National Securities Depository Limited · BSE:NSDL
National Securities Depository — Investor Presentation (May 2024)
53 slides from National Securities Depository's investor presentation, May 2024
Slide 1: Basics of Insurance
. oO Basics of Insurance NSDL @
Slide 2: Indian Securities Market - Overview
Indian Securities Market - Overview Market Regulator SEBI Stocks and Commodities Other Depositories Derivative Intermediaries Exchanges Stock Brokers, NSE, BSE, MSE, RTAs, Mutual NSDL, CDSL MCX etc. Funds, Investment Advisors etc.
Slide 3: Starting Investment in Securities Market
Starting Investment in Securities Market Accounts Required Bank Account Trading or Broking Account Demat Account Many DPs offer a 3-in-1 account opening facility which gives you the convenience of opening a trading, demat and bank account – all together. Now many DPs are offering online demat accoun
Slide 4: About NSDL
About NSDL 1996 Demat accountholders present First Depository One of the leading Depositories in in 99.27% of pincodes in India in India the world Wide service network – all States and UTs No. of Service Centres – 61,298
Slide 5: Growing Custody Value
Growing Custody Value 423.44 > 87% Market 294.45 Share 227.51 119.30 67.56 Dec. 2010 Dec. 2015 Dec. 2020 Dec. 2021 Mar 2024 Total Value of All Assets Held In All NSDL Demat Accounts in ₹ Lakh Crore
Slide 6: NSDL's Progress
NSDL’s Progress 350 Bank deposits and 302 300 NSDL Custody Value 244 250 200 186 172 169 160 155 146 Aggregate Bank Deposits of All 150 140 129 Scheduled Banks (in ₹ Lakh 117 Crore) 110 100 NSDL Demat Custody Value (in ₹ Lakh Crore) 50 Bank Deposit Source : RBI 0 Mar. 31, 2017 Mar. 31, 2018 Mar. 31,
Slide 7: NSDL's Progress
NSDL’s Progress 350 GDP and NSDL Custody Value 302 300 250 244 237 201 198 200 190 186 171 172 GDP at Market Price (in ₹ Lakh Crore) 160 154 146 NSDL Demat Custody Value (in ₹ Lakh Crore) 150 100 50 GDP Source : https://dbie.rbi.org.in/ 0 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22
Slide 8: Indian Securities Market - Depository System
Indian Securities Market - Depository System Issuer Company / RTA Clearing Corporation (NSE Clearing Limited/ Other Depository Indian Clearing Corporation Limited) DP 1 DP 2 Stock Broker / Stock Broker / Trading Member 1 Investor 1 Investor 2 Clearing Member 2
Slide 9: Services offered by Depository Participant
Services offered by Depository Participant Account Opening Change in account details Demat*, Remat of securities, Account freeze Conversion & Redemption of (Account level, ISIN level Mutual Fund Units and Quantity level) Transfer of securities** Pledge and Margin Pledge of securities *Even unlisted
Slide 10: Key points on Anti-Money Laundering
Key points on Anti-Money Laundering Legislative and Regulatory References • Prevention of Money Laundering Act, 2002 • Prevention of Money Laundering (Rules), 2005 • SEBI Master Circular – October 15, 2019 What is Money Laundering (ML)? • Money Laundering is “the process in which the proceeds of cri
Slide 11: Key points for all Investors
Key points for all Investors Individuals: • Provide officially valid documents for proof of identity and address • Furnish correct information on income, occupation, business, marital status, etc. • Provide accurate financial information – salary or business income as applicable • Inform about any c
Slide 12: Be a Prudent Investor
Be a Prudent Investor Keep record of documents signed, account statements, contract notes received and payments made. Save important emails and take periodic back up of data. Change password of your online accounts frequently. Never share your passwords, OTP, CVV and PIN with any one. Never click on
