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Tag: Money

  • First the student was kidnapped, then molested and beaten, money was also transferred to her… where was the capital police?

    Lucknow. A case of kidnapping, molestation and assault of a student has come to light. The police have registered a complaint against the accused in the case. According to the information, the student from Basti is studying LLB from a private college in Lucknow. She lives in a girls hostel in BBD area.

    It is alleged that the friends kidnapped the student by calling her by deceit. Then they took her to Pratapgarh and molested and beat her for several hours. When they were not satisfied even with this, the accused transferred her money to their account. When the student received a call from her father, the accused left her near Kamta Tiraha and ran away.

    Also read: Suicide or murder? A young man committed suicide by hanging himself, his wife and friend are under suspicion

    At present, the police have registered an FIR against five people including a young woman in this case. Further investigation is underway.

  • Four tricks to keep away from overspending this festive season

    The festive season is across the nook, it is that point of the yr once we go on a procuring spree. From digital devices to house decor and furnishings, the checklist is lengthy. The majority of us have already penned down our guidelines of purchases. Despite our plans, it is simple to be lured by on-line procuring offers and varied promotions. 

    Experts counsel some tricks to save well, and never find yourself overspending this festive season.

    1)Budgeting

    The first step is to create a funds to determine how a lot you’ll be able to spend. “To keep away from it, set a sensible funds, holding it inside 50% of your month-to-month revenue. This ensures you’ll be able to benefit from the festivities with out straining your funds,” said Kumar Saurav, Chief Strategy Officer, AdCounty Media. 

    “Make sure you are aware of the actual amount you must spend this holiday season. Be honest when estimating how much money you’ll have left over after your typical monthly expenses and have your bank statements handy,” stated Tejpal Singh Shekhawat, Founder & CEO, Kalyanam Furniture.

    The festive season is commonly synonymous with extravaganza. You should follow your pocket to benefit from the festivities.

    According to Ashish Aggarwal, MD, Acube Ventures, budgeting is the important thing. The secret to reconciling your vacation spending along with your monetary functionality is wise cash administration.

    2)Compare costs to get one of the best offers

    Be affected person and evaluate costs to get one of the best offers. Kumar Saurav recommended utilising comparability web sites and apps to make knowledgeable selections and keep away from overpaying. Looking at festive reductions from the patron’s perspective, might sound helpful at first however there’s a hoard of phrases and circumstances connected that clients typically overlook, he added.

    3)The misleading reductions

    Experts recommended to forestall impulsive purchases and wasteful spending. “Don’t fall for a number of time-bound affords supply lesser reductions throughout daytime and better ones throughout night time time,” said Kumar Saurav.

    According to an analysis by Ace Turtle, the average discount on days when there are no sales events is 47%, which barely increases to 50% on such days. So, the notion of heavier discounting during the festivities might not be true in all cases, he added.

    4)Credit Cards

    Credit cards, which are readily available and don’t need prompt payment, may cause you to overspend. “Don’t indulge in peer pressure to do things that your will doesn’t allow,” stated Ashish Aggarwal.

    By following the following tips, you’ll be able to guarantee that you’re stress-free financially and may take full benefit of the festivals.

    Disclaimer: The views and suggestions made above are these of particular person analysts, and never of Mint. We advise buyers to test with licensed consultants earlier than taking any funding selections.

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    Updated: 10 Oct 2023, 01:41 PM IST

  • Discovering FIRE: How to safe your monetary independence

    Becoming financially unbiased means you do not work for cash and should purchase time with cash. Having time means to find a way do what you want to.

    With FIRE (Financial Independence, Retire Early) in pattern, most individuals see them as synonyms. However, I see it just a little in another way.

    Being financially unbiased is just a little completely different from an early retirement when it comes to mindset. When you consider early retirement, you think about stress-free and doing nothing. Such creativeness is primarily thrilling as a result of you have got a busy work schedule or you do not take pleasure in your work.

    Being financially unbiased directs you in the direction of doing one thing you take pleasure in, taking a break whenever you need, and becoming a member of again whenever you want to, not since you want cash however since you love doing what you do, which additionally has a financial profit as an acknowledgment of your worth provides. However, when it comes to cash, being financially unbiased and early retirement is similar.

    So, first, you should work on why and what you’ll do when financially unbiased. If that creativeness is thrilling, that’s when you need to plan for FIRE.

