• 8 months ago
- Buying opportunity in #KotakMahindraBank?
- #Sensex, #Nifty little changed


Get all your stock-related queries answered by our technical and fundamental guests with Alex Mathew and Smriti Chaudhary on Ask Profit. #NDTVProfitLive

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00:00 [MUSIC PLAYING]
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00:43 - Hello and welcome.
00:44 You're watching Ask Profit on NETV Profit.
00:46 I'm Smriti Chaudhary and with me is Alex Matthew.
00:49 And this show is all about your stock related queries.
00:51 So write to us any of your short term questions
00:55 or the long-term investment strategy
00:57 and we'll get them answered by our guests.
01:00 But before we do that,
01:01 let me quickly take you through the markets
01:03 and see what's happening there.
01:05 You look at the Nifty 50 index,
01:06 it's pretty much flattish right now,
01:09 not too much happening there,
01:11 but with a positive bias nonetheless.
01:14 You have the, among the sectors,
01:16 you have the sectors that are doing well include pharma.
01:20 However, PSU Bank is on a trot today up about 1.7%.
01:24 Again, that was the case yesterday as well.
01:26 However, on the other end,
01:28 you have Realty that's not doing too well.
01:30 It's down about 1%,
01:32 consumption not doing well,
01:34 metals, FMCG, all in the red today.
01:37 But let's also look at the broader markets
01:39 and see what's happening there.
01:41 Definitely, okay, mid-cap has turned to,
01:44 it's flat, but with a negative bias there.
01:48 So a bit of a change there
01:49 that has happened in the last couple of minutes.
01:51 You have the Nifty small cap index up about 6/10 of a percent.
01:54 So nothing to complain there.
01:57 Let's look at some of the stock specific action as well.
02:00 You have Axis Bank doing quite well in trade today.
02:04 It's up about 5% and you look at the Nifty Bank index also,
02:07 it's not as bad as you'd expect
02:11 considering what's happening with Kotak
02:14 and we'll come to that in just a minute.
02:15 So it seems like there's a balancing act
02:17 that's happening on the Nifty Bank index
02:19 with the Axis gaining and Kotak falling.
02:23 So not too bad there.
02:26 You look at some of the names
02:28 that are moving on the back of results.
02:30 There you have HUL that's down 1.7%.
02:33 There's LTI Mintree down 2.7%.
02:35 Oracle also down about 2.5%
02:37 all in the back of not as good of results as you'd expect.
02:42 Your Vodafone that's turned a little positive now
02:45 up about 2% started off on a negative note,
02:48 but after the FBO listing, we're seeing some gains there.
02:52 However, the focus for today Alex,
02:54 is Kotak Mahindra Bank can't be ignored
02:57 too big of an action by the RBI?
02:59 Yeah, certainly.
03:00 And if anything, the move on the Nifty Bank,
03:03 you can, not Nifty Bank actually,
03:04 the move on the Nifty 50,
03:06 you can look at it in terms of a deal of two banks
03:09 because if you look at the contribution for the Nifty 50,
03:12 you will see that the biggest contributor
03:13 on the upside is Axis Bank.
03:15 But single-handedly Kotak Mahindra Bank
03:17 is causing the Nifty 50 to be flat at this juncture
03:21 and is contributing about 60 points
03:24 to the downside right now.
03:26 In fact, let's talk about the reason for this
03:30 and Kotak Mahindra Bank down about 10% even as we speak.
03:33 Harsh is joining in to talk about
03:35 why this regulatory action by the Reserve Bank of India
03:38 is significant and why there is such a big move
03:42 in the stock price.
03:42 Harsh, what can you tell us?
03:44 Well, thank you for that Alex.
03:46 When I'm looking at just the ballpark numbers
03:50 and the impact, around 3.7% of the portfolio
03:54 is credit cards.
03:55 That will definitely struggle to grow
03:59 because you won't be, or rather Kotak won't be issuing
04:02 any new credit cards at least for the nine to 15th month
04:07 kind of period for sure.
04:09 This portfolio has grown at 52% year over year
04:13 at least ended Q3 FY24.
04:17 Q4 numbers yet to come out.
04:19 So it's low base but very, very high growth.
04:23 Outside of that, you have their BNPL products
04:28 which they sell through Kotak 811
04:30 and through online channels predominantly.
04:32 90 to 95% of them are sold through online channels.
