Bull market is longer than Bear market. Last 17 years, only 3 years turned negative for equity market

Bull market is longer than Bear market. 

Last 17 years, only 3 years turned 
negative for equity market.

As on December 2019

Post Office Schemes Interest Rates – January to March 2020

Post Office Schemes Interest Rates – January to March 2020

Ministry of finance (MoF) has announced latest post office interest rates on small saving schemes for the period January 2020 to March 2020. 

As expected, MoF has not changed the interest rates of the small saving schemes. 

Post office schemes are considered as safest investment option as these are offered by Govt of India.


FM unveiled outlay of Rs.105 lakh crore infrastructure projects : Perspective by NAREDCO, Knight Frank India

Dr Niranjan Hiranandani-  National President- NAREDCO

The Finance Minister Ms. Nimala Sitharaman has unveiled outlay of  Rs.105 lakh crore infrastructure projects to be put out in 2020, which can be termed forward-looking for inclusive growth that promises to create jobs,  enable a better lifestyle. 

We welcome the announcement under the National Infrastructure Pipeline Coordination Mechanism that will coordinate between center, state, and private sector.

  However, implementation of the projects with public-private partnership remains the key factor.

Private players are still facing an acute credit crunch. The government needs to address the issues of private players’ difficulties as well. The step taken by the government is a right step towards addressing the current economic setback.

The proposed Single Window Clearance for investments in projects with a definite timeline from the centre and state is a much-needed breather for the industry.  

FM also mentioned that the government aims to invest Rs. 5 lakh crore in 5 years in the National Infrastructure Pipeline (NIP) that will give boost to the current sluggish real estate market in the country. 

Mr. Ashok Mohanani, Chairman EKTA World and Vice President NAREDCO Maharashtra on the recent announcement by FM Nirmala Sitharaman.

The announcement by the FM on unveiling investment of Rs 102 lakh crore in the national infrastructural plan will boost the sector as sentiment will see an uptick. Given the economy’s situation, this is promising and will add impetus to the sector’s growth. 

The investment of Rs 20 lakh crore on road projects promises both quality infrastructure and better connectivity which will benefit both buyers and developers by providing good value to the housing assets. 

On the other hand with the central and state governments expectations on private shares of national infrastructure rising to 30 % from 22% will get the sector organised and act as a game changing regulatory. 

We are hopeful that the annual investors meeting will turn the tables for the sector at large and increase much needed liquidity in the sector. 

The New Year will certainly start on a great note as the SBI repo rate cut from 7.80% per annum to 8.05% per annum will come into effect from January 1st 2020 which will further reduce interest rates for existing home loans that will attract potential home buyers.

Mr. Shishir Baijal, Chairman & Managing Director, 
Knight Frank India


“Today’s announcement has re-enforced the government's commitment towards infrastructure growth providing the requisite clarity. Apart from the fact that a robust infrastructure is one of the key conditions to overall growth of the economy, this will create a stable base for India’s economic recovery soon. The infusion into the Infrastructural development will help in creating jobs and financial security in the mid-term helping in income generation and consumer spending in the economy. We welcome the qualifiers from the government and expect to see these fructify soon”.                                                     


2019 IPO Performance Report: BSE IPO Index tops with 43% gain!

2019 IPO Performance Report: 

BSE IPO Index tops with 43% gain!

We study how IPOs have fared in 2019 via the BSE IPO index which moved up 42.6% in 2019 (does not include listing gains).

