We are dealing in pre ipo stocks, portfolio management services, instant loan, mutual funds, NCD, DMAT and insurance like life, health, motor and general insurance.
(i) Capital Small Finance Bank Limited, India’s 1st Small Finance Bank, started operations on April 24, 2016. It was called ” Capital Local Area Bank”, the largest Local Area Bank in the country, before conversion to ‘Small Finance Bank’ has been into operation for the last 16 years with excellent performance in all spheres.
(ii) The Bank pioneered in bringing modern banking facilities to the rural areas at a low cost. From day one 7-Day Branch Banking was introduced with extended banking hours. The focus to serve the common man and the local touch advantages has given the Bank a competitive edge over other banks operating in the region. Within a short period, most of the Branches become market leaders of their respective centers. The Bank is providing a safe, efficient, and service-oriented repository of savings to the local community while reducing their dependence on moneylenders by making need-based credit easily available.
(iii) The Bank transitioned from a Local Area Bank to Small Finance Bank with 47 Branches. In a short span of two years, 78 new Branches have become operational, taking the total number of Branches to 125. After establishing a strong footprint in the state of Punjab, the Bank has now started expansion to the states of Delhi and Haryana. By March 31, 2021, the number of Branches will grow to 250.
(iv) Capital Small Finance Bank has been granted Scheduled Status by the Reserve Bank of India vide Notification dated February 16, 2017.
(v) The total business of the Bank at present has crossed Rs. 5,860 crores with more than 5,80,000 accounts. The Bank has 80% of its business in rural and semi-urban areas, with Priority Sector Lending of 99.30% of the Adjusted Net Bank Credit as of March 31, 2018.
Financial Performance of Bank:
(i) The Bank is growing at an exponential pace. The Compounded Annual growth (CAGR) for the last three years ended on March 31, 2019, in Deposits at 24.18%, Advances at 38.01%, Total Business at 29.41%, and maintaining CASA at 38.39% as of March 31, 2019, is depicting strong performance all around.
(ii) The operating profits are showing a healthy growth rate. There is exponential growth in branch network from 47 from the eve of conversion to 129 as of March 31, 2019. The Bank has expanded its branch network as part of a calibrated strategy to enhance branch network aggressively in the first couple of years of post-conversion to small finance banks and that too in larger centers so they can able to grow business rapidly.
(iii) The present exponential growth in branch expansion has increased the operating expenditure of the bank which has resulted in almost similar Net Profit in FY18-19 than the previous year despite healthy growth in business i.e 28.65% growth in Deposits and 40.79% growth in advances.
(iv) The Bank has taken this calibrated call of first expanding branch network in major industrial hubs of the states to boost its CD ratio and later enhance the penetration into tier II and III cities. A branch typically takes around 18-24 months to become profitable and in the next year i.e 2019-20, a decent number of newer branches shall become profitable which is going to boost its profitability big time.
(v) Going forward, the focus is going to shift to improving margins and enhance presence in tier II and tier III cities so that the branch network gets a complete fillip. The Business Plan of the Bank clearly depicts the focus turning on improving the bottom line, profitability, and return ratios for the next couple of years.
The company is the retail initiative of the reliance group and is central to consumer-facing businesses. In a short time, it has forged strong and enduring bonds with millions of consumers by providing them with an unlimited choice, outstanding value proposition, superior quality, and unmatched experience across all its stores, which has played a huge role in enhancing the Market share of the company.
The company has adopted a multi-prong strategy and operates a chain of neighborhood stores, supermarkets, wholesale cash & carry stores, specialty stores, and online stores and has democratized access to a variety of products and services across diverse segments for Indian consumers.
Deep insight into India’s economic, cultural, and consumption diversity drives the company’s vision in the retail universe. The operating model is based on customer-centricity while leveraging common centers of excellence in technology, business processes, and supply chain. More importantly, it has built a strong and unwavering foundation through its extraordinary people. The nationwide network of retail stores offers a world-class shopping environment and unmatched customer experience, benefiting the Reliance Retail Share Value.
