Devansh shah

[Yatin Mota @yatinmota]

Gold loans are no longer a fringe product.
They're the growth engine of India's NBFC space right now.

Short tenure. High yield. Fully secured. Add to this the gold prices over the years that has made the collateral even safer.

For NBFCs expanding margins without blowing up asset quality — it's almost a perfect product.

The numbers back this up. Take the FYQ4 results of Capri Global Capital
AUM up 60% YoY to ₹36,000+ crore.
Gold loans up 111% YoY — leading the growth mix.
PAT up 59% YoY for the quarter, ~2x for the full year.
RoAE already at ~16%, ahead of guidance.

At the same time:
Asset quality improving (sub-1% GNPA),
cost efficiency kicking in,
spreads expanding.

This is a business compounding across every metric simultaneously.
Which brings the valuation debate.

This is where PEG becomes a far more relevant lens, because it adjusts valuation for growth.

A high P/E can look expensive — until you factor in 50–100% earnings growth.
A reasonable P/E can look cheap — until growth slows.

Gold loans aren’t just reshaping lending portfolios, they’re forcing a shift in how NBFCs should be valued.

PPT - https://t.co/jvWq7xdUdN

[The Telegraph @Telegraph]

Scott Mills has been seen in public for the first time since he was sacked by the BBC over allegations of misconduct.

🔗: https://t.co/Yxs5S5RGlc

[Ashwin @PointsPro]

🚨 Converted Platinum Travel to MRCC

After the Amex Platinum Travel devaluation, we feel it doesn't make sense to keep two Platinum travel.

So "upgraded" wife's PT to MRCC. 🥳

Pro rata refund of fees paid on PT is also credited.

And we have two MRCCs now. It is a great voucher card and we will buy 12k vouchers every month and get ~2500 MR points. 👍

[Mumbai Rains @rushikesh_agre_]

29 Oct, 9:30 PM ⛈️ Huge rain bands getting in action.. prepare for a rainy midnight & few showers in morning ⚡ #MumbaiRains

[DealzTrendz @dealztrendz]

Swiggy Instamart Loot :

Search : Kanha Cookies

Sort by: Discount → High to Low

Delhi Available, Check Others

[RedboxGlobal India @REDBOXINDIA]

ISRAEL SAID TO STRIKE HEAVILY ON IRAN

[RedboxGlobal India @REDBOXINDIA]

BIG NEWS FOR RITES

RITES in FOCUS - co Wins Vande Bharat Trains Safety Test Orders*

RITES to undertake safety assessment of Vande Bharat trains

https://t.co/jJWssP88tw

[Devansh shah @devansh_devansh]

@StocksResearch Continue to hold for the same targets?

[Devansh shah @devansh_devansh]

@Cristiano specially travelling from India to watch you play tonight. I'll be a dream come true if I could meet you in person. Please.

[Devansh shah @devansh_devansh]

@realmadriden coming all the way from India for todays match. Would love it if I could get my jersey signed by the payer. Please.