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Intraday trading, often called day trading, is the process of buying and selling stocks (or other financial instruments) within the same trading day before the market closes.
📌 Example: You buy Reliance shares at ₹2,500 at 10:00 AM and sell them at ₹2,530 by 1:30 PM you’ve made ₹30 per share. But if the stock dips, you must exit the position the same day.
This contrasts with delivery trading, where shares are held for days or months. Intraday focuses purely on short-term price fluctuations, often using chart patterns, market news, and momentum.
While intraday trading is not for everyone, it appeals to:
⚠️ Disclaimer: Intraday trading involves high risk. It's not ideal for long-term wealth creation. But with discipline, strategy, and proper tools, many traders succeed.
Trading can only be done through a SEBI-recognized broker like Swastika Investmart that provides:
Even though you don’t hold shares overnight, a demat is linked for compliance. With Swastika, the onboarding is paperless, instant, and guided.
When buying a stock, choose “Intraday” or MIS (Margin Intraday Square-off) as the product type. Your trade must be squared off before 3:15 PM.
Brokers often allow 5x to 20x leverage meaning you can trade stocks worth ₹1,00,000 with ₹10,000 margin.
⚠️ High leverage = high risk. Losses can wipe out your capital quickly if not managed with stop-loss orders.
Buy stocks that are moving rapidly due to news, results, or volume spikes.
🧪 Example: If Infosys declares strong quarterly results and opens 5% higher, a momentum trader rides the wave for quick profits.
Watch key resistance levels. When a stock crosses it with volume, buy it.
🧠 Pro Tip: Use VWAP, RSI, and moving averages for confirmation.
Identify when stocks are overbought/oversold and bet on a small correction.
Example: Nifty50 rises sharply in the morning and shows a bearish candlestick at 12 PM. A reversal trader may short for 30–50 points.
Swastika's trading platforms integrate these tools with real-time alerts, so traders can act instantly.
Overtrading: Multiple trades can rack up brokerage and taxes.
✅: At Swastika Investmart, we educate first-time traders via webinars, daily research reports, and one on one guidance ensuring informed decisions and responsible trading.
Only SEBI-registered brokers like Swastika can provide the infrastructure needed for legal and safe trading.
🧠 Real Story: Rajesh, a retail trader from Indore, started intraday trading with ₹10,000 in 2023. With guidance from Swastika’s research desk and free training, he consistently earns ₹1,000–₹2,000/day all from his mobile.
Intraday trading is a high-speed game of psychology, discipline, and pattern recognition. It is not a shortcut to wealth but with the right tools, broker, and mindset, you can build a reliable source of income.
Swastika Investmart brings 30+ years of trust, transparent systems, and dedicated advisory perfect for beginners and seasoned traders alike.
Many companies have started IPO filing since the end of 2020. This is because many businesses had suffered due to the impact of the COVID 19 pandemic and exuberant stock market activity.That’s why many SMEs and big organizations have participated in the IPO. Here is the list of the companies that are ready to get launched in November 2021:
Company Name IPO Size Tentative Date CMS Info Systems Rs 2000 Crore November 2021 Emcure Pharmaceuticals Rs 4500 Crore November 2021Star Health And Allied Insurance Co. Limited Rs 3000 Crore November 2021 Jana Small Finance Bank Rs 2000 Crores November 2021 MobiKwik Rs 1900 Crores November 2021Arohan Financials Rs 1800 Crores November 2021 Northern Arc Capital Rs 1800 Crores November 2021 Ixigo Rs 1600 Crores November 2021 Penna Cement Rs 1500 Crores November 2021 Utkarsh Small Finance Bank Rs 1350 Crores November 2021 Fincare Small Finance Bank Rs 1330 Crores November 2021 Sterlite Power Transmission Rs 1250 Crores November 2021RateGain Travel Technologies Rs 1200 Crores November 2021ESAF Small Finance Bank Limited Rs 998 Crores November 2021Shriram Properties Rs 800 Crores November 2021 Shri Bajrang Power and Isp at Rs 700 Crore November 2021Studds Accessories Limited Rs 450 Crore November 2021
Emcure Pharmaceuticals is considered one of the leading pharmaceutical companies in India. Headquartered in Pune, Emcure pharmaceuticals, is planning to make its debut with an IPO of Rs 4500 crore. The company offers numerous products including tablets, capsules including soft gel and hard gel and injectables. The IPO will offer new issue equity shares of Rs 1,100 crore and OFS of about 18 million shares for its current shareholders and company promoters. The primary objective of Emcure pharmaceuticals is to pay its existing debts.
