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BHUVAN CHOPRA, NEW DELHI
Source of information :
• www.rbi.org.in • www.sebi.gov.in • www.eaindustry.nic.in • Bloomberg • Moneyline telerate • Economic Times • Reuters
Assets under Management as on January 31, 2007 - Rs. 13311.40 Crores
Kotak Tech
Kotak MNC
Kotak Global India
& Kotak Midcap
Kotak Tax Saver
Kotak Opportunities
Kotak Lifestyle
Kotak Contra
Kotak 30
Kotak Equity FOF
Kotak Balance
Kotak Income Plus
Kotak Gilt Investment
Kotak Bond Deposit & Regular
Kotak Gilt Savings
Kotak Flexi Debt
Kotak Floater Long Term
Kotak Bond Short Term
Kotak Cash plus
Kotak Floater Short Term
Risk
Kotak Liquid
Potential Return
The above chart is meant only to show relative positioning and should not be construed
as absolute risk return relationships among different products.
27.9% Rest
50
47.1 Mutual Fund Units
44.4
40 Kotak 30 - Growth Equity Scheme 23.78
36.0
30
29.6 Birla Sunlife Frontline Equity - Growth Equity Scheme 16.50
Reliance Vision Fund - Growth Equity Scheme 16.43
20
HDFC Growth Fund - Growth Equity Scheme 16.41
10
SBI Magnum Global Scheme 94 - Growth Equity Scheme 7.93
0
1 year Since Allotment Prudential ICICI Dynamic Plan - Growth Equity Scheme 7.89
(Aug 09, 2004)
HSBC India Opportunities Fund Growth Equity Scheme 7.84
Kotak Equity FOF NAV: Rs. 26.025 (Growth Option)
Returns = 1 year : Absolute; Returns > 1 year : CAGR (Compounded Total 96.78
Annualised Growth Rate) Reverse Repo 1.25
Past performance may or may not be sustained in future.
Net Current Assets/(Liabilites) 1.97
Grand Total 100.00
23.8% Kotak 30
Specific Risk Factors : The investors of the scheme shall bear the recurring expenses of the Scheme in addition to the expenses of the underlying
schemes. Hence the investor under the Scheme may receive lower pre-tax returns than what they may receive if they had invested directly in the
underlying schemes in the same proportions. • The portfolio disclosure of the Scheme will be limited to providing the particulars of the underlying
schemes where the Scheme has invested and will not include the investments made by the underlying schemes. • The portfolio of the Scheme will
normally be comprised of schemes of Kotak Mahindra Mutual Fund and other schemes from the recommended list provided by the Designated
Agency. Thought adequate care will be taken to ensure that the methodology adopted by the Designated Agency is proper, there may be any
analytical error (like assigning overweightage or underweightage to various risk-returns parameters), execution error etc. by the Designated Agency,
which may result in the sub-optimal performance of the Scheme. • Since the Scheme proposes to invest at least in 5 underlying schemes, the
significant underperformance in even one of the underlying schemes may adversely affect the performance of the Scheme. Investments in underlying
equity/debt schemes will have all the risks associated with such schemes.
Kotak Dynamic FOF NAV: Rs. 17.323 (Growth Option) Tata Pure Equity Fund - Growth Equity Scheme 16.16
Returns = 1 year : Absolute; Returns > 1 year : CAGR (Compounded Kotak Liquid Institutional Premium Debt Scheme 4.78
Annualised Growth Rate)
Past performance may or may not be sustained in future.
