Snippet of Moneybhai account

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1. ACC - ACC has a beta of 1.05, which indicates that it is marginally aggressive and
reacts according to the stock market movements. The company has kept no debt on its
balance sheet for the last five years. This keeps their interest obligations. The company
has also been earning good profits, which it reinvests in the business. The company
beat its 3-year CAGR of 3.03% on revenue and gave 16.82% for the same in FY22.

2. Ambuja Cements - Ambuja Cements beat its 3-year CAGR of 3.5% on revenue and
gave 17.43% in FY22. It also has a beta of 1.46, indicating that it is aggressive in terms
of returns compared to the stock market.

In recent news, Adani Group picked up a stake in Ambuja and ACC and became the
second largest cement player. The Adani Group is looking to double its cement
manufacturing capacity by 2030 to 140 million tonnes per annum. We believe that this
pickup from a large corporation will lead to major upsides in ACC and Ambuja Cements.

We also chose to invest in these two stocks because of the growing relevance of the
cement sector and were convinced by the growth potential of India’s consumption in the
same. We know that India is the second largest producer of cement in the world but is
currently underrated in per capita consumption.

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3. Vedanta - Vedanta has an excellent PE Ratio of 5.49 and EPS of 51.11. This indicates
its growing relevance as a highly valued stock. Vedanta is also giving a constant
dividend yield of 16.03%. This keeps the investors invested in the business and
increases buying sentiments in the market. The company’s beta is valued at 1.87,
indicating that it is a very aggressive stock and posits higher return potential (apart from
higher risk potentials).

The recent news regarding the Vedanta-Foxconn project of setting up a semiconductor

plant in Gujarat. We felt that this project will lead to a great upside in its stock price and
went ahead and bought the majority of our funds on the same. It gave us profits on a
two-day period but incurred losses after the following days. This was due to uncertainty
in the project follow-through by the involved companies. But since the project is certain
to happen in the near future, we feel that holding onto the stock will give us higher profits
in the long run.
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4. Adani Wilmar - Since its IPO, this Adani company’s share prices have risen
significantly. From a price band of ₹218 to ₹230 during its IPO to now being ₹803. The
company's annual revenue growth of 46.22% outperformed its 3-year CAGR of 23.17%.
This gave us confidence in the company's stock return potential. Also, the company has
a market cap ranking of 1, so it was an obvious choice. But only for short-term
investment.
Also, coming to macro factors, Since Ukraine is the world's top exporter of oilseeds like
sunflower and soybean seeds, the conflict in the country has driven up commodities
prices globally. The Malaysian export tariff and the Indonesian restriction on the export
of palm oil would further constrain the oil supply. Edible oil prices in India have surged as
a result of the entire issue, which is advantageous for businesses like Adani Wilmar. The
revaluation of unsold goods will result in unexpected gains for the corporation.
Additionally, this circumstance will increase the company's total margins.
The company is overvalued right now because of high investor sentiments regarding
Adani companies. We believe that we will be able to make profits out of it by selling at a
strategic point.

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5. Avenue Supermarts - The company's annual revenue growth of 27.75% outperformed

its 3-year CAGR of 15.58%. Beta is 0.31 thus, even though the share prices of this
company have been rising, it seemed like a low-risk option. It is owned by Dmart, which
raises investor sentiments.
Also, according to us, the share price of Avenue Supermarts is increasing. Positional
investors should see any decline in the stock as a buying opportunity because it has
good support at levels of $3650 a share. This stock has some slight resistance near
$4200, but if it can overcome this obstacle, it might quickly rise to $4500 per share within
the next two months. And Avenue Supermarts recorded a roughly 490% YoY increase in
standalone net profit at $680 billion compared to Q1FY22's level of 115 billion.
Compared to the first quarter of the fiscal year 2021–2022, the company's operating
revenue increased by more than 93.50 per cent, or about 10,038 crores, from April to
June 2022. So, either holding or buying new stocks of this company was a good option
for us.
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6. Britannia - This company has sentimental value for our group members, and we would
have bought it regardless of its current performance. But we also did some analysis and
concluded that the recent inflation in bakery goods had hit the market hard. Yet,
Britannia is delivering an ROE of 59.6% in the year ending 31 Mar 2022, outperforming
its 5-year avg. of 38.28%. The dividend yields are good, and the Beta is moderate,
raisings investor sentiments. We expect it to rise somewhat in the short term and then
give higher returns as the world economic situation improves. So, we will hold it.
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7. HUL, ITC, Marico, Pidilite India - Clubbing these 4 behemoth FMCG companies, we
concluded that these are highly stable, good growth and lower-risk companies with solid
fundamentals and are market leaders. These companies have good ratios and positive
growth in profitability metrics such as EBIT and PBT. These companies' return on equity
ratios was very high in the years before Covid-19(i.e. Till 2020), due to which these are
highly valued stocks. But current macroeconomic trends have made them more buyable
as their stock prices have decreased. Usually, this would lead to more exits from the
company, but we believe these companies are perfect for long-term investments and will
see high price rises as the consumption trends increase in the country.
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8. Infosys
Infosys stock is at a point where long-term positional investors must buy. As the dollar
index has once again risen to a record high following the hawkish US Fed's interest rate
hike, Infosys stocks are in the oversold zone, and a devaluation of the rupee is
conceivable. A substantial rebound in the price of Infosys stock is anticipated because
the rupee's decline is advantageous for Indian IT companies. So, we made an
investment in Infosys.
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9. HCL Technologies
We bought this stock for the future. Currently, the stocks are at a low price but are
expected to rise in future like other tech companies. Also, the macroeconomic trends
work in favour of the company. With ongoing transformation deal wins, a growing
emphasis on ER&D services, and an increasing percentage of Mode 2 business, we
anticipate HCLT to post a good revenu, soe we bought the stocks.
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10. Axis Bank
Axis bank had a Profit CAGR value of 33.54% for the past three years. The share price
has also increased in the last three years and has a beta value of 1.10, a slightly
aggressive share, P/E of 15 and EPS of 52. It has also partnered with Flipkart for big
billion days, where millions of customers will buy products using axis bank cards. So we
bought this stock.
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11. HDFC Bank

