Rs 1 lakh invested in these stocks would have made you crorepati

Rs 1 lakh invested in these stocks would have made you crorepati



We pulled up our database to look for stocks that have been the greatest multibaggers over the past 10 years.

That the Indian market has given outstanding returns over the long term is a known fact. But if we look deeper, individual stocks have posted returns that are nothing short of breathtaking. We pulled up our database to look for stocks that have been the greatest multibaggers over the past 10 years. To help understand the scale, we have also shown how much Rs 1 lakh invested in each stock would have grown to now. The exercise is by no means one that seeks to indulge in hindsight analysis and suggest that making such moneys by individual stock-picking is easy (most of the names mentioned below were, 10 years ago, barely-known smallcaps -- so an investor back then likely had smaller than one-in-a-million shot of identifying such companies and holding them through). But it does show that stock returns, at their best, can outpace virtually any other investment by a mile.

Happy Investing

Source: Moneycontrol.com

Wondering Why Your money Isn’t Growing?

Wondering Why Your money Isn’t Growing? Here Are 6 Risks That Can Explain Why

The possibility that your money might not grow and could actually reduce is the way most people define risk. While we agree that this is a good working definition of risk, this particular definition does not take time into account. What risk really means is the possibility that you may not meet your goals. Money is simply a means to meet your goals. 

You could fail to achieve your money goals for various reasons. These reasons are risks. You should, therefore, know what these reasons could be and prepare for them. 

Risk #1. Underestimating your money goals.

You underestimate goals when you don’t cater for inflation, or the annual increase in prices of various goods and services. A lakh is seen as a small amount today. 20 years ago it was a huge sum of money. 20 years from now a crore might be what a lakh is today.

As your goals increase, make sure to consider inflation.

Risk #2. The corpus not growing to the goal amount.

You might have calculated your goal amount correctly, catered for risks, and you also took into account inflation but you still couldn’t reach your goal amount. This is the third risk. Let’s understand why this might happen.

Reaching a goal amount depends on 3 things:

1. how much you invest

2. the actual return the investment generates

3. how long you stay invested

The final amount depends on a combination of the above factors. If you generate higher returns you might need a smaller time period or smaller starting amount. If you expect lower returns then you might need a longer time period.

Rs. 100 is not going to become Rs. 200 in a year if the investment is going to generate 8% net return. So you need to balance all 3 factors to reach your target goal – time, starting amount, and actual returns.

Risk #3.  Returns not matching expectations

Expected returns refer to the long term average returns that an investment avenue gives. There are two reasons (which mostly apply to marked linked assets) why returns don’t meet expectations:

a. Right investment avenue but wrong tool: 

You might have chosen the right asset class such as equity but the exact instrument you invested in might underperform (such as a bad mutual fund or stock). 

Solution: periodic review of the instrument to check how it is performing compared to peers or a benchmark index.

b. The market underperforms right when you plan to withdraw: 

You have stuck to the long term investment timeline but right when you want to withdraw, the market tanks. This is of course unpredictable.

Solution: withdraw investments from equity and transfer them to debt as and when your investments are near their target sum. This should be done carefully and only when you have specific requirements for the money.

Risk #4: The risk of losing money

This risk varies across investments and the loss can be invisible (inflation) or very visible (Value goes down). Let's take a look at how this applies to various common investments options:

As we can conclude from above

•           No investment is "absolutely safe"

•           Each investment has its own unique set of conditions which could cause you to lose money

•           Safety of principal is no safety because inflation reduces the value of money

Why not fraud?

Fraud is the one threat that both the government and financial institutions have regulations and guards against. If you are realistic about the returns you expect, fraudsters will find it hard to cheat you.

Risk #5: The risk of not being able to save long enough

This risk is that you couldn’t save for the expected duration or save enough. This may happen due to loss of job, accident, illness, unexpected expenses or death.

This is where insurance comes in. Insurance fills the shortfall in your goals when you are unable to. Health and accident insurance for disease and injury; household insurance for loss of property and life insurance in case of death. As of now, we do not  have layoff/redundancy insurance in India to cover job loss.

Remember though, that insurance is not an investment. It is exactly what the name implies, an insurance against your loss of ability to earn, or the loss of your assets. How much insurance you need is driven by what stage of life you are at and what your financial plan is.

Risk #6. Not understanding the true risk associated with a decision

This is essentially a summary of the above points. Risk basically takes two forms. 