04:37 And that too has grown significantly quickly.
04:41 Roughly 33 odd percent on a year on year basis.
04:44 8% sequential is how that portfolio is growing.
04:48 And that will also likely see a bit of a tempering
04:51 or a slowing down.
04:52 But I think the largest impact will be on new customers.
04:56 New customers added over the last one year
04:59 up till Q3 FY24 was roughly a crore
05:03 which is a 25 odd percent growth from 3.9 to 4.9.
05:08 So that growth might just taper
05:12 and that number one would have to wait and watch out for
05:15 as to where that number is.
05:16 Because if new customers continue to get added
05:19 then likely some of the other products
05:21 they can continue to do should not be a problem.
05:24 So some commentary around that will help.
05:26 But currently we have most brokerages maintaining
05:30 or just about reducing the target price
05:33 not the rating on the stock.
05:35 So that's the first piece.
05:37 Now we're stocked down 10%, 3.3 lakh crore
05:40 in terms of market cap.
05:42 90,000 odd crore in terms of standalone book value
05:47 cumulative and therefore the stock on a console basis
05:51 is trading at roughly 2.6 times price to book.
05:55 Well, well below its long term as well as short term
05:59 as well as medium term averages well below it.
06:02 So definitely something to look out for
06:04 because the stock has taken a bit of a beating
06:07 in comparative terms to itself
06:09 trading at quite a low in terms of book value.
06:12 - Absolutely, in fact that is the story
06:13 that we're focusing on.
06:14 Thanks Harsh for summing that up.
06:16 In fact it's a great time to get on our experts.
06:18 We've got Shahina Mukadam as well as Ajit Pishra joining in.
06:21 Shahina the first question to you.
06:23 Kotak Mahindra Bank a disappointment
06:25 not just today but if I look back from COVID lows
06:27 it's not done very much either.
06:29 Even over the last five years at this juncture
06:31 if you're talking about 18% gains
06:33 then a shareholder might just have received more
06:36 if they'd put it in a five year fixed deposit.
06:38 And that's saying something for one of the largest
06:41 private sector banks in India.
06:43 What is your understanding of what will happen
06:46 from this point?
06:47 Because some are talking about the potential
06:49 for a buying opportunity with a stock like this
06:52 down about 10%.
06:53 Is it that?
06:54 - Well actually if you see even valuations
06:57 that despite the fall and underperformance
06:59 over the last so many quarters in terms of stock price
07:04 still valuations are not expensive.
07:06 Especially if you compare it with the correction
07:09 that we've seen in HDFC Bank
07:11 and even the other large banks have actually consolidated.
07:15 So in terms of valuation,
07:17 Kotak Mahindra Bank still remains expensive.
07:20 Having said that you also have these additional
07:23 restrictions by RBI which over the next couple of quarters
07:27 is likely to see the bank trying to put its act in place
07:31 and continue to see slow growth.
07:33 So to that extent I think it is better to avoid
07:36 don't catch a falling knife.
07:37 Kotak Mahindra Bank even as of now
07:40 it would be better not to get into that stock.
07:43 There are other stocks in the banking space.
07:46 You can even look at Axis Bank now
07:48 which is more or less the size of Kotak
07:51 in terms of market cap.
07:52 There the numbers were great.
07:54 Of course you have HDFC, ICICI Bank and SBI
07:57 that remain other topics.
07:59 All right.
08:01 So and I'm glad that you already spoke about Axis Bank
08:04 because that was going to be one of the followups.
08:06 Let's start with the queries then.
08:08 And we've got the first one coming in from Mohit.
08:10 He's writing in from Ludhiana.
08:11 He's asking about IOC,
08:13 so Indian Oil Corporation of India
08:17 which is bought at levels of 77.
08:18 Let's pull up the stock and see what it's trading.
08:20 It's 170 so he's gaining quite a bit of ground.
08:23 He's looking at the next two years.
08:24 Shaina, should he hold on to this investment?
08:27 Yeah, I think he can hold on to the investment.
08:30 We have a capacity expansion
08:33 that will actually support any shortfall
08:37 that we see in terms of the crude oil prices going up
08:40 and some bit of impact on margins.
08:42 But still it looks like a decent bet
08:44 in terms of valuations you can hold.
08:46 The next counter we're talking about is Canra Bank.
08:49 Now this is from Sheila from Bangalore.
