Business Laws you should be aware of

Posted on December 10, 2019October 6, 2020Categories Education, Entrepreneurship, Executive Courses, Indian Economy, Mergers & Acquisition, Mutual Funds, Public policy   Leave a comment on Business Laws you should be aware of

Your business might be a separate entity on paper, but it is always going to be close to your heart. After all, your business is the bread and butter for all practical purposes.

So, what makes a business run smoothly in the longer run? A lot of you might say “sales”. Of course, sales is important and growth in sales every year is a positive sign. This is only possible if the business is doing business ethically as per the law of the land.

Business’ engaging in unethical practices come under the radar at some point of time, leading to a mega boycott by its consumers, suppliers and Government – which eventually making it a business from the past.

Different countries have different business laws. There are a few laws that are common, and a few that are different in each and every country.

Following business laws is very important as –

  1. You want your business to continue for a long time
  2. You don not want to end up in jail
  3. Your business has to be eligible for local, national and international contracts.

When in India, there are few business laws that every single business owner must know.

Business Formation Law

Before you start a business, you need to choose the type of business you wish to run. Are you planning to run a company that is public, a business with limited liability, sole proprietorship, or family business.

Once this is done, the owner must register his company with his regional Registrar of Companies (RoC).

Finance laws

Business runs on money and during the early days it is important to invest sufficient amount of money to keep your ship afloat.

Mainly, there are 3 ways to fund your business:

  1. Equity: By selling equity shares of your business, you bring cash in return which will help you grow your business.
  2. Debt: You incur a debt by taking out loan for your business at a fixed interest rate.
  3. Self-finance: This doesn’t need an explanation. You take money from your savings to fund your business.

Employment laws

You might be the only person working for your business during its early stages, but eventually when your business grows, you will have to start hiring.

When you have employees working for you, you must abide by labour laws and have agreements in place to ensure there are no conflicts in future. Ensuring you meet all labour/ employee law requirements may sometimes require you to hire consultants.

Intellectual Property Laws

If you have A business that invests heavily in research and development and builds new proprietory products – you need to be careful about Intellectual Property laws. It is necessary that you have a copyright, trademark, or patent it so that others cannot copy it.

Information technology laws

The use of technology in almost every single business is mandatory. It is also important to adapt to new technologies so that your business doesn’t lose out on efficiency.

Technology is the life blood of businesses now, but that comes at the risk of online threats. This is why the Government of India has introduced the IT act so that your identity and privacy is legally protected.

Contract laws

This is one of the most important laws to know. The laws that we spoke about until now thrive because of the contract law. This is a contract where both the parties unanimously agree to the stipulated conditions mentioned in the and agree to work together.

This needs to be communicated rightly so that there’s no dispute later on.

Conclusion

All major business players in the Indian market are known to abide by business laws to conduct business in India and the World. Only with clean books of accounts can the local and national population trust   a business. This is important for bidding for local, national and international contracts. This ensures longevity and a stable growth for the business.

BSE Institute Limited’s Executive Program in Securities and Business Law is all you need for building a stable empire, built on sound legal guidelines and trust. Join now!

 

Art of Portfolio Management

Posted on November 21, 2019Categories Corporate Finance, Executive Courses, Financial Markets, Global finance, Indian Economy, Investment Banking, MBA, Mutual Funds   Leave a comment on Art of Portfolio Management

When you look at a financially stable person, you often wonder, “how do they do that”? What differentiates a financially stable and unstable person is their respective investment portfolios.

Today, if you are young and reading this, consider it to be your lucky day. Investing young and building an investment portfolio can take you places. If you know the power of compounding, you will realize how important investing is.

So, where do we begin?

Planning your investment portfolio is not easy. It is quite challenging, even more if you are not good with your personal finance. First of all, managing your portfolios is not simply about, “which stocks to buy”, and “which stocks to sell”. Portfolio management requires self discipline, patience, and a bit of knowledge about the companies you wish to invest in.

I’m not going to talk about the stocks to buy today, instead I will talk about how to build your portfolio and stand out!

Risk taking ability

The first question you must answer before investing and building your portfolio is, what is your risk taking appetite. The stock market today is like a restaurant which offers you variety of food to choose from.

You need to understand that some might have higher risks,but at the same time has the potential to give higher returns.

Similarly, there are shares that come with lesser risks, but the returns could be comparatively lesser. It is up to you to decide your appetite and hand pick the right stocks.

