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Why do Banks Invest

What is Banking?Banking can be defined as the business activity of accepting and safeguarding money owned by other individuals, and for earning profit they lend this money. But as the time passes by the activities covered by banking business have widened and now various other services are also offered by banks. Banking services issue debit […]

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Risks Involved in Investments

Risks in financial sector can be defined as the amount of uncertainty in the expectation of return for an investment made. To be precise, it can be said that when an investment is made, a certain return is expected out of it, and the deviation of the return of the investment from its expected return […]

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Credit Appraisal

INTRODUCTIONCredit appraisal means an investigation done by a bank before providing any advances, loans or project finance. Banks also check the financial, commercial & technical viability of the project proposed its funding pattern & further checks the primary & collateral security cover available for recovery of such funds.Credit Appraisal is a process to ascertain the […]

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Maturity Gap

Maturity OverviewThe distinction between the normal development of advantages and liabilities is called development hole. At the point when the development crevice is equivalent to zero progressions in investment rates will bring about equivalent however counterbalancing changes in the estimation of advantages and liabilities and net pay. Along those lines it is all conceivable to […]

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Income Inequality

DEFINITION:What is an income? Income is the revenue that comes from wages salaries interest on investment, dividends and profits from selling items.Income inequality is a situation in the economy where there is not an equal distribution of income or reserves among the population of a country. In a capitalist economy where the pie is there […]

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Investment Portfolio of Banks

All commercial banks invest. What they do is that they take the money received from the regular banking transactions and put them in investments. To manage the funds properly they need an investment portfolio so which allows them to utilize the funds in an effective manner and also generate enough profits. The investments made by […]

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Thoughts 2.0

Paul’s Favourite Flag

You probably might have heard about Paul the oracle during the 2010 Football world cup games. Paul is an octopus. You might think how was he able to predict the winners of 7 2010 world cup games by choosing food from plastic boxes which had the nation’s flag on them. Football fans might be angry […]

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Duration based approach to Investments?

Introduction: Duration Based Approach in investment depends on the investment goals and time frames, the amount of risks that can be taken and the income and tax structure. Investments on the basis of duration could be classified as: Short-Term, Medium Term or Long Term . Short Term Investment: Investments made by an individual or organisation […]

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Save the Planet

Why buy the new iPhone when you can save the planet with just half the cost?

I am a resident of Bhubaneswar. I consider myself educated and a believer of the fact that current economy model is not sustainable for the planet. With all these self-proclaimed accolades I could not think of spending INR 50000 on a solar on grid system for my home in Bhubaneswar. The cyclone Fani of 2019 […]

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Science & Technology

Review of the V Guard 1200 S

The Vguard  1200 S is the first of its kind solar inverter which has IoT Capabilities. I have been using this product for a few weeks now and following is the review of the product. Priced at nearly 9000 at amazon and sold by Vguard official itself this product demands a 40% premium when compared […]