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Incorporated in the midst of the Global Financial Crisis, Quant Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Multi Asset Fund of Funds  Investment Objective: The primary investment objective of the scheme is to generate modest capital appreciation while trying to reduce risk (by diversifying risks across asset classes) from a combined portfolio of equity, debt/money markets, and gold schemes of Quantum Mutual Fund.   Investment Process   The scheme may invest in the units of debt/money market schemes of other mutual funds to gain exposure to debt as an asset class to manage any investment and regulatory constraints that arise / that prevent the scheme from increasing investments in the schemes of Quantum Mutual Fund.   The scheme follows the thought process of investing in a diversified asset class so that the investors can make the most money out of their investments.   Portfolio Composition  The fund had invested 99.29% of the funds across different mutual fund schemes, having exposure to various asset classes such as equities, debt, commodities, etc., and the remaining funds were held in cash and cash equivalents on 31st October 2023. The equity portfolio is biased towards large-cap equities, with 93.9% of the funds allocated to large-cap stocks and the remaining to mid-cap and small-cap stocks, with 5.46% and 0.28%, respectively.  Note: Data as of 31st October 2023. Source: Value Research Top 5 Holdings for Quantum Multi Asset Fund of Funds   Name Weightage % Quantum Liquid Direct-G 26.70 Quantum Nifty 50 ETF-IDCW 23.95 Quantum Dynamic Bond Direct-G 19.40 Quantum Gold 15.49 Quantum Long-Term Equity Value Direct-G 8.54 Note: Data as of 31st October 2023. Source: Value Research  Performance for Quantum Multi Asset Fund of Funds    CRISIL Composite Bond Fund Index (20%) + S&P BSE Total Return Index (40%) + CRISIL Liquid Index (25%) + Domestic Price of Gold (15%)  Period Scheme Benchmark Since Inception 9.17% 10.08% 7 years 8.20% 10.22% 5 years 8.82% 11.08% 3 years 9.23% 10.39% 1 year  9.39% 9.47% Note: Returns in % as of 31st October 2023. Source: quantumamc.com  Invest in Fund Fund Manager  The fund is managed by Mr.Chirag Mehta. He has been managing this fund since 11th July 2012. He has 19 years of work experience in this field.   Who Should Invest in Quantum Multi Asset Fund of Funds?  The fund is suitable for investors who are seeking.   Long-term capital appreciation.  An investment opportunity in the schemes of Quantum Mutual Fund, whose underlying investments are in equity, debt/ money market instruments, and gold.  Why Invest in this Fund?  The asset allocation of this fund is dynamic and research-backed.  It aims to generate superior risk-adjusted returns.  The fund is diversified across Equity, Debt, and Gold schemes of Quantum Mutual Fund.  It provides tax-efficient rebalancing and indexation benefits.  It provides periodic rebalancing to buy at low and sell at high.  Time Horizon  One should look at investing for at least five years or even more.  Investment through a Systematic Investment Plan (SIP) may help in tackling the volatility of the broader equity market.  Conclusion  The Quantum Multi Asset Fund of Funds is an open-ended fund that allows investors to invest in different schemes of Quantum Mutual Fund. Investors willing to have exposure to different asset classes for diversification can consider this fund for a medium to long-term time horizon. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.

Incorporated in the midst of the Global Financial Crisis, Quant Mutual Fund has been in existence for approximately two decades now. The AMC offers a variety of mutual fund schemes, including equity funds, debt funds, and hybrid funds. Quantum Mutual Fund is known for its focus on active management and its commitment to providing investors with high-quality investment products. Quantum Liquid Fund Investment Objective: The primary investment objective of the Quantum Liquid Fund is to provide optimal returns with low to moderate levels of risk and high liquidity through judicious investments in the money market and debt instruments. The primary objective of the Liquid Fund is to ensure that your investments are made prudently in safe and liquid instruments to earn slightly higher returns than interest on a bank savings account. Investment Process: · The fund prioritizes Safety and Liquidity over Returns and invests predominantly in Government Securities, Treasury Bills, and Money Market instruments issued by Public Sector Undertakings. · The scheme primarily focuses on safety, liquidity, and returns while considering investment options. · The scheme tries to minimize the credit risk by investing primarily in Government securities or PSUs, rated as AAA/A1+. Portfolio Composition: The fund holds its assets mostly in debt instruments to achieve its investment objective. The portfolio comprises 99.32% of allocation to debt securities, and the remaining is held in cash and cash equivalents. Note: Data as of 31st October 2023. Source: quantumamc.com Top 5 Holdings for Quantum Liquid Fund NameWeightage %Reserve Bank of India T-Bills 182-D 07/12/202316.85Bank Of Baroda CD 15/11/20238.46Small Industries Devp. Bank of India Ltd CP 91-D 22/11/20238.45Export-Import Bank Of India Money Mkt 91-D 07/12/20238.42National Bank For Agriculture & Rural Development Money Mkt90-D 13/12/20238.41Note: Data as of 31st October 2023.Source: quantumamc.com Performance for Quantum Liquid Fund CRISIL Liquid Fund AI IndexCRISIL 1 year T-bill IndexPeriodSchemeBenchmarkAdditional BenchmarkSince Inception6.74%6.79%6.11%10 years6.08%6.50%6.45%7 years5.27%5.69%5.77%5 years4.89%5.26%5.68%3 years4.69%4.95%4.63%1 year6.78%6.99%7.01%Note: Returns are in % and are of Direct Plan – Growth Option as of 31st October 2023.Source: quantumamc.com Invest in Fund Fund Manager Mr.Pankaj Pathak is the Fund Manager of this fund. He has been managing this fund since 1st March 2017. He has 12 years of experience in this field. Who Should Invest in Quantum Liquid Fund? Quantum Liquid Fund is suitable for a variety of investors including: · Investors who have short-term investment horizons or are not willing to take many risks in their fixed-income allocation. · Investors who want to park a large sum of money temporarily, say from a bonus, property sale, inheritance, etc., until they decide how to invest that corpus. · Investors who want to stagger their investment in equity schemes through SIPs can park in liquid funds and opt for a systematic transfer plan (STP) · Investors who want to keep contingency funds or emergency corpus in relatively low-risk debt schemes. Why Invest in this Fund? · The fund follows a disciplined research and investment process. · It does not invest in real estate or securitized paper. · It only invests in instruments with less than 91 days of maturity, which makes it less volatile. · The assets of this fund are valued by the process of mark-to-market (MTM) valuation policy rather than amortization. · It has one of the lowest expense ratios in its category. Time Horizon · This fund is suited for investors looking to park funds for a short term of up to 91 days. Conclusion The Quantum Liquid Fund is an open-ended fund that allows investors to invest at a relatively low interest rate risk and relatively low credit risk. The fund is suitable for investors who wish to park their funds for a short-term time horizon to get a better return than what is usually offered on saving deposits. DisclaimerThis is not recommendation advice. All information in this blog is for educational purposes only.

Introduction Kochi, affectionately known as the Queen of the Arabian Sea, is a diverse urban center situated in the Ernakulam district of Kerala. Positioned as a bustling port city along the southwest Malabar coast of India, it boasts a centuries-old trading heritage, notably in the spice commerce spanning over 600 years. Reflecting on its historical grandeur, Kochi maintains the architectural legacy of Dutch and Portuguese influences, evident in structures like the Bolgatty Palace, the Jewish Synagogue, and the Mattanchery Palace. Beyond the outward appearance of a bustling metropolitan culture, the city retains a nostalgic allure inherited from its colonial history.  An Overview of Kochi’s Educational Landscape  Additionally, Kochi hosts some of Kerala's top schools, offering both private and public institutions that uphold high educational standards. Nevertheless, when choosing the right school for your child, careful consideration of various factors is essential to ensure the best educational environment in Kochi for their future. Let's delve into some of these factors. Top Schools in Kochi: A Comparative Analysis:  1. Rajagiri Christu Jayanthi Public School  Rajagiri Christu Jayanthi Public School (RCJPS) is an educational initiative led by the Fathers of the CMI congregation. Situated amidst scenic hills and fields, the school offers an ideal setting for students. With a pollution-free atmosphere and favorable weather, RCJPS provides a rare environment for effective learning, introspection, and contemplation. Established in June 1999 and guided by Christian values, the school excels in both academic skill development and practical application. With a dedicated staff, RCJPS is renowned in Kochi for its result-oriented and holistic approach to education.  2. Asoka World School  Asoka World School is a trailblazing institution in Kerala, at the forefront of seamlessly integrating Google for Education into its classrooms. This global platform fosters collaboration, enabling intelligent use of technology by teachers and students. Through features like video conferences, customized web applications for performance assessment, and school email accounts granting access to Google Apps for Education, AWS empowers students with cutting-edge tools. With aesthetically designed and technologically equipped classrooms, maintaining a 1:20 teacher-student ratio, AWS ensures personalized attention, fostering academic achievements and lifelong skill development. With world-class infrastructure, smart classrooms, top-notch security, and a commitment to hygiene, AWS stands out as a premier alternative to traditional city schools, making it a leading choice among the best schools in Kochi.  3. Bhavan’s Vidya Mandir  Nestled within a serene 7-acre backdrop, Bhavan’s Vidya Mandir, Elamakkara, holds the distinction of being the inaugural school established by Bharatiya Vidya Bhavan in Kochi in 1972. Operating as a fully-fledged Senior Secondary School (KG — XII) affiliated with CBSE, it serves over 2724 students. The school takes pride in its rich tradition of academic excellence, nurtured through strong collaborations with parents, students, faculty, management, and the broader community. Positioned amidst tranquil surroundings, Bhavan’s offers an ideal educational environment seamlessly blending Indian spiritual values with modern technology, encouraging students to strive for excellence in all aspects of life. Undoubtedly, Bhavan’s is recognized as one of the premier schools in Kochi.  4. The Choice School  For more than three decades, The Choice School has been a cornerstone in providing meaningful education. Since its establishment in 1991, The Choice School has expanded its reach to three world-renowned institutions and eight nurturing kindergartens in Kochi, Calicut, and Thiruvalla. Offering cutting-edge learning facilities, exceptional academic and non-academic infrastructure, and innovative teaching methods, the school empowers students to realize their full potential. Guided by a commitment to value-based education centered on Knowledge, Character, and Health, The Choice School stands as one of the best schools in Kochi, dedicated to molding truly global citizens capable of thriving in the challenges of the 21st century.  5. Sacred Heart CMI Public School  Sacred Heart CMI Public School in Kochi, born from the aspirations of local and NRI parents to establish a CMI Institution in Ernakulam city, embarked on its educational journey in 2003 under the guidance of the Fathers of Carmelites of Mary Immaculate. With leadership that included Fr. George Koyikkara as the principal, Fr. John Pynadath as the manager, and Mrs. Thankamma Abraham as the Headmistress of the kindergarten section, the school began with LKG, UKG, STD 1, and STD 2 classes. Over the years, it achieved a significant milestone by obtaining CBSE affiliation in 2006, adopting the CBSE curriculum. Undergoing various upgrades, most recently in 2022, the school expanded its facilities and educational offerings to meet evolving student needs while standing as a beacon of inspiration on the serene shores of Konthuruthy River, fostering academic excellence and holistic development.  Criteria for Ranking Schools in Kochi  1. Academic Performance:  Exam results, pass rates, and academic achievements play a crucial role in evaluating a school's effectiveness in imparting education.  2. Infrastructure and Facilities:  The quality of classrooms, laboratories, libraries, sports facilities, and other infrastructure contributes to the overall learning environment.  3. Faculty Qualifications and Experience:  The qualifications and experience of teachers are important indicators of a school's commitment to quality education.  4. Student-Teacher Ratio:  A lower student-teacher ratio often indicates more personalized attention and better interaction between teachers and students.  5. Co-Curricular and Extra-Curricular Activities:  Schools that offer a diverse range of activities such as sports, arts, music, drama, and clubs contribute to the holistic development of students.  6. Innovation in Teaching Methods:  Schools that incorporate modern and innovative teaching methods, technology integration, and interactive learning tend to provide a more dynamic educational experience.  7. Parental Involvement:  A school's engagement with parents and the involvement of parents in school activities are considered positive indicators.  8. Safety and Security Measures:  Ensuring the safety and security of students within the school premises is a critical parameter.  9. Community Perception and Reputation:  The overall perception of the school within the community, as well as its reputation, can be important factors.  10. Alumni Success:  The achievements of a school's alumni in various fields can reflect the effectiveness of its educational programs.  11. Admission and Retention Rates:  High admission and retention rates often indicate that parents and students are satisfied with the school.  12. Curriculum and Educational Philosophy:  The relevance and effectiveness of the curriculum, as well as the school's educational philosophy, contribute to its ranking.  13. Infrastructure for Special Needs:  Schools that provide facilities and support for students with special needs are often considered more inclusive.  14. Global Perspective and Exposure:  Schools that offer international exposure, exchange programs, and a global perspective contribute to the development of well-rounded individuals.  15. Value-Based Education:  A focus on character development, values, and ethics is an important aspect of a school's contribution to a student's overall growth.  