From 1995 with a share of Rs. 10 till Rs.1483, HDFC bank had a CAGR of 9.12% in the
last three years and a return on equity of 17% in the last three years. The share has a
beta value of 1.09, a slightly aggressive share, P/E of 20 and EPS of 72, and it is first in
market cap as well. So we decided to buy this stock.
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12. ICICI Bank

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 ICICI bank had a Profit CAGR of 17% for the past 3 years. And it also had an ROE of
16%The share has a beta value of 1.09, a slightly aggressive share, P/E of 22 and EPS
of 41, and it is second in market cap as well. Also, ICICI is also a partner with Flipkart
big billion days. So, we decided to buy it.
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13. ICICI Lombard

ICICI Lombard launched its IPO with Rs. 651 per share, which is now around Rs. 1195.
It had an ROE of 15.36% in the current year. The share has a beta value of 1.02, a
neutral share, P/E of 41 and EPS of 24. The BFSI Industry is currently growing in India.
And the share price also has increased by 5.25% in the past 3 months. So, we decided
to buy this share.
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14. Bajaj Finserv :

The stock has a beta value of 2.16, which indicates it is aggressive and PE ratio of
11.21. Also the company recently announced stock split and bonus share issue. It
currently has an EPS of 82.30. The stock is expected to grow in the future. Hence we
included this stock in our portfolio.
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15. Housing Development Finance Corporation

It is the third largest company by market capitalization. The stock has a PE ratio of 20.79
and a beta value of 1.09 and it also has a good dividend yield(1.04%). Despite the
recent poor performance, there was a 67% return in the last five years.
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16. DLF
The recent results indicate that the company has good quarterly results. It has a beta
value of 1.83. Also the infra loans are forecasted to rise. The Government is estimated to
have a capex spend of 7.5Lakh crore with major focus on infrastructure. Hence the stock
is expected to grow.
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17. M&M (Growth stock)

Our reason to invest in M&M shares is the growth rate of the stock as this company’s
share has risen by 35.13% since the beginning of this year and zoomed 45.53% in a
year.
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18. Paras Defense - This company has heavy backing of the defense sector of our country.
It is largely involved in manufacturing current high-tech defense equipment like drones,
space-optics and optomechanical assemblies which are highly anticipated to boost the
defense industry and thus, increases investor sentiments in the company.

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 Paras Defense share price has shot up from ₹475 per share levels to ₹626.85 per equity
share levels — logging around 32 per cent rise from its listing price. Thus, profit booking
avenues are high. We believe that this stock will soon reach its peak and will become
overvalued, at which point we will exit it to book profits.
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19. Hindustan Aeronautics Ltd. - Again, as for Paras defense, this company is also heavily
focused on Aerospace and drone contracts and with the recent increase in defense
budget allocation and increase in recruitments, the company is expected to have high
growth. It is also recommended by NBFC.

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20. Bharat Electronics - The company has shown growth in q12023 earnings and has
started 2023 on a strong note. We bought this stock to perform intra-day trading on it
and sell it during that time to make profits.
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21. Coal India (Recent growths, Increase demands)

We choose this stock because of the recent growth seen in:
● Dividend yield of 8.47%
● ROE track record of past 3 years is 53.91%
● Healthy dividend payout of 56%
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Intraday Buys:
1. Adani Power - We bought it at 387.2/share and sold it at 395.5/share. We booked a
profit of about 2075. The high investor sentiments towards Adani group companies. The
huge expansion plans and Capex by Gautam Adani into various energy sectors. The
strong rise in the share price trends and strong company fundamentals made us believe
that we could book profits for intraday tradings.
2. HDFC Life - HDFC released a statement about increasing the size of its loan book and
at the same time streamlining its credit policies. This incentivized us to buy the stock the
next day for intraday purposes.
3. Ambuja Cement - It was confirmed that Adani group was buying the stocks of ACC and
Ambuja Cements. We thought of doing intraday trading on Ambuja Cements the next
day. The stock surged by 10% that day.

Future investment plans:

- We have held onto some of our funds because we believe that investing some of our
cash in lower-risk securities like ETFs, Gold and Silver and Government bonds as well
as in some long-term securities like Mutual Funds, Index Funds and Hybrid funds would
be a good investment strategy as the market revives itself.

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