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HDFC AMC FY21 Annual Report Takeaways

'We are the fiduciary to our customers – their interests clearly supersede'

Hit the 'retweet' & help us educate more investors

A thread 🧵👇

 1/ What has helped HDFC AMC to grow this large?

The Trust associated with the HDFC brand.

A one-stop shop for individuals, families, corporates, and institutions when it comes to their investments.

The most profitable Mutual Fund.
2/ Promoters continue to own 73.9% in the company:

52.7% by HDFC Ltd & 21.2% by Standard Life investments.
3/ Numbers that matter

Rev up 3%
76% EBITDA margin
Pat up 5%
AUM up 24% to 3.95 Cr (43% Equity, 39% Debt, 16% Liquid) | PMS & big accounts at 9.7K Cr
53 lakh investors
1254 employees
Digital transactions: 82% of total
13.7% market share in MAAUM & 12.6% in total AUM
4/ Product Portfolio

In Equity, will increase the diversity in their investment style & approach: have faced the brunt of underperformance in the past | 24 schemes

Debt schemes were able to tide through the tough phase of defaults by a large NBFC & HFC, COVID-19 | 68 schemes
5/ Distribution (the 2nd most imp factor after trust)

Increasing service centers (ISCs) & distribution partners

69% of the AUM comes from the Top 5 cities:
Potential to ramp up in the next 100s of cities. This is also due to higher ticket size/person in the bigger cities.
6/ From the desk of the Chairman (Mr. Parekh)

- Explains why 🇮🇳's economy will get back on its growth trajectory
- MF industry reached an ATH of 30lk Cr in AUM: still underpenetrated in terms of AUM/GDP & AUM/deposits
- FPIs being the potential whale clients for Indian AMCs.
7/ From the desk of the new CEO (Mr. Munot)

- 1 in 4 investors in 🇮🇳 is invested with HDFC AMC
- Launched Dividend yield fund & Banking ETF during FY21
- To cover sector/specific themes, international markets, and passive strategies in the next few quarters

His Background 👇
8/ Digitisation is the key: it's important real estate

Multiple initiatives to reach clients: App to WhatsApp chatbot to online portals, E-KYC

The in-house platform caters to 60%+ of direct transactions, grew 21% | Mobile to web ratio now 1:2
9/ Marketing & ESG (a sophisticated form of marketing) Initiatives

- Targetting peeps from all walks of life to create a mindshare
- 1st and only one to date to launch a mutual fund dedicated to a social cause
- One of the youngest workforce with an avg age of 34 years
10/ Statistics to understand the Indian demographics better.

Healthy growth of mutual fund AUM in India: at 20% cagr for the last 5yrs.
11/ The biggest assets of an AMC: its employees:

Must be adequately paid in cash (up 5%) & Esops (Issued at a grant price of 2934/share: a 335 Cr Esop Policy)
12/ The Outlook for the Industry & strategy of HDFC AMC to capitalize on it

Need more clarity from Mr. Munot in the upcoming con calls.

A class company, nonetheless, in a massive growth industry.

End of Thread.
Have not been well versed with how the asset management industry works? No worries.

Key Terms in the industry explained 👇
HDFC AMC Q4FY21 results. https://t.co/BSwIzovqAx
Catch up on what happened last year 😃

'Business Model: funds are raised from investors in different schemes & invested by the company while taking a small cut for the service known as the expense ratio.'

HDFC AMC FY20 Annual Report Takeaways.
https://t.co/4VOdd427mD

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Real Estate Investment Trusts (REITs) Simplified.

A product that provides a fixed income that is better than FD +an upside like equity.

A Thread 🧵👇

1/ REITs are a vehicle to invest in income-producing real estate properties, managed by professionals.


2/ In India, we have REITs primarily focused on commercial real estate properties having 7-9% rental yields.

In listed REITs, Most of the completed properties are pre-leased to big companies.

Why no residential? As yields of 1-3% make them unattractive to investors.

3/ How do you get the benefit of such yield?