Plan - Growth
Tata Liquid Super High Investment Debt Scheme 3.05
Plan - App
HDFC Liquid Fund Premium Debt Scheme 2.86
Sector Allocation Plus -Growth
HSBC Cash Fund Institutional Debt Scheme 2.86
16.3% Kotak 30
Plus - Growth
16.2% HSBC Equity Fund
Birla Cash Plus Institutional Premium Debt Scheme 2.86
16.2% Birla Advantage Fund
Plan -Growth
16.2% HDFC Top 200 Fund
Kotak Liquid Institutional Debt Scheme 1.79
16.2% Tata Pure Equity Fund
Plan - Growth
4.8% Kotak Liquid Institutional Premium Plan
Total 99.36
3.0% Tata Liquid Super High Investment Plan
0
Prudential ICICI Power Plan - Growth Equity 19.07
1 year Since Allotment
(October 20, 2005) Reliance Vision Fund - Growth Equity 18.98
23.7% Kotak 30
8
7.3 Debt Instruments
7.0
6.6 Debentures & Bonds
5.6
6 4.6
4.0
Corporate Debt / Financial Institutions
3.8
4 HDFC Ltd. AAA 14.45
2.9
Performance as on January 31, 2007 Portfolio-Investment-Regular, Provident Fund & Trust Plans
Regular Plan PF & Trust Plan ISEC Composite Index
Issuer / Instrument Industry / Rating % to
14
11.2
Net
12
Assets
10
7.6
8 Debt Instruments
6
5.2 5.4 Government Dated Securities
4.8
3.2 3.6 3.7 3.7$
4 3.2 8.07% Government Stock - 2017 SOV 41.04
2
8.33% Government Stock - 2036 SOV 12.14
0
1 Year 3 Years 5 Years Since Allotment Total 53.18
(Inv Plan - Dec 29, '98;
Inv PF & Trust Plan- Money Market Instruments
Nov 11, '03)
Treasury Bills
Kotak Gilt Investment Regular Plan NAV: Rs. 23.6073 (Growth Option) 364 Days Treasury Bill 03/08/2007 SOV 2.87
Kotak Gilt Investment PF & Trust Plan NAV: Rs. 23.9036 (Growth
Option) Total 2.87
Returns = 1 year : Absolute; Returns > 1 year : CAGR (Compounded
Collateral Borrowing & Lending Obligation 53.59
Annualised Growth Rate)
$ The benchmark return corresponds only to Investment - PF and Net Current Assets/(Liabilites) -9.64
Trust Plan
Past performance may or may not be sustained in future. Grand Total 100.00
Average Maturity of the portfolio: 7.67 years
Total NPA provided for and percentage to NAV : NIL
All ratings other than by CRISIL are by ICRA or CARE or Fitch.
Sector Allocation
About the Scheme Portfolio-Regular, Sweep, Institutional & Institutional Premium Plans
A liquid scheme, which predominantly invests in money Issuer/ Instrument Industry / Rating % to Net Assets
market securities and endeavors to provide reasonable Debt Instruments
Debentures & Bonds
returns and high level of liquidity. The scheme has four Corporate Debt / Financial Institutions
plans: Regular Plan, Sweep Plan, Institutional Plan and DSP ML Capital Ltd. P1+ 1.97
Bajaj Hindusthan Limited F1+(ind) 1.47
Institutional Premium Plan. The investment strategy Century Textiles & Industries Ltd. F1+(ind) 1.37
reduces the interest rate/price risk to minimal levels and LIC Housing Finance Ltd. AAA 1.21
normally the average portfolio maturity is not more than Raymond Ltd. PR1+ 1.08
Sundaram Finance Ltd. P1+ 1.08
6 months. Citicorp Finance (India) Ltd. AAA 1.06
