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sejalkumar-blog · 2 years

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Where Can I Buy SBI Share Price?

The banking sector is the backbone of the Indian economy. Investors should consider adding SBI to their portfolios to spread their investments and make the most money possible. To achieve financial success, the investors must consider the primary historical performance of the company share.

We will guide you through the number of platforms investors can use to start trading in SBI share price. Apart from your trading strategy, the platform you use to trade on the share market today is a crucial component of your overall performance.

Some OF The Best Online Trading Platforms To Buy SBI shares in 2023

In this digital age of technology, convenience is one of the essential factors for trading.

The second most crucial factor is transparent fees and low brokerage charges by the platform. Below, we have outlined some of the traders' top trading platforms.

SBI Securities

Motilal Oswal

IIFL

HDFC Securities

Kotak Securities

Zerodha

PayTm Money

Groww

Upstox

ShareKhan

ICICI Direct

Angel Broking

So, these are all the platforms that clients and traders most commonly use. To start your investing journey, you must submit a PAN card copy, a passport-sized photograph, and all the other KYC documents.

Parameters To Select An Online Trading Brokerage Firm

1. Accessibility

This is the first parameter. The trading software must be easy to use and accessible from mobile, tablet, browser, and laptop. Every platform must build a user interface. The website or the mobile application should make the trade swift.

2. Fundamental Characteristics

The best part about trading platforms is that they must have top-notch security as customers share their personal information with the system. Besides this, the customer service, quick order placements, and complaint handling system all matter significantly when buying SBI shares in India.

After looking at the parameters, let us now discuss the pros and cons of some of the trading platforms in detail so that you understand them better and make wise decisions.

Pros & Cons Of Trading Platforms

3. Motilal Oswal Trading

Pros

Interactive charts to create an integrated portfolio

Create alerts for a group of scrips

Cons

Needs a high system configuration for smooth running on the desktop browser.

4. Zerodha KITE

Pros

Less brokerage

User-friendly experience

Cons

There may be minor bugs while using it on the browser extension.

5. Upstox Pro

Pros

Real-time market news and alerts

Advanced tools to help investors decide

Cons

Technical support needs an upgrade

Very few features in comparison to other competing platforms.

6. Share Khan

Pro

A trusted platform by investors

Availability of premium and brokerage calculators

Cons

Limited to Android and Windows applications

Mutual fund investments are not available.

7. Angel Broking

Pros

Various features like fund management and historical charts.

Various segments like commodity, currency, and intraday trading are available

Cons

Scope of improvement in the software user interface in terms of speed

Not supported on iOS MAC books

Conclusion

In conclusion, we've outlined the benefits and drawbacks of a few popular online trading platforms to help you pick the right one for investing in SBI shares to secure your financial future.

#sbishareprice

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profitsheets · 3 years

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#nifty sensex today #sbi share price #sbi ipo nse #Best Shares to Buy Today in India

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magzoso-tech · 5 years

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New Post has been published on https://magzoso.com/tech/honor-9x-price-in-india-reveal-oppo-f15-launch-amazon-and-flipkart-sales-and-more-tech-news-this-week/

Honor 9X Price in India Reveal, Oppo F15 Launch, Amazon and Flipkart Sales, and More Tech News This Week

Honor 9X and Oppo F15 India launches as well as the Republic Day sales from Amazon and Flipkart dominated the news this week. Both Amazon sale and Flipkart sale will continue next week to offer discounts and offers to the consumers. Additionally, Realme started rolling out Android 10 with Realme UI update for Realme 3 Pro and Samsung announced a price cut for Galaxy A20s. Read on for more on these and other major technology news updates from this week.

Honor 9X launch: Price in India, specifications

Honor, the sub-brand of Huawei, finally brought its Honor 9X smartphone to the Indian market. Although there was a significant gap between the phone’s original China launch and India release, the differences between Chinese and Indian models make the wait slightly worthwhile. Honor 9X is already on sale in the country via Flipkart and it has been priced at Rs. 13,999 for the base 4GB + 128GB variant. The higher-end 6GB + 128GB model will set buyers back by Rs. 16,999. It can be purchased in Midnight Black and Sapphire Blue colour options. Just for one day, Honor is offering Rs. 1,000 discount on the Honor 9X price.

Honor 9X is a dual-SIM smartphone and runs Android 9 Pie with the custom EMUI 9.1 skin on top. It packs a 6.59-inch full-HD+ (1080 x 2340 pixels) display, HiSilicon Kirin 710F SoC, up to 6GB of RAM, and 128GB of onboard storage that can further be expanded via a microSD card (up to 512GB). Additionally, there is 4,000mAh battery with 10W charging support, USB Type-C port, fingerprint sensor, and the usual connectivity options.

Honor 9X features a 4,000mAh battery that supports 10W fast charging

You will also get a triple rear camera setup that is highlighted by a 48-megapixel main shooter with an f/1.8 aperture and AIS Super Night mode support. It is assisted by an 8-megapixel wide-angle camera with a 120-degree field of view, and a 2-megapixel depth sensor. Selfies and video calls are handled by a 16-megapixel snapper with an f/2.2 lens, housed in a pop-up camera module.

In addition to the Honor 9X, Honor has also launched its Magic Watch 2 and Band 5i smartband in the country. The Honor Band 5i is priced at Rs. 1,999 and is also already on sale via Amazon. On the other hand, Honor Magic Watch 2’s 46mm model starts at Rs. 12,999 for the Charcoal Black variant, while the Flax Brown colour option will up for grabs at Rs. 14,999. The larger 42mm model of the Honor Magic Watch 2 is priced at Rs. 11,999 for the Agate Black variant, while buyers will have to shell out Rs. 14,999 for the Sakura Gold version. Same as Band 5i, the smartwatch can also be grabbed via Amazon.

Oppo F15 India launch: Price, specifications

Oppo F15 became the latest smartphone to join the Chinese smartphone maker’s India portfolio this week. Targeted at young consumers, the Oppo F15 is being released in just one storage variant that carries a price tag of Rs. 19,990. According to the company, the consumers will be able to buy the phone beginning January 24 via all major smartphone retailers in the country, including e-commerce websites such as Amazon and Flipkart. Oppo F15 will be offered in Lightning Black and Unicorn White colour options.

Oppo F15 is a dual-SIM smartphone and runs Android 9 Pie with ColorOS 6.1.2 on top. It features a 6.4-inch full-HD+ (1080×2400 pixels) AMOLED display with 20:9 aspect ratio and Corning Gorilla Glass 5 protection. It is powered by octa-core MediaTek Helio P70 (MT6771V) SoC, paired with Mali G72 MP3 GPU and 8GB of LPDDR4x RAM. There is an in-display fingerprint sensor onboard as well. Additionally, you will get 4000mAh battery with fast charging support, 128GB of UFS 2.1 onboard storage, microSD card slot, USB Type-C, and other usual connectivity options.

