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Non-convertible debentures: Four factors to consider when investing in NCDs

Investors need to consider aspects such as safety, liquidity, diversification and tenure of investment

NCDs present an attractive and tax-efficient route to invest, for conservative investors looking to get regular income with safety of capital. (Illustration: Shyam Kumar Prasad) News

It might be prudent for government to take a relook at IBC amendments

Recently, DoT formed a committee to examine issues arising out of insolvency of telecom operators, including its rights as a creditor vis-à-vis the bankruptcy process.

The DoT’s stand before the National Company Law Tribunal in the Aircel case has been that spectrum cannot be classified as an asset of the telecom company or be sold as part of a resolution process. (Representational image) News

Fiscal space before the new government in Karnataka

As of now, the fiscal indicators of Karnataka are well within the fiscal rules framework—although public debt is on the rise, it is within the 20% threshold limit in terms of GSDP.

Populist measures (Rs 4,000 promised to beneficiaries of PM Kisan Samman Nidhi, and waiver of outstanding loans taken by weavers) can derail prudent public finances of the state (Illustration: Rohnit Phore) News

Bringing India and Latin America closer in terms of trade and investment

Over the last decade, India’s trade with LAC has grown three-fold—to reach $39 billion in 2018, with India’s exports to LAC amounting to $13 billion and imports reaching $26 billion.

Transportation cost remains a major constraint for trade between the two. (Representational image) News

This Raksha Bandhan, bring your sister’s dreams to reality

There are several customised loans designed especially for millennials that will help turn dreams into a reality.

Raksha Bandhan, emi free loan, holiday loans, loans, gifting News

Slowdown more evident in rural India; FMCG companies think these 4 concerns are slowing economy

There is an emerging consensus among FMCG majors that, like their automobile counterparts, the impact of the slump is more evident in rural India and that, in geographical terms, the north is the worst hit.

Industry News

Financial Freedom: How to become rich and achieve financial independence

Financial freedom means having the choice to pursue what you want and being free from worrying about having a source of income.

How to become rich, online calculators, financial freedom, assets , investments, rental income, stocks, shares, salary News

These solutions could enable governments globally to fix loopholes in tax treaties

India, along with 67 other countries, signed the MLI in 2017. After completing the domestic procedure for ratification nearly a fortnight ago, India deposited the instrument for ratification of MLI with the OECD Secretariat.

The dollar’s share in import transactions remained unchanged at about a third. (Representational Image) News

Raksha Bandhan 2019: This gift to your sister can assure financial protection for a lifetime

Buying health insurance early in life comes with its own sets of benefits that can help one’s sister in her old age when she might be prone to various medical conditions.

Rakshabandhan gift ideas News

Independence Day 2019 Special: 10 habits that will help you achieve financial freedom and grow rich

In just 10 simple steps you too can make sure that you become free from money-worry and save up for a comfortable future post retirement life.

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Digital transformation: It starts with people, not tech

Technology has upended the customer experience for financial services at a fast and furious pace over the last few years.

Mobile banking apps now offer over a 100 or more services, come with greater personalisation and enhanced security features. News

eSIM and 5G: Game-changer in digital tech

Global shipments of eSIM capable devices, including vehicles, grew 63% y-o-y in 2018 to 364 m units

Telcos will modify their network infrastrucutre for 5G News

US, China trade war intensifies as Donald Trump announces new tariffs

The Chinese authorities then allowed their currency, the renminbi, to fall below the symbolic threshold of CN¥7 per US dollar.

The real significance of the US decision to label China a currency manipulator, therefore, is that it represents a further escalation of the two countries’ avoidable trade war. (Representational image) News

Growth prescriptions: RBI initiatives can reverse slowdown in growth

The central bank's current monetary policy, having evolved from focusing solely on controlling inflation and emphasising independence, is aimed at supporting economic growth

The objective of the Bank of England’s monetary policy is to deliver price stability and, subject to that, to support the government’s economic objectives, including those for growth and employment. (Illustration: rohnit phore) News

Product advisory Committee will deepen benefits of derivative markets

At the micro-level, PAC can observe heterogeneity in participation between physical and derivative market actors, helping exchanges and regulators take measures to bring parity in trade and maintain a healthy hedger-to-specul

Sebi has directed each recognised exchange, including stock and commodity, to “constitute a PAC for each group News

This Independence Day, move towards Financial Freedom with these 3 steps

Remember that financial freedom can be facilitated by access to credit, and this access is determined by a high CIBIL Score.

