Capital Small Finance Bank Unlisted Shares | Planify

(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.

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Reliance Retail Limited Unlisted Shares | Planify

Reliance Retail Limited Overview

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.

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Religare Health Insurance Pre IPO | Planify

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:

1. Religare Securities Limited (RSL) - Stock Broker.

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.

3. Religare Commodities Limited (RCL) - Commodity Broker.

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.

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Tata Technologies Limited Unlisted Shares

Business of Tata Technologies

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.

2. CAD Solutions

3. INDUSTRIAL DESIGN & VISUALIZATION

4. Products Innovation Platform

5. Data Management

6. Simulation

Services of the Company

1. Engineering Research and Development

2. Product Lifecycle Management

3. Connected Enterprise IT

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How to become crorepati using option writing strategies

Options Writing Strategies

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.

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Paytm Pre IPO Review & Analysis | Planify

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.

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What is Value Investing I Planify

What Is Value Investing?

Value investing is a type of investment strategy in which investors act like bargain hunters looking for a deal. Value investors actively look for companies that are undervalued by the stock market.

When an investor finds a company they feel is undervalued by the market, they make their move to invest. But, to get to that point, the investor must be confident that the company will provide returns that outperform their current market valuation over the long term.

Finding The Intrinsic Value Of A Stock

Value investing may sound like a great strategy. After all, who wouldn’t want to buy undervalued companies for substantial investment returns?

But knowing what to look for in an undervalued stock is an important piece of the puzzle. As a value investor, you aren’t looking at the media when making your valuation decision. Instead, you're drilling down into the financials of a company to determine its intrinsic value. 

Fundamental analysis of the company’s finances can illuminate the intrinsic value of a stock to investors that are willing to dig into the information. Although this will require some effort, it's a key component of successful value investing. 

How To Get Started With Value Investing

Value investing can feel like bargain hunting in the stock market. If you can determine the true value of a company, you’ll know whether or not the current market price is accurate. Essentially, this presents the opportunity to buy stocks on sale.

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Anand Rathi Review 2020-21 | Unlisted Shares - Planify

Anand Rathi Wealth Services Unlisted Shares

1) They are one of the leading non-bank wealth management services firms in India that caters to a large spectrum of clients through a mix of advisory, distribution, and technology solutions. They are one of the few wealth management companies in India that cater to clients across mass affluent, HNI as well as the Ultra HNIs through various solutions ranging from personal service to technology and Robo-advisory.

They carry out their business through three business verticals, namely;

a) Private Wealth Management (“PWM”)-

They provide wealth management solutions to their clients which include facilitating client investments in various financial instruments including but not limited to, mutual funds, debentures, structured products, and equity derivatives for the purpose of investment strategies. PWM vertical caters to the Ultra HNI and HNI segments of the clientele. The revenue-generating activities include distribution of mutual funds, sale of financial products, and investment advisory fees.

b) Digital Wealth Management (“DWM”)

The DWM vertical allows them to build an economically feasible wealth management model for services to the mass affluent market.

c) Omni Financial Advisors (“OFA”).

OFA is India’s leading tech platform for IFAs to service their clients and grow their business.

2) They are part of the Anand Rathi Group, founded by Mr. Anand Rathi and Mr. Pradeep Gupta in the year 1994 with a focus on stock-broking services and subsequently, has expanded into a diversified financial services conglomerate in the country with a presence in segments, including non-banking financial services, wealth management, stockbroking, investment banking, and insurance broking. The Anand Rathi Group has expanded its geographical footprint and operates through 98 offices across India and the Middle East, which they service through business associates and representative offices/associate companies.

3) The Asset under administration (AuA) of the company has jumped from.15,489 crores to Rs.18,121 crore between the end of FY18 and FY19. The number of wealth strategists has increased from 199 in the previous year to 234 at the end of last year.

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What is returns of Money Back Plans - Planify

Guaranteed Return Plans: How investing online can earn you better returns

Amidst the fluctuating market scenario and low-interest-rate environment, people are in search of products with a promise of guaranteed returns. Over the last few years, there has been a significant drop in the interest rate offered by banks on fixed deposits which have put financial planning, especially of the middle-class Indian, at great risk. The rate reduction in interest given on bank deposits has greatly impacted the financial planning of millions of households.

