🚂 Current Fix Deposit Rates 🌞 SBI - General Citizen 3% to 7.10% Senior Citizen - 3.60% to 7.60% 🌞 HDFC - General - 3.00% to 7.25% Senior Citizen - 3.50% to 7.75% 🌞 ICICI - General - 3% to 7.10% Senior Citizen - 3.50% to 7.60% 🌞 PNB - General - 3.50% to 7.25% Senior Citizen - 4% to 7.75% 🌞 Kotak Mahindra - General - 2.75% to 7.20% Senior Citizen - 3.25% to 7.70% 🌞 Axis - General - 3.50% to 7.10% Senior Citizen - 3.50% to 7.85% 🌞 Bank of Baroda - General - 3% to 7.25% Senior Citizen - 3.50% to 7.55% 🚂 Current Recurring Deposit Rates 🌞 SBI - General 4.40% to 5.50% Senior Citizen 4.90% to 6.20% 🌞 ICICI - General 3.50% to 5.50% Senior Citizen 4% to 6.30% 🌞 HDFC - General 4.40% to 5.50% Senior Citizen 4.90% to 6.25% 🌞 KOTAK - General 4.30% to 5.20% Senior Citizen 4.80% to 5.70% 🌞 AXIS - General 4.40% to 5.75% Senior Citizen 4.65% to 6.50% 🌞 IDBI - General 7% to 7.15% Senior Citizen 7.50% to 7.65% ☁️ National Pension Scheme - 9% to 12% pa ☁️ Employees Provident Fund - 8.15% pa ☁️ Public Provident Fund - 7.1% pa Initial Public Offering (IPO)

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Initial Public Offering (IPO)

 

Initial Public Offering (IPO) is the process to launch company stock in form of shares in the Stock market, IPO is open for all institutional and individual investors; anyone can participate in trading shares for particular company.  Normally the duration is IPO 3 days to 10 days.  Individual can trade or buy the issue before its closing date.  IPO is the first issue of the company launch to list the name of the company in the stock market and also to raise funds by issuing a part of shares.  IPO is open in lot based for example investors can buy a lot of 100 shares or multiple lot of 100 shares in a particular rate fixed by the company.  After launching the IPO the particular company shares are easily or freely traded in the public stock exchange.  By launching IPO company can benefited by enable cheaper access to capital and expand their business.  Individual can also make profit by investing in IPO, sometimes institutional and individual investors can hold to avail maximum profit.  Most of the IPOs launches in underprice to generate additional interest in a public stock exchange and will open it in a good price so that investor also earns sizable profit from it.  Investing in IPO is beneficial but sometimes it carries risk also, since the value of stock is highly volatile at the beginning stages in trade.  It is important to an investors wisely invest by doing research on the particular stock and risk tolerance before investing.  IPOs are frequently seen as a way to significant capital to fund growth, repay their debt or provide liquidity to their existing shareholders or investors. 

Investing Benefits: 

An investors can always gain by investing in an IPOs.  Since company offers discounting and reasonable price for their shares at the time of launching.

 

·       Growth:  Due to the expansion most of the companies launch IPO, in such company you have the opportunity to invest before the company growth and expansion and if the company growth or raise and it’s share prices increases, investors can get benefit of their capital appreciation.

 

·       Initial Entry: IPOs give the opportunity of initial entry to the investors; it gives the higher returns as compare to buy shares of already established company.

 

·   Diversification: Investment in IPO you to diversify an individual investment portfolio, investing in new company can spread your risk of existing portfolio and enhance the performance. 

Risk Factor: 

Investing in IPOs require  research and carefully consideration of a company history, their debts and liability, more debt can be obstacles in companies expansion and its effect will show on the value of shares, quite possible at the time of IPO open its value of shares low as compared what individual invested. 

How To Invest:

 

·       Demat Account :  An individual need demat account in bank to store the shares.

·       Trading Account:  Investors must have trading account to trade online.

·     Bank Account:  Investing in IPOs require a bank account.  If the lot is accepted by the issuer, the payment will be debited directly from your bank account.


Note:  For current and upcoming IPOs, go to information and news option in main menu.

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