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Monetary Policy is generally declared by RBI and related to interest rate … I hope you all have heard this quite a often in news channels and from the speech of Rajan …. By the way what is this ? CPI,CRR,Repo,Rate cut …. OMG!!!! These are not easy and hence market is not my cup of tea J But in fact these are very simple at least common man understanding point of view … At least we can get an idea how this will impact our monthly family budget and stock market ….. So without wasting time let me start one by one...... Repo Rate: When banks want to borrow money from RBI , the rate at which RBI lends money to banks is called Repo Rate. Ex: If Repo rate is high then the then cost of borrowing is high .Then what will happen? Banks will lend money to us in a higher interest rate .Hence house loan , educational loan and other loans will be costlier for us .. Isn’t it !If banks will get loan from RBi at 8% interest rate , then they will give us loan more than that rate , it m...

It is filing for a fresh scheme of amalgamation of Tata Metaliks Ductile Iron (DI) Pipes (TMDIPL), its wholly-owned subsidiary with it. Tata Metaliks is one of the largest manufacturers of foundry-grade pig iron in the world.  Though its consolidated revenues for the March quarter declined by 7%, its profits rose by 71%, to Rs48.62 crore from Rs28.43 crore. It had a return on capital employed (RoCE) of 37%.  Tata Steel calls off Tata Metaliks merger - (Tata Steel non merger is a major relief for  Tata Mettaliks .Tata Steel is a value destroyer for minority stock holder for more than a decade now)         However, it is concentrating on high-value ductile iron pipes which are mostly used for water transmission. Some analysts expect that the DI pipes segment will benefit from government thrust on irrigation and healthy water access.  Disclaimer : I am holding this stock in my portfolio . Hence i may be biased and i may be wrong...

I read this article 3 months back in money life in a lighter note and thought the situation might not be so bad. After seeing the current quarter results of banks, now I think I must have written this blog long back. If few investor read this blog 3-4 months back , they would not have lost their hard earned money by investing in banks at peak!!!  It really happened to each and every bank is now and they are giving true picture of NPA after RBI come with a stick. The banking sector growth (PAT) had been declined by 14.1% as per RBI Financial Stability Report (Issue No 11, June 2015) Extracted From PWC Banking Analysis. CDR is there for 15 years and it has been provided for banks to distress their loan account taking into account genuine cases. Suppose I took loan 10 crore from bank and now I don’t have money then bank may give 15 years to repay. What will happen if I will not have a genuine will to repay after agreeing with bank and suppose my income will vanish a...

As we know the current Govt has been trying hard to push for reforms  but we are least aware what are they . Just thought of highlighting those.Hopefully all of the reforms will be completed very soon amicably ..... S.No Reform Name Status How Difficult For Govt to pass More Info 1 Direct Benefit Transfer In Progress High The government is pushing for this reform, but progress depends on state capacity and commitment. 2 Allow More than 50% FDI in Insurance In Progress High Parliament on 3/12/2015 approved amendments to India’s Insurance Act that increase the FDI cap from 26% to 49%. 3 GST Incomplete High The Lok Sabha passed the GST Bill (122nd Constitutional Amendment) on 5/6/15, but the legislation is stalled in the Rajya Sabha. 4 Deregulate Kerosene Price Incomplete ...