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The automobile industry in India is one of the largest automotive markets in the world. The industry contributes around 7 % of the country’s Gross Domestic Product (GDP). In past, the Government of India has taken various measures and initiatives to promote and to ensure the growth potential in this sector. It is one of the main drivers of ‘Make in India’ initiative. 

Currently, there are host of indirect taxes applicable on the products and various allied services rendered by this industry. Like, Excise on manufacturing on cars and spare parts, VAT on Sale and service Tax on rendering associated services like servicing and repair work. GST, a comprehensive indirect tax on goods and services, is all set to subsume host of indirect taxes, it becomes extremely important for businesses in this sector to understand the impact of GST on various operations and process. 

The impact of GST on the Indian automobile market is going to be manifold. Let us have close look at impact of GST on Automobile Sector.

Impact of Input Tax credit :

Under Current Indirect tax regime, on sale of vehicles, spares and accessories, the following duties and taxes are applicable: 

• Central Excise Duty and Additional Excise Duty 
• Infrastructure Cess : On sale of Vehicle 
• CVD and Additional Import Duty : Import of spares and accessories
• VAT/CST : VAT on intra State sales and CST on Interstate sales

Today, a dealer is not allowed to claim input tax credit of all the duties and taxes listed above except VAT. Also, for a manufacturer, CST and other State levies like entry tax, paid on procuring the raw materials is not allowed as input tax credit. Thus, the business are forced to add this as a product cost and this in turn leads to cascading effect and increase in the product price. 

GST allows seamless availability of input tax credit across supply chain- Right from Manufacturer till it reaches final consumer and across the State borders. This eliminates the cascading effect of taxes in the supply chain and as a result, the product will be cost effective. This reduction of product cost will lead to reduced price, increased demand and therefore, contribute to the growth of the business in this sector. 

Bottom line Impact :

Under Current regime, taxes paid by an automobile manufacturer or dealer on business overhead like advertising services, business promotion etc. are not allowed as Input tax credit. Under GST, with the introduction of business concept “Used or intended to be used in the course or furtherance of business” the business can claim input tax credit on business overheads. This will help the business in reducing the cost of operation and increasing the profitability. 
Impact of working Capital 

Supply being a taxable event in GST, the vehicle transfers between the branches will be taxable. This implies, on the date of vehicle transfer, GST needs to be paid. Through the business are fully eligible for tax credit, for a period between vehicle transfer and the sale date, the funds will be locked. 

In this sector, it is very common to receive the vehicle booking advance. Today, dealer is not required to pay tax on the date of receipt of advance. However, in GST, on the date of receipt of advance, dealer is required to pay GST. The taxability of advance will have a dent on their cash outflow.

Impact on Valuation :

Today, on sale of vehicle, a dealer charges for various ancillary services which are bundled with the vehicle like additional accessories, registration, extended warranty, insurance etc. Under GST, the concept of bundling of two or more goods or service or a combination is referred as mixed supply and Composite supply. In determining the rate of tax applicable on mixed supply and composite supply, different principles are applied. Therefore, it becomes, very important for dealers offering bundle of services or goods along will vehicle to understand the implications of mixed supply and composite supply. And accordingly take suitable measure such that benefit is passed on the customer. 

Secondly, a manufacture provides discounts to dealer based on the targets, Year-End sale, and special occasion discounts etc. Generally, these are post supply discounts and under GST, these discounts will be allowed as deduction from transaction value only if discounts can be linked to specific invoice(s). Hence, the business need to re-look the discount policy to avoid paying taxes.

GST is expected to be implemented in July, 2017. Businesses needs to understand the implication of GST on various business operations like procurement, pricing, sales strategy etc. and ensure that the suitable measures are in place, which is crucial for smooth transition to GST.

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The Goods and Services Tax (GST) is beyond doubt the most revolutionary tax-related reform to be seen in India in several decades, since it will eliminate the conflicting and cascading taxation structures which have confounded several industries over the past few decades. It will most certainly have a profound effect on India’s economic prospects.  

A single indirect tax which covers all goods and services will, in the long run, increase tax collection by making it easier for retailers and several other businesses to comply and also moderate overall taxation levels.

Impact on Residential Real Estate:

Under-construction real estate is covered under GST through works contract and classified as a service. The GST tax rate for under-construction real estate has been set at 12%. Also, it has been clarified that input tax credit will be available for developers to take advantage of and pass on the benefit to the buyers under the anti-profiteering clause of GST.

