JLL Now A Founding Member Of Ethisphere’s New South Asia BELA Chapter

JLL Now A Founding Member Of Ethisphere’s New South 
Asia BELA Chapter..!

JLL’s decade-long success as one of the World’s Most Ethical Companies has been underscored once more, with Ethisphere Institute selecting the Firm as one of the Founding Members of its newly-launched South Asia Business Ethics Leadership Alliance (BELA) Chapter.

Ethisphere’s South Asia BELA Chapter was launched in partnership with the Confederation of Indian Industry (CII) at the CII headquarters in New Delhi on 19 September 2017. The body will feature a high-profile panel of senior executives, CEOs, and trusted advisors from Founding Member companies.

JLL stands for uncompromising integrity and the highest ethical conduct – must-have deliverables for a service-oriented business. At JLL, ethical practices are inherent in the Firm’s values (TEE – Teamwork, Ethics and Excellence), mission and strategy, and guide all interactions with clients, vendors and employees.

The Firm’s Board of Directors and senior management take these responsibilities very seriously, both for themselves and the rest of the Firm. Having been recognized by Ethisphere as one of the World’s Most Ethical Companies for 10 consecutive years is testimony to JLL’s unwavering commitment and success in holding up the ethics torch.

Mr. Ramesh Nair, CEO & Country Head, JLL India says, “Ethics and integrity form a part of our long-standing commitment to our clients and staff. Having been recognized by Ethisphere as one of the World’s Most Ethical Companies for 10 years in a row, we are now delighted to be a founding member of Ethisphere’s South Asia BELA Chapter. This not only acknowledges the Firm’s commitment to corporate ethics but extends a platform for us to contribute as industry leaders towards building a better tomorrow.”

JLL’s enthusiastic participation in Ethispehere’s South Asia BELA Chapter reiterates the value the Firm sees in growing business ethics worldwide. As a Founding Member of BELA, JLL will help construct best practices in corporate ethics, based on insights shared among the members. The Firm will designate senior-level representatives who will work with experts from Ethisphere to capture, codify and communicate ethical practices that will advance business practices in the region.


MAS Financial Services IPO: Should you invest?

MAS Financial Services IPO - Should you invest?

by Mr. Suresh KP 

MAS Financial Services IPO - Should you invest in this IPO? MAS Financial Services IPO would open for subscription on 6th October, 2017

MAS Financial Services Ltd is a leading NBFC company in India which his head quartered in Gujarat. 

Its consolidated revenues grew at 26% CAGR in last 5 years. It is generating consistent […]


Commodity Options CONTRACT TERMS

4.Commodity Options CONTRACT TERMS   

Commodity Options by MCX 

India Property Show Hounslow 2017 - Ashiana Banquet Hall - TW3 3PB

 India Property Show Hounslow 2017 - Ashiana Banquet Hall - TW3 3PB

Indiabulls Home Loans London office cordially invites you and family to India 
Property Show 2017 @ Hounslow. 

Free Entry & Parking Available.

Venue: Ashiana Banquet Hall, 50-52 Bell Road, Hounslow, TW3 3PB. 5 Mins walk from Hounslow Central and Hounslow East Tube Station.

Date: 30th September & 1st October 2017 (Saturday & Sunday)
Showcasing range of properties by leading developers from Mumbai/Navi Mumbai, Delhi NCR, Gujarat, Bengaluru, Chennai, Pune, Goa, Punjab, Hyderabad and Kolkata
Properties start at INR 20 Lakhs

Call : 020 7440 1822 for more details about the event. 

Indiabulls Housing Finance Ltd. 
42 Upper Berkeley Street I Marble Arch I W1H 5PW 
Tel:         020 7440 1822 
E-mail : 



Under the 1% Cashback Product you will receive a Cashback of 1% on every EMI paid for the entire loan tenure. 

The amount of cashback will be either credited to your ICICI Bank account or will be adjusted against principal outstanding of your loan. 

The cashback amount will be accumulated on all EMIs for the first three years (36 months) and credited at the end of this period. 

Post this, cashback will be credited yearly till the loan closure.


