FinTech Glossary

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    Investing

    fpi,Foreign portfolio investment

    27 April 2024

    Foreign portfolio investment (FPI) comprises securities and other financial assets held by investors in a different country.

    price earnings ratio

    27 April 2024

    Price multiple or P/E Ratio is the ratio for valuing a company at its current share prices relative to the EPS or the Per Share Earnings.

    lock in period

    27 April 2024

    Lock in period or lock up period refers to that period for which investments cannot be sold or redeemed.

    Third Party

    27 April 2024

    A third party is an entity or an individual who gets involved in a transaction; however, it is not part of the principals and displays lesser interest.

    Top losers

    27 April 2024

    A security that loses value during the course of a particular trading day is called a loser.

    Issue

    27 April 2024

    The process of offering securities to raise funds from investors is called an issue.

    Economy

    Impeachment

    27 April 2024

    Impeachment is defined as an act of calling into question the integrity or validity of something.

    Lokayukta

    27 April 2024

    The State of Maharashtra became the first state to introduce the institution of Lokayukta in the year 1971 through the Lokayukta and Upalokayukta act which aimed at appointing a person on state level who would look after the grievances of the public regarding corruption in the administrative system.

    privatisation,privatization

    27 April 2024

    When a government owned company or establishment transfers its ownership, control or execution to the private sector, then the entity is said to be privatized.

    Consumer Surplus

    27 April 2024

    Consumer surplus is an economic indicator of the benefits to the product.

    Scarcity

    27 April 2024

    Scarcity refers to the limited availability of a resource in comparison to the limitless wants.

    capital adequacy ratio

    27 April 2024

    Capital Adequacy Ratio (CAR) is the measurement ratio that assesses the ability of banks to absorb losses.

    Personal Finance

    Transaction Authentication Number (TAN)

    27 April 2024

    A transaction authentication number (TAN) is a one-time code used in the processing of online transactions.

    compound interest formula

    26 April 2024

    Compound interest (or compounding interest) is known as the interest on a loan or deposit calculated based on the initial principal as well as the accumulated interest from previous periods.

    Basic Credit Card

    26 April 2024

    A basic credit card is a credit card with no special characteristics or benefits and no annual fee.

    Notching

    27 April 2024

    The practice followed by credit rating agencies to allot ratings that is a few notches higher or a few notches lower between associated enterprises is called notching.

    Unbanked

    27 April 2024

    Unbanked is used to describe people who do not have a bank account.

    Insurance Grace Period

    27 April 2024

    An insurance grace period is the specified time wherein the policyholder is allowed to make payments towards the premium to avoid lapses in the coverage.

    Taxation

    TDR,Tax Deduction and Collection Account Number

    27 April 2024

    Also known as the TAN, tax deduction account number, is a ten digit alphanumeric number that is issued by the Income Tax Department.

    Tax Liability

    27 April 2024

    Tax liability refers to the income tax, other direct taxes, and indirect tax liability levied by the government.

    Tax Credit

    27 April 2024

    More commonly across the globe, a government may grant tax credits to encourage specific actions from taxpayers.

    TA,Travelling Allowance

    27 April 2024

    Transport allowance means allowance that has been granted for the purpose of transport.

    education cess

    27 April 2024

    Cess is a form of tax and an additional levy by the Central Government to raise funds for specific purposes.

    Tax Deduction

    27 April 2024

    A tax deduction is a benefit that reduces the taxable income of a taxpayer upon the fulfilment of certain conditions.

    Business

    Power Broker

    27 April 2024

    A power broker refers to an individual who can influence other parties' decisions.

    Lobby

    26 April 2024

    A lobby is a set of people with a similar mindset, who get together to have their influence over the authority or decision-making body and get results in their favour.

    Fringe Benefits

    27 April 2024

    Some benefits are offered to salaried employees other than their basic salary.

