The document discusses various investment options and their returns over time. It notes that investing Rs. 100,000 in 1979 would be worth over Rs. 5 million if invested in the stock market compared to Rs. 326,000-366,000 if invested in more conservative options like fixed deposits, public provident fund, or gold after adjusting for inflation. Real estate is noted to have lower actual returns than perceived once inflation is accounted for, with equity historically providing higher long-term growth. Life insurance is described as income protection rather than a means of wealth creation.
Indian economy is one of the world’s fastest growing economies with special growth of banking sector in the past few decades. Banking sector is the backbone of any economy. The Indian banking sector has experienced considerable growth since the introduction of financial sector reforms and liberalisation of economy in 1991. Though the banking industry is well regulated by Reserve Bank of India, still the sector suffers from financial distress. This study endeavours to cover banking frauds. In this article, author analyses the current financial difficulties in the banking sector due to the scams and frauds. The report discusses about the case of mounting Non performing assets in past few years across Indian scheduled public sector banks. Majority of the banks in India are facing the problems of low lending rate and nonperforming assets. Scams and non payment of the loans by the influential and wilful defaulters are one of the major problems for the banks at present. The author suggests certain measures to reduce banking sector frauds. Mrs Sunindita Pan "Analysis of Frauds in Indian Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-3 , April 2020, URL: https://www.ijtsrd.com/papers/ijtsrd30238.pdf Paper Url :https://www.ijtsrd.com/economics/financial-economics/30238/analysis-of-frauds-in-indian-banking-sector/mrs-sunindita-pan
Indian economy is one of the world’s fastest growing economies with special growth of banking sector in the past few decades. Banking sector is the backbone of any economy. The Indian banking sector has experienced considerable growth since the introduction of financial sector reforms and liberalisation of economy in 1991. Though the banking industry is well regulated by Reserve Bank of India, still the sector suffers from financial distress. This study endeavours to cover banking frauds. In this article, author analyses the current financial difficulties in the banking sector due to the scams and frauds. The report discusses about the case of mounting Non performing assets in past few years across Indian scheduled public sector banks. Majority of the banks in India are facing the problems of low lending rate and nonperforming assets. Scams and non payment of the loans by the influential and wilful defaulters are one of the major problems for the banks at present. The author suggests certain measures to reduce banking sector frauds. Mrs Sunindita Pan "Analysis of Frauds in Indian Banking Sector" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-3 , April 2020, URL: https://www.ijtsrd.com/papers/ijtsrd30238.pdf Paper Url :https://www.ijtsrd.com/economics/financial-economics/30238/analysis-of-frauds-in-indian-banking-sector/mrs-sunindita-pan
RBI issues SGB on behalf of the Government of India. Buy SGB online and earn a fixed interest of 2.50% per annum. No making charges and alternative of physical gold.
Stock Market Technical Analysis, Stock/Share Trading.Get the latest stock technical analysis of stock/share trends, BSE/NSE technical chart, live market map and more technical stock information at Capitalheight
KNR constructions a case study of patience and multibagger returnsNiteen S Dharmawat
The answer to the quiz of 17th Jan is KNR Constructions. I received several responses. Many of you answered it correctly, some of you got confused it with J Kumar Infra (JKIL) and REC Ltd. But that’s ok. Many of you tried to find out the name of the company by matching the parameters. This process of learning was more important.
Public Provident Fund or PPF Account benefits are discussed in Hindi as per updated RBI Guidelines 2019. How to open a PPF account online or in Post Office, 10 years Interest Rate Chart, PPF Maturity Chart and other PPF rules regarding withdrawal, eligibility, maturity period etc. are discussed in detail. PPF account can be opened in a Post Office or an Authorized Bank like Bank of India, SBI, PNB, ICICI Bank, HDFC Bank, Axis Bank etc.
RBI issues SGB on behalf of the Government of India. Buy SGB online and earn a fixed interest of 2.50% per annum. No making charges and alternative of physical gold.
Stock Market Technical Analysis, Stock/Share Trading.Get the latest stock technical analysis of stock/share trends, BSE/NSE technical chart, live market map and more technical stock information at Capitalheight
KNR constructions a case study of patience and multibagger returnsNiteen S Dharmawat
The answer to the quiz of 17th Jan is KNR Constructions. I received several responses. Many of you answered it correctly, some of you got confused it with J Kumar Infra (JKIL) and REC Ltd. But that’s ok. Many of you tried to find out the name of the company by matching the parameters. This process of learning was more important.
Public Provident Fund or PPF Account benefits are discussed in Hindi as per updated RBI Guidelines 2019. How to open a PPF account online or in Post Office, 10 years Interest Rate Chart, PPF Maturity Chart and other PPF rules regarding withdrawal, eligibility, maturity period etc. are discussed in detail. PPF account can be opened in a Post Office or an Authorized Bank like Bank of India, SBI, PNB, ICICI Bank, HDFC Bank, Axis Bank etc.
