Best Stocks for next 15 years | ఈ ₹7 Stock తో, ఏం చెయ్యాలి? అందరు ఈ Stockని ఇందుకే కొంటున్నారు!

0:09 Good morning Money Persons, welcome to the Ask Money Show and today's first question is being asked by Manikanth. Hi Sagar, What's your Ryan Quality Power? It's been getting a lot of buzz lately, and there's a reason for that, as it's company-related. Fundamentally, look at their client base . We're seeing a fantastic client base. What they mean is that they supplied us with various products from the power transmission industry . And the products they supply are also very niche products. They supply products in two categories . See here on the screen, showing you the overall range of products that they manufacture and supply. Even though you see them as Transformers, these are not regular Transformers, but very niche Transformers. So, management is saying that there is actually a very good demand for them, and management is commenting that many companies globally have locked up their capacities

0:57 . And the guidance is also super bullish. They say that while the revenue they generated last year was 337 crores, they will generate a top line of between 700 and 850 crores in financial year 26 . And when it comes to CPEX, they have seven manufacturing facilities in India and internationally. When their single facility is live, their capacity will be nine times what it is now, compared to the current capacity, the management is saying. And the capacity there is going to be live by Q2 FY27. And their Korchi facility is there, their capacity is actually going to be double. It is going to be live in Q3 FY26. But the management is saying that overall, when all their capacities go live and run at peak utilization,

1:43 they will hit a revenue of Rs. 2000 crores . After an acquisition, they acquired a company called Mehro. The management says that the company generates a revenue of Rs 500 crores on a stop line basis and that if they have a quality power business, they can generate revenue of up to Rs 1,500 crores from here. Overall, if we look at it, there is a very good demand not only in the domestic market but also globally for power related products and since they are applying niche products, the management says that they are seeing a good demand and that is why we are doing acquisitions and acquisitions related to that, as the positive sentiment develops in our market, the stock price is also growing very well and the management is saying that they are going to make a profit of Rs 100 crores in the financial year 26. If not,

2:29 even if everything looks positive, the first thing we need to know is that the valuations are not as favorable as they used to be, but the stock has run up quite a bit. So, if you look at the valuations, whatever growth we have in terms of power, it will continue to grow for a few more years. I think that there are few power companies that can provide you with reasonable corrections anywhere, but you can still write this wave. Otherwise, please be a bit careful where valuations become expensive . Before answering the next question you sent, a small reminder. If you find the information shared in the video helpful, don't forget to like the video. Many people are asking where to ask questions in the comments section below this video. Even if it's in another video, just write your question continuously as shown on the screen by the Hata Ask Money person.

3:16 Your questions will reach us. Our next question is asked by Raghu garu I am doing SIP in Tata Digital India Fund SBI Contra Fund Nippon Small Cap Fund for long term with moderate risk update but I am assuming my portfolio is at high risk category so is my balance correct or should I need to make any changes thinking to stop Tata Digital SIP and start SIP in Parak Parak Flakkap or ELS or split between these two please suggest first thing and then why ELSS because many people have now gone into new tax return so we will not get much benefit from ELSS. If you are stuck with an old tax return, S-ELSS is also a good option. Now coming to you, you say that you operate on a moderate risk basis, do you feel that way? If not, have you answered any of the risk-based operating questionnaires ? And

4:04 my suggestion to the rest of the viewers is that you fill out the risk assessment questionnaires available online . After filling that out, it will give you the proper result . This means that whatever risk update you have, every investor who invests in the stock market will think that I am a high-risk category investor . Okay, high risk means that as long as the market is growing, stock prices will remain in the high risk category . But when the stock price falls, when the market falls, their actual risk is revealed, and their behavior is revealed. So it is always better if we show you the risk questionnaires online at Merase Mutual Fund. It is on their website. Nippon AMCI has a website. One Guard AC also has a website. Fill out

4:50 the risk update questionnaire on any platform of your choice, and it will clearly show you what your risk update is . And even if you do, fill out that questionnaire once. After filling it out, you can make a decision based on the risk update . If you are a moderate risk-taking investor, then yes, it is better because sectoral investing is actually not set up for moderate investors. Because if we make a wrong call due to sectoral calls in moderate investing, we actually have a lot of volatility and in fact there is a possibility of seeing negative returns for a long time. So it is always better for moderate investors to switch to a flexible kind of fund and that is my suggestion for the rest of the viewers this Sunday. Okay, whatever your risk update question is, fill it out and don't forget to comment in the comments section below, whether you got a high risk update, moderate risk update, or conservative risk update.