    Segregation

    27 April 2024

    Segregation refers to the separation or carving out of certain segment or individual items from a group.

    supply chain management

    27 April 2024

    Supply chain management (SCM) means to run supply chains in the most effective and efficient methods possible.

    Virtual Reality

    27 April 2024

    Virtual reality (VR) is a computer-generated simulation in which a person can interact within an artificial three-dimensional environment where the individual's movements are captured using special electronic devices.

    Financial Advisor

    Cross-Sell

    27 April 2024

    Cross-selling means offering goods similar to or equivalent to an established consumer.

    Capital Asset Pricing Model (CAPM)

    27 April 2024

    The Capital Asset Pricing Model (CAPM) refers to the relationship between systemic risk, especially stocks, and expected to return on the assets.

    Professional Risk Manager (PRM)

    27 April 2024

    It is a title issued by the Professional Risk Managers' International Association.

    Human-Life Approach

    27 April 2024

    The human-life method refers to a method of calculating the necessary insurance protection for loss of life.

    Advisor Account

    27 April 2024

    Advisor accounts refer to a type of investment accounts that involves investment advisory services.

    Churn Rate

    27 April 2024

    The churn rate is also referred to as the attrition rate or the customer churn.

    Trading

    Pit

    27 April 2024

    The pit is a particular part of the trading floor which is planned for the selling and buying of a security of a particular type via the system of open outcry.

    INR (Indian Rupee)

    27 April 2024

    The Indian Rupee is India's official currency; ₹ is the Indian currency symbol.

    Stop Loss

    27 April 2024

    Stop loss order which is also known as stop order or stop market order is an order which is placed in advance to buy or sell a security when it reaches a certain price point.

    Bear Position

    26 April 2024

    The bear position is a term that represents a short position applied to a financial guarantee.

    Counterparty

    27 April 2024

    Counterparties are those parties that are a part of a monetary transaction.

    Block Order

    27 April 2024

    Block order refers to the placing of order either for a sale or a purchase of a huge number of securities.

    Corporate Finance And Accounting

    Cost of Debt

    27 April 2024

    The debt cost is the effective rate of interest a firm pays on its debts.

    BCG Growth-Share Matrix

    27 April 2024

    The Boston Consulting Group (BCG) Growth-Share Matrix refers to a planning tool that graphically represents a company's products and services as a means to make it easier for the company's administration to make informed decisions about what they must sell, keep, or invest more in.

    Capital Formation

    27 April 2024

    Capital formation is referred to as the accumulation of the net capital over an accounting period for a specific nation.

    Financial Intermediary

    27 April 2024

    A financial intermediary is an institution or a person that acts as a link between two parties of a financial transaction.

    Corporate Debt Restructuring

    27 April 2024

    Corporate debt restructuring refers to the realignment of a business entity which is under fiscal distress due to its outstanding commitments and obligations and to infuse liquidity into business operations to keep it afloat.

    Cash conversion cycle

    27 April 2024

    The cash conversion cycle (CCC) is a metric that measures how long it takes a company (in days) to transform its stock and other resources or financial assets into sales cash flows.

    Savings/Wealth Management

    Foreclosure

    27 April 2024

    Buying a home is a dream of many, but when it comes to making deals in the real estate market, be it buying or selling a property, it is important to be aware of certain terms and their meanings.

    Marginal Land

    27 April 2024

    Marginal land is the land, which is having minimal to nil industrial or agricultural value.

    Encumbrance

    27 April 2024

    An encumbrance is a charge by a party who is not the proprietor against a property.

    Drop

    27 April 2024

    Drop is also referred to as the roll price.

    Commercial Property Insurance

    27 April 2024

    A commercial property insurance plan is made use of to cover a commercial property under an insurance plan.

    Discretionary Income

    27 April 2024

    Discretionary income is the amount of money left for an individual to spend or save after paying taxes and for personal needs, such as food, lodging, and clothes.

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