PRODUCT NOTE

September 2021Technology-powered. Human-delivered.

Market Update

2

Key Global &Domestic Market Updates

3

➢ Globally, key indices in US and Europe generated positive return between 1-4% in August 2021 despite concerns pertaining to spreading of delta variant of covid-19.

➢ Decline in India’s covid-19 daily new cases and overall active cases has led to states easing lockdown restrictions and thereby resulting into pick-up in economic activities.

➢ US bond yields rose amid investor concerns over US inflation and apprehension ahead of the European Central Bank’s monetary policy meeting.

➢ The Securities and Exchange Board of India (SEBI) introduced a T+1 settlement cycle for completion of share transactions on an optional basis to enhance market liquidity.

➢ SEBI asked asset management companies (AMCs) to invest in schemes based on risk and quantify the minimum amount to be invested in their own mutual fund schemes.

➢ Reserve Bank of India GDP growth forecast for FY22 also stands at 9.5%.

➢ Globally, most Central Banks have stayed away from tightening monetary policy so far, despite increased inflation level.

Equity Indicators

4

➢ Both Sensex 30 and Nifty 50 gave significantly superior returns in August

2021 as compared with other key global indices.

➢ Amongst sectors, BSE IT, BSE Oil & Gas, BSE Energy and BSE Telecom index

gained more than 10% during the month. Metal and Realty stocks saw profit

booking in August 2021.

➢ Equity markets have been resilient by multiple factors including recovery

from covid-19, pick-up in vaccination rate, healthy corporate earnings

growth, robust GDP growth expectation and liquidity.

➢ India’s GDP grew by 20% in Q1FY22 on a low base.

➢ Brent crude oil prices were mixed after OPEC and its allies agreed to stick to

their existing policy of gradual oil output increases.

➢ The services PMI (Purchasing Managers Index) rose to 56 in August from 45

in the previous month.

5

Debt Indicators

➢ Govt 10Y bond yield is at 6.22% as compared to 6.20% a month ago.

➢ RBI kept key policy rates unchanged as expected by market and

retained monetary policy stance.

➢ On the inflation front, the Governor mentioned that the inflation may

remain close to upper tolerance band and revised the CPI estimates for

FY22 upward to 5.7% from 5.1%.

➢ The Indian government launched the National Monetization Pipeline

(NMP) to monetize Rs. 6 lakh crores of brownfield infrastructure assets

over a period of four years.

➢ Short term, Ultra short term, Medium duration funds are the debt

theme for 2021 to generate better than FD returns.

CO

NTE

NTS

❖ Mutual Fund Products

⮚ Smart Switch⮚ Advance SIP⮚ Diversified Portfolio⮚ Micro SIP⮚ Street Smart Portfolio⮚ Global Portfolio⮚ Tax Saving ELSS⮚ Goal Based - Retirement⮚ Debt Portfolio⮚ Corporate Portfolio⮚ Global Stocks⮚ Gold Portfolio

❖ Portfolio Management Services (PMS)

⮚ ASK IEP & ASK Select

⮚ Sundaram S.E.L.F

⮚ Ambit’s Good & Clean ⮚ Ambit and Coffee Can

❖ Pre-IPO Stocks

❖ Bonds & Structured Debt

❖ Alternative Investments & Private Equity

❖ Will & Estate Planning

❖ Insurance Offerings

⮚ Term Plans⮚ Health Plans⮚ Low Cost ULIPS⮚ Retirement Plans

❖ Corporate Deposits

⮚ Bajaj Finance Limited⮚ Mahindra & Mahindra Financial

Services

6

7

Mutual Funds

Smart Switch

⮚ Suited for lumpsum investments

⮚ Systematically achieve asset allocation while

having debt cushioning

⮚ Customisable for different equity allocations

0%/20%/40%/60%/80%/100%

⮚ Allocation can be changed at later date

Debt Basket

FROM

Mirae Asset Savings PlanKotak Low DurationSBI Low DurationInvesco Treasury AdvantageAxis Treasury Advantage

Equity Basket

TO

Mirae Asset Large CapKotak Flexi CapSBI Focused Equity Invesco India ContraAxis Mid Cap

Conservative

60% Equity Allocation

Balanced

80% Equity Allocation

Aggressive

100% Equity Allocation

Switch Period

6M/9M/12M

Min Amount

Rs. 2 Lacs

8

PerformanceClick Here For:

