9447225295, 8848420039 Phone
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About Us

  • BABLI Fin Tech is the short form of Brilliant And Best Legal Investment Financial Techniques. The Chief Investment Planner K.I.Korah AFGP is a Veteran of Indian Air Force. His 20 years of experience in Indian Air Force compelled him to Start this financial service. He completed various financial certified courses and now he is an Advanced Financial Goal Planner (AFGP) from AAFM ( American Acadamy of Financial Tax-free in India). He is a Certified NISM (National Institue of Security Markets) advisor. He successfully completed the IRDA(Insurance Regulatory Development Authority Exam for Insurance. He is also AMFI(Associate of Mutual Funds in India) Licence holder. He completed almost 15 long years in Financial Advisory field. He is Senior Sales Manager in Star health Insurance Company Ltd.
  • Our Vision is to Serve the country by serving individuals in the country. Financial Independance to every citizen of India. BABLI Fin Tech want to build investment habit in common man so that his future and thus his family's future is secured. How to fulfill his dreams about himself, children and family. We give service to the Serving people of India . India is great nation and every citizen of India is . to build the nation. There family must be secured. BABLI Fin Tech is dedicated to give Prompt Financial Planning & Investment Services to individuals to fulfill their financial goals. 
  • We always more interested to create wealth without Overseas the acquired wealth. We request you to kindly check our  Face Book page . “Brilliant And Best Legal Investment Fin Tech”. Read it and give a like to the page. Refer this page to your friends. Our blog avaiable in google as BABLI Financial Tips.
  1. We provide Tax-free Investment ideas to create wealth for Professionals. Systematic Investment Plan (SIP).
  2. Systematic Withdrawal Plan (SWP).  Systematic Transfer Plan(ST P).  systematic monthly pension plan . children
  3. education and marriage plan. Interest-free future loans.  short-term, Medium Term and Log term investment
  4. strategies..  Cashless medical treatment. Overseas journey protection Plans.. Diversified Portfolio management. 
  5. Any type of Insurances for health , wealth, Life and general Vehicle . 
  6. We provide Mutual Funds, Tax return Filing, PAN card services, Bond, Debenture etc. Demat Account. Complete
  7. financial planning for an Individual. Star Health Insurance for all.
  8. We have Apps for our client which can be downloaded from play store. OFA client. and the other is Bablifintech.

We provide internet tracking of our client's portfolio. www.bablifintech.com

Our You tube channel bablifintech started from 01 Jan 2018when we completed  15 years of glorious financial service.

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Features

Family Account

Access your family member's Portfolio
with one single login

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Transact Online

Invest Online in Lumpsum or SIP
in mutual fund schemes.

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Save Tax

Check out Tax Savings
and Invest into ELSS Funds

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Reports

View your current market value,
your profits & losses.

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Calculators

Calculate the amount of wealth
required for your goal

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Factsheet

Explore Mutual Fund schemes
and their performance

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Focused Funds

Check out our recommended funds
and invest into them

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Market Views

Get monthly market outlook
from the experts

E-Locker

Upload and save
your important documents.

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Mobile App

Manage your wealth & track your family’s portfolio with one single login. You can easily and quickly invest in Mutual Funds from the app. Explore funds, view their performance and invest. Start an SIP or invest Lumpsum. Check out our recommendation of funds under Focused Funds. Whether you made profits or loss, check out from the reports. Simply Login and setup a 4 digit PIN for subsequent login so that you don’t need to enter your Username & Password every time. Download Now!

Mutual Funds

 Basics of mutual funds - how they work, and how best they can serve as an investment tool. So whether you are planning for your house, child’s education or marriage, your car or vacations, Mutual fund is a simple, tax efficient and effective tool to invest for these goals. Besides, Mutual funds offer a wide bouquet of investment options – equity schemes, fixed income schemes, money market schemes, hybrid schemes, ETFs etc. which you can choose as per your needs..

A mutual fund is a professionally-managed trust that pools the savings of many investors and invests them in securities like stocks, bonds, short-term money market instruments and commodities such as precious metals. Investors in a mutual fund have a common financial goal and their money is invested in different asset classes in accordance with the fund’s investment objective. Investments in mutual funds entail comparatively small amounts, giving retail investors the advantage of having finance professionals control their money even if it is a few thousand rupees.

