eMudhra Limited IPO Snapshot

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 About the Company:
eMudhra Limited (EML) is engaged in the business of providing services like issuing certificates, digital signature certificates, SSL/TLS certificates and device certificates, a portfolio of digital security and paperless transformation solutions, mobile application security, website security testing, etc. The company has strong digital signature certificate expertise and is the only Indian company to be directly recognised by renowned browsers and document processing software companies such as Microsoft, Mozilla, Apple, and Adobe, allowing it to sell digital identities to individuals and organisations worldwide and issue SSL/TLS certificates for website authentication.

Objective of the Issue:

The net proceeds from the IPO will be used for the following purposes –

  • Repayment or pre-payment, in full or in part, of all or certain
  • Purchase of equipment and funding of other related costs for data centres proposed to be set-up in India and overseas
  • Funding of expenditure relating to product
  • Investment in eMudhra INC for business development, sales, marketing and other related costs for future

 

Competitive Strengths:

  • Largest licensed Certifying Authority in India
  • One stop shop solution provider in secure digital transformation
  • Technology certifications, accreditations and membership in international bodies
  • Partnerships with leading Indian and global channel partners
  • Diverse, longstanding and growing customer base

 

Risks & Concerns:

  • International operations expose the company to complex management, foreign currency, legal, tax and economic
  • Changing laws, rules and regulations and legal uncertainties in India and other countries may adversely affect the
  • Significant competition from both established and new companies offering trust services, digital security and paperless transformation
  • Rely on data centres for efficient functioning of technology platform and any interruption or delay in service may adversely impact the
  • Continuing negative cash flows may adversely affect the business in the

 

Paradeep Phosphates Ltd. IPO Snapshot

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About the Company
Paradeep Phosphates Ltd. (PPL) is primarily engaged in manufacturing, trading, distribution and sales of a variety of fertilizers such as DAP, three grades of Nitrogen-Phosphorus-Potassium (“NPK”) (namely NPK 10, NPK-12 and NP-20), Zypmite, Phospho-gypsum and Hydroflorosilicic Acid (“HFSA”). It is also engaged in the trading, distribution and sales of Muriate of Potash (“MOP”), Ammonia, Speciality Plant Nutrients (“SPN”) and City compost. PPL’s fertilizers are marketed under key brand names such as ‘Jai Kisaan – Navratna’ and ‘Navratna’. The Company was incorporated in 1981. Zuari Maroc Phosphates Private Limited (“ZMPPL”), a joint venture of Zuari Agro Chemicals Limited (“ZACL”) and OCP Group S.A. (“OCP”), currently holds 80.45% of the equity share capital of the Company, with the balance being held by the Government of India.
PPL distributes products across 14 states in India through various private and institutional channels, as of March 31, 2022. As of the same date, it has set up a network of 11 regional marketing offices and 468 stock points in 14 states across India. Its network comprised 4,761 dealers and over 67,150 retailers, catering to five million estimated farmers in India.
The net proceeds from the IPO will be used for the following purposes –

Objective of the Issue
To part finance its funding needs for part financing acquisition  of Goa facility (Rs. 520.00 cr.)
Repayment/Prepayment of certain borrowings (Rs. 300 cr.) General Corporate Purposes

Risks & Concerns
Dependence on the performance of the agricultural sector.
Business is subject to climatic conditions and is cyclical in nature.
Operates under regulated environment, so any change in government policies could adversely  affect our business.
Shutdowns in our manufacturing facility or underutilization of manufacturing capacities could  have an adverse effect on the business.
Any delay to acquire the Goa Facility or any acquisition, joint venture or partnership may have an  adverse effect on the business.

Venus Pipes & Tubes Ltd. IPO Snapshot

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About the Company:
Venus Pipes & Tubes Ltd. (VPTL) is engaged in the manufacturing and exports of stainless-steel pipes and tubes. VPTL is mainly engaged in manufacturing stainless steel tubular products in two broad categories – Seamless tubes/pipes and welded tubes/pipes. VPTL is currently manufacturing 5 product lines under these two categories (i) stainless steel high precision & heat exchanger tubes (ii) stainless steel hydraulic & instrumentation tubes (iii) stainless steel seamless pipes (iv) stainless steel welded pipes and (v) stainless steel box pipes (“Products”).

