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Sagar Bandodkar Profile picture
@sagarbandodkar2
Jan 24, 2022 โ€ข 8 tweets โ€ข 3 min read โ€ข Read on X
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SBI Cards Q3 FY22 Results ๐Ÿงต
Like and Retweet for max reach ๐Ÿ™๐Ÿป
#sbicards #stocks
@itsTarH Image
Robust fundamentals, strong business performance
PAT 386 Cr. A 84% Yor
New accounts 1million up 10% YOY
Net spends 55k cr up 47% YOY
Total revenue at 3140 cr up 24% YOY
ROAA at 5.0% up 179 bp YOY . Image
Image
Key trends Image
Market share
Cards in force -19.2%
Spends - 19%
Transactions -20% Image
Strong Capital adequacy ratios . Image
New lunches ๐Ÿ’ณ
SBI Card pulse .
TATA Card On visa network . Image
Like and retweet for max reach ๐Ÿงต

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More from @sagarbandodkar2

Sagar Bandodkar Profile picture
Jun 11, 2023
It is a huge misconception that real estate investments are bad!!!๐Ÿ‘Ž๐Ÿป

โ€ขIf you think the same hereโ€™s a thread for you๐Ÿ 

โ€ขHereโ€™s a story of one of the best retail investors I know.

โ€ขA short story of one of his Real Estate investment

Sit back & read the entire thread๐Ÿงต
โ€ขThe investor had purchased a shop in a coastal region in goa at a prime location 5 years back.

โ€ขHe bought the shop for โ‚น90 lakhs.

โ€ขThe shop was pre leased at that time the rent was โ‚น45k.

โ€ขThatโ€™s a rental yield of almost 6%.
Today the rent has increased to โ‚น65k/month and 7.8 lakhs/year

Thatโ€™s an yield of 8.6% on the cost price

The shop is worth 1.6 crores today

A capital appreciation of 80% over last 5 years ,CAGR of 12.2%

It has collected a rent of 33 lakhs cumulative over the last 5 years
Read 20 tweets
Sagar Bandodkar Profile picture
May 17, 2023
AU Small Finance Bank has some great rewarding cards๐Ÿค‘

Decoding every aspect of AU Bank credit cards in a single thread๐Ÿงต

Do read the thread till the endโฌ‡๏ธ๐Ÿงต

๐Ÿ’ณ: ekaro.in/enkr20230517s2โ€ฆ Image
๐ŸŸกAU Bank LIT Credit Card

๐Ÿ”ทThe AU Small Finance LIT Credit Card is Indiaโ€™s First customizable Credit card in terms of features

๐Ÿ”ทThis means that you can choose whatever feature you want on your card and just pay for the same and nothing else

Apply๐Ÿ’ณ: ekaro.in/enkr20230517s2โ€ฆ Image
At present, the AU LIT credit card offers five categories for customers to choose from.

๐ŸŸฃTravel Benefits Category

๐Ÿ”ถWith AU Small Finance Bank LIT Credit Card, you can enjoy up to 4 complimentary Domestic Lounges within India per quarter.
Read 40 tweets
Sagar Bandodkar Profile picture
May 9, 2023
๐— ๐—ฒ๐—ด๐—ฎ ๐˜๐—ต๐—ฟ๐—ฒ๐—ฎ๐—ฑ ๐—ผ๐—ป ๐—”๐˜…๐—ถ๐˜€ ๐—•๐—ฎ๐—ป๐—ธ ๐—–๐—ฟ๐—ฒ๐—ฑ๐—ถ๐˜ ๐—–๐—ฎ๐—ฟ๐—ฑ๐˜€๐Ÿงต โฌ‡๏ธ

