1. Investment Opportunities in India

2.  BM Fiscal Point Advisors Pvt Ltd is a JV of two, successfully running Wealth Management Companies in India.  The group has over 50 man years of experience and has a client base in various countries.  Together we manage about 40 million USD (INR 240 Crore) of Retail, HNI wealth and about 160 million USD (INR 960 Crore) of Institution and Corporate wealth.  Our comprehensive and research backed range of products and services embrace all assets classes COMPANY PROFILE

3. Ujwal Marathe A qualified Chartered Accountant and Certified Financial Planner with over 28 years of experience in financial services industry. Gautam Bhalla A graduate from Pune University and has over 12 years of experience in financial service industry and banking and NBFCs. Karim Meghani A MBA Finance from Symbiosis and has over 10 yrs of experience in Wealth Management industry spread across NBFCs and banks. DIRECTORS’ PROFILE

4. Your hard earned money… well invested... should become an ‘Asset’… But… has it become a ‘Liability’?

6. TIGHT ROPE-WALK

7.  Inflation – Rising Education/Healthcare expenses  Investment returns below expectations  Adhoc investments made in the past  Availability of unbiased advice  In time action on the portfolio either to grab an opportunity or to safeguard the investments  Periodic review of portfolio by experts  Advisors keep changing INVESTORS ‘ CONCERNS

8. INFLATION

9. BMFPA can bridge the gap

10.  Investment Advisory Services  Risk Profiling  Financial Planning  Goal based investments  Customized Portfolio Advisory Services  Retirement Planning  Estate Planning & drafting Wills OUR EXPERTIZE

11.  Asset Allocation  Customized Portfolio Designing  Value Investing  Appropriate Product selection using various parameters  Periodic Review and monitoring of Portfolio  Restructuring/ Rebalancing of Portfolio OUR STRATEGIES

12. Diversify your investments across various asset classes ASSET ALLOCATION

13. Value based investing S&P CNX NiftyEquityDebt P/E (X)(%) Less than 12100.000.00 12 - 1590.0010.00 15 - 1880.0020.00 18 - 2160.0040.00 21 - 2440.0060.00 24 - 2720.0080.00 above 270.00100.00 VALUE INVESTING

14. OUR STRATEGIES

15. OUR TECHNOLOGY PARTNER iFAST - Asia’s largest Wealth Management Platform An Award winning and online Wealth Management Platform based in Singapore. Providing solutions to financial advisors to help manage their clients portfolio with international standards and practices Using high end technology, research and tools for executing a comprehensive range of investment strategies Market leader also in other developed markets like Hong Kong and Malaysia

16. TECHNOLOGY BENEFITS Almost zero paperwork and repetitive documentation Complete transparency Consolidated reporting of your investments Faster execution Active management …24 x7 One time – Account Opening / Forms / Cheques Online Access Better returns through Asset Allocation

17. India…. The super growth story But…. Where are we today?

18. INDIAN ECONOMY For seeds of ‘INACTION’ sown for the past few years...... Now reaping the ‘SLOWDOWN’

19. INDIAN ECONOMY Equity Index– even after 6 years – at same levels!

20. But... Are these also the BEST of times??? Quote

21. Long term growth seeds being sown – Several structural improvements still below ‘radar of analysts’ Fuel price hikes irreversible – Regular diesel price hikes by Rs 0.45/lit helps reducing Fiscal deficit Direct Cash Transfer – potential to reduce future subsidies substantially GST and DTC...to come sooner than later...no going back FDI in sectors like retail.....opposition to FDI slowly ceding ground....can potentially attract large investments Restrictions on Gold imports and several steps by government/ RBI has helped stabilize the Rupee

22. Few more ‘seeds’....that will bear fruit in due course FDI in Multi-brand retail, Aviation, Insurance......more FDI to follow. Can potentially bring in large scale investments Land Acquisition and Real Estate Bill expected to bring one of India’s largest ‘grey’ industry under regulation Stalled Infra projects put in fast track, Large scale Infra investments on cards New bank licenses- To improve reach of banking sector in unbanked areas – expanding financial inclusion net These relatively smaller steps will contribute to increasing ‘the investibility’ of Indian markets

23. What will India reap in future – the next decade! GDP growth pushed to higher levels 7-9% once more Tax to GDP ratio increases India Current Account Surplus! Indian markets to trade at higher PE multiples – near developed markets Demand Supply structural issues addressed – inflation below 3%! Fiscal deficit reduced to 2% of GDP! FDI Inflows increase to $70-80bn annually Several key reforms undertaken Fiscal deficit contained FDI limits raised for several sectors Renewed focus on infrastructure Direct Cash Transfer roll out DTC implementation GST roll out

24. The ‘seeds’ are being sown, but is the ‘ground’ fertile?

25. Source: CSO Upward shift in savings and investment ratios ONE OF THE HIGHEST SAVINGS RATE IN THE WORLD

26. DEMOGRAPHIC DIVIDEND – EMPHASISES SECULARITY Increase in work force 2010-2020 India’s demographic provide a huge multigenerational advantage vis-à-vis other countries Over 50% of the Indian population is under the age of 24 years old India is expected to add another 136 million to its work force by 2020 Its working age population is expected to peak after close to 30 years (by 2040)

27. India – A solid long-term growth story Not Dependant Only on Government Sustainable High Growth Capital High savings & Investment rate Labour Positive demographics Efficiency Rising Productivity, Infra, reforms & Good Corporate Governance

28. In the past, elections have been a good trigger point for market direction Why Equities now? – 2014 General Elections

29. Never depend on single income. Make investment to create a second source. - Warren Buffet

30. We value our clients….. and… our clients value us for our integrity, expertize and high service standards OUR OPERATIONS

31. Fiscal Point Consultant Pvt. Ltd. Has Been Nominated for UTI CNBC TV 18 Financial Advisor Awards 2012-13 in NRI category Fiscal Point Consultant Pvt. Ltd. Has Been Nominated for UTI CNBC TV 18 Financial Advisor Awards 2012-13 in NRI category AWARDS & RECOGNITIONS

32. THANK YOUTHANK YOU BM Fiscal Point Advisors Pvt LtdBM Fiscal Point Advisors Pvt Ltd Contact : Singapore + 65 81917481Contact : Singapore + 65 81917481 : India + 91 9822010170 : India + 91 9822010170 email : contactus@bmfpa.comemail : contactus@bmfpa.comcontactus@bmfpa.com www. bmfpa.comwww. bmfpa.com

33. Paperless transactions through Maker and Checker facility One time documentation for Account opening Dedicated NRE/ NRO account with Axis bank for your investments Access to research reports Access to your portfolio with independent and secured login OUR OPERATIONS