Monday, January 30, 2012

Tax benefits under Sec 80C, 80CCF, 80D, 80G and 80E

SEC 80C

            


Section 80C allows you to claim deductions in respect of life insurance premium, contribution to PPF, principal repayment on home loan, etc.
You are entitled to a tax benefit provided you make investments in certain instruments which are eligible for deduction under Sec 80C of the Income Tax Act, 1961, with the maximum total exemption being Rs 1, 00,000. That is, if your income is Rs 500,000 you can claim tax exemption up to Rs 100,000 which leaves you with a taxable income of Rs 400,000.

SEC 80CCF
                                          

Deduction in respect of subscription to long-term infrastructure bonds
Any investments made in long-term infrastructure bonds as notified by the central government shall be allowed as deduction to the extent of Rs 20,000. This is in addition to the limit of Rs 100,000 allowed under Sec 80C of the Income Tax Act, 1961.
SEC 80D
                           
Medical insurance premium
Premium paid for medical insurance up to Rs 15,000 is eligible for deduction under Sec 80D; in case of senior citizens the limit is extended to Rs 20,000.
The table above summarises the provision.
SEC 80 E
                    

Deduction in respect of interest on loan for higher education
The amount of interest paid on loan borrowed from any financial institution or any approved charitable institution is eligible for deduction under Sec 80E of the Income Tax Act, 1961, the loan being taken for the purpose of higher education.
The provisions are simplified in the graphic above.
SEC 80G
                        
Donations to certain funds/ charitable institutions
Donations, charity need not necessarily be one-way traffic but could result in a win-win situation for both parties. To simplify it further, donations made to certain funds or charitable institutions are eligible for deduction under Sec 80G of the Income Tax Act, 1961.
So while the receiving party benefits with the donation, you receive tax benefits arising from the deduction.
Institutions eligible for deduction under this section are categorised in three segments based on the amount of deduction allowed. The three segments have:
  • 100 per cent deduction allowed without any limit
  • 50 per cent deduction allowed without any limit
a. 100 per cent deduction allowed of restricted amount
b. 50 per cent deduction allowed of restricted amount
Where restricted amount is 10 per cent of the adjusted total income
Illustration: Mr A, an individual, has total income for a year amounting to Rs 400,000. He makes a donation of Rs 150,000 to an approved charitable institution. Depending on the institution he invests in, we have four different scenarios that explain the benefits arising in each case.





Income tax slab 2011-2012

Here is the latest income tax slab rates for Year 2011-2012. This tax table based on the latest income tax slab is a ready reference for calculating your income tax for year 2011-12. Quick highlights
  • Base slab for general tax payers increased to 1.8 lakh from original 1.6 lakh
  • Senior citizen age reduced to 60 years from last years 65 years. Senior citizen now include people between 60 and 80 years. Also increased the base slab for senior citizen to 2.5 lakh from previous years 2.4 lakh
  • A new category called "Very Senior citizen" added for people above 80 years.
To find out how much is your savings due to the latest tax slabs, you can use our free income tax calculator to do a quick calculation. Click here

Income tax slabs 2011-2012 for General tax payers

Income tax slab (in Rs.)Tax
0 to 1,80,000No tax
1,80,001 to 5,00,00010%
5,00,001 to 8,00,00020%
Above 8,00,00030%

Income tax slabs 2011-2012 for Women

Income tax slab (in Rs.)Tax
0 to 1,90,000No tax
1,90,001 to 5,00,00010%
5,00,001 to 8,00,00020%
Above 8,00,00030%

Income tax slabs 2011-2012 for Senior citizen (Aged 60 years but less than 80 years)

Income tax slab (in Rs.)Tax
0 to 2,50,000No tax
2,50,001 to 5,00,00010%
5,00,001 to 8,00,00020%
Above 8,00,00030%

Income tax slabs 2011-2012 for Very Senior citizen (Above 80 years)

Income tax slab (in Rs.)Tax
0 to 5,00,0000%
5,00,001 to 8,00,00020%
Above 8,00,00030%

Sunday, January 29, 2012

The Formula for growth - Regular Investment

Long term and regular investment is the golden truth of the equity market and schemes based on it. Its better to invest rather than waiting for an opportunity to do so. At the same time, if you invest early and remain invested for a long time, you'll be getting future benefits. Better investment planning on regular basis always leads to a prosperous future.

