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Cover:The Changing Role of Real Estate
S.No.Section NameTopicAuthor
1EDITOR SPEAK Ranjeet S Mudholkar, CFP
2READER’S FORUMLetters to the Editor 
3INDUSTRY SPEAKReal Estate in IndiaKeki Mistry
Vice Chairman & CEO, HDFC Ltd.
4INDUSTRY STATSIndustry Statistics 
5FOCAL POINTThe Changing Role of Real EstateNarayan Krishnamurthy
6INVESTMENT PLANNINGThe Significance of Credit Ratings - An Empirical StudyJoydeep Sen, CFP
Senior Vice President-Advisory Desk-Fixed Income
BNP Paribas Wealth Management
7CHARTER MEMBER SPEAK“FPSB India has been working continuously for creating a Financial Planning community…”Message By : Sudip Bandyopadhyay
MD & CEO, Destimoney Securities Pvt. Ltd.
8FP REPORTER● Penal Interest on Delayed Credit
● Succeeding with Grievance Redress
● Group Policies’ Benefits Cut
● Policies in Demat Account
● New Accounts to follow KRA norms
● Non Refusal of Insurance
● RBI deregulates rates on NRI Accounts
● Travel Insurance Premiums May Rise
● IRDA scraps Third Party Motor
● Pool Pension Plan Guarantee
9EXPERT SPEAKInaugural Address delivered at the Financial Planning Congress, held on December 18, at Mumbai, byJustice (Retd.) Shri B. N. Srikrishna, Chairman
Financial Sector Legislative Reforms Commission (FSLRC)
10PORTFOLIO CONSTRUCTIONChallenges in Portfolio DesigningArun Goel, CFP
Consultant and Trainer
11FP CLASSROOMIndian Debt Markets: Structure and ConstituentsDr. Ajay Mittal, CFP
Senior Manager, SBI Funds Management Pvt. Ltd.
12MY STORYIndependent Financial PlannerSurya Bhatia, CFP
Founder Asset Managers
13MY STORYInstitutional Financial PlannerNimesh Mehta, CFP
Vice President & Deputy Head - Sales & Distribution
Motilal Oswal Asset Management Company Ltd.
14TAX QUERY CORNERQuestions and Answers on TaxationTax Expert from S. C. Vasudeva & Co.
18PRACTICE MANAGEMENTProspecting Tools for Financial Planners: A Technological PerspectiveNitin Manaktala, CFP
CEO, OMNIMax India
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