How to use Reliance Money Mobile Trading?

rmoney_mobi Reliance Money customer who has internet access through GPRS or CDMA enabled on his mobile phone can log in to the Reliance Money wapsite i.e. using his existing user id and security token number and trade in equities and commodities.

Along with Trading on mobile you can also keep a track of

  • Intraday Positions / Exposures
  • Your Reliance money trading portfolio
  • Latest market news
  • Stock quotes and much more!


  1. Open your mobile browser
  2. Type and click
  3. Then Login using your existing user ID, Password, and Token No.
  4. Then you will get a screen as in the picture
  5. Click on Trade Now
  6. Choose exchange and scrip details.
  7. Place order and get instant confirmation


This feature is only available to Reliance Money demat account holders. Reliance Money does not charge any fee for this service .


  1. RelianceMoney trading A/c and Reliance Money Demat A/c
  2. GPRS enabled handsets
  3. Subscription to GPRS Data plans with your mobile operator

Yahoo Briefcase service closing

SUNNYVALE, CA - JULY 18, 2006:  (FILE) A sign ...

Image by Getty Images via Daylife

Yahoo’s online file storing service will be discontinued from 30.03.2009. If you store your files in this service, you need to download all your files before March, 30. The text of Yahoo mail is as follows

Dear Yahoo! Briefcase user,
We will officially close Yahoo! Briefcase on March 30, 2009. Until then, we are offering you the opportunity to download your files back to your computer. You need to take action before we close, after which any files remaining on Yahoo! Briefcase will be deleted and no longer accessible.
To access your Yahoo! Briefcase account, click the link below:

If you are a Yahoo! Briefcase Premium subscriber, your current subscription will be cancelled on March 30, 2009. We will refund the unused portion of your Premium subscription, if any. The refund will appear as a credit via the billing method we have on file for you. So please make sure that your billing information is correct and up-to-date. For more information, please visit
For additional information or to review a list of our frequently asked questions, click the link below:

Briefcase Help

We sincerely appreciate your being a Yahoo! Briefcase user.
Yahoo! Customer Support

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Global economic slowdown forcing companies to close the services that are not remunerative . Now a days it is safe to save our files in the portable storage devices.

HDFC hikes prepayment charge for switching TO NEW LENDER

HDFC has started charging borrowers up to three per cent ( EARLIER 2%) of the outstanding loan if they decide to prepay their loans by borrowing from another lender. Loan switching means a borrower can reduce his loan costs by switching to a bank with a lower rate of interest.  Most lenders charge a penalty of up to two per cent of the outstanding loan amount for switching a loan The new lender normally charges a processing fee of about 0.5 to one per cent of the loan amount to take over the loan.

Plain truth is that HDFC wanted to discourage it’s customers from switching to more efficient low cost banks. These measures further decrease the market share of HDFC. The lenders  should not be allowed to discriminate between new and old customers. One day it will happen. That day HDFC have no other option but to treat it’s existing customers fairly. InvestChips predicts the share price of HDFC would come below Rs.500 within a year. Happy Retirement Mr. Deepak.

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Appollo Sindhoori Research reports

Research methods for business students

Image by JaulaDeArdilla via Flickr

Appollo Sinhoori provides it’s research report to it’s customers here.

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BSNL announced it’s 3G Tariffs

Bharat Sanchar Nigam Limited

Image via Wikipedia

BSNL has announced tariffs for it’s yet to be commercially launched 3G services. You can find the details here. I have spent more than 30 minutes  with their tariff card. I must admit my failure that I couldn’t able to really understand the tariffs and schemes. The sad thing is that Current customers of BSNL could not be able to migrate from 2G to 3G.  


Bharat Sanchar Nigam Ltd- Latest News_1235392777753

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Clubbing of Settlements

This is to inform you that Banks are closed on account of strike by Reserve Bank of India [RBI] on Friday, February 20, 2009.