Starting from school days, we listen to varied sayings and make use of it. Sometimes we forget that some of these sayings are directly related to our personal finance management. Everyone should always think of savings out of the earnings they have, instead of spending it and be left with nothing in critical times. There is a chance that due to downfall in equity market the share value may go down for some period of time, but later when the market rises , you may get double or treble the profit value for same investment.
We often hear about direct investment done in share market or indirect investment done through life insurance or mutual fund schemes. But most of the time we take a role of audience and clap for the winner. The reason for this, is we don't know how to play. But we forget that the winner's achievement is coming out of consistent efforts taken in form of regular investment. When we see some company has given record breaking returns in short span of time we get frustrated thinking 'just missed the bus'. But we lack the courage to stay invested in share market for longer time.
It is difficult to identify the company from such a big list that would give best returns. Most of the time we enter and start investing when the market is on top and withdraw and stop investing when the market is falling. Needles to stay, most of the investors have felt the heat due to this approach. It is very important to define goals we want to achieve out of our investment. Everyone wants to purchase the share when its price is at bottom and sale at the top. But this is a rare acumen. This is a reason world got only one Warren Buffet. But in due course of time it is proved that regular investment and staying invested are the keys of fortune. For instance, today the cost of 100 shares ofWipro, purchased in 1980 is Rs. 300 crores. We know in 1980 it was difficult to have liquidity to invest Rs. 10,000 and there were very few people in market to guide on market investments. But today times have changed, we have lots of investment opportunities. We can't just wait and watch for the best time for investment. As we know "timing" in a market is subjective and its precision is proved only after timing an exit. The early we start investing the more is the chance of good returns.
Many people think that we can make property by taking loans. But one should remember that when we purchase property worth Rs. 50,00,000/- by taking loan of Rs. 40,00,000/- what we have is just a paper worth Rs. 10,00,00/- that too mortgaged with the bank till we repay the loan. In today's rate of interest we might end up paying double of the principal amount by the time we repay entire loan. Best way is to pay maximum amount in form of down payment and go for minimal loan. This is possible only with disciplined investment.
In attempt to avoid minimal risk, we see many people running behind unknown financial institutions promising higher rate of interest. By taking some risk and showing courage we can see good growth in our invested amount. Historical data of the equity markets shows us a the rate of return is in the range of 15-27% for long term and regular investments. The accumulated amount will enable us to fight with inflation and still leave sufficient surplus to spend on property. There is one very popular saying 'If you have not risked anything in your life, you probably have risked everything in your life.

Reproduction of an article in Daily Sakal 

Fixed Deposit rates from 1976


             

Friday, January 27, 2012

7 Things Highly Productive People Do

1. Work backwards from goals to milestones to tasks. Writing “launch company website” at the top of your to-do list is a sure way to make sure you never get it done. Break down the work into smaller and smaller chunks until you have specific tasks that can be accomplished in a few hours or less: Sketch a wireframe, outline an introduction for the homepage video, etc. That’s how you set goals and actually succeed in crossing them off your list.

2. Stop multi-tasking. No, seriously—stop. Switching from task to task quickly does not work. In fact, changing tasks more than 10 times in a day makes you dumber than being stoned. When you’re stoned, your IQ drops by five points. When you multitask, it drops by an average of 10 points, 15 for men, five for women (yes, men are three times as bad at multitasking than women).

3. Be militant about eliminating distractions. Lock your door, put a sign up, turn off your phone, texts, email, and instant messaging. In fact, if you know you may sneak a peek at your email, set it to offline mode, or even turn off your Internet connection. Go to a quiet area and focus on completing one task.

4. Schedule your email. Pick two or three times during the day when you’re going to use your email. Checking your email constantly throughout the day creates a ton of noise and kills your productivity.

5. Use the phone. Email isn’t meant for conversations. Don’t reply more than twice to an email. Pick up the phone instead. 

6. Work on your own agenda. Don’t let something else set your day. Most people go right to their emails and start freaking out. You will end up at inbox-zero, but accomplish nothing. After you wake up, drink water so you rehydrate, eat a good breakfast to replenish your glucose, and then set prioritized goals for the rest of your day. 

