Showing posts from January, 2021

PSU Companies list in the Indian Equity Market

 PSU Companies list in the Indian Equity Market Generally, the contribution of Private Sector companies and its operations are greater than the participation of Public Sector(PSU) companies in the Indian Equity Market. While Public Sector companies can pay the Dividends to the Government regularly, those who consider only dividends can keep small allocation of these companies in their Stock Portfolio. It should also be noted that they do not gain much on Capital Appreciation in the long run. For a reasonable returns and healthy dividend, if you want to invest in Public Sector companies, there are more than 50 PSU companies in the Stock Market. Public Sector Companies are divided into Maharatna, Navaratna and Miniratna. Among the PSU listed on the Stock Exchange are 45 Central Public Sector(CPSE) Companies, 12 Public Sector Banks, one at the State level and one under the Other Category. In the PSU Banking Segment, all the public sector banks in India, including SBI, Canara Bank, Indian

India's CPI Retail inflation to 4.59 Percent in December 2020

 India's CPI Retail inflation to 4.59 Percent in December 2020 The Retail inflation is also known as the Consumer Price Index, ended lower than the market expectation in December Last year 2020. It is noteworthy that the RBI has a short term target of 2 to 6 Percent on Retail Inflation. The CPI Retail inflation has been out of control for the past several months, far beyond the Central bank's target. With Bank interest rates falling, the CPI inflation rate had caused some apprehension. But it ended unexpectedly in December 2020 at 4.59 Percent. Earlier it was 6.93 Percent in the month of November 2020. The above December inflation is said to be the lowest rate seen in the last 15 months. This is due to the low prices on Food items. The Food inflation which was 9.50 Percent earlier is now 3.41 Percent in December. Inflation in Pan, Tobacco and intoxicants were only slightly higher at 10.74 Percent. It was 3.21 Percent from 3.19 Percent for the Housing segment on Retail Inflation

Small Savings Scheme interest rates for the period - January to March 2021

 Small Savings Scheme interest rates for the period - January to March 2021  The Change of interest rates for the Small Savings Scheme in India were announced quarterly. Generally the Postal Office schemes and Bank deposits are come under the Small Savings scheme. It is noteworthy that the Central bank(Reserve Bank of India) has been lowering the interest rates on Bank deposits for the past few years. Interest rates on Small savings scheme for the Fourth quarter of the current Financial year 2020-21 have been announced. It is said that the interest rate will continue as the same declared in October - December 2020 quarter. So, it's unchanged on rates for the Q4FY21. For the Savings account, the interest rate is said to be about 4 Percent. However, it will vary from bank to bank. The One year Term Deposit rate comes with 5.5 Percent. For the Two years and Three years Term deposit, the rates are considered as 5.5 Percent.    It was about 6.7 Percent for the 5 Years Term Deposit savin

Should you buy SBI Life Insurance ? - Stock Fundamental Analysis

 Should you buy SBI Life Insurance ? - Stock Fundamental Analysis State Bank of India, the country's largest Public sector bank and also the 43rd Largest bank in the world. SBI Life Insurance is a joint venture between SBI and BNP Paribas, the French International banking group. BNP Paribas is the eighth largest bank globally in terms of Assets.  SBI Life was incorporated in the year 2000 and then registered with the IRDAI (Insurance Regulatory and Development Authority of India) in 2001. Now, State Bank of India owns 55 Percent stake in SBI Life Insurance and BNP Paribas with 5 Percent. It is noteworthy that the BNP held a 22 Percent stake in the SBI Life Insurance earlier. There are around 26 Percent of stake with the Foreign Institutional Investors(FII) in this Insurance listed company. SBI Life insurance operates its business in the Insurance Segment in India. The Company has about 17,000 employees and 1.5 Lakh Insurance agents. The services are provided in many Corporate house

What is your Margin of Safety - Personal Finance Lessons

What is your Margin of Safety - Personal Finance Lessons  The so-called 'Margin of Safety' is not  limited to stocks traded on the Stock Exchange. We need Safety and precautionary measures in the events we encounter on a regular day basis. As we approach Health and Economic issues, the question arises as to whether we have done this before. We have been hearing lines like 'Small drops make an Ocean', 'Prevention is better than Cure' for a long time. But in realty and practice, we fail to implement it and then get into trouble. Examine for yourself what your current status in the Following questions... If you or someone in your family has an unexpected Health or Financial problem, what is your immediate solution you have to overcome it ? If you are experiencing loss of a Job, what is your next Plan you have ? What is your Emergency Fund ? What is your 'All Time Prevention mode' Strategy ?  We have been saving in a single instrument for a long time and con