Discover and read the best of Twitter Threads about #bajajfinance
Most recents (22)
A #BRILLIANT move by the @FinMinIndia hit 4 birds with one stone by introducing 3 changes in the Finance Bill. The 3 birds..
1) Higher Tax Collections
2) Capital Controls
3) Bank Deposits
4) Lower cost of Govt funding.
But will HURT GROWTH. Long #THREAD
1) Higher Tax Collections
2) Capital Controls
3) Bank Deposits
4) Lower cost of Govt funding.
But will HURT GROWTH. Long #THREAD
What are the changes
1) End of LTCG on #debt, Gold ETFs, Overseas or Any mutual fund that invests in less than 35% india equity bought after 1 Apr-23
2) STT Raised by 25%
3) Tax Collected at Source (TCS) raised to 20% (5% earlier) & threshold reduced to Zero (Rs7 lac earlier)
1) End of LTCG on #debt, Gold ETFs, Overseas or Any mutual fund that invests in less than 35% india equity bought after 1 Apr-23
2) STT Raised by 25%
3) Tax Collected at Source (TCS) raised to 20% (5% earlier) & threshold reduced to Zero (Rs7 lac earlier)
TRIGGER POINT: The Banking system is facing a shortage of liquidity => PRIMARY motive for the Changes in the Finance Bill in my opinion.
WHAT CAUSED THE LIQUIDITY CRUNCH? Weak Deposit growth vs credit growth.... also reflected in rising Credit/Deposit ratio
WHAT CAUSED THE LIQUIDITY CRUNCH? Weak Deposit growth vs credit growth.... also reflected in rising Credit/Deposit ratio
Set a reminder for my upcoming Space! twitter.com/i/spaces/1kvJp…
We are going live in 5!
Follow the thread below for slides!
#nifty50 #NiftyBank #corporateindia
We are going live in 5!
Follow the thread below for slides!
#nifty50 #NiftyBank #corporateindia
Before we begin, here is the Disclaimer
#RBI policy on Recovery of Penal Charges on Loans…. #SBICards #ManappuramGold #MuthootGold #BajajFinance #NBFCs etc
Could be Negative for Credit card Cos, gold loan companies & Likes kd BajajFinance which charge high penal interest….
Could be Negative for Credit card Cos, gold loan companies & Likes kd BajajFinance which charge high penal interest….
#Muthoot charges penal interest of upto 2% on schemes. Recall that their ROA is 6-7% so this Penal Interest is meaningful
#manappuramGold penal Interest Rates
🚨"Bajaj Finance's Exceptional Q3: 40% Net Profit Growth, A New Record"🚀
Key Takeaways of Bajaj Finance's Q3 Result in this🧵
1) Net profit rose by 40% from the previous year, totaling 2,973 crores.
#BajajFinance #bajaj_finance
Key Takeaways of Bajaj Finance's Q3 Result in this🧵
1) Net profit rose by 40% from the previous year, totaling 2,973 crores.
#BajajFinance #bajaj_finance
2) Bajaj Finance made 24% more money from net interest income compared to last year which is a very big positive.
NBFCs make money by charging more interest on loans they give out than the interest they pay to borrow money from other financial institutions or people.
NBFCs make money by charging more interest on loans they give out than the interest they pay to borrow money from other financial institutions or people.
3) Bajaj Finance's NPA ratio stands at 1.14% which is considered very low.
NBFC keep track of the money that people don't pay back by using a number called NPA. A lower NPA number means that the NBFC is able to get most of its money back from the people who borrowed it.
NBFC keep track of the money that people don't pay back by using a number called NPA. A lower NPA number means that the NBFC is able to get most of its money back from the people who borrowed it.
Why did Bajaj Finance shares fall over 8% value dip by over Rs 500?
Is this an 😨indication of an upcoming market crash?
Check out 👇why the stock crashed and what investors need to do now.
A THREAD ...🧵
Is this an 😨indication of an upcoming market crash?
Check out 👇why the stock crashed and what investors need to do now.
