News Digest: '8167 wilful defaulters owe banks Rs 76,000 cr'

		THE TIMES OF INDIA
		Wednesday, July 20, 2016
		Today's Headlines

		India
		'8167 wilful defaulters owe banks Rs 76,000 cr' House to name & shame disrupters? A new plan is being devised to name and shame members who disrupt proceedings in Parliament. But the opposition parties will almost certainly oppose any such move as an infringement on their democratic right to protest and against the spirit of the parliamentary system. NIA: IS wanted to set up wing in Bangladesh More India News»

		Business
		Ashoka Buildcon bags Rs 2,086 crore projects from NHAI HDFC masala bonds issue to pave way for others: Moodys The success of the first Masala Bond issued by a domestic finance company, by home loan major HDFC which raised Rs 3,000 crore last week, is likely to spur government-backed finance cos to tap this route to raise money from abroad without taking currency risks, global ratings major Moody’s said. Wipro Q1 net profit dips 6.7% to Rs 2,059 crore Country's third-largest software services firm Wipro on Tuesday posted 6.7 per cent decline in its net profit at Rs 2,059 crore for the quarter ended June 2016. The company had reported a net profit of Rs 2,207.4 crore in the year-ago period, Wipro said in a statement. More Business News»

		Environment
		Glaciers melting at 5 to 20 metre rate annually: Govt Illegal wildlife trade on popular websites: Govt Trade of rare animals and their body parts is going on through popular websites including quikr, olx, eBay, amazon and youtube, the government said on Monday. Environment minister furnished a list of 106 such websites collated by the Wildlife Crime Control Bureau. China's first panda born through natural mating in 2016 A seven-year-old giant panda has given birth to a cub through natural mating at a breeding centre in China, becoming the first to be born this way in the country this year. Keepers do not know which male fathered the cub, or its gender. This is the mother's, Shuqin, first cub. More Environment News»

		World
		Airstrikes on IS-held villages in Syria kill 56 Airstrikes on Islamic State-held villages in northern Syria killed at least 56 civilians on Tuesday as intense fighting was underway between the militants and U.S-backed fighters, Syrian opposition activists and the extremist group said. Hollande urges Europe to tighten security after attacks French President Francois Hollande urged Europe to beef up security as he arrived in Portugal on Tuesday for talks on the European Union's future. "It is up to Europeans to ensure their security," Hollande said, describing it as "the number one priority." China allocates $ 10 billion to fight rural poverty China on Tuesday allocated $10 billion to support the development of its poor regions where over 70 million people lived below the poverty line. The Ministry of Finance (MOF) said that more than 66 billion yuan ($ 10 billion) has been approved for local authorities, up over 40 per cent year on year. More World News»

		Entertainment
		All you need to know about 'Happy Bhag Jayegi' 'Happy Bhag Jayegi' stars Abhay Deol, Diana Penty, Momal Sheikh, Ali Fazal and Jimmy Sheirgill. Anurag Kashyap plays cupid for 'Makdee' actress ‘Makdee’ actress Shweta Basu Prasad found love in the arms of upcoming filmmaker Rohit Mittal, all thanks to ‘Raman Raghav 2.0’ director Anurag Kashyap. Will Shah Rukh Khan and Hrithik Roshan avert a BO clash? Shah Rukh Khan and Hrithik Roshan; (inset) Ritesh Sidhwani and Rakesh Roshan More Entertainment News»

		Science
		Same set of genes can cause happiness and depression Researchers have found that the same set of genes that make us prone to depression could also lead us to positivity in life. The findings showed that cognitive biases occur when people consistently interpret situations though particular mental 'filters.' Glaciers melting at 5 to 20 metre rate annually: Govt Roach proteins show way to superfood Cockroaches have never brought a pleasant expression on people's faces. Will that change if we know they are a source of milk protein that has thrice the calorific content of buffalo milk? Or that scientists are actually mulling food supplements made using synthesised protein crystals that will match all properties of those generated by roaches? More Science News»

