CERTIFICATE OF DEPOSIT
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Certificate of deposit (CD) is a short term deposit instrument issued by banks and financial institutions to raise large sums of money. CDs can be issued with maturity periods between 7 days to 12 months by banks, and 1 to 3 years by financial institutions. They must be a minimum of Rs. 1 lakh and can be freely transferred between parties through endorsement and delivery. CDs offer depositors higher returns on their short term surpluses and banks a way to raise resources and improve lending capacity.
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Certificate of deposit (cd)
Certificates of deposit (CDs) are short-term deposit instruments issued by banks and financial institutions to raise large amounts of money. CDs can be issued with maturities ranging from 7 days to 12 months by banks and 1 to 3 years by financial institutions. They must be purchased in amounts of at least Rs. 1 lakh. Banks and corporations use CDs to mobilize funds when needed, such as providing loans. CDs provide liquidity to banks while offering depositors higher returns than regular fixed deposits. However, the CD market in India has yet to be fully developed due to the lack of a secondary market and low usage despite being available for some time.
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Mutual funds pool money from investors and invest it in stocks, bonds, and other securities. The money earned through investments and any capital appreciation is shared by unit holders proportionate to how many units they own. The document discusses the history of mutual funds in India from 1964 to present. It describes open-ended and closed-ended funds, as well as growth, income, balanced, and money market funds. The advantages of mutual funds include diversification, professional management, convenience, and tax benefits, while the disadvantages include costs and lack of control. Systematic investment plans allow regular investing of small amounts to achieve long-term goals through rupee cost averaging and the power of compounding.
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LISTING OF SECURITIES
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This document provides an overview of the Indian money market, including its meaning, key features, instruments, and recent developments. It discusses the structure and components of the Indian money market, such as the call money market, commercial bills market, acceptance market, and treasury bill market. It also outlines some features and deficiencies of the Indian money market, such as the existence of unorganized sectors, absence of integration, and limited instruments. Recent developments that have helped strengthen the Indian money market are also summarized, such as the integration of organized and unorganized sectors, introduction of new instruments, and establishment of organizations to support the market.
Investment avenues in India
This document discusses various investment avenues available in India. It outlines essential features of investments such as safety, liquidity, income, growth, legality and tax implications. Some key investment alternatives mentioned include bank deposits, post office schemes, company fixed deposits, public provident fund, equity shares, bonds, money market instruments, financial derivatives, mutual funds, life insurance and real estate. The document provides brief descriptions of these different investment types.
Certificates of Deposits
Certificates of Deposits We Learn - A Continuous Learning Forum from Welingkar's Distance Learning Program.
Certificates of Deposit (CD) are money market instruments issued by banks and financial institutions. CDs can be issued in dematerialized or physical form, have a minimum value of Rs. 1 lakh, and must be held for a period between 7 days to 1 year. They are available to corporations, companies, individuals, trusts, associations, and funds. CDs pay interest at a fixed or floating rate and can be transferred or replaced if lost, with proper documentation.Commercial papers
Commercial paper is a short term unsecured promissory note issued by companies to raise debt. It is issued at a discounted price and has a fixed maturity date. While the issuer promises to pay a fixed amount at maturity, they pledge no assets. Commercial paper can be issued directly to investors or through banks and is a simpler and more flexible source of short term financing for companies compared to bank loans.
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Certificate of deposit (cd)
Certificates of deposit (CDs) are short-term deposit instruments issued by banks and financial institutions to raise large amounts of money. CDs can be issued with maturities ranging from 7 days to 12 months by banks and 1 to 3 years by financial institutions. They must be purchased in amounts of at least Rs. 1 lakh. Banks and corporations use CDs to mobilize funds when needed, such as providing loans. CDs provide liquidity to banks while offering depositors higher returns than regular fixed deposits. However, the CD market in India has yet to be fully developed due to the lack of a secondary market and low usage despite being available for some time.
Mutual fund ppt
Mutual funds pool money from investors and invest it in stocks, bonds, and other securities. The money earned through investments and any capital appreciation is shared by unit holders proportionate to how many units they own. The document discusses the history of mutual funds in India from 1964 to present. It describes open-ended and closed-ended funds, as well as growth, income, balanced, and money market funds. The advantages of mutual funds include diversification, professional management, convenience, and tax benefits, while the disadvantages include costs and lack of control. Systematic investment plans allow regular investing of small amounts to achieve long-term goals through rupee cost averaging and the power of compounding.