It's important to note that the priorities of parents and students may vary, so the "best" school depends on individual preferences, needs, and values. When assessing schools in Kochi, considering these parameters can help make an informed decision based on what aligns best with your educational goals and values.  Diverse Curriculums offered in Kochi schools:   In Kochi, schools offer a diverse range of curriculums to cater to the varied needs and preferences of students and parents. The prominent curriculums available include CBSE (Central Board of Secondary Education), ICSE (Indian Certificate of Secondary Education), and various international boards. Here's an outline of these curriculums:  I. Central Board of Secondary Education (CBSE):  Overview:  The national curriculum is followed by schools across India. Governed by the Central Board of Secondary Education.  Key Features:  Emphasis on a uniform syllabus across the country.  Focus on science and mathematics.  Common national examinations, like the All India Secondary School Examination (AISSE) for Class 10 and the All India Senior School Certificate Examination (AISSCE) for Class 12.  Advantages:  Widely recognized and accepted for higher education in India.  Provides a structured and comprehensive syllabus.  II. Indian Certificate of Secondary Education (ICSE):  Overview:  Offered by the Council for the Indian School Certificate Examinations (CISCE).  Curriculum designed to provide a balanced education.  Key Features:  Broader curriculum with a focus on languages, arts, and sciences.  Emphasis on internal assessments and projects.  ICSE Examination at the end of Class 10 and ISC (Indian School Certificate) Examination at the end of Class 12.  Advantages:  Comprehensive and holistic education.  Recognition for international university admissions. III. International Boards:  1. International Baccalaureate (IB):  Overview:  Global curriculum recognized worldwide.  Offered by the International Baccalaureate Organization (IBO).  Key Features:  Emphasis on critical thinking, creativity, and international-mindedness.  Programs include the Primary Years Programme (PYP), Middle Years Programme (MYP), and Diploma Programme (DP).  Assessment includes examinations, coursework, and extended essays.  Advantages:  Recognized by universities globally.  Fosters a global perspective and inquiry-based learning.  2. Cambridge International Examinations (CIE):  Overview:  Curriculum developed by the University of Cambridge. Offered in numerous countries, including India.  Key Features:  Programs include the Cambridge Primary, Cambridge Secondary 1, Cambridge Secondary 2 (IGCSE), and Cambridge Advanced (A Levels).  Emphasis on research, analytical skills, and application of knowledge.  Internationally recognized qualifications.  Advantages:  Flexible curriculum with a focus on depth of understanding.  Accepted by universities globally.  IV. State Board:  Overview:  Governed by the state education boards. Follows the curriculum set by the respective state.  Key Features:  Tailored to the cultural and regional context.  State-specific examinations at the end of each academic level.  Advantages:  Often more affordable than international boards.  Relevant to local context and state-level entrance exams.  It's essential for parents and students to consider the strengths, weaknesses, and alignment with individual learning preferences when choosing a curriculum. Additionally, understanding the future educational and career goals is crucial for making an informed decision about the most suitable curriculum in Kochi schools.  Admission Procedure and Fee Structures  General Admission Procedures:  1. Application Form:   Parents or guardians typically need to obtain and fill out the school's application form. This may be available online or at the school's administrative office.  2. Submission of Documents:   Required documents usually include the student's birth certificate, proof of residence, previous academic records or report cards, and any other documents requested by the school.  3. Entrance Tests/Interviews:   Many schools conduct entrance tests or interviews as part of the admission process. This is especially common for higher classes.  4. Parental Interaction:   Some schools may require an interaction with the parents to discuss the student's background and the school's expectations.  5. Admission Criteria:   Admission is often based on factors such as academic performance, performance in entrance tests, and availability of seats.  6. Notification of Admission:   Once the admission process is complete, parents are usually notified regarding the admission status of their child.  General Fee Structure:  1. Registration Fee:  Paid at the time of submitting the application form. This fee is non-refundable and is meant to secure a place for the student in the admission process.  2. Tuition Fee:  The primary component of the fee structure covers the cost of academic instruction.  3. Development Fee/Annual Fee:  Charged annually to cover expenses related to infrastructure development and maintenance.  4. Transportation Fee:  If the school provides transportation services, a separate fee is often charged for it.  5. Extracurricular Activities Fee:  Some schools may have an additional fee for extracurricular activities, sports, and other non-academic programs.  6. Uniform and Book Charges:  Fees associated with school uniforms, textbooks, and other learning materials.  7. Caution Deposit (Refundable):  A one-time deposit that is refundable at the end of the student's tenure, provided there are no outstanding dues.  8. Other Miscellaneous Charges:  Additional charges for events, field trips, and other special activities.  It's important for parents to carefully review the fee structure and inquire about any hidden or additional charges. Additionally, schools may offer various payment plans or financial aid options, so it's advisable to discuss these aspects with the school administration during the admission process. To obtain the most accurate and current information, direct communication with the respective schools is recommended.  Understanding the admission timeline  The admission timeline for schools in Kochi, as in many other places, generally follows a structured process. However, it's important to note that specific timelines can vary between schools, and changes may occur.  1. Release of Admission Notification:  Schools in Kochi usually release admission notifications for the upcoming academic year between November and January. This may vary, and some schools may announce admissions earlier or later.  2. Availability of Application Forms:  Application forms for admission are typically made available shortly after the release of the admission notification. Parents can obtain these forms from the school's administrative office or may be able to download them from the school's official website.  3. Submission of Application Forms:  The submission period for completed application forms generally spans from January to February. Some schools may extend this period, but it's advisable for parents to submit applications within the specified timeframe.  4. Entrance Tests and Interviews:  Many schools conduct entrance tests and interviews as part of the admission process. These assessments often take place in February or March.  5. Declaration of Results:  Schools typically announce the results of the admission process by March or April. This includes the list of selected candidates and may provide information on waitlisted candidates.  6. Confirmation of Admission:  Once the results are declared, parents of selected candidates are usually required to confirm admission by a specified date. This involves the payment of the admission fee and submission of necessary documents.  7. Payment of Fees:  The payment of tuition fees, development fees, and other associated charges is typically due in April or May. Schools may provide different payment plans, and parents should inquire about these options.  8. Orientation Programs:  Some schools conduct orientation programs for newly admitted students and their parents. These sessions often occur in May or June, providing an overview of the school's policies, facilities, and expectations.  9. Commencement of Academic Year:  The academic year in most schools begins in June. This is when regular classes start for the new academic session.  It's crucial for parents to stay informed about the specific admission timelines of the schools they are interested in. Schools may communicate these details through their official websites, local newspapers, and notice boards. Additionally, contacting the school directly can provide the most accurate and up-to-date information regarding the admission process and timelines.  Emphasis on Holistic Development  Schools in Kochi, like many educational institutions around the world, recognize the importance of holistic development for students. Holistic development involves nurturing various aspects of a student's personality, including academic, physical, social, emotional, and moral dimensions. Here are ways in which schools in Kochi typically emphasize holistic development:  1. Academic Excellence:  Strong emphasis on a well-rounded academic curriculum to develop cognitive skills and critical thinking.  Integration of innovative teaching methods and technology to enhance the learning experience.  2. Extracurricular Activities:  Provision of a diverse range of extracurricular activities such as sports, arts, music, dance, drama, and more.  Participation in these activities helps develop creativity, teamwork, leadership skills, and a sense of discipline.  3. Sports and Physical Education:  Well-equipped sports facilities and a focus on physical education to promote fitness and overall well-being.  Participation in inter-school and district-level sports competitions to instill sportsmanship and team spirit.  4. Cultural and Art Events:  Organization of cultural events, art exhibitions, and competitions to foster creativity and artistic expression among students.  Exposure to traditional and contemporary forms of art and culture.  5. Leadership and Life Skills Programs:  Conducting workshops and programs that focus on leadership skills, communication, time management, and problem-solving.  Student council and leadership opportunities within the school to encourage responsibility and decision-making.  6. Community Service and Social Awareness:  Integration of community service programs to instill a sense of social responsibility.  Involvement in projects addressing social issues and raising awareness about environmental and humanitarian causes.  7. Character Education and Values:  Incorporation of character education programs to instill values such as integrity, empathy, and respect.  Emphasis on moral and ethical considerations in decision-making.  8. Technology Integration:  Integration of technology in education to prepare students for the digital age.  Incorporation of coding, robotics, and other STEM (Science, Technology, Engineering, and Mathematics) activities.  9. Outdoor Education and Field Trips:  Organizing educational field trips, nature camps, and outdoor activities to enhance experiential learning.  Exposure to real-world scenarios to complement classroom learning.  10. Psychological and Emotional Support:  Provision of counseling services to address the emotional and psychological well-being of students.  Creating a supportive environment to help students cope with stress and challenges.  11. Inclusive Education:  Implementation of inclusive education practices to cater to the diverse needs of students.  Support systems for students with special needs to ensure their full participation in school life.  12. Career Guidance and Counselling:  Offering career guidance and counseling services to help students make informed decisions about their academic and professional paths.  Exposure to various career options through seminars, workshops, and interactions with professionals.  By integrating these elements into their educational programs, schools in Kochi aim to foster the holistic development of students, preparing them not only academically but also equipping them with the skills, values, and attitudes necessary for success in various aspects of life. Scholarship for Meritorious Students  1. Government Scholarships:  National Talent Search Examination (NTSE): Conducted by NCERT, NTSE is a national-level scholarship program for students studying in Class 10. It provides financial assistance throughout their academic pursuits.  Central Sector Scheme of Scholarship for College and University Students: Offered by the Ministry of Education, this scheme provides financial assistance to meritorious students from low-income families pursuing higher education.  2. State Government Scholarships:  State Merit Scholarships: Many state governments offer merit-based scholarships to outstanding students at the secondary and higher secondary levels. The eligibility criteria and application process vary by state.  3. Private Scholarships:  Loyola Scholarship Program: Loyola College of Social Sciences in Thiruvananthapuram, Kerala, provides scholarships to meritorious students based on their academic performance.  MES Scholarships: The Muslim Educational Society (MES) offers scholarships to deserving students across its affiliated institutions, including those in Kochi.  4. Community/Trust Scholarships:  Gandhi Memorial Trust Scholarships: This trust provides scholarships to economically backward but academically brilliant students.  Muthoot M. George Foundation Scholarships: The foundation offers scholarships to students based on their academic achievements and financial need.  5. School-specific Scholarships:  Many schools in Kochi may have their scholarship programs for meritorious students. These scholarships can be based on academic excellence, leadership skills, or participation in extracurricular activities.  6. Corporate Scholarships:  Some corporate entities offer scholarships to students, especially those pursuing professional courses or higher education in specific fields. These scholarships are often tied to the company's business interests.  7. Professional and Technical Scholarships:  Kerala State Council for Science, Technology & Environment (KSCSTE) Scholarships: Available for students pursuing courses in Basic/ Natural Sciences at the graduate and postgraduate levels.  8. International Scholarships:  Some international organizations and foundations provide scholarships for Indian students based on their academic achievements. These may include programs funded by governments, universities, or private organizations.  It's important for students to regularly check with their schools, educational institutions, and relevant scholarship providers for the latest information on available scholarships. Additionally, students can explore scholarship databases, online platforms, and government scholarship portals for updated and comprehensive information. Application processes, eligibility criteria, and deadlines can vary, so staying informed is key to taking advantage of scholarship opportunities.  Financial Support for Economically Disadvantaged  For economically disadvantaged families in Kochi, various financial aid options and support programs exist to ensure that their children can access quality education. These options include government initiatives, nonprofit organizations, and assistance provided by educational institutions. Here are some avenues for financial support:  1. Government Scholarships:  Pre-Matric and Post-Matric Scholarships: Offered by the central and state governments, these scholarships are targeted at students from economically weaker sections (EWS) and cover various levels of education from primary to postgraduate.  