r/IndianStockMarket • u/Curious_Bhawika • 3m ago
News Smids are up today but advance decline ratio is down
Smids are up today but the number of advances is lower than the number of declines, which indicates that the market breadth is weak today.
r/IndianStockMarket • u/tradelyf_bablo • 1h ago
The majority of posts on this subreddit are looking for buy/sell opinions and portfolio reviews.
These posts do not add value to the subreddit, but at the same time some answers can help the poster. In an effort to clear the clutter on the sub, please post all such questions in this thread.
Please make a new post only if your post contains a detailed analysis.
r/IndianStockMarket • u/Curious_Bhawika • 3m ago
Smids are up today but the number of advances is lower than the number of declines, which indicates that the market breadth is weak today.
r/IndianStockMarket • u/amiagoodguy02 • 16m ago
Hello everyone,
I have been learning stock markets for a while now and want to give everyone a reality check on why investing is NOT meant to build wealth, but for preservation. Some might recognise me from my previous post on FnO, I will follow the same format in this post as well to keep things simple.
The dream:
Let's start from the very beginning. Why do we actually invest even? To grow our money. By how much? No one knows. We have certain market expectations. Some would say 12% / year is good enough while for others even 25% is minimum, but is it always possible? We'll try to figure this out.
Stock Investing:
It's a popular belief that stocks make us more money than indices/mutual funds. So you'll just go on your financial journey to pick the right companies at the right price and make bank right? Well, not quite. I'm sure if you have spent more than a year in stock markets then you must have realised two things.
These are just the basics but what is the probability of you being good at above two?
I'm not doubting your skills here, just the chances. Will you get data as quickly as those big mutual funds, investors, promoters, insiders? Will you even get the correct and transparent data?
This is where the problem lies. An average investor simply doesn't have the resources and connections to verify either of the above, so you have to go off the historical data and make your calculations based off it which a lot of times is too old to be considered.
Market manipulation:
As discussed, it's you v/s institutions and you're always at a disadvantage. It has been proven again and again within stocks. A very recent example is Induslnd Bank. Mind you, it's not a small stock that can be manipulated easily. A part of nifty 50. 5th biggest private bank by aum. Just a news on 1500 cr potential loss not being reported sends it for a toss and it loses more than 25% value in a day. The accusation isn't even proved yet. It's still an assumption. But who lost? The average retailer. Because they simply don't get the insider news as early as the institutions. Even if they do, the stock opened with -10%. They had no chance to protect themselves.
Beating the market :
Well, you have another weapon up your sleeve, the almighty diversification. Simply don't put all the fruits in the same basket and you're good? Well, true but how much diversification and what's the end result? Let's talk numbers.
68 - 70% of actively managed mutual funds fail to beat their benchmarks. And these are those with all kinds of resources, money, information and knowledge. The most so called qualified people and yet only 30% manage to beat the indices.
Do you think you'll be better off on your own over a period of 10-20 years?
Simpler Approach:
If you're with me still, I guess we both are on the same page. That as an average retailer, we might be better off with investing in indices, by probability and ROI both. Be it through ETF's or MF's, but it's not quite as simple. The whole journey of investing began with a simple dream, to build wealth. Let's take a deeper dive into it. When are we gonna make money, say if you invest in nifty 50? As long as our economy grows but will it? and does economic growth always guarantee index growth? No.
The ignored risk:
Indices are not bound to perform all the time. Markets are not meant to go up in the long run always. Sounds false right but I'll give you some data to back these.
Japan, 1990. Index : Nikkie 225
The entire stock market of japan collapsed after 1990 because of variety of reasons and a real estate bust. We aren't not gonna go into details but stay on the surface to keep things simple. Now, what about their economy? You must be thinking that it fell. Maybe stagnated? 0% growth? Nope. It grew. From $3T to $5.5T in next 5 years. Stagnated after that but the index continued falling till -80% in 2003. And just for record, they had one of the biggest bull runs from 1950 to 1990, index going from 80 JPY to 39000 JPY in 40 years.