Star Health and Allied Insurance are considered one of the leading health insurance companies in India. Headquartered in Chennai, the company is known for providing health, overseas travel and personal accident insurance. Recently, the company has submitted its DRHP to the Security and Exchange Board of India for filing IPO of Rs 3000 Crore. The offer for sale includes 6 crore equity shares and fresh issue equity shares of Rs 2000 Crore. By launching its IPO, Star health wants to expand its current capital. Currently, the company has a market share of 15.8%.
Jana small finance bank is a leading small finance bank of India in terms of asset under management and deposit size. Founded in 2008, the bank mainly works in the rural and semi-urban parts of the country. The OFS of Jana Finance Bank will be Rs 1,300 Crore and Rs 700 Crore will be through fresh issue equity shares, hence the total IPO worth of Jana Finance bank would around Rs 2000 Crore. The primary objective of the bank is to improve its tier-1 capital.
CMS info systems is a well-known cash management company that has recently filed its DRHP with SEBI. The net worth of the IPO would around Rs 2000 Crore. Here, the IPO will only consist of sales and no fresh issues.
MobiKwik is an Indian digital payment company that has filed a DRHP with SEBI of launching its IPO of Rs 1900 Crore. Founded in 2009 by Bipin Preet Singh and Upasana Taku, the company believes in offering peer to peer payment facilities through UPIs. MobiKwik allows you to make your bill payments and different recharge through its app. By launching its IPO, the company plans to raise a $1 billion valuations.
Northern Arc Capital is an NBFC with 10+ years of experience in the financial sector. Recently, the company has filed DRHP with the SEBI.The IPO consists of an OFS of 36, 520,585 shares and the issuance of fresh equity shares worth Rs 300 Crore.
Arohan Financial Services is an NBFC that provides income-generating loans and other services to people who have zero access to financial services.By launching its IPO, the finance company is planning to make a public issue of around Rs 1800 Crores. The IPO consists of an OFS of 27,055,893 shares and new issue equity shares of Rs 850 Crores.
iXigo is an AI-based online travel portal that has recently filed its DRHP with SEBI. The company has planned to raise Rs 750 Crore through fundraising and an OFS of Rs 850 Crore. In a pre IPO funding round, the company raised around Rs 395 Crore.
The bank filed its DRHP with SEBI in the 1st quarter of this year and got the approval from the same in June 2021 to begin its IPO proceedings. The main motive of this organization behind launching its IPO is business expansion. The total issue size of the IPO will be around Rs 1350 Crore - which can be divided into OFS and fresh issue. Here, the fresh issue of equity will be around Rs 750 Crore and OFS will be Rs 600 Crore.
The initial public offering of Penna Cement will likely have a total valuation of Rs. 1,550 crores. It will comprise an offer for sale of Rs. 250 crores and freshly issued equity shares of Rs. 1,300 crores. ICICI Securities, Axis Capital Limited, JM Financial, Yes Securities (India) Limited, and Edelweiss Financial Services are the lead managers of this IPO. KF in Technologies Private Limited is the registrar of this IPO. Penna Cement is one of the leaders in its segment in India. It has an annual production capacity of 10 million tonnes and has a strong presence in the Southern and Eastern parts of India.
