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Aditya Birla Money Mart Limited

About Aditya Birla Money Mart Limited


Aditya Birla Money Mart Limited ABMML (formerly Birla Sun Life Distribution Company Limited) is a wholly owned subsidiary of Aditya Birla Nuvo Ltd. (Nuvo). Earlier it was established as a joint venture between Aditya Birla Nuvo and Sun Life (India) Distribution Investments. In March 2009, Nuvo purchased the remaining 50.001 per cent stake from its joint venture partner. The company was launched in the year 1999 with the vision to be 'the first preference of our customers as a leading integrated provider of financial services through superior value creation and technology. Aditya Birla Money Mart Limited offers wealth management, financial planning and investment solutions, mainly through a range of products like mutual funds, insurance, PE funds, alternate investments, select fixed deposits and IPOs and structured products. The company provides life insurance products of Birla Sun Life Insurance, sourced through its wholly owned subsidiary BSDL Insurance Advisory Services Ltd (BSDLIAS), licensed to act as a Corporate Agent of Birla Sun Life Insurance Company Limited. The Corporate & Institutional section caters to banks, financial institutions and other companies; Wealth Management service focuses on HNIs; while the Retail section offers solutions through Channel Partners and branches A combination of personal attention, ethical practices, strong research, state-of-the-art technology, streamlined processes and innovative marketing has made ABMML one of the premier distribution companies in India, well poised to serve the growing economy and increasing investor population. ABMML has also been honoured with awards and certifications by leading industry watchers.

Vision
Our vision is to make a qualitative difference to the lives of the weaker sections of society in proximity to our plants and in doing so improve the human development index of our nation.

Products
1. Equity 2. Commodity 3. Derivatives 4. IPO 5. Currency 6. Mutual Funds 7. Life Insurance 8. Alternative Investments 9. Fixed Deposits 10. General Insurance 11. Health Plans 12. Property Services 13. Depository Participant

1. Equity
The key to higher returns The total capital worth of any company is divided into equal units of small denominations. Each denomination is called a share, and holders of these shares have voting rights within the company. The ownership interest of these shareholders is commonly referred to as equity. Many still view equity investments as a somewhat higher risk avenue. However, if closely observed it has still been considered as one of the best sources of getting maximum returns. The basic premise of equity investments lies in timing the market i.e. being constantly in touch with the market. Thus, if you are planning to give maximum importance to market

timing and have the ability to hedge risk by making informed decisions, then equity market is the answer for you. Why Invest in Equity? Earn high returns Best hedge against inflation Creates wealth over long term Diversifies portfolio You can trade in equity through a broker and through several convenient options like a branch, call and trade or even an online broking account. Our Offerings: Demat plus broking Account Aditya Birla Moneys Demat plus broking account comes with the benefits of a hassle free trading experience and the trust of the Aditya Birla Group. Some of the benefits are:

Convenience of linking multiple bank accounts and instant trading limits on online funds transfer. Trade however youre most comfortable; online, or through a dealer. Get lowest transaction and maintenance costs on demat accounts, along with highly competitive brokerage charges.

Receive research reports (covering over 200 stocks a month), money morning, intra-day calls, and much more even straight on your mobile phone!

Access Market Tracker, a unique, real-time market information platform with built in decision making support tools that empower you to make the most informed investment decisions.

Call and trade support for placing your orders 24/7 by calling the centralised trading desk. I-decide Brokerage plan You can now decide the brokerage you want to pay with Aditya Birla Moneys I-decide Brokerage plans. These plans offer a choice of brokerage rates based on your trading profile and you can save brokerage by choosing a suitable plan. Some of the features of I-decide are:

The I-decide slabs start as low as Rs. 2500 Renewal free period so you can continue trading up to a week after validity of the plan lapses Carry forward the unutilized limits when you renew a plan to a higher slab You can switch up on your plan any number of times.

2. Commodities
Enrich your portfolio with commodities Commodities are raw products that can be bought, sold, and traded. It can be an agricultural commodity like wheat, soybeans, rapeseed, cotton, etc or precious metals like gold, silver and so on. Commodities are traded on Multi Commodity Exchange (MCX) and National Commodity Derivative Exchange (NCDEX). Despite the fact that the prices of commodities are unpredictable, they are much preferred by the investors who want to earn high returns from the price fluctuations. Of course there are also commodities like Gold, which is a reliable and safe investment. Hence, Commodities are increasingly becoming one of the most popular areas of investment for diversifying portfolios and improving overall rate of returns. If you are looking towards making a balanced portfolio, commodities could be your vehicle to earn desired returns. Why Invest in Commodity?

