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[00:00:00]Eight.

[00:00:16]P Modi has urged citizens to conserve fuel and foreign exchange amid the ongoing global supply chain crisis. He called for greater use of metros, EVs, car pooling and work from home systems while also appealing to Indians to postpone non-essential foreign travel for the next year.

[00:00:35]These streets see stress after PM Modi's comments and global jitters. Nifty falls below the 23,900 mark while the broader indices move in tandem and the VIX spikes by 10%. Most major sectoral indices are languishing in the negative territory even as the IT and farmer see some defensive buying.

[00:00:56]Consumer and travel link stocks reacted sharply after PM's message to cut discretionary fuel use and postponed foreign travel. Jewelry names like Titan, Kalyan, Senko, Gold slipped while Indigo also declined. The EV related stocks including uh JBM auto gained on expectations of faster electric mobility adoption and Tata consumer gains after posting a strong quarterf led by robust domestic volume growth, strong traction in Tata san and continued momentum in Starbucks.

[00:01:28]Meanwhile, Swiggy slips as brokerages cut target prices despite narrowing losses with investors tracking the path to profitability more closely now. Urban company and ABB India slip after weak earnings. Net loss widens for the home gig platform while uh margin pressure and rising input cost weighed on ABB.

[00:01:55]Meanwhile, Leniva Bupa gains after a strong Q4 with profitability improving sharply.

[00:02:04]Fuel prices hikes may be back on the table as soaring crude prices squeeze oil marketing companies uh sources say that the government finance ministry and the OMC's are reviewing the situation amid rising under recoveries though no final decision has been taken yet hello and welcome you're watching by now sell now I'm with you Kavita Tapli with me is my colleague Ankita saken And next webinar is going to be all about your stock specific questions. Uh and we'll be joined by our technical as well as fundamental expert. But uh until then all you have to do is just send across your stock specific queries. The number our WhatsApp number that's flashing on the screen. All you have to do is just write down the name of the stock, the price at which you bought it and the timeline till which you want to hold.

[00:02:51]Whether it's an investment or a trading perspective, we'll get you our experts answers accordingly. Uh but before that, let's quickly move on and uh let's look at the markets. Definitely uh the market is jittery after the PM Modi's comment and definitely the global developments that we can see around broad-based weakness across secular indices. Uh uh we can see a risk of start of domestic markets today being the first trading day of the week led by heavy selling in consumer durables reality media PSU banks and auto stocks. If you also look at financial and metals uh they are also under pressure reflecting definitely a very cautious sentiment amid the global uncertaintity. uh but IT stock showed relative resilience but we'll just check the uh current trajectory while defensive pockets such as healthcare and FMCG limited overall market damage and u uh that's a considerable index that you can see almost more than 3% down but uh marginal gains on the IT pack side look at also u some stock specific action goldish properties Anantra Loa from the real estate uh pack that we are seeing under pressure and uh you So just in intraday basis, Nifty50 has also slipped 300 points from its day high and Bank Nifty is also almost down 740 uh points from its day high. At the broader market, midcap and small cap uh you know uh midcap 100 and small cap 100 both down more than 1% uh uh is is what we are looking at the markets now. But then more on the markets later before that let's go across to Ankur in conversation with Rajni Shakanatak managing director CEO Bank of India on the Q4 results.

[00:04:31]Yes, Bank of India has posted a record earnings this time. In fact, if you talk about the earnings, uh the net profit has shown a growth of over 15%. And to discuss about earnings, I have with me Rajnish Karnatak, MD and CEO, Bank of India. Uh Mr. Karnatak, welcome to ET.

[00:04:48]Now uh my first question to you is your bottom line uh seems uh very good but as far as the constituents of bottom line we have seen uh NI has grown but other income has declined. So can can you throw light on the constituents bottom line this time?

[00:05:08]>> Yeah thank you so much Ankur for having me here. So as far as our overall profitability is concerned, it has improved as you rightly said that we have uh shown a net profit of more than 10,000 crores with a growth of more than 14%. As far as the quarterly profit is concerned there also for the first time we have touched the 3,000 cr and it has also grown at around 15%. As far as the uh this portion of that you are saying with respect to uh the net interest income is concerned there also if I say that it has grown by around 3%. There also some improvement is there but the pressure is with respect to the net interest margins. The net interest margins are under pressure. Yes, because we have touched the figure of 2.52.

[00:05:50]However, having said that I let me clarify that we are having a international book which is nearly 14% where the names are around 1.2 1.3%. But our domestic names are around 2.78%. So that is why on a blended global name we stand at around 2.52%. However, having said that, we are very much cognizant of the fact that we have to improve our net interest margins and we'll be doing lot of strategies to improve the net interest margins in this financial year FI27. As far as the non-interest income is concerned in the overall profitability, there also Ankur we have grown by nearly 10% on a YI basis. So that has been a good growth which we have shown over the years and there also in order to maintain the overall higher profitability for the next financial year we are strategizing certain things so that the non-interest income grows substantially in this financial year.

