Author Archive

CERSAI and Equitable Mortgage Registration

CERSAI, SARFAESI Act, Charge, security interest, banks, equitable mortgage, hypothecation, Central Registry of Securitization, Asset Reconstruction and Security Interest of India, public data base,
CERSAI – The Central Registry of Securitization, Asset Reconstruction and Security Interest of India – is a company set up under the provisions of SARFAESI Act, 2002.  It was incorporated in March 2011 as a Section 25
10 Mar 19 Author CategoryBank Loans- General, Everything About No Comment Read More

7 Reasons That Make Mutual Fund a Good Investment Option

Good Investment Option, mutual fund, MF, scheme, investment, feature, easiness , liquidity, lump sum, SIP, ETF, ELSS, debt scheme, equity scheme, hybrid, solution oriented, redemption, inflation, return, WPI, CPI, TER, Transparency, portfolio
The purpose of any investment is reinforcing financial independence.  To ensure it , the investment instrument should exhibit essential features like easiness in investment, multiple options for investments, inflation beating return, easy  liquidity,  transparency in end use
9 Mar 19 Author CategoryInvestment Guide, Mutual Fund No Comment Read More

Familiarity Bias in Investment

Familiarity bias, investing, financial asset, investment instrument, comfort zone, diversification, behavioral bias
Investment involves picking up the most suitable instrument capable of generating income over a period. As investing is a process of acquiring a financial asset by parting the hard earned money,   the investment decision is always
8 Mar 19 Author CategoryInvestment Guide, Quick Reference No Comment Read More

Investment By Women – Thoughts On International Women’s Day

Investment By Women, mutual fund, ELSS, NPS, NSC, SB account, bank deposit, power of women, IWD, International Women’s Day, SB account for women, mutual fund, saver, investor, investment pattern , woman, women, investment
The power of women and potential of investment by women in India are under utilised.  Among 130 countries, India ranks 120 in female labour force participation rate.  Contribution of women towards GDP is just 17%, less than
7 Mar 19 Author CategoryIndian Economy, Investment Guide No Comment Read More

Why Should An Earning Woman Invest?

Earning woman, financial independence, life goal, retirement corpus, emergency fund, exigencies, better investor, women, investment
India is a multifaceted country and since times immemorial, women in the country preferred to remain confined to home. It was never a choice; rather the social circumstances compelled them to remain indoors.  The society as a
6 Mar 19 Author CategoryIndian Economy, Investment Guide No Comment Read More

Now Is the Right Time For Home Loan Borrowers-Ignore Interest Rate Directions

Home loan, interest rate, housing loan, asset, inflation, RBI, monetary plicy, repo rate, fixed rate, floating rate, tenure, direction, asset price, cost of borrowing, external bench mark , Bank
Borrowers, especially home loan borrowers, were glad to hear the reduction in repo rate from 6.5% to 6.25% announced by the Reserve Bank of India on February 6, 2019. The reduction in the benchmark rate came as
20 Feb 19 Author CategoryHousing Loan No Comment Read More

AvendusIndia ESG Fund- India’s First responsible investment fund

AvendusIndia ESG Fund, Avendus, ESG portfolio, IiAS, ESG rating model, NIFTY 100, under Sustainable Responsible Investing, first ESG fund, India, Institutional Investor Advisory Services, ESG criteria, ESG score card, ESG framework, Corporate governance, environmental, social, governance
AvendusIndia ESG Fund has become the first ESG (Environmental, Social and Governance) Fund launched in India. Among the emerging Asia countries, India was the only country not having any ESG fund.  The ESG fund is launched by
13 Feb 19 Author CategoryOther Investments No Comment Read More

Environmental, Social and Governance Criteria or ESG Investing

ESG investing, ESG, investment, criteria, standard, ETF, Environmental, social, governance, fund, corporate governance, ethical, sustainable, Sustainable investing, responsible investing, impact investing, ESG score,
ESG criteria is a fast emerging idea that influences the investment decisions of a socially conscious investor. ESG stands for Environmental, social and governance. ESG funds are portfolios of equities and/or bonds for which environmental, social and
12 Feb 19 Author CategoryEverything About, Other Investments No Comment Read More

Banking Functions and Economic Importance of Banks

Banking function, definition, objective, functions, economy, importance, saving, credit, financial inclusion, industry, agriculture, employment, Bank, Banking
Bank is a financial institution that facilitates transfer of money from one person or business to another person or business. Basically it is an institution for keeping, lending, transferring and exchanging money. Banks lend money that they
9 Feb 19 Author CategoryBanking Terms, Indian Economy No Comment Read More

Banking Sector- True Corporate Governance is the Only Way Out

Corporate governance, valuation, market, premium, goal, gain, board, ethics, principle, NSE,
A recent research paper by the National Stock Exchange (NSE) on Corporate Governance and market valuation concludes that better corporate governance practices elicit premium valuation. This article is the third one in the Corporate Governance and real
1 Feb 19 Author CategoryBanking Awareness, Banking News No Comment Read More