A THREAD ...🧵
1 -First, Let’s look at Bajaj Finance :
- On Thursday Shares of Bajaj Finance were Rs 119.25 lower at Rs 5,980.60 on BSE.
- The losses continued for 2nd session.
- It is now below Rs 6000 mark,
- Which is the lowest since July 2022.
- On Thursday Shares of Bajaj Finance were Rs 119.25 lower at Rs 5,980.60 on BSE.
- The losses continued for 2nd session.
- It is now below Rs 6000 mark,
- Which is the lowest since July 2022.
2 - Why it is happening?
Reasons:
- Less growth in loan distribution than expected.
- Since, it depends on loan interest.
- Less loan= less growth.
- AUM Growth = 27% yearly; 6% quarterly.
- Despite having a festive season, demand is low.
Reasons:
- Less growth in loan distribution than expected.
- Since, it depends on loan interest.
- Less loan= less growth.
- AUM Growth = 27% yearly; 6% quarterly.
- Despite having a festive season, demand is low.
#Nifty50 stock chart
👉🏻Support and resistance levels.
👉🏻It can be helpful if you are stucked in any of the following stock.
🔀Retweet- Let the needful can get support.
You can also post your stock charts below.
#StockMarketindia #trading @kuttrapali26
👉🏻Support and resistance levels.
👉🏻It can be helpful if you are stucked in any of the following stock.
🔀Retweet- Let the needful can get support.
You can also post your stock charts below.
#StockMarketindia #trading @kuttrapali26
In last 4 Months I have suggested 40 Stocks. Here, I am trying to figure out how much money💸💸 would have become by Investing Rs 1 lakh in each of the 40 stocks.
@StocksTreasures @itsqfa @farirf07 @kuttrapali26 @nakulvibhor @JakeraChoudhury
@StocksTreasures @itsqfa @farirf07 @kuttrapali26 @nakulvibhor @JakeraChoudhury
➡️Recommendation Date of #FMCG Stocks is 3 July
➡️#vbl #ITC #RadicoKhaitan #unitedspirits #ubl #emami #hindustanunilever #nestle #tataconsumer
➡️TOTAL INVESTMENT9,00,000
➡️TOTAL VALUE AS PER HIGH11,26,228
➡️%RETURN ON INVESTMENT25.13%
➡️PROFIT2,26,228
➡️#vbl #ITC #RadicoKhaitan #unitedspirits #ubl #emami #hindustanunilever #nestle #tataconsumer
➡️TOTAL INVESTMENT9,00,000
➡️TOTAL VALUE AS PER HIGH11,26,228
➡️%RETURN ON INVESTMENT25.13%
➡️PROFIT2,26,228
➡️Recommendation Date of #Financial Stocks is 9 July
➡️#sbin #ICICIBank #HDFCBank #shriramtransportfinance #mahindrafinance #BajajFinance #KOTAKBANK #AxisBank
➡️TOTAL INVESTMENT8,00,000
➡️TOTAL VALUE AS PER HIGH9,90,458
➡️%RETURN ON INVESTMENT23.80%➡️PROFIT1,90,458
➡️#sbin #ICICIBank #HDFCBank #shriramtransportfinance #mahindrafinance #BajajFinance #KOTAKBANK #AxisBank
➡️TOTAL INVESTMENT8,00,000
➡️TOTAL VALUE AS PER HIGH9,90,458
➡️%RETURN ON INVESTMENT23.80%➡️PROFIT1,90,458
Bajaj Finance Ltd Q4 FY22 Earnings Concall Insights
#BAJFINANCE #BajajFinance #BAJFINANCEQ4 #concall #concalls #insights #results #stocks #TrendingStocks #earnings #stockmarketindia #StockToWatch
🧵
#BAJFINANCE #BajajFinance #BAJFINANCEQ4 #concall #concalls #insights #results #stocks #TrendingStocks #earnings #stockmarketindia #StockToWatch
🧵
Q&A Insights: Abhishek Murarka from @HSBC_IN asked about the NIM and cost to income outlook for FY23. Rajeev Jain MD said opex to NIM would remain elevated. Eventually it will lead to better OpEx to NIM ratio.