Demonetisation of ₹500 & ₹1000
Content
Need of the study
Introduction
In a bid to cut corruption, the Prime Minister of India, Mr. Narendra Modi has announced the ban on Rs. 1000 and Rs. 500 currency notes. What is being an unpredictable move by Modi, he announced during his special address to the nation that the currency notes of Rs. 500 and Rs. 1000 will be illegal starting mid night of 8th of November 2016. "Currency notes of Rs 1,000 and Rs 500 will be just paper with no value, " announced by PM Modi.
This move from the Indian Prime Minster is his strike against the ever increasing black money in our country. • While this announcement was met with shock and confusion by many, there are others who termed this as the Surgical Strike on Black Money. • Let us have a look at the reasons for the ban and how this can affect our economy going forward.
CONTINUED........• As the economy of India is cash based, such circulation of fake currency notes has become a menace. • So, to contain the increase in fake notes and black money, the scheme to ban Rs. 500 and Rs. 1000 currency notes has been introduced by the government.
These notes can now be exchanged for the same value of money at the RBI offices or at various bank and post offices.People can deposit their old currency till the 30th of December 2016 in their respective bank accounts. • Most of the ATMs across the nation are closed on the 9th and 10th of November and the withdrawal limit from the 11th of November is Rs. 2000 and the same would be increased to Rs. 4000 per day.
Continued….
CONTINUED…
What RBI and world bank says about Indian economy.!In the last two and a half years with the support of 125 crore Indians, India has become the “bright spot” in the global economy. It is not just we who are saying this; it is being stated by the International Monetary Fund and the World Bank.
Conclusion
Bibliography
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.
Wallet4Wealth delivering you a monthly news letter to manage your personal finance. In our previous issue we discussed about India being in a Sweet Spot! Amidst current Global disturbances, FIIs are looking at India as a safe zone for investments; our stringent trade policies and huge consumer base is an unsaid attraction for every investor. Hence most of the investment experts are bullish about Indian equity market.
However the key thing to understand here is - where to invest? It looks promising but costly, Energy & Infra looks cheaper and attractive, large Cap is safe but unable to create enough alpha (returns)...... so a perfect Asset Allocation is must to be followed by every investor. Read more about some SMART Mutual Fund schemes or categories which provides easy maneuvering between the Assets, Sectors and Securities.....
If you want to give any feedback you can suggest us in the comment box. Also do like and share to motivate us so that we will provide you latest information in our next newsletter. For more update visit our website https://wallet4wealth.com/
Thank you.
February 2015 Edition of BEACON, A Monthly Newsletter by SIMCON.
Inside this issue:
About Us
Our Team
INDUSTRY ANALYSIS : Real Estate Industry
COMPANY ANALYSIS : DLF
BRAND ANALYSIS : Coca Cola
Event Report: Guest Lecture on Behavioral Finance
Concept of the month
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
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
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.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
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
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 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
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 South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
The new type of smart, sustainable entrepreneurship and the next day | Europe...
Wealth creation through long term equity investment
1. Current expenses at the age of 30
Rs. 20,125
Future expense at the age of 60
Rs. 2,02,514
Inflation Impact on Household Expenses ( Excluding Health Care Expenses )
Income Impulsive buying &
indisciplined investment Financial stress after 60 years
Income Planned expenses & disciplined
investment
Life’s Most Biggest & Enjoyable Holiday
You will require 3,51,65,906 till 80 years to maintain your today’s life style
OR
2. Investment
Guaranteed Return Investment
Fixed Deposit
Post-office
scheme
EPF
PPF
Non-Guaranteed Return Investment
Equity
Mutual
Fund
Diversified
Equity Fund
Sectoral Equity
Fund
Stock
Market
Gold
Mutual
Fund
Physical
Form
Commodity
Mutual
Fund
Stock
Market
Real Estate Life Insurance
3. Bank Deposit – Not Bankable
Each depositor in a bank is insured upto a maximum of Rs.1,00,000 (Rupees One Lakh) for both principal and interest
amount held by him in the same capacity and same right as on the date of liquidation/cancellation of bank's license or
the date on which the scheme of amalgamation/merger/reconstruction comes into force.
.All funds held in the same type of ownership at the same bank are added together before deposit insurance is
determined. If the funds are in different types of ownership or are deposited into separate banks they would then be
separately insured.
