Exploring Investment Opportunities! - Integrated India
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Integrated Sep 01-15, 2020
INVESTMENT UPDATE www.integratedindia.in
Investment magazine for Retail Investors VOLUME VIII ISSUE 17
Exploring
Investment Opportunities!
Medium Term
Capital
Fixed Return
appreciation
Low Risk
Liquidity
Integrated Investment Update, September 01-15,2020 Page 01
Do you need Assistance for
filing IT Return?
Integrated does it for you*
*in select branches.
Changes in the new IT Return forms
1. Passport details to be mandatorily provided in ITR-1
(if you have one).
2. ITR-1 cannot be used for filing if the individual has
AY 2020 - 21
Ÿ joint ownership in a house property.
Income Tax Deadlines
Ÿ incurred expenses of 2 lakhs or more on foreign
travel during the year.
FY 2018-19 : ITR Filing Due date 30.09.2020
Ÿ deposited Rs.1 crore or more in one or more
FY 2019-20 : ITR Filing Due date 30.11.2020
current account.
FY 2019-20 : Sec 54 Deductions
Ÿ paid electricity bill of more than Rs.1 lakh during
investment due date 30.09.2020
the year.
Aadhar - PAN Linking due date 31.03.2021
For the above cases, the individual has to file ITR-4.
3. Details about cash and bank transactions like
opening balances, receipts, payments and closing
balances to be mandatorily provided for all cases
where 44AD, 44ADA and 44AC is applicable.
Integrated Investment Update, September 01-15,2020 Page 02
Investment magazine for Retail Investors Mutual Fund www.integratedindia.in
Banking & PSU Debt Funds -
Minimum risk & much better post tax return than FDs
Diversification Low Risk Investment horizon Stable returns Taxation
A banking and PSU debt fund is one of the most popular Low Risks : Banking and PSU Funds carry a low risk of
types of mutual funds, as it has nominal risk associated with market volatility as it invests in high credit quality funds, for
the total investment. Fund managers mainly target the short/medium term investments. It is not completely risk
Maharatna and Navratna companies to build the portfolio, free but carries a lower risk than many other debt funds like
as they have a history of yielding substantial gains. Dynamic Bond Funds or Credit Risk Funds.
The characteristics of a banking and PSU fund can be Better Return: Banking & PSU funds are a good alternative
described as follows – to Fixed Deposits, if one wants slightly higher return than
Ÿ Debt instruments such as debentures, bonds, FDs in short tenure and can take a little risk.
certificates of deposit, etc. comprise 80% of the corpus. Taxation: By opting for growth option and staying
Ÿ Companies issuing banking and PSU funds have a invested for 3 years, investor would be taxed for Long term
minimum AAA- credit rating from the best agencies. Capital Gains with indexation benefit. Impact of taxation
High Liquidity : These funds invest in top rated would be minimal when compared to Fixed Deposits. As
instruments (hold PSU bonds such as that of NABARD, you know, interest from fixed deposits are taxed as per
SIDBI, etc.) and thereby Banking and PSU Fund schemes are applicable slab rate.
highly liquid.
Select Banking and PSU Debt Fund Schemes
Lumpsum return Lumpsum return
Value Research
Value Research
Launch Date
30.08.2020
Launch Date
30.08.2020
AUM as on
AUM as on
as on 11.09.2020 as on 11.09.2020
(in crs)
Rating
(in crs)
Fund Name
Rating
Fund Name
1 Year 3 Year 5 Year 1 Year 3 Year 5 Year
ABSL Banking & PSU Debt Fund Apr-08 13,519 10.00 8.29 8.99 *** Kotak Banking & PSU Debt Fund Dec-98 9,132 10.11 8.57 8.72 ****
Axis Banking & PSU Debt Fund Jun-12 16,059 9.56 8.98 8.63 ***** L&T Banking & PSU Debt Fund Sep-07 3,544 9.90 7.95 8.22 ***
DSP Banking & PSU Debt Fund Sep-13 3,522 10.17 8.14 8.55 *** Nippon Banking & PSU Debt Fund May-15 5,410 10.37 8.50 8.77 ****
HDFC Banking & PSU Debt Fund Mar-14 8,173 10.14 8.15 8.70 ** SBI Banking & PSU Debt Fund Oct-09 8,750 9.51 8.63 8.34 **
IDFC Banking & PSU Debt Fund Mar-13 17,691 10.63 9.16 8.52 ***** Mutual fund investments are subject to market risk.
Please read the offer document carefully before investing.
Integrated Investment Update, September 01-15,2020 Page 03
Investment magazine for Retail Investors NEW FUND OFFERS www.integratedindia.in
(An open ended fund of fund scheme investing in
Schroder International Selection Fund Global Equity Alpha)
Axis Global Equity
Alpha Fund of Fund NFO: Closes on 18th Sep, 2020
Advantages of global investing How does investing in
Axis Global Equity Alpha
Exposure to growth / opportunities
Fund of Fund work?
Global markets are home to companies with the scale,
customer base, and that impact very few Indian
Indian
companies can emulate.
Investor
Reduced risk
Developed markets have lower risk, and lower
Axis Global Equity
correlations can help bring down the risk of the
Alpha Fund of Fund
portfolio.
Better risk-adjusted returns
Schroders International
Different markets perform well at different times, and
Selection Fund
diversification through global investing can help
Global Equity Alpha Fund
portfolio risk-return characteristics.
(An open ended Equity scheme predominantly investing in large cap stocks)
Sundaram Bluechip Fund NFO: Opens on 17th Sep - Closes on 30th Sep, 2020
Investing style - Diversified.
Benchmark : SEBI Category :
There is likely to be
NIFTY 100 TRI Large cap
45 - 50 stocks.
Midcap contribution Portfolio construction will be based on
bottom-up fundamental stock picking blended
will be maximum at 20%
with top-down sectoral and macro trends.
Integrated Investment Update, September 01-15,2020 Page 04
Investment magazine for Retail Investors NEW FUND OFFERS www.integratedindia.in
(An open-ended fund for investment for children having a lock-in for
at least 5 years ortill the child attains age of majority (whichever is earlier).
SBI Magnum Children's
Benefit Fund - Investment Plan NFO: Closes on 22nd Sep, 2020.
