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26 Apr 2018

Phoenix Lamps Share Price May 2018

Phoenix Lamps Share Price May 2018 - All about Phoenix Lamps Share National Stock Exchange (NSE) & Bombay Stock Exchange (BSE) ✓ stock market reports ✓ historical charts ✓ market performance ✓ financial report ✓ option price ✓ technical chart ✓ volume ✓ latest trends & more live stock market updates online at www.sbimoney.in.





PHOENIX LAMPS LIMITED DETAILS


Bank Name Phoenix Lamps Limited
Funded on 1991
Customer Service NA
Official Website www.phoenixlamps.co.in

LAST 10 YEARS PHOENIX INCOME STATEMENT

2012
2013
2014
2015
2016
Revenue
3,945 4,699 14,485 16,533 17,786
Cost of revenue
-973 -827 -3,500 -2,813 -2,847
Gross Profit
2,972
3,872
10,985
13,720
14,939
Sales, general & ad...
-858 -1,241 -4,201 -6,100 -7,038
Depreciation
-564 -475 -1,055 -1,681 -1,773
Provision
0 0 0 0 0
Other op inc/exp...
0 0 0 0 0
Operating income
1,550
2,157
5,729
5,939
6,128
Interest expense
-944 -1,430 -3,451 -3,956 -4,305
Other income/exp...
447 515 475 -626 -75
Profit before tax
1,053
1,242
2,754
1,357
1,747
Income tax & other ta...
189 428 909 493 746
Net income from c...
864 813 1,844 864 1,001
Extraordinary & disc...
0 0 0 0 0
Share of associates
93 11 -29 43 17
Minority Interest
100 17 -531 -553 -203
Net Income
1,056
842
1,285
354
815
NI - Preferred Di...
1,056 842 1,285 354 815
Basic shares
145 145 145 145 151
Diluted Shares
145 145 145 145 151
EPS Basic
7.29 5.81 8.87 2.45 5.42
EPS Diluted
7.29
5.81
8.87
2.44
5.41




LAST 10 YEARS PHOENIX LAMPS NSE BALANCE SHEET DATA

2012
2013
2014
2015
2016
Cash and cash equiva...
1,000 683 851 920 1,956
Short-term investment
816 2,073 1,269 190 210
Accounts receivables
618 846 1,968 2,192 3,201
Inventories
2,516 7,770 11,417 11,783 13,240
Deferred income taxes
0 0 858 0 0
Other current assets
1,091 1,549 1,657 2,148 2,366
Total current assets
6,040
12,921
18,019
17,233
20,972
Gross property plant...
11,876 27,811 41,671 41,278 43,479
Accumulated Depriciat...
0 0 0 0 0
Net property, plant and Eq...
11,876 27,811 41,671 41,278 43,479
Work in Progress
13,591 1,670 2,350 2,138 1,949
Miscellaneous Investment
4,054 3,481 2,260 1,807 1,390
Deferred income taxes
247 477 0 1,047 1,108
Intangible assets
4 26 26 25 38
Goodwill
0 0 0 0 260
Other long-term assets
5,318 3,722 3,259 2,884 3,815
Total non-current assets
35,090
37,186
49,566
49,180
52,039
Total assets
41,130
50,108
67,585
66,413
73,011
Short-term debt
825 1,590 2,511 2,271 2,432
Accounts Payable...
689 813 1,536 1,050 3
Provisions
398 601 392 540 322
Taxes Payable
0 0 0 0 0
Deferred Revenues
0 0 0 0 0
Capital Leases
0 0 0 0 0
Other current liabilities
3,374 6,863 7,489 8,187 9,172
Total current liabilities
5,286
9,867
11,928
12,048
11,928
Long-term debt
14,138 16,741 28,328 28,190 34,004
Investments Liabilities
0 0 0 0 0
Deferred tax liabilities
0 0 0 0 0
Provisions
15 54 131 221 321
Capital Leases
0 0 0 0 0
Other longterm liabilities
1,019 1,507 2,761 3,004 3,561
Total non-current liabilities
15,172
18,302
31,220
31,415
37,886

Total liabilities
20,458
28,169
43,148
43,464
49,814
Share Capital
290 290 290 290 306
Share premium
0 0 0 0 0
Retained earnings
16,816 17,397 16,948 16,447 18,380
Accumulated other equity
0 0 0 0 0
Preferred Stock
0 0 0 0 0
Minority Interest
3,566 4,252 7,200 6,212 4,511
Total Equity
20,672
21,939
24,437
22,949
23,197
Total Liabilities and Equity
41,130
50,108
67,585
66,413
73,011

SBI Personal Loan Status May 2018 - Tracker, Account Statement, Application ID

SBI Personal Loan Status May 2018 - SBIMONEY.IN provides a direct link to track your State Bank of India (SBI) Personal Loan status on the basis of ✓ Loan Product ✓ LOS Application ID ✓ Date of Birth.





