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    23 views25 pages

    ET-Wealth 26-06 - 230626 - 084245

    Uploaded by

    Ajay Ahire

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    © All Rights Reserved
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    7 Econ 1 aS WHEN TO oe THE Economic TIMES ‘Rebve youre | HOME LOAN | BURDEN P14 | i Scale new heights with 100-day to 270-day Fixed Deposits ‘COMPANIES © Find out about the strategy and preparation you need to join the best workplaces. Dizrateimanagsingejobinthese ope as "agrees Chandigarh ase Sanees Sansa ao lanedaob with Deatelat WHAT DO THE TOP COMPANIES WANT? Toteviseagvodsiratey froiingatop ‘orkplees,esinpoeatounesan Besesserkingagonditintermst stl ey mane anda eaignnet ‘veh, ‘etaroualatutes. suchas ood com unicalon cil beings tam plage bideaseeredustnentadafapatonto Aatshomsthet aban oteeres| bring wheslbal tis nis nen sndalsodperon tery arin ‘shes amidevelempnycor senior "sino qalifenton annette Inula dat dee. teingscton oriented an erustorts Partner Supper. in amazon eenme Enploent opr or BN sth wevicoxperionce that Feoplewtohsre hada simllarespernce thie deltwithainar pees Tes" saysPooja singh, Assent ier Enterprise basblemetHdsL.arecent Prefer second tillers orl $remere dusting wing oalae IS THE STRATEGY DIFFERENT FOR TOP COMPANIES? tan Fore the proceso tethasmaletirm, where tbe durations “SrTerearemreraudsofinerviers andrei divert fier viewers he Chakesert Career Come, Nord Proc) Ce Educational) Drofessional ‘qualification & institute ‘ork experience ory Sanjeev Bansal, 33, Chandigarh Deputy Manager, Deloitte Working since: 2022 Past work experience: 7 years Qualification: Mech, UPES, Dehradun ST FRG > sce ance (Applied for job through Deloitte website Active tong term networking on Linkedin ‘connect with prominent people inthe field {Found a senior connection in Deloitte — ( \_5 shortlisted and calle for interview. Interviews with manager, partner, oe) \—_5,__ process took 3-4 months: A= the job! Presta Setar cover Leverage Linkedin to land a job pismo met Among the top professional networking websites it helps facilitate research, Remcetnpenrt an tsniereret esteblishing contacts, upskiling and getting jobs. Here's hw you too can doi ‘Anwerditrenioririemect ape aeng ya AT a teense daring resi sta. plo thissereeninsmethed ert sndoomnltneat with hichan epee Thiswotd ale pres dete HOW TO GET INTO THE TOP COMPANIES “itvmarestresbo sorbestensnce tethollegeeampes "he bik ores ‘Seton pins igen reno komt thes companies Schemes sschakewar Networking, company portals & placement agencies: Astor m-ant Giriraj Katoch, 35, Hyderabad nord oftouth information sou! Associate Manager Accenture oeemnamenaeee Working since: 2015 sa-year-old Bansal, who applied throngh pastor epee? yeas ee "hn in Delt ash rar hisene ‘Aree Sgn “Tac eary lage hres aro SEE amps ines, wea te enor oe IX} > sensations ocinsiosnas meta Networking works bes: vost compo ‘Applied to company through a referral. taloctencbee yore ‘Qualification: BE, Pune University Caled for interview ‘sorted beomse peopl ave poached Interview with HR staff, onsite tech sen deranrmidandsenar ees ie heal interaction, manager sglcanishaveot,ndthechane= Process took E2 mens Slnietn eps ne Peas sedate Got the job! ‘wasareferral thathelpod him gota foot Takin Accenture eg servaga Thoda ‘shoreored myname an oreardede cover Siar Agee ae Ricci Here are the things to keep in mind if you apply through the company’s portal ora placement firm, WHAT TO Di WHAT NOT TODO ameccunreetm ECAR ‘ort contain keywords matching the ib title and © oe ‘This sa deal breaker, Do not exaggerate or Pica aati pesrarerirarres ‘te aa su request a avertsed by re ic employer estat be vers an you Wil errgany the post advertised sor Exeetve Berejctea ‘Soliant ith ood conmunteton and oem - fr sl, se these enact words in your resume, [Use universal terminology A > Er Stearn deo, tego te oes ‘Ms otslete since te company snot ‘pec oyeu comet omtay orice Imeretedin nt ease aera ee if the advertised job tte is ‘Product Design | alli = pared se acento 1 elan St ventagh ee oe Surah el fale Greco ese ene ‘While escbine your sts. use ation verbs rd acive votes Ralighina aciovements. ‘Aso cua your acieverents where pos Sib sie res and fiaues So stead of ‘Syn, te cam ade enabed