MARKETS &FINANCE 17

MONDAY, JANUARY 9, 2012, DELHI WWW.LIVEMINT.COM

mint money
Axis Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
Development Credit Bank
Dhanlaxmi Bank
HDFC Bank
ICICI Bank
IDBI Bank
Indian Overseas Bank
IndusInd Bank
Kotak Mahindra Bank
Oriental Bank of Commerce
State Bank of India
Syndicate Bank
The Federal Bank
Union Bank of India
Vijaya Bank
7.50
7.00-7.75
8.00
7.00-8.80
8.10
8.50
9.25
8.00
6.75
8.75
7.25-8.00
7.00-7.75
9.00-9.25
8.00-8.50
6.50-8.50
7.75-9.00
9.00
7.00-7.75
8.50-9.55
7.00-9.50
8.60-8.75
8.00
9.30-9.40
9.25-9.35
9.00-9.25
9.30
9.25
9.25-9.40
9.50-9.65
9.50-9.60
8.00-10.00
8.75-9.75
7.25-9.25
8.25-9.25
9.50
9.50
8.00-9.50
9.50
9.75
9.25
9.35
9.50-9.75
9.25
9.25
9.30
9.25
9.00
9.30
9.25
9.30
9.25
9.50
8.00-9.50
8.75-9.00
8.50-9.25
8.50-9.25
9.50
9.25
8.75-9.50
9.25
9.25
9.25
9.35
9.25
9.25
9.35
8.50
9.00
8.50-9.00
9.00-9.35
9.25
9.25
9.25
9.30
8.00-9.30
8.75-10.10
8.25-8.50
8.75
9.50
9.25
8.75
9.25
9.25
9.25
9.25
9.25
9.25
9.00
8.50
8.50
8.75
9.00
9.00
9.09
9.00-9.25
8.75
8.00-9.30
9-10.10
8.25
8.75
9.50
9.00
8.75
9.25
9.25
9.25
9.25
9.00
8.50-9.40
8.75
Fixed deposit rates
Source : Apnapaisa Research Bureau, www.apnapaisa.com
Bank 6 months-364 days 1-2 years 2-3 years 3-5 years Above 5 years
FUNDS | INSURANCE | DEPOSITS | LOANS
How to use this data: For each age band, you can pick the cheapest premium
for three insurance amounts. For instance, the cheapest medical cover for a
42-year-old for a cover of R1 lakh, R2 lakh and R5 lakh is given
Health insurance
Age
(years)
Sum insured (R)
1 lakh 2 lakh 5 lakh
20-25
26-30
31-35
36-40
41-45
46-50
51-55
56-60
Premiums in R
National Pension System
Scheme
11.31
11.20
10.51
10.94
9.67
11.23
Net asset value
R (as on 06 January)
ICICI Prudential Pension Fund Scheme E - Tier I
IDFC Pension Fund Scheme E - Tier I
Kotak Pension Fund Scheme E - Tier I
Reliance Pension Fund Scheme E - Tier I
SBI Pension Fund Scheme E - Tier I
UTI Retirement Solutions Pension Fund Scheme E - Tier I
Source: National Security Depository Ltd
Royal Sundaram
1,151
Royal Sundaram
1,850
Royal Sundaram
4,038
New India Assurance
1,434
Bharti AXA
1,955
Bharti AXA
4,908
New India Assurance
1,434
Bharti AXA
1,955
Bharti AXA
4,908
Future Generali
1,542
Future Generali
2,759
Future Generali
5,672
Future Generali
1,542
Future Generali
2,759
Future Generali
5,672
Future Generali
2,508
Future Generali
4,058
Future Generali
9,060
Future Generali
2,508
Future Generali
4,058
Future Generali
9,060
Star Health
3,673
National Insurance
5,655
Future Generali
12,210
Source : Apnapaisa Research Bureau, www.apnapaisa.com
How to use this data: For a 40-year-old who wants a cover of R60 lakh, the
lowest premiumis given. the tenure is 30 years for a 30-year-old, 20 years for
a 40-year-old and 10 years for a 50-year-old person. Note: All the products
mentioned above can be purchased online only
Insurance
Life insurance
Premiums in rupees for the lowest term insurance covers for different sums
assured. The term of the policy is 60 years minus the age.
