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Benefits to companies
∑ The companies will be able to know the particulars of beneficial owners and their
holdings periodically.
∑ At the time of declaration of dividends, bonus s, etc, there will not be any rush for
transfer related activities for the companies.
Benefits to the capital market
∑ The capital market will be more transparent as the trading, clearing and settlement
mechanism have to be highly automated and interlinked with the depositary among them.
∑ The market will be highly automated and efficient due to the above two aspect.
∑ The foreign investors will start participating in the market resulting in a more buoyant
∑ Capital market.
∑ The existence of depository will result in increase in the volume of trade both by number
and value.
National Securities Depositary Ltd (NSDL)
The first depositary in India. The national securities Depositary Ltd (NSDL) was established in
1996. It has been promoted by the Industrial Development Bank of India. Unit trust of India and
NSE.
NSDL started operations in November 1996 and has made significant progress since then.
NSDL performs a wide range of securities related functions
∑ Maintenance of individual investor‟s beneficial holdings in an elective form.
∑ Dematerialization of securities.
∑ Account transfer for settlement of trade in electronic shares.
∑ Allotments in the electronic form in case of initial public offerings.
∑ Distribution of non-cash corporate actions.
∑ Facility for freezing or locking of investor accounts.
∑ Facility for pledge and hypothecation of securities.
In the first 16 months of its operations, 186 companies constituting over 50% of the total market.
Capitalizations have signed up agreements with NSDL to get their securities admitted for
dematerialization. A total of 163 crore shares values at Rs.19,600 crores have already been
dematerialized.
According to NSDL, the dematerializations volume has crossed Rs.4,63,385 crores as on March
2001. There are 341 depository participants operational as on March 2007 which are providing
services at about 1452 locations in India. Over 24 lakh clients have opened accounts with these
DPs. There are 5632 corporate which have signed agreements with NSDL of which securities of
6973 corporate as available for dematerialization.
Right now, seven stock exchanges, the NSE, BSE, CSE, DSE, luthiana and Bangalore stock
exchanges have established connectivity with NSDL.
Central Depository Services (India) Ltd (CSDL)
The CSDL has been set up by Bombay stock exchange and co-sponsored by SB, Bank of India,
Bank of Baroda and HDFC Bank. It commenced its operations on March 22, 1999. Up to
March2000, 680 companies made available their shares for demat. The market value of
dematerialized securities amounted to Rs. 8188 crore. The number of beneficial owners stood at
28545. As on April 2008 there were 422 depository participants with 5771 DP service centers.
The number of investors account was 52, 68,932. 6063 companies made available their shares,egisteredas such with SEBI under the provisions of the SEBI Act.A DP is the first point of
contact withthe investor and serves as a link between the investor andthe company through
depository indematerialization of shares and other electronic transactions.According to SEBI, the
followingcan apply for DP: Public financial institutions, scheduledcommercial banks, foreign
banksoperating in India with the approval of the Reserve Bank ofIndia, state financial
corporations,custodians, stock-brokers, clearing corporations / clearinghouses, NBFCs and
registrar to an issue or share transfer agent complying with the requirementsprescribed by
SEBIcanberegistered as DP.
Securities and Exchange Board of India (Depositories and Participants) Regulations, 1996:
Securities and Exchange Board of India (Depositories and Participants) Regulations, 1996
A. Registration of Depository
(1) An application for the grant of a certificate of registration as a depository shall be made
to the board by the sponsor and shall be accompanied by the fee Rs. 50,000 in the form of
a demand draft or bankers‟ cheque payable to the SEBI, Mumbai.
(2) The application shall be accompanied by draft bye-laws of the depository that is proposed
to be set up.
(3) A Sponsor who is applying for registration as Depository may be: a public financial
institution a bank included for the time being in the Second Schedule to the Reserve Bank
of India Act, 1934 a foreign bank operating in India with the approval of the Reserve
Bank of India;
(4) A Recognized stock exchange
(5) A body corporate engaged in providing financial services where not less than seventy
five percent. of the equity capital is held by any of the institutions mentioned in above
sub-clauses
(6) A body corporate constituted or recognized under any law for the time being in force in a
foreign country for providing custodial, clearing or settlement services.
(7) An institution engaged in providing financial services established outside India and
approved
(8) by the Central Government;
B. Grant of certificate of registration. :
After the Board is satisfied that the company established by the sponsor is eligible to act as
depository, it may grant a certificate of registration to the depository subject to the following:
(a) The depository shall pay the registration fee of Rs. 25,00,000, within 15 days of receipt
of information.
(b) The depository shall comply with the provisions of the Act, the Depositories Act, the
bye-laws, agreements and these regulations;
(c) The depository shall not carry on any activity other than that of a depository
(d) The sponsor shall, at all times, hold at least fifty one per cent. of the equity share capital
of the depository.
C. Payment of annual fee. :
Payment of annual fee. A depository who has been granted a certificate of registration under
shall pay annual fee of Rs. 10,00,000 to SEBI.
D. Certificate of Commencement Of Business:
A depository, which has been granted a certificate of registration shall within one year from the
date of issue of such certificate make an application to the Board for commencement of business.
E. Registration of Participant