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The document defines and describes the money market. It notes that the money market deals in short-term lending and borrowing of funds with high liquidity and very short maturities (less than 1 year). The money market comprises various submarkets like the call money market, acceptance market, discount market, and bill market. Some of the main instruments of the money market discussed include treasury bills, certificates of deposit, commercial papers, commercial bills, repos, banker's acceptances, and call money.
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A SMALL PRESENTATION ON LISTING OF SECURITIES. ITS OBJECTIVES, MERITS & DEMERITS, STEPS IN LISTING AND FINALLY DE-LISTING AND ITS TYPES.
Money market
This document provides an overview of the Indian money market, including its meaning, key features, instruments, and recent developments. It discusses the structure and components of the Indian money market, such as the call money market, commercial bills market, acceptance market, and treasury bill market. It also outlines some features and deficiencies of the Indian money market, such as the existence of unorganized sectors, absence of integration, and limited instruments. Recent developments that have helped strengthen the Indian money market are also summarized, such as the integration of organized and unorganized sectors, introduction of new instruments, and establishment of organizations to support the market.
Investment avenues in India
This document discusses various investment avenues available in India. It outlines essential features of investments such as safety, liquidity, income, growth, legality and tax implications. Some key investment alternatives mentioned include bank deposits, post office schemes, company fixed deposits, public provident fund, equity shares, bonds, money market instruments, financial derivatives, mutual funds, life insurance and real estate. The document provides brief descriptions of these different investment types.
Certificates of Deposits
Certificates of Deposits We Learn - A Continuous Learning Forum from Welingkar's Distance Learning Program.
Certificates of Deposit (CD) are money market instruments issued by banks and financial institutions. CDs can be issued in dematerialized or physical form, have a minimum value of Rs. 1 lakh, and must be held for a period between 7 days to 1 year. They are available to corporations, companies, individuals, trusts, associations, and funds. CDs pay interest at a fixed or floating rate and can be transferred or replaced if lost, with proper documentation.Commercial papers
Commercial paper is a short term unsecured promissory note issued by companies to raise debt. It is issued at a discounted price and has a fixed maturity date. While the issuer promises to pay a fixed amount at maturity, they pledge no assets. Commercial paper can be issued directly to investors or through banks and is a simpler and more flexible source of short term financing for companies compared to bank loans.
Commercial papers
Commercial paper (CP) is an unsecured, short-term debt instrument issued by corporations to meet short-term liabilities. CP was introduced in India in 1990 to provide highly rated corporations an alternative to bank borrowing. Only reputable corporations with good credit ratings can issue CPs to borrow at lower interest rates than banks and save on financing costs. CPs can be issued for periods between 15 days to one year, making them suitable for meeting working capital or current asset needs.
Mutual fund
A mutual fund is a professionally managed investment scheme that pools money from many investors to purchase stocks, bonds and other securities. It allows individual investors to diversify their holdings and benefit from professional fund management at a low cost. The money collected is invested in different securities and the income and capital appreciation is shared by unit holders proportionate to their investment. Mutual funds provide an opportunity for common investors to invest in a basket of securities with a relatively small amount of money.
Money market & its instruments
The document discusses the money market in India. It defines the money market and notes that it deals in short-term financial instruments that can be easily converted to cash. Some key aspects of the Indian money market discussed include the various sub-markets (e.g. call money market), instruments (e.g. treasury bills), participants (e.g. commercial banks), and the role of the money market in providing short-term funds and allowing central bank control of liquidity.
Treasury bills
Debt instruments enable parties to raise funds and come in two types: long-term and short-term. Treasury bills are a type of short-term government security issued at a discount to face value that allow investors to park surplus funds for under one year while reducing market risk. They are regularly auctioned by the Reserve Bank of India and include 91-day, 182-day, and 364-day bills.
Commercial paper
The document discusses commercial paper, which are short-term unsecured promissory notes issued by financially strong companies to raise funds for a period of up to one year. It explains what commercial paper is, who issues and invests in it, how it works, and provides an example of a company issuing commercial paper worth 50 crores. Commercial paper provides short-term funding to companies at lower interest rates than bank loans.