For Indian investors, short-term market volatility is not a matter of great concern as they mostly prefer long-term investment products. The actual risk lies in falling woefully short of the required corpus for one-time expenses like a child’s education, marriage, or even own retirement. For unprecedented times like these, life insurance products that offer guaranteed returns are the best solution. It is always important to have clarity on the amount of return expected after a fixed period of time. Moreover, the life protection element under these products ensures that even if the policyholder dies, the dependents will always get the promised money.

Guaranteed Return Products

Considering the ongoing market scenario, the time is right for customers to understand and evaluate alternate investment options. One such category of products that customers must make a part of the investment kitty is Guaranteed Returns Plans that promise guaranteed returns, irrespective of the changes in market conditions and interest rates. Guaranteed Returns Plans come with a ‘life protection’ component that makes these plans better than the rest in the niche.

In comparison to bank FDs, guaranteed return products offer better returns on a tax-adjusted basis. Apart from a promise to give a fixed return, these plans also come with the guarantee of payout in case of the sudden demise of the policyholder. With these plans, there is nothing left to chance when it comes to accumulating an adequate corpus and providing financial protection to your family. A guaranteed return product also gives you an initial tax benefit, fixed and tax-free returns, and a life protection cover. When the life assured dies during the term of the policy i.e. before dating of maturity, proceeds under the policy are payable as a claim to the nominee.

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Studds Accessories Unlisted Stock Price | Planify

STUDDS ACCESSORIES LTD | LATEST SHARE PRICE & UPDATES

Company Overview

Studds Accessories Ltd was incorporated in 1982 in Haryana, India with an initial capital of Rs.500 which now stands at Rs.9.83Crs.

Studds is the world’s largest and leading manufacturer and exporter of 2 wheeler helmets and accessories.

Studds manufactures more than 50 types of helmets catering needs of all kinds of customers across the globe. Besides helmets, it also manufactures motorcycle accessories i.e spare visor, luggage, gloves, helmet security guards, rain suits and eyewear, boxes, etc.

The company with its 2 major brands i.e STUDDS & SMK (premium brand). It manufactures all ISI-certified helmets.

Studds is one of the few companies in the international market whose facilities have been granted major safety certifications such as BIS certifications IS: 4151 (for motorcycle helmets) and IS: 2925 (for industrial helmets), ECE 22.05, and SLSI certifications, required for exporting its products to international markets.

Revenue Model

(a) The company sells a helmet in the range of Rs.825 to 2165 under the brand name Studds having a market share of 25% as of FY18.

(b) The company sells a helmet in the range of Rs.2300 to 9800 under the brand name SMK having a market share of 27.79% as of FY18.

(c) Apart from selling a helmet the company also in the business of Motorcycle Accessories like Jackets, Gloves, glasses, etc.

(d) 90% of the Revenue comes from the Helmet division and 10% comes from Motorcycle Accessories.

(e) 92.3% of the business comes from the Domestic Market and the rest 7.97% comes from exports.

Business Highlights

1. Despite challenges in the market Studds have performed well and the top line grew by 10.85%. Besides, growth in the top line, the operating EBIDTA grew at 41.16% and the PAT grew by 81.05% from the preceding year.

2. This year Studds has made significant investments to develop a world-class R&D facility, backward integration by manufacturing EPSL in the plant, with an endeavor to improve the quality of the products and meet stringent safety standards.

3. During the year, the company has stepped up efforts to improve relations with its dealers and distributors and it helped to significantly increase its market share. As of 31st March 2020, the network of 385 dealers is spread across the globe and 7 EBO’s in India.

4. This year the company has launched new products i.e. Titan Fiber, Titan Carbon, Sub Urban. They are planning to further bolster the segment with the launch of riding gear, jackets, armors, elbow guards, knee guards, and shoes.

5. This year company has sold 66.5 Lakhs (Domestic + Global) and globally has a Domestic market share in Two Wheelers helmets of 25.66%.

For More Information watch this video :

Reliance Retail Limited Pre IPO | Planify

Reliance Retail Limited Unlisted Shares

Reliance Retail Limited Overview:

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.

(i) Reliance Retail is the retail initiative of the Reliance group and is central to consumer-facing businesses. It has in a short time forged strong and enduring bonds with millions of consumers by providing them an unlimited choice, outstanding value proposition, superior quality, and unmatched experience across all its stores.

(ii) 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.

(iii) 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.

(iv) 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.

(v) 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.

