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Yatheendradas C.k.

Yatheendradas C.k.

City: Bangalore

Joining Date: 11 Jul , 2009
Last Login: 09:33 AM - 25 Jun , 2017
IP Address of Last Login - 122.172.75xxx
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New Thread: Inhale onion vapors for sinus relief

From : Yatheendradas C.k. at 08:35 AM - Jun 25, 2017 ( )

Inhale onion vapors for sinus relief

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Chop up an onion, put it in a bowl and inhale the onion fumes.
The vapors help open sinus passageways, providing relief from sinus pressure.

New Thread: Health benefits of NUTS

From : Yatheendradas C.k. at 08:33 AM - Jun 25, 2017 ( )

emailClick here to join World Malayali Club

New Thread: Thoughts for the Day June 25th, 2017

From : Yatheendradas C.k. at 05:56 AM - Jun 25, 2017 ( )

25th June, 2017

Image result for power of prosperity quotes

New Thread: Itís time to buy cyclicals as financial health of firms

From : Yatheendradas C.k. at 05:53 AM - Jun 24, 2017 ( )

It’s time to buy cyclicals as financial health of firms begins to improve


ICICI Bank and L&T are the top picks of Deutsche Bank from the sector

The outlook and sentiment for cyclical stocks are expected to turn favourable as the financial health of companies is getting better. Based on an analysis by Deutsche Bank, for the first time in six years, the debt-to-equity ratio of BSE 500 companies (ex-financials) has been at the lowest in FY17 at 0.8 times, compared to 0.96 times in FY16. The interest coverage ratio of 5.4 times in FY17 has also improved from 4.9 times in FY16.

Less borrowed, more repaid

According to data provided by Capitaline, net sales and operating profit of BSE 500 companies (excluding financials) grew over 8 per cent in FY17. Improving operational performance along with slow rise in borrowings (and consequently, interest costs) led to a jump of 13.4 per cent in adjusted net profit in FY17.

Long-term borrowings, which form a major part of total borrowings, have grown only 8 per cent in FY17 or in single digits in the last three fiscals (FY17, FY16 and FY15), compared to double-digit growth in the previous two years (FY13 and FY12). Many companies seem to have either borrowed less or repaid their loans.

“The debt-to-equity ratio in the two key sectors — materials and utilities — which have seen considerable balance sheet stress has improved over the last two years. The only exception to this trend is telecom,” Deutsche Bank pointed out.

Slew of positives

Improving liquidity, fall in interest rates, benign capital markets and stable exchange rate have been the main factors behind the better balance sheets which is likely to continue, according to Deutsche Bank.

This indicates a pick-up in the capex cycle — which remained dormant for many years — soon, and hence a re-rating in many cyclical stocks. The rally will also spread to public sector and private banks with higher proportion of corporate loans in their books and NPAs, due to pick-up in the capex cycle, growth and also recent moves by the government and the Reserve Bank of India on asset quality resolution. While metal and oil & gas stocks have jumped substantially in the last one year with gains of the respective indices on the BSE in the range of 30-40 per cent, infrastructure stocks from power and capital goods sectors have lagged with rise of just 14-20 per cent and therefore, providing value now.

ICICI Bank and L&T are the top picks of Deutsche Bank from the cyclical sectors.

New Thread: Stock markets hit new highs, companies open coffers

From : Yatheendradas C.k. at 05:47 AM - Jun 24, 2017 ( )

Stock markets hit new highs, companies open coffers to buy their own shares; help boost EPS even as profits grow slowly

In a year when the stock markets have hit new highs — the Sensex has put on 17% between January and now — companies are spending large amount of cash to buy back their shares.

Mumbai | Published: June 24, 2017 5:19 AM  The Financial Express

In a year when the stock markets have hit new highs — the Sensex has put on 17% between January and now — companies are spending large amount of cash to buy back their shares. The buybacks are helping boost the firms’ earnings per share (EPS) at a time when corporate profits are growing slowly. The Sensex at current levels of 31,138 points trades at a price-earnings multiple of over 18 times one-year estimated forward earnings, a 20% premium to the long-term average multiple. With the Rs16,000-crore buyback of Tata Consultancy Services (TCS) shares complete, companies have now bought back nearly Rs30,000 crore worth of shares since January. This is more the Rs27,000 crore worth of buybacks done in 2016. TCS’ buyback has been the biggest share repurchase offer so far this year. In 2012, Reliance Industries bought back shares for an amount of Rs10, 440 crore. Buybacks appear to have become the preferred route for companies to return wealth to shareholders, especially since dividend income of over Rs10 lakh per annum is taxable at 10% in the hands of all residents, domestic companies, trusts or funds except those established for religious, educational or charitable purposes.

