What’s wrong with my Portfolio? | CA Rachana Ranade

"IT sector is one sector which has massively under performed in the past one year and in this case if you are talking about sectors are in if you are talking about stocks which are related to IT sectors there are great chances that These stocks will not perform very well."

"If I am talking about reality 18% downfall"

"FMCG 4% downfall"

"PSC Public Sector Enterprise Stocks it is almost 0.09% return which is like a flattish return but I am talking about September 24 till date it is a 19% correction."

"Now if I am talking about stocks like let's say Arvind Limited, Gokul Das Exports and if I am talking about Kitx Garments all the stocks are down by more than 20%"

"Whenever there is a rate cut, there will be money available at cheaper prices. Now let's understand a typical point about the NBFC sector. Typically. I am saying typically. Ok. NBFC Buy. Or I must say borrow is the right word. NBFCs borrow typically at floating rates and they pass on or lend money at fixed rates. So, I will give you a simple example. Let's take an example of Bajaj Finance, okay, Bajaj Finance assumes borrowed money at a floating rate. So, when there is a rate cut, their borrowing cost will go down. If boring cost cost goes down for them. Is it going to be a good point for them? Absolutely yes. But whenever they are lending money, they have already entered into agreements that they will lend money at fixed rates. So if that be so, can I say their nims nims are net interest margins. Can they go up? The answer is yes."

"But does that just mean that all NBFCs will be like this? The answer is no. There could be certain NBFCs which may follow a mixed ah mixed you know a thing for I will give you an example of REC only. So, REC has a mixed impact. Something like they, they have borrowed money, at fixed rate when it is about long term borrowing. For short term they have borrowed on floating rates. And whenever they have lent money, they have also lent some at fixed and some at floating."

"If I am talking about something like a Nifty 200 Momentum 30 index it has given a -4.55% return here to date."

"If I'm talking about Jupiter Wagins."

"If I'm talking about TJS Networks"

"For the year 2023. If I want to name some stocks again as an example something like Bajaj Auto, NTBC, Coal India, Larson Tubro, Hero Motocorp, Ehher Motors these were like some star performers of 23"

"Something Like a Tent, Mahindra & Mahindra, B Airtel, Sun Pharma, Shriram Finance and May B Tech Mahindra, HCL Technologies. There were a few winners in 2024."

"What about 25? It was something like Bajaj Finance, Bharat Electronics, LNT Finance and Maruti Suzuki who were the outliers in 25."