NOLEGEIN-Journal of Financial Planning and Management

Digital Lending Partnerships: Onboarding and Evaluation of Partners for Co-Lending

Dr. Rajni Mathur — Thu, 25 Jan 2024 00:00:00 +0000

The banking and finance industry is undergoing a considerable shift in the current digital era, notably in the lending business. Partnerships are essential for fostering innovation, extending market reach, and improving client experiences as the ecosystem of digital lending changes. In order to work together and deliver extensive lending solutions, digital lending partnerships bring together a variety of organisations, including financial institutions, technology suppliers, fintech startups, and alternative lenders. Digital lending collaborations go beyond straightforward referral or distribution contracts. In order to co-create cutting-edge loan products and services, it demands closer integration and collaboration amongst partners who share assets, technologies, and expertise. For instance, co-lending partnerships combine the lending capacity and risk appetites of numerous lenders to collectively offer loans to borrowers. Through these alliances, lenders are able to spread out their loan portfolios' risk and maximise capital utilisation. Digital lending alliances have many advantages. First off, they encourage innovations by fusing the advantages of several partners. When compared to traditional lenders, fintech companies offer disruptive technology, data-driven insights, and agile processes to the table. Traditional lenders, meanwhile, add a wealth of industry expertise, regulatory familiarity, and client connections. As a result of this interaction, technology-enabled customer-focused lending solutions are created, streamlining the loan origination, underwriting, and servicing processes

Educational Loan from Public Sector Bank: A Review

Kaushal Naresh Amar, V K Agrawal — Tue, 26 Mar 2024 00:00:00 +0000

Many Indian students are seeking financial assistance in the form of bank loans for their studies, as they pursue higher education. According to the report, smart and qualified students can get low-interest educational loans to pursue a range of courses at higher education institutions in India and beyond. Even though there are now more education loan accounts than there were a year ago, the number of accounts and their sums have not grown at the same rate annually. This study is conducted with three objectives: first, to explore the terms and conditions of education loans provided by different public banks. The growth in educational loans in public sector banks is the second goal, and examining the various interest rates that various banks charge is the third. The study revealed that more than 90% of education loans are provided by public sector banks, and SBI is the main player with the lowest interest rate and attractive terms and conditions. For students, understanding the terms and conditions of school loans is essential. This includes repayment plans, grace periods, and eligibility criteria. Analyzing the growth patterns in educational loans offered by public sector banks helps identify trends and potential areas for improvement or expansion. Different banks may impose varying interest rates, and studying this aspect is vital for students to make informed decisions. Lower interest rates can significantly impact the financial burden on students Despite a growth in the number of education loan accounts, the year-on-year growth rate has been declining. This pattern begs the question of what is causing the slowness.

Inflation Anchoring in India

Dr. Punam Devi, Dr. Anand Dahiya, Annu Dalal, Annu Dalal — Fri, 01 Mar 2024 00:00:00 +0000

a monetary targeting provides a nominal anchor to the economic systems, Countries initially used currency pegs as a nominal anchor but faced limitations due to a loss of monetary policy flexibility. Transitioning to flexible exchange rates provided autonomy but required a new anchor. Monetary targeting, linking money supply to inflation, followed but proved challenging due to changing financial dynamics. As a response, many nations, especially those with flexible rates, embraced inflation targeting. In many developing nations, historical dependence on inflation for growth targets, coupled with issues such as inadequate inflation measurement and an unstable demand function for money, has cast doubt on the success of inflation targeting (IT). The global trend has seen a significant shift from monetary targeting to IT, with New Zealand's success inspiring over 50 countries to adopt it. However, IT may pose serious challenges for countries like India. Factors such as fiscal dominance, a lack of continuous and reliable inflation measurement tools, and the shift from Wholesale Price Index (WPI) to Consumer Price Index (CPI) contribute to the complexity. Additionally, supply shocks in the food sector and the existence of the Phillips curve present major challenges for India in effectively implementing inflation targeting. The unique economic conditions and structural challenges of developing nations necessitate careful consideration of the suitability of IT as a monetary policy framework.

