Hello Readers,
I am planning to develop Personal Finance Software Desktop application suitable for individuals. Plan to share it for free. My estimated efforts to get a basic version in place would be 6 months. Currently planned to be suitable for usage in India. Though can be adopted for other country locales.
Whilst I do so this is an earnest request to share kind of features you think such an software should provide. Also send emailto admin@perfirm.com such that you can be proud early adopter of the software.
All comments and suggestion are more than welcome. If you as reader also host you finance blogs post a note to me, I will be more than happy to share free download links no sooner available. I can also enlist your blogs in the app depending on contributions you make in terms of domain knowledge, feature request, early adoption and testing of the application.
PerFiRM
IMPORTANT! Please read disclaimer..before proceeding
There is no guarantee / certainty of profits or windfall gains to be made on the basis of data or information on this blog. The author accepts no liability for any interpretation of articles or comments on this blog being used for actual investments.
Saturday, August 6, 2011
Personal Financial Resource Management Software
Monday, October 11, 2010
Updates on Binani Cement on Target
This is another stock I recommended in mid sixties then around October 2009. Its one year since then. Though I had given a target of 50% upside in nine months it took a while. Maybe due to being commodity stock in nature.
I understand Binani Industries parent company is planning to delist the shares. Delisting price can be anywhere around Rs. 110/- - Rs. 120/- per share but then it would be speculating prices. Given the fact that Binani Industries will delist it it would be nice proxy play to buy / switch to Binani Industries shares itself.
I plan to come out of this stock in open market when delist offer comes in. Take you informative call if you have invested in this company.
Updates on XPRO India on target
Hi Readers,
I had recommended this stock at Rs 24/- in my value pick and small cap segment on Aug 31st 2009. Since then it has trebled. No doubt had been a slow mover but given the fact that it has been consistent dividend paying company and paid dividend of around 5% yield on then market price.
I had mentioned it is young and haven't caught market frenzy. It looks like finally it has caught the eyes and today it on Up circuit at Rs. 73.75. I myslef would start booking partial profits as it comes off the upper circuit. However given the margin of safety I enjoy in the stock @Rs. 19 I can holds on for long term and reap tax free dividend @ almost 10% yield.
Wednesday, March 31, 2010
Checklist for Tax as of 31 Mar 2010
Listed below is quick check list of data to be needed for close of FY10 as of 31 Mar 2010 end of day(eod)
1> Dividend received through the year 09-10
2> Interest earned on FD/RD or other tax saving instruments
3> Statement of Demat account as well as Demat holding eod 31 Mar
4> All tax saving investment proofs
5> Statement of Medical reimbursement claimed
6> Any LTA claimed and supporting documents
7> Any donations related tax exempt proofs
The above list is just indicative and not exhaustive
Tuesday, March 23, 2010
CAGR for Monthly Deposits
Click here to view /download Compounded Annual Growth Rate (CAGR) calculator for regular monthly savings at varied rate of interest.
See sample below:
Friday, December 11, 2009
Cox & Kings Listing Strategy
Happy Investing!
Wednesday, November 18, 2009
Cox and Kings
Cox and Kings:
IPO Opens: 18th Nov 2009
Closes: 20th Nov 2009
Rating: ****
Recommendation: Subscribe
Fairly valued IPO after long time
Issue details below:
The company will raise more than Rs 610 crore from the issue, out of which it will get over Rs 509 crore and the rest will be given to shareholders.
CARE has assigned a 'CARE IPO GRADE 4' to the proposed IPO. CARE IPO Grade 4 indicates above average fundamentals.
The equity shares are proposed to be listed on Bombay Stock Exchange Limited and the National Stock Exchange of India Limited.
The objects of the fresh issue are to provide funding for repayment of loans; acquisitions and other strategic initiatives; investment in overseas subsidiaries and investment in corporate office & upgrading our existing operations.
Link for prospectus: http://www.nseindia.com/content/ipo/RHP_CNK.zip
Wednesday, November 11, 2009
Tuesday, November 10, 2009
Indian Hotels / 3i Info
Buy call on both CMP 85.50
Stop Loss: just below 80
Target Indian Hotel: T1: 90, T2: 94 T3: 99
Target 3i Info: T1: 89, T2: 94, T3:99
Monday, November 2, 2009
Putting Money to Work, an Introspection?
Wednesday, October 28, 2009
Updates on Market Fall 27-28 Oct 2009
For long term investment investors can start adding good quality companies at 4730-4750 Nifty levels to their portfolio. Some recommendations by FinWin would be to add: (Not all but selective 3-4 companies of your likes / sector which you understand better)
TV 18 / UTV Software / Reliance Media Works (Media)
Just one suggestion is buy in staggered fashion such that on further fall more can be added.
