Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
Banking sector is going to be the most watched sector in the coming quarters. There are reasons for this, RBI has reduced the CRR rate and repo rates. The debt/GDP ratio of the Government is scary at 80% essentially meaning that the Government cannot borrow much without jeopardizing stability of banking sector. Given project is an attempt to identify and analyse the vision and mission of HDFC bank, as well as comparing the position and strategies of the bank with its major competitor.
Project:
Provides all the crucial information on HDFC Bank Limited required for business and competitor intelligence needs.
Contains a study of the major internal and external factors affecting HDFC Bank Limited in the form of a SWOT analysis as well as a breakdown and examination of strategies of HDFC Bank Limited.
Major factors contributing the success of HDFC.
Industrial analysis of HDFC through Porter’s five forces model as well as comparing that with its competitor ICICI.
Analysis done on BCG matrix
With this project we have tried to understand the different business process identified by the bank, as well as analyzing its strength and weakness as compared to other banks. Our project is mainly concentrated on the comparative analysis of HDFC and competitor ICICI. The source of information is secondary that is through internet and different newspapers and sites of HDFC and ICICI as well as some of the journals.
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
The bank, established in 1984 in Sion, central Mumbai, has branches in six states but most of them are concentrated in Mumbai and Delhi.
On September 24, the bank’s managing director, Joy Thomas, had sent a text message to depositors about the RBI’s regulatory restrictions capping withdrawals up to Rs 1,000 for six months.
Thomas has since been arrested, along with the promoters of the Housing Development Infrastructure Limited (HDIL), Rakesh and Sarang Wadhawan, in an alleged fraud case.
This project report has been prepared as per the requirement of the syllabus of
MBA course structure under which the students are the required to undertake
project.
It was a first hand experience for us as that we were exposed to the professional
set-up and were facing the market, which was really a great experience.
During project period, I had very touching experiences. When business is involved,
experiences counts a lot, as we know, experience are an instrument, which leads
towards success.
The bank, established in 1984 in Sion, central Mumbai, has branches in six states but most of them are concentrated in Mumbai and Delhi.
On September 24, the bank’s managing director, Joy Thomas, had sent a text message to depositors about the RBI’s regulatory restrictions capping withdrawals up to Rs 1,000 for six months.
Thomas has since been arrested, along with the promoters of the Housing Development Infrastructure Limited (HDIL), Rakesh and Sarang Wadhawan, in an alleged fraud case.
Investor awareness programs in Indian equity markets provide foundational knowledge, risk management strategies, and market insights. Participants learn about equity investments, risk assessment, and market analysis, empowering them to make informed decisions. Strategies such as diversification and ethical investing are emphasized, while technology is leveraged for efficient portfolio management. Continuous learning ensures investors stay updated on market trends. These programs foster a knowledgeable and resilient investor community, enhancing the integrity and efficiency of the market ecosystem. For more information Contact https://www.Rytvae.com
In every movie, at the end everything goes well and movie ends happily and if it didn’t, then... "Picture abhi baaki hai mere dost"
How happy we’ll be if our life turns out to be like a movie, no? But the truth is … Life is not a movie. We all know about the hardship and struggle of life. But YES, if we plan our finances and manage it properly then we can surly make the story of our life “Happy".
So where ever you are and in whatever condition, let's start planning our finance because."Picture abhi baaki hai mere dost...". We at financial Hospital is coming with a session on how to plan and where to find safe heaven for your finance. Read on to make yourself a super hero of your own life movie.
Lic of india, lic agent india, lic consultant india, lic agent mumbai, lic pl...Naresh Gandhi
LIC Agent Mumbai, Life Insurance India: We are Life Insurance Corporation of India's authorised insurance agents. If you are looking for Lic Investment plan, Life Insurance, Lic Term policy, Lic endownment plan, Lic pension plan, Lic fixed deposit, Lic jeevan saral you can contact us and we will be more than happy to assit you in your financial planning
It is estimated that 50% of equity assets held by retail investors do not remain for more than 2 years (Source: Amfi, data as on quarter ended June 2023)
As you can see from the illustration alongside, the growth of investment at a CAGR of 10% is gradual for the 1st 2 years but becomes significant by the 5th year and more than doubles over 10 years.