Ideal Investment Horizon Chambal Fertilisers & Chemicals Ltd. P1+ 0.99
Deccan Chronicle Holding Ltd. P1+ 0.99
7 days to 15 days GE Capital Services India. AAA 0.99
Corpus: Infrastructure Development Finance Co. Ltd LAAA 0.98
India Loan Securitisation Trust V PTC A AAA(so) 0.94
Rs. 5074.01 crores United Phosphorus Ltd. PR1+ 0.79
Ratios (For Liquid Institutional Premium Plan) Mahindra & Mahindra Financial Services Ltd. AA+ 0.78
UTI Bank Ltd. LAA+ 0.74
Sharpe* : 2.25 Standard Deviation*: 0.01 Madras Cements Ltd. A1+ 0.69
YTM: 8.20 Kesoram Industries Limited PR1+ 0.59
Global Trade Finance Ltd. P1+ 0.49
Mahindra & Mahindra Financial Services Ltd. P1+ 0.49
*Source : Value Research Deccan Chronicle Holding Ltd. PR1+ 0.39
L&T Finance limited CARE AA+ 0.39
JM Financial & Investment Consultancy Services Pvt. Ltd. P1+ 0.39
The Indian Hotels Company Ltd. LAA+ 0.36
Performance as on January 31, 2007 ICICI Bank Ltd. CARE AAA 0.34
Infrastruture Leasing & Financial Services Limited F1+(ind) 0.20
GE Money Financial Services Limited AAA 0.16
Kotak Liquid Regular Plan Kotak Liquid Institutional Plan Cholamandalam DBS Finance Limited. LAA 0.10
JM Financial & Investment Consultancy Services Pvt. Ltd. P1 0.10
Kotak Liquid Institutional Premium Plan Kotak Liquid Sweep Plan
HDFC Ltd. AAA 0.10
CRISIL Liquid Fund Index DSP ML Capital Ltd. AAA 0.10
Indian Retail ABS Trust Ser 39 PTC A2 LAAA(SO) 0.03
8 BHPC Auto Sec Trust SEP 05 Series A1 LAAA(SO) 0.01
7
6.6 7.0 Total 21.37
6.5 6.4
6.2
6.1 6.2
5.5 5.7 Public Sector Undertakings
6
5.1 5.0 5.5 Indian Railway Finance Corporation Ltd. AAA 3.54
4.80**
5 Industrial Development Bank Of India. AA+ 1.27
4 Export-Import Bank of India. AAA 1.23
Power Finance Corporation Ltd. AAA 1.09
3
National Bank for Agriculture and Rural Development AAA 0.59
2 Neyveli Lignite Corporation Ltd. AAA 0.20
1
Total 7.92
Money Market Instruments
0
1 year 3 years 5 years Since Allotment Commercial Paper (CP)/Certificate of Deposits (CD)
(Reg.- Oct 05, '00; Corporate Debt / Financial Institutions
Instl - Mar 16, '03, ICICI Bank Ltd. A1+ 6.18
Instl Prem - ABN Amro Bank N.V A1+ 2.21
Nov 04,'03, Sweep - Hongkong & Shanghai Banking Corporation P1+ 0.95
Aug 03,'04)
Standard Chartered Bank Ltd P1+ 0.95
Kotak Liquid Regular Plan NAV: Rs. 14.629 (Growth option) Standard Chartered Investment & Loan India Ltd. P1+ 0.80
Kotak Liquid Institutional Plan NAV : Rs. 14.846 (Growth option) Jammu & Kashmir Bank P1+ 0.76
Kotak Liquid Institutional Premium Plan NAV: Rs. 14.9521 (Growth option) United Phosphorus Ltd. PR1+ 0.76
Kotak Liquid Sweep Plan NAV : 10.0071(Daily Dividend) DSP ML Capital Ltd. P1+ 0.41
Returns = 1 year : Absolute; Returns > 1 year : CAGR (Compounded Annualised GE Capital Services India. P1+ 0.39
Growth Rate) HDFC Bank Ltd. PR1+ 0.38
** The Benchmark Return corresponds to Liquid - Institutional, Institutional Premium & American Express Bank Ltd A1+ 0.21
Sweep Plan Infrastructure Development Finance Co. Ltd A1+ 0.20
