What is 'Liquid Asset'

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• RBI proposes banks maintain higher stock of liquid securities amidst use of technology 24x7 to transfer fundsThe RBI has proposed that banks assign an additional 5% run-off factor for retail deposits enabled with internet and mobile banking facilities (IMB). Stable retail deposits enabled with IMB shall have a 10 % run-off factor, and less stable deposits enabled with IMB shall have a 15% run-off factor.
• RBI issues draft liquidity coverage ratio normsLCR is a liquidity requirement for banks to maintain at all times a certain proportion of high-quality liquid assets (HQLA), including cash, reserves with central banks, and federal government bonds, which can easily be converted into cash.
• RBI issues draft liquidity coverage ratio normsLCR is a liquidity requirement for banks to maintain at all times a certain proportion of high-quality liquid assets (HQLA), including cash, reserves with central banks, and federal government bonds, which can easily be converted into cash.
• Battle of crorepatis: Meet Noida's richest candidates in the electoral raceMahesh Sharma of the BJP emerges as the wealthiest candidate, with his assets nearly doubling over the past five years. While Mahendra Nagar from the INDIA bloc and Rajendra Singh Solanki of the Bahujan Samaj Party (BSP) don't match Sharma's wealth, they still possess significant resources. Both Nagar and Solanki have declared assets valued at Rs 8.5 crore each in their sworn affidavits.
• Other than operating leverage, don’t see any ROA expansion lever for ICICI Bank: Rahul MalaniAnalyst Rahul Malani from Sharekhan by BNP Paribas has stated that ICICI Bank has been trading at around two times its one-year forward P/E multiple, and that its outlook is strong, with ICICI sustaining a 2% ROA in the near to medium term. There are, however, limited ROA expansion levers from here on, he says. As for HDFC Bank, Malani says a near-term rally is possible due to relaxed regulation and eased capital requirement norms. The inclusion of the combined entity in MSCI indices will boost flows, he said.
• Banking & PSU Debt Funds are safest option for conservative investors. Avnish Jain explains whyThe three main risks in mutual funds or in debt funds are interest rate risk, liquidity and credit risk. Credit risk is much lower in these funds. One can also manage interest rate risk via duration. In terms of liquidity, Sebi has put in some regulations, having a minimum 10% in liquid assets like cash or T-bills or G-Secs in any fund.
• View: How ‘Madoffs of Manhattan’ can unravel Gautam Adani’s empireDespite its good reputation in New York’s finance circles, the Hindenburg name by no means translates into automatic success in Asia. Other conglomerates, such as China’s HNA Group and China Evergrande Group, had survived years of high-profile short sellers’ attacks and failed only when the political wind turned against them.
• Dinanath Dubhashi on MF arm sale, rapid retailisation and more"We had promised 80% retailisation by FY26 and you would see that the retail portfolio is growing fast. Profitability with the asset quality remains very good. So this quarter itself we have shown a 10% quarter on quarter growth in retail. The retail numbers are trending extremely well;, the retail ROA has reached 2.6% and so clearly that portion is growing very well."
• View: Turmoil could help restore more normal marketsInvestors shouldn't yearn for a return to the comforting calm of 2017.
• Six steps to ensure you can retire when you want and do so comfortablyAs retirement planning involves understanding of various asset classes, one should take help of expert or financial advisors to design the same: Arun Thukral