IPO Name
Listing gain
Current gain
Evans Electric Ltd.
V R Films & Studios Ltd.
Parshva Enterprises Ltd.
Artemis Electricals Ltd.
Goblin India Ltd.
Misquita Engineering Ltd.
IndiaMART InterMESH Ltd.
Affle (India) Ltd.
Polycab India Ltd.
Axita Cotton Ltd.
Metropolis Healthcare Ltd.
Spandana Sphoorty Financial Ltd.
Vishwaraj Sugar Industries Ltd.
SBC Exports Ltd.
Neogen Chemicals Ltd.
Indian Railway Catering & Tourism Corporation Ltd.
Anand Rayons Ltd.
White Organic Retail Ltd.
Earum Pharmaceuticals Ltd.
Rail Vikas Nigam Ltd.
Chalet Hotels Ltd.
Xelpmoc Design and Tech Ltd.
Roopshri Resorts Ltd.
Aartech Solonics Ltd.
Galactico Corporate Services Ltd.
SK International Export Ltd.
Alphalogic Techsys Ltd.
Humming Bird Education Ltd.
Transpact Enterprises Ltd.
Gensol Engineering Ltd.
Anuroop Packaging Ltd.
GKP Printing & Packaging Ltd.
Anmol India Ltd.
Ujjivan Small Finance Bank Ltd.
Novateor Research Laboratories Ltd.
CSB Bank Ltd.
City Pulse Multiplex Ltd.
Ritco Logistics Ltd.
Ashapuri Gold Ornament Ltd.
Kranti Industries Ltd.
Mahip Industries Ltd.
Northern Spirits Ltd.
KPI Global Infrastructure Ltd.
Sterling and Wilson Solar Ltd.
Jinaams Dress Ltd.
Cian Healthcare Ltd.
Suich Industries Ltd.

 A look which stocks contributed to the move and associated risks.


ICICI Prudential Fixed Maturity Plan - Series 87 - 1214 Days Plan A - NFO

 ICICI Prudential Fixed Maturity Plan - Series 87 - 1214 Days Plan A - NFO

Scheme Name

ICICI Prudential Fixed Maturity Plan - Series 87 - 1214 Days Plan A

Open Date
21 December 2019

Close Date
30 December 2019

Scheme Type

Close Ended


It’s All About Money: IFA meet on January 13, 2020

It is perhaps the first time in the Rs.27 lakh crore  Indian mutual fund that a social media group created with an objective to help advisors resolve issues related to their business will hold a learning event for IFAs.

Telegram group ‘It’s All About Money’ will hold its first event for IFA ‘ArthMitra Gurukulam Rashtriya 2020’ on January 13, 2020 in Ahmedabad.

Group admin Milind Shah of Chalo Niveshak told Cafemutual that the event aims to empower IFAs to grow business.

The event will have workshops by industry experts such as Neil Parag Parikh, CEO, PPFAS Mutual Fund, Mayukh Dutta, National Head IFA, Mirae Asset, Jimeet Modi, CEO, Rank MF and Amit Bivalkar, Director, Sapient Wealth.

Second day (January 14, 2020) of event will be largely dedicated to city tour and celebrating kite festival Dakshinayan in a Guajarati style.
While the day-long event would cost Rs.2,000 for IFAs, if they want to stay back to celebrate Dakshinayan and take city tour, they will have to pay Rs.4,500.

Shah told Cafemutual that the motive behind organising this event was to bring together IFAs from India who were just digitally met each other.

The core committee members of the event include Anoop Nasa Blogger and Digital Tools Expert, Srikanth Matrubai Blogger and IFA, Deepak Khemani Author, YouTuber and IFA.


Registered Investment Advisors - RIAs Can Not Accept Fee in Cash : SEBI NEW RULE

Registered Investment Advisors - RIAs Can Not Accept Fee in Cash

The Share Market and mutual fund regulator SEBI has come out with code of conduct for investment advisors in which it has asked  registered investment advisors (RIAs) not to accept advisory fee in cash.

Instead, the market regulator has directed RIAs to accept fees through Bank Cheque, demand draft, NEFT, RTGS, IMPS and UPI.

In a circular issued December 27, 2019, SEBI said, “It is observed that investment advisers are receiving advisory fee in the form of cash deposit in their bank accounts or through payment gateways which does not provide proper audit trail of fees received from the clients.”

