Thank you KR ---------- Forwarded message --------- From: NSDL <communicati...@nsdl.co.in> Date: Thu, 7 Mar 2024 at 05:22 Subject: NSDL Newsletter - The Financial Kaleidoscope - March 2024 (Women's Day Special issue) - Invest in Women, Accelerate progress To: <keyarinc...@gmail.com>
<http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVwYNGA==&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5aFwEPSgIMGVwMHEURUFtRVwRHXV9bFRZfB0pAGUVYEw==&ext=> *From the Editor's Desk* *Dear Reader,* Traditionally women have been home makers, nurturers, in charge of home and hearth. While women around the world comprise 50% of the population, access to financial services and leveraging it to gain financial independence, has been slow over the decades. Several socio-economic factors ranging from cultural barriers, gender biases etc. have kept women on the backburner of financial inclusion. However, there has been a significant rise in women investors, women-owned enterprises and women accessing credit. Read more to know about this potential segment of investor. Please do like, share & subscribe to our NSDL Social Media channels Twitter, LinkedIn, Instagram, Facebook & YouTube. *Regards,* *NSDL – Your Depository* *Invest in Women, Accelerate progress* *It is abundantly clear that if economies, nations, neighborhoods, and communities wish to thrive, financial services providers must focus on women.* Let me start by asking a question. Do you know how many women there are in the world? 3.95 billion. With India and China ranked 1st and 2nd in the ‘most populous’ category, the number of women in these two countries alone comprise approx.1.3 billion. With approx. *36.3% of Indians deemed urban, a median age of 28.2, and approx. 28% of women in the age group of 20-49 (Source 1)*, combined with various other socio-economic factors, including the oft-repeated Internet penetration of around 48%, high adoption, and increase in smartphone usage, it would seem but natural that women would be a natural target segment for financial services providers, fintech companies, NBFCs, and other allied businesses. *The truth is...* Numbers don’t lie. As per the *‘**India Inequality Report 2022**’ less than 32% of India own a mobile phone (Source 2)*. The report goes on to say that women have handsets that don’t cost much, aren’t as sophisticated, and more importantly, owning a mobile device in many households is a decision taken by a man. In rural India, **Internet subscribers number less than 34 per 100, according to the report*. Despite disheartening numbers, there are other factors that weave a compelling narrative for women. *MSMEs contribute 45% to India’s exports and 30% to the GDP. 20.37% of MSME owners are women (Source 3).* Why do women-led businesses form only *10% of the gross loan portfolio of most financial services providers (Source 4)?* Lack of access to credit, solutions, tools, and resources that have focused only on the largely male consumers are some of the oft-cited reasons. Cultural biases, gender biases, fewer asset holdings in their name, and lack of a formal ‘credit’ score or credit history, are several such factors that are barriers to women being financially included, and financially independent. *Fintech's can forge a new path* Technology can create a level playing field for everyone. Banking and financial services providers can leverage technology as a solution and different channels as mediums for delivery. Better outreach, and improvement of financial awareness through digital literacy programs, can lower the barriers to important information for understanding and decision-making. For example, a women’s empowerment group like SEWA (Self Employed Women’s Association) uses pre-recorded messages relayed over a voice call or through WhatsApp. Relevant and important information through SMS reminders can also be an important use of mobile technology. Digital banking through platform solutions like FINTAP by FIA can prove to be easy to use, convenient, safe, and fast. Checking a bank account, or withdrawals and deposits become so much easier with the aid of Bank Sakhis or CSP-operated banking kiosks, or doorstep banking, services that encourage women to walk towards financial independence. Bank sakhis often act as financial advisors, urging women to think of their child’s education or health and promote investments into Government security schemes, digital gold with an investment as low as Rs.10/-, or even inform them of loans available for a business, agriculture, or other investments. *Meanwhile...