An Empirical Examination of Non-Performing Assets in Public Sector Banks

Beena S. Sheth, Dr. Haresh Vaishnani — Tue, 02 Apr 2024 00:00:00 +0000

As banks are backbone for Indian economy any concern that effect to the banks can create trouble for the whole economy. And non-performing assets is one of that events that affect the profitability of banks. For financial institutions, especially banks, managing non-performing assets (NPAs) is a major concern that affects both their overall performance and financial health. Because the existence of non-performing assets negatively impacted the banking system's efficiency, attention has shifted to enhancing asset quality and risk management. This study uses a comprehensive strategy that integrates secondary data sources to evaluate the associated financial performance indicators, analyze various tactics and methodologies used for managing NPAs, and assess the present condition of NPAs in chosen institutions. The goals of the study include examining the connection between a bank's financial performance and its NPA. In this study the aim behind this paper is to compare the gross NPA and Net NPA of public sector banks. A variety of hypotheses pertaining to these goals are tested through statistical analysis. The goal of this study is to compare the nonperforming assets of a subset of public sector banks from (2017–18) to (2021–22). This research adds to the current conversation around NPA management in the banking industry and provides insightful information to stakeholders, financial institutions, and policymakers. Making well- informed decisions and influencing the direction of financial stability in the banking sector requires an understanding of the dynamics of non-performing asset (NPA) management and how it affects bank profitability

ULIPs: Identifying Awareness, Preferences and Buying Pattern in Mumbai

Girish Kirtani — Wed, 10 Jan 2024 00:00:00 +0000

An investment is an asset acquired with the goal of generating revenue and capital appreciation. It refers to the allocation of resources with the expectation of generating wealth to be used in the future. There are various investment choices available in India such as financial investments, real estate, commodities etc., the choice of which depends on various factors such as tenure of investment, risk appetite, financial goals etc. ULIP is one of the investment options available for investment. ULIP stands for unit linked insurance plan. It is a financial product that offersthe dual benefit of investment and insurance to investors. The present paper tries to study people’s perception and preferences towards ULIP as an investment option. The study aims to determine whether ULIP plans are fulfilling the needs of society and to examine the factors taken into consideration while opting for the ULIP policy. The information for the study has been collected from both primary and secondary sources. Primary data is collected with the help of a well-designed questionnaire from respondents from Mumbai city, and secondary data consists of information collected through various websites, newspapers, and articles. It was observed that ULIP plans are known to almost everyone and a significant portion have already invested in ULIP, the primary reason being the dual benefit of insurance as well as investment. Yet there are people who are reluctant to include ULIP in their portfolio for different reasons.

EVALUATION AND SIGNIFICANCE OF GREEN FINANCE

Ms Sakshi Prakash, Palak Gupta, Dr. Sonia Gupta — Mon, 15 Jan 2024 00:00:00 +0000

The field of green finance is expanding quickly and has major implications for both environmental sustainability and economic development. It includes a wide variety of financial tools and services designed to facilitate the shift towards a low-carbon, resilient, and inclusive economy. This study investigates the diverse aspects of green finance, examining its main features, goals, and obstacles. As environmental worries continue to grow and the pressing necessity to tackle climate change becomes more apparent, green finance has arisen as a crucial resource for promoting sustainable development. Green finance aims to reduce climate risks, preserve resources, and support sustainability by directing financial resources towards eco-friendly projects and initiatives. In this paper, we will explore the various strategies for enhancing green financing, including making green investments more financially lucrative, leveraging technology and policy to promote green financing, and the roles of regulators and financial institutions in advancing the green finance agenda. Additionally, we will address the obstacles and challenges associated with green financing. Numerous findings from cross-country research have been recorded regarding the hurdles of green finance and potential solutions to address these issues. According to the research, green money has the potential to have a significant influence on the environment, society, and climate change mitigation. According to the research, green money has the potential to have a significant influence on the environment, society, and climate change mitigation as well as a scarcity of lucrative incentives for investors and financial institutions interested in participating in climate change prevention.