Short term risk is what we see in the form of changes in the value of what we own – stock prices go down, your home is worth less than what you paid for it, etc.

Long term risk is inflation which reduces the value of your money over time. It’s a “certain risk”. Overcoming inflation is the main reason for investing and why your investment returns should beat inflation. But often, we get scared by the short term “uncertain risk” and instead choose long term “certain risk”.

Remember these 6 tips to make sure you are ready to face risk:

#1. Know your financial goals before starting to invest, do not underestimate them.

#2. Know how much to invest to reach your goals, the rate of return you need to reach them, and finally how long you will need.

#3. Don’t just select the right asset class – merely equity is not enough – you need to select the right mutual fund and rebalance periodically.

#4. Know that no investment is absolutely safe, Bank FDs look safe but you lose money thanks to inflation and bank FDs may not return inflation beating returns.

#5. Buy insurance for unforeseen circumstances (if you have dependents).

#6. Take into account both long term and short term factors when investing.

 Happy investing

Source;Scripbox

The 5 Things I Regret Not Doing With My Money Before I Turned 25

I got my first job right out of college, at the age of 21. I was proud of the fact. When I quit after a year, I was horrified to realize that I was still financially dependent on my parents.

Wasn’t getting a job supposed to mean never having to ask my parents for financial support? Where had I gone wrong then?

I found the answers now, after having studied further and worked for 4 years. Here is a 5 point financial checklist which I wish I had followed in my early years.

#1. Following the 70% rule

Born and brought up in a well-off family, I never bothered about how my living expenses were being taken care of. Working in a big city, I came to terms with the fact that mere survival takes up all my salary. A fresher’s salary in India was not enough for my extravagant lifestyle.

Only after I quit my job and found myself back to square one, I realised that I should have limited my monthly expenses to 70 per cent of my salary and sacrificed a few splurges like a pair of Nike Slippers. This way, I would have had some savings for a rainy day.

#2. Creating an Emergency Fund

My early 20s were a series of reckless spends, be it a party or a movie. As I did not plan, I ended up burning all my money on avoidable expenses. However, these experiences have now taught me to save at least 20% to 30% of my salary every month.

I began putting these savings in my Emergency Fund – which should ideally have 3-6 months’ worth of expenses in a year. Today I can focus on my long term goals of taking a home loan as I have funds for the EMIs.

#3. Not giving in to instant gratification

With mind-blowing deals on online shopping portals cropping up dime a dozen, it was always challenging to not fall for them.

But then I stopped and thought for a second if I was spending on something I didn’t even need in the first place! Think about it, do you really need those insanely loud speakers because you are getting them on 50 per cent off? Instant gratification often means instant depletion of your savings.

#4. Paying credit card bills on time

My first credit card, was an achievement, as I no longer depended on my parents for shopping! I felt comfortable with the idea of a deferred payment. Often I found myself exceeding the card limit and asking my Dad to transfer some amount in my account.

I therefore learnt to not take my credit card for granted. This helps me keep a tab on avoidable expenses.

#5. Not just saving but investing

By the time I became a senior executive, and had some savings, I realized that merely saving is not enough to grow your money. The value of money depreciates over time, due to inflation.

In simple terms, with a Consumer Price Index rate of 5 per cent (the January CPI was 5.69%), the worth of Rs. 100 at the beginning of the year, depreciates to Rs. 95 at the end of the year. That’s why whether you invest in FDs or mutual funds, you must aim at inflation beating returns.

I learnt that it’s essential to invest my savings, instead of keeping them idle in a bank account. Today, I bifurcate my investments in equity and debt mutual funds and also make sure that the effect of inflation is factored in.

 Happy investing

Source;Scripbox

The 4 Key Habits I Seeded In My 20s That Helped Me Become Rich Later

A few days ago I was speaking to our technology team about wealth creation. After all if we are in the business of helping people grow their money, so why not our own employees?

Most of the team members I spoke to are in their twenties. During the course of our conversation I realised that when people are in their twenties, they rarely have large amounts of money to invest. In fact saving itself is a challenge.

This got me thinking about my own early days. Many Scripbox team members have asked me this question:

“What did you do in your twenties that has helped you achieve financial independence?”

There were 4 specific habits I had since my early years which helped me achieve financial independence, and I would like to share them with you.

