It was specifically addressed to Shail and he has replied too but here are some points, if it can be of help. Again, it will won’t be a pointed advice, as you are seeking but only general observations : 1) A lot will determined on the basis of the tax and surcharge bracket, you are in. After all, net returns counts and nothing else. 6% in short duration funds, over 3 years is actually the better of the returns…some have done as pathetic as 4.5-5% and the passover effect of ‘would be’ interest rate cut is far off from short term funds, as of now. . Post tax, this will be even lesser but if you had bought them 3 years ago, the saving grace is indexation can be applied to the ones if you redeem now 2) The taxation on arbitrage funds will be same as Equity and hence an 8% in arbitrage is equal to getting 10.6% in debt fund (assuming it is LTCG in arbitrage…if not, it will be equal to 10.1%…assumption top tax bracket). plus most arbitrage funds, don’t have exit loads or have exit loads, that are applicable for short tenure only 3) The switch to long duration fund – what is the effect of tax on redemption of long duration? Same as slab rate, independent of STCG or LTCG…

Hello Thank you for that in-depth breakdown regarding SULA, regarding the growth aspect of the organisation, don’t you think it’s a bit farfetched that SULA can reach the current UBL revenues 20 years down the lane? Even If the wine segment in India reaches 16-17% and SULA commands a 30% market share, I expect it to be 8x from current values.

DC: Invested, tracking to add more

Hi Rohit,
I too have found multiple threads with them using high res stock footage as their own machinery. Convinced about my decision completely and given the overall downturn in market – It has given chances for me to add to my existing position.

Dear folks who have invested in polymatech, I am not suggesting that the company is bad/scam but there is a lot of ethically wrong stuff they are doing (claiming production of semiconductors everywhere by carefully ignoring optical semi, Using stock footage as their own production footage) – Please add another round of due diligence on your positions.

Just my points – Can be taken or dropped.

Voldemort

This is not a demerger. This is listing of a subsidiary, for which majority will still be with HDFC Bank. Previously HDFC bank was the subsidiary and HDFC Limited was holding company. Now the structure will be similar to all other banks – like ICICI bank, Kotak etc where parent is a bank and will have listed subsidiaries with varying stake levels