For More Information Watch this video : 

Five Star Business Finance | How to Invest | Planify

Five-Star Business Finance Limited Unlisted Shares

Formed in the year 1982, Five Star is a non-Banking Finance Company (NBFC) with the Reserve Bank of India (RBI), specialized in providing financial services to address the needs of the unbanked, and unserved segment, funding the people who were perceived to be non-fundable. The customers include all the way from small shop owners, flower vendors, maids, masons to small and medium enterprises that form the backbone of India’s economy.

The focus area of the company is to strike its operations to more and more under-served self-employed and Small Business customers and help them access credit on reasonable terms by opening more branches in the semi-urban/rural areas.
The company has one wholly-owned subsidiary called Five-Star Housing Finance Private Limited which was incorporated on 28th September 2015, registered with the National Housing Bank (NHB) as a non-deposit-taking Housing Finance Company (HFC).

Five Star provides Small business loans to meet borrower requirements for commencing new businesses, expansion of his/ her existing businesses, and settling any unorganized dues he/ she has taken to further their businesses. The loans are given based on the company’s evaluation of the borrower household cashflows coupled against the security of the borrower’s house collateral.

The typical loan ticket ranges between Rs 1 lakh to Rs 10 lakhs for a tenure between 24 and 84 months. The repayments are to be made on a monthly equated basis.

What makes Five-Star business robust

A) Mortgage property to give loans:

The company follows a business model, where lending to potential borrowers is secured by the twin factors of strong business income and emotionally attached property. The income of the borrower secures the loan during good times while the property mortgaged secures the loan during difficult times. The right combination of income and property has helped and continues to help the company maintain its asset quality even during difficult times like demonetization, implementation of GST, recent liquidity challenges, etc.

B) Robust Capital Structure:

Five Star has manageable leverage, leading to a healthy D/E ratio. Despite regulatory guidelines allowing for a much higher cap, the company never crossed 3.5 – 4x of leverage, which gives a lot of comfort to lenders.

C) Asset-Liability Mismatch:

The company over the years has maintained a steady Asset-liability mismatch. Many times to increase the Net Interest Margin of the company, the management tries to get loans for a shorter duration- which means at a lower cost and lend for long-term. This creates a problem during difficult times, and the perfect example is DHFL, where due to the Asset-liability mismatch, the NBFC with more than 1 Lakh Crores of loan book got burst.

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Martin and Harris Laboratories Pre IPO Review & Analysis | Planify

MARTIN AND HARRIS LABORATORIES | LATEST SHARE PRICE & UPDATES  

Company Overview

Martin & Harris Laboratories Ltd incorporated in 1996 at Gurgaon, Haryana is a part of “Apeejay Group”, India’s oldest and largest business conglomerates. Martin & Harris Laboratories Ltd is engaged in the manufacturing of pharmaceutical, medicinal chemical & botanical products. Besides the core business, it was undertaken the management of its funds through investment in different avenues fetching good returns i.e mutual funds, equity – quoted & unquoted, etc.

The company has its units located at Roorkee and UNA Himachal Pradesh. It is constantly taking steps to modernize and expand its manufacturing units to meet international standards.

Martin & Harris Laboratories Limited is a manufacturing arm of  – One of India’s most well-renowned pharma companies. Walter Bushnell is also a part of the Apeejay Stya & Svran Group of companies.

It provides – bactericidal antibiotics, Parkinson's disease, vaginal infections, antispasmodic drugs, fertilization medicines, progestin medication, vitamin medicines, anabolic steroids, hormonal medicines, ovulatory stimulants, etc.

SUBSIDIARY COMPANY: “Delite Infrastructure Pvt Ltd”

Delite Infra is a wholly-owned subsidiary of Martin & Harris Laboratories Ltd. It is engaged in the business of Derivatives (F&O) trading, office rental income, investment income, and gain in the sale of shares.

Key Highlights of Martin & Harris

• Book Value is increasing at a CAGR of 36% from the last 6 years.
• Debt Free Company
• PE multiple of 4 makes it the best choice to invest
• Share Price of Martin & Harris is trading below the book value makes it attractive
• 2 new plants ensure future growth of the company

The company has its units located at Roorkee and UNA Himachal Pradesh. It is constantly taking steps to modernize and expand its manufacturing units to meet international standards.

The Company has been awarded “Best Innovative in process & formulation development” by the director-general of health service, ministry of the health & family welfare, Government of India. Has also received “Pharma Excellence Awards 2018” by apex industry chamber ASSOCHAM.

