Your Portfolio is also in RED 🤯 Do this 😎🚀
Stocks to study:
1. Asian Paints
2. Bajaj Finance
3. Pidillite
4. HDFC Bank
5. D-Mart
6. Divis Lab
Check the Reel to understand the greedy behaviour we tend to follow in the stock market to become rich overnight and fall into debt.
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You can actually save lakhs of rupees by getting married 🫣🤑? | #reelsinstagram #reels #financereels #marriage #married #taxes
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Rule of 114 🚀
% of Yearly Return = 114/ Time taken to Triple
The Rule of 114 take the Rule of 72 to the next level. And the best part is you do not need any specific calculators or spreadsheets for doing these calculations.
Also, these rules hold good in case compound interest calculations.
Please note that this rule will give you an approximate answer and won’t work when the number of years is very small (<2 years).
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A Flat interest rate is calculated on the full loan amount throughout its tenure. It does not take into account that the principal amount is gradually reduced by the monthly Emi.
An interest rate that is calculated on the outstanding loan amount every month is known as the 'Reducing Balance interest rate'.
If you take a Loan of 5 Lakhs, @10% Flat Rate for a Period of 5 years. Then you would pay EMI of Rs 12,500/- for 5 Years.
This EMI of Rs 12,500/- converts to a Reducing Balance Interest Rate of 17.27% for the same Tenor.
It does not make sense to keep paying the same EMI through the entire tenure of the Loan even though the loan amount keeps reducing.
#hdfcbank #icicibank #yesbank #sbi #kotak #rbi #axisbank
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#1 Reason for Loan Rejection
FOIR (Fixed Obligations to Income Ratio) is the most commonly used parameter by Banks/ NBFCs to determine the loan eligibility of an applicant.
It is a total of all existing expenses divided by all income. This amount is multiplied by 100. All expenses include monthly fixed expenses like- credit card payments, existing Emi, etc. All incomes include salaries, rental income, etc.
If an individual's FOIR is 50%, it signifies that a maximum of 50% of the individual's monthly earnings is presumed to be their living expenses before the bank disburses a loan. As a result, the bank will consider the borrower to be slightly risky or more likely to delay or default on Emi.
It is advised for you to keep your fixed monthly expenses below 40% to improve your chances of getting approval for a Loan.
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Next BIG thing "ELECTRIC VEHICLE 🔌🚘💥🤯💸🚀
Check out the Reel to know the Government Intervention 🧐| #stockmarket #nifty50
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