𝗦𝗵𝗮𝗿𝗱𝗮 𝗖𝗿𝗼𝗽𝗰𝗵𝗲𝗺 𝗟𝘁𝗱 (𝗦𝗖𝗟) - 𝗕𝗨𝗬 𝗳𝗼𝗿 𝗧𝗣 𝟱𝟱𝟬
𝙈𝙤𝙨𝙩 𝙐𝙣𝙙𝙚𝙧𝙫𝙖𝙡𝙪𝙚𝙙 𝘼𝙜𝙧𝙤𝙘𝙝𝙚𝙢𝙞𝙘𝙖𝙡𝙨 𝙎𝙩ock

𝙳𝚎𝚋𝚝 𝙵𝚛𝚎𝚎 𝙲𝚘
𝙿𝚛𝚘𝚖𝚘𝚝𝚎𝚛𝚜 𝚂𝚑𝚊𝚛𝚎𝚑𝚘𝚕𝚍𝚒𝚗𝚐 - 𝟽𝟻% (𝚉𝚎𝚛𝚘 𝙿𝚕𝚎𝚍𝚐𝚎)
𝚁𝙾𝙴 𝚘𝚏 𝟷𝟿% 𝚏𝚘𝚛 𝚙𝚊𝚜𝚝 𝟷𝟶 𝚢𝚛𝚜

*Stellar Q4 Expected*
▫️Q4FY21 Revenue estimated at 1040cr
▫️Q4FY21 PAT estimated at 130cr
▫️Q4E EPS estimate of 14.5

▪️FY22 Revenues estimated at 2550cr
▪️FY22 PAT estimated to be 285cr
▪️FY22 EPS estimate of 32rs

*𝐒𝐂𝐋 𝐭𝐫𝐚𝐝𝐞𝐬 𝐚𝐭 𝐏/𝐄 𝐨𝐟 𝐣𝐮𝐬𝐭 𝟏𝟎𝐱 𝐅𝐘𝟐𝟐𝐄 𝐄𝐏𝐒*
(𝘛𝘰 𝘨𝘪𝘷𝘦 𝘢 𝘱𝘦𝘳𝘴𝘱𝘦𝘤𝘵𝘪𝘷𝘦, 𝘗𝘐 𝘐𝘯𝘥 𝘵𝘳𝘢𝘥𝘦𝘴 𝘢𝘵 45𝘹 𝘍𝘰𝘳𝘸𝘢𝘳𝘥 𝘗/𝘌 𝘢𝘯𝘥 𝘜𝘗𝘓 𝘵𝘳𝘢𝘥𝘦𝘴 𝘢𝘵 21𝘹 𝘍𝘰𝘳𝘸𝘢𝘳𝘥 𝘗/𝘌)

*SCL has been reporting decent growth from the past 10 yrs*
▫️19% Revenue growth (10yr CAGR)
▫️21% PAT growth (10yr CAGR)

▪️SCL is an agrochemicals company engaged in the marketing and distribution of a range of formulations and generic active ingredients around the globe

➡️The Company's segments include Agrochemicals, Belts and Others:
▫️Its Agrochemicals segment consists of insecticides, herbicides, fungicides and biocides.
▫️Its Belts segment consists of conveyor belts, V Belts and timing belts.
▫️Its Others segment consists of dyes and dye intermediates, and general chemicals.

▪️The non-agrochemical product portfolio caters to customers, primarily, distributors, across Australia, Asia, Africa, Europe, North America and Latin America.

▪️It also serves the biocide segments as disinfectants.

▪️It's V Belts and timing belts cater to water treatment, food and food ingredients, and other industrial applications.

