Rate Of Interest - Fixed Income (May 2012)

FIVE JEWELS FIXED DEPOSITS SCHEMES

COMPANY SCHEMES RATING MIN. DEPOSIT AMOUNT/MULTIPLE
10000*1000 DHFL-AASHRAY DEPOSIT PLUS SCHEME CARE (AA+) BWR (FAAA) Cum-2000*1000 H/Y- 10000*1000 10000*1000 20000*1000 2000*1000 DHFL-AASHRAY DEPOSIT (36 Months) CARE (AA+) BWR (FAAA) 10000*1000 20000*1000

INTEREST FREQUENCY
Yearly Cum/Half Yrly Qtly Mtly Cum/yrly Half Yrly Qtly Mtly Cum/Half Yrly

6
-

INTEREST RATE (%) 12 24 36M & ABOVE

10.75 10.50 10.38 10.30 10.75 10.50 10.38 10.30 11.00 10.70 10.55 10.45 10.75 11.01 10.62 10.54 11.00 11.28 10.86 10.78 10.50 10.75 10.38 10.30 9.25 9.05 8.95 8.90 9.25 9.05 8.95 8.90 15M-9.75 15M-9.55 15M-9.45 9.40 9.40 9.20 9.10 9.05 9.40 9.40 9.20 9.10 9.05 36-84M 10.75 36-84M 10.50 36-84M 10.38 36-84M 10.30

REMARKS

0.50% extra for Privilege Depositors ( [Link] above 60 yrs, DHFL Shareholders, DHFL H.L Customers, Armed forces Personnel & Widows ), 0.25% extra on single application deposit 25 Lacs and above. Interest Compounded Half Yearly

0.50% extra for Privilege Depositors ( [Link] above 60 yrs, DHFL Shareholders, DHFL H.L Customers, Armed forces Personnel & Widows ), 0.25% extra on single application deposit 25 Lacs and above. Interest Compounded Annually 0.50% extra for Privilege Depositors ( [Link] above 60 yrs, DHFL Shareholders, DHFL H.L Customers, Armed forces Personnel & Widows ), 0.25% extra on single application deposit 25 Lacs and above. Interest Compounded Half Yearly

DHFL-Dewan Housing Finance Ltd.

DHFL-400 Days (For All Category)

CARE (AA+) BWR (FAAA)

10000*1000

Yrly Qtly Mtly Cum/Half Yrly

DHFL-365 Days (For Trust Only)

CARE (AA+) BWR (FAAA)

50000*1000

Yrly Qtly Mtly

0.25% extra on single application deposit 1 Crore and above. For 365 Days Scheme. Interest Compounded Half Yearly

Cum-2000*1000 H/Y- 10000*1000 DHFL-Swayam Sidha Scheme for Women only (500 Days) CARE (AA+) BWR (FAAA) 10000*1000 20000*1000

Cum/Half Yrly Yrly Qtly Mtly Cum Yearly

0.50% extra for Women depositors in the segment such as Senior Citizens , Widows, Armed Forces Personnel, DHFL shareholders and DHFL Home Loan Borrowers . Ist depositor should we woman. Interest Compounded Half Yearly 36-47M 9.50 48-60M 9.25 36-47M 9.50 48-60M 9.25 0.25% extra for Sr. citizen above 60 years. Compounded Annually. Interest 36-47M 9.30 Rates for deposits below Rs. 1 Crore only. Approval Required for Deposit Rs. 48-60M 9.05 1 Crore and Above 36-47M 9.20 48-60M 8.95 36-47M 9.15 48-60M 8.90 36-47M 9.50 48-60M 9.25 36-47M 9.50 48-60M 9.25 0.25% extra for Sr. citizen age 60 years. Compounded Annually. Interest 36-47M 9.30 Rates for deposits below Rs. 1 Crore only. Approval Required for Deposit Rs. 48-60M 9.05 1 Crore and Above 36-47M 9.20 48-60M 8.95 36-47M 9.15 48-60M 8.90 33M-9.75 33M-9.75 33M-9.55 33M-9.45 0.25% extra for Sr. citizen above 60 years. Compounded Annually. Interest Rates for deposits below Rs. 1 Crore only.

