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Healthy Infos

RBI to increase liquidity for housing sectors

Written By Vignesh on Friday, December 12, 2008 | 1:55 PM

Financial crises had no exception to real estate. Global meltdown melted the housing sector also. Apex bank of India has decided to uplift this sector which is adversely affected. Reserve bank of India has announced that it has planned to give more liquidity to Housing Finance Companies (HFC) which took a big blow.

RBI has planned to provide a refinance facility up to 4000 crores with which these HFC can come out of its recession which was caused due to global meltdown. This amount will be available for a period of 90 days by the time the banks can draw and repay says the central bank.

This refinance facility will be available up to 31st march 2010. Utilization of the facility will be governed by the policy approved by NHB (national housing bank). This decision was taken on Thursday on a board meeting held on kolkata. This meeting also discussed the various steps taken since mid September 2008 to preserve financial stability.

The meeting also reviewed the various causes of global meltdown. It also had a look over the steps taken by various economies to stop this melt down. RBI has also planned to fund the Indian export companies through EXIM bank.

Amazing information is that inflation has come down to 8% from its old position of 11.25% in last 8 months. This growth shows some signs of improvement in Indian economy.

RBI has taken several steps to control inflation unfortunately nothing was successful as it was expected to be. At least this step must give some improvement so that economy comes under control and we stop thinking about lay off.

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Donation - A Legendary Action.

Written By Vignesh on Sunday, December 7, 2008 | 12:28 PM

Hello there,
Its a nice thing to Donate somebody for their Career, which makes them improve because of your part of Donation. If u do so, your are doing a Great Job. Great People only can do. Are you one of them? If so i am very gratuitous for that. Many People Have Money but they don't wish to donate. But people who has skill to do doesn't have money to come out as flying colors. Only few people has Both money and the broad mind of contributing others. If you are one of them, think of yourselves about your status in Life.

I am Gonna to tell you something useful for those who wants to make donation. Its very Easy to Donate others. Espeically for the website owners and Blog owners. Usually they will have donate button( alike in this website ) in their website who are in deficit funds. If u have paypal a/c. u can donate them easily.

You can follow these steps to donate if you have your own paypal a/c:

Just click on the donate button. You can see the page as shown below.

It will take you to the paypal donation page.If u have balance in your Paypal a/c, you can enter the amount that your gonna donate, and hit Update total. Then,Just enter your login Informations and click log in. Then it will show all ur details regarding the amount that you are gonna donate, ur payment method, Mailing address, Contact information. It is seen as shown Below.

After reviewing everything hit on Donate now.
Then your are done. You can see a message you have successfully Donated.

Follow these steps if you don't know abt paypal and don't have a/c. in paypal:
Paypal, a neutral website for the people who pays money and who gets paid. It allows any of the people to pay in their own specified way such as, by using credit cards, Debit cards, Visa card, Master cards, Bank accounts, etc. Its one of the Easiest and convenient way to pay or be paid. It is one of the secure way of paying others and get paid. So you can create a free account which this paypal offers everybody.

If you want to donate through paypal you should compulsorily have a paypal a/c.
After creating an account in paypal you need balance in your paypal account to donate others or to make other activities like paying others, purchase online etc.

To get balance to your paypal account you need to link your credit card or debit card or Master cards or Visa card. You can see the option of Link with your credit / Debit card option in your home page of paypal a/c. If you don't have the option of linking any of your cards, you can verywell link it with your bank account. It will ask for your bank details. when you fill all those details your are done. Don't ever get confused of your personal details being let out to others.Paypal doen't allow to any body. No body can take your account details. Not only account details no body can take any of your paypal details. Its that much Secure.

By doing that you can transfer your credit card balance or Debit card Balance to your paypal a/c. After doing that you get the balance shown in your homepage of paypal a/c.

Then comeback to my homepage and click the donate button. Now follow the steps already mentioned. See this heading already mentioned :You can follow these steps to donate if you have your own paypal a/c:" on the top of this post.

