tag:blogger.com,1999:blog-10725343794475997712024-03-10T10:46:00.938+08:00Anand's BlogAnand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.comBlogger433125tag:blogger.com,1999:blog-1072534379447599771.post-65153868183243795272017-09-16T10:53:00.000+08:002017-09-16T10:53:06.102+08:00Is the Bullet Train Project in India Commercially Viable?
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Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-85747171236849554132017-09-11T11:00:00.000+08:002017-09-11T11:00:25.438+08:00Was Demonetization really a Success?
Its been
almost a year since the Demonetisation announcement by the Indian prime
minister but the argument has actually not subsided on whether it was a success
or a failure. The pro BJP faction is sharing statistics to justify the decision
and glorify the outcome while the anti BJP faction is doing just the opposite. To
add on, experts from many different walks of the world have shared theirAnand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com2tag:blogger.com,1999:blog-1072534379447599771.post-59957012948823985392017-09-09T17:24:00.000+08:002017-09-09T17:25:37.677+08:00Why is Indias GDP growth slowing down?
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Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-264511240009679232017-08-19T22:12:00.002+08:002017-08-19T22:14:11.162+08:00Should you Subscribe to the Infosys Share BuyBack?
Infosys has been in the news over the past couple of days for different reasons. Their CEO Mr. Vishal Sikka just resigned citing constant malicious comments & distractions from founders and to say that the company stock has taken a beating would be an understatement. Investors lost about 9% of their stock value in a single day and things aren't looking that great until the new leadership Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-28290875250060165802017-08-12T12:29:00.003+08:002017-08-12T12:30:44.013+08:00Investment Basics
Every kid from the 80s and 90s that grew up watching disney cartoons on TV (way before iPads and youtube took over entertainment) would remember Scrooge McDuck - the rich duck who swam in a big vault full of gold coins and wished we had so much money. He was a penny pincher who hoarded money like there was never tomorrow. We on the other hand, spend there is no tomorrow andAnand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com1tag:blogger.com,1999:blog-1072534379447599771.post-46052932993041348972017-05-27T12:33:00.000+08:002017-05-27T12:33:36.381+08:00Impact of the GST Bill on the Indian Economy
As you are aware
thanks to the news and social media frenzy in the past week, the government of
India has declared that the new GST rules will come into effect from 1st
of July onwards. In the previous article we had covered the basic questions you might have had about the GST bill. I had mentioned that the detailed impact of the
GST bill on the Indian Economy would be covered in a separate Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-37088738969203986212017-05-26T18:34:00.004+08:002017-05-26T18:34:55.280+08:00All your Questions about the new GST Bill 2017 in India - Answered!!!
The last
few days have been quite turbulent for the social media ever since the
government declared its intention that the GST Bill is finally set to become a
reality. You may ask me what doesn’t trigger a social media frenzy in India
these days. Anyways, coming back to the topic, there are a lot of news posts
being shared on social media about GST being good or bad (depending on whether the
Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-9609100684571988552017-03-20T16:51:00.001+08:002017-03-21T14:50:59.311+08:00Money Donts with Kids
Money is always a sensitive subject especially with Kids. As parents we work very hard to give our kids the life we think they deserve. As the father of a 2 year old, Money is one subject I need to teach her to make sure she can take care of herself in this fast paced world.
I have already written a couple of articles about Children & Money – more on the “Dos” or the things we mustAnand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com5tag:blogger.com,1999:blog-1072534379447599771.post-28636654950539310852017-03-07T18:01:00.001+08:002017-03-07T21:44:43.067+08:00Are the New Banking Fees and Charges Justified?
For the past few days, social media in India has been buzzing with memes and posts about the new fees and charges that banks like SBI, ICICI, HDFC, Axis have introduced. Some were true while many were actually incorrect interpretations of the proposed fees so I had listed down all the changes in the previous article.
