Sunteți pe pagina 1din 16

Company Profile

Shriram fortune Solutions Ltd. is one of the leading integrated financial services
Company of India Backed by Shriram Group of Chennai. Today, SFSL is a premier
financial distribution company and ranks among the top players in this business segment.
SFSL offers financial planning solutions which are facilitated mainly through four
products, Mutual Funds, Life Insurance, General Insurance and Deposits. These products
and solutions are supported by knowledge, expertise and experience of 53,863 loyal
Business Associates and 1146 employees.
SFSL has a direct presence through more than 72 branches and an indirect presence in
more than 289 locations throughout the country. The Company taps into the 7-lakh strong
Pan-India customer base of the Shriram Group, as well as new clients through newer
channels creating a huge demand for Investment & Insurance Products. Our goal is to
become one of the top distributors of financial products.
We are aggressively growing our business, our market share, and our sales and support
teams. Our philosophy is to provide producers with exciting, revenue-generating ideas
that successfully translate into wealth planning solutions for customers. With the strong
support of the entire Shriram Group and a robust working model, SFSL is on its way to
achieve the Vision "Improving lives by providing innovative financial solutions for
protection and prosperity."

Introductions
Shriram Group, established in 1974, is among the leading corporate houses in India and is
a major player in the Indian financial services sector. The Shriram Groups focus is on
financial services that reach out to a large number of common people providing them
opportunities to improve their prosperity. Financial Services constitute the core business
of the Group, with Shriram being a clear leader in the truck financing and chit business.
Shriram Transport Finance Company, is the flagship company of the Group, It is the
largest Commercial Vehicle Financing NBFC in the country. Chit Fund Business of the
Shriram Group is Numero Uno in the industry across India. In Consumer Finance, the
Shriram Group has major presence in South India.
Shriram Group had entered the insurance business with a long term focus and to provide
better value and service to the customer. It has partnered with Sanlam, a leading insurer in
South Africa, for both Life and Non Life Insurance business. The Group had entered in
the life Insurance business in December05 and launched its Non-Life insurance business
in July08.
The Group is currently focusing in a major way in the distribution of financial products
including stock broking business and wealth management. Shriram Group has been
pursuing diversification in areas other than financial services. Currently the group has
presence in project engineering, property development, auto ancillaries and software
services and is also looking to enter other industries. The group has partnered with many

domestic and foreign partners. Due to its large size, reach and reputation it enjoys the
patronage of a large number of banks and financial institutions.
Shriram Network is one of its kind in India having presence in virtually every state in the
country with high level of penetration in the Southern States.
Network Size at a Glance
Components

Growth

Assets under Management (Rs. Cr.)

Over 60,000

Branch Network (Nos.)

Over 2,400

Manpower Strength (Nos.)

Over 45,000

Customer Base (Nos.)

Over 95,00,000 (9.5 million)

Management Team
RP Singh - MD & CEO
Naveen Agrawal - Head Finance & Accounts
Amit Bhargava - Head - Human Resources
Rajneesh Bhardwaj - Head Customer Service & Strategy
Pankaj Puri - Head General Insurance
Deepak Bhasin - Product Head Mutual Fund & Wealth Management
Kapil Chawla - Product Head Life Insurance & Channel development
Mohit Sharan - Head - MIS and R&R
G.L. Vinod Kumar - Regional Head - South 1
Ajay Bobal - Regional Head North
Jaysing Patil - Regional Head - West
K N Pandey - Regional Head -Central
Ajit Majumdar - Regional Head South 2
Chandramouleeswaran M V - Regional Head - South 3
Company profile
Company Description: Shriram fortune Solutions Ltd. is one of the leading integrated
financial services Company of India Backed by Shriram Group of Chennai. Today, SFSL
is a premier financial distribution company and ranks among the top players in this
business segment. SFSL offers financial planning solutions which are facilitated mainly
through four products, Mutual Funds, Life Insurance and Deposits. These products and
solutions are supported by knowledge, expertise and experience of 80,000 loyal Business
Associates and 1200 employees. SFSL has a direct presence through more than 100
branches and an indirect presence in more than 330 locations throughout the country. The