The government is also using the buyback route to tap the coffers of cash-rich PSUs; it hopes to be able to meet its divestment target this way. Of the Rs46,246.58 crore raised by the government through the disinvestment route in 2016-17, nearly Rs 19,000 crore came through state undertakings buying back their shares. Buybacks are the process by which companies repurchase their shares from stakeholders. The bought-back shares are extinguished, shrinking the firm’s equity base. TCS’ offer came a week after US-based software services player Cognizant Technology Solutions, which has centres in India, announced plans to buy back shares worth $3.4 billion.

NHPC, the state-owned hydropower producer, bought back shares worth Rs 2,616 crore. NLC, another state-owned company that is engaged in the mining of lignite and generation of power through lignite-based thermal power plants, bought back shares worth Rs 1,476.49 crore. Among other private sector companies, Mphasis bought back shares worth Rs 1,103 crore. Vardhman Textiles bought back shares worth Rs 719 crore. KPR Mills, Hexaware Technologies and Balrampur Chini were among the other private sector companies that completed their buybacks in past six months.

Sundar Sethuraman

New Thread: 10 Fruit Juices Good for Health

From : Yatheendradas C.k. at 05:39 AM - Jun 24, 2017 ( )


Not many people know that soursop fruit (also part of the soursop tree, ie leaves) keep hidden strength to fight cancer effectively than with treatment using medicines and chemo therapy. Unfortunately, the good news is covered up by one of world company who conduct research and wants research funding plus generous benefits go to the company, before the pharmaceutical raw materials from soursop fruit thrown into the world market. Apart from soursop fruit, there are many other fruits that have a great benefits for health. All fruits are also consumed it easier and more comfortable with processed into healthy fruit juice.
 10. Avocado juice

A study published by The Journal of Natural Products mentioned that the soursop fruit as the “miracle fruit” that is very nutritious for health, including:
· Can effectively pick and choose the target bad cells from 12 different types of cancer, namely breast cancer, prostate, lung, colon, pancreas.
· Working 10 thousand times more powerful to postpone cell growth cancer than drug (andriamicin) or chemo therapy.

Source  Email

New Thread: Thoughts for the Day June 24, 2017

From : Yatheendradas C.k. at 05:34 AM - Jun 24, 2017 ( )

24th June, 2017Image result for power of prosperity quotes









New Thread: Stocks in the news: Mindtree, Wockhardt, Fortis Health

From : Yatheendradas C.k. at 08:29 AM - Jun 23, 2017 ( )

Stocks in the news: Mindtree, Wockhardt, Fortis Healthcare, Quess Corp, Reliance Comm

Tata Power | Mindtree | Wockhardt | Fortis Healthcare | Quess Corp | Shriram EPC | Reliance Communications | Bhushan Steel | Jindal Stainless and Reliance Defence are stocks, which are in the news today.

Jun 23, 2017 08:14 AM IST | Source: CNBC-TV18

Here are stocks that are in news today:

Fortis Healthcare: Sources
IHH Terminates Exclusive Talks With Fortis On Risk Owing To Daiichi Case
IHH Finds Court’s Caveat On Preserving Holding Co Value As A Risk Factor

Delhi HC Says Value Of Stake In RHC Holding, Oscar Investments Cannot Change

Wockhardt Settles With Teva & Its Affiliate A Commercial Litigation In London HC

Settles Commercial Litigation For Trisenox With Teva In London HC

Tata Power Says
To Continue Exploring Options For Long Term Sustainability Of Mundra Plant

Bankers Suggested Procurers To Buy 51% In Mundra On Back To Back Basis

Other stocks and sectors that are in news today:
Quess Corp enters into definitive agreement to acquire 51% shareholding in Comtel Pro
Shriram EPC bags orders worth 165cr under water management business
Wockhardt settles case by paying 186cr (23m Pounds) with Cephalon Inc an affiliate of Teva Pharmaceuticals in UK
Indiabulls Real Estate to issue NCD's worth 500cr
Bankruptcy process started against Zenith Computers
Homeshop 18 seen in talks with Shop CJ for merger (Disclaimer: Network 18, which is a part of Reliance Industries, owns Homeshop 18 and Moneycontrol)
Global PE’s back Reliance Communications’s tower arm stake sale plan
Idea, airtel - Manoj Sinha assures telco’s of ‘corrective steps’
NTPC targets 250 billion unit power generation in FY18: PTI
Sources Say Joint Lenders Forum Approves Sending Bhushan Steel To The NCLT
Jindal Stainless: SBICAP Raises Stake due to creation of pledge By 2.34% To 29.63%
Reliance Defence To Partner With Daher For Aerospace ComponentsMindtree To Consider Share Buyback On June 28


From : Yatheendradas C.k. at 05:54 AM - Jun 23, 2017 ( )

