RICH INVESTING iDEAS

 PSU Companies list in the Indian Equity Market Generally, the contribution of Private Sector companies and its operations are greater than the participation of Public Sector(PSU) companies in the Indian Equity Market. While Public Sector companies can pay the Dividends to the Government regularly, those who consider only dividends can keep small allocation of these companies in their Stock Portfolio. It should also be noted that they do not gain much on Capital Appreciation in the long run. For a reasonable returns and healthy dividend, if you want to invest in Public Sector companies, there are more than 50 PSU companies in the Stock Market. Public Sector Companies are divided into Maharatna, Navaratna and Miniratna. Among the PSU listed on the Stock Exchange are 45 Central Public Sector(CPSE) Companies, 12 Public Sector Banks, one at the State level and one under the Other Category. In the PSU Banking Segment, all the public sector banks in India, including SBI, Canara Bank, Ind...

 India's CPI Retail inflation to 4.59 Percent in December 2020 The Retail inflation is also known as the Consumer Price Index, ended lower than the market expectation in December Last year 2020. It is noteworthy that the RBI has a short term target of 2 to 6 Percent on Retail Inflation. The CPI Retail inflation has been out of control for the past several months, far beyond the Central bank's target. With Bank interest rates falling, the CPI inflation rate had caused some apprehension. But it ended unexpectedly in December 2020 at 4.59 Percent. Earlier it was 6.93 Percent in the month of November 2020. The above December inflation is said to be the lowest rate seen in the last 15 months. This is due to the low prices on Food items. The Food inflation which was 9.50 Percent earlier is now 3.41 Percent in December. Inflation in Pan, Tobacco and intoxicants were only slightly higher at 10.74 Percent. It was 3.21 Percent from 3.19 Percent for the Housing segment on Retail Inflation...

 Small Savings Scheme interest rates for the period - January to March 2021  The Change of interest rates for the Small Savings Scheme in India were announced quarterly. Generally the Postal Office schemes and Bank deposits are come under the Small Savings scheme. It is noteworthy that the Central bank(Reserve Bank of India) has been lowering the interest rates on Bank deposits for the past few years. Interest rates on Small savings scheme for the Fourth quarter of the current Financial year 2020-21 have been announced. It is said that the interest rate will continue as the same declared in October - December 2020 quarter. So, it's unchanged on rates for the Q4FY21. For the Savings account, the interest rate is said to be about 4 Percent. However, it will vary from bank to bank. The One year Term Deposit rate comes with 5.5 Percent. For the Two years and Three years Term deposit, the rates are considered as 5.5 Percent.    It was about 6.7 Percent for the 5 Years Ter...

 Should you buy SBI Life Insurance ? - Stock Fundamental Analysis State Bank of India, the country's largest Public sector bank and also the 43rd Largest bank in the world. SBI Life Insurance is a joint venture between SBI and BNP Paribas, the French International banking group. BNP Paribas is the eighth largest bank globally in terms of Assets.  SBI Life was incorporated in the year 2000 and then registered with the IRDAI (Insurance Regulatory and Development Authority of India) in 2001. Now, State Bank of India owns 55 Percent stake in SBI Life Insurance and BNP Paribas with 5 Percent. It is noteworthy that the BNP held a 22 Percent stake in the SBI Life Insurance earlier. There are around 26 Percent of stake with the Foreign Institutional Investors(FII) in this Insurance listed company. SBI Life insurance operates its business in the Insurance Segment in India. The Company has about 17,000 employees and 1.5 Lakh Insurance agents. The services are provided in many Corporate ...

What is your Margin of Safety - Personal Finance Lessons  The so-called 'Margin of Safety' is not  limited to stocks traded on the Stock Exchange. We need Safety and precautionary measures in the events we encounter on a regular day basis. As we approach Health and Economic issues, the question arises as to whether we have done this before. We have been hearing lines like 'Small drops make an Ocean', 'Prevention is better than Cure' for a long time. But in realty and practice, we fail to implement it and then get into trouble. Examine for yourself what your current status in the Following questions... If you or someone in your family has an unexpected Health or Financial problem, what is your immediate solution you have to overcome it ? If you are experiencing loss of a Job, what is your next Plan you have ? What is your Emergency Fund ? What is your 'All Time Prevention mode' Strategy ?  We have been saving in a single instrument for a long time and con...

  India's Direct to Home(DTH) Service - Market View Direct to Home(DTH) service is a method of receiving Satellite television through Signals from broadcasted Satellites. In India, the said live broadcast was approved by the Central Government in the year 2000. There are about 18 Crore Television and 7 Crore Subscribers for DTH service domestically. As per subscriber numbers, India is the Largest Direct to Home Market globally. There are 4 Paid service providers are on the private sector and Only one Free Service provider which is governed by the Govt of India - Prasar Bharati. Dish TV is the first DTH service provider in Indian, which was launched in the year 2003. The Free DTH service is provided by the Public broadcaster Prasar Bharati. The Four Paid service providers are, Dish TV Tata SKY Airtel Digital Sun Direct Dish TV is the part of Zee group, which have a domestic Market share of around 30.50 Percent. d2h and Zing Digital were also the product of Zee Entertainment Enterpri...

 India's unemployment rate is rising again - CMIE During the Covid-19 Lock down in India, most of the workers in the country lost their jobs. This was especially the case in Informal employment. The lock down was extended in the following months as the number of Covid cases increased.  There was no major impact in the Food based industry due to unforeseen demand. The country's unemployment rate rose 23.52 Percent in the month of April 2020, which was seen as 8.75 Percent in March 2020. This was said to be unprecedented in the History. In April 2020, the unemployment rate was 24.95 Percent in Urban areas and 22.89 Percent in the Rural. Then in the month of May, unemployment rate was 21.73 Percent. It was seen as 10.18 Percent in the end of June 2020.  It is noteworthy that this rate, which then gradually declined and was in the range of 6-8 Percent during the period from July to November this year. Most of the Companies were reported that have more than 50 Percent employee...