I have attempted to estimate Stock Price of HDFC Bank after 5 years, based on my analysis.

Since I am holding HDFC Bank since 2011, I believe that, Bank can still grow its book value by around 10 to 12% conservatively.
If Market rewards the bank after 5 years by increasing its P/B to 3.5 from current P/B of 3.0, there are various possibilities.

I have assumed that, it may be difficult to expect past 10 years book value growth since I am assuming that NPA(s) may rise and hence Book value after adjusting NPA(s) may not grow as fast as last 10 years. Considering that, HDFC is now merged with HDFC Bank, there is likely shrinkage in NIM and also possible increase in Gross NPA(s). It may not happen but I have considered conservative picture.

Following could be the worst, most likely and best case scenarios:

Keep in mind that, 10 Year Median P/B is 4.0 but I have considered Exit P/B of 3.5 (as conservative approach).

So there is a possibility to see reasonable 11 to 14% Price CAGR here.

Note : In real life, these estimates may or may not work as things are changing and competition from Fintech is also increasing. This is not a buy/sell recommendation.
I have assumed simple scenario. Actual scenario will be complex if there is share buy back, Fund raising via various routes in which case book value growth would be different.

Hi guys,
I saw this interview of the MD : https://youtu.be/eDXhABpnEE8?si=C0mLVUO1-zkpRYIL. Can someone help me understand why is steel prices going down bearish for their topline?

My limitations in profound understanding of the intricacies within the chemical industry, its complex processes, and the nuances of innovation hinders my ability to provide you with insights of substantial value…

I think Saudi Aramco?

I was wrong. PLNG is not investing in EV charging stations.

I was confusing it with Indraprastha Gas. They have said that, they would be also setting up EV charging stations to expand their revenue base outside CNG/PNG.

Indraprastha Gas has already installed and commissioned 4 fixed EV charging stations in NCT of Delhi and has also rolled out its battery swapping facility for two-wheeler and three-wheeler segment. Besides this, in order to explore the investment opportunities in EV value chain viz. battery manufacturing / swapping, EVs manufacturing etc., the company is in discussions with leading players in the field of EV landscape.

I do have investment in Indraprastha Gas as well hence the confusion.