7. Work in 60 to 90 minute intervals. Your brain uses up more glucose than any other bodily activity. Typically you will have spent most of it after 60-90 minutes. (That’s why you feel so burned out after super long meetings.) So take a break: Get up, go for a walk, have a snack, do something completely different to recharge. And yes, that means you need an extra hour for breaks, not including lunch, so if you’re required to get eight hours of work done each day, plan to be there for 9.5-10 hours.

63rd Republic Day- 63 Things to Admire About India


We are 63 years old as a Republic. It is the time to celebrate that we are the citizens of India and live in a democracy, a blessing we sometimes take for granted. It is time to appreciate our founding fathers that had the conviction and wisdom to give us this Constitution. Here are the 63 things in our national life that define us and make us proud.


The Indian Armed Forces: Nothing matches the untamable courage of the Indian jawans and officers. They live to defend our borders; stay awake so we get a good night's rest. They are truly the brave forces. Jai Jawan!


Hospitality: One of the most evident things any person or even a visitor in India will notice is its hospitality. Indians are full of warmth and hospitality. For instance just board a train and you will see that the family on the next berth will open their tiffin, with rotis and sabzi and pickles and generously offer to share their food with you. Guests in a small Indian home! No issues because they eventually offer their bed while they sleep in the hall. Hospitality like this would only be seen in a place like India.


Economic Renaissance: It has been such a pleasure to see that since the beginning of the 1990s, India has taken an upbeat turn in the economic field. Prime Minister Narasimha Rao and his Finance Minister Manmohan Singh will be remembered in history as those who dared to abandon the old Soviet path of a planned economy.


Supreme Court: It is our tough cookie that serves justice and gets to rap our leaders. The apex court that has had a very busy year, pulling up governments, public servants and criminals along with all the scams bursting into the scene one after another.


Election Commission: Whether it is about thinking of a new political party or a fancy symbol for your existing one, or wanting to nail a guy for his hate speech. The Election Commission is here to meet your every electoral need.


Indian Railways: Our very own essence of India, the Indian Railways, something no one can miss to travel in. The experience of hot chaai, garam vadas, even a three-course meal in the train, ensures you get a ride you'll never forget! It is 'India's Lifeline' without a doubt.

The Big Fat Indian Wedding: In the splendor and show, there is nothing more dramatized than an Indian wedding. Something you can’t afford to miss is the Indian wedding with its diverse rituals and customs. It is the occasion that calls for the big splurge and display. It gives us Indians a great excuse to get together with our zillion relatives and do what we do best, have some fun!


Festivals: Be it Diwali, Holi, Id or Christmas, Indians celebrate all the festivals with equal zest and enthusiasm. India is known for its diverse culture and showcases its unity in its diversity.


Wagah Retreat Ceremony: The 'lowering of the flags' ceremony at an official land crossing between India and Pakistan is one of the most beautiful ceremonies. The fascinating, intense show of pomp, war cries and aggression is a must watch.


The Metro: The new Indian era has changed commuting habits. The Metro has finally made travel easy for commuters in the big cities. Led by the visionary leadership, it has set benchmarks in transparency, keeping to schedules and in developing civic infrastructure.


The Indian Attire: Be it sarees, kurta or salwar kameez the Indian attire is definitely a thumbs up. The Indian attire is an attraction for most of the foreign tourists.


Gold: This is rather evident that wherever there's an Indian, there is Gold. Our fascination for the yellow metal makes us the largest consumers in the world, maybe it explains why we didn't sink too badly during recession.


Yoga: Our very own ancient system of mental and physical rejuvenation which is now practiced all over the world. Being the land of meditation, we have as many forms as there are gurus. It is unquestionably a system that helps both the body and the mind.


Rangoli: It is this traditional decorative folk art that remains alive on courtyards of many Indian homes, most often on auspicious days. Rangoli is practiced in many different states and enhances the beauty of the homes.


The Indian Sweets: Most of us Indians have a sweet tooth and love our jalebis, cashew burfi’s and rasgulla’s. Heavenly is the word! Every occasion in India is marked with the traditional Indian sweets.


Gulli Cricket: If cricket is a religion in India, it is practiced in the 'gullis' of India every waking moment. It is unarguably India's national pass time. Watching the gods perform on TV and fine tuning the art in the streets and corners of the length and breadth of our land, is how it works.


Malls: India's new favorite hangout is the malls. Every child, teen and couple find their way to the malls to kill some time and splurge some money.