Brand “Venus” under VPTL supplies products for applications in diverse sectors including (i) chemicals (ii) engineering (iii) fertilizers (iv) pharmaceuticals (v) power (vi) food processing (vii) paper and (viii) oil & gas. The company has one manufacturing plant which is strategically located at Bhuj-Bhachau highway, Dhaneti (Kutch, Gujarat) having a capacity of 10800 MT/annum. Post completion of the expansion, its overall capacity will stand enhanced to 24000 MT/annum.

Particulars (Rs. Cr.) FY20 FY21 9 Months ending FY22
Total Revenue 179.32 312.03 278.28
Profit After Tax 4.13 23.63 23.60

Competitive Strengths:

  • International Presence, Accreditations and product approvals
  • Specialized production of Stainless-Steel Pipes and Tubes
  • Customer Diversification
  • Multi-fold demand of the Products
  • Experienced and Qualified Team

Risks & Concerns

  • Dependence and customer concentration on top ten (10) customers
  • High competition from other large and established competitors, reduced prices, operating margins, profits and further result in loss of market share
  • Inability to effectively utilize manufacturing capacities
  • Inability to raise additional capital for current and future expansion plans leading affecting business prospects
  • Adverse effects of pending outstanding litigations

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Delhivery Limited IPO Snapshot

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About the Company:
Delhivery is engaged into Logistics services, including delivery of express parcel and heavy goods, PTL freight, TL freight, warehousing, supply chain solutions, cross-border Express, freight services, and supply chain software. The company also offers value-added services such as ecommerce return services, payment collection and processing, installation & assembly services, and fraud detection. The company has proprietary technology systems that enable it to offer integrated Logistics services to a wide variety of customers. Its technology stack consists of over 80 applications for all supply chain processes. Its 164-network infrastructure includes 124 gateways, 20 automated sort centres, 83 fulfilment centres, 35 collection points, 24 returns processing centres, 249 service centres, 120 intermediate processing centres, and 2,235 direct delivery centres as of June 30, 2021. Thecompany has engineering, data sciences, and product team of 474 professionals. The company served a diverse base of 21,342 active Customers across e-commerce, consumer durables, electronics, lifestyle, FMCG, industrial goods, automotive, healthcare, and retail.

Particulars (Rs. Cr.) 31-Mar-20 31-Mar-21 31-Dec-21
Total Assets 4,357.31 4,597.80 8,429.48
Total Revenue 2,988.63 3,838.29 4,911.41
Profit After Tax -268.93 -415.74 -891.14

Risks & Concerns
Interest Rate Risk –
Exposure to the risk of changes in market interest rates relates primarily due to borrowings with floating interest rates.

Price Risk – Surplus funds are invested in various debt instruments, debt mutual funds and fixed deposits which are susceptible to changes in the interest rates or market yields.
Such changes may impact the return and value of such investments.

Foreign Exchange Risk – Exposure to the activities involved in foreign exchange revenues pose a risk from volatility in foreign exchange prices.

Credit Risk – The company is exposed to credit risk primarily through trade receivables and investing activities.

Liquidity Risk – Lack of liquidity for business operations may pose a risk for discontinuation of business operations resulting in revenue loss.

Federal Reserve Delivered 50 bps Rate Hike

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  • The Federal Reserve delivered the biggest interest-rate increase of 50 bps since 2000 and signaled it would keep hiking at that pace over the next couple of meetings
  • The Fed has announced that it will start reducing its huge $9 trillion balance sheet, which consists mainly of treasury and mortgage bonds.
  • Core inflation is at elevated levels and inflationary pressures have been broadening out.
  • Headline Personal Consumption Expenditure (PCE) inflation for February came in at 6.4% on a 12-month basis.
  • Durable goods inflation, particularly in autos, accounted for slightly more than one-fifth of total PCE inflation in February.
  • Geopolitical events pose downside risks to growth.
  • The U.S. economy entered a period of uncertainty with considerable momentum in demand and a strong labor market.
  • Powell’s remarks have given a further lift to the US markets, as he dashed speculation that the Fed was weighing an even larger increase of 75 bps in the months ahead.