National Means Cum Merit Scholarship (NMMSS): Aimed at reducing the dropout rate at the secondary level, this scholarship is available to economically disadvantaged students who have excelled academically.  2. State Government Programs:  Kerala State Scholarships: The Kerala government provides various scholarships for students belonging to minority communities, backward classes, and economically disadvantaged sections.  3. School-specific Financial Aid:  Many schools in Kochi have provisions for fee waivers, discounted fees, or scholarships specifically for economically disadvantaged students. Families can inquire with the school administration about these options.  4. Nonprofit Organizations and Charities:  Educational NGOs: NGOs such as the Kerala State Education Development Corporation (KSEDC) and other local organizations often provide financial aid and scholarships to students from economically weaker backgrounds.  Local Charities and Trusts: Some local charitable trusts may offer financial assistance for education. Families can check with community organizations and trusts in their area.  5. Educational Trusts:  Community and Religious Trusts: Certain community and religious trusts may have funds allocated for educational purposes, including financial aid for students from economically disadvantaged families.  6. Corporate Social Responsibility (CSR) Initiatives:  Corporate Scholarships and Aid: Some companies, especially those with a presence in Kochi, allocate funds for CSR activities, including supporting education. This may involve scholarships, infrastructure development in schools, or other initiatives.  7. Specialized Educational Programs:  Kudumbashree: In Kerala, Kudumbashree is a poverty eradication and women empowerment program that may have initiatives supporting education for economically disadvantaged families.  8. Free or Subsidized Textbooks and Uniform Programs:  Some government and nonprofit initiatives provide free or subsidized textbooks and uniforms to economically disadvantaged students, easing the financial burden on families.  9. Financial Literacy Programs:  Certain organizations may offer financial literacy programs to help families manage their finances better and navigate available financial aid options.  10. Community Support Networks:  Local community centers, social workers, and community leaders may have information about available financial aid and support programs for education.  Families seeking financial support should actively inquire about these options, visit government education department websites, and reach out to local educational institutions and community organizations. It's important to note that eligibility criteria and application processes may vary for different programs, so families should carefully review the requirements and deadlines when applying for financial aid. 

In the heart of the Pink City, Jaipur, education is not just about learning; it's an experience. While the city boasts a rich cultural heritage and history, it also houses some of the most opulent and exclusive schools in India. In this article, we'll embark on a journey to discover the crème de la crème of Jaipur's educational institutions and unveil the range of fees that make them exclusive.  Most Expensive Schools in Jaipur with Fees  Mayo College, Ajmer - Known for its illustrious history and sprawling campus, Mayo College, although in Ajmer, is often attended by Jaipur's elite. Fees range from ₹6 lakhs to ₹8 lakhs per annum.  Maharani Gayatri Devi Girls' School - A girls-only institution with a royal legacy, this school charges fees between ₹2.5 lakhs to ₹4 lakhs annually.  Step by Step School - This internationally acclaimed school offers quality education with fees ranging from ₹3.5 lakhs to ₹5 lakhs per year.  Jayshree Periwal High School - A hub of modern education in Jaipur, this institution charges between ₹2.5 lakhs to ₹4.5 lakhs annually.  Neerja Modi School - Known for its excellent facilities and curriculum, Neerja Modi School charges fees ranging from ₹2.5 lakhs to ₹4 lakhs per annum.  Seedling Public School - With a focus on holistic development, this school's fees range from ₹1.5 lakhs to ₹2.5 lakhs annually.  Vidya Shree School - This premier institution charges fees between ₹1.2 lakhs to ₹2.2 lakhs per year.  Bhartiya Vidya Bhavan Vidyashram - A respected name in education, the school's fees range from ₹1.5 lakhs to ₹2.5 lakhs annually.  The Palace School - Located in the historic city, this school's fees range from ₹1.2 lakhs to ₹2 lakhs per annum.  Cambridge Court High School - Offering a blend of traditional and contemporary education, fees at this school range from ₹1 lakh to ₹2 lakhs per year.  Apply for education loans Key Features of CBSE Schools in Jaipur  These are some of the key features that parents often consider when choosing CBSE schools in Jaipur for their children's education.  Quality Education: CBSE schools in Jaipur generally offer a high standard of education following the Central Board of Secondary Education (CBSE) curriculum, which is known for its comprehensive and structured approach to learning. The CBSE schools also help prepare students for competitive exams like JEE IITs, NEET, and other national exams. The curriculum taught in these schools is tested in these exams!  Well-Equipped Infrastructure: Many CBSE schools in Jaipur have modern infrastructure with well-equipped classrooms, libraries, science and computer labs, and sports facilities to provide students with a conducive learning environment.  Qualified and Experienced Faculty: These schools often employ well-qualified and experienced teachers who are trained to deliver quality education and guide students effectively.  Extracurricular Activities: CBSE schools in Jaipur emphasize a holistic approach to education, offering a wide range of extracurricular activities including sports, arts, and cultural programs to foster the overall development of students.  Standardized Assessments: CBSE schools follow a standardized examination and assessment system, ensuring that students are prepared for national-level competitive exams, making it easier for them to transition to higher education or move to different parts of the country if needed.  Schools in Kochi for Child Education Read More ICSE Schools: A Different Approach  ICSE (Indian Certificate of Secondary Education) schools in Jaipur offer a different educational approach compared to CBSE schools. Here are five pointers highlighting some of the aspects that make ICSE schools unique and why they are preferred by some:  Holistic Curriculum: ICSE schools in Jaipur often provide a more comprehensive and holistic curriculum that includes a broader range of subjects, focusing not only on academics but also on developing critical thinking and communication skills.  Emphasis on English Language: ICSE schools place a strong emphasis on English language proficiency, which can benefit students in terms of better communication and understanding of the language.  In-Depth Knowledge: The ICSE curriculum is known for its in-depth subject matter, encouraging students to delve deeper into topics, which can be advantageous for those who want a thorough understanding of subjects.  Interactive Teaching Methods: ICSE schools typically use more interactive and creative teaching methods, which can make learning enjoyable and help students develop a deeper understanding of concepts.  Recognition for International Education: The ICSE board is recognized internationally, which can be an advantage if students plan to pursue higher education abroad. It aligns well with international education standards.  International Schools: A Global Education Experience  Studying at international schools in Jaipur can offer several benefits over traditional CBSE or ICSE schools, including:  Global Perspective: International schools often provide a more global and diverse learning environment, helping students understand different cultures and viewpoints.  International Curriculum: These schools follow international curricula like IB or Cambridge, which can be more comprehensive and prepare students for universities worldwide.  Language Proficiency: International schools emphasize English proficiency, which can be beneficial for students looking to study or work abroad. They also offer popular world languages as secondary languages such as Spanish, French, and German!   Critical Thinking: The international curriculum often focuses on critical thinking, problem-solving, and independent learning, fostering a well-rounded skill set.  Holistic Development: International schools place a strong emphasis on extracurricular activities, arts, and sports, contributing to students' overall development.  International schools prepare you for studying at foreign universities. The teaching and assessment style is more in sync with the Western style of teaching. These schools can help students gain a broader perspective, excel academically, and prepare for a globalized world. However, it's essential to consider individual preferences and goals when choosing an educational institution.  Public vs. Private Schools: Pros and Cons  Let’s compare the pros and cons of studying at public schools vs private schools in India:  Public School and its Pros Here are 4 benefits of studying at public schools in India:  Affordability: Public schools are often more affordable, making education accessible to a wider range of students, especially from lower-income backgrounds. Education is free for students till the age of 14!   Infrastructure and Facilities: Some government schools have improved infrastructure and facilities due to government investments. There are computer labs, facilities like mid-day meals, and schools offer laptops to students as well so they can get a working knowledge!   Standardized Curriculum: They follow a standardized curriculum and are subject to government regulations, ensuring a consistent educational approach. Most government schools in India follow the CBSE curriculum which can help students crack national exams like NEET, IIT JEE, and other government-administered entrances!   Diversity: Public schools often have a more diverse student population, exposing students to different backgrounds and cultures.  Public Schools and its Cons  Quality Disparities: There can be significant variations in the quality of education and facilities among different public schools. Private schools offer better infrastructure, world opportunities, and facilities.   Limited Autonomy: Public schools may have limited autonomy in decision-making, which can impact innovation and flexibility.  Teacher Quality: Some public schools face challenges in recruiting and retaining qualified teachers.  Bureaucratic Processes: The administrative processes in government schools can be cumbersome and slow.  Private Schools and their Pros  Here are some benefits of studying at private schools in India:  Better Infrastructure: Private schools generally have better infrastructure and facilities, providing a conducive learning environment. Students have access to top-notch sports facilities, recreation activities, career counselors, and much more!  Quality Education: They often offer a higher quality of education with a focus on extracurricular activities and holistic development. Students can have a choice between different curriculums like IB, CBSE, ISCE, etc!  Autonomy: Private schools have more autonomy in decision-making, allowing for innovation and tailored teaching approaches.  Qualified Teachers: Private schools can attract and retain qualified and experienced teachers.  Private Schools and their Cons:  Cost: Private schools are more expensive, which can be a barrier for some families. It can cost you anywhere between 4-5 lakhs in tuition fees!  Social Exclusivity: Some private schools may lack diversity and cater primarily to more privileged students.  Pressure for Results: The emphasis on academic performance can create high-pressure environments.  Less Government Oversight: Private schools may have less government oversight, which can lead to variable standards.  Ultimately, the choice between public and private schools depends on individual circumstances, including budget, educational priorities, and location. It's important for parents to consider their child's specific needs and the available options before making a decision.  Finding the Right Preschool in Jaipur  Here is a list of the best preschools in Jaipur for your kids:   Purple Turtle Preschool  VSI International School  EuroKids Pre-school  Serra International Preschool  The Loharu Montessori Children's School   English Medium Schools in Jaipur  Here are some of the best English medium schools in Jaipur   Delhi Public School   Ryan International School   Mayo College   Cambridge Court High School   Benefits of English Medium Schools  English is a global language, and it can open doors for opportunities internationally and locally. In India, English is one of the most spoken languages. Here are some more benefits:  Global Opportunities: English is widely spoken internationally, and studying in an English medium school can open doors to global opportunities, making it easier for students to pursue higher education or careers abroad.  Access to Quality Resources: English medium schools often have access to a wide range of educational resources, including textbooks, reference materials, and online content, enhancing the quality of education.  Improved Communication Skills: Learning in English can lead to better communication skills, as it's a global lingua franca. This proficiency can be an asset in various personal and professional situations.  Wider Career Choices: English medium education can prepare students for diverse career options, as it is often required or preferred in many professions and industries in India and abroad.  Boarding Schools in Jaipur: A Home Away from Home  These are some of the most popular boarding schools in Jaipur! Boarding schools cost more than day schools because they offer accommodation facilities and are responsible for the daily care of your children. The fees for boarding schools in Jaipur range between INR 5,00,000 to 6,00,000 depending on the grade and curriculum.   SRN International School   Maharani Gayatri Devi Girls' School  Neerja Modi School   Jayshree Periwal High School   St Wilfred School   Conclusion Jaipur's most expensive schools offer an education that goes beyond textbooks, providing a holistic experience that prepares students for success in various fields. However, the privilege of sending your child to these institutions comes at a significant cost. To ensure your child's educational dreams become a reality, it's essential to plan and save effectively.  That's where EduFund comes into play. EduFund is a user-friendly app designed to help parents save and invest in their children's education. It offers tailored solutions to meet your financial goals, ensuring that you're well-prepared for the rising costs of elite education in Jaipur. Start planning and investing today to secure your child's future and provide them with the education they deserve. Don't wait; start your educational journey now! 

