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  • Investing: Click to invest in NPS | The Financial Express
    up to 50 of the contribution can be invested in equities and the rest between corporate and government debt paper The biggest benefit for individual tax payers was in 2015 Budget as the government allowed tax benefit on investment of up to R50 000 in a year under Section 80CCD which is over and above the benefit available on R 1 5 lakh under Section 80C However the government has not made investments in NPS tax free at the time of withdrawal While the investments and interest accumulations will not be taxed the money would be taxable at the time of withdrawal However products like PPF and EPF are tax exempt at all the three stages investment accumulation and withdrawal Partial final withdrawal Subscribers of NPS Tier 1 account can now make partial withdrawal of up to 25 of contributions for certain specified circumstances after 10 years of being in the scheme The partial withdrawal can be done for children s higher education or marriage construction or purchase of first house and treatment of critical illness for self spouse children or dependent parents However partial withdrawal won t be allowed for buying a second property A subscriber can withdraw from NPS only three times during the entire tenure and the gap between each withdrawal has to be at least five years Partial withdrawal makes NPS attractive as many investors stayed away from it because of liquidity issues Subscribers of Tier II account can withdraw the accumulated wealth either in full or part at any time and there will be no limit on such withdrawals till the account has sufficient amount of accumulated pension wealth to take care of the applicable charges After retirement a subscriber can withdraw 60 of the corpus and buy annuity from the rest 40 of the accumulated corpus If the accumulated pension wealth of the subscriber is less than R2 lakh he will have the option to withdraw the entire accumulated pension wealth without buying any annuity If the subscriber dies before 60 the accumulated pension wealth will be paid to the nominee or the legal heir There will not be any condition of mandatory purchase of annuity or monthly pension However the nominee of the deceased subscriber will have the option to purchase any of the annuities being offered by empanelled life insurers with PFRDA Once an annuity is purchased cancellation and re investment with another annuity service provider or in another annuity scheme will not be allowed unless it is done within the free look period The pension regulator has also given the option of a default annuity provider and annuity scheme for the benefit of subscribers exiting from NPS First Published on February 2 2016 12 08 am Tags National Pension System Please Wait while comments are loading More on this story NPS corpus swells to Rs 90 327 crore with 1 15 crore subscribers NRIs can invest in National Pension System PFRDA National Pension System Move over intermediaries here comes the portal

    Original URL path: http://www.financialexpress.com/article/personal-finance/investing-click-to-invest-in-nps/205478/ (2016-02-08)
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  • Saikat Neogi | The Financial Express
    at a slower clip in the 3 months to June it is still the world s fastest growing economy In the first 6 months of CY2015 Why it is not advisable to time the market amid volatility As equities go through a volatile phase it s tempting to time the market Why it s not advisable Mutual Funds Why risk averse investors should opt for debt funds Debt funds are an ideal investment option for risk averse investors Here s why Volatility would impact decision making of retail investors While the market may remain volatile in the near term it will deliver good returns in the long run Retail investors should participate in the growth story by investing in equities Here is a list of right add on covers for motor insurance Buying the right add ons could help you get the maximum benefit from motor insurance policy Insurance Insure gift for sister Insurance focused FD for Raksha Bandhan will take care of premiums for PMSBY PMJJBY for 10 years RBI monetary policy review Slower transmission by banks a hurdle for Raghuram Rajan Between January and July this year while the central bank has reduced the repo rate by 75 basis points bps banks have reduced their base rate by only 30 bps With gold prices falling few tips on when to invest in it Analysts suggest investors should purchase the metal in a staggered manner rather than buying all the desired purchases at one go 1 2 3 Editor s Pick How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note From Real Madrid to Chelsea Know the top 10 richest clubs New Mahindra cars at the Delhi Auto Expo 2016 Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed In the news PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 India s biotech moment A made in India Zika virus vaccine Sanam Teri Kasam collections at Rs 1 25 cr Valentine s Day booster shot missing New Mahindra cars at the Delhi Auto Expo 2016 From Real Madrid to Chelsea Know the top 10 richest clubs Earthquake in Taiwan Magnitude 6 4 quake kills 14 over 100 missing scores injured in Tainan Real Madrid s Cristiano Ronaldo 31 soccer star and entrepreneur All you need to know in 8 slides How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note International Fleet Review 2016 President Pranab Mukherjee reviews naval fleet Asteroid TX68 to pass by Earth on March 5 at 9 000 17 000 km distance NASA Earthquake in Nepal 5 5 magnitude quake injures 15 tremors rock Bihar too Horoscope By Peter Vidal