Sterlite Power is a leading integrated power transmission developer and solution provider company. The company is all set to release its IPO of about Rs 1250 Crore. According to the DRHP, the lead manager of this IPO is JM Financial Capital, ICICI securities limited, Axis Capital Limited. However, the registrar of this IPO is KFin Technologies.
RateGain Technologies is all set to release its IPO, which would be worth Rs 1200 Crores. The face value of RateGain’s share is Rs 1 per share. The company is planning to invest its proceedings to pay off debts first and then invest the money in technological innovations and acquiring capital equipment.
Fincare small finance bank is preparing to go public in the current financial year. However, the company has already filed for DRHP to start IPO. The total valuation of around Rs 1,330 Crore, which consists of an OFS of Rs 1000 Crore through the company’s promoters and freshly issued equity shares of Rs 300 Crores.
ESAF Small Finance Bank is ready to go public by the end of 2021. The total size of the IPO is Rs 800 Crores and the remaining is through OFS.
Shriram Properties have filed its DRHP with SEBI. The total valuation of Shriram properties is around Rs 800 Crore. It consists of fresh equity shares of Rs 250 Crores and Rs 550 Crores for OFS.The face value of Shriram properties is Rs 10 per share.
Shri Bajrang Power & Ispat Limited IPO will list 41,18,000 freshly issued equity shares with a face value of Rs. 10 per share.
Studds Accessories Limited, IPO is expected to have a valuation of around Rs 98 Crore. Also, current investors are likely to divest around Rs 3,939,000 crore equity shares.
A stop-loss order is used to mitigate the losses happening in the stock market. The order can be placed on both - the buy and sell orders. As you know the stock market is full of ups and downs and hence there is also a chance of falling stock.
If things happen exactly the opposite of what you think, then you need to do something to stop it right. Here, the term is known as a stop-loss order.
Let’s understand it with a suitable example: Suppose you have purchased a stock of Rs 100 and wish to go that stock high. If this is not happening, then you need to take some action to mitigate the losses. Here, the stop-loss order comes into play.
In the stock market, you can limit your losses by putting a stock loss order at 95. By doing this, you are placing it to stop a loss more than what you are ready to risk.
Stop-loss orders are of two types:
Case 1 > If you have a buy position, then you will place a sell SL.
Case 2 > If you have a sell position, then you will place a buy SL.
In Case 1 if you have a buy position at 100 and you wish to place an SL at 95.
SLM order type: With this order type, you must place a Sell SLM order with a trigger price of 95.
Then, when the price of 95 is triggered, a sell market order will be sent to the stock exchange and your position will be will settle at the market price.
SL order type: With this type of order, you must place a sell order with price and trigger price. Here your order must be triggered first, the trigger price is always greater than or equal to the price.
This order offers you a series of stop-loss limits.
Assume a range of Rs 0.10 (10 Paise). Here you can enter the trigger price = 95 and the price = 94.90.
When the price of 95 is triggered, the sell limit order is submitted to the exchange and your order is squared with the next available offer above 94.90. So your SL order can run at 95 (or higher) or 94.95, but not below 94.90.
The downside of this order is that if the market falls sharply, your Stop-Loss order is placed after the trigger of 95 and before the sell limit order of 94.90, if the share price is already below After 94, 90, your Stop-Loss order is still open and your losses could be much higher.
In Case 2, If you have a sell position at 100 and you wish to place an SL at 105.
SL-M Order Type: You place an SLM buy order with the trigger price = 105.
When the price of 105 triggers, a buy market order is sent to the stock exchange and your position is squared with the price market.
SL Order Type: Make a Buy SL order with price and trigger price.
Since your order must be activated first (the triggered price ≤ price). Here this type of order gives you a stop loss range.
Let’s assume a range of Rs 0.10 paise. Here you can keep the trigger price = 105 and the price = 105.10.
