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BYE BYE 2016, WELCOME 2017

09 Jan 2017| By: Team Finalaya 0 Comments

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CAPITAL MARKET YEAR WRAP UP: 2016

Demonetization, Trump & Brexit took sheen off Dalal Street

Indian equities had yet another somber year as the benchmarks settled with modest gains amidst many events that would define 2016 in times to come. During the period, the benchmark Sensex surged just 1.95% whereas Nifty 50 grew 3%. BSE market cap increased 6% from Rs 1,00,39,311 crore to Rs 1,06,47,561 crore. MF corpus swelled a massive 27.6% in first 11-month of 2016 to nearly 170000 crore.

On the primary markets front, 32 Indian companies successfully raised a sum of about Rs 25,000 crore via[....]

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Planning to start an SME? These tips can help your SME on its growth trajectory

01 Dec 2016| By: Team Finalaya 0 Comments

Tips for SME GrowthEveryone agrees that SMEs are important for the growth of the nation and the Gross Domestic Product itself. Yet, when it comes to setting up the SMEs and nurturing through its infancy, most promoters are frustrated by the series of bottlenecks. Thankfully, the winds appear to be changing and the climate for SMEs in India is expected to change for the better significantly in the coming days. There are many things that SMEs can learn and implement to ensure that their efforts are rewarded and their enterprises transition successfully from infancy to childhood and grow into a worthy adult[....]

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Planning to buy an expensive home? Here are the things you should know

05 Oct 2016| By: Team Finalaya 0 Comments

Home Buying Guide

For millions of Indians, owning a roof above their head continues to remain a distant dream. Yet, there is the upwardly mobile younger generation with the wherewithal to accomplish the dream with significantly lesser pain compared to the earlier generations.  But, within the real estate sector, this segment suffers from certain chronic illnesses that hamper healthy growth.

  • Ability of individuals to service large debt for 2 decades or more
  • Taking the plunger without factoring in all pros and cons
  • Poor personal finance planning
  • Yearning for flamboyant life style
  • High profile advertisements[....]
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Lending institutions may become wary of large loans

28 Sep 2016| By: Team Finalaya 0 Comments

Bank NPA

With the Reserve Bank of India tightening the noose around NPAs, borrowers seeking large loans can be expected to be more realistic in their project estimations as well as repayment commitments.  Lenders, on the other hand, particularly the PSU banks will re-examine many of the existing practices and perhaps reinvent the wheel so that borrowers are fully aware of the consequences of failing to meet their repayment obligations.

The story so far

It is now common knowledge that some 12% of the assets figuring on the books of Indian Banks collectively represent stressed assets. In other words,[....]

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The dark and bright side of ULIPs

23 Sep 2016| By: Team Finalaya 0 Comments

ULIP- Pros and Cons

At the start ULIPs were among the most sought after financial products. But, soon it slipped away from the focus of investors until it became essential to launch an array of reformatory measures. In its new avatar, the ULIPs have once again become a low cost option for investors. So much so, some ULIPs of recent origin are cheaper compared to direct plans offered by mutual funds.

Distributors taking investors for a ride

In the past rampant misselling indulged in by distributors and the high charges that insurance companies levied dealt a body blow to ULIPs. Some ULIPs even charged as much as [....]

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