Below is a offer by HDFC which was set to me via a close friend, i am helping her achieve her targets.. so incase you need an Insurance Policy or some Assurence Plan, do get in touch with her. Her contact details are below this offer.

Savings Assurance Plan is a structured long term debt product specially designed for HDFC Bank customers and their family members.

- There is Capital Guarantee in built under the plan structured in form of guaranteed Sum Assured from inception. Revisionary Bonus(RB) declared under the plan would be on the entire Sum Assured right from day one. RB once declared gets guaranteed and added on the overall guarantee under the product.

- The final payout would be equal to : Sum Assured + Revisionary Bonus + Terminal Bonus .

- The Investment Pattern under this scheme is :

1) 50-60% in Govt Sec and Bonds
2) 20-25 % in Infrastructure Lending
3) 30-35% in Indian Equities & Others ( AAA Rated companies)

- With the above investment pattern we expect very conservative returns of 11%-12 % annually

- The above investment pattern mirrors a FD pattern & Balanced MF but comes with a capital gaurantee thus ensuring your returns are always marked up due to the equity exposure and on the same hand protects you against any down side by way of the Capital Gaurantee .

- On maturity, proceeds from the investment are completely TAX FREE.

Contact Info:
Prajna (HDFC)
Classic Relationship Manager,
Vasant Kunj Branch (New Delhi),
9310776520

I wanted to wish everyone a very happy Republic Day… I hope you have a fun filled day today even though it’s a dry day

Cheers!

Cribb sent in my Hardik

The company that is supposed to be the best and most widely accepted service provider in India is also a known ‘CHEAT’ when it comes to maximizing its revenues. I heard a lot about this malpractice employed by the company but didn’t believe it unless I experienced one. They had activated some ‘Jokes alert’ service on my number without my notice and when I used the SIM, after a long gap, the entire balance had vanished.

I got a recharge done and observed my balance day after day. Everyday there was a minimum deduction of Re. 1/day and sometimes Rs. 3/day without even using the SIM at all during the day. When I complained about this, they gave elusive replies on activation which was never done from my side – In fact I checked up all SMS / outgoing calls for past 1 year and there was no such activation done.

When I ask for the refund on email, even the nodal officer (Karnataka) writes back after a week ‘We regret the inconvenience but cannot do anything’ In fact one of my friends had to literally go and fight with the executives at an Airtel office to get a refund of such mysterious deductions. I have already changed my SIM and am using Tata Docomo services and their response is quite satisfactory on customer queries. If you have an Airtel SIM, please keep a check on your balance, else they may be eating away your money on your back.

Wishing everyone a very happy Lohri 2010

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