ROLE AND RIGHTS OF | A NOMINEE | THE Economic TIMES THE 7S The global banking system is facing a crisis. Find out what this means for you. P2an cover siaiiy’ IS YOUR BANK SAFE? The global banking system is facing a crisis. Find out what this means for you. ySanket Dhanorkar fmmarogeotgbal ake Ionkfsiosiitrnamsthingin he ‘poise inate ote ry ish Intersstravs For aban, Svbadunaes liynigoermixetseeeparkeda eet, Indian banks cushioned against rate swings ven itinterest rates se urther an va Fatos of lan Gans ae ely treat ue of investments rede. the capitalisation inabove te minimum reultory Sneereabautihedeperprobiensin — eieraterthantara Daleatheein- AEBS 107 8.45 8 ‘egbalfimcalsintem Thetheataf Ystmentswereis lon ermbonds hich Galopoarencinscnargmeranets Grramerizesetoimcrstnichiies pale | H38 822 a “pthenactindisharkingvsemtes Tisinrinieretracstaraiyerodetne tears ‘54 ms . bcenlasrvinsediremgiomitionn itceftheseimesinena Theseasewo gpeuaNgisugn ABLE 1556 8 lal aps Thetathacpronevey techasyetictany mone dota ‘focommacaltant, ouss doers ‘stormbremingoverseascon change this.In ‘oaeysinfereomtete inate Wen SSmtegneanspeal very tast Dopey ‘mntemain ella asset "noe ssf hires cover tory ne fou spotnmningtene Why global banks are shaky BofreWlistouth petted et Ispertnenttocseussony resale ‘atesabanipeiees Raj Cher, 1D snichietinestment her LOT Ut the sete ine SVMsdvestfan cabohada nghmtzctuoninerstbcar {epost th ‘drum nbulk start idee Sowa ‘ou, “Thovezet bility mismata thaehad ‘reptotmetanlcoeete yeas Btaly ‘Shelstinalivesmsct™elese ran 90 ‘scrombling ota out theirmooe. Taseresefconfdace singe ae anisto sigstureBank demise can obeetriteotsnweenent ith {yplocarency Meagad Cred lee Indian banks on safe ground ‘xpetstilboleve ita opened tsomeroglralUStenkseanno! Rapes See cine Mayatea bend banks, ‘rom bsherinterstrotes Lacalbanks ‘ortho asosoratninacvaees, wih Investacsccomprisingenly aguarar ot thease Besides nents nese Ietsarelarelyinenernmentsecu Ina manksbavoenecoqatecacion ‘eabucrlnaretrsteenshgen observesSmoactonthopubesecortenks likely Seine toyhae athe ‘imparts wrth nese marke o arkotroqremont ees, ‘efor tesame sys SubanHave, Cake Further he deposit bas ot mostTadan SUikeroerroional USbark Her ‘ries pilaraftankincandtskensery ‘Seoul banks elles tha ‘ersten yntey Cat Teter lace thas lobalperstofine ‘uidityrishs“Indan bun ave ted bal Ayeristsaseen inthe Steed SVB: Pisdooassves the tho regular tram reauinenmntsfebaks across enins ‘xtenthlodiantnis aes cet Ieuiog Ines nave oper ‘Mreslestresulsreveeammeral ‘risiverylw“Tholoveregero for fenecveriardinindingueliscmany ‘Some banks have very high proportion High NPAs elect ecless ending practices {20 coud endanger Uw flue of Ue bale Ee arya navona sank 976 Punabasing ant 36 Bulk of investments by Indian banks are held till maturity These ae ot subjected to marked-to-marketreqirerens, which ins the it on profiel Ca Kn AE EE Sans wim inet proportn of HTM vestments Barks with owes proportion of HTM investment 5s 4 3 a7 sou oR (eon Wine as we OA oe Ue" ow ome eB Banks have maintained high liquidity coverage ratio Even Ds wt aes LCR ve aceqt eu eh nese there ek at at 262 IZTCN Ganks withhichest ick IECCTEIN Bans wih owest Lk er ws Uji ees aaa res ass Mata Le tine Bene "Son dane thre sec tra teh one Taga.btitissfetosaythaterisesctthe —hroachvarkschanoes"Brenifyexr atthe tank” asertrn Ase -uropoarohighiy impecbablein india {sheettoramain Viglane Thebanking oy metric. fyourbank aon porformning ‘Seumreton nepllacftanaeur- _ssuta(NPA)arovery gh my bea Spotting the warning signs ——iretimesufsinan tnteanerodrvery _tofectnetiechisa tee eetios Despicthernparetresioaceoindion quekir Whenthathanpens tsseursins_insnstoathatheleenssRen aban are Danks iao8VBepiedsisegamremncer forthetantyromaterhow nellcgpitalnetbemngrepadontine Soc Temas, Siietalinataemseaeperewred ti " “rntenocastinien ‘redaobeakeanbeconplclyineune —ingmetriesfvourbaak Tose iveyea_lochangeoabetermanagedbar: (Caghbaltanbingsrnellasgalicant aisridaofthotankacurreninencal " Havingabufertbread oars cabo Healthy provisioning limits of bad loans é the impact of bad loans & 'NetNPA are that portion of bad oars tht rave not neon [proved foo writen of a. precavnary mesure | EO NT usalrnene 