Past performance may or may not be sustained in future. Sundaram Finance Ltd. P1+ 0.20
BHW Home Finance Ltd P1+ 0.19
Karnataka Bank Ltd A1+ 0.13
ICICI Bank Ltd. P1+ 0.10
Rating Profile Micro Inks PR1+ 0.10
Infrastructure Development Finance Co. Ltd P1+ 0.10
Karur Vysya Bank Ltd. F1+(ind) 0.08
Term Deposits, HDFC Ltd. A1+ 0.06
Reverse Repo and Net Current Assets ICICI Home Finance Company Limited A1+ 0.06
Reliance Capital Ltd. A1+ 0.04
Collateral Borrowing & 0.5%
Kesoram Industries Limited PR1+ 0.02
Lending Obligation
Total 15.28
33.3%
Public Sector Undertakings
State Bank of Travancore P1+ 3.71
AAA, P1+, PR1+, A1+,
UCO Bank P1+ 2.93
F1+ and SOV State Bank of Patiala P1+ 2.36
62.5% State Bank Of India. P1+ 2.24
AA State Bank of Bikaner & Jaipur P1+ 2.20
0.1% State Bank of Patiala A1+ 1.91
AA+ Union Bank of India A1+ 1.37
3.6% State Bank of Indore P1+ 1.17
Allahabad Bank PR1+ 0.71
National Housing Bank A1+ 0.49
State Bank of Hyderabad A1+ 0.48
IDBI Bank Ltd. P1+ 0.46
State Bank of Mysore A1+ 0.44
Sector Allocation IDBI Bank Ltd. A1+ 0.28
Export-Import Bank of India. P1+ 0.21
State Bank of Saurashtra P1+ 0.10
36.4%
Commercial Papers /
Certificate of Deposits
Punjab National Bank F1+(ind) 0.05
Total 21.11
Term Deposits, Collateral Borrowing & Treasury Bills
33.3% Lending Obligation And Reverse Repo 182 Days Treasury Bill 23/03/2007 SOV 0.49
Total 0.49
29.3% Debentures & Bonds Term Deposits 32.26
Reverse Repo 1.03
0.5% Treasury Bills
Collateral Borrowing & Lending Obligation 0.02
Net Current Assets/(Liabilites) 0.52
Grand Total 100.00
0.5% Net Current Assets Average Maturity based on total maturity of fixed rate and immediate reset date of floating rate instruments of the portfolio:
0.26 years
0% 10% 20% 30% 40% Total NPA provided for and percentage to NAV : Nil
All ratings other than by CRISIL are by ICRA or CARE or Fitch.
EQUITY
Kotak 30 To generate capital appreciation from a DP, DR & G
(December 29, 1998) portfolio of predominantly equity and
equity related securities with investment
Fund Manager
in, generally, not more than 30 stocks.
Krishna Sanghvi
Kotak Tax Saver# To generate long - term capital DP, DR & G Entry Load: • Where the purchase amount/switch in amount is equal to or more than Rs. 5 crores: Nil • Where the switch in is
appreciation from a diversified portfolio of from an Equity/Balanced/Equity FOF Scheme to an Equity/Balanced/Equity FOF Scheme: Nil • Where investments is made by
(November 23, 2005) FIIs or sub a/c of FIIs: Nil • Where investments is made by Fund of Funds as defined under SEBI Regulations: Nil • Where units
equity and equity related securities and
Fund Manager are allotted upon reinvestment of Dividends: Nil • Cases not covered above: 2.25%
enable investors to avail the income tax
Nikunj Doshi Exit Load: Nil
rebate, as permitted from time to time.
