Win Cash Prizes

Win Cash Prizes Win Cash Prizes

Latest Issue

Latest Issue Latest Issue

Subscribe

Subscribe Subscribe

Niveshak November-2016

Posted by Team Niveshak on Sunday, December 4, 2016 , under , , , , , |




Dear Niveshak,

The month of November saw one of the major events of 2016, that is, the Prime Minister Narendra Modi’s ‘surgical strike’ on counterfeit notes and black money, which suddenly rendered 86% of the value of notes in circulation invalid. For the second time in last four decades, India was subjected to shock treatment of overnight demonetization of high value currency notes. Bank notes of Rs. 500 and Rs. 1000 denominations stopped being legal tender as a part of government’s bold move to combat black money. The move was followed by long, frustrating and anxious wait by people outside ATMs and banks across the country, to exchange the illicit currency notes. The cash crunch faced by the people in the last month is certain to have an adverse impact on their consumption spending, especially in rural areas, with the ensuing effect on the economy in the third quarter.

Another event which was in the headlines was the victory of Republican candidate Donald Trump in the US presidential elections, defeating the formidable challenger, Hillary Clinton. The month also saw some other interesting news like the disbursement of Rs.21000 crores by NABARD to farmers to assist them in the Rabi harvest, the increase in NPAs of the state run public sector banks, and the proposed income disclosure scheme under the Income Tax Act.

On the magazine front, we have covered Airtel for our Equity Research report. Our cover story talks about the historic move by the Indian government to remove the higher denomination notes from circulation and explains the implications of the move on the Indian economy. The article of the month talks about Regtech and how it is going to be the next big thing in the financial industry. The author has thrown light on the concept, while also trying to understand the impact of the technology on the banking industry in general, and Indian banking in particular.

For FinGyaan, the author talks about Artificial Intelligence and how it is transforming the Financial Services Industry in today’s world. In the FinSight section, the author has studied the upheavals going on in Indian Banking Sector and the underlying factors for them. In the newly introduced FinaFame section, we have looked at Laurence D. Fink, the founder, chairman and chief executive officer of the BlackRock. The Classroom section explains the concept of Leverage Buyout, which essentially means the acquisition of another company using borrowed capital.

For FinView, we have brought the interview of Mr. Ashish Nanda, Business Head of Banking Channel at the Kotak Mahindra Group. Mr. Nanda gives his views on demonetization and how it is going to impact the Indian banking sector and what strategy should banks adopt in the current scenario. He also touched upon various other topics like rising NPAs, strengthening of dollar against rupee, as well as role of technology in today’s world.

Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivating factor that keeps our spirits high and gives us the vigor and vitality to keep working hard. We hope you had a great month and wish you the best for the new one.

Thank you. Stay invested!

Team Niveshak


(click on image or here to view)


...Read more

Niveshak October 2016 Issue with Page Flip version

Posted by Team Niveshak on Monday, November 7, 2016 , under , , , , |



Dear Niveshaks,

This month was mainly abuzz by the news of removal of Cyrus Mistry from Tata Sons, people’s speculations of who his successor might be; how all of it is going to affect the markets and specifically, the Tata group’s future. The hovering uncertainty did reflect on the benchmark Sensex index as well, which closed at 27,930.21, growing by only about 0.23% during the month.

The security breach that resulted in the compromise of information of over 32 lakh debit cards because of a malware installed in some of the ATMs was another hot topic of the month. Majority of these cards belonged to the banking giant State Bank of India, and its officials have said that they would be reissuing over 6 lakh debit cards. Customers across different banks were suggested to change their PINs. The breach did cause some unrest among lakhs of people who use this facility on a daily basis. Subsequently, the National Payments Council of India had to intervene and call for a forensic audit to look into the issue. The incident shows that we still have to go a long way in strengthening the security in our banking system.

Campaigns by the US Presidential candidates – Donald Trump and Hilary Clinton, and the uncertainty revolving around the possible outcome seemed to affect the market sentiments as well, as both of them have drastically opposite views on their foreign policies. The elections are scheduled to be held in the second week of November. Amidst all these uncertainties, China surprisingly brought some positivity in the global outlook, showing signs of recovery in its industrial output with better than expected growth in the Purchasing Managers Index.

