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7 things to know as an investor - Ahead of US Presidential Election 2020 The US Presidential Election is just a few days away. Global Indices have risen sharply since March 2020 Crash. US market indices traded at a lifetime high, just post fall of March. At the same time, the economy is not showing any signs of immediate recovery. Most countries are preparing for the curfew due to the fear of Second Wave - Covid-19. Although the death toll due to the Corona Pandemic is currently declining, but the number of cases are increasing day by day. As the Northeast monsoon in India is coming a little late, there is a chance of Heavy Rain and cold related infections in the upcoming days. Stock Market Indices are rising amid Trade war, Border Tensions, Volatility on Crude and Dollar and the recession is here. With the US Election set to take place in the first week of next month, Global indices are guaranteed to fluctuate in the coming weeks. As an investor, one should take some precautionary mea...

Interest rates for Small Savings - October 2020 With the increasing investment in Mutual Funds, Stocks and Bonds, the value of Small Savings in India has not diminished even today. Postal and Bank Small Savings Schemes are a boon for the Middle and Poor class families. The interest rates on Small Savings schemes are subject to change in every quarter. Generally, the rates for Senior Citizen Savings Scheme and Sukanya Samriddhi account are higher than other Schemes. At the beginning of the current fiscal 2020-21, the interest rates on Small Savings plans were drastically reduced. The Government had on September 30, 2020 released its interest rates for the Small Savings Scheme for the Period October - December 2020 quarter. It is also said that the interest rate for the July-September quarter will remain unchanged. The Interest rate for the Savings account under Small Savings Scheme will be 4 Percent. For the One year, Two years and Three years Term Deposit, the rate will remain at 5.5 P...

Rising Gold Reserves - Indian Economy 2020 As the Global Indices (Stock Market) continues to rise, the investment in Gold is in consolidation phase as in volatile in the recent weeks. India has been in slowdown on Economy since the year 2018. Accordingly, the Global economic indicators are also not in a favorable position. The Price of Gold, which has not risen between 2011-2018, however it has risen sharply over the past year and a half. The Gold ETF schemes has generated around 38 Percent returns in the last one year. Meanwhile, the BSE Sensex has grown by only 6 Percent in the past 52 week period. India's Trade deficit is rising again after Unlock of Covid-19. The Balance of Trade at the end of August 2020, was USD 6.77 Billion. Exports fell 13 Percent to USD 22.7 Billion, where imports fell 26 Percent to USD 26.47 Billion. Exports of Gems and Jewellery, Petroleum products declined significantly in the month of August 2020. But the Gold imports rose to USD 3.7 Billion last month...

How to ensure the Economic Recession ? The United Kingdom is currently experiencing a 20 Percent economic decline (Negative GDP growth) for the second quarter of the year 2020. Most of the economists were also say it is heading for a fall which is not seen in the last 100 years. The United States were also experienced around 33 Percent (- 32.9 Percent) economic downturn in the Q2 2020. An Economic Recession is a temporary slowdown or decline in the numbers on Industrial Production and Trade. The Recession generally indicates that the Country's GDP is gaining Negative growth for the two consecutive quarters. The Industry will have not much growth in times like this. Most companies would experience a decline in their Earnings and few may declare the Net Losses. This has led to a slowdown in the Country's Economic growth. At the Same time, the period of recession is not well defined. It can last from a few months to Several years. We cannot say for sure when this situation will be...

Global Debt - is it creating a Bubble ? We are currently playing in the Recession 2020 globally. Despite the worldwide covid-19 impact, there are few factors that are heading to hurt the economy as worst. The Trade between two nation, Oil Crisis and the border violations are the key factors that due to the Economy. The Global debt is on the rise. The USD 20 Trillion(GDP) United States, had an external debt of 120 Percent to its GDP. The Public Debt is also increasing to 97 Percent to its GDP. The Second biggest economy, USD 14 Trillion China had an external debt of 17 Percent to its debt as comparing to the Emerging Nations, it is said to be the lowest level. However the Public debt to GDP is around 53 Percent. Japan had a highest public debt of 282 Percent to it's Debt. On it's external Debt it was around 97 Percent. Germany have a high external debt of 174 Percent to the GDP. The worst hit on United Kingdom is the public debt to GDP stood at 105 Percent and the External Debt ...