    Goals You Need To Work On To Become Financially Independent

    Here, I counsel dividing your targets into recurring and one-time.

    Recurring Goal: This contains all of the wants that proceed to happen repeatedly. Example-

    Living expenses- Household & way of life bills

    Child’s faculty price (earlier than commencement)- If your baby remains to be in class

    Car buy (non-compulsory)

    One-time Goal: Child greater training, Child marriage, retirement, and so forth

    Apart from the above, you should have an emergency fund, personal a home, and be debt-free.

    Here, I listing all attainable targets chances are you’ll take into account for turning into financially unbiased.

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    Financial Goals

    Goal 1: House Purchase: Present worth = ₹1.1 crore, Future worth = ₹2.46 crore

    View Full Image

    Goal #1

    Goal 2: Child Education: Present Value = ₹50 lakh, Future worth = ₹2.78 crore.

    View Full Image

    Goal #2

    Keeping three must-have targets in thoughts, Sunil wants ₹9.96 crore after 15 years to grow to be financially unbiased at age 45.

    Apart from this, maintain an extra quantity parked for emergencies and a security internet. Hence, a spherical determine of ₹10.5 crore.

    Steps To Work Towards Financial Independence:Set clear monetary targets

    Define what monetary independence means to you, the approach to life you need to reside, and the sum of money you may want to attain it.

    Become debt free

    It is important to be debt free. Utilize your bonus, earnings tax refund, or any windfall earnings to prepay your debt/loans. It is recommended to prepay high-interest debt first, like bank card due or private loans. You may do a comparability; if clearing a long-term mortgage is extra useful, that can majorly rely on whenever you began the mortgage and the rate of interest. Prepaying within the preliminary stage of the mortgage turns into extra advantageous.

    Live under your means

    Avoid way of life inflation by retaining your bills the identical even after wage increments; this may provide help to to save lots of and make investments aggressively.

    Take skilled recommendation

    Financial independence is a vital resolution; don’t hesitate to hunt skilled assist to make an knowledgeable resolution.

    Be affected person and constant

    Attaining monetary independence calls for each time and self-discipline in investing. Stay devoted to your targets, detach your self from the end result, and do not get carried away with fast cash and different investments.

    Financial independence is a journey, not a dash. It requires a long-term dedication to being affected person and constant. Start early, be constant, and lastly, consider within the course of to work in the direction of reaching your monetary independence. 

    *Sunil is a hypothetical case

    Salma Sony is a SEBI-registered funding adviser and founding father of salmasony.com.

  • Fractional shares will let small buyers purchase massive shares

    The ministry of company affairs (MCA) and the Securities and Exchange Board of India (Sebi) are contemplating permitting the issuance and possession of fractional shares, Mint has reported. This is an idea that’s caught on within the US the place such shares have garnered recognition amongst retail buyers. Currently, Indian rules prohibit possession of lower than a complete share.

    However, the International Financial Services Centres Authority (IFSCA) at GIFT, dealing with forex-denominated property, facilitates buying and selling of fractional shares inside its regulatory sandbox. Should the Sebi and the MCA greenlight the initiative, corporations listed in India would achieve the flexibility to situation shares that could possibly be traded fractionally. Such a shift would necessitate amending pertinent legal guidelines and revising the tax construction.

    If the proposal goes by, it may simplify investing for people with restricted financial savings, fostering extra equitable asset allocation. For occasion, investing in high-value shares like MRF or Bosch turns into difficult for retail buyers with modest portfolios as a result of disproportional weight these shares add. Fractional possession would mitigate this imbalance, offering extra flexibility in diversifying portfolios throughout sectors.

    For perspective, in case your complete portfolio worth is ₹5 lakh, a single MRF share ( ₹108,000-plus) would quantity to over 20% weight within the portfolio. You won’t need that a lot publicity to a single firm in a single trade. But you could as an example, need solely 5% publicity to the rubber trade (the place MRF is the market-leader) and that’s solely potential in the event you commit a minimal of ₹20 lakh plus to your fairness portfolio. Bosch is buying and selling at above ₹19,000 and will due to this fact, current related issues.

    While these are good corporations, holding them would skew your portfolio weight undesirably sharply into one sector. 

    Institutional buyers, typically unaffected by these limitations, at the moment take pleasure in a bonus over their retail counterparts. 