Sum assured
(R lakh)
Age
30 years 40 years 50 years
Kotak e-Term
2,281
Kotak e-Term
3,453
Kotak e-Term
5,993
Kotak e-Term
3,714
Kotak e-Term
6,056
Future Generali Life
9,574
Aviva i Life
4,277
Kotak e-Term
6,700
Kotak e-Term
11,168
10
20
30
40
50
75
100
125
150
200
Kotak e-Term
5,603
Kotak e-Term
8,630
Kotak e-Term
14,532
Aviva i Life
4,550
Aviva i Life
8,103
Aviva i Life
17,021
Aviva i Life
6,824
Aviva i Life
12,154
Aviva i Life
25,531
Aviva i Life
8,127
Aviva i Life
15,225
Aviva i Life
33,065
Aviva i Life
10,159
Aviva i Life
19,031
Aviva i Life
41,331
Aviva i Life
12,190
Aviva i Life
22,838
Aviva i Life
49,597
Aviva i Life
16,254
Aviva i Life
30,449
Aviva i Life
66,129
Cheapest home loans
Home loans
Axis Bank
Bank of Baroda
Bank of Maharashtra
Canara Bank
Central Bank of India
Corporation Bank
HDFC Limited*
ICICI Bank*
IDBI Bank*
Indiabulls Housing Finance
Union Bank of India
LIC Housing Finance*
Oriental Bank of Commerce
Punjab National Bank
SBI
EMI per lakh (R)
Home loan company
*This bank has interest rates fixed for the initial few years and thereafter then prevailing rate are applicable; The home loan rates are indicative rates, which may
change according to the credit profile of the customer; fixed interest rates are usually subject to reset clause of two to five years and vary frombank to bank. However,
fixed interest rates of ICICI Bank, HDFC and Axis Bank remain fixed during the entire tenor of the loan; PN: The rates given above are for the first year of the loan tenor.
For the subsequent years, the interest rates vary frombank to bank; DP: does not provide; EMI: equated monthly instalment; DNA: data not available
2,174
2,174
2,159
2,162
2,162
2,207
2,162
2,174
2,174
2,174
2,187
2,164
2,162
2,187
2,149
2,212
DP
DNA
DP
DNA
2,327
2,237
2,353
2,301
DP
2,250
DP
DNA
2,212
DP
5 years
Fixed Floating
1,378
1,392
1,375
1,378
1,378
1,415
1,363
1,378
1,378
1,378
1,406
1,366
1,363
1,406
1,349
1,420
DP
DNA
DP
DP
1,553
1,449
1,583
1,523
DP
DP
DP
DNA
1,435
DP
10 years
Fixed Floating
1,137
1,152
1,149
1,152
1,137
1,178
1,121
1,137
1,137
1,137
1,168
1,124
1,137
1,168
1,105
1,184
DP
DP
DP
DP
1,332
1,216
1,366
1,298
DP
DP
DP
DNA
1,200
DP
15 years
Fixed Floating
1,032
1,066
1,046
1,049
1,032
1,077
1,015
1,032
1,032
1,032
1,084
1,019
1,032
1,084
998
1,084
DP
DP
DP
DP
1,244
1,119
1,280
1,207
DP
DP
DP
DNA
1,119
DP
20 years
Fixed Floating
Home loan EMI per R1 lakh for a loan amount of R30 lakh as on 06 January
MF update
Religare Equity
Edelweiss Diversified Growth Equity Top 100 Plan A
Taurus Bonanza
Birla Sun Life Top 100
ICICI Prudential Dynamic
Canara Robeco Equity Diversified
Birla Sun Life Frontline Equity
Principal Large Cap
Tata Equity Management
UTI Dividend Yield
DWS Investment Opportunity Regular
Fidelity Equity
Magnum Equity
Sundaram Growth Reg
SBI Bluechip
SBI PSU
Daiwa Industry Leaders
Religare Growth
Principal Growth
Fidelity India Growth
Sahara Growth
Magnum Contra
Reliance NRI Equity
SBI One India
LIC Nomura MF Growth
Morgan Stanley Growth
Franklin India Flexi Cap
Reliance Equity
UTI Opportunities
Sundaram India Leadership Reg
ING Core Equity
Reliance Vision
Kotak Equity FoF
Franklin India Prima Plus
Mirae Asset India Opportunities Regular
UTI Equity
LIC Nomura MF India Vision
UTI Contra
Axis Equity
IDFC Classic Equity Plan A
JM Equity
ICICI Prudential Advisor-Very Aggressive
Bharti AXA Equity Reg
Mirae Asset India-China Consumption Reg
Edelweiss Equity Enhancer Plan A
ING OptiMix Multi Manager Equity Option A
Franklin India Opportunities
