Not figuring now
Posts in category Value Pickr
GRUH Finance – mini HDFC (23-09-2015)
Algorithmic credit appraisal is not such a novel thing - it is already quite commonly used by banks in developed countries for retail credit, I think.
Payment banks (or aggregators like Bankbazaar) can add distribution strength to the algo credit products of traditional banks.
Traditional banks can also devise their own distribution through their mobile apps / websites / etc.
Both the costs related to credit appraisal and distribution can be significantly reduced this way. For this - everything will need to get electronic, first.... That is still another 5 years away, at the least....
How far algorithmic credit appraisal can be trusted is a different discussion
Also, the assumption about "winner-takes-all" is quite false, I think....
Byke hospitality – Truly asset light? (23-09-2015)
spoke to company secretary swati.
got the answers
1. being veg is great advantage because of marwari and gujju weddings.they only want everything veg that means no non veg should be even cooked in the kitchen.
2.uk prop[erty proposal dropped.nothing happening.
3.they said they l try their best.
4.they are moving towards making all properties 3 star atleast.
5.rating suspension was time expired as payment not given on time.now its ok.
6. online strategy they are working and will lauch soon.
GRUH Finance – mini HDFC (23-09-2015)
I am not saying that this banking revolution is happening tomorrow.But with the RBI / govt focus on achieving inclusive tech based banking it could happen in the future . Some of these companies like Airtel , Vodafone , India post , Paytm already have a network in place, you add big a bank participation its not inconceivable.
Repco plus gruh form 40% of my PF. We give high BV to them on the basis that they have years/decades of growth ahead. I am just worried about potential competitors/disruptions .
My view point is still that Gruh & Repcos niche lending/appraisal experience cannot be replicated easily. But it serves to look out for these disruptions.
Thanks rajpanda for the video link. It triggered me to look at this angle.
VLS Finance limited (511333) (23-09-2015)
Hi Anurag,
I am also going to attend AGM as I am tracking the company. You can reach me @ 9910950242. Let us talk before the AGM if possible.
POKARNA LTD ( Stock opportunities ) (23-09-2015)
Hello all,
don't know if this means much but was going through the Annual Report of Asian Granito India Ltd. and the following fact about their Engineered Stone division (Marble + Quartz, about INR 110 cr in Revenues in 2014-15) caught my eye:
"Cutting-edge technology: The Company uses the top-of-the-line Breton stone-cutting technology that helps retain the natural beauty of marble."
Don't think it means much cause it says marble and not quartz. Also, as per the wordings of the company they don't export anything from this division and actually plan to increase imported products for sale in India. So I don't think there is any competition for Pokarna's quartz. But if anyone is aware of more details, please share.
Thanks
Sachit
Skipper Ltd., distributing Power and Water, Is it a moat in making? (23-09-2015)
Skipper's AGM is today, if any VP member has attended the same then please share the details.
GRUH Finance – mini HDFC (23-09-2015)
Small banks can market the lending products of other institutions. So the threat is still valid i think.
Credit appraisal risk though has to be taken by the lending institution, but this will go some way to relive the constraint that bigger financial institutions had felt in reaching out to un-served customers.
Do watch this fantastic discussion involving Nandan Nilkeni & Vijay Sekhar (paytm) to get insights on the shape of things come in banking industry.
Kaveri Seeds – Temporary thread for clarifications (23-09-2015)
One should raise these queries in AGM which is on 29 Sep 15. Anyone planning to attend it in Hyderabad.Not sure that a govt organization can compete with a private player.Indian farmers take a long time to develop trust in a brand.
GRUH Finance – mini HDFC (23-09-2015)
RBI has not said anything about it. With SBI joining hands with Reliance, Airtel with kotak bank. Its only a EXPECTATION for the payment banks to turn full fledged in the future.
It may or may not happen.