Personal Finance Articles


What is Bond Yield?

A bond is a financial instrument that offers fixed and predictable returns. By issuing bonds, the bond issuers are borrowing money, and therefore, bondholders act as creditors to the issuer. There are various terms related to bonds that one needs to...


Commercial Paper

What is a Commercial Paper? Commercial paper (CP) is an unsecured money market instrument issued primarily by financial institutions and highly rated corporate borrowers and is issued at a discount in denominations of Rs. 5 lakh or multiples thereof. Institutional...


What is Acid-Test Ratio & How to Calculate?

Ratios help measure the relationship between two or more variables in quantitative terms. There are various kinds of profitability ratios, solvency ratios, turnover ratios, liquidity ratios, etc. However, one liquidity ratio that compares most liquid assets and short-term liabilities is...


Things to Know Before Investing in REITS

Indians' love for real estate is inseparable. However, it is not for everyone to take on such a high investment cost. Real Estate Investment Trust REITs are a relatively new type of investment scheme (in India) that offer real estate...


OTC Derivatives

A derivative is a financial instrument that derives its price based on one or more underlying assets. A price change in the underlying assets directly impacts a derivative's market value. Such underlying assets include stocks, bonds, commodities, currencies, interest rates,...

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Equity Derivatives in India

A derivative is an instrument that derives its value from its underlying securities, assets or benchmarks. Hence, the fluctuations in the stock market impact the value of equity derivatives. A derivative contract is between 2 or more parties who agree...


Currency Derivatives in India

What are Currency Derivatives? Derivatives are instruments that derive their value from the underlying assets. An equity derivative will derive its value from stocks and securities. Furthermore, it is a contract that parties enter into with a specific date for...


 Foreign Direct Investment (FDI)

What is Foreign Direct Investment (FDI)? Foreign Direct Investment (FDI) is an investment from an investor in one country into a business or corporation of another country to establish a long-lasting relationship. In other words, the investor, company or government...