The State Bank of India (SBI) offers customers an online portal through which they can acquire their personal loan statements or interest certificates. This is a quick and convenient way for SBI customers to obtain the necessary information they require, without leaving the comfort of their home.

LENDER NAME State Bank of India
Description Personal Loan Status
Number of Branches 15969
SBI Helpline Number 1800 11 2211 (toll-free), 1800 425 3800 (toll-free) or 080-26599990.
Official Website www.sbi.co.in

STEPS TO TRACK ONLINE SBI PERSONAL LOAN STATUS

Via telephonic communication with customer care representative you can easy get your loan status. Follow the steps to get status online:

STEP1. Firstly logged into the official website i.e. www.sbi.co.in

STEP2. Contact the SBI helpline specific to your geographical location.

STEP3. Advise the helpline representative that you are calling to track the status of your SBI personal loan application.

STEP4. Verify your identity by providing information, such as your name, address and Permanent Account Number.

STEP5. Finally you get the status of your personal loan status.

SBI PERSONAL LOAN STATUS - TRACK HERE

SBI Xpress Credit Personal Loan EMI Calculator May 2018 - Interest Rates, Lowest EMI Online

SBI Xpress Credit Personal Loan May 2018 - Get quick easy and fast approval on State Bank of India (SBI) Xpress Credit Personal Loan. Calculate simply personal loan emi on the basis of Loan Amount, Interest Rate & Tenor with our online calculator.






State Bank of India offers a very attractive interest rate on Xpress Credit Personal Loan @ 12.55% - 15.05%, 2 year MCLR 9.25%, processing fee 1% of the Loan Amount + Service Tax, upto 5 years (60 months) repayment options, no prepayment penalties, NIL Margin, NIL Security & more.

Bank Name : State Bank of India

Product Name : Personal Loan

Product Type : Xpress Credit

Interest Rate : 12.55%-15.05%

MCLR Rate : 8.10% (for 2 years)

Official Website : www.sbi.co.in




For Xpress Credit Personal Loan of State Bank of India an applicant must have to net salary ₹7500 per month and EMI/NMI Ratio should not exceed 50.
Scheme Name Check Off Rate of Interest*
Xpress Credit Full Check-off
(Category I)
330 - 380 bps above 2 year MCLRi.e., 12.55% - 13.05% p.a. currently
Partial Check-off
(Category II)
430 - 480 bps above 2 year MCLRi.e., 13.55% - 14.05% p.a. currently
No Check-off
(Category III)
530 - 580 bps above 2 year MCLRi.e., 14.55% - 15.05% p.a. currently

STATE BANK OF INDIA MCLR effective from 01.01.2018


W.E.F.

TENOR

MCLR (In %)

01.08.2017

Over night

7.75%

01.08.2017

One Month

7.85%

01.08.2017

Three Month

7.90%

01.08.2017

Six Month

7.95%

01.08.2017

One Year

8.00%

01.08.2017

Two Years

8.10%

01.08.2017

Three Years

8.15%

SBI Xpress Credit Personal Loan Calculator - Calculate EMI Online


SBI Saral Personal Loan EMI Calculator May 2018 - Interest Rates, Lowest EMI Online


SBI Saral Personal Loan May 2018 - Get quick easy and fast approval on State Bank of India (SBI) Saral Personal Loan. Calculate simply personal loan emi on the basis of Loan Amount, Interest Rate & Tenor with our online calculator.




State Bank of India offers a little bit higher interest rate on Saral Personal Loan @ 17.65%, MCLR 9.25% for 2 year tenor, processing charges 2% - 3% of the loan amount + Service Tax with flexible repayment option 4 years (48 months) & more.
Bank Name : State Bank of India

Product Name : Personal Loan

Product Type : Saral

Interest Rate : 8. 40% above 2 year MCLR floating, currently 17.65% p.a.