When the price of 105 is triggered, the buy limit order will be submitted to the stock exchange and your order will be squared below 105.10 on the next available offer.
Therefore, your SL order can be executed at 105.05 or 105, but not above 105.10.
Since SL sell orders are used above their buy price and SL buy orders below their sell price, you can use these types of orders to buy via LTP (last traded price) and sell below LTP.
What are the Methods of Calculating the Stop-Loss in Intraday Trading?
Percentage Method
This method is mostly used by intraday traders to calculate the stop loss. In the percentage method, traders are required to set the percentage price of the stock price they are prepared to lose before exiting the trade.
For Example: if you think that you would be losing 10% of the stock price before you exit your trade. Let’s say your stock is trading at ₹50 per share. Hence, your stop loss would be set at ₹45. This is because 10% of ₹ 50 is Rs 5. ₹50 - ₹45 = ₹5
₹5 under the current market value of the stock (₹50 x 10% = ₹5).
This method is comparatively easier than the support method to figure out where to set their stop loss. A moving average can be applied to the stock chart.
The moving average for the long term is better as it helps you keep your stop loss too close to the stock price. Once the moving average has been inserted, kindly set your stop loss just below the moving average level.
In a support area, the stock price often stops falling, and in a resistance area, the stock price often stops rising. Once your support level is determined, all you need to do is set your stop-loss price point below the support level. For example, let's say you own a stock that is currently trading at ₹ 500 per share, and ₹ 440 is the last support level you can identify. It is recommended that you set your stop loss a little less than ₹ 440.
Don’t let a single bad day ruin your whole month. When you do intraday trading, there are so many things that go wrong. Successful traders know how to handle the situation and hence they know when to quit - they set and abide by a daily loss. According to stock market research analysts, the 3% rule is your maximum loss for the day; reduce this amount if you wish, but try never to lose more than 3% in a day.
Incorporated in 2012, Nykaa is a consumer technology platform, delivering a content-led, lifestyle retail experience to consumers. The company has a diverse portfolio of beauty, personal care, and fashion products, including their own brand products manufactured by them.
The company operates under 2 major verticals: Nykaa: Beauty and personal care and Nykaa Fashion: Apparel and accessories. They have a diverse portfolio of beauty, personal care and fashion products, including their owned brand products manufactured by them.
⮚ As of March 31, 2021, Nykaa offered approximately 3.1 million SKUs from 4,078 national and international brands to their consumers across business verticals.
For the 3 months ended June 30, 2021, the total GMV was ₹1,469.61 crore, which grew 238.8% from the 3 months ended June 30, 2020.
⮚ The beauty and personal care offering is extensive with 256,149 SKUs from 2,644 brands primarily across make-up, skincare, haircare, bath and body, fragrance, grooming appliances, personal care, and health and wellness categories as of August 31, 2021
⮚ The company manufactures owned brand beauty and personal care which are sold under their owned brands such as “Nykaa Cosmetics”, “Nykaa Naturals” and “Kay Beauty”.
⮚ The company provides an omnichannel shopping experience to its customers by providing both online and offline shopping channels. Online channels include mobile apps, websites, and mobile sites while in the offline channel Nykaa opened their first physical store in 2014, and has 80 physical stores across 40 cities as of August 31, 2021. Their physical stores currently exist in 3 formats, Nykaa Luxe, Nykaa On Trend and Nykaa Kiosks.
⮚ Falguni Nayar is the Founder, Executive Chairperson & Managing Director and Chief Executive Officer of the company. She has over 26 years of experience in e-commerce, investment banking and broking. Prior to founding the company, she was associated with Kotak Mahindra Capital Co Ltd for 18 years where she also served as a managing director.
⮚ Sanjay Nayar is an Additional Non-Executive Director of the company. He has over 35 years of experience in banking and private equity. He was associated with Citibank N.A. for over 23 years, where he also served as the chief executive officer of the bank in India for over 6 years. He was chief executive officer of KKR India Advisors Pvt Ltd from 2009 to 2020.
