INVESTORS PLEASE LISTEN !: April 2009

Thursday, April 30, 2009

[Investors Please Listen] Videocon Industries Q2 net dips 71 pc at Rs 73 c

Consumer durables major Videocon Industries on Thursday reported a 70.94 per cent fall in its net profit to Rs 72.98 crore during the second quarter ended March 31, 2009, over the corresponding period a year-ago.

The company had a net profit of Rs 251.22 crore in January-March quarter last financial year, Videocon Industries said in a filing to
the Bombay Stock Exchange.

Further, total income of the company during the second quarter of current financial year also dropped to Rs 2,220.60 crore from Rs
2,538.78 crore in the same period last fiscal.

For the six-month period ended March 31, Videocon Industries reported a net profit of Rs 133.41 crore, registering a 73.35 per cent fall,
compared to Rs 500.71 crore in the corresponding period a year ago.

On Wednesday, shares of Videocon Industries closed at Rs 109.10, up 1.39 per cent on the BSE.
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Monday, April 27, 2009

[Investors Please Listen] Tata AIG Life InvestAssure Apex - Returns on the highest NAV*. Guaranteed

*Returns on the highest NAV. Guaranteed.** Tata AIG Life InvestAssure Apex. A ULIP that assures you returns based on the highest NAV. So stop worrying about the fluctuating stock markets. And start enjoying returns based on the highest NAV.
Key Features: • Pay premium for 3 years only • Flexibility to reduce the premium amount in the 2nd & 3rd year^ • Tax benefit under Sec 80C, 80D** & 10(10D)
Minimum Premium:Rs.90,000 Sum Assured: Minimum 5 x Annualized Premium / Maximum 60 x Annualized Premium


	Click here to know more

Terms & Conditions apply.
For more information, log onto www.tata-aig-life.com,
call 9818269396

Tata AIG Life InvestAssure Apex at a glance

Premium Paying term

3 years

Policy term

10 Years

Minimum Premium

Rs.90,000

Sum Assured

5 X Annualized Premium (minimum)

60 X Annualized Premium (maximum)

Issue Age

18 Years (minimum)

70 years (maximum)

Maximum age at maturity

80 Years

Avail of

•	Apex Investment Fund for capital protection through investments in Debt Instruments, Derivatives and Money Market & Cash
•	Apex Return Lock-in Fund (with GMUP benefit) for capital appreciation through dynamic fund management by investing in equity & equity related securities, Money Market & Cash and Debt instruments & derivatives

Access to

Your investment in the form of partial withdrawal to meet your liquidity needs

Flexibility of

Reducing the 2nd and 3rd year premium, subject to minimum limit which is higher of 75% of the first year regular premium paid or Rs 90,000/- (Rupees Ninety Thousand only)

Tax Benefit

Premiums paid under this plan are eligible for tax benefits under section 80C of the Income Tax Act 1961. Moreover, life insurance proceeds enjoy tax benefits as per 10(10D) of the said Act

How it works:

Your investment net of allocation changes is invested in Apex Investment Fund. This is a low risk temporary parking fund.

At the immediate reset date your fund is automatically switched into the Apex Return Lock-in Fund. The Apex Return Lock-in Fund offers you 100 reset dates on which the NAV gets locked and the highest NAV from amongst 100 NAV is your GMUP.***

In case of market downsizing at the time of maturity of your policy, you will be guaranteed your GMUP+ which is the highest among the 100 reset dates^ NAV during the term of the policy.

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Safe Harbor:
The information contained and provided on this Website provides Investment advice for the education of investors. The posts are an information service only. Recommendations, opinions or suggestions are given with the understanding that readers acting on this information assume all risks involved. We do not assume any responsibility or liability resulting from the use of such information, judgment and opinions for Trading or Investment purposes.

[Investors Please Listen] ICICI Bank Q4FY09 Result Update ; Earnings in line - asset worries may reduce in FY10 ; BUY ; Target : Rs720

ICICI Bank

Earnings in line – asset worries may reduce in FY10

BUY

CMP: Rs433 Target Price: Rs720

ICICI Bank reported net profit of Rs7.4bn, better than our estimates driven by better than expected NII and lower costs. The NII was better than expected driven by NIM expansion of 13bps yoy and 17bps qoq, The operational performance was weakened by a sharp 30% yoy decline in fee income.

The additions to NPAs were moderate in Q4FY09 as the bank added Rs5.5bn of assets to NPAs and had Rs32bn standard assets under restructuring. We believe that with large portion of standard non-retail advances being restructured and moderate addition of NPAs during the quarter, the additions to NPAs over FY10 may reduce.

The stock is currently quoting at 8.5x FY11E FDEPS and 0.9x FY11E ABV. We maintain our BUY recommendation on the stock with price target to Rs720.

Sunday, April 26, 2009

[Investors Please Listen] Andhra Government Spends Rs 100,000 crore on Building Water Infrastructure

Andhra Pradesh: Moving Water To Parched Lands Of Telengana

The State Government is spending a massive $ 25 bn building a network of canals, dams and barrages, refilling existing lakes, recharging acquifers and linking the three rain fed rivers in the State, much before such ideas have been implemented on a national level.