Effective from Date Insurance Limit
1-Jan-68 Rs. 5,000/-
1-Apr-70 Rs.10,000/-
1-Jan-76 Rs. 20,000/-
1-Jul-80 Rs. 30,000/-
May 1, 1993. Rs. 1,00,000/-
http://www.dicgc.org.in/english/FD_A-GuideToDepositInsurance.html
http://www.dicgc.org.in/english/pdf/2007/AnnualrEnglish/Profile.pdf
As on 23.12.16 Indians have deposited Rs. 105.16 lakh cr. with banks. As on Dec 16 FII equity investment
was Rs. -10582.26 cr & DII equity investment was Rs. 35362.66 cr. In 2012 FII highest equity investment
was Rs. 101166.11 cr. We Indians have enough money to run our stock market. Can we imagine if we invest
10% of our bank deposit in equity market, then what will happen?
http://www.financialexpress.com/economy/non-food-credit-growth-hits-multi-year-low-of-5-3/497074/
moneycontrol.com
We, Indians, are very aggressive saver but very conservative investor.
4. Swiss banks may no longer be safe for those looking to park their ill-gotten wealth. This probably does not
concern you, but the safety of your valuables kept in domestic bank lockers should. In a dramatic heist earlier
this week, the perpetrators dug a tunnel leading to the locker room of a Punjab National Bank branch in
Sonepat, prised open 89 lockers, and decamped with the loot. Bank lockers may not be as secure as you think
they are. Besides, if the contents of your locker are stolen, you may not be eligible for compensation. The
Reserve Bank of India guidelines say that banks are not responsible for the contents of the lockers they rent,
though they are required to take precautions for their protection. Your valuables are also not insured. "A bank
does not have the ownership or knowledge of the contents of the locker. Hence, it does not have any
insurable interest in. According to Section 152 of the Indian Contract Act, a bank is not responsible for any loss
or damage to the contents of a locker. "The relationship between the bank and the locker customer is that of a
lessor and a lessee," says Narayan Raja, CEO, Banking Codes and Standards Board of India (BCSBI). However,
the National Consumer Disputes Redressal Commission (NCDRC) has rejected the argument that locker
customers are only tenants and, hence, banks cannot be held liable for any loss suffered by them. However, as
things stand, the law is loaded against the customer. He not only has to prove that the locker was robbed, but
also submit evidence to establish the extent of loss. The silver lining for customers is that if they are able to
prove that the loss or damage has occurred due to the negligence by the bank, they can claim compensation.
"If the negligence by the bank is proved, or a bank employee is found to be involved (in the theft), it becomes
a vicarious liability and the bank is liable to pay compensation," says Mumbai-based advocate V T
Gokhale. However, the compensation may not cover the full loss. Affected customers can also approach
consumer courts. In several cases, where negligence on the part of bank has been proved, courts have come
to the rescue of customers.
Your bank locker – Not properly locked
ET, 10/06/15
5. Priority Banking – Only emotional priority
Priority Banking or Privilege Banking is a relatively new term in the Indian banking context.
These customers are determined usually by the average balance they maintain with the
bank or based on the number of years they hold the banking relationship.
For most people, banking stops with depositing and withdrawing cash, opening fixed
deposits, operating the locker and maybe take demand drafts. Now, with the advent of
mobile banking, internet banking apps, the need for physical visits to bank branches is also
greatly reduced for the common man. In such a scenario, applying for a priority banking
account by paying a fee does not make much sense.
You have to maintain a minimum Average Monthly balance from Rs. 50,000 to few lakh
rupees.
Gold – Not Glittering
Let me give you some more information. The gold price was crashed in the international
market almost 3 times from $850 per ounce in January 1980 to $252 per ounce in August
1999. During this period, the Indian rupee became weaker almost 6 times from Rs.8.19 to
Rs.46.64 against $1 . This has pushed up the Indian gold price from Rs.3452 to Rs.4474
almost 3 times in Indian rupees.
As on march 2012 we hold around 20000 tones of gold which has a valuation of Rs.54 Lakh
Crore. If we switch 10% of it to equity market, then the equity market will get a inflow of
Rs. 5.40 Lakh Crore.
Myth - Gold price never fall
6. Policy SA Term Annual Premium Total Premium Maturity Gain Return
New Endowment Plan 1,00,000 35 2,881 1,00,835 2,49,000 1,48,165 4.84%
LIC’s New Jeevan Anand 1,00,000 35 3,165 1,10,775 2,81,000 1,70,225 4.97%
LIC's JEEVAN RAKSHAK 1,00,000 20 3,587 71,740 1,16,500 44,760 4.42%
LIC’s Jeevan Lakshya 1,00,000 25 4,366 1,09,150 1,90,000 80,850 7.75%
http://www.licindia.in/New_Endowment_Plan_benefits_illustration.html http://www.licindia.in/new_jeevan_anand_ben_illustration.html
http://www.licindia.in/LICs_Jeevan_Rakshak_benefits_illustrations.html http://www.licindia.in/LICs_JEEVAN_LAKSHYA_Benefits_illustrations.html
Life Insurance – Return Not Insure
Wealth creation not possible through Life Insurance
Life Insurance = Income Insurance
Protect your Income & family.