If you like this post pl do follow my website and get updated. Do ask me if u have any doubts on this.
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Terror terrors market.

Written By Vignesh on Saturday, November 29, 2008 | 12:22 PM

Market may be affected

DALAL STREET, has a chance to go weak. Due to the terror attack in sub continent there is a chance for the stock market to get weak as the stock exchange is also set up in MUMBAI where attack had happened. This attack has a greater chance to shock the countries financial position, are the words given by experts.

The market may open in weak note but its not going to get closed on the same weak note. Even at the time of train bomb which killed more than 150 the marked didn't fall it was just a short of expected and it did not fall completely.

we must also note that the economic environment in 2006 is different from now. As this attack was aimed at foreign people, the market may have a sharp reaction. Both the place of trade was kept closed on Thursday as a notice said due to terror attack its better for people to say home.

psychological impact will surely be there on investors and the market may open on a weak note but its not going to remain the same. There are chances for the market to open in a dull way but there is no chance for the market to fall, there should be a positive impact on the market at least from Monday.

There is a chance for foreign investor to stop investment as of now, but surely this is not going to prevail more than a week we suppose. The impact of this attack will surely be seen clear by next week

Considering all the above conditions, i feel that there are very less chance for the stock market to get down, but there are chances for market to open in dull way. Which ever way it may be surely problems are on we must find the ways to solve them.

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RBI relaxes...

Written By Vignesh on Thursday, November 27, 2008 | 12:22 PM


Reserve Bank of India the controller of the banks in India is now thinking to relax its restriction on the other commercial banks. This seems to be a good and healthy sign of the development of banking sector in India and hope to get more foreign exchange investments in banking sector.

Banks in India(including foreign banks)need not wait for Apex bank of the nation to approve its new branch opening nor wait for its license to open a new ATM.This is the on going discussion in the minds of central bank of India.

A larger part of the finance department is with the view that both Indian banks and foreign banks must be treated equally. so that its easy the for sub continent to meet its unmet ends in the field of banking.

We should give equal rights to foreign banks and instead of waiting for other nations to do the that we easy attract more investors so that purpose of banking to attract investments and to lend loans happens very easily.

Same time, I hope RBI will vest its power to control the commercial banks so that it can easily control the banks if RBI finds commercial banks to be out of their way. Most attractive feature of this is it can easily liquidate money so that it will help RBI to handle the financial crunch.

RBI circle says that liberalization of banks is has been suggested by various panels including the very resent RAGHURAM RANJAN panel. RBI also speaks that, this is not a way to address the present financial crunch.

Another information form the side RBI is that, this is a way to have healthy growth and good competition. RBI can have the right to impose restriction for some reasons and this must be an exception and not a norm.

This relaxations may find an improvement in banking sector. Like those banks which have a lot of branches in south can concentrate its improvement the other part of the nation.

A notable point is that this relaxations may not have much impact now because most of the banks now are facing a major financial problem. This will have a great use after the time of recession, it will also prevent banks form falling into deep recession, as we saw that those banks which have a lot of branches didn't fall in the trouble of recession as compared to those branches which had less number of branches.

This is one way to have a good banking facility in rural areas. This relaxation has paved many ways of development and seems to have a good sign in banking sector. Might be its one good step taking by the central bank improve banking and also to have investments and to make the basic purpose banking easy. I feel this step will take banking facility as well as banking sector to have a good growth.

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Lending Rates Forced to Cut For Private Sector Banks

Written By Vignesh on Wednesday, November 26, 2008 | 12:17 PM

Reducing Lending Rates - Private Sector the Sufferer

Due to high competition in the Public Sector, the Lending rates of the private sectors will be reduced sooner. The Public Sector banks have reduced their Lending Rates by 75 Basis points. This has been altered by giving personal loans, Home loans etc. by the public sector Banks to the needy.

This has become an important measure for the Reserve Bank Who, should get recollected when they do a move in this Regard.