Construction of irrigation projects has been taken up on a massive scale in Andhra Pradesh. In the history of irrigation development, there is no such precedent in the State and this activity is going to boost the irrigation sector in a significant manner benefiting irrigated agriculture throughout the State.

Twenty-six major and medium irrigation projects costing Rs. 46,000 crores (Revised to Rs. 67,823 crores) have been taken up for execution. Out of this, 8 projects are programmed to be completed within 2 years and the balance 18 projects within 5 years.

The increase in cost, though happened within 1 year of taking up execution of works, is mainly due to increase in scope of the projects as well as the realistic costs of land acquisition, relief, and rehabilitation.

In addition to these 26 projects, it is proposed to construct several other major irrigation projects like Polavaram, Pranahitha - Chevella and it is estimated that about Rs.1.00 lakh crores would be needed to complete all these projects.

The key beneficiaries will be the private sector entities which have specialised in Building Water Infra.

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Safe Harbor:
The information contained and provided on this Website provides Investment advice for the education of investors. The posts are an information service only. Recommendations, opinions or suggestions are given with the understanding that readers acting on this information assume all risks involved. We do not assume any responsibility or liability resulting from the use of such information, judgment and opinions for Trading or Investment purposes.

Saturday, April 25, 2009

Ashwani Kumar (Fund Manager - Equity)

Ashwani Kumar (Fund Manager - Equity)
Reliance Capital Asset Management Limited

Current Market Scenario

Equity Schemes of Mutual Funds

Tax Planning

Reliance Tax Saver (ELSS) Fund

Going Forward-Recommendations For Investors

Now Playing : Tax Planning

Sponsor:
Reliance Capital Limited Trustee: Reliance Capital Trustee Co. Limited Investment Manager: Reliance Capital Asset Management Limited Statutory Details: The Sponsor, the Trustee and the Investment Manager are incorporated under the Companies Act 1956.
Investment Objective:
Reliance Tax Saver (ELSS) Fund (An Open Ended Equity Linked Savings Scheme): The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in equity and equity related instruments.

Friday, April 24, 2009

"Why should you invest in Kotak Headstart Child Plan II?"

Every child is different. Each has their own set of dreams and aspirations. As a parent you would like to provide your child with all the building blocks that could develop his or her potential to the fullest. This could mean extra coaching or tuition for talented children, special training or equipment for natural athletes or professional training for born singers.

Headstart Child Plans - a specially tailored, cost-effective plan, aims to give your children the financial means to pursue his or her dreams and live them.

The Headstart Advantage:

Choice of 2 plan variants
- Future Protect
- Assure Wealth
Maximizes wealth while providing protection
Joint life option
Save for 2 children with one plan
Additional bonus units
Flexible Withdrawal

Call Kotak Insurance @ 9818269396

[Investors Please Listen] Birla Sun Life Freedom Fund

Call @ 9818269396 or mail @ investorspleaselisten@in.com

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Safe Harbor:
The information contained and provided on this Website provides Investment advice for the education of investors. The posts are an information service only. Recommendations, opinions or suggestions are given with the understanding that readers acting on this information assume all risks involved. We do not assume any responsibility or liability resulting from the use of such information, judgment and opinions for Trading or Investment purposes.

[Investors Please Listen] RBI slashes key rates - Your opportunity to borrow cheap

RBI slashes key rates - Your opportunity to borrow cheap

RBI slashed its lending and borrowing rates by 25 bps to 4.75% and 3.25% respectively. Banks have been parking their surplus money with RBI to earn interest of 3.50%, instead of lending it. Now with the borrowing rate of RBI slashed, banks will be forced to lend money rather than keeping it with RBI. While ICICI and HDFC bank have already responded by lowering their interest rates, other banks may soon follow suit.

This comes as an opportunity if you are considering taking a home loan or an auto loan, since the rates on these loans is likely to come down.

No more free lunch for banks - Earn more from your savings account

Savings bank account customers have a reason to cheer. As per the Monetary Policy 2009-10, the payment of interest on savings bank accounts by scheduled commercial banks (SCBs) would be calculated on a daily product basis with effect from April 1, 2010. At present, interest on savings bank accounts is calculated on the minimum balances held in the accounts from the 10th day to the last day of each calendar month. As a result, the interest earned by depositor on his savings account turned out to be much lower than the prescribed 3.50% per annum.

With the change in the calculation of interest, depositors will benefit, as they will earn higher interest from their savings account.

Yet another good monsoon predicted - Good times ahead

Meteorological Department has predicted normal monsoon this year. This will boost the agricultural sector largely, which in turn contributes about 17% of India's GDP.

This will lead to increase in agricultural productivity which in turn would result in increase in demand from the rural areas and decline in food prices, which continue to be high.

Retail investor to PE investor in just Rs 5 lakhs

Newspaper reports suggest that the ticket size has been reduced for investments in a PE (Private Equity) fund from Rs 10 crore to Rs 5 lakhs. PE funds mainly invest in start-ups, which require early stage funding. The gestation period for these investments is also longer. However, if the invested companies do well then the returns could be high. This characteristic makes the investment into a high risk, high return kind of investment.