·         Available for new Home Loan and Mortgage Loan customers
·         Cashback benefit for up to 30 years
·         Choice of Cashback through Principal Adjustment or credit to Bank Account.
·         Balance Transfer facility available
What is 1% Cashback FAQS


ICICI Prudential Capital Protection Oriented Fund Series XII, Plan C, 1270 days NFO

ICICI Prudential Capital Protection Oriented Fund Series XII, Plan C, 1270 days

ICICI Prudential Mutual Fund has launched ICICI Prudential Capital Protection Oriented Fund Series XII, Plan C, 1270 days.

 The scheme will invest in the highest rated debt securities and in equity and equity related securities. 

The minimum investment is Rs 5,000.

The NFO closes on 5 October, 2017.

Aditya Birla Sun Life Resurgent India Fund, Series 5 NFO

Aditya Birla Sun Life Resurgent India Fund, Series 5.

Aditya Birla Sun Life Mutual Fund has launched Aditya Birla Sun Life Resurgent India Fund, Series 5.

The scheme will invest primarily in equity and equity related securities that are likely to benefit from the recovery in the economy. The minimum investment is Rs. 1,000.

The issue closes on 4 November, 2017.


Indiabulls Tax Savings Fund NFO

Indiabulls Tax Savings Fund

Indiabulls Mutual Fund has launched an open-ended Equity Linked Savings Scheme (ELSS), Indiabulls Tax Savings Fund.

The investment objective is to generate income and long-term capital appreciation from a diversified portfolio of predominantly equity and equity-related securities.


BNP Paribas Focused 25 Equity Fund NFO

BNP Paribas Focused 25 Equity Fund

BNP Paribas Mutual Fund has launched BNP Paribas Focused 25 Equity Fund.
The scheme will invest in a concentrated portfolio of equity and equity related instruments of up to 25 companies and the balance in debt securities and money market instruments.

The minimum investment is Rs. 5,000.

The issue closes on 29 September, 2017

What are the special features of Options?

3. What are the special features of Options?

From Mcx 

Options give right to buyer, but no obligation, to buy or
sell the underlying.

They allow one to ‘lock in’ a future buy or sell price for
an underlying.

Options can be exchange-traded or Over-the-Counter (OTC)
Assume Mr. Matthew wishes to buy a commodity from Mr. Abdul after a month, but wants to lock in the price today.

After negotiation, Mr. Matthew enters into an ‘option’ agreement with Mr. Abdul that gives him a right to buy the commodity for Rs.10 lakh after end of one month.

To execute this option, Mr. Matthew pays Mr. Abdul a nominal amount say, Rs.10,000. After a month, either of the two situations may arise:

1. The price of the commodity goes up

As ruling prices are higher, Matthew prefers to exercise his ‘option’ of buying the commodity at the agreed price of Rs.10 lakh with Abdul.

2. The price of the commodity goes down

It is advantageous for Mr. Matthew to buy the commodity outside the agreement since prices have fallen and thus, he would let the ‘option’ agreement go unexercised and buy the commodity from outside. In this scenario, the maximum loss to Matthew would be Rs.10,000, which he had paid to Mr.  Abdul for entering into the ‘option’ agreement.

Note: Mr. Matthew has the right but not the obligation to buy from Mr. Abdul. Mr. Abdul, on the other hand, is obligated to sell to Mr. Matthew, if he exercises his option.

1. Commodity Options Do you know?


What can be underlying for Options?

2. What can be underlying for Options?


What are Commodity Options contracts?

Commodity Options by MCX

Options are derivatives instruments which gives the buyer the right, but not the obligation, to buy or sell an underlying asset/ instrument at a specific price on or before a certain date.

What can be underlying for Options?

The underlying to an option contract can be equity, commodity, foreign exchange, futures contracts, interest rates, real estate or any other asset / instrument.

For example, Gold futures contract can be an underlying for a Gold
option contract.

1. Commodity Options Do you know?

From MCX 

Commodity Options Do you know?

1. Commodity Options Do you know?

Commodity Options

Commodity Options by MCX 

 Options are akin to a form of price insurance and, therefore,
are best suited for hedgers

 Options can be bought by paying only a one-time fee / premium

 Options buyers don't have any daily margin calls

 Options buyer's maximum risk is limited to premium paid

Options  buyers can take advantage of any favourable price
movement in underlying.


