Why I will buy these stocks at every fall! | Akshat Shrivastava Stock Investing
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- เผยแพร่เมื่อ 28 ก.ย. 2023
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If you had invested $1 in Amazon in 2008, right now the value would have been $122 - giving you a return of ~3155%
The stock market is a place where you earn only if you book profits.
But with some stocks, you NEED to have the patience to make a substantial return.
In this video, I discuss the buy and hold strategy - how to correctly use it and get returns. And I explain it using some well-known stocks on which I am personally betting on. Do watch it till the end :)
P.S: NOT AN INVESTMENT ADVICE. Please do your own due diligence.
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Attributions:
Stock videos from Pixabay and Pexels
Logos: Wikipedia Commons
Video and TN editor: Ayushman Khare
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Akshat sir would really be helpful to hear your commentary on TVS motor. I have been analyzing it for a bit while now & I fell it has the best future prospects among all other two wheeler companies of India. It is also getting into vintage bikes with Norton like Eicher motor did with Royal Enfield bikes
Aa0
When to sell?
Ppp❤
❤❤±±❤❤!!₩₩₩₩😢🎉
Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.
Summary:
1. SBI Cards - 12:37
2. US stocks - Microsoft, Apple, Meta and Amazon
3. HUL - 22:32
4. DMart - 22:45
5. Max Healthcare, HDFC life, Apollo hospital - 23:33
Card business is not going to work as new technologies based on UPI is evolving.
Thank you
@@rajucherianit need not be a physical card...even virtual cards are out now like rupay UPI cards...So, his point has merit
Thankyou
Nifty ka etf he le lo ise se acha to
Summary of Video :
1. SBI Cards - 12:37
2. US stocks - Microsoft, Apple, Meta and Amazon
3. HUL - 22:32
4. DMart - 22:45
5. Max Healthcare, HDFC life, Apollo hospital
Saved my time.
Thanks Mera bhai..😊
thanks bhai
Thanks for saving my time
Thanks
Investing in the stock market has HISTORICALLY provided higher returns than other forms of investment. According to Morningstar, the average annual return for the S&P 500 index, which measures the performance of 500 large-cap stocks, was approximately 10% from 1926 to 2023
Stocks are pretty unstable at the moment, but if you do the right maths, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are alot of wealth transfer in this downtime if you know where to look.
The best course of action if you lack market knowledge is to ask a consultant or investing coach for guidance or assistance Like Mark Stuart Jordan. Speaking with Him helped me stay afloat in the market and grow my portfolio to about 65% since January, even though I know it sounds obvious or generic. I believe that is the most effective way to enter the business at the moment.
please who is the consultant that assist you with your investment and if you don't mind, how do I get in touch with them?
I have also met ‘’Mark Stuart Jordan’’ he’s highly qualified and experienced in the financial market. He has extensive knowledge of portfolio diversity and is considered an expert in the field recommend researching his credentials further. he has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Thanks for sharing this, I googled Mark Stuart Jordan you mentioned and after going through his resume, I can tell he's a pro. I wrote him and I'm waiting on his reply
10:41 This man never fails to spit facts. Came across very few people who can look beyond the transactions with a skeptical attitude. Kudos to you.
You make your presentation interesting that's why I often start with intent not watching it fully but end up watching it fully. It's so immersive and meticulously made. You are way ahead of others. Keep it up. May God bless you
The reason I got WEX55T is because I believe decentralization is more important than anything else.
you and your gang members who have spammed this with keyword wex55t..slow caps qtiye...
bro what is WEX55T?
Thanks for teaching fundamentals. Great learning.
1. HUL
2. SBI Cards
3. Maruti
4,5,6,7. Microsoft, Amazon, Apple, Meta
8. Dmart
9. HDFC group
10. Apollo/Max
He did not say maruti, he showed it as a poor example. Please watch video
@@sneharshdamani7148 he just shares the most basic safe stocks and get paid for it (those who buy his subscription) I have spend 3 years in stock market and have a portfolio return of 22%.... really anyone who had spent that much time can make his own judgment and get a good return.... had he been so foresighted he wouldn't have missed the defence and railway rally.... when will people understand...
