Next 2 Months లో 100% పెరగనున్న Stock| Interarch ఈ Stock కి ఇందుకే Multibagger Opportunity ఉంది

0:10 Good morning, money persons, welcome to ask for money for this debt fund related business. I see an interesting opportunity . And also, there is a small change of strategy in the strategy we discussed previously. I explained this to you in detail, saying that we would benefit if you explained it first . After that, I will also answer any questions you send me . If we rewind a little, I think from two years back, it can be seen consistently in our Ask, in various videos, if we invest in any of the long-duration debt funds, the RBI's rate cuts come and the Oscars are there . Current interest rates are unsustainable, so rate cuts are needed. If rate cuts come, we will have an advantage in long-duration debt funds, thanks to Macleary duration . We keep saying, "You will make a good return." Luckily for us, RBI's

0:57 rate cuts have also been aggressive. RBI has made consistent rate cuts in repo by almost 100 basis points and also CRR cuts have been made. Due to this, we have majority of the duration play funds which are dynamic bond funds, medium to long duration funds, gilt funds or gilt 10 year constant funds. All these have also delivered 8% above and almost double digit 10% returns for us. Some funds so which is actually very good return. Many people think equity investment is okay. What does 10% return mean? No debt. 10% return is a fantastic return because we have seen SBI's FD. Okay. The interest rate is all available at 7%, so any investors who want to make FDs will not invest money in equity. They look for another fixed instrument option.

1:42 In such a case, we get 2 to 3% additional return than SBI's fixed deposit, which is a fantastic return. Many people take 0.5%, 0.5% additional return, which is abnormal risk. So, without such risk, we get 2 to 3%, right? So now, this duration play has worked out well for us. My personal opinion is that RBI, which has made aggressive rate cuts, will not do it any further. Okay, there could be further rate cuts, yes, but it is not right for us to anticipate such aggressive rate cuts because whenever there is an aggressive rate cut, there is a pause and then we have inflation again. All this will come under control. I think there are very few.

2:29 There is a possibility of making rate cuts to drive growth, but at this moment, such a scenario does not seem immediate to me . So now, whoever is a debt fun investor, is there any other opportunity for them? Clearly, there is an opportunity which is visible to me. That is the rating upgrade strategy now. Many people link rating agency stocks to these rating upgrades. I am not talking about the stock market or stocks here . I am going to talk about pure debt funds. I have previously shared this strategy in detail in equity and debt funds since I know about it. In fact, even if you search on social media, you won't find much anywhere. So, before this strategy is played out, I'm explaining it to you clearly in advance that our people will make money, because many people

3:16 talk about it only after they grow up. Now, if you look at it, wherever you look on social media, long duration date funds are being talked about because they say that double digit returns will be seen, but in reality, we will earn the money we invest only after the game is over. We will earn money only if we invest first. Now, how does this rating upgrade strategy work? If we look at the 2020 financial year, which is the second half of the last financial year, which is the second half of the last financial year, if we look at the rating market, we will see that there were 423 3 rating upgrades. Okay, at the same time, 160 downgrades also took place. No. Where are the rating upgrades happening? Where are the rating downgrades happening? Let's take a look at it in a little more detail. All the rating upgrades are

4:02 happening well here, especially in our domestically focused business. Export- oriented businesses are facing rating downgrades due to global uncertainty . Now, this rating upgrade is related to how we basically get an advantage if we upgrade our rating. This is a question that many people have. So I will explain how that advantage plays out and how we can personally play this advantage . First, if this rating is upgraded, how will we gain an advantage? I will show you an example of how the people in the Live Fund, OK Nippon India Credit Risk Fund, have invested in various securities . I am taking an example from that. I don't mean to play it like this, but I want you to understand the concept, so I'm explaining it using this example . They are

4:48 holding 3.4% to 4% of the portfolio in Hiranandani Financial Services, an A+ paper. Now this paper is a plus paper, we have credit ratings, how about double A ratings, etc. This is the highest standard rating, okay, companies with that double A rating will be able to raise capital from the market at a very low interest rate, while companies with the same double A rating will have to raise debt at a slightly higher interest rate than actual triple A companies. Companies with A+ or R-A ratings will have to raise their interest rates even higher than double-A. This means that companies will be able to access capital based on the interest rates they offer in the market, depending on their rating profile . Now let's say Hiranandani Financial Services is what they are holding, is this an A plus paper?