Data Explosion - 3 Tectonic Shifts in Indian Real Estate..!

Data Explosion - Three Tectonic Shifts in Indian Real Estate..!

  by Mr. Ramesh Nair, JLL India

In today’s technology-driven market environment, data rules – and for India’s real estate market, the importance of data was underlined in bold strokes by the implementation of RERA. No longer are we talking about ‘my data vs. your data’ – now, the most pertinent data related to real estate projects will be available to all.

As more and more projects are registered under RERA, there will be a lot more data on real estate projects and markets - earlier classified or confidential with developers or real estate consultants - available in the public domain. 

The data now being made available provides granular insights on projects as well as their promoters. 

It includes previously vague or completely hidden information of great pertinence to end-users, investors and market watchers, such as project construction status, the number of apartments completed, booking status, proposed date of project completion, project infrastructure status in terms of water supply, internal roads, available car parking, etc.

With so much highly pertinent information now available in the public domain, possession of data per se can no longer be a unique selling proposition for any real estate player – the ‘data monopoly’ is finally broken.

There will be fundamental shifts in real estate data and analytics due to RERA ‘forcing’ such data into the public domain. 

Apart from RERA websites, data is appearing online through new technology tools and social media.  

We are looking at three fundamental shifts:

1.   New headline numbers and deeper, more accurate insights:

The market will yield ‘headline numbers’ which all major market stakeholders will accept as they will be corroborated by Government data. 

These will be ‘big picture’ numbers like the aggregate city-wise absorption, upcoming supply and vacancy levels.    

Today, we accept the Government’s inflation readings or census survey numbers for population as sacrosanct. 

Likewise, these ‘big picture’ numbers which emerge for residential markets will be universally accepted. Data discrepancies among existing data owners will be addressed through a new reference point - Government data.

Deeper and more accurate analytics will become the order of the day. With easy data availability, firms will now be able to ‘crack the code’ by analyzing granular data for better business decisions. 

The analysis and interpretation of this data will become the subject matter of debate at various forums, as major variations in data per see will no longer exist.

This will bring with it increased importance of field surveys, which highlight possible future trends – an input most investors will look for more keenly. Surveyors will be equipped with the right kind of big data to use in on-field surveys to analyze trends in the real estate sector. 

For the consumer, the availability of such data will obviously mean much better-informed decision making.

2.   Social media analysis will become a major game changer:

The ability to predict human behavior through qualitative data analysis of social media like twitter feeds and ‘likes’ on Facebook and YouTube videos, and similar trends, will be the next big game changer for the real estate sector. 

Social media data will help in understanding and evaluating data coming from formal sources, and guide researchers towards a more predictive approach.

For example:

  • The average number of tweets originating from a city related to food and entertainment over a specified period can guide F&B operators to build more in this direction                                                                                                    
  • A huge interest in sports in another city can provide valuable cues to sports retailers and theme-focused real estate developers.                                           
  • An office building with its own cafeteria generating social media debates between the relative merits and demerits of pizza and sandwich outlets or traditional South Indian fare can help analyze the food preferences of local staff and visitors.

To be effective, intelligent analysis will necessarily require a mix of both social media and conventional stock, occupancy, vacancy and price data.
While the retail and FMCG sectors have already become very active in analyzing social media, real estate players will also benefit from getting aggressively into this domain.

3.   Empowerment through information technology-led data:

Google Maps is probably the most widely-used app because it addresses a core need. Similarly, map and satellite images provide 3D, real-time experience of office spaces provided to clients. 

While ‘walk-throughs’ by developers are now commonplace in India, higher forms of IT-led experience are already available in other countries and will soon make inroads into India.

The ‘look-touch-feel’ factor, currently very  much talked about in retail spaces, will soon have a stronger presence in other real estate segments. While drones to capture 3D views and images will gain popularity, CRM tools for capturing data, business development tracking tools for brokers and new apps for capital markets should all become a reality soon. 

Use of predictive analytics and data science, coupled with modern-day BI tools, will be used more and more to analyze, self-serve and visualize the data.