Official Website : www.sbi.co.in

State Bank of India MCLR Effective From 01.08.2017

W.E.F.
TENOR
MCLR (In %)
01.01.2017
Over night
7.75%
01.01.2017
One Month
7.85%
01.01.2017
Three Month
7.90%
01.01.2017
Six Month
7.95%
01.01.2017
One Year
8.00%
01.01.2017
Two Years
8.10%
01.01.2017
Three Years
8.15%

SBI SARAL PERSONAL LOAN CALCULATOR - CALCULATE EMI ONLINE


USER SEARCH QUERIES/TRENDS MAY 2018

User Queries searches on SBI Personal Loan Rising % Updated on
sbi emi calculator for personal loan 450% 01.09.2016
online sbi personal banking 200% 01.09.2016
state bank of india personal loan 140% 01.09.2016
icici bank 140% 01.09.2016
sbi home loan interest rate 110% 01.09.2016
axis bank personal loan interest rate 110% 01.09.2016
icici personal loan interest rate 100% 01.09.2016
home loan calculator 90% 01.09.2016
hdfc credit card 70% 01.09.2016
personal loan interest rate 60% 01.09.2016
sbi loan calculator 50% 01.09.2016
sbi personal loan apply 50% 01.09.2016
canara bank personal loan 40% 01.09.2016

SBI Home Loan Eligibility Calculator May 2018 - Calculate & Compare EMI Online

SBI Home Loan EMI Calculator May 2018 - On the premise of Interest Rate, Loan Amount, Repayment & Processing Charges calculate your Home Loan EMI with tool provided by www.sbimoney.in.





State Bank of India offers Home Loan up to ₹ 1 crore at very competative interest rate 8.30*% (for Women) and 8.40% (for others) with no prepayment penalties, tax benefit, around 15,969 branches all over India & more.


The bank lends only 75-85% of the value of the home, the balance is paid by itself. On the other hand, the advantage is that you will have to pay very few EMIs every month, interest rates will decrease, and soon there will be loan approval soon.

To complete the process of obtaining home loan, you can go to the nearest branch of the bank and meet with the bank representative who will help you complete your loan process. To get the loan, fill out the application form and submit it along with all the documents. When you submit a Home Loan Application, you will have to pay the processing fee which can be 0.25% to 1% in different banks.

 IMPORTANT INFORMATION Rates, Fees & Charges
Loan Amount up to Rs 10 crore
Interest Rate 8.30% to 8.40%
Processing Fee Zero Processing Fees
Partial Pre-Payment Charges NIL
Pre-closure Charges NIL
Repayment Charges NIL
Repayment Tenure up to 30 years
Guarantor Requirement NO
Number of Branches 15969
SBI Helpline Number 1800 11 2211 (toll-free), 1800 425 3800 (toll-free) or 080-26599990.
Tax Benefits Yes

SBI HOME LOAN EMI CALCULATOR MAY 2018





Factors to consider while choosing your home loan

  • Interest Rate
  • EMI
  • Loan Tenore
  • Interest Type – Fixed or Floating
  • Processing Fees
  • Loan Prepayment Terms
  • Quantam of Loan
  • Penalty for Late Payment
  • Loan Agreement
  • Loan Approval  Process
  • Terms and Conditions
  • Tax Benefits
  • Home Loan Transfer Process

USER SEARCH QUERIES ON SBI HOME LOAN - MAY 2018



User Related Queries on SBI Home Loan Calculator
Rising %
Update Date
emi calculation formula 140% 12.12.2017
www.sbi.co.in 60% 12.12.2017
sbi.co.in 60% 12.12.2017
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sbi home loan certificate 50% 12.12.2017
sbi home loan interest certificate 50% 12.12.2017
sbi home loan interest rate cut Breakout 13.05.2017
sbi home loan rate cut Breakout 13.05.2017
sbi home loan interest rate cut 2015 Breakout 13.05.2017
sbi home loan interest rate cut 2016 Breakout 13.05.2017
sbi cuts home loan interest rates Breakout 13.05.2017
sbi new home loan interest rate Breakout 13.05.2017
new sbi home loan interest rates Breakout 13.05.2017
sbi reduces home loan interest rates +4,000% 13.05.2017
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sbi reduces home loan rates
+1300%
04.04.2017
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+600%
04.04.2017
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+550%
04.04.2017
sbi base rate
+500%
04.04.2017
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+300%
04.04.2017
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+300%
04.04.2017
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+250%
04.04.2017
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+200%
04.04.2017
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+200%
04.04.2017
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+160%
04.04.2017
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+150%
04.04.2017
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+120%
04.04.2017
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+120%
04.04.2017
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+120%
04.04.2017

what is mclr rate

+350%

21.03.2017

home loan interest rate calculator

+170%

21.03.2017

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+130%

21.03.2017

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+110%

21.03.2017

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+100%

21.03.2017

sbi home loan application

+100%

21.03.2017

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+100%

21.03.2017

sbi home loan customer care toll free number

+80%

21.03.2017

SBI Home Loan Transfer May 2018 - Transfer Process, Charges, Take Over

SBI Home Loan Transfer May 2018 - Get information on how to transfer home loan to SBI, Charges, Take Over Processing Fee, Interest Rate, EMI after transfer your Home Loan at SBI.