5:35 Now let's say this paper has been upgraded, let's say it has been upgraded to a double minus. I told you this line before, we talked about the fact that double minus papers provide capital at a lower interest rate than any other paper. Now, when this fund manager buys an A plus paper, he buys this paper at the interest rate that is available in the market. Let's say I'm talking about an example. Let's say this paper generates 9% Y time. That is, if you hold it until maturity, this paper will earn a 9% interest rate . No, at the same time, we are getting double minus paper at 7.5% and 5%. Okay, now let's say this paper has been upgraded from A Plus to A Minus. Now, what paper is in my portfolio? I bought an A Plus paper. But

6:21 what happens when I upgrade? The value of that paper will get a double minus rating. So, this double minus rating means that it is the highest quality paper. When I bought the paper, I already bought 9% YTM. So, whatever the interest rate of my paper maturity is, it will not change. Okay, so double minus paper with higher interest rate means paper with better credit quality with higher interest rate. So what happens then? The value of this paper will increase because there are other double minus papers in the market. Suppose 7.58% is in between. Here I have a paper with a higher yield and a paper with the same rating profile, so the value of this paper would increase and also create a positive impact on the portfolio . When we get a rating downgrade, it creates a negative impact, and when we get a rating upgrade, it creates a positive impact . Sona, if we

7:08 observe the rating market, we have been seeing a consistent increase in rating upgrades over the last year. I've shown you the numbers so far. While we had 423 upgrades in the second half of FY25, there were only 160 downgrades. In fact, the market is actually anticipating that we will see many companies get very good rating upgrades in the next two to three years . That's why we see that rally in most of the rating agency stocks we own . Let's put this aside in terms of the stock market . Putting aside the rating agency stocks and talking about debt in terms of these upgrades, these are actually the investors who hold these debt funds, and what happens when the value of that paper increases is that it gets marked up. That means you will earn

7:54 additional returns even if the returns are slightly above the actual YTM, which is the portfolio YTM . So, I tried to explain the concept to you as simply as possible, even though it is a bit complicated. But what is the end of the benefit? Okay, how can we play this? This rating upgrades related strategy can be played through two types of category funds in the market . One is corporate bond funds. The majority of these funds hold corporate bonds, and they hold double-minus and above papers. Okay, even a double-A minus paper can be upgraded to Tala. Okay, these are better quality papers. So here too, if we get rating upgrades, it will have a positive impact on the portfolio. Another is credit risk funds, where they actually hold papers with slightly lower ratings. There is actually a chance of getting a few more upgrades here,

8:41 but there is also a risk. So, if we play through these two categories of funds, we will not only benefit from rating upgrades, but also from the impact of the RBI cutting rates tomorrow morning. When the rates are cut, they will also hold for two to three years, so that will have an impact. So, the double advantage is okay. Suppose we are playing duration only. Let's say there are no rate cuts in duration funds, let's say there are no rate cuts in long duration funds. There you will get only the advantage of YTM . Here, assuming we don't have a rate cut, you will get the advantage of these upgrades. If there is a rate cut, the rate cut will also show an advantage on the portfolio. So, you will get two advantages. So, already, the rating upgrades that have happened in the last six months have given us a little bit of positive momentum in these two category funds,

9:26 but we can actually anticipate very good upgrades in the next three to four years . So, for those who are playing for the long term, I clearly see an opportunity here, so I want to explain this so that you can actually find information related to this on social media. So, I 'm sharing this because I think it would be an advantage for our grandchildren to share it a little earlier. I always explain before the rally actually starts in any sector, so it can be defensive. Now, where do you talk about defense that you saw on social media? We talked about our defense two and a half years ago. It could be banking or it could be power. What happens when we talk about it earlier? At that time, when there is no big performance in those

10:13 stocks, who cares? When the rally happens, as we talked about earlier, we will really enjoy that rally. But the problem is that no one recognizes it when it is spoken before . Okay, after the rally is over, if you speak, you'll get applause. Okay, but if you ask me personally, here we are clearly seeing rating upgrades, so anyone who wants to do FD, not just seniors, but many young people also want to do FD, so this is one strategy that can generate a better return. Hope you like this explanation, don't forget to like the video. Our next question is from Kishore, I have entered interact at 1100 and 1400, should I continue holding and read more? In recent times, wherever you look on social media, interact and also pen related topics are

10:58 circulating a lot. Don't think that it is negative if you say that it is circulating on social media. Normally, good companies are related to our social media and junk companies are related to it. I will explain to you about the business, then you can make your decision and I will also explain about the opportunity. If we have a traditional construction method, we normally want to construct a building, we use concrete, where the work is done with a lot of labor, it takes a little time, the entire work is time- consuming and also labor- intensive and the cost is also quite high. Now, this traditional construction is being modernized a bit . Constructions are being carried out using whatever pre-engineered building materials are available . If you have visited any factories in recent times,

