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*Edelweiss Financial Services Limited (EFSL) Secured Redeemable NCD Public Issue*  *Issue Opens on: Tuesday, January 03, 2023*  Issue Closes on: Monday, January 23, 2023 *Allotment First come First Serve Basis*   *Issue Size : Rs. 400 Crs* (Base Issue Size Rs. 200 Crs with green shoes option of Rs 200 Crs) *Type of Instrument* : *Secured* Rating : *CRISIL AA- and ACUITE AA-* *Coupon:* *Monthly Interest Payout Option:* 3 Years – 9.20% p.a. 5 Years – 9.67% p.a. 10 Years – 10.00% p.a.   *Annual Interest Payout Option:* 2 Years – 9.00% p.a. 3 Years – 9.60% p.a. 5 Years – 10.10% p.a. 10 Years – 10.45% p.a. *Cumulative Option:* 2 Years- 9.00% p.a.(Yield) 3 Years – 9.60% p.a. (Yield) 5 Years – 10.10% p.a. (Yield) *Additional interest of 0.20% p.a to existing shareholders & bondholders of Edelweiss group company* Call 98916 45052 for more details 

  Most people put off retirement planning as long as they can, but if you want to live your life after retirement the way you do it now, planning early will pay off. Start retirement planning as soon as you start earning because the power of compounding helps multiply your money faster as you earn returns on your returns.  For instance, if you are 20 and want to accumulate Rs 1 crore by the time you are 60, you have to invest just Rs 850 a month, assuming 12 per cent returns per annum. But in case you don't have much time on your hands, you will have to contribute more towards the goal. If you start at the age of 30, you will have to increase your investments to Rs 2,861 per month, given all other conditions remain the same. Starting at 40 means you only have 20 years and you will have to invest Rs 10,108 per month. So start today and continue investing in a disciplined manner.  But  talking about some vague numbers will not help you much and you need to determine th...