Get Smart with FinSmart E-Learning for Investors


We have a habit to be unorganized and casual about how we spend our  money, but what if we realise the potential of our hard earn money and make it earn for us, sounds like I am cracking a joke, right? Well! I am not because recently Finsafe have released an e-learning module named FinSmart to provide a scalable learning solution on personal wealth management.

Bangalore, India, April 20th 2016.

Finsafe India Private Limited has launched an e-learning module providing comprehensive information regarding personal wealth management. The 2 hour long module named FinSmart is aimed at people who want to make the most of their disposable income. It’s an excellent option, rather than just saving money and earning literally nothing out of it, learning and understanding different way to invest money opens up windows for better chances of ROI.

FinSmart covers basics of investment and concepts like inflation, compounding and risk in great detail. Investment tools such as mutual funds, debt instruments, insurance and pension, as well as factors affecting them are described in depth. Users also gain from a comprehensive financial planner, a model portfolio and the facility for making online investments.

FinSmart is an initiative of Mrin Agarwal, who won the CNBC Grand Jury Award for work done towards Financial Inclusion & Education in 2015. Mrin is also the co-founder of Womantra, a training program aimed at enhancing financial awareness among women. Womantra has trained more than 5000 people across 40 corporates across India over the last 2.5 years. The training sessions conducted by Womantra brought out that most young professionals in India were not prepared to achieve their financial aspirations and further highlighted the critical need to raise financial awareness and inclusion.

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Finsafe was created with the purpose of being a knowledge repository that simplifies financial information and empowers people to create wealth. “In a surging economy like India’s, it is crucial that individuals are informed to take effective action to improve overall financial well-being and avoid monetary distress.” says Mrin Agarwal. A Standard & Poor’s Financial Services LLC survey has found that more than 70% of Indians fare badly in financial literacy.

Finsafe’s efforts converge towards building a more financially inclusive future and FinStart is designed to address the investor awareness gap. FinStart is among the first of its kind opportunities for Indians to learn all about wealth management and investment at the place and pace of their choice.

About Finsafe India Pvt. Ltd.

Finsafe is a finance education & inclusion organization focused on equipping people with strategies to handle their money with focus on goals, growth and safety. Finsafe is a pioneer in bringing e-learning solutions on personal-wealth management to India. Learn more at www.finsafe.in .

Stock Market Investment – Be Wise


Investing in Stock Market is always considered to be not for the faint hearted, but what if the company is consistently performing well? Stock Market investing might be risky but it’s not the case when you analyze and compare the stock performance with proper basic knowledge of Market or even hiring a consultant is a wise choice if you are keen into trading into share market stocks.

Recently, while I was browsing the BSE website for a GLIMSE of where the market is going, I came across Kushal Tradelink Ltd, and while I was checking their stock performance I was surprised to see that the company has been a consistent performer in the Last 6 months when the BSE was not stable and fluctuating on a downward turn, sharing a screenshot  analysis for overview.

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So, if you see the Performance you would be tempted to invest in such a company but before that let me share with you the company details:

Kushal Tradelink Ltd has been in the market since 16 years now, it was incorporated in 2000, its major business is into Paper Sector, and they have 3 giant paper mills in Gujarat and a corporate house as well, apart from that the company also has wholly owned subsidiary in Singapore and in Ajman(UAE), subsidiaries are involved trading of physical agricultural, chemicals, paper waste and metals trading

Kushal Tradelink Ltd major revenue is generated through its paper manufacturing from recycle paper plants which had a turnover of Rs. 89.47 Cr., up 33.38% from last quarter Sales of Rs. 67.08 Cr. and up 21.44% from last year same quarter Sales of Rs. 73.68 Cr. Thought being listed in the BSE in B group I believe that it will be soon on S&P BSE 500. Stock is trading actively with over 10 lac shares average on a daily volume, stock price has risen consistently and have never fall even Rs. 10 from its high price at any point of time, company have declared interim dividend twice 40% in January and 60% in March.

Note*: December and September Quarter turnover and profits do not includes their subsidiaries turnover and profits, that will be accounted in annual financial balance sheet.

Kushal Tradelink Ltd are aggressive in the sales, bagging contract of Rs. 200Cr. with Shree Rama news prints, 250Cr. Deal with Adron enterprise ltd (Adani Group), 1000Cr. Deal with Bungee India (fortune 500 company) as well as more than 1500 SME business across India are regular buyer of their paper products.

