Investment

Investors who desire a regular flow of income from mutual funds usually choose between dividend investing and Systematic Withdrawal Plans (SWPs). Though both methods provide periodiccash flows, the way the government taxes them impacts the net return. Therefore, an understanding of the best tax-efficient option can help investors in planning better.

What is a systematic withdrawal plan?

A systematic withdrawal plan allows an investor to withdraw a fixed sum of money from their mutual fundinvestment at fixed intervals. Instead of receiving dividends on the fund, investors withdraw a portion of their holdings, principals, and profits together.

Tax treatment of SWP

Here’s how taxes are levied on SWP:

Equity funds: Tax is levied only on the capital gains portion of every withdrawal. Anything more than Rs. 1.25 lakh of Long-Term Capital Gains (LTCG) is taxed at 12.5%. On the other hand, short-term gains are taxed at 20%.

Debt funds: These are taxed according to the income tax slab of the investor, irrespective of the holding period. Investors can, however, plan their withdrawals strategically. For example, redeeming before March 31, 2025, means the gains will be added to the investor’s income for that financial year, potentially increasing their tax burden if they fall into a higher tax bracket. Conversely, redeeming after April 1, 2025, shifts the tax liability to the next financial year, which could be beneficial if the investor expects lower taxable income, thereby falling into a lower tax slab.

What is dividend investing?

Dividend investing involves choosing mutual funds that distribute their returns to investors in the form of dividends. These funds offer a regular income, but they are subject to taxation.

Tax treatment of dividends

Mutual fund dividends are taxed based on the investor’s tax bracket. Investors in the highest tax bracket (30%) pay a much higher tax on dividends than investors in other tax brackets.

Example: If an investor receives Rs1 lakh as a dividend and is in the 30% tax bracket, they will have to pay Rs 30,000 in tax, which will reduce their net returns.

Drawback: The whole dividend income is taxed at the individual’s income tax rate, which will impose a greater tax burden than SWP.

Other factors to consider

Investors need to consider a few more factors prior to investing:

Impact on the fund’s NAV

• Dividends reduce a mutual fund’s Net Asset Value (NAV) because they are distributed out of the fund’s corpus.
• SWP withdrawals redeem units but do not affect NAV at a structural level.

Investment goals and liquidity

• SWP suits investors with specific income and tax optimisation requirements.
• Dividend investing could be more suitable for investors seeking automatic payments of income.

Conclusion

Given the current tax structure, SWPs often provide greater tax efficiency compared to dividend payouts, particularly for investors in higher tax brackets. By carefully planning withdrawals, investors can manage their tax liabilities more effectively with SWPs. It’s advisable to consult with a tax professional to tailor investment strategies to individual financial situations and goals.

In the world of public speaking, the lead spweaker holds a unique and significant role. Whether it’s at a conference, seminar, or corporate event, the lead speaker is typically the individual who sets the tone, frames the key message, and inspires the audience to engage and reflect. The role is far beyond just delivering content—it involves guiding the audience through a structured narrative that resonates deeply. Becoming an effective lead speaker requires a blend of skills, preparation, and an understanding of how to influence the emotions and thoughts of the audience. This article explores the importance of a lead speaker, their key responsibilities, and the qualities that define someone successful in this role.

The lead speaker plays a pivotal role in any speaking engagement, as they are often the main figure who establishes the purpose and direction of the event. Whether in a small gathering or a large-scale convention, the lead speaker serves as the anchor, responsible for guiding the audience through the event’s themes and topics. Their role goes beyond simply delivering information; it involves fostering a connection with the audience and ensuring the message is received in the most impactful way.

Defining the Lead Speaker’s Responsibilities

The primary responsibility of the lead speaker is to effectively communicate the central message of the event. This often involves presenting complex ideas or concepts in a way that is accessible and engaging to the audience. The lead speaker’s ability to break down challenging topics and make them relatable is crucial for ensuring that the message resonates with attendees. Whether they are addressing a corporate audience, a group of students, or an industry-specific crowd, the lead speaker needs to craft their speech to meet the needs and expectations of those listening.

Another core responsibility of a lead speaker is to create an atmosphere of engagement and interaction. A skilled lead speaker can draw the audience in, making them feel like active participants rather than passive listeners. This dynamic often involves asking thought-provoking questions, encouraging feedback, or even integrating interactive elements into the presentation. Creating an engaging environment ensures that the audience feels involved, which ultimately helps in driving home the key message.

