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Market Outlook

Page No.

Mutual Fund Performance

WealthIdeas
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NOVEMBER 2011, Volume : 7, Issue : 8 Price: Rs.3

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1. Risks like Forgery,Thefts,Bad Delivery,Delays in transfer etc, associated with physical certificates,are eliminated. 2. Having a demat account, you will always an opportunity to invest in various asset classes. 3. Having a demat account, you will able to hold Shares,Bonds,Mutual Funds. 4. Shares allotted in public issues are directly credited into demat account of the applicants in quick time. 5. Auto credit of Bonus/Rights/Public Issues/Dividend credit through ECS. 6. Auto Credit of IPO refunds to the bank account. 7. Pledging of securities. 8. Holding/Transaction details through Internet/e-mail. 9. Change of address, Signature, transmission etc,can be made easily.

Dear Investor,

Birla Sun Life CPOF - Series 8

HDFC Standard Life-Progrowth Maximiser 3 Birla Sun Life - Platinum Advantage Plan 3 TATA AIG Life - Maha Life Gold 4

OBJECTIVES:

NPS-National Pension System

In the recent Monetary Policy by RBI has taken a bold step in announcing the deregulation of savings account interest rates. Interest rates on saving account could settle between 4% and 6% in the medium term for an amount less than 1 lakh which is more than 2% from the current rates. Some private sector banks like yes bank, Kotak bank has announced the rates whereas the large deposit base banks are unlikely to announce the revision immediately. Growth forecast for the current fiscal to 7.6% from 8% because of slowing world economy and declining domestic demand but the inflation forecast is expected at 7% from the current level of 9.72% in September. Inflation however remains a worry. Hence the equity market is likely to be volatile in the coming months. Infrastructure Bonds issued by IFCI, PFC are in the market to invest and get additional deduction of Rs 6000 (on the maximum IT slab) for an investment of Rs 20,000. 8% Tax free bonds like HUDCO, PFC are in the market for investment. In the Life Insurance, traditional policies of TATA Maha Life Gold, Birla vision and LIC Jeevan Anand will be an option for the investors for their Life cover. Portability in Health Insurance scheme gives more flexibility to move for a better coverage like lifelong health cover, coverage without sublimit etc by paying extra premium. Happy investing and thank you for your wholehearted support to Wealthzone. Please email your queries, clarifications and feedback to us at response@wealthzone.in With Regards M.Ganapathi Subramanian

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Applicant should be the age of Investor can choose his own Fund.

investment option and Pension

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Wealth Ideas - November 2011