The RBI today announced names of the members
of overseeing commiee.
The composion
of OC
will be as follows with effect from Sep 7, 2017:
Pradeep Kumar (chairman), Janki Ballabh, M B N
Rao, Y M Deosthalee, S Raman. Reconstuted
will work with an expanded mandate to review
cases being restructured under the scheme for
sustainable structuring of stressed assets (S4A).
Overseeing commiee
will, for the present, have
5 members, including a chairman, and will work
through mulple
benches as may be necessary.
OC will review resoluon
of cases
where aggregate exposure of the banking sector
to the borrowing enty
is greater than Rs 500
‐Business Standard

RBI Governor Urjit Patel today said the
soon‐to‐be implemented GST will not only create
a naonal
market but will also broaden the tax
base which in turn will lower the overall taxes in
the long‐term.
"The prudent point is that GST
itself is part of the digisaon
along with the reforms on the informaon
side in terms of the processes and operaons,
have the potenal
to broaden the tax base
" Patel told.
‐Profit NDTV

The RBI has asked banks to resolve 55 high‐value
cases of bad loans within 6 months or face the
prospect of being directed to go in for the new
insolvency resoluon
mechanism as part of the
strategy to rein in an unacceptable level of NPAs.
‐The Indian Express

The RBI today asked banks to provide "adequate
details" of transacons
in the passbooks and
statements of accounts so that customers can
cross‐check them. Earlier, the RBI had advised
them to avoid inscrutable entries in
passbooks/statements of account and ensure
that brief, intelligible parculars
are invariably
entered with a view to avoiding inconvenience to
‐Economic Times

Vijaya Bank has bagged nine Skoch Awards. The
bank received awards in the following categories
‐‐ Best Bank in Public Sector; Best Bank for NPA
Management – Organizaon
Category; Retail
Lending; Inclusive Wallet – VPAYQWIK; Digital
Inclusion; IT Security; e‐Surveillance of ATMs and
branches; and 100 Digital Villages – Financial
Inclusion. The bank’s ED B. S. Rama Rao received
the NPA Management Award (individual
category) from Sameer Kochhar, Chairman, Skoch
Group at Mumbai.
‐Business Line

HDFC Bank’s MD Aditya Puri saw his
rise marginally to Rs 10 crore and
exercised stock opons
worth over Rs 57 crore
during the last fiscal. His remuneraon
was Rs
9.73 crore in 2015‐16. Out of the total
of Rs 10.05 crore in the last
financial year, gross salary accounted for lile
over Rs 9.5 crore, as per the bank’s annual report
for 2016‐17.
‐Business Line

USD/INR 64.59
SENSEX 31290.74(+7.10)
NIFTY50 9630.00 (‐3.60)

New Thread: 5 at home remedies

From : Yatheendradas C.k. at 05:22 AM - Jun 23, 2017 ( )

                   5 at home remedies

           Click here to join World  Malayali Club

New Thread: Sleeping Positions

From : Yatheendradas C.k. at 05:20 AM - Jun 23, 2017 ( )

                          Sleeping Positions

Click here to join World  Malayali Club

New Thread: Thoughts for the Day June 23rd, 2017

From : Yatheendradas C.k. at 05:15 AM - Jun 23, 2017 ( )

23rd June, 2017

Image result for power of prosperity quotes


From : Yatheendradas C.k. at 09:47 PM - Jun 22, 2017 ( )