Another important step that you need to take, while deciding your risk taking appetite is to decide your short, medium and long term goals. This will help you construct your portfolio in a better way.

If your appetite for risks is extremely low, you could simply invest in mutual funds which is a much safer option. There are various types of mutual funds in India, starting from equity funds, debt funds, index funds, etc.

Assessing the external financial situation

The next step is crucial- to come up with an investment strategy. By assessing the economic situation of the market, you will be able to predict about the future. This assessment combined with your needs could help you plan for the future.

Since, the market landscape is bound to change with time, it is important that you always keep an eye on it and adjust your portfolio accordingly to reduce losses and maximize gains.

Build your portfolio

Now to the final step. Once you have done your analysis, you can finally start building your portfolio by allocating the necessary asset classes and securities. You can always hire a portfolio manager for expert suggestions. It is important to understand that the whole objective is to minimize the risks and attain your investment goals.

You should not see your investments as a source of long term income. Instead, look at it as a business which could help you make money without actually participating in any business. Once you look at it through a business’ perspective you will realize the impact it could have on your wealth and the benefits that are meant to follow.

Once you have built your investment portfolio, you can relax and continue to keep an eye on the market. Make the appropriate changes as per the market scenario and stick to the strategy.

All the steps we saw are part of a cycle, therefore an investor must ensure that he keeps going about the same steps during suitable intervals. This will ensure that your portfolio is stable and your graph is moving towards your goals.

Conclusion

The world could be a much better place if everyone was financially literate and focused on making their money work for them instead of working for money.

When it comes to the stock market, the potential is endless. BSE Institute Limited’s Executive Program in Wealth Management is a course built for you to exploit the potential of the stock market and multiply your portfolio. This is your chance to learn something incredibly important and secure your future.

Investing in Small-Cap Mutual Funds

Posted on November 13, 2019Categories Financial Markets, Global finance, Indian Economy, Investment Banking, Mutual Funds   Leave a comment on Investing in Small-Cap Mutual Funds

Every person who begins earning is given one common advice,“You become rich only when you consume less than what you produce”.

This doesn’t happen with a salaried job, but by investing regularly in stock market.

Any professional will underscore the importance of being financially independent. You can’t be financially independent just because you have a nice job with a 6 figure salary. Your needs grow faster than your salary. This is where financial intelligence is important. If you can make your money work for you, all your goals shall seem attainable.

That brings us to the Indian Stock Market. An ambitious person will look at the best investing options and diversify his investments. Small-cap funds are popular among investors who are willing to take risks and go big. It is always advisable to have a small portion of your portfolio dedicated to these small-cap mutual funds which might give you some great returns in the longer run.

What are small-cap mutual funds?

Small-cap equity mutual funds invest in equity shares of companies that have a smaller market capitalization. These have potential to give higher returns because of the fact that these companies are young, and tend to expand aggressively. At the same time these are vulnerable to economic slowdown when compared to larger companies. Investors who have an appetite for risks can go for such funds in the market.

What makes it popular?

Small-cap funds are bound to generate higher returns in years to come. There are over 2000 small-cap funds available. When it comes to the BSE small cap index, there is a lack of proper coverage and information. Since the options available in small-cap funds are diverse, it continues to be a great option – as there are many companies which can give you great returns on investment.

Who should invest in small-cap funds?

As we said before, investing in small-cap fund tends to carry greater risk when compared to other mid or large cap funds. An investor who has an appetite for taking risks and is willing to invest for upto 10 years should definitely look at these funds. Someone who has a long term goal like buying a luxury product, a home, education or any such product that could involve lot of money- should keep an eye on small-cap funds.

A good strategy while looking at small-cap funds is to invest through SIPs (Systematic Investment Plans).

Things to consider before investing in small-cap funds?

  1. Risk: Small-cap funds are lesser established companies who can go out of business in case of a market crash. This is one major reason why people avoid investing in such high risk funds. At the same time if everything goes well, the gains could be enormous.
  2. Return on investment: This is better left unsaid. Every single investor has returns on their mind when investing. They look at potential gains before investing and hope that they get best returns in the longer run. No other fund offers better returns than a small cap fund.
  3. Investment period: The market is bound to fluctuate throughout the year. There are times when the downfall is unbearable to an investor. If you cannot manage to stay invested for over 5 years, don’t think about investing here.
  4. Goals: Historically speaking, the market has always seen small cap funds generate better returns. The scope for growth is immense. You could end up making some staggering returns, that can help you retire fast. For someone with a long term financial goal, this is the perfect investment and one that could pay handsome dividends.