Earns high returns Diversifies portfolio Commodities like gold is safe for long term investment Improves overall investment returns

3. Derivatives
What are Derivatives? A derivative is a financial instrument - or more simply, an agreement between two people or two parties - that has a value determined by the price of something else (called the underlying). It is a financial contract with a value linked to the expected future price movements of the asset it is linked to - such as a share or a currency. There are many kinds of derivatives, with the most notable being swaps, futures, and options. Why invest in Derivatives: Price Discovery Futures market prices depend on a continuous flow of information from around the world and require a high degree of transparency. A broad range of factors impact supply and demand of assets (commodities in particular) and thus the current and future prices of the underlying asset on which the derivative contract is based. This kind of information and the way people absorb it constantly changes the price of a commodity. This process is known as price discovery.

Risk Management Risk management is the process of identifying the desired level of risk, identifying the actual level of risk and altering the latter to equal the former. This process can fall into the categories of hedging and speculation. Hedging has traditionally been defined as a strategy for reducing the risk in holding a market position while speculation referred to taking a position in the way the markets will move. Today, hedging and speculation strategies, along with derivatives, are useful tools or techniques that enable companies to more effectively manage risk. Reduce Market Transaction Costs Because derivatives are a form of insurance or risk management, the cost of trading in them has to be low or investors will not find it economically sound to purchase such "insurance" for their positions. Forms of Derivatives: FUTURES In futures trading, you take buy/sell positions in index or stock(s) contracts having a longer contract period of up to 3 months. Trading in FUTURES is simple! If, during the course of the contract life, the price moves in your favour (i.e. rises in case you have a buy position or falls in case you have a sell position), you make a profit. Presently only selected stocks, which meet the criteria on liquidity and volume, have been enabled for futures trading. OPTIONS An option is a contract, which gives the buyer the right to buy or sell shares at a specific price, on or before a specific date. For this, the buyer has to pay to the seller some money, which is called premium. There is no obligation on the buyer to complete the transaction if the price is not favorable to him. To take the buy/sell position on index/stock options, you have to place certain % of order value as margin. With options trading, you can leverage on your trading limit by taking buy/sell positions much more than what you could have taken in cash segment.

4. IPO
An initial public offering (IPO) is the financial mechanism by which a private company offers stock to the general public for the first time and officially becomes a publicly traded company. IPOs are exciting investment opportunities, and are often exclusive events; the majority of the stock usually goes to institutions and well-connected individual investors. Historically, initial public offerings have performed extremely well in the after market (when the new stock trades freely on the stock market for the first time), and therefore are much sought-after investment opportunities. Why invest in IPO: An IPO has the potential to make you a good return in a short period of time. It is standard practice for IPOs to be priced below fair market value, so the stock rises in value immediately upon issue, clearing a healthy profit for initial shareholders.

5. Currency Futures In simple, currency futures are


Standard contracts of a specified quantity To exchange one currency for another At a specified date in the future called settlement date At a price that is fixed on the purchase date. Trading in Currency Derivatives The increased volatility in Foreign exchange rates had made a risk management tool in currency the need of the hour. To mitigate the currency risk and with the intention to provide a liquid and transparent market, SEBI and RBI have allowed screen based trading in currency futures for the first time in India in August 2008. The leading domestic Currency exchanges are National Stock Exchange (NSE), MCX Stock Exchange (MCX-SX) and United Stock Exchange (USE). Volumes in Currency Exchanges have consistently increased over the past two years. The combined daily average volume has increased from Rs.16,000 crs in Aug 2008 (in NSE) to 43,000 crs (NSE, MCXSX and USE ) in October 2010, showing a 3 fold increase.

Currency trading platforms helps for


Hedging: Minimize the risk arising from high volatility in forex markets. Daily Trading: Take advantage of daily movements in currency rates Low Margin: Trade in futures with very low margins and lesser risk. No Transaction cost:No Transaction charges are being levied to the clients, thereby making Currency trading feasible for even small profits.