Moreover, the lead speaker is responsible for setting the tone and pacing of the event. They are often the first person to take the stage, and their performance sets expectations for the rest of the event. A strong and confident delivery by the lead speaker can energize the audience, while a lackluster presentation may cause disengagement. It is also the lead speaker’s job to provide clarity and organization throughout the event, ensuring that the sequence of presentations flows logically and the message is coherent.

Essential Qualities of an Effective Lead Speaker

While the technical aspects of public speaking are important, the most successful lead speakers share a number of key qualities that set them apart. These qualities help ensure that their message is delivered with the right level of impact, and that they are able to connect with their audience in a meaningful way.

First and foremost, effective lead speakers are exceptional communicators. They understand the power of words and how to use them to evoke emotions, convey complex ideas, and engage the audience. Clear articulation and thoughtful language are essential for a lead speaker to be understood, especially when addressing diverse audiences. Their ability to speak with conviction, passion, and authenticity allows them to make a lasting impression and ensures that the content is not only heard but also felt.

Confidence is another critical quality for a lead speaker. A speaker’s confidence in themselves and their message translates into trust and credibility with the audience. When a speaker exudes confidence, it instills confidence in their listeners. This allows the audience to fully engage with the message without questioning the speaker’s authority. Being comfortable in front of an audience, handling nerves, and delivering a polished performance are all hallmarks of a confident lead speaker.

Empathy is equally important for effective communication. The best lead speakers are attuned to the needs and emotions of their audience. They understand the value of connecting on a personal level, which can often mean adjusting their delivery or tone to better align with the mood or atmosphere of the event. Empathy allows lead speakers to gauge the audience’s reaction and adjust their approach in real-time, ensuring that the message is received in the most appropriate and impactful way.

Adaptability is another quality that sets successful lead speakers apart. Every speaking engagement is different, and the best lead speakers are able to tailor their message to suit the unique needs of each audience. This requires a level of flexibility, as the speaker must be able to pivot their approach based on the audience’s reactions or the flow of the event. Whether it’s changing the delivery style, altering the content, or responding to questions in a way that builds upon the discussion, adaptability is key to maintaining engagement and relevance.

How a Lead Speaker Influences the Event

A lead speaker can have a profound influence on the overall success of an event. Their energy, delivery, and ability to engage with the audience can set the stage for the rest of the event. By establishing a strong connection with the audience, the lead speaker helps to create a sense of shared experience, which enhances the impact of the message.

The lead speaker’s role is also critical in ensuring that the event stays on track and within the desired framework. They are often the one to introduce the themes, key topics, and speakers, and their ability to seamlessly guide the event from one segment to the next is an essential part of the overall flow. This organization and direction are particularly important for larger conferences or seminars, where the event can easily become disjointed without a clear sense of continuity.

Additionally, the lead speaker helps to foster an environment of trust and openness. In many cases, the audience will look to the lead speaker to set the tone for the rest of the event, which means that the speaker must cultivate a sense of respect and approachability. A lead speaker who is open, engaging, and responsive can create an atmosphere where the audience feels safe to participate and contribute their thoughts. This sense of involvement can dramatically increase the overall success of the event.

Developing the Skills of a Lead Speaker

For those looking to step into the role of a lead speaker, developing key public speaking skills is essential. Practice is critical, as is receiving feedback from others. A lead speaker must also work on refining their delivery, learning how to project their voice, and practice body language that conveys confidence and authority. There are various training programs, courses, and coaching services available for those who wish to improve their speaking abilities. These tools help individuals hone their communication skills, build their confidence, and better understand the nuances of effective public speaking.

The ability to understand the audience and adjust accordingly is another skill that can be developed over time. Observing audience reactions, reading body language, and understanding verbal cues are all important aspects of adjusting the delivery to keep the audience engaged. Through practice and reflection, individuals can develop these skills to become more effective lead speakers, capable of commanding attention and delivering messages that leave a lasting impact.

The global financial markets have changed their dimension entirely. They came up with instruments that enabled foreign trading. One such hit instrument is Gift Nifty. The working philosophy of the instrument will bring the Indian and international markets closer and will create an opportunity and freedom for investors.

Thus, the logic, implications, and benefits should be understood from the perspective of the traders wishing to expand their portfolios globally.