Money markets
The document provides an overview of the Indian money market, including definitions, key participants, instruments, and objectives. The money market deals with short-term lending and borrowing of funds (less than one year) through instruments like treasury bills, commercial paper, certificates of deposit, and repurchase agreements. It aims to provide short-term borrowers access to funds and investors with safe and liquid assets to park surplus funds. The Reserve Bank of India plays an important role in regulating the money market and managing liquidity.
Investment Avenues
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
Treasury bills
Treasury bills are short-term promissory notes issued by the government of India to finance its short-term borrowing needs. There are two types of treasury bills - ordinary bills which are freely tradable, and ad-hoc bills which are non-tradable and issued only to the RBI. Treasury bills are issued in 91-day, 182-day and 364-day maturities through weekly and fortnightly auctions. While treasury bills offer safety and liquidity, their yields tend to be low making them less attractive compared to other government securities.
Govt. securities market ppt
This document provides an overview of the Government Securities Market (GSM) in India. It discusses:
- What government securities are and how they are issued by the government to fund its activities.
- The key types of government securities including treasury bills, cash management bills, treasury notes, bonds, and zero coupon bonds.
- The major holders of government securities like commercial banks, insurance companies, and the Reserve Bank of India.
- The strengths of the GSM like its large size, well-regulated primary dealers, and sound depository system.
- Some weaknesses like potential for fiscal dominance outpacing demand and a skewed investor base.
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This document provides information about a student group project on capital market instruments. It includes the names and roll numbers of the group members, a table of contents for the project, and sections describing different capital market instruments like equity shares, preference shares, debentures, and bonds. It also discusses the differences between equity and debt securities and concludes that the capital market plays an important role in economic development.
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The document provides an overview of the Indian financial system and its key components. It discusses the formal and informal financial sectors in India. The formal financial system includes financial institutions, markets, instruments, and services. It describes some of the major financial institutions in India as well as money markets and capital markets. It also summarizes some common financial instruments and services that make up the Indian financial system.
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The document summarizes a seminar presentation on mutual funds and their types. It defines a mutual fund as a trust that pools investor savings and invests in stocks, bonds, and other securities. It outlines the history of mutual funds in India in four phases from 1964 to the present. It also describes the different types of mutual funds based on maturity period (open-ended or closed-ended) and investment objectives (growth, income, balanced, money market, gilt, and index funds). Finally, it lists some major Indian mutual fund companies and the advantages of investing in mutual funds.
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The document provides an overview of the debt market in India. It discusses that the Indian debt market is dominated by government bonds and is an important source of funds for the central and state governments to finance activities and manage budgets. It describes various debt instruments like government securities, corporate bonds, commercial papers, and certificates of deposits. It also outlines participants, regulatory bodies, and risks associated with the debt market while highlighting advantages like assured returns and disadvantages like lower returns compared to equity markets.
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The document discusses various investment alternatives available to investors. It covers financial investments such as mutual funds, bonds, stocks, deposits etc. It also discusses non-financial investments such as real estate and precious metals. Specific government saving schemes like post office deposits, public provident fund etc. are explained. Money market instruments and their types including treasury bills, commercial paper and repos are defined. Key features of bonds, stocks and mutual funds are highlighted. Insurance products and retirement plans are also summarized.
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The primary market deals with the issuing of new securities by companies, governments, or public institutions to raise funds. This is typically done through an investment bank or syndicate of securities dealers through processes like initial public offerings (IPOs) of stock, follow-on public offerings (FPOs), private placements, rights issues, and bonus issues. The primary market creates long-term instruments through which corporate entities can borrow capital. It allows companies to attract new capital, transfer assets into financial assets, and invest money for short or long term goals.
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This document provides an overview of various investment avenues in India including securities, fixed income securities, government securities, money market instruments, deposits, postal schemes, insurance, real estate, and precious metals. It describes the key characteristics of stocks, bonds, mutual funds, bank deposits, post office savings schemes, life insurance policies, real estate, and other assets. The document aims to educate investors on their options for investment, savings, and risk management.
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This document provides an overview of debentures, including:
- Debentures are long-term debt instruments similar to bonds that provide loan capital to a company.
