Share Market :Weighing Machine Vs Voting Machine..!

Investing Mantra's - Stock

Share Market :Weighing Machine Vs Voting Machine..!

In other words, the market is not a weighing machine, on which the value of each issue is recorded by an exact and impersonal mechanism, in accordance with its specific qualities.

Rather should we say that the market is a voting machine, whereon countless individuals register choices which are the product partly of reason and partly of emotion." - 

Mr. Benjamin Graham

Definition of Financially Stable People

Definition of Financially Stable People
Financially stable people are those who are in control of their money instead of  the money governing them. 
Their revenue does not essentially decide how financially successful they are, their selections and significances do.

This is one rule which is followed by all the successful people around the world.

Real Estate Transparency- Asia Pacific Is Most Improved Region..!

 Real Estate Transparency-  Asia Pacific Is Most Improved Region..!

Australia takes top spot; India’s tier-I cities move up the rankings

Asia Pacific made the greatest progress globally in terms of real estate transparency over the past two years, according to JLL’s Global Real Estate Transparency Index (GRETI) 2016. The index measures transparency by looking at factors including data availability, governance, transaction processes, and the regulatory and legal environment.

Asia Pacific is a diverse region in terms of real estate transparency. Australia continues to hold the top spot as the region’s most transparent real estate market, and together with New Zealand, is classified as ‘Highly Transparent’.

Overall, improvements in most countries across the region have been small. The biggest improver in the latest survey is Taiwan, which has moved into the ‘Transparent’ category for the first time. More moderate improvements were achieved by Japan, South Korea, India and China, with China’s Alpha cities now on the cusp of the ‘Transparent’ category. 

At the other end of the spectrum, Myanmar retains the title as the least transparent market in Asia Pacific, although it was amongst the ten biggest improvers globally.

“India has made improvements in overall transparency scores across all markets, and has achieved higher ranks for tier-I, II markets. Improved market fundamentals, policy reforms, and liberalisation of FDI into realty sector and strengthening of information in public domain were main influencers, along with digitization of land records and opening up of REITs,” says Anuj Puri, Chairman & Country Head, JLL India.

India’s low score in transaction process (e.g. high costs of investment transactions, and weak professional standards for local agents) will improve during the 2016-18 assessment period of JLL’s next Transparency Index, on account of enactment of the Real Estate (Regulation and Development) Act and establishing of the real estate regulator.

The major factor driving improvements in Asia Pacific has been the increased availability and quality of market data. For example, Sri Lanka makes a debut in the rankings for the first time and is on the cusp of entering the 3rd tier of markets from its current 4th tier. In some countries improvements have also been seen in regard to performance benchmarking, the enactment of new legislation, the introduction of higher ethical standards, and the wider adoption of ‘green building’ regulations and tools.

“These results are encouraging as they highlight the steady advance of the region’s real estate industry,” says Jeremy Kelly, director, Global Research Programmes at JLL and main author of the report “Taking Real Estate Transparency to the Next Level”.

The launch of GRETI 2016 comes at a time when international institutions, national governments and businesses are demanding greater integrity and clarity in investments and transactions. It reflects a growing recognition of the crucial role that a transparent real estate sector plays, not only as a facilitator of new investment and business activity but also, significantly, in community well-being and inclusiveness, according to the report.
Additionally, capital allocations to real estate are growing. JLL forecasts that within the next decade in excess of US$1 trillion will be targeting the sector globally, compared to US$700 billion now. This growth means investors are demanding further improvements in real estate transparency, expecting standards in real estate to be at least on a par with other asset classes.

“While the region as a whole has shown improvement, most countries in Asia Pacific are still not transparent. There are ongoing examples of poor corporate governance, opaque and corrupt practices and failures in regulatory enforcement that are resulting in serious consequences for society, for business activity and for investment,” says Dr Jane Murray, Head of Research, Asia Pacific.

“Looking ahead, the continued development of the region’s economies and real estate industry will fuel the need for future enhancements in transparency as investor interest rises and the demand for quality buildings and management grows. Regulatory reforms will be essential for further progress in transparency and although public sector initiatives are essential, private sector involvement will also be crucial.”

JLL’s Transparency Index is updated biennially and has been charting the evolution of real estate transparency across the globe for 17 years. The latest survey covers 109 markets worldwide.