Conclusion

Being financially literate is a must, no matter who you are. Master the art of financial investing with BSE Institute Limited’s GFMP Edge Financial Markets Program. With modules that cover basics about capital markets and financial markets, make your money work hard for you and ensure you retire young!

Build your wealth, Build it with wealth management

Posted on September 9, 2019Categories Education, Executive Courses, Financial Markets, Global finance, Indian Economy, Investment Banking   Leave a comment on Build your wealth, Build it with wealth management

The money that you earn is what backs you financially throughout your life. The problem is when you realize that the money earned is not sufficient enough to cover certain long term/ short term needs. This is exactly why you need to plan for multiplying your income.

Wealth management is your master plan for building multiple sources of income that can keep you comfortable throughout your life.

In order to have a well-planned wealth management system at your disposal, individuals hire wealth managers who assess their income sources and their financial goals.

Wealth managers act like CFOs for individuals. A wealth manager will start by developing a plan for his client which will involve steps to increase his wealth keeping in mind his risk taking appetite, goals and his financial situation. Once this is done, the client and the manager meet periodically to make changes and update the portfolio as required.

Let us suggest you a few tips that could act as the backbone of your wealth management plan.

  1. Spend less than you earnThis has to be the most basic and obvious tip you’ll ever get. The reason we mentioned this is because if you are planning to start managing your wealth, this is where you need to start.
  2. Invest only after proper research- There are various investment schemes for you to choose from. It is very important that you have thorough knowledge about the scheme you wish to invest in. After all it’s your hard earned money that’s at stake. One of the most common mistakes committed are by people who listen to the words of their friends or people they know personally. Never have blind faith in anyone when it comes to investing.
  3. Diversify your investments- In the words of Warren Buffett, “never test the strength of the current with both feet”. The reason being that the market is a volatile place filled with unpredictability. One of your investments might be giving great returns for years, but that doesn’t mean you should invest all your wealth in the same place. Diversifying your investment will keep you on the safer side at all times and ensure that market fluctuations don’t mess your whole portfolio.
  4. Be patient- Investing is no doubt a thrilling game, but it is important that you be patient at all times. The nature of market is such that it could test your patience and cause frustration. Believe in your investments and keep monitoring them. Always keep an eye and observe the investments that are performing and non-performing and accordingly shuffle your investments.

We have spoken about wealth management from an individual’s point of view, but it’s certainly not that narrow. It is extremely important from a business’ point of view to keep an eye on managing its income, expenditure and planning for the future.

A fine example now in the news, is the story of Micromax. Micromax is a consumer durables company that started off by selling mobile phones and now is getting into selling fridges, washing machines and electric vehicles. From the time they were valued at Rs. 21,000 crores in 2015, to dropping to a valuation of Rs. 1500 crores!

Many Private Equity investors are now selling their stakes in Micromax for heavy losses. These PE players are selling their stake for Rs. 93.65 crore to the promoters, who will now hold over 85%.

So why are investors shifting their money away from Micromax, when the company still has a lot of sales. The reason is that there are many Chinese brands which have flooded the Indian telecom market.

Chinese brands have changed the entire mobile phone market in India. These firms introduced the latest mobile phones, advertised heavily and built a solid distribution network in the market. This put many established players like Micromax on the back foot and they have struggled to adapt ever since.

Venture Capitalists and Private Equity Investors are companies which have raised funds from other HNIs, banks and other financial institutions. They come under tremendous pressure to pull out of loss making investments. PEs and VCs have to make money and reinvest the profits in other businesses. The managers running the funds get paid only when they earn profits. By staying put in a company with a falling valuation, the chances of earning, are quite low.

This is what successful investors do. They move their money from one investment to another – multiplying each time they move it. That’s how they build their wealth. This is how HNIs grow their wealth, but remember this – they all begin at the same place.

Conclusion

Wealth management is one of the most basic financial information that a person needs to know. It doesn’t matter if you’re from a different background, because we all earn money and our goal is to multiply it.

BSE Institute’s Executive Program in Wealth Management offers you an opportunity to manage your money with ease. This is your chance to be the person who doesn’t have to worry about money, because money to work for you!

