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Tanushree Jaiswal || In 2024, the global Electric Vehicles market is expected to earn around US$623.3 billion. This market is set to grow steadily, with an annual increase of 9.82% from 2024 to 2028, reaching US$906.7 billion by 2028. By then, it's predicted that 17.07 million electric vehicles will be sold, with the average price per vehicle being US$52.9k in 2024. In India, Electric Vehicle sales are expected to hit about 27.2 million units by 2032, growing at an impressive 35% annually from 2023 to 2032 under normal conditions. In 2023, I

Tanushree Jaiswal || Understanding and managing a company's financial health is key to long-term success. One crucial element is assessing the company's ability to meet short-term obligations. This is where the quick ratio, also known as the acid-test ratio, comes in. It's not just a theoretical concept but a practical tool that helps businesses evaluate their liquidity position and determine their capacity to pay off current liabilities using their most liquid assets. What is the Quick Ratio? The quick ratio is a financial metric that me

Tanushree Jaiswal || Understanding how stock prices are determined is crucial for investors and traders alike. Stock prices are the backbone of the stock market, reflecting a company's perceived value and influencing investment decisions. What Is a Stock Price? A stock price, also known as a share price, represents the amount an investor must pay to purchase a single share of a company's stock. It is not a fixed value but fluctuates based on market conditions. Generally, if a company is performing well and meeting or exceeding expectatio

Tanushree Jaiswal || In finance and accounting, understanding the difference between cash flow and fund flow is crucial for businesses and individuals. While related, these two concepts serve distinct purposes and provide unique insights into an organisation's financial health. This comprehensive guide will explain the differences between cash flow and fund flow in simple terms, making it easier for beginners to grasp these essential concepts. What Is Cash Flow? Cash flow represents the actual movement of cash (or cash-like assets) into a

Tanushree Jaiswal || ChatGPT can code your website. Another AI tool, Midjourney AI, can generate an image of Kareena Kapoor riding a bicycle just by responding to a prompt. AI tools are now doing things that were once hard to imagine. They're changing voices, analyzing documents, and potentially revolutionizing various industries. But can AI also pick your stocks? To find out this. A financial comparison site called finder.com conducted an experiment. They asked ChatGPT to create a stock portfolio following investment principles from reputab

Prakarsh Gagdani || Bucking media opposition, popular perception and Hillary Clinton’s campaign, Donald Trump has emerged as the 45th president of the United States of America. With Trump in the White House now, his agendas which formed basis for his win will have implications on India. These would result from his New Tax Plan, plans to bring jobs back to America, the Energy plan and his views on terrorism. The most prominent impact would be felt by the India IT companies as major portion of these companies’ revenues come from the outsourcin

Tanushree Jaiswal || JK papers share price movement of the Day Why JK Paper is in Buzz? JK Paper has garnered significant attention recently due to its robust financial performance & impressive returns on capital employed (ROCE). As prominent player in paper sector, JK Paper has demonstrated consistent growth & profitability, making it notable candidate for investment consideration. Should I Invest in JK Paper? & Why? 1. Strong ROCE Performance - JK Paper Boasts Return on Capital Employed (ROCE) of 20%,

Tanushree Jaiswal || Highlights 1- Birlasoft's financial performance has shown growth over the past year. 2- Birlasoft share price analysis indicates a bullish trend in the market. 3- Birlasoft's quarterly earnings report highlighted continuous profit growth. 4- Birlasoft's gains recently from ₹600 to ₹700 in June month. 5- For Birlasoft's stock analyst forecasts positive trends for the future. 6- Birlasoft is currently trading at ₹694.15, showing a 3.26% increase as of 11:54 am on the NSE. 7- Nifty IT index has seen a rise of 5.9

Tanushree Jaiswal || Sun TV share Price Movement of Day Highlights 1. Sun TV Network financial performance has shown significant growth over past year. 2. Sun TV share price analysis indicates bullish trend in market. 3. Sun TV quarterly earnings report highlighted significant profit growth. 4. Sun TV Network Ltd. gains for the third session in a row, rising 1.66%. 5. Sun TV Network stock forecast suggests positive trends for future. 6. Sun TV Network Ltd is currently trading at Rs 737.4, showing a 1.66% increase as of 12