2
List of Selected Mutual Funds Performance as on 10th November 2011 (Absolute %)
Objective NAV* (10-Nov-11) Corpus* (in Crs)
831.75 451.22 1664.51 333.98 2627.34 1789.24 679.83 1259.40 3205.97 3391.66 320.21 718.23 4235.62 1773.79 728.07 1799.96 558.41 416.52 9738.90 1339.46 1443.65 480.52 11064.99 1685.80 3296.06 2360.38 3021.54 327.22 590.02 2550.38 1440.15 2985.23 7166.81 1064.85 2907.02 256.29 173.84 757.98 2081.13 225.70 327.55 1426.65 602.44 749.48 1702.18 765.03 Nishit Dholakia Mahesh Patil Sanjay Chawla Mahesh Patil Apoorva Shah Anup Maheshwari Anup Maheshwari Apoorva Shah Apoorva Shah Sandeep Kothari Sandeep Kothari Nitin Bajaj Anand Radhakrishnan K. N. Siva Subramanian K. N. Siva Subramanian Anand Radhakrishnan Chirag Setalvad Vinay Kulkarni Prashant Jain Srinivas Rao Ravuri Chirag Setalvad Vinay Kulkarni Prashant Jain Mrinal Singh S Naren Prashant Kothari S Naren Munzal Shah Sanjay Parekh Kenneth Andrade Omprakash Kuckien Sailesh Raj Bhan Sunil Singhania Ashwani Kumar Ashwani Kumar Srividhya Rajesh J. Venkatesan Srividhya Rajesh Satish Ramanathan Sachin Relekar M Venugopal M Venugopal M Venugopal J Mark Mobius Anoop Bhaskar Amandeep Chopra -15.26 -27.12 -21.98 -15.06 -17.29 -26.69 -19.01 -18.96 -13.40 -14.13 -13.70 -16.56 -11.18 -17.08 -18.93 -11.17 -17.36 -20.94 -20.20 -15.06 -10.76 -17.54 -17.75 -17.00 -11.41 -10.70 -22.24 -23.91 -19.95 -9.91 -24.50 -14.06 -22.89 -18.27 -22.77 -33.53 -16.74 -21.29 -18.72 -15.87 -17.65 -28.97 -17.80 -23.76 -8.34 -4.45 -17.87 -4.45 -33.53 6 Months -5.43 -8.72 -8.52 -3.02 -0.33 -6.92 -2.20 -8.49 -5.59 -4.56 -5.38 -0.33 -8.72 23.53 -7.91 2.37 10.28 13.72 -5.25 11.23 26.49 10.47 19.70 19.80 14.23 18.40 12.76 11.99 17.71 15.85 14.97 13.51 18.38 34.91 15.57 11.19 20.57 18.08 23.08 -5.61 6.30 8.70 35.82 -15.51 32.17 7.39 5.94 2.77 -2.11 16.09 0.87 17.10 21.80 3.92 -11.87 8.69 6.84 21.22 10.69 12.10 35.82 -15.51 1 Year -14.93 -24.93 -21.73 -14.47 -8.04 -18.27 -17.10 -19.72 -17.98 -21.32 -17.85 -8.04 -24.93 130.70 67.91 107.96 78.55 97.22 59.93 94.92 146.95 82.59 104.58 110.61 85.89 101.23 99.82 108.22 91.78 104.16 114.86 121.94 87.59 137.55 109.67 104.98 165.10 101.21 123.55 53.86 92.56 86.78 150.74 22.25 143.57 87.58 72.19 74.16 65.44 76.97 48.27 121.37 119.11 80.37 43.05 87.93 94.57 123.65 44.56 96.27 165.10 22.25 2 Years 7.79 -2.39 6.97 21.42 23.28 14.76 14.68 17.15 3.70 -0.09 10.73 23.28 -2.39 94.38 24.70 61.49 38.60 83.48 29.32 49.99 -76.31 72.13 -42.64 65.78 49.98 27.45 63.63 65.24 42.49 79.46 79.64 -52.43 82.85 63.39 64.86 -46.45 11.11 31.83 172.21 10.09 69.25 66.61 -38.53 34.29 30.42 42.83 62.62 82.25 37.34 22.94 60.56 62.89 93.73 44.58 56.85 172.21 10.09 3 Years 72.25 79.98 85.47 109.12 103.16 107.41 -91.58 75.09 60.36 87.16 109.12 60.36 5 Years 21.17 25.52 -78.20 66.73 52.58 -42.79 35.41 55.99 47.30 78.20 21.17

Scheme Name

Fund Manager

1 Year

2 Years

3 Years

5 Years

Since
Inception 724.92 44.15 904.51 112.16 1876.29 298.72 693.35 67.88 851.13 237.60 17.50 72.99 4852.63 203.87 2469.85 2042.34 917.27 263.40 2412.82 726.22 54.43 175.77 2323.36 342.47 330.10 59.39 156.72 189.61 916.53 229.83 22.86 242.16 4073.24 16.89 2281.46 120.19 49.09 712.60 1337.67 211.69 755.08 178.29 1941.69 1068.61 172.45 444.41 830.35 4852.63 16.89 Since Inception 1071.38 4659.79 52.97 108.92 1970.75 6905.09 88.97 94.73 1634.38 705.32 1729.23 6905.09 52.97

