Why MF ? What Investor

wants ?What is ULIS ?Why not ULIS ?

Mutual Fund / Equity Investment

Best and Safest !!!! Option for wealth creation

Proper Allocation of Equity and Debt Products

Investing as per the profile of Investor ( Wide Range of Products are available from 100 % Equity to 100 % Debt )

Ready to wait attitude, timing and Systematic approach to investment Now Nomura Asset Management Japan holds 60% in LIC MF

Equity Investment definitely perform If………….

LICMF PRESENTS It's UNIQUE PRODUCT

WITH MULTIPLE BENEFITS

IT IS OPEN ENDED BALANCE FUND WITH MULTIPLE BENEFITS

Asset allocation : 65 – 80 % Equity

And

20 – 35 % Debt

OBJECTIVE OF THE FUND TO GENERATE LONG TERM CAPITAL APPRICIATION, OFFER TAX

EXEMPTION ALONG WITH SOME ADDITIONAL BENEFITS LIKE LIFE INSURANCE AND ACCIDENTAL

DEATH COVER

Parameters: Age at Entry: 12 to 60 Years Max Age at Maturity: 70 Years Fund type and Option Balance Fund – Div

Reinvest Minimum Life Insurance 10,000/- for 10

years 15,000/- for 15

years Maximum Life Insurance 15,00,000/- Maximum Acc. Death Cover 7,50,000/- Entry Load: 0% Exit Load: Nil Premature Withdrawal: After 3 Years Partial Withdrawal Allowed Mode of Payment Single, Yearly, Half

Yearly, SIP Term 5 – 10 – 15 Years

Death within six months of investmentRepurchase value of units

Death between six months & 1 yr of investmentRepurchase value + ½ of the target amount

INSURANCE COVER

Death Benefit : Type of CoverDeath Benefit : Type of Cover

Death after one year of investment(a) Single Premium & Regular Premium (Uniform Risk Cover)

NAV of Accumulated Units + TARGET AMOUNT

(b) Regular Premium (Reducing/Decreasing Risk Cover)

NAV of accumulated Units + UNPAID CONTRIBUTION TO TARGET AMOUNT

LIFE INSURANCE COVER ON Rs.1000 INVESTMENT

TERM YEARLY HALF YEARLY SIP

10 YEAR 1,000*10 = 10,000 1,000*2*10=20,000 1,000*12*10=1,20,000

15 YEAR 1,000*15=15,000 1,000*2*15=30,000 1,000*12*15=1,80,000

In case of Single Plan Investment amount = Target amount = Life Insurance

WHAT IS MAXIMUM LIMIT FOR INVESTMENT ?

TERM YEARLY HALF YEARLY SIP

10 YEAR 1,50,000*10 = 15,00,000 75,000*2*10=15,00,000

12,500*12*10=15,00,000

15 YEAR 1,00,000*15=15,00,000 50,000*2*15=15,00,000

8,300*12*15=14,94,000SINGLE PREMIUM - NO LIMITSINGLE PREMIUM - NO LIMIT

Requirement for Life insurance up to Rs. 15,00,000 + Acc. Death cover up to Rs. 7,50,000 ( Total 22,50,000) for ages between 12 to 60 is Common

application + copy of PAN card or KYC

WHAT IS TARGET AMOUNT ?

Every time when investor pays his installment – Life Insurance Premium is deducted from that initial investment.

Any time during the year when fund declares Dividend – It gets reinvested without any load at ex- Div NAV.

In case of uniform risk cover at any time during the period if investor dies , Nominee becomes eligible for NAV of accumulated units plus TARGET AMOUNT.

In case of accidental death nominee becomes eligible for NAV of accumulated units plus Double the TARGET amount ( Subject to Maximum Accident benefit limit of Rs. 7.5 lacs)

On maturity investor becomes eligible for NAV of all Accumulated units ( From his investment as well as dividend reinvestment) plus

GUARANTEED MATURITY BONUS !!!

INSURANCE PREMIUM FOR 15,00,000 INSURANCE + 7,50,000 ACCIDENTAL DEATH COVER

AGE 10 YEAR TERM ( i.e

from Rs. 1,50,000 )

Cost per 1,00,000

Insurance

15 YEAR TERM ( i.e from

Rs. 1,00,000 )

Cost per 1,00,000

30 2259 (1.50 %) 150.60 1659 (1.65 %) 110.60

35 3241 (2.16 %) 216.06 2421 (2.42 %) 161.40

40 5058 (3.37 %) 337.20 3841 (3.84 %) 256.06

45 8286 (5.52 %) 552.40 6167 (6.61 %) 411.33

50 13297 (8.86 %) 886.46 9825 (9.82 %) 655.00

55 19044 (12.69 %) 1269.60 15485 (15.48 %) 1032.30

60 30201 (20.13 %) 2013.40 *************** ***********In case of reducing cover insurance cost for age 60 for 15 lacs is Rs. 13336/-

only.