Shatavari, Asparagus racemosus, is a climbing plant which grows in low jungles areas throughout India. This sweet and bitter herb is particularly balancing to Pitta Dosha.
In India, Shatavari is considered the women's equivalent to Ashwagandha. The name translates to "she who possesses 100 husbands", referring to the herbs rejuvanitive effect upon the female reproductive organs. In Australia the herb is more often used to treat gastrointestinal disorders and as an external wash for wounds.
The healing qualities of Shatavari are useful to a wide array of ailments. It is well known for it effects on the female reproductive system. It is also effective in a number of other systems of the body and is therefore of use to both men and women.
Botanical Name : Asparagus racemosus
Sanskrit -- Shatavari
Hindi -- Shatavari
English -- Indian Asparagus, Hundred Roots , Asparagus roots
Chinese - Tian men dong
Family : Asparagaceae
Effect on the Doshas: Vata: - Pitta: -
Kapha: +
Rasa (Taste) : Madhura (sweet) ,Tikta (bitter)
Virya (Energy): shita (cold)
Vipak (Post-Digestive Action): madhura
Parts Used : Roots (Rhizomes), Shatavari root powder and leaves.
Properties :
Nutritive tonic, rejuvenative,
Shatavari is perhaps best known as a female rejuvanitive. It is useful for infertility, decreased libido, threatened miscarriage, menopause, leucorrhea and has the ability to balance pH in the cervical area. Dry membranes, such as those on the vaginal wall, are also brought into balance through the herbs demulcent action.
Men may benefit from the herb as well in the treatment of impotence and general sexual debility. In addition to it's applications for reproductive organs, Shatavari is also quite effective for stomach ulcers, hyperacidity and diarrhea. Dry and irritated membranes in the upper respiratory tract are soothed by this herb making it useful in cases of bronchitis and chronic fevers. It is believed to bring into balance all of the body's fluids.
Medicinal Uses:
The most important herb in Ayurvedic medicine for women
Used internally for infertility, loss of libido, threatened miscarriage, menopausal problems. It both nourishes and cleanses the blood and the female reproductive organs. It is a good food for menopause or for those who have had hysterectomies, as it supplies many female hormones. It nourishes the ovum and increases fertility. This herb is known to increase Sattva, or positivity and healing power. It also enhances the feelings of spiritual love, and increases Ojas.
The male reproductive system will also benefit from Shatavari. It may be used in cases of sexual debility, impotence, spermatorrhea, and inflammation of sexual organs.
Useful for hyperacidity, stomach ulcers, dysentery, and bronchial infections.
Shatavari Benefits / Benefits of Shatavari:
Shatavari supports reproductive health by toning and nourishing the female reproductive organs
Shatavari maintains healthy hormonal balance
Shatavari treats PMS symptoms by relieving pain and controlling blood loss during menstruation.
Shatavari supports normal production of breast milk for nursing mothers
Shatavari relieves menopausal symptoms such as hot flashes. By producing estrogens it makes up for low estrogen levels in women who are menopausal or have had hysterectomies or oophorectomies
Used in India as a best-known and most often-used herb for women
Shatavari supports normal function of the immune and digestive system
Shatavari also increases libido
Image may contain: plant, outdoor and nature
Source  email

New Thread: Top 10 fundamentally strong stocks to buy on dips

From : Yatheendradas C.k. at 10:44 AM - Jun 22, 2017 ( )

Top 10 fundamentally strong stocks to buy on dips which could give up to 22% return

Most experts have a target of 32,000 – 33,000 on the S&P BSE Sensex which translates into an upside of about 5 percent. Investors will be better off staying with stocks which can outperform markets by a wide margin

Jun 22, 2017 09:59 AM IST | Source: Moneycontrol.com

Kshitij Anand    Moneycontrol News

The momentum which propelled the Nifty50 to reclaim Mount 31K, up 17 percent so far in the year 2017 could well slow down, but there will be plenty of stock specific action.

The index is languishing in a narrow range and most of the stocks have already corrected in double digits in the past 10 days. Hence, if there is a dip, analysts advise investors to pick up quality stocks which have a good fundamental story.

Most experts have a target of 32,000 – 33,000 on the S&P BSE Sensex which translates into an upside of about 5 percent. Investors will be better off staying with stocks which can outperform markets by a wide margin.

“Well, our target is based on fiscal year ending (March). We have a base target of 33,000 for Sensex as on March 2018, which is a marginal return of 5% from the current level,” Vinod Nair, Head of Research, Geojit Financial Services told Moneycontrol.

“This target is based on one year forward P/E of 17.5x assuming that valuation will continue to be on the upper end led by earnings growth. We have a Sensex EPS CAGR of 15% for FY17-19,” he said.

Here is a list of top 10 stocks which investors can look at on dips for a minimum period of 12 months

Dr Reddy's Labs: BUY| Target Rs3280| Return 22%

CLSA maintains a buy rating on Dr Reddy’s Laboratories with a 12-month target price of Rs 3280. The Asia-focused broker said the company expects continued progress on regulatory compliance in FY18.

According to research house, the company can file & launch complex drugs in the US that can drive operating leverage. It has maintained its buy call on the stock, with a target price of Rs 3,280. It feels biosimilars will drive scale-up in emerging markets.

Shriram Transport Finance: BUY| Target Rs1159| Return 16%

Reliance Securities maintains a buy rating on Shriram Transport Finance (STFC) with a 12-month target price of Rs1,159. “We expect STFC’s operating environment would improve post completion of remonetisation process and implementation of BS-IV emission norms for vehicles and rollout of Goods & Services Tax (GST),” said the report.

Disbursements improved by 29.5 percent on a QoQ basis to Rs105.2bn in 4QFY17 as against Rs81.2bn in 3QFY17 primarily due to the revival of the demand post demonetisation.

Further, Government’s effort to revive growth in the infrastructure sector and rural economy in Budget 2017-18 augurs well for STFC. As overhang of demonetization is behind, we expect gradual improvement in performance over next few quarters and reiterate our BUY.

HDFC: BUY| Target Rs1786| Return 10%

Reliance Securities maintain a buy rating on HDFC with a target price of Rs1786. Over the last few years, HDFC Ltd has proven its competitive edge over its peers through decent growth in business, stable spreads, well-managed asset quality and better performance in other financial business subsidiaries.

