If you want to invest in the mentioned smallcase, check out: link.smallcase.com/RQjdXiBTGib Create your own small case today!: link.smallcase.com/YFpIQMmDbhb ****** Trivia question: Why can't the government let DSIB's go bankrupt? Answer) While there are multiple answers to this question. A few key reasons would be: 1. People will lose faith and there will be something called as "Bank RUN". This is disastrous for any Economy. Recently such a case happened in Lebanon. 2. Banks lend to each other. If one important bank goes bankrupt, the other banks might follow. This was depicted in 2008 crisis-- therefore, the FEDs stepped in and saved.
I am new to the stock market. Every stock that I bought so far, I was out of luck because I bought them when they were expensive. I feel I missed out on all the stock opportunities so far for the tech stocks.I believe having 75K yearly income would be a good investment so I want to plug all my savings into the stock market. I know this sounds a bit dull but I would like to know if I should learn investing or let somebody else (more capable like a Fin-Advisor) do it for me? Please share your thoughts. I am kind of tired of searching for a good stock to buy and losing all the good opportunities.
@williamdavid5393 please who is the expert guiding you? i have lost so much as a beginner🥺 investing into stock without a proper guidiance of an expert.
@williamdavid5393 Thanks, I just searched her up on google and I'm super impressed with his qualifications. Have contacted her through her webpage to hear what she has to say about my situation.
Hey akshat just stumbled upon your channel amidst my MBA prep , each of your videos are adding exorbitant value to me daily .Thanks for putting such high value content here man .
Nice content. Really appreciate the fact you make good research about good stocks to invest in and Am also making a lot of good grands with information that comes from your video.
HDFC vs Kotak- tough call. Have both in my portfolio. But I would select Kotak because of the immense value unlocking potential. Kotak AMC, Life insurance, General Insurance, brokerage businesses and others are not yet listed separately. Equitas vs Ujjivan- Equitas PNB vs SBI- SBI
Would love to see more economics related videos - especially macro concepts and their correlation to the stock market. Interesting topics include how currency movements affect the stock market, or how interest rate shifts affect inflation and markets.
It's not about trust, ICICI Kotak and HDFC have 10k and 15k minimum balance criteria + hidden charges that are too costly for tier 2 and tier 3 city people. Not every one has 10k just lying around for keeping minimum balance....
in bhai sahab ke jaise youboober na jaane kitno ka paisa dubwayenge...Akshat i m curious..did you leave your job gracefully or get in a tiff which metamorphosised from your know it all attitude?
Hey Akshat, Why don't you make a series on "Investing in Stock Market". This would be really helpful for those who are willing to enter the market in terms of trading/investment but don't know from where to start. I am also in that group 😜
DSIBs have a large market share and they handle majority of the financial environment and have a huge client base. So if they go down, it will affect a lot of people and in a way it will be a big blow to the economy. So that is a major reason DSIBs are highly guarded by the govt. The DSIBs are SBI, HDFC bank, ICICI bank. This is my knowledge about the topic, if I am wrong, please correct me.
Hi Akshat , I am doing a SIP in below ETF's Nifty 50 Nifty bank Nifty IT Nifty Junior Should I continue it please help me with your suggestion It would be greate if you come up with a video about ETF's
Friend's don't compare PSU bank with private bank. PSU Bank serve thousand common people and doing little business. Private bank serve high value customer and doing huge business, so you may find their services are good and also think about their service charges
According to me kotak mahindra is best as hdfc bank lost it's glory with Aditya Puri's exit. In psb's SBI is best than PNB interms of customer base, market share and charges it make on CASA accounts .Even in latest quarter the non interest income stood almost 50% of interest income and it is leader of all psb's.
If a big Public Bank would go bankrupt overnight, it'll most probably lead to crippling of Indian people's confidence in our Financial system and everybody would run to get their money out of their banks.. It won't be possible as banks are not holding all of the money that they've taken from the people as majority of it is already in big company's hands who've borrowed it from banks to expand, hiring and improving or increasing their respective business..
SBI : Because I have recently openend an account with them and I love their services also Contactless deposit is something I liked. Atleast this bank is better than other PSU bank 🏦
I think this decade is for major private banks as market share of govt banks will decrease as govt is focusing more on disinvestment I am bullish Hdfc bank icici bank idfc first bank ☺
Not all Indices, FII's/DII's/Big Individual investors pouring large amount of money in to Large cap blue chip stocks in nifty 50, that's why it's going up and up. But all other sectoral indices are falling/consolidating..
