..... . VALI disclosures . .....: 17/11/25, BIZnews/Market Graphs

Monday, November 17, 2025

17/11/25, BIZnews/Market Graphs

NIFTY BANK

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MANAPPURAM FINANCE

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US markets closed mixed as uncertainty rose over whether the Federal Reserve will delay a December rate cut. The Dow Jones fell 0.65 per cent to 47,147.48, the S&P 500 slipped 0.05 per cent to 6,734.11, while the Nasdaq inched up 0.13 per cent to 22,900.59. For the week, the Dow gained 0.3 per cent, the S&P 500 added 0.1 per cent, and the Nasdaq declined 0.5 per cent.

President Donald Trump signed an executive order easing tariffs on imported items such as beef, coffee, coconuts, and avocados. These products are not produced in sufficient quantities within the US, making the tariff relief a supportive step for importers.

US Treasury Secretary Scott Bessent said a rare earths agreement with China could be finalised by Thanksgiving. Earlier, the US agreed not to impose 100 per cent tariffs on Chinese goods, while China paused export licensing plans for key rare earth minerals and magnets.

Trump stated that Republicans are working on legislation to penalise countries trading with Russia and suggested that Iran may also be included in future sanctions.

Japan recorded its first GDP contraction in six quarters with an annualised decline of 1.8 per cent for July-September, better than expectations of a 2.5 per cent fall. The previous quarter had shown revised growth of 2.3 per cent.

Bitcoin dropped below USD 93,714 on Sunday, erasing its year-to-date gains after hitting a record of USD 126,251 on October 6. It later recovered slightly and traded near USD 95,000.

Gold prices edged higher by 0.3 per cent to USD 4,097.22 per ounce, halting a two-day decline.

The dollar index rose 0.07 per cent to 99.34 as it strengthened against currencies such as the yen and the euro.

For today, SAIL will remain on the F&O ban list.

Disclaimer: The article is for informational purposes only and not investment advice.

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COMMODITIES

Gold Rate in India: Gold prices witnessed considerable volatility last week amid uncertainty over the US government shutdown and rising geopolitical tensions.

After a steep correction from record highs, both gold and silver have been gradually recovering over the past week, with many analysts viewing this rebound as a potential foundation for the next rally. With demand staying firm, all eyes are now on how gold and silver will move on Monday, November 17.

The price of 24 karat gold in India remained close to Rs 1.25 lakh per 10 gram, 22 karat gold was also hovering above Rs 1 lakh mark. The precious metal remains in demandgol among investors as well as retail jewellery buyers.

Gold Rate in India

The price of 24 karat gold in India stood at Rs 12,508 per gram on Sunday, November 16. Whereas, the rate of 22 karat gold in India remained at Rs 11,465 per gram. Likewise, the rate of 18 karat gold in India stood at Rs 9,381 per gram.

Silver Rate in India

The price of silver in India remained stable on Sunday. Silver rate stood at Rs 169 per gram and at Rs 1,69,000 per kilogram. The price of silver in India is closel tracked by investors because of the precious metal's high industrial demand and limited supply.

Gold, Silver Rate MCX

Gold future with December expiry closed higher at Rs 1,26,751 per 10 gram on Friday, November 17. Whereas, the silver futures with December expiry stood at Rs 162470 per kilogram. The international gold prices on Friday declined marginally but remained near $4,100 per ounce, as per Trading Economics.

Gold, Silver Price Outlook

The price of gold and silver are likely to remain volatile and may see some upward moment. However, a sharp jump in gold rates is unlikely to take the 18 karat gold rate above Rs 1 lakh (per 10 gram today. In the long-run gold and silver prices are likely to rise due to their safe-haven demand, expectations of US Fed rate cut in December and other reasons.