A Global Stock Exchange Evolution

International Stock exchanges have continuously transformed themselves to meet the demands of contemporary investors, allowing for the establishment of an international trading platform enabling investors all over the world to order the various global markets from their respective places. Henceforth, these markets allowed traders to diversify further mitigate their risks while

Opportunities for breakout trades capitalizing on emerging opportunities in the moves of the international equity markets. Thus, trading across borders has been facilitated by advanced technologies whereby the prices are to be expressed in every time zone, making it possible for traders all over the world to trade whenever they want.

Reasons for Cross-Border Trading

There are several reasons why an investor would want to look beyond his local market for certain opportunities. One reason is diversification since it will help offset risk during local calamities. Another reason is exposure to various economies that may be operating on different economic cycles and growth patterns. When investment opportunities go cross-border, the investor profits from whatever moves the market that does not really impact the local stock exchange.

Major Benefits of Participation in International Markets

With their global integration, these markets provide various advantages, ranging from knowledge of diverse sectors and industries. They would also benefit from arbitrage opportunities because price differences between the markets can generate profits. Another problematic aspect of international commerce is that developing countries tend to offer a far higher growth rate relative to developed countries. Investors adopt this investment strategy to counterbalance their risks with maximum prospective gains.

Market Trend Understanding and Its Timing

Across each nation, market trends exist, and international trading is correlated with the knowledge of the extent of influence on investment. Therefore, time is extremely critical for all kinds of profitable trades; conversely, the different markets operate in their time zones. With respect to investment decisions, investors are expected to be updated on sound global economic indicators, adjustment changes in interest rates, and changing geopolitical developments. This will ultimately enhance their chances of validating trading decisions regarding the trading proposition.

Conclusion 

A component of utmost importance in international trade is, above all else, risk management. Currency fluctuations followed by political instability or economic downturns can both have severe ramifications on investment performance. Through strategic risk mitigation techniques such as hedging and diversification, investors sweeten the consequences of unforeseeable market movement affecting their portfolio. Well-executed research and disciplined execution will ensure minimizing losses and maximizing gains.

Systematic Investment Plans, or SIPs, are among the most popular means of investing in mutual funds today. They offer the facility to invest a certain amount at a fixed interval with a disciplined approach and fewer market timing risks. However, investors often grapple with the question of whether to invest in monthly or quarterly SIPs.

Both of them have their pros and cons, and they depend upon cash flow, risk appetite, and investment objectives. In this article, we’ll compare monthly SIPs vs. quarterly SIPs to let you decide which one goes best with your investment strategy.

What is an SIP?

An SIP allows investors to invest a fixed sum periodically in mutual funds. This helps to smoothen the rupee cost averaging process and promotes wealth creation in the long run.

Three SIP frequencies are most commonly found:

• Monthly SIPs: The investments are made every month.
• Quarterly SIPs: Investments are made every three months.
• Weekly/daily SIPs: Less common but available for high-frequency investors.

Of these, monthly and quarterly SIPs are most popularly chosen.

Monthly SIPs: Benefits and considerations

A monthly SIP is one where investments are made at regular intervals every month (for instance, the 5^th of every month).

Benefits of monthly SIPs

• Better rupee cost averaging: Every month, investments spread out purchases and reduce the effect of market volatility.
• Disciplined savings habit: This aligns well with salaried individuals who receive their monthly income.
• Lower risk exposure: Small, frequent investments reduce market timing risks.
• Compounding benefits: Regular contributions allow faster capital appreciation over time.

Considerations

• Requires a steady cash flow to avoid missed instalments.
• More frequent investment may result in slightly higher charges for transaction expenses in some cases.

Quarterly SIPs: Benefits and considerations

A quarterly SIP means investing each quarter instead of every month.

Advantages of quarterly SIPs

• More flexibility: Suitable investors with irregular income (e.g. Freelancers, businesspeople)
• Transaction less frequently undertaken: Reduces administrative work potential transaction costs.
• Good for long-term investors: Those who prefer a less hands-on approach may find quarterly SIPs convenient.

Considerations

• Investing at longer intervals exposes investors to higher market fluctuations.
• A higher lump sum amount every quarter may be difficult for some investors.
• Investing less frequently may reduce overall returns in the long run.

Monthly vs. quarterly SIPs: What’s the difference?

Which SIP option is better for your investment strategy?

Choose monthly SIPs if:

• You have a stable income.
• You want better rupee cost averaging and risk diversification.
• You get better long-term returns with more frequent compounding.

