Author: root

Axis Bank’s Thapar, BFSI News, ET BFSI

Banking & Finance

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Misconfiguration is one of the key risks to cyber attacks, said Rajesh Thapar, the chief information security officer of Axis Bank. Banks may bring in the best tool or technology but if it isn’t configured right, you are opening doors to cyber risks, he added.

Banks are facing an unprecedented surge in cyber attacks, and the nature of these attacks are constantly evolving the complex theft landscape.

While ransomware attacks, Denial of Service (DOS) attacks, phishing are common, with more digitalisation, the nature of such attacks is changing.

“Cyber risk is now becoming a business risk. Earlier cyber risk was a cyber risk from infrastructure perspective but today, with all the digitalisation happening, cyber risks are more becoming a business risk as it can impact a customer’s confidentiality which can lead to customer distrust. It can impact regulations, the company can be non compliant to some of the legislations and get penalties for it “, added Thapar.

Balancing customer experience alongwith security in an organisation is necessary yet complicated. Now, there is a huge pool of data, which needs to be protected and this data is the first target for hackers.

Manish Sinha, director sales engineering, India and SAARC at McAfee Enterprise, said “The risk is not just hackers attacking these data threads, the threat is them selling it away to third parties, which is more harmful to the organisation in all ways. Data leakage is a serious concern. To battle it what’s required is a unified approach for data protection in a holistic manner across the banking platforms.”

Misconfiguration a key risk to cyber attacks: Axis Bank's Thapar

Cyber attackers and hackers are being very sophisticated now in their attacks. The average dwell time of these hackers in the network, before being discovered, is increasing. More the dwell time, greater the damage, making time a very critical factor of the extent of cyber attacks.

“Security operation models are evolving. The identification and prevention of cyber threats and attacks were in a periodic cycle of assessments but now it will be in a continuous cycle of assessments. Attacks are happening all the time so organisations will need to carry out the continuous assessment model to beat cyber threats and attacks”, said Thapar.

Talking about the future model to control cyber attacks, Sinha said that the bigger challenge for the next generation cyber security teams is to prioritise the threats after identifying it. “This should come from alot of AI based engines or algorithms, which are running, and also from global threat intelligence, which can relate to the threat actors from the banking space globally, and finally look out to the regional advisories,” he said.



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This Private Sector Bank Revises Interest Rates On Savings Accounts

Personal Finance

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Investment

oi-Vipul Das

|

Bandhan Bank, one of India’s most well-known and leading private-sector lenders, has revised its interest rates on saving bank deposits. Bandhan Bank has more than 5000 banking outlets spread across 34 of India’s 36 states and union territories, and more than 2 crore active customers across the country. On November 1, 2021, the bank updated its interest rates on domestic and non-resident rupee savings deposits.

This Private Sector Bank Revises Interest Rates On Savings Accounts

Following the most recent revision, an interest rate of 3% per annum will be applied to amounts up to Rs. 1 lakh, 5% per annum will be applied to incremental balances over Rs 1 lakh up to Rs 10 lakh, 6% per annum will be applied to incremental balances over Rs 10 lakh up to Rs 2 crore, and 5% per annum will be applied to incremental balances over Rs 2 crores up to Rs 10 crores. These interest rates will be determined regularly depending on the account’s end-of-day balance. These interest payments are made by the bank at every calendar quarter on June 30, September 30, December 31 and March 31.

Bandhan Bank Savings Account Interest Rates

Domestic and Non-Resident Rupee Savings Bank Account Interest Rate (p.a.)
Daily Balance up to Rs 1 lakh 3.00%
Daily Balance above Rs 1 lakh to Rs 10 lakh 5.00%
Daily Balance above Rs 10 lakh to Rs 2 crore 6.00%
Daily Balance above Rs 2 crore to Rs 10 crore 5.00%
Domestic / Non-Resident Rupee Savings Deposit Interest Rate Chart, w.e.f. November 1, 2021

On the other hand, Punjab National Bank is also all set to revise savings account interest rates on 1st December 2021. Saving Fund Account Balances of less than Rs. 10 lakh will drop 10 basis points effective from December 1, 2021, while Saving Fund Account Balances of Rs. 10 lakh and above will forfeit 5 basis points. To know in brief, please click here.