This is called compounding and generally kicks in by the 5th year and beyond. Compounding is required when the investor is aiming to create wealth.
As a Retirement Mutual Fund has a lock-in of 5 years you automatically get the benefit of compounding.
You can have six nominees and may also specify the proportion of benefit that you would like each nominee to receive
Kapil Mehta, Managing director and principal officer, SecureNow Insurance Broker Pvt. Ltd
Published in Mint Dated 23rd May, 2012
I am a 29-year-old married male. I have a term plan of Rs. 50 lakh. We recently had a baby girl. Now I plan to increase the sum assured to Rs. 1 crore. Should I now go for a unit-linked insurance plan (Ulip) or an endowment plan?
—Nityanand Sahay
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
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
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
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
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
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade 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.
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
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
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 get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
1. Personal financial case study
of Abhishek Goel
By Dnyaneshwar Ugalmugale
(ASHOKA BUSINESS SCHOOL)
2. About case
Name – Abhishek Goel (30)
Family – Father (67), Mother (63)
Resides in – Delhi
Occupation: Service
Job Details: Works as Chief Manager
Claims for a Private General
insurance company.
3. Source of Income of Abhishek
Source Category Per month
Abhishek Salary 90000
Total Monthly Income 90000
Total Annual Income 1080000
What is the present situation?
4. Source of Income
Source Category Per month
Abhishek Salary 90000
Total Monthly Income 90000
Total Annual Income 1080000
Expenses Per month Annual
Household 10000 120000
Home loan EMI 19500 234000
Personal expenses 10000 120000
Insurance premium 17978 215740
Total 57478 689740
5. Assets Rs. Liabilities Rs
Savings Account 105000 Home loan 1850000
Fixed deposits 800000
EPF 532000
Insurance Cash value 454758
Equity Mutual funds 1070000
Shares 476000
Under Construction property 2500000
Total 5937758 1850000
Networth 4087758
Net worth Statement
6. Findings
Emergency fund: Apart from the savings account, the
fixed deposits provide a decent back up In case of any
emergency.
Life insurance: Abhishek is covered for Rs. 1.09 crores
through 1 term pan of 1 crore and two traditional plans.
He also has a traditional pension plan for which his
monthly contribution is Rs. 8145 and the maturity is in
2041. He has a limited premium traditional policy where
the last payment is to be done next year. The last policy
is an endowment policy which will mature in 2028.
Health Insurance: Abhishek is covered for Rs. 5 lakhs
through his employer group insurance policy. His
parents are covered for Rs. 2 lakhs each through a
separate policy. He also has a separate health cover of
Rs. 15 lakhs through a combination of mediclaim and
top up policy.
7. Loans
Original
Amount
Interest &
Term
EMI
Present
Outstanding
loan
Home loan ₹ 19,00,000
9.75%, 15
years
₹ 19,500 ₹ 18,50,000
Investments: Investments are very well diversified into debt and equity with debt
comprising 55% of the allocation and equity at 45%. Property has been excluded as
its for self-consumption.
Liabilities: Presently there is only 1 loan which is a home loan taken on the under-
construction property.
8. Recommendations
Life Insurance: Considering the financial goals and
outstanding liabilities,Abhishek’s cover is adequate. He
needs to stop the traditional pension policy as well as the
endowment policy which matures in 2028. The yield on these
policies are less than 6% and hence coming out of those will
make sense now rather than continue them till maturity which
is more than 12 years to 20 years from now. Surrender of the
2 policies will fetch him approximately Rs. 3 lakhs. He should
revisit the cover post marriage.
Emergency fund: Abhishek needs to maintain an
emergency fund of Rs. 1.75 lakhs, which should take care of
nearly 3 months of expenses. Presently he has maintained
Rs. 1.05 lakhs in savings account which can be maintained as
it is and additionally he should move Rs. 70000 from his FDs
into a liquid fund.
9. Health Insurance: The present cover is adequate as per his
age. He should include his wife’s name when he gets married
next year.
Debt Management: Even though the actual loan approval
amount is Rs. 50 lakhs,Abhishek should not take the full
disbursement. He should try and use his own sources to pay
for the property and keep the loan to less than Rs. 30 lakhs. A
higher loan and EMI can hamper future goals. He can use the
Rs. 3 lakhs from insurance surrender to pay for slab wise
payments. The policy surrender will also enable the increase
in surplus amount every month.