Online Term plans is cheaper than off line.
Example – 1 Crore Life Cover at less than Rs. 20 per day based on assumption of age 30
years and Term is 20 years .
7. Real Estate – Real Fact
The Times Of India Mumbai – 6/5/14
Over 7 lakh housing units are remain unsold in 8 major cities & it will take more than 3 years to absorb the
units. Housing sales dropped by 19% & new launches by 40% during jan-jun 15. FE – 5/8/15
8. Real Estate – Real Fact
If you go beyond the headlines and dig deeper, you will find that the return is not as spectacular as it appears. There was no
Sensex when Lincoln House was being leased to the US Consulate in 1957.But if we assume that it existed and extrapolate
the same 17.22% returns it has notched since its launch in 1980, an investment of `18 lakh would have grown to `1,809
crore by now. In absolute terms, the money would have grown more than 10,000 times. Investment in equity would have
given a 2.5-times higher return than real estate.
ET – 26/10/15 http://epaperbeta.timesofindia.com/Article.aspx?eid=31817&articlexml=GUEST-CORNER-Is-real-estate-
the-best-investment-26102015129023
The iconic Lincoln House in Mumbai was recently bought by in dustrialist Cyrus Poonawalla for `750 crore. The 50,000 sq. ft
property had been leased to the US government by Pratabsinhji Jhala, the Maharaja of Wankaner, for a sum of `18 lakh in
1957. In the past 58 years, its value has grown 4,000times at an annual growth rate of 15.45%. Most people infer that the
property has given astronomical returns. Has it?
9. Over 75% real estate projects non-starters: Assocham
Over 75 per cent of total 3,540 live projects with total outstanding investments worth over Rs 14
lakh crore attracted by the real estate sector across India remained non-starters as of financial
year 2014-15,” said an Assocham study.
As per the study, while over 2,300 projects in the realty sector remained non-starters, over
1,000 on-going projects have registered significant delays in completion.
With 964 projects, domestic private sector accounted for 95 per cent share in projects facing
delays, followed by public sector (49 projects) and foreign private companies (six projects), it
said.
“On an average, real estate projects in India are facing a delay of 33 months in completion,”
Assocham Secretary General D S Rawat said while releasing the report.
According to the study, realty projects in Andhra Pradesh are facing maximum delay of about 45
months followed by Madhya Pradesh (41 months), Telangana (40 months) and Punjab (38
months).
It said that Maharashtra alone accounts for over one-fifth share (21 per cent) in the total
outstanding investments attracted by real estate sector, followed by Uttar Pradesh (14 per cent),
Gujarat (13 per cent), Karnataka (12 per cent) and Haryana (8 per cent).
Tamil Nadu and Telangana accounted for over six per cent share each in terms of total
outstanding investments garnered by realty sector in the country.
Real Estate – Real Fact
FE – 23/10/15
10. 5687 630571
1966278
3263460 3491773 3663227
25342000
Inflated value of
100000
LIC FD PPF EPF Gold Sensex
Value of 100000 in different investments (from April 1979 to March 2016)
11. Do you want your return will be erode by tax & inflation?
Investment Rs. 1,00,000/- in 01/04/79 & pre, post inflation return as on 31/03/16
5.37%
8.63%
10.17% 10.37% 10.52%
16.62%
-2.35%
0.91%
2.45% 2.65% 2.80%
8.90%
LIC FD PPF EPF Gold Sensex
Pre inflation return Post inflation return
13. Category 1991 2010 Growth
Gold 3452 15756 456%
Silver 6761 25321 375%
Sensex 1167 17527 1502%
Commercial Property 1991 2010 Growth
Bangalore 700 11000 1471%
Delhi 4000 25000 525%
Mumbai 5000 35000 600%
Chennai 1800 10000 456%
Different Asset Class Growth
Times of India 27/2/10
14. What should I do in these 3 different situations?
Market is continuously
going down
I am worried.
Market is tremendously
volatile
I am confused.
Market is continuously
going up
I am happy .
Rebalancing
15. Which investment option is more profitable?
SIP or One Time
&
Invest & forget or Invest & Rebalance
Choice is yours
Investment date from
03/01/2000 to 09/03/2009
5,55,000 7,48,733
19,82,834
61,45,758
6.84% 24% 41%
Investment Index Normal Equity
SIP Value
Rebalancing SIP
Value
SIP Investment
Value Return%
1,00,000 ,1,51,818
4,24,294
47,17,711
4.75% 17.42% 53.45%
Investment Index Without
Rebalancing
Rebalancing
One Time Investment
Value Return%
The market may move up and down in
different situations, which is quite natural.