Story first published: Sunday, November 28, 2021, 20:49 [IST]



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FPIs net buyers in November; invest Rs 5,319 crore, BFSI News, ET BFSI

Personal Finance

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New Delhi: Foreign portfolio investors (FPI) have pumped in a net sum of Rs 5,319 crore in Indian capital markets despite a massive correction seen in equities over the last fortnight. In October, they were net sellers to the tune of Rs 12,437 crore.

As per depositories data, overseas investors put in a net Rs 1,400 crore into equities and Rs 3,919 crore into the debt segment between November 1-26.

This translated into total net investment of Rs 5,319 crore.

“Since FPIs have been holding large quantity of banking stocks, they have been major sellers in this segment. Sustained selling has made banking stocks attractive from the valuation perspective,” said VK Vijayakumar, Chief Investment Strategist at Geojit Financial Services.

He further noted that sharp correction in the market on 26th November has been mainly triggered by concerns arising out of the new strain of the virus spotted in South Africa, Botswana and Hong Kong.

“Despite recent correction, the markets continue to be at elevated levels and hence FPIs would have booked profits,” said Himanshu Srivastava, Associate Director – Manager Research, Morningstar India.

Trend reversal on a weekly basis has become a norm with respect to FPI flows in the Indian debt markets, he added.

FPIs would be closely watching the spread of the new coronavirus variant and its possible impact on the growth globally.

Higher valuation is also a concern which may continue to trigger profit booking at regular intervals, he said.

“Future of FPI flows is expected to remain volatile given key events such as upcoming state elections, expectation of rise in interest rates and concerns a new Covid variant will prompt fresh mobility restrictions, hindering economic recovery,” said Shrikant Chouhan, Head – Equity Research (Retail), Kotak Securities.



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PNB Gold Monetization Scheme: All You Need To Know About

Personal Finance

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Eligibility Criteria

To make gold deposits, resident Indians of the following categories are eligible according to the bank.

  • Individuals
  • HUFs
  • Proprietorship & Partnership firms
  • Trusts including Mutual Funds/Exchange Traded Funds registered under SEBI (Mutual Fund) Regulations
  • Companies or charitable institutions
  • Central Government
  • State Government or any other entity owned by Central Government or State Government.
  • Joint accounts of two or more eligible depositors are also permitted under the scheme, and such deposits will be credited to a joint bank account maintained in their names.

Type of deposit

Type of deposit

A deposit of at least 10 grams of gold with no maximum limit can be made, and the following are the types of deposits that can be made under the scheme. Note that on behalf of the Central Government, the bank will consider Medium Term and Long Term deposits. The scheme accepts gold in its purest form, such as gold bars, coins, and jewellery. Customers must submit an application form, proof of identity, proof of address, and an inventory form while making their deposits.

Type of Scheme Tenor (in Year)
Short Term Bank Deposit (STBD) 1-3
Medium Term Government Deposit (MTGD) 5-7
Long Term Government Deposit (LTGD) 12-15

Rate of interest and payment

Rate of interest and payment

The deposit on a Short Term Bank Deposit (STBD) is represented in gold, and the interest is computed using the current value of gold at the time of deposit. On maturity, the interest rate for the withdrawal period will be 2.25 percent per annum for Medium Term Government Deposits and 2.50 percent per annum for Long Term Government Deposits. The deposit underlying Medium Term and Long Term deposits will be represented in gold. The interest, on the other hand, will be paid in Rupees on the 31st of March each year or at maturity, whichever comes first. The depositor will have the choice of receiving simple interest payments yearly or cumulative interest payments at maturity.

(i) Short Term Bank Deposit(STBD):
Period Rate of Interest PA
1 year 0.50%
Above 1 year up to 2 years 0.60%
Above 2 years up to 3 years 0.75%

Premature withdrawal

Premature withdrawal

Premature withdrawal from a Short Term Bank Deposit (STBD) may be authorised. However, no interest will be paid if the deposit is withdrawn before one year has elapsed from the commencement of the deposit. In all other circumstances, a 0.15 percent penalty will be applied. Premature withdrawals are also permitted on medium-term deposits at any time after three years with a penalty on interest, and on long-term deposits at any time after five years with a penalty on interest. Furthermore, any early redemption will be in INR equivalent or gold at the bank’s sole discretion.