Maruti is already getting into EV. So it can still be a long term buy
Not said clearly 10 stocks
Where is his favorite delta corp
Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains. The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them. Well, at least my advisor does too, jokingly.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields....
I subscribed for a few trading courses but it didn't help much, been getting suggestions to use a proper financial advisor, how did you go about touching base with your adviser
Through closely monitoring the performance of my portfolio, I have witnessed a remarkable growth of $485k in just the past two quarters. This experience has shed light on why experienced traders are able to generate substantial returns even in lesser-known markets. It is safe to say that this bold decision has been one of the most impactful choices I have made recently.
I’ve actually been looking into advisors lately, the news I’ve been seeing in the market hasn’t been so encouraging. who’s the person guiding you?
Wow, that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.
One of the most honest and pragmatic podcasts around 👏👏👏
One theme which I have observed after watching Akshat's videos is that he always leaves some incentive for the user to either go watch his hindi channel or take up the member community. Its a great tatic to increase the viewership on both channels and increasing the subscribers for his course.
I agree but there is nothing wrong in that …. I have attended his stock market course and he teaches brilliantly infact feel blessed that I got a mentor like him. Highly recommended.
@@Helpline.Akshat.Zayn01 student who had enrolled last year October stock market course are they eligible to attend upcoming January course free
Thanks Akshat sir for valuable insights you gives us in every video.
Thanks. Amazing,,, you have a good analytical skill. Keep it up, Akshat and help investors. Thanks once again.
Thank you for creating educational and inspirational videos of this nature
Your enthusiasm for the topic really shines through in your video, and it's clear that you have a deep understanding of the subject matter. I also liked how you provided practical tips and insights that viewers can apply to their own investment strategies.
In today's world, where there is so much information out there, it's refreshing to come across content that is not only well-researched but also well-presented. Your video is a valuable resource for anyone looking to learn more about stocks and investing.
Keep up the fantastic work, Akshat! I'm looking forward to watching more of your videos in the future and learning from your expertise.
Very well explained and educative video for small investors
Thank you for letting us know more about stock market , thks again
Before even watching the video I can say 2 stocks in your Radar one is HUL and another is HDFC
This is kind public portfolio stock
Haaha
😂😂
😂😂😂
😂 how to be an finfluenzer on TH-cam:
Step 1: recommend 5 large cap daily
Step 2: recommend small cap and blame watchers for investing in it and not diversifying after a fall
Card business is not going to work as new technologies based on UPI is evolving.
HUL - entry barrier is low and competition is stiffening , so many FMCG companies are opening up daily(hence the lackluster for the past several years) .
Dmart - Competition is going to grow - look at how lulu's and others are opening up.
In my opinion, next sunrise sector is ev industry and as we do not know who is going to emerge victorious, an alternate option is to bet on power stocks( see how adani power is going up).
Dear Akshat, It was a fantastic video opening up our senses to investing, one thing I want to add, when you mentioned Apollo in the health care Industry, I feel the recent entrant that is Rainbow Children Medi Care has got max potential to beat it's peers in terms of growth in the next 5 years, reason being when it comes to Children, parents are ready to pay anything, if it is medical, no question at all, all parents want their children should get best medical care, as medical inflation in India is growing very fast post COVID, Rainbow can be a good bet fr 5 years from now, please comment if I am wrong...Thank You
Hi Sir. I have invested in US stocks through INDmoney through SIP. So, will that be applicable for power of compounding or is it applicable for only Indian stocks or mutual funds ?
All of them are really nice picks. But the potential of project that elegantly combine blockchain and AI is Amazons WEX55T and should not be overlooked, I guess. Among them, this truly tackle real-world problems and have vibrant ecosystems, like Aiwork.
What is WEX55T can anyone please explain?
you and your gang members who have spammed this with keyword wex55t..slow caps qtiye...
