Tag Archives: Investment

Investing in Debt Mutual Fund in current situation? Beware and understand Why (or Why Not)

Posted on July 16, 2020 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

Taking benefit of low Bank FD interest and low/negative return on equity mutual funds, many MF agents are marketing medium/long duration funds for low risk investments. However, they may not be a good investment for you on Risk Adjusted Basis. … Continue reading →

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MSME / Udyam Registration: Definition, Eligibility and Issues

Posted on July 15, 2020 by Chintan Patel FCA, CPA(USA), Cert.IFRS(ICAI), CISA (USA), DISA, DIRM

Udyam Registration (Effective from July, 2020): DEFINITION, ELIGIBILITY AND ISSUES CONTENT A. Definition of MSME B. Activities (NIC codes) not covered under MSMED Act, 2006 for registration C. How to Calculate Investment and Turnover? D. Answers to queries relating to … Continue reading →

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How to plan your investment in current scenario after Budget (No 2) 2019?

Posted on July 14, 2019 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)
Finance and financial performance concept illustration

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Union Budget (No 2) 2019 takes us a step closer to achieving short term goal of becoming a $5 trillion economy by 2024. The biggest theme of the budget was Connectivity. In addition, it also addressed liquidity issues, relaxed investment … Continue reading →

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Decoding Budget 2019: The Hidden Opportunity for Smart Investors to Create Tremendous Wealth

Posted on February 6, 2019 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)
budget 2019

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The interim budget 2019 included few indicators properly placed in the budget speech, if identified and analyzed properly, could become a great opportunity for smart investors to create tremendous wealth in long term. This blog tries to explain and analyze … Continue reading →

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Budget Analysis for Investors: How to Efficiently Plan your Investments NOW for Maximum Benefit

Posted on February 28, 2017 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

Budget 2017 has proposed many important changes related to investments. Efficient Planning of your equity, debt as well as real estate investment could materially affect the investment returns. I have analyzed the effect of major changes proposed in the budget … Continue reading →

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Rs. 500 and Rs. 1000 Currency notes No longer valid in India from November 9, 2016 – An Analysis

Posted on November 8, 2016 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

“From midnight of November 8, 2016, Rs. 500 and Rs.1000 will cease to be legal tender. These notes are just papers from tomorrow,” said Prime Minister Mr. Narendra Modi. The announcement was made to combat black money, corruption, counterfeit currency … Continue reading →

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NRO to NRE transfer Update: 15CB/15CA required for Both “Taxable” and “Non Taxable” Transfers

Posted on May 14, 2015 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

From June 1, 2015, any person making a payment to a non-resident, including an NRI transferring funds from NRO to NRE account would be required to obtain a certificate from a Chartered Accountant in form 15CB and file form 15CA … Continue reading →

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Destination India 2: Important initiatives by new Indian Government……Have you invested in India or still watching?

Posted on July 6, 2014 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

Indian government, under Mr. Modi’s leadership with a mantra of “Minimum Government, Maximum Governance”, has taken some very important initiatives to reduce bureaucracy, increase transparency, speedy execution, reduce redundancy, improve work culture, foster international relations, increase defense capabilities and guard borders, increase … Continue reading →

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Capital Guaranteed (in USD) Insurance Plan for NRIs – An Analysis

Posted on February 17, 2014 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

Looking at the success of the Leveraged FCNR deposits, increased interest of NRIs of investment in Leveraged products, continuous inquiry from NRIs to increase their returns and lower LIBOR rates, financial services industry is very much interested to come up … Continue reading →

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15CA/CB rules revised Again: 15CA/CB May NOT be required for NRO to NRE transfer

Posted on September 6, 2013 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

CBDT vide notification 67/2003 revised the rules and procedures AGAIN for payment to NRI. And this time, for good. The updated rule will also be effective from October 1, 2013. I hope they do not change the rules again. 1. As … Continue reading →

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Revised Forms 15CB/15CA and Updated Procedures for Outward Remittance of money (including NRO to NRE transfer)

Posted on September 5, 2013 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

On August 5, 2013, CBDT (Central Board of Direct Taxes) changed the rules, procedures and forms for making payment to a non-resident from October 1, 2013. The revised forms and procedures will also be applicable for transfer of funds from NRO … Continue reading →

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Rare and Small window of Opportunity to Invest in Debt in India

Posted on July 25, 2013 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

Recent Steps by RBI to curb rupee depreciation (reduce gold import and tight liquidity in banking system) has led the short term rates and bond yields hit record high, giving a unique opportunity for investors to invest in debt at … Continue reading →

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Should NRIs invest in FCNR deposits with Forward Cover?

Posted on May 6, 2013 by Jigar Patel, CFA (USA), MBA-Finance (USA), CPA (USA), CA (India)

With FCNR rates regulated by RBI and volatile foreign currency market, a lot of banks have introduced and are marketing products for NRIs to generate more return on FCNR deposits. While there are catchy names used for the plans by … Continue reading →

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