Month: January 2021

Govt looking into the issue of ‘volatility’ in raw material prices: Gadkari

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G Balachandar

The Central government is working on a mechanism to control the prices of raw materials to support Micro, Small and Medium Enterprises, pointed out Nitin Gadkari, Union Minister for Road Transport & Highways, Shipping and MSME.

“We are aware that MSMEs are facing problems due to the increase in prices of input materials such as metals. It is a serious subject and the government is considering measures,” he said during a discussion after delivering the inaugural address on virtual mode for the CII National Foundry Conclave.

To a question on the shortage of containers that was impacting the exports of foundry industry, Gadkari said the government was looking into the issue. Due to Covid-19, there was a shortage of containers and now those containers were being relocated. “I feel the problem would be resolved in the next 15-20 days,” he added.

Earlier, he urged the foundry industry to work towards reducing imports and improve technology and quality.

NK Samaraj, Past President, The Institute of Indian Foundrymen (IIF), highlighted the problems faced by the foundry industry and requested the government to institute a policy to ensure stability of prices and availability of raw material for value addition industries like foundry units.

Hari Thiagarajan, Chairman, CII Tamil Nadu, said the foundry market in India during 2020-2024 is poised to reach $13.08 billion at a CAGR of 10 per cent. “About 90 per cent of the units are in the MSME segment and the industry employed about 2 million people, mostly from socially and economically weaker sections of the society,” he said.

The conclave, which will be held on digital platform over six days, will discuss the challenges, opportunities and way forward for this sector.

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SBI executes money market deals linked to SOFR

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State Bank of India (SBI), on Wednesday, said it has executed two inter-bank short-term money market deals through its Hong Kong branch with the pricing linked to SOFR (Secured Overnight Financing Rate).

SOFR is an identified replacement for USD (US Dollar) LIBOR (London InterBank Offered Rate), which is expected to be phased out at the end of 2021.

The sunset for LIBOR has been triggered by the decision of the Financial Conduct Authority (FCA) in UK not to compel contributing banks for LIBOR calculation after December 2021, India’s largest bank said in a statement.

C Venkat Nageswar, Deputy Managing Director (International Banking Group), SBI, said: “The transaction demonstrates SBI’s progress in aligning its systems and processes to embrace Alternate Reference Rates (ARRs).

“LIBOR Transition is a significant financial event for international financial markets, and these transactions by country’s largest bank, will set the pace for smooth transition of financial markets in ARR

According to FCA, LIBOR is based on submissions provided by a panel of 20 banks. These submissions are intended to reflect the interest rate at which banks could borrow money on unsecured terms in wholesale markets.

“Both the FCA and the Bank of England’s Financial Policy Committee (FPC) noted in 2017 that it had become increasingly apparent that the absence of active underlying markets and the scarcity of term unsecured deposit transactions raised serious questions about the future sustainability of the LIBOR benchmarks,” the Authority said.

The Council on Foreign Affairs, on its website, observed that beginning in 2012, an international investigation into LIBOR revealed a widespread plot by multiple banks to manipulate these interest rates for profit starting as far back as 2003.

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Post Office Time Deposit Vs Bank FD Vs NSC: A Comparison For Tax Savers

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5 Year Tax Saving FD

The 5-year tax-saving FD scheme of banks will serve you if you are a taxpayer and want to seek tax advantage of your investment in bank FD. In compliance with section 80C, the investment made in the bank FD by a tax saver qualifies for tax gain. Under a tax saving FD as the interest is paid together with the principal after the completion of the maturity period one can even opt for either monthly or quarterly or cumulative payout options. No partial or early withdrawal is allowed under the 5-year tax-saving FD scheme and there is no provision for applying for a loan against tax saving FD. Whereas the presumed assurance exists for Bank FD, under the Deposit Insurance and Credit Guarantee Corporation (DICGC) Act, the exact assurance is only up to Rs 5 lakh. The insurance policy is on the principal and interest gained and is applicable in every branch of a bank on deposits.