To g e n e r a t e l o n g t e r m C a p i t a l Entry • Where the purchase amount/switch in amount is equal to or more than Rs. 5 crores: Nil • Where the switch in is from an
Kotak Equity FOF DP, DR & G Equity/Balanced/Equity FOF Scheme to an Equity/Balanced/Equity FOF Scheme: Nil • Where investments is made by FIIs or sub a/c of FIIs: Nil
(August 9, 2004) appreciation from a portfolio created by • Where investments is made by Fund of Funds as defined under SEBI Regulations: Nil • Where units are allotted upon reinvestment of
investing predominantly in open - ended Dividends: Nil • Cases not covered above: 2.25%
Fund Manager
diversified equity schemes of Mutual Exit Load: • For exit within 6 months for investments less than Rs. 5 crores: 1% • Cases not covered above: Nil
Sajit Pisharodi
Funds registered with SEBI.
Kotak Flexi FOF* To provide long - term capital appreciation DR & G Entry: For investments < = Rs. 10 lakhs : 2.25%; otherwise Nil
(October 20, 2005) by investing in a portfolio of diversified Exit: Nil (during liquidity window)
equity schemes and liquid / short term /
Fund Manager
floating rate schemes / plans of mutual
Sajit Pisharodi funds registered with SEBI
HYBRID
To achieve growth by investing in equity & Entry: [1] Where switch-in is made from another Equity / Balanced / FOF Scheme of the Fund [2] where purchase/switch-in amount is
Kotak Balance DP & DR greater than or equal to Rs. 5 Crores (Switch-ins being from schemes other than those indicated in [1] above) [3] where Units are allotted
(November 25, 1999) equity related instruments, balanced with upon reinvestment of Dividends [4] Where the investor is a Fund-of-Funds as defined under SEBI Regulations [5] Where investments are
made by FIIs or sub a/c of FIIs: Nil • Where investments are made through SIP / STP of less than Rs. 25 lacs per installment and for,
income generation by investing in debt &
Fund Managers investments other than those indicated in [3], [4] and [5] above: 1.25% • Cases not covered above: 2.25%
money market instruments.
Krishna Sanghvi & Exit: • For investment through SIP/STP for less than Rs. 25 lakhs per installment, for exit within 24 months (calculated as date to date) :
1.00% • For investment through SIP/STP for greater than or equal to Rs. 25 lakhs but less than Rs. 5 crores (per installment), for exit within
Ritesh Jain 6 months (calculated as date to date) : 1.00% • For investment through non-SIP / non-STP, less than Rs. 5 crores, for exit within 6 months:
1.00% * Cases not covered above : Nil
Kotak Income Plus To enhance returns over a portfolio of DP, DR & G Entry: Nil
(December 2, 2003) debt instruments with a moderate
Fund Managers Exit: 0.5% for redemptions within 6 months where investment amount </= Rs. 10 lacs Nil for
Krishna Sanghvi & exposure to equity and equity related investment amount > Rs. 10 lacs
Ritesh Jain instruments.
Minimum Initial Investment : Rs. 5000 (# Rs. 500) • Additional Investment : In Multiples of Rs. 1000 except for Kotak Taxsaver: In multiples of Rs. 500. * No additional investment is
permissible in Kotak Dynamic FOF and Kotak Flexi FOF as they are close ended schemes.
DEBT
Kotak Bond To create a portfolio of debt and Deposit DP, DR & G Entry: Nil
(November 25, 1999) money market instruments of Exit: 0.5% for redemptions within 6 months where investment
Fund Manager different maturities so as to spread amount </= Rs. 10 lacs. Nil for investment amount > Rs. 10 lacs
Ritesh Jain the risk across a wide maturity
horizon & different kinds of issuers in Entry: Nil
the debt market. Regular DP, DR, G & B
Exit: Nil
Kotak Bond To provide reasonable returns and high
(May 2, 2002) level of liquidity by investing in debt &
Fund Managers money market instruments of different Entry: Nil
maturities, so as to spread the risk
Short Term DR & G
Ritesh Jain & Abhishek Exit: Nil
across different kinds of issuers in the
Bisen
debt market.