“Visible sign of a pick-up in the demand for mortgage loan led by improving affordability, attractive incentive from PMAY scheme and introduction of RERA augur well for sustained growth in loan book for HDFC over next 3-5 years,” said the report.

The domestic brokerage firm expects further improvement in operating performance in coming quarters on the back of healthy net interest income (NII) growth and a listing of insurance arm.

Infosys: BUY| Target Rs1040| Return 10%

Reliance Securities maintains a buy rating on Infosys with a 12-month target price of Rs 1040. Infosys’ revenue rose by 0.7 percent QoQ in 4QFY17; a positive factor was the healthy 4.1 percent QoQ growth in the ECS vertical, with Communications & Services growing nearly 10 percent QoQ and accounting for nearly 10 percent of revenue, the highest proportion since 2QFY13.

“We expect automation benefits to start to reflect on margins. Reasonable valuation, a likely share buy-back, higher amount of cash return to shareholders and lowered street expectations provide a cushion,” said the report. The stock trades at a reasonable valuation of 13.4x FY19E EPS.

Maruti Suzuki India: BUY| Target Rs7900| Return 9%

Sharekhan maintains a buy rating on Maruti Suzuki with a target price of Rs7,900. Maruti Suzuki India Ltd (MSIL) has fast tracked production at the new Gujarat plant in wake of strong demand for the recent launches.

MSIL plans to produce 165,000-175,000 units in Gujarat in FY2018 as against earlier guidance of 125,000-130,000 units. Enhanced production at Gujarat will ease up the capacity constraints and enable MSIL to bring down the waiting periods on its models (Baleno, Brezza, Ertiga, Ignis and Dzire).

The domestic brokerage firm raised their FY2018 and FY2019 earnings estimates by 3 percent and 4 percent respectively given the increased production capacity.

Graphite India: BUY| Target 165| Return 15%

Centrum Broking Ltd initiated a coverage on Graphite India with a buy rating and a target price of Rs 165, as it sees earnings at an inflexion point with improved industry demand-supply outlook led by closures, consolidation and reduced Chinese exports of both steel & electrodes.

After several years of stagnation, Electric Arc Furnace (EAF) steel production is expected to grow at a CAGR of 4.6% during CY16-18E and drive incremental annual electrode demand of 60kt by CY18E.

“With recent commissioning of key technology up gradation projects providing an improved and flexible production base coupled with sharp improvement in gross profit/t, GIL is set to take a big leap in EBITDA/t over FY17-19E,” it said.

Manappuram Finance: BUY| Target Rs 113| Return 21%

HDFC Securities maintains a buy rating on Manappuram Finance (MFL) with a target price of Rs 113 and a time horizon of 2-3 quarters.

MFL has its re-aligned its gold loan portfolio and added shorter tenure loans of 3-6-9 months as compared to a single product offering of 12 months loan. It has also linked the product LTVs to the tenure of the loan thereby reducing its risk.

Earlier for a typical 12-month loan and LTV of 75 percent the total principal and interest at the end of the year was 93%. In the case of default, the company used to lose interest for 2 months during the auction period bringing the total cost to 96 percent.

The introduction of shorter duration of loans and linking the LTV to the tenure has resulted in a margin of safety for a 12-month loan increasing to 23 percent from 4 percent earlier.

Alkem Laboratories: BUY| Target Rs2161| Return 15%

Angel Broking maintains a buy rating on Alkem Laboratories with a target price of Rs 2161. Strong growth in domestic business due to its leadership in the acute therapeutic segment will help the company. Alkem expects to launch more products in the USA, which bodes for its international business.

Blue Star: BUY| Target Rs447| Return 7%

Angel Broking maintains a buy rating on Blue Star with a target price of Rs 447. Favourable outlook for the AC industry is likely to augur well for Cooling products business which is out pacing the market growth. EMPPAC division's profitability to improve once operating environment turns around.

Dewan Housing Finance: BUY| Target Rs520| Return 13%

Angel Broking maintains a buy rating on Dewan Housing Finance with a target price of Rs 520. The company’s focus on the low and medium income (LMI) consumer segment, the company has increased its presence in tier-II & III cities where the growth opportunity is immense.

Disclaimer: The views and investment tips expressed by investment experts on moneycontrol.com are their own, and not that of the website or its management. Moneycontrol.com advises users to check with certified experts before taking any investment decision.


From : Yatheendradas C.k. at 05:32 AM - Jun 22, 2017 ( )

Government on Wednesday allowed banks and
post offices to exchange old, big bank notes,
which are no longer in circulaon,
with the RBI in
a month, provided these notes were collected by
Dec 30, 2016, a finance ministry statement said.
banks have also been allowed to
exchange old currency notes with the RBI, if they
had collected these notes by Nov 14, the
statement said.