@@sivad2487it's a spam comment
Love the WEX55T content. I think this project is just as essential as HBAR and they both will be great movers
you and your gang members who have spammed this with keyword wex55t..slow caps qtiye...
WEX55T has all the fundamentals to achieve 100x. Great to see exposure like this. When the community grows and comes together this will fly!
you and your gang members who have spammed this with keyword wex55t..slow caps qtiye...
What is wex55t please explain
Is direct investing in US stocks good ? Or should one invest in a US etf ??
Good info Akshat and love your overall optimistic tone on India business growth. About Amazon, Meta Apple and MS ...you make a fantastic point ...these are global players with huge cash reserves and growth. There are some fantastic US Etfs which have all these companies and more like QQQ. and XLK.
US entering recession, I wouldn't dare to buy those US Stocks for now!
Idk about price, but Im going with WEX55T. I feel that regardless of gains and losses my funds are safe.
you and your gang members who have spammed this with keyword wex55t..slow caps qtiye...
What is WEX55T
@@sivad2487koi fraud hai bhai
I really appreciated this video, as a medium-term WEX55T holder. I know you commented on not many people paying attention to this, but it was very relevant for holders such as myself. After watching your thoughts, I willbuy more. I also remember your earl
you and your gang members who have spammed this with keyword wex55t..slow caps qtiye...
Stop scamming people
@@himankan no bro them indians got into my account it's not me commenting this
@@himankan but don't worry bro i'm finna put these people in debt
Hes so happy about the Recession coming in, like hes super excited to be witnessing it.
Amzing videos you create sir
God bless you
The content was so good and helpful akshat. If you think of small retail investors on buying us stocks, is vested a good place to go.? Because i see even for decimal shares they're charging around 0.16 dollars brokerage, i don't know whatever charges are additionally included. It'd be great if you speak elaborate about us/ any any abroad market investing in a separate video. 🙌
For last 2 years i was following akshat and made loses, now for last 1year i simply do opposite of whatever he recommend and now i am becoming profitable.
😂😂
😂😂😂
Only 2 of his suggestions backfired for me
1. Tarsons (this will eventually start rising)
2. Delta
Onyl leaders not followers make money
Yes He told to buy Delta Corp for long duration. Now He is contradicting. Same goes with crypto. He did advice to buy crypto.
Very true. I too believe in stock rotation 🤝
Thank you so much for this information
As an investing enthusiast, I often wonder how top level investors are able to become millionaires off investing. I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
Sincerely it's best to seek an advisor right now, unless you're canny yourself. As a business owner in both the service industry and eBay reseller of all product categories, I can tell you we’re in a deep recession and everyone is running out of money.
Very true, people downplay advisors role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license advisors. Thankfully, I came across someone of practical knowledge, and decades of experience, my stagnant reserve of $325K has yielded nearly $1m after subsequent investments so far.
How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?
There are a lot of independent advisors you might look into. But i work with *christine Ann Podgorny* and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her.
I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
Starting early is simple. The best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year’s experience, I was able to build a suitable life because I invested early ahead this time.
I’m celebrating a $30k stock portfolio today. I started this journey with 6k. I have invested on time and also with the right terms now I have time for my family and the life ahead of me
Wow, really. I was able to make my $25k on investment
@@thylda7877I’m looking for something I can venture into on a short term basis, I have $15k sitting in my savings
Assets that can make you rich
*FX
*Btcoin
*Stocks
*Gold
*Real estate
You’re right but a lot of people remain poor due to ignorance
Enjoyed this video. The logic to identify and hold the stocks was indeed very lucid and easy to relate. Keep up the good work and come out with more videos that help to identify solid long term stocks for a investor with moderate return expectations (but with high degree of safety) from his investments. Best wishes.
Akshat, what is the impact of de-dollarisation on the stocks that your are referring ?