		Sports
		India must win big against West Indies to retain second spot Top-ranked Australia and second-ranked India will have to complete comprehensive wins in their upcoming away Test series against Sri Lanka and the West Indies, respectively, to not lose crucial points in the ICC team rankings. In Mohd Kaif, Chhattisgarh gets inspirational leader Mohammad Kaif became the first captain of Chhattisgarh — the newest entrants in Indian domestic circuit. The former India middle-order batsman might just be the kind of leader Chhattisgarh needs. IOC studies 'legal options' on Russia ban from Rio Olympics Russia's participation in the Rio Olympics was still in the balance on Tuesday after the International Olympic Committee (IOC) said it would "explore legal options" for banning the country from the Games. More Sports News»

		Technology
		Here's how to chat with new font on WhatsApp The developers have silently rolled out a new feature on the WhatsApp Android app which allows user to type in a new font, which is similar to Fixedsys in Windows. These 5 technologies are replacing your passwords Revealed, the third variant of iPhone 7 launching this year The iPhone 7 Pro also has smart magnetic connector in the lower back panel. We assume it may be used specifically with some battery accessory. More Technology News»

		Education
		IISc top Indian institute in 2016 BRICS rankings The 2016 edition of the QS World University Rankings for BRICS nations has ranked IISc Bengaluru as the top Indian university. India has eight universities in the top 50. But India’s representation remains below that of China that has 86 universities. Political scientist from JNU is new Goa varsity VC Internationally known political scientist Dr Varun Sahni has been chosen to be the new Goa University vice-chancellor, the chancellor Mridula Sinha's office has informed the varsity on Tuesday. Planetarium reaps pure science returns Reap, a three-year weekend course in physics, aims to help undergraduates get into research institutions across the country by giving lessons through non-formal methods. According to officials, Reap is as tough as any endeavour in pure science. More Education News»

		Mumbai
		3 killed as car jumps divider, hits cab, Dzire on E-freeway Three people were killed and two injured after a speeding car collided with two vehicles, including a cab, on the Eastern Freeway on Tuesday morning. 2 navy boats sink in city, big mishap averted Five vigilant Indian Navy personnel averted a major disaster by jumping into the waters off Naval Dockyard after two indigenously built immediate support vessels (ISVs) caught fire early on Tuesday. Balasaheb Thackeray saw me as natural political heir: Estranged son Jayadev Thackeray, estranged son of late Shiv Sena chief Bal Thackeray, on Tuesday informed the Bombay high court that his exit from Matoshree had its beginnings with first wife Smita Thackeray’s interest in politics, despite his attempts to persuade her to “not join politics” as she was a “good wife” More Mumbai News»

		Delhi
		Now, 59 kg of seized gold missing from IGI airport vault Regular cases of gold missing from the high security vault of the customs at Indira Gandhi International Airport seems to be more than just random thefts. AAP worker poisons self Panel suspects more bogus gold stored More Delhi News»

		Bangalore
		Not just commuters, even students and patients put up with blaring horns NOISE ANNOYSBengaluru: Mavis Fernandes who was drawn to Cubbon Park's serenity has stopped visiting the lung space."I would meditate and practise yoga almost every day. Lungs of 3,000 traffic cops to be scanned to gauge impact of air pollution The air we all breathe is foul but it is traffic cops who are most vulnerable to pollution. First day first show. Star hotels to screen Rajini's Kabali Not just multiplexes, star hotels in the city too are trying to cash in on the Kabali wave.The Rajinikanth-starrer is set to create history in Indian cinema by being the first movie to premier in star hotels. More Bangalore News»

		Hyderabad
		Excise dept's drive against serving of liquor to underaged Hyderabad, Jul 19 () The Prohibition and Excise department in Telangana has intensified its drive against establishments serving liquor to underage persons, in the wake of death of three members of a family in a road mishap here caused by a youngster, who was driving in an inebriated condition. Scuffle at UoH: JAC demands removal of Chief Proctor Hyderabad, July 19 () The Joint Action Committee for social justice at the University of Hyderabad (UoH) here which is heading the protests over Dalit research scholar Rohit Vemula's death today demanded the Chief Proctor Prof Alok Pandey should be removed from his post. Check borrowers' profile before lending money: Guv tells MFIs Hyderabad, Jul 19 () The microfinance institutions (MFIs) should not carry people on the "dream path" of consumerism and must undertake due diligence of prospective borrowers before lending money to them, Telangana and Andhra Pradesh Governor E S L Narasimhan said today. More Hyderabad News»

