पिछले सप्ताह अब तक सोने में लगभग 1.6 प्रतिशत तक की तेज़ी हुई और जनवरी में सोना लगातार दूसरे साप्ताहिक लाभ के लिए तैयार रहा। हालांकि 2022 में इसकी सकारात्मक शुरुआत हुई है, लेकिन यह सोने के लिए एक कठिन वर्ष हो सकता है। क्योकि ज्यादातर प्रमुख केंद्रीय बैंक ब्याज दरे बढ़ाने के लिए तैयार है। हालांकि कीमती धातुओं के निवेशकों ने अमेरिकी. फेडरल रिजर्व के नीतिगत फैसले को अब तक पचा लिया है जिससे कीमती धातुओं ने लगातार दूसरे सप्ताह भी बढ़त दर्ज की है। निवेशक अब फेड के अगले नीतिगत फैसले का इंतजार कर रहे हैं, जो इस सप्ताह 26 जनवरी को दिया जाएगा। आर्थिक आकड़ो के मोर्चे पर, गुरुवार को जारी अमेरिकी आंकड़ों के मुताबिक पूरे सप्ताह में 286000 प्रारंभिक बेरोजगार दावे दायर किए गए, जो तीन महीने का उच्च स्तर है। जनवरी में फिलाडेल्फिया फेडरल रिजर्व मैन्युफैक्चरिंग इंडेक्स बढ़ कर 23.2 रहा। मौजूदा घरेलू बिक्री घट कर 6.18 मिलियन पर रही। चीन के तिमाही जीडीपी के आंकड़े अनुमान से बेहतर दर्ज किये गए। जापान से जारी आंकड़ों के मुताबिक राष्ट्रीय मुख्य उपभोक्ता मूल्य सूचकांक में साल-दर-साल 0.5 प्रतिशत की वृद्धि हुई है और राष्ट्रीय सीपीआई में दिसंबर में साल-दर-साल 0.8 प्रतिशत की वृद्धि हुई है। ब्रिटैन से जारी हुए  मुद्रास्फीति (सीपीआई) के आकड़ो में भी वृद्धि दर्ज की गई है। कच्चे तेल के भाव में पिछले सप्ताह ₹250 रुपये प्रति बैरल की वृद्धि देखि गई। बढ़ते हुए कच्चे तेल के भाव से एक बार फिर मुद्रास्फीति बढ़ने का डर निवेशकों में रहा जिसके कारण शेयर बाज़ारो में बिकवाली का दबाव बना रहा और कीमती धातुओं में सुरक्षित निवेश की मांग मजबूत हुई है। रूस और यूक्रेन के बीच तनाव और ब्रिटैन में चल रही राजनितिक उठा पटक, कीमती धातुओं को सपोर्ट कर रही है। चीन ने पिछले सप्ताह अपनी एक और पांच साल की लोन प्राइम रेट पर कटौती कर दी और बैंक ऑफ़ चाइना के वाईस गवर्नर ने आगे भी राहत पैकेज देने के संकेत देकर बाजार की उम्मीद को बढ़ाया है। जिससे कीमती धातुओं की चमक बढ़ने लगी है।   तकनिकी विश्लेषण : सोने और चांदी के भाव इस सप्ताह अमेरिकी फ़ेडरल बैंक की बैठक होने से, सीमित दायरे में रह सकते है। सोने को ₹47000 रुपये पर सपोर्ट और ₹47800 रुपये पर प्रतिरोध है। चांदी को ₹63000 रुपये पर सपोर्ट और ₹66000 रुपये पर प्रतिरोध है।

Malamaal Call of 20 Jan says: With a 4.84% return, yesterday's CHOLAFIN call rocked. Malamaal Call of 19 Jan says: With a ₹13,175 return per lot, yesterday's LUPIN call rocked. Malamaal Call of 18 Jan says: With a ₹6,000(46.15%) return per lot, yesterday's MARUTI call rocked. Malamaal Call of 17 Jan says: With a ₹10,125 return per lot, yesterday's TATAPOWER call rocked. Malamaal Call of 14 Jan says: With a ₹39,520 return per lot, yesterday's BEL call rocked. Malamaal Call of 13 Jan says: With a 2.41% return, yesterday's DEEPAKFERT call rocked. Malamaal Call of 12 Jan says: With a 5.5% return, yesterday's GATI call rocked. Malamaal Call of 11 Jan says: With a 6.93% return, yesterday's AFFLE call rocked. Malamaal Call of 10 Jan says: With a 6.3% return, yesterday's GREAVESCOT call rocked. Malamaal Call of 7 Jan says: With a 6.77% return, yesterday's UCWL call rocked. Malamaal Call of 6 Jan says: With 8.36% return, yesterday's TALBROAUTO call rocked. Malamaal Call of 5 Jan says: With ₹11,250 return per lot, yesterday's PIDILITE call rocked. Malamaal Call of 4 Jan says: With ₹6,666 (25%) return per lot, yesterday's POWERGRID call rocked. Malamaal Call of 3 Jan says: With 11.11% return, yesterday's MINDACORP call rocked. Malamaal Call of 31 Dec says: With 6.5% return, yesterday's DLINK call rocked. Malamaal Call of 30 Dec says: With ₹2,950 return per 