suagetng se (eat reduction sete To wit As ear ‘fe member team Rebed sash cost by SOE Use just 3-4 sentences atthe on explain wy ‘You aretha ie ft othe ob ping Your ‘ey hls tat math the Jo request EI ‘Donat start ith education and experienc. Feces vou key sels ane exhevements {hatare oath forte role ra com " reeurements. © © Personal information ‘There sno peed once personal eas © Beithottes, interests ress, amar oF Cons Daxng yor ft nerface withthe computer ra peso ine coer erences ee ot equied Prove ater if sted Src the esue il eventually move from comptes to 2 person feasts part Use Spe an ‘sign wh navel ad easy on eee resimeintheHRswstteasearcld ——efthecompany {CODITthatcansummarisethestat: _ Somakesure tos thersevandat ‘eaputerensinee ‘Todoths soucanscourtcompany _epanaededtoereue your deamon” equstedaywordsthntaeanenactcopy ot ‘ReferisertheRistlnyerefdsts. weit jintheLinedincommany. oe explains Anand ereCstanforcom hejebanale sein otha yo ae bscethstromitersendapssnsbecnase sor osconsarrmeanseaiknsts panvresearhintokswerKingaples. —_sennnontnbs hori oeh nor meansdsringwineknownpersacom- Mecurrenandimerempoyeesinche es, endfingpeopeinsourneewark ‘Thecompanes push hesedeseipelns pecltoscomplceyninowncenliony” erpanbetin Gralumnivtomnytewerkingthere:O _ sothatthecadidues wh kesh Spesharma, feobtiningtheskllsindomani Moe ioboxscanbemened othe net kv Use Linkedin: whee yousronet _malntalningauenietyandintget-a Aboreeberto kee ourresuest Research: Whethersosveaotasiotst workingorenarenina at Tost frtanrnsintnt tote vienna frwatingand concise plying through netvorsingcranad facliatingcommantesisLinkedin”dawsllsandaspratienswitncatof&e formation hathshlgts sour cores Findoat bouts latest projects prob> _erplyees ofthese companies andgee donot petthobintefistatenpe ‘boreal. make suetha ten fenlsandalzothe people who yonare™ form tonntwork,balldcontarte online RESUME Whilesubmitingsourresume rutin uringtheintervow andbace Hel towarewithorinervieweaby. andphystallybvatnding workshops toatepeompans. remamberthat Your” gromdeheeksandverifestion. Uhoinervewsasitvilrietneconly canhelpyeagetthelobs Onestould—‘ThistruckingsattarecaTs)isbuitio_ Irvlews:'This she most crucial Yeursiwortvaboutgetngajsbintat alvatebenctvorting whsthoronels Crow aut tbe resumes chad nolmateh stage ha requires etenale prepare Fotnulsergisitien tetalzyour Iodkingtoeaebornot™ sys Bsnaal _therle pastenandjobdereption i bcs twill domonstate thst Uilineneseottintotherleandaviron "Wehaveasimpeframewrkealind verted by the company ‘oud your bomowor, and wil give cover So ortafterjinng The therpeepe wold ‘tnkaaldrs inthe rary ify dow pt iran bout dase people enh cempany ste talkotbecar ontocformerereyesto understands ENA mua CY Don’t waste this opportunity to showcase your hard and soft skills. Research, research Crete esearch onthe company, ts Workeutre projects and probes, saat reflects your passin an shows wy Yeu can, tea prec fi he erganston, Know your interviewers Find out about interviewers, especialy the hing manage by atin former a cr teenies oH pean oat you Know the job description ‘You need to brush up your core sil at You can expan now you can contribute othe {Ge wy you are aod fi. and now you can ‘ennanc the teas sna Nhs perfomance. Use STAR format To ight your betavinwa sits. ce se ‘ifesutons tsk, con ther andres ‘ich ele resale es apo mone ciclenc. Aso se metrics where nose ‘Ask questions Dohave your awn sett guestions aout your spent role and sl implantation. ta Scat performance ees WHAT NOT TODO ‘Arrogant, Lack of Mumbling, Asking ‘too familiar research oor body ‘wrong Hfouratiuse Tiss thewert— Tanguage jestions berimwine — Jouandolo agree orate coreg or emue ys dert Sang eon bet veyanal you" ete PD yu, Sa ambined Ser Des ‘einen euvonarwin —(SpARES Se Sestsatetise —Thecompung yu) MEN MBRRg | wok har Maytecucat — tevervepoe, — aaaaTmcpeer ave see forracinthe” conve themint GSTENEERMY angeongay Enon Yeulseseosee: ols reeced ‘testonebesiytoask Maj. Prajakta Desai, 35, Mumbai Team Manager, Amazon Working sine: 2021 Past work experience: 1 years Uy) (ualction& Se Mumbai Unversity a Heard about a vacancy from her network Nini ye Got the job! a ‘Learn rom rejections Yum: nts Ups resis por aresnt en Company lint salary bikes ‘epesine empany it hetero {epi thetoy companies, ep up with