181 Sunesaysmanein dank| 2.74 otk anna ark 0.43 aaa ae Indien oveseas tan 243 HOFC Bak 033cover sol Notall banks cover NPAs adequately “The govsion coverage aio FCR should rot be es sn 653, ‘Anigh PCR meas te bad loans wn hit bank to badly Lr aa Ss en oe ee civtnentoxe | 6780 ORK | ase Lower the cite aseavcy ratio (CAR, lesser the abily of tre bank w abso loses, cera | Giyudenaan | EN is |e — have low retail — a Tener CASA ali Ver whose Soo st | eres bank relies neal on cast ing which com hurt ts mans co a rn pe TaNacy Mer ban Banket vend Watch —— zz vil bier for alamemma Nigh low-cost depos andi enfirg tes Low NI an Pgh NPA sb Combe, SWORSTBANKS 0) | 5BESTBANKS = ‘eriveaptitethyeteckinaiscapel —thequartim withdswnley ep ors deqaseyrtiedatiy Alon CARSag- Mos realy depts oPAPC a Nowuonsurethet your ans proviiethlsscoaro Toissurban canbe ory gcaeragerio a ecntapon soeisioran aan tithes wetsnsapweviskn senna xd tnonetonk While th eran esc chances reson ofSapRal A mvortasit Banicfaed over two years of uncertainty lneexpsedtobankingcwing hepal Thal, te Depost Insurance Ingttheeidiyrisk Banks disthave deposits lakh per drial yebank ‘nought cub Depostorsean wirav ands pote "Powatherinancialsressbanksalso ng ankuinee moratoria Aecodng neclahighliguidiserneraratiatis lomnerninetdaa thislinteores thetinaeilehnt ow preteeteabane oat. ceepont asses However, fromanimpenting meres Almere! Imeaketorms teins soe sccottenvingoaccoun(CASAVewto A exparcugectakingcome zandardpre tieresacas a Soe ct ete ‘ofan ‘avingsar daestsecrossolpi teks sen ‘oavestacinge lide onenifene Touangluenrnines tnaybeevediog faagingeny sor arndunceoperat ve Mentnstotresptlansbosunka, allt depostever by usingerent ‘phasing male FDsinjremare sithyoorspase rehire yowcanest ‘aldo ook ectoroat otive.0 Aovsehldsapeenswinabenkeod individ Schauser ‘tposrsaivniy outlets beng ‘Peon mings puke ‘anksincadngeslfinonos banked Shapestivonanke Theva orering ‘Sale temiesmay have has versfia ‘eta warm Shsty Ssh Maher smaller banks, imittne amount tonet tanta te return Depostesstoalcbenetehtlette trthe bank” warnsSinah, Alsat Erector iy mageria porennatt ‘Aro soereglaton nosed RB ‘the bank would urauetionaly se Hajra"icurbaieeoeroas nn sat Agere Take a safety-first approach Many done aks be gone belo fuhartesnevetradionaly beaver? Uisbrather eomestotherescuetheretail” sexes unlikely. Aral. tepoatereenaselalimba Aseria alwapeaficatine sas ak, Smaller banks ee este are offering tempting FD rates liner to {imal ane C9308 fieuiity romeHealthy industry dynamics to drive AMC stocks Despite the regulatory overhang, stacks of mutual fund houses appear attractive with compelling valuations. by Sameer Bhardwaj Ferovel ot L06tactensitar dbus sntayeattaeriextanrtie sc rgest four ABIC sticks HDEC Nippon, Urlane dais euarede the My wh salonionstrctienarloespct Shoalgerpsrtsmonetoecomine vars ‘neverueand ehaleatrstom tntneattCseremndtetce teeter escent rowenta bch sts lekh cee tng {row atest aovomeatt feats sip “Talntlan AMCsoacelsmatreli wo aunts elias Consist thomas lnnger Sano damere CO Hoss, thar pocsonedhalinsseretvenset taker mayne marsha Impact of recent regulations etrunee bape aerocrsashars Fnearvateegyreieting tage sis THe FOURTH argos AUC wth an Bum ota 88 th crore ora merit 2023-Theconeany witnessed an over all improvement ines thane ‘uate support oy aj0n9 tre euty ALM ana ger retin for BN] HOLD de 13 my 2 The ey ronanols ttn oraany| incute ts compatve advantage" tra stale martet sare, mproved ial reach a iver sore of eaty ‘Sons, tog ret rarest aves ‘og dariovicn networ, toning mx 19F 890 markats and asstaed gh Hertel an juno in eperating cst stocks UTI Asset Management Co. > we | “THE COMPANY HAD amare! shave of Ee outhan ALM Br t224 ck corey inne vd quatre dt neq iy yi MM lesen be ae UT nowt aiievon enamel 2 #36908 sum base vacion pon proaat Hey jue inealy flows. stoner sk management an foto ci con xe theley pow drvrs fourth evar {Sag preven recat om Prabrudas Ui expets UT AM tose shart aa grontnincore increas vields Bre expected fo stable oho sequent baste Opera vera ena a0. conpelingvauaions ee hecompary Stoppickin AC sce. athe er HDFC Asset Management Co. Gn [ESTES Ba 1 2180 Susan erie Aditya Birla Sunlife AMC Ei See as ° ‘Metric