Reliance Retail has adopted a multi-prong strategy and operates a chain of neighborhood stores, supermarkets, wholesale cash & carry stores, specialty stores, and online stores and has democratized access to a variety of products and services across diverse segments for Indian consumers.
(i) Serving the food and grocery category Reliance Retail operates Reliance Fresh, Reliance Smart, and Reliance Market stores.
In the consumer electronics category Reliance Retail operates Reliance Digital, Reliance Digital Express Mini stores, and Jio stores,
In the fashion & lifestyle category, it operates Reliance Trends, Trends Women, Project Eve, Reliance Footprint, Reliance Jewels, and AJIO.com in addition to a large number of partner brand stores across the country.
(ii) The operating model is based on customer-centricity while leveraging common centers of excellence in technology, business processes, and supply chain. More importantly, it has built a strong and unwavering foundation through its extraordinary people. The nationwide network of retail stores offers a world-class shopping environment and unmatched customer experience.
(iii) Reliance Retail has emerged as the partner of choice for international brands and has established exclusive partnerships with many revered international brands such as Diesel, Superdry, Hamleys, Ermenegildo Zegna, Marks and Spencer, Paul & Shark, Thomas Pink, Kenneth Cole, Brooks Brothers, Steve Madden, Payless Shoesource, Grand Vision and many more.
Religare Enterprises Limited is Ranbaxy Laboratories Limited promoted financial product and service provider company.
Religare provides its service in three different segments including Retail, Wealth management, and the Institutional spectrum. It offers a wide range of services including equities, commodities, insurance broking, wealth advisory, portfolio management services, personal finance services, investment banking, and institutional broking services. Religare retail network spreads across more than 900 locations across more than 300 cities and towns in India.
Religare businesses are operated through its 10 subsidiaries. Religare major business includes:
2. Religare Finvest Limited (RFL) - Involve in personal credit (such as loans against shares (LAS), and personal loans), distribution of mutual funds, wealth management, IPO financing, and corporate finance services.
4. Religare Insurance Broking Limited (RIBL)-Insurance broker to distribute products and services of life insurance companies, non-life insurance companies, and re-insurance businesses.
People who wonder where Religare word came from, it's a Latin word meaning 'to bind together.
Health Insurance Sector:
(i) The total size of Health Insurance in India stands at 50,891 Crores in FY 18-19, up by 18.3% from last year. There are three categories of health insurance providers in India.
a) Public Sector Institutions (53% market share)
b) Private Institutions (~23.5% market share )
c) Stand-alone insurers (~23.5% market share )
However, in terms of retail policies, Stand Alone Health Insurance Companies (SAHI) have the biggest share of 44%. and Religare Health Insurance falls under this category.
(ii) Care Health (Previously Religare Health) Insurance is a SAHI and ranks number 6 overall and number 3 in GDP.
(iii) Care Health (Previously Religare Health) Insurance is servicing over 700 locations across the country with a network of 110 plus branches and 9,450 plus hospitals. It has a product bouquet of 18 products encompassing group, travel, and fixed benefits to serve varied customers.
(iv) The company is highly customer-centric with a low grievance rate of two complaints per 10,000 policies and has a claim settlement ratio of 93%. The combined ratio of the company stands at 97%. RHI has also won various awards like – ‘Best Claims Service Provider of the Year’, ‘Bancassurance Leader of the Year 2018’ by Insurance India Summit & Awards 2018, ‘India’s Most Preferred Travel Insurance’ by IMP Travel Brand Awards 2018, etc.
(v) Care Health (Previously Religare Health) Insurance is marketed by a team behind the hospital chain known as Fortis Health Care. It is one of six standalone health insurers in India.
Tata Technologies is a global leader in engineering services outsourcing and product development IT services to the global manufacturing industry; enabling ambitious manufacturing companies to design and build better products. A company of innovators, specialists in the design engineering space, who apply cutting-edge technology to provide a competitive advantage to customers in the manufacturing sector.