40:60 Debt:Equity100% into Equity

Return Range - 13.4% to 17.8%

1M

3M

6M

9M

12M

Switch Period: 12M Aggressive: 100% Equity Allocation

Attain desired Asset Allocation Systematically

9

Debt Equity

Smart Switch:Illustration

⮚ Optimally tailored for higher SIP

amounts

⮚ Best in class funds from diversified

asset classes and fund categories

⮚ Rebalanced periodically

Aggressive 5+ Years

Mirae Large CapKotak Flexi CapAxis Mid CapKotak Small CapL&T India Value

100% into Equity

Conservative 2 - 5 Years

Mirae Large CapKotak Flexi CapKotak Banking & PSU DebtAxis Short TermABSL Money Manager

40% into Equity

Conservative 5+ Years

Axis BluechipKotak Flexi CapL&T Mid CapICICI Pru Ultra ShortABSL Short Term

60% into Equity

Aggressive 2 - 5 Years

Mirae Large CapKotak Flexi CapAxis Mid CapL&T India ValueABSL Short Term

80% into Equity

Min Amount

25,000

10

Performance Performance

PerformancePerformance

Click Here For: Click Here For:

Click Here For:Click Here For:

Advance SIP

Short Term Conservative

SBI Low Duration

ICICI Pru Corporate Bond Fund

ABSL Short Term

0% Equity

Mid Term ConservativeICICI Pru Corporate Bond FundABSL Short Term

Mirae Large Cap

33% Equity

Long Term ConservativeABSL Short Term

Mirae Large Cap

Kotak Flexi Cap

66% Equity

Diversified Portfolio

Short Term Balanced

ABSL Savings

AXIS Short Term

SBI Equity Hybrid

25% Equity

Short Term Aggressive

Axis Short Term

ICICI Pru Reg Savings

Kotak Flexi Cap

40% Equity

11

Mid Term Balanced

Axis Short Term

SBI Equity Hybrid

Kotak Flexi Cap

55% Equity

Mid Term Aggressive

ICICI Pru Reg. Savings

Kotak Flexi Cap

Axis Midcap

75% Equity

Long Term Balanced

SBI Equity Hybrid

Mirae Large Cap

Kotak Flexi Cap

85% Equity

Long Term Aggressive

Mirae Large Cap

SBI Focused Equity

Axis Midcap

100% Equity

Info

Info

Info

Info

Info

Info

Info

Info

Info

12

Debt Funds

DSP Corp Bond FundCorporate Bond Fund

Invesco Short Term FundShort term Bond

Below 2.5 y average maturity

Equity Funds

Invesco Growth OpportunityA large & Mid cap fund

DSP Mid Cap FundMidcap Fund

Sundaram Select FocusFocused Fund

3 Different Equity Categories

Hybrid Funds

SBI Equity HybridAggressive Hybrid

ICICI Balanced AdvantageDynamic Asset Allocation

25% - 65% debt allocation

Micro SIP with Rs. 1,000 per

fund

Create customized portfolio

with any combination of funds

Ideally suited for small saving

plans with long term wealth

creation approach

Min. Period

1 Year +

Min. Amount

Rs. 1,000

MicroSIP

Basket of undervalued, potential Sectoral Funds

Tactical in Nature. Not for Long term Passive/SIP

Investmnt

A combination of funds with financials and Export

oriented businesses

A tactical consumption diversification compared to

traditional passive investments

13

StreetSmartPortfolio(Undervalued Thematic)

Fund Basket

SBI Bank & Financial Service40% Weightage on Nifty

ICICI Pru TechnologyExport oriented & Pandemic proof

Nippon India PharmaBeneficiary in Medical Emergency

Risk

High

Tactical In NatureUndervalued Segment

Max 3 Year Holding Period

Holding Period

1- 3 YearPerformanceClick Here For:

GlobalPortfolio(Overseas Exposure)

A Global Diversification Portfolio

Select any combination of funds based on regional &

preferential exposure.

Debt taxation and indexation benefit after

completing 3 years.

