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Eswar Sagar Sr. Associate, CLSA
 
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1 Prepayment
2 Accelerated repayment
Vikram Kashyap  |  Added idea  "Accelerated repayment"  |  3 years ago
In this option, the borrower can repay the loan faster by increasing the EMI. When you get an increment, or seen a sudden increase in your disposable income, you can increase the EMI under this scheme. It amounts to faster loan repayment and...
Shabana Khan  |  Supported idea  "Prepayment"  |  3 years ago
My friend has very rightly explained about this. Some banks charge a prepayment penalty that can be as high as 2-3 percent of the outstanding principal. Some banks allow prepayment of certain number of EMIs in a year, without levying any penalty....
 
 
Ideate: "Repayment schemes for easy EMI" deleted from your view.
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Tips to get started! Set aside at least 20 per cent of your income towards investments as a thumb rule. Use the power of compounding -- the earlier you start the better. Have clarity on your risk/ return profile and don't overdo your equity exposure. Use SIPs into equity mutual funds for most part of your investments initially.  Enter direct equities in a phased manner.  Have some amount in debt funds as well. Choose your investments after good amount of research. Use this as an opportunity of learning on the practical aspects of finance. Learn from your mistakes.  Patience and self discipline are key factors to being a successful investor. To Invest or Not To Invest? On the other hand one ...
 
 
Insight: "Few tips to Young Investors in this scenario..." deleted from your view.
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1 Minimal Tax exposure
2 Export incentives
RAMANATHA PRABHU N  |  Added idea  "Export incentives"  |  2 years ago
Suppose if a company export its out sourced work to country outside India is eligible for income tax export benifits subjuct to certain terms and conditions. Suppose if the outsourcing company is located in special zone area, they are as per...
Eswar Sagar  |  Added idea  |  3 years ago
It is now a proven fact that outsourcing is a way to reduce tax liabilities because with the expenses being incurred with the outsourcing process, the company can sometimes be assessed for a lower income tax. Nowadays we try to do our utmost to...
 
 
Ideate: "Tax benefits of outsourcing" deleted from your view.
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1 A stronger focus on risk management
2 An increased focus on returns
Sukhendu Ghosh  |  Added idea  "A stronger focus on risk management"  |  3 years ago
We don't know the direction of exchange rates or the speed at which they will move in the future. But firms should not be lulled into complacency by the recent period and assume that market volatilities—and risks—are permanently lower. Risk...
Eswar Sagar  |  Added idea  "An increased focus on returns"  |  3 years ago
While all central banks naturally place some weight on the return objective when making their reserve management decisions, safety (capital preservation) and liquidity are still universally agreed to be the primary goals. At the same time, however...
 
 
Ideate: "Trends in Foreign Reserve Management" deleted from your view.
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Sabyasachi Chatterjee  |  Answered  |  3 years ago
Choosing a jurisdiction that you would be happy to invest, bank, reside and work in, and possibly retire to means taking into account a lot of factors, and you will need to do your homework. However, the following information may help you to...
 
 
Answer: "I work abroad and move around a lot, but would like to choose an offshore base for investment with a view to possibly..." deleted from your view.
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Eswar Sagar  |  Answered  |  3 years ago
Internal accounting control is a series of procedures designed to promote and protect sound management practices, both general and financial. Following internal accounting control procedures will significantly increase the likelihood that:  ...
 
 
Answer: "What is an internal accounting control system and how can we mantain ours effectivelly?" deleted from your view.
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Eswar Sagar  |  Answered  |  3 years ago
The official accounting standard for CEMEX is Mexican GAAP, which is the accounting standard in our quarterly and annual reports. The 20F report presents stockholders' equity and net income reconciled to U.S. GAAP.
 
 
Answer: "Do you report earnings under U.S. GAAP?" deleted from your view.
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Eswar Sagar  |  Answered  |  3 years ago
The problem with debt in a venture funded company is that the amount of debt directly reduces returns on invested capital. It is far worse than dilution of shares because, in a sense, the lender gets in line in front of the investors and the debt...
 
 
Answer: "Is there a need for an equipment financing source for later stage companies that find venture debt too expensive and..." deleted from your view.
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Saurabh Kapoor  |  Answered  |  3 years ago
Since your question says the venture is "new" I imagine there's no track record and you're working to secure funding based on a business plan and financial projections. While accounting professionals will tell you there are debt/equity ratio...
 
 
Answer: "What is the ideal funding model for a new real-world internet venture? What would be a good Debt-Equity Ratio?" deleted from your view.
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I want to know, 'Are Real Estate returns better than Stock market returns for the Long Run?'
V.Durga Rao  |  Answered  |  3 years ago
Yes. Real estate returns are better than stock market returns in the long turn. For the simple reason that, whatever the market condition, people needs land. Though, the term real estate is general for reference, we we see the real estate...
 
 
Answer: "Which is a better investment, Stock Market or Real Estate?" deleted from your view.
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