Singapore tops the list in World Competitive Ranking 2020 The International Institute for Management Development(IMD), Switzerland operates a Business Education School and publishes about the World Competitiveness Ranking based on Economy globally. The Ranking list would be published every year by the IMD and currently the Ranking for the year 2020 was released. Singapore retained it's last year ranking and Ranked as No.1 for the current year 2020. In 2019, Hong Kong and USA were stood at 2nd and 3rd position respectively. The Ranking would be decide and based on Four Parameters - Economic Performance, Government Efficiency, Business Efficiency and Infrastructure. For the 2020, Denmark is in Second rank and Switzerland at third globally. Netherlands and Hong Kong were at Fourth and Fifth Ranking respectively. Sweden was moved to 6th Position. Norway, Canada and UAE were the 7, 8 and 9th Place. It is worth noting that the USA, which ranks third in the World Competitiveness Ranking 2...

No Interest rate Hike - US Fed Policy - Recession 2020 The Economy of the Super Power United States is about USD 21 Plus Trillion. It is said to be 1.5 Times than China and about 7.5 times the GDP of India. Most Advanced and Emerging economies in the world are affected severely by the Covid-19. United States is the most affected nation by the Coronavirus Pandemic - The number of infected cases and death are high. As a result, the Lock down was happened in the March and April 2020 and then the corresponding economic decline in the Country are high. Most of the Developed nations have confirmed the economic downturn - Recession 2020. The US officially announced it's recession from the month of February in their country. Due to that, there is a consistent measures are being taken to stimulate the Economy. This was followed by a massive package of USD 2 Trillion on Economic Stimulus. They also provided like a direct benefit of USD 1000 per month per Head. It is also said that there will...

Unemployment Rate in India to 23.50 Percent in May 2020 India's Unemployment Data has being released on behalf of the CMIE (Centre for Monitoring Indian Economy). The Nationwide lock down was imposed on 24th March, 2020 due to the impact of Covid-19. Many have lost their jobs because of this and it is being noted as a Recession Times. Especially, there is unaccounted numbers on Workers in the Unorganized Sector will greatly affect the economy of the country. The aforementioned monitoring centre will only take into account the number of workers in the Organized Sector. The Unemployment rate which was 8.75 Percent at the end of March 2020, reached it's peak level of 23.52 Percent in the month of April 2020 - A Complete Lock down was there. The Majority of small and marginal businesses are left without jobs, as migrants seek their home state for their livelihood. India's Unemployment rate is also rising by the end of May 2020. The Unemployment rate was reported at 23.48 Percen...

India's Automobiles Sales Data in May 2020 The Lock down was imposed through out the Country last April as a result of Coronavirus Impact (Covid-19). The Sales and Earnings are not favorable for the Auto sector and this industry have been hit by a year and a half. The Leading companies in this sector were unable to sold even a Single Vehicle in the month of April. However the Lock down has been relaxed in the month of May. The Curfew eased slightly after the second week of May 2020. As a result, Manufacturing and Service Companies were allowed to run their business with certain restrictions. Last month, Maruti Suzuki sold about 18,539 Vehicles. Of these, 13,888 were local sales and 4,651 were exported. The total number of vehicles sold in May 2019 was 1,34,640. So for the May 2020, the Vehicle sales were down by 86 Percent as compared to the past for Maruti Suzuki. Mahindra & Mahindra has sold about 9,560 Vehicles in the month of May 2020. There were 9,076 vehicles sold domesti...

Thyrocare Technologies - Net loss of Rs. 18 Crore due to Covid-19 - Q4FY20 Thyrocare Technologies involves in provide Quality Diagnostic services in the Health care Segment in India. Established in the year 1996, the company conducts Clinical tests and laboratories.  Currently, the Market capitalization for Thyrocare is Rs. 2800 Crore. Book value comes at Rs. 75 per Share. It is virtually a Debt Free Company, where the Debt to Equity stands at 0.03. The Promoters holding is said to be around 66 Percent and there is no pledging on Promoters Share holding. The Interest coverage ratio (ICR) is also comes with sufficient numbers, around 120 Times. For the Last five years, the Sales growth is up 20 Percent and the Compounded profit growth were at 15 Percent. The Return on Equity (ROE) for the Thyrocare is 19 Percent over the past 5 years. In Q4FY20 - quarterly results, the Company reported its revenue of Rs. 94 Crore. The Expenditure was Rs. 64 Crore in the said period. Rs. 44.33 Crore has ...