Invest in global leaders compared to traditional

passive investments

14

Fund Basket

ICICI Pru US BluechipGlobal Bluechip from S&P 500Top Holdings: Amazon, Biogen, Pfizer, Merck & Co, Philip Morris

DSP US Flexible EquityUS larger & midcap universeTop Holdings: Microsoft, Alphabet, Apple, Facebook, JP Morgan Chase

Edelweiss US Tech FundGlobal Tech leaders from USTop Holdings: Synopsys, Advance Micro Div, Alphabet, Microsoft

Risk

Moderate

Max 3 Year Holding Period

Holding Period

3 Year

PerformanceClick Here For:

ELSS Basket

Axis Long Term Equity

40% of the portfolio

Mirae Asset Tax Saver 40% of the portfolio

Invesco India Tax Plan20% of the portfolio

80C Tax Benefit upto 1.5L pa on investment

Can save upto Rs. 49,500 on taxes

With 3 years lock-in, ELSS has the lowest lock-in

amongst the 80C options

Only 80C option with 100% equity participationMin. Amount

Rs. 2,500

15

PerformanceClick Here For:

Tax Savings(ELSS)

Goal Based(Retirement)

A Long term Retirement solution

For Rs, 1 Cr Corpus Today

Pure aggressive SIP strategy to

reach your goal

Retiring in 20 Years

Adv. SIP - Aggressive 5+

20 Years to Create Corpus

Expected Return - 14%

100% Equity Allocation

Retiring in 10 Years

Adv. SIP - Conservative 5+

10 Years to Create Corpus

Expected Return - 10%

60% Equity Allocation

Retiring in 15 Years

Adv. SIP - Aggressive 2-5

15 Years to Create Corpus

Expected Return - 12%

80% Equity Allocation

16

Estimated Corpus Required Today

Rs. 1.00 CrEstimated SIP Amount

Rs. 77,500 Rs. 43,000 Rs. 22,500

Rs, 1 Cr value after 10 Year will be Rs, 1.63 Cr

Rs, 1 Cr value after 15 Year will be Rs, 2.08 Cr

Rs, 1 Cr value after 20 Year will be Rs, 2.65 Cr

Estimated SIP Amount Estimated SIP Amount

Long Term Debt Basket for Individuals

Great Alternative to FD’s

Combination of Short, Medium, Dynamic and

Corporate Bonds.

Advantage of Indexation for long term investment

and more tax efficient than FD’s

Tax Benefit

3 Year +

17

Debt Basket

Axis Short Term

ICICI Pru Corporate Bond

SBI Medium Duration

Attractive post tax returns after indexation benefit for 3 year holding

Min. Period

1 Year +

PerformanceClick Here For:

PresentationClick Here For:

Debt Portfolio(Individuals)

Unlike Fixed Deposits attracts no TDS,

making it better for corporate treasury

management

Zero Exit Load vs Premature withdrawal

charges in Fixed Deposits

Withdrawal settlement in T+1 working

day

High quality underlying paper

Portfolio D: Above 10 Cr

Portfolio C +Kotak Banking & PSU Debt FundAxis Short Term FundHDFC Short Term Debt Fund

Portfolio A: Upto 2 Cr

ICICI Pru Saving FundKotak Low Duration FundABSL Saving Fund

Portfolio B: 5 Cr

Portfolio A +SBI Magnum Low DurationICICI Pru Ultra Short Term

Portfolio C: 10 Cr

Portfolio B

+

SBI Magnum Ultra Short TermAxis Banking & PSU Fund

18

Presentation

PerformanceClick Here For:

Click Here For:

CorporatePortfolio

Global Stocks(In association with STOCKAL)

International Stocks

Both bulk investment and monthly SIP available

Taxation benefits for overseas investments and will

be treated similar to debt investments

Tailor made portfolios and range of products from

direct stocks, US ETFs and US Index funds Indexation Benefit

2 Year +

19

Global Stock Basket

Apple Inc

Amazon Inc

Netflix

PayPal

Shopify

Min. Amount

Rs. 2 Lacs

International Exposure2 year min holding for LTCG

High Quality US Companies

Click HereSign Up here:

Highly liquid and luxury good. One of its kind unique

asset in the world

A very good inflation hedge

A good rupee depreciation hedge

A less volatile & limited downside risk

20

GoldPortfolio(Contra & Inflation Hedge)

