Sixth Central Pay Commission notification released

The much waited release from the Ministry of Finance on the Sixth Central Pay commission notification has finally been published in the Gazette of India. There was an unprecedented rush on the Press Information Bureau and Ministry of Finance website. With the release of the notification, the 6th Pay commission recommendations have converted into directives and would clear the way for implementing these recommendations.

Recommendation of 6th CPC which have not been accepted by Government

• Liberal "Severance Package" for those employees who want to leave service without pension with more than 15, but less than 20 Years of Service

 

• Recommendation related to Holiday policy that there should be only three closed holidays for Government Employees.

 

• Flexi-hours for Women Employees and flexi-weeks for employees with disabilities.

 

Readers can browse through the following links to download the relevant documents

» Resolution containing Government's decision on Sixth CPC Report

» CCS (Revised Pay) Rules 2008

Highlights

Full Download:  6^th CPC Report | Annex

 Errata to the Report

  Basic Pay-Definition

 Placement of Group D in PB-1

 Running Allowances and PLB

Sixth Central Pay Commission

The Sixth Central Pay Commission submitted its Report to the Government on 24th March, 2008. The Report and main highlights can be viewed through the following links:-

» Highlights of the Report

» Report of the Sixth Central Pay Commission (Chapter Wise)

» Annex to the Report of the Sixth Central Pay Commission

The detailed notification can also be downloaded from Investment Guru Blog's Google pages

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Zenith Desktop for Rs.11,990 Laptop for Rs. 14,990

 

Bridging the Digital Divide with affordable Computers

Zenith Computers has announced the launch of Desktops and Laptop’s under the brand name “Eco Style” in the price range of Rs.11990 to Rs. 14990. The company has launced these desktops and laptops in collaboration with global software giant “Microsoft”.

These products are based on Microsoft operating system and available with Windows Vista and Microsoft XP home edition through its exclusive tie up with the software major. The offer is in line with compamy’s Motto of providing “MNC quality at Indian prices”.

The company said that the EcoStyle laptop is ideal for youth as it is quie trendy. The laptop is Net-enabled and comes preloaded with the Microsoft productivity suite. The EcoStyle PC will give the customer an option of choosing Windows Vista Starter or Microsoft Windows XP Home. The portability of the PC makes it convenient for professionals to carry it whenever they need to -- it weighs just 2.2 kg and has dimensions of 185mm x 250 mm x 70 mm. The desktop will also come preloaded with the Microsoft productivity suite.

Bringing together ease of use and professional performance, the EcoStyle PC is ideal for small office or home offices owners. The company said that in addition to the portability and the relevant content, both the computers have an added advantage of reduced power consumption due to a smaller screen size. One an average, they consume 30% less power.

Zenith has been the leader in India in terms of providing desktops and laptops at affordable price and the new scheme is going to further boost the topline of the company. This will also help to bridge the digital divide in India mainly due to higher cost of laptops and high end desktops. The new scheme is going to affect mostly the business of the assemblers who use to sell assembled Desktop’s and Laptops. One good thing about Zenith is that the company had earned itself a good reputation in terms of quality of its products and hence increased customer satisfaction. On the other hand, assembled computers run risk of high maintenance and repair charges. With the new offer more competitive even in terms of both price and barand value as compared to the assembled products, Zenith is set to rock the low end segment of this industry.

About Zenith Computers

Zenith Computers Ltd is one of most powerful brands in the Indian IT industry.
One in every three branded PCs in Indian homes is a Zenith PC. Zenith Computers, headquartered in Mumbai, India, is celebrating it silver jubilee this year. With annual turnover of Rs. 3.25 Billion, it has over 1000 employees spread all over India in its 15 offices and manufacturing plant in Goa.
The company exports PC’s to Europe, South Africa, Asia and the Middle East
With 800 Authorised Dealers and 350 Exclusive Retail Showrooms, the company boasts of a well knit distribution and service platform across the country

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Corp Buzz: Infosys to Buy UK based Axon group

 

    Business Standard and Economic times have reported that Infosys is all set to buy UK based Axon group for $753 Million. The deal is to be completed by November 2008. The UK based Axon Group is into consultancy services to multinational organizations that have chosen SAP as their strategic enterprise platform.

