Prabhakar

Indian equities | Fair value & long-term investing | Tech Enthusiasts | Wildlife Photographer | Educational only. Not investment advice

[Prabhakar @tprabhakar88]

@gauravpatil202 Yes. Regret is always part of the investment journey 😀

[Prabhakar @tprabhakar88]

#IndiGrid #InvIT

That’s a 15% capital appreciation for me, plus a 10%+ annual distribution yield!

I still believe InvITs are one of the most underrated investment instruments in the Indian market. With the AI disruption in IT industry, I moved all my REIT holdings to InvITs.

[Prabhakar @tprabhakar88]

@Dominos_UK Instead of “Consumers”, you should have used “Sony team”!

[Prabhakar @tprabhakar88]

@ArindamPramnk Screener - Fundamental Study
Moneycontrol - Portfolio Tracking
Chartink, Trading View - Swing Trading. I don’t use any other websites.

[Prabhakar @tprabhakar88]

If you’re opening an INDMoney account to buy your very first US stocks, don’t overcomplicate it.

Start with businesses you already use and understand like:
🍎 Apple
🟢 Nvidia
📘 Meta
🔍 Alphabet
🪟 Microsoft
🔖Amazon

Sometimes the best first investment is in the world’s best companies.

Not an investment advice | Just what I would start with!

[Prabhakar @tprabhakar88]

Noticing a lot more paid promotions for the Scapia credit card lately.

Is referral and advertising payouts simply more attractive now?

Curious to know what’s driving this trend. #CreditCards #Scapia #CCGeeks

[Prabhakar @tprabhakar88]

#HDFC Diner Black Metal Card - HDFC capped SmartBuy voucher rewards at 3,000 RP/month (eff July 1). But if you spend ₹1L/month like a normal person (not a manufactured spender), this barely touches you.

Here is the math:

HDFC capped SmartBuy voucher rewards at 3,000 RP/month (eff Jul 1). But the cap only starts hurting past ~₹45,000 of voucher spend. Here’s the exact line on Diners Black Metal 👇

The change:
• Overall SmartBuy accelerated cap: 10,000 RP/mo → unchanged ✅
• NEW: only 3,000 of those can come from brand vouchers

Vouchers earn ~6.6% accelerated → 3,000 ÷ 6.6% ≈ ₹45,000. That’s your breakeven.

Sample: ₹1,00,000/month on DCB Metal

₹45,000 vouchers (Amazon/Swiggy/Blinkit)
→ ~1,485 base + ~2,970 accelerated ≈ 4,455 RP (~₹4,455 @ ₹1/RP)
→ accelerated is right at the 3,000 cap. Full value, zero loss ✅

₹55,000 on hotels/flights/Myntra/PharmEasy/Jockey via SmartBuy
→ hotels 10X, flights 5X, etc → fills the remaining ~7,000 of your 10,000 accelerated cap
→ plus base points on the full spend

You still max the 10,000 monthly cap — same as before.

Bottom line: ₹45k vouchers is the tipping point. Below it you lose nothing. Only spend above ~₹45k in vouchers eats into value — and even then, just the excess! #creditcard #HDFC #dinerblackmetal #smartbuy #vouchers

[Prabhakar @tprabhakar88]

@dmuthuk Hello sir. just curious about your thought process on Ravelcare. You bought 92,000 shares at ₹160 and another 50,000 at ₹194 after the stock had moved up. At the current level of around ₹113, I don’t see any fresh buys. I completely respect that it’s your personal decision but would love to understand your view on the stock at these levels.

[Prabhakar @tprabhakar88]

Apple just raised prices across its India lineup!

MacBooks, iPads, Mac mini, HomePod & Apple TV all cost more as of today — the MacBook Pro 14” jumps a brutal +₹70,000.

iPhone, Apple Watch & AirPods: untouched (for now). #apple #pricehike

[Prabhakar @tprabhakar88]

Glad got these purchases done before the #Apple price hike. Time to enjoy them without the extra cost! #pricehike

[Prabhakar @tprabhakar88]

Major and minor Indian stock market correction in the last 20 years. We are now at ~ 13%.

[Prabhakar @tprabhakar88]

Current Sensex PE is at 22.9 just below 10 year median PE of 23.4. Sensex has tested the PE of about 20 in Feb/March 2025.

[Prabhakar @tprabhakar88]

@Vivek_Investor FMCG may be closer to a turnaround. Markets move in cycles—that’s key. In panic phases, FMCG usually sees lower drawdowns as longevity, cash flows & brand strength get valued over high-growth stories that may not survive the next decade.

[Prabhakar @tprabhakar88]

Is there a international US focused mutual fund currently open for subscriptions? It appears all the US market funds through Motilal Oswal, Edelweiss, Mirae Asset are not accepting new subscriptions? #global #invest #nasdaq #equities #MarketTrends

[Prabhakar @tprabhakar88]

@sosonosonosono In India, it cost just ~ $1.6/month. Value for money!

[Prabhakar @tprabhakar88]

@alonelytrader Yes. It’s like as you say zero or hero trade.

[Prabhakar @tprabhakar88]

#ITC I don’t trade options very often, but ITC January calls look interesting to me. RSI is in extremely oversold zone and being a large cap, it cannot go down just in one direction. There is a good chance for a bounce back!

[Prabhakar @tprabhakar88]

Investing isn’t about chasing just equities. Look at your overall asset allocation across real estate, fixed income, commodities, equities, etc.

I’m very bullish on Indian market in the long term, but disciplined portfolio allocation is key for risk-adjusted, diversified returns.
#StockMarketIndia #portfolio #Commodities

[Prabhakar @tprabhakar88]

@Gaurav_7887 ITC for a Option trade