4. The charioteer (Krishna)represents the intellect. Krishna represents the super soul or the inner witness

5. The passenger (Arjuna) represent the soul

With this symbolism, our purpose in life as human beings is to use our mind and intellect to take the chariot (body) to the destination. The destination is understanding life and attaining enlightenment.

🧬 *HEALTH CARE:© HOME REMEDIES*🩺
( *Note* : These home tips followed in villages/ancient traditions, it is up to you to use it or not🙏🏻)

*The pomegranate* is a fruit that contains hundreds of edible seeds called arils. They are rich in fiber, vitamins, minerals and bioactive plant compounds.

Regular intake of pomegranate juice has been shown to lower blood pressure levels in as little as two weeks.

Pomegranate has antibacterial and antiviral properties which may be useful against common gum diseases and yeast infections.

*Regards*

╭───────────────────╮
*🙏PLZ FOLLOW GOVT. NORMS, MAINT SOCIAL DISTANCE, KEEP YOURSELF ©YOUR FAMILY SAFE🌼*
╰───────────────────╯

*Dr. Lal Pathlabs Ltd.* | *CMP* Rs. 2833 | *M Cap* Rs. 23612 Cr | *52 W H/L* 3399/1500
(Nirmal Bang Retail Research)
*Result is marginally above expectations*
Revenue from Operations came at Rs. 431 Cr (-4.7% QoQ, 42.9% YoY) vs expectation of Rs. 432.3 Cr, QoQ Rs. 452.4 Cr, YoY Rs. 301.7 Cr
EBIDTA came at Rs. 122 Cr (-12.1% QoQ, 112.9% YoY) vs expectation of Rs. 119.5 Cr, QoQ Rs. 138.8 Cr, YoY Rs. 57.3 Cr
EBITDA Margin came at 28.3% vs expectation of 27.7%, QoQ 30.7%, YoY 19%
Adj. PAT came at Rs. 85.1 Cr vs expectation of Rs. 80.4 Cr, QoQ Rs. 94.5 Cr, YoY Rs. 32.5 Cr
Quarter EPS is Rs. 10.2
Share is trading at P/E of 66.9x FY22E EPS

*State Bank of India Q4FY21 Concall Update*
(Nirmal Bang Securities)

*Asset Quality surprises positively for second consecutive qtr*

*Outlook: Positive*

• Result was above estimates mainly due to lower than expected slippages and a decline in GNPA, restructured and SMA book.
• GNPA came at 4.98% vs QoQ 5.44% (proforma)
• NNPA came at 1.5% vs QoQ 1.81% (proforma)
• As on Q2, SBI was expecting additional slippages of Rs. 20,000 Cr in H2 however, the figure has come at Rs. 13,229 Cr. Gross proforma slippage in Q4 has further declined to Rs. 5473 Cr (0.9%) vs QoQ Rs. 7,519 Cr (1.3%) against 2.2% in FY20, which was impressive. Total slippage for FY21 was at Rs. 28,564 Cr (1.2%)
• Restructuring is marginally lower QoQ at Rs. 17,852 Cr (0.7%) vs QoQ Rs. 18,125 Cr (0.8%)
• Total slippages + Restructuring for FY21 at Rs. 46,416 Cr against earlier guidance of Rs. 60,000 Cr .
• Slippages in FY22 will mainly be from SME & Agri and will be minimal from retail & corporate.
• SMA 1 & 2 book also declined from Rs. 17,946 Cr (76 bps) in Q3 to Rs. 11,519 Cr (48 bps).
• Collection efficiency has declined by just 20 bps in April from March as bank feels second wave will have some impact with a lag.
Bank has addition provision buffer of Rs.25376cr to deal with future NPA
• We expect credit cost to gradually reduce in coming quarters from the current run-rate of ~180 bps which should increase the ROE to double digits by Q4FY22/FY23 after a gap of 7 years. FY15 was the last year when the bank delivered double digit ROE post which asset quality issues accelerated. Bank is targeting ROE of 15% in long run.
• Corporate GNPAs carry a reported PCR of over 88%, so legacy book is taken care of.
• Advances growth was +3% QoQ and +1% YoY and stood at Rs. 24.5 Lac Cr. Retail advances grew 16% YoY while corporate degrew by -3% YoY.
• Domestic NIM for the quarter at 3.11% vs QoQ 3.34% & YoY 2.94% YoY.
Bank had several of Interest of Rs 2127cr and reversal on Interest on Interest of Rs830cr during the quarter adjusted to this NIM would have been higher
This led to NII growth of 19% YoY. Opex grew by 16% YoY (Deposit insurance premium for FY21 increased to 4348 Cr against 3213 Cr in FY20. This was bunched up in Q4 and caused higher growth in opex). This resulted in PPOP growth of 25%.

