RBI FINANCIAL STABILITY REPORT – BANKS GROSS NPA WILL CROSS 12.5% BY FY21

RBI released Financial Stability Report last Friday (24th July 2020), which stated that Indian banks GNPA (Gross Non Performing Assets) will reach 12.5% by end of March 2021 in the base movement scenario. Currently, GNPA is at 8.5%. RBI also stated, in severe worse cases it may touch 14.7%. Finally, in their report RBI stated …

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RETIREMENT PLANNING – PERSONAL FINANCE – USING CALCULATOR

The most important lesson in personal finance planning is retirement planning, It’s not always how much we earn, rather how much we save is more important. Throughout our series on financial planning, we have stressed a lot on savings to come prior to expenses. As we discussed in our topic on Home Loan, we have …

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HOME LOAN – HOW IT IMPACTS OUR FINANCIAL MANAGEMENT

HOME LOAN – HOW IT IMPACTS OUR FINANCIAL MANAGEMENT   One of the most essential and basic needs in every human’s life is shelter. Housing loan has become a big market in India, as the Government of India, has given exemption in tax. Here we will be discussing how a home loan can impact your …

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CREDIT CARD – A PREY TO FINANCIAL MANAGEMENT

CREDIT CARD – A PREY TO FINANCIAL MANAGEMENT   CREDIT CARD (CC): Over the last two decades this has been predominantly used by all salaried people. Some banks might provide us with accessibility to CC at the time of salary account opening. On average, every person is holding 2 cards minimum. As it has become …

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ASSET ALLOCATION – FUND STRATEGIES

In our previous topics, we have covered all the basic concepts of financial planning, investing in equity, the debt market, and debt funds. It’s time to learn advanced techniques and strategies to leverage our investment life. The ultimate aim of investments is to be rewarded by managing the risk involved in it. If you don’t …

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DEBT FUNDS

           In India, exposure to the Bond or Debt market is minimal when compared to other countries. Most people around the world, plan and create their portfolio as 50% Equity and 50% Debt market. The reason behind this is, buying a single face value of the bond in some lakhs, which is not …

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NIFTY 50 INDEX – HGHLY VALUED – 3 YEARS RETURN

NIFTY 50 INDEX: 15thJuly 2020. The market ended with a positive value of 10618 (+0.1%), yesterday there was a decline of 1.8%. Today the market opened with a positive moment around 1.2%, by this, the market disappointed the investors by falling to 0.1%. In this topic, we are going to cover on the following topics …

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SOVEREIGN GOLD BOND SCHEME FOR INVESTORS

SOVEREIGN GOLD BOND SCHEME FOR INVESTORS     Many people question that, what are the ways to invest in gold without any wastage of expenses. The government of India and Reserve bank of India (RBI) in collaboration had already released SOVEREIGN GOLD BOND in six series from April. Already 4 series issue’s date has been …

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