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SINGHLAND INVETMENTS LIMITED RBI License No: A.06.00227(NBFC)
H.O. : 208, 2nd Floor, Syall Complex, Above HDFC Bank, Gill Road, Ludhiana - 141 003
SINGHLAND
w w w. s i n g h l a n d . i n
H . O. : 2 0 8 , 2 n d F l o o r, S y a l l C o m p l e x , A b o v e H D F C B a n k , G i l l R o a d , L u d h i a n a - 1 4 1 0 0 3
SINGHLANDGroup of Companies
1 . S I N G H L A N D I n v e s t m e n t s L i m i t e d
2 . S I N G H L A N D R e a l E s t a t e & I n f r a t e k L i m i t e d
3 . S L I M f g . & S a l e s C o r p .
4 . S L I F I N M A RT
5 . S I N G H L A N D D a i r y Fa r m s
V I S I O NChairman Message : The pace of transformations in the global economy and unprecedented economic and technological challenges encountered by the business world has given rise to great opportunities for evolving of newer methodologies and innovative goals of knowledge-sharing in the field of management. With companies’ growing awareness of emerging opportunities as well as a potential competitive threat, they are increasingly looking for management experts, who with their foresighted fresh insights and innovative ideas can develop strategies for sustainable growth.
We are keen to attract and retain the best people/ caliber, build brand value and deepen relationships with partners, customers and shareholders. Our mission is to deliver high-quality, cost-effective projects on schedule by employing and supporting motivated, flexible, and focused teams. We value the importance of our relationships and will continue to remain fair and true in our dealings with all employees, customers, vendors, and partners. We are very proud of our achievements and accomplishment till date and we are planning for ambitious targets to achieve in the near future.
M i s s i o nOur Mission is set for Bank license in the coming Years. We have set Plan to expand our Branch Strength pan India. Value our Customer and Employees are our prime Target.
SINGHLAND Investments Limited is registered under MCA since 1974
SINGHLAND Investments Limited is Licensed from RBI to accept Public Deposits
SINGHLAND Investments Limited – RBI License No: A.06.00227
SINGHLAND Investments Limited overtake BABA FINANCE ( NBFC) in 2005
Prior company deals in finance
The company is 42 years old
Banking Business ( NBFC ) has successfully completed 11 years
SINGHLAND Investments Limited has its reach in Punjab, Himachal, Haryana, MP, UP
SINGHLAND Investments Limited deals in Banking Business ( NBFC ), Term Deposit, Auto
Finance , Personal Loan
C o m p a n y S t a n d i n g s
SINGHLAND Legal Docs
What i s NBFC ?
Class ifi cat ion of NBFCs
Asset Finance Company• E q u i p m e n t Le a s i n g
• H i re Pu rc h a s e Fi n a n c e
Investments Company
Loan Company
Core Investments Companies
Infrastructure Finance Companies
Factor
Micro Finance Institutions
Infrastructure Debt Funds
Mainly there are following types of NBFCs
Ministry of Finance NBFIs
Regulated by RBI
1. AFC
s2.
LCs3. Ics4. IFCs5.
CICs6.
IDF-NBF
C7.
NBFC-
MFIs8.
Factorin
g9.
MGCs10. RNBCs
Regulated by
NHB
Housing Finance Companies
Regulated by
SEBI
1. Merchant
Banking
Companies2.
Venture Capital Fund
Companies3.
Stock Broking4.