HDFC (Individual Deposits)

CRISIL (FAAA) ICRA (MAAA)

20000*1000 Half Yrly Qtly 40000*1000 Mtly Cum

HDFC- Housing Development Finance Corporation Ltd.

Yearly HDFC (Trust Deposits) CRISIL (FAAA) ICRA (MAAA) 20000*1000 Half Yrly Qtly 40000*1000 Mtly Cum HDFC PLATINUM CRISIL (FAAA) ICRA (MAAA) 20000*1000 Yearly Half Yrly Qtly 40000*1000 10000*1000 Mtly Cum Half Yrly Qtly

15M-9.40 18M 9.25 9.75 9.00 8.90

10.00

MAHINDRA FINANCE

Mahindra Finance Ltd

CRISIL "FAAA"

25000*1000 50000*1000

Cum/Yrly

9.25

33M-9.40 36M-10.25 48-60M 9.75 36M-10.00 0.25% extra for Sr. Citizen above 60 years/Employee. Renewal only principal 9.75 amount. Interest Compounded Annually 48-60M - 9.50 36M-9.90 9.65 48-60M - 9.40 36M-10.75 9.75 48M-10.75 60M 10.75 9.52 0.25% extra for Sr. citizen age 60 years. 36M-10.47 48M-10.47 Interest Compounded Annually. Post Dated Interest Cheque of each F/Y will be issued in advance 60M 10.47 36M-10.34 48M-10.34 60M 10.34 36M-10.25 48-60M 10.00 0.25% extra for Sr. citizen above 60 years. Interest Compounded Monthly in cumulative and Quarterly option. Interest is paid by way of ECS/NEFT/Interest warrants. Post dated Interest cheques for each F/Y will 36M-10.50 be sent in advance 48-60M 10.25

SHRIRAM TRANSPORT FINANCE LTD.

SHRIRAM UNNATI

CRISIL"FAA+" ICRA "MAA+"

25000*1000

Half Yrly

9.05

Qtly

8.95

9.41

10000*1000 upto 25Lacs Guaranteed by Government of Kerala >=2500000*1000

10.25

10.25

KTDFC

Kerala Transport Development Finance Corporation Limited

Cum/Mtly/Qtly 10.50 10.50

* ROI is subject to change. Please confirm with your serviceing branch before submission of application form.

Rate Of Interest - Fixed Income (May 2012)

Notes:ROI structure may revise without prior notice. Its advisable to consult Branch before deposit of application.

FOCUSED FIXED DEPOSITS SCHEMES

COMPANY RATING Min. Deposit Amount
10000*1000 10000*1000

6
10.00 -

INTEREST RATE 12 24
11.00 10.50 11.00 11.00

REMARKS 36
11.50 Interest Compounded Monthly Post dated Interest cheques for each F/Y will be sent in advance

Ansal Housing & Construction Birla Power Solutions Ltd

Birla Shloka Edutech Ltd

NEW

10000*1000

11.50

12.00

11.50 0.50% Extra only for Shareholder, 0.25% extra for amount to or above 1 Lakh, Interest Compounded Half Yearly Post dated Interest cheques for each F/Y will be sent in advance 0.50% p.a. additional interest to Senior Citizens (60 Years & above), 12.50
0.25% p. a. Single deposit of Rs. 1,00,000/- and above, (for a period up to two years) subject to maximum of 12.50 p.a. Option to receive int. [Link] qtrly/half yrly basis for senior citizens only. 0.50% p.a for Employee / warrants on (60 yrs). Interest Compounded Quarterly, Post

Ind Swift Ltd

10000*1000

11.00

11.50

12.00

Dated Principal and Interest Cheque of each F/Y will be issued in advance

Jaiprakash Associates Ltd

20000*1000

11.50

11.75

12.25

12.50

Max. Amt. per investor for six mts duration - Rs. 10 Lakh, Interest Compounded Mnthly, Post Dated Interest Cheque of each F/Y will be issued in advance

Jaypee Infratech Ltd.

20000*1000

11.50

11.75

12.25

12.50

Kores India Ltd.

