Advisory Services

We opt an unique software-based process that takes a holistic view of your life-long

Consulting Services

The Second AREA of business for the firm is focused on border domestic services

Other Investment Avenues

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Post Office Savings Scheme

Manufacturing Companies

Finance Companies

Government Companies

Bonds

Post Office Savings Scheme

Salient Features Of Small Savings Schemes

S.No	Name of the Scheme	Benefits	Limit of Investment		Maturity Period
			Minimum	Maximum
	POMIS
1	Post Office Monthly Income Scheme.	8 % 5% Bonus on maturity	Rs.1500/-	Single Account Rs.4.50 lakhs Joint Account Rs.9.00 lakhs	6 Years
	KVP
2	Kisan Vikas Patra	Double in 8 years 7 months, can be encased after 2 1/2 Years	Rs.100/-	No limit	8 Years 7 months (Pre-maturity closure after 2 1/2 Years) to be opened in any Post Office
	NSC
3	National Savings Certificate -VIII issue (NSC)	8 % Compound Interest I.T. Rebate U/S 80-C	Rs.100/-	No limit	6 Years ( Rs.100/- grows to Rs.160.10 on maturity) To be opened in any Post Office
	PPF
4	15 Years Public Provident Fund	8 % Compound Interest I.T. Rebate U/S 80-C	Rs.500/-	Rs.70000/- per annum	15 Years . To be opened on HPO or SBI or Nationalised Banks
	RECURRING DEPOSIT
5	5 Year Post Office Recurring Deposit (PORD)	Compound Interest Free insurance up to Rs.50/- Can be continued upto 10 Years	Rs.10/-	No limit	Rs. 100/ deposits per month will be Rs.728.90 at the end of 5 years.
	TIME DEPOSIT
6	Post Office Time Deposit (POTD) One Year TD Two Year TD Three Year TD Five Year TD	6.25 % 6.50 % 7.25 % 7.50 % (I.T. Rebate U/S 80-C	Rs.200/- Rs.200/- Rs.200/- Rs.200/-	No limit No limit No limit No limit	1 Year 2 Years 3 Years 5 Years
	Senior Citizen Savings Scheme
7	Senior Citizen Savings Scheme	9 % Interest Interest Payable quarterly Nomination facility available I.T. Rebate U/S 80-C	Rs.1000/-	Rs.15 Lakhs	5 Years Can be opened in any Post Office doing Savings Bank Work / Al Public Sector Banks operating PPF Scheme
	POST OFFICE SAVINGS ACCOUNT
8	Post Office Savings Account (POSA)	3.5 % Single / Joint Account 3 % Public Account 2 % Other Accounts	Rs.50/-	Single Account Rs.1 Lakh Joint Account Rs.2 Lakhs	Can be opened in any Post Office

