GOVT. COMPANIES	Rating		CUMULATIVE	NON CUMLATIVE	MONTHLY	Qly		INTEREST RATES
		Extra For Sr.Citizen	Min. Rs.	Min. Rs.	Min. Rs.	Min. Rs.	Multiple of Rs.	12	24	36	48	60	72,84
Andhara Pradesh State Finance Coporation			20000	40000				7.75	8.00	8.25				Apply
Gruh Finance	FAA+ by crisil & MAA+ by icra	0.25%	1000		20000	2000		6.75	7.00	7.25	7.25	7.50	7.50	Apply
Hudco (Ind/Trust)	FAAA	0.25%	10000	50000			1000	7.00	7.50	7.65	7.75	7.75	7.75	Apply
National Housing Bank (0.50%  Senior Citizens)	FAAA(01/01/2010)							6.50	6.50	7.25		8.00		Apply
Nhb Suvridhi (Tax Saving)	FAAA	0.50%	10000				10000					8.00		Apply
Pnb Housing * w.e.f 01.02.2010	FAAA	0.50%	10000					7.25	7.25	7.75	7.75	7.75	7.75	Apply
Sidbi ( Individuals & Huf ) #	AAA	0.50%	10000				1000	12-13M (6.50)		14-36M (7.00)		37-60M (7.50)		Apply
Lic Housing Finance	(18M)-6.80							6.75	7.25	7.50		8.00		Apply
Sundaram Home Finance	MAA+		10000					7.50	8.00	8.50				Apply
Exim Bank	FAAA	0.50%	10000				1000	6.75	6.75	7.50	7.50	7.50		Apply
Exim Bank * Above Rs. 1 Crore.	FAAA							5.25	5.25	6.00	6.00	6.00		Apply
Hdfc (Ind& Huf)	FAAA	0.25%	20000	20000	20000	20000		6.65	7.00	7.35	7.35	8.00	8.00	Apply
Tamilnadu Power Finance		0.25%	10000		20000	10000	1	7.75	8.25	8.75	8.75	8.75		Apply
Icici Home Finance < = Rs. 1 Cr	MAAA	0.25%%	5000	5000	5000	5000		6.75	7.10	7.45	7.45	8.00	8.00	Apply
Ktdfc Above Rs. 25 Lakhs**		0.25%						9.25	9.25	9.50	9.50	9.50		Apply
PERIOD								30M	40M	60M
ICICI HOME Finance Special Scheme < = Rs. 1 Cr	MAAA	0.35%	5000	5000	5000	5000		7.45	7.70	8.00				Apply
PERIOD								15M	30M	45M
SPECIAL SCHEMES FOR HDFC	FAAA	0.25%	20000	20000	20000	20000		6.50	7.10	7.20				Apply

REC – (Rural Electrification Corporation Ltd)

Minimum : Amt. Rs. 10000/-

Minimum : 1 (one) Bond

Period : 3 years (lock in)

Rate of interest : 6.25% p.a.

No TDS

NHAI – NATIONAL HIGHWAY AUTHORITY OF INDIA

Minimum amt. on application: Amt. Rs. 50000/-

Minimum : 5 Bonds (Rs. 10000 per bond)

Period : 3 years (lock in)

Rate of interest : 6.25% p.a.

8% GOVT. of INDIA, SAVINGS BONDS, TAXABLE, 2003(RBI)

Minimum : Amt. Rs. 1000/- and in multiples of Rs. 1000/-

Maturity Period : 6 years

Rate of interest : 8% p.a. (The bond will be issued in cumulative and non-cumulative form, at the option of the investor)

Nomination : Available to sole holder or a sole surviving holder of a Bond. NRI can also be nominated.

Transferability : The Bond in the form of Bond Ledger Account shall not be transferable.

• Income-tax : Interest on the Bonds will be taxable under the Income-Tax Act, 1961 as applicable according to the relevant tax status of the bond holder. • Wealth tax : The Bonds will be exempt from Wealth-tax under the Wealth- tax Act, 1957.

HUDCO FD

Minimum Deposit : Rs. 50000/-

Credit Rating : CARE AA+ (FD) by CARE

Rate of Interest : 12M - 7.50% | 24M - 7.75% | 36-48M - 8.10% 0.25% p.a. extra interest for Sr. Citizens of 60 years and above age.

TAX Benefit : HUDCO Public Deposit Scheme qualifies under Section 80C (2)(xvi)(a) of Income-tax Act, 1961. Accordingly, the deposits with minimum lock in period of 5 years made under HUDCO Public Deposit Scheme will qualify for deduction from gross total income upto Rs. 1,00,000/-. The above tax benefit is only for individual and HUF investors.

NHB SUVRIDHI FD

Minimum Deposit : Rs. 10,000 and higher in multiples thereof up to maximum of Rs. 1,00,000/- per financial year.

Credit Rating : FAAA by CRISIL and TAAA by FITCH

Rate of Interest :60M - 8.00% , 8.24% (Annualized Rate) For Senior Citizens: Additional rate of 0.50% p. a.

TAX Benefit : Under Section 80C- Notified by CBDT published in Extraordinary Gazette of India dated 5th January, 2009 S.O.21 (E).

TDS on Interest : Deduction of Income-tax at source from interest payments will be governed by the provisions of the Income Tax Act, 1961, as in force from time to time, and the rules frame there under. As per the present provisions U/S 194A of the Income Tax Act, 1961, interest upto Rs. 5000/- in a financial year is exempt from deduction of tax at source.