TIMES ARE CHANGING
NOW
THEN
To start new business
To become a professional
Create own identity
like Doctor , Engineer,
Expand family business
Lawyer, Architect To provide employment to others
STEPS TO SECURE YOUR CHILD’S FUTURE
Once the target amount is decided, you can You must continue investing
Set a target amount you
start saving through SIP or Lumpsum mode. and not redeem till your
wish to accumulate You can also avail SIP Top-up as your income grows goal is achieved
Top-up your SIP instalments As a parent, you should plan to invest a portion of Equity as an asset class is
as your income level increase any inflow that you get into this fund. suitable for long-term goals
(An open ended Equity scheme investing in maximum
20 stocks across market capitalization (i.e. Multi cap))
Invesco India
Focused 20 Equity Fund NFO: Closes on 23rd Sep, 2020
The fund will adopt a high conviction approach to investing combining both growth and value plays
Stock selection will be guided by our Investment
The fund will invest in upto 20 stocks. philosophy and proprietary stock categorization
framework.
It will have a Multicap portfolio with flexibility to move Our process driven approach will assist us in filtering
across market cap bands and will be blend of growth the best investment ideas and contain the
and value stocks. downside risk.
Aims to generate alpha from a concentrated portfolio, The fund will adopt a fully invested approach
albeit at a higher risk. (95% invested).
Integrated Investment Update, September 01-15,2020 Page 05Investment magazine for Retail Investors NEW FUND OFFERS www.integratedindia.in
(An open ended equity scheme investing in companies
identified based on the Environmental, Social and Governance (ESG) theme)
ICICI Prudential ESG Fund NFO: Opens on 21st Sep - Closes on 5th Oct, 2020
About ICICI Prudential ESG Fund...
INVESTMENT PHILOSOPHY SELECTION PROCESS INVESTMENT PROCESS
Ratings are based on an in-depth study & research.
Identifying companies with a Selection process will be based on
Any news or controversies will lead to revaluation.
High ESG Score which reflects the internal research and/or from the
Communication with company management
strength and stability of the Nifty 100 ESG universe
to suggest ESG Score enhancement measures.
companies.
ALLOCATION AVOID OBJECTIVE
80% to 100% in companies with Sin companies such as tobacco,
strong ESG Scores. weapons, alcohol etc. To maintain a portfolio
Can invest in foreign securities i.e. Companies with governance issues with a suitable
global companies with a leverage issues and other ESG ESG Score
high ESG Score. related issues.
(An open ended equity scheme predominantly investing in Large cap stocks)
NFO: Opens on 28th Sep - Closes on 12th Oct, 2020
Principal Large Cap Fund
Asset Allocation Upto 15% in US Large Cap Companies
Option to stagger investments Ÿ Incase if the market does not Ÿ MY GAIN Facility to book
during NFO period: SMART Facility fall, the switch takes place at profits when desired rate of
Ÿ 25% is invested in the Principal month end from Principal return achieved.
Large Cap Fund and 75% into Cash Management Fund to Ÿ You specify the target rate of
Principal Cash Management Fund. Principal Large Cap Fund. return to facilitate auto trigger
Investment is made during OCT/ Ÿ I f t h e S M A R T Fa c i l i t y Ÿ Investment appreciates to reach
NOV/ DEC/ JAN 21. deployment takes place the target rate of return
Ÿ If the market falls below 3% from during the month based on Ÿ Units redeemed from Principal
the date of allotment, the SMART market fall, the month end Large Cap Fund and amount
Facility gets activated and 25% of switch gets deactivated for switched to any Principal Fund of
the invested amount is deployed that month. your choice.
in Principal Large Cap Fund
Mutual fund investments are subject to market risk. Please read the offer document carefully before investing.
Integrated Investment Update, September 01-15,2020 Page 06Investment magazine for Retail Investors NEW FUND OFFERS www.integratedindia.in
Aditya Birla Sun Life Special Opportunities Fund
An open ended thematic equity fund following special situations theme
NFO: Opens on 5th Oct - Closes on 19th Oct, 2020
ABSL Special Opportunities Fund will have a focused approach of 35-40 stocks selected through a Bottom-up
Approach with Price-Targets. The fund will focus on Special Situations arising due to unique challenges that a
business, sector or an economy would face; which will lead to temporary price dislocation, creating wonderful
investment opportunities.
These Special Situation can arise from:
Company Specific Events: Industry Specific Changes:
Ÿ M&A, Corporate Restructuring, Management Change.
Ÿ Disruption due to New Entrant
Ÿ Unfavourable business/Macro Cycle
Ÿ Intense Competition
Ÿ Product Line Changes/ Disruption
Ÿ Domino Effect
Regulatory Changes:
Macro-Economic Changes: Global Events:
Government Reforms, Changes in
Commodity Price Fluctuation, Geo-Political Issues,
tariffs/taxes, Amendments in
Inflation, Forex Reserves. Pandemic, Terrorist Attacks.
Regulations.
Opportunities + Margin of Safety + Fund Management Capability
Potential for higher returns albeit with higher risk.
Computer Age Management Services Ltd. Chemcon Speciality Chemicals Ltd.
Issue opens on 21.09.2020 Issue opens on 21.09.2020
Issues closes on 23.09.2020 Issues closes on 23.09.2020
Public Offer : 1,80,64,100 Equity Shares Public Offer : 45,00,000 Equity Shares
Price Band : Rs.1,229 to Rs.1,230 Price Band : Rs.338 to Rs.340
Bid Lot : 12 equity shares & multiple of Bid Lot : 44 equity shares & multiple of
12 equity shares thereafter. 44 equity shares thereafter.
Integrated Investment Update, September 01-15,2020 Page 07Investment magazine for Retail Investors INFORMATION www.integratedindia.in
Top Down Approach
ŸTop-down investing is an Ÿ Top down approach works when the basic
approach that first looks at approach of investing is focused on large cap.
macroeconomic factors In any market, the large cap stocks tend to be
when choosing investments, more vulnerable to macro factors than the
then identifies areas of the market smaller companies.
expected to perform well, and finally selects
Ÿ Thus, a top down approach is also known as an
investments within those areas. This approach
EIC (Economy, Industry, and Company)
first considers global markets, then sectors
approach.
and industries, and finally individual
companies.
Bajaj Finance offers a Systematic Deposit Plan
Flexibility to the depositor to invest monthly with the best interest rate over the complete tenure
Salient features of the product
Ÿ A type of Fixed Deposit which investor can Ÿ Minimum Investment of Rs. 5000 per
invest monthly. month.
Ÿ ROI is the same as that of regular FD. Ÿ Rated AAA(Stable) by CRISIL & ICRA.
For further details, please contact our Team.
