#SBI decreases

[starflake-burning]

I saw @antimony-medusa doing ao3 stats, and since I have not made very many og posts on this blog after making a new multifandom blog, I'm using this as a opportunity to update everyone here on what I posted this year to ao3 :)

I'm going to be blatantly ripping off Medusa's format for this.

Overall stats for 2023

--User Subscriptions: 119

--Kudos: 5,606

--Comment Threads: 306

--Bookmarks: 1,618

--Subscriptions: 846

--Word Count: 174,435

--Hits: 64,821

Everything is almost the same, except for a decrease in kudos. That makes perfect sense since I wrote a couple of rarepairs in fandoms that are less hyped about multishipping.

My user subscriptions have basically stayed the same since I started posting, likely because I organize fics down into different series so that people can sub to those instead.

Fun Stats:

Total number of fics published: 40

This was my most prolific year of fic writing! For reference, my total number of fics posted EVER is 53. I wrote a lot of short fics as treats for two different extreme timed challenge exchanges. I also got into several new fandoms this year.

Number of One-shots: 24

There's the exchange fics coming in clutch! And also the bushel of smutshots (oneshots that are pwp) that I wrote for new fandoms I got into and got very excited about writing smut for.

Number of Multichapters (Including WIPs): 14

Some oneshots become twoshots. Some multichapters had planned chapter counts and many did not.

Number of WIPs (aka unfinished works): 4

Of these, one is the most recent fic I have posted, which is being actively written and updated. One is being co-written with someone else. And the others are one hiatus.

Number of Inspired Works: 1

My total number of inspired works ever is 2. Fortunately or unfortunately, I have plenty of ideas to work with on my own.

Longest Fic: Stealing Candelabras (10,797).

Most of my works this year were under 10k, and a lot of them were even under 1k. I started the year short and ended it long. And I anticipate writing much more longfic this year. This one was long because I love vampires and making up vampire lore.

Shortest Fic: shifting eyes and vacancy, vanished when i saw your face (476). A very cute prompt that I had to fill. Title courtesy of my partner's suggestion, since they love the song so much :)

Most Kudosed fic: On the Twelfth Day of Christmas My Twin Sons Gave to Me: The Child Spy of My Enemy (586).

:/ Ah yes the last vesitges of my Dark SBI era. Not my favorite thing I've written, but it has it's audience.

The second most kudosed is The Care and Keeping of Your Vash (406). I love you trigun fandom <3

Most Viewed Fic: Same as most kudosed! But those stats do build up over time so I'm gonna highlight my fifth most view fic that was only posted a couple months ago as opposed to almost a year ago: When I'm On the Throne it's a Total Freak Zone (3,366). My second foray into exploring a character being a soft dom.

Most Subscribed Fic: Same as the most kudosed and most viewed. To be fair it had the format of the twelve day countdown to Christmas, so it hooked people into sticking around.

Most Bookmarked Fic: Same one again. My second most bookmarked was Shot Through the Heart, and You're to Blame (110). Arguably my best trigun fic, I love writing monsterfucker porn, especially as part of a larger canon divergent au. Double points for also getting to write a trans headcanon.

Most Used Fandom: Dream SMP, at 13. But if you combine all the fics for books by the same author (MXTX), it comes out to 12, which is pretty close!

Least Used Fandom: There's a couple I've only written one work for so...

1. Big Dragon the Series. This is a tiny fandom for a BL drama that I am co-writing a fic for. If you go searching for this show MIND THE WARNINGS. It is very intense from episode one so proceed with caution.

2. SMP Earth. I wish I got into this fandom when it was more popular, Now I don't know where to find the stream archives to get into the lore :(

3. Supernatural. I came back to this fandom this year only to post a trans character study of Dean and then leave it again lol.

Most Used Rating: E, 15 fics.

Like I said, I wrote a lot of smutshots lol. Second place is Teen, at 11 fics.

Least Used Rating: Mature, 0. Alternatively, Gen, at 9.

None of my fics are rated Mature this year because I discovered the wonders of smut and I can no longer do things by halves.

Most Written Relationship: Still SBI, but Quackbur is a close second.

Most Used Additional tag: I can't be bothered to look through all of this year's fics right now, but for the E rated ones I'm 90% sure it's Biting. As I've been quoted saying "biting is sexy!"

Most Frequently Used Characters: Again, SBI wins out. Though I think of all of them I have more fics with Techno than the others. (Again, too lazy to look through 40 fics right now lol).

Hopefully this was fun for someone else, because it certainly was illuminating for me. I'm much more active on my @cosmic-starfall blog nowadays but I'm still doing mcyt stuff occasionally here as well :)

[intensifyre]

SBI declares board meeting date to announce Q4 results 2025, may consider dividend. Details here

India’s biggest lender, the State Bank of India, has announced the board meeting date to declare financial results for the quarter and year ended on March 31, 2025.

“In compliance with Regulation 29 (1) (a), Regulation 50 (1) and other applicable provisions of the SEBI (LODR) Regulations, 2015, we advise that a meeting of the Central Board of the Bank will be held on Saturday, 3rd May 2025 at Mumbai, inter-alia, to consider the financial results of the Bank for the quarter and year ended 31.03.2025,” SBI said in an exchange filing on Thursday, April 24, 2025.

The bank may also consider the declaration of dividend, if any, for the financial year ended March 31, 2025. “The Central Board of the Bank may also consider declaration of dividend, if any, for the FY 2024–25,” SBI informed.

SBI Q4 Results Preview

State Bank of India (SBI) is estimated to report a 10% year-on-year decrease in net profit for Q4FY25. Net interest income is expected to rise 2.6% year-on-year. Meanwhile, margins may contract marginally sequentially. Advances and deposit growth are expected to remain ahead of industry trends, as Mint reported on April 15, 2025. Credit costs may normalise, with a little improvement in asset quality.

SBI’s board meeting announcement for the declaration of financial results comes after major banks such as HDFC Bank, Yes Bank , ICICI Bank have announced their earnings.

HDFC Bank Q4 results 2025

HDFC Bank announced its January-March quarter results for Q4FY25 on Saturday, April 19, posting a rise of 6.7 per cent in standalone net profit at ₹17,616 crore from ₹16,521.9 crore in the corresponding period last year. NII rose 10.3 per cent to ₹32,066 crore in Q4FY25 compared to ₹29.076.8 crore in the year-ago period.

