SRICS(Sree Raghavendra Info Caps Systems) Town Hall, Coimbatore, Tamil Nadu

Getting consultancy for ordinary LIC Agents can mislead you. Here you need a professionally managed Life Insurance Consultant like us for selecting the best insurance plans that suite your budget as well as requirements. We sell insurance products of products of HDFC Life Insurance. Owing to our experience and expertise of the field we offer the most credible Life Insurance Policy Consultant Services in India. HDFC Life Insurance is serviced by us with the various plans which suits according to the needs of the clients. Plans like Protection plan, Children plan, Retirement plan, Savings & Investment plan and Health plan. Why HDFC Standard Life? HDFC Standard Life believes that establishing a strong and ethical foundation is an essential prerequisite for long-term sustainable growth. To ensure this, we have concentrated our focus on expansion of branch network, organizing an efficient and well trained sales force, and setting up appropriate systems and processes with optimum use of technology. As all these areas form the basic infrastructure for establishing the highest possible customer service standards. Our core values are drilled down to all levels of employees, as these are inviolable. We continue to promote high integrity in business practices and shun short cuts and unethical practices, as we wish to be perceived as an institution with high moral standing. Since our inception in 2000, when the Indian insurance space was opened for private participation, we have consistently focused on setting benchmarks in all aspect on insurance business. Being the first private player to be registered with the IRDA and the first to issue a policy on December 12, 2000, our differentiators are: Strong Promoters HDFC Standard Life is a strong, financially secure business supported by two strong and secure promoters � HDFC Limited and Standard Life. HDFC Limited excellent brand strength emerges from its unrelenting focus on corporate governance, high standards of ethics and clarity of vision. Standard Life is a strong, financially secure business and a market leader in the UK Life & Pensions sector. Preferred and Trusted BrandInvestment PhilosophyNeed-Based Selling ApproachRisk Control FrameworkFocus on TrainingFocus on Long-Term ValueTransparent DealingStrict Compliance with RegulationsDiversified Product Portfolio Protection Plan : This includes HDFC Term Assurance PlanHDFC Loan Cover Term Assurance PlanHDFC Home Loan Protection Plan Children�s Plan : Children plans includes HDFC Children�s planHDFC Unit linked young star IIHDFC Unit linked young star plus IIHDFC Unit linked young star champion Personal Pension Plans Includes : HDFC Unit linked pension IIHDFC Unit linked pension maximiser IIHDFC Immediate annuity Saving and Investments Plans HDFC Unit linked endowment plus IIHDFC SimplilifeHDFC Unit linked endowment IIHDFC Unit linked wealth maximiser plusHDFC Unit linked endow winnerHDFC Endowment assurance planHDFC Money back planHDFC Single premium whole life insurance planHDFC Assurance planHDFC Savings Assurance plan Health Plan Critical care planSurgicare plan

With the changing life style of the people the health issue has gained considerable momentum. The amount of money need for treatment has also risen very high to afford. All the financial instructions have come up with health insurance plans to address this issue. We are reckoned among the prominent Health Plan Consultants providing unbeatable Health Plan Consultancy Services for all kinds of Health Plan Consulting.

The market in India is umpteen with a wide number of fixed deposit plans and FD Consultants which can mislead you. Thus for the most trustworthy Fixed Deposit Consulting, SRICS is the best destination for you. We are reckoned as one of the trusted Fixed Deposit Consultants offering customer specific consultancy of fixed deposits. Introducing Company Fixed Deposits Fixed Deposits in companies that earn a fixed rate of return over a period of time are called Company Fixed Deposits. Financial institutions and Non-Banking Finance Companies (NBFCs) also accept such deposits. Deposits thus mobilised are governed by the Companies Act under Section 58A. These deposits are unsecured, i.e., if the company defaults, the investor cannot sell the documents to recover his capital, thus making them a risky investment option. Benefits of investing in Company Fixed Deposits : High interestShort-term depositsLock-in period is only 6 monthsNo Income Tax is deducted at source if the interest income is up to Rs 5,000 in one financial year.Investment can be spread in more than one company, so that interest from one company does not exceed Rs. 5,000. How to Choose a Company for Investing in FDs Like most investment option, Company Fixed Deposits are a mixed bag. Company FDs can be an interesting investment option if you know how to select the right FD, and how to avoid the no-so-good ones. Here are some of the points that investors should keep in mind. Spread Your Risk The deposits should be spread over a large number of companies engaged in different industries. This way, you'll be able to diversify your risk among various industriescompanies. Try not to put more than 10% of your total investments in one particular company. Right Period of Deposit Ideally, the investment should be for 1 to 3 years depending upon the rate of interest. Periodic Review The performance of the companies should be reviewed at maturity. This will help you decide whether to renew or reshuffle the deposit. It is also wise to keep a track of these companies by checking their share prices, annual reports and other details reported in newspapers.