thesklls that aren dead in thee ‘Sol that fers courses to upgrade these Aa MONEY MYSTERIES guest © How to choose good stocks and spouses The basic algorithm that works well both for stocks and life choices is that eliminating the bad makes it easier to pick the good, says Dhirendra Kumar. ina 'Thecenosensef achievement ® skate reat companosithe “hina this much puts you above the : roan tsa oh average investor or the vn. Those 7 Sonnet outa eb general market. witeetaone firs thingto de islssityhaconpaniases {hatNncretonedosnerotht Inf Instat hs ela is teva ‘moreotthestartng nesta universe Imica pts oustovethe avert investor slat Now dbtadthat ser inthos gree Avoid betting on micro caps These funds may offer higher returns compared to small-cap funds, but are also far more volatile. Pee We - 2 Scenomeeare bySanket Dhanorkar Limited market participation, analyst. u=siéuithoai I esiceinsnalicossotoees EQY@rage lead to mispricing This coud oer autszed reward or those investing in lero caps thre ocean tacurredby gina Th inextnd willbe theteestinoesthe= ‘ehepalesineamparson the itunes inde. On i Micro-cap segment offers outsized ins, but bigger drawdowns Ieisfar more velaie than even the small-cap segment g {oats bythnsmaleniniex Over financial | Don’t invest only in property Build several assets to diversify your portfolio and achieve multiple goals. Sonali,asingle mother, works ina bankand lives with her child and fe ther. Apart from the housethey are ‘currently living in, Sonali and her father have invested in two smaller houses. Itis easy forher to get aloan ‘rom the bank and the safety of prop: erty makes here! financially se cure. Though the valueof properties, has appreciated, the EMI payments areadrainon her salary. Also, Sonali isnot sure whether the gains inthe property willbe enough tosce Sinseshshacas neandasecur her through her retirement and pay none ate for her daughter's higher education, Shereckons that selling oneofher properties might help. Has she tak entheright decision? What arethe ‘things she needs to watch out for? Nm ty am, | Reece ag 0 opal oo Poor Cu cg ET ea Les Secure your tomorrow, today. PR ues enterprises of any scale & size ceed Peete cit) Cee ae T patents and certifications onli >| be i! Phone: 180-212-7377 | info@seqrite com | www seqrite-com Bet on companies that manage debt well The companies that have improved their debt repayment capability or have reduced their debt levels can be good picks as interest rates will continue to remain high. by Sameer Bhardwaj fects shows ra sodron nthe {or atocompnniesnerensed sharin sharpineteasointhecostofborromines Jenene banks WAL) The WALR ‘the Bo Capital report - "eto det anger anashorter) ce:sscompanisteschnetinnnca's) ‘fie Nity 20 nde stood ate al "027. Healtheare,teecommunications Debt requirement in 2023-24 apex invio2t dette Ps socom lhigherinaet ses ody lvesora Servic Toe bands TataMsorsare dein 2024 With en reining ahh, theta canter Suhisweree. Earnings outlook Interestrate outlook ena spies swhntand ‘Ginentheneseserm headin nt taeto ake companies tatimprevet a repestcn aly. Nebo teabity ofthe eompanytopay ts debe, ‘ear Such concornsare expected 10 Keep trough operating pontsee#B0TDA.Net fteceashowsin ea 2 mereconstert ttcatowecanitonsandhave decent Iystooverae. Alpreallig pee, ese beitroturnsovrthe nest 2 months. UPL is Eat ce srenrn ata 8 ou 33.6% {otal anslidated det oy aver 108 yo-y 2022-23, Trapt a mated perormerce nthe fourth quarter bf 2022-22 de fo a decine ne peso post aetent geochemical anc high-cost nventories ami increased SUpples from china Wie roporteaareverue growth ‘of 453, both EBA and PAT by 20% and 425, respect Oy Te maaan execs ie et. Doe tonear term nesaainds. he manager hs TRIVENI ENGINEERING ay HOw seu 5 o o THEINDUSTRIAL CONCLON 5ysteratixrepartsbullsh ERaTEresiced stot” one conoaty angersets Consolidate Gebtby a1 y- stone Bout n 2023-78 tryin 2022-23 treprted 35253 ane 7438 growth Inrevene ra vet rot respectively inthe eur fuater ena yoy bas, Whe he so pertormance {cos segments (ua ‘tier ra engineerin) fuel fevenve growth he tec nance cots oid SGeeromtsroncrone’ "Mereot eed ‘income supported the net ethanol volumes to grow at ro Coon Fee] otra ‘profit growth. (42.5% CAGR over the next fered ery) o Suoredrand ior two yessand ess ee 14.3: ethanol nana