On the imaging front, Oppo has included a quad rear camera setup that includes a 48-megapixel primary shooter with an f/1.79 lens, an 8-megapixel secondary sensor with an f/2.25 ultra-wide-angle lens, and two 2-megapixel sensors for capturing portrait and monochrome shots, with f/2.4 lenses. For selfies, the Oppo F15 packs a 16-megapixel selfie camera at the front.

Amazon, Flipkart sales

Amazon and Flipkart, two of India’s biggest e-retailers, are running their pre-Republic Day sales. The Amazon Great Indian Sale 2020 and Flipkart Republic Day Sale kicked off slightly earlier for Prime and Plus members, respectively, on Saturday and then expanded to everyone today. Both Flipkart and Amazon sales will continue through January 22. These Republic Day sales include offers on mobile phones, tablets, smart TVs, wearables, and other consumers electronics, alongside the non-tech stuff. You can check out the best deals in the related articles at the end of this wrap.

In terms of the offers, Amazon Great Indian Sale includes 10 percent instant discount on all eligible products for payments made using SBI credit cards, no-cost EMI options, and a lot more. Some of the great deals that we have spotted include discounted phones like Redmi Note 8 Pro, OnePlus 7 Pro, Honor 20, Samsung Galaxy M30, iPhone XR, and more.

Flipkart Republic Day Sale has kicked off with deals and offers across major product categories

Flipkart Republic Day Sale is offering 10 percent instant discount on ICICI credit card and Kotak debit and credit cards. Additionally, the e-retailer is running offers like buy 3 get extra 10 percent discount or buy 4 and get 15 percent extra discount on select products. Among some popular phone deals, Flipkart sale has listed iPhone XS, Redmi K20, Samsung Galaxy S9, Google Pixel 3a, Asus 6Z, and more.

Realme 3 Pro Android 10 update rollout

Realme started rolling out the Android 10 with Realme UI update for its Realme 3 Pro smartphone this week. The Realme 3 Pro is among the first Realme phones to get the Android 10 update. As for the changelog, the update brings a design overhaul, optimised Game Space, new wallpapers, improved Smart Sidebar, and camera optimisations among other tweaks. Additionally, the update now allows Realme 3 Pro users to share files with Oppo, Vivo, Xiaomi phones via the Realme Share feature. This cross-brand file sharing feature is now live on certain Xiaomi phones and Oppo phones running Android 10-based ColorOS 7, and will soon go live on Vivo phones as well.

Realme 3 Pro Android 10 update carries the build number RMX1851EX_11_C.01 and is now being rolled out in a staged manner. You will automatically receive a notification on your phone when the update is ready for you, however you can also check for the update manually by going to the software update section in the Settings app.

In other news, Realme 5i is no longer being sold via flash sales and can be purchased anytime via Flipkart or Realme’s own online store. The Realme 5i is only offered in a single variant that comes with 4GB of RAM and 64GB of storage. It carries a price tag of Rs. 8,999. You can purchase it in Forest Green or Aqua Blue colour options. Realme 5i features 6.52-inch HD+ display, Qualcomm Snapdragon 665 SoC, quad rear cameras, and 5,000mAh battery.

Price cut: Samsung Galaxy A20s, Vivo Z1 Pro, Vivo Z1x

In other smartphone news, three phone received a price cut this week – Samsung Galaxy A20s, Vivo Z1 Pro and Vivo Z1X. Talking about Galaxy A20s first, Samsung Galaxy A20s 3GB RAM + 323GB storage option is now down to Rs. 10,999 in India. The original price of the model was Rs. 11,999. Samsung has not revised the price of 4GB RAM+ 64GB storage variant. Samsung Galaxy A20s runs on Android 9 Pie and features a 6.5-inch HD+ Infinity-V display, Qualcomm Snapdragon 450 SoC, and 4,000mAh battery.

In terms of Vivo phones, Vivo Z1 Pro price in India has been slashed to Rs. 12,990 for the base 4GB RAM + 64GB storage variant. Vivo Z1 Pro 6GB RAM + 64GB storage model has also received a price cut of Rs. 1,000 and is available at Rs. 13,990, down from Rs. 14,990. On the other hand, Vivo Z1x price in India has been dropped to as low as Rs. 14,990 for the 4GB RAM + 128GB storage variant. It was previously available at Rs. 15,990. The Vivo Z1x 6GB RAM + 128GB storage option has also got a price cut and is available at 16,990, down from Rs. 17,990.

Telecom news: Jio subscribers, Vodafone new prepaid plans, BSNL plan revisions

As per a part of its quarterly results, Reliance revealed this week that Jio now has 370 million subscribers. The company has also revealed that it added 37.1 million subscribers in the quarter ending December 31. Jio also notes that it added 135.7 million subscribers in the entire previous year. Overall, year-over-year (YoY), Reliance Jio saw a 32.1 percent growth in subscribers in the quarter. In other titbits, the company noted that Jio’s total wireless data traffic in the period was 12.08 billion gigabytes (GB), up from 12.02 billion GB in the previous quarter, and a 39.9 percent growth YoY, based on an average data consumption per user per month of 11.1GB, down from 11.7GB in the previous quarter.

Vodafone has introduced two new prepaid plans at Rs. 99 and Rs. 555. Both new prepaid plans are currently limited to select circles and come bundled with benefits such as unlimited voice calls and high-speed data allocation along with free subscription to services such as Zee5. While the Rs. 99 Vodafone prepaid plan is believed to be a tweaked version of its earlier Rs. 149 plan, the Rs. 555 prepaid plan appears to be an update to the previously offered Rs. 598 option.

State-run telecom operator Bharat Sanchar Nigam Limited (BSNL) revised three of its prepaid recharge plans this week. The Rs. 74, Rs. 75, and Rs. 153 BSNL prepaid plans now come with reduced validity. The plans earlier used to have a tariff validity of 180 days. All three prepaid recharge plans will now last just 90 days. Although BSNL has reduced the validity, the benefits of each plan remain unchanged.

More news: WhatsApp update, OnePlus 120GHz QHD+ Fluid Display Technology, Honor announcements

In other news, WhatsApp released a couple of beta version updates on Android this week – version 2.20.8 and 2.20.10. These updates include only one user-facing change – sticker pack updates, however they also indicate the Facebook-owned chat service has made improvements in the dark theme. Additionally, WhatsApp seems to be working on include support for animated stickers, something that is missing right now.

OnePlus officially announced its 120Hz Fluid Display technology this week that will include a dedicated MEMC motion compensation chip and come with a touch sampling rate. The new OnePlus Fluid Display technology will also bring 10-bit HDR support and has 4096-level of automatic brightness control through an all-new ambient sensor. The 120Hz Fluid Display technology is backed by an RGB colour temperature sensor that has 0.8 Just Noticeable Colour Difference (JNCD) rating. This is touted to be lesser than the JNCD rating available for the display of the iPhone 11 Pro Max.

