Let's Unravel Finance Together
Finance Professional with passion for equity research, valuations, and credit risk analysis.
Finance Professional with passion for equity research, valuations, and credit risk analysis.
GREETINGS! I'm just a humble learner on a journey through the world of finance and entrepreneurship. With a foundation in ECE from HITK, Kolkata, I'm now expanding my horizons as an MBA grad at TAPMI Manipal.
My curiosity has led me to explore areas like personal finance, derivatives trading, digital marketing, SEO, AI tools, prompt engineering and video editing. I've been fortunate to participate in various technical events and community programs, which have enriched my learning experience.
I'm an avid reader, always seeking to absorb new insights in my field. My dream? To make a meaningful impact in the fin/tech industry, driving both business growth and positive social change.
Demonstrated proficiency in navigating LSEG Workspace for financial data analysis and market research.
Successfully cleared CFA Level 1 examination, demonstrating proficiency in investment analysis, portfolio management, and ethics.
Gained foundational knowledge in key financial concepts and their practical application using Bloomberg.
Certified expertise in equity derivatives market, trading strategies, and regulatory framework.
Qualified Research Analyst with comprehensive understanding of securities analysis and valuation.
Specialized training in Environmental, Social, and Governance (ESG) investment strategies and data analysis.
Core certification covering Economic Indicators, Currencies, Fixed Income, and Equities.
Certified in process improvement methodologies to enhance operational efficiency and quality management.
Mastered credit risk assessment techniques, portfolio management strategies, and risk mitigation frameworks.
Developed expertise in building DCF models for company valuation, forecasting, and investment analysis.
EMI is a fixed payment amount made by a borrower to a lender at a specified date each month.
EMIs are calculated using the formula:
EMI = [P × r × (1 + r)^n]/[(1 + r)^n - 1]
Where:
P = Principal loan amount
r = Monthly interest rate
n = Number of monthly installments
| Payment No. | Date | EMI (₹) | Principal (₹) | Interest (₹) | Balance (₹) |
|---|
Net Present Value (NPV) is a financial metric that calculates the difference between the
present value of cash inflows and outflows over a period of time. For real estate
investments, this helps determine if rental income and potential property appreciation
justify the initial investment.
NPV = Initial Investment + Σ (Cash Flow_t / (1+r)^t) + (Final Sale Value /
(1+r)^n)
Where:
r = Discount rate
t = Time period
n = Total number of periods
| Year | Rental Income (₹) | Expenses (₹) | Net Cash Flow (₹) | Present Value (₹) | Cumulative NPV (₹) |
|---|
Retirement Planning involves calculating how much you need to save regularly to meet your
retirement goals. This calculator uses the compound interest formula and accounts for
inflation to give a realistic picture of your future needs.
FV = P × (1 + r)^n + PMT × ((1 + r)^n - 1) / r × (1 + r)
Where:
FV = Future Value needed
P = Initial principal
r = Interest rate
n = Number of periods
PMT = Regular payment amount
Kolkata, West Bengal, India
amiteshray67@gmail.com
+91 7602185147