Tanushree Jaiswal || IRCTC Share Price Movement of Day Highlights 1. IRCTC stock has surged following positive news about railway sector reforms. 2. Ashwini Vaishnaw, Railway Minister, ensures policy continuity & growth. 3. Railway sector stocks are gaining traction with investors eyeing long-term benefits. 4. Indian Railways infrastructure projects promise significant future growth & development. 5. IRCTC tour packages offer diverse travel options, boosting tourism revenues. 6. Railway stocks investment remai

Ruchit Jain || Nifty Prediction for 18th June In the week gone by, Nifty registered a new record high of 23490, but it consolidated in a narrow range throughout the week and volatility subsided post the elections results event as traders focused more on stock specific approach. Nifty closed just below 23500 with weekly gains of three-tenths of a percent. Our markets continued to march higher with new milestones seen post the recent election week volatility. In this upmove, FIIs have covered much of their short positions and added new

Ruchit Jain || Nifty started the weekly expiry day on a positive note just below the resistance of 23500. However, it was unable to surpass this hurdle and it consolidated within a range throughout the day to end around 23400. Nifty consolidated in a range as it traded around the resistance of 23500 and the lower time frame reading hinted at a time wise correction. However, the stock specific momentum was robust as the market breadth was positive and the midcap index outperformed to mark new record high. The broader trend for the Nifty r

Ruchit Jain || Nifty registered a new record high of 23441 in Wednesday’s session, but gave up most of the intraday gains towards the end, and closed around 23300 with marginal gains over previous session’s close. Nifty continued its positive momentum and marked a new high over 23400 mark, while the broader markets too kept the up move intact as buying interest was seen in stocks. The RSI has given a negative crossover in the end on the hourly charts of Nifty indicating possibility of some pullback move or consolidation in next few sessi

Tanushree Jaiswal || Nifty consolidated within a narrow range in Tuesday’s session and ended on a flat note. But the stock specific momentum was positive as the market breadth was healthy and hence the midcap index outperformed. The indices consolidated in a narrow range on Tuesday as the RSI readings on the lower time frame charts were in overbought zone, and gave a negative crossover which hinted at possible cool-off in the readings. Such overbought set-ups cool off either by a price wise dip or a time wise correction (consolidation).

Tanushree Jaiswal || Gone are the days when men were the sole breadwinners and women were expected to stay home and manage the household. Nowadays, men and women are equal both economically and socially. However, many women still depend on their husbands or fathers when it comes to investing or personal finance planning. Let's change that mindset. Here are 5 simple and practical personal finance tips every woman should know! Financial Planning Tips for Women Here are some key financial planning tips for women to help manage expenses be

Tanushree Jaiswal || A non-cumulative fixed deposit (non-cumulative FD) is a type of investment in which the Interest earned is paid out periodically rather than being compounded and reinvested. In this scheme, the investor receives regular interest payments at predetermined intervals, such as monthly, quarterly, semi-annually, or annually. What Is Non-Cumulative Fixed Deposit? A non-cumulative fixed deposit (non-cumulative FD) is a financial product offered by banks and financial institutions where the Interest earned on the deposited am

Tanushree Jaiswal || Investing in fixed deposits (FDs) is a popular choice among individuals seeking a safe and secure way to grow their savings. However, there are two distinct options for fixed deposits: cumulative and non-cumulative. Each type of fixed deposit offers unique features and benefits, catering to different financial goals and preferences. What is a Cumulative Fixed Deposit? A cumulative fixed deposit is a type of investment where the interest earned on the principal amount is not paid out periodically. Instead, the interest

Tanushree Jaiswal || Investing your hard-earned money can be daunting, especially when you want to protect your principal amount while also seeking potential growth opportunities. This is where capital protection funds come into play. These specialised investment vehicles are designed to balance preserving your initial investment and providing the chance for higher returns. What Are Capital Protection Funds? Capital protection funds, or structured financial instruments, are investment products that guarantee a specific minimum value at ma

Tanushree Jaiswal || Time is a critical factor in options trading that can significantly impact an option contract's value and potential profitability. One concept that options traders need to be familiar with is "time decay," which refers to the gradual erosion of an option's value as it expires. This phenomenon is a natural consequence of the time-sensitive nature of options and can significantly affect trading strategies and decision-making. What Is Time Decay? Time decay, also known as theta decay or theoretical erosion, is the rate a