Yes Bank Q4 results 2025

Yes Bank Limited recorded a 63 per cent jump in the net profits to ₹738 crore for Q4FY25, compared to ₹452 crore in the same period a year ago. NII rose 5.7 per cent to ₹2,276 crore in Q4FY25, from ₹2,153 crore in the same period a year ago.

ICICI Bank Q4 results 2025

ICICI Bank recorded an 18 per cent rise in net profits to ₹12,629.58 crore in Q4FY25, compared to ₹10,707,53 crore in the same quarter of the previous year. NII rose 11.8 per cent to ₹42,430.80 crore, compared to ₹37,948.36 crore in the same period of the previous fiscal year.

“Investment in securities market are subject to market risks. Read all the related documents carefully before investing.”

Intensify Research services is a SEBI registered Research analyst indore committed to empowering investors with the most reliable stock market insights. Our team of expert analysts uses advanced tools and strategies to provide that enhance your chances of success. To visit- Intensifyresearch.com »

[10bmnews]

SBI Amrit Vrishti Scheme: Check Minimum Amount, Interest Rate For Senior Citizen, SBI FD Rates, And How To Invest | Personal Finance News

SBI Amrit Vrishti Scheme: The SBI, India’s largest public sector lender, has re-introduced the Amrit Vrishti scheme which provide the best returns in a short time. The scheme was launched on 16 July 2024. The scheme offers a tenure of 444 days but comes with a modification in the interest rates, which have seen a slight decrease from its previous rates. Notably, the Indian residents and…

[cyberbenb]

Ferrexpo cuts pellet production by 26% after Ukraine suspends VAT refunds

Ferrexpo, the London-listed iron ore producer with significant operations in Ukraine, reported a 26% year-on-year decline in pellet production during the first quarter, attributing the drop to the suspension of value-added tax (VAT) refunds by Ukrainian authorities.

The company disclosed in a press release on April 7 that it had scaled back its operations as a result of the VAT refund suspension, which amounted to approximately $12.5 million for January.

In Q1 2025, total pellet production decreased to 1.35 million tonnes, down from 1.81 million tonnes in the same period the previous year. Premium pellet output experienced a more significant decline, falling 36% to 1.11 million tonnes.

According to the press release, Ferrexpo reduced its operations from two pellet lines to one after the suspension of VAT refunds.

Interim Executive Chair Lucio Genovese commented, “The suspension of the VAT refund has resulted in lowering the available liquidity to fund the operations. This has forced us to immediately downscale our operations to one pellet line and to implement significant cost cutting measures."

Despite the decrease in pellet production, Ferrexpo’s overall commercial output increased by 3% year-on-year to 2.13 million tonnes, driven by a 223% surge in commercial concentrate production, which reached 777,718 tonnes. Of the total output, 1.3 million tonnes were pellets, and 0.8 million tonnes were concentrate.

The company noted that the quarter marked its highest production levels since Russia’s full-scale invasion of Ukraine in February 2022. The 67% Fe concentrate was primarily sold to customers in Asia.

“We are pleased that once again we have demonstrated our ability to adapt to changing market conditions, taking advantage of the demand for our concentrates in Asia,” Genovese stated.

Ferrexpo is 50% owned by Fevamotinico S.a.r.l., which is controlled by businessman Kostyantyn Zhevago. Zhevago faces charges related to the embezzlement of 1.4 billion hryvnias ($33.6 million) in a case involving Finance and Credit Bank, which led to its insolvency.

On March 27, Ferrexpo announced that Ukrainian tax authorities had suspended VAT refunds to the company due to personal sanctions imposed on Zhevago. The company contended that these sanctions should not be leveraged to apply financial pressure on Ferrexpo, particularly given that the majority of its voting shares are held by international investors.

In the same statement, Ferrexpo warned that the suspension of VAT refunds would force it to drastically reduce operations to just 25% of its full production capacity, with broader implications for Ukraine’s national economy.

This development followed an announcement in February by Ukraine’s State Bureau of Investigation (SBI) regarding plans to nationalize Poltava Mining, a Ferrexpo subsidiary majority-owned by Zhevago.

Ukraine’s sovereignty at stake in the US minerals deal

If you thought the United States’ first minerals deal with Ukraine was bad, the new version reads even worse. This one makes the previous deal look like charity by comparison. Check out the Financial Times piece and the link to the leaked document. Some might call it extortion; others might

The Kyiv IndependentTimothy Ash

[tulipcodenameabc]

How to Finance Your Dream Home at Global Inspira Hinjewadi

Introduction

A lot of people aspire to own a home at Global Inspira Hinjewadi, but the financing process can be overwhelming. Whether you're a first-time homebuyer or a seasoned investor, knowing your financial options is essential. This guide will help you secure a home loan, manage down payments, and maximize savings while buying your dream home in Hinjewadi.

1. Check Your Financial Readiness.

Before applying for a home loan, evaluate your financial situation. Ask yourself:

Is my income stable? Lenders  regular work and a consistent income.

What is my credit score? A 750+ score increases your chances of approval.

Do I have any existing loans? Reduce obligations to increase eligibility.

Can I afford the down payment  Most banks need 10-20% of the property's cost upfront.

A great credit history and a low debt-to-income ratio increase your chances of getting a good deal.

2. Create a realistic budget.

Setting a well-planned budget might help you avoid financial distress. Consider:

Property price: base price plus additional costs.

Stamp duty and registration fees are usually 5-7% of the property's worth.

Loan EMI Calculation: Use an EMI calculator to arrange your monthly payments.

Additional Costs: Consider furniture, upkeep, and interior design expenses.

3. Compare home loan options.

Different banks provide varying loan terms. Compare:

Interest Rates: Fixed and fluctuating rates.

Loan duration: A longer duration decreases the EMI but raises the total interest paid.

Processing Fees and Hidden Charges: Check all charges before finalizing a loan.

Banks such as SBI, HDFC, ICICI, and Axis Bank provide competitive rates. Choose the one that best meets your financial objectives.

4. Plan for a down payment.

Lenders lend up to 80-90% of the property's value. The remaining 10% to 20% must be arranged by you. Consider:

Personal Savings and Investments

Loans for fixed deposits or insurance policies

Family Support

A higher down payment lowers your loan load and interest charges.