Fund Basket

Axis Gold FundRelatively small & focused portfolio

Kotak Gold FundBest performer in gold category

Risk

Low

Inflation HedgeAsset is in accumulation stage

Min 1 Year Holding Period

Holding Period

1- 3 YearPerformanceClick Here For:Click Here For:

21

Portfolio ManagementServices (PMS)

⮚ Alternative to unmanaged/DIY direct stock

investment

⮚ Proven track record to manage focused

portfolios

⮚ Suggested 3+ year holding period

⮚ Min. Rs. 50 Lacs

ASK IEP

+ Large Cap Strategy+ 20 Stock Portfolio+ Fixed 2.5% Annual Fee+ STP Option + Expected Return: 13%-15% pa

+ Min. 3 Year Holding

Preservative

Click Here For: Info

22

Ambit Good & Clean

+ Mid Cap Strategy+ 15 Stock Portfolio+ Fixed 2.5% Annual Fee+ STP + Rs. 2.5 Lac Monthly Opt+ Expected Return: 16%-18% pa

+ No min. Holding period

Moderately Aggressive

Click Here For: Info

Click HereStock Comparison:

Ambit Coffee Can

+ Large Cap Strategy+ 15 Stock Portfolio+ Fixed 2.5% Annual Fee+ STP + Rs. 2.5 Lac Monthly Opt+ Expected Return: 14%-16% pa

+ No min. Holding period

Preservative

Click Here For: Info

PMS Sundaram SELF

+ Mid & Small cap+ 20 Stock Portfolio+ Contra Approach+ Fixed 2.5% Annual Fee+ Expected Return: 15%-17% pa

+ Min. 1 Year Holding

Contrarian

Click Here For: Info

ASK India Select

+ Flexi Cap Strategy+ 20 Stock Portfolio+ Fixed 2.5% Annual Fee+ STP Option

+ Min. 3 Year Holding

Preservative

Click Here For: Info

23

Pre-IPO Stocks

➢ High quality Pre-IPO stocks

➢ About to go for an IPO in near future

➢ A complete transparent security

transaction process

➢ There are other Pre-IPO offerings also

such as Paytm, CARE which are

available in the Wealthy store

24

Lava International

+ Founded in 2009 and manufacturing mobile in China and India since from 2011+ Selling mobile handsets in 20 countries+ Only Indian company to have R&D

and Design capabilities

Hero Fincorp

+ Strong promoters holding of 80%+ Largest 2-wheeler manufacturer in the world+ Likely to go public in 2021+ Product portfolio includes two wheeler loan, used car loan, LAP, SME loan etc.

Indicative Price- Please Contact Indicative Price- Please Contact

Information Information

Merino Industries

+ India’s largest manufacturer of laminates+ Sells its products in more than 60 countries+ A strong domestic dealers network of more than 4000 present in all states+ A debt free company

Studds Accessories

+ Worlds largest 2-wheeler helmets manufacturer+ Its products are sold in 39 different countries+ Received SEBI’s approval in 2018 for IPO+ New safety guidelines will add to companies growth

Indicative Price- Please Contact Indicative Price- Please Contact

Information Information

Pre-IPOStocks

25

Bond Offerings

Bank Bonds

Coupon

Rate

Date of

Maturity

Interest

Pay Dates Yield Rating Quantum

State Bank of India Perpetual Bonds 8.75% 30-Aug-24 30-Aug 7.00% AA+ (CRISIL & ICRA) Multiples of 10 lacs

Indian Bank Perpetual Bonds 8.44% 30-Dec-25 30-Dec 8.63% AA (CARE & CRISIL) Multiples of 5 crores

Tax Free Bonds

Coupon

Rate

Date of

Maturity

Interest

Pay Dates Yield Rating

NHAI Tax Free 2029 8.50% 5-Feb-20 15-Mar 4.50% AAA 10 Lacs

REC Tax Free 2033 8.62% 24-Sep-33 1-Dec 4.53% AAA 10 lacs

Private Bonds

Coupon

Rate

Date of

Maturity

Interest

Pay Dates Yield Rating

Shriram Transport Finance Company Limited

(Secured) 9.50% 27-Feb-23 26-Feb 7.50% AA+ (CRISIL)

Multiples of 10 lacs

Muthoot Finance Ltd. Bonds(Secured) 7.90% 30-May-31 31-May 7.80% AA+ (CRISIL) Multiples of 10 lacs

26

Bond Offerings

27

Alternative Investments

⮚ PropShare Real Estate Fund I (PREFI) is a SEBI approved Category II AIF that gives you direct access to high-yielding commercial

properties leased to multinational tenants.