5
Department of Management Studies, GCEM
Services of Merchant Banking
ß Corporate Counseling
ß Project Counseling
ß Capital Restructuring Services
ß Credit Syndication
ß Issue Management and Underwriting
ß Portfolio Management
ß Working capital Finance
ß Merger and Acquisition
ß Venture Financing
ß Lease financing
ß Mutual Finance
ß Relief to sick Industries
ß Project Appraisal
ß SEBI Guidelines for Merchant Banking
ß All merchant bankers will require authorization by SEBI to carry out business.
ß An initial authorization fee, an annual fee and renewal fee may be collected by SEBI.
ß All issue must be managed at least by on authorized banker.
ß Each merchant banker is required to furnish to the SEBI half yearly unaudited financial
result.
ß SEBI has prescribed the code of conduct for the each merchant banker.
ß SEBI has the power to suspend or cancel the authorization in case of violation.
ß To ensure the transference and accountability in operation of the merchant banker and
protect the investors.
ß Inspections will be conducted by SEBI to ensure that provisions of the regulation are
properly complied.
Issue management
Issue management involves marketing of corporate securities, like equity share, preference
shares and debentures or bonds by offsetting them to public. Merchant banks act as intermediary
whose main jobs are to transfer capital from those who own it to those who need it.
Equity issues
Equity issue otherwise known as Public issue or Initial public Offering. It is a marketable of
securities to general public. Under this method, the issuing company directly offers to the general
public or institutions a fixed number of shares at a stated price through a document called
prospectus. This is the most common method followed by joint stock companies to raise capital
through the issue of security.
Principal steps of a Public Issue
Public issue, as already stated refers to the issue of new share to the public. The new shares or
debentures may be offered either directly to the public through a prospectus (offer document)or
indirectly through an offer for sale involving financial intermediaries or issuing houses.
The main steps involved in public issue are the following:
i) Draft prospectus
A draft prospectus is prepared giving all details as mentioned earlier. Any company or a listed
company making a public issue or a right issue of value of more than Rs.50, 00,000 has to file a
draft offer document with SEBI for its observation. The company can proceed further only after
getting observations from the SEBI. The company has to open its issue within three months from.