Understanding Recurring Deposits: A Smart Way to Save Most of us have heard of FDs and RDs growing up! But do you know how an RD or Recurring Deposit works? What is the procedure to start an RD, what are the benefits of investing in Recurring Deposits, and is it a good investment tool for the long run? Can it help you save for your child’s education or your dream home? Find out in this article what a Recurring Deposit is, is financial planning with RDs is effective, its interest rates, and much more!  Introduction to Recurring Deposits  A recurring deposit (RD) is a popular savings option in India that allows individuals to systematically deposit a fixed sum of money into their account at regular intervals, typically monthly. This financial instrument is offered by banks and financial institutions, catering to individuals who aim to cultivate a disciplined savings habit while earning a modest interest on their deposits.  The basic concept of a recurring deposit revolves around the idea of regular and predetermined contributions. Individuals commit to depositing a fixed amount, known as the installment, into their RD account every month for a predetermined period, often ranging from six months to ten years. The interest rates offered on recurring deposits are generally higher than regular savings accounts, making it an attractive option for risk-averse investors seeking stable returns.  The Mechanics of Recurring Deposits  Recurring deposits work on the principle of regular, fixed contributions over a specified period, allowing individuals to build savings systematically. Here's how they operate:  Opening an RD Account:  Individuals can open a recurring deposit account with a bank or financial institution of their choice. They need to provide the necessary identification documents and details.  Determining Installments:  The account holder decides the amount they want to deposit each month, known as the installment. This can be a fixed sum, and the depositor commits to making these contributions regularly.  Deposit Intervals:  Deposits are made at regular intervals, usually monthly, although some institutions may offer flexibility with quarterly or other periodic contributions. The fixed amount is deducted from the depositor's savings or current account and transferred to the RD account.  Tenure and Maturity:  Recurring deposits have a predetermined tenure, ranging from a few months to several years. The depositor selects the duration based on their financial goals. At the end of this tenure, the recurring deposit matures.  Interest Rates:  The interest rate for recurring deposits is set by the bank or financial institution at the time of opening the account. It's important to note that interest rates can vary among institutions. Typically, the rates are higher than those offered on regular savings accounts.  Interest Calculation:  Interest is compounded at regular intervals, usually quarterly, and is added to the principal amount. The compounding frequency contributes to the overall interest earned. The formula for interest calculation in a recurring deposit involves the principal, interest rate, and tenure.  M=P(1+nr )nt   Where:  M is the maturity amount.  P is the monthly installment.  r is the annual interest rate (expressed as a decimal).  n is the number of times interest is compounded per year.  t is the tenure in years.  Maturity Payout:  At maturity, the depositor receives the total amount, which includes the principal and the accumulated interest.  Recurring deposits provide a structured approach to savings, making them an attractive option for those looking to cultivate a disciplined savings habit with the added benefit of earning interest on their contributions.  Interest Rates and Compounding  The interest is compounded on a quarterly basis, meaning that at the end of each quarter, interest is added to the principal amount. This results in the next quarter's interest being calculated on the updated principal (original principal plus interest accrued). This compounding process continues throughout the tenure of the recurring deposit.  It's important to note that the interest rate is a crucial factor in determining the overall returns. Higher interest rates or more frequent compounding can lead to increased returns on the recurring deposit.  Upon maturity, the account holder receives the total amount, which includes the principal and the accumulated interest based on the compounded interest formula. This structured approach to interest calculation ensures that the depositor earns interest not only on the initial principal but also on the interest that has been added to the account over time.  Minimum and Maximum Investment Terms  In India, recurring deposits offer investors a range of investment terms, catering to various financial goals and preferences. Here's an outline of the typical range of investment terms for recurring deposits, spanning from short-term to long-term options:  1. Short-Term Recurring Deposits:  Tenure: 6 months to 1 year  Purpose: Short-term recurring deposits are suitable for individuals with immediate financial goals or those who prefer liquidity in the near future. They may be used for purposes such as funding a vacation, buying a consumer durable, or handling short-term financial commitments.  2. Medium-Term Recurring Deposits:  Tenure: 2 to 5 years  Purpose: Medium-term recurring deposits are often chosen by individuals with mid-range financial goals. This can include saving for a down payment on a home, financing a child's education, or planning for a major purchase in the medium term.  3. Long-Term Recurring Deposits:  Tenure: 5 years and above  Purpose: Long-term recurring deposits are suitable for individuals looking to achieve long-term financial objectives. Examples include building a retirement corpus, creating a substantial education fund for children, or accumulating savings for a distant financial milestone.  4. Customizable Tenure:  Tenure: Flexible  Purpose: Some financial institutions offer flexibility in choosing the tenure of recurring deposits, allowing investors to align the investment period with specific financial goals. This customization can be beneficial for those with unique or personalized requirements.  5. Special Purpose Recurring Deposits:  Tenure: Varied  Purpose: Some banks may introduce special recurring deposit schemes tied to specific purposes, such as tax-saving recurring deposits with a lock-in period to avail tax benefits under Section 80C of the Income Tax Act.  Investors can select the tenure that aligns with their financial objectives, risk tolerance, and liquidity needs. Short-term options provide quick access to funds, while long-term options facilitate the accumulation of significant savings over time. It's essential for investors to consider their financial goals and time horizons when choosing the tenure of their recurring deposit to maximize returns and meet their specific needs.  Benefits of Choosing Recurring Deposits  Opting for a recurring deposit (RD) in India offers several advantages compared to other savings schemes. Here are some key benefits that make RDs an attractive choice:  1. Disciplined Savings:  RDs encourage a disciplined savings habit as individuals commit to making regular monthly contributions. This helps inculcate a sense of financial discipline, making it easier for people to set aside a fixed amount for savings.  2. Accessible for Small Investors:  RDs are accessible to individuals with modest income levels as they allow for smaller monthly contributions. This makes it an inclusive savings option for those who may not have a lump sum to invest initially.  3. Fixed Returns:  Unlike some other investment options, RDs provide fixed returns. The interest rate is predetermined at the time of opening the account, offering stability and predictability in returns over the investment period.  4. Low Risk:  Recurring deposits are considered low-risk investments as the principal amount is secure, and the returns are not subject to market fluctuations. This makes RDs suitable for risk-averse investors who prioritize capital protection.  5. Flexible Tenure Options:  RDs offer flexibility in choosing tenure based on individual financial goals. Whether someone is saving for a short-term goal or a long-term objective, RDs provide varying tenures to align with specific needs.  6. No Market Dependency:  Unlike mutual funds or stocks, the performance of an RD is not dependent on market conditions. This makes RDs a stable option for those who want to avoid the volatility associated with market-linked investments.  7. Loan Facility:  Some banks provide the option to take a loan against the recurring deposit. This can be beneficial in times of financial need, offering a source of liquidity without breaking the RD prematurely.  8. Tax Benefits (in certain cases):  Tax-saving recurring deposit schemes are available, providing investors with the opportunity to save on income tax under Section 80C of the Income Tax Act. However, it's important to note that interest earned on RDs is taxable.  9 .Easy to Open and Manage:  Opening an RD account is a straightforward process, requiring minimal documentation. The management of the account is also user-friendly, making it suitable for a wide range of investors.  10. No Market Timing Concerns:  RDs eliminate the need for investors to time the market. Since the returns are pre-determined, there is no reliance on market movements, making it a hassle-free option for those who prefer a more straightforward approach to savings.  While recurring deposits offer these advantages, it's essential for investors to assess their individual financial goals, risk tolerance, and liquidity needs to determine the most suitable savings option for their specific circumstances.  11. Building a Savings Habit with RDs  Recurring deposits foster regular saving habits by requiring individuals to commit to fixed monthly contributions. This disciplined approach helps cultivate a consistent savings routine, instilling financial discipline and responsibility. By making saving a routine part of their financial behavior, individuals can steadily build wealth over time, achieving their financial goals through systematic and sustained contributions.   12. Flexibility and Convenience  Recurring deposits (RDs) in India exhibit a flexible nature, allowing investors to tailor their savings to specific needs. The flexibility lies in choosing the monthly installment amount and the tenure, accommodating diverse financial goals. RDs offer the convenience of regular, automatic deductions, simplifying the saving process. This adaptability makes recurring deposits an accessible and user-friendly option, aligning with individual preferences and financial objectives.  Comparing Recurring Deposits and Fixed Deposits  Compare and contrast recurring deposits with fixed deposits.  Recurring deposits (RDs) and fixed deposits (FDs) are popular savings options in India, each with its own set of characteristics. Here are some major similarities. Both RDs and FDs are risk-averse investments and are flexible enough to help Indians grow their investments.   Interest Rates:  Both RDs and FDs offer interest rates determined by the respective banks or financial institutions. Rates may vary based on tenure and market conditions.  Safety:  Both RDs and FDs are considered safe investment options as they are backed by the guarantee of the issuing bank or financial institution.  Tax Implications:  Interest earned on both RDs and FDs is taxable. However, tax-saving FDs have specific benefits under Section 80C.  Understanding the Differences between RDs and FDs  Let’s look at the main difference between the two popular ways of investing in India:   1. Regular Contributions:  RDs: Require regular monthly contributions.  FDs: Involve a one-time lump-sum deposit.  2. Flexible Installments:  RDs: Allow flexibility in choosing the monthly installment amount.  FDs: Have a fixed deposit amount at the time of investment.  3. Tenure Flexibility:  RDs: Offer flexibility in choosing the tenure, typically ranging from 6 months to 10 years.  FDs: Have fixed tenures, ranging from a few months to several years.  4. Interest Calculation:  RDs: Interest is compounded quarterly, based on the monthly contributions.  FDs: Interest may be compounded quarterly, half-yearly, annually, or at maturity, depending on the investor's choice.  5. Liquidity:  RDs: Offer partial liquidity, allowing individuals to withdraw a portion of the accumulated amount without closing the entire deposit.  FDs: Generally, breaking an FD before maturity incurs a penalty, impacting liquidity.  6. Risk and Returns:  RDs: Lower risk, suitable for risk-averse investors. Returns are predetermined and typically lower compared to FDs.  FDs: Moderate risk, with fixed returns known at the time of investment. Returns are generally higher than RDs.  7. Suitability:  RDs: Ideal for individuals with a regular income looking for a systematic savings approach.  FDs: Suited for those with a lump sum seeking stable, fixed returns over a specific period.  