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Finance in India

The Indian financial system is basically strong, operationally wide and has always exhibited utmost efficiency and flexibility. This has driven the Indian economy towards a more market-driven and productive one. Finance in India stands so strong that the system has always supported and induced high levels of investment, thereby promoting growth and wide economic coverage.

The Financial sector in India comprises of varied elements - financial institutions, financial markets, financial instruments and financial services. Generally, the Indian financial system can be categorized into two segments - the organized sector and the informal credit market (unorganized). The financial institutions in India are responsible for all the financial intermediation in the organized sector.

Financial Services in India


Indian finance is just the management
of funds. With the general areas of financial services in India being business finance, public finance, personal finance and finance in India is really comprehensive. Concepts of time, money and risk are all inter-related in the financial services sector in India, thus one should have an idea about how money should be spent and budgeted.

Corporate finance in India


Corporate finance is segment in Indian financial services where financial decisions are arrived at by business enterprises and accordingly the business strategies are made.

Maximizing the corporate value is the main aim of corporate finance, thus minimizing the corporate risk. The sub categories of corporate finance deal with the following:
  • Structured finance
  • Capital budgeting
  • Financial risk management
  • Mergers and Acquisitions
  • Accounting
  • Financial Statements
  • Auditing
  • Credit rating agency
  • Leveraged buyout
  • Venture capital

Personal Finance India


Personal finance is completely related to the application of finance principles, thereby helping an individual to make necessary monetary decisions. Individuals or families through this, obtain, save, budget, and spend resources (entirely monetary) taking into consideration the associated financial risks and time period. The personal finance equipment includes savings accounts, credit cards and consumer loans, stock market investments, retirement plans, social security benefits, insurance policies, and income tax administration. Sub categories of personal finance are:
  • Credit and Debt
  • Employment contract
  • Retirement
  • Financial planning

Public finance India


Public finance is entirely an economy related concept whereby it is related with paying for governmental activities. This field helps the entire economy to have an idea about what the government is doing, how much has been its collections and from whom have they been collecting these resources. Sub categories of public finance are:
  • Tax
  • Government debt
  • Deficit spending
  • Warrant (of payment)