- There are different types of debentures like non-convertible, partly convertible, and fully convertible debentures.
- Debentures can be secured, with company assets as collateral, or unsecured.
- Key features include the face value, interest rate, maturity date, and redemption value.
Mutual funds new
1. A mutual fund is a trust that pools savings from investors and invests them in stocks, bonds, and other securities.
2. SEBI regulates mutual funds in India and defines a mutual fund as a trust formed by a sponsor to raise money through the sale of units to the public and invest in securities.
3. The money collected is invested in capital market instruments and the income earned is shared by unit holders proportionate to their investment. This provides investors an opportunity to invest in a diversified basket of securities at low cost.
Certificate of deposite
A certificate of deposit is a time deposit offered by banks that pays interest over a specified period of time, ranging from 1 month to 5 years. It is issued to individuals, corporations, and other entities for a minimum of 100,000 rupees and up in multiples of 100,000 rupees. A certificate of deposit has a defined maturity date, interest rate, and denomination. However, it cannot be extended at maturity and funds can only be withdrawn via crossed cheque.
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The document is a certificate of deposit (CD) that provides information about CDs. It discusses that CDs are savings products offered by banks and credit unions that are insured by the FDIC or NCUA. CDs offer higher interest rates than savings accounts but require keeping the funds in the CD until maturity without facing penalties for early withdrawal. The document also lists different types of CDs and compares the pros and cons of CDs to other savings options.
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Commercial paper (CP) is an unsecured, short-term debt instrument issued by corporations to meet short-term liabilities. CP was introduced in India in 1990 to provide highly rated corporations an alternative to bank borrowing. Only reputable corporations with good credit ratings can issue CPs to borrow at lower interest rates than banks and save on financing costs. CPs can be issued for periods between 15 days to one year, making them suitable for meeting working capital or current asset needs.
Mutual fund
A mutual fund is a professionally managed investment scheme that pools money from many investors to purchase stocks, bonds and other securities. It allows individual investors to diversify their holdings and benefit from professional fund management at a low cost. The money collected is invested in different securities and the income and capital appreciation is shared by unit holders proportionate to their investment. Mutual funds provide an opportunity for common investors to invest in a basket of securities with a relatively small amount of money.
Money market & its instruments
The document discusses the money market in India. It defines the money market and notes that it deals in short-term financial instruments that can be easily converted to cash. Some key aspects of the Indian money market discussed include the various sub-markets (e.g. call money market), instruments (e.g. treasury bills), participants (e.g. commercial banks), and the role of the money market in providing short-term funds and allowing central bank control of liquidity.
Treasury bills
Debt instruments enable parties to raise funds and come in two types: long-term and short-term. Treasury bills are a type of short-term government security issued at a discount to face value that allow investors to park surplus funds for under one year while reducing market risk. They are regularly auctioned by the Reserve Bank of India and include 91-day, 182-day, and 364-day bills.
Commercial paper
The document discusses commercial paper, which are short-term unsecured promissory notes issued by financially strong companies to raise funds for a period of up to one year. It explains what commercial paper is, who issues and invests in it, how it works, and provides an example of a company issuing commercial paper worth 50 crores. Commercial paper provides short-term funding to companies at lower interest rates than bank loans.
Money markets
The document provides an overview of the Indian money market, including definitions, key participants, instruments, and objectives. The money market deals with short-term lending and borrowing of funds (less than one year) through instruments like treasury bills, commercial paper, certificates of deposit, and repurchase agreements. It aims to provide short-term borrowers access to funds and investors with safe and liquid assets to park surplus funds. The Reserve Bank of India plays an important role in regulating the money market and managing liquidity.
Investment Avenues
Mutual funds allow investors to pool their money together for investment in stocks, bonds, and other assets. The document discusses various types of mutual funds like equity funds, debt funds, and hybrid funds. It explains how Systematic Investment Plans (SIPs) enable regular small investments and benefit from rupee cost averaging. Equity Linked Savings Schemes (ELSS) are highlighted as a tax-efficient investment option that provides tax benefits under Section 80C while also offering potential for capital appreciation over the long run. Well-planned investments through mutual funds and SIPs can help create wealth and meet financial goals.