๐—”๐˜…๐—ถ๐˜€ ๐—ฏ๐—ฎ๐—ป๐—ธ ๐—ต๐—ฎ๐˜€ ๐˜€๐—ผ๐—บ๐—ฒ ๐—ฐ๐—ฟ๐—ฎ๐˜‡๐˜† ๐—ฟ๐—ฒ๐˜„๐—ฎ๐—ฟ๐—ฑ๐—ถ๐—ป๐—ด ๐—ฐ๐—ฎ๐—ฟ๐—ฑ๐˜€ ๐Ÿ’ณ

๐—ฆ๐—ถ๐˜ ๐—ฏ๐—ฎ๐—ฐ๐—ธ ๐—ฎ๐—ป๐—ฑ ๐—ฟ๐—ฒ๐—น๐—ฎ๐˜… ๐—ฎ๐—ป๐—ฑ ๐—ฟ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐˜๐—ต๐—ฟ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ถ๐—น๐—น ๐˜๐—ต๐—ฒ ๐—ฒ๐—ป๐—ฑ๐Ÿ’ฏ

๐Ÿ’ณ ekaro.in/enkr20230509s2โ€ฆ Image
๐Ÿ”ด Axis My Zone Credit Card

It is an entry-level offering by the bank.

It welcomes its customers with a complimentary premium subscription of SonyLiv that is worth Rs. 999 for free

Fees 500+tax

Currently being offered Life Time Free๐Ÿค‘๐Ÿค‘

๐Ÿ’ณ ekaro.in/enkr20230509s2โ€ฆ Image
๐Ÿ”ถ4 EDGE Points per Rs. 200 spent with the Axis Bank My Zone Credit Card.

๐Ÿ”ถ40% discount on Swiggy up to Rs. 120 per order (minimum order value of Rs. 200 required).

๐Ÿ”ถBuy One Get One offer on movie ticket bookings via Paytm movies.
Read 78 tweets
Sagar Bandodkar Profile picture
May 6, 2023
IDFC First bank has some amazing set of credit cards.๐Ÿ”ฅ

The best part is that they are life time free๐Ÿค‘

A short thread on all the variants on offer ๐Ÿงต โฌ‡๏ธ

#ccgeek Image
๐Ÿ”ถIDFC Millenia Credit card
(Entry Level card)

๐Ÿ’ณIf you are looking for an entry-level card, IDFCโ€™s FIRST Millennia credit card is the right choice for you.

๐Ÿ’ณThis is a reward points-based credit card with a decent rewards program. Image
๐Ÿ’ณIt offers up to 10x Non-Expiring Reward points which can be redeemed at any point in time.

๐Ÿ’ณIf someone is fond of traveling via trains, then this card provides complimentary Railway Lounge access four times a quarter making your traveling experience a lot more luxurious.
Read 25 tweets
Sagar Bandodkar Profile picture
May 6, 2023
A short thread on non market risk and how many stocks do you need for diversification to reduce non market risk.๐Ÿงต

what is non market risk?

Nonmarket risk is the portion of a stock's risk that is not related to the stock market's overall movementโ€™s . Image
This type of risk can arise when a company's factory burns down or when a new product doesn't sell as well as expected. Image
What are the optimal number stocks for diversification?

Statistics say that owning just two stocks eliminates 46.

This type of risk is supposedly reduced by 72 percent with a four-stock portfolio, by 81 percent with eight stocks, 93 percent with 16 stocks

Contd..
Read 5 tweets
Sagar Bandodkar Profile picture
May 5, 2023
Lending money to friends and family can invite unnecessary headache๐Ÿฅต

The Do's & Donโ€™ts of lending money to friends and family ๐Ÿงตโฌ‡๏ธ Image
๐Ÿ”ดDonโ€™t lend to someone you donโ€™t trust

๐Ÿ”ท Ask why they need a loan

Knowing the purpose behind the loan helps you set better repayment terms. In fact, it also makes it easier for you to refuse the loan, should you find it risky.
๐Ÿ”ทAssess your financial situation

โžก๏ธSecondly, assess your own financial situation. Make sure that you have adequate savings to help them out and do not end up cutting down your living expenses or investments.
Read 12 tweets

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