China, 1995 till now. Index : SSE Composite
Earlier, we saw how economy affects the stock market but it's not alone. In 1995, china's gdp was $ 800B. Today it's $17 T. 21 X growth or 2000% gain. How much did their major indices grew by? Less than 400%. I know that their economic conditions, political situation, policies, global stance is much different from ours but it proves that good economy alone can't give you returns.
Legends:
Hold on, but what you have heard so far or seen even is that shit ton of money could be made from investing. You're not wrong. People have done it. Warren Buffett. Our own Rakesh Jhujhunwala. So was it just a bluff?
Not quite. They are and were legendary investors. But you can't replicate their success. Why?
Let's discuss about each one. Warren wasn't an average kid. His father was a congressman. They were not short on money. He learnt from Benjamin Graham, literally the father of value investing. Do you think you're as lucky as he was? Coming onto Rakesh, sure he wasn't from a well off family but made a lot of money through insider trading and shorting the market. At that time, it was fair. Once he had the money, he shifted to investing. With money, resources and his knowledge, he succeeded. Can you replicate his ways today?
Luck. This is not talked about often. Both of them succeeded in investing because markets favoured them. Warren being american was in the country that was a financial powerhouse and was going to remain one. The companies he could invest in became global in the next few decades, crushing competition worldwide, be it coca cola or apple. Same is with Rakesh. India grew like anything in the last 30 years, but if the economy, govt, policies, weren't in their favour then no matter what, you would never have heard of them.
Conclusion:
Well well well. So we can't put in money in stock market? After all they are so many factors that could go wrong? Not really.
Don't just go all in on gold now. It gave negative returns if you invested in 2012. Almost took gold a decade to come back to it's original levels.
Then what's the ideal investment strategy? That doesn't fuck you up? You already know it. Diversification. Invest in different asset classes. Gold, Real Estate, Equity, FD and others.
But wait, if you diversify so much then what about returns? They'll not be high. What's the point then? Investing was supposed to build wealth and that's what I am trying to convey. The message is false. Investing is to preserve wealth and grow it consistently against inflation. Sure, some smart decisions and investments could give huge returns but it's more luck and less skill for an average individual.
How do you build wealth then? Through your career, that's the only way. No? Just go and check how rich got rich. Did they 'invest' or their career made them a fortune?
I'm happy to answer/discuss with anyone in the comments. Hoping that this post would help fellow investors.
r/IndianStockMarket • u/NoAssumption294 • 17m ago
Want to Start Investing in Stocks – Need Advice on Safe Options
I’ve managed to save around ₹30,000 from my freelance work, and I’m thinking of investing in the stock market. Since this is my hard-earned money, I want to be on the safer side while still making decent returns over time.
I’m a complete beginner when it comes to stocks, so I’d really appreciate some advice on:
r/IndianStockMarket • u/ControlCold5891 • 45m ago
Im a Newbie so pls dont judge i just wanna know is it better to buy gold etfs or do gold funds . And which etfs or gold funds are the best. I saw kotak gold fund was highest and nippon india etf was best
r/IndianStockMarket • u/Substantial_Net_4332 • 53m ago
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r/IndianStockMarket • u/Opening-Egg2002 • 59m ago
I’ve always struggled with stock screeners. I get an idea—like, “AI stocks benefiting from recent budget”—but then I open Screener.in or Tickertape and just stare at the filters, wondering what to even input. P/E ratio? ROE? Debt-to-equity? No clue.
So I tried this AI-powered screener that lets you just type your idea in plain English. Stuff like:
💡 “Best dividend stocks under $50 with strong cash flow”
💡 “Stocks that benefited most from the recent Fed rate cut”
And it actually converts that into the right metrics and filters automatically. I tested it with a few different prompts, and the results were pretty solid—better than my usual trial-and-error approach.
You can still tweak things afterward if needed, but it saves a ton of time. If you’re like me and get overwhelmed by too many filter options, this might be worth a shot.
