Financial Literacy – The Literacy to be considered

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Research Note: Employee Provident Fund – How to Check Balance, Transfer or Withdraw

The Employee Provident Fund or EPF is one of the most important retirement savings schemes in India.  Here is some information on how to verify the balances and what are the methods to transfer or withdraw the money in the EPF account. Apply for UAN The UAN or Unified Account Number is an umbrella number for the multiple Employee Provident Fund Numbers or Member IDs allotted to an individual by various employers. The idea is to link these multiple employee …read more

Benefits of Financial Planning

Contents Benefits of Financial Planning. 1 Why should I avail Financial Planning services as against regular investment advice?. 2 Financial Planning process. 6 Benefits of Financial Planning services. 7 Why Choose a CFPCM: 8   Benefits of Financial Planning The term Financial Planning gained traction in the past few years and by now most, if not everyone, would be familiar with it. However, people still associate it only with investments and wealth management. For most of the people personal finance …read more

Financial Health Check with Personal Financial Ratios

While we continuously postpone the task of making investments or following financial discipline to another day, there are some simple tools in personal finance that can serve as benchmarks to help us gauge our financial situation. Just as we evaluate a company’s balance sheet with Financial Ratios, our Personal Finances also can be assessed with the help of a few simple ratios. The task, though, is much simpler compared to analyzing Balance sheet of a company. All it requires is …read more

What legal matters are to be considered before writing a Will?

According to the Indian Law, “Will is the legal declaration of a person’s intention which he wishes to be performed after his death and once the Will is made by the testator it can only be revoke during his lifetime.” A person cannot give his ancestors property in the form of a Will but he can make a Will only of his Self-Acquired property . A Will regulates the succession and provides for succession as declared by the testator. The statutory …read more

 Financial Jargon Demystified

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Understanding Monetary Policy – By Dilshad Billimoria

July 2015 Monetary Policy Money is a unit of measure, a medium of exchange, and has value in exchange for goods and services traded. Monetary Policy Initially started under the Chairmanship of Sukhamoy Chakroborty to assess the functioning of the Indian Monetary System. Monetary Policy helps in stabilising the money supply in our economy, provides for price stability, helps in identifying the growth of real output, thus leading to enhanced economic growth in our country. Reserve Bank of India is ...read more

Understanding the nuances of India’s Fiscal policy- By Dilshad Billimoria

July 2015 What is Fiscal Policy Fiscal Policy of our Government simply means, maintaining income and expenditure of the country to meet the stated objectives of Infrastructure Development and Growth, Improved Capital formation and Improvement of economic activity in our country. The various heads of income received by the government comprise of Taxes(Direct and Indirect), Dividends, Interest Receipts, Disinvestment, spectrum sales. The various heads of expenditure which are further divided as planned and unplanned expenditure include subsidy, capital expenditure on …read more

Bullet Proof Your Health- COFP FP Pulse Article by Dilshad Billimoria

  Bullet proof your Health Someone once said, “Without health, life is not life, it is only a state of languor and suffering; an image of death”. I am about to share with you a live case study of a friend. I recently visited a friend’s mother, who had slipped into coma four years ago because of a brain stroke. The initial CT scan diagnosis revealed a Cerebro Vascular Accident – a condition of brain bleeding. The doctor announced …read more

Why HDFC stocks were a better investment than houses in last 8 years?

While Indians have been pouring money into property stocks in a weak market, foreign institutional investors increased their ownership of HDFC to 79.65% as of 31 March. Photo: Pradeep Gaur/Mint If real estate was your investment idea between January 2007 and September 2014, there was a smarter investment option: buying shares of India’s largest housing finance company, Housing Development Finance Corp. (HDFC). Had you purchased a house, you would have had to choose your location well: 89 of the 195…read more

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