⮚ Adwaita Nayar is the Executive Director of the company, since July 1, 2021. She also serves as the chairperson and chief executive officer of Nykaa Fashion. She co-founded the company and has been involved in the areas of marketing, operations and product development.
⮚ Anchit Nayar is the Executive Director of the company, since July 1, 2021. He also serves as the chairman and chief executive officer of Nykaa E-Retail. He has previously served as the vice president of the Investment Banking Division at Morgan Stanley, New York. He is currently responsible for the beauty business and also serves as a member of the investor relations team
⮚ Arvind Agarwal is the Chief Financial Officer of the company. He has been associated with the company since June 1, 2020. He has over 21 years of experience in various fields, including accounting, finance, regulatory and strategic planning. Previously, he was associated with Amazon Seller Service Pvt Ltd, Vodafone India Ltd, Tata Teleservices Ltd, YOU Telecom and Adani Port Ltd.
⮚ Rajendra Punde is the Head - Company Secretary & Legal and Compliance Officer of the company. He has been associated with the company since October 22, 2020. He has more than 17 years of experience in legal, compliance and company secretarial.
Issue Break-up (%)QIB Portion 75NIB Portion 15Retail Portion 10
Shareholding (No. of Shares) Pre Issue 467,036,850Post Issue 472,924,550
Indicative Timetable Finalization of Basis of Allotment 08-11-2021Refunds/Unblocking ASBA Fund 09-11-2021Credit of equity shares to DP A/c 10-11-2021Trading commences 11-11-2021
COMPETITIVE STRENGTHS
⮚ Continue to acquire new consumers and increase consumer loyalty
⮚ Deepen and broaden the brand relationships
⮚ Leveraging on the art of retailing to expand into lifestyle adjacencies and launch new channels
⮚ One of India's leading speciality beauty and personal care companies.
⮚ Major brands offering their products on Nykaa's platform for sale
⮚ Capital efficient business with strong growth and profitability
⮚ Company's advanced technology platform
KEY CONCERNS
⮚ They may not be able to boost revenue if they are unable to attract new customers or do it in a cost-effective manner.
⮚ Any damage to their brand or reputation could have a negative impact on their business.
⮚ The sale of their own items exposes them to new risks and increases the severity of others.
⮚ They operate in an extremely competitive sector, and their inability to compete successfully could affect their bottom line.
⮚ Their business’ seasonality has an impact on their quarterly performance and puts a burden on their operations.
Issue OfferIssue Opens on Oct 28, 2021Issue Close on Nov 01, 2021Total IPO size (cr) 5,351.92Fresh issue (cr) 630Offer For Sale (cr) 4,721.92Price Band (INR) 1085 – 1125Market Lot 12Face Value (INR) 1Retail Allocation 10%Listing On NSE, BSE
FSN E–Commerce Ventures Limited IPO (Nykaa)
FINANCIALS (RESTATED CONSOLIDATED)
Particulars (Rs. In Millions) FY 2021 FY 2020 FY 2019Equity Share Capital 150.58 145.50 142.43Other Equity 4,748.81 3,075.99 2,163.15Net Worth 4,899.39 3,221.49 2,305.58Total Borrowings 1,874.65 2,675.49 2,256.43Revenue from Operations 24,408.96 17,675.33 11,113.94EBITDA 1,614.26 810.55 205.10Profit Before Tax 753.38 (124.30) (317.20)Net Profit for the year 619.45 (163.40) (245.39)
COMPARISON WITH LISTED INDUSTRY PEERS
There are no listed companies in India that engage in a business similar to that of the Company. Accordingly, it is not possible to provide an industry comparison in relation to the Company.