‐Business Line

RBI Governor Urjit Patel had argued for avoiding
premature policy acon
"high uncertainty"
on inflaon
outlook while vong
for status quo
on interest rates at the monetary policy review
earlier this month. It was for the first me
in its
five meengs
that one of the members of the
Monetary Policy Commiee
(MPC) differed from
the majority view on the policy rate. Patel, during
the MPC meeng
held on June 6‐7, also
underlined the need for resoluon
of stressed
assets of banks and mely
public sector lenders,as per the minutes of the
MPC meeng.

‐Business Standard

Axis Bank has signed an agreement for sale of
1,90,500 equity shares of face value Re 1 per
equity share of Mswipe Technologies Pvt Ltd at Rs
4,249 per share, resulng
in a total cash
of Rs 80.94 crore. This move comes
in the backdrop of the private sector bank reeling
under bad loans and there is pressure on the
provisioning front.

‐Business Line

The RBI has removed the restricon
on foreign
investment in IDFC Ltd aer
the shareholding of overseas investors fell below
the prescribed level.

‐Economic Times

Banks' credit growth grew at 6.02% to Rs
76,58,212 crore in the fortnight ended June 9
from Rs 72,22,939 crore in the same period of
fiscal 2016, according to the data released
by RBI. The growth in advances in the reporng
period was slightly higher than the previous
fortnight ended May 26, 2017, RBI data showed.

‐Economic Times

World Bank’s Board of Execuve
Directors has
approved a loan assistance of 44 million dollars
for the Assam State Public Finance Instuonal
Reforms (ASPIRe) Project. The loan was sancon
by World Bank (Internaonal
Bank for
and Development) in its meeng
held on June 15 at Washington DC, USA, an
official release said today.

‐Financial Express
The Karnataka Government today
announced crop loan waiver of up to Rs 50,000
per farmer that will cost Rs 8,165 crore to the
state exchequer. The move announced in the
Assembly will help about 22,27,506 farmers who
have obtained loans from cooperave

‐Economic Times

With Internet users embracing online shopping
and banking like never before in India, the
of digital technologies can substanally
improve customer‐level profitability and add to
the retail profit pool by $3‐3.5 billion by 2020,
according to the report prepared by
Facebook and The Boston Consulng
Group (BCG)

‐Economic Times

USD/INR 64.51
SENSEX 31283.64(‐13.89)
NIFTY50 9633.60 (‐19.90)

New Thread: Thoughts for the Day June 22nd, 2017

From : Yatheendradas C.k. at 05:17 AM - Jun 22, 2017 ( )

22nd June, 2017

Image result for power of prosperity quotes


From : Yatheendradas C.k. at 08:29 AM - Jun 21, 2017 ( )

Finance minister Arun Jaitley today
ruled out any waiver of farm loan
and said the centre will adhere to
its fiscal targets. The remark came
as Punjab became the third state
after UP and Maharashtra to
announce waiver of loans given to
farmers. Replying to questions from
reporters, Jaitley said the Centre
Govt is not considering any such


The RBI and the Finance Ministry on
Monday apprised the Prime
Minister's Office on the NPA
resolution progress. According to
sources, RBI Deputy Governor Viral
Acharya indicated that a broad
timeframe is needed to deal with
NPA cases.


Canara Bank has decided to sell
nearly 9% stake in the credit
ratings firm CARE Ltd that could
fetch it over Rs393 crore. Inviting
bids from merchant bankers, Canara
Bank, in the bid document said:
“Our bank is proposing to sell
26,22,430 equity share of Credit
Analysis and Research Ltd (CARE
Ltd) comprising of 8.90% of the
total paid up equity share capital of
the company with a floor price of Rs
1,500 per share.
” The floor price is
at a premium over CARE Ltd’s
current stock price on BSE. The
minimum lot size of the bid is one
lakh shares, the bank said, asking
the arrangers to submit the same by
noon of June 23


Uco Bank may require Rs
3,000-4,300 crore of tier 1 capital in
the FY2018 and FY2019 to cover the
losses for the last two years, rating
co ICRA said, after downgrading the
bank's bond programmes. The
rating firm dowgraded Uco's Rs 800
crore lower tier II bonds to "A+"
from "AA-
" and Rs 500 crore upper
tier II bonds to "A-
" from "A"
-Economic Times

Personal transfers by Indians living
overseas, including remittances by
migrant workers to their families in
India, have declined for the second
consecutive year in 2016-17, RBI
data show. The transfers have fallen
below the $60 billion level for the
first time since 2010-11, even
though, according to estimates,
India remains the top recipient of

-Business Line

HDFC Ltd will raise Rs 775 crore by
issuing bonds on private placement
basis as part of arranging long term
capital. The object of the issue is to
augment long term resources of the
Corporation, HDFC said in a
regulatory filing today.


