Investment options for Tax Payers & also for Non-Tax payers

Investment options for Tax Payers & also for Non-Tax payers .

1.  HUDCO Tax Free Bonds - Ideal for tax payers in higher slab:

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Interest received is fully tax free. Retail Investors - 8.39% (10 years), 8.76% (15 years) & 8.74% (20 years).  Pre-tax yield 12.14%, 12.68% & 12.65% respectively (30% tax bracket). HNIs - Similar options with 0.25% lower interest rate. Rating "CARE AA+" by CARE & "IND AA+" by IRRPL. Issue open & closes on 14/10/2013. Issue size Rs.4,809 Crores with allotment on "First Come First Serve" basis.

2.  Corporate FD schemes - ideal for non-tax payers / tax payers in lower slab :       -----------------------    ----------------------------------------------------- Company Name Minimum Amount Rate of Interest (%) Additional Interest for Sr. Citizens Rating 12 Months 14 Months 15 Months 22 Months 24 Months 33 Months 36 Months 40 Months DHFL AASHRAY Deposit Plus 10000 - 10.51 - - - - - 10.50 0.50% CARE (AA+) FD BWR FAAA Gruh Finance Ltd 2000 9.50 - - 9.75 - 10.00 - 0.25% MAAA+ (ICRA) FAAA+ (CRISIL) HDFC Ltd - Platinum Deposits 20000 - - 9.75 9.60 - 9.50 - - 0.25% FAAA (CRISIL) MAAA (ICRA) Mahindra Finance - Samruddhi 10000 9.25 - - - 10.00 - 10.25 - 0.25% FAAA (CRISIL) Shriram Transport - Unnati 25000 9.25 - - - 9.75 - 10.75 - 0.25% FAA+/stable (CRISIL) MAA+/stable (ICRA)

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