INDIA – A Land of Billion Opportunities

A Nation with Rich Heritage

Who is an Non-Resident Indian (NRI)?

NRI is a person, who is either Indian citizen staying

abroad for more than 180 days in a year

or

a foreign citizens who were holding Indian Passports

earlier or their parents/grandparents were Indian.

What is Overseas Citizen of India (OCI)?

OCI card is a unique advantage. With OCI,

I. NRIs do not need Indian visa for visiting India

II. There is no restriction on the period of stay in India.

III. Enjoy multipurpose multiple entries and lifelong permission to

enter in India.

NRIs with foreign passports can enjoy dual citizenship by obtaining OCI Card.

Funds in India

Non Resident Ordinary

(NRO)

Funds (from) OUTSIDE

India

Non Resident External

(NRE)

Categories of Funds for NRI

Guidance for Easy NRI Investment

Pre Investment process is one time process.

Then after one can invest or withdraw at any time

through Telephone, Email or any other means of

communication.

Most of the Functions can be carried online and

reports can be obtained by login.

Repatriation of Investments & Profits

Fund brought from outside India under NRE category invested in Capital Market is fullyrepatriable with profit and can be converted back to any foreign currency at prevailingexchange rates.

Remittance of Assets By NRI

NRE: Investment + benefits in Capital market fully repatriable.

NRO: Investment + benefits up to USD 1 Million is permissible.

For full information, please view link

https://www.rbi.org.in/Scripts/BS_ViewMasCirculardetails.aspx?id=9892

Indian Capital Market

Well Structured

Very well regulated

3 Steps Investment Process

Pre-Investment Process

Investment Process

Post-Investment Process

Steps before Investing

Obtain (PAN) from Income Tax

Open Bank Account (NRO|NRE-PIS) with designated Bank

Open Demat A/c with designated Depository Participant (CONCEPT)

Registry with Member Broker of Stock Exchange (CONCEPT)

Pre-Investment Process

Investment Process

• Development of Alternatives.

• Evaluation of Alternatives.

• Selection of Alternatives.

• Execution of Alternatives.

Executing Investment

Development of Alternatives

Evaluation of Alternatives

Selection of Alternatives

Execution of Alternatives.

Investment Process

Reviewing and Restructuring.

Record keeping and Accounting

Income Tax (IT) Returns

Investment Monitoring

Post Investment Process

Tax Regime In India

Low Taxation

a. Maximum Income tax @ 30%

b. Capital gain tax @ 20%

Benefits of Indexation in capital gain

Benefits of DTAA for most of countries

Taxation on Equity And Equity Mutual Fund

Long Term Capital Gain (LTCG) tax-10%

Short Term Capital Gain Tax (STCG)- 15%

Dividend Tax Free in hands of Investor.

Taxation on Debt And Debt Mutual Fund

Capital Asset held for < 3 Years – 30%

Capital asset held for > 3 Years – 20%

Benefits of indexation for the period asset was owned.

Outlook on Economy and Equity

History of Indian Stock Market

CAGR – 13.79%

Data Source: ACE Equity

History of Indian Stock Market

CAGR – 14.49%

Data Source: ACE Equity

20

Advantage @ India

Strong Demographics

Fastest Growing Economy

Growing Disposable Income

Growing Middle-class consumption

High Saving Rate

Falling Inflation

Investment Cycle Picking Up

Government Reforms

Falling Interest Rate

Increased Regulation

21

India under NAMO 1.0 (2014-2019)

India the Fastest Growing Economy- 6.6% to 7.7%

GST- one nation one tax

Demonetization

Jandhan Yojana - 31 crore bank a/c opened

Bharat Mala Project -To build 35000 km highway across 16 states

Sagar Mala project - Modernizing 12 major and 185 minor ports

Gram Jyothi Yojana - 18,452 villages Electrified

Housing for all by 2022 -1.5 crore houses built

Ayushmaan Bharat – Insurance Cover

Mudra Loan - More than 12 crore beneficiaries

Massive Infrastructure projects likes; Bullet trains, 14 lane Expressways, Freight Corridors etc.

Average Highway construction 27 Km/day - Builds 33,361 km road in 4.5 year

22

Smart City

Make In India

Digital India

Skill India

Adarsh Gram Yojana

Sukanya Samridhi Yojana

Fasal Bima Yojana - Crop insurance scheme

Yoga Day - June 21 as international Yoga day.

