formed under an Act of Parliament under the Ministry of Roads, Transport & Highways.
An autonomous organization of Government of India under the Ministry of Road Transport &
Highways, which was constituted on June 15, 1989 by an act of Parliament - The National
Highways Authority of India Act, 1988. NHAI commenced operations in February, 1995.

Company's operations are arranged into four business groups – the Infrastructure Finance Group, the Retail Finance Group, the Corporate Finance Group and the Investment Management Group. LTF's customer includes individual retail customers as well as large companies, banks, multinational companies and small- and medium-enterprises.

LTF offers a spectrum of financial products and services for trade, industry and agriculture. The company's focus segments are corporate products, construction equipment, CVs and tractors.

Objects of the Issue:

The object of the issue are:

1. Repayment of inter corporate deposit issued by Promoter to the Company.

2. To augment the capital base of L&T Finance and L&T Infra, to meet the capital adequacy requirements to support the future growth in their business.

3. To achieve the benefits of listing on the Stock Exchanges and

4. For other general corporate purposes including meeting the expenses of the Issue.

Issue Detail:

»»  Issue Open: Jul 27, 2011 - Jul 29, 2011
»»  Issue Type: 100% Book Built Issue IPO
»»  Issue Size: Equity Shares of Rs. 10
»»  Issue Size: Rs. 1,245.00 Crore
»»  Face Value: Rs. 10 Per Equity Share
»»  Issue Price: Rs. 51 - Rs. 59 Per Equity Share
»»  Market Lot:
»»  Minimum Order Quantity:
»»  Listing At: BSE, NSE

L&T Finance Holdings Ltd IPO Grading

CARE has assigned an IPO Grade 5 to L&T Finance IPO. This means as per CARE, company has 'Strong Fundamentals'. CARE assigns IPO grading on a scale of 5 to 1, with Grade 5 indicating strong fundamentals and Grade 1 indicating poor fundamentals.

PAN Card Application Form for New PAN (12)

Future ventures India Ltd is in the business of creating, building, acquiring, investing in and operating innovative and emerging businesses in consumption-led sectors in India. Within the consumption-led sectors, Future ventures has primary focus on opportunities in the business segments of Fashion, FMCG, Food Processing, Home Products, Rural Distribution and Vocational Education.

As of date, company has 13 Business Ventures, six of which are its subsidiaries. Company believes in applying a disciplined investment approach and building strong partnerships with management and promoters.

Company Promoters:

The Promoters of the company are:

Individual Promoter: Kishore Biyani

Corporate Promoters:
1. Future Capital Investment Private Limited;
2. Future Corporate Resources Limited (erstwhile PFH Entertainment Limited);
3. Future Knowledge Services Limited;
4. Pantaloon Industries Limited; and
5. Pantaloon Retail (India) Limited.

Objects of the Issue:

The objects of the Issue are:

1. To create, build, invest in or acquire, and operate Business Ventures;
2. For general corporate purposes; and
3. To meet the issue expenses and achieve the benefits of listing on the Stock Exchanges.

Issue Detail:

»»  Issue Open: Apr 25, 2011 - Apr 28, 2011
»»  Issue Type: 100% Book Built Issue IPO
»»  Issue Size: Equity Shares of Rs. 10
»»  Issue Size: Rs. 750.00 Crore
»»  Face Value: Rs. 10 Per Equity Share
»»  Issue Price: Rs. 10 - Rs. 11 Per Equity Share
»»  Market Lot: 600 Shares
»»  Minimum Order Quantity: 600 Shares
»»  Listing At: BSE, NSE

Future Ventures India Ltd IPO Grading

CARE has assigned an IPO Grade 3 to Future Ventures IPO. This means as per CARE, company has 'Average Fundamentals'. CARE assigns IPO grading on a scale of 5 to 1, with Grade 5 indicating strong fundamentals and Grade 1 indicating poor fundamentals

Customers of Muthoot Finance are typically small businessmen, vendors, traders, farmers and salaried individuals. They provide retail loan products, primarily comprising Gold Loans. They also disburse other loans, including those secured by Muthoot Gold Bonds. Their Gold Loans have a maximum 12 month term. Other then Gold Loans business, they provide money transfer services through their branches as sub-agents of various registered money transfer agencies. Company also operates three windmills in the state of Tamil Nadu.