Building with bonds

Posted on September 4, 2019Categories Corporate Finance, Education, Financial Markets, General, Global finance, Indian Economy, Investment Banking   Leave a comment on Building with bonds

Current account deficits, budget surplus, fund raising, etc, are all big terms which we hear about Governments during budgets. Have you ever wondered how a Government earns revenue when it plans to build bridges, roads and ports?

The Government just cannot print money when it plans to spend! It needs to have money it receives in the form of taxes for planning infrastructure expenditure, social sector spending and to pay employee salaries. A big majority of the income earned by Governments is via taxes – income tax, GST, export and import duties, etc. However only income earned through these is not sufficient to fulfill all budgeted commitments.

This is why Governments also raise funds through financial markets, primarily by selling long term bonds to investors. A bond is basically a loan taken from banks, Private Equity funds, Venture Capital Funds or anyone who has the capacity to lend large sums of money. The investors are paid a certain rate of interest for investing in these bonds.

An advantage of these bonds is that an investor can easily sell these on the bonds market and get his investment and interest almost immediately after purchase. Therefore, an investor can literally invest today and get a great return on his investment in a matter of few hours. Also, the chances of a Government defaulting are very very low, as a country can simply print money in order to meet its debt obligations and hence there is no risk of any debt default.

This has been the greatest attraction for investors, as it’s possible to multiply your funds immediately, without any risk of default.

In India, we have different types of bonds which are as follows:

  1. Government Bonds- These issued by the central government with mandatory periodic returns. The government borrows money to fund roads, schools, etc. These are also known as ‘sovereign debt’, and a good option for people with a low risk appetite.

 

  1. Corporate Bonds- These are bonds used by large financial corporations. They tend to give better returns but, there is a possibility of default as it’s corporates who issuing the bonds. A company’s assets are usually tied as collateral against bonds.

 

  1. Municipal Bonds- These bonds are issued by the state governments or the local governments in order to raise money for the government activities. They need to have a maturity period of 3 years and are backed by the government, and hence are safe for investors.

 

  1. High Yield Bonds- These are bonds rated below investment grade. They offer a high rate of interest because it runs a higher risk of default. It is usually issued by small companies who have just entered the market.

 

  1. Public Sector Bonds- These bonds are issued by Public Sector Concerns, which are companies, owned by the Central or the State Government. Therefore, the risk of default is again very low.

 

France, the second largest economy in the Euro zone is one of the latest European countries to issue negative rate of interests on its bonds. The other few notable names are Germany, Switzerland, Netherlands, Austria and a few others. What this means is that an investor is paying these countries to take his money! This situation arises, when investors don’t find other safe investment option and are basically buying bonds to safeguard their funds from taxes.

It’s quite a turnaround for the European Union, which in 2008 was on the brink of collapse, due to a possible debt (bonds) default by Portugal, Ireland, Italy, Greece and Spain. From sky high bond yields to getting paid for accepting investments – its’ quite a turnaround!

As the Euro Zone countries share the same currency, they have only one bank, .i.e. the European Central Bank (ECB). The bank’s Governor is nominated by taking all Euro zone countries on board. But, here’s the catch! These countries cannot print as much money as they wish to as no single country has any control over the central bank. Therefore, no country can spend without any worry and investors run the risk of facing real defaults.

This was an unseen circumstance for investors and the Governments. It resulted in severe budget cuts for the countries mentioned above in order to have an economy that can pay for these bonds. This resulted in a severe recession across Europe and in effect the World.

Apart from the Euro Zone crisis there have been very few instances of countries defaulting on their bonds. Thus, bonds are a great way for investors to earn money safely and quickly.

Conclusion

An investor is blessed with multiple investment options to choose from. It is time Indian investors start taking bonds seriously. They are one of the most underrated forms of investment.

BSEVarsity.com offers you a Certificate Program on Bond Markets to give you a better understanding of bond markets, and help you diversify your investments.

 

Automobiles – not so mobile!

Posted on August 27, 2019Categories Corporate Finance, Entrepreneurship, Indian Economy   Leave a comment on Automobiles – not so mobile!

A slump in business, an economic slowdown, is a topic which most national and international newspapers talk about. All major businesses which depend on consumer spending are complaining about a serious drop in sales, which has forced corporates to shut down factories and lay off lakhs of people.