C AG R : Co m p o u n d 2018. Therefore, the appreciation in the rate from
2016 to 2018 is 50%. By using the values in the
Annual Growth Rate
formula, Compound Annual Growth Rate for
(CAGR) is the rate of return
investment between 2016 and 2018 will be
that would be required for an
22.47%.
investment to grow from its
beginning balance to its ending CAGR would be as follows:
balance, assuming the profits were [150/100]^(1/2)-1 = 22.47 %
reinvested at the end of each year of the
investment's lifespan. KEY TAKEAWAYS :
CAGR is one of the most accurate ways to calculate
Formula and Calculation of CAGR:
and determine returns for anything that can rise or
CAGR= (EV/BV) ^(1/n) – 1 fall in value over time.
EV=Ending value BV=Beginning value
Ÿ Investors can compare the CAGR of two
n=Number of years
alternatives in order to evaluate how well one
For example: Mr. Kumar bought a stock at Rs.100 stock performed against other stocks in a peer
in 2016. It appreciated by 25% to Rs.125 in the year group or against a market index.
2017 and further appreciated to Rs.150 in the year
Ÿ CAGR does not reflect investment risk.
Integrated Investment Update, September 01-15,2020 Page 08Please contact our team, for further details.
Investment magazine for Retail Investors Fixed income securities www.integratedindia.in
RATING: MAA+/with Stable outlook (ICRA)
7.10 % 6.30% 8.15%
0.40% Additional for Senior Citizen
CORPORATE FIXED DEPOSITS
INTEREST RATE FOR 3 YEARS
RATING:
FAAA/Negative (CRISIL) / MAA+/with Stable outlook (ICRA) Disclaimer: Please note, Corporate Fixed Deposits are basically unsecured in nature. Investors are advised to refer financial
8.15%
0.40% Additional for Senior Citizen
details of the company carefully before taking investment decisions. Interest rates are subject to change and the rate
applicable will be the rate prevalent on the date of deposit.
M/s. Integrated Enterprises (I) Pvt. Ltd. / its Directors / its Employees cannot be held responsible for individual investment
decision based thereon.
Rates updated on 12.09.2020
LIC Housing Finance Ltd.
RATING: FAAA/Stable by CRISIL.
6.60% 6.05% 6.10%
0.25% Additional for Senior Citizen
RBI Floating Rate Savings Bonds, 2020
(Taxable)
ATTRACTIVE RETURN WITH 100% SAFETY
Ÿ Minimum investment amount Rs.1000 and Ÿ The bonds are not transferable / not
in multiples of Rs.1000. tradable.
Ÿ Half-yearly interest is payable on 1st
Ÿ Maturity Period : 7 years
January / 1st July. No Cumulative option.
Ÿ Nomination facility available. Ÿ The coupon rate on 1st January 2021
shall be paid at 7.15%.
Integrated Investment Update, September 01-15,2020 Page 10Be confident!
Stay Secure !
Most of us are gripped by
financial stress
due to COVID-19 pandemic.
Life and Health Insurance provides
confidence to handle
worst of scenarios.
All existing policies cover COVID-19.
New policies would also cover COVID-19
after a waiting period of 30 days.
Please contact our team, for further details.Investment magazine for Retail Investors Life Insurance www.integratedindia.in
A plan that helps to achieve personal milestones in Ÿ Long term income option: Guaranteed Income
life with assured benefits. Comes with three plan for a fixed term of 25 or 30 years plus return of
options to choose from depending upon life stage premiums paid at the end of Payout Period.
and priorities. Provides Life Cover to protect family’s Ÿ Enhanced benefit for policies with Annual
future. Premium more than Rs. 1,50,000.
Key features : Ÿ Tax benefits as per prevailing tax laws.
Ÿ Guaranteed Income option: Guaranteed Ÿ Optional Riders - Enhance protection coverage
Income Benefit offering more than double the with rider options on payment of additional
premiums paid for 12 pay option. premium.
Ÿ Life long income option: Guaranteed Income till
age 99 years plus return of premiums paid at the
end of Payout Period.
ILLUSTRATION
Age 40 Age 50
Premium: Rs. 1 Lakh p.a. Premium: Rs. 1 Lakh p.a
Sum Assured : Rs.11,50,000 Sum Assured : Rs.10,50,000
Guaranteed Income option: Life long income option: Long term income option:
Maturity Amount Maturity Amount Maturity Amount
PPT : 10 years PPT : 10 years PPT : 5 years
Policy Term : 11 years Policy Term : 11 years Policy Term : 6 years
Maturity Benefit: Maturity Benefit: Maturity Benefit:
Rs. 20,00,000 * Rs. 36,25,000* Rs.20,40,000 *
Pay out period : 10 years Pay out period : 25 years Till age 99
*Guaranteed Income of * Guaranteed income of * Guaranteed Income of
Rs.1,05,000 p.a from
Rs.2 Lakhs p.a Rs.35,000 p.a from 7th year +
12th year to 36th year + Rs.10 Lakhs
from 12th year to 21st year Rs. 5 Lakhs at the 99th year
at the end of 36th year
Insurance is the Subject matter of solicitation.
Integrated Investment Update, September 01-15,2020 Page 12Investment magazine for Retail Investors Life Insurance www.integratedindia.in
All benefits are assured at the beginning itself. It also provides with life insurance cover to take care of
the family in case of unfortunate death of policyholder.
Guaranteed Additions: Every year, either 9% or 10% of total premiums paid will be added to
policy benefits depending on policy term.
Guaranteed Maturity Benefit (GMB): A guaranteed lump sum payable at the end of the policy
term.
Flexibility: Choose premium payment term and policy term.
Protection: Get life cover for the entire policy term.
Tax benefits: Tax benefits as per the prevailing tax laws .
ICICI ASIP Offers attractive IRR
for a limited time
till 30th September,2020.
ILLUSTRATION Total Benefits:
Rs.4,95,393 + Rs.8,40,000
Rs.13,35,393
Age 40 Guaranteed
Premium: Rs. 1,00,000 Maturity Benefit:
Total Premium payable : Rs.7,00,000 Rs. 4,95,393
(Decided by the insurer)
Premium Payment Term - 7 yrs
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
10,000
30,000
60,000
1,00,000
1,50,000
2,10,000
2,80,000
3,50,000
4,20,000
4,90,000
5,60,000
6,30,000
7,00,000
7,70,000
8,40,000
Guaranteed Additions : 10% of total premium paid will be added every year
Policy Term 15 years
Insurance is the Subject matter of solicitation.
