Big dent in small savings as govt slashes ppf, nsc rates
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The government announced steep cuts to interest rates on popular small savings schemes such as Public Provident Fund (PPF) and National Savings Certificate (NSC). Rates on these schemes will be 90 basis points lower in the April-June quarter. This represents one of the sharpest cuts to the PPF rate in 15 years and will reduce the returns of savers. Lower small savings rates are expected to prompt banks to cut their deposit rates as well, reducing interest earnings for savers and potentially loan and interest rates in the future. While intended to align rates with market yields, the cuts have angered small savers.
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Atal pension yojana is boon for the class of people who belongs to lower income group. It will give a brighter future to them.
Indian Union budget 2012 - 13
The 2012-13 Union Budget aims to cut the fiscal deficit from 5.9% to 5.1% while raising GDP growth to 7.6% through fiscal consolidation and raising additional taxes. Key measures include raising excise and service tax rates, increasing infrastructure investment, allowing foreign dividend repatriation, and introducing new tax-saving investment schemes. However, fiscal targets may be difficult to achieve if revenue falls short, crude oil prices rise substantially, or growth does not recover as projected. Overall the budget focuses on boosting key sectors like infrastructure, health, education, and rural development to support economic growth.
Banking Sector Budget 2012-13
The document summarizes key points from the Indian budget that impact the banking sector. It notes that the budget proposes to provide Rs. 15,888 crore for capitalization of public sector banks, regional rural banks, and other financial institutions. However, it also points out that the high fiscal deficit of 5.1% of GDP could limit the RBI's ability to cut interest rates, which may adversely impact credit growth. Overall, the recapitalization of public sector banks is seen as positive for the sector, while the large fiscal deficit is viewed as a potential negative.
Economy Matters October 2017
The current issue of Economy Matters focuses on “Financial Sector in India”. In Domestic Trends, we present an Economy Overview along with an analysis of the latest data on IIP, Inflation, Fiscal situation, Monsoon and Trade performance. In Policy Focus, we present the highlights of the key policies announced by the Government/RBI during October 2017. Analysis of Canada’s GDP, IMF’s latest global forecast and US Non-Farm Payroll data is covered in Global Trends.
Union budjet 2017
The Union Budget for 2017 was presented earlier than usual, on February 1st, to allow ministries to operationalize activities from April 1st. Key changes included merging the Railway Budget with the General Budget, abolishing the distinction between plan and non-plan expenditure, and focusing on growth in rural areas and digitizing the economy. Tax relief was provided for individual taxpayers and small companies, while rules on political donations and cash transactions were tightened. The budget aimed to curb black money and support the government's vision for the Indian economy.
Budget 2016
The document discusses the meaning, importance, and aims of budgets for governments, businesses, and families. It then summarizes the key points of the Indian Union Budget for 2016, including no changes to income tax slabs, increased allocations for infrastructure, agriculture, and rural employment. Certain items like electronics will be cheaper while others like jewelry, diesel vehicles, and food will be more expensive as various taxes were increased or decreased. The conclusion states that the 2016 budget aims to boost investment in key sectors while maintaining fiscal discipline targets.
Weekly Media Update_03_07_2023.pdf
This weekly media update provides summaries of news articles related to the Indian economy from June 27th to July 3rd. Key points include:
- India is projected to remain the fastest growing major economy with an average growth rate of 6.7% over the next three years according to S&P Global Ratings.
- The RBI governor said the Indian economy has achieved a "solid recovery" and is among the fastest growing large economies.
- India's current account deficit decreased significantly in the January-March quarter to 0.2% of GDP due to a smaller trade deficit and increased services exports.
Increasing NPA In PSU Banks And Its Management
The document discusses non-performing assets (NPAs) in the Indian banking system. It defines NPAs and different categories of assets based on payment delays. It notes that rising NPAs have increased banks' provisioning costs and reduced their profitability. High NPAs also constrain banks' ability to lend, potentially slowing economic growth. The document outlines some of the negative impacts of NPAs on banks and the financial system as a whole. It concludes by discussing some steps that can be taken to prevent and manage NPAs.
Impact of Repo Rate on Bank Lending-2014
This document is a dissertation report submitted by Sudheer Parashar to partially fulfill the requirements for a Master of Business Administration degree from Amity University. The report examines the impact of changes in the repo rate by the Reserve Bank of India on bank lending. It discusses how the repo rate affects borrowing costs for banks and how banks may pass these higher costs onto customers through increased lending rates and loan EMIs. The report also analyzes different segments of bank lending as well as factors that influence lending rates. It aims to determine the level of impact of repo rate changes on deposits and loans and provide investment strategy recommendations for the general public.
