Vikas Seth

@earthcurated #wayoflife

@kothariabhishek @Bajaj_Finance Ho ho

Brokerage write up: @Bajaj_Finance Bajaj Finance (BAF) 1QFY27 Earnings calls highlights: Positive commentary on all fronts Business ■ Management reiterated its FY27 growth guidance of 22-24% and indicated that it will reassess the outlook after Q2FY27. ■ Growth remained broad-based across businesses. Rural Consumer Finance and Urban Consumer Finance benefited from both organic volume growth and higher SKU prices. Management expects further increase in SKU prices as indicated by OEMs. ■ Management expects the MSME business to return to growth by Q3FY27, following the portfolio pruning undertaken since last year as part of its risk actions. ■ Management guided the Gold Loan business to expand to 2,700-2,800 branches (potentially ~3,000) and achieve Gold Loan AUM of Rs 290-310 bn by FY27-end. The company is currently adding ~110 Gold Loan branches per month. ■ Management reiterated that the Gold Loan strategy remains focused on network expansion and process excellence, with ~25% of sourcing currently coming through digital channels. ■ The digital platform is expected to originate Rs 450-470 bn of business in FY27, increasing to Rs 500 bn in FY28. ■ Management has identified ~160 branches for FY27 expansion and intends to continue adding 200-250 branches annually. Margins ■ Management reiterated its FY27 margin guidance and continues to expect 10-15 bps NIM moderation. ■ Incremental cost of funds has increased by 30-60 bps in line with market rates. Management expects cost of funds to remain range-bound with a slight upward bias, supported by its longer-duration liability profile. ■ Management expects profit growth to outpace balance sheet growth, strengthening capital generation over time. Opex ■ Management reiterated its guidance of 25-40 bps improvement in Opex-to-NTI during FY27 despite continued investments in branch expansion. ■ The company plans to expand its AI workforce from 230 to 400 employees and add another 300 employees to the digital platforms team. ■ Management indicated that AI use cases are deployed only where they deliver meaningful cost efficiencies versus manual processes. Voice AI currently operates at nearly one-third of human cost, leveraging proprietary infrastructure, open-source technologies and smaller AI models. Asset Quality ■ Management remains positive on the FY27 credit cost outlook and expects further improvement in portfolio performance over the coming quarters. ■ The company created an additional management and macroeconomic overlay of Rs 2.96 bn to account for geopolitical and monsoon-related uncertainties. Management expects to provide further clarity on provisioning overlays after Q2FY27. Others ■ FINAI: 27 bots went live during Q1FY27. ■ AI-led underwriting has improved disbursement process efficiency by over 20%. ■ The proprietary Custom AI Model remains on track for launch in Q2FY27 for the B2B business, with a B2C rollout planned by October-November 2026. Management expects it to significantly improve customer acquisition and data-driven decision-making. ■ AI voice and text bots are targeted to process Rs 110-120 bn of disbursements during FY27.

@InvestiVibe_ Who all holding

Another demerger in Vedanta... Is the group on drugs? Real Estate Business, one share per 20 held....

@vishan_29 @Nifty_Investor1 Kitna Tak

@Nifty_Investor1 Gold what levels do you see

US10y-2y Breaking out on weekly This is good news for Gold. 🥳🥳🥳

@TheScooper7 Bhaai, unsee Puchoo till which year will he own it

Sunil Singhania's Abakkus Venture Opportunities Fund bought shares of a SME company BaiKakaji Polymers. 6,08,400 @ 200.34 Last month, Motilal Oswal picked up 6,00,000 shares @ 196

@hvgoenka Swami ji,great Picture,

Some great football moments which will touch your ❤️!

@Stock_Precision FII has been consistently increasing buying here

US GDP Growth came in at 1.5% than 2.1% expected Impact of Iran War has started showing up

@RakJhun At thos level of Businezz, What is the market Cap , you are looking at

Sachin Bansal invested $1B he got for Flipkart into SML Mahindra which now has done double 20% UC. He has 10% of SML worth ₹555 Cr. SML will acquire M&M trucks & bus division. Goal is be top 3 in India’s ILCV Trucks & Buses with focused play in HCVs & ₹12500 Cr business by FY31

@PulkitA30298377 The co pany has faced real downgrade, These investors are taking the right steps

MIT bought #KPIT at 400, 4 yrs ago, stock touched 1600 during this period they didn't exited. Now MIT exiting this stock at 590 Perfect entry, Target, Level are myth, only scammer can do these bullshit.

