Vikatan Prasuram Top Sales Books in Financial Plan, Share Market, Real Estate, Commodity Tradings

Vikatan Prasuram, Chennai  Tamilnadu

 Best Selling Books in 

Financial Plan, 

Share Market, 

Real Estate and 

Commodity Tradings 

For more details 

Financial Plan - Books, Share Market - Books, Real Estate - Books, Commodity,

Over the years, mutual funds have become a strong counter force for the Foreign Institutional Investors..!

Over the years, mutual funds have become a strong counter force for the Foreign Institutional Investors..!

by Mr. A. BALASUBRAMANIAN, Aditya Birla Sun Life AMC Ltd

The Indian Financial Services industry is a proxy to the Indian economy and one of its important pillars to provide lifeline to a large growing need for funds.

In the past 10 years, it has grown by leaps and bounds. The entire financing needs of the country have moved from financial institutions to banks, banks to NBFCs and mutual funds.

Currently, there are 10,292 NBFCs registered with RBI and 43 fund houses with SEBI. With more players entering this industry, availability of funds too has increased substantially. Thus, the industry has become bigger and bigger with each passing year.

Over the years, not only has the industry grown but has also attracted higher supervision from respective regulators. As a result, financial savings incrementally moved to these intermediaries, widening the base of their overall size. It also helped bringing down cost of borrowing to the growing needs of consumers.

During the period of 2013-14, interest rates were as high as 8%, however, RBI began to cut interest rates post currency market stability. Mutual Funds played a key role in bringing down the interest rates to borrowers through investment in both money market instruments and bonds.
In effect, transmission of interest rate reduction by RBI was broadly driven by mutual funds lending to corporate borrowers in the form of CPs and Bonds.

In a similar manner, the industry has played a key role in equity market stability as well.

In fact, over the years, mutual funds have become a strong counter force for the Foreign Institutional Investors (FII). While the FIIs continue to pull out money, the Indian MFs were pre-dominantly the largest net buyer for most part of 2017-18 and 2018-2019.

NBFCs have also contributed largely in increasing the ‘penetration and reach’ to every nook and corner of the country by providing loans for various needs. A large part of the credit offtake should be attributed to NBFC’s penetration in the country.

With the continuous progress and evolving maturity of the industry, we have come to an inflection point. This inflection point is posing lot of questions on the role of NBFCs and mutual funds. Obviously, when the industry becomes bigger, complexity arises along with the size of industry and its growing related concerns.

If I consider the period of 1998, there was a huge rise in the number of NBFC players.

In the course of time, while some firms went through their own tough time, some continued to remain strong.

However, some of the players chose to move away from this business not because there were any default, but their risk appetite was less to carry on with the business. A similar event happened in the mutual fund industry during 2008 global credit crisis.

After 2008, while some chose to be in the business and some decided to move out, the industry went through a consolidation phase for a brief period, but revived on the back of strong fundamentals and growing transparency.

In this saga of events, opportunity, changes and volatility have remained constant in the entire space of financial services Industry.

While all this is true, human sentiments and behavior also keep fluctuating based on many global and local factors. In these scenarios, a question arises in everyone’s mind is whether one should panic and jump off the ship or should one stay on course to be part of the market.

In my 28 years stint in this industry, I must say, given the fact that the Industry is getting matured and is well regulated, it is prudent to stay committed to one’s investments and have confidence in the larger system. 

While some unexpected events may put a question on the fundamentals of investing and risk monitoring of the MF industry in general, it is also equally true that phases like now create higher noise levels, thus creating panic among investing public including money managers.

However, events arise out of nowhere and have a brief level of noise where we see the risk in hindsight. But it is for sure, these unexpected events, as it has happened in the past, will also get addressed along the way meticulously. While the concern is obvious and different people may have different points of view, given the way things have shaped up in the past, the noise level may stay for only three to six months.

Therefore, the current market noise will slowly get ebbed out, as we see progress in the resolution process collectively undertaken by borrowers, lenders, regulators and legal system.

It is therefore important to stay away from the noises and focus on building business/portfolio along with managing risk to be a winner in the long run.