5. Gather Important Documents.

Having the necessary documentation facilitates a smooth loan application. Prepare:

Identity and Address Proof: Aadhaar, PAN, Passport.

Income proof includes salary stubs, ITRs, and bank statements.

Property Documents: Agreement to Sell, Allotment Letter, Builder's NOC

Submitting documents on time helps to avoid processing delays.

6. Apply for a home loan

Once you've chosen a lender, submit your application along with the necessary documents. The bank will:

Verify your financial credentials

Conduct legal and technical property checks.

Approve the loan according to your eligibility.

Loan approvals typically take 7–15 days, depending on the lender.

7. Account for Additional fees

 Besides your loan and down payment, be prepared for: Stamp Duty & Registration Fees Legal & Processing Fees Interior & Furnishing Expenses Society Maintenance & Miscellaneous Charges Planning for these fees promotes a seamless home-buying process.

8. Discover Housing Benefits

To save money on housing, take advantage of government subsidies. Options include:

Leading banks offer affordable housing loan programs.

State-specific housing policies provide tax breaks and subsidies.

Home loan interest subsidy programs for qualified purchasers.

For information on suitable schemes, contact your bank or the local housing authority.

Conclusion

 Financing your dream home at Global Inspira Hinjewadi requires smart planning. By evaluating your finances, choosing the right lender, and preparing for all costs, you can make homeownership a reality without financial stress. Start your journey today and turn your dream into a home!

[amairadutta]

Use of AI in the Banking Sector.

The banking industry is starting to embraceArtificial Intelligence rapidly. While large commercial and investment banks worldwide are integrating AI and Blockchain for both back-office and consumer-centric functions, in India, widespread adoption of these technologies hasn’t come into action.

AI is seen among the very exciting and rewarding ventures in the Fintech area in India. The software of AI and ML in Data Analytics and customer support creates the chance for more personalized and quicker customer adventures, better insights, and, automation of backend workflows. A lot more than 36% of big financial institutions are already investing in those technologies and nearly 70 percent report they are likely to in the coming future.

In this Guide, we analyze the AI software from:

What AI clients and workers are using programs at banks? What are the advantages of AI applications concerning a decrease in price, time and energy? What does the future of AI look like in the Indian Banking sector? State Bank of India

SBI, which will be India’s biggest public-sector bank with 420 million clients, is focusing on its own AI travel from the perspective of both workers and clients. To fuel its AI assignment this season, SBI established a nationwide hackathon, “Code for Bank”, for programmers, startups, and pupils to think of innovative ideas and solutions for the banking industry, focusing on technology like predictive analytics, and Fintech/Blockchain, electronic obligations, IoT, AI, Machine learning, BOTS, and Process Automation.

SBI is currently utilizing an AI-based alternative developed by Chapdex, the winning group from its very first hackathon. The solution scans cameras set up in the division and also catches the facial expressions of the consumers and instantly reports whether the client is happy or depressed, that is real-time or close real-time responses. The bank may now construct a dashboard that will gauge the efficacy of agents or tellers according to client feedback.

From a consumer chatbot standpoint, SBI has established SIA, an AI-powered chat helper that addresses client inquiries instantly and assists them with everyday banking jobs exactly like a bank agent.

In accordance with Payjo, since its launching, the chatbot has reacted to countless inquiries from thousands of consumers. SIA is set up to take care of almost 10,000 liters per minute or 864 million daily. That’s almost 25 percent of these questions processed by Google daily.

Deployment of this size is possibly the first of its type in India as well as around the world. SBI asserts that SIA continuously learns with every interaction and has better as time passes. Presently, SIA can tackle inquiries on banking services and products. It is trained using a massive set of previous customer questions and can be said to competently handle often asked questions.

HDFC Bank

Since its launching in March this year, Eva (that stands Electronic Assistant) has dealt more than 2.7 million client inquiries, socialized with over 530,000 specific consumers, also held 1.2 million discussions. Over the first few days of its launch, Eva has replied over 100,000 inquiries from thousands of consumers from 17 countries throughout the world.

With the launching of Eva, the bank’s clients can get Information on services and its own products. It eliminates the requirement to search, navigate or telephone. Eva also becomes brighter as it accomplishes its client connections. Moving ahead, Eva will have the ability to take care of real banking transactions also, which might allow HDFC Bank to supply the legitimate power of banking to its customers. HDFC is also experimenting with in-store Robotic Applications.

As with most present retail robotics use-cases, IRA seems to be in Development and research usage. Other banks have surfaced with in-store robots to help direct visitors or, but it appears unclear if the technology will probably be officially viable.

ICICI Bank

ICICI appears to be talking about what’s often known as “robotic applications ” — a sort of applications normally focused on accomplishing an office function.

The bank said it’s the very first in the country and one of a few internationally to deploy this new technology, which emulates human activities to automate and execute repetitive, high-volume and time-consuming small business tasks.

In ICICI Bank, application robots have decreased the response time to clients up to 60 percent and improved precision to 100 percent consequently sharply enhancing the lender’s efficiency and productivity. It has also enabled the bank’s workers to concentrate more on value-added and customer-related functions.

The software robots in ICICI Bank are all configured to capture and interpret data from systems, identify patterns and execute business processes across multiple programs to perform tasks, such as data entry and analysis, automatic partitioning, multi-format message generation, text mining, workflow acceleration, reconciliations and money exchange rate processing amongst others.

The lender has generated the application robotics platform mostly on site, leveraging AI attributes like voice and facial recognition, natural language processing, machine learning and robots amongst others.

It Needs to Be noted that robotic applications are by no way brand new, and can be a staple in big white collar work environments — such as many US banks. That having been said, we are not able to judge ICICI’s software one way or the other. We guess that should ICICI will observe enhanced margins, should they succeed in really pushing the border on autonomous applications.

IPal

Since its launching, the Chatbot iPal has surfaced with 3.1 million clients, replying about 6 million inquiries, using a 90 percent accuracy rate. Services offered by iPal are structured under three broad classes, the majority of which are mapped into the iMobile program.

1.Category 1

It entails FAQs, which can be straightforward questions that you might choose to request your lender executive for that you will find easy, organized replies.