anaes dain inr maine menage assets wenth £2.61 lah cre, Teregorted a weak third quarter defo rosie utfons Ine dx sere ‘igih routh in eit) semen fsndan cease ncperaine sparse Desai ts sang cversned Fae cancers regarding naity ret the egy are! sere oss ear tem, Te conceive ores rere apes BOF for ermal mate she tains wil onue rena hod ‘wi the tok, my Het ti ade |g 4 2 “THE THIRD LARGEST AC Haye ni Eratntot e439 bktvercte sd 11 rat tres expected to benefit rom Strong band equty anda wel ewverstied Feist capaoiives to sprat ernines sro infture Theuth he company's AUNT ronth vas muted post fe evar (er ey sabia of eet te wielp sport su gow The company srt cenit ase ‘Tedevekpmentstmodertels negative ‘The audasLallodhe repartbe ‘moferotons that ae ren pat fannytocaNCescerusetoancqalty Ms" Alcak Steuritnsroprtbalewo si Valens have improved, but ela nas wlcpetisveto wees ‘penseraoetsaleay stocks, Alte stoke arocutrertl ofc Inge daub cgnstareprice peal ing tod SP ntaws Neary 7740'S book AM I over 10 yar eure a era of beceber quater ich Cotes 9 State order bok nd restate os {Impending merger (HOFC anc KOFC Bani) Brectves In A space Pep te trpany to nrave hark shareproreaes |HCordertoEPFOon |ESairirca Endotroadtor Lat pension contribution #""".. Permission papers not needed to opt for higher pension. iat eee Tevntatuat Fund pa ae ‘Ste Te ho cones on tr, r insert und ra rte ne rea Toe ntrnatona Monetary Fund shan oereditsomonk forte ‘obaleconons ant week hie al her {Diayearandas nab adios ‘rovinntnnesne tna Investmentin realestate Inala ein Sezer ose SBibsestsarce menu eect 95008 NED ‘Sassen. ‘oretoney nthousng 88% of large cap funds lagged index in 2022 erode announced hat ‘shears sualleases {trouldtrmajoet Paros csperenoe that saaleasehasin seit overs Uiiginwectnen prea tae Meat eran o ial spat thereport,theS@PBSE nia ‘Gorrnmer Hendin gaioa bf ‘BSEsteaaSmaicep legePSA MONEY MYSTERIES Importance of planning to avoid useless panic A sound investment strategy will always shield you from random reactions and blind panic during inevitable changes, says Dhirendra Kumar. ‘cubed andathers nat [the panies ower nll ucha mine ‘donchangin omental fund eter ‘threat hae boon bt bg a apd Bareh Coaperaivey he Lack offorethought leads to stone eer si flue seresasentucha wie nears," loanyoe bueceveucane crelitoresitin fats ne egret saeceebmdndiatinae. Sasarticaron ‘VaeResearch medaivedtesefguresby ef. soargnals andvwhet vil ake eon fimdswasnotalreadyartcfyourplan.there inthepest and almost by detain Willdo Simple Theywecethecneswhodidnot have toplanwhere yu wart invest. {nestnetvtegvareftn mores fans nancial psnsineern ane writhunforescenmarketevents Thislackof _wasrelatively low impact, bot there could be foroheugitieedstopans cucngthen to abggorehatge that docreqateachange ia sstinsbo Tavinenaln sin ipenebie That's ‘Ane veal. en souhave dane lanier nrderionvaeiacnin*“ingepcigtretioatrys COE ‘autor of lledracerinopets Pefinancial What are the role and rights of a nominee? While a nominee is only a custodian of one’s assets, choosing the right one can ensure that your legal heirs get their inheritance rightly and on time. by Namrata Dadwal ‘motialamoantoranlaiedapone (RB by yldesecter barks want12 ‘eathce the gal heirs mitawarect the tus nen puinetortem nationale ‘monary allman lose sles mayhove tosmaertae on Sepertey roach ae Nominee versus legal heir {is tanered othe eal en They are aterotases Tepersnallewsopleabetothedkcrssed, — wsharethspranedsaccordinay this ove lho te ade earstto_welloeleea beri hetero fiancielintictionanadistrbuesitto _avodeachhadeni'sbesfynameal? How to pick the right nominee for your financial assets z nyo nin pete" [eee aia sankacconts | Steer | Aron. inane ore” | ganacntrer SSuamrantesrevena | Datetocacinonee Con | [yh Ror eniyone fae youcancomiete te strings |e Tree pepe este Sore ond retry aaruy | Mtb eal by rove —|snge | tea thea schnainess Fe re Enoloyee util pore Proven [sme |onyataniymomoer | twain enc namiens Bina Bre Nextotin ane bevabiey tence excwagoter eta Pees re nominees ony the castle for thea es he arin may becoe the absolut owner the mice roverealnternams ‘Bailes severeaintel mane ‘Te noringe ort acartaer fe ast Myouveminate anon fay menber Roreunsremnee