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Naresh Goyal
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  • New Delhi
  • India
  • Senior Management
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Naresh Goyal's Discussions

AVERAGE MATURITY CALCULATION FOR LOAN

Sacha, my point is that the foreign lender would do a detailed appraisal and also be comitting a loan to the borrower. This loan would be drawn only after a period (after getting LRN from RBI), hence…

Replied Aug 30

AVERAGE MATURITY CALCULATION FOR LOAN

Thanks once again Sacha. May I request one more clarification: RBI circular on ECB says that the all incost ceiling (L+300 for avg maturity between 3 - 5 years) includes all foreign currency costs…

Replied Aug 30

AVERAGE MATURITY CALCULATION FOR LOAN

Sacha, Just to confirm my calculations. Loan with moratorium of 1 year and repayable in 4 years after moratorium in half yearly installments. what is the avergae maturity period? My calculation give…

Replied Aug 30

Difference between Unsecured Bonds & Unsecured Non Convertible Debentures
1 Reply

Both the terms - Bonds and Debentures have been used interchangebly to express debt instruments yet I could find somewhere that there are some minute differences. Interestingly somewhere I found that…

Started this discussion. Last reply by Vitun Sharma Jul 5.

 

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Latest Activity

Naresh Goyal replied to AMIT KUMAR's discussion 'AVERAGE MATURITY CALCULATION FOR LOAN'
Sacha, my point is that the foreign lender would do a detailed appraisal and also be comitting a loan to the borrower. This loan would be drawn only after a period (after getting LRN from RBI), hence the Lender is taking risk here also (in between a…
on Monday
Naresh Goyal replied to AMIT KUMAR's discussion 'AVERAGE MATURITY CALCULATION FOR LOAN'
Thanks once again Sacha. May I request one more clarification: RBI circular on ECB says that the all incost ceiling (L+300 for avg maturity between 3 - 5 years) includes all foreign currency costs expect commitment fee and prepayment fee. Can the…
on Monday
Naresh Goyal replied to AMIT KUMAR's discussion 'AVERAGE MATURITY CALCULATION FOR LOAN'
Sacha, Just to confirm my calculations. Loan with moratorium of 1 year and repayable in 4 years after moratorium in half yearly installments. what is the avergae maturity period? My calculation gives 39 months. am I right. Rgds Naresh
on Monday
Vitun Sharma replied to Naresh Goyal's discussion 'Difference between Unsecured Bonds & Unsecured Non Convertible Debentures'
Hello unsecured bond - the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future Unsecured Non Convertible Debentures - Please refer to Section 292 of the Comapnies Act, 1956 a…
July 5
Naresh Goyal added a discussion
Difference between Unsecured Bonds & Unsecured Non Convertible Debentures
Both the terms - Bonds and Debentures have been used interchangebly to express debt instruments yet I could find somewhere that there are some minute differences. Interestingly somewhere I found that the difference lies in the Stamp Duty on issuance…
July 1
Naresh Goyal added a discussion
Upgradation of Representative office to a branch office - Tax credits
Usually the business lossess can be carried forward up to 8 years and depreciation can be carried forward indefinetely for the purpose of taking tax credits when the company returns to profits. Can a Representative office / liaison office on its co…
April 1
Naresh Goyal replied to Naresh Goyal's discussion '"Killing" made by Banks using risk free money market arbritage opportunities'
It is Government Stock or T-Bills, the same as it accepts in Repo.
March 9
Neha Bhandari replied to Naresh Goyal's discussion '"Killing" made by Banks using risk free money market arbritage opportunities'
In your Pt # 3, can u please highlight what securities does RBI give to investors as collateral ??
March 9
Sachidanand (Sacha) Singh replied to Naresh Goyal's discussion '"Killing" made by Banks using risk free money market arbritage opportunities'
You would find at RBI web site - Database on Indian Economy under the tag Database
February 16
Anup replied to Naresh Goyal's discussion '"Killing" made by Banks using risk free money market arbritage opportunities'
could you please tell where did you get this data from? As i'm doing some research on inflation vis a vis RBI Monetary policy, but not getting data on daily basis. If you can please send me data which you have and also the site where you get the dat…
February 16
Naresh Goyal replied to Manish Saxena's discussion 'Equity Diversified Mutual Fund'
Hi Manish My suggestion is that do not put all your investible money in lump sum in equity funds. Rather choose the SIP route or put all lump sum money in a liquid / money market fund and using SWP switch small amount regularly to equity funds. Sec…
January 13
Naresh Goyal replied to Syed Usman's discussion 'Cash Flow'
Servicing debt affects the working capital available and is an obligation but paying out dividend is only after profits have been arrived at and is not an obligation. Hence the former is classified as Cash Flow: Operating activities and the later as…
January 10
Naresh Goyal replied to Hemal P Patel's discussion 'How should a bank price its CD rates to maintain a specific CD portfolio'
Attached pl. find the revised calc. as per your inputs. The NSDL ISIN fee is Rs 10,000 for 5 CD issues in a year and hence I have not taken this cost into account. I have taken the maturity amount of CD as INR 1 lakh as this is the minimum lot in wh…
January 8
Naresh Goyal replied to Hemal P Patel's discussion 'How should a bank price its CD rates to maintain a specific CD portfolio'
thanx a ton Sacha, for your valuable inputs. I shall try & incorporate all inputs to present a revised model shortly. Naresh
January 8
Naresh Goyal replied to Hemal P Patel's discussion 'How should a bank price its CD rates to maintain a specific CD portfolio'
Thanx Venkat for your response. I also wonder as to why the Banks raise funds thru CD issuance even when the credit growth/demand is very low. Currently, in India, the credit growth is close to just 10% and such low credit growth can be met thru gr…
January 7
Naresh Goyal replied to Hemal P Patel's discussion 'How should a bank price its CD rates to maintain a specific CD portfolio'
Uploading .xls file. Sacha your comments & suggestions are very important for me to modify / update it. rgds Naresh
January 7

Profile Information

Profession:
Banker
Current Role:
Senior Management
Past Experience:
14 years
Education:
Engineer / MBA
Current Location:
Delhi
Interested In:
career opportunities, consulting offers, getting back in touch

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