    Typically, monetary specialists advocate retail buyers diversify their portfolios, balancing fairness and debt and guaranteeing publicity to a spread of industries for stability by different enterprise cycles. If you’re younger and don’t have many instant monetary commitments, the planner might counsel as an example, that you simply maintain 80% of your monetary property in fairness and 20% in debt devices. Within fairness, they’d additionally advise publicity to let’s say 10-15 totally different corporations unfold throughout many industries. That method, regardless of the enterprise cycle, one thing in your portfolio ought to be doing nicely.

    Every two or three years, it’s best to overview and rebalance allocations. If your fairness portfolio has ballooned and develop into 95% of your property, it’s essential promote some fairness and put the proceeds into debt. High-priced shares make this whole strategy of asset allocation and rebalancing very unwieldy.

    Even in the event you and your buddies need to purchase a single share and divide up the returns and dividends into fractions, the titular proprietor stays one particular person who receives the capital appreciation, and the dividends, and carries the tax publicity. That individual’s nominee or inheritor would inherit as nicely. Any preparations you made to create fractional possession could be unofficial and laborious to implement.

    While fractional shares may alleviate these challenges, the MCA’s present proposal is poised to be relevant solely to new issuances, excluding current high-valued shares like MRF. Delving into the proposal’s specifics will likely be essential, given the intertwined tax, authorized inheritance, and firm legislation ramifications, to not point out potential impacts on shareholder voting rights.

    Assuming that people are allowed to every maintain a fraction of a share, and cut up the dividends if any, and take any subsequent inventory splits in that very same fractional ratio, and equally offset inheritances, issues would develop into simpler for retail buyers. Rebalancing and juggling portfolio weights will develop into a lot simpler.

    In impact, this may work considerably like a inventory cut up with no formal cut up. In a inventory cut up, the face-value of an fairness share is formally divided – a ₹10 fv share can develop into 10 share of ₹1 FV. If an organization points a bonus, the face worth doesn’t change (combination-split-cum-bonuses do happen after all). A proportion of reserves (the accrued income of the enterprise) are capitalised, became shares and handed over to shareholders within the introduced ratios. Companies even have to control share-swap ratios when a merger takes place and once more, fractions trigger difficulties in reconciliation.

    If fractional shares are allowed, this breaking apart of share face-value isn’t wanted. Each investor can personal a fraction of a single share. This would additionally end in higher price-discovery and extra liquidity in high-priced shares.

    Learning to suppose in fractions relatively than integers isn’t too troublesome when studying arithmetic. It presents extra in the best way of regulatory difficulties in terms of firm legislation and taxation however an acceptance of this proposal would give retail buyers a extra even taking part in discipline.

  • What a private mortgage prices you

    Personal loans are a approach to make use of tomorrow’s revenue at this time, and the method concerned is easy. But you need to observe that the rates of interest are a lot greater, say, for a automotive mortgage. This is as a result of private loans are unsecured loans. This implies that the mortgage will not be by backed any asset. The mortgage quantity and rate of interest rely upon parameters corresponding to your revenue, present credit score, compensation capability, and others. As private loans include excessive rates of interest, conitnuous default will put in a downward spiral. Here are a few of the lowest private mortgage rates of interest supplied by numerous banks.

  • Five greatest retirement funding choices for folks of their 20s

    To expertise the magic of compounding, folks want to start out their funding journey at an early age, the earlier, the higher. The commonest cash mistake that people of their 20s make is delaying their funding selections. It’s good to make secure retirement plans in our 20s. Money consultants say that to make retirement full of monetary freedom, youth have to comply with a scientific monetary path. Instead of saving their cash in financial institution accounts, they will make investments it systematically to realize earnings on the invested cash.

    Livemint spoke to cash consultants to know the varied retirement funding choices that folks of their 20s can discover.

    Mutual funds is perhaps an efficient retirement investing choice for folks of their twenties in India. Mutual funds present diversification, professional administration, and quite a lot of funding prospects. “Consider investing in equities mutual funds, which mixture investor money to spend money on a various vary of shares. Seek for funds with a confirmed observe file and modest expense ratios. Equity mutual funds supply publicity to a various number of Indian corporations,” said Amit Gupta, MD, SAG Infotech.

    Gold has always been seen as an inflation hedge. Investing in gold may be part of a well-diversified retirement investment plan for Indians in their twenties. “Sovereign Gold Bonds are issued by the Indian government and are valued in kilos of gold. These bonds pay a set interest rate and provide tax advantages. SGBs can offer capital appreciation tied to gold prices,” stated Ravi Singhal, CEO, ofGCL Broking.