Axon Group has 2000 employees. The Q1 revenue for Axon was 204.5 mn pounds in 2007. The profit after tax for the same period was 20.2 mn pounds. According to sources in Infosys, transfer of ownership will be completed by November.

Kris Gopalkrishnan, CEO of Infosys said, “This strategic combination of our groups will accelerate the realization of our common aspiration - that of becoming the most respected provider of business transformational services in the global marketplace”.

The Axon Group Web site carry the following statement in its latest news section

On 25 August 2008, the boards of Axon and Infosys Technologies Limited ("Infosys") announced that agreement had been reached on the terms of a recommended cash offer to be made by Infosys for the entire issued and to be issued ordinary share capital of Axon (the "Offer"). The Offer, which is expected to be implemented by way of a scheme of arrangement, values Axon’s existing issued and to be issued (fully diluted) share capital at approximately £407 million (US$800 million) on a cum-dividend basis.

The Shares of Axon are currently trading at 502 pounds, up by 2% against yesterday's close.

About Axon Group

Axon is a business transformation consultancy that designs, implements and supports solutions that address complex business issues faced by large organizations who have selected SAP as their strategic enterprise platform. The company provides services in the field of Business Consultancy, Solution Implementation and Application Management.

The company has recently signed a joint venture with Pratt & Whitney to establish a world-class SAP services centre in Puerto Rico. Axon also executed few acquisitions recently. It's subsidiary Axon Solutions Inc. has acquired the business of EnterSys Group L.P., a leading provider of SAP consulting services to the oil, gas & chemical sector in North America. It has also acquired the business of SCM Solutions L.P. ('SCM'), a provider of specialist supply chain SAP consulting services in North America.

Axon's Financials

As per the latest Annual Report available for the year endind December31st,2007.

• Turnover* up 49% to £204.5m (2006: £137.5m):
  • US generated revenues of  £74m, 36% of the group, up from 23% in 2006
  • The proportion of revenues generated by our top 10 clients reduced to 67% (2006: 74%)

 

• Strong profit performance with adjusted operating profit** up 65% to £36.5m (2006: £22.1m)
  • Operating profit up 69% to £30.6m (2006: £18.1m)*
  • Profit before tax* up 67% to £29.5m (2006: £17.7m)
  • Adjusted profit before tax** up 63% to £35.5m (2006: £21.8m)

 

• Successful integration of acquisitions:
  • Two US acquisitions made in Q4 2006 were fully integrated in 2007 and now trade under the Axon name
  • The acquisition of JSPC, an SAP listed firm trading in Malaysia and China has now been fully integrated into Axon’s existing Malaysian off-shore centre

 

• Diluted earnings per share up 56% to 31.7p (2006: 20.3p)

 

• Proposed final dividend of 2.5p (2006 2.25p) making a total dividend per share for the year of 4.5p (2006: 4.0p)

 

Investment guru is of the view that the merger of Axon group with Infosys would help it tap the North America and UK markets where Axon was doing exceedingly well as well as strengthen its position in the Business Consultancy services. The deal at around 20 times the earnings of Axon is surely not an attractive deal as far as price is concerned but the long term benefits in terms of market share and access to Axon clients would be significant. Since it is a small ticket acquisition, the share price of Infosys would remain more or less range-bound.

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Apple iphone 3G priced at Rs.31,000 for 8GB, Rs.36,000 for 16 GB

Apple i-phone launch to be a flop show in India

Good news for companies like Nokia and Samsung and Bad news for those who were eagerly waiting for the launch of Apple iphone 3G in India at a eye catching price of Rs. 8400. The dreams have been dashed , with Vodafone announcing the prices of iPhone in India. Vodafone and Airtel are launching the iPhone on 22nd August in India. The 8GB Model would cost you a whooping Rs.31,000 and the 16GB version would cost Rs. 36,000.

The most important factor in creating hype for the Apple phone was the Pricing Factor. These i-phones have been priced in UK at $ 200 which is equivalent to Rs. 8600 at current forex rates. Most of the Indians who were planning to buy an I phone in India had built an expectation of a price between 8000-12000. But the prices announced by Vodafone is substantially higher. The irony is that the 3G services are still not functional in India and hence it would not be possible to use all the features of i-phone in India.

I had built an expectation that I will go for I-hone if it is priced around 15000, but now I have made up my mind not to go for it and wait for price corrections to happen before I buy it. I would continue with my good old Nokia phone till then.