Impact on developers:

Tax is now 12% with full input tax credit available to developers on construction materials. The final bill is likely to be the same or marginally higher, varying across states as clarity on abatement rules has still not been provided. Some change in terms of changing market dynamics has already brought about a change in developers’ workings. 

Impact on Rental Housing:

Other doubts pertain to the rental housing market, which would naturally be impacted if the Government were to tax residential leases under GST. The common apprehension is that if this were to happen, the rental housing segment may see a huge slump over the medium-term, since residential leases are currently not taxed at all.

Rental yields in major cities are already at around 2-4% on average. Being already low, we would expect rents to hold or maybe decline due to an increase in housing stock. Most investors in the residential sector do not invest for rental yields but rather for the capital value appreciation, so even a drop in yields would not independently impact sentiment. ST is not applicable on rental housing.

Impact on Commercial Real Estate:

Under-construction real estate for sale purposes will attract GST at 12%. This likely to be tax-neutral to slightly negative depending upon states’ prevalent service tax and VAT rules.  For commercial leases, the GST does not talk expressly about this service and hence it is covered under 18% tax rate with full input tax credit and this should turn out to be neutral for this sector. 

Impact on Affordable Housing:

Affordable housing is currently exempt from service tax. It is likely that the government may come out with a clarification regarding the applicability or continuing exemption under the GST.

Impact on Affordable Housing:

Affordable housing is currently exempt from service tax. It is likely that the government may come out with a clarification regarding the applicability or continuing exemption under the GST.

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India is a nation consisting of people from the poor/middle class and hence will be careful in spending their hard earned money. Simply earning is not good enough; you must also know to effectively channelize your savings in a logical fashion.  

Financial Advisors @ Moneymindz is unique, as it is India’s top financial advisory company assisting people of India in offering financial freedom and advisory mobile applications. Moneymindz is India’s largest financial search engine offering free advices. Many people have been educated @ Moneymindz, regarding financial concepts and financial products under one roof.

An unbelievable financial advice can make a vast difference in your life. Pick up your mobile and give a missed call at 022-62116588.

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Insurance is the major component of any financial market. Everybody likes to make quick money. Hence, insurance agents, having greed for incentives, will try to get more customers at any cost.

Ways  A Good Insurance Advisor Can Mislead You:

Some of the ways in which a good insurance advisor can mislead you are as follows:

Insurance Policy Do Not Match:  You will call the insurance company and person visits your house. You will take up policy, after being mesmerised by the advisor. Later you feel that policies do not match your requirement, and can be very disgusting at times. You will become a victim of Mis-selling.

Hiding Facts: The insurance agent, like to hide negative aspect of the insurance. This will put the customer in a fix and will not get full info on insurance.

I have an Insurance, Hence I’m Safe:

Many people in India think that, since I am having the insurance, I am safe. However, that is not the situation, because various insurance is available for various situations. Hence as a smart customer you must be alert, and choose your insurance smartly.

Sweet Thieves: Insurance companies, where the agents are working will have a bad reputation. At this juncture, company forces the agents to sell products/services using various tricks in the books.

Misleading Advertisements:  You should be on guard against bad advertisements/pamphlets and banner ads. Bad advertisements can destroy reputation of the company, your work.

Bogus Company: Company, where the insurance agent belongs will not be present in India. They will try to attract the customer with extra- customer service. Fraud deals can happen at any situations.

Fake Agents: Most of the agents are very corrupt and will pull up customer’s database and sell the insurance policies. The agents will not have proper license to even take up the position of Insurance advisor.

Super Commissions:   To get extra commission, insurance agent takes multiple applications from a single person. You will have serious problem looking and analysing statements of the policies and will get confused.

Hence you can give us a missed call at 022-62116588 and we will guide you

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MoneyMindz.com India's First Free Online Financial Advisors Financial Advisors
MoneyMindz.com India’s First Free Online Financial Advisors

Education makes a nation strong and more than 90% of Indians are literate. Demand for skilled/educated people for any executive position and beyond has increased and nothing better than quality education. Moneymindz.com is India’s largest financial search engine offering guidance in giving the education loans.

