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Name, status and work These three words fit for TCS. The name is because it is the RATTAN  of the TATA Group.        It has the status of...

Name, status and work These three words fit for TCS. The name is because it is the RATTAN of the TATA Group.

       It has the status of being the largest company in the country and the work is such that in 15 years, investors earned 1850% return in it. In the world too, it gained momentum. TCS, which is counted among the world's top three most valuable IT companies, is considered a champion stock, because even if we do not find another such Indian company, let us look at the great journey of this emperor of the IT sector from 15 years.

       The last 15 years have been a great journey for TCS to be listed on August 25, 2004. For the Tata group, the company is a treasure trove. Just think, the company in which 85 thousand investment value will be 1.75 crore rupees in 15 years, whose will not like it.


       TCS was listed on 25 August 2004. Its IPO was subscribed 7.7 times. The retail portion of the IPO was 3 times full. Today it is the largest company in the country in terms of market cap. The issue price of TCS's IPO was Rs 850. These shares were listed at Rs 1076 with a 26.6 per cent premium.


        The stock has so far given 1850 per cent returns from the listing. Investments of 100 shares, ie 85000, made in 2004, have become 1.76 crores today. It also includes dividend of 16.5 lakhs. TCS has a market cap of Rs 8 lakh crore crore, which holds 10 shares in the Nifty. TCS is the RATTAN of the entire Tata group, alone it outstrips all the group companies.


        TCS is the largest company in the Tata group. It holds 75% of the total market cap of the TATA group. At the same time, it accounts for 20 per cent of the group's total income. The company has cash of Rs 72220 crore.

Customers can choose a two-hour delivery slot from Amazon Fresh Stores as per their convenience.             Amazon India has launched Am...

Customers can choose a two-hour delivery slot from Amazon Fresh Stores as per their convenience.

            Amazon India has launched Amazon Fresh Store in Bengaluru. The company will deliver the orders of the groceries made on Amazon.in to the address of a selected pin code within 2 hours.


             Customers can choose a two-hour delivery slot from Amazon Fresh Stores as per their convenience.

             Amazon India director of category management Siddharth Nambiar said that Amazon Fresh will allow customers to speed delivery of everyday items. Now customers can order fresh vegetable and fruits and they will get delivery in two hours.

             Let us know that this facility is being started in Bengaluru from August 23, soon it will be started in other cities as well. Customers can order up to 5000 fruit-vegetable, dairy products, meats, ice-creams and packaged food, raw materials and other dry groceries along with personal care and home care products from Amazon Fresh.


            Amazon Prime members will get 2 hours of fast delivery for Rs 49. All customers will get two hours of delivery between 6 am and midnight. There will be no delivery charge on orders above 600, below this, a delivery charge of Rs 29 will be charged.

Often, while investing, we do not pay any attention to what kind of investment we like.       Often, while investing, we do not pay...

Often, while investing, we do not pay any attention to what kind of investment we like.




      Often, while investing, we do not pay any attention to what kind of investment we like. The way of investment should be in line with your ideas.

     There are many investment ideas in the world. The most popular advances are progress, value and reversal investment. Here we discuss the inverse investment style.

Growth Investment Style:

    It invests in stocks of companies that have indicated better than average progress. Even if the share price is higher than the ratio of income or book value. The strategy of buying and holding is adopted in this. Goes with a long-term view in the style of progress.

Value Investment Style:

   The basis of investment in value is investment and estimates. Ben Graham and David Dad promoted this style. This is the complete opposite of the Pragati style. It analyzes the basic components of companies. Shares that remain undervalued below the expected price are bought.

   It is treated as a reverse investment, but it does not happen. It is an investment style that moves around the basic components of the stock. In this, market sentiment is not very important, whereas in the inverse investment style, sentiment is very important.


Reverse Investment Style:

   Contrary to what is commonly believed, the style of investment is called inverse investment. Investments are made when the public recognition is wrong. The leading investors to reverse investment are Warren Buffet, David Dreman, John Neff. The person investing the money in reverse investment style also takes into consideration the Price to Value Ratio (PE) and Price Book Value (PBV) ratio.