The Author is chief executive officer, Aditya Birla Sun Life AMC Ltd.


India: GST on under-construction homes slashed to 5%...!

India: GST on under-construction homes slashed to 5%...!

Levy on affordable houses cut to 1% from 8%; definition of affordable housing changed
In a boost to the housing sector, the Goods and Services (GST) Council on Feb. 24, 2019 decided to recommend lower GST levy on under-construction homes, including in the affordable segment. The new rates will come into effect on April 1, 2019.

Under the new structure, normal under-construction houses will attract GST at 5% against the present effective rate of 12%. Similarly, the levy on affordable homes will be 1% against 8%, now. Both these levies will be without Input Tax Credit.

Also, completed flats but without the completion certificate will come under the GST regime.

“Transition rules need to be drafted carefully. The Law Committee will do that before March 10, 2019 so that it can be approved by the next meeting of the GST Council, which will be through video conferencing,” Finance Minister Mr. Arun Jaitley, who is also the GST Council Chairman, told reporters.

He expressed hope that the lower levy will give a boost to ‘housing for all’.
The GST Council also decided to re-define a affordable home. By the new definition, it will be a house / flat of carpet area up to 90 square meter in non-metropolitan cities / towns, and 60 square meter in metropolitan cities having value up to Rs. 45 lakh (for both).

Metropolitan cities include Bengaluru, Chennai, Delhi-NCR (limited to Delhi, Noida, Greater Noida, Ghaziabad, Gurugram and Faridabad), Hyderabad, Kolkata and Mumbai (whole of Mumbai Metropolitan Region). Both the conditions need to be fulfilled for the affordable home tag.
Mr. Arun Jaitley said that to prevent a slip back to the cash system, developers would be encouraged to maximise input purchases from GST-registered dealers.

“It could be 80% or more,” he said, adding that the final number would be proposed by a sub-panel of the Council.

Mr. Shishir Baijal, CMD, Knight Frank India, said the GST rate-cut, coupled with incentives proposed in the Budget and the repo rate reduction by the RBI, completes the sops for the residential real-estate market. “...the government has taken all steps to create demand and boost sales,” he said.

However, Mr. Pratik Jain, Partner, PwC India, said that developers would need to raise the base price to recover the loss of input credit.

Also, “it was mentioned that the new rates are likely to come with a condition that majority of purchases would need to be from GST-registered vendors. Therefore, monitoring the compliant vendor ecosystem would be critical for industry,” he said.


Why couples argue Top 5 reason for money clashes

Why couples argue 
Top 5 reason for money clashes

 Thanks to ET Wealth

Mr. K. MOHIDEEN MALIK, Financial Planner, Pollachi

Mr. K. MOHIDEEN MALIK,  Financial Planner, Pollachi

Nest Financial Planners
8 / 31 Kamarajar Road,
Mahalingapuram ( Post) ,
Pollachi – 642 002
Near Coimbatore
Financial Planner, 

Mobile: +91 98430 57864

PHONE No : 04259 233 864

E-Mail id :,

All you want to know about alternative asset class – P2P lending

All you want to know about alternative asset class – P2P lending

By Mr. Rajat Gandhi, Faircent

Following the global financial crisis, certain market forces at play led the way for a direct lending asset class for investors. Banks, through savings accounts or fixed deposits, provide interest rates of around 6-8%. In contrast, peer-to-peer (P2P) lending in India currently gives a net return of 18% to 22% to lenders.

This is chiefly achieved by connecting lenders directly with borrowers, something which drastically reduces the operational costs.

What P2P lending offers investors

* P2P lending in India currently gives a net return of 18-22%

* Borrowers repay principal & interest every month so there is a steady cash flow

* Investors can pursue legal recourse against the borrower in case of defaults

* By diversifying your investment across different borrowers, you will begin to mirror the overall default rate of the platform

If you are an investor looking to diversify your portfolio, here are three main reasons why you must consider investing in peer-to-peer (P2P) lending.

1. Exciting returns..!
 P2P lending is consistently delivering net return upwards of 18% per annum. It takes about 18 months and an investment of up to Rs. 10 lakh across a diversified portfolio to stabilise at 18-22%.