Tiger: It is something that India was justly famous for in the years gone by. But unfortunately almost poached and neglected to extinction. Renewed efforts were launched to rescue this king of the jungle and our National Animal.


Dhabas: How can we forget these little food joints that are renowned for their earthen settings and lip smacking local cuisine. They are dotted on the highways around the country, most often serving as pit stops for travelers and truckers.


Joint Families: It is the famous Indian phenomenon- grandparents, uncles, aunts, cousins, second cousins- all under the same roof. Though of late urban life and migration has seen this practice disappear, it's alive in spirit in television serials and films.


Swamis & Netas: One export from India that has been an international hit is the 'swami' or the spiritual gurus. They have placed India on the map with thousands of followers heading our way every year. Not far behind in popularity are our politicians or 'netas', as we fondly call them.


Bollywood Movies: Undoubtedly Bollywood movies are much followed and sought after by us Indians. The perfect endings that we love to see is what our movies offer us. With the dancing and singing and a little unreal ‘stuff’ we love our Hindi movies.


Saas Bahu Serials: It's now been 2 decades since the 'mega-serial' broke onto our screens. Dominating since Day 1 is an inexplicable fascination to portray the Saas-Bahu (mother in law-daughter in law) relationship. Whether the Saas be evil or the Bahu, we Indian viewers are hooked!


Paan: Paan in India is a ‘can't miss’. Good to eat, but not too good to spit. Weirdly so many Indians are seen chewing this green leaf that it has almost given others an easy way to identify a ‘typical Indian’.


Bhangra: It is the traditional dance form of Punjab and an international favorite! The thumping beats, the fast, sometimes acrobatic movements leave you spellbound and energized for more.


Bargaining: It is an essential Indian trait. Shopping on the streets of India is a done thing- you beg, fight or bluff your way through!


Dabbawallas: These famous ‘dabbawallas’ that deliver homemade food. More often than not we end up cribbing about how the daal is a little too watery, the rice uncooked but yet we love our dabba’s.


Dhol: Don’t we love the sound of the dhol out there on the street! Although it looks primitive in design, it breathes life into any celebration. Is has a sound that reverberates in the skies.


Dandiya: The dance form that was born in Gujarat is an explosion of rhythm, music and color. In navratri the art form becomes a melting pot of cultures where people around India come together and as everyone dance to the tune of decorative sticks (dandiyas).


Mahatma Gandhi: Mahatama Gandhi, the father of the nation. The man who struggled for our independence and who left behind a treasure of practical wisdom.


Rabindranath Tagore: India's national poet, who gave us our national anthem. He is remembered as the giant among intellectuals.


Anna Hazare: The social activist and prominent leader who in the last year brought about the Indian anti-corruption movement. He is one of the top global thinkers who actively participated and encouraged the youth to take up the cause of corruption seriously and to remove the plague from the country.


Creativity: India is known for its creativity. India has produced many well known philosophies and sciences, arts and poems and all kinds of monuments, palaces, temples, communities, societies and religious orders, laws and codes and rituals, physical sciences, psychic sciences, systems of politics and administration, spiritual  arts, worldly arts, trades, industries, fine crafts and more.


The Grace: One more reason to love India would be that in India it is the grace which sustains us.  It is the graceful Indians that make the country such a lovely place to live in.


Culture: India has one of the oldest and unique cultures. India has an amazing cultural diversity throughout the country. The North, South and Northeast have their own distinct cultures and almost every state has carved out its own cultural niche. There may hardly be any culture in the world that is as varied and unique as India.


Diversity: India is truly the perfect example of unity in diversity. Despite the different religions and castes, customs and traditions, the different languages spoken etc people here still have a feeling of oneness. We are bound by common cultural heritage and share basic human values and hence, we call ourselves Indians.


Worshipping Nature: We Indians worship nature and that is what is unique about our culture. All the religions here start the day with morning hymns. The sun, the trees and every part of the nature is worshipped in various forms in our country and nowhere in the world can one find such generosity.


Religious Generosity: Hindus, Muslims, Sikhs, Christians, Buddhists, Jains, etc one can find people of all religions in India. India being a secular state, allows every citizen to enjoy an equal right of choosing and following a particular religion.


Way of Greeting: "Namaste", is our common way of greeting outsiders and elders. It not only shows the respect for others but it also makes one feel the affection in the greeting. It for sure creates a magic that even no 'hello' or 'hi' can create.


