Nitin Jogad

Thinking in public about business, capital & life. Building, learning, investing. Bangalore.

[Alphamojo @Alphamojo1]

📉 ₹1 Lakh Invested 5 Years Ago... Here's What It's Worth Today

• Infosys → ~₹77,000
• Relaxo Footwears → ~₹60,000
• Dabur India → ~₹83,000
• Hindustan Unilever → ~₹90,000
• ITC → ~₹75,000
• Asian Paints → ~₹85,000
• Avenue Supermarts (DMart) → ~₹89,000
• Bajaj Consumer Care → ~₹70,000
• Emami → ~₹78,000
• Page Industries → ~₹82,000
• Berger Paints → ~₹85,000

💡 Key Takeaway:
Even well-known and fundamentally strong companies can deliver disappointing returns over certain periods. Investing isn't just about buying great businesses—valuation and timing matter too.

⚠️ Past performance does not guarantee future returns.

[Nitin Jogad @Nitinised]

@AimInvestments Yes

[Amit Arora 🇮🇳 @GuruShareMarket]

#BIGBREAKING 🚨

If you are frustrated with Indian markets, ZERODHA, GROWW, ANGEL ONE & UPSTOX have secured the nod to offer international and US stock investing through GIFT CITY.

Hopefully in 3 months, we'll be able to lose money in International markets too

@grok Verify fast

[Nitin Jogad @Nitinised]

@DKShivakumar Sir as you are at helm of our state now, humbly request you to fix the broken infra of our Bengaluru.

The below images and videos are from Kanakpura main road and this is state of almost every road in this part of city, be it JP nagar, Gublala, Subramanyapura, Vasanthpura, Near iskon south. Hoping for some change now.

@BBMPSWMSplComm @bbmpcommr @GBA_office @GBAChiefComm @blrcitytraffic @BlrCityPolice @Jointcptraffic @peakbengaluru @CPBlr @tv9kannada @nitin_gadkari @_kanakapuraroad @kiranshaw @nikhilkamathcio @Nithin0dha @TVMohandasPai @deepakshenoy @BJP4Karnataka @DHFWKA @CMofKarnataka @INCKarnataka @KarnatakaVarthe @DgpKarnataka @KarnatakaWorld @peakbengaluru @bangalore_pulse @IIM_Bangalore @BangaloreMirror @bengaluru @DrParameshwara @PriyankKharge @KJGeorgeOffice @thekjgeorge @eshwar_khandre @ajayrotti @narendramodi @RahulGandhi @News18Kannada @kprabhanews @KannadaPrabha @kharge @deepikapadukone @NandanNilekani @JanhaviNilekani @jshilanjanm @startupindia @PMOIndia

[Nitin Jogad @Nitinised]

Mallcom manufacturer of PPE, shoes, gloves PU & NBR, etc.

MCAP - 620 CR
Sales FY26 - 539 CR
PAT - 30 CR
PE - 20.6

Has been struggling in FY 26 due to tariffs and volatility in raw materials.

Sales
Exports - 58% (primarily OEM model, white label)
Domestic - 42%

Two new plants came online: a workwear and hand-protection factory in Gujarat (PROTECH, ₹100 Cr capex), and an industrial safety shoes unit in West Bengal (₹25 Cr capex). Both are now commercially operational. Both are in utilization ramp.

They had give discounts for export sales due to weaker demand and various factors such as tariffs, war, fuel, raw materials. But overall business is solid and moat is good, just macro not supporting, hopefully things will change in FY 27 and Revenue will expand due to new plants and utilisation.

Overall I feel its at a bottom considering 52 H - 1520 and 52 L - 929. And Europe deal will accelerate growth. Fingers crossed.

[India Weekly @india_weekly]

Mallcom bets on ‘Make in India’ with $10.47 million investment in new Gujarat PPE hub

#MakeInIndia #Mallcom #Gujarat #PPE #Manufacturing #IndianIndustry #AtmanirbharBharat

https://t.co/tDk05ExvrD

[Nitin Jogad @Nitinised]

Tolins Tyres - CMP 101, valuation wise good.

Revenue FY 26 - 327 Cr
PAT FY 26 - 36 Cr
PE at CMP - 11
MCAP - 396 Cr

Retreading revenue - 68% to 70%
Tyres - 30%

Recent reduced debt, Apollo Tyres contract of 3 years for PCTR + Cushion Gum essentially retreading material.

Working capital requirement ballooned. Needs patient capital to see few quarters and add more on improvement. 52W high 202. Promoter holding 68%.