		Chennai
		HC refuses to declare search by IT officials as illegal Chennai, July 19 () Refusing to declare as illegal a search by Income Tax officials on Advantage Strategic Consulting Private Limited, Madras High Court today said if the prayer sought for is to be considered, it would result in interdicting an investigation process. Defacement in public places: HC says violators must pay Chennai, Jul 19 () The Madras High Court today made it clear that the financial repercussions must flow to violators who must pay for expenditure incurred for removing defacements of public places. HC notice to govt on plea for cancelling bail to MBBS students Chennai, July 19 () The Madras High Court today issued notice to the Tamil Nadu government on a petition seeking cancellation of bail granted by a lower court to two MBBS students, who had thrown a five-month-old stray dog from the terrace of a three-storied building earlier this month. More Chennai News»

		Ahmedabad
		Gujarati to English glossary published Apart from the board, several tuition teachers are also making their own lists of English words, which given to students and is used during classes. 'I paid officials 5 crore bribe' Talati Scam Accused Champawat Says He Has Proof Against Others Two arrested for murder of a labourer Kheda police have arrested two persons for the murder of Natu Khant, a farm labourer and native of Panchmahal.He was killed on April 24 at Dabhan village. More Ahmedabad News»

		Allahabad
		'Gau bhakts' seek blessings from cow on Guru Poornima Opting for a unique way to celebrate Guru Poornima, 'gau bhakts' (cow devotees) in Sangam city have sought blessings from cows. RSS eyes Rakshabandhan, attempts to attract Muslim women In a clear cut attempt to give a makeover to its anti-Muslim image, the Prayag Vibhaag of the Rashtriya Swayamsevak Sangh will facilitate the Rakshabandhan celebrations involving around 100-150 women of minority community. Clarion call for 'save water, save earth' Public will be motivated to conserve rainwater through rooftop harvesting.Focus is on urban areas where groundwater table is fast depleting. More Allahabad News»

		Bhubaneswar
		Puri fiasco: Nine servitors suspended, six held The police on Tuesday arrest five more servitors for allegedly manhandling media persons in Puri during Niladribije, the deities’ return celebration from the chariots to the sanctum sanctorum. Woman throws her kids in well In a shocking incident, a 28-year old woman threw her three kids in a well adjacent to her home in Keshrajpur village in Boden block in Nuapada district on Tuesday morning. Crocodile captured from Paradip creek Forest officials of Bhitarkanika National Park on Monday caught a 6-ft-long male crocodile, which had strayed into a creek in Paradip on Friday. More Bhubaneswar News»

		Bhopal
		Sangh autopsy on civic poll defeat Did Dalit Card Backfire, RSS Asks Party | Unreserved Students To Get Govt Aid After flood relief op, SDRF keeps a vigil at tourist spots Happy ending for rape survivor mom, in-laws embrace her A woman delivered a baby boy just 10 days after her marriage, but unlike other cases, she was not suspected of infidelity.Moreover, the woman's husband and in-laws have accepted both mother and child. More Bhopal News»

		Chandigarh
		Facial surgery done, Saira headed for AIIMS Education in govt schools gets smart Kamini.Mehta@timesgroup.comPix with Dinesh (DO not use without Pictures of Behlana GSSS) Students of classes VI to VIII in 10 government schools of the city are finally getting "smart" education. Youth killed as SUV overturns A 24-year-old resident of Hisar, Haryana, who lived in Manimajra, Chandigarh died after his SUV overturned on the Pinjore highway. More Chandigarh News»

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Can you get better returns by timing the stock market?