Both Honor Bluetooth Headphones come in three colour options each

Apart from Honor 9X, Magic Watch 2, and Band 5i, Honor also launched its Honor Sport and Honor Sport Pro Bluetooth headphones in India this week. Honor Sport Bluetooth headphones have been priced at Rs. 1,999, and will be offered in Aurora Blue, Flame Red, and Midnight Black colour options. On the other hand, Honor Sport Pro Bluetooth headphones carry a price tag of Rs. 3,999 and will be up for grabs in Phantom Red, Phantom Grey, and Phantom Purple colour options. There is no word on a sale date right now.

Additionally, in an conversation with Gadgets 360, Honor India President Charles Peng revealed that the company will bring its MagicBook family of Windows 10 laptops as well as Honor Vision smart TV to India. The laptops as well as the smart TV are expected to arrive in Q1 or Q2 this year. There is no word on the India pricing of any of the devices right now.

#Miscellaneous

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freshoffers · 5 years

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How To Get The Best Online Shops Deals & Offers

Today most youngsters prefer shopping online due to the availability of various deals and discounts. There is massive competition between online stores compared to offline shopping. Numerous advantages existed in online shopping. These advantages include multiple deals, discounts, offers, free home delivery, cash on delivery and the service they provide. I, too personally use online shopping when it comes to buying stuff. Here in this article, I am going to share my views and ways by which I am getting the maximum benefit out of online shopping. Saveplus is one of the best-refined coupon websites in India. It provides all trending coupon codes, deals and offers like Flipkart, Amazon, Snapdeal, Giskaa, Faballey, Biba, Yatra, JetAirways, Mobikwik, KFC, eBay, MakeMyTrip, Freecharge, Talkcharge and so on.

Saveplus is also a coupon site, which contains many online stores that offer plenty of coupon codes, promo codes, deals, and offers. Saveplus coupon site helps us to shop online and at the same time save more on our bookings.

Yatra is one of the leading online travelling company in India. All the time, it is providing the best in class customer experience. JetAirway Coupons will also provide a facility of International and Domestic Flight Ticket Bookings, Bus Tickets, railway reservations, Hotel Packages, and Holiday package Booking. Also, it gives information about availability, pricing, and booking facility. Yatra has now launched the Yuva (Youth for Unity and Voluntary Action ) application. It is a unique and straightforward platform for booking train ticket bookings and air-conditioned low-cost travel option for the youth of the country.

During the budget, two trains between Howrah & Delhi is considered. It was initially planned to run as a point to point service; however, commercial stops were soon introduced on this service. Fifty percent seats of the train are reserved for students, low-income groups & people belonging to the age group of 18 - 45yrs. Passengers can save a lot on the services by using Yatra coupon codes, promotion codes, and deals. Get up to Rs.400/- off on booking flights and hotels with sbi cards.

If You have the interest to shop online for trendy clothing then the best opportunity for who are waiting for clothes is saveplus which promoting the all popular and top fashion stores. Here you can find a various number of trending stores like Faballey. It has provided a vast collection of trendy apparels, elegant ornaments, quality fashion accessories, essential and a lot more available here. So this online fashion shopping store for women's clothes & appeals in India. Faballey has promoted the best cashback offer and by this consumers feel good when purchasing the items. Find the fantastic collection of jumpsuits from this online retailer at a reduced price and up to 50% off this cashback is available using Faballey Coupon codes. To make shopping easy and convenient, Faballey provides multiple facilities through online payment, Door Step Delivery, and Cash on Delivery. In case you do not like the purchased product or have any measurement issues, you can easily avail your Return, Refund, and Exchange facility. This store gives the highest priority to customer satisfaction. And to guarantee that all the queries and issues are solved at the earliest. It has a customer care team to assist esteemed customers.

Incocu is a customization platform where buyers can find all jewellery designs, have a chance to change the gemstone colour, metal type, stone shape, and get the carat weight of the centre stone. For all these services, it is the best place. Buy a fantastic range of diamond jewellery online for men & women from this India's stylish diamond jewellery portal. Incocu is an online jewellery store that will change your buying experience by giving customized jewellery using trendy designs on an easy-to-use platform. Incocu enables customers to create their unique piece of fine jewellery with customization. Everyone requires silver that appears to go well with everything. So you will find multiple varieties in this store and from this the customer much more satisfied. You will discover new Incocu coupons on the site as well as you will get an additional discount when you signup to our Saveplus website.

#Yatra Coupons FabAlley Deals Incocu Offers

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elite-investment-advisory-blog · 6 years

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Nifty Settles At 11,570 Mark On The F&O Expiry Day

Share markets closed stronger on Thursday, supported by gains in banking stocks since most sectors ended in positive zone on the day of expiry of Future & Option (F&O) derivatives contracts. The BSE Sensex closed at 38,545.72, up 412.84 points, while the NSE Nifty50 ended at 11,570, up 125 points ahead of the weekend. The Nifty Bank index ended at a record high of 1.33% at 30,420.55 for the second consecutive day, led by best decent in Bank of Baroda and SBI. Major gainers on the Nifty50 were Indiabulls Housing Finance, Zee Entertainment, Adani Ports, HCL Tech, while losers were Hindalco, ONGC, Tata Steel, Dr Reddy and PowerGrid in today’s session. The Nifty PSU Bank index gained 3.62% on Thursday amid heavy buying in Jammu & Kashmir Bank, Central Bank of India and Bank of Baroda upto 11.46% and added 21.2% thus far this month. Get Nifty Future Tips , Commodity tips, Stock future tips by Best Stock Advisory Service in India. Read Article The Power of Risk/Reward and Hedging Read the full article

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itsways2capital · 7 years

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Nifty Above 10,500 Mark; BPCL, SBI Stock Decline

Stock market investment tips today and Tomorrow, intraday nifty and stocks Tips and call 12 February 2018, Nifty Trading Tips, nifty trend tomorrow, nifty stocks, nifty tips intrans, nifty tips provider, stock market investment for beginners, intraday stock tips, intraday trading intraday stocks watch today, best stocks to buy today and tomorrow, hot stocks to buy now, picks in shares of India 12…

