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Elizabeth Holmes seeks leniency for her Theranos fraud by arguing she’s someone ‘who tries to do the right thing’ and has few future prospects
Elizabeth Holmes seeks leniency for her Theranos fraud by arguing she’s someone ‘who tries to do the right thing’ and has few future prospects
Disgraced Theranos CEO Elizabeth Holmes is casting herself as a Silicon Valley scapegoat who overcame an abusive relationship to become a loving mother in an effort to avoid a lengthy prison sentence for duping investors in her failed blood-testing company.
In an 82-page document filed late Thursday, Holmes’ lawyers tried to persuade U.S. District Judge Edward Davila that sending Holmes to…
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Leading Non-Banking Financial Companies In India
India's Non-Banking Financial Companies (NBFCs) have become an integral part of the country's financial system, providing credit to various sectors of the economy.
Let’s begin with Bajaj Finance Limited. Led by Rajeev Jain, it’s one of the most well-known NBFCs in India and offers a diverse range of financial services.
If we talk about housing finance, Housing Development Finance Corporation (HDFC) Limited, led by Keki Mistry, is one of the oldest and largest NBFCs in India.
Mahindra and Mahindra Financial Services Limited, led by Ramesh Iyer, is a leading rural finance player in India, providing financing solutions for vehicles, tractors, and rural households.
While looking at the emerging players, Poonawalla Fincorp Limited, led by Abhay Bhutada, has established a strong presence in retail lending and loans.
L&T Finance Holdings Limited, led by Dinanath Dubhashi, provides financing solutions for various sectors, including infrastructure, energy, and rural.
A huge credit for the success of these NBFCs can be given to the leadership and guidance of their Managing Directors. They have played a crucial role in shaping their respective companies' vision, strategy, and growth by expanding their product range, strengthening their distribution network, and enhancing their digital capabilities.
These NBFCs have established themselves as key players in the industry, with diverse product portfolios, robust distribution networks, and strong digital capabilities. As the Indian economy continues to evolve, NBFCs are expected to play an increasingly crucial role in supporting the country's growth and development.
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Today’s Current Affairs: The Q4 earnings season is in full swing with notable companies like Maruti Suzuki, Wipro, Bajaj Finserv, Infosys, TCS, and more already releasing their financial results. Market participants are eagerly watching the performance of JSW Steel, Shipping Corporation of India, NHPC, Godrej Industries, and others. Meanwhile, updates on companies like ZEE, Phoenix Mills, and Bandhan Bank are also catching the attention of investors. Stay tuned for the latest stock Market updates as more companies announce their earnings for the quarter ended March 31, 2024.
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**Q1. What is the dividend recommendation by ZEE in Q4?**
- Payment of equity dividend of Rs. 1/- per equity share
- Payment of equity dividend of Rs. 2/- per equity share
- Payment of equity dividend of Rs. 3/- per equity share
- Payment of equity dividend of Rs. 4/- per equity share
Answer: Payment of equity dividend of Rs. 1/- per equity share
**Q2. What was Bandhan Bank's net profit in Q4 of FY24?**
- Rs 54.63 crore
- Rs 808.29 crore
- Rs 1,322 crore
- Rs 7,000 crore
Answer: Rs 54.63 crore
**Q3. How much was JSW Steel's revenue from operations in Q4 of FY24?**
- Rs 46,269 crore
- Rs 3,741 crore
- Rs 1,322 crore
- Rs 7,000 crore
Answer: Rs 46,269 crore
**Q4. What is the total revenue from operations for Zydus Lifesciences in Q4 of FY24?**
- Rs 5,533.8 crore
- Rs 1,182.3 crore
- Rs 54.63 crore
- Rs 808.29 crore
Answer: Rs 5,533.8 crore
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Q1: What are the key Q4 results announced today?
Today, companies like Godrej Industries, JSW Steel, ZEE, and several others have announced their Q4 results. They have shared information about their revenue, net profit, and dividends declared for the financial year 2023-24.
Q2: Which companies will be announcing their earnings this week?
Companies like Jyoti CNC Automation, Trident, Data Patterns, Ujjivan Small Finance Bank, and others are scheduled to announce their earnings this week.
Q3: What updates have been provided by JSW Steel in their Q4 earnings?
JSW Steel has announced that they will be issuing Non-Convertible Debentures (NCDs) and declared a dividend for the fourth quarter. They also shared details about their revenue and net profit for the period.
Q4: How did Zydus Lifesciences perform in their Q4 results?
Zydus Lifesciences reported an increase in revenue and net profit for the fourth quarter of the financial year 2023-24. They also declared a dividend for the quarter.
Q5: What are the financial insights provided by Anand Rathi on NCL Industries?
Anand Rathi shared insights on NCL Industries, mentioning the impact of cement prices and demand, the completion of an expansion project, and providing growth projections for the company.
Q6: What are the Market recommendations by Prabhudas Lilladher on GSK Pharma post Q4 results?
Prabhudas Lilladher recommended a buy rating on GSK Pharma, emphasizing the growth potential considering the company's financial performance and expected EPS upgrades. They also provided a target price for the stock.
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Today's Current Affairs are buzzing with the latest Q4 results from various companies like Maruti Suzuki, Wipro, Bajaj Finserv, Infosys, TCS, HCL Technologies, HDFC Bank, and more. Investors are eagerly waiting to see the performance of JSW Steel, Shipping Corporation of India, NHPC, Godrej Industries, Zydus Industries, and others. While companies like ZEE and JSW Steel have already announced their earnings for the quarter, there is a keen interest in knowing how stocks are faring in this competitive Market. Stay tuned for more updates on today's current affairs and don't forget to keep an eye on the latest financial news.
