Category Archive : Personal Finance

Sip Calculator

Investments are getting common in the present time and more and more people do invest in mutual funds and more. It is a good practice to do investment but what if you find it challenging to calculate your sip? Here a sip calculator can be really helpful for you.

A sip type of calculator is an online calculation tool that aids you in finding out the corpus that you can create through your sip investments. A sip calculator works simply using the below given inputs:

  • Sip amount
  • Investment regularity
  • Investment tenure
  • Expected rate of return
  • Input these four important aspects, and you get the estimated returns right away!

Perks of using a calculator for your sips 

There are many different benefits that you get when you use a sip type of calculator and a few of them are as under:

Accuracy is promised 

It is going to be absolutely accurate. Yes, you would get an accurate estimate of the corpus as there is barely any margin of error with sip type of calculators. It helps you to extrapolate data for a longer period while keeping the base returns somewhat the same.

Absolutely quick 

It is going to be absolutely quick for sure. Sip return calculators get you instant results. You don’t really need to wait to check the corpus calculation. Just hit or tap calculate, and you would get the answer in simply a split-second.

Free for your use 

It is going to be absolutely free. Sip type of calculators are completely free of cost for you. You don’t have to pay any rupee, and you can use it even an unlimited number of times. Similarly, the point is you would get to know exactly about what you want to know about your sip instalments and all. 

You can make decisions well 

It is going to help you in making investment decisions to achieve your financial aims.  Yes, when you plan for your overall goals and invest in sips, you need to check how much investment is going to be needed for creating the desired corpus. This is where sip calculators quite come in handy. By entering the exact sip amount, tenure, and expected returns, you can get an idea of the corpus you can actually accumulate over a specific period of time. In case the corpus seems inadequate, you can easily increase the sip amount andthe tenure. So, these calculators aid you make informed type of investment decisions.

You can compare easily 

Of course, the calculator is going to permit you to compare and select sip. By simply entering the past returns of diverse types of sip schemes, you can check the corpus that every single scheme would have formed up if you had invested in it. This type of corpus can then get compared across different schemes to find out which type of scheme performed the best. This way, you can select a scheme that gives the best returns and even maximise the profitability of your overall investment.


To sum up, it would not be wrong to state that calculator for sip is the best thing you can have for your investments!

What Are The Major Benefits Of Using The Option Of A Ppf Calculator?

Focusing on financial planning in the life of individuals is definitely important even more than earning money. Introduction of tools like the PPF calculator in this particular case is definitely advisable for people so that everyone will be able to make the right decision that ultimately will be able to enjoy the guarantee of returns. Having a good understanding of the online tools in this particular area is a great approach because it will be helpful in resolving the queries related to the calculation of returns and also help in making sure that people become clear about the interest earnings from the public provident fund investments. Whenever people will be using the option ppf calculator then definitely they will be having access to accurate insights into the industry so that things are sorted out very easily and there is no chance of any kind of problem.

Some of the basic benefits of using the PPF calculator have been very well explained as follows:

  1. A clear picture of the growth: Whenever the concerned people will be using the option of the PPF calculator, the interest income will be significantly increased and the best part is that everybody will be getting a clear picture of the growth without any kind of problem. This particular option very well helps in making sure that everybody will be at the forefront in terms of making accurate decisions without any doubt.
  2. Figuring out things very easily: If people will be using the option of a PPF calculator then definitely they will be able to figure out the amount of investment in the whole process, annually monthly and weekly without any kind of doubt so that they will be able to reach the target corpus with proper planning.
  3. Very easy to use: The option of PPF calculator is very easy to be used without any kind of doubt and the best part is that everybody will be able to get the additional systems in the whole process without any kind of problem. Whenever people will be using the option of a PPF calculator then the element of manual calculation will be significantly eliminated which will be helpful in providing people with a good number of benefits in the long run. Since this particular option is automatic the risk of error will be the bare minimum throughout the process.
  4. Graphical results: Using the option of a PPF calculator is a great idea for people because it will be helpful in providing the representation of the results graphically which will be making sure that things are easy to be understood without any kind of doubt.
  5. Investment planning: Planning the financial goals will become very much easy in this particular case so that people will be able to enjoy the best possible rate of return without any kind of problem. Another very important advantage of getting things done is that everybody will be getting a clear-cut idea of the expected returns without any kind of issues.

Hence, using the option of a PPF calculator from 5paisa is definitely a great idea so that people will be able to enjoy the power of compounding through PPF along with accurate insights at every step.

Getting To Know Everything About Capgemini Shares

Capgemini Technology Services India Ltd. (CTSIL) is a public limited company that was incorporated in the year 1993. It is one of the top companies with large offshore development centres in different parts of the country, including Bangalore, Mumbai, Hyderabad, Chennai, and Pune. It provides customized and packaged application development, outsources services for application maintenance, business intelligence services, and application re-engineering. Through this post, you will get to know everything about the Capgemini shares.

Capgemini was listed on the Bombay Stock of Exchange with the BSE code of 532337, and on the Nifty Stock of Exchange, with the NSE Symbol of IGS and ISIN of INE177B01016. But in the year 2008, CTSIL delisted itself from the Indian Stock Exchanges. The company currently has more than 13,000 shareholders. 

What are the different types of shareholding forms?

  • Bearer Form: This is the type of shareholding form in which it is the financial intermediary who holds the bearer’s security accounts. The particular financial intermediary is chosen by the shareholder, and it is the only one to know the real identity of the shareholder. Not even a company like CTSIL is aware of the shareholder’s identity. 
  • Registered Form: To make the communication easier between the company (CTSIL) issuing Capgemini unlisted shares and the shareholder, the identity of the specific shareholder is recorded in the books of Capgemini shares issuing company. 

The current valuation of the unlisted shares of Capgemini

Currently, the capgemini share price is Rs. 9000 per share and Earning Per Share (EPS) of the financial year 20-21 stands at 285. Therefore, P/E is 31x. 

How can the shareholders buy the Capgemini Shares?

There are many financial intermediaries through which a shareholder can buy the Capgemini shares. Here is the procedure that is followed by almost every intermediary for buying Capgemini unlisted shares:

  1. First, the booking of CTSIL unlisted shares is confirmed with the intermediary at a trading price.
  2. Some KYC documents required cording to the SEBI regulations are provided to the financial intermediary such as client master report, PAN Card, Cancelled cheque, and many others. 
  3. Bank details are provided to the client by the intermediary so that funds can be transferred to that account.
  4. The modes of payment to be used are RTGS/NEFT/IMPS cheque transfer. Cash deposits are not accepted.
  5. The same account is to be used for the payment in which shares are to be credited. 
  6. At last, purchased shares are transferred in 24 hours in a case when funds are credited before 2 pm.

What is the lock-in period of CTSIL shares?

The lock-in period depends on different categories of investors. 

The lock-in period for Venture Capital Funds or Alternate investment Fund (category 1 or 2) is of 6 months from the date of acquisition of CTSIL unlisted shares.

The lock-in period for other investors is six months from the date of listing of the IPO of CTSIL unlisted shares.

Final Thoughts

Now that you know all about Capgemini shares, especially their current price and procedure of buying these unlisted shares, what are you waiting for? Contact any reputable financial intermediary and buy unlisted shares online.