alities Inthe pone rarsmssion and ceence eget are expecta a suport its performance the tue. A fhe te improve in {ane aval eeas n ‘ane acreage an extensive {ane develorent acute: ‘are ot y the company ‘sa, capentyexparsion of titers, Srmauge pies ets and feas on B-eavy oases are ther poses revenue anne promis to ver 2022-23 7d 202495, stocks provided loner revenue guidance of 6-108 fr 2023-24 However new reduc eunches are expected a sooo Uo ng term growth. Ie compary planet meesee Is prosue tare hgh-margn produ rom the arent alot 288 t 50% by 2026-77 ‘bolt capital recat recasd arte fourth quarter ‘cults bush on UPL and beeves that wil contine to cuter ts peers, riven by new dierent 2a sstarable solos, plan fr saleup af vr GATEWAY DISTRIPARKS es oe 148 2 ‘ oo ‘oem sen poe et stl amt wy 00 uate rope snes rnc ieee oy eronth in revere nthe fourth cunt ded bythe fatbwsness However he cntier ret tts (FS ‘oles were dagee by he surrender of Puna Conuare G5. sustained deleveragng ied toa decinenneest. casks whieh supported 1968 07 growth nthe net prof ‘he congany mamtaned amare share of 178 NNR ang 31% ntushiana and wants to expan ita mote a Inte lad Crtinr Depots in arher a expects ‘oubledglt grant in ral volumes sed by 2am up Inept rer cube sackg fram ne ermal. Improved tlsaton anv andea services. 'A DAM Capa reporsulsh oni prsoeds as ew terminals aed DFC are expected ald marke share Bans. 7 areez2 mmeams (ceuay Osa ‘THE CONSTRUCTION COMPANY reciced it onal to {alaete by over 254 y-oyn 2022-25 Te revenue PAT of r4016 cere and e178 crore. respectively. wee 10.21% fa 99% ger han teavrage erates of alysis com Died by neters Refit had an arde beck 50200, {Gore at heen of 2022-23 compared 10 39.400 core 2021-22 During 2022-23, irecordes is highest ever order nity 500 ‘ty 500 | niw of €25000 crore. highest ever consolated revenue 12466 312466 | and Pa andthe lowest eb in the past 15 yeors states ‘riven Erwnewing | Centrum Broking report. dvesiiederder book. strana ‘executlon track recor, higher government spending own EEZETY | tothe general elections healtry balance sheet and receding Inout costs augur well for NC Khas quiged 20% rout in same x02 aoaneasas | bothrevenve and one book for 2023-28 rm 022 sone 303 FORTIS HEALTHCARE ‘THE HEALTHCARE PROVIDER managed io reduce ts ‘ett by 26% yoy n 2022-73 reported 9.2% yy wont in revrue nthe fourth are, suppres by ast bsiess at wes ter helped by nreased ‘ecpances ane ARPOBS (average revere per ocuied Seon the other han he eaprstic busines steed Feveve dear de to acne Cov revenues, ‘The comoary is ely tao L400 own bes ‘over the nt ive years and its NER presence il oY ity 500 move wit the acauton ote Manes Fact alse last des isos making facies n ree, 12466 ‘nhs key fo rede ts deb. The management hs {ote 20% EITDA margin inthe Bosal business 1) 2028.24 ra 202825. ll seers reper ‘lish on te company, pe exbects evenbe SA EBITON yee owen (ACR of 135 and 17 ver 2022-25 and 2024-25. syn 0 Wl oon 24 ewe your (var ina eed house Temy nae carrer pet pension ar te ‘onda deposts cant ca “xampten onthe rent ps) on ister tampearentsecenen? ‘As persan inom re unger ne Salary heat. youarevpbleto aim ‘herent pad under Section GOCE How ‘er certain coaitons nee abe sat fear tnesame Yeu. our speuse rer cdr HF of whch yousres ‘ember shold ntawnany resident canmoration were yauivecuret Iyatyovao ana yaurncome om the ‘esentalpropert fs leuatedunder Solkadlesectns a sel oculeo propery so deacon under Seen 0c slowed Telanester tase velbeconseredas eduction under Uhssedtion 1250003, 250,00 per ear. 25xotto.l come elie one ‘ermeptel gars shertter cana falnsunder Secon 1114 exam Uae Seton 118k9¢ 1150 ane flere unde Section Bota 80 ‘ka, come eforecimingde| ‘cian under ston foc. ctl eg ese ‘Waerincone ‘Southam Aerawal (orepritn, ary rent for bth smyeuse and sins te ba rent rent 5,0 forthe ouse anim base rent ection aay ho? es yeucancaimhouserentdede {ion pepoton othe spceinthe au er sed or bisiness ses Forisanc you havea fre beeraam housed one om ISdeaietedto bares stint, thenare thir te 00d canbe {tamed asoficerentceeuton. You ‘nals came rep rantnaee te prepotonatey. Recpeapes tells ‘or vesfationby ‘helncame ‘epariment. Sudhir Kaytik Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away. QUESTION OF THE WEEK My 93-year-old father was an income tax