vi) Brokers to the issue
Then recognized members of the stock exchanges are appointed as brokers to the issue for
marketing the issue. They are eligible for a maximum brokerage of 1.5%
vii) Filling of documents: The draft prospectus along with the copies of the agreements entered
into with the lead manager, underwriter, banker, registrars and brokers to the issue have to be
filed with the registrar of companies of the state where the registered office of the company is
located.
viii) Printing of Prospectus and Application forms
After filling the above documents, the prospectus and application forms are printed and
dispatched to all merchant bankers, underwriters and brokers to the issue.
ix) Listing the issue
It is essential to send a letter to the stock Exchange concerned where the issue is proposed to be
listed giving all necessary details and stating the intention of getting the shares listed on the stock
exchange. The initial listing application has to be sent with a fee of Rs. 7,500.
x) Publication in Newspapers
The next step is to publish an abridged version of the prospectus and the issue‟s commencing
andclosing dates in major English dailies and vernacular newspapers.
xi) Allotment of shares
After the close of the public issue all application forms are scrutinized, tabulated and then shares
are allotted against those applications received.
xii) Underwriters Liability
In case, the issue is not fully subscribed, then the liability for the subscription to the extent of
under subscription falls on the shoulders of underwriters who have to subscribe to the shortfall.
SEBI guidelines for equity issue
∑ Disclose to be made in the prospectus
∑ Company profile
∑ Pricing of issue
∑ Promoters contribution
∑ Issue of convertible
∑ Proportionate allotment of shares
∑ Firm allotment to mutual funds, foreign institutional investors and financial institution
∑ Underwriting has been made mandatory
∑ The collection center and collection agencies.
Pre issue and Post issue obligations
Pre-Issue Obligations
∑ Documents to be submitted along with Offer Document by the Lead Manager
∑ MOU
∑ Inter-se Allocation of Responsibilities
∑ Diligence Certificate
∑ Certificates signed by Company Secretary or Chartered Accountant
∑ List of Promoters‟ Group & other details
∑ Promoter individual shareholding.
∑ Stock exchanges on which securities proposed to be listed, Permanent A/c No.

By „promoter‟, „promoter group‟ & relatives of „promoters‟ b/w date of filling offer
documents & date of closure of issue.
∑ Appointment of Intermediaries
∑ Merchant Banker not lead manage issue:
∑ If he is a promoter or a director of issuer company.
∑ Can manage if securities listed/proposed to be listed on OTCEI.
∑ Merchant Banker lead manage issue:
∑ Associate of Issuer Company.
∑ Involved in marketing of issue.
Underwriting: The lead merchant banker shall satisfy themselves about the ability of the
underwriters to discharge their underwriting obligations. The lead merchant banker shall:
∑ Incorporate a statement in the offer document to the effect that in the opinion of the
lead merchant banker, the underwriters ‟ assets are adequate to meet their
underwriting obligations.
∑ Obtain the underwriters written consent before including their names as underwriter’s
inthe final offer document. In respect of every underwritten issue, the lead merchant
bankershall undertake a minimum underwriting obligation of 5% of the total
underwritingcommitment or Rs. 25 Lakhs, whichever is less .Offer document to be
made public the draft offer document filed with the SEBI shall be made public for a
period of 21 days, from the date of filing the offer document with the SEBI.
The lead merchant banker shall:
1. While filing the draft- offer document with the board can also file the draft offer document
with the stock exchange.
2. While filing the copy of the red-herring prospectus, prospectus or letter of offer , as thecae
may be , with the board, can also file the copy of red herring prospectus , prospectus with the
stock exchange.
3. Make copies of the draft offer-document available to the public and final-offer documents on
the websites of all the lead managers associated with the issue No complaint certificate After a
period of 21 days from the date the draft offer document was made public , the lead merchant
banker shall file a statement with the board:
1. Giving a list of complaints received by it.
2. A statement whether it is proposed to amend or not
Mandatory collection centres the minimum number of collection centres for an issue of capital
shall be:
∑ The four metropolitan centre situated at Mumbai, Delhi , Calcutta and Chennai,
∑ All such canters where stock exchange are located in the region in which the registered
office of the company is situated.
∑ The regional division of collection centres.
Authorized collection agents: The issuer company can appoint authorized collection agents in
consultation with the lead merchant banker, subject to necessary disclosures including the names
and addresses of such agents are made in the offer document. The collection agents may collect
such applications, as are accompanied by payment of application monies paid by cheque, drafts.
The application forms, along with the duly reconciled schedules, shall be forwarded by the Agreements with depositors the lead manager shall ensure the issuer company have entered into
agreements with all the depositories for dematerialization of securities. He shall also ensure that
an option be given to the investors to receive the allotment of securities in a dematerialized form,
through any of the depositors.
Post-Issue Obligations
Post issue monitoring reports the post issue lead merchant banker shall
ensurethesubmissionofthepost issue monitoring reports Due-diligence certificate to be submitted
with the final postissue monitoring report. The post issue lead merchant banker shall file a
duediligence certificatein the format specified along with the final post issue monitoring
reportRedressal of the investor grievances the post-issue lead merchant banker shall actively
associatehimself with post-issue activities namely allotment, refund and despatch and
shallregularly
monitor redressal of investor. Coordination with the intermediaries the post-issue lead
merchantbanker shall maintain close coordination with the Registrars to the Issue. Any act of
omission orcommission on the part of intermediaries shall be reported to the BoardUnderwriters
the lead merchant banker shall satisfy himself that the issue is fully subscribedbefore announcing
closure of the issue the lead merchant banker shall ensure that theunderwriters honor their
commitment within 60 days from the date of closure of the issue. Thelead merchant banker shall
furnish information in respect of underwriters who failed to meettheir underwriting
developments
Bank to issue: The post-issue lead merchant banker shall ensure that moneys received
pursuantto the issue are kept in a separate bank (i.e Bankers to issue) as per the provisions of
section73(3) of the companies act, 1956. Post issue advertisements Post- issue lead merchant
bankershall ensure that in all issues, advertisement giving details relating to oversubscription,
basis onallotment, number, value and percentage of application received etc. is released within
10 days.Basis of allotment in a public issue of securities, the managing director along with the
leadmerchant banker and the registrar to an issue, shall ensure that basis of allotments is finalized
ina fair and proper manner Proportionate-allotment Procedure an allotment shall be made on
aproportionate basis within the specified categories. The proportionate allotments of securities in
an issue that is over subscribed shall be subject to reservation for their tail individual investors as
described in the following:
A minimum 50% of the net offer of securities to the public shall initially be made available
forthe allotment to retail individual investors as the case may be the balance net offer of
securities
to the public shall be made available for allotment to:
a) Individual applicants other than retail individual investors
b) Other investors including corporate bodies/institutions, irrespective of the number of shares,
debentures and so on, applied for.
SEBI Guidelines for Debenture Issue
The amount of working capital debenture should not exceed 20% of the gross current assets.
∑ The debt equity ratio should not exceed 2:1
∑ The rate of interest can be decided by the company
∑ Credit rating is compulsory for all debentures excepting debentures issued by public
sector
∑ Companies, private placement of Non-convertible Debenture (NCD) with financial