⮚ Backed by global PE funds like Lightspeed, Beenext and Pravega Ventures.

⮚ The investments will be spread across atleast four properties based out of Tier-1 cities of India.

⮚ It will be focusing into the Commercial Space that generates regular rental income. Investors can earn 7-9% yields payable

monthly/quarterly and participate in capital appreciation for an overall 17-20% IRR.

⮚ The minimum investment is 1 crore with an investment horizon of 3-5 years+. To know more in detail please click the below link

28InformationClick Here For:

PropShare Real Estate Fund I

Sauce Fund - Venture Capital (Consumer Brands Seed Fund)

29

Company Profile & Team

⮚ Venture capital funds are pooled investment funds that manage the money of investors who seek private equity stakes in startups

and small- to medium-sized enterprises with strong growth potential. Sauce.vc is an early-stage venture capital firm based in

Mumbai, India.

⮚ The firm invests in consumer sectors within the food and beverages, personal care, apparel and lifestyle segments. It usually

captures opportunities in the ecommerce and digitalization space that got picked up especially in the last pandemic year.

⮚ The Fund, is targeting to raise INR 120 crores with a green shoe option of another INR 80 crores. The Fund has 8-years tenor with

an option to extend it by another two years.

⮚ The fund will be invested across 11 to 12 in early stage enterprises with investments starting at INR 1 crore over 2-3 rounds.

⮚ Experienced management team in the PE/VC domain.

⮚ The fund is tentatively due for closure by October end this year. For detailed explanations about the fund and deal flow details

please refer to the below link:

Click Here: Presentation

30

Estate & Will Planning

Will & Estate Plannings are legally binding agreements

Estate comprises everything you have including car, house,

investments, bank a/c, real estate etc

It's all about “When” specified event takes place, “What”

needs to be done to your Estate.

“Will” ensures your assets distributed as per your wish to

your loved ones.

Will & Estate Planning

Information

31

+ Legal & enforceable in nature

+ Trust formation for beneficiary to reduce tax implications

+ Takes care of your loved ones

+ Distributing your hard earned assets as per your wish

Click Here For:

Will & Estate Planning

32

Insurance Offerings

Cover for financial stability for

family in case of loss earning

member

Important Options: Pure term /

Return of Premium / Limited pay

Important Riders: Critical illness,

Accident Cover

Qualifies under Section 80C

HDFC Term Plan: Click2Protect

Information

TATA Term Plan: Maha RakshaSupreme

Information

33

+ Lump Sum/Regular income option

+ 99.04% Claim settlement rate

+ Lump Sum plus Regular income for 10 years option

+ If premium paid for limited time, prorated cover(On limited pay only)

Click Here For: Click Here For:

Click Here: 5 Pay, 10 Pay, Regular Pay price comparison

Insurance Offerings(Term Plan)

*We also offer ICICI Term Plan on request basis

Insurance Offerings(Health Plan)

Cover for hospitalisation expenses

Individual Family Floater & topup’s

Important things to consider: Waiting Period

& Pre-existing diseases

Important Rider: Critical Illness

Qualifies under 80D

Care Health

+ Best in class customer service

+ Domestic and global hospital cover

Information

HDFC Ergo - Health Suraksha

+ Industry leading claim settlement ratio

+ Known for good customer service

InformationPremium ChartPremium Chart

Max Bupa - Health ReAssure

+ Affordable Premiums

+ 65+ year family members covered

InformationPremium Chart

34

+ Largest network hospitals in the country

+ Strong network at tier -2, tier - 3 cities

Click Here For: Click Here For:

Click Here For:

*We also offer ICICI Lombard on request basis

Life cover with market participation

Zero capital gain tax for upto Rs. 2.5 Lac annual

contribution under Section 10(10D). Comes with

5 years lock-in

Option to invest and switch across 10 different

equity & debt funds

No cost to switch across funds for upto 4 per

annum

Qualifies under 80C

HDFC Classic One HDFC Click 2 Invest

Single Premium ULIP with 10X cover

Joint Life option is ideal for working couples

Information Illustration

Regular pay with 10X cover

Market Participation

Information Illustration

Policy Term

10Y

Policy Term

5/10/15/20Y

35

Click Here For:Click Here For:

Insurance Offerings(Low Cost ULIPS)

Regular cash flow after retirement

Guaranteed return on corpus

Options: Immediate Annuity &

Deferred Annuity

Options: Life Long & Return of

Premium to Nominee

80C Tax benefit for annuity plans

HDFC Life Sanchay Plus

+ Regular Premium

+ Guaranteed TAX FREE income

+ Life Insurance cover of 10X

+ Limited pay options available

Information

HDFC Life Sanchay Par Advantage

+ Bonus from 1st year

+ TAX FREE income

+ Participating product

+ Death & surrender benefits

Information

HDFC Life Guaranteed Pension Plan

+ Regular Premium

+ Annuity option at maturity

+ Limited Pay of 7Y, 10Y & 15Y

Information

Ideal For

30Y+

Ideal For

35Y+

Ideal For

45Y+

36

Click Here For: Click Here For: Click Here For:IRRIRR

Insurance Offerings(Retirement Plan)

37

Corporate Deposits

Bajaj Finance Limited (BFL)

Bajaj Finance Ltd (BFL) (Formerly Known as Bajaj Auto Finance Ltd) is one of leading Non Banking Finance Corporation in India that was

incorporated on 1987. Headquartered in Pune, the company's product offering includes consumer finance, commercial lending and advisory

services in the wealth management space.

Bajaj Finance Limited is rated AAA by various rating agencies. Instruments with this rating are considered to have the highest degree of safety

regarding timely servicing of financial obligations and thus carry the lowest credit risk.

The company has a strong base of asset over 1.53 trillion as per FY21. Through FY 2021,BFL made prudent loss provisions and write-offs based on

credit weaknesses arising out of the pandemic. Despite such provisioning, BFL delivered a consolidated pre-tax profit of 5,992 crore in FY21. This

validates its business model which creates an adequate quantum of pre-impairment profitability to absorb higher losses resulting from such

unforeseen events. To know more on about the company and recent financial results please click the link below:

38

Company Profile

Financials

Presentation

39

Bajaj Finance Limited (BFL)

*Additional 0.25% interest for Senior Citizens

(Mahindra & Mahindra Financial Services (MMFSL)

Mahindra & Mahindra Financial Services (MMFSL) is part of the Mahindra group and is one of the largest business conglomerates in India.

Incorporated in 1991, MMFSL is one of the leading non-banking finance companies (“NBFCs”) with customers primarily in the rural and semi-

urban markets of India. MMFSL is primarily engaged in providing financing services such as personal loans, housing finance, etc to customers

including small and medium enterprises, insurance broking and mutual funds.

MMFSL is rated AAA by various rating agencies. Instruments with this rating are considered to have the highest degree of safety regarding timely

servicing of financial obligations and thus carry the lowest credit risk.

The standalone Assets Under Management (AUM) for MMFSL stood at Rs. 78,955 Crores as on June 30, 2021. The Company has been duly

servicing its debt obligations, maintains a healthy capital adequacy ratio (CAR) and has adequate capital and financial resources to run its business.

The company has consistently maintained comfortable capital adequacy ratio at or above 19% over regulatory CAR being 15%. To know more on

about the company and recent financial results please click the link below:

Presentation

Results40

Company Profile

Financials

41

(Mahindra & Mahindra Financial Services (MMFSL)

*Additional 0.25% interest for Senior Citizens

Thank You

Disclaimer:

Wealthy.in has used information that is publicly available and developed in-house; and gathered

from sources believed to be reliable. Wealthy.in does not warrant accuracy and/or completeness of

the same. Please note that persons subscribing or planning to subscribe the recommended products

should do so after verifying the terms of the products. Financial products and instruments are subject

to market risks and yields could fluctuate depending on various factors affecting capital / debt

markets. Please note that the past performance may or may or may not be sustained in future.

Insurance is the subject matter of the solicitation for the Insurance Plans suggested. Wealthy.in shall

not be responsible for any loss or damage of any nature, including and not limited to direct, indirect,

punitive, special, exemplary, consequential, as also any loss or profit in any way arising out of the

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decision taken on the basis of this report. This report is based on the proprietary financial modeling of

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prior written permission of the Management Team - Wealthy.in