🚨Chemicals Analyser Series-Ep 1

Navin Fluorine-A fluorochemical powerhouse

Marred by a slowdown in demand for fluoropolymers and management resignations
Navin Fluorine saw a difficult 2023

A thread🧵on the business of Navin Fluorine & what lies ahead?

Let's go👇 What has happened?

Over the last 12 months:-

There has been a severe slowdown in demand for fluorochemicals

Mr Radhesh Welling resigned as the managing director (MD) and director on the board

Ravi Venkataramanan stepped down as the CEO of CDMO space two months ago

The stock price has seen a sharp correction

🚨Mutual Funds Analyser Series

100s of Active Equity Mutual fund schemes🤯🤯
Which scheme should u invest in?🥲🥲

A thread🧵analyzing different types of mutual funds and the suitability of each category?

Let's go👇 What are Equity Mutual Funds?

These funds pool money from various investors and invest in equities or equity-related securities as per the mandate.

The fund manager, in turn, receives a fee for managing the pool of money called the Expense Ratio.

In India, as per SEBI regulations, Equity MFs must invest at least 65% of their assets in equities or related instruments.

So many people are confused about Chartered Financial Analyst(CFA)!

What is CFA?
Is it the passport to making a career in investment management?
Does CFA guarantee a high-paying job?🤔🤔

A detailed thread🧵explaining everything about the CFA course?

Lets go👇 What is a Chartered Financial Analyst(CFA)?

A chartered financial analyst (CFA) is a globally-recognized professional designation given by the CFA Institute,USA that certifies the competence and integrity of financial analysts.

🚨Super Top up in health insurance

Super top-up is like a mobile recharge!
It increases ur sum assured over and above ur base health insurance policy!

What is this super top-up?🤔🤔

A thread🧵on what is a super top-up plan and its benefits and limitations? What is a super top-up policy?

Super Top Up policy offers you coverage of Mediclaim above your chosen deductible limit

It offers you financial relaxation in the event that your hospitalization claim bill crosses your sum insured under any other Mediclaim policy.

India's largest bank
SBI reported its numbers just now

The Bank reported its highest-ever profit of 61,000cr

A thread🧵on the results of SBI and is SBI's turnaround complete?

Lets find out👇 Credit Growth:-

System Credit growth at about 15%

🏦SBI grew its book by 16%
🏦Retail loan growth at about 14%
🏦Wholesale loan growth at about 15%

Strong growth reported by such a large bank

🚨Large Private Sector Banks

Large Private Sector Banks are gaining market share in loan growth and deposit growth
Some of them are trading at multiyear low valuations

A thread🧵on the business performance of large private banks and the way ahead?

Lets go👇 The banks that we will take for comparison

1. HDFC Bank
2. ICICI Bank
3. Axis Bank
4. Kotak Bank

After Uday Kotak's Exit,
Kotak Bank has seen regulatory action from the RBI and top management exit🤯🤯

What is happening at Kotak Bank?
The Bank just reported its numbers

A thread🧵on the results of Kotak Mahindra Bank and what lies ahead?

Lets go👇 Loan Growth:-

🏦Loan growth at 20%
🏦Cosumer loans grew at 20%
🏦Corporate loans grew at 20%
🏦Unsecured loans are growing very fast for Kotak

Last week a leading insurer rejected a health insurance claim
The post went viral on social media😥

Why do claims get rejected?🤔
What can you do so that ur claim doesn't get rejected?

A thread🧵on major reasons & how to minimize the probability of claim rejection?

Lets go👇 Health insurance is a very personal Experience

2 Different Families

Same Insurer
Same Policy
Same Sum Insured

The claim experience can be very very different!

IDFC First Bank is a red-hot investor-favorite stock

The bank reported steady profits in its results yesterday🤯🤯
The legacy of the erstwhile IDFC bank is now completely gone!

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

Lets go👇 Loan growth:-
🏦The Bank reported a loan growth of 25%.
🏦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

ICICI Bank-The New Market leader?

The bank just reported its numbers
How does ICICI Bank stack up against HDFC Bank?

A short thread🧵analyzing each and every aspect of the result.

