Impact of RBI Draft Guidelines on REC, PFC and other Lending Institutions | CA Rachana Ranade

PFC & REC shares TANK after RBI Move - Will they Recover?
Watch this video for the key highlights!
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What is covered?
00:00- Start
01:04 - RBI guidelines for all regulated entities (REs)
02:05 - Project finance
03:36 - Provisioning for Standard Assets
07:50 - How is this considered to affect Regulated Entities
#CARachanaRanade #ShareMarket #RBI

[@CARachanaRanade]

Invest in Knowledge: link.rachanaranade.com/CourseStore RBI Draft Guidelines: rbidocs.rbi.org.in/rdocs/Content/PDFs/DRAFTPRUDENTIALFRAMEWORKFORIRACP2D1F0D1A32D1442F989223014E803B05.PDF Times of India Article: timesofindia.indiatimes.com/business/india-business/rbi-tightens-norms-for-loans-to-projects-like-roads-ports/articleshow/109826071.cms CNBC TV 18 Article: www.cnbctv18.com/market/rec-pfc-share-price-no-impact-profitability-clsa-capital-adequacy-rbi-draft-rules-19407026.htm

[@viveks9954]

2 days back i watched Rachana's older video on how REC could be the next multibagger stock.. And today, it fell like hell.. Markets r so damn unpredictable.. All we can do is buy and hold on long enough to see the stocks grow (if the fundamentals of the company look good)

[@rajveerfrt1]

When most of fin -influencers just sitting down to give theirs reports till market gets fine mam is giving us right strategy in quick tym.hats off to u mam😊

[@ranjitkamath2417]

Well I am happy it fell today, I picked up some shares of REC, In an IPL season if you get full toss, it deserves to be hit for six.

[@mukundansampath1228]

*Thank you Rachana. Very useful & timely analysis & inputs👌👍💓🙏*

[@dharam2016]

Very well explained. I would really like to compliment on thing Ms. Ranade ji , u explain finance marker news in simple words. Thats wat we need. Financial channels n all use fancy words to make it complicated. Which is tuff to understand simple n innocent investors. Words like hawkish dowish. Ye sab local public ko hajam nahi hota. Thanks u to. U explain in simple words god bless u . Be straight n simple as u r.

[@atulmisra14]

NBFC already make more provisions than banks. So there are two reports- CLSA taking about PFC, REC etc and other report about banks.

[@guruadiga]

Thank you for sharing this analysis.

[@johnsonsamuel8967]

Excellent explanation and description, thanks a lot

[@HarryKrishna0410]

Fantastic review Rachana Ji. I had only 40 shares of PFC, and bought 160 more to round-figure to 200 shares. Encashed the opportunity (hopefully). I have mostly been buying fundamentally sound stocks if the news does not impact much. Previously I bought Polycab, then JTL and many more. Retailers get panicked very quickly (sometimes its obvious) but panick is not meant for long term investors. At least have a vision for 4-8 quarters.

[@getrich8212]

If it implemented, whether provisions shall be made for previous loans or future loans. I am concerned if it for previous loans also

[@kchhabra1]

Very informative and thought provoking.

[@SundarHudgi]

Thanks Rachana for this simple explanation for people like me who do not have much knowledge in this field.

[@akalpitadatar1061]

Can you also make a video on gas pipeline tariff changes which made shares like GSPL fall a week back?

[@UTatUT]

Thank you for this Analysis🙏 Quickly Over-reacting on anything and everything is basic nature of Market 😊 I guess Ideally, PSU should not be much impacted or worried,. Thanks Again 🙏

[@76saphire]

Ma'am, when we use the term "Buy on dip" for any stock, are there any parameters that help decide at how much dip should we accumulate, say x no. of shares..??

[@ravi52021]

It is a really a good education video...upto what level of dip we need to wait and buy.....from last three days those stocks are falling stage, so we have to wait or we have to buy and keep it....

[@sachindalvi5017]

Is it a short term collapse in REC /PFC?

[@sanjaymalik5096]

The moot point is that whether this provisioning has to be provided for each project or just for the projects which are delayed.

[@vikasmore164]

Thanks for opportunity 😊

[@rachitsingh9473]

Will impact P/B ratio of financial companies. Plus i do not understand if impairment reserves are impacted, impairments do travel thru PnL ...(i guess so )

[@prabalsingh4905]

Madma ,U r turly superb to explain anything in simple words with best version of summary .

[@Gangadharswami1975]

No challenge Mam your fluent english speech....

[@learnwithjs34]

Market reacted to REC and PFC like they were lending without any guideline till now 😂

[@aniketgupta4407]

Buy the dip

[@learnwithjs34]

@@aniketgupta4407 yeah I told my dad to buy but “baap baap hota hai 😅 nhi kharide to nhi hi kharide”

[@DsaTraveller]

Thanks for the video ma’am

[@tomjoseca]

It is only provision on standard assets. Later if the loan doesn’t become NPA and continue to be a standard asset the provision will be reversed and added to profit. So effectively there is no impact if the loan is repaid without default.

