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Bajaj Capital India’s oldest & largest Investment Advisory and Financial Planning company

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Bajaj Capital : Key Facts
Over 42 years’s experience as Investment Advisor and Financial Planners More than seven lakh satisfied customers all over India Countrywide network of over 142 branches Wide range of financial products and services Strong team of 1500 Qualified and experienced professionals like Certified Financial Planners, Chartered Accountants, Tax Experts and MBA’s. Bajaj Capital being a corporate body will serve you till the maturity of your scheme i.e. 5/10/20/30 years. We can serve you any where in India which an individual agent can not do. Impartial and independent Advice. Bajaj Capital does not have any shareholding in any Mutual Fund / Insurance Company and neither any Mutual Fund / Insurance Company has any stake in Bajaj Capital. Hence we give best advice in the interest of our clients.
Please contact us today Please Visit | Write | Phone | E-mail us for complete details Ph. 011-41693000 New Delhi, For all metro cities call: 39881010 E-mail: info@bajajcapital.com

CROREPATIES
You, your wife and all your children can become Crorepaties by investing Rs. 1000/- per month each

Create wealth by investing in the growth schemes of top-ranking diversified Equity Mutual Funds of your choice through Systematic investment plan(SIP) . Bajaj Capital represents Mutual Funds promoted by State Bank of India, Life Insurance Corporation of India, Pru ICICI, HDFC, TATA,Birla, Reliance, Templeton, Fidelity etc.

Bajaj Capital Ltd., Bajaj House, 97, Nehru Place, New Delhi-19, India Call Centre: 39881010 Visit us at: www.bajajcapital.com
Also At: United India Life Building, F-Block, Connaught Place, New Delhi - 110001, India. Ph.: 41790444 (30 Lines), 23314600

For more details, please Contact us

Drashti Investments drashti.investments@rediffmail.com
© All rights reserved in favour of Bajaj capital ltd. Reproduction of this brochure in whole or in part without written permission of the Company is prohibited. Immitation of any Label, Graphics & Colours is a Criminal & punishable offence.
Risk Factors:- All investments in mutual funds are subject to market risks. Please read offer document of the Mutual Fund before investing. The Net Asset value (NAV) of the Scheme(s) may go up or down depending upon the factors and forces affecting the stock markets. There can be no assurance that the objectives of the Scheme(s) will be achieved. #Past performance of the Sponsor, AMC, Mutual Fund or any associates of the sponsor /AMC does not indicate the future performance of the scheme(s) of the mutual Funds. *Growth charts are worked out @18% p.a. assumed return in diversified equity mutual funds, although for the last 10 years return of diversified equity mutual funds has been around 35% p.a in top performing equity mutual funds. Charts shown in this booklet give a hypothetical example indicating power of compounding, rupee cost averaging and benefit of long term equity investments.

“Top Ranking Indian Mutual Funds gave highest returns for the last 10 years: up to 35% PA.” Times of India, News Delhi, Date:-20-11-06

Since 1964

Bajaj Capital Financial Planning and wealth creation Guide

Bajaj Capital Financial Planning and wealth creation Guide

MAKE YOUR CHILDREN CROREPATIS
…by investing only Rs 1,000 per child per month
By investing as little as Rs. 1000 per month, and your children can hope to get a rupees one crore (as per chart below) each when they are grown up and needs it the most. Create wealth through Systematic Investment Plans (SIP) of top-ranking Equity Mutual Funds growth schemes. Bajaj Capital represents Mutual Funds promoted by State Bank of India, Life Insurance Corporation of India,Pru ICICI, HDFC, Tata, Reliance, Franklin Templeton, Fidelity etc.Growth calculation chart as under:

YOU CAN GET AROUND RS. 35 LAKHS OR MORE
for your Child’s Foreign/Higher Education
by investing Rs. 2,000 per month each
Give your child a great start in life. By investing as little as Rs. 2,000 per month, and you are likely to accumulate Rs. 35 lakhs by the time your child is ready for higher studies when he or she is of 20 years of age or so. Create wealth through Systematic Investment Plans (SIP) of top-ranking Mutual Funds growth schemes . Bajaj Capital represents Mutual Funds promoted by State Bank of India, Life Insurance Corporation of India, Prudential ICICI, HDFC, Tata, Reliance, F r a n k l i n Te m p l e t o n , F i d e l i t y etc.Growth calculation chart as under:

