1. Bank FDs Positive’s Capital safety Up to Rs.1 lac per account under Deposit Insurance and Credit Guarantee Corporation of India Returns Guaranteed Different maturity buckets for different investment horizons

2. Bank FDs Nagative’s Poor Liquidity – Normally, premature withdrawal attracts penal interest Tax-inefficient – Returns hardly keep pace with inflation For illustration purposes only. Renewal required – Don’t renew, and you lose interest Investor Tax Slab 30%20% Pre-tax returns 6.5%6.5% Returns after taxes 4.55%5.2% Current inflation rate 7%7%

3. Tax-efficient returns Bank FDs Mutual Fund Investor’s tax bracket 30%20% Growth Plan Dividend Plan Pre-tax return 8%8%8%8% Post-tax return 5.6%6.4%7.2%6.22% Inflation7%7%7%7% For illustrative purposes only. Please note that the actual returns may vary. Under the growth plan, long term capital gains tax @ 10% (without surcharge) has been considered assuming a one year plus horizon. Under the dividend plan, it is assumed that the entire gains are distributed.

4. BANK FIXED DEPOSIT V/S MUTUAL FUND EQUITY SCHEME Growth of Rs. 1 Lac invested for 3 years MF Out Performance Fr. I. Blue chip FundFD Date Bonus/Div adjusted NAV Date after 3 year Bonus/Div adjusted NAV Rate of Returns Value After 3 Years Rate of Returns Value Aft 3 Years 5-Mar-9930.35694-Mar-0256.7077 23.16% 1,86,80410.50% 1,34,923 51,880 9-Jun-9931.54437-Jun-0251.9101 18.08% 1,64,63810.25% 1,34,010 30,628 11-Feb-0068.569810-Feb-0355.5083 -6.80% 80,95210.00% 1,33,100 (52,148) 4-Apr-0061.48134-Apr-0355.9881 -3.07% 91,0659.50% 1,31,293 (40,228) 2-Aug-0053.30141-Aug-0373.7152 11.42% 1,38,34010.00% 1,33,100 5,240 12-Sep-0059.370412-Sep-0385.4214 12.89% 1,43,87910.00% 1,33,100 10,779 1-Jan-0153.58931-Jan-04125.2415 32.71% 2,33,70610.00% 1,33,100 1,00,606 5-Mar-0153.34944-Mar-04130.7828 34.84% 2,45,1449.50% 1,31,293 1,13,851 6-Aug-0146.24895-Aug-04120.7558 37.70% 2,61,1009.00% 1,29,503 1,31,597 10-Sep-0143.65829-Sep-04123.3945 41.39% 2,82,6378.50% 1,27,729 1,54,908 12-Dec-0147.448310-Dec-04143.1606 44.55% 3,02,0248.25% 1,26,848 1,75,176 1-Apr-0255.700231-Mar-05150.5969 39.31% 2,70,3708.00% 1,25,971 1,44,399 29-Jul-0251.190527-Jul-05173.6014 50.30% 3,39,5078.00% 1,25,971 2,13,536 1-Nov-0248.815731-Oct-05182.2851 55.14% 3,73,4157.00% 1,22,504 2,50,911 25-Nov-0251.358424-Nov-05203.1067 58.14% 3,95,4696.50% 1,20,795 2,74,674 13-Jan-0355.292412-Jan-06220.6659 58.62% 3,99,0896.25% 1,19,946 2,79,143 5-May-0355.91614-May-06292.9659 73.68% 5,23,9386.00% 1,19,102 4,04,837 10-Nov-03101.90129-Nov-06298.6990 43.11% 2,93,1265.50% 1,17,424 1,75,702 1-Jan-04125.241529-Dec-06315.8505 36.19% 2,52,6205.25% 1,16,591 1,36,029 9-Aug-04121.09169-Aug-07355.3636 43.17% 2,93,4675.25% 1,16,591 1,76,875 29-Nov-04141.817329-Nov-07430.9300 44.84% 3,03,8635.70% 1,18,093 1,85,770