11:47 you will see that the majority of them are constructed using the traditional method. We use steel and construct it using pre-engineered products . Now if you look at our India, I talked to you about the last ask money issue, when we talked about rating agencies, we talked about how our capex will be good. So, the factories that are being set up are all being set up through this pre- incident construction because it is cost effective and also in terms of labor, if we want to talk about labor, whoever is working in that construction related, they work under daily labor, right? The same pre-engineered means that if the work is done in the factory itself, then what happens? All of them are also employees, even if they are incident labor, that is positive. If this style of construction grows, all of them will

12:32 also become employees. They will come into an organized sector and also in terms of pollution, there will be less pollution and the construction time will also be very fast. Okay, normally, traditional construction. Compared to other types, it is much faster, so companies are all preferring this type of construction . And in fact, I have one more thing to tell you. I'll try to play a video for you in front of me. While all our factories in India use these pre-engineered products, in China, large towers are being constructed using pre-engineered products . Because there would be less pollution, less labor requirement, and also cost savings, this trend would pick up. When costs are saved and there is not much difference in terms of quality, all builders pick up on that trend

13:18 . So this trend will be very popular in the coming years as well. If we look at India, there are both organized players and unorganized players. In terms of pre-engineered building products, organized players currently have a market share of 40 to 45%, while unorganized players have a majority of the market share. And these organized players have almost close to 45% market share, with six companies commanding 80-85% of the market share . Of those six companies, only two are listed in the stock market. The largest company, Kirby, has a capacity of 3 lakh metric tons per annum. The second largest company, Interarch, is unlisted and has a capacity of 1.61 lakh metric tons per annum. In fact, they have also done capacity expansion to 2,00,000 metric tons per year, and wherever they have done capacity expansion in AP,

14:05 they also have additional land there, which means they can expand further. And coming to the subject of another listed company, Pennar, Pennar has a capacity of 90,000 metric tons per annum, while all the other players are unlisted. Now these six players command the majority of the organized market . And since this segment is definitely going to grow well in the coming years, companies in this segment can also anticipate good growth, and Infact Interact says they have received the largest pre-engineered order in India. This is an order worth 300 crores . So, related to this, we have large construction companies that have already adopted these products and are also saying that they have received orders from Gujarat-based companies . So there is definitely a possibility that all those constructions will

14:51 move to this style in the coming days . And they will also be okay so then that will be a lot of growth so that is what it is and in terms of opportunity so now you can take your call personally I wo n't hold but I really like this business these two companies are good companies and the opportunity size is also a good opportunity size. And when it comes to risk in terms of these businesses, steel price-related risk is short- term. So remember that one thing: if steel prices go up, you'll see stock prices fall. We have answered our next question. A small reminder, guys. If you found the information shared in the video helpful, don't forget to like it. And if you have any question you want to ask us,

15:40 write your question in the comment section below. Your questions will reach us. And also, if this is your first time visiting the channel, subscribe to our Money Purse channel and activate all notifications by clicking the bell icon next to it to see content like this and upgrade your financial knowledge. Our next question is asked by Suhas, is he a promoter of Sona, Sanjay Kapoor, who recently passed away? So related to that, his question is, is Sanjay Kapoor a heartthrob of Sona? I am very saddened by his death. Will this have any impact on the 100s of employees of Sona Comster and their business? How can I resolve this matter as a shareholder? I am a shareholder. Sona Comster S. And it is sad that Sanjay Kapoor passed away, but you are asking from a shareholder's perspective and an employee's perspective. I understand the business and will tell you accordingly. Sona

16:25 Comster A business is run by a professional board. Normally we have two types of companies, one is completely promoter driven business . Okay, they are the major shareholder and also the promoter and promoter family members who drive the business. In the second case, the promoter will be the major shareholder, but the day-to-day operations of the business will be run by a professional board and a professional team. When it comes to Sona Kamasutra, you will see Sanjay Kapoor here and there in media interactions, but the business will be run by Vivek Vikram Singh and similarly, he will be seen in a plant visit video of our Sona Kamasutra. Whoever has such a team, they are a very experienced team and also well educated, they studied at IMS and they are the ones who actually run the day-to-day operations

17:11 . So personally, for me, in terms of this company, it's sad that S died, but I don't see a scenario where we as shareholders should worry because it's run by a professional board, so I don't think you should also worry about it and hopefully his family will recover quickly from this loss. And let us pray that his soul may rest in peace . Our next question is being asked by Mahesh Garu. Thank you for the valuable knowledge sharing. Please share your view on Premier Energies Limited stock. Exhibits good earnings. Very good. Aarosi Aaro and lot of mutual fund buying scene. Actually, the new richest man in our Telugu stocks is Chiranjeevi Singh Salluja's company. Have you seen it? Now, a list of the richest people of Telugu shades has come. The richest person is Premier Energies,

