
Right Stock
Color-codes for the 10 Year X-Ray and Future Prospects tell you the fundamental strength of the stock.
Best Practice Tip: Avoid Red stocks.
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Right Price
This tells you whether a stock is undervalued, using:
MRP - Fair value of the stock .
DP (Discount Price) - Sensible Buy price of the stock.
CMP - Current Market Price of the stock.
Margin of Safety - Difference from MRP to reduce risk.
Best Practice Tip: Invest in stocks when they are at a reasonable discount to the MRP.
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Analysis of Financial Track Record
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endConsolidated basis 

Net Profit/Total Funds (%) | 0.93 | 0.94 | 1.3 | 1.26 | 1.12 | 0.65 | 0.66 | 0.29 | 0.32 | 0.31 |
Net NPA to Net Advances (%) | 1.08 | 0.94 | 0.58 | 0.91 | 0.98 | 1.54 | 1.46 | 2.78 | 2.04 | 2.77 |
Capital Adequacy Ratio | - | - | - | - | - | - | - | - | - | 12.5% |
RATIOS \ YEARS | Mar'07 | Mar'08 | Mar'09 | Mar'10 | Mar'11 | Mar'12 | Mar'13 | Mar'14 | Mar'15 | Mar'16 |
Interest Earned / Total Income | 88.1 | 88.67 | 87.8 | 89.24 | 90 | 92.23 | 92.97 | 91.93 | 90.41 | 89.33 |
Margins
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NIM (%) | 2.68 | 2.22 | 2.66 | 2.4 | 2.46 | 2.27 | 2.14 | 2.31 | 2.29 | 2.34 |
Performance Ratios
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Return on Equity (%) | 22.26 | 23.28 | 30.64 | 26.88 | 23.09 | 13.93 | 14.94 | 6.81 | 6.83 | 5.99 |
Liquidity Ratio
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CASA (%) | 28.33 | 29.28 | 32.43 | 30.41 | 30.32 | 27.34 | 25.79 | 27.65 | 29.79 | 31.84 |
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What do we look at?
Management Assessment: An assessment of the trustworthiness of the management based
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
on 5 important parameters. These parameters are colour coded as Green (Very Good),
Orange (Somewhat Good) and Red (Not Good)
1.
Corporate Governance: To analyse corporate governance practices, we look at composition of the board of directors, quality of independence, remuneration paid to the board of directors, etc.
2.
Board credentials: To assess board credentials, relevance of qualification and experience is looked at.
3.
Promoters’ holding: Here, we look at the trend of promoter holding as also the trend of shares pledged by promoters.
4.
Transparency: To assess transparency, we look at the company communication and try to assess truth, fairness and candidness.
5.
Integrity: To assess integrity, we look for involvement of the management in scams, frauds, etc. which would be a warning sign.
Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)