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Visa complains to US govt about India backing for local rival RuPay, BFSI News, ET BFSI

Personal Finance

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Visa Inc has complained to the U.S. government that India’s “informal and formal” promotion of domestic payments rival RuPay hurts the U.S. giant in a key market, memos seen by Reuters show.

In public Visa has downplayed concerns about the rise of RuPay, which has been supported by public lobbying from Prime Minister Narendra Modi that has included likening the use of local cards to national service.

But U.S. government memos show Visa raised concerns about a “level playing field” in India during an Aug. 9 meeting between U.S. Trade Representative (USTR) Katherine Tai and company executives, including CEO Alfred Kelly.

Mastercard Inc has raised similar concerns privately with the USTR. Reuters reported in 2018 that the company had lodged a protest with the USTR that Modi was using nationalism to promote the local network.

“Visa remains concerned about India’s informal and formal policies that appear to favour the business of National Payments Corporation of India” (NPCI), the non-profit that runs RuPay, “over other domestic and foreign electronic payments companies,” said a USTR memo prepared for Tai ahead of the meeting.

Visa, USTR, Modi’s office and the NPCI did not respond to requests for comment.

Modi has promoted homegrown RuPay for years, posing a challenge to Visa and Mastercard in the fast-growing payments market. RuPay accounted for 63% of India’s 952 million debit and credit cards as of November 2020, according to the most recent regulatory data on the company, up from just 15% in 2017.

Publicly, Kelly said in May that for years there was “a lot of concern” that the likes of RuPay could be “potentially problematic” for Visa, but he stressed that his company remained India’s market leader.

“That’s going to be something we’re going to continually deal with and have dealt with for years. So there’s nothing new there,” he told an industry event.

‘NOT SO SUBTLE PRESSURE’Modi, in a 2018 speech, portrayed the use of RuPay as patriotic, saying that since “everyone cannot go to the border to protect the country, we can use RuPay card to serve the nation.”

When Visa raised its concerns during the USTR gathering on Aug. 9, it cited the Indian leader’s “speech where he basically called on India to use RuPay as a show of service to the country,” according to an email U.S. officials exchanged on the meeting’s readout.

Finance Minister Nirmala Sitharaman said last year that “RuPay is the only card” banks should promote. The government has also promoted a RuPay-based card for public transportation payments.

While RuPay dominates the number of cards in India, most transactions still go through Visa and Mastercard as most RuPay cards were simply issued by banks under Modi’s financial inclusion programme, industry sources say.

Visa told the U.S. government it was concerned India’s “push to use transit cards linked to RuPay” and “the not so subtle pressure on banks to issue” RuPay cards, the USTR email showed.

Mastercard and Visa count India as a key growth market, but have been jolted by a 2018 central bank directive for them to store payments data “only in India” for “unfettered supervisory access”.

Mastercard faces an indefinite ban on issuing new cards in India after the central bank said it was not complying with the 2018 rules. A USTR official privately called the Mastercard ban “draconian”, Reuters reported in September.



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Analysts, BFSI News, ET BFSI

Personal Finance

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Stock markets this week will be driven mostly by updates related to the new coronavirus variant that sent equities tumbling globally on Friday, macroeconomic data announcements and auto sales numbers, analysts said. A World Health Organisation panel has named the new COVID strain ‘Omicron‘ and classified it as a highly transmissible variant of concern, the same category that includes the Delta variant.

The potentially more contagious Omicron was first reported to the WHO from South Africa on November 24, and has also been identified in Botswana, Belgium, Hong Kong and Israel. Many countries have introduced travel bans and restrictions on southern African countries in an effort to contain Omicron’s spread.

“New COVID variant, FIIs’ behaviour along with macro numbers will be key factors to drive the market this week. COVID related developments will remain key triggers for the market where the market will remain keenly interested to know the efficacy ratios of various vaccines against a new variant of COVID whereas restrictions-related news across the globe will also cause volatility,” said Santosh Meena, Head of Research, Swastika Investmart Ltd.