With new technologies, consumers will be increasingly empowered to experience the spatial dimension of real estate like never before. 

Between acceptable headline market numbers, more accurate social media analyses and technology-driven real estate ‘experiences’, we are indeed on the verge of a tectonic shift in the market.

About the author

 Mr. Ramesh Nair - CEO & Country Head, JLL India


5 Minute Mini-Lessons - What Is Term Insurance? (In Tamil) By Mr. Chokkalingam Palaniappan

5 Minute Mini-Lessons - What Is Term Insurance? (In Tamil) By Mr. Chokkalingam Palaniappan Prakala Wealth Management Pvt. Ltd, Chennai Visit


SIP, IN SIMPLE TERMS, POWER OF COMPOUNDING Sundaram Mutual SIP Unearthing opportunity

Equity Investment is Hedge Against Inflation and Income Tax..!

Equity Investment is Hedge Against Inflation and Income Tax..!

By Ramdeo Aggarwal

Equity is hedge against inflation and tax:

Purchasing power doubles in equity investing in 7 years while it happens in 70 years for fixed income

Focus on market cap rather than price because price keeps changing due to splits and bonuses etc

What is the quality of entrepreneurship underlying the businesses
Every country has different way of making money

Valuation: 50% present data based and balance 50% on growth based on future scenario etc

Indigo is a great company and does not need money to grow (Buffet Model

Only 350 companies are worth investing out of 6500 companies

Time is friend of good company and enemy of bad company

Tailwind Investing: Affordable housing, AMC, Pvt Banks, Automotive etc in current scenario

Requires Vision, Courage and Patience

Great Number One companies in sector usually have 45 to 60% share of the market e.g Maruti, Hero Motors, Tata trucks, Asian Paints.


They seem to be born under special planetary combination.
Selection Criteria:

Winner Categories: Consolidated sector plus Scalability like software on 1997
Category winner: Entry barrier Plus great Mgt like Infosys

Great Investment: Category winner Plus Reasonable Valuations

Find a company which is going to make a lot of money. For them following companies did it:

1. Vysa Bank (1991)

2. Hero Honda (1996)

3. HDFC Bank (1996)

4. Infosys (1997)

5. Bharati Airtel (2003)

6. Eicher Motors (2012)

7. Ajanta Pharma (2013)

8. AU Financers (2007- Pvt. equity)

9. While lost in Mastek (2000) and Future Technologies(2014)

I visit and see how the Company treats its staff because that is how they are going to treat the minority shareholders who are also like peons;
For well-run AMC, I can pay 65PE value

There are some businesses where you can plan like HFC while in others you cannot like brokerages, AMC etc. In former you can have specific targets and achieve them like PNB Housing Finance. Whatever the Mgt guides reduce it by 20%.

Understanding the business mean what will be the shape of the business after 15 to 20 years not how they are making money now.
Those businesses that have tail wind are like speeding trucks; do not ever try to come in front of them

So long as the company is doing well, sit tight
Scuttle but: dealers in tier II and III can teach you much more about businesses and their managements than the Mgt meetings
Invest in long term strength of the business

Basic Spend and Discretionary spend: Discretionary spend will go up ten times while the income just doubles Earlier 900+100 after income becomes double then it is 1000 + 1000 that is ten time spend on discretionary’ It is an exponential opportunity. People will buy cars more than mobikes like in China;

Ultimately the value creation in market cap matches with the earnings growth;e.g Infosys 45 % and 44.5% respectively. 80% of page Industries increase in market cap is due to earnings growth and balance due to pe expansion.

The next trillion dollar addition to GDP happens earlier than the previous addition. In India 

First Trillion: 60 years

Second: 2015-2008= 7 years

Third: 2020-2015= 5 years

Fourth: 2023-2020= 3 year

Recommended Books: 

• Common Stocks Uncommon Profits: Fisher

• Competitive Strategy: Porter

• Berkshire Hathway letters to shareholders

• Value Migration: Adrian Slywotzki

• Value Investing- Buffet and Beyond

• Expectations Investing: Alfred Rappaport and Michael J Mauboussin
Sensex went up 106 times in 30 years CAGR of 17% ( Dec 84- Dec 14) From 260 to 27602.



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