[@MrGunaseelanm]

But still doubt about your involvement of ads

[@rathnavelnatarajan]

Impact of RBI Draft Guidelines on REC, PFC and other Lending Institutions | CA Rachana Ranade - Listened. Very useful video. I share for my friends thro X & Face Book - Congratulations & Blessings CA Rachana Ranade

[@jaypatel8341]

Mam Do you use any AI Tool for Getting Deep Detail's without reading whole Document like PDF or PPT??

[@prathmeshlad3855]

RBI & SEBI will do everything except hold banks responsible for fraudulent transactions that happen with almost every other user.

[@saratchandraprayaga6930]

You should have made it more clear. At present almost large banks, nbfc and other financial institution have good provisional coverage ratio which is 70% RBI norms. Capital adequacy ratio (car) of rec, pfc and ireda are all far better than commercial banks for which RBI norm is 15%. For these 3 pse their npa is also quite low. So all these provosioning is adfitional safety measure not going to affect profitability and revenue, it is more related to projects where time extension is needed for completion. Lucky and clever guys did better by buying or averaging. Whichever govt we retail investors safe for at least 3 years till completion of present projects. One small suggestion to fellow retailers with small capital when you get to 100% profit sell them and reinvest the original cap +50% of profit. Another method may also suit by selling every quarter and reinvesting on dip or no dip full amt with profit then what you make in 3 years sinple interest you will make in one year. Calculate for youself.😊😊😊

[@sujalthakkar5536]

Ma'am as can be seen from screener 82% of loans disbursed by PFC are given to government sectors. So provisioning is required for loans given to govt. sector undertakings as well???

[@suchirao8543]

Thank you Rachanaji

[@ravichandransivaraman6106]

Dear Madam I am not able to join your membership programs as I use only ICICI net banking. Can you please arrange for net banking transactions also Ravichandran

[@saikumarshridhar156]

You have become "one take artist" most Bollywood directors would be proud of you bcoz u r better than Bollywood artists 😂

[@javidlone5935]

If i would have such teachers in my university i would have done wonders But Alas my teachers were not ao good

[@rahulagarwal3405]

I don't think the new rules will hurt the banks' profits. At some point, the extra money that the banks are required to set aside (provisioning) might actually add to their profits (if it's not spent).

[@anandradhakrishnan1302]

It’s not like that . Institutional traders cannot short stocks. They can only sell what they hold. The only way for them to make money is to buy low and sell high. So when there is no news they buy. The share value goes up. You and I buy alongside. Ok fine. The moment a bad news comes, the institutions start selling. We still continue to buy. Price stagnates. We get confused. Meanwhile selling continues from institutional investors. We also start selling. Price nosedives. Finally when we are exhausted they start buying back till next news.

[@mukeshpurasvani5463]

Currently how much provision bank are keeping?

[@MrRahul-hz5hq]

Have you used chat gpt to simplify this document ? Just curious :)

[@akshayv1954]

Yes There are many fake ads running in Instagram and Facebook for stock market trading training with your name and face on it.... Unable to send screenshots of it here... But please take action

[@pravinbomble7683]

नमस्ते सदा वत्सले मातृभूमे

[@mzone6436]

Well done--- Thanks ...

[@SiddhMehtaArts24]

Guys comment so much n like so much that people get to know abt this n see it , this would let the investors get over the worry n start buying tomorrow

[@ShreyashPatil1811]

Felt very sad when i saw that Rachana Ranade's You Tube channel's 50% videos are not even crossing 1lakh mark in terms of Views. Even after having 48 Lakh Subscribers whereas Akshat Shrivastava's Channel is Rocking in views even with low subscribers and he doesn't even have a Team i.e. no big expenses on channel.

[@Ishanth788]

Nobody wants to listen technical stuff. This channel is for those who truly wants to learn investment not for those who just wants the name of stock

[@aldrindsouza8068]

Both Rachana and Akshat are good in their own unique ways. Both provide quality learning content for serious investors and learners. I'm a fan of both.

[@shock-t3768]

Whenever i see such ads on fb, i always report them. That's the best we can all do is to report immediately.

[@raviranade6927]

Thanks a lot Rachana.

[@vipulbakade7764]

In moneycontrol report, PSU banks have maximum exposure to Infrastructure project and among all the PSU banks, Bank of Maharashtra has the highest exposure. If RBI guidelines is implemented and If the price of of Bank of Maharashtra sustains till Rs.55 its OK, if it goes beyond Rs.40 then it will be huge loss to the shareholders. Because it will impact the profits of bank. This is my analysis. Correct me if i am wrong

[@prabakark712]

Mam. if the provision money yields any interest it will create less impact. Am i right or wrong mam?