The company is identified as one of the leading Mutual Fund Consultants offering products of HDFC, Birla Sunlife, Reliance etc. As we are an experienced Mutual Fund Investment Consultant in the market, we assist you in choosing profitable mutual funds for your investment. Consequently, our clients reckon us as the best consultancy offering Mutual Fund Consulting Services to them. Mutual Funds are among the hottest favorites with all types of investors. Investing in the mutual funds is ranked among the most preferred ways of creating wealth over the longer term. In fact, mutual funds represent the hands-off approach to entering the equity market. There are a wide variety of mutual funds that are viable investment avenues to meet a wide variety of financial goals. This section explains the various aspects of Mutual Funds. What are Mutual Funds? A Mutual Fund is a trust that pools together the savings of a number of investors who share a common financial goal. The fund manager invests this pool of money in securities -- ranging from shares and debentures to money market instruments or in a mixture of equity and debt, depending upon the objectives of the scheme. Why Choose Mutual Funds? Investing in Mutual Funds offers several benefits: Professional Expertise : Fund managers are professionals who track the market on an on-going basis. With their mix of professional qualification and market knowledge, they are better placed than the average investor to understand the markets.Diversification : Since a Mutual Fund scheme invests in number of stocks and/or debentures, the associated risks are greatly reduced.Relatively Less Expensive : When compared to direct investments in the capital market, Mutual Funds cost less. This is due to savings in brokerage costs, demat costs, depository costs etc.Liquidity : Investments in Mutual Funds are completely liquid and can be redeemed at their Net Assets Value-related price on any working day.Transparency : You will always have access to up-to-date information on the value of your investment in addition to the complete portfolio of investments, the proportion allocated to different assets and the fund manager investment strategy.Flexibility : Through features such as Systematic Investment Plans, Systematic Withdrawal Plans and Dividend Investment Plans, you can systematically invest or withdraw funds according to your needs and convenience.SEBI Regulated Market : All Mutual Funds are registered with SEBI and function within the provisions and regulations that protect the interests of investors. AMFI is the supervisory body of the Mutual Funds industry. Types of Funds There are a wide variety of Mutual Fund schemes that cater to your needs, whatever your age, financial position, risk tolerance and return expectation. Whether as the foundation of your investment program or as a supplement, Mutual Fund schemes can help you meet your financial goals. The different types of Mutual Funds are as follows: Diversified Equity Mutual Fund Scheme It is a mutual fund scheme that achieves the benefits of diversification by investing in the stocks of companies across a large number of sectors. As a result, it minimizes the risk of exposure to a single company or sector. Sectoral Equity Mutual Fund Scheme A mutual fund scheme which focuses on investments in the equity of companies across a limited number of sectors - usually one to three. Index Funds These funds invest in the stocks of companies, which comprise major indices such as the BSE Sensex or the S&P CNX Nifty in the same weightage as the respective indices. Equity Linked Tax Saving Schemes (ELSS) Mutual Fund schemes investing predominantly in equity, and offering tax deduction to investors under section 80 C of the Income Tax Act. Currently rebate u/s 80C can be availed up to a maximum investment of Rs 1, 00,000. A lock-in of 3 years is mandatory. Monthly Income Plan Scheme A mutual fund scheme which aims at providing regular income (not necessarily monthly, don't get misled by the name) to the unit holder, usually by way of dividend, with investments predominantly in debt securities (up to 95%) of corporate and the government, to ensure regularity of returns, and having a smaller component of equity investments (5% to 15%) to ensure higher return. Income Schemes Debt oriented schemes investing in fixed income securities such as bonds, corporate debentures, Government securities and money market instruments. Floating-Rate Debt Fund A fund comprising