Q&A Insights: Apurva Deshmukh of @CRISILLimited enquired about percentage of consumer durable in stand-alone AUM of Bajaj Finance. Rajeev Jain MD said that it’s close to INR 20,000 crores in terms of balance sheet (BS) of consumer durable financing. On aggregate, it is 10% of BS.
It's Time to Bargain Hunt 💯
24 Picks to Beat the Market!🚀
Kindly 'Like & retweet' for max reach 🙏
A major thread🧵
@kuttrapali26 @caniravkaria @Puretechnicals9 @ProdigalTrader @nakulvibhor
24 Picks to Beat the Market!🚀
Kindly 'Like & retweet' for max reach 🙏
A major thread🧵
@kuttrapali26 @caniravkaria @Puretechnicals9 @ProdigalTrader @nakulvibhor
1/ RELIANCE INDUSTRIES LTD.
⚡Volatility Contraction Pattern (VCP) + Descending Channel Formation + Retracement
⚡All are indicating that stock might show a quick rally of 15-20% in upcoming weeks
⚡Timeframe - 3 months
#RelianceIndustries #nifty50
⚡Volatility Contraction Pattern (VCP) + Descending Channel Formation + Retracement
⚡All are indicating that stock might show a quick rally of 15-20% in upcoming weeks
⚡Timeframe - 3 months
#RelianceIndustries #nifty50
2/ TATA CONSULTANCY SERVICES
⚡Volatility contraction pattern + Double bottom formation + May form Inverted Head & Shoulder pattern
⚡As the company announced the buyback, this stock has a low chance of risk. One may add for 4-5 months for 20% from this IT giant.
#TCS
⚡Volatility contraction pattern + Double bottom formation + May form Inverted Head & Shoulder pattern
⚡As the company announced the buyback, this stock has a low chance of risk. One may add for 4-5 months for 20% from this IT giant.
#TCS
1/n
🧵on Relative Strength Index (RSI), one of the widely used Indicator in technical analysis by traders.
I am sharing:
1. Intro and the birth of RSI
2. What info RSI indicates
3. Application of RSI with chart patterns
4. Support/Resistance in RSI
5. Range Shift
6. Divergence
🧵on Relative Strength Index (RSI), one of the widely used Indicator in technical analysis by traders.
I am sharing:
1. Intro and the birth of RSI
2. What info RSI indicates
3. Application of RSI with chart patterns
4. Support/Resistance in RSI
5. Range Shift
6. Divergence
2/n
The concept of RSI was first introduced in the book “New Concepts in Technical Trading Systems.” By J. Welles Wilder Jr. Most of us get so attracted to the indicator itself we forget to study the background of Scientists and how the indicator got its life.
The concept of RSI was first introduced in the book “New Concepts in Technical Trading Systems.” By J. Welles Wilder Jr. Most of us get so attracted to the indicator itself we forget to study the background of Scientists and how the indicator got its life.
3/n
Understanding the psychology of the researcher is way more important than the indicator itself. Because indicator is the reflection of researcher’s personality and what they are looking into the markets (and charts).
Understanding the psychology of the researcher is way more important than the indicator itself. Because indicator is the reflection of researcher’s personality and what they are looking into the markets (and charts).
My core portfolio and business tracking thread...
