Pawan Bansal highlights the importance of Financial Restructuring

Financial Restructuring is essentially the process of reorganizing financial structure of a firm comprising equity capital and debt capital. This is done in order to comply with company’s financial situation or as a part of financial strategy. Under Financial Restructuring, financial assets and liabilities of a company are reorganized for the creation of the most beneficial financial condition for the firm. Pawan Bansal of Altius Finserv says that financial restructuring is a general practice, usually undertaken by the companies that are faced with tough economic situations. Giants like Kingfisher have resorted to Financial Restructuring in order to lend their financial situation a better stance.

The need for financial restructuring can be driven by various factors including Poor financial performance, external competition, and loss of market share or as a part of strategy to tap on to emerging market opportunities. Financial restructuring can be either from the assets side or the liabilities side of the balance sheet. Changes in one require alterations in the other to strike a balance.

Financial Restructuring involves two components:

1. Debt Restructuring: Involves rearranging the whole debt capital of the company. The balance sheets, for they contain the debt obligations of a company, are reshuffled. While doing this, Altius Finserv recommends it is important to mitigate the cost of capital and improve the efficiency of the company as a whole.
2. Equity Restructuring: Here, the equity capital of the company is reorganized. The shareholders’ capital and reserves appearing in the balance sheet are reshuffled. This is a matter involving legal know-how about the restrictions and regulation governing the equity restructuring. 

Altius Finserv talks about efficient ways to save money

As much as it may sound clichéd, there is no denying to the fact that it is important to save. Things are fine right now but one incident, one market fluctuation, one high tempered argument with boss or one natural calamity is enough to bring you to the days of hand to mouth and may be even worse. No, Altius Finserv does not want to scare you all but want to explain to you the importance of saving money. This does not mean you be a miser but only be wiser. Here are a few tips to help you save your money.

1. Start a retirement plan: You might just have started working but it isn’t too early to start with a retirement plan. The sooner you begin, the more you will have in the end. It is a wise advice to opt for a pension plan which does not charge too much of premium but offers relative good returns.
2. Save for a goal: This is important to follow. If you save as per a specific goal, your savings tend to be more effective and regular as you are driven by an objective.
3. Create a back-up fund:  If you have been working for over 4 months, then you pretty much would be able to track your finances. You would know your approximate monthly expenses. The time has come for you to start saving for emergency situations.  Pawan Bansal of Altius Finserv says that a contingency plan is the one which can survive you for 6 months, and by ‘survive’, we do not mean ‘just survive’.

It is recommended that you save at least 10% of your monthly income. Anything less than this simply means either you are being paid less or have higher expenses, both of which demand sincere concern.  

Altius Finserv Financial Advisory will help you manage your finance efficiently

Financial investments turn out to be trickiest of all investments. With a plethora of factors involved and detrimental consequences cleverly concealed within finely printed ‘terms and conditions’, it becomes a herculean task to settle down on the most lucrative investment option. ‘Too good to be true’ seems to be the perfect adage that describes the financial jargon.  But with right financial guidance from AltiusFinserv, it will be easy for you to manage your finances.

Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services like debt syndication, public offerings, private placements, spin-offs and restructurings. We provide seamless solutions over various industries and multiple products.

With our Financial Advisory Services we ensure that the finance handling of your firm is aligned to the business requirements. Our team of experienced analysts offers effective risk management and Compliance Procedures. They prepare financial models tailored to the business needs of your company. By performing timely financial and economic analysis using latest tools and software, Altius Finserv provides you with financial advices that allow you to efficiently manage the finances.

Altius Finserv facilitates valuation for acquisition and mergers and offers expertise advice in tax-planning. All our services are undertaken in strict compliance with legalities and rules and regulations.

Our consultants help you define the role of finance in your business and help with strategizing the operations to optimize performance. Our analysts help the CFO decide upon a long-term strategy for handling finance and business operations. Altius Finserv has obtained a prowess in providing financial consultancy to various important clients. 

Pawan Bansal of Altius Finserv highlights the benefits of Securitization

Did your company just falter because of a minor financial decision your CFO made? OR you got your sums wrong and incurred nasty losses? And now that you have a billion dollar idea, you are finding it hard to attract investors just because you have been termed as a bad bet in the market? Well perhaps Securitization is going to help you find a way to the problem. Pawan Bansal of Altius Finserv Private Limitedthinks of securitization as the right way out for the companies tied down by the lack of investors.

Securitization is a procedure by which an organization clubs its diverse monetary resources/obligations to shape a united money related instrument which is issued to speculators. Consequently, the financial specialists in such securities get interest. In Simple words, securitization refers to clubbing up all assets to form a cumulative financial unit that is offered to investors in return of their investments.

