ఈ ₹10 కొత్త FUND లో INVEST చేయవచ్చా ? పెళ్లికి ముందు ఇలా కూడా చూడచ్చా? ₹ 112 stock good growth

0:09 Good Morning Money Pens Welcome to Ask Money Pashana. Today's first question was sent by Prabhakar Rao. He is asking questions related to two interesting companies and I will ask questions. Kindly give your long term opinion on Belrice Industries, a recently public issued company and it has come at ₹90 issue now it is trading at that. In fact, you posted the question and it seems to have increased a bit by the time I answered this question . Second One Diamond Reality Witch Gut Damers Recently and They Have Land Bank of 100 Acres Okay, let's talk about the two companies, but before that, I want to alert you to two related points . One, if you observe FIDA activity in recent times, we clearly see that buying is happening in auto, auto ancillary and also NBFC. So it's a positive early sign. If we haven't

0:56 studied these sectors, try to study them. Try to pick a company you like. Normally, if FID buying is happening more, we can anticipate that we will see good growth in those sectors . So try to pick the best quality companies in that theme . This is one second thing that we already alerted last week through other channels, but many people may have missed it, so I'm saying let's alert through video as well . I'm showing you here a clip of my video, which is made using generated audio . Actually, there are people on various social media platforms who are asking retail investors to join a Telegram group and say, "Look, this is it

1:42 We know their end motive. This is not about giving tips. Their end motive is to somehow extort money from retail investors, whoever they are . If the motive of the fake girl is the same, then if you see such an advertisement, it clearly comes from fake people, so report it immediately . And simple guys, even if I talk about something else, except on our channel, even if you see it anywhere else, most of them are fake. Report the fake ones. Don't believe in such things. Even if you have already joined, exit from such things. Clearly, they might do some pump and dump activity or some subscription. Whatever it is, we know that the motive is malicious. So if you see something like that, be careful and

2:27 report it even if it seems fake. And try to alert your friends and family as well . Now, coming to the subject of these two companies, let's talk about First Belarus Industries. This is a recently listed company. There was n't much buzz when it came to IPO, but after the Jefferies report came out after the IPO, it created a lot of buzz. Speaking in terms of the company, I haven't covered the IPO video, so I'll try to cover it in a little more detail . What is an interesting company is definitely a strong company. Why is it called a strong company? Look at their client base. You will see almost all the large two-wheeler OEMs. You will also see four-wheeler OEMs, but most of them come from two-wheeler OS . It's not like they're showing logos like this. Normally, for many auto accessory companies, those who have large two-wheeler OEMs like this

3:12 become one of the clients. It 's not just about becoming a client, it's about having a dominant market share. While their revenue from the two-wheeler segment is 63%, currently they get 9% of their revenue from the four-wheeler segment. When it comes to the products they manufacture, we have two-wheeler chassis, exhaust systems, brakes, and so on. I'll show you on the screen here. Look, they are manufacturing products like this. What this company claims is that out of every four two-wheeler vehicles circulating in our country, one of their chassis is used . We can understand that as a commandable share company . And also, when it comes to the two-wheeler segment, we are worried about disruption related to EVs because EVs are very popular. We have an even more aggressive adoption of two-wheelers than four-wheelers.

4:00 If we compare their revenue with that of other auto ancillary companies, we also have much higher ice engine-related revenues than other auto ancillary companies . What the management is saying here is that 73% of their revenue is revenue that is not related to the power train. Brake chassis, all of these have to be used in any vehicle. So since they are manufacturing such products, they have nothing to do with the power train, so the disruption- related impact will be minimal, the management is saying. Management says that they are getting 27% of their revenue from Ice Engine related products . And also, if you look at the content of each two-wheeler that is manufactured, they say that the content is currently worth 12,500. And they are launching new products, and they are saying that through those launched products, they are going to

4:48 increase the content per vehicle from 12,500 to 17,500 . So, this amount in two-wheelers is commandable, but if we look at the content per vehicle in four-wheelers, it is said to be 30,000. We can understand that the witch is on the lower side but has a commandable share in the two-wheeler . The current company has 17 manufacturing facilities and the IPO is a completely fresh issue, and the management says that they used the money they raised to clear debt and grow the business . And they are saying that they are going to commission three new plants . One is a plant in Chennai, and the management is saying that revenue is already coming from this plant, and the other is that an exclusively Eva-focused plant is being set up in Pune, according to the management. Not only this, they acquired a company by saying "Hwa" . That Japanese-owned company,