17:56 a promoter company. If we look at the theme of S Solar related, we can see very rapid growth . Across solar companies, we can see that growth visible, right? All the others are not only in modules, they are also doing backward and forward integration, which is really good in terms of company. In financial 26, they are saying that they will not increase their cell capacity to 7 gigawatts and they are also saying that they are going to increase their module capacity to 9 gigawatts. And what is their expansion plan by 2028? I am showing you on the screen now. It seems to be a very aggressive expansion plan. What the Yes of Now management is saying is that they are focusing on the domestic market because all the government schemes are definitely bringing in very good growth

18:41 . No doubt, we will see that growth in solar-related companies even in the next 10 years . But my only concern is that there is no margin of safety in the valuations of these solar companies . So what happens if one big negative news happens is that it completely destroys us . Suppose our stock doesn't recover for several days, we will actually lose money. So that's the only risk. If you are comfortable with the valuation, you can still anticipate very good growth in terms of return ratios. They are doing really well in terms of the company and the backward-forward integrations that the company is doing . They have formed a joint venture with a Taiwanese company for reference manufacturing. And they are also doing a lot of technology-related work,

19:26 and they are also expanding in that direction, with battery energy storage systems as part of the next big growth opportunity that is forward integration . So everything looks good. I said it again, the valuation of the stocks is the only concern, if it is comfortable for you, you can take your call, but position sizing is important. So what is more important in such stocks is that we have companies with very cheap valuations, growth means a turnaround, but if the growth possibility is good, the valuation is cheap, the management is comfortable, and everything is good, in such a case, we can take additional sizing in terms of sizing. But when valuations are expensive, a sizing-related decision plays a very important role . Because your investment-related decisions should be based on how much risk you can bear in your portfolio

20:12 . Coming to the topic of the suggestion for Naviru Sunday Fund, I would suggest a documentary. If possible, try to show it to children too. If there are children at home, they say that RBI is unlocked. Just one hour or two episodes are being streamed to us on Jio Hotstar. Try to show us how our RBI works and what historical events have happened and what decisions the RBI Governors have taken during such times. All this has been shown very well. That is one documentary and if anyone wants to watch the movie, many people must have seen a movie streaming on Prime saying 11 because it is very

20:58 popular. Is this movie related worth watching? Our next question is asked by Shiva. Today I got a message asking me to buy shares of this company. Now it is trading at 157 and the target price is 400 in 2 months time. I verified the details. The stock is trading at ₹2 in 2024. Now it is trading at 157. The promoter shareholding is zero and 100% shares are owned by the public. It may help others. Yes, please answer this. Hey, Hi. Actually, normally, such companies are related regularly. I'm ignoring it because every time we talk, okay, don't touch these companies, leave them alone. But this time, this week, the same week, another viewer also came up with the same company related. I'm saying, "Maybe, let's raise an alert if such active dumping is happening

21:43 ." So, no matter who says anything about a company, I don't buy it. No matter who says anything about a company in your family, do n't buy it. First, try to understand that company . This company clearly shows us that someone would have entered it at a very low price. They sent us messages through WhatsApp and various social media promotions on Instagram. Someone is telling us to buy something related to the stock. Why should they tell you that it will be over in two months? They can buy it themselves. If it has increased so much in two months, then that means someone wants to dump it. They bought it at a low price and are now looking to do a public dump. And with stocks like this, you never know when the reversal will start. Once the reversal starts, you won't even be able to sell it. If you exit, you won't find a buyer and there will be many people like you who are victims.

22:29 They will exit every day and place sell orders, which will still be in the lower circuit. I don't know where it went down and in fact I don't know when it will reverse again. So ignore it and try to alert the rest of your friends and family about such things, especially since I know that active dumping is going on related to this company. Tell us a little about this. Stay away from such investments. Our next question is asked by Rama and two questions have been posted. One is, are Indians slowly moving towards investing in equities? What is your view on depositories, RTI agents, exchanges, wealth management and asset management companies, depositories, related securities and exchanges, BSI, RTI commissions and asset management companies. Companies have written a list . I want to focus more on

23:15 depositories exchanges as compared to asset management companies. Could you please explain if this is a right strategy? Aiming only for depositories exchanges and other agents. My view is for long term 15 to 20 years. I have invested in around 10 stocks following your fundamental analysis videos and they are doing well. I got an opportunity in Riyadh and I can still watch your videos but if I could not spend time tracking these stocks and take exit calls, so my view is to sell the entire portfolio and invest all this money in depositories exchanges and other agent stocks. Long term 15 to 20 years also a target to invest mutual fund a tough n account to avoid capital gains tax yes Saudi is a tax free destination please tell me is my view right or wrong and before sharing my view