assessee ‘and died in July 2020. His return was due for assessment year 2021-22, and this was filed by my ‘mother, who was the legal hel, after due reistra ton on the income-tax portal. My mother received his pension tll March 2021, but then she too passed away in May ofthe same year. Now, Lam her legal hair The income-tax website refuses to accept me asthe new legal heir despite innumerable attempts ‘onmy part todo so, including telephone calls and ‘emails tothe IT helpline. | tried forfour months without any response and the filing window closed ‘after 31 March | then fled an T return with the Income-tax officer of Circle 61(1), Civic Centre, New Delhi as a hardcopy. {have not received any com- ‘munication fom them so far. have lodged griev- ances on the IT portal on numerous occasions, the last one being in May 2023. There has been no reso- lution so far and the oni response is thatthe mat- ter has been escalated, Please guide me as to how | shoul file the last return for my deceased father ‘and obtain the refund. The incmetanretecn ofa deceased person canbe ed by islegal hel after regsterngon sei ora Treaster {ralegalheijonsholdhavedacanents he ele hee ‘tient death certs an PAN The deceased ao tier Atersbrision ote request tbe tan autres ‘erly anette aceotor eject Teele Wl be a lowedtoiethe return’ the decevec on ater aco imtifrom he tunes been ese Inoue eae since the de cate org returns has apse, naoplatin wit have tobe tedortondenaton In deay Fig te retro thePrcoalConsioner of ome “ax Inthe concerned json of your ater Ths ‘binform near about hegenurenaresoinngthere- ‘matter thegeathot you father the refrlnsess ‘ane50 lkhoranassesoent yea) Te openta les Conconato eqvest wil Dauner te Sarees So lon on tetat poral! heals ‘ter the cantenation alison a¢- (epted and approved the PCT yu Canfletneretunoryour ater Tegalner There cannotbe led ones the candorton request oprves Naethat randy fled Faracopy reursarerataceptd Dythetaxdeparinent ‘Amit Maheshwari uy moter den 2015, leaving bind my fate veins tgs shoreses8unede now nan ese eb ns ‘erreainmy far snare Sire the shares were el soln Youratters ane, your athe feed omtatee pees sare ‘aranison Todoso,hestaue inte tert leit as met, ‘erensvar of sa. The eter tel eaconoanedbynsPaN ca ‘ada copy of death cericte (rycurmattr rdacooy tte Share ceria Tepurposet te ete storeqes ne resort roviethe necessary lvoraton Snesteonefortneramissan pros Onceterepsrar receives athe cocunen’ hei verity sare hotangand avert the su ‘ted decumers Tecan il ‘Denaootse vou ater aoutine Completeransmissonprcess \whertypal valves actor Stesikesoomitingan aia an Inet raranssin ae her cericate nda election Cetiiete NO rom oe es ors apoiable ‘ern procs herent vwrevertyaltbe paperwork ‘rerhrgisfurdtobe nar he ‘asses leer ofcontematen' {Goo neuf thes sae, aur {ater canton censteralsc on ai) teLocoy tote ‘horestohiscenat secu ihn ‘20 daysot recente Lo Tispracessasiures at you sowatalthenecesaycerthests Felstedtathe sb share nluing ‘documento or any corte ‘crs nat may raven le mere sine thasbeenre ‘manseven yas since your sad ay. teres possi ‘Datinesares ay avebeen ‘anaferedtthelvetar auc tanandbrteconFund 1A {nsisthecase youray ao need io Tse tn he arity to eth tne vomisien kas sn . Ask ourexperts financial j/ainning Here are some money matters to take é care of if you decide to move abroad to study, work or emigrate. 4 by Namrata Dadwat ee eeananeriae A recinutanmaue Sunmaacsocen 7 financial | SS eee tasks on your \= qixinctamamianse ‘omemauaimcness | COO list “Giematnanmtuasie’ rlcrerastnctn ntti Open an NRO Acount - wencaiacetcaee Memasaeae net Te See pera sl Ko Pnde at years Ths same lis apiato [i ee Eewishinirutee: fence oes Le dae ‘Exchange Management Act (FEA), It's "case ofthe National Pension System ‘Assess your equity and mutual fund external)account, which willallow youto —-NPScorpusatthetimeofretirement. You ‘houses do not allow investments fram NRIs, so you may Rave to ‘channel the foreign income earned abroad, vithdraw theentize NPS amount only if ne would be es cose credit caro he foreman slacteeandeelyrepatrableEnsure suehinvestuons, you willhavetolla ‘orgs uit be qt igh However you want cari ih {hatyouupdateteRYG lone withthe esiratonrmandsubmicopy four fe pay for oe reds ria nt he NRO cu ea is forsityour gear elongeeithproct