Author name: viratbhushan22@gmail.com

How to make career in Banking and Financial Services ?  It is a very crucial question for a graduate and postgraduate students in 21st century. People who are pursuing B.Com and M.Com / B.B.A / MBA are facing a big problem how to reduce gap what talent required in corporate world and what they have. Very hard to reduce this gap but some time its required more efforts from students side. Only academic degree is no more relevant until you don’t have sufficient experience or some crash courses in any areas. ISFM – Best Stock Market School in Gurugram conducted a session on ” How to Make Career in Stock Market” for DPG College students. Mr. Sushil Alewa and Mr. Dinesh Gupta discuss with students and guide about financial market. If you want to download full ppt use in this seminar, click below : –  Stock Market Mechanism & Career_DPG_Gurgaon ppt Photos of Seminar  : – 

book  *Dohanomics* written by Mr. Vinayak Sapre. The writer has beautifully correlated the dohas of *Sant Kabir & Rahim* as to how investor should behave  while investing their hard earned money. 1. Make Your Portfolio Meaningful *साधु ऐसा चािहए, जैसा सूप सुभाय ।* *सार – सार को गिह रहै, थोथा देई उड़ाय ।।* When the market is on the upswing, i.e. when everybody on the street is over optimistic. After falling prey to greed, people realise that they have accumulated many stocks or instruments which are of no use and by that time the market also tanks. At this hour, they need an advisor who can clean up their portfolio and align it to their needs and help them to get rid of bad investments they made following the herd.It is very important to have a trustworthy, knowledgeable and competent advisor. 2. Patience is the key *धीरे –धीरे  रे  मना, धीरे  सब कु छ होय ।* *माली सीचे सौ घड़ा, ॠतु आए फल होय II* This is one of the most important aspects of successful investing. When one is investing in equity markets or equitymutual funds one needs to have a long-term horizon. By pouring a lot of water on a plant at one go, you can’t expect fruits immediately, it will come only in the season, till that time you will have to keep watering it regularly. Systematic Investment Plan (SIP) is a good way of investing for retail investors. Not only does it inculcate the habit of regular investing, it also makes an investor more disciplined. 3. Plan for the retirement *माँगन मरण समान है, िमत माँगो कोई भीख ।* *माँगन से तो मरना भला, यह सतगु की सीख II* The most ignored financial goal amongst Indians is retirement. People don’t realise the importance it should be given. Most old people they see around them today are pensioners and not too dependent on their children. This will not be the case, going forward as more and more people are forced to or choose to retire before the age of 50. This results in another 30 years of retirement. Secondly, the inflation in medical expenses is very high, therefore, it is advisable to plan for retirement to avoid dependency on others. As Kabir says, “Being dependent on others is equal to dying; if not physically then mentally. 4. On choosing the right advisor *साधु–ऐसा चािहए, जाका पूरा मंग ।* *िवपि पड़े छाड़ै नही, चढ़े चौगुना रं ग ।।* What kind of advisor does an investor need? One who can hand hold the investor during tough emotional and financial situations.  Further, a financial advisor needs to be more engaged with the investor during tough times. The advisor’s efforts during bad times should be four times more than on normal days. *Sant Kabir & Rahim* as to how investor should behave / act while investing their hard earned money 5. Advisor- Friend, philosopher, and guide *साधु आवत देखकर, हँसी हमारी देह ।* *माथा का ह उतरा, नैनन बढ़ा सनेह ।।* An advisor should be dependable. A successful financial advisor often becomes a sounding board for his clients. An advisor is a good coach, a guide, and a great empathiser. It is assumed that a good advisor is like a financial doctor. In fact, a good advisor plays a much bigger role than a mere financial doctor. 6. Attaining financial freedom enables you to pursue your passions and live a meaningful life. *चाह िमटी, िचंता िमटी मनवा बेपरवाह ।* *िजसको कु छ नही ं चािहए वह शहनशाह II* The investor should try to achieve a state of financial freedom. This is a state wherein one feels like a real king. When someone doesn’t have any more dreams to achieve, there is no peer pressure. One can live life the way one wants to. Such people feel like ‘The true King’. It’s always better to focus on the goals of life and enjoy every bit of it. People who plan their financial lives well generally start planning very early. 7. Do not procrastinate *काल करे  सो आज कर, आज करे  सो अब ।* *पल म लय होएगी, बर करे गा कब ।।* When it comes to taking action on health and wealth, people tend to procrastinate and postpone it for tomorrow, which very often never comes. Sant Kabir says finish tomorrows work today and today’s work at the current moment because one doesn’t know when one will fall on one’s deathbed. We are born with a purpose. Let us not waste any opportunity procrastinating. People say *दुघटना से देर भली, लेिकन यहाँ देर ही दुघटना है ।