The main reason for rebalancing is to
protect the current equity valuation when
the market rise and buy equity when the
market fall based on the market conditions.
If you apply this strategy, you might
achieve your goal before the actual time.
Rebalancing your portfolio on a regular
basis maintains the desired return in your
investment strategy. It’s the ultimate art and
science of wealth creation.
17. The top 3 largest economies in 2050
Researcher No 1 economy No 2 economy No 3 economy
Citi Group India China US
PWC China India US
Goldman Sachs China US India
HSBC China US India
From the above table, we can say that the economic situation predicted by the
above companies is almost similar to that of 200 years ago situation.
19. Meaning of EQUITY
People have lot of misconception regarding EQUITY. But know the fact to gain confidence for
right conviction.
Equity = Nation’s Economic Development indicator.
Equity Investment = Wealth creation through taking part of the nation’s Economic Development.
If Economic development is high – Equity returns is also high.
If Economic development is low – Equity returns is also low.
If Economic development is volatile – Equity returns is also volatile.
Just like your income ( except govt. employee ), when economy performing well your income
rise and when economy not performing well your income also not rising.
Let’s take an example.
We are using toothpaste from childhood.
Like our self other people also using toothpaste from childhood.
Should your family stop using or use toothpaste in the future ?
Should other people also stop using or use toothpaste in the future ?
Do you think toothpaste demand will grow in the future ?
Do you think that there may be more toothpaste manufactures in the future ?
You may change brand but you will use toothpaste in the future.
Do you believe that you & other people will earn money & spend?
Be sure if equity market will not grow then your future income will be a question mark.
See the Economic Development Cycle in the next slide.
21. Equity Investment means MULTIPLY WEALTH through Economic Development
Equity Investment not risky but not investing in Equity is the riskiest
Job
Income
Investment
Return
Expenses
Consumption Service
Supply
Manufacture Service Provider
Demand
25. The world's largest, oldest, continuous civilization is India.
In her last 10000 years of history, India did not invade any country, but was attacked by different countries for her
wealth.
The number Zero was invented by Aryabhatta.
In 700BC the World's first university was established in Takshashila. More than 60 subjects from this university
were studied by more than 10,500 students from all over the world.
All the European languages originated from Sanskrit. According to Forbes magazine July 1987 report, Sanskrit is the
most understandable language for computer software.
Ayurveda is the earliest school of medicine. It was first consolidated by Charaka, the father of ayurveda medicine
2500 years ago.
India was the richest country on earth until 17th Century. Christopher Columbus was attracted by India's wealth.
India invented Algebra, Trigonometry and Calculus.
India also invented the game of Chess.
The time taken by earth to revolve around the sun has been calculated hundreds of years back by Indian
astrologer Bhaskaracharya.
In 1820, India was the second largest economy in the world with 16% of the world’s GDP, after China. And USA was
only 2% of world’s GDP.
In 1700, India’s GDP was almost 9 times higher than Britain’s GDP. Just before Indian Independence from British in
1947, the British GDP became 1.2 times higher than India.
26.
27.
28. Small Banks
The purpose of the small banks will be to provide a whole suite of basic banking products
such as deposits and supply of credit, but in a limited area of operation.
The objective for these Small Banks is to increase financial inclusion by provision of
savings vehicles to under-served and unserved sections of the population, supply of
credit to small farmers, micro and small industries, and other unorganised sector entities
through high technology-low cost operations.
Payments Banks
Objective of payments banks is to increase financial inclusion by providing small savings
accounts, payment/remittance services to migrant labour, low income households, small
businesses, other unorganised sector entities and other users by enabling high volume-
low value transactions in deposits and payments/remittance services in a secured
technology-driven environment.
Payments Banks can accept demand deposits (only current account and savings accounts).
They would initially be restricted to holding a maximum balance of Rs 100,000 per
customer. Based on performance, the RBI could enhance this limit.
The banks can offer payments and remittance services, issuance of prepaid payment
instruments, internet banking, functioning as business correspondent for other banks.
29. Tourism
Tourism
Aviation
Auto
Road &
Transport
Hotel
Construction &
Real Estate
Power
Banking
Health Care
Telecom
Foreign
Currency
Over all economic development for Tourism
Foreign Tourist Arrivals (FTAs)
FTAs during the Month of August 2015 were 5.89
lakh as compared to FTAs of 5.76 lakh during the
month of August 2014 and 4.86 lakh in August
2013. There has been a growth of 2.3% in August
2015 over August 2014.
FTAs during the period January- August 2015
were 50.68 lakh as compared to the FTAs of
48.51 lakh, showing a growth of 4.5%.