Habit #1: I budgeted

I don’t like feeling guilty and I hate taking loans, whether from friends or in the form of credit cards. As I started with a modest salary, I made sure most of my expenses were planned well in advance, including those meant for leisure and fun. I understood that spending is inevitable, but when you plan for it, at least it is guilt free.

Habit #2: I always had a financial cushion

As part of my budgeting, I also made sure that I always had a buffer. This habit made sure that I would never have nothing to invest later in my life. My friends and relatives still joke about my habit of always having a buffer when it comes to money.

A buffer for me was simply some extra cash left over after I had taken into account both expenses and savings. I never compromised over this safety net. This is why I could often afford seemingly expensive purchases as I was never compromising on my savings.

Habit #3: Although I started investing later than I should have, I always made sure to treat investments as expenses

I began to invest substantially only in my late twenties. Taking the lessons from my first two habits, I ensured that saving and investing was just another expense. It had to be catered for. Savings, for me, were never something to do with “leftover money”.

I saved first just as I paid rent or catered for fuel costs. There was nothing like “Oh, I don’t have enough money to save this month”. If you have to pay rent, you also have to “pay” for your savings.

Habit #4: I ensured jumps in my salary by continuously improving my work skills

Merely savings are never going to make you rich. You have to invest and you have to keep investing more. You can’t invest more if you don’t have money to invest.

I knew that the easiest way to make more money was to increase my salary. No one will pay you more if you bring the same skill set to the table year after year. You have to improve. I did that by upgrading my skills. This, at that time, meant an MBA, while I was working. I also took every training course my employers offered.

As I was constantly engaged in becoming better, I found better opportunities to grow. This had an obvious impact on my salary, which grew faster than if I would have simply done nothing and just hoped for an increment.

 Happy Investing

Dource;Scripbox

7 Effective Actions To Take This New Financial Year

7 Effective Actions To Take This New Financial Year

With the start of the new financial year, most people take a sigh of relief and sit back thinking that they would have more in their hand to spend, and can plan their finances better.

This is, however, when a disciplined approach comes into play and helps in long term wealth creation. With India’s equity investing population still at below 5% of the total population, there is a long way to go and so is the opportunity for the related stakeholders.

The factor that keeps Indians away from the markets and Mutual Funds is the instability and fear because of ‘not knowing’-we have stayed with fixed interest yielding instruments for too long.

The obsession of keeping the principal intact and earning something over and above has been ingrained in our social financial fabric.

If we are financially literate and aware, we can easily earn inflation beating returns as against government specified fixed but low rates.

Prudent financial planning means taking care of your expenses and modifying your current lifestyle to take care of your future goals and aspirations. 

Here are a few rules to follow with the start of the new financial year, which if embarked on, would be of significant help: 

# 1. Write your goals

Writing channelizes your thoughts and actions towards achieving. Writing brings conviction - goals are otherwise, mere thoughts. 

For example you might have been thinking of creating a retirement fund with some X amount in mind. However when you write it down and create a goal with say, INR 5 crore as corpus in 30 years, you would also come to a conclusion about your current assets, cash flow, expenses etc and thus this would trigger creation of a financial plan. 

# 2. Learn to be patient with equity

With instruments like PPF, Insurance and real estate, we are very patient and sometimes, patient beyond reason. We need to learn to be patient with our equity investments as well.

If this is an investment in which we have put in our money with conviction, then selling it in hurry should be the last thing on our mind. 

#3. Be disciplined in tough times 

This is important because with markets showing a downtrend, people cancel their SIPs. In fact, many take their money out completely. Those with a disciplined approach gain by way of accumulating more units when the markets are down. 

Discipline is also the foundation to earn from the power of compounding. Treat your SIP as a regular, compulsive contribution every month which should be reviewed only once a year or due to a significant change in the financial environment or due to a lifestyle change.  

#4. Invest in your financial Education

One of the popular Buffett quotes is: “The most important investment you can make is in yourself”. The excuse that we come across mostly, related to markets and MFs, is that ‘I do not understand these complex products and it seems to be very risky.’ The fact is that people have become billionaires by investing, but mostly by learning & investing themselves. 

Investing in knowledge is one of the pillars of success in the business world. You are confident and prepared when you know what you are getting into! 

#5. Don’t forget to execute  

It takes a jolt for people to implement something that they have been thinking of, for days, months or sometimes even years. A step by step approach would be helpful - it is also important to note that you will have to make amends to what you had originally thought of.  