Birla Sun Life Dividend Yield Plus Birla Sun Life Infrastructure Fund - Plan A Birla Sun Life Mid Cap Fund - Plan A Birla Sun Life Top 100 Fund DSP BlackRock Equity Fund DSP BlackRock India Tiger Fund DSP BlackRock Opportunities Fund DSP BlackRock Small and Midcap Fund DSP BlackRock Top 100 Equity Fund Fidelity Equity Fund Fidelity India Growth Fund Fidelity India Special Situations Fund Franklin India Bluechip Franklin India Flexi Cap Fund Franklin India Prima Fund Franklin India Prima Plus HDFC Capital Builder Fund HDFC Core & Satellite Fund HDFC Equity Fund HDFC Growth Fund HDFC Mid-Cap Opportunities Fund HDFC Premier Multi - Cap Fund HDFC Top 200 ICICI Prudential Discovery Fund ICICI Prudential Dynamic Plan ICICI Prudential Focused Bluechip Equity Fund ICICI Prudential Infrastructure Fund ICICI Prudential MidCap Fund ICICI Prudential Top 200 Fund IDFC Premier Equity Fund - Plan A Reliance Equity Fund Reliance Equity Opportunities Fund Reliance Growth Reliance Top 200 Fund Reliance Vision Sundaram CAPEX Opportunities Fund Sundaram Rural India Fund Sundaram Select Focus Sundaram Select Midcap Tata Dividend Yield Fund Tata Equity Opportunities Fund Tata Infrastructure Fund Tata Pure Equity Fund Templeton India Growth Fund UTI Opportunities Fund UTI RBP Fund Average Maximum Minimum Scheme Name TAX SAVING SCHEMES (E.L.S.S) (Absolute %) Birla Sun Life Tax Plan Birla Sun Life Tax Relief 96 DSP BlackRock Tax Saver Fund Fidelity Tax Advantage Fund Franklin India Taxshield HDFC Taxsaver IDFC Tax Advantage (ELSS) Fund Reliance Tax Saver (ELSS) Fund SBI Magnum Tax Gain Scheme 93 Sundaram Taxsaver Average Maximum Minimum

Dividend Yield Infra Mid cap Large Cap Flexi Cap Thematic Flexi Cap Small-Mid Cap Large Cap Flexi Cap Flexi Cap Thematic Large Cap Flexi Cap Mid cap Flexi Cap Value Flexi Cap Flexi Cap Flexi Cap Mid cap Flexi Cap Large Cap Value Flexi Cap Large Cap Infra Mid cap Flexi Cap Mid cap Large Cap Flexi Cap Flexi Cap Large Cap Flexi Cap Flexi Cap Thematic Flexi Cap Mid cap Dividend Yield Flexi Cap Infra Large Cap Flexi Cap Flexi Cap Speciality

12.79 9.86 20.34 13.10 45.24 15.30 25.75 14.09 20.16 19.95 11.75 15.69 37.03 13.90 34.32 25.75 22.10 18.78 42.36 29.18 15.44 13.79 42.00 17.83 16.35 15.21 10.35 14.42 15.17 24.16 12.29 22.15 47.91 10.76 35.30 9.67 10.82 8.76 16.27 17.83 19.29 18.27 34.82 45.35 13.83 17.74

NAV* (10-Nov-11) 42.26 70.13 10.92 17.40 30.04 54.23 11.66 13.63 34.10 9.50

Corpus *(in Crs) 149.87 1557.69 748.04 1143.31 790.39 3187.36 136.04 2163.73 5193.65 1338.70

Fund Manager Sanjay Chawla Ajay Garg Anup Maheshwari Sandeep Kothari Anil Prabhudas Vinay Kulkarni Neelotpal Sahai Ashwani Kumar Jayesh Shroff Satish Ramanathan

* Dividend Option

All investments in mutual funds are securities and subject to market risk

BIRLA SUN LIFE CAPITAL PROTECTION ORIENTED FUND - SERIES 8

NFO Opens NFO Closes Investment Objective 17.11.2011 30.11.2011 The scheme seeks to provide capital appreciation linked to equity market with downside protection at the end of tenure. 1. Fund expects to achieve down side protection by investing in debt securities with tenure comparable with the tenure of the Plan, subject to the credit risk. 2. Fund expects to achieve the market-linked appreciation (upside) by investing in premium of exchange traded options 3. The Fund proposes to restrict its derivative exposure only to the extent of buying of call options. Hence the maximum loss could be equivalent to the premium paid, not any more. Moreover, the premium paid will be equal or lower to the coupon receivable Type of Scheme Tenure Options Asset Allocation Minimum Application Amount Benchmark Rating Load Structure Terms of Issue from fixed income securities after providing for fund expenses. Close Ended Capital Protection Oriented Scheme 25 Months The scheme shall have Growth Option only Debt Securities and money market instruments (80% - 100%) and Options Premium (0% - 20%) Rs 5,000 and in multiples of Rs. 10 thereafter CRISIL Balanced Fund Index CARE AAA mfs (SO) by CARE Entry Load: Nil & Exit Load: Nil Rs. 10/- per unit during NFO

Disclaimer: Please read the Scheme Information Document & Statement of Additional Information carefully before investing.