Ujala Yojana - Distributed over 30 crore LED bulbs

Insolvency and Bankruptcy Code 2016 passed

Swachh Bharath Mission - This made entire world to look at India !

Improved relations with World Countries and uplifted the image of India at global level.

India under NAMO 1.0 (2014-2019)

23

India under NAMO 2.0 (Again)

Re-election of NDA with clear majority

Narendra Modi – A visionary leader

Pace of reforms will be faster under the strong

government

Good diplomatic relations maintained by Mr.

Modi is boosting FDI

“Targeting $5 Tn GDP mark by 2024”

Indian Economy Prospects

Overall Demand Growth

The Economy will continue to show strong growth on account of high level of internal consumption and exports.

GDP

There were hiccups in the short run due to introduction of structural reforms but the growth rate of the Indian economy is expected to stay in 7% and thereabouts

Positive Road Ahead

Digitization, Globalization, Favorable demographics, Structural reforms and Rising income should continue to bolster growth of the Indian economy

Government Schemes & Regulatory Measures

Government schemes such as “Housing for all by 2020”, “Digital India”, “Make in India”, “Bankruptcy Code” etc. should continue to provide impetus to the growth of Indian economy

India Version 2.0 (Under NAMO Again)

Strong Government

Modi government registered a win with a clear majority which showed faith of the Indian public in the government. Also, majority government can take bold steps for long term growth.

Reforms

India saw reforms like “Goods & Services Tax” and “Demonetization” from 2014 – 19 which can be considered as major surgeries which broke the backbone of black money

Target to become a $5Tn economy by 2024

Government has targeted to become a $5 Tn economy by 2024. This looks quite achievable looking at the strong position of the economy and the leadership strength

Business made easy

According to IMF India ranks 77th in the ease of doing business index. India jumped by a massive 65 places in last 4 years

Data Source: http://pib.nic.in/newsite/PrintRelease.aspx?relid=184513

Strong Fundamentals

GDP Growth Rate

India is now growing faster than other emerging markets and this trend is expected continue going forward

Low Corporate Debt

Corporate Debt as a % of GDP now stands at 56.1% which is much lesser than other emerging economies

FOREX Reserve

As of June 14 2019, FOREX reserve of India is at $422 Bn. This is strong 38.8% growth in last 5 years

Data Source: Motilal Oswal, RBI, https://urlzs.com/voNxV

More Positives

3 consecutive rate cuts – Repo rate now stands at 5.75%

Make in India

‘Make in India’ initiative was launched on September 25, 2014 by the Government of India with the aim to promote

manufacturing in India. The program includes major new initiatives designed to facilitate investment, foster innovation, protect

intellectual property, and build best-in-class manufacturing infrastructure. Make in India aims at 25 economy driving sectors

including Biotechnology for GDP growth of the country.

E – Way Bill

Introduction of Goods and Services Tax (GST) across India with effect from 1st of July 2017 is a very significant step in the field

of indirect tax reforms in India. For quick and easy movement of goods across India without any hindrance, all the check posts

across the country are abolished. The GST system provides a provision of e-Way Bill, a document to be carried by the person in

charge of conveyance, generated electronically from the common portal. To implement the e-Way Bill system, ICT based

solution is required. Hence, as approved by the Goods and Services Tax (GST) Council, a web based solution has been

designed and developed by National Informatics Centre and it is being rolled out for the use of taxpayers and transporters

Goods and Service Tax

GST is an Indirect Tax which has replaced many Indirect Taxes in India. The Goods and Service Tax (GST) is an Indirect Tax

which has replaced many Indirect Taxes in India. The Goods and Service Tax Act was passed in the Parliament on 29th March

2017. The Act came into effect on 1st July 2017; Goods & Services Tax Law in India is a comprehensive, multi-

stage, destination-based tax that is levied on every value addition. In simple words, ) is an indirect tax levied on the supply of

goods and services. This law has replaced many indirect tax laws that previously existed in India. GST is one indirect tax for

the entire country.

NCLT – Bankruptcy Code

The Insolvency and Bankruptcy Code was passed on 11th May 2016. It was done to consolidate all the existing laws related to

insolvency in India and to simplify the process of insolvency resolution. Nearly 60,000 bankruptcy cases are pending in

India’s courts. As per the World Bank data, it takes an average 4.3 years to wind up a company in India. It is easier to start

a business than to exit it. The new Insolvency and Bankruptcy Code seeks to cut it to 1 year. Also, the recovery of the debt

under is just 25.7 cents on the dollar in India. The new code seeks to help banks and other creditors from recovering their

loans from the bankrupt companies in a timely and efficient way.