Apply the principle of ‘Elimination’ to arrive at the most significant goal or the most important part of the larger goal. After you conduct all the research and finish the homework, execute. 

#6. Always have a Plan B for your income

As in businesses, Plan B helps significantly in maintaining continuity in life and in ascertaining regular income flow. Identify an area of interest which can act as a source of income as well. The times are dynamic and although the options are aplenty today, the harsh reality is that the insecurity and work related stress has been rising as well. 

There is a lot of talk about ‘passive income’ generation and how it acts as a security against your primary source of income. Investing in MFs can be the easiest Plan B - once convinced, increase your allocation as per your risk appetite and goals. 

#7. Act today 

There is no better time to invest than today. If you have 30 years for retirement from today and start a SIP worth Rs. 5000* per month in a fund which gives 15% annualized returns, it would accumulate into Rs. 2.8 Crore. However the same SIP for a person who has 25 years @ 15% will result  in  Rs. 1.38 Crore. This is a difference of Rs. 1.44 Crore for 5 years! The price for procrastination is huge in equities!

*assuming investment is done at the beginning of each month

So start investing and have a good Financial year!

 Happy Investing

Source:Scripbox

New home loan schemes to fuel your home ownership dream

New home loan schemes to fuel your home ownership dream

Home loan companies and banks have launched schemes that would make buying your dream home a reality.

Budget 2016-17 is just behind us and its nuances are still being figured out. While the common man is a tad disappointed because no increase in tax exemptions have been announced, it will be a gross understatement to say that the Finance Minister has not paid heed to the needs of the salaried tax payer at all. In fact, many announcements were made specifically with regards to the dreams of a home owner, especially if he is seeking property in the affordable segment.

For instance, for a home buyer buying a property for the very first time, an additional deduction of Rs. 50,000 allowed if loan amount is less than Rs.35 lakhs and loan sanctioned in 2016-17 and cost of house is below Rs.50 lakhs. If by such moves, if you are looking at some home loan products, here is a kitty of interesting products that have been launched recently.

Wooing the young customer

State Bank of India (SBI) the largest commercial bank of India launched a new home loan product targeted at young professionals that it christened “FlexiPay Home Loan”. This product proposes to take into consideration the net monthly income of the prospective borrower and disburse a higher amount as opposed to what he would have been eligible for under normal home loan schemes. It also offers them an interest moratorium of 3-5 years. According to the bank, this is a product that is looking at the “aspirational customer” who can choose to pay only the interest component of the loan for the first three to five years after which he is in a position to pay a regular EMI, as he moved upwards in his career path. The bank envisages that a product like this provides the much needed bridge between the demand for quality residential spaces and the affordability of the customer when he is young, ambitious and aspiring.

For the middle aged aspirant

Some of you may have dared to dream of purchasing your own property a little late in life, but are skeptical of approaching a lender because you feel that your application may be rejected just because of the age factor. Sensing the need to cater to this large middle aged segment in particular, ICICI Bank in mid 2015 launched a product called “ICICI Bank Extraa Home Loan” suitable for salaried borrowers up to 48 years of age.

The essential difference between regular home loan products and this particular product is that it allows the borrower to enhance his home loan amount by 20% and the option to extend his repayment period up to the age of 67 years, i.e after his retirement. This is the country’s first mortgage backed product and is suited for not just the salaried individual but the self-employed as well who may have had the confidence to purchase a property after a few initial years they have invested in establishing themselves as a proprietor.

For the small borrowers

The thrust of the NDA Government is on development and the Finance Minister in his budget speech too clearly indicated that his Government stands by the weaker sections of the society. Lenders thus are busy designing products that caters to the lower middle class and the lower income group. Already some interesting products have made a foray into this space.

For instance, there is Fullerton India Housing Finance Company that is offering home loans specifically designed for agriculturists and allied groups under a brand of loans christened “Grihashakti”. The average size of the credit in the range of Rs 7-10 lakhs and the annual gross household income for eligibility is Rs 1.20 lakhs. These loans will be made available to the agricultural segment of the society for both purchase as well as construction of property.

Doling out similar kind of loans in the lower income group and targeting the women borrowers in particular, Aspire Home Finance Corporation Limited (AHFCL), a subsidiary of Motilal Oswal Financial Services has launched “Mahila Awas Loan from Aspire” that is being popularized by its acronym MALA. With a credit disbursal range kept in the range of Rs 2 lakhs to 12 lakhs this product is being sold to salaried working women in private companies, small scale industries, housekeeping staff, and other self-employed women running their own business.