5 Best Tax Saving FDs

5 Best Tax Saving FDs

Banks ROI per annum in % for general public ROI per annum in % for senior citizens
DCB Bank 6.75 7.25
Equitas Small Finance Bank 6.75 7.25
AU Small Finance Bank 6.5 7
IndusInd Bank 6.5 7
RBL Bank 6.4 6.9

Post Office Time Deposit

Post Office Time Deposit

In a post office, the post office time deposit (TD) is much like a bank fixed deposit, however one can only deposit for a period of 1 year, 2 years, 3 years, and 5 years. The contribution made for a five-year term is liable for the tax gain under Section 80C. The interest rate on time deposit is kept at 5.5 per cent for 1 to 3 years of maturity period for the present quarter of January to March 2021, while the interest rate is higher on 5 years of deposit, i.e. 6.7 per cent. The interest gained is completely taxable and, as in the example of bank FD, which means that interest received from post office time deposit fall under the head ‘Income from other sources’. There is no chance of any default as the post office small savings schemes are backed by the government of India. There are no monthly, semi-annual or quarterly interest payout alternatives, which means that investors who want a regular income, post office time deposit is not the best.

National Savings Certificates (NSC)

National Savings Certificates (NSC)

Unlike bank FD and PO Time Deposit, NSC doesn’t provide regular or annual interest payout as the tenure of this scheme is 5 years. It is possible to have the amount invested in NSC only upon maturity. One can deposit in 5 Years National Savings Certificate (VIII Issue) with a minimum amount of Rs. 1000/- and in multiples of Rs. 100/- with no upper limit. The subscriber can receive a tax rebate under Section 80C for investments of up to Rs.1.5 lakh in the National Savings Certificate. In addition, the interest received on the certificates is also placed back to the initial investment and also qualifies for a tax deduction. For example, you are eligible for a tax benefit on that initial investment amount in the first year if you buy certificates worth Rs.1,000. But you can seek a tax benefit on that year’s NSC investment(s) in the second year, and also the interest gained in the first year. Which is why the interest is compounded annually and applicable to the initial deposit. Currently, the NSC interest rate is 6.8% per annum but paid upon maturity.

Our take

Our take

Even if the NSC interest rate is higher relative to 5-year tax-saving bank FD and PO 5-year time deposit, you can choose between bank FD and PO Time Deposit if you want to get a regular income after retirement. Although Bank FD has the option of paying monthly, quarterly or half-yearly interest payments, whereas PO Time Deposit only has an annual payout option. So bank FDs can be a good bet here for senior citizens as they relatively get additional interest rate compared to the regular one.



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Post Office Time Deposit Vs Bank FD Vs NSC: A Comparison For Tax Savers

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5 Year Tax Saving FD

The 5-year tax-saving FD scheme of banks will serve you if you are a taxpayer and want to seek tax advantage of your investment in bank FD. In compliance with section 80C, the investment made in the bank FD by a tax saver qualifies for tax gain. Under a tax saving FD as the interest is paid together with the principal after the completion of the maturity period one can even opt for either monthly or quarterly or cumulative payout options. No partial or early withdrawal is allowed under the 5-year tax-saving FD scheme and there is no provision for applying for a loan against tax saving FD. Whereas the presumed assurance exists for Bank FD, under the Deposit Insurance and Credit Guarantee Corporation (DICGC) Act, the exact assurance is only up to Rs 5 lakh. The insurance policy is on the principal and interest gained and is applicable in every branch of a bank on deposits.

5 Best Tax Saving FDs

5 Best Tax Saving FDs

Banks ROI per annum in % for general public ROI per annum in % for senior citizens
DCB Bank 6.75 7.25
Equitas Small Finance Bank 6.75 7.25
AU Small Finance Bank 6.5 7
IndusInd Bank 6.5 7
RBL Bank 6.4 6.9

Post Office Time Deposit

Post Office Time Deposit

In a post office, the post office time deposit (TD) is much like a bank fixed deposit, however one can only deposit for a period of 1 year, 2 years, 3 years, and 5 years. The contribution made for a five-year term is liable for the tax gain under Section 80C. The interest rate on time deposit is kept at 5.5 per cent for 1 to 3 years of maturity period for the present quarter of January to March 2021, while the interest rate is higher on 5 years of deposit, i.e. 6.7 per cent. The interest gained is completely taxable and, as in the example of bank FD, which means that interest received from post office time deposit fall under the head ‘Income from other sources’. There is no chance of any default as the post office small savings schemes are backed by the government of India. There are no monthly, semi-annual or quarterly interest payout alternatives, which means that investors who want a regular income, post office time deposit is not the best.