THE ECONOMIC TIMES Tue, Jul 19, 2016 | 08:01 AM IST ET Wealth Newsletter

WHAT'S HOT #HowtofileTaxReturns, #HealthInsurance, #TermInsurance

Can you get better returns by timing the stock market? A study reveals that regular investing, coupled with a long-term outlook, tend to yield better returns than timing the market. Are you fit to invest in stocks? To succeed, an investor must have the right temperament and reasonable expectations from the market. Tax mistakes to avoid if you switched jobs last year If you also have two Form 16s, do not forget to add the income from the two employers when you file your return. Is it time for debt MF investors to switch from long term funds? Declining yields mean bond prices are inching upwards, since bond prices and yields move in opposite directions. Where does that leave investors in bond funds? From our Partners Are you financially literate? Find out how clear you are about investing Though the financial services industry claims that it is spreading investor awareness, a significant percentage of educated Indians remain financially illiterate. From our Partners What is not covered by your motor insurance policy If you know anything about insurance policies, you know that nothing in that cover comes without an asterisk mark. While what is covered is written in big and bold, the exclusions, terms and conditions are often in fine print and also loaded with jargon. Your car insurance policy isn't any different. Clear up previous years' pending tax demands to ensure smooth refunds in future Check the status of previous years' returns to avoid foregoing refunds because of pending demands. How working youngsters can save while living away from home Young working individuals living away on their own tend to be poor money managers. With a little planning, they can save a lot. Why women need to financially plan retirement better than men Higher life expectancy, lower pay and fewer work years necessitate thorough planning. Should you invest in high yield NCDs? While NCDs have an advantage over corporate FDs, investors should tread with caution. From our Partners How to customize your life insurance policy with riders Riders are additional yet optional benefits in a life insurance policy and provide a financial cover over and above the basic sum assured. From our Partners How to be on the right side of debt Over-dependence on credit cards to meet day-to-day expenses may lead to a debt trap and if not managed properly, the damage can soon become irreversible. Here's how to use plastic money and still remain debt-free.

Financial Calculators Tax Impact Calculator This tax calculator will let you know how your tax liability changes post-Budget 2016. Just input your personal income details and know how much tax would now be payable. Home Loan Refinance Should you refinance your home loan? Use this calculator to find out if it is worthwhile to shift your home loan to another bank? Just enter the data and click next. It's that easy. More Calculators

Should celebrities be barred from endorsing insurance? Sebi does not allow fund houses to use celebrity endorsements to promote mutual funds. This is done to avoid possible mis-selling of a product. Real estate: Should you opt for a 'book now and pay later' scheme? In this day and age where project delays and loan defaults by developers have become the norm, it is important to tread cautiously on such schemes Draw less, earn more than inflation on corpus for a financially secure retirement It is not only about protecting your funds. You have to invest and make it grow if you want the money to last and fight inflation, says Uma Shashikant. Kids pocket money up 100% since 2012: Turner International India study The study covered 6,690 respondents, including 7-14 year kids and parents of 4-14. Delhi-based Sachdeva can halve tax outgo by revamping pay structure, buying medical insurance Tax optimizer: How to restructure income, investments and expenses to optimise tax. US FDA nod for new units, cost cutting make Dishman Pharmaceuticals stock analysts' favourite With the ground work for growth in place, Dishman may soon become a mid-cap company. SBI Contra Fund: Beats benchmark, but lags peers The fund leans heavily towards large-caps compared to many of its peers in the multi-cap space which are mid-cap oriented. Smart things to know about pledging your MF units Here are a few smart things to know about MFs. Mutual fund investments: How to 'pause' your SIP An SIP is designed to continue till the end date mentioned in the application form. A few MFs now offer the option to 'pause' the investment for a limited period. 8 ways to use pay hike to increase financial security The incomes of government employees and pensioners will rise next month. Here are eight suggestions on how to handle this sudden flush of liquidity. Number of Indian HNIs grew 55% from 2007 to 2015: New World Wealth report "We expect the number of Indian HNIs to grow by 135%, to reach around 5,54,000 by 2025," the report stated. RBI asks banks to exchange up to 20 soiled notes with max value Rs 5000 free of cost In case notes are presented in bulk banks will accept them, against a receipt, for the value to be credited later. Startup CredR's online marketplace is zooming on used two-wheelers This Mumbai-based startup, less than two years in operation, has seen a sharp growth. 27-year-old Chawla needs to stagger goals in line with available surplus Chawla will need to match her clarity of goals with a disciplined investment regimen. No form 16 yet? You can still file your income tax returns With the tax-filing deadline closing in and no sign of Form 16 yet, it is best to gather all your documents, calculate your liability and file returns. Alternative investment returns monitor: For week ending 13 July, 2016 The scope and attractiveness of alternative investments is increasing. Here's a weekly tracker of returns from such investments. Tax mistakes to avoid if you switched jobs last year If you also have two Form 16s, do not forget to add the income from the two employers when you file your return.

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