While the low-ticket size will allow many retail investors to participate in PE funds, investors must bear in mind that PE funds are a very high risk-high return product.

UTI merges its two equity schemes - Should you hold or redeem?

UTI Mutual Fund has announced a merger of its two schemes - UTI Mastergrowth Unit scheme and UTI Index Select Fund will be merged and renamed as UTI Top 100 Fund. The new scheme will invest at least 65% of its corpus in top 100 stocks by market capitalization and remaining in debt instruments.

UTI Mastergrowth is mandated to invest up to half of its assets in stocks of public sector units (PSUs), whereas UTI Index Select invests in select stocks of BSE Sensex and S&P CNX Nifty. Investors, who are not comfortable with the proposed merger, can redeem their investments in these two schemes from April 21, 2009 to May 20, 2009 without paying exit load.

Those investors who are comfortable with the proposed investment proposition can continue their investments, while others would do well to redeem. (Click here to read our research recommendation on UTI)

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Safe Harbor:
The information contained and provided on this Website provides Investment advice for the education of investors. The posts are an information service only. Recommendations, opinions or suggestions are given with the understanding that readers acting on this information assume all risks involved. We do not assume any responsibility or liability resulting from the use of such information, judgment and opinions for Trading or Investment purposes.

Thursday, April 23, 2009

HDFC Ltd fixed deposits

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Wednesday, April 22, 2009

Interview with our Head Fixed Income - Mr Ritesh Jain on MFI

Dear All,
Please find enclosed an interview with our Head Fixed Income - Mr Ritesh Jain on MFI. He has talked about our interest rate outlook, our risk control measures and the strategy deployed for managing our Income Fund which has been a consistent outperformer in its category with 6 - months annualized returns of 28.43% and 1 - Year returns of 32.5% (as on 20th April'09).

Canara Robeco AMC - www.canararobeco.com

[Investors Please Listen] Market Plotter 22-Apr-09-EDEL

Market in a Nutshell

§ Some reassurances on the capitalization of large US banks sent Wall Street surging on Tuesday, giving a boost to the Asian markets today as well. After a firm opening, the domestic bourses gained downward momentum and traded in the red zone for the major part of the session. Sensex closed at 10,818 (down 80 points), while Nifty ended the day at 3330 (down 35 points).

§ Nifty April Futures were trading in a range of 10-15 points discount for major part of the session.

§ The BSE Realty index dropped by 4.68% at 2,144 with Unitech losing 8.5% to INR 48 while The BSE Consumer Durable stocks decreased by 3.99% to close at 1,772 with Gitanjali declining 11% to INR 67.

§ Market breadth was negative with an Advance: Decline ratio of 1:1.8. Rolta India lost 14.5% to INR 88, while Bajaj Holding advanced 18.7% to INR 416.

§ Cash volumes were at INR 186,009 mn (NSE+BSE) as against a 5 DMA of INR 238,853 mn. F&O volumes were at INR 706,459 mn as against a 5 DMA of INR 727,636 mn.

Eye Catchers

§ Wipro surged 2.3% to INR 281 with volumes of 4,604,402 (up 320%) as Q4 results beat market expectations.

Market News

§ Nymex crude was trading at USD 48.5/bbl. Base metals were trading on a weak note

§ Rupee was trading at INR 50.3 against the dollar.

§ Wipro Q4 net up 15% at INR 10,100 mn

§ Zee Entertainment Enterprises posted a net profit after tax of INR 968 mn for the quarter ended March 31, 2009

Indices performance

	CURRENT	PREV.	%CHANGE
S&P CNX NIFTY	3,330.30	3,365.30	-1.04%
CNX NIFTY JUNIOR	5,141.35	5,183.85	-0.82%
CNX IT	2,495.25	2,499.40	-0.17%
BANK NIFTY	4,813.30	4,853.90	-0.84%
CNX 100	3,154.70	3,186.90	-1.01%
S&P CNX DEFTY	2,293.25	2,317.80	-1.06%
S&P CNX 500	2,584.90	2,612.65	-1.06%
CNX MIDCAP	3,844.75	3,886.65	-1.08%
NIFTY MIDCAP 50	1,357.65	1,378.60	-1.52%

Top Gainers
Symbol	Open	High	Low	Last Price	Prev. Close	% Change
SUZLON	58.80	62.90	58.55	61.45	57.40	7.06
RPOWER	120.00	129.00	118.65	126.05	120.05	5.00
ACC	616.00	657.00	616.00	646.70	616.50	4.90
WIPRO	301.00	301.00	273.00	281.05	274.50	2.39
AMBUJACEM	79.00	80.65	78.00	79.40	77.65	2.25

Top Losers
Symbol	Open	High	Low	Last Price	Prev. Close	% Change
HCLTECH	133.50	137.70	123.80	125.05	138.15	(9.48)
UNITECH	52.70	54.40	47.25	47.70	52.15	(8.53)
ABB	528.10	544.95	494.00	500.25	526.80	(5.04)
DLF	239.10	245.80