5paisa Research Team || Nifty registered a new record of 22500 during last week, but it witnessed some profit booking at the start of this week and ended the day above 22300 with a loss of about three-fourths of a percent. In Monday’s session, our markets witnessed profit booking at the start of the week where the small cap index corrected by a couple of percent. As of now, this dip seems to be a correction within an uptrend as the technical indicators are still positive and the index is trading above its crucial supports. In the deriva

5paisa Research Team || Nifty started the first day of the week around 22400 and traded within a narrow range throughout the day. The index ended around the opening levels itself, thus forming a small ‘Doji’ candlestick pattern on the daily chart. After a time-wise corrective phase for about a month, our markets resumed positive momentum last week after the GDP data. The rollover in Nifty was in line with its 3-month average while the same was lower than average in the Bank Nifty. We witnessed a long formation on the first day of the ne

5paisa Research Team || Nifty started the week marginally negative and the index traded within a narrow range throughout the day. Amidst stock-specific momentum, Nifty ended the day above 22100 with a loss of less than half a percent. During last week, Nifty registered a new all-time high but momentum has been lacking since the midcap index has entered a consolidation phase. In Nifty, the recent up move has been because of some short covering and we have not seen significant long build-up. FIIs have reduced some of their net short posit

Tanushree Jaiswal || The Indian medicine industry is experiencing significant growth. It is projected to be worth $65 billion in 2024 and is expected to double, reaching $130 billion by 2030. India is already a bigger player in this field, with a current market value of $50 Billion. Exceptionally, India exports medicine to more than 200 countries worldwide. It supplies over 50% of the generic medicines required in Africa, nearly 40% of the generic medicines needed in the United States, and approximately 25% of all medicines used in the Unite

Tanushree Jaiswal || Investing in the stock market can be an exciting and rewarding journey. Still, it's essential to invest with caution and knowledge, especially when it comes to penny stocks. These low-priced and often speculative shares can offer attractive opportunities but also have inherent risks. Investing in dividend-paying penny stocks is one way to mitigate these risks and potentially generate steady returns. What are Dividend-Paying Penny Stocks? Dividend-paying penny stocks are shares of small companies that trade at very low

Tanushree Jaiswal || The sugar industry is a vital part of India's economy, making the country the second-largest sugar producer in the world after Brazil. Sugarcane contributes 1.1% to India's GDP, even though it grows on just 2.57% of the total cropped land. With an annual domestic demand of around 25 million tonnes, sugar is an essential commodity in India. The industry supports about 7.5% of the rural population, offering important job opportunities and playing a key role in the country's economic structure. The government offers various

Tanushree Jaiswal || The cloud computing revolution has changed how businesses work, offering more efficiency, scalability, and cost savings. India, known for its tech skills and innovation, is leading this digital shift. The Indian cloud service market is expected to grow to $13 billion by 2026, up from $2.8 billion in the first half of 2022. What Is Cloud Computing Stocks? Cloud computing stocks represent companies that provide a wide range of cloud-based services, including storage, computing power, software, and databases, delivered o

Sachin Gupta || Natural gas prices surged by 2.54%, closing at 234, driven by a confluence of factors including a recent decline in daily output and forecasts predicting hotter-than-normal weather for the latter half of June. These conditions are boosting demand expectations, particularly with rising gas flow to liquefied natural gas (LNG) export facilities, as the Freeport LNG plant in Texas resumes operations. Despite this uptick, exports remain below the peak levels recorded in December 2023 due to ongoing maintenance at several facilities.