    Original URL path: http://www.financialexpress.com/author/saikat-neogi/ (2016-02-08)
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  • CreditVidya | The Financial Express
    lend you and employers willing to hire you Home loan co signing 5 tips on being financially faithless In this dog eat dog world if you have agreed to co sign a loan with somebody you are incredibly generous But if you have done so purely because you have been swayed by emotions stop right now Your money 4 top ways to boost CIBIL score You are no stranger to the fact that it is essential for you to maintain a high CIBIL score to have access to loans when you need them Your money and stock market crashes 5 steps to save yourself from panic attack The stock markets crashed on manic Monday as China s economy continued to stutter and the resultant global sell off reached Indian shores too On Facebook Linkedin and Twitter 3 facts that can destroy your money life Banks are updating themselves in understanding that there is so much more to people than just their past repayment history Money power Make finance your cup of tea in 6 easy steps Finance not your cup of tea Gain money power in 6 easy steps Retirement planning for women 5 must know facts Women work very hard all through their lives Nothing is easy and as time passes things get progressively worse with age physically and financially How to save smartly 10 tips to get you started Money saved is money earned Make this your mantra in 2015 and as far as your financial life is concerned you cannot go wrong Debt trap 5 quick fix solutions that don t work When you are drowning in debt you are likely to be desperate to find quick fix solutions to stay afloat and retain your creditworthiness How to do a financial clean up in 7 easy steps Financial cleaning is one thing that has to be done proactively Check out these seven tips to clean up your finances and become a pro at managing money How to get your credit score from CIBIL 6 steps to financial relief While your paperwork may have been perfect the one factor that could squash your dreams is a poor CIBIL score and report 1 2 3 Editor s Pick How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note From Real Madrid to Chelsea Know the top 10 richest clubs New Mahindra cars at the Delhi Auto Expo 2016 Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed In the news PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 India s biotech moment A made in India Zika virus vaccine Sanam Teri Kasam collections at Rs 1 25 cr Valentine s Day booster

    Original URL path: http://www.financialexpress.com/author/creditvidya/ (2016-02-08)
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  • A loan guarantee could harm your CIBIL Score | The Financial Express
    about a default or delayed payment by the principal borrower The guarantor is not informed when the borrower defaults on a payment the first four times after that a legal notice is sent to the both the borrower and guarantor thus giving the guarantor very little breathing space When you guarantee a loan it becomes linked to your CIBIL score just like any default that may occur on a loan taken by you any default on a loan for which you are a guarantor will reflect in your CIBIL Report Each delayed and missed payment will be reflected both in the borrower s and guarantor s CIBIL Report If the loan that you have guaranteed is settled with partial payments that also it does not augur well for you CIBIL score Guaranteeing a loan also reduces your borrowing capacity Just like your own loan you are responsible for the guaranteed loan which limits your capacity to borrow further If there is a default on the guaranteed loan due to which you re CIBIL score is impacted negatively you might find it difficult to get a fresh loan due to poor CIBIL score To Guarantee a Loan or Not There is no clear yes or no answer on this This will be determined by your own financial situation how well you know the person whose loan you are guaranteeing his credit worthiness type of loan etc In case of secured loans the lender has the option of liquidating the asset to make the recovery so the guarantor s liability is limited There may be a negative impact on your CIBIL score but you may not be asked to repay the loan If you know the borrower well and are sure of his her intentions and ability to repay then you could guarantee a loan Apart from that get a reality check about your own financial condition are you in a position to pay in the event of a default Do not consider guaranteeing a loan if you are planning to take a huge loan in the near future or do not know the borrower well Guaranteeing a loan could be life saver in some conditions If a person applies for a loan and due to some reason low income or a not so good CIBIL score the loan is rejected guarantee by the spouse father son could help the person secure a loan Any financial decision requires that you think about it and its long term impact Guaranteeing a loan is not different so understand the full implications and responsibility of being a guarantor before you choose to become one By CreditVidya First Published on January 29 2016 5 06 pm Tags Cibil Score Please Wait while comments are loading More on this story CIBIL score Top 5 tips for a newbie job holder Read your CIBIL report like a pro Top 5 tips to know How to keep your CIBIL score of 750 Top 5 points to know Calculators Tax

