For au mostly they would get license
But ujjivan still behind as there majority of book is still unsecured
Posts in category Value Pickr
Equitas Small Finance Bank: A Profitable lender to small businesses (29-07-2024)
Aarti Pharma Labs (29-07-2024)
Since it’s my second post on ValuePickr apologies if I get anything wrong
I’m a newbie in this sector but after going through various yt videos and articles I’ve gained a good knowledge about this Sector( Not in detail Just the basics). So after understanding the sector I looked for good companies at reasonable prices and then I found Aarti Pharma Labs. Gone through their concall and Investor Presentation and gained a lot of information about their business. All things are good as well as the financials. But the thing that is concerning me is the valuation. The Current PE is around 24x(less than the industry average) and they are expecting a growth rate of 15% in the coming 3 years, based on that if we calculate their PEG ratio it’s coming to 1.66 which is then overvalued. I am confused how to value the business? Kindly Guide about the valuations and also the sector, if there are tailwinds or not
Cfa or mba what should i do (29-07-2024)
Hi sir . As i am currently pursuing my master here in the UK . I was thinking of joining an online mba in the mean time . My end goal is also to open my own investment firm. I was thinking to pursue online mba and give cfa at the same time . After it i would like to work as a research analyst in some big or small organizations for 5-10 years then open my own investment firm . Whats your take on this . Thank you so much
All E Technologies, making businesses ready for AI (29-07-2024)
Good set of numbers
Equitas Small Finance Bank: A Profitable lender to small businesses (29-07-2024)
GNPA is still above the RBI requirement of 2% for 2 years. To reduce GNPA they would either have to do write-offs or grow the book. I am guessing they will be growing more in H2 as indicated by many banks, and MFIs that H2 should be normal for the entire lending industry.
But that means they cannot apply for the license now till at least Q2FY27, this assumes that in Q2 the GNPA reduces below 2%.
In the meantime Ujjivan and AU who are eligible for UBL should be applying this year, let us see if RBI grants them the license. If they do, they will have an advantage over Equitas and other SFBs for this period.
Hitesh portfolio (29-07-2024)
hi hitesh,
need some clarity on the topic Stock lending and borrowing (SLB).
i have 85 shares of bse ltd. i would like to give them under SLB. can u guide me on the following:
- how to lend?
- what returns will i get?
- which duration of lending is ideal?(monthly/quaterly/annual).
regards,
s a
Cfa or mba what should i do (29-07-2024)
Hi @Jibankumar
I am a CFA charterholder and I am currently running my own investment practice
from the perspective of gaining knowledge – CFA is a better option as you would gain in depth knowledge in various topics of finance and would be better equipped for a private equity role
however , Private equity is a very niche field and the people working in this industry like to employee people who have worked in consulting before or have completed MBA ( from top colleges) .
My suggestion would be to try to get in a good MBA college and join healthcare consulting. You can pursue CFA while you are studying / working
Jindal saw – Another beneficiary of India’s growth story (29-07-2024)
After a long consolidation stock breaks out with good volume.
Discussion Thread ‘Smallcap Hunter’ is missing: Poof! Gone (29-07-2024)
Hi, it was a thread started by me. Eventually, everyone started discussing multiple stocks and sectors in the same.
I have asked the VP team for the reason, hoping to receive the same. None of my posts were against the guidelines. Let’s wait for an official reason for the same.