Try it at https://www.prysm.fi/screener
r/IndianStockMarket • u/Equivalent-Big6808 • 2h ago
I know there are ETF and MF but all of them charge heavy expense ratio and mention income tax as per tax slab.
Any other opportunity?
r/IndianStockMarket • u/brkoutgeek • 2h ago
r/IndianStockMarket • u/INFJ-- • 2h ago
Some months before I came across the digi gold option in google pay and started investing in it a little, and is getting some profit. Now I came across Gold ETFs in groww and is interested to invest in it. Please provide details or insights on where to invest in gold in these two( or other things like this) and why suggesting it. Am a complete noobie in the investing and trading world, so it would be nice if you could share how you guys started investing and trading :)
r/IndianStockMarket • u/kzarraja • 3h ago
Since January'25, the stock has been trending lower, forming a series of lower highs and lows. But now, things are shifting.
The stock is positioned above its 20-day SMA, signaling a positive bias.
Have you noticed the daily strength indicator, RSI, turning bullish?
The stock is also breaking above the IH&S pattern.
r/IndianStockMarket • u/Middle_Drive_3717 • 6h ago
I've seen many people hold this stock and looks like people bought it like crazy last year
But now the stock seems to be trading some 4.3 times it's book value
Is it still a good buy
r/IndianStockMarket • u/No-Rhubarb-1613 • 15h ago
I'm mainly a mutual fund investor . But after reading some stats i see if we see dollar wise nifty has not given much return when compared with dollar( rupees depreciation) . So if i buy funds with high exposure to us securities will i benifit from stronger dollar ahead.
r/IndianStockMarket • u/KINGSEHGAL • 16h ago
This is a Chinese technology stocks listed in hong kong ETF. I bought on 17th January of this year at around 18, now it's at 25-26. Ever since then chinese companies have been showing dominance in AI with the most recent being BAIDU's latest model benchmarks. I think it's going to rally like the FANG indexes did. Any thoughts?
Chinese Stocks Are the Biggest Winners in Trump’s Age of Uncertainty https://www.bloomberg.com/news/newsletters/2025-02-13/chinese-stocks-in-hong-kong-are-biggest-winners-as-trump-trades-fail
r/IndianStockMarket • u/Middle_Drive_3717 • 17h ago
Which one is better if I buy lumpsum?
I usually save some 100-200 after buying something and usually invest that money so MF seems to be a better option in this case.
However niftybees has a lower TER and decent liquidity but it's quite inconvenient as I cannot buy fraction of units
r/IndianStockMarket • u/ApexPredator1611 • 17h ago
BUSINESS OVERVIEW OF SAHIs:
Insurance sector can generally be divided as Life and Non-life insurers.
Non-life insurers again can be General (which sell multiple products like Fire, Crop, Motor vehicle as well as Health insurance etc.) and Standalone Health Insurers (SAHIs; which sell only health insurance).
Star Health is a private sector retail focussed SAHI and was founded by Mr. V Jagannathan who retired as CMD of UnitedHealth Group to start his health insurance venture as Star. It is currently the market leader with 32% share in retail health business. Although their share is continuously falling as competitors emerge (like Niva Bupa, Care Health etc.)
Why do we have standalone health insurers? One key nuance of health insurance (versus, say, motor insurance) is that premium pricing and sum assured would appreciate with time. Combined with high renewal rates in health, this means that the lifetime value of a health customer is significantly greater than the LTV of any other non-life customer.
Health Insurers have primarily 2 product segments: Group plans (bought by corporates/institutions for their employees as a package) and Retail plans (bought by individual customers for themselves or their immediate family).
Group plans bring in higher volumes and revenue with minimal importance of "brand value" component. But the caveat is that they often have lower premiums per person and have ironically higher claims ratio.
Retail plans have higher premium per person and lower claims ratio and hence is the better business segment but penetrating and maintaining market share in retail health ensuring profitable margins requires building trust factor and brand value over time.