Collective Investments Schemes
Regulated by
MCA
1. Nidhi Companies2.
Mutual Benefit Companies
Regulated by
State
Govt.Chit
Fund
Companies
Regulated by IRDA
Insurance Companies
Types of Entities other than NBFIs
Unincorporated Bodies(UIBs)
Enforced by State Government
Limited LiabilitiesPartnership Firms
(LLPs)
Regulation, Supervision &
Enforcement by MCA
Co-operative Societies
Regulation & supervision by egistrar of Co-op Soc. (RCS)
Credit Co-operativesOperation Confined to Members Only
Regulated & Supervised by RCS
Primary (Urban) Co-operative BanksRegulated & Supervision of banking related activities by RBIGovernance, management, audit, staff matters, registration,
liquidation etc. With RCS
State & District Co-op. BanksRegulated & of banking related activities by RBI
Supervision by NABARDGovernance, management, audit, staff matters, registration, liquidation
etc. With RCS
Multi State Co-operative Societies
Regulation & supervision by Central Registrar of Co-op Soc. (CRCS)
Credit Co-operativesOperation Confined to Members Only
Regulated & Supervised by CRCSGovernance, management, audit, staff matters,
registration, liquidation etc. With CRCS
Primary (Urban) Co-operative BanksRegulated & Supervision of banking related activities by RBIGovernance, management, audit, staff matters, registration,
liquidation etc. With RCS
R B I G u i d e l i n e s f o r N B F C 1. In terms of Section 45-IA of the RBI Act, 1934, no Non-banking Financial company can commence or carry on
business of a non-banking financial institution without a) obtaining a certificate of registration .2. All NBFCs are not entitled to accept public deposits. Only those NBFCs to which the Bank had given a specific
authorization are allowed to accept/hold public deposits.3. NBFC maintaining required minimum NOF,/Capital to Risk Assets Ratio (CRAR)4. The NBFCs are allowed to accept/renew public deposits for a minimum period of 12 months and maximum period
of 60 months. They cannot accept deposits repayable on demand.5. NBFCs cannot offer interest rates higher than the ceiling rate prescribed by RBI from time to time. The present
ceiling is 12.5 % / P.A.
“ AFC* maintaining CRAR of 15% without credit rating ”
Name of Rating Agencies Nomenclature of minimum investment grade credit rating
CRISIL FA- (FA MINUS)
ICRA MA- (MA MINUS)
CARE CARE BBB (FD)
FITCH Ratings India Pvt. Ltd. tA-(ind)(FD)
Brickwork Ratings India Pvt. Ltd. BWR FA (FD)
“ Both are Financial Intermediaries ”
Banks Can
Maintain Demand Deposits (savings/current Accounts)
Form a Part of Payment and Settlement Mechanism
NBFCs Can
Accept only term Deposits
Does not form Part of Payment and Settlement Mechanism
58 42 Chandigarh Nawanshahr Finance Ltd. Chowk Shastri Market, Jalandhar City, , , 144001
59 43 Chandigarh Novelty Finance Ltd Near Bhagat Singh Chowk, Patiala Road, Patran, Distt.-Patiala, 147105
60 44 Chandigarh P. H. F. Finance Ltd 923, G.T. Road, Urban Estate, Jalandhar , 144001
61 45 Chandigarh P. H. F. Leasing Ltd 923 G T Road, , , Jalandhar, 144001
62 46 Chandigarh P. K. F. Finance Ltd. Balbir Tower, G.T. Road, PKF Namdev Chowk, Jalandhar, 144001
63 47 Chandigarh P.H.F Hire Purchase Ltd 923, G.T. Road, Jalandhar City, -, Jalandhar,
