PRESENTING TO YOU

the UNIQUE FINANCIAL SERVICE PROVIDER

WHICH IS ASSOCIATED AS BUSINESS PArTNER
OF VARIOUS NATIONal & Multinational ORGANIZ
ATION TO PROVIDE ITS CUSTOMER CANDID
AND TRANSPARENT ADVICES AND SERVICES TO
Grow THEIR FUNDS AND LOAN AT MOST
REASONABLE PRISES.

5/27/17 1
5/27/17 2
 niche .financial servic es

Icici bank ltd

Pintu Prasd
.home loan manager sales &service s

.Sme loan MOBIL NO. 8697551618

Email-
pintu.prasad@nichefinsrvc.info

.General insurance(sbi)

.mutual funds
.Share trading

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 "Necessity is mother of invention "
This statement is very much true for the origin of this company. In this
global competitive world where every people is searching the way to
preserve their future, there was necessity of niche financial organization
which can give saver place to people to build their identity in groping
world.
This circumstances gave birth to aNiche Financial
Services .with the vision of catering premium level of financial services to
optimum to optimum clients. This company is not only transparent with its
vision and mission ,rather very candid to its clients.
The company has been lunched with the radius of horizon of products like
Loans,(Home,SME,LAP,BL) Mutual Funds ,Securities, ,(General & Life )
insurance.
The government of India is implementing the laws in spectrum

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enforcing optimum priority to cashless & cash flow economy.
In this scenario the instrument like MUTUAL FUNDS will show the robust
growth ,which has been orientated with such permutation & combination
that it becomes risk less investment.
At the same time the economical growth blocking instrument s are been
discouraged by the government..
so the growth in gold has not been seen since long.

The reduction in rate of interest is empowering the entities for cash

flow
in fact it is ignition to generate energy for manufacturer ,real estate
industries.
These step of government will generate employment which will develop the
economy ."
Hence this company taking investment to distribute these funds
in various entities through mutual funds , securities ,govt. securities
,bonds ,corporate debentures ,insurance and cater the benefit of cashless &
cash flow economy, to each and every investors.

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 These investments are protected by the government regulatory
organization SEBI"SECURITIES , EXCHANGE BOARD OF INDIA".
It is government body like RBI "RESERVE BANK OF
INDIA " which regulate the Register of all the company listed in
SEBI,AMFI etc.
So invertors fearlessly can invest in these instruments
having trust on us
and at same time on SEBI.
We are not limited to just investment
rather we are at the same time catering services through loans to
the needy people .
The company is associated as DSA (Direct sells
agent )of various banking and non banking finance organization to
provide loans to their clients.

Regards Pintu Prasad (CEO)

5/27/17 6
 ADDRESS;

VIDYA SAGAR PALLY

NEHRU ROAD
KHALPARA
SILIGURI-734405
DIST. DARJEELING
Landline-03532503781
WEBSITE-
WWW.NICHEFINANCIALSERVICES.INFO

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 CATER PREMIUM LEVEL OF SERVICES TO our MOST
OPTIMUM NUMBER OF CLIENTS.

Build good relation with the clients so that they can be

loyal to us , help them to grow simultaneously we also
grow alone with them .

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 Range of Interest rates for Mortgage Loans

Quarter
ended
onDecem Minimum Maximum Mean
ber
2016C

Home
8.90% 12.20% 9.23%
Loan
Non Home
9.05% 13.85% 10.19%
Loan

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 HOME LOANS DETAIL
ICICI BANK LTD
DOCUMEN
TS;Application form with YES YES YES
photograph duly signed

