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Mutual Funds

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Fixed Deposits

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NJ Fundz Network a division of NJ IndiaInvest Pvt Ltd is solely & wholly dedicated for investment advisors , it is engaged in providing technology based services to their investment advisors to effectively manage their clients portfolio. NJ Fundz is an investment supermarket offering more than 600 mutual fund schemes, fixed deposits of quality companies, RBI Relief Bonds and initial public offering of bonds , debentures & shares. NJ Fundz Network offers a web presence to their partners through which the partners can offer their clients consolidated investment management reports namely+ Read More

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Mutual Funds
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Mutual Funds

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The mutual funds are becoming the most popular investment vehicle offering various kind of schemes with different investment objectives. We believe that investments through mutual funds is one of the most safest, easiest and onvenient way of successful investment making. The investments are in congruence to the laid down investment objectives securing the goals & objectives of the unit holders.

A plethora of mutual fund schemes with different features, makes the right choice for an investor difficult.

We have a dedicated task force to analyse the different schemes of mutual funds across various parameters on an ongoing basis. An arduous process with strict disciplinary levels is followed before offering any product, scheme or recommendation as we believe that we are morally bound as trustees to our clients investments.

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Postal Schemes
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Postal Schemes

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A. Monthly Income Scheme
Who can open an account
Any individual can either singly or jointly open this account. It can also be opened by minor who has attained age of ten years.

How to make deposit
There shall be only one deposit in the account

Limit on Deposit
The minimum deposit required is Rs.6,000 and the maximum permissible deposit is Rs.3,00,000 for a single account and Rs.6,00,000 for a joint account.

Return on investment
8% p.a. payable monthly.

Tenure
The tenure of account is 6 years

Premature Withdrawal
The amount deposited can be withdrawn after 3 years. If the amount is withdrawn before 3 years then 5% of the amount deposited shall be deducted.

Tax liability
The interest qualifies for deduction under section 80L up to a maximum limit of Rs.9,000. No TDS is deducted from interest. The wealth tax exemption is available. The bonus also qualifies for deduction under section 80L.

Nominations
Nomination facility is available.

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Fixed Deposits
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Fixed Deposits

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Fixed deposits are normally unsecured loans issued by corporates, banks ,financial institutions and others.

The companies to fund their short term requirements or other financial requirements borrows from the general public and provides a better rate than the banks.
The company enters into a contract with the depositor, wherein the company has an
obligation to pay the interest payment & principal at a pre-determined time & at a pre- specified rate

The main difference between a fixed deposit and a bond is, the bonds are transferable instruments whereas fixed deposits are non transferable. Hence apart from interest earnings fixed deposits cannot offer capital appreciation as the same can be surrendered only to the issuer before its maturity.

In case of a premature withdrawal by the depositor, the depositor gets his capital back at a 1% lesser rate than the contracted rate. The premature withdrawal is only possible after a minimum holding of six months. The company fixed deposits in India are governed by the company law board and the Reserve Bank of India

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Realty Desk

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Real Estate is the booming sector in India and the market is growing rapidly with big developers, quality construction and world class amenities available these days. The demand is also surging with booming Indian economy and increasing trend for nuclear families. In addition to variety, Real Estate also offers opportunities for huge appreciation which makes it perfect place for investment together with the other options available for diversification of your investments. We offer multiple solutions in Real Estate to all our customers.

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NRI Zone

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We have host of services available for our NRI customers. You can be assured of the best practices and high service standards from us while making your investments. We assist our NRI clients not only in the investment part but also take care of minute details in the transaction processing and documentation required for the transactions.Our core competency lies in mutual fund advisory. We follow client need based advisory model after assessing your risk profile and investment objective.

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Mutual Fund Consultant

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The mutual funds are becoming the most popular investment vehicle offering various kind of schemes with different investment objectives. We believe that investments through mutual funds is one of the most safest, easiest and onvenient way of successful investment making. The investments are in congruence to the laid down investment objectives securing the goals & objectives of the unit holders.A plethora of mutual fund schemes with different features, makes the right choice for an investor difficult.We have a dedicated task force to analyse the different schemes of mutual funds across various parameters on an ongoing basis. An arduous process with strict disciplinary levels is followed before offering any product, scheme or recommendation as we believe that we are morally bound as trustees to our clients investments.

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Learning Center

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Absolute Return
The return an asset achieves over a period of time. This measure considers the appreciation or depreciation (expressed as a percentage) that an asset - usually a stock or a mutual fund - faces over a period of time. Absolute return differs from relative return in that it is concerned only with the return of the asset, and does not compare it with any other measure.
Accrual bond
A bond in which no periodic coupon is paid over the life of the contract. Both the principal and interest are paid at maturity. Also called zero-coupon bonds, these bonds are sold at a discount on their par value. On maturity, the holder is paid the par value of the bond.
Accrued interest
Interest earned but not paid since the last due date. This usually applies to fixed income securities like bonds that are purchased in the secondary market. These securities usually pay dividends after six months or a year. When buyers buy bonds from the secondary market, they pay the seller the market price of the bond, in addition to the interest that would have accrued since the last time interest was paid on the bond. Buyers collect this interest a few months later, when the interest is distributed.
Accumulated dividend
A dividend due, but not yet paid, to a preferred stock holder. Preference share holders have the privilege of getting dividend from the company even if the company runs losses and is not in a position to pay dividends. The dividend is not paid immediately, but is accumulated and paid off whenever the company records profits.

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How to Invest

Lump sum payment to be made at the time of investment. The certificates are issued in the denomination of Rs.100, Rs.500, Rs.1,000, Rs.5,000, Rs.10,000 and other denominations as may be notified by the Central Government.

Limit on investment

Minimum investment required is Rs.100. There is no limit on maximum investment.

Period of investment

6 years.

Return on investment

The rate of interest is 8% p.a. compounded half-yearly, payable on maturity. Rs.100 invested becomes Rs.160.10 at maturity.

Premature encashment

Premature encashment can be done only in following circumstances :

- On the death of holder or any of joint holder

- On forfeiture, by a pledge being a Gazetted Government Officer

- When ordered by court of law.

Place of encashment

The certificate shall be encashable at the Post Office at which it stands registered. These can be encashed anywhere in India by getting the same transfered free of cost.

For transfer request form click here

Who can purchase

Any individual can either singly or jointly minors and trusts.

Nomination facility

Nomination facility is available.

Tax benefits

The investment amount qualifies for deduction under section 88 of the Income Tax Act. The interest accruing annually but deemed to be invested will also qualify for tax deduction under section 88 of Income Tax Act. The interest earned is also entitled to exemption under section 80L of Income Tax Act

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