| S.No. | Category | Company Name |
| 1 | Auto-Two Wheelers | Bajaj Auto, Hero Honda |
| 2 | Auto-Cars | Tata Motors, Maruti |
| 3 | Auto-Hcv/Lcv | Tata Motors, Ashok Leyland |
| 4 | IT Sector | Infosys, Tcs, Wipro, Satyam, HCL tech. |
| 5 | Pharma-Indian | Dr.Reddys Lab, Cipla, Wockhard, Ranbaxy |
| 6 | Pharma-MNC | Phizer, Glaxo |
| 7 | Metal-Aluminium | Hindalco, Nat, Alum. |
| 8 | Metal-Steel | Tata Steel, Sail |
| 9 | Metal-Copper | Sterlite Ind., Hindalco |
| 10 | Metal-Zinc | Hind.Zinc |
| 11 | Banks-Nationalised | SBI, PNB, BOB, BOI |
| 12 | Banks-Private | ICICI, HDFC, IDBI, UTI |
| 13 | Power | Tata Power, Rel.Energy, NTPC, CESC |
| 14 | OIL –Exploration | ONGC, Reliance Ind. |
| 15 | OIL-Marketting | IOC, HPCL, BPCL |
| 16 | PetroChemicals | Reliance Ind, IPCL |
| 17 | Cement | ACC, GRASIM, Guj.Ambuja, Ultra-tech |
| 18 | Engineering--Construction | L&T/EIL, Hindustan Constn, Jaiprakash Constn. |
| 19 | Engineering-Power | ABB, BHEL, Seimens, Crompton Greaves |
| 20 | Sugar | Balrampur Chinni, Bajaj Hind ,Triveni Engg |
| 21 | NBFC | Reliance Capital, Sundaram Fin., Shriram Fin |
| 22 | Textile | Arvind Mills, Raymonds, Alok Ind. |
| 23 | Paints | Asian Paints, Berger Paints |
| 24 | Auto-Tyres | Apollo Tyres, Ceat |
| 25 | Media | Zee Telefilm, Inox, PVR |
| 26 | Paper | Ballarpur, J.K.Paper |
| 27 | FMCG | Hind Lever, ITC, Dabur, Nirma, Marico |
| 28 | Hotels | Indian Hotel, EIH, Asian Hotel,Hotel Leela |
| 29 | Communications | Rel.Comm., Bharti Airtel, Tata Tele, MTNL |
| 30 | Shipp.corpn., GE Shipping, Varun Shipp. | Shipp.Corpn., GE Shipping, Varun Shipp. |
If monthly savings are invested in diversified portfolio of good companies as stated above, there is good chance of an appreciation in price as well as return from dividend is also very healthy . One can expect a CAGR of 15-25 % p.a. over long period of time. It will not be out of place to mention that dividend & long term capital gains are fully exempt from tax. The right age to start investments is immediately after joining service/business. However, late is better than never. You may start now with right spirit & goal.