[@riteshkushwaha7168]

Ma'am please make a video on BCL industries & CUB, if possible. Thank you ❤

[@kamleshpatel6157]

You are far far better than akshat or vasantji,i m doing a micro analysis all of you and you and pushker are best,

[@thomson200000]

Would love to invest in mahabank

[@hakim5939]

I bought REC at 450 even after all the crash it's still giving more returns than any stock in my portfolio 🤣

[@jaypatel8341]

Can you Please share AI related stock because our Government also Focusing an AI india thing! Which can be next Hot leading Sector for us!?

[@ravichandransivaraman6106]

Thanks a lot 🙏🙏🙏

[@schneider2332]

Why the hell do these institutions keep on playing spoil sports and create turmoil.Few months back some high mighty raised alarm about small cap mutual funds and caused huge drop in the market and later on the market settled to normalcy.

[@harshalpatil1130]

Can you say about election 2024 impact on market plz

[@swapnendugoon899]

It seems like Regulators short play, or sort of a stress test for these twins. Best buying level is near 430, but don't think it will sink to that low. Holding it tight and can't be tamed by any means... Few adjacent EMAs to be tested to understand the next bull show... only reading (chart) and no dreaming...

[@hakim5939]

Just looking at how much quickly it bounced back today it's impossible for it to fall to that level again anytime soon.

[@LastDance007]

Is this consolidation of resources

[@ashokkumarkonduri267]

REC PFC trading at more than double their median PE, 200% returns in less than a year, is it wise to add now?

[@deepakgarg9298]

You are amazing bete..... God bless you....

[@Thepunemh12]

म्हणजे आत्तापर्यंत कोणत्याही प्रोविजन शिवाय लेंडींग होत होतं प्रोजेक्ट्स ला !😅

[@sushantghorpade4495]

As far REC is concerned it only gives finance to govt power supply comanies

[@jkannar6946]

Mam please hindhi main video banayi ye please please

[@manjunath4526]

Will it effect to private finance services like jio financial services?

[@hemantsuri5120]

Thanks

[@yashagar4443]

Buying on dips

[@rajeshweranand2507]

Buy the DIP?

[@jackiecooper9439]

No. Time to sell. Buy High Sell low.

[@reghuvarier9851]

No buy till June 4...sit with cash...

[@rajasubramanian2035]

Greatest Stuff ever seen in my career in youtube! Keep up your good work. Cheers!

[@maheshdorge662]

Do not buy untill election results....keep trade intraday....

[@shabirakhoon9440]

Thankyou madam

[@kuparalavenkatasivakumar5103]

And how increased provision will reduce the income ?

[@Rohan-cw3wp]

BUY ON DIPS ❤

[@swaditi1]

thank you Rachna ji for the timely and insightful comments and clarity on the 5% provision envisaged by RBI DRAFT circulating. Excellently and succinctly put as usual - Srinivas Austin Texas

[@santhoshilla8416]

What is meant by 5% standard asset? Provision? I'm not of accounts background... Sorry.

[@balmikimahato3717]

What will I do in Titan. I have 140 share of Titan

[@supermansud]

Check it's PB & PE ratio. Compare with other players like Senco Gold, Kalyan Jewellers etc. Does it make sense to hold such a company?

[@syedabu8441]

Very clearly explained After watching your videos I feel more confident and satisfied about the stocks

[@karthikeyan-hh3ll]

Don't believe Rachana words blindly. Most of her videos are sponsored. Do your due diligence.

[@sidharthsingh1818]

Yahi video pehle daal dete alert karne k liye 😑

[@Bollywood_view]

You are the best ❤❤

[@CARachanaRanade]

Thank you!

[@r.seducation2712]

❤❤❤❤❤❤❤

[@MatrixMaths-ne9kr]

Teacher ji namaste

[@CARachanaRanade]

Namaste 🙏

[@meeeeeeauuuuuuuu]

Good decision by RBI

[@CARohiitttttttt]

Is it a case of Insider trading? Share ki rarif karo aur logon ko phasao..aur phir apna maal chepo aur nikal lo😂

[@bibhutiudgata590]

Poor analysis. Very limited, miopic view concentrating only on stock price. It does not cover it's impact on long term infra lending. Market factors that too in share price

[@saurabhgarg6401]

Hello audit madem

[@englishart380]

Hi Stock Queen ma'am

[@Mahakaaltantarjyotish]

Madam you look like a teddy 🧸🧸🧸

[@santhosh1893]

lol 😂

[@jaijanyani1753]

This channel is now filled with paid content and promotions, causing me to lose all trust. I will no longer be watching its videos. For reliable finance information, there is no better channel than @LabourLawAdvisor.