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Aida Model
Aida Model
Awareness
Financial Inclusion
Planning Commission
Compounding
Table / Charts
PAN Cards / UIDAI
E – Choupal
Benefits – Education because of new schools opening
Interest
Benefits – Return
Savings
Desire
Group Investment
Action
7 P’s
Product
Price
Place
Promotion
Tax Saving
Direct Selling
Development of Infrastructure in Rural areas (Electrification)
Warehouse development as it is included under Infrastructure
AIDA Model
Sarpanch Investment – 10% of the revenue to be invested on behalf of the entire village
Open Demat Account and PAN Cards
Opinion Leaders
Physical Evidence
Rural Areas
Process
People
Tenure: 10 years
Interest Rate: 7.5% or 8.0%
NRI'S cannot invest in these bonds
These bonds have no limit on investment which means that the investor can invest as much as
he feels on such bonds but the amount eligible for tax deduction is limited to a maximum of Rs.
20,000.
All tax saving infrastructure bonds have a tenure of 10 years
Generally the lock in period is 5 years
Any individual is eligible to purchase these bonds but he or she must have a demat account and
a permanent account number (PAN)
In case investors want to exit after the 5 year lock in period, they can sell the bond either
through the stock market or they can ask the issuer to buy it back.
These bonds can also be pledged for loans after the completion of the lock in period.
Again these bonds have been introduced in order to help individuals save tax. In order to understand
the advantages and disadvantages of investing in infrastructure bonds four parameters need to be
kept in mind.
Actual tax-saving
Return on investment
Opportunity cost ( Whether the investment is really beneficial)
Effect of Inflation on the returns on investment