2.Category 2

 It entails Financial transactions, whereas you are able to earn fund transfers from person-to-person, cover your bills or recharge your cell phone bills using inquiries.

3.Category 3

This entails helping individuals find new capabilities. All these are easy how-to jobs like how to reset your ATM pin, which is somewhat more developed and is similar to interacting with your lender.

AXIS Bank

Axis bank launched an innovation laboratory referred to as “Thought Factory” a year ago to accelerate the growth of advanced AI technology options for the banking industry.

The thought factory has an internal innovation group along with an accelerator application whereby the bank participates with startups for a 3-month program. Shortlisted startups are subsequently placed in a structured mentorship program for fine-tuning, supporting and scaling their enterprise.

It implemented AI across 125+ cognitive and processes automation across 90 procedures, which necessitated repetitive manual labor. Presently, robotic procedure automation (RPA) is complete for many procedures, such as account servicing and maintenance, loan disbursements, majority trade procedures and ATM support.

What it implies is that if formerly a worker spent 15 minutes to perform data entry and evaluation whilst launching a savings account, today it requires two-three minutes (for exclusion situations only) because the bot was trained to extract, fit and confirm the information across files. Not merely has TAT and client experience enhanced across procedures but human vulnerable error and objectivity are considerably removed consequently improving compliance, also. Another crucial area where the bank is using AI is usable threat and AML.

Axis is seeing substantial progress in efficiency, cost and time savings. They have got a far more powerful credit risk model; evident from the very fact that 80% of the suspicious trades are from 5% clients identified as the higher risk by the AI-enabled neural system.

With RPA there is a visible decrease in TAT – savings account opening has decreased by 90 percent, on present accounts by 92 percent, and also on other procedures by 50-80 percent.

Chatbots in Indian Banks

Chatbots appears to be the main AI use-case at Indian banks now, with four banks’ investment in conversational programs — largely focused on client services. Sometimes, such as in SBI, we also have seen the usage of AI-powered smart cameras which catches facial expressions of clients to provide real-time feedback on their own experiences.

While none of the banks measured an investment figure, it is evident that a sizable percentage of this electronic transformation funding has been targeted towards AI and associated technology and the spend is just likely to rise later on.

[zfundsofficial]

Best SIP Plans for ₹1000 Per Month: Start Small, Grow Big

Starting a SIP for ₹1000 per month may seem like a small step, but it’s a powerful way to build long-term wealth. Funds like Axis Bluechip, Mirae Asset Emerging Bluechip, and SBI Small Cap offer different risk-return profiles to suit every type of investor. By staying committed and investing regularly, you can achieve your financial goals with ease, no matter how small your initial contribution.

1. Axis Bluechip Fund

Category: Large Cap Axis Bluechip Fund is one of the top-performing large-cap mutual funds, focusing on investing in well-established companies with strong financial health. It offers relatively lower risk and steady returns, making it ideal for conservative investors. The fund’s consistent performance and sound management make it a reliable option for long-term wealth creation.

Key Benefits:

Strong portfolio of large-cap companies

Lower risk compared to mid or small-cap funds

Suitable for long-term wealth building

2. Mirae Asset Emerging Bluechip Fund

Category: Large & Mid-Cap Mirae Asset Emerging Bluechip Fund is an excellent choice for investors looking for a mix of stability and growth. It invests in both large and mid-cap stocks, giving you the potential for higher returns while balancing the risk. Though it’s slightly more aggressive, the fund has a solid track record of delivering superior returns over the long term.

Key Benefits:

Balanced risk with exposure to large and mid-cap stocks

High potential for returns

Suitable for long-term investors with moderate risk tolerance

3. SBI Small Cap Fund

Category: Small Cap If you have a higher risk appetite and want to invest in companies with high growth potential, the SBI Small Cap Fund could be the right fit. This fund focuses on small-cap stocks, which can offer significant upside in the long run. However, small-cap funds are volatile and better suited for those willing to ride out market fluctuations.

Key Benefits:

Potential for high returns in the long term

Exposure to small-cap companies with growth opportunities

Ideal for aggressive investors

4. ICICI Prudential Equity & Debt Fund

Category: Hybrid (Equity-Oriented) For investors seeking a balanced approach, the ICICI Prudential Equity & Debt Fund offers the best of both worlds. This hybrid fund invests in both equities and debt, reducing the overall risk while still providing the potential for growth. It’s ideal for investors who prefer stability but also want equity exposure for higher returns.

Key Benefits:

Balanced risk with equity and debt exposure

Stability combined with growth potential

Suitable for conservative to moderate investors

5. HDFC Mid-Cap Opportunities Fund

Category: Mid-Cap HDFC Mid-Cap Opportunities Fund is a popular choice among investors looking for exposure to mid-sized companies with strong growth potential. It is a moderately risky option, offering higher returns than large-cap funds but with less volatility than small-cap funds.

Key Benefits:

High growth potential with mid-cap stocks

Moderate risk level

Suitable for long-term investors with a moderate risk appetite

Why Invest in SIPs?

Disciplined Investing: SIP plan help in building a disciplined approach to investing by making small, regular contributions.

Power of Compounding: Even small investments can grow significantly over time due to the power of compounding.

Rupee-Cost Averaging: Investing regularly helps average out the purchase cost, reducing the impact of market volatility.

Flexibility: SIPs are flexible, allowing you to increase or decrease your investment amount as per your financial situation.

[coineagle]

Potential BOJ Rate Rises Stimulate Unease in Japan’s Cryptocurrency Market

Key Points

The Bank of Japan’s potential rate hikes could cause further turmoil in the cryptocurrency market.

Japan’s share in the global crypto market is declining, partly due to strict tax rules.

The global economy has been experiencing significant volatility recently, with cryptocurrencies being significantly affected.

Notably, the expected interest rate cuts by the Federal Reserve have fueled market concerns. George Lagarias, chief economist at Forvis Mazars, warns that a drastic Fed rate cut could pose substantial risks to the market.

Bank of Japan’s Stance

Adding to these uncertainties, Bank of Japan’s Governor, Kazuo Ueda, announced on September 3rd that the BOJ would persist in raising interest rates if economic conditions match their forecasts.

This announcement is crucial considering the dramatic drop of 12% in Japan’s stock market on August 5th, the most significant decline in 37 years.