Add to this the fact that since borrowers repay every month (principal and interest), there is a steady cash flow coming in every month. Reinvesting this monthly inflow means an opportunity to earn even greater returns.

2. Stable asset class..!

 For an average investor, P2P lending is a good asset class of consumer credit.

P2P lending is like investing in debt; the capital risk is lower, and there exist ways to mitigate it. In case a borrower defaults, investors can pursue legal recourse against the borrower. Such a provision is not possible if you invest in stocks and bonds.

By diversifying your investment across different borrowers, you will begin to mirror the overall default rate of the platform, gaining stability and consistency within your portfolio and enjoying the returns just like a bank does.

3. Participate in India’s financial growth and inclusion..!

 The money you invest helps bring positive changes in people’s lives. People are able to come out of credit card /debt trap, a father is able to get his daughter married, a son is able to make his mother healthier, businessmen are less stressed.

P2P lending companies are giving you the opportunity to invest in and help out a fellow Indian under pressure due to lack of access to easy and cheaper credit.

A smart investor invests across various investment opportunities like equity and stocks, mutual funds, SIPs, or deposits with banks such as saving, recurring, or / fixed deposits. Alternative investments include real estate, gold, art, and P2P lending and tend to give higher returns.

To beat inflationary trends, experts recommend that 20% of total investments should ideally be in alternative investments.

About the author..

The writer Rajat Gandhi, is founder & CEO, Faircent


IFA - Independent Financial Advisor - Mr Anandkumar P - Tindivanam

IFA - Independent Financial Advisor
Mr Anandkumar P

12 A/18, Otraivaadai Street, 


UTI MF – Equity Yatra - What Fund Managers do?

UTI MF – Equity Yatra is an initiative from one of the largest fund house of the country, covering over 51 cities pan India, about 15 equity experts are reaching out to more than 10,000 financial intermediaries in less than two weeks.

UTI MF – Equity Yatra is a platform to bring forth the concepts of “What Fund Managers do?” and also explain their approach to wealth creation, there by bringing about transparency about their investment processes. This yatra is also an effort of the fund house to increase its engagement with financial intermediaries and taking their relationship to a step higher. Some of the key concepts that were discussed are as follows:

Investment Philosophy:

UTI’s Investment Philosophy in a nutshell encompasses two approaches (a) on identifying companies that can self-sustain their growth and have the ability to invest at higher rates of returns typically called growth companies and (b) on identifying companies that experiences an improving trajectory and are bought at attractive valuations, typically addressed as value companies.

Research Process:

UTI having a qualified team of research analysts has laid a well-defined frame work in the process of identifying the companies. The two key that drive the framework are the concepts of Operating Cash Flow (OCF) & Return on Capital Employed (RoCE)/ Return of Equity (RoE). As highlighted based on these two concepts, the companies in the universe are categorized into 3 tiers on both the drivers. The various investment arguments and hypothesis are built on the above categorization of the companies.

Portfolio Construction:
At UTI, it is the Fund Manager who drives the process of portfolio construction under the guiding principles of the fund mandate, security & sector weights, market capitalization limits, monitoring of allocation to companies in the tiers and their individual investment approach.

Style Discipline:

Having a style discipline is as important as picking a right stock for a portfolio. Every fund manager has set a distinct investment strategy and the essence of ensuring style discipline is the monitoring of the parameters such as P/E, P/B, RoE, Weighted Average Market Cap etc., during all phases of the market, and same can be attributed to the fund’s distinct characteristics as explained though their flagship equity funds – packaged as “UTI Power of Three”.

The funds in this focus list included 

a) UTI Mastershare Unit Scheme, an open ended equity scheme predominantly invests in large cap companies having competitive advantage in their respective fields. It follows an investment style of Growth at Reasonable Price (GARP) for stock picking

b) UTI Equity Fund, an open ended equity scheme investing across large cap, mid cap, small cap stocks. The Fund is built around the three pillars of Quality, Growth & Valuation. “Quality” signifies the ability of a business to sustain high RoCE / RoE over a long period of time. “Growth” signifies long term secular growth for the business. “Valuation” is determined by consistency in cash flow generation. The Fund would follow growth strategy with bottom-up approach for stock picking, is agnostic to the market capitalization spectrum and 

c) UTI Value Opportunities Fund, a multi cap scheme investing across the market capitalization spectrum following the “Value” style of investment. The fund would follow the “barbell approach” for its stock picking, buy what the market underestimates - Growth or Cyclicality. Sector Selection & Market Capitalisation are flexible based on valuations.


