CJ FinTalks

Personal Finance • Investing • Wealth Building
Deep dives into the markets & macro trends.
Strategy over Speculation.

[CJ FinTalks @cj_finTalks]

The Indian middle class is great at saving.
Terrible at investing.

Not because of lack of money.
Because of lack of patience.

I write about the long game.
Frameworks to think clearly about money, built for middle-class investors who are tired of the circus.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

DAM Capital initiates coverage on #SHILPAMED with a Buy and ~30% upside target.

The oncology and specialty pharma play is expected to deliver 22% Revenue CAGR, 29% EBITDA CAGR and 32% PAT CAGR over FY26-29E.

High-margin pharma is starting to shine.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

India's PCB story is quietly becoming a manufacturing success.

PCB exports to China surged 40x to $1.5B in FY26, with total PCB exports touching $1.9B.

A rare India-China trade reversal, driven by PLI, ECMS and rising domestic value addition.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

SG Finserve keeps delivering.

Q1FY27 loan book jumps to ₹4,551 Cr, up 82% YoY and 16% QoQ.

Strong growth momentum continues with another quarter of healthy expansion.

#MoneyMattersWithCJ #sgfin #sgfinserve

[CJ FinTalks @cj_finTalks]

GMDC back in focus.

Reports suggest the government could soon unveil incentives to boost domestic rare earth production.

If executed, it strengthens the long-term investment case for India's rare earth ecosystem, with GMDC among the key names to watch.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Ather Energy can be dark horse in the race.

Keep it in watchlist.

#EV #MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Delhi's new EV policy could create long-term winners beyond just automakers.

My Top 3 beneficiaries:
• Mahindra & Mahindra: Leader in electric autos

• Bajaj Auto: Strong EV auto + 2W portfolio

• Exide Industries: Battery demand rises

#MoneyMattersWithCJ #investing #EV

[RedboxGlobal India @REDBOXINDIA]

ONLY ELECTRIC AUTOS TO BE REGISTERED IN DELHI FROM JAN 1 NEXT YEAR, E-TWO WHEELERS FROM APRIL 1, 2028 UNDER NEW EV POLICY: OFFICIAL.

#breaking

[CJ FinTalks @cj_finTalks]

For decades, Indian IT won by executing global projects.
Now it's winning by acquiring global companies.

Persistent's €1.1B acquisition of Nagarro isn't just another M&A deal. It's a sign that Indian IT is becoming a global consolidator, not just a global outsourcing hub.

[India Plus @india_plus_]

🚨 India's Persistent Systems to acquire Germany's Nagarro in a €1.1 billion deal,

Creating a $2.9 billion AI-led IT services group with over 46,000 employees.

[CJ FinTalks @cj_finTalks]

𝗠𝘆 𝟯 𝗕𝗿𝗲𝗮𝗸𝗼𝘂𝘁 𝗣𝗶𝗰𝗸𝘀 𝗳𝗼𝗿 𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸

MOTHERSON: Basing Pattern + Tight Range Breakout

BHARATFORG: Tight Range Breakout at Higher Levels

LALPATHLAB: Cup & Handle + Tight Range Breakout Soon

Not a buy/sell reco.
#MoneyMattersWithCJ #swing #investing

[CJ FinTalks @cj_finTalks]

@plotankar499 I haven't seen anything yet that directly links this announcement to BCC Fuba. But it's definitely another positive step for India's PCB ecosystem. If domestic electronics manufacturing keeps expanding, players like BCC Fuba could benefit over time.

[CJ FinTalks @cj_finTalks]

Few interesting companies that make PCB's

Avalon
BCC Fuba
Kaynes Technology
Sahasra
Syrma SGS Technology

Which ones are you holding or are in your watchlist?

#investing #pcb #moneymatterswithcj

[CJ FinTalks @cj_finTalks]

@REDBOXINDIA Don't confuse an AI stock correction with AI failing.

Markets punish excessive valuations. Technology keeps evolving.

#investing #aibubble

[CJ FinTalks @cj_finTalks]

Headline: Vikran Engineering bags a ₹3,518 Cr order.

Reality: Order is from its own wholly-owned subsidiary (NOPL Solar Projects).

That doesn't make it fake. But it also isn't the same as winning a ₹3,518 Cr third-party order.

Read beyond the headline.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Weekend Stock Analysis: P.E. Analytics

High-quality SME. Strong financials. Transformation underway.

The market sees a small real estate research company. The thesis is an enterprise data & AI platform.

AI-assisted + human judgement.
Not investment advice.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Weekend Stock Analysis: Vedant Fashions (Manyavar)

Elite business. Growth under observation. Category leader.

The key question: can Mohey and SSSG revive double-digit growth?

AI-assisted + human judgement.
Not SEBI registered. Not investment advice.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Patience without understanding is suffering.

#investinggyan #compounding

[CJ FinTalks @cj_finTalks]

India-UAE talks for BrahMos missiles and Akashteer could be another major win for Indian defence exports.

Big news for BDL!

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

#cred #whatapp #meta #kunalshah

[CJ FinTalks @cj_finTalks]

Meta invests $900M in CRED at a $4.5B valuation.

And Kunal Shah takes over as Global CEO of WhatsApp.

From building one of India's most influential fintechs to leading a product used by billions worldwide.

What a leap #KunalShah!

#MoneyMattersWithCJ #IndiaInc

[CJ FinTalks @cj_finTalks]

Parliamentary panel backs the ₹8 lakh crore tap water mission.

Direct beneficiaries:
VA Tech, EMS, Ion, KSB, Kirloskar Brothers ,Welspun

From water supply-recycling to desalination and smart water management, the sector could see a long runway of growth.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Weak monsoon fears are back.

As rainfall uncertainty rises, governments and industries are likely to accelerate investments in water treatment, recycling, desalination and efficient water usage.

Watchout Water Recycling & Water Management stocks closely.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Additionally,

Irrigation, pumps, water transmission and farm efficiency could emerge as the next beneficiaries as governments push to maximize output with limited water resources.

#MoneyMattersWithCJ #Monsoon

[CJ FinTalks @cj_finTalks]

India has just 8% AC penetration.

Japan: 91%
US: 90%
China: 80%

Yet India is the hottest among them.

Urbanization, extreme summers and aspirational demand could make air conditioning one of India's biggest consumption stories over the next decade.

#MoneyMattersWithCJ

[CJ FinTalks @cj_finTalks]

Proxy ODM plays in the AC segment:

• Amber
• PG Electroplast
• EPACK Durable

They benefit from overall AC demand and manufacture for brands like Voltas. Often, ODMs see strong earnings growth and rerating before branded players.

No Buying Reco
DYOR

#MoneyMattersWithCJ

[ASAN RESEARCH @Asan_research]

Instead of looking for AC companies,
Focus on Proxy companies in this segment.

They will post best ever results and market discounts in advance

[CJ FinTalks @cj_finTalks]

GRSE earns Navratna status.

A major milestone that unlocks greater operational freedom, faster decision-making, & enhanced financial autonomy.
Strong validation of its strategic importance in India's defence and shipbuilding ecosystem.

disc: invested

#MoneyMattersWithCJ #grse