This procedure improves liquidity in the business sector. Securitization serves as a valuable instrument, particularly for money related organizations, as its assists them with raising assets. In the event that such an organization has as of now issued an extensive number of credits to its clients and needs to further add to the number, then the act of securitization can act as the hero.

In such a case, the organization can club its advantages/obligations, structure money related instruments and after that issue them to financial specialists. This empowers the firm to raise capital and give more advances to its clients. Then again, speculators have the capacity to broaden their portfolios and procure quality returns. Altius Finserv Pvt. Ltd is an investment banking firm that can connect your company to the right investors by helping you cumulate your financial resources effectively.

Karan Bagga of Altius Finserv talks about Structured Finance

Finance, in general, encompasses various verticals. Debts, Securities, mortgages etc are the few common ones that we come across in our life normally. But if you are a business man, then you ought to know about a domain called ‘Structured Finance’. There is a bit of an irony here. The term structured finance in general connotations gives an idea of the conventional, organized finance that we deal with on normal basis. But in reality, structured finance is a ‘non-standard’ way of raising money. It is a very specific requirement and is tailor made from situation to situation, client to client. Altius Finserv Pvt Ltd. offers structured finance as one of its services.

Structured finance is provided to those clients whose have unique financing needs which extend beyond loans, debentures etc. Conventional financial products usually don’t suit these clients’ needs. What they require is a highly complex financial product, specially created for them. At Altius Finserv, structured finance involves carving intricate products after much careful observations and clear understanding of the needs.

Those who have half knowledge about structure finance would term that it requires manipulating the loopholes present in the tax laws. But the fact is that structured finance requires a deep knowledge of taxation and related laws. The analysts devise strategic ways to save economic expense for the clients by suggesting them fair but clever financial strategies to undertake. They try to explain and simplify the complex tax laws and allow clients to save money.

A few services offered by Altius Finserv Pvt. Ltd. under structured finance include Asset Backed Securities, Collateralized Debt Obligation, Convertible Bonds, Securitization, Assurance Contracts and Special Purpose Entity.

Debt Syndication, explained by Altius Finserv

Debt Syndication sounds like a term that would encompass rocket science and other economic dynamics but actually it isn’t as tricky as it seems. Simply put, Debt Syndication is an arrangement between two or more banks or financial institutions. This is done in order to provide the borrower credit facility. This is achieved using common debt documents. So Debt Syndication involves dispensing a large loan to a number of companies or investors. Companies generally go for debt syndication when they need funding for expansion or rise from bankruptcy. Altius Finserv, as an investment banking firm, has offered debt syndication to various companies. We facilitate loan and connect enterprises with the right institutions which lend them large capital.

By being a part of debt syndication, banks, investment banking firms and banks enter in a state where stakes are high. There remains a high risk of incurring high losses. That is why there is an acute dearth of institutions entering such pacts. Altius Finserv, under the aegis of Managing Director Pawan Bansal assists corporate in getting the capital through debt syndication. Through this, we help companies gather short-term or long-term investments.

Our financial analysts examine factors like market status, economy and company prospects before introducing them with a financial institution. This analysis helps us in getting you the appropriate investor to lend money to firms. Size and type of debt and other conditions involved are carefully drafted by us keeping the interests of both the parties in mind. Through this, we ensure that both the parties entering debt syndication stand minimal chances of incurring losses. Altius Finserv has acquired a prowess in debt syndication through its past successful experiences.

Altius Finserv highlights the need to have a Financial Advisor

Making money is one thing but multiplying and utilizing that money belongs to a different tangent all together. Many have money in huge amounts but lack the wisdom to use it properly. They waste it and burn it away while with right guidance they could have multiplied and saved it for future use. And then there are those who earn limited money but want to invest in the right place

Having a financial advisor seems necessary in today’s eon. A financial advisor will help you invest your money appropriately. Through a financial advisor, you get an access to a number of financial products and services that you could not have come across on your own. These services and products would most likely be profitable for you so as to get good returns.

In this case as well, they lack clear knowledge to invest their money correctly. These reasons are good enough to highlight the need of a financial advisor. And Altius Finserv is exactly that company which can handle your money and get you good returns.

Altius FinservPrivate Limited is a boutique investment banking firm offering financial advisory services like debt syndication, public offerings, private placements, spin-offs and restructurings. We also offer consultancy services.  Our financial advisors will guide you towards the best route possible in order to get you good returns of your investments. A financial Advisor will hedge your money against market instabilities and would guide you in saving more. And if you want to start up a new business, the financial advisor would get investments for you. The benefits of having a financial advisor are multiple folds. Altius Finserv offers such financial services and consultations to the clients.

