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Latest posts, stock views and market insights from Priyank Sharma on StockGro.
SEBI-Registered Research Analyst · INH000017268 · View advisor profile
What are retained earnings?
Retained earnings are the accumulated portion of a company’s net profit that is kept within the business instead of being distributed to shareholders as dividends. These earnings are reinvested to support various activities such as business…
What is leverage in finance?
Leverage in finance refers to the use of borrowed funds or debt to increase a company’s investment capacity and potential returns. Businesses use leverage to fund growth, acquire assets, or expand operations without relying solely on equity…
What is EBITDA?
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a financial metric used to evaluate a company’s operating performance without considering the impact of financing decisions, accounting policies, or ta…
What is debt-equity ratio?
Debt-equity ratio is a financial metric that measures a company’s financial leverage by comparing its total debt to shareholders' equity. It indicates how much debt a firm uses to finance its assets relative to equity funding. A high ratio…
What is capital structure?
Capital structure refers to the way a company finances its overall operations and growth by using different sources of funds. It is the combination of debt and equity that a firm uses to meet its financing needs. Debt includes loans, bonds,…
What is retirement planning?
Retirement planning is the process of setting financial goals and creating strategies to ensure a steady income after you stop working. It involves estimating future expenses, identifying sources of income such as pensions, savings, investm…
How can you save tax under Section 80C?
Section 80C of the Income Tax Act allows individuals and Hindu Undivided Families (HUFs) to claim deductions on certain investments and expenses, thereby reducing their taxable income. The maximum limit for deduction under this section is ₹…
What is the Public Provident Fund (PPF)?
The Public Provident Fund, commonly known as PPF, is a government-backed long-term savings and investment scheme in India. It was introduced to encourage small savings by offering safe returns and tax benefits. Any resident individual can o…
What is a term insurance policy?
A term insurance policy is a type of life insurance plan that provides financial protection for a specified period, known as the policy term. In this plan, the insured person pays a fixed premium regularly, and if the person dies during the…
What is an emergency fund?
An emergency fund is a dedicated amount of money set aside to cover unexpected financial situations such as medical bills, car repairs, job loss, or urgent home expenses. It acts as a financial safety net, ensuring that an individual does n…
What is the difference between a credit card and a debit card?
A credit card and a debit card may look similar, but they work very differently. A debit card is linked directly to a bank account, and when used for purchases, the money is immediately deducted from the user’s available balance. It helps p…
What is financial planning?
Financial planning is the process of managing personal finances in a structured way to achieve both short-term and long-term goals. It involves evaluating income, expenses, savings, investments, and liabilities to make informed financial de…
What is the 50-30-20 budgeting rule?
The 50-30-20 budgeting rule is a simple financial guideline for managing personal income. It suggests dividing after-tax earnings into three categories: 50 percent for needs, 30 percent for wants, and 20 percent for savings or debt repaymen…
How does compound interest work?
Compound interest is the process where interest is earned not only on the initial principal but also on the accumulated interest from previous periods. This creates a snowball effect where money grows faster over time compared to simple int…
What is a credit score, and why is it important?
A credit score is a numerical representation of a person’s creditworthiness, typically ranging from 300 to 850. It is calculated using information from credit reports, such as payment history, outstanding debt, length of credit history, typ…
What is SIP in mutual funds?
Systematic Investment Plan, commonly known as SIP, is a method of investing in mutual funds where investors contribute a fixed amount at regular intervals, usually monthly or quarterly. Instead of investing a lump sum, SIP allows individual…
What is a bull market vs bear market?
A bull market is a phase in financial markets where stock prices or asset values rise consistently over a prolonged period, often fueled by strong economic growth, high investor confidence, and increased demand for securities. In a bull mar…
What is insider trading?
Insider trading refers to the buying or selling of a company’s shares or other securities by individuals who have access to confidential, non-public information about the company. This information could include upcoming mergers, financial r…
What is a stock exchange?
A stock exchange is a regulated marketplace where buyers and sellers trade financial securities such as stocks, bonds, and derivatives. It provides a structured platform ensuring transparency, liquidity, and fair pricing for investors. Comp…
What are derivatives?
Derivatives are financial contracts whose value is derived from the performance of an underlying asset, index, or interest rate. Common underlying assets include stocks, bonds, commodities, currencies, or market indices. The main types of d…