* We all know that women contribute significantly to the well-being of families, societies, and even business. The ascent of women entrepreneurs in almost every business vertical is a vindication of the fact that women can do better when they are provided the right impetus. Mint, in a recent article, states that the *AMFI annual report for 2022-2023 reveals 27.50 lakh women investors joined the mutual fund landscape in the last three years, Female Labour Force Participation Rate in the country has improved significantly by 4.2% in 2023 and now stands at 37%. (Source 5)* Strategies to target women must include: - *Leveraging AI-powered technology* to min business intelligence that can help customize products and services to cater to women. - *Open Network for Digital Commerce (ONDC) *is a great level-playing platform that can bridge the urban/rural divide and facilitate women-led businesses to make significant headway. - *Develop comprehensive women-centric skilling programs *with the help of NSDC and its various arms to create a woman-friendly ecosystem to develop skills, awareness, or entrepreneurship among other skills. - *Mobile banking can increase access to *financial products such as health, life, and livestock insurance, lowering the barrier to access which can make significant inroads into women’s financial inclusion. - *Improve social protection *which acts as a critical safety net during crises, allowing women to benefit from cash transfers, food security, and several other Govt. schemes that are essential to help them break the cycle of poverty, education, and opportunity. - *Collaborate with* organizations such as SEWA that not only provide women with a platform for their skills but are also working on their digital training. - *Easier access to credit *can embolden women to foray into the world of business, get credit, or loans, and achieve financial goals. *Studies reveal that loan delinquency among women is much lower than in men – 5.2% as compared to 6.9%. (Source 6)* While the share of women borrowers may show an uptick, the fact remains that out of 600+ million females in India, we still have only about *13% of women willing to borrow money (Source 7)*. With an increasing number of women getting better education, economically aware, and financially independent, businesses cannot afford to ignore them. After all, it is a multi-billion-dollar revenue opportunity that businesses, fintechs, etc. cannot afford to ignore. As we approach International Women’s Day, whose theme coincides with what I have been advocating - Inspire Inclusion. *Sources:* *Source 1 - ESCAP* *Source 2 - Hindustan Times on Oxfam Report&*Source 3 & 4 - IDR - Making Digital Financial services work for women by Kalpana AjayanSource 5 - Live Mint - Women in Finance: How to overcome challenges holding female participation backSource 6 - Live Mint – Women pip men in matters of lending credit profile Source 7 - Economic Times - International Women’s Day – Healthy Growth in Women Borrowers by Anushka Sengupta* *The article is written by * *Ms. **Seema Prem**, Co-founder and CEO of * *FIA Technology Services* *The author is the Co-founder and CEO of FIA Technology Services, a self-funded and profitable social impact fintech providing solutions in the banking and financial services sector. Headquartered in Gurgaon, FIA is enabling millions of underserved and unserved in India, Nepal and Bangladesh, become financially included and financially resilient through the delivery of financial services and products with the help of their vast outreach and technology prowess.