  He looks at the sentiment to know the pulse of the market. This person invests when the trend is reversed. However, it does not always move in the opposite direction from the market.

    Inverse investment style can often be converted into value based investment. The value investor concentrates on the basic components and trades. He pays more attention to the intrinsic value of that share. This is done on the same stocks whose prices can be predicted.

   Inverse investors invest in the hope that they will sell and exit when the market is at peak height.

What do investors say

David Dreman, considered a Contrarian investor in the Nifty-Fifty era, has said about the inverse (Contrarian) investment that stocks which are good fundamentals and have a lower value to earnings ratio or to book value Shares outside the trend are bought when the price is low or the dividend yield is high.

James Fraser in The Fraser Opinion Letter states the main basis of the analysis-

  • Immediate political-economic conditions
  • Crowd crop
  • Popular Assumptions and Predictions


Warren Buffett describes it in even simpler terms -

"I'll tell you how you can be rich. Close the doors. Be afraid when others are greedy. Be greedy when others are afraid."

When there was a boom period during 2003–2007, the Sensex dropped 1000 points in four trading sessions. In 2008 there was a recession all around. The market fell to a low of 7,000. Experts were also awaiting a huge recession. On the other hand, those investing inversely benefited from it.

Warren Buffet openly stated that he invested most of his investment in stocks. After that the world markets kept improving.

Sources of successful reverse investment:


  • In a falling market, the reverse investor takes more risk. Takes less risk when the market is high.
  • Low value shares do not necessarily give good profits.
  • The mantra of successful investment is to invest in disciplined manner.
  • Manage risk.
  • Research hard.
  • Inverse investors need expertise and trust.

Gold has reached 6-year high on Comex. On the MCX, gold has jumped 18 percent this year.         While the stock market is disappointi...

Gold has reached 6-year high on Comex. On the MCX, gold has jumped 18 percent this year.


        While the stock market is disappointing investors, gold continues to set new records. Gold has reached 6-year high on Comex. At the same time, gold has jumped 18 percent on MCX this year and still remains the most attractive for investors. But is it a profit-booking opportunity in gold or will the investment still be profitable, gold and how much will go up. Will gold cross 40,000 even by Diwali and if you want to buy now, what is the best way. In this special show, we will try to find the answers to these questions because the fear of recession has strengthened the confidence in gold.

        Gold has seen a rise of 1.5 percent in this week, while a 6.5 percent surge has been seen in 1 month, while this year has seen a rise of 17 percent till date. Looking at silver, silver has shown a growth of 1.6 percent in this week, while 7.8 percent has been seen in a month, while this year has seen a rise of 9 percent till date. At present, gold has increased in attractiveness. Comex Gold is trading at the height of 6 years. So far this year, gold prices have gone up by 18 per cent. Gold has jumped more than $ 100 / ounce this month.

Why sleep fast ?

          Talking about the reasons why gold has gained momentum, investors are afraid of slowdown. The fall in bond yields, stress in Hong Kong and decline in emerging markets are also the reasons for this. Gold price in India is supported by the weakness of the rupee. The import of gold has become expensive due to the weakness of the rupee against the dollar. Currently, the boom in gold continues. Silver is also shined with gold. The reason for the rise in gold is the danger of increasing trade war in US-China. Apart from this, gold has also been intensified due to a cut in interest rates in the US. Gold has also become costlier due to sluggish global growth and purchases by central banks around the world.

Buy gold in these ways

      If you want to buy gold then you can buy it as jewelery. One can profit by purchasing Gold Mutual Fund, Gold ETF, Sovereign Gold Bond, Digital Gold and Commodity Derivatives Exchange.

Giants Trading Tips

Gold: Buy - Rs 38000, Stoploss - Rs 37900, Target - Rs 38250

Silver: Buy- Rs.43900, Stoploss- Rs.44500, Target- Rs.43700

The selling effect in the market has also been seen on the mutual fund industry. The market has been under pressure in July due to gro...