Wealth Ideas - November 2011

HDFC STANDARD LIFE - PROGROWTH MAXIMISER

Product category : Unit Linked Insurance Plan Product type : Investment Objective : Long term Investment Guarantee : No KEY FEATURES Benefit of paying single premium Choices of Investment funds Highest NAV Guarantee fund option Capital guarantee fund option Partial withdrawal facility available Policy Loan available KEY BENEFITS Customer can enjoy longer life cover with single premium payment Customer can opt three investment funds : a)Highest Nav guarantee fund b)Free asset allocation fund or C)Capital guarantee fund Customer can enjoy Daily Highest Nav guarantee recorded during first seven years or min guaranteed nav of Rs.15 whichever is higher on maturity Customer can get capital protection even in volatile market condition in future if capital guaranteed fund opted Customer can do partial withdrawal after 5 policy years for liquidity Customer can avail policy loan against this policy. The maximum loan can be availed is upto 40 % of surrender value or one annual premium whichever is lower TAXATION Deductions under Sec 80 C: Deduction amounting to a maximum of Rs. 1 lakh is available under Section 80 C This deduction is applicable only if policies are proposed on self, spouse and children Exemptions Sec 10(10 D): Maturity proceeds is tax free provided premium paid in any year do not exceed 20% of the sum assured. Death benefit is tax free. Entry age Maximum maturity age Minimum Benefit period Maximum Benefit Period Pay period Mandatory pay period Minimum Premium Maximum Premium Top up Facility Minimum Topup Maximum Topup PRODUCT SNAP SHOT 14 - 65 years 75 years 5 / 10 years 10 years Single Single Mode Premium(Rs.) Single 50,000 No limit Yes allowed Rs.10,000. Subject to minimum SA of 1.25 times of topup For Highest Nav fund Option : Equal to single premium paid at inception For free asset allocation fund option : No Limit Yearly Minimum Sum assured Maximum Sum assured Partial withdrawal Policy Loan Minimum partial withdrawal Maximum partial withdrawal Maturity Benfit Surrender Benefit 1.25 times of single premium 5 times of single premium Yes, allowed after five policy years Yes, available subject to the maximum of 40 % of surrender value only if the life assured attains the age 18 Rs.10,000 50% of single premium through out the term Fund value Before 5 years: Fund value will be moved to discontinous fund which will earn minimum guarantee rate of 3.5% p.a and the total fund value will be given at the end of fifth policy year After 5 years: Fund value will be given The greater of Sum Assured or Fund value will be given FUND OPTION

Death benefit

Payment mode

1) Highest NAV Guarantee Fund Fund Name Equity Debt Highest NAV 0% - 100% 0% - 100% On maturity, the guaranteed nav will be the higher of A. minimum guaranteed nav of Rs.15 (or) B. the highest nav recorded daily during the first 7 years 2) Capital Guarantee Fund( Maturity Unit Price will be atleast equal to purchase unit price) Fund Name Equity Debt Capital Guar. Fund 0% - 100% 0% - 100% On maturity, the capital guar. Fund will maximise returns through dynamic allocation between equity and debt. 3) Free Asset Allocation Option With free asset allocation option, customer can choose from all or any one of the following funds. Fund Name Equity Debt Short Term Fund 0% 100% Income Fund 0% 100% Balanced Fund 40% - 80% 20% - 60% Bluechip Fund 80% - 100% 0% - 20% Opportunities Fund 80% - 100% 0% - 20% Switching Yes , allowed Multiple allocation Yes, allowed if free asset allocation fund opted