An Analysis of Home First Finance Company India Limited's Home Loan Customer Satisfaction with Particular Reference to Gujarat

Mr.Nirmal Velji, Prof. Amir Mohan — Tue, 20 Feb 2024 00:00:00 +0000

The purpose of the research is to identify the variables influencing the customer's satisfaction with the home loans offered by Home First Finance India Limited as well as to comprehend the banking rating and customer satisfaction expressed by customers regarding the Home First Finance India Limited company. The purpose of this study is to identify the variables that affect consumers' happiness with house loans and to investigate the connections between important variables that affect consumer satisfaction. For this purpose, 204 respondents were taken as a study sample to get the needed information. The study is an Exploratory as well as descriptive type. The data are collected from survey using a questionnaire method. Multiple regression was utilized for representation in the analysis and interpretation of the data that were gathered. Statistical methods such as percentage analysis and statistical analysis like correlation were also employed. We used a special tool called SPSS to Analysis study the answers from the customers. We wanted to see if there was a connection between Responsiveness, Reliability, Trustworthiness, Access, and Credibility and how satisfied customers were. For Home First financing and other businesses in the housing financing sector, the findings of this study are significant. Also, this research is important for the company because it helps improve customer happiness by providing excellent service. It also assists employees and researchers in understanding what customers need. Furthermore, this research assists people in getting home loans and understanding the problems customers face when applying for loans and paying them back.

Auto-Regressive Integrated Moving Average (ARIMA) Model of Technical Analysis – A Study on NSE Nifty 50 Index

Tarakeswara Rao. Sivvala — Wed, 27 Mar 2024 00:00:00 +0000

Technical Analysis tries to estimate the future price of a stock or an index typical based past price action. Essentially technical analysts believe that fundamental view of the organization or the sector is already priced in, and the future prices move in certain patterns based on its own historical behaviour. There is a wide spectrum of techniques and methods in the area of technical analysis, which essentially try to reduce the forecast errors. The Auto-regressive Integrated Moving Average (ARIMA) model is among the first methods. These classes of models assume that a stock index is basically a time-series and that an index is a linear stationary random process. In this research an attempt is made to develop prediction models for stock indices using LSTM and CNN architectures – as both standalone models and with ARIMA as hybrid variants. The results indicate hybrid models perform better than standalone variants and the new hybrid models proposed in this study. These architectures are investigated in combination with ARIMA as well as in standalone settings. The results of this investigation show that hybrid models—which combine LSTM, CNN, and ARIMA—perform better and have higher prediction accuracy than standalone versions. The new hybrid models that are presented here increase financial market predictive modelling and present opportunities to improve trading and investment strategy decision-making.

An empirical examination of Non-performing Assets in public sector banks

Beena S. Sheth, Dr. Haresh Vaishnanai — Tue, 02 Apr 2024 00:00:00 +0000

As banks are backbone for Indian economy any concern that effect to the banks can create trouble for the whole economy. And non-performing assets is one of that events that affect the profitability of banks. For financial institutions, especially banks, managing non-performing assets (NPAs) is a major concern that affects both their overall performance and financial health. Because the existence of non-performing assets negatively impacted the banking system's efficiency, attention has shifted to enhancing asset quality and risk management. This study uses a comprehensive strategy that integrates secondary data sources to evaluate the associated financial performance indicators, analyze various tactics and methodologies used for managing NPAs, and assess the present condition of NPAs in chosen institutions. The goals of the study include examining the connection between a bank's financial performance and its NPA. In this study the aim behind this paper is to compare the gross NPA and Net NPA of public sector banks. A variety of hypotheses pertaining to these goals are tested through statistical analysis. The goal of this study is to compare the nonperforming assets of a subset of public sector banks from 2017–18 to 2021–22. This research adds to the current conversation around NPA management in the banking industry and provides insightful information to stakeholders, financial institutions, and policymakers. Making well- informed decisions and influencing the direction of financial stability in the banking sector requires an understanding of the dynamics of non-performing asset (NPA) management and how it affects bank profitability.