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todaybharatnews · 5 years

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via Today Bharat Senior Congress leader and former Finance Minister P Chidambaram on Saturday raised doubts about the State Bank of India's (SBI) decision to help the ailing Yes Bank. Addressing a press conference hours after SBI's announcement, P Chidambaram said he is of the view that SBI is being commanded to rescue Yes Bank. "I don't get a feeling that SBI is a volunteer in the rescue act (for Yes Bank). Just as LIC was not a volunteer in the IDBI Bank's rescue act. These are command performances," P Chidambaram claimed. Calling the Yes Bank crisis a "fiasco", P Chidambaram said it is "only part of the BJP government's mismanagement of country's financial institutions". "The best judge for any financial crisis is the market. Yesterday, the Sensex fell by 884 points. The price of SBI's share fell by Rs 18 and that of Yes Bank fell from Rs 36.8 to about Rs 16," Chidambaram said. On Thursday, the RBI imposed a one month moratorium on capital-starved Yes Bank and capped the monthly withdrawal limit for depositors to Rs 50,000 per account. The RBI and the Finance Ministry have assured Yes Bank depositors that their money is safe, saying the RBI will "protect their interests". On Saturday, India's largest lender, the State Bank of India (SBI), said its board has given an in-principal approval for the bank to buy up to 49 per cent stakes in Yes Bank. Addressing a press conference in Mumbai, SBI Chairperson Rajnish Kumar said the bank would be investing a minimum of Rs 2,400 crore in Yes Bank. Reacting to SBI's announcement, P Chidambaram said, "The resolution plan proposed by SBI for Yes Bank is bizarre when bank's net worth is perhaps zero. It would be better for SBI to take over, on RBI's order, Yes Bank's loan book at Rs1 and to assure depositors that their money will be returned. Simultaneously, SBI should make every effort to recover as much as possible of the outstanding loans of Yes Bank." nbsp;

#IFTTT #Today Bharat

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coolgeneralcollectionfireth-blog · 5 years

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How I Crack SBI PO Exam!

Bank exams require more preparation and strategy for crack the exam and you have to see where your strength lies, and capitalize on that. You are extraordinary in Quantitative and Reasoning, but not quite in General Awareness and English. In this case, try to maximize your marks in the two sections, and try to clear the cutoff. Somehow, in the other two sections, I will share it in the order of my preparation level in each section, in decreasing order.

● General Awareness

This is the strongest section, and believe me. If you need to get as marks as others could in General Awareness so that you get a clear edge over other candidates. Since you prepared General Awareness in a very holistic manner, you will divide this into a few parts-

1.Current Affairs (CA)

This has the most weight in the General Awareness section, almost 40-45% questions come from that, and hence, it becomes quite a scoring part. It requires very less effort to prepare this. This is how you prepared Current Affairs “Reading” you just read, a lot, from multiple sources. Just spend one hour every day in CA, and you will score more marks. Some people like to make notes so that it can be helpful while revision. But this is a very personal thing. You should start preparing for a Current Affair for the last 100 days from the day of the exam.

2. Banking Awareness

This part is easy to prepare. First, go through the Faq on the RBI website. Once you’re done with this, go through the Banking Awareness Modules of General Knowledge today. It is freely available to read online on their website and there is no need to buy any book or you should be practiced by any free mock test for SBI PO Clerk site online freely.

3. Static GK

This part has the least cost-benefit ratio. As everything under the sun can be asked, but still, one should prepare it. You should focus on Indian Static General Knowledge Like Dams and rivers, National Park and Wild Life Sanctuary, Nuclear, Thermal and Hydro Power Plants, Content Management System and Governors, Capital and Currency of Countries, Head Quarters of major Organizations and also, the capitals and currencies of the countries to which our Prime Minister or President recently visited or the countries whose heads visited India.

● English Language

You should be the strategize for English in two parts.

1. If you belong to the “strong basic” group: If you have a strong base of the language, then it becomes an easy task to score decent marks. Then you just need to read the newspaper every day. Take the mock tests diligently. Analyze your mock test by free online practice test series and you’ll score well.

2. If you don’t have so strong basic group: The first thing that you should do is, buy book for grammar and read it from cover to cover as many times as you can and try to understand it. The other thing is reading. Read anything, newspaper, novels, magazines, advertisements. That helps you in knowing how to form sentences, where to use which idiom and phrase and so on. Vocabulary is something that is built over a period, and not overnight and it requires patience and hard work, the best way to widen your vocabulary is reading. It will just increase your vocabulary.

● Logical Reasoning

This is the most dynamic section in nature and it becomes challenging also in a way that it doesn’t have any “set syllabus”. We have seen a lot of change in banking exams, especially in Reasoning section. It is important to keep an open mind or one needs to be ready to face anything. The biggest part of this section is covered by Puzzles or Seating Arrangement. There is NO textbook for this section because this section is an ever-changing one. It has been noticed that the pattern of Reasoning is changing with every exam that IBPS is conducting and you should be practiced for this is free mock test IBPS Clerk. So, the biggest question bank or repository for Reasoning is this wonderful information. The questions in free mock test SBI PO clerk are of great help, as they provide a lot of variety. After that comes the miscellaneous questions like Input-Output, Coding-Decoding, Inequalities, Syllogisms, Direction Sense, Data Sufficiency, Ranking and Order, Critical reasoning – Assumptions, Conclusions, Cause, and Effect, etc. If you are not comfortable with Puzzles and Arrangements, then you should try to solve the “miscellaneous” part.

● Quantitative Aptitude/Data Interpretation

This section is hard. So, set your goal was to clear the sectional cutoff, somehow, anyhow or you should be practiced free mock test online. The problem with going for questions of the chapter of Quantitative Aptitude like Time and Distance, CI-SI, Time and Work is, they take a lot of time to prepare and you cannot complete any decent book on these chapters in a month. When you have a good concept of mathematics and time in hand, you should take up the book. This is a great book, and everyone who is preparing for Bank or SSC for that matter, must have it and solve online practice test series. Data Interruption is a very scoring part. It is calculative. The best source for a decent level of Data Interruption are free to mock test SBI PO Clerk come up a new type and set of Data Interruption in every test and this helps in building the concepts. Lets you know the variety of questions that can come.

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scrumptioussublimelady-blog · 6 years

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NTA NEET Speed Tests Notes For NEET Exams

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capitalways-blog1 · 7 years

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Nifty likely to open lower; 3 stocks which can give up to 11% return

Trends on SGX Nifty indicate a negative opening for the broader index in India, a fall of 58 points or 0.57 percent. Nifty futures were trading around 10,151-level on the Singaporean Exchange.

The Nifty50 is expected to open lower on Wednesday tracking negative trend seen in other Asian markets and a weak handover from Wall Street. The index closed 53 points higher or 0.53 percent at 10,184.15 on Tuesday.

Trends on SGX Nifty indicate a negative opening for the broader index in India, a fall of 58 points or 0.57 percent. Nifty futures were trading around 10,151-level on the Singapore Stock Exchange.

Wall Street closed sharply lower Tuesday, with each of the major US indexes suffering their fourth decline in five sessions, fueled by a selloff in the tech sector. Tech stocks, among the best performing sectors of the bull market, have been under pressure recently as concerns about government regulation stemming from their strong growth and privacy questions surrounding Facebook, Reuters reported.