FEEs during the month of August 2015 were Rs
10,471 crore as compared to Rs 10,385 crore in
August 2014 and Rs 8,351 crore in August 2013.
The growth rate in FEEs in rupee terms during
August 2015 over August 2014 was 0.8%.
FEEs from tourism in rupee terms in January-
August 2015 were Rs 82,225 crore as compared to
the FEE of Rs 79,803 crore during January-August
2014, showing an increase of 3%.
Foreign Exchange Earnings (FEEs)
http://pib.nic.in/newsite/PrintRelease.aspx?relid=
126764, 9/9/15
30. Gold Monetisation Scheme
India is a huge importer of gold, the government, in a bid to reduce imports of the yellow metal, has
proposed the gold monetisation scheme that aims to bring domestically held gold into circulation by
encouraging individuals to get the metal melted, deposit it with banks and also earn interest on it.
The gold monetisation scheme is aimed to mobilise the surplus gold holdings held with Indian households
and institutions as deposits. Under the scheme, gold lying idle with people can be deposited in banks and
generate interest. The return from these deposits is totally tax free. The deposited gold will be melted and
make available for jewellers as raw material so as to restrict the increased dependence of imported gold
Since India is one of the biggest consumers of the yellow metal, the approved scheme will help the nation
unlock the gold kept in households and bring it in the investment platform for consumers benefit. The
scheme will be a big boost, reducing gold imports, in turn lowering the current account deficit.
Gold bond scheme
In sovereign gold bond scheme, instead of buying gold in physical form investors can park their money in
bonds which are backed by gold. The bond has more or equal advantage against the physical gold. The Bonds
will be issued on payment of money and would be linked to gold prices. The bonds will be issued by RBI on
behalf of the Government of India. It is restricted for Indian entities and the maximum allowable limit is 500
grams per person per year. The government will issue bonds with an appropriate rate of interest and which
shall be payable in terms of grams of gold. Banks/NBFCs/Post offices may be authorized to transact on these
bonds on behalf of the Government for a fee. The bonds will be available in various denominations and the
minimum tenor of the band could be around 5 to 7 years
More than 900 kgs gold mobilised so far. FE – 24.1.16
32. Japan offers loan at 1% rate for India’s $15 billion bullet train
Japan has offered to finance India’s first bullet train, estimated to cost $15 billion, at an interest
rate of less than 1%, officials said, stealing a march on China, which is bidding for other projects
on the world’s fourth-largest network.
Tokyo was picked to assess the feasibility of building the 505km corridor linking Mumbai with
Ahmedabad.
Last month, China won the contract to assess the feasibility of a high-speed train between Delhi
and Mumbai, a 1,200km route estimated to cost twice as much. No loan has yet been offered.
Indian Aviation Industry
India will be the third largest aviation market by 2020. The report, called “India Aviation
Report”, has been prepared by KPMG and Ficci. It claimed that with 81 million trips, India’s
domestic aviation market grew over 20.3% in 2015 — the highest ever growth rate recorded in
the world. In January 2016, the passenger growth was 22%. Indian carriers will require 1,610
aircraft over the next twenty years, European plane maker Airbus announced on Thursday in
its India market forecast. BS – 18.3.16
Air traffic up 22.45% in November 2016 to 89.66akh passengers. BS– 20.12.16
33. Cost effective health care treatment in $
Treatment India Thailand Singapore UK US
Heart Bypass Graft Surgery 6000 7894 10417 19700 23938
Heart Valve Replacement 8000 10000 12500 90000 200000
Angioplasty 11000 13000 13000 - 31000 to 70000
Hip Replacement 9000 12000 12000 - 22000 to 52000
Bone marrow transplant 30000 - - 150000 250000 to 400000
Liver Transplant 40000 to 69000 - - 200000 300000 to 500000
Neurosurgery 800 - - - 29000
Knee surgery 2000 to 4500 8000 - 12000 16000 to 20000
Cosmetic surgery 2000 3500 - 10000 20000
Why
India?
Low Cost
Less
Waiting
Time
World
Class
Quality
Personalized
services
Rich
Cultural
Heritage
Why Medical Tourism in India?
Indian medical tourism
industry will attract 32 lakhs
foreign patients and its value
will be Rs.10,800 crores by
2015 due to India’s world class
medical benefit and skilled
medical workforce.
India’s slogan for
Medical Tourism
"First World
treatment' at Third
World prices"
34. River linking project
The idea began as a scheme to link the Ganga and Cauveri in 1834 by Sir Arthur Cotton, the builder of the Godavari
and the Krishna dam. The project was initially expected to begin in 2007 and end by 2016 at an estimated cost of
Rs.5.6 lakh crores at 2002 prices. Himalayan component 14 link canals, Peninsular component 16 link canals, total
12000 kms of link canals.