Slide 13: Be a Prudent Investor
Be a Prudent Investor Inform your DP about any change in your Personal Information such as address, bank account immediately. Always mention your Mobile Number and email ID in account opening form and keep them updated. NSDL publications and presentations are available in Hindi, English and other la
Slide 14: Be a Prudent Investor – Don'ts
Be a Prudent Investor – Don’ts Never deal with any unregistered or unauthorised market intermediary. Check on the SEBI’s website that your stock broker / authorised person, mutual fund distributor, investment advisor are registered with SEBI. Never invest with borrowed money. Avoid unnecessary loans
Slide 15: Be a Prudent Investor
Be a Prudent Investor @ NSDL Technolowy, Teust & Rewett wrt Nominate Karo - Surakshit, Samajhdaar, | @ NSDL aur Atmanirbhar Niveshak Bano! B.. Hurry!! Last date is ca ___ June 30, 2024 NOMINATE YOUR LOVED ONES TODAY!! | Teen st Opting-in/Opting-out of nomination is mandatory in your Demat Account to
Slide 16: Be a Prudent Investor
Be a Prudent Investor @ NSDL Technolowy, Teust & Rewett ier Do Not Fall Prey To Stock Tips, Hot Picks etc. Circulated on Twitter, Instagram, WhatsApp, Telegram, Unsolicited SMS, YouTube Channels etc. Be a Prudent Investor ult a SEBI Regist E t Advisor and Do You Homework Bef
Slide 17: Be a Prudent Investor
Be a Prudent Investor @ NSDL Technolowy, Teust & Rewett ier Do Not Invest In Any Ponzi Scheme, Unregistered Collective Investment Scheme or Any Other Schemes Promising Unrealistic Returns
Slide 18: NSDL Newsletter for Investors
NSDL Newsletter for Investors The Financial Kaleidoscope – Free monthly newsletter Newsletter – The www.nsdl.co.in Education Financial Kaleidoscope
Slide 19: SEBI Investor Website
SEBI Investor Website Learn to Manage Your Money for Financial well-being. For more information, please visit SEBI’s Investor website https://investor.sebi.gov.in
Slide 20: SEBI's Mobile App for Investor Education
SEBI’s Mobile App for Investor Education
Slide 21: If You are holding Securities in Paper form
If You are holding Securities in Paper form 1. Provide PAN, KYC information and Nomination to RTA / Company for all joint holders. 2. Get PAN and Aadhaar linked for all joint holders. 3. Folio may be frozen if not complied. 4. Electronic interface provided by company / RTA for various service reques
Slide 22: Grievances Redressal
Grievances Redressal 1. Read Investor Charter at www.nsdl.co.in → Education 2. Lodge your complaint with SEBI at https://scores.sebi.gov.in/ or SEBI Mobile App – SCORES. 3. For filing dispute for resolution by conciliation and arbitration, visit SEBI’s Securities Market Approach for Resolution Throu
Slide 23: Be cautious
Be cautious while scanning QR codes to make payments. Be alert of online loan apps and quick-win lottery schem Be alert. Never click on ) unknown links... you may risk expo: your bank account to frauds. Unauthorised Digital Lena App Fake Lottery Schemes Beware of unknown links: * Delete SMS/emails w
Slide 24: Basics of Insurance
© NSDL Basics of Insurance
Slide 25: What is Insurance?
What is Insurance? 1. Insurance is a financial product that reduces or eliminates the cost of probable loss of life or some asset. 2. Insurance is a risk transfer tool. By taking an insurance policy, you transfer risk to insurance company. 3. Insurance company assumes risk against premium paid by ma
Slide 26: Why Insurance?