SEBI’s New Peak Margin rules from 01-09-2021 SEBI margin rules explain in layman’s language-SEBI has changed some rules related to margin and trading.1) Buying and selling of shares will Require Upfront margin from now onwards.Eg: If you want to buy Adaniport shares worth 1lakh, you must have 20k Rs in your account as cash and the rest money to be paid within 2 days…Major Change If you want to sell 1 lac worth of Adaniport shares from your holdings for that scenario also you must have min 20k rs in your account. Failing which penalties will be levied.Read Carefully… Selling from holding will also require Upfront margin in cash (Var+ELM).You can keep extra cash or can pledge other holdings for the stipulated margin required.2) Shares bought today cannot be sold Tomorrow.Implications: BTST ClosedEg You bought Adaniport On Monday. You can only sell those shares after receiving the delivery of shares. T+2 you can sell on Wednesday.You can only sell the shares after you receive in Your DP/only after receiving the delivery of shares.3) Shares Sold Today from delivery….. the funds cannot be used for new trades today. You can use the funds for new trades the next day.Eg:  You sold 100,000 Rs worth of Adaniport’s shares today.You cannot use this money to buy fresh shares of other companies. No changes In options and Futures Rules for Now Till further Notice. Morale of the rules change : – Intraday trading practice which is reason for maximum loss of the trader is not going to end and brokers lobbywhich provide extra limit to the client just to shake of brokerage now get in problem.ISFM – Best Stock Market School recommended swing trading which is good for all segment of the market. Now learning is best for earning.

Stock Market is most happening place in the world. So don’t blink your eyes while investment. Investing in others business also is a business. Giants company in market always having a research and development department which keep eyes on new startup and acquired them on time to time so that no one can replace them in market. Whatsapp was the excellent example acquired by Facebook and many more if you will search. ISFM Best Stock Market School has discover top 6 new age company which might be new multibagger in future. Everyone who is interested earn money from stock market must have to know about these companies. Affle India : – Affle is a leading digital-advertising services provider. It operates through two business segments. The first segment is he consumer platform wherein it provides services like acquiring new consumers through mobile advertising, targeting existing customers to complete e-commerce transactions and converting online engagement into in-store walk-ins through online-to-offline (O2O) services and earns the majority of  its revenues. On the other hand, its second business segment is the enterprise platform. Under this segment, it provides end-to-end solutions to enterprises so that they can enhance their engagement with mobile users. What sets the company apart from others is its presence across the digital-advertising value chain, spanning from the data management platform to the collection of  users’ data on their preferences, to the demand and supply sides of  advertising and fraud detection. In today’s world, mobile advertising has gained prominence, as it enables businesses to increase their sales. This has resulted in some marquee customers as its clients. Affle has run mobile advertising for some of  the largest e-commerce and mobile apps, such as Amazon, Flipkart, Zee, ALTBalaji, Johnson & Johnson, McDonald’s and Axis Bank, to name a few. Why Affle is important for investors: – Affle is the only listed company in India in mobile advertising. The company is a leading player in ad technology, which is one of the largest growing markets in India. 25% of in internet users in India are shopping online (source: the company’s RHP), which has increased digital ad spend, thus generating the demand for this new-age businesses. 2. CAMS : – Incorporated in 1988 in Madras, Tamil Nadu, Computer Age Management Services (CAMS) is the largest registrar and transfer agent (RTA) for mutual funds in India. It offers transaction management, bookkeeping and other value-added services to its clients and is deeply integrated into the mutual-fund ecosystem, which makes it difficult for its clients to change service providers. It serves four out of  the five largest mutual funds and has expanded its market share by around 10 percentage points over the last six years. Why Cams in important for investors : – The company effectively operates in a duopolistic market in which it is the leader by a large margin (it has a market share of 70 per cent). It is also the only player in this market to be listed on stock exchanges. It came out with an IPO in September 2020. The mutual fund industry is extremely underpenetrated and the company stands to benefit from the expected long-term increase in the proportion of financial assets as a part of  the overall savings. 