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Satwant Yadav
IDFC First Bank – What Should Investors Do Now?
After reading the entire concall transcript and management commentary, here’s my honest view.
₹590 Cr discrepancy is limited to one branch, the bank is well capitalised, and financially this hit is absorbable.
But as investors, we are not just buying earnings — We are buying trust, governance, and predictability.
This incident raises 3 important questions:
1️⃣ How long did this go unnoticed?
2️⃣ Was it purely branch-level or a control weakness?
3️⃣ Can we be 100% sure no further surprises will emerge?
Right now, we don’t have those answers. The forensic audit will take 4–5 weeks.
Even before this event, the stock was not trading at distressed valuation.
When valuation does not give margin of safety, taking governance risk becomes expensive.
If I were to take a decision TODAY:
I would stay away until there is clarity, wait for the forensic audit outcome, final provisioning impact, and would re-evaluate once dust settles.
Remember: In the financial sector today, we have well-run private banks, high quality NBFCs and Housing finance companies
There are plenty of opportunities where governance is cleaner, earnings visibility is stronger and valuation offers better comfort, so why take unnecessary risk when better options exist.
What will you do with IDFC First Bank after this incident?
3 months ago | [YT] | 3
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Satwant Yadav
EFC India Q3 FY26 Results:
Revenue: ₹270 Cr (+52% YoY)
PAT: ₹62 Cr (+54% YoY)
73,000+ seats | 90%+ occupancy
₹166 Cr Profit in Just 9 Months!
That's MORE than their ENTIRE FY25 profit... with Q4 still to go!
3 months ago | [YT] | 3
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Satwant Yadav
JEENA SIKHO LIFECARE Q3 FY26 🔥
Jeena Sikho Lifecare has delivered a blow-out Q3 FY26, and the numbers clearly show real operating leverage not accounting magic.
📈 Q3 FY26 Highlights (Consolidated):
Revenue: +92% YoY
PAT +404% YoY🤯
Expenses up only ~38% while revenue almost doubled
Margins expanded sharply as fixed costs got absorbed
4 months ago | [YT] | 2
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Satwant Yadav
PC Jeweller Debt Update | Q3 Thesis Playing Out
In Q3 FY26 results, PC Jeweller had already informed investors that it had repaid ~68% of its total bank dues under the Joint Settlement Agreement.
📢 Now, in the latest exchange update, the company has repaid another ~17% of the total dues.
This means around 85% of the total bank debt is already repaid.
🔹 The latest repayment was done through:
• Promoter group warrant conversion into equity
• Internal business cash flows
🔹 The company has also reiterated that the remaining bank debt is fully covered by pending warrant money, and it expects to become debt-free by FY26 (March 2026).
📌 This is important because it confirms execution, not just guidance.
What was explained in the Q3 FY26 results is now showing up step by step in filings.
▶️ If you haven’t watched it yet, check out my recent PC Jeweller Q3 FY26 analysis video, where I explained:
4 months ago | [YT] | 3
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Satwant Yadav
📢 Jeena Sikho Lifecare Q2 FY26 Results are Out!
What a fantastic quarter for the company!
Revenue: ₹189.8 Cr — up 66% YoY
PAT: ₹58.8 Cr — up 121% YoY
H1 PAT: ₹110 Cr — more than 2.5x growth from last year!
Super happy to see such strong and consistent performance.
Jeena Sikho is proving that Ayurveda-based wellness can scale profitably
If you follow growth stories in the healthcare and wellness space,
this is definitely one to keep an eye on!
7 months ago | [YT] | 4
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Satwant Yadav
P N Gadgil Jewellers – Diwali Sales 🔥 Explosive Growth!
Festive season sales: ₹606 Cr (+74% YoY)
Dhanteras sales: ₹277 Cr – Highest ever! (+105% YoY)
Gold revenue: +74% YoY
Diamond revenue: +54% YoY
Silver revenue: +90% YoY
Gold volume: 390 kg (+10% YoY) even after ~60% YoY increase in gold prices
Diamond volume: +47% YoY
Silver volume: +17% YoY
Strong momentum from festive offers & higher footfalls
Management optimistic for upcoming wedding season
Jewellery demand boom continues!
#pngadgill #jewellerysector #stockmarket #investing
7 months ago | [YT] | 1
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Satwant Yadav
CreditAccess Grameen Q2 FY26 Results – Strong Growth & Improving Asset Quality!
CreditAccess Grameen has delivered another solid quarter!
Disbursements up 33% YoY in Q2 FY26 and 27% YoY in H1 FY26
Asset quality continues to improve — PAR 0+ fell to 4.7% from 5.9% last quarter
Added 4.4 lakh new borrowers and opened 150 new branches in H1
Non-Karnataka portfolio gains strength as regional diversification pays off
₹683 Cr of write-offs taken to clean the book
Karnataka and Bihar saw strong recovery in collections, while Tamil Nadu and Maharashtra remain stable.
Despite seasonal monsoon impact, business momentum stays robust with improving credit discipline.
Key Takeaway: Steady growth + stabilizing asset quality = healthy outlook for FY26.
8 months ago | [YT] | 0
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Satwant Yadav
V2 Retail Q2 FY26 Results – 86% YoY Growth!
V2 Retail has delivered blockbuster Q2 FY26 results
Revenue: ₹705 Cr vs ₹380 Cr (YoY ↑ 86%)
Same Store Sales Growth: 23.4% (normalized ~10.3%)
Sales per Sq. Ft: ₹938 per month
Expansion: +43 new stores (Total 259, footprint ~27.94 lakh sq. ft.)
Strong momentum in Tier 2 & Tier 3 markets, disciplined execution, and innovation-led growth continue to fuel performance.
8 months ago | [YT] | 1
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Satwant Yadav
PC Jeweller Q2 FY26 Business Update:
Revenue growth of 63% YoY this festive season
Debt reduced by another 23% this quarter
On track to become Debt Free by FY26-end
Expansion with new Franchise showroom in Pitampura, Delhi
PC Jeweller is clearly focused on Debt-Free Balance Sheet + Expansion through Franchise Model.
What do you think – will PCJ reclaim its old market position?
#pcjweller #businessupdate #stockmarket #jwellerysector
8 months ago (edited) | [YT] | 1
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Satwant Yadav
CarTrade Tech Update!
Despite the stock today's correction, CarTrade has shared a strong update:
Government’s GST cut on vehicles is boosting auto demand.
CarWale & BikeWale saw 25% surge in traffic post-GST reduction.
Festive season + lower taxes = higher volumes in both new & used vehicles.
This policy shift could act as a big catalyst for CarTrade’s growth.
Do you think this will revive the stock? Comment below 👇
#cartrade #bikewale #carwale #autosector #gstcut
9 months ago | [YT] | 3
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