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Treasury bills are short-term promissory notes issued by the government of India to finance its short-term borrowing needs. There are two types of treasury bills - ordinary bills which are freely tradable, and ad-hoc bills which are non-tradable and issued only to the RBI. Treasury bills are issued in 91-day, 182-day and 364-day maturities through weekly and fortnightly auctions. While treasury bills offer safety and liquidity, their yields tend to be low making them less attractive compared to other government securities.
Govt. securities market ppt
This document provides an overview of the Government Securities Market (GSM) in India. It discusses:
- What government securities are and how they are issued by the government to fund its activities.
- The key types of government securities including treasury bills, cash management bills, treasury notes, bonds, and zero coupon bonds.
- The major holders of government securities like commercial banks, insurance companies, and the Reserve Bank of India.
- The strengths of the GSM like its large size, well-regulated primary dealers, and sound depository system.
- Some weaknesses like potential for fiscal dominance outpacing demand and a skewed investor base.
National security depository limited NSDL
NSDL was established in 1996 in Mumbai to create a national infrastructure for the electronic settlement of securities using international standards. It maintains investor holdings electronically, facilitates the electronic allotment of IPOs, and allows securities to be used as collateral for loans. Major participants include banks like HDFC, global custodians, and brokers. NSDL reduces paperwork and costs while preventing lost, stolen, or forged certificates to provide benefits for both investors and companies.
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This document provides information about a student group project on capital market instruments. It includes the names and roll numbers of the group members, a table of contents for the project, and sections describing different capital market instruments like equity shares, preference shares, debentures, and bonds. It also discusses the differences between equity and debt securities and concludes that the capital market plays an important role in economic development.
Indian Financial System
The document provides an overview of the Indian financial system and its key components. It discusses the formal and informal financial sectors in India. The formal financial system includes financial institutions, markets, instruments, and services. It describes some of the major financial institutions in India as well as money markets and capital markets. It also summarizes some common financial instruments and services that make up the Indian financial system.
Alternative investment funds
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The document summarizes a seminar presentation on mutual funds and their types. It defines a mutual fund as a trust that pools investor savings and invests in stocks, bonds, and other securities. It outlines the history of mutual funds in India in four phases from 1964 to the present. It also describes the different types of mutual funds based on maturity period (open-ended or closed-ended) and investment objectives (growth, income, balanced, money market, gilt, and index funds). Finally, it lists some major Indian mutual fund companies and the advantages of investing in mutual funds.
Debt market in india
The document provides an overview of the debt market in India. It discusses that the Indian debt market is dominated by government bonds and is an important source of funds for the central and state governments to finance activities and manage budgets. It describes various debt instruments like government securities, corporate bonds, commercial papers, and certificates of deposits. It also outlines participants, regulatory bodies, and risks associated with the debt market while highlighting advantages like assured returns and disadvantages like lower returns compared to equity markets.
Alternative Investment
The document discusses various investment alternatives available to investors. It covers financial investments such as mutual funds, bonds, stocks, deposits etc. It also discusses non-financial investments such as real estate and precious metals. Specific government saving schemes like post office deposits, public provident fund etc. are explained. Money market instruments and their types including treasury bills, commercial paper and repos are defined. Key features of bonds, stocks and mutual funds are highlighted. Insurance products and retirement plans are also summarized.
PRIMARY MARKET PPT
The primary market deals with the issuing of new securities by companies, governments, or public institutions to raise funds. This is typically done through an investment bank or syndicate of securities dealers through processes like initial public offerings (IPOs) of stock, follow-on public offerings (FPOs), private placements, rights issues, and bonus issues. The primary market creates long-term instruments through which corporate entities can borrow capital. It allows companies to attract new capital, transfer assets into financial assets, and invest money for short or long term goals.
Investment avenues
This document provides an overview of various investment avenues in India including securities, fixed income securities, government securities, money market instruments, deposits, postal schemes, insurance, real estate, and precious metals. It describes the key characteristics of stocks, bonds, mutual funds, bank deposits, post office savings schemes, life insurance policies, real estate, and other assets. The document aims to educate investors on their options for investment, savings, and risk management.
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This document provides an overview of debentures, including:
- Debentures are long-term debt instruments similar to bonds that provide loan capital to a company.
- There are different types of debentures like non-convertible, partly convertible, and fully convertible debentures.