Artistic India:  Nowhere in the world can one find such a great variety in performing and visual arts that is seen in India. From a roadside show to a highly classy drama in the theatre, one can find anything and everything here.


Street Shopping: Every city in India has its street shopping where buyers are flooded, trying to get the best bargain. Be it Sarojini market in Delhi, Linking road in Mumbai or any other shopping street, we Indians love street shopping.


Goa: Goa is India’s very own Miami. It is the land of the great laze. It is the ultimate stress-buster for people from all corners of India and the world. The place ensures there are no worries, no stresses but just a lot of spirits, sand and surf.


Himalaya’s: The great mountain range inspires completely contrasting feelings of thrill, awe and serenity. Trailing through the Himalayan region brings one directly in contact with our country and its people. It’s definitely one of the things we are proud to call our own.


Kerala: God's own country presenting a polite face of India. The place is full of culture, beaches, hills, plantations and its famously known backwaters.


Crowded Streets: It is the crowded streets that define India. The traffic on the roads, the populated markets and the packed streets is what epitomizes India.


Full Blast Music: In our country enjoyment is measured in decibels. The louder the music, the merrier it is. Though an assault on the ears it is great fun nevertheless. From loudspeakers for the neta’s speech to the jagrans, it is not easy to escape the noise of India.


Chaat Places: India is well known for its chaat places. The famous paani puri, sev puri and many more, is the ubiquitous roadside snack in India loved by all Indians.


Indian Cuisine: Be it butter paneer from the North or the masala dosa from the South, Indian food is lip smacking and delicious, with the scrumptious fragrance of the spices. Full of masala and spices Indian food is a definitely what we all love.


The Taj Mahal: One of the Seven Wonders of the World, a monument to love in marble. It is the world's envy and India's pride.


Shikaras: The shikaras on the Dal Lake is the most picturesque sceneries on the globe. The shikaras of Kashmir make the ultimate photo option for the honeymooning couples.


The Golden Temple: It is the simmering temple on the pond, where the Sikhs and the faithful assemble for instant solace and calm. The depiction of the gurbani would move one to tears. A lesson in humility as well - where all are equal and all are welcome. A model for what a place of worship should be like.


Spirituality: India is known for its spiritual practices. Ours is a country that has strong believers and spiritual practitioners; a country that preaches spirituality and karma.


Cricketers: It is a known fact that Indians love cricket, but the crazy fan following of these Indian cricketers is what is rather amusing. Every Indian will definitely have his / her favorite cricket star for sure.


Auto Rickshaws: The three wheeler- auto rickshaw is one of the most important means of transport to us Indians. Most of us would often have gotten into a tiff with one of them for over pricing us and ripping us of our money, but then again we can’t do without them.


Unity: Our country may have seen the most unpleasant of wars but when it comes to the country as a whole, all people come together as ‘Indians’ putting aside their religion tag and demonstrate what unity truly means.


Kindness: Kindness is a quality of being one can experience in India. There is a kindness and warmth among the people that make Indians different.


Villages: How can the picture of India be complete without the villages? The beautiful, quiet and calm villages are far from the noisiness found in cities. It is a life of farmers who work hard and teach the world the lesson of being content.


Weather: India has one of the best climatic conditions, with all the regions experiencing the various seasons. Be it Cherapunji’s highest rainfall or Kashmir’s snow or Delhi’s extreme weather.


Beauty and Serenity: India is a destination that has a beauty to be admired, with cities and monuments that are worth a visit. A contrast of the chaotic streets and a serenity that makes you fall in love with the place.


Rajasthan: Abundant with sand, palaces and camels. It is a state with a huge cultural heritage.


Filmy gossip: How would our day go by without our daily dose of filmy gossip! Who’s seeing who? Is Shahid Kapoor still single? Are John-Bipasha over? Questions, questions and more questions and we desperately await answers!


Bollywood 'Ishtyle': The Jhatakas and matkas- you name it and Bollywood's got the style! B-town has all the ingredients that take it to the pinnacle of glam and glitz.