10 lot, yesterday's GBPINR call rocked. Malamaal Call of 29 Dec says: With 6.25% return, yesterday's DATAPATTNS call rocked. Malamaal Call of 28 Dec says: With 14% return, yesterday's NIIT call rocked. Malamaal Call of 27 Dec says: With ₹6,875 (66.67%) return per lot, yesterday's ICICIBANK call rocked. Malamaal Call of 24 Dec says: With ₹2,375 (23.75%) returns per lot, yesterday's BANKNIFTY call rocked. Malamaal Call of 23 Dec says: With an 8.22% return, yesterday's GATI call rocked. Malamaal Call of 22 Dec says: With ₹4,500 (47.36%) returns per lot, yesterday's INDIGO call rocked. Malamaal Call of 21 Dec says: With ₹5,600(44.44%) returns per lot, yesterday's COLPAL call rocked. Malamaal Call of 20 Dec says: With ₹5,000 returns per lot, yesterday's BANKNIFTY call rocked. Malamaal Call of 17 Dec says: With ₹11,750 return per lot, yesterday's ZINC call rocked. Malamaal Call of 16 Dec says:   With ₹5,175 (29.03%) return per lot, yesterday's LT call rocked. Malamaal Call of 15 Dec says: With 3.54% return, yesterday's VTL call rocked. Malamaal Call of 14 Dec says: With 4.53% return, yesterday's BSE call rocked. Malamaal Call of 13 Dec says: With ₹9,000 (37.5%) return per lot, yesterday's TECHM call rocked. Malamaal Call of 10 Dec says: With ₹2,700 return per 10 lot, yesterday's GBPINR call rocked. Malamaal Call of 9 Dec says: With a 4.64% return, yesterday's UNICHEMLAB call rocked. Malamaal Call of 8 Dec says: With a 3.88% return, yesterday's HFCL call rocked. Malamaal Call of 7 Dec says: With ₹9,900(34.61%) return per lot, yesterday's BATAINDIA call rocked. Malamaal Call of 6 Dec says: With ₹5,000(50%) return per lot, yesterday's BANKNIFTY call rocked. Malamaal Call of 3 Dec says: With ₹16,750 returns per lot, yesterday's NMDC call rocked. Malamaal Call of 2 Dec says: With ₹8,700 returns per lot, yesterday's HDFC call rocked. Malamaal Call of 1 Dec says: With 6.13% returns, yesterday's MIRZAINT call rocked. Malamaal Call of 30 Nov says: With 11.47% returns, yesterday's TALBROAUTO call rocked. Malamaal Call of 29 Nov says:   With 4.28% returns, yesterday's BEML call rocked. Malamaal Call of 26 Nov says: With ₹1,700 returns per 10 lot, yesterday's USDINR call rocked. Malamaal Call of 25 Nov says: With ₹8,125 (35.13%) returns per lot, yesterday's APPOLOHOSP call rocked. Malamaal Call of 24 Nov says: With 6.59% returns, yesterday's MTARTECH call rocked. Malamaal Call of 23 Nov says: With ₹23,575 (141.37%) returns per lot, yesterday's GLENMARK call rocked. Malamaal Call of 22 Nov says: With ₹2,500 (66.66%) returns per lot, yesterday's BANKNIFTY call rocked. Malamaal Call of 18 Nov says: With 3.39% returns, yesterday's BBL call rocked. Malamaal Call of 17 Nov says: With ₹15,000 returns per lot, yesterday's METROPOLIS call rocked. Malamaal Call of 16 Nov says: With ₹10,650 (63.38%) returns per lot, yesterday's MARUTI call rocked. With ₹28,500 returns per lot, yesterday's TATAMOTOR call rocked. Malamaal Call of 15 Nov says: With 1.93% returns, yesterday's BIOCON call rocked. Malamaal Call of 12 Nov says: With 5.44% returns, yesterday's ZOMATO call rocked. Malamaal Call of 11 Nov says: With ₹7,500 returns per lot, yesterday's PIDILITIND call rocked. Malamaal Call of 10 Nov says: With ₹2,550 returns per 10 lots, yesterday's USDINR call rocked. Malamaal Call of 9 Nov says: With 4.19% returns, yesterday's