08:52 They say they bought the shares
08:53 at an average price of 292 rupees,
08:57 considerable upside from there.
08:58 It's trading at around 611 rupees.
09:01 Ajit, I'm going to come to you on this.
09:03 This has given stellar returns in the last one year.
09:07 Would you suggest booking some profits at this juncture
09:09 or would you continue holding on to a stock like that?
09:12 So my suggestion is that we have already seen the worst
09:18 in especially when it comes to the PSU back.
09:20 And now like within the PSU basket,
09:24 some of these stocks like the top performers,
09:26 SBI, Canra Bank, Bank of Baroda.
09:28 They are the one which reclaiming their multi-year highs.
09:34 So just to share the perspective about Canra Bank
09:38 that in 2010, we were at the level of around 610.
09:44 And today means we are trading to that mark.
09:48 So I feel that we have more legs to this up move.
09:53 And if your time permits, if your investment rises,
09:58 let's say for more than a year,
09:59 then definitely you should hold.
10:01 Upside, maybe considering the kind of quantum
10:07 that we've already seen,
10:08 it might take a beater for a month or two,
10:11 but positionally 650 to 670 zone
10:14 is something that it can test in next three to six months.
10:17 So definitely you should.
10:19 Okay, hold.
10:20 Jupiter Wagons is the next one I'm coming to you on Ajit.
10:23 And this is a question coming in from Rakesh.
10:26 And he's asking what should be done for the short term?
10:29 Should it be picked up?
10:30 It's currently up as much as 10% in trade today.
10:33 Yes, Alex.
10:35 So in fact, we have seen a fresh breakout today.
10:38 The stock has been hovering in a band
10:41 for almost six months now, that 420 to 340.
10:46 And finally, we have seen a breakout with strong volumes,
10:49 almost five times of the average volume.
10:52 And the stock is trading at record highs.
10:56 So everything looks positive.
10:57 You should definitely hold.
10:59 You should, one can look for fresh long falls.
11:02 410 is now the area where one should maintain a stop.
11:06 And based on the consolidation range,
11:09 closer to around 465 to 470,
11:11 that should be our immediate target.
11:13 All right.
11:14 Next counter we're talking about is Polycab.
11:16 This one's from Shri Kishore Sharma from Bihar.
11:20 They say they bought the shares at around 4,700 rupees.
11:23 Shaheena, I'm gonna come to you on this one.
11:27 Hopefully the regulatory action
11:28 on this counter is behind us now.
11:30 And considerable upside also here from the buy price.
11:36 But from a fundamental point of view,
11:38 how do you see this counter performing in the longer term?
11:42 Well, I think, you know,
11:45 after the income tax department raid,
11:48 the stock has seen a substantial correction.
11:50 But from there on again, it's bounced back.
11:53 I think the fundamentals are in place.
11:55 And I think the revenue growth also is likely to be strong.
11:59 And we're likely to see margins also improving.
12:02 So it's a hold from here on.
12:04 Definitely you can keep a stop loss.
12:06 You keep a stop loss of close to about 5,000 rupees.
12:10 Fair point.
12:12 BF Investments, I'm wondering if you have a view, Shaheena.
12:15 We've got Satya who's asking about this particular counter.
12:17 He's looking for a fundamental view.
12:19 It's currently trading at 582 or thereabouts,
12:22 and up about a percent in trade.
12:23 Yeah, you can continue to hold BF Investments
12:26 from current levels also.
12:28 It's looking good, both in terms of fundamentals
12:30 as well as technicals.
12:32 So you can hold it,
12:33 and you can keep a stop loss of close to about,
12:35 you can keep stop loss at about 500 rupees,
12:39 which is a deep stop loss.
12:41 All right.
12:42 Okay, now this question is picking two stocks
12:46 from a medium-term perspective.
12:47 This one's from Jai Krishnan from Coricor,
12:51 and the couple of stocks that they've named
12:53 are Bajaj Auto, Tata Power, Tejas, and Balaji Amines.
12:57 Ajit, if you have to pick two out of these four stocks,
13:00 which one would it be?
13:02 - So all these stocks, they've already done pretty well.
13:06 In fact, now we are seeing a bit of a beater
13:08 in Bajaj Auto.
13:09 So comparatively, Tata Motors look better
13:14 among these names,
13:14 so we may see fresh traction coming in,
13:17 in days to come.
