Kya Low P/E Microcaps Lena Chahiye?

Kya Low P/E Microcaps Lena Chahiye?
Invest in our Smallcase: Basant Maheshwari Smallcase: basantmaheshwari.smallcase.com
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Buy my book: The Thoughtful Investor only from our website www.thethoughtfulinvestor.in
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For BM Meets (Personal Consultation on business or finance). Please send a WhatsApp message at [phone] or email to [e-mail]
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Covered in This Video
0:00 Intro
0:06 Momentum nahi hai Bazare mei
1:47 MicroCap konsa le?
5:51 Reserve vs. Cash Equivalent
7:50 PSU Bullish Rahega 4 June ke baad?
8:43 We don't have the consistency of Policy
12:16 Kya Majority milegi?
14:04 Deep Cut ke baad Paisa kahan dale?
14:36 Apna business bechkar BM Vision 2030 mein Paisa dala
15:41 Mutual Fund se Paisa nikal sakte hain kya?
16:47 Do you track sector indexes?
17:11 Car loan se liya cash se?
17:56 Hatred inside us
19:57 Infosys mein kya dikkat hai?
20:27 Warren Buffett ko HUL aur ITC chahie
20:48 Kam salary mein Amir kaise bane?
21:42 Forward looking Statement
23:19 Aapke Mummy ne aapko kya khilaya tha?
24:42 Story Book reading aur Stock Market ka connection
25:30 Kya aap kabhi Operator bane hain?
#microcapstocks #microcaps #microcapstock #election2024 #election #congress #bjp #modi #electionnews #rahulgandhi #infosysshareprice #ultratechshare #sharemarketindia #sharemarket2024 #stock #investmentideas #financialadvices #basantmaheshwari #nifty
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DISCLAIMER- We do not Recommend any of the stocks we discussed in our videos. Please consider consulting with your Financial Advisers before investing.

[@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 BM Meets (Personal Consultation on business or finance). Please send a WhatsApp message at [phone] or email to [e-mail] ---

[@Shivamgupta-pc5gf]

Sir I am your subscriber.What do you mean when you say deep cut?5 percent?10 percent?

[@ANILKUMAR-ml5uh]

Troll krna hai ...piyar se....ok

[@rajendrakanade1066]

धन्यवाद 'सर.

[@Shivamgupta-pc5gf]

@@sanjaydawda324 the thing is you are not able to think clearly and see the truth

[@rajeshsehgal6563]

Hi Basant, I have become addicted to your videos. Thanks for the good work. Also, can you share the minimum amount a new subscriber should invest in your three available Small Cases. It will of immense help. Thanks in advance.

[@LucasMartin276]

Thanks for continues updates! I am super excited about how my stock investments is going so far, making over $13k every week is an amazing gain🥰

[@LauraWyss600]

How? I know it's possible, I would appreciate if you show me how to go about it

[@LucasMartin276]

I will advise you stop investing on your own and seek for guidance from a professional, I don't invest on my own anymore, I always required help and assistance

[@LucasMartin276]

from my personal Financial advisor

[@CrinProca]

YES! that's exactly her name (Julia Rosa) I watched her interview on CNN News and so many people recommended highly about her and her trading skills.❤

[@DonnaMyers769]

I'm surprised that this name is being mentioned here, I stumbled upon one of her clients testimony on CNBC news last week

[@abhishekjangid1990]

Sir, Aap Jo yeh serious/straight face ke saath jokes bol dete ho, uski toh baat hi alag hai. Tempo se Diya ya money order se Diya.. Maza aa gaya.. Aapka toh lagta hai Standup comedy mein bhi achcha scope hai.. 😂

[@ushamoulik1554]

The level of help I received in US , i cant imagine it here in India . A person literally stopped his car and took my staffs to carry till my apartment. In the airport one guy started pulling my luggage with a happy face . In the flight also they helped me to keep my handbag . In the airport they allowed my extra baggage. All out of generosity, no help asked .

[@drsanketpatel1986]

Good evening Basant sir, Aapke videos Russia ukrain war se dekh raha hu.Bahot learning mili Hai stock market ki - yeh time nahi Hai laverage Lene ka - aapki yeh Baath sun ke mene last week hi meri 14 lac ki laverage kat di. Thank you sir Aur ek life learning bhi mili aap ke quote se -What's done is Done.Things without all remady should be without regards. Bhale hi aap ka quote nahi Hai lekin jise aapne isaka meaning samjaya me ek Badi problem se Bahar aa gaya Thank you so much sir.God bless you sir

[@admincmm6090]

Thanks guruji.. Much awaited video these days..

[@kamdeosharma868]

I am Aditya Raj Sharma, I am in class 11 still I always watch your videos.Your videos are motivating me for my future.Thank You sir.

[@JayantaChatterjeeweb]

Sir, Is it a good time to invest in Hang seng market using ETF? looks like that index is doing well recently

[@macbro5903]

sir amazing content thanks for sharing your knowledge.. keep healthy and dont forget to vote on june.. cheers

[@jyotiahuja9024]

Thanks Sir, your videos are very educative and addictive too..I like your style.The other day you advised that buying longer dated Treasury Bonds of US ( 20 years or more) would be beneficial.When do you suggest, is the right time to buy...in the month of May/June/July of current year and for how long? Thanks in advance for taking my question..

