Category: Personal Finance

Adani Enterprise

Sales have decreased by 8.61 percent. For the first time in three years, the company’s revenue has decreased. The stock returned 904.58 percent over three years, compared to 54.72 percent for the Nifty 100. Adani Enterprises Ltd., founded in 1993, is a Large Cap business in the Diversified sector with a market capitalization of Rs 162,799.39 crore.

Since August 27, 2001, Adani Enterprises Ltd. has declared 21 dividends. Adani Enterprises Ltd. has declared an equity dividend of Rs 1.00 per share in the last 12 months. This amounts to a dividend yield of 0.07 percent at the current share price as of (September 18) of Rs 1480.25.

APL Apollo Tubes

APL Apollo Tubes, founded in 1986, is a Mid Cap business in the Metals – Ferrous sector with a market capitalization of Rs 23,629.07 crore. APL Apollo Tubes (APL) announced the issuance of bonus shares at a 1:1 ratio, i.e. one free equity share for each share owned by the shareholder.

The stock returned 511.47 percent over three years, compared to 57.43 percent for the Nifty Midcap 100. Over a three-year period, the stock returned 511.47 percent, while the Nifty Metal returned 55.8 percent to investors. APL Apollo Tubes Ltd. has declared 13 dividends since Jan. 24, 2007.

Tata Steel

Tata Steel Limited, headquartered in Mumbai, Maharashtra, India, is an Indian multinational steel-making corporation centered in Jamshedpur, Jharkhand. The company’s ability to manage through difficult times is aided by its captive mines for the essential raw resource, iron ore. It assists the corporation in improving margins in good times, as it did in the fourth quarter of FY 21.

The stock returned 123.1 percent over three years, compared to 54.72 percent for the Nifty 100. Over a three-year period, the stock returned 123.1 percent, while the Nifty Metal provided investors a 55.8% return.

SAIL

Steel Authority of India (SAIL), founded in 1973, is a Large Cap company in the Metals – Ferrous sector with a market cap of Rs 47,563.00 crore. The stock returned 49.06 percent over three years, compared to 54.72 percent for the Nifty 100. Over a three-year period, the stock returned 49.06 percent, while the Nifty Metal returned 55.8 percent to investors.

For the past three years, the company has shown a good profit growth of 39.48 percent. Over the last three years, the company has had a dismal ROE of 6.78 percent. SAIL has a PE ratio of 5.13, which is low and inexpensive in comparison.

4 Best Performing Metal Stocks With Gains Over 200% In The Last One Year

Conclusion

On the back of soaring aluminum prices, Hindalco’s stock has increased by more than 150 percent in the last year. JSW steel’s earnings were bolstered by higher steel prices, and JSW steel’s shares returned 140 percent in the last year.

Rising metal prices have generated debate about whether the world is entering a commodity cycle or a “supercycle,” a long period of abnormally high prices lasting at least a decade.

Disclaimer

Investing in equities poses a risk of financial losses. Investors must therefore exercise due caution. Greynium Information Technologies, the author, and the brokerage house are not liable for any losses caused as a result of decisions based on the article. Please consult a professional advisor.

Silver Coins

If you want to buy precious metals for investment rather than to wear, silver coins are ideal because you won’t lose money on transaction fees or have to buy in larger quantities. You can start with as little as one gram and use the accumulated amount to make jewellery in the future if necessary.

Coins, on the other hand, are slightly more expensive than silver bars since they usually have some type of art or picture, as well as labor costs, which are added to the final price.

On the other hand, it has advantages in that it allows you to purchase silver for a very low price. It’s a terrific alternative for employees and business owners who want to save money on a regular basis.

You can accumulate a certain number of coins each month based on your financial capacity, and you can sell them at a later point if you need to liquidate your assets.

Silver Bars

You can put a large sum of money into such silver bars and effortlessly save for the future. Silver bars are in high demand on the market, so you won’t have any trouble selling them later.