hat yubave an ‘he same ges for exaing lng term eos ke fom sn drut account ivr ‘mu Aro impertant ste salting Insurance needs {ualfundinvestnent Thiswillasobelp your insurance Youmey panto sll yout Yu il resably not red aa nsranceor medic inurance lbeteagendealobesbletoctmammnicste Caraoauiolnaurance moat be needa The However you have fe rsursnes or Poe nsurenee I maybe ‘oothivuienseaintiture Ieuhave any sameassstormedial rane ssw beni to ceive with th of then To avoiany oo Pavmentsonaito-cbitma rememterto beter totakeone bros. yo baved- ‘ayia the premium put eseon avo deni, hangs thetuakmandatetONROGeNRE— pendasain ns wile eter cont 5 cont ccwithlieinsaranc peli tfyouyant (espreepl euineerrerempeerenysen Thonentstepistoassess yourinvest_ _eepanyropertynincia maheoureseu ae ce eee eect nmentsandnigureouttheonesyeawauld —havehomeeuranclor i Youray so ‘visa nappa ete. te case te Pubic Prowcent lketocontinasorclee"Youcnultsell _wanttopark sme money fr the upioepo Fura Pe you wl ot beable to mse es depots, tw SMocksthtvouownasSoumlehingt — Guproperty orp sult Ul Also, Comoe to ear terest on the amount eat catia. 09 {ite tomontor tsar di ire th yup theinnirance proms {anvaltaron moneys the eng tetra (1 Yes). Aensssonrecesewilibtaaed However, ontimesothathe plc When to reduce your home loan burden Nearly four out of five house purchases in India are financed through loans. Given the high interest rates, Nimesh Bhandari explains how and when borrowers can reduce the interest burden. Applying for home loan [Ahome oan sa long-term financial commitment of 10.25 years Chase the right tenure an Danking partner this stage Castomers often opt fo lrger terest keep te EM ka, Duttonger tenures 0 mean hignerntret ute. lal for as sorta tenures, Diss Try tomakea bigger own payee fyounave taken 2 oan o 50 lath a 8 for 20 years you eld save over 86 ie in interes over the oan Homeloan rates eoend tp muti factors ano ‘ery lender follows ts bum ple rameneske Melick ropritry Bank Recommendation Eine Cormpares mare than 20 banks nd recormends the bes pten amare them COUT Suu sd ecu ne ne) Prepayment in the early'stages of Cee d DO ao 80% tenure complete ‘ty he bu ofthe ‘going tonards the principal, repayment doesnot mate theloan isa good idea. ‘uch anda sense sere ina eniasand anal ster supe D3) Surpass et {heoutstnang an, Op or Be seo rea treo ‘acon tmuetnstend Duan be meen acne Oo an frencal ramets ht Ssantatysaveon nee oer tte e| ayt nhs momen Prepay ony i ou Ines the on Eas our freer re bend Income ges i For exam by ‘taneal perenes so Ineresrg the Al by 0 on 8 DS acquiring eat of rd ee at oe ht? 3 Sad ecomngcebt ree 20 ears one can sae abate sy IGknininteretotgand become ore sven yar eer, shin oa cheaper can an Sho ip ringeonn he meres fren ae ant tare, {ielom ats loner estate, shih edie he ue eto aneye on he arecsing vo on {eae te charts when Yeu saber aa set ine hove loonie scene NM \ ¢ \ S) A 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. we 1 Irs Bank 2 apt rit 3 ret Comet ‘ sau 5 Satoru cis ws 7 Wonutisunkinda 8 Ina Lbortories 7 EnduanceTewokeet 19 a 2» t¥ a Arbo Pramas 23 cysstitestenres 29 te Ltescerces| a Utrsteen cement 2 SkLaksimicenent 36 vient Py Dine & Per 37 nap 8 coat 29 Dat Free 2 2s ees "7 Lemaire ° Un ase ent 50 oe e-B-b Er] sk eohataseses 705s 159255 20075 1430 ores 1275 149080 175030 58430 550 206065 1.29080 51495 14a4e0 8490 020 nn nar a7 1038 1623 2088 3473 2068 1875 2048 1056 2070 6a a 1864 1391 1 198 065 279 482 320 508 336 12 149 38 “88 152 ea 565 25, 16 109 at 168 379 063, ost ost a0 2o7 307 oat on v7 ox us ose 070 ox on 3at 036 a6 030 026 ors 028 oss ous 070 on? ae ost os as? on 128 oz 108 6 129 6. 065 ue 103 as we oa? 126 135 123 191 1a 069 026 00 ox 108 oa ous 200 ost 02 28 28 0 0 2 2 Py 2» . 8 2 6 asr 25 a0 an 309 0 ar 430 398 08 355 130 @ restgrowing stoccs “Top 5 stocks withthe highest revenve growth (%) over the previous year Least expensivestocks ‘Top 5 stocks withthe lowest price earings ratio — a Best PEGS ‘Top 5 stocks withthe least price earnings to growth ratio «eee9 @ tmcome generators Top stocks with he ies {dena yl Leastrisky_ Top toc withthe owes smart 25 ETW FUNDS 100 BEST FUNDS TO BUILD YOUR PORTFOLIO, ET Wealth collaborates with Value Research to identify 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. sour: tance ca our Lance nocar our nesicar our ioc ourv-suautcar our: VAL OMETED soumenss LAGGARDS & LEADERS “Tagalog vw nets he cheapo elects wertnes oe ‘Retaearastnatmaybes wot on Your Dori ros Equity: Large-cap eyeur-wes 271 RE 1295 | ae ox Sm ne” fare Equity: Flexi-€ap syexveuns as 636 NN 20.02 Grito, seus aro Mearns 723 ER 708 soles ett ronnie — seni some earner eT a Equity: Mid-Cap sex eons 206 EE EE 22ce === Equity: Small-cap sexe 2600 2 EE «20 oe EE 27 ee i a os 2 i A 220 eee cermin! 