13:18 So definitely you can hold your longs.
13:21 You can buy fresh also with 975 being the stop
13:24 and 1050, 1060 being the target area.
13:28 Tejas Network, we have already seen a very sharp surge
13:30 in the, this week so far is up nearly 34%,
13:35 despite the two days of pause or consolidation.
13:38 If you have an existing position,
13:41 you may continue to hold with the trading stop at 950,
13:44 but for fresh buying, I feel that one should wait
13:47 and let the stock consolidate or witness a dip
13:49 around 980 to 1000 zone.
13:52 Then one should look for fresh longs,
13:55 otherwise one can reframe from accumulating
13:59 at current levels.
14:00 - Fair point, that's a point, that's a view on Tejas
14:02 and by the way, the stock has been on a bit of a tear
14:05 in the recent past.
14:06 It is losing a little bit of steam right now,
14:09 but we have to slip into a very quick break.
14:11 We'll be back on the other side to take more
14:12 of your questions, so do stay tuned.
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16:09 - Welcome back, you're watching Ask Profit
16:14 and this next question is an interesting one.
16:16 It's coming in from Multan and in fact,
16:20 it is from Chandigarh.
16:21 Shaheena, it's interesting because he's talking about
16:25 which stock he can buy from a five-year perspective
16:28 that is currently priced between 10 rupees and 50 rupees.
16:31 And I think a lot of investors tend to look
16:33 at the ticket price of a particular stock
16:36 to make that decision about whether to buy or not.
16:39 And we've stressed often that this is not necessarily
16:42 the best way to look at it.
16:43 Having said that, would you be able to explain why one,
16:47 this is not the best approach and two,
16:49 if incidentally there are a few stocks
16:51 in that range that you like, what would they be?
16:54 - See, one can buy such stocks,
16:58 but provided it forms a very small percentage
17:00 of your portfolio, especially if you're looking
17:03 at it from a trading perspective, it's fine.
17:08 You can look at some stocks which are actually belonging
17:11 to some sector as well as where there is momentum.
17:14 I personally have got investments in Jayaprakash Power,
17:18 which falls into this category.
17:20 And one can look at such stocks,
17:22 but only if it's a small percentage of your portfolio.
17:25 Do not go in a whole hog and put a large chunk
17:29 of your money in these smaller,
17:32 I would say trading type of stocks,
17:34 because one is they don't have liquidity.
17:37 If the market corrects substantially, you'd be stuck.
17:40 That is why, create a portfolio,
17:43 whereas you can invest because some of these smaller stocks
17:46 give you the kicker over the longer term.
17:48 - Thanks for that advice.
17:50 And the next counter we're talking about
17:52 is Salazar Techno Engineering.
17:53 This one's from Shiv Kumar from Dubai.
17:58 They say they bought the counter at 21 rupees.
18:00 Now Ajit, we've seen an all time high of this counter
18:03 a couple of months ago,
18:05 but it seems like it's been on a downtrend since then.
18:08 Would you suggest sticking onto it for a little bit more?
18:12 Do you see some kind of upside
18:14 in any specific targets you have on the counter?
18:16 - Yeah, so the move was almost vertical from 8 to 32.
18:22 And then we've seen this retracement in the last two months,
18:27 almost 50% of the retreatment of the entire move.
18:32 Good part is that still trading around this buying price.
18:36 And we have multiple supports also around 19 marks.
18:39 So in case, it seems like it might spend
18:43 a few more sessions around the current level.
18:46 So if the view is very short term, you may exit
18:48 and switch to the counters,
18:50 which are anyways participating in the move.
18:52 So stocks from the metal space like NMDC, SAG,
18:56 Tata Steel, these are the candidates if the view is short term.
18:59 And if you wish to stay put,
19:01 then you should maintain a stop at 19.
19:03 And upside, I feel that a break above 23, 23.5
19:08 may result in further momentum towards 27, 28 mark.
19:12 Around that levels, you may close this position.
19:15 - Okay, I'm coming back to you, Ajit,
19:17 on a pretty general question.
19:18 And this is coming from Ashwini.
19:20 It hasn't specified a timeframe,
19:22 but looking for which stock to buy at this juncture
19:24 for gains, not specified a timeline either.
19:27 So not necessarily a buy now, sell tomorrow kind of a trade,
19:31 but maybe a short term view on a stock that you like.
