIrd Semester

    SITM , LUCKNOW

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    COMPANY PROFILE

    The Peerless General Finance & Investment Company.

    The Peerless General Finance & Investment Company Limited,

    popularly known as " PEERLESS " have a front ranking position in

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    mobilising small savings with most in mobilising small saving with

    almost 70% share among Residuary Non Banking Financial Companies.

    Incorporated in 1932 as "The Peerless Insurance Co Ltd", a leading

    swadesi insurance company is now known as "The Peerless General

    Finance & Investment Co Ltd". Today Peerless is the market leader in

    the area of savings & investments and has emerged as India's largest

    Registered RNBC (Residuary Non-banking Company), having.

    A wide distribution network of 166 Service Points and 9 Regional Offices

    through-out India

    Above 80% of its funds are invested in Govt. Approved Categories of RBI

    Lacs of agents across India

    It's strong network and constant endeavour to offer need-based products and

    superior customer services have enabled Peerless build anexcellent brand

    image.

    With its core competence ofmobilising savings from the grass-root level,

    Peerless continues to serve the nation by helping the common people to

    develop a habit to save and grow their savings . The company covers not only

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    the urban and semi-urban areas of the whole country, but it also penetrates deep

    into the remote, inaccessible terrains of rural India, for encouraging people of

    limited resources to save. This extraordinary rural penetration has gone a long

    way in popularising Peerless, as " a household name " in the country's domestic

    savings market.

    Board of Directors

    1 - Shri. D. N. Ghosh

    Chairman

    2 - Shri. A.K. Chatterjee

    Vice Chairman

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    3 - Shri. S.K.Roy

    Managing Director

    4 - Shri. S.M. Datta

    Director

    5 - Shri. D.Basu

    Director

    6 - Shri. A.C.Chakrabortti

    Director

    7 - Shri.N.H.Thanawala

    Director

    8 - Shri A. K. Chatterjee

    Director

    9 - Shri. B. Lahiri

    Director ( Operations )

    The change that we are looking for is a shift from a commission-driven

    collection-based organisation to a product-driven market-based organisation, to

    benefit the customers.

    --D N Ghosh(Chairman)

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    Our aim is to emerge as the country's largest financial super market in the

    private sector, for doorstep retail distribution of not only our own products but all

    kinds of financial products under one umbrella.

    --S K Roy(Managing Director)

    History of Peerless

    Over the years Peerless has emerged as India's Oldest and Largest Residuary

    Non-banking Company. It earned the distinction of being a household name in

    the area of savings and investment and ventured to mobilise savings at remote

    areas of India which were hitherto untapped.

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    COLLECTIONS

    (Rs. in Crores)

    (Figures in Lacs)

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    MATURITY PAYMENT(Rs. in Crores)

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    The Founder

    A humble beginning... late Radhashyam Roy

    The Peerless Insurance Co. Ltd. launched in 1932 by a 33-year old high school

    teacher, Late Radhashyam Roy, and like minded idealist friends, at Dhakas

    port of Narayanganj, now in Bangladesh.

    Directing the nationalistic fervor of the time to business endeavor to address the

    insurance needs of Indians, a sector then monopolised by foreign companies.

    Starting with paid up capital of Rs.300, it became a leading Provident Insurance

    Company, before moving to Kolkata.

    Following nationalisation of life insurance in 1956, focus turned on small

    savings : Indias first Non-banking Finance Company

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    The Pioneer

    Architect of modern Peerless...Late B K Roy

    For the first time, the concept of doorstep service was introduced by Late B K

    Roy for mobilising small savings from semi-urban and rural areas, even from

    remote villages.

    Free insurance benefit against accidental death, introduced in the year 1972 with

    savings schemes, to enable Indians save with confidence.

    Introduced the concept of direct marketing through relationship and rural

    marketing by engaging agents through its Swarojgar Yojana.

    Agency system designed to promote self-employment and leadership qualities

    among millions all over the country, while ensuring operational control of a

    massive infrastructure.