REPO rate reduced to 4 Percent cut by 40 basis points - RBI The Monetary Policy Committee held for the three days from 20th May 2020 to 22nd May 2020. In the end of 3rd day, all the committee members had cast their votes in favor of interest rate cut. In a statement issued by the RBI, it was said that the REPO rate for banks would be reduced to 4 Percent from the earlier 4.40 Percent, cut by 40 basis points. The announced REPO rate cut on last morning was considered to be as an 'Emergency Move' by the Central Bank. Similarly, the Reverse REPO rate has been reduced from 3.75 Percent to 3.35 Percent. The Bank rate was also said to be 4.25 Percent from 4.65 Percent. According to the RBI data, Since March 2020 the economy of the country has been badly affected and most of the businesses have been harmed by the Covid-19 Lock down. It has been said that it is currently unable to gather proper data on Inflation rates and that there will be unexpected changes in the Inflation rates in ...

India's GDP Share of the Global Economy - 2019 According to the economic outlook released by the IMF in 2019, India's Economy (GDP) is said to be $2.9 Trillion. Currently, the United States is the number one country in the world economy with about $22 Trillion. China is in the Second place which is valued at $14 Trillion. Japan ranks third and Germany at Fourth. India ranks in the Fifth position in the Global Economy. The country is also said to be one of the Fastest growing economy. In terms of Purchasing Power Parity (PPP), China holds the number one position in the world. The United States comes in the Second and India is in the third position. India's Economy growing is due to the High Consumption and the emerging in the Service Industry. The Service sector holds the maximum percentage than the Agriculture and Manufacturing in India. It has contributed 60 Percent of the growth in GDP and 28 Percent of the employment has been generated through the Service Industry. Where...

India's Retail Inflation revised to 5.84 Percent in March 2020 Inflation in India can be calculated in Two ways - Consumer Price Index (Retail) and Whole sale price Index. The CPI Retail inflation was said to be as revised to 5.84 Percent for the month of March 2020. It is noteworthy that the inflation in January 2020, was 7.59 Percent. Now, it seems declined, but it it more than Central Bank's expectation. we have to analyze the numbers during Lock down and Post Lock down session. The Central Statistics office has so far taken more data related on prices from the Rural and Urban areas. Since 19th March, 2020 it was suspended due to Covid-19 Lock down. The Inflation for the month of April 2020 has not been released. Instead, the March inflation was revised there. PM's recent speech hinted that there could be a fourth Lock down (Lock down 4.0), while the businesses may run with some restrictions. Prime Minister were also said about there is a stimulus to boost the current ec...

Rising Unemployment rate in India - A bitter data - April 2020 The news of the Covid-19 impact has been talked about globally for the past two months. In the Developed and developing nations, there was a lock down was imposed for more than a month. The total number of cases were exceeded 40 Lakh till date. The Covid-19 death toll is said to be around 2.77 Lakh and more than 14 Lakh people were recovered. The Unemployment rate in the United States has been rising for the past five weeks due to a Lock down. This is the similar situation for India also. According to the recent data announced by CMIE, the unemployment rate stood at 23.52 Percent in the month of April 2020. It was 8.74 Percent at the end of March 2020. As per the weekly ended data, the Country's unemployment rate were about 27.11 Percent on 3rd May. The number of people who lost their jobs in urban areas is higher than the Rural. There is a statistics that 12 Crore People have been unable to continue their regular job, ...

Tech Companies Quarterly Results - Q4FY20 The Quarterly Financial Results are in the trend for the Q4FY20 - Listed Companies. TCS, Infosys and Wipro are the Tech Companies were declared their Fourth Quarterly results for the Fiscal year 2019-20. For Wipro Ltd, the revenue was said to be Rs. 15,750 Crore and the Operating Profit was Rs. 3,119 Crore in the Q4FY20 report. The Profit before tax (PBT) was Rs. 2,966 Crore and the Net profit were stood at Rs. 2,326 Crore. The said above revenue was little higher than the same quarter of Previous fiscal year. At the same time, the Net profit fell about 6 Percent in the Q4FY20. The Sales growth has been increased by 6.5 Percent over the past 5 years. Similarly, the Compounded Profit growth were also up by 3 Percent in the Last five years for WIPRO Ltd. The Return on Equity were stood at 18.75 Percent over the 5 years period. However the Stock price has fallen 34 Percent over the past one year. The Tata Group - TCS were also announced its earnin...