THE EFFECT OF COVID-19 ON INDIAN BANKING SECTOR

Mon, 26 Feb 2024 00:00:00 +0000

Covid 19 pandemic which disrupted the Indian banking sector leading to Challenges in asset quality, investment and overall economic stability. Although the Indian banking sector has been studied. this report has been written on the basis of many different articles, news which shows major impact has happened on Banking sector performance.As covid 19 pandemic comes with catalyzing unprecedented challenges and adaptation for example - Operational constraints, heightened nonperforming assets, sluggish credit growth and many.As the economy is going through uncertainties, the banking sector underwent many changes. the investment options had changed there is change in No of CASA (current account and savings account). To put it in perspective, in recent years the repo rate has reduced by 75 BPS. Reverse the repo rate by 90 BPS and lower the CRR by 100 BPS. This paper aims to examine the difference that came in the Indian banking sector before and after the COVID-19 pandemic. Banks had to deal with various issues like service disruptions, more people being unable to repay loans, slower credit growth, and a quick move towards digital banking. In the midst of economic uncertainties, the industry transformed by implementing new strategies and following regulatory guidelines to continue operations and meet customer needs. This paper aims to explore how the pandemic affected the Indian banking sector, looking into its resilience, responses, and the changing landscape in the aftermath of this global crisis.

IPOs in INDIA: A decade analysis for IPOs average return

Ashwin Gedam — Wed, 20 Mar 2024 00:00:00 +0000

Ever since the people of India got an alternative investment opportunity, stock market has been proven as a best investment venture for the passionate Indian investors. Some people call stock market investment a gamble but for the wise investors it is like a gold mine for generating wealth. Investing in initial public offerings (IPOs) represents one of the finest ways to benefit from stock market investing. IPOs give investors a chance to reap benefits of a new share when it has only begun its life on the share market. IPOs are not new in India, but over a decade they are in demand like ‘hot cakes’ in securities market. Whether people understand the working of IPOs or not, but they still want to bet on their favourite IPOs to make an instant gain. This paper studied IPOs issuance v/s listing price over a decade and tried to calculate the average return these IPOs have returned. For instance, if a person invested in all IPOs at their issuance price and taken out all the money at their listing price, and if he or she have done this over a decade then the average returned obtained is seen. The present paper makes an earnest attempt to understand the working of IPO in Indian securities market with respect to their average return.

IMPACT OF WAR ON AN ECONOMY

GAYATRI RANDHAVANE, RUJUTA BHAGAT, Dr. Sonia Gupta — Tue, 16 Apr 2024 00:00:00 +0000

In today’s world where we all believe in peace there are also conflicts going on. We often come across news such as natural calamity, recession, inflation, terrorism, war, etc. The current news that interests a lot is the war and its impact on an economy. In this research paper we will study the reasons due to which war takes place as well as its short-term and long-term effects on an economy. We'll research a few conflicts that have had a negative impact on the world economy. In today’s time war takes place between the countries due to their personal interest, against terrorists, to protect their country, etc. Thus, the study will also aim in understanding how due to war the victim countries as well as other countries get affected even if they do not get involved in the war. Conflicts dominate the world landscape, with war standing out as a major and disturbing phenomenon. This study examines the various elements that led to the start of war, including personal interests, counter-terrorism operations, and national security. Furthermore, the research intends to unearth the complicated links between war and its far-reaching consequences for both affected nations and those not directly participating in the battle.