Category Archives: B. Intricate Investing Concepts

The ongoing pandemic has had a drastic impact on the economy and people across various categories of society leading to confusion regarding personal and corporate finance. One such confusion that people are anxious about is the impact on credit score or the CIBIL score. This article captures the essence of the CIBIL score and howContinue reading “What is CIBIL Score?”

An economy is influenced by the government using two tools viz. Fiscal Policy and Monetary Policy. Fiscal Policy refers to the revenue collection by way of taxes and other sources and its expenditure to support the economic activities in the country. Monetary Policy covers the actions undertaken by the central bank of a country (theContinue reading “Monetary Policy”

Discussions about the Indian stock market seem incomplete without using the words NIFTY and Sensex. What is NIFTY or Sensex? NIFTY or NIFTY 50 and Sensex are both the primary stock exchange indices of NSE and BSE respectively that determine the performance of the market. Let us try to understand the meaning of index, theContinue reading “Understanding Stock Index”

FIXED AND FLOATING RATE OF INTEREST Fixed interest rate on loan means that the rate of interest is constant over the term of the loan. Market fluctuations do not have any impact on the rate of interest. Floating interest rate on loan means that the rate of interest varies with pre-determined parameters that are decidedContinue reading “MCLR And External Benchmark Based Lending”

Mathematical calculations have always increased anxiety levels to the maximum for a lot of people. The term ‘financial ratios’ may act as a final nail in the coffin. But, in the world of investments, this is not the case. Instead, these financial ratios if understood and interpreted properly can turn out to be of greatContinue reading “Key Financial Ratios”

UNDERSTANDING TIME VALUE OF MONEY Time Value of Money (TVM) is a core finance principle which states that the money that is available at the present time is worth more than the same amount in the future, due to its potential earning capacity. Let’s test this concept with a very simple question. Suppose Mr. AContinue reading “Time Value of Money”