The selling effect in the market has also been seen on the mutual fund industry.


The market has been under pressure in July due to growing trade war between the US-China, imposition of income tax surcharge on foreign portfolio investors (FPIs) and concerns over sluggishness of the economy.

The selling effect in the market has also been seen on the mutual fund industry. The total asset under management (AUM) stood at Rs 6,84,200 crore in July 2019. It is down by 5.46 percent. In comparison, the benchmark Nifty declined by 5.7 percent.

According to Edelweiss Security data, the largest investment in equity schemes is large cap, focused, mid cap and small cap. Together all these have an investment of Rs 6000 crores in the equity scheme.

The fund manager has invested in large-cap private banks. Apart from this, funds have also been invested in utilities, energy and select FMCG shares. However, investment in auto companies has been reduced during this period.

In its report, Edelweiss mentions 6 such stocks in which more than 1000 crores have been invested. The maximum investment has been done in Axis Bank. Fund managers have invested Rs 2145 crore in the bank. After this, ICICI Bank 1863 crore has been imposed.

An investment of Rs 1251 crore has been made in the government company GAIL, Rs 1179 crore in HDFC Bank. An investment of Rs 1056 crore in ITC and Rs 1051 crore in L&T has been made in July. Apart from these 6 shares, Rs 952 crore has been invested in Reliance Industries, Rs 743 crore in Tata Consultancy, Rs 689 crore in NTPC, Rs 512 crore in Titan, Rs 432 crore in Coal India and Rs 383 crore in Bajaj Finance.

Sold in Share


Apart from this, Infosys is among the stocks in which the fund manager reduced its stake in July. In July, fund managers sold stocks worth Rs 630 crore. Apart from this, shares of Shriram Transport Finance Company have sold 489 crore rupees. The fund manager has sold Rs 458 crore in UPL, Rs 436 crore in Mindtree and Rs 304 crore in IOC.

Buy Cheap Sell Expensive. Stock market is the most popular investment principle. But how do you know when a stock is cheap? Sutra: Com...

Buy Cheap Sell Expensive.

Stock market is the most popular investment principle. But how do you know when a stock is cheap?

Sutra: Compare a stock price with its actual value.

What is the difference between the stock price and its real value?


  •  At any time, the price that the market is willing to pay for the share is the share price. It changes frequently.

  • The value of a share means the business contained in it. It is stable and is associated with the functioning and fate of the company.

Buy when price is lower than price

Assuming the actual value of a share is Rs 150 and the market price is Rs 125, then you are getting this share for less than Rs 25. It is not a guarantee that the stock price will not go below 125.

How to find the share price?

First read the financial statement and understand the specifics of the stock. Warren Buffett can also use the tried method:
  • Look at the net liquid asset per share.

Net liquid asset per share = current asset (cash, debtors, liquid investment) - liabilities
Number of shares

Rule: Warren Buffet does not pay more than two-thirds of the price for any such share



  • Let us now look at the PE (valuation) growth ratio.

PE and Growth Ratio = Market Price / EPS
                                     Annual EPS growth

Annual EPS Growth = Current Year EPS - Previous Year EPS x 100
                                                           Last year's EPS

Rule: If the PE growth ratio is one, it indicates that the share is the true value. If it is less than one, the stock is undervalued. There is an overvalue if there is more than one.

PE: margin of safety indication

Suppose you buy a share for Rs 550, whose EPS is Rs 50. In a year you earn 50 rupees on an investment of 550 rupees. This is a return of around 9%.

Now you can earn 8-9% risk-free returns on bank deposits too. In this case the margin of safety is zero. If we want to keep the risk low, then the difference should be kept high.

Rule: Warren Buffet recommends that this difference should be 1.25–1.5 per cent.

Last word: In fast, investors pay more for every share. At that time the margin of safety is not met. It is good in recession.