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What are the reasons for infertility? — Ask Dr Archana Dhawan Bajaj
Do you know, low level of semen production leads to unhappy lifestyle, come prepare with the best female fertility nutrition specialist Dr. Archana Dhawan Bajaj, a well-known name in Delhi for world class IVF laboratory, diagnosis support to couple looking for healthy baby with IVF procedure to transfer egg with IVF freezing process and safe IUI techniques to restore semen to uterus using advance laboratory research by a team of dedicated IVF experts in Delhi.
Infertility cases in India is a rising concern, there are certain myth and difficulties of women and men struggling to become parent with a lovely child by the grace of god, infertility occur due to several reason such as physical weight, vitamin shortage, active lifestyle, sedentary work habits of couple who have failing repeatedly with several attempt of intimate reaction but no positive result as per test, that means the testosterone capacity of men are very low as per medical standard formula.
Let’s counsel with top in vitro fertilization clinic at Nurture IVF, led by Dr. Archana Dhawan Bajaj, in Delhi, she is a renowned infertility specialist doctors has been helping, researching on patients with reproductive assistive technologies, IVF, IUI method for high success pregnancy, come to clinics to discuss all about how to increase fertility health with valuable advice like nutrition, vitamins, minerals and other ingredients such as multi-minerals, micronutrients for bone and psychology improvement of couple looking for a healthy baby and protecting their embryo with essential vitamins.
Meet doctors over a telephonic consultation to know the truth to get a miracle boy or baby by using assistive reproductive methods by a team of specialized surgeon, nurses to take care at every moment with the purity and safety well-being of your loved one. Let’s discuss these areas to know how to boost fertility health naturally and methods, its cost, research time duration for couples looking for parenthood with complete guidance, emotional and clinical support in Delhi, NCR.
Psychological barrier
This is the primary cause of low energy, when the mood is happy you are more attracted to your partner for getting better into a relationship, when the psychology gets hampered then all the energy goes into drain and banished, so let’s take hope and find a unique path by counseling with doctor.
Negative surrounding
Be acquainted with a calm, cozy and cleaner surrounding. If you are ready to become a father, meet with doctors to discuss how the negative habits, toxicity in relation might create problems during health relation with partner or deeper physical connection.
Sleeplessness disease
If you have been challenged with sleep disease that could restrict your reproductive lifestyle, so be careful with all the better habits if you are planning for better hormonal health, strengthening libido, and internal core body health like nervous system, healthy cognitive parenting.
Low calorie food habits
As we know, the goodness of food is all we want to live a life full of joy, relaxation, energy and vigor. Do you know to generate a healthy fertility life you must eat quality food such as iron, vitamins, carbohydrate, fiber, protein to boost internal health.
Financial hurdle that breaks emotion
Stop unnecessary thinking that relates to risky finance load during parenthood, stay happy with a counselor to help you and find a solution if you have a shortage of funds, capital load that affects your happy lifestyle.
Travel more to get energy
Get pampered and relaxed by traveling to new places with a partner, eating food, cultural tours for getting more energy, bursting with physical stress, pain and a tight business schedule.
Proper medical supplements
If you are ready to become a mother, let’s keep a wish list in hand like what food do you like to eat more, vitamins, medical supplements for getting energy, maintain the menopause timeline without depression and anxiety.
Lower body water intake
Do you drink water as per medical rule to keep your body hydrated during summer and winter season? For a healthy heart, urination and physical health, drinking of distilled water one to three liters helps to purify lungs.
Physical weight and BMI measurement
Do you feel depressed every time! It could be a high toxic environment, workload, or body weight that created problems like the actual body mass index of a person according to height & weight.
Medication for health and well-being
Keep afresh by doing medication, yoga, stretching, pranayam to relieve the mind from stress with better hormone health care and freshness of air for blood circulation. To foster healthy hormones, peace of mind always plays a significant role for good health management.
Sexual arousal for better moment
To curb infertility naturally as per medical biology, intimate communication is must to become deeper and pleasant if you are planning for a healthy baby, any concern related to this might bring negative symptoms, so please discuss with a fertility specialist for more scientific information.
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Nifty, Sensex End Lower But Logs Weekly Gains: Market Wrap
India's benchmark stock indices ended lower, snapping a six-day rally, as Bajaj Finance Ltd., Larsen & Toubro Ltd., and ICICI Bank Ltd. dragged. However, the benchmarks on a weekly basis closed higher. The NSE Nifty 50 settled 150.40 points, or 0.67%, lower at 22,419.95, and the S&P Sensex declined 609.28 points, or 0.82%, to end at 73,730.16. The Nifty fell 0.82% to an intraday low of 22,385.55, and the Senex declined 0.97% to touch a low of 73,616.65 on Friday. "The unexpected surge of the US core PCE price index, accompanied by weaker-than-forecasted GDP growth and Treasury yield spikes, impacted market sentiments. Investors are concerned about the possibility of a looming recession in the US," said Vinod Nair, head of research at Geojit Financial Services. "The Indian market lagged behind its Asian and European peers due to worries over lofty valuations and lacklustre Q4 earnings, fuelling expectations of downward revisions for FY25 earnings."
