TCFSL – Wealth Advisory Services Revised- July 2014

Our Wealth Management Advisory Service Offerings Financial Planning Retirement Planning Standard Advisory Services Portfolio Evaluation Services

Financial Planning  Our comprehensive Financial Planning Services will assist clients in setting realistic goals and finding a way to reach them. Our services provide an integrated approach towards achieving financial goals without any oversight that may arise from piecemeal planning.  Our detailed financial plan allows the clients to clearly establish their investment horizons and goals, their tolerance for risk prudence and diversification standards that they want the investment process to maintain.  Our systematic and disciplined approach towards financial planning ensures that our clients are provided customized solutions for their individual financial needs.

Our detailed financial planning involves: Complete Portfolio Health Check along with Client Profiling Risk Assessment of the client Detailed analysis & evaluation of the client’s existing portfolio Preparing a Financial Plan based on the desired financial goals Sharing of the recommendations and addressing the concerns thereon Assisting in implementing agreed financial planning recommendations

Retirement Planning Our comprehensive Retirement Planning Services include:  Estimating retirement corpus  Advising investments to build retirement corpus  Tactical portfolio rebalancing to meet post retirement needs Not merely an investment tool but a multi dimensional tool for estimating: Health care needs Insurance needs Succession needs

Benefits of Retirement Planning Accumulating enough money for increased life expectancy Maintaining the existing lifestyle Contingency against uncertainties Protection against medical emergencies Safeguarding your assets by having adequate insurance Financial Independence Beating the Inflation: Increasing cost of living Estate Planning

Portfolio Evaluation Services Our Portfolio Evaluation Services are designed to give a detailed insight of all investments vis-à-vis risk profiling and targeted goals. Our team of expert advisors evaluates existing investments covering all parameters such as asset allocation, diversification, inherent risk factors and past performance. Some of the benefits of our Portfolio Evaluation Services are: –Unbiased independent recommendations –No obligation of investing through us Based on our portfolio evaluation services, advisory assists clients in understanding the following: –Consolidation of schemes in the same category to switching the investments in the top performing recommended funds –Alignment of portfolio based on the investment objectives –Diversification by investing in different categories of investments 7 4-Mar-16

Standard Advisory Services  This service is available to all the onboarded clients of TATA Capital with a corpus of more than Rs.25 lacs. Our team of advisors are always abreast of the latest happenings in the global economy and ensure that your investment portfolio’s are up to date to whether any economic turmoil.  We provide a consolidated review of our clients investment portfolio depending upon the market happenings and guide him for varied investment opportunities.  We keep a close track of our client’s investments and provide regular updates on the same.

Fee Schedule for Offering Advisory Services OfferingDocumentationFees Cheque Amount (Incl. Service Tax) Financial Planning Services Client Information Sheet, Client Profiling Sheet, Declaration Sheet Retirement Planning Services Client Information Sheet, Client Profiling Sheet, Declaration Sheet Portfolio Evaluation Services Client Information Sheet, Client Profiling Sheet, Declaration Sheet & Clients current portfolio details 8000 Standard Advisory Services Client Information Sheet, Client Profiling Sheet, Declaration Sheet 12000

Investment Products Across Asset Classes Asset ClassesEquity, Debt, Real Estate, Commodities and Art Investment Instruments Available Mutual Funds (Incl. ETFs) Government Bonds Private Company Debentures Cumulative Redeemable Preference Shares (CRPS) Equity Linked Structured Products Portfolio Management Services Private Equity Corporate Fixed Deposits Our broad spectrum of Wealth Management Products includes:

Disclaimer This presentation is only for internal circulation his presentation can not be copied and/or disseminated in any manner This communication is for general information purpose only, without regard to specific objectives, financial situations and needs of any particular person This presentation does not constitute an offer or invitation to purchase or subscribe for any shares in the Company and neither any part of it shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. No representation or warranty, expressed or implied is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of such information or opinions contained herein The information contained in this presentation is only current as of its date Certain statements made in this presentation may not be based on historical information or facts and may be “forward looking statements”, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects, and future developments in its industry and its competitive and regulatory environment The Forward Looking Statements contained in this presentation speak only as of the date of this presentation, and hence and it may not reflect the current views of TCFSL.

Disclaimer …….. contd. Actual results may differ materially from these forward-looking statements due to a number of factors, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions in India Given these uncertainties, readers/viewers are cautioned not to place undue reliance on such Forward Looking Statements, and should rely entirely on their own independent enquiries, investigations and advice regarding any information contained in this presentation. Any reliance placed by a reader/viewers on the information contained in this presentation is wholly at their risk. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such revision or changes No part of this material shall be copied or duplicated in any form by any means, or redistributed. Copyright of presentation solely and exclusively belongs to Tata Capital Financial Services Ltd, and regardless of the purpose, any reproduction and/or use of this presentation in any shape or form without the prior written consent of Tata Capital Financial Services Ltd is strictly prohibited.

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