BM Equity Report: Senco, Titan & Jewellery Sector

[@bmtheequitydesk]

--- Invest in our Smallcase : Basant Maheshwari Smallcase: basantmaheshwari.smallcase.com --- Buy my book: The Thoughtful Investor only from our website: www.thethoughtfulinvestor.in --- For Personal Consultation on business or finance: Please send a WhatsApp message at [phone] or email to support [at] basantmaheshwariinvesting dot com ---

[@Ckap350]

Once a day we should have fundamental analysis of stocks like today

[@Ckap350]

4 small cap you would suggest for 10 years am willing to pay for hour

[@anandsinghchouhan3959]

Basant ji krapaya aap Fortish healthcare deal aur jo court case h , Ispr aapka clearcut kya view h ki kya hoga ihh vs court n dachi. Kuch finally hoga ya uhii ltkaaa rhegaaa. Ihh group to trusted h

[@anandsinghchouhan3959]

Basant ji krapaya aap Fortish healthcare deal aur jo court case h , Ispr aapka clearcut kya view h ki kya hoga ihh vs court n dachi. Kuch finally hoga ya uhii ltkaaa rhegaaa. Ihh group to trusted h

[@iamsajalchakraborty]

Dear Basant ji. I am an ENGINEER not DOCTOR, POLICE AND LAWYER. Please take my question. This is seventh time i am writing. I have PPF balance 20L and monthly sip 3K. Mutual fund balance 21L up 42% including large, medium, small, ELSS and index fund and monthly sip 31.5K. Direct share portfolio of 19.46L, up 42% major portion includes TCS, HCL, INFOSYS, KPIT, LTTS, MARICO, HUL, TATA CONSUMERS, BRITANNIA, IDFC FIRST BANK, HDFC TWIN, ICICI BANK, KOTAK M BANK, BAJAJ FINANCE, ASIAN PAINTS, PIDILITE, ASTRAL, FINE ORGANIC, DIVIS LAB, BHARAT ELECTRONICS, ASHOK LEYLAND, MOTHERSON INTERNATIONAL, UNO MINDA, and small portion in JAMNA AUTO, SUNDRAM FASTENERS, MOTHERSON WIRING, YES BANK, MANKIN PHARMA, TRIDENT. PLEASE PLEASE PLEASE share your views. How much can I expect after 10 years? Thank you in advance

[@jigneshkumardevani3727]

I saw BM past videos. Many stocks means zoo. As per him if wants to make good money than 5 to max 7 shares are enough. He preferred mid cap IT, large cap bank, consumer sector. Based on my views wrt BM videos, 12 to 14 % CAGR can get on zoo or can not get more than nifty return. Fyi...

[@MsBharat68]

aj sham ko idfc ka comparison HDFC se Like or view ki baarish hone wali hai sir 😚

[@manoranjanray8181]

Sir, ask Basant- ek ek financial ratio pe video baniye also business model pe v.

[@palakraghuvanshi9]

IDFC twin BLS international for 10 year ke liye invest kar le

[@HustlerSpandanPatil]

QUICK QUESTION BASANT JI, WHAT ARE YOUR VIEWS ON "UNOMINDA"❓️ IM HIGHLY INVESTED JUST WANTED TO KNOW HONEST VIEW ❗️❗️

[@omshukla7694]

Kalyan jewellers are never never reliable

[@wasimrangsaj9342]

बसंत सर 31 मार्च 2023 को सभी स्मॉल कैप शेयरों ने बॉटम बना दिया था और सभ उपर की ओर निकल गए पर मेरे पास जो 1 शेयर है वो अभी वही है जैसा कि बुल मार्केट में सारे स्मॉल कैप शेयर बहुत तेजी के उपर जाते है और मेने जो कंपनी के शेयर लिए है वो फंडामेंटल बहुत अच्छी भी है रिकवरी नही आराही उसमे क्या करे सर थोड़ा बताए

[@gautammehra7060]

Guru ji Pranam. PLEASE READ MY QUESTION NO MATTER IF YOU DONT TAKE IT ONLINE. I LOST MY FATHER AT AGE 8 and no one in my family guided me how to save and become financial free. I m 46 today and have a portfolio which will SUPPORT ME FOR NECT FEW DECADES in next bULL run. I m listening you and few other financial SAINTS and good hearted people who guide with their wisdom. Listener N follower since 5 years. 🙏🏻🙏🏻🙏🏻 gautam your student PUNJAB YOU HV NO IDEA WHAT AWSOME WORK YOU DOING BY GUIDING AND MOTIVATING OTHERS. THERE IS NO PEACEFUL STATE LIKE FINANCIAL FREEDOM.