5:33 so the technology they acquired by acquiring that company is basically that they manufacture all these chassis, all these are heavy, but they are saying that they have the technology to actually manufacture those same products in a slightly lighter weight while maintaining almost equal or in fact better efficiency and strength . Because of that, they are also saying that content per vehicle is going to increase. Not only this, they acquired another company called Mac Filters . By acquiring this company, they gained entry into the filter segment . And with this new product edition, the revenue and content per vehicle will also increase from there. Overall, if we talk about the company, the company already has a commanding market share. That is one big positive. Second, in terms of the IPO, the promoters did not

6:21 try to cash in through the IPO. They did a completely fresh issue, which is the second good thing. Third, if we look at it overall, we have already talked about clearly tax- related cuts. But if all these are there, we think that urban consumption has picked up. That is why we can expect two-wheelers to be one of the segments where we pick up. The two- wheeler segment has been growing for a few years now, but not much. So, if the two-wheeler segment grows, automatically not only will we have two- wheeler OEMs but also auto ancillary companies. In that, if there are companies that have a commanding market share, then all of them will also see good growth. And another interesting point in the Jefferies report is that they are going to focus on the four-wheeler segment, and the Jefferies report says that they can anticipate very good growth from there as well

7:07 . And they also focused on export-related activities and increased them significantly. That's another thing the company won't bring in in terms of growth. So try to read the report once. After reading the report, I found the company interesting and even the current valuations seemed interesting. When it comes to Second Rayman Reality, they have been continuously talking about the reality business since before the demerger. The promoter has also spoken in various interviews about it. He is very positive and already seeing very good growth. They say that they have grown to be one of the top players in the Mumbai real estate market in a very short time since their launch . They basically gave it in a presentation. You should try reading it once . They claim that they have a 100-acre land bank, of which 40% is already being used for present development and 60% is being held for future development,

7:53 and that they have entered into six joint development agreements . Overall, the management is commenting that the opportunity size is very large and is also commenting very positively in terms of growth . If all of this is delivered, then you can see very good growth in terms of which company is really good. But the only thing is that if the current valuations are not followed by growth, then the valuations are not that cheap compared to peers, so that is one factor you should keep in mind. And if any of our Mumbai-based viewers have heard of this Ryman reality-related or not, or if there is any overall buzz that you have heard after watching the show, please try to share it in the comments section below . It will be helpful for other viewers as well . Because the real estate business, whatever it is, is a local market-focused business. So the demand environment in that market will depend on all of these factors

8:38 . So if anyone wants to look at the real estate business, my personal suggestion is to try to focus on the ancillaries we have rather than those direct real estate stocks. It will be a little safer. So, for us, direct real estate companies, the risk is a little higher. So, I hope you have full clarity on the prospects of these two companies . Before answering the next question you sent, here's a small reminder: If you found the information shared in the video helpful, do n't forget to like the video. And if you have any questions you want to ask us, just like the rest of the viewers, write "Hata Ask Money Purse" and ask in the comments section . If you also write in the comments section, your questions will reach us. Our next question is being asked by Ramesh garu. Hi Sagar. First of all, thanks a lot for your support to Telugu people. Please share your view on Yash High Voltage.

9:25 Very good results and trading at attractive valuations. Can I take the call? Okay, let's talk. Interesting company. Very interesting company. Because they are the third largest bushing manufacturing companies in the world. So, if we want to talk about the company, let's talk about transformers first. We all know that there is a lot of shortage in transformers, due to which transformer companies are getting a lot of benefits. And since there is a continuing Oscar along with this shortage, we have talked about continuing that positive momentum in transformer companies . Now when it comes to AI voltage, they manufacture whatever bushings are used in transformers . The cost of these bushings in our transformer manufacturing cost is between 5 to 20%. There are now various types