41.38% Hybrid: Aggressive sre seo ME 927 cma ea ss <9 cantata ME cacniociee 73) 37 | nn 200 46 i250 Aosnicatn ee Moment ret arse smart s2) ETW FUNDS 100 a Qssrs_ vote) soreee ‘Top 5 equity schemes based See on tosyear sip returne E & aan prea ane — =r. —— 6 ‘TopSMIPS sien aed pas ka ane rd 38783 Bu | SBlcaseraie miso Woscnnecoat rn ge ose 0s eee SS Thy eae oe @© Ess: cashhoicings OR eer sorasersASonsi 0 ‘Metnodolory EQUITIES fess oer ihe past ne yea) Debt: short duration SEARS are eeeecenar some ST © oererertin Se TE errno BeISEE Tl soy MEI. %24,963 4 J i: SSE veo Semvcewsccacn” yseietitd emenwcane” =o oes on he boscdawed “crashed 2.7% and gold Paral GRR Shert tort Tem Serene eee = aaeeaeg care came creeecciated loans and 90s" 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. <4» HOME LOAN RATES rene Year scenic “tiene With effect from October 2019, all banks have made the transition to tn sa Rare an toe enue external benchmarks for pricing new home loans. Most banks have can ie ns tas Pea ees Top five bank FDs ce ean 300 ap OFC Ean mas 985 BAS 98S Notcivan ‘aren rs ise indi a = | as sas nso 5 | Notcien nares ys 6s Indan nk 20 aso «590 aso 990 areb2029 a ia Pa Nana an 825 | ao sas aso as | orev i == ont rn sis | seo 3050870080. | tereb 2023 ee eee armataka Bank ~ rods 87510431 May 2028 rie ot oe ae ak ahi Bank E 93590940 ‘Notciven rb ere Cora ok 525 8852) 890 25 PaO Essa ee bk 73am Poni a asc a5 Sas nas 95 srenz0 week m “ue (1D Bark 910 10, 1075 920 1225 | 12Feb 2023 Seite aan aoc 515985 IS 9652023 Top five senior citizen bank FDs Banana tae ST sts saa sistas Noten ~ Saas, ee Kare Va tn so 9s tas torebaem vasrcee oe tee roca = | 325 590 840005 Notcien orem re fae ssinaccain aoscm | 355 $005 355 sas 15Fe2023 Seen ye am ca ak 1090975 9983384982023 areas se um YoUr EMI for aloan of <1 lakh auen sen 900 36 » 7 2 nooo oa aa sa a S a oe rae 350 sere = = a soo = ese ECO my 2s am 1075 365 909 = Post office deposits Top five tax-saving bank FDs aS a ALTERNATIVE INVESTMENT RETURNS MONITOR The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. But don't compare these with returns from traditional investments since the proportion and purpose of alternative investments is vastly different. Gold (995) (x) Silver (2) Platinum ($/troy ounce) —_ WTI Crude ($/barrel) [ 2itetaeee aanintsosa| [SPidnesos —— azsmneoes| [Senter ——azanetans| [ Betine zz aanian a oa So ‘CHANGE swe -0.48% iwex—-2.89% we 4.85% ime 2.35% wean 14.66% wun 13.61% wen 1.46% wen 32.88% PENNY STOCKS UPDATE —~ ratenspassotortany beaten ne Fry wDcAP 150 “secs n pero) TOTAL RETURN INDEX a i Rolling returns (%) aroyo anexon ew vo Ss | es zou ten < 757.83 Shc “= ‘The und runs avery compact ortfoto *500, ce iusitiseeaioum -‘R@cent portfolio changes SSS 500 or rs AN ~~ 185 for " @ TResures one term rac ecora inca ‘onze nea parton EI chronie underperformance across time frames. Nee earn ‘AU smal Finance Bank, clean Science And — osteotomy nee within 35 days Technolgy, Gare) Properties, Cujarat Cas. IIc Soars se te ant ete ta BanleIOFe at Bank, Suven Pharmaceuticals ‘Soniwbineas (xpi. AIA En@rcerng Kiroskar Orgies, The indian Hotels Company (Moy). WHERE THE FUND INVESTS a Portfolio asset Fund ‘te GioueSpts nase Perssten allocation style box Systems, Vedant Fashions, Zomato (Ma) iar How risky is it? lomo 37% ee suena smanatoevaton (ETEEW sea 36 smote a sore tito AM isin wowace sae FUND nenewun EEE 29903237 ACER) 6 netmtammtyimtame © The fund retains some presence in both large ee Scone © fiskereturn profile in its category. apd smalleaps apart trom ts id cap ‘ito ee ted Peet rae Petraes benrateatt Securing pbonere Preropeeetreinte maTt parreetey Eres eesti ea mm rg HDFC Bank: Merger synergies, investments in technology and industry tailwinds to boost performance. | 1% sronth inne interest income NI) annet sonhindpatsensronec