Investolozy

In Last block we discussed about what is investment now in this blog we discuss about mutual fund . mutual fund is a trust that poll the saving of a number of investor who have financial goal . In mutual fund your money is completely safe because it is regulated by SEBI (security exchange board of India).

For better understand

let us take an example :- suppose you want to invest 1000 rupees per month and you have not any kind of knowledge about share market so you have to give that amount of rupees to any AMC ( asset management company) like you there will be thousands of investors who will have to invest in mutual funds they will also give Money to that Amc , rupees will be collected on such AMC . AMC has a fund manager who is experience , expert he invest that money on your behalf and distribute the return that bring to all the investor according to their investment in which AMC has some of its fees which around from 0.50 to 2% (Depend on fund and it's category )

Next block we will discuss about category of mutual fund

In India people are thinking about investing only in few instruments like Gold, Fixed deposit, and Real State but if they think about Real State so they have a high amount of capital.

most of the people in the common family they only think about investment in FD but today FD interest is too low which is around 5%-6% (according to the bank) but in India inflation rate is also 5%-6% also so we are not earning we are losing our money because that amount we have invested who cannot beat inflation and can not provide some gains so these type of investments are worst for us. For a beat, the inflection and earn a handsome gain or income we need to invest in mutual funds and share market of the people who are investing in the mutual fund for share market they easily earn 18%-25% returns some time it can be more.

if you are professional in market and your job is same, so you have to invest in share market but you are an employee in somewhere and you have not all the day for watch market so you should go to the mutual fund and which also can earn 15%-18% return (according to the fund category) and sometimes it can be more

it depends on your fund category, AMC.

Note:- mutual fund and share market are a risky investment as compare to others like FD, PPF.

* Saving Bank account interest can change many banks provide more interest

* PPF interest can per quarter

*. Mutual funds and shares return which shows in the graph it is not guaranteed return it depends on the market condition if you invest smartly it can be more and it can be negative

* Before investing please discuss your financial adviser
this information is only education purpose

Yes Bank Results



· Yes Bank reported a net profit of Rs45cr during June 2020 (Q1FY21) period, in comparison to a loss of Rs3,668cr of last quarter.

· However, the latest PAT figure has plunged by 60.1% from the profit of Rs114cr a year ago same period.

· Net interest income (NII) at Rs1,908cr (up by 49.8% qoq) while down 16.3% (YoY)

· As on June 2020, the bank's total Provisions for Q1FY21 was at Rs1,087cr consisting of Rs642cr of Covid19 related provisioning. Provisions stood at Rs1,784.11cr in Q1FY20 and Rs4,872.34cr in Q4FY20.

· GNPA Rs32,703cr compared Rs32,878cr (QoQ) .

· GNPA at 17.30% versus 16.80% of Q4FY20 and 5.01% of Q1FY20.

· Operating profit at Rs1,147cr grew ~11x qoq, aided by higher NII and lower Operating expenses.

· Non- Interest income for Q1FY21 at Rs621cr increasing by 3.9% qoq.

· Operating costs declined 21.7% q-o-q to Rs1,382cr.

· Deposits at Rs1,17,360cr, grew 11.4% qoq aided by 26.4% qoq growth in CA deposits and 12.6% qoq growth in term deposits; CASA ratio at 25.8% in Q1FY21. During the quarter, intensified client outreach resulted in a win back of mandates and acceleration in customer acquisition.

· Net Advances at ` 1,64,510 Crores declined 4.0% q-o-q; Retail Advances at 23.4% of advances.

· Provision Coverage Ratio (PCR) improves to 75.1% vs. 73.8% last quarte

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Value to Sales Ratio 2020

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