[@i_am_super_investor]

Sir you never take my question I am writing for 24th time and I have screenshot also Pls take my question sir Hi sir Love your videos My question is that jaise US ke promoters 1dollar salary lete hai aur ESOP ke through bhar ke company ka stock le lete hai Toh us se number of shares badh jata hai aur usse stock price pr kuch effect hota hai kya? Sir pls explain in detail and thanks for taking my question.

[@parthp2645]

Easemytrip & Angel broking ka EPS increase kitna hoga in coming years. ? Asking 9th time

[@kishorsuranasurana9525]

सर जय जिनेन्द्र आपको सुबह सुनकर मार्केट के प्रति रुझान बढ़ गया है, परादीप फोसफेट (paradeep ) के बारे मे लॉन्ग टर्म व्यू बताये

[@prashantnarote2244]

Basant sir star investor ka nam na lena. But for example Sirji titan ne rakesh jhunjhunwala ko banaya to rakesh jhunjhunwala ne titan ko banaya?

[@ramchopra1234]

sir aapne kahi bola tha ki aapka number 1 stock aapke portfolio k sabse bada part hona chahiye.... iss liye per portfolio k sabse bada part IDFC first Bank hai jo ki 42% hai .... it is right allocation??????

[@pravinedke8653]

BM Sir, You logic for analysing the business is phenomenal.. Mind game/mind read karte ho sir aap. Titan aapke liye multibegger bana . Have you sold r still holding as you always say jab Tak growth hain tab tak pakad ke rahna hain ..

[@labhubendevani6010]

Hi BM sahab Please share analysis on clean science technology, seal matic india company. Thanks

[@bhaskarkp5872]

Sir aapka kotak bank kahi over valued to nahi diposit only 360000 cr and MKT cap 370000 cr and bv 3.7 other better bank ke saath bahut na insaafi hi

[@Sk941653]

Sir what are your views regarding Samvardhana Motherson and Motherson Sumi Wiring? Please take my question.

[@Sk941653]

AI should weed out spam first!

[@sudhirkumar-fs8mn]

Basant Sir , Mold Tej technologies has fallen > 20 % in one month . There is no news which is driving this . Fundamentally, this company looks good . What should I do ? Do you face similar situation when you do not know why a company stock is falling ? What is your assessment?

[@brajeshsingh2391]

Jewellry business pe Basant ji ka take interesting hai. Diamonds high margin business hai par gold ka retail preference jyada hai. So that is interesting. I did not look at that angle. Waise Senco is late riser to the jewellry business. It has grown more sharply in the recent past. Mujhe yaad hai ki Kolkata mein when I was young 2 shops were known for their brand value. One was Lakkhi Babu (another Marwari) in Bhawanipur and other was PC Chandra in Shyambazar or Bowbazar I think. Jinke paas kam paise the woh Lakkhi Babu ke paas jaate the jinke pass jyada paise the woh PC Chandra ke paas jaate the. Bahut high trust value tha dono ka aur us samay trust of jewellers credentials was the main factor. Senco late entrant hai. Uska main drawback yehi hai ki its East India focused. East India is not as high potential as say West or South. West mein purchasing capacity is higher because people have more money there and in South gold is "god" literally. South Indians only invest in gold. East in not as big market as South or West. So Senco's expansion will have to be seen. Plus ab new age jewelries like Titanium artificial stones Jewelries is catching. Ziva and the likes. Woh ek bada market hai and it remains to be seen what Senco can do in that. But valuations cheap hain.

[@pktyagi2kumar73]

keeping in view your comments, I purchased Titan but my preference was for Kalyan Jewellers . Titan has given more than 10% and Kalyan I purchased around Rs. 105 and then at Rs. 134 when it crossed its resistance level.

[@dr.virendersingh2803]

Sir I am Dr. Virender ( Ph.D. in mathematics and teacher by profession) from Jammu. Please review my portfolio of 15 lac rupee; cdsl, polycap, bajaj finance, LTTS, tata motor dvr, home first finanace and happiest mind tech.

