11 April 2018

Your Silver Lined Cheque Book

Thank you to all very informed women of the Prism group for inviting me to speak on 6th April 2018 at the Mahratta Chamber of Commerce and for the wonderful feedback below. As you can see your lovely gift holds pride of place.


[06/04, 20:39] Suj gave a talk at the maratha chamber of commerce. She had the audience in rapt attention and singing praises. Tara  Vaidya

[06/04, 20:43] Great talk. Difficult things made to sound very simple. Thanks 🙏

[06/04, 21:00] Very eloquent speaker. Handled the q n a session well. Made notes. Going to discuss with dj tmrw

[06/04, 21:57]  Sujata was great of course, snacks were yum, auditorium was freezing! ☺
Sangeeta Shahaney

[06/04, 23:16] 
I loved it, got me thinking, one needs to learn and put some effort into understanding mutual funds etc. the subject is so huge, one has to make a beginning somewhere, Sujatha gave a good overview in very simple and understandable terms, she is a great presenter, it was a pleasure listening to her. A very good program, if there had been more such programs, I would have stayed on as member, thanks for letting me attend.
Poonam Gupta 

[06/04, 23:37] Good evening!
I had to run off because I didn’t want to be late for the Friday family dinner.... 
Thanks so much for inviting me!
I really loved the afternoon.... the presentation you’ve created is informative, humorous and easy to understand. As are you!
Now tell me what exactly I need to do to rope you in for the same thing for WZCC women entrepreneurs?
Mahrukh Bharucha

Thanks for organising yesterday' sprogramme .and getting to talk to us young investment advisor Sujata Kabraji   who understands women' problem and is very knowledgeable.
Thanks Sujata  for very  infirmative talk.
Shobha Deshmukh

Thanks Sujata for giving us basic inputs of finance planning to enable us to plan and enjoy our old age ! 👏🏼
Manju Prasad

Thanks Sujata for giving us basic inputs of finance planning to enable us to plan and enjoy our old age ! 👏🏼

A complex subject like finance explained in very simple and easy to understand terms. Thanks Sujata.
Lata Phatak

Thanks Sujata for explaining it so well
Romi Advani

[09/04, 09:09] 
Sujata’s talk was very well conducted and presented . Just the right amount of simplified explanations on various aspects of finance , investments, and tax implications for non finance people-sr. Citizens to grasp easily . Some information were very helpful for me too.

[09/04, 09:09] My compliments to Sujata for her flawless handling of the powerpoint presentation 
So well simplified.
I would surely love to interact with here whenever she visits Pune next.
 aruna advani

Thanks for organising  excellent  lecture  for us I would like Sujata to take more workshop for Prism  members so we understand  the investment  cycle properly.Thanks once again 
neelam bansal

I liked  the advice on will preparation
And safe guards on insurance policy realisation.
Other tips to save money was useful.
On the whole a well organised  program 
Tku. 
Rathna Narayanswamy

[09/04, 11:28] 
 The talk was very good and informative. Some members said that we should have more such talks .
Veena agarwal

Thank you PRISM for organising the talk by Sujata Kabraji. The program lived up to its promises made in your invite: paranoid about numbers? Make your savings account work for you, insurance and pension plans etc.
Sujata’s presentation, with her humour and appropriate illustrations, personal experiences and anecdotes was able to build a rapport with us. Her patient and honest responses to the many questions raised were encouraging.
An informative talk. I would certainly like another more detailed session with her and from the comments overheard after the talk, most of the group felt the same.
Mira Bhojwani

17 March 2018

RBI Bond @ 7.75% anyone? 10 Things you should know!


