Best home loan: How to maximise benefits in new interest rate regime

THE ECONOMIC TIMES Tue, Oct 08, 2019 | 06:36 AM IST ET Wealth Newsletter

WHAT'S HOT #RERA,#sukanya samriddhi yojana calculator,#alternative investment returns monitor,#realty hot spot series,#stock pick of the week,#mf portfolio doctor,#family finance

Best home loan: How to maximise benefits in new interest rate regime Find out how to select the right lender and optimise benefits under the new regime. Insurer can't reject your claim if you meet this criteria New guidelines for health insurance plans issued by IRDAI favour policyholders but premiums could rise. Podcast: What you should know before investing in gold this festive season In this week's ET Wealth Wisdom podcast, we will tell you why gold is not a good investment. These 5 stocks are at their 10-year lows. Should you invest in them? Among stocks that are close to 10-year lows, these five are expected to give good upside potential as per consensus analysts' estimates. YouTube crafts a new India strategy India is at the centre of the platform's global march in new business categories. Time for Titan to look beyond gold It needs a holistic vision on how to improve store openings and maintain like-to-like sales growth. Jio takes on Airtel and Vodafone Idea again Now the battle shifts to ring time and interconnection usage charges even as price wars ease. From our Partners Evolving Change in Consumer Behaviour for Individual Lending Bureau Score Evolution – Capturing the changing retail lending landscape | Interpreting the bureau scores as evolved over time | How the CreditVision® Score works? From our Partners Evolving dynamics of MSME lending industry – A perspective from MSME Pulse by Vipul Mahajan Gain insights on where are new-to-credit MSMEs are coming from and who is lending to them Another KYC scam doing the rounds: Here's how you can protect yourself A new scam has proliferated across the country in the past few months. Here's how it works. On a budget this festive season? Here are 8 gadgets you can gift below Rs 6,000 ​​​Everyone loves a good pair of headphones. There are multiple choices available ranging from large over the ear headphones to wireless earbuds. Top Mutual Funds SCHEME NAME RATING 3 YRS(%) 1 YR(%) 6 M(%) 1 M(%) Axis Bluechip Fund Direct Plan-Growth ★★★★★ 15.10 21.85 6.64 5.21 Invest Now Axis Bluechip Fund-Growth ★★★★★ 13.64 20.35 5.99 5.07 Invest Now Mirae Asset Large Cap Fund Direct- Growth ★★★★★ 10.65 10.52 -3.09 0.70 Start SIP Mirae Asset Large Cap Fund Regular- Growth ★★★★★ 9.70 9.31 -3.62 0.61 Invest Now Motilal Oswal Focused 25 Fund Direct-Growth ★★★★★ 9.39 16.09 4.19 5.69 Invest Now FeaturedDSP Small Cap Direct Plan-Growth ★★★★★ -1.65 -2.28 -11.47 1.24 Start SIP Earning more does not guarantee wealth creation. Here is why You must focus on paying off your debts at the earliest so that you are relieved of unnecessary financial burdens. Kill these 10 financial evils this festive season These 10 financial habits are eroding your wealth. Here's how you can get rid of them.

FEATURED SLIDESHOWS

From 0ct 1, these 5 changes that will impact your personal finance Things to keep in mind while buying travel insurance Not being able to sell yourself will kill your career How to get a smart home set up under Rs 30K More Slideshows

Financial Calculators New LTCG tax calculator: Plan, compute your tax Use this tool to calculate long-term capital gains (LTCG) and the corresponding LTCG tax for listed shares and units of equity-oriented mutual funds. Tax Impact Calculator This tax calculator will help you estimate your tax liability. Just input your personal income details and know how much you would be liable to pay.

