Project We Like

Presented By Shashikant Gujrati

Personal Finance
Personal finance comprises 3 major
components
1) Saving
2) Inflation
3) Investment

Savings
Income Expenses = Savings
Or
Income Saving = Expenses
Or
Income Future Expenses = Current
Expenses
Prepone your saving and postpone your
expenses.

Inflation
The purchasing power of our saving is reduced.
Reduction in the purchasing power of money
With time is Inflation

Investment
Savings need to be invested so that it at least
outgrow
inflation.
If by investing
1. Return = Inflation . No Gain
2. Return > Inflation . Gain
3. Return < Inflation . Loss
In third case the purchasing power of the
person is
reduced.

What is investment
Investment is like watching the paint on the
wall to dry.
It is a slow and steady process for wealth
creation.
Earlier one starts investing the better it is, as
money
grows with a compounding effect.

How to invest
Choose the asset class to invest as per your
goals.
Do adequate research.
Higher the period of investment lower is the
risk, lower
the period of investment higher is the risk.
Nearer the goal take less risk, move money
from high

Dos and Donts of Investment

Dos
1) Plan well to earn tax efficient returns.
2) Diversify your Investment among different
assets.
Donts
3) Do not speculate/gamble. Investment is a
serious activity.
4) There are no free lunches, they are just
mouse traps.

Personal Budgeting
What is personal budget
Why we need Personal budget
Purpose and Definition
Strategies of Budgeting

Budget
Budget is an itemized summary of likely

income and expenses

A plan for coordination of resouces and

expenditures
Budget provides a concrete, organized and

easily understood breakdown of how much

money is coming in and how much is going
out.

Why budgeting is
important
Identifies and help to achieve financial goals

i.e.
Buy car, Buy House, Child Education etc.
Budget will breakdown expenses and help to

understand where the hard earned money is

going.
Provide sense of financial security.

Purpose and Definition

Without budget one may be in dark
Surviving only month to month
With no saving and no investment

The budget helps you to prioritze your

expenses.

Steps to Personal
Budgeting
There are seven steps to personal budgeting
1) Choose a system
2) Determine your income
3) Determine your expenses
4) Compare your Income and Expenses
5) Determine your financial goals
6) Improve your situation
7) Review and Evaluate your progress.

Introduction to Capital
Markets
1) What is stock exchange
2) What is money market
3) Global Market

Stock Exchange
Stock exchange is a platform where buyers

and sellers
meet.
Place to buy and sell shares.
Bridge between demanders of fund and

supplier of fund.

Participants in stock
market
Government
Companies
Institutions
Retail Investors
Mutual Funds

Stock Exchanges in India

26 small and big stock exchanges in India.
Major Stock Excahnge

1) BSE
2) NSE
Stock Indices also serve as one of the

barometer of economy.

Money Market
It is a market for short term source of funds.
T- bills, Commercial papers, Inter- corporate

deposit
certificate are some of the ways for short term
funds.

Global Markets
US Stock Exchange Dowjones, NASDAQ
European Exchanges FTSE (London), DAX

(Germany), CAC (France)

Asian Exchanges Nikkei 225, SGX Nifty,
HangSeng
The global market movements also affect the

stock indices movement in Indian and other

local markets.

Dematerialization, Depositories,
Buying and Selling Securities
Dematerialization refers to substitution of

paper form securities by book entry securities.

Demat refers to dematerialized account.
In demat account securities are held

electronically than physical possession of

certificates.

Dematerialization, Depositories,
Buying and Selling Securities
The main function of depository is to

dematerialize securities and enable their

transactions in book entry form(exist only as
electronic records).
Entities in demat are

Depository Participant, Registered Owners,

Beneficial Owners, Issuer and Registrar and
Transfer Agents.

Dematerialization, Depositories,
Buying and Selling Securities
Buying and selling of securities take place in

the trading cycle as it not possible to pay cash

to seller and securities to buyer immediately
on execution of trades.
After trading period is over buyer broker pays
money and seller broker delivers security to
clearing house on a predefined day which is
called Pay-In.
After pay in the clearing house gives
security to buyer broker and cash to the seller
broker.This is Pay-Out.

5 Smart ways to Invest

Look for leaders in the sector
Look at the companys potential for growth
Avoid companies with heavy debt.

continued in next slide

5 Smart ways to Invest

Look for Positive Cash Flows
Promoter background most important.
Fundamental and Technical analysis, if above

5 basics are not in place, is of no point.