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Deciphering the Ideal Health Insurance Plans for Indian Families
In the labyrinth of best health insurance plans for family in india, finding the perfect health insurance plan for your family is akin to securing a safety net for life's uncertainties. With medical expenses on the rise and health risks ever-present, choosing the right health insurance becomes paramount for Indian families. In this article, we explore the significance of selecting the best health insurance plans for families in India and highlight how SMC Insurance offers insightful guidance in navigating this crucial decision.
Unraveling the Importance of Health Insurance for Indian Families
Health insurance acts as a shield against the financial burden of medical emergencies and ensures access to quality healthcare without draining savings. In a country like India, where healthcare costs can escalate rapidly, having robust health insurance coverage is indispensable. Here's why it's crucial:
Financial Security: Medical emergencies can strain finances significantly. Health insurance provides financial security by covering hospitalization, treatment, and other related expenses, ensuring families can avail themselves of necessary medical care without worrying about financial constraints.
Comprehensive Coverage: The best health insurance plans for families offer comprehensive coverage, including hospitalization, pre and post-hospitalization expenses, day-care procedures, ambulance services, and more. This comprehensive coverage ensures families are protected against a wide range of medical contingencies.
Preventive Care: Many health insurance plans include coverage for preventive healthcare services such as regular health check-ups, vaccinations, and wellness programs. By promoting preventive care, health insurance helps families maintain good health and detect potential health issues early, reducing the risk of serious illnesses.
Peace of Mind: Knowing that their family's health needs are covered by a reliable health insurance plan provides peace of mind to individuals. Families can focus on their well-being and recovery without the stress of financial worries during medical emergencies.
Exploring the Best Health Insurance Plans for Indian Families
Selecting the best health insurance plan for families requires careful consideration of factors such as coverage, premiums, network hospitals, add-on benefits, and exclusions. Several insurance providers in India offer family health insurance plans tailored to meet diverse needs:
Star Health Family Health Optima: Renowned for its comprehensive coverage and extensive network of hospitals, this plan offers coverage for the entire family at affordable premiums.
Religare Care Health Insurance: With features like no claim-based loading and lifelong renewability, this plan ensures families have access to quality healthcare without financial worries.
New India Assurance Family Floater Mediclaim: Offering high sum insured options and coverage for pre-existing illnesses after a waiting period, this plan is ideal for families seeking comprehensive coverage.
Bajaj Allianz Health Guard Family Floater: With features like worldwide emergency coverage and optional maternity benefits, this plan provides comprehensive protection for families at competitive premiums.
SMC Insurance's Expert Guidance on Health Insurance for Families
At SMC Insurance, we understand the importance of choosing the right health insurance plan for families. Through our comprehensive resources on health insurance, we provide valuable insights into the features, benefits, and coverage options offered by various insurance providers.
Our informative articles, guides, and comparison tools empower individuals to make informed decisions about their health insurance needs. We offer unbiased information and expert advice to help families navigate the complex landscape of health insurance and select the plan that best fits their requirements.
Conclusion: Securing the Future Health of Your Family
In conclusion, selecting the best health insurance plan for your family is a critical step towards ensuring their well-being and financial security. With comprehensive coverage, innovative features, and reliable service, the right health insurance plan can provide families with the assurance that they will receive timely medical care without worrying about financial constraints. By leveraging resources like those offered by SMC Insurance, families can make informed decisions and safeguard their future health and happiness.
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Paul Merchants Partners with Bajaj Allianz to provide General Insurance
Paul Merchants is a renowned NBFC based in Chandigarh that has conjoined with Bajaj Allianz General Insurance, one of India's leading private general insurers, to provide their customers with General insurance products. Now Paul Merchants along with Bajaj Allianz will cater to their customers with all types of Motor, Travel, Commercial, and Home insurance products seamlessly.
Paul Merchants serves customers from semi-urban to rural India by providing them with affordable and best insurance policies. Paul Merchants has collaborated with Bajaj Allianz General Insurance, a leading name in the industry, to offer the finest comprehensive general insurance services, that will safeguard and actively protect all hard-earned assets of their customers.
According to Mr. Rajneesh Bansal, Managing Director of Paul Merchants, "Bajaj Allianz General Insurance has been doing exceptionally well over the last 22 years, establishing a reputable presence with customers and gaining significant traction. Through this partnership, we will offer a range of insurance products that can financially safeguard our customers along with the best-in-class customer service."
Being a licensed IRDAI corporate agent Paul Merchants Finance will offer all types of general insurance products to customers. The clients will be offered all types of insurance products like Travel, Motor, Cyber, Personal Accident and Home Insurance.
With our 200+ branches under the brand "CoverPay," in collaboration with insurance companies, customers will be INSURED without any hassle.
Speaking on the occasion Mr. SHAIBU CHERIAN, Director of Paul Merchants Finance said ,"We are constantly looking for new ways to provide tailored solutions to our consumers, and we will soon have a few integrated solutions available through our digital distribution channels. We are pleased to have collaborated with Bajaj Allianz General Insurance to develop and offer numerous insurance solutions. This collaboration will surely strengthen our presence in the insurance industry."
The official launch of the partnership was held in Chandigarh on the 6th December 2023. Present on the occasion were:
Mr. Rajneesh Bansal, Managing Director Paul Merchants.
Mr. Mainak Banerjee, Head Websales & Digital Business, Bajaj Allianz General Insurance
Mr. Shaibu Cherian, Director Paul Merchants Finance.