On the magazine front, the Article of the Month talks about the China Housing Bubble. The author has given some really interesting insights about the topic, and has succeeded in drawing striking similarities between the current scenario in China and the conditions that had caused a crisis in some other Economies in the past. Our cover story is about the ouster of Cyrus Mistry from Tata Sons. The article talks in detail about the hunt for the potential successors, and also discusses how certain other organizations have previously gone through a leadership crisis. In the FinGyaan section, the author talks about FRTB and its impact on Risk Management, the need for banks to redesign their trading desks, and how FRTB intends to standardize market risk treatments across various sectors. FinSight talks about the buzz word these days – Financial Inclusion.

The author dwells into discussions about the background of the term, has analyzed the issues in the current banking system, and given a fair evaluation measuring the successes of initiatives taken by the government so far. In place of FinRewind, we have introduced a new section called ‘FinaFame’ under which, each month we would be bringing to light a famous personality who has had a great impact in the financial world. This month’s article talks about the ex-RBI Governor and perhaps one of the most respected men in the Indian Economy – Mr. Raghuram Rajan.

The Classroom section explains the concept of ‘Swaptions’, or Swap Options. It is an interesting capital market instrument which is essentially an option to enter into an interest rate swap or some other type of swap.

Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivating factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great month and wish you the best for the new one.

Thank you. Stay invested!

Team Niveshak


(click on image or here to view)


...Read more

Niveshak September 2016 Issue with Page Flip version

Posted by Team Niveshak on Sunday, October 9, 2016 , under , , , , |



Dear Niveshaks,

The month of September saw the benchmark Sensex falling 557 points or 1.96%
from the start of the month. The month did not see any major economic events or
policy announcements by the government. The most talked about topic this month
was the new RBI governor who would replace Dr. Raghuram Rajan.
This month also the news came that the country’s GDP grew by 7.1% in the first
quarter of this fiscal year. This reaffirmed the India’s position as the fastest growing
major-economy in the world. Also on the governance front, there was some good
news. Our Babu-led bureaucracy has finally energised themselves and has started
competing among themselves to get the status best performing states. Many states have also hired big consulting firms to help them understand the process of evaluation and find ways to improve their rankings. On policy-front the government is taking its initiative further and is giving major boost to the Unified Payment Interface (UPI). There was also one initiative that could be the first of the million steps needed
to revive the financially-drain Indian Railways (IR). The IR has started the dynamic surge-pricing for ticket booking for some of its premium trains.

On magazine front, this month we have covered HUL for our Equity Research Report. HUL being a behemoth FMCG company provides a wide view of the Indian rural sector economy also. Article of the month talks about talks about the Unified Payment Interface (UPI). The author talks about why how the UPI is different from Payment Wallet system and who it is another step to make a cashless society. Our cover story talks about the Telecom battle which has started with the launch of Jio at rock-bottom price. On the FinGyaan, the author gives views on the GST and how it could help in removing the parallel economy running in the country. FinRewind section talks about the WorldCom Scandal in the year 2002. While for FinSight we have a topic on the robust BRICS economy. The author illustrates how these five nations
could be the engine of growth for the world economy. On Classroom this time we are explain the concept on Margin Trading.
For FinView, this time we have brought the interview of Mr. Tapan Singhel, MD & CEO of Bajaj Allianz. He gives his views on investment philosophy, how we can convert the insurance industry into a pull-based selling model and how IoT can add value to the Insurance industry.
Finally, we would like to thank our readers for their immense support and
encourage¬ment. You remain our prime motivation factor that keeps our spirits high
and gives us the vigour and vitality to keep working hard. We hope you had a great
financial year and wish you the best for the new one

Thank you. Stay invested!

Team Niveshak


(click on image or here to view)


...Read more

Niveshak August 2016 Issue with Page Flip version

Posted by Team Niveshak on Tuesday, September 6, 2016 , under , , , , , |



Dear Niveshaks,

We welcome you to our eighth anniversary issue. What was started as a small initiative to keep abreast the readers about the finance and economic issues, has now grown into a full-fledged magazine with different sections, articles, contests, interviews and lots more. All of this has been possible only because of your continued support which has been the fuel for us to continuously try to exceed your expectations.

In the run up to the anniversary issue, we organised our anniversary issue contest
Celebratio. This time we had two different task. Firstly we invited a model to select stocks based on the principle of Value Investing and for the second task we gave country-specific industry topics and invited the views on those topics. We are very enthusiastic from the huge response from our readers. It was a herculean task for us to select the winner. It would be unfair on our part if we did not thank all the participants who showed their enthusiasm for the events. You could find the top three
industry analysis in this issue.