[@dr.joeldias5184]

Very good portfolio. You will easily get a cagr of 20%😊

[@naveenrana9316]

महोदय शुभ प्रभात आपका दिन शुभ और मंगलमय हो ईश्वर आपको ऊर्जावान बनाए रखें❤

[@naveenrana9316]

Thanks so much

[@mohammadfiroz5085]

Good Morning... Thank you so much sir for sharing very valuable information...

[@sindbadanant]

Sir Bank of Baroda......ROE over 15....loan growth over 15 but trading at below book value.....its a value buy or value trap.

[@sumeetmulchandani]

Hi sir, I am your new BM focused small cap investor 3yrs EPS growth 80 % 3 yrs ROE growth 43% 3 yrs ROCE growth 57 % Stock name Jyoti Resins For entertainment and knowledge perspective, do you have any suggestions or comments Thank you, hope today my question is picked 🙏🙏 Also if possible please discuss small cap stocks of market cap between 1000 to 5000 crores with disclamer, I highly recommend you should do this as you have right and authority to discuss the stocks for entertatiment purpose

[@hemusinghjain9422]

प्रणाम BMJi, you boost us to continue journey, no question only your review always having all answers,

[@hiteshverma9081]

You have talked once about AMD, can you help compare NVIDIA vs AMD?

[@shubhampal8306]

Sir is it a right decision to take a diversified bet in the same sector ? Like buying HDFC bank and also ICICI bank in equal quantity.

[@sonusingh-fb8fr]

Sir agar cyient dlm listing pe double hua tou kya cyient b double ho jaiga, please guide

[@ankushgupta3060]

Sir could u pls guide us how to read income statement, balance sheet and CF....we can have a session on this topic

[@PranayKapoor]

Sir MRF stock for long term kasa hai ? Next 10 year me how much can be it’s worst and bull case ….also apart from bajaj finserv and finance which is your best large cap stock ?

[@vishnuwagh772]

Sir I am your Big Fan I'm asking question 8 time, I request you to please see my portfolio, in this portfolio I want to do 25k SIP every month for 20 years. And I want to give this portfolios present to my son after 20 years. So please please please I request you to see my portfolio that what I am trying to do is equal or not. KPIT TECH, SYIENT LTD, HOME FIRST FINANCE, TATA MOTOR DVR , IDFC FIRST BANK, AU SMALL BANK, INDUSIND BANK, CHOLA MANDALAM FINANCE, ITC, JSW STEEL, burger king, Devyani international, PNC infratech,

[@bhoomidevelopers565]

Pooja here Negative comment - Episode 87 in Stock Market Investment Series. Kamse kam 3 se 4 baar apne Shalu mam ko bolte waqt bich main bole. Pure 86 Episode apko hi sun rahe the. Unko unka point of view complete karne dena tha. It's not good. Pls say sorry to Shalu mam agar aapko laga to. Ye main jab aap US main the tab hi dalne wali thi. Anyways your knowledge is tremendous I watch you regularly sir.

[@raghukodagali]

Sir, i am a regular listener from dubai. Universal basic income is a must. We have been funding the rich with projects and bank loans etc and they never invest or create capacity. If we fund the bottom then demand will pick up forcing the industry to create capacity. So the flawed argument ki garib ko paisa mat do, khali baith ke khayenge is absolutely past uppercaste argument which has failed. New idea is fund the bottom. By giving 80 cr free ration its an open admission that govt has failed in its policy. So please change your views.

[@husainarsiwala8579]

You always say that ROE is more important than ROCE. But in high Debt companies ROE will be misleadingly low. Therefore should we not look at ROCE in such companies?

[@vishalkansara6952]

How NIFTY EPS changes during market time?

[@saurabhtewari8423]

Good morning 😊 sir Thanks 🙏🏻 for the knowledge Big Fan of yours Saurabh Jai Hind 🇮🇳

[@sanpatel2727]

Sir Aap Ki Solitaire Ring 💍Looks Very Beautiful 👌❤️Fabulous…🙏 Sir Ye Kitne Carat Ki Hai…🙏 Please Kuch Ring 💍 Ke Bare Me Batai Ye Sir…🙏

[@amitgupta-zu9cs]

Sir, Namaskar! what is your view about crompton and voltas considering next bull run?