Mr. Ruchit Butala, Head Aggregator, Bajaj Allianz General Insurance
Mr. Rahul Sangwan, VP- Insurance Sales.
About Paul Merchants
Paul Merchants Finance Pvt. Ltd is a well-renowned and established Non-Banking Financial company registered by the honorary Reserve Bank of INDIA. The Company was founded in the year 2010 and has now become an exemplary brand in Financial Services. The unparalleled services and exceptionally innovative products are well accepted and enduringly appreciated by the customers. Paul Merchants Finance Ltd is growing and is spreading its terminals to every part of the country.
Paul Merchant Finance Pvt Ltd. is a fully owned subsidiary of Paul Merchants Limited.
Paul Merchants Ltd has already been a well-established name and is ruling the world of foreign exchange for the last 31 years, being a BSE-listed company, Paul Merchants is a well-flourished brand.
Paul Merchants is one-stop destination for all financial services, thanks to the company's diversification of products and services. Money transfers, prepaid cards, and the insurance distributions are only a few of many significant goods.
Visit our website for further queries: https://paulmerchantsfin.com/
About Bajaj Allianz General Insurance
Bajaj Allianz General Insurance stands as India's premier private general insurance company. It is a collaborative effort between Bajaj Finserv Limited, India's most diversified non-bank financial institution, and Allianz SE, the world's leading insurer and largest asset manager. Bajaj Allianz General Insurance provides a wide range of general insurance products, including motor insurance, home insurance, and health insurance, along with distinctive insurance offerings like coverage for pet insurance, weddings, events, cybersecurity, and the film industry. The company commenced its operations in 2001 and has consistently expanded its reach to be in close proximity to its customers. Presently, it maintains a presence in nearly 1,500 towns and cities across India. Notably, Bajaj Allianz General Insurance holds the issuer rating of [ICRA]AAA from ICRA Limited, signifying the highest level of assurance regarding the punctual fulfilment of financial commitments.
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Convenient Place to Stay near GL Bajaj Institute of Management? Explore AR Residency Girls Hostel!
GL Bajaj Institute of Management students must take into account the importance of selecting the appropriate lodging before they begin their academic journey. For female students looking for a convenient, safe, and comfortable place to live close to the institute, AR Residency Girls Hostel is the best option. We'll look at why AR Residency is best girls’ hostel near GL Bajaj Institute Of Management in this blog.
Advantageous Position:
The AR Residency Girls Hostel is in a prime location near the GL Bajaj Institute of Management. Residents will enjoy easy access to the institute's campus, academic buildings, and facilities because to its ideal location. Students may make the most of their time on campus by attending classes, engaging in extracurricular activities, and using the library thanks to short commute times. An additional level of convenience to student living is provided by the hostel's close proximity to the institute.
Security and Safety:
At the AR Residency Girls Hostel, guest safety comes first. The hostel has all the amenities of a contemporary security system, including round-the-clock CCTV monitoring, safe entrance points, and attentive security guards. With these precautions, students and their parents can live in a safe and secure environment. Residents can concentrate on their education and personal growth without having to worry about their safety because it is of utmost importance.
Comfy Living Areas:
To accommodate its guests' needs and tastes, AR Residency Girls Hostel provides a variety of cozy living areas. Every living space, whether it's a shared apartment or a well-furnished single room, is made to seem warm and welcoming. Comfortable bedrooms, workstations for studying, storage spaces, and high-speed internet access are among the conveniences available to residents. The cozy living quarters in the hostel guarantee that students will feel at home while they work toward their academic objectives.
Services and Amenities:
The hostel offers a wide range of services and amenities to improve the overall quality of life for its guests. Students can maintain connections with their loved ones and academic materials thanks to high-speed Wi-Fi connectivity. The communal spaces are intentionally created to promote camaraderie and leisure among occupants. The hostel also provides laundry facilities, frequent cleaning services, and a clean mess to meet the dietary requirements of the students.
Encouragement:
The AR Residency Girls Hostel is a community that fosters intellectual and personal growth for its students, offering more than just a place to live. To encourage communication and friendship amongst its guests, the hostel hosts a variety of events, seminars, and activities. In order to make sure that students feel appreciated and well-cared for during their stay at AR Residency, trained staff members are on hand to provide assistance and support. The friendly atmosphere of the hostel fosters both personal development and academic achievement.
Cost-effectiveness:
AR Residency Girls Hostel is cognizant of the budgetary limitations that students can encounter. As a result, the hostel provides reasonably priced lodging choices without sacrificing quality. Because of the clear cost schedule that enables residents to manage their finances, AR Residency is an affordable option for students from a variety of backgrounds. The hostel guarantees that every student has the chance to pursue their academic goals at GL Bajaj Institute of Management by offering reasonably priced lodging.
In summary,
AR Residency Girls Hostel is the best girl’s hostel near GL Bajaj Institute of Management. It is the perfect place to call home during the academic journey because of its advantageous location, emphasis on safety and security, cozy living spaces, variety of amenities, friendly community, and cost. The best option for female students looking for a convenient, safe, and pleasant place to live close to GL Bajaj Institute of Management is AR Residency Girls Hostel.