That being said, as a customer everyone is left wondering Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com3tag:blogger.com,1999:blog-1072534379447599771.post-29838395203711709292017-03-07T17:55:00.001+08:002017-03-07T21:40:43.447+08:00List of New Fees and Charges Proposed by Banks in India
In the past week Social Media is abuzz with a ton of memes about the new fees and charges introduced by banks. While some are true many are also fake which are just intended to spread fear and create a sense of restlessness among the general public. As a Blogger it is my responsibility to help you understand what exactly are these changes or rather the new fees that you may get subjected to.&Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-83946280832740135262017-02-07T16:49:00.001+08:002017-02-07T16:49:42.988+08:00Budget 2017: Impact of Increased Infrastructure Spending
Infrastructure
sector is a key driver for the Indian economy. Infrastructure sector includes
power, bridges, dams, roads, rural/urban infrastructure development and also Affordable
Real Estate (Housing). As evident in the 2017 budget speech by our FinMin, this
sector enjoys intense focus from Government for initiating policies that would
ensure time-bound creation of world class infrastructure Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-70851469245710229302017-02-04T08:11:00.000+08:002017-02-07T10:55:05.429+08:00Budget 2017: A Broad Review
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The last couple of days have been quite
busy for experts in the various sectors of the Indian Economy. Everyone has
been buzzing about the Indian Union Budget that was tabled by our Fin Min on
1st Feb 2017. As expected opposition and their loyalists are claiming this
budget has nothing fruitful and the ones in power and of course their loyalists
claim this budget to be the Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-69107465831364890422017-02-02T12:00:00.000+08:002017-02-02T12:00:18.595+08:00What Happens to NPAs in Banks?
A few weeks ago, at the peak of the
Demonetization drive, there was a new about a loan given to Kingfisher Airlines
being written off and the social media was full of propaganda posts about how
the government was trying to use Demonetization to Waive Off Bad loans. I had
published an article then about how a Write Off is different from a Loan Waiver
and also mentioned that Banks have certain Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com1tag:blogger.com,1999:blog-1072534379447599771.post-39642952521989162902017-01-30T12:00:00.000+08:002017-01-30T12:00:17.447+08:00Is the Indian Banking Industry Heading toward a Crisis?
In the last
2 articles, we understood about the volume of Bad Loans or NPAs that are
currently outstanding in the books of our Banks as well as why or how Banksmanaged to delay this declaration so long. Now, that we know we have over 6
lakh crores in Bad Loans, the question that is probably on your mind is – Is
our Indian Banking Industry heading toward a crisis?
Hopefully,
this article can Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-46000937802903694002017-01-27T18:17:00.000+08:002017-01-27T18:17:00.034+08:00Why Did NPAs rise so sharply in 2016?
In the previous article we saw that the
year 2016 saw a tremendous rise in NPAs across Banks in India and also saw the
outstanding NPA’s on a per bank basis. With those numbers in the background, it
is obvious that the Banking Industry in India is on the verge of a major
crisis. But, the more important question is, Why or How did this happen?
How did this NPA Story Come About?
In just Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com1tag:blogger.com,1999:blog-1072534379447599771.post-7984781760485966122017-01-26T20:30:00.000+08:002017-01-26T20:35:44.227+08:00The NPA Problem in Indian BanksThe Banking industry in India has always been one of the most favoured in our country thanks to solid and stellar numbers declared year after year. But, if you take the last year 2016 and dig a little deeper into the numbers, there is one glaring problem that has come out – Non Performing Assets or NPA’s. In layman terms an NPA refers to a Bad Loan that has defaulted. Would these NPA’s push the Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-86426386712582428692017-01-08T01:36:00.003+08:002017-01-09T10:08:15.593+08:00What is the Government doing to boost Cashless Economy?
In the last
two articles we covered why India should move toward a cashless economy as well
as whether the move is feasible. Toward the end of the article on whether we
move toward cashless system, I had mentioned that the Government of India has
offered a lot of Incentives to the Citizens of India to promote this move
toward a Digital and Cashless Economy. You will learn about them in this
Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-9570008145584534202017-01-08T01:29:00.000+08:002017-01-08T01:37:03.686+08:00Can India really Become Cashless and Digital?