The pricing for Apple phone in India should definitely bring smiles to Nokia and Samsung as they were expecting a major hit to their market share with launch of Apple iPhone. They can be relaxed now since Apple with this pricing cannot gain a strong foothold in the Indian markets where the customers are on a constant look out for quality but at affordable price. I think Apple would miss an excellent opportunity to create a strong base for its product in Indian markets cos of its pricing.

For those of you who still want to join the bandwagon, If you have pre-registered for the i-phone you would have received an SMS regarding the price from Vodafone and you would have to do advance booking by paying Rs. 10,000 today or latest by tomorrow. You would be given an appointment time for collecting your i-phone on a designated date. The offer is on first come,first serve basis.

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EAC Outlook for 2008-09 on Indian Economy

Has Indian economy Peaked ?

The Economic Advisroy council to the prime minister,headed by Dr. C. Rangarajan, has come out with the Economic outlook for the year 2008-09. The Report has thrown some interesting parameters to gauge the present condition of our India's economic growth in past several years and estimates for current year. The report has pegged India's economy to grow at 7.7% in the year 2008-09 against 9% last year. The council has expressed concern over negative global clues like crude oil and sub prime on one hand and inflation and slowdown in consumption and investment rate on the other. What does this suggest ? Has the Indian economy reached the peak of its economic growth cycle and has it started to slow down ? Let us look at some of the facts and figures and try to find out the truth behind India's story.

Economic Growth- Stepping down the ladder

• Indian economy has grown 9% in 2007-08 against 9.6% in 2006-07 and 9.4% in 2005-06. Our economy has grown at an average rate of 8.8% in the last 5 years. However, we are expected to clock a growth rate of just 7.7% for the current year 2008-09.

• The farm sector has seen tremendous growth in the last 4 years with average growth of 3.5%. However, the growth rate looks unsustainable in absence of focussed approach on rural infrastructure and technical improvements in productivity.

• The Manufacturing sector, after posting a record high growth of 12% in 2006-07 is expected to grow by 7.2% in 2008-09 which signifies that this sector is witnessing increased pressure of slowdown in consumption which again is a factor of rising inflation.

• Other sectors such as Construction,Trade, Hotels,Transport etc. are all expected to post a single digit growth against double digit growth recorded last year. This doesn't auger well for companies operating in these sectors.

• Finance,Insurance, Real Estate and Business Services are expected to post 10% growth against 13.9% growth posted in 2006-07.

• Per Capita GDP growth is also expected to be at 6.2% against 8.1% clocked in 2006-07.

• India's population is expected to stand at 1.154 billion against 1.106 billion registered in 2005-06.

International Economics- Ugly Picture

• The global economy has been subjected to the twin onslaught of a financial
  crisis that has gripped capital markets, and a sharp increase in the prices of primary goods, particularly those of crude petroleum and food. Simultaneous turmoil in financial, energy, and food sectors is unprecedented in recent world economic history.

• This has adversely affected consumer confidence and prospects for world economic growth, dented a range of asset prices, heightened inflationary expectations and is severely testing theories of ‘decoupling’ through global contagion.

• While expected losses from US subprime exposures have by now been mostly acknowledged, and banks have been able to raise capital in response, delinquencies and foreclosures in the US housing markets continue to rise sharply, house prices continue to plummet, loan deterioration has moved beyond subprime and housing portfolios, bank balance sheets and equity prices continue to be under pressure, and credit markets are still to normalize. It is therefore too early to assess whether the worst of the turmoil and loss of asset values is behind us.

Consumption Vs. Investment Driven Growth

The contribution of investment to growth has actually been as greater than that of consumption till 2005-06. The contribution of domestic consumption expenditure to overall GDP growth has been fairly steady since 2005-06, while its relative share in growth has risen over the past two years. This trend is projected to continue in 2008-09 also. Incurrent year, we expect to see both investment and consumption expenditure growth to slow down a bit.

Inflation - Enemy at Home

Inflation has skyrocketed from 3.8% at the end of December,2007 to 7.8% at the end of March,2008. It moved up further at 12.44 % as of 2nd August,2008. The rise in inflation is primarily contributed by rise in prices of Crude Oil, Commodities like Steel, and food prices of late.