10:11 of bushes. There are two types of bushes that they manufacture on a major scale. It is important for you to know about these. One is oil impregnated paper bushings and the other is resin impregnated paper bushings. Now, these oil impregnated paper bushings are made by impregnating the paper in oil. This is an old technology. The risk here is that there are more leakages, more maintenance, and also we have a higher risk of catching fire due to electricity fluctuations. Now, the majority of the transformer companies are moving towards what we have now called resin impregnated paper bushings . And when it comes to Yash High Voltage, their oil impregnated capacity is slightly higher than the actual resin impregnated capacity, but if we look at it in terms of revenue, the

10:57 majority of their revenue comes from resin impregnated paper bushings. The reason for this is that the price of these resin impregnated paper bushings is more than five times higher than that of oil impregnated paper bushings. Because of that, they will get revenue from here . And the majority of the growth also comes from here. And globally, we have a majority of companies, now because of this transformer shortage, actually, if we talk about companies that manufacture these bushings globally, there should be no more than three companies like these. Now, the management is saying that even because of that, the companies are ready to book their capacities for up to three years . And they are saying that whatever capacity is going to go live, additional capacity is going to go live, and that capacity is already full this year, and that capacity will also be full soon . Management is talking

11:43 about the demand from international companies . And what this management is doing is that they are also working on backward integration-related work, saying that if they want to manufacture these RIP bushes, they have to import the RIP cores used in them, which will increase the cost. Management says that this will also substantially reduce costs. If we want to talk about which is a really good company, and also the actual stock price in the last one week or 10 days, one of the reasons for this massive bus is that they acquired Quality Power and they acquired a company called Sukriti together . If you go to the website of that company and look at their client base, you will see that it has a very good client base. Overall, everything looks good, the only thing is that the

12:30 stock has increased significantly and as per the disclosure, our viewers already know that for those who follow us regularly, I hold the stock from a very, very low price of 150-160 . So, taking my view as a bias, I am holding it, but overall, tomorrow morning you will find another transformer-related company in the market, which will also be attractive in terms of valuations. This is the major advantage that these companies are carrying currently, so due to that, you have the opportunity to earn good returns in terms of stocks . And in terms of valuations, I would buy the present, but as an additional matter, I wouldn't buy it after such a rally. Corrections will come. I think about it but at this moment I will not buy our next question. Leela Madhav is asking. I am a government employee.

13:15 I am part of a group of 15 colleagues who decided to pool 3000 per member every month. The pool of money is shared among us. If anyone is in need of it, if no one needs it, it stays with us until some one comes. We have accumulated a significant amount of money over the last 12 months but no one has taken it and kept it in. We have considered investing in mutual funds, fixed deposits or purchasing a land or other. Interest generating instruments Our preference is mutual funds however we all face challenge as a government employee can't open mutual fund account on our own name because it could attract more income tax. One question is is there any better investment option available other than mutual funds for this situation considering the monthly contribution is

14:02 45,000 from all the 15 members and also how can we collectively invest in mutual funds without opening an account in any one's name from our group. Second question is are there any other solutions to this problem which you should anticipate. Guidance is there an alternate solution for this? My suggestion is that you should start a partnership firm, RLP or LP. LP is a bit more expensive. Try opening a partnership form for two 3000 partnership forms, if they are opened, you will get a PAN card. Suppose you have opened a current account for it. Rather than depositing this money in a one-year account, suppose you have deposited it in the account of that partnership firm every month. Even if there is actually a requirement for that individual person, that requirement is also being loaned by the partnership firm. So you can

14:48 lend from the firm and lend to the firm. And suppose you have invested whatever money is in that firm, that tax applicability will be to the firm. So you can simulate it like this. So, whoever is a partner, assume that they have equal sharing. So, you also write in the partnership agreement that depending on how much sharing is, they will also have that ownership right. And if someone exited, it would have been easy to say that they were exiting and others were entering . So my suggestion is that it would be ideal to do this even more than in an individual name, and if you are investing in a partnership firm, don't invest in real estate or similar. Because there is no liquidity, everyone's mindset should be the same tomorrow morning, it may change after five or 10 years, so even when the amount

15:34 changes, the mindset definitely changes when the size increases. So at such a time, if someone says exit and makes a fuss, it is very difficult to sell it. At that time, we should have all these situations to sell it. So, that is why we don't even want equity funds, prefer safer funds, debt funds, or otherwise FDs, but try to invest in such things. You can try it at that, but if not, don't invest in equities in the whole amount and in this way you can manage this money and that's a better option. Our next question viewer did not mention his name. Hi sir can you please let us know how can we check the same sibyl score we want to do a marriage of my sister but want to check the sibyl score of the matches that are coming before taking any decision very good thought but if not there are two challenges let's talk about them also . In terms of first thought, why do I say it's a good thought?