Alike the Public Sector Banks the Private Sector Banks should also be shown some interest in reducing their Lending rates.

Mr. P. Chidambaram, Finance Minister has given an added opinion about this Situation as not to blame the Private sector banks. The Private sector Banks has its own reasons for this level of cutting the lending rates, but he did not comment on those regard.

The Fast improvement in the Public sector Banks by slashing the Lending rates to 75 basic points made the Private sector Banks to blame. The Changes made in this Public Sector Banks will have an adverse effect over the Private sector Banks, by bringing down the lending rates. He also assures that this revolution in the Public Sector Banks will happen sooner or later.

Being the Fastest Growing Economy, When we take a look at the top 20 Banks in India, all the top 20 Banks are only the Private Sector Banks and not the Public Sector Banks. By just reducing the lending rates does not fetch up a good output for the Banks. But by making the Private Sector Banks to reduce the lending Rates may result in the good output as they were already at the top 20 among the people's Minds in India.

Though the Recession made a drastic change in the U.S Economy, It does not made any change in our Country. Our Finance Minister Said "Our Banks are 100% Safe".

It is not just a saying by the Lips, he mean What he says. The flow of foreign capital into India has slowed down will eventually reverse and rupee will find its true level as India remains the most attractive investment destination among the world.

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A Global Economic MELTDOWN

Written By Vignesh on Tuesday, November 25, 2008 | 12:13 PM

A global economic meltdown-IT's biggest problem

A global economic meltdown has taken its way in the sectors of Information Technology and Banking. With the Pink slip being given to all the employees the IT is in great trouble. With the great fall in IT all the it has a cascading effect in all sectors.

With this rumors of Pink slip should an employee get out and find a new job are wait till he gets a layoff? This is the biggest doubt in the minds of employees in IT sector. Every one is now listening to the stories of layoff and forced resignation

One IT company has sacked 1000 of its employees during its annual appraisal.some one say more than 400 jobs have been lost in the past two months.A fine morning if am employee enters his office he is not sure completing his working hours.Two options which the company gives now a days is get out are we will send you out.

Even some of the employees are going early to the office to show as if they are working hard for the company so that he can prevent his job.Its more wise to marry some one in another profession than marrying a techie.Money which earned may be there but the jobs they feel.Every small time they get, they talk about lay off are forced resignation.

Its no more a cakewalk for the students of IT.The lucky once who get into the best institutions in the country dose not seam to have a big problems, but those who are in second are third rated institutions are now a days in a hectic trouble. "The companies are still coming for campus interviews", is just to maintain their brand image and nothing else. The number of candidates being selected has gone down.

Banking sector which were giving fun trips has stopped their credits.Even the companies have stopped their foreign trips are holding them back." Those who were spending Rs.200,000 for holiday is now spending not even Rs.50,000" says shrimathy of the World Travel Club.

Most of the IT employees are a part of equal monthly installments. The problem here is weather they will be in a position to pay their monthly installments if they wont what will be their condition??? Those who were spending a lot,have cut down their expense to a greater level.

Since the global economic meltdown has started, both IT and banking is suffering a lot. With this level of recession in economy,will take much time to recover as it already existed.The worse part of it, is for the students who had taken the course of computer science in second and third rated institutions and universities.Being knowledgeable person does not fetch any job,because of
the cascading effect of "GLOBAL ECONOMIC MELTDOWN..."

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Contact Us

Written By Vignesh on Monday, November 24, 2008 | 12:11 PM

Contact Admin:

  Please contact the admin via following means.

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About Me

Hi Readers,

I Vignesh (the founder of vikiinfos) is a Commerce Graduate, Pursuing my Chartered Accountant Profession,completed my Intermediate level. Blogging is my hobby, I also like to share my hobby.
We are two people contributing articles for this blog. Want to be a Part of it?? Just a click away.
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Different cause for World's Problem!!!

