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Author : Ketan Sejpal

Switching lenders: Does it make sense?

Publication: Business Standard, Mumbai;   Date: March 1, 2009                   Take a decision based on the remaining tenure, penalty and processing charges. In the last five months, the Reserve Bank of India (RBI) announced four rate cuts, primarily to ease the liquidity crisis that has besieged the financial markets. These cuts have encouraged the public sector banks […]

Keep your business buoyant

Publication : Business standard, Mumbai; Date:February 15, 2009 Don’t dig into personal reserves, avoid personal and short-term loans. Recession, slowdown, budget freezes and cost cutting are four buzz words in any discussion today. Due to tough times, corporations have been forced to cut down on various costs. Just two days back, Citigroup head honcho Vikram […]

New year, new options

Publication: Business Standard, Mumbai;   Date: Jan 11, 2009;    Section: Cover Story;   In 2009, expect a Few developments in the personal finance space that will change things for the better. The year 2008 would be remembered for the sharp fall in stock markets and closure of legendary institutions like Lehman Brothers and Bear Stearns. Even in the personal finance space, […]

Some cautious hope

Publication: Business Standard, Mumbai;   Date: Jan. 4, 2009;    Section: Road Ahead;    After despair in 2008, invest smartly in 2009. The year 2008 has tested all investors. Besides a steady fall in the equity market, albeit with high volatility in some months, even other asset classes have seen a steady decline. For instance, crude oil went up to $147 […]

Twice the effort: Amar Pandit

Publication: The Times Of India Mumbai; Date: Nov 25, 2008; Section: Your Money; Page: 23 MEET THE FAMILY Akshay Mathur is a corporate executive and a single parent in his late thirties. His wife, Shalini, died a few years ago. Their two 10-year-old daughters, Kirti and Poorti, are in class five. Despite a substantial income, Akshay […]

Not insurance, but a savings policy

Publication: Business Standard Mumbai;   Date: 2 November, 2008;    Section: Product Analysis;    Yet another product that defies the basic principle of not mixing insurance with investment. Most insurance buyers forget one simple thing – they should be buying only life, health or any other cover from insurance companies. Instead they lose their focus and buy products, which are completely different […]

Do a Recce before the Recession

Publication: Business Standard, Mumbai; Section: Financial Planning; Date: October 19, 2008 Reduce high-cost loans, create a contingency fund and play long term.these are the only mantras to survive during a slowdown. Headlines across most newspapers, a few days ago, were about 1,900 employees being laid off at Jet Airways. Of course, the company’s chairman, Naresh […]

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