Cum 10000*5000 Qtly 25000*5000 25000*1000

11.50

9.00 11.75

9.50 12.25

Maximum Amt. per investor for six mts duration - Rs. 10 Lakh Interest Compounded Monthly, Post Dated Interest Cheque of each F/Y will be issued in advance 11.00 Interest compounded on quarterly basis. 0.25% p.a. extra for Senior Citizens (Age 60 years and above). Pan Mandatory Interest Compounded Quarterly, Post Dated Principal Cheque will be issued in advance falling more than one category will be get only 0.25%. Interest Compounded Quarterly

Neesa Leisure Limited Pratibha Shipping

12.50

10000*1000

11.00

11.50

12.00 0.25% p.a for [Link], Employee & single deposit Rs 100000 and above. If Investor

Surya Roshni Ltd. Unitech Limited

Cum-10000*1000 Non cum-30000 25000*1000 10000*1000

11.50 -

10.50 11.50 10.00

11.50 12.00 10.50

12.00 12.50 11.00

Interest Compounded Yearly Renewal only Principal Amount. Interest Compounded Monthly on deposit of 1 year and more in cumulative 0.25% extra for above 1 lac in a single application. 0.50 % extra for Sr. citizen, Employee & Share holder (Min. 100 share)

Valecha Engineering Ltd

OTHER FIXED DEPOSITS SCHEMES

Ansal Properties & Infrastructure Ltd Alembic Ltd. Apollo Hosp. Ent. Ltd. CRISIL "P1+" CRISIL "FAA+" Cum-50000*1000 Non-Cum 100000 50000*10000 25000*1000 5000*1000 10000*1000 25000*1000 5000*1000 5000*1000 10000 20000*1000 CRISIL "FAA-" 20000*5000 10000*1000 10.00 12.00 9.50 9.00 11.00 10.50 9.50 11.00 11.00 9.25 8.00 9.00 12.25 9.00 9.25 11.50 11.00 10.00 11.50 11.00 9.00 8.25 9.50 12.50 9.00 9.50 12.00 11.50 10.50 12.00 11.00 8.50 9.00 8.50 10.00 0.50% p.a for Sr. Citizen(60Yrs) & 0.75% p.a. for Share holder, min 1 Share Monthly Interest min 50000*10000 0.25% p.a for Shareholders 0.25% p.a for Sr. Citizen & Shareholders. Compounded Half Yearly
0.50% extra for [Link]/Employees/[Link] (No Minimum limit) Interest Compounded Quarterly

0.25 % extra on deposits of Rs. 5 Lacs & Above

Avon Corporation Ltd

Birla Cotsyn (India) Ltd Ceat Ltd Damodar Threads Ltd. Darcl Logistics Dcm Shriram Consolidated Ltd Deepak Nitrite Ltd Fenner India Ltd Gabriel India Ltd

0.25% extra for 1 lac and above in a single application. 0.25% p.a for [Link], Shareholders & Employees

COMPANY
Gati Ltd. Godrej Industries Limited Godrej Boyce & Manufact. Ltd. Godrej Boyce & Manufact. Ltd. Gujarat Apollo Industries Ltd (Sr. citizen Amt less than 1Lacs) Gujarat Apollo Industries Ltd (Sh. Holder/Sr. citizen) Helios & Matheson Ion Exchange (India) Ltd Jagsonpal Pharma Jindal Stainless Steel Ltd Jindal Cotex Ltd. J K Corp.(Jk Lakshmi Cement Ltd) J K Industries (Jk Tyre & Ind. Ltd) J K Paper Ltd. Mahindra & Mahindra Ltd Ocl India Ltd.