5:36 Our next question is that the viewer didn't mention his name, in fact, Kalpa of viewers is also asking. Coming to the question, I have been following you since the Corona period and I have gained a lot of financial awareness and knowledge thanks to Money Purse Channel videos. Truly grateful for the consistent value share. I want to ask you regarding Sadhana Nitroke. The stock has been falling continuously over the last six months. I am curious if there is any hidden news or internal development that we might not be aware of. Would love to hear your thoughts on this and whether it's better to exit from it at current levels to escalate more. Hey, let's talk about hand training. Before that, let's talk about the last three years. Before that, let's put all this aside. If I had talked to you about the stock idea, it could be a defense cycle. Access

6:22 Gates has increased almost 300 to 400%. Then asset management wealth management companies like Nippon have increased almost 400%, Noma has increased almost 200%. Wababug has increased in water theme. In textiles, we have Gokaldas. Recently, we have private banks, healthcare diagnostics, and ideas in the last one year. Almost all these cycles can be picked up at the right time and fortunately, cycles also play and benefit a lot of people. But this cycle has gone wrong. When the company released its exchange filing, they said they had figured out the pop process in the nitrobenzene route and were the second company in the world. I really found it interesting because I like innovative companies. And then I started doing my research, in terms of the company and also my network, when I

7:10 researched from everyone, I found that the promoters were doing caps and also the equity capital was raised, after that when that capital was raised, investors also came, many famous investors came and then the promoters raised capital through debt and the reason for raising debt is that if you want to do capex, you need a lot of money, so then they are talking about flow chemistry, so all this will go on the right track and in fact the company will almost start production and do business very well. In fact, this is not just one product, they also manufacture other products. Overall, everything was fine, but suddenly that Chinese dumping started. Actually, we talked about Chinese dumping, but what happened in the case of butt pop is so extreme that it is being traded at Rs. 00 per kg. That dumping

7:58 last time I bought it, I heard that it will sell for 80 pieces per kg, which means that if it is less than the manufacturing cost, it will be dumping. Whoever these pop manufacturers are, we have a valiant organist. You see, you understand. It can be a practice. There can be many players on the unlist. Every day, they have struggled a lot. In fact, I said okay, this dumping will stop at some point. Things will go better because they have innovation. I am waiting. But last, last few days, we are seeing pressure in the stock. It is not just because of dumping. I feel that the promoter is wrong. This is what I am anticipating. This is what will happen. The promoter has pledged. What happens if the stock price of those pledged shares is set? Okay,

8:44 whoever the lenders are, they will trigger the margin . So I think the margin trigger would be after selling. I will get some of the other learning from every investing idea and the learning from this idea is that there are high risk high reward ideas that are all in the same name, high risk high reward, but when the high reward is there, it is okay, but when the high risk is there, many people cannot take it. Okay, when the reward is played, some may appreciate it, some may forget it. That's okay, I don't care much about it. But when it comes to actual risk, people will start talking in a different level. Okay, maybe on social media, maybe the people around us will forget what kind of

9:32 benefit they have gained over a period. In fact, many reports also tell us that a 300-400% return is much higher than a 30-40% loss. The pain it gives is actually greater for many people . That's clearly what I see in actuality. So, my personal opinion is that it is better not to share such high- risk, high-reward ideas. I think it is OP because many people think that maybe by sharing, maybe they will get more views or more money. Maybe if they get 5000,000 more views, those who run a YouTube channel know that 5000-10,000 will make 2000-3000 rupees. Okay, I don't work on that. My personal opinion is that if you see the same thing on

10:19 our channel, show us a channel that works so consistently on our channel and shares such ideas back to back and back to back before everyone else. Show us a channel that works so consistently on our channel and shares them before everyone else. Not in any other language . You will not find people who share openly how openly that why I share that is if the reward is played okay that whatever the return is, let's talk about it first. If such things come as a return, a pillow for school fees, if not for school fees, if not for paying off someone's debt, if not for some other financial need, it will be helpful to someone. I came from the middle class. I know that when such a workout is done, it will be beneficial, right? Our grandchildren will get the benefit. That's why I share it. But the problem is that when the risk is played, unnecessary noise,

