ANANDRATHI

ANANDRATHISHARES AND STOCK BROCKERSByTHEJASWI.S.MNITHIN.V.KOTIANRASHMI.NSOWMYA.B.SRAJINI.K.VAMALA TEJA TIPTUR

ANANDRATHI

AnandRathi is a leading full service investment bank founded in 1994 offering a wide range of financial services and wealth management solutions to institutions, corporations, highnet worth individuals and families. The firm has rapidly expanded its footprint to over 350 locations across India with international presence in Hong Kong,Dubai & London. Founded by Mr. Anand Rathi and Mr. Pradeep Gupta, the group today employs over 2,500 professionals through out India and its international offices.In year 2007 Citigroup Venture Capital International joined the group as a financial partner.

PHILOSOPHYWealth Management needs to be far more holistic than just investment advisory

We believe that separation of advisory from product manufacturing is critical to offering a conflict-free and truly objective advice to our clients. We therefore offer only third-party products and do not manufacture any in-house products. As an extension to this philosophy, we do not hold any proprietary stake in the markets

Anand Rathi,Founder & Chairman

Prior to establishing his own company, Mr. Rathi headed Indian Rayon & Industries, as Senior President. He has held a series of responsible positions with the Birla group and was also instrumental in setting up of Birla Global Finance. In his 40 years of being in the corporate world, Mr. Rathi has held several key positions on various regulatory and professional boards, including, President, Bombay Stock Exchange (BSE), and Member, Central Council of Institute of Chartered Accountants (ICAI). As President of BSE, Mr. Rathi played a key role in the expansion plan of BOLT, the online trading system of the Exchange and setting up of the Trade Guarantee Fund. He was the moving force behind setting up of the Central Depository Services (India) Ltd.He is a gold medalist Chartered Accountant.

Pradeep Gupta ,Co-founder & Vice chairman

With over twenty years experience in the securities market. Cofounder and key driver of the Retail and Institutional Equities business of the group.

Amit Rathi ,Managing Director

A rank holder Chartered Accountant and an MBA from Leonard N. Stern School of Business, New York University joined the group in 1998. He was instrumental in establishing the groups private wealth management and investment banking businesses. Calling him a financial guru, the Times of India group, listed Amit in 2008 amongst the top 51 young Marwaris in India (under the age of 40).

Dr. S A Dave,Director

Former Chairman Securities & Exchange Board of India (SEBI) and Deputy Director of the RBI. Former Chairman Unit Trust of India (UTI). Member of General Committees of Government of India & Financial Reforms and Chairman CMIE 1998 till date. And a M. A. (USA) with Ph D in Economics.

C D Arha ,Director

Formerly Secretary in the Union Ministry of Mines. Special Secretary & Additional Secretary in The Ministry of Coal. Resident Chief Information Commissioner AP (Right to Information Act). Commissioner Civil Supplies (AP). Chairman & MD, APSEC. With a M .A. (History) and diploma Management & Administration of Rural Development.

Rahul Yadav ,Director

Rahul Yadav joined Citibank Venture Capital International (CVCI) in 2005 and is a Managing Director with the India team. Rahul has 22 years of experience in Investment & Corporate banking. He has spent over 12 years with Citibank. Prior to this assignment he has worked with Merrill Lynch as Senior Vice President , Middle East & India , Deutsche Morgan Grenfell in India as Director & India Head Structured Finance, and Prudential in New York in Corporate Finance. He is a post-graduate from the University of Oxford, England where he studied on Rhodes Scholarship and a B.A degree from St. Stephens College, Delhi.

Client TestimonyWe have been ranked Best Overall Private Bank in India by Asiamoney in their 2012 polls. We have also been ranked four times in a row as the #1 Private Bank Domestic for (2009,2010, 2011 & 2012) conducted by Asiamoney publication. Asiamoney Polls is a unique survey run by Asia's regional financial publication that surveys the end-user i.e. our clients. It is the leading and definitive industry survey in the region. We believe that this honor would not have come our way without the goodwill, support and patronage of our clients and the trust they placed in us and our advisory.

