Then he called the crowd to him along with his disciples and said: “Whoever wants to be my disciple must deny themselves and take up their cross and follow me. For whoever wants to save their lifewill lose it, but whoever loses their life for me and for the gospel will save it. What good is it for someone to gain the whole world, yet forfeit their soul? Or what can anyone give in exchange for their soul?

23 May 2019


Hi friends, please read the positive, inspirational ,love quotes.

My brother is gay and my parents don’t care, as
long as he marries a doctor.

If you make laugh I am already 89% in love with you.

Always remember.....an idiot who makes you laugh in his presence, will definitely make you cry in his absence...... because those idiots are our Real Friends.

We ignore  the ones who adore us, Adore the ones who ignore us, Love the ones who hurt us, and hurt the ones that love us.

Two concepts for a truly Happy life: 1.Use things, not people. 2.Love people, not things.

I live, I love, I laugh, I cry I am not perfect.  No one is not you or I.

This shirt is dry clean only which means it’s dirty.

It is really easy to cry in pain and easy to laugh in joy, but crying in joy and laughing in pain shows real spirit.

Some people just need a High-Five.

Fake friends believe in rumours, real friends believe in you.

Every morning you have two choice, continue to sleep with dreams or wake up and chase your dreams.  The choice is yours.

Men are afraid that women will laugh at them.  Woman are afraid that men will kill them.

Respect is for those who deserve it, not for those who demand it.

In bed  , it’s 6 AM you close your eyes for 5 minutes, it’s 7.45, at school it’s 1.30,  close your eyes for 5 minutes, it,s 1.31.

You can’t FACE the problem if the problem is your FACE.

Thanking you,                                                                   see you later.

22 May 2019

STOCK MARKET--What is your take on the IDFC First Bank share, is it a good buy for long term (5 years +)?

IDFC First Bank was formed by the merger of Capital First and IDFC Bank in December 2018. It is going to declare its maiden results on 10th of May 2019. There are enough reasons to believe they would continue to grow exponentially in years to come.
Firstly, retail banks are safer bets compared to their corporate cousins. Retail bank loan portfolio is much more diversified and loan defaults are very low. IDFC got the banking license from RBI in 2015 and it tried to start retail business but due to its corporate background it was unable to focus on its retail business.
The merger of IDFC with the Capital First is a very big positive. Capital First is known for its phenomenal performance. The company had grown at a pace of 30–40 % CAGR (Compound Annual Growth Rate) before its merger with the IDFC. Capital First was dealing in retail business and this is why IDFC opted to merge with this company.
The growth story of Capital First was achieved with the help from its Founder and Chairman Mr. V. Vaidyanathan. He is the current CEO and Managing Director of newly formed IDFC First Bank. He is the person who had transformed Capital First into a large retail financial institution with operations in 222 locations across India within six years. Between March 2010 to December 2018, he had grown the retail loan book from Rs. 94 Crores to Rs. 29,624 Crores, grew the equity capital from Rs. 690 Crores ($ 118 mn) to Rs. 3993 crores ($ 600m), reduced Gross NPA from 5.28% to 1.94%, got the long-term credit rating upgraded from A+ to AAA. The Market Cap of the company has increased from Rs. 7.90 billion ($ 122m) to Rs. 7628 Crores ($ 1.17b). Mr. vaidyanathan has the experience of building retail business of ICICI bank from its inception to a large business of over USD 35 billion and 1400 branches across mortgages, auto loans, commercial vehicles, credit cards, among others.

21 May 2019


Confidence Petroleum India Ltd (CPIL)(Bomay Stock Exchange listed Company, Market price Rs.40.50/-
 is a Nagpur based company promoted by the Khara Group engaged in four aspects of LPG, (I) LPG cylinder manufacturing, (ii) LPG bottling, (iii) LPG marketing and (iv) Auto LPG dispensing stations. Company is on a strong growth path and is expected to clock a strong growth in revenue to Rs19,407mn a CAGR of 47% from FY18- FY21 with growth mainly coming from the fast-growing auto LPG dispensing stations. Importantly, they are expanding in a high growth, cash flow positive retail foray in auto LPG dispensation where the payback period is under 18 months leading to high capital return ratios. CPIL is a vertically integrated company with end to end infrastructure to sustain its operations. It is the leading private sector player in the auto LPG segment with over 150 stations in Andhra Pradesh, Karnataka, Tamil Nadu, Telangana and Maharashtra. They also have composite LPG cylinders under the nd name Go Gas Elite marketed in 22 states including highly populated states like Maharashtra, Andhra Pradesh, Karnataka, Uttar Pradesh, and West Bengal. They are also the largest LPG cylinder manufacturer in India with a capacity of 5 million cylinders per annum and also one of the largest LPG bottling assistances to all oil majors in India with end to end solutions with over 58 bottling pan India. CPIL is expected to have strong earnings growth through to FY21 with earnings growing at 134.7% in FY19, 50.3% in FY20 and 33.5% in FY21 with ROEs of 20% in these years and ROCEs in excess of 25%, making it an attractive investment opportunity. Valuations: CPIL is expected to have strong performance going forward. In 1HFY19, the company has reported over 50% growth in operating profits and we expect the trend to continue as the benefits from earlier capex starts getting reflected in the ensuing period. CPIL is expected to report an EPS of Rs2.4 for FY19, 3.7 for FY20 and 4.9 for FY21. The stock at the current price of Rs40, trades at a Target price of Rs65, trades at a PER of 17.5x FY20 earnings and 13.2x FY21