I borrowed education loan on 2008 to 2012 ..and got good paid job in abroad…my monthly salary 75% of my total education loan. then I realized later 2018 I paid 100% more interest from borrowed loan… many of my friends still not paid.. they earned 20times from their job …
Hi sir , I appreciate your contratian view on banking and finance . But there are more positive opportunity are ahead like 1. Low npa 2.lowering inflationary situation which will result in falling interest rate 3. Low valuation for private sector banks and few nbfcs 4. Growing economy and consumption story of India 5. Debt opportunity for all classes of people
Strong comments. Sometimes, we do not like to hear which are against our thought process. But these are vital as they give different perspectives and balance our irrational aggression. Thank you, sir . I will closely follow up on this.
Very helpful and nice video about Bank, nbfc current issues... Many times, i used loan for my assets.. home loan, land loan and personal loan.... Always paid earlier the loan.. Beauty is when you have paid principal earlier, thr loan tenures reducing automatically.. Many banks now giving OD kind of loan.. so that you can pay extra money park in loan account rather than saving account...
Banking systems as you said struggling to get corpus to run. Reason is normal people interested in keeping their funds in SIP or other investment scales.
Sir, there were times when corporate take loan from banks fail to pay back due to their industry instability Nd it caused double failure, corporate and banks. Now, post COVID, Modi government says to corporates go to the equity market for money. Banks are focussing on retail loans where repayment is high . To give you a number Yes Bank LCR ratio was 37% during 2019. Today it is 117%. Full marks to RBI and Modi government for handling banks better in the last 5 years.
Dear Sir, I appreciate your bold views on Banking sector. (Mostly challenging views). But in your Boring stocks portfolio, you r having HDFC Bank n ICICIBANK. It seems contradictory between your current views n your investment strategy of boring stocks Portfolio
I was wondering how HDFC is forced to give instant cash return of Rs 1000 for a debit card transaction. Note Debit card not credit card. If giant like HDFC faces this situation as u said what about other small banks. Really a tough situation for banking sector.
Sir, nice insights on Banking sector. Your analysis is amazing🎉🎉 We would like to hear about the sectoral analysis like this (not only about the current situation but also the 360 view on each sector). Please make it as a separate series which i think it will be a unique content in RU-vid. Not to mention any stock names in each sector, but sector analysis will be a very good learning for us.
Banking sector growth is directionally proposed to GDP growth. If you believe that india grows, Banks will grow. Bond market borrowings are to provide required fund for banks.
For recovery of NPAs Banks have to face somany hurdles at present due to Govt/RBI policies and Courts. Govt should come out with innovative initiatives and give free hand to Banks for recovey of NPAs without Court interventions.
NDA government reduced corporate tax structures but it doesn't give benefits to common people. Rich people have become richer and poor people have become more poorer.
Market hasnt given price appreciation for certain NBFC & small finance banks though they are giving continuous good results because there are hidden problems are their which big players knew it already...Only thing to improve banking & finance sector is to give corporate lending for that they need to do capex for that demand has to be there going forward we can see how things are getting shaped up
சார் கடந்த மூன்று ஆண்டுகளாக 25 to 45 வயதுள்ள மக்கள் mutual fund பக்கம் திரும்பி உள்ளனர், அதிக வளர்ச்சி சார்ந்த முதலீடுகள் பற்றி அதிகம் சிந்திக்க ஆரம்பித்து உள்ளனர், எனவே BANK CASA குறைகிறது, ஒரு வேலை MUTUAL FUND பற்றி இனிமேல் எதிர்மறை நிகழ்வுகள் அல்லது எண்ணங்கள் வந்தால் மறுபடி CASA உயரலாம், என்பது எனது கருத்து😊
சில வருடம் முன்னாடி pharma ல API, Grams, CDMO Chemical ல speciality chemicals, Agro Chemicals, EV manufacturing chemicals என்னென்னமோ சொன்னாங்க அவங்க இப்ப எங்கே தெரியல இப்ப Mid Bank, Small Bank Small finance, Micro finance இவங்க எல்லாம் என்ன ஆகுராங்கனு பார்ப்போம்
சார் எனக்கு gold loan 4 lakhs இருக்கிறது நான் இப்போது ஆந்த 4 lakhs சை ஆடைப்பத இல்லை investment செய்து ஆதில் வாரும் லாபத்தை கொண்டு கடனை அடைப்பதா என்ன செய்வது சொல்லுங்கள்
Hi sir, Konjam use agura mari videos podunga pls. 3 yearsa unga channel ah parkuren. 10% videos than use ah eruku. 90% oru sarakkum illa sir. Ippudi eruntha eppudi sir. Pls message improve pannunga.