- Debentures can be secured, with company assets as collateral, or unsecured.
- Key features include the face value, interest rate, maturity date, and redemption value.
Mutual funds new
1. A mutual fund is a trust that pools savings from investors and invests them in stocks, bonds, and other securities.
2. SEBI regulates mutual funds in India and defines a mutual fund as a trust formed by a sponsor to raise money through the sale of units to the public and invest in securities.
3. The money collected is invested in capital market instruments and the income earned is shared by unit holders proportionate to their investment. This provides investors an opportunity to invest in a diversified basket of securities at low cost.
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Similar to CERTIFICATE OF DEPOSIT
Certificate of deposit
Certificates of deposit (CDs) are short-term deposit instruments issued by banks and financial institutions to raise large amounts of money. CDs can be issued with maturities between 7 days to 12 months and allow banks to mobilize bulk deposits at competitive interest rates. While CDs are freely transferable, banks cannot grant loans against them or buy them back before maturity. CDs have helped banks and companies raise funds but lack a secondary market and have remained confined to a few large institutions.
money market instuments
The document provides an overview of various money market instruments in India, including certificates of deposit, commercial paper, treasury bills, call money market, repo transactions, and government securities. It discusses the definition, key features, eligible participants, issuance process and recent changes for each instrument. The overall purpose is to explain the fundamentals and functioning of the short-term debt market in India.
Money market Instruments
This document provides information about money market instruments presented by Bhushan Vijay Phirke. It defines the money market as a market for trading short-term debt instruments with maturities of one year or less between participants that need to borrow or lend cash for short periods. Common money market instruments discussed include treasury bills, commercial paper, certificates of deposit, and banker's acceptances. Treasury bills are short-term government debt, commercial paper is issued by corporations for financing, certificates of deposit are bank-issued promissory notes, and banker's acceptances involve bills of exchange guaranteed by banks. The presentation concludes that individual investors can access money market instruments through money market funds or bank accounts rather than directly.
Monry market.pdf
The document provides information on various money market instruments in India including treasury bills, commercial papers, certificates of deposit, call/notice money, repos, and reverse repos. It defines each instrument, describes their key features and roles. The money market constitutes an important segment of the Indian financial system and involves various participants such as banks, mutual funds, corporations, and the Reserve Bank of India. It helps provide liquidity and allows participants to manage their short-term funds and borrowings.
MACRO ECONOMIC MONEY MARKET PPT RKS.pptx
1. The document discusses various money market instruments including treasury bills, commercial bills, certificates of deposit, commercial paper, and call money.
2. Treasury bills are issued by the government at a discount and repaid at par at maturity. Commercial bills are issued by businesses to meet short-term funding needs and can be transferred between parties.
3. Certificates of deposit are term deposits issued by commercial banks that vary between 3 months to 1 year. Commercial paper is issued by corporations to meet working capital requirements and ranges from 15 days to 1 year.
Financial instruments and methods
This document discusses various financial instruments and methods. It defines financial instruments as contracts that create financial assets and liabilities. It describes the main types of financial instruments as cash instruments like securities and loans, and derivative instruments whose value is based on underlying assets. It also discusses various classification of instruments like debt, equity and foreign exchange. The document then explains four common financial methods used by banks - overdraft, cash credit, fixed loans, and discounting bills of exchange. It provides details on how the Kisan Credit Card scheme works for farmers in India and the features of core banking systems and e-banking/internet banking services.
Indian money market b.v.raghunandan
explains the various segments of Indian Money market including the money market instruments and their features
Indian financial markets module 1.pptx
The document provides information about various aspects of financial markets in India, including money markets, capital markets, and the instruments that trade within them. It discusses short-term money market instruments like treasury bills, commercial paper, certificates of deposit, and various types of markets like the call money market, commercial bill market, gilt-edged security markets, and capital markets. It also covers the key features and functions of instruments like treasury bills, certificates of deposit, and how the commercial bill market works. Overall, the document offers a comprehensive overview of the different segments of India's financial system and the short-term and long-term debt instruments that are commonly traded within each.
Call money and certificate of deposit
Call money is money loaned by banks that must be repaid on demand without a fixed schedule. It is used by brokerages as short-term funding to maintain margin accounts. The funds can move quickly between lenders and brokerages.
