FUNDS INSURANCE DEPOSITS - Cafemutual · 2011-02-15 · Premiums in rupees for the lowest term...

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Axis BankBank of BarodaBank of IndiaBank of Maharashtra Canara BankCentral Bank of IndiaCorporation BankDena BankDevelopment Credit BankDhanlaxmi BankHDFC BankICICI BankIDBI BankIndian Overseas BankING Vysya Kotak Mahindra BankOriental Bank of Commerce State Bank of India Syndicate BankThe Federal BankUnion Bank of IndiaVijaya Bank

7.00-8.006.25-7.507.25-7.506.50-7.25

7.758.509.157.506.508.00

6.00-7.755.75-7.007.75-8.007.25-8.257.00-8.006.25-8.007.25-7.506.00-7.758.00-8.507.50-8.50

7.507.50

8.50-9.008.75-9.108.75-9.25

8.558.75-9.109.00-9.15

9.158.25-8.507.50-9.008.00-9.008.00-8.258.00-9.008.75-9.008.25-9.008.50-9.258.75-9.258.50-9.258.25-9.00

9.009.25

8.00-8.609.25-9.35

8.258.758.258.55

8.75-9.108.759.25

8.50-9.007.75-8.50

8.758.25-9.008.25-9.00

9.008.25-8.75

8.759.00

8.50-8.758.75-9.00

9.008.758.759.25

7.008.50

7.75-8.258.30-8.608.50-9.25

8.809.258.257.758.758.258.50

9.00-9.258.758.759.008.508.259.00

8.75-9.258.75-9.15

8.50

7.008.507.00

8.00-8.30 8.75-9.50

8.809.00

7.75-8.757.508.258.25

8.50-8.758.75-9.00

7.758.759.008.50

8.50-8.758.608.75

8.50-9.008.25

Fixed deposit rates

Rates for deposits up to R15 lakh as on 11 Feb Interest rates in % per annum 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, R3 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

12.48

12.14

11.67

12.03

10.63

12.36

Net asset value R (as on 11 Feb)

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

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

NAV and returns are as on 11/2/2011; Value Research rating is as on 31/1/2011; Fund size as on 31/12/2010; * 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

Royal Sundaram 1,151

Royal Sundaram 1,850

Bharati AXA 3,436

Apollo Munich 1,208

Bharti AXA 1,955

Bharati AXA 3,436

Apollo Munich 1,208

Bharti AXA 1,955

Bharati AXA 3,436

Star Health 1,489

Apollo Munich 2,647

Future Generali 5,672

Star Health 1,489

Apollo Munich2,647

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 Generali9,060

Star Health 3,309

National Insurance5,655

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 premium is 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

InsuranceLife 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)

Age30 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

ICICI iProtect10,633

Kotak e-Term 4,423

Kotak e-Term 6,700

Kotak e-Term11,168

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

ICICI iProtect6,783

Kotak e-Term 10,561

Kotak e-Term17,896

ICICI iProtect9,348

ICICI iProtect14,725

Kotak e-Term26,306

ICICI iProtect12,023

ICICI iProtect18,861

Kotak e-Term34,716

ICICI iProtect15,029

ICICI iProtect23,577

Kotak e-Term43,127

ICICI iProtect18,034

ICICI iProtect28,292

Kotak e-Term51,537

ICICI iProtect22,281

ICICI iProtect35,296

ICICI iProtect67,945

Cheapest home loansHome loans

Allahabad BankAxis BankBank of BarodaBank of MaharashtraCanara BankCentral Bank of IndiaCorporation BankHDFC LimitedICICI BankIDBI BankIndian BankLIC Housing Finance*Oriental Bank of Commerce Punjab National BankSBI Easy Home Loan

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 from bank 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 from bank to bank; DP: does not provide; EMI: equated monthly instalment; DNA: data not available