Identity, residence and age

YES YES YES
proof

Last 6 months bank

YES YES YES
statements

Last 3 months Salary-slips YES YES

Processing fee cheque YES YES YES

Form 16 / Income Tax Returns YES YES YES

Proof of business existence YES

Business profile YES

Education qualification
certificate and proof of YES YES
business existence

Last 3 years Income Tax

Returns with computation of YES YES
Income

Last 3 years CA Certified /

Audited Balance Sheet and YES YES
Profit & Loss Account

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 Post closure of loan, documents required for handover of original
Property documents
Power Of Attorney format for collection of original Property
documents
In case of death of Loan Account holder:
o Request letter from the Legal Heir/ Claimant/ Nominee(s)
for handover of Property documents
o Letter of relinquishment for relinquishing right (Nominee/
Legal heir) in favour of Legal Heirs/ Nominees/ surviving
owners for handover of Property documents

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 Charges Mortgages Loans

Loan Processing
Charges /
0.50% - 1.00% of the loan amount or Rs. 1500/- (Rs. 2000/- for Mumbai, Delhi & Bangalore),
Renewal
whichever is higher + applicable Service Tax & Surcharge
Charges (Non
Refundable)

Nil for Home Loans and Home Improvement Loans with floating rate of interest.
2% plus applicable taxes on principal outstanding* on full repayment for Home Loans with
fixed rate of interest.
2% plus applicable taxes on principal outstanding* on full repayment for Top Up loan if the
applicant or co-applicant is Non Individual.
Prepayment
4% plus applicable taxes on principal outstanding* where loan** is given to Non Individual
Charges
borrowers or with fixed rate of interest to Individual borrowers.
*Current principal outstanding and all amounts tendered by the borrower towards prepayment
of the Facility during the last one year from the date of final prepayment.
**Home Equity Loan/Home Equity Enhancement Loan, Office Premises Loan and Lease
Rental Discounting Loan.

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Charges for late payment
Conversion charges for home
loan
5/27/17
Home Loans: 2% per month
Home OD : 1.5% of the
outstanding amount subject to
minimum of Rs. 500/- &
Maximum of Rs.5000/-
Floating to Floating 0.5% of the
principal outstanding plus applicable
taxes
Dual fixed rate to Floating 0.5% of
the principal outstanding plus
applicable taxes
Floating to Dual fixed rate 0.5% of
the principal outstanding plus
applicable taxes
Life time fixed to floating 1.75% of
the principal outstanding plus
applicable taxes
13
 Repayment mode swap Charges 500/-

Document Retrieval Charges 500/-

Cheque/AD/ECS bounce charges 500/-

Amortisation Schedule Nil

Statement of Account Nil

Final prepayment statement Nil

Duplicate No Objection Certificate / No Due
100
Certificate

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 Agreement Copy Nil

No Objection
Certificate / No Due Nil
Certificate
5000 (The Administrative charges are a one-time
nonrefundable charges collected by the Lender for
the purpose of appraising the valuation and legal
verification of property to ascertain suitability of
Administrative charges
accepting the property for mortgage and the same is
independent of the outcome /result of such appraisal.
Please note that the administrative charges are
payable at the time of disbursement of the Facility)
CIBIL Report Charges 50

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 MUTUAL FUND RESERCH ANALYTIC
FUNDS

MUTUAL FUNDS NAME

Large cap FYTD

Return % Rank

Birla Sun Life Top 100 Fund 13.55 4

SBI Bluechip Fund 10.24 13

Reliance Focused Large Cap Fund 13.40 6

Birla Sun Life Frontline Equity Fund 12.95 7

UTI Bluechip Flexicap Fund 7.85 22

Kotak 50 Regular Plan 8.83 18

Canara Robeco Large Cap+ Fund - Regular Plan 8.47 19

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 Canara Robeco Large Cap+ Fund - Regular Plan 8.47 19

Diversified
ICICI Prudential Value Discovery Fund - Regular Plan 12.38 34
Birla Sun Life Equity Fund 23.54 2
Franklin India High Growth Companies Fund 13.50 29
UTI Opportunities Fund 8.64 48
SBI Magnum Multicap Fund 12.81 32
Invesco India Growth Fund 11.71 38
Mirae Asset India Opportunities Fund - Regular Plan 16.38 20
Sundaram Equity Multiplier Fund 16.16 21
Reliance Top 200 Fund - Retail Plan 11.98 36