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What govt must do to fix credit infra, bankruptcy framework, payments for MSMEs to realize full potential

India's credit infrastructure, bankruptcy framework, and payment mechanisms remain crucially handicapped and need to be addressed urgently if MSMEs are to realize their full potential. 

SME, bad loan ratio, March quarter, Transunion Cibil and Small Industries Development Bank of India, Sidbi, industry news, MSME, NPA, RBI News

High-altitude lakes of Ladakh: The must-visit Himalayan jewels

The Higher Himalayan lakes in the Ladakh area have great ecological and socio-economic significances, and also play an important role in maintaining the biodiversity and wildlife habitats of those areas.

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How to check if you are eligible for a personal loan

A personal loan is an unsecured loan. This means you can avail funds without pledging any collateral. Since you don't have to go through the verification process for your collateral, the approval and disbursal of funds is qui

Loans, personal loan, how to choose a personal loan, cheaper loans, IDBI, OBC, MCLRs, IDBI Bank, basis points, loans, family, lifestyle, all-India survey, News

Paradigm Shift: What Arbitration and Conciliation Amendment Bill, 2019 means for arbitration in India

A causal nexus has resulted in Indian parties favouring international institutional arbitrations for resolution of their dispute. The 2019 Bill seeks to remedy this.

Arbitration and Conciliation Bill, Arbitration and Conciliation Amendment Bill, 2019, India, Arbitration and Conciliation Bill 1996, Arbitration and Conciliation Bill 2015, Arbitration and Conciliation Bill 2018, Arbitration agreement, Arbitration clause News

As India faces slowdown, this multi-spectrum approach is needed to revive economy

The cut in projection for the first half of the current financial year is starker – from 6.4-6.7 per cent to 5.8-6.6 per cent.

india economy, economy slowdown, gdp growth, china, india, agricultural, economy, gdp, economic growth, FICCI, india GDP, GDP growth, IMF, News

Income Tax Return 2019: What taxpayers should keep in mind while filing ITR

Individuals now have time to file their ITR for FY 2018-19 by 31 August, 2019. Here are some critical aspects that should be kept in mind while filing income tax returns.

Income Tax Return 2019, ITR filing, itr filing 2018-19, ITR filing date, ITR 1, ITR 2, CBDT, PAN, Aadhaar, Form 16, Form 16A, Form 26AS News

Tech jobs grow 31 per cent despite slowdown

According to the American worldwide employement search engine, Indeed, the 12 month period from February 2018 to February 2019 saw technology job roles in India grow by 31% from 5% in February 2017 to February 2018.

Job searches for these roles during the same period increased by 8%. News

National Education Policy needs more extensive reforms to succeed

Holding the 10+2 structure and board exams responsible for the stress on students and the coaching culture, the dNEP proposes a minimum of 24 board exams over four years from grade 9 to 12.

Evidence shows that the Indian state has failed to provide quality schooling. (Representational Image) News

Article 370 repeal doesn’t enjoy protections accorded to constitutional amendments

A 1970 Presidential Proclamation sought to annul Privy Purses—a grant to the princes guaranteed under the Constitution, by de-recognising the rulers.

Reducing J&K to a UT is violative of a healthy federal structure since a UT is subordinate to the Centre and doesn’t enjoy freedoms enjoyed by States in the Union. (PTI Photo) News

India’s milk output more than doubled from 79.66 mt in 2000 to 176.27 mt

We have similar “experts” who tell us how India’s milk production isn’t growing enough to keep pace with its rising demand.

Milk is a source of liquidity, predictability and stability in rural incomes. News

Corporate bond redemption surpass issuances in Q1

“While issuances are expected to pick up from the September quarter, the June quarter witnessed redemptions as mutual funds and banks were not willing to lend to the troubled sector,” said Khajuria.

While the amount has reduced, the percentage share also dropped from 19.04% in July 2018 to 15.3% in May 2019. News