Source: http://economyria.com/insolvency-bankruptcy-code-explained/

Real Estate Regulation Act

The Real Estate (Regulation and Development) Act, 2016 is an Act of the Parliament of India which seeks to protect home-

buyers as well as help boost investments in the real estate industry. The Act establishes Real Estate Regulatory Authority

(RERA) in each state for regulation of the real estate sector and also acts as an adjudicating body for speedy dispute

redressal.

Budget Updates(2019-2020)

Budget Updates (1/4)

Government in the budget announced on 5th July 2019 came up with a number of significant plans and reforms. This should provide strong impetus to growth in areas

like

Banks &

NBFCs’

Roadways

Public Sector

Units

Automobile (E

– Vehicles)

RailwaysAffordable

Housing

Startup

Investing

Budget Updates (2/4)Highest Disinvestment Plan

• Government of India has come up with the biggest disinvestment plan ever.

• As per the budget announcement, government is planning to carry out disinvestment worth Rs.1,05,000 cr in the year

• This will open up many new opportunities to invest in some of the very good PSUs’ which were 100% under government’s control so far.

Strong Impetus to PSBs’ and Domestic Credit Growth

• Government in the budget announced that Public Sector Banks will be provided Rs.70,000 cr credit boost

• Another good news is that there are recoveries worth Rs.4 lakh cr made and also, credit growth in the country this year was 13.8%

Huge Infra Spending

• India as we all know is expected to see a huge amount of government spending going forward. Government clarified its stand further when the budget announcement included a plan to spend Rs.100 lakh cr on infrastructure in the next 5 years.

Tax Relief to 99%+ Companies

• Indian corporates generating sales up to Rs.250 cr fell under the tax regime of 25%. Under the recent budget, this threshold has been pushed higher to Rs.400 cr.

• As per the announcement, this relief will cover 99%+ corporates operating in India.

Budget Updates (3/4)

Custom & Excise duty hikes

Tobacco

Excise duty to

increase on

tobacco and

tobacco

products

Gold

Custom duty on

gold to go up to

12.5% from 10%

Fuel

Increase in

excise duty of

INR 1/liter on

Petrol & Diesel

Public Shareholding

Public Shareholding in listed companies will go up from 25% to 35% which means the Promoter holding will

have to come down to 65% from 75% previously

Budget Updates (4/4)

Updates for NRI Investors

NRIs with Indian passports will get Aadhaar cards after arrival without mandatory wait of 180 days.

Budget proposes to allow FPIs to subscribe to listed debt papers of ReITs and InvITs & also allow FPIs, FIIs to invest in debt papers of NBFCs.

To merge NRI portfolio route with FPI route to increase more NRI portfolio flows into India.

FPI – Streamline KYC to make it more investor friendly

Proposition to raise FPI limits in companies

Why Should NRI Invest in India?

Good Returns

Excellent Prospects

Rupee Appreciation

Low Tax

Financial Market

Equity

Mutual Fund

Structured Products*

Debt

Non Financial Market

Real Estate

Precious Metal

Art

Other

Options of Investment in India

*Other options include

Alternative Investment Fund (AIF)

REIT

Private Equity

Startup Funding, etc.

NRI Deposits In India

Any interest earned on the deposit in

an NRE account is exempt under section 10(4)(ii)

for an individual who is a 'person resident outside

India' as per the Foreign Exchange Management

Act,1999, (Fema) or who is a person permitted by

the Reserve Bank of India to maintain the

aforesaid account.

Source: Axis Bank

Source: Axis Bank

Mutual Fund Investment and NRI

NRI can also invest in Equity and

Debt Mutual Fund using their NRE

or NRO account.

Different categories of Mutual

Fund to cater your different

Investment needs.

What is Portfolio Management Service

Portfolio Management Service (PMS) is a sophisticated

investment vehicle that offers customized investment

strategies to capitalize on opportunities in the market.

WHY PMS?

PMS is a customized wealth management service that suits with

the specific objective of High Net Worth Investor (HNI). All the

aspects of making and monitoring investment right from evaluation

of options, stock picking, order execution, settlement and

performance monitoring & reporting are taken care of.

