Last week a leading insurer rejected a health insurance claim
The post went viral on social media😥

Why do claims get rejected?🤔
What can you do so that ur claim doesn't get rejected?

A thread🧵on major reasons & how to minimize the probability of claim rejection?

Lets go👇 Health insurance is a very personal Experience

2 Different Families

Same Insurer
Same Policy
Same Sum Insured

The claim experience can be very very different!

IDFC First Bank is a red-hot investor-favorite stock

The bank reported steady profits in its results yesterday🤯🤯
The legacy of the erstwhile IDFC bank is now completely gone!

A thread🧵on the results and how the bank is positioned going forward

Lets go👇 Loan growth:-
🏦The Bank reported a loan growth of 25%.
🏦Predominantly a retail asset bank.
🏦Unsecured loans remained 60% of the book.
🏦Credit cards book has started to grow sharply
🏦Home loans are now growing well

ICICI Bank-The New Market leader?

The bank just reported its numbers
How does ICICI Bank stack up against HDFC Bank?

A short thread🧵analyzing each and every aspect of the result.

Lets go👇 Loan+Deposit growth:-

🏦Total deposits grew 19.2% YoY
🏦Loans grew at about 16.2%

HDFC Bank grew deposits at 18%(like for like)

Both Banks are gaining market share in both deposit and loan portfolios

HDFC Bank is nearly 11% of the Nifty.
Falling Net Interest Margins have been a big concern for the bank🥲🥲

The Bank has just now posted its results
Is the Bank on the road to recovery?🤔🤔

A short thread🧵analyzing each and every aspect of the HDFC Bank result!

Lets go👇 Advances+Deposit growth:-

YoY numbers are not comparable due to the merger

🚨Advance grew by 1.6% QoQ
🚨Retail loans grew by 3.7% QoQ
🚨Deposits grow by 7.5% QoQ

CASA ratio improves
Deposit growth is firing up for HDFC Bank!

🚨Mutual Fund Factsheet

A mutual fund Fact sheet contains vital information about the scheme like
🏦Portfolio,
🏦Fund Manager,
🏦Expense ratio etc

A thread🧵 on what is a factsheet and things to watch out for in a factsheet?

Lets go👇 What is a Mutual fund fact sheet?

A mutual fund fact sheet tells u some important facts about the scheme:-
1. Where does the mutual fund invest(Debt ,Equity, Gold)
2. Past Returns wrt benchmark
3. Name of the fund manager
4. Fees that the fund manager will charge

As the Equity market continues to go up,

Should you invest all your money in equities/shares?
Should you diversify amongst asset classes?

Asset allocation is a vital part of financial planning!

A thread on Asset Allocation🧵 and why it is your savior in bad times?

Lets go👇 What Is Asset Allocation?

When you save money, you have the below options for investing -

🏦Equities
🏦Debt
🏦Real Estate
🏦Gold

A proper asset allocation will help you with the right mix in each of the asset classes in a proportion that is commensurate to your risk profile

🚨Mutual funds Sahi hai
Par
Mutual funds complex bhi hai😱😱😱

100s of active mutual fund schemes
Which Active scheme should you invest in?🤔🤔

A thread🧵on how to analyze and select active mutual funds schemes?

Let's go👇 A mutual fund is a pool of money managed by a professional Fund Manager.

It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments and/or other securities.

India's Spending on infra
FY20-4 lakhs crores
FY25(interim)-11 lakh crore🤯🤯
The government is spending massively on infra

Roads, Railways,Airways are seeing a massive upgrade

A thread🧵on how India is spending big on Infrastructure upgradation like never before?

Lets go👇 How big is India's Infra push?

India spent $14 Trillion on infrastructure in the 75 years since its independence.

$7 trillion was in the last 9 years.

Another $7 Trillion will be spent in the next 9 years!

Big Big Spending is coming in!

Active Pharmaceutical Ingredient(API) companies have been phenomenal wealth creators

Recently API companies are facing business problems that has led to corrections in stock prices

A thread🧵on the current business problems & the opportunities in the API space

Lets go👇 What had happened?

In the last 12 months API company stock have undergone a severe correction:-

Divis is down 33%
Laurus is down 20%
Supriya Lifesciences is down 30%

So what is happening in this sector and what is the scope?

We Indians love to invest in Real Estate!

Many Indians think Buying a house is a safe investment!
Should u buy a house or Rent a house?🤔🤔

A thread🧵on the pros and cons of each and which one should u choose?

Lets go👇 Buying a house:-

When u buy a house u end up taking a big loan with a huge EMI that will go on for 10/15/20 years.

So lets evaluate it👇

In 2000s-
IT outsourcing was a big trend
IT Stocks became big wealth creators!

