What is Finnifty? Kya hai Nifty FInancial Services Index

Doston aap sab logo ko shayad pata hoga Finnifty ke news ke baare me. Kya hai Finnifty? Kya ispe trading karna sahi hoga aap sabke liye? Aakhir F&O derivatives ye hota kya hai. Aaj ke Post me main aapko yahi bataunga ke Finnifty me trading kaise hoga, aur kaise ye segment 2021 me impacted hoga Indian GDP aur EConomy ke movement ke wajah se. 

NIFTY and Bank Nifty
NIFTY NSE Indices LTD ke andar ek aisa Index hai jaha par desh ke top 50 stocks listed hai. Ye stocks un bade companies ke hai jinke movement se market ka overall movement depend karta hai. NIfty ke andar bhi Bank NIFTY ek aisa index hai jaha par India k major banks ke shares ka trading hota hai. Aaj ka Finnifty, yahi Financial Services Index ke upar based hai. 

NSE, jo NIFTY index ko manage karta hai, usne Financial Services Index par F7O contracts, jisme weekly options bhi honge, usko introduce kiyahai from January 11 2021. Isi ko Finnifty kaha jaa raha hai. List me top banks, insurance companies, NBFCs and other financial institutions hai. Finnifty ka underlined index financial trading index hoga. Saare investors ke liye khushi ki baat ye hai ki NSE ne kaha hai ki wo FINNIFTY pe aane waale 6 mahino me koi bhi exchange transaction charge nahi lagayegi. 

FINNIFTY kyun hai Bank NIFTY se Alag
Bank NIfty me aap sirf Bank stocks pe invest kar sakte hai. Waha pe FINNIFTY pe aap insurance, NBFCs, Forex and other financial institutions me invest kar sakte hain. Yaha par NSE ne pehli bar Bank and Financial companies ke upar Futures and Weekly Options trading ka opportunity khol diya hai. Jo log F&O me deal karna pasand karte hai, wo logon ke liye ye bahut badi khushkhabri hogi. Futures ka matlab hota hai ek aisa trading jaha par aap koi ek stock ko ek future date pe, ek prefixed price me khareed ne ka deal karte hain. Options ka matlab hai rights khareedna, ek premium ke against. Yaani aap ek stock ya equity ya product ko, future ke kisi bhi date me khareedne ka rights khareed rahe ho, iske liye aapko trader ko ek certain amount pay karna hota hai jisko Premium kehte hai. Agar aapke selling date pe aapka product ka market spot price, aapke fix kiye hue price, yaani strike price se kam ho, to fir aap usko na khareedne ka option ko exercise nahi karenge. Yaani more power to the trader, aur isiliye investors sabse zyada deal karte hain Futures and Options aur fir Intraday me. Aue ye option NSE ne pehli baar financial sector me apply kiya hai. Isiliye iska popular hona kaafi common sense waali baat hogi. 11th Jan ko 15k ke level se start karke FINNIFTy aaj market band hone tak 15700 ka mark cross kar chuka hai. Yaani already ye product investors ke beech popular ho raha hai. Finnifty ka contract size lot hai 40 aur duration hai weekly. 

Indian Economy ka FINNIFTY pe impact
Aaj hi, yaani 12th january ko RBI ke Governer ke Banks ke valuation ko leke practical hone ki zaroorat pe statement diya hai. Yaani Indian banks ki halat utni acchi nahi hai ye sabko pata hai. PSBs yaani Public Service Banks ki halat bahut hi kharab hai aur isi wajah se mergers chalu hai. Indian Bank ke saath Allahabad Bank ka merger, PNB ke saath UBI ka merger. Cooperative banks almost band hone ke kagaar par hai. PMC fraud case ke baad, Laxmi Vilas Bank ka case saamne aaya, jiske baad sarkar ne jaldi jaldi me DBS bank, jo ek Private bank hai, usko Laxmi Bank ka control de diya. Abhi experts ka ye maan na hai ki SBI ko chorkar baaki saare PSB s ka future bahut hi kharab hai. Aane wale dino me, Sarkar, apni 2.1 Trillion disinvestment ka target poora karne ke liye, shayd saare PSBs ko ek hi brand ke niche merge kare jo shayad SBI hi hogi.

NBFCs ki halat kharab hai, bahut saare chote NBFCs shayad permanently band bhi ho jaye, sarkar ne bade NBFCs ko bank kholne ki permission bhi de rakhhi hai jisse ye sector aur pressure me aa sakta hai. Loans bechne ke chakkar me agar regulations ko side me rakh diya to 2008 waala housing market crash, India me ho sakta hai. Aur yahi main problem hai jo FNNIFTY ke future ko kharab kar sakta hai. India ki GDP bhi -7.5% ke ass pass kaha gaya hai is quarter me. Aur isko wapas positive figures me aate aate kitna mahina lagega ye bhi badi baat hogi. Pandemic ka impact theek hone kebaad jab saare sectors firse functional honge, tab jaake koi permanent picture milega ki ye FINNIFTY ka future kya hai. Tab tak, aapko daily events, supports and resistence levels keupar dhyan rakhna padega. 

Index constituents

Company Industry Weight%
HDFC Bank Banks 27.13
HDFC Housing Finance 17.51
ICICI Banks 14.14
Kotak Banks 12.1
Axis Banks 6.46
Bajaj Finance NBFC 5.64
SBI Banks 4.06
Bajaj Finserv Insurance 2.29
HDFC Insurance Insurance 2.21
SBI Life Insurance Insurance 1.43
ICICI Lombard General Insurance Insurance 1.37
Shriram Transport Finance NBFC 0.87
ICICI Prudential Life Insurance Insurance 0.74
Piramal Other Financial Services 0.68
Bajaj Holdings & Investments NBFC 0.66
Cholamandalam Investment & Finance NBFC 0.66
HDFC AMC Other Financial Services 0.59
Power Finance Corporation Financial Institution 0.54
REC Financial Institution 0.49
Mahindra and Mahindra Financial Service NBFC 0.44

Sectoral representation
Nifty Financial Services Nifty 50 Nifty 500 Nifty Bank
Banks 63.1 26.5 20.3 100
Housing Finance Companies 18.5 7.5 5.6 0
NBFCs 8.1 2.3 3 0
Insurance Companies 8 2.5 2.5 0
Other Financial Services 1.3 0 1.4 0
Financial Institutions 1.1 0 0.3 0
Total Financial Services Exposure 100 38.7 33.2 0
Nifty Financial Services is a far more diversified index than Bank Nifty.







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