The Dow Jones Industrial Average fell 344.89 points, or 1.43 percent, to 23,857.71, the S&P 500 lost 45.93 points, or 1.73 percent, to 2,612.62 and the Nasdaq Composite dropped 211.74 points, or 2.93 percent, to 7,008.81.

Asian stocks posted declines early on Wednesday trade after US stocks fell sharply on the back of declines in technology names. That cut short a rally seen in Europe and Asia's Tuesday session linked to an apparent easing in trade-related tensions, CNBC reported.

The Nikkei 225 fell 2.15 percent in Tokyo, with the stock average reversing most of its gains made in the overnight session. The broader Topix was down 2.04 percent.

Stocks in news:

Hindustan Aeronautics to debut on bourses today: State-owned Hindustan Aeronautics will list its equity shares on exchanges today. The final issue price is fixed at Rs 1,240 per share. The Rs 4,229-crore initial public offer of state-owned Hindustan Aeronautics was subscribed 99 percent during March 16-20, 2018, supported by QIB.

TPG-backed Manipal Hospitals buys Fortis Healthcare, to invest Rs 3,900 crore Fortis Healthcare Board approved the demerger of its hospitals business into Manipal Hospital Enterprises. The Board has also approved sale of its 20 percent stake in SRL to Manipal Hospitals.

Wipro launches tech center in Texas, to raise headcount to 2,000

Govt must reduce stake in public sector banks to check on frauds

L&T Construction bags Rs 4,353 crore orders in the T&D business

Lupin: It has received US FDA nod for generic of Clobex Spray.

State Bank of India: The bank is mulling the possibility of merging SBI Card JV entities with itself.

Dena Bank: Gets shareholders' nod for the issue of shares worth Rs 3,045 crore to the government.

Technical Recommendations:

Here’s what Guiness Securities has to recommend:

Bajaj Finance Ltd: Buy | Close: 1772.45 | Target: Rs 1960 | Stop loss: Rs 1650 | Return: 10.58%

UPL Ltd: Buy | Close: 736.80 | Target: Rs 800 | Stop loss: Rs 699 | Return: 8.55%

Balkrishna Industries Ltd: Buy | Close: 1095.15 | Target: Rs 1200 | Stop loss: Rs 1050 | Return: 9.59%

Capital Ways Investment Adviser 605, Industry House , AB road Indore (MP) 452001 8517810864 https://www.capitalways.com/

#best stocks to buy #Best Equity Tips providers #stock market tips #stock market news

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buyg5p · 8 years

Text

Trick To Buy Moto G5 Plus Exclusively On Flipkart

Moto G5 Plus comes in 2 variant 3GB RAM and 4GB RAM. The Moto G5 plus 3GB variant is priced at Rs 14999 and it has 16Gb of storage. Another 4GB RAM variant comes with 32Gb storage and is priced at Rs 16999 exclusively available only on Flipkart.

Lenovo Moto has formally announced the Moto G5 Plus exclusively on Flipkart. The smartphone is priced at Rs 14,999 for the 3GB RAM, 16GB storage variant and Rs 16,999 for the 4GB RAM, 32GB storage model. The handset will move on sale beginning 11:59 PM this night.

How To Buy

1. Login/Register into Flipkart application http://www.flipkart.com 2. Visit Moto G5 Plus sale page. (Sale starts 15th March, 11:59Pm) 3. Add Product To Cart. 4. Update Shipping Details. 5. Complete Your Order.

Flash Sale: Moto G5 Plus sale will start today midnight.

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3GB RAM + 16GB storage: Rs 14999Moto G5 Plus Specifications

4GB RAM + 32GB storage: Rs 16999

Moto G5 Specifications:

Full Specifications of Moto G5 Plus –

NETWORKTechnologyGSM / CDMA / HSPA / EVDO / LTE

LAUNCHAnnounced2017, February

StatusComing soon. Exp. release 2017, March

BODYDimensions150.2 x 74 x 7.7 mm (5.91 x 2.91 x 0.30 in)

Weight155 g (5.47 oz)

SIMDual SIM (Nano-SIM, dual stand-by)

DISPLAYTypeIPS LCD capacitive touchscreen, 16M colors

Size5.2 inches (~67.1% screen-to-body ratio)

Resolution1080 x 1920 pixels (~424 ppi pixel density)

MultitouchYes

ProtectionCorning Gorilla Glass 3

PLATFORMOSAndroid OS, v7.0 (Nougat)

ChipsetQualcomm MSM8953 Snapdragon 625

CPUOcta-core 2.0 GHz Cortex-A53

GPUAdreno 506

MEMORYCard slotmicroSD, up to 256 GB

Internal32/64 GB, 2/4 GB RAM; 32 GB, 3 GB RAM

CAMERAPrimary12 MP, f/1.7, autofocus, dual-LED (dual tone) flash

FeaturesGeo-tagging, touch focus, face detection, panorama, auto-HDR

Video2160p@30fps (USA)/ 1080p@30fps (EMEA)

Secondary5 MP, f/2.2

SOUNDAlert typesVibration; MP3, WAV ringtones

LoudspeakerYes

3.5mm jackYes

– Active noise cancellation with dedicated mic

COMMSWLANWi-Fi 802.11 a/b/g/n, dual-band, WiFi Direct, hotspot

Bluetoothv4.2, A2DP, LE, EDR

GPSYes, with A-GPS, GLONASS

NFCYes (market dependent)

RadioFM radio

USBmicroUSB v2.0, USB Host

FEATURESSensorsFingerprint (front-mounted), accelerometer, gyro, proximity, compass

MessagingSMS(threaded view), MMS, Email, Push Email, IM

BrowserHTML5

JavaNo

– Fast battery charging

– MP3/AAC+/WAV/Flac player

– MP4/H.264 player

– Photo/video editor

– Document viewer

BATTERY Non-removable Li-Ion 3000 mAh battery

MISCColorsLunar Grey, Fine Gold

Display – 5.20 inch

Processor – 2GHz octa-core

Front Camera – 5 megapixel

Resolution – 1080 pixels

RAM – 3GB

OS – Android 7.0

Storage – 32GB

Rear Camera – 12 megapixel

Battery Capacity – 3000 mAh

Highlights

- 2.0GHz Snapdragon 625 Octa-Core Processor

- 2GB RAM With 16GB ROM

- 5.2 Inch FHD Display With Gorilla Glass 3

- 12 MP Rear Camera With LED Flash

- 5 MP Front Camera

- VoLTE/WiFi

- Fingerprint Sensor

- Bluetooth 4.2

- Water Repellent Coating

- Turbo Charging

- 3000 MAh

Pros of Moto G5 Plus

Solid metal-clad design

Pure Android Nougat with useful enhancements

Reliable performance

The best camera in its segment

Superb battery life

Cons of Moto G5 Plus

One-button navigation is difficult to get accustomed to

Doesn’t ship with Google Assistant

Underwhelming speaker output

Priced higher than the competition

Moto G5 Plus Price

Moto G5 Price in India (2 GB RAM/16 GB Storage): Rs 14,000

Moto G5 Plus Price in India (2 GB RAM/32 GB Storage): Rs 15,300

Moto G5 Plus Price in India (3 GB RAM/32 GB Storage):Rs 19,700

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Moto G5 Plus (Fine Gold 32 GB)

