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Reliance Industries, led by Mukesh Ambani, became the first Indian company to earn $100 billion in revenue in a single year.   Image source: Deshi companies  Morgan Stanley has maintained its 'Overweight' rating on RIL following the company's major capital expenditure announcement at the AGM. The most recent announcement has the potential to more than double RIL's profits by 2027.   Image source: invest yadnya Reliance announced investments of Rs 2 lakh crore in a standalone 5G network, Rs 75,000 crore in expanding its O2C (Oil to chemicals) capacities across value chains, and Rs 75,000 crore in new energy. According to Morgan Stanley, these new investments have a much better constructive setup and lower cyclicality than previous investments. Morgan Stanley has set a price target of Rs 3,085 on the shares. Morgan Stanley's top pick is now Reliance. CLSA has kept its BUY rating and a target price of Rs 3180. The launch of WhatsApp integration ...

What is the non-performing asset?  image source: Housing Which bank should you avoid putting money in it? Here is the long form of NPA is a non-performing asset. When Bank give a loan then that loan will become an asset for the bank. why? Because Bank makes money by giving loans and charging interest on them.  But when that loan does not repay by the lender to the bank then it became a non-performing asset called an NPA. This NPA is also called bad loans for a bank.  Now you understood why these are called bad loans because they don't work for the bank and become a liability to the banks. This is why a bank's risk is measured by the NPA of the specific bank.  In most cases, NPA increases in the bank by giving loans to the corporate segments. The corporate segment is highly volatile and risky. They do not provide any guarantee to lead the market and repay the loan. While the retail segment is considered a low risky segment as there are very less chances of...

Hedging is a sophisticated risk management tactic that entails purchasing or disposing of a security to potentially help lower the risk of a position's potential loss.   Image source: Trade Brains Individual investors do not frequently utilise hedging as a trading strategy, and when they do, it is typically done after the initial investment has been made. In other words, you wouldn't hedge a position before you buy or sell a stock short. To minimise potential losses for an existing deal if it moves against your expectations and in the opposite direction, that is the main reason to hedge. Supposing you believe your trade will eventually move in the opposite way from where you want. You could wish to hedge rather than close it out for a number of reasons, including: Overconcentration: You may want to mitigate some of the risks associated with a certain investment (such as business stock) if you have a high exposure to it. Tax repercussions: You might not want to sell ...

Image source: Stock Basket 1. Put quality first: Regardless of their low valuation, Warren Buffett never invests in struggling companies and only does so in companies with good financials. "It's far better to buy a wonderful firm at a fair price than a fair company at fabulous price," said Warren Buffett, sums up this idea. 2. Don't follow the herd:  According to Buffett, the best approach to investing is to completely disregard the herd and concentrate on identifying value on your own. The most crucial trait for a successful investor, according to Buffet, is a disposition that doesn't enjoy going with the flow or going against it. 3. Don't be afraid of a market correction: Buffet actually enjoys it because it offers the chance to purchase stocks at a discount. Buffet enjoys purchasing the dip and claims, "Opportunities are few and far between. Put out the bucket when it starts to rain gold, not the thimble." 4. Long-term perspective:  Bu...

Is Titan's share overvalued/overpriced?  Image source: GoodReturns The company has given 7.64% returns in the last month,17.8% returns in the last 3 months, 38.91% returns in one year, 129.78% returns in three years, and 321.63% returns in 5 years.  The company's yearly sales increase of 33% exceeded its three-year CAGR of 13.16%.  The stock returned 129.89% over three years, compared to a return of 60.42% for the Nifty 100. The data completely indicate that the company's growth and return that they generate for the investor are massively outstanding. Can we invest from this point?  let's figure out the expenses of the company. In the fiscal year that ended on March 31, 2022, the company spent 4.68% of its operating revenues on employee costs and less than 1% on interest charges.  This indicates that companies' internal expenses are very well managed and comparatively very low. Titan Company Ltd. is the fifth-largest watch manufacturer in the world a...

 Image source: Connective payments  BNPL ( Buy Now Pay Later) is one of the biggest scams happening with users. People think BNPL and credit cards are the same, but no, there is a lot of difference between them. It just looks similar to working. Let's clear that, how credit cards work. Credit cards are directly issued by the banks and they lend you their money. Simply, you are using the bank's money directly. Banks give you a specific 30 to 45 days period to return/repay that money without zero interest or you can also pay money in EMIs. If you didn't repay the money in that period then banks charges interest of about 24% to 48% p.a. as fees. But this bank's money when you use it shows in the bank's loan book. For example, if you use the credit card of XYZ bank and purchase RS5000 worth of anything then it will be recorded in the bank's loan book that RS5000 is lent to this specific person. Now you might get understood how credit cards work. Let...