RATING

Min. Deposit Amount

21000*1000 10000*1000 15000*1000 101000*1000 50000*10000 100000*25000 25000*1000 25000

6
13M-7.75 10.00 8.13 -

INTEREST RATE 12 24
10.00 9.00 11.00 12.00 7.00 10.00 8.75 12.00 8.00 9.00 8.50 8.50 9.25 11.50 10.00 10.25 9.00 11.50 9.50 9.50 10.00 10.50 8.50 9.50 11.00 12.00 7.50 10.00 9.00 12.25 8.50 9.25 9.00 9.00 11.75 10.50 10.25 9.50 11.75 10.50 9.50 11.00 11.50

REMARKS 36
11.00 9.25 10.00 10.00 10.00 11.00 12.00 8.00 10.00 9.25 12.50 8.50 9.50 9.50 9.75 9.00 12.00 11.00 10.25 10.50 12.00 11.00 9.75 12.00 11.75 0.25% for Sh. Holder(100)/Sr. Citizen(60yrs). If Investor in both category will get only 0.25% Interest Compounded Quarterly 0.25% for Sr. citizen if deposit 1 Lacs and Above. Additional Amount Accpeted for renewal. Interest Compounded Quarterly Post dated Interest cheques for each F/Y will be sent in advance Interest Compounded Quarterly Post dated Interest cheques for each F/Y will be sent in advance 0.25% extra for above 1 lac in a single application. Interest compounded half yearly
0.50% p.a for [Link](Age-65) / Emp & Sh. Holder. Min 100 shares Interest Compounded Quarterly 0.25% p.a for Employees, Retired Employees, Spouses of Deceased Employees/Retired Employees. 0.25% p.a for Employees, Retired Employees, Spouses of Deceased Employees/Retired Employees.

0.50% p.a for Shareholders, Employee of company

0.50 % for Sr. Citizen amt less than 1Lacs. Cum only 36M multiple is 25000

MA

12&24M-10000 36M-5000*1000 21000*1000 25000*1000 20000*1000 20000*5000 10000*1000 25000*1000 25000*1000 15000*1000 10000*1000 10000 25000*1000 10000*1000 21000 12-10000, 24&36-5000 10000*1000 25000*1000

Cum Interest Compounded Quarterly Non-Cum interest payable Mthly/Qtrly 0.25% extra for [Link](60yrs)/Employees/[Link] (500 Share) Interest compounded on quarterly basis. Pan Mandatory Only Cumulative Scheme 0.50% p.a for [Link] (60yrs), Shareholder & Employee, amount to or above 5 Lacs.

Parsvnath Developers Ltd

Pae Limited (Only Non Cum Inst Pay Qtly) Prism Cement Limited Pudumjee Pulp (Only Mumbai & Pune) Sejal Glass Shri Ram Pistons & Rings Ltd. Supreme Petrochem Talbros Automotive Components Ltd UB Holdings Ltd

0.25% p.a for [Link] (60yrs), Shareholder (Min 1 Share) & Employee. Interest Compounded Quarterly ECS Compulsory. No additional Amount
0.50% for Sr. Citizen(60 yrs), Sh. Holder, Employees, Defence / Para-Military Personnel, ExServicemen, Ph. Handicaped. Min. No. of Share 500

United Spirits
Zenith Birla (India) Ltd.

ICRA "MA-"

25000*1000 10000*1000

11.00 10.50

11.50 11.00

11.50

FRESH DEPOSIT ACCEPTED ONLY FROM SHAREHOLDER'S

Aplab Ltd Bombay Swadeshi Stores Ltd. 10000-Half/Cum 20000-mthly 10.00 11.00 10.50 11.50 11.00 12.00 0.50% p.a for Sr. Citizen and Share holder

ONLY RENEWALS

COMPANY
Abt Ltd. Aegis Logistics Amrit Corp. Ltd. (Amrit Banaspati Ltd ) Aplab Ltd The Bombay Dyeing & Manuf. Co. Ltd. Bharat Bijlee Ltd Bombay Swadeshi Stores Ltd. Borax Morarji Ltd Choksi Imaging Limited D.S Kulkarni Developer Ltd. Excel Industries Food & Inns Ltd Force Motor

RATING

Min. Deposit Amount

10000*1000 25000 5000*1000

6
-

INTEREST RATE 12 24
10.00 9.00 9.50 10.00 9.00 11.00 9.50 10.50 11.00 9.00 10.50 10.00 10.00 10.50 9.50 11.50 10.00 11.00 9.50 11.50 10.00