    3) REITs

    In India, making investments in actual property could also be a sensible alternative for accumulating cash in addition to planning for retirement. “REITs at the moment are a well-liked various for making investments in actual property regardless of proudly owning precise buildings in India. REITs supply the choice to interact in a various portfolio of income-generating actual property property, they usually usually return rental earnings to traders as dividends,” stated LC Mittal, Director, Motia Group.

    4) Stocks
     5) Fixed earnings securities

    Fixed-income investments, like fastened deposits and bonds, play a novel position in diversification. It affords low volatility and regular earnings leading to general portfolio stability.

    Sooraj Singh Gurjar, founder and MD, of Get Together Finance (GTF) stated that there are a number of methods of investing cash for the long run by shopping for totally different securities. Some of the securities that may be purchased are

    1)Equities of promising corporations

    2)Mutual funds with long-term returns

    3)Dividend-paying shares

    4)Fixed earnings securities

    Disclaimer: The views and suggestions made above are these of particular person analysts, and never of Mint. We advise traders to test with licensed consultants earlier than taking any funding selections.

     

     

     

     

     

     

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    Updated: 20 Sep 2023, 02:51 PM IST

  • How Rajiv Khanna invests his cash

    Hailing from Chennai, Rajiv Khanna studied engineering at IIT Madras and labored at two corporations earlier than organising his personal enterprise. His enterprise, Kwality Ice Cream, grew to become worthwhile and was offered to Hindustan Unilever. The cash he obtained from this grew to become the seed capital for his investing journey.

    Khanna is understood to be a media-shy individual and one who prefers to maintain his investing model to himself. But he opened up about his funding journey and magnificence on the current Tamil Nadu Investor Association’s (TIA’s) annual ‘Bullet Proof Investing’ seminar.

    “He has been a secretive investor for a very long time,” said Rahul Goel, former chief executive officer of Equitymasters.

    Here is a summary of what he said:

    Investment journey

    He first bought shares of Satyam, the company known for carrying out India’s largest corporate fraud until 2010, before the dotcom bubble. He candidly told the audience that he bought Satyam because his neighbor’s son worked there and he thought it was an interesting company.

    As the internet boom was in full swing, he made a lot of money on Satyam and a few other tech stocks. But when the mania finally ended and the dot com bubble burst, he lost a lot of money on these investments. Nevertheless, he had made some money at the end of the dotcom crash.

    This allowed him to continue to invest through the next big rally of 2003-07. The same thing happened. He made a lot of money but also suffered some losses when stock markets were hit by the global financial crisis in 2008. He pared some of his gains during this downturn but was profitable on a net basis. Also, in 2016-17, Khanna did extremely well as mid-cap and small-cap stocks shot up, but again lost a bit when the cycles turned.

    Fast-forward to the covid-19 pandemic, and Khanna says he sold out early as he panicked. He sold a large chunk of his portfolio around March 2020 and was not quick to re-enter when the markets rallied subsequently.

    “I told them (his friends) that the world was coming to an end, the apocalypse is here,” Khanna mentioned on the TIA seminar, recalling the time when markets began to get better in April 2020. He mentioned he invested closely in gold and in China as he thought their valuations have been enticing.

    View Full Image

    (Graphics: Mint)

    Investment technique

    Khanna mentioned he has a portfolio of 500 shares. Every day, he seems to be on the 30-day each day transferring common (DMA) of his holdings and at any time when a inventory strikes beneath it, he sells the place. He holds on to shares which might be buying and selling above their 30-day DMA. He mentioned this filter will permit him to exit the market earlier than the present euphoria in small- and mid-cap shares ends.

    He additionally mentioned that till 2018, since there was no capital-gains tax, he might enter and exit shares within the brief time period with out worrying an excessive amount of about taxes. That modified in 2018 and he started setting off his short-term capital beneficial properties with long-term capital beneficial properties. However, Khanna is anxious in regards to the earnings tax division classifying his buying and selling as enterprise earnings, which can’t be adjusted in opposition to capital beneficial properties of subsequent or prior years (inter-head adjustment is just allowed in the identical yr).

    Khanna’s answer for this has been to spend money on mutual funds. That’s as a result of when a mutual fund does the identical factor – promoting or investing – it doesn’t need to pay any taxes. Taxes are paid solely when the mutual fund unitholder redeems his or her items.