𝗦𝗵𝗮𝗿𝗱𝗮 𝗖𝗿𝗼𝗽𝗰𝗵𝗲𝗺 𝗶𝘀 𝗖𝗵𝗲𝗮𝗽𝗲𝘀𝘁 𝗔𝗴𝗿𝗼𝗰𝗵𝗲𝗺𝗶𝗰𝗮𝗹 𝗰𝗼.
_*𝗘𝘃𝗲𝗻 𝗶𝗳 𝗦𝗖𝗟 𝗺𝗮𝗻𝗮𝗴𝗲𝘀 𝘁𝗼 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗱𝗲𝘀𝘁 𝗣/𝗘 𝗼𝗳 𝟭𝟳𝘅, 𝘀𝘁𝗼𝗰𝗸 𝗽𝗿𝗶𝗰𝗲 𝘄𝗶𝗹𝗹 𝗿𝗲𝗮𝗰𝗵 𝟱𝟱𝟬. 𝗪𝗲 𝗮𝗱𝘃𝗶𝘀𝗲 𝗮 𝗦𝗧𝗥𝗢𝗡𝗚 𝗕𝗨𝗬 𝘄𝗶𝘁𝗵 𝗰𝗼𝗻𝘀𝗲𝗿𝘃𝗮𝘁𝗶𝘃𝗲 𝗧𝗣 𝗼𝗳 𝟱𝟱𝟬. 𝗔𝗱𝘃𝗶𝘀𝗲 𝘁𝗼 𝗕𝗨𝗬 𝗯𝗲𝗳𝗼𝗿𝗲 𝗤𝟰 𝗿𝗲𝘀𝘂𝗹𝘁𝘀 𝘁𝗼 𝗿𝗲𝗮𝗽 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀. 𝗖𝗮𝗻 𝗿𝗶𝘀𝗲 𝘀𝗵𝗮𝗿𝗽𝗹𝘆 𝗽𝗼𝘀𝘁 𝗤𝟰 𝗻𝗼𝘀.*_

Above TP is subject to market conditions. Personal due diligence advised

PNB: 2nd Biggest PSB but perhaps Most Undervalued
🎯PNB: Additional Intrinsic Value
Possible Rs 100+ next year

While analysts and so-called big shots tom tom about value of Subsidiaries of HDFC ICICI Bank etc ( quoted as well as unquoted), no one accords any value to Associates and subsidiaries of PNB:

1) PNB Housing Finance 32.65%
2) PNB Gilts 74.06%
3) PNB MetLife Insurance 30%
4) Canara HSBC OBC life insurance 23%
5) PNB International 100%
6) India SME ARC 21%
7) Druk PNB Bank 51%
8) Everest Bank Nepal 20%
🎯9m PAT of above is more than 1500 Cr

No other bank of such big size has 85% PCR: Possible 100 next year

*PNB* - _Key Metrics_
*Big Upside coming:TP 60/100*
🔥 *2nd largest PSB* 🔥
💎 Book Value - 101
💎37566 Touch Points:
▪️10925 Domestic
▪️2 Overseas Branches
▪️13914 ATMs & 12346 BCs
💎Total Deposits - 1082156cr
💎Total Advances - 727432cr
🎯💎 _Total Business - 1809587cr_
💎Cost of Deposits - 4.58%
💎Cost of Funds - 3.91%
💎NIM - 3.09%
💎8.44% savings deposit growth
🎯PCR - 85.16% (⬆️1000bps YoY)

🔥Consistently improving Asset Quality trend over past 5 quarters
*GNPA %* - 15.34% (Dec'19) ➡️ 13.79% (Mar'20) ➡️ 14.11% (Jun'20) ➡️ 13.43% (Sept'20) ➡️ 12.99% (Dec'20)

*NNPA %* - 7.03% (Dec'19) ➡️ 5.51% (Mar'20) ➡️ 5.39% (Jun'20) ➡️ 4.75% (Sept'20) ➡️ 4.03% (Dec'20)

🔥Consistently improving Slippage ratio
5.50% (Dec'19) ➡️ 4.84% (Mar'20) ➡️ 1.51% (Jun'20) ➡️ 1.33% (Sept'20) ➡️ 1.09% (Dec'20)

✅ Q4FY21 can show further improvement
🌈One of most undervalued PSB

*SGX Nifty -75 pts (15147) from last trade 15222*

Nikkei +127 pts
Hangseng -40 pts
Now @6.56am

Dow +123.69 pts ,Nsdq -64.75 pts, S&P -3.26 pts, Bovespa -108 pts , Ftse -1 pts , Dax +67 pts , Cac +42 pts , Crude @ $63.78 brl (+0.18), Brent @ $66.62 brl (+0.13) , Gold @ 1882.20 (+5.50), Silver @ $27.645 (+0.15), Euro @ $1.2183, JPY @ $108.90,  INR @ 72.905

*Today's Corporate Action*
*24th May Ex Date*
EMERALL
Stock  Split From Rs.10/- to Rs.5/-

KENNAMET
Interim Dividend - Rs. 20.

