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SIP

How a monthly SIP of Rs 5,000 fared over the last 15 years?

SIP Investment Rs 5000 Per Month It is often said that one should invest in equities and equity-oriented investments such as equity mutual funds with a long term horizon. While there is no guarantee for a positive return in the equity asset class, an analysis by CRISIL shows that the risk of getting negative returns Read more about How a monthly SIP of Rs 5,000 fared over the last 15 years?[…]

LIC’s annual bonuses

How LIC’s bonuses work

LIC’s annual bonuses come out of the valuation surpluses in policyholders’ funds. They are not guaranteed They are simple additions to your account and don’t compound. They are not comparable to other kinds of returns because they are calculated on your Sum Assured and not Premiums paid. Strongly refuting social media rumors that it was Read more about How LIC’s bonuses work[…]

5 Most Common Personal Finance Mistakes

5 Most Common Personal Financial Mistakes

For better or worse, money is a big part of most people’s lives and it’s easy to get caught up in financial mistakes that will hurt you in the long run if you’re not careful. Certain financial mistakes can wreak havoc on your financial future, leaving both you and your loved ones under the shadow Read more about 5 Most Common Personal Financial Mistakes[…]

Fixed Rates vs Floating Rates

Will Linking Floating rate Loans to External Benchmark really cut interest rates to your Home Loan or Car Loan?

RBI today announced that from 1st Oct 2019, all floating rate loans to individuals should be linked to an external benchmark. We will try to decode what this actually means: What is floating and fixed rate loans? In Floating rate loans are where the interest you pay to the bank changes over the tenor of Read more about Will Linking Floating rate Loans to External Benchmark really cut interest rates to your Home Loan or Car Loan?[…]

Motor Vehicle Act 2019

Motor Vehicle Act 2019 – How Will It Change The Way You Travel?

Earlier this month, the Motor Vehicles (Amendment) Bill 2019 was passed to update the existing rules and fines to make Indian roads safer. The bill, which will replace the 30-year old law, aims to overhaul the country’s transportation laws by addressing crucial issues such as Road safety Reducing deaths due to road accidents Imposing stiffer Read more about Motor Vehicle Act 2019 – How Will It Change The Way You Travel?[…]

Tata Capital NCD

Tata Capital Financial Services Limited NCD

Tata Capital Financial Services Ltd is coming with the 2nd tranche of public issue of secured, redeemable non-convertible debentures of face value of Rs 1,000 each, up to Rs 2997.9 crore and Unsecured, Subordinated, Redeemable, Non-Convertible Debentures of face value of Rs 1,000 each (“Unsecured NCDs”) up to Rs 1128.1 crore aggregating upto Rs 4126 Read more about Tata Capital Financial Services Limited NCD[…]

IMPACT OF NEW SEBI NORMS ON DEBT FUNDS

Impact of new SEBI norms on debt funds

By doing away with amortization, liquid fund returns will be more volatile and other measures will bring down overall returns. In its board meeting today, Securities and Exchange Board of India (SEBI) accepted the new valuation norms for debt mutual funds proposed by Mutual Fund Advisory Committee. Here are some of the major changes on Read more about Impact of new SEBI norms on debt funds[…]

Budget 2019

Budget Highlights 2019

This year budget focus remains on the ease of doing business,incentives for Startup, Housing for all, agriculture, improvement and development of infrastructure. Despite a moderation in real GDP growth by 40 basis points in 2018-19 over 2017-18, Indian economy remained the fastest growing major economy along with macroeconomic stability. Consumer price inflation was within the Read more about Budget Highlights 2019[…]

Yoga For Your Financial Health

Practicing yoga daily keeps our health on track, while a systematic investment plan helps us keep our financial health on track. It allows us to see the bigger picture and set realistic and achievable goals. With a proper financial plan, taking big financial decisions become easier and compatible. Yoga and investments have a lot of Read more about Yoga For Your Financial Health[…]

Indian Elections & Way ahead

  Elections Round UpThe BJP led NDA government returned to power with a clear majority, a feat last achieved by Indira Gandhi in the late 1970s. The ruling coalition will now control 65% of the lower house. This coupled with a near majority in the upper house sets the stage for further reforms and policy Read more about Indian Elections & Way ahead[…]