64 48 Chandigarh P.H.F. Investments Ltd 923, G T Road, Jalandhar, Jalandhar, 144001
65 49 Chandigarh Paramvir Leasing & Finance Ltd. 36-Gobind Niwas, G. T. Road,, Jalandhar, -, -, 144001
66 50 Chandigarh Punjab Kashmir Finance Ltd Balbir Tower, G.T. Road, PKF Namdev Chowk, Jalandhar, 144001
67 51 Chandigarh Ramir Finance & Leasing Co. Ltd. 11-Guru Nanak Market, ?Opposite Lic Offi ce, Shashtri Nagar, Batala, Distt. Gurdaspur, 143505
68 52 Chandigarh S. C. F. Finance Ltd 228, 1St Floor, Janakpuri Chowk, Link Road, Industrial Area-A, Ludhiana, 141003
69 53 Chandigarh Sagar Deposits And Advances Ltd Scf 272, 2Nd Floor, Motor Mrket, Manimajra Chandigarh, 160101
70 54 Chandigarh Sagar Motor Finance Ltd Plot No 1 New Gopal Nagar , Near H M V Chowk , -, Jalandhar, 144008
71 55 Chandigarh Samra Finance & Properties Ltd Gobind Niwas, 36- G. T. Road, Jalandhar City, Jalandhar, 144 001
72 56 Chandigarh Samra Leasing Ltd. Gobind Niwas, 36, G.T. Road, -, Jalandhar, 144001
73 57 Chandigarh Sea Lord Hire Purchase Ltd Near Radha Soami Satsang Ghar, Roshan Road, , Model Town, Roshan Road, Hoshiarpur, 146001
74 58 Chandigarh Sheikh Farid Finvest Ltd B-X/1283. Faridkot Road, Kotkapura, Dist--Faridkot, Faridkot, 151204
75 59 Chandigarh Shine Blue Hire Purchase Ltd 22-B , Guru Nagar, Model Town, Jalandhar, 144001
76 60 Chandigarh Singhland Investment Ltd.Formerly Known As Baba Finance Ltd 208, Syal Complex, Gill Road, Millerganj, Ludhiana, 141001
77 61 Chandigarh Skylark Deposits & Advances Ltd. 33 Near Improvement Trust offi ce, Lal Bahadur Shastri Complex, Ferozepur Road, Moga, 142001
78 62 Chandigarh Skylark Motor & General Finance Ltd Near S D M Court, G T Road, -, Moga, 142001
79 63 Chandigarh Sukh Chain Finance Co. Ltd Building 284, First Floor, Hospital Road, , Lashkar, Gwalior, 474001
80 64 Chandigarh Sukh-Bans Finance Co Ltd 9-B S D College Road , Bhai Sohan Singh Market, -, Jalandhar, 144001
81 65 Chandigarh DPGC Finance Ltd. (Formerly known as Swami Hire Purchase Ltd.) NN 4, , Patel Chowk, -, Jalandhar, 144008
82 66 Chandigarh Swarn Finance Ltd. 324, Iind Floor, Sangam Complex, Milap Chowk, Jalandhar,
83 67 Chandigarh Thakar Investments Ltd Opp Mini Secretariat, Hamirpur, H.P., Hamirpur, 177001
84 68 Chandigarh The Jullundhar Hire Purchase Ltd. # 769 , Mota Singh Nagar Market, -, Jalandhar, 144001
85 69 Chandigarh Virk Hire Purchase Ltd 88 Kapurthala Road , -, -, Jalandhar, 144001
WWW. RB I . O RG . I N → S I T EMAP → N B F C L I S T → L I S T O F N B F C S AC C E P T I NG P U B L I C D E PO S I T S
RBI NBFC L IST
Paper News
Product
s
Deposit Amount
M A T U R I T Y 1 Year 2 Year
3 Year & 6 Months
5 Year
₹ 5,000 ₹ 5,600 ₹ 6,285 ₹ 7,500 ₹ 9,050
₹ 10,000 ₹ 11,200 ₹ 12,570 ₹ 15,000 ₹ 18,100
₹ 50,000 ₹ 56,000 ₹ 62,850 ₹ 75,000 ₹ 90,500
₹ 100,000 ₹ 112,000 ₹ 125,700 ₹ 150,000 ₹ 181,000
₹ 500,000 ₹ 560,000 ₹ 628,500 ₹ 750,000 ₹ 905,000
₹ 1,000,000 ₹ 1,120,000 ₹ 1,257,000 ₹ 1,500,000 ₹ 1,810,000
₹ 2,500,000 ₹ 2,800,000 ₹ 3,142,499 ₹ 3,750,000 ₹ 4,525,000
₹ 5,000,000 ₹ 5,600,000 ₹ 6,284,998 ₹ 7,500,000 ₹ 9,050,000
₹ 10,000,000 ₹ 11,200,000 ₹ 12,569,995 ₹ 15,000,000 ₹ 18,100,000
Fi xe d D e p o s i t
Deposit Amount
For 3 Years For 5 Years Monthly Income Maturity Amount Monthly Income Maturity Amount
₹ 50,000 ₹ 450 ₹ 50,000 ₹ 500 ₹ 50,000