Wednesday, January 25, 2012

What is a basis point (BPS)?

basis point is a unit of measure used in finance to describe the percentage change in the value or rate of a financial instrument. One basis point is equivalent to 0.01% (1/100th of a percent) or 0.0001 in decimal form. In most cases, it refers to changes in interest rates and bond yields. In the bond market, a basis point is used to refer to the yield that a bond pays to the investor. For example, if a bond yield moves from 7.45% to 7.65%, it is said to have risen 20 basis points.The usage of the basis point measure is primarily used in respect to yields and interest rates, but it may also be used to refer to the percentage change in the value of an asset such as a stock. It may be heard that a stock index moved up 134 basis points in the day's trading. This represents a 1.34% increase in the value of the index. 
                                               
 
  The easiest way to convert basis points into a percent form is by simply taking the amount of basis points and multiply by 0.0001 which will give the percent in decimal form. So if you have to convert 384 basis points into a percent, simply multiply 384 by 0.0001. This will give you 0.0384 which is 3.84% (0.0384 x 100).


The Right to Lead

What Gives a Man or Woman the Right to Lead?

It certainly isn't gained by election or appointment. Having position, title, rank or degrees doesn't qualify anyone to lead other people. And the ability doesn't come automatically from age or experience, either.

No, it would be accurate to say that no one can be given the right to lead. The right to lead can only be earned. And that takes time.

The Kind of Leader Others Want to Follow

The key to becoming an effective leader is not to focus on making other people follow, but on making yourself the kind of person they want to follow. You must become someone others can trust to take them where they want to go.

As you prepare yourself to become a better leader, use the following guidelines to help you grow:

1. Let go of your ego.

The truly great leaders are not in leadership for personal gain. They lead in order to serve other people. Perhaps that is why Lawrence D. Bell remarked, "Show me a man who cannot bother to do little things, and I'll show you a man who cannot be trusted to do big things."

2. Become a good follower first.

Rare is the effective leader who didn't learn to become a good follower first. That is why a leadership institution such as the United States Military Academy teaches its officers to become effective followers first—and why West Point has produced more leaders than the Harvard Business School.

3. Build positive relationships.

Leadership is influence, nothing more, nothing less. That means it is by nature relational. Today's generation of leaders seem particularly aware of this because title and position mean so little to them. They know intuitively that people go along with people they get along with.

4. Work with excellence.

No one respects and follows mediocrity. Leaders who earn the right to lead give their all to what they do. They bring into play not only their skills and talents, but also great passion and hard work. They perform on the highest level of which they are capable.

5. Rely on discipline, not emotion.

Leadership is often easy during the good times. It's when everything seems to be against you—when you're out of energy, and you don't want to lead—that you earn your place as a leader. During every season of life, leaders face crucial moments when they must choose between gearing up or giving up. To make it through those times, rely on the rock of discipline, not the shifting sand of emotion.

6. Make added value your goal.

When you look at the leaders whose names are revered long after they have finished leading, you find that they were men and women who helped people to live better lives and reach their potential. That is the highest calling of leadership—and its highest value.

7. Give your power away.

One of the ironies of leadership is that you become a better leader by sharing whatever power you have, not by saving it all for yourself. You're meant to be a river, not a reservoir. If you use your power to empower others, your leadership will extend far beyond your grasp.

Tuesday, January 24, 2012

What is Banking?

Banking, conventionally, is defined as the acceptance of deposits of money from the public for the purpose of lending or investment. These deposits are repayable on demand or otherwise and withdraw able by cheque, draft, order or otherwise. Deposits are accepted from individuals as well as from firms. In sum, the nature of banking business can be summarised in two words, i.e., ‘financial inter mediation’, which needs to be carried out efficiently (both operational and allocations) for stimulating the real sectors of the economy. Another essential characteristic of Banks is that they are highly leveraged and, hence, special and need to be regulated for protecting the interest of depositors. As banks are institutions with legal backing and as there is a banking regulator to oversee their financial solvency and soundness, it enables the banks to earn the trust and confidence of the public.

Infrastructure Bonds for investment under 80CCF


Given below are the ongoing infrastructure bonds for claiming deduction U/s 80CCF of the Income Tax Act:
 
CompanyClosure DateLock In Period10 Years15 years
IFCI08.02.20125 years9.09%9.16%
REC10.02.20125 years8.95%9.15%
PFS29.02.20125 years8.93%9.15%
IDFC25.02.20125 years8.70%NA
L&T11.02.20125 years8.70%NA
SREI31.01.20125 years8.90%9.15%