Gali Sarish

Disclaimer: Stock market performance can be volatile. This information is intended for general knowledge and informational purposes only, and does not constitute financial advice. Key Points: Volatile Week: The past week witnessed significant fluctuations in the Indian stock market. The indices saw both sharp gains and losses, reflecting a volatile market environment. Global Factors Impact: Global market trends, influenced by central bank policies and economic indicators, played a crucial role in driving domestic market movements. Sectoral Performance: While some sectors like FMCG performed well, others like IT and auto faced selling pressure. Midcap and Smallcap Outperformance: Despite the overall market volatility, midcap and smallcap indices displayed relatively better performance. Earnings Season Impact: The ongoing earnings season influenced stock prices, with positive results leading to upward movements and vice versa. FII and DII Activity: The activities of Foreign Instit...

Over the past week, the Indian stock market and economy have shown mixed signals. Key updates include: 1. Stock Market Movements: The Sensex and Nifty witnessed fluctuations, with both indices hitting record highs before experiencing some declines. The Sensex reached an all-time peak of 81,587 while Nifty topped at 24,854 but later faced a drop resulting in an overall market cap loss. 2. Corporate Developments: Paytm's shares surged following government approval for a ₹50 crore investment in its payments arm, which positively impacted its stock performance. Other companies like Godrej Properties and Vedanta also made headlines with significant financial moves and dividends. 3. Sectoral Performance: Banking and PSU stocks were notable for their strong performance. The Bank Nifty index provided positive signals, suggesting potential further gains, while stocks in sectors like oil & gas and finance also saw robust activity following quarterly results and other corporate news...

Introduction While salary hikes are intended to keep pace with rising living costs, many employees find that their real purchasing power does not improve significantly. This paradox is particularly relevant in India, where recent salary hike percentages often surpass inflation rates but still fail to deliver tangible benefits. This article explores why a seemingly adequate salary increase might still leave employees feeling financially squeezed, using recent data for context. 1. Salary Hikes vs. Inflation Rates Recent data shows that salary hikes in India have generally exceeded inflation rates: 2023: Average salary increase was approximately 8.5%, while CPI inflation was around 6.2%. 2022: Average salary increase was about 8.2%, compared to CPI inflation of 6.7%. 2021: Average salary increase was 7.5%, while CPI inflation stood at 5.1%. At first glance, these figures suggest that salary hikes are sufficient to cover inflation. However, the reality of financial pressure often tells ...

  As of July 19, 2024, the Indian economy continues to exhibit robust growth, maintaining its position as one of the fastest-growing major economies globally. Here are some key highlights: GDP Growth : India's GDP growth rate for the fiscal year 2023-24 reached 8.2%, driven by strong performance in the manufacturing and construction sectors, which grew by 9.9% and 8.4%, respectively​​. The Reserve Bank of India (RBI) has projected the economy to grow by 7.6% for the fiscal year 2024-25​​. Inflation : Headline retail inflation in India has been moderating, remaining stable at around 4.83% as of April 2024. This trend is expected to continue, contributing to economic stability​​. Monetary Policy : The RBI has maintained the repo rate at 6.5% since February 2023, reflecting a cautious approach to balancing growth and inflation. The central bank's focus remains on ensuring price stability while supporting economic expansion​​. Fiscal Deficit : The fiscal deficit for FY24 improved t...

Raj, a savvy investor, decided to invest INR 50 lakhs in a mutual fund. He chose this path because he wanted to secure his future and benefit from the potential growth in the market. Raj was particularly interested in setting up a Systematic Withdrawal Plan (SWP), which would allow him to withdraw a fixed amount from his investment regularly, ensuring a steady stream of income. One day, Raj came across an exciting business opportunity that required immediate funding. Not wanting to sell his mutual fund investment prematurely, Raj decided to take a loan by pledging his mutual fund units as collateral. Raj approached a bank, and after evaluating his investment, the bank agreed to provide a loan against his mutual fund holdings. Here’s how the journey unfolded: The Setup Investing in Mutual Funds : Raj invested INR 50 lakhs in a well-performing mutual fund. He set up an SWP to withdraw INR 50,000 per month to cover his monthly expenses. The Opportunity : A lucrative business deal presente...

The time it takes to see a return on investment (ROI) in mutual funds can vary significantly based on the type of mutual fund, market conditions, and the investment strategy. Here’s a detailed overview with relevant data to support the suggestions: Types of Mutual Funds and Their ROI Timeframes Equity Mutual Funds Average ROI Timeframe : 5 to 7 years Data Support : Historically, equity mutual funds have shown that long-term investments (5-7 years) tend to mitigate the volatility and result in positive returns. For instance, the average annual return for large-cap equity funds over the last 10 years (as of 2023) has been approximately 12%. Debt Mutual Funds Average ROI Timeframe : 1 to 3 years Data Support : Debt mutual funds are generally less volatile than equity funds and offer more stable returns. Short-term debt funds have an average annual return of around 6-8% over a 3-year period. Hybrid Mutual Funds Average ROI Timeframe : 3 to 5 years Data Support : These funds invest in both ...