Yes, you are correct, Quant Mutual Fund has indeed increased its investments in NBFCs and PSU banks. They have been looking to take advantage of the growth in these sectors. Additionally, they launched India's first Small & Mid-Cap Sectoral Investment Fund (SIF). This fund focuses on mid- and small-cap opportunities, as well as specific sector themes. It's a pretty interesting move for investors looking to tap into those segments!

Credit scores are basically numbers (usually ranging from 300 to 850) that lenders use to assess your repayment reliability. A score over 750 is considered excellent and secures better interest rates and loan terms.

Tips for a Healthy Score:

Pay bills on time: This is crucial for avoiding late payment penalties and damage to your score. Keep credit card balances low: Aim to use less than 30% of your total available credit limit. Avoid opening too many accounts quickly: Space out applications for new credit. Check your credit report regularly: Look for and dispute any errors. Maintain a good credit mix: Having different types of credit (e.g., credit cards and loans) can be beneficial if managed responsibly.

SEBI's decision to impose a ₹5,000 crore limit for high-value debt listed entities is great news! This move opens up the bond market for smaller companies, giving them the opportunity they need to grow.

Retail investors from small towns now have more opportunities to diversify, earn better returns, and support local businesses, thus enhancing investment activity.

“Zero forex markup” cards sound appealing, but it’s essential to read the fine print. Check for hidden charges like ATM withdrawal fees abroad, poor exchange rates, or transaction and annual fees.
Unfavorable conversion rates and extra costs can still cut into savings, so it is important to review all terms carefully before applying.

This move could have a significant impact on the stability of the banking sector. Foreign investment can provide banks with new capital and expertise, aiding their growth and innovation. However, having many foreign stakes could also make the sector a bit more volatile, depending on the performance of global markets.

Overall, if managed well, this shift could strengthen the banking system in India, but there are definitely some risks that need to be monitored.

@Anish
Rural fishery entrepreneurs are skillfully combining various government schemes to strengthen their businesses and ensure long-term growth.

First, they utilize the Pradhan Mantri Matsya Sampada Yojana (PMMSY) for financial aid, modern fish farming techniques, and improved infrastructure.

Next, they access the Fisheries and Aquaculture Infrastructure Development Fund (FIDF) to build better facilities, such as ponds and hatcheries, which enhance productivity and fish health.

Additionally, loans under the Mudra Yojana help them invest in equipment, training, and skill development for sustainable operations.

By blending these schemes, entrepreneurs boost profitability, improve efficiency, and create eco-friendly, resilient fishery businesses in rural India.

Hybrid funds have seen a 22% rise in assets under management this year, demonstrating strong growth. However, new investments have slowed during FY25, reflecting mixed investor sentiment.

This trend could stem from uncertain market conditions, prompting investors to hold back or shift funds elsewhere. Rising interest rates may also be pushing individuals toward safer options.

Additionally, changing investor preferences for alternatives or fixed-income assets could be affecting inflows. Overall, despite higher assets under management, caution and shifting strategies are shaping hybrid fund investments this year.

Absolutely! Right now, sectors like FMCG and retail aren’t doing well, but that might actually provide a good opportunity for long-term gains. As prices stabilize and people start spending more — especially with incomes rising and rural areas bouncing back — these safer sectors could attract the attention of investors again, particularly when the focus shifts away from just high-growth trends.

The recent Madras High Court’s classification of cryptocurrency as “property” clarifies ownership rights and legal standing in India. This recognition strengthens investor protection, fosters regulatory clarity, and builds confidence in digital assets.

This decision will ultimately encourage broader participation and support the growth and maturity of India’s evolving cryptocurrency ecosystem.

We are all witnessing a wonderful shift; Indian investors are now opting for expert-managed Alternative Investment Funds (AIFs). They are stepping away from traditional options such as gold and fixed deposits, which are no longer viewed as sufficient in the current economic landscape.

Thanks for your answer, but if maintaining low utilization and timely payments is key, how can I, with limited credit history or low income, effectively raise my score above 710 without incurring new debt?

@Faraz said in What is Pi Coin?:

What specific regulatory or technical obstacles are preventing its official launch in the Indian market, and how does this unofficial trading activity impact the legal and financial security of Indian users?

The regulations surrounding cryptocurrency in India can be quite intricate. The RBI is being cautious because they're concerned about financial stability, consumer safety, and the prevention of illegal activities.

Uncertainty can confuse people, and with trading being poorly regulated, users face risks such as scams, fraud, and lack of legal protection. Therefore, it's crucial for everyone to be vigilant and stay informed.

Many small property owners often find selling their properties to be stressful, but a skilled real estate agent can help by managing the legal and paperwork issues.

A document checklist keeps you organized, and early legal counsel can save you from future problems. All of this can make the process much smoother.

ICICI Bank’s Women’s Debit Card offers specially tailored benefits for women.

Enhanced security and complimentary insurance are key features. The card provides discounts on health, wellness, fashion, and lifestyle brands. ICICI adapts its offerings based on customer feedback, specifically addressing women’s concerns.

Choose ICICI for a card that truly supports your health and lifestyle needs.

When dealing with USDT transactions, it’s important to remember that some risks still exist, even if you’re using two-factor authentication (2FA) and secure wallets. To keep your assets safer, consider using a hardware wallet for long-term storage. Additionally, only trade on exchanges that you know and trust.

Staying updated on the latest security tips is crucial. So, taking a proactive approach with multiple layers of security can help reduce the risks you might encounter.

Well, relying solely on major exchanges for USDT comes with risks, such as security breaches and regulatory issues.

To protect your assets, consider using multiple storage options — like exchanges, hardware wallets, and decentralized platforms. Additionally, enable two-factor authentication (2FA) and stay informed about security measures and regulations.

The Indian government has introduced mandatory cybersecurity audits for crypto exchanges to enhance security by identifying vulnerabilities and promoting best practices. While these audits are a positive step, it’s crucial to acknowledge that they aren’t a comprehensive solution.

Evolving threats, insufficient enforcement, insider risks, and outdated frameworks all underscore the need for more than just audits. To genuinely protect users, we must also prioritize education and continuous risk management.

Hey @Shivangi Yes, you can convert your MakeMyTrip ICICI Credit Card reward points into airline miles, or you can use them directly for flights, hotels, and travel bookings on MakeMyTrip.

Just keep in mind that the redemption options and eligibility requirements depend on the current terms and partnerships set by ICICI Bank.

@Drishti
Well, we have mentioned all this quite clearly here: https://fincuss.com/topic/310/hdfc-biz-black-metal-edition-credit-card
But still, if you're considering the HDFC Biz Black Metal Edition Credit Card, here’s what you need to know:

Chip-based security enhances safety. Real-time transaction alerts keep users informed. Two-factor authentication adds extra protection. Earning and redeeming reward points is easy. Rewards can be used for flights, hotels, and e-vouchers. Promotional offers may enhance redemption options.