11:06 psychological unnecessary pressure is created. So that has put me in big confusion. That is, whether I should actually share or not. Even I want to ask you guys, let's ask that too when talking about this. Such a high risk high reward. If you have any ideas, should I talk about them or not? Because you tell me, I will take my own call based on how most people feel about them. But the problem is that when these don't play, one doesn't play. When they don't play, it creates a lot of pressure. Okay, if you ask me, there's no problem. Now, if you ask me, I'll happily answer any questions that come up. Okay, I know. But even more than the question,

11:53 people write a different thing, people behave differently, and that's okay anyway. Coming to me, I'm still holding it, it's not that I'm anticipating recovery. It's not that this is it. I don't know if I will take credit when that reward comes, but when a problem comes, I will be the first one to take the bullet. So I feel okay. I am not exiting because I know that some of my friends and family may have invested. I have invested, so I have to take more losses than them. I know that I have taken more profits by taking losses, but if I take losses, I have to take more losses. That is how I am. So I am leaving them like that and I don't know how. When things like this happen, some people look at themselves in that magnifying glass and say, "Okay, it would be

12:43 better if you did this or that." But I will tell you one thing. Those who are mature investors understand that a 100% success rate in equity investing actually comes down to two people. Some are God and some are liars. Okay, in fact, if you compare them with everyone else, they have done a lot better. Okay, and this is what it is. So, related to practice, I feel that the cycle is completely wrong. I don't know if it will ever recover. So, based on this, you guys can take the call. Again, I don't know. Now, immediately, access related. Many people ask. They ask all this. There is a lot of positive things happening

13:29 so if I am holding them I will talk even exit related. If you remember Dreamfox related, almost two years back when the risk play started, I have openly shared that I am exiting and I will share openly like this. But from now on, whether I want to share openly about personal investments or not, you share it, I will take my call based on the opinion you share. After I did this shoot, a rating agency called Infomerics Ratings released a credit rating report. They covered everything in detail, from the actual business to the challenges present and the liquidity position. Please try reading this report once. Our next question is being asked by Shekhar Kammula. Thanks for sharing this information on new tax limits. I am an IT professional in the highest tax bracket. Post Covid

14:16 my in-laws are staying with us every month my father in law sends a fixed amount as pay with remarks labeled as miscellaneous for the month and writes the name of the month. Even when I say there is no need for it, I should not have to pay tax on these amounts. You do not have to pay tax on the amounts you receive from your parents or in-laws. And in fact, when he actually makes the payment, instead of writing it as a normal casual gift, whatever the expenses are in the miscellaneous family, those are small amounts that are related to the expenses, so there is no need to tax it related to that. If we have any income coming from third parties, if it is consistent and regular, we will have to show it as income tax related, but we do not need to pay tax on small amounts coming from parents or in-laws

15:01 . Our next question is being asked by Chaitan Reddy and I am looking for sectors which we should focus on for the next 10 to 15 years. Normally, any sector is cyclical in nature and will remain so for a long term. If we talk about sectors where we can invest consistently for 10-15 years without worrying too much, one is consumption. The reason for consumption is that tax cuts are going to benefit us, which will improve our spending culture. And not only that, but income levels are also increasing. With urbanization, the consumption sector is the biggest beneficiary for us. So that is one sector where we can look for 10-15 years and another one is health. Health care is another sector where we can anticipate such longevity growth.

15:48 In the other sectors, we will have a cyclical nature. So as long as that cycle is playing, it's okay, but exiting when the cycle peaks out plays a very important role. If you want to invest in funds, these two sectors would be better if you have a long-term call . Our next question is being asked by Bhargav. The rest of the viewers should also listen carefully because such misselling happens a lot in the market. Many people continue without knowing it and end up wasting their money . I will read his question first . Hello sir last year my wife took Max Life Insurance policy with limited pay at that time she was pregnant but the agent rushed things and did not include this in the form of notice it till now the policy is due for renewal this month and I am worried will these missing dates cause any problem later if we have to make any complaint should

16:37 I inform the insurance company now or leave it as it is please guide me on what to do next and good that you have notice now actually if you have given notice during the free look period your premium would have been refunded but ok fine at least after the first year you were able to give notice most people do not give this notice because when the policy document comes Without reading the whole thing, they put the biros on the same seal and the cover. So I appreciate you for that and the rest of the viewers, read your policy document because of this. A lot of such things happen in the market due to misselling. So because of that, when the claim comes tomorrow morning, all the premiums we have paid and the entire purpose will be wasted. Now coming to Bhargava, when it comes to the solution, if it comes to the First Insurance Company, see if there is a branch near you. Go to the branch and