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    Philosophy

    Peerless believes in certain philosophies in achieving its corporate objective -

    "Excellence in Customer Service".

    The following strategies have been adopted towards its Investors, Employees,

    Agents and the platform for Service Delivery -

    Investers

    Offering a wide spectrum of need based Schemes along with excellence in

    service. Our focus is on total satisfaction of the Customer and this will continue to

    figure as our top most priority..

    Human Resource Management

    To Institutionalise Total Customer Responsiveness by :

    Providing flexibility by empowering people

    Learning from the best world class processes

    Adapting to change while remembering that change does not mean rejection of

    the past. It means relearning currently prevalent philosophy for a brighter future

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    Continuing to achieve our goals through active cooperation and involvement of

    our people who are our biggest strength.

    To become the benchmark of corporate teamwork

    Financial Advisors

    Providing excellent self-employment opportunities with ample scope of earning to

    countless men and women across the country.

    Our objective is to help them build up stable, secure, rewarding and prestigious

    marketing career under our Swarojgar Yojana

    Information Technology

    Enabling efficient and prompt service to our customers by continuously

    upgrading our IT service delivery platform.

    Adopting state-of-the-art technology across branches & service centers and

    progressing networking initiatives.

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    Investment policy

    Our objective has been to provide our certificate holders a safe platform for

    depositing their savings and to ensure earning reasonable returns.

    Today, over 80% of the corpus of depositor's funds lie invested in Government

    Securities and other Approved Investments..... and that is our humble

    contribution to the national cause.

    The Company's Investments have been on a path of steady & consistent growth

    over the years.

    Whether it's saving for that holiday you've always wanted, or a hassle free life

    after retirement, investment guide can help you take an informed decision.

    The following sections explain the importance of saving and suggests good

    strategies on how to save, highlights of building a balanced financial portfolio,

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    things to consider before you make decisions to invest, what our customers say

    on the benefits they have experienced by investing in our financial products.

    Making money is not an event or a particular action that happens or has to be

    done; making money is more of a process. It may appear slow and almost

    invisible but the process has to be religiously followed - The first step is to Save

    Saving results in accumulating capital for investing. With this acquired capital you

    can invest in other types of more profitable investments. You should be saving 10

    to 15 percent of your earnings regularly every month. Some people even manage

    to save 20 percent of their income.

    Getting into the habit of saving is important. You and your family must save to

    have an emergency fund / secured future. People with fluctuating income, few

    job benefits, and little job security may need a larger emergency fund. Families

    with two wage earners may need a smaller emergency fund. As a rule it is best to

    have three to six months of take-home pay in a savings account, which has a

    good liquidity so that you can withdraw for emergencies. If you don't have an

    emergency fund you need to increase your savings. A payroll deduction plan into

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    a Savings Account or a Recurring Deposit is often the most painless way to

    achieve the best results. On the other hand, if you have been saving a surplus,

    you may want to consider using these funds for investing in a Fixed Deposit.

    Budget your expenses. Let us take an example to show how saving only the

    price of a cup of tea and compound interest can do wonders with your money.

    Say you save the price of a cup of tea at Rs 1.50 each day with a good financial

    institute. Assuming you religiously save it every day at 4% compound interest

    and you do not withdraw anything you will have saved by five years Rs 4040, by

    fifteen years Rs. 15369 and by thirty years Rs. 42338. Saving can be easier than

    you think. Streamline your financial expense and make your money work for you.

    http://www.peerless.co.in/product/prod_month_savings.htmhttp://www.peerless.co.in/product/prod_children_edu.htmhttp://www.peerless.co.in/product/prod_month_savings.htmhttp://www.peerless.co.in/product/prod_children_edu.htm
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    Identify how much you can save. Before you can save, calculate the amount

    of money that you can put to saving on a regular basis without putting stress on

    your financial situation. You have plenty of options. You can choose between

    Daily, Monthly, Half-yearly, Quarterly or Annual Recurring Deposits.