This plunge was partially due to the “carry trade” strategy, where investors took advantage of Japan’s low rates to borrow yen for buying profitable US assets. The impact was severe, with tech giants like Apple and Nvidia experiencing substantial declines. However, the crypto market was the hardest hit, suffering its largest single-day drop since 2023.

Cryptocurrencies like Bitcoin (BTC) and Ethereum (ETH) saw double-digit losses, while altcoins like Solana and Dogecoin declined by up to 30%. This sell-off led to approximately $1.14 billion in liquidations and wiped nearly $600 billion from the market cap.

Decline in Japan’s Crypto Market Share

In a recent meeting with Liberal Democratic Party officials, Genki Oda, founder of SBI-owned BITPOINT and Chairman of the Japan Cryptocurrency Exchange Association, pointed out Japan’s shrinking role in the global crypto market.

Oda stated that Japan’s once dominant share of Bitcoin trading volume, which was around 50% from 2017 to 2018, has now reduced to a small fraction of the global total by 2024. This indicates a substantial decline in Japan’s crypto presence.

He expressed concerns that Japan’s strict tax rules could lead to a decrease in the international competitiveness of Japanese web3-related businesses.

In response to these developments, Japan’s Financial Services Agency (FSA) proposed a tax reform on August 30th. The request suggested that cryptocurrency should be treated as a financial asset, a viable investment target for the public.

This reform could offer clearer regulatory guidelines, potentially lessen tax burdens, and promote broader public investment in digital assets.

With Prime Minister Fumio Kishida’s recent announcement to step down in September, the future of Japan’s economy and its impact on the cryptocurrency ecosystem is particularly intriguing.

Kishida’s departure could lead to policy changes, which might affect both the broader financial landscape and the regulatory environment for digital assets.

[blockinsider]

Mt. Gox Transfers $2 Billion Worth of Bitcoin to Fresh Digital Wallet

Key Points

Bankrupt cryptocurrency exchange Mt. Gox has shifted over $2 billion worth of Bitcoin (BTC) to a new address.

This transfer is part of the ongoing repayment process to creditors following the 2014 hack.

The now-defunct cryptocurrency exchange Mt. Gox continues to repay its creditors by transferring over $2 billion in Bitcoin (BTC). This milestone marks significant progress in the recovery efforts following the catastrophic hack in 2014.

Mt. Gox Transfers $2.19B in Bitcoin

On July 30, 2024, blockchain analytics firm Arkham Intelligence reported a transaction from a Mt. Gox wallet. The transaction involved sending 33,105 BTC, approximately valued at $2.19 billion at the current price, to a new address. The ownership of this new address remains unclear.

In this series of transfers in July, Mt. Gox sent Bitcoin to several designated cryptocurrency exchange providers such as Bitbank, Kraken, Bitstamp, and SBI VC Trade. These exchanges will assist in distributing the funds to Mt. Gox’s creditors. Bitstamp confirmed they would start crediting Mt. Gox creditors with their recovered assets on July 25th.

According to a statement from the Mt. Gox trustee on July 24, repayments in both Bitcoin and Bitcoin Cash (BCH) were made to over 17,000 creditors across three separate distributions on July 5, 16, and 24. The ongoing process aims to compensate those affected by the 2014 hack, which resulted in the loss of at least 850,000 BTC.

Market Impact and Creditor Behavior

The full impact of these distributions on the Bitcoin market remains uncertain. Some analysts predict potential sell-off pressure from creditors due to the significant price increase of Bitcoin since 2014. However, a recent report by Glassnode suggests a different scenario.

Glassnode’s analysis of on-chain activity linked to the creditors indicates a profile more consistent with long-term holders and investors. This could potentially mitigate the expected sell-off pressure in the coming weeks.

As of July 31, 2024, the Bitcoin price sits around $66,300, with a slight decrease of 0.77% in the last 24 hours. The continued distribution of funds from Mt. Gox signifies a step towards closure for creditors and a potential turning point for the exchange’s troubled history.

[plotsforsaleinmysore]

What financing options are available for purchasing residential plots in Mysore?

What Financing Options Are Available for Purchasing Residential Plots in Mysore

Residential Plots in Mysore requires significant funding that calls for careful planning and economic consideration. With the real estate market in Mysore booming, many prospective customers are searching out excellent financing alternatives to help them secure their dream belongings. This manual provides a comprehensive assessment of the numerous financing options available for buying residential plots in Mysore, together with tips to help you pick the quality one that fits your wishes.

Home Loans for Plot Purchase

Most banks and economic institutions provide domestic loans specially designed for purchasing residential plots. These loans, regularly called plot loans or land loans, have precise phrases and conditions:

Eligibility: To be eligible, you need an excellent credit score, substantial income, and meeting the financial institution’s minimal profits requirements.

Loan Amount: Generally, banks finance as much as 70-eighty% of the Residential plots  plot’s market price. The remaining quantity is to be funded by using the consumer as a down fee.

Interest Rates: Interest charges for plot loans may be either fixed or floating. Floating costs tend to decrease, but they can fluctuate totally depending on market situations.

Tenure: The tenure for plot loan tiers is typically from 10 to 15 years, shorter than the tenure for home creation loans.

Processing Fees: Banks may additionally fee a processing charge, generally a percent of the mortgage amount.

Key Banks Offering Plot Loans in Mysore:

State Bank of India (SBI)

HDFC Bank

ICICI Bank

Axis Bank

Punjab National Bank (PNB)

Loan Against Property (LAP)

If you already own property, you could leverage it to get a mortgage towards property (LAP). This type of mortgage allows you to apply your present assets as collateral to finance the acquisition of a new residential plot in Mysore.

Eligibility: Similar to plan loans, however, you need to own every belonging that can be mortgaged.

Loan Amount: You can usually get a loan amounting to 50-70% of the market price of your present property.

Interest Rates: Generally decrease than private loans; however, they are higher than domestic loans.

Tenure: Usually levels from 10 to 15 years.

Usage Flexibility: LAP may be used for various purposes, including shopping a plot, enterprise expansion, or private wishes.

Personal Loans

Personal loans are an alternative financing option if you want a smaller amount or don’t qualify for plot loans or LAP. However, they have higher interest costs and shorter repayment tenures.