    Khanna mentioned he purchased a mutual fund with a low quantity of belongings underneath administration however didn’t identify the fund. Although he’s transferring a few of his cash to mutual funds, he mentioned he’s not absolutely into it as he thinks the overwhelming majority of mutual funds apply buy-and-hold investing. He categorised this in cricket parlance as a Test match, however mentioned what he’s actually after are those that may play T20 matches – that’s, purchase and promote quickly to achieve alpha.

    Schemes run by Quant Mutual Fund have a few of these traits. These funds actively purchase and promote shares (evident from excessive churn charge) and still have comparatively a small corpus in comparison with different funds.

    A case for lively investing

    At a time when lively investing is quickly shedding floor to passive investing, Khanna made a powerful case for the previous. He mentioned, “There’s a common view that he (Warren Buffett) preaches purchase and maintain. It’s partly true and partly not true. If you undergo his inventory holding interval, the typical holding interval is six months. His portfolio turnover is pretty excessive. It was once even larger when he began out. Now that he manages a big portfolio, it has come down.”

    “Also, in a recent article, he says you give me $100 million and I will give you 50% CAGR. He himself acknowledges that active management is far better than passive management so long as you have a small portfolio,” he added.

    Khanna mentioned his investing model most intently matches that of Peter Lynch. “He had one thing like 1,500 shares and over 15 years or so, managed to ship about 24% CAGR (compound annual development charge). He’s top-of-the-line fund managers we’ve had and even his portfolio turnover ratio was actually excessive – about 300% per yr,” he said.

    “Once in a while, you will come across a special situation where you are reasonably confident. You must make use of it and hit a six when the time comes,” Khanna concluded.

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    Updated: 15 Sep 2023, 07:43 PM IST

  • Empowering educators: monetary literacy for academics

    Most do not forget that one particular trainer who not solely imparted information successfully but in addition made us fall in love with the topic. Looking again, it’s evident that these educators are instrumental in shaping a powerful, modern workforce with values and mindsets that drive India’s financial development.

    For me, that distinctive trainer was my geography trainer in center college. Every afternoon, as she entered the classroom, she started with a freehand but correct drawing of the map of India, step by step increasing it to the world map. The discussions deftly interconnected pure assets, local weather, nations and politics. Her storytelling seamlessly intertwined financial adjustments, historic occasions and important insurance policies, making the educational expertise not simply informative but in addition satisfying. I usually marvel about her life after retirement, notably regarding her monetary well-being.

    With 9,507,123 academics on file for the 2021-22 educational 12 months, in accordance with the newest UDISE+ report, India boasts one of many largest contingents of educators globally. This formidable academic military operates out of an in depth community of colleges, schools, and establishments. Yet, figures from Collegedunia reveal that the typical annual wage for academics in India post-training ranges from ₹2.5 lakh for pre-school and first academics to ₹6 lakh for lecturers. Based on enter from academics on Quora, wage revisions happen sporadically, sometimes each 3-4 years, with modest annual will increase of 5-8% in city settings.

    Going by remuneration knowledge, instructing is definitely among the many lowest paying jobs in India, particularly at college stage. The advantages for academics differ broadly, influenced by components akin to location, establishment kind (non-public/public), academic stage, and years of expertise. In common, they grapple with points associated to earnings fluctuations, job insecurity, inadequate retirement and healthcare advantages, and a scarcity of structured social safety.

    The demanding nature of the occupation, time constraints, restricted monetary assets and lack of monetary literacy, usually leads them to miss their very own monetary wellbeing. It is unhappy that these builders of society undergo monetary stress as most of them are underprepared for retirement years.

    The latest announcement from the federal government concerning necessary EPFO registration for all CBSE-affiliated colleges is a step in the appropriate route. The new norm is anticipated to increase EPF advantages to academics working at colleges operational for 3 years or extra. The NEP 2020 goals to upskill and obtain pay parity for academics however overlooks important life expertise like monetary administration.

    In the hunt for monetary well-being, academics, like professionals in different fields, usually lack a basic understanding of investments and monetary planning. It is essential to understand the fundamentals of inflation and the facility of compounding for all future planning.

    Beyond their private monetary stability and improved high quality of life, there are compelling causes to empower academics from a forward-looking perspective. With over ₹97 lakh academics unfold over 15 lakh colleges impacting 26.5 crore college students, India wants an pressing motion plan for monetary literacy to boost a financially savvy technology.