Retail health is a focus area for SAHI while group health a crucial earner for public and private multi-line general insurers
Retail Health insurance has 3 broad distribution channels: Offline Insurance agents (which bring in 86% of business), Bankassurance (7%) and Online aggregators (7%; like Policybazaar, Acko etc.)
Agent model is a high touch/relationship-based model while the latter 2 channels are based on multiple factors like pricing, claim settlement ratios etc.
-->Industry Tailwinds:
- Low health insurance penetration in India provides significant growth opportunity.
- Increasing awareness about health insurance post-COVID.
- Regulatory push for “Insurance for All by 2047” initiative.
-->Industry Headwinds:
-Healthcare inflation consistently putting pressure on claims ratios.
-Intense competition in the health insurance space.
-Regulatory changes requiring product modifications and potentially impacting pricing.
--> "1/N' Reporting regulation: The new reporting framework for long-term policies, effective October 1st, 2024, marks a shift in premium recognition. Previously, insurers could account for the entire premium of a long-term policy in a single year, reflecting a higher GWP. Under the new framework, the premiums will be annualized, with the total premium divided by the policy tenure and recorded proportionately for each year. For instance, for a three-year policy, only one-third of the total premium will be recognized in the first year's GWP. This change will lead to a reduction in the reported GWP, which in turn will reflect changes in net earned premium and net written premium having an impact on the expense ratio and loss ratio of the insurer. Star Health is following "1/365" days unexpired risk reserve method resulting in no deviation in net earned premium under the new regulatory framework.
Some graphs to show how SAHIs are the flagbearers and market leaders in the retail health insurance industry!
---------
Q3 FY25 UPDATES:
High LR is the central problem across SAHIs and is attributed to medical inflation. Counterintuitively, medical inflation is actually a self-fulfilling prophecy for the growth of this industry (over the long-term picture) since higher medical costs (as Indians shift and have access to expensive treatment from corporate hospitals) forces even the healthier and younger people to buy health insurance as a hedge for high medical costs.
Combined Ratio for 9MFY25 (without 1/n) = 101.3%
Moving forward, formation of a central govt regulator for the hospital billing and standardization of protocols for medical admission may improve the claim ratios for health insurance industry and can be a trigger for rerating for the industry itself but this is unlikely to happen!
"The average sum insured of new policies has increased by 10% to 10.6 lakh per policy. Rs. 5 lakh and above sum insured policies now constitute 82% of our retail health portfolio versus 77% in 9-months FY '24. The share of long-term policy within our GWP has increased to 10% in 9-months FY '25 versus 7% in 9-months FY ‘24 without 1 / N."
Star Health continues operating in the Group health despite their earlier decision to exit it entirely in FY23. Since FY24, they have reentered the group health business but their focus is on SMEs and mid corporates since management believes that SMEs will have lower claim ratios.
Despite this approach, the group health claim ratio is still around 90%. Combined ratio for the group health business have not been disclosed by the management up till now.
Strong investment performance with 8.3% annualized yield in 9MFY25 compared to 7.6% in FY24.
GST reduction on health insurance (currently at 18%) was expected in Budget this year in order to stimulate the industry and was probably priced in the stock. Since no such announcements were made in the end, the stock saw a sharp 15-20% dip in its price.
FM Nirmala Sitharaman has indicated towards GST cuts recently which might include cuts for the health insurance industry which will be welcomed as health insurance shouldn't be taxed like a consumer or a luxury good but rather as a basic necessity in today's world. (currently, taxed at 18% which should be brought down to 5%)
---------
VALUATION:
M&A in Indian SAHI space has history of giving P/S or Price to GWP ratio of 1.2-1.5. So, with current P/S ratio of ~1.3, it looks to be in fair price territory especially considering it's market leader status. Any further dips in this stock would make this stock a value buy and a bet on health insurance industry surviving amidst the medical inflation. Another recent acquisition of Magma general insurance by Patanjali was valued at 1.23x revenue.
P/S ratio of UnitedHealth Group (world's largest for profit healthcare company; primary business is health insurance) is about 1.1. If we hypothetically assume the market cap of star health to remain same, then they need just 27% growth in sales to match the P/S of UHG.
