🚨Federal Bank-Has it found the right balance?

Led by the KVS Manian,
Federal Bank is the biggest turnaround story of this credit upcycle
The Bank is now raising more than 6000cr for next leg of growth

A thread🧵on the business of Federal Bank & what lies ahead?

Lets go👇 What is happening?

After disappointing the investors for 5 years

Federal Bank has finally started to report record profits.

Lets analyse the business of Federal Bank

🚨Mutual Fund Analyser Series-Hybrid Funds

Hybrid funds have a combination of debt and equity,

What are the different types of hybrid funds available?
How are hybrid funds taxed?🤔🤔

A thread🧵on different types of hybrid funds and who u invest in them?👇 What are Balanced funds?

Balanced funds, also known as hybrid funds, are a class of mutual funds that contain a debt component and a stock (equity) component in a specific ratio in a single portfolio.

i.e. The same mf scheme will hold Debt as well as equity investments

🚨Specialized Investment Fund(SIF)-Mutual funds with short positions!

Quant Mutual Fund has just launched India's first long-short SIF

What are SIFs?
Should u invest in an SIF?

A thread🧵on SIFs and should u invest in them?👇 What are Mutual funds?

A mutual fund is an investment fund that pools money from many investors to purchase securities.
Mutual funds in India are not allowed to take short positions.
They are mostly long-only products,

So SEBI created a new asset class

🚨Debt Mutual Funds-which one to choose?

So many categories of Debt Mutual funds like
1. Liquid fund
2. Short term fund
3. Gilt funds
and many more

Which one should u choose?🤔🤔

A thread🧵 on various types of debt funds and which one to choose?

Lets go👇 What are debt mutual funds?

Mutual funds that invest in fixed income

🚨Asset Allocation-Your friend in bad times

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

S Naren called out for people to follow Asset allocation
What is asset allocation and how can you do it?

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

🚨What to do with your LIC policies?

Most households have traditional Life insurance policies with an "Assured Sum of money" from LIC and other insurers

Most do not know what to do with these policies now

A thread🧵 on what you should do with ur LIC Policies?👇 What is life insurance?

A Life Insurance policy provides financial security to the family of the insured, in case of their death during the policy period, and in some cases a maturity benefit to the insured person, after a set period of time.

ICICI Bank-The clear Market leader!

Both HDFC and ICICI reported numbers yesterday
How does ICICI Bank stack up against HDFC Bank?

Is ICICI Bank way ahead of HDFC Bank?🤔🤔🤔

A short thread🧵analyzing each and every aspect of both results.

Lets go👇 Loan+Deposit growth:-

ICICI Bank
🏦Total deposits grew 12%
🏦Loans grew at about 12%

HDFC Bank
🏦Deposits grew at 16,2%
🏦Loan grew at just 6%

Both Banks are gaining market share in both deposit and loan portfolios
While ICICI marches on,
HDFC Bank has slowed down its loan growth due to meer issues and bringing down the LDR

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.

🚨How to buy health insurance- A checklist

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

Which conditions should u keep in mind before buying a health insurance policy?🤔🤔

A thread🧵 on a comprehensive checklist of things you should check before buying a health insurance policy

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 personal health insurance

🚨 Suzlon- Is the turnaround finally completed?

After decades of Hardships,
Suzlon is reported 67% revenue growth in FY25
It is order book of 5.6GW(highest in last 25 years)

Is the wind energy and Suzlon's business on a massive turnaround?🤔🤔

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

Lets go👇 The history of Suzlon:-

Suzlon undertook aggressive expansion within the wind energy space.

This led to a massive build-up of debt and after that huge problems for the company

Here is a brief history of the company

🥤🥤Water Treatment-The theme of the century?🥤

After a change in strategy,
VA Tech Wabag reported spectacular nos with
🥤Strong margins and
🥤strong cash flows

But are these changes sustainable?🤔🤔

A thread🧵on the business of VA tech wabag & what lies ahead?

Let's go👇 Water purification is a major theme not only in India but across the world
In India,
The
Ministry of Jal Shakti allocated nearly 99500 cr for this.
Other Southeast Asian countries are also investing in this,

🚨Indusind Bank- Can it get any worse?🤔🤔

As if derivative accounting problems were not enough,

Indusind Bank reported shocking numbers with even more problems:-
🏦 NPAs hidden in microfinance
🏦Inflated fee income
🏦The board suspects fraud by some employees🤯🤯

A thread on 🧵on the results of Indusind Bank and what lies ahead?👇 What is happening at Indusind bank?