Sachin Gupta || Gold prices have retreated from their recent record highs, experiencing a significant pullback over the last three trading sessions. The price of gold dropped from the all-time high of ₹74,442 per ten grams to a weekly low of ₹71,476 on the MCX exchange, marking a decline of 3.9% by Friday morning. The primary reason for this decline is attributed to investors engaging in profit booking. This trend was particularly notable following the release of the Federal Reserve's meeting minutes, which suggested a lack of confidence

Sachin Gupta || Copper prices have surged to record highs globally, driven by strong long-term trends and tightening supply. The metal has seen a significant rise on Wednesday and hit an all-time high in the market. So far in 2024, copper has experienced a substantial 19 percent increase. The London Metal Exchange (LME) reports copper trading at a two-year high, while markets in the CME, Shanghai, and India have all recorded unprecedented prices, bolstered by robust gains in April and May. The recent copper rally has been further fuel

Tanushree Jaiswal || Beginning in April 2024, the price of gold saw a notable increase, a pattern that continues to highlight the worth and enduring appeal of this precious metal. This spike can be linked to a number of variables that have come together to drive the demand for gold to unprecedented levels. Growing tensions in the Middle East have fueled concerns about geopolitical instability, leading investors to look to gold as a traditional safe haven. In addition, there is a rising expectation that interest rates will be lowered in the US,

Tanushree Jaiswal || According to a credit officer at the rating agency, structural reforms are required in India to improve its fiscal metrics, thus the country's membership in a major global bond index will not be sufficient for Moody's Ratings to upgrade it from the lowest investment grade. Christian de Guzman, senior vice president at Moody's Ratings, stated in an interview on Monday that "I don't necessarily think that bond market inclusion is going to be material addition to strengths that we already ascribed to government's ability to

Tanushree Jaiswal || NVIDIA's become 3rd largest company by market capitalization showcases its ability to anticipate and capitalize on emerging trends through innovative solutions, strategic partnerships, and a relentless pursuit of cutting-edge technologies across diverse sectors, positioning it as a tech industry leader. NVIDIA: A Brief History NVIDIA's beginnings can be traced back to 1993, when Jen-Hsun Huang, Chris Malachowsky, and Curtis Priem formed it. Initially focused on building GPUs for the growing game and professional graph

Tanushree Jaiswal || Thе top US stocks to buy are a wealthy invеstmеnt chancе for buyеrs worldwide and have thе potential for substantial gains. However, finding the best US stocks to buy now can be difficult, especially in the face of market instability and economic risks. In this article, we will rеviеw thе top US stocks to buy for your invеstmеnt portfolio and rеviеw thеir pеrformancе, growth prospеcts, and industry standing. Best US Stocks to Buy Now Applе Inc. (AAPL) The giant continues to rulе thе consumеr goods markеt with its n

Tanushree Jaiswal || The best US stocks to buy in 2024 include technology giants. The US stock market, commonly called the world's biggest and most liquid market, consists of various stocks in which an investor can take a stake to diversify their portfolio and improve returns. As the world economy recovers from the post-pandemic environment, finding the best US stocks to buy in 2024 has been a significant focus for Indian investors. This guide presents a detailed account of the best US stocks you can buy in the next year to offer exceptional re

Tanushree Jaiswal || Mutual funds have become an increasingly popular way for Indians to invest and grow their wealth. These investment vehicles offer a convenient and diversified approach to building a portfolio. The Indian Mutual Fund Industry's Average Assets Under Management (AAUM) reached a massive ₹58.60 trillion (₹58.60 lakh crore) in May 2024. This figure indicates the country's immense growth and popularity of mutual funds. As of May 31, 2024, the Indian mutual fund industry's Assets Under Management (AUM) amounted to a staggering ₹

Tanushree Jaiswal || Investing in mutual funds is often praised as a wise choice for building wealth and achieving financial goals. However, as with any investment, there comes a time when you may need to consider selling your mutual fund units. Knowing when to exit a mutual fund is just as crucial as deciding when to invest in one. Overview of Mutual Funds Before understanding the intricacies of selling mutual funds, it's important to understand what they are. Mutual funds are investment vehicles that pool money from numerous investors a

Tanushree Jaiswal || When it comes to building a solid financial future, one of the smartest strategies is to start investing early and stay invested consistently over a long period. This approach not only harnesses the power of compounding but also instils disciplined saving habits. In India, Systematic Investment Plans (SIPs) have emerged as a popular and convenient way to invest regularly in mutual funds, making it easier for individuals to achieve their long-term financial goals. What Is a Systematic Investment Plan (SIP)? A Systemati

Tanushree Jaiswal || Investing in mutual funds through Systematic Investment Plans (SIPs) is a smart strategy to build wealth over the long term. SIPs allow you to invest a fixed amount at regular intervals, making it easier to stay invested and benefit from rupee cost averaging. best sip investment plan for 10 years What is a Systematic Investment Plan (SIP)? A Systematic Investment Plan (SIP) is an investment approach that enables you to invest a predetermined amount in mutual funds at regular intervals, such as monthly or quarterly. I

