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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...

Corporate fixed deposits and bonds are mandatorily required to get rated by a credit rating agency before going for a public issue. Credit rating signifies how risky or safe it is for you to invest in that financial instrument. CRISIL, CARE and ICRA are examples of some well known credit rating agencies. Following are some symbols that CRISIL gives to corporate bonds:-

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...

Is NPS really good for investment!!!! What is NPS? It is National Pension Saving scheme introduced by govt …. The rules are so complex beyond the understanding of common man. After communicating many people I got to know they only invest in this because Govt is sponsoring this …. If at all NPS invests in Stocks since Govt sponsoring this , so it might be safe and guaranteed to invest  in this J --- Many people thinks, who stay away from mutual funds because it is stock market dependent :D Let me tell you NPS will not provide annuity . The aim of NPS is to provide you corpus. you need to buy one from the insurer’s . The lists are as here NPS is not giving you any guaranteed returns like EPF or PPF. NPS is like a mutual fund and carries all the risk like a mutual fund carries. 80% will be annuitized if you retire before   60 (after Budget 2016, 40% is tax free withdrawal, 80% of remaining corpus has to be annuitized official confirmation awaited).  This ...

The movie one idiot that i watched around 3-4 years back and again watched today on you tube .. This movie inspired me a lot about understanding the value and definition of money in real terms.. This movie will be again telecasted on  CNN-IBN coming Saturday, 27 th  February at 5pm. If you miss to watch then also you can watch again on Sunday, 6 th  March at 4pm in the same CNN-IBN. We are today living in a consumerism world where everybody will tell you to how to spend your money. How to split money than SIP (Systematic Investment Plan) Below line Muthu told in his blog for this movie i am just extracting .. i loved these lines personally  " We pointlessly give too much attention to consumerism. We spend needlessly to look more affluent than we are. If we are caught saving we are somehow not part of the ‘in’ crowd. My film is a morality tale based on the 5,000-year old principle of ‘jitni chaadar utni pair phelana’ (stretch your legs...

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...