Choose quarterly SIPs if:

• You have an irregular income, like business owners and freelancers.
• Less frequent transactions and a low-touch investment.
• You can easily invest a higher amount once every three months.

Hybrid approach – Can you mix it up?

A few combine monthly and quarterly SIPs to balance out cash flow and market volatility. Here’s how it can be done:

• Investing smaller amounts every month for steady growth.
• Adding quarterly contributions when surplus funds become available.

Conclusion

Both monthly and quarterly SIPs have their merits, but monthly SIPs are preferable for most investors. They provide better rupee cost averaging, smoother cash flow management, and faster compounding.

However, if your income is irregular or you want to invest less often, you can still opt for quarterly SIPs. The effectiveness of the SIP strategy depends on your financial goals, risk tolerance, and income stability.

Exchange-traded funds (ETFs) have become a popular investment choice for many UK investors looking for a way to diversify their portfolios. Offering a blend of stock-like liquidity with the diversification benefits of mutual funds, ETFs are an accessible tool for both novice and experienced investors alike. However, as with all investment strategies, understanding how to balance the inherent risks and rewards of ETFs is key to leveraging them successfully in your portfolio.

Risk Factors Associated with ETFs

While ETFs offer benefits, they also come with risks. Understanding these can help you make better investment decisions.

• Market Risk: ETFs track specific sectors or indexes, so they are subject to market fluctuations. A UK equity ETF, for example, could suffer during economic downturns or market volatility.
• Liquidity Risk: Some ETFs may be difficult to buy or sell without affecting the price. While major ETFs are liquid, niche ETFs with lower trading volumes can be harder to trade quickly.
• Tracking Error: This is the difference between an ETF’s performance and that of the index or asset it tracks, caused by management fees or other factors.
• Sector and Thematic Risks: ETFs focused on specific sectors or trends may be volatile. For instance, technology ETFs can suffer if the tech sector declines and thematic ETFs may not always maintain long-term growth.
• Currency Risk: Investing in international ETFs exposes you to currency fluctuations. If the pound strengthens against another currency, such as the US dollar, the value of a foreign ETF can decrease, even if its underlying assets perform well.

Reward Potential of ETFs

Despite the risks, ETFs offer significant rewards:

• Diversification: ETFs provide exposure to a range of assets, spreading risk across multiple securities and reducing the impact of poor performance from any single asset.
• Cost Efficiency: With lower expense ratios than mutual funds and passive management, ETFs are a cost-effective investment option, appealing to those looking to maximize returns.
• Access to Hard-to-Reach Markets: Many ETFs allow investors to tap into markets or sectors, like emerging economies, that may be difficult to access directly.
• Dividend Income: Equity-focused ETFs can offer regular dividend payments, providing a steady income stream for income-focused investors.
• Growth Opportunities: Equity ETFs, especially those targeting high-growth sectors like technology, offer the potential for significant capital gains as markets expand.

Balancing Risk and Reward with ETFs

Investing in ETFs requires a balanced approach, especially when considering the trade-off between risk and reward. Here’s how to balance both effectively.

Understanding Your Risk Tolerance

Before investing in ETFs, it’s crucial to assess your own risk tolerance. If you’re a conservative investor, bond ETFs or dividend-focused ETFs might be more suitable for your portfolio. On the other hand, if you’re a more aggressive investor seeking higher returns, equity or sector-specific ETFs may align better with your goals.

Diversification Across ETF Types

To mitigate risk, diversify your investments across multiple types of ETFs. A well-rounded portfolio might include a mix of equity, bond, and commodity ETFs to balance potential rewards with risk. For example, combining a technology-focused ETF with a bond ETF can offset volatility while still capturing growth potential.

Sector Rotation Strategies

Sector rotation is a strategy where you shift your investments between different sectors based on market cycles. For example, when the economy is expanding, you may choose to invest in growth sectors like technology or consumer discretionary. In contrast, during a recession, defensive sectors like healthcare or utilities may perform better. ETFs are an ideal vehicle for implementing sector rotation strategies because they offer quick access to various sectors.

Rebalancing Your Portfolio

Over time, the value of different ETFs in your portfolio will change, which can lead to an imbalance. Regularly rebalancing your portfolio by buying or selling ETFs to maintain your desired asset allocation ensures that your risk-reward profile remains aligned with your goals.

Using ETFs in Tax-Efficient Accounts

UK investors can make their ETF investments more tax-efficient by holding them in tax-advantaged accounts such as ISAs (Individual Savings Accounts) or SIPPs (Self-Invested Personal Pensions). These accounts allow you to minimize taxes on capital gains and dividends, improving your overall returns.