Low Brokerage: A brokerage as low as Rs.15 allows client take advantage of the intraday market moves. Contract descriptions Trading in Currency Derivatives which was initially based on USD-INR, saw three other major pairs EUR-INR; GBP-INR AND JPY-INR join the race, since February 2010. Each currency pair has 12 contracts of one month duration. Advancing in this arena, NSE and USE has launched Currency Options on 29th October, 2010. Major participants As it carries the pulse of international markets, currency derivatives in Indian Exchanges provides immense opportunity for market participants viz, Hedgers, Day traders & Arbitrageurs.

Hedgers: Banks, importers, exporters and corporate who want to mitigate their forex risk arising due to high volatility in currency finds exchange traded Currency derivatives as a effective platform to minimize their risk exposure.

Traders: Traders take advantage from the range bound movements in Derivatives market to fetch profit, by parking a margin amount which is very less in comparison to other derivative product.

Arbitragers: Market participants often get opportunities to exploit the price differential of USD/INR between different markets. E.g. Price disparity between OTC forward markets and futures markets.

To take advantage of this growing market, we provide Currency trading platforms through our wide network of branches and also offer Internet Based Trading in Currency Futures.

6. Mutual Funds
Let the experts help you grow your money A Mutual Fund is a trust that pools together the savings of a number of investors who share a common financial goal. The fund manager invests this pool of money in securities, ranging from shares, debentures to money market instruments or in a mixture of equity and debt, depending upon the objective of the scheme. Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity to invest in a diversified, professionally managed basket of securities at a relatively low cost. Why Invest in Mutual Funds? Professional Management Fund managers are professionals who track the market on an ongoing basis. With their mix of professional qualification and market knowledge, they are better placed than the average investor to understand the markets. Diversification and Lowered Risks Since a mutual fund is a trust that pools the savings of a number of investors sharing a common financial goal, the associated risks are greatly reduced. This is also because a fund will invest your money in different types of instruments like shares and bonds. Hence, loss in one sphere will not greatly affect your overall investment status. Low Costs When compared to direct investments in the capital market, mutual funds cost less. This is due to savings in brokerage costs, Demat costs, depository costs, etc. Liquidity Investments in mutual funds are quite liquid and hence can be redeemed at the Net Assets Value (NAV)related price on any working day. Transparency All that you invest in a scheme is made known to you and you are periodically informed about all the updates and changes taking place

Flexibility Mutual funds offer flexibility in their options and schemes to match individual needs. Also, with features like regular withdrawal plans and systematic investment plans, you can withdraw or invest funds according to your needs and convenience. Choice of Schemes Mutual funds offer a vast variety of well-designed schemes and options that you can choose from depending on your risk appetite. Tax Benefits In India, these funds become even more attractive because of the tax advantage, indexation benefits, long term capital gains tax, tax free dividends and much more.

7. Insurance
Insure your life. Secure the future of your loved ones. Human life is subject to various kinds of risks. A life insurance policy insures against risks of death and disability due to natural and accidental causes. Insurance products provides a definite amount of money to the dependants of the insured person in case he dies during his active income earning period or becomes disabled on account of an accident causing reduction or complete loss in his earnings. Thus, buying an insurance policy is a wise move for every individual.

Insurance can also be a form of savings in the long run if you choose the option of regular contribution in the policy. One can tie the entire plan with a pension plan or contribute to a pension that is funded by a life insurance company. There are many facets of a life insurance policy; like there are products that offer protection coupled with savings. Why choose Life Insurance?

Customised life insurance solutions to suit your preferences Transparency at every transaction, and you are periodically updated on the latest happening Flexibility of choices with features like systematic investment and regular withdrawal plans Attractive tax advantage through varied scheme options to choose Varied well-designed schemes to cater to individual needs

8. Alternative Investments
Most investors choose common investment options which reduce their earnings and capital growth. The alternate route for investments from the traditional asset class, like the name suggests are Alternative investments. All investments which are not of the type of equities, bonds and stocks are categorized under this asset class. Alternative investments are favored mainly because their returns have a low correlation with those of standard asset classes The sustained risk adjusted returns of alternative investments, have made them increasingly important and provide a well balanced and diversification to the portfolio. Why choose Alternative Investments?

Professionally managed by people with knowledge and expertise to understand market situations

Transparency at every level with regular updates on changing status Varied choice of schemes designed to suit individual needs Easy liquidity is ensured through varied features Wide range of tenures Diversity and lower risks Good profit generating opportunities

9. Fixed Deposits
A safe way to grow your money A Fixed Deposit will deposit a certain amount of money with a financial institution for a fixed term at a predetermined rate. You are given the option of receiving interest income on a monthly, quarterly, biannually and annually, at interest rates higher than banks. Why opt for Fixed Deposits?