The Sensex nosedived 1,688 points on Friday amid concerns over the new coronavirus variant that also led to rout in global markets.

Yesha Shah, Head of Equity Research, Samco Securities, said, “Post Q2 result season, Dalal Street will look towards macros for hints to move the needle in broader markets. Inflation being a key factor will be at the centre of all news in the next two weeks since the RBI MPC meet is scheduled in December. November monthly auto sales number can be a trigger to drive some movement this week.”

Among macroeconomic data, PMI numbers for manufacturing and services sectors would also be tracked.

“Equity markets in the near term will closely follow the impact of new COVID variant, inflation data, and Central Bank policies,” said Shrikant Chouhan, Head of Equity Research (Retail), Kotak Securities Ltd.

During the last week, the BSE benchmark plunged 2,528.86 points or 4.24 per cent. PTI SUM MR



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Covid resurgence will force RBI to keep the monetary tap open, bond market shows, BFSI News, ET BFSI

Personal Finance

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NEW DELHI: Central banks around the world sure have their work cut out. Just when monetary authorities were preparing the ground for a reversal of ultra-loose policies adopted in response to the coronavirus crisis, the virus, it seems, has taken new and potentially more dangerous avatars.

From bracing for interest rates in major economies to head northward sooner than later, global bond markets on Thursday took a 360-degree turn.

With a new and possibly even more deadly variant of the coronavirus being detected in South Africa, Botswana and Hong Kong, a fresh outbreak of the disease may well be on the cards. When this is coupled with a recent resurgence of Covid-19 in Europe — which has been accompanied by attendant restrictions on activity — the risk to global growth has intensified significantly.

The price action in global bond markets on Thursday showed this. Instead of getting ready for imminent policy normalisation, the bond markets seemed to be expressing the view that monetary accommodation would stay for a while longer. Yields on 10-year US Treasury papers nosedived a whopping 12 basis points on Thursday and were last at 1.51 per cent.

Clearly, investors are betting on the helping hand of central bank interventions to return.

THE INDIAN STORY
Indian sovereign bonds on Thursday enjoyed their best day in three-and-a-half weeks, with yield on the 10-year benchmark 6.10 per cent 2031 paper dropping four basis points.

Prior to the detection of the fresh variant in South Africa, a strong view in the market was that the Reserve Bank of India would start the process of raising interest rates at its next policy statement, on December 8, by raising the reverse repo rate and, therefore, narrowing the width of the liquidity adjustment facility corridor.

The central bank has already paved the way for the step as the quantum of funds withdrawn and the cutoff rates set at variable rate reverse repo operations has pushed rates on money market instruments closer to the repo rate of 4 per cent rather than the reverse repo rate of 3.35 per cent.

However, even as money markets may have aligned to the new expectation of the reverse repo rate, the act of raising it would itself have significant implications – namely that the ultra-loose accommodation is now well and truly going to be reversed. Because one would hardly expect the central bank to reverse its stance once it has officially started the process of lifting interest rates.

Now, however, market players are betting that there is a strong possibility that Governor Shaktikanta Das will keep all rates on hold and say that the central bank wishes to obtain more clarity on the global situation (and the spillovers for India) before raising any benchmark rates.

For India, another salutary impact of the new risk to global growth is a decline in international crude oil prices. Even as the government has reduced excise duty on petroleum products, the extent of the rise in oil prices over the last couple of months had emerged as a significant risk to domestic inflation, while worsening the outlook on the trade deficit.

Crude oil futures on the New York Mercantile Exchange slumped 3 per cent on Thursday, while Brent crude, the global benchmark, shed 2.2 per cent.

“The market’s view is changing; that is clearly perceptible from today’s move,” ICICI Securities Primary Dealership’s head of trading and executive vice-president Naveen Singh said. “There was almost a consensus that the reverse repo will be hiked, especially as market rates have aligned to a higher rate. But now there is a view that the RBI will maintain the status quo and wait for more details about whatever is happening in Africa and Europe. Because they cannot hike and then cut again if Covid were to worsen.”

