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Portfolio Organizer

June' 04
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Personal Financial Planning : Plan for Your Future
50
Personal Financial Planning :The Professional Approach
50
Personal Financial Planning: Behavioral Aspects
50
Bank Accounts : What You Ought to Know
50
Fixed Income Investments : A Plethora of Options
50
Equity Markets: Value Investing
50
Mutual Funds: can You afford to ignore Them?
50
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INTRODUCTION

Personal Financial Planning : Plan for Your Future

-- G Kumaraswamy Naidu Ali Mohammad Anwer

Financial planning is a necessary step towards securing your financial future. Having a financial plan and adhering to it will help you better manage your finances and retire rich.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

INTRODUCTION

Personal Financial Planning :The Professional Approach

-- Niamatullah

There now is a new breed of professionals, who help you make and implement your financial plans. Based on your income, future needs and risk appetite, these professional financial planners show you the way to achieve your goals.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

INTRODUCTION

Personal Financial Planning: Behavioral Aspects

-- Niamatullah

As with all our financial decisions, our behavioral bias affect our financial plans. One has to understand what they are and try to work around them in one's financial planning process.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

FIXED INCOME INVESTMENTS

Bank Accounts : What You Ought to Know

-- T Ravi Kumar

Banking is the most common financial service we use, but there are many nuances in the pattern of accounts and interest rates that most of us are unaware of.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

FIXED INCOME INVESTMENTS

Fixed Income Investments : A Plethora of Options

-- M S Annigeri

For the risk-averse investors, there is a host of fixed income investments. These investments vary in return, risk, liquidity and duration.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

STOCK MARKET INVESTMENTS

Equity Markets: Value Investing

-- Chandrakant Kamdar

Investing in the stock markets is a long-term game. Value investing is the method of picking up undervalued stocks and holding them over a long-term.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

MUTUAL FUNDS

Mutual Funds: can You afford to ignore Them?

-- Sundar Sankaran

Mutual funds are the most suitable investment option for retail investors who do not have a large investable amount and thorough know-how of the financial markets.

© 2004 IUP. All Rights Reserved.

Article Price : Rs.50

MUTUAL FUNDS

Equity Mutual Funds: The Long-term Winners

-- Ajay Bagga

New to equity mutual funds? This article explains the world of equity mutual funds to you, and shows you why they should be a part of your portfolio.

© 2004 IUP. All Rights Reserved.

LOANS

Personal Loans: No More a Taboo

-- Neeraj Swaroop

Taking personal loans, especially in this low interest rate regime, is easier than ever before. Whatever be your need, from buying a television to children's education, there is a loan available.

© 2004 IUP. All Rights Reserved.

LOANS

Home Loans: Go for that Dream Home

-- K M Mistry

Taking a home loan has become very attractive with the interest rates dropping drastically in the past five years. However, there are many other factors that one must consider before going in for a home loan.

© 2004 IUP. All Rights Reserved.

LOANS

Credit Cards:The Complete Guide

-- P Dinakara Rao

Credit cards have a profound effect on our lives. But do we use our card(s) to the maximum, while sidestepping many drawbacks inherent in the credit card payment system?

© 2004 IUP. All Rights Reserved.

LIFETIME PLANNING

Life Insurance : Make it Work for You

-- Shikha Sharma

There are many kinds of life insurance policies like term insurance, savings linked insurance, whole-life and endowment policies. You should choose a policy based on your specific need.

© 2004 IUP. All Rights Reserved.

LIFETIME PLANNING

Estate Planning: Plan for the Afterlife

-- E Sirisha

Have you planned for your death? Actually, nobody would like to do it. But have you ever wondered who will take care of your family and assets after your death? If you were to meet with the unfortunate tomorrow; can you afford the high cost of not having an estate plan?

© 2004 IUP. All Rights Reserved.

TAX PLANNING

Am I Taxable?

-- C Padmavati

When the due date for filing tax returns approaches, I often face a volley of questions from my colleagues. Am I taxable? Should I file my returns? If yes, how do I file my returns? Here, we try to address the basic issues about what these returns are all about and how to file them ourselves.

© 2004 IUP. All Rights Reserved.

TAX PLANNING

Planning for Investments

-- Samir S Mogul

While investing, your major concern should be to maximize post-tax returns. This article gives you the tax rates and benefits of various investment avenues, so that you can choose the one best suitable to your needs.

© 2004 Samir S Mogul. All Rights Reserved.

 
 
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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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