National Savings Certificates (NSC)

National Savings Certificates (NSC)

Unlike bank FD and PO Time Deposit, NSC doesn’t provide regular or annual interest payout as the tenure of this scheme is 5 years. It is possible to have the amount invested in NSC only upon maturity. One can deposit in 5 Years National Savings Certificate (VIII Issue) with a minimum amount of Rs. 1000/- and in multiples of Rs. 100/- with no upper limit. The subscriber can receive a tax rebate under Section 80C for investments of up to Rs.1.5 lakh in the National Savings Certificate. In addition, the interest received on the certificates is also placed back to the initial investment and also qualifies for a tax deduction. For example, you are eligible for a tax benefit on that initial investment amount in the first year if you buy certificates worth Rs.1,000. But you can seek a tax benefit on that year’s NSC investment(s) in the second year, and also the interest gained in the first year. Which is why the interest is compounded annually and applicable to the initial deposit. Currently, the NSC interest rate is 6.8% per annum but paid upon maturity.

Our take

Our take

Even if the NSC interest rate is higher relative to 5-year tax-saving bank FD and PO 5-year time deposit, you can choose between bank FD and PO Time Deposit if you want to get a regular income after retirement. Although Bank FD has the option of paying monthly, quarterly or half-yearly interest payments, whereas PO Time Deposit only has an annual payout option. So bank FDs can be a good bet here for senior citizens as they relatively get additional interest rate compared to the regular one.



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Bajaj Finserv Q3 profit up 15%

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Bajaj Finserv Ltd (BFS) reported a 15 per cent increase in third quarter consolidated net profit at ₹1,290 crore against ₹1,126 crore in the year-ago period.

BFS is the holding company for the various financial services businesses under the Bajaj Group. BFS participates in the financing business through its 52.74 per cent holding in Bajaj Finance Ltd (BFL) and in the protection business through its 74 per cent holding in Bajaj Allianz General Insurance Company Ltd (BAGIC) and Bajaj Allianz Life Insurance Company Ltd (BALIC).

BFL reported a 29 per cent decline in consolidated (including the financial results of subsidiaries Bajaj Housing Finance and Bajaj Financial Securities) net profit in the third quarter ended December 31, 2020, at ₹1,146 crore against ₹1,614 crore in the year-ago quarter.

BAGIC reported a 73 per cent jump in net profit in the reporting quarter at ₹330 crore against ₹191 crore in the year-ago period.

BALIC reported a 17 per cent decline in third quarter net profit at ₹118 crore against ₹143 crore in the year-ago period.

BFS shares inched up 0.18 per cent to close at ₹8,938.45 apiece on the BSE against the previous close of ₹8922.40. BFL shares nudged up 0.41 per cent to close at ₹4,981.15 apiece on the BSE against the previous close of ₹4,960.85.

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Home First Finance IPO Opens January 21: Here’s What To Do

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Investment

oi-Roshni Agarwal

|

In IPOs investors invest assuming that stock will be available at a reasonable valuation and for listing gains, but as seen in the recent past where listing gains have been monumental, 30-40% gains are not much given the current scenario for listing.

And now as we shall the third IPO by home financing company Home First Finance opening tomorrow for public subscription. Here are things to note about the same:

Home First Finance IPO Opens January 21: Here's What To Do

Home First Finance IPO Opens January 21: Here’s What To Do

1. Issue details:

Issue size is Rs. 1153 crore and includes fresh issuance of Rs. 265 crore and an OFS of Rs. 888.72 crore by True North Fund V LLP and Aether (Mauritius), investor Bessemer India Capital Holdings II Ltd, and two individual shareholders.

The company has reduced its fresh issuance from earlier planned Rs. 344 crore because of its pre-placement to Orange Clove and employees.Investor can put in a minimum bid of 28 equity shares and in multiples of 28 equity shares thereafter.