Image result for reserve bank of india logo

The Reserve Bank of India offers bonds with a taxable rate of interest of 7.75% p.a. But before investing, its always good to know as much as possible about the product. Some of the key bits of information are below:



  1. No maximum limit for investment in the RBI 7.75% Savings (Taxable) Bonds.  Each bond will be issued for a minimum amount of Rs.1,000 (which will be the face value) and in multiples thereof. 
  2. These Bonds are open to investment by individuals and Hindu Undivided Families. NRIs are not eligible for making investments in these bonds. 
  3. You can choose between the cumulative and non-cumulative modes for payment of interest In the cumulative option, interest is paid only when the bonds mature. In the non-cumulative mode, interest is paid half-yearly - on 1st August and 1st February. Do remember that you can’t change the option in middle from Non-Cumulative to Cumulative and vice versa. So pick carefully at the time of filling the form. 
  4. Just like bank fixed deposits, the interest income earned from these bonds is added to your income and taxed as per your slabsThe bonds will be exempt from wealth tax under the Wealth Tax Act, 1957.  
  5.  The bonds are not transferable but can be transmitted.  They cannot be sold in the secondary market. They are also not eligible as collateral for loans from banking institutions, non-banking financial companies or financial institutions
  6.  They can only be held in physical form by the investor - not demat. 
  7.   The bond tenure is 7 years from the date of issue for investors below age 60. a) Lock in period for investors in the age bracket of 60 - 70 years - 6 years from the date of issue. (b) Lock in period for investors in the age bracket of 70 - 80 years - 5 years from the date of issue.  (c) Lock in period for investors age of 80 years and above - 4 years from the date of issue. 
  8. In case of joint holders or more than two holders of the Bond, the above lock-in period will be applicable even if any one of the holders fulfills the above conditions of eligibility. The effective date of premature encashment for eligible investors will be 1st August and 1st February every year. However, 50% of interest due and payable for the last six months of the holding period will be recovered in such cases, both in respect of Cumulative and Non-cumulative bonds. 
  9. Paperwork required to apply will be the application form, PAN card, Aadhaar card/proof of address and your cheque!
  10.  The biggest plus of these bonds is the safety - it is guaranteed by the Government of India. In addition, the interest rate is higher than FD's in banks currently. However, the downsides are that the interest is taxable. More importantly, if interest rates go up, you will be stuck with a product that is earning you less.

14 March 2018

Breaking the Writer’s Block on Finance for the Network of Women in Media, Mumbai

·       Paranoid about numbers? Do you get cross-eyed when your CA sends you all those forms?

·       Have more than a couple of lakhs lying in your savings account and would like to make it work harder for you?

·       Ever worried about how you would manage in this hire/fire culture?

·       Will medical costs eat into your retirement nest? Hey - do you have a retirement nest at all?

·       Could freelance work be an option? Are salaried people really at advantage? What do you need to think about before you take the plunge?

·       Why on earth do you need to write a will?


These were some of the questions discussed on 24th Feb 2018 with the dynamic women in media.

Let’s Talk Business - Cafe Mutual 2018


Ajith Menon - putting me on the spot about saying 'No' to clients, not having a visiting card and other such crazy questions

Co-Hosting the Network FP National Conference-19th Jan 2018




This was a fun event - total tongue in cheek - gently roasting the speakers - it was a lot of hard work but tons of laughs! The topic was close to my heart too! Ethics at heart, Growth on Mind.


27 November 2017

Ouch! I broke my writing arm!

Have you ever thought about this? If you are single, most likely you operate your bank accounts and investments in your single name.

What if you have a fall and can't sign for a few weeks or months? How would you pay your bills, draw money or access your investments? It's a thought that has haunted me over the last few months whilst I stepped in to help a friend in a similar situation.


25 November 2017

Dummies Guide to Your Monthly Portfolio!

We send you a monthly report of what you have invested in so that you can track your progress. Do your eyes glaze over when you try and read these reports?  It does have a lot of info, so for those of you who just want to take baby steps, a few simple pointers:





On the first page of your report, there is a graph titled Current Asset Allocation- take a peek. It tells you how much you have in debt (interest earning investments) and how much in equity mutual funds. If you like big words, or want to impress your better half, casually mention how your asset allocation is exactly how you planned it. Asset allocation should be based on your goals, your risk taking ability and capacity. Maintaining the right balance is crucial - you know all that stuff about not having all your eggs in one basket?