APTECHT call rocked. Malamaal Call of 8 Nov says: With ₹19,125 returns per lot, yesterday's TITAN call rocked. Malamaal Call of 3 Nov says: With (9.26%) returns, yesterday's BARBEQUE call rocked. Malamaal Call of 2 Nov says: With ₹8,000 (30.76%) returns per lot, yesterday's SRTRANSFIN call rocked. Malamaal Call of 1 Nov says: With ₹20,650 (27.69%) returns per lot, yesterday's GRASIM call rocked. Malamaal Call of 29 Oct says: With 6.62% returns, yesterday's ABB call rocked. Malamaal Call of 28 Oct says: With ₹1,675 (203%) returns per lot, yesterday's BANKNIFTY call rocked. Malamaal Call of 27 Oct says: With 3.07% returns, yesterday's APTECHT call rocked. Malamaal Call of 26 Oct says: With ₹29,212.50 returns per lot, yesterday's TATAMOTORS call rocked. Malamaal Call of 25 Oct says: With ₹9,750 (66.66%) returns per lot, yesterday's IHCL call rocked. Malamaal Call of 22 Oct says: With ₹7,560(42.85%) returns per lot, yesterday's COALINDIA call rocked. Malamaal Call of 21 Oct says: With ₹20,250 returns per lot, yesterday's NAVINFLOURIN call rocked. Malamaal Call of 20 Oct says: With 7.61% returns, yesterday's TCI call rocked. Malamaal Call of 19 Oct says: With ₹13,162.50 (43.82%) returns per lot, yesterday's JSWSTEEL call rocked. Malamaal Call of 18 Oct says: With₹5,215 (1.05%) returns per lot, yesterday's NATURAL GAS call rocked. Malamaal Call of 14 Oct says: With₹8,431.25 (33.97%) returns per lot, yesterday's GRASIM call rocked. Malamaal Call of 13 Oct says: With 8.41% returns, yesterday's TATA call rocked. Malamaal Call of 12 Oct says: With 10.83% returns, yesterday's IDBI call rocked. Malamaal Call of 11 Oct says: With ₹25,875 (54.76%) returns per lot, yesterday's GMRINfra call rocked. Malamaal Call of 8 Oct says: With ₹9,125 (17.09%) returns per lot, yesterday's SRF call rocked. Malamaal Call of 7 Oct says: With ₹7000 (33.33%) returns per lot, yesterday's M&M call rocked. Malamaal Call of 6 Oct says: With ₹2350(88.67%) returns per lot, yesterday's Nifty50 call rocked. Malamaal Call of 5 Oct says: With 9% returns, yesterday's PDMJEPAPER call rocked. Malamaal Call of 4 Oct says:   With ₹21,875 returns per lot, yesterday's SRF call rocked. Malamaal Call of 1 Oct says: With 12.55% returns, yesterday's VINYLINDIA call rocked. Malamaal Call of 30 Sep says: With ₹1,700 returns per lot, yesterday's Nifty50 call rocked. Malamaal Call of 29 Sep says: With 2.7% return, yesterday's Coal India call rocked. Malamaal Call of 28 Sep says: With ₹4,050 returns per lot, yesterday's BankNifty call rocked. Malamaal Call of 27 Sep says: With ₹22,000 returns per lot, yesterday's MINDTREE call rocked. Malamaal Call of 24 Sep says: With ₹12,825 return per lot, yesterday's JSWSTEEL call rocked. Malamaal Call of 23 Sep says: With ₹48,750 return per lot, yesterday's Mcdowell call rocked. Malamaal Call of 22 Sep says: With ₹5,375 (116.21%) return per lot, yesterday's BankNifty call rocked.   Malamaal Call of 21 Sep says: With ₹19,000 (46.34%) return per lot, yesterday's Adanient call rocked.   Malamaal Call of 20 Sep says: With ₹11,550 (43.75%) return per lot, yesterday's best performer call rocked.   Malamaal Call of 17 Sep says: With ₹4,900 (97%) return per lot, yesterday's best performer call rocked.     Malamaal Call of 16 Sep says: With ₹2,100 (127%) return per lot, yesterday's best performer BankNifty call rocked.  