[The Cloaked Gaze 👀 @gaze_observer]

Tolins Tyres Ltd Q4FY26 Results:-
#Q4Results #Q4FY26 #Stockmarket #Nifty #Tolinstyres

Revenue 77.99 Cr vs 69.53 Cr
(+12.17% YoY┃-16.40% QoQ)

EBITDA 11.22 Cr vs 13.57 Cr
(-17.27% YoY ┃-20.94% QoQ)

EBITDA Margin 14.39% vs 19.51% YoY & 15.22% QoQ

PBT 11.00 Cr vs 13.00 Cr
(-15.39% YoY┃-13.43% QoQ)

PAT 8.94 Cr vs 9.28 Cr
(-3.67% YoY┃-14.80% QoQ)

Other Income 0.94 Cr vs 1.17 Cr YoY & 0.39 Cr QoQ

[Nitin Jogad @Nitinised]

@tushar9590 Pharma and financial services

[Nitin Jogad @Nitinised]

Maheshwari Logistics Business - Diversified small company, name says logistics but only 12-15% revenue from logistics rest from trading of coal+Kraft paper+Mahindra dealership.

Typical lala business nothing wrong works for the promoters or ppl in operations not for investors.

[Nitin Jogad @Nitinised]

When you are riding on your high horse considering yourself invincible, life comes to you while you are smiling and it looks into your eyes and gives you a tight slap.

Then you get down on your knees and say: Hello maalik thoda galti ho gayi 😅

Stay humble.

[Nitin Jogad @Nitinised]

Would you buy a ticket to your life?

If your life were a gallery and someone walked through your weeks the way they’d walk through an exhibit, would you buy a ticket?

[Nitin Jogad @Nitinised]

@InvestWithAkhil STOCK MARKET

[Nitin Jogad @Nitinised]

Yes pls send them back, we need them here in India. 😅

[Kaylee Campbell @kaylee_ashlynn]

I’m not gunna lie, when I first saw this I thought it was AI. If it’s true, we have a problem.

[True market Leader @TmarketL]

Game theory

Most people are playing the wrong game.

If you want to get rich, there are only 3 games that actually matter.

Everything else is a distraction

[Nitin Jogad @Nitinised]

FII had just started to believe that valuations are just right about and started pouring in. Trump BKL missile daal diya

[Furkan Gözükara @FurkanGozukara]

This is exactly how Trump will announce ending Iran war very soon let that sink in 😭🤣😂

[Sizwe SikaMusi @SizweLo]

This particular American war was a mistake in more ways than 3

[Rohan Das @rohaninvestor]

A 22 years old investor asked me last week, “What should I do to compound at 40%?”

I paused before answering, because the honest response is rarely the one people want.

I told him this. If you are okay with roughly 13-14% CAGR. Systematic investing into good mutual funds, patience, and time will quietly do the job.

If you want 20% CAGR, the game changes slightly. You still rely on funds, but you become opportunistic. You add more when markets fall, when headlines feel uncomfortable, when SIPs test your conviction. You learn to lean into fear instead of avoiding it.

At 25% CAGR, effort becomes unavoidable. You start tracking what HNI investors are buying. You study small-cap/microcap stocks, read annual reports, and try to understand businesses instead of just owning tickers. You begin forming opinions, not just allocations.

But the moment you say you want 40-50% or more, you should understand what you’re signing up for.

You are leaving the comfort of consensus.

You will buy when others doubt. You will sit through volatility that feels unnecessary and unfair. You will look wrong for long stretches of time. There will be no templates, no ready-made lists, no perfect screeners to hide behind.

At that level, copying stops working. Original thinking begins.

Higher returns are rarely about better information. They are usually about stronger conviction built from your own work.

And very few people truly want that life once they see the price attached to it.

[Bojan Radojicic @BojanRadojici10]

The finance function is evolving rapidly, and AI is at the center of this transformation.
I’ve put together a list of popular AI tools that are making a real impact in finance right now:

📊 Planning & Analysis

Datarails & Cube – Automated FP&A processes
Pigment – Scenario modeling and forecasting
Planful – AI-generated budget scenarios

💡 Intelligence & Insights

AlphaSense – Earnings call analysis
ThoughtSpot – Natural language data queries
Perplexity – Quick market research

⚡ Operations & Automation

Microsoft Copilot – Excel automation
Zeni – AI bookkeeping
Tesorio – Cash flow optimization

🔍 Risk & Compliance

MindBridge AI – Anomaly detection
Fathom – Visual financial reporting

The standout? ChatGPT/GPT-4 remains the Swiss Army knife for finance professionals — from drafting reports to scenario analysis.

💬 What’s your experience with AI in finance? Which tools have made the biggest impact on your workflow?

If you want this infographic in PDF, just drop a comment and I’ll send it to you.
(Important: follow me so I can DM you!)

[Nitin Jogad @Nitinised]

When you have resource and option abundance, decision making become less clearer and to gain clarity you have to go to great lengths and sometime put yourself in extreme positions.