In March,
Indusind Bank reported an accounting error in the derivatives book.
This led to 2000 cr and exit of top management.

That was just the tip of the iceberg,
The stock price has tanked from there

Let's find out more👇

🚨IDFC First Bank-Poor Capital allocator?

IDFC First Bank spent
🩺400cr on Indian cricket sponsorship
🩺180cr in dividends
But to fund this
The bank raised nearly 10,000cr in the last 1 year😅😅😅

Now, as NPAs surge,
The bank reported a very poor set of numbers

A thread🧵on the business of IDFC First Bank & what lies ahead?👇 What has happened?

From the high of nearly Rs 90,
IDFC First bank has now lost nearly 30%,

The bank is seeing a surge in microlending NPAs,

Lets find out what lies ahead for IDFC👇

🚨ICICI Bank-The new market leader!

ICICI Bank reported a superb set of numbers!
Led by pristine asset quality,
The results were blockbuster

ICICI Bank has now taken over from HDFC Bank as the true market leader

A comprehensive thread🧵 analyzing the results of ICICI Bank 👇 Credit growth:-

System loan growth at about 10%
🏦Overall loan growth at 13.3%
🏦Retail loan growth at 8.9%
🏦Corporate loan growth at 13.9%

Steady from ICICI Bank

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 5%
🚨Retail loans grew by 9%
🚨Deposits grow by 15%

Loan growth has been slowed down to lower the LDR
Deposit growth is firing up for HDFC Bank!

Loan growth must pick up in the coming quarters

🚨Indusind Bank(IIB)-Weak internal controls?

As if the surge in microfinance NPAs wasn't enough,

IIB disclosed discrepancies in the accounting of the derivatives portfolio,
This could lead to a loss of up to 2000cr for the bank,

Mr Sumanth Katpalia says:-
RBI isn't happy with him and cut short his tenure
What is happening at IndusInd Bank?

A thread🧵on the business of Indusind and what lies ahead?👇 What has happened?

Indusind Bank had asked for a 3 year extension for Mr Sumanth Katpalia,
RBI had only approved a 1 year extension,

Further bank disclosed yesterday,
Discrepancies in derivatives portfolio which could lead a loss of 2000cr,

This at a time when the bank is seeing a surge in the microlending book NPAs

🚨Specialized Investment Fund(SIF)-Mutual funds with short positions!

SEBI has notified a new category of SIF
This will be a new asset class b/w PMS and Mutual funds,

What are SIFs?
Who can create SIF?

A thread🧵on SIFs and should u invest in them?👇 What are Mutual funds?

A mutual fund is an investment fund that pools money from many investors to purchase securities.
Mutual funds in India are not allowed to take short positions.
They are mostly long-only products,

So SEBI created a new asset class

🚨Term life Insurance-Which is the best term plan to buy?🤔🤔

Term insurance is the only life insurance product to buy!

What is term insurance?🤔
Which companies offer the best term plan?🤔

A thread🧵on what is a term plan and 5 best term plans that u can buy?👇 What is a term insurance?

It’s a pure risk cover that pays the Sum Assured to the nominee of the policyholder in case of death of the life insured during the policy term.

In case the policy member survives till maturity of the plan
There is no payout

🚨E2E Networks-Is the crazy valuation unravelling?

As L&T invested in E2E networks,
The Stock zoomed up and all retail investors got sucked in,

After the company reported its numbers,
The stock is locked in multiple down circuits,

What is happening at E2E networks?

A thread🧵on the business of E2E networks and the way forward?👇 As the world moves towards AI

Generative AI market opportunity is scaling up really very fast

🚨IDFC First Bank-Is the Next HDFC Bank unraveling?

IDFC Bank is one of the most popular Twitter stock

Driven by a sharp rise in microfinance NPA provisions
The bank reported a 53% fall in Net Profit

What is going on at IDFC first bank?

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

Lets go👇 Loan growth:-
🏦The Bank reported a loan growth of 21%.
🏦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

🚨Hindu Undivided Family(HUF)- A mechanism to save Tax?

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

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.