19:35 - Certainly, as Alex, we have been seeing certain sectors
19:41 like auto metal, where we are seeing
19:44 consistent outperformers.
19:46 NMDC is one such name which we just mentioned.
19:50 And as a disclosure, we have recommended
19:53 to our clients also, 274 to 275 is something
19:55 that we are eyeing in the near future.
19:57 The stock is quoting at 250.
19:58 So one can buy NMDC at the current levels, stop at 240.
20:03 Alongside with the NMDC SCI,
20:07 where we are seeing fresh traction
20:08 after almost one and a half month of consolidation.
20:12 Here also one can look for buying for short to medium term.
20:15 The stock is quoting at 235,
20:18 so your stop should be at 215.
20:20 And positionally, 270 to 75 is something
20:22 that one can maintain as a target.
20:24 - All right.
20:25 The next counter we're talking about is Five Star,
20:29 which is an NBFC.
20:30 Now this is from Amit Rastogi, who's written to us on YouTube.
20:34 They're looking to invest into this counter
20:36 from three years perspective.
20:38 Shaheena, could you tell us the long term prospects
20:41 and the buying range as well?
20:43 - I don't like this stock.
20:45 - Okay.
20:46 Ajit, I'll take it to you then.
20:48 Any sort of buying range you have on this counter
20:51 from a longer term perspective?
20:52 - So it's been almost one year now
20:57 that this stock has been trading in this band,
21:00 782, 640, 660.
21:04 So we are currently in the middle of the band.
21:06 And if somebody's planning, let's say for investment
21:09 in the lower band, around 660, 640 is the zone basically
21:12 where one can look at accumulating the stock.
21:16 And if you're planning anything for momentum,
21:17 means for the shorter duration,
21:20 then one should wait and let the stock surpass 730 hurdle.
21:24 And then 760 to 775 will be the target area for the stock.
21:29 But as of now, it's a no.
21:31 - Okay.
21:32 The next question I will take is from Rahul.
21:35 He's writing from IP Extension, he points out,
21:37 and he's bought PI Industries at levels of 3475.
21:41 He's looking at a relatively shorter term view,
21:43 but I'll still come across to you, Shaheena.
21:45 He's looking at the next six months.
21:46 The stock is trading at above his buy price at 3745.
21:50 What should he watch out for?
21:52 - Well, I think chemical sector is still got some more,
21:57 you know, way to actually start giving returns.
22:00 So I would actually not be invested in this sector
22:02 and I would avoid PI Industries.
22:04 I would exit and probably look at metals or power.
22:08 - All right.
22:10 Next counter we're talking about is Star Health.
22:15 Okay, Star Health, and this one's from Satya.
22:17 They say they bought the counter at 774 apiece.
22:21 The counter is below that, somewhere around 565 rupees.
22:26 Shaheena, do you have coverage on this particular counter?
22:29 And if you do, what are the long-term prospects for this?
22:32 - Yeah, Star Health actually looks decent at current levels.
22:37 I think going forward, there was some bit of consolidation
22:41 based on numbers actually being pretty weak.
22:44 But I think going forward, things are looking better.
22:47 So one can continue to hold for the medium to longer term.
22:51 - Okay.
22:52 Suresh from Chalakudi in Kerala
22:53 is asking about Raj Oil Mills.
22:55 And I must confess that I'm not really familiar
22:57 with the counter.
22:59 Ajit, have you come across this?
23:00 And would you suggest that it's something
23:02 that you can get into at this juncture?
23:03 It's at upper circuit, if I'm not mistaken right now.
23:07 - In fact, Alex, I also cannot find this stock.
23:13 - No, that's fine.
23:14 That's understandable.
23:15 Let me go to the next one then.
23:16 We've got Kusum and she's bought HAL at 3,800 levels.
23:21 And she's wondering whether to exit at this point.
23:24 On the charts, is that a good idea?
23:25 - See the defense-limited counters,
23:29 like HAL, BEL, BHEL, they all are doing well.
23:32 And as long as we are seeing this momentum continuing,
23:35 one can stay put.
23:36 And now since she bought it at 3,800
23:41 and the stock has already reached 4,000 mark,
23:44 she may trade the stock to 3940
23:47 just to avoid any loss
23:50 and wait for 4,150 zone as a target area.
23:55 - All right.
23:56 Next counter we're talking about is Irida.
