FIXED INCOME


IANS 22 February 2017
Union government securities' (G-sec) yields declined sharply during the third quarter ended December 2016 on account of the demonetisation drive that led to a surge in bank deposits and bullish market sentiment, an official said on Tuesday.   "G-sec yields declined sharply across the...

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IANS 17 February 2017
The Reserve Bank of India (RBI) on Thursday permitted multilateral and regional financial institutions to invest in rupee-denominated bonds.   "In order to provide more choices of investors to Indian entities issuing rupee-denominated bonds abroad, it has been decided to also permit...

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Looking for a higher interest rate on fixed deposits (FDs)? You have the option to go to small finance banks (earlier non-banking finance company—NBFC) licensed by the Reserve Bank of India (RBI). With competition among small finance banks (SFBs), customers can expect to get interest rates up...

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Two mutual fund (MF) companies are offering the option of instant redemption credited to your savings account within minutes. The idea is to make the liquid/ultra short-term (UST) MF scheme to work like a savings account, with money being accessible immediately.    It is certainly an...

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The government’s move to demonetise Rs1,000 and Rs500 currency notes has led to a lowering of bank fixed deposits (FD) rates. Low bank FD rates, coupled with taxes, can be disastrous for those depending mainly on income from their savings.    Another option is investing in small...

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With falling interest rates and the need to search for good fixed-income investment options without risk to the principal, media attention has turned to the languishing product offering 8%pa returns and carrying sovereign guarantee. It is government of India (GoI) savings (taxable) bonds,...

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The government’s move, to demonetise Rs1,000 and Rs500 notes to curb black money in the system, has led to a lowering of bank fixed deposits (FD) rates. Low bank FD rates, coupled with taxation as per individual tax bracket, can be disastrous for savers. However, savers still have some...

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The government’s move to demonetise Rs1,000 and Rs500 currency notes, to curb black money, has led to lowering of interest rates on bank fixed deposits (FDs). Low bank FD rates, coupled with taxation as per individual tax bracket, can be disastrous for savers. Should you invest in liquid or...

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The government’s move to demonetise Rs1,000 and Rs500 currency notes, to curb black money from the system, will also lead to lowering of bank fixed deposit (FD) rates. Banks have been sending SMSes urging customers to visit their braches to deposit cash. The cash deposited by customers will...

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The Reserve Bank of India (RBI) had fixed the issue price of sovereign gold bonds (SGB) at Rs2,957/gram (gm) for the sixth tranche of subscription (from 24th October to 2nd November). It was touted as the lowest subscription price in the current financial year, i.e., 2016-17. To make the...

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Post-office Monthly Income Scheme (POMIS) gives you guaranteed return on your investment. Currently, it offers 7.80%pa (per annum) payable as monthly income. The maturity term of POMIS is five years. There is no tax deducted at source (TDS) on the interest for POMIS, but the interest income...

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Moneylife Digital Team 14 October 2016
Anumber of non-convertible debenture (NCD) issues have come up in the past few months. The last few issues included NCD issues of SREI Infrastructure Finance, Dewan Housing Finance Corporation (DHFL) and Indiabulls Housing Finance.    These issues have witnessed a lot of frenzy; some...

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Investment in Government Securities (G-Secs) for retail investor has, traditionally, been through the mutual fund (MF) route. With rate cuts by the Reserve Bank of India (RBI) for more than one year, MFs’ exposure to G-Secs has been on the rise. Investment through the MF route (growth option)...

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Several taxable bond issues will hit the market in absence of tax-free bonds. The NCD (non-convertible debenture) issue of Dewan Housing Finance Ltd opened on 29th August and closed in a day on 30th August. It offered interest rates of up to 9.25% for 84 months, 9.15% for 60 months and 9.10%...

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IANS 14 September 2016
Credit rating agency Moody's Investors Service on Wednesday said the State Bank of India's (SBI) issuance of additional tier 1 (AT1), Basel III compliance securities would set the pricing benchmark for other issuers.   Moody's said the SBI's issue price would also provide Indian banks...

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Saurabh Dugar 08 September 2016
The Reserve Bank of India (RBI), on 29 September 2015, vide circular RBI/2015-16/193 had issued guidelines allowing Indian companies, Real Estate Investment Trusts (REITs) and Infrastructure Investment Trusts (InvITs) to issue rupee-denominated bond (masala bonds) overseas. Consequently, RBI,...

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Credit rating is a much-misunderstood concept. It is also a much-abused concept. Normally, not many people care to know about rating. It’s only when ratings suddenly go wrong and there are defaults and downgrades, that there is a lot of outrage and the regulators and the public react sharply....

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Premature withdrawal penalty matters when you wish to close a fixed deposits (FD) before maturity. The reason for closing can be a better investment opportunity, like wanting to invest in a tax-free bonds issue. A bank FD offers high liquidity, but the penalty for premature withdrawal is...

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IANS 26 August 2016
The Reserve Bank of India's (RBI) proposal to allow banks to raise additional tier-1 and -2 capital by issuing masala bonds would ease access to capital, global credit rating agencies Fitch Ratings and Moody's Investor Service said on Friday.   Masala bonds are rupee-denominated bonds...

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Some investors may be concerned about the safety of their money with the new entrants in the private banking space such as Bandhan Bank and RBL Bank (formerly Ratnakar Bank). Competitive intensity, and their urge to capture market share from the well-established banks, is motivating them to...

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