NEWS & BLOGS EXCLUCIVELY FOR INFORMATION TO ENGINEERS & VALUERS COMMUNITY
Saturday Brain Storming Thought (216) 30/03/2024 PROVISIONING COVERAGE RATIO (PCR) A Provisioning Coverage Ratio (PCR) is the percentage of funds that a bank sets aside for losses due to bad debts A high PCR can be beneficial to banks to buffer themselves against losses if the NPAs start increasing faster PCR Formula PCR = (Total provisions […]
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Saturday Brain Storming Thought (215) 23/03/2024 MONETARY VALUE Monetary Value is the value of something measured in currency Almost everything relevant to the modern economy can be measured by its monetary value The price or monetary value of something is determined in the market place and is based upon the law of supply and demand
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Saturday Brain Storming Thought (214) 16/03/2024 PRODUCT VALUE Product Value is the benefit that a customer gets by using a product to satisfy their needs, minus associated costs Product Value is a measure of a products ability to meet and address customers needs Value of a product to customers can inform a products development roadmap
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Saturday Brain Storming Thought (114) 22/05/2021 COMPILED BY ER AVINASH KULKARNI LIMITATIONS, CAVEATS & DISCLAIMERS IN THE VALUATION REPORT A disclaimer is required in a valuation report to mitigate the potential risk of Registered Valuer Anyone who reads the disclaimers should understand the risks involved in using the valuation report or acting upon the information
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Saturday Brain Storming Thought (213) 09/03/2024 SINKING FUND CALCULATION Sinking Fund is a fund formed by periodically setting aside money for the gradual repayment of a debt or replacement of a wasting asset Model Bye-Laws of Cooperative Housing Society – Bye-Law No 13(C) – Creation of a sinking fund The Sinking Fund at the rate
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Saturday Brain Storming Thought (212) 02/03/2024 RELATIVE VALUE Relative Value is a measure that compares the price, worth or value of one asset to another asset In marketing, relative value is used to compare the value of one product or service to its competitors Key Takeaways of Relative Value 1) Relative Value looks of an
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Saturday Brain Storming Thought (211) 24/02/2024 DEBT RECOVERY AGENT Debt Recovery Agent is the person who is appointed by banks and lawful debt collection agencies to act as their agents Debt Recovery Agent are people who pursue the debt owned by customers and businesses for banks or financial institutions Most of these Recovery Agents acts
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Saturday Brain Storming Thought (210) 17/02/2024 ELECTORAL BONDS Electoral Bonds are instruments/securities that are used to donate funds to political parties Key Features of Electoral Bonds 1) Electoral Bonds may be purchased by a person who is a citizen of India or incorporated or established in India 2) A person being an individual can buy
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Saturday Brain Storming Thought (209) 10/02/2024 PRE-APPROVED BUSINESS LOAN (PABL) Pre Approved Business Loans (PABL) are like regular loans, with the exception that you do not have to go through a regular application process to get them Instead, it is the other way around – the lender is making you an offer Pre Loan Approval
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Saturday Brain Storming Thought (208) 03/02/2024 DIVIDEND YIELD Dividend Yield is a securities annual dividend payment expressed as a percentage of its current price. Dividend Yield is a ratio that shows how much income you earn in dividend payouts per year for every rupee invested in a stock, mutual fund or an exchange-traded fund Key
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Saturday Brain Storming Thought (207) 27/01/2024 DISCOUNTS FOR LACK OF CONTROL (DLOC) A discount for lack of control (DLOM) is a sum or percentage subtracted from the subject pro-rata share value of a 100 % equity stake to compensate for the lack of any or call rights conferred by a control position in the subject
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Saturday Brain Storming Thought (206) 20/01/2024 DISCOUNTS FOR LACK OF MARKETABILITY (DLOM) A discount for the lack of Marketability is the implicit cost of quickly monetizing a non-marketable asset at its current value. These discounts are used in many venues to determine the fair market value of a non-marketable such as a privately held business.
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