[00:06:40]>> Definitely. And now let us discuss each vertical one by one. Uh you mentioned about non-interest income fee income has been good but overall has there been impact on treasury? Has there been impact due to yield movement? Yeah, definitely there has been impact due to the treasury yields movement and also the RBI circular on the forex part which had come both had a impact in spite of that we were able to grow as I said our non-interest income by 10%. So a lot of our processes and other things with respect to wealth manage and other things are now fully stabilized and they are giving us good results. Lot of automation in the processes which we have done for the wealth management products there also a lot of efficiency has come operational efficiency because of which more volumes we are seeing with more volumes we are seeing we will be seeing much better non-interest income coming and acrewing in this financial year for us. Talking about net interest margins once again you mentioned that you have taken impact in Q4 uh I want to understand in FY26 when you're saying that names will be better can we safely say that a worst is behind us and the trajectory will be uh if I can use that uh term towards 3% mark in this financial year if not exact >> yeah to explain the net interest margins for us see there are two basic components one is the yield in advances and the other is the cost of deposit. So as far as the yield on advances are concerned, our yield on advances on March 26 is 7.8%.

[00:08:10]And it has come down by nearly 60 basis point in this financial year. And as far as the cost of deposit is concerned, it is at around 4.8%. And it is quite sticky in this financial year because of the liquidity constraints and it was it has come down by only 10 basis point. So however the silver lining for us is that the difference between the two is 3% as on 313 2026 7.8 visav 4.8 date. However, again I would say that we will be doing lot of strategies to improve the yield on advances number one and also quite a few strategies we have already started for reducing this cost of deposit but uh to say that the yield our NIM could be at around 3% for FI27 would be a challenge. I would say a NIM of around say 2.7 2.75 global NIM uh that would be the guidance that we would be going. So that is the realistic uh guidance which you are giving but the trajectory is going to improve for sure.

[00:09:11]>> Yeah definitely the trajectory will be improving with the geopolitical situation as it is with the west Asia crisis which we hope that should settle down by Q2 of this financial year and post that the interest rate should come down and other kinds of things could brand crude other things should come down and with that we should see the improvements in the margins in the system. uh one can also say that this time the bottom line has got some kind of benefit due to lower provisions as well. Uh so how do you see the provisioning part here and also ECL provisioning has been announced now what is your strategy there as well?

[00:09:47]>> So as far as the provision is concerned so when you are seeing that we have reduced our provision on the bad and doubtful debt it is also because of the fact that our fresh slippages have been quite low. If you see the balance sheet in FI25, we had a fresh lipage of around 7,500 cr which resulted in that kind of provision in FI25 balance sheet. This year our fresh lipages are only 5,500 crores. In fact, it has come down by nearly 2,000 cr. Because of which there is less requirement of the bad and doubtful provision that is the realistic uh figure out there apart from that whatever the provision on the bad and doubtful is there it is 100% provided as per the RBInoms. That is one part. As for as regards the ECL guidelines of RBI concerned which kicks in on 1st April 2027. There also we have onboarded a vendor. Our teams are already working on it. Lot of work has already started since the draft guidelines have come down. Now that the final guidelines have come down uh we were very uh comfortable with the fact that the impact would be somewhere around.5% perom only on our CR. So if you see our see our CR also it is around 18.01% as of March much above the regulatory requirement of 11.5%. C1 is also very healthy at more than 15%.

[00:11:04]So as far as Bank of India is concerned the transition towards ECL for us will not be any constraint.

[00:11:11]>> Right? You explained about ECL. Now uh if you talk about the other constituents like your loan growth that has been quite healthy this quarter uh which are the pockets or the sectors you're seeing that this loan growth will continue and how much of the guidance you want to stay give for 27 >> yeah so credit growth global credit growth has been 15% plus domestic credit growth has been a very robust 16% plus as far as within that segments are concerned as you asked so in the RAM segment we have grown by more than 19% plus within which we have grown our MSME by 17% plus agriculture more than 17% plus and retail by more than 21% plus in fact corporate loans also we have grown at double digit in fact at around 12% plus on a YI basis so as far as the guidance for FI27 is concerned we have given a guidance of around 15 to 16% of corporate credit growth total global credit growth in FI27 >> uh definitely now talking about deposit deposits. Uh is the repricing completely over?

[00:12:17]>> No, repricing is not completely over.