Retirement Plans and allied consultancy

Once you retire, life takes you to a tough terrain. At one side, you get rid of your work responsibilities and on the other side; you are overburdened with household responsibilities. It is as if there is no end to your worries and mental stress. Well, the only way to sort these post retirement issues is by planning ahead. But if only that was a cake walk! Planning for that far ahead while you are in your prime and handling other responsibilities is nothing less than a daunting task. What you really need is a clear guidance. Altius Finserv, under the aegis of its Managing Director Pawan Bansal, has an expertise in guiding you towards the right planning to make your retirement days peaceful.

Altius Finserv has developed retirement plans that allow you to plan ahead for the retirement days. Based upon your current savings and extensively mapping out your requirements at the point of your retirement, we will help you secure your future while you are young. We also offer consultancy services to simplify any query from your end.

You study hard for the first 20 years of your life and you spend rest of the years working tenaciously just so that you can lead a comfortable life. But once you stop working and enter retirement phase, the revelation is daunting. You realize that you don’t have any source of income. And you don’t have much of your savings because you utilized them in your child’s education and marriage. So unless you have carefully planned your retirement, expect the ride to be a little bumpy. So Altius Finserv recommends you that you start planning for your retirement and make it comfortable while you still can. 

Altius Finserv Discuss on Financial Services

Introduction

India has a diversified financial sector, which is undergoing rapid expansion. The sector comprises commercial banks, insurance companies, non-banking financial companies, co-operatives, pension funds, mutual funds and other smaller financial entities. The financial sector in India is predominantly a banking sector with commercial banks accounting for more than 60 per cent of the total assets held by the financial system says Pawan Bansal MD of Altius Finserv.

India's financial services sector such as Altius Finserv and many other Finserv companies has always served the country’s economy well, accounting for about 57 per cent of the gross domestic product (GDP). In this regard, the financial services sector has been an important contributor.

The Government of India has introduced reforms to liberalise, regulate and enhance this industry. At present, India is undoubtedly one of the world's most vibrant capital markets. Challenges remain, but the future of the sector looks good. The advent of technology has also aided the growth of the industry. About 75 per cent of the insurance policies sold by 2020 would, in one way or another, be influenced by digital channels during the pre-purchase, purchase or renewal stages, as per a report by Boston Consulting Group (BCG) and Google India.

Market Size

The size of banking assets in India reached US$ 1.8 trillion in FY14 and is expected to touch US$ 28.5 trillion by FY25.

During 2013-14, the life insurance industry recorded a premium income of Rs 3.14 trillion (US$ 49.67 billion), as against Rs 2.87 trillion (US$ 45.39 billion) in the previous financial year, registering a growth of 9.4 per cent.

India’s life insurance sector is the biggest in the world with about 36 crore policies, which are expected to increase at a compounded annual growth rate (CAGR) of 12-15 per cent over the next five years. The insurance industry is planning to hike penetration levels to five per cent by 2020, and could top the US$ 1 trillion mark in the next seven years. The total market size of India's insurance sector is projected to touch US$ 350-400 billion by 2020.

According to the recent data released by the Insurance Regulatory and Development Authority (IRDA), the gross direct premium underwritten by non-life insurance companies during 2013-14 was Rs 77,538.25 crore (US$ 12.26 billion) compared to Rs 69,089 crore (US$ 10.92 billion) in 2012-13. The gross direct premium underwritten during 2011-12 was Rs 58,119.71 crore (US$ 9.19 billion). The non-life sector growth was 19 per cent in 2012-13 and 23 per cent in 2011-12.

India is the fifteenth largest insurance market in the world in terms of premium volume, and has the potential to grow exponentially in the coming years. Life insurance penetration in India is just 3.1 per cent of GDP, which has almost doubled since 2000. A fast growing economy, rising income levels and improving life expectancy rates are some of the many favourable factors that are likely to boost growth in the sector in the coming years.

AltiusFinserv Private Limited Investments are corpus in India’s pension sector expected to cross US$ 1 trillion by 2025, following the passage of the Pension Fund Regulatory and Development Authority (PFRDA) Act 2013.

Altius Finserv gears up to serve PM Modi’s “Start up India, Stand up India’

This fact is now assured well beyond the fact that Prime Minister Narendra Modi is one of those few Prime Ministers in the world who have laid an impeccable emphasis on promoting start ups in the country. In fact, in his Independence Day speech, the honorable Prime Minister gave India a slogan ‘Start up India, Stand up India’. This has, beyond all doubts, confirmed that this is perhaps the best time for the entrepreneurs to come out of the closets and innovate. Led by Chairman PawanBansal, Altius Finserv is on the cusp of helping these budding entrepreneurs give a shape to their ideas.