8. Choosing the Right Option for You  Both FDs and RDs are great investment options for investors. They are safe, low-risk, low-return investments that remain consistent during market ups and downs. If you have a substantial lumpsum amount for investment, then FD is a good choice but if you have   The Process of Opening a Recurring Deposit Account  Opening a recurring deposit (RD) account in India is a straightforward process. Here's a step-by-step guide to help you navigate the procedure:  Choose the Bank or Financial Institution:  Research and select a bank or financial institution that offers recurring deposit accounts. Consider factors such as interest rates, reputation, and customer service.  Visit the Bank Branch or Website:  If you prefer in-person interaction, visit the nearest branch of the chosen bank. Alternatively, many banks allow you to open an RD online through their official website.  Request Information:  Inquire about the recurring deposit schemes available, including interest rates, tenure options, and any special features. Collect the necessary application form and details about the required documents.  Fill out the Application Form:  Complete the recurring deposit application form with accurate personal information. This form is usually available at the bank branch or can be downloaded from the bank's official website.  Provide KYC Documents:  Submit Know Your Customer (KYC) documents, which typically include proof of identity, proof of address, and passport-sized photographs. Common documents include Aadhar card, PAN card, passport, and utility bills.  Specify Deposit Amount and Tenure:  Indicate the monthly deposit amount you wish to contribute and choose the tenure of the recurring deposit. Some banks may offer flexibility in these aspects.  Nomination Details:  Specify nomination details, if applicable. This involves providing the name, address, and relationship of the nominee who would receive the proceeds in case of the account holder's demise.  Review the Terms and Conditions:  Carefully read and understand the terms and conditions associated with the recurring deposit scheme. Clarify any doubts with the bank staff before proceeding.  Submit the Application:  Submit the completed application form along with the KYC documents and the initial deposit amount (if required) to the bank officials. If you are applying online, follow the instructions provided on the bank's website for document submission.  Receive the RD Account Details:  Once the application is processed and approved, you will receive the recurring deposit account details, including the account number, tenure, and interest rate.  Set Up Auto-Debit (if applicable):  If you opt for automatic monthly deductions from your savings or current account, set up the necessary standing instructions with your bank.  Monitor Your RD Account:  Keep track of your recurring deposit account through statements provided by the bank or online banking services. Ensure that monthly contributions are made on time.  By following these steps, you can successfully open a recurring deposit account and begin your journey toward systematic savings and interest accumulation  Documentation and Eligibility  Here are the documents needed for Recurring Deposit account opening:  Proof of Address:   Aadhar card  Passport  Voter ID  Utility bills (electricity, water, gas, or telephone bills)  Rent agreement  Passport-sized Photographs:  Typically, 2 to 4 recent passport-sized photographs may be required.  PAN Card:  Permanent Account Number (PAN) card is usually mandatory for recurring deposits exceeding a certain amount.  Filled Application Form:  The bank-specific application form for opening an RD account, which can be obtained from the bank's branch or website.  Income Proof:  Some banks may require proof of income, especially for higher deposit amounts.  Eligibility Criteria:  Age:  Generally, individuals of all age groups, including minors, can open an RD account. However, minors may require a guardian to operate the account on their behalf.  Residential Status:  Resident Indians, Non-Resident Indians (NRIs), and Hindu Undivided Families (HUFs) are usually eligible to open recurring deposit accounts. However, the specific eligibility may vary based on the bank's policies.  Source of Income:  Banks may require information about the source of income, especially for larger deposit amounts. However, RDs are generally open to salaried individuals, self-employed individuals, and others.  Nomination Details:  While not mandatory, providing nomination details is advisable. Nomination details include the name, address, and relationship of the nominee who will receive the RD proceeds in case of the account holder's demise.  It's essential to check with the specific bank or financial institution for any additional requirements or variations in eligibility criteria. Additionally, the minimum deposit amount and tenure options may differ between banks, so it's advisable to inquire about these details beforehand.  Risks and Considerations  While recurring deposits offer a secure and stable savings option, potential risks include lower returns compared to market-linked investments and the impact of taxation on earned interest. Additionally, breaking the RD prematurely may incur penalties, affecting liquidity. It's essential for investors to weigh these factors against their financial goals and consider alternative investment options for potentially higher returns.  Premature Withdrawal Penalties  Withdrawing a recurring deposit before maturity often incurs penalties. The exact penalty varies among banks but typically involves a reduction in the interest rate offered. Additionally, some banks may charge a fixed fee for premature withdrawal. Investors should carefully review the terms and conditions provided by the bank at the time of opening the recurring deposit to understand the specific penalties applicable.  Impact of Interest Rate Fluctuations  Changes in interest rates can impact recurring deposits. If interest rates rise, existing RD accounts may earn lower returns compared to the new, higher rates. Conversely, falling interest rates could benefit existing RD holders, as their fixed rates remain unchanged. Choosing the right tenure and staying informed about market trends can help optimize returns in varying interest rate environments.  Tax Implications on Recurring Deposits  The interest earned on recurring deposits in India is taxable as per the income tax regulations. The interest is added to the depositor's total income and taxed at their applicable income tax slab rate. Unlike fixed deposits, there is no TDS (Tax Deducted at Source) on recurring deposits; however, the onus of reporting and paying the tax rests with the depositor. It's important for individuals to include the interest income from recurring deposits when filing their income tax returns and adhere to the tax obligations as per the prevailing tax laws.  TDS and its Applicability  As of January 2022, there were no TDS (Tax Deducted at Source) provisions for interest earned on recurring deposits in India. However, tax laws are subject to change, and it's crucial to verify the latest regulations.  As a general rule, TDS is not applicable to the interest earned from recurring deposits. Instead, the responsibility falls on the depositor to report the interest income and pay taxes accordingly during the income tax filing process. It's advisable to stay updated on any amendments to tax laws and consult with a tax professional for the most accurate and current information regarding TDS on recurring deposits. 

As the festivities are about to begin, Indian equity markets decided to offer a gift in the form of a big sale. Indices and individual stocks are showing steep correction in this month. For the first time since 28th June 2023, Nifty 50 fell below the 19,000 mark. Note – Daily chart of Nifty 50 closing prices Data Source – niftyindices.com But what is driving this fall? How should investors invest in current times? Let’s find answers to these questions. What are the factors behind this correction? Israel – Hamas War: Israel’s retaliation to one of the deadliest attacks from the Palestinian militant group, Hamas, has raised global concerns. Fear grips as news about the possibility of Israel’s invasion of Gaza may trigger a full-blown war involving various countries. Worrying Signs of the US Economy: Although the FOMC (Federal Open Market Committee) has raised its growth projections for the year 2023 to 2.1% from the earlier estimate of 1%, it has also indicated higher levels of interest rates for a prolonged period. US Bond Yields: The US Government’s 10 Year T-Bond yields touched the level of 5% for the first time in 16 years since July 2007. FIIs Selling: Increasing yields in the US bond market have resulted in FIIs taking the money out of Indian markets. FIIs have sold for more than 20,000 crores in cash market on a net basis each month consecutively for three months. Appreciating Dollar: Increasing bond yields in US bond markets, FIIs selling, and increasing concerns in the geopolitical situation have led the dollar index to remain strong against all currencies with no exception to the Rupee. The Indian Rupee has witnessed a record low of 83.29 in the last month and is currently hovering around 83.25 near its all-time low. Other factors: Other factors, such as a slowdown in the global economy with economies such as China, the UK, etc., showing a decrease in productivity, an increase in India’s current account deficit, and increasing crude oil prices, etc. are also contributing to the negative sentiment in the markets. How can this war affect the Indian economy? India’s trade with Israel has grown significantly over the last few years. The data shows that India’s exports and imports have increased 17 times and 4 times, respectively, from 1999-2000 to 2022-23. Exports and Imports in $ billions: Source – mint, CMIE Israel is one of the leading producers of crude oil, which is affected due to this war. OPEC (Organization of the Petroleum Exporting Countries) has already decided to cut production, adversely affecting the supply of crude oil, and resulting in an increase in prices, which forms a significant component of Indian imports. Additionally, if this war escalates and other nations jump into it, global economic activities may see an adverse effect. This will result in further strengthening of the USD until the concerns of geopolitical instability cool down. However, this war may not impact the Indian economy as much as it would affect the global economy. India’s story of highest GDP growth India is considered a promising emerging market story, which grew at an average annual pace of 6.6% in the decade to 2019-20. In 2022-23, with a growth rate of 7.2%, India has outperformed most other major economies. The International Monetary Fund (IMF) predicts that the Indian economy will grow by over 6% in the next few years and is on track to be the world's third-largest economy. Additionally, The Morgan Stanley Report on India 2023 has predicted an economic boom for India, which will make it the third-largest country in the world by the year 2027. Also, Rajeev Kumar, Vice-President of Niti Ayog, said, “India will not be affected by the recession, and India will grow its economy by 6% to 7% by 2023-2024.” What should you do as an investor at this time? Equities, as an asset class, have an inherent volatility that can, at times, reach extreme levels, putting even the most seasoned investors to the test. We find ourselves in the midst of such a turbulent phase, and the duration of this storm remains uncertain. During turbulent times, selling your investments prematurely can result in losses. Before stopping further investing and selling existing investments, we must not forget that the Indian markets have shown a remarkable rally in this year of more than 20% in less than 6 months from the lows of 16,828.35 on 20th March 2023 to the highs of 20,222.45 on 15th September 2023. However, due to external factors such as geopolitical conditions and global economic concerns coupled with negative sentiment, it might be possible that the markets may go down further. But this event provides an opportunity to invest for long term as the Indian economy is fundamentally strong and is expected to remain so. Hence, we call the current volatile moment the moment of the Great Indian Equity Festival. Rather than panicking, we should ignore the noise and focus on our long-term objectives. We believe - • If you stay the course and remain mindful of market trends over time, you're likely to benefit from a market rebound, leading to significant gains. • If you adopt a systematic investment strategy, it will help manage market ups and downs. So, stick to your regular investment plans (SIPs) and smartly use systematic transfers (STP) for lumpsum investments. During these tough times, it's vital to shield yourself from rumors and speculations. Keep your eyes on your financial goals as a guiding star in the unpredictable financial world. Remember, the timeless virtues of patience and discipline, passed down through generations, are your best allies during difficult times. They are likewise mentors reminding you that staying committed and maintaining self-control are the keys to long-term financial success.

