 Our Focus :- Fulfill Investor’s Financial Goals & Value Added Services  Our Strategies for Saving & Investment for investors  Financial Needs based – Not Seller but Financial Solutions Provider  Long term – Financial Needs – Education, Marriage, Asset, Retirement  Asset Allocation – Proper Asset Allocation among Equity, Debt & Cash  Diversified - Optimum  Systematic – Not “ Timing-the-Market” but “ Time-in-the Market” Investment Objectives :- What Investors wishes and not wishes 1. Return 2. Risk 3. Period 4. Return Frequency

 What is Mutual fund:- A product for all & all time.  A Mutual fund is a pool of money, which is collected from many investors and is invested in various types of securities by asset management company in line with investment objectives of investors.  Investor will earn Dividend and Earn Capital Gain or Incur Capital Loss.  Mutual Fund is Indirect and Collective Investment.  preferable for those who do not have adequate TIME and proper KNOWLEDGE & wish to fulfilled all FINANCIAL NEEDS.

 Benefits of Mutual Fund :- WHY ?  Professional Management  Diversification [All types of Assets, Sectors & Industry]  Convenient Administration [KYC+ Application + Cheque]  Return Potential [ Very good compare to all assets]  Low Costs [ Max 2.5 % ]  Liquidity [ From one day to Max 5 Days ]  Transparency  Flexibility [ SIP, STP, SWP, Trigger, Switch ]  Choice of schemes  Tax benefits [ Dividend Tax Free & LTCG ]  Well regulated by SEBI  FREE Life Insurance  FREE Personal Accident Insurance

 NAV = Net Assets of the Scheme / Number of Units  CUT OFF TIME for Nav :- Purchase Transaction  Liquid Fund – Before 2 p.m. & Get Money – Previous Day – After 2 p.m. – Transaction Day  All Debt & Equity – Before 3 p.m. & Get Money – Transaction Day ( = & > 2 Lac )  All Debt & Equity – Before 3 p.m.– Transaction Day ( Less than 2 Lac ) – After 3 p.m. – Next Business Day  Redemption between 2 to 5 Business Days  Tax Incentives :- Source of IncomeEquityOther Than Equity Dividend ReceivedNIL Dividend Distribution Tax NIL25% Short Term Capital Gain15 %Tax Slab Long Term Capital Gain NIL20%

Various Investment options TYPE OF ASSETBASESCHEMES EQUITY TENUREOPEN ENDEDCLOSED ENDED STYLEGROWTHVALUEBLEND MARKET CAPLARGEMIDSMALLMULTI FOCUSSECTORTHEMATICINDEXELSS DEBT TENURELIQUIDSHORTMEDIUMLONG HYBRID EQUITY ORIENTEDEquity > 65 %BALANCED FUND DEBT ORIENTEDDebt > 65 %MIP

History of Mutual Fund :-  First Phase : In Unit Trust of India was the first mutual fund set up in India. The first scheme launched by UTI was Unit Scheme 1964  Second Phase (Entry of Public Sector Funds – SBI is the first nationalized bank  Third Phase (Entry of Private Sector Funds)  SEBI (Mutual Fund) Regulations 1996

Organization of a Mutual Fund :-

Classification of Mutual fund Structure Open Ended Fund Closed Ended Fund Investment Objective EquityDiversified Pre- Determined Market CapELSSSectorIndexDebtBalanced

 Offer Document :- AMC has to file with SEBI during NFO  Information about Mutual Fund, Schemes & term of Offer  Details of Scheme to be offer  Fees & Other Expenses  Standard & Scheme Specific risk factors  Unit holder rights  KIM – Key Information Memorandum:-  Short version of Offer Document with Application Form  NAV – Net Asset Value:-  NAV = Net Assets of the Scheme / Number of Units  Total Expenses :- AssetsEquityDebt First 100 Crore2.50%2.25% Next 300 Crore2.25%2.00% Next 300 Crore2.00%1.75% Remaining1.75%1.50%

 Transactions with Mutual fund :-  Fresh Purchase  Additional Purchase - Thru Transaction Slip  Switch, Redemption - Thru Transaction Slip  Investment Plans & Services :-  Growth & Dividend - Payout & Dividend Re-Investment Option  SIP – Systematic Investment Plan  STP – Systematic Transfer Plan  Capital  Capital Gain  Dividend  SWP – Systematic Withdrawal Plan  Triggers  Switch  Pledge & Nomination

(As on ) BSE Index - 29,183 Value Information% Return (CAGR) - Lumsum % Return (CAGR) - SIPStar Funds (Growth Option) Inception Date Latest NAV 1 Year 3 Year 5 Year 7 Year 10 Year 1 Year 3 Year 5 Year 7 Year 10 Year VRMS PATEL Financial Solutions' Best - Ultra Short Term Debt Funds :- Reliance Money Manager Fund , PATEL Financial Solutions' Best - Long Term Debt Funds :- ICICI Prudential Long Term Fund - (LT) PATEL Financial Solutions' Best - Hybrid - Debt Oriented Funds :- Reliance Monthly Income Plan PATEL Financial Solutions' Best - Hybrid - Equity Oriented Funds :- HDFC Balanced Fund ICICI Prudential Balanced Advantage Fund PATEL Financial Solutions' Best - Children Plans - Hybrid - Equity Oriented Fund :- HDFC Children's Gift Fund - Investment Plan PATEL Financial Solutions' Best - Equity Linked Tax Saving [ ELSS ] :- Reliance Tax Saver ( ELSS ) Fund PATEL Financial Solutions' Best - Pure Large Cap Equity Funds :- HDFC Top 200 Fund PATEL Financial Solutions' Best - Multi Cap Equity Funds :- ICICI Prudential Dynamic Plan PATEL Financial Solutions' Best - Mid & Small Cap Equity Funds :- HDFC Mid-Cap Opportunities Fund (As on ) BSE Index - 29,