mendes ‘sushmrtaamoeges — ARalysts' views ps notion isis wetcolceseaetace a eee First, the bank will benefit nee ‘BUY itystrategy and yield improvement Growth levers in place tondd 1,300 branchesevery year, aver thenext years. Fundamentals eur ie as ose Poem Pca | {ifeapesetane soi hs ——— sacri cee me Gehmmelocotmes nae at aon = Lia whic e nearing completion, ‘we DRC Ld slong wih ts insane ‘enn bo pated net portato, eles nalotcel plas andcerage AU Stand lod eho. eS? WHAT EXPERTS ADVISE Selection methelog: Weck the cok thas shen ‘memati inerease in ansensus anasall dueing slimnlseresommendations or atibtingwnenstoeach ‘cates that the analsstearv pttnsblshon the stock. Only epsstwnckinEWcotble Sameer Bardwal, Relative performance = FSNE Commerce Nencures yas) Jeers “ lnptacapsonte at cavity mw mn gee en ear REG ERR——senga by” 0 en fae gs omega Crimes _—_—stavon yang en UNL eer TheRamco cements AnliguestockBroking Buy 994 «4400478 ‘ny rena uotrey cat hy eure nlc lon man SELL Hingstan unever eae HOFC Securities bine nreneceneton rons unr tnea 0 7o%a oBE. tax ptimiser NPS, perks save 71.4 lakh in tax ‘Sudhir Kaushik of Taxspanner.com tells readers how they can optimise their tax by rejigging their income and investments. hited trance pees Sina ane Chart Davsahishtaxtorane iseaarystroctre oot 7. altinvatsiniieschonsonhisown, ‘asic salary 1205800 12,06,800 INCOME FROM EMPLOYER 7 jetbieaoty ane zee sooo anne SRT i rata smosco @ ana ‘perks. Ifbe gets telephone relmburse- (Gar allowance 120000 120,000 amd “ment of 2,000, newspaper allowance of eee Eecrmceecranc=t Gta ABS —oe oe to yatmest 25000 TA stan eit aneeatean Chined twieeinablocketfeurgeas, ‘Books encperioscals 0 36000 f Simestest Seimaiecrata | seam a Se epee fa Tee Statieemesrtrcseng Pumoengnive >eoomo somo eet ‘venotheemplvee personal se EmoiyersconributiontoProvidentFund 148816 144816 psanerie ‘laren eon nae ie Conrbuton tos unde Sec BECO) 0 © 12000 IRtENSs a Tora rcmmiorytnmane., “INCOME FROM OTHER SOURCES elie oer Ceasers aotateans ° a "Aprensbumof ei oor medical Rental income o o po ad on ED Tax-saving investments Sores cers tee Snes an i a = asin am ase ne oe PPE 41,00,000 20,000 rere vest TOTALTAX SAVED BULLS Seeman sam mat, nn a 71,39,895 [net PER VEAR ned Other deductions TAX RATIO. J val ans fra inane Worelendeducen 200000 200000 syne succesteD or ate Evatnesnsesieton 52900 s2000 se, | “ea.40269| 0 | 0 pete —— : J Moan «| «17% 136, mutual (ives PORTFOLIO DOCTOR Aggressive investing has paid off Hardik Singhvi is investing for multiple goals. Here's what the doctor has advised him: eo e o oO ° ° o - DOWNPAYMENT DOWNPAYMENT DOWNPAYMENT DOWNPAYMENT CHILDS: cHiLD's RETIREMENT eee = meeenen Dorion Cate pony ee ee es ; "2years ‘Ayeors ARTO yenrs WOME'L2yeurs 4B years 2SyeNS —CURRENTNEED. = know = @P yl a ae) egier mepian: metas meguas megrae /maa | Ct, numer: | wiaceex | (eRe | wasess: |ecce: | MMM Wie] ey nave ses lemon [amecu| [emcee |rowece | mmead lane) os, the rignt funds and if their roeou0 ERE epee ——— find porto son a ~ deposit pan inbaek. = | returns inamaric bora Ye som. * Doctor assesses the © Exceot fr oneat ‘Stocinvestments 1470.00 - Sesto sheath of the fund prertnsee lcm Fund has underperermed Shi cos SIPSt0 Portfolio, examines the Soe zi cow SSrareRECE « crraratae 2 SMM Se 6 etiam cea schemes and their uteanbe reaches @ (Quant Smal Cp 20361 | 10.000 GeSeINNERSTENNESMEGPNNS | Yeo suitability with regard to Lan Ce min soo Emaeaeiareaceerem ag Tegan ‘sider hiking this © ParacrarkeFiexican 248,088 20.000 cou hevou-tedee sto "10000, ‘em corrective measures. The cme © Riana is RSG I] Sve vers ese on foustg5000 Sie! gigi as OOS = elttmanmeeenees am the performance of the seco conc | amass aes Ser aera a ‘@ Toomuchmoney MiraeAssettémersing Bivecnio 473208 2500 ST Nar nsmennion ae aons 380 his financial goals. SURI @Socencumes — ssewo = GmusEuninuarinme™ ss PP faisanog [sen [ote cee es ee) eid Sees mei bis 320,000 100 yailaftaxtrenk and bute crm — NeuaTOn Provident Find 250000 24000 Sscuiuiniomssteneaniéamt 4999 cation forall ‘once ina year. TOTAL PREURE rcieccon ER = Downsize goals to fit investment plan rae Ashish Bharne is saving for his child's education and retirement. Here's what the doctor advised: ° ° byt 8 ‘mus cRabuaTiON: ‘cimosposr

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