The phrase "metaverse" refers to a new virtual space arising as technology improves. It's an idea that traces its origins to 1992 when Neal Stephenson published his dystopian novel "Snow Crash," which featured characters who used 3D headgear to visit another reality. On the face, this appears to be nothing new, yet the Metaverse is expected to be a completely new approach for us to engage with the internet, known as Web 3.0.   The Metaverse is a mix of virtual reality (VR), augmented reality (AR), and three-dimensional digital worlds. The underlying concept is to give the internet a perception of presence - imagine 3D avatars and synced virtual places that everybody can share. With augmented reality glasses, you could, for example, visit a friend's virtual residence in the Metaverse or watch digital concerts and conferences.   Several large IT corporations have jumped on the metaverse bandwagon, though their perspectives vary. Facebook and other social media corporations are among the most vocal advocates today, believing that the innovation will alter how many of us socialize by the end of this century. To symbolize its devotion to the Metaverse, Facebook changed its name to Meta. The Metaverse's ambitions aren't limited to escapism and creating communal encounters. Microsoft believes that the Metaverse can make remote work more personal through Microsoft Teams. Meanwhile, video game producers like Epic Games seek to create distinct worlds that go beyond what is conceivable in the actual world. Finally, proponents of decentralized technologies assert that they can permit digital ownership and complete virtual economies.   The Metaverse offers a once-in-a-lifetime opportunity to invest. As per Bloomberg, the Metaverse's worldwide economic potential might reach $800 billion by 2024. According to Matthew Ball, CEO of Epyllion, a venture financing firm, the Metaverse is an opportunity with a lot of zeros behind it. Even if your expectations are lower, precedent from the digital economy, the internet, and mobile internet says this is a $10 [trillion] to $30 trillion opportunity that will materialize in a decade or decade and a half.   There is no such thing as a one-size-fits-all approach to investing in the Metaverse. Albeit, there are three methods for investors to get a piece of the $30 trillion pie. Additional read: How to invest in Snapchat from India 1. Going the head-on way  Using Metaverse crypto or Metaverse cryptocurrencies, one can invest in both cryptocurrencies and the Metaverse at the same time. Decentraland (MANA), Sandbox (SAND), and Enjin are some Metaverse tokens (Enj). To invest in Metaverse in India, go to any significant crypto exchange and acquire the tokens directly. To make cash, one can exchange such assets throughout the Metaverse, earn things and services, and then redeem them in the real world. On the other hand, directly purchasing NFTs and other assets entails significant risks and volatility. Purchasing virtual land or real estate in the Metaverse is another way to invest directly in the Metaverse.   2. Investing through individual stocks with metaverse exposure   Equities of publicly traded companies participating in the Metaverse domain can likewise be used to invest in the Metaverse indirectly. The majority of the prominent companies in this field are currently listed in the United States. These could be businesses that engage in Metaverse-related activities or supply products, services, technology, or technological skills. While some companies, such as Meta, are working on high-end VR headsets, others, such as Nvidia, are working on the computational power that will power the Metaverse. Cloud service companies such as Amazon and Microsoft will play a part in the Metaverse because it will be housed in the cloud.   On the other hand, individual stock purchases will necessitate greater initial and ongoing analysis.   3. Investing inconvenience  As Metaverse is still in its infancy, it's challenging to grasp the Metaverse's and enterprises' business models. As a beginner, you can invest in the Metaverse through ETFs such as the Roundhill Ball Metaverse ETF, which gives you exposure to companies that develop Metaverse infrastructure (like Nvidia), gaming engines that create virtual worlds (like Roblox), and leaders in content, commerce, and social media for the Metaverse (like Tencent). Nvidia Corporation, Microsoft Corporation, Meta Platforms Inc., Roblox Corporation, Tencent Holdings Limited, and Unity Software Inc. are among the fund's top holdings. The Roundhill Ball Metaverse ETF had 45 holdings and seven nations in its portfolio. The median market capitalization of these 45 holdings is $68 billion.  Put another way, the typical company held by this ETF will be successful and well-established. While these equities will have metaverse connections, there's a fair probability they'll also have very profitable core operations that will support metaverse research and development. If you opt to invest in ETFs, you may rest easy.   It's crucial to realize that Metaverse investments aren't for everyone. Furthermore, having a significant concentration of assets in stocks of Metaverse-related companies can be dangerous. When investing in the Metaverse, one must consider risk tolerance and the value it will add to the portfolio! FAQs What is the Metaverse, and how can I invest in it? The Metaverse is a virtual shared space where people can interact, work, and play. To invest, consider buying Metaverse-related cryptocurrencies, investing in companies developing Metaverse technology, or acquiring virtual real estate within Metaverse platforms. Can I invest in Metaverse through NFTs (Non-Fungible Tokens)? Yes, NFTs are often used for buying and selling virtual assets in the Metaverse. You can invest in Metaverse-related NFTs, such as virtual land, digital art, or in-game items. Is investing in Metaverse safe? As with any investment, there are risks. Ensure you research and understand the projects and technologies you invest in. Diversify your investments and only invest what you can afford to lose.

Zoom Video Communications needs no introduction, especially now that the COVID-19 epidemic has arrived. People began working from their houses when the lockdown was imposed. Most of it happened over a Zoom video conference, whether a corporate meeting or your child's online education. This company's product effectively brought people from all over the world together. Eric Yuan founded Zoom Video Communications as a software start-up in 2011. Eric is the current CEO, and the company is based in California, United States. It is known for providing services like video calling and online chat services via cloud-based peer-to-peer software. As of 2021, the total number of employees is 4422. Salesforce took almost one and a half decades after going public to reach a market capitalization of $100 billion, but Zoom Video Communications took just 14 months. Zoom recently paid $14.7 billion for Five9, a NASDAQ-listed software company specializing in cloud contact centers. Zoom is one of the North American region's top 25 highest-value technology companies.   Additional read: How to invest in Netflix from India? Zoom is one of the few stocks that should be included in every investor's portfolio. Let's first look at some basic stuff before we proceed. Latest market close $109.18 52-week range 108.43 - 406.21 Dividend yield  NA Earnings per share  $4.49 Beta - Market Capitalization $ 24.902 billion Average Volume (3m) 4,317,874 PE ratio  24.24  There are three ways in which you can invest in Zoom from India.   1. The direct way   You can trade in Zoom from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Zoom's share price was the US $108.6 on March 03, 2022, which is over eight thousand rupees. However, the premium price of Zoom shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. With just $1, you can buy a part of a Google stock and own a piece of the corporation.   2. The ETF way   One way to invest in Zoom stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds in that they're invested in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs.   For example, you can invest in the ProShares Ultra QQQ (QLD) and ARK Innovation ETF (ARKK), which contains Zoom as one of its holdings.   Another option for investing in Zoom stocks from India is to purchase ETFs that invest in US markets. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   3. The Mutual fund way   In this case, you will be investing in funds of funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since the investment would be made in Indian rupees, there is no investment restriction. Zoom is included in several mutual funds, such as the Edelweiss' US Technology Fund of Fund but only to a minimal level. Furthermore, this strategy may prove to be more costly. An annual expense ratio will be required of you. The expense ratio of these funds is typically greater, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee. A note of caution here is to remember to evaluate your risk profile before purchasing any investment. Directly investing in equities like Zoom would be a greater risk strategy for your portfolio. Investing by convenience, i.e., via ETFs As Metaverse is still in its infancy, it's challenging to grasp the Metaverse's and enterprises' business models. As a beginner, you can invest in the Metaverse through ETFs such as the Roundhill Ball Metaverse ETF, which gives you exposure to companies that develop Metaverse infrastructure (like Nvidia), gaming engines that create virtual worlds (like Roblox), and leaders in content, commerce, and social media for the Metaverse (like Tencent). Nvidia Corporation, Microsoft Corporation, Meta Platforms Inc., Roblox Corporation, Tencent Holdings Limited, and Unity Software Inc. are among the fund's top holdings. The Roundhill Ball Metaverse ETF had 45 holdings and seven nations in its portfolio. The median market capitalization of these 45 holdings is $68 billion. Put another way, the typical company held by this ETF will be successful and well-established. While these equities will have metaverse connections, there's a fair probability they'll also have very profitable core operations that will support metaverse research and development. If you opt to invest in ETFs, you may rest easy.  It's crucial to realize that Metaverse investments aren't for everyone. Furthermore, having a significant concentration of assets in stocks of Metaverse-related companies can be dangerous. When investing in the Metaverse, one must consider risk tolerance and the value it will add to the portfolio!   FAQs How to invest in Zoom from India? Yes, you can invest in Zoom from India on the EduFund. Download the App, set up your US account for free without any commission or opening charges. You also get first year free on account maintenance. Once its set up, you can invest in all the top US stocks on your own! What are the different ways to invest in Zoom? There are several ways to start investing in Zoom. You can directly invest in the company by buying its stocks through an app, you can invest in the company indirectly by investing in mutual funds or ETFs that will buy the stock as a part of their portfolio. What is the share price for Zoom? The share price for Zoom is $59.98!

Planning to invest in Facebook (meta) from India! Look no further! Find out why and how in this blog! Facebook is a for-profit American firm established in Menlo Park, California, providing online social media and social networking services. Mark Zuckerberg and fellow Harvard College classmates and roommates Eduardo Saverin, Andrew McCollum, Dustin Moskovitz, and Chris Hughes created the Facebook website on February 4, 2004. The word Facebook stems from the Facebook directories frequently distributed to university students in the United States. Facebook raised $16 billion from the market when it became a publicly traded business in 2012. As a result, Facebook now has a market valuation more significant than some of the most prominent American corporations, like Amazon, Disney, and McDonald's. Facebook's stock price increased almost tenfold in less than ten years, providing early investors with over 1000 percent returns. You've arrived at the right site, whether you want to invest in Facebook shares or learn how to invest in Meta shares from India.   Meta is one of the world's most powerful tech companies. It owns and operates the most widely used and successful social media and messaging platforms worldwide, including Facebook, Instagram, and WhatsApp. Meta is one of the top US companies to invest in, with a market valuation of roughly $ 590.21 billion. Investing in US companies like Meta has a variety of advantages. It provides geographical diversity to your portfolio   The depreciation of the rupee vis-a-vis the dollar is also a prime reason.   The share has provided stable handsome returns in history. The share has returned around 60% in the last five years, which is more than anything on the plate!   Facebook is one of the few stocks that should be in every investor's portfolio. Let's first look at some basic stuff before we proceed.  Latest market close $200.06 52-week range 190.22 - 384.33 Dividend yield  NA Earnings per share  $13.79 Beta 1.4 Market Capitalization $ 544.55 billion Average Volume (3m) 32,148,676 PE ratio  14.51  There are three ways in which you can invest in Facebook from India   1. The direct way   You can trade in Facebook from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Facebook's share price was US $200.06 on March 03, 2022, which is over fifteen thousand rupees. However, the premium price of Facebook shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. Starting as small as $1, you can buy a part of a Google stock and own a piece of the corporation.   Additional read: How to invest in Google from India 2. The ETF way   One way to invest in Facebook stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds because they invest in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs. You can invest in the Russell 1000 Growth ETF or the Vanguard S&P 500 ETF, which contains Facebook as one of its top holdings.   Another option for investing in Facebook stocks from India is to purchase ETFs that invest in US indices such as the S&P 500. Facebook is a holding of the Motilal Oswal S&P 500 Index Fund. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   Additional read: How to invest in Coca-Cola from India 3. The Mutual fund way   In this case, you will be investing in Funds of Funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since investment is in Indian rupees, there is no investment restriction. Facebook is included in several mutual funds, such as the Nippon India US Equity Opportunities Fund, ICICI Prudential US Blue-chip Fund, DSP US Flexible Equity, etc. but only to a minimal level. Furthermore, this strategy may prove to be more costly. For instance, an annual expense ratio can be charged. The expense ratio of these funds is typically more significant, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee. Why invest in Meta shares from India?  Meta (formerly known as Facebook) is a historically beneficial share to know. It is one of the best companies and tech giants in the world. It owns massive social media platforms like Facebook, Instagram, and WhatsApp. They have a market value of $ 590.21 billion. Here are some benefits of investing in Meta shares from India   Diversification: It gives you a chance to invest in the US and the world’s top tech companies from India. It gives you international exposure and a chance to gain returns in a foreign currency.   US Market Exposure: By investing in Meta, you not only have exposure to the world economy but to the US economy. As a Meta shareholder, you can be a beneficiary of US market gains.   US Dollar: Gaining returns in dollars is the greatest reason to invest in Meta shares from India. You can take advantage of the rupee depreciation and make the most of your US returns. Thus, investing in Meta means gaining interest in dollars and making the most of the appreciating US dollar.   Performance: Facebook shares have seen tremendous growth. For instance, if you invested Rs 10,000 in Facebook stock 10 years ago, your investment would have turned Rs 10,00,000 by October 2020!   Advantages of investing in Meta Higher Returns: Investing in Meta stocks means the potential of gaining higher returns.    Direct ownership: By buying meta shares directly and not through an ETF or Mutual Fund, you gain absolute control. You can sell and buy the stocks whenever you want and make the most of your earnings directly. You are also eligible for dividends as a direct investor.   US dollar investment: Another advantage of investing in Meta is the chance to get returns in dollars from India. You can benefit from dollar appreciation and increase your purchasing power in India with the gained returns.   Disadvantages of Investing in Meta Market Risks: Met shares are subject to market changes just like any other stocks. Though they are extremely beneficial, there are also many losses associated with the company. Timing your investment and changes is extremely important. You can balance your risk with a good investment advisor.   FAQs Is Facebook still a good investment? Yes, Facebook (Meta) is a relatively good investment and stock to own. Historic performance and market value are admirable. The company has a lower P/E ratio which means you are paying less for a dollar of earnings. Facebook's P/E ratio is lower than that of the S&P 500 and the technology sector, Is it smart to invest in Facebook? Facebook is a great company and the biggest tech company in the world with a market share of $ 590.21 billion. Can you buy stock on Facebook? Yes, it is possible to buy shares of Facebook from India. You can find a SEBI-registered online broker, create an account, and get started! Click here to start investing - https://edufund.in/us-stocks Who is the major investor on Facebook? Mark Zuckerberg is a major investor in Facebook. How can I invest in Facebook from India? Yes, you can invest in Facebook from India on the EduFund. Download the App, set up your US account for free without any commission or opening charges. You also get first year free on account maintenance. Once its set up, you can invest in all the top US stocks on your own!

