SINGHLAND INVETMENTS LIMITED RBI License No: A.06.00227(NBFC)

H.O. : 208, 2nd Floor, Syall Complex, Above HDFC Bank, Gill Road, Ludhiana - 141 003

SINGHLAND

w w w. s i n g h l a n d . i n

H . O. : 2 0 8 , 2 n d F l o o r, S y a l l C o m p l e x , A b o v e H D F C B a n k , G i l l R o a d , L u d h i a n a - 1 4 1 0 0 3

SINGHLANDGroup of Companies

1 . S I N G H L A N D I n v e s t m e n t s L i m i t e d

2 . S I N G H L A N D R e a l E s t a t e & I n f r a t e k L i m i t e d

3 . S L I M f g . & S a l e s C o r p .

4 . S L I F I N M A RT

5 . S I N G H L A N D D a i r y Fa r m s

V I S I O NChairman Message : The pace of transformations in the global economy and unprecedented economic and technological challenges encountered by the business world has given rise to great opportunities for evolving of newer methodologies and innovative goals of knowledge-sharing in the field of management. With companies’ growing awareness of emerging opportunities as well as a potential competitive threat, they are increasingly looking for management experts, who with their foresighted fresh insights and innovative ideas can develop strategies for sustainable growth.

We are keen to attract and retain the best people/ caliber, build brand value and deepen relationships with partners, customers and shareholders. Our mission is to deliver high-quality, cost-effective projects on schedule by employing and supporting motivated, flexible, and focused teams. We value the importance of our relationships and will continue to remain fair and true in our dealings with all employees, customers, vendors, and partners. We are very proud of our achievements and accomplishment till date and we are planning for ambitious targets to achieve in the near future.

M i s s i o nOur Mission is set for Bank license in the coming Years. We have set Plan to expand our Branch Strength pan India. Value our Customer and Employees are our prime Target.

SINGHLAND Investments Limited is registered under MCA since 1974

SINGHLAND Investments Limited is Licensed from RBI to accept Public Deposits

SINGHLAND Investments Limited – RBI License No: A.06.00227

SINGHLAND Investments Limited overtake BABA FINANCE ( NBFC) in 2005

Prior company deals in finance

The company is 42 years old

Banking Business ( NBFC ) has successfully completed 11 years

SINGHLAND Investments Limited has its reach in Punjab, Himachal, Haryana, MP, UP

SINGHLAND Investments Limited deals in Banking Business ( NBFC ), Term Deposit, Auto

Finance , Personal Loan

C o m p a n y S t a n d i n g s

SINGHLAND Legal Docs

What i s NBFC ?

Class ifi cat ion of NBFCs

Asset Finance Company• E q u i p m e n t Le a s i n g

• H i re Pu rc h a s e Fi n a n c e

Investments Company

Loan Company

Core Investments Companies

Infrastructure Finance Companies

Factor

Micro Finance Institutions

Infrastructure Debt Funds

Mainly there are following types of NBFCs

Ministry of Finance NBFIs

Regulated by RBI

1. AFC

s2.

LCs3. Ics4. IFCs5.

CICs6.

IDF-NBF

C7.

NBFC-

MFIs8.

Factorin

g9.

MGCs10. RNBCs

Regulated by

NHB

Housing Finance Companies

Regulated by

SEBI

1. Merchant

Banking

Companies2.

Venture Capital Fund

Companies3.

Stock Broking4.

Collective Investments Schemes

Regulated by

MCA

1. Nidhi Companies2.

Mutual Benefit Companies

Regulated by

State

Govt.Chit

Fund

Companies

Regulated by IRDA

Insurance Companies

Types of Entities other than NBFIs

Unincorporated Bodies(UIBs)

Enforced by State Government

Limited LiabilitiesPartnership Firms

(LLPs)

Regulation, Supervision &

Enforcement by MCA

Co-operative Societies

Regulation & supervision by egistrar of Co-op Soc. (RCS)

Credit Co-operativesOperation Confined to Members Only

Regulated & Supervised by RCS

Primary (Urban) Co-operative BanksRegulated & Supervision of banking related activities by RBIGovernance, management, audit, staff matters, registration,

liquidation etc. With RCS

State & District Co-op. BanksRegulated & of banking related activities by RBI

Supervision by NABARDGovernance, management, audit, staff matters, registration, liquidation

etc. With RCS

Multi State Co-operative Societies

Regulation & supervision by Central Registrar of Co-op Soc. (CRCS)