One of  our clients Naresh earns Rs 18 lakhs every year. He invests in stocks but lost a huge amount due to the fall in the market. When th...

One of  our clients Naresh earns Rs 18 lakhs every year. He invests in stocks but lost a huge amount due to the fall in the market. When the market fell 55 per cent, the value of Naresh's portfolio had fallen by 70 per cent.

In a broking house, Naresh's relationship manager (RM) recommended him to invest in 38 shares. RM was of the view that the value of these shares would increase by 70 per cent in the next 12 months.


It had a list of 38 stocks with a target of 12 months. It also showed the percentage estimate of the stock moving above the current price. Naresh's RM had suggested that infrastructure stocks would do well for the next few years. Jaiprakash Associates had lost 90 per cent of its peak. Naren invested in midcap stocks to make up for the previous losses.


I asked Naresh to take this list from RM on the company's letterhead. After that, RM's calls stopped coming.

What do you do?


A stock broker makes money at a traded price. That's why most brokerage houses offer free advice. Keep in mind that whenever there is loss, it will be yours. If you do not want to lose your money, then follow some basic rules.

RULE-1.Study Tips Before Investing


   Do the litmus test. Before you invest, test the tips of any analyst for some time. Only then decide. Many brokerage houses boast of their large research team. Their daily reports come. How many of these must be right.

RULE-2.Do Research Before Investing, Not Later!


    Research the stock first before investing. Ask the broker for a detailed report on that. Invest only if the long-term prospects are good. Don't waste time on tips with trigger price and target price.


RULE-3.One Who Rises Fast Falls Fast


    Whenever a figure is seen at altitude, there is a huge possibility of progress. But one should be cautious when a stock has grown enough or there has been a significant rise in a sector. A higher PE ratio means that future growth rates are going to decrease.


RULE-4.Invest In Mutual Funds if There Is No Time

    If you do not have time to choose new shares in your portfolio, do not invest directly in the stock market. A lot of value can also be created by investing in a Systematic Investment Plan (SIP).

We will discuss how big difference in savings can be made by starting an investment at a young age and at an early age. In this article, ...

We will discuss how big difference in savings can be made by starting an investment at a young age and at an early age.

In this article, we will discuss how big difference in savings can be made by starting an investment at a young age. This is an amazing multiplier of principal and compound interest. We explain this by example.

Let's compare two friends. Sonal and Prem. Sonal starts at Rs 750 every year. She starts investing from her age of 15 and closes after 15 years.

Prem on the other hand starts investing 5,000 rupees every year. He is 30 years old at the time. He continues to invest until he is 60 years old. Sonal invested for 15 years. Prem invested for thirty years.

If both together earn 15 per cent annual return after tax, then who will have more wealth at the age of 60?

Sonal's savings of Rs 750 every month, which is done from the age of 15 to 30, will deposit Rs 27.7 lakh at the age of 60. On the other hand, Prem's savings of Rs 5,000 a year will increase to Rs 25 lakh during his 30 to 60 years of age.

Both will accumulate much better savings than their investments. Sonal succeeds in saving more money, that too in less years. Therefore investment should be started at a young age. This example shows what is the benefit of starting an investment at a young age.

In short, the interest of compound interest on multiples, ie principal, is amazing that by investing quickly, the amount increases rapidly. Whenever you invest every year your money is working for you.

With the car being old, the amount of insurance is increased. In such a case, to give some relief to car owners, insurance companies give ...

With the car being old, the amount of insurance is increased. In such a case, to give some relief to car owners, insurance companies give 'no claim bonus' on the policy.



With the car being old, the amount of insurance is increased. In such a case, to give some relief to car owners, insurance companies give 'no claim bonus' on the policy. What is this 'no claim bonus'? How does the insurer benefit from this? How much does this bonus get? Let's try to find answers to these questions. 'No Claim Bonus' (NCB) is called a discount, which the insurance company gives to the customer at the premium amount. The condition is that the car owner has not taken any kind of claim in the past year. This discount can be between 20 to 50 per cent.