23:59 Now, a recent listing,
24:01 but this question is from Mr. Reddy,
24:03 he's bought the shares at a price of 116,
24:06 currently trading at 167.
24:08 Shaheena, long-term view on this one,
24:10 have you seen the stock correct a little bit
24:12 after the rally post-listing?
24:16 - Well, it's given a fantastic performance
24:19 and valuations are stretched, I must admit,
24:22 at current levels.
24:23 But given the potential for renewable energy
24:26 and the trading that is happening there,
24:29 I think one can continue to hold.
24:31 He can keep a stop-loss of close to about 150,
24:35 but it's a hold as of now.
24:38 - Okay.
24:38 All right.
24:39 It's an interesting question, actually,
24:41 from a viewer, Nagraju, who's writing from Hyderabad.
24:46 And it's a space that I don't think
24:49 has been explored too much here in India,
24:51 perhaps because it's nascent.
24:53 Shaheena, he's looking at the semiconductor space.
24:55 We've heard a few rumors, we've heard some news items,
25:00 but is there anything that you see existing right now
25:03 that is listed that you can use
25:05 to play that semiconductor theme?
25:07 - I think it's too early,
25:10 but one can look at some of the auto companies
25:12 if you're looking at auto power.
25:15 But I think it's too early to specifically invest
25:18 in semiconductors as of now.
25:19 - All right.
25:21 The next counter we're talking about is 361,
25:25 and this one's from Rahul.
25:28 Okay, we have already taken a question from Rahul.
25:32 Let's move on to another one.
25:33 - All right, I've got the next question.
25:34 Geo-financial services.
25:37 And is it the right price to get into this counter?
25:40 And I think a lot of people are asking this question.
25:43 Just take a look at the year-to-date performance
25:44 of this particular stock,
25:46 and you will see that it's had an incredible run.
25:48 So I will come across to you, Ajit, on this one.
25:51 What would you suggest somebody should do right now?
25:54 Because if you look at the fundamentals,
25:57 there are some people that are pointing out
25:58 that there's a lot that is yet to play out for this counter,
26:02 though we haven't really seen these businesses move yet.
26:06 What is the view on the technicals, sir?
26:08 - So exactly, Alex.
26:12 Though the stock prices have been inching gradually
26:15 northward, and the stock is currently trading
26:18 to record highs, I feel that one should be selective,
26:23 especially when the stock, let's say,
26:27 corrects 5% to 10%, then only one should look
26:30 for fresh buying if planning for the short term.
26:35 And do maintain a stop also.
26:37 So let's say we are putting at 384,
26:39 so any dip towards, let's say, 370, 75 zone
26:42 is the area basically where one can look for fresh longs.
26:45 And a close below 360 might derail the entire momentum
26:49 that we are seeing in the stock.
26:51 So one should maintain a strict stop at 360
26:53 for any long position in GeoFinancial.
26:57 - All right.
26:58 Next counter we're talking about is Z.
27:00 This is from Amarnath Reddy.
27:01 They bought the shares at a price of 140,
27:04 so close to the current market price.
27:06 Shaheena, we've seen regulatory action.
27:08 We just saw news about the personal,
27:12 an insolvency plea that has been admitted
27:15 against the founder of the company.
27:18 But considering all of that,
27:20 what's the long-term view on Z?
27:22 - See, I personally have been holding it for a long time
27:25 and extremely disappointed with the way
27:27 the stock has performed.
27:28 And I think the issues regarding the promoter
27:34 don't seem to come to an end.
27:36 So if you're not really losing money on the stock,
27:39 I think there are better opportunities
27:40 available in the media space.
27:42 You have TV18.
27:44 So I think one can switch.
27:45 I personally am holding,
27:46 but I don't see where this whole issue is going to end.
27:51 - That's a fair point.
27:53 All right.
27:54 That brings us unfortunately to the end
27:56 of this particular edition of Ask Profit.
27:58 Shaheena, as well as Adit, thank you so much,
28:00 as always for taking the time
28:02 and for answering all the questions that you did.
28:03 And viewers, it's practically impossible for us
28:06 to take all of your questions
28:08 over the course of just half an hour,
28:09 but still hopefully the answers that we've got today
28:12 have benefited you,
28:13 even if we couldn't take your question.
28:14 Do stay tuned, lots more coming up
28:16 over the course of the day.
28:17 And this is NDTV Profit.
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