Integrated Investment Update, September 01-15,2020 Page 13Investment magazine for Retail Investors Life Insurance www.integratedindia.in
Kotak Premier Endowment Plan is a long-term Guaranteed Additions: at 5% p.a. of Basic Sum
savings and protection plan that provides financial Assured for first 5 policy years.
security to cope with unfortunate contingencies Basic Sum Assure (BSA):
along with the ability to save for future financial The Basic Sum Assured is selected by the Policyholder
needs. This plan provides guaranteed additions in the and the Premium is based on Basic Sum Assured,
first five policy years and bonuses start accruing from Term, Premium Paying Term and the Age of the Life
6th year onwards, all this put together builds up a Insured.
corpus for secure future. Maturity Benefit
Plan at a glance This plan provides for wealth creation during the
Entry age / Max. Maturity Age : 18-60 yrs / 70 years policy tenure.
Premium Payment Term (PPT) Basic Sum Assured + Accrued Guaranteed Additions
Regular Pay : Same as policy term + Accrued Reversionary Bonuses (from 6th year
Limited Pay : 5,7,10 & 15 years onwards), if any + Terminal Bonus, if any
Policy Term : Regular Pay : 10 - 30 years Death Benefit
Limited Pay Higher of; (1) Basic Sum Assured or (2) 11 / 7 times
5 Pay 7 Pay & 10 Pay 15 Pay of Annual Premium (depending on the age at entry)
10 to 30 years 15 to 30 years 20 to 30 years or (3) 105% of the premiums paid + Accured
Minimum Premium Guaranteed Additions / Accrued Reversionary
Regular Pay : Rs.8,000 P.a. Bonuses and Terminal Bonus, if any
Limited Pay : Rs.15,000 p.a. Tax benefits as per applicable Tax Laws.
ILLUSTRATION
Age : 40 Total Premium payable
Premium: Rs. 49,460/- p.a Basic Sum Assured : Rs. 5 lacs Rs. 4,94,600
Premium Payment Term - 10 yrs
1 year 5 years 10 years 20 years
Policy Term - 20 years Maturity Amount
Rs.11,98,750/-
Rs.25,000 x 5 years = Rs.1,25,000 + Rs.5,00,000 + Rs.3,48,750 + Rs.2,25,000
Accrued Guaranteed Additions Basic Sum Accrued Terminal
Assumed Investment Return 8% p.a.
@ 5% on BSA for 5 years Assured Reversionary Bonus
Bonus Premium excl. G.S.T
Insurance is the subject matter of the solicitation.
Integrated Investment Update, September 01-15,2020 Page 14Investment magazine for Retail Investors Life Insurance www.integratedindia.in
This Plan provides a regular income and security for family despite the ups and downs of life. The
guaranteed monthly income increases every year while the guaranteed periodic lump sums can
be invested in business or fulfill family's goals. Moreover, the life insurance cover in this plan
ensures that family continues to fulfill their goals in case of any unforeseen eventuality.
Loyalty Addition, payable at the end of the premium payment term
Maturity Addition, payable at the end of the policy term
Select amongst the policy terms of 10/20/30/40/50 years and pay for half of the policy term.
Choose to pay premiums yearly, half-yearly, quarterly or monthly.
Money Back Benefits at the end of every five policy years till maturity.
Increasing regular monthly income payouts from the end of the premium payment term.
Enjoy tax benefits on the premiums paid and benefits received, as per applicable income tax laws.
ILLUSTRATION
Age 45 years Premium Amount Rs.50,000 p. a
(will be chosen by investor)
Policy term 20 years
Sum Assured Rs.1,86,600
Premium Payment Term 10 years
(decided by Insurer on the basis of premium)
Benefit Amount Remarks
A. Total Guaranteed Money Back Benefit 1,86,600 25% of Rs.1,86,600 = Rs. 46650 paid in 4
instalments
B. Total Regular Monthly Payouts 4,75,830 Payout starts at 11th year. (1% x 12 x 1,86,600)
and increases by 0.25% for following years.
C. Guaranteed Loyalty Addition 18,660 1% X 1,86,600 x 10
D. Guaranteed Maturity Addition 37,320 1% X 1,86,600 x 20
Total Maturity Benefit (C+D) 55,980
Total Benefit (A+B+C+D) 7,18,410
Insurance is the Subject matter of solicitation.
Integrated Investment Update, September 01-15,2020 Page 15Investment magazine for Retail Investors Life Insurance www.integratedindia.in
Meet tomorrow's requirements while protecting loved ones with guaranteed returns. Increasing
Life Cover for the entire policy term.
Key Features:
Ÿ Flexibility to choose Plan Option: Endowment, Regular Income or Whole Life Income
Ÿ Receive guaranteed benefits on Maturity or Death
Ÿ Guaranteed Additions that boost corpus year on year under Endowment Option
Ÿ Flexibility to cover spouse in same policy under Whole Life Income Option
Ÿ Choice of Policy Term with limited Premium Payment Term
Ÿ Enhance your protection with optional Riders
ILLUSTRATION
Plan Option : Endowment
Age : 40 Mode : Single Life Total Premium paid : Rs. 10,00,000
PPT : 10 yrs Policy Term : 20 yrs Basic Sum Assured : Rs. 13,50,000
Annualised Premium : Rs. 1 Lakh (Decided by Insurer)
Guaranteed Additions (GA)
Accrued
Rs.59,250 p.a. for 20 years
Guaranteed Additions
Annual Premium of Rs.11,85,000
+
Rs. 1 Lakh for 10 years
Age 1
40 1
49 1
59
Year 1 1
10 1
20 Rs.11,85,000
Increasing Life cover for entire Guaranteed
Rs.13,50,000 policy term with Accrued GA Rs.24,75,750
Maturity Benefit
Total Premium Paid Rs.10,00,000 Total Maturity Benefit Rs.23,70,000
Insurance is the Subject matter of solicitation.
Integrated Investment Update, September 01-15,2020 Page 16Investment magazine for Retail Investors Snippets www.integratedindia.in
SEBI changes investment norms for MCA extends deadline for companies to hold
Multi Cap funds fiscal 2019-20 AGM till December 31:
SEBI issued a circular recently to modify the Ÿ The Ministry of Corporate Affairs (MCA) has
directed Registrar of Companies (RoC) to
characteristics of Multi Cap Fund. In order to
accord approval of three months extension to
diversify the underlying investments of Multi Cap
companies who have not able to hold their
Funds across the large, mid and small cap
annual general meetings for the financial year
companies and be true to label, SEBI decided to ended March 31, 2020.
partially modify the scheme characteristics of
Ÿ MCA stated that RoC have directed to accord
Multi Cap Fund as under:
approval for extension of time for a period of
Minimum investment in equity & equity three months beyond the due date by which
related instruments -75% of total assets in the companies are required to conduct their AGMs
following manner: for the financial year 2019-2020 ending on
March 31, 2020.