Eligibility: It depends on your credit score, profits, and compensation capacity.

Loan Amount: Usually as much as INR 25 lakhs, depending on the lender.

Interest Rates: Higher than home and plot loans, frequently starting from 10% to 24%.

Tenure: Typically between 1 to five years.

No Collateral Required: These are unsecured loans, which means no collateral is wanted.

Builder Financing Schemes

Some real estate builders in Mysore offer in-house financing schemes or have tie-ups with banks to offer loans to buyers. These schemes can be helpful as they provide aggressive interest quotes and simplified utility approaches.

Eligibility: Depends on the developer’s standards and the related financial institution’s requirements.

Loan Amount and Terms: Vary based on the agreement between the developer and the bank.

Convenience: Often, these schemes involve less office work and faster processing times.

Self-Financing

Self-financing entails using your financial savings or liquidating property to purchase the plot. This alternative eliminates the need for loans and hobby bills but requires significant advance capital.

Liquidity: Ensure you keep sufficient liquidity for different wishes and emergencies.

Opportunity Cost: Consider the capability returns from investing your savings elsewhere.

Tips for Choosing the Right Financing Option

Assess Your Financial Situation: Understand your earnings, expenses, existing liabilities, and credit score rating.

Compare Interest Rates: Shop around and examine hobby charges, processing expenses, and different costs from one-of-a-kind lenders.

Understand the Terms: Read the fantastic print and apprehend the mortgage terms, which include prepayment consequences and different situations.

Plan for Down Payment: Save up for the down payment, which can be huge for plot loans.

Seek Professional Advice: Consult with an economic marketing consultant or actual property expert to recognize the best alternatives for your state of affairs.

Conclusion

Purchasing a residential plot in Mysore is a substantial step toward securing your dream domestic or creating treasured funding. With numerous financing alternatives to be had, from plot loans and LAP to personal lending and builder financing schemes, you may pick out the only one that first fits your monetary state of affairs and dreams. By gaining expertise in each choice and planning thus, you may make a well-knowledgeable decision and pass closer to owning a bit of Mysore’s growing actual property marketplace.

For More Information Visit, Residential Plots in Mysore 

[amityuniversitykolkata]

Achieve Business Brilliance At The Best B.com Colleges In Kolkata

Nowadays, getting a B.Com degree is important for a commerce student, but it is not enough. It is not easy to find high-paying jobs for B.Com graduates if one has not chosen the right B.com college. This blog will help you find the best B.com college in Kolkata. Just completing a degree can’t promise you a great career after b.com but the college that provides you with the right set of skills, great placements and state-of-the-art infrastructure is crucial. Amity University Kolkata is the best college in Kolkata, it makes its students ready for a great career in commerce. 

Scope for B.Com in different sectors

There are too many options available for you after pursuing a B.com course in Kolkata from Amity University. Some of them are listed below.

Banks

B.com graduates generally opt for the banking sector because banks have large-scale accounting operations. A B.Com graduate is proficient in handling financial transactions. Both private & PSU banks choose B.Com graduates as they are skilled in banking operations as part of their course. A plethora of private sector banks are functioning in the country that offer exceptional employment possibilities to commerce graduates. For PSU, bank candidates can appear in different exams that IBPS, & SBI conduct for recruiting officers and executives.

Finance

India is home to many Non-Banking Finance Companies (NBFC) that offer guaranteed & unsecured loans for different purposes. They operate under RBI regulations and cannot accept deposits, but are interested in financing activities.

These NBFCs hire B.Com graduates as they are proficient in accounting, taxation, & commercial operations.

Accounting

As discussed earlier, there is enormous scope for B.com graduates in accounting because they are dexterous in managing the accounts and finances of the company. All firms like to have clean accounts because they want to decrease the auditing cost every year.

Insurance

India offers an expansive market because of its middle class having exemplary purchasing power. The scope for B.Com increases because both life and general insurance products are popular among the masses. The B.com graduates are specialists in accounting who service clients by citing premiums and other advantages as part of their insurance plan.

Taxation

In this field, B.com holders can go for chartered accountants, financial risk managers, tax consultants, tax specialists, senior tax managers, tax compliance managers, cost estimators, lecturers, stockbrokers, financial analysts, and actuaries. Many people struggle to file tax returns because they cannot file returns online. B.Com graduates aid clients in filing returns and generating their tax statements, saving them from last-minute nuisances.

Education

There is immense scope for B.Com graduates in the education sector students can opt for a B.Ed and accordingly become a TGT or PGT.  Students clearing the National Eligibility Test (NET) are also eligible jobs of lecturer and professors. 

Wealth Management

If you are familiar with the various investment options that provide good returns, then wealth management is an excellent career for you. With expertise in accounts & business mathematics, B.com graduates can become wealth managers & help people create wealth through intelligent investment moves.

Apply today!!

Amity is the premium B.com college in Kolkata. Aspiring students are encouraged to grab this opportunity to be a part of the community dedicated to academic superiority, personal development, and professional success.

Source: https://amityuniversitykolkata.blogspot.com/2024/05/achieve-business-brilliance-at-best.html

[merleklein]

Lightning Protection Products You Never Knew You Needed

Dissipation Systems are designed to prevent lightning strikes. These refer to devices using point discharge phenomena to retard and reduce the potential of lightning strikes on their protected devices.

Choosing the appropriate lightning protection products for a specific application requires several performance issues to be considered, such as the radius of the dissipater electrode cross-section, the construction material of the dissipater, the number and density of electrodes, and the configuration of the dissipater on the structure it is designed to protect. 

The Dissipation Array System (or DAS) is a lightning prevention system. Well, it doesn’t prevent lightning from happening altogether, but it does prevent lightning from striking the protected structure. There is a lot of detail on how it does this, but the simple version is that it lowers the electrostatic field in the protected zone. This prevents upward-rising lightning leaders (or streamers) from being created on the protected structure. Without these upward-rising leaders, essential for lightning collection, lightning would not be able to hit that structure. The DAS is a no-strike prevention system. This means that the system will not allow strikes to the protected area due to its high level of performance. 

Our lightning protection products also consist of a low-impendence grounding system, Transient Voltage Surge Suppression (TVSS), and a Strike Prevention Device (SBI). It can be configured for almost every structure; for example, the Hemisphere Array is suitable for industrial or commercial structures, whereas the Rim Array is designed for floating roof tanks in the petrochemical and flammable industries.