Mutual funds are pooled investment vehicles actively managed either by professional fund managers or passively tracked by an index or industry. The funds are generally well diversified to offset potential losses. They offer an attractive way for savings to be managed in a passive manner without paying high fees or requiring constant attention from individual investors. Mutual funds present an option for investors who lack the time or knowledge to make traditional and complex investment decisions. By putting your money in a mutual fund, you permit the portfolio manager to make those essential decisions for you.

A mutual fund company collects money from several investors, and invests it in various options like stocks, bonds, etc. This fund is managed by professionals who understand the market well, and try to accomplish growth by making strategic investments. Investors get units of the mutual fund according to the amount they have invested. The Asset Management Company is responsible for managing the investments for the various schemes operated by the mutual fund. It also undertakes activities such like advisory services, financial consulting, customer services, accounting, marketing and sales functions for the schemes of the mutual fund.

Benefits of investing in mutual funds:

Professional Management
When you invest in a mutual fund, your money is managed by finance professionals. Investors who do not have the time or skill to manage their own portfolio can invest in mutual funds. By investing in mutual funds, you can gain the services of professional fund managers, which would otherwise be costly for an individual investor.

Diversification
Mutual funds provide the benefit of diversification across different sectors and companies. Mutual funds widen investments across various industries and asset classes. Thus, by investing in a mutual fund, you can gain from the benefits of diversification and asset allocation, without investing a large amount of money that would be required to build an individual portfolio.

Liquidity
Mutual funds are usually very liquid investments. Unless they have a pre-specified lock-in period, your money is available to you anytime you want subject to exit load, if any. Normally funds take a couple of days for returning your money to you. Since they are well integrated with the banking system, most funds can transfer the money directly to your bank account.

Flexibility
Investors can benefit from the convenience and flexibility offered by mutual funds to invest in a wide range of schemes. The option of systematic (at regular intervals) investment and withdrawal is also offered to investors in most open-ended schemes. Depending on one’s inclinations and convenience one can invest or withdraw funds.

Low transaction cost 
Due to economies of scale, mutual funds pay lower transaction costs. The benefits are passed on to mutual fund investors, which may not be enjoyed by an individual who enters the market directly.

Transparency 
Funds provide investors with updated information pertaining to the markets and schemes through factsheets, offer documents, annual reports etc.

Well regulated
Mutual funds in India are regulated and monitored by the Securities and Exchange Board of India (SEBI), which endeavors to protect the interests of investors. All funds are registered with SEBI and complete transparency is enforced. Mutual funds are required to provide investors with standard information about their investments, in addition to other disclosures like specific investments made by the scheme and the quantity of investment in each asset class.

Mutual funds invest in different securities like stocks or fixed income securities, depending upon the fund’s objectives. As a result, different schemes have different risks depending on the underlying portfolio. The value of an investment may decline over a period of time because of economic alterations or other events that affect the overall market. Also, the government may come up with new regulations, which may affect a particular industry or class of industries. All these factors influence the performance of Mutual Funds.

Risk and Reward: The diversification that mutual funds provide can help ease risk by offsetting losses from some securities with gains in other securities. On the other hand, this could limit the upside potential that is provided by holding a single security.

Lack of Control: Investors cannot determine the exact composition of a fund’s portfolio at any given time, nor can they directly influence which securities the fund manager buys.

If you invest in Mutual funds through Authorised Advisors the risk involed can be minimised and you can achieve your goals by proper portfolio management. 

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Market Views

Key Market Events:

 

  • The Gross Domestic Product continued its downward spiral for the seventh consecutive quarter, falling to 4.5 per cent in the second quarter (July-September) of the year 2019-20
  • CPI inflation jumps to 4.62% in October 2019. Core CPI inflation dips to 3.44% in October 2019
  • Wholesale prices in India rose by 0.16 percent year-on-year in October of 2019, slowing from a 0.33 percent gain in the previous month and compared with market expectations of a flat reading.
  • The fiscal deficit for the period April-October was recorded at 102.4% crossing the full year target underlining the fiscal concerns for the government
  • India’s trade deficit narrowed to $11.01 billion in October from $18.0 billion a year ago, the trade ministry said on Friday, helped by lower oil imports.
  • Industrial growth shrunk for the second straight month in September, contracting by 4.3%, the most in nearly 8 years. The slide was mainly due to poor performance in the manufacturing sector, according to official data released on Monday.
  • India’s Manufacturing PMI rose to 51.2 in November from 50.6 in October, indicating little improvement in health of the sector.
  • The Union Cabinet approved the sale of the government's stake in BPCL, SCI, and Concor, as well as decided to cut shareholding in select public sector firms below 51%.