For more information read this blog also: The Perfect Accommodation Solution: AR Residency Girls Hostel near Sharda University
For location click to this link: - https://maps.app.goo.gl/njQ7XKkr4mSLd4M68
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How To Close A Fixed Deposit Account Before Maturity
Have you found yourself in a situation where and How To Close A Fixed Deposit Account Before Maturity? Life is unpredictable, and sometimes financial needs arise that require immediate attention. In this article, we will guide you through the simple steps to close a Fixed Deposit account before maturity without any hassle.
How To Close A Fixed Deposit Account Before Maturity
Closing a fixed deposit account before maturity may seem like a complicated process, but with a bit of understanding and guidance, it can be done smoothly. Whether you need funds for an unexpected expense or want to explore better investment opportunities, here's a simple guide to help you navigate through the steps of closing a fixed deposit account before its maturity date.
How To Close A Fixed Deposit Account Before Maturity Offline
1. Understand the Terms and Conditions:
Before taking any action, familiarize yourself with the terms and conditions of your fixed deposit account. Look for information regarding premature withdrawal, penalties, and procedures.
2. Visit Your Bank:
To close a fixed deposit account before maturity, you'll need to visit your bank in person. Locate the nearest branch and head over to the customer service or banking counter.
3. Carry Identification Documents:
Ensure you have the necessary identification documents with you, such as your government-issued ID, PAN card, and a copy of your fixed deposit certificate.
4. Speak to a Bank Representative:
Approach a bank representative and express your intention to close the fixed deposit account before maturity. Provide them with your account details and fixed deposit certificate for verification.
5. Request the Closure Form:
Ask the bank representative for the premature closure form. This form is specifically designed for customers looking to close their fixed deposit accounts before the agreed-upon maturity date.
6. Fill Out the Closure Form:
Carefully fill out the closure form, providing accurate details about your fixed deposit account, including the account number, maturity date, and the reason for premature withdrawal.
7. Understand the Penalty:
Be aware that premature closure of a fixed deposit usually incurs a penalty. The penalty amount varies from bank to bank, so make sure you understand the financial implications before proceeding.
Bank Name
Premature Withdrawal Charges
SBI
0.50% – 1%
ICICI Bank
0.50% – 1%
Axis Bank
1%
HDFC Bank
1%
Kotak Mahindra Bank
0.50%
IDFC First Bank
1%
Union Bank of India
1%
Canara Bank
1%
IDBI Bank
1%
Punjab National Bank
1%
Bank of India
0.50% – 1%
Citibank
1%
Bank of Baroda
1%
STFC Fixed Deposit
2% – 3%
Bajaj Finance FD
0.55% – 1%
8. Receive the Amount:
Once the closure form is submitted and processed, the bank will release the funds into your linked savings or current account. Confirm the transaction details with the bank representative.
9. Update Passbook or Statement:
If your bank provides a physical passbook or statement for your fixed deposit account, ensure that it is updated to reflect the closure. This documentation is essential for maintaining accurate financial records.
10. Confirm Closure in Writing:
Request a written confirmation of the closure of your fixed deposit account. This document serves as proof and can be handy for future reference.
How To Close A Fixed Deposit Account Before Maturity Online
Are you wondering *how to close a Fixed Deposit account before maturity online*? It's not as complicated as it might seem. Here's a straightforward guide for you:
1. Log In to Your Online Banking Account:
Open your web browser and log in to your online banking account where your Fixed Deposit is held.
2. Locate the Fixed Deposit Section:
Look for the section dedicated to Fixed Deposits. It might be under the 'Accounts' or 'Investments' tab.
3. Identify the Close or Withdraw Option:
Once you're in the Fixed Deposit section, search for the 'Close' or 'Withdraw' option. It's usually prominently displayed.
4. Fill Out the Closure Form:
You might be required to fill out an online closure form. Provide the necessary details, including your account information and reasons for premature closure.
5. Confirm Closure Terms:
Review the terms and conditions related to premature closure. Ensure you understand any penalties or fees associated with closing the Fixed Deposit before maturity.
6. Submit the Request:
After filling out the form and understanding the terms, submit your request for closure.
7. Await Confirmation:
Once you've submitted the request, wait for confirmation from your bank. This might be via email or a notification within your online banking portal.
FAQ:
Q: Can I close my Fixed Deposit (FD) with SBI before it reaches maturity?
A: Yes, you can, SBI allows premature withdrawal of FDs.
Q: Is it possible to withdraw money from a Fixed Deposit before the maturity date?**
A: Yes, it is possible to withdraw money from a Fixed Deposit before maturity, but it comes with certain conditions.
Conclusion:
Closing a fixed deposit account before maturity is a financial decision that requires careful consideration. By following these simple steps and being aware of the associated terms and penalties, you can efficiently navigate the process and access your funds when needed. Always consult with your bank if you have any questions or concerns regarding the premature closure of your fixed deposit account.
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The Bajaj Bike Dealers and Showrooms in Indore
Choosing the right Bajaj dealerships in Indore is essential when you're looking to purchase a Bajaj motorcycle or any other Bajaj product. To help you make an informed decision, here's the ultimate guide to choosing the right Bajaj dealer in Indore.
Research:
Start by doing some research. Look for a list of authorized Bajaj dealers in Indore. You can find this information on the official Bajaj Auto website or by asking for recommendations from friends and family who have purchased Bajaj vehicles.
Check for Authorization:
Ensure that the dealer is authorized by Bajaj Auto. This is crucial as authorized dealers are more likely to provide genuine products and offer better after-sales service.
Location:
Consider the proximity of the dealer to your home or workplace. Choosing a dealer that is conveniently located can save you time and effort when you need to visit for servicing or other issues.