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Moto G5 Plus 3GB RAM price in India: Rs 14999Moto G5 Plus Price on Flipkart

Moto G5 Plus 4GB RAM price (Flipkart): Rs 16999

Moto G5 Plus release Day Offers

extra Rs 1500 off on alternate. greater 10% off on SBI cards. unfastened Buyback guarantee worth Rs 1199. No value EMI starting at Rs 1889 in keeping with month. Get Moto pulse 2 at Rs 599.

The telephone in reality seems remarkable with the metallic design. Moto g5 plus has five.2 inch HD display and it runs on Snapdragon 2GHz octa-center processor. It has the exceptional digital camera under this price range, 12 Mp rear and 5 Mp front digicam.

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So Guy's Ihope You Like The Article and if you did do share and comment down bellow if you're budget is under 15k so in my opinion and some big youtubers opinion this is best device

About MotorolaMotorola was an American multinational telecommunications company founded on September 25, 1928, based in Schaumburg, Illinois.

Wikipedia

Headquarters

Schaumburg, Illinois, United States

Founded

: September 25, 1928,

Chicago, Illinois, United States

Number of employees

: 40,000

Ceased operations

: January 4, 2011

Parent organization

Lenovo

Founders

Joseph Galvin

Paul Galvin

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itsways2capital · 7 years

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Market Update: Midcap Index Outshines; Tata Steel, ONGC Jump 3-4%; Ashok Leyland Hits New 52-Week high, SBI falls 3%

View On WordPress

#Nifty Tips #NIFTY WEEKLY TREND #NSE Tips #NSE TIPS #STOCK FUTURE #STOCK MARKET #TIPS OF STOCK MARKET #TRADING TIPS #WAYS2CAPITAL #WAYS2CAPITAL REVIEW #WAYS2CASTOCK FUTURE #ways2cap Premium Equity Tips #Ways2Capital

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itsways2capital · 7 years

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Market Live: Sensex Gains 200 Pts, Nifty Above 10,500; SBI Falls 4%, BOB Up 4%

View On WordPress

#NIFTY WEEKLY TREND #NSE Tips #ways2cap Premium Equity Tips #Ways2Capital #WAYS2CAPITAL REVIEWS

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sunshineweb · 4 years

Text

Best Investment Options for Senior citizens in 2020 to generate regular income

Due to the falling interest rate, the risk involved in equity, and debt space, many senior citizen investors are now in a huge problem to generate a decent return for their survival. What are the best investment options for senior citizens in 2020 to generate regular income?

Before jumping into available products, you have to first clear yourself with what are you looking for while investing.

# Is it for income generation or growth?

You have to be very clear whether the investment is for income generation for your regular survival or investing to grow your accumulated corpus.

# What is your tax slab?

You have to look for post-tax returns always rather than the pre-tax return. Because if you are falling under the highest tax bracket, then a major portion of return will be eaten by the tax.

Hence, understand the product at first, then your tax slab and after that take a concious decision.

# You can stagger your investment

If your idea is to generate a constant stream of income, then you can use a bucket strategy. Where you are putting your first 10-15 years requirement in safe products (a first bucket) and accordingly the future requirements splitting into a different bucket and taking the calculated risk slowly as the required term is higher.

If you can’t do that, then hire a fee-only financial planner to help you in this.

# Higher RISK always not HIGHER returns

Higher risk always does not mean higher returns. There is a probability of higher loss also. Hence, never heed anyone blindly. Understand the risk properly and then decide yourself.

# Inflaiton RISK

Never think or not be in the wrong assumption that if you have a sufficient amount today then that sufficiency will remain the same. Due to inflation, whatever may be a good income for you will not be sufficient for your requirement. Hence, always consider inflation while investing.

# Interest Rate Risk

The majority of products offers around 5-10 years. Hence, once the maturity is over, then it is not sure whether you will be able to generate the same returns or not. For example, if you opted the SCSS scheme, then it is 5 years product. Once the 5 years completed, then you have to face the interest risk. Because after 5 years, the same SCSS may not offering you the same interest rate as what you are getting today. Hence, understand this factor properly.

# Liquidity

Look for the product which offers you certain liquidity. Because we don’t know when you need money. Hence, it is always wise to choose a product wisely which offers the highest liquidity.

# Make a nomination and WILL

Wherever you invest, make sure you have nominated and if possible create a WILL also. So that your dependents or family may not be in a tussle in your absence.

Best Investment Options for Senior citizens in 2020 to generate regular income

In this post, I am concentrating only on SECURED products. I am not suggesting any market-linked debt or equity instruments. Because to invest in such products, you need someone’s guidance or you have to do your own research. Hence, rather than forcing you to experiment on any such options, in this post, I am sharing the best investment options for senior citizens in 2020 to generate regular income.

# Bank or Post Office FDs

I know that currently Bank FDs are offering you around 5% to 6.5% interest rates. However, recently few banks started to offer higher interest rates for senior citizens if they are booking the FDs for 5 years to 10 years. Refer my latest posts on that “SBI WeCare Deposit Vs Senior Citizens Savings Scheme (SCSS) – Which is the best?” and “HDFC Senior Citizen CARE FD Vs SBI WeCare FD Vs Senior Citizens Savings Scheme (SCSS) – Which is the best?“.

When I say Bank FDs, I am suggesting nationalized banks or big private sector banks like ICICI or HDFC. I am not suggesting any Co-Operative Banks.

You can explore the Post Office FDs also. The current interest rate is 5.5% to 6.7%, which is almost equal to the bank FD rates. You can refer to the latest interest rate at my post “Latest Post Office Interest Rates April-June 2020“.

You have an option to get the interest rates either on monthly/quarterly or at maturity. If you are really looking for the safety, then I suggest Post Office Term Deposits over the Bank FDs.

# Senior Citizen Savings Scheme

Post Office and certain recognized Banks offer you this wonderful product. The term is 5 years and the maximum amount you can invest is Rs.15 lakh. The current rate of interest is 7.4%. The interest will be payable on a quarterly basis.

You can refer to the complete details about the Senior Citizen Savings Scheme at “Post Office Senior Citizen Scheme (SCSS)-Benefits and Interest Rate“.

