Defining financial management and corporate finance, shared that financial

management is about adding financial value to the organization and they carry out one
of the three financial decisions namely, investment, financing and risk management,
Corporate Finance deals with corporate structure of the organization, also brought in
balance of business approach, learnt hurdle rate, IRR and WACC
 In a discussion on real assets and financial assets brought in concepts of ROA,
collateral, utilization factor for real assets, accretive nature of financial assets. Pointed
out that real assets are useful when used for giving services/production and financial
assets have low carrying costs
In a discussion on IV and market value, pointed out that market value is always futuristic
and forecasted in nature that is if an organization is implementing a major expansion the
intrinsic value reflects the associated real asset value but market value factors in the
probable increase in production due to capacity addition and the resultant increase in
revenues. We can infer that intrinsic value is present actual value of the organization
whereas market value takes in to account many factors like time value of financial
assets, demand and supply of shares, industry forecast and so on
In several discussions about business ethics and shareholders wealth maximization
concluded that both are not against each other but ethics should be used as corner
stone and organizations should strive for stakeholder’s wealth maximization, quoted
examples of HINDALCO’s MD and brought in operational efficiency, planning, execution,
communication with stakeholders as variables in this regard
In several discussions on TVM shared with examples on reinvestment risk and
importance of knowledge of TVM in investment and financing decisions for mangers
In a discussion on money markets and capital markets noted that organizations
approach money markets for short term cash flow management while they offer
stocks/debentures for long term capital requirements, pointed out ownership difference
and cost of funds
In my post and various discussions on Fintech noted that it has helped transform
financial services in India, gave example of BHIM, Google Pay, Amazon Pay and Phone
pay, ARQ of angle broking and chat bots of AMC like HDFC and many more. Also
brought in impact of COVID in fast pacing of fintech initiatives by many years
Defined EMH by Eugene Fama and based on that theory looked in to Indian stock
markets and posted detailed analysis how our markets are inefficient with an example of
index weightage of NIFTY50 and conclude that market can be efficient for few
companies and less efficient as a whole, also discussed about requirement of robust
disclosure mechanisms, impact of liquidity on market inefficiencies