[@sunilchoudhary4032]

Hello sir.. Thanks you.. What are you view on the Electronic manufacturing sector companies of India..

[@Nikunjpatel2807]

Basan sir namaste, i would like to know is my strategy correct or not as i want achieve 16-18% return regularly by allocating 60% inBM visi top 20 and other 40% in smallcap

[@brijsing]

I feel ur shorts would be very valuable if d person making ur shorts removes all unwanted graphics, images & keep it plain & simple. It becomes very irritating to watch with all those zooming across d screen. Ur words are already worth gold, no need for any graphics.

[@Bhaskar_Pant]

Kindly also study , when you have time a Chip manufacturing US listed ASML holdings ( originally from Netherlands). Regards.Bhaskar Pant.

[@shivakumar6250]

Sir i am your fan please give your opinion on NR agarwal industries Ltd I am having 300 shares

[@omshukla7694]

If I want to purchase jewellery and there is no option except Kalyan jewellers , I will purchase artificial jewellery. Kalyan jewellers gold as I found is not reliable. If Kalyan gold jewellery returned not to b receivable 60 percent.

[@abhiji100]

Sir plz CHAMBLFERT k bare kuch btaiye ...for next 3 yr

[@sarfarazshaikh5746]

Sir good morning your view on GOLDIAM INTERNATIONAL i bought 1000 shares at rs 120 aap ne kaha tha kisi aur din discuss karte hai

[@khanshahnawaz8595]

Hi sir , NISM certification pe aapka kya view hai...agar mein kar leta hu toh kya benefit hoga mujhe ..plz answer my question ..thank u so much.

[@khanshahnawaz8595]

Hi sir , NISM certification pe aapka kya view hai...agar mein kar leta hu toh kya benefit hoga mujhe ..plz answer my question ..thank u so much.

[@khanshahnawaz8595]

Hi sir , NISM certification pe aapka kya view hai...agar mein kar leta hu toh kya benefit hoga mujhe ..plz answer my question ..thank u so much.

[@khanshahnawaz8595]

Hi sir , NISM certification pe aapka kya view hai...agar mein kar leta hu toh kya benefit hoga mujhe ..plz answer my question ..thank u so much.

[@khanshahnawaz8595]

Hi sir , NISM certification pe aapka kya view hai...agar mein kar leta hu toh kya benefit hoga mujhe ..plz answer my question ..thank u so much.

[@amitbisherwal8099]

Sir, I love to analyse the business. I have Cantabil retail. 22% top line, 25% bottom line, debt free, adding new store, guidance good.vaailable at reasonable valuation. May become the multibager.. what's your view on it Sir?

[@Birendra.Swanni]

Sir, As a family we have total 7 mutual funds Sip in three family member names. Is seven too many for a family. 1) Hdfc midcap, ( 5years) 2) Dsp Micap, ( 5years) 3) Mirae Asset Emerging Bluechip Fund ( 5years) 4) PPFAS flexi cap fund (2 years) 5) Axis midcap fund ( 2 years) 6) Nippon small cap (just started) 7) Quant small cap. (just stared) Question 1. Sir, now everyone says don’t start too many funds. But it gives peace of mind that all money is not in one Amc. Does this make sense? Three midcap but diff AMC. Question 2. Wants to stop Dsp midcap sip as it is not performing well. What should one do? Shift the entire portfolio in one go, shift slowly. What should be done if you have 5lakhs of more in a mutual fund and it is not performing? Question 3, we are under invested in market, should we invest now lumpsum or only in Sip route.

[@amolkale4382]

Hello Basant sir, I have invested around 10L in the BM smallcap focus fund .(I can take a risk) I am also doing the SIP of 35K in a Mutual funds. My question is, should I move my SIP from MF to invest in the BM Focus fund on monthly basis? Asking because I am a salaried person. I do not have a lumpsum money to invest Thanks in Advance.. Please Please take my question

[@rinkikumari-nx2ef]

Good morning sir..mai jwellary Akele hi kharidne jati hoon..mai tanishq,malabar,local jwellars sabhi jagah se leti hoon..mai ek bar me 10000 se 800000rs tak ka shopping Akele hi kiya hai...mai aksar khariti rahti hoon wo bhi Akele...mai Akele comfortable rahti hoon...mujhe koi confusion nahi hota....Haan mai diamond purchase nahi karti Kyonki uske baare me jyada pata nahi hota..