Money & relationships: Preparing yourself and parents financially for their medical expense Here's how to financially prepare yourself and your parents for medical problems and emergencies that they may face after retirement. Stick to these 2 basic tenets of saving and you can sail through any market crisis There are two basic tenets of saving. They held true a decade ago and hold true today. Only 18% senior citizens have health insurance: Survey As per the Survey report, 42 per cent of the respondents sometimes feels insecure about financial matters. Use this MS Excel tool to manage your financial goals Goal Seek is an easy tool that helps investors modify calculations according to their requirements. 5 rules you and your child should follow to manage their higher education expenses Teach the young ones to fend for themselves. You should only provide the safety net. Realty hot spot series: A well-known residential and commercial area in Gurgaon The DLF areas are well-connected to key job hubs, retail infrastructure and prominent schools. Stock pick of the week: Cut in corporate tax a good entry opportunity into Shriram City Union The recent reduction in corporate tax is good news for Shriram City Union Finance. Its EPS for 2019-20 and 2020-21 are expected to go up by around 12%. Investors should consider SIP in debt mutual funds: Amandeep Chopra, UTI AMC "One of the key learnings from IL&FS has been around the credit opinion built relying on external agencies." How to consolidate your mutual fund portfolio All folios held in the fund should be mentioned in the application. The target folio into which all other folios need to be consolidated should also be mentioned. All you need to know about equity valuation Absolute valuation method attempts to find the 'true' value of a stock based only on fundamentals such things as dividends, cash flow and growth rate of the company. MF portfolio doctor: Mathur can reach goals easily, but needs to reduce clutter in his portfolio The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals. Family finance: Goyal should link investment to goals, increase insurance cover Kolkata-based Sandip Goyal's goals include building an emergency corpus, buying a house, saving for the child's education and wedding, and retirement. Alternative investment returns monitor: For the week ending October 2, 2019 Here are the alternative investment options with their returns, for the week ending October 2, 2019. The proportion and purpose of these is vastly different.

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Smallcaps put up good show in Sept, may throw up multibaggers

THE ECONOMIC TIMES Fri, Oct 04, 2019 | 08:07 AM IST ET Investment Opportunities

Smallcaps put up good show in Sept, may throw up multibaggers Overseas investors turned net buyers in September and poured over Rs 7,500 crore. Midcaps' discount to Nifty telling you where's the money History suggests while largecaps kick off a rally, it is the midcaps that lead the show. LIC's top midcap & smallcap bets that jumped up to 50% in Sept As of June 30,LIC held nearly 240 companies with m-cap of less than Rs 20,000 crore. Bipolar behaviour of D-Street may last longer: Radhakrishnan We are still a few quarters away from decisively saying that we have turned around the corner.

Advertorial Fake call alert: This new app lets cybercriminals generate international phone numbers to con people The process of tracking such numbers is simple, but time-consuming. Advertorial RBI likely to cut rates; is it time to change your debt mutual fund strategy? While some fund managers are waiting for the advisory, others believe that the room for more rate cuts has opened for RBI.

Top Mutual Funds SCHEME NAME RATING 1 M(%) 6 M(%) 1 YR(%) 3 YRS(%) Axis Bluechip Fund Direct Plan-Growth 7.64 8.62 19.43 15.43 Axis Bluechip Fund-Growth 7.56 7.98 17.97 13.97 Mirae Asset Large Cap Fund Direct- Growth 3.96 -1.30 7.41 11.45 Mirae Asset Large Cap Fund Regular- Growth 3.86 -1.84 6.23 10.49 Motilal Oswal Focused 25 Fund Direct-Growth 9.24 7.44 14.23 10.37 FeaturedDSP Equity Savings Fund Direct-Growth ★★★★★ 3.53 1.77 7.17 6.32 Start SIP

Economic Times Biz Listings Are you a Financial Service Provider? Are you looking for Financial Advice? List your Business to get Leads Find trusted Professionals near you

Experts betting on these stocks to deliver amid consumer gloom You can make the product 50% cheaper, but there has to be income to spend, says SBICAP Sec. How Rana Kapoor's 'diamond' YES Bank turned into a smallcap Once India's 6th largest private lender by market capitalisation, YES' stock has seen a spiraling downfall. Stocks from this sector are already churning out many crorepatis Industries linked to this sector have already produced many multibaggers. Oil market ignoring geopolitical risks; trade talks next big trigger Saudi Aramco has restored oil production capacity to 11.3 mbpd, the level before the attacks.

Advertorial With $5.5 mn, PV Sindhu is only Indian on Forbes highest-paid female athletes list Sindhu features on the same list which is topped by Serena Williams. Advertorial Penalty you will pay for missing ITR filing deadline and who won't have to pay If you file your return after midnight of Aug 31, then you are liable to pay a late fee of upto Rs 10,000.