3. CDSL: – Central Depository Services (India) Limited (CDSL), which started as a subsidiary of  the Bombay Stock Exchange, is a securities depository. It is the backbone through which many depository participants (DPs) offer dematerialized (demat) accounts to investors. It offers a variety of  services, including securities dematerialization, taking care of  KYC norms, processing of  corporate actions and other value-added services to both investors and corporates. Owing to SEBI’s regulations, the promoter’s stake (BSE) has come down to 20 per cent and the rest is held by other institutional and non-institutional public shareholders. Why CDSL is important for Investors : – The business model was established following the passage of the Depositories Act in 1996 and this specific model doesn’t exist in many places across the world, most notably in the U.S.A. The company is operating in a duopolistic industry and given the highly regulated nature of the industry, it is very likely to remain so. It is the only listed company in this space : – 4. India Energy Exchange : 4. India Energy Exchange : India’s first and largest power exchange, IEX provides a nationwide, automated trading platform for the physical delivery of  electricity, renewable energy certificates and energy-saving certificates. IEX brings together the buyers and sellers in power trading. It provides the platform for buyers and sellers of  power and earns transaction fees. Buyers of  power include distribution companies (DISCOMs), large retail consumers and industrial consumers. On the other hand, sellers of  power include power- generation companies, independent power plants, captive power plants and discoms. Its primary revenue sources include transaction fees (account for 84 per cent of  revenues) and annual subscription fees (5 per cent of  revenues). Since the commencement of  its business in 2008, the trading volume on its exchange has been increasing at a staggering rate of  over 32 per cent CAGR. The exchange platform enables efficient price discovery and increases accessibility and transparency of  the power market while enhancing the speed and efficiency of  the trade execution. At present, only two companies are engaged in the business of  power exchange – IEX and Power Exchange India Ltd. (PXIL). Why it is important for Investors : – IEX is the undisputed leader with a market share of 95 per cent in India and enjoys a near-monopoly in its business segment. It is the only listed power-exchange company. Power exchange is a relatively new business in India, with IEX being the first to commence operations. 5. Indiamart :- The company runs a business-to-business (B2B) e-commerce portal that connects buyers and sellers in the wholesale business segment. It uses a subscription model to derive its revenues from sellers who wish to list their products. Besides, it offers a host of  other value-added services such as advertisements, cloud telephony, CRM,

In the past few days, one of the modern-day crises has been flashing on the world media, i.e power crisis or the coal crisis. Coal happens to be the commonly available fossil fuel resource, which acts as a backbone in the electricity supply globally. In addition, Coal also pays a major contribution towards the production of steel, concrete, and paper. Mr. Sachin Gupta, Associated trainer with ISFM – Best Stock Market School have collected some important point that every have to know. The worldwide crisis was recognized in the past month, where some countries like the UK witnessed the cold season in summer, which pushed the demand for gases and as a result, UK switched on its old power plants. Consequently, the demand for coal soared very rapidly. The basic rule of economics played its trump card and the prices of coal skyrocketed at their 13-year higher level in Europe. Big Shot witnessed a larger Impact: The world’s major producers like China and India have recorded larger impact of the crisis. The fun fact is both countries are the leading consumer and importers globally. China has recently decided to ban its import of coal from Australia to reply to the Australian Governments demanded inquiry on the evolvement of COVID-19 from China as well as its shift from thermal energy to renewable energy in order to match their climate goal. When it comes to India, during 2019-20, approximately 73% of Coal used by the country was their own, and the remaining ~27% was imported. The crisis in the country was mainly due to the following: The lockdown in the past year led by the global pandemic, which resulted in a reduction of power demand. After the withdrawal of lockdown in 2021, the economy is reviving and witnessed a rise in power demand. There is a low supply of coal as compared to demand due to reduced import by India, owing to higher coal prices globally. Lower production of coal, caused by the extended monsoon season, resulted in flooding and waterlogging in many coal mines. The Central government also stated that some state governments has not maintained ample stock levels before the onset of the monsoon. Impact of Coal Shortage: As of result of the shortage of electricity to the industries, the economic reopening could be hampered. Some of the businesses may downscale their production. Future Steps: The coal companies are working consistently to raise output from mines and GOI (Government of India) is also trying to strengthen the supply by bringing more mines into operation. Citizens of the country are required to gradually shift them to renewable energy from thermal energy in order to battle against the limited resources. As per the latest interview by the management of Coal India Limited, the current scenario is likely to end in the later days of October 2021. Companies to be Benefited from the Circumstances: The Rising demand for electricity has charged up the power sector of India and as a result, Indian Energy Exchange, Tata Power, and Torrent Power have gained in the past week’s trading session on the Indian Securities market.