Why Insurance? Insurance does not reduce the Certain insurance are mandatory, probability of occurrence of adverse e.g. motor insurance events It just helps you to manage the financial Buying certain type of insurance helps impact or amount of loss if the adverse in saving income tax also, e.g. life
Slide 27: Popular Types of Insurance
Popular Types of Insurance Life Insurance Non Life or General Insurance 1. Term insurance 1. Health Insurance 2. Whole life 2. Travel Insurance 3. Endowment 3. Motor Insurance 4. Unit Linked Insurance Plan or ULIP 4. Home Insurance 5. Money back 6. Retirement plan 7. Child Insurance 8. Annuity or Pe
Slide 28: Insurance Sector in India
Insurance Sector in India • Insurance Regulatory and Development Authority of India (IRDAI) is the regulator. • There are many players offering numerous products to suit various needs. IRDAI 26 27 General Insurers Life Insurers Complete list available at www.irdai.gov.in > Home >> Insurers
Slide 29: Do You need Insurance?
Do You need Insurance? You need insurance if you feel that the financial impact or amount of loss on account of occurrence of the adverse event will be difficult to manage. Examples 1. You need to buy life insurance policy if you are the one of the earning member of your family. You do not buy Life
Slide 30: How to Choose Life Insurance Policy?
How to Choose Life Insurance Policy? Important parameters which one should consider before selecting a life insurance policy - 1. Your current income and expenses 2. How much money your family may need when you are not there? 3. How much premium you can afford? 4. Insurer’s claim settlement record 5
Slide 31: What should be the Life Insurance Sum Assured?
What should be the Life Insurance Sum Assured? 1. It is important to buy an insurance policy. Equally important is to ensure that insurance amount or coverage is adequate. 2. Sum Assured Amount should be sufficient to ensure that your family members (dependents) are able to maintain same life style
Slide 32: What is Free Look Period?
What is Free Look Period? 1. It is period during which a policy holder can review the policy terms and if not satisfied, may return the policy with any penalty or charge. 2. Certain expenses like medical check-up expenses incurred, stamp duty paid etc. can be recovered by insurance company. 3. 15 da
Slide 33: What is the Grace Period?
What is the Grace Period? 1. Grace period is additional time the insurance provider gives after the premium due date to pay your premium. 2. The grace period is 30 days if premium is paid annually. For other premium frequencies, its 15 days. 3. Life cover continues during the grace period. 4. Health
Slide 34: Lapse Of Policies - Revival
Lapse Of Policies - Revival 1. Insurance policy lapses when the insured defaults on the payments of renewal premium beyond grace period. 2. When the policy lapses, its benefits also lapse. 3. Insurance companies generally provide an option to reactivate the lapsed policy. 4. This option is generally
Slide 35: Health Insurance: How To Buy Insurance?
Health Insurance: How To Buy Insurance? Important parameters which one should consider before selecting a health insurance policy - 1. Coverage of various diseases including pre-existing diseases 2. Minimum period of hospitalization required 3. Pre and post hospitalization expenses 4. Various limits
Slide 36: Whom To Buy Insurance From?
Whom To Buy Insurance From? Some of the common channels to buy insurance are: 1. Directly from the insurance company 2. Individual Agents 3. Corporate Agents (e.g. Banks) 4. Insurance Brokers 5. Web Aggregators
Slide 37: Difference Between an Agent and Broker
Difference Between an Agent and Broker An insurance broker represents you as the client whereas an Insurance Agent represents the company they are engaged by. An Insurance Broker is interested in An Insurance Agent sells, negotiates, or selling, buying or negotiating various promotes financial produ
Slide 38: Whom To Buy Insurance From - Online Or Offline?
Whom To Buy Insurance From - Online Or Offline? Why Online? Why Offline? 1. Lot product information is available in a 1. Insurance products are complicated and user friendly format. sometimes difficult to understand on your 2. Wide comparison features available – own. across products and companies.