Credit Co-operativesOperation Confined to Members Only

Regulated & Supervised by CRCSGovernance, management, audit, staff matters,

registration, liquidation etc. With CRCS

Primary (Urban) Co-operative BanksRegulated & Supervision of banking related activities by RBIGovernance, management, audit, staff matters, registration,

liquidation etc. With RCS

R B I G u i d e l i n e s f o r N B F C 1. In terms of Section 45-IA of the RBI Act, 1934, no Non-banking Financial company can commence or carry on

business of a non-banking financial institution without a) obtaining a certificate of registration .2. All NBFCs are not entitled to accept public deposits. Only those NBFCs to which the Bank had given a specific

authorization are allowed to accept/hold public deposits.3. NBFC maintaining required minimum NOF,/Capital to Risk Assets Ratio (CRAR)4. The NBFCs are allowed to accept/renew public deposits for a minimum period of 12 months and maximum period

of 60 months. They cannot accept deposits repayable on demand.5. NBFCs cannot offer interest rates higher than the ceiling rate prescribed by RBI from time to time. The present

ceiling is 12.5 % / P.A.

“ AFC* maintaining CRAR of 15% without credit rating ”

Name of Rating Agencies Nomenclature of minimum investment grade credit rating

CRISIL FA- (FA MINUS)

ICRA MA- (MA MINUS)

CARE CARE BBB (FD)

FITCH Ratings India Pvt. Ltd. tA-(ind)(FD)

Brickwork Ratings India Pvt. Ltd. BWR FA (FD)

“ Both are Financial Intermediaries ”

Banks Can

Maintain Demand Deposits (savings/current Accounts)

Form a Part of Payment and Settlement Mechanism

NBFCs Can

Accept only term Deposits

Does not form Part of Payment and Settlement Mechanism

58 42 Chandigarh Nawanshahr Finance Ltd. Chowk Shastri Market, Jalandhar City, , , 144001

59 43 Chandigarh Novelty Finance Ltd Near Bhagat Singh Chowk, Patiala Road, Patran, Distt.-Patiala, 147105

60 44 Chandigarh P. H. F. Finance Ltd 923, G.T. Road, Urban Estate, Jalandhar , 144001

61 45 Chandigarh P. H. F. Leasing Ltd 923 G T Road, , , Jalandhar, 144001

62 46 Chandigarh P. K. F. Finance Ltd. Balbir Tower, G.T. Road, PKF Namdev Chowk, Jalandhar, 144001

63 47 Chandigarh P.H.F Hire Purchase Ltd 923, G.T. Road, Jalandhar City, -, Jalandhar,

64 48 Chandigarh P.H.F. Investments Ltd 923, G T Road, Jalandhar, Jalandhar, 144001

65 49 Chandigarh Paramvir Leasing & Finance Ltd. 36-Gobind Niwas, G. T. Road,, Jalandhar, -, -, 144001

66 50 Chandigarh Punjab Kashmir Finance Ltd Balbir Tower, G.T. Road, PKF Namdev Chowk, Jalandhar, 144001

67 51 Chandigarh Ramir Finance & Leasing Co. Ltd. 11-Guru Nanak Market, ?Opposite Lic Offi ce, Shashtri Nagar, Batala, Distt. Gurdaspur, 143505

68 52 Chandigarh S. C. F. Finance Ltd 228, 1St Floor, Janakpuri Chowk, Link Road, Industrial Area-A, Ludhiana, 141003

69 53 Chandigarh Sagar Deposits And Advances Ltd Scf 272, 2Nd Floor, Motor Mrket, Manimajra Chandigarh, 160101

70 54 Chandigarh Sagar Motor Finance Ltd Plot No 1 New Gopal Nagar , Near H M V Chowk , -, Jalandhar, 144008

71 55 Chandigarh Samra Finance & Properties Ltd Gobind Niwas, 36- G. T. Road, Jalandhar City, Jalandhar, 144 001

72 56 Chandigarh Samra Leasing Ltd. Gobind Niwas, 36, G.T. Road, -, Jalandhar, 144001

73 57 Chandigarh Sea Lord Hire Purchase Ltd Near Radha Soami Satsang Ghar, Roshan Road, , Model Town, Roshan Road, Hoshiarpur, 146001

74 58 Chandigarh Sheikh Farid Finvest Ltd B-X/1283. Faridkot Road, Kotkapura, Dist--Faridkot, Faridkot, 151204