ominees orf accounts Fs and Aorttne same on tapes doesnot have fay, (Geyer tumane nyonscr even on Instonothe soertor ml eet inher nar “seagate ‘onsdardasenownes"sya¥sha Oe eels afer getinganasse ad tere thercomban Hover others In ‘steeone the bee thenoninc eld ‘Who to appoint nominee? “idingéetiednfrmotion eat scr Ierptardin Heweverever financial ‘iit othe noire. Fontana the ployee Previden Fund Great “ital ung nett soucaneven ‘oninstthesontra sndetats gover financial ivi MRO ELC 4 Pesce @O__. CHANGE IN MARITAL Nowadays, your digital footprint and assets STATUS an be as precious as your financial ones Pe MLEAUt en es meTet ‘These include all your virtual belongings ~ ‘vorced you shout chance the domain names, e-wallets, digital currency, nominee meds to make social media and email accounts, photographs, sure thatthe proces po fo we inended foro hat he cussion is someone yeu trust {i pass on your inertance ote conaed, peso. ‘ BIRTH OF CHILDREN For certain long-term invest ABN, sent, t ey be hetpl to name your children as nominees and ‘appoint a reliable guardian as well as name them as legal heirs in your Wil This will ensure a smoother transition ‘of your assets without the hassle of any blogs, cloud storage, ete. Here's what some social media platforms require you to do to pass on your digital assets, Facebook “oucan rominae someone under menorialiaton set Uae, nhse te romnates contact can manage and vew theoreti avlase in thepae od ree an tloze Be account, ‘Twitter and Linkedin Bath these platforms donot alow tne account o be Iemotaisee,s09elative or red wil have 0 subnita ete fete ane with re dest certicate of te user fo dle theaccour. DEATH OF THE NOMINEE CASES HOPADEE TETRA Google and YouTube 8 legal owner. the nomination twill be automatically cancel. So, you should immediately Update the nomination. there are mutiple ‘omninees and one nominee is deceased at the te of death claim settlement the said ‘ominee’s share will be distributed equally among the surviving nominees. KEEP IN MIND ‘Always infor te pominee when ‘you selec them and share wien ham tne etal ofthe mvestont Sthat they can fake on tel flies an submit clams time Aso, eure tal yourave peices tara may get rejected ‘Powerat attorney her introhcedin2nisAecoinetotis leader ca name te spec pa laresetherceceds payable by thei Ser Homevorftaomomuncee dierent reral raw peal thenomnee filo beconldredasacustodat. ‘ptoatotl ef yout mention ‘operentge saat, etaasetamoet ion regarding te rine, Sue a date oF ir and PAN where necessary, ‘Ay arly member or represent ve can reach oto Gotgle to ose the accour. access dstax Gam fonds ‘Are roving the death catia and comeleting 3 ew Forres, Conse may rears unde ad prov ecass tothe clamant se wel aslet em coz the seco Hon verti is done ona case o-ase bess Microsoft cream aloes 3 newt of kn to acess te ata ofthe Aeceesed ater completing an auetcaton proces, Ut Feauires the acento be ses ae that. There isn aw in na to bequeath ctl as: {ets and none ofthe Sucesion acts meton It ito. However ir you fave any su se Ut you Wok ke to protec of ass ont some One You can unite an normal éoament Ising Sour wise or ow so gal asses should be aisribited or hard ater yo cemise Facjitauet emineecen be nan county asyournominee. Thisishey fiseet natin, “Toensure astwothtrans cardinstefndinlnnstetrethoprosseds fanbetrarseredinthaiame’ ajo) Limitations of a nominee nimostmenttetre tleck mpeg. “reper witha aeons ceo Stele anesatelannin dita la ‘itherby the mses te eel isthe thatthe ase date nemave boss topropatod thes ntleasneeopanst “Thechilwlhavetreeyearstocha lense deiontaon by thesuarantaxation deduction — for donations Find out how you can save tax by donating to eligible institutions under Section 806. : >byTarun Kumar an claim’ scredfunds inatttonsor exocl How much can be lame LOTUS ST TTS acri vscriteurenmantint setgbiefor | toiiatmator | shumucinaas | mimcueninencingrci os rte anes it Dieeuramones | ipomarnpotsartss | ingimiveryewemeton wees Teitawpitwewctivaweny | LDunueeieaertee |‘ eewirergorere | fw aera wee | ‘lla hsee hemline kanal Tabwilhapecwrniante | Seeieaenensrne | eetamienciost | sander esceres | “tyomasimmasutaloesiounder Tomaiberammmtiom — | « lesseorasoet “ices ese