Manufacturing Companies

S.NO	MANUFACTURING (COMPANY NAME) p.a	RATE OF INTEREST ( %)				REMARKS	MINIMUM INVESTMENT
	Period	6 M	12 M	24 M	36 M
1	Ansal Housing & Construction Ltd	11.00	12.00	12.00	12.50	No Additional Interest	10,000
2	Ansal properties & infrastructure ltd	Na	11.50	12.00	12.50	No additional interest , pan must	25,000
3	Tata motors ltd	Na	Na	8.00	8.75	0.25% add. To sr. Citizen, share holders (1 share) & employees,	20,000
4	Jaiprakash associates ltd	Na	11.00	11.50	12.00	0.50% add. to sr. citizen, share holders (100 shares) & employees	10,000
5	Ind swift ltd	10.50	11.50	12.00	12.50	0.50% add. to sr. citizen(55 yr), share holders (100 shares) & employees	10,000
6	Ind swift labs ltd	10.50	11.50	12.00	12.50	0.50% add. to sr. citizen(55 yr), share holders (100 shares) & employees	10,000
7	Delhi assam roadways corporation ltd	10.00	11.00	11.00	11.00	0.50% add.to share holders, employees, their parents, spouse & children	5,000
8	Surya roshni ltd	Na	11.00	11.50	12.00	Minimum amount 25,000/-	25,000
9	Talbros automotive components ltd	Na	11.00	11.50	12.00	Minimum amount 10,000/-
10	Jk tyre ltd	Na	10.00	10.25	10.25	Minimum amount 10,000/-
11	Mahindra & mahindra financial services ltd	Na	8.00	8.50	9.00	0.25% add to sr citizen	10,000
12	J k lakshmi cement ltd	Na	9.50	10.00	10.00		5,000
13	United spirits ltd (closed)	Na	11.00	11.50	Na	Minimum amount 25,000/-
14	Ceat ltd	Na	9.50	10.00	10.50	0.50% add. To share holders & employees,	25,000
15	Jsl ltd	Na	9.00	9.50	10.00	0.25% add. To sr. Citizen, share holders (500 share) & employees,	21,000
16	Pearl polymers ltd	Na	11.00	10.00	10.00		10,000
17	Jindal steel & power ltd	Na	8.00	8.25	8.50
18	Mukand ltd (only shareholders)	Na	9.50	10.00	11.00		25,000
19	Shriram pistons & rings ltd	8.00	11.00	11.25	11.50		21,000
20	Solaris chemtech industries ltd	Na	10.00	11.00	11.50		20,000
21	Jct ltd	Na	11.00	11.50	12.00		10,000
22	Gabriel india ltd	Na	9.00	9.50	10.00	0.50% add. to share holders & employees,	10,000
23	Elder pharmaceuticals ltd	7.00	8.50	10.00	11.50	0.50% add. to share holders, senior citizen & employees,	10,000
24	Ravalgaon sugar farm ltd	Na	Na	10.50	10.75		10,000
25	Unitech	11.00	11.00	11.50	12.00	0.50% add. to share holders(100 shares), sr. citizen, empl & property owners	10,000
26	Jagatjit industries ltd	Na	11.50	12.00	12.50
27	Cnbc tv 18 (only renewals after 1 aug2009)	9.00	12.00	12.00	12.00	0.50% add. to sr. citizen & employees	10,000
28	Alembic ltd	Na	8.00	9.50	10.00	0.25% add. if application amount > five lakhs	20,000

S.NO	NBFC (COMPANY NAME)	RATE OF INTEREST ( %)				REMARKS	MINIMUM INVESTMENT
	Period	12M	24 M	36 M	84 M
1	Pnb housing finance ltd (half yrly)	8.00	8.00	7.75	7.75	Pan card must, 0.50% extra for sen citizen	fixed 20000/- cumulative 10,000/-
2	Gruh finance ltd	7.00	7.25	7.50	7.75(60-84 M)	0.25% extra for senior citizen, & trusts
3	Dewan housing finance corporation ltd	10.05	10.10	10.25	10.00	0.25% extra for senior citizen,widow, armed personnel, existing dhfl home borrowers & dhfl share holders	10,000
	Period	12M	24 M	36 M	48 M
4	Icici home finance deposit < 1 cr.	7.00	7.50	8.00	8.40 (60-84M)	0.25% add to senior citizen	5,000
5	Shriram transport finance co ltd (monthly)	8.00	9.00	10.00	10.00
6	Exim bank	7.25	7.25	8.25	8.25(60M)q	0.50% add to senior citizen	10,000
7	Lic housing finance ltd (15.06.2009)	7.30	7.60	7.80	8.10 (60M)	0.25% add to sr citizen if app > rs.51000/- & 0.10% if app < rs. 50000	10,000
8	National housing bank (sunidhi)	7.75	7.75	8.00	8.00 (60M)	0.50% add to senior citizen
9	Sidbi	6.75	7.25	7.25	7.75(48-60M)	0.50% add to senior citizen	10,000
10	Hudco (1st july)	7.50	7.75	8.10	8.20(60-84M)	0.50% add to senior citizen
11	Hdfc (ind ) - regular <1 cr	6.90	7.40	7.65	8.25(60-84 M)
	Period	15M	20 M	30 M	45 M
12	Hdfc premium deposit <1 cr	7.00	Na	7.75	7.75	0.25% add. To senior citizen	10,000
	Period	20M	30 M	40 M	60 M
13	Icici home finance (special) <1 cr	7.15	8.00	8.25	8.50	0.35% add to senior citizen	5000