Nykaa redefined the art of e-retailing beauty and personal care in India. Nykaa's revenue for FY 2021 was at Rs 2,452 crore VS Rs 1,777 cr while profit for the year in the FY 2021 was Rs 61.9 cr, as compared to a restated loss of Rs 16.3 cr for 2020.
Q1FY22 financials also looked better than previous years, but need to see how it grows further. The beauty and personal care market have a large market opportunity especially in India where millennials are more into buying brands and look for easy buying options such as e-commerce.
At the upper price band of Rs 1125, the PE works out to be 839x and the price to sales comes at 21.6x to its FY21 earnings. The valuation of the IPO is pretty high however eyeing the higher valuations of other unicorns we may expect some listing gain.
Thus, we assign a “SUBSCRIBE” rating to the IPO only for listing gains.
RatingAVOIDIssue OfferIssue Opens on Oct 29, 2021Issue Close on Nov 02, 2021Total IPO size (cr) 1,200.30Fresh issue 300.00Offer For Sale (cr) 900.30Price Band (INR) 560 – 577Market Lot 25Face Value (INR) 10Retail Allocation 10%Listing On NSE, BSEObjects of the issue ⮚ Augmenting Bank’s Tier – 1 capital base ⮚ Achieve the benefits of listingIssue Break-up (%)QIB Portion 75NIB Portion 15Retail Portion 10Shareholding (No. of Shares)Pre Issue 78,014,996Post Issue 83,214,302Indicative TimetableFinalisation of Basis of Allotment 09-11-2021Refunds/Unblocking ASBA Fund 10-11-2021Credit of equity shares to DP A/c 11-11-2021Trading commences 12-11-2021
Incorporated in 2017, Fino Payments is a growing fintech company offering a wide portfolio of digital financial products and services in India. The company offers a diverse range of financial products and services via a pan-India distribution network and proprietary technologies. Since 2017, they have grown their operational presence to cover over 90% of districts as of September 31, 2021.
⮚ Fino Bank operates an asset-light business model that is underpinned by their “phygital” delivery model (i.e., a combination of physical and digital) and relies on their merchant network and other participants.
⮚ The company is looking to target a population of India which has low levels of financial literacy and technology use and typically does not have access to even basic banking services.
⮚ In 2020, the Ministry of Electronics & Information Technology ranked Fino payments third among banks in facilitating digital transactions in India. According to CRISIL, the company also has the largest network of micro-ATMs and the third-highest deposit growth rate in FY' 2021.
⮚ Fino Banks has built a pan-India presence with 724,671 merchants (own and API) which are typically located in Tier-2 and Tier-3 towns. They currently have approximately 17,430 active BCs across India. Additionally, they operate 54 branches and 130 Customer Service Points (“CSPs”).
⮚ Their retailers also use their existing client connections in their communities to help us cross-sell additional financial products and services like third-party gold loans, insurance, bill payments, and recharges.
The revenues of the company have seen consistent growth in the last 3 years. The company's revenue for FY 2021 was at Rs 791 crore VS Rs 691 cr in FY 2020 while profit for the year in the FY 2021 was Rs 20.4 cr Vs loss of Rs 32 cr in 2020.
The company has a brief history while the margins of the company might expand. Fino Payment is a fast-growing fintech company and it is one of its kind company to list on the stock exchanges. If we consider last year's profit then the PE ratio turns out to be around 235 however it has carried forward losses which is a major concern. Its unique DTP network and new edge business model may garner investors' interest while we have an "AVOID" rating for this on the back of expensive valuation and regulatory risk.
IPO Note
FINO PAYMENTS BANK LIMITED
KEY MANAGERIAL PERSONNEL
⮚ Rishi Gupta is the Managing Director and CEO of the Bank. He is a founding member of the Bank and he was an employee of Financial Information Network and Operations Pvt Ltd (erstwhile name of their Promoter, Fino PayTech Ltd). Prior to joining Fino PayTech Ltd, he worked with International Finance Corporation, ICICI Bank Ltd and Maruti Udyog Ltd.
