MONEY TALKS

CREDIT SERIES-3- MARKET INTELLIGENCE

If market intelligence points to something, explore that further We have all been caught with surprise on a number of occasions when an account always repaying on time suddenly starts delaying. So my experience is that it is something which starts showing signs in other areas as well before it starts in the delay mode.… Continue reading CREDIT SERIES-3- MARKET INTELLIGENCE

MONEY TALKS

CREDIT SERIES-2- Numbers are numbers

Case II – Related party numbers and merger/de merger stories This company is into supplying capital goods to various industries. Their factory,  biggest in Asia on some parameters and being covered by a prominent international news channel on their documentary. This business had two parts – one pure material supply and another material supply+installation+other services.… Continue reading CREDIT SERIES-2- Numbers are numbers

MONEY TALKS

CREDIT SERIES-1- Numbers are numbers

Case I- Compare peer profitability and understand  leverage This was one of the key auto ancillary player. Fantastic profitability and excellent rating. I was doing a research on the margins across the value chain in this industry few years back. Even the most niche and sophisticated product in auto ancillary chain was not making the… Continue reading CREDIT SERIES-1- Numbers are numbers

LIFE CHOICES

Outsourcing- Yesterdays core, Today’s non-core

15 years back I started my first assignment with a company which used to help lenders- Banks and HFC’s outsource their activity on collections and recoveries so that they can focus on their core activities. Not all organizations had dedicated collections and recovery team at that time and the ones which had, didn’t had the… Continue reading Outsourcing- Yesterdays core, Today’s non-core

MONEY TALKS

Money Talks- Part 7- Mutual Funds

In this post I will cover the Mutual funds (MF) : -          What they are? -          Broad Types. -          How we can do it ? Mutual Fund combines the features of shares ( stock/ equity instruments) and debt instruments (debentures/Bonds/Any other fixed income investments).  So it gives the option to us to invest in a… Continue reading Money Talks- Part 7- Mutual Funds

MONEY TALKS

Money Talks- Part 6- EPF and PPF

Provident Fund is another common investment option but used interchangeably for EPF and PPF.  Both are similar in few aspects but not same. EPF stands for employee provident fund and is applicable for salaried individuals. PPF stand for Public Provident fund which anyone can put investment into. Both are long term investment options and offer… Continue reading Money Talks- Part 6- EPF and PPF