Company taps into the 40-lakh strong Pan-India customer base of the Shriram Group, as
well as new clients through newer channels creating a huge demand for Investment &
Insurance Products. Our goal is to become one of the top distributors of financial
products. We are aggressively growing our business, our market share, and our sales and
support teams. Our philosophy is to provide producers with exciting, revenue-generating
ideas that successfully translate into wealth planning solutions for customers. With the
strong support of the entire Shriram Group and a robust working model, SFSL is on its
way to achieve the Vision "To become the most successful and admired Financial
Services distribution Super Power House."
Deposit
The Flagship Company of Shriram Group, Shriram Transport Finance co ltd is India's
largest asset financing institution. Headquartered in Mumbai and with a pan India
presence, Shriram Transport provides accessible, affordable commercial vehicle finance
to almost 6,00,000 customers.
Shriram City Union Finance (SHRIRAM City) is a deposit-accepting non-banking
financial company (NBFC), SHRIRAM City is today Indias premier financial services
company, specializing in retails finance.
1 Home
2 Life Insurance
Shriram Life Insurance

Shriram
Life
Insurance
Company (commenced operation
in 2006), is a JV between Shriram
Group and Sanlam group of South
Africa. Sanlam Group with an
asset base of over US $ 70 billion
has in its fold the No.1 short term insurer, the second largest life insurer and the second
largest fund manager in South Africa.
SLIC has been the first private sector insurance company in India to earn profits for the
first 4 years of operations. This performance has placed it in the 4th position among 14
life insurers in India within 3 years of commencing operations. SLIC benefits from
Shriram Groups expertise in building and effectively operating low cost networks. SLIC
has the advantage of sharing branch network of Shriram Group companies to access more
customers while minimizing costs.
Shriram Life has a customer base of 1.6 million.
Year
Head
2008
2009
2010
2011
2012
Income (INR cr)

392

488

625

834

662

PAT (INR cr)

(18)

17

56

Net Worth (INR cr)

142

150

133

200

256

3 Home
4 General Insurance
Shriram General Insurance
Shrirams foray into the
General insurance industry was
with its partner in its life
insurance foray Sanlam.
The General Insurance business
in India has gone through
significant changes both in
terms of new private players entering the Industry as well as the changes in the regulatory
landscapes.
Shriram with its huge captive transportation customers/business focused its entire
energies on addressing this target market and ensuring visible benefits to the
transportation community.
SGIC was recently awarded the Excellence in growth Award at THE INDIA
INSURANCE AWARDS 2011- 2012. SGIC was conferred this award for their
outstanding growth within only 3 years of inception, by a highly eminent jury.
Head

Year
2009

2010

2011

2012

Income (INR cr)

114

417

781

1,266

PAT (INR cr)

(4)

16

13

62

Net Worth (INR cr)

105

117

130

234

Mutual Funds
common Investor neither have
skills / expertise nor have the
huge capital / time to directly
invest and also track his
investments in capital & bond
markets. mutual funds are the
best investment instruments for
long term wealth creation for a common man.
Investing in a Mutual fund offers an excellent for diversifying risk as well as Investment
portfolio.
What is Mutual Fund?
A mutual fund pools the money of various investors having common objective with a
view to invest in various securities. Mutual funds may invest in variety ofinstruments like