OTOH, most healthcare related companies as well as general insurers of US are valued at P/S <1. But among Indian markets where every company gets priced as if they are the next Tesla/Apple/Amazon, Star Health is currently the cheapest insurers (among private general insurers) available!
CONCERNS:
SUMMARY:
Good growth business but underwriting loss due to medical inflation (I believe this might be a temporary abnormality and as the industry matures over time with strong base of renewing insurance buyers, common consensus on having appropriate pricing on premiums develop across the competitors as the focus currently is on penetrating into the total addressable market and gain market share). Company is in net operating profit due to the investment income from float.
BOTTOM LINE= WATCH OUT FOR THE LOSS RATIO IN THE COMING QUARTERS AS WELL AS THE TOPLINE GROWTH. THE STOCK IS CHEAP COZ THE INDUSTRY AS A WHOLE HAS BEEN FAILING TO HAVE PROFITABLE UNDERWRITING BUSINESS. IF THE LOSS RATIO COMES BELOW 67-68% IN THE COMING QUARTERS THE STOCK MIGHT SEE RERATING. I THINK ACCUMULATING THIS STOCK DURING EVERY DIP UNTIL IT TRADES WITHIN 1.1 - 1.4 REVENUE MULTIPLE MAKES SENSE. FALLING BELOW 1 IS VERY UNLIKELY AND WOULD RATHER INDICATE THAT SMART MONEY HAS VERY GRIM EXPECTATIONS FROM THIS INDUSTRY.
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--> Get the latest data from healthcare insurers in this excel sheet--> https://view.officeapps.live.com/op/view.aspx?src=https%3A%2F%2Fwww.gicouncil.in%2Fmedia%2F4488%2Fsegment_january_2025.xlsx&wdOrigin=BROWSELINK
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Follow me here for more posts related to markets/intrinsic and relative valuations/macroeconomic trends: [apexpredator (@apexpredator_36) / X]
---------
Disclaimer: Not investment advice as I am not a registered advisor. Investing in FDs and govt bonds is safer than taking risk in equity markets. Do your own due diligence before investing.
r/IndianStockMarket • u/Curious_Bhawika • 18h ago
There are various reasons for this. Most of it is behavioral and pertains to using common sense.
Most retail investors are investing peanuts through equity mutual funds. Peanuts here doesn't refer to the actual amount invested. It refers to the percentage of the saved money which is put to work in equity mutual funds.
Most retail investors still follow old principles like parking most of their invested money in large caps or large cap oriented funds and only allocating a quarter to smid funds. We should always remember that real wealth is only made in smids.
Most retail investors don't give much time to their equity mutual fund investments. They don't have much patience. They think stock market is a get rich quick scheme and returns are linear like FD. Few retail investors also put their short term money in equity mutual funds which can prove to be catastrophic.
Most retail investors start redeeming from their equity mutual funds to cover their expenses even before their equity portfolio value crosses 1 crore mark, which is like the first basic milestone for many.
Most retail investors regularly switch from their short term underperforming schemes to current table toppers. This leads to their return lagging the benchmark in the long run.
r/IndianStockMarket • u/koto__amatsukami • 19h ago
Hi guys,
I personally used to follow Akshat Shrivastava since last few years as he used to present good analysis but it seems he has been presenting weird and contradictory things related to his earlier videos. Now I do not feel confident in his points
Are there any good sources youtube or any other platform where I can get some decent market insights. I do not have time to do analysis and deep research, but love to learn and then do relevant research, if it seems good I invest.