Altius Finserv is basically a boutique investment banking company that holds a prowess in connecting businesses with prospective investors. So if you have a business idea, then we will help you gather the capital for it. As an investment firm, we also finance various projects. So if your idea is brilliant, we might just as well come on board with you. Altius Finserv has a myriad of industry clients to its credit.

India is now completely prepped up for an IT revolution. The growth in the technology has propelled India to a global platform. The world is the arena where Indians are more than welcomed to prove their mettle and make their mark. This is the best time to materialize the scenario brewing up. And Altius Finserv can be your perfect partner in this journey.

Altius Finserv gives you an insight into Capital Markets

Capital markets, equities, debts et al, aren’t these quite heavy words? Just the mention of these words makes one go dizzy. It is like an overwhelming chemical imbalance inside your mind. Such heavy finance related words often seem ambiguous. However, Pawan Bansal, Managing Director, Altius Finserv Pvt. Ltd has a simplified explanation for you.

As per him, Capital Markets are basically markets that entail to selling and buying of equities (stocks) and other debt instruments. They act as a platform bridging the gap between capital suppliers and users. In short, they connect the investors with the users who need capital for their businesses. So in Pawan Bansal’s words, capital markets simply facilitate the demand and supply. Capital markets are further bifurcated into 2 categories, primary and secondary. Primary capital market is the one where new stocks and bonds are sold whereas the secondary market deals with the equities and debts that already exist.

The next part is a little tricky. The capital markets have a large number of participants, like individual investors, pension funds, mutual funds and even governments, PSUs etc. Also, now every investor wants as much profit as possible. So the common trade off is that an investor into your business would expect high returns. And if in case you are an investor, it is important for you to invest your money in an area where a good rewarding return is expected. Sounds tricky…right? Now this is where Altius Finserv will guide you. Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services like debt syndication, public offerings, private placements, spin-offs and restructurings. So all those terms that you find baffling are actually the ones we communicate in on daily basis. No wonder that’s why we boast of an elite clientele.

Various types of investments - by Pawan Bansal, M.D, Altius Finserv

The most perplexing decisions that we make in our lives are related to financial investments. This is one area where a minor error from our end can make the sums go wrong. Altius Finserv and its Managing Director would like to introduce you to various types of investments that you must know of:

1. Bonds 

Bonds are also referred to as debt but a debt that you lend and not borrow. Purchasing a bond basically means that you are lending your money to some company or government at times. In return, they agree to give interest on your money timely and eventually pay you the principal amount. The best thing about bonds is that they are relatively safe. It is as if your investment will earn you guaranteed profit. However, since the risk factor is less, the profit or interest given to you is also less. So what you get in return isn’t very much, but nonetheless confirmed.

Types of Investment

2. Stocks 

Buying stocks, also referred to as equities, allows you to be a shareholder of the company with which you are investing. The company in return gives you profits, if any, depending upon the percentage of stocks you purchased. This profit which is divided among the shareholders is called dividend. If you hold a large number of stocks, then you get decisions making power in the company. (Although that depends upon the company’s policies).That means you will be able to vote at the shareholders’ meetings. Stocks offer you good amount of return but they are highly volatile. They fluctuate on daily basis and hold high risk factor. There are times when the stocks in turn cause you loss. Therefore one needs to be careful while investing in stocks.

3. Mutual Funds 

As the name suggests, mutual funds refer to the funds that are created collectively by a group of people and then given to a banker for investing them in rewarding schemes. People generally prefer hiring a banker to handle this.

4. Deposits

People can deposit their money in banks. They will be offered suitable return on their investment. But in this case as well, returns aren’t much. Example – fixed deposits.

Altius Finserv carefully advises you to sort your priority and choose the right form of investment. If in doubt, then contact us. Our acquaintance with the financial sector and its intricacies is extensive. 

Pointers for entrepreneurs to manage their finance - Karan Bagga, Executive Director Altius Finserv

It won’t be wrong to call this eon an eon of entrepreneurs. The advent of social media and widespread use of internet and the allied benefits have brought us to a belvedere which allows us a liberty to innovate and re-invent. This digital age is doing a remarkable job in bringing people out of the closet and letting them experiment with their ideas. No wonder this has led to numerous entrepreneurs flocking the market with their ideas. Some of them stay and some don’t. But there are a large number of entrepreneurs who shelve their ideas just because they get their sums wrong. In the end, it’s the finance that decides the trajectory your business would take. Here are a few tips from Altius Finserv that would help the entrepreneurs in managing their money:

1. Don’t mix business with pleasure:
The first advice from our end would be that don’t be an imbecile and spend the money meant for business on your luxuries. Draw the line. The money meant for business is a ‘no touch’ asset. Use it only for business purposes. This would allow you to make the most of the money and use it optimally.