# Pradhan Mantri Vaya Vandana Yojana (PMVVY)

It is a wonderful product launched by the Government of India. It is a 10 years product. The current interest rate is 7.4%. This product is currently available up to 31st March 2023. You can buy this from LIC. In fact, you can avail of the loan on this. The maximum limit to invest is Rs.15,00,000.

You can refer to the complete details about Pradhan Mantri Vaya Vandana Yojana (PMVVY) at “Pradhan Mantri Vaya Vandana Yojana (PMVVY) 2020 – 2023 – 5 Changes you must know“.

# Post Office Monthly Income Scheme (POMIS)

As the name suggests, the Post Office will pay you the interest on a monthly basis. It is a 5 years product. The maximum limit is Rs.4.5 lakh. The current interest rate is 6.6%. Refer my article on this product “Post Office Monthly Income Scheme or MIS – A complete guide“.

# 7.75% Government of India Savings Bonds (Taxable)

It is a 7 years bond where the current interest is at 7.75%. There are options like cumulative and non cumulative also. The Bonds will bear interest at the rate of 7.75% per annum. Interest on non-cumulative Bonds will be payable at half-yearly intervals from the date of issue (The date of issue of the Bonds in the form of Bonds Ledger Account, will be opened (issued) from the date of tender of cash or the date of realization of draft/cheque.) or interest on cumulative Bonds will be compounded with half-yearly rests and will be payable on maturity along with the principal.

You can refer my post for a complete detail at “How to buy/invest in 7.75% Government of India Savings Bonds?“.

# Tax Free Bonds

Currently there are no tax-free bonds offerings. However, you can buy them from the secondary market. You will get the tax free interest up to maturity. You will get various maturing tax-free bonds. You can refer my post for a complete detail at “Best Tax Free Bonds 2020 in India – Should you invest?“.

The yield may vary based on the date of maturity and coupon. Hence, you have to understand your requirement at first then jump into buying such bonds.

# Immediate Annuity Plans by Life Insurance companies

Life Insurance companies including LIC offer such immediate annuity plans. For example, you can check LIC’s Jeevan Shanti plan. This particular plan offers around 10 various options based on your requirement.

This product will give you GUARANTEED returns for the specified period based on the option you opt for. Hence, there is no question of interest rate risk.

Conclusion:-As per my knowledge, these are the Best Investment Options for Senior citizens in 2020 to generate regular income. As I pointed out earlier, I have not listed any debt funds or equity funds where you can invest and use the strategy called a systematic withdrawal plan. Because they are not suitable for those who are looking for a safe and constant stream of income.

Refer our latest posts:-

Best Investment Options for Senior citizens in 2020 to generate regular income

Pradhan Mantri Vaya Vandana Yojana (PMVVY) 2020 – 2023 – 5 Changes you must know

HDFC Senior Citizen CARE FD Vs SBI WeCare FD Vs Senior Citizens Savings Scheme (SCSS) – Which is the best?

Mutual Funds Inter-Scheme Transfer – Hybrid Funds are risky now?

SBI WeCare Deposit Vs Senior Citizens Savings Scheme (SCSS) – Which is the best?

Who is eligible for Pradhan Mantri Awas Yojana (PMAY) 2020 – 2021?

The post Best Investment Options for Senior citizens in 2020 to generate regular income appeared first on BasuNivesh.

Best Investment Options for Senior citizens in 2020 to generate regular income published first on https://mbploans.tumblr.com/

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sunshineweb · 4 years

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State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest 9% Yield Bond?

One of my readers recently asked the current yield on State Bank Of India 9.95% (SBIN-N5) Bond is around 9%. Should we buy it or not? As the yield is high and maturity is in 2026, why not we consider right? Let us see the suitability and risk involved in such bonds.

Features of State Bank Of India 9.95% (SBIN-N5) Bond

Let me share the State Bank Of India 9.95% (SBIN-N5) Bond features which is available at NSE website.

SeriesN5Coupon Rate9.95%ISININE062A08058Issue DescriptionBOND 9.95% PA Ret. S4Issue date16-Mar-2011Maturity Date16-Mar-2026Face value (Rs.)10,000.00Bond TypeRegularNext IP Date02-Apr-2016Credit RatingAAA;AAA/Stable

If you go by features, it looks fantastic right? The reasons are as below:-

The Bond is from the biggest bank of India i.e. State Bank of India.

Coupon Rate is 9.95%

The maturity date is in another 6 years.

Credit Rating AAA.

NRIs are not eligible to hold these bonds.

Hold on…Let us calculate the YIELD. Let us calculate the Yield of the bonds by using the SEBI website. After entering the data it looks as below.

Here, I have input the value of the last traded price of this bond. It is Rs.11,181, face-value Rs.10,000, and maturity date is 16th March 2026. Hence, I considered 6 years and a coupon rate at 9.95%. You notice that there are two YIELDS mentioned here. One is the CURRENT YIELD and the second one is YIELD TO MATURITY.

Now one more risk here is that this bond have a CALL option on 16th March 2021 (once it completes 10 years). In all probability, the SBI Bank will exercise this option. If it opt for call option, then your investment will turn negative. Because your YTM turn negative.

What is the difference between Current Yield and Yield to Maturity?

When a bond is issued, the issuing company or bank will determine its duration (here it is 15 years), face value (here is it Rs.10,000), and the rate of interest it pays, known as coupon rate (this bond offering you 9.95% coupon). These three features are fixed for the bonds.

Remaining things like credit rating or the bond price fluctuates in the secondary market based on the demand and supply. In this particular bond case, as currently, the interest rates are lower, obviously those who are holding these bonds are selling over the face value. Because this series offering you a 9.95% coupon.

Those who invested in these bonds at the time of issue, for them the cost of investing is Rs.10,000, and return on investment is 9.95%. However, due to the demand, the price is increased now to Rs.11,181. Hence, those who are willing to buy the same bond must pay a higher amount than the face value.

Because of this, your investment on these bonds will not be 9.95% but you have to calculate the yield on these bonds.

The current yield of the bond is calculated based on the current market price to the coupon rate one will receive from these bonds. The formula to calculate is as below:-

Current Yield=Annual Coupon Payment/Bond Price

Current Yield=9.95%/Rs.11,181=8.89%

You noticed that to calculate the current yield, the maturity of the bond does not matter to us. Hence, it is the CURRENT yield. It varies on a daily basis based on demand and supply.

Yield to Maturity or YTM is like you are buying this bond at current price and holding it till maturity.

The total amount of return generated by a bond based on its face value, purchase price, duration, coupon rate, and the power of compounding interest. Hence, YTM will take into account the future cash flows (in the form of coupon) and the time left for the maturity also.

This will remain the same up to the maturity for YOU (if you purchased it today at the market price). Hence, you have to consider YTM than the current yield for your return consideration.