[00:12:19]I'll just share a data point with you for our bank. So as far as the retail term deposit is concerned, our average uh the maturity bucket is around 25 months for the retail term deposit though. So the first repo cut from RBI happened if you remember in February 2025.

[00:12:36]So uh so 25 months from that will be ending in February 2027. So there are lot of deposits in the retail category which are yet to be repriced. So just to give you a sense we have 2.2 lakh crores of retail term deposit with us. So some major component of that significant component of that is yet to be repriced.

[00:12:55]As far as the bulk deposits are concerned there also our average maturity period for one year uh bulk deposit is around 12 months. So there also some repricing is yet to take place. So that repricing effect is yet to take place and this is what we are saying that VNV say when we say that our global NIM should be at around 2.7%.

[00:13:13]So we are also taking into effect that global crisis will ease out number one and number two some repricing benefit we will also get in this financial year 27.

[00:13:23]uh right even the color of deposits have changed that is not just case of bank of India but other banks and we have seen that rate on deposit growth is there but as far as Kasa is concerned the degrowth kind of a scenario is continuing do you think this trend will continue or think this year will be slightly changed >> yeah so raising of resources is not a issue only the price at which it is getting raised is a issue that is the basic point so as far as kasa is concerned see most of the banks are slowing having a flat casa. So in absolute terms if you see our bank also we have grown our kasa book by nearly 20,000 crores. But in terms of percentage kasa percentage is somewhere around 37% plus for us. However the retail term deposit is also healthy for us. There we also we have grown in double digit. So our bulk deposit is only 18%. Which means that the remaining 82% is the retail term deposit and the casa for us. But yes there is a challenge as far as the raising of resources is concerned particularly from the kasa side and we think that this will continue to remain because of the some structural issues because lot of investment opportunities are there for the uh savers our customers so they can invest in gold they can invest in equity they can invest in mutual fund real estate is another place where people are investing so obviously there is a big challenge as far as raising of the resources is concerned but yes casa is a challenge within that but overall bulk deposit is available but again the stickiness of the price is there. If you see the 10-year GC is also at a range of 6.9596%.

[00:14:58]So that also increases the cost of the deposit.

[00:15:01]>> One last question before I let you go.

[00:15:03]Uh in FY27 from Bank of India, what should shareholders expect?

[00:15:09]>> No, the shareholders can expect a very good robust growth. uh as a platform we are very strong as a franchise on the both on the processes uh people and the technology part and on the guidance side as I already said that on the top lines will grow very healthy at 15 to 16% on the uh the credit side and also 13 to 14% on the deposit side and apart from that our operational efficiencies ratios which are there they are also like looking very good already we have touched a ROA of 1% in the Q4 that has been very good we are giving a guidance of ROA of 1% for FI27. As far as asset quality is concerned, as I already said that we have come to a very good asset quality with our net NPA at 0.5 says, gross NP at 1.98 below 2%. Credit cost is also very low at 0.48% and our slippage ratio is also as I said earlier at a very low number of83% only. So overall we have a very strong franchise and definitely FI27 will be equally good as it was FI26.

[00:16:12]>> Thank you so much for taking out time and explaining the numbers. With this it's over to you Kavita.

[00:16:44]>> [music] >> Hey, welcome back. Back tuning to buy now sell now. I'm Ankita Sak and with me is Kava Tapl and we are getting you all the action from the market and it's the earnings season that's going on and we have an earnings candidate and the management that's now joining us. NeABA health insurance uh that's posted its quarter four numbers. The stock is up in a way 5 and a half% right now. Uh strong performance led by tailwinds from GST exemption on retail health insurance is what the management is saying. There's significant improvement all across financial parameters and strong growth that has driven uh the loss ratio and the opex ratio that's benefited from the operating leverage. But more on that we're now joined by Vishuinatan uh Mahindra uh who's the executive director and CFO who's from NEA Bupa Health Insurance now joining us. Hi uh good morning uh Mr. Mahindra. Thank you so much for joining us today.

[00:17:44]>> Mr. Mahindra, >> morning and thanks for inviting me to the show.

[00:17:47]>> Yes, Mr. Mahendra. combined ratio has improved sharply uh to 97.4% in quarter 4 from an earlier 102 plus percent. Uh those levels were over the last several quarters. Now how much of this improvement is structural uh and sustainable?

[00:18:05]>> Yeah. No that's a good question and combined ratio is important because it encompasses everything claims expenses.

[00:18:12]uh and just to give you more broader picture if you see our combined ratio for the full financial year FI26 on IFS basis that has improved uh from 103 to 101.4%.

[00:18:26]Uh so 160 basis point improvement driven by majorly uh from expenses side which expenses have gone down by 270 basis point. In fact, loss ratio has slightly inced up by 110 basis point and the reduction in expense ratio generally is very sustainable. So we are very confident that this trajectory of improvement in combination will continue in years to come.