17:22 give them an official return letter. Tell them that this happened and ask them whether you want to continue this policy or not. Take official communication with them. If they officially continue and say there is no problem, it is better to pay the premium and continue. But since the insurance policy is a contract, such amendments cannot be made because this is the case under which we have hidden the fact. Suppose that the claim comes tomorrow morning. Unfortunately, it will be an advantage for those at that time. But still, go to them and write this officially and give it to them. They will say okay, officially, content the policy. Otherwise, I know it's a loss and that you have paid a high premium in limited pay. Otherwise, it is

18:08 better to cancel the policy now than to continue the policy and pay the remaining premiums and then face the problem. So, if you do not receive an official letter from them, cancel the policy and take a fresh new term insurance policy and do not take it even if it has limited payment. Many people think that because of the limited pay, they will complete their premiums quickly and they will also pay less premium. This means that regular pay costs us less than actual limited pay. If we are also considering all these things like interest cost, then you should also read your policy documents once . If you feel that you have missed a fact anywhere, take the related corrective steps immediately and Bhargava garu, this is the solution for you.

18:55 Coming to my suggestion for today's Sunday Funday, I watched a fantastic series . That Mad Unicorn is streaming. If you haven't seen it, it's a must-watch series, especially for those who are interested in entrepreneurial stories. Just because it's an entrepreneurial story doesn't mean it's boring, it's very engaging. However, if you were to watch it in Kids, you would have to skip a small part of the first episode, where the hero works as a tour guide for a Chinese person . Apart from that, the rest of the series is very clean and good. I really enjoyed watching the series. Check it out after a long time. Our next question is from Gupta. Hi bro. Thanks a lot for the knowledge sharing. I am following Jais Wellness stock. Interested in this business. I want to add it to my

19:41 portfolio. Can I know if it is a good decision? My second question is while following this stock. I found one more stock. Consumers are the stock corrected well and valuations are also good. The portfolio is short and cute. And the recent acquisition of beauty brand is also interesting. Can I invest in the stock instead of Jais Wellness? I am confused between both. The stocks can you please give some clarity. Both are very good companies. If we compare the two, let's first talk about Jay's Wellness. The product portfolio that Sajais Wellness has is fantastic, no doubt Complaint, Glucondi, Ever Youth, Nice Hill, Aim Light, Neutralite, and their recent acquisition Max Protein, all of which are actually doing well. The

20:27 management of Infact Max Protein is commenting that they will even touch the 500 crores stop line. And in terms of stock, the reason why Silas Wellness has been making a buzz recently is because the news that Parag Parak Mutual Fund is acquiring a stake of over 7% has created a buzz in terms of stock. In fact, many investors are rushing out and buying. But there's one thing I thought I'd say. So if this Parag Park style of investing matches your style of investing, then you ca n't hold it again because Parag Park's style of investing is that they buy deep value stocks, whatever they have, and they don't look for immediate growth triggers. They enter early and wait, waiting for many years, thinking that the total will grow, and when the growth comes and the valuations become a little more expensive, they start trimming from the portfolio. They have a very patient approach. So

21:14 many investors don't have that approach. So if you buy them and run around and buy them, you might see a return even after two quarters, three quarters, or one year because if there is no growth, the market will not appreciate. If you look at the last five to six years, these two stocks haven't created much shareholder wealth . Because that lack of growth has a major impact. Management is saying that they have taken many steps and are bringing growth. If they bring growth, it's definitely good and in terms of day-to-day businesses, there's no doubt about it. They are very good businesses, cash-generating businesses. The only thing that concerns me is that if that growth comes, we as a shareholder will also make money. Second, if we look at Bajaj Consumer Related, the majority of the revenue

22:00 comes from that product, which is Bajaj Almond Hair Oil. And the recently acquired Banjaras brand has a very good presence. But again, the biggest problem here is that if you look at their margins, you can see that for the last many years, we have no growth in their top line, the margins are falling, then automatically what happens to the bottom line? The bottom line falls, and as soon as the bottom line falls, we also see that pressure in the stock price. So if you have the patience, I will wait. If urban consumption picks up, those stocks will go up. So if I think I have the patience to wait, there is no doubt in terms of companies. They are fantastic companies. In fact, they are actually strong companies. If you ask me to compare these two companies, I prefer Zydus Wellness more