The automobile industry is one of the biggest employer of the country, employing over 4 million people directly and indirectly. It is said to impact approximately 10% of India’s GDP.

The current slump in the sales of automobile industries reminds us of the decades gone by, not because they faced the same issues as today, but because sales were slow as the whole auto sector was much smaller than what it is today.

May, 2019 saw the sharpest drop in sales (20.55%) recorded in 18 years. This steep drop in sales has forced large manufacturers like Suzuki, Mahindra, Hero Moto Corp, etc – now keep their factories shut for a few days each month, as there isn’t enough demand for their cars/ bikes.

There are many reasons for this mighty slump. Starting from the liquidity crisis, the rise of Uber and Ola and a weak rural economy.

Demonetization and the implementation of the Goods and Service tax has ensured that many people using showed banks/ finance, no longer have the option of these shadow banking options. Most people who buy a two or a four wheeler, take a loan to buy the vehicle. With no unofficial channel of finance available, rural India, which accounts for a major chunk of auto sales, is now unable to purchase tractors, cars or two-wheelers.

A fat chunk of the loans availed by consumers were from NBFCs. They have funded around 55-60% of commercial vehicles, 30% of passenger cars and nearly 65% of two-wheelers in India, according to ICRA. With NBFC loans being unavailable, more than 200 dealerships have shut down in the last 18 months across India.

After the downfall of IL&FS (Infrastructure Leasing & Financial Services), many banks that are sitting on piles of cash, are unwilling to lend money. NBFCs lend money to consumers for buying property, consumer durables or any other product that can be financed. They would usually raise funds from banks, and with banks unwilling to lend them money, lending out to consumers is out of the question.

As observed in many industries, it’s not that a consumer buys what he needs, he/ she is tempted into buying something they may not need, but can afford due to the loan they can take. It will be very rare to see someone buy a car or a large durable product without a loan. Therefore, without the availability of loans, automobile sales have dropped by a huge margin.

There was a time when 70-75% of car sales were financed by NBFCs. It has now fallen to around 50%, thanks to stricter lending norms put in place by lenders.

The slump for this market is drastic and there has to be some changes brought in by policy makers. The only silver lining for the industry is the upcoming festive season. Festivals like Navratri and Diwali could bring in temporary relief for automakers with sales set to go up, at least marginally.

An interesting point for many MNCs to note is the conglomerate of Bajaj. Bajaj sells two wheelers and it realized that it depended heavily on banks and NBFCs for auto sales. Most dealerships have a bank/ NBFC executive at their office in order to provide support to consumers walking in enquire about their bikes.

The Bajaj group has its own NBFC arm by the name of Bajaj Finserv, which offers cheap financing options to consumers for its consumers. This was done by Bajaj in anticipation to any market slowdown that could happen in the future. Despite a slowdown, Bajaj Auto witnessed a 7% increase in sales in May, 2019. Hence, it proves that there is a healthy demand in the market, and with financing options, people can purchase what they need.

The auto sector is witnessing a slowdown, despite consumers having the willingness to spend. Ensuring that sales do not dip and the company has enough finance with it to run operations is the task of the CEO. The CFO is tasked with mainly managing the finances, arrange finance (corporate finance) – but in the case of an NBFC, his role is as important as the CEO.

These are the times when people look up to a company’s CFO. If a CFO is able to manage corporate finance well, he can turn a loss making company into a wildly profitable company. At one point of time, the CFO was just meant to be a financial gatekeeper, although now he/ she is a strategic partner for the CEO.

Basically, a modern day CFO must think big, plan for the longer run, he/ she must serve as the final financial authority that .

He is seen as a leader who ensures financial stability for the organization, supports the CEO and provides the Board of directors with a long term plan to ensure the smooth functioning of the organization.

Conclusion

Financially difficult situations are pretty much inevitable in the modern world. Changes are constant, and it all boils down to the decisions made by the senior management, such as the CEO and the CFO.

BSEVarsity.com offers an online course on CFA level 1 course on Corporate Finance. It is designed to give young working professionals a better understanding about the financial aspects of a firm. Get a unique in-depth understanding without disrupting your daily schedule! Click the link above to know more.