₹ 100,000 ₹ 900 ₹ 100,000 ₹ 1,000 ₹ 100,000
₹ 500,000 ₹ 4,500 ₹ 500,000 ₹ 5,000 ₹ 500,000
₹ 1,000,000 ₹ 9,000 ₹ 1,000,000 ₹ 10,000 ₹ 1,000,000
₹ 5,000,000 ₹ 45,000 ₹ 5,000,000 ₹ 50,000 ₹ 5,000,000
₹ 10,000,000 ₹ 90,000 ₹ 10,000,000 ₹ 100,000 ₹
10,000,000
Monthly Investments Scheme
Smart Plans Pa y f o r 3 Ye a r s M a t u r i t y a f t e r 5
Ye a r s
YEARLY INSTALLMENT TOTAL Investments MATURITY AFTER 5 YEARS
₹ 10,000 ₹ 30,000 ₹ 46,500
₹ 20,000 ₹ 60,000 ₹ 93,000
₹ 30,000 ₹ 90,000 ₹ 1,39,500
₹ 40,000 ₹ 1,20,000 ₹ 1,86,000
₹ 50,000 ₹ 1,50,000 ₹ 2,32,500
₹ 1,00,000 ₹ 3,00,000 ₹ 4,65,000
R D P l a n s ( 5Years ) Deposit Amount
I N S TA L L M E N T S M AT U R I T Y
Yearly 5
Half- Y 10
Quarterly 20
Monthly 60 Monthly Quarterly Half-Y Yearly
₹ 12,000 ₹ 2,400 ₹ 1,200 ₹ 600 ₹ 200 ₹ 16,200 ₹ 16,443 ₹ 16,605 ₹ 17,010
₹ 18,000 ₹ 3,600 ₹ 1,800 ₹ 900 ₹ 300 ₹ 24,300 ₹ 24,664 ₹ 24,907 ₹ 25,515
₹ 24,000 ₹ 4,800 ₹ 2,400 ₹ 1,200 ₹ 400 ₹ 32,400 ₹ 32,886 ₹ 33,210 ₹ 34,020
₹ 30,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 40,500 ₹ 41,107 ₹ 41,512 ₹ 42,525
₹ 60,000 ₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 81,000 ₹ 82,215 ₹ 83,025 ₹ 85,050
₹ 120,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 162,000 ₹164,430 ₹ 166,050 ₹ 170,100
₹ 180,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 243,000 ₹ 246,645 ₹ 249,075 ₹ 255,150
₹ 240,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹ 324,000 ₹ 328,860 ₹ 332,100 ₹ 340,200
₹ 300,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000 ₹ 405,000 ₹ 411,075 ₹ 415,125 ₹ 425,250
Deposit Amount
I N S TA L L M E N T S M AT U R I T Y
Yearly 5 Half-Yearly 10
Quarterly
20
Monthly 60
Monthly Quarterly Half-Yearly Yearly
₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 13,000 ₹13,195 ₹ 13,325 ₹ 13,650
₹ 24,000 ₹12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 26,000 ₹ 26,390 ₹ 26,650 ₹ 27,300
₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 52,000 ₹ 52,780 ₹ 53,300 ₹ 54,600
₹ 72,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 78,000 ₹ 79,170 ₹ 79,949 ₹ 81,900
₹ 96,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹104,000
₹ 105,560 ₹106,599 ₹ 109,200
₹ 120,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000
₹130,000 ₹ 131,950 ₹133,250 ₹ 136,500
R D P l a n s ( 2 Years )
Deposit Per Month Invested Amount Maturity Amount
₹ 500 ₹ 6,000 ₹ 6,300
₹ 1000 ₹ 12,000 ₹ 12,600
₹ 2,000 ₹ 24,000 ₹ 25,200
₹ 3,000 ₹ 36,000 ₹ 37,800
₹ 4,000 ₹ 48,000 ₹ 50,400
₹ 5,000 ₹ 60,000 ₹ 63,000
₹ 10,000 ₹ 1,20,000 ₹ 1,26,000
R D P l a n s ( 1 Year )
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 51 52 53 54 55 56 57 58 59 60
Monthly Maturity
Monthly Add
Interest
Interest Rate
Monthly
Monthly
RD
1 2 3 4 5
12
00
0
12
00
0
12
00
0
12
00
0
12
00
0
12
%
12
%
12
%
12
%
12
%
14
24
30
17
47
98
67
91
90
21
12
00
0 25
42
4
40
44
0
57
23
9
76
03
0
13
42
4 28
44
0
45
23
9
64
03
0
85
05
1
Yearly RD
Comparison with other
Financial Tools
I n t e r e s tSimple C o m p o u n d Interest Annual Half-Yearly Quarterly Monthly
100000 100000 100000 100000 100000
12 % 12 % 12 % 12 % 12 %
= 12 % * 5 Yr=12%
( Yr %+term Annual)
=12% ( Yr %+term
H-Yearly)
=12% ( Yr %+term quarterly)
=12% ( Yr %+term
Monthly)
5 Years %1+2+3+4+5
Year %1+2+3+4+5
H-Yearly %1+2+3+4+5
Quarter %1+2+3+4+5 Monthly %