of bonds for which the interest rate is adjusted periodically according to a predetermined formula, usually linked to an index. Gilt Funds These funds invest exclusively in government securities. Balanced Funds The aim of balanced funds is to provide both growth and regular income as such schemes invest both in equities and fixed income securities in the proportion indicated in their offer documents. They generally invest 40-60% in equity and debt instruments. Fund of Funds A Fund of Funds (FoF) is a mutual fund scheme that invests in other mutual fund schemes. Just as fund invests in stocks or bonds on your behalf, a FoF invests in other mutual fund schemes. How to Choose the Right Mutual Fund Scheme Once you are comfortable with the basics, the next step is to understand your investment choices, and draw up your investment plan relevant to your requirements. Choosing your investment mix depends on factors such as your risk appetite, time horizon of your investment, your investment objectives, age, etc. Before Investing in Mutual Fund Things Should Keep in Mind? Mutual Fund investment decisions require consistent effort on the part of the investor. Before investing in Mutual Funds, the following steps must be given due weightage to decide on the right type of scheme: Identifying the Investment ObjectiveSelecting the right Scheme CategorySelecting the right Mutual FundEvaluating the Portfolio Identifying the Investment Objective? Your financial goals will vary, based on your age, lifestyle, financial independence, family commitments, level of income and expenses, among many other factors. Therefore, the first step is to assess you needs. Begin by asking yourself these simple questions: Why do I Want to Invest? The probable answers could be : "I need a regular income""I need to buy a house/finance a wedding""I need to educate my children"A combination of all the above How Much Risk a Person Can Take? The risk-taking capacity of individuals varies depending on various factors. Based on their risk bearing capacity, investors can be classified as: Very conservativeConservativeModerateAggressiveVery Aggressive To ascertain your risk appetite, try out our Risk Thermometer. What are My Cash Flow Requirements? For example, you may require: A regular Cash Flow.A lump sum after a fixed period of time for some specific need in the future.You may have no need for cash, but you may want to create fixed assets for the future. How to Select the Scheme Category The next step is to select a scheme category that matches your investment objectives : For Capital Appreciation go for equity sectoral funds, equity diversified funds or balanced funds.For Regular Income and Stability you should opt for income funds/MIPs.For Short-Term Parking of Funds go for liquid funds, floating rate funds, short-term funds.For Growth and Tax Savings go for Equity-Linked Savings Schemes. How to Choose the Tight Mutual Fund? Once you have a clear strategy in mind, you now have to choose which Mutual fund and scheme you want to invest in. The offer document of the scheme tells you its objectives and provides supplementary details like the track record of other schemes managed by the same Fund Manager. Some important factors to evaluate before choosing a particular Mutual Fund are: The track record of performance over that last few years in relation to the appropriate yardstick and similar funds in the same category.How well the Mutual Fund is organized to provide efficient, prompt and personalized service.The degree of transparency as reflected in frequency and quality of their communications. Evaluation of Portfolio Evaluation of equity fund involve analysis of risk and return, volatility, expense ratio, fund manager�s style of investment, portfolio diversification, fund manager�s experience. Good equity fund should provide consistent returns over a period of time. Also expense ratio should be within the prescribed limits. These days fund house charge around 2.50% as management fees. Evaluation of bond funds involve its assets allocation analysis, return's consistency, it�s rating profile, maturity profile, and it�s performance over a period of time. The bond fund with ideal mix of corporate debt and gilt fund should be selected. How to Calculate the Growth of Your Mutual Fund Investments? Let's assume that Mr. Gupta has purchased Mutual Fund units worth Rs. 10,000 at an NAV of Rs. 10 per unit on February 1. The Entry Load on the Mutual Fund was 2%. On