2,1492,1002,1252,1252,1252,1252,0952,1122,1002,1122,1372,1222,1252,1252,052

2,2122,327

DP2,137

DPDNA

2,2322,1992,4322,2122,174

DPDNA

2,149DP

5 yearsFixed Floating

1,3781,2941,3351,3351,3351,3491,3161,3081,2941,3081,3491,3191,3351,3351,240

1,4491,553

DP1,363

DPDP

1,4431,4061,6751,4201,392

DPDNA

1,363DP

10 yearsFixed Floating

1,1521,0441,0901,1051,1051,1051,0841,0591,0441,0591,1211,0721,1051,090

985

1,2331,332

DPDPDPDP

1,2101,1681,4691,1841,168

DPDNA

1,121DP

15 yearsFixed Floating

1,066932998998998998975949932949

1,032962998998868

1,1191,244

DPDPDPDP

1,1121,0661,3911,0841,084

DPDNA

1,032DP

20 yearsFixed Floating

Home loan EMI per R1 lakh for a loan amount of R30 lakh as on 11 Feb

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 from Mint50 to build a portfolio that suits your goals. Don’t 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 how much you want to put in equity and how much in debt funds, take a core and satellite approach. The “core” schemes are the rock solid, long-term performers that come with a

good track record. You can consider staying invested in them for a long time. Depending on your risk profile, this should form a 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 underperform actively managed funds and, hence, a lower star rating. But since a passive fund’s mandate is never to outperform the index, but to mimic it, a lower rating doesn’t matter.

Canara Robeco Short Term RetDWS Short Maturity RegReliance Short-termTempleton India Short-term Income RetUTI Short-term Income RegularCategory averageNSE Treasury Bill IndexNSE G-Sec Composite Index

Short TermCore

NAV (daily)

3-yr return

5-yr return

10-yr return

Expense ratio

Fund size (R cr)

Value Research rating (3-year)

NAV (daily)

3-month return

6-month return

2-year return

Expense ratio

Fund size (R cr)

Value Research rating (3-year)

DSPBR Top 100 Equity RegFranklin India BluechipKotak Sensex ETF****Nifty Benchmark ETS****

Large-Cap core

Category average

95.01

202.97

180.25

536.53

9.21

9.16

***

3.40

17.46

15.28

**

12.59

*

23.54

*

*

1.86

1.85

0.50

0.50

2,871.65

3,398.26

32.01

510.88

2.81 11.77 17.15

Birla Sun Life Frontline Equity Plan ACanara Robeco Equity DiversifiedFidelity EquityFranklin India Prima PlusHDFC Top 200UTI Opportunities

Large & Mid Cap core

Category average

HDFC EquityICICI Prudential DynamicNifty Junior BeES****Quantum Long Term EquityTempleton India Growth

Multi CapCore

DSPBR EquityReliance Regular Savings EquityTata Equity PEUTI Dividend YieldCategory average

Satellite

DSPBR Small and Mid Cap RegHDFC Mid-Cap OpportunitiesIDFC Premier Equity Plan A

Mid & Small CapCore

Satellite

Fidelity Tax AdvantageHDFC TaxsaverReligare Tax Plan

Tax PlanningCore

Sundaram TaxsaverCategory averageBSE SensexS&P CNX Nifty

Satellite

Birla Sun Life 95DSPBR BalancedHDFC PrudenceTata Balanced

Equity-orientedCore

FT India BalancedCategory average

Satellite

Birla Sun Life Monthly IncomeCanara Robeco MIPHDFC MIP Long-termHDFC MIP Short-termReliance MIP

Debt-oriented ConservativeCore

Birla Sun Life MIP II Savings 5UTI Monthly Income SchemeCategory average

Satellite

DSPBR T.I.G.E.R. RegICICI Prudential InfrastructureReliance Diversified Power Sector RetailTata Infrastructure