3 dec 2019
#weeklyNewspaper
GDP growth falls to 4.5% in Q2 and November GST collection up by 6%. YES Bank to raise $2 Billion through preferential allotment of shares. For more updates click the link:
http://bit.ly/FDNewspaper
#sharemarket #mutualfunds #trading #stocks #yesbank #FinDoc
The World This Week - 15th Feb to 19th Feb, 2016
The document provides a weekly summary of economic and financial news from February 15-19, 2016. Key points include:
- The railway and union budgets in India are expected to focus on rural growth and curbing fiscal deficit.
- Global and domestic stock markets were flat or saw small declines over the week.
- The OECD raised India's growth forecast to 7.4% for 2016-2017, citing strong capital expenditures.
- Several major economies including the US and eurozone saw growth forecasts downgraded.
- China reiterated commitments to economic stability amid restructuring.
Economic Survey 2016-17
The Union Finance Minister Shri Arun Jaitley tabled the Economic Survey 2016-17 today, the first day of the Budget Session of the Parliament. The Economic Survey says that the adverse impact of demonetisation on GDP growth will be transitional and the economy will recover with remonetisation. The Survey states that once the cash supply is replenished, which is likely to be achieved by end of March 2017, the economy would revert to normal. The GDP growth in 2017-18, as per the survey, is projected to be in the range of 6¾-7½ percent.
The Survey suggests a few measures to maximise long-term benefits and minimise short-term costs. One, fast remonetisation and early elimination of withdrawal limits. This would reduce GDP growth deceleration and cash hoarding. Two, continued impetus to digitalisation while ensuring that this transition is gradual and inclusive, and appropriately balances the costs and benefits of cash versus digitalisation. Three, following up demonetisation by bringing land and real estate into the GST. Four, reducing tax rates and stamp duties.
This is an analysis and brief overview document on the Survey
Mps current
The document provides Bangladesh Bank's monetary policy stance for the first half of fiscal year 2017 from July to December 2016. Some key points:
- Broad money growth is projected at 15.5% to support the GDP growth target of 7.2% while keeping inflation near the 5.8% target.
- Private sector credit growth is targeted at 16.5% to support the economy, while credit to the public sector is projected to grow 15.9%.
- Inflation has been declining and was 5.92% in June 2016, but non-food inflation is rising due to wage increases, requiring vigilance.
- Policy interest rates will remain unchanged at 6.75% for repo
Weekly media update 16.06.2014
The government is considering ways to raise more revenue from public sector undertakings (PSUs), including potentially raising the dividend payout target and linking it to PSUs' capital expenditure plans. An exchange traded fund (ETF) consisting of shares in various PSUs has generated high returns for retail investors since its launch. There is also discussion around appointing private sector professionals to lead major PSUs like Coal India in order to improve performance and productivity.
Weekly Media Update_21_11_2022.pdf
The document provides a summary of recent news articles mentioning Balmer Lawrie and related topics. It includes reports that:
1) The IMF says the global economic outlook is gloomier than previously projected due to high inflation, China's slowing growth, and disruptions from the Ukraine war.
2) An analysis by Deloitte India estimates India will see 6.5-7.1% economic growth in the current fiscal year despite rising inflation and global slowdown risks.
3) The RBI estimates India's economy grew between 6.1-6.3% in the second quarter, putting annual growth on track to be around 7% for fiscal year 2023.
Weekly media update 19 07_2021
- S&P retained India's sovereign rating at the lowest investment grade of 'BBB-' with a stable outlook, citing strong external settings that will act as a buffer against financial strains. However, it noted India's weak fiscal settings and consistently elevated deficits.
- The CEA expects India's economy to start growing at 6.5-7% annually from fiscal 2023 onwards, helped by COVID-19 vaccination progress and various reforms. However, the second wave impacted the recovery momentum seen in late 2020 and early 2021.
- India's exports rose 48.34% in June compared to last year, while imports increased 98.31%, leaving a trade deficit of Rs. 69,800 crore for the month.
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Why indian businessmen do not speak their mind
Indian businessmen are generally cautious about publicly expressing their political opinions due to fears of reprisal from the government. Even with social media, most business leaders avoid making controversial statements. Some exceptions include Rahul Bajaj, chairman of Bajaj Auto, who is outspoken on social issues, and Harsh Goenka, chairman of RPG Group, who tweeted criticism of the ruling party in West Bengal but later walked it back. While social media allows for more open expression of views, Indian business leaders still fear potential investigations or tax raids if they are seen as working against the government. The culture of guardedness remains entrenched at large Indian conglomerates like the Tatas, Birlas, and Ambanis.