The company is a strategic partner for developing complete vehicles, engineering subsystems, and components, managing the New Product Introduction (NPI) process through collaborative engineering tools, such as Product Lifecycle Management (PLM), and tying together information created and used throughout the extended manufacturing enterprise.
Tata Technologies is headquartered in Singapore, with regional headquarters in the United States (Novi, Michigan), India (Pune), and the UK (Warwick) with a combined global workforce of more than 8,500 employees serving clients worldwide from facilities in North America, Europe, and the Asia-Pacific region.
History of Tata Technologies
Tata Technologies is found under the Legacy of Trust of Tata Group in 1989. Since 1989, Tata Technologies’ professionals have been contributing engineering and design services to the world’s leading manufacturers.
INCAT– It was based in the UK and was developing a reputation as a world leader in engineering and design staffing to the world’s top automotive OEMs.
Integrated Systems Technologies (IST)– It was developing as North America’s fastest-growing and most forward-thinking systems integrator and Product Lifecycle Management (PLM) software solutions provider.
In 1998, INCAT and IST merged to form INCAT International, a global product solutions and services provider serving the automotive and aerospace industries worldwide. In late 2004, INCAT plc became a publicly traded company on the London Stock Exchange and, within a year, was acquired by Tata Technologies.
That move created a unique global provider of Engineering Services Outsourcing (ESO), Product Development IT services, and PLM solutions with combined expertise, resources, and experience that are unequaled in the industry.
The Year 1989
Tata Technologies is founded as a business unit of Tata Motors.
INCAT formed from existing European and North American companies.
The Year 1994
Tata Technologies spins off as an independent business unit, headquartered in Singapore.
The Year 1996
Tata Technologies commencing operations in India.
The Year 1997
Wins Tata Motors E&D and IT outsourcing engagement.
The Year 2003
Moves India operations to new world-class, state-of-the-art campus Pune Infotech Park
The Year 2005
Tata Technologies acquires 100% of INCAT International UK, expanding the global footprint.
Products of the Company
1. Autodesk: Autodesk makes software for people who make things. If you’ve ever driven a high-performance car, admired a towering skyscraper, used a smartphone, or watched a great film, chances are you’ve experienced what millions of Autodesk customers are doing with Tata Technologies software. Autodesk is the leader in 3D design, engineering, and entertainment software.
The book, Options Writing Strategies for Extraordinary Returns is written by David Funk. The book is superbly written and is about call-and-put option writing techniques that can be used by investors so that they can make profits from the market irrespective of the direction the market is moving in. The book has options writing strategies for selling options short, tips to use charts and tables, and then helps investors to buy stocks by building a three-legged model.
Apart from these techniques, there are some additional amazing features in this book for options writing strategies. The investment strategies in the books are extremely sophisticated and as they are written in a simple and clear way, they can be understood by all very easily. The strategies reduce the risk that the investor faces in the market and thus, help them to increase their earnings from the market. Irrespective of the way the market swings, all investors can easily use the strategies and invest amicably and earn profits.
Option Trading Strategies For Long Term Investors The book also lists the option tools that are available online and also the step which the investors can take to take advantage of the volatility in the markets.
All the features in the book are very useful for all investors as it helps them to know of all the options writing strategies using which they are able to invest in a much better way and earn more profits of the market. The content of the book is written in a concise and clear way which makes it easy for everyone to read. The way it has been taught to make the strategies in the book is excellent and thus, provides benefits to all investors who read the book. The book helps the investors to deal with the stubborn situations of the market.
Options trading is typically associated with three different investor types. There are hedging strategies employed by large institutional investors, income-producing strategies for cash flow investors, and more aggressive trading strategies favored by speculators.
But where does the long-term investor fit in? Are there any option trading strategies that the conservative investor can employ to enhance his or her long-term returns?
In fact, there are.
