Tag: Gold investment

4 investment options you can pick this Diwali

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Diwali –the festival of lights- is considered one of the most auspicious occasions. It is believed that any investments made on this day may provide good returns in the future. From gold to mutual funds – there are options galore which can help investors in increasing their wealth.

Here are 4 investment options one can consider:

Gold-related investments

Gold is a common investment for Diwali and Dhanteras. Investments in gold can be made either in physical or a paper/electronic format.

While physical gold involves investing in bullion gold, like bars, coins, or jewelry, the value of which is determined by the actual gold content, digital gold is an easy and convenient way of investing without concerns of purity, making charges, and storage.

Physical gold doesn’t require a demat account, has minimal paperwork, and doesn’t incur additional charges except for GST, but purity, safety, and storage are key concerns.

Also read: 5 financial gifts to give your loved ones

The Exchange-Traded Funds (ETFs), gold mutual funds, and sovereign gold bonds (SGBs) are forms of digital gold that one can consider.

Mutual funds via Systematic Investment Plan (SIP)

This Diwali, investors can also start mutual fund SIPs for long-term wealth creation. SIP is a method of investing a fixed sum regularly in a mutual fund scheme. It allows an investor to buy units regularly on a specific date of the month.

According to experts, investing through SIPs is the best way to invest money in mutual funds for monthly salary earners. The SIP may not be very appealing initially but with time, the investment can grow multi-fold.

Real estate

According to Ram Raheja, director, S Raheja Realty, the Q4 of any calendar year has always witnessed a maximum number of sales in India as many buyers consider the festive season auspicious for property investments. Real estate has also emerged as a preferred asset class as the world was gripped with uncertainty during the pandemic and subsequent lockdown.

It is a stable investment that could give higher returns in the long run.

Investment in equities

Investing in stock markets can also be considered this Diwali. However, it should only be done with a long-term time horizon.

Disclaimer: The views and investment tips expressed by investment experts on CNBCTV18.com are their own and not that of the website or its management. CNBCTV18.com advises users to check with certified experts before taking any investment decisions.

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KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Diwali 2020: Here are different ways to invest in gold this Dhanteras

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Gold buying is considered auspicious during Dhanteras – the first day of the Diwali festival. With the benefits of liquidity, value appreciation, and acting as a hedge against inflation and currency valuation, investing in gold is essential for a well-diversified portfolio. Additionally, investors believe that gold brings financial security to their portfolio.

Investments in gold can be made either in physical or a paper/electronic format.

While physical gold involves investing in bullion gold, like bars, coins, or jewelry, the value of which is determined by the actual gold content, digital gold is an easy and convenient way of investing without concerns of purity, making charges, and storage.

Also read | Diwali Muhurat trading 2020: Here are the key things to know

Here are the details related to different types of gold investing, which investors can consider this Dhanteras:

Physical gold

Physical gold doesn’t require a demat account, has minimal paperwork, and doesn’t incur additional charges except for GST, but purity, safety, and storage are key concerns.

According to Gopal Kavalireddi, head of research, FYERS, it is one of the most sought out options for purchases during auspicious occasions.

“However, with the introduction of more convenient options, investors have restricted physical gold purchases to a minimum,” he opines.

Digital gold

This is another form of investing in gold with other options as gold Exchange Traded Funds (ETFs), gold mutual funds, and sovereign gold bonds (SGBs).

Gold ETFs

In Gold ETFs, as Kavalireddi explains, gold equivalent to physical quantity is deposited in an electronic form, in the purchaser’s demat account.

“These gold ETFs are traded on stock exchanges, similar to shares of any listed entity, making it convenient for an investor with a demat account. Liquidity without any lock-in period or exit loads are additional advantages. Gold ETFs qualify for long-term capital gains if held for a year or more,” he explains.

Gold ETFs are accepted as collateral for loans in financial institutions.

“The minimum investment in Gold ETF is 1 unit (equivalent to 1 gram) and involves brokerage or commission charges of 0.5 to 1 percent. Gold ETFs are fast gaining popularity, with investors putting in close to Rs.6350 crore in CY2020,” Kavalireddi elaborates.