While the yield on the 10-year benchmark bond may face hurdles when it comes to falling below the psychologically significant 6.30 per cent mark, for now, traders do not see it revisiting the 6.40 per cent mark, where it was hovering around a couple of weeks ago.

Hardening inflation can take a backseat for now, bond traders seem to be saying. The spotlight has once again squarely turned on protecting economic growth from what seems to be a hydra-like disease – two new heads sprout whenever one is severed.



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Upcoming Bonus Share Issues In December 2021

Personal Finance

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1. NCL Research & Financial Services :

In its October 11, 2021 board meet, the members approved issuance of Bonus Equity Shares of Rs. 1/- each in the ratio of 1:1 (i.e. bonus issue of 1 share for every 1 share held by members as on record date. The ex-bonus date for the announced bonus is December 2, 2021, while the record date is December 3, 2021.

Earlier the company in the year 2014 announced bonus share issuance in the ratio of 4:1.

For the September ended quarter, the company’s revenue from operations declined q-o-q to Rs. 32.27 lakhs, while other income was at Rs. 8.5 lakh. Total expenses at the firm declined to Rs. 24.92 lakh. Consequently profit for the period surged to Rs. 11.72 lakhs.

Incorporated in the year 1985, the company is engaged in the trading of textile products in addition to investing in shares and securities.

The scrip last traded at a price of Rs. 6.57 per share on the BSE. NCL Research is not traded over the NSE.

2.Apollo Pipes:

2.Apollo Pipes:

The plastics sector company on October 22 announced bonus share issuance in the ratio of 2:1. The stock will turn ex-bonus on December 2, 2021 and its record date is December 4, 2021

For the just concluded September quarter of Fy 22, the company’s total income increased to Rs. 208.28 crore as against Rs. 125.23 crore reported in the same quarter a year ago. Also, the company’s net profit recorded an YoY surge and came in at Rs. 14.05 crore.

This is a small cap leading PVC pipe manufacturer in the country. The company’s offerings range across bath fitting, agriculture system, borewell system, plumbing, water storage etc.

The stock in the last 1-year has provided returns of 168%, while its YTD return have also been at a decent 146 percent. Mutual funds have increased their holding in the scrip in the September 2021 quarter to 9.06 percent. Likewise, DIIs have also been continuously raising their stake in the firm.

3. Indian Energy Exchange:

3. Indian Energy Exchange:

On October 21, the company’s board announced a bonus issue in the proportion of 2:1, which was subject to shareholders’ approval. Likewise, the company has obtained shareholders’ consent for the issuance of bonus shares and fixed December as the record date for determining the eligibility of shareholders who will be eiligible to receive the said bonus shares. The stock’s ex-bonus date is December 3, 2021.

In the September ended qtr., the company logged a 69% YoY increase in standalone net profit to Rs. 78 crore as against Rs. 46 crore in the same quarter during a year ago period. Last on the equities meltdown seen on Novermber 26, the scrip of IEX settled at Rs. 752.9, down over 3 percent. Nevertheless, on a year to date basis and 1-year basis it gave return of 230% and 254%, respectively.

Both the number and % holding in the scrip by mutual funds as well as FII/FPIs has been increased in the September quarter.

INDIAN ENERGY EXCHANGE (IEX) is the country’s first and top electricity exchange. It is a transparent, neutral, demutualised, nationwide, automated, online electricity trading platform.The company facilitates efficient price discovery and price risk management for participants of the energy market.

4. Panchsheel Organics:

4. Panchsheel Organics:

The pharma sector company on October 16 announced bonus share issuance in the ratio of 1:1. The ex-bonus date for the same is December 6, 2021. Via an exchange filing, the company informed about the revised record date to be as December 7 from the earlier December 3. The filing said ” the Company has revised the Record Date from December 3, 2021 to December 7, 2021 for the purpose of ascertaining the eligibility of the shareholders entitled for issuance of Bonus Equity Shares of the Company in the proportion of 1:1 i.e. 1 (One) Equity Share of Rs. 10/- each for every 1 (One) Equity Share of Rs. 10/- each, subject to approval of the Members on the issuance of Bonus Shares which will be sought at the ensuing Extra-ordinary General Meeting of the Members of the Company to be held on November 29, 2021″.

