आरबीआईः अतिरिक्त सीआरआर लगाया, सस्ते कर्ज का रास्ता बंद

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रिजर्व बैंक ने सस्ते कर्ज की आस लगाए लोगों और इंडस्ट्री को तगड़ा झटका दिया है। बैंकिंग रेगुलेटर ने 100 फीसदी का अतिरिक्त सीआरआर लगाया है, जो 16 सितंबर के बाद जमा पर लागू होगा। इस फैसले से सिस्टम से 3.24 लाख करोड़ रुपये बाहर होंगे। हालांकि ये फैसला मोटे तौर पर नोटबंदी के बाद से जमा पर ही लागू होगा।

आरबीआई के इस फैसले से 16 सितंबर से 11 नवंबर के बीच सारा डिपॉजिट सीआरआर में जाएगा। बैंक इन पैसों से बॉन्ड नहीं खरीद सकेंगे और बैंक इन पैसों से कर्ज भी नहीं दे सकेंगे। दरअसल बॉन्ड मार्केट में गिरावट को रोकने के लिए सीआरआर बढ़ा है।

मसलन आरबीआई के कदम से बैंकों को नुकसान होगा और सीआरआर पर ब्याज नहीं मिलेगा। आरबीआई ने बॉन्ड मार्केट में गिरावट को रोकने के लिए ये फैसला लिया है, क्योंकि नोटबंदी के बाद बॉन्ड मार्केट में यील्ड लगातार बढ़ रही थी। यहीं नहीं बैंकों को सीआरआर पर ब्याज नहीं मिलेगा, मगर डिपॉजिट पर ब्याज देना होगा। सीआरआर पर ब्याज नहीं मिलने और डिपॉजिट पर ब्याज देने से बैंकों को नुकसान होगा।

बैंकों को डिपॉजिट पर ब्याज देना होगा मुनाफा घटेगा। आरबीआई के इस कदम से बॉन्ड मार्केट में कुछ अवधि के लिए गिरावट आएगी। 10 साल के बॉन्ड की यील्ड 0.3 फीसदी बढ़ने का अंदेशा है। बैंकों के पास रखें बॉन्ड की कीमत घटेगी, ऐेसे में बैंक शेयरों में भारी गिरावट की आशंका है। डेट फंड की एनएवी भी घटेगी।

सेंसेक्स 58 अंक टूटा, निफ्टी 8100 के नीचे

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बाजार में आज कारोबार की शुरुआती में कमजोरी के देखने को मिल रही है। सेंसेक्स 58.28 अंक टूटकर 26260 के नीचे आ गया है। वहीं निफ्टी 0.2 फीसदी की गिरावट के साथ 8100 के नीचे कारोबार करते नजर आ रहा है। वहीं बैंक निफ्टी भी 1.18 टूटकर 18,289 के स्तर पर कारोबार कर रहा है। वहीं लार्जकैप शेयरों में भी हल्की बिकवाली देखने को मिल रही है।

बीएसई का मिडकैप इंडेक्स 0.49 फीसदी मजबूती के साथ 12242 के स्तर पर कारोबार कर रहा है। वहीं बीएसई का स्मॉलकैप इंडेक्स मामूली गिरावट के साथ 3152 के स्तर पर पहुंच गया है। बैंक निफ्टी में भी 1 फीसदी टूटकर 18,290 के निचले स्तरों पर कारोबार आ गया है।

सेक्टोरियल आधार पर देखें तो निफ्टी का मीडिया और रियल्टी इंडेक्स 0.8 फीसदी, ऑटो इंडेक्स 0.5 फीसदी, फार्मा 0.2 फीसदी औऱ मेटल 0.1 फीसदी की मजबूती दिखा रहे है। वहीं पीएसयू बैंक 2 फीसदी, फाइनेंशियल इंडेक्स 0.8 फीसदी, आईटी इंडेक्स 0.6 फीसदी की कमजोरी दिखा रहे हैं।

