Author: Naresh Saini

NTPC Green Energy, a subsidiary of NTPC Limited, is set to launch its IPO soon, aiming to raise around ₹10,000 crore. This will be one of the biggest IPOs in recent times from a public sector company, the last being LIC’s ₹21,000 crore IPO in May 2022. But before making any investment, it’s important to understand the risks involved. Let’s break down the key risk factors outlined in their Draft Red Herring Prospectus (DRHP). Heavy Reliance on a Few Customers: What Happens If They Back Out? One of the biggest risk factors for NTPC Green Energy is its high dependence…

On 17th September 2024, Prime Minister Narendra Modi launched a groundbreaking initiative called Subhadra Yojana in Bhubaneswar, Odisha. This scheme is aimed at providing direct financial assistance to eligible women in Odisha, giving them Rs 10,000 annually in two installments of Rs 5,000 each. It is expected to be India’s largest women-centric financial scheme, with over 1 crore women set to benefit. What is the Subhadra Yojana and How Does It Work? The Subhadra Yojana is a five-year scheme designed to provide financial assistance of Rs 50,000 to women over a period from 2024 to 2029. Under this scheme, eligible…

The NPS Vatsalya Yojana, recently launched by the government, is a revolutionary pension scheme designed for children under the age of 18. This scheme allows parents to open a pension account in their child’s name, contributing to their financial future with the power of compounding interest. With minimal annual investments, parents can create a substantial fund for their child’s future, making them financially secure and even a millionaire by retirement. What Is NPS Vatsalya? NPS Vatsalya is a child-centric pension account designed to encourage early savings for a child’s future. Parents can open this account with a minimum annual investment…

In a significant move to introduce financial literacy from a young age, the Indian government has launched the NPS Vatsalya Yojana, a pension scheme that now allows minors to have their own NPS account. Union Finance Minister Nirmala Sitharaman, in an announcement made earlier this year during the budget session, shared details about this new initiative aimed at encouraging early savings and investment habits among children. This scheme provides an opportunity for parents to secure their child’s future by introducing them to financial security from the beginning. What Exactly Is NPS Vatsalya Yojana? NPS Vatsalya Yojana is a child-specific version…

Investors have only 12 days left to take advantage of special fixed deposit (FD) schemes offered by IDBI Bank, Indian Bank, Punjab and Sind Bank, and State Bank of India (SBI). These banks have extended the validity of their unique FD plans till 30 September 2024. Initially set to expire in June 2024, the schemes were extended to give customers more time to invest. If you’re looking for secure and high-return investments, here’s everything you need to know about these superhit FD schemes. IDBI Bank: Festive FD Scheme IDBI Bank’s Festive FD scheme has become quite popular, offering good interest…

Planning for a comfortable old age is important for everyone, especially for those working in the unorganized sector. The Atal Pension Yojana (APY) is one such government scheme that helps individuals secure their future with a guaranteed monthly pension after the age of 60. Launched in 2015, APY has gained immense popularity, with nearly 7 crore people already enrolled. It is a simple, low-cost pension plan that ensures a steady income during retirement. Small Investment, Big Returns One of the most appealing aspects of the Atal Pension Yojana is that you can receive a pension of up to Rs 5,000…

Bharat Electronics, a key player in the defense sector, has caught the attention of investors, especially after its recent stock price dip. The stock, which once traded at Rs 340, has fallen to Rs 284. However, despite this drop, experts see growth potential. Bharat Electronics’ strong business model, robust order book, and continuous capacity expansion make it a stock worth considering for future gains. Let’s dive into why this stock could be a smart investment. Bharat Electronics Stock Performance and Potential Currently, Bharat Electronics is trading at 36 times the estimated earnings of FY26, and analysts believe that the company’s…

Planning for retirement is crucial, especially for those who have crossed the age of 40. If you haven’t yet begun, now is the time to focus on securing your future. In India, the general retirement age is 60 years, which gives a person in their 40s about 15-20 years to save and invest for a comfortable retirement. Let’s take a look at some key factors to consider for effective retirement planning. Income and Expenses: A Foundation for Your Retirement Plan By the time you hit your 40s, your income may be at a stable level, offering you the chance to…

Srinivasan Ramamurthy, Fund Manager at HDFC Asset Management Company (HDFC AMC), has shared his views on the stock market and identified attractive investment opportunities in the financial sector. While banks remain a top pick, he highlights that insurance companies and select Non-Banking Financial Companies (NBFCs) are showing bullish trends. Ramamurthy points out that despite corporate fundamentals being strong, current market valuations are high, particularly in the midcap and smallcap sectors. He advises investors to exercise caution and avoid making overly aggressive bets, as the market’s tolerance for negative news may be limited. Gold’s Outlook Remains Favorable Despite Market Challenges Srinivasan…

The PM Vishwakarma Yojana is a key initiative launched by the Modi government to provide financial support to artisans and craftsmen across India. First introduced on 17th September 2023, this scheme marks its first anniversary and has been designed to empower traditional workers involved in various occupations. Through this scheme, the government aims to uplift and promote the livelihoods of people who have inherited skills but lack access to formal credit. Who Can Benefit from the Scheme? The PM Vishwakarma Yojana covers a wide range of 18 traditional occupations. Some of the key professions included are: These occupations are vital…