Lets go👇 Loan+Deposit growth:-

🏦Total deposits grew 19.2% YoY
🏦Loans grew at about 16.2%

HDFC Bank grew deposits at 18%(like for like)

Both Banks are gaining market share in both deposit and loan portfolios

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 1.6% QoQ
🚨Retail loans grew by 3.7% QoQ
🚨Deposits grow by 7.5% QoQ

CASA ratio improves
Deposit growth is firing up for HDFC Bank!

🚨Mutual Fund Factsheet

A mutual fund Fact sheet contains vital information about the scheme like
🏦Portfolio,
🏦Fund Manager,
🏦Expense ratio etc

A thread🧵 on what is a factsheet and things to watch out for in a factsheet?

Lets go👇 What is a Mutual fund fact sheet?

A mutual fund fact sheet tells u some important facts about the scheme:-
1. Where does the mutual fund invest(Debt ,Equity, Gold)
2. Past Returns wrt benchmark
3. Name of the fund manager
4. Fees that the fund manager will charge

As the Equity market continues to go up,

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

Asset allocation is a vital part of financial planning!

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

🚨Mutual funds Sahi hai
Par
Mutual funds complex bhi hai😱😱😱

100s of active mutual fund schemes
Which Active scheme should you invest in?🤔🤔

A thread🧵on how to analyze and select active mutual funds schemes?

Let's go👇 A mutual fund is a pool of money managed by a professional Fund Manager.

It is a trust that collects money from a number of investors who share a common investment objective and invests the same in equities, bonds, money market instruments and/or other securities.

India's Spending on infra
FY20-4 lakhs crores
FY25(interim)-11 lakh crore🤯🤯
The government is spending massively on infra

Roads, Railways,Airways are seeing a massive upgrade

A thread🧵on how India is spending big on Infrastructure upgradation like never before?

Lets go👇 How big is India's Infra push?

India spent $14 Trillion on infrastructure in the 75 years since its independence.

$7 trillion was in the last 9 years.

Another $7 Trillion will be spent in the next 9 years!

Big Big Spending is coming in!

Active Pharmaceutical Ingredient(API) companies have been phenomenal wealth creators

Recently API companies are facing business problems that has led to corrections in stock prices

A thread🧵on the current business problems & the opportunities in the API space

Lets go👇 What had happened?

In the last 12 months API company stock have undergone a severe correction:-

Divis is down 33%
Laurus is down 20%
Supriya Lifesciences is down 30%

So what is happening in this sector and what is the scope?

We Indians love to invest in Real Estate!

Many Indians think Buying a house is a safe investment!
Should u buy a house or Rent a house?🤔🤔

A thread🧵on the pros and cons of each and which one should u choose?

Lets go👇 Buying a house:-

When u buy a house u end up taking a big loan with a huge EMI that will go on for 10/15/20 years.

So lets evaluate it👇

In 2000s-
IT outsourcing was a big trend
IT Stocks became big wealth creators!

Now Pharma outsourcing is the big trend i.e CRAMS/CDMO

What is CRAMS/CDMO?

A thread🧵 explaining the big outsourcing opportunities in Pharma & how companies are taking advantage

Lets go👇 What is CRAMS/CDMO?

Contract Research & Manufacturing Services (CRAMS)

Contract development and manufacturing organization
(CDMO)

What are they?

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.

The Pharma sector is a very heterogeneous sector with companies operating in different niche areas

There are various sub-sectors within the Pharma sector

A thread🧵 on the various subsectors of the Pharma sector & stocks listed in each space

Lets go👇 So how does the pharma sector operate?

The pharma sector value chain

From key starting material to APIs to FDFs
Companies operate across the spectrum

Source:-Value Educator

Infrastructure Investment Trusts (InvITs) are like Mutual funds that invest in infrastructure projects
They provide excellent dividend yield of 7-16%

So what are InvITs?Should u invest in them?

A thread🧵on what are InVITs?

Lets go👇 What are InvITs?

InvITs are market-traded investments that allow investors to get part ownership in infrastructure projects.

They are professionally managed so they provide the ownership benefit to investors without any hassles related to managing the projects