फिलहाल बीएसई का 30 शेयरों वाला प्रमुख इंडेक्स सेंसेक्स 58.28 अंक यानि 0.2 फीसदी की कमजोरी के साथ 26258 के स्तर पर कारोबार कर रहा है। वहीं एनएसई का 50 शेयरों वाला प्रमुख इंडेक्स निफ्टी 14.35 अंक यानि 0.2 फीसदी की गिरावट के साथ 8099 के स्तर पर कारोबार कर रहा है।

बाजार में कारोबार के इस दौरान दिग्गज शेयरों में बीपीसीएल, ग्रासिम, पावर ग्रिड, सिप्ला और जी एंटरटेनमेंट 3.2-1.5 फीसदी तक उछले हैं। हालांकि दिग्गज शेयरों में बैंक ऑफ बड़ौदा, एसबीआई, आईसीआईसीआई बैंक और टीसीएस 3.1-1.4 फीसदी तक फिसले हैं।

Only those hiding black money were against demonetization

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The Puducherry unit of Bharatiya Janata party (BJP) today said those who were hoarding black money and evading income tax alone raised the banner of revolt against the Centre's move to combat corruption and fake currency, through demonetisation. President of Puducherry unit of BJP, V Saminathan in a release here said that those who were honestly paying income tax were all praise for Prime Minister Narendra Modi's initiatives. "Only those hiding black money were up in arms against it," he alleged.

Asian markets look attractively valued, overweight on IT

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Asian markets look attractively valued. Mean-reversion on valuation over the next five years would deliver an annual return of 8.9 percent. He further says earnings in the region are recovering, most evidently in the cyclical markets of North Asia, as is liquidity. Sentiment remains too negative and investors are sheltering in the more defensive ASEAN and India markets. By contrast, he advocates a more pro-cyclical, pro-value stance, and favoured markets are Korea, Singapore and Taiwan. Sector-wise, he is overweight on technology, materials, banks and consumer discretionary. 

While he likes risk as an investment factor, he acknowledges it could backfire on trade frictions, more political upsets and a stronger USD in 2017. With valuations 0.5 standard deviation below mean, though, Asia ex-Japan looks to be pricing in too fearful an outlook.

Seven must know facts about term insurance plan

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The term insurance plan is a pure life insurance plan which gives you an option of buying life insurance in the most economical way. It is also known as a pure life insurance plan because it provides cover against death only, without any investment and saving component. There are multiple benefits and features associated with a term insurance plan. But still, many of us may not be aware of these facts about a term insurance plan. So, let’s look at seven must know facts about a term insurance policy.

1. Most economical way to get a life insurance: In comparison to other traditional life insurance, a plain vanilla term insurance plan is the most economical way to get a life insurance. You can get sum insured of Rs 1 crore at a nominal premium.

2. You can get your premiums back on maturity: The major reason why people don’t buy a term insurance policy is because there is no return upon survival or no maturity value. If the insured person survives the policy term, he gets no return as it does not inculcate the elements of saving and investment.

3. Option of convertibility and riders: Our need is not always the same. With changing circumstances, our needs also change. To fulfill the changing needs of the insured person, term insurance plan comes with an option of convertibility. This convertibility feature of term insurance plan gives you an option to convert your existing term insurance plan into a permanent life insurance plan during the policy term or at the completion of the policy term.

4. Receive death benefit as monthly income: If you don’t wish that the death benefit should be paid at once as a lump sum amount to the nominee, there is another alternative for you. You can choose to spread out the policy sum assured as monthly income at the policy inception as it might be difficult for the family members to handle, utilize and invest the whole amount payable on a claim.

5. Buying online is easy and cost-effective: Buying a term insurance policy online has a lot of advantages over an offline purchase of a term plan. Online term insurance policies have the major advantage of cost effectiveness, as online term insurance doesn’t involve the cost of an intermediary commission.