REMARKS 36
11.00 10.50 10.50 11.00 10.50 10.00 12.00 10.50 11.00 11.50 10.00 12.00 11.00 Single deposit of Rs.5 lacs & above required prior approval from the company for Monthly or Quarterly interest payment, interest compounded half yearly
Renewal of only principal Amount. 0.50% ROI extra for opting ECS option in interest payable + 0.50% ROI extra For Preferred Depositors (like Shareholders, Flat holders, Employees of Dsk

Only Principal Amount

0.50% p.a for Sr. Citizen & Shareholders, min 100 shares

20000*5000 10000*1000 10000-Half/Cum 20000-mthly

0.50% p.a for [Link], Employees & Shareholders(Min 1 Share)

0.50% p.a for Sr. Citizen and Share holder

10000 25000*1000

10000 12&24M10000*5000 36M-25000*5000 10000*1000 10000*1000

Godrej Properties Ltd. Ind Swift Lab Ltd. J B Chemicals Ltd Jagatjit Industries Ltd Jct Ltd Jmc Project (India) Ltd. Lyka Labs Ltd Milk Food Ltd. ICRA - "MB+" ICRA - "MA-"

9.00 11.00 8.00 10.50 11.00 9.00 10.50 10.50 9.00

9.50 11.50 9.00 11.00 11.50 9.50 11.00 11.00 9.50

10.50 12.00 10.00 11.50 12.00 10.00 12.00 11.50 11.00 0.25% p.a. additional for Share Holders Interest Compounded Monthly. Maturity after 24May'12, compulsory refund. Only Principal Amount. 0.25% for Share Holder 0.50% p.a for [Link] & Employee Network 18 group Additional Cheque Accepted Accepted from Individuals, HUFs & Minors (in the name of Guardian) 0.50% Extra -[Link] 0.50% p.a for Employee / [Link] (60 yrs), Interest Compounded Quarterly, Post Dated Principal and Interest Cheque of each F/Y will be issued in advance

50000*1000 10000*1000 10000*1000

5000*1000 10000 25000*1000. Qtly 50000

10.00 10.00 -

Mukand Ltd

Mukund Engineering Network 18 Media & Investments Ltd. Network 18 Media & Investments Ltd.(Trust deposit 25 Lacs and above) Network 18 Media & Investments Ltd. (Corporates) Sayaji Ltd. Supreme Industries Supreme Industries TV18 Broadcast Ltd/Network 18 TV18 Broadcast Ltd/Network 18 (Trust deposit 25 Lacs and above) TV18 Broadcast Ltd/Network 18 (Corporates) ICRA "MA-" ICRA "MA-" ICRA "MA-" ICRA "MA-" ICRA "MA-"

10000*1000 10000*1000 2500000*1000 10000*1000

Non Cum=9 Non Cum=9 Non Cum=9

9.25 11.50 11.50 11.50 9.00 8.25 8.50

9.75 11.50 11.50 11.50 10.00 8.50 8.75 11.50 11.50

11.50 11.50 11.50 11.50 11.00 8.75 9.00 11.50 11.50

10000 10000 10000*1000 2500000*1000

Non Cum=9

Shareholders, Employee & Sr. Citizen 0.50% p.a for [Link] & Employee Network 18 group

11.50 11.50

Non Cum=9

ICRA "MA-"

10000*1000

Non Cum=9

11.50

11.50

11.50

Vadilal Industries

5000*1000

10.00

10.00

10.50

1% extra for Shareholders

Rate Of Interest - Fixed Income (May 2012)

Notes:ROI structure may revise without prior notice. Its advisable to consult Branch before deposit of application.

RATE LIST - GOVT. COMPANIES / PSUs/SUBSIDIARIES

COMPANY
Canfin Homes Ltd. Deutsche Postbank Home Finance Limited Hudco (Ind/Trust) National Housing Bank (Sunidhi) Nhb Suvridhi (Tax Saving) (ind/huf only) Pnb Housing Sidbi ( Individuals & Huf ) (Trust)

RATING
ICRA (MAA+) MAA+ ICRA CRISIL "FAA" ICRA "MAA" CRISIL "FAAA" CRISIL "FAAA" CRISIL "FAA+" "AAA" CARE

Min. Deposit Amt.

