Ravi Nagdev

The carousel outlines the disparities between Systematic Investment Plans (SIPs) and Recurring Deposits (RDs). While RDs assure a fixed rate of return, SIP returns fluctuate with the market, lacking predictability. Taxation also differs; RD interest is taxed as per the individual's slab, while SIPs in equity Mutual Funds incur a 10% tax on long-term capital gains exceeding 1 lakh. RDs are commonly seen as savings instruments, while SIPs, especially in equity MFs, are regarded as tools for wealth creation. Unlike RDs, SIPs in equity MFs have historically outpaced lifestyle inflation, offering significant long-term returns. Understanding these distinctions is crucial for informed investment decision-making. . . #Prathamservices #sip #systematicinvestmentplanning #recurringdeposit #mutualfunds #Investmenttips #financialfreedom #investing #investmentgoals #wealthcreation #financialsuccess #financialgoals #financialplanning #insurancenbroker #consulting #explorepage

HSL_Daily Derivative Outlook On Markets . . . #StockMarket #Investing #EquityTrading #FinancialGrowth #InvestmentConsulting #marketinsights #asianmarkets #HDFCsecurities

Issuer : Satin Finserv Limited 🔹 Nature of Instrument : Senior, Secured, Listed, Rated, Redeemable NCDs 🔹 Maturity Date : Jun 28, 2026 (Bullet) 🔹 Credit Rating : ICRA A-/Stable 🔹 Coupon : 10.85% payable quarterly   🔹 Face Value : 1,00,000 🔹 Step-Up Coupon : In case rating gets downgraded from ICRA A-, coupon rate will increase by 0.5% for each notch downgrade. 🔹 Multiples of 10 Lakhs @ Yield : 11.29% About the company: • Satin Finserv Limited (SFL) is an NBFC, which was established in 2018 and a wholly-owned subsidiary of Satin Creditcare Network Ltd (SCNL).    • It offers micro, small and medium enterprise (MSME) loans (retail and wholesale) and loans to joint liability groups (JLGs) for its business correspondent partners. • It offers micro, small and medium enterprise (MSME) loans (retail and wholesale) and loans to joint liability groups (JLGs) for its business correspondent partners. Financials (31.03.2024) 1. Networth – 171 Crs 2. Gearing -1.4 Times 4. AUM – 423 Crs 5. PAT – 5 Crs 6. NNPA – 2.65% 7. CAR (%) – 48% • As there is a significant reduction in the loan book compared to FY23, change is mainly due to company’s decision to reduce business correspondent book portion and increasing MSME segment. • While SCNL’s management’s involvement in SFL is limited, it enjoys board-level guidance in the form of common directors, including Mr. H P Singh (promotor of SCNL), who holds along with family 36% stake in the company • Mr. HP Singh has over three decades of microfinance experience to his credit and is responsible for pioneering the unique concept of daily collection of repayments of loans. Aside from being an expert in lending, particularly in the microfinance field, Mr. Singh also has a wealth of experience across auditing, accounts, project financing, advisory services and company law matters. It is his financial engineering acumen, honed over almost thirty years of experience, that has helped SCNL achieve its success in operational strategy and efficiency. • Key Covenants: 1. Maintain CAR of minimum 20% or regulatory limit whichever is higher. 2. GNPA should be less than 5%. 3. NNPA should be less than 3% 4. Controlling stake to be held by Satin Creditcare Networks For More Information Contact Us. Regards, Vardhaman Wealth Call on 8169451369 WhatsApp on https://wa.me/919969572995 #IdeasforBetterTomorrow #FinancialAwareness #FinancialServices #InvestFirst Signup: https://lnkd.in/dZznG3kG

Repo Rate: RBI did not change the interest rates for the ninth consecutive time, repo rate remains at 6.5% #BimonthlyMonetaryReview #change #consecutive #GovernorShaktikantaDas #interest #MPCMeeting #ninth #rate #Rateofinterest #rates #RBI #RBIGovernor #rbimonetarypolicycommittee #rbireporate #remains #repo #reporate #time

📊 FII & DII Data Update! 📊 You can gain an advantage in understanding market dynamics by using FII and DII data! . . [Shower Wealth Academy, FII, DII, Stock Market, NSE, BSE, Sensex, Nifty, Stocks, stock Market India ] #showerwealthacademy #FII #DII #StockMarket #NSE #BSE #Sensex #Nifty #Stocks #stockmarketindia

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📊 FII & DII Data Update! 📊 You can gain an advantage in understanding market dynamics by using FII and DII data! . . [Shower Wealth Academy, FII, DII, Stock Market, NSE, BSE, Sensex, Nifty, Stocks, stock Market India ] #showerwealthacademy #FII #DII #StockMarket #NSE #BSE #Sensex #Nifty #Stocks #stockmarketindia

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📢 Important Update for Traders! Starting Today - November 20, 2024, SEBI has revised the lot sizes for Index Derivatives. 📝 This change impacts popular indices like Nifty and Bank Nifty, ensuring a more efficient and trader-friendly environment. 📊 Stay informed and optimize your strategies with these updates! Read the full details here: https://lnkd.in/gvrMBJD8 #TradingUpdate #IndexDerivatives #StockMarket #Flattrade

Sensex Today | Stock Market LIVE Updates: Trading Guide: IDFC First Bank, Bharat Dynamics among 7 stock recommendations for today According to Nagaraj Shetti, Senior Technical Research Analyst at HDFC Securities, the short-term trend remains weak. However, given its proximity to the cluster support around the 22,000 levels, there's potential for an upward rebound from the current lows in the upcoming sessions. Immediate resistance is anticipated at 22,260 levels. Seven stock recommendations for today include Saregama, Motherson, Radico Khaitan, PTC India, Bharat Dynamics, IDFC First Bank and RBL Bank