[00:18:53]>> Mr. Mahendra, hi this is Kavita also joining in. uh you know despite expecting loss ratios uh to increase going forward uh uh you are guiding for a combined ratio of 99% by FYI 29 just wanted to know what are the key drivers that will help offset this pressure and in fact support sustained improvement in the combined ratio.

[00:19:16]>> Yeah Kavita so majorly going forward also it will be driven by uh reduction in expense ratio. uh the loss ratio may remains uh in similar vicinity it may inch up by let's say 50 to 100 basis point which is not really concern which is a function of business mix maturity seasoning of book and uh the reduction in combination and we are uh we have mentioned 99% by FI29 and that will be driven by expense ratio reduction which is a function of two three things one is entire operating leverage our business is growing doing uh you have seen last year we grew by 27%, in fact retail grew by 35%.

[00:19:59]And that growth uh is uh you know continuing and uh uh the expenses which is more like overheads they are increasing by uh let's say uh single digit uh which is inflation and second the new renewal mix the renewal expense ratio is uh you know materially lower than over loss ratio as the renewal book is increasing that's something which is also helping us in realizing economies of scale and third is all the investment we have made in technology AI analytics etc. So those are also bearing fruits so these are the two livers which are helping us to uh keep combined ratio under check >> right also uh Mr. Mahindra the retail health the the GWP the gross return premium growth has remained very strong at 39% with market share that has improved to 10.4% 4% what are the key drivers behind this outperformance and how confident are you about the growth sustainability going forward so this is uh mainly driven by all the actions we have taken in last 2 three years which is investment in distribution and all the channels uh you know we are multi- channelannel company uh investment in products technology all those are important levers but most importantly in H2 and if we just divide this uh let's say our retail growth was 35% in H2 which is second half of last financial year post GS GST exemption it was 40% plus and that is because which has really improved the uh you know affordability of people the premium has gone down by 18% and what we have done is we have passed on that uh reduction in uh cost to consumer as is so that's something which has uh in really helped any two things one more lives are coming to fold and second the ticket size both new and renewal people are upgrading there's some issue people are adding more benefits people are adding more add-ons so that's something which is uh helping in and that's continuing by the way >> you know to what extent did GST related tailwinds contribute to recent growth momentum if you could just uh decode that and also how should investors think about uh demanding sustainability and price flex flexibility in the scenario of rising healthcare inflation or you know regulatory changes that we are seeing.

[00:22:34]>> Sure.

[00:22:34]>> So uh one uh data point I can share with you is let's say first half our growth rate on retail side was 28% and which is uh 41% for second half if that's something broadly to go by uh and driven by both uh more lives and higher ticket size uh which I mentioned. Now uh you made a very good point uh about medical inflation. So what we have experienced uh last financial year and which is not very different uh than what we have experienced in last 3 four years medical inflation of 6% or so and uh it's our endeavor to you know make small changes in premium so that uh it is not pinching consumer's pocket. So we generally make uh let's say singledigit increase in premium for all our mature products and that's something which we will continue in next financial year also. So that one it is not really uh uh you know uh pinching our customers. Uh we have seen the large increase let's say uh 14 15% you know dissuade customers to continue uh and there is uh you know issue around persistency. So we will continue to pass on that medical inflation in uh smaller uh you know quantum and as well as uh you know negate this by more like uh upsell cross-ell etc. so which is in the interest of customer so to help them to uh have better coverage rather than just state of increasing premium >> right Mr. If the regulator introduces commission caps, do you believe lower pricing and better affordability can drive faster growth in retail health insurance without hurting the profitability materially?

[00:24:21]>> So directionally as we have seen that uh this GST exemption has helped. So directionally uh you are right in that sense any uh reduction in uh premium will help increase uh increasing the penetration and uh increase the uh uptake of this product. But at the same time it should be that uh uh distributor which is important stakeholder should be really motivated to sell this product and we have really uh to see what is what are the fine prints whenever this uh you know uh uh regulation comes up.

[00:24:58]Uh so then only we'll be able to comment but uh definitely our endeavor is to uh offer the best value proposition to our customers.

[00:25:08]>> Right. One last question to you Mr. Mahindra, before we let you go, uh commission ratios have improved due to favorable distributor negotiations and lower commissions on senior citizen policies while expense ratios have benefited from operating leverage. Uh how much further room exists for efficiency gains and could competitive intensity impact these benefits over the medium-term?

[00:25:32]>> Yeah, I strongly feel uh that we have just scratched the surface. Uh so in terms of penetration of health insurance it is still in low single digit as category. So there is uh really a big room to grow from here and uh with growth in uh GWP growth in topline uh it will uh definitely uh lead to more efficiency more econom economies of scale and operating leverage.

