Dilzer Consultants - Investments and Financial Planning

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Category: Research Desk

MCLR vs Base Rate.

What is Base Rate? Our Central Bank (RBI) sets a minimum rate for loan borrowers below which banks are not allowed to lend money that is termed as Base rate. This was done to ensure that the customers would receive lower cost of funds with transparency in the credit market. Why use it over Base rate for loan computation? Till 1st April 2016, banks were using Base rate (introduced in the year 2010) for calculating interest on loan.  This replaced […]

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The Arbitrage Edge

The Arbitrage Edge- Tax efficient and return efficient! The term arbitrage refers to buying and selling of an asset in order to profit from the difference in prices between two markets. For example, the equity stock price of Infosys was Rs. 1,243 in the cash market and the futures price of Infosys was Rs. 1,252 in the futures and options market. Hence by buying the stock in cash market and selling or shorting Infosys futures in the futures market you […]

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All New Goods and Service Tax (GST) Reforms

Contents What is GST                 From when is this effective                 Who will be impacted / exempt   Why Streamline-                                 What is the need?                                 What are the benefits                                 How will the same be streamlined   How will it impact sectors and Govt revenues                 Benefits to the economy                 Industry specific benefits / demerits                  Stakeholders/ consumers benefits / demerits   How GST fits in the  Big Picture   What is GST                 Goods and Service Tax […]

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A snapshot into Masala Bonds

Masala bonds are similar to corporate or government bonds which are issued to raise money by companies or the government. Masala bonds are rupee-denominated borrowings by Indian entities in the overseas market.They are issued to foreign investors such as UK markets (London Stock exchange)and Asian markets and settled in US dollars. Hence the currency risk lies with the investor and not the issuer, unlike external commercial borrowings (ECBs), where Indian companies raise money in foreign currencyloans.These masala bond borrowings have […]

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FD vs FMP and MCLR Rates being offered by banks on loans and deposits

Agenda – Changes in the banking industry and current scenario – What is the impact on you ? – What Investment options do regular investors have – – Choice of FD Vs FMP ( bank wise rate descriptions )  – Choice of FMP ( MF schemes description ) – Tax implications General trend of declining interest rates – Future of your savings and market linked rates is the new theme    Changes in the banking industry and current scenario From […]

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Is gold a sensible or a sentimental investment ?

There are 2 primary reasons why you need to invest in gold. Investing money in gold is worth because it is the best hedge against inflation. Over a period of time, the return on gold investment is in line with the rate of inflation. It is worth investing in gold for a one more very valid reason. Gold is negatively correlated to equity investments. Say for example 2007 onwards, the equity markets started performing poorly whereas the gold has performed […]

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Lease Vs Purchase – option offered by corporates

Of late, many companies have been offering a lease option to employees as a perquisite. This is advantageous to the employee since it offers tax benefits to them. However, often, when they are in the highest tax slab, there are doubts as to whether this is a better option than a loan. We have analysed this  by assuming three scenarios; 1) Where the employee purchases the car outright. 2) Where the employee takes a loan to purchase the car. 3) […]

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Reverse Mortgage – how it works

How does a Reverse Mortgage work ?                 The reverse mortgage, introduced by the Union Government in 2007, is an answer to financial  issues faced by senior citizens, giving them a life of dignity. For senior citizens, who have a lack of regular income or financial support , this could lead to a financial crisis.  In simple terms, a reverse mortgage is the “opposite” of a conventional home loan. A reverse mortgage enables a senior citizen to receive a regular […]

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Real Estate Investments in India

The Current scenario Real estate has become a popular investment avenue. However, lack of transparency and tight regulations means buyers are making investment decisions with limited understanding of the risks involved in parking their hard-earned money in real estate. Though you cannot make your real estate investments risk-free, you must be aware of the possible dangers on the road to property ownership. Here, we discuss a few of these pitfalls. LOOK BEFORE YOU LEAP Until there are entry barriers and […]

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SIP Investments versus Lumpsums

Systematic Investment Plans – are they better than lumpsum investments?  A case study               A Systematic Investment Plan enables you to build a portfolio over a longer time horizon with small investments at regular intervals. This reduces the risk of market volatility as compared to investing a lumpsum amount at one go. One can choose between Quantity based and Amount based SIPs in Stocks, Mutual Funds, ETFs and Gold. Here we are analysing SIP investments in equity mutual funds and […]

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