Who doesn't know Google? It's the heart and soul of today's generation and will continue to do so, at least for the next few years. Google is a multinational technology firm based in the United States specializing in Internet-related services and products.    Among them are online advertising technology, search, cloud computing, and software. Google is one of the most popular search engines on the internet, processing a billion searches every day and holding a 65 percent market share.    In January 1996, Larry Page and Sergey Brin founded Google as a research project while pursuing their PhDs at Stanford University in California. They own roughly 14% of the company's stock and, through supervoting stock, control 56% of stockholder voting power. The company was incorporated and founded in 1998, with the initial public offering in 2004.   Alphabet Inc. (NASDAQ: GOOGL) is one of the world's most valuable publicly traded firms. Almost all of Google's income and profits are generated by Alphabet, the business's holding company.    Google's core business, which accounts for about 90% of its revenue, is online advertising, which it does through Google AdWords and AdSense, where it has been the global market leader for over a decade and controls the majority of global ad expenditure.    Profits from advertising are used for other sectors that have the potential to become profitable in the future. This allows Google to make large investments in technology that many companies would be unable to drive. The Google Cloud Platform, Google's cloud business, also generates revenue Let's first look at some basic stuff associated with the company. Latest market close $2638.13 52-week range 1997.88 - 3030.93 Dividend yield  NA Earnings per share  $112.23 Beta 1.07 Market Capitalization $ 1801 billion Average Volume (3m) 1,822,325 PE ratio  23.51  Ways for you to buy Google shares in India. 1. The Direct Way to Invest in Google  2. The ETF Way to Invest in Google  3. The Mutual Fund Way to Invest in Google  1. The direct way   You can trade in Google from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Alphabet Inc's share price was US $2,789.61 on January 14, 2022, which is over two lakhs. However, the premium price of Google shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. With only $1, you can buy a part of a Google stock and own a piece of the corporation.   Additional read: How to invest in S&P 500 from India? 2. The ETF way   One way to invest in Google stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds because they invest in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs.   You can invest in the Invesco QQQ Trust, which contains Google as one of its holdings.   Another option for investing in Google stocks from India is to purchase ETFs that invest in US indices such as the Nasdaq. Google is holding the Motilal Oswal Nasdaq 100 ETF. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   Additional read: How to invest in NASDAQ from India? 3. The Mutual fund way   In this case, you will be investing in funds of funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since investment is in Indian rupees, there is no investment restriction. Google is included in several mutual funds, such as the Edelweiss' US Technology Fund of Fund but only to a minimal level. Furthermore, this strategy may prove to be more costly. An annual expense ratio is one such expense. The expense ratio of these funds is typically more remarkable, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee.   A note of caution here is to remember to evaluate your risk profile before purchasing any investment. Directly investing in equities like Google would be a greater risk strategy for your portfolio. Why invest in Google?  There are no doubts about the outstanding performance of Google with its services, products, and investment in new development & research. But before you find out ‘How’, you must know the ‘Why’ of buying Google shares in India.   It goes without saying that Google has an undoubtedly competitive advantage. Its sustained competitive edge makes it a secure investment.   Despite the rapid pace of Internet development along with fierce competition, Google has managed to hold a monopoly and outperformed its competition.   By the time you finish reading this sentence, Google will have received more than 3 lakh searches. This means, in a day, it receives over 8.5 billion searches. 90% of Google’s earnings and revenues come from these searches. Google funds its future projects and turns them into profit centers with these very earnings/ revenues.   Artificial Intelligence is the next step in the future technology and Google is deploying all its resources into its development.   FAQ Is it risky to invest in Google?  Keeping the Great Recession of 2007-08 as a reference, the selling pressure was affected greatly on all stocks (including Google) by falling 65% from 2007-end to early 2009. But even during this time, not only did Google continue to increase income, but it also quickly made up for all of its losses as soon as the economy started expanding and the stock market stabilized.  What are some ways to buy Google shares in India?  You can buy Google shares in India directly using a US brokerage account, through US ETF, or through mutual funds.  What is the minimum amount required to buy Google shares? Although as of Jan’22, one share of Alphabet costs $2,789.61, you can buy a part of Google stock at only $1.   How to invest in Google from India? You can trade in Google from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India.

In today's technologically advanced world, investing in US equity markets from India is straightforward. Investing in foreign markets has become a crucial part of diversifying your portfolio. Investing in US stocks is becoming increasingly popular among Indian investors. The Nasdaq is one such stock exchange where you may place your investment. What is Nasdaq? How does it work?   Nasdaq stands for National Association of Securities Dealers Automated Quotations; in case you didn't know.    When it opened its doors in 1971, Nasdaq was the world's first digital stock exchange. There are currently three indices in it.   The Nasdaq Composite, the Dow Jones Industrial Average, and the S&P 500 are the most well-known.   The Nasdaq 100 index refers to the top 100 non-financial corporations listed on the exchange. The Nasdaq 100 firms account for more than 90% of the weighting of the Nasdaq Composite Index.   The Nasdaq Financial -100 is a collection of Nasdaq-listed financial companies Difference between the Nasdaq and the NYSE?   Many people mistakenly believe that the New York Stock Exchange (NYSE) and the Nasdaq are the same. That is not the case, however. The NYSE is the world's largest equities-based exchange and the oldest in the United States.    Most exchanges have abandoned the trading floor idea and now trade digitally. On the other hand, the NYSE still has a physical trading floor on Wall Street. Its data center in New Jersey is also responsible for a significant portion of the trade. Nasdaq, on the other hand, lacks a physical trading floor. Since its debut, it has been trading electronically Dealings: The primary distinction between exchanges is how securities are traded. The New York Stock Exchange is an auction-based market. This means that both buyers and sellers submit competitive bids simultaneously. A stock's current price reflects the maximum bid a buyer is willing to pay and the lowest price a seller is ready to take.   Nasdaq, on the other hand, is a dealer-based exchange. Multiple dealers list pricing at which they could purchase or sell a particular stock in this forum. The dealer, in this case, is a Nasdaq market-maker, someone who proactively transacts stocks on behalf of traders.   Both of these markets are controlled by traffic controllers. Traffic controllers generally link buyers and sellers, but their responsibilities on the Nasdaq and NYSE are distinct. As previously stated, a market maker is a Nasdaq traffic controller who proactively buys and sells equities on behalf of traders. The traffic controller at the NYSE is a specialist. He is in charge of determining the stock market's opening price, approving limit orders, and dampening interest in specific equities.   How can an Indian investor invest in Nasdaq? 1. The direct way   By opening a US brokerage account through technology platforms or a foreign brokerage with a direct presence in India, you can invest directly in the world's leading technology businesses like Apple, Microsoft, Google, Facebook, etc., listed on Nasdaq.   You must send funds to the United States to invest in US stocks. You can do this as an Indian resident under the RBI's Liberalized Remittance Scheme, which allows you to send up to US $250,000 per person per year. Stocks are intrinsically expensive because their prices are denominated in dollars. However, you can acquire fractional shares, so you can start investing in your favorite firms with as little as $1.   2. The ETF way   ETFs are another option for investing in Nasdaq from India. One approach is to purchase an ETF through a brokerage platform. One example is Index ETFs, such as the Invesco QQQ Trust, which tracks the NASDAQ 100 index. Companies including Amazon, Apple, Microsoft, Meta (Facebook), Netflix, Google (Alphabet), and Tesla are among the ETFs' top holdings.   Another method to engage in Nasdaq from India is to buy ETFs like the Motilal Oswal Nasdaq 100 ETF or the ICICI Prudential Nasdaq 100 index fund, which invests in US indices. You can trade in these ETFs without opening a new brokerage account in the United States. However, tracking errors in these ETFs may negatively influence your gains.   3. The mutual fund way   In this situation, you'll most likely be investing in funds of funds or a domestic mutual fund that invests in a US mutual fund on the Nasdaq. Since the investment would be made in Indian rupees, there is no investment restriction. This strategy, though, may prove to be more expensive. An annual expense ratio will be required of you. These funds' expenditure ratios are often higher.    As we've seen, there are numerous ways to invest in Nasdaq and join the world's second-largest stock market from India.  FAQs How can I invest in Nasdaq through mutual funds in India? You can invest in mutual funds using the EduFund App in India. Here some easy it is to get started: Download the EduFund App from playstore or Apple store. Set up your account by providing Aadhar, PAN card and your bank details. That’s it! You can start investing and explore thousands of mutual funds for a lumpsum or SIP option. How can I start a SIP? You can start a SIP on the EduFund. Simplify download the EduFund App, set up your investment account using your Aadhar, PAN card and bank account details. After your account is ready, you can explore all the top mutual funds from top AMCs and start a SIP with just Rs. 500! You can increase your investments periodically with no hidden charges. Can I start investing with Rs. 1000? Yes, it is possible to invest with Rs. 1000 in mutual funds. There are thousands of mutual funds on the EduFund that offer minimum investment amount as RS. 1000 and even Rs. 500! Another amazing benefit is that there are no hidden charges or fees involved. Using the EduFu,d you can directly invest in the fund. You can also opt for a lumpsum or a SIP option for mutual funds. The main difference is SIP is a recurring monthly investment and lumspum is a one time investment. Start small, start early with EduFund!