    As position fashions, academics possess the distinctive potential to interrupt down complicated topics into manageable classes. They have entry to academic assets that may assist tailor monetary schooling and encourage college students to know this multifaceted matter simply. Picture a geography trainer seamlessly incorporating monetary literacy into her classes.

    Empowering academics with monetary literacy requires a multifaceted strategy, together with integrating it into trainer coaching {and professional} growth applications. Fostering open discussions on finance and serving to academics with their funds can allow this transformation quickly.

    On this Teachers’ Day, as we categorical our gratitude to those that formed our future, let’s additionally acknowledge their want for monetary literacy. Let’s work collectively to make sure a brighter future for each academics and the generations they encourage. It’s a becoming honour to the educators and to our alma mater.

    Anu Seth is co-founder at Pay it Forward.

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    Updated: 05 Sep 2023, 05:47 PM IST

  • Investment ideas: Age-based asset allocation methods to develop your cash

    Investment ideas: Every investor goals to make earnings from his investments at each stage of life. The funding technique tends to be totally different at an early age, in your 30s, 40s, or if you end up nearing your retirement.  Investors have to optimise their portfolios with the intention to attain optimum risk-adjusted returns.

    Asset allocation based mostly on the age of the investor

    The fundamental precept behind age-based asset allocation is that your publicity to funding threat wants to scale back with age. It is primarily known as the proportion of fairness as a  element of your portfolio as these investments provide the next return at a larger threat. “You can use the thumb rule to search out your fairness allocation by subtracting your present age from 100. It signifies that as you get older, your asset allocation wants to maneuver from fairness funds towards debt funds and fixed-income investments. Suppose your present age is 25 years. Your portfolio could have 75% of equity-oriented investments and the remaining 25% amongst debt funds and fixed-income securities,” mentioned Ajay Agarwal, affiliate associate Alpha Capital.

    30s vs 40s: How funding technique varies

    Amit Gupta, MD, SAG Infotech mentioned that you just possess an extended investing imaginative and prescient in your thirties, which lets you determine to tackle larger threat in quest of larger returns. You would possibly dedicate an even bigger share of your funding portfolio to higher-risk, higher-reward belongings like equities, which embody particular shares and fairness funds. 

    “If you wish to restrict the chance related to fairness markets, investing in ULIPs could possibly be thought of,” said Agarwal

    “As you enter your forties, you may begin to rebalance your portfolio to incorporate a somewhat greater proportion of more stable investments, such as bonds. While equities can still play a substantial role, the portfolio should become more balanced as retirement approaches to limit possible volatility,” mentioned Gupta.

    You also can contemplate investing in actual property for a house or to generate rental earnings.

    An effort ought to be made to have a balanced portfolio – that’s – having 40% fairness and 40% debt funds. “Around 5% ought to be saved as emergency money. Around 5% ought to all the time be maintained to make the most of new alternatives,” said Ajay Agarwal. 

    Before considering how to invest during the different stages of your life, it’s helpful to understand the concept of asset allocation.  Often we come across the term asset allocation. What is it? To put it simply, it means, you have to distribute the money that you want to invest among different assets like gold, real estate, stocks and mutual funds, bonds, PPF, and EPF. The manner in which you will distribute all these assets is known as asset allocation.

    Three main asset classes are

    Stocks (equities)

    Bonds (fixed-income securities)

    Cash and cash equivalents

    Other asset classes include:

    Commodities

    Real estate

    Why diversification is important

    “If you put all your money into one asset class (i.e., all your eggs in one basket), and that class tanks, you have no hedge to protect your capital. Investing in a variety of asset classes provides diversification in your portfolio. Here is how to invest in your 30s and 40s,” mentioned Ajay Agarwal. 

    Experts say that people could regularly shift from fairness to debt investments as they strategy retirement. 

    Disclaimer: The views and suggestions made above are these of particular person analysts, and never of Mint. We advise traders to verify with licensed consultants earlier than taking any funding selections.

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    Updated: 02 Sep 2023, 01:20 PM IST

  • Seven financial modifications which will affect your cash issues

    Mutual Fund rule change to ₹2000 word: Seven financial modifications which will affect your cash issues | Mint

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    ₹2000 foreign money notes,cash modifications efficient from September,MF nominations,trding nominations”/>