Certificates of deposit are short-term deposit instruments issued by banks and financial institutions to raise large amounts of money. They have a minimum maturity of 7 days and maximum of 12 months. CDs offer liquidity as they are transferable and allow holders to resell before maturity. They provide banks a way to raise resources and improve lending capacity.
final ioaotcostf
1) Trade credits and short term loans are the most suitable types of short term financing for small and medium enterprises (SMEs) as they help satisfy SMEs' short term monetary needs efficiently.
2) Trade credits do not require interest payments but the creditor's belief in the debtor's ability to repay is important. Creditors may also offer cash discounts.
3) Short term loans can be secured or unsecured depending on assets, with more security allowing higher chances of financing. Banks also track loan utilization.
Retail banking
The document discusses various money market instruments in India including treasury bills, repurchase agreements, commercial papers, certificates of deposits, call money market, and collateralized borrowing and lending obligations. Money market refers to markets for short-term debt instruments with maturities of one year or less. It includes various submarkets like the inter-bank market and allows players like banks, corporations, and governments to borrow and lend in the short-term. Common characteristics of money market instruments are their short maturities of one year or less, low credit risk, high liquidity, and large transaction volumes.
Money market instrument ppt
This document defines and describes the money market. It states that the money market deals with short-term lending and borrowing of funds with maturities of less than one year. It lists the key characteristics of the money market, including short-term funds, a highly organized banking system, and flexibility. The document also discusses the functions of the money market in facilitating economic development, government borrowing, and savings and investment. Finally, it outlines several common money market instruments, such as treasury bills, commercial paper, certificates of deposit, and repurchase agreements.
Working Capital Financing - PPT.pptx
This document discusses various options for working capital financing. It defines working capital as reflecting a company's liquidity and being used to meet day-to-day expenses. Common sources of working capital financing discussed are bank loans, trade receivables financing, non-bank financial institutions, informal lending, trade credit, commercial paper, and bank credit facilities. Each option is described in terms of eligibility, interest rates, documentation requirements, and other key factors.
Money m arket 1
The document discusses key aspects of India's financial system, including the formal and informal sectors, various financial markets and instruments. It provides details on money markets, participants in call money, commercial bill, treasury bill, certificate of deposit and commercial paper markets. It also explains key monetary policy tools such as bank rate, cash reserve ratio, statutory liquidity ratio, repo rate and reverse repo rate.
Debt instruments
This document discusses various types of debt instruments. It defines a debt instrument as a paper or electronic obligation that enables the issuing party to raise funds by promising to repay a lender according to contractual terms. Debt instruments can be either short-term obligations maturing within one year, or long-term obligations maturing in over one year. Some common types of debt instruments discussed include bonds, certificates of deposit, commercial papers, debentures, government securities (G-secs), and national savings certificates. Each type has its own defining characteristics around interest rates, collateral, issuers, and terms.
New microsoft-power-point-presentation
Treasury bills are short-term government securities that mature in one year or less and are considered very safe investments. They are auctioned weekly and pay interest through the difference between the discounted price and face value at maturity. Certificates of deposit are issued by commercial banks for terms between 15 days to 1 year, require a minimum deposit, and interest is calculated daily. Commercial paper is a short-term unsecured loan issued by corporations to meet credit needs, bearing higher risk and return than Treasury bills.
Money market
The money market deals with short-term lending and borrowing of funds with maturities of less than one year. It includes various instruments such as treasury bills, commercial paper, certificates of deposit, and call/notice money. The money market helps provide short-term funding for participants and allows the central bank to regulate liquidity in the economy. It has grown in recent decades with the introduction of new instruments and the integration of organized and unorganized sectors.
THE CLASSIFICATION OF DEBT INSTRUMENTS IN INDIA
Debt Instruments are obligation of issuer of such instrument as regards certain future cash flow representing Interest & Principal, which the issuer would pay to the legal owner of the Instrument. Types of Debt Instruments are of different types like Bonds, Debentures, Commercial Papers, Certificates of Deposit, Government Securities (G - Secs) etc. The Government Securities (G-Secs) market is the oldest and the largest element of the Indian debt market in terms of market capitalization, trading volumes and outstanding securities. The G-Secs market plays a very important role in the Indian economy as it provides the benchmark for determining the level of interest rates in the country through the yields on the government securities which are treated as the risk-free rate of return in any economy.