In the lastarticle, we saw why moving toward a digital and cashless economy is beneficial
for our country. To give you a quick summary, moving toward a digital economy
helps bring in more transactions under the official list and contribute toward
GDP as well as governments tax revenue. Also, the cost of printing and
maintaining the cash infrastructure comes down. That all seems like a good
Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-12227746482773625012017-01-08T01:26:00.003+08:002017-01-08T01:29:46.912+08:00Should India go Cashless?
Ever since the honourable prime minister of India announced the demonetisation of old 500 and 1000 rupee notes in November last year, social media and news channels have been abuzz about the subject. With the Governments renewed push towards a more digital and cashless economy there is a plenty of noise on the subject. Unfortunately most of the information in circulation in social media is Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-8220658245961529702016-11-17T14:41:00.002+08:002016-11-17T21:31:35.038+08:00What is a Loan Write Off?
Even before the dust has settled from the Demonetisation of the 500 and 1000 rupee notes bombshell dropped by the Indian government last week, yet another topic has become the most widespread shared & criticised subject. What is it?
“Loan Write off by Banks” is that hot topic and everyone is talking about this subject but based on what is being spoken, it looks like; the ones doing the Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com4tag:blogger.com,1999:blog-1072534379447599771.post-33886982960193171022016-11-15T09:51:00.000+08:002017-09-09T18:00:38.615+08:00Detailed Impact analysis of Demonetization – Long term Benefits Outweigh Short Term Pain
In the previous article, we saw a quick overview of the Demonetization scheme and its immediate impact on the citizens of the country. Over the past few days social media has been buzzing with posts and memes both pro and against the move. Before you decide whether you are For or Against this move by the Indian Government, I would recommend you read this article first. The purpose ofAnand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com1tag:blogger.com,1999:blog-1072534379447599771.post-41800193352186161802016-11-09T20:07:00.003+08:002016-11-09T22:21:54.200+08:00500 and 1000 Rupees are No Longer Legal Tender – A Brilliant Move by
the Indian Government to Curb Black Money
Last night,
the Prime Minister of India came out with a blockbuster announcement that has
probably resulted in millions of people losing their sleep. The 500 and 1000
rupee notes that are in circulation right now have been declared as worthless
starting 12 AM of 9th November 2016. No, I am not joking.
Yes, the
Honourable PM of India has indeed declared that from 9th November
onwards, 500 Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com2tag:blogger.com,1999:blog-1072534379447599771.post-49170954528102679022016-10-23T19:49:00.000+08:002016-10-23T19:49:03.520+08:00Is Paying for Financial Planning or Investment Advice Worth it?
As the second most populous nation in the world, India is arguably one of the fastest growing markets when it comes to the financial services industry. Almost every bank offers financial planning and investment advice these days. You get random calls from agents selling the best investment product ever almost on a daily or weekly basis. And, we also have friends or neighbours or relatives who Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0tag:blogger.com,1999:blog-1072534379447599771.post-54824667013426892942016-09-14T19:15:00.000+08:002016-09-14T19:15:15.342+08:00MetLife Mera Term Plan – Product Information and a Review
If you have been a follower of my blog or read any of my
articles about Life Insurance, then you would already know that I am a strong
believer in Term Life Insurance Products. Even in my book, I have spent an
entire section highlighting why Term Plans are a MUST for every individual who
has a family and/or dependents. In this article we are going to review one of
the recently launched Term Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com2tag:blogger.com,1999:blog-1072534379447599771.post-51397156836410848602016-07-29T20:07:00.002+08:002016-07-29T20:07:32.726+08:00Summary of the Brexit Impact on UK Economy
Experts have been
arguing on their blogs, on live talk shows on TV etc that leaving the European
Union would cause significant damage the UK Economy. As you might have seen in
the various articles in this Brexit Series, am a little skeptical of these
Extreme claims.
Yes, it is nearly
impossible for the UK to come out unscathed post Brexit because it has been a
pivotal member of the EU and Anand Vijayakumarhttp://www.blogger.com/profile/04069290912727901147noreply@blogger.com0