22:47 than Bajaj Consumer because Bajaj Consumer is related to Esbanza's acquisition. Okay, it's a good acquisition, but I have to see if they will bring growth. If they bring growth and stabilize their margins and grow their margins, then it's good. So try to track them at that time. Interesting companies for sure. Both are trading cheaply in terms of valuations . Sorry, not cheap, but both are trading at slightly attractive valuations compared to previous valuations . But again, if we have the patience, fine, otherwise, it would be a better option to track and enter when we see growth. And I forgot one point related to Jay's wellness . Well, for the majority of the portfolio, we see good sales in the summer time, so this summer is actually a short summer for us, the

23:34 rains fell early, so there is clearly a possibility of an impact on this summer-related portfolio . So it would be better to make a decision after looking at the quarter-one numbers . Our Next Question viewers did not mention his name. He is asking me to talk about the Sai Silks Kala Mandir . They released their recent quarter one business update . If it's in stock, you'll see the bus. Because we all know when the festival season comes, October, November, December, and for us, Sankranti falls in this period, January, February, and March. Since the majority of the festivals fall during that time, we will see if those quarters actually have very good numbers in their business . We don't see such a big growth in Q1 and Q2. As per their recent business update, they delivered 42% growth in Q1 alone.

24:21 They released an exchange filing in the business itself. That's why we saw a boom in the stock. In addition, if we look at the actual promoter shareholding pattern before this, we can also see that the promoters have bought. So, with the promoters and promoter families buying and also the growth, that confidence is also building in terms of the stock. The same is clear to us in terms of the present stock. Management is also saying that with this business update, they have added another new store, bringing their total store count to 69 stores . They are saying that they are going to expand in four stores . And they are saying that they are going to add the SFT of 65,000 to 68,000 SFT stores as an addition in FI 26. Currently, they are running stores in 7,16,000 sq ft

25:06 . And they are saying that whatever new edition they are doing, the majority of the new edition will be made in stores where Varamahalakshmi Cells is located . That is their high margin business, which is what their KLM stores are, that is a drag. Actually, their margins are actually lower through KLM stores . So the management is saying that they won't do any expansion there. That's a really good decision from the management's side because wherever Draeger is part of the portfolio, they are also doing capex. That's not a good sign, is it? So wherever there is a high-margin business, they are doing capacity store count edition and all that . That's really good and with these new store editions they've done, they're giving management guidance that they'll see 15 to 20% growth . Otherwise,

25:53 what happens when a new store is added is that the cost also increases because employees are hired. All these costs come upfront. After that, after break-even, we see that the profitability of the stores increases. So we can anticipate that all these employee costs will also increase. We have to talk about this in terms of the company. Even valuations also seem reasonable to us because the stock is getting well-corrected. Our next question is a financial planning related question. The viewer asked not to mention his name . That's why we're editing. I am a salaried employee getting 74,000 per month I am 34 years old and I am married and we have two years old daughter We are residing in Bangalore in our own house Parents residing in Homa Town near Bangalore 55 km in their own house and their age is around 65 years I am getting 1.1 1 0000 incentive annually

26:41 My monthly expenditure for self and parents is ₹25,000 per month I have personal loan of ₹15,50,000 Tenure is 5 years and I am paying em of 33,500 and already 9 ems I have paid I have corporate health Insurance and Private Health Insurance and I am paying ₹13,500 as a premium. I have purchased a site in September 2024 worth 28 lakhs in my home town. 2 acres of agricultural land and I have 4 lakhs in my account. My investments are I am doing Sukanya Samriddhi Yojana investment from 2024 onwards. Currently the balance is 151,522 and from this year onwards I want to invest 60,000 annually in the scheme. Doing 15,650 SIP in the below funds. The names of the funds have been mentioned

27:28 . And I have invested 10 lakhs in direct stocks as of now the portfolio is a 7% loss. My questions are can I hold my direct stock portfolio. I need your suggestion. I am planning to hold it for my retirement. Second question. I am planning for my daughter's higher education. Marriage. I need 1 crore when my daughter turns 18 years. Third question. I am planning for my retirement at the age of 55 years. I need 5 crores. Can I achieve it with the above investments? Fourth question. I have to invest 1 lakh in direct stocks. Planning to invest in Unimac Aerospace. Dream Folks. Sulabainat's suggestion is that you will have to show the calculation for the second and third questions of the four questions you sent . But the first and fourth questions are contradictory. In the first question,