Advantages – In 2050 approximate new 146 million hectares irrigated areas will be added; 30000 MW hydro power
will be generated; Flood and drought control will be done; Increase in domestic and industrial water supplies;
Navigation; Pollution control.
The Krishna-Godavari linking project is the India's first river linking project. The project cost Rs 1,300-crore. BS –
17/9/15
Kalpasar project
Kalpasar dam is in Gujrat. The approximate length is 30 kms, 100 metres wide, 10 lane road plus railway, reserver area
2000 sq.kms, reduction of distance Bhavnagar – Dahej 200 kms, Bhavnagar – South Gujrat 225 kms, 10.54 lakh
hectare land will be irrigated, solar and wind power, tourism, fisheries. As per 1998 cost was Rs.53000 crores.
Dedicated department is Kalpasar Department.
NSDC Project
In 2008-09 budget Finance Minister announced the formation of National Skill Development Council. The purpose of
this council to train 500 million people by 2022 to fill up the industry demand.
Financial Inclusion
Only 40% population have bank accounts. Government had taken initiative for banking facilities to all habitations that
have population of more than 1600 people. India has more than 600000 villages, towns and cities and only 30000
bank branches.
Banks have opened 20.19 crore accounts under the government's ambitious financial inclusion scheme Pradhan
Mantri Jan Dhan Yojana with deposit of more than 30,000 crore. More than half have activated their RuPay cards.
Daily transactions number increasing steadily to about 27 lakh, according to NPCI data. The average transaction value
is about 2,000. The ministry said Rupay cards have been issued to 16.51 crore customers and that two lakh accounts
are opened every day. The ministry statement also noted that zero balance accounts in PMJDY have declined from
76% in September 2014 to 36.5% in November 2015., the largest financial inclusion scheme in the world. Prime
Minister Narendra Modi had launched this ambitious scheme of financial inclusion on August 28, 2014. ET –
16/12/15, THBL – 22/1/16
35. Dedicated Freight Corridor project
This project was initiated on April 2005 and deadline was 2016-17. Eastern freight corridor project of 1839 kms from
Dancuni, West Bengal to Ludhiana, Punjab. Western Corridor of 1483 kms from J.N.P.T, Mumbai to Rewari, Hariyana.
The project will be connected to Pipavav, Mundra, and Kandla port in Gujrat. The project cost is Rs 81,459 cr. DFC will
be completed in phases between 2017 and 2019.
Feature Existing Dedicated Freight Corridor
Height
Container Stack
Train length
Train Load
Maximum Speed
Single Stack
7.1 m for Western DFC
5.1 m for Eastern DFC
Double Stack
36. Direct
Benefits
Transfer
Education
Health
Infrastructure
Welfare
Activity
Direct Benefits Transfer Fund Manager for EPF
Infrastructure Investment
India will invest Rs.50,00,000 crores for 12th
Five-year plan in Infrastructure from 2012-17.
From July 2008, EPFO had appointed private fund managers to
manage its member’s deposits. This contract will be renewed
after every three years. Before that, SBI was the only fund
manager since its inception 1952.
5 fund managers - SBI, HSBC AMC, Reliance Capital, ICICI
Securities Primary Dealership and UTI AMC– had been
appointed to manage the corpus of Rs 8.5 lakh crores as on Mar
15 for a three-year term, starting April 1, 2015..
Equity Investment by EPF
EPFO on 7/8/15 announced it will invest up to Rs 5,000 crore –
5% of its incremental deposits – in equity markets through
exchange traded funds. he money will be invested through
exchange traded funds (ETFs) and the limit for the current year
will be 5 per cent of the incremental deposits. EPFO funds will be
invested through SBI Nifty exchange-traded fund (ETF) and SBI
Sensex ETF managed by SBI Mutual Fund. Close to 75 per cent of
the funds will be invested in NSE ETF and the balance 25 per
cent in BSE ETF. The investment ratio may alter and EPFO may
also choose to invest in the government’s CPSE ETF. There is
scope of further increasing EPFO’s corpus to maximum 15%. As
the EPFO gets around Rs 1,00,000-1,20,000 crore as incremental
deposits every year, ETF investment can go up to Rs 15,000-
20,000 crore.
37. Metro Rail
City Length (KM) Cost in crores
Bangalore 93 26,383
Chennai 45 18,000
Delhi 190 30,571
Ahmadabad 219.45 12,000
Hyderabad 71.16 12,132
Jaipur 32.5 8,250
Kanpur 158 10,000
Kochi 27 6,000
Kolkata 125 25,000
Mumbai 149 36,000
Pune 100 30,000
New Pension System (NPS)
Government employees: New Pension Scheme has been made
compulsory for all the Central Government employees who had joined
the service on or after 1st Jan, 2004 (except armed force). 10% of the
salary and DA has to be contributed both by the employee and the
government. It has been regulated by the Pension Fund Regulatory and
Development Authority (PFRDA). In the year 2007-08, three sponsors –
LIC, SBI Mutual Fund and UTI Mutual Fund - were appointed to
manage the funds of NPS.