The price band for the maiden public issue has been fixed at Rs 517-518 per equity share. The lower issue price band is 258.50 times the face value of equity share and the upper price band is 259 times the face value. The issue ends on January 25, 2021.

2. About the company:

Technological driven affordable housing company targets first time home buyers from low and middle income and started operations in the year 2010.

The company’s major areas of operations include states like Gujarat, Maharashtra, Karnataka and Tamil Nadu.

3. Issue objectives:

The proceeds from fresh share issuance will be put to augment the company’s capital and support in its growth going forward.

4. Financials:

The company’s clientele is primarily salaried class and its loan assets registered a growth of 63 percent between FY18 and FY20.

5. Valuations:

Valuations for the issue are deemed on a higher side in comparison to other listed peers. “A granular business with average ticket size of its housing loans of Rs 10.1 lakh, with an average loan-to-value on gross loan assets of 48.8 percent, as on September 2020 places it at lower competition intensity from banks and other peers. However, on a P/BVPS (of FY2020) basis, its valuation is on the higher side, as compared to peers,” said Sharekhan in its note.

6. Should you subscribe to the issue of Home First Finance?

There are divided views on the valuation of Home First Finance, while some see it to be aggressively priced in comparison to listed peers, some see it to be priced fairly. And while near term hiccups due to rise in NPAs cannot be ignored for such companies, government measures such as Housing for all initiative as well as the current consolidation in the real estate sector shall be beneficial for these companies in the long run.

But for now, investors can park the money in the IPO for listing gains given the grey market premium that it is commanding which is though less than that of Indigo Paints. Another point to be noted here is that the listing of this scrip shall be post budget so any favourable or adverse policy changes are likely to impact.

GoodReturns.in



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Bajaj Finance Q3 net falls 30% at ₹1,049 crore

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Bajaj Finance Ltd (BFL) reported a 30 per cent decline in third quarter standalone net profit at ₹1,049 crore against ₹1,488 crore in the year-ago period as due to an increase in loan-loss provisions and interest reversals.

Interest income was about 9 per cent lower year-on-year (y-o-y) at ₹4,973 crore in the reporting quarter. Fees and commission income nudged up about 1.50 per cent y-o-y to ₹665 crore.

Finance costs declined about 9 per cent y-o-y to ₹1,870 crore. Loan-loss provisions jumped 52 per cent y-o-y to ₹1,245 crore.

Net interest income (difference between interest earned and interest expended) declined 7 per cent y-o-y to ₹3,977 crore, as per the company’s presentation.

AUM on the decline

The non-banking finance company’s (NBFC) assets under management (AUM) declined 6 per cent y-o-y to ₹1,09,598 crore as of December-end 2020.

“Most businesses have started disbursing 85-100 per cent of last year’s volumes with incremental growth being observed every month…

“In Q3 (October-December), loan disbursements (business to customer, small and medium enterprises, rural, mortgages) were at 81 per cent of last year’s disbursements,” said BFL.

Mortgages AUM growth for the quarter was ₹770 crore against ₹3,700 crore in Q3 FY20 due to significant portfolio attrition caused by pricing pressures, the company said, adding that it has taken pricing actions to revert to pre-Covid growth levels by Q4 FY21 / Q1 FY22.

As per the presentation, commercial business AUM grew by 15 per cent. Loan against securities business AUM de-grew by 22 per cent.

The company expects core AUM growth to resume to pre-Covid levels by Q4 FY21.

In its notes to accounts, the company observed that during the quarter, as a matter of prudence, it has written off principal and interest amounts (including capitalised interest) of ₹1,970 crore and ₹365 crore, respectively, of potentially unrecoverable loans, which were under moratorium, by utilising the available expected credit loss provision (including management overlay).

Post such write off, the company holds a management overlay of ₹ 660 crore as of December 31, 2020.

GNPAs and NNPAs

Gross non-performing assets (NPAs) and net NPAs (based on the Supreme Court’s interim order of not classifying customers as NPA after August 31, 2020) stood at 0.55 per cent and 0.19 per cent, respectively, as of December-end 2020.