From this anniversary issue, we have tried to set the standards high and have introduced a new section in our magazine – Equity Research Report. From now onwards, each month we will select a stock and would publish an ER Report. We hope that it would add to your knowledge. This time, we have brought to you the views of Mr. Rajendra Kalur, Director & Chief Executive Officer, TrustPlutus Wealth Managers (India) Private Limited and Mr. Jay Shah, founder of Ventureforth and President Star Advisory Services, LLC. They gave their views on wealth management and raising capital.

Talking about the month, the benchmark Sensex ended with around 1.5% higher than the start of the month. Also the month made some of the important news that would have long-term implication for the Indian economy. One of the most important event for the month was the announcement of the new governor of RBI Mr. Urjit Patel who would replace Mr. Raghuram Rajan when his term ends in September. Mr. Patel is the former deputy of the RBI and brings with him vast experience in the field of banking and economy. Other important event was the introduction of a bill in the parliament that would fast-track the debt recovery process. It is important in the respect that it would fasten the process of debt clearance for the banks.

Finally, all of this would not have been possible without your support and enthusiasm. You are our prime motivators and we continue to look up to you. Though we have come so far, but we would not become complacent and would try to continue to provide you with the stimulating ideas and opinions. We hope you had a great month and wish you the best for the new one.


Thank you. Stay invested!

Team Niveshak


(click on image or here to view)


...Read more

Niveshak July 2016 Issue with Page Flip version

Posted by Team Niveshak on Tuesday, August 9, 2016 , under , , , , , |



Dear Niveshaks,

The month made news mainly centred around the monsoon and the GST Bill. The
benchmark Sensex index showed optimism for the month with the index up by
around 2.92% during the month.

The Indian monsoon and the GST Bill attracted the maximum eyeballs in the month
of July. The benchmark Sensex index showed optimism for the month with the index up by around 2.92%.

The two most discussed issues for the month for the Indian economy were the prospect of good monsoon and the push by the government to pass the GST Bill. As has been predicted by the IMD, India would have above normal monsoon after a gap of two years. This is a very important factor for a country heavily dependent on the rainfall for the agriculture sector. Also, one of the most awaited reforms in the Indian economy, the GST Bill, is all set to come into force. The Rajya Sabha has finally cleared the bill after struggling to form a consensus over it for years. Also some of the other events that made news this month was India tryig to host G20 summit in 2018 rather than the scheduled 2019, and some news in FMCG sector where the companies like Dabur and HUL are venturing into new sectors.

On the magazine front this time, July’s article of the month talks about the bankruptcy code. The author asserts the importance of bankruptcy code in making the system more resilient. Our cover story is on the Trans-Pacific Partnership among the nations. The article talks about the recent development where the nations have signed a deal on the final proposal, though it is yet to be ratified. The article focuses on how
it would affect India. In the FinGyaan section, the author talks about the GST Bill and its effects on the Indian economy. The author talks about what benefits India could derive through the implementation of the bill and how it could be a panacea for the Indian economy. The FinRewind section covers the Enron scandal which had rocked the financial world. The author describes the event and provides his insight as to how this scandal made financial systems more robust. FinSight talks about the financial technology companies and their dynamics with the banks. The author supports the perspective that the banks should view the tech firms more as a partner in their growth journey rather than a parallel competing industry. This is based on the
paradigm shift being observed in the way people bank, with major functionalities being transformed for the mobile platform. This time we have brought to you an article on Personal Finance authored by Mr. P. Saravanan, Associate Professor of IIM Shillong, and published in Financial Express. The articles talks about how one should do Industry Analysis.The Classroom section explains the concept of ‘The Big Mac Index’. It is one of the popular indices to measure the purchasing power parity of nations.
Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivating factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great month and wish you the best for the new one.

Thank you. Stay invested!
Team Niveshak

(click on image or here to view)

...Read more

Niveshak June 2016 Issue with Page Flip version

Posted by Team Niveshak on Saturday, July 2, 2016 , under , , , , , , |



Dear Niveshaks,

The month of June saw two major events, the first one being domestic and other being a global one, both of which will have a far-reaching effect in the coming quarters. While the benchmark Sensex index ended the month at approximately the same level at which it started, there was huge volatility mainly on account of these events.