"While the Gaza conflict has subsided, geopolitical risk remains high due to the ongoing war between Russia and Ukraine, as well as the growing strategic split between the United States and China. This maintains safe-haven demand and helps to support gold prices. The recent decline appeared to be a pure correction, with long-term structural forces soon propelling the price back up again," stated Justin Khoo, Senior Market Analyst - APAC, VT Markets.

Report prepared by Sharmila Bhadona from goodreturns.in

Disclaimer: The views and recommendations expressed are solely those of the individual analysts or entities. All information is provided for informational and educational purposes only and should be independently verified from licensed financial advisors before making any investment decisions.

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Trade Cycles

The four important features of Trade Cycle are (i) Recovery, (ii) Boom, (iii) Recession, and (iv) Depression!

The trades cycle or business cycle are cyclical fluctuations of an economy. A full trade cycle has got four phases: (i) Recovery, (ii) Boom, (iii) Recession, and (iv) depression. The upward phase of a trade cycle or prosperity is divided into two stages—recovery and boom, and the downward phase of a trade cycle is also divided into two stages—recession and depression.

Phases of Trade Cycle:

The phases of trade cycle are explained with a diagram:

(1) Recovery:

In the early period of recovery, entrepreneurs increase the level of investment which in turn increases employment and income. Employment increases purchasing power and this leads to an increase in demand for consumer goods.

As a result, demand for goods will press upon their supply and it shall, thereby, lead to a rise in prices. The demand for consumer’s goods shall encourage the demand for producer’s goods.

The rise in prices shall depend upon the gestation period of investment. The longer the period of investment, the higher shall be the price rise. The rise of prices shall bring about a change in the distribution of income. Rent, wages, interest do not rise in the same proportion as prices.

Consequently, the margin of profit improves. The wholesale prices rise more than retail prices. The prices of raw materials rise more than the prices of semi-finished goods and the prices of semi-finished goods use more than the prices of finished goods.

(2) Boom:

The rate of investment increases still further. Owing to the spread of a wave of optimism in business, the level of production increases and the boom gathers momentum. More investment is possible only through credit creation. During a period of boom, the economy surpasses the level of full employment and enters a stage of over full employment.

(3) Recession:

The orders for raw materials are reduced on the onset of a recession. The rate of investment in producers’ goods industries and housing construction declines. Liquidity preference rises in society and owing to a contraction of money supply, the prices falls. A wave of pessimism spreads in business and those markets which were sometime before sellers markets become buyer’s markets now.

(4) Depression:

The main feature of a depression is a general fall in economic activity. Production, employment and income decline. The prices fall and the main factor responsible for it is, a fall in the purchasing power.

The distribution of national income changes. As the costs are rigid in nature, the margin of profit declines. Machines are not used to their full capacity in factories, because effective demand is much less. The prices of finished goods fall less than the prices of raw materials.

✳Reality Tips to Traders

1)Trading in the stock market is a marathon. 2)Protecting your capital is key. (Learn to protect first) 3)Making 0 on the day is better than losing 50k 4)Losses happen; they are part of this business. 5)It’s not you vs. the market. It’s you VS you. 6)You are your biggest enemy; learn to be mentally disciplined. 7)Don’t follow the majority; follow the correct path. 8)Traders without a stop loss end up not being traders for long. 9)There is always another trade. 10)The big money is made waiting for the right set-ups. 11)Waiting for the right trade is the most powerful strategy. 12)It is better to cut a loss than to wait to be proven right. 13)Position sizing can make or break you. 14)Worry about the downside before you even think about the upside. 15)Don’t listen to headlines