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When getting a loan you may have some simply questions about the process or regarding requirement. We have placed some of the most frequently asked questions you may have to make the loan process easier for you. A personal loan is a way for an individual to receive up to $35,000 in funding. It is a loan that can be used for home enhancements, luxury item purchases, vehicle repairs or large purchases. The length of the loan is called the term and can range all the way up to 180 days, depending on the lender. Our simple online form does not contain any long questions. Instead, it asks for your basic information and a location for where you would like the loan to be sent to. It is that easy!

We take privacy seriously, so we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also look at our privacy policy for more details on this,. Representative Example
APR, Total Loan Costs & All Applicable Fees
Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68 $1,720.12..

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Representative Examples For APR, Total Loan Costs & All Applicable Fees
Loan Amount $1,000 $2,000 $5,000 $10,000
Interest Rate 24% 19% 13% 8%
Loan Term 12 Months 24 Months 48 Months 60 Months
Fee 3% 5% 8% 10%
Fee Cost $30 $100 $400 $1,000
Repayment $94.56 $100.82 $131.67 $202.28
APR 29.82% 24.12% 18.23% 9.20%
Total Payments $1,134.72 $2,419.68 $6,320.12 $12,136.80
Total Costs $164.72 $519.68.Lenders have unique Renewal Policies. Some of them have automatically renew or “roll-over” features. These conveniences often come at an additional fee. Please ask the lender you were connected with for their renewal policy. Again, it is vital to read through the entire Loan Agreement and Disclosures to make sure you are comfortable with their terms before accepting the loan.