You can choose silver bars instead of coins by looking for the greatest bargains in the market from reputable vendors.

Banks are unlikely to sell them since they are big, and banks prefer to sell only packaged coins that have been certified by reputable sources.

Different Investing Options In Silver

Commodity Market- Silver Futures

You can still invest in silver through the commodity market if you aren’t interested in buying physical silver. The investment required will be slightly greater than normal silver, and you will be required to pay a percentage of the contract’s total value.

Silver futures are a simple way to bet on the price of silver growing or falling without the difficulties of owning physical silver. You could even take physical delivery of the silver, though this isn’t the most common motive for futures traders.

Make sure you have enough money to cover any additional costs that may arise as a result of fluctuations in the price of silver on the international market. You can easily sell the futures at a later date before they expire if you make a good profit.

E-Silver, which may be purchased on the National Spot Exchange or Multi Commodity Exchange in the same way as shares and stored in a de-materialized form, is the finest option to invest in silver.

How to Buy Silver in India?

Silver coins and bars can be purchased both online and offline. Silver coins are sold by almost all banks. If you are interested in buying silver in paper form, you can check the MCX website for more details.

Online/Shops

Silver coins from branded jewellers are available from a variety of online popular shops. These offer a variety of imprints (artwork) and dimensions to pick from, as well as savings on orders. The things sold on these websites, on the other hand, are frequently very expensive. The rates will be higher if you buy coins with specific designs on them.

Different Investing Options In Silver

Banks

Customers can acquire silver coins directly from the most reputable banks. They sell certified silver coins and bars, which can be purchased in various weights. If you buy in bulk, you may be charged a processing fee. Prices will be based on current exchange rates, and you may be required to pay a modest premium for the certificate and/or artwork.

MCX

You must use the services of a broker who is a member of the commodity exchange to invest in silver futures. You must pay an initial margin to the broker prior to trading. That is, you must pay a percentage of each transaction you make on the exchange. In general, these futures have minimal margins.

Conclusion

Always keep in mind that the price of silver in India is influenced by worldwide financial markets. Other worldwide markets may experience a surge or decline, depending on the market. And this has a direct impact on silver’s pricing. You must be aware of market fluctuations and manage your investments accordingly.

What Is Cyber Insurance?

Cyber insurance is a type of insurance that protects organizations from the effects of cyber-attacks. After a cyber-attack/breach, it assists an organization in mitigating risk exposure by setting expenses. To put it another way, cyber insurance is intended to cover the fees, expenses, and legal costs involved with cyber breaches that occur after an organization has been hacked, as well as the theft or loss of client/employee information.

A typical cybersecurity insurance policy, also known as cyber risk insurance, is designed to protect businesses from cybercrime such as ransomware, spyware, and distributed denial-of-service (DDoS) attacks. Costs of privacy investigations or litigation following an assault could also be included in the claims.

What is covered under Cyber Insurance?

The coverage protects the insured’s bank account, credit card, debit card, or mobile wallet if money are stolen as a result of a cyber event/hacking of the insured’s bank account, credit card, debit card, or mobile wallet by a third party. It also covers defence costs for claims made against the insured by a third party who has been a victim of identity theft fraud.

• The policy covers defence costs for claims brought against the insured by a third party or an affected party as a result of the insured’s hacked social media account.
• It covers the costs of prosecuting the stalker. Malware-related data restoration costs are covered by the coverage.
• It also protects against phishing attacks. The policy safeguards against the fraudulent use of a bank account, credit card, debit card, or e-wallet by a third party to make online purchases.
• The policy covers financial losses incurred as a result of a faked email attack, as well as the cost of prosecuting the culprits.
• It covers defence costs in defamation/invasion of privacy claims brought by third parties as a result of the insured’s publication/broadcasting of any digital media content.
• It protects against extortion losses as a result of the cyber extortion danger and reimburses the cost of prosecuting criminals.
• Because of the high demand for new cyber insurance products due to the ever-changing nature of cyber-attacks and new difficulties, general insurers must continue to strive to create custom-made products based on the model policy wordings and recommendations offered in the text.
• Insurers should carry out the foregoing aims in a fair and useful manner for policyholders.