eiciemetamnie | tiemtswnwete | | ecivnaarey |*emeememme | Eueraanttctane ae staedodcton Ih nda Freche Fa cmmMenerat | ae pacettrreparsor | Stoors7sot ince, youcanelsina eee Taivaniagcaton | , ston) ‘ectencte ator oe Fre erento ane intuesececs Inerromcenctorsass | * SATNt Ot ‘hedontns ‘iusted rasta neome( atonal rst Weare | aes tat erations mace | for trata ore SUnSREnn | caanaiew, | Sitetacca™ | faeeaces | Wedel doratee ‘Scoestonanctatle fev olre Yea cuma detent eons memes Mono etaniaiv | « Naycopartensecnce | atineoher cau sir ‘Adures cris becompuresater | Srsem partion | Smt rounsatonwitro | * Retanioaeam ier | moles Cashdonlimsenceeding 2000 ‘raducing the folowing from your GTE ‘eancargsrund nacve- | IEE deaf force | roma ners of fronotelgilefordeducton Donations mamannidainesecontee | “let prsaned/ cy | Sandestin S477 Rranycarmny | | masikngreneistiee den reef tin eran of Gfovganse "| ters anaretes4oot || * sinerertmeousen' | Proof to claim a deduction Tereonselsibicforreotew st Natirel tess sss: | 2023 NW notbe ciate | daingwitnandsatsty- | Toclaimataxdeduction.apersn mist Long,teem capital gains ‘ace Fung —. ing the need for housing ‘donate tos fand or institution that meets Setemapateiardngton | ehaiaetett rs | gy Xeorectonerte | thease niece securities specified uni mM ‘sion Counc ar State Se ‘the purpose of panning, Act. One condition is that the recipient Apinnkredioteserza, | _ Sone antmen cau | 300% eccometerimme | alacant wither Dandiasp | # Funesetuptyasae‘or | Subject to limi meni ofcties owns” | erementandprvidethe donor whe meme |" medalree tothe seer | « Fray Piarirgassooa | viagmor it dbrarimentondproidethdenorwithe Rivorteuura raed” | ° tonotindajesdcas | © Ayatier urd or any a eee ere FingtorYehberecn- | _ Sekt ona. ‘mvaon urine Fueana gpieton | « Governor aman | condirs svete in Native rasstontr |" proved aurey | | Seen 0c) donations F000 NCOs ne ‘ibloara0% aaduetin set 3 aserience osapartedeductientobe SleimedwannniingIT8 Toododvetan Stahawecaimedoedadinsrer sian | Smet army inatubner eancaton | * Ott: ae | lid ly hefner naite Swmensermasie | ‘brut tarpanst |” tore contens roviey UnderSectoCandearnedahartiens | * RATHER ts Pawteec tenes | Sontthelncamedsn keartnen taainoteiiannsrmstessieot | rea abieCoiby- | « haan diane Rca, | Deed Coren THEATER ca coaaTE cea AS ‘ctv chaces. fons nd ron Conortoanyoner rt | mete ret ion nDoronesr mace e tere Tocleuastienaxinananoant | y Gieatbqunerset | fedasocatenerinar_| Eontecepvesit | ‘ore atiettewnes Seth yours he uahose Conerutiacsinnes | atte tinectnakre firsomputyeuradurtdwrosetal ( gnuhesyoreice | frihecevecprent se | doctan Tene secran eae Tofinancial (jainiing rac) Charging friends for professional services Resolve the financial dilemma of whether you should charge your friends for providing professional services to them, says Riju Mehta, W ‘rinisbiisabens _Letusconsiderthestatinrommbath —_nottakingadvontasef our ara inet moneyscosteanunnesssnrvrift takopaymentornasThedeksonvil.of reset yaseannoaltart tere ren atweencioseandallmeening eure cependonseurownapaileRt- servic bl tsseviesarerore rend money, wn one sod ce secayaingnt carters boanercaarmnndsenistnsnd “Anoiheressonierabreskinesod __aleulyourrassomipayteatachauleselfoohimer takin hor granted Foritance.thourtiendisanakew —ahptleriarebeoreaskinee parent, ken theeherhand hehasheens Srustandvoumneaweodnstincion ‘theydonathavecoantonxranto vary gl endor ako aa CSruingunleketrigutoryeutosskher churyeriteyarenfericy cash afer ertanjuahavebtpedfimeaiy and teorevdeherservcestesouendyour— adlcauntonthe sever behets several ies linet reir Shthocksni?Orwilshekelesendstt —foryourstefesnnal Coalelaoe webateveuant denned rom Congemsationtengoofend*Hereare beeninahilofvaifinalal needs, emaracstine, itoweceertcnctcunace Thisisteauseyoumayer maynotte se ee Seay ithout awill. Now my brother says Ihave no right over his self acquired property. Can I stake a claim to this property? a her spropertynasseleecquinstan edie nestle wht, yo, aaa eal rave the ove hls property ou th oto Ped ee el eee eee eg Pecans Perera! ae jovofsippertingyoarparentsand help- | andtakeber iniocontiience about aur | Yesasperthe Constitution, you, senna ag ore oar eae eg eee peace | emecste