Client-centric EthosOur belief is that there is a spark in every person that distinguishes him as an individual, and defines his aspirations and goals. A Wealth Management solution for every individual is therefore unique.

You deserve a customized solution for managing your wealth that is specific to your needs and not a generic template based offering.

PRODUCTS AND SERVICES

Products Equities Bonds Mutual Funds Derivatives Managed Investment Services / PMS Commodities FX Trading Life Insurance General Insurance Alternative Assets - Private Equity Funds - Structured Products - Real Estate Oppurtunities Fund Special Situation Oppurtunities Offshore Structures & Global InvestmentsServices Creation of a customized financial strategy Diversification of assets based on a formal process of asset allocation Active tracking, monitoring and review of portfolios Creation of private trusts Tax planning Estate planning Structuring of family wealth

Understanding Life Insurance :

Life is unpredictable. One never has a clue as to what lies in future but there is a way to secure your future against uncertainties of life. Life insurance can make it safe by protecting you & your loved ones from such uncertainties.Life insurance covers risks associated with life of the policy holder and ensures financial protection to the family after an unfortunate demise. Investing in Life Insurance not only provides you cover from uncertainties of life but also helps to create a source of savings and provides Tax Benefits.

Products :

1.Endowment Plans- Guaranteed benefits equal to face amount at a fixed date.

2.Money back policies- Provide for periodic payments of partial survival benefits during the term of the policy along with life cover.

3.Term Assurances Financial Protection for your family (with a low premium outflow).

4.Unit Linked Life Insurance Policies (ULIP)- Gives a smart combination of wealth accumulation & financial protection for your family.

Value Adds :

1. Pre sales and after sales service to customers

2. Policy Renewal reminders

3. Structure product and design covers that meet the specific requirements of customers

4. Recommend risk improvement and loss minimization measures

5. Provide collection of Premiums

6. Provide risk management and insurance education.

General insuranceUnderstanding General Insurance :

We all have some worries about our future; either about our loved ones, our prized & cherished possessions, our security while we are on the move. There seems to be no way to secure them other than General Insurance which comes as a great relief to secure all that and give you peace of mind when everything is secured against loss.

Products :

1. Home Insurance

2. Health Insurance

3. Travel Insurance

4. Motor Insurance

Value Adds :

1. Pre sales and after sales service to customers

2. Structure product and design covers that meet the specific requirements of customers

3. Recommend risk improvement and loss minimization measures

4. Provide collection of Premiums

5. Provide risk management and insurance education.

Different insurances available

Kotak life insurance Max bupa health insurance Birla sun life insurance Bajaj Allianz life insurance

Mutual funds

Advantages in anandrathi

1. Strong AUM base Anand Rathi Financial Services is one of India's top mutual fund distribution houses having Assets Under Management (AUM) of Rs.4, 000 crores.2. Wide Branch Network- Anand Rathi Financial Services has over 250 branches spread across India.3. Diversified Product offerings- Anand Rathi Financial Services offers the products of all leading Mutual Fund Houses.4. Research backed advisory support- Our philosophy is to provide consistently superior, independent and unbiased advice to our clients backed by in-depth research.5. Superior Service- Our employees are well trained and better equipped to take care of your investments. Our sales staff functions on the motto "the best services for our esteemed clients".DiscloserAs per SEBI circular: SEBI/IMD/CIR No. 4/ 168230/09, following are the details of the comparative commission earned by Anand Rathi Financial Services Ltd. (ARFSL) from various Asset Management Companies (AMCs), whose products are being distributed:

SCHEMES (MUTUAL FUNDS)BROKERAGE(IN %)