stocks, bonds, money market securities, gold or a combination of these which provides
diversification to your investments. These schemes are professionally managed on behalf
of the investors to help them attain their financial goals.
Benefits of Investing
5 Professional Management of money
6 Diversification to your Portfolio
7 Low cost of investment due to economies of sale
8 Well regulated
9 Diversification to your Portfolio
10 Highly Liquid in Nature
11 No Entry Loads
SIP Investing Plan
One of the mechanisms of investing in Mutual Funds is through Systematic Investment
Plan (SIP) which enables you to prepare for your future by inculcating the idea of
disciplined investing which allows you to benefit from the powerful tool of rupee-cost
averaging & power of compounding. Systematic Investment Plans as one of the tools of
financial planning aims at wealth creation by investing small sums of money at regular
intervals over a period of time. SIP propagates the idea of investing at an early stage in
life that allows investors to seek their financial goal by resting on pillars of discipline &
consistency. SIP eliminate the human bias. It encourages investments at all times,
irrespective of the market levels. SIP investments average out market volatility by a good
measure.
Advantages of Investing in an SIP:
12 Disciplined approach towards investing
13 SIPS can be started even with the small amount of INR 500 or INR 1000.
14 Through SIP, you cannot go wrong with the timing of investments due to continuity
of investments over a period of time.
15 Road map to save for big events in life like child's education, child's marriage,
buying a house step by step.
16 The thumb rule of compounding serves as effective tool for wealth creationby
reaping cumulative returns over the years.
17 The principle of rupee-cost enables you to lower the average cost of investment.
18 Equity Fund
19 Debt Funds
20 Hybrid Funds
21 Other Schemes
22 Downloads
23

These funds invest a maximum part of their corpus into equities holdings. The structure
of the fund may vary different for different schemes and the fund manager's outlook on
different stocks.
The Equity Funds are sub-classified depending upon their investment objective, as
follows:
24
25
26
27

Diversified Equity Fund


Mid Caps Fund
Sector Specific Funds
Tax Saving Funds (ELSS)

Debt Funds
The objective of these Funds is to invest in debt papers. Government authorities, private
companies, banks and financial institutions are some of the major issuers of debt papers.
By investing in debt instruments, these funds ensure low risk and provide stable income
to the investors. Debt funds are further classified as:
28 Gilt Funds: Invest their corpus in securities issued by Government, popularly known
as Government of India debt papers. These Funds carry zero Default risk but are
associated with Interest Rate risk. These schemes are safer as they invest in papers
backed by Government.
29 Income Funds: Invest a major portion into various debt instruments such as bonds,
corporate debentures and Government securities.
30 MIPs: Invests maximum of their total corpus in debt instruments while they take
minimum exposure in equities. It gets benefit of both equity and debt market. These
scheme ranks slightly high on the risk-return matrix when compared with other debt
schemes.
31 Short Term Plans (STPs): Meant for investment horizon for three to six months.
These funds primarily invest in short term papers like Certificate of Deposits (CDs) and
Commercial Papers (CPs). Some portion of the corpus is also invested in corporate
debentures.
32 Liquid Funds: Also known as Money Market Schemes, These funds provides easy
liquidity and preservation of capital. These schemes invest in short-term instruments like
Treasury Bills, inter-bank call money market, CPs and CDs. These funds are meant for
short-term cash management of corporate houses and are meant for an investment
horizon of 1day to 3 months. These schemes rank low on risk-return matrix and are
considered to be the safest amongst all categories of mutual funds.
Hybrid Funds
As the name suggest they, are a mix of both equity and debt funds. They invest in both
equities and fixed income securities, which are in line with pre-defined investment
objective of the scheme. These schemes aim to provide investors with the best of both the
worlds. Equity part provides growth and the debt part provides stability in returns.
Further the mutual funds can be broadly classified on the basis of investment parameter
viz, Each category of funds is backed by an investment philosophy, which is pre-defined
in the objectives of the fund. The investor can align his own investment needs with the

funds objective and invest accordingly.