Tanushree Jaiswal || The share allotment for the ixigo IPO will be finalized today (Thursday, June 13). Investors who have applied for the issue can check the status of their ixigo IPO allotment today on the BSE website or through the registrar's portal, Link Intime India Private Ltd. Here are two ways to check the ixigo IPO allotment status online. Check Ixigo IPO Allotment Status on BSE website This is a facility available to all mainboard IPOs, irrespective of who the registrar to the issue is. You can still access the allotment status

Tanushree Jaiswal || About the Sattrix Information Security IPO The stock of Sattrix Information Security has a face value of ₹10 per share and it is a fixed price issue. The price for the fixed price issue is set at ₹121 per share. Being a fixed price issue, the question of price discovery does not arise. The IPO of Sattrix Information Security has only a fresh issue component and no offer for sale (OFS) portion. While the fresh issue portion is EPS dilutive and equity dilutive, but OFS is just a transfer of ownership and hence it is not E

Tanushree Jaiswal || About the Magenta Lifecare IPO The stock of Magenta Lifecare has a face value of ₹10 per share and it is a fixed price issue. The price for the fixed price issue is set at ₹35 per share. Being a fixed price issue, the question of price discovery does not arise. The IPO of Magenta Lifecare has only a fresh issue component and no offer for sale (OFS) portion. While the fresh issue portion is EPS dilutive and equity dilutive, but OFS is just a transfer of ownership and hence it is not EPS or equity dilutive. As part of

Tanushree Jaiswal || About the Kronox Lab Sciences IPO The stock of Kronox Lab Sciences has a face value of ₹10 per share and it is a book building issue. The price band for book building is set in the range of ₹129 to ₹136 per share. The IPO of Kronox Lab Sciences will purely be an offer for sale (OFS) with no fresh issue component in the IPO. While a fresh issue tends to bring in fresh funds into the company, it is also EPS and equity dilutive. On the other hand, OFS is just a transfer of ownership. The offer for sale (OFS) portion of the

Tanushree Jaiswal || Virat Kohli & Anushka Sharma are poised to reap substantial returns following upcoming listing of insurance startup Go Digit. Having invested total of ₹2.5 Cr in company, their investment is expected to yield remarkable 271% return, translating to notional profit of ₹6.75 Cr. Kohli purchased 266,667 shares at ₹75 each, while Sharma acquired 66,667 shares for ₹50 lakh, both through private placement in January 2020. With Go Digit's IPO slated to hit market next week, IPO details & prospects shed light on potential wi

Tanushree Jaiswal || Who is Shankar Sharma? Renowned financial expert and seasoned investor Shankar Sharma is well-known in the Indian stock market. He was the managing director of First Global, a well-known financial services company, before founding the prestigious asset management firm GQuant Investech. Shankar Sharma is well-known for his television channel appearances and contributions to financial magazines. After earning his degree from Delhi's Indian Institute of Technology, Sharma started working as a stockbroker in the early 19

Tanushree Jaiswal || "India, a land of opportunities, boasts one of the world's most popular stock markets. Within its dynamic landscape, the stock market presents significant potential for wealth accumulation for those who navigate it skillfully. Yet, it's essential to acknowledge the inherent risks; only a select group of accomplished traders consistently achieve profits. So, who are these notable traders, and what secrets contribute to their success? Let's delve into the profiles of the top ten brokers in India, examining the characterist

Tanushree Jaiswal || "India, a land of opportunities, boasts one of the world's most popular stock markets. Within its dynamic landscape, the stock market presents significant potential for wealth accumulation for those who navigate it skilfully. Yet, it's essential to acknowledge the inherent risks; only a select group of accomplished traders consistently achieve profits. So, who are these notable traders, and what secrets contribute to their success? Let's delve into the profiles of the top ten brokers in India, examining the characteristi

