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In today’s world The customer wants to buy the house for their family or individual safety planning to secure their future. But the scenario is that the inflation is highly impact on their purchasing power so the user wants to buy a home from the Best Home loan banks in India . Some few criteria which is impact of rising interest rate on homes in India: -   Affordability- The user thinks about how to afford for their house through home loans but the rising home loans impact on their choices. The affordability can come if the buying power of user is high  Decreases in demand- The decreases in demand due to rising home loans also impact on it whereas the buying power of consumers are high then then impact on opposite of it.  Sell homes with more difficulty- The sell of homes with more difficulty with the rising interest rates on home loans in India. People do not engage themselves to sell the homes.    Reduced home sales- When the rising interest rates on homes...

An emergency fund is one of the most crucial foundations for building a strong financial future. It is always said that life has no guarantees. That is why, when planning for your financial future, it is always useful to have some money set aside to cater for any emergencies that may occur. Nevertheless, establishing and accumulating an emergency fund can be quite challenging, especially for those who are in the early stages of developing their fund. After reading this article, let me share with you some important tips on how to manage your savings correctly to equip yourself for life’s uncertainties. 1. Set a Clear Goal The first step of expanding the emergency fund is to decide on an amount that needs to be set aside. The commonly recommended amount is between three and six months of living expenses. This should include basic living expenses such as rent/mortgage, utilities, food, transport, and health insurance plans . If your source of income is unpredictable or you are the breadwi...

Public Sector Undertaking (PSU) mutual fund investment in India have gained significant attention in recent times due to their impressive performance. In the last year, several PSU mutual funds have delivered outstanding returns, with some even surpassing the 100% annual return mark. This remarkable achievement has made these funds a focal point for investors seeking substantial growth in their portfolios. 1. SBI PSU Fund The SBI PSU Fund has been a standout performer in the mutual fund space, consistently delivering high returns. Over the past year, this fund has benefited from the strong performance of the PSU sector, particularly in energy, banking, and infrastructure. The fund's strategy of focusing on well-established, government-owned companies with strong fundamentals has paid off, providing investors with over 100% returns in the last year. 2. UTI PSU Equity Fund The UTI PSU Equity Fund is another top-performing mutual fund that has exceeded expectations. This fund primari...

Recently, the short-seller Hindenburg Research has once again attacked the SEBI’s Chairperson Madhabi Buch. This comes after Buch’s responses to earlier charges, which according to Hindenburg, have raised ‘new critical questions’ into SEBI’s regulatory role and its handling of corporate governance. Background of the Criticism Earlier this year, Hindenburg Research, which has in recent years published detailed reports on various Indian companies and regulatory shortcomings, has accused SEBI of not paying enough attention to numerous corporate governance and market integrity problems. These accusations have been made in respect of the general structure of laws and regulations and to particular cases which, in Hindenburg’s opinion, reflect improper activities of SEBI or its inactivity, in the event which ended in negative consequences for investors and stability of the stock market. Such criticisms were directed at Madhabi Buch who succeeded Rangarajan as the SEBI chairperson early of the...

Economics is a central element of individuals’ lives nowadays, and investing is an important tool that can help teenagers create the best financial future for themselves. Starting early enables teens to build on compound interests and, more importantly, cultivate good financial foundations.  Here’s what teens should know about investing: 1. Understanding the Basics To begin with, teens should know the basic concepts of investing, which are briefly touched on here. Investments can be anything from stocks and bonds all the way to mutual funds or actual property. It is also important to understand that every type of investment has corresponding levels of risks and benefits. Stocks are ownership certificates in companies, whereas bonds are debt instruments offered to companies or governments and mutual funds are investments in which many people contribute their money to be used in buying several assets. 2. The Power of Compounding This is one of the most significant benefits of, for ex...

funds are quite common and an ideal investment for those who are in search of long-term capital appreciation at moderate risks. These funds whose main objective is to mimic a particular market index, typically the S&P 500, consist of a basket of shares of the specific index.  Here are the steps you need to know when investing in index funds. 1. Understand What Index Funds Are It’s important therefore, to educate yourself on what index funds are, and how you can benefit from them before you invest. An index fund can be defined as mutual fund or an ETF, whose objective is to replicate the performance of a certain index. They provide the investor with rather diversified market exposure while costing relatively little to operate, which is why they remain popular among so many investors. 2. Determine Your Investment Goals Determine your objectives in investing and your time frame. Is your goal to save for retirement, a big ticket item or increase your net worth? Knowing your goals w...

Fixed Deposits Investment are the favourite form of investment for many due to the fact they are secure and have a guaranteed rate of return. Since there is a wide market with so many banks and other related financial institutions providing the fixed deposit service, choosing the best one can be a little demanding. In the following article, let me simplify the guide that would help you arrive at the right fixed deposit with elevated interest rates. Understand What a Fixed Deposit Is A fixed deposit is an investment product that involves placing of cash deposit in a bank for a specified period at a definite interest rate. By the end of the tenure of the company, all that is given back to you is the original amount plus the interest. FDs are safe avenues for investments as they are not bound by forces of supply and demand. Factors to Consider When Choosing a Fixed Deposit 1. Interest Rates The Fixed Deposit Interest Rates is the most crucial factor. Higher interest rates mean higher ret...