Akshitji, thank you for this excellent video, I have waited for a very long time. Yes US investments is an excellent advice. Please prepare videos on buy and hold stocks in the US. Also what about US mutual funds for long term. Can you suggest some excellent US funds. Thanks a lot for your informative videos.
Why you are not considering Cams or cdsl for buy and hold according to framework , any specific reason?
Because if the market goes down their revenues will go down
@@aanshsinghania7780 but in the long run
Where will market go up or down, oviously up
Cams cdsl and bse are safe stocks but I think he wants more returns
Akshat please make a video on investing via vested! We need to know how to open the account, charges and risks in the structures (like what if the usa based intermediary who is actually holding the stock becomes insolvent). Also are the stocks purchases actually owned by the investor like its for indian stocks and all company information comes to the investor personally and they get voting rights. This will be a big help if we know the charges and pitfalls.
superb enjoyed the video
Despite Treasury rates and other safer cash-like investments yielding high returns, 51% of investors still believe that it is a good time to invest in stocks, mutual funds, and other equity-based products. I'm considering adding $400k to my portfolio, but I'm not sure which stocks to buy.
Audio working fine! :)
Insightful!
This man is confused. Looks like he picks something random and justifies that in isolation and then stitches them together. Makes no sense.
Not only ..all of these people are doing same..giving hope to people and earning money from TH-cam based on view..they don't bother if their suggestions are actually working
Right
And above all they are teaching also demanding handsome fee.
No one can speculate which sector will run double of inflation what he is buy n hold discussing.its only assumption.And if assumption hits you earn else fall.sbi card is down for quiet a long time.My assumption is that the credit card business is passee.Rather cash card or UPI has taken its place.
Correct bro, I lost 9000 Rupees by investing in SBI CARDS after watching his Video 😭😭😭😭😭😭😭😭😭
I see your name popup in his videos from time to time It looks like you have a grudge or something. This video's main focus was to highlight points he looks for when selecting "buy and hold" stocks and examples he gave, if you noticed was from each different sectors that's he has been bullish about. Now I'm not defending him or his assessment of stocks named in this video but ideas shared, but an individual should understand their own portfolio and then pick and choose the right fit for them.
Hi Sir
Any thoughts or videos on Delta Corp ?
@@Akshatzayn_Whatsaap not able to understand ?
Thanks a ton for this video... I learned at lot.
Hi Akshat, can you please make video on taxes for Mutual funds with example 10% and 15% is Long term and Short term respectively, Apart from that can you please explain how surcharge tax would be on higher gains suppose we invest for 30 years?
I wish I invested in stocks earlier but still grateful i kept money in the money market. With about $200k maturing soon, i plan investing in the stock market. What stocks should I look into as a newbie to safely grow my money?
Whenever you're ready, hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
Controlling my portfolio cost me losses in 2022. So, in January 2023 I sought advice from a fiduciary. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and REITs, my $1.2M portfolio surged, yielding an annualized gain of 28%.
Your manager must be really good, how I can get in touch with them as my porfolio is not performing as expected.
’Sonya Lee Mitchell’ is the manager I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I searched her full name online and found her webpage. I emailed to make an appointment to talk with her; hopefully, she gets back to me.
Wow,it's unbiased. Very good and informative.
Thank you soo much sir for the informative videos
The digital market turned out favorable! $60,000 every month. I can now give back to the locals in my community and also support God's work and the church, God bless America
I came here to learn how to invest after listening to a guy on radio talk about the importance of investing and how he made $960,000 in 4 months from $160k, somehow this video has helped shed light on some things, but I'm still confused, I'm a newbie and I'm open to ideas.
Investing in stocks is a good idea, a good trading system would put you through many days of success.
SBI cards
Microsoft
Meta
Amazon
HUL
Dmart
Max health
Appollo
Hello Akshat, can you talk about Lucid Motors? Whether is it good to buy?
Thank you very much
Pls reply: ❤
I am thinking to borrow money @12% rate and invest in market?
I am in stock market since last 2-3 years, learn a lot about market. Portfolio size is 5L & able to switch stock based on the Swing Trading.