Friday, October 23, 2009
Binani Cement Ltd.
Binani Cement a part of Braj Binani Group. The Braj Binani Group is a well-diversified industrial house with a 138-year history behind it. Today, the group is actively working in the core sectors of Cement, Zinc, Glass Fibre and Downstream Composite Products.
Binani Cement Limited is the flagship subsidiary of Binani Industries Limited (BIL), the Braj Binani Group. It?s a cement manufacturer with an asset value of Rs. 1779 crores and a turnover of Rs.1960 crores, with subsidiaries in Dubai, China and expanding by the day. Binani Cement has established itself as one of the top companies in the industry in terms of efficiency and performance.
3 Yr CAGR Sales (%) : 45
3 Yr CAGR Profit (%) : 25
Promoter Shareholding (%) : 64.91
FII Shareholding (%) : 2.39
Return on Equity (%) : 28.24
MCap.(Rs. in Cr.) : 1299
P/E (x) : 5.75
TTM EPS (Rs.) : 11.64
BV (Rs.) : 24.59
Div. Yield (%) : 5.3
FV (Rs.) : 10
Industry P/E: 9.x
Binani has come out with stellar set of back to back quarterly result with earlier quarter at EPS 5.25 and current Quater at 4.98i.e end Sep-09 for Half year EPS is already 10.23 with CMP at Rs. 67 is a bargain buy. Given 3 yr. CAGR profit and slaes growth at 25 and 45% it is a reccomended value pick. Besides in long run cement industry is expected to be one of the key beneficiaries of Infra Growth story.
Given past P/E ratio assigned to Binani Industry of around 8 for trailing earnings stock can be expected to touch 93 - 100 in short term 6 - 9 months i.e arround 50% appreciation from current price.
Reliance Media Works
Buy Reliance Media Works (Foremer Adlabs) at CMP 328 with Stop Loss at 310 for Target of T1 360, T2 376. T3 392 in next 1-3 Months.
Fell of 8-9% yesterday due to weak global cues, bounce back expected today following good quarterly results.
Trigger: Good results declared after market closing yesterday. Possible Rights issue in near future.
Disclaimer:
Please note that the stocks in Quick Pick segment can give a POP of +/- 10-15 % and is purely speculative in nature. This is reccomendation for a person with High Risk appetite.
Wednesday, October 21, 2009
Access your CIBIL Report
You can request for a copy of your CIBIL CIR in three quick steps through Email, Mail, Telephone or Fax:
1. Email the CIR Request Form duly filled in
2. Mail self attested hardcopies of you lastest Identity Proof1and Address Proof2 documents and Fees3 to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and copy of your CIR will be dispatched to you.
1. Write to CIBIL with the CIR Request Form duly filled in
2. Also mail self attested hardcopies of your Identity Proof1 and lastest Address Proof2 documents and Fees3 to P.O.BOX 17, Millennium Business Park, Navi Mumbai- 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and copy of your CIR will be dispatched to you.
1. Fax CIBIL the CIR Request Form duly filled in
2. Mail duly filled in CIR request form and self attested hardcopies of your Identity Proof1 and latest Address Proof2 documents and Fees3 to P.O. BOX 17, Millennium Business Park, Navi Mumbai - 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and a copy of your CIR will be dispatched to you.
1. Fax CIBIL the CIR Request Form duly filled in
2. Mail self attested hardcopies of your Identity Proof1 and latest Address Proof2 documents and Fees3 to P.O.Box 17, Millennium Business Park, Navi Mumbai 400710
3. Once CIBIL receives the documents and Fees3, your request will be processed and a copy of your CIR will be dispatched to you.
1. Valid Identity Proof: PAN Card/ Passport/ Voters ID (Mail self attested hard copy of any one of these Identity Proofs)
2. Valid Address Proof: Bank Account Statement/ Electricity Bill/ Telephone bill (Mail self attested hard copy of any one of these Address Proofs)
3. Payment terms: Demand Draft (DD) of Rs 142/- (inclusive of all taxes and express delivery charge), in favour of Credit Information Bureau (India) Limited payable at Mumbai
Please note that the fee once paid is non-refundable.
CIBIL has no authorised agents. Please do not contact anyone other than CIBIL in order to gain access to a copy of your Credit Information Report.
Your CIBIL CIR will be presented to you in a simple and easy to understand format. However, on receiving your CIBIL CIR, if you require any explanation/clarification, you can email us at consumerqueries@cibil.com or call us on 022-61404300.
