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Achiievers Wealth Advisors-"A Bond for Life"
We at Achiievers Wealth understand that wealth is a general term and means different things for different people. With this understanding we bring to you a unique value proposition which is a fresh approach to wealth management.

The group consists of people, as opposed to entities, that make the financial boutique that we call ‘ACHIIEVERS WEALTH’. Diverse activities within the financial arena, provides an umbrella to meet the client’s often conflicting requirements. This single mindedness has helped us move closer to our ultimate objective which is to become a one-stop-shop, but with a difference. Personalized service combined with unique solutions to meet diverse objectives, given a fluid and developing environment, are the pillars for future growth. Achiievers Wealth’s unique selling point is that it manages the total financial affairs of their clients.

Investing is to save and invest over a long period of time to attain financial security. It's about taking reasonable risks to reap steady rewards. Investing is a method of purchasing assets in order to gain profit in the form of reasonably predictable income (dividends, interest etc) and appreciation over a long term and shields against rising inflation. The rate of return on investments should be greater than the rate of inflation. Whether your money is invested in stocks, bonds, mutual funds or in fixed deposit (FD), the end result is to create wealth for retirement, marriage, education, vacations, better standard of living or to pass-on to the next generation. You just need to have your money work for you. That’s investing.


There are two ways your money can work for you:

Your money earns money.
Someone pays you to use your money for a period of time. You then get your money back plus “interest.” Or, if you buy stock in a company that pays “dividends” to shareholders, the company pays you a portion of its earnings on a regular basis. Now your money is making an “income.”

You buy something with your money that could increase in value
You become an owner of something that you hope increases in value over time. When you need your money back, you sell it, hoping someone else will pay you more for it.


Compound interest is a key aspect of investing. With compound interest, you earn interest on the money you save and on the interest that money earns. Over time, even a small amount of savings can add up to big money and help you achieve your financial goals.

  MUTUAL FUND

AWAPL offers a wide array of Mutual Funds across all asset classes, designed to help investors meet a range of portfolio needs - from true core holdings to innovative strategies that seek to enhance diversification and return opportunities.

  CORPORATE FIXED DEPOSIT

Invest your hard-earned money in rated Fixed Deposit schemes with twin benefits of high level of safety & highly competitive returns.

We offer a range of Corporate Fixed Deposits varying in interest rate & tenures to help it grow consistently over a period of time.

INRODUCTION

Fixed Deposit (FD) is a savings instrument where you deposit an investment amount for a fixed duration at a fixed rate of interest. Even if interest rates change during the tenure of the FD, the interest rate is fixed at the time of the FD investment.

Fixed Income instrument provides Fixed/committed return on the amount invested. This is one of the most convenient investment options to the investors. Fixed Deposits mobilized by companies are governed by the provision of Section 58-A of the Companies Act, 1956. Fixed Deposits can be classified into deposits received from

  • Manufacturing Companies ( Non Banking-Non Finance Companies)
  • Non Banking Finance Companies (NBFC)

When you open a FD, you receive a certificate that mentions the invested amount, the interest rate and the maturity date, apart from some other details. If you opt for the cumulative option for getting the interest, the maturity amount would also be mentioned on the FD certificate. If you open a FD online through the internet facility, you also receive a FD certificate.

Request for premature withdrawal may be permitted at the sole discretion of the corporation only and cannot be claimed as a matter of right by the depositor, subject to the Housing Finance Companies (NHB) Directions, 2010 as applicable from time to time.

Premature withdrawal will not be allowed before completion of 3 months from the date of deposit. There is some penalty for this in the form of a reduced interest rate.

Loans may be granted against Fixed Deposit upto 75% of the Principal deposit, provided the deposit has run for a minimum period of three months. However, granting of loan will be at the sole discretion of the Company.

