When it is a question of investing your money deal only with the leaders of the industry

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

YOU CAN EARN LIFE-LONG

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

RS. TWO LAKH PER MONTH OR MORE
DOCTORS, ARCHITECTS, LAWYERS, CHARTERED ACCOUNTANTS, BUSINESSMEN & OTHER SELF-EMPLOYED PERSONS

PENSION

Even Govt. employees can have 'second- line- of Defence' by earning extra pension in the names of their wives.

Give us 15 minutes, We will show you how you can earn Rs. 2 lakh per month as pension

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 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.

Your One time investment of Rs. one lakh In lump-sum (or Rs. 5000 per month) in Growth Schemes of diversified Equity Mutual Funds is likely to accumulate to around Rs. 2 Crore or even more over a period of time (See charts given inside) which can earn life long Pension of around Rs. 2 lakh per month or more for you. Create wealth by investing in the growth schemes of top-ranking diversified Equity Mutual Funds of your choice. 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.

Please See inside the power of compounding, rupee - cost - averaging and other details

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CREATE WEALTH
Your one time investment of Rs. 1 lakh in the growth scheme of diversified Equity mutual funds is likely to accumulate to around Rs. 2 crore or more over a period of time (as per the chart given below) on which you may earn around Rs. 2 lakh per month.(as per indicative pension chart given on page 3)

POWER OF COMPOUNDING RS. 10000 PER MONTH INVESTED IN THE SIP (SYSTEMATIC
INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 120000 261600 428688 625852 858505 1133036 7 8 9 10 11 12 1456983 1839239 2290303 2822557 3450617 4191728 13 14 15 16 17 5066240 6098163 7315832 8752682 10448164 18 19 20 20.8 12448834 14809624 17595356 20180858

SEE HOW YOUR INVESTMENT WILL

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POWER OF COMPOUNDING
RS. 15000 PER MONTH INVESTED IN THE SIP (SYSTEMATIC INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 180000 392400 643032 938778 1287758 6 7 8 9 10 1699554 2185474 2758859 3435454 4233836 11 12 13 14 15 5175926 6287593 7599359 9147244 10973748 16 17 18 18.4 13129023 15672247 18673251 20019817

MONTHLY INVESTMENT OPTIONS
POWER OF COMPOUNDING RS. 5000 PER MONTH INVESTED IN THE SIP (SYSTEMATIC
INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 7 60000 130800 214344 312926 429253 566518 728491 8 9 10 11 12 13 14 919620 1145151 1411279 1725309 2095864 2533120 3049081 15 16 17 18 19 20 3657916 4376341 5224082 6224417 7404812 8797678 21 22 23 24 24.9 10441260 12380687 14669211 17369669 20213303

ONE TIME INVESTMENT OPTIONS
POWER OF COMPOUNDING RS. ONE LAKH ONE TIME INVESTED IN
DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 7 8 9 118000 139240 164303 193878 228776 269955 318547 375886 443545 10 11 12 13 14 15 16 17 18 523384 617593 728759 859936 1014724 1197375 1412902 1667225 1967325 19 20 21 22 23 24 25 26 2321444 2739303 3232378 3814206 4500763 5310901 6266863 7394898 27 28 29 30 31 32 32.1 8725980 10296656 12150054 14337064 16917735 19962928 20296093

POWER OF COMPOUNDING
RS. 7000 PER MONTH INVESTED IN THE SIP (SYSTEMATIC INVESTMENT PLAN) OF DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 84000 183120 300082 438096 600954 793125 7 8 9 10 11 12 1019888 1287468 1603212 1975790 2415432 2934210 13 14 15 16 17 18 3546368 4268714 5121082 6126877 7313715 8714184 19 20 21 22 22.9 10366737 12316749 14617764 17332962 20192117

POWER OF COMPOUNDING RS.TWO LAKHS ONE TIME INVESTED IN
DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 7 236000 278480 328606 387756 457552 539911 637095 8 9 10 11 12 13 14 751772 887091 1046767 1235185 1457519 1719872 2029449 15 16 17 18 19 20 21 2394750 2825805 3334449 3934650 4642887 5478607 6464756 22 23 24 25 26 27 27.9 7628412 9001526 10621801 12533725 14789796 17451959 20255268

*Calculated at an assumed 18% rate of return per annum, although the average return of top performing Diversified Equity Mutual Funds for the last 10 year was upto 35% per annum. Please read disclaimer on page no. 7 and risk factors on last page

*Calculated at an assumed 18% rate of return per annum, although the average return of top performing Diversified Equity Mutual Funds for the last 10 year was upto 35% per annum. Please read disclaimer on page no. 7 and risk factors on last page