Tanushree Jaiswal || When you invest in a mutual fund, you'll encounter two main options: Growth and IDCW. It's like choosing between two paths with unique benefits and considerations. What Is A Growth Option? Think of the Growth option as a patient, long-term strategy. When you choose this path, any profits earned by the mutual fund are automatically reinvested back into the fund. This means your investment keeps growing, like a snowball rolling down a hill, getting bigger and bigger with each turn. For example, you invest in a Growt

Tanushree Jaiswal || Elections and the Stock Market: What Indian Investors Need to Know If you're an investor in India, you've probably noticed the stock market can get a bit jittery around election time. With the next big Lok Sabha elections in 2024, let's discuss how elections influence the markets and what that means for your investments. Why Do Elections Move the Markets? At their core, elections create uncertainty, which makes stock market nervous. When a new government takes over or an incumbent party retains power, it can lead to

Tanushree Jaiswal || In the financial markets, where stocks, bonds, and other securities are traded, a group of individuals and firms known as market makers exist. These entities play an important role in ensuring the smooth functioning of the markets by acting as intermediaries between buyers and sellers. Market makers are essential for maintaining "liquidity" in the markets. Liquidity is how quickly and easily an asset can be bought or sold without greatly affecting its price. What is a Market Maker? A market maker is an individual or

Tanushree Jaiswal || In today's digital age, keeping your personal information up-to-date is crucial. The Aadhaar card, a unique identification document issued by the Unique Identification Authority of India (UIDAI), plays a vital role in various services and transactions. As life circumstances change, updating the details on your Aadhaar card becomes necessary. The Aadhaar update history feature allows you to track and verify all the changes made to your Aadhaar information, ensuring transparency and accuracy. What Is Aadhaar Update History

Tanushree Jaiswal || A Demat account is important for managing your securities and shares when Investing. As an investor, keeping track of your demat account balance is essential for staying informed about your investments and making well-informed decisions. What Is a Demat Account Balance? A Demat account balance is a comprehensive overview of all the securities, shares, and investments you currently hold in your dematerialised account. These can include stocks, bonds, mutual funds, and other financial instruments. Unlike a regular bank

Tanushree Jaiswal || Introduction In today's digital age, knowing how to protect a demat account from fraud is crucial. An electronic repository for retaining your securities, a demat account is susceptible to many forms of fraud and online threats. However, you can protect your demat account and lessen the risk of fraudulent actions by taking crucial precautions. First, ensure the depository participant (DP) you select to open your demat account with is respectable and well-established. Choose a DP with a proven track record in security

5paisa Research Team || Demat Account is almost like a bank account. Just like you hold funds in your bank account, you hold shares and other securities in the Demat Account. Having a Demat Account is mandatory for trading in equities as per SEBI regulations. How to open Demat Account? Demat Account can be opened online or offline. It is normally opened along with trading account (TCD) by the broker. Demat Account can be opened with any authorised depository participant (DP); which could be a bank or a broker. Here is how to open a Demat

A free demand account normally refers to an account that has zero account opening charges, which is mandated by SEBI. When you open a demat account, there are a number of costs you commit, including when the demat account is idle. Demat account charges apply to a plethora of services offered by the DP. The demat account is typically linked to a trading account on one side and a bank account on the other. Just like your demat account has certain in-built costs, your trading account also has costs. The only difference is that trading account c

Tanushree Jaiswal || Imagine you wake up excited to check the stock market, only to find a stock's price has mysteriously jumped (or plummeted) overnight! This sudden shift, leaving a blank space on the price chart, is called a "gap up" or "gap down." These gaps can be powerful investor sentiment indicators and offer clues for savvy traders. Understanding Gaps in Stock Market Trading: A gap is a price movement that occurs when the opening price of a security is significantly higher or lower than its previous closing price. This phenomenon

Tanushree Jaiswal || The stock market can be tricky, and futures and options are like special tools used for trading. These tools can help you make money but can also be risky, especially if you're just starting out. Many people lose money with futures and options because they don't understand them. What Are Futures and Options Trading? Futures and options are financial tools that get their value from another asset, like stocks, bonds, commodities, or currencies. A futures contract is an agreement to buy or sell an asset at a set price o

Tanushree Jaiswal || Various transactions occur in the stock market daily, ranging from small retail trades to large institutional deals. Bulk deals and block deals stand out as significant trading activities that can significantly impact stock prices and market dynamics. Understanding the differences between these two types of transactions is crucial for investors to make informed decisions and navigate the complexities of the stock market effectively. What Is A Bulk Deal? A bulk deal is a large-volume stock transaction executed through

