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Should you transfer your home loan to another company just because of better ROI.

Should you transfer your home loan to another company just because of better ROI. I am going to discuss something interesting in this context as The process of transferring a home loan from one lender to another is known as a "balance transfer" or "takeover." which is not a typically very hard as compare to a fresh loan and It is a common practice in India, and many borrowers choose to do so in order to get a better interest rate, lower their EMIs, or change their loan terms. There are several costs associated with transferring a home loan from one lender to another. These include: 1. Processing fees: This is the fee charged by the new lender to process the transfer of the loan. It can range from 0.5% to 1% of the loan amount. 2. Prepayment charges: If you are transferring the loan before the end of the original loan tenure, your old lender may charge you a prepayment penalty. This can be up to 2-3% of the outstanding loan amount. 3. Legal and technical charges: You
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Top 10 quality websites/tools/apps to track the results, news, fundamentals and trends in the stock market

There are numerous websites and applications available in the market to track the stocks. Here are the top 10 quality websites, tools, and apps to track results, news, fundamentals, and trends in India, however these are the one which I like the most, someone else's choice may be different: 1. Moneycontrol: Moneycontrol is a popular financial website that offers comprehensive coverage of the stock market, mutual funds, and personal finance. It provides real-time updates on stock prices, financial news, and research reports. It also has a portfolio tracker and a watchlist feature that allows investors to track their investments. 2. is a global financial website that provides real-time data on stocks, indices, commodities, and currencies. It also has a news section and an economic calendar that tracks important events and announcements. 3. is a powerful stock analysis tool that provides in-depth financial data on Indian companies.

Customer Relationship Management (CRM) is not a department, it's a collective responsibility of all the teams involved in an organization.

Customer Relationship Management (CRM) is the process of managing interactions with customers to improve customer satisfaction, loyalty, and retention. Many organizations believe that CRM is the responsibility of a specific department, but the truth is that CRM is a collective responsibility of all teams involved in an organization. A customer's experience with a company is not limited to a single interaction with a specific department. Instead, it involves various touchpoints throughout the customer journey, including sales, marketing, customer service, and support. Therefore, it is essential to understand that every team plays a crucial role in building and maintaining strong customer relationships. Sales teams are responsible for the initial interactions with potential customers, and their approach can set the tone for the entire customer relationship. A sales team that prioritizes understanding a customer's needs and requirements can establish trust and credibility, which i

How to improve CIBIL Score and get benefits of better ROI.

A good credit score is crucial for obtaining loans and credit cards at favorable interest rates and terms. The Credit Information Bureau India Limited (CIBIL) score is the most widely used credit score in India, and it ranges from 300 to 900. A higher CIBIL score indicates a better credit history and a higher probability of loan approval. Here are some tips on how to improve your CIBIL score and avoid common credit mistakes. 1. Pay Your Bills on Time Late payments negatively impact your credit score. Make sure you pay your bills on time, including credit card payments, loan EMIs, and utility bills. Consider setting up automatic payments to avoid missing any payments. 2. Maintain Low Credit Utilization Ratio Your credit utilization ratio is the amount of credit you have used compared to your credit limit. It is recommended to keep your credit utilization ratio below 30% to maintain a good credit score. High credit utilization can signal a high-risk borrower and lower your CIBIL score. 3

Future of Indian Financial system and economy prospects

The Indian financial system has undergone significant changes over the past decade, with the country's economy expanding rapidly and emerging as one of the fastest-growing economies in the world. The future of the Indian financial system is poised for growth, and there are many reasons to be optimistic about the country's economic prospects. Government Initiatives The Indian government has launched several initiatives to bolster the country's economy and strengthen the financial system. Some of these initiatives include: 1. Digital India: The Digital India initiative aims to transform India into a digitally empowered society and knowledge economy. The government is investing heavily in digital infrastructure and services to drive innovation and growth in the economy. 2. Make in India: Make in India is an initiative aimed at promoting manufacturing in India and attracting foreign investment. The government is offering a range of incentives and benefits to companies that set

What are the most important features of spring boot framework and how spring boot is different from Spring framework?