Company Promoters:

The following individuals are the Promoters of the Company:

1. M.G. George Muthoot;
2. George Thomas Muthoot;
3. George Jacob Muthoot; and
4. George Alexander Muthoot

Objects of the Issue:

The Object of the issue are:

1. To augment capital base to meet future capital requirement to provide for funding of loans to customers;
2. General corporate purposes.

Issue Detail:

»»  Issue Open: Apr 18, 2011 - Apr 21, 2011
»»  Issue Type: 100% Book Built Issue IPO
»»  Issue Size: 51,500,000 Equity Shares of Rs. 10
»»  Issue Size: Rs. 824.00 - 901.25 Crore
»»  Face Value: Rs. 10 Per Equity Share
»»  Issue Price: Rs. 160 - Rs. 175 Per Equity Share
»»  Market Lot: 40 Shares
»»  Minimum Order Quantity: 40 Shares
»»  Listing At: BSE, NSE

Muthoot Finance Ltd IPO Grading

CRISIL has assigned an IPO Grade 4 to Muthoot Finance Ltd IPO. This means as per CRISIL, company has 'Above Average Fundamentals'. CRISIL assigns IPO grading on a scale of 5 to 1, with Grade 5 indicating strong fundamentals and Grade 1 indicating poor fundamentals.

Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies.

At the beginning of this millennium, mutual funds out numbered all the listed securities in New York Stock Exchange. Mutual funds have an upper hand in terms of diversity and liquidity at lower cost in comparison to bonds and stocks. The popularity of mutual funds may be relatively new but not their origin which dates back to 18th century. Holland saw the origination of mutual funds in 1774 as investment trusts before spreading to Anglo-Saxon countries in its current form by 1868.

We will discuss now as to what are mutual funds before going on to seeing the advantages of mutual funds. Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies. The stocks these mutual funds have are very fluid and are used for buying or redeeming and/or selling shares at a net asset value. Mutual funds posses shares of several companies and receive dividends in lieu of them and the earnings are distributed among the share holders.

Mutual Funds

Consider the following benefits of investing through a mutual fund
Mutual funds allow you to invest small sums. For instance, if you want to buy a portfolio of blue chips of modest size, you should at least have a few lakhs of rupees. A mutual fund gives you the same portfolio for meager investment of Rs.1,000-5,000. A mutual fund can do that because it collects money from many people and it has a large corpus.

Professional management
The major advantage of investing in a mutual fund is that you get a professional money manager to manage your investments for a small fee. You can leave the investment decisions to him and only have to monitor the performance of the fund at regular intervals.

Diversification
Considered the essential tool in risk management, mutual funds make it possible for even small investors to diversify their portfolio. A mutual fund can effectively diversify its portfolio because of the large corpus. However, a small investor cannot have a well-diversified portfolio because it calls for large investment. For example, a modest portfolio of 10 bluechip stocks calls for a few a few thousands.

Convenience
Mutual funds offer tailor-made solutions like systematic investment plans and systematic withdrawal plans to investors, which is very convenient to investors. Investors also do not have to worry about investment decisions, they do not have to deal with brokerage or depository, etc. for buying or selling of securities. Mutual funds also offer specialized schemes like retirement plans, children's plans, industry specific schemes, etc. to suit personal preference of investors. These schemes also help small investors with asset allocation of their corpus. It also saves a lot of paper work.

Cost effectiveness
A small investor will find that the mutual fund route is a cost-effective method (the AMC fee is normally 2.5%) and it also saves a lot of transaction cost as mutual funds get concession from brokerages. Also, the investor gets the service of a financial professional for a very small fee. If he were to seek a financial advisor's help directly, he will end up paying significantly more for investment advice. Also, he will need to have a sizeable corpus to offer for investment management to be eligible for an investment adviser's services.

Liquidity
You can liquidate your investments within 3 to 5 working days (mutual funds dispatch redemption cheques speedily and also offer direct credit facility into your bank account i.e. Electronic Clearing Services).

Tax breaks
You do not have to pay any taxes on dividends issued by mutual funds. You also have the advantage of capital gains taxation. Tax-saving schemes and pension schemes give you the added advantage of benefits under section 88.