CIBIL is always at your service to assist you.
P.O Box 17,
Millennium Business Park,
Navi Mumbai- 400710
Tuesday, October 20, 2009
Updates on XPRO India Ltd.
FinWin is recommends buy on XPRO India Limited as a Quick Pick for short term this stock can also be held for long term perspective, click for details on XPRO India for report published earlier as value pick
Short Synopsis:
| MCap.(Rs. in Cr.) | 26 | YTD Sales Growth | 10 - 20 % | |
| BV (Rs.) | 97.65 | YTD Profit Growth | 50% | |
| Div. Yield (%) | 4.16 | Share Capital | 11 Cr | |
| EPS (Rs.) | 0.75 | Reserves and Surplus | 96.41 Cr | |
| P/BV | 0.325 | CMP | 31.80 |
Risk reward ratio 1: 2.5
TGT: 15 - 20 % in next 1-3 months time horizon
T1: 36, T2: 38, T3: 42
Current Trigger: Positive breakout above 52 week high level with very huge volumes (almost 10 times 2 week average in just 2 hrs of trading today morning)
QuickPick Tracker
Disclaimer:
Please note that the stocks in Quick Pick segment can give a POP of +/- 10-15 % and is purely speculative in nature. This is reccomendation for a person with High Risk appetite.
Updates on Jindal Saw Ltd.
CMP:822
T1: Target 1 800 achieved (appreciation 8% from recommended price)
Approaching T2: Target 2 (11% appreciation)
Strategy book partial profit around T2 level and hold rest with stop loss at 789
QuickPick Tracker
Cheers!
FinWin
Saturday, October 17, 2009
Historical returns on Sensex since 1979
As it is quite evident from the data 'Probability of Loss' in short term is 50% to 9% with 'Average Return' ranging from 18% to 11% and 'Deviation from Average' from 30% to 7.5% points for investment time frame of 1 year to 7 year period. However with time horizon of investment more than 10 year to 30 years you will see that 'Probability of Loss' is NIL with returns averaging from 10% to 20% and deviation from average of around 4.75% to 2.5%.
Thus based on the facts and figures as presented below the conclusion derived is that investment in Index in short to medium term provides return of 11%-18% CAGR with deviation of around +/-7 to 30 with Probability of capital erosion of around 9%-50% hence proving very volatile with risk to the capital invested. But if a person is invested over long term i.e. 10+ years than 'Probability of Loss' or 'Capital Erosion' is virtually NIL providing a return of 10% - 20% CAGR with average deviation of +/- 2 to 5 points.
Click here
Friday, October 16, 2009
High Return Corporate Fixed Deposit Scheme - KCP Ltd.
KCP Limited a part of KCP group offers lucrative fixed deposit scheme:
Highlights:
Non-Cumulative Deposit
Tenure: 1 to 3 years
Rate of Returns: 10 to 10.5 % p.a.
Min. Investment: INR 21000/- and thereafter in multiple of 1000
Payout: Quarterly
Risk: Credit rating from Credit rating agency not known (check website for more details)
Cumulative Fixed Deposit
Tenure: 1 to 3 years
Rate of Returns: 10 to 11% CAGR
Payout: On Maturity
Risk: Credit rating from Credit rating agency not known (check website for more details)
At the look of it the fixed deposit scheme looks quite attractive from a good company, but before taking an investment decision ensure to read all terms and conditions, risk factors etc. I am not sure if the scheme has sought any credit ratings for the instrument from 3rd Party Credit Rating agencies like ICRA, CRISIL or any others.
Click here for more detail or alternate link
Jindal Saw Limited
FinWin is recommending buy on Jindal Saw Limited as a Quick Pick for Short Term.
I will post more detailed analysis soon.
Short Synopsis:
CMP: 741
EPS: 58
P/E Ratio: 13
BV: 532
P/Book: 1.4
3 Yr CAGR Sales Growth (%) : 30.x
3Yr CAGR Profit Growth (%) : 50
Buy at CMP with stop loss of Rs. 700*
Risk reward ratio: 1:3
TGT: 15 - 20 % in next 1-3 months time horizon
T1: 800, T2: 825, T3: 850
*By oversight I didn't put stop loss in the morning, fortunately trade did go our way, since it has now closed at 789 you can move stop loss to recommended buy level / purchase price this will help you protect the capital going ahead.
Disclaimer:
Please note that the stocks in Quick Pick segment can give a POP of +/- 10-15 % and is purely speculative in nature. This is reccomendation for a person with High Risk appetite and its very risky proposition.