Reputation:
Look for customer reviews and ratings online. Check platforms like Google reviews, Facebook, or dedicated automotive forums. Positive reviews and a good reputation indicate a trustworthy and customer-friendly dealer.
Visit the Showroom:
Plan a visit to the dealer's Bajaj showroom in Indore. This will give you a chance to assess the cleanliness, organization, and overall appearance of the dealership. It's also an opportunity to interact with the staff and get a feel for their customer service.
Product Availability:
Ensure that the dealer has a wide range of Bajaj products and models available for you to choose from. This allows you to compare different options and make an informed decision.
Test Ride:
Ask if the dealer offers test rides for the Bajaj motorcycles you're interested in. A test ride can help you get a feel for the bike and make sure it meets your requirements.
Pricing and Discounts:
Inquire about pricing, discounts, and any ongoing promotions. Make sure you understand the pricing structure and if there are any additional costs like insurance, registration, or accessories.
Financing Options:
If you plan to finance your purchase, check if the dealer offers financing options and learn about the terms and interest rates they provide.
After-Sales Service:
Ask about the dealer's after-sales service and warranty policies. Ensure they have a service center with trained technicians who can provide maintenance and repairs for your Bajaj vehicle.
Spare Parts and Accessories:
A good dealer should have a well-stocked inventory of genuine Bajaj spare parts and accessories. This ensures that you can easily find replacement parts when needed.
Customer Support:
Interact with the staff to gauge their customer service. Are they responsive and knowledgeable about the products? Good customer support is essential for a smooth buying experience.
Warranty and Maintenance Plans:
Understand the warranty terms and any available maintenance plans that the dealer offers. This can provide peace of mind and save you money in the long run.
Trust Your Instincts:
Ultimately, trust your instincts. If you feel comfortable and confident with a particular dealer, it's a good sign that you've found the right one.
Compare Multiple Dealers:
Don't rush your decision. Visit multiple dealers, compare their offerings, and make an informed choice based on your needs and preferences.
Choosing the right Bajaj dealer in Indore is crucial to ensure a pleasant buying and ownership experience. Take your time, do your research, and make an informed decision to get the best value for your investment.
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Understanding Bajaj Finance Share Price: A Comprehensive Analysis of Bajaj Finance Share Price.
Introduction:
Bajaj Finance Limited, a prominent player in the Indian financial market, has garnered significant attention from investors. Its share price is a key indicator of the company's performance and market sentiment. In this comprehensive analysis, we will delve into various aspects of Bajaj Finance share price, including its historical trends, factors influencing it, and potential future trajectories.
1. Historical Performance:
Examining the historical share price trends of Bajaj Finance provides valuable insights into the company's past performance. Investors often analyze long-term charts to identify patterns, cycles, and potential support/resistance levels. Factors such as quarterly financial reports, economic conditions, and industry trends contribute to the historical movements of the share price.
2. Financial Health:
Assessing the financial health of Bajaj Finance is crucial for understanding its share price dynamics. Investors typically scrutinize key financial metrics such as revenue growth, profitability, and debt levels. Quarterly and annual reports, as well as financial ratios, help gauge the company's stability and ability to generate returns for shareholders.
3. Market Conditions:
Bajaj Finance operates in a dynamic market influenced by macroeconomic factors, regulatory changes, and global economic trends. Changes in interest rates, inflation, and government policies can impact the company's share price. A thorough analysis of these external factors is essential for predicting potential market movements.
4. Competitive Landscape:
The financial sector is highly competitive, and Bajaj Finance faces competition from other players in the industry. Comparing its performance with that of competitors provides context for understanding relative strengths and weaknesses. Market share, product innovation, and customer satisfaction are key considerations in evaluating Bajaj Finance's competitiveness.
5. Investor Sentiment:
Investor sentiment plays a significant role in determining share prices. News, social media, and market rumors can influence how investors perceive the company. Tracking sentiment indicators and market sentiment analysis tools can provide valuable insights into the potential direction of Bajaj Finance share prices.
6. Regulatory Environment:
The financial industry is subject to regulatory oversight, and changes in regulations can impact Bajaj Finance's operations and profitability. Monitoring regulatory developments and their potential impact on the company is crucial for assessing the risk and return profile of its shares.
7. Future Outlook:
Investors are forward-looking, and the future outlook of Bajaj Finance is a key consideration. Factors such as expansion plans, new product launches, and strategic partnerships can influence market expectations. Analyst reports and guidance from the company's management provide insights into its future prospects.
Conclusion:
Bajaj Finance's share price is influenced by a myriad of factors, including historical performance, financial health, market conditions, competition, investor sentiment, and the regulatory environment. A comprehensive analysis of these aspects can assist investors in making informed decisions. It's crucial to stay updated on relevant news and developments to navigate the dynamic landscape of the financial markets successfully. As with any investment, thorough research and consultation with financial experts are recommended before making decisions based on share prices.