..BANKING TERMINOLOGY

There are various types of Banks: PSU Banks, Private Banks, Co-operative/Regional Banks, Small Finance Banks and Foreign Banks. When you deposit money in a bank, let's say the bank gives you an interest rate of 4%. But when the bank lends out this money, they lend it out at say, 12%. The difference of 8% in the above scenario is effectively the profit of the bank! The loans that do not pay interest for 90 days are known as Non-performing Assets. Banks have to provide for such bad loans. Structure of a Bank Asset for a Bank: The asset portion of a bank's capital includes cash, government securities, and interest-earning loans (e.g., mortgages, letters of credit, and inter-bank loans). Liabilities for a Bank: The bank's main liabilities are its capital (including cash reserves and, often, subordinated debt) and deposits. The latter may be from domestic or foreign sources (corporations and firms, private individuals, other banks, and even governments). Banks are required to maintain Liquidity with the Reserve Bank of India: SLR (Statutory Liquidity Ratio): It is the money a bank needs to preserve in the form of cash, gold or government Bonds before providing credit customers. This limitation is added by RBI on banks to make funds available to customers on-demand at your earliest convenience. Banks are required to maintain SLR at 18%. CRR (Cash Reserve Ratio): Banks are required to hold a certain proportion of their deposits in the form of cash. Banks don’t hold these as cash with themselves, but deposit such amounts with RBI / currency chests. CRR rate is at 4.5% currently. Repo Rate: The rate at which the RBI lends short-term money to the banks. The RBI through its Monetary Policy committee changes the repo rate to balance growth and Inflation. Reverse Repo rate: The rate at which banks park their short-term excess liquidity with the RBI. Now let us understand various terminologies for Banks Net Interest Income (NII): This is the spread the bank makes on its lending. It is calculated as Interest Income – Interest Expended Net Interest Margin (NIM): This is the spread the bank makes on its lending. It is the earning which is left after deducting the cost paid to depositors from its yields on Loans. This is denoted in % terms. The formula is Yield on Loans – Cost of funds Capital Adequacy Ratio (CAR): The capital adequacy ratio (CAR) is a measure of a bank's available capital expressed as a percentage of a bank's risk-weighted credit exposures. Essentially, it is the Capital that is available to lend. Tier I Capital – In simple words this capital is freely available with the bank to lend out. Tier II Capital- This is the capital tied up somewhere and is less freely available to lend. In case of an adverse event, the bank can use this capital to lend. Under Basel III norms, a bank’s tier 1+tier 2 capital must be a minimum of 8% of its risk-weighted holdings. The minimum capital adequacy ratio, also including the capital conservation buffer, is 10.5%. Current Account Saving Account (CASA)- There is no interest paid on the Current Account and a small interest rate is paid on a savings account. The combination of both is called CASA which shows the liabilities of the bank on which it pays relatively less interest. Deposits: Bank deposits are a savings product that customers can use to hold an amount of money at a bank for a specified length of time. In return, the financial institution will pay the customer the relevant amount of interest, based on how much they choose to deposit and for how long. Now let us come to NPA. Gross NPA (GNPA): It is the total loans on which no payment has been paid for 90 days or more. GNPA % is usually shown in each Bank’s quarterly results. The percentage is basically the GNPA amount as a % of the total advances. Slippages: Slippages denote the fresh amount of loans that have turned bad in a year. The slippage ratio of a bank is calculated as Fresh accretion of NPAs during the year /Total standard assets at the beginning of the year multiplied by 100. Provisioning Coverage Ratio (PCR): This is the ratio of provisioning to GNPA and indicates the extent of funds a bank has kept aside to cover loan losses. For Instance, a company has GNPAs of Rs 100 and they have set aside 50 Rs, then the PCR is 50%. Net NPA (NNPA): The total figure left after deducting provisions made for bad loans from GNPA. (GNPA – Provisions+upgrades/writeoffs = NNPA) Special Mention Account (SMA) SMA-0 is a category in which stress with respect to the principal and interest has remained overdue for a period of 0 to 30 days. SMA-1 is a category in which stress with respect to the principal and interest has remained overdue for a period of 30-60 days. SMA-2 is a category in which stress with respect to the principal and interest has remained overdue for a period of 60-90 days

..... . VALI disclosures . .....

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Monday, November 17, 2025

17/11/25, BIZnews/Market Graphs

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