Indo Count Industries - To Buy or Sell - A Tech Perspective

Leading exporter in home textiles: Indo Count Industries Ltd (ICIL) has become one of India's leading vertically integrated textile companies. Started in 2007, its home textile division has emerged as the third largest manufacturer and exporter of bed sheets from India in recent times. Its key clients include global retailers like Walmart, Bed, Bath & Beyond, Macy's and JC Penny. Since FY2011 the revenues from this division have increased by 2.5x and reached Rs1,029 crore in FY2014. Backed by higher capacity utilisation and cost controls, the operating profit margin has also improved to 16.2% in the segment from 11.7% in FY2011. The company expects to sustain such level of margins in the coming quarters.

Exit from CDR expected in next few quarters: During 2007-08, the company incurred losses of Rs130-140 crore on the hedges marked against the export receivables. This coupled with a global downturn led to an erosion of its net worth. In July 2008, the company was admitted into the corporate debt restructuring (CDR) cell and Rs300 crore was spent on restructuring the company's debts. Now, with better profitability and an improving global economic environment, the company is likely to exit the CDR mechanism in the next few quarters. We believe that the exit from CDR would save the interest cost and increase the financial flexibility of the company. Led by a boost in the earnings, the company has reduced its long-term (LT) debt by over Rs100 crore over FY2011-14.

Trading at 5.5x FY2014 EPS, likely to get re-rated after CDR exit: We believe that the company's capacity expansion plan, focus on R&D, the new government's thrust on exports, reduction in long-term debt and imminent CDR exit are the various positive levers that are likely to boost the company's prospects in the next one to two years. We are expecting the company to post a CAGR of 22% in rough-cut earnings estimates over FY2014-16 on a high base of FY2014. Valuation wise, the company is trading very attractively at 5.5x FY2014 earnings per share (EPS) which is at a 20-30% discount to its industry peers like Welspun India. Hence, in view of the better earnings visibility and discounted valuations, we are expecting a re-rating in the company in the near future. We see a potential upside of 20-25% to the stock price of the company in the next four to six months.

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Force Motors - To Buy or Sell - A Tech Perspective

Force Motors Ltd (FML), a leading manufacturer of passenger and commercial vehicles, has witnessed a sharp appreciation in its stock price over the past month on the back of expectations of improved financials, new product launches and plans for a new facility in Chennai for assembly of BMW engines. The stock has appreciated over 90% since our viewpoint report dated August 14, 2014, highlighting the aforementioned re-rating triggers & points.

Though the growth outlook remains positive on the back of the incremental revenues from its Chennai plant for BMW, technical tie-ups and the proposed introduction of new LCV platform, but we believe that the stock has run ahead of its fundamentals. It trades at 18.1x FY2016 EPS estimates and EV/EBITDA of close to 8.9x (FY2016 estimated EBITDA), which is at a premium to quality companies like Maruti Suzuki and seems to be unjustified. Consequently, we advise investors to book profits.

Risk to our call: A higher than expected ramp-up in the BMW business and better than expected margins (though we had assumed margins that are higher than the historical trend) could result in an upside to our estimates.

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How to Get Home Loan @ 10% in High Interest Rate Regime?

All of us want to lock in with home loan at the cheapest possible rate and here we will tell you that how you can get home loan @ 10% when rate of interest is high.

HSBC Home Loan Rates

We got an invite from HSBC to transfer our home loan to their bank and we will get the rate of interest @10%. The below screenshot shows the correct picture.

The terms and conditions are as enumerated below and be read as per guidelines given in the screenshot.

1. 10% Rates applicable for Salaried persons only. For Self Employed persons, Home Loans are provided at 10.15% and Smart Home at 10.35% p.a.

2. With effect from 1 July 2010, the interest on your floating rate loan is linked to HSBC’s Base Rate. Any revision in the Base Rate would impact your floating interest rate loan. The Base Rate is 9.70% p.a. effective from 1 September 2014. For further details on the Base Rate and its impact on your floating rate loan, please refer to the FAQs on Mortgages on www.hsbc(dot)co(dot)in. All loans are subject to terms and conditions and are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India.

Loans available for applicants and properties in and around the city limits of Ahmedabad, Bengaluru, Chandigarh, Chennai, Hyderabad, Jaipur, Mumbai, New Delhi (NCR) and Pune are subject to change from time to time.