Pls suggest??
Don't take any type of loan for only investment purposes this is very risky
No buddy, dont take. Risky hain...Go slow
@@amolkadam3512 Thnx
@@nashaik7765 Thnx
Don't
Yeah, financial advisors could make a lot of difference, particularly in a market such as this. Stocks are pretty unstable at the moment, but if you do the right math, you should be just fine. Bloomberg and other finance media have been recording cases of folks gaining over 250k just in a matter of weeks/couple months, so I think there are a lot of wealth transfer in this downtime if you know where to look. I have been using an FA since 2019, and I return at least $121k ROI, and this does not include capital.
Mind if I ask you to recommend how to reach this particular coach you using their service? Seems you've figured it all out unlike the rest of us.
*Jude Ryan McDonough* is his name. He is a genius when it comes to diversifying holdings. You can verify him for yourself by looking him up online. He is well knowledgeable about the financial markets.
I just Googled his name and his website came up right away. It looks interesting so far. I'm going to book a call with him and let you know how it goes thanks
Hi akshat. Can you share your views on specialty chemicals as these fall under the criteria you explained with entry barriers. Stocks like navin fluorine, vinati, alkyl amines etc
Investors has to undestand thay every influencer, broker recommends stock where they already have bought stock at low level.. by recommending they are pulling more Investors and getting theselves appreciated. Always do your research and enter in script when there is correction.
Is Akshat a SEBI registered RIA? Is he allowed to make these recommendations to general public as per SEBI regulations? I don’t see any disclaimers or RIA-license related info
No, he is NOT SEBI registered advisor
could somebody please list those shares.. TIA
Amazon
HUL
Apple
SBICARD
Microsoft
Meta
Dmart
Hdfc
Ver well spoken. I fully agree. Quite a few of my stocks , I have been holding for 10+ yrs and they are now 10-20 times valued.
Nice picks, Akshat. Just putting forth a counter point though. UPI and associated small loans seem to be replacing credit cards. So the substitution is quite strong specially among the youth.
Upi is already enabled for rupiah credit cards.. it will soon come to visa and master
@jhanikhilesh what are benifits of joining paid community?
Looking for the day, when you will be the finance minister of this country. We need to have educated legend like you in this country.
It was informative
Pls keep doing these kind of videos
Missing audio seems like a bug. All good once refreshed !
Ujjivan small finance bank is a real multibagger 🔥
Video to dekh le pehle
@@hritikpawar163😂
❤Orient Electric❤Sigachi❤SupriyaLife❤KelltoneTech❤Rain Ist.❤IEX❤️
@@hritikpawar163😂
Already holding 2 crore shares of ujjivan
Hi Akshat, first you ruled out IRCTC by saying the President of India is the main promoter and they will not bother about the company performance. Second you mentioned SBI Cards and Payments Services will might 2x in approx 5yrs from now. I can see that the promoter in this company which owns almost 69% share is SBI itself. And when I checked the promoter of SBI who holds 57.7% shares is the President of India. Now I am not able to grasp it. Is it TRUE that the government will focus on passing the wealth to the shareholders in finance sector and not in railways sector?
u raised a very relevant point..Akshat should answer
Beautiful question
As always, very valuable insights akshat bhaiyya
I am a big fan Akshat,
But today I want to ask you why HUL DID NOT GIVE ANY RUNUP from 1999 till 2011...that's 12 good years with return next to ZERO and now all of a sudden equity markets started inflating. Is it all a bubble? Aren't the markets over inflated with money from wealthy investors with deep pockets? Is it justified to invest in such overvalued market?
Please suggest some good undervalued stocks...
I bought DMART 2 years back and I'm still repenting .
Same here
25 shares at 4700
Talk about delta corp , which has been the consistent recommendation.
This is an govt regulation issue, no one can do anything about it, also no one can assure anything about any stock.
Hope you have not invested more than 5% of your portfolio.