* *Key Information for Investors* *Investor Grievance Redressal Mechanism* *1. *SEBI Master Circular on the redressal of investor grievances through the SEBI Complaints Redress System (SCORES) platform dated November 7, 2022. Investors can access the master circular with the below link. SEBI | Master Circular on the redressal of investor grievances through the SEBI Complaints Redress System (SCORES) platform <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUCXBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUU1EVkJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVjRUJFVEYxdE1HRUlWUkJzWFYxVlJHZ0pjUWg1Y0NCWmRCMTVWV3hwZEFrRVZCaFJJVkYxRFVSTUtXUlJIRndzSkVCd0tBRlJVR2c5VUZrQUVSMGxTWFJZR0ZnZ0FFUnBhREI1QkRGY2FTbEVCUVZGRFJnZFZIQTFmR1Y1YlJnWkJGUXdVU0ZCR1dGY1FCMVlGVVV0SUVnNURWMFVCRGhnV1hRQVpFbEFHV0JrSENnNFVEUUplV3haQUdCWlhVMHBSRmtBWlEwd1ZUVlFQRkVkVVdrSUdRVXdUQ2dSRFVsNUFDemtPVWdNTVYwZ09SVlZjJmV4dD0=> *2. *We encourage investors to Read* ‘Investor Charter’ *at https://nsdl.co.in/publications/investor_charter.php <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUCXRk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUU1EVlJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVjRUJFVEYxdE1HRnNSVjFsS1VWZ1dYUXNjUkVWWENsQlNBMDFkV0Z0RFRGc1BGUU1XUTF0RGJRVU9XUlJBWFJkSUZsbEkmZXh0PQ==> *3. Online web-based complaints redressal system *of NSDL can be accessed via link https://nsdl.co.in/nsdlnews/investors.php <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDVBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUU1EVmhrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVjRUJFVEYxdE1HRnNSVjFsS1VWZ1dYUXNjV2tOUkNsZFVGVW9iWGx0R0JrRVZEQlFXR1VSWlFnPT0mZXh0PQ==> (Post your complaints/queries to NSDL) *4. *Lodge your complaint with SEBI at https://scores.gov.in/scores/Welcome.html <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDVRk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUUlIVXhrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVjRUJFVEYxdE1HRVlCWEVjQlFSbGZXeE1kWFY0YUZWcGVFRnhIR0dKVkQxRU9EZ05MWDBCY1hnPT0mZXh0PQ==> or SEBI Mobile App - SCORES *SEBI Toll free helpline *- 18002667575 / 1800227575 *NSDL helpline *- 022-48867000 *NSDL email for grievance *- relati...@nsdl.com <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDVhk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS3hmJw==&ext=> *NSDL email for other information *- i...@nsdl.com <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDVxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS3haAgo=&ext=> Resolve your disputes in Securities Market online using *SMART ODR* Portal. Visit https://smartodr.in/login <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDUBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUUlCVVJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVIQ1FRUkVBNEhSUnNMWFJvSVhWQlJXZz09JmV4dD0=> *5. SEBI Master Circular on Online Resolution of Disputes in the Indian Securities Market* SEBI has issued Master Circular on Online Resolution of Disputes in the Indian Securities Market vide its Circular No. SEBI/HO/OIAE/OIAE_IAD-1/P/CIR/2023/145 dated July 31, 2023. For more information, Investors may refer the SEBI Circular https://www.sebi.gov.in/legal/master-circulars/aug-2023/online-resolution-of-disputes-in-the-indian-securities-market_75220.html <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDURk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUUlCVUJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVERXhKTkZ3UUJYaHNGWEVOS1cxa1hXQUJVVlZ3YUMxaENGbHhHR2xaWkVWRVVEd2NYUkJ0UVJ3RkxDbFlHQzBvSkNGMVJYZ05MUndkR0NsZ1VRUTFlV2trS0JVa0ZDa1JGRjBkUUZ4OWVWaGtSVzFFZFhBaGRXQU5YR1VSUVV4WkFDQmNQQUVRWlhGTVVEVjBTYXc5UVZGUUJGbGdTQzFrPSZleHQ9> Visit SMART ODR website https://smartodr.in/login <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDUBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUUlCVVJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVIQ1FRUkVBNEhSUnNMWFJvSVhWQlJXZz09JmV4dD0=> *6. SEBI Circular on Comprehensive guidelines for Investor Protection Fund and Investor Services Fund* SEBI has issued revised Comprehensive guidelines for Investor Protection Fund and Investor Services Fund at Stock Exchanges and Depositories vide its Circular No. SEBI/HO/MRD/MRD-PoD-3/P/CIR/2023/81 dated May 30, 2023. For more information, Investors may refer the SEBI Circular in the following link: https://www.sebi.gov.in/legal/circulars/may-2023/comprehensive-guidelines-for-investor-protection-fund-and-investor-services-fund-at-stock-exchanges-and-depositories_71925.html <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDUhk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=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> *7. Claiming