Tips for UK Investors When Investing in ETFs

• Long-Term vs. Short-Term Focus: Decide whether you’re a long-term investor seeking broad exposure or a short-term trader looking to capitalize on liquidity and volatility.
• Consider Costs and Fees: While ETFs have low fees, always check the expense ratio as even small differences can affect long-term returns. You can check over here for more information about ETF trading.
• Research and Due Diligence: Investigate an ETF’s historical performance, underlying assets, and the issuer’s reputation to ensure it aligns with your financial goals.
• Utilize Dollar-Cost Averaging (DCA): By investing a fixed amount at regular intervals, DCA helps reduce the impact of market fluctuations, especially for long-term investors.

Conclusion

ETFs offer UK investors a flexible and cost-effective way to diversify their portfolios, manage risk, and capture growth opportunities. By understanding the basics, assessing risk factors, and balancing the potential rewards, investors can use ETFs to build a portfolio that aligns with their long-term financial goals. Whether you are a conservative investor or looking to capitalize on emerging trends, ETFs offer something for everyone. Always make sure to conduct thorough research and consider your personal risk tolerance before making any investment decisions.

Systematic Investment Plans (SIPs) have revolutionised mutual fund investments by enabling individuals to invest small, consistent amounts over time. For investors, understanding the SIP return rate is crucial to evaluating how well their investments are performing. With mutual fund apps, tracking and optimising SIP return yearly or monthly has become easier, making these platforms invaluable for managing investments.

This article delves into the basics of SIP return rates, how they are calculated, and the role of mutual fund apps in simplifying your investment journey for achieving high SIP returns.

What is an SIP return rate?

An SIP return rate refers to the growth percentage of your investments over a specific period when invested systematically through SIPs. This rate depends on factors such as:

1. The mutual fund scheme chosen
2. The duration of the SIP
3. Market performance during the investment period

SIPs work on the principle of rupee cost averaging, where you buy more units when prices are low and fewer units when prices are high. Over time, this method smoothens out market fluctuations and potentially offers high SIP returns.

Calculating SIP return rates

1. Absolute returns

Absolute returns show the percentage gain or loss on your total investment over a specific time period. The formula is:
Absolute Returns = [(Current Value – Invested Amount) / Invested Amount] × 100

2. Annualised returns

Annualised returns indicate the growth rate of your investment over a year. This is useful for understanding the SIP return yearly in comparison to other investment options.

3. XIRR (Extended Internal Rate of Return)

XIRR is the most accurate way to calculate SIP returns as it accounts for multiple investments made at different times. Mutual fund apps often use this method to provide precise figures.

SIP return monthly vs yearly

Investors often compare SIP monthly returns with yearly returns to understand the growth trajectory. Monthly returns provide short-term insights, while yearly returns give a long-term perspective. For instance:

• SIP monthly returns: Show how well your portfolio performed in a given month, helping you track market trends.
• SIP return yearly: Reflects the overall performance of your SIP for the year, offering a broader view of your investment’s growth.

Both metrics are important for tracking and adjusting your investment strategy.

Benefits of tracking SIP returns with mutual fund apps

Mutual fund apps have transformed how investors monitor their SIP returns. These platforms offer:

1. Real-time updates

Apps provide real-time updates on your portfolio’s performance, allowing you to monitor your SIP return rate and make timely adjustments.

2. Simplified calculations

With in-built calculators, apps automatically compute metrics like XIRR, absolute returns, and annualised returns, saving you time and effort.

3. Goal tracking

Many apps let you set financial goals and track how well your SIPs align with them, ensuring you stay on the right path.

4. Comparative analysis

Evaluate the performance of different schemes to identify funds delivering high SIP returns, helping you optimise your portfolio.

How to optimise SIP returns

To maximise your returns, consider these strategies:

1. Choose the right funds

Selecting mutual funds with a history of strong performance is key. Look for funds that align with your risk appetite and financial goals.

2. Invest for the long term

SIPs are most effective over long durations as they leverage the power of compounding and rupee cost averaging.

3. Increase SIP amounts periodically

Gradually increasing your SIP amount with rising income can significantly boost your corpus and returns.

4. Diversify your portfolio

Diversify across equity, debt, and hybrid funds to balance risk and reward, ensuring consistent SIP return yearly.