    Original URL path: http://www.financialexpress.com/article/personal-finance/a-loan-guarantee-could-harm-your-cibil-score/203949/ (2016-02-08)
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  • Residential Real Estate: Learn from 2015 to invest in 2016 | The Financial Express
    background check of the developer and extensive research about the project in terms of whether or not the various statutory permissions have been obtained its location etc If there is the slightest reason for doubt expert guidance is a must to avoid getting trapped in the wrong project In the case of under construction projects establishing a developer s cash flows is more important than anticipating ROI The recent slump in the realty market has squeezed liquidity out of the system and further limited the ability of developers to build more projects or sell out the existing ones with ease In other words the a developer s ability to fund a certain project to completion is a more important factor to scrutinize than how much profit one can rake in from investing in the project Investment in the realty sector always involves risk there is never a guarantee of assured returns It is important for every investor to assess their resilience to and preparedness for risk For end users there is no such thing as timing the market because for buyers looking for a home for personal use there is no right or wrong time In fact it is a buyer s market right now However if one plans to enter the market as an investor looking for healthy returns then it makes sense to time one s entry The choice between opting for a wait and watch approach and an immediate entry must depend on how conducive the overall market is The most important thing is not liquidity but actual need In other words the first step must be to understand whether the identified property actually has exactly what one is looking for or if it exceeds or falls short of those requirements This applies equally to investors and end users Investors must look beyond the obvious While mature markets might be safe bets upcoming markets are where the action is and are key to earning better returns End users must do a rent vs buy analysis The current employment market in the country suggests frequent movement of employees across cities In such a scenario compromising one s job for real estate concerns may not make a lot of sense Buying property in one s home town and renting it out while personally living on rent in one s city of employment should be seriously considered For end users understanding capital appreciation is important If one is planning to invest in property with a loan studying the identified market s performance in previous years as well as the future potential is critical The performance of the rental market should not be ignored either Situations where one s outgo on interest or maintenance on a property is more than the generated income must be avoided Recommended markets to invest in Noida Greater Noida National Capital Region NCR Thane Mumbai Metropolitan Region MMR Navi Mumbai Mumbai Metropolitan Region MMR Whitefield Bangalore Viman Nagar and Nagar Road Pune Kochi Kerala Ashwinder Raj

    Original URL path: http://www.financialexpress.com/article/personal-finance/residential-real-estate-learn-from-2015-to-invest-in-2016/203396/ (2016-02-08)
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  • Ashwinder Raj Singh | The Financial Express
    S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed In the news PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 India s biotech moment A made in India Zika virus vaccine Sanam Teri Kasam collections at Rs 1 25 cr Valentine s Day booster shot missing New Mahindra cars at the Delhi Auto Expo 2016 From Real Madrid to Chelsea Know the top 10 richest clubs Earthquake in Taiwan Magnitude 6 4 quake kills 14 over 100 missing scores injured in Tainan Real Madrid s Cristiano Ronaldo 31 soccer star and entrepreneur All you need to know in 8 slides How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note International Fleet Review 2016 President Pranab Mukherjee reviews naval fleet Asteroid TX68 to pass by Earth on March 5 at 9 000 17 000 km distance NASA Earthquake in Nepal 5 5 magnitude quake injures 15 tremors rock Bihar too Horoscope By Peter Vidal Today 08 Feb This Week 07 Feb 13 Feb SAGITTARIUS Your choices are perfectly clear Loved ones or close companions may be unreasonable but there is probably no escape from emotional tension What you can do however is make a conscious decision to treat all differences of read more Home Markets 2016 02 07 10 49 39 Outlook GDP data Q3 earnings to set market tone GDP IIP and consumer inflation will dictate market movement this week say experts while blue chips SBI and ONGC are also lined up to release their third quarter earnings numbers Sensex end 278 points up on value buying Lupin Vedanta shares surge Top 10 stocks that trended in today s trade Jindal Steel Lupin and more RBI to buy back inflation indexed bonds maturing in 2023 Mutual Fund AUM falls for third straight month in January Companies 2016 02 07 11 47 07 India Post to invest Rs 322 crore to augment parcel capacity In a bid to strengthen its position in the e commerce market India Post has proposed to invest Rs 322 crore till 2019 20 to augment parcel handling capacity through which it projects to earn a revenue of Rs 1 608 crore Facebook bans pages selling medical marijuana in US Aamir Khan loses Snapdeal contract Lupin Q3 net profit dips 12 per cent to Rs 530 crore BSE Institute announces launch of new zone for startups Economy 2016 02 06 19 54 52 Arun Jaitley asks states to step up infra social sector spending Finance Minister Arun Jaitley today said he expects states to increase spending on infrastructure and poverty alleviation schemes as the 14th Finance Commission has devolved higher funds to them Govt approves Rs 17 000 cr highway projects for 9 states