24:00 I have a question for you you said you invested in 10 stocks and fundamentally good companies and performance is also good so I know asset management companies or capital market related companies whatever they are investment in Indian securities this growth will continue and these businesses will grow no doubt in that I have no doubt I am not denying it. But there is no rule that only those businesses will grow, meaning other businesses will also grow in India . If you are investing in good fundamentally strong companies, why should you exit these stocks and invest in only one thing? The first question is okay. If you are not confident in the companies you hold, that is, if you do not

24:47 anticipate that much growth in terms of companies, then yes, then in that case you can take that call. But even in capital market stocks, we have a liquidity risk and you clearly understand why you are awarding asset management companies, wealth management companies, that is, we do not have high entry barriers there and where is the case of RTS depositories Exchanges, we have a strong entry barrier there. They said that since there is a barrier, you don't have to track it as much as you would like to, and you should make an investment-related decision. Otherwise, when should we buy these companies? Bear markets, which are currently sideways markets, will continue . And all these stocks have also corrected well and the pressure in the market has continued for some time. We have already seen that if we see SIP inflows, the

25:33 number of new investors will decrease and SIP cancellations have started. So if this trend continues for some time, there will be a negative impact on these numbers. You may have RTI stocks, otherwise we may have depositories. And when we see degrowth, there is a possibility of seeing some more pressure in the stock price. So, in a time when the market is completely bearish, that is, if we show a lot of interest in these stocks and accumulate such companies during that time, then yes, it will definitely create long-term wealth for us. If not, try to wait a little patiently. That correction has happened but we can't say that it will continue further because there is a possibility of pressure on the numbers and if your thought process is correct and even if the mutual funds related thought

26:18 process is correct, you will be able to pay tax even if you withdraw there, so you will gain that tax related advantage too. Our next question is asked by Vijay Kumar. I am aware that if you divide the percentage of return with 72, you will get to know in how many years money will get doubled. This works with mutual funds. Yes, well one of my mutual funds is delivering 18% AAR. Can I expect that my capital will get doubled in four years? The answer for This is S and No and S for the formula. If you divide 72 by a percentage, whatever number you get, your money will double in that time . But the problem is that we are looking at the return of 18% based on the return that came with the last bull market. So normally, the 18% return expectation

27:04 works out over a long period or short periods, but if we look at it over a 15-20 year period, that is not a realistic expectation because whatever returns are there, they will decrease because as our inflation decreases and the economy develops, the return from even FD decreases, the return from real estate decreases, the return from the stock market decreases, all of these decrease. So, suppose you have a goal and have planned for that goal in terms of 18%, and your return has worked out, but only 14-15 has worked out. What happens if you fall short of that goal and you have to run and arrange other money in that time? It would be difficult, right? So if you ask me, should our return expectation ever be lower than the realistic number? Take 12%, 14% is ideal. Calculate in terms of 12%. If you have a 14% or 15% workout,

27:50 you will create an amount greater than your goal. And that's always good, right? So calculate with 12% and make a decision. The chances of 18% working out in the long term are very low. Our next question is from Samasev. Is there any difference between keeping money ready in a demat account versus keeping it in a liquid fund? Please explain. Holding that money as cash to invest in equities when there is a fall in the market is actually the right decision and keeping it in a liquid fund is because even if we normally transfer it from a bank account, it becomes difficult. If it is a large amount, or even if you invest in a liquid fund outside, you will get a plus one. Suppose you put it in a liquid asset, rather than a normal, ideally demat account, and you

28:37 sell it, you will see cash in the demat account . With that cash, you can buy any stock you want. So in fact, in the rest of the views, many of you, including some of you, leave money in your escrow account like that. Leaving money like that wo n't earn you any interest, so invest it in a liquid base instead. Okay, when you want to buy a stock, many times we wait, but if we put it in a liquid base, in such a case, we are interested in it and we want to buy it immediately, so we have money in the demat account, so we can also purchase it. So that's it for today's Ask Money show guys, if this video is helpful to your friends and family, then don't forget to share the first part with them, as it will definitely be useful for many people. And if you haven't liked the video yet, like the video and if this is your first time visiting the channel, subscribe to the channel and activate the bell icon next to it to see more content like this and upgrade your financial knowledge.

29:26 I, Sai Krishna Patri, come to you with another good video . Until then, boy, boy, take care.