WELSPUNIND
Buy Back of Shares

WELSPUNIND
Dividend - Rs. - 0.1500

*Today's Key Results/Board Meetings*
*24-May-21*
3PLAND
Audited Results

ADCINDIA
Dividend; Audited Results

ADFFOODS
Final Dividend;
Audited Results

BALAMINES
Final Dividend;
Audited Results

BANARISUG
Dividend; Audited Results

BARBEQUE
Audited Results

CHOKSI
Final Dividend;
Audited Results

DALMIASUG
Dividend; Audited Results

FGP
Quarterly Results;
Audited Results

GOBLIN
General

GRASIM
Final Dividend;
Audited Results

HINFLUR
Quarterly Results;
Audited Results

IGPL
Final Dividend;
Audited Results

INDCEMCAP
Audited Results

INDIACEM
Dividend; Audited Results

JKPAPER
Final Dividend;
Audited Results

JONJUA
Preferential Issue of shares; Audited Results

JSWHL
Audited Results

KANPRPLA
Final Dividend;
Audited Results

KARDA
Stock Split; Quarterly Results; General; Final Dividend; Audited Results

LAXMIMACH
Dividend; Audited Results

LOYALTEX
Dividend; Audited Results

MGL
Final Dividend;
Audited Results

NUTRICIRCLE
General; Audited Results

PHARMAID
Quarterly Results

POLYMED
Dividend; General; Audited Results

RAMCOCEM
Audited Results

RAMCOIND
Audited Results

SHANTIGEAR
Audited Results

SHIVACEM
Increase in Authorised Capital; General

SHREEPUSHK
Issue Of Warrants; Audited Results

SPARCSYS
Audited Results

SUMMITSEC
Audited Results

TIAANC
Audited Results

TTIL
Audited Results

TUNITEX
General

UTLINDS
Quarterly Results

WSFIN
Audited Results

*Stock under F&O ban on NSE*
*24-May-21*
1BHEL
2JINDALSTEL
3NATIONALUM
4PNB
5SAIL

*Economic Times*
*Business Standard*
Ø  CII wants RBI to review circular on appointment of bank, NBFC auditors
Ø  Finance ministry denies asking banks to withdraw funds from foreign accounts fearing Cairn action
Ø  Cost savings project: Jaguar Land Rover cuts break-even volume by a third
Ø  Discoms' outstanding dues to gencos fall 3% to Rs 78,379 cr in March
Ø  Jaypee Infra homebuyers irked by delay
Ø  Interest waiver: IBA reaches out to govt
Ø  MSME needs 'concentrated, right kind' of relief package: Assocham
Ø  'Misleading': JSW Steel denies reports on Liberty Steel assets buy
Ø  CoC to review NBCC offer for Jaypee Infra on Monday before vote on Suraksha
Ø  Glaxo gets ready for next pandemic after hiccups in Covid vaccine
Ø  Maruti, Toyota, M&M remain bullish on long-term growth of used car business
Ø  Global rebound euphoria tests central bankers' nerves on economic risk

*Business Line*
*Mint*
Ø  Leveraging AI/ML, new version of MCA21 to be launched on Monday
Ø  Liquid Medical Oxygen sourced by IndianOil from Singapore arrives at Vizag Port
Ø  Amara Raja Batteries reports net profit of ₹189 crore in Q4
Ø  Centre allows RVNL to import 5,000 tonnes of steel for Kolkata Metro project
Ø  Hindalco sets aside ₹2,700-cr capex for this fiscal
Ø  JSPL selling subsidiary to promote family at one-fourth of price: Ingovern
Ø  Bitcoin falls 13% to $33178, ether down 14%
Ø  MCX Q4 results: Net profit declines 41%; announces dividend of ₹27.75/share
Ø  WHO provides over 340 MT of essential medical supplies to countries in SE Asia
Ø  JSW Steel calls reports on Liberty UK interest ‘speculative’
Ø  Birlas betting big on realty, lines up ₹1,000-cr capex for Birla Estates
Ø  FPIs net sellers at ₹4,444 cr in May so far

*Financial Express*
*Deccan Chronicle*
Ø  Tissue maker Origami’s online sales up 30 pc post pandemic
Ø  Punjab & Sind Bank returns to profit after 8 quarters of losses
Ø  Gold saving funds see Rs 864-crore inflow in April
Ø  Internet Explorer to 'retire' on June 15, 2022: Microsoft

╭───────────────────╮
🌄 *Shuboudhaya : 24 MAY 2021*🙏🏻
╰───────────────────╯
*Today's top News*

1. *PM Modi has directed all concerned departments to ensure timely evacuation of those involved in off-shore activities in view of Cyclone Yaas* which is expected to cross West Bengal and north Odisha coasts on Wednesday evening.