Deluge of freshers vies for trickle of it jobs
- The number of engineering graduates in India has increased dramatically to 1.5 million per year, far exceeding the 200,000-250,000 IT jobs available. This demand-supply imbalance has led to acceptance rates for job offers from major IT companies like TCS, Infosys and Wipro to increase to 80-85% from 65-70% three years ago.
- Automation is predicted to eliminate 6.4 lakh low-skilled IT jobs in India over the next five years, worsening prospects for new graduates. While the IT industry currently employs over 3 million, only 1 million new engineering jobs are expected to be created in the coming five years.
- With fewer job opportunities and the skills
India must focus on growth, not worry about inflation, stiglitz
Nobel laureate Joseph Stiglitz believes that Indian policymakers should focus on growing the economy rather than inflation. He insists that excessive focus on inflation will hurt growth and increase unemployment and inequality. Stiglitz also praised India's MGNREGS program as the world's most innovative employment guarantee scheme and important for reducing inequality. Additionally, he criticized India's handling of issues like JNU and restrictions on NGOs, saying it damages India's international reputation and could deter foreign investment by placing India with authoritarian regimes.
Govt eases funding rules for startups
The Indian government has eased funding rules for startups to help strengthen the startup ecosystem. A recent notification makes it easier for startups to receive funds of Rs. 25 lakh or more via convertible notes by exempting such funds from being considered a deposit. This will relieve startups from stringent rules around informing regulators or maintaining deposit reserves. The relaxation is only available to startups that meet government criteria. Separately, eligible startups will be exempt from paying angel tax on differential funding received from non-registered investors. So far, 571 startups have applied for benefits under the Startup India initiative, though only 12 currently qualify for the tax exemption.
Trip meter
According to a survey, people from Punjab and Haryana had the highest share of overnight visitor trips outside their own states. At the national level, the main destination for most overnight visitor trips was within one's own state. The document provides contact information for Parveen Kumar Chadha, the founder and CEO of Saxbee Consultants & Other-Mother marketing and communication consultants, including their email, mobile number, and address in New Delhi, India.
24×7 restaurant plan faces many hurdles
While the Indian cabinet has approved a bill allowing restaurants to operate 24/7, full implementation faces many challenges due to contradictory state-level laws. Currently most states have regulations preventing restaurants from staying open between 1-5am or serving liquor between 1am-11am. Fully utilizing the new bill would require changes to existing licenses from local police, excise, health, and municipal authorities regarding operating hours. Restaurant operators acknowledge the economic benefits of 24/7 operations but note varying rules across states could limit the bill's impacts unless various laws are made uniform.
Tourist traffic
According to the latest figures, domestic tourist visits in India grew 11.63% last year while foreign tourist visits rose 4.4%. Tamil Nadu remained the top destination for both domestic and foreign tourists, as it has in previous years. For more details or appointments, contact Parveen Kumar Chadha, founder and CEO of Saxbee Consultants.
E uwrecker moment, re slides 72 paise, sensex 605 pts
The Brexit vote caused global stock markets, currencies, and bonds to plunge as fears grew that other EU nations may also pursue exits. The British pound fell over 10% to its lowest level since 1985 against the dollar. Gold prices rose over 8% as investors sought safe havens. Stock markets in Asia and Europe declined sharply, with indexes in Germany and France falling 7-8%. In India, the Sensex slumped over 600 points but recovered some losses after the central bank governor promised measures to ensure stability. The rupee also dropped by over 1% against the dollar.
Brexit pounds global markets
Global markets continued to be volatile in the aftermath of Brexit, with the pound crashing to a 31-year low against the dollar and the yuan dropping to its lowest since 2010. Stocks in Europe and the US fell sharply, while Asian markets were more resilient. In India, the Sensex and Nifty ended little changed as traders remained confused about Brexit implications, though midcap and smallcap stocks rose. Experts warned that continued turbulence in Europe and currencies could spread to India. The rupee also rebounded from lows as the RBI intervened in currency markets.
Human resource champions
This document discusses the changing role of human resources and a model for HR to take on multiple roles to add more value and deliver results to organizations. It proposes that HR professionals transition from operational to more strategic roles by shifting from qualitative to quantitative, policing to partnering, short-term to long-term, and more. A multiple role model is presented for HR management with a focus on strategic priorities, day-to-day operations, people processes, and managing various areas like strategic resources, infrastructure, employee contribution and transformation. Key challenges for the future of HR are also outlined.