Paathshala: Should depositors worry about co-operative banks? The crisis at Mumbai-based PMC Bank has again brought co-operative banks into the limelight. ET demystifies the cooperative bank business in India, where these banks have a disproportionate presence among the unbanked and the under-banked You need money to make money! Big rally has no windfall for small investors Many of the stocks that retail investors are exposed to are fundamentally weak.

Initial Public Offer (IPOs) IPO Name Offer Price Band Open Date Close Date   Sona Hi Sona Jewellers (Gujarat) Ltd. 10.00 30-09-2019 04-10-2019 Goblin India Ltd. 51.00 - 52.00 30-09-2019 04-10-2019 Vishwaraj Sugar Industries Ltd. 55.00 - 60.00 30-09-2019 04-10-2019 Gensol Engineering Ltd. 81.00 - 83.00 30-09-2019 04-10-2019 Tutorials Point (India) Ltd. 60.00 - 64.00 30-09-2019 04-10-2019 More >>

NFO (FMPs) Fund Name Category Type Open Close Min Inv   SBI FMP (FMP) - Series 19 (1115 Days) Reg-G Debt: FMP Closed-end 30 Sep 2019 07 Oct 2019 5,000 SBI FMP (FMP) - Series 19 (1115 Days) Direct-G Debt: FMP Closed-end 30 Sep 2019 07 Oct 2019 5,000 SBI FMP (FMP) - Series 19 (1115 Days) Reg-D Debt: FMP Closed-end 30 Sep 2019 07 Oct 2019 5,000 SBI FMP (FMP) - Series 19 (1115 Days) Direct-D Debt: FMP Closed-end 30 Sep 2019 07 Oct 2019 5,000 More >>

Real Estate News

Office space leasing up 9% in Jul-Sep across 7 cities: Colliers Bengaluru maintained the top position in office space leasing with a share of 30 per cent in gross leasing during January-September 2019.

Mumbai residential launches down 33% on-year in July-Sept: Report Navi Mumbai contributed 17% to total launches in MMR at 2,430 new units, while Thane saw 2,220 units launched during the quarter.

Housing sales decline by 22% in NCR: Report According to the report, Collectively, NCR saw new supply of 5790 units in Q3 2019 as against 4,200 units a year ago and nearly 13,570 units in the preceding quarter of Q2 2019.

NBCC to take 4 years to deliver 17k Jaypee flats NBCC is all set to submit a fresh proposal for completion of Wish Town apartments before the Supreme Court next week

UP Real Estate Regulatory Authority to retender stuck NCR projects Move to benefit more than 30,000 homebuyers.

NFO - Non FMPs Fund Name Category Type Open Close Min Inv   ITI Long Term Equity Fund Reg-D Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ITI Long Term Equity Fund Direct-G Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ITI Long Term Equity Fund Direct-D Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ITI Long Term Equity Fund Reg-G Equity: ELSS Open-ended 15 Jul 2019 14 Oct 2019 500 ICICI Pru Commodities Fund-G Equity: Thematic Open-ended 25 Sep 2019 09 Oct 2019 5,000 More >>

Views and Recommendations

Sell State Bank of India, target Rs 250: Jayesh Bhanushali 03 October, 2019, 08:52 AM IST Sell State Bank of India at a price target of Rs 250.0 and a stoploss at Rs 265 from entry point. Sell Buy CreditAccess Grameen, target Rs 700: Jayesh Bhanushali 03 October, 2019, 08:47 AM IST Buy CreditAccess Grameen Ltd. at a price target of Rs 700.0 and a stoploss at Rs 650 from entry point. Buy Sell Dabur India, target Rs 426: Kunal Bothra 03 October, 2019, 08:45 AM IST Sell Dabur India Ltd. at a price target of Rs 426.0 and a stoploss at Rs 444 from entry point. Sell Buy Avenue Supermarts, target Rs 1,960: Kunal Bothra 03 October, 2019, 08:39 AM IST Buy Avenue Supermarts Ltd. at a price target of Rs 1960.0 and a stoploss at Rs 1885 from entry point. Buy

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