In keeping with the Government proposal of providing housing for all by 2022, the lenders are going all out to cater to untapped segments of the society that they realize have large aspirations. In the days to come, one can say with reasonable assurance that there will be many newer products that will tailor-made to cater to affordability.

If you are a middle class salaried individual gearing up to buy your first property, this may be a right time to take a plunge. But before you do that, do bear in mind that your CIBIL score will have a key role to play in your credit assessment. Therefore, it is an imperative that your CIBIL score remains at the level of 750 and above (out of 900) and your CIBIL report is blemish free.

Happy Investing

Source:Moneycontrol.com

strategy for buying winner stocks

strategy for buying winner stocks

Kenneth Andrade has disclosed his strategy for buying winner stocks:

(i) First identify the sectors doing well and then the best stocks in it:

There are two well-known strategies for buying stocks – the “top down” approach, in which you focus on the Industry/ Sector (e.g. consumer non-discretionary), and the “bottom up” approach, in which you focus on individual stocks (e.g. Page Industries).

Kenneth Andrade follows a unique method that is a combination of both methods. He buys only the best stocks in the best performing sectors. Applying this method, Kenneth Andrade has avoided investing funds in dud sectors like realty and infra even though individual stocks looked promising.

(ii) Buy stocks only if the requirements in the check-list are met:

Kenneth Andrade follows a rigorous process of checks and balances before he trusts a stock with his money. These are:

(a) know the management and its credentials/ pedigree;

(b) understand the business model and growth prospects of the company;

(c) the company must have positive cash flows;

(d) the debt must be Nil or negligible;

(e) the company must have pricing power and not be vulnerable to excessive competition.

(iii) Focus on information & not on hype:

This is level headed advice from Kenneth Andrade. In times of boom and bust investors tend to carried away by the noise around them. Kenneth Andrade advices investors to be rigidly focused on tangible information in the form of financial statements. “Never get carried away by the cacophony and hype on Dalal Street” he says. He adds that investors should “identify the nuts and bolts that drive the growth and profitability of the company”.

(iv) recognize your mistakes and cut your losses:

This is important advice from Kenneth Andrade. Most investors suffer from “loss aversion” and like to be in denial that they have made a mistake. If they want to raise money, they will sub-consciously sell the stocks where they have a profit but not those where they have a loss.

Kenneth Andrade cites his own experience where he made the mistake of buying PSU banking stocks SBI and PNB. Once he knew he had committed a blunder, he dispassionately and swiftly cut his losses before they could do further damage to his portfolio.

Innovative Industries is another example of a stock pick that went horribly wrong. Though the IDFC Mutual Fund held a massive lot of about 30 lakh shares, Kenneth Andrade dumped the shares when he realized he had made a mistake.

Following Kenneth Andrade’s “old-fashioned” style of picking stocks after doing thorough research should help all of us become better investors.

Happy investing

Source:ET

UNDERSTANDING BANKS ....

UNDERSTANDING BANKS ....

Retail (Universal) Banks refers to that banking which targets individuals and the main focus of such banks is retail customer whereas Wholesale Banks refers to that banking which targets corporate or big customers and their main focus is providing services to corporate clients.

Wholesale Banking services which (in contrast to retail banking) are offered only to government agencies, pension funds, other institutional customers and to corporations with strong balance sheets and sound income statements. These services include cash management, fleet and equipment leasing, large-sum loans, loan participation, merchant banking, and trust services. Borrowing and lending amongst banks in inter-bank market, often involving very large sums.

Ticket size of loans given in retail banking is low and due to it impact of NPA will be less pronounced due to diversification as compared to wholesale banking where ticket size of loan is very high and due to it impact of NPA is more pronounced.

Loans such as car, housing, educational, personal loans are some of the examples of loans given in retail banking whereas loans such as loan for setting industry, machinery advance, export credit are some of the examples of loans given in wholesale banking.

Monitoring and recovery if the loan turn out to be NPA in retail banking is more difficult because customer base is wide whereas in case of wholesale banking due to low customer base it is easy to monitor as well recover the loan given to customers.