Pricing strategies
This document discusses pricing strategies and considerations. It covers setting pricing objectives like profit, market share, or quality leadership. It also discusses determining costs, demand, and competitors' prices. Pricing methods are described like market skimming to target high-paying customers or market penetration to attract more buyers. Types of pricing adjustments are explained such as discounts, promotions, or geographical pricing. Reasons for price increases or decreases are provided as well as how to respond to competitors' price changes. The document provides definitions and examples to help understand different pricing concepts and strategies.
`Forever young' son cuts successor nikesh loose
Nikesh Arora will step down from his role as president and expected successor to Masayoshi Son at SoftBank. Son wants to remain at the helm of the company for a few more years, while Arora wanted to become CEO more quickly. Although Son had previously named Arora as his likely successor, he now wants to maintain control of SoftBank. Arora's departure leaves questions about leadership and direction at the company.
No. 1 licence plate sells for $4.9 million
The No. 1 license plate in the UAE was sold at auction for $4.9 million to businessman Arif Ahmed Al Zarouni. Low number license plates are highly coveted collector's items in the UAE and often sell for large sums. At the same auction, plates numbered 50 and below sold for around $500,000, while plates 100 and 333 sold for approximately $400,000 each. Al Zarouni attended the auction solely to purchase the No. 1 plate, as his ambition is always to be number one, and he has no plans to resell it but rather keep it for his personal use.
India's etailers battle it out in game of thrones
India's major e-tailers like Amazon, Flipkart, and Snapdeal are disunited in their efforts to lobby the Indian government against new regulations that favor brick-and-mortar retailers. While the offline retailers actively lobby as a united group, the online retailers refuse to sign joint petitions or mount united legal challenges. This disunity stems from the competitive tensions between the companies and prevents them from effectively countering the threats posed by the united offline retailers' group. Unless the major e-tailers find a way to put aside their differences and form a united front, they will continue to struggle against the regulations in an increasingly difficult environment.
Govt job seekers can now access scores online
The government has approved a proposal to make candidate scores and rankings from government recruitment exams publicly available online through a dedicated portal. The portal will be created by the National Informatics Centre and will display exam results unless the candidate has opted out of disclosure. Candidates can access detailed results for exams in the past year by clicking on the exam name on recruiting agency websites linked on the portal. Details shown will include name, birthdate, category, gender, education, address and email unless the candidate opted out during the application process.
New startups meeting govt norms to escape angel tax
The new notification from the Central Board of Direct Taxes will exempt startups that meet government definitions from angel tax when raising investments above fair market value. A startup is defined as an Indian entity less than 5 years old with annual revenue under 25 crore involved in developing new technology or intellectual property. However, the exemption only applies to new startups and not existing companies. It provides relief to startups obtaining investments from angel investors or venture capital funds but the tax may still apply after 5 years.
Diversification strategy
The document discusses diversification strategy and its relationship to firm performance. It defines different types of diversification, like related and unrelated diversification. While diversification can help firms grow and spread risk, creating synergies between different business is difficult to achieve in practice. Empirical evidence on the relationship between diversification and performance is mixed, with some studies finding diversified firms perform worse. The document examines different motives for diversification and argues that growth alone does not create shareholder value unless synergies exist. It also outlines Porter's tests that diversification must meet to benefit shareholders.
Corporate governance in india & sebi regulations
- This document discusses corporate governance in India and regulations established by the Securities and Exchange Board of India (SEBI). It provides background on corporate scandals that led to increased regulation. SEBI established Clause 49, which strengthened the role of independent directors and introduced new disclosure requirements for public companies. The key changes required companies to have a minimum number of independent directors, limited terms for non-executive directors, established codes of conduct, and enhanced financial disclosures and internal controls. Effective corporate governance is important for India's corporations as they increasingly compete globally and attract foreign investment.
Microsoft enters the marijuana business
Microsoft is breaking corporate taboos by partnering with a start-up called Kind to offer software that helps state governments track marijuana sales. The software will help states that have legalized medical or recreational marijuana to keep tabs on sales and commerce. Microsoft's entry into helping governments with regulatory compliance suggests it sees the marijuana industry as continuing to grow significantly as more states legalize and regulate the drug. The Kind software will be one of eight preferred options offered by Microsoft to government users of its Azure cloud computing platform, and the only one related to marijuana.
Weak trade
World trade declined 1% in the first quarter of 2016 compared to the same period in 2015, according to statistics from the WTO and Unctad. Global merchandise exports have been tracked quarterly since 2005. For more details on trade trends and consulting services, contact Parveen Kumar Chadha, founder and CEO of Saxbee Consultants.