If your risk appetite is low, fixed deposits are perfect for you. Since most of the instruments are rated, fixed deposits have a very high safety level.

Attractive returns at interest rates higher than banks. You get a stable and fixed source of income.

Interest rates are even higher for senior citizens. High liquidity; most of these issuers offer 75% of the investment amount as loan @ 2% over the interest rate on the deposit, as well as a pre-mature withdrawal.

You have the potential to earn compounding interest on your money by reinvesting the principal amount along with the interest earned.

Flexible tenure there are various tenures ranging from 1 to 7 years. You can receive interest frequently; most issuers will offer monthly, quarterly, bi annual and annual cumulative deposits.

The operational process is extremely simple; there is no PAN requirement with fixed deposits.

You get direct ECS credit facility for interest payments or advance interest warrants for the year issued by most companies.

No TDS for interest payments upto Rs. 5000/- per financial year.

10. General Insurance


General Insurance gives you financial protection against any uncertain financial event. You can insure your house and belongings against fire and theft, your vehicle against theft and damage from accidents, or injury to yourself or loved ones for hospitalisation, illness, and surgery. Liabilities to others arising out of the law can also be insured (and is compulsory in some cases like motor third party insurance). Types of General Insurance Motor Insurance: Motor Insurance is a wide comprehensive cover designed to provide protection to you & your car. Protection from loss of car or damage to the car giving a secured driving. Medical & Health Insurance: Medical & Health Insurance is an insurance policy which is designed to cover the cost of private medical treatment, which can be very expensive, especially with hospitalisation and surgery

Home Insurance: Home Insurance policy provides a cover to the structure and contents of your home from all unforeseen natural & man-made catastrophes. Travel Insurance: Travel Insurance / Overseas Medi-claim policy is a basic requirement when one travels abroad, either its for business, sight-seeing,shopping or pleasure. Personal Accident: Personal Accident insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. Benefits of General Insurance

Buying general insurance policies are a provision in case of any uncertain loss that might come up during the normal course of activities.

An insurance cover hence rids you of the tension and the financial burden that you would suffer in case of a calamity.

The coverage period for most general insurance policies and plans is usually one year, whereby premiums are normally paid on a one-time basis.

11.Health Plan
Prevention is better than cure, focus on your loved ones health today A Health Plan helps take care of an individuals day-to-day preventive and pre-hospitalisation medical expenses. A Health Plan member benefits by getting services of high quality doctors, dentist, pathology and radiology at significantly reduced cost. It covers virtually all doctor specialisations without any exclusion criteria like age, present medical condition etc. Why choose a Health Plan?

Be guided as per your requirements to some of the best medical practitioners in India. Avail of free or subsidised medical consultations/ treatments across the network of empanelled medical practitioners.

No restrictions based on age or present or past medical condition suitable for all family members.

No pre-defined spending limits or lengthy claim procedures.

12.Property Services
Looking for you dream house, that ideal space where you can bring up your children and retire comfortably? Be it bungalows or apartments; our database of builders, development projects and available real estate helps you identify the perfect address for your home. Our comprehensive search can instantly access property information right from your neighborhood to anywhere across the country. We help you identify the best space available, negotiate the best price, and advise you on payment schedules, so that you always get the best property deals with Aditya Birla Money Property Services. Why Invest with us

Find precise, up to date information on all properties in our portfolio. Unbiased advice to evaluate competing offers for best fit-to-need solution. Assistance in Price negotiation, site visits and transaction paperwork. Regular e-mails on new properties available in the city of your interest. 24x7 access to property information on web.

13.Depository Participant
A Depository refers to An organization that facilitates holding of securities in the electronic form and enables DPs to provide services to investors relating to transaction in securities. A Depository Participant (DP) can be a financial organization like banks, brokers, financial institutions, custodians, etc., acting as an agent of the Depository to make its services available to the investors. There are two depositories in India, namely NSDL and CDSL. Why open a DP account Safe & Convenient

It is a a Safe and Convenient way of holding securities (equity and debt instruments both). Lower Charges Transactions involving physical securities are costlier than those involving dematerialised securities (just like the transactions through a bank teller are costlier than ATM transactions). Therefore, charges applicable to an investor are lesser for each transaction. Quick Transfer Securities can be transferred at an instruction immediately.