5. Use mutual fund apps for insights

Leverage mutual fund apps to analyse trends, compare funds, and monitor returns efficiently.

Why mutual fund apps are indispensable for SIP management

Mutual fund apps simplify SIP investments and returns tracking by offering:

1. Instant portfolio access

View your investments and track SIP return rates anytime, ensuring you remain informed about your portfolio’s performance.

2. Customised SIP planning tools

Apps offer SIP calculators to estimate returns for different investment amounts and durations, helping you plan your financial goals effectively.

3. Dividend tracking

For dividend-paying mutual funds, apps provide timely updates, ensuring you don’t miss any payouts.

4. Secure transactions

With advanced encryption, mutual fund apps ensure your financial data is protected while making SIP transactions.

Why Bajaj Finserv is the best app for SIP tracking

Comprehensive tracking tools

Bajaj Finserv simplifies tracking with tools that provide detailed insights into your SIP return monthly and yearly performance.

Fund recommendations

The app suggests funds tailored to your goals, ensuring you can identify schemes with high SIP returns.

Real-time updates

Stay updated on market trends, fund performance, and NAV changes, enabling informed decision-making.

User-friendly design

Its intuitive interface ensures hassle-free navigation, making it suitable for both beginners and experienced investors.

Goal-based investing

Set financial goals and use the app’s tracking features to align your SIP investments with them.

How to start tracking SIP returns with Bajaj Finserv

Step 1: Download the app

The app is available on Android and iOS platforms.

Step 2: Complete your KYC

Complete your KYC verification digitally to start investing immediately.

Step 3: Set up your SIPs

Choose a mutual fund scheme, set your SIP amount, and automate monthly contributions.

Step 4: Track your returns

Use the app’s tracking tools to monitor SIP return yearly and optimise your portfolio for maximum growth.

Conclusion

SIPs are a powerful tool for wealth creation, but understanding and tracking your SIP return rate is essential for maximising their potential. Mutual fund apps like Bajaj Finserv have made this process seamless by offering real-time updates, advanced tools, and secure transactions. Whether you are looking at SIP monthly returns or aiming for high SIP returns in the long term, these apps ensure you stay informed and make smarter decisions.

Take control of your financial future by leveraging the power of mutual fund apps. Download Bajaj Finserv today and simplify your investment journey for a brighter tomorrow.

Are you an investor? If so, then we have some exciting news for you! The Bajaj Housing Finance IPO is already on its way to reach you. It is all set to be announced in the early weeks of September. Adding yet another gold feather to the crown, the Bajaj Group is all set to present to you, the Bajaj Housing Finance IPO, with a landmark offering of Rs. 7000 Crore, including both new shares and the group’s share sale. This landmark price will be used to meet the regulatory and business needs.

Brace yourselves as we are about to unveil this golden opportunity for you!

Keep reading for more insights on the starting and closing dates, why should invest and other key insights!

1. Key Insights of the Bajaj Housing Finance IPO

• Claiming its NHB (National Housing Bank) registration in 2015, the Bajaj Housing Finance is a non-deposit-taking HFC. It is a part of the Bajaj group that was formed in 2008.
• It is a limited-time deal, opening on 9th September 2024 and closing on 11th September 2024.
• The allotment of the same is to be finalized on 12th September 2024 and will go public on the tentative listing date- 16th September 2024.
• The objectives of the IPO include augmenting the capital base to meet future business requirements and also for the general purposes of the corporation.

1. Why should you invest in the Bajaj Housing Finance IPO?

The main reason why is its strengths, which include the following.

• Especially in terms of AUM growth and profitability, the Bajaj Housing Finance Limited has established itself as one of the leading HFCs in India
• It offers a wide and comprehensive range of mortgage lending products. This enables the target of different and diverse customers.
• Another reason you should invest in Bajaj Housing Finance is its strong financial metrics. This includes a high return on assets as well as equity. Alongside this, it has the lowest GNPA and NNPA ratios compared to other HFCs.
• Also, being a part of the Bajaj Group, Bajaj Housing Finance IPO’s popularity is the result of the brand’s trust and reputation
• Lastly, the rapid growth of Bajaj Housing Finance, calls for another reason to invest in it. This growth is supported by its high CAGR (Compound Annual Growth Rate) in AUM.

Note: Please note that the sole aim of this article is educational purposes. Hence, everything constituted here stands as references and since the content is derived from various sources, it is subject to change. Understand the importance of seeking professional consultations before making any decisions. Invest in your own risk!