Kickstart your career at a management level & not as a fresher with a Masters in Financial Technology

Posted on June 26, 2017Categories Entrepreneurship, Financial Markets, General, Global finance, Indian Economy, Internet of Things, Investment Banking   Leave a comment on Kickstart your career at a management level & not as a fresher with a Masters in Financial Technology

One of the biggest advantages of the 21st century is that no knowledge is out of reach. If there is anything that one wishes to learn and be the best at it, they can do it anytime, any place and anywhere. The downside to this is that skills that are scarce today are available in plenty tomorrow. It is therefor necessary to have a sound understanding of not just one, but at least of couple of important industries and their businesses.

Technology is one of the most important function of any organization today as it has practically changed the way any business is done. Finance is one of the last industries to be disrupted, but considering the impact that the world of Finance has on economies all over the World, it is important to situp and take note of the way the industry is changing. The biggest challenge that major banks and financial institutions face is their inability to hire large number of talented professionals for managing these businesses, due to the unavailability of skilled professionals. The industry desperately needs professionals who understand financial markets, banking and technology.

BSE Institute LTD (BIL) is a 100% subsidiary of Bombay Stock Exchange (BSE) and has over a decade’s experience in providing training to students and working professionals in the field of Insurance, Banking and Finance. BIL offers multiple short term and long term courses for beginning their career or moving up the corporate ladder. BIL has won multiple education awards nationally and globally for the high quality of education and training provided by it. BIL courses are recognized globally in countries like UK, Germany, Australia, Canada, New Zealand, etc. This gives students an opportunity to visit these countries under student exchange programs.

BSE Institute Ltd (BIL) and Mumbai University jointly offer a 2 year Masters in Financial Technology. The course is designed to equip students with a sound understanding of Banking, Financial Services, Insurance and Global Markets with a focus on the way technology is disrupting the traditional way of doing business. The course concentrates on major financial theories and concepts a student is expected to know after his MBA/ Masters in Finance coupled with the contemporary way of doing business.

The course is designed around subject like Financial Accounting, Business Statistics, Data Analysis and Interpretation, Principles of Financial Management, Peer to Peer networks, Blockchains, Digital currencies, Insuretech, Derivatives, Fund Management, Robo Advisors, Algorithmic Trading, Banking Technology & Operations, Cybersecurity applications and entrepreneurship management.

Students can also learn day trading in a simulation lab, that lets them conduct mock trading at real time prices. This gives students a feel of what they can expect if chosen for a certain type of job. Students will also be a part of a summer internship, where they get to train at the best financial institutions and banks, and under some of the best professionals of the industry.

Mumbai University was founded in 1857 and has over 5 lakh students on its rolls at any point of time. It is one of the oldest, largest and the most prestigious learning institutions of India. Due to its illustrious legacy, it counts on its millions of alumni, many of whom lead illustrious organizations and industries, for designing its curriculum and guiding students.

Mumbai University offers a degree on successful completion of the course. Students will be provided with placement assistance on completing the course. Click here to know more about the course.

Get set for a well paying career in Finance right after Graduation with a Bachelors in Capital Markets

Posted on June 14, 2017Categories Financial Markets, Global finance, Indian Economy, Investment Banking, Undergraduate Courses   Leave a comment on Get set for a well paying career in Finance right after Graduation with a Bachelors in Capital Markets

College students of the commerce stream start studying and planning for their MBA while they are still pursuing their graduation. The reason for this is the unavailability of suitable/ serious jobs for BCom/ Graduates. The main motivation for an MBA is to get a better paying job, but what if one gets to learn all those Finance subjects that an MBA learns and have an opportunity to get placed next to an MBA.

BSE Institute Ltd (BIL) offers just that. BSE Institute Ltd is affiliated with Mumbai Universities Garware Institute of Career Development, to offer an industry driven 3 year Bachelor’s in Capital Markets Program. The course has been designed in collaboration with working industry professionals for students who are interested in building a career in Financial Markets, Banking, Finance and Insurance. Students will be trained and taught by these professionals who have many years of work experience in the BFSI sector. These professionals are placed at senior positions in major financial corporations and teach using case studies that are made from real business problems.

The course is divided into 6 semesters and consists of subjects like Financial Accounting, Economics, Communication, Principles of Management, Fund Management, Investment Analysis, Data Analytics, Equity Investing, Mergers, etc. Students who have completed their 12th are eligible for this course. The course aims to groom and train students to be as competent as MBAs with a specialization in Finance.