Adjusted GNPAs and NNPAs (including the proforma slippages, whereby the Supreme Court directed banks that the accounts which were not declared NPA till August 31, 2020, shall not be declared NPA till further orders) stood at 2.86 per cent and 1.22 per cent, respectively.

GNPAs and NNPAs as of December-end 2019 stood at 1.61 per cent and 0.70 per cent, respectively.

BFL reported a 29 per cent decline in consolidated (including the financial results of subsidiaries Bajaj Housing Finance and Bajaj Financial Securities) net profit at ₹1,146 crore against ₹1,614 crore in the year-ago quarter.

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5 Banks That Offer Higher Interest Rate Up to 6.6% On 1-Year FDs

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1 Year FD Rates

Banks ROI in % per annum for general public
Equitas Small Finance Bank 6.60
IndusInd Bank 6.50
RBL Bank 6.50
Ujjivan Small Finance Bank 6.50
DCB Bank 6.25

Taxation

Taxation

By saving up to Rs.1.5 lakh in a tax-saver fixed deposit account, you can reap the benefits of the income tax deduction clause under Section 80C of the Income Tax Act. That being said, you must remember that the account’s interest income is completely taxable. For the financial year, the tax burden is totally contingent on the total income and your tax slab. The interest you receive from FDs falls under the classification ‘Income from Other Sources’. Moreover, if the interest received surpasses Rs.40,000 in a financial year from all the accounts kept with the bank, banks subtract tax at source. In order to validate the specifics of the deduction, a TDS certificate will be provided.

Importance of FD on your personal finance

Importance of FD on your personal finance

For those individuals who don’t want to take the uncertainty, fixed deposit banks are an outstanding investment option. You should go for FD accounts if you want to retain the money over the years and are not searching for increasing wealth or if you are seeking for healthy returns. The capital is deposited in FD accounts by many pensioners, who have a lump sum stemming from retirement so that the monthly interest benefit from the investment can be used as regular expenses. For the benefit of your kids or minors, you should even put aside a lump sum, so they can use the amount for higher education at a later date. If you are trying to create an emergency fund, you must consider FD undoubtedly.

Tips to opt the best-fixed deposit scheme

Tips to opt the best-fixed deposit scheme

Here are some significant considerations that should be considered by any FD investor to optimize good returns:

  • For savers, the interest rate for a given tenure is of key significance. For various tenure preferences, some banks have high FD interest rates. You must first have a clear financial target in mind in order to pick the best possible FD scheme. You can check for a bank that offers the best FD interest rate in the tenure in which you can remain invested but only after considering your financial target.
  • As described above, when determining the right fixed deposit plan, the duration you can deposit your money is a significant factor. Banks have fixed tenure deposits that range from 7 days to 10 years. Based on the financial purpose, you can still invest in a fixed deposit and pick the deposit tenure that fits your goal.
  • A plethora of companies are currently paying higher FD interest rates, but some risk must be noted. Deposits are always recommended for scheduled banks and NBFCs that are approved by ICRA, CRISIL, and so on.
  • And, you can choose company funds dependent on the credit scores on deposits issued if you choose to contribute towards Corporate Fixed Deposits. Company deposits with strong credit scores are deemed healthy (e.g. FAAA, FAA). These scores display a layer of safety with respect to the prompt payment of interest and principal.
  • To verify and compare FD rates of different banks and the maturity amount you will earn on the maturity of your deposit you must go for a Fixed Deposit Calculator. By selecting your deposit amount, tenure, and the relevant fixed deposit rate you can determine your maturity amount. In this aspect, since they have an estimate of returns, individuals can manage their investments carefully.
  • While deciding the right fixed deposit scheme, the payout alternative offered by your bank also serves a significant role, 2 types of fixed deposits are issued by banks in India, i.e. Cumulative and Non-Cumulative FDs. The FD interest will be compounded per quarter, half-year or year under a Cumulative FD Scheme, but will be paid at the completion of the deposit period. You will be paid per quarter, half-year or year under a Non-Cumulative FD Scheme, based on the payout level you have decided with. Mostly for senior citizens who want regular income for their retirement, it is ideally suggested. Alternatively, you must consider cumulative FDs for compounding interest rates if you’re a salaried individual.