By investment objective:
33 Growth Schemes: Growth Schemes are also known as equity schemes. The aim of
these schemes is to provide capital appreciation over medium to long term. These
schemes normally invest a major part of their fund in equities and are willing to bear
short-term decline in value for possible future appreciation.
34 Income Schemes:Income Schemes are also known as debt schemes. The aim of these
schemes is to provide regular and steady income to investors. These schemes generally
invest in fixed income securities such as bonds and corporate debentures. Capital
appreciation in such schemes may be limited.
35 Balanced Schemes: Balanced Schemes aim to provide both growth and income by
periodically distributing a part of the income and capital gains they earn. These schemes
invest in both shares and fixed income securities, in the proportion indicated in their offer
documents (normally 50:50).
36 Money Market Schemes: Money Market Schemes aim to provide easy liquidity,
preservation of capital and moderate income. These schemes generally invest in safer,
short-term instruments, such as treasury bills, certificates of deposit, commercial paper
and inter-bank call money.
Otherschemes
37 Tax Saving Schemes
Tax-saving schemes offer tax rebates to the investors under tax laws prescribed from time
to time. Under Sec.88 of the Income Tax Act, contributions made to any Equity Linked
Savings Scheme (ELSS) are eligible for rebate.
38 Index Schemes: Index schemes attempt to replicate the performance of a particular
index such as the BSE Sensex or the NSE 50. The portfolio of these schemes will consist
of only those stocks that constitute the index. The percentage of each stock to the total
holding will be identical to the stocks index weightage. And hence, the returns from such
schemes would be more or less equivalent to those of the Index.
39 Sector Specific Schemes: These are the funds/schemes which invest in the securities
of only those sectors or industries as specified in the offer documents. e.g.
Pharmaceuticals, Software, Fast Moving Consumer Goods (FMCG), Petroleum stocks,
etc. The returns in these funds are dependent on the performance of the respective
sectors/industries. While these funds may give higher returns, they are more risky
compared to diversified funds. Investors need to keep a watch on the performance of
those sectors/industries and must exit at an appropriate time.
40 Gold Fund: You can invest in gold as an asset class through gold funds . Gold Funds
are open-ended mutual fund schemes that invest in units of Gold ETF. Like any other
mutual fund scheme, investors can buy, sell, hold, and conduct SIP/STP/SWP in these
funds. This is also a very cost effective methods of investing in gold as investors do not
incur any charges for de-mat account or brokerage charges and can accumulate through
SIP. Another category of gold fund is Gold Sector Funds i.e. the fund will invest in shares
of companies engaged in gold mining and processing
Downloads
41
Application Form HDFC Mutual Fund
42 Application Form Reliance Mutual Fund

43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77

Application Form SBI Mutual Fund


AXIS Mutual Fund
BARODA PIONEER Mutual Fund
BIRLA SUN LIFE Mutual Fund
BNP PARIBAS Mutual Fund
BOI-AXA Mutual Fund
CANARA ROBECO Mutual Fund
DAIWA Mutual Fund
DSP BLACKROCK Mutual Fund
DWS Mutual Fund
FRANKLIN TEMPLETON Mutual Fund
HSBC Mutual Fund
ICICI Prudential MF Application Form
IDBI Mutual Fund
IDFC Mutual Fund
ING Mutual Fund
JM FINANCIAL Mutual Fund
JP MORGAN Mutual Fund
KOTAK Mutual Fund
KYC Application Form-Individual
KYC Application Form-Non Individual
KYC Change Detail Form-Individual
L&T Mutual Fund
LIC NOMURA Mutual Fund
MIRAE ASSET Mutual Fund
PEERLESS Mutual Fund
Pinebridge Mutual Fund
PRAMERICA Mutual Fund
PRINCIPAL Mutual Fund
RELIANCE Mutual Fund Invest Online
Shriram Mutual Fund
SUNDARAM Mutual Fund
TATA Mutual Fund
TAURUS Mutual Fund
UTI Mutual Fund

Deposits
The Flagship Company of
Shriram
Group,
Shriram
Transport Finance co ltd is
India's largest asset financing
institution. Headquartered in
Mumbai and with a pan India
presence, Shriram Transport
provides accessible, affordable commercial vehicle finance to almost 6,00,000 customers.