UTI Mutual Fund launches ‘ UTI MF Equity Yatra’ Target 10000 IFAs across India

UTI Mutual Fund launches ‘ UTI MF Equity Yatra’

Targets 51 cities and more than 10000 IFAs across the country


UTI Mutual Fund has launched a Unique initiative  “UTI MF Equity Yatra” which aims to reach out to over 10000 Financial Intermediaries in 51 cities across the country. UTI will be targeting Tier II and Tier III cities  in the States of Punjab, Rajasthan, Madhya Pradesh,  Gujarat, Maharashtra, Goa, Karnataka, Kerala, Uttarakhand, Uttar Pradesh,Bihar, West Bengal, Jharkhand, Odisha, Andhra Pradesh,Tamil Nadu and North East. These intermediaries have access to around 1 crore investors in the country.

During the ten days of UTI MF Equity Yatra starting February 20, 15 Equity Experts from UTI will tour the country addressing the financial intermediaries on UTI’s investment philosophy, research process, portfolio construction, market outlook and trends in the mutual fund industry and seeking to reinforce their belief in the role of equity class in creation of long term wealth for their investors.

UTI MF Equity Yatra is a platform to bring forth the concepts of ‘What the Fund Managers do?’ and also to explain their approach to wealth creation, thereby bringing about transparency about their investment processes. This ‘Equity Yatra’ is an effort of the fund house to increase its engagement with the financial intermediaries and through them to reach out to investors who need right guidance at the time of market volatility.

On the occasion Mr. Lalit Nambiar, Fund Manager, UTI AMC said,A clearly documented and articulated investment process is key to consistency in managing investors money over a long period of time. This is even more relevant today as we see investors commit to long term investments through the SIP route. During the Yatra we will highlight our proprietary process and emphasize the behavioural gaps that could impact investor experience.”

“With 150 Financial Centres, over 50,000 Independent Financial Advisors (IFAs), 302 Business Development Associates and over 1 crore investor accounts, UTI is committed to work in the best interest of the investing class during all market cycles.” he added

About UTI Mutual Fund

UTI Mutual Fund is a SEBI registered mutual fund whose Sponsors are State Bank of India, Punjab National Bank, Bank of   Baroda   and Life Insurance Corporation of India.

UTI Mutual Fund is one of the largest mutual funds in India with investor accounts of over 1 crore under its 188 domestic schemes / plans as on January 31, 2019.

Registered Office: UTI Tower, ‘Gn’ Block, Bandra - Kurla Complex, Bandra (E), Mumbai - 400 051. Phone : 022-66786666. For more information please contact the nearest UTI Financial Centre or your AMFI/NISM certified UTI Mutual Fund independent Financial Advisor (IFA) for a copy of Statement of Additional Information, Scheme Information Document and Key Information Memorandum cum Application Form. Mutual Fund Investments are subject to market risks, read all scheme related documents carefully




Land Sale-2.62 Acres-Kovilpatti-Nalattinputhur-Opp to KR Exports.

Hariohm Nagar(ON ROAD) Their price Rs 1.00 lakh per cent.Next plot is Ours.

Our price Rs 37,000 per cent
Suitable for Factory,Farms,Residential plots,Schools,Colleges.
Perfect Documents.