The council is of the view that tight monetary policy, cooling down of Crude Oil and good monsoon can bring the inflation rate down to 8-9 percent by March 2008-09.

Besides the above factors, the employment rate has shown significant improvement in last 5 years nut the rate of growth is expected to slow down a bit. We have also witnessed wide variations in state wise emplyment growth which suggests huge divide between states.

To sum up, Year 2006-07 was the golden year for the Indian economy in which most of the sectors have given highest growth rates. However, the growth rate has slowed down significantly due to negative gloabl cues and pressure of rising inflation back at home. Hence , we can say that a brake has got applied to the economy which was operating in th top gear. We are still much behind china in terms of economic growth and the overall assessemnt says that though the pace of growth has slowed down, it's not the end of the world. The shape of India's growth story in the coming years would depend on how it deals with these evils of growth and resume its fast track growth. The peak is yet to come.

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Bank loans for DDA Flats Registration amount

Central Banks offers Loan for DDA Housing Scheme Registration Amount

The Central Bank of India has taken the initiative to come forward and provide loans to applicants for DDA housing Scheme-2008. The Bank will provide loan for the Registration amount.

For Financing the loan amount of Rs. 1.5 Lacs towards Registration amount, the bank will charge an upfront interest of Rs. 5680 which will include interest charge @10%, Service charges and Stamp paper cost. The loan is available at the Vikas Sadan Branch of the Central Bank of India. The Bank is also organising camps at Safdargunj Aiport, at Central School, safdargunj and opposite Vikas Sadan for the benefits of the people applying for the DDA Flats.

This is just the beginning. Leading Banks like State Bank of India, HDFC Bank, Axis bank and Punjab National Bank are also most likely to announce loan scheme for DDA flats shortly.

Related Articles

DDA Brochure & Application Form

Highlights of DDA Housing Scheme,2008

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Govt. approves Sixth Pay commission report

Independence Day gift for Govt. Employees

Good news for Central Government employees and defence forces. UPA Government has approved the 6th Pay commission report which was submitted to it in March,2008. The Six Pay commission was headed by Justice B N Srikrishna.

Highlights of Sixth Pay Commission Report

• The average increase in salaries is to the tune of 21%.

• The hike is with effect from January 1,2006. You can download the Salary Calculator spreadsheet to find out your Revised Salary after the pay hike.

• The hiked salary would be given to the employees beginning September this year and the arrears from January 2006 would be given in cash in two installments - 40 per cent this fiscal and 60 per cent in 2009-10.

• The government has increased the minimum entry level salary of a government employee to Rs 7,000 against Rs 6,660 recommended by the Commission.

• The rate of Annual Increment has also been increased from 2.5% to 3%.

• At least three assured promotions for all defence forces personnel and civilian employees under the modified Assured Career Progression scheme.

• While civilians would get this after 10, 20 and 30 years of service, defence forces jawans would be promoted under ACP after 8, 16 and 24 years.

• The government has also approved Military Service Pay for armed forces personnel, under which officers would get Rs 6,000 over and above their pay per month.

• The lowest limit of disability pension for defence personnel has been doubled to Rs 3100 a month.

• The Revision in pay structure would increase the total emoluments of an employee at the lowest level beyond Rs. 10,000 per month (including allowances)

• In a significant modification of the Pay Commission recommendation, the government has raised the fitment rate, which helps in arriving at higher allowances in view of merger of 50 per cent DA with basic pay, in revised pay bands to 40 per cent as against 28 per cent.

Impact of Pay Commission recommendations

• Well, this is a three cheers news for the Central government employees as well as the armed forces since they would get 21% higher pay than what they used to get earlier. Their friends in private sector may feel jealous about it.

• Since a large chuck of the Government employees come under the Middle Class segment, this would help increase their purchasing power and hence standard of living. The arrears from January,2006 would be an additional bonus and would mainly be used as saving corpus.

• The Pay hike would cost the exchequer Rs 22,131 crore -- Rs 15,717 crore on the General Budget and Rs 6,414 crore on the Railway Budget -- in 2008-09. This would increase the fiscal deficit as a % of GDP.

• The government would have to find additional sources of funds to bridge the deficit. Since the Macro environment is already worsening due to higher inflation, lower IIP and lower GDP growth estimates, the pay revision would be an additional challenge for the government.