September 15, he sold all the units at an NAV of Rs 20. The exit load was 0.5%. Points to Remember Do Not Speculate : Always evaluate risk-taking capacity.Do Not Chase Returns : Because what goes up must come down.Do Not Put All Eggs in One Basket : Diversification reduces the risk.Do Not Stop Working on Mutual Funds : Continuous evaluation of funds is a must.Do not time the market: Every time is good for investments.Mutual Funds are subject to market risks and there is no assurance that the fund objective will be achieved.NAVs fluctuate depending on forces affecting the Capital market.Past performance may or may not be sustained in the future. Assets Management Company : A highly regulated organization that pools money from many people into portfolio structured to achieve certain objectives. Typically an AMC manages several funds �open ended/ close ended across several categories- growth, income, balanced. Balanced Fund : A hybrid portfolio of stocks and bonds. Close Ended Fund : They neither issue nor redeem fresh units to investors. Some closed ended funds can be bought or sold over the stock exchange if the fund is listed. Else, investors have to wait till redemption date to exit. Most listed close ended funds trade at discount to the NAV. Open Ended Fund : A diversified and professionally managed scheme, it issues fresh units to incoming investors at NAV plus any applicable sales charge, and it redeems shares at NAV from sellers, less any redemption fees. Entry/ Exit Load : A charge paid when an investor buys/sells a fund. There could be a load at the time of entry or exit, but rarely at both times. Expense Ratio : It is the annual expenses of the funds, including the management fee, administrative cost, divided by the fund under management. Growth/Equity Fund : A fund holding stocks with good or improving profit prospects. The primary emphasis is on appreciation. Liquidity : The ease with which an investment can be bought or sold. A person should be able to buy or sell a liquid asset quickly with virtually no adverse price impact. Net Assets Value : A price or value of one unit of a fund. It is calculated by summing the current market values of all securities held by the fund, adding the cash and any accrued income, then subtracting liabilities and dividing the result by the number of units outstanding. Interest Rate Risk : The risk borne by fixed-interest securities, and by borrowers with floating rate loans, when interest rates fluctuate. When interest rates raise, the market value of fixed-interest securities decline and vice versa. Credit Risk : Credit risk involves the loss arising due to a customer�s or counterparty�s inability or unwillingness to meet commitments in relation to lending, trading, hedging, settlement and other financial transactions. Capital Market Risk : Capital Market Risk is the risk arising due to changes in the Stock Market conditions.

We are counted among the trusted Bond Consultants officering reliable Bond Consultancy to the clients. Being one of the reputed Financial Bond Consultants in India, you can avail our services for complete Bond Consulting. Bonds Bond refers to a security issued by a company,financial institution or government which offers regular or fixed payment of interest in return for borrowed money for a certain period of time. Bonds : Tax Free Bonds 6.5% Tax free bonds has been withdrawn from the market. This will not effect the investments already made. Taxable Bonds The salient features of the Bond areas follows: Eligibility for Investment The Bonds may be held by - An individual, not being a Non-Resident Indian (NRI) (a) In his or her individual capacity. (b) In an individual capacity on joint basis. (c) In an individual capacity on anyone or survivor basis (d) On behalf of a minor as fathermotherlegal guardianA Hindu Undivided Family.Charitable Institution' to mean a Company registered under Section 25 of the Indian Companies Act 1956.An institution which has obtained a Certificate of Registration as a charitable institution in accordance with a law in force.Any institution which has obtained a certificate from Income Tax Authority for the purpose of Section 80G of the Income Tax Act, 1961. (iv) "University" means a university established.Incorporated by a Central, State or Provincial Act, and includes an institution declared under section 3 of the University Grants Commission Act, 1956 (3 of 1956), to be a university for the purposes of that Act. Limit of Investment