    Choose a convenient fixed Deposit Scheme. You can even invest a fixed

    amount in ourFixed Deposit saving scheme for a period ranging from One and

    half years to three years.

    What you could buy with Rs 100 five years ago certainly cannot be bought

    today. It is clear that if you are to cope with even a mild inflation, you must

    undertake investment strategies that maintain your real purchasing power;

    otherwise, you are doomed to an ever-decreasing standard of living. Investing

    requires a lot of planning, make no mistake in this regard. Romantic novels are

    replete with tales of great family fortunes lost through neglect or lack of

    knowledge on how to care for money. They had not worked to keep their money.

    Even if you trust all your funds to an investment adviser or a financial institution,

    you still have to know which adviser or which institution is most suitable to handle

    your money and your savings.

    http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b2%23b2http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b1%23b1http://www.peerless.co.in/invest_guide/save.htm#b2%23b2
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    You have budgeted and identified an amount to save monthly. By investing, you

    want to put the money you saved to grow, making more money and increasing

    your wealth. Now you need to work out a good Financial Plan. Good investments

    will make money; bad investments will cost money. Do your homework. Gather

    as much information as you can. Seek advice of trained financial advisors and

    financial institutions of repute. Read newspapers, magazines and other

    publications. Identify credible information sources on the Internet.

    Understand the risk vs expected return relationship : When you are saving

    and investing, the amount of expected return is based on the amount of risk you

    are willing to bear with your money. Generally, the higher the risk higher is the

    expected return. For lesser risk, an investor should expect a smaller return. For

    example, a deposit with a good financial institution that offers an assured return

    on maturity of the deposit , the "return" or "interest paid" on your savings / deposit

    will generally be less than the expected "return" on other types of risky avenues

    of investments.

    On the other hand, the return from investment in a capital market is not assured

    or guaranteed because it is subject to market risks & fluctuations. The amount

    invested may even be eroded if the portfolio does not perform as expected.

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    How much risk do you want to take? Here are some tips to consider while

    determining the amount of risk that best suits you.

    Financial goals. How much money do you want to accumulate over a

    certain period of time? Your investment decisions should reflect your

    wealth-creation goals.

    Time horizon. How long can you leave your money invested? If you will

    need your money in one year, you may want to take less risk than you

    would if you would not need your money for 20 years.

    Financial risk tolerance. Are you in a financial position to invest in risky

    alternatives? You should take less risk if you cannot afford to lose your

    investment or have its value diminish.

    Inflation risk. This reflects savings' and investments' sensitivity to the

    inflation rate. For example, while some investments such as a savings

    account have no risk of default, there is the risk that inflation will rise above

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    the interest rate on the account. If the account earns 5 percent interest,

    inflation must remain lower than 5 per-cent a year for you to realize a profit

    and "grow your wealth".

    Liquidity of your investment is one of the most important factors to take into

    account. How easily can you access your money? Is there a facility for

    premature withdrawal in case of an emergency? Is the "lock in period" low or

    high? Is there a facility for obtaining a Loan against the Deposit to help you

    overcome interim financial needs without withdrawing your deposit? If so, can it

    be adjusted against the Maturity Proceeds? Are the loan repayment rules flexible

    enough? These are important questions, as uncertain future events or

    emergency may require you to withdraw your money prematurely or avail a loan

    against the deposit to overcome emergency with / without obligations of regular

    repayment of the loan.

    Other Value Added Benefits, apart from increasing the value of your

    investment, other benefits like Accidental Death Insurance, Critical Illness

    Insurance, Life Insurance . Or even Saving while Shopping, with exciting

    discounts at thousands of establishments across India with a 'savings card'

    offered by your financial institution ! These could be extra incentives that should

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    be considered. And above it what if these are provided to you absolutely free

    of cost ?