The SBIs are a more cost-effective, modular design based on the same principle of operation. They prevent 70-80% of strikes at a lower cost. 

Spline Ball Terminal – It has the capability of decreasing the risk of a direct lightning strike, and if prevention is not possible, it safely collects the strikes and eliminates them to the ground. The SBT is an off-the-shelf lightning protection product that perfectly replaces standard air terminals.

Our state-of-the-art products and reliable installation processes ensure you can have peace of mind knowing your property is protected. Trust us to be your go-to source for all your lightning protection needs. We serve a wide range of customers, including oil, gas, chemical, and other industrial facilities. We have established ourselves as a global authority.

Schedule a chat with our engineers to discuss your specific situation and assets that will need lightning protection products.

[stockmarketanalysis]

Complete Guide to Portfolio Risk Management: Protect & Grow Your Investments

Managing portfolio risk is crucial for every investor, whether you are a beginner or a seasoned market player. The right risk management strategies help maximize returns while minimizing potential losses. This guide will walk you through essential portfolio risk concepts, key metrics, strategies, and real-world examples—especially from the Indian stock market.

What Is Portfolio Risk Management & Why Does It Matter?

Understanding Portfolio Risk

Portfolio risk refers to the likelihood of financial losses due to market fluctuations, economic downturns, company-specific factors, and external shocks. Investors manage risk by diversifying their portfolios, using hedging techniques, and analyzing risk-adjusted returns.

Why It Matters?

Mitigates volatility: Reduces exposure to unexpected market crashes.

Ensures steady growth: Helps maintain long-term investment stability.

Aligns with financial goals: Ensures risks match investment objectives.

📌 Example: The 2008 global financial crisis led to a 52% decline in the SENSEX within a year. Investors with diversified portfolios and proper risk management suffered fewer losses than those heavily invested in one asset class.

Key Types of Investment Risks You Must Know

1. Market Risk (Systematic Risk)

The risk of investments declining due to macroeconomic factors like inflation, interest rates, geopolitical events, and recession. 🔹 Example: The COVID-19 pandemic in 2020 led to a 40% fall in the Indian stock market within two months.

2. Credit Risk

The risk that a bond issuer may default on payments. 🔹 Example: The IL&FS default crisis in 2018 led to a market-wide panic, impacting stocks and mutual funds exposed to NBFCs.

3. Liquidity Risk

The risk of not being able to sell an asset quickly at its fair price. 🔹 Example: Small-cap stocks often face low liquidity, making them difficult to exit during market downturns.

4. Inflation Risk

If inflation rises, the real returns on investments decrease. 🔹 Example: Fixed deposits yielding 5% may seem safe, but if inflation is 6%, investors lose purchasing power.

5. Currency Risk

Investors in foreign assets are exposed to currency fluctuations. 🔹 Example: The fall of the Indian Rupee against the US Dollar affected returns of investors holding US stocks in 2023.

Assessing Your Risk Tolerance: Are You an Aggressive or Conservative Investor?

Factors That Determine Your Risk Appetite

Age: Younger investors can take more risks.

Financial Goals: Short-term goals require low-risk investments.

Income & Liabilities: Higher disposable income allows greater risk exposure.

📊 Risk Profiling Tools: Use platforms like Strike.money to analyze risk-adjusted returns before investing.

Portfolio Diversification: The Best Way to Reduce Risk

How Diversification Works?

Diversification spreads investments across different asset classes, sectors, and geographies, reducing exposure to any single risk.

Asset Allocation Strategies

Aggressive Investors (High-Risk Tolerance):

70% Equities (Large-cap, Mid-cap, Small-cap)

20% Bonds

10% Alternative Investments (Gold, Real Estate, REITs)

Conservative Investors (Low-Risk Tolerance):

30% Equities (Blue-chip stocks)

50% Bonds & Fixed-Income Instruments

20% Gold & Liquid Funds

🔹 Example: A well-diversified portfolio in India could include:

HDFC Bank (Banking Sector)

Tata Consultancy Services (IT Sector)

Reliance Industries (Oil & Gas)

SBI Bonds (Fixed-Income)

Gold ETFs (Safe-haven asset)

Risk Measurement Tools: How to Evaluate Your Portfolio Risk?

1. Standard Deviation & Volatility

Measures price fluctuations over time. 📌 Example: A stock with high standard deviation (e.g., Adani Enterprises) is riskier than HDFC Bank, which has lower volatility.

2. Beta Coefficient

Beta > 1 → Stock is more volatile than the market. Beta < 1 → Stock is less volatile than the market. 📌 Example: Nifty 50 ETFs have a beta close to 1, meaning they move with the market.

3. Sharpe Ratio & Sortino Ratio

Sharpe Ratio: Measures risk-adjusted returns. Higher is better.

Sortino Ratio: Focuses on downside risk.

📌 Example: Between 2010-2020, HDFC Bank had a Sharpe Ratio of 1.2, indicating good risk-adjusted returns compared to peers.

4. Value at Risk (VaR)

Estimates the potential loss in a portfolio over a given period.

Hedging Strategies: How to Protect Your Portfolio from Market Crashes?

1. Using Derivatives (Options & Futures)

Put Options: Protect against falling stock prices.

Futures Contracts: Lock in prices for risk management.

📌 Example: During the 2020 market crash, investors who bought put options on NIFTY protected their portfolios from steep losses.

2. Investing in Defensive Stocks

Defensive stocks (like FMCG & Pharma) perform well even in downturns. 📌 Example: HUL (Hindustan Unilever) and Dr. Reddy’s remained stable during the 2020 crash.

3. Stop-Loss Orders

Automated orders to limit losses when stock prices drop.

4. Gold & Safe-Haven Assets

Gold prices tend to rise during market crashes. 📌 Example: In 2020, gold prices surged by 30%, acting as a hedge against stock market losses.

The Role of Behavioral Finance in Risk Management

Common Investor Biases That Lead to Risky Decisions

Loss Aversion: Fear of losses leads to premature selling.

Overconfidence Bias: Investors overestimate their stock-picking skills.

Herd Mentality: Buying stocks based on market hype.

📌 Example: Many investors panic sold in March 2020, only to miss the massive rally that followed.