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Anand Rathi Review 2020-21 Unlisted Shares - Planify

1) They are one of the leading non-bank wealth management services firms in India that caters to a large spectrum of clients through a mix of advisory, distribution, and technology solutions. They are one of the few wealth management companies in India that cater to clients across mass affluent, HNI as well as the Ultra HNIs through various solutions ranging from personal service to technology and Robo-advisory.

They carry out their business through three business verticals, namely;

a) Private Wealth Management (PWM)

They provide wealth management solutions to their clients which include facilitating client investments in various financial instruments including but not limited to, mutual funds, debentures, structured products, and equity derivatives for the purpose of investment strategies. PWM vertical caters to the Ultra HNI and HNI segments of the clientele. The revenue-generating activities include distribution of mutual funds, sale of financial products, and investment advisory fees.

b) Digital Wealth Management (DWM)

The DWM vertical allows them to build an economically feasible wealth management model for services to the mass affluent market.

c) Omni Financial Advisors (“OFA”).

OFA is India’s leading tech platform for IFAs to service their clients and grow their business.

2) They are part of the Anand Rathi Group, founded by Mr. Anand Rathi and Mr. Pradeep Gupta in the year 1994 with a focus on stock-broking services and subsequently, has expanded into a diversified financial services conglomerate in the country with a presence in segments, including non-banking financial services, wealth management, stockbroking, investment banking, and insurance broking. The Anand Rathi Group has expanded

its geographical footprint and operates through 98 offices across India and the Middle East, which they service through business associates and representative offices/associate companies.

3) The Asset under administration (AuA) of the company has jumped from.15,489 crores to Rs.18,121 crore between the end of FY18 and FY19. The number of wealth strategists has increased from 199 in the previous year to 234 at the end of last year.

Business Performance in 2018-19

a) During the financial year 2018-19, the total income of the company was at Rs. 280.6 crore as against Rs. 219.3 crore in the previous year recording a growth of 28%.

b) Incommensurate with an increase in revenue and total expenditure also increased by 26% from Rs. 147.97 crore in FY18 to Rs. 187.04 crore in FY19.

c) During the year under review, with much higher growth in revenue versus expenditure, the company’s before tax increased nearly 31 % to Rs.95.5 crore and profit after tax by 29.62% to Rs. 65.2crore.

d) Total number of Financial Strategists has increased from 199 in March 2018 to 237 in March 2019.

e) Total asset under administration (AuA) has increased from Rs. 15,489 crore to Rs. 18121 crore between the end of FY18 and FY19.

f) During the year Three Off-site conducted (Including Two International Offsites).

g) No. Of relationships (active client families) has increased from 3235 as of 31 March 18 to 4208 as of 31 March 19.

h) Increase in team size increased from 392 as of 31 March 2018 to 572 as of 31 March 2019.

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Frequently Asked Questions about Pre IPO | Planify

 What are Pre-IPO shares, Unlisted and De-listed Shares?

(i) Pre IPO Shares: Every company needs funds to run the business. Funds are raised via debt or Equity. When funds are raised via Equity, the investors who are investing in the company want a good return on their investment. Let us suppose investors have invested Rs.500 Crores in the company. Now after 5 years they want to take exit and hand over company shares to other investors. So accordingly, the company plans for IPO to give exit to these investors, and generally, such information comes in media. Before the launch of such IPOs, we at Planify arrange Pre-IPO shares for our investors.

Benefits of Pre IPO Shares: These days, due to more awareness via social media/news-papers/news channels, IPOs receive a lot of attention and good IPOs are subscribed heavily. Therefore, getting a single lot in IPO is very difficult. Here, the Pre-IPO shares play a vital role. You can purchase these shares well below the IPO price before it actually launches on exchanges and gets the maximum benefit. The only lacuna in Pre-IPO shares is that there is a lock-in period of one year. It means you can’t sell stocks before one year from the date of listing. However, we at Planify consider that this should not be an issue because it is a well-known phenomenon that equity always rewards its investors who invest for a longer duration. Ex: Nazara Tech, Barbeque Nation, Studds, Chennai Super Kings, HDB, UTI AMC, Fino-Paytech, Suryoday Small Fin Bank, Utkarsh SFB, etc.