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Sundaram Finance names Rajiv Lochan as its next Managing Director

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Chennai headquartered Non-Banking Finance Company Sundaram Finance has announced that Managing Director TT Srinivasaraghavan will retire on March 31, 2021 and Rajiv Lochan will become the next Managing Director from April 1.

Rajiv Lochan is now Director (Strategy) at Sundaram Finance and before this he was the Managing Director of Kasturi & Sons.

The Company’s Board met today to finalise the changes, a company statement said.

As part of the management rejig, Harsha Viji, Deputy Managing Director, will assume the office of Executive Vice-Chairman, and take responsibility for the overall strategy and direction of Sundaram Finance and other group companies in financial services space. AN Raju, Director (Operations), will become Deputy Managing Director of the Non-Banking Finance Company.

TT Srinivasaraghavan, Managing Director of Sundaram Finance, completes his term of office on March 31, 2021, and is retiring from service after 38 years with the company, the last 18 years as Managing Director.

Under Srinivasaraghavan’s tenure as Managing Director, the company has grown its balance sheet from under ₹800 crore to over ₹30,000 crore today. Over the last two decades, Srinivasaraghavan also led the diversification of the group from its traditional focus on medium and heavy commercial vehicles to a multi-product diversified financial services provider.

“Under Srinivasaraghavan’s leadership, the company has demonstrated its traditional focus on asset quality, and its adherence to “Sundaram Values” of prudence and customer focus. The company and its shareholders owe a debt of gratitude for his service,” said S Viji, Chairman, Sundaram Finance.

However, TT Srinivasaraghavan will remain on the board and play a mentorship role

On his long stint in Sundaram Finance, TT Srinivasaraghavan, who is known as TTS, said: “it has been a great privilege and honour to lead this outstanding group of people who make up Team Sundaram, over all these years.

“Our enduring commitment to the Sundaram Values will ensure that Sundaram Finance scales greater heights under the new leadership team,” he added.

“The strength of Sundaram Finance lies in its blend of tradition and service with cutting edge management processes and technology. This gives us a strong platform to grow in the years to come, and I look forward to the challenge and responsibility of leading ‘Team Sundaram’ to greater heights,” said Rajiv Lochan.

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Airtel Payments Bank launches ‘Airtel Safe Pay’

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Our Bureau

To protect Airtel customers from the growing incidents of online payment frauds, Airtel Payments Bank has launched ‘Airtel Safe Pay’, a safe way to pay digitally.

With ‘Airtel Safe Pay’, Airtel customers making UPI or net banking-based payments through Airtel Payments Bank, no longer have to worry about money flowing out of their accounts without their explicit consent.

An India-First innovation, ‘Airtel Safe Pay’ leverages Airtel’s ‘telco exclusive’ strength of network intelligence to provide an additional layer of payment validation, compared to the industry norm of two-factor authentication.

This offers the highest level of protection from potential frauds such as phishing, stolen credentials or passwords, and even phone cloning that catches customers unaware.

Anubrata Biswas, MD and CEO, Airtel Payments Bank, said in a statement: “As digital payments become the norm, especially in the post-pandemic world, we also have to solve for the challenge of frauds that are growing rapidly. We are happy to leverage Airtel’s core telco strengths to bring to market this unique capability that ensures that our customers have full control over their transactions. This sets a new benchmark in the Indian digital payments space by making security paramount.”

Adarsh Nair, Chief Product Officer, Bharti Airtel, said: “Airtel Safe Pay is yet another innovation where our network and digital platforms combine to solve a unique market problem. At Airtel, we are taking the lead in offering the most secure digital payments platforms to our users and making sure that the customer is always in control without a worry about rogue transactions.”

Using ‘Airtel Safe Pay’, Airtel Payments Bank customers can make secure digital payments across millions of merchants, online retailers and utilities, and even send money.

Customers can open an Airtel Payments Bank account within few minutes with just a video call from the Airtel Thanks app and enjoy a range of benefits while they make fully secure digital payments.

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