Key findings:

Australia and New Zealand

Australia ranked second globally behind the United Kingdom in the ‘Highly Transparent’ group of countries. The group consists of 10 countries, including Canada, United States and France, and accounts for 75 percent of global real estate investment. New Zealand takes the sixth spot.

Singapore and Hong Kong

Singapore (11th) and Hong Kong (15th) are in a near tie for top spot in Asia in the ‘Transparent’ group, although they have not shown any significant improvement and once again have fallen just short of the ‘Highly Transparent’ category. Alignment of shareholders’ interests of listed vehicles in Hong Kong still requires improvement, while the depth of real estate data in Singapore trails many major global markets.


Progress in China has been steady, with greatest advances being in Tier 1 Alpha cities (33rd). Shanghai, which is on the cusp of moving into the ‘Transparent’ category, is a city that is fast-tracking to maturity and witnessing a structural uplift in real estate investment, development and corporate activity. It has seen a threefold increase in real estate investment since 2010.

India’s key cities (36th) are benefiting from proactive measures to increase transparency in the real estate sector. Land records have started to be digitised and made available via an online database, while the Land Acquisition, Rehabilitation and Resettlement Act (passed in 2014) has simplified procedures for acquiring land and determining fair compensation for sellers.

The Indian Parliament has passed the Real Estate (Regulation and Development) Act, 2016, which will help India move up further in the GRETI 2018 rankings as real estate regulators would be fully functional in all states by then.


Hyderabad– A fast emerging real estate destination in South India: CBRE REPORT

Realty Bytes: Hyderabad– A fast emerging real estate destination in South India: CBRE REPORT

·        Commercial office demand is expected to remain strong and will enjoy upward momentum in 2016-17
·        Approximately 16 million sq. ft. of new office supply is expected to enter the market in the next three years, IT corridor to remain dominant market
·        City to witness the completion of about 3.7 million sq. ft. of new investment-grade shopping mall space in two years
·        The availability of large land tracts in SouthernHyderabad and the proposed IT Corridors could resultin an increase in demand for housing projects
·        Locations such asKompally and Medchal in Northern Hyderabad,and Shamshabad, Adibatla and Fab City in theSouth are likelyto be key industrial markets

According to CBRE India’s latest report ‘The Comeback of Hyderabad’,Hyderabad is regaining prominence as one of the leading destinations for real estate in South India. Political stability, the state government’s proactive policies, growing occupier demand, improved infrastructure, quality educational institutions and the availability of a large talent pool have helped bring back attention to the city’s real estate market.

Anshuman Magazine, Chairman & MD, CBRE South Asia Pvt. Ltd. said, “With the various investor friendly policies initiated by the state government, and the planned infrastructure development, Hyderabad will be a destination of choice for a number of corporates looking to expand or enter the South India Market. The proposed infrastructure development planned for the city, is creating a conducive environment and will spur further investment inflow into the city and the state.”

According to the report, the IT/ITeS boom several years ago, coupled with the development of HITEC city,had made Hyderabad the preferred location for technology firms to set up their operations. While this growth was punctuated by the political instability surrounding Telangana, however the city is right back on track. In 2008, office stock stood at 23 million sq. ft. By 2015, this had doubled to approximately 47 million sq. ft.

Traditionally recognized as an office market, Hyderabad is also witnessing renewed interest for Residential, Retail and Industrial & Logistics space in the recent past. With the influx of IT professionals, demand for quality residential also witnessed an uptick. When compared to other South markets such as Bangalore and Chennai, Hyderabad continues to be the most affordable market for residential buyers, especially in the premium/luxury and high end/mid-end segments.

Ram Chandnani, Managing Director, Advisory & Transaction Services India at CBRE said, “The year2015 witnessed a marked recovery in occupier demand on the back of strong leasing activity, the timely completion of new commercial developments and investment flows across prominent suburban and peripheral markets. Industry sectors such as IT/ITeS are likely to remain the dominant demand drivers for office space in the Hyderabad, with banking / financial services, pharmaceuticals and outsourcing sectors being the other active sectors that are likely to generate demand for corporate real estate space.”

As in the case of other cities, commercial development and growth not only influences residential real estate, but also pushes the development of retail. Over the past decade, Hyderabad has witnessed its fair share of demand for high quality organized retail. Total organized retail space in Hyderabad city stood at 2.7 million sq. ft. as of June 2016, majority of which is concentrated in Western and Central Hyderabad. This is likely to go up by almost 4 million sq. ft. of additional supply in key markets over the next two years, inducing the entry of global retailers into the city.