Your Unpaid/Outstanding Amount of Your Existing Bank/Lender will paid by New Lender to Close the Existing Loan. A new Loan with New Lender will Start and Previous Lender will issue an Loan Closure/No Objection Certificate.






ROI & PROCESSING CHARGES ON HOME LOAN BALANCE TRANSFER

For Women Borrowers For Other Borrowers
Interest Rates 8.60% 8.65%
Per Lakh EMI Rs. 776 Rs. 780

Total Interest Payable

1,79,364 1,80,645

Total Payment
(Principal + Interest)

2,79,364 2,80,645
Processing Charges\ Rs. 5000 - Rs. 6500 depending on loan amount Rs. 5000 - Rs. 6500 depending on loan amount
Legal & Valuation Charges Rs. 4800 - Rs. 5500 depending on property type Rs. 4800 - Rs. 5500 depending on property type




TAKEOVER OF HOME LOANS


Due to a high disparity between interest rates for existing and new customers, several home loan customers are unhappy with the high rates they are being forced to pay. But when banks start discriminating between you and its new customers, it’s time for you to transfer your home loan to a lower interest rate and save money.

1. Whether Home Loan can be taken over from the following Institutions?
  • Scheduled Commercial Banks (SCBs);
  • Private and Foreign Banks;
  • Housing Finance Companies (HFCs) registered with National Housing Bank (NHB);
  • Borrowers employers if they are Central/State Govts. or their undertakings or Public Sector Undertakings,
Yes. subject to the following:-
  • Borrower should satisfy the eligibility criteria for availing Home Loan as per the Banks instructions.
  • The borrower should have serviced interest and/or instalment of the existing loan regularly, as per the original terms of sanction.
  • The borrower has valid documents evidencing the title to the house/flat.
2. Whether take over with sanction of Higher Loan Amount & extended Repayment Period is possible?

Yes.Based on the merits of the case and requirements/ eligibility of the borrower, the Bank July sanction an amount higher than the amount taken over from other bank/ financial institution for purposes of renovation/ extension/ furnishings. Similarly extended repayment period July be sanctioned provided that at all times the criteria regarding maximum permissible finance and security margin under the Bank's scheme are not diluted.

3. What is the procedure for Take Over?
  • The borrower should address a letter to the bank/ financial institution from whom he has availed the loan asking them to deliver, immediately upon receipt of the loan amount, the title deeds and other securities, if any, direct to our lending branch;
  • The borrower should give to the branch a request letter for paying to his existing lending bank / financial institution the outstanding amount of his loan by debit to his loan account;
  • The borrower must give an advice of the actual outstandings (with up-to-date interest) in the loan account from the other bank/ financial institutions;
  • the statement of Account for the entire period of loan or for the last 10/12 months where the loan has run for a longer period;
  • Confirmation letter from the financing Bank that they have created an equitable mortgage over the property.
4. What are the documents required for availing the loan?

Disbursal must be effected only subject to the above information being found satisfactory and completion of formalities as regards
  • Agreement to create Mortgage,
  • Power of Attorney in the favor of the Bank authorizing the Bank to create equitable mortgage on the borrowers behalf.
  • Interim security (Ex: Bank Deposit Receipts, LIC Policies, etc) and the security obtained in the interim period will be released after receipt of the title deeds then the other Bank and creation of a valid equitable mortgage subsequent to verification of the borrower's title to the property.
  • Required loan documents.
5. Whether Pre-payment penalty is funded?

Yes. Total loan quantum, will however, continue to be determined by eligibility criteria based on income, EMI/NMI ratio, LTV ratio etc. applicable to Home Loans scheme.

6. Whether takeover of Home Loan with Top up loan is permitted?

Yes. Home Loan with top up loan can be taken over subject to Maximum LTV of 75 % and fulfillment of other terms and conditions of takeover. Processing fees for such takeover has been waived as part of a limited period offer until 30.09.2015.

USER SEARCHES ON SBI HOME LOAN TRANSFER - MAY 2018


UPDATED ON USER SEARCH QUERIES RISING
24.01.2017 home loan transfer charges +50%
24.01.2017 home loan transfer from hdfc to sbi +40%