16:20 Basically, in most marriages, conflicts start when finances are not managed properly, liabilities increase and the stress of it all comes into family life as well, and if it creates trouble, we see it in families. Actually, where the rest of the family troubles start is from finances . So whatever your thought process is, there's nothing wrong with checking if they are managing their finances properly or not if they are looking at the civil report . So I really appreciate you for that thought process. But I said there are two challenges here. The first challenge is that if you want to check the CIBIL report without their knowledge, it would be an illegal activity. Don't do that, try asking them instead. If you want to say no, the second challenge is to ask. Many people get aggressive when

17:07 we ask for things like CIBIL reports . So instead of that, try to convince them by sitting them down, that is, try to communicate with them in a proper way. We know that you are managing our sister well in terms of finances, but our thought process is that those who manage well will have families that will be free from problems in the long term. Ask them if they have checked their CIBIL report, and if they cannot check it, how can they check it? Try to educate them a little. Go to the CIBIL website and pay just 500, and if they want a report, they will get it in one month . Try to educate them and get them to report from there . So this second challenge is also a challenge because convincing is a bit challenging. If you use the right words, it's not a big difficulty, but it

17:55 can be a bit of a conflict initially. But if they don't ask you and you want to check using other routes, don't do that . It falls under the category of unnecessary illegal activity. The rest of them also actually think it's a nice thought. If any of you guys want to marry off the girls in your family, there's nothing wrong with that. If you also have this idea, try to implement it. Now, coming to the subject of the Sunday FIDE session today, a documentary is being streamed called American Manhunt, which tells how Osama bin Laden was hunted. Many people might think, "I know everything," but if we watch an actual documentary, we would understand the reality. We only recently learned

18:42 how many hurdles they actually faced, how they traced his whereabouts, and how they identified him through a shadow. All of this will be interesting. Worth watching, check it out. Our next question comes from the handle Nehamana. Kindly Discuss About QSR Merger Devani Sapphire Related Merger Asking Who Will This Be Helpful To? Devani Sapphire Related Merger The two have released a clarification on the rumor that has surfaced . Otherwise, the clarification is confusing, meaning they don't say anything like that anywhere. Okay, we are working in MMA related but they are saying that there is no material event to tell the market so whether there will really be a merger or not is a confusion that has been created in the market but if the merger happens then

19:28 definitely that is a positive for the entire M brand whatever it is we will get KFC Pizza Hut all these and Costa Coffee also so whatever EM brands there are think it is close by they can plan properly and do all the store openings so what has happened now is that there is a competition between the two and if one opens then the other is opening but it is not known whether both will get business or not. So, we already have less urban consumption, which is why we don't see that growth in most of the QSRs . Both of them definitely face the impact of the competition . The merger is definitely good and if we look at it in terms of valuations, it clearly showed us that day. When it comes to C Sapphire, it is trading at 23 times the CBI beta multiple

20:13 . Deva Nemo trades at a multiple of 27 times the current price. So Sapphire is the cheapest one, so if there is merger arbitrage, obviously if we get a merger-related announcement, there is a chance that our merger arbitrage will close in Sapphire. And if anyone is thinking about a standalone QSR, Sapphire looks good in terms of valuations, but Devyani is actually doing well by expanding their portfolio. They have recently added many brands to their portfolio, saying that they have a product called T-Leav. Actually, I have never heard of it, but my team showed me something crazy. It is different. I will show you in the video here. If anyone has tried this Boboti, please comment below.