[@rajeshsrathore9944]

With due respect to you Sir, Your views on airbnb are not well informed or experienced, I've stayed in airbnb around the world in last few years and I travel for work about 20 weeks every year

[@sunilharidas3508]

I am not able to link Zerodha account with your small case... Pl help..

[@vipinkumarnimesh]

apki knowledge anmol hai bhaiji🙏🙏🙏

[@ameypotale]

Ek interesting stock hain “Waaree Technologies” - EPS negative, PE ratio negative but stock price year after year bhaag raha hain, multibagger ban chuka hain. Aapki kya raay hain is stock ke baremain? Iska bhai “Waaree Renewable technologies” bhi bhaag raha hain? Ispe bhi bataoo aapka opinion. Thank you as always for your valuable input

[@willyshal23]

Good morning sir..I just started investing since 8 months..and by 65% of cash is invested on infosys..can I invest more on infosys..or should I wait ..

[@ramajeesingh4276]

Sir, jai Hind and namaste sada vatsale matrubhumi.please cover Apar Industries.

[@pravin99050]

Sir please view on CG power 25% allocation . At CMC looks expensive

[@tusharzala5242]

Hello sir .. if the company is expecting to double it's revenue in 4 years; then it's stock price would double before 4 years?

[@srinivasiyer9512]

BM SIR BUT TITAN CASH FLOW OUTGOING IS MORE AND EVERY FUNDAMENTAL IS GOOD

[@atul4929]

Sir...Rate cut nahin aaraha lagta hain as Indian mkts...midcaps and small not moving for last 10 days...

[@yogeshkumarnagre3132]

नमस्कार सर❤

[@prafuljarijain1843]

GM Basantji, Do one session on Real estate company like Godrej, Oberoi, Prestige and Sunteck realty..🙏

[@samadhanvichare2746]

Sir, if got allotment of Ideaforge IPO then what to do after that, keep or book profits

[@Bhaskar_Pant]

Your view Basant ji : US stocks: apart from FRACTIONAL stocks. Is it wise to invest in S&P500 , NASDAQ index etfs?. Regards. Bhaskar Pant (New Delhi )

[@santoshzalavadiya7367]

In one of the TV interviews, you said "We carefully look and analyze stocks which are hitting 52 week highs. " Have you looked at ITC? Are you changing your view here?

[@amitmodimehsani420]

Amit Modi from Sydney Please please please discuss Stylam Industry , it makes laminate and Topline is growing by more than 27%, I have invested 25lacs in this, should I keep as I have got double return already

[@parrichaygoel9804]

Sir Parrichay goel here namaste Sir if we grow at a cagr of 15%,should we assume our actual growth was 15-6( inflation)-4 ( rupee depreciation against greenback ) Pls decipher and explain the impact. Would really appreciate if u take my question

[@outofthebox4652]

Yes

[@YogishMallya-t9w]

Basant Sir, I am Yogish Mallya and an ardent fan of your videos. China has restricted export of Germanium and Gallium of which China is 60% and 80% of global manufacturer and used as critical components for Chip manufacturing, semiconductors, electronic circuit boards, LED devices, electronic components etc.. Do you think this can impact Tesla, NVIDIA and others ??

[@anilburi1406]

Sir ethos stock ko analays kijiye please

[@vishalverma6891]

Sir 1 week se puch rha hu 😡 aap btate hi nhi ye jo questions select kr ke apko bhjte hai wo mera question ignore kr de rhe market abhi just badhna start hua hi hai aur ye finance influencers aur baki log bol rhe market an girega ab girega checkout for red flag ye wo aapko kya lgta hai also kya pidilite consumer company hai?