Conclusion

To add, investors who have applied for the same can check the allotment status through your 5paisa account. Through 5paisa, this is made even easier. Below are the steps specially curated for an easy ipo subscription status.

1. Create a UPI ID
2. Apply for IPO Online using the 5paisa app
3. Authorise the UPI to block payment

So why wait? Begin your IPO investment through 5paisa!

Flutterwave, the trailblazing fintech startup from Nigeria, is making remarkable progress in its mission to revolutionize digital payments across Africa. As the continent’s most valuable startup, Flutterwave has diligently prepared for its highly anticipated initial public offering (IPO) while expanding its operations and forging strategic partnerships to drive digital transformation and economic growth.

Under the visionary leadership of founder and CEO Olugbenga ‘ G.B.’ Agboola, Flutterwave has implemented significant changes to its corporate governance structure, ensuring its readiness for long-term success. The company’s core product, an online payment processing platform, enables businesses to seamlessly receive payments from consumers and companies operating in over 30 African countries. With Uber as one of its flagship clients, Flutterwave has demonstrated its ability to cater to the needs of both local and international enterprises.

To further solidify its position as a critical player in the global economic narrative, Flutterwave has been actively engaging with African regulators, fostering open communication and collaboration. This proactive approach has yielded positive results, as evidenced by the company’s recent acquisition of two licenses in Rwanda despite facing some regulatory challenges in Kenya.

Recognizing the crucial role of small and medium-sized enterprises (SMEs) in Africa’s economic landscape, Flutterwave has prioritized empowering these businesses by providing them with essential digital financial services. Through its innovative solutions, Flutterwave aims to tackle the challenges SMEs face, such as limited access to credit and the inability to transact seamlessly across various payment methods.

In a significant development, Flutterwave’s founder, Olugbenga Agboola, has been named vice chair of the U.S. Chamber of Commerce’s US-Africa Business Center’s board of directors. This prestigious appointment highlights Flutterwave’s commitment to strengthening the commercial ties between the United States and Africa while championing emerging technologies and digital transformation across the continent.

Furthermore, Flutterwave has entered into a groundbreaking five-year strategic technology partnership with Microsoft to accelerate payment innovation and support the growth of small businesses in Africa. By leveraging Microsoft Azure and Azure OpenAI Service, Flutterwave aims to process high-volume payments at scale, ensure a seamless and secure payment experience for its clients, and extend its product offering to millions of merchants worldwide.

This collaboration with Microsoft underscores Flutterwave’s unwavering dedication to driving digital financial inclusion and empowering businesses across Africa. By providing SMEs with the necessary digital financial tools and services, Flutterwave contributes to creating more resilient economies and a brighter future for the continent.

As Flutterwave continues to make significant strides in its journey toward an IPO and foster strategic partnerships, it is well-positioned to shape the digital landscape of Africa and beyond. With its innovative solutions, commitment to empowering businesses, and dedication to driving digital transformation, Flutterwave is not just envisioning an inclusive digital Africa but actively building it, one transaction at a time.

Are you searching for dependable and adaptable secondary online earning ways alongside your primary job? Would it surprise you to learn that your smartphone could play a role?

Today, technology profoundly impacts our lives and presents numerous opportunities to generate income. That’s right – the compact device you carry in your pocket can be valuable for earning money. However, it’s essential to understand that earning won’t happen overnight; it requires dedication and effort.

Even with access to cutting-edge technology, making money necessitates an investment of time and commitment. Fortunately, various banking institutions have introduced money-earning apps, such as referral programs, which make it simpler to earn substantial income by participating in their referral programs.

Continue reading to discover how to leverage your smartphone to utilize the best money-making apps and start earning online immediately.

What is an Online Money-Earning App?

Online earning applications, referred to as refer-and-earn platforms, have grown in popularity as effective methods for generating supplemental income. These applications typically serve as hubs where individuals can register as referral partners and recommend products or services to their friends, family, and associates. For example, IDFC FIRST Bank’s MyFIRST Partner app presents a refer-and-earn initiative, enabling customers to refer personal loans to others and receive a commission of 1.5% for each disbursal.

Through this application, users can earn over ₹1,00,000* per month by referring prospective clients. This passive income type empowers individuals to capitalize on their existing social connections and earn money without requiring substantial investment.

