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Finance includes a branch of economics concerned with resource distribution, its management, its possession and investment. In simple terms, finance deals with matters related to money and the markets

Banks are the major facilitators of finance as they provide revenue in the form of loans, interest, credit, etc.

Success means different to different people. You are believed to be successful if you achieve your desires and have all the important things in your life. A person can never feel contented and secured a life if he is unable to manage his finance. Earning handsome amount of money can be difficult, but managing it can be equally difficult. Proper fiscal decisions ensure safe and enjoyable life even after retirement.

A survey of thousands of successful and unsuccessful individuals revealed that all of them had a different financial philosophy. The difference is ofcourse due to the work they do or because of the particular investment decision they make. It is our personal decision on how we intend to use our finance that makes us feel good. An efficient manager of finance is able to raise finance by implementing strategic advises provided by financial advisors.

Personal Finance:



A perfect financial planning will help you in controlling all kinds of financial risks. A careful concentration on financial planning will help bring your assets up to the mark. Through personal financial planning you can gain control over your financial problems. The questions like- How much money will you need to meet your future expenses? Or Where will the money come from? - will easily be answered by taking effective fiscal decisions. Individual financial decisions may include your savings for meeting the future expenses like your child's education, buying insurance and property, buying a house, etc.

Company finance:

Finance is the life blood for every organization. The entire management of a company continuously strives to provide finance for their business activities. Every small or large organization requires finance to run their business smoothly. Financial management generally involves balancing risk and profitability, while endeavoring to increase an entity's wealth and its market value. A balance between short-term funds and long-term funds firms are company’s capital structure. The company’s finance can also be raised through borrowings. The financial accounting department is responsible for reporting the financial information and financial status of the firm.

Finance, as a career:

Finance is a vast area and is another world in itself. Financial planning and management has given birth to a number of job options right from strategic planning to sales. The qualification required for careers in finance depends upon the career option you choose. Minimum qualification required is a graduation in any field. Added qualifications like MBA or PG in finance, chartered accountant, CFA can be useful to have a successful career in finance. Besides, in order to be good finance personnel you need to have superior analytical skills, proper understanding of the markets and attraction towards numbers. You can work as an insurance agent, commercial banker, financial planner, real estate broker or advisor, a merchant banker on an investment analyst..

Finance in India

Finance in India is the backbone of Indian economy. Since years from now the world has been wondering about the economic transformation of India through creativity, hard work and commitment through market modification. Trade and commerce, imports and exports are the major sources for the inflow of finance in India. The financial condition of India is changing and hundreds of millions of people today are enjoying a better quality of life.

Finance in India is governed by the Ministry of Finance. The Finance Minister of India is the highest authority in the Ministry of Finance. By the end of November 2008, Finance Minister of India was Mr. Manmohan Singh, who is responsible for the regulated taxation, capital markets, financial legislation, centre and state finances and the union budget. The Ministry of Finance in India comprises of five departments mainly; Department of economic affairs, Department of expenditure, Department of revenue, Department of financial services and Department of disinvestments. All these departments are conferred upon the task of balancing the inflow and outflow of finance in India. The finance ministry holds an economic survey every year just before the union financial plan in order to know the yearly economic progress of the country.

The Finance Minister of India along with his Ministry of Finance also governs institutions like Banking, insurance and various other financial associations who jointly work towards the growth of financial revenues in India. The central and commercial banks in India help every individual to regularise their finances; without going beyond the rules and regulations set by the government of India. The insurance companies issue policies relating to the Life insurance and General insurance in the country, thus following the Insurance and Regulatory Authority of India (IDRA), which falls within the domain of this division. Various other financial institutions such as EXIM bank, NABARD, SIDBI, Securities and Exchange Board of India (SEBI), credit rating agencies like CRISIL and ICRA play an important role in developing the country's financial position.

India is also recognised as the financial hub for the global investors. The foreign investors are very much interested in the Indian economy as they feel that India has the potential to grow further. Indian markets have seen a huge foreign investment since past few years as a result of the growing economy of the country. The global recognition of India is viewed as a competitive advantage by many business analysts and financial advisors.

Despite of all the regulatory bodies and institutions managing the finance in India, the country is still daunting with the problem of poverty and financial inequality. India is still seen as a Third World country. The rich is getting richer and the poor is getting poorer. This phenomenon is not at all a healthy sign for the Indian economy. The pace of growth of finance in India can be faster by attracting investments and improving governance. India has a strong commitment towards economic growth, like many other developing nations, so as to strengthen trade and finance.


 
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