(ii) Unlisted Shares: Unlisted shares simply mean which is not listed on National stock exchanges like NSE or BSE and they don’t have nearby plans for IPO. There are a lot of good companies in the unlisted space which gives a very good dividend to their investors. Such unlisted shares are good investment ideas. The liquidity is an issue in these unlisted shares but we at Planify act as a market maker to buy and sell good-rated companies. Ex: Tata Technologies, Carrier Air Conditioning, etc. are such companies that are good dividend-paying unlisted companies and have not informed any IPO plans in the media.

(iii) Delisted Shares: The shares are delisted from national stock exchanges like NSE or BSE and currently not trading. The reason could be anything from not adhering to disclosures as per exchanges requirement or management call to delist the company. Ex: Essar Oil gets delisted from exchanges in 2015 when it was acquired by the Russian company. Essar Steel and Electrosteel are an example of other such companies.

How to Invest in Pre-IPO Companies?

Investing in IPO is something that is commonly practiced across the world. There are people that invest in company shares that are viable and likely to do well in the business market. A lot of people depend on the buying and selling of shares to earn their regular income. However, a fact that is little known is that you can buy Pre-IPO shares from companies and make a lot of money out of it. When a company is still in the startup phase, you can invest in its shares and end up getting unexpectedly amazing returns.

When you need to make sure that you are able to make money out of Pre-IPO shares in India, it is important to make sure that you have immense knowledge about the practice. You should know all about the company that you are investing with or at least know experts that can introduce you to the best companies to invest with. It is important to have the right information and able to help in investing in Pre-IPO shares in India because someone that is new could end up putting their money in the wrong hands. Here is a list of things that you can learn about before you buy unlisted shares in India:

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Pre-IPO Review & Analysis of Hero FinCorp Limited | Planify

Hero FinCorp Limited (HFCL) was incorporated in 1991 as Hero Honda FinLease Limited, due to a change in the ownership of its parent, Hero MotoCorp Limited (Formerly known as Hero Honda Motors Limited), the company changed its name to Hero FinCorp Limited.

HFCL is engaged in the business of financing, leasing, bill discounting, and other financial services. HFCL has a wholly-owned subsidiary – Hero Housing Finance Limited which is engaged in the business of providing housing loans.

In 2020, HFCLs retail business is present at 938 dealerships and services are available at more than 4000 touch points spread across more than 1900+ cities, towns and villages. HFCL’s loan against Property, SME and Emerging Corporate Business is operating out of 50 locations on the non-retail segment and processes more than 800 applications every month.

A subsidiary of Hero-Fin Corp:

The Company has one wholly-owned subsidiary company viz. Hero Housing Finance Limited (“HHFL”). HHFL had started its lending operations in April 2018. It is an all-inclusive housing finance company providing hassle-free home loans PAN India which includes the following products to its customers: (i) Home Loans, (ii) Loan Against Property, etc.

HHFL has shown tremendous growth and touched loans of INR 556.75 crore during the first year of its operation in FY19.

During the year, Hero-Fin Corp had invested INR 200 crore in HHFL by subscribing to 20,00,00,000 equity shares of the face value of INR 10 each on a rights basis.

Key Highlights of 2019

(i) Hero Motorcorp Limited (HMCL) holds a 41.03% stake in Hero-Fin Corp.

(ii) Hero-Fin Corp’s revenue and net profit have grown by 47.85% and 49.01% over the past three years.

(iii) Hero-Fin Corp’s capital adequacy ratio is well above the RBI norm of 15% and stands at 19.03%.

(iv) ICRA and CRISIL Limited have assigned ratings for the various facilities availed by the company as AA+.

(v) Hero-Fin Corp derives financial, operational, managerial support from Group HMCL (Group HMCL includes Group investment companies and individual promoters).

(vi) Hero-Fin Corp has a strong presence of institutional investors like Credit Suisse (Singapore) Limited which holds 2.58% in the company and ChrysCapital which holds a 10.56% stake in the company.

Key Highlights of 2020

(i) In FY20, Hero-Fin Corp has become India’s No.1 two-wheeler financing company.

(ii) In FY19-20, Hero-Fin Corp has crossed a milestone of covering 50 Lakhs customers, network at 2000 locations, and registered a growth of 40% in loan disbursement as compared to last year.

(iii) Hero-Fin Corp has disbursed 17827 Crores of loans in FY19-20.

(iv) Total AUM as of 31.03.2020 stands at 25182 Crores.

(v) PAT at 310 Crores up by 16% as compared to 268 Crores last year.