5. 9-Jan-06223.92837-Jan-09241.7001 2.58% 1,07,9446.25% 1,19,946 (12,002) 22-Mar-06259.790420-Mar-09225.1246 -4.67% 86,6456.50% 1,20,795 (34,150) 2-May-06290.447129-Apr-09282.0463 -0.98% 97,1026.50% 1,20,795 (23,693) 18-Aug-06261.469617-Aug-09372.5133 12.52% 1,42,4697.00% 1,22,504 19,965 11-Dec-06305.391710-Dec-09439.7947 12.93% 1,44,0107.75% 1,25,098 18,912 12-Jan-07316.810011-Jan-10452.6914 12.63% 1,42,8918.25% 1,26,848 16,042 9-Aug-07355.36369-Aug-10493.6069 11.56% 1,38,8608.50% 1,27,729 11,131 7-Nov-07426.86854-Nov-10555.1131 9.17% 1,30,1068.50% 1,27,729 2,377 17-Dec-07442.133816-Dec-10538.5429 6.80% 1,21,8058.50% 1,27,729 (5,923) 4-Jan-08469.67253-Jan-11549.9900 5.40% 1,17,1018.50% 1,27,729 (10,628) 2-Jun-08360.54112-Jun-11513.5843 12.52% 1,42,4488.85% 1,28,969 13,479 30-Jun-08300.459730-Jun-11519.5468 20.03% 1,72,9179.00% 1,29,503 43,414 18-Aug-08331.521118-Aug-11470.5443 12.38% 1,41,9359.75% 1,32,195 9,740 1-Oct-08310.933930-Sep-11477.7306 15.41% 1,53,7049.75% 1,32,195 21,510 1-Dec-08222.59241-Dec-11474.4469 28.69% 2,13,1469.25% 1,30,396 82,750 1-Jan-09245.667230-Dec-11447.7669 22.20% 1,82,4668.50% 1,27,729 54,737 9-Mar-09210.30057-Mar-12503.4590 33.81% 2,39,5918.50% 1,27,729 1,11,862 13-Apr-09268.387012-Apr-12506.9706 23.62% 1,88,8958.00% 1,25,971 62,924 4-May-09296.02633-May-12494.5222 18.65% 1,67,0537.75% 1,25,098 41,955 19-May-09348.925718-May-12470.5731 10.48% 1,34,8637.50% 1,24,230 10,634 15-Jun-09364.544014-Jun-12481.7225 9.74% 1,32,1447.25% 1,23,365 8,779 27-Jul-09383.431226-Jul-12490.1881 8.53% 1,27,8427.25% 1,23,365 4,478 18-Sep-09408.310717-Sep-12 526.6333 8.85% 1,28,9787.25% 1,23,365 5,613 5-Oct-09413.32514-Oct-12 542.1402 9.46% 1,31,1657.00% 1,22,504 8,662 9-Nov-09418.19548-Nov-12 538.9188 8.82% 1,28,8676.50% 1,20,795 8,073 17-Aug-10491.0291 7.25% 1-Oct-10547.9088 7.25% 7-Dec-10538.3285 8.25% 3-Jan-11549.9900 8.25% 14-Feb-11499.4830 8.25% 12-May-11508.1947 8.25% 11-Jul-11517.7734 9.25% 12-Aug-11480.8802 9.25% Overall gain in MF compare to FD 33,94,804

6. All Observations: A) In the above Observation, it is clear that even FD is volatile. Ranging between 10.5% to 5.25% in last 13 years. Ranging between 10.5% to 5.25% in last 13 years. B) Total 46 case under observation. C) 4 time Negative Performance by MF. D) 3 time Under Performance (Compare to FD) by MF. E) 12 time Moderate out performance (Up to Rs. 15,000) by MF. F) 11 time Extra ordinary out performance (Up to Rs. 1,00,000) by MF. G) 16 time Double Extra ordinary out performance (More than Rs. 1,00,000) by MF. H) Overall gain in MF compare to FD is Rs.33,94,804 I) Long term Capital gain Tax benefit also available in Equity MF Scheme. I) Long term Capital gain Tax benefit also available in Equity MF Scheme.

7. Convenience You need to open an account only once Keep adding more to the same account or withdraw whenever you want No renewal worries Your money continues to earn return for you as long as you stay invested

8. Thank You