The first big surprise to shake the market took place when the RBI Governor, Raghuram Rajan wrote an open letter to the employees of the RBI about his plan to exit when his term ends. The main cause of the concern was the timing of the change in governorship when the global economy is facing strong headwinds.

Another event with global repercussion was the Brexit. The ‘Leave’ camp having won the vote meant that the UK would have to leave the European Union. The stock markets plummeted across the globe with Sensex opening around 1000 points down the next day. Since India has strong economic ties with the United Kingdom and many companies earn in the Euro, the market tumbled.

The month also saw some other interesting news like Railways making its front line staff more customer friendly and e-commerce company Flipkart reducing its return day policy from 30 days to 10 days for most of the products it sales.

On magazine front this time, the article of the month talks about the GST since the bill has been passed by the Lok Sabha and awaits its approval from the Rajya Sabha. The article provides a holistic view of the bill. Our cover story talks about the historic vote of Brexit and explains what the implications are and what led to such a situation. For FinGyaan, the author talks about how financial system can be integrated with the sustainable development. It brings in different perspectives which can help us reach this goal.

Our FinRewind section talks about the Dot-com bubble burst. The author analyses the event and charts out the lesson that can be learnt from this. And the Fin-Sight section explains Islamic Development Bank. The author explains its financing instruments and the key features of the bank and its implication for India.

This time we have brought the expert interview of Mr. Rakesh Kumar Verma, Chief Financial Officer of JNU, IAAS. He gives a detailed explanation on the expenditure of the government on the education sector and how it is ensured that the money is used for the intended purpose. He also talks about how the funds are allocated to the educational institutions.
fund management.

Finally, we would like to thank our readers for their immense support and encouragement. You remain the prime motivation factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great month and wish you the best for the new one.

Thank you. Stay invested!
Team Niveshak

(click on image or here to view)

...Read more

Niveshak May 2016 Issue with Page Flip version

Posted by Team Niveshak on Wednesday, June 15, 2016 , under , , , , |



Dear Niveshaks,

The month saw government taking some small but important steps to improve the ease of doing business. The benchmark Sensex also remained range bound with the index showing uptrend only in the last days of the week.

During the month, the government took some decision which will have far-reaching impact to simplify the business process in the country. For example, to make export clearance easy and effort-less in its unprecedented move the government has opened a new window which will provide clearance in one day. Now the government has set big targets to achieve, it has also directed Niti Aayog to set up monthly targets for all the departments. This will boost implementation. Also in its attempt to curb black money the government is trying out measures to ensure cashless transaction more frequent. Measures have been identified like installing more POSs and offering first five internet transaction free. If successful, the measures will significantly help in curbing the black
money.

On magazine front this time, article of the month talks about the negative interest rate and how it could impact Indian economy. The article points out the prolonged use of the negative interest rate might lead to price war among countries. Also with the probable collapse of the Eurozone, if the Britain leaves the group, there are chances that the central banks will continue the negative interest rate. Our cover story talks about the telecom sector and the impact it has on the Indian economy, how the sector has evolved and with the 4G coming to the country the sector in entering into the
next phase of growth. For FinGyaan, the author talks about one of the important issue currently plaguing the banking industry i.e. the burgeoning NPA. The author points out the hindrances banks are facing in clearing the NPA. Our FinRewind section talks about the currency crisis which had hit the Russian economy at the end of the 19th century. And the FinSight section delves into the banking industry of the country and how we can make it more accessible to all.

This time we have brought the expert views of Mr. Pradeep Dhamdhere, Fund Manager, Equity & Senior Analyst, Bajaj Allianz Life Insurance Co. Ltd. He gives his views on portfolio and fund management. Specifically, he talks about various parameters that one could consider in constructing a portfolio, what are the general regulations one has to company with when managing a professional portfolio vis-à-vis a personal portfolio and how investor should protect oneself from the volatility. He also advices on the specific skill sets a young professional need to develop for building a career in
fund management.

Finally, we would like to thank our readers for their immense support and encouragement. You remain our prime motivation factor that keeps our spirits high and gives us the vigour and vitality to keep working hard. We hope you had a great financial year and wish you the best for the new one.

Thank you. Stay invested!

Team Niveshak

(click on image or here to view)




...Read more

Niveshak

. Powered by Blogger.