State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest?

I hope you understood the basic features of State Bank Of India 9.95% (SBIN-N5) Bond and what are the current yield and YTM of this bond. Whether we should invest in these bonds?

# Call Option:-

There is a call option on 16th March 2021 (after the completion of 10 years). If Bank exercised it (probability is high), then you end up in negative YTM. Hence, be cautious while buying such bonds.

# Liquidity:-

You are not holding the SBI Bank Fixed Deposit. You have to hold the SBI Bank Bond. Hence, if you wish to sell it, then you must not approach the State Bank Of India. But you have to approach the secondary market to sell. Based on the demand and supply, you are able to sell. Usually, they treaded very low in the secondary market. For example, yesterday there were around 583 trades. Hence, if you are in need of money, then you end up selling at a discounted price.

# Taxation:-

Coupon what you receive on a yearly basis from this bond is taxable as per your tax slab. Also, as per my knowledge, there is NO TDS on such a coupon. However, if you sell in the secondary market before maturity, then you have to pay the tax on such capital gain. If you sold these bonds within a year, then the capital gain is taxed as per your tax slab. However, if you hold it for more than a year, then you have to pay 10% marginal tax or 20% with indexation benefit.

Hence, if you consider the post tax returns or YTM, then the returns are not so great.

# RISK:-

Are they safe as it is by one of the biggest trusted banks in India? Also, maturing within in another 6 years? Let me clarify. These are UNSECURED BONDS. Hence, if a bank goes bankrupt then you will be under the mess.

Do remember that these are UNSECURED Bonds. Unsecured bonds are the bonds that are not backed by some type of collateral. There are no buildings, equipment, vehicles, or other assets backing up the bond for safety. If the bond issuer defaults (here SBI) on the unsecured bond, the bondholders could receive nothing from their investment. They would be left up to the court system to sue the bond issuer for their investment.

Also, this particular bond issue is treated as the TIER II Bond (A type of bond category). Let me quote what RBI’s Notification in this regard states.

The issuing bank shall not be liable to pay either interest or principal, even at maturity, if

the bank’s CRAR is below the minimum regulatory requirement prescribed by RBI, or

the impact of such payment results in the bank’s CRAR falling below or remaining below the minimum regulatory requirement prescribed by RBI.

Hence, if the bank’s financial condition worsens, then the bank is in no obligation to pay you both principal and interest.

#Volatility:-

Do you think in the secondary market they are stable? As I told you, demand and supply depend on the interest rate movement and other factors. Hence, this bond is also volatile in the secondary market and can be viewed from the below image. Just concentrate on the recent fall in the price of the bond due to the liquidity crunch in the market.

Source:-Edelweiss

Do remember that this bond is not eligible for pledge to avail the loans. Hence, even if you wish to pledge the bonds with the State Bank Of India, then SBI will not pledge it’s own such bonds 🙂

Conclusion:-Considering the issues of Liquidity, Taxation, and the Risk associated with such bonds, I suggest you stay away from such bonds. Even though SBI is a trusted banker and the possibility of going bankrupt or loss is minimal, I still suggest you stay away from such risky instruments just to earn around 0.5% to 1% higher returns.

Refer our posts related to Bonds:-

How to buy/invest in 7.75% Government of India Savings Bonds?

Best Tax Free Bonds 2020 in India – Should you invest?

Sovereign Gold Bond Scheme FY 2020-21 – A complete calendar

SBI WeCare Deposit Vs Senior Citizens Savings Scheme (SCSS) – Which is the best?

Who is eligible for Pradhan Mantri Awas Yojana (PMAY) 2020 – 2021?

Atmanirbhar Bharat – 5 Benefits for Individuals

State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest 9% Yield Bond?

How to correct/update Bank details in EPF/UAN online?

Know your UAN Status online link – Using Member Id, PAN or Aadhaar

The post State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest 9% Yield Bond? appeared first on BasuNivesh.

State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest 9% Yield Bond? published first on https://mbploans.tumblr.com/

0 notes

sunshineweb · 4 years

Text

State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest 9% Yield Bond?

Features of State Bank Of India 9.95% (SBIN-N5) Bond

Let me share the State Bank Of India 9.95% (SBIN-N5) Bond features which is available at NSE website.

If you go by features, it looks fantastic right? The reasons are as below:-

The Bond is from the biggest bank of India i.e. State Bank of India.

Coupon Rate is 9.95%

The maturity date is in another 6 years.

Credit Rating AAA.

NRIs are not eligible to hold these bonds.

Hold on…Let us calculate the YIELD. Let us calculate the Yield of the bonds by using the SEBI website. After entering the data it looks as below.

What is the difference between Current Yield and Yield to Maturity?

Because of this, your investment on these bonds will not be 9.95% but you have to calculate the yield on these bonds.

The current yield of the bond is calculated based on the current market price to the coupon rate one will receive from these bonds. The formula to calculate is as below:-

Current Yield=Annual Coupon Payment/Bond Price

Current Yield=9.95%/Rs.11,181=8.89%

You noticed that to calculate the current yield, the maturity of the bond does not matter to us. Hence, it is the CURRENT yield. It varies on a daily basis based on demand and supply.

Yield to Maturity or YTM is like you are buying this bond at current price and holding it till maturity.

This will remain the same up to the maturity for YOU (if you purchased it today at the market price). Hence, you have to consider YTM than the current yield for your return consideration.

State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest?

I hope you understood the basic features of State Bank Of India 9.95% (SBIN-N5) Bond and what are the current yield and YTM of this bond. Whether we should invest in these bonds?

# Liquidity:-

# Taxation:-

Hence, if you consider the post tax returns or YTM, then the returns are not so great.

# RISK:-

Also, this particular bond issue is treated as the TIER II Bond (A type of bond category). Let me quote what RBI’s Notification in this regard states.

The issuing bank shall not be liable to pay either interest or principal, even at maturity, if

the bank’s CRAR is below the minimum regulatory requirement prescribed by RBI, or

the impact of such payment results in the bank’s CRAR falling below or remaining below the minimum regulatory requirement prescribed by RBI.

Hence, if the bank’s financial condition worsens, then the bank is in no obligation to pay you both principal and interest.

#Volatility:-

Source:-Edelweiss

Do remember that this bond is not eligible for pledge to avail the loans. Hence, even if you wish to pledge the bonds with the State Bank Of India, then SBI will not pledge it’s own such bonds 🙂

Refer our posts related to Bonds:-

How to buy/invest in 7.75% Government of India Savings Bonds?

Best Tax Free Bonds 2020 in India – Should you invest?

Sovereign Gold Bond Scheme FY 2020-21 – A complete calendar

State Bank Of India 9.95% (SBIN-N5) Bond – Should you invest 9% Yield Bond?

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