Gold mutual funds

Gold mutual funds are open-ended funds that invest in gold ETFs or in shares of gold mining companies. Regulated by Sebi, an investor can invest as low as Rs 500 (through a systematic investment plan) or any amount greater than Rs 5,000 as lumpsum.

“Gold mutual funds are ideal for passive investors looking to build wealth through a systematic savings mechanism with smaller savings. However, these mutual funds attract exit loads if units are redeemed within the predefined lock-in period,” Kavalireddi says.

Sovereign Gold Bonds (SGBs)

Sovereign Gold Bonds (SGBs) are issued in tranches by RBI on behalf of the government of India. These bonds are ideal for investors with a long-term horizon, as the maturity period of the bonds is 8 years.

Redemption is possible after five years from the date of issuance. The bond will be tradable on stock exchanges if held in demat form and can also be transferred to any other eligible investor. In addition to capital appreciation, investors are paid 2.5 percent guaranteed interest on an annual basis.

Disclaimer: The views and investment tips expressed by investment experts on CNBCTV18.com are their own and not that of the website or its management. CNBCTV18.com advises users to check with certified experts before taking any investment decisions.

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KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Gold: A ‘must’ have asset in a portfolio

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Authored by Nitin Kabadi

The epitaph of gold as a long-term investment option has been written quite often and it has faced intense mockery too from some doyen of the investment world. For instance, now turned optimistic– Warren Buffet had once perceived that gold is a useless metal.

Contrary to the perception of skeptics, Gold has been able to maintain its shine by generating long-term positive returns in both good as well as bad times, in periods of inflation as well as deflation.

Looking back at almost half a century, the prices of gold have risen by an average of 10 percent per year, since 1971, when the iconic treaty of Bretton Woods collapsed where it linked the supply of dollars with the amount of gold in the coffers of the US central bank. In the last twenty years, gold has outperformed all asset classes ranging from the US bond to the stocks, developed market equities to the major commodities.

Few global studies now suggest that adding 2-10 percent of gold to the US-dollar based portfolio results in a sizable improvement in the performance on a risk-adjusted basis.

Indian’s Allocation to Gold Relatively High

The affinity of an Indian towards gold can be gauged from the fact that the country is the world’s largest holder of the yellow metal.

According to the World Gold Council, India is estimated to have accumulated up to 25,000 tonnes of gold till date. In India, an average monthly per capita expenditure on gold and jewelry is Rs 494 in urban households and Rs 233 in rural households. This accounts for nearly 23 percent of the households’ durable purchases.

Gold Investment: From Physical to Digital

The exposure of gold in the investment basket has been primarily limited to physical gold so far. The risk of keeping physical gold safe along with the steps taken by the government to discourage physical buying in order to reduce import dependence has pushed investors to look at an electronic way of taking exposure to the yellow metal.

The virtual mode of investment includes Gold exchange-traded funds, e-gold and sovereign gold bonds. Electronic investment has drawn investors’ attention to affordability. As a result, investors with small denominations too can now purchase e-gold (Paytm is offering SIP of as low as Re.1 per day).

Why Gold ETF Scores Over e-Gold?

A closer analysis shows that the virtual investment through Gold ETF scores over the e-gold format. Sovereign gold funds have a lock-in period of 5-years, therefore when looked at from the liquidity perspective, ETF and E-gold are the only alternatives for an investor looking at virtual investment.

The biggest comfort for adopting an ETF route is the presence of a regulator, it ensures the safeguarding of investors’ interest. The market regulator Securities and Exchange Board of India (SEBI) ensures that the statutory audits are followed and timely checks and balances are done. The intensive scrutiny and oversight by the regulators allay the biggest fear of a gold investor — purity of the metal.

In addition, an e-Gold investor had to bear the burden of an additional 3 percent goods and services tax (GST), which is similar to buying physical gold. Meanwhile, the GST levied while buying gold through ETF is not only credited back but is also ploughed back to the fund value.