Spring Boot is a popular Java-based framework that helps developers create standalone, production-grade Spring-based applications quickly and easily. It is built on top of the popular Spring framework and provides several features that make it an ideal choice for modern web development. In this article, we will discuss the most important features of Spring Boot and how it differs from the Spring framework. Easy Configuration : One of the most significant features of Spring Boot is its ability to provide easy configuration of Spring-based applications. It uses a convention-over-configuration approach to minimize the need for XML configuration files. Instead, Spring Boot uses Java-based configuration files to manage application settings, making it easier to set up and manage complex Spring-based applications. Embedded Server : Spring Boot comes with an embedded server that allows developers to build and deploy standalone applications without the need for a separate web server. This featu

My watchlist of the Indian Stock Market. Stocks which my give consistent compounding returns.

In the post, I am sharing my watchlist of the Indian Stock Market. These are stocks which my give consistent compounding returns and these are great in companies (as per my analysis) in their respective industry. In the below which gets updated every time whenever I made changes in my watchlist. Below are the parameters which I would like to elaborate: CMP -Current Market Price Day Change % - Change in % in the stock price as compared to last closing My Affordability/Buy Zone % - It is based on formula which is calculating that how much affordable a stock price is at the CMP; it calculates the average of 52 Week High/Low Avg and have a margin of safety of 15% Current PE Ratio - It is the price to earnings (last 4 quarter) ratio 5 Year Avg PE - Average of 5 years PE PE Discounting - It is indicating that how much % up/down the current PE as compared to 5 years avg PE 52 Week High/Low Avg. - Average of 52W high and 52W low price of the stock, it indicates the range Approx. Fair Value -

What us IDCW in mutual funds? How Does the IDCW Mutual Fund Work?

IDCW in Mutual Funds: Income Distribution cum Capital Withdrawal or IDCW refers to distribution of income of a mutual fund scheme, which may include both dividends paid by stocks and capital gains made by selling underlying stocks from the scheme portfolio. Noteworthy points for IDCW funds: SEBI mandates that dividends can be paid out only from profits earned by the respective mutual fund. Dividend payout rates may vary with each payout cycle. Dividends paid on both equity and debt mutual funds are taxed as per the investor’s income tax slab. In case the investor doesn’t have any source of income other than mutual funds, a mandatory TDS is deducted at 10% from the total dividend income. However, no deduction takes place if the dividend distributed is Rs. 5000 or lower. The dividends are gains that an investor receives over and above his investment. However, this wasn't the case in mutual funds. While the investor receives profits, known as dividends, at the same time, the NAV of hi

What is fundamental analysis in stock market?

Fundamental analysis uses revenues, earnings, future growth, return on equity, profit margins, and other data to determine a company's underlying value and potential for future growth. In this article we will discuss all about the various financial terms used in the fundamental analysis of the company. We are going to simplify all these terms here. Financial ratios can be classified into different categories, here we will simplify it in the following categories Profitability Ratios Leverage Ratios Valuation Ratios Operating Ratios The Profitability ratios help the analyst measure the profitability of the company. The ratios convey how well the company can perform in terms of generating profits. As the profits are needed for business expansion and to pay dividends to its shareholders, a company’s profitability is an important consideration. EBITDA Margin (Operating Profit Margin)-The Earnings before Interest Tax Depreciation & Amortization (EBITDA) margin indicates the efficien

Top high growth, virtually debt free companies with growth potential

Here we are sharing some of the high growth stable companies which are financially strong and virtually debt free. Our criteria is as Market Capitalization > 3000 Average return on equity 5Years > 20 AND Debt to equity < 0.1 AND Interest Coverage Ratio > 2 AND PEG Ratio <= 1) AND Profit growth 5Years > 20 Definition of the parameters: Market Cap :-  Market capitalization, commonly called market cap, is the market value of a publicly traded company's outstanding shares. Market capitalization is equal to the share price multiplied by the number of shares outstanding. Return on equity :-  The return on equity is a measure of the profitability of a business in relation to the equity. Because shareholder's equity can be calculated by taking all assets and subtracting all liabilities, ROE can also be thought of as a return on assets minus liabilities.  Debt to Equity :-  The debt-to-equity ratio is a financial ratio indicating the relative proportion of shareholders