⮚ Ashish Ahuja is the Chief Operations Officer of the Bank, he joined the Bank with effect on April 1, 2017.
⮚ Ketan Dhirendra Merchant is the Chief Financial Officer of the Bank, he joined the Bank with effect on August 30, 2018.
⮚ Shailesh Pandey is the Chief Sales Officer of the Bank, he joined the Bank on April 1, 2017.
⮚ Vinod Kumar KB is the Chief Information Officer/ Infrastructure and Facilities of the Bank. He joined the Bank with effect from July 18, 2017.
⮚ Bharat Bhanushali is the Head – Business Technology of the Bank, he joined the Bank with effect on April 1, 2017.
⮚ Amit Kumar Jain is the Head of – Business Alliance of the Bank, he joined the Bank with effect on April 1, 2017.
⮚ Anand Bhatia is the Chief Marketing Officer of the Bank and he joined the Bank with effect from February 5, 2018.
⮚ Pratima Pinto Thomas is the Head- Human Resources of the Bank and she joined the Bank with effect from May 27, 2019.
⮚ Basavraj Loni is Company Secretary and Compliance Officer of the Bank, he has been associated with Fino since November 1, 2017, and was transferred to the Bank as Head – Legal and Secretarial with effect from May 6, 2020.
COMPETITIVE STRENGTHS
⮚ Unique DTP (Distribution, Technology, Partnership) network helps in better customer servicing.
⮚ A technology-focused business model with an advanced digital platform
⮚ Customer centricity and innovation at the core of business
⮚ Asset light and scalable business model
⮚ Operational experience and expertise
⮚ The socially inclusive model with positive social impact
⮚ Highly experienced and committed leadership team, supported by marquee investor base in our promoter and shareholder
⮚ The company has a limited operating history as a payments bank.
⮚ The company is engaged in fee and commission-based operations, and their financial performance could be impacted if they are unable to collect revenue from these sources.
⮚ The company relies heavily on their information technology platforms, and any flaw or failure in such systems, as well as a data breach, could have a negative impact on its business.
⮚ The company has introduced new products and services and will continue to do so, but they cannot guarantee that such products and services will be successful today or in the future.
⮚ In the financial years 2019 and 2020, the company made losses.
IPO Note
FINO PAYMENTS BANK LIMITED
COMPARISON WITH LISTED INDUSTRY PEERS
There are no listed companies in India that engage in a business similar to that of the Company. Accordingly, it is not possible to provide an industry comparison in relation to the Company.
FINANCIALS (RESTATED CONSOLIDATED)
Particulars (Rs. In Millions) FY 2021 FY 2020 FY 2019Equity Share Capital 445.80 445.80 445.80Other Equity 1,059.67 854.9 1,175.29Net Worth 1,505.47 1,300.70 1,621.09Total Borrowings 1,807.98 1,107.90 829.03Revenue from Operations 7,910.27 6,913.97 3,711.21Expenses 7,705.53 7,234.33 4,335.05Net Profit for the year 204.74 (320.36) (623.84)Margin (%) (16.8) (4.6) 2.6
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TCS
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TATASTBSL
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TINPLATE
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TIMKEN
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TATA MOTORS
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VOLTAS
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TATA COFFEE
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TATA CHEMICAL
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TATA CONSUMER
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TATA POWER
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TATA COM
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TTML
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NELCO
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TATA INVESTMENT
Tata Investment Corporation Limited is an investment-driven non-banking financial business. Tata Investment invests in a broad portfolio of shares, including different functioning and financially sound industries. The Company will pursue a combination of value and growth as its normal investing approach.
INDIAN HOTELS
IHCL has welcomed visitors with a world-class elegance and friendliness from the opening in 1903 of the renowned Taj Mahal Palace in Bombay while being strongly anchored in local tradition and strong global ideals.