2. *Railways has delivered nearly 14,500 tonnes of Liquid Medical Oxygen so far to various states across the country.*

3. *Centre has allocated additional 22.17 lakh vials of Remdesivir to all states and Union Territories for the period 23rd to 30th May.* A total of around 99 lakh vials of Remdesivir have been allocated across the country so far.

4. *The first lunar eclipse of 2021 will be on 26* of this Month, but it will be a super celestial event with 3 lunar events will coinciding all at once; an eclipse, a supermoon and a red blood moon. with the moon's closest approach to Earth it will be a "supermoon" eclipse and the colour of the moon will turn reddish and also known as a blood moon.

5. *Assam Chief Minister Himanta Biswa Sarma asks all the Deputy Commissioners to put in place a community surveillance system to avert the COVID pandemic spreading from urban to rural area*.

6. *PM Modi will share his thoughts with the people in @MannKiBaat programme on All India Radio on 30th May.* People can share their views in the NaMo app or @mygovindia Open Forum.

7. *First session of the 15th Kerala State Assembly will begin today with the swearing in of 140 newly elected members* . Election for the speaker post will be conducted on day-after-tomorrow.

8. Union Health Minister Harsh Vardhan yoga guru Ramdev's statement on allopathic medicines "extremely unfortunate" and asked him to withdraw the remark, saying it disrespects 'corona warriors' and can break the morale of healthcare workers.

9. *Twelve major opposition parties, including the Congress, Trinamool Congress, Left parties, Samajwadi Party, Nationalist Congress Party and Dravida Munnetra Kazhagam extended their support to a countrywide protest call given by the Samyukta Kisan Morcha on May 26* , marking six months of the farmers protest against the Centre's farm laws.

10. The collector of Chhattisgarh's Surajpur district, Ranbir Sharma, was removed from the post on Sunday after a viral video showed him slapping a man and throwing his mobile phone for alleged COVID-19 norms violation. Chief Minister Bhupesh Baghel issued instructions for the removal of the 2012-batch IAS officer from the post.

11. After Sonali Guha, now Sarala Murmu. wants to rejoin TMC, she had quit the party to join the BJP during the elections. She has expressed her desire to return to the TMC, a day after Banerjee's former aide, Sonali Guha, made a similar appeal.

12. *Delhi Chief Minister Arvind Kejriwal on Sunday announced extension of the ongoing lockdown in Delhi by another week* , saying the process of unlock will start from May 31 in a phased manner if the number of COVID-19 cases continue to decline.

13. *Lockdown extended in Haryana till May 31 with major relaxations for opening of shops* . The marriages would be allowed to be conducted in either homes or courts with strictly no movement of baraat procession allowed in the state.

14. *Ten unidentified bodies were found at three different locations along the coast in Maharashtra's Raigad district and Gujarat's Valsad* , Police suspect they could be of some of the victims of barge P305 that sank off the Mumbai coast in Cyclone Tauktae.

15. PM Modi has expressed grief over the demise of Former Atomic Energy Commission chairman, Dr. Srikumar Banerjee.

16. *High level meeting of Union ministers, state ministers and education officials on holding the Class 12 board exams and entrance tests took place*, the Centre placed two options before the states. *Class 12 students write exams in only a select few major subjects and mark them on the rest on the basis of how they do in these subjects* .

The 2nd option was *to hold exams in schools but change the exam pattern to one that has only objective questions and lasts just one-and-a-half hours instead of three*

17. The discussions were held on two issues. The board exams to be conducted for Class 12th by the Central Board of Secondary Education and other State Boards and the All-India Entrance examinations for various higher education institutions and professional courses.

