Sanjay Kumar Singh
 "Sanjay Kumar Singh")
Sanjay Kumar Singh
Sanjay Kumar Singh is an Associate Editor at Business Standard, where he heads the personal finance vertical. He oversees a team of reporters and writers who write on complex financial issues and wealth management. He completed his graduation in History Honours from Hindu College, Delhi University. He also did an MA in History from Arts Faculty, Delhi University. He holds an MBA (specialisation in Marketing) from IISWBM, Kolkata, and a PG Diploma in Journalism from The Time School of Journalism, Delhi. He has over 25 years of experience in journalism.
Sanjay Kumar Singh is an Associate Editor at Business Standard, where he heads the personal finance vertical. He oversees a team of reporters and writers who write on complex financial issues and wealth management. He completed his graduation in History Honours from Hindu College, Delhi University. He also did an MA in History from Arts Faculty, Delhi University. He holds an MBA (specialisation in Marketing) from IISWBM, Kolkata, and a PG Diploma in Journalism from The Time School of Journalism, Delhi. He has over 25 years of experience in journalism.
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Want to send your child abroad for studies? Tips for financial planning
Listen to the podcast to know more about financial planning for child's foreign education
 "Want to send your child abroad for studies? Tips for financial planning")
Start saving and investing early if you want your child to study abroad
Get an estimate of the amount you need to target and then invest in simple equity funds to arrive at the goal
 "Start saving and investing early if you want your child to study abroad")
Large private sector banks are safe bets for investments in BFSI stocks
High collections boost sentiment, but clarity on gross NPAs will emerge only after December
 "Large private sector banks are safe bets for investments in BFSI stocks")
Conditions apply: Festive season offers on home loans decoded
In this podcast, Business Standard's Sanjay Kumar Singh demystify the process of choosing your lender. Tune in to know more
 "Conditions apply: Festive season offers on home loans decoded")
Facing credit card woes amid pandemic? Look for lower-cost credit options
Defaulting on card dues could restrict access to credit in future
 "Facing credit card woes amid pandemic? Look for lower-cost credit options")
The current correction is temporary, add to your position in gold
With liquidity remaining high and real interest rates continuing to be low, gold is expected to do well for at least the next 18-24 months
 "The current correction is temporary, add to your position in gold")
If you are a conservative investor, go for target maturity debt ETFs
They enable investors to lock in returns, minimise credit and interest rate risk
 "If you are a conservative investor, go for target maturity debt ETFs")
Simply explained: Loan moratorium interest waiver scheme for borrowers
In this podcast, Business Standard's Sanjay Kumar Singh answers all your questions and try to explain in detail about the reimbursement plan
 "Simply explained: Loan moratorium interest waiver scheme for borrowers")
Home loan offers: Keep an eye on caveats before choosing a lender
They may be available only to those whose credit score exceeds a specified level or who buy insurance also
 "Home loan offers: Keep an eye on caveats before choosing a lender")
Interest relief: A simple scheme with wide coverage, say experts
The quantum of benefit for borrowers, however, will not be very large
 "Interest relief: A simple scheme with wide coverage, say experts")
Investors must look at credit quality while choosing corporate FDs
Stick to deposits of firms with high rating
 "Investors must look at credit quality while choosing corporate FDs")
Covid, income fears see shift to single-premium plans. How good are they?
Those buying these plans should bear in mind that gains at maturity may not be tax-free
 "Covid, income fears see shift to single-premium plans. How good are they?")
What is a passive fund and is it a safe investment option? Things to know
In this podcast, Business Standard's Sanjay Kumar Singh explains the difference between active and passive funds, why should an investor get into passive funds and more
 "What is a passive fund and is it a safe investment option? Things to know")
Don't let past year's return guide you while deciding on asset allocation
Government and corporate bond schemes of NPS are unlikely to beat equity schemes over the long term
 "Don't let past year's return guide you while deciding on asset allocation")
Regulators hand out more tools to customers for decoding financial products
Sebi's new risk-o-meter and Irdai's proposed colour coding of health insurance plans will enable buyers to make more informed choices
 "Regulators hand out more tools to customers for decoding financial products")
Weigh your options before going passive on mid- and small-cap equity funds
The majority of active funds still outperform their benchmarks and passive funds don't have a long track record in these two segments
Simple interest accumulated during moratorium remains the bigger concern
Since simple interest keeps accumulating, your outstanding at the end of the moratorium will be higher than at the start
 "Simple interest accumulated during moratorium remains the bigger concern")
Focused funds: Volatile but fund manager can mitigate portfolio risk
By doing rigorous research on her limited holdings, the fund manager can mitigate portfolio risk
 "Focused funds: Volatile but fund manager can mitigate portfolio risk")
Huge relief for home loan borrowers if govt bears part of compound interest
The increase in EMI or tenure will be lesser if the government pays the compound interest
 "Huge relief for home loan borrowers if govt bears part of compound interest")
How rolling over credit card balance can jeopardise your financial health
Instead, make use of EMIs and personal loans to repay credit card bills. If your dues are very high, go for secured loans