For all citizens: From 1st May 2009, NPS has been made available to all
Indian citizens. For non-government employees, there is no
contribution from the government. For all citizens, six pension fund
managers - SBI Pension Funds, UTI Retirement Solutions, IDFC Pension
Funds, ICICI Prudential Pension Funds, Kotak Mahindra Pension Fund
and Reliance Capital Pension Fund - had been appointed to manage
the fund. According to the NPS investment guideline, there will be
three asset classes – index equity fund, government securities and
bonds issued by institutions other than Central & State governments.
If the subscriber does not specify the percentage of asset allocation,
then his investment will be according to an automatic asset option.
This automatic asset option is based on the subscriber’s age. NPS
corpus including APY Rs.1,00,275 crores with more than 1 cores
subscribers as on 3/10/15.
Pradhan Mantri Jan Suraksha
In five months since launch, the Pradhan Mantri Jan Suraksha Yojana has 117 million policy holders. Launched on May
9, it has a term insurance scheme, the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), and an accident insurance
one, Pradhan Mantri Suraksha Bima Yojana (PMSBY).
http://www.business-standard.com/article/finance/pradhan-mantri-jan-suraksha-schemes-get-117-million-enrolments
115101600041_1.html
38. In future, we may get extra tax benefit for solar power, rain water harvesting, water
recycle, waste garbage recycle, credit card use.
Financial Literacy
Government is seriously thinking to introduce financial literacy in school level. So that the future investor will be fully
equipped with proper financial knowledge. The Pocket Money program is developed by NISM to teach basic financial
knowledge to school students from class 8 onwards. The National Centre for Financial Education (NCFE) is conducting
national level test “National Financial Literacy Assessment Test” (NCFE-NFLAT) for school students from classes 8 to 10.
The objective of NCFE is to create more awareness of financial literacy and inclusion in India in.
Digital India
Make in India
Make in India is an initiative of the Government of India to encourage multinational, as well as domestic, companies to
manufacture their products in India. It was launched by Prime Minister Narendra Modi on 25 September 2014. India
would emerge, after initiation of the programmed in 2015, as the top destination globally for foreign direct investment,
surpassing the People's Republic of China as well as the United States. The major objective behind the initiative is to
focus on job creation and skill enhancement in twenty-five sectors of the economy.
In an order to create participative, transparent and responsive government, Prime Minister Narendra Modi launched the
much ambitious 'Digital India' programme on Wednesday, July 1, at the Indira Gandhi Indoor Stadium in the national
capital. With the launch of Digital India programme, the government is taking a big step forward to transform the
country into a digitally empowered knowledge economy. Includes various schemes worth over Rs 1 lakh crore like Digital
Locker, e-eduction, e-health, e-sign and national scholarship portal. BharatNet in 11 states and Next Generation Network
(NGN), are also a part of Digital India campaign. The programme includes projects that aim to ensure that government
services are available to citizens electronically and people get benefit of the latest information and communication
technology. The Ministry of Communications and IT is the nodal agency to implement the programme.
39.
40. Wining Formula
Investing without knowing the details
OR
Knowledge Confidence Conviction
AND
Invest with knowing the details
The choice is yours
41. What people are saying about me?
Joydeep Sarkar, Account Manager, TCS BaNCS (Insurance Solution)
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services. The analysis and findings are very useful and derived based on tailored process and discussions. Biswajit also
provides recommendations that you could consult. Overall, quite satisfactory.
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Mr. Das is very detail oriented, knowledgeable person, who not only focuses on specific needs of different types of
customer but also educates customer on latest happenings in financial world. He tries to guide in a simple form of
translation, and he is very specific on what he is translating, sharing. This kind of service , something , hardly we get
from any financial planner institute.
Sourav Roychowdhury, Associate Manager at Accenture
Life’s Goal Planning is a very important decision in today's life. A proper planning can make life bit easy and stress free. But it’s
not that simple as it looks and never interests me that much. So I was looking for someone who is expert in this area but at the
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strongly recommend him for the work he does best.
Abhishek Majumder, Computer Programmer Analyst at Persistent Systems
Biswajit has two vital characteristics like sincerity and knowledge which are most essential in this finance world. Sometime, I
astonished to see how one man can so up to date about all news and fundamental things and not only that he always guides his
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work, it looked like I was sitting beside him and doing the initial paper work. Some of his strategies regarding Investment are
great and hard to find from any financial body. He is very particular to his Investor's needs and investment capacity and based
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