The reserve Bank of India has allowed Primary Dealers, Banks and Financial Institutions in India to do transactions in debt instruments among themselves or with non-bank clients. Debt instruments provide fixed return known as coupon rate. Retail investors would have a natural preference for fixed income returns and especially so in the present situation of increasing volatility in the financial markets. Now, retail investors are also showing keen interest in Debt Instruments particularly in the Central Government Securities (G-secs).For an individual investor G-secs are one of the best investment options as there is zero default risk and lower volatility.
Inter corporate deposits
Kingfisher Airlines owes Rs 260 crore to Airports Authority of India for airport infrastructure usage. KFA will pay through an inter-corporate deposit from UB Group. [ICDs are short-term loans between corporations, often at higher interest rates than banks due to risk. They lack collateral but help cash-strapped firms access funds.] Kingfisher will receive an ICD from UB Group to pay its debt to AAI. ICDs are an unsecured source of short-term funds for companies in need, bearing higher interest than bank loans. They are an alternative to bank loans, especially for less creditworthy companies. However, their reliance on corporate relationships limits their availability compared to formal bank financing.
Shashwat dev ppb presentation loan policy
The document discusses the long term loan policies of Saraswat Cooperative Bank Ltd. It provides an introduction to the bank and describes its various corporate and retail loan offerings. The corporate loans discussed include rental loans, property loans, term loans, and loans targeted towards women entrepreneurs. The retail loans described are housing loans, car loans, education loans, gold loans, and loans against property. Eligibility criteria, interest rates, and repayment periods are provided for each loan type.
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financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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CERTIFICATE OF DEPOSIT
- 1. CERTIFICATE OF DEPOSIT NAME-BISWAJEET SAMAL C.V.RAMAN BUSINESS SCHOOL,BHUBANESWAR
- 2. Certificate of deposit s are short term deposit instrument issued by Banks and Financial institutions to raise large sums of money. This scheme was introduced in July 1989, to enable the banking system to mobilise bulk deposits from the market, which they can have at competitive rates of interest The CDs are transferable from one party to another party to another
- 3. Who can issue :-Scheduled commercial banks (except RRBs) and All India Financial Institutions Maturity Min: 7 days Max : 12 Months (in case of FIs minimum 1 year and maximum 3 years). Amount Min: Rs.1 lac, beyond which in multiple of Rs.1 lac
- 4. Who can subscribe CDs ?
- 5. Features of Certificate of Deposit 1.Document of title to time deposit. 2.Unsecured negotiable pronotes. 3.Freely transferable by endorsement and delivery . 4.Issued at discount to face value. 5.Repayable on fixed date without grace days. 6.Subject to stamp duty like the usance promissory notes
- 6. RBI Guidelines The Certificate of Deposits may be issued at a discount on face value. Banks have to maintain CRR and SLR on the issue price of CDs Three financial institutions ,viz ., IDBI,ICIC,IFCI, were permitted to issue CDs with a maturity period of more than one year up to three years . CDs in physical form are freely transferable by endorsement and delivery. CDs in demat form can be transferred as per the procedure applicable to other demat securities. There is no lock-in period for the CDs.
- 7. In case of Certificate of Deposits, there is no lock in period. Banks and financial institutions can not grant loans against Certificate of Deposits and they can’t even buyback their own Certificate of Deposits before maturity. CDs in physical form are freely transferable by endorsement and delivery. CDs in demat form can be transferred as per the procedure applicable to other demat securities. There is no lock-in period for the CDs. Minimum amount of a CD should be Rs.1 lakh, i.e., the minimum deposit that could be accepted from a single subscriber should not be less than Rs.1 lakh, and in multiples of Rs. 1 lakh thereafter
- 8. Advantages Certificate of deposits are the most convenient instruments to depositors as they enable their short term surpluses to earn higher return. CDs also offer maximum liquidity as they are transferable by endorsement and delivery. The holder can resell his certificate to another. From the point of view of issuing bank, it is vehicle to raise resource in times of need and improve their lending capacity. The CDs are fixed term deposits which cannot be withdrawn until the redemption date. This is an ideal instrument for the banks with short term surplus found to invest at attractive