The Studio Finance

China's housing market has lost almost all the growth it made over the last 20 years. House prices have fallen so much that they are now close to the levels seen in 2006. After reaching their highest point in 2021, prices have continued to drop. Many people in China are also finding it harder than ever to afford a home. For many years, buying a house was seen as one of the safest ways to save and grow money. But this shows that no investment keeps going up forever. When prices rise too much and people borrow too much money, the market can eventually fall, causing losses for families, businesses, and the country's economy.

https://www.gicouncil.in/media/4646/modern-treatments-india-globally.pdf Please find the communication from the GIC Council that was sent to all hospitals. This is all related to modern treatment, including robotic surgeries and others.

Centre open to hearing concerns on equity taxation, re-evaluate tax structure: FM Nirmala Sitharaman https://www.fortuneindia.com/economy/centre-open-to-hearing-concerns-on-equity-taxation-re-evaluate-tax-structure-fm-nirmala-sitharaman/139700

For decades, the Mumbai monsoon has been a subject of everyday conversation around romanticised chai dates, gruelling local train delays, and city-wide flooding. But for India’s active trading community, the monsoon can now be an asset class. Giving India its first weather derivative instrument, the National Commodity & Derivatives Exchange Limited (NCDEX) has introduced an exchange-traded weather derivative contract, appropriately ticketed as RAINMUMBAI. NCDEX's RAINMUMBAI contract is based on the Monsoon Cumulative Deviation Rainfall (CDR) - a daily measure of how much Mumbai's actual monsoon rainfall deviates from its 30-year historical average (Long Period Average or LPA of 2,206.7 mm). Contracts are available for each of the four monsoon months - June, July, August, and September. NCDEX said that the purpose of these contracts is risk management, allowing participants to hedge their financial exposure to rainfall variability, not to speculate on weather forecasts. The exchange does not promise any specific settlement outcome. Just like any other commodity, futures on NCDEX, retail investors will be able to trade these weather derivatives. “RAINMUMBAI is designed primarily as a risk management (hedging) instrument for entities with genuine weather-linked economic exposure. However, like all exchange-traded futures contracts, it can also be accessed by market participants — including financial institutions and proprietary traders — who act as liquidity providers and market makers. Speculation without underlying exposure carries its own risks and should be approached with caution,” the exchange said. https://m.economictimes.com/markets/stocks/news/forget-stocks-you-can-now-profit-from-mumbai-rains-heres-how-ncdexs-unique-weather-futures-work/articleshow/131244073.cms

The Bombay High Court ruled that insurance companies cannot reject claims just because they were filed late, if the delay is not unreasonable or justified. An insurance company had denied a claim only because it was submitted after a time limit mentioned in the policy. The policy had a clause saying claims must be filed within a specific period. What the court said: Such strict time-limit clauses are not valid if they are unfair. The court emphasized: Insurance is meant to protect policyholders, not trap them in technicalities. A genuine claim should not be rejected purely on delay, especially if: The delay is explained, or There is no fraud or misuse. Legal principle clarified The court said these restrictive clauses can be considered “void” (invalid) under law if they: Unreasonably restrict a person’s right to claim insurance. This aligns with broader consumer protection principles. What it means for people If your insurance claim is rejected only because it was filed late, you may still: Challenge it legally. Have a valid case, especially if the claim itself is genuine. This does not mean delays are always okay. If the delay is: Very long, or Suspicious / unexplained insurers may still reject it. A genuine insurance claim cannot be denied just because you were late—if your reason is reasonable. https://www.hindustantimes.com/cities/mumbai-news/time-restrictions-on-filing-insurance-claims-are-void-hc-101777051653365.html

https://www.business-standard.com/economy/news/india-growth-bernstein-open-letter-pm-modi-ai-jobs-manufacturing-reforms-126042300337_1.html

https://www.linkedin.com/posts/swapnilwaikar_investors-growth-inflation-activity-7447504534647795712-dhVw?utm_source=social_share_send&utm_medium=android_app&rcm=ACoAAAHht3MByYgWEQXzL72r8O0XTMP4YVPmMYk&utm_campaign=share_via

On 27th March Jefferies took exit from HDFC https://www.moneycontrol.com/news/business/markets/jefferies-exits-hdfc-bank-following-ex-chairman-atanu-chakraborty-s-resignation-trims-india-weightage-13872239.html ON 30th March Jefferies screams buy on HDFC Bank, says valuation attractive after 25% dip https://economictimes.indiatimes.com/markets/stocks/news/jefferies-screams-buy-on-hdfc-bank-says-valuation-attractive-after-25-dip/articleshow/129891618.cms Check both the above articles, they have done a Complete U TURN in four days

https://www.linkedin.com/posts/swapnilwaikar_lending-globalfinancialinstitutions-creditecosystem-activity-7442191508310487040-t6mv?utm_source=social_share_send&utm_medium=android_app&rcm=ACoAAAHht3MByYgWEQXzL72r8O0XTMP4YVPmMYk&utm_campaign=share_via

https://www.linkedin.com/posts/swapnilwaikar_discipline-headline-globalmacro-activity-7439218316679950336-uMyY?utm_source=social_share_send&utm_medium=android_app&rcm=ACoAAAHht3MByYgWEQXzL72r8O0XTMP4YVPmMYk&utm_campaign=copy_link Geopolitics, Energy Shocks, and Markets: Lessons from the 1973 Oil Crisis for Today’s Middle East Tensions. The lesson from the 1973 oil crisis is not only about energy prices. It is about understanding how geopolitical events interact with economic structures. Most conflicts create volatility. Only a few reshape global financial conditions.

https://www.business-standard.com/markets/news/dubai-real-estate-index-tanks-20-wipes-out-cy26-gains-on-iran-war-126030900584_1.html

https://www.linkedin.com/posts/swapnilwaikar_energysecurity-oilmarkets-geopolitics-activity-7436656404016472064-a6oD?utm_source=social_share_send&utm_medium=android_app&rcm=ACoAAAHht3MByYgWEQXzL72r8O0XTMP4YVPmMYk&utm_campaign=copy_link

Is money built on debt or is created through credit and sovereign spendings https://www.linkedin.com/posts/swapnilwaikar_macroeconomics-publicfinance-fiscalpolicy-activity-7433156227053944832-1dkV?utm_source=social_share_send&utm_medium=android_app&rcm=ACoAAAHht3MByYgWEQXzL72r8O0XTMP4YVPmMYk&utm_campaign=copy_link

https://m.economictimes.com/magazines/panache/one-layoff-3-missed-emis-bengaluru-ca-shares-how-her-neighbour-lost-his-rs-1-2-crore-flat/articleshow/128425804.cms

Do you think most retail investors buy foam or beer? Most investors unknowingly pay for foam instead of beer in the stock market. I’ve explained this concept with a practical analogy in my latest article. Curious to know whether you agree or disagree. https://www.linkedin.com/posts/swapnilwaikar_beerglass-stockvaluation-fomo-activity-7429363002530836483-Scf_?utm_source=social_share_send&utm_medium=android_app&rcm=ACoAAAHht3MByYgWEQXzL72r8O0XTMP4YVPmMYk&utm_campaign=copy_link