BSE Institute Ltd (BIL) is a 100% subsidiary of the Bombay Stock Exchange Ltd (BSE) offers multiple short term and long term courses related to Financial Markets and the BFSI sector. Through BIL, BSE aims to promote learning and development in the field of Banking, Financial Services and Insurance (BFSI). It aims to be the platform of choice for working executives, the industry and students to gain the appropriate knowledge and skills for them to identify market opportunities and grow. BIL takes advantage of being at the centre of India’s financial capital to provide optimum training and education to students interested in the BFSI sector.

Mumbai University is one of the oldest and the most prestigious Universities’ of India, which was established in 1857. The University has over 5.5 lakh students enrolled at any given point of time.It has the distinction of training and grooming some of the most distinguished pesonalities of the country from almost all walks of life. Adi Godrej, Anil Ambani, Mukesh Ambani, Azim Premji, Chanda Kocchar, etc. who are all well known and established names of the business World have Mumbai University as their Alma Mater.

All students will be given placement assistance. Students will be awarded a degree by the University of Mumbai. Students can learn more by clicking here.

 

 

What is a Pension Fund and why is it hot?

Posted on April 13, 2017Categories Corporate Finance, Financial Markets, Global finance, Indian Economy, Investment Banking   Leave a comment on What is a Pension Fund and why is it hot?

Pension Fund is a fund or a scheme that is designed to provide a steady income to people post retirement. The Indian Government’s Employees Provident Fund Organization (EPFO) is an example of a pension fund. So why are these funds so hot? Why do we keep hearing about them in news articles? This is because they are custodians of a large amount of money. People start contributing to these funds when they start working and enjoy their benefits only when they retire. This gives the fund an opportunity to invest this money for a long period of time.

Pension Funds across the globe are said to control a large number of assets due to the funds that they control. Some of the biggest Pension Funds control over $6 trillion in assets. Morgan Stanley estimates that these funds shall soon control assests worth $20 trillion. EPFO alone is said to control assets worth $123 billion. As an investing organization, they become more valuable than most banks, mutual funds, currency reserves, insurance companies, hedge funds, investment banks, private equities and soverign wealth funds. Like the financial institutions mentioned above, Pension Funds look to invest in stock markets and businesses of stable economies.

Due to the positive political climate, investor friendly policies and a steady business outlook, India is seen positively by these Funds. Hence, we read a lot of news articles about Pension Funds investing in the Indian Financial Markets. Western Pension Funds like the Canada Pension Plan Investment Board (CPPIB), Ontario Teacher’s Pension Plan (OTPP),  Caisee de depot et placement du Quebec (CDPQ), Public Sector Pension Investment Board (PSPIB) and the Dutch Pension Fund APG have invested a thousands of crores in India since 2014. This inflow has given a lot of boost to businesses.

In order to manage their money appropriately, these Funds hire a lot of people in the country of their interest for doing due diligence. They need experts in corporate finance, mergers and acquisition, project finance, investment banking, etc. to help them invest and track their investments. As investors they sometimes get seats on a company’s board. It is because of this that professional skilled in Global Financial Markets are in great demand and are sought after by these financial behemoths.

Get ready for a bull run in Stock Markets

Posted on April 13, 2017Categories Corporate Finance, Global finance, Indian Economy, Investment Banking, Mergers & Acquisition   Leave a comment on Get ready for a bull run in Stock Markets

The BSE Sensex took over 5 years to gain 10,000 points and reach 30,000, but analysts believe that the next 10,000 points could come in 3 years. It’s true. With business friendly policies in place, a slowing global economy and a growing Indian economy, things have never looked better for major corporations and business houses.

With the change of Government in 2014, investors have been wooed by the Govt with many industry and employment friendly policies. All these investor friendly decisions have resulted in a record amount of capital inflow into the markets. India has seen a capital inflow of over Rs 2 lakh crores since 2014 in the stock markets. The year 2017 alone has seen inflows of Rs 49,000 crores!

Investors have flocked to the country because of our strong financial markets. This has ensured that businesses get the working capital that they need, without the need to go abroad for financing. Major financial institutions now need many trained finance professionals who can help them to invest their capital appropriately and get the best rate of return.

Financial houses need professionals trained in project & corporate finance, mergers & acquisitions, financial modelling, investment banking and other financial sectors to advise them and help them manage their capital. Hence, all students who are skilled in Global Financial Markets will be in great demand.