3. Top-up upto 100% of the transferred loan value will be at 0.25% premium. Top up more than 100% will attract 0.75% premium.

Lastly they are also offering loan against property @ 11.25% PA.

Verdict

The deal is good if one can get home loan @10% but remember to check the loan charges for shifting from one lender to other or prepayment penalty etc. Bookmark us or subscribe for our free email updates for Indian Share Tips which will help you make or save money in one way or the other.

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Sure Way to Get #1 Result on Google Search Page

It is important that one comes up on the search results of Google and for that make sure that your articles have the necessary key words sprinkled. Else you may be writing good content but it will not be seen by anyone as people rarely go beyond first page of Google results.

Now question comes that how many times the key word should be used and make sure that you do not overshoot below guidelines:

Ideally, in a 500 words article you should use the primary keyword 4-10 times and a bunch of 8-15 LSI keywords exactly once each. You still need to ensure that no single word has a density greater than 3-3.5% tops, and that is acceptable only for common single word keywords.

For instance, if the primary keyword is "car insurance online" then it is best to have the following secondary keywords sprinkled throughout your article:

car and/or cars
insurance
online and/or Internet
online car insurance
car insurance
insurance online
online insurance
car online
cars online
motor insurance
vehicle insurance
insurance over the internet
and so on...

If you follow above guideline you are going to rank no one surely on Google Search Page result and get the page views which you deserve instead of getting sandwiched.

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TCPL Packaging Ltd (TCPL) - To Buy or Sell - A Tech Perspective

Strong player in domestic packaging space: TCPL Packaging Ltd (TCPL) is one of the largest players in the domestic packaging space (with expertise in carton packaging). The company is one of the largest supplier of packaging materials to tobacco, food and other FMCG product companies including large players such as HUL, ITC, GSK Consumer, Godrej Consumer Products and Marico. The strong clientele and improving market share led the company's revenues to grow at CAGR of 26% over FY2010-13 (volume growth of 16% vs a 12% volume growth in industry).

Revenues to grow at 20%, OPM to improve gradually: The financial year 2013-14 can be considered as an aberration when TCPL's revenues had grown by just 6%, affected by a slowdown in the consumer goods segment (the growth rate of the FMCG sector moderated to single digits in the last two to three quarters of FY2014). With a stable government in place and improving sentiment against the backdrop of declining inflation and improving macro environment, we expect the consumer goods companies to grow at a faster rate in the coming years. Thus, we expect TCPL's revenues to grow at a CAGR of over 20% (with a volume growth of 18-20%). With better operating leverage, TCPL's operating profit margin would inch up to about 17% in the next two years (from ~15% in FY2014).

Comfortable balance sheet; return ratios to see strong traction ahead: Despite a greenfield expansion plan of Rs70 crore (to be funded through debt and internal accruals) in FY2015, the debt/equity ratio would remain unchanged at the current levels of about 1.5x. Going ahead, a strong earnings growth and better working capital management would lead to better cash flows. With no major capital expenditure plans over the next two to three years, we could see a substantial reduction in debt by FY2017. The reduction in debt will not only fuel a growth in the earnings (which are expected to grow at a CAGR of 55% over FY2014-17), but also result in healthy return ratios (making the company one of the better packaging companies compared with the peers).

Valuation at discount to peers, potential upside of 25-30%: A strong vision with a proven track record of the management, increasing market share with better supply chains, commissioning of a new facility (in Guhawati) and potential pick-up in volumes from its clients would significantly improve the growth prospects of TCPL in the near future. Further, an enhanced focus on introducing value-added products through different prototyping and exploring overseas opportunities by expanding the export reach would improve the financial performance of the company. At the current market price the stock is trading at 7.4x FY2016E earnings, which is at a discount to its industry peers. Hence, in view of the better earnings visibility and discounted valuations, we see scope for 25-30% returns from the current level.

Key risk: Any delay in pick-up in demand from the consumer goods companies or any increase in the prices of the key raw materials would affect the profitability and earnings of the company.

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How to Send Money Using Email & Mobile in Indian Banking System?

When we are making this statement to send money using Email id and mobile number; we are definitely not talking about Paypal services but are infact referring about Kotak bank innovative service by which you can send money to an individual by just knowing their email id and mobile number.