Kindly note that shares bought on February 19, 2009 should not be sold on February 20, 2009 as trades done on both these days will be settled together on February 25, 2009 since February 23, 2009 is a bank holiday.

Further, the settlement date for trades done on Wednesday, February 18, 2009has been re-scheduled to February 24, 2009 since there are no settlements on Friday due to the bank strike.

Kindly note that the pay-in schedule for stocks sold on February 19, 2009 and February 20, 2009 has changed to 09.30 a.m. and 1.30 p.m. respectively which will be settled on February 25, 2009.

Now Print Documents Online in India

Gmail - Now Print documents @ online comfort at @ Rs. 1.50 per page onwards and get delivery at your door step - drchristy@gmail.com_1234966559211 JustPrint is a web based online printing service available at portal. Through this web portal you can upload your files,which may be almost in any format, and combine a multiple number of such files (should you need to) to create a compiled document. You can pay by credit card.

For FAQ, Please click here

Sell Reality Stocks and HDFC

Investchips expressed its negative views on reality sector for sometime. But we thought that DLF might be a exception to that. But events unfolded in last couple of weeks reinforced our earlier negative view on reality sector. Next two years would be a very very difficult and painful period for all the reality companies including DLF. DLF may survive this difficult period. But it may not be same company as it used to be. Slowly the price would climb down to less than Rs.100. Sell on rallies.

Another company we strongly negative is HDFC. In our opinion they are cheating their existing customers. Without customer’s satisfaction, no company can survive  for long term. While selling loans to customers, they made the customers to believe that whenever RBI decrease the key interest rates, they also decrease their RPLR (  Retail Prime Lending Rate) and vice versa. They increased their RPLR as soon as RBI hiked the rates. Now RBI decreased key rates with couple of points many occasions,   but HDFC decreased only 0.5% to the existing customers. The reasons they put forth was their RPLR is tied with their cost of funds. Their own senior management  stated in a press release that the cost of funds are drastically reduced and they are passing the benefit to NEW customers ( 3% decrease for NEW customers where as only 0.5% reduction for OLD customers). It is grossly unfair. INVESTCHIPs again advice NEW home loan seekers to avoid private sector housing finance companies like HDFC, ICICI. Go for private sector banks to seek new home loans. Existing customers having outstanding amount of more than Rs.5 lakhs would save huge amount of money if they change their loan A/c to PSU banks.    HDFC slowly would bleed and naturally die or seek merger with HDFC bank. It’s board can consider resigning their posts and leave it to more efficient people. It’s chairman has received lots of awards like Business Man of the year etc. If any award was given based on ethical grounds or social causes, it should be re-called. SELL HDFC.

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Investchips recommends buying of Rolta India for medium term. Traders can buy IFCI and Idea Cellular.

Tata Capital — NCD offer - Presentation

We are really happy in introducing an IPO from Tata Capital Ltd.,NCDs aggregating 500 Crs. with an option to retain over subscription of Rs. 1,000 Crs.

A very attractive interest rate of 12%No TDS - whatever may be the investment amount. ( Company will not deduct any tax from the interest amount )

LAA+ rating by ICRA & CARE AA+ rating by CARE

.Minimum investment :

Rs.10,000/- ( multiple of Rs.1,000) under Quarterly, Annual interest & Cumulative options.

Rs.1 lac ( multiples of 1 lac ) under monthly interest option.Tenor - 60 months with Put & Call option after 36 months.Listing in NSE.For Detailed Presentation Visit

Tata Capital — NCD offer: Invest

Tata Capital expects to raise a minimum amount of Rs 500 crore under this offer, with the option of retaining an additional Rs 1,000 crore. The issue is already open (was launched on February 02, 2009) and closes on February 24. However, the issue may be closed earlier if the company manages to raise the maximum amount. Proceeds from this issue will be used for activities such as financing, investments, growth of the operations and to partly retire high-cost funds raised earlier.The issue will be in de-materialised mode and listed in the NSE corporate bond market. NCD holders can even trade in these debentures in the secondary market;

The Hindu Business Line - Tata Capital — NCD offer- Invest_1234102137080

For more information, Please click here

TATA Motors FD Details

{{unicode|टाटा समूह}}

Image via Wikipedia

In the current market scenario,  Tata Motors brings you an attractive investment option.