Apart from this, one thing that needs to be kept in mind is that Income Tax will be deducted at source on interest payment of Rs. 5000/- and above in a financial year subject to changes/ alterations in the said provisions by the relevant authorities. Upto Rs. 5000/- TDS is not applicable. For exemption of TDS, Depositors should submit Form 15G/ 15H/ 15AA/ Order U/s10/ Order U/s 197 (as the case may be).

  PRODUCT LIST

LIC Housing Finance Ltd. is one of the largest Housing Finance company in India. Incorporated on 19th June 1989, the company was promoted by LIC of India and went public in the year 1994. The Company launched its maiden GDR issue in 2004. The Authorized Capital of the Company is Rs.1500 Million (Rs.150 Crores) and its paid up Capital is Rs.850 Millions (Rs.85 Crores). The Company is recognized by National Housing Bank and listed on the National Stock Exchange (NSE) & Bombay Stock Exchange Limited (BSE) and its shares are traded only in Demat format. The GDR's are listed on the Luxembourg Stock Exchange.

'HDFC' - a household name that Indians proudly reckon with! Housing Development Finance Corporation Limited (HDFC Ltd.) was established in 1977 with the primary objective of meeting a social need of encouraging home ownership by providing long-term finance to households.A pioneer and leader in housing finance in India, since inception, HDFC has assisted more than 4.4 million customers to own a home of their own, through cumulative housing loan approvals of over Rs. 5.66 trillion and disbursements of over Rs. 4.56 trillion as at March 31, 2013.

DHFL , Third Largest Housing finance company in India DHFL ( Dewan Housing Finance Corporation Ltd) has become one of the largest financial institutions in India. know more . We have taken the road less traveled. The journey began on April 11, 1984. DHFL was the second housing finance company to be set up in the private sector in India, and its stated business objective was to enable access to affordable housing finance to the lower and middle income groups in India. Over 28 years have passed since the company’s inception and today DHFL arguably stands strong as one of India’s largest housing finance companies (and the second largest in the private sector) and is still profitably doing what its Founder intended it to do.

Being a part of the "SHRIRAM" conglomerate which has significant presence in financial services, STFC was incorporated in the year 1979 and is registered as a Deposit taking NBFC with Reserve Bank of India. With a track record of about 30 years in this business, we are among the leading organized finance provider for the commercial vehicle industry with a focus to provide various credit facilities to STOs. Our assets under management have grown by a compounded annual growth rate (CAGR) of 19.77% from Rs. 195.40 crores in FY 2008 to Rs. 40220 crores in FY 2012.Today we have approximately 20-25% market share in pre-owned and approximately 7-8% market share in new truck financing.

Empowering potential. Transforming lives. Two decades ago, Mahindra and Mahindra Financial Services Limited (MMFSL) commenced its journey in the rural non-banking finance industry. During the course of our journey, apart from emerging as the top tractor financer in India, we have constantly strived towards developing skill sets of the local population. Which is why, we provide employment to over 13,000 people at over 650 branches across India. Maintenance of an 18% Capital Adequacy, complying with the minimum requirement of 15% set by the RBI We're ranked 9th in the prestigious Dun & Bradstreet's India's Top 500 Companies 2011 (released on 1st June, 2012), based on the total income in the FIs/ NBFCs/ Financial Services Sector