160000 176234 179085 180611 181000
I n te res t Compar i sonInstitution FD MIS RD Compound
Interest
Bank 8.25% 8.25% 8.25% Annual
Post Office 8.50% 8.50% 8.50% Annual
SINGHLAND
12 %
12 %
12 %
Monthly
Bank / Post
Office
SINGHLAND
FD
MIS
RD
7.20%
7.40%
7.60%
7.80%
8.00%
8.20%
8.40%
8.60%
FDMIS
RD
0.00%
2.00%
4.00%
6.00%
8.00%
10.00%
12.00%
Matur i ty and In terest Compar ison
Institution FDMIS /
MonthRD 5 Years Compound
Interest
Bank 1,00,000 10,00,000 2,000 Annual
Maturity 1,07,500 6250 143000 8 %
Post Office 1,00,000 10,00,000 2,000 Annual
Maturity 1,08,500 7080 146000 8.25 %
SINGHLAND
1,00,000
1,00,000 2,000
Maturity 1,12,000 10,000 1,70,10
0
Monthly
12 %
Maturity ComparisonFD RD MIS
137500 143130
75000
142500 146230
80000
181000 170100
100000
Bank
Post Office
SINGHLAND
FD : 1,00,000 for 5 years
RD : 2000 for 60 Months
MIS : 1,00,00,000 for 60
Months
Guarante
e of C
api tal a
nd
Return
s
I n v e s t m e n t O p t i o n sProperty
Capital Risk Returns Time
Gaurantee
Gold
Capital Risk Returns Time
Gaurantee
Open Market
Capital Risk Returns Time
Gaurantee
C a p i t a l i s a l w a y s a t R i s k a n d N o G u a r a n t e e o f R e t u r n s i n P r o p e r t y, G o l d , O p e n M a r k e t
Share Market , Mutual Funds
0
20
40
60
80
100
120
140
Amount
Open
High
Low
Close
0
20
40
60
80
100
120
140
Amount
Open
High
Low
Close
Capi ta l is a lways at Risk and No Guarantee of Returns in Share Market and Mutual Funds
How to Invest ?M y
S a v i n g s
G u a r a n t e
e
SafeR i s k
Guarantee : Banks , Pos t Offi ce ,
NBFC Sa fe : PPF, EPF, I nsurance , Bonds ,
Debentures
R i sk : Share Market , Commodi t ies , Rea l Es ta te , Go ld , Open lend ing
A g e B e t w e e n
G u a r a n t e e S a f e R i s k
2 0 - 3 5 4 0 % 3 0 % 3 0 %
3 5 - 4 5 5 0 % 3 0 % 2 0 %
4 5 - 5 5 7 0 % 2 0 % 1 0 %
5 5 - 9 0 % 1 0 % 0 %
Saving Divers ifi cat ion as per Age
Special Maturity BenefitsThere is special Maturity Benefits for Senior Citizen, Army Persons and Girl Child below age 18
Army Persons
Girl Child Below Age 18
Senior Citizen0.70 % Extra Maturity
Benefit
0.60 % Extra Maturity Benefit
0.50 % Extra Maturity Benefit
Pre- Maturity
Pre- Maturity is only possible after half of th
e term passed of Term
Deposit
In Pre- Maturity Rate of Interest w
ill be given 5% Flat on Invested
Amount
Sale : SINGHLAND Representative define the Product
Specification.
Maturity : SINGHLAND deliver maturity as per Term Deposit Bond.
Bond : SINGHLAND issued Bond on the same day as per Payment
mode.
M a t u r i t y f r o m a n y S INGHL AND B r a n c h
Services
Mode of Payment
Cash Bond i ssued on the same day
Cheque / DD Bond issued on rea l izat ion
SINGHLANDBOND ISSUED COPY
Work
CultureW e a r e F a m i l y E m p l o y e e n o t W o r k E m p l o y e e
W e a r e f o c u s e d o n P e r s o n a l i t y Ta r g e t , M o n e t a r y Ta r g e t a n d Va l u e Ta r g e t
W e a r e H o m e L o c a t i o n n o t W o r k L o c a t i o n
W e a r e H i r e d a n d R e t i r e d P o l i c y
W e a r e Te a m B u i l d e r n o t Te a m B r e a k e r
W e a r e o ffi c e T i m i n g n o t S a l e T i m i n g
W e a r e Tr a n s p a r e n t G r o w t h P l a n n o t A r t i fi c i a l G r o w t h H i k e
Wishing You Better Career
contactsinghland@gmail .com