Following are the details of the Fixed Deposit Schemes:

Investment Option I: Scheme - A Quarterly Income Plan

Period   Minimum Amount (Rs)    Rate of Interest (p.a)

1 Year     20,000              10.00%

2 Years   20,000           10.50%

3 Years   20,000        11.00%

0.5% p.a. additional interest for senior citizens / Tata Motors shareholders / Tata Motors employees.

Note - Monthly interest option available in case of deposits of Rs. 1 lakh & above

Investment Option II: Scheme-B Cumulative Deposit Plan

Period     Minimum Amount (Rs) Rate of Interest*(p.a)Maturity Value (Rs.)   Yield (p.a)

1 Year 20,000 10.00% 22,076 10.38%

2 Years 20,000 10.50% 24,607 11.52%

3 Years 20,000 11.00% 27,696 12.83%

0.5% p.a. additional interest for senior citizens / Tata Motors shareholders / Tata Motors employees.

*Compounded quarterly

For more information, please contact any one of the Authorised Brokers viz.,

  • Tata Securities
  • Kotak Securities
  • JM Finanacial

Click to Download

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Book profit in Satyam

Satyam Technology Center at Bahadurpally,Hyderabad

Image via Wikipedia

Initial Sell call, then Buy call and again Sell Call. This what the recommendations of Investchips on Satyam in the last couple of weeks. But the events unfolded in the Satyam can’t be summarised as simple as above. Satyam board wanted the company that wants to buy Satyam, should do so by preferential shares route rather than open market purchase. What it means that the existing shareholders would not benefit from this action in short term as willing acquirer may not increase their stake through open market .    Investchips also recommends selling of Spice Communications as going is not well for this company and operators could not be able to sustain the momentum.

WWIL, Dish TV and Polaris may appreciate as market is expecting some stock specific news on these three. 

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India Inc under siege : India Infoline

~ Urbanely Caged ~

Image by ViaMoi via Flickr

India Infoline gives an insight on 'Q3 FY09 results’ and all sectors are reviewed briefly in it’s latest research report sent to it’s customers. For full report, Please click here.

BSE Market Watch - with more features

January 01, 1998 - September 29, 2000

Image via Wikipedia

In order to facilitate easier and user-friendly access to Indian market and market information, last year BSE came up with one of its major releases; 'Market Watch' - The desktop gadget. Now BSE has come up with some useful updates to this mini program. In the recent version upgrade of the gadget , following  functionalities are added:
Get Quotes: To get the latest stock price of your scrips.
Quick Links: Easy and fast way to access the top visited pages on BSEIndia.

To know more, click here
To download, click here

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Firstsource Solutions Ltd turned bullish

Indian rupee collection

Image via Wikipedia

Buy Firstsource Solutions Ltd with strict stop loss ( 50 paisa below the last week low). It may move past Rs.18 soon. Investchips also recommends Ispat Industries Ltd and Mercator Lines Ltd. Sell 50 % of your holdings when you get more than 15% profit. Carry on your remaining position with trailing stop loss. 

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BSNL introduce New Broadband Rural Plans

Bharat Sanchar Nigam Limited

Image via Wikipedia

BSNL has introduce two new Rural Broadband Plan  with no registration Security deposit and installation fees.