Particularly abt delta, If you can see it go to zero 0 then hold it, maybe it can be your multibaggar, else book your loss now, there is no any middle ground.
I am akshat sir's premium member, he said same in a post at community. Which is 100% fair.
Decision is your anyday.
Is joining group beneficial?
@@gambhirahul advantages of joining the premium group
@@Rahulss11 offcourse
Heartily thanks 😊👍
Commenting here for engagement of your vid! Loved the content!! Looking forward to more❤
SBI cards have given poor returns in the last 2 years...
he will give good returns in coming 2-3 years
😂 how to be an finfluenzer on TH-cam:
Step 1: recommend 5 large cap daily
Step 2: recommend small cap and blame watchers for investing in it and not diversifying after a fall
Good video. Thanks
Interested to hear your view on Nvidia and the semiconductor industry in general!
Hii Akshat, can you please a video on Delta corps, lots of people follow you and invest post your analysis, kindly share your views after it's recent fall
This is an govt regulation issue, noone can do anything about it, also no one can assure anything about abt stock.
Hope you have not invested morethan 5% of your portfolio.
If you can see it go to zero 0 then hold it, maybe ita can be your multibaggar, else book your loss now, there is no any middle ground.
I am akshat sir's premium member, he said same in a post at community. Which is 100% fair. Decision is your anyday
@@gambhirahul 👍
This video is indirectly sponsored by Sbi cards. xD
Great explanation btw.
Amazing Content! You have been doing one of the most genuine commentary. It has certainly made us a lot more aware.
Thank you sir for your analytical data used
Now when you mention Amazons *APL77X* that clearly fits the niche and is worth more than ever? Their project is probably the best thing done in the 2000-years and it just began, so nothing to worry at all for longterm
You are one of the most sophisticated and brilliant TH-camr/content creator I watch, and 1million percent the very best in finance. I appreciate all of your content thank you for WEX55T much love from Chicago
What is this wex55t can someone explain
@@deveshgiri5674ignore these are spam bots
No he isn’t.
Hi Akshat,
Tried applying your Buy & Hold model along with P5F on Hospital Industry in India.
Narayan Hrudyalaya is one stock which catches my eye. This is an industry growing > inflation rate. Entry barrier is high. They appear to have an extremely ethical business model amongst an extremely unethical business space. Expansion is based on taking over existing hospitals in tier 2/3 and they play on volume of quick turnover of patients rather than bed occupancy rate. Promoter integrity is impeccable and a separate Health Regulator is nowhere in sight or even consideration. Request if you can share your views on the Hospital industry with exclusive coverage on Narayan Hrudyalaya. Thanks
Thank u !
I have been holding on to the following stocks since three years and plan to hold for the next two decades
1. Titan
2. HUL
3. Asian paints
4 HDFC
5 Gillette
6 Nestle
7 L&T
8. Reliance
9. SBI
I am almost 79 years old. Have started investing in the stock market a few years ago with gift money I have been receiving from children and siblings . I don’t miss a single post of Akshat Srivastav. He is my hero.
Great to hear again from you, can you update us about your hdfc jhol?
Agreed! Great Video!
The whole planet would make life better for everyone as long as we can understand Amazons *APL77X* and the future they can create, something other parties would always fail to do so
I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs. Laurie Siebert.
I'm surprised you know her. I've been making a lot of profits investing with her for a few months now.
You invest with Mrs Siebert too? Wow that woman has been a blessing to me and my family.
I'm new at this, please how can I get in touch with her?
I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much.
She often interacts on Telegrams, using the user name written below
Hi. Do you have any opinion regarding SPTL ? Is there a possibility of revival in near to long term? Thanks
Thanks Akshat….I am a Sharia based investor getting a lot of help from your videos
Amazons *APL77X* is a jaw-dropping game changer that will leave you speechless. Dont be the one who misses out on this groundbreaking shift in the way we live.
spam account^
Useful information for financial fitness
Hi Akshat
Why do suggest HDFC Life which has current PE of 95 sales are stagnant around 70k cr.??