Thematic/Sectoral

82.67

51.36

33.26

205.38

197.75

25.29

8.66

9.66

8.74

5.79

12.27

10.25

17.69

14.11

16.2

14.99

18.25

12.32

*

*

*

24.25

27.8

*

1.88

2.32

1.85

1.93

1.79

1.95

2,719.84

390.79

3,269.37

1,871.51

9,489.24

1,587.402.54 11.27 19.34

261.10

102.30

104.02

21.12

112.31

13.8

10.79

3.61

13.83

9.31

17.99

17.26

11.16

**

16.60

29.06

*

*

*

23.48

1.79

1.85

1.00

1.50

2.10

8,353.26

2,785.39

187.12

61.78

840.88

45.12

28.77

44.88

30.39

9.93

6.14

8.26

14.04

4.19

17.97

22.74

16.6

17.31

12.49

24.06

*

*

*

22.62

1.89

1.85

2.5

1.88

2,326.2

3,391.56

733.2

2,994.59

15.90

14.13

29.22

99.11

13.96

3.97

2.18

0.09

14.26

**

8.37

*

*

21.38

1.91

2.29

8.27

9.54

9.41

**

**

21.58

*

*

*

2.03

1.99

1.93

1,179.14

1,195.10

1,896.66

2,022.28

454.90

20.57

219.36

16.24

9.61

10.66

6.96

**

13.36

**

*

27.52

*

1.99

1.86

2.49

1,282.87

2,937.39

109.28

41.50 4.39

2.56

2.15

3.02

12.40

9.34

11.89

11.89

23.61

19.51

14.96

14.21

1.96 1,632.64

296.28

62.33

200.12

77.27

9.87

9.12

13.27

6.83

16.01

14.82

17.59

14.04

18.83

18.88

25.34

18.77

2.33

2.08

1.82

2.5

377.38

792.66

5,708.95

296.81

46.20 4.79

5.02

12.05

10.74

17.71

17.22

2.34 282.98

35.84

28.89

22.39

16.75

21.12

7.94

9.17

10.75

6.88

13.32

9.52

11.22

10.99

6.41

11.34

10.47

*

*

*

*

1.98

2.09

1.45

1.72

1.55

692.70

352.14

9,862.95

702.50

8,321.99

17.27

19.40

10.92

8.22

6.38

9.65

8.59

7.74

*

*

9.48

1.38

1.80

1,224.27

663.19

42.12

28.03

67.13

30.66

-2.71

0.59

-0.08

-3.26

11.59

16.48

20.99

12.46

*

*

*

*

1.85

1.84

1.81

2.50

2,821.99

3,456.58

4,606.89

1,995.97

11.09

17.27

18.11

1928.20

16.47

1.58

0.91

1.10

1.01

1.24

1.30

1.80

1.22

2.82

1.9

2.25

2.27

3.05

2.42

3.39

1.21

-

6.66

6.73

8.26

7.42

6.27

4.85

0.26

1.11

1.89

0.66

1.3

0.5

132.27

490.84

4,116.93

6,372.19

1,146.74

NR

NR

FT India Dynamic PE Ratio FoFCategory Average

Asset Allocation core39.01 8.65

3.41

14.47

7.70

* 0.75 1,308.3

MF updateCash holding of equity funds

Sahara Growth

HDFC Index Sensex Plus

Sundaram Select Focus Reg

AIG India Equity Reg

Sahara Super 20

Canara Robeco Multicap

Taurus Bonanza

Canara Robeco Large Cap+

SBI PSU

Canara Robeco Equity Diversified

Sundaram Growth Reg

Birla Sun Life Top 100

Reliance Equity

Birla Sun Life Frontline Equity Plan A

Tata Equity Management

Reliance Quant Plus Retail

HSBC Progressive Themes

IDFC Strategic Sector (50-50) Equity Plan A

ING Core Equity

HDFC Index Nifty

HSBC Dynamic

Franklin India Opportunities

Magnum Equity

Sundaram India Leadership Reg

BNP Paribas Sustainable Development

Kotak 50

L&T Growth

ICICI Prudential Growth

DSPBR Focus 25

DSPBR Top 100 Equity Reg

ING Nifty Plus

ICICI Prudential Target Returns Retail

LICMF Growth

LICMF Sensex Advantage

Daiwa Industry Leaders

UTI Opportunities

Kotak Select Focus

DWS Alpha Equity Regular

JP Morgan India Equity

HSBC India Opportunities

Reliance NRI Equity

Principal Growth

Magnum Index

Reliance Vision

Franklin India Prima Plus

JM Large Cap

LICMF Opportunities

Magnum MultiCap

Birla Sun Life International Equity Plan B

Baroda Pioneer Growth

18.01

17.88

16.90

16.11

14.62

13.13

13.04

13.04

11.65

11.31

9.78

9.57

9.53

9.41

8.02

7.87

7.73

7.47

7.43

7.36

7.27

7.19

7.03

6.92

6.84

6.63

6.35

6.34

6.33

6.30

6.05

5.85

5.62

5.60

5.47

5.32

5.30

5.04

4.98

4.95

4.95

4.89

4.61

4.58

4.35

4.15

4.13

4.13

4.05

3.98

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 exposure of large cap and large and mid cap funds.

Figures as on 31 Jan Source: Value Research

Source:

How to use Mint50

Birla Sun Life Mid Cap Plan ADSPBR Micro Cap RegCategory Average

NR

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