ILLUSTRATATIVE NUMERICALS FOR ADDITION

H T O H T O H T O
Carr Carr 1 Carr 1
y y y

1 2 3 4 5 6 1 2 3
+ 4 5 6 + 5 3 5 + 4 9 4
= 5 7 9 = 9 9 1 = 6 1 7

With Carry on Hundreds

Without Carry With Carry on Tens

H T O H T O H T O
Carr 1 1 Carr Carr 1
y y y

1 2 3 9 2 3 3 1 5
+ 3 8 9 + 5 6 5 + 2 2 6
= 5 1 2 1 4 8 8 + 1 3 7
= 7 7 8
With Carry on Tens & Hundreds Answer more than three digits
With Carry on Tens

H T O H T O H T O
Carr 1 Carr 1 1 Carr
y y y

1 2 3 1 2 3 1 2 3
+ 3 2 3 + 2 5 4 + 4 5 6
+ 3 6 3 + 3 4 5 + 6 1 0
= 8 0 9 = 7 2 2 1 1 8 9

With Carry on Hundreds With Carry on Tens & Hundreds Answer more than three digits
        COMPANY NAMES RATE OF INTEREST ( %) p.a MINIMUM
REMARKS
PERIOD 6M 12 24 36 INVESTMENT

ANSAL HOUSING &

11.00 12.00 12.00 12.50 NO ADD INT 20,000/-
CONSTRUCTION LTD
ANSAL PROPERTIES &
NA 11.00 11.50 12.00 PAN COPY MANDATORY 25000/-
INFRASTRUCTURE LTD
0.25% ADD. IF APPLICATION
ALEMBIC LTD NA 7.00 8.00 9.00 20000/-
AMOUNT > FIVE LAKHS
CEAT LTD NA 8.50 9.00 9.50 NO ADD INT 25000/-
DEEPAK NITRITE LTD NA 7.75 8.00 8.25 NO  
 0.50% ADD.TO SHARE
DELHI ASSAM ROADWAYS HOLDERS, EMPLOYEES, THEIR
10.00 11.00 11.00 11.00 5000/-
CORPORATION LTD PARENTS, SPOUSE &
CHILDREN
FIRST LEASING COMPANY
NA 9.25 NA NA NO 5000/-
OF INDIA LTD
GODREJ INDUSTRIES LTD NA NA 8.00 8.50   20000/-
INDAGE VINTNERS LTD 8.50 10.00 10.50 11.50 NO ADD INT 5000/-
0.50% ADD. TO SR. CITIZEN(55
IND SWIFT LTD 10.5 11.50 12.00 12.50 YR), SHARE HOLDERS (100 10000/-
SHARES) & EMPLOYEES
0.50% ADD.TO SHARE
IND SWIFT HOLDERS, EMPLOYEES,
10.5 11.50 12.00 12.50 10000/-
LABORATORIES LTD THEIR PARENTS, SPOUSE &
CHILDREN
J K LAXMI CEMENT LTD NA 9.50 10.00 10.00 NO 10000/-
JK TYREE AND
NA 8.50 8.75 8.75 NO 10000/-
INDUSTRIES LTD
JAGJIT INDUSTRIES LTD NO 25000/-
(ONLY RENEWAL) 10 10.50 11.00 11.50
JAI PRAKASH
ASSOCIATES LTD (ONLY 11 11.00 11.50 12.00 NO 20000/-
SHAREHOLDERS)
JCT LTD NA 10.50 11.00 11.50 NO 10000/-
0.25% ADD. TO SR. CITIZEN,
JSL LIMITED NA 9.00 9.50 10.00 SHARE HOLDERS (500 Share) & 21000/-
EMPLOYEES,
J.K.PAPEER LTD NA 9.00 9.50 10.00 NO 10000/-
LYKA LABS LTD 10.00 10.50 11.00 12.00 .50% SRCITIZEN  
MAHINDRA & MAHINDRA
FINANCIAL SERVICES NA 8.00 8.50 9.00 0.25% ADD TO SR CITIZEN 10,000/-
LTD
RAVALGAON SUGAR
NA NA 10.50 10.75   10000/-
FARM LTD
SHRIRAM TRANSPORT
NA 8.00 8.50 9.00 NO 21000/-
FINANCE LTD FD
SOLARIES CHEMTECH LTD NA 10 11.00 11.5 NO 20000/-
SURYA ROSHINI LTD NA 10.50 11.00 11.50 NO 25000
0.25% ADD. TO SR. CITIZEN,
TATA MOTORS LTD NA NA 8.00 8.75 SHARE HOLDERS (1 Share) & 20000/-
EMPLOYEES,
.50% SR.CITIZEN, SHARE
HOLDERS (100 SHARES),
UNITECH LTD 11 11.00 11.50 12.00 10000/-
EMPLOYEES & UNITECH
PROPERTY OWNERS
25000/-
0.25% ADD. TO SR. CITIZEN, &
UNITED BREWERIES
NA NA 11.00 11.50 DEPOSITS OF 1 LAKH &
(HOLDINGS) LTD
ABOVE

        COMPANY NAMES RATE OF INTEREST ( %) p.a MINIMUM

REMARKS
PERIOD 12M 84M INVESTMENT

0.25% EXTRA FOR SENIOR

DEWAN HOUSING CITIZEN,WIDOW, ARMED
FINANCE CORPORATION 9.00 9.10 9.25 9.00 PERSONNEL, EXISTING DHFL 10,000/-
LTD HOME BORROWERS &  DHFL
SHARE HOLDERS

PERIOD 12M 24M 36M 48M    

SHRIRAM TRANSPORT
8.00 8.50 9.00 9.00   10000/- 
FINANCE CO LTD (NCD)
GOVERNMENT
6 mths 12 mths 24 mths 36 mths    
COMPANIES
SARDAR SAROVAR  
NARMADA NIGAM LTD NA 5.5 6.5 8 10,000
TAMIL NADU POWER 8.75(36M
MINIMUM AMOUNT 10,000/- 10000/-
FINANCE NA 7.75 8.25 -60M)