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 Reliance Top 200 Fund - Retail Plan 11.98 36

Dividend Yield
HSBC Dividend Yield Equity Fund 13.54 5
UTI Dividend Yield Fund 12.35 7
Principal Dividend Yield Fund 19.20 2
Tata Dividend Yield Fund - Regular Plan 13.67 4

ELSS

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 ELSS
Axis Long Term Equity Fund 5.93 22
Birla Sun Life Tax Relief 96 10.57 16
Reliance Tax Saver Fund 15.98 8
Invesco India Tax Plan 11.62 15
DSP BlackRock Tax Saver Fund 18.20 3
ICICI Prudential Long Term Equity Fund (Tax Saving) 14.44 9

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 ICICI Prudential Long Term Equity Fund (Tax Saving) 14.44 9

Infrastaturefund
Franklin Build India Fund 16.72 8
Canara Robeco Infrastructure Fund - Regular Plan 13.23 14
UTI Infrastructure Fund 18.00 6

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 ICICI Prudential Long Term Equity Fund (Tax Saving) 14.44 9

Infrastaturefund
Franklin Build India Fund 16.72 8
Canara Robeco Infrastructure Fund - Regular Plan 13.23 14
UTI Infrastructure Fund 18.00 6

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 UTI Infrastructure Fund 18.00 6

Midcap
UTI Mid Cap Fund 14.44 25
Mirae Asset Emerging Bluechip Fund - Regular Plan 24.66 3
HDFC Mid-Cap Opportunities Fund 21.99 8
Kotak Mid-Cap Regular Plan 17.02 19
Reliance Mid & Small Cap Fund 22.47 6
DHFL Pramerica Midcap Opportunities Fund -
Regular Plan 12.76 28
Sundaram Select Midcap Fund - Regular Plan 22.83 5
Franklin India Prima Fund 15.76 21

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 INRODUCTION OF THE
MANAGER

PINTU PRASAD

BSc. MBA(FINANCE)

Contact No.: + 91 08697551618

Landline-0353-2503781
E-mail:pintu.prasad@nichefinsrvc.info

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5/27/17 24
 INDUSTRIAL EXPERIENCE

ICICI Bank Post: Customer Service Officer

Period: 2008 March To 2013 June.
Job Profile: Generate leads throuh & Collecting NPA
Selling Current, Saving & Demat account and loans, Handling the
customer at service Recovery of the NPA.

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 ACADEMICS

MBA from United Business Institute from

Belgium university SCORE 70%

T.Y. B.Sc. Graduate from North Bengal
University SCORE 42%


Higher Secondary Certificate (H.S.C) from
AISSE SCORE 57%

Secondary School Certificate (S.S.C) from
CBSE SCORE 67%

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 Experience of PVT &HNI customer with
Retail & Corporate Banking
Deep knowledge of financial products like
Web trade, Consumer Loan , Home loan
,MUTUAL FUND ,DSMG, MERCHANT
SERVICES in term of POS(EDC MACHINE)

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 BIRLA SUN LIFE INSURANCE Post: Agency Manager
--------------------------------------- Period: 2013 August TO 2014
February
Job Profile: Managing Advisors

ICICI PRUDENTIAL LIFE INSURANCE: Post: AFSM (Bancaassurance)

Period 2014February to 2015 May

JOB PROFILE: Increase in no. CAFS/Active

branches. Training CAFS, encourage ICICI BANK staff to become CAFS. Arranging training
program of CIFS on products and selling. Incre ase productivity of CAFS.

