Had been a big fan of financials always.
But D way world is changing from March 2020,I am in doubt whether
#hdfcbank #kotakbank #Bajajfinance #bajajfinserv n other Money lenders will be as profitable as those were between 1990-2019!
You can check the results of #bfsi in Last (1/n
4-5 quarters for backtesting.
#investors may look forward to LENDING BUSINESS where big corporates R not involved.

Let us have an example,
#RelianceIndustries has raised huge funds in last 17 months,but they were not dependent on #hdfcbank #kotakbank #Bajajfinance #bajajfinserv
For the fund.
World is changing very fast, and if you continue your #Investment mindset like 90s or 2k, you should revisit your cognitive perception.
Only retail lenders with huge collaterals may survive n grow well in this decade.
#management analysis is important here.(3/n)
Rock solid management like #hdfcbank #kotakbank #bajajfinserv or #Bajajfinance R very very rare.

I am not sure about D integrity of #management of #muthoot and #manappuram #Finance ,but strategically #Gold #LOAN business is better placed for this decade.

To add to it, (4/n)
Company like #muthoot #Finance provides only 75% of loan on collaterals in contrast to #banks providing upto 90%.
Thanks for your time ✍️🙏.
Not a recommendation for educational purposes only.

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More from @DrdhimanBhatta1

17 Sep
Alert: 1. long 🧵 ahead.

2. This is a study of a financially illeterate person having no finance or stock market background that's me.

Study the companies in details before any investment decision.

Not any recommendations,for educational purposes only. (1/n)
How much companies should one hold in his #Portfolio?
The million dollar question.

Over the years,after making huge losses in #market being a financially illeterate person, I started studying some great authors.
From their teachings, what I have learnt I can share with you.(2/n)
David Einhorn mentioned that as Joel GREENBLATT pointed out,holding minimum 8 #Companies in your #stock #Portfolio reduces D concentration risk more than 80%.

I personally never had a portfolio less than 8 #stocks .

But your study may vary as I am financially illeterate.(3/n)
Read 17 tweets
17 Sep
Sharing some personal moments.
My mom died of coma 6 years ago after 5 years of illness.
She was admitted under me.

The very next month,my dad was diagnosed with cancer prostate.
Being their only child,I was stubborn to leave my dad.
He was my teacher and class teacher of (1/n)
Of class X in my school.
I tried my best possible to treat my dad.
As he was my teacher,we had a huge distance:but this fight with disease made us very good friend.
Chemotherapy, radiotherapy, surgery all were accomplished and he recovered.
Within 2 months, disease recurred (2/n)
But I am born fighter and I took him everywhere possible and he tolerated all pain(mental and physical) with a lion's heart 💜.
We fought it and gave recurrent cancer a mind-blowing fight till 10 days ago.
10 days ago,he was paralyzed upto T10 level.
Yesterday morning,he (3/n)
Read 4 tweets
16 Sep
ITC #shareholders today
Those Who don't have #itc in #portfolio .
Those #investors recently sold #ITC
Read 6 tweets
24 Aug
1. Bulk chemical section: #EBITDA #Growth 250 times in last 4 years.

2. Entered into #deepakphenolics ,a fresh ocean,like higher studies.

3. Fine ORGANICS n #speciality Segment: #forward and #backward #integration complete.

4. #Phenolics
QOQ growth 300%. (1/n)
5. Normally a great #company utilises maximum 95% of plant capacity,but in #deepakphenolics utilisation is now more than 125%!!!!!!!!!!
6. #deepaknitrite #phenol #EBIT increase 250%.
7. Basic chemicals sales rise 200%.
8. Basic chemicals #margin 24 to 33%.
9. Very very very low cost #company #deepaknitrite .
10. Loss making fine chemicals sector growth 80% YOY .
12. #dasda and #oba is their point of concern.
13. 11000 crores #capex like a brand new company 🤔.
14. Fresh subsidiary!
15. #deepakphenolics (3/n)
Read 7 tweets
17 Aug

Not a recommendation for educational purposes only (1/n)
Segment wise revenue breakup.

IT and Business Services 72%
Engineering and R&D services 17%
Products & Platforms 12%


Geography wise revenue breakup

USA – 58%
Europe – 27%
India – 3%
Rest of the world – 12%

Not a recommendation.(2/n)
Vertical of service:

Financial Services 21%
Manufacturing 18%
Technology & Services 18%
Retail & CPG 10%
Telecommunications, Media, Publishing & Entertainment 8%
Lifesciences & Healthcare 14%
Public Services 10%

#hcl #hcltech #MultiBagger #multibaggers
NOT a recommendation(3/
Read 11 tweets
8 Aug
Having your own conviction in #investing is important.

Would like to share views of an #opportunistic #investor ,that me.

I bought #divislab when I found a small fish in a big pond: added more #DIVIS after now when they transferred themselves as a big fish in a big ocean (1/n)
Bought #lauruslab when I found #laurusbio a small fish in a big ocean.

Bought #deepaknitrite when #china announced #bluesky policy .

Added more #deepakntr when covid19 #disrupted China dependence and formulation of china+1 policy.

Added more #deepaknitrate when they (2/n)
Transferred themselves into a big ocean proving to be big fish recently.

Bought #saregama when there was a #turnaround story.

Bought #tatamotors when their management changed.

Bought #jubiliantingrevia when #demerger took place.

Added #tatapower when they are transferring (3/
Read 5 tweets

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