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Debt Securitization: how does it benefit the loan seller, ESOPs: advantages & disadvantages, CSR: what if a company does not spend anything?

www.drvijaymalik.com has a section dedicated to answering queries from readers: “Ask Your Queries”. Over time, many readers have asked their queries related to many aspects of stock analysis and sought clarifications about investing. We have responded to these queries as replies to their comments. “Q&A” series is an attempt to share the queries & their

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Interest Rate Risk for Financial Institutions: A Simple Guide

Interest rate risk (IRR) for a financial institution is similar to changing raw material costs for a manufacturing organization. If a financial institution like bank, nonbanking finance company (NBFC) or housing finance company (HFC) is not able to manage interest rate risk properly, then it runs the risk of running into losses just like any

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Asset Liability Mismatch: Why do NBFCs & Banks knowingly create it?

The current article provides responses related to the query: Why do finance companies use short term funds like commercial papers (CPs) and current/savings account (CASA) for giving long term loans and create an asset liability mismatch? www.drvijaymalik.com has a section dedicated to answering queries from readers: “Ask Your Queries”. Over time, many readers have asked

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Does quality of borrower show on quality of lender, PE ratio

The current article in this series provides responses related to the following queries: Does the quality of borrowers reflect upon the quality of lender? Why some stocks have low P/E ratios? Does the quality of borrowers reflect upon the quality of lender?  Hi Dr Vijay, It is always a good learning reading your analysis on

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Q&A: DHFL, KRBL, HMVL, Shilpi Cables & Others

The current article in this series provides responses related to: Reader’s (Krishnakumar) inputs about Dewan Housing Finance Limited Clarifications on analysis of: Shilpi Cables Technologies Limited, KRBL Limited, Hindustan Media Ventures Limited Queries on assessment of management quality of companies Clarifications about analysis of Cash Flows & Profitability of any company Lump sum or staggered

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Q&A: South Indian Bank, Nucleus Software, Gold ETF & Others

The current article in this series provides responses related to: A reader’s (Hari Balaji) views about South Indian Bank Limited A reader’s (Sridhar Govardhanan) views about Nucleus Software Exports Limited Use of enterprise value in stock valuation Clarifications about gold exchange traded funds (Gold ETFs) Sources for finding production & capacity utilization information for a

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Q&A: Manappuram Finance Ltd

I have been asked by many readers of www.drvijaymalik.com about my views on various aspects of Manappuram Finance Ltd. These queries have varied from: Advice on entry price, holding or exiting the stock at certain prices, Business assessment, Impact of regulations and policy decisions like Gold Monetization Scheme Allegations of insider trading and management assessment

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Follow My Portfolio with Latest Buy/Sell Transaction Updates

  • Historical annualized return (CAGR) of the portfolio 34.16% against CAGR of Sensex of 11.35%
  • We identified companies, which were later invested by Sanjay Bakshi, Mohnish Pabrai, PE funds, Mutual Funds
  • See details of stocks in our portfolio
  • Get updates of buy/sell transactions in our portfolio by email

"Peaceful Investing": My Stock Investing Approach

“Peaceful Investing” approach is the result of my more than a decade of experience in equity markets. This approach helped me invest even when I had a full-time corporate job and could not spare a lot of time for stock analysis. During my investing journey, I have faced all the common challenges of the investors, the biggest one being “scarcity of time”. “Peaceful Investing” approach keeps in mind that an investor will have limited amount of time to spare for stock investing. 

The objective of “Peaceful Investing” approach is the selection of such stocks, where once an investor has put in her money, then she may sleep peacefully. Therefore, if later on, the stock prices rise, then the investor is happy as she is now wealthier. On the contrary, if the stock prices fall, even then the investor is happy as she can now buy more quantity of the selected fundamentally good stocks.

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