The Indian money market consists of diverse sub-markets dealing in short-term credit, ranging from overnight to one year. It balances the demand and supply of short-term funds and serves as an equilibrium mechanism. The money market includes instruments like call money, treasury bills, repos, and money market mutual funds. It fulfills the borrowing and investment needs of short-term fund providers and users. The Reserve Bank of India has significant influence over the organized banking sector of the money market.
Call Money
Notice Money
Definition of Call Money
Definition of Notice Money
FEATURES OF CALL MONEY
CALL MONEY MARKET
REASONS FOR EXISTENCE OF CALL MONEY
IMPACT OF CALL MONEY
Critically examine the features of various common money market instruments av...Bilal Ahmed Bhatti
Critically examine the features of various common money market instruments available in corporate sector of Pakistan. Also give theoretical background of the topic
Call Money
Notice Money
Definition of Call Money
Definition of Notice Money
FEATURES OF CALL MONEY
CALL MONEY MARKET
REASONS FOR EXISTENCE OF CALL MONEY
IMPACT OF CALL MONEY
Critically examine the features of various common money market instruments av...Bilal Ahmed Bhatti
Critically examine the features of various common money market instruments available in corporate sector of Pakistan. Also give theoretical background of the topic
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
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.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
1. Money market in India
The Indian money market is "a market for short-term and Long term funds with maturity ranging from
overnight to one year and includes financial instruments that are deemed to be close substitutes of
[1]
money." It is diversified and has evolved through many stages, from the conventional platform of
treasury bills and call money to commercial paper, certificates of deposit, repos, FRAs and IRS more
recently.
The Indian money market consists of diverse sub-markets, each dealing in a particular type of short-
term credit. The money market fulfills the borrowing and investment requirements of providers and
users of short-term funds, and balances the demand for and supply of short-term funds by providing
an equilibrium mechanism. It also serves as a focal point for the Central Bank's intervention in the
market.
Structure
The Indian money market consists of the unorganised sector: moneylenders, indigenous bankers, chit
funds; organised sector: Reserve Bank of India, private banks, public sector banks, development
banks and other Non Banking Financial Companies(NBFCs) such as Life Insurance Corporation of
India (LIC), Unit Trust of India(UTI), the International Finance Corporation, IDBI, and the co-operative
sector.
Instruments
Call money market
The call money market deals in short term finance repayable on demand, with a maturity period
varying from one day to 14 days. S.K. Muranjan commented that call loans in India are provided to
the bill market, rendered between banks, and given for the purpose of dealing in the bullion market
[2]
and stock exchanges. Commercial banks, both Indian and foreign, co-operative banks, Discount and
Finance House of India Ltd.(DFHI), Securities trading corporation of India (STCI) participate as both
lenders and borrowers and Life Insurance Corporation of India (LIC), Unit Trust of India(UTI), National
Bank for Agriculture and Rural Development(NABARD)can participate only as lenders. The interest
rate paid on call money loans, known as the call rate, is highly volatile. It is the most sensitive section
of the money market and the changes in the demand for and supply of call loans are promptly
reflected in call rates. There are now two call rates in India: the Inter bank call rate'and the lending
rate of DFHI. The ceilings on the call rate and inter-bank term money rate were dropped, with effect
from May 1, 1989. The Indian call money market has been transformed into a pure inter-bank market
[3]
during 2006–07. The major call money markets are
in Mumbai, Kolkata, Delhi, Chennai, Ahmedabad.
2. Treasury bill market
Treasury bills are instrument of short-term borrowing by the Government of India, issued as
promissory notes under discount. The interest received on them is the discount which is the difference
between the price at which they are issued and their redemption value. They have assured yield and
negligible risk of default. Under one classification, treasury bills are categorised as ad hoc, tap and
auction bills and under another classification it is classified on the maturity period like 91-days TBs,
182-days TBs, 364-days TBs and two types of 14-days TBs. In the recent times (2002–03, 2003–04),
the Reserve Bank of India has been issuing only 91-day and 364-day treasury bills. the auction format
of 91-day treasury bill has changed from uniform price to multiple price to encourage more
[4]
responsible bidding from the market players. the bills are two kinds- Adhoc and regular. the adhoc
bills are issued for investment by the state governments, semi government departments and foreign
central banks for temporary investment. they are not sold to banks and general public. The treasury
bills sold to the public and banks are called regular treasury bills. they are freely marketable.
commercial bank buy entire quantity of such bills issued on tender . they are bought and sold on
discount basis.
Ready forward contract (Repos)
Repo is an abbreviation for Repurchase agreement, which involves a simultaneous "sale and
[5]
purchase" agreement. When banks have any shortage of funds, they can borrow it from Reserve
Bank of India or from other banks. The rate at which the RBI lends money to commercial banks is
called repo rate, a short term for repurchase agreement. A reduction in the repo rate will help banks to
get money at a cheaper rate. When the repo rate increases borrowing from RBI becomes more
expensive.[1].
Money market mutual funds
Money market mutual funds invest money in specifically, high-quality and very short maturity-based
money market instruments. The RBI has approved the establishment of very few such funds in India.
[6]
In 1997, only one MMMF was in operation, and that too with very small amount of capital.
Reserve Bank of India
The influence of the Reserve Bank of India's power over the Indian money market is confined almost
exclusively to the organised banking structure.It is also considered to be the biggest regulator in the
markets. There are certain rates and data which are released at regular intervals which have a huge
impact on all the financial markets in INDIA. The unorganised sector, which consists mostly of
indigenous bankers and non-banking financial companies, although occupying an important position
in the money market have not been properly integrated with the rest of the money market.