Outlook & Conclusion
Inflation has been accelerated by a combination of robust consumer spending, chronic supply bottlenecks and sharply higher gas and food prices, exacerbated by Russia’s war against Ukraine. Core inflation is likely to remain elevated in the coming months. The Fed said it would allow up to $48 bn in bonds to mature without replacing them Starting June 1, that would reach $95 bn by September. Its balance sheet would shrink by about $1 trillion a year at September’s pace. Jerome Powell has said he wants to quickly raise the Fed’s rate to a level that neither stimulates nor restrains economic growth. Higher rates indicate higher loan rates for many consumers and businesses over time, including for mortgages, credit cards and auto loans. The central bank hopes that higher borrowing costs will slow spending enough to tame inflation and not so much as to cause a recession. The rate hike was very much anticipated in case of US and Brazil unlike India which surprisingly hiked rates by 40bps on 4 May 2022, well before the monetary policy in Jun 2022.

Wedding Finance Planning You Should Be Doing Now Before Proposing

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You’ve had all your life to dream about your perfect wedding, and it’s normal to want the absolute best. Everyone starts that way—at least until their dreams run straight into the brick wall of their budgets. Questions such as “how to keep your finances in order before getting hitched?” or “how much to spend on an engagement ring?” are not the most fun to think about, particularly when you feel so deeply in love, but they are some of the most important questions you have to ask yourself before proposing. It’s not just about how many people attend or how nice a cake is served at your reception, it’s also about how much the wedding itself will cost and how it impacts you and your partner’s long-term financial goals. If you plan to invest in a house, start a family, or take an extended vacation after the wedding, keeping a close eye on your wedding expenses is essential.  While it’s okay to go over your budget a little bit for that perfect dress or venue, you should try hard not to cross into irresponsible spending territory. You want your wedding to be a memorable day for all the right reasons; not something you’ll be paying off for years to come. Financial strain is one of the most common reasons for divorce. Start your wedding on the right foot by doing your research and planning how to balance your dream wedding with your financial plans as a couple. In this article, we take a look at three questions you must ask yourself before planning your wedding.

How Much Can You Spend?

Before anything else, you have to nail down a budget. If you don’t, it’s easy to get lost in the wedding planning process and, before long, your dream day becomes a budgeting nightmare. Your spending plan should be a combination of two things: an overall budget for how much money you can spend on everything from invitations to flowers, and a separate line item budget for each major section of your wedding. For example, you might decide that, given a wedding budget of $30,000, $5,000 is the most you can spend on food and catering, while another $1,000 has to go towards decorations for the reception hall. Spend some time thinking about what elements are really important to you so that when it comes down to making final decisions you won’t be tempted to spend more than you can afford. It’s also useful to identify family and friends who want to help with the wedding costs. While you don’t want to rely on them for everything, a little help from your parents and siblings can go a long way towards easing some of the financial pressures. Be sure not to expect anything without asking first. These conversations can be awkward, but they’re necessary to prevent even more awkward conversations later on. It’s better to know how much others can chip in at the outset, rather than finding out they can’t help as much as you were hoping for down the road.

What Can’t You Live Without?

Once you have a ballpark figure for how much you can spend on your wedding, it’s time to start planning and making decisions. No matter what financial guidelines you set for yourself in advance, some costs are inevitable when getting married. If you’ve decided that certain elements are non-negotiable for your wedding day but don’t fit in with your chosen budget, then it’s time to make some cuts elsewhere! This is the time to be ruthless. If you are working with a limited budget, you’ll have to make hard decisions. What matters more to you? Your bride’s wedding dress or the reception? Do you value professional photos more or a live band? It’s okay to change your mind along the way, but having a clear idea of what you want from the start will keep you from going over budget when it comes time to cut costs. Once you have your plan in place, start saving up. Don’t wait until the last minute to sort out financing—even if you’re paying for everything yourself, it’s important not to get caught off-guard and find yourself scrambling at the eleventh hour!

Does Everything Make Sense?

Now that you know how much you can spend and which parts of your wedding are non-negotiable, you can begin to plan exactly what kind of wedding you have. Do your research and look out for any hidden costs. Don’t be afraid to make changes if you feel they don’t make sense for your budget. Check everything against your budget and revise as necessary. Once you’ve finalized your plans and budget, it should all start making sense! A few small tips that can help you plan the perfect wedding while remaining financially responsible are:
  • Stick to your budget as much as possible and avoid using your credit cards
  • Open a separate banking account for your wedding expenses
  • Watch for any special wedding deals and discounts
Creating a spreadsheet might also help you keep track of your wedding plans and make sure that you’re staying on budget. You’ll be able to see exactly how much money each element costs and which parts of your wedding are most important to you. At the end of the day, it’s about taking a realistic look at what matters to you most when planning your perfect wedding. Don’t forget to have fun along the way—two people in love getting married should be something special, no matter how much money you have!  Even though it’s hard to know where to start when you’re faced with a big, overwhelming project like wedding planning, getting organized early on will make things less stressful in the long run. Keep these tips in mind and you’ll be able to handle any curveballs along the way!