Growth
#laurus
#deepaknitrite
Compounder
#astral
#polycab
Financial
#hdfcbank
#hdfclife
#hdfc
#idfcfirstbank
#sbicard
#bajajfinance
#muthootfinance
FMCG & Consumer/Discretionary
#tataconsumer
#hul
Growth
#laurus
#deepaknitrite
Compounder
#astral
#polycab
Financial
#hdfcbank
#hdfclife
#hdfc
#idfcfirstbank
#sbicard
#bajajfinance
#muthootfinance
FMCG & Consumer/Discretionary
#tataconsumer
#hul
IT Service oriented
#tcs
#hcl
#infy
#happiestminds
IT software & product oriented
#tanla
#intellect
#subex
#tataelxsi
Pharma
#divis
#syngene
#sequent
#neuland
#laurus
#jbchemical
Chemical
#pidilite
#alkylamines
#navinfluorine
Niche
#rajratan
#saregama
#tcs
#hcl
#infy
#happiestminds
IT software & product oriented
#tanla
#intellect
#subex
#tataelxsi
Pharma
#divis
#syngene
#sequent
#neuland
#laurus
#jbchemical
Chemical
#pidilite
#alkylamines
#navinfluorine
Niche
#rajratan
#saregama
Platform
#iex
#cdsl
#irctc
Other good businesses
#aplapollo
#relaxo
#dmart
#titan
#jubiliantfoodworks
#tatamotors
#bkt
#iex
#cdsl
#irctc
Other good businesses
#aplapollo
#relaxo
#dmart
#titan
#jubiliantfoodworks
#tatamotors
#bkt
Big news came in that #BajajFinance has been granted authorisation to issue pre-paid instruments.
What are pre-paid istruments and what it means for @Bajaj_Finance ? Let's learn in the thread below. 🧵
What are pre-paid istruments and what it means for @Bajaj_Finance ? Let's learn in the thread below. 🧵
What are PPIs?
RBI as per under the Payment and Settlement Act, 2005 defined Prepaid Payment Instruments as instruments of payment that facilitate buying of goods and services, including the transfer of funds against the value stored within or on the instrument.
RBI as per under the Payment and Settlement Act, 2005 defined Prepaid Payment Instruments as instruments of payment that facilitate buying of goods and services, including the transfer of funds against the value stored within or on the instrument.
The value stored in the instrument is represented by the value that has already been paid for by the holder or the instrument by any method such as, by cash, by debit from a bank account, credit card or even from other PPIs.
Spate of Q4FY21 results showcase #Economy is on track
#ICICIBank reported Profit of Rs4402Cr,a 260% jump YoY,with NII up a solid 16.8% at 10431Cr
Tech companies have done well,with #TechMahindra reporting Dollar Revenue growth of 1.6% QoQ &Margins up 10bps at 16%
#Modinomics💪
#ICICIBank reported Profit of Rs4402Cr,a 260% jump YoY,with NII up a solid 16.8% at 10431Cr
Tech companies have done well,with #TechMahindra reporting Dollar Revenue growth of 1.6% QoQ &Margins up 10bps at 16%
#Modinomics💪
#HCLTech also reported good numbers with Dollar Revenue up 3% QoQ
IT&Business Services segment grew 4.4% QoQ
Even for #MarutiSuzuki,while Profit fell,it managed to have Gross Margins at 26%,Vs 27.5% QoQ
Margin above 25% despite challenges thrown by Pandemic,is good
#Modinomics
IT&Business Services segment grew 4.4% QoQ
Even for #MarutiSuzuki,while Profit fell,it managed to have Gross Margins at 26%,Vs 27.5% QoQ
Margin above 25% despite challenges thrown by Pandemic,is good
#Modinomics
In Banking space,besides great results by #HDFCBank& #ICICIBank, #AxisBank too reported good results, with Profit at Rs2677Cr,Vs loss of 1388Cr,YoY
While Gross&Net NPAs of Axis rose 15%&52% YoY,with Provisions down 28%,good news is NII is up 11% at Rs7555Cr
#Economy #Modinomics
While Gross&Net NPAs of Axis rose 15%&52% YoY,with Provisions down 28%,good news is NII is up 11% at Rs7555Cr
#Economy #Modinomics
#bajajfinance #Q3marketupdates Q3 FY21 highlights
New loans booked 6.04/7.67 mn Q3fy20
Customer franchise Q3fy21 46.31 vs 40.38 mn 31 Q3fy20 Company acquired 2.19 mn new customers in Q3fy21 vs 2.46
mn Q3 FY20.