Another hitch for an e-Gold buyer is storage charges. It is levied if an investor holds the product for more than two years. Also, digital gold products typically have the maximum holding period for taking delivery of gold or an investor needs to sell it back. This arrangement limits the investment period. In order to keep a digital e-gold account active, one needs to do at least one transaction every six months. All of these factors make a major dent in the attractiveness of e-Gold. On an operational cost comparison basis, as well, e-gold turns out to be much more expensive when compared to the gold ETF.

Gold ETFs Gaining Prominence in India

The growing interest for the Gold ETF can be gauged from the fact that this category has witnessed inflows of Rs 4,464 crores in the last six months when the retail demand remained insipid. As a result, the asset under management of the Gold ETF rose to Rs 13,589 crore at the end of September 2020 compared with Rs 7,949 crore in March 2020.

The growth in the gold ETF is mirroring the global market trend, where the gold ETFs have recorded their tenth consecutive month of net inflows, taking its holdings universe to a fresh new all-time high of 3,880 ton and $235 billion in AUM. Globally, the Gold ETFs account for 35 percent of the total gold demand as compared with 8 percent seen a decade ago.

Nitin Kabadi is Head ETF Business, ICICI Prudential AMC. Views are personal

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Thursday’s filing dispelled some doubts, though Musk still has work to do. He and his advisers will spend the coming days vetting potential investors for the equity portion of his offer, according to people familiar with the matter

KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Planning to invest in gold this festival season? Here’s what you need to keep in mind

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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As festival season is around the corner, people may be looking to buy gold, which is considered auspicious in Indian tradition. Most often, individuals buy jewellery on such occasions, or in case if the purchase, is for investment purposes, then a gold coin or bar tends to be the preferred option.

While the purchase is any, Anurag Jhanwar, Co-founder and Partner, Fintrust Advisors LLP advises people to first value all forms of their gold holdings, so that they do not go overboard with one asset class.

“10 percent to 15 percent of total net worth is ideal allocation,” he suggests.

For people buying physical gold, Vaibhav Saraf, Director of Aisshpra Gems and Jewels says it is always better to buy hallmarked and BIS certified jewellery which indicates the purity of gold.

“While designs and trends can change, the value of gold jewellery remains the same,” he opines.

He further advises consumers to surely ask for a billing invoice (while buying gold) which includes important details of the transaction.

“This will offer transparency on all charges,” he says.

Additionally, Ishu Datwani, Founder, ANMOL suggests consumers to go for classic and timeless jewellery and exclusive designs

“Always buy from a reputed jeweller who gives buy-back guarantee,” he adds.

On the other hand, those looking to invest in paper gold can go for this season for safety and liquidity.

“One of the primary advantages is that ETFs are held in demat form, and one needn’t worry about the safety aspect. Also, the cost of acquisition is very low, given the absence of making charges and other related expenses. One can even consider doing a SIP for as low as Rs 1,000 every month to collect gold units over a period of time, to meet any future requirement,” says Chintan Haria, Head- Product Development & Strategy, ICICI Prudential AMC Ltd.

In case one does not possess a demat account, Jhanwar advises to invest in a gold mutual fund that tracks gold ETF.

Another alternative is Sovereign Gold Bond (SGB), which though illiquid pays an additional annual interest of 2.5 percent on the total invested capital.

Disclaimer: The views and investment tips expressed by investment experts on CNBCTV18.com are their own and not that of the website or its management. CNBCTV18.com advises users to check with certified experts before taking any investment decisions.

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KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

SGB subscription closes today; here’s how you can invest in it online

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Sovereign gold bond (SGB), for which investors get a holding certificate, comprises of government securities denominated in gold wherein investors are required to pay the issue price in cash. SGBs have recently emerged as one of the most sought after products among investors.

According to Debajit Saha, senior analyst, Precious Metals at Refinitiv, investors have purchased 17 tonne of gold using SGB between April and August this year.

Saha said so while quoting Reserve Bank of India (RBI) data.

The sudden rise in demand for this type of product may have been borne out of necessity, Saha added. Additionally, this indicates that investors’ preferences for their investment options are changing.

