Hello Fellow Members,
I have been studying and watching the market for more than 10 years (I was 33 when I got interested towards market). Initially I have started with investment in ETFs / Mutual funds. I have started investing into direct stocks since 2018.
I would like to share my current portfolio and get the views of seniors.Generally I carry out fundamental analysis for stocks before investing to see basic parameters like sales and profit growth, OPM, NPM, EPS. Planning to have a concentrated portfolio of around 10 to 15 stocks. Below table shows the list of stocks I invested.

Professionals leaving banks is common now-a-days. Many banks have reported high attrition rates in last Annual Reports.
This is a major area of concern, as senior professionals leaving for such reasons like high stress and nil work life balance can create operational risks to well managed banks.

This is common area of concern for investor in banks. IT industry goes through this ritual of firing people after every 4-5 years which does not create a good impression about IT companies. This trend seems to be now catching up with Banks.

Some of these reasons are good enough for Mr. Market to give lower P/B multiples for private banks going forward. Toxic work culture often leads to frauds, wrong practices and reduced productivity.

Having said this, Banks is general will remain a long term growth story in many nations which are still growing with rising population.

Above statements are my general observations and nothing specific to HDFC Bank.

(I will remain invested in HDFC Bank as of now.)

Chava is making bigger and bolder bets. In the last three years, he has invested more than Rs 2,000 crore, in what qualifies as the biggest investment in the sector, to build facilities for contract research and manufacturing services as well as put up fermentation plants for biotechnology intermediates. The only other pharma player to come close is cross-town rival Aurobido Pharma.

This bet is significant as, traditionally, large domestic pharma companies have shied away from investing in contract research and manufacturing services:
First, because the business entails large upfront investments to demonstrate capability, and
second, multinational companies have never quite trusted large Indian companies that copied and sold many of their patented drugs in the domestic.

Don’t give to much weightage to any management commentary, Specially to commodity players.

Just figure out key variables, try and track those along with management commentary.