    Original URL path: http://www.financialexpress.com/author/ashwinder-raj-singh/ (2016-02-08)
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  • Investing: Pricing stocks | The Financial Express
    to 12 months after they actually occur Changes in gross domestic products inflation interest rates unemployment rates corporate profits balance of trade will help investors to direct attention to the next phase of business cycle Business confidence index Think tanks like NCAER and Confederation of Indian industries CII jointly compute an index which is known as Business Confidence Index BCI This index captures the expectations of business houses in India on a quarterly basis It is based on responses received from a broad sample of firms across regions sectors and sizes BCI is based on responses to questions that relate to the overall economic conditions and financial position of firms Survey of sentiments Consumer expectations play an important role as the economy approaches turning points in the business cycle Globally two surveys of consumer expectations are closely followed by the investors The University of Michigan Consumer Sentiment Index and the Conference Board Consumer Confidence Index both query a sample of households on their expectations over the next six months Conference Board or over the next year Michigan Although the two indexes sometimes deviate from each other month to month over longer time periods they track each other fairly closely Both indexes act as a leading indicator by rising and falling before the general level of economic activity does Where to look for indicators A vast majority of the indicators as discussed above are published by the central banks of the respective countries For instance majority of the US data on the above indicators are released by National Bureau of Economic Indicators and a similar Indian counterpart is National Council of Applied Economic Research Survey of sentiments expectations and business confidence index are released by the respective organisation who computes the same and it is available in public space To conclude that there is ample evidence of a strong and consistent relationship between economic activity and the stock market although stock prices consistently seem to turn from four to nine months before the economy does Therefore to project the future direction of the stock market using the macroeconomic approach you must either forecast economic activity about 12 months ahead or examine economic indicator series that lead the economy by more than stock prices do Taking stock Leading indicators will signal the future events with reference to the business cycle peaks and troughs normally3 to 12 months they actually occur Either forecast economic activity about 12 months ahead or examine economic indicator series that lead the economy by more than stock prices do The authors teach finance and accounting course in IIM Shillong First Published on January 26 2016 12 06 am Please Wait while comments are loading Calculators Tax Calculator House Loan Calculator Financial Planner Inflation Planner Pension Calculator Employee PF Calculator Equity Screener Auto Loan Retirement Plan Savings Investment Guidance Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India

    Original URL path: http://www.financialexpress.com/article/personal-finance/investing-pricing-stocks/202031/ (2016-02-08)
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  • P Saravanan | The Financial Express
    To put it bluntly it s not an easy task Leverage can help executives give shareholders a better deal Leverage can magnify earnings both up and down The profits of highly leveraged firms might soar with small upturns in revenue SRI Doing your bit for others but not without reward While all investors aim to maximise gains the concept of socially responsible investing SRI is gaining currency as people become aware of their responsibility towards society Financial planning How to create and maintain an exigency fund The importance of an emergency fund can t be stressed enough And building one isn t rocket science Investment The company you keep Corporate governance isn t just about complying with guidelines it has a direct bearing on your investments Derivatives offer effective low cost way to transfer risk While common investors are familar with basic assets of trading like equity fixed income instrument currency Investing Back to the future While PEG ratio is a useful tool for stock selection a study of past performance will be in order Investing Decode the bell curve A stock s opening price is more than a mere number Here s the lowdown on what it reveals Real estate Concrete measures The thriving realty market has largely gone unregulated This is however going to change 1 2 Editor s Pick How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note From Real Madrid to Chelsea Know the top 10 richest clubs New Mahindra cars at the Delhi Auto Expo 2016 Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed In the news PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 India s biotech moment A made in India Zika virus vaccine Sanam Teri Kasam collections at Rs 1 25 cr Valentine s Day booster shot missing New Mahindra cars at the Delhi Auto Expo 2016 From Real Madrid to Chelsea Know the top 10 richest clubs Earthquake in Taiwan Magnitude 6 4 quake kills 14 over 100 missing scores injured in Tainan Real Madrid s Cristiano Ronaldo 31 soccer star and entrepreneur All you need to know in 8 slides How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note International Fleet Review 2016 President Pranab Mukherjee reviews naval fleet Asteroid TX68 to pass by Earth on March 5 at 9 000 17 000 km distance NASA Earthquake in Nepal 5 5 magnitude quake injures 15 tremors rock Bihar too Horoscope By Peter Vidal Today 08 Feb This Week 07 Feb 13 Feb SAGITTARIUS Your choices are perfectly clear Loved ones or close companions may be unreasonable but there is probably no escape from

    Original URL path: http://www.financialexpress.com/author/p-saravanan/ (2016-02-08)
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