Understand various terms in a banking 🏛️ sector:

Bank work as a platform business. It raises cash from depositors and gives it to customers as a loan.

The difference is the banks profit!

- A small Thread🧵- 1] CASA: Current account saving accounts

Banks raises capital through various options. CASA is one such, which is the cheapest source of capital.

Bank can lend to a quality customer at competitive interests, if their cost of capital is cheap.

Brand concept:

Company holds exclusive licence of Tommy Hilfiger, UCB & Aeropostale brands.

They design & sells premium bags, backpacks & fashion accessories.

Targeting to open 100 stores in next 2.5 years from current 35 stores.

- A Thread - Business model:

Brand concept was established in 2007.

Company sells bags, backpacks & fashion accessories through their platform.

Company aims to become largest multi brands retail company in India.

Vijay Kedia -

Once he had to sell his mothers jewellery due to the losses in stock market.

Once he had not even 14 Rs to buy milk for his child.

Today he is one of the greatest investor of Bharat.

Sharing his inspiring story from rags to riches!!!!

- A Thread🧵- Vijay Kedia sir was born on 4 Nov 1959 in a Marvari family in Kolkata.

His Father, Kishanlal ji Kedia had a stock broking business.

Basics of Credit cards:

- How it works
- How they make money
- Advantages
- Disadvantages
- Eligibility
- Tricks and more!

- A Thread🧵-

1/13 How it works?

Bank/Nbfc issues a credit card to customer with certain limit. It works like a loan.

->You purchase
->Credit card company pays to merchant
->You pays to credit card company

It works in a monthly cycle.

2/13

Steel Strips Wheels Ltd (SSWL):

A new business in my watchlist.

Company is in the business of designing and manufacturing of steel wheel and alloy wheels.

Supplies to Tata, BMW, Hyundai, Maruti, Honda, Mahindra etc.

- A Thread🧵– We are going to cover:-

- Business model
- Financials
- Growth triggers & guidance
- Valuation
- Risk

I will try to keep it as simple as possible, so anybody can understand.

Lets go!!!👇

(No reco)

Parag Parikh -

A Successful value Investor and Founder of PPFAS AMC.

He always wanted to make a normal investor to High networth individual.

Sharing his success story.♥️

– A Thread 🧵– Early Life:-

Parikh Parikh Sir was born on February 12, 1954 in Mumbai.

He did his Masters in Commerce and Economics from the University of Bombay.

I recently gifted Shares to my Wife. It takes just 5 minutes. Simple and smooth process.

(It was Zerodha to Zerodha transaction.)

Here is a step by step guide:👇🧵 1. Log into Zerodha account –> go to console –>Click gift stocks.

Chandrakant Sampat - Indias first successful value investor.

Mentor of Late Parag Parikh & Radhakishan Damani sir.

I read his story and inspired a lot. Sharing with all of you.

[Thread🧵] Chandrakant ji was born in a Gujrati Family.

They had a family business. But stock market was fascinating him.

He was influenced a lot by an economist Peter Drucker.

Simplifying Term Insurance ! :)

This is a must have insurance product if someone is dependent on you.

In between the thread I will reveal which term plan I have.

- Thread🧵-

1/24 Key pointers in a Thread:-

- What is Term Insurance
- Importance of Term Insurance
- How much cover one should have
- Who should buy & who should not
- Key metrics to check while purchasing
- Riders: should we add them or not

Tips, ticks and much more...

2/24

PG Electroplast Q4 concall highlights and my key insights after reading numbers!

EMS definitely has strong tailwinds and the space is into limelight these days.

PGEL is guiding for 30% growth for next few years.

– Thread 🧵 –

1/17 Co engaged in the business OEM, ODM and plastic injection moulding. Supplying its products to 50+ leading Indian and global brands.

Co has 8 manufacturing units and 3500+ employees.

