five jewels fixed deposits

7/31/2019 Five Jewels Fixed Deposits

1/7

Five Jewels Deposit

Schemes+

performance


2/7

Dewan Housing Finance Ltd

DHFL a 27 year old company is the 3rd largesthousing finance company with a net worth of1600cr. and PAT of357 cr. It currently has 15300 cr.of assets under management.

Deposits are rated AA+ by CARE, FAAA by BWR

and P1+ by CRISIL.

Offering interest rate up to 11.00% yielding areturn of12.25% and 13.36% on 3 and 5 yearrespectively. Further offering 0.5% extra for SeniorCitizens, Armed Force Personnel, Widows,S r l r n Exi in H m L n m r .

Increasing Capital Adequacy

Increasing PAT

Rs. 1 lakh Free Accidental Death Insurance for allDepositors.

Increasing Capital Adequacy Ratio indicatingcompany's capability of covering capital expense,debt repayment and dividends from cash flow

generated. Well above the RBI norms of 12%

Company PAT has increased to 357 cr. in FY- 11from 158 cr. in FY-10

Increasing AUM with reduced NPA from 0.73%to 0.10% for the FY11 a very critical part well

taken care of.

Decreasing Non Performing Assets


3/7

Housing Development Finance Corporation Ltd

HDFC is one of the largest housing financecompany with over 10 lakh depositors and Rs.25000cr. as deposits

HDFC has been awarded FAAA and MAAArating for its deposits from CRISIL and ICRA for theSIXTEENTH consecutive year

HDFC offers up to 9.65 10.00% interest on 33Months Fixed Deposits with a maximum yield of10.90% per annum. It provides additional 0.25%to senior citizens

Increasing Assets

Improving PAT Margins

HD FC's Ass ets (Rs . Bi ll ion)

1415.89

1161.11

0

20 0

40 0

60 0

80 0

1000

1200

1400

1600

Ju ne 30 ,20 10 Ju ne 30 ,20 11

PAT Margin(%)

10.35

14.38

10

12

14

16

FDR receipt issued over the counter.

Company Assets has increased to Rs. 1.41 lakhcrore in the FY-11 from Rs. 1.16 lakh crore in theFY-10.

Profit Margins have increased to 14.38% in theFY-11 from 10.35% in the FY-10 which depictsbetter cost control and operational efficiency.

Interest coverage ratio has increased to 1.67 in theFY-11 from 1.53 in the FY-10, interest coverageratio is used to determine how easily a company canpay interest on outstanding debt.

Improving Interest Coverage Ratio

0

2

4

6

2010 2011

Interest Coverage Ratio

1.53

1.67

1.45

1.5

1.55

1.6

1.65

1.7

2010 2011


4/7

Kerala Transport Development Finance Corporation Ltd.

KTDFC is a Kerala Government owned NonBanking Financial Company registered under theReserve Bank of India. It offers commercial loanfinancing.

Offering interest rate up to 10.25% yielding areturn of11.94% and 12.91% on 3 and 5 yearrespectively. It offers 0.25% extra for seniorcitizens and investors deploying more than 25lakhs in single shot.

Increasing Sales

Improving Profit Margins

Revenue(Rs Cr)

50.22

54.24

48

49

50

51

52

53

54

55

2010 2011

PAT M argin(%)18.2120

of Kerala and ensure 100% security.

Loan against deposit facility available.

Companys sales has increased to 54.24 cr. inthe FY-11 from 50.22 cr. in the FY-10

PAT margin has increased to 18.21% in theFY-11 from 14.47 % in the FY-10

Net profit has increased to 9.88 cr. in the FY-11 from 7.27cr. in the FY-10

Increasing Profit

PAT (Rs Cr)

7.27

9.88

0

2

4

6

8

10

12

2010 2011

.

0

5

10

15

20 1 0 201 1


5/7

Mahindra & Mahindra Financial Services Ltd

MMFSL a part of Mahindra Group started operationsin 1993 and is currently one of India's leading nonbanking finance company with a current net worth of2500 cr. and 15000 cr. of assets undermanagement.

Deposits are rated FAAA By CRISIL which indicatesa high level of safety.

Offering interest rate up to 10.50% yielding a return0f 11.64% and 12.21% on 3 and 5 yearrespectively. Offering 0.25% extra for senior citizen

Increasing Profits

Increasing CAR(%)

CAR (%)

Loan against deposit facility available.

Companys profit has increased to 463 cr. in theFY-11 from 132 cr. in FY-07

Increasing Capital adequacy ratio indicates a

company's capability of covering capital expense, debtrepayment and dividends from cash flow generatedfrom operating activities.

NPA has reduced from 0.9% to 0.6% for the FY-11.

Falling NPAs

19.4

18.5

.

17.5

18

18.5

19

19.5

20

.

FY09 FY10 FY11

NET NPA to Total Assets (%)

0.9

0.6

0

0.1

0.20.3

0.4

0.5

0.6

0.7

0.8

0.9

1

FY10 FY11


6/7

Shriram Transport Finance Ltd.

STFC established in 1979 is the largest player incommercial vehicle finance in India withapproximately 36000 cr. of assets undermanagement; against a net profit of 190 cr. in 2007it clocked 1229 cr. in 2011 , a marvelous 59.42%annualized growth.

Deposit are rated FAA+ by CRISIL & MAA+by ICRA.

Offering interest rate up to 10.75% yielding areturn of 11.94% and 13.32% on 3 and 5 yearrespectively.

Increasing Assets

Falling Non performing Assets

Assets Under Managem ent (Rs Cr)

30200

36900

0

10000

20000

30000

40000

Q1FY'11 Q1FY'12

Non Performing Assets (%)

0.70.8

Loans against deposit.

Asset under management has increased to36900cr. in the FY-11 from 30200cr in the FY-10where AUM is the market value of assets that aninvestment company manages on behalf ofinvestors.

Increasing AUM with reduced NPA from 0.7% to0.4% for the FY11.

Profit after tax has increased to 1217cr. in the FY-11 from 873cr. in the FY-10

Increasing Profits

0.4

0

0.2

0.4

.

2010 2011


7/7

five jewels fixed deposits

Documents