Hey Akshat, I have been watching your videos for two months now and it is a great learning experience for me! thank you for your easy to understand methods! And for picks, I would go for 1. Kotak 2. Equitas 3. SBI (personally found that recently their customer service is good in terms of availing net banking facility and it was done on the same day)
@@bhavishya187 I do agree fundamentally Equitas is better. But taking into consideration the current price level, I find Ujjivan a better buy but only for risky investors
Hi, Akshat another great video, I've gotten hocked to your channel lately. Thanks for uploading these kinda videos they help a lot in understanding the investing mindset that people are lacking these days. Thanks.
@@learnmore1889 i am a banker as you must have guessed. And I have worked in many cities. Most of the time we get up 10 mins late for lunch and get back 10 mins earlier. Sometimes we also work through lunch because it can't be helped, and then when we go for lunch after lunch time, customers tell us that lunch time is over and how are we still having lunch. For God's sake. It's lunch. Food. A necessity. Don't make faces if someone is doing a necessity for survival.
@@weatherwings your food is ofcourse necessary sir but I wanted to outline the problem of the common people who gets stuck in long cue. Don't get me wrong you must be indulgent sir but I have had some terrible experience with psu banks. I have been harassed for no reason whatsoever by the bankers. I'm not making it a blanket statement but few banker are there who really take a lot of time during lunch time and waste the same as well.
@@learnmore1889 i agree with you. However times are changing. New generation is changing the face of PSU banks. We work hard and justify our salary and perks. All we demand from the public is respect. We are hampered by many issues which the outside public don't know or can not understand. Like bad connectivity, lack of proper vendor support regarding hardware machines, being forced to perform tedious govt tasks which do not bear any profit. Still we do it . We also go to banks on off days as there is a dearth of staff in almost all branches which is due to poor man management from the top officials . So all I am trying to say, next time you go to a PSU, keep all this in mind before you judge the person sitting at the counter.
Invested in HDFC, Kotak for swing trading n Equitas. Done a depth analysis on Equitas after watching your video. My Day wont end just by signing off from my workstation, its actually ends by watching your video. Just like Zayn m also having son who is 3 yrs of age n m investing for his future. Keep up the Good work. God bless.
Why Banks are Important - Banks increase velocity of money i.e help in circulation of cash leading to economic growth. Key types of Banks: 1) PSUs: Public Sector Banks (Govt. Owned) +ve_Trust by public, -ve_Mismanagement 2) Private Banks: Certain pros over PSUs. 3) SFB: Small Finance Bank Provide small loans e.g. loan to vendors, cycles, bikes 4) Neo Banks: New Age Banks Digital Banks, Directly competing with Private Banks because of digital operation. 🔺Key Trend🔺 #1 - 20% of population does not have internet access. Implies neo bank growth when access available. #2 - Digital Transactions - reduce black money.
Am invested In #PNB For ( Revenue+ Book Value + Massive Reach out ) #BoB ( Book value + CASA) #SBI( Govt Business )! #CBI ( Loan Book + Book Value) #Yes( Digital banking + SBI trust + Massive Reach out vs others Pvt bank ) #SouthIndia Bank ( Book value + reach out in Kerala + Karnataka + Tamil Nadu + Andhra + Telangana ) Ujjivan Small Finance Bank ( Revenue )
Already invested in HDFC Bank & Equitas, ...SBI vs PNB, I think SBI is better.....HDFC bank has been consistent compounder for many years now, I am not sure if it will stay so for next 10 years...but definitely market values HDFC more than ICICI. As far as Equitas is concerned, they need to expand beyond South India...but their valuations and management looks good, and their tie up with Niyo also looks good..so overall bullish on this bank. Have not read about Ujjivan....so looking forward to part 2 of your video.
Homework Answers: 1. Among the private banks, HDFC is better than Kotak in terms of Cost to Income Ratio, and NPA. 2. In the small finance bank sector, I have a different bank in mind, Bandhan Bank. 3. And In the public sector, the answer is easy, SBI. Among all the banks in India, people have the highest trust in SBI and has been managed better than the other public sector banks.
Woah Akshat ! I've been watching your videos back to back since a week. It's addicting and insightful. Would love to have you as my investment mentor. Please share if we can connect with you. :)
I would invest in HDFC and Kotak Both, No PSU Because too much government involvement which force these banks to settle bad billionaire boys NPA, in nbfc i would go with equtas
Hdfc bank more safe and stable is more preferred. However Kotak is second preference in private sector banks. Equtas small finance bank provides better service is prefered. SBI is rapidly changing on Digital technology and high growth is preferred than PNB.
Banking sector mostly relies on 'TRUST' . If any major private sector bank goes down , the citizens of the country will lose their trust on other private Indian banks , eventually causing them trouble , which will be a massive blow to the Indian Economy.