POWER OF COMPOUNDING POWER OF COMPOUNDING
RS. 1000 PER MONTH IS LIKELY TO GROW TO Rs. 1 CRORE OR MORE AS FOLLOWS
Year amount Year amount

RS. 2000 PER MONTH INVESTED IN THE SIP (SYSTEMATIC INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 35 LAKH OR MORE AS FOLLOWS
Year amount Year amount

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

12000 26160 42869 62585 85851 113304 145698 183924 229030 282256 345062 419173 506624 609816 731583 875268

17 18 19 20 21 22 23 24 25 26 27 28 29 30 30.4

1044816 1244883 1480962 1759536 2088252 2476137 2933842 3473934 4111242 4863265 5750653 6797771 8033369 9491376 10145591

Anytime withdrawl allowed

1 2 3 4 5 6 7 8 9 10

24000 52320 85738 125170 171701 226607 291397 367848 458061 564511

11 12 13 14 15 16 17 18 19 20

690123 838346 1013248 1219633 1463166 1750536 2089633 2489767 2961925 3519071

Anytime withdrawl allowed

Impact of inflation on higher education
If the expenses on higher education are Rs. 5 lakhs today, after 20 years these will be Rs. 25 lakhs. Inflation assumed @ 5%

TIP TO MAKE SEVERAL CRORES OF RUPEES In case you want to invest more than Rs.1000/- per month, you should do it in the growth schemes of different Mutual Funds. For instance if you want to invest Rs. 5000/- per month, you should invest in 5 different Mutual Funds and you are likely to get Rs. 1 crore from each Mutual Fund, making a total of Rs. 5 Crores.
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds This is a hypothetical example showing power of compounding and benefit of long term equity investment

Give your children smooth landing in life. Give them higher education to have an edge over others in life
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds This is a hypothetical example showing power of compounding and benefit of long term equity investment

Bajaj Capital Financial Planning and wealth creation Guide

Bajaj Capital Financial Planning and wealth creation Guide

YOU CAN GET AROUND RS. 35 LAKHS OR MORE
for your Daughter’s Wedding
by investing Rs. 2000 per month
Start investing today to give your little daughter a gala send-off. By investing as little as Rs. 2000 per month, you can hope to accumulate Rs. 35 lakhs by the time your daughter is ready for marriage i.e when she is 20 year old or so. Create wealth through Systematic Investment Plans (SIP) of top-ranking Mutual Funds. Bajaj Capital represents Mutual Funds growth schemes promoted by State Bank of India, Life Insurance Corporation of India, Prudential ICICI, HDFC, Tata, Reliance, Franklin Templeton, Fidelity etc. Growth calculation chart as under:

YOU CAN GET RS. 50 LAKHS OR MORE To buy your Dream House/Flat in any locality of your choice
POWER OF COMPOUNDING

POWER OF COMPOUNDING
RS. 2000 PER MONTH IN THE SIP (SYSTEMATIC INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND (GROWTH SCHEME)
Year amount Year amount

Just by investing Rs. 3000 per month
Start investing Rs. 3000 per month in the Systematic Investment Plans (SIP) of top ranking diversified Equity Mutual Funds (growth scheme) and your money is likely to grow as per this chart. Create wealth through Systematic Investment Plans (SIP) of top-ranking Mutual Funds.Bajaj Capital represents Mutual Funds promoted by State Bank of India, Life Insurance Corporation of India, Prudential ICICI, HDFC, Tata, Reliance, Franklin Templeton, Fidelity. etc.

