Deepak Pande, CFP
The Real Power of Compounding
Introduction: Let’s understand the compound interest concept by going back to school days. The compound interest means – not only an...
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Deepak Pande, CFP
May 22, 20222 min read
Card-less ATM Cash Withdrawal - RBI Notification
Introduction: Some banks, namely, Axis Bank, Bank of Baroda, ICICI Bank and SBI, among others, are already offering card-less ATM cash...
Deepak Pande, CFP
Jul 6, 20213 min read
DICGC Contemplating Risk-based Premia on Bank Deposits
Background Post independence, Banking crises in Bengal in 1948, brought the concept of insuring bank deposits to fore. However, it...
Deepak Pande, CFP
May 2, 20213 min read
Is PPF Account Losing its Sheen?
Introduction Public Provident Fund (PPF) was first introduced in the year 1968, which has been overridden by new PPF scheme 2019. PPF...
Deepak Pande, CFP
Apr 21, 20213 min read
National Pension System and its benefits
Background: GoI set up Pension Fund and Regulatory and Development Authority (PFRDA) on 10th October, 2003, to develop and regulate...
Deepak Pande, CFP
Jan 19, 20212 min read
Mutual Fund - ESG Schemes
ESG description ESG stands for Environmental, Social and Governance. ESG schemes are blend of equity and/or bond portfolios, which...
Deepak Pande, CFP
Aug 14, 20203 min read
How Banks' are Likely to Counter COVID-19 Storm
Corporate and commercial banks would be playing catalyst role to bring back economy on the revival path during the pandemic, and in...
Deepak Pande, CFP
Jun 28, 20203 min read
RBI Gets Supervision of Urban, multi-State Cooperative Banks
Cooperative Banks and its Structure Cooperative Banks are institutions founded on cooperative basis and dealing in retail and commercial...
Deepak Pande, CFP
Jun 21, 20203 min read
Social Banking & Financial Inclusion
Objective The Government commenced process of social banking and financial inclusion almost 51 years back when 14 banks owned by private...
Deepak Pande, CFP
Jun 10, 20203 min read
Dwindling Fixed Deposit Interest Rates
With the RBI slashing repo rate by 75 basis points and 40 basis points on March 27, 2020 and May 22, 2020 respectively, the scheduled...
Deepak Pande, CFP
May 26, 20202 min read
Mutual Fund SIP Inflows Steady
Systematic Investment Plan is a regular, disciplined and long term approach for a sound financial health though investment returns are...
Deepak Pande, CFP
Apr 23, 20202 min read
Certificate of Deposit
Certificate of Deposit (CD) is a negotiable money market instrument, which can be issued by Scheduled Commercial Banks (excluding...
Deepak Pande, CFP
Dec 19, 20192 min read
Exchange Traded Funds (ETFs) as Investment Vehicle
There are active investors as well as passive investors where active investor directly purchases stock from the stock markets whereas...
Deepak Pande, CFP
Nov 28, 20193 min read
Chit Funds in India
HISTORY: Chit funds history goes back to more than 1000 years in India. It started as an informal association of traders, farmers and...
Deepak Pande, CFP
Nov 3, 20192 min read
Passive Investing
In the developed countries, Mutual Fund (MF) Assets under Management (AUM) has raced past Bank deposits whereas the scenario in India is...
Deepak Pande, CFP
Oct 11, 20192 min read
Payment Options for Feature Phone Users in India
While internet connectivity plays a vital role in digital payments methods, smart phone users are limited to 17% of the mobile phone...
Deepak Pande, CFP
Oct 10, 20192 min read
Offline and Online Payment Methods
Offline Payment Methods Offline payment indicates that funds are transferred at a later date. Offline methods don’t charge customers...
Deepak Pande, CFP
Oct 8, 20192 min read
Payment and Settlement in India
The Payment and Settlement Systems in India for financial transactions are regulated and supervised by Reserve Bank of India through The...
Deepak Pande, CFP
Sep 15, 20192 min read
Side Pocketing in Mutual Funds
Side Pocketing is a term used in MF Parlance when a company defaults that form part of the debt MF scheme. It is the splitting of a debt...
Deepak Pande, CFP
Aug 19, 20192 min read
How to Claim House Rent Exemption?
With the IT Return filing date for individuals and HUF is round the corner, it is all the more important to understand exemption...
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