28:14 you are asking if it is right for me to hold a direct stocks portfolio . In the fourth question, it says that I wanted to invest in 1 lakh direct stocks and I wrote down the names of some stocks and wanted to invest in them. It doesn't sync up, and in fact, if you're conflicted about whether investing in direct stocks is right, don't invest in them. Okay, many people have a wrong myth that they will only make more money if they invest directly in stocks. No, that is not correct. Unless you buy stocks at the right time and at the right valuation and exit from them at the right time, those who make money are the ones who make money. Apart from that, those who take entries at the wrong time without proper idea will not make money in direct stocks and if you do not have

28:59 time to do research but also do not have much confidence in terms of skills, then do not go to direct stocks and that is what you wrote here about dream people, do you know what is happening, try to research on it once . So all of this clearly shows your awareness as it relates to direct stocks . So I feel it is risky. So it is better for you to go the mutual fund route. Once your skill level has increased significantly and you have time, then think of direct stocks. Coming to your second and third questions, let's go into the calculation. Let's input all the numbers you gave . Whatever you are investing in Sukhani Samriddhi Yojana now and also want to invest 60,000 from here, you can

29:45 create a corpus of 23,57,000 by the time your child turns 18. If you think that the average interest rate will work out at 7.5% 0.5%, then you will be in deficit of 76 lakhs. Now the solution here is that whatever you have in your current portfolio and whatever SIP you are doing is 15,650. If you continue doing this like this, when your child turns 18, suppose you withdraw 76 lakhs of the shortfall you have, then you will have a remaining corpus of 2 crore 1 lakhs. And also, if you actually see what your EMI is here, your SIP amount has increased a lot at once . The reason for that is that you now have a personal loan and are paying EMI on that personal loan. You initially started with just 15,000

30:32 . But if you can convert it into an investment when your EMIs stop, then if you want to create a corpus of Rs 5 crore towards your retirement goal, then approximately Rs 4 crore 57 lakhs would be generated. Let's show that if we take a 12% return . In fact, sometimes we have the opportunity to get even more return work out of it . So it seems like they will mostly achieve it. In fact, your actual earnings will also increase. If you also increase your investment as they increase, then you will achieve both your goals comfortably. There is no problem with this. But try to rethink your direct stock investing as it relates to what it is . Our next question comes from the handle Money Wish . Thanks for the valuable information that you are providing I am interested in investing in insurance sector insurance still remains to be under penetrated in India

31:19 when I was checking for options I came across the name General Insurance Corporation of India I did not find any red flags but still do not understand why this is so under valued compare to its peers am I missing anything here please educators regarding this and the answer to this is very very simple market appreciates growth if any company delivers growth then we will also have growth in stock price. If they don't deliver growth, they may look cheap in terms of valuations, but they become value traps . Many people buy a stock based on its valuation and PE multiple, thinking it's too cheap . Growth plays a very important role for us, not just the Sapa multiple . It's not just about having an okay valuation. If growth comes, fine valuations are cheap and growth will also come. If growth is a reality in the coming days, then they will

32:04 become multi-baggers. Our valuation remains the same, but growth is not happening. Okay, in that case, those value traps will happen. If you look at the numbers of General Insurance Corporation of India, look at the last five years, even from 2019, you will not see much growth. Where are the listed private peers? Look at the numbers of ICL Lombard, you will see the top line from 2019. I will show it on the screen. See, we clearly see growth. Even if you look at the numbers of Go Digit, which recently went public, you will see growth on the top line. So, always remember one rule of thumb. Even if you haven't seen growth in the past, you still have growth visibility in the coming years. If you are a valuation sheep, then you have picked up a multi- bagger, but the big

32:50 question mark is whether you actually have that growth visibility or not. When it comes to this company, in fact, we don't have a general insurance category, which is not general insurance. If your overall thought process is correct, then insurance penetration is low. But the majority of the market share is being gained by private insurance companies, whether it's life insurance, general insurance, or even health insurance. If we look at the portfolio, we can clearly see traction. So it is better to play with a private insurance player who is growing well rather than a value trap where we are not getting growth . So that's it for today's Ask Money Parsha Gus video. If you haven't liked it yet, do n't forget to like the video and share it with your friends and family if you think it will be helpful. And if this is your first time visiting our Money Purse channel, please subscribe to the channel and activate all notifications by clicking the bell icon next to it . I am Sai Krishna Patri and I am coming to you with another good video Till Then Boy Boy

33:36 Take Care