Private sector banks have better service than PSUs lol hahaha .. I laughed very hard here Let me tell my small story here, I honestly like SBI a lot for their services it basically suits all my needs and I have never been disappointed. I firstly opened my bank account in SBI, it was fairly painless, 1 single bank visit with 1hr of wait and I had my account open with net banking also. On the other hand, there was a necessity that I had to open an axis bank account, that was a f**king joke man, I had to visit the branch nearly 35 times ( the branch was almost 30 km from my house) just to get the account opened, no one literally cared about anything in the bank. This was an absolute nightmare! If it wasn't that necessary I definitely wouldn't have taken so much pain in opening the account in Axis bank
Automatically every business will be falling, big reason will be there Automatically all dependent countries will be alls effectived and stock market will be crashed 😳. By 2040 there will be a huge market crash will come it would be worse than 2008 us market crash. Again us market there are gluten
I think SBI is highly undervalued, its balance sheet is four time that of the HDFC but still its market cap is one third Of the hdfc. Could you please explain. Why SBI is not valued like it private counterpart?
1st questions why govt. Save dsib as 1. they have a large deposit base which will result in a havoc. 2. They are systematic important if they go down it may result in cascading effect which will result in systematic failure kind of 2008 a crisis where a lot of bank were saved. 3rd if a bank fail it will result in a big impact on economy.
The government cannot let banking slide because they are systematically very important for the economy as they control the flow of credit nationwide. Moreover, all banks are interconnected, so if a major bank say, HDFC falls, it is inevitable that the rest of the banking system will collapse as well. (source: my notes from your video on Fundamentals of stock analysis for beginners) :)
Hey akshat I want to start in share MKT but now a days mkt is very High .may I wait that mkt will come down and then start When will mkt will fall and how much will come down can you tell mkt will fail up to 14000. Or. 15000
1. HDFC BANK BECAUSE EARNINGS ARE 3X HIGHER THAN KOTAK MAHINDRA BANK AND PE IS LOWER. 2. I USED TO THINK THAT UJJIVAN CAN POST HIGHER PROFITS BUT IT POSTED HIGHEST EVER LOSS THIS QUARTER SO NOW I AM STUCK IN THE STOCK. I WILL PREFER EQUITAS EVEN IF IT HAS GONE UP 200% SINCE LAST YEAR. 3. PNB... NO DOUBT SBI IS THE BIGGEST BANK OF COUNTRY BUT I THINK FROM AN INVESTOR'S PERSPECTIVE, SBI HAS ALREADY GONE UP A BIT SO I WILL PREFER PNB AS IT CAN GIVE ATLEAST 100% GAIN IN THE NEXT 1 YEAR.
Akshat you mentioned about one company which provides services to bank on their transactions/digital platform? Not able to find that video, can you help in pointing that video or the company name? Thank you!
From my view point I like ICICI, IDFC First and Ujjivan Small finance bank. I don't like HDFC bank and Axis bank from end user point of view. Can't think to invest in Kotak Mahindra Bank because of its over the head valuation.
Sadly have lost hope in banking stocks after yes bank and DHFL fiasco, but surely the banking sector will grow, so have just bet on hdfc bank, as I trust mr puri, and even kotak because of uday kotak
how the Yes Bank type of banks could keep velocity of money sir? how to identify Rana Kapoor like persons in all over the banks. This video is good enough for confused investors like us.
Hey akshat answer for ur first question why banks are being saved by govt during bankruptcy? Answer : generally everybank is interlinked (in terms of money) with one another by provding inter bank loans to one another(commonly known as interbank lending markets ).so collapse of one bank will have an dominos effect on the other from which it has taken loans or shared its money . So govt intervene to save them from bankruptcy to prevent the dominos effect and stabilise the other banks
If govt not taken proper action on any bank if that bank is going to bankrupt,then the people's believe will go off on banks then no one will put money in bank,then money rotation will not happen then the entire system will collapse because all the money sitting idle in the people's almirah... there's no use if money sitting idle...that is why govt has taken immediate action on yes bank,if govt did not respond the entire system would have collapsed,,this is what my understanding Akshat... correct me if I am wrong..
Indian government can't let bank go for bankruptcy because if one bank goes down then they are more likely that other bank will also go down as banks also lending money internally and no country grow economically without bank. Sweet & Simple :)
In terms of psu you missed the gem of public sector bank which is not talked much about which is IOB indian overseas bank a good balance sheet and a good management. And improvement in finances also.
hey akshat, , please make video on your investing/trading habits.How you determine to choose or unchoose a stock in different sector.What analysis you perform.
1) HDFC bank : PE ratio is good compared to kotak, earnings are more, also has a higher reputation than kotak 2)Equitas: Because you suggested LOL 3)PNB
You are talking about banks which are too bog to fail as they will create havoc amongst the depositors, RBI has also bailed out Lakshmi Vilas bank in a back door deal done with DCB without disclosing any details of the deal thus leaving all the shareholders in the lurch. The best part is that no one has even raised voice on any social media platforms