Investment is done as per the objective of the plan under overall

guidance of the investment committee. Fund Manager has the

ultimate control over all the investment decisions

• It should be huge.External Opportunity

• Moat/Competitive advantage

• Growth & Scalability

• Robust Financial track record

Business

• Integrity & competence

• Passion

• Young/First generation entrepreneurs

Management

• Growth at reasonable priceValuation

General Stock Selection Approach

How Managers Allocate Funds

Portfolio of

around 25 Scrips

Maximum

Weightage of 35%

in single sector

and 10% in individual scrips

Diversify across 8-10 sectors

Average holding

of a scrip is 4-5 years.

Large-Cap Portfolio

STRATEGY

Large-cap oriented Fund

Minimum 60% goes towards top 100 companies as per market cap

Leaders or captains of their industry

Benchmark- BSE200

This fund typically is less volatile and suited more for first time investors. Size of opportunity, Efficient Business Model,

Ethical and Competent Managers running it and available at reasonable valuations.

Mid-Cap Portfolio

STRATEGY

Mid-cap oriented Fund

Minimum 60% goes towards next 250 companies as per market cap.

Leaders or captains of their industry

Benchmark- BSE200

These constitute of stocks from sunrise industry or can come up from our bottom-up approach of stock selection. They

may be small in size but are good at market share, profit share, return ratios having dynamic managers running them at

reasonable valuations. We follow complete bottom up approach while selecting midcaps.

Special Portfolio (Jain)

STRATEGY

Multicap Fund

Invest in Large-Cap, Mid-Cap and Small-Cap.

Avoiding liquor, Tobacco, Agro-Chemical and Pharma Sectors

Benchmark- BSE200

Alternate Investment Fund (AIF) and NRI

Alternative Investment Fund or AIF means any fund established or incorporated in India

which is,

a privately pooled investment vehicle which collects funds from sophisticated

investors, whether Indian or foreign, and

for investing it in accordance with a defined investment theme for the benefit of its

investors.

NRIs are permitted to invest in AIF.

INVESTWELL AdvisoryA Consultative Approach

An Investment Expert who helps individuals to manage their Investment by providing advice on

What Is Investment Advisory?

Investment Planning

• Retirement Planning

• Long Term Investment Planning for Wealth Creation

• Fixed Outflow Planning

• Other Criterion Based

Asset Allocation of : Equity, Debt, Mutual Funds, etc.

Reviewing, Restructuring and Monitoring portfolio.

Your investment may not be proper.

Scattered, Unattended Investment.

Lack of Time and Attentions.

You have additional fund for investment but do not know where to invest.

Benefits of Expert Knowledge.

New Innovative / Structured products being introduced (e.gREIT, AIF)

Why Investment Advisory?

Risk ProfileCurrent Investment

PreferencesFuture needs03

02

04

Study

01

Key parameters of Investment Advisory Process

13

2 4

Preview of Current Investment

Suggestion

Analysis By Expert

Regular Advice and Monitoring

Investment Advisory Process

Our Advisory export will meet client personally, to understand client's

Step : 1 Preview of Current Investment

Current Investment

Status

Objectives/Goals

Risk Appetite Time HorizonPresent Asset

Allocation

Analysis, suitability of Current Investment

Consideration of Assets Allocation

Evaluating alternatives

Selection of suitable Products

Preparing Recommendations

Step : 2 Analyzing

This will be performed by expert team who is well-versed in Investment Planning.

Discussing Report

Making necessary Changes if Required

Suggesting course of Actions

Give Final advice

Step : 3 Advice & Recommendation

Submit Report on Recommendation

Giving Detailed Recommendations

Explaining rationale of Recommendations

Client decides whatever is suitable. Our advice is not binding.

Quarterly / Half Yearly Review.

Taking stock of macro economic changes and Geo-Political Environment

Tracking scripts/schemes of investment

Discussion with clients on changing priorities

Give Investment Ideas and Research Report from time to time

Give List of Recommendation of Mutual Fund Schemes, Stock, Bond.

Step : 4 Review, Restructuring & Monitoring:

TAILOR made INVESTMENT ADVISORY SERVICE for Ultra High Net-worth Individuals

confirming to their specific needs are also available.

Come, invest and prosper

through us

If you are bullish on India,

take a plunge