2. Cut your travel and living cost”
So you made a good amount of profit in the first financial year of your business. Now what? You straightaway go and buy yourself a decent house and a nice ride to the office? Drop the idea. You have just begun. Don’t go that extravagant. Simplicity is the art my friend. Cut your travel and living expenses if possible. Believe us, this saving would come in handy.

3. Get a little help from family:
Well, as they say, blood is thicker than water. This is somewhat true when you have a brilliant idea and need investors to back it up. Let’s accept it that a family member won’t exploit you as much as an outsider investor would.

4. Hire a financial firm :
This might sound clichéd coming from us, but the fact is that you need to depend upon experts to look after your business proceedings. The taxes and so many other regulations and intricacies involved are unnerving. An investment firm would not only handle all these overheads, but would also streamline the operations.

     Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services like debt syndication, public offerings, private placements, spin-offs and restructurings.

Altius Finserv – Taking care of your investments

Among the sectors and domains that often leave one baffled, finance and investment sector ranks on the top. This particular sector affects all of us throughout our life for every decision made in this respect has ripple effects. Due to its dispersive nature, finance and investment concerning decisions are believed to be the toughest ones to make. The global civilization in today’s eon has a myriad of options to invest into. But the common trade-off with such wide openings is the level to which it complicates your decision making.

Such perplexities often cloud your judgment and delude you into making a wrong choice. However wise the decision may seem initially, in the long run, you realize you got your sums wrong. The fallacy not only lies in your understanding of the market, but also in the negligence of the facts concealed beneath the observations.

But we, at Altius Finserv, are competent enough to save you from jeopardizing your money. Altius Finserv Private Limited is a boutique investment banking firm offering financial advisory services. Debt syndication, public offerings, private placements, spin-offs and restructurings are few of the advisory services out of our catalog along with joint ventures, recapitalizations, mezzanine financing, divestitures, leveraged buyouts and mergers and acquisitions services are a few of the services that we offer through our catalog. As an investment banking firm, we also hold a prowess in connecting you with potential investors to facilitate your business.

Under the aegis of an experienced panel, we are already catering to a long list of clients representing various industries, ranging from banking and financial sector to real estate, media to textile along with telecom and healthcare sectors.

Altius Finserv Private Limited

Altius Finserv Private Limited is a Private Company incorporated on 30 July 1993. It is classified as Indian Non-Government Company and is registered at Registrar of Companies, Mumbai. Its authorized share capital is Rs. 200,000,000 and its paid up capital is Rs. 131,725,000. Directors of Altius Finserv Private Limited are Raj Kumar Jain and Pawan Kumar Bansal.

It is a boutique investment banking firm that offers financial advisory services. The firm provides debt syndication, private placements, public offerings, restructurings, recapitalizations, spin-offs, joint ventures, divestitures, leveraged buyouts, mezzanine financing, and mergers and acquisitions advisory services. Additionally, it offers securities brokerage and dealing services. The firm also provides working capital management, structured and project financing, liability restructuring, securitization, and project advisory and appraisal services. It caters to banking and financial services, real estate, media, textile, telecom, and healthcare sectors. Altius Finserv Private Limited was formerly known as Upvan Securities Private Limited. Altius Finserv Private Limited is based in Mumbai, India.

Altius is a fully fledged financial service provider founded by first generation professional entrepreneurs and managed by a highly experienced team. Altius strives to excel in investment banking, debt syndication and capital markets activities.

We cater to the diverse financial needs and offer capital management solutions encompassing debt and equity requirements to its clients. Our interbank dealing platform provides institutions a market for their debt instruments. The equity broking platform provides customized investment solutions to individual, institutional and corporate clients.

We pride ourselves on our relationships with premier Indian corporate groups. Our team has shown a strong execution track record over the years which has been highly spoken by the clients from time to time. We are humbled by our relationships with all major banks & financial institutions.

Altius Finserv Private Limited's Corporate Identification Number is (CIN) U67120MH1993PTC073246 and its registration number is 73246.Its Email address is mansi.mody@altiusfin.co.in and its registered address is 124, 12th Floor, Free Press House, Free Press Journal Marg, Mumbai - 400021, Maharashtra INDIA.