How to Get Loans Easily From Banks Explains Sachin Karpe

Getting a bank loan approved is not the easiest process. In light of recent economic troubles across the nation, lenders are looking for a lot more in a loan applicant. While there are several key areas lenders will be focusing on, it is important that you are ready to present the perfect, complete package for review if you hope to get approved says Sachin Karpe. Before heading to your bank, check out loan packages online and see what competitors are offering. You need to be aware of what kind of loan you are looking for, the terms you can reasonably afford, and your goal for paying off the loan as fast as possible. If you are pursuing a loan, you should already be aware of your credit history and current score. The bank should tell you the range of credit scores required for loan approval. Again, applying for a loan when you’re in a hurry is never a good idea. Loan officers have a certain protocol for approving a loan and getting you the money. During the process, make sure to discuss the sequence of events so you’ll have an idea of when to expect an answer.

Effective Tips on Marketing by Sachin Karpe

Often people starting a creative business feel they ought to write a business plan. Sachin Karpe, an advisor to creative people and businesses, has some advice to develop a market research strategy more easily. Market research should be a high priority – finding out not just what your customers want, but what they will actually buy.The true measure of the combination of a great product and thorough market research is that customers start to buy during the process of the research itself. Target carefully. Aim for laser-precision marketing. Take time to find out what it is about your values that people really like. What do your customers enjoy about what you do and how you do it? Allow some ways for people to discover, taste and try your products or services. Then gather feedback.

What Are the Best Investment Options in India? Explained by Sachin Karpe

To figure out the best investment options analyzing the technicalities of the Indian market is a tough job. Here are some 10 best investment options for 2014 & you can choose the one that serves your purpose. Fixed deposit in banks form a major vote in terms of the safest investment in India says Sachin Karpe. The most important reason for this is its ability to provide reasonable returns & the money invested is locked in safely. Insurance policies range from a variety of types & provide different types of coverage. Insurance policies like LIC, Home insurance, car insurance & Health insurance are few examples of such type of investment options. Public Provident Fund (PPF) is also a good option to invest money securely for future periods as it gives high rate of returns mainly for people who are under 30% tax brackets. 

Banks and Cap Goods Gain as Markets Look Better After Interim Budget

The strong opening for the Indian equities seemed more like a relief that marketmen breathed after the insipid and uneventful vote-on-account was passed in the previous session. Fears related to any populist measures that could weaken the condition of the country’s Balance Sheet were finally put to rest and it was once again, business as usual. Not surprising then that pockets that were oversold in the last few sessions, such as BANKS and CAP GOODS suddenly found life, mostly on account of short covering and triggered by some very strong numbers announced as part of the last quarter earnings by Cap Goods major ABB. The other players in the segment, LT, SIEMENS, CROMPGREAVES too saw a strong pullback of sorts while the move in banks was led by the pvt sector brigade comprising of ICICIBANK, AXISBK, HDFCBk & KOTAKBANK.

While the market did muster up the strength to test the 6100 mark decisively, it would be a tough task for it to cross into the late 6100s and any rally that takes NIFTY closer to 6200 would be a sound opportunity to sell into!

Firm Markets, After US Markets Show Strength

Markets opened firm, given the strength from the US markets and the rebound of sorts in the rest of the Asian markets as well. Domestic cues continue to be predicated around the earnings announcements and its turn of the smaller co’s to share their numbers with the street. Till now, there have been no howlers and its quite likely this earnings season too will end up proving to be less disappointing than what most people made it look like! Data from Europe on steel sales by Arcelor Mittal has buoyed the mood locally for TATASTEEL’s performance going forward and the stock has been a key gainer on the indices, in anticipation of some favourable announcements on Tuesday next week.

How to Manage Financial Risk in Your Marketing Plans?

Marketing plans are integral to any business, especially if it is a of B-to-C or Business to consumer model. This typically would be products that involve consumers as the final end users therefore, they need to be informed by the product. The entire process then follows is the marketing which is in the form of advertisements, social media promotions, on ground activities, sampling etc. Sachin Karpe will guide on managing financial risks in marketing plans.

Any kind of marketing plan needs a budget to take it ahead. The most challenging part is the lack of measurement of Return on Investments (in this case the marketing spend). Not all media of marketing has a mechanism to measure the outcome. The only way remains the increase/decrease or leads for a particular product. This may be seen as a financial risk by many in a business. But, as a businessman, one needs to understand that it is not important to monetize everything in business. There are ancillary activities like marketing, admin and HR, to name a few, that help keeping the business afloat. The best way to, however, avoid any financial risk in a business is to not allocate more than a specific percent of annual profit for marketing. It must be understood that whatever is spent, does eventually come back in terms of brand recall and visibility which later converts into buying, explains Sachin Karpe.