AUM 31 Dec 20 143,550 cr vs 145,092 crore as of 31Dec 19.
New loans booked 6.04/7.67 mn Q3fy20
Customer franchise Q3fy21 46.31 vs 40.38 mn 31 Q3fy20 Company acquired 2.19 mn new customers in Q3fy21 vs 2.46
mn Q3 FY20.
AUM 31 Dec 20 143,550 cr vs 145,092 crore as of 31Dec 19.
Liquidity surplus Q321 14,347 cr vs 11 ,384 cr Q320 Cost of liquidity surplus for Q3 FY21 was ~ 213 crore vs ~ 83 crore in
Q3 FY20
NII for Q3 FY21 ~ 4,296 vs ~ 4,535 cr Q3 FY20
NII for
Q3 down 239 cr vs Q3 20, due to higher
reversal of interest income & cost of liquidity
Q3 FY20
NII for Q3 FY21 ~ 4,296 vs ~ 4,535 cr Q3 FY20
NII for
Q3 down 239 cr vs Q3 20, due to higher
reversal of interest income & cost of liquidity
PAT Q3 FY21 1146 vs 1614 crore in Q3 FY20
GNPA ,NNPA as of Q3fy20 0.55% & 0.19% vs
1.61% & 0.70% Q3fy20
PCR Q3fy20 65%
Capital adequacy ratio (including Tier-II capital) Q3fy20 28.18%
GNPA ,NNPA as of Q3fy20 0.55% & 0.19% vs
1.61% & 0.70% Q3fy20
PCR Q3fy20 65%
Capital adequacy ratio (including Tier-II capital) Q3fy20 28.18%
Weekly NIFTY50 analysis thread.
September Week4.
All posts are for educational purposes.
September Week4.
All posts are for educational purposes.
#Thread of the top 3 stocks, sector wise
Industrial Conglomerate
#Siemens
#3M
#Godrej
Pharma
#Caplin
#Granules
#Natco
Electronics
#Dixon
#Amber
#Honeywell
(1/n)
.@dmuthuk .@Arunstockguru .@AnyBodyCanFly .@FI_InvestIndia .@Gautam__Baid .@contrarianEPS .@AswathDamodaran
Industrial Conglomerate
#Siemens
#3M
#Godrej
Pharma
#Caplin
#Granules
#Natco
Electronics
#Dixon
#Amber
#Honeywell
(1/n)
.@dmuthuk .@Arunstockguru .@AnyBodyCanFly .@FI_InvestIndia .@Gautam__Baid .@contrarianEPS .@AswathDamodaran
Health care
#Lalpath
#Kovai
#Narayanahru
Auto
#Eicher
#Maruti
#Hero / #Bajaj / #Escorts (#Tractor)
Auto parts
#Minda
#Motherson
#Subros / #Fiem
Communication & networking
#Sterlite
#Dlink
#Tejas
Chemicals (huge options)
#Kanchikarp
#Kilpest
#Bodal
(2/n)
.@ipo_mantra
#Lalpath
#Kovai
#Narayanahru
Auto
#Eicher
#Maruti
#Hero / #Bajaj / #Escorts (#Tractor)
Auto parts
#Minda
#Motherson
#Subros / #Fiem
Communication & networking
#Sterlite
#Dlink
#Tejas
Chemicals (huge options)
#Kanchikarp
#Kilpest
#Bodal
(2/n)
.@ipo_mantra
Biotech
#Syngene
#Eris
#Vivobio
Transport
#IRCTC
#Interglobe
Real estate
#Sunteck
#Nesco
#Oberoi
Logistics
#Allcargo
#TCI
#Mahindralog
Banking & related
#Creditaccess
#Bajajfinance
#Hdfcbank / #Kotak
Food
#ZYDUSWELLNESS
#Avanti
#Hindfoods
(3/n)
.@VJ_Rabindranath
#Syngene
#Eris
#Vivobio
Transport
#IRCTC
#Interglobe
Real estate
#Sunteck
#Nesco
#Oberoi
Logistics
#Allcargo
#TCI
#Mahindralog
Banking & related
#Creditaccess
#Bajajfinance
#Hdfcbank / #Kotak
Food
#ZYDUSWELLNESS
#Avanti
#Hindfoods
(3/n)
.@VJ_Rabindranath
I believe #ratio #charts are one of the most underrated and underutilized tools in #technicalanalysis. Do you agree?