Which is a Better Index to Invest In?

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When choosing a passive fund to invest, the selection often comes down to major  two options — Nifty50 funds and Sensex funds. Both the indices fall under the large  cap category but have indistinctive differences. 

These major difference arises in the composition of the comparable indices. Sensex  is made up of 31 top stocks while . 

So, the question pinned here is which one should ideally choose for investments? 

Going by the history, the decision doesn’t signify in the long run. If one looks at data of the last decade, both Nifty and Sensex have delivered almost similar returns at  around 265% and 267% respectively. Even if the light is focused on the short period,  the returns aren’t much different too. During the last year, Nifty has up trended 52% and Sensex has risen 50%. 

There are various stocks that dominate both the indices may be the reason why the  difference in components does not brings varied returns. If one looks at the  composition, the top stocks which enjoy larger weightages are more or less the same  in both the indices. The unique stocks are on the low weightage side and hence do  not have much impact on the performance of the indices. 

The other question arises here that is there any difference between the both from investment perspective? 

The lower concentration risk is the one and only factor that makes Nifty50 a slightly  better option. The broader the index, the lower is the risk of concentration. It’s  not suggested to choose a least diversified index that brings high concentration risk. 

However, it isn’t again a major affecting constituent. The Nifty is governed by the  stocks that attribute in Sensex as well. The remaining stocks in Nifty carry lower  weightage often less than 1% and hence have marginal hold on the index’s  performance. 

VSRK don’t suggest one over the other. Seeing through the past data, there’s hardly  any difference in returns.

Become a Crorepati with 15*15*15 Rule

Become a Crorepati with 15*15*15 Rule

The title seems to be a calculating mistake or some kind of an exaggeration. But when we talk  about the Indian stock markets and its returns, these quants seem to be digestible. One can  easily amass a gigantic corpus of Rs 1 crore if you invest only Rs 15K per month. Lets’ discuss  the rule of 15x15x15 and the compound interest mantra behind the success of investment king “Warren Buffet”. 

The magic of compounding and the statement title can be easily explained with the help of an  example further. Assume an investor is investing Rs 15000 per month for 15 years and  generating 15% rate of returns. This will result in the accumulated wealth of Rs 1.00 crore (Rs  1,00,27,601). SIP Calculator. Not only this, as per  compounding principle, if we apply the same returns and same contribution for 15 more years 

i.e. 30 years in totality, the amount which an investor will accumulate increases further  exponentially. The rule 15*15*30, as they call, helps you accumulate Rs 10.38 Crore (Rs  103849194). SIP Calculator. Double the time period with  doubling the investment amount but the return is tenfold. 

This is the power of compounding. As per the rule, if one invests Rs 15000 per month via SIP in  equity mutual fund that generates an average 15% returns, the investor is likely to become a  Crorepati. The total investments for 180 months of Rs. 15k each turns out to be Rs 27 lakhs.  The periodic investments generate the profit of Rs 73 lacs. 

Similarly, if the young investor increases the period by another 15 years, the wealth increases  10 times. Thus, amount invested in 30 years is Rs 54 lakhs i.e. Rs 15000 for 360 months and the  Profit earned above investments is Rs 9.84 Crore. 

This effect clearly says the earlier the better. The sooner one starts investing; the more wealth  one can accumulate with time. Love begets love, similarly, money begets money, and its progeny can generate more. Compounding gives a multiplier effect to the invested amount whereby the  initial capital gets interest for the first year, and in subsequent years, even the interest  becomes the principal for the upcoming years which generates more interest in addition which  makes it more powerful and lucrative. 

To conclude, we can say that, compounding is a long-term strategy. VSRK suggests mutual funds  because of the features such as flexibility of switching from category to other, redemption at  any time if required, a high degree of transparency, and most importantly, the simplest means  to play in the equity market. To take advantage of compounding, all you can do is to start  investing in the early years of life.