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ONE TIME INVESTMENT OPTIONS
POWER OF COMPOUNDING RS. THREE LAKHS ONE TIME INVESTED IN
DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 7 354000 417720 492910 581633 686327 809866 955642 8 9 10 11 12 13 14 1127658 1330636 1570151 1852778 2186278 2579808 3044173 15 16 17 18 19 20 3592124 4238707 5001674 5901975 6964331 8217910 21 22 23 24 25 25.4 9697134 11442618 13502290 15932702 18800588 20087424

Enjoy fruits of your accumulated savings
Indicative Pension Table
for investment of Rs. 1 crore
When you have lump sum amount available for investment and you need a regular flow of pension as monthly income, some amount can be invested in the following assured income options: Assured return schemes: 1. 8% Monthly Income Scheme of Post Office. 2. 8% Govt. of India (Reserve Bank) Bonds. 3. 9% Senior Citizen Scheme from Post Office.

POWER OF COMPOUNDING RS. FIVE LAKH ONE TIME INVESTED IN
DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 590000 696200 821516 969389 1143879 1349777 7 8 9 10 11 12 1592737 1879430 2217727 2616918 3087963 3643796 13 14 15 16 17 18 4299680 5073622 5986874 7064511 8336123 9836625 19 20 21 22 22.3 11607218 13696517 16161890 19071031 20041894

AND
Some amount can be invested in high-yield but nonassured options like dividend pay-out schemes of Diversified Equity Mutual funds: Mutual Funds offer various schemes with dividend option: Category Balance funds Diversified Equity Funds Risk Medium medium Average Returns for the last 12 months 16.77% 18%

POWER OF COMPOUNDING RS.TEN LAKH ONE TIME INVESTED IN
DIVERSIFIED EQUITY MUTUAL FUND IS LIKELY TO GROW TO Rs. 2 CRORE OR MORE AS FOLLOWS
Year Amount Year Amount Year Amount Year Amount
1 2 3 4 5 6 7 1180000 1392400 1643032 1938778 2287758 2699554 3185474 8 9 10 11 12 13 14 3758859 4435454 5233836 6175926 7287593 8599359 10147244 15 16 17 18 18.1 11973748 14129023 16672247 19673251 20001581

The following chart shows the expected return on lump sum investment of Rs. 1 crore assuming the average rate of different returns. Lump sum around amount invested
Amount Amount of income if average rate of return at the rate of 10% P.A. Rs. 75000 per month Rs. 83000 per month Rs. 1 Lakh per month
Rs.1.67 lakh per month

*Calculated at an assumed 18% rate of return per annum, although the average return of top performing Diversified Equity Mutual Funds for the last 10 year was upto 35% per annum. Please read disclaimer on page no. 7 and risk factors on last page

Rs. 9000000 Rs. 10000000 Rs. 12000000
Rs.20000000

Amount of income if average rate of return at the rate of 12% P.A. Rs. 90000 per month Rs. 100000 per month Rs. 120000 per month
Rs.200000 per month

SIP IS THE SAVIOUR
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. SIP has proved to be saviour for the long term investors. SIP saves the investors from the jerks and jolts of the share market fluctuations.

You can accumulate crores and crores of rupees
In case you want to accumulate more than Rs. 2 crores, make investment in 3/4/5 Systematic Investment Plan (SIPs) of Rs. 5000/- each in different diversified equity mutual funds and each Systematic Investment Plan (SIPs) amount is likely to grow to around Rs. 3/4/5 crores or more depending upon the market conditions. Similarly if you invest in lumpsum Rs. 5 Lakhs in 5 different diversified equity mutual funds you can hope to get Rs. 5 crores or more over a period of time.

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It was never so easy to accumulate crores of rupees… 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.

(v). Do not redeem(withdraw) your investment till you choose to retire. Diversified Equity Mutual Funds reward long-term investors. (vi). Indian economy is on the growth path according to Indian and international economists (vii).Your investment will be handled by highly experienced and qualified mutual fund managers who have excellent track record (viii).Systematic investment plan (SIP) in the growth schemes of Diversified Equity Mutual Funds have proved to be the best and time-tested method, all over the world, for capital accumulation and obtaining higher returns. (ix). 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) 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. (c) 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.

HOW IT CAN HAPPEN
(I). Top Diversified equity mutual funds have given compounded annual return of more than 35% per annum for the last 10 years. (ii). The annual growth rate of reputed Indian companies is 20-30% p.a. (iii) 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 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 reduced as you “do not put all your eggs in one basket”

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

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

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

8 UNIQUE FEATURES OF YOUR INVESTMENT WILL BE 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. Investment in SIP's will generate tax-free return. 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. Anytime withdrawal allowed Any time withdrawal of part, full amount allowed. Although growth of your capital is possible only if you invest regularly every month and for long time. Transparency Quarterly statement will be sent to you by the mutual funds on demand showing you as to where your money is invested. Your total control It is your money, hence please keep on monitoring the performance of the mutual funds in which you have made investment. You can withdraw, reduce or increase your invested amount, shift from one scheme to another scheme of any mutual fund, close it and re-open new account, if desired Advantages of compounding and Power of Rupee Cost averaging Your investment will enjoy benefit of compounding of return and rupee-cost-averaging ie; if the equity market goes up, your investment will buy you lesser units and if the market goes down, it will buy you more units. It reduces the average cost of your units.