[00:26:02]>> All right Mahindra thank you so much for joining us. It was a pleasure to have you on the show. We'll let you go on that note >> and quickly slip into a short break.

[00:26:11]We'll come back and get all your stock specific questions answered. So start writing into us. We'll come back, get our experts and get your questions answered. So stay tuned.

[00:26:32][music] Welcome back. You're watching buy now sell now. And let's h cut across a very important piece of information. In India's crude oil sourcing pattern saw a sharp shift in March 2026 with Russia emerging as the dominant supplier accounting for over 33% of total imports up from nearly 21% in Jan. Uh even as India's total oil import volumes fell for the third straight month. The average purchase price of crude surged sharply amid the global energy crisis and street of foremost disruptions.

[00:27:16]Ashisha Akuli joins it with all the data. Ashisha take it away.

[00:27:21]>> Well, yes, at a time when global crude oil prices are surging and Prime Minister Narendra Modi has urged citizens to reduce fuel consumption, it is important to take stock of how much oil we import from countries globally and what is the share of each country.

[00:27:35]First up, let's put the spotlight on the oil that is imported country-wise, the top five countries that India imports oil from and Russia clearly is at the top of that list. Now, remember, we imported nearly 20.6% 6% of our total crude oil requirements from Russia in the month of January. This has inched higher to about 33% in the month of March. That's the percentage of oil we imported from Russia as a percentage of total oil imports that have been done by India. Now Saudi Arabia, it stood at about 17% in January and it has fallen to about 11% in the month of March.

[00:28:09]Iraq, UAE and Mongolia, these are some of the other countries, the top five countries we import oil from. And this is the Jan, Feb and March percentage figure that we've put for you on the screens. But clearly Russia is at the top of the list and we imported 33% of our crude oil requirements from Russia in the month of March. Let's also put the spotlight on the total import of oil that has been done by India and what is the quantum and what is the value of that oil that was imported. Now in January we imported about 161 million barrels that came down to about 150 million barrels in February and came down further to about 116 million barrels in the month of March 2026. Now as far as value is concerned uh much in line with the volume the value two has declined from $10.3 billion in January it has fallen to about $9.5 billion in the month of March. So that's the amount and the volume of oil that India imported over the last 3 months. Let's also put the spotlight on the value at which we are purchasing per barrel rate at which India is purchasing oil and clearly Russia supplies oil at a discount to India as compared to other countries. And we put the spotlight on two countries. One is Russia and the other is Saudi Arabia. Now we purchased oil at an average price of about $59.4 per barrel from Russia in the month of January. And on the back of surge in crude oil prices that we have seen over the last few months, this average price has risen from January to March with the average price standing at $84 per barrel in the month of March. So is the case with Saudi Arabia. It of course is at a premium as compared to uh Russia but we bought at about $65.4 per barrel in January which higher to about $104 per barrel in the month of March. And this data is of course only as on March which means that oil prices have escalated further in April and May and that is likely to get reflected in the numbers very soon. So yes uh oil prices are surging and that is likely to weigh heavy on India's current account deficit and these are the five countries that we imported most oil from in the January to March period.

[00:30:18]>> All right. So that's the picture as far as oil on the boil is concerned. the oil price is a reason for concerns for the markets and that has been weighing the markets down today as well and of course those comments from PM Modi but let's get going with the show and get your stock specific questions answered and how should you be really strategizing in a market like this for that uh Goranga is joining us senior vice president go investments is now joining us and Rupak senior technical uh analyst LKP securities on the technicals hi good morning to both of you thank you so much for joining us uh before we get going with the show Gang Let me get a sense on the market because uh you know we have just started the week and we've started on a back foot. The comments that are coming from PM Modi are worrisome and of course the market is reacting to that.

[00:31:05]Uh what in your sense can perhaps play out in the next few months if you will.

[00:31:10]I know it's hard to predict but the crisis are still going on and uh you know every time Trump comes and comments there is a ripple effect on the global economy. uh in your sense what levels should one watch out for and uh when do we see some semblance of stability come into the market?

