Professional Documents
Culture Documents
ON
BY
ZEESHAN MEHDI
MBA II
ROLL NO.56
Submitted to
SIR SOHAIB
Engro Definitation:
ENGRO stands for “energy for growth”. From inception, ours is a legacy
of continuous growth, new challenges and fulfilled promises. From fertilizers
to dairy products, business solutions to PVC resin, power generation to
commodity trade, at Engro our ambition is to become the premier Pakistani
enterprise with a global reach.
With an attractive profit rate of 14.5% per annum, Engro Rupiya is superior
to most saving schemes in the country. It offers you unprecedented
convenience and guaranteed returns. Our strong code of ethics and
transparent procedures assure no hidden costs and the peace of mind you
deserve.
The Product:
Key features of the product
• Fixed Profit rate of 14.5% per year payable every 6 months for a tenor
of 3 years
• Minimum investment of Rs. 25,000 with increments of Rs. 5,000
• Profit earned from the first day of investment
• Profit deposited directly into your bank account for added convenience
• Rated “AA” which denotes very high credit quality
• Free pickup of application form right from your doorstep
• No minimum holding period so investments can be encashed anytime
subject to service charges of 2% on the investment balance for
encashments before completion of 3 years
In order to provide you with the convenience you deserve, Engro Rupiya has
partnered with all the leading banks in Pakistan; giving you the ease to
invest with us from anywhere in Pakistan or even abroad!
Profit Payments
Profit for an investment of Rs. 1,000,000 is illustrated in the table below:
• Zakat is exempted for non-Muslims and for applicants who submit Zakat
Affidavit
• Withholding tax is not applicable on investments below Rs. 150,000
a) Visit the branches of any of our partners’ and submit the subscription
form with your cheque/demand draft/pay order
or
b) Contact our Call center (Number) return the completed form with your
cheque, demand draft or pay order to our door delivery staff, who will deliver
it to Engro.
At Engro our investors’ convenience is our priority! With the Engro Rupiya
Certificate you have the comfort of investing right from your door step. Call
us at our UAN (111-Rupiya) 111-787-492 and we will collect your
subscription form, NIC copy and pay order, demand draft or cheque from
your residence.
Engro Rupiya Certificates will be listed on KSE thus for investor maintaining
their certificates with the Central Depository Company (CDC), the certificate
can be sold on the exchange through their stock broker.
Or
JS Global Capital Limited (formerly Jahangir Siddiqui Capital Markets Limited)
will act as Market Maker for the issue. The role of the market maker will be
to offer bid & ask quotes for the TFCs at a spread of 0.50% and 1.50% in
yield, or equivalent price terms, for marketable or non-marketable lots
respectively. Price will be determined by market maker in light of prevailing
liquidity, interest rates and credit risk on the issuer. Thus the certificates can
be encashed from the market maker at their bid price.
invested for a period of 3 years. This financial product also offers investors
the option to encash the certificates at any time, with the profit accumulated
from the date of purchase to the date of encashment, in order to ensure the
Engro has partnered with 15 institutions, including banks and other financial
The returns will be calculated from date of purchase of Certificates till the
date of encashment. Whereas in the case of National Saving Schemes, any
encashments before completion of profit period (6 months in the case of
Special Saving Schemes), no profit is paid.
Anyone can invest! Engro Rupiya allows everyone to invest. There are no
stringent eligibility criteria as in the case of National Saving Schemes
(Behbood Saving Certificates, Pensioners’ Benefit Account) where only a
certain category of investors (widows and senior citizens aged above 60) are
allowed to invest.
• http://www.nation.com.pk/pakistan-news-newspaper-daily-english-
online/Business/15-Oct-2010/Engro-launches-new-saving-scheme-
Rupiya-Certificate
• http://engrorupiya.com/home/
• http://www.youtube.com/watch?v=fiGML-VeBqk&feature=related
• http://pakistan247.blogspot.com/2010/10/engro-rupiya-certificates-
profit-145.html
• http://engrorupiya.com/engro-rupiya/
• http://dugg.pk/engro-rupiya-certificate-14-5-rate-of-return-per-year-
give-life-to-your-money-engro-rupiya-certificate-34022.html
• http://engrorupiya.com/knowledge-center/faqs-2/
• http://thefinancialdaily.com/pages/news/national/mcb-joins-hand-with-
engro-rupiya-15840.aspx
• http://paperspedia.com/give-life-to-your-money/
• http://www.fileguru.com/apps/engro_rupiya_certificate/p2