Download Your Salary Calculator

Download Sixth Pay commission Report

Update:

Salary Calculator (Modified as per Cabinet approved recomendations ) from Staff Corner (staffcorner.com) Click below to download

Sixth Pay Commission Calculator Option 1

Sixth Pay Commission Calculator Option 2

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DDA Housing Scheme-2008

Download DDA Housing Scheme'08 Brochure and Application Form

DDA has finally posted the Brochure for DDA Housing Scheme'08 on its website. Click Here to download the DDA Scheme Brochure which contains all the details regarding the scheme including how to apply, documents to be submitted, details of flats on offer and list of banks where forms are available.

Download DDA Scheme Brochure

Download DDA Housing Scheme Application Form

You need to go to DDA website to generate the online application form.

Go to the following link :
DDA Scheme Application form - 2008

You will see the window as shown below :

Type your name in the box for "Applicant name" and Click generate. You if you have typed the name wrongly , click reset to type the name again.

The application form will open up in the new window on your screen. The form will have the application number and your name printed on it. You can save the form and take print of it and then fill and submit it to DDA office before 16th September.

If the DDA website doesn't open up for some reasons, you can download the brochure from link below

Download Housing Scheme Brochure -2008

Come back on this blog to read detailed analysis of the scheme and which flats should investors opt for in the scheme to get maximum gains.

Related Articles :

DDA Scheme launched

DDA Scheme -Investment Opportunity

DDA Housing Scheme -Highlights

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DDA Update: Housing Scheme'08 launched

DDA launches Housing Scheme'08

DDA has launched the Housing Scheme 2008. The scheme offer 5010 flats and allotment to applicants will be made through lottery system. DDA has started sale of application forms for scheme. Forms are available at DDA office at Vikas Sadan from 10:30 am to 4:30 pm. The last date of submitting application to DDA is 16th September.

Application forms are also available at Vikas sadan branch of State Bank of India and Central Bank of India and also at Nehru Place branch of Union Bank of India. Application forms are also available at selected branches of Axis Bank, HDFC Bank, ICICI bank and IDBI Bank.

The application form for DDA flats is not available online on DDA website yet.

Applicants are advised not to rush for application form as the initial enthusiasm for collecting the forms will slow down in a week's time. Anticipating huge response, DDA has printed five lakh brochures and hence shortage of forms should not arise. DDA would post the application form for direct download from the DDA website. Investment Guru readers can also download the application form from this blog once it is made available online by DDA.

More Updates on DDA Flats

• Of the 5010 flats on offer are 3483 one bedroom flats, 889 two bedroom flats and 352 three bedroom flats. Another 286 flats will be under the expandable category where the owner can add upto two extra storeys. The flats are priced keeping in mind the middle and low income group.

• Allotment will be done through a computerised process wherein every application after scrutiny will be allotted a random number to prevent irregularities and keep the process foolproof. The data will be fed into the computer and a draw will be carried out in the presence of judges and the media

• Results are likely to be declared nearly three months after the application process ends on September 16.

Related posts

DDA flats - An excellent opportunity to invest

Highlights of DDA Housing Scheme'08

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Real Estate - DDA Housing Scheme'08

DDA flats - An excellent opportunity to invest

DDA is launching the Housing Scheme'08 on 6th August,2008. There are around 5000 flats on offer. See my post on highlights of the scheme. The question is " Should one apply for the flats under this scheme" ? Investment Guru is of the view that one should apply for the flats under the scheme. It's just like applying for an IPO in the stock markets. You are going to block Rs. 1.5 Lac of you funds and if you get allotment the gains would be significant. If you are cash starved there is another attractive option of getting the registration amount finance and wait for getting lucky in the draw.

Why is DDA Scheme attractive ?
The major attraction of the scheme is that the flats are being offered at a price which is around 30-40% lower than the prevailing prices in these localities. The chances of real estate prices going down in these location because of the lower prices offered by DDA is very low, since the number of flats on sale are quite low in comparison to the total real estate matrix of these locations. So an allotment in this scheme is going to generate significant gains for the investors. Real estate prices in locations like dwarka has seen consistent rise and has offered excellent gains to those who have applied in the 2006 Housing scheme. This time around too, people who get allotment are likely to fetch a premium in the range of 2-5 lacs on the DDA prices.