[00:31:27]>> Thank you so much Ankita for having me on the show. Good morning to all your viewers to you and to entire team. A small disclosure all recommendations that I'll be sharing with you this morning on your show Ankita they are part of our fundamental research team recommendations. uh our company JJ or myself we do not have any kind of personal investments no financial interest no conflict of interest but we share similar recommendations with our clients they might have their investment interest so I think on the markets uh you know that's the big unfortunate part uh every now and then you have some statements or some tweets on truth social by President Trump and uh there is chaos all around and this been happening for quite some time it's nothing new uh unfortunate part is that yes Iran state of Hormuz is the crucial link in the kind of chaos that has been created and by the virtue of whatever we've seen in the last couple of months in form of geopolitical uh situation I think the honorable prime minister made a very humble appeal to the uh people of uh this country and try to reduce wastage and try to curtail certain unnecessary expenses uh etc. to have a lesser or a softer negative impact on the fiscal uh balance sheet of the government. So my sense Ankita is that again we are in that trading zone 23,800 23,900 on the lower side 24,200 to 24,300 on the higher side. earnings in form of Q4 did add a little bit of color on the positive side but back again because of the geopolitical situation and the kind of threats that President Trump has issued via TR social to Iran.

[00:33:17]I think this is going to create a little bit of and not only our markets I think markets globally are you know very much disturbed by this kind of uh uh behavior and the kind of statements that we've heard. So my sense is that maybe you know stock specific sector specific moves will be seen depending upon the uh you know numbers that are unfolding in form of Q4 last financial year. Uh but this broad range still remains in the market and I think we should find some kind of uh lower level buying uh uh at current levels and not to forget FIS were selling last week and domestic institutions were buying. So I think it's a very tricky kind of a situation.

[00:33:55]Rupee is also something that we need to keep our eyes on because it is again getting back to that weakness in the rupee against the dollar after a brief period of stability and strength. I think the rupees again weakening. So all these combinations will definitely add to volatility in the market. But stock specific and sector specific moves will be seen.

[00:34:14]>> All right. [snorts] So let's just guide our viewers for that and uh let's get connected with our first viewer. This is Mr. Kiran from Chennai. Hi. Good morning.

[00:34:23]>> Good morning Ankita. How are you doing sir?

[00:34:27]>> I'm doing well. Hope you are all doing well as well.

[00:34:30]>> All good sir. Thank you for asking.

[00:34:32]>> Yeah sure. Hi uh hi team. So I have invested in three shares. Escorts Mahindra lifespace into reality world pool uh as well. So escorts I have invested around 3,20 rupees. Mahindra life I have invested around 383 rupees.

[00:34:49]>> Wool at the rate of 1,230.

[00:34:52]What I wanted to understand is this good? I mean I can hold this for two more years or even three more years. Two to three years is my holding period even from now. Should I use this opportunity to do a downward average especially in Wool and Mahindra life spice life space is almost more or less at the same price that I bought invested around 2 years back. So should I continue these three or should I sell should I take an exit?

[00:35:20]>> All right. Otherwise your uh whole period is almost 3 years right you just want to understand the averaging strategy into a >> yeah yeah yeah yeah sure sure for long term >> okay uh Gorang would you like to take it ahead which of these counters are in your coverage >> yes uh hi morning to you as well uh Kavita >> good morning >> uh so uh the first of all I'll comment on the sector right uh diversified uh investment uh by this viewer uh gentleman uh Mr. Kiran uh we are a positive coverage on escorts kubotaa as a disclosure from my side the balance to worldpool and mahindra lifepace well we on worldpool we used to cover worldpool but then when our targets were in place we have removed that coverage we have no longer coverage on uh worldpool and we don't we do not cover mandra life but positive on the real estate sector and consumer durable that's where these two companies are associated with so in the real estate space we are positive and Kavita last month number was surprising as far as the registration in city of Mumbai was concerned both residential and commercial one once again Mumbai has clocked at a top number when it comes to registrations in the real estate uh sector uh metro wise Mumbai has done quite good uh positive on DF God properties prestigious state limited and reality uh worldpool from the consumer durable uh we are positive on Blue Star, Volultas and HLS including Symphony. So these are the investment ideas. Uh since there is no specific coverage on Worldpool and Mendra life, I won't be giving specifics.

[00:37:01]>> Right. Um Rupak would you want to come in and give like a technical take?

[00:37:06]>> So u technical chart wise I would say that Walpole is getting support around its 50 days exponential moving average.

[00:37:14]So I think it's a hold and on the other side the other stock which is uh the other stock is >> so Mahindra Escorts >> yeah Mahindra life is witnessing a bit selling pressure I think uh but support is there at 300 so I would suggest uh to hold the stock with the stop loss of 300 till the time it is remaining above 300 I think it is not going to be problem for the medium to long term Next, let's move on and get a question answered from WhatsApp. Uh, this is a WhatsApp question coming in from Sundep.

[00:37:51]He says he's bought thousand shares of Reliance Power at 28 rupees and 30 shares of Dr. Readyy's lab at 1,300 per share. What might be the target for both these shares by May end? Uh, should I hold or should I sell it? Okay, this is a technical uh question coming in.