Minimum investment in Large cap companies
-25% of total assets Ÿ Earlier MCA has issued a clarification to its
order that no general extension for the due
Minimum investment in Mid cap companies
date of holding AGM for financial year 2019-20
-25% of total assets
to be given. But such companies can file an
Minimum investment in Small cap companies application with their RoC on or before
-25% of total assets. September 29 in a specified form (GNL-1) for
SEBI issued a clarification, to ensure the seeking extension of time in holding of AGM
compliance of this circular that mutual funds are for the financial year ended March 31.
free to choose the route for complying with the Ÿ MCA has now granted extension of 3 months
revised norms on multi-cap funds. Apart from for holding annual general meeting and hence
rebalancing their portfolio in the Multi Cap Companies with AGM due date as 30.09.2020
can conduct their AGM by 31.12.2020. But If
schemes, mutual funds (MF) could inter-alia
Company's AGM due date falls on 1st
facilitate switch to other schemes by unit holders,
September then it can hold AGM by 1st
merge their Multi Cap scheme with Large Cap
December. There is no need of separate
scheme or convert their Multi Cap scheme to
application in form GNL-1 for extension.
another scheme category, for instance, Large cum
Finance ministry advises banks not to levy
Mid Cap scheme.
charges on electronic transactions:
Sebi is conscious of market stability and therefore
Ÿ The Union Ministry of Finance has advised all
has given time to the Mutual Funds till January 31,
the banks not to collect any charges on
2021 to achieve compliance. transactions or payments made through
Integrated Investment Update, September 01-15,2020 Page 17Investment magazine for Retail Investors Snippets www.integratedindia.in
electronic mode, the Central Board of Direct Ÿ Central Depository Services (India) Ltd (CDSL),
Taxes (CBDT) mentioned in their statement. National Securities Depository Ltd (NSDL), BSE,
Ÿ According to the CBDT, some representations CDSL Ventures, NSDL Database Management,
were made that some banks are imposing and NSE Data and Analytics, CAMS Investor
collecting charges on transactions carried out Services and Computer Age Management
through UPI. A certain number of transactions Services are the eight entities that are allowed
were allowed free by these banks beyond to use e-KYC Aadhaar authentication.
which every transaction bears a charge, the Ÿ SEBI stated that National Stock Exchange of
CBDT noted. India Limited shall undertake Aadhaar
Ÿ This is in violation of the Circular no 32/2019 authentication service of the UIDAI subject to
dated December 30, 20219, which was issued compliance of the conditions as laid down
by CBDT to clarify that based on section 10A of earlier for those eight entities.
(Payment and Settlement System (PSS) Act, any Ÿ To provide the service, entities need to get
charge including MDR (Merchant Discount registered with UIDAI as KYC user agency (KUA)
Rate) shall not be applicable on or after January and allow SEBI registered intermediaries or
1, 2020 on payments made through electronic mutual fund distributors to undertake Aadhaar
modes. authentication in respect of their clients for the
Ÿ Hence, it is being stated that the Ministry has purpose of KYC.
advised the banks to immediately refund the Ÿ Further, the SEBI registered intermediaries and
charges collected, if any, on or after January 1, mutual fund distributors who want to
2020, on transactions carried out using undertake Aadhaar authentication services
electronic mode prescribed under section through KUAs, are required to enter into an
269SU of the IT Act and not to impose charges agreement with KUA( e-KYC users agencies)
on any future transactions carried through and get themselves registered with UIDAI as
electronic mode. sub-KUAs.
SEBI allows NSE to undertake e-KYC Aadhaar Ÿ The agreement in this regard will be as
authentication: prescribed by UIDAI (Unique Identification
Ÿ Markets regulator SEBI has stated that the Authority of India).
National Stock Exchange (NSE) to the list of Ÿ The KUAs and sub-KUAs need to follow the
entities can undertake e-KYC Aadhaar process as may be prescribed by UIDAI from
authentication. Earlier the regulator, had come time to time. They will also have to follow the
out with a list of eight entities permitted to use process recommended by SEBI on e-KYC
e-KYC (Electronic-Know Your Customer) authentication facility.
Aadhaar authentication.
Integrated Investment Update, September 01-15,2020 Page 18Investment magazine for Retail Investors Contact www.integratedindia.in
Regd. Office : 5A, 5th Floor, Kences Towers, No.1, Ramakrishna Street, North Usman Road, T.Nagar, Chennai- 600 017. Ph: 044 -2814 0645
Admn. Office : 501-502, Coral Classic Commercial Complex, Road No. 20, Chembur East, Mumbai – 400 071. Ph: 022-69061800
We have opened branches in many locations after lockdown. For the safety of our customers and employees, we request you to transact
Digitally. In case of any difficulty, you can always visit our branches. We are giving below our branch / teams contact for your reference.