2/17

10 Investing Youtube Channels - I love watching their content.

//Thread//⌛ 1. SOIC

SOIC is the most popular youtube channel in investing community.

I love their in-depth business analysis and teaching style. More than 300 business and investing videos are there. @soicfinance

You must check it out here!👇
youtube.co/@SOICfinance

Simplifying personal finance:-

Before starting any kind of investment, you must be cleared about these things.

Lets go!!👇

1/n First thing first!
What is personal finance?

Personal finance is all about managing your money, savings, investments along with risk.

You are in good condition when you are financially well prepared.

2/n

Rakesh Jhunjhunwala made 35000Cr from just 5000 by trading and investing in stock market.

Key takeaways from the book, The Big Bull Of Dalal Street.

– Thread – RJ was born in Hyderabad, on 5 July 1960 in marwadi family.

His father was in Civil service posted in Hyderabad.

At the age of 2 his family shifted to Mumbai and RJ spent rest of his Life in Mumbai.

Parag Parikh Flexi-cap fund:-

The fund has delivered 18.96% CAGR since inception year of 2013.

Funds philosophy, facts, stats and much more in thread below...⌛👇

1/n The fund belongs to the Parag Parikh AMC. Late Parag Parikh sir was the founder of this AMC, who was the deep value investor. This fund follows the same philosophy.

2/n

Super-duper results from IDFC First Bank!!!

Bank shows growth across all the parameters.

V. Vaidyanathan continues to deliver.... - Advances up 29% yoy and 7% qoq
- NII up 35% yoy and 9% qoq
- PPOP up 89% yoy and 24% qoq
- Net interest margjn above 6%
- Cost to income ratio is now <73% and expected to drop further.

Lets understand ROCE, ROE, D/E and few other metrics by a very simple example.

Ramu sells Vadapav.
He started a biz with 2Lac. Thats equity.

To grow the business he took loan of 1 Lac. For buying equipment and Land.

So the total capital in the business is 3 Lac rupees.

1/15 Lets calculate Debt to equity (d/e) of Ramu's business first!

Debt/equity = Debt/equity.
Debt/equity = 1L/2L = 0.5

So in this case, Ramu has 0.5X of debt to his equity.

2/15

Rajratan Global Wire Q4 Call highlights:

This one is the most interesting call. Max discussion on Thailand market as they have taken a hit at Thailand market.

1/n Poor performance in Thailand market due to weak demand, huge competition and one of their key customer Sumitomo operating at lower level.

5 Chinese companies entered in the Thailand market and selling bead wire at much lower price.

2/n

What is Interest Coverage Ratio?

One of the most important ratio to look for companies which are having debt on their balance sheet!!!

A Thread....👇

(0/13) - Interest coverage ratio indicates the efficiency of a company in paying the interest on its outstanding debt.

- It measures how many times a company can cover its current interest payment with its available earning.

(1/13)

Hdfc Bank Q4:

The show must go on!!!

- Revenue grew by 21% to 32083Cr.
- NII grew by 23.7% to 23352Cr
- Core NIM stood at 4.1%
- PPOP at 18621Cr up 14.4% Credit cost ratio improves to 0.67% from 0.96%

Net profit at 12047Cr, up by 19.8%

For bad loans bank has created provisions of 2685cr against 3312Cr same quarter last year.

What is PEG ratio?

A small thread.....

1/n The PEG ratio (price/earning to growth ratio) helps investors to value a stock by taking into account the growth rate of the company.

2/n

Taxes on cars in India:-

28% compulsory GST on all types of ICE cars + Cess is applicable as per the engine capacity and length.

Base price + Gst + Cess
=Ex- Showroom price.

Here are some calculations 👇 🚘Petrol Sub 4 meter car with <1200cc engine = 28%GST + 1%Cess.

Total applical tax= 29%

🚘Diesel Sub 4 meter car with >1200Cc engine = 28%Gst + 3%Cess

Total applicable Tax= 31%