UPFRONT

TRAIL

1ST YEAR2ND YEAR ONWARDS

Diversified Equity & Balanced0 - 1.000 - 0.750 - 0.75

Index0 - 0.500 - 0.500 - 0.50

Arbitrage0 - 0.500 - 0.400 - 0.40

ELSS / Tax0 - 3.0000

Monthly Income0 - 1.000 - 0.750 - 0.75

Gilt0 - 0.750 - 0.500 - 0.50

Income0 - 0.750 - 0.250 - 0.50

Short term / Liquid0 - 0.650 - 0.500 - 0.50

Ultra Short term / Liquid / Liquid plus0 - 0.050 - 0.250 - 0.25

MILESTONES1994:Started activities in consulting and Institutional equity sales with staff of 15

1995:Set up a research desk and empanelled with major institutional investors

1997:Introduced investment banking businessesRetail brokerage services launched

1999:Lead managed first IPO and executed first M & A deal

2001:Initiated Wealth Management Services

2002:Retail business expansion recommences with ownership model

2003:Wealth Management assets cross Rs1500 croresRetail Branch network exceeds 50Insurance broking launchedLaunch of Wealth Management services in Dubai

2004:Retail Branch network expands across 100 locations within IndiaCommodities brokerage and real estate services introducedWealth Management assets cross Rs3000croresInstitutional equities business relaunched and senior research team put in place

2005:Retail Branch network expands across 130 locations within IndiaReal Estate Private Equity Fund Launched

2006:AnandRathi Middle East, WOS acquires membership of Dubai Gold & Commodity Exchange (DGCX)Ranked amongst South Asia's top 5 wealth managers for the ultra-rich by Asia Money 2006 pollRanked 6th in FY2006 for All India Broker Performance in equity distribution in the High Networth Individuals (HNI) CategoryRanked 9th in the Retail Category having more than 5% market shareCompletes its presence in all States across the country with offices at 300+ locations within India

2007:Citigroup Venture Capital International picks up 19.9% equity stakeRetail customer base crosses 100 thousandEstablishes presence in over 350 locations

Employment hierarchy followed in ANANDRATHI Regional head Cluster head Branch manager Senior dealers Dealers

TRADING WEBSITESTRADETIMINGSTRADE IN

NSC9:30a.m 3:30p.m

EQUITY

BSC

MCX10a.m 11:30p.mGOLD, SILVER, COPPER, NATURAL GAS, CRUDE OIL ETC

NCDX

Commoditymargin1 lot

Gold120000100kg

Gold mini1900010gm

Silver10000030kg

Silver mini290005kg

Silver micro59001kg

Copper big220001000kg

Copper mini3000250kg

Natural gas24600

Crude oil

Zinc

Lead

AnandRathi is a leading investment bank focused on the mid-market in India. AnandRathi prides itself in its domain expertise in the sectors that it covers, which is a unique proposition in India. AnandRathis team of nearly 30 bankers come from industry with domain knowledge and have executed transactions successfully in the past.

AnandRathi Institutional sales team is one of the most experienced, with 9 country dedicated sales people having on an average India market experience in excess of 10 years.

The cash sales trading and dealing team are experienced in handling large, complex institutional transactions for both FIIs and domestic institutions. The 15 member derivatives team is capable of structuring and handling large transactions in index/stock and F&O.

Vishal Laddha,Head, Equities Trading Over 17 years of experience in trading Has been with AnandRathi since inception Chartered Accountant

Lumpsum Investment :

1.Long term investment horizon- The Lumpsum option is best suited for investors with a medium to long term investment appetite & can withstand the periodic volatility.

2.Value picking- Lumpsum investments are apt for investors who wish to pick up funds investing in specific sectors or stocks.

Systematic Investment Plan (SIP) - Advantages :

1.Volatility of market- Indian markets remain at their volatile best at most times. Timing investments in this market is difficult. SIP helps you tide over lows and ride the highs of the stock market.

2.Rupee Cost Averaging Advantage- When you invest the same amount in a fund at regular intervals over time, you buy more units when the price is lower. Thus, you may reduce your average cost per share over time.

3.Benefits of compounding- Saving a small sum of money regularly makes money work with greater power of compounding with significant impact on wealth accumulation.