TAMILNADU REGION
CBE - R.S.Puram : Janaki Apts., Ground Floor, 29/176, Ramalingam Road (West), R.S. Puram, Coimbatore - 641 002. Ph: 2471 944 / 505
CBE - Saibaba Colony : Shop No.19 / 20 Ground Floor, Aarpee Centre, 320 N NSR Road, Saibaba Colony, Coimbatore - 641011 Ph: 2434 391 / 358
CBE - Vadavalli : 3/28-7, VRR Complex, Maruthamalai Road, Vadavalli, Coimbatore - 641 041. Ph: 4212 456 / 4223 737
CBE - Ramanathapuram : No.1956, Matha Complex, (Opp. City Union Bank), Trichy Road, Ramanathapuram, Coimbatore - 641 045.Ph: 4210 203 / 2327 379
CBE - Ganapathy : No. 41/5, 1st Floor, L.G.B. Nagar, Sathy Road West, Saravanampatti (Post), Coimbatore - 641 035 Ph: 4641 313 / 2666 566
Dindigul: Sri Mahalaxmi Complex, 1st Floor, 72/42, New Agraharam, Opp, BSNL Customer Care, Palani Road, Dindigul - 624001 Ph: 2433 402 / 403
Karaikudi : Mahendra Complex, 7/1, Poisollameyyar Street, New Town, Karaikudi - 630 001. Ph: 238 452 / 235 174
Kumbakonam : 36/37, Pachayappa Street, Kumbakonam - 612 001. Ph: 2431 520 / 2422 670
Madurai - Simmakal : 82, 1st Floor, Vakkil New Street, Madurai - 625 001. Ph: 2630 305/ 2620 560
Madurai - K.K.Nagar : 2B/1, Valamjee Mansion, (Opp. to District Court), Madurai Melur Road, Vinayagar Nagar, Madurai - 625 020 Ph: 4358 234 / 4368 234
Madurai - S S Colony : 30/1, Navalar Nagar, 1st Street, S.S. Colony, Madurai - 625010 Ph: 2302 304 / 4986 272
Madurai - TVS Nagar : Old No. D-67 (New no 131) Rajam Road, TVS Nagar, Madurai - 625 003. Ph: 4246 644 / 2695 000
Mayiladuthurai : 1A/2, Kallarai Thoppu Street, Mayiladuthurai - 609 001 Ph: 240 046 / 243 045
Neyveli : Shop No.4, First Floor, Neyveli Plaza, Main Road, Indira Nagar, Neyveli - 607801. Ph: 266 736 / 836
Puduchery : No.40-A,Aurobindo Street, (Between M.G.Road & Mission Street), Pondicherry - 605 001. Ph: 2222 155 / 4207 233
Pudukottai : TS No. 3604/15, 1st Floor, Lakshmipuram 1st Street, Team Hospital Backside, Opp to New busstand, Pudukottai - 622001. Ph: 225 005/224 015
Salem : Shop No.8/9/10, M.R.Complex, 1st Floor, No.114, Kanakupillai Street, Alagapuram, Salem - 636016. Ph: 2446 727 / 2336 746
Thanjavur : 1999, Kamal Towers, West Main Street, Thanjavur - 613009 Ph: 230 928 / 929
Tirunelveli : Arunagiri Complex Next To SBI 25b-1/31 and 25b-1/32 I Floor, S.N.High Road, Tirunelveli Junction - 627 001 Ph: 2323 331 / 332
Tiruppur : Ground Floor, Door No.66-C.G.G. Towers, Kumaran Road, Tiruppur - 641 601Ph: 4320 332
Trichy - Thillai Nagar : 25-A Sastri road, Gitanjali Apts ,Thillai Nagar,Trichy - 620018 Ph: 4023 168/ 4024 068
Trichy - Chatram Bus Stand : Chitra Complex - No.9, 1st Floor, Near Chatram Bus Stand, Trichy - 620 002. Ph: 2703 670 / 2716 387
Trichy - Srirangam : 100B,Gandhi Road,Srirangam, Trichy - 620 006. Ph: 2436 211 / 2431 244
Trichy - K K Nagar : Door No. 16 & 20, Ground Floor, City Centre, 4th Street, Sundar Nagar, Trichy - 620 021. Ph: 4030 300 / 4012 444
CHENNAI REGION
Adyar : Ground Floor, 15, Balaram Road, Adyar, Chennai - 600 020. Ph: 2442 0776 / 2491 4178
Adambakkam : Door No 14, R.K. Plaza, 1st Floor, 1st Shop, Lake view road, Adambakkam, Chennai - 600 088. Ph: 2260 1351 / 0146
Ambattur : Old No.18/2 , New No.58,Mounasamy Madam Street, Ambattur, Chennai - 600 053. Ph: 2657 0654 / 0679
Anna Nagar : No: W-65 A1, TLV Manor, Ground Floor,(Opp. Tower Club), Annanagar, Chennai - 600 040. Ph: 2628 2616 / 2621 4371
Ashok Nagar : New No. 33, 11th Avenue, (Near Grand Sweets), Ashok Nagar, Chennai - 600 083. Ph: 2489 5378 / 2471 8482
Avadi : MIG Plot No 3461, Ground Floor, TNHB, Avadi, Chennai - 600054. Ph: 2655 0413 - 0416
Chrompet : No.53 and 55, First Floor, Shop-C, Station Road, Radha Nagar, Chrompet,Chennai - 600 044. Ph: 2265 3171 / 3172
George Town : Old No 111 New No 227, Thambu Chetty Street, First Floor (Nr Kalikambal Kovil), George Town , Chennai - 600 001. Ph: 2524 1041 / 2521 9488
Mogappair : Poomani Plaza, Block No.6, Door No.3, First Floor, Mogappair West, Chennai - 600037 Ph: 2653 1033 / 1381
Mylapore : Shop No. 36 ,TNEB Complex, Gr. Floor, LUZ Golden Enclave, Door No. 180, Luz Church Road, Mylapore, Chennai – 600004 Ph: 2498 3748 / 3502
Nanganallur : No 15, 14th Street, 3rd Main Road, Nanganallur, Chennai - 600 061. Ph: 2267 3928 / 3728
Perambur : New No.73, Old No. 33, Madhavaram High Road, Perambur, Chennai - 600 011. Ph: 2552 1353 / 1352
Periyar Nagar : Old No. 40, New no. 16, First main road, Jawaharnagar, Chennai - 600 082 Ph: 2670 3125 / 3126 / 3140
Porur : 2/52, 1st Floor, Vinayagar Koil Street, New colony, (Near St John School), Porur, Chennai - 600 116 Ph: 2476 5137 / 6755
Saligramam : No.13/49, Arunachalam Road, Saligramam, Chennai - 600093 Ph: 2376 3751 / 3752
Tambaram : 8/38, Duraiswamy Reddy Street, Tambaram West, Chennai - 600 045 Ph: 2226 0557 / 0386
