The thief comes only to steal and kill and destroy; I have come that they may have life, and have it to the full. “I am the good shepherd. The good shepherd lays down his life for the sheep.

24 May 2019


Hi friends, please read the following heart touching quotes.

An old man took his mobile phone to a repair shop. Technician: nothing is wrong with this phone. Old man with tears in his eyes said: Then why don’t my children ever call me?

Don’t love too soon, Don’t trust too fast, Don’t judge too soon. Don’t quit too early, Don’t expect too high, Don’t talk too much.

Never regret, if it is good, it is wonderful, if it is bad, it is experience.

Standing alone is better than standing with people who hurt you.

Five rules to live a happier life have yourself, Do good, Always forgive, Harm no one, Be positive.

Work late to spend freely & work hard to live easy.

Never take permanent decisions on temporary feelings.

Lovers are fantastic, best friends are awesome. But when both are the same persons then are no words to explaining.

Waiting is a sign of true love and patience. Any one can say I love you, but not everyone can wait and prove it is true.

The most hopeful word is “tomorrow “

GOOD LUCK                                                              see you later.

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.