By -
Image
SumanSpeaks Independent Capital Markets & Geopolitical Intelligence  |  sumanspeaks.blogspot.com Travel & Hospitality · Turnaround Watch Easy Trip Planners At ₹5.78: The Hotel Business Is Growing Faster Than The Old Business Is Shrinking Near its 52-week low, EaseMyTrip is quietly turning into a different company than the one that listed in 2021 — and the next few quarters will decide whether that transformation shows up in the profit line. Easy Trip Planners Ltd trades around ₹5.78, with a market capitalisation of approximately ₹2,300 crore. That is close to its 52-week low of ₹5.74. At first glance, that looks like a stock the market has simply given up on. Look closer, and a more interesting picture emerges. The balance sheet is clean. Revenue is still growing. And one part of the business — hotels and holiday packa...
Post a Comment
By -

 Ujjivan Small Finance Bank: A Healthy Growth Trajectory

I have taken some shares of Ujjivan Small Finance Bank Ltd (Rs.42.72) for my portfolio clients near the CMP for T: Rs.52 and Rs.65. SL: Rs.37.

Strong Deposit Growth: Ujjivan Small Finance Bank has demonstrated robust growth in its deposit base during the April-June quarter. The bank's total deposits surged by 22% to reach Rs.32,500 crore, indicating strong customer confidence and trust.

Expanding Loan Portfolio: The bank's gross loan book also witnessed a significant increase of 19% year-over-year. The bank reported loan disbursements of Rs.5,305 crore in comparison to Rs.5,284 in the year-ago period. The gross non-profit asset percentage was at 2.3%.

This growth reflects the bank's ability to effectively cater to the credit needs of its target customer segment.

Healthy CASA Ratio: The CASA ratio, which measures the proportion of current and savings deposits, is a crucial indicator of a bank's financial health. 

In this case the CASA ratio—the proportion of deposits that come from low-cost current and savings accounts—rose to 25.6% from 24.6% in the year ago period. A higher CASA ratio suggests a stable and low cost of funds, since lenders don't usually give any interest on current account deposits and the interest on saving accounts is low. This is expected to improve further, as the RBI is expected to cut the Repo rate in the next meeting.

Why Invest in Ujjivan Small Finance Bank?

Strong Growth Prospects: The Indian small finance bank sector is poised for significant growth, driven by the increasing financial inclusion of the underserved population. Ujjivan Small Finance Bank, as a leader in this space, is well-positioned to capitalize on this growth.

Diversified Loan Portfolio: The bank's focus on lending to micro, small, and medium enterprises (MSMEs) and individuals provides a diversified loan portfolio, reducing risk.

Experienced Management: Ujjivan Small Finance Bank is led by a seasoned management team with a proven track record in the microfinance industry.

Government Support: The Indian government has been supportive of the small finance bank sector, providing favorable policies and regulatory frameworks.

Promoter/FII Holdings: Promoters held 73.52% stake in the company as of 30-Jun-2024, while FIIs owned 24.68% and DIIs 7.33%.

Overall, Ujjivan Small Finance Bank's strong financial performance, coupled with its focus on the growing Indian microfinance market, makes it a compelling investment opportunity.

Comments

Post a Comment

Popular posts from this blog

By -
Image
Hikaru Nakamura and Atousa Pourkashiyan: A Checkmate in Love – A Grand Union Forged on the 64 - Squares.... Introduction: Hikaru Nakamura, a name synonymous with modern chess, is a prodigy-turned-legend whose brilliance has redefined the contours of the game.  A five-time U.S. Champion, his fearless strategies and dynamic online presence have made him an unparalleled force in the chess world. In 2023, however, the grandmaster made headlines for a personal milestone: his marriage to the courageous and equally accomplished chess player, Atousa Pourkashiyan. Atousa, a Women's Grandmaster (WGM), is a celebrated chess player and a symbol of resilience. Her bold decision to compete without a hijab during the 2022 World Rapid and Blitz Championship became a landmark moment in the global spotlight. This act was a direct expression of solidarity with the Mahsa Amini protests in Iran, where women have continued to fight against oppressive mandates, demanding the freedom to choose their attir...
Read more
By -
Image
Critical Red Flags at Rajesh Exports Ltd – Shift to Z Group Signals Deep Governance Issues. ~Sumon Mukhopadhyay. ------------------------------------ Company: Rajesh Exports Ltd (Rs.180.35). Date: January 5, 2026. Subject: Non-Compliance Leading to Z Group Classification and Investor Risks. =============== Executive Summary: A Major Regulatory Warning: As of early January 2026, Rajesh Exports has been reclassified into the Z Group (BZ Series) on both BSE and NSE. This punitive category is reserved for companies with serious compliance failures. The primary trigger: Persistent delay in submitting the Reconciliation of Share Capital Audit Report (required under Regulation 76 of SEBI's Depositories and Participants Regulations) for multiple consecutive quarters, including those ended June and September 2025. This isn't just administrative oversight—it's a serious red flag indicating potential mismatches between issued shares, demat holdings, and company record...
Read more
By -
Image
SYRMA SGS Technology Ltd (Rs.611); P owering Growth Through Data Centers and Medical Devices with Its New Pune Facility. Introduction : Syrma SGS Technology Ltd (Rs.611) is making strategic moves in high-growth sectors such as data centers and medical devices, positioning itself as a leader in the electronics manufacturing industry.  The company's newly inaugurated Pune facility is set to become a key driver of revenue growth and market expansion. This development not only supports Syrma’s commitment to the data center and healthcare industries but also enhances shareholder value through innovation and scalability. Photo : Business Line. ---------------------------------- Key Facility Details: Revolutionizing Operations Facility Scale: Spanning 26.5 acres, the new campus is designed to support 1.20 million square feet of manufacturing space, with 60,000 square feet operational in Phase 1. Investment : ₹150 crore in Phase 1, with further investment planned to scale operations. Job C...
Read more