20:58 Those who are in my team like Genji are saying that it is good if they try it . But I don't know, I'm actually watching it for the first time. So I don't know if there's really that much demand, but overall, we're crazy about South East Asian foods, and things are building up in Janji. So many people are trying to cash it out . They are also adding those few brands and have acquired various brands like Biryani by the kilo. Also, in terms of management, the company has strong management, which is why it is trading at a slightly higher valuation. So if there is a merger, Safari is definitely the cheapest, so you have a chance of getting returns there, otherwise talk in long-term terms. Divyan is a strongest business. Our next question is that the viewer should not mention his name

21:44 . And coming to the question, my question is related to my wife's family, my maternal uncle is 66 years old, my maternal uncle is 54 years old, they have two daughters, elder daughter is 33 years old, younger daughter is 23 years old, maternal uncle is retired from services in a private organization and taking rest at home, maternal uncle is working as a teacher in a local private school, her income is 40,000 per month, second daughter started working from February 2025 and earning 20,000 per month, no other income at present, she might stop working by the time she reaches 60 years of age, they are living in their own house in Hyderabad and they own 150 sq mt. Land near their home The assets are 20 lakhs in FD renewed in January 2025 5 lakhs in Ksh

22:29 withdrawn from Postal Savings on 18th March 100 g of gold in jewellery for lump sum amount invested in Mutual Funds Utt Ultra Short Term Fund invested 9,22,000 yes on 18th April the value of the fund is ₹10,44,000 Another fund Utt I Flakkap Fund amount invested is ₹539,000 yes on 20th April the value is around ₹6,42,000 Both the funds have been selected by Uttf broker based on withdrawals from previous fund of the same asimavae does not even Do you have any knowledge on the funds when he has opted in? They have 37 g of gold available with Lalitha Jewellers Gold Scheme. And they are planning to do a second girl's marriage in the middle of November to December next year. Marriage expenses are

23:15 expected to be around 15 lakhs. They have no health insurance. I am suggesting them to take a health insurance now. Coming to questions: First is whether the selected funds can be continued or not. If not, where can they park that money? Second question is to fulfill marriage expenses planned in November or February 2026. Near to 18 lakhs. Please advise on the breaking FD. Is it good? Is redeeming mutual fund units. Is it a good option? Considering the present market condition at present. They have a sum of around 6,00,000 in hand. Both daughters are planning to send 10,000 each on a monthly basis from 2031 onwards. If not, can you suggest how better they can plan the income of monthly expenses from 2031 onwards? There are two or

24:02 three suggestions. The first suggestion is that whatever fund is there, a flat cap fund is not performing well. So, if you have a requirement of money for wedding expenses, do you have money in the ultra short term? Try to move this money to some other short duration but ultra short term category funds, or even equity money. If you have a different AMC that you are comfortable with, try to move it to that MC . Now, whatever money is in these two funds will be helpful for the second daughter's marriage expenses . And coming to the money in FD, my suggestion is that rather than parking it in FD, it can be parked in a hybrid category of funds because they don't have cash flow requirements for another six years, so they park it in the hybrid category of funds and now

24:48 their monthly expenses on this 40,000 income will be 15,000, and gold will be 15,000. And if we invest the rest of the money in the same funds in the form of SIP for six years, we will build a corpus of approximately 5981,000 . With that corpus, they can easily handle whatever monthly expenses they have . Suppose you have a SWB plan and if you have a withdrawal rate of around 7 to 8%, then that cash flow will be enough for them, plus they will also give their daughters. So if they come in additional cash and have any other health- related requirements, they will also be enough for that. If you have health insurance, it is better to check the premiums anyway. Since you are in the higher age bracket, it is better to plan like this overall. Our next question is from

25:34 Chandrasekhar, Saina, please explain about the HJFC Innovation Fund. It is an interesting theme that is emerging. If we want to talk about the innovation theme, then when we think of innovation, we think of tech-related innovation. No, when we think of innovation, it is not only tech-related, we have companies that work on pharma-related innovation . There are companies that work on auto-related innovation . We have already launched many innovation funds in the market since the last one year by identifying all the companies that work innovatively in various industries. They are building that portfolio in these funds . Interesting because if there are innovative companies, they will achieve success, but if they have massive growth, there will be massive growth. So, if the growth opportunity is not too high, then there is