Kotak Floater To reduce the interest rate risk associated Entry: Nil
Long Term with investments in fixed rate instruments
(August 13, 2004) **** DP, DR & G Exit: 0.5% for redemptions within 6 months where investment
by investing predominantly in floating rate
Fund Managers amount </= Rs. 10 lacs. Nil for investment amount > Rs. 10 lacs
Ritesh Jain & Abhishek securities, money market instrument and
Bisen using appropriate derivatives
Minimum Initial Investment : Rs. 5000 (# Rs. 1 crore, $ Rs. 5 crores) • Additional Investment : In Multiples of Rs. 1000 except for Kotak Liquid Sweep which is not permissible
# DP - Dividend Payout; DR-Dividend Reinvestment; G-Growth; B-Bonus.
We declare that we, Kotak Mahindra Asset Management Company Limited, and / or are employees, have short / long positions in the
security(ies) in respect of which investment advice is being rendered.
Risk Factors :
• Mutual Funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the
Schemes will be achieved. • As with any securities investment, the NAV of the Units issued under the Schemes can go up or down
depending on the factors and forces affecting the capital and money markets. Past performance of the Sponsor/AMC/Fund or that of
existing Schemes of the Fund does not indicate the future performance of the Schemes. • Kotak Mahindra Gilt Unit Scheme ’98
(Kotak Gilt), Kotak Mahindra Bond Unit Scheme 99 (Kotak Bond), Kotak Mahindra Liquid Scheme (Kotak Liquid), Kotak Mahindra 30
Unit Scheme (Kotak 30), Kotak Mahindra Balance Unit Scheme 99 (Kotak Balance), Kotak Mahindra Technology Scheme (Kotak
Tech), Kotak Mahindra MNC Scheme (Kotak MNC), Kotak Mid-Cap Scheme (Kotak Mid-Cap), Kotak Floater Short Term Scheme,
Kotak Mahindra Global India Scheme (Kotak Global India), Kotak Mahindra Income Plus Scheme (Kotak Income Plus), Kotak Equity
FOF, Kotak Opportunities, Kotak Floater Long Term Scheme, Kotak Flexi Debt Scheme (Kotak Flexi Debt), Kotak Dynamic Fund of
Funds, Kotak Contra Scheme, Kotak Flexi FOF, Kotak Cash Plus Scheme, Kotak Tax Saver, Kotak Lifestyle & Kotak Emerging Equity
scheme are only the names of the Schemes and do not in any manner indicate the quality of the Schemes, future prospects or
returns.• Appreciation of the value of the Units issued under Kotak 30, Kotak Tech and Kotak MNC can be restricted in the event of a
high asset allocation to cash, when stock appreciates. • Investments by Kotak Tech in the Information Technology Sector will restrict
the diversification of the Scheme due to which the NAV of the Units issued under the Scheme runs the risk of high volatility. •
Technology stocks particularly run the risk of high volatility, high valuation and obsolescence. • The NAV of the Schemes may be
affected, interalia, by changes in the NAV / performance of the underlying schemes, market, market interest rates, Price/Interest-rate
Risk and Credit Risk, Concentration or Sectoral Risk associated with derivatives trading pertaining to Equity Markets, changes in
credit rating, Government policy, volatility and liquidity in the money markets, pressure on the exchange rate of the rupee, trading
volumes, performance of individual stocks, settlement periods and transfer procedures, Basis Risk, Spread Risk and Re-investment
Risk. • Tax laws may change, affecting the return on investment in Units. • In the event of receipt of a very large number of
redemption requests or very large value redemption requests or of restructuring of the Schemes’ portfolios or in case of limitation or
suspension of redemption in the underlying schemes, there may be delays in the redemption of Units. Please refer to the paragraph
on “Right to limit Redemption” in the Offer Documents.
