Ways to Avoid Impulse Buying
Impulse purchase is a bane of any investor. It not only disturbs the budget but also derails investment plans. Impulse purchase can inflict anyone but it has similar impact on everyone. Some people are more prone to impulse buying when they shop alone while others buckle under peer pressure and end up purchasing things they...
Investing In Tax Free Bonds – Take an Informed Decision
Investors apart from risk and return of investments are usually more interested in gaining tax benefits from an investment. In order to reduce the tax liability people mainly invest in either tax free bonds or capital bonds. Lets delve into discussion on whether one should really invest in tax free bonds or should keep their...
Pradhan Mantri MUDRA Yojana – Bringing the Informal Sector into the financial fold
India is a vast country with a diversified population. Diversity in terms of culture, geographical location, and occupation. Occupational diversity is one of the major factors that affects the socio-economic growth of the country. While the banking sector and other financial institutions have shown exponential growth over the years, the underprivileged communities of the society...
Ratio Analysis simplified
EBIDTA Margin (%) Measurement of a company’s operating profitability. It is equal to earnings before interest, tax, depreciation and amortization (EBITDA) divided by total revenue. The higher the EBITDA margin, the less operating expenses eat into a company’s bottom line, leading to a more profitable operation. PAT Margin (%) Calculated as: PAT/ Net sales. PAT margin is also...
Understanding RBI – Key Policy Parameters
Repo Rate Repo Rate is the rate at which the RBI lends shot-term money to the banks against securities. When the repo rate increases borrowing from RBI becomes more expensive. Therefore, we can say that in case, RBI wants to make it more expensive for the banks to borrow money, it increases the repo rate; similarly,...
Developing sense of money in your child is not a child’s play
Do you remember your childhood days when first time you held a coin in your hand, how you learn about money and when it becomes the part of your daily life – It is hard to remember… And now when you are a parent it is your duty to imbibe these learning in your child....
All you want to know about Kisan Vikas Patra (KVP)
If you looking for a safe investment with moderate returns, then Kisan Vikas Patra is back as an avenue for you. Government relaunched this after a gap of about 4 years with an aim to encourage the saving habits among small investors. Initially the certificates will be sold through post offices, but eventually it will...
All you want to know about National Saving Certificate
With regards to the matter of reserve funds, there are considerable measures of alternatives that have been made accessible to investors in India. These choices offer a scope of elements that can incorporate things like attractive interest rate, safety for the money invested, income tax benefits and also the chance to increase the amount invested...
All you want to know about Sukanya Samriddhi Scheme
With an aim of providing higher eduction to the girl child, Prime Minister Narendra Modi launched another small saving scheme namely “Sukanya Samriddhi Yojna” this January. It is after a straight success of EPF UAN and Prdhan mantri Jan dhan yojna. This scheme is launched under ‘Beti Bachao Beti Padhao’ campaign meant mainly for higher...
All you want to know about Public Provident Fund (PPF)
Public Provident Fund popularly known ass PPF account is among the most popular instrument for savings used by Indian Investors. The Scheme offers good returns with safety along with EEE Tax benefit. How PPF was introduced At the time and age when savings or wealth management didn’t really mean mutual funds and tax free bonds,...