26:19 also that risk. My only suggestion with this category of funds is that you should buy a new fund, meaning that now ₹10 will kick in. Most of the time, when new funds come out, many people are attracted. But these innovation funds are not new to the market; we have already launched many of them. What I'm showing you on the screen here is that all of these are funds that are investing on the theme of innovation . So they are investing in the same type of portfolios . So try to pick whichever fund house you like . When picking a fund, look at two things: When the market rises, do they grow better than the market itself, and when it falls, do they fall less than the actual market? You can also check by going to the Morningstar website . So check and based on that,

27:06 you can use whatever filters you like and try to select a fund that matches all of them, but remember that there is a possibility that you will have a little more volatility. Our next question is from Rafi Sheikh. Hi Sir, I have invested 1 lakh in Sona Bldg. Can you tell me the share guidance? Hi Andy, first of all, the biggest mistake you are making is not talking about investing in this stock. What is the point of investing in stocks without doing any work? You are asking about the stock after you invest. This is a big mistake that many people make. If you do that, you will never make money in the equity market. So, to make money in the equity market, first you should have an idea about that business, you should have conviction, and only when you have that confidence, can you hold on to it? Volatility in the stock market is common in equity markets. The stock

27:52 falls regardless of the stock itself, but also due to other external factors. So even then, if we want to hold on to it, we can only hold it when we have an idea related to that company. So you first made a mistake and reworked your investing process. Okay, first of all, after doing all the work on the business and valuations, only when you have that conviction do you say goodbye, but don't say goodbye like this. If we talk about business, there is no doubt that it is a good business run by good management. And in fact, they are entering not just this segment, but all the futuristic segments that exist. They are entering the humanoid robots segment and they have also recently announced that the rare earth magnet segment is the biggest challenge that India is currently facing, and the world is attending to it, so they are entering that segment. Not

28:38 only in existing businesses, but also in futuristic ones, wherever there is an opportunity, company management is expanding their business . Which is really good, so it's a quality company, no doubt, but my only request is that you don't try to find out about it until you buy it . First understand the company and then decide whether you want to buy it or not. My next question is being asked by Sukesh Gupta Dear Team Thanks for your efforts in empowering Telugu community IANRI from time of operation Sindhur we are able to open BSCSC websites it is getting hard to go through the exchange filings is there a mechanism to approach someone in this regard first thing you will get majority of the exchange filings or updates all on our telegram channel. You can follow from there too. The other

29:24 option is that VPN is allowed in the country you are in, so if Indian sites are blocked, if VPN is allowed, then you can still open the sites if you use VPN. That's another best option. If any of our viewers are tech guys and have a solution for this, please try to tell me. If there is any solution other than the one I know, please comment so that our viewers who are having trouble can find that solution. Our next question is from Ravi Pratap, can you share your long-term three- year view on Saigar S Publication? And you find it very attractive in terms of challenges . The market has completely ignored these companies, but the new education policy that is being implemented is expected to bring growth. The reason these publication companies exist

30:10 is because whatever old material we have, whatever second-hand material we have, it has gone out of the market . So, new books have come out, so that will definitely bring that growth. And also, their new update is already available to us as a related detail, which I covered on the Ask Money Bor show . Not only this, but they recently released an extent filing stating that they are going to acquire a test preparation related company . It remains to be seen at what valuation they will acquire it. If a good company is acquired at a good valuation, that will play a positive role for the company. That's It for Today's Ask Money Persha Guys is a new policy that has been launched and is causing a lot of buzz in the market. I have shared the complete details related to that policy in the video. If anyone hasn't seen it, watch it because that policy is definitely up to you. It is important that

31:00 you have complete clarity on whether you should make an investment-related decision when it arrives or ignore it . Don't forget to not only watch but also share with your friends and family . And if you haven't liked today's Ask Money Parsha video yet, please like the video and share it with your friends and family. If you think it will be helpful, don't forget to share it with them. I am Sai Krishna Patri. If you are visiting the Money Pass channel for the first time, please subscribe to the channel and activate all notifications on the bell icon next to it. I will come to you with another good video. Till then, take care.