RS. 3000 PER MONTH INVESTED IN THE SIP (SYSTEMATIC INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW FROM Rs. 50 LAKH TO RS. 1 CRORE AS UNDER
Year amount Year amount

1 2 3 4 5 6 7 8 9 10

24000 52320 85738 125170 171701 226607 291397 367848 458061 564511

11 12 13 14 15 16 17 18 19 20

690123 838346 1013248 1219633 1463166 1750536 2089633 2489767 2961925 3519071

Anytime withdrawl allowed

Impact of inflation on marriage expenses in future
If the expenses on good style of marriage are Rs. 5 lakhs today, after 20 years are likely to be around Rs. 25 & 30 lakhs. Start investing from today and lead worry free life. Inflation assumed @ 5%
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds This is a hypothetical example showing power of compounding and benefit of long term equity investment

1 2 3 4 5 6 7 8 9 10 11 12 13

36000 78480 128606 187756 257552 339911 437095 551772 687091 846767 1035185 1257519 1519872

14 15 16 17 18 19 20 21 22 23 23.8

1829449 2194750 2625805 3134449 3734650 4442887 5278607 6264756 7428412 8801526 10075945 one crore

Anytime withdrawl allowed
Avoid loan from Bank for peaceful life. Investment in SIP (Systematic investment plan) of top-ranking diversified Equity Mutual Funds growth schemes will help you to accumulate huge funds conveniently in due course of time for buying your dream House/Flat with your own money .
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds This is a hypothetical example showing power of compounding and benefit of long term equity investment

Bajaj Capital Financial Planning and wealth creation Guide

Bajaj Capital Financial Planning and wealth creation Guide

Make your retired/old age comfortable and honourable
Earn your own Pension upto Rs. 2 lakhs per month
You and your wife can invest Rs. 1000/each and both of you are likely to get Rs. 1 crore each, i.e. total Rs 2 crore.
Create wealth through Systematic Investment Plans (SIP) of top-ranking Diversified Equity Mutual Funds (Growth Schemes). Bajaj capital represents Mutual Funds promoted by State Bank of India, Life Insurance Corporation of India, Pru ICICI, HDFC, Tata, Reliance, Franklin Templeton, Fidelity etc. Growth calculation chart as under:

Your ONE TIME Investment of Rs. 50,000/can grow to Rs. 1 crore or even more
Invest just ONE TIME investment of Rs. 50,000 in the growth scheme of any of the top ranking Diversified Equity Mutual Fund of your choice. You are likely to get around Rs. 1 crore or more over the period as per the chart given below:

Growth Calculation Chart
The following chart shows how your investment of Rs. 50,000 grows through the amazing power of compounding.
Year amount Year amount

POWER OF COMPOUNDING
Year amount Year amount

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

12000 26160 42869 62585 85851 113304 145698 183924 229030 282256 345062 419173 506624 609816 731583 875268

17 18 19 20 21 22 23 24 25 26 27 28 29 30 30.4

1044816 1244883 1480962 1759536 2088252 2476137 2933842 3473934 4111242 4863265 5750653 6797771 8033369 9491376 10145591

PROVISION FOR PENSION
When you get this amount in lump-sum some amount can be invested in regular interest paying Government Schemes paying currently around 9% p.a and some amount can be invested in Diversified Equity Mutual Funds (Dividend pay out option) where approximate yield has been around 18% p.a in the past. You and your wife can expect to earn handsome monthly return (you may call it life-long pension) around Rs.1 lakh per month each i.e. total Rs. 2 lakhs per month for both of you.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

59000 69620 82152 96939 114388 134978 159274 187943 221773 261692 308796 364380 429968 507362 598687 706451 833612

18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 32.1

983663 1160722 1369652 1616189 1907103 2250382 2655450 3133431 3697449 4362990 5148328 6075027 7168532 8458868 9981464 10148046

COMPARISON
Comparative annualised return for investors in different investment options in India for the last 10 years
Gold 8.95 % Property Average annualised return on prestigious properties in Delhi, Mumbai, Banglore and Chennai* 21.43% Direct Equity Shares average annualised return of 16 top performer equity shares 29.39% Equity Mutual Fund average annualised return on 8 top performing Equity Mutual Funds 32.04%