TAJ UK
With the acquisition in the year 1982 of St. James Court in London, UK, two years after the business had acquired its first international Hotel in Yemen, Taj Group would now expand internationally.
RALLIS INDIA
Rallis, a TATA company is a Tata Chemicals subsidiary that operates vertically in the Farm Essentials. More than 40 thousand retail stores in India span over 80 per cent of India's districts are reached by 2,300 distributors. Rallis has extensive knowledge of Indian farming, ongoing contacts with farmers, high-quality agrochemicals, branding skills and marketing expertise and an extensive array of crop management solutions.
In India, there are 74 issuers of credit cards, including the top three Indian private banks (HDFC Bank, Axis Bank and ICICI Bank). The credit card markets of India continue to be significantly underpenetrated, though.
HDFC Bank is the market leader with the greatest share in the credit card sector, while the share of City Union Bank is the lowest. Despite the Reserve Bank of India's prohibition on issuing new credit cards in the previous eight months, HDFC Bank has been able to preserve its leading status with a 23.06% market share. Let us consider India's Credit Card market share:
Although commercial banks are certain kinds that serve customers on a daily basis, commercial banks tend to focus on supporting enterprises. Big and small enterprises can utilize commercial banks when a checking or a savings account has to be opened, borrow money, get credit or transfer cash to foreign market companies.
Private banks are banks where private shareholders and not the government own a majority of their holdings. Private sector banks have private promoters, they are managed and controlled and they are allowed to function according to market forces. There are typically regulated hence guaranteeing the security of public deposits entrusted to such entities and is also governed by directives issued periodically by central banks.
Private Sector Banks AXIS BANK LTD731192211.44%DCB BANK LTD46900.01%DHANALAKSHMI BANK LTD60210.01%FEDERAL BANK LTD206870.03%HDFC BANK LTD1474286223.06%ICICI BANK LTD1145868217.92%IDBI LTD377390.06%IDFC Bank Limited4570150.71%INDUSIND BANK LTD16182622.53%JAMMU AND KASHMIR BANK852450.13%KOTAK MAHINDRA BANK LTD24192033.78%RATNAKAR BANK LIMITED30071874.70%TAMILNAD MERCANTILE BANK LTD311500.05%YES BANK LTD9971811.56%
Public sector banks are the largest kind of government-controlled banks in India, with a majority share (i.e. above 50%) held by the Government of India's finance ministry or Indian state finance ministry. Gazette officers are those employed by officers and their subsidiaries. The workers that work for these particular organizations and their subsidiaries are likewise fully qualified officials. These banks' shares are listed on the stock exchanges.
Public Sector Banks BANK OF BARODA6792711.06%BANK OF INDIA1661240.26%BANK OF MAHARASHTRA633020.10%CANARA BANK8825771.38%INDIAN BANK1352710.21%INDIAN OVERSEAS BANK660160.10%PUNJAB NATIONAL BANK3116120.49%STATE BANK OF INDIA1240506819.40%UNION BANK OF INDIA5131080.80%
The majority of foreign banks in India are foreign bank subsidiaries. They come from overseas promoters and are managed. In India, some international banks are Citibank, Bank of America, Standard Chartered Bank and Hong Kong Bank.
Foreign Banks AMERICAN EXPRESS14575442.28%BANK OF AMERICA239280.04%CITI BANK25939994.06%HONGKONG AND SHANGHAI BKG CORPN8105711.27%SBM Bank India1821670.28%STANDARD CHARTERED BANK LTD14038632.20%AU SMALL FINANCE BANK LIMITED352080.06%
The expenditure on credit cards grew strongly, from 2015 to 2019, with the CAGR rising by 32 percent. In all, the increase in credit card expenditures should still reach Rs. 15 trillion by 2024. The Government has fostered its goal of a cashless society, digitization, e-commerce and the growth of its POS infrastructure.
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