Showing confidence in the growth of Kushal Tradelink Ltd, there has been a sharp increase in the number of retail investors , comparing after December Quarter 7991 retail investors have invested in Kushal Tradelink’s stock and after March quarter it rose to 20,000+ that shows increasing substantial public interest in the company’s stock. (refer for details: BSE

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Sometimes wise decisions are made by comparing analytical data and going through the progress pattern of a company before investing in stock market, and if I talk about Kushal Tradelink Ltd and the details I have mentioned above, it is quite obvious that the performance and growth is consistent and investment in such stocks pay consistent dividend.

If you have any questions or queries, please comment below.

How prepared are you – Do your Homework


Planning for a Childs future in terms of education is always in the top priority whenever you ask parents, education is that framework which will secure a Childs future and that’s why the emphasis on quality education is a set benchmark with parents who are willing to invest in their Childs education. Now talking about a Childs future, the basic research as a parent you would do is understand what does your child aspiration is and what does he want to become, I know that children these days get easily inspired after watching certain things  and it keeps on changing multiple times, however if we consider cost of education in any field today compared to say 1 or 2 decades, you will be surprised to know the inflation rate in education sector has been soaring more than 300%, now that can set any parent on the back seat considering how to plan financial with such high inflation rate for Childs future.

The trend in India as we might have observed from our parents, their friends, neighborhood and society is that firstly education funds are not always the set priority and its heavily dependent upon funds from FD’s (fix deposits), inheritance funds left by grandparent for their grand children and in many cases which is common these days is education loans which I feel is more of a burden which creates pressure for both parent and child.

I would give a fair share to my parents for providing me quality education, they definitely understood that education is a must for a brighter future and kept saving from the very beginning, however the saving were not enough to fulfill the complete fees and we had to opt for other resources however the intend was always there.

We are now an educated bunch of youth developing in India and we sure know the importance of Education but what we lack is the understanding somewhere about what could be a healthy and profound solution of saving for our child’s education? Mutual funds! How does that sound? Yes, with the ever growing and developing market, mutual funds investment has that right algorithm to fight the mighty inflation, as the investment grows and evolves with market at a brisk consistent rate.

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Lately an initiative was conducted in many cities of India at Crossword and KidZania on-ground activation for NEW INVESTOR EDUCATION AWARENESS CAMPAIGN – #DoYourHomework by Axis Mutual Fund to better understand the parent and child relation in terms of aspiration sync, apart from that information regarding parent’s ideas and opinion on education savings for their children were also taken as a crucial parameter.

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Considering the data and research parameter from the campaign, Axis Mutual Fund came up with some healthy pointers and useful details in their micro-site do your Homework, if you browse through you will come across a custom made market ready calculator that will help you plan your Childs future, apart from that you can also download The Homework App, a space that will make you think and get guidelines on how mutual funds can be beneficial if investment is started from a early age of the child and multiple market aspects as well.

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Bike Finance option in Pune


Ok, so now i was sorted which bike to purchase, if you have missed the previous post, you can check it out here: Finding new bike in Pune

Next stop in my quest to purchase a bike was finance, thou dad said we shall pay in cash, still I convinced dad about considering bike finance in Pune  or minimal check loans as many banks and financial corporation are providing convenient payment options, minimal documentation and long durations tenures which helps in paying as per individuals budget and prevents from sinking the pocket empty in one go.

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Let me list a few major two wheeler loan providers in Pune  from the research I did while looking for the best one, a few in random list:

1) Bajaj Finance

2) ICICI Bank

3) HDFC bank

4) Tata Capital

5) Bank of India

6) State Bank of India

7) Kotak Mahindra Bank

If you are looking to compare them do consider the following parameters:4575652744_313x227

1) Interest rate (the lower the better)

2) Processing fees (has to be minimal)

3) Maximum repayment period (the higher the better)

Some of the basic documentation required as income proof in most bike loans procedures:

1) If you are salaried then

  • Should be 21 years or above
  • 3 months salary slip
  • Minimum gross income of 1.5 lacs per year
  • ITR or FORM 16 if applicable
  • Resident proof

2) If you are self employed then

  • Should be 21 years or above
  • Bank statement of 6 months minimum
  • Minimum gross income of 1.5 lacs per year after tax deduction
  • 2 years ITR with tax deductions if applicable

So, if you are sorted with your documentation, then you can avail the services of finance, however in this age where we compare every little thing before we purchase and as I have listed above some pointer for comparison. One major aspect is bike loan interest rate in Pune, let’s compare with an example for a better idea:

Loan Provider Rate of Interest Tenure Processing Fees
ABC Bank 10% 2 years 2% on total amount
ABC Finance 12% 3 years 1050.00
ABC Corporation 20% 2.5 years 1.5% on total amount
ABC FinCorp 15% 3 years 500.00

So which one is better? Considering the least amount of interest, processing fees and the maximum tenure period as a first option, in my example ABC FinCorp was providing a good interest rate with more tenure, so I would consider that as my first option as bike loan in Pune.