[@TirthankarDas1105]

Hello Basant Sir, I am Tirthankar Das from Guwahati. I have started reading The Thoughtful Investor for the 2nd time. Whenever I face a doubt in understanding something I will write it here. If I get lucky my question might be picked. The question is : How does a good dividend yield protect the downside of a company? Thank you

[@litmus_test]

Because people don’t sell easily when price decreases as the losses are offset by the dividend

[@vivekanandsuwarnkar1164]

Sir mera ek problem hain;Mein bhav hamesha dekhta rahta hun;Pata hone ke baad bhi profit book karta hun;Baad mein frustration hota hai;Patience kaise ayega

[@anandsinghchouhan3959]

Basant ji krapaya aap Fortish healthcare deal aur jo court case h , Ispr aapka clearcut kya view h ki kya hoga ihh vs court n dachi. Kuch finally hoga ya uhii ltkaaa rhegaaa. Ihh group to trusted h

[@indieflavors7963]

Sir abhi 5 funds chal rahe h..mirae asset focussed, mirae asset mid cap,hdfc multi cap ,hdfc flexi cap aur canara robeco small cap..view long term h..kya ye mutual funds ka selection thik h? My criteria was newly launched funds..lesser AUM and less expense ratio(hdfc flexi cap is an exception)-total SIP is 44k

[@deepakmakhija7720]

Hi Basant Sir, I am Deepak Makhija. India & Russia have agreed upon settling the Oil trade in Chinese Yuan instead of Indian Rupees as Russia has said that there is no demand for INR. Could you please tell us that why India favored payment in Yuan in place of USD because earlier they waged the war on USD but using Yuan now 😄. Also, this step taken by India will increase the acceptance of Chinese currency on the Global forum? Thanks

[@HK-bg6tr]

Data Pattern vs MTAR Technology Kaunsi company acchi hain fundamentals ke hisaab se

[@karan-of]

Does ruing party having washing powder

[@harishrao161]

Sir how will this Biden China war on chipset and lithium trade off impact Tesla?

[@manishmane4847]

Banglore ko bangluru turant correct kar dete ho par mumbai ko bombay kehte wakt bilkul darte nahin ho. Wah re south ka darr

[@Vikrampore]

Namaste sir 🙏 My portfolio PE is in between 70 to 80 (depending on weightage of my portfolio stock ). I carry dmart, bajaj finance, astral, Ltim, relaxo, jubilant, naukri etc. Is it OK? 😢

[@kanhaiyalagupta752]

Sir kya aap hame samjhayenge ye bitcoin kya hy Aur ye kaise Kam karta hy Aur ye kiske pas rahta hy

[@carohitgoyal7335]

Sir reason for Bajaj finance high growth is they are aggressive in Housing Loan now with very high ticket size. In my view, this will reduce NIM in future and also increase default risk due to high ticket size. What are your views ?

[@satyajeet709]

Sir is too much in love with Titan, but senco might challenge Titan ,like Xiaomi challenged samsung, possible right ?

[@sandippawar7628]

जिंदगी के सात भी जिंदगी के बाद भी, BM , सर

[@raj.d.nihalani6552]

Hello sir! You had said you will make a video about Goldiam…

[@puneet_183]

Namaste Sir in your book you said ""A company captures market share by pushing its products towards its customers either through lucrative pricing or better distribution or advertising whereas mindshare capture is more of a pull strategy where the customer himself comes looking for the product not because he has seen it advertisements but because he perceives the product to be of superior quality with a more than sufficient utility."" so if in a sector their is a large cap company that is dominating the market and is having astronomical valuations and there is a stock 1/100 of the company which is growing much faster than the big company but does not have the same branding and pricing so what should we conclude.

[@maddymac7813]

Kolkata ki government ka favourite hain kejriwal

[@everydaylife1360]

Sir abhi hallmark jewellery hogyi hai tho abh hamare jaisey chote stores wale bhi vahi quality dete hai

[@premashish_chakraborty_18]

Sir, please discuss Ethos LTD

[@anshulsaxena4364]

Hi Sir, can you talk about these 2 US stocks? 1) Global E-Online, 2) Datadog. Is it a good time to accumulate these?

[@manodwipkundu]

Hello sir I have three questions 1. Sir, I heard mostly about, check the 5-10 year past record of a company, so I have a question: when Reliance and Infosys took their IPO, this was a new company with not much track record (5-10 years), but these companies make tones of money (and there were also companies that failed), so how do I relate this to the present time as an individual retail investor? 2. Which kind sectors will be benefited if AI use in these sectors? 3. How to find business opportunities in the market? I mean how do you find stocks in the market?

[@avinashjha2827]

Hi sir, I'm an avid follower of your videos. I like the confidence and conviction you have in your views. I want to know your opinion about bearing companies like timken/skf/schaeffler. Please suggest.

[@sudhirgoel2047]

मैं लास्ट ईयर 4 जुलाई को अमेरिका में ही था