Specific Risk Factors For Kotak Emerging Equity Scheme
The portfolio of the Scheme will comprise predominantly of equity and equity related securities and there could be Moderate to High
risk on account of Price Fluctuations and volatility. The ability of the mid & small cap companies to withstand the change in the
business cycle is limited, which may also lead to higher volatility in stock prices. Since the liquidity in the stocks of mid & small cap
companies is relatively lower than the stocks of large companies, the liquidity risk is also expected to be relatively higher. However, the
diversification and flexibility to invest up to 35% in other companies (large companies) reduces the overall volatility and liquidity risk
of the portfolio. Kotak Mahindra Bank Limited is not liable or responsible for any loss or shortfall resulting from the operations of the
Scheme.
Highlights of Kotak Emerging Equity Scheme
A 3 year close - ended equity growth scheme. Investment Objective: The investment objective of the scheme is to generate long -
term capital appreciation from a portfolio of equity and equity related securities, by investing predominantly in mid and small cap
companies. Asset Allocation: Equity and Equity related securities (65% to 100%) of which Mid and Small cap Companies (65% to
100%) and Other Companies (0%to 35%); Debt and Money Market Instruments (0% to 35%). Exit Load (during Liquidity Window):
NIL. As per SEBI circular dated April 4, 2006, balance proportionate unamortised issue expenses shall be recovered from exiting
Unitholders. Initial Issue Expenses not exceeding 6%. Liquidity Window: Liquidity for the first time will be available for 5 working days
in the 6th month from the closure of subscription. Subsequent liquidity window would be available quarterly, for last 5 working days..
Statutory :
Kotak Mahindra Mutual Fund has been established as a trust under the Indian Trusts Act, 1882, by Kotak Mahindra Bank Limited
(liability Rs. NIL) with Kotak Mahindra Trustee Company Limited as the Trustee and with Kotak Mahindra Asset Management
Company Limited as the Investment Manager. Kotak Mahindra Bank Limited is not liable or responsible for any loss or shortfall
resulting from the operations of the Scheme. Before investing, please read the Offer Documents.
Contact Details
For details contact us at:
KOTAK MAHINDRA ASSET MANAGEMENT COMPANY LIMITED
91/92, 9th Floor, Sakhar Bhavan, 230, Nariman Point, Mumbai - 400 021.
Tel.: 91-22-6638 4444 • Fax: 91-22-6638 4455
E-mail: mutual@kotak.com • Website: www.kotakmutual.com
• Agra: 9719222156 • Kanpur: 9839900378
• Ahmedabad: (079) 26574992 / 93 • Kolkata: (033) 22093043
• Amritsar: 9888265777 • Lucknow: 9839874428
• Aurangabad: 9860288066 • Ludhiana: 9814818980
• Bangalore: (080) 66128050 / 51 • Madurai: 9894763298
• Baroda: 9825404531 • Mangalore: (0824) 5283834 / 3835
• Bhavnagar: 9825433064 • Meerut: 9719459071
• Bhopal: 9827059053 • Moradabad: 9839905663
• Bhubaneshwar: 9861126118 • Mumbai: (022) 66384444 (Mr. R. Chandrasekaran)
• Chandigarh: (0172) 2727598 • Nagpur: 9822747585
• Chennai: (044) 64557686 / 87 • Nasik: 9881468214
• Coimbatore: (0422) 6572165 • Nellore: 9885563131
• Cochin: (0484) 2333358 • New Delhi: (011) 66306900/01/02/03
• Cuttack: 9937084567 • Patna: 9835453534
• Dehradun: 9719401444 • Pune: (020) 26053338 / 9053
• Goa: 9850471642 • Rajkot: 9825100339
• Guntur: 9885563131 • Ranchi: 9431415168
• Guwahati: 9864144002 • Rourkela: 9937156370
• Hyderabad: (040) 66682308 / 09 • Surat: (0261) 2210596
• Indore: 9826901004 • Trichy: 9944055455
• Jalandhar: 9888520569 • Varanasi: (0542) 2227309
• Jaipur: 9828510369 • Vijayawada: 9885562454
• Jamshedpur: 9835341494 • Visakhapatnam: 9885745602