The other things the code of conduct stipulates are
RIAs will have to strictly ensure risk profiling and product suitability

RIAs can no longer give advice on free trial basis i.e. advising without considering risk profile of client free on cost (happens largely on phone calls)

To obtain written consent of clients on completed risk profile through registered email or physical document


Gift your child with money skills

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PF Vs PPF Vs VPF Vs NPS: Which is the Best Investment For Me?

PF Vs PPF Vs VPF Vs NPS:  Which is the Best Investment For Me?

If you are a salaried employee, you might be aware of the Employee Provident Fund (EPF), Public Provident Fund (PPF), Voluntary Provident Fund (VPF) and National Pension Scheme (NPS).

All these investment options would help employees to save income tax as well as to grow their money.
What are the differences between EPF Vs PPF Vs […]
Read more


F and O LOT SIZE December 2019

F and O LOT SIZE December 2019

Future and Options

ICICI Pru. FMP – Series 87 (1214 Days) NFO – Should I Invest?

ICICI Pru. FMP – Series 87 (1214 Days)  NFO – Should I Invest?

ICICI Prudential Fixed Maturity Plan (FMP) - Series 87 - 1214 Days - NFO Review ICICI Prudential AMC has come up with another Fixed Maturity Plan (FMP) Series 87 (1214 Days) Plan-A NFO that would open for subscription on 21st December, 2019.

 As the name indicates, this is fixed maturity plan that gets matured on a […]


State consumer commission holds city builder responsible for not fulfilling the commitments made in the Brochure

State consumer commission holds city builder responsible for not fulfilling the commitments made in the Brochure

The city based builder Ramaniyam has promoted multi storied flats Pushkar II, in Sholinganallur Near Chennai at the outskirts of the city. They had brought out a detailed Brochure providing details of the building and its special features. 

As  per the Brochure the block of the building in which senior citizens flats are located should have been provided with the  Access Control facility as an enhanced safety measure. 

The senior citizen had booked a flat in the complex based on this promise. The Builder has failed to provide Access Control in the senior citizens' block as promised in the brochure.

The state consumer commission has held that the builder is fully responsible for the fulfilment of  all the promises made in their brochure on the features of the building they promoted. 

A senior citizen was awarded compensation from Ramaniyam for the deficiency in service. The judgement said that a senior citizen has been lured into going for the flat on the promises made in the Brochure. 

According to them the construction agreement with the purchaser is only for the flat concerned and it can differ from buyer to buyer. But when the brochure includes certain features on the building, the builder cannot get away with the claim of not being mentioned in the construction agreement with the buyer. 

The Court also has observed that the Access Control promised in the Brochure is for the building and hence need not have a specific mention in the Construction agreement which is essentially for the flat only.  

The state commission in a land mark judgement has ordered to take back the flat from the senior citizen (who had not moved in even after 3 years ) and compensate him with damages and interest @9%p.a on the purchase value in addition to return of the money originally paid for the flat. The senior citizen in this case argued his case as party in person as per provision in the consumer protection Act.

CONSUMER ASSOCIATION OF INDIA and CIVIC ACTION GROUP both consumer centric voluntary organisations advised the senior citizen to pursue legal remedies since their mediation for an amicable settlement proved futile due to the stubborn attitude of the builder. The case reference in the Consumer Court is 118/17.


How to sell online with Amazon & Flipkart One Day Workshop 22/12/2019- Sunday ₹900.00

How to sell online with Amazon & Flipkart

One Day Workshop 22/12/2019- Sunday 


Location:   https://goo.gl/maps/81VRfsvDftw

Contact: 99401 89433

Real Estate Training Chennai December 28 2019 and Jan 4 2020

Chennai Real Estate Training December 28 2019  and Jan 4 2020

Saturday, December 28, 2019 at 9:45 AM – 5:30 PM

Lead Academy
37, Aziz Mulk 2nd Street, Greams road, Thousand Lights, Chennai

Phone Registration: 99401 89433


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