Slide 39: Some Important Insurance Schemes
Some Important Insurance Schemes Saral Jeevan Bima 1. It’s a standardised Term Life Insurance Policy and offered mandatorily by all life insurance companies. 2. Terms and Conditions of the policy are same across all insurance companies. 3. Sum insured – Minimum - ₹5 Lakh, Maximum - ₹25 Lakh in the m
Slide 40: Some Important Insurance Schemes
Some Important Insurance Schemes Saral Jeevan Bima 6. Each company can decide the premium independently. 7. Policy can be purchased by anyone between 18 – 65 years of age. 8. Policy term may be between 5 – 40 years. Maturity age is 70 years. 9. Compulsory waiting period of 45 days after date of comm
Slide 41: Some Important Insurance Schemes
Some Important Insurance Schemes Arogya Sanjeevani Policy 1. It’s a standardised Health Insurance Policy and offered mandatorily by all insurance companies offering health insurance. 2. Terms and Conditions of the policy are same across all insurance companies. 3. Sum insured can be decided by each
Slide 42: Some Important Insurance Schemes
Some Important Insurance Schemes Arogya Sanjeevani Policy 5. This Policy mandatorily covers most common diseases including COVID – 19 and treatments including Ayush treatment. 6. Policy can be purchased by anyone between 18 – 65 years of age. 7. Policy term is one year but can be renewed every year
Slide 43: Some Important Insurance Schemes
Some Important Insurance Schemes Pradhan Mantri Jeevan Jyoti Bima Yojana 1. It is a one-year term life insurance scheme. 2. Can be renewed each year, till 55 years age. 3. Eligibility – Any individual who is 18 to 50 years having a bank account. 4. This is Aadhaar linked policy, so can be purchased
Slide 44: Some Important Insurance Schemes
Some Important Insurance Schemes Pradhan Mantri Suraksha Bima Yojna 1. It is a one-year Accidental Death and Disability Insurance cover. 2. It can be renewed yearly. 3. All individual bank account holders (single or joint both) in the age group 18-70 years are eligible. 4. Fixed premium amount - ₹12
Slide 45: What Is An Insurance Repository?
What Is An Insurance Repository? 1. Insurance Repository is an entity licensed by IRDAI which enables holding of insurance policies in an electronic form. 2. It maintains policy data on behalf of insurance companies. 3. It also act as a single point of service for all e-policies held by a policyhold
Slide 46: What You Must Do Before Buying An Insurance?
What You Must Do Before Buying An Insurance? 1. Insurance is a subject matter of solicitation. Technically, it means insurance is purchased, not sold. So its your responsibility to understand the product before you price for it. 2. Satisfy yourself that agent you are dealing with is licensed by the
Slide 47: Remember
Remember 1. Insurance is not same as investment. It should not be purchased only for tax benefit. 2. If used as investment tool, it may prove costly in comparison to stand alone investment options. 3. Understand the claim process before you buy any policy. Remember your beneficiary should also be co
Slide 48: Remember
Remember 6. Keep the beneficiary or your family members informed about your insurance policy. 7. Always add the nominee for the policy. Review periodically whether you want to change nominee for your policy. 8. Remember to pay premium on time. Sending Premium Due notice or Renewal Notice is not a st
Slide 49: What To Do In Case of A Problem or Complaint?
What To Do In Case of A Problem or Complaint? 1. Every Insurance company is required to provide contact information for any query or problem or complaint. 2. These details can be found in the policy documents and on the website of the company. 3. Information about escalation matrix and nodal officer
Slide 50: References
References 1. https://www.policyholder.gov.in/ 2. https://www.irdai.gov.in/ 3. IRDAI Toll Free Number for complaints - 155255 (or) 1800 4254 732 4. email - complaints@irdai.gov.in
Slide 51: Insurance Ombudsman
Insurance Ombudsman 1. This is available to all individual policyholders. 2. You can approach Ombudsman only if you had approached your insurance company earlier with the complaint and it was rejected or not resolved within 30 days or not resolved up to your satisfaction. 3. The value of the claim i
Slide 52: Follow us on
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Slide 53: THANK YOU
THANK YOU We welcome your feedback and suggestions about this program at www.nsdl.co.in / info@nsdl.com
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