    Create a well balanced portfolio A well balanced diet: meat, fruits, vegetables,

    grains and dairy products; leads to a healthy body and mind. Similarly your

    money should be spread across different types of investments in a well balanced

    manner to create a healthy financial portfolio. There are different types of

    investment products. Each brings different advantages and returns and may

    have other value added benefits attached with them. For example flexibility,

    liquidity, minimum deposit / loan amount, insurance coverage or some other

    special incentives e.g. Peerless Saving Card. You should know how much risk

    you can cope with based on your financial situation and take into consideration

    aspects like Term of the Deposit, Flexibility, Liquidity factors, Insurance coverage

    and also how easily you can withdraw the money in case of an emergency. Each

    type of investment will have its own strong point. Balance these different types of

    investment like balancing the protein, carbohydrates and fat contents in your diet.

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    Vast Distribution Network

    Peerless has strong infrastructure and human resources consisting of

    employees, agents, financial advisors and a vast countrywide network of

    branches & service centers. Together, they constitute an invaluable asset and a

    rare strength. This astounding strength coupled with constant endeavour to improve

    customer services, has helped the Company build-up an excellent brand image.

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    Our Network of Offices :

    Head Office & Registered Office

    Peerless Bhawan,

    3 Esplanade East, Kolkata 700 069

    Marketing / Development Office at

    1, Chowringhee Square, Kolkata 700 069

    166 Service Points across India.

    9 Regional Offices - At Kolkata, Guwahati, New Delhi,

    Mumbai, Ahmedabad, Chennai, Trissur and Hyderabad, .

    4 Regional Computer Centres - At New Delhi, Mumbai, Chennai

    and Hyderabad.

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    Central Data Processing Centre at

    1, Chowringhee Square , Kolkata 700 069

    Service Sector

    Peerless has gone beyond savings & investments, expanding itself into certain

    other key areas in the service sector, like health-care, hospitality, financial

    services, housing etc. Such forays have given it an enviable Brand Image.

    Subsidiaries and Connected Enterprises

    Peerless Hospitex Hospital & Research Center Limited

    360 Pancha Sayar, Garia, Kolkata 700 094

    Dial : +91.033.24622394

    Peerless Hospitex Hospital & Research Center Limited PEERLESS's foray into

    health-care is synergic with its corporate culture : rendering myriad forms of

    service to the society, and to enrich the quality of life. Attuned to this corporate

    philosophy, Peerless Hospitex Hospital & Research Center Limited opened up a

    http://www.peerlesshospital.com/http://www.peerlesshospital.com/
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    whole new vista of the latest and state-of-the-art, health-care facilities in this part

    of the subcontinent.

    Its 300-bed multidisciplinary, super-speciality hospital, Peerless Hospital & B.K.

    Roy Research Center is a marvel in health-care, with excellent diagnostic and

    treatment facilities in cardiology, neurology, orthopedics, ophthalmology,

    gastroenteritis and general surgery etc.

    Peerless Hotels Ltd.

    12, J L Nehru Road, Kolkata 700 013

    Dial : +91.033.22280301/22280302

    The Peerless Group of Hotels. A family of hotels and resorts spread across

    Kolkata, Durgapur, Port Blair ( Andaman ) and Mukut Manipur.

    Timeless traditions of Bengali culture find home in The Peerless Inn, along with

    modern amenities. The discerning traveler is left spellbound with our gentle

    etiquette. The Peerless Inn is friendly, warm and modern with an aesthetically

    pleasing ambience.

    Peerless Securities Ltd.

    1, Chowringhee Square, 2nd Floor, Kolkata 700 069

    Dial : +91.033.22131407/1379

    http://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerlesshotels.com/http://www.peerlesshotels.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerless.co.in/other_services/other_vent_sec.htm
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    Peerless Securities Ltd. is amongst India's prominent names for Financial

    Services - Share & Stock Broking, Trade Settlements and Depository Services. A

    corporate member of the National Stock Exchange of India Ltd. and the Kolkata

    Stock Exchange Association Ltd. An agent of UTI, RBI Relief Bonds and Mutual

    Fund.It enjoys a high level of trust; a position further enhanced with the company

    joining the National Securities Deposit Ltd. as a Depository Participant.