Vitality Of Educational Loans:

A good education loan is the need of the hour in India. Students, not able to pay for higher end courses can get the loans from various banks like State Bank Of India, Indian Bank, Bank Of Baroda, Corporation Bank, Vysya Bank, HDFC Bank, Punjab And Sindh Bank, Andhra Bank, Syndicate Bank, IDBI, ICICI Bank, Bank Of India and other financial institutions in India. Moneymindz is assisting the students in India, to get quality educational loans, without any hassles.

Document Required In Detail For Taking Up Educational Loans in India:

You need the complete documents for taking up the educational loan like:

  • Driving License.
  • PAN Card.
  • Passport
  • Bank Account Statement.
  • Latest Electricity Bills.
  • Latest Mobile Bills.
  • House Rental Agreement.
  • Copy of Admission letter of the college/universities.
  • Xerox of Mark Sheets of SSLC, PUC and Degree Courses.

Conditions To Be Full-filled While Taking Up Education Loan

Some of the conditions to be full filled while taking up educational loans are:

  • Must be a citizen of India
  • Copy of admission letter
  • Must be a recognized course from recognized university
  • Expenses for the course
  • 4 Passport size photographs
  • Statement of bank account for last six months
  • Details of expense of the courses

Duration To Complete Educational Loans:

Maximum tenure to complete educational loans is given below:

Loans up to 8 Lakhs—–Repayment will be up to 10 Years

Loans above 8 Lakhs—- Repayment will be up to 15 Years

Why Choose The Educational Loans In India?

Education is the ideal foundation to have a complete and successful life. Reason behind choosing the successful educational loans in India would be:

Expensive Education:  Cost of education has increased considerably. Due to inflation cost of your son/daughter’s education is challenging to bear. Good education loan helps in overcoming any hurdles.

Easily Available:  Most of the education loans are easily available in India. All public sector banks are offering education loans in India. Your ability to repay will also be taken into consideration.

Advantages of

Good Educational Loans In India:

Some of the advantages of a good educational loan in India are as follows:

  • Anybody having burning desire to study can apply for educational loan
  • Females, and disabled persons are offered concessions in educational loans
  • Loan amount will vary from approx 10 Lakhs to the maximum 20 Lakhs
  • Loans below 4 Lakhs does not require the role of guarantor
  • Loans above 7 lakhs will require security
  • Educational loans are offered to people, willing to take up academic courses in India and foreign nations.
  • Government is sponsoring their unique scheme “Central Scheme Interest Subsidy”, to assist economically backward sections
  • Applicant can repay loan after studies, and locking period is approx 5 or 7 years.
  • Students taking up educational loan will understand value of money.
  • Student will develop excellent credit history, if he/she repays loan on time.

So, indirectly one can have a good financial planning, if one is able to clear a education loan on time.

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MoneyMindz.com India's First Free Online Financial Advisors Initial Public offering (IPO)
MoneyMindz.com India’s First Free Online Financial Advisors

Process of offering the shares/stocks to the people of India is     known as IPO. A unique situation, in which owner of a firm, will offer the ownership to its shareholders.

Who Can Offer The IPO:

Any company cannot offer the IPO. Only some companies in India are following the requirements as per SEBI (Securities And Exchange Board Of India) and companies act can issue the IPO. Some of the conditions are as follows:

  • Good track record of the distributable profits for three years.
  • Company is having a net-worth of approx 1 Crores in the last 3 years.
  • Company and its associate must clear The SEBI guidelines.
  • You must have distributable profit for at-least three years.
  • Net tangible assets must be INR 3 Crores for the next three years
  • You must obtain grading of the IPO from one or more credit rating agencies.
  • Make sure that the paid up equity shares of the companies has been full paid.
  • Company must have a website
  • Post paid up capital of the firm must be at least INR 5 Crores.

Advantages of IPO in India:

Some of the advantages of the IPO in India are given below as follows:

  • Access to the evergreen capital markets in India.
  • Helps the small business founders and capitalists with the chance to take out early investment.
  • Helps the business house to have good public awareness.
  • Company gets recognized and can go for mergers and new acquisitions.
  • Encourages company to be transparent on various issues, by showing all information in the newspapers across India.
  • Helps the company, big/small to have good relationship with customers, suppliers and lenders, to enhance the credibility.
  • Assists companies to have very good/energetic incentive packages for the employees and the management.
  • Public can assess the growth and development of the individual.