The Times of India, New Delhi, Date:-20-11-06
Indian Mutual Funds gave highest returns Over 10-Year Period, List of 10 Best Performing Funds Globally
Name Reliance Growth Fund HDFC Equity Fund Franklin India Blue Chip Principal Personal Tax Saver India Advantage (Birla Sunlife) Franklin India Prima Plus HSBC GIF India Equity (Luxemberg) Reliance Vison Fund Growth Country India India India India India India India India Return in 10 yrs(%) 35.21 34.29 32.18 32.1 31.88 31.8 31.42 30.46

Anytime withdrawl allowed

Indicative Pension Chart
Accumulated amount invested : Rs. 1 Crore Rs. 1 Crore Rs. 1 Crore Rate of return/ Dividend : 11% pa 12%pa 15%pa Approximate Return: Rs. 91,667/- per month Rs. 1 Lakh per month Rs. 1.25 Lakhs per month

Average 12% pa return on Rs. 2 crores can be around Rs. 2 lakhs per month
*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds This is a hypothetical example showing power of compounding and benefit of long term equity investment

*Calculated at an expected 18% rate of return per annum from equity Mutual Funds in India, though the average return for the last 10 years has been more than 35% per annum in top ranking diversified equity MUtual funds This is a hypothetical example showing power of compounding and benefit of long term equity investment

Bajaj Capital Financial Planning wealth creation Guide

Bajaj Capital Financial Planning wealth creation Guide

SUPER RICH
MAKE CRORES AND CRORES OF RUPEES
Whenever and whatever amount you can spare from time to time (say Rs. 20,000/-, Rs. 30,000/-, Rs. 40,000/- or Rs. 50.000), Just invest ONE TIME only in the growth schemes of top-ranking Diversified Equity Mutual Funds and you can hope to get Rs. 1 crore for every investment made by you. Resolve to make all the members of your family crorepatis.

BECOME

It was never so easy to accumulate crores of rupees in the past… as it is NOW
In the past, Equity market was not wide, India growth story was not there, Indian companies were not growing so fast nationally and internationally. Mutual Funds and their innovative schemes were not there, tax-free investment options were not there, computerized calculations and compounding of return was not possible. With all these facilities now available, every investor in Diversified Equity Mutual Funds can hope to accumulate crores of rupees over a period of time.

ONE TIME INVESTMENT
JUST ONE TIME INVESTMENT OF ANY OF THE FOLLOWING AMOUNTS
IN THE GROWTH SCHEME OF TOP RANKING DIVERSIFIED EQUITY MUTUAL FUNDS, CAN GROW TO RS. 1 CRORE OR EVEN MORE

HOW IT CAN HAPPEN
(I). (ii). (iii) Top Diversified equity mutual funds have given compounded annual return of more than 35% per annum for the last 10 years. The annual growth rate of reputed Indian companies is 20-30% p.a. Diversified Equity Mutual funds invest their money in Indian and multinational companies engaged in manufacturing and services industries. The demand for their products will go on increasing every year because of increase in population and increase in purchasing power in India. The value of their shares will go up when companies make more money, In turn the value of investment made by the mutual funds in these companies will also go up. Hence the investor who has invested in these mutual fund would get handsome returns. (iv). Your money will be invested by the mutual funds in number of reputed Indian and multinational companies engaged in different industries, hence your risk is (v). (vi). reduced as you “do not put all your eggs in one basket” Indian economy is on the growth path according to Indian and international economists Your investment will be handled by highly experienced and qualified mutual fund managers who have excellent track record

Rs.20 Thousand can accumulate to 10087730
Rs.30 Thousand Rs.40 Thousand Rs.50 Thousand Rs.60 Thousand Rs.70 Thousand Rs.80 Thousand Rs.90 Thousand Rs.1 lakh Rs.2 lakh Rs.5 lakh can accumulate to can accumulate to can accumulate to can accumulate to can accumulate to can accumulate to can accumulate to can accumulate to can accumulate to can accumulate to 10004139 10067440 10148046 10150641 10035945 10047190 10066528 10127634 10107263 10000791

in 37.6 years
in 35.1 years in 33.4 years in 32.1 years in 31years in 30 years in 29.2 years in 28.5 years in 27.9 years in 23.7 years in 18.1 years

Anytime withdrawl allowed

Albert Einstein
Albert Einstein had correctly described compounding of interest as eighth wonder of the world
*Calculated at an expected 18% rate of return per annum, though the average return for the last 10 years has been more than 35% in some top performing equity funds This is a hypothetical example Showing power of compound interest and benefit of long-term equity investment

Patience pays
! A seed needs time and patience to become a fruit tree. ! A child needs time and patience to become an adult. ! SIP of Diversified Equity Mutual Funds (Growth Schemes) need time

and patience to grow into huge amount. SIPs reward only long term investors because of rupee cost averaging and power of compounding. !In short-term SIPs of 6 month or 1 year, return can be negative also.

