FinTech Glossary

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    Investing

    Appreciation

    18 April 2024

    Appreciation is referred to as the increase in the value of a capital asset over a given timeframe.

    Intrinsic Value

    18 April 2024

    As a new investor you should be aware of certain financial terms used in the market and for the stocks and assets that you want to invest in.

    Credit Market

    18 April 2024

    Credit market, also known as debt market, is a market where companies and governments offer debt to investors in he form of junk bonds, investment-grade bonds, and short-term commercial paper.

    Price to Free Cash Flow

    18 April 2024

    The price to free cash flow is a metric used to evaluate and compare a firm’s market price of a single share with its per-share price of free cash flow (FCF).

    mcx,Multi Commodity Exchange

    18 April 2024

    Multi Commodity Exchange (MCX) is an exchange where commodities like crude oil, lead, gold, etc are traded.

    Market Risk Premium

    18 April 2024

    The market risk premium is defined as the difference between the expected rate of returns on a market portfolio and the rate, which is considered risk-free.

    Economy

    Slander

    18 April 2024

    Slander refers to making false oral statements about another person, harming their reputation.

    Law Of One Price

    18 April 2024

    The Law Of One Price (referred to as LOOP) is an economic theory which states that the price of identical goods in various markets must be the same after taking into consideration the currency exchange, i.

    Chaos Theory

    18 April 2024

    Chaos theory refers to a mathematical theory that justifies for the possibility of getting random results from ordinary equations.

    Expropriation

    18 April 2024

    Expropriation is taking over of private property or assets by the government for compensation only when it is for a public purpose.

    Estoppel

    18 April 2024

    Estoppel refers to a legal principle that prevents a person from alleging facts which are contrary to past claims or actions.

    Mercantilism

    18 April 2024

    In order to build a wealthy and powerful society, mercantilism is economic nationalism.

    Personal Finance

    Telegraphic Transfer (TT)

    18 April 2024

    There should be a system in place to transfer funds between two parties.

    Chip-And-Signature Card

    18 April 2024

    A chip-and-signature card allows customers to provide a signature to complete transactions.

    Point-To-Point Encryption (P2PE)

    17 April 2024

    Point-to-point encryption (P2PE) is an established standard for data protection to offer high-class security solutions for transactions that are made in the electronic mode.

    Card Recovery Bulletin

    18 April 2024

    Card recovery bulletins are documents that list the stolen, lost, over-limit, past-due, counterfeit, and cards with some problem as declared by the credit card companies, such as a MasterCard and Visa.

    Occupancy Certificate

    18 April 2024

    Occupancy certificates are issued by the agencies and authorities of local government, which declares that the building is constructed as per the plans that were approved by the concerned authorities.

    Merchant Banking

    18 April 2024

    Merchant banking is a professional service provided by the merchant banks to their customers considering their financial needs, for adequate consideration in the form of fee.

    Taxation

    Tax-Exempt Interest

    18 April 2024

    Tax-exempt interest refers to the interest income that is not subject to Indian income tax in the first instance.

    Exemption

    18 April 2024

    Exemption implies being not liable to do something, given as a relief.

    Limited Liability Partnership (LLP)

    18 April 2024

    Limited Liability Partnership (LLP) is one of the many kinds of business constitutions that is popular across the globe.

    Conveyance Allowance

    18 April 2024

    Also known as transport allowance, conveyance allowance is offered to the employees of the company to compensate for the travel of the employee from the residence to and from the workplace.

    CST,Central Sales Tax

    18 April 2024

    Central Sales tax refers to the tax levied on sales generated during inter-state trade and commerce in a country.

    Deficiency

    18 April 2024

    Deficiency is the difference between the amount of tax that a taxpayer reports in their income tax return and the tax that is assessed by the income tax department.

    Business

    Industrial Revolution

    18 April 2024

    During the late 1700s and early 1800s, the industrial revolution was a period of major industrialization and innovation.

    Scope

    18 April 2024

    Scope refers to the combination of goals of a project and actions to achieve the goals.