S. No Particulars Rural USO 99 Rural USO 150
1 Bandwidth 512 Kbps up to 2 Mbps 512 Kbps up to 2 Mbps
3 Broadband Fixed Monthly Charges (FMC) in Rs. Rs.99 Rs.150
4 Download/Upload limit 400 MB 1 GB
5 Broadband Usage Charges / MB beyond free Download/Upload limit in Rs. 0.40 0.40


Note: -

         1. All other taxes shall be charges as per prevailing rate as notified by Govt. of India from time to time.

          2. BSNL will not charge for Registration, Security Deposit and Installation.

          3. All other terms and conditions will remain the same.

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Going for Housing Loans? Choose Public Sector Banks.

Are you going to purchase your new dream home? Good idea. Prevailing depressed market condition may be the right time to do so. To fund your new purchase, you need to avail housing loans. As a new customer, you will be offered attractive rates from both private and public sector housing financing companies.   Private sector players like HDFC and ICICI Housing Finance may offer you initial, special and attractive summer or monsoon offers. They may offer you quick approval and easy documentation.  Beware that, these things comes with a price. No free lunches offered. Their variable rate loans are not truly variable. If the RBI increases interest rate, private sector players increase the rate in the mid night itself.  When the regulator decrease the rate, they will not decrease the old loan rates. Even if they decrease,  that would be meagre.

Getting the approval of home loans from the public sector banks may be cumbersome and time consuming. But after sanctioning of loans, your peace of mind is guaranteed. They would decrease the loan rates atleast at the instance of politicians. Before deciding, please see my HDFC Home loan interest rate schedule (for Rs.5.5 lakhs and for 20 years – I pre paid Rs.1.5 lakhs and present principle out standing is Rs.3.7 lakhs)


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Buy GHCL Ltd


Image by c.fuentes2007 via Flickr

Buy GHCL Ltd for a target of Rs.35. Also accumulate Nagarjuna Fert for a target of Rs.19 then Rs.21. Spice Telecom may appreciate further. Insiders may push it to triple digits. Investchips advice you to Trade Spice also Buy Today and Sell Tomorrow.  Accumulate Satyam in dips. It is a trade Buy with a strict stop loss.

GVK Power and Infrastructure Ltd is a Good Buy


Image via Wikipedia

Investchips strongly recommends GVK Power and Infrastructure Ltd ( Target Rs.25) and Triveni Engineering & Industries Ltd (Target Rs.80). Both would achieve the target price with in 3-6 months depending upon the overall market conditions. Spice Telecom may spring more surprise and Satyam may gain further as Government appointed board did some wonderful initiatives which would improve long-term interests of the company. Satyam may turn volatile (in sync with broad market) with upward bias.   

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Want to revive your lapsed LIC policies?

Are any of your LIC policies lapsed because of non payment of premiums ? You can revive your lapsed policy with some concessions. LIC launches a “Special Revival Campaign” from 19.01.2009 to 28.02.2009. For the first time, revival allowed for policies lapsed for more than 5 years. Contact your nearest LIC branch or agent for more details.

Disclaimer & Privacy Policies

(c) Mrs. Ruby Christy. This site and contents are owned by Mrs. Ruby Christy;
Use of this website and/or services offered by us indicates your acceptance of our Disclaimer& Privacy Policies.

Information and opinions provided on this website ( has been independently obtained from sources believed to be reliable. However, such information may include inaccuracies, errors or omissions. and its affiliates, information providers or content providers and R.John Christy and his Family shall have no liability to you or third parties for the accuracy, completeness, timeliness or correct sequencing of information available on this website or feeds, or for any decision made or action taken by you in reliance upon such information, or for the delay or interruption of such information.,its affiliates, information providers ,content providers and R. John Christy and his Family shall have no liability for investment decisions or other actions taken or made by you based on the information provided on this website. Any action you choose to take in the markets is totally your own responsibility. and R. John Christy and his Family will not be liable for any, direct or indirect, consequential or incidental damages or loss arising out of the use of this information. This information is neither an offer to sell nor solicitation to buy any of the securities mentioned herein. Opinions expressed by R. John Christy are his own and not of his past, present and future employers.
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