Various National highways passing through Hyderabad make it a central point for warehousing activity, while the city’s location is ideally suited for the export and import industry. Rents in Hyderabad are the most affordable in the Southern region and occupiers which left the city during the political crisis are once again revisiting their options here. 

The Telangana government recently passed theTelangana State Industrial Project Approval and Self-Certification System (TS-IPASS) Bill, whichprovides speedy processing and clearance forvarious licenses and certificates required forestablishing industries through a single-windowsystem. This is expected to boost industrial /manufacturing / warehousing growth in andaround the city.

The resurgence of investment activity coupled with new government initiatives has prompted the revival of leasing activity over the last couple of years. Hyderabad will be the city to watch over the next few years as the potential of real estate development is huge and is yet largely unrealized.

Follow us on our CBRE India blog, CBREalty:
On Twitter: @cbre_India
And on LinkedIn: company/cbre-asia-pacific


Amritha Marshall
General Manager
T: 9810163212
Avian Media
Rahul Jain
T : 9873110866

About CBRE Group, Inc.

CBRE Group, Inc. (NYSE:CBG), a Fortune 500 and S&P 500 company headquartered in Los Angeles, is the world’s largest commercial real estate services and investment firm (in terms of 2015 revenue). 

The Company has more than 70,000 employees (excluding affiliates), and serves real estate owners, investors and occupiers through more than 400 offices (excluding affiliates) worldwide. CBRE offers strategic advice and execution for property sales and leasing; corporate services; property, facilities and project management; mortgage banking; appraisal and valuation; development services; investment management; and research and consulting. 

Please visit our website at

Netra Raksha…Jeevan Suraksha!

Netra Raksha…Jeevan Suraksha!

Pernod Ricard IndiaCharitable Foundation organizedFREE Eye testing and General Health check-up Campfor Truck Drivers to improve Road Safety

To augment the importance of road safety,Pernod Ricard India Charitable Foundation (PRICF - a wholly owned subsidiary of Pernod Ricard India Pvt. Ltd.) the leading alcobev company in association with the Telangana State Beverages Corporation Ltd., organized an eye testing and general health checkup campfor truck drivers. A part of Pernod Ricard India Charitable Foundation’s CSR initiatives,the free health checkup camptook place on June 28, 2016 at the Telangana State Beverages Corporation Limited, IML Depot, Amberpet at Hayathnagar.

For a long time now, Pernod Ricard India has been strongly driving CSR initiatives that promote road safety, responsible drinking and a clean and healthy lifestyle, especially in the rural areas. This camp in Telangana is a continuation of a CSR program undertaken by PRICF to provide health care facilities to the truck drivers across the country.

The recipients availed the benefits of free eye and health check-up amenities which included blood pressure and sugar test and access to free medicines with the consultation of certified team off best doctors from two of Telangana’s besthospitals.Specialized team of doctors from Yashoda Hospitals and proficient eye specialists from GoutamiNetralaya checked the drivers and even provided prescription eyeglasses to those who needed it. In addition to this, to cope with the scorching heat, UV400 sunglasses were also distributed to  allthe attendees of the camp.

Till date, the company has organized 15 health camps in New Delhi, Haryana, Rajasthan, Himachal Pradesh, Uttar Pradesh, Punjab and Maharashtra benefittingmore than 11,000 truck drivers.

Reiterating the company’s firm commitment to Road Safety, Sunil Duggal, Head CSR,Pernod Ricard India,said, “We at Pernod Ricard India Charitable Foundation firmly believe in the cause ofresponsible drinking and road safety..Our aim is to spread awareness and drive the right messages that will promote healthy lifestylethroughout the country. We have successfully touched 11,000 lives so far and will continue to undertake such activities for the benefit of the community.”
Commenting on the occasion, Dr. RV Chandravadan, The Commissioner-Prohibition & State Excise, Telangana, said, “The welfare of the community is of prime importance to us. We completely support Pernod Ricard India Charitable Foundation’s CSR initiative to promote road safety. We hope this camp sets an example for the truck drivers for being a responsible driver as well as being a responsible citizen”. 
Adding onto this affair, Mr. T. Prasad, Additional Commissioner, Excise Dept.,said, “We are extremely glad to be a part of such a noble initiative of Pernod Ricard India Charitable Foundation. They are doing great work in association with some of Telangana’s best doctors and wehope thatthe team continues with this initiative and positively impacts many lives.”