75 59 Chandigarh Shine Blue Hire Purchase Ltd 22-B , Guru Nagar, Model Town, Jalandhar, 144001

76 60 Chandigarh Singhland Investment Ltd.Formerly Known As Baba Finance Ltd 208, Syal Complex, Gill Road, Millerganj, Ludhiana, 141001

77 61 Chandigarh Skylark Deposits & Advances Ltd. 33 Near Improvement Trust offi ce, Lal Bahadur Shastri Complex, Ferozepur Road, Moga, 142001

78 62 Chandigarh Skylark Motor & General Finance Ltd Near S D M Court, G T Road, -, Moga, 142001

79 63 Chandigarh Sukh Chain Finance Co. Ltd Building 284, First Floor, Hospital Road, , Lashkar, Gwalior, 474001

80 64 Chandigarh Sukh-Bans Finance Co Ltd 9-B S D College Road , Bhai Sohan Singh Market, -, Jalandhar, 144001

81 65 Chandigarh DPGC Finance Ltd. (Formerly known as Swami Hire Purchase Ltd.) NN 4, , Patel Chowk, -, Jalandhar, 144008

82 66 Chandigarh Swarn Finance Ltd. 324, Iind Floor, Sangam Complex, Milap Chowk, Jalandhar,

83 67 Chandigarh Thakar Investments Ltd Opp Mini Secretariat, Hamirpur, H.P., Hamirpur, 177001

84 68 Chandigarh The Jullundhar Hire Purchase Ltd. # 769 , Mota Singh Nagar Market, -, Jalandhar, 144001

85 69 Chandigarh Virk Hire Purchase Ltd 88 Kapurthala Road , -, -, Jalandhar, 144001

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RBI NBFC L IST

Paper News

Product

s

Deposit Amount

M A T U R I T Y 1 Year 2 Year

3 Year & 6 Months

5 Year

₹ 5,000 ₹ 5,600 ₹ 6,285 ₹ 7,500 ₹ 9,050

₹ 10,000 ₹ 11,200 ₹ 12,570 ₹ 15,000 ₹ 18,100

₹ 50,000 ₹ 56,000 ₹ 62,850 ₹ 75,000 ₹ 90,500

₹ 100,000 ₹ 112,000 ₹ 125,700 ₹ 150,000 ₹ 181,000

₹ 500,000 ₹ 560,000 ₹ 628,500 ₹ 750,000 ₹ 905,000

₹ 1,000,000 ₹ 1,120,000 ₹ 1,257,000 ₹ 1,500,000 ₹ 1,810,000

₹ 2,500,000 ₹ 2,800,000 ₹ 3,142,499 ₹ 3,750,000 ₹ 4,525,000

₹ 5,000,000 ₹ 5,600,000 ₹ 6,284,998 ₹ 7,500,000 ₹ 9,050,000

₹ 10,000,000 ₹ 11,200,000 ₹ 12,569,995 ₹ 15,000,000 ₹ 18,100,000

Fi xe d D e p o s i t

Deposit Amount

For 3 Years For 5 Years Monthly Income Maturity Amount Monthly Income Maturity Amount