DISADVANTAGES OF GOING PUBLIC WITH THE IPO (INITIAL PUBLIC OFFERING)
Some of the negative points, relating to the IPO are mentioned below as follows:

  • Launching an IPO is said to be very expensive.
  • Company will lose all critical information and hence lose control over its resources.
  • Working style of the firm and business tactics will come to the fore.
  • Shareholders will ask for a major share in the company business. Refusing to do it lead to takeovers.
  • The Company loses its flexibility and management will become weak.
  • Marketing strategy and cost will be very heavy on small and average enterprises.

How Initial Public Offering (IPO)Works:

IPO is a very challenging process and procedure is mentioned below as follow:

  • Companies hire an investment bank to do underwriting, a way of raising money, using debt or equity.
  • Underwriters acts as mediators between the public and companies.
  • Company and Investment bank will negotiate regarding security issues and other management related issues.
  • After finalizing the deal, investment bank set up registration statement, submitting the details to the Securities and Exchange Commission (SEC).
  • Registration details consist of company details like core policies, management, financial statements, vision, mission, core issues.
  • Securities and Exchange Commission takes some time to study documents and examine all the documents.
  • After the approval, a date is finalized in which, company will offer the stock to the public.
  • People get appointed like the underwriters, who get commission of 2.5% on underwritten amount.
  • Registers process the application form calculate amount and initiate allotment process.
  • An experienced member of the Stock Exchange is appointed as brokers for marketing purpose. They receive max brokerage charge of 1.5%.
  • Company appoint lawyers to make sure all regulations are complied with.
  • A draft prospectus is created giving info about the company, founders, partners, terms and conditions, modes of financing, profit and loss statements and others.
  • Senior Manager verifies claims and details are filed with SEBI.
  • Prospectus along with the copies of the agreement entered into with underwriter, lawyer, managers, registrars and brokers is filed with the register of companies, where the firm is located.
  • Application form and prospectus are circulated to CEO, MD, Board of Directors, Bankers, Underwriters, and Brokers as well.

Companies in India, big or small, would like to go in for the Initial Public Offering (IPO).

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MoneyMindz.com India's First Free Online Financial Advisors Stock Market Information
MoneyMindz.com India’s First Free Online Financial Advisors

You will not like to work in a company for your entire life. Trust me, after some years you will feel like controlling your finances by establishing your business. Nothing better than Stocks, will give you a clear picture of the business in India.

Stock : A unique kind of security / share of an organization that is held by a person or a group is known as the Stock.

Kinds of Stocks:

There are two kinds of stocks, that are available in India namely the

Common Stock: A unique kind of stock,that encourages the owner to vote at meeting of the shareholders, and receive the dividends is known as the Common Stock.

Preferred  Stock:  A unique kind of stock, encouraging the shareholder to a fixed amount of dividend, where payment takes over other share of the dividends is known as the Preferred Stock.

Major Things To Know Before You Go In For Stocks:

Some of the criterions to be followed before one goes ahead and purchases the stocks are as follows:

  • You must have a proper Pan Card.
  • You must be an Indian Citizen.
  • One must apply for a Demat Account.
  • You must check for the way stock prices are set.
  • One must buy shares when cost is low, and sell the share, at the time when cost is very high.
  • You must understand the bidding in stock market and check for the actual prices of shares.
  • Be careful relating to the trading scams/fraudulent activities.
  • Must do technical analysis like doing deep study of charts, bar graphs, index graphs and pie charts in a logical fashion.
  • Do not make huge investments.
  • Choose the correct stock market broker.
  • Select the share, that has profit in the coming years.

Most of the investors are sticking to the traditional companies offering good stocks/shares in the financial markets.

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MoneyMindz.com India's First Free Online Financial Advisors Trading account details

MoneyMindz.com India’s First Free Online Financial Advisors

Various types of account are present in India and trading account is said to be one of them. Account prepared to determine the gross profit/gross loss of a business enterprise is known as the trading account.

Need For Trading Account:

Trading account is fast creating waves in the ever changing financial market in India. Growth of small and big business has led to the increasing need for the trading accounts in India. Some of the major reasons would be as follows:

  • Gross Profit is major factor and must meet the expense of the company.
  • Helps in obtaining the amount of net sales of a company.
  • Gross profit from the net sales can be utilized from the trading accounts.
  • Percentage of gross profits on net sales could be easily ascertained from trading accounts.
  • Stock turnover ratio can be easily ascertained by trading account.