[00:38:08]Rup, I'll come to you. What are your target prices for Dr. Readyy's lab and uh for Reliance power uh say by the end of this month.

[00:38:20]>> Okay. Okay.

[00:38:21]>> Hold the stock with a stop loss of 1250 because uh till then the stock would remain in a bullish uh zone and on the higher end 1450 and 1500 should be the target in uh next one month. On the other hand, our power has given a uh is forming a flag pattern and once the stock moves beyond uh 30 rupees, the stock is likely to move towards 36. So one month target would be 36 37 and a stop loss should be placed for our power at uh 26 below 26 I would suggest to exit the stock.

[00:38:56]>> Okay. So that's a take coming in in uh Dr. Ed's lab. We move on and this question is uh specifically for u uh uh Gorang and this is Reema from Chennai holding 275 Hyundai Motors uh at 1925 and wants to hold it for one plus years and also holding HDFC Bank at 875 uh wants to average now. Okay.

[00:39:21]Specifically a comment from you on both of these Korang.

[00:39:25]>> Thank you so much for asking that Kavita. So HDFC Bank remains as a preferred investment idea amongst the large cap private sector banks. Yes, there were certain news flows some time back which had actually uh created a little bit of uncertainty in the short to medium-term but I think the uh path or the growth trajectory for financials especially uh uh private banks, public sector banks and strong NBFCs uh are it's very very clear. So hold and you want to average, I would definitely recommend an average. Uh from a long-term point of view on Hyundai Kavita, we like the sector. Uh there are multiple investment ideas in the auto sector. Uh starting with Eminem, Maruti, Tata Motor, commercial vehicles, TVS Motors, Bajage Auto, uh Hero Motor Cop, Aishel Motor, Ashoken, Electra, Green Tech, uh Hyundai. Unfortunately, we don't have coverage. So I wouldn't be in this position to say buy, sell and hold but a relatively strong player uh in the auto sector Hyundai and the numbers were quite encouraging month uh that we've been seeing.

[00:40:39]>> All right um let's move on and get a live caller now. Zenat Koser is joining us from Rantry. Hi Zena, thank you so much for calling us and good morning to you.

[00:40:49]Hi everyone and I would like to extend my greeting to everyone and I'm huge fan of Gorang sir. I want my question to be answered by him.

[00:41:01]>> Sure go ahead and ask your question.

[00:41:03]>> Yes. Uh I want to ask I want to invest in Hindustan composite limited and Hindustan limited for medium to long-term. Should I go for it or uh if not then suggest me two stocks name where I can go for?

[00:41:17]Sure. Hindustan copper and Hindustan composite is what Zenith wants to invest in uh Gorang. Um for a period of up to one year. Uh would you recommend her investing in these two stocks? If not, then uh would you suggest some good names to her?

[00:41:32]>> Well, thank you so much ma'am for all those kind words. It's always encouraging to hear these kind of words.

[00:41:38]Thank you so much for that. Uh well unfortunately uh Ankita we don't have coverage on Hindustan composite or Hindustan copper but she has asked for an alternative investment idea. So if you are looking in the metals uh we have again multiple investment ideas uh she has asked for two of them. So I would possibly suggest uh uh GSW steel uh and uh Hindalco. uh these would be the two preferred investment ideas. Other than this we are positive on Tata Steel uh NMDC, Nalco uh uh Vidant of course now is a split company uh but preferred would be GSW Steel and Indalco >> recommendations by Gorang Zen but let me get a quick tech check from uh Ruper.

[00:42:32]Ruper coming to you. Uh she's asked for Hindustan copper and Hindustan uh uh uh Hindustan copper is what she wanted to invest in. Would you recommend that for the next one year?

[00:42:42]>> Uh as long as it is uh the matter of Hindustan copper, I would suggest to uh buy the stock because the stock has given a flag pattern breakout and it is sustaining our its uh previous uh consolidation high. So on the higher end it might move towards 660 680 in the short to medium term whereas on the lower end there's a support at 550. So I would recommend to hold the stock or buy the stock with a stop loss of 550 for a target of 660 680.

[00:43:12]>> And what about Hindustan composite that was the second stock you wanted to know about Rupak?

[00:43:17]>> So Hint composite has been consolidating. Um so I think somebody uh she should wait for a stock to break out above 480. Above 480 the stock might come into momentum. then it would be a buying opportunity with a stop loss of 460. Currently I should I I would recommend uh to avoid.

[00:43:40]>> So you can avoid Hindu composite but then yeah 480 is the level that you should be keeping on your radar. Let's move on and uh let's take a WhatsApp question and this is coming in from Mr. Vishuanat and he's from Kolur. Uh Rupal I'll come to you. He's holding Solar Vineyards at 282 and S SW solar at 301.