What is not covered?

Prior notice of a fact or circumstance that has been accepted by the previous insurer is excluded.

Exclusions with Full Severability: The knowledge of one Insured Person is not imputed to another, and only the knowledge of the Organization’s Chief Executive Officer, Chief Financial Officer, or Chief Operating Officer is imputed to the Organization.

An insured’s fraudulent act or wilful breach of any such law or regulation.

Mechanical failure, progressive deterioration, electric disturbance, media failure or breakdown, or any malfunction are all examples of mechanical failure.

Should you buy Cyber Insurance in India?

Business executives are becoming more anxious than ever about hackers and other data security breaches, with cyber intrusions and data breaches seemingly dominating the media on a daily basis. This global threat is compounded for accounting firm CEOs, who are faced with the dual problem of not just preserving their own information, such as a business, but also safeguarding the information of their clients.

Any security violation in your company’s technology can cost you money and, worse, cause mental distress. As a result, it’s always a good idea to cover your company with the best cyber liability insurance policies in order to deal with any ramifications that may arise as a result of any technological security difficulties.

IDFC Sterling Value Fund

The IDFC Sterling Value Fund Direct Plan-Growth manages assets of 3,990 crores (AUM).

The 1-year growth returns for the IDFC Sterling Value Fund Direct Plan are 86.56 percent. It has returned an average of 17.80 percent per year since its inception. The fund is ranked number 1 by the CRISIL rating agency.

The Scheme uses a value investment strategy to achieve capital appreciation via a diversified portfolio of equities and equity-related assets.

The fund is invested in Indian stocks to the tune of 96.53 percent, with 23.64 percent in large cap stocks, 19.43 percent in mid cap stocks, and 44.62 percent in small cap stocks.

Investors with a strong understanding of macro trends who seek to make selected bets for higher returns than other Equity funds. At the same time, even when the broader market is performing better, these investors should be prepared for moderate to large losses in their investments.

Nippon India Value Fund

The Nippon India Value Fund-Growth manages assets of 4,200 crores (AUM).It has had an average yearly return of 16.57 percent since its inception.

The scheme invests actively in equity/equity-related assets, primarily in value companies, in order to gain a capital appreciation and/or provide consistent returns. The NAV of Nippon India Value Fund for Sep 15, 2021, is 121.46. The fund has a 4 Star rating by Value Research rating agency.

Value funds are commonly utilized as a part of long-term investment portfolios that can grow steadily over time. As a result, investing in a value fund is frequently associated with diligence and patience.

The fund is invested in Indian stocks to the tune of 97.48 percent, with 50.16 percent in large-cap stocks, 19.03 percent in mid-level stocks, and 10.66 percent in small cap stocks.

ICICI Prudential Value Discovery Fund

The ICICI Prudential Value Discovery Fund-Growth manages assets of Rs 21,778 crores (AUM).

ICICI Prudential Value Discovery Fund had a 1-year growth rate of 59.52 percent.

It has returned an average of 20.37 percent per year since its inception. The fund invests 90.37 percent of its assets in Indian equities, with 75.22 percent in large-cap stocks, 8.92 percent in mid-level stocks, and 5% in small-cap stocks. The fund also invests 2.36 percent of its assets in debt, with 2.37 percent in government securities. The fund has a 4 Star rating by Value Research rating agency.

By investing largely in a well-diversified portfolio of value equities, the program aims to achieve returns through a combination of dividend income and capital appreciation. ICICI Prudential Value Discovery Fund’s NAV on September 15, 2021, is 238.01. CRISIL has ranked Number 2 for the fund.

