This is perhaps the stupidest question to ask. Why do you need to even ask this question. If Indian banking is concerned…there are 3 types of banks… a) Public sector banks b) Co-operative banks c) Small private sector banks d) Large private sector banks A few funny banks are Axis bank, Icici bank and Idbi […]

What is a Credit Score & Factors affecting a Credit Score? A credit score is a numerical expression based on the analysis of a person’s credit history to represent the creditworthiness of that person. So as we understand it is very important or rather essential to have a good credit history. A credit score is a complex formula/number […]

What makes Warren Buffett so successful? Of course there is stock picking. Make no mistake about it. However remember big investors – like WB get deals which you and me can only dream about. We may not even have the ability to execute it. Let me tell you one such deal which I saw being […]

Let me begin by saying this again: Every Investment has to be Goal Based Investing. Imagine going to a financial adviser and saying “I wish to invest Rs. 3 million…and I do not know the objective, nor the time frame”. Sounds stupid does it not? If you have a goal and you know you are […]

Over the past few years about 1000 co-operative banks have failed. Over the  past a few thousand chit fund companies have failed A few Nbfc have failed. May be say 1000? Plantation schemes, brokerage houses………the list is far too long. depositors are lucky that ILFS did not accept public deposit.. NSEL money lost…Rs. 12000 crores…….. […]

the lecture at IIT Mumbai….where I tell the kids… https://www.youtube.com/watch?time_continue=10&v=szPOnNeLrf0  

When a new product is launched there is a lot of excitement. It is customary for Indian players to compare it to the size of the international markets and say that there is a huge opportunity. True. Let us not even dare to compare our equity market to our bond market and gold market. Equity […]