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Nifty, Sensex End Little Changed Amid Volatility; Midcap Hits Record High: Market Wrap
India's benchmark indices ended little changed amid volatility on Wednesday, ahead of the Fed Chair's speech at the Macroeconomics and Monetary Policy Conference. However, the Nifty Midcap 150 hit a fresh lifetime high during the day and settled higher for the eighth day in a row. The Nifty Smallcap 250 closed with gains for the ninth day in a row. The NSE Nifty settled 18.65 points, or 0.083%, , lower at 22,434.65, and the S&P BSE Sensex declined 27.09 points, or 0.037%, to end at 73,876.82. Market participants will closely monitor Powell's comments to get fresh cues about the U.S. central bank's policy outlook in the backdrop of robust economic data and high inflation weighing on rate cut expectations. The Nifty 50 fell to an intraday low of 22,346 and the Sensex touched a low of 73,540.27 on Wednesday. "Weak Asian and U.S. market cues coupled with caution ahead of the RBI's monetary policy announcement on Friday saw domestic equities end flattish with a negative bias. Surging crude oil prices and an uptick in US bond yields are making investors nervous, with FIIs offloading local shares further dampening the sentiment,” Prashanth Tapse, senior vice president research, Mehta Equities Ltd. Reliance Industries Ltd., Kotak Mahindra Bank Ltd., Larsen & Toubro Ltd., Nestle India Ltd., and ICICI Bank Ltd. contributed to the gains in Nifty. Tata Consultancy Services Ltd., Bharti Airtel Ltd., Axis Bank Ltd., NTPC Ltd., and Bajaj Finance Ltd. weighed on the index. On NSE, five sectors advanced, three remained flat, and four declined. The NSE Nifty Realty fell the most among peers, while the NSE Nifty PSU Bank became the top performing sector.
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My Main Strategy
- Groww Portfolio
- Zerodha Portfolio
- Paytm Portfolio
### Groww Portfolio
Put stocks in here for tracking the worthiness of the stocks over the long term.
- You like it well
- Earning growth is consistent
- Huge earnings potential
- Small enough for hyper growth
- Unique business
### Zerodha Portfolio
Stocks which are out of favour from the markets.
Trading at historical lowest PE, but has good business growth.
- Big enough
- Unique Business
- Lowest PE
- Consistent Earnings Growth
### Paytm Portfolio
Micro cap companies with good potential.
- Unique Business
- Micro Cap
- Huge hyper growth potential.
## Sectoral KB
### NBFC
High CAR is desirable, Bajaj Finance had high CAR at critical juncture (GFC, Covid).
Customer breakup - high share of salaried or consistent income, high auto loans, high consumer durable.
Cost of fund is higher as compared to banks, hence need to lend in segments where interest margin is higher.
Turn around time for money is quite less, as raw material is money and final product is money. You the return from reinvested profits quickly.
RBI has made NPA norms stricter in recent years.
| Institution | Cost of Funds | NIM | Remarks |
| --- | --- | --- | --- |
| NBFC | around 7% | |Comparable to FD rates of the time |
| Banks | 3.5% | 4% |Comparable to repo rate of the time |
Banks don't unsecured loans, whereas for NBFCs they are ideal customers.
#### [[Bajaj Finance Ltd]]
For banks, ideal customer are
- Mortgages
- Auto Loans
- Personal Loans
### Banks
Book Value compounding is important than PE.
High Return on Equity is important too.
Good Management is important, since accounting in banking very arbitrary, one can show same npa in a very attractive way.
Counter Cyclical Lending
High CASA
## Screening Tools and Resources
- [[Screener.in]]
- [[Tickertape]]
- [[Tijori]]
- [[Moneycontrol]] [[Research]]
- Value picker Forum
- India's macro data
- Energy demand
- Oil Import demand
- (link::https://www.indiainvestments.wiki/)
## Investing Strategies
- Intraday trading
- Positional Trading
- HODL
- Securities Lending and Borrowing
- straddle strategy.
- short volatility.
- sell straddle
## Checklist for Shortlisting
(link::https://www.indiainvestments.wiki/stocks/due-diligence-checklist)
==Replace the below with above link==
- Outperform the NIfty 50
- Good Revenue/Sales Growth
- [[Company Fundamental's Glossary#ROCE|ROCE]] >15 | High ROCE
- Profit/Net-Income Growth > 10
- Profit Margin Growth
- Read about the company & sector
- Check the Chart of PE & EPS
- Debt levels
- Promotor Holding Increase
- Product mix is good
- Unique business model.
- Cashflow
- Growth Guidance.
## Unique Businesses
- Titan
- Mapmyindia
- **Elasticrun**, it seems, has managed to crack an elusive code—hyper-scale without upsetting incumbents. Which, in this case, are distributors of FMCG products.
- **Atomionics** - they into using quantum sensors to create the map of the earths crust, so that mining can be made green and more exact process.
- Infoedge
- EaseMyTrip
## Shorthands
### Rule of 72
Divide 72 with rate of return, the number you get is the no of year it takes to double your investment.
## Things that are everyone needs
1. Paints
2. Wires & Cables
3. Medicines
4. FMCG
5. Fashion
6. Fast Food
7. Laptops
8. Batteries
1. Electric Vehicles
2. Mobile
3. Electronics
## Advices
- Lowest PB Ratio
- Put a Keywords Alert on Google or other such sites to know when that particular stock is getting popular aka euphoria
- Boring is Beautiful
- Sit on Cash, if not finding ideas
- Be a Dumpster Diver
- Look at Sector that have tanked due to some problems.
- Small in size, Medium in experience, Large in aspiration and Extra-large in market potential - SMILE
- Look for companies that are going to manufacture laptops.
- Buy companies after a scandal or spooky regulation changes [[#^p1]] [[#^p2]] [[#^p3]]
- Pharmas, etc
- Buy companies that might go bankrupt but has huge moat or historical significance. [[#^p1]] [[#^p4]]
- Look for companies that have moat that is difficult to replicate.