Now Pharma outsourcing is the big trend i.e CRAMS/CDMO

What is CRAMS/CDMO?

A thread🧵 explaining the big outsourcing opportunities in Pharma & how companies are taking advantage

Lets go👇 What is CRAMS/CDMO?

Contract Research & Manufacturing Services (CRAMS)

Contract development and manufacturing organization
(CDMO)

What are they?

Tax Planning is very important to optimize tax outgo!

Hindu Undivided Family(HUF) is a good option that is available for all married persons

What is HUF? How to create it?

A thread🧵on HUF,how to create HUF and its benefits?

Lets go👇 What is Hindu Undivided Family(HUF)?

An HUF, under the Hindu law, is a family consisting of lineal descendants from a common ancestor. It includes their wives and unmarried children.

The Pharma sector is a very heterogeneous sector with companies operating in different niche areas

There are various sub-sectors within the Pharma sector

A thread🧵 on the various subsectors of the Pharma sector & stocks listed in each space

Lets go👇 So how does the pharma sector operate?

The pharma sector value chain

From key starting material to APIs to FDFs
Companies operate across the spectrum

Source:-Value Educator

Infrastructure Investment Trusts (InvITs) are like Mutual funds that invest in infrastructure projects
They provide excellent dividend yield of 7-16%

So what are InvITs?Should u invest in them?

A thread🧵on what are InVITs?

Lets go👇 What are InvITs?

InvITs are market-traded investments that allow investors to get part ownership in infrastructure projects.

They are professionally managed so they provide the ownership benefit to investors without any hassles related to managing the projects

Health insurance policies come with 100s of variations & are very complicated

Which one should u buy?

In 2022,my father was hospitalized
The entire bill was covered by my insurer

A thread🧵on comprehensive health insurance policy & y u should buy the same?

Lets go👇 What is a health insurance policy?

In simple words, you pay a premium to an insurance company.
The insurance company in return will cover the cost of any unforeseen hospitalization

Almost everyone should have a personal health insurance

India's Spending on infra
FY20-4 lakhs crores
FY25(interim)-11 lakh crore🤯🤯
The government is spending massively on infra

Crane Manufacturers like Action Construction Equipment(ACE) are major beneficiaries of this infrastructure boom

A thread🧵on the business of ACE and what lies ahead?

Lets go👇 What does ACE do?

The company is the world’s largest Pick & Carry cranes manufacturer with over 63% market share in the Mobile cranes segment in the country and a majority market share of more than 60% in Tower Cranes segment domestically

Trent-A Tata Group company

What Westside could not do for Trent,
Zudio is now doing it

Zudio, a budget brand for all Indians is driving a massive 50% sales growth for Trent

A thread🧵on the business of Trent and the way forward

Lets go👇 Brands under Zudio:-

Here are the brands housed under trent
1. Star bazaar
2. Westside
3. Zudio
4. Misbu
5. Samoh

🚨Mutual Fund Investments

Should u choose,
🏦Regular or direct plans?
🏦Active vs Passive funds?
🏦Growth vs Direct plan?

How to choose a mutual fund scheme?

A small thread🧵 discussing the parameters to look for before buying a MF scheme

Lets go👇 Active or Passive?

When investing in Active funds...there is a chance of underperformance.

If you do not understand anything about mutual funds.

Include Index funds in the portfolio.
They will at least fetch u market returns(minus tracking error)

As chemicals stocks tank & hit a multi-year low
Is Deepak Nitrite a specialty Chemicals company?

How do u differentiate b/w specialty & commodity chemicals?🤔

A thread🧵on pointers u need to examine to determine if a company makes specialty or commodity chemicals?

Let's go👇 What are specialty chemicals?

🧪Chemistry is not easy to master and manufacture
🧪Require a lot of R&D
🧪Very few manufacturers
🧪High pricing power for the suppliers

So many books on:-
"Things to look at before buying a stock"

But no books on a very pertinent question:-
"When to sell a stock?"🤔🤔

A thread🧵which can help u decide when to sell a stock?

Lets go👇 First things first:-

There is no set methodology to decide when to sell a stock.

Everybody has their own framework.

These are just some pointers that work for us.

One should create their own framework

If RBI's circular on unsecured lending,
Did not hit Paytm hard😅😅

RBI has now asked Paytm Payments Bank to stop accepting deposits😱😱

This is a big blow to Paytm!
How does this move by the RBI hurt Paytm?

A thread🧵on how RBI's latest move will affect Paytm?

Lets go👇 What is a payment Bank?

Payments banks are a new model of banks, conceptualized by the Reserve Bank of India (RBI), which cannot issue credit.

These banks can accept a restricted deposit, which is currently limited to ₹200,000 per customer.

Both current account and savings accounts can be operated by such banks