Buying insurance cover with home loan is not mandatory. But still, banks “insist” the borrower to avail this facility. What one must do? If buying insurance cover with home loan is not mandatory, then why the lender (banks) insist on it? There are banks who may not even accept the home loan application without insurance…
It is necessary for people to file ITR even if tax liability is zero? The answer is No. A person whose taxable income is below a limit, can avoid income tax return filing. Such people can file IT returns voluntarily. What is the limit below which, filing ITR becomes a voluntary requirement? When taxable income…
Mostly it is the business men who become richer than others. But how can a salaried person become rich? Smart business men tend to become rich more frequently than salaried people. Yes, the keyword to become rich is “smart”. One need to handle ones paycheck (income) smartly. Smart and rich business men tend to handle their…
GOI has announced a pension scheme called “Pradhan Mantri Vaya Vandana Yojana (PMVVY)” for retired people above 60 years of age. PMVVY scheme was made available for sale since 4th-May’2017. It will remain available for sale only till 31st-Mar’2020. Only LIC of India has the sole right to operate PMVVY. One can buy online the…
In this article we will try to discuss all about investment. We will not focus on jargons. Instead, we will try to answer simple questions related to investment. But before that, lets brush-up an important basic about investment. There is a concept in investment, which categorise “all investors” into 2 types. Owners & Lenders As…
Goodyear India share price is trading at attractive levels? Lets do a fundamental analysis of it. Goodyear is basically brand which originated in USA. Charles Goodyear was the person who discovered the process of vulcanisation of rubber in 1839. Ford’s Model-T was the first car manufactured for mass public in USA in 1908. This car…
J Kumar Infraprojects share price has been in doldrums since last 2-3 quarters. J Kumar Infraprojects started its operations around in year 1980’s. In those days they used to maintain buildings of PWD. In a course of time, they registered themselves as full fledged civil contractor of PWD. This gave them orders for construction of…
Mahindra & Mahindra share price has seen only a 2% correction since beginning of May’18. So in terms of price fall, it is not attracting attention. But its business fundamentals looks very decent. Mahindra and Mahindra lies among the Top 30 stocks in term of its market capitalisation. Such huge stocks does not generally trade…
In this article, you can read an interesting study done on Small Cap mutual funds. Why small cap funds? Because it is a new exploration for me. I personally prefer to invest in stocks of big established companies. Why? Because such companies are less risky. They have a proven track record which makes them comparatively safer. But…
Since Feb’2018 Bajaj Auto share price has fallen from Rs.3,200 to Rs.2,760 levels. This is a fall of nearly 13.7% in span of just 3 months. Bajaj Auto is currently ranked among the Top 40 highest market cap stocks in India. When such a huge stock’s price falls by 13.7% in such a short time,…
Vakrangee share price was at Rs.85 levels on Jan’16. By Jan’18 (in 2 years), it price moved up to Rs.505 levels. This was a CAGR growth of 143.7%. But ever since Jan’18, its price is only falling. By end of April’18 it price has touched a bottom of Rs.100 per share. This price fall was…
Let me give you the answer straight away. There is no way one can build or improve credit score without debt. Though there is a small compromise possible. But I will disclose it at the end of this article. But before that allow me to share my concept about “credit score” first. I know, you started to…