Transparency
Mutual funds offer daily NAVs of schemes, which help you to monitor your investments on a regular basis. They also send quarterly newsletters, which give details of the portfolio, performance of schemes against various benchmarks, etc. They are also well regulated and Sebi monitors their actions closely

• Establishing and defining the client-planner relationship
• Gathering client data including goals
• Analyzing and evaluating the client's financial status
• Developing and presenting Financial Planning recommendations and/or alternatives
• Implementing the Financial Planning recommendations
• Monitoring the Financial Planning recommendations

When providing Financial Planning advice, a CFPCM practitioner will define the scope of the work she or he will do with you, and clearly explain and document the services she or he will provide, the method of compensation and other relevant information. CFPCM practitioners will work with you to determine your personal and financial goals, needs and priorities; understand your time frame for achieving results; and discuss your tolerance for financial risk. Practice Standards also require the CFPCM practitioner to gather all necessary financial information about you when developing your personal Financial Plan. A Matter of Trust As more people call themselves "Financial Planners," finding the right professional to address your Financial Planning needs isn't always easy. Take your time when choosing a Financial Planner. Before making a decision, become familiar with the planner's business style and understand the level of services he or she provides. Look for a measure of the planner's commitment to ethical behavior and adherence to high professional standards. Most importantly, look for a Financial Planner who will put you and your needs at the center of every Financial Planning engagement.

CERTIFIED FINANCIAL PLANNER

Choosing a Financial Planner may be one of the most important decisions you make for yourself and your loved ones. Financial Planners can provide you and your family with guidance over your lifetime, or work with you to address specific concerns as needed. Regardless of how you choose to work together, a planner can play a central role in helping you meet your life goals and achieve financial well-being. Consequently, take the time to select a Financial Planner who is competent and trustworthy, one on whom you can depend for professional advice and services.

Mark of Quality

CFP^CM and CERTIFIED FINANCIAL PLANNER^CM are marks which help you identify Financial Planners who are committed to competent and ethical behavior when providing Financial Planning services. CFP^CM practitioners have taken the extra step to demonstrate their professionalism by voluntarily submitting to the rigorous CFP^CM certification process. In addition to significant education and experience requirements, they must pass a comprehensive exam that tests their personal Financial Planning knowledge and skills, continually update their abilities and abide by FPSB India Code of Ethics and Professional Responsibility (Code of Ethics) and Financial Planning Practice Standards (Practice Standards).

When you work with a CFP^CM practitioner, you are the focus of the Financial Planning relationship and your needs drive the Financial Planner's recommendations. As a client, you can choose from a wide variety of planners and planning services.

CFP^CM practitioners can work in several settings including small Financial Planning practices, large financial services firms, banks and other financial institutions. Planners are compensated for the services they provide in different ways, as well. Some are paid through commissions and others through fees or a combination of both. While all CFP^CM practitioners are trained to provide you with comprehensive Financial Planning services, some specialize in one or more areas, or work with specific types of clients. Interview several candidates and choose the one with whom you feel most comfortable and who best meets your needs.

Tested For Competency

When selecting a Financial Planner, you need to feel confident that the person you choose to help you plan for your future is competent and ethical. To earn the right to use the CFP^CMmarks, individuals must complete the following competency requirements.

Education

A candidate must complete academic coverage of the Financial Planning curricula by undergoing the 6 Module CFP_CM Certification Education Program through an Authorized Education Provider and pass corresponding Exam 1-4 conducted by NSE. However candidates applying through the Challenge Status Pathway are exempted from the Education Program considering their higher qualifications & work experience. Education criteria demonstrate to the public that the candidate has acquired the necessary knowledge to become a Financial Planner.

Examination

The CFP^CM Certification Examination (also called Exam 5 based on Module VI-Advanced Financial Planning) is designed to assess the candidate’s ability to apply Financial Planning knowledge to real-life Financial Planning situations. By passing the CFP^CM Certification Examination, the candidate demonstrates to the public that he/she is at the appropriate level of competency required to practice Financial Planning.

Experience

The experience requirement centers on work that involves Personal Financial Planning. Candidates under the Regular Pathway may complete the experience criteria pre or post appearing Exam 5 however candidates under Challenge Status pathway need to have attained relevant experience before appearing Exam 5. The Experience criterion is designed to provide the public with the assurance that the candidate understands the counseling nature of personal Financial Planning.

Mutual funds have diversified investments spread in calculated proportions amongst securities of various economic sectors. Mutual funds get their earnings in two ways. First is the most organic way, which is the dividend they get on the securities they hold. Second is by the redemption of their shares by investors will be at a discount to the current NAVs (net asset values).