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Niveshak January 2017

Posted by Team Niveshak on Tuesday, February 7, 2017 , under , , , , , , , |




Dear Niveshaks,

We hope that the first month of the year brought with it the spirit of starting afresh and realizing your dreams for you. This month saw Donald Trump officially coming to power as the 45th President of the United States, an event that could drastically change the way economies across the world operate with each other. The Economic Survey 2017 presented by the Finance Minister of India, Mr. Arun Jaitley, observed that the Indian Economy is still growing strong with relatively low inflation, fiscal discipline and a stable rupee-dollar exchange rate. With more currency notes being pumped in and withdrawal limits being gradually relaxed, this month also brought some relief for the cash-starved common people.

On the global front, Japan threatened to take India to the WTO, alleging that India’s restrictions over steel imports have halved Japan’s exports to our country – a step that could trigger more trade spats in the future which seems already vulnerable with high global tensions over steel and other commodities. The newly elected US President Donald Trump’s bold moves over US Visa and immigration rules also brought some turmoil for the US companies.

Our cover story for the month brings a comprehensive and exhaustive review of the Budget 2017 which was presented on February 1, throwing light on the possible implications it might have for the different sectors of our economy, while also identifying the areas that were overlooked in the budget. The Article of the Month on the Venezuelan Economic Crisis, which happens to be one of the most profound economic crises in recent history, tries to look into what led to this drastic change in fortunes for one of the star performers in Latin America. Under FinGyaan, “The Trident to Slay the NPAs” elucidates one of the most critical problems that the Indian Banking Sector is struggling with, explaining the 3 R method – Recognize, Reserve & Resolve - a modern approach adopted by the banks to deal with the problem.

Under the FinSight column, the author writes about the deregulation of Savings Bank Interest Rate – identifying is as a Slow Poison in Indian Banking sector. The FinaFame section highlights the immense contributions brought to the field of global finance by Jim O’Neill – the ex-chairman of Goldman Sachs Asset Management (GSAM). The article under FinView offers detailed insights into shares with differential voting rights, and evaluates whether or not are they a good investment opportunity; whereas Classroom for the month would educate the readers about Beta – one of the most commonly thrown terms in the field of Finance.

To end this brief note, 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 give us the vigour and vitality to keep working hard.

Thank you. Stay invested!
Team Niveshak


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Niveshak December 2016

Posted by Team Niveshak on Monday, January 9, 2017 , under , , , , |




Dear Niveshak,

Happy New Year!

The last month was mainly abuzz by the effects of demonetization seen by the Indian public. Owing to the deadline of 30th December to exchange old currency notes, the banks and ATMs across the country continued to see long queues of people. The limitations on the withdrawal from the ATMs and Bank accounts were removed post December 30.

RBI also came up with its credit policy for the year and rendered most of the key rates unchanged at 6.25%, while the CRR restrictions imposed on deposits worth Rs.3.2 lakh crore were called off from December 10. The month also saw some other interesting news like the introduction of Interest Rate Option by RBI, the fall in India’s Forex reserves for quarter ending September 2016, and the jumps in Sensex and Nifty50 as 2016 came to a close.

On the magazine front, we have covered Tata Motors for our Equity Research report. Our cover story talks about the economic blockade in the north-eastern states of Manipur & Nagaland. It tries to dig a bit into the history of the issues and how the ongoing unrest is having a financial impact as well. The article of the month talks about Abenomics in Japan and its success factors. The author has thrown light on the concept, while also trying to create a scorecard in terms of its success in various fields like economic development, labor market, etc. For FinGyaan, the author talks about how Payment banks are the future of Indian Financial System and the related pros and cons. In the FinSight section, the author has studied the possible impacts of the election of Donald Trump as the US president on various facets of global economy.

In the FinaFame section, we have looked at Dr. Manmohan Singh, the former Prime Minister of the country, as well as a well-known economist and politician. The Classroom section explains the concept of Open Interest, which essentially means the number of contracts or commitments outstanding in futures and options trading on an official exchange at any one time. For FinView, we
have brought the interview of Mr. Mitez Sheth, Global Head - Treasury & Operations at Amicorp Group and Board Member at Amicorp Community Foundation.

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


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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


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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


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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


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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


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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

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Niveshak

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