    Bengal Peerless Housing Devlopment Co. Ltd.

    6/1A, Moira Street , Kolkata 700 017

    Dial : +91.033.22836227/6230

    The Government of West Bengal in an effort to combat the problem of Housing

    formed Joint Sector Companies with West Bengal Housing Board and Private

    Entrepreneurs. Thus Bengal Peerless Housing Development Company Limited

    was formed in 1994 with West Bengal Housing Board and The Peerless General

    Finance and Investment Company Limited.

    Peerless Travel Pvt. Ltd.

    6A, A.J.C. Bose Road Kolkata 700 017

    Dial : +91.033.22479269/1052

    http://www.bengalpeerless.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerlesstravel.co.in/http://www.bengalpeerless.com/http://www.peerless.co.in/other_services/other_vent_sec.htmhttp://www.peerlesstravel.co.in/
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    Peerless Travel Pvt. Ltd. provides a whole gamut of travel related services. The

    Group has experienced success in a number of ventures in diverse fields, the

    most prominent being in the hospitality division. The travel wing is being

    managed by a team of professionals with several years of experience in the field

    of Travel trade. We are an IATA (International Air Transport Association)

    accredited organization and a member of TAAI (The travel agents association of

    India) .

    Other Services

    Social service is very much a part of the Company's activities. Peerless

    Polyclinics in various parts of Kolkata & Milan Thirtha an Old Age Home at

    Baranagar are some of the tangible instances of the company's continuing social

    commitment.

    Poly Clinics

    Polyclinic at 5/2 Fakir Dey Lane,

    Address : Dumdum, Kolkata 700012

    Ph : 22378343

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    Peerless Diagnostic & Child Guidance Centre, Address : 223 Central

    Avenue, Kolkata 700 006

    Ph : 25558171

    Polyclinic

    Address : 5/3A,DumDum,Kolkata 700 030

    Ph : 25577115

    Polyclinic

    Address : 190 Sarat Bose Road, Kolkata.

    Ph :24664173

    Polyclinic

    Address : 4 Roy M N Chowdhury Street, Baranagar, Kolkata 700 036

    Ph : 25579520

    Oldage Home

    Milan Tirtha,

    ddress : 4 Roy M N Chowdhury Street, Baranagar, Kolkata 700 036

    h : 25579520

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    The assures full safety of money deposited with The Peerless

    General Finance & Investment Co. Ltd.

    Deposits mobilised are invested strictly in accordance with the Residuary Non-

    Banking Companies (Reserve Bank) Directions, 1987 (RNBC). To ensure safety

    of your money, over 80% of our investments are presently held in Govt.

    approved categories, including large investments in Govt. Securities etc.

    The strong Peerless Branch Network.

    The company has a vast distribution network of 166 Service Centers & 9

    Regional Offices across various states in India, apart from its Head Office,

    Marketing / Development and Centralised EDP Center at Kolkata.

    Peerless schemes promise abnormally high returns.

    No. Current schemes of the Company provide reasonable, competitive and

    assured returns during the tenure, without being affected by market fluctuations.

    All the schemes are flexible

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    Peerless offers A Scheme For Every Dream : Our

    schemes are tailor-made financial solutions to suit various

    Income groups as well as diverse Savings & Investment

    needs.

    Options available for Daily, Monthly, Quarterly, Half-

    yearly and Yearly recurring Deposits.

    Options available for Fixed Deposits ranging from a

    period of One and Half years. to three years.

    Our Schemes offer safety along with attractive returns

    and value added benefits.

    High liquidity is available through facilities of

    Prematurity Withdrawals & Loans. Adequate flexibility is

    built-in through easy Loans on Deposits even for short-

    duration schemes, with options to choose your own re-

    payment terms.

    The various value additions that Peerless provides

    to its Depositors .