6. Cover enhancement: During the policy term in a term insurance plan, you have the option to increase your cover or sum assured at milestone stages of your life like marriage, childbirth, etc. The percentage of increase in cover varies from company to company and plan to plan.

7. You can choose your policy term & premium payment term: Term insurance policy gives you the option to choose the tenure/term of the plan like 15,20 or 30 years as per your future financial requirements and obligations. You don’t need to pay premiums for your whole life. You can also choose a term insurance policy which offers a single pay ((pay a premium once and get coverage throughout the policy)or limited pay option (pay a premium for the selected policy term and get coverage throughout the policy).

Trump claims 'millions voted illegally' for Clinton

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In an unprecedented allegation by a president-elect, Donald Trump has alleged that "millions of people" voted illegally for Hillary Clinton in the November 8 polls and serious voter fraud were committed in three states where he lost. Trump, who offered no evidence for his claims, said that he would have won the popular votes in the US general election "if you deduct the millions of people who voted illegally". 

"In addition to winning the Electoral College in a landslide, I won the popular vote if you deduct the millions of people who voted illegally," Trump said in a first of the series of tweets last evening. He alleged that serious voter fraud were committed in three States of Virginia, New Hampshire and California where he lost.

RBI announces measures to drain excess liquidity

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With a move to managing the excess liquidity in the system banking regulator Reserve Bank of India announced on Saturday that it would absorb a part of this extra cash by applying an incremental cash reserve ratio (CRR) as a purely temporary measure. The CRR remains unchanged at 4 percent of outstanding net demand and time liabilities (NDTL). 

On the increase in NDTL between September 16, 2016 and November 11, 2016, scheduled banks shall maintain an incremental CRR of 100 percent, effective the fortnight beginning November 26, 2016, read the RBI note. This is intended to absorb a part of the surplus liquidity arising from the return of specified banking notes (SBN) to the banking system.

Nifty December Futures to open at 8080

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Friday, Indian benchmark Index Nifty saw a sharp upside rally of 132 points from a low of 8006 to make a high of 8138 and finally closed at 8118. The fears in the market around the demonetization and its negative effects on economy seemed to subside a little as the broader Indices like Small Cap and Bank Nifty continued to outperform Nifty. 

However, RBI's current move to curb excess liquidity with the banks may put some pressure on the markets especially the banking shares, which may get the worst hit. RBI in a circular to all scheduled bank has ordered them to maintain excess reserves in form of an incremental CRR of 100% on the increase in NDTL (Net Demand and Time Liabilities) between 16 Sep and 11 Nov, 2016. However, RBI also mentioned that the move was a temporary one and will be reviewed on Dec 9 2016.

Nifty opens below 8100, Sensex weak

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The low return environment that India seems to be trapped but may get a breather in 2017 due to better equity valuations, bottoming of growth cycle (disrupted temporarily by the recent demonetization) and higher correlations with world equities on which the brokerage house is more constructive. If history is a guide, the trailing EPS growth sets up Indian stocks for strong medium term performance. Proprietary sentiment indicator has still not hit the buy zone so there may be some downside in the near term and thus, the recovery from the recent damage to share prices may not be V-shaped, he feels. 

India's macro stability remains in its best shape in several years and policy momentum is the best since 2007. Financial conditions look easy and the inflation trajectory suggests more rate cuts are in the pipeline, he feels.

F&O cues: Nifty 7900 Put adds 4.6 lakh shares in Open Interest

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F&O cues: 

Nifty 8000 Put added 10.7 lakh shares in Open Interest on November 25 

Nifty 7900 Put added 4.6 lakh shares in Open Interest 

Nifty 8000 Call shed 2.5 lakh shares in Open Interest 

Nifty 8400 Call added 3.9 lakh shares in Open Interest 

FIIs in F&O on November 25 (Provisional data from NSE) 

FIIs net buy Rs 638 crore in Index Future 

FIIs net buy Rs 2422 crore in Index Options 

FIIs net buy Rs 1034 crore in Stock Future