Here are just two examples:
Example #1 - Writing Covered Calls. Writing covered calls is a popular, and generally conservative, income-producing strategy. A call option gives the holder the right, but not the obligation, to purchase 100 shares of the underlying stock at a certain price (strike price) by a certain date (expiration date).
Conversely, when you write or sell, a call option on shares that you own, you sell (you receive a premium in the form of cash) someone else the right to purchase your stock at a certain price at or prior to the expiration date. If you own 100 shares of a stock trading at $28/share, you could write a $30 covered call expiring in one month. If the stock closes above $30/share, you'll be obligated to sell your shares for $30/share. But if the stock closes at or below $30/share, the call option will expire worthlessly and you're free to repeat the process. Either way, the premium received is yours to keep.
Writing covered calls is a great way to generate additional income from your investments, but the long term investor must take extra precautions to avoid being called out and forced to sell his or her long term holdings (I call one such precaution, The 1/3 Covered Call Writing Strategy--it basically consists of writing covered calls on only a portion of your portfolio in order to give yourself greater flexibility and protection against sharp moves higher by the stock).
Example #2 - Writing Puts to Acquire Stock at a Discount. A put option, in contrast, gives the holder the right, but not the obligation, to sell 100 shares of the underlying stock at a certain price by a certain date. When you write or sell, a put, you're essentially insuring someone else's shares against a drop below the agreed-upon strike price.
Leveraged Investing
There are actually a number of option trading strategies that can be employed by the long-term investor. Leveraged Investing is the name I've given this approach, and these are the strategies I use myself.
The point of Leveraged Investing is to use options to acquire stock for a discount and then to generate additional returns above and beyond the actual performance of the stock itself.
Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants, and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited that owns the brand Paytm is founded by Vijay Shekhar Sharma and is headquartered in Noida, Uttar Pradesh. Its investors include Softbank, Ant Financial, AGH Holdings, SAIF Partners, Berkshire Hathaway, T Rowe Price, and Discovery Capital.
Vijay Shekhar Sharma, Founder & CEO of Paytm and One97 Communications Limited together own Paytm Payments Bank, the country's largest digital bank with over 58 million account holders. Working on its mission to bring un-served & under-served Indians under the formal banking system, it has made banking accessible & convenient to people across the country through innovative use of technology.
Its wholly-owned subsidiary 'Paytm Money' has achieved the distinction of becoming India's biggest investment platform within its first year, and is now one of the largest contributors of new Systematic Investment Plans (SIPs) to the Mutual Funds industry; it has already received approvals to launch Stock Broking, Demat Services and National Pension System (NPS) services, and strives to continue to broaden the financial services and wealth management opportunities to the unbanked and underserved Indians.
Paytm First Games, which is another group company (a joint venture between One97 Communications Ltd and AG Tech Holdings), has quickly become India’s go-to gaming and stay-at-home entertainment option for millions of users across the country. The platform caters to all types of gamers with an exhaustive array of games for amateurs as well as esports for gaming pros.
Paytm Insurance is a wholly-owned subsidiary of One97 Communications Ltd (OCL) and has secured a brokerage license from IRDAI. It offers insurance products to millions of Indian consumers across four categories including two-wheeler, four-wheeler, health, and life. The company aims to simplify insurance and create a seamless, easy-to-understand online journey for its customers.
Paytm share price has surged in the unlisted market following the announcement of the company’s initial public offering (IPO). Paytm stock has almost doubled in the unlisted market to up to Rs 24,000, according to the people who deal in shares of unlisted companies. Paytm shares in the unlisted market were trading at Rs 11,000-12,000 per share before the IPO news. In just five days after the IPO news, the share price rose to Rs 21,000, according to the dealers.
Earlier, last week, Paytm received in-principle approval from the company’s board to raise around Rs 22,000 crore through IPO during the October-December quarter this financial year. The company expects to raise around Rs 21,000-22,000 crore from the IPO, news agency PTI quoted a source as saying.