Summing all up, finding a decent bike finance in Pune is easy, considering you have proper documents in place, as approaching to any finance provider they require some guarantee that your pay back is considerable.

Reliance Digital Experience .. A Paradise


What:  Reliance Digital Experience  – Experiencing a pinnacle in consumer products retail chain !

Where: Reliance Digital, FF-52, R City Mall, Phase 2, LBS Marg, Ghatkopar West, Mumbai 

When: 9th June 2013 – Sunday

Brief About Reliance Digital:

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Reliance Digital is the consumer durable and information technology concept from Reliance Retail. 

Reliance Digital seeks to fulfill the dream of every Indian, be it through its nationwide network of conveniently located stores or through its presence on the web, by providing a delightful shopping experience of products & solutions and helping them bring home the latest & best in technology from the widest selection at the lowest assured price with complete peace of mind through lifelong support.

My Experience:

Located in Ghatkopar it was a perfect location for me to visit the Reliance digital Experience store, I am a techno freak and love to check out what’s new and worth the buy, being a consumer I always consider after sales services, quality, price, brand  of the product before I purchase anything.

As I went to the Reliance digital experience, the branch manager Mr. Arul greeted me and gave me a brief on all the segment and told me to discover the segment one by one, as he was busy with other executive and clients, he couldn’tcome along with me throughout the review, but ensured that if I had any queries I could contact him!!  

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The Review Phase:

The Four Pillars – Experience Zone:

  • Camera Section: Quite conveniently arranged were cameras and Dslr according to the megapixels and price range, all were operative and an executive was present to guide me accordingly to highlight the features.. Even so there were knowhow’s about the camera and dslr .. What to buy and how to buy guide .. Which was just so helpful from a consumer’s perspective ..Graphic3
  • Game Zone: Play Stations with LCD were installed for gamer to test the games and the console before they buy, mainly 2 brands console were on display and an executive was there to help out … I found it quite interesting and tried my hands on the game .. It was fun ..

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  • Mobile Connect: A complete section dedicated to mobile phone and accessories, many brands and a wide variety of phones were on display, most of them were functional which helps consumers find the features and understand the product through their perspective, a know how guide on which phone to buy according to the features and which OS to choose from … a guide about it was present for consumers to understand before they purchase a mobile .. I liked the way they had put in the information .. It was worth it ..

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  • Laptop Section: Here again a dedicated section for Laptops and accessories were on display … From sizes of the operating systems to processors … each detail were mentioned and a large variety of brands on offer !! A tempting deal when you have so much of variety under stipulated price range according to your budget .. Here also some knowhow mentioned such as which laptop to choose according to the requirement of the consumer.. From working professional  to students and home users …

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  • Home Appliances:
  • Television – LCD’s, LED’s, Home Theatre – A huge range of products on display, I was captivated to see so much variety under one roof, well planned and put in .. From sizes and brands.. It’s just paradise for consumers..

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  • Washing Machines, Microwave, Air Conditioners, Refrigerators – A good range of products and a knowhow guide for consumers to better understand on how to buy products accordingly …
  • Music Systems: MP3 players, headphones, earphones of international and national brands were on display .. with live access to the MP3s and headphones, it gives consumers that extra edge before purchasing  …
  • Home Theatre Room:  A dedicated home theatre room for consumer to  experience the 3D TV and decide before purchasing !20130609_174411

Reliance ResQ:

With a focus to provide end to end solutions related to all technology products, Reliance Digital introduced ‘Reliance ResQ’ – an exclusive Service Center that provides service and extended warranty covering most of the leading brands. This service is available on all 365 days of the year making the customer care free about the repairs or maintenance for their valued electronics or appliances.

Some  highlights of Reliance Digital

  • Nice layout of products for convenient selection
  • Consumer awareness by showcasing how to on productsGraphic1
  • Hands on live products review experience
  • Good Customer support staff
  • Easy Finance Schemes not only on credit cards but from private finance too
  • Easy EMI schemes on non consumer products like laptops, mobiles, camera & Dslr
  • “We recommend from Reliance” a Section in every Segment.20130609_174645