How is Discount Discounted?

If the insurance value of a vehicle is Rs 4 lakh at the time of renewal, and its on-premise premium is Rs 12,000, then the customer will be given a 20% discount. In this way, instead of not claiming the claim, after paying a discount of Rs 24, Rs 9,600 will be repaid.

As the car is old, the rate of no claim bonus will also increase in insurance. However, this benefit is available only when you have not claimed. At the same time, you have to renew it before the expiry of the policy.

When do not get 'no claim bonus'?

  • If you have claimed a year, then next year you will not get NCB.
  • If the policy is not renewed within 90 days of expiry, you will not get NCB. Even if you have not taken the claim.
 Significantly, no claim bonus can be transferred from one vehicle to another, provided the policyholder's name is same. Apart from this, the insurance company also gets a no claim bonus on change. That means even if you do not take the claim even after changing the company, you get the NCB.

Policyholders should keep in mind that the NCB is available on the dame. This is not the benefit of a third party policy. In the premium, the third party has a stake of 15 to 20 per cent.

Avoid taking small amount of claim.

If you take a claim for minor damage, then know the price for its long term. Once your claim is received, your NCB score becomes zero, i.e. you will not get any rebate in the next year, and even after that, you have to create an NCB score from the beginning.

For example, Jagdish bought a car in 2013 and did not take any claims for four years. In the 2017 premium, he could save up to Rs 6,000 with 45 percent NCB, but he got a claim of 5,000 rupees if he broke the glass.

Because of this, not only was he deprived of a discount of Rs 6,000, but instead of taking a claim for the next year, he got 20 percent discount for 50 percent. Because of this, it is not prudent to claim a claim for small losses.

NCD security guards rider

However, some companies have come with a new rider, in which you can keep your NCB safe. In this rider you get a discount on the balance after your claim, but you will have to start again next year.

If you look at the example above, then you can get a buck of Rs 6,000, but he has a claim of 5,000 rupees. With this rider he could take the difference of this 1,000 in the NCB. However, he does not get 50 percent discount next year.

Sunset clause

Under the NCB, you can get a discount of a maximum of 50 per cent. Even if you have not received any claim after 50%, this limit will not increase.

Dial the toll-free Though this 10GB free data add-on is a great offer from Reliance Jio, it is not applicable to all users. Those who ...

Dial the toll-free

Though this 10GB free data add-on is a great offer from Reliance Jio, it is not applicable to all users. Those who haven't received the free data can dial the toll-free number 1299 to get Recharge for free and enjoy without any concerns of exhausting the daily limit. Do dial this number from your Jio number and let us know if you have received the free add-on pack.

If you also want to take a business loan from a bank, we are telling you what its process is: To promote small enterprises in the co...

If you also want to take a business loan from a bank, we are telling you what its process is:



To promote small enterprises in the country, the government has introduced a number of loan schemes. Apart from the Prime Minister's Money Scheme, there are several schemes which you can take from small amounts to large loans. At this time, according to the plans of the Central and State Government, you can take a loan of Rs 50,000 to Rs 10 lakh for your business.

What is a business loan? 

This is actually a loan taken to meet your business needs. If you also want to take a business loan from a bank, we are telling you what its process is:
  • Create detailed business plans.
  • Tell the bank you want to take from your business plan.
  • After this, decide how much loan you need.
  • Find out about your credit score.
In fact, the bank decides to lend you according to your business plan. If the bank thinks that your business and its profits will be so much that after you complete your expenditure, you will be able to repay the bank loan in a stipulated period, only when the bank approves your loan.

What are the benefits of taking a business loan?

  • Cash inward
  • Money help for business needs
  • Financing needs for both short and long periods

Who can apply for business loan?

  • The person doing his own business
  • Entrepreneur
  • Private limited companies
  • Partnership firms
If you are thinking about doing your work or putting an enterprise, then you can apply for a business loan. If you are already doing a business and are struggling to raise it or to meet its capital requirements, you can still take a business loan.