Personal Finance Blog India –

8.05% Mahindra & Mahindra Financial Services NCD July 2017:

Non-banking finance arm of Mahindra Group – Mahindra finance will raise Rs.2000 crore through unsecured,subordinated NCDs. Interest will be paid annually with coupon rates ranging from 7.85% to 8.05%.Demat mode is compulsory to invest in this NCD issue.

Details of Mahindra Finance NCD issue July 2017 are as follows:

Imp Dates:

  1. Issue Open date:July 10, 2017.
  2. Issue Close date:July 28, 2017.

Interest/Coupon rates:

For HNIs and Retail individual investors:

Mahindra Finance NCD July 2017


Other Details:

  1. DEMAT mode only:Issuance of NCDs will be only in demat mode.
  2. Credit Rating: BWR AAA / IND AAA.Both indicated highest rating.
  3. Listing: NCDs will be listed at BSE
  4. Call option: Company can use Call option for NCDs of 15 yr tenure and can redeem them with 10 yrs option.But there won’t be put option from investors side.They can sell NCDs in secondary market only.

ELSS Schemes – IRR Of Systematic Investment

ELSS -Equity Linked Saving Schemes are eligible for deductions u/s 80C.

Here we have listed all mutual fund schemes with their IRR for systematic investment for period of last 03,05 and 10 years.

ELSS SIP Returns

Please note:

  1. Systematic investment period is considered up to April 2017 , Valuation as on 13th May 2017 and SIP date is 10th of every month.
  2. Schemes which has completed at least 03 yrs and with growth option has considered only.
  3. Past performance is not guarantee of future performance.

20-20:Mutual Funds With 20 Yr Track Record & 20% CAGR / IRR:

Just to give a look,what we have missed if not invested for last two decades.

Here we have compiled list of mutual fund schemes which are 20 yr old and have offered 20%+ returns in terms of CAGR -Compounded annual growth returns and IRR – if invested systematically.

Schemes which have offered 20%+ IRR:

This table gives idea if any investor have invested Rs.10,000 per month since April 1997


Schemes which have offered 20%+ CAGR:

CAGR is for lump sum investment of Rs. 1 Lakh made on April 01, 1997:

Best mutual funds 2017

  1. Past performance of any scheme is not guarantee of future performance.
  2. We agree that two decades back Rs.10,000 per month was very high amount for retail investor to invest.
  3. Investor should not expect such high returns in future as economy have moved towards much more saturation in last two decades.
  4. Fund which have offered best in terms of IRR,may or may not offer same best performance in terms of lump sum investment.
  5. Mid cap funds have offered higher returns than large caps but with higher volatility.
  6. To optimize returns,One can use combination of SIP and lump sum.Invest lump sum when market becomes cheaper.

So,whats your view about equity for next decades?How do you invest in mutual funds?Do you think mutual funds will beat the broader market in future also?


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