ACTUAL INVESTMENT COST

AGEAGE INSURANINSURANCE CE

ULIS ULIS YLY YLY PREMIUPREMIUMM

ENDOWMEENDOWMENT PLAN NT PLAN YLY YLY PREMIUMPREMIUM

YOU YOU SAVESAVE

3030 15,00,00015,00,000 1,00,001,00,0000

1,01,2951,01,295 1,2951,295

3535 15,00,00015,00,000 1,00,001,00,0000

1,02,7501,02,750 2,7502,750

4040 15,00,00015,00,000 1,00,001,00,0000

1,05,2121,05,212 5,2125,212

4545 15,00,00015,00,000 1,00,001,00,0000

1,09,2251,09,225 9,2259,225

5050 15,00,00015,00,000 1,00,001,00,0000

1,15,5551,15,555 15,5515,5555

5555 15,00,00015,00,000 1,00,001,00,0000

1,25,5941,25,594 25,5925,5944

AGAGEE

INSURANINSURANCECE

ULIS ULIS COST COST

( 15 ( 15 Yr Yr

Term Term ))

TERM TERM INSURANINSURANCE COST CE COST (15 Yr (15 Yr

Term )witTerm )without hout

Accident Accident RiderRider

YOU YOU SAVESAVE

3030 15,00,0015,00,0000

16591659 35403540 18811881

3535 15,00,0015,00,0000

24212421 44104410 19891989

4040 15,00,0015,00,0000

38413841 61056105 22642264

4545 15,00,0015,00,0000

61676167 89708970 28032803

5050 15,00,0015,00,0000

98259825 1360513605 37803780

5555 15,00,0015,00,0000

1548154855

2091020910 54255425

INSURANCE COST

WE OFFER NAV PLUS GUARANTEED MATURITY BONUS ON MATURITY

AGE

INSURANCE

ULIS PREMIUM COST

MATURITY BONUS @ 15% of Target Amount

NET GAIN OVER PREMIUM

30 15,00,000 1659*15=24885

2,25,000 2.00,115

35 15,00,000 2421*15=36315

2,25,000 1,88,685

40 15,00,000 3841*15=57615

2,25,000 1,67,385

45 15,00,000 6167*15=92505

2,25,000 1,32,495

50 15,00,000 9825*15=147375

2,25,000 77,625

55 15,00,000 15485*15=232275

2,25,000 (-) 7275

Consistent Dividend RecordConsistent Dividend Record:YEARYEAR DIVIDENDIVIDEN

DDYEARYEAR DIVIDENDDIVIDEND

1989-901989-90 12.50%12.50% 1999-001999-00 10.00%10.00%

1990-911990-91 13.00%13.00% 2001-022001-02 10.00%10.00%

1991-921991-92 13.50%13.50% 2002-032002-03 7.50%7.50%

1992-941992-94 15.00%15.00% 2003-042003-04 17.00%17.00%

1994-951994-95 7.50%7.50% 2004-052004-05 20.00%20.00%

1996-971996-97 6.00%6.00% 2005-062005-06 28.00%28.00%

1997-981997-98 10.00%10.00% 2006-072006-07 44.00%44.00%

1998-991998-99 NILNIL 2007-082007-08 30.00%30.00%

Why not ULIS ?

Why not ULIS ?

Why not ULIS ?

Now in this fund Debt shall be 35% which shall be managed by experts

from LIC Mutual Fund and Equity 65% shall be managed by professional

fund managers from Nomura Asset Management Company Japan

Comparison with other similar Comparison with other similar products products SIP INSURANCE offered by two or three MFs offers Life insurance up to age at entry 45 only. Maturity age is restricted to either 55 or 60.

They offer this product only through SIP where we offer multiple options.

On maturity they offer only NAV – Whereas we offer NAV + GMB

UTI ULIP offers GMB as 5 % or Max 7.5 %

They charge Exit Load subject to condition – Ours is NIL

Limited Liquidity – Once you discontinue SIP and wants to withdraw you have to pay exit load or have to stay till the SIP period.

Ours is Balance / Div Reinvestment option where as UTI ULIP is debt oriented and others are offering 100 % equity funds ( Which go either way in terms of performance )

UTI ULIP Offers Accidental Death cover of Rs. 50,000 only irrespective of Investment.

UTI ULIP do not option for 5 year term

Minimum Investment under SIP mode is Rs. 1,000 other than UTI ULIP

We offer 120 times insurance of SIP in 10 year term and 180 times for 15 year term…

We allow STP also … Which is not the case with any other product

For UTI ULIP SIP through PDC you have to deposit 24 months cheques in advance

Comparison with other similar Comparison with other similar products products

All Kinds of Mutual Funds available in the market.

Monthly Income Plans Retirement Planning Child Education Planning Mediclaim from Reputed Private Standalone

mediclaim company. Complete Customer Satisfaction

guaranteed.

Contact Details:

SATYA PRAKASH MISHRAAddress:201 , B- Wing 2, Gayatri Darshan,near- Saraswati School,Tulinj Road, Nalasopara (East).City: Mumbai - 401209State: MaharashtraMobile:             +91 9326651020      Email: satya5678@sify.com