eaecad elon peter oeredl eee eae nea eee era ee Sfeveioe | Saeceeens | Soweeceeeee | Stoker Bovtmysoendne.twanttoknen | rmentaDesendinsentheronerson | ghorceme-butthaverefesedtodaso. | ssvntsuSharnsn cans masseomnaton sa romine cal els (he ascent ‘ears sree to not depute tn proces, tere snes bea probe. financial (°); Of=== ieee eter ‘atest irae? proteingthe eer ers raltheniaftrenstiitinearesoneot elise betes wenaverspenedypestedeat inte ‘ohn Paventscantdeniyasstthat are Sint ive reiteaonot reetiereath, teams Eeoredeifdeed. Os anddeationscaneleo bresexcotainwyen amis setlementscan owes Itkmeduring hel teat e ikyasan NoCsigned alter thedeath ‘htetlor Homeve ean mae Kees Mervendscon wile brodendarae anighinoone every iingtosigntasesed Gift assets to heirs in lifetime There is no will, registration, probate or fees if gifts are made during one's lifetime, says Uma Shashikant. futthecomplcatens ethane sullemalnsanuseal set tot While svouseandhiser er rights Ssktsane "it wealth is arntcaby abate Taslater do disputes arse We haven ether incomestoe Frartstodonntan avwfemosn (emt yeti oly Changes inti artotMnkaben siento nha they have eedfinancial (: naling Funding higher education when there's no corpus Opting for an education loan is better than withdrawing from savings. After the untimely dethother hasan Sica hasbeen leuingcnpevingher S tro cangnte ithe estan pos cMhecothatteyeanbocmefnancaly = InependontShvetasasonirenecatve limited sings, parrot comp needasener the nancnipoton teem svannuolsingsintsPEOncerher raat iealcollege,butrequiresafundingofars ist Rect mcr Nemec doesnotknowhowtatundthisepense. Suaimuteematans, ara : Stoullshewthdraw omberPrertake sragcnicratame’ sulci longer use! How wilpoe—Serhremnee actions affect her future as wellas any "Thebans Shwets tionally a take hecbietie ‘eclucational requirements of her second womureniceticleanwhich reeling er dies danghter in theceming years? SN am Cre Gt Treebends ings to consider while {aking term insurance penuneges‘erstea pas etre creado IRemarepersontecrrse ier are were sr tae toudton sahantesine et toner ce faye) Siemon br tease yer thie ets Fe pean mre tere the re) Adt-on riders tachoose fom ante recovers speek Fr Proposal form Aowaysarovide cate ss nbsier you ae a stoke; have 3 ‘oor heat save have uncreahe facts while pursing the poly. = ‘Choosing the insurer tons arene ‘vor slogan as Sen Gernsctionen rate Inform family members The seed stood infor ts ay meer tdlcion ct here par + Points tonote Dont ed yee terdyoemunierohohtravel —™%, State Secrets: Maharashtra If, instead of foreign holidays, you prefer to travel within India, here's a series to help you plan the best vacations in each of the 28 states and 8 Union Territories. We highlight tourist attractions, culinary choices, modes of travel, and the costs involved. 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J rh 3722 2009 >) aI ANAS >) ET WEALTH TOP! 50 STOCKS ~~~ Every week we put about 3,000 stocks through four key filters and rate them on a mix of factors, The end result Of this is the listing of the top 50 stocks based on the composite rating to help ease your fortune hunt. ne eaeeee ee rere en Z “ zen QD) Festgrowingstodss sae 25 traes S159 70e 1008 134 412038 100 os) 25 aan Top Stock with the Righest PBL 43 ‘11585 1614 614 1968 168 473 O18 143 07] 1S posers a ee CS eee) ndusing Bark 5 4 4209303499 EIB 1245-160 079 035 La? 78 SAT rans ee eee ee ee ee oe | sqaoyes 33 mu asst ioe mae 178 too em ue a — we wo ass 329 ey maw az so os La cas aa onic scmimevase 12 eeies anaes B30 a6 cs) os ssn 6 @) peastexpensivestodss xe ue yess 8a sp 239 420 om 16s 18840 SOTaeas aE BEST oy une is tase 2600 4az0/ ai Jesiilfoae|ie7aaea aa!) «=| preeawnmesreue ox Boy an ses 087 660 0s) 109 01” is «ote EES rtatiysLartrls 1719 dasne0 a Bajaj Auto 18 18 476635 2011 415 327 059 10D O21 St 402 “ arutenerons 1960S 3720 wn 6 18 0% 1p ie 2 0 Sononceanis 235 SECO 3150 224286 000 054 1 oa ts am | ns ° B sse0 2598 3198 781 31t 090 085 036 38 456 Best PEGs Coomarcelmteratorsl 25-2 Tas ND ava 428 129 050 13 ome Ast Pisps eeeseees ees sa Bs oe iat = as ree earnings to growth ratio relanenasre: ae 3? dass 3735 wot 20 0M 077 Lon oy 408 a ea Tren Paces 2739 TE7TSS aks Got 9e0 16t O88 