There is no maximum limit for investment in the Bonds. Tax Treatment Income-Tax : Interest on the Bonds will be taxable under the Income-Tax Act, 1961 as applicable according to the relevant tax status of the bond holder. (ii) Wealth Tax: The Bonds will be exempt from Wealth-tax under the Wealth- Tax Act, 1957. Issue Price The Bonds will be issued at par i.e. at Rs.100.00 percent.The Bonds will be issued for a minimum amount of Rs. 1000- (face value) and in multiples thereof. Accordingly, the issue price will be Rs.1000- for every Rs.1, 000-(Nominal). Subscription Subscription to the Bonds will be in the form of CashDraftsCheques. Cheques or drafts should be drawn in favor of the Receiving Office, specified in paragraph 10 below and payable at the place where the applications are tendered. Date of Issue The Bonds will be issued with effect from 21st April 2003.The date of issue of the Bonds in the form of Bond Ledger Account will be the date of receipt of subscription in cash or the date of realisation of draftcheque. Form The Bonds will be issued and held at the credit of the holder in an account called Bond Ledger Account (BLA).New Bond Ledger series with the prefix (TB) are to be opened. All investment in 8% Savings (Taxable) Bonds by an existing BLA holder will be viewed as a new investment under a new BLA.The Bonds in the form of Bond Ledger Account will be issued by and held with designated branches of the agency banks and SHCIL as authorized by Reserve Bank of India in terms of paragraph 10 below.The Certificate of Holding in respect of Bond Ledger Account will be issued in Form TBX or Form TBY as applicable for non-cumulative and cumulative investments respectively.The Certificate of Holding in respect of cash applications may be issued on the same day as per the extant instructions. Applications Applications for the Bonds may be made in Form ‘A’ (Annex 2) or in any other form as near as thereto stating clearly the amount and the full name and address of the applicant.Applications should be accompanied by the necessary payment in the form of cashdraftscheques as indicated in paragraph 6 above.Applicants who have obtained exemption from tax under the relevant provisions of the Income Tax Act, 1961, shall make a declaration to that effect in the application (in Form 'A') and submit a true copy of the certificate obtained from Income-Tax Authorities. Receiving Offices Applications for the Bonds in the form of Bond Ledger Account will be received at : Authorized Branches of State Bank of India, Associate Banks, Nationalized Banks, four private sector banks and SHCIL as specified in the Annex 3.Any other bank or branches of the banks and SHCIL as may be specified by the Reserve Bank of India in this regard from time to time. Nomination A sole holder or a sole surviving holder of a Bond, being an individual, may nominate in form B (Annex – 4) or as near thereto as may be, one or more persons who shall be entitled to the Bond and the payment thereon in the event of hisher death. Transferability The Bond in the form of Bond Ledger Account shall not be transferable. Interest The bond will be issued in cumulative and non-cumulative form, at the option of the investor.The Bond will bear interest at the rate of 8% per annum. Interest on non-cumulative bonds will be payable at half-yearly intervals from the date of issue in terms of paragraph 7 above. Interest on cumulative bonds will be compounded with half-yearly rests and will be payable on maturity along with the principal. In the latter case, the maturity value of the Bonds shall be Rs.1601- (being principal and interest) for every Rs.1, 000-(Nominal). Interest to the holders opting for non-cumulative Bonds will be paid from date of issue in terms of paragraph 7 above up to 31st July31st January, as the case may be and thereafter at half-yearly for period ending 31st July31st January on 1st August and 1st February. Interest on Bond in the form of "Bond Ledger Account" will be paid, by chequewarrant or through ECS by credit to bank account of the holder as per the option exercised by the investorholder. AdvancesTradability against Bonds The Bonds shall not be tradable in the secondary market and shall not be eligible as collateral for loans from banks, financial Institutions and Non Banking Financial Companies, (NBFC) etc. Repayment The Bonds shall be repayable on the expiry of 6 (Six) years from the date of issue. No interest would accrue after the maturity of the Bond.