BIRLA SUN LIFE - PLATINUM ADVANTAGE PLAN

Product category Product type Objective Guarantee : : : : Unit Linked Investment Long Term Investment Highest of Daily NAV of first three years Premium is guaranteed during First seven years and three months
Quarterly Monthly 7,500 2,500 (For monthly mode first premium should be equal to two months premium and ECS is mandatory) Maximum Premium Top Up Facility Minimum Top up No limit Yes, available Rs. 5000, subject to Basic Sum Assured addition Not allowed for first three years if guaranteed fund option chosen Data not available Yearly, Half yearly, Quarterly and Monthly 10 * AP for age less than 45 7 * AP for age 45 and above Rs.50000 and entry age is 18 to 65 Yes, allowed after 5 years No limit Rs. 5,000 No data Fund Value Yes, allowed for 5 years post maturity Higher of basic sum assured or fund value or Enhanced Sum assured if any No No Accidental death & disability, critical illness, surgical care, hospital care & waiver of premium rider Guaranteed Fund Option Debt 0% - 100% Self Managed Fund Option Equity Debt 0% 100% 0% - 10% 90% - 100% 10% - 20% 80% - 90% 20% - 35% 65% - 80% 30% - 50% 50% - 70% 50% - 90% 10% - 50% 80% - 100% 0% - 20% 0% 0% -100% 80% - 100% 0% - 20% 80% - 100% 0% - 20% 2 free switches per policy year Yes, allowed in self managed fund option Equity 0% - 100%

KEY FEATURES Highest of daily NAV is guaranteed for first three years premium if opted guaranteed fund option Two investment option fund Guaranteed & Self Managed Fund option Enhanced Sum Assured Cover Continuance Option (CCO) is available, which ensures life cover even if premiums are not paid after five policy years KEY BENEFITS Cutomer gets first three years invested premium as guarantee and higher maturity benefit since highest of daily NAV declared during first seven years and three months is given as guarantee Customer can opt for two invesment options - Guaranteed Option ,where customer can get highest NAV guarantee for first three premiums or Self Managed Fund, where customer can select ten different fund options Customer can enjoy enhanced sum assured as per the need Customer need not to pay premium after five years which ensures there is no mandatory long term commitment and at the same time the customer continues to enjoy the life cover TAXATION Deductions under Sec 80 C: Deduction amounting to a maximum of Rs. 1 lakh is available under Section 80 C. This deduction is applicable only if policies are proposed on self, spouse and children. Exemptions Sec 10(10 D): Maturity proceeds is tax free provided premium paid in any year do not exceed 20% of the sum assured. Death benefit is tax free
Entry age Minimum Maturity Age Maximum Maturity Age Minimum Benefit period Maximum Benefit Period Pay period Mandatory pay period Minimum Premium PRODUCT SNAP SHOT 8 - 70 years 18 years 80 years 10 years 10 years Limited 5 years Mode Premium(Rs.) Yearly 25,000 Half Yearly 15,000

Maximum Top up Payment mode Min/Max Basic Sum Assured Min. Enhanced Sum Assured Partial withdrawal Withdrawal in a year Minimum partial withdrawal Maximum partial withdrawal Maturity benefit Settlement Option Death benefit Loyalty/guaranteed addition Waiver of Premium (In built) Riders (Optional) FUND OPTION Platinum Advantage Fund

Fund Name Assure Protector Builder Enhancer Creator Magnifier Maximiser Income Advantage Mutliplier Super 20 Switching Multiple allocation

Disclaimer: Insurance is the subject matter of solicitation. All reasonable care has been taken to ensure that the information contained herein is not misleading or untrue at the time of publication, but we make no representation as to its accuracy or completeness. All information is for the private use of the person to whom it is provided without any liability whatsoever on the part of WAI Insurance Broking Services Pvt. Ltd, any associated company, or employee thereof. Nothing contained herein should be construed as an offer to buy or sell or a solicitation of an offer to buy or sell.

Wealth Ideas - October 2011

4
WEALTHZONE BRANCHES

CHENNAI ANNA NAGAR ADAYAR ASHOK NAGAR TAMBARAM NANGANALLUR TAMIL NADU COIMBATORE MADURAI
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Date of Posting 18th November 2011.