Major Advantages Of Trading Account:

Some of the advantages of trading accounts are as follows:

  • Shows relationship between gross profit and gross sales to measure profit.
  • Helps to show ratio between the goods sold and gross profits.
  • Helps to avoid direct expenses, and takes the expenses dealing with making products.
  • Helps you to analyse new platforms and understand your trade/markets.
  • Gives details about various trading activities in the markets.
  • Details about the over-stocking/under-stocking can be known in order to act in a rational manner.
  • Progress can be analysed relating to gross profit ration, year after year.
  • Excellent stock turnover ratio can be determined from trading account.

Disadvantages of Trading Account:

Trading account is the major factor of our economy and some of the negative points are:

  • You require huge brokerage charges in setting up the trading account.
  • Loss one incurs will be a huge one and difficult to come back.
  • Less control on your investment.
  • Less knowhow, resources and the lack of professional knowledge can hamper your investments.
  • Markets are very unpredictable and hence experienced traders will find themselves in troubled waters.

Hence I would recommend everybody to have the complete financial knowledge on their fingertips, before venturing into trading account.

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Managing large amount of money, by the large companies and government is known as finance. Various kinds of account are present in the financial market and Demat account is the major one.

What Is Demat Account?

A unique kind of deposit where in one can store and maintain investors details in an electronic format are known as the Demat Account.

India is having depositories like the NSDL (National Securities Depository Limited) and CSDL (Central Depository Services Limited) to have proper transfer of the securities.

Need For Demat Account:

Opening the Demat account is the major component of the online trading. After recession in 2009, Indian economy is having an upward movement to a great extent. Income of the people, standard of living of the people has increased considerably. Due to high salaries, people like to venture into the stock and share markets. Demat account is a unique form where in, investment can be handled by small investors in a logical manner.

How to Open A Demat Account:

In order to open a Demat Account, you must follow certain steps given below as follows:

  • You need to get in-touch with the registered Depository Participant.
  • Please fill up the account opening form.
  • Submit all the relevant documents with 4 passport size photographs.
  • Carry the original documents for verification.
  • One must pay some annual maintenance fees for maintaining the account.
  • You can open the Demat account with limited balance of the shares.
  • You need not have any balance in your account to open a Demat Account

Why Demat Account With Banks?

A good Demat account can be opened with various banks in India and features will be:

  • Low Fees.
  • Email Statement.
  • Accessing Demat Accounts through mobiles and internet.
  • Valuation of Account Statements.
  • Online Execution of Various Transactions.
  • Free charges for any transactions done.
  • Free alerts on your mobiles phone through SMS.

Various Documents Required For Opening A Demat Account:

Various documents are required to open a Demat account and they are:

Proof Of Identity:  Various documents are required for opening Demat Account. Documents like the PAN card, Passport, Driver’s License, Income Tax Returns, Mobile and telephone bills and the ID card where one works, whether government and private establishments are working must be produced.

Address Proof:  You would require various kinds of address like the Voter ID, Ration Card, Bank Passbooks/Statements, Xerox copies of electricity bills; House rental agreements must be deposited.

Components Of The Demat Accounts:

Some of the major components of Demat Accounts are as follows:

  • Investors
  • Depository
  • NSDL (National Securities Depository Ltd)
  • CDSIL (Central Depository Of Security India Limited)
  • Depository Participant
  • Issuing Company

Benefits of Demat Accounts in India:

Some of the benefits of Demat Accounts in India are given below as follows:

  • Easy and Convenient.
  • Transfer of Securities is very easy.
  • No stamp duty involved in the transfer of securities.
  • Zero restrictions on various transactions.
  • You will receive bonus share and it gets divided automatically.
  • Ideal for gold exchange traded fund, mutual fund, shares, and debentures as well.
  • Good for people to keep track of their investments.
  • Reduces the cost.
  • Interest on loans against Demat shares are lesser compared to physical shares.
  • Reduces the risk of the bad deliveries.

Disadvantages of Demat Accounts In India:

Some of the major disadvantages of the Demat Accounts in India are as follows:

  • You need to be expert in various financial products.
  • Trading in securities will become uncontrolled.
  • Investors will find the process too complicated, creating great fear of investment.
  • You need to be too sharp to monitor market fluctuations and make sure that trading does not affect investors.
  • Various rules/acts need to be adhered to in using Demat Accounts like the Depository Acts, Regulations Acts and others.