Paytm, which received payment
banks licence from the RBI in 2015,
has applied for a licence to set up a
money-market mutual fund (an
open-ended mutual fund) that
invests in treasury bills and
commercial papers for a short term


Messaging app Hike has added
payments feature allowing its users
to transfer money as well as pay
mobile phone bills, in an effort to
cash in on the growing digital
transactions in India. Hike is the
first messaging platform in the
country to have an integrated


Asian Development Bank will
provide $275 million loan for a
piped water supply project for
rapidly urbanising small towns,
covering 3 lakh households, in
Madhya Pradesh. The State
Government will provide a $124
million counterpart support for the
project which is estimated to be
completed by June 2022, ADB said.

-The Statesman

Inter-ministerial consultations on
the future course of action for Air
India have been completed and the
Cabinet with would decide on how
best to move forward, Union
minister Jayant Sinha said today.

-Economic Times

USD/INR 64.49
SENSEX 31297.53(-14.04)
NIFTY50 9653.50 (-4.05)

New Thread: And God Looked Down

From : Yatheendradas C.k. at 05:38 AM - Jun 21, 2017 ( )

And God Looked Down..........

Live well, love much, laugh often - Be happy and enjoy doing whatever your heart desires - because you live on this crazy planet only once......
And the God Looked Down:
Most seniors never get enough exercise. In His wisdom God decreed that seniors become forgetful so they would have to search for their glasses, keys and other things thus doing more walking. 
And God looked down and saw that it was good....

Then God saw there was another need. In His wisdom He made seniors lose coordination so they would drop things requiring them to bend, reach stretch.
And God looked down and saw that it was good.....

Then God considered the function of bladders and decided seniors would have additional calls of nature requiring more trips to the bathroom, thus providing more exercise.
God looked down and saw that it was good....

So if you find as you age, you are getting up and down more, remember its God’s will.
"Read something no one else is reading, think something no one else is thinking, and do something no one else is doing"
"To fight the darkness do not draw your sword, light a candle"
"You can't climb the ladder of success with your hands in your pockets"
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New Thread: Thought Provoker:The Future beyond Death Garuda Purana

From : Yatheendradas C.k. at 05:30 AM - Jun 21, 2017 ( )