*Stock is trading at P/E of 11.7x FY22E EPS & 1.2x trailing P/Adj. BV (adj. for subsidiaries value)*

Rakesh Jhunjhunwala

Sold 2,500,000 of
Tata Motors Ltd. ( Block Deal on NSE, 21 May 2021 )
Sold 2,500,000 of
Tata Motors Ltd. ( Block Deal on NSE, 21 May 2021 )
Sold 5,000,000 of
Tata Motors Ltd. ( Block Deal on NSE, 21 May 2021 )
Bought 10,000,000 of
Tata Motors Ltd. ( Block Deal on NSE, 21 May 2021 )

Rekha Jhunjhunwala
Bought 10,000,000 of
Tata Motors Ltd.
( Block Deal on NSE, 21 May 2021 )

*KEY RESULTS 22-05*
AKZO NOBEL
AMARA RAJA BAT
AMBER ENTER
GUJARAT AMBUJA EXP
GANESHA ECOS
GULSHAN POLYOLS
MANGALAM CEMENT
MCX
ORCHID PHARMA
PUNJAB & SIND BANK
SAGARSOFT
SARDA ENERGY & MIN
SPANDANA SPHOORTY
SUNDARAM BRAKE LIN
TVS ELECTRONICS
ZUARI AGRO CHEM
WELCAST STEEL

Air India hit by massive data breach, flyer data compromised
https://timesofindia.indiatimes.com/business/india-business/air-india-hit-by-massive-data-breach-flyer-data-compromised/articleshow/82836734.cms
Download the TOI app now:
https://timesofindia.onelink.me/mjFd/toisupershare

METALYST FORGINGS Q4 : Net Loss of Rs 74.24 cr against Rs 68.93 cr (YOY)

Revenue Flat at Rs 39.4 cr

BALAXI PHARMA Q4 : Net Profit Up 313 % to Rs 44.3 cr (YOY)

Revenue up 34 % to Rs 610 cr

Recommends Rs 0.80 as final Dividend

WHEELS INDIAQ4 : Net Profit Of Rs 27 cr against Rs 4.7 cr last year

Revenue up 56 % to Rs 928 cr

*ELGI EQUIPMENTS LTD.* | *CMP* Rs. 216 | *M Cap* Rs. 6833 Cr | *52 W H/L* 244/63
(Nirmal Bang Retail Research)
*Result ahead of expectation*
Revenue from Operations came at Rs. 610.6 Cr (11.6% QoQ, 34.3% YoY) vs expectation of Rs. 547.8 Cr, QoQ Rs. 547.1 Cr, YoY Rs. 454.7 Cr
EBIDTA came at Rs. 79.2 Cr (28.8% QoQ, 192.8% YoY) vs expectation of Rs. 63.3 Cr, QoQ Rs. 61.5 Cr, YoY Rs. 27 Cr
EBITDA Margin came at 13% vs expectation of 11.6%, QoQ 11.2%, YoY 5.9%
Adj. PAT came at Rs. 43.4 Cr vs expectation of Rs. 34.2 Cr, QoQ Rs. 34.6 Cr, YoY Rs. 1.1 Cr
Quarter EPS is Rs. 1.4
Share is trading at P/E of 50.7x FY22E EPS

MARKET WIZARD NEWSLETTER ISSUE 11

Fundamental Stocks

▶️ITDC Ltd
▶️Emmbi Ltd
▶️Accel Ltd
▶️Bhageria Industrial Ltd

Technical Stocks

▶️Avanti Feed Ltd
▶️Bector Ltd
▶️ITD Cementation Ltd
▶️Munjal Showa Ltd
▶️On Mobile Ltd

TEAM MARKET WIZARD

UPDATE

ERRONEOUSLY INSTEAD OF MENTIONING AS ISSUE 11 WE HAVE WRITTEN IT AS ISSUE 10

WE REGRET FOR THE INCONVENIENCE CAUSED AT OUR END.

THIS NEWSLETTER HAS OUR LATEST ARTICLES AND TECHNICAL CHARTS AND RECOMMENDATIONS

MARKET WIZARD NEWSLETTER ISSUE 11

Fundamental Stocks

▶️ITDC Ltd
▶️Emmbi Ltd
▶️Accel Ltd
▶️Bhageria Industrial Ltd

Technical Stocks

▶️Avanti Feed Ltd
▶️Bector Ltd
▶️ITD Cementation Ltd
▶️Munjal Showa Ltd
▶️On Mobile Ltd

TEAM MARKET WIZARD

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Good Afternoon to all the dear members and my colleagues

In Markets every day we are witnessing consolidation in Nifty and in stocks too.
Taking position is becoming risky for Intraday and F&O. There are concerns towards which side the market will show its move

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