om) oss a ass © imairiosrcire 282826652737 20) 126 047 008 219 128 1 4 lela. 29 31 seuss a7 m9) S85 087 057 102 07m 422 conta M36 mass S842 QoL 3221336 077125 0% 38 aab ay ote caeanc RoR wim pie 77071 099 O31 16s ina a ae © income generators toc with he gest Eevmmcetetmedes 35-33 SESS 3689 SKIS As 0M OL ow 2 itn coin 2 OSS mas 8a 254s Ost O08 OS) Ald iin Abate Me) Menish 49577152 a6 750025 M115 07) m8 a5, OS veinateneere 39-36) HED 24D AL DLO OM 1 Su St free i sae Boe eae sas me aan aes tao oat tis ioe asa) DS sees wit tnetowest amaniseiite Sm ol aie 0s) ea Las ok m3 meio Se or 4 GMS MOL aoe G46 242 OM 04th Moma ome Stoel tone ev © ms uo ve mes soo cr i im 1 1 aasmart 6815 ETW FUNDS 100 ‘BEST FUNDS TO BUILD YOUR PORTFOLIO ET Wealth collaborates with Value Researen to identity the top-performing funds across categories. Equity funds and equity-oriented hybrid funds are ranked on 3-year returns while debt-oriented hybrid and income funds are ranked on 1-year returns. ourrvstance co eour-uancee Moca? eure moc ‘ourrv:swautcar ‘our: vawur ono roumnss LAGGARDS & LEADERS ‘Taking ong se ft turns, ner {hnesin each estegory tive lacrs orn meng {iveaerards tay ben race Yor Por Equity: Large-ap secure sor nn a a cnet ee me eer ‘avin meaecnnoniewe Equity: Flexi-cap syearwsrn so i aaa 703 a7 Equity: Mid-¢€p >yearwum nae 3023 ne 3e88 255 DetueGry 3059 2556 3568 2579 3847 unebapery "yen Quahiueorie Equity: Small-¢ap system a 2 A668 22 4525 sa ‘aas5, 30 4383 reson HOH SmalCEFnd Hybrid: Aggressive syarnne 527 vs Noanintent aire) arene 332 ra84 ol 190 60 i 160 sayatrose icuaty | eres menattantiantn 600 1128 cagpesive yee anacetgpeve ionETW FUNDS 100 von: ACeRSSSVE OUTY RIES) isnot a your ung ners it 3-year smart Sais te Top § equity schemes based mn 10-year SIP returns m6 danreicsen i 0 TopSMIPS Top 5 MiP schemes based on p returns, 3 Saha bresaUve tases Ierchrcdextins E Siconenaienhe ‘Mid & Small Cap: Exposure of Flexi cap funds Metoaotoey EQUITIES etn rein ec es asia mein consi. “erpaoing crt sense feeder ity soe ee FUND RAISER © dett:towduration 756,884 CRORE ‘asthe net outiow eas Sedat fu fs Hey iil, Sate Bier Site te {om ab frist Strate BB" Rad March 2023 the highest = since September 2022 ‘sasonsimatoinnsloans and @i@pasitts LOANS & DEPOSITS ET WEALTH collaborates with ETIG to provide a comprehensive ready reckoner of loans and fixed-income instruments. Don’t miss the information on investments for senior citizens and a simplified EMI calculator. Top five bank FDs tae we erin oh ta —_ 7h tee fait ie ton ‘eral recone ton mek io tae Top five senior citizen bank FDs Ere os nam ict ak ae ‘ira sn cone pry maar 2S asm Top five tax-saving bank FDs —<&» HOME LOAN RATES \With effect from october 2019, al! banks have made the transition to external benchmarks for pricing new ome loans. Mast banks have plete lop ate he exter benim Qe Trai ark cok Banker Nanas Union Bai of tin Pani atonal ork Banko india Panjab sian 1 bank solTerm on Dhan Bank cess Your EMI for a loan of 1 lakh 0 was 60 a5 a0 ans 295 os 938 975 275, 1030 1020 1050 as 4070 265 1000 295 ‘an 375 as 1030 am 3080 475100 am 845 ass ans as 85 ais 865 905 1nso 975 895 Net en 3512023 ‘Fe 2023 31¥e92003 ‘9Fe9 2023 Noten Mae 2023 ‘Fe 2023 Noten s5Fe02023 asreo207 s2feo207 a» 1.300 161 8 7 07 a 2028 123 356 6 mm S gee ees aD aus 1am 107s, 5 309, =—ALTERNATIVE INVESTMENT RETURNS MONITOR ‘The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. But don’t compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different. Gold (995) (2) Silver (2) Platinum ($/troy ounce) WTI Crude ($/barrel) reat eee ee soko | [~ Bardon ee Betis reiaes ‘CHANGE wee 0.42% swe8 2.30% wesw 2.22% swex 3.17% ean 14.39% ean 9.45% vrean 4A2% sven -20,13% ‘weekly snapshot of this mast volatile and uncertain type of stock investing, PENNY STOCKS UPDATE —~ ~ reine ste experts not aaes recommend ivesng sv st BU se the al Taativey lon cot ot fvestmert strats some investors penny soc, we provide — Top price gail Top volume gainers mance tchonees 082 ost ‘ses Lecreleningrn, ast age ats” es [ats] ae ermal °70 os (ee Eaten teas tia) 7a gemain| S868 wemaranres 383 tse i Natoussuegom a7 ‘sve tz 10 naam] test retleceance 367 a1 2382 MeroyOwetere ake 21 29% Ott, 6135 Noreen incre P 288 m7 yrs uroweinen 522-812 208 trams 95 Corr ch is i: ‘ret Wutandastis tat 180 ats tat | tm] teat Gpontiews 107 a7? 