Thought Provoker: : The Future beyond Death... Garuda Purana

*What Happens After Death ??*

What is death ?
Is there life after death ?
Is death painful?
What happens after death ?
How does rebirth happen ?
Where do we go after death ?
These kind of questions related to the most feared event that ends our life always fill our mind, especially when any of our near or dear ones die.
We feel that suddenly the relationship has broken abruptly n wish there could be a connection again. In this quest, our journey to find answers to the above questions begin ...
*So, what happens after death ?*
Death is actually a very interesting process !!
*Disconnection of the earth sole chakras*
Approximately 4-5 hours before death, the earth sole chakras situated below the feet gets detached ... symbolizing disconnection from the earth plane !!
A few hours before an individual dies, their feet turn cold. When the actual time to depart arrives, its said that Yama, the God of death appears to guide the soul.
*The Astral Cord*
Death severs the astral cord, which is the connection of the soul to the body. Once this cord is cut the soul becomes free of the body n moves up n out of the body.
If the soul is attached to the physical body it occupied for this lifetime, it refuses to leave n tries to get into the body n move it n stay in it. We may observe this as a very subtle or slight movement of the face, hand or leg after the person has died.
The soul is unable to accept that it is dead. There is still a feeling of being alive. Since the astral cord has been severed, the soul cannot stay here n is pushed upwards n out of the body. There is a pull from above ... a magnetic pull to go up.
*End of the physical body*
At this stage the soul hears many voices, all at the dame time. These are the thoughts of all the individuals present in the room.
The soul on its part talks to his loved ones like he always did n shouts out "I am not dead" !!
but alas, nobody hears him.
Slowly n steadily the soul realizes that it is dead n there is no way back n at this stage, the soul is floating at approx 12 feet or at the height of the ceiling, seeing n hearing everything happening around.
Generally the soul floats around the body till it is cremated.
So, the next time if you see a body being carried for cremation, be informed that the soul is also part of the procession seeing, hearing n witnessing everything n everyone.
*Detachment from the body*
Once the cremation is complete, the soul is convinced that  the main essence of its survival on earth is lost n the body it occupied for so many years has merged into the five elements.
The soul experiences complete freedom, the boundaries it had while being in the body are gone n it can travel anywhere by mere thought.
For 7 days the soul, moves about its places of interest like its favorite joint, morning walk garden, office, etc..If the soul is possessive of his money, it will just stay near his cupboard, or if he is possessive of his children, it will just be in their room, clinging on to them.
By the end of the 7th day, the soul says bye to his family n moves further upwards to the periphery of the earth plane to cross over to the other side.
*The Tunnel*
Its said that there is a big tunnel here which it has to cross before reaching the astral plane. Hence its said that the first 12 days after death are extremely crucial.
*we have to carry out the rituals correctly n pray n ask forgiveness from the soul* so that it does not carry negative emotions like hurt, hatred, anger, etc atleast from the near n dear ones.
All the rituals, prayers n positive energy act like food for the soul which will help it in its onward journey. At the end of the tunnel is a huge bright light signifying the entry into the astral world.
*Meeting the Ancestors*
On the 11th n 12th day Hindus conduct homas n prayers n rituals through which the soul is united with its ancestors, close friends, relatives n the guides.
All the passed away ancestors welcome the soul to the upper plane n they greet n hug them exactly like we do here on seeing our family members after a long time.
The soul then along with its guides are taken for a thorough life review of the life just completed on earth in the presence of the *Great Karmic Board.* It is here in the pure light that the whole past life is viewed !!
*Life Review*
There is no judge, there is no God here. The soul judges himself, the way he judged others in his lifetime. He asks for revenge for people who troubled him in that life, he experiences  guilt for all wrongdoings he did to people n asks for self punishment to learn that lesson. Since the soul is not bound by the body n the ego, the final judgment becomes the basis of the next lifetime.
Based on this, a complete life structure is created by the soul himself, called the blue print. All the incidents to be faced, all problems to be faced, all challenges to be overcome are written in this agreement.
In fact the soul chooses all the minute details like age, person n circumstances for all incidents to be experienced.
Example : An individual had severe headache in his present birth, nothing helped him, no medicines, no way out. In a session of past life regression, he saw himself killing his neighbour in a previous birth by smashing his head with a huge stone.
In the life review, when he saw this he became very guilty n asked for the same pain to be experienced by him by way of a never ending headache in this life.
*Blue print*
This is the way we judge ourselves n in guilt ask for punishment. The amount of guilt in the soul decides the severity of the punishment n level of suffering. Hence forgiveness is very vital. We must forgive n seek forgiveness !!
Clear your thoughts n emotions, as we carry them forward to the other side too. Once this review is done n our blue print for the next life is formed, then there is a cooling period.
*The re-birth*
We are born depending on what we have asked for in the agreement. The cooling off period also depends on our urgency to evolve.
We choose our parents n enter the mothers womb either at the time of egg formation or during the 4-5th month or sometimes even at the last moment just before birth.
The universe is so perfect ,so beautifully designed that the time n place of birth constitutes our horoscope, which actually is a blue print of this life. Most of us think that our stars are bad n we are unlucky but in actuality, they just mirror your agreement.
Once we are reborn, for around 40 days the baby remembers its past life n laughs n cries by itself without anyone forcing it to. The memory of the past life is completely cut after this n we experience life as though we did not exist in the past.
*The agreement starts..*
Its here that we are completely in the earth plane n the contract comes into full effect. We then blame God/ people for our difficult situations n curse God for giving us such a difficult life ...
So, the next time before pointing to the Divine, understand that our circumstances are just helping us complete n honor our agreement, which is fully n completely written by us. Whatever we have asked for n pre decided is exactly what we receive !!
Friends, relatives, foes, parents, spouses all have been selected by us in the blue print n come in our lives based on this agreement. They are just playing their parts n are merely actors in this film written, produced n directed by us !!
*Do the Dead need healing / prayers / protection ?*
The dead always need serious healing n prayers for a variety of reasons, the most important one being ... To be free n not earthbound !! ... that is stuck in the earth plane n unable to leave.
There are many reasons for the soul to be earthbound like unfinished business, excessive grief, trauma on death, sudden death, fear of moving on to the astral plane, guilt, one of the most important being improper finishing of last rites n rituals.
The soul feels it needs a little more time to wait n finish before moving on.  This keeps them hovering on the earth plane. But the time is limited n it is very very important that they cross over within 12 days to their astral plane of existence, as the entry to the astral world closes a few days after this.
Earthbound spirits lead a very miserable existence as they are neither in their actual plane nor in a body to lead an earthly life. They may not be negative or harmful but they are stuck n miserable. Hence healing n prayers are of utmost importance during this period so that the departed soul crosses over to the designated astral plane peacefully.
Prayers by the whole family is very vital to help the dead cross over. The protection of the soul to help it reach its destination in the astral world is achieved through prayers.
Please Do Not Take Death Lightly ... Now more than ever most souls are stuck on the earth plane due to lack of belief and family neglect.
Finally, for someone who has lost a near and dear one, don’t feel sad ... We never die, we live on, death does not end anything, it is just a little break before we meet again !!
This article has been extracted from ...The Garuda
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New Thread: thoughts for the Day June 21st, 2017

From : Yatheendradas C.k. at 05:22 AM - Jun 21, 2017 ( )

21st June, 2017

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