Accident Insurance: Abhishek should take a personal
accident comprehensive policy which will cover for accidental
death, permanent and partial disability including
weekly/monthly compensation for loss of work due to total
temporary disability. A PA cover of Rs. 50 lakhs with a TTD
cover of Rs. 15 lakhs are suggested. The premium for this will
be approximately Rs. 7000
10. Sr.No
Financial
goals
No of
years
to goal
Year
Present
Value
Future
value
Inflation
conside
red
1 Marriage 1 2017 400000 436000 9%
2 Buying a Car 2 2018 400000 466560 8%
3
Educational
Funding for 1
child
20 2036 300000 1681323 9%
21 2037 300000 1832642 9%
22 2038 300000 1997580 9%
23 2039 300000 2177362 9%
24 2040 1000000 7911083 9%
25 2041 1000000 8623081 9%
4
Retirement at
55
25 2041 360000 1953876 7%
Financial Goals:
11. 1. Marriage (2017)
Current value: Rs 4 lakh
Future Value: Rs. 4.36 lakh
Status of goal 1:
Abhishek does not want to spend too much on marriage and considering the
fact that the marriage expenses will be shared with his spouse, he would not
like to exceed Rs. 4 lakhs. A part of the Fixed deposits can be used for this
goal.
Returns expected in fixed deposits: 6% post tax.
2. Buying a car (2018)
Current value: Rs 4 lakh
Future Value: Rs. 4.66 lakhs
Status of goal 2:
He needs to start Sip of Rs. 18500 in ultrashort debt funds for a period of 24
months to achieve this goal.
Returns expected in Ultrashort debt funds: 6% post tax over the required time
horizon.
12. 3. Educational funding for 1 child (2036 –
2041)
Current value: Rs. 32 lakhs
Future Value: Rs. 2.42 crores
Status of goal 3:
Considering the long-term nature of this goal,
Abhishek needs to invest Rs. 14000 per
month for 25 years in a combination of
largecap and balanced funds. Due to the
present surplus, he can easily invest for this
goal.
Returns expected in the mutual funds
portfolio: 13% over the required time horizon
13. 4. Retirement Planning (2041)
Present Annual expense (Excluding children’s expenses and EMI’s)
–Rs. 3.60 lakhs
Future Annual Expense – Rs. 19.53 lakhs
Corpus required – Rs. 4.53 crores.
(Inflation considered: 7%, Returns on corpus during retirement 9%,
Expected life expectancy at 85 years)
Status of retirement goal– One principle which Abhishek has
followed when he left his last organisation in 2014 is to transfer his
EPF to the new employer rather than withdraw which most people
do. With compounding and regular contribution, the EPF turns out to
be a good amount during retirement. Considering a 5% increase in
basic year on year his EPF in the year 20141 should be worth Rs.
1.93 crores. The mutual funds and equity shares if maintained that
long can fetch him Rs. 1.45 crore and Rs. 1.56 crore respectively.
These 3 assets are sufficient to create a good retirement corpus as
per today’s needs.
Most of us plan retirement when there are either 10 or less years for
one to retire. That leaves very little time to enable compounding of
your investment and the savings and investments required in the
short time will also be huge.
14. Taxation:
Abhishek’s EPF and life insurance premiums of 2 policies (Term and
1 traditional) exceed the limit of Rs. 1.5 lakhs provided under
80C. He is also utilizing the 80D deduction up to Rs. 25000 due to
health insurance premium of self and parents. He can avail the home
loan interest benefit on under construction property in 5 equal
installments from the year of completion of his flat.
15. Conclusion
Abhishek’s life is a live example of how his
childhood period of financial turmoil has
moulded him to be a better saver and
investor. At his age, he had done a fairly good
job of creating a good investment basket.
There are several like him who have an
opportunity to choose what is right.
Many of his age, having similar salary may
not have accumulated as much as he has. In
this age of uncertainty, it’s very critical that
the younger generation focuses on saving
and building up a good corpus right from the
first salary. Else there will always be regrets
and “I should have done that” sighs when you
evaluate your life in your 40s and 50s.