With the last installment (series VI) of the ongoing SGB scheme closing for subscription on Friday, some investors may still be looking to invest in it.

Such investors can invest in SGBs via online banking or through their demat accounts.

To invest through banks, customers will need to log into their net banking account. The bank page will show the SGB option (mostly in investment options). It can also be available on the bank’s home page or under services.

“Generally during an ongoing tranche, banks display SGBs on their homepage itself for better visibility. Since users have a net banking account with a bank, it is safe to assume that they are already KYC compliant. So, when they land on the registration page, they might or might not get a pre-filled form depending on the bank they are associated with,” explains Tushar Bopche, product head – AUM Business, YES Securities.

SGB application forms ask for name, address, guardian’s name in case the investor is a minor, PAN number, and so on

For buying bonds through brokers/exchanges, investors should have demat and trading account with BSE/NSE. As all details and KYC are already there with traders via demat accounts, investors just have to select quantity and submit online.

“Investors can also call their relationship manager or customer care to confirm the order online,” further explains Bopche.

The added advantage with brokers is that investors can see the rates live and sell them any time they want.

Disclaimer: CNBCTV18.com advises users to check with certified experts before taking any investment decisions.

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KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Sovereign gold bonds open for subscription today; check issue price and other details here

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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The last installment (series VI) of the Sovereign Gold Bond (SGB) scheme for 2020-21 opened for subscription on Monday. The issue price for the same has been fixed at Rs 5,117 per gram of the yellow metal. Online subscribers can however secure these bonds at a discount of Rs 50 per gram.

This subscription of bonds will close on September 4, according to Reserve Bank of India (RBI).

Here’s all you need to know about Sovereign Gold Bond (SGB) scheme:

Definition

SGB is issued by the government, for which investors get a holding certificate. It comprises government securities denominated in gold wherein investors are required to pay the issue price in cash.

Also read: Why you should not consider physical gold as an investment

Eligibility

These are restricted for sale to resident individuals, HUFs (Hindu Undivided Families), trusts, universities and charitable institutions.

How is the price determined?

The price is determined on the basis of a simple average of the closing price 999-purity gold published by the Mumbai-based India Bullion and Jewellers Association (IBJA) for the last three working days of the week preceding subscription.

Also read: How are different forms of gold taxed?

Investment limits

The minimum permissible amount allowed for investment in SGB is one gram of gold. The maximum subscription limit for SGBs is 4 kg for individual, 4 kg for HUF, and 20 kg for trusts and similar entities per fiscal (April-March).

Interest rate

Investment in SGB comes with an assured 2.5 percent interest payable to the investor.

Maturity

The tenor of the bond is for a period of eight years with exit option after fifth year to be exercised on the interest payment dates.

Should one invest?

According to Nish Bhatt, Founder and CEO, Millwood Kane International – an investment consulting firm, SGB is an effective way to invest in non-physical gold, wherein an investor does not have to worry about the storage of gold as it is in a demat form and there are no local taxes that a buyer needs to pay if buying physical gold.

Disclaimer: CNBCTV18.com advises users to check with certified experts before taking any investment decisions.

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KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Investor gold rush in the west offsets collapse of Asian market: World Gold Council

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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A record-breaking flood of gold investment that has driven prices to all-time highs was not enough to stop a collapse in jewellery sales from cutting global demand for the metal by 6 percent in the first half of 2020, the World Gold Council (WGC) said.

The coronavirus pandemic triggered stockpiling of gold in Europe and North America as insurance against inflation and market turmoil, driving prices up almost 30 percent this year to more than USD 1,950 an ounce. However, high prices and lockdowns strangled sales of jewellery, bars and coins in Asia.

Investors amassed a record 1,131 tonnes of gold, worth USD 60 billion, over the six months to June, up from 595 tonnes in the same period of 2019, the WGC said in its latest quarterly report on Thursday. Use of gold in jewellery meanwhile plunged to 572 tonnes from 1,065 tonnes last year, it said, taking overall demand in the period to 2,076 tonnes.