- Stay invested during last and first week of year. Preferably stay invested all the time.
- Nifty Basis Charts for seeing the buying and selling pressures.
- Watch for Dairy Industry for coming decade.
- Bet on aspects that if stayed the same, will result in multi baggers. Look at past performance rather than future speculations.
- Like people, companies have character, which pays off in long term. Bet on that character staying the same.
- Sameness means the persistence of history.
![[Benner-Cycle.webp]]
## Cutouts
## Related
- [[Company Fundamental's Glossary]]
- [[Nifty Index Constituent's Perf Evaluation]]
- [[Interesting Sectors]]
- [[Good Stocks]]
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Top 5 Online Platforms for Instant Personal Loans in 2023
Living in a fast-paced world where unexpected financial needs can crop up at any moment, the availability of instant personal loan online platforms in India has proven to be a game-changer. These platforms offer swift and hassle-free access to funds, making it convenient for individuals to secure loans for various purposes. In 2023, we've curated a list of the top 5 instant personal loan platforms in India, each with its unique features and offerings. Let's explore each platform, including details about loan amounts, tenure, and interest rates.
LazyPay
LazyPay, powered by PayU, is a leading instant personal loan online platform in India known for its rapid approvals and secure online application process. With LazyPay, you can assess your eligibility for a loan by simply providing your mobile number. Once approved, the money is swiftly transferred to your bank account, and the best part is that approvals often take just minutes without any cumbersome paperwork involved.
PaySense
PaySense is an excellent choice for salaried professionals and self-employed individuals seeking instant personal loans. The platform offers a convenient application process through both its app and website. To qualify, applicants must have a minimum monthly income of ₹18,000 for salaried individuals and ₹20,000 for the self-employed. PaySense provides competitive interest rates ranging from 16% to 36% on a reducing balance basis.
CASHe
CASHe serves as a reliable source of funds, especially during medical emergencies and financial crises. The platform assesses loans based on a borrower's social profile, merit, and earning potential, utilizing a proprietary algorithm-based machine-learning system. CASHe's app is accessible on both Google Play Store and Apple Store.
Bajaj Finserv
Bajaj Finserv, a well-established name in personal financing, offers personal loans of up to ₹25 lakhs without the need for collateral. They provide the added convenience of a zero-interest EMI card for financing purchases and paying monthly bills. Bajaj Finserv offers flexible and hassle-free borrowing options.
Fibe
Fibe stands out as a prominent player in the realm of instant personal loans in India for 2023. Recognized for its user-friendly interface and efficient loan approval process, Fibe has gained popularity among Indian borrowers. With Fibe, you can apply for personal loans within minutes and receive funds in your account rapidly. The platform offers flexible repayment options and competitive interest rates, making it an attractive choice for those seeking swift financial assistance.
Conclusion
These instant personal loan platforms offer convenient and efficient solutions to address your financial needs. However, it's crucial to borrow responsibly and within your means to ensure a secure financial future. Whether it's a medical emergency, debt consolidation, or fulfilling a dream vacation, these platforms provide financial support.
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Crafting a Successful Career as a Credit Analyst through an Online MBA in Finance!
Online MBA in Finance: A Launchpad to Success:
Embarking on an Online MBA in finance is a strategic endeavor for aspiring Credit Analysts. This modality offers not only flexibility but also a rich curriculum focusing on financial management, investment analysis, and risk assessment. These components are vital for developing the acumen needed to assess credit risk accurately, thereby enabling analysts to formulate informed recommendations about granting credit.
Industries and Opportunities:
Credit Analysts, with an MBA in finance, find opportunities across various industries like banking, investment firms, insurance companies, and credit rating agencies. Each sector comes with its unique demands and offers a variety of experiences. For instance, banking requires a profound understanding of individual financial health, while working in a credit rating agency involves assessing the financial stability of corporations and governments.
Challenges in the Credit Analysis Realm:
The realm of credit analysis is fraught with challenges, including keeping abreast of ever-changing financial regulations and economic conditions. A successful Credit Analyst needs to cultivate the ability to synthesize vast arrays of financial data and market trends to make precise predictions about an entity's financial future, requiring continual learning and adaptability.
Top Hiring Companies in India:
ICICI Bank
HDFC Bank
SBI
CRISIL
CARE Ratings
Axis Bank
Kotak Mahindra Bank
Bajaj Finserv
Reliance Industries
Tata Consultancy Services
Considerations for Pursuing an Online MBA in Finance:
Choosing to pursue an Online MBA in finance necessitates careful consideration of various factors like the institution’s credibility, the relevance of the curriculum, and potential return on investment. A well-thought-out decision in this regard ensures the acquisition of pertinent skills and knowledge, setting the stage for a successful career in credit analysis.
Let ShikshaGurus help you in your Education Journey:
ShikshaGurus assists you in exploring and comparing courses from over 60 online and distance learning universities. They offer free, unbiased consultation sessions with experts to guide you in selecting the ideal educational path. Furthermore, they provide assistance in finding the best university that aligns with your budget.
Conclusion:
Becoming a successful Credit Analyst is a journey of analytical exploration and continual learning. An Online MBA in finance serves as a compass, guiding aspirants through the intricate landscapes of financial assessment and credit risk. By addressing the challenges, exploring varied industries, and making informed educational choices, one can shape a rewarding and impactful career in credit analysis in India.
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