18. *The Centre will examine suggestions received from various State Governments this week and convey further information in this regard to the students by or before the 1st of June.* Ministry of Education requested States and UTs to submit other suggestions, if any, by 25th May. During the meeting, Education Minister Ramesh Pokhriyal Nishank said the entire country has come together to ensure the safety and academic welfare of the students and smooth functioning of the education system.

19. The Delhi government is not in favour of the CBSE exploring options to conduct the Class 12 board examinations and going ahead with the process without vaccinating the students will prove to be a big mistake, Deputy Chief Minister Manish Sisodia said.

20. *Indian Naval Ships and Aircraft Standby for Rescue and Relief Operations - Cyclone ‘Yaas* ’. As part of the preparedness, eight flood relief teams and four diving teams are prepositioned at Odisha and West Bengal. Four naval ships are on standby with Humanitarian Assistance and Disaster Relief (HADR) bricks.

21. The Indian Army has set up a covid-19 care facility with 100 beds at Ulsoor in Bengaluru. Out of these beds, around 55 are oxygen-fitted beds.”

22. *COVID STATUS*
▲New
TOTAL CASES : 26750642 ▲240953
TOTAL RECOVERED 23725467 ▲ 356012
TOTAL DEATHS. 303270
▲ 4451

*✈INTERNATIONAL NEWS*

1. *COVID relief Operation 'Samudra Setu II, INS Trikand arrived at Mumbai* on 23 May 21 with Covid relief material from Qatar. INS Trikand brought two Liquid Medical Oxygen (LMO) containers of 20 MT each and 100 Oxygen cylinders.

2. Punjab Police nab 2 activists of Khalistan Tiger Force involved in murder of sect follower
Duo also linked to firing on Phillaur priest in January on directions of KTF chief. The two were acting on the directions of KTF’s Canada-based chief, Hardeep Singh Nijjar.

3. The Indian Army on Sunday dismissed a media report which claimed that a minor face-off between the Indian and Chinese troops took place this month near Eastern Ladakh's Galwan Valley.

4. Nigeria’s Presidential Steering Committee (PSC) on COVID-19 has declared 90 passengers who arrived in Nigeria from Brazil, India and Turkey between 8th May 2021 and 15th May 2021, through the Murtala Muhammed International Airport, Lagos and Nnamdi Azikiwe International Airport, Abuja as persons of interest (POI), noting that they posd considerable danger to public health.

*🌎WORLD NEWS🌍*

1. *Bangladesh is bracing to face the cyclone YAAS which is likely to hit its coast on May 26.* : The Bangladesh Meteorological department said.

2. *The govt of Myanmar has suspended over 1,25,000 teachers for joining the Civil Disobedience movement opposing the military take over govt* . The National Unity Government by the parliamentarians belonging to the anti-military National League for Democracy (NLD) and others has called on the foreign donors to stop funding the education ministry of the military govt in Myanmar.

3. *The govt of Bangladesh has further extended the ongoing lockdown in the country till May 30* in order to contain the spread of Coronavirus. However, further relaxation has been introduced in the latest notification issued by the Cabinet Division on Sunday.

4. *Iran Parliament Speaker Mohammad Baqer Qalibaf says that the International Atomic Energy Agency (IAEA) now cannot have access to the records from the cameras monitoring Iran's nuclear activities* .

5. Around 8000 people crossed into Rwanda from the Democratic Republic of Congo (DRC) to seek refuge following the eruption of the Mount Nyiragongo volcano.

*🚣🚴🏇🏁🏊Sports:*

1. Commonwealth Games bronze medallist Mohd Hussamuddin is set to begin proceedings for India on the opening day at the 2021. ASBC Asian Boxing Championships as draw revealed on Sunday in Dubai. AIBA has allocated. A participation of more than 27 countries were expected initially. However, due to recent travel restrictions, some of the countries couldn't participate. But now it is set to witness 150 pugilists from 17 counties.

2. *Cricket, Bangladesh defeated Sri Lanka by 33 runs in the 1st ODI in Dhaka* . Bangladesh won the toss and elected to bat. The hosts set a winning target of 258 runs for Sri Lankan team.