Tata Pure Equity
Birla Sun Life Advantage
Magnum MultiCap
32.50
26.77
16.48
12.84
11.48
10.82
9.93
8.97
8.74
8.69
8.58
8.54
8.28
8.07
7.50
7.45
7.34
7.32
6.93
6.87
6.72
6.43
6.37
6.34
6.15
6.08
6.08
5.95
5.79
5.77
5.74
5.74
5.33
5.25
5.13
5.05
4.63
4.63
4.47
4.46
4.45
4.22
4.06
3.84
3.54
3.37
3.11
2.97
2.94
2.56
Scheme % of corpus
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
Cash holding of equity funds
Equity: Large and mid cap cash holdings
Figures as on 30th November 2011 Source: Value Research
NAV
(daily)
3-yr
return
5-yr
return
10-yr
return
Expense
ratio
Fund size
(R cr)
Value Research
rating (3-year)
DSPBR Top 100 Equity Reg
Franklin India Bluechip
Goldman Sachs Nifty ETS****
ICICI Prudential Focused Bluechip Equity Retail
Kotak Sensex ETF****
Large-Cap core
Category average
88.06
189.55
485.13
14.81
162.94
18.18
21.40
16.01
25.79
16.27
8.85
7.62
4.44
**
**
*
25.58
*
*
*
1.85
1.83
0.50
1.85
0.50
3051.44
4261.76
566.28
3532.16
36.1
14.93 3.31 18.88
Birla Sun Life Frontline Equity
Fidelity Equity
Franklin India Prima Plus
HDFC Top 200
ICICI Prudential Dynamic
Mirae Asset India Opportunities Regular
UTI Equity
UTI Dividend Yield
Large & Mid Cap core
Category average
Goldman Sachs Nifty Junior BeES****
HDFC Equity
Quantum Long Term Equity
Templeton India Growth
Multi Cap
Core
AIG India Equity Reg
DSPBR Equity
Reliance Regular Savings Equity
Tata Equity PE
Category Average
Satellite
Satellite
DSPBR Small and Mid Cap Reg
HDFC Mid-Cap Opportunities
IDFC Premier Equity Plan A
Religare Mid Cap
Mid & Small Cap
Core
Satellite
Fidelity Tax Advantage
HDFC Taxsaver
Religare Tax Plan
Tax Planning
Core
Category Average
BSE Sensex
S&P CNX Nifty
Birla Sun Life 95
DSPBR Balanced
HDFC Prudence
Tata Balanced
Equity-oriented
Core
FT India Balanced
Category average
Satellite
Birla Sun Life MIP
Canara Robeco MIP
HDFC MIP Long-term
HDFC MIP Short-term
Reliance MIP
Debt-oriented Conservative
Core
Birla Sun Life MIP II Savings 5
UTI Monthly Income Scheme
Category average
Satellite
DSPBR T.I.G.E.R. Reg
ICICI Prudential Infrastructure
Tata Infrastructure
Thematic/Sectoral
74.18
30.67
195.53
175.71
92.76
14.35
48.28
18.8
22.27
18.65
21.66
20.01
25.79
20.99
7.93
7.71
6.82
9.67
6.96
**
8.12
*
*
25.21
28.61
*
*
21.81
28.47 22.68 12.41 *
1.85
1.84
1.89
1.77
1.45
2.39
1.90
1.84
2805.93
3370.77
1786.94
10537.06
3962.49
189.2
1857.63
3451.66
15.84 3.82 21.97
85.82
224.49
19.31
94.07
20.01
23.98
26.5
19.59
3.67
8.78
9.55
7.04
*
28.02
*
22.99
1.00
1.78
1.33
2.11
94.66
9178.82
89.98
709.81
11.11
40.36
23.78
39.74
21.45
19.92
17.70
20.69
18.06
**
8.54
8.26
9.16
4.68
*
26.93
*
*
25.28
2.40
1.87
1.84
2.17
142.96
2471.55
2808.09
641.13
14.17
13.66
28.88
12.45
12.66 31.91
20.79
**
3.46
*
23.39
2.26
26.41
27.20
27.91
27.55
5.90
**
16.39
**
*
*
*
*
1.99
1.95
1.88
2.50
1168.31
1700.35
2407.02
51.91
436.7
18.84
196.36
15.39
22.67
23.75
21.64
8.4
5.77
8.64
*
27.53
*
2.00
2.07
2.48
1124.8
2880.17
103.66
16.81
15.36
15.16
2.91
2.74
3.60
21.51
16.74
15.80
281.60
58.36
189.42
76.75
19.79
16.40
24.75
20.10
9.89
8.42
10.52
9.08
20.05
20.29
25.45
20.77
2.29
2.08
1.79
2.33
501.65
685.22
6100.41
315.37
44.66 14.23
14.60
6.35
4.88
18.38
17.67
2.31 218.41
27.20
30.37
23.03
17.44
21.92
7.96
9.52
12.66
8.39
9.49
7.31
9.19
9.44
6.26
9.56
8.95
11.59
*
*
*
2.13
2.07
1.53
2.02
1.54
18.65
20.31
5.13
8.83
7.92
10.12
8.02
6.89
*
*
10.15
1.30
1.80
398.50
497.22
34.69
22.69
24.17
9.30
7.16
6.79
0.87
3.87
-0.06
*
*
*
1.89
1.86
1.86
1652.54
2114.24
1154.69
FT India Dynamic PE Ratio FoF