“COVID-19 created the perfect storm for gold investment as historic (central bank) liquidity injections and record low interest rates significantly cut the cost of carrying gold,” said the WGC’s Louise Street. “Consumer demand took a brutal hit.”

Investment will likely stay high and consumer demand should improve, Street said, pointing to better sales in China as it eased its lockdown. Driving consumption in the first half were exchange-traded funds (ETFs) storing gold mainly on behalf of larger, financial investors, which added 734 tonnes, more than in any previous full year.

Sales of investment bars and coins were strong in Europe and North America but tumbled in Asia, with owners in Thailand even selling 41 tonnes back into the market, the WGC said. Central banks, one of the key drivers of gold demand in recent years, cut purchases to 233 tonnes from 386 tonnes in the first six months of 2019.

Total gold supply in the period was 2,192 tonnes, down 6 percent year on year.

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KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Too many gold investment options confuse you? Here’s how to find what’s right for you

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Gold investment is considered as a means to bring financial security in one’s portfolio. From buying gold in physical form to investing in paper gold such as gold exchange-traded funds (Gold ETFs) or sovereign gold bonds (SGBs), there are several options available in the market.

However, too many options may confuse investors and they may be left wondering which investment mode suits them more.

In view of this, let’s discuss different parameters of investments and see which options suit the needs more:

Liquidity

Liquidity is an essential factor when it comes to investing. Most people want to invest in schemes that are easily accessible.

When it comes to investing in the yellow metal, gold ETFs offer better liquidity, says Ishu Datwani, founder, ANMOL — a jewelry entrepreneur.

Unlike gold funds, ETFs don’’ have any exit loads, which means investors can buy or sell the units at any time during the market hours. Units of gold funds can be redeemed by selling them back to the fund house based on the NAV for the day.

On the other hand, SGBs are invested for 8 years with an option to exit from the fifth year onwards.

Better Returns

Needless to say, any investment is done with the motive to earn returns. Sovereign Gold Bonds or SGBs are the best choice when it comes to returns, say experts.

Apart from capital appreciation, SGBs offer an extra 2.5 percent return per annum.

Investment Limits

While there is no limit on purchasing physical gold, gold ETFs and SGBs have minimum investment limits. SGBs also have maximum limit, while there is no such limit in ETFs.

Taxation

Investment in physical form is taxable like any other capital asset.

“If gold is held for more than 3 years, it is taxable as Long Term Capital Gain (LTCG) at 20 percent (exclusive of education cess and surcharge) and Short Term Capital gain is taxable at normal tax slab applicable to the investor,” explains Gopal Bohra, partner, NA Shah Associates. Gold ETFs/gold MFs are also taxable like physical gold.

On the other hand, the interest earned is taxed as income from other sources in case of SGBs. In case the bonds are held to maturity, the capital gains are tax-exempt, which makes it a better option.

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Thursday’s filing dispelled some doubts, though Musk still has work to do. He and his advisers will spend the coming days vetting potential investors for the equity portion of his offer, according to people familiar with the matter

KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Why you should not consider physical gold as an investment

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Buying gold has been the traditional method of investing in India and is still one of the most sought-after investment plans for many. However, most investment experts argue that buying physical gold should not be considered as an investment.

One can buy physical gold in the form of jewellery, coins and bars. People may cherish possessing gold, in particular, jewellery, forgetting they pay for its making charges and GST.

“These making charges are irrecoverable on resale,” say experts. Likewise, gold coins and bars come with processing charges, which are again irrecoverable.

“Traditionally, gold purchase is driven by sentiment, not logic or calculation. People buy gold for future emergencies as it offers quick liquidation. Statistically, such emergencies rarely occur and more often than not get resolved by other modes of investment which are easy and readily available,” according to Tushar Bopche, Executive Vice President, YES SECURITIES.

Being a physical asset, the chances of it being lost or taken away by other means are much higher.

“It has a very high markup for support services.  People pay taxes, they pay the jeweller and the designer, they pay the bank to store it, and other than the certified bullion, they sell the jewellery in less than the market rate,” he adds.