REITs have to distribute at least 90% of their taxable income to their shareholders.

All 3 listed REITs trade at 6-7% dividend yield (which is also tax-free)

4/ Moreover, 80% of REITs total value must come from completed & income-generating properties + it must avoid speculative land acquisitions.

What about debt then? There's a restriction there too.
Not more than 49% of the total equity.
REITS , ALL , REIT
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A Thread of our threads on the Business Analysis of specific companies 🧵👇

RT if this adds value to your investing journey.


1/ Chemcon: A specialty chemical company that is a globally dominant player in its molecules, most of which go into the Pharmaceutical industry & have a high criticality attached to


2/ Aegis Logistics: An oil & gas logistics company, with a stronghold on the LPG supply chain & riding the tailwinds of increased exports owning to weak domestic production. Their fight to grow much larger is on, short-term demand problems


3/ Varroc Engineering: An auto ancillary company that has propelled down under its own enterprising projects fueled by a ton of debt. Will the fortunes ever illuminate for this significant participant of the global automobile


4/ Jubilant Ingrevia: A specialty chemical company that has redefined backward integration as it begins from the basic chemicals to achieving complex vitamins & many more. Their fight to outgrow commoditized parts of the business goes
JST COMPANY ANALYSIS
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Rallis India Annual Report Takeaways.

'Launched and promoted 2 botanical biopesticides'

Hit the 'retweet' & help us educate more investors.

A Thread 🧵👇

1/ From the desk of Mr. Bhaskar Bhat (chairman) ✒️

- Talks about how the reforms in the 🇮🇳's sector over the long run: will make it more organized
- Record production of foodgrains this year: 303 million tonnes
- Focus is to increase R&D infra & manufacturing capacities.


2/ Crop care business (83% of rev)

- 10% YoY growth in domestic & 3% growth in exports (incl. CDMO)
- Launched 4 new products in Crop Protection (3 in-house formulations) & 6 new products in Crop Nutrition (2 in Biopesticides)
- Enhanced dealer network by 5%.


3/ 🇮🇳 Crop care

- Formulations was up 14%
- Channel network of 3879 distributors & 48K dealers

Exports Crop care

- Acquired 9 registrations
- Global leadership in most active ingredients
- Adding 2 new manufacturing plants in Dahej & scale-up facilities for CDMO biz


4/ Seeds business (17% of rev)

- 11% growth in rev
- Challenging business environment
- Launched 4 new products
- Sharpening focus on segments having successful products
- Plans to set up new retailer loyalty programmes, combined with a hybrid demand generation model.
RALLIS
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We have completed Takeaways from 20 annual reports, The Latest 10 👇

Nestle 🇮🇳
Reliance
HDFC Bank
Asian Paints
HDFC Ltd
Tata Consumer
Havells
Kansai Nerolac
Syngene
HDFC AMC

Let us know whose AR insights do you want to read next, in the

This is part of our 'One Annual Report, A day' initiative to educate fellow investors & will be further updated as we write more & more threads.

Targetting 100+ 🌋

Hit the 'retweet' on the above tweet & help us educate more investors 🙏

If you wondering from where to get the latest Annual Reports.

@screener_in to the rescue
ANNUALREPORTS
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Saregama India 🎼FY21 Annual Report Takeaways

'India's only entertainment company into Music, Films, Web Series, TV Serials and Retail'

Hit the 'retweet' & help us educate more investors.

A Thread 🧵👇

1/

India’s Largest Music IP - 130k+ Songs
Content IP rights of - 61 Films

Retail Business

Distribution network - 30k+
TV Serials - Content IP rights of 6k+ Hours of Television Serials


2/

To take pole position as a Pure play content company, capitalizing on the global boom in content consumption

IP CREATION OVER THE NEXT 3 YEARS -

20-25% Market Share in New Music
50 New Films and Web Series
1200-1500 Hours of new TV serials content

3/

Monetization of Existing IP

Through licensing to EVERY 3rd party digital and TV platform

Carvaan transitioning from being a Product with only a one-time margin to a Platform with upfront margin and recurring advertising and subscription revenue

4/

Building of New IP

Cementing leadership position with New film and non-film music acquisition across Hindi, Tamil, Bhojpuri, Punjabi, Gujarati, Telugu, and other regional languages.