The FAQ's related to this procedure is as appended below :

What is 'Send Money via Email' service?

You can now send money to a beneficiary by just knowing his/her email ID and mobile number. You don't need to know beneficiary's bank, account number, IFSC etc. You don't have to register beneficiaries.

Where can I use this service?

Currently, this service is available on Kotak Net Banking.

Are there any charges for this service?

Existing charges if applicable for NEFT/ IMPS will be levied as per General Schedule of Features and Charges (GSFC).

What is the eligibility for using this service?

You need to be registered for Net Banking with unconditional transaction rights. Service is available for individual customers only.

How does this service work?

Log in to Net Banking --> Banking --> Transfers and Payments -->Send Money via Email.
Enter the beneficiary details like name, email ID, mobile number and payment amount. 2 OTPs will be generated and shared through SMS - one will be sent to you and the other to the beneficiary. The beneficiary will receive a mail from Kotak Mahindra Bank with the redemption link. Beneficiary needs to enter both the OTPs and then enter his/her account details to receive the amount.

What are the fund transfer limits?

Rs. 10,000 per transaction and
Rs. 50,000 per day

When will the OTP expire?

OTP will expire 7 days from the payment date.What should I do, if I don't receive my OTP?

Please check your preferred mobile no. registered with the bank
You have the option to re-generate the OTP. A new link and OTP will be sent to your beneficiary, along with a new OTP sent to you, which you need share with your beneficiary.

What should I do, if I don't receive my OTP?

Please check your preferred mobile no. registered with the bank
You have the option to re-generate the OTP. A new link and OTP will be sent to your beneficiary, along with a new OTP sent to you, which you need share with your beneficiary.

Beneficiary has not received the OTP, what can I do?

You have the option to re-generate the OTP. Use the 'Re-generate OTP' option in Net Banking for the same. However, a new OTP will be sent to your preferred mobile number too.

Beneficiary has lost the link? How can I help him?

You have the option to use the 'Re-generate OTP' option in Net Banking. Along with OTPs, a new link will be sent to the beneficiary's email ID.

Can I cancel my transfer request?

Yes, you can do the same by using the 'Cancel Transaction' option. The transfer request can be cancelled till the time the funds are debited from your account.

Once the beneficiary inputs the OTPs, how does he claim the payment amount transferred to him?

Beneficiary needs to input the details for the bank account he wishes to receive the money in. The account does not have to be with Kotak Bank. In case of a non Kotak account, beneficiary will need to enter IFSC, Bank Name, Bank account details and submit the request. The transfer request will be executed via fund transfer modes like NEFT/ IMPS.

When will the funds be deposited in the beneficiary's account?

Funds will be debited from the remitters account as per the payment date requested by him. The transfer request will be executed via NEFT/ IMPS (Immediate Payment service). If the beneficiary bank participates in IMPS then the transfer will be executed immediately, otherwise it will be processed in the NEFT clearing cycle. The transfer is subject to sufficient balance in the debit account at the time of execution of request.

Verdict

Full marks to Kotak bank for launching this innovative feature but they have to make sure that the transactions are not used for Hawala transactions and bonafide accounts in India are only allowed through this feature. The checks and balances have to be in place and receiver and buyer have to make sure that Trojans and Malwares are not implanted on their computers.

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Who Should File form 15H to Avoid Tax Deduction by Bank?

We have already covered that at the start of every financial year one must update the form 15H and 15G with the bank or post-office where one is having the fixed deposit.

However adjacent screenshot will show that who all are eligible to fill form no 15 H and knowing is good for financial health as it will enable you to save tax which otherwise might be debited by bank if you have interest from fixed deposit more than 10,000 in a financial year and remember that interest in saving account upto 10,000 is exempt from any income tax.

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Latest Rubber Industry Update to Make Judicious Decision

Rubber prices are sliding globally and as a net result the Stocks related to rubber industry are getting rerated. The stocks related to tyre industry namely JKtyre, Apollo tyre and MRF are riding high as they are getting raw material at lower costs. Below we are providing the latest scenario prevalent and thereafter we will be updating through the comments below this post to provide you with latest happening in this segment.