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• Users are skipping search completely. They can now use AI to get answers. So AI has changed everything …or maybe not. Our audience hasn’t changed. Their information needs haven’t changed. Their perception of quality hasn’t changed. In reality, the most important things haven’t changed at all. In this session, you’ll learn the impact of AI. And you’ll learn ways that AI can make us better at the classic challenges: getting discovered, connecting through content and staying top of mind with the people who matter most. We’ll use timely tools to rebuild timeless foundations. We’ll do better basics, but with the most advanced techniques. Andy will share a set of frameworks, prompts and techniques for better digital basics, using the latest tools of today. And in the end, Andy will consider - in a brief glimpse - what might be the biggest change of all, and how to expand your footprint in the new digital landscape.
Key Takeaways:
How to use AI to optimize your content
How to find topics that algorithms love
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First Things First: Building and Effective Marketing Strategy
Too many companies (and marketers) jump straight into activation planning without formalizing a marketing strategy. It may seem tedious, but analyzing the mindset of your targeted audiences and identifying the messaging points most likely to resonate with them is time well spent. That process is also a great opportunity for marketers to collaborate with sales leaders and account managers on a galvanized go-to-market approach. I’ll walk you through the methods and tools we use with our clients to ensure campaign success.
Key Takeaways:
-Recognize the critical role of strategy in marketing
-Learn our approach for building an actionable, effective marketing strategy
-Receive templates and guides for developing a marketing strategyRecently uploaded (20)
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Big dent in small savings as govt slashes ppf, nsc rates
- 1. Big dent in small savings as govt slashes PPF, NSC rates Annual Reset Paves Way For FD Rate Cut
- 2. Contd… The government on Friday announced a steep cut in interest rates on small savings schemes such as Public Provident Fund (PPF), National Savings Certificate (NSC) and Kisan Vikas Patras -which will fetch up to 90 basis points lower returns during the April-June quarter. On January 14, TOI first reported that the government could reduce interest rates on small saving schemes but the extent of the reduction has taken everyone by surprise. In case of PPF, the most popular scheme for middle-class savers, the reduction of 60 basis points (100 basis points equal a percentage point) is among the sharpest in nearly 15 years. Although the rates are to be reviewed every three months, if they remain unchanged during the next financial year, someone with Rs 5 lakh in his PPF account would face a hit of Rs 3,000 in 2016-17. But the announcement has not gone down well with the middle class. Angry protests have begun on social media with PPF trending on Twitter.The government, however, claimed the changes were linked to the market rate, offering a parallel to global oil prices.
- 3. Contd… A reduction in rates on small savings is also bad news for those with large balance in fixed deposits, especially senior citizens, as banks are now expected to follow government action with similar cuts. For long, banks and RBI had urged the government to reduce small savings rates to ensure that banks cut deposit rates. This, in turn, will pave the way for lower lending rates and translate into lower EMIs in the coming months, should the banks decide to pass on the benefit. However, given that a two-three year fixed deposit (FD) with SBI fetches the highest rate of 7.5% a year, savings in PPF still remain more attractive, especially with tax benefits thrown in. Though pressure had been building for several months, the government opted for a change from April, which is the annual date for reset. “It's normal practice for the last few years to change interest rates from April and we have followed that. The rates are linked to the yield on government securities and we have followed the same practice with a mark up for senior citizens, Sukanya Samridhi Scheme, PPF and NSC,“ economic affairs secretary Shaktikanta Das told reporters.
- 4. Contd… The government provides an annual spread of a percentage point on Senior Citizen Savings Scheme, 75 basis points (bps) on Sukanya Samridhi Scheme and 25 bps on PPF , NSC, five-year post office deposit and Monthly Income Scheme. But post office savings deposits of one-three years, KVP and fiveyear Recurring Deposits will not longer get the benefit of a higher spread. Das said the average yield on government bonds had come down from 8.5% in 2014-15 to 7.9% during the current financial year. “It (reduction) is being done to make the rates more market aligned. This will enable banks to consequently reduce their deposit rates and extend loan and credit to public and borrowers at lower rates,“ he told reporters but added that banks had to take a call on rates. A sharp reduction in small savings rates have always been a ticklish issue politically with Yashwant Sinha facing severe criticism when he cut rates as finance minister in the Atal Bihari Vajpayee government.
- 5. For Details and Appointment contact:- Parveen Kumar Chadha… THINK TANK (Founder and C.E.O of Saxbee Consultants & Other-Mother marketingandcommunicationconsultants.com) Email :-saxbeeconsultants@gmail.com Mobile No. +91-9818308353 Address:-First Floor G-20(A), Kirti Nagar, New Delhi India Postal Code-110015