T.Nagar - Motilal Street : 42/1, Motilal Street, T.Nagar, Chennai - 600 017. Ph: 2434 7827 / 7830 / 1642
T.Nagar - North Usman Road : 1st Floor, Kences Towers, 1, Ramakrishna Street, North Usman Road, T.Nagar, Chennai - 600 017. Ph: 2814 0484
Velachery : No.1/5, Ground Floor, Maheswari Nagar, 100 Feet Bye Pass Road, Velachery, Chennai - 600 042. Mobile : 98409 08240
Virugambakkam : No.1, Rajeswari Colony, First Floor, (Near Girias & Next To LIC), Virugambakkam, Chennai - 600 093. Ph: 2377 4408 / 4497
West Mambalam : New No.40 - Old No.179/1, Lake View Road, West Mambalam, Chennai - 600 033. Ph: 2474 8319 / 8320
Integrated Investment Update, September 01-15,2020 Page 19Investment magazine for Retail Investors Contact www.integratedindia.in
KERALA REGION
Cochin - MG Road : 'RAJ SOUDH', I Floor, 39/3477, M.G.Road, Ernakulam - 682 016. Ph: 2358 922 / 923
Palakkad : 17/1923, 17/1924, A.R. Complex, Priyadharshini Road, Opp. Priyadharashini Theatre, Palakkad - 678 001 Ph: 90720 02444 / 90720 03444
Thrissur : Door No 29/586/A18, Sree Lakshmi Building, Shornur Road, P.O. Thiruvambady, Thrissur - 680 022 Ph: 2320 192 / 191
Trivandrum : D-NET Tower, TC 28/2875 (4), 1st Floor, Sahodarasamajam Lane, Vanchiyoor, Trivandrum - 695 035. Ph: 2461 593 / 2478 225
Trivandrum - Sasthamangalam : TC. 9/679-4, Lekshmi Plaza,Vellayambalam, Sasthamangalam Po, Trivandrum - 695010 Ph: 4000 206 / 2318 022
KARANATAKA REGION
BGL - Malleswaram : No 12, Ramanuja Plaza, Ground Floor, 5th Cross, Malleswaram,Bengaluru - 560 003. Ph: 2344 6386 / 2346 1470
BGL - Indira Nagar : No. 671, 17th D Cross, Indiranagar 2nd Stage, Bengaluru - 560 038. Ph: 2525 8490 / 2521 9347
BGL - Jayanagar : No-20( old CITB No-56) , 1st Floor, 8th-F Main Road, Jayanagar 3rd Block, Bengaluru, 560011. Ph: 2244 1561 / 2653 4659
BGL - Banashankari : 1296 1st Floor, 30th Main Road, Banashankari 2nd Stage Bengaluru - 560 070. Ph: 80889 33443 / 2671 1389
BGL - Gandhi Nagar : 22/5, Jala Shambhavi Complex, (I Flr), 22/23, 1st Main Road, Kalidasa Marg, Gandhi Nagar, Bengaluru - 560 009 Ph: 2234 0034 /4153 0319
BGL - Bannerghatta Road : No.73/2C, Thimmappa Reddy Layout, Hulimavu Gate, Bannerghatta Road, Bengaluru - 560 076. Ph: 4953 4732 / 6413
Mangaluru : F-1, 1st Floor, Ram Bhavan Complex, Kodialbail - 575 003. Ph: 2440 163 / 2447 051
Mysuru : 133, Shika Towers, Second Floor, Rama Vilas Road, Mysuru - 570 024. Ph: 2424 188 / 4266 682
ANDHRA & TELANGANA REGION
Guntur : 6-9-15,9/1 Aurndelpet,Guntur - 522002 Ph: 2326 624 / 2337 809
Hyderabad - Basheerbagh : D. No 5-10-188/2, R.No. 102 B, First Floor, Summit Apts, Opp. Bandline, Hillfort Road, Hyderabad - 500 004 Ph: 2324 2375 / 2472
HYD – Kukatpally : 15-31-2L-11/10, I Flr, Opp: Holy Mary Degree College, Pillar No.20, JNTU Hitech City Rd, Phase III, KPHB Colony, Hyd - 500 085Ph: 2305 8088 / 89
Kakinada : 2-1-69/1,Ist Floor, Opp. Andalamma College, Perraju Peta, Kakinada - 533 003. Ph: 2377 258 / 2341 205
Rajamundhry : D. No. 6-13-1, First Floor, Kankatalavari Street, Near Kotipalli Bus Stand, T.Nagar, Rajahmundhry - 533 101 Ph: 2422 120 / 2437 533
Secunderabad : D No.1-2-63,64 & 73/2, No-4 ,Ground Floor, S R Arcade, Parklane, Secunderabad - 500 003 Ph: 2784 5605 / 2781 6080
Vijayawada : D No. 29-13-29, Ist Floor, Kaleswara Rao Road, Near Dornakal X Roads,Suryaraopeta,Vijayawada - 520 002. Ph: 2472 414 / 2470 517
Vishakapatnam : D.No.47-9-17, Ground Floor, III Lane, Dwaraka Nagar, Visakhapatnam - 530 016 Ph: 2513 606 / 2747 020
Nellore Nellore
DP Division / Investments & Insurance Division Stock Broking Division
Contact Person Contact No. Contact Person Contact No.
Mr. Ashok Kumar P 9849912531 Mr Wahidkhan P 9885221180
Mr. Ravindra Babu N 9989598243 Mr E Raja 9154388118
MAHARASHTRA REGION
Mumbai - Andheri : A-27 Laram Centre, 24, S.V. Road, Andheri West, Mumbai - 400 058. Ph: 2628 2685 / 2686
Mumbai - Bandra : No. 8, Veena Beena Complex, Opp Bandra Railway Station, Bandra West, Mumbai – 400 050. Ph: 6698 1242 / 1243
Mumbai - Borivali : No. 4, Gora Gandhi Apts, 1st Floor, Above Hotel Samrat, Chandavarkar Lane, Borivali West - 400 092 Ph: 4208 7200 / 7201
Mumbai - Chembur : 11 and 12, Gr Floor, Neelkanth Commercial Complex, Next to Hotel Orchids, Govandi Road, Chembur - 400 071. Ph: 2521 0768 / 7660
Mumbai - Dombivli : No. 107, Triveni Building, 1st Floor, Opp: Bata Show Room, Jawaharlal Nehru Road, Dombivli East - 421 201 Ph: 2861 712 / 2433 471
Mumbai - Fort : No. 59, Sonawala Building, Gr.Floor, Bombay Samachar Marg, Fort, Mumbai - 400 023 Ph: 2266 2728 / 2825
Mumbai - Ghatkopar : No. A-111, Kailas Plaza, Vallabhbaug Lane, Ghatkopar East, Mumbai - 400 077 Ph: 2508 6488 / 6632
Mumbai - Matunga : No 3, Plot No 402, Ground Floor, Hari Mangal Manor, Telang road, Opp: Shankar Matt, Matunga East, Mumbai - 400 019 Ph: 2401 3163 / 64