  INVESTOR CATEGORIES
CATEGORIES OF INVESTORS
SR NO. GOVT-STATE GOVT. COMPANIES / PSUs / SUBSIDIARIES RESIDENT INDIVIDUAL MINOR (With the Guardian) NRI CORPORATE HUF PARTNERSHIP FIRM TRUST CHARITABLE TRUST COOPERATIVE SOCIETY
1 LIC HOUSING FINANCE LTD
2 PNB HOUSING FINANCE LIMITED
SR NO. GOVT-STATE GOVT. COMPANIES / PSUs / SUBSIDIARIES RESIDENT INDIVIDUAL MINOR (With the Guardian) NRI CORPORATE HUF PARTNERSHIP FIRM TRUST CHARITABLE TRUST COOPERATIVE SOCIETY
1 DEEWAN HOUSING FIN.LTD (Aashray Deposits Plus)
2 DEEWAN HOUSING FIN.LTD (Aashray Deposits)
3 DEEWAN HOUSING FIN.LTD (Swayam Sidha Deposit) For FEMALE
4 HDFC LIMITED
5 SHRIRAM TRANS FINANCE CO.LTD(UNNATI)
6 MAHINDRA & MAHINDRA FINANCE SERV LTD
  COMPARE PRODUCTS
  DEPOSIT PROCEDURE
  DOWNLOAD FORMS
Corporate Fixed Deposits Download Forms
LIC Housing Finance Ltd. Download
HDFC Ltd. Download
Dewan Housing Finance Ltd. (DHFL) Download
Shriram Transport Finance Company Ltd. Download
Mahindra & Mahindra Finance Ltd. Download
  GLOSSARY
Annual Yield Annual percentage yield (APY) (also called Effective Annual Rate (EAR) in finance) is a normalized representation of an interest rate, based on a compounding period of one year.
Compound Interest Compound interest arises when interest is added to the principal, so that, from that moment on, the interest that has been added also earns interest. This addition of interest to the principal is called compounding.
Fixed Deposit Account Fixed Deposit refers to certificate of deposit that pays a fixed rate of interest until a given maturity date. Such deposits generally carry comparatively higher rate of interest depending on the time span.
Future Value The original amount plus the compound interest thereon, stated as of a specific future date.
Inflation Inflation is a rise in the general level of prices of goods and services in an economy over a period of time
Joint Account A Fixed Deposit account that is owned together (jointly) by two or more people. The depositors can decide whether transactions require the signatures of all parties or whether one party can take actions on his/her own.
Know Your Customer(KYC) KYC norms were introduced by the RBI to ensure customer identification and help control financial frauds, identify money laundering & suspicious activities. To comply with this requirement, NBFCs require the following documents for new depositors’ photos, PAN card copy, identification proof and address proof.
Maturity Date The date on which the principal amount of any debt instrument becomes due and is repaid to the investor and interest payments stop.
Nomination FD Holders may nominate persons to whom the Fixed Deposit Amount should go in the event of their death. Nomination can be made in Fixed Deposit Application form itself or on a separate form indicating the name and address of the nominee.

INSURANCE

Life Insurance in India made its debut well over 100 years ago.


Life insurance

Life insurance in India made its debut well over 100 years ago. Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against. Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums.

Attention Investors :
No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorize your bank to make payment in case of allotment. No worries for refund as the money remains in investor's account.    KYC is one time exercise while dealing in securities markets - once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary.
Prevent unauthorised Trading / transactions in Your Account:
Update your email ID and Mobile Number with your Stock Broker and Depository Participant to receive alerts for all important transactions in your account directly from NSE and NSDL. Issued in the interest of the Investors….
Achiievers Equities Ltd (AEL) Member of NSE, BSE and MCX-SX
Reg. Office: 32/A, Diamond Harbour Road, Shakerbazar, Kolkata 700008 Tel: 033 2445 6442/66063000 Fax: 033 6606 3041
Email: info@achiieversequitiesltd.com , customer.care@achiieversequitiesltd.com
NSE Registration Nos.: NSE (Cash) : INB231395832 ; NSE (F&O) : INF231395832 ; NSE (Currency) : INE231395832 ; BSE (Cash) : INB011395838 ; BSE (F&O) : INF011395838 ; BSE(Currency) : INE011395838 | DSE Registration Nos. : INB051395839 | USE Registration Nos. : INE271395837
Achievers Commercial Pvt Ltd (ACPL) Members of MCX, ACE and NSEL. | SEBI Registration No. INZ000050830 | ACE: ACEL/TMC/CORP/0194 | NSEL: 40020
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