7th Pay Commission's recommendations - Tax free Gratuity ceiling doubled to Rs 20 lacs from Rs 10 lacs.

Union cabinet approves 23.55% increase in the Central Government employees Salary, 15% more than 7th Pay Commission's recommendations.

48 lacs existing employees and 55 lacs pensioners to get benefits.

Tax free Gratuity ceiling doubled to Rs 20 lacs from Rs 10 lacs.

Minimum salary increased to Rs 3.25 lacs from Rs 2.5 lacs.

Rs 1,00,000 crores will flow into economy on account of Pay hike.

Central Govt to Make Builders Pay 11.2% Interest For Delayed Real Estate Projects!

Central Govt to Make Builders Pay 11.2% Interest For Delayed Projects!

Going forward, for any delay in handing over possession of the real estate property to the buyer, the real estate firm will have to pay 11.2 per cent interest on the principle amount paid by the property buyer. 
The Real estate draft rules have also discussed various issues on the real estate delayed projects but the highlight of the draft would have to be the payment of 11.2% interest.

LIC Revival of Lapsed Policies Up to September 15, 2016

LIC Revival of Lapsed Policies ..

Special Campaign For Revival Of Lapsed Policies Of LIC Of India Up to September 15, 2016 

Like past many occasions, Life Insurance corporation of India (LIC of India) has come up with a new Revival Campaign with the motive of reducing lapsation of policies & renewing the relation with old policyholders.
This special campaign is from June 15, 2016 (15/06/2016) to September (15/09/2016).
During this campaign, policyholders can revive their lapsed policies with concession in the late fee and relaxation from some medical requirement.

To know the premium due for any particular policy, then send the SMS

To 56767877 (with short code)  or  9222492224 (with long code).
To know the revival amount of  any particular policy, then send the SMS

To 56767877 (with short code) or 9222492224 (with long code).

Policies which are eligible for revival
Individual life insurance policies and Health insurance policies are eligible for revival under this campaign.

Individual Policies and Health Policies which are eligible for revival in this campaign

1.     Lapsed policies under all type of plans are eligible except Micro insurance Plans. ULIP policies under Plan 802, 803, 804 ,811 which are discontinued as per policy conditions are eligible for revival. 
2.     Policies which are in lapsed condition for more than 6 months from FUP as on date of revival.

3.     Policies issued through all distribution channels except Micro Insurance.
4.     Policies which are in lapsed condition during the premium paying term and not completed policy term as on the date of revival.

5.     Policies under Plan 805 and 806 can be revived within 1 year from FUP.

6.     The revival of policies with FUP more than 5 years as on the date of revival will be done as per the rules. However, such policies will be eligible for late fee concession.

7.     Policies under all types of Health plans are allowed.

8.     Policies which are in lapsed condition for more than 15 days for Monthly mode/ECS mode and One month for policies with other than the monthly mode, but less than 2 years from FUP as on 15.06.2016 will be eligible.

Concession in late fee..!

Late fee concession will be offered depending on the status of the policy, as indicated below.

Category (depending upon status of policy)
% of concession
allowed in late fee
Maximum amount of
concession allowed
Category I [Policy status 31 (Reduced paid up policies)]
Rs. 2000
Category II [Policy status 41 (Lapsed without SV)]
Rs. 3000

1.     Concession in late fee will be allowed only for policies where policyholder pays all arrears of premium with interest and revival requirements if any, up to the date of revival.

2.     Concession in late fee will be allowed for all types of revival including SB-cum-Revival, Loan–cum-Revival, and Installment Revival.

3.     Concession in late fee will not be allowed to policies which were revived during the campaigns for the revival of lapsed policy in 2013 and two campaigns in 2014-15 and 2015-2016, where concession in late fee was granted.
4.     Concession in late fee will also be allowed under policies where no evidence of health will be required that is spot revival.

5.     Late fee concession will also be allowed where the arrears of premium for revival is in policy deposit and adjustment of the same is done during the campaign period after receipt of revival requirements.