Mumbai - Mulund : No.11, Alps Heights, Dr. R.P. Road, Mulund West, Mumbai - 400 080. Ph: 2569 0700 / 2592 7065
Mumbai - Thane : No. A – 201, Krishna Plaza, Station Road, Naupada, Thane West – 400 601 Ph: 2530 1256 / 1257
Mumbai - Vasantvihar : No. 22,Amrapali Arcade, Vasant Vihar, Pokhran Road 2, Thane West - 400 610 Ph: 2173 0813 / 0814
Mumbai - Vashi : No. 13, Arenja Corner, Sector - 17, Vashi, Navi Mumbai - 400 703 Ph: 2766 0042 / 0043
Mumbai - Vileparle : No.105, 1st floor, Super Market, Monghibai Raod, Next to Bank of Maharashtra, Vile Parle East, - 400 057 Ph: 2613 3855 / 2618 2137
Pune Shukrawarpeth : 7 & 8 Arthshilp, Gr.Floor, 1349, 1350, Shukrawar Peth, Bajirao Road, Pune - 411 002 Ph: 2448 1891 / 2447 3944
Pune Camp : No. 10, Gr. Floor, Kumar Pavilion, 2424, Timya Road, Next to Victor Cinema, East Street, Camp, Pune- 411 001 Ph: 4123 9797 / 4125 9797
Pune Kothrud : No. E-7, 2nd Floor, Rahul Complex, Paud Road, Kothrud, Pune - 411 038 Ph: 4125 9595 / 9596
Nagpur : No. GS-3, Amarjyoti Palace, Dhantoli, Wardha Road, Nagpur 440 012 Ph: 2420 105 / 605
Nasik : B-Wing, Parshuram Apts, Opp. Times of India Office, College Road, Nasik - 422 005 Ph: 2575 524 / 534
Integrated Investment Update, September 01-15,2020 Page 20Investment magazine for Retail Investors Contact www.integratedindia.in
PAN & eTDS Services - Mumbai City
Dadar Malad : Ms. Minal S Vichare
Rakesh Vilas Tambe Senior Relationship Manager / 87930 95311
Senior Relationship Manager / 75586 06463 No.7 1st floor, Abhishek Commercial Complex, Above
No. 48, 1st floor, King Krest, Bhavani Shankar Road, Dena Bank, Plotno.104, S V Road Malad West, Mumbai -
Dadar West, Mumbai - 400 028 400 064Ph: 2880 2878 / 2882 2904
Ph: 2431 8496 / 8356 dadaretds@integratedindia.in maladetds@integratedindia.in
GUJARAT REGION
Ahmedabad - Navrangpura : 21, Nirman, Gr.Floor, Behind Navrangpura Bus Stop, Navrangpura,Ahmedabad - 380 009. Ph: 2644 3289 / 7825
Ahmedabad - Mani Nagar : LG 8/9/10, H.J. House, Opp. IOC Petrol Pump, Rambaugh, Maninagar,Ahmedabad - 380 008. Ph: 2545 0718 / 2546 3670
Ahmedabad - Chandkheda : F5, Samruddhi Complex, Opp. SBI, New C.G. Road, Chandkheda, Ahmedabad - 382 424 Ph: 2329 6934 / 935/ 936
Baroda - Alkapuri : F- 40/41, National Plaza, 1st Floor, R.C.Dutt Road, Alkapuri, Baroda - 390 007. Ph: 2343 677 / 2323 783
Baroda - Raopura : Samarth Building, Ground Floor ,Near Gujarati School, Shiyapura, Opp. Lane of Chittesthan Hanuman Mandir, Baroda - 390 001. Ph: 2421097-99
Baroda - Makarpura : FF-101, Kishan Atria, Near Manjalpur Hospital, Tulsidham Cross Road, Makarpura Road, Manjalpur, Baroda - 390 011. Ph: 2648 001 / 002
Rajkot : 130/131, Star Chambers, 1st Floor, Harihar Chowk, Dr. Rajendra Prasad Road,Rajkot - 360 001. Ph: 2220 730 / 2240 3732
Surat : D/G-23A, International Trade Centre, Ground Floor, Behind Radhakrishna Hotel, Majura Gate, Ring Road, Surat - 395 002. Ph: 2474 535 / 2479 495
Rajkot Branch
Investment related queries : Share Broking PAN Card & eTDS related queries
Ms. Vaibhavi Parkeh Mr. Keval Chauhan Mr. Kishan Khakkar
9974070070 9879607805/ 9662398039 7802060307
bmrajkot@integratedindia.in rajkotsmd@integratedindia.in rajkotetds@integratedindia.in
DELHI / UP & MP REGION
New Delhi - Karol Bagh : RD Chambers, 3rd Floor, 16/ 11, W.E.A., Arya Samaj Road, (Above Kotak Bank), Karol Bagh,New Delhi-110 005. Ph: 4517 0331 / 332
New Delhi - Nehru Place : No. 19-B, Ground Floor, Hemkunt Chambers, Nehru Place, New Delhi - 110 019. Ph: 4668 1444 / 1445
New Delhi - Janakpuri : 108, 1st Floor, Jaina Tower –1, District Centre, Janakpuri, New Delhi – 110058 Ph: 4517 0345 / 346
New Delhi - Preet Vihar : Off No. - 502, 5th Flr, Laxmi Deep Bldg, Plot No.9 District Centre, Laxmi Nagar, Nr. Nirman Vihar Metro, Delhi - 92.Ph: 4254 8835 / 4758 7168
Lucknow : Office No.2, Ground Floor, Saran Chambers II, 5 Park Road, Lucknow - 226 001. Ph: 4343 004 - 06 / 4060 085
Bhopal : MF-7, A Block, Mezzanine Floor, Mansarovar Complex, Habibganj Station Road, Bhopal - 462011. Ph: 4266 005 / 006
WEST BENGAL REGION
Kolkata - South : Flat No.1-B, 4C Lansdowne Place, Opp. Road of Ramakrishna Mission Hospital, Kolkata - 700 029. Ph: 2474 6400 / 2705
Kolkata - Salt Lake : BA-37, Sector -1, PNB Island, Kolkata- 700 064 Ph: 2358 0900 / 0890
Kolkata - Dalhousie : No. 210, A-Wing,2nd Floor, 24, Hemanta Basu Sarani, Mangalam, Kolkata - 700001 Ph: 2231 0556 / 0557
Kolkata - Garia : E/188, Ramgarh, Ground Floor, P.O.Naktala, Garia Ganguli Bagan, Kolkata - 700047 Ph: 2430 4051 / 4052
East -Jamshedpur : Shop No.1, Meghdeep Apts, H No.5, Line No.2, Q Road, Bistupur, Jamshedpur, Jharkhand - 831001 Ph: 2321 319 / 330
East -Patna : No.313, Jagat Trade Centre, Fraser Road, Patna 800 001. Ph: 2205 943 / 2216 166
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