Shriram City Union Finance (SHRIRAM City) is a deposit-accepting non-banking


financial company (NBFC), SHRIRAM City is today Indias premier financial services
company, specializing in retails finance.
78 Home
79 Life Insurance
Shriram Life Insurance

Shriram
Life
Insurance
Company (commenced operation
in 2006), is a JV between Shriram
Group and Sanlam group of South
Africa. Sanlam Group with an
asset base of over US $ 70 billion
has in its fold the No.1 short term insurer, the second largest life insurer and the second
largest fund manager in South Africa.
SLIC has been the first private sector insurance company in India to earn profits for the
first 4 years of operations. This performance has placed it in the 4th position among 14
life insurers in India within 3 years of commencing operations. SLIC benefits from
Shriram Groups expertise in building and effectively operating low cost networks. SLIC
has the advantage of sharing branch network of Shriram Group companies to access more
customers while minimizing costs.
Shriram Life has a customer base of 1.6 million.
Year
Head
2008
2009
2010
2011
2012
Income (INR cr)

392

488

625

834

662

PAT (INR cr)

(18)

17

56

Net Worth (INR cr)

142

150

133

200

256

Shriram Secure Investment Plan


Shriram Secure Investment
Plan is a one-time investment
and insurance plan where you
pay premium only once and get
the dual benefit of life
insurance
and
investment
return. This is an ideal plan to maximize the returns of your lump sum cash surplus.
Benefits:
80 IInvest once and guaranteed maturity and also life cover.
81 Reap the benefits of investment without the commitment of paying premiums

regularly.
Death Benefit
Criteria
Minimum age at entry
Maturity Benefit
Maximum age at entry
Maximum maturity age
Policy Term
Premium Paying Term
Minimum single premium

In case of death of the life


assured during the policy term,
Sum assured (Guaranteed
maturity
Eligibilitybenefit) will be paid
to the nominee or beneficiary
30 days
In case of survival of the life
60 yearsup
last
assured
tobirthday
the end of the
policy
term,
Guaranteed
65 years
maturity benefit as defined
below
will be paid
5/10 years
maturity benefit=maturity
Single factor multiplied by
benefit
single
premium
RS.40000/.
for 5 year policy
term
Rs.50000/- for 10 year policy
term

Maximum single premium No Limit,Subject to


underwriting conditions as per
Board Approved Underwriting
Policy
Minimum sum assured

RS.49600/. for 5 year policy


term
Rs.77000/- for 10 year policy
term

Shriram Guaranteed Return Plan


Shriram Guaranteed Return
Plan is a one-time investment
and insurance plan where you
pay premium only once and get
the dual benefit of life cover
and a guaranteed return on
maturity.
Benefits:
82 Guaranteed maturity benefit and life insurance cover.
83 No commitment of paying premiums regularly.

Event

Benefits Payable

Maturity benefit

In case of survival
of the life assured
up to the end of the
policy term,
guaranteed maturity
benefit as defined
below will be paid.
Guaranteed
maturity benefit =
maturity benefit
factor multiplied by
single premium.
The maturity
benefit factors
expressed as a
percentage of single
premium (excluding
extra, rider
premium and taxes)
depend on the size
of the initial single
premium and policy
term..

Death benefit

In case of death of
the life assured
during the policy
term, Sum assured
on death as defined
below will be paid
to the nominee or
beneficiary.
Sum assured on
death is defined as
Maximum of:
(a) 125% of single
premium if age is
less than 45 years
(b) 110% of single
premium if age is
45 years and above
Guaranteed
Maturity Benefit
payable on

Maturity.
Criteria

Eligibility

Minimum age at entry

8 years last birthday

Maximum age at entry

65 years last birthday

Minimum age at maturity

18 years last birthday

Maximum age at maturity

71 years last birthday

Policy Term

5/6/10 years

Minimum Single Premium Rs.25,000


Maximum Single Premium No Limit,Subject To
Underwriting Considerations
As Per Board Approved
Underwriting Policy.
Maximum Sum assured

30750/- for 5 year term


32000/- for 6 year term
39000/- for 10 year term.

