In recent years, India has witnessed an unprecedented surge in financial technology, known as fintech. The fintech sector has transformed the landscape of financial services, democratising access, enhancing efficiency, and fostering innovation across the nation. From digital payments to lending platforms, wealth management to insurance, the rise of fintech in India is reshaping how individuals … Read more
In our previous blog posts as part of the Discovering the Power of Platform Businesses series, we explored the journey of multi-sided platforms, dissecting their stages of network creation, consumer behaviour influence, and the resultant superlative profits and value generation with examples from the US. In today’s rapidly evolving digital landscape, understanding the metrics that … Read more
In our previous blog, we explored the journey of multi-sided platforms, dissecting their stages of network creation, consumer behaviour influence, monetization strategies, and the resultant superlative profits and value generation. Today, we pivot to examine the origins of these innovative businesses, tracing their roots back to the heart of the US tech scene. We’ll delve … Read more
Part 1: Understanding the Platform Businesses In the digital age, the concept of multi-sided platforms has revolutionized the business landscape. From tech giants like Apple and Google to emerging players like Ola and Swiggy, the power of network effects has reshaped how companies operate and thrive in today’s interconnected world. At the heart of these … Read more
We pick up India’s Digital Journey exactly where we left off from our previous blog. We touched upon the astronomical rise of UPI in India. In this blog, we delve into how it enabled commerce and look into a consumer’s journey in the digital ecosystem. Fintech Within no time, India has become a torchbearer of … Read more
India is experiencing a seismic shift as we embrace the digital era, redefining how a billion-plus population lives, works, and connects. Through a series of blog posts, we will dive deep into this journey and the implications of the same in various sectors. We also look into how new-age digital companies are strong beneficiaries. India … Read more
At Valcreate, company selection is driven by Valcreate’s GQV Investment framework, which defines the quantitative & qualitative aspects (focus on business growth, quality & valuations) we consider as part of identifying stocks for investments. Our Investment Approach helps ensure that we only invest in the highest-quality investments for our investors that have gone through a … Read more
Economic landscapes are rarely static. Adapting to varying economic conditions is a hallmark of seasoned investors. The most successful investments are strategically positioned to navigate through different economic cycles. This doesn’t allow investors to survive; it allows them to thrive by aligning their portfolios with the prevailing economic tides. In the dynamic world of finance, … Read more
Dear all, Would like to share with you our short opinion on the Budget by Rajesh Pherwani – In my investment career spanning more than 2 decades, I have witnessed every Budget’s obsession with fiscal deficit and subsidies. However, the tide has turned over the last few years. The fact that this budget is focused … Read more
The Budget has been full of green ticks for us as investors. We are clearly getting what we wanted Productive expenditure by the Government and a lesser burden on the common man to raise revenues. For many years in the history of my investment career (24 years and counting), I heard economists and the investing … Read more
Stock picking backed by strong in-house GRO process Valcreate follows the in-house GRO process with a focus on 4 pillars of investing- Growth, Return on Investment, and Ownership in the context of Valuations. This has been the hallmark of investing and helps identify companies with earnings trails as well as high-quality business at acceptable valuations. … Read more
As I have been restricted to the confines of my home due to COVID-19 restrictions, I got some time to revisit some of the statements I made in the previous 2 newsletters. Two statements clearly stood out from my Jan 2020 newsletter titled “Liquidity bubble and pockets of value” “Welcome to the new year. 2019 … Read more
India’s Finance Minister has been making regular announcements on TV every Friday. Each time, she addressed issues to revive the economy and industry. With GDP at a 7-year low of 5% in Q1FY20, manufacturing growth at 0.6%, and agriculture growth at 2%, it was time to act. Some of the measures announced by her included … Read more
The biggest event in the last 5 years (due to arrive in April) is the 17th Lok Sabha elections. On the cusp of this event, we have witnessed a lot of apprehensions amongst investors on what could be the potential impact of a weak government mandate (such as a hung parliament and weak coalition) on … Read more