Contact : Er.S.Ganesh BE.98437 67636

Er.S.Ganesh BE,CEO,Maxweb Info
 30/1, Duraisamy Nagar Ext,Madurai-16,TN,India
 Mobile:+ 91 9843767636 , Phone:0452-2387636 ,Skype ID: 
 Chat Support: Add WhatsApp +919843767636 (24/7 Team ready to answer your questions)


 February 05


·         People around the world report increased civility online, including in India
·         India ranks 7th among 22 countries surveyed
·         Millennials (ages 18-34) had the highest lifetime exposure to online risks
   As part of its commitment towards online safety, Microsoft has released the 3rd  Digital Civility Index on Safer Internet Day (Feb 05). The index shows that people across the world are experiencing increased levels of online civility, including in India. India was at No. 7 among 22 countries surveyed worldwide. The India index was 59% (vs the global index of 66%), reflecting a gain of 2 points y-o-y, indicating a better level of online civility in the country. A lower index indicates lower risk exposure and a higher perceived level of online civility among the population.
The DCI is based on a survey completed in May 2018 to gauge the attitudes and perceptions of teens (ages 13-17) and adults (ages 18-74) in 22 countries about online behaviors and interactions.  It asked questions like, “which online risks have you and your close circle experienced, when and how often have the risks occurred, and what consequences and actions were taken?” —  and it measured respondents’ lifetime exposure to 21 online risks across four areas: behavioral, reputational, sexual and personal/intrusive.
The survey showed that unwanted contact continues to be the standout risk across geographies and demographics. However, teens around the world now more than ever are looking to their parents and other trusted adults for help with online risks. The report reveals several insights for India, including the following:
·         The types of risks that stood out for India compared to the global averages included: 1) receiving offensive or obscene content, 2) encountering fake news and 3) encountering internet hoaxes
·  Online risks had some of the strongest impacts on millennials and teenagers in terms of risk exposure and consequences
·         Teens matched the global average in asking for help from parents (+35 points to 45%) or another adult (+18 points to 26%)
·         29% of perpetrators of online abuse were family or friends
·         Respondents showed an increase in “loss of trust in others, both on- and offline; stress, and sleep deprivation” as a result of negative online interactions
·         Indians were most likely to encounter fake news and internet hoaxes, with 7 points higher than the global average

Please find the full India report attached for more details You can also find more details on the worldwide report:  HERE.

Digital Civility Challenge
Microsoft is also challenging people to take the Digital Civility Challenge  and pledge to adopt positive online habits and practices throughout the year.  The goal of the challenge is to support Microsoft’s long-term commitment to fostering safe, inclusive interactions online and to encourage people to be accountable for their online behaviour and to serve as a role model and/or champion for others. The digital civility actions include:
1.     Live the Golden Rule by acting with empathy, compassion and kindness in every interaction, and treat everyone you connect with online with dignity and respect.
2.     Respect differences, honor diverse perspectives and when disagreements surface, engage thoughtfully, and avoid name-calling and personal attacks.
3.     Pause before replying to things you disagree with, and don’t post or send anything that could hurt someone else, damage a reputation or threaten someone’s safety.
4.     Stand up for yourself and others by supporting those who are targets of online abuse or cruelty, reporting threatening activity and preserving evidence of inappropriate or unsafe behaviour.

The 22 countries that participated in the survey were Argentina, Belgium, Brazil, Canada, Chile, Colombia, France, Germany, Hungary, India, Ireland, Italy, Malaysia, Mexico, Peru, Russia, Singapore, South Africa, Turkey, the United Kingdom, the United States and VietnamMicrosoft hopes policymakers, companies, and consumers will consider the need for a safer, more respectful internet and leverage the evidentiary base for a global push toward “digital civility.”

Founded in 1975, Microsoft (Nasdaq “MSFT” @microsoft) is the leading platform and productivity company for the mobile-first, cloud-first world, and its mission is to empower every person and every organization on the planet to achieve more. Microsoft set up its India operations in 1990. Today, Microsoft entities in India have over 9,000 employees, engaged in sales and marketing, research and development and customer services and support, across 11 Indian cities – Ahmedabad, Bangalore, Chennai, New Delhi, Gurugram, Noida, Hyderabad, Kochi, Kolkata, Mumbai and Pune. Microsoft offers its global cloud services from local datacenters to accelerate digital transformation across Indian start-ups, businesses, and government agencies. In 2016, Microsoft opened one of its eight Cyber Security Engagement Centers in the country, to address security needs of both public and private sectors.

For media queries, please contact:




Blog Archive

நிதி முதலீடு


Recent Posts

Latest Posts

Find us on Facebook