Good bye to 2021 and warm welcome to 2022. Being a investor we believe economy must grow at good path and we can earn handsome ROI on your investment. But last 2 years was very critical condition for portfolio but any how we survived. ISFM Best Stock Market School always try to finding the best stock for our students, We also disclose the methodology so that it can help you in future. We have identify 5 stocks for 2022 which can give u better return if you invest and stay with them. 1. Aarti Industry : – Involved in manufacturing speciality chemicals and pharmaceuticals, Aarti Industries has over 200 products and serves 400 customers worldwide. Of  its 20 manufacturing plants, 15 plants manufacture speciality chemicals and five plants manufacture pharmaceuticals. The company is one of  the top three global players for Nitro Chloro Benzene (NCB) and Di-chloro Benzenes (DCB). It has backward integration for most of  its APIs. Aarti Industries earned around 83 per cent of  its FY21 revenue from speciality chemicals and 17 per cent from pharmaceuticals. Thanks to its global presence, the company earned 44 per cent of  its FY21 revenue from exports. Over the last five years, its revenue and profits have grown by 8.4 per cent and 14.8 per cent, respectively, thereby helping its share price grow by a solid 41 per cent. Given the tailwinds in the speciality-chemical industry, it has planned to invest around `2,500–3,000 crore in its chemical operations and `350–500 crore in its pharma operations during FY22–FY24 to add over 40 products to its chemicals segment and over 50 products to the pharma segment, thereby increasing its overall operating margin. With China losing its dominance in manufacturing speciality chemicals, Aarti Industries’ leadership and scale will help it expand its business rapidly in the next few years. 2. Tech Mahindra : – This information technology (IT) services and consulting firm was founded as a joint venture between Mahindra & Mahindra and British Telecom in 1986. Later, British Telecom sold its stake to Mahindra & Mahindra. Its service offerings include network services, engineering services, platforms, security, digital marketing and customer experiences, business process services and IT. The company is a trusted transformation partner for several communication-service providers, telecom-equipment manufacturers and independent software vendors. Hence, the growing adoption of  5G is believed to augur well for the company. Tech Mahindra already boasts of  designing, building, testing and operating the world’s first 5G end- to-end cloud-native platform for a Japan- based Tier-1 carrier. While 5G for telecoms is likely to drive the company’s near-term growth, 5G for enterprises would take some time to be its growth driver. Unlike its competitors Infosys and Tata Consultancy Services that operate in the operating-expenditure- related business, Tech Mahindra is involved in the capital-expenditure-related business. This gives the company a competitive edge in the 5G world. As revealed by a Sharekhan report, this IT and consulting firm is poised to benefit from an open 5G network (a market opportunity of  $40–50 billion), network on the cloud ($8–10 billion), cognitive- managed operations ($10–15 billion), digital-operating support system ($5–8 billion) and enterprise-network modernization (greater than $50 billion). 3. Praj Industry : – The growing demand for ethanol has paved the way for sugar companies to capitalise on this opportunity. Besides, some other companies, for example Praj Industries, are likely to benefit from this trend. Established in 1984, the company is involved in providing technologies and solutions that are used for the production of  biofuels, such as ethanol, biodiesel, compressed biogas (CBG) and other biofuels. A leader in its industry, Praj Industries commands a market share of  60 per cent. Its product portfolio comprises bio-energy plants, high-purity water systems, zero-liquid discharge plants, breweries for alcohol, among others. It is one of  the few companies in the world that develops second-generation ethanol technology. This technology primarily uses rice and wheat residues, cotton stalks and cane trash for the production of  ethanol. Apart from domestic clients, the company has customers in more than 75 countries and its technologies are used to produce 8 per cent of  the global ethanol production. At present, India’s capacity to produce ethanol is pegged at 784 crore litre, which is expected to double in the next five years to cater to the growing ethanol demand. All these are likely to increase the demand for the company’s products and services. Besides, ethanol blending has also been mandated in many countries, including Brazil, the US, the European Union, China and Thailand, to name a few. So, there has been a consistent uptick in the inquiries and order intake for the company. In Q2 FY22, the company report 4. Jubli Food Works : – One of  the largest food-service companies in India, Jubilant FoodWorks holds the exclusive rights to develop and operate the Domino’s Pizza brand in India, Sri Lanka, Bangladesh and Nepal. It also holds exclusive rights for the Dunkin’ Donuts brand in India. Jubilant has a presence in the Chinese cuisine segment through its in-house brand ‘Hong’s Kitchen’ and has recently added biryani to its portfolio by launching the ‘Ekdum!’ brand. As of  September 2021, the company operated 1,435 Domino’s Pizza restaurants across 307 cities in India. Jubilant intends to be a food-tech powerhouse, as evident from the launch of  its analytics and insights division in FY21. The division works with product and engineering teams to strengthen the company’s digital capabilities. Besides, it is looking to invest in technologies to improve customer and employee experience and reduce inefficiencies in its supply chain and store operations. Given that the company already operates on a comparatively large scale, the ongoing digital transformation is likely to add to its moat. Further, being a cash-rich company, it has been able to diversify its business into adjacent verticals to keep up the growth momentum. Despite the rise of  aggregators, a majority of  Domino’s online sales are generated on its own platform, with its app being downloaded at a staggering rate. This enables the company to gain