₹ 50,000 ₹ 450 ₹ 50,000 ₹ 500 ₹ 50,000

₹ 100,000 ₹ 900 ₹ 100,000 ₹ 1,000 ₹ 100,000

₹ 500,000 ₹ 4,500 ₹ 500,000 ₹ 5,000 ₹ 500,000

₹ 1,000,000 ₹ 9,000 ₹ 1,000,000 ₹ 10,000 ₹ 1,000,000

₹ 5,000,000 ₹ 45,000 ₹ 5,000,000 ₹ 50,000 ₹ 5,000,000

₹ 10,000,000 ₹ 90,000 ₹ 10,000,000 ₹ 100,000 ₹

10,000,000

Monthly Investments Scheme

Smart Plans Pa y f o r 3 Ye a r s M a t u r i t y a f t e r 5

Ye a r s

YEARLY INSTALLMENT TOTAL Investments MATURITY AFTER 5 YEARS

₹ 10,000 ₹ 30,000 ₹ 46,500

₹ 20,000 ₹ 60,000 ₹ 93,000

₹ 30,000 ₹ 90,000 ₹ 1,39,500

₹ 40,000 ₹ 1,20,000 ₹ 1,86,000

₹ 50,000 ₹ 1,50,000 ₹ 2,32,500

₹ 1,00,000 ₹ 3,00,000 ₹ 4,65,000

R D P l a n s ( 5Years ) Deposit Amount

I N S TA L L M E N T S M AT U R I T Y

Yearly 5

Half- Y 10

Quarterly 20

Monthly 60 Monthly Quarterly Half-Y Yearly

₹ 12,000 ₹ 2,400 ₹ 1,200 ₹ 600 ₹ 200 ₹ 16,200 ₹ 16,443 ₹ 16,605 ₹ 17,010

₹ 18,000 ₹ 3,600 ₹ 1,800 ₹ 900 ₹ 300 ₹ 24,300 ₹ 24,664 ₹ 24,907 ₹ 25,515

₹ 24,000 ₹ 4,800 ₹ 2,400 ₹ 1,200 ₹ 400 ₹ 32,400 ₹ 32,886 ₹ 33,210 ₹ 34,020

₹ 30,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 40,500 ₹ 41,107 ₹ 41,512 ₹ 42,525

₹ 60,000 ₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 81,000 ₹ 82,215 ₹ 83,025 ₹ 85,050

₹ 120,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 162,000 ₹164,430 ₹ 166,050 ₹ 170,100

₹ 180,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 243,000 ₹ 246,645 ₹ 249,075 ₹ 255,150

₹ 240,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹ 324,000 ₹ 328,860 ₹ 332,100 ₹ 340,200

₹ 300,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000   ₹ 405,000 ₹ 411,075 ₹ 415,125 ₹ 425,250

Deposit Amount

I N S TA L L M E N T S M AT U R I T Y

Yearly 5 Half-Yearly 10

Quarterly

20

Monthly 60

Monthly Quarterly Half-Yearly Yearly

₹ 12,000 ₹ 6,000 ₹ 3,000 ₹ 1,500 ₹ 500 ₹ 13,000 ₹13,195 ₹ 13,325 ₹ 13,650

₹ 24,000 ₹12,000 ₹ 6,000 ₹ 3,000 ₹ 1,000 ₹ 26,000 ₹ 26,390 ₹ 26,650 ₹ 27,300

₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 6,000 ₹ 2,000 ₹ 52,000 ₹ 52,780 ₹ 53,300 ₹ 54,600

₹ 72,000 ₹ 36,000 ₹ 18,000 ₹ 9,000 ₹ 3,000 ₹ 78,000 ₹ 79,170 ₹ 79,949 ₹ 81,900

₹ 96,000 ₹ 48,000 ₹ 24,000 ₹ 12,000 ₹ 4,000 ₹104,000

₹ 105,560 ₹106,599 ₹ 109,200

₹ 120,000 ₹ 60,000 ₹ 30,000 ₹ 15,000 ₹ 5,000  

₹130,000 ₹ 131,950 ₹133,250 ₹ 136,500

R D P l a n s ( 2 Years )

Deposit Per Month Invested Amount Maturity Amount

₹ 500 ₹ 6,000 ₹ 6,300

₹ 1000 ₹ 12,000 ₹ 12,600

₹ 2,000 ₹ 24,000 ₹ 25,200

₹ 3,000 ₹ 36,000 ₹ 37,800

₹ 4,000 ₹ 48,000 ₹ 50,400

₹ 5,000 ₹ 60,000 ₹ 63,000

₹ 10,000 ₹ 1,20,000 ₹ 1,26,000

R D P l a n s ( 1 Year )

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

Monthly Maturity

Monthly Add

Interest

Interest Rate

Monthly

Monthly

RD

1 2 3 4 5

12

00

0

12

00

0

12

00

0

12

00

0

12

00

0

12

%

12

%

12

%

12

%

12

%

14

24

30

17

47

98

67

91

90

21

12

00

0 25

42

4

40

44

0

57

23

9

76

03

0

13

42

4 28

44

0

45

23

9

64

03

0

85

05

1

Yearly RD

Comparison with other

Financial Tools

I n t e r e s tSimple C o m p o u n d Interest Annual Half-Yearly Quarterly Monthly

100000 100000 100000 100000 100000

12 % 12 % 12 % 12 % 12 %

= 12 % * 5 Yr=12%

( Yr %+term Annual)

=12% ( Yr %+term

H-Yearly)

=12% ( Yr %+term quarterly)

=12% ( Yr %+term

Monthly)