India's CPI Retail Inflation - 5.91 Percent in March 2020 The Consumer Price Index - Retail Inflation stood at 5.91 Percent in month of March 2020. It is noteworthy that this rate of inflation is said to be Four months low. Increased Retail Inflation since the beginning of 2019, coupled with declining Demand Consumption has also led to a low in this rate. The said above Inflation rate is also considered to below Market Expectation. The Prices of Food, Vegetables and Fruits for the month of March 2020 are lower than the previous month - February 2020. Food Inflation fell to 7.82 Percent in the month of March 2020, earlier it was 9.50 Percent in the month of February. Vegetables prices are come down to 18.63 Percent from the earlier 31.60 Percent. The Fruits are priced below 4 Percent in the last month. The Inflation rate on Pulses and its products is about 16 Percent. At the same time, the prices of Cereals and Milk Products rose slightly in March 2020. There was a little or no chan...

5 Things to consider Financially during Covid-19 In the face of both the Covid-19 (Coronavirus) and the Economic Recession, Financial Planning is Essential. It is important to note that every rupee spent unnecessarily in the current situation will affect the livelihood of others. The Unexpected Demand for Food and Internet service is beginning to increase, although most of the other services are not present. Keep the Food items in your home only when needed, you can buy for a week. Don't waste the Good Food. It is best to prepare and eat only on Hungry, as needed. This will make the Food available to others at a low cost. Staying home is not just idle, doing physical and Mental fitness for a while  encourages us to motivate. Focus on Good food - Nutrition and easily digested. Don't be fooled by the presence of TV, Mobile and other Tech Gadgets. You can create or work with your Favorite things at home, it's the time what you really feel in the past. Ignoring on Essential Com...

Interest rates for Small Savings Schemes in India – April 2020 Interest rates on Small Savings Schemes are subject to change in every quarter. Recently, the Reserve Bank of India reduced the REPO rate for banks. Following this, the interest rates for Small Savings Schemes have been drastically reduced. The Proposed change / new interest rate is for the period between April to June 2020. The Interest rates for the Small Savings Scheme have remained unchanged over the past one year and now the rates have been significantly come down. For the Senior Citizen Savings Scheme (SCSS), the interest rate was earlier said to 8.60 Percent, which is come down to 7.40 Percent now. The interest for National Savings Certificate (NSC) has been reduced to 6.80 Percent, from 7.90 Percent. The 5 years Monthly Income Scheme (MIS) fell to 6.6 Percent Interest rate. Last time, it was said to be 7.6 Percent. Interest rates for the Sukanya Samriddhi Account have been reduced to 7.60 Percent from 8.40 Percent. ...

India's Trade deficit narrowed to USD 11.25 Billion - December 2019 The key factors driving the Indian Stock Market in 2020 are Budget India 2020 which will be presented in February, Crude Oil Changes, Changes in Automobile and Technology, US Elections and Trade tension between nations. So there will be no famine for the Stock Market in the upcoming months. Most of the Global stock indices had ended with a positive returns in the last year 2019. However there is no denying that an uncertainty environment exists worldwide. Already the US Stock Indices and Indian Stock Market - both at its high. It is better to invest in Mid cap and Small Cap stocks based on Fundamentals rather than seeing the market at its high. India's Trade deficit narrowed to USD 11.25 Billion in the month of December 2019. Earlier, it was said to USD 12.12 Billion in the month of November 2019. Imports were fell down to 8.8 Percent year on year to USD 38.61 Billion. This is happened due to import of Transpor...

India's CPI Inflation to 7.35 Percent in December 2019 - Shook the Chill India's Consumer Price Index - the Retail Inflation is on the contrary with the Country's GDP growth, the so-called Economic growth of the Country. Inflation for the month of December 2019 was 7.35 Percent, as compared to 1.97 Percent in January 2019. The Inflation for December 2019 was said earlier, around 6 Percent by the Market Projection. Due to the price hike in Food Products, the said inflation of 7.35 Percent was happened. What is even more shocking, that the Retail Inflation has breached the RBI's Target of around 6 Percent, earlier it was about 4 Percent. Consumer Price Index Inflation has been said to be driven by the recent rise in Food Prices. Vegetables were also increased by 60 Percent. Pulses rose by 15 Percent. Food and Beverages were also increased by 12 Percent in the month of December 2019. The Prices of Cereals, Dairy Products, Clothing and Shoes, Housing and Fuel & Light we...