(vi) Employee's strength as of 31.03.2020 stands at over 7500.

(vii) Hero-Fin Corp has recommended a final dividend of Rs. 2.55/- per equity share for the financial year ended March 31, 2020.

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Guaranteed Income Plans | Planify

In the fast-paced lifestyle of today, even the little luxuries that we enjoy with our family make the loveliest memories. What if you could appreciate these moments without stressing over the related expenses? An extra income stream could make a difference. A savvy investment choice today can go far in ensuring that the lifestyle, you want for your loved ones, would for sure become a reality.

Along with meeting various goals of your dependents and supporting them financially, one important key in leading a stress-free life is having “Certainty in Life”. For instance, having the assurance that your salary will get credited to your account on time or the goals of your loved ones will get fulfilled, or their future will be secure even in your absence. After all, having these certainties can give you much-needed peace of mind. Guaranteed Plans can help you get this reassurance.

Guaranteed Plans recognize your hard work and efforts to provide your dear ones with a comfortable life now and in the future. These life insurance plus savings-oriented plans, guarantee returns in the form of a lump sum payout or regular payouts over a period of years.

What Is Guaranteed Plan?

A guaranteed plan provides assured benefit to the policyholders. This traditional insurance plan provides life cover, together with guaranteed payouts, if any, and maturity benefits, if any. Guaranteed plans, thus, act as another source of income by providing assured payout(s).

Any individual between 18 to 60 years of age may buy a guaranteed plan and may avail various advantages that accompany it account of Life Assured’s demise during the policy term, the Death Benefit is paid on to his/her nominee policy terms of guaranteed plans may vary from 10 to 30 years frequency of payouts may be chosen by the policyholder (lump sum, monthly or annual) depending upon the options available under the plan.

A guaranteed plan, thus, helps policyholders to fulfill their goals like funding their dream vacation, saving for their children’s education, and securing their family’s future.

What Do You Need To Do Before You Buy Guaranteed Policies?

Things that individuals need to consider before opting for a Guaranteed Policy are:

What are the returns you are looking at? The time period of the payouts and the premium to be paidThe type of income generation required

The above facts are influenced by the investors:

Present lifestyleEarningsFuture lifestyle they seek tax savings they want risk cover

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What is Employee Stock Option Plan | Planify

An ESOP (Employee stock ownership plan) refers to an employee benefit plan which offers employees an ownership interest in the organization. Employee stock ownership plans are issued as direct stock, profit-sharing plans or bonuses, and the employer has the sole discretion in deciding who could avail of these options. However, Employee stock ownership plans are just options that could be purchased at a specified price before the exercise date. There are defined rules and regulations laid out in the Companies Rules which employers need to follow for granting of Employee stock ownership plans to their employees.

ESOPs help companies to reduce their operational expenses. Companies give less salary to their employees but compensate the same through ESOP shares. This will help start-ups to acquire talent at a lower cost.

For example, let us suppose the package of the employee in the company is 10 lakhs per annum. The company may give 8 lakhs as cash and rest 2 lakh in the form of ESOPs i.e. shares of the company.

ESOPs have a certain time frame before which they can be exercised. It means employees have to work in the company for a certain period to get eligible for buying shares of the company. Generally, ESOP shares are given in tranches of 25% every year and 100% gets completed in 4 years. As ESOP shares are issued in tranches, the attrition rate (the speed at which employees are leaving the organization) gets reduced considerably. Employees think that if they leave early, they will not get the benefit from ESOPs shares. So they work longer in the company.

Advantage of ESOPs for Employees?

ESOPs can be a game-changer for the employees. If an employee is having ESOP shares of a company that has become Unicorn-name given to the startup having valuation above $1 Billion dollars, then the value of those ESOP shares will make employees super-rich.

We have seen this in the case of Flipkart India, when it was purchased by Walmart at a whopping valuation of 1.16 lakh Crores in the year 2017-18. Flipkart India had given ESOP shares even to the drivers of the company. So in that deal, everyone got a big chunk of return on ESOP shares and after that deal, many became millionaires.

Similarly, Paytm has issued ESOP shares to its employees at Rs.90 per share and in the unlisted market, it was sold in the price range of 5k to 18k. So we can calculate the kind of return they have generated. Obviously, the number of shares given to employees under ESOP scheme depends upon a position in the company but even then the small number of ESOP shares can make an employee rich once the company’s valuation touches the unicorn status.