Finance Companies

COMPANY NAME	Minimum Amount		Credit Rating	Interest Rates				Interest Rates Frequency
COMPANY NAME	Minimum Amount		Credit Rating	12 - 23 Months	24 - 35 Months	36 - 47 Months	48 - 84 Months	Interest Rates Frequency
Bajaj Auto Finance Ltd	50,000/ 25,000/ 5,000		FAAA	-		07.00		M/Q/C
Gruh Finance Ltd - ( From 5TH FEB )	20,000		FAA-	09.00	09.00	08.75	08.50	Monthly
Individuals & Trust	2,000		FAA-	09.25	09.25	09.00	08.75	Quarterly
(0.25 P.A MORE ON DEPOSITS RECIVED FROM	2,000		FAA-	09.55	09.55	09.30	09.00	Annual
SENIOR CITIZENS & TRUSTS)	1,000		FAA-	09.55	09.55	09.30	09.00	Cumulative
COMPANY NAME	Minimum Amount		Credit Rating	12 Months	18 Months	24 Months	36 Months	Interest Rates Frequency
Mahindra & Mahindra Financial Ltd	25,000		FAA	10.25		10.75	11.25	Non - cum
( From 10TH FEB )	10,000			10.50	10.75	11.00	11.50	Cumulative
HDFC (wef 15 JAN 09)	Minimum Amount		Credit Rating	12 - 23 Months	24 - 35 Months	36 - 48 Months	60 Months	Interest Rates Frequency
(Senior Citizens - 0.25% extra)	20,000		FAAA	09.10	09.10	08.85	08.85	Monthly
(Senior Citizens - 0.25% extra)	10000		FAAA	09.15	09.15	08.90	08.90	Quarterly
(Senior Citizens - 0.25% extra)	5,000		FAAA	09.25	09.25	09.00	09.00	Half -Yearly
(Senior Citizens - 0.25% extra)	5,000		FAAA	09.45	09.45	09.20	09.20	Cumulative
(Senior Citizens - 0.25% extra)				09.45	09.45	09.20	09.20	Annual
HDFC PREMIUM DEPOSITS	Above One Lakhs		Credit Rating	15 Months	20 Months	30 Months	45 Months	Interest Rates Frequency
(Senior Citizens - 0.25% extra)	BELOW 1 Lakhs -0.35 LOWER INT RATES			09.20		09.20	08.95	Monthly
(Senior Citizens - 0.25% extra)	ADDITIONAL0.10 FOR SINGLE DEPOSITS			09.25		09.25	09.00	Quarterly
(Senior Citizens - 0.25% extra)	OF RS 10 Lakhs & ABOVE			09.35		09.35	09.10	Half -Yearly
(Senior Citizens - 0.25% extra)				09.55	09.55		09.30	Cumulative
(Senior Citizens - 0.25% extra)						09.55	09.30	Annual
COMPANY NAME	Minimum Amount		Credit Rating	Interest Rates %				Interest Rates Frequency
COMPANY NAME	Minimum Amount		Credit Rating	1 Year	18 Months	2 Years	3-5 Years	Interest Rates Frequency
First Leasing Co India Ltd	5,000		AA+	7.50	08.00	08.50	09.00	M/Q/H/Y/Cumm
COMPANY NAME	Minimum Amount		Credit Rating	Interest Rates				Interest Rates Frequency
COMPANY NAME	Minimum Amount		Credit Rating	12 - 23 Months	24 - 35 Months	36 - 48 Months	48 - 59 Months	Interest Rates Frequency
ICICI Home Finance ( From 25th JAN )	< 1 Lakhs		AAA	09.35	09.35	09.10	09.10	Monthly
(Senior Citizens - 0.25% extra)			AAA	09.40	09.40	09.20	09.20	Quarterly
			AAA	09.75	09.75	09.50	09.50	Ann/Cum
	>=1Lakhs < 10 Lakhs			09.75	09.45	09.20	09.20	Monthly
				09.50	09.50	09.30	09.30	Quarterly
				09.85	09.85	09.70	09.70	Ann/Cum
	>=10Lakhs			09.55	09.55	09.30	09.30	Monthly
				09.60	09.60	09.40	09.40	Quarterly
				09.95	09.95	09.70	09.70	Ann/Cum
ICICI HOME FINANCE SPECIAL DEPOSITS	Minimum Amount		Months		Ann/Cum	Qtrly	Monthly
	<1 Lakhs		15 & 21Months		09.85	09.50	09.45
	>=1 Lakhs <10 Lakhs		15 & 21Months		09.95	09.60	09.55
	>=10 Lakhs		15 & 21Monthss		10.05	09.70	09.60