5000*1000 20000 10000*1000 50000*10000 10000*10000 10000 10000*1000

12
9.75 7.75 9.40 9.50

24

RATE OF INTEREST 36 48 60 72
9.50 8.75 9.40 9.25 8.50 8.75 9.00 8.50 8.75 9.00 9.25 9.25 8.50 8.50

84
8.50

REMARKS
0.50 % extra for Sr. Citizen
(0.25% extra for Senior Citizens) (Required Approval above 20 Lacs)

9.75 8.25 9.40 9.50

8.50 0.25% extra for Senior Citizens(60yrs). Required Approval above 25 Lacs. Interest
Compounded Quarterly. Non-cum Min 50000*5000 0.60% for Sr. Citizens, Max Agg not exceed 1 Crore per depositor. 0.60% Senior Citizens, Max limit upto 1 Lac in a fin. Year. Approval Required

9.50

9.50

9.75

9.75

9.75

9.50

9.50

(0.50% Senior Citizens). Approval require 1 Crore & above in 5-7 yrs (0.50% Senior Citizens)

(12 to 13) 9.50

(14 to 36) 9.25

(37 to 60) 9.00

RATE LIST- NBFC"S /HOUSING FINANCE COMPANIES

COMPANY
Exim Bank (Upto 1 Crore) First Leasing - (Yrly Option) ICICI Home Finance

RATING
CRISIL "FAAA" ICRA "MAAA"

Min. Deposit Amt.

10000*1000 5000
Annual-10000 Qtrly-20000 Monthly-40000

12
9.25 9.00 9.00

24

RATE OF INTEREST 36 48 60 72
9.25 9.00 9.00

84

REMARKS
0.50% for [Link], Required Approval above 50 Lacs. For Corporate or Trust ROI quated separately & above 1 Cr in Retail ind.).

9.25

CARE "AA+" MAAA

9.00

9.00

9.00

8.75

Upto Rs. 1 Cr (0.25% for sr citizen)

Lic Housing Finance Gruh Finance (Ind & Trust) Sundaram Home Finance (Regular) Tamilnadu Power Finance Tamilnadu Power Finance (Sr. Citizen Age 58)

CRISIL "FAAA" FAA+ (CRISIL) MAA+ (ICRA) MAA+

10000*1000 1000 10000*1000 10000*1 10000*1

9.00 9.25 9.25 9.25 9.50 12M

9.25 9.75 9.50 9.50 9.75 15M 9.50

9.50 9.50 9.50 10.00 10.50 20M 9.50 9.50 9.50 10.00 10.50 35M 9.00

9.50 9.50 9.50 10.00 10.50 45M 9.00

18M-9.00 9.50

For Sr. Citizen amt upto 50,000 - 0.10% & amt 51,000 - 0.25% extra. Required Approval above 5 Crore.

9.50 (Ind. Dept Min.1000) ( Mthly =20,000, Qtrly & Annual = 2000) (0.25% for sr citizen & Trust) 0.50 % for sr citizen (60yrs) Cheque/ DD payable at Chennai Cheque/ DD payable at Chennai

PERIOD
ICICI Home Finance (Special) FAAA

60M 8.75 Upto Rs. 1 Cr (0.25% for sr citizen)

9.25

BONDS Capital Gain Bonds: ( Tax Saving u/s 54EC) NHAI National Highway Authority of India
Minimum Amount Minimum Bond Period Rate of interest Rs. 10000 1 (one) Bond 3 years ( lock in). 6.00% p.a.
Rating AAA/Stable

REC ( Rural Electrification Corporation Ltd)

Minimum Amount Minimum Bond Period Rate of interest Rs. 10000 1 (one) Bond 3 years (lock in) 6.00% p.a.
Rating AAA/Stable

No TDS

Govt. of India Saving Bonds - 8% Taxable) in ( SBI* / PNB / ICICI / IDBI / HDFC / AXIS ) 8% Rate of Interest Minimum Amount 1000 * 1000
Charitable Trust TAX examptiom certificate require for NON deduction of TAX, Every Year Require

* Only Selected centers