Friends, Ghoul, Sacred Games, The Office, etc., are some shows which have been seen and relished by the people here in India. One common thing about these shows is that all are available on one platform, Netflix. Since its debut in India, Netflix has become the biggest OTT platform!    Netflix, Inc. is an American provider of over-the-top media services based in Los Gatos, California. The company's core business is its subscription-based streaming service, which allows online streaming of a library of films and television programs, including those created in-house. It was founded in 1997 by Reed Hastings and Marc Randolph in Scotts Valley, California. Netflix's corporate offices are at 121 Albright Way in Los Gatos, California. In addition to the United States, they operate offices in the Netherlands, Brazil, India, Japan, and South Korea.   There are various reasons why Netflix is the most popular streaming service. Netflix offers a superior recommendation system that advises what entertainment to watch based on popular shows, general viewer interest, and specific shows the user has previously enjoyed. Netflix tests these algorithms with its consumers and makes improvements as needed. In addition, data mining aids Netflix in recommendations. Netflix also took a risk by investing in original content production. Still, it paid off because some of the most famous and successful shows in recent years have aired on Netflix rather than on more established networks. Netflix has been able to maintain a dedicated following and a competitive edge due to this.   Netflix is one of the few stocks every investor should consider. Let's first look at some real stuff before we proceed.  Latest market close $371.73 52-week range 351.46 - 700.99 Dividend yield  NA Earnings per share  $10.68 Beta 1 Market Capitalization $ 164 billion Average Volume (3m) 7,295,226 PE ratio  33.88  Three ways to invest in Netflix from India  1. The direct way   You can trade in Netflix from India by registering on a US brokerage account using technological platforms that provide this service or through a foreign brokerage with a direct presence in India. To start with this, you only need your PAN card and proof of address.   Netflix's share price was US $525.69 on January 14, 2022, which is over forty thousand rupees. However, the premium price of Netflix shares should not stop you from investing in them because some platforms allow you to participate in fractional shares. With just $1, you can buy a part of a Google stock and own a piece of the corporation.   Additional read: How to invest in Google from India? 2. The ETF way   One way to invest in Netflix stocks from India is through an exchange-traded fund (ETF). ETFs are a grouping of stocks and bonds traded as a single fund. They're comparable to mutual funds in that they're invested in a pool of money. ETFs, on the other hand, are exchanged on the stock exchange and offer a simple and inexpensive way to gain access to a category of market or a group of companies. Buying an ETF via a platform is one way to invest in ETFs.   You can invest in the Invesco QQQ Trust, which contains Netflix as one of its top holdings.   Another option for investing in Netflix stocks from India is to purchase ETFs that invest in US indices such as the Nasdaq 100. Netflix is holding the Motilal Oswal Nasdaq 100 ETF. You don't need to create a US brokerage account to invest in these ETFs. However, tracking errors in these ETFs may influence your returns.   Additional read: How to invest in Nasdaq from India? 3. The Mutual Fund way   In this case, you will be investing in funds of funds, a domestic mutual fund that invests in a mutual fund available in the United States. Since the investment would be made in Indian rupees, there is no investment restriction. Netflix is included in several mutual funds, such as the Edelweiss' US Technology Fund of Fund but only to a minimal level. Furthermore, this strategy may prove to be more costly. An annual expense ratio will be required of you. The expense ratio of these funds is typically greater, as it includes an additional expenditure levied by the core global schemes they invest in, in addition to the usual India fund administration fee.   A note of caution here is to remember to evaluate your risk profile before purchasing any investment. Directly investing in equities like Netflix would be a greater risk strategy for your portfolio. FAQs Can I invest in Netflix directly from India? Yes, you can invest in Netflix from India on the EduFund. Download the App, and set up your US account for free without any commission or opening charges. You also get a first-year free on-account maintenance. Once it's set up, you can invest in all the top US stocks on your own! What is the Netflix stock price currently? Netflix's current price is at $411. How to start investing in Netflix? There are several ways to start investing in Netflix. You can directly invest in the company by buying its stocks through an app, you can invest in the company indirectly by investing in mutual funds or ETFs that will buy the stock as a part of their portfolio.

As per Statista’s findings, “Coca-Cola is one of the top companies in the world by market capitalization”. The name is among the leading companies like – Apple, Alphabet, Tesla, and Amazon.  Market capitalization is a critical parameter considered in calculating a company’s worth and the trading opportunities it presents. Coca-Cola is considered one of the biggest companies in the world as per the Market Value Index 2022.  Having such a high market capital ratio and being well-known for its “formula”, Coca-Cola shares opportunities for investors, particularly Indian.  However, many investors find it complicated to seek a way to invest the right way from India. Yes, you can invest in Coca-Cola stock from India. The blog states the best and easiest ways to invest in Coca-Cola from India.   Coca-Cola: One of the leading beverage companies in the World  Coca-Cola is a key beverage company in the world. Atlanta, Georgia, is the company's headquarters. Globally, it has 200 bottling partners.  Coca cola’s net worth as per July 2022 statistics stands at $273.71 billion. There would be hardly any personality in the world who would fail to recognize the iconic letters describing the bottle. It is this aspect that captures the investor’s attention.  To talk about its bottles, have undergone constant evolution since 1886. It is the year that marked the invention of the iconic brand. The taste soon got popular in the UK and the brand became the first to cross the annual £1 grocery sales. What does the Coca-Cola market benefit the most from?   Coca-Cola is well known for manufacturing different beverages:  Beverage concentrates  Syrups  Sparkling soft drinks  Fruit drinks  Water  Sports drink  Juice  Plant-based drinks  Tea  Here is how its product segment contributes to the company’s growth: Product Segment Company contribution Coca Cola 17% Diet Coke 17% Coke Zero, Sprite Zero 14% Powerade and other brands 14%  What are the main motivations to invest in Coca-Cola than Pepsi from India?   Here are some popular reasons to invest in Coca from India in 2022: Coca Cola Stock PepsiCo Stock Coca-Cola's cash stash of $17 billion accounts for 53% of stakeholder’s equity  Coca Cola's cash stash of $17 billion accounts for 53% of stakeholder’s equity  It has a global market share of 8.4%. It shares greater pricing flexibility than Pepsi.co It has a global market share of 3.6% It has a no.1 market spot globally PepsiCo has a grand presence It deals only in Beverages It deals in beverages and snacks  Why does Warren Buffet love Coca-Cola so much? Ever wondered why Warren Buffet’s Berkshire Hathway owns a 400 million or 9.2% stake in the company? According to Business Insider’s statistics, Berkshire Hathway invested $1.3 billion investing in Coca-Cola. The price of Coca-Cola stock rose 2% in 2022. It is not it. Here are other reasons Warren Buffet, the famous Angel investor, relies on Coca-Cola’s future.  He believed it to be an undervalued brand being the biggest beverage industry dominator  The company launched fresh brands of juices, sports drinks, coffee, and bottled water in 1988. The annual revenue rose from $8.3 billion in 1988 to $38.7 billion in 2021  It buys back its stocks (major reason).  He deems it as a “FOREVER STOCK Additional read: How to invest in Netflix from India? What is the Coca-Cola company's share price in India in 2022?  As of 8th July 2022, the share price of Coca-Cola stands at ₹4.9k.  Is it ideal to invest in Coca-Cola from India in 2022?   Here are some popular reasons to invest in Coca-Cola from India in 2022: The stock price of Coca-Cola has risen by 17% from 2021.  As per the Economic Times, “Cola-Cola is to make “Maaza” a $ 1 billion brand by 2023.”  Undoubtedly, the stock will rise in the upcoming times and subside any US inflation fears.  Additional read: How to invest in Google from India How to invest in Coca-Cola from India?   Coca-Cola owns popular brands like- Minute Maid, Fanta, Maaza, and Coke Zero. You can invest in Coca-Cola from India in multiple ways:  1. Direct investment in the US stock  You can invest in Coca-Cola from a brokerage account in India. It is an account that holds financial securities or securities either with a bank, broker or custodian. Investors and traders hold accounts with the respective broker and the bank. They buy and sell stocks through the security account.  To invest in Coca-Cola from India, you can open up a US brokerage account by choosing from multiple platforms available.   Or use a foreign brokerage sharing a direct presence in India.  2. Invest through ETF Funds   Another option through which you can invest in Coca-Cola is through ETF funds. An Exchange-Type Fund (ETF) is a pooled investment that works like a mutual fund. It tracks funds under index, commodity, asset, and sector.    It can be purchased and traded similarly to other stocks. ETF holds funds for different industries like- Household products, beverages, staples, food, etc. Some ETFs invest in US indexes. You can invest in Coca from India through ETFs of the US available in India.  4. Coca-Cola Mutual funds In India    It is one of the straightforward methods to invest in US Coca-Cola Stock. In this, you can invest in local mutual funds that share availability in the US. One can invest in Indian Rupees. There are no restrictions to that. However, there may be a charge to invest in the stock from India. The fee is known as the Expense ratio.    These fees tend to be high. If you are a beginner investor, it might not be an ideal stock for you. It shares potential risks. However, the stock is performing well, but the fee makes investment costlier. Evaluate the risk appetite and invest in an informed manner.   As per the research, Coca-Cola stock is the stock of the “Future”. It certainly holds the potential for an investor to multiply his wealth. Advantages of investing in Coca-Cola 1. Renowned company Coca-Cola is one of the world’s largest companies, which sells beverages in at least 200 countries in the world through wholesalers, retailers, and partners. Coca-Cola has more than 500 beverage brands. Out of the top 5 beverages in the world, four are owned by the soda giant.    2. Can withstand recession There are so many stocks that do well during the bull market and struggle when a recession hits. But Coca-Cola is one of the few companies that can withstand recession with minimal loss compared to other companies.   3. Dividend  The growing dividends are one of the big advantages of Coca-Cola. Many reports suggest that the company gave out dividends to its shareholders even during the most challenging times.    Disadvantages of investing in Coca-Cola 1. Potential product slide Though it’s very hard to see a company as big as Coca-Cola lose customers, there has been a slight mindset change amongst people, with many choosing the healthy way. People are starting to be vocal about staying away from sugary drinks to concentrate on fitness. This could be a minor concern for a potential investor.  2. Expensive stocks   Coca-Cola stocks are expensive. One might think given the brand name and size of the company, the prices are justified, but with recent performances and future expectations of the stock, a few investors could have second thoughts because of its price.   How to invest in Coca-Cola from India?   Though it may sound complicated, it’s quite easy to invest in Coca-Cola from India. The EduFund app allows you to invest in the US market through US ETFs. Follow the instructions to invest in the app:   Enter the app and click the Invest option in the dashboard   You will see Mutual Funds, the US Market, and Digital Gold options on the screen   Click the US Market, and it will show the Top US Stocks option   Click the View All option, and you will see Coca-Cola fund among the best companies in the world   Choose Coca-Cola fund and start investing   You can invest in Coca-Cola from India in the above-mentioned ways. Keep a check on market fluctuation, fees, and risks. Are you ready to invest in Coca-Cola? FAQs Why should I invest in Coca-Cola?   Statista states that “Coca-Cola is one of the top companies in the world by market capitalization”. The name is among the leading companies like – Apple, Alphabet, Tesla, and Amazon. Market capitalization is a critical parameter considered in calculating a company’s worth and the trading opportunities it presents. Coca-Cola is considered one of the biggest companies in the world as per the Market Value Index 2022   Why did Coke pull out of India?   The Indian government demanded Coca-Cola reveal its secret syrup formula, which led Coca-Cola to pull out of the Indian market in 1977. The brand returned to India in 2003.    What was the strategy of Coca-Cola for the Indian Market?   Coca-Cola acquired local brands like Thumbs Up, Maaza, Limca, and others to expand its global branding. Its excellent marketing campaigns, like sponsoring significant cricket tournaments and involving youth celebrities of the country to market the product, were masterstrokes.    Can I invest in Coca-Cola from India?   You can invest in Coca-Cola stocks from India through US ETFs. The EduFund app offers customers the option of investing in Coca-Cola through US ETFs!   How can I invest directly in Coca- Cola? Yes, you can invest in Coca-COla from India on the EduFund. Download the App, set up your US account for free without any commission or opening charges. You also get first year free on account maintenance. Once its set up, you can invest in all the top US stocks on your own! What is the share price of Coca-Cola? It is $56.49 currently.