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Showing posts from October, 2024

Gold vs Digital Gold: Is Investing ₹100 Safe for Students in 2026?

For decades, the Indian middle class has viewed gold as the ultimate "Suraksha Kavach" (safety shield). But for a Gen-Z student in 2025, the traditional "Sunar" (jeweler) model is increasingly inaccessible. With 24K gold prices breaching the ₹75,000–₹80,000 mark per 10 grams, the barrier to entry has moved from "difficult" to "near-impossible" on a student budget. This is why Digital Gold investment for students has evolved from a fintech trend into a core financial strategy. Digital Gold vs Physical Gold: Breaking the ₹100 entry barrier. In this deep analysis, we peel back the layers of the digital gold ecosystem. We don't just ask if it's easy; we analyze the trustee structures, the "buy-sell spread" math, and the regulatory gray areas that every young investor must understand. This article is ...
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Measuring Business’ Profitability Without Seeing Net Profit | EBIT and EBITDA

Measuring Business’ Profitability Without Seeing Net Profit Earnings before interest, taxes, depreciation and amortization (EBITDA) and earnings before interest and taxes (EBIT) . EBIT , EBITDA, and operating profit are forms of profit showing the core performance of a company before considering interest, taxes, and writing off depreciation and amortization ( in the case of EBITDA ). [Image of EBIT vs EBITDA calculation formula infographic] Where is it shown? There are 3 financial statements: Profit & Loss Statement Balance Sheet Cash Flow Statement It is shown in the Profit & Loss Statement. Calculation Example REVENUE RS. 20,000,000 COST OF GOODS SOLD RS 4,000,000 GROSS PROFIT RS 16,000,000 MARKETING RS 2,000,000 ...
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Securing Your Wealth: Understanding Sovereign Gold Bonds (SGBs) Benefits

Securing Your Wealth: Understanding Sovereign Gold Bonds (SGBs) Benefits Sovereign Gold Bonds (SGBs) is a government-backed security which was launched in November 2015 by the Indian government under the gold monetization scheme . The government issues sovereign gold bonds twice a year at the current price of 24 karat gold to collect money for the capital expenditure required for the development and growth of the nation. All About The Returns Of Sovereign Gold Bonds (SGBs) *The value of the SGBs fluctuates with fluctuation in the world gold price and can be redeemed at that price after the lock-in period. *The government gives 2.5% p.a interest on the principal amount invested in sub twice a year. *As per Livemint , Average returns yielded by SGB over 8 years has been 13.7%p. a comprising the 2.5 interest given by the government. Advantages Of Sovereign Gold Bonds (SGBs) 1) No design and making charges which is usually in the case of investing in physical gold. 2) No Impurities ...
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