Shriram Fortune Builder Insurance Plan


This is a single premium unit
linked
insurance
plan
identifying the things in life
that are important to you.
Benefits:
84 Flexibility to invest your
surplus money in the form of top up premium.
85 Invest across a range of asset classes.
Event
Death Benefits
Payable

Maturity/Death
Benefits Payable
Higher of Sum
Assured or the
value of the units in
Life Assureds unit
account paid till the
time of death is
payable to the
nominee and the
policy will
terminate. If the

policy is in
discontinuous state,
the discontinued
policy fund value
subject to a
minimum
guaranteed interest
as prescribed by
IRDA from time to
time will be paid to
the nominee or
beneficiary.
Sum Assured under
Death Benefit is
defined as the basic
Sum Assured plus
additional Sum
Assured (if any)
due to top-up
premiums.
Maturity Benifits
Payable

On survival of the
Life Assured up to
the end of the
policy term, the
Fund Value
(including Top up
fund value) will be
payable.

Criteria

Eligibility

Entry age

0 to 65 Years age last birthday

Exit age

75 years age last birthday

Policy Term

10/15/20 Years(Fixed)

Premium Paying Term

Single

Minimum/Maximum
Premium

25,000/- / No limit for


maximum

Minimum Sum Assured


For Age at entry Below 45
Years
For age at entry 45 &
above

1.25* Single Premium


1.10* Single Premium.

Maximum Sum Assured

Subject to Board approved


underwriting policy.

hriram Ujjwal Life (SP)


Shriram Life comes with a
single premium unit linked plan
Shriram Ujjwal Life SP to
accomplish all your financial
goals.
Benefits:
86 Dual benefit of market linked return and insurance protection.
87 Six funds to invest with best investment strategy.
88 Flexibility to invest your surplus money in the form of top up premium.
Event

Maturity/Death
Benefits Payable

Death Benefits
Payable

In case of death of
the Life Assured
before the end of
the policy term,
Sum Assured plus
value of the units
plus top sum
assured if any along
with top up fund
value if any will be
paid. If the policy is
in discontinuous
state, the
discontinued policy
fund value subject
to a minimum
guaranteed interest
as prescribed by
IRDA from time to
time will be paid to
the nominee or
beneficiary.

Maturity Benifits
Payable

On survival of the
Life Assured up to
the end of the
policy term, unit
fund value plus top

up fund value (if


any) will be paid on
maturity.
Criteria

Eligibility

Minimum age at entry

7 years age last birthday

Maximum age at entry

65 years age last birthday

Maximum maturity age

75 years age last birthday

Policy Term

10 Years (Fixed)

Minimum Sum Assured:


For Age at entry Below 45
Years
For age at entry 45 &
above

125% of the Single Premium


110% of the Single Premium.

Maximum Sum Assured

Subject to Underwriting
Considerations as per board
approved underwriting
policies.

Minimum Premium

Rs.35,000

Maximum Premium

No maximum limit

Premium Payment Mode

Single.

89 Home
90 General Insurance
Shriram General Insurance
Shrirams foray into the
General insurance industry was
with its partner in its life
insurance foray Sanlam.
The General Insurance business
in India has gone through
significant changes both in
terms of new private players entering the Industry as well as the changes in the regulatory
landscapes.
Shriram with its huge captive transportation customers/business focused its entire
energies on addressing this target market and ensuring visible benefits to the
transportation community.
SGIC was recently awarded the Excellence in growth Award at THE INDIA
INSURANCE AWARDS 2011- 2012. SGIC was conferred this award for their
outstanding growth within only 3 years of inception, by a highly eminent jury.

Head

Year
2009

2010

2011

2012

Income (INR cr)

114

417

781

1,266

PAT (INR cr)

(4)

16

13

62

Net Worth (INR cr)


105
117
130
To read more please visit www.shriramgi.com

234

91 Motor Insurance
92 Non Motor Insurance

Under the provisions of Motor


Vehicles Act, all vehicles that
aply in public places must have
an insurance policy that at least
covers "Third Party Liability"
as specified under the Act.
Shriram Motor Package Policy provides:
93 Protection from a financial loss arising out of loss or damage to your vehicle.
94 Protection from liability towards third parties for personal injury.
95 Compensation for death and property damage on account of any accident involving
your vehicle.

What does the policy cover


96 Loss or damage to your vehicle:
97 Natural Calamities
98 Man-Made Calamities
99 Pesonal Liability
100 Property Liability

S-ar putea să vă placă și