Digital gold, on the other hand, offers a convenient transaction with a relatively lower cost of resale and greater liquidity as compared to the physical gold.

“The storage and security cost of a physical asset is higher as compared to digital gold, which makes the digital route a superior alternative. There is transparency in prices as it tracks current market gold prices and no concerns with regards to theft or storage,” explains Anurag Jhanwar, co-founder and partner, Fintrust Advisors LLP.

Owing digital gold is also easy, adds Prof. Arvind Sahay, chairperson, India Gold Policy Center, IIM-Ahmedabad.

‘Digital Gold’ allows investors to purchase gold coins, bars and jewellery online.

Patym Mobile Wallet, Gold Rush by the Stock Holding Corporation of India and Me-Gold of Motilal also give the option to take an exposure to physical gold through digital route.

Another option is to buy either Gold ETF or Sovereign Gold Bonds (SGB).

Gold ETFs are listed instruments whose market prices are linked to domestic gold prices.

“This can be bought over an exchange (BSE/NSE) with gold as the underlying asset. However, the expense ratio and broker cost must be accounted for before buying ETF,” Jhanwar elaborates.

Gold ETFs attract a capital gains tax of 20 percent with indexation if sold after 36 months.

SGB, on the other hand, is a certificate scheme in which the RBI issues bonds on behalf of Government of India. It comprises government securities denominated in gold wherein investors are required to pay the issue price in cash. The bonds are redeemed in cash on maturity.

SGB on redemption is exempt from long-term capital gains tax.

Disclaimer: CNBCTV18.com advises users to check with certified experts before taking any investment decisions.

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Thursday’s filing dispelled some doubts, though Musk still has work to do. He and his advisers will spend the coming days vetting potential investors for the equity portion of his offer, according to people familiar with the matter

KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow

Explained: How to buy and sell digital gold via Paytm app

KV Prasad Jun 13, 2022, 06:35 AM IST (Published)

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Traditionally, gold is considered as one of the best investment options. While there have been many ways to buy the yellow metal, the Indian gold market is registering a massive interest in digital buying.

Paytm, country’s digital payments and financial services platform, in collaboration with MMTC-PAMP, offers a platform to buy, store and sell digital gold.

“The app offers a cost-effective and smart investment option for new-age investors,” Paytm said in a statement.

(Also read: Gold mutual funds or ETFs: Which is a better investment option)

The customer can buy 99.99 percent pure gold at a starting price of Re 1 and store at the insured vaults for free. The platform also offers multiple gold saving plans to help customers invest and build their wealth.

Here are the steps to buy digital gold via Paytm:

Step 1: Log into Paytm app and tap on ‘Banking & Finance’ icon.

Step 2: Click the ‘Paytm Gold’ icon. One can purchase gold either in rupee terms (amount) or quantity (grams).

Step 3: After selecting preferred option, tap on the ‘proceed’ button. The app will show the price of gold per gram. This price is inclusive of GST at the rate of 3 percent.

Step 4: Select the preferred mode of payment – Paytm UPI, net banking, debit cards, or Paytm wallet. Once the payment is successful, the gold will be added to the locker and user will receive a confirmation via an SMS on the registered number and registered email ID.

(Also read: Gold investment explained: How are different forms of yellow metal taxed)

Here are the steps to sell digital gold via Paytm:

Step 1: Log into Paytm app and select the ‘Gold’ icon.

Step 2: Select ‘Sell’ option appearing at the top of the page.

Step 3: One can sell gold accumulated on Paytm in either rupees or gram. For example, user can either sell 0.1 gram or Re 1 and above.

Step 4: Select the preferred way and add the bank account number and IFSC code to enable the sell transaction.

Step 5: Your transfer would be initiated and will be credited to your bank account within 72 hours.

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3 Mins Read

Thursday’s filing dispelled some doubts, though Musk still has work to do. He and his advisers will spend the coming days vetting potential investors for the equity portion of his offer, according to people familiar with the matter

KV Prasad Journo follow politics, process in Parliament and US Congress. Former Congressional APSA-Fulbright Fellow