(Senior Citizens - 0.35% extra)	>=1 Lakhs <10 Lakhs		30 Months		10.05	09.70	09.60
	>=1 Lakhs <10 Lakhs		30 Months		10.15	09.80	09.70
(Senior Citizens - 0.35% extra)	>=10 Lakhs		30 Months		10.25	09.90	09.80

Lic Housing Finance Ltd. From 25/11/ 08	10,000		12 Months		18/24 Months	36 Months	60 Months
(Senior Citizens - 0.10% extra)			09.60		10.00	10.00	9.50
(Senior Citizens - 0.25% extra)	Above 50,000
COMPANY NAME	Minimum Amount	Credit Rating	Interest Rates
COMPANY NAME	Minimum Amount	Credit Rating	12	24	36	48	60
Exim Bank (No bkg will be paid for renewal applications )	10,000		10.00	10.00	10.00	10.00	10.00

Government Companies

COMPANY NAME	Minimum Amount	Credit Rating	Interest Rates				Interest Rates Frequency
COMPANY NAME	Minimum Amount	Credit Rating	6 Months	12 Months	24 Months	36 Months	Interest Rates Frequency
National Thermal Power Corporation	1 Lakh / 5,000	FAAA		08.00	08.25	08.50	M/Q/C
Sardar Sarovar Narmada
Nigam Ltd / Trust	10,000			05.50	06.50	09.00	Hly
	15,000			05.25	06.25	08.75	Monthly
	5,000					09.00	Cum
COMPANY NAME	Minimum Amount	Credit Rating	Interest Rates				Interest Rates Frequency
COMPANY NAME	Minimum Amount	Credit Rating	12 Months	24 Months	36 Months	60 Months	Interest Rates Frequency
NHB ( From 16th Jan 09 )	50,000		09.25	09.25	09.00	09.00
( Above15 Lakhs Add Rate - 0.10% )
(Senior Citizens -0.50% extra)

Bonds

COMPANY NAME	Interest Rate %	Interest Option	Term	Min Amt Rs	Maximum Amt
REC-54EC (From 1st Nov 2008 )	6.25%	Annually	3 Yrs	10,000
NHAI 54EC ( From 1st Nov 2008 )	6.25%	Annually	3 Yrs	50,000	Rs. 50 Lakhs per financial year either any of these 54EC product
NABARD RURAL BONDS- 80C ( Senior Citizen 0.50 % extra)	8.50%	Annually	5 Yrs	5,000
NHB - SUVRIDHI Under Section - 80C	8.75%	Annually / Cum	5 Yrs	10,000	Rs 1 Lakhs
NABARD BHAVISHYA NIRMAN BONDS ( From 15th Jan 09 )	Yield-11.57%	Zero coupon Bond	10 Yrs Lock in	8,750	Upto 1 Cr
8% TAXABLE BONDS
ICICI, HDFC, UTI	8.00%	Half Yearly	6 yrs	10,000	Any Amt
SBI	8.00%	Half Yearly	6 yrs	10,000	Any Amt

*Above Rates are subject to TDS as per Rules.
*Interest structure may be revised by company from time to time. Pls confirm Interest rates before Investing.

*For Application Greater Than Rs. Fifty Lakhs Or equal to Fifty Lakhs, Please Contact our office for attractive offers.

Disclaimer: You agree and acknowledge that SKY Consulting Advisory Services (SKY) is only acting as a conduit/facilitator between the client and the respective Fixed Deposits accepting/inviting Company ('Principal'). Before taking a decision to invest in the Fixed Deposits of the Principal, you are requested to carefully go through the application form, financial statement/s and other information ('Information') of the Principal. SKY, its employees, directors, sub-brokers, agents does not endorse and/or certify the Information provided by the Principal and shall not be liable legally or otherwise under any circumstances.