So, one can say that Demat Account are fast picking up in India and people are slowly getting interested in this form of account.

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Imagine you are an investor and would like to invest your hard earned money. You are confused with various options around you. You do not know, where to invest, where to channelize your hard earned money.

Big problem isn’t it? However not to worry we, at Moneymindz will offer you one stop solution to your financial worry. Mutual fund is the best bet among various financial products that are available in India.

What are Mutual Funds?

A unique investment tool consisting of the funds collected from various investors and used in investing in stocks, shares, bond, money markets tools and other related assets is known as the Mutual Fund. A good mutual fund is structured in order to have a good investment in India.

Guidelines To Choose Best Mutual Funds In India

Various mutual fund companies are set up in India and the guidelines to select best mutual fund companies in India are:

Good Performance:  You must select the right mutual fund company, by looking at its performance over last 5 years. SENSEX and NIFTY will be the yard stick of measuring performance.

  • If the mutual funds are giving huge returns compared to target set, then it has performed well
  • If the mutual funds are on par with the SENSEX/NIFTY, then it is neutral performance
  • If the performance is below the SENSEX/NIFTY, then it has performed very badly

Read Scheme Document: One must be very alert and read the complete scheme related document, before making investment in Mutual Fund.

AUM(Assets Under Management)

The total market value of the assets, used by the financial establishment, on behalf of investors is known as the AUM. Assets under Management do rise and fall depending upon market scenarios.

Ranking By CRISIL (Credit Rating Information Service Of India Limited)

CRISIL, an agency established in India in 1987, headquartered in Mumbai, is very good in financial advisory/analytical services to various banking and credit companies in India. Ranking by CRISIL is vital and ranking starts from 1 to 5. Ranks 1, 2 and 3 are the best ranks for investment.

Long Term Growth:   One must invest in mutual funds having long term growth. Otherwise returns will be very bad.

Benefits of Mutual Funds:

The major benefits of the mutual funds are given below as follows:

Professional Expertise: A good mutual fund service, in India will be assisted by a professional expert. You need to study all dynamics of the market, and study research patterns in India.

Diversification: You need to have great variety in dealing with the mutual funds in India. One can go ahead and invest in various kinds of mutual funds. Debt market in India is not good and do not have good returns. One could invest in Gold, Real estate and securities in India to have finest diversification.

Risk Reduction: Mutual fund is the ideal one in       removing overhaul risks. Mutual fund has some investment goals, and do play a vital role in mitigating risks.

Convenient Option: A good mutual fund is an easy process and a very convenient option in India. Investors can invest in mutual funds based on their investments.

Low Cost:  A mutual fund is very cheap and do not require huge amount to be invested. One can begin a systematic investment plan with INR 300 and still reap rich benefits.

Awesome Tax Benefits: A good mutual fund will have long term tax benefits in India. After investing in low risk products like cash/liquid funds, you will receive good returns.

More Vital Info On Mutual Funds In India

Interesting information is available relating to the mutual fund like:

  • Mutual funds are ideal for any person with minimum knowledge of financial markets.
  • Net Asset Value (NAV) is the market value of securities held by scheme under mutual fund.
  • Price an investor pays for investment and becomes a major part of profit/loss calculation is known as Purchase Price.
  • Price or NAV (Net Asset Value) in which issuing firm will purchase security/units before the maturity date is known as Redemption Price.
  • A fee charged by mutual fund, if investor likes to withdraw the investment within specific period is known as Exit Load.
  • Scheme related document and statement of additional information is vital to investors and gives insight into companies past performance and policies in particular.
  • The NAV (Net Asset Value) is declared in evening on or before 9 PM IST.
  • One can download application form from the website, or approach the bank.
  • Present Value of Investment (POV) is the current value of a sum of money going to be invested in future with a specific rate of return.
  • You will receive account statements immediately through email/courier, the moment you register with any mutual fund firm.

BENEFITS OF SYSTEMATIC INVESTMENT PLAN (SIP)

The advantages of the Systematic Investment Plan are as follows:

  • Lowers risk factor and hence investor can do a comeback.
  • Can be launched with small amount of money.
  • Helps in achieving long term financial goals.
  • Encourages regular investment among people in India.
Invest wisely with us. Please give us a missed call at
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