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Is It Right Time To Buy???

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Service TaxBenefit now!!!

Budget Proposal

A new levy of service tax has been proposed by the government on the investment portion

of Unit Linked Insurance Policies (ULIPs) from April 1, 2008.

Effect on Policyholders

Some amount will be deducted from the Investment portion of ULIP plans for service taxdeduction.

You will get LESS units when you will be putting money in ULIP after March 31, 2008

What you can do RIGHT now??? Buy the ULIP plan that you have been postponing before March 31, 2008 and save on any

service tax

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Falling MarketsBenefit now!!!

The Present Situation

From a high of nearly 20000 point in Jan 2008 share market has fallen to less than 15000points as of now.

The NAV for Bharti Axa growth fund option has fallen from 18.57 in Jan 2008 to 13.70 inMarch 2008

The Benefit for YOU!!! Market do not fall forever, they rise back in some time.

Same amount of premium can get you more UNITS today, more investment to benefit whenthe market goes up.

All falling markets present an opportunity to BUY good investments at cheaper price.

In last 10 years the markets have fluctuated and given negative returns in 5 out of 10years.inspite of this the markets grew by 12.85%

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YearsYEAR

END

SENSEX

level1 year 3 years 5 years 7 years 10 years 15 years

0 31-Mar-79 100.00

1 31-Mar-80 128.57 28.57%

2 31-Mar-81 173.44 34.90%

3 31-Mar-82 217.71 25.52% 29.61%4 31-Mar-83 211.51 -2.85% 18.05%

5 31-Mar-84 245.33 15.99% 12.25% 19.66%

6 31-Mar-85 353.86 44.24% 17.58% 22.44%

7 31-Mar-86 574.11 62.24% 39.49% 27.05% 28.36%

8 31-Mar-87 510.36 -11.10% 27.66% 18.58% 21.77%

9 31-Mar-88 398.37 -21.94% 4.03% 13.50% 12.61%

10 31-Mar-89 713.60 79.13% 7.52% 23.81% 18.48% 21.72%

11 31-Mar-90 781.05 9.45% 15.24% 17.16% 20.52% 19.77%

12 31-Mar-91 1167.97 49.54% 43.12% 15.26% 24.97% 21.01%13 31-Mar-92 4285.00 266.88% 81.76% 53.04% 42.80% 34.71%

14 31-Mar-93 2280.52 -46.78% 42.93% 41.76% 21.78% 26.84%

15 31-Mar-94 3778.99 65.71% 47.90% 39.57% 33.11% 31.45% 27.40%

16 31-Mar-95 3260.96 -13.71% -8.70% 33.09% 35.03% 24.87% 24.05%

17 31-Mar-96 3366.61 3.24% 13.86% 23.58% 24.81% 19.35% 21.86%

18 31-Mar-97 3360.89 -0.17% -3.83% -4.74% 23.18% 20.74% 20.02%

19 31-Mar-98 3892.75 15.82% 6.08% 11.29% 18.77% 25.60% 21.43%

20 31-Mar-99 3739.96 -3.92% 3.57% -0.21% -1.92% 18.02% 19.92%

21 31-Mar-00 5001.28 33.73% 14.17% 8.93% 11.87% 20.40% 19.31%22 31-Mar-01 3604.38 -27.93% -2.53% 1.37% -0.67% 11.93% 13.03%

22 31-Mar-02 3469.35 -3.75% -2.47% 0.64% 0.89% -2.09% 13.63%

22 31-Mar-03 3048.72 -12.12% -15.21% -4.77% -1.41% 2.95% 14.53%

23 31-Mar-04 5590.60 83.38% 15.76% 8.37% 7.54% 3.99% 14.71%

24 31-Mar-05 6492.82 16.14% 23.23% 5.36% 7.58% 7.13% 15.16%

25 31-Mar-06 11279.96 73.73% 54.67% 25.63% 17.08% 12.85% 16.32%

28.29% 19.43% 17.41% 17.48% 17.85% 18.57%

PERFORMANCE OF BSE SENSITIVITY INDEX - Equities not risky in long runRolling Returns - Growth

Average Returns

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The Option for YOUInvest Now!!

The Plan

Flexible policy term of 15 / 20 / 25 years

ZERO allocationcharges for premium 50,000 & above and only 1.4% average charges forlesser premiums.

GUARANTEED additions to your policy ranging from 130% to 175%.

Best performing Fund Options to choose from (Grow, Save & Grow & Steady)

Options forwithdrawing money during the policy term

Option to completely surrenderthe policy without CHARGES after six years.

Options to increase your investment whenever you wish.

Options to pay premiumYearly / Half yearly / Quarterly / Monthly.

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The Advantage Buying in falling market means MORE units allotted for same amount of

premium.

(If you have invested with us on Jan 7, 08 Rs. 10,000/- you would have got 539units @ Rs. 18.53 of NAV, but TODAYyou can get 730 units..200 units MOREwhich will grow more)

ZERO allocation charge means MORE units added to your account, moreinvestment & more returns

GUARANTEED additions even during falling markets to your policy rangingfrom 130% to 175%.

Sensex has nevergiven a Negative Return in 15 year or more term.

Make the best use ofSIP option (monthly) forreducing your average NAV & havemore units with same investment.

For people who are very cautious we have FREEswitch option to manageyourinvestment depending upon different market scenarios from. Choose a safe fund infalling market and change to growth fund when market goes up.

The Option for YOUInvest Now!!