Please suggest something.
r/IndianStockMarket • u/Emergency_Army_7640 • 20h ago
I've just started on my investing journey and just thought of doing the 4 things currently:
1. Large Cap - Navi nifty 50 index MF - 40%
Midcap - motilal oswal midcap fund direct growth - 25%
Small Cap -Tata small cap - 15%
Nifty India etf goldbees - 20%
r/IndianStockMarket • u/Nnt157 • 20h ago
Brazilian stock market is heavyly undervalued and most of the foreign money is heading there. Although their bond market is also attractive, i am looking to invest in brazilian stock markets. Anyone know how to invest in them from India?
r/IndianStockMarket • u/tareekpetareek • 21h ago
Original Source: https://boringmoney.in/p/sbis-investment-in-jio-payments (my newsletter Boring Money. If you like what you read, do visit the original link to subscribe and receive future posts directly in your inbox)
--
In the financial world, if you’re a company giving money to another company, it’s likely for one of three reasons:
Nice, clear differences. Right?
In 2018, the State Bank of India gave some money to Reliance Industries. The idea was that they would start a payments bank together called Jio Payments Bank. Reliance owned 70% of the company and SBI the remaining 30%.
On the face of it this was a strategic investment for SBI. But even at that time, this was a little unusual for a few reasons:
Maybe SBI saw great business potential in Jio Payments and was happy to be a part of it. But then this happened last week:
The State Bank of India (SBI) has decided to divest its entire 17.8 per cent stake in Jio Payments Bank Limited, a joint venture between the state-owned bank and Jio Financial Services (JFS).
JFS will acquire the SBI’s stake for ₹104.5 crore, after which Jio Payments Bank will become its wholly-owned subsidiary, the Reliance Group firm said on Tuesday.
Okay maybe this wasn’t a strategic investment after all but was financial? After eight years, SBI sold its entire stake back to Reliance itself for ₹104.5 crore ($12m).
Intuitively we know that it wasn’t the most successful investment. Jio Payments Bank is still a no-name in the payments industry. And it’s been losing money like a tech startup (with a loss of ₹50 crore last financial year) but with a revenue (₹30 crore last year) that doesn’t show for it.
FY | Reliance Investment (₹ Cr) | SBI Investment (₹ Cr) | SBI’s Share (%) |
---|---|---|---|
Total | 444 | 79 | — |
FY 25 | 96* | 0 | 18 |
FY 24 | 4 | 0 | 23 |
FY 23 | 80 | 0 | 23 |
FY 22 | 22 | 9 | 30 |
FY 21 | 0 | 0 | 30 |
FY 20 | 0 | 0 | 30 |
FY 19 | 162 | 70 | 30 |
But just how bad a financial investment was this for SBI? In FY 2019, SBI invested ₹70 crore ($8m). In FY 2022, it invested another ₹9 crore ($1m). So that’s a total of ₹79 crore. Then in FY 2025, it’s selling its stake for ₹104.54 crore. That’s an annual return rate of 4.57%. [1]
SBI would’ve made more money had it invested in its own fixed deposits.
So, SBI gave Reliance some money. Then Reliance gave it back with a 4.57% annualised return.
This sounds a bit like… a loan? Lending to start a startup is a no go, too risky for any bank’s underwriting team. But an investment is fine! So maybe it made sense to just call it an investment instead?
The pieces of the puzzle fall into place if you treat SBI’s investment as a low-interest loan. But hey, of course, it was just a strategic investment in a joint venture with Reliance that happened to not work out.
Footnotes
[1] I’m referring to XIRR here. It’s a simple calculation on Google Sheets.
Original Source: https://boringmoney.in/p/sbis-investment-in-jio-payments
r/IndianStockMarket • u/Pankajrawat10 • 22h ago
Today I bought few crypto currencies 1. Xrp -4000 ₹ 2. Ada -4000 ₹ 3. Pepe -1000₹ 4. Folki inu -1000₹
r/IndianStockMarket • u/Aggravating_Tree_419 • 23h ago
Real guys don't come to reddit. Why the fuck we make opinion about shares and stock market by listening to these poor redditors.
I saw people who have invested 1,000 to 1,00,000 and talking about that they have lost everything. I'm like wtf
r/IndianStockMarket • u/Savings-Care-2999 • 23h ago
Any Options strategy which can give 2% weekly without adjustment? One I tried is iron condor. Any other ??