I don't have money for Registration amount ?
No problem. As soon as the scheme is launched you will see a flood of advertisements in the newspapers regarding banks and financial institutions offering loan for the Registration amount. In other words, If you don't have money for Registration or if you don't want to block your own cash reserves for this, you can avail a financing option from banks for registration amount. Banks generally come up with a scheme where they fix a Non-refundable amount for financing the Registration amount.

In 2006, Banks came with a Fixed amount of Rs. 5000 for financing the Registration amount. This year it may be bit more in view of higher interest rates. Suppose banks fixes Rs. 7000 this time around, it would mean that in lieu of putting 1.5 lacs of your own, you would pay nothing but Rs. 7000 to a bank for financing the registration amount. If you do not get allotment then Rs. 7000 would be your loss in terms of financing the deal. If you get allotment, it would a peanut considering the gains for your allotted flat.

I want to sell on allotment, Can I do so ?
There is an active market for trading once you get the allotment of flats under the scheme. So, if you didn't intended to hold on to the flat, but just wanted to grab the premium for allotment of the flat, you can sell the flat in the open market.

Related Posts
DDA Housing Scheme'08
DDA Website Read More!

Realty Check : DDA housing Scheme'08

DDA Housing Scheme'08 to offer 5000 flats

After successful closure of DDA Housing scheme in 2006, Delhi Development Authority has once again come up with its blockbuster Housing Scheme'08 offering flats for as low as Rs. 7 Lacs. The DDA Housing Scheme'08 is scheduled to be launched on 6th August,2008.

Highlights of the DDA Scheme

• The Delhi Development Authority is launching a new housing scheme, “DDA Housing Scheme -2008”, to allot about 5,000 flats on a freehold basis.


• The scheme will be open from August 6 to September 16.


• The scheme aims at providing housing for all sections of society and hence offers wide range of choice.


• There are 3483 One-bedroom flats, 889 Two-bedroom flats, 352 Three-bed room flats and 286 that can be later expanded.


• Flats will be located in Pitampura, Dwarka, Motia Khan, Paschim Vihar, Dilshad Garden, Vasant Kunj, Narela, Shalimar Bagh, Jhilmil, Nand Nagari, Peeragarhi, Sarai Khalil, Rohini, Lok Nayak and Bindapur. However, majority of the flats are located in Dwarka, Narlea and Rohini.


• Multi-storey ed flats with lifts will also be on offer at Pitampura, Dwarka and Motia Khan.


• All freehold properties, the flats are within the price range of Rs 7.2 lakh and Rs 77.8 lakh depending on size and location.


• Narela is offering the cheapest flats.


• Most expensive is a 3 Bedroom flat in Motia khan priced at 77.8 Lacs.


• Most Affordable is a single Bedroom flat in Narela at Rs. 7 Lacs.The application forms along with brochure will be available from the DDA sales counter at Vikas Sadan, almost all branches of AXIS Bank, HDFC Bank, ICICI Bank and IDBI Bank, besides the Vikas Sadan branches of State Bank of India and Central Bank of India.
• The Draw is expected to happen in December 2008 or early January 2009.

How to apply for DDA Flats ?

• The application forms along with brochure will be available from the DDA sales counter at Vikas Sadan, almost all branches of AXIS Bank, HDFC Bank, ICICI Bank and IDBI Bank, besides the Vikas Sadan branches of State Bank of India and Central Bank of India.
• The cost of the application form and brochure is Rs.100.
• The registration amount under the scheme is Rs.1.5 lac.
• The Registration amount has to be deposited along with the application form by a banker’s cheque/demand draft and no payment by cheque is acceptable.
• The applicant can have five preferences for flats of all categories.
• Applicant has to submit the self-attested copy of PAN and proof of residence.
• Those who apply under the reserve category would have to submit a certificate to that effect.
• The allotment to eligible applicants will be made through a computerised draw based on random number techniques.
• The results of the draw will be displayed on the notice board at Vikas Sadan and would also be available at http://www.dda.org.in/

Should one apply for DDA flats under the DDA Housing Scheme'08 considering the ongoing confusion over future of real estate prices in India. Does it appeal as an investment option or should one apply only if he wants to use it as a residence ? How much profit can one earn in case of allotment? Are there any funding schemes for registration amount ? We will seek replies to these questions in the next post.

Visit DDA Website

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