    Pareto Analysis

    17 April 2024

    Pareto analysis is a business decision-making methodology, which is based on the 80-20 rule.

    Boom

    18 April 2024

    Boom means the growth at the peak phases of the business cycle.

    Crowdsourcing

    18 April 2024

    Crowdsourcing is a procurement process in which individuals or organizations acquire products and services from abroad, relatively accessible and often rapidly changing community of internet users, including ideas and finances.

    Strategic Business Unit (SBU)

    18 April 2024

    SBU or Strategic Business Unit is an individual unit that operates on its own and has its own vision about the business strategies.

    Financial Advisor

    Registered Investment Advisor (RIA)

    18 April 2024

    Registered Investment Advisor (RIA) is an individual or a firm that advises high net worth individuals on investments and manages their portfolios.

    Risk Tolerance

    18 April 2024

    The investment term "risk tolerance" refers to the amount of market risk that an investor can bear, such as uncertainty or market ups and downs.

    Personal Financial Advisor

    18 April 2024

    A personal financial advisor is a person who provides clients with financial advice and services according to their particular needs.

    ​Contract Note

    18 April 2024

    Contract notes are among the most relevant legal documents available to investors on the stock market.

    Granular Portfolio

    18 April 2024

    An extensive and well-diversified portfolio with investments in a wide range of sectors is known as a granular portfolio.

    Advisor Fee

    18 April 2024

    An advisor fee is an amount paid as consulting charges for advisory services in matters connected with financial services, money management, and other investment advisory services.

    Trading

    Retrocession

    18 April 2024

    Retrocessions points to the trailer, kickback, or finders fees that are to be paid by the portfolio managers to the distributors or advisers.

    Warehouse Receipt

    18 April 2024

    A warehouse receipt is a form of documentation used within futures markets to ensure the quality and quantity of a particular commodity stored within an approved facility.

    Grading Certificate

    18 April 2024

    A grading certificate is a document issued by the inspectors or an accredited grading panel officially indicating a commodity's quality.

    Securities and Exchange Board of India (SEBI)

    18 April 2024

    Securities and Exchanges Board Of India (SEBI) is one of the most significant regulatory body responsible for managing the securities market in India.

    Desk Trader

    18 April 2024

    A desk trader refers to a financial trader who is limited to instituting trades for customers of a company and who is unable to trade with own accounts of his/her company.

    Audit Risk

    18 April 2024

    Audit risk is the danger of financial statements being significantly inaccurate unless the audit opinion notes that the financial results are free from any factual mistakes.

    Corporate Finance And Accounting

    Reconciliation

    18 April 2024

    In literal sense, the term impeachment refers to the act of questioning the integrity or validity of something.

    Capital Formation

    18 April 2024

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

    Gross Working Capital

    18 April 2024

    Gross working capital refers to the total current assets of a company.

    Standard Deviation

    18 April 2024

    Standard deviation refers to a measure in statistics to find the dispersion in a dataset and its relativity to its mean.

    Profit Centre

    18 April 2024

    A profit centre refers to a branch, unit, or division of a company which directly adds or which normally adds to the bottom-line or profits of the company as a whole.

    Absorption Costing

    18 April 2024

    Absorption costing refers to a method of costing to account for all the costs of manufacturing.

    Savings/Wealth Management

    Land Value

    18 April 2024

    Land value is the worth of a piece of property, which includes both the value of the land itself and any enhancements made to it.

    Social Commerce

    17 April 2024

    Social commerce is the use of networking platforms, such as Facebook, Instagram, and Twitter, as tools for product and service advertising and sales.

    Foreclosure

    18 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.

    Micro savings

    18 April 2024

    Micro-savings is a microfinance branch, consisting of a small deposit account provided to families or individuals with low income as an opportunity to store funds for potential use.

    Landlocked

    18 April 2024

    “Landlocked”, in the real estate sense, refers to a piece of property that has no direct legal access road, except an adjacent lot.

    Appurtenance

    18 April 2024

    The appurtenance is a legislative concept that signifies the attachment of a right or property to a better and more important principal.

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