Xpertvoice

06/09/2025

GST rate cuts.

02/09/2025

🎢 The Stock Market and Company Earnings: Sea saw Moves vs Steady Growth 📈

If you also think the stock market is a roller coaster, you’re not wrong.

Prices swing up and down violently—sometimes for reasons that have nothing to do with the actual health of a business.

Most of the company announce their results Quarterly, but still price moves daily.

WHY??

👉 A company’s earnings and cash flows don’t fluctuate nearly as much as its stock price. Markets react to headlines, emotions, and speculation.

ON the other hand, business grows steadily, with earnings rising (or falling) over time in a much smoother pattern.

So Don’t let market volatility shake your conviction. Always focus on the fundamentals like revenues, profits, cash flows, and moats.

The roller coaster belongs to the stock market traders and adventurous investors.

💡 As Warren Buffett said:
"In the short run, the market is a voting machine, but in the long run, it is a weighing machine."

28/08/2025

🚨 Follow the Valuation or Else a Disciplined Investing

📣 No one alarms you when market is trading at overstretched valuation.

📉 When market crashes, people make unnecessary noise compelling others to quit at a wrong time.

📊 But the market trend always comes with a silent waves. You will observe that every time a cycle turns around, it is always delayed to catch the story.

In investing, the loudest voices are often distractions.

👉 Real signals come quietly — through data, patterns, and discipline.

So what should investors do?

✅ Don’t chase the unnecessary noise.
✅ Don’t take decisions in panic with the crowd.
✅ Stay attentive to what the market signals.

Wealth can only be created not by reacting to noise, but by listening to the trend 📈, discipline and resilience.

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27/08/2025

7 Learning Wisdom by Shri Ganesh Ji.

19/08/2025

The equity benchmark indices Sensex and Nifty rallied on Monday, climbing nearly 1 percent on heavy buying in auto and consumer durables stocks, buoyed by plans for big bang reforms in the GST regime by Diwali.

Sensex jumped 676.09 points or 0.84 percent to settle at 81,273.75.
The Nifty climbed 245.65 points or 1 percent to end at 24,876.95

*Key factors driving the rally:*

*1) GST reform push: In his* Independence Day address on August 15, Prime Minister Modi said the Centre has circulated a draft of proposed GST changes to states and sought their cooperation to implement them before Diwali. Market experts said the proposal could shift most goods and services into the 5 percent and 18 percent slabs, benefiting sectors like autos and cement, which currently face a 28 percent tax. "Insurance companies are also expected to benefit from the revision," said V K Vijayakumar, Chief Investment Strategist at Geojit Financial Services.

*2) S&P upgrade: S&P Global* Ratings upgraded India's long-term sovereign credit rating on Thursday to ‘BBB' from ‘BBB-', the first upgrade since 2007, citing strong economic growth, improved policy credibility and fiscal consolidation. "Declarations by the prime minister on GST reforms and the S&P upgrade are strong positives for the market," Vijayakumar added. The equity markets were closed on Friday for Independence Day.

*Stock Market Today LIVE*
*3) Global cues* : Asian markets traded higher with Japan's Nikkei, Shanghai Composite and Hong Kong's Hang Seng in positive territory. Wall Street futures also pointed to a firm opening.

*4) Crude prices* : Brent crude slipped 0.05 percent to USD 65.82 per barrel. Softer crude prices ease concerns on India's import bill and inflation, supporting sentiment.

*5) Rupee gains* : The rupee strengthened 20 paise to 87.39 against the US dollar in early trade, tracking firm domestic equities. It had settled at 87.59 in the previous session.

*6) US softens tariff stance:* Market mood also improved after US President Donald Trump signalled that Washington may not impose secondary tariffs on countries continuing to buy Russian crude, easing concerns of a potential hit to India.

FIIs bought worth Rs 551 crore
DIIs bought worry Rs 4104 crore

*Global cues for today*

*GIFT Nifty (Gains)*
The GIFT Nifty is trading higher at around 24,992, indicating a firm opening for the day.

