Thread by @BullsforBears

Nikunj dalmia in conversation with Saurabh Mukherjee on @ETNOWlive

@HDFCLIFE - brought big data to their life insurance business
More questionnaire compared to other insurance players
More rigorous health checkups
Better underwriting & embedded value due to big data use

Another player using big data @BajajFinCorp - superior ROE compared to other NBFCs

Move to complete digitization helping IT firms
@TCS reorients itself according to need of its fortune 500 clients ,moved from infrastructure software to application development to big data,cloud

@TCS ability to retrain lakhs of employees as per need is a big advantage

Next 3 months economic outlook to remain upbeat as Indis opens up
Small town real estate mkt is picking pace
Strong commentary from @HomeLoansByHDFC guided to strong recovery
Post lockdown pickup

Post lockdown pickup to demand pickup will give the next legup to BFSI players
Recovery strong demand picking up,even 2nd rung nbfc have access to funds due to strong liquidity
Cost of borrowing dropped 1.5% for 2nd rung lenders
@PiramalGroup @DCBBank @IDFCFIRSTBank

@reliancegroup unparalleled in India in raising capital,execution of projects,building refineries in 80s to rolling out telecom now,but till return on capital exceeds cost of capital wont look at as a investment candidate
Going ahead look at auto,pharma,chemical,frontline nbfcs

Real estate demand picking up,home loans at 7%,tine to look at building Material companies(tiles,plywood,sanitaryware)
Hold @asianpaints, pidilite,astral poly but looking at other players

Rural india driving demand for big fmcg @NestleIndia ,autos @marutisuzukiof2 @HeroMotoCorp

Credit offtake to pickup from rural focused lenders
Big push to distribute credit in rural India

@asianpaints ability to institutionalize processes beyond family,frontline CEOs ,5000 SKUs across 75000 dealerships
2000x returns since 1982

Pidilite building monopoly no 3
1st adhesives ,2nd waterproofing & will become 1st company to build monopoly across 3 sectors

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