[00:43:58]What's the near-term outlook like? And if at all you want to recommend any stop- loss if uh it's a whole recommendation, >> the solas would be held with a stop loss of 169 because below that the stock might might fall into consolidation and might lose its current momentum and uh if it does not fall below 169 170 then it is likely to move back towards the higher level of 188 195. So volt with the stop loss of 169. The other stock is Solar Industries, right? Right.

[00:44:34]>> Solar. Yeah.

[00:44:36]SW Solar.

[00:44:37]>> Solar Industries.

[00:44:40]>> SW Solar. Rupak.

[00:44:42]>> Sorry. SW.

[00:44:48]>> So, uh the stock has found a resistance uh around its 200 days moving average which is placed around uh 224 225. And the time it is remaining below 225 I don't think the bulls will come in a large number. So hold the stock with the stop loss of 206. Below that I would suggest to exit.

[00:45:11]>> Okay let's move on then to a live caller who's joining us Lakhan Kumar uh who's joining us from Bangalore. Hi uh Lakan thank you so much for calling us. Good morning to you. Tell us what's your question.

[00:45:21]>> Good morning ma'am. Uh uh I hold 1,000 uh Modafon idea shares for long-term.

[00:45:33]>> Okay. What was it buying?

[00:45:34]>> At the at the rate of 8.60.

[00:45:38]>> Okay. And how long are you willing to hold this?

[00:45:41]>> Uh 3 to 4 years.

[00:45:43]>> Okay. Gorang, let me come to you. He's holding Bodafone Idea. Um he's bought it at a buying price of 8.6 rupees. He's sitting at a profit right now. what should be strategy uh you know given that uh relief coming in from the AGR's front and uh I mean there has been a lot that has happened on vodafone idea uh but for the next two to three years that he's willing to hold it for would you recommend it >> lankita I do agree that there is a lot that has happened inafhun idea but the unfortunate part is that despite of whatever has happened there is a large amount which is sitting on the balance sheet on the debt Right? So how are you going to service that? And more importantly, I think that staggered payment which has been now in principle approved uh how are they going to make that payment? Point number three, every month when the subscriber base number comes for cellular service provider companies, whatafon ID is the one which is on the losing side and Bartiel and Jio are on the gaining side. We don't have specific coverage. uh and I hope you know seriously Ankita I really hope that I am absolutely of the opinion that you cannot have a Dupoli in a country like India where you have a huge subscriber base. uh so there is necessity for more players and a level playing field with competitive advantage being given to the consumers in form of tariffs whatever has been available but the third service provider that is vodafon idea has a very weak balance sheet and I don't know whether in next 2 years or 3 years the balance sheet will do wonders and of course you know start uh registering or ringing in cash registers uh we don't have specific coverage on of an idea. So I won't give any specific maybe Rupak may be in a position to answer this more clearly but we are positive on the sector that is cellular service provider companies. We are positive on Bartiel and Reliance Industries because geom mobility business is as of now under Reliance Industries balance sheet. So we are positive on these two names.

[00:47:50]>> All right let's move on. The other WhatsApp question is coming in from Nessima and he's from Hyderabad. Bought KN&R constructions at 167.4 4 Ashok at7 uh short-term strategy Robak I'll come to you >> uh so K can be held with the stop loss of 125 because uh the I can see the stock has been making high top high bottom formation so uh the chart stock has a ascending chart pattern uh 125 should be the stop loss and on the higher end uh the target might be uh 144 150 in the short term whereas on the other hand also clayland uh looks a bit bearish the stock has a support at 159 uh which is 20 days moving average below 159 the stock might move uh into bears grip so I would suggest to hold the stock with a stop loss of 159 u and exit below that level >> okay let's move on then um let's move on to the next Question that is [clears throat] coming from Shri Shriram Raguraman from Chennai. He says uh is it the right time to enter Lenskar at current valuations? Okay. Uh Rupak coming to you Lenskart. Is this the right time to enter this uh specific stock? Uh uh I mean in the last 1 month it has corrected quite a bit. Uh right time to enter.

[00:49:16]>> So last uh 3 4 months has been u a consolidation phase for the stock. The stock has been moving oscillating within the band of 550 and 470. So currently if the stock is trading near its support level of 470, I would suggest to buy the stock with a stop loss of 470. On recovery the stock might move towards 550 kind of level once again.

[00:49:42]>> Right. So that was about lens and with that it's wrap up on the show also.

[00:49:45]Thank you so much Gorang and Rupak for taking time out and helping our viewers with stock specific questions. Thanks.

[00:49:50]Have a nice and with that it's a wrap on this edition of buy now sell now but a short break and post that we'll get you markets at noon. Stay tuned.