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Application
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Investment banking is a type of banking that organizes large, complex financial transactions such as mergers or initial public offering (IPO) underwriting.Definition: Investment banking is a special segment of banking operation that helps individuals or organisations raise capital and provide financial ..List of Bulge Bracket Investment Banks Here’s a list of bulge bracket investment banks (in alphabetical order): Bank of America Merrill Lynch Barclays

Introduction-
Functions of Investment Banks – Types of Investment Banks-Investment Banking Services –
Merchant Banking Services-Issue Management-Pre issue and Post issue obligations-Changing
landscape of Investment Banking Regulation of the Capital Market- SEBI regulations for
merchant bankers, brokers and sub brokers, intermediaries and portfolio managers- SEBI issue
and Listing of Debt securities Regulation 2008.
An investment bank is a financial institution that assists individuals, corporations, and
governments in raising financial capital by underwriting or acting as the client’s agent in the
Assurance of Securities (or both).
Functions of Investment Banks
a. Core Business
∑ Underwriting
∑ Distributing
∑ Advising
∑ Others
b. Back Office
∑ Operations
∑ Technology
c. Middle Office
∑ Risk Management
∑ Corporate Treasury
∑ Financial Control
∑ Corporate Strategy
∑ Compliance
d. Core Business – Underwriting
∑ Assuming the risk of selling a security issue at a satisfactory price
∑ Term borrowed from insurance
e. Core Business – Distributing
∑ Selling function of investment banking
∑ The primary function of an investment bank is buying and selling products.
f. Core Business – Advising
∑ Providing advice in the issuance & marketing of securities
∑ Research is the division which reviews companies and writes reports about their
prospects, often with “buy” or “sell” ratings.
g. Core Business > Others
∑ Global transaction banking
∑ Investment management
∑ Merchant banking
∑ Middle Office
∑ Risk Management: Involves analyzing the market and credit risk that traders are taking
onto the balance sheet in conducting their daily trades. Setting limits on the amount,

capital that they are able to trade in order to prevent ‘bad’ trades having a detrimental
effect to a desk overall.
∑ Corporate Treasury: Responsible for an investment bank’s funding, capital structure
management, and liquidity risk monitoring.
∑ Financial Control: Tracks and analyzes the capital flows of the firm. Adviser on
essential areas such as controlling the firm’s global risk exposure and the profitability and
structure of the firm’s various businesses.
∑ Compliance: Responsible for an investment bank’s daily operations’ compliance with
government regulations and internal regulations.
∑ Operations & Technology: Data-checking trades that have been conducted, ensuring
that they are not erroneous, and transacting the required transfers.
Types of Investment Banks
There are two major types of investment banks based on their function. This might be more
Relevantly referred to as branches of operation in investment banking.
1. Sell side: that includes functions such as trading securities and includes the facilitation
oftransactions through market-making, and the promotion and marketing of securities
throughresearch and underwriting.
2. Buy side: refers to institutions that give guidance and advice as it pertains to buying
investmentservices. Common entities on the buy side include insurance companies, hedge
funds, unit trusts,mutual funds and private equity funds.
Private or boutique investment banks: are concerned with private and confidential information
and transactions that might not be revealed to the public. They are usually smaller banking
entities that specialize in one or more areas of investment products. Others in this sector
focustheir services on one type or one specific group of industries. These private entities carry
out avariety of functions. Some may act as investment advisors while others specialize in the
trade ofcertain assets and commodities. There are also those that offer services to specific social
groupsand industries. Examples of private investment banks include; Almeida Capital, Atlantic-
PacificCapital, J.P. Morgan Cazenove, Triago, China International Capital Corporation and
CITICSecurities.
Public, Full-service or Bulge bracket investment banks: enlist a wider variety of
marketactivities that include research, underwriting, mergers and acquisitions, trading, merchant
banking, investment management and securities trading services. These bulge bracket banks
areenormous investment institutions that cover all or most industries. They serve a wide variety
ofclient types and offer most if not all possible types of investment banking services in
theirportfolio. Major institutions that fall under this umbrella today are Bank of America Merrill
Lynch, Barclays Capital, Citigroup, JPMorgan Chase and Morgan Stanley.
Investment Banking Services
Corporate Financial & Advisory: The management and underwriting of public and
privatesecurities. Identification of investors for new ventures or for the expansion of
establishedbusiness. Handling of public and private companies mergers, acquisitions and
restructuring.Undertaking of industry research or project feasibility studies. Undertaking of share
valuations for various purposes. Private placements of debt and equity.
Underwriting – Guarantee that all the issued shares will be sold. If there is any portion that is
unsold, the underwriting institutions themselves will take it up.
Buy side: refers to institutions that give guidance and advice as it pertains to buying investment.

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