Tanushree Jaiswal || If you are looking to maximise your returns and grow your wealth? Investing in the right plans can help you achieve your financial goals and secure a prosperous future. What is an Investment Plan? An investment plan is a strategic approach to allocating your funds across various financial instruments to achieve specific goals. It serves as a roadmap, guiding you through the process of selecting the right investments based on your risk tolerance, investment horizon, and expected returns. A well-crafted investment plan

Tanushree Jaiswal || Income tax refunds are widely anticipated by taxpayers because they provide financial comfort and can serve as a boost to savings or planned spending. However, delays in obtaining these returns can be aggravating. To better manage this, consider using tools like the income tax calculator to gain clarity on your tax obligations and potentially expedite the refund process. In this post, we will look at the most prevalent reasons for income tax refund delays and offer advice on dealing with them. We want to teach people what t

Tanushree Jaiswal || Income Tax Return (ITR) filing is a critical annual financial duty every taxpayer must handle. Understanding the complexities of this procedure is critical for those looking to meet their tax responsibilities while avoiding fines. To simplify this process, consider utilizing the income tax calculator as it can assist in comprehending your tax obligations more effectively. This detailed tutorial will cover the primary stages and critical factors for submitting your income tax return. This essay will simplify the process and

Tanushree Jaiswal || Income tax, a pivotal facet of India's economic architecture, is not merely a financial obligation but a crucial contributor to the nation's progress. Understanding the advantages of income tax and recognizing the benefits of paying taxes in India is imperative in fostering a responsible and informed citizenry. Taxes form the financial backbone of an economy. To better understand and manage your tax responsibilities, consider utilizing the income tax calculator. The benefits of income tax are multifaceted, ranging from p

Tanushree Jaiswal || Many of us have received income tax notices in the past. It can be intimidating at times, especially when one thinks that all the taxes have been paid properly and proper tax returns were filed on time. However, once we understand what such notices are in detail and how to respond to them, they may feel less intimidating. Income tax notices are basically communication from the Income Tax Department that makes it mandatory for you to act upon them in a certain manner. They are different from income tax intimation that may

Tanushree Jaiswal || In Parliament today, Finance Minister Nirmala Sitharaman presented the interim Union Budget for 2024-25. This is the sixth budget of the current government under Prime Minister Narendra Modi's second term. Since the elections are coming up, the usual budget has been replaced with an interim budget. In spite of the interim nature, FM Sitharaman has announced schemes and benefits that bring relief to the general public. In this year's budget, the theme is "Viksit Bharat Budget 2024," emphasizing Atmanirbhar Bharat. The fo

Tanushree Jaiswal || The Union Budget 2024-25, presented by Finance Minister Nirmala Sitharaman, holds crucial insights for investors & the economic landscape. Here are the key highlights: 1. Revised Fiscal Deficit a) The revised fiscal deficit for FY24 stands at 5.8% of GDP, emphasizing government's focus on managing its revenue & expenses. b) Projections indicate a reduction in fiscal deficit to 5.1% of GDP in FY25, with a target to further bring it below 4.5% in FY26. 2. Tax Slabs & Interim Budget a) No ch

Tanushree Jaiswal || Highlight of the Budget In a ground-breaking move aimed at fostering innovation, the Union Budget announces a Rs 1 lakh crore corpus dedicated to supporting research & innovation for the tech-savvy youth. This corpus comes with a 50-year interest-free loan, offering a significant boost to the private sector's research & innovation efforts in emerging domains. What It Means? The establishment of this substantial corpus signifies a commitment to creating a conducive environment for technological advancement.