6.     Under some plans like plan 87, 91, 128, 165, 174, 179, 184, 185 and 192 wherein the policyholder can pay one or two instalments of premium with interest instead of paying all arrears of premium, concession in late fee will not be allowed for such part payment. Needless to add that if all arrears of premiums with interest are paid during the campaign period, then concession in late fee will be allowed as per rule.

7.     For plan 903 and 904 : Waiver of interest of 20% subject to the maximum of Rs.1,500 under LIC’s Jeevan Arogya plan 903 and 904.

8.     Medical Reports are to be submitted as per existing underwriting rules.

9.    No concession in waiting period.

Concession in Health Requirements 
or Evidence of health

The policy can be revived on submission of satisfactory declaration of good health (DGH) instead of regular health requirements, provided:

1.     Premium under the policy has been paid for at least full 5 years as on date of revival and the Age of the life assured is 45 years or less as on the date of revival (nearer birthday) irrespective of sum assured.

2.     Age nearer birthday between 46-50yrs the total sum to be revved is allowed up to 2 lac.

3.     The Policy has been accepted /  revived at Ordinary rates or with extra other than on health/ build ground.

4.     In Declaration of good health (DGH) submitted by the policyholder, there is no adverse information about health or personal history.

Exclusions for granting 
concession in 
health Requirements:
1.     Term assurance plans, high-risk plans will be excluded.

2.     In addition to above plans, any policy issued with term rider or critical illness rider should also be excluded.

3.     For policies which will not satisfy the above criteria mentioned as at ‘3’ usual health requirements based on age and sum to be revived as on date of revival may be called.

4.     Policies which are not eligible for concession in health requirements, concession in late fee will be allowed as per rule.
This is an excellent opportunity for policyholders to revive their lapsed policy with concession in the late fee and medical requirements. To know more contact your LIC of India agents or visit your nearest/servicing branch.


Narendra Modi Govt Paves Way For Retail Industry’s ‘Acche Din’

Narendra Modi Govt Paves Way For Retail Industry’s ‘AccheDin’

by Mr. Anuj Puri, Chairman & Country Head, JLL India

In a major announcement that promises to revolutionise India’s retail industry and improve ‘ease of doing business’, the Modi government has cleared the Model Shops and Establishments (Regulation of Employment and Conditions of Services) Act 2015. 

This will allow all public amusement establishments with at least 10 employees – like restaurants, local markets, shopping malls and movie theatres - to operate 24x7.

This Act will have to be implemented by states. Once they have implemented it, offline retailers operating in those states will stand to benefit hugely as the Act brings them on a level-playing field with online retailers (who operate round the clock). 

This would also intensify competition between physical and virtual players but benefit consumers and the labour work force.

In the mature economies, students and unskilled/ semi-skilled labour benefit from employment in retail. The same trend is being observed in India and it is only bound to increase as women have now been allowed to work 24x7. Companies will be mandated to facilitate women with safe transportation services and other related facilities such as crèches during night schedules.

Already, Maharashtra and Andhra Pradesh unveiled their new retail trade policies, modelled along the lines of this Act, in early-2016. Late last year, media reports highlighted industry expectations of more states following Maharashtra’s footsteps in thrashing out state-level retail policies. States such as Telangana, Rajasthan and a dozen others are expected to announce their respective policies this year.

The retail sector accounts for about 15 per cent of the country's GDP and this is expected to increase further with round the clock operations.  Already, the government had announced reforms to loosen restrictions on inbound investments in retail a few days ago. Single-brand retailers like Swedish furniture giant, IKEA, and smartphone manufacturer, Apple, stand to benefit. JLL had first announced late last year that 2016 could see single-brand retail stores opening up.

These announcements – coupled with high private equity inflows into the retail real estate – look very promising. ‘Acche Din’ now seem close at hand for Indian retail and the retail real estate industry.


Warren Buffett Investing Mantra's Investors should be skeptical of history-based models

Investors should be skeptical of history-based models

Investing Mantra's 
Investing Mantra's - Stock 

"Investors should be skeptical of history-based models. Constructed by a nerdy-sounding priesthood using esoteric terms like beta, gamma, sigma and the like, these models tend to look impressive.

Too often, though, investors forget to examine the assumptions behind the symbols"

- Mr. Warren Buffett



Blog Archive

நிதி முதலீடு


Recent Posts

Latest Posts

Find us on Facebook