@srinivasiyc Puuchhne walli himmat haai

ताना-शाह कब होगा बर्खास्त..?

@ManariSarath Wow, they know the top bosses

Sumeet Industries CMP 24.69 - Today the consortium of banks - Bank of Baroda, Central Bank of India, Canara Bank, Union Bank, IDBI Bank, and the German lender were allocated 84.31 lakh shares at a price of 33.21 Rs which is 26% above todays closing price. The share price is falling because of technical reasons of fresh SUPPLY of rights issue shares hitting the Markets and being put up for sale mostly by retailers...The promoters had 90% holding prior rights issue and the right issue was done to bring promoters stake below 75% as per sebi regulations wherein promoters did not subscribe to rights which were attractively priced at just 11.86 Rs for the benifit of retail investors. Post Rights there are just 69.5 Cr shares of which roughly 5 cr shares are being dumped by retailers who got Rights allotment that was oversubscribed by 2.5 times ... Rights issue was done for perforce promoter stake reduction to 75% and the money is being used to expand capacity by 100% . The promoters Eagle group acquired/ purchased the company in 2024 in an NCLT takeover... They turned around the company in just one year into profits last financial year clocking 1000+ cr revenue and 30 Cr profits.... Company has given guidance of doubling of revenue in one year on the back of doubling capacity Fundamentally it's a great value investment whenever LC opens .. share price can easily multiply and cross three digits this year on the back of capacity expansion and FTA agreement for textile export with multiple countries including UK , Newzealand and soon with europian union GREAT FUNDAMENTAL VALUE BUY ONLY WHEN LOWER CIRCUIT OPENS

@volklub Why the urge to show foreign Travel

Much needed trip with family so that they allow me to travel for auto trips too. 😉

@PulkitA30298377 Based on this Result, which day are you purchasing fresh

Are u worrying? Stock down 5% on 200% growth Don't worry, I love such Market reaction 👌

@Tejashyy Huuh

🚨 Former UP Police DGP Vikram Singh thrashed Abhijeet Dipke and CJP: Parliament is not a walking park or a picnic spot. They got off cheaply that only pellet gun used Nothing else has been used yet. I am a former DGP. Whenever I go to Parliament, I have to go through three stages of verification. I provide my identification even though everyone there knows me. If you dare, try doing this in America and find out what consequences people face for such actions. If even 1/100th of this had happened during our time, the first thing we would have done was put the top 150 leaders behind bars.

@RupakRoyC Kab talak Rakhna haai

SML ISU...MAHINDRA Boom boom boomer

@RupakRoyC Toll which level of Burj Khalifa

What happened? Now SML Mahindra will acquire the Truck & Bus Division of Mahindra & Mahindra on a slump sale basis for ₹525 crore. The business transfer includes manufacturing assets, employees, intellectual property, contracts, licenses, and liabilities. The transaction is expected to close by 31 January 2027, subject to shareholder and regulatory approvals.

@TellingRavindra Why, his job dine.

ये विनोद राय है। भारत के CAG रहे हैं । इन्होंने तथाकथित "कोयला घोटाला" (Coal Block Allocation Case) को राष्ट्रीय स्तर पर प्रमुख मुद्दा बनाने में महत्वपूर्ण भूमिका निभाई थी। साल 2012 में CAG ने संसद में अपनी ऑडिट रिपोर्ट पेश की। जिसमें 1.86 लाख करोड़ का नुकसान बताया गया। सुप्रीम कोर्ट ने ये सब खारिज कर दिया और डॉ मनमोहन सिंह को क्लीन चिट दे दी। विनोद राय के बारे में भी दो शब्द लिख दीजिए।

@RupakRoyC Kya yeaj MultibStagger Bannega 5-6 Years,

Tilak nagar

@Vivek_Investor SmL ISuZub

Anything that rises at speed will fall at the same speed. Cosmic Law |

@BaijuBears Why so Excited,

𝐂𝐋𝐒𝐀 𝐨𝐧 𝐀𝐒𝐈𝐀𝐍 𝐏𝐀𝐈𝐍𝐓𝐒 Bearish view with under-perform Sell for ₹1860 CMP: 2758 -40%🔻from current Bar #Asianpaints

@SECTOR_RES0123 Aome will not understand, rime correction

Waaree energy result today Very undervalued stock CMP 2694/- #waaree