4.Disciplined & Regular Investing- SIP requires the investor to allocate a specific amount regularly over a period of time. This develops a habit of regular savings through market ups and downs, so that your investment behavior is not affected by short term market moves.

5.Small Amounts of Investments- One can start a SIP with lesser amounts when compared with other market linked products. Thus investors need not wait till they have accumulated a large capital to begin investing.

Management Team

AnandRathi brings together a highly professional core management team that comprises of individuals with extensive business as well as industry experience.

Our senior Management comprises a diverse talent pool that brings together rich experience from across industry as well as financial services.

Mr. Anand Rathi - Group ChairmanChartered AccountantPast President, BSEHeld several Senior Management positions with one of India's largest industrial groups

Mr. Pradeep Gupta - Vice ChairmanPlus 15 years of experience in Financial Services

Mr. Amit Rathi - Managing DirectorChartered Accountant & MBAPlus 11 years of experience in Financial Services

The research expertise is at the core of the value proposition that we offer to our clients. Research teams across the firm continuously track various markets and products. The aim is however common - to go far deeper than others, to deliver incisive insights and ideas and be accountable for results. AnandRathi research processes incorporate quantitative areas well as qualitative analyses. This multi-pronged approach helps us to provide superior risk- adjusted returns for our clients.

AnandRathi analysts provide objective and decisive research that is designed to enable clients to make informed investment decisions.

The team covers entire spectrum of financial markets from equities, fixed income, and commodities to currencies. They also cover the global markets, to give clients an unparalleled macro-view of the investment opportunities across the globe. A 25 member research team, comprising 15 analysts (including sector specialists, macro economist, strategist) and 10 associates. Analysts profile Senior, well regarded analysts from leading global/domestic firms have joined AnandRathis research team over the past 12 months. Most analysts have over 10 years of industry experience. The fundamental research team covers ~100 stocks and tracks a further 150. The overriding emphasis is on investment idea generation. A specialist technical and derivatives research team. A well-resourced team to enable custom research work for key clients and have stock coverage across large and mid caps

KUBER

The Advanced Portfolio Tracker through our web site is available only for Registered Account holders of AnandRathi

The Portfolio Tracker is an intuitive and easy to use tool which helps you keep track of your investments in Equities, Mutual Funds, Fixed Deposits, Gold, Cash Balances. The portfolio is valued on a real-time basis.

You can also track your trading positions in Futures & Options, Commodties and Currency.

It gives you a 360-degree view about how your investments are performing. Its unmatched features, reports and tools will help you in your investment decisions.

Features of KubeR

1 Family or Individual Account level access

You could login as head of Family and enjoy multiple viewing options with graphical view of your portfolio. Viewing options include Asset allocation across family portfolios and family account wise holdings.

2 Auto Updation

Transactions done through AnandRathi in any segment / exchange are updated automatically at the end of the day in the Portfolio. We also auto update any corporate benefits accruing on your investments to give you a truly Automated experiencea. Investments and trading positions tracking with the latest price updates from the exchange getting a real time view of unrealized gain/ loss during the day.b. Research Updates on your holdings as per calls given by our advisory team, on a real-time basis

3 Manual Entries

You can add/ edit and delete transactions across all financial products to correct or build an accurate, single view of Net Worth.

4 Tracking of Investments, Trading Positions, Borrowings and Insurance

Track your investments across asset classes as be able to determine how each of them are performing as the markets move.

5 Multiple Viewing Options

You could view investments through multiple lenses, aiding your investment decisions by using our viewing filter options.

6 Transaction History

Access transaction level information of your investments and trading positions across date range, with facility to edit / delete records, giving you the controls to your Portfolio Tracker KubeR.

7 Gains & Losses reporting

Determine which investments have given what returns, segregated on Realized / Unrealized. Added feature of booked gains & losses bifurcated into Long Term & Short Term make handy inputs for filing your Tax returns

8 Reporting Tools

Reports are avaiable in pdf/ excel and can also be e-mailed upon request. The portfolio tracker also has graphical tools to aid you in managing your investements.

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