We all know, now the world is meeting its old friend"Recession", there are lots of reasons given behind it by many experts. Some of its reason which we felt caused recession has been listed out as simple as it can be done.

Current recession has been caused by high oil prices inferred from a recent report by CIBC chief economist JEFF RUBIN

Recession took its victory under the lead of oil price. The rapid fluctuation in the oil market made the countries to have a sit back in its economic position. Well before the other nations entered the recession Japan and Euro zone rushed for it.

Oil price changes had a close effect in stock market too. The invest made by the investor had an adverse effect over it,which reduced the values of investments by 40%. The world's strongest economy, U.S withstood this to some extent in the beginning but not fully,the other nations which were depending could not bear the stock fall which made them feel the heat of recession.

The fundamental cause for this recession is the regulatory norms followed by U.S.for the past two decades U.S had a low inflation rate. Which resulted it to ignore the completely basic economic cycle. This was first visible to united states 20 months ago,when they were trying to control the excess liquidity in the market. Then came the fall in their real estate. Amazing fact is that the real estate fell as much as, an house can be purchased in California for Rs.98000 which had a same effect all over the world.

The next main cause for this economic problem is,the world so called strongest bank failed maintain its position and was judged insolvent,it was none other than "LEHMAN BROTHERS". Its unsound idea to purchase a asset worthing more than its reserve caused its great fall in the industry of banking.

What so ever the reason may be for the world's fall the one who suffers are the developing nations only. Lots and lots of people are being driven away from jobs and result is fall in the economic level of the nations. The only person who get good job even during this time of recession are charted accountants by the name of cost reduction every company is sending their employees out and have also freezed their recruitment. With the worst economy policy of the U.S. every nation depending on it is now facing a lot problems which they are not able to manage.

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Guest Author

Written By Vignesh Shekar on Friday, June 6, 2008 | 2:05 PM

 Want to be a Guest Author?

                 Its been a pleasure to have you here in VikiInfos.we does not discriminate between any categories of articles, also we do not demand anybody or force anybody to write on a specific topic. You have the freedom of posting any article under any category. No pornographic or Adult related Posts are allowed in my blog.
                 All Articles will be posted in the blog only after the Review of VikInfos. Nobody holds right towards publishing the articles. It is with the discretion of VikiInfos.
                VikiInfos allows the authors to Post their names below the articles and post their websites or blogs below each article. If required, the authors may give their personal/official contact numbers. These are not compulsory, it is at the option of the author of the article, However if the author forgets to include his name as Author of the Article, Vikiinfos takes responsibility to post their names below the article.
                  If the Author really does not want to disclose their name under the article, It will not be disclosed.

                   VikiInfos does not enjoy the Rights towards any articles posted by any author. The Right of the article is vested with the Author of the article.

                   No copied contents are allowed. When VikiInfos reviews the articles, found copied from any other websites or Blog, such kind of articles will not be posted in the websites. Any article which hurts or which affects the contents of other websites or individual persons  or criticizing any person or websites will not be allowed for posting in My blog.

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Privacy Policy of Vikiinfos

Written By Vignesh on Thursday, June 5, 2008 | 5:12 PM

Privacy Policy of  Vikiinfos:
At, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by and how it is used.

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          Like many other Web sites, makes use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses and other such information are not linked to any information that is personally identifiable.

Cookies and Web Beacons:

  does not use cookies. Some of our advertising partners may use cookies and web beacons on our site.
These third-party ad servers or ad networks use technology to the advertisements and links that appear on send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see. has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices.’s privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

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Google’s use of the DART cookie enables it to serve ads to ’s users based on their visit to and other sites on the Internet.

Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy.
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From the Author's Desk

Vignesh, the founder of VikiInfos, is a Commerce Graduate and Pursuing his Chartered Accountant Profession, now in the Intermediate level. Blogging is his hobby and likes to share things. He plans to Update this blog with latest happenings and things that he gets to know at times and worthy information.a friendly user blog can be followed by any person. Join us free and subscribe.
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