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Lemuir House, Ground Floor, 10 G N Chetty Road, T. Nagar, Chennai 600 017 Phone : 91 44 42152356/57 Fax : 91 44 42152358

wz wealthzone

Top ELSS Funds Performance Report as on 10 th November 2011

Simple Annualised % (Point to Point) Scheme Name Fidelity Tax Advantage Fund - Growth Franklin India Taxshield - Growth HDFC Long Term Advantage Fund - Growth HDFC Taxsaver - Growth ICICI Prudential Taxplan - Growth Reliance Tax Saver (ELSS) Fund - Growth Religare Tax Plan - Growth Tata Tax Saving Fund
All investments in mutual funds are securities and subject to market risk

NAV Launch Date Corpus (in Crs) 1 Year 20.89 207.09 128.33 213.45 131.88 19.38 16.95 44.97 27-Feb-06 10-Apr-99 2-Jan-01 13-Jun-96 19-Aug-99 22-Sep-05 29-Dec-06 31-Mar-96 1143.31 831.87 944.64 3187.36 1332.82 2163.73 108.88 133.06 -14.47 -8.03 -16.91 -18.28 -14.94 -19.72 -13.48 -11.74

2 Years 3 Years 5 Years Since Inception 10.71 11.65 8.70 7.37 10.34 8.57 10.11 6.66 36.31 34.34 32.50 35.57 42.93 30.46 36.53 30.15 15.63 13.34 8.49 10.32 8.46 8.55 -7.91 19.10 156.52 108.98 323.95 99.63 15.44 14.28 113.79

TATA AIG LIFE - MAHA LIFE GOLD

Product category Product type Objective Guarantee : : : : Traditional Plan Investment Long Term Investment No Entry age Minimum maturity age Maximum maturity age Pay period Mandatory pay period Minimum Premium Maximum Premium Payment mode Minimum Sum assured Maximum Sum assured Survival Benefit PRODUCT SNAP SHOT 0(30 days) to 60 15 years 74 years 15 years 15 years Mode Premium(Rs.) Yearly 2500 pa No limit Yearly / Half yearly / Quarterly / Monthly Rs.25,000(increased by 1000) No limit(subject to underwriting guidelines) Guaranteed survival benefit of 5% of sum assured from 10th policy anniversary onwards and Non guaranteed cash dividends as per the companies declared rate of returns from 6th policy anniversary till life time of life to be assured A maturity benefit on reaching age 100 or death benefit paid to nominee ( whichever is earlier) Sum assured ie risk cover till 100 age Data not available Accidental death and dismemberment rider, 5,10 & 15 year term riders,WOP rider, Accidental death benefit rider, Critical illness(lumpsum & accelerated rider benefit rider CHARGES A guaranteed surrender value will be given which is equal to 30% of total amount premiums paid on basic policy excluding first year provided the premium has been paid for at least three consecutive years

KEY FEATURES Guaranteed annual cash payment of 5% of sum assured from 10th policy anniversary onwards Non Guaranteed cash dividend from 6th policy anniversary onwards Life Cover Upto 100 years Choice of riders for enhanced protection Tax free returns KEY BENEFITS Guaranteed annual cash payment of 5% of sum assured every year till life time from 10th policy anniversary onwards Additional non guaranteed cash dividend from 6th policy anniversary for life time based on the performance of the company Life cover is upto the age of 100 For enhanced protection, choice of riders available All returns both guaranteed and non guaranteed every year is tax free TAXATION Deductions under Sec 80 C: Deduction amounting to a maximum of Rs. 1 lakh is available under Section 80C This deduction is applicable only if policies are proposed on self, spouse and children Exemptions Sec 10(10 D): Maturity proceeds is tax free provided premium paid in any year do not exceed 20% of the sum assured. Death benefit is tax free

Maturity Benefit Death benefit Policy Loan Riders (Optional)

Surrender Charges

DISCLAIMER: All reasonable care has been taken to ensure that the information contained herein is neither misleading nor untrue at the time of publication, but we make no representation as to its accuracy or completness. All information is provided without any liability whatsoever on the part of Wealth Advisors India Pvt. Ltd. or the publisher.

Published by Mr. V. Mahadevan, on behalf of Wealth Advisors India Pvt. Ltd. from Lemuir House, Ground Floor, 10 G N Chetty Road, T. Nagar, Chennai 600 017 and printed by Mr. V Subramanian at S.Viswanathan Printers & Publishers . Pvt. Ltd. 38, McNichols Road, Chetpet, Chennai 600 031. Editor: V. Mahadevan.