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COMPARATIVE STUDY OF INVESTMENTS :
SELF-INVESTMENT CONCEPT
: The concept being followed in investing depositors’ money itself provides
utmost safety to the deposit money deposited by customer in Cherukuri Group.
Cherukuri Group has invested the depositors money along with its own
contribution towards share capital in it’s own sister concerns like Cherukuri
Swarnanjali, Cherukuri Real Estate and Constructions, and Cherukuri Advertising
and Educational Society which is running a Vidyalayam in Korukonda village of
East Godavari District. All these units have been proved successfully.
This will ensure total safety for
depositors’ money as well as good returns on depositors’ investment. Apart from
safety aspect and beautiful returns, this concept adopted by Cherukuri is
providing for another angle to the depositors investment in the form of high
liquidity or easy liquidity it need arises.
The investment pattern of Cherukuri Group can better be explained in the
following manner.
CHERUKURIG GROUP
BALANCE SHEET
|
Liabilities
|
Rs.
|
Assets
|
Rs.
|
| Cherukuri Capital |
40,000
|
Real Estate |
80,000
|
| Depositors investment |
60,000
|
CSJ Investments |
8,000
|
| |
|
Advertisements |
3,000
|
| |
|
Vidyalayam |
2,000
|
| |
|
Cash / Bank Balance |
7,000
|
| Total: |
1,00,000
|
Total: |
1,00,000
|
|
The above figures are taken only as
example.
Other Finance Companies, Schedule
Banks and Co-operative Banks Balance Sheet.
|
Liabilities
|
Rs.
|
Assets
|
Rs.
|
| Share Capital |
10,000
|
Security Loan |
65,000
|
| Depositors Investments |
90,000
|
Unsecured Loan |
15,000
|
| |
|
Fixed Assets |
10,000
|
| |
|
Cash / Bank Balance |
10,000
|
|
Total:
|
1,00,000
|
Total:
|
1,00,000
|
|
The salient features of the
difference in investments patterns are explained like here under :
|
S.No.
|
Cherukuri Group
|
Other Concerns
|
|
1
|
Assets and Liabilities are
maintained by the same person.
|
Assets and Liabilities are
controlled by more than one person.
|
|
2
|
Since Assets and Liabilities are
handled by same person, assets can be liquidated very easily.
|
Since Assets and Liabilities are in
the hands of different persons conversion of assets into cash is either
difficult or delayed.
|
|
3
|
Transactions are carried on between
Cherukuri Group at it’s sister concern Only, Hence the problem of recovery Does
not arise and depositors and get Their money’s worth either Cherukuri Group or
its sister concerns.
|
Here, the financial transactions are
carried on between depositors / investment concerns, and loanees. So recovery
of investments recoveries from the company depending on repayment by the
persons Who Follow the amount as loan.
|
|
4
|
Cherukuri Group Assets can be
converted to cash 100% at any time.
|
Only 10% of total assets can be
converted to cash as per the above table at any time.
|
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Investments Map :
Investments
of Cherukuri
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