Panchsheel Organics an ISO 9001 : 2008 CERTIFIED, GMP approved public listed company (with listing on BSE) are manufacturers and exporters of Active Pharma Ingredients(APIs), Intermediates & Finished Formulations (both Human & Veterinary) having a wide experience of more than three decades in the healthcare field.

Disclaimer:

Disclaimer:

Disclaimer: Notably, the stocks listed are just to given an idea on the likely companies’ that will be issuing bonus shares in the near future and is not a recommendation to buy in these shares listed.

GoodReturns.in



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Tax Query: How to get TDS certificate from mutual funds?

Personal Finance

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I have a few doubts with respect to my ITR for FY 2020-21 i.e. current AY 2021-22. I have invested ₹20,000 in Templeton India Equity Income Fund in 2006 under NFO. Since then periodical dividends declared under the scheme are getting credited to my savings a/c through ECS regularly and are accounted for in my ITR returns of the respective financial years. Since the Finance Act 2020 is modified and the dividends are now taxable in the hands of investors, the mutual fund has deducted TDS and paid the balance of the dividend to my savings account. Since I have not received Form 16 A for the TDS made by the mutual fund, I have sent a mail to the RTA of the MF. Initially, they have asked for a self-attested copy of my PAN card which I have provided to them. Now the RTA has replied that my PAN was not registered in FY2020-21 with them and was registered subsequently and hence, they are unable to fetch the TDS certificate for the FY2020-21. Since, the TDS was deducted on the dividend amount paid to me, kindly inform me how I can obtain TDS certificate and show them in my returns.

I also request you to kindly inform me how to show them in the current ITR in the absence of Form 16A.

Further, I am a retired pensioner and an amount of ₹15 lakh is invested in PMVVY Scheme and am receiving quarterly amount. Please clarify under what head should the amount be shown. Apart from my pension, during the year I have incomes including interest on bank deposits, dividend income from shares and MFs, interest income from NCDs, sovereign gold bonds, savings bank A/c, infra bonds, interest on NHAI tax-free bonds and short term & long-term capital gains. I have one self-occupied house property. My total income during the year is less than ₹50 lakh and I do not have any agriculture income. In the light of the above, I request you to kindly inform me which ITR return I have to file?

Rama Krishna

Dividend shall be taxable under the head ‘Income From Other Sources’ (IFOS) as per the Act. If your PAN is available with brokerage company/fund manager, the taxes deducted would be reported in your Form 26AS based on which the TDS credit can be claimed in the tax return. Where the company has not deposited the TDS/filed the TDS return, due to absence of your PAN details, you are required to complete the KYC formalities and provide the scanned copy of PAN to enable them to do the needful.

Pension income earned from Prime Minister Vaya Vandana Yojana Scheme (PMVVY) of LIC of India is fully taxable and shall be reported under the head IFOS. Please be informed that bank interest, dividend income from shares/mutual funds, interest income from infrastructure bonds, NCDs and sovereign gold bonds shall be taxable under the head IFOS. Short term capital gain/long term capital gain on sale of shares needs to be reported under the head capital gains.

Considering your income pattern, you are required to file ITR 2 for the FY 2020-21.

In the issue dated September 5, 2021, you have mentioned that if money is gifted to relatives, any interest earned out of that will be taxed in the hands of the recipient only. In a similar manner If shares allotted in an IPO are gifted to spouse, and if they are sold within a period of one year, will the short term capital gain be taxed in the hands of the recipient of the gift? If yes, what sort of record should be kept?

Niranjan

Your spouse is not required to pay any tax on receiving shares from you as a gift. However, Section 64(1)(iv) of the Act provides for clubbing of income in the hands of the transferor when assets are transferred for inadequate consideration. Providing gifts to your spouse would amount to transfer for inadequate consideration. Accordingly, any gains arising from sale of such shares is taxable in your hands. Besides documentation evidencing cost of acquisition of shares, sale consideration, selling expenses, etc., and documentation related to gift (like gift deed) needs to be kept on record.

The writer is Partner, Deloitte India

Send your queries to taxtalk@thehindu.co.in

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