5 Years %1+2+3+4+5

Year %1+2+3+4+5

H-Yearly %1+2+3+4+5

Quarter %1+2+3+4+5 Monthly %

160000 176234 179085 180611 181000

I n te res t Compar i sonInstitution FD MIS RD Compound

Interest

Bank 8.25% 8.25% 8.25% Annual

Post Office 8.50% 8.50% 8.50% Annual

SINGHLAND

12 %

12 %

12 %

Monthly

Bank / Post

Office

SINGHLAND

FD

MIS

RD

7.20%

7.40%

7.60%

7.80%

8.00%

8.20%

8.40%

8.60%

FDMIS

RD

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

Matur i ty and In terest Compar ison

Institution FDMIS /

MonthRD 5 Years Compound

Interest

Bank 1,00,000 10,00,000 2,000 Annual

Maturity 1,07,500 6250 143000 8 %

Post Office 1,00,000 10,00,000 2,000 Annual

Maturity 1,08,500 7080 146000 8.25 %

SINGHLAND

1,00,000

1,00,000 2,000

Maturity 1,12,000 10,000 1,70,10

0

Monthly

12 %

Maturity ComparisonFD RD MIS

137500 143130

75000

142500 146230

80000

181000 170100

100000

Bank

Post Office

SINGHLAND

FD : 1,00,000 for 5 years

RD : 2000 for 60 Months

MIS : 1,00,00,000 for 60

Months

Guarante

e of C

api tal a

nd

Return

s

I n v e s t m e n t O p t i o n sProperty

Capital Risk Returns Time

Gaurantee

Gold

Capital Risk Returns Time

Gaurantee

Open Market

Capital Risk Returns Time

Gaurantee

C a p i t a l i s a l w a y s a t R i s k a n d N o G u a r a n t e e o f R e t u r n s i n P r o p e r t y, G o l d , O p e n M a r k e t

Share Market , Mutual Funds

0

20

40

60

80

100

120

140

Amount

Open

High

Low

Close

0

20

40

60

80

100

120

140

Amount

Open

High

Low

Close

Capi ta l is a lways at Risk and No Guarantee of Returns in Share Market and Mutual Funds

How to Invest ?M y

S a v i n g s

G u a r a n t e

e

SafeR i s k

Guarantee : Banks , Pos t Offi ce ,

NBFC Sa fe : PPF, EPF, I nsurance , Bonds ,

Debentures

R i sk : Share Market , Commodi t ies , Rea l Es ta te , Go ld , Open lend ing

A g e B e t w e e n

G u a r a n t e e S a f e R i s k

2 0 - 3 5 4 0 % 3 0 % 3 0 %

3 5 - 4 5 5 0 % 3 0 % 2 0 %

4 5 - 5 5 7 0 % 2 0 % 1 0 %

5 5 - 9 0 % 1 0 % 0 %

Saving Divers ifi cat ion as per Age

Special Maturity BenefitsThere is special Maturity Benefits for Senior Citizen, Army Persons and Girl Child below age 18

Army Persons

Girl Child Below Age 18

Senior Citizen0.70 % Extra Maturity

Benefit

0.60 % Extra Maturity Benefit

0.50 % Extra Maturity Benefit

Pre- Maturity

Pre- Maturity is only possible after half of th

e term passed of Term

Deposit

In Pre- Maturity Rate of Interest w

ill be given 5% Flat on Invested

Amount

Sale : SINGHLAND Representative define the Product

Specification.

Maturity : SINGHLAND deliver maturity as per Term Deposit Bond.

Bond : SINGHLAND issued Bond on the same day as per Payment

mode.

M a t u r i t y f r o m a n y S INGHL AND B r a n c h

Services

Mode of Payment

Cash Bond i ssued on the same day

Cheque / DD Bond issued on rea l izat ion

SINGHLANDBOND ISSUED COPY

Work

CultureW e a r e F a m i l y E m p l o y e e n o t W o r k E m p l o y e e

W e a r e f o c u s e d o n P e r s o n a l i t y Ta r g e t , M o n e t a r y Ta r g e t a n d Va l u e Ta r g e t

W e a r e H o m e L o c a t i o n n o t W o r k L o c a t i o n

W e a r e H i r e d a n d R e t i r e d P o l i c y

W e a r e Te a m B u i l d e r n o t Te a m B r e a k e r

W e a r e o ffi c e T i m i n g n o t S a l e T i m i n g

W e a r e Tr a n s p a r e n t G r o w t h P l a n n o t A r t i fi c i a l G r o w t h H i k e

Wishing You Better Career

contactsinghland@gmail .com