*Asian Equities (Mixed)*
Asian indices tracked Wall Street declines overnight ahead of the U.S. Federal Reserve meeting.

*US Equities (Flat)*
Wall Street's main indexes closed roughly flat on Monday, after struggling for direction while investors awaited a raft of corporate earnings reports from major retailers for more signs about the state of the economy and the Federal Reserve's annual symposium in Jackson Hole

*US Bond Yield (Down)*
The yield on 10-year Treasuries and 2-year Treasuries were trading with little change in the early Tuesday trade.

*Dollar Index (Flat)*
The U.S. dollar held steady against its major peers on Tuesday as global markets awaited the outcome of a White House summit with European nations that could determine the next phase of the war in Ukraine.

*Asian currencies (Down)*
Asian currencies were trading lower against the US dollar with Indonesian Rupiah leading the losers followed by Malaysian Ringgit, South Korean Won, Philippines Peso, Thai Baht.

*Crude (Slips)*
Oil prices slipped in early Asian trade on Tuesday as market participants contemplated planned three-way talks among Russia, Ukraine and the U.S. to end the war in Ukraine, which could lead to an end to sanctions on Russian crude.

*Gold (Flat)*
Gold was little changed as traders weighed US-led efforts to end the war in Ukraine, and counted down to the Federal Reserve's annual Jackson Hole gathering, which may yield hints on possible rate cuts.

16/08/2025

🌿 Shri Krishna’s Wisdom for Investors: Janmashtami Special Story

When Krishna was in Mathura, he was once asked by his devotee, “Why do you not rush into battles immediately? Why do you sometimes wait for years before taking a step?”

Krishna smiled and said:
“समय के बिना फल नहीं मिलता”
(Without the right time, no fruit can be achieved.)

He explained that just as a seed takes time, water, and sunlight to grow into a tree, victories in life also need patience, timing, and consistency.

📖 Shri Krishna said in Bhagavad Gita (2.47):

“कर्मण्येवाधिकारस्ते मा फलेषु कदाचन”
(You have the right to perform your actions, but not to the fruits thereof.)

👉 Meaning for investors: Focus on disciplined investing (SIP, asset allocation), not on daily market outcomes.

💡 Investment Lessons from Krishna:

1. Patience Brings Growth:

A farmer doesn’t dig his field every day to check the seeds. Similarly, investors should not check daily price movements — wealth compounds with time.

2. Right Timing Matters:

Krishna waited for the perfect time to act in Mahabharata. In investing also entering staying disciplined and holding for the long term brings success.

3. Detach from Short-term Greed:

As Krishna taught Arjun: “Do your duty, don’t worry about immediate results.” Focus on process (research, SIPs) — not short-term profits.

4. Balance is the Key (Yogic Investing):

Krishna always spoke of sanyam (balance). Asset allocation (equity, debt, gold) is like balance in life — protects you in uncertain times.

🌸 On this Janmashtami, let us learn from Krishna’s wisdom ful words:

👉 Plant your seeds (investments) with discipline.
👉 Nourish them with patience.
👉 Let compounding (time) grow them into trees of wealth.
👉 Just as Krishna’s flute brings calmness and balance, a disciplined investor’s portfolio brings peace and financial freedom.

15/08/2025

03/08/2025

02/08/2025

💼 The 6 Stages of Wealth Building – Business Growth 📈

Most people think wealth is built in a straight line.

But just like a business, your wealth journey goes through various phases. let's take a look at those phases 👇

🔹1. Start:
You begin with the savings accumulated from salaries. Initial expenses used to be very high, with negligible returns. This is the foundation stage.
✅ Here Patience is the capital which you own

🔹2. Hyper Growth:
Once you start investing in the business or yourself (SIPs, equity, mutual funds), it starts getting compounded.
✅ You should stay focused in this stage with minimum expenses on lifestyle.

🔹 3. Self-Sustaining:
Your investments now start paying for your expenses now — dividends, interest, gains.
✅ This is called the break-even point. You will start feeling Financial liberal now.

🔹 4. Operating Leverage:
Now you have enough cash flow to optimize — asset allocation, tax planning and diversification.
✅ At this stage money starts working for you much harder than you do.