Debt Outlook:

 

  • The head line spiked as expected however the core data plunged to 3.44 which is a clear indication of a demand slowdown. As per the RBI outlook this is likely to stay in the range for coming year which is very positive for the rates cycle.
  • Brent crude oil fell back to ~US$60-62 per barrel despite all global news which took higher how ever its has cooled down faster than expected reflecting underlying weak demand i.e. slow world economy
  • The GDP growth was pegged at 4.5% which was marginally lower than consensus despite heavy lifting form the government spending. This will give RBI enough reason to go for the cut again. The only question arises is whether the cut is of 15bps or 25 bps.
  • India is probably preparing for inclusion in JP Morgan EM bond index. This will be a huge positive for long bonds
  • Liquidity is in huge surplus mode but market is yet to price this new phase. Positive liquidity is a more important tool than repo rate cut.
  • Global bond yields of developed economies continue to remain low or in the negative zone. This may lead to a chase for sovereign assets which are still offering high real rates sooner than later probably the index inclusion may act as a trigger
  • We expect at least 50-75 bps cut in the policy rates in FY 20. Market may still be in denial mode which gives a window of opportunity for the long term investors
  • In a nut shell key driver for returns will be corporate spread compression or flattening of the yield curve. It will start with AAA/PSU followed by NBFC/HFC like Bajaj/HDFC and then it may percolate to lower grade NBFC and other corporate bonds.
  • We believe that the investment opportunity in short duration bond funds, banking and PSU funds, credit funds and dynamically managed duration funds is still present and become more attractive. Investors may look to invest in the funds depending on the scale of risk appetite and the investment horizon.

Key Market Events of October 2019

 

  • India moved from 77th to 63rd position in the World Bank's Ease of Doing Business rankings this year.
  • In line with expectations, RBI MPC delivered a 25bps rate cut (taking cumulative cut to 135bps in 2019) and provided a strong forward guidance for further rate cuts to support growth
  • US Fed cuts policy rate by 25 bps, but signals pause in easing cycle
  • GST collection declined 5.29 per cent to Rs 95,380 crore in October 2019, in comparison to the same month last year.
  • Headline CPI rose to 4% yoy in September primarily led by vegetable price inflation
  • Aug IIP declined 1.1% yoy (capital goods -21%, consumer durables -9.1%), sharpest fall in industrial output growth since Feb’13 reinforcing fears of a structural slowdown and deteriorating consumer sentiment.
  • India Manufacturing PMI came in at 51.4 in September 2019, unchanged from the previous month's 15-month low.
  • Sep Trade Deficit narrowed to $10.9bn as deterioration in import growth outweighed exports. Import growth fell to a 3-yr low on lower oil, gold and capital goods whereas exports weakness was more broad-based.
  • The Union Cabinet raised Dearness Allowance of ~5mn government employees and ~6.5mn pensioners by 5% costing the exchequer approximately ~Rs160bn.
  • The International Monetary Fund (IMF) downgraded growth of the global economy. In the October World Economic Outlook, IMF forecast a 3 % growth in 2019, the slowest pace since the global financial crisis. It also estimated that the U.S.-China trade tensions will cumulatively reduce the level of global GDP by 0.8 % by 2020.
Ms Shibani Kurian - Head Of Research and Equity Fund Manager, Kotak Mutual Fund shares her outlook on the Indian equity market, the month gone by, sector outlook and strategies to focus on going forward.
09/12/2019 12:08:50
Ms. Lakshmi Iyer, CIO (Debt) & Head Products, shares her outlook on the Debt Market. She shares her view on the monetary policy, its impact on the bond market, Liquidity in the banking system, the way forward and strategies to focus on.
09/12/2019 12:08:19
Ms. Lakshmi Iyer, CIO (Debt) & Head Products, shares her outlook on the Debt Market. She shares her view on the month gone by, debt markets, liquidity, the way forward and strategies for investors to focus on.
20/11/2019 07:19:43
 

Contact Us

Phone 9447225295, 8848420039
Email korah.ifp@gmail.com
Address: KODIYATTU THIRUSANIDHYAM,
PARIYARAM P O, MALLAPPALLY,
PATHANAMTHITTA Dist, KERALA 689585