Companies with higher credit ratings will be seen as lower risks and hence they get loan applications approved easily than other companies. A credit rating can act as a deciding factor that helps borrowers in making decisions whether to buy or not to buy a loan from that particular organization. In the case of the stock market, a credit rating allows investors to make an important decision regarding the performance of a company. There are certain agencies that evaluate the risk tolerance of a company. In other words, the credit rating provided by these agencies assists in making a correlation between risk and return tradeoff of an instrument. To accomplish the whole process, they come with a tool that helps analysts to measure the risk of any debt instruments and assess if the returns are performing well against the risks. How Do Investors Benefit From Credit Rating? A company's credit rating is an important consideration when choosing a company's stock to indicate its position in the market, and its credit rating indicates that a particular company is possible, so a credit rating is. It is a useful source of information for investors. Repay the agreed loan amount without any problems. Poor credit ratings, on the other hand, indicate that the company may have a hard time paying off the full loan. This allows investors to make appropriate decisions when choosing a company's stock. If a company fails to repay a loan, it is given the image that the company does not have enough cash to repay its debt and the stock price plummets. Rating Agency In India, A rating agency is a company that assesses a borrower's ability to repay a loan borrowed by an investor on time. Rating agencies assess the financial position of a company, state, or country and propose measures to improve future financial accountability to borrowers. The main rating agencies in India are: Sr. No Credit Rating Agency Establishment Year Objective Functions Rating Scale 1 CRISIL 1987 The primary objective of CRISIL is to identify the creditworthiness of the companies. The companies mainly consist of public limited companies, banks and financial institutions. Provide ratings to the companies. Identify the solutions for the smooth working of small and mid-term enterprises. AAA, AA, A - Good Credit Rating BBB, BB - Average Credit Rating B, C, D - Low Credit Rating 2 ICRA 1991 ICRA provides guidance to the stock analysts and institutions. It also improves the transparency of the regulators such as SEBI, RBI and others. Provides guidance and information to the individuals, institutional investors and borrowers. The rating scale of ICRA includes long, mid and short term deposits, securities and instruments respectively. 3 CARE 1993 The CARE company prepares the report on the credit rating on credit ratings and generates research reports. Help the corporations to generate capital for numerous requirements. Rating based on two types of instruments - Long term instruments and short term instruments Rating Basis Credit Basis is the main reason a company, state, or government is given a rating. Rating agencies need to make the rationale for the rating publicly available, including a detailed investigation of the factors, the rating and the justification of risk factors. Key Rating Drivers in Rating Basis Gearing Ratio: A gearing ratio is a financial ratio that compares a company's liabilities to other financial standards such as stocks and company assets. A high gearing ratio for a company indicates that the company is in a strong financial position. Diversification of Product Composition: Diversification of product composition refers to the complete set of products or services offered by a company. When a company trades a wide range of commodities, if the company's commodities do not make a profit, they are collected by other commodities, so the risk is limited. Working Capital Demand Loan Licensed to meet daily business needs. If a company can meet its short-term operational needs, it can certainly meet its obligations. Net Interest Margin Net interest margin is a measure of the difference between interest expense and interest income, adjusted for return on total assets. A positive net interest margin indicates that the company is operating profitably, and a negative net interest margin indicates investment inefficiency. Net Worth – A company's net worth is calculated by subtracting total assets from total liabilities. It shows the financial condition of the company. If total liabilities exceed total assets, creditors may not be confident in the company's ability to repay loans. Total Debt to Total Assets It shows the amount of debt a company uses to fund its assets. The higher the ratio, the higher the volatility of profit per share due to changes in the unit of operating profit, and the higher the risk of investing in a company. After discussing the concept of credit ratings and their key rating factors, the next blog will discuss case studies for better understanding. Things to Ponder Before Making Investment Decisions Needless to say, credit rating plays an important role in deciding the worthiness of a company, these ratings also have some limitations. The ratings majorly depend on subjective information and senior analysts or investment bankers’ judgment. Hence, it is imperative to ponder certain things before investing: 1. Credit ratings are measured by the past performance of a company. 2. If an issuing company's pernicious intentions can hide its intention from the credit rating agency too. 3. Please note that credit agencies rate an instrument and not the whole company. Therefore, it is required to check the credit of the different instruments issued by the same company. 4. The rating given by these agencies might differ from one another. For more information, kindly go for Swastika Investmart. Swastika is a renowned name in the sector of stocks, as its main objective is to provide stock trading services at economical brokerage rates. Open demat account (paperless) with Swastika in only 14 minutes and enjoy seamless online trading, intraday trading, equity trading services. Contact us to learn more.