Use Refer-Earn Apps

Top money-making Android apps such as IDFC FIRST Bank’s MyFIRST Partner Programme, which rewards users for referrals, offer fantastic opportunities to earn extra income. Utilizing this app to recommend others for loans is a viable method to earn money online in India. With the assistance of this program, which offers up to 1.5% for each loan disbursed, you could earn over Rs 50,000 monthly. There’s no upfront investment required; instead, the earnings from your referrals are deposited into your bank account every week. You can trust this option because a reputable bank like IDFC FIRST Bank supports it.

Who Can Sign Up for the Refer and Earn App?

The simple eligibility criteria of the MyFIRST Partner Program ensure that individuals can easily seize this opportunity. To apply for the online money-earning app, you must be an Indian citizen, at least 18 years old, and hold a bank account with an Indian bank. These criteria open the opportunity to a wide range of individuals eager to boost their income through referral-based earnings.

Refer-and-earn applications have revolutionized generating supplemental income, enabling users to leverage their networks for swift and effortless cash generation. With IDFC FIRST Bank’s MyFIRST Partner Referral money-earning apps in India, you can earn a substantial income without any initial commitment. Individuals can effectively navigate the referral market by choosing the right app, offering a streamlined sign-up process, instant payouts, and access to experienced relationship managers.

Conclusion

Generating revenue through an online money-earning app is a trustworthy and valid earning method. It provides an additional stream of earnings without any initial financial investment. If you want to explore this opportunity, download the MyFIRST Partner App from IDFC FIRST Bank today.

Within a few minutes, you can register for free on these legitimate money-earning apps to earn income by referring friends and family for personal loans. Even better, every loan disbursed through your referrals results in weekly payments directly deposited into your bank account, offering a dependable source of income. Currently, over 200,000 active users are already benefiting from this opportunity.

The phrase “luxury apartment” is not only a label in the ever-changing world of real estate; it is a lifestyle choice and, increasingly, a sound investment. The number of people looking for luxury apartments has increased because most want richness, comfort, and a variety of amenities in their living spaces. Below, we delve into the myriad facets of investment in luxury apartments, ranging from unrivaled amenities to the possibility of considerable returns.

What are luxury apartments??

Apartments that are considered to be luxurious go beyond the traditional limitations of residential life. In addition to the fundamental characteristics of a house, they provide a heightened level of living, distinguished by outstanding architecture, cutting-edge technology, and abundant facilities. These houses have been painstakingly created to suit the most sophisticated tastes, starting with the high-end finishes and ending with the spectacular views outside.

Investing in luxury apartments immerses yourself in a world where comfort and architectural creativity come together. Not only does the square footage contribute to the attraction, but the fine details also contribute to creating a living area that emanates sophistication and exclusivity. You can get an apartment in any location of your choice. If you are in Houston, or that’s your choice, then doing an internet search on furnished apartments Houston would be a great place to start. Here are some things you need to look out for while looking for a luxury apartment to invest in;

Incomparable Amenities In luxury apartments 

One of the characteristics that sets luxury flats apart from other types of apartments is the extensive provision of amenities. A lifestyle that goes above the typical is provided by these properties, which include amenities such as private gyms and spa facilities, concierge services, and rooftop lounges of various kinds. Residents can enjoy the comfort of having everything they require within their own house’s limits, transforming their typical activities into genuinely remarkable events.

Safety and Confidentiality

One of the most common features of luxury flats is advanced security systems, which protect the occupants’ privacy and safety. These elements, including secure entrance systems and surveillance available around the clock, contribute to a sense of peace and well-being. Your possessions will be protected, and the general quality of life will be improved if you invest in a home with a high focus on security.

Location

The value of a luxury apartment is considerably increased by many factors, including its proximity to cultural monuments, its accessibility to premium areas, and its spectacular vistas. Invest in a prime location, which not only guarantees exclusivity but also provides the groundwork for long-term appreciation of the property.

When making a strategic investment in luxury flats, it is vital to find not only aesthetically beautiful residences but also locations with potential expansion. The location of your luxury apartment plays a significant role in determining the success of the investment, regardless of whether it is situated in a bustling urban center or a calm seaside.

Possibility of a substantial return on investment

The potential for big profits appeals to investors even though luxury apartments typically need a higher initial investment. Because of the exclusivity and the amenities that come with living in a luxury home, demand may increase over time, contributing to greater property values. In addition, the attractiveness of luxury flats frequently translates into a stable rental market, which provides investors with a consistent source of income.