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    By forging strategic alliances with market leaders, Peerless also offers the

    following types of value-added privileges to its Certificate-holders through its

    deposit schemes :-

    Free Accidental Death Insurance Benefit, as per

    contract.

    Free Critical Illness Insurance Cover, as per contract.

    Free Life Insurance Cover, as per contract.

    Free Peerless Savings Card - for availing attractive discounts on purchases from

    thousands of establishments countrywide (conditions apply).

    The factors make Peerless unique

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    Prompt Doorstep Service to depositors through a

    countrywide network of 171 Service Points and lakhs of

    Peerless Agents / Financial Advisors.

    First Company in India to pioneer the concept of

    Payment Melas at convenient places, closer to customers

    doorsteps, facilitating prompt payment of maturity proceeds.

    First Company in India to pioneer the concept of

    "Designated Banker" to ensure full safety of depositor's

    money.

    Unblemished, default-free track record of having

    disbursed over Rs. 6500 Crores to more than 1.5 Crore

    satisfied depositors across India.

    Rich heritage of over 70 years; Trusted by Millions of Depositors

    The other areas of activity

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    Peerless Hospital & B.K. Roy Research Centre An

    ISO 9002 certified, multi-disciplinary super-speciality

    Hospital.

    Peerless Polyclinics - Catering to the under-privileged

    in need of medical attention.

    Old-Age Home Caring for the needy Senior Citizens

    of Society.

    Peerless Securities- Our financial services company,

    offering stock / security broking, investment advisory and

    depository services.

    Peerless Hotels - At Kolkata, Durgapur & Andaman

    Favorite attractions for Tourists as well as Business

    Travellers.

    Bengal Peerless Housing Development Company Ltd.

    - Building quality Homes, not merely Houses, in

    collaboration with the Govt. of West Bengal.

    Peerless Travels Offering excellent Travel, Tour and Leisure Packages.

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    Head Office & Regional Offices

    Name & Address Phone No.

    Head Office 'Peerless Bhavan'

    3, Esplanade East,

    Kolkata-700 069

    033 2248 3247/3001,

    033 2243 6758,

    033 2220 3740

    Fax : 033-2248 5197

    Development Office

    1-Chowringhee Square,

    Kolkata - 700 069

    033 2248 9353, 033 2243 4828

    Fax : 033-2248 9701

    HO/Annexe 13-A,

    Dacres Lane,

    Kolkata-700 069

    033 2248 8996/1103

    Peerless Computer Centre

    1 Chowringhee Square, 1st

    Floor

    Kolkata -700 069

    033 2242 8317/8318/8319

    Fax : 033-2242 0118

    Eastern Regional Office

    13A, Dacres Lane, 1st Floor

    Kolkata - 700 069

    033 2242 1001/1564 /0809

    North Eastern Regional Office

    Ulubari Chariali, G S Road,

    Gauhati - 781 007

    0361 2523878/2522146

    Northern Regional Office 011 23346421 / 23340683

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    61, Regal Building (East)

    Connaught Place,

    New Delhi - 110 001

    011 23744869

    Western Regional Office

    UNIT -I

    World Trade Centre, Centre

    -I, 19th Floor

    Cuffe Parade Colaba

    Mumbai - 400 005

    022 22183291/22187334

    022 22159250/22153168

    Western Regional Office

    UNIT -II

    Sanskrut,Old Gujrat High

    Court Road,

    Off Ashram Road,

    Ahemedabad - 380 009

    079 6581247

    Southern Regional Office

    UNIT -I

    Raheja Complex,

    834, Anna Salai, 2nd Floor,

    Chennai 600 002

    044 28535326/28530335

    Southern Regional Office 0487 2323877/2323878

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    UNIT -II

    Suharsha Towers, 3rd Floor

    Round North, Trissur

    -680001

    South Central Regional Office

    1-7-143, Kancharla Towers,

    Golconda X Croads,

    Musheerabad,

    Hyderabad - 500 020

    040

    27617176/27617177/27602243