Unclaimed Shares and Dividends* All dividends and shares which remain unpaid or unclaimed for seven consecutive years, are transferred by respective companies to Investor Education and Protection Fund Authority. Investors can submit claim to IEPF Authority to receive unpaid dividend and/or unclaimed shares by visiting https://www.iepf.gov.in <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDUxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUVVCVlJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVERXhKTkRRUVRVUnNGWEVOS1cxa1gmZXh0PQ==> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDXBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5cEBETF1tMGEIVRBsXV1VRGgJcQh5cCBZdB15VWxpTCkACFgoERUceVgMFFVQEClZJFkNRXgUPRQ5QFhkOU0lXXQoEDQcIAlsYD1JHD1dDFV0LVUZRRhJLRAFNQUVQQ05CBw4PFhprCQJWVwxIXEwICg==&ext=> *8. Facility to investors of voluntary freezing/de-freezing of Demat Accounts through Depository Participants (DP) or SPEED-e facility* If you wish to temporarily freeze/de-freeze your Demat Account for any reason, you can avail the facility of freezing your demat account by choosing Account level, ISIN level or Quantity level freeze anytime, anywhere by submitting a written request in the prescribed form to your Depository Participant (DP) or by subscribing to SPEED-e facility as e-Token User. You can freeze your account for 'Suspending for debit' or 'Suspending for debit and credit'. Freeze request executed by you through *SPEED-e* cannot be unfrozen by your DP. If your demat account is 'Suspending for debit and credit’, no transactions are permitted in the demat account till the account is de-frozen. A frozen account can be de-frozen or re-activated on submission of written instruction by the demat account holder, in prescribed form to the DP or through NSDL’s SPEED-e facility. *9. *Visit the *SEBI investor website* at https://investor.sebi.gov.in/ <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUDXRk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUUlIVlJrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVkQ2hNR0Z4VU1SUnNSVmxjTkhGQlhRa3RhV2g4PSZleHQ9> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQIHVRk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5dChMGFxUMRRsRVlcNHFBXQktaWh8=&ext=> *National Financial Literacy Quiz (NFLQ) 2024 organized by SEBI in collaboration with NISM* *Don’t miss the chance to participate in the SEBI & NISM National Financial Literacy Quiz 2024 and win amazing prizes worth ₹10 lakhs* * *Register yourself and your college at https://nflq.nism.ac.in <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUMVBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=Y2xpZW50aWQ9OTEyMDEmdWw9VXdOY0JsVUVVQWxJVlJrT0JSTVBXRnRRQkExU2NsQlZWUXhmR2xOYUMwVk4mbWw9VmdKUlNGRkpWUVVCVmhrPSZzbD1JRWttU0RSbUdHSjVNQmtORndVUFZGcE1SMGNGWEVSY1VRbGFRbFZIU0ZwZUQwVUYmcHA9MCZjPTAwMDAmZmw9Q2tFUlJCSVBTeDVhQWdrU1NnOEtSRmhNVWxaS1cxa1gmZXh0PWRISnJQVzl5WjJGdWFYcGhkR2x2Ymw5bmRXVnpkRjl0WVdsdUxXWmxaV1F0WTJGeVpDMTBaWGgw>* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQUMVRk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5aAgkSSg8KRFhMUlZKW1kX&ext=> *Hurry!! Nominate Your Loved Ones by June 30, 2024* *to avoid your Demat account becoming inactive* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJXAQGGA==&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5RFwAREggAUkZMXUYAXhlbWwgcXV5GElhVB1RVQxhbGlFMDQkIXlpQRg8JVkkXFwkJAVhW&ext=> *Click Here <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJUwkGGA==&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5cEBETF1tMGFARVkcSW1RdR0tdR1RZSFpeDxZdWUZEAlYEDgcRGl9IUUsIVwtdVgQSD15WH0VJWQ1SDFo=&ext=> to Nomination Online* *Update your email ID & income range in your demat account Today!!* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJXQEDGA==&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5RFwAREggAUkZMXUYAXhlbWwgcX0lWS1hFFktdVUBEBkFOQEkJWFNYXA==&ext=> *Be Vigilant! Invest through a SEBI registered Intermediary* *Unlocking the Benefits of Basic Services Demat Account (BSDA)* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAUBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1Nd1pISjFYRVk5USZ0PTJz> *Click Here <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAURk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5cEBETF1tMGEIVRBsdXUJMQQdWGlNaCxZGA01XXw==&ext=dj1Nd1pISjFYRVk5USZ0PTJz> to watch the Video* *Discover the importance of Mutual Funds in investing* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAUhk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1yQkRUcVphYkJMaw==> *Click Here <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAUxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5cEBETF1tMGEIVRBsdXUJMQQdWGlNaCxZGA01XXw==&ext=dj1yQkRUcVphYkJMaw==> to watch the Video* *NSDL Cool Guru Comic Series* *Know more about Nomination* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAXBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1Wc3JpaVRXWWpSVQ==> *Click to watch the Nomination Videos in Regional languages* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAXBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1Wc3JpaVRXWWpSVQ==> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBVBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1mRjRQd2FEQUV4aw==> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBVRk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5NCxAXEU8BUhpQa1kPU0ddWANiBA==&ext=> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBVhk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1jTExTaF9pYXhhdw==> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBVxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1vdDNlaS1vTnIySQ==> <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBUBk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj11ekc5N0NTR1VTMA==> *Unlock the benefits of KRA* <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBURk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXQwRHV1g=&ext=dj1qTmVlU3NCTTB5SQ==> *Click Here <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBUhk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5cEBETF1tMGEIVRBsdXUJMQQdWGlNaCxZGA01XXw==&ext=dj1qTmVlU3NCTTB5SQ==> to watch the Video* *Join our Investor Awareness Programs* NSDL conducts Investor Awareness Programs (IAPs) to help investors to be aware of different aspects of investing. These programs are conducted on different topics of interest to investors and in different languages. The schedule of the forthcoming programs/webinars is published online at https://nsdl.co.in/Investor-Awareness-Programmes.php <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQBUxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSU9FEFhXXA==&ext=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>. We invite you to participate in these programs. We shall be happy to conduct an awareness program for your employees, staff, students, or members. Please write to us at i...@nsdl.com <i...@nsdl.co.in> if you want any such program to be conducted. *Published by Mr. Prashant Vagal (Editor) on behalf of National Securities Depository Limited Investor Education Fund Trust.* [image: Facebook] <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQMHUhk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNAgAAUlcNXF5KUVhVGwtAUFwbBVYfC1c=&ext=> [image: Twitter] <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJUQkHGA==&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5AEwwXEAQRGVYNXhoqYXN0ayFWRF9GD01eEEA=&ext=> [image: Instagram] <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQEHUxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNDQ8QQ1QFQVQJHFRXWUpdR1RZOVBfBlBVGA==&ext=> [image: LinkedIn] <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQACVxk=&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5dCksPDQ8IUlELXRsHXVoXVwpeRFFbHxZfA01dWFtRDx8SBgUQRV1FWwMVFQJRSAoVD0VXQh9LWQtYDEAEUQ==&ext=> [image: YouTube] <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJUggHGA==&sl=IEkmSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRBIPSx5DExJNHQ4WQ0AAVhsHXVoXVw1SWl5QChZkIUpkQlJjJXYJVCkyXwN9RAtTazQDUyQ=&ext=> -- Click Here <http://nsdlco.transdeliver.com/vtrack?clientid=91201&ul=%0DVg1SDFQEGABIDwAaBRMKWVYNXlAkVVpZXQkdV19YGkU=&ml=VgxVSFFJVQQAVxk=&sl=IEkwSDRmGGJ5MBkNFwUPVFpMR0cFXERcUQlaQlVHSFpeD0UE&pp=0&fl=CkERRFsaS19HAAkAC08XRVQMQFEBXl5OURcdV19YSVdCBlVXWFxeEF8AERJK&ext=cD1zbXVuc3ViJm1pZD00OTAmdWlkPVtVTklRSURd> to unsubscribe from this newsletter. -- You received this message because you are subscribed to the Google Groups "Thatha_Patty" group. 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