In the recent past, global rubber prices have gone into a downward spiral with increasing concerns on demand-supply mismatch. The benchmark Bangkok RSS-4 rubber prices have declined from $2.2/kg in March to ~$1.7 levels. These are five-year low prices. Recent news flow of sale of 200,000 MT of rubber stocks by the Thailand government has caused more panic in the existing market. On the demand side, global studies and major manufacturers commentary suggests automotive tyre demand will grow ~4-5% in volume terms. This would be split with demand rising well in the North American region while Europe and Japan would remain sluggish.

Emerging markets like India and China are expected to see a moderate recovery. From an Indian perspective, domestic tyre manufacturers saw another quarter of favourable raw material prices mostly as natural rubber (NR) prices saw a decline to | 132/kg from | 148/kg in March in the domestic market. Domestic rubber supplies would have ebbed in the monsoon season, however, due to lower tapping. However, in the coming periods, as tapping increases prices could remain under pressure as supply increases domestically.

The recent crude price decline (~9% QoQ) may cause a lag decline in crude linked derivatives like synthetic rubber and nylon tyre cord. Rubber contributes ~50% in volume terms and ~55% of the total raw material cost for tyre companies, depending on the product mix. Crude-linked derivatives constitute another 20-25% of the raw material basket for tyre companies. Thus, tyre makers are in a unique sweet spot as commodity prices, unlike historically, are reducing without a demand collapse. Hence, this is providing companies opportunities to focus more on bottomline growth vis-à-vis pace of topline growth.

Sector outlook Raw material outlook: Rubber price fall in a traditionally weak quarter (Q1) augurs well for OEMs as risk of price increases come down significantly for the rest of FY15E. The increase in domestic tapping from the Kerala region and increase in global supplies as Thailand inventory comes into the market may keep prices under control. Going ahead, we believe RSS-4 prices would continue to remain at ~$1.8/kg (Bangkok), ~| 135/kg in the domestic market.

On the crude linked derivatives side, like synthetic rubber/carbon black prices are also expected to witness declines albeit in a lagged manner owing to the recent fall in Brent crude prices to below $100/bbl. Pricing discipline: On the pricing front, so far, even with the slowdown and natural rubber price corrections, the pricing discipline shown by the tyre industry in the replacement market has been strong. On the OEM side, the pricing contracts are on a quarterly or bi-annual basis, thereby resulting in price reductions in the OEM segment as the benefit of favourable raw material prices gets passed on. Thus, the increase in OEM demand would have led to higher utilisation levels but would be offset by a decline in terms of pricing.

Demand outlook: Demand recovery is showing some green shoots of revival with the M&HCV, PV (-4%, ~3% YoY YTD growth) OEM sales showing sings of revival even as the 2-W segment continues to remain strong (~16% YTD YoY growth). This augurs well for FY15E, FY16E. The pick-up in tyre demand from OEs may be more pronounced from H2FY15E onwards. We expect the overall auto industry to grow 9-11% for FY15E. Replacement demand has mitigated the overall weakness in OE demand in FY14E. We believe overall industry share of replacement, OEM would move to 65%, 35% from ~70%, 30%, respectively.

As per our analysis, for every | 10 change in natural rubber prices (other things remaining constant), EBITDA margins could likely change in varying degrees from 100 bps to 400 bps, clearly showing that Balkrishna Industries would benefit the least from a rubber price fall. On the earnings front, JK Tyres is expected to see ~30% change on every | 10 change in natural rubber prices.

As per the study conducted by the International Rubber Study Group, natural rubber production has doubled from the levels in year 2000. In the past 14 years, rubber production has been surplus for six years. However, the supply demand surplus has not exceeded two years until the year 2013, which has seen increasing surpluses. Also, in 2014, the same situation is likely to persist. Furthermore, for the next 15-18 months, natural rubber prices are likely to remain muted as supply outstrips demand.

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Airtel Dish TV Toll Free Cust Care No

Airtel has the best signal connectivity in Punjab and we can not say about the other states. If one wants to install their dish connection; one can contact them at 24 *7 customer support in 12 languages:

North Hub : 0124 4448080
East Hub : 033 44448080
West Hub : 020 44448080
South Hub : 080 44448080
Airtel users can dial 12150
Airtel Customer care toll free number for their dish connection is 1800 102 8080

You can find more about other companies toll free numbers in India here

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