SAIL Investment
Steel Authority of India Ltd. to invest 1,50,000

crore
to ramp up steel production by 2030-2031.
Production plants in Durgapur.
50:50 joint venture with Kobe steel, Japanese

steel maker for production plants.

Apollo hospital
Acquisition
Apollo hospital acquires NOVA specialty in

Rs145 crore deal.

This acquisition will mark entry of Apollo

hospitals in areas like Mumbai, Jaipur and

Kanpur.
AHLL is aiming to create a business of Rs 500

crore in 5 years in the space of multispeciality short stay/day surgery centres.

Retail Banks to invest in

IT
According to a new research, almost 50

percent of the senior IT executives identify

digital channels as a key driver for revenue
growth for the new year and beyond.
Need to grow topline revenue through sales

and customer conversion rates, is driving

investment into digital channels.

Retail Banks to invest in

IT
The greatest spending in 2015 are mobile and

online banking.
The top priority for CIOs is delivering

customer-centric banking services, allowing

them access to accounts at any time, in any
place, and on any device.

Medical Devices Sector opens up

for 100% FDI
FDI up to 100% under the automatic route is

permitted for manufacturing of medical

devices.
The proposal approved by Cabinet will allow

domestic manufacturing.

Medical Devices Sector opens up

for 100% FDI
About 70% of the country's medical devices'

demand, which include sutures, implants and

surgical instruments, is met through imports,
adding to the country's import bill.
With this move, the government is trying to

encourage manufacturers to tap the global

market that is likely to touch $400 billion in
2015.

46% Growth in Phone Banking

Registration in 2014
State Bank of India (SBI) posted a 46%

increase in customers registering for mobilephone banking in calendar year 2014 over
2013.
70% of the customers were from non-metros

as the bank penetrated more rural areas to

open new accounts under its financial
inclusion programme.

46% Growth in Phone Banking

Registration in 2014
The mobile banking services can be availed

using any kind of mobile phone as the service

is based on short-messaging service (SMS).
Once message banking is understood by

people, there will be an explosion of banking

activities in the mobile space.

Difference between Debit and

Credit Card
An amount used from your debit card is the

money which you own.

Interest rates are not charged on the money

used since it is your own money which gets

deducted from your card.
It means you can spend the money which is

available in your account.

Difference between Debit and

Credit Card
An amount used from credit card is in the

form of loan or debt which needs to be paid to

the bank within a stipulated time.
In case of delay in payment on due date,

huge interest rates are levied.

Credit cards are not linked to your account.

You can independently get credit card

irrespective of whether you have account or
not.

What is gift tax? Who is liable to

pay gift tax?
Under the latest law, any gift received by a person in

cash or kind which exceeds Rs 50,000 will be taxed as

income from other sources of the Income Tax Act.
Exemption possible in following cases

1) Gifts received on occasion of the marriage

2) Under a will or by way of inheritance
3) In case of death of the payer
4)By way of bonus, gratuity or pension or to the
dependents of a deceased employee
5)Gifts from relatives on the occasion of marriage
6)NRI can gift their parents from NRE account

Tax saving instruments

ELSS (Equity Linked Savings Scheme)
ULIPS (Unit linked insurance plans)
PPF
Pension Plans
Insurance Plans
Bank FDs
Senior citiuzens savings scheme
NPS (New Pension Scheme)

Talk with Shubranshu Singh CMO

Visa
Understanding why the customers are afraid

to use the card payment online is important.

The customer is afraid of losing money in

frauds that take place online.

To solve the issue

1) Internet literacy important to change

customer mindset.
2) Making them aware of the security provided/
assurance provided by the bank.

3) Changing the habit of the customer for easy

online banking.
Requires time and awareness.

Talk with Rajdeep Mhatre, Supply

Chain Management, CHEP
The first thing to do in the morning is to

identify the task to be done in the day.

Three completed work in a day sufficient to

sustain in the work environment.

New technology required for sustained supply

chain/ in house logistics.

Pellets and vehicle to transport the logistics

inside and outside the warehouses, to reduce

human effort and increased sefficiency.

Talk to Paresh Parasnis

Learning from HDFC, writing skills are very

important
Especially when writing reports for oversees

clients.
Working with teams when thrown into adverse

situations.

Paresh told about how to work with customers

with even when they fail to repay loans

Finding ways in which they can help

customers in the repayment.

The customer centric attitude towards

business.

To define best practices within the defined

regulatory norms.
The design of distribution strategy and

backend strategy for a new company with pan

India presence so that it can reach most
people.
Focussing on execution.

THANK YOU!!!