Cost of deposit is low in Retail (Universal) Banks because retail customers do not have the bargaining power due to less deposit with them whereas in case of corporate customers banks have to offer them high interest rates in order to attract funds from them. Retail (Universal) Banks have accessto low cost funds where as its not with the Wholesale Bank . The retail liabilities of the universal banks allow them to access funds at low rates which may not be the case with Wholesale Banks.

Retail banking requires large network of branches in order to cater to large customer base and hence it results in high operational costs while in case of wholesale banking small number of branches is sufficient to cater to corporate clients.

Happy Investing

Saral Gyan Wealth Creators

Saral Gyan Wealth Creators (Since our Inception Year - 2010)

Saral Gyan was founded in the year 2010 with a vision to create wealth by investing in equities, our research team includes working professionals from different streams which are contributing to our success. Its dedication and passion of our team towards equities that make Saral Gyan one of the best independent equity research firm in identifying Hidden Gems (Unexplored Multibagger Small Cap Stocks) and Value Picks (Mid Caps with Plenty of Upside Potential) from small and mid cap space.

Below are few of the stocks which have given excellent returns to our members in the range of 200% to 1700% over a period of last 3 - 5 years.

1. Camlin Fine Sciences Ltd: Camlin Fine Sciences Ltd is one of the India's leading manufacturers and exporters of Bulk Drugs, Fine Chemicals and Food Grade products. The company manufactures active pharmaceutical ingredients (API's), food antioxidants and sweeteners. Company acquired subsidiary of Borregaard in March 2011 which was expected to help Camlin Fine Sciences in realizing better operating and profit margins in coming quarters. This acquisition ensured the easy availability of raw material Hydroquinone manufactured by Borregaard for Camlin Fine Sciences ltd. Company also introduced new products and continuously strengthening its marketing activities throughout Europe and USA. The scrip was trading at 4 X FY 2011-12 estimated earnings leaving good scope for stock price appreciation.

Investment Returns: We recommended Camlin Fine Sciences on 27th Mar'11 at Rs 6 (2 stock split adjusted price, actual recommended price was Rs. 60), stock price touched its all time high of Rs. 129 in 2015 and currently trading at Rs. 90.80 giving as on date returns of 1413% to our members. Our 15-Bagger stock as on date in 5 years, we recommended partial profit booking to our members by selling 50% of their holdings and keeping remaining quantity in their portfolio for long term.

Camlin Fine Sciences Research Report: Click here to Download

2. Cera Sanitaryware: Our equity analysts team identified Cera Sanitaryware in Dec 2011 and recommended our Hidden Gems members to invest in it at a price of Rs. 157. What made us to believe in Cera Sanitaryware as an investment opportunity was its superior products and potential to drive growth by expanding its reach to various geography of the country. Another important factor which impressed our team is significant increase in its market share by growing faster compared to well established competitors like HSIL in the same segment. 

Investment Returns: Stock of Cera Sanitaryware has made all time high of Rs. 2950 in 2015 and currently trading at Rs. 1839 today giving astonishing returns of 1071% to our members since Dec 2011. As on date, Cera is our 12-Bagger stock and no profit booking suggested by our team and we suggest our member to continue to hold this stock for long term. Moreover, we reiterated buy on Cera at price range of 400-450 and added it in our Wealth-Builder portfolio 3 years back.

Cera Sanitaryware Research Report: Click here to Download

3. Mayur Uniquoters: We recommended investment in Mayur Uniquoters at price of Rs. 56 (2 bonus issues and stock split adjusted price) in March 2012. Company is a market leader in the industry it operates, artificial leather industry offers great growth potential considering huge untapped market and its well accepted replacement products to original leather products. Company was in expansion spree with continuous rise in demand for its products and was distributing healthy interim dividends. Needless to say, nobody wants to kill animals to use their leather products. With continuous research and development, company offers more than 300 variety of artificial leather to its esteem clients like Ford, Chrysler, Hyundai, Nissan, Tata Motors, Maruti, Mahindra, Bata, Relaxo and many more.

Investment Returns: Mayur Uniquoter stock price has made all time high of Rs. 515 in May 2015 and trading around Rs. 400 today, giving as on date returns of 614% to our members since March 2012, recommended at price of Rs. 56 (2 bonus issues and 1 stock split adjusted price), Mayur Uniquoter is a 7-Bagger stock for our members. No profit booking suggested by our team yet and we suggest our members to continue to hold this stock.