Category Average
Asset Allocation core
38.52 15.92
10.96
9.17
4.45
* 0.75 1505.81
DSPBR Micro Cap Reg
Category Average
NR
157.1
340.29
7876.82
322.09
5182.3
Principal Income Short-term
Reliance Short-term
SBI Short Horizon Debt Short Term Ret
Templeton India Short-term Income Ret
UTI Short-term Income Regular
Category average
NSE Treasury Bill Index
NSE G-Sec Composite Index
Short Term
Core
NAV
(daily)
3-month
return
6-month
return
2-year
return
Expense
ratio
Fund size
(R cr)
Value Research
rating (3-year)
18.43
19.57
13.61
2,094.41
18.05
2.64
2.75
2.41
2.22
2.65
2.39
2.32
3.12
5.02
4.72
4.25
4.55
5.13
4.59
3.64
2.84
7.43
6.65
6.66
7.27
7.67
6.80
6.14
3.00
0.75
0.81
1.60
1.30
0.48
19.44
758.62
419.09
4673.89
294.3
NAV and returns are as on 06/01/2012; Value Research rating is as on 31/12/2011; Fund size as on 31/12/2011; * The fund has not yet completed 10
years; ** The fund has not yet completed 5 years; ***The fund has not yet completed 3 years; ****An exchange-traded fund (ETF), this can be bought or
sold only on stocks exchanges. You need a demat account to be able to transact in ETFs; NR: not rated, since the fund is less than 3 years old
Among the various schemes, we have chosen 50 schemes across equity- and
debt-oriented categories that we feel you should choose from. However, you must
not invest in all of them. Pick and choose around seven to 12 schemes fromMint50
to build a portfolio that suits your goals. Dont worry if schemes, you are already
invested in, are not a part of Mint50. Not all schemes that are outside Mint50 are
bad. Just because your existing scheme is not a part of Mint50 does not mean you
must sell it. While poorly managed schemes are aplenty in the market, there are
many that are decent, but not a part of Mint50 because we think these are better
alternatives. Mint50 is not a guide to existing investments. Refer to it if you
choose to invest afresh. After ascertaining howmuch you want to put in equity
and howmuch in debt funds, take a core and satellite approach. The core
schemes are the rock solid, long-termperformers that come with a good track
record. You can consider staying invested in themfor a long time. Depending on
your risk profile, this should forma significant chunk of your portfolio. The
satellite portion can be used to add the returns kicker or a flavour to your
portfolio, such as thematic, infrastructure funds or those that have a promising
track record but are relatively new. If you are planning to invest afresh, start by
putting money in large-cap funds and later diversify into mid-cap funds. One last
thing: Value Research pitches active and passive funds in the same category. So, it
is possible that passive funds, such as Benchmark Nifty BeES and Franklin India
Index Fund, have a lower Value Research rating. In rising markets, exchange-traded
funds and index funds typically underperformactively managed funds and, hence,
a lower star rating. But since a passive funds mandate is never to outperformthe
index, but to mimic it, a lower rating doesnt matter.
Source:
How to use Mint50
There are over a thousand mutual fund schemes in the market. Picking and choosing the right one can be tough.
Here's where Mint50 comes in. We have run quantitative and qualitative filters on all schemes to come up with a
chosen set of 50 schemes across categories for you to pick and choose from.
Mutual fund schemes to invest in
Rates for deposits up to R15 lakh as on 06 January Interest rates in % per annum