Templeton India Value Fund

The Templeton India Value Fund-Growth manages assets worth 576 crores (AUM). By employing a value investment approach, the program aims to provide long-term financial appreciation to its Unitholders.

It has had an average yearly return of 16.31% since its inception. Templeton India Value Fund’s NAV on September 15, 2021, is 388.69.

The concept underlying value investing is that the market has some inherent inefficiencies that allow companies to sell at prices below their true value for a variety of reasons. In these markets, value fund managers are able to spot inefficiencies. The fund is ranked No. 2 by CRISIL.

UTI Value Opportunities Fund

UTI Value Opportunities Fund Direct-Growth manages assets of Rs. 6,545 crores (AUM).

It has returned an average of 14.67 percent per year since its inception. The goal of the strategy is to achieve long-term capital appreciation by investing primarily in equities and equity-related instruments of companies with a range of market capitalizations. The NAV of UTI Value Opportunities Fund for Sep 17, 2021, is 107.01. The fund has a 4-star rating from the Value Research rating agency.

Disclaimer

Mutual fund investments are exposed to market risks; thoroughly read all scheme-related materials. The NAVs of the schemes may rise or fall in response to variables and pressures impacting the securities market, such as interest rate variations. The recommendations and reviews do not guarantee fund performance and should not be interpreted as a judgment of the creditworthiness of a fund or its underlying securities.

Buy Zee Entertainment Stock, says Sharekhan

Sharekhan has set a price target of Rs 310 on the stock of Zee Entertainment with a buy call, as against the current market price of Rs 256.

Recently, the largest shareholder of Zee Entertainment, Invesco demanded a reconstitution of the board, with the removal of three directors and appointment of six independent directors. “We await greater clarity at the Extraordinary General Body Meeting and monitor closely whether Punit Goenka continues as MD & CEO of the company considering the promoter family’s low holding (less than 4%) in Zee Entertainment. We believe irrespective of any development relating to Punit Goenka would be considered positive among investors, though the continuance of Punit Goenka as MD & CEO would evade any shot-term hiccups in business,” the brokerage has said.

“We believe shareholder activism would be a key re-rating trigger as this could alter the board/management, increase in cash conversion and improve efficiency of capital allocation,” Sharekhan has said.

The brokerage has also stated that the FY2021 free cash flow of Rs. 1,342 crore stood at 75% of EBITDA, implying a strong improvement in cash conversion over previous years. “We expect earnings to report an 18% CAGR over FY2021-FY2024E. We maintain a Buy on the stock with a revised price target of Rs. 310, given reasonable valuations and expectations of improvement of corporate governance standards,” the brokerage has said.

Buy GNA Axles, Says Sharekhan

Sharekhan is also bullish on the stock of GNA Axles. According to the brokerage the company is well placed to benefit from sharp improvement in commercial vehicle sales across geographies and healthy outlook for the farm sector.

“GNA is witnessing strong traction from domestic and global original equipment manufacturers, driven by recovery in US’s and Europe’s CV market and India’s tractor market. The outlook remains positive with strong recovery expected from FY2022E and FY2023E, driven by normalisation of economic activities. Operating profit margin would expand due to operating leverage and cost-control measures. We have increased our earnings estimates for FY2022E and FY2023E by 1.4% and 9.4%, respectively, and introduced FY2024E estimates,” the brokerage has said.

The stock is trading at P/E multiple of 13 times and EV/EBITDA multiple of 7.6 times of its FY2023E estimates, which is slightly premium to long-term average multiples. We believe the premium valuation is justified, given upcycle in the domestic CV segment and healthy growth momentum in exports and farm segments. We retain our Buy rating on the stock with a revised price target of Rs. 948.

Disclaimer

The above stocks are picked from the brokerage report of Sharekhan. Investing in equities poses a risk of financial losses. Investors must therefore exercise due caution. Greynium Information Technologies, the author, and the brokerage house are not liable for any losses caused as a result of decisions based on the article. Please consult a professional advisor.