Ever wondered which stock to chose between the two?
#HDFC or #HDFCBank?
#TCS or #Infosys?
#HeroMoto or #BajajAuto?
#ACC or #Ambuja?
#BPCL or #HPCL?
#BajajFinserv or #Bajajfinance?
But don't know whats the best approach to pick one?
#HDFC or #HDFCBank?
#TCS or #Infosys?
#HeroMoto or #BajajAuto?
#ACC or #Ambuja?
#BPCL or #HPCL?
#BajajFinserv or #Bajajfinance?
But don't know whats the best approach to pick one?
#Ratio #charts can help you identify the best stock for #trading and #investment. You can plot a #ratiochart by dividing the price on one stock with another. Its preferable to divide the high priced stock with low priced one to get ratios greater than 1.
Market has given me many lessons. It tells me to set aside my ego. Never get married to your stocks. Whenever you are going to buy a stock , make a clear mindset about it. Is it for investing or trading. Never jump between these two based on stock price movement.#marketstrategy
When you have bought a stock for trading based on technicals or your any strategy, always have a stoploss based on that strategy. Most important thing is to respect stoploss and humbly accept loss. You can't be right everytime.
If you respect stoploss, there are very high chances that you will end up making money overall (considering you have done your homework). If your success ratio is 33% then also you can be on profitable side. Lose less by respecting stoploss and make big on positive bets.
My thread on #Bajajfinance stock - Company analysis, Segments, Valuation by inbuilt Growth vs RoR and Intrinsic valuation by Excess returns model. This involves a lot of assumptions and rationale (I may be wrong in my assumptions) #Stockanalysis #Stockvaluation
This is for academic purpose and not a recommendation, Purpose to share and highlight how to go about analysing and valuing a NBFC. I have not used the traditional DCF model because its not recommended to value Banks/NBFCs through DCF model
Business analysis - Below are the business segments of Bajaj Finance and classification of what these segments do?
#BajajFinance is falling based its loan book which is 90% unsecured. As per experts it would be difficult to collect. Let's clarify few things.
1) Bajaj Finance loan book consists of customers of the avg #Cibil score is 750. They don't approve anything below 700 at all.... (1)
1) Bajaj Finance loan book consists of customers of the avg #Cibil score is 750. They don't approve anything below 700 at all.... (1)
2) The customer repayment may not hit hard since since the avg EMI is not more than Rs:5000/-(approx)
3) In current scenario the customer default would be limited since the Cibil plays a major role in customer credit worthiness
3) It has a mkt share of 72% consumer finance and..
3) In current scenario the customer default would be limited since the Cibil plays a major role in customer credit worthiness
3) It has a mkt share of 72% consumer finance and..
And at current scenario ( last one year sales Cash vs Finance) the sales thru finance contributes 50% of the total sales in major segments.
4) The collection process of Bajaj is far stronger compared to its nearest competitor interns of infra and manpower.
4) The collection process of Bajaj is far stronger compared to its nearest competitor interns of infra and manpower.
#TweetStorm - Expensive or deserves to be Expensive ? 1)One thumb rule for screening expensive companies is Market Cap to Sales or Enterprise Value to Sales. A 10x or more is generally expensive unless the company can grow sales rapidly or has extremely high Net Profit Margins.
2)Another way to look at expensive is if the Market Cap is equal to the Total Sales of the Addressable Market Size. This would lead to company having to launch different products in the future.
3)May not be the approach to take a Sell Decision or a Short Sell Decision. Very few companies can command such high valuations. Thumb Rule is just to review the investment thesis and the quality of the business. If doubts on quality , get out.
