Finology Blog - Latest Updates & News on Finance and Legal in India

Entrepreneurship

Drone Delivery: DGCA permits drone testing for food delivery platforms

Technology is taking over human beings and that’s the reason automation is slowly becoming the most sought-after industrial aspect. Manufacturing has cut off human intervention to a certain extent and now it’s the turn of services. Driverless Cars, robots, drones etc. Are replacing humans and we might soon enter a world where their population (and importance) would be way more than human beings. And, this is happening globally.

Economy

How Big is the Tata Group of industries?

Nothing worthwhile is ever achieved without deep thought and hard work.”-JRD Who else can be shown as an example for the above saying than the Tata themselves? The Tatas have occupied a very high position in the corporate sector using the magic of hard work. The Tata group has set its foot on almost every product you can think of. From salt to luxury hotels, they turned everything they touched into gold. It’s time to turn the pages of history to find out how it all started.

Economy

Has the auto industry revival started from May?

Suppose you are stranded in a desert and you’ve lost your way back. After walking a few miles, you would see only one thing – endless desert. And, one thing which will trouble you the most would be thirst. With increasing level of thirst you would feel more disgusted. But, what if you spot an oasis? Your hope of staying alive will rejuvenate and that would probably be the best feeling in the world. Such hope has probably been found by ailing auto sector as well.

Legal

Revised India’s Foreign Policy to curb Chinese takeovers

In the last couple of months, India and China have had quite a strenuous relationship. In the midst of this, the Covid-19 has plagued the world and has brought in disastrous consequences for economies. Every country is grappling with economic implications and India, being no exception has aimed to take a protective stand by implementing the recent FDI norms.

Economy

What does it take to boycott Chinese Products?

Let’s get started with the trending talk of #BoycottChina.It sounds terrific to say goodbye to Chinese goods, thereby being self-reliant and self-dependent. But, are we riding on quite a high horse? China is not just trying to penetrate at India’s border on the northeast but, moreover, it has penetrated our lives so much that we don’t even realize. Just to give you a hint, the value of goods that India imports from China are more than 515 billion yuan (with the current value of yuan being equal to Rs. 10.55, you can imagine how huge the amount is).And, this was just about the products. Now think about the technology, apps that you have in your phone, and the companies that have received considerable amounts in Chinese investments. So, now when we say boycott China, it’s not just about diplomatically ignoring China but saying no to each and everything that originates in China. And, for that, of course, we would have to develop a competitive infrastructure that can replace Chinese products and services to a certain extent.

Entrepreneurship

Patanjali Ayurved bang entry into the Bond Market with its product

There were some questions about Patanjali which were hovering over my mind. One, since Patanjali is going through a serious distribution issue and is also facing drop in revenue, what would be the way ahead? And second, since the time Coronavirus started spreading alarmingly people are blindly behind gigantic pharmaceuticals expecting them to create a magical vaccine. Why has Ayurveda not tried creating a cure for Covid-19?

Investing

Ratio Analysis: Guide to Efficiency Ratios Analysis

Stock investing involves a careful analysis of the companies and their financial data to arrive at their true worth. One can examine the company’s Quarterly and Annual accounts to determine how productively they are managing its assets and liabilities to maximize profits. However, this can be cumbersome and will not determine the efficiency levels of the business. An easier way to find out about a company's performance is to look at its financial ratios. Though this is not a foolproof method, it is a good way to run a fast check on a company's health. Read the guide on Ratio analysis

Investing

SBI FD Rates: SBI slashes FD rates by 40 basis points

SBI slashes FD rates by 40 basis points. And, a cursory view of Nestle India’s stock. The previous generation has hailed fixed deposits so much that even we find it attractive. Whenever a person in India has got some extra money, the first option that comes to mind is getting an FD done. Reasons for this are also simple – no risk of losing money, a decent rate of return (till now it was slightly more than inflation) and an option to get your money back anytime (compromising the interest). But, latest news from the State Bank of India has put all the FD lovers in dilemma.

Legal

India's Labour Laws: A Key Area of Reform

India has a number of labour laws that govern almost all the aspects of employment and are regarded as rigid in nature due to their restriction on mobility. In this article, we will be discussing the background of labour laws and the recent reforms done by various state governments due to the Covid-19 outbreak.

Investing

Zerodha Review: Know about the brokerage charges and products

For years traders have been paying brokerage fees for every transaction executed irrespective if it is a winning trade or losing one, the brokerage is common for both cases. That’s when traders were pleased with the introduction of online discount brokers like Zerodha in the year 2010, the huge payments of brokerage have come down to zero. Zerodha has been a pioneer for the discount broking model in India when they kick started operations in 2010 with the aim of breaking all barriers in terms of pricing, support and technology for traders and investors. They coined a name by the fusion of the English word “Zero” and the Sanskrit word “Rodha” meaning barrier which when put together is Zero Barriers reflecting the companies objective when they started operations.

Legal

Force Majeure Clause:Understanding the Importance of this Clause

Coronavirus was declared as a pandemic in March 2020 by the World Health Organization and since then the global economy has been hit the hardest with governments across the globe implementing stringent policies including lockdown to control the coronavirus outbreak. Due to this the force majeure clause is gaining a lot of attention and in this article, we will be discussing the important aspects of this clause.