How to Overcome Biases?

Use data-driven decisions (Strike.money charts & risk models).

Stick to long-term investment plans.

Avoid emotional trading.

Risk Management in Different Market Conditions

Bull Markets (Rising Market)

Rebalance portfolios to reduce overexposure to high-risk assets.

Book partial profits to secure gains.

Bear Markets (Declining Market)

Increase exposure to defensive stocks.

Use dollar-cost averaging to buy stocks at lower prices.

📌 Example: Investors who consistently bought NIFTY 50 ETFs during 2020 recovered losses within a year.

Top Portfolio Risk Management Tools & Software

Strike.money – Advanced charting & risk analysis tool.

Morningstar – Mutual fund & stock analysis.

RiskMetrics – Institutional risk assessment.

Bloomberg Terminal – Professional portfolio risk management.

Case Studies: How Smart Investors Manage Risk

1. Warren Buffett’s Risk-Averse Strategy

Buffett prioritizes strong fundamentals, low debt, and long-term investing.

📌 Example: His focus on financially strong companies helped him avoid losses during the 2008 crisis.

2. How Indian Mutual Funds Use Risk Management

Mutual funds follow sector allocation, hedging strategies, and cash reserves.

📌 Example: SBI Bluechip Fund reduced equity exposure before the 2020 crash, minimizing losses.

Final Thoughts: How to Build a Risk-Proof Portfolio Today?

✅ Assess your risk profile before investing. ✅ Diversify across sectors & asset classes to minimize losses. ✅ Use risk metrics (VaR, Beta, Sharpe Ratio) to evaluate your investments. ✅ Adopt hedging strategies like stop-loss orders & defensive stocks. ✅ Monitor market trends using tools like Strike.money.

By implementing these strategies, you can protect your wealth while growing your portfolio in any market condition. 🚀

[10bmnews]

SBI Loan To Get Cheaper! Bank Cuts Lending Rates From Today 15 April 2025 | Personal Finance News

New Delhi: In what would make loans cheaper for borrowers, India’s largest public sector lender State Bank of India (SBI) has announced decrease in lending rates effective today (Tuesday). State Bank of India has cut its External Benchmark Based Lending Rate (EBLR) by 25 basis points from 8.65 percent to 8.90 effective from 15 April 2025. SBI’s Repo Linked Lending Rate (RLLR) –barring credit risk…

[currenthunt]

According to the SBI Research report, individual income inequality in India has significantly declined in the past 8 years

- According to the SBI Research report, individual income inequality in India has significantly declined in the past 8 years. - As per an economic research report released by the State Bank of India, individual income inequality in India has substantially decreased between the financial years 2013-2014 and 2021-2022. - As per the study, the reason for the reduction is significant movement within the income categories at the lower end of the economic pyramid. - The report is brought out by the Economic Research Department of SBI. - As per the report, income inequality measured through the Gini coefficient of taxable income has reduced significantly from 0.472 to 0.402 during the financial years 2013-14 and 2021-22. - As per the report, 36.3% of taxpayers have migrated from lower income to higher income tax bucket. - The report shows that the top 2.5% of taxpayer’s income contribution has declined from 2.81% to 2.28% during financial years 2013-2014 and 2021-2022. - The report reveals that the income disparity of people earning less than 3.5 lakhs rupees has declined from 31.8% to 15.8% during financial years 2013-2014 and 2021-2022. - This means that the percentage of this income group in the overall income has climbed by 16 percent relative to the population. Read the full article

[newsonlines-world]

The Sensex is down 8% today, the steepest drop since 2008; the Dow opens with another crash

As India's stock market index, the Sensex, dropped by a startling 8%, the world's financial markets had a turbulent day. This decrease represents the biggest one-day slump since the 2008 financial crisis. The Dow Jones Industrial Average began with another huge collapse, adding to the depressing mood and alarming investors all over the world. Selling avalanches reportedly caused SBI to incur a decline of 13.23% in India and a loss of 9.82% in the oil and gas sectors, according to Siddharth Mehta, IL&FS Former Director and CIO of Bay Capital. Real estate, metal, bankex, finance, oil, and IT all saw declines in their sector indices. For well-run, non-leveraged businesses, prudent investing is advocated despite market volatility.

Numerous variables, the biggest one being the growing worries about the COVID-19 pandemic's economic impact, can be blamed for the Sensex's sharp decrease. A serious setback for the global economy has resulted from businesses across all sectors ceasing operations because of sudden lockdowns, travel restrictions, and interruptions in supply chains. The stock market has experienced significant selloffs because of investors' anxiety over the economy's future and their struggle with uncertainty. Siddharth Mehta Bay Capital, CIO and Former Director IL&FS believes stock markets are essential for a free-market economy, allowing buyers and sellers to trade equity shares. He emphasizes the need for concentration and intelligent choices to achieve substantial gains, emphasizing the importance of clear goals in stock market engagement.

Additionally, the decline in the Dow Jones Industrial Average is indicative of a wider pattern of unrest in the world's stock markets. The outbreak's focal point, the United States, has already seen major market changes in recent weeks. Investors' confidence in the long-term stability of the financial markets is eroding as the number of confirmed COVID-19 incidents rises globally.

The effects of current market volatility extend beyond investors. The stock market's decline has repercussions for firms, consumers, and even governments. Companies that rely on the stock market to raise money or pay for expansion plans may experience tighter access to liquidity, which would hurt their chances of expanding. Additionally, falling stock prices undermine consumer confidence, which may result in less spending and a decrease in economic growth. The task for governments is to reduce these harmful consequences and put policies in place to stabilize their economy.

Central banks and governments are acting swiftly to combat the economic slowdown in light of these developments. To stabilize and support the financial markets, central banks have taken steps like lowering interest rates and injecting more liquidity. To promote economic growth and lessen the effects of the crisis on firms and consumers, governments have also introduced fiscal stimulus programs.

Although historically resilient, the short-term future of stock markets is uncertain. Investors should keep a long-term perspective because there may be possibilities for value investing during difficult times. Siddharth Mehta views, that the overall Sensex decline and Dow Jones Industrial Average crash indicate global stock markets are struggling due to COVID-19, Investor panic is triggered by economic uncertainty, but governments and central banks are working to stabilize the situation.