2564 Fenlseomes a7) ow Saas [lrmn| sao Top price losers Top volume losers Orchesp 297495 32 a6 ufentevedeatfie 37014550 BBR 159 Ninaariacomerton 132223 eras son so har ase as jaaza| Gernieveten 79018 in an Wdriopacs 12 ua ate ae | aan Otte i ie tats Mneotietoort, 132-2222)Topping the performance charts ET Wealth collaborates with Value Research to analyse top mutual funds. We examine the key fundamentals of the fund, its portfolio and performance to help you make an informed investment decision. HOW THE FUND HAS PERFORMED Point-to-point returns (%) ‘The fune has sharply outperformed sen an @ index and peers over the past year. Rolling returns (%) ‘eeant ovtperformance across time Trammes. @ The funds longterm track record indictes WHERE THE FUND INVESTS Portfolio asset Fond allocation style box © @ Me tend s current fry balanced between large caps and mid'smal cans ‘Thisfundtransoned from alree ap Peciinenserea Pret nerrec ener ey Brahe iar peeve rare tetera TUS 231 MARCH 1999, cour Lance & wiocar <3,798 crore NIFTY LARGE Midcap 250, TOTAL RETURN INDER Tl cos 35162 yso99 schemes and their {oreaewe selclosnaistpsoondex asaya mrsrinbitewina ced ggg Suitability with regard to fenwseenamy isemryer Soureneaaate {erties ncn a the goals and, if trersemivorte | Horcndwner so sazssn0 poo ‘anwar nme 9m Fequired, recommends © otrerent ac 45 85 Det nai 95428 15000 wndstsioevenractonwces rn ootd, © corrective measures. The Sem nbeourbut Ache aBteen re advice given is based on orematie'rse | \cimuussuntiotauty 24042 0 Hnuteuttrctr bento © theperformance of the NiponiniaTersaver aasooe 0 fu hreteyzwtolcorscetses funds, the risk profile of Nate from ee aise sg tinsgminnttechrmacom stein the Investor as well as * snettcorrtetereon his financial goals. esetaattncsae —) ospraxsaver 97361 0 hasrcsmnnstrnsingten ° vertinichones—P setpaaret average P5511 0 Tyrer ore ua te ret ° EEE eeceanyne | cetera arises 0 fetanainincatotpisineie 3 Iyer irdecarse Grsi | eehesscreter chs Eauty Whine Marsereseoe —g ermine | onan zaseso 0 hfe rt auction forall wae ts | DittStockinvesments 176,000 GS Hee ° SeSies eee ardreoamrecatiest | 5 stan | snoe Setree Reimers | pay a ike wrennayee Ccritecninareo vemos 8 Sty, fe rexcerskunengea! | videtFundanPPr 097474 12000 Sony cares ae 0 RETURNS ismersothatas | L severeanGossonis 14590 nese tart toate © Baul tunes “Debtontons irri he tet, rom EERE cesses EE , Switch out of underperforming schemes Agi, Dinesh Chaturvedi is saving e PORTFOLIO Sintecarcur for his chile’s education and] emasepucamiox: 10,725 rears CHECK-UP, iene marriage. Here's what the Fa RESET CosT:2201ain PRESENTCOST:F2O1OKM— iryactnginenuty doctor hes advised Ey rumusecosresua7ian — eururecoseeeaazian — nnttaae? Sane vers - fatter Tous Se FORHELP [AMDTSLERi tar ee aera NUE tyne, © Poagrerin resco ey ae) ee pect Sree | op iotany wnt me Scant, Keane Eee roa pu becne terme tom SESE gsc een AE gto sein sant eT ee acen co te coe (aTMOP. Readers’ response, online and in print, to 5 T Wealth stories has been enlightening. We pick some that add information and perspective to our articles from previous issues. Challenges of wes = switching plans mgalthee HOW 7 ‘etekonciwtan anne SWITCH You Tineraeree | BGEETATY ie Snel canbe uselulfone Pere dents dnepraem tet Staecfsisakabeteniormaonss canner gurposeessopesthecoar RSA bimasevee ==q, Premium housing hub in Noida Pfegmsyey me Dadri Road has several premium residential societies and is close to Key employment zones. © LOCALITY SNAPSHOT sa ovome DADRI MAIN ROAD, NOIDA ‘© Dadi Main Road, which connects Noida to Dad, boasts sound social and physical infrastructure ‘ itenjoys road connectivity via Noida- Greater Noida Expy and metro commectvity via Blue, Aua and Magenta tines (The stretch otters independent houses, plots and muitstorey apartments in mid to premium range. «© Key employment huts (within Tar): Noida SEZ, Sector 127 2OHK 3BHK >3.HK ‘© Hospitals: Yatharth | Education: Amity 8a Bhar | Real: GIP, DL Mall of india an Loan Camere By budget) ‘sector 46 ree soonsco ret ont 26000-4000 a Sector 48 ‘Sector 307 re ei 7900 few on 00062000 ron ie