Tanushree Jaiswal || Well the budget 24 has been disclosed and the primary focus has been set on ‘Railways’, lets dig in tis blog to find out what’s fruitful is in this action. In significant move towards enhancing connectivity & fostering economic growth, Finance Minister Nirmala Sitharaman has announced implementation of three major Railway economic corridors under PM Gati Shakti initiative. These corridors—energy, mineral & cement; port connectivity; & high traffic density—aim to revolutionize multi-modal connectivity, improvi

Tanushree Jaiswal || Purchasing a car in India is often considered to be one of the most important life decisions, second only to purchasing a home. With the explosion of new-age technologies, prospective car buyers are looking to buy the fanciest, most advanced car at the most competitive prices. Of course, in this journey, choosing the right car loan is critical. Small variations in the interest rate can tally up to a big amount in the long run. Naturally, car buyers are always on the lookout for the best loan product while simultaneously

Tanushree Jaiswal || Introduction to Personal Loans in India Personal loans are mostly always unsecured and therefore have been one of the biggest growth engines for the asset books of Indian banks (especially for private banks) over the last few years. While trying to entice customers to take their personal loans, banks normally throw in incentives like pre-approved loans, minimal documentation loans, and automatic top-ups as sweeteners. Personal loans may look simple and attractive, but before availing of one, individuals must do some b

Tanushree Jaiswal || Securing your family's future is one of our most important responsibilities. While several insurance providers offer life insurance plans, the Postal Life Insurance (PLI) scheme is a reliable and affordable option, especially for government and semi-government employees in India. This unique insurance scheme, introduced in 1884, has provided financial security to countless families for over a century. What is Postal Life Insurance (PLI)? Postal Life Insurance (PLI) is a life insurance scheme provided by the Department

Tanushree Jaiswal || The world is changing, and it is essential to explore investment opportunities that provide financial security and growth potential. Unit-Linked Insurance Plans, commonly known as ULIPs, have become popular for individuals seeking life insurance protection and investment growth. What Is a ULIP? A ULIP (Unit-Linked Insurance Plan) is a unique financial instrument that combines the benefits of life insurance coverage and investment opportunities. With a ULIP, a portion of your premium is allocated towards providing life

Tanushree Jaiswal || Endowment plans are insurance policies that provide financial security and guaranteed returns over a specific period. These plans are an excellent choice for individuals looking to save for their future financial goals while ensuring protection for their loved ones. What are Endowment Plans? An endowment plan is a life insurance policy that combines insurance coverage and savings. It allows policyholders to pay premiums over a fixed period, known as the premium payment term. At the end of the policy term, the policyho

Tanushree Jaiswal || Health insurance is a crucial financial tool that provides protection against unexpected medical expenses. In today's world, where healthcare costs are soaring, having a comprehensive health insurance plan can save you from financial burdens and ensure you receive quality medical care when needed. What are Health Insurance Plans? Health insurance plans cover a portion of an individual's medical expenses. These plans typically cover hospitalisation costs, pre and post-hospitalisation expenses, ambulance charges, doctor

Tanushree Jaiswal || The world is changing rapidly, and corporations, organisations, and governments often need expert guidance to understand complex financial transactions and make sound investment decisions. This is where investment banking comes into play. It provides specialised services to facilitate major deals, mergers, acquisitions, and capital-raising activities. What is Investment Banking? Investment banking is a specialised field within the financial services industry that primarily assists large organisations, corporations, a

Tanushree Jaiswal || Many Indians cherish the dream of owning a home, but it often comes with a significant financial burden. Fortunately, home loans offer a viable solution, enabling individuals to turn their homeownership aspirations into reality by spreading the cost over an extended period. What Is a Home Loan? A home loan, also known as a housing loan or a mortgage, is a type of loan provided by banks and financial institutions to individuals to purchase a residential property. It involves borrowing a substantial sum from the lender,

Tanushree Jaiswal || Fixed deposits (FDs) are a popular investment choice in India, offering a safe way to grow your savings with guaranteed returns. However, there may be situations where you need access to your money before the maturity date of your FD. This process is known as premature withdrawal, and it's essential to understand its implications. What Is Premature Withdrawal Of Fixed Deposit? Premature withdrawal refers to withdrawing funds from a fixed deposit account before maturity. Fixed deposits typically have a lock-in period,

Tanushree Jaiswal || Investing in fixed deposits is a popular choice among individuals seeking a safe and secure way to grow their savings. A fixed deposit receipt, often called an FD receipt, is a crucial document that serves as evidence of your investment and outlines the terms and conditions associated with your fixed deposit account. What Is A Fixed Deposit Receipt? A fixed deposit receipt (FD receipt) is a document issued by the bank or financial institution where you have opened your fixed deposit account. It is a formal record of y