Increased liquidity Securities can be sold at any time during the trading hours (between 9 AM to 3:30 PM on all working days), and payment can be received in a very short period of time. Elimination of Risks Risks like forgery, thefts, bad delivery, delays in transfer etc, associated with physical certificates, are eliminated. Convenience Any change in address or bank account details can be electronically intimated to all companies in which investor holds any securities, without having to inform each of them separately. Auto Credit Shares arising out of bonus, split, consolidation, merger etc. are automatically credited into the demat account of the investor. Shares allotted in public issues are directly credited into demat account of the applicants in quick time.

CEO
Mr. Sudhakar Ramasubramanian took over as Managing Director of Aditya Birla Money Ltd (ABML) and CEO of Aditya Birla Money Mart Ltd (ABMML) with effect from February 2011.

He joined Aditya Birla Financial Services Group (ABFSG) from the Aditya Birla Group (ABG) in March 2009, as Executive Director of Aditya Birla Money and held the position till December 2010. Subsequently, in January 2010, he moved to Aditya Birla Finance Ltd (ABFL) as the CEO and scaled it to greater heights. Through this period he continued to remain as a Director on the Board of ABML.

Prior to joining ABFSG, he was President & Head of the Corporate Strategy & Business Development team at ABG. In this role, he worked with the group businesses in developing their business strategy and executing strategic initiatives identified, including international business development, alliances and M&As. He also led new business development for ABG.

Sudhakar has a work experience of 21 years in several corporate and line roles in large organizations. In ABG, he started his career in the Equity Brokerage arm and has been with the group for over 15 years in various businesses. He has also played an important role in developing new businesses like Life Insurance & BPO and in other M&A activities of the group.

He holds a Management Degree from the Indian Institute of Management, Ahmedabad and is also a Cost Accountant.

Mr. Girish Venkat

- Head Wealth Management

Educational Qualifications Experience

B.Com, MBA, Mumbai Girish brings with him 14 years of rich experience in Financial Services. In his last assignment with ICICI Bank, he was designated as Head - Global Private Client Group. Before that he was Regional Head - Gujarat (Operations, Liability Sales & Fee Income) at ICICI Bank Limited. Prior to ABMML he has worked with companies like Lloyds Finance Limited, Lexicon Finance Ltd & Harvest Finance Ltd.

Mr. Manoj S Chauhan -Head Retail and Institutional Sales

Educational Qualifications Experience

PMIR and MBA, Gwalior Manoj brings with him a rich experience of 15 years in sales and distribution. Prior to joining ABMML Manoj was National Head - Theatrical Distribution in Reliance Adlabs Films Limited. Before that he was Country Head - Sales and Distribution at Reliance Life Insurance Company. He has also worked with General Insurance arm of Reliance Capital. Prior to this he has worked with companies like Blow Plast, Gillette, Coca Cola India, ICICI Bank in sales and distribution.

Mr. Lal Tahilramani

- Head Finance & Accounts

Educational Qualifications Experience

PMIR Lal brings with him a rich experience of 13 years in Finance, MIS and Audit reporting. Prior to joining ABMML he was Manager Accounts in Nimbus Communications Ltd. Before that he was with Batliboi Ltd as Assistant Manager Accounts & Finance.

Mr. Mohit Saxena

- AVP Products

Educational Qualifications Experience

B.Com ,MBA (MMS, Mumbai) Mohit is responsible for Products, System and Processes for Wealth Management clients and segment at Aditya Birla Money. He came onboard in Oct. 2008 and brings with him a rich experience of over 15 years in Financial Services. Prior to joining us, he was AGM - Private Banking Products in ICICI Bank Ltd. and has also worked with companies like Bank of India Finance.

Mr. L S Srinivas

- Head Human Resources

Educational Qualifications Experience

B.Com and PGDPM, XLRI Mr. L. S. Srinivas joined the company in 2010. He has a total work experience of over 19 years across various industries like Manufacturing, IT and Finance, both in India and abroad. Prior to this he has worked with Aditya Birla Finance Limited as VP Human Resources for over 4 years. He currently heads the HR portfolio at Aditya Birla Money Ltd. & Aditya Birla Money Mart Ltd.

Registered Office Indian Rayon Compound, Veraval - 362 266, Gujarat. Website: www.adityabirlamoney.com

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