The problem for Employees?

Liquidation is the biggest problem for the employees who are having ESOPs of the startups. Let us suppose the employee has ESOP shares in his/her demat account. And he/she wants to sell ESOP shares to get some immediate funds. So what is the solution?

They can approach the company requesting to buyback those ESOP shares. This option is not viable most of the time.

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Hero FinCorp Limited | Pre IPO | Review & Analysis

 Find and get information on Hero Fincorp Unlisted Pre IPO Shares prior to purchasing, selling, or contributing - Complete Review, Analysis, Products, Strengths, Financials and Valuations, Promoters, most recent News and assessed returns. 

Legend Fincorp is an NBFC which is a model of the Hero Honda bunch. Legend Fincorp by and by is occupied with the Consumer account and business loaning business. Legend Fincorp began its activities in 1992 by the name of Hero Honda Finlease 

LTD. The primary goal of the organization was to give medium-term credits to its providers and sellers.

The organization's Revenue and Net Profit expanded by a CAGR of 34.08% and 35% separately and resources under administration expanded from 3042 Cr in 2014 to 13,542 Cr in 2019. Credit payment additionally expanded by a CAGR of 53.04% from R.s 2502 Cr in 2016 to Rs. 9037 Cr in 2019. ICRA has given an AA+ rating to Hero Fincorp's present moment and long-haul advances. A year ago the organization recorded a profit of R.s 4.25/offer to its financial backers. 

Legend Fincorp is supported by solid administration, accounts, and development and we at play give it a 5 out of 5 appraisals. 

Check the total Research Report on Hero FinCorp Limited and keep yourself refreshed on the most recent news on Hero FinCorp Limited at saint balance corp IPO share value subtleties

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How does esop work in india ?

Employee stock option is a profitable plan which is created in favour of employees in order to benefit them with maximum returns. In this plan, an employee enjoys the right to acquire the company’s share.

Other Type of Incentives -

ESPP (Employee Stock Purchase Plan):

In this scheme, after a certain tenure/period of time, the company, offers its shares to its employees at a discounted price which is generally 10-15% less than the market price.

Stock Appreciation Rights:

In this scheme, the company offers its employees a compensation of an amount equal to the appreciation value of the share in a predetermined time

RSU (Restricted Stock Units):

In this scheme, the company offers its shares to their employee on the basis of their compensation letter but along with some restrictions and limits

Phantom Shares – Phantom stock is a form of long-term deferred compensation using the Company shares as the measuring device for calculating the value of the deferred compensation. It simulates the Company shares in everything except that does not represent true ownership.                  

RSA - Restricted Stock Award

 

 

Few Terminologies related to ESOP:

 

●      Grant an option: This is an option where a company offers a right to its employee to buy the company’s shares.

●      Grant Date: It is a date on which the employee receives the ESOP option

 

●      Vesting Date:  It is a date on which the employee becomes entitled to exercise the options

 

●      Vesting Period: The period between vesting date and Grant date.

 

●      Exercise: Initially, the company offers a grant an option to its employees where an employee is free to convert its option into shares. This is known as Exercising the option

 

 

●      Exercise price: This is the price at which the shares are offered to its employees. This price is usually less than the current market price. It is also known as Strike price.

 

●      Exercise Period: This is the period where an employee gets a chance to exercise its share. This is known as Exercise period

 

●      Fair Market Value: The market value of shares during its allotment period is known as Fair market value.

 

How can we calculate the tax on ESOPs?

There are two stages of tax calculation on the shares allotted as ESOPs:

1^st Stage- When an employee exercises their options after the vesting period

2^nd Stage- When the employees sell their allotted shares

 

 

Tax Implication after the option is exercised:

 

When the options are exercised under the ESOPs, then the tax is levied on the perquisite value (Perquisite value= FMV-Exercise Price).

If the shares get listed in India, then the value of the allotted shares are calculated on the basis of average price (average of highest and lowest price). If the shares are unlisted then FMV is calculated on the basis of the valuation certificate issued by the merchant banker and the valuation certificate should not be more than 180 days of the exercise date.

Even if the company is listed outside India, it has to take the valuation certificate from the merchant bank because the shares listed in abroad are treated as unlisted share for the ESOP purpose. 

Want to contact Planify for more information about ESOP –

EMAIL-  help@planify.in  Call at -  +91-70-6556-0002