🔹 5. Capital Return:
You start harvesting gains.
Retirement, goals, or passive income begins flowing in.
✅ It is time to protect and preserve for your needy days.

🔹 6. Decline:
If unmanaged, even great wealth can diminish.
Inflation, bad advice, or poor succession planning can erode your capital.
✅Plan for legacy and succession. Wealth transfer is also a necessary part of wealth planning.

📌 Lesson:
Wealth is not a destiny. It's a continuous cycle, and every phase of it needs a different strategy.

31/07/2025

🧠💼 Thinking Beyond Mutual Funds? Here's Why PMS Might Be Right for You!

📈 If you have a ₹50 lakh+ corpus and want customised portfolio management, direct stock ownership, and higher return potential, then Portfolio Management Services (PMS) can be a game-changer.

🔍 What makes PMS unique?
✅ Personalised investment strategy
✅ Professional fund managers
✅ Direct control and ownership
✅ Better transparency & tax efficiency

💡 Ideal for: 👉 HNIs & serious long-term investors
👉 Those who want more than average returns
👉 Investors seeking alpha beyond mutual funds

⚠️ But remember: PMS isn’t for beginners. It requires long-term commitment and trust in strategy.

🔐 Want to explore the best PMS options available?
✅ Let Xpertvoice guide you — with proper profiling, strategy selection, and ongoing reviews.

📲 DM us or visit [xpertvoice. in]
📞 Start your journey toward wealth with expert hands.

🔴 Invest smart. Grow wise. With Xpertvoice.

30/07/2025

📣 NSDL is a Bank❗❗🤨

Yes They are Now Reviving a Biggest Financial Inclusion

🔍 Firstly let's understand how NSDL Earn revenue? and why it matters now while applying for IPO 💼

Let's dissect the beans with Xpertvoice – Wealth Creators

Most investors know NSDL (National Securities Depository Ltd.) as the backbone of India’s digital securities infrastructure. But dig deeper into its financials, and you’ll find a surprising truth:

In 2018, NSDL planned to make a wider digital inclusion and launched its own payment bank named NPBL (NSDL Jiffy).

💡 NSDL’s biggest revenue driver isn’t its depository business anymore, it’s its Payment Bank!

FY 2025 numbers speak about this loudly:

📊 NSDL Revenues (₹ Mn) and Business Share:

🔸 NSDL Payment Bank (NPBL)- 7,199 (50.7% Share)
🔸 NSDL Depository - 6,186 (43.6% Share)
🔸 NDML (Database) - 823 (5.7% Share)

🧠 Yes, more than half of NSDL’s revenue now comes from NPBL – a digital payment bank subsidiary.

💼 Why Is This Important for Investors?

As NSDL heads toward its IPO, this revenue breakdown offers crucial insights:

✅ 1. Diversified Business Model:
It’s not just about Demat accounts. NSDL is now a serious player in digital payments, FASTag, DBT, bill payments (BBPS), and more.

✅ 2. Revenue Quality Analysis:
While the Payment Bank is high in volume, its operating margins are too low while comparing with core business of depository services.

✅ 3. The IPO Lens:
NSDL's IPO will invite both retail and institutional participation. It seems a long term investment story.

✅ 4. Tech-Driven Infra Growth:
With India pushing financial digitization, NSDL is uniquely positioned with infrastructure strength and scalable fintech operations.

🧾 A Few Things to Watch in the IPO:

🔸 What valuation will NSDL demand vs CDSL?
🔸 How will profitability evolve with rising Payment Bank volume but thin margins?
🔸 Is there a long-term moat around NSDL’s combined data + infra stack?
🔸Are they shifting their focus from Depository to Banking services?

As a long-term investor, analyze the revenue quality and the long term business model.

✅ Follow Xpertvoice for more such insights and IPO breakdowns, and deep analysis of financial products.

💬 What is your views on NSDL after knowing about this fact. Are you still undervaluing it in comparison to CDSL❓

29/07/2025

This will help many poor Indians and senior citizens.