Producing Thematic films & series, with Story as the only hero, targeted at youth.
LEARNINGS

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Kaushik Akiwatkar
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@kaushikaki
Investment Trigger #HDFCLIFE

Buy above 681
HDFCLIFE
Harinder S Nanda
Harinder S Nanda
@harindersnanda
#HDFCLIFE has come up with its first integrated report ever for the year 2020-21

Tried to cover some insights from the report in this thread 😊🧵

Report link:
https://t.co/UEwyFs6352

@soicfinance @ishmohit1 @suru27 @aditya_kondawar @dmuthuk @itsTarH @HDFCLIFE

Retweet pls 👍🏼

REFLECT :: RESHAPE :: RESURGE
Vision to be the most successful and admired life insurance company, which means that we are the most trusted Company, the easiest to deal with, offer the best value for money and set the standards for the industry. “THE MOST OBVIOUS CHOICE FOR ALL”.


🖊 First private insurance company to get license from IRDA in 2000. Later commenced business in 2001.
🖊 Key strengths include customer centric approach, diversified distribution, balanced product portfolio, Robust risk management and digital capabilities.

🖊 It has a bouquet of innovative protection, pension, saving, investment and health solutions
🖊 20636 employees, 390 branches, 300+ partners and 1lac fin consultants
🖊 4 cr lives insured, new business sum assured 5.76 lac cr, AUM 1.74 lac cr, indian embedded value 26.6 k cr


🖊 Key 2021 figures - Total premium 38.5 lac crore, value of new business 2185 crore, PAT 1360 crore and solvency 201%
🖊 See powerful growth drivers in one of largest and under penetrated market like India. Expect Protection and Retiral segments to grow faster than Savings
HDFCLIFE
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Techno Funda Investing
Techno Funda Investing
@TechnoFunda6
Case Study 10 : #HDFCLife - Medium Term Investing Pick !
CMP – 725.55 (27/6/2021)

(Must read Thread 🧵for #TA & #FA learners)

Fundamentals Sound & Technically Strong Upmove 🚀Candidate!

#TechnoFundaInvesting

@caniravkaria @dmuthuk @Puretechnicals9 @rohanshah619

🙏(Views) 🙏


1⃣ HDFC Life Insurance Company is a long-term life insurance provider offering individual and group insurance services.

#HDFCLife #TechnoFunda #Trading #Investing #StockMarket

2⃣

Company's products meet various customer needs such as Protection, Pension, Savings & Investment and Health, along with Children's and Women's Plan.

#HDFCLife #TechnoFunda #Trading #Investing #StockMarket

3⃣

🌟#HDFCLIFE Technical Analysis🌟

✅Towards end of November 2020 Stock gave #breakout from Inverted Head & Shoulder Pattern.

✅Soon expected to give breakout from Bullish Rectangle Pattern.

✅Technically Stock Should move up to 950 in medium term.

#HDFCLife #TechnoFunda


4⃣

📈Other Technical Triggers📈

✅Strong Momentum 👉:#Price above short, medium and long term moving averages.

✅Overbought by Money Flow Index (MFI)

✅Stock Price near 52 Week High

#HDFCLife #TechnoFunda #Trading #Investing #StockMarket
HDFCLIFE
TradingView India \U0001f1ee\U0001f1f3
TradingView India 🇮🇳...
@in_tradingview
#HDFCLIFE - HDFC Life Long - TradingView -
HDFCLIFE
Steve Nison
Steve Nison
@nison_steve
HDFC Life - for safe traders it is now at bottom of the range for few points. However, a slow counter.

Must have portfolio stock for the long term. Rectangle consolidation after since long.
HDFCLIFE

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