3. *Olympic medallist wrestler Sushil Kumar was on Sunday remanded in police custody for six days over his alleged involvement in the death of a 23-year-old wrestler at Chhatrasal Stadium*

*USD 72.91 💷GBP 103.17*
_In Puducherry (UT)_
*🥇Gold ₹49,150©10 gm 24 (Krt)*
🥈 *Silver ₹76,400©Kg*
⛽ *Petrol ₹93.55©1Ltr*
⛽ *Diesel ₹87.55©1Ltr*

*LPG : ₹ 818/14.2 Kg*

*BSE Sensex* ©50,540.48
*NIFTY* © 15,175.30

*🇮🇳Facts about India🇮🇳*

*Rat Temple' in Bikaner Rajasthan* . The Karni Mata temple is a destination where pedestrian pilgrims commune with rats. In the temple, tourists and worshipers encourage the rats to run across their feet, as it is considered a good omen that bestows fortune to the worshiper. Also, to eat food and drink water that has been previously sampled by a rat is also considered pious.

😀 *Thought of the day* 

Winners make a habit of manufacturing their own positive expectations in advance of the event.


*💁🏻‍♂️GK Today💤*

Classical Dances

*Kathakali* is the dance of Kerala

*Kuchipudi* : Andhra
Pradesh

*Bharatanatyam* is a dance of Tamil Nadu

*😳Why..❓❓*

*Why do bulls hate red?*

Bulls don't hate the color red it is a proven fact that they only see in Blues and Yellows. They only react to the red cape because of the movements that flutter around. Bulls, along with all other cattle, are color-blind to red.

🛕 *VEDIC GYAN*

*Symbolic Meaning of Bhrama* : Brahmas four hands symbolize each of the four Vedas: Rig veda, Sama, Yajuhr, and Atharva Veda.

Brahma also has four heads which represent north, east, south and west. They also represent the four elements, as he used to have five heads, but Shiva destroyed one in a rage, thereby killing Brahma’s spirit.

Brahma often holds with one of his hands a book which symbolizes knowledge in the world.

*Swan* : Brahma is often seen riding a swan, his sacred vehicle for which he travels upon. The swan is a supposed to symbolize grace. Its called as “ *Hamsa Ksheera Nyaya* ”. Hamsa - Swan , Ksheera - Milk, and Nyaya - judgement/Justice/method/rules. Its believed that Hamsa (Swans) can separate milk from water and drink only milk.
Swan is always associated with glory, purity, affection, love, majesty and divinity.

Lord Brahma sits on a lotus flower. The significance of the lotus flower is that it rises from dirty soil and yet manages to stay pure and beautiful. Similarly, no matter where we are from, we should also stay pure and beautiful like the lotus flower, without letting our surroundings affect us.

Pushkar has the only Brahma temple in the world

🙏🏻 *Learn Sanskrit*

*अतिवर्षण, अतिवृष्टि* : बहुत अधिक वर्षा , Excessive or heavy rain

🤔 *How it works* ⁉

*Calcium carbide* is also used in some countries for artificially ripening fruit. When calcium carbide comes in contact with moisture, it produces acetylene gas, which is similar in its effects to the natural ripening agent, ethylene. Acetylene accelerates the ripening process. Catalytic generators are used to produce ethylene gas simply and safely. Ethylene sensors can be used to precisely control the amount of gas. Covered fruit ripening bowls or bags are commercially available. These containers increase the amount of ethylene and carbon dioxide gases around the fruit, which promotes ripening.

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

*Neem tree* . The bark, leaves, and seeds are used to make medicine. Less frequently, the root, flower, and fruit are also used.

Neem leaf is used for leprosy, eye disorders, bloody nose, intestinal worms, stomach upset, loss of appetite, skin ulcers, diseases of the heart and blood vessels (cardiovascular disease), fever, diabetes, gum disease (gingivitis), and liver problems. The leaf is also used for birth control and to cause abortions.

The bark is used for malaria, stomach and intestinal ulcers, skin diseases, pain, and fever.

The flower is used for reducing bile, controlling phlegm, and treating intestinal worms.

The fruit is used for hemorrhoids, intestinal worms, urinary tract disorders, bloody nose, phlegm, eye disorders, diabetes, wounds, and leprosy.

Neem twigs are used for cough, asthma, hemorrhoids, intestinal worms, low sperm levels, urinary disorders, and diabetes. People in the tropics sometimes chew neem twigs instead of using toothbrushes, but this can cause illness; neem twigs are often contaminated with fungi within 2 weeks of harvest and should be avoided.

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