Bajaj Capital Financial Planning wealth creation Guide

Bajaj Capital Financial Planning wealth creation Guide

SIP IS THE SAVIOUR FOR INVESTOR
Systematic investment plan (SIP) in the growth schemes of Diversified Equity Mutual Funds have proved to be the best and time-tested method for wealth creation and for earning higher return. Inspite of various depressions in the stock market for the last 10 years, average return by top-performing equity mutual funds was 35%. SIP saves the investors from the jerks and jolts of the share market fluctuations. SIP has proved to be saviour for the long term investors. Disclaimer (a) The calculation and growth chart is just indicative. Your amount is likely to grow to more than Rs. 1 crore or may remain less than Rs. 1 crore, depending upon future performance of mutual funds in which you choose to invest. Read their offer documents before investing (b) The example above is merely illustrative in nature and should not be construed as investment advice by Bajaj capital. The trend of such returns may/ may not be uniform during the SIP period and / or in future. It does not in any manner imply/ suggest performance of any scheme of any mutual fund. (c) Mutual Funds do not assure any fixed return on your investment and neither past performance is a guarantee for future return. But since Top -Performing Mutual Funds have been giving return upto 35% per annum for the last 10 years, they are likely to show good performance in future also.

BEAT INFLATION
Did you know? If your expenses are Rs. 20,000 per month today, these will be Rs. 58,000 per month after 20 years?*
! In order to cover shortfall of your income in future, you have to beat inflation. Just

invest Rs. 2000 per month in the growth schemes of diversified Equity Mutual Fund through the systematic Investment Plan (SIP) of diversified Equity Mutual Fund (Growth Scheme)is likely to grow to Rs. 1 crore or more in due course of time. When you get Rs. 1 crore, you can invest some amount in Goverment Schemes and some amount in Diversified Equity Mutual Funds (Dividend pay-out options) and can hope to get an approximate return around Rs. one lakh per month, without spending your capital amount, which will take care of your higher expenses at that time. (see indicative chart on page no. 5). This pension can continue even for your next generation.

Burden of inflation

NO OTHER INVESTMENT IN INDIA OFFERS SO MANY UNIQUE FEATURES AS MUTUAL FUNDS
SEBI Regulation: Mutual fund in India are governed by SEBI (Securities Exchange Board of India) Tax free return According to current income-tax rules dividends received from mutual funds are tax free as compared to a Bank Recurring Deposit, where interest is taxable. Also, when you get lump sum amount, you do not have to pay any tax as long-term capital gains from Mutual Funds are tax-free as per current tax rules. Transparency Quarterly statement will be sent to you by the mutual funds showing you as to where your money is invested. Flexibility: Your total control It is your money, hence you should keep on monitoring the performance of the mutual funds in which you chose to invest. If need be you can shift your investment from one mutual fund to another which is performing better.

*Inflation assumed @ 5% per annum

Build a dam against old age worries by accumulating huge wealth
After 40 years of trial and errors of inventing a fool-proof system of creating huge wealth from stock market, Bajaj Capital’s investment Advisors/Financial Planners have come to the conclusion that systematic investment plan(sips) of diversified equity mutual funds (in their growth schemes) is the best option for long term investors. One can build a DAM against all sort of financial uncertainties in life.

This DAM (substantial wealth) can be constructed by you conveniently brick (SIP) by brick (SIP) every month.

Be an optimist. I have not seen any person who is pessimist and has lot of money Henry ford

ACT TODAY
THE BEST TIME TO INVEST MONEY WAS 10 YEARS AGO. THE SECOND BEST TIME IS NOW