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Rajat Banerjee's avatar

Very well written. Thank you for that. My question is why Muthoot? Not Manappuram? Is not TIPS India have stretched valuation at this moment?

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Ankush Agrawal's avatar

Muthoot is 90% plus gold finance business, plus it is the leader in Gold Finance. Manappuram has 30% other business and their focus seems to be equally strong if not more on growing non-gold business. I am interested in Gold Finance and I hate micro-finance.

On Tips, you will have to look at market cap of TIPS and profits of Music business to gauge the valuation. Seeing P/E in isolation with combined profits that includes loss of Films business would not give the true picture.

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Rajat Banerjee's avatar

Thank you for clarifying my doubts. If manappuram considering demerger in the future, that would be interesting then. Any other significant player in Gold Loan at present? Also, Why Suven Pharma, not Suven Life Sciences? I will definitely look into TIPS industries. Thanks for your tips on TIPS.

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Ankush Agrawal's avatar

Not really, CSB bank has good share of gold loans; ~40% or so.

Read this to get more insights on Suven Pharma & Suven Life -https://privateinvestor.substack.com/p/how-to-find-and-evaluate-complex

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