Mayur Uniquoter Research Report: Click here to Download

4. Aurobindo Pharma: Aurobindo Pharma Ltd is one of the largest generic suppliers under ARV contracts, with a 35% market share. The company enjoys high market share as it is fully integrated in all its products apart from having a larger product basket. Among peers, it was trading at a 22% discount to Ipca Laboratories and a 17% discount to Torrent Pharmaceuticals, though it had a stronger product pipeline.Aurobindo Pharma Ltd was also aiming to maintain 25 ANDA filings per year, which should see the product pipeline strengthening further. Its focus on margin would also help it strengthen the bottom line. Moreover, the USFDA clearance would be an immediate booster for the company. Considering all these factors, we recommended Aurobindo Pharma as there was good scope for re-rating of the stock looking at valuations among peer group companies and growth prospects. 

Investment Returns: Aurobindo Pharma was recommended in Jan'2013 at price of 93.5 (bonus issue adjusted price) for target of Rs 137 which was achieved within 12 months, we informed our members to continue holding Aurobindo for long term. Stock price touched its all time high of Rs. 882.75 last year and currently trading at Rs. 742 giving returns of 694% to our members, our 8-Bagger stock in period of 3 years.

Aurobindo Pharma Research Report: Click here to Download

5. Kewal Kiran Clothing Ltd (KKCL): A company with experience of building strong brands since last 2 decades. As we know, strong brands offers huge competitive moat which yields to better operating and profit margins and help companies to own pricing power for their products. Our analysts missed Page Industries (owns right for selling Jockey in India and other Asian countries) and was looking for similar opportunity with justified valuations. KKCL owns brands like Killer and Lawman and is the only company from apparel industry which stands out in tough scenario with consistent profit when other companies like Provogue, V2 Retail were struggling due to high debt on books.

Investment Returns: KKCL was recommended during Diwali in 2012 at price of 729 for target of Rs 990 and later again reiterated buy at Rs. 1050 for long term. Stock price touched its all time high of Rs. 2380 in 2015 and currently trading at Rs. 1720 giving returns of 136% to our members in 3 years. Fundamentals are intact, valuations are reasonable and company has strong brand building expertise in apparel industry, hence we suggested our members to stay invested in this stock for better returns in future.

Kewal Kiran Clothing Ltd (KKCL) Research Report: Click here to Download

6. TCPL Packaging: TCPL Packaging Ltd., (formerly known as Twenty-First Century Printers Ltd) began commercial production in April 1990. It is one of India's largest manufacturers of printed folding cartons, and one of the few listed packaging companies in India. TCPL Packaging signed a technical collaboration agreement with AR Packaging Group AB, Lund Sweden in Nov 2012. The objective of the agreement was a strategically partnership mainly in the manufacturing, sourcing and sales and marketing in India for solid folding cartons which was expected to augur well for the company. Moreover, TCPL's corrugated cartons plant at Haridwar commenced production from March 2012 to offer innovative packaging solution.

Investment Returns: TCPL Packaging was recommended in Jan 2013 at average price of 70.50 for target of Rs 160. We suggested to hold the stock once target was achieved considering improved fundamentals and reasonable valuations. TCPL stock price touched its all time high of Rs. 700 in Nov 2015 and currently trading at Rs. 535 giving returns of 659% to our members, our 7.5-Bagger stock in period of 3 years.

TCPL Packaging Ltd Research Report: Click here to Download

There are many other stocks which have given returns in the range of 200% to 1100% during last 5 years to our Hidden Gems and Value Picks members, the list includes Sri Adhikari Brothers, Wim Plast, De Nora, Super House, Indag Rubber, WPIL, Acrysil, Kovai Medical, Atul Auto, ABM Knowledgeware, Premier Explosives, Amara Raja, Godrej Consumers, Force Motors, Roto Pumps etc. If you wish to invest in fundamentally strong small and mid cap companies which can give you far superior returns compared to major indices like Sensex or Nifty in long term and help you creating wealth, you can join our services like Hidden Gems, Value Picks & Wealth-Builder.

Time has shown that smart investors have made their fortune by investing in equities in long term. None other asset class can match giving you such extra ordinary returns. Yes, its important for you to invest in right set of companies at right price with medium to long term perspective. If you think to invest in stocks for period of 3 months or 6 months, we suggest you to stay out of stock market because you are not investing, you are betting on volatility of stock market which could be risky.

Its our mission to ensure that you reap the best returns on your investments, our objective is not only to grow your investments at a healthy rate but also to protect your capital during market downturns.