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Did you know?
If your monthly expenses are Rs. 30,000 today, these will be Rs. 80,000 per month after 20 years?*
! In order to cover shortfall of your income in future,

you have to beat inflation. Just invest Rs. 1 lakh one time or Rs. 5000 per month in the growth schemes of diversified Equity Mutual Fund through the systematic Investment Plan (SIP) of diversified Equity Mutual Fund (Growth Scheme). Your amount is likely to grow to around Rs. 2 crore or more in due course of time. When you get Rs. 2 crore, you can invest some amount in Goverment Schemes and some amount in Diversified Equity Mutual Fund (Dividend pay-out options) and can hope to get an average return around Rs. Two lakh per month, without spending your capital amount, which will take care of your higher expenses at that time. (This can even continue for your next generation also)
*Inflation assumed @ 5% per annum

Burden of inflation

Build a dam against old age worries By accumulating huge wealth
After trial and errors of inventing a foolproof system of creating huge wealth from stock market, india'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.

How far Bank Deposits are safe?
Under the Deposit Insurance and Credit Guarantee Corporation Act, 1961, Bank deposits are insured and guaranteed only upto Rs. 1 lakh per person per account in case bank goes into liquidation

No one has become rich simply by saving but by proper planning and investment

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INDIA'S FUTURE CROREPATIS
INDIA’S FUTURE CROREPATIS WILL BE THOSE WHO WILL INVEST IN THE GROWTH SCHEMES OF DIVERSIFIED EQUITY MUTUAL FUNDS THROUGH THEIR SYSTEMATIC INVESTMENT PLANS (SIPS) India's last generation of crorepaties were those persons who invested in properties. Now we feel the next generation of crorepatis will be those persons who invest in Diversified Equity Mutual Funds (Growth Schemes) through their Systematic Investment Plan (SIP). How it can happen (I). The annual growth rate of Indian reputed companies has been 20-30% per annum. (II). Indian economy is on the growth path for the next 20/30 years according to Indian and international economists. (III). Indian Equity Funds are among the top performers in the world (See below) Comparative annualised return for investors in different investment options for the last 10 years
Gold Average annualised return on prestigious properties in Delhi, Mumbai, Banglore and Chennai* Average annualised return of 16 top performer equity shares Average annualised return on 8 top performing Equity Mutual Funds 8.95 % 21.43% 29.39% 32.04%

Retirement is too heavy to sustain
Psychologists say that when people retire from their work, their job, their service their life is reduced immediately by almost 10 years. When you are unoccupied you start feeling meaningless, futile. You start feeling that you are not needed, that without you the world can go on easily. The moment you feel you are not needed, the your ego becomes uneasy because it exists only when you are needed. When you are not needed, you start dissolving.

Play-second inning of your life better than the first inning
When one is fully mature and is bubbling with new ideas, he is asked to retire. All his accumulated knowledge, talents and creative faculties start to degenerate. Life begins at 60, if you have substancial capital amount and handsome life-long regular monthly income, then you can play second inning of your life better than even your first inning.

Afford 5-star life-style and comfortable and honourable old age
With handsome regular monthly income , and substantial amount at one's disposal, one can afford 5-star Life-style in old age like big house, servants, cars, drivers etc. One can also avail the services of top professionals such as Nutritionists, Therapists, Yoga Experts, Messagers, Medical Specialist etc.

If you want to know the value of money, go and borrow some (Aristotle) Money is like a sixth sense without which you can not make complete use of the other five senses (Plato)

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 Country Return in 10 yrs(%) 35.21 34.29 32.18 32.1 31.88 31.8 31.42 30.46

DREAMS WILL FIND THE MEANS
If you want to lead a financial worry free life, plans given in this booklet is the means of realising your dreams. “If you can dream it, you can achieve it” (Walt Disney)

Reliance Growth Fund India HDFC Equity Fund India Franklin India Blue Chip India Principal Personal Tax Saver India India Advantage (Birla Sunlife) India Franklin India Prima Plus India HSBC GIF India Equity (Luxemberg) India Reliance Vison Fund Growth India

GO AHEAD. MAKE IT HAPPEN

Act Today
The best time to invest money was 10 years ago. The second best time is NOW

*Return on properties cannot be certain as it varies from location to location and in city to city