The Market is Mounting the Bull; The Economy is Yet to Get Back to The Pre-Covid Level

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At present, the investors seem to be anxious about IPO flood in the equity markets. At the  happening hinge, with valuation cycles, a sensible investor will focus on sectoral valuation, as  investing in growing businesses may swirl towards losses, if incorrectly valued. 

Today, end-user segments like staple, finance, retail, chemicals, information technology and  metals, look extremely overrated sectors which are not advisable. Considering investing in  domestic-centric businesses linked to the cyclical segments of the market can mark the market both reasonably and attractively valued.  

Talking about the present market condition, understanding valuations between different sectors  and stocks is possible with the price to book valuation matrix which easily gives an understanding  of where the market stands. As the earning cycle is picking up massively, Nifty’s price to book  valuation could extend to the tune of 1 lac till 2030. Earnings growth orbit will be the vital construct in the next five to seven years.  

Perceiving the current valuation across market segments hinting at some corrections. Digital and technology-related sectors look extremely over-valued with no returns to brace. In continuation  to this, ESG, Electric Vehicle and specialty chemicals can liquefy materially in the near future. 

Sectors which seems to be performing in the future are pharma formulations, auto & auto ancillary and banking. Since the real estate sector is picking up, consumer goods linked to the  home improvement segment will gain. There comes the concept of early cyclical sectors makes the economy on the uptrend.  

As an amateur principle, 70% could be allocated in equity and balance 30% in debt. It is advisable  that within equity, 20% may be invested in pharma & healthcare, 50% in multi cap funds, 20% in  balanced advantage funds and another 10% in small cap funds. 

The position of the mutual fund industry can be depicted from the mid cap and small cap  segments. Multi cap funds have defined allocations across market caps, which can be a fruitful in the next few years for making reasonably good risk-adjusted returns over the long term. 

The roaring, powered by a surge of cash untethered by central banks and the rise of individual  investors, eager to buy a chunk of their favorite companies. The listings and record  oversubscriptions of the pulsating universe have witnessed record oversubscription and listing  gains. 2021 is all set to become the biggest year for primary markets in terms of fundraising.

Should I Invest in an IPO

Should I Invest in an IPO

Many new and existing investors have been disappointed for unable to subscribe to the much talked Zomato IPO, a first by a Food Tech startup? One has not been able to grasp the opportunity because of the question that should one invest in an IPO or Buy after its listing on the Exchanges?

Huge liquidity in the economy and a horde of investors to invest given Indian businesses a raise of Rs.27.5 crores through an IPO in 1st half of 2021. Various Indian businesses are lining up for an IPO in the next few months boosted by the IPO stocks successfully listed in 2020. Gearing as much as 400% since listing in many cases and the uptrend of the stock market inject investing in an IPO an exciting opportunity for investors. With Zomato’s successful listing, there are some big names going public before the end of the fiscal year. Here are a few reasons to consider investing in the IPO.

Enjoy the first come first serve advantage. Investing in an IPO, one gets the opportunity to buy shares of a business with a high potential to grow at a lower price. The IPO is a chance to make a short-term profit and increase your wealth in the long term. What’s more, the share prices may rise sharply after listing on the stock exchange. 

Fulfill your long-term objectives. Equity investments are likely to offer high returns in the long term. When investing in an IPO, one must wait for momentous gains. The amount earned in a few years will help fulfil financial goals. And, if you’ve managed to pick a worthy, you will near to buy your dream home.

The prospectus includes transparent information about the company, its valuation, the number of shares offered to the public and the price per share. As an investor, one has access to real information. However, once listed, share prices vary based on dynamic market changes and the best price stockbrokers can offer.

Buy at a bargain price and earn big later as the IPO price band is usually the lowest a business offers to the public. In some cases, companies offer their shares at discounted prices, which is why many investors invest in an IPO. If you miss out on the investment, the stock prices may rise sharply, and you may find it hard to buy. 

Does this mean that IPO is always the right choice? VSRK says, it is not always peachy-keen, as there can be an IPO that failed and did not offer the returns investors expected for each successful IPO. If one is not afraid of the wait and watch the play, then waiting for the stock to list on the exchange would be just your cup of tea. In such cases, buying when the shares are cheap makes perfect sense, but investing when prices vault-up means paying more for unworthy.