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 30
25
20
15
10 BSLT100F
5 IPVDF -R
BSLFEF
0

5/27/17 29
 GRAPHIC REPRESENTATION OF LARGE CAP YIELD
25

20
BSLT100F
15
SBIBF
10 RFLCF
BSLFEF
5 UTIBFF
K50RP
0
CRLCFRF

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 GRAPHICAL REPRESENTATION OF DIVERSIFIES
FUNDS
18
16
14
12
IPVDFRP2
10
BSLIEF
8
6 FIHGCF
4 UTIOF
2 SBIMMF
0 Column4

5/27/17 31
 GRAPHICAL REPRESENTATAION OF
MIDCAPFUNDS

YIELDS
40
30
20
10
0

UTIMCF MAEBF-R HMCOF KMCRP

RMSMF DPMOF DPMOF2 FIPF

5/27/17 32
GRAPHICAL35REPRESENTATION OF ELSS FUNDS
30
25
20 ALTEF
BSLTRF9
15
RTSF
10 IITP
5 DBRTSF
0 IPLTEF

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 GRAPHICAL REPRESENTATION OF CHILDREN FUNDS

25

20

15

10 HCGF-IP
UCAF
5 IPCCP-SP-RP

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 20
18
16
14
12
10
8
6 IPLTF-RP
4 Column1
2
0

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 GENERAL INSURANCE

1.HEALTH INSURANCe
CLASSFICATION OF HEALTH INSURANCE PRODUCTS
HOSPITALIZATION INDEMNITY PRODUCTS
INPATIENTS HOSPITALIZATION EXPENCES
PRE &POST HOSPITALIZATION EXPENCES
DOMICILIARY EXPENCES

2. FIXED BENEFIT COVERS

a.HOSPITAL CASH

b. CRITICAL ILLNESS
3.LONG TEM CARE INSURANCE
4.COMBI PRODUCT

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5.MICRO INSURANCE & HEALTH INSURANCE FOR POORER
SECTION
6.PERSONAL ACCIDENT & DISABILITY COVER
7.OVERSEAS TRAVEL INSURANCE

8.GROUP HEALTH COVEr

a. SCOPE OF COVERAGE

b. TAILOR MADE COVERAGE

c. MATERNITY COVER

d. CHILD COVER

e. PRE -EXISTING DISEASES COVER

f. NON-EMPLOYER EMPLOYEE GROUP

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 4.PERSONAL & RETAIL INSURANCE
CLASSIFICATION OF PERSONAL & RETAIL INSURANCE

2.MOTOR INSURANCE

A.Car
B.BUS
C.TRUCK
D.MOTOR BIKE
E. LORRY & CRANE

5.SHOPKEEPERS INSURANCE
a. BURGLARY AND HOUSEBREAKING

b. MACHINERY BREAKDOWN
c. ELECTRONIC EQUIPMENT AND APPLIANCES

d. MONEY INSURANCE

e. BAGGAGE

f. FIX ED PLATE GLASS AND SANITARY FITTINGS

g. PERSONAL ACCIDENT

h. INFEDITY /DIHONESTY OF EMPLOYEE

i. LEGAL LIABILITIES
5/27/17 38
 3.COMMERCIAL INSURANCE

a.PROPERTY FIRE INSURANCE

b.INTERRUPTION INSURANCE

c.BANKER INDEMNITY INSURANCE

4. jewelers block policy

5.ENGINEERING INSURANCE

a. CONTRACTOR ALL RICKS

b. CONTRACTOR PLANT & MACHINARY

c. ERECTION ALL RICKS

d. MACHINARY BREAK DOWN POLICY

e. BOILER AND PRESSURE PLANT POLICY

f. MACHINERY LOSS OF PROFITS

g. DETERIORATION OF STOCK POLICY

h. ELETRICAL EQIPMENT POLICY
5/27/17 39
 6.MARINE INSURANCE
a.MARINE CARGO INSURANCE

b.MARINE HULL INSURANCE

7.LIABILITIES POLICY

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