Investing

TikTok’s tough time going on in India

TikTok’s tough time going on in India. And, a cursory view of Interglobe Aviation’s stock. There’s an old saying that ‘Time is Money’. So, of course wastage of time can never be appreciated. With India being the largest market for TikTok, an impression was being created that Indians have a lot of spare time. Surely, the people consuming the content from the app were not gaining anything out of it besides petty entertainment. And, since people were watching it large numbers, some brands and businesses were also involved in marketing themselves there.

Investing

ITC to acquire spice maker Sunrise Foods.

When we observe corporate stalwarts or ‘giants’, we see that they are never satisfied. They are always looking for more. If they have acquired a decent market share, they look for diversification of their offerings. If they have successfully diversified, they look for integrations (forward and backward). And, this keeps going on. The Fast Moving Consumer Goods (FMCG) industry is slightly more dynamic in this case. And hence, FMCG giants are always on the move.

Economy

An exclusive guide to asset allocation

Investing is incomplete without proper asset allocation. 90% of the portfolio which has shown good performances in the past years points their victory towards effective asset allocation. Say you have brought a 2BHK flat having a fantastic view. Do you think that your work is done with that? You will modify it according to your desires, you will paint it, add furniture and so on. Similarly, investing It is not a one-time action rather a recurring process. When you decide on investing it is essential that you plan it well and then execute it. In short this Guide to Asset Allocation is a tool that investors utilize, to align their investments in line with their risk appetite, goals, and return expectations.

Economy

While others Fire, Amazon Hires!

Amazon India hiring 50k contractual workers. And, a cursory view of Colgate-Palmolive’s stock. Great leaders and thinkers have a trait that defines them. When others see a crisis, they see an opportunity. It is this important trait that makes them successful. It’s not possible that each time the opportunity knocks your door and you grab it. Many times you have to create it. And, it looks like Amazon India has learned this. You compare them with other e-commerce companies in India and you’ll see that Amazon India is not just any other e-commerce company, it’s in a different league.

Economy

How Avenue Supermarts (DMart) fared well against Big Bazaar

How Avenue Supermarts (DMart) fared well against Big Bazaar. And, Sectorial Talks on FMCG industry. EDLP (Every Day Low Pricing) is a concept hailed by FMCG companies around the world. India being a price sensitive market, of course loves it too. But, looks like Avenue Supermarts (DMart) has taken it to another level strategically. And that is why Avenue Supermarts has now become the 11th most valuable company in India in terms of market cap. With a market cap of more than 1.58 lakh crores, DMart has superseded Nestle India as well.

Investing

Upstox Review 2020: Know about Brokerage Charges and Comparision

Just a few years ago when the ‘smartphones’ and ‘apps’ were not part of our language, people interested in trading had to reach out to their brokers. The brokers would not only trade on behalf of the customer, they would also undertake activities like advisory and wealth management of the customer.

Investing

Airtel sprinting ahead of Jio in Q4 Result

Airtel sprinting ahead of Jio in Q4.And, a cursory view of BSE Ltd’s stock. You would have surely heard the story of the tortoise and the hare in your childhood. The telecom companies have presented a slightly distorted form of it in the fourth quarter. Consider Airtel as the tortoise and Jio as the hare. Jio entered the market (just like hare entered the race) and made tremendous sprints. Jio completely disrupted the market and almost eliminated the competition. The tortoise (Airtel) however, kept looking along and remained perseverant. Then, came Quarter 4. While Jio was busy bagging investments from firms around the globe, Airtel was focusing on growing its market share. As a result, the Average Revenue Per User (ARPU) for Airtel grew by almost 20% in the last two quarters. While, ARPU for Jio grew only around 2% in the same period. Sequentially, Airtel’s Indian business grew by (approx.) 16% whereas Jio’s revenue grew only by 6%.

Investing

Sovereign gold bond Zerodha: Know About Benefits and differences

Unlike most countries, Indians have an unbreakable bond with gold. And one stunning fact is that the Indians hold about 11% of the world’s gold. This is more than the gold reserves of IMF, Germany, and Switzerland put together. But rarely do we realize the choice that exists in the purchase of gold. Gold can be purchased as physical gold, ETF, or in the form of sovereign bonds.

Economy

Job Layoffs: Uber and Swiggy lay off 3000 and 1100 employees resp.

Uber and Swiggy lay off 3000 and 1100 employees respectively.And, a cursory view of ITC’s stock. Modern day business models are hailed because of their capability to use the technology and provide services. Tech based businesses have simply captured market shares and kicked some orthodox businesses out of the market in last few years.

Economy

ADB grants $1.5bn loan to India to tackle the coronavirus pandemic

The Asian Development Bank has increased its predicted global economic losses due to the COVID-19 crisis between $5.8 trillion to $8.8 trillion from $2 trillion to $4.1 trillion. Recently, ADB announced the approval of $1.5 billion (about Rs. 11,400 crores) assistance to the government of India to help its response programs to fight coronavirus pandemic.

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