SRICS is earnestly engaged in offering highly reliable Accounting Services to the corporate firms. Our Business Accounting Services are rendered in the most professional way by maintaining and auditing company�s record and preparing financial reports. We use latest technology like Tally software for offering the best Tax Accounting Services to the clients in India. Accounting is a field of specialization critical to the functioning of all types of organizations. Accounting often is referred to as "the language of business" because of its role in maintaining and processing all relevant financial information that an entity requires for its managing and reporting purposes. Accountants often have a specific sub specialization and function at one of several levels. Accounting is a body of principles and conventions as well as an established general process for capturing financial information related to an entity's resources and their use in meeting the entity's goals Accounting services are done in a professional way for firms, Limited companies. The occupations of maintaining and auditing records and preparing financial reports for a business using Tally software. Tally Partner : SRICS plays a multiple role, in that one is authorized Tally software partner. The Products of Tally are : Tally.ERP 9Tally. ERP 9 � Auditor�s editionShoper 9 Tally.ERP 9 Highlights of Tally.ERP 9 : Powerful remote capabilities that boost collaborationEasy to find qualified personnelEasy to customizeLow cost of ownership via quick implementation, Tally Integrator, Support Centre Tally.ERP 9 � Auditor�s Edition Highlights of Tally.ERP 9 � Auditors� Edition : Secure remote access to client dataAt-a-glance dashboard showing voucher/ledger correctness and verification statusEasy-to-spot-errors via exceptionsSpecial audit and compliance menusGenerate annexure for Tax Audit under Sec 44AB There are also single user and multiple users. So once you step into our firm SRICS it will give you a complete solution based products in a Professional way for all your requirements. Professional solution is offered according to the needs of the Client. We follow Ethical and Professional way to reach the sky of the achievement.

Tax and estate planning is a very important part of personal financial planning because each and every individual wishes to curtail on his tax liability. Moreover it is rightly said that �a penny saved is a penny earned�. It is expected from a professional financial planner to guide his client on the right tax saving strategies and Taxation Planning because it increases the disposable income and from investment planning point of view also the up to date knowledge of current tax laws are desirable. If a planner can reduce the tax liability by judicious Investment Tax Planning of a client or can advise him tax savvy investments then the client would surely appreciate this. Further a planner should also be aware of the estate planning strategies because he might be required to guide the client on the transfer of assets whether during his lifetime or after that without any difficulty to the beneficiaries. Further, we are reckoned as one of the prominent enterprises offering Tax Planning Services in India for the best Income Tax Planning.

Some like it. Some don�t. But retirement is a reality for every working person. Most young people today think of retirement as distant reality. However, it is important to plan for your post-retirement life if you wish to retain your financial independence and maintain a comfortable standard of living even when you are no longer earning. This is extremely important, because, unlike developed nations, India does not have a social security Retirement Planning acquires added importance because of the fact that though longevity has increased the number of working years haven�t. We offer highly reliable Retirement Planning Services to the clients. Our services are sought for the Best Retirement Planning. Our India Retirement Planning Services involves: Computing that amount that would be required post-retirement. This is done after taking inflation and time value of money into account.Building your Retirement Corpus using Systematic Investment Plans (SIPs) and other long-term growth orient products.Ensuring adequate post-retirement income through safe investments. The asset allocation and selection of investment vehicles keep changing as your risk-bearing capacity diminishes.

Investment means putting your money to work to earn more money. Done wisely, it can help you meet your financial goals like buying a new house, paying for college education of your children, of your enjoying a comfortable retirement, or whatever is important to you. You do not have to be wealthy to be an investor. Investing even a small amount can produce considerable rewards over the long-term, especially if you do it regularly. But you need to decide about how much you want to invest and where. To choose wisely, you need to know the investment options thoroughly and their relative risk exposures. SRICS is one of the major Investment Management Consultants offering consultancies in a number of options like fixed deposits, bonds, post office schemes, mutual funds etc. Our services are based on the recent trend of the market assuring high return on your investments. As we are one of the reputed Financial Investment Consultants, we offer our services at the most discounted rates as against the ordinary Investment Consultants in the market. Who Need Investment Planning? Investment planning is necessary for every one who wishes to achieve any financial goal. You have to plan your limited resources to avail the maximum benefit out of them. You should plan your investments to fulfill major needs like: Creating wealth over the long termAcquiring assets like a dream house or a dream carFulfilling your need for financial security Thus, Investment Planning is nothing but a holistic approach to meet your life's goals. SRICS Investment Planning Services Includes : Risk ProfilingAsset Allocation and Portfolio ConstructionCreation and Accumulation of Wealth through Systematic Investment Plans (SIP)Regular review of progress and Portfolio Rebalancing