[@Shashwata_Pandey]

5th attempt... Sir i have 2 doubts from this video 1. If roce is more than roe then can this be inferred that the company is more efficient in using its debt. 2. Sir don't you think Rupay Credit card interoperability with UPI is a subtle but effective nudge for the card sector...and sir can we really discount the aspirational aspect of owning a credit card?...like lounges and stuff... Thanks in advance...nothing but Utmost love and immeasurable respect for you..

[@krishnamohan5820]

We are blessed to have a market guru like you. Please keep up the financial literacy efforts in spite of the hurdles

[@rahulmehta8837]

सर मज़ा आ गया कितने अच्छे से समझाया आपने मिक्रो केप इन्वेस्टिंग को

[@kumargudasi1885]

Abi mein to pura pakad me aaraha hai roe , eps , np, pe, roce, u such great teacher u teach us with such ease.. And don't forget economics n global micro econmics with current global events.. V r lucky to hv u in this bul bulaya jungle.. Respect and ur fatherhood for many of us like me...

[@baljeetsingh-io7bu]

Hi sir , will JP Morgan’s inclusion of Indian bonds into index benefit stock market directly or indirectly thanks ?

[@sandipmodak1906]

Thanks Sir Useful explanation about Microcap

[@Arjun.Trivedi]

Hello Sir.. Would you suggest to buy US stocks right now until June 5 results? Please form a community or discord group for discussing US stocks.. Also how much is the impact of US election in US and global markets?

[@Deepak-pareek911]

I started reading your book today. In the first chapter you talk abt price n value of business. You said in bull mkt price > value and its reverse in bear market. Is there any way to calculate real value of a business.

[@kanchanchordiya3937]

Big fan of yours.🙏🙏 Full knowledgeable and interesting video.

[@pankajgupta8917]

Hello Sir, While rebalancing the portfolio, I found that small exit stocks fall more even more than 7%. Which is substantially high.Due to that, we get heavy loss while rebalancing. Does it due to popularity and more number of subscriptions of your small case? Or does operator play the role? Please guide, How can we avoid that ?

[@Subhransu1Rath1]

What is the difference between 1- Net cash flow, 2- Reserve, 3-cash equivalent, 4-free cash flow 5- cash flow operation and why they don't match with net profit of many listed company... Please take this question.

[@ujjwalagarwal860]

EK INTERESTING QUESTION All "Araam se troll" kare aur politics ki baat isliea karte hain na taaki comments engagement badh jaaye?? Big fan btw... Love your commentry on economics, politics and the market

[@rajeshrai8295]

I too feel that Basant sir love only the party, he is seen hating. His concern about the party getting lesser seat than widely expected can be perceived it last todays video. I think hate the party is his stunt to get algo attraction let it be negative.

[@sapantripathi3324]

Dear Sir which stock we should prefer tobbuy __ Blue chip down 10 to 15 % from 200 dma.or stocks which falls very less in market fall ,sebi does not restrict for this guidence .pls Regards Sapan

[@LenovoA-bn4ce]

Always informative and entertaining sir. Thank you. I like your advice about the consumer sector. I want to play it safe.

[@clickedutechbiplob7924]

sir.. main to 2021 ki bat markrt main hu... yes bank 10000 qty - 16.00 rs main buy kiye.. 10 sal k view hai.. YES BANK main apka view.. bohot bar qus diye.. plz sir.. apka video 15-16 month se dekta huuu. 2 times.. everyday.. kolkata sai..

[@goodviews5357]

I would Sell it immediately. Very risky

[@vikramchaudhary440]

Better stocks in market.

[@ANILKUMAR-ml5uh]

Niklo....jaldi

[@Savcult]

You will loose

[@Procaremedicos]

Dear sir, always amazed by your knowledge focused on growth. Pls guide which one should I keep between HDFC bank v/s Icici bank and HCL Tech versus Happiest minds. Sir it would be great if you can explain with numbers the way you do.🙏💐

[@vibhamehta147]

I truly appreciate and admire your honesty and wisdom, Basantbhai. Stay blessed

[@Tarun_AS]

Sir, wow! What an analysis on how to look at microcap stocks!🙏Thanks Sir.

[@vkumar3222]

Aaj bht acche fundamental questions.. maza aa gya sir

[@prof.budgujer6723]

Only refined and great soul can consider the spitting on face question. Great salute to your personality, sir

[@Aniket_Singh_IIT-BHU]

नमस्कार!! The Thoughtful Investor में आपने एक जगह लिखा है की business में entry barrier नहीं होना चाहिए जिससे बाकी players भी एक point of time के बाद enter हो market में और industry size बड़ा करने में मदद करें लेकिन फिर अगले ही chapter में आपने लिखा है की business का एक specific MOAT होना चाहिए जिस वजह से एक entry barrier बने और company को pricing power का advantage मिले... इसको थोड़ा समझा दीजिये...

[@rastogiasit3739]

Ye khud confus h

[@sameer6356]

Sir Polycab reported blockbuster results Can I buy at this level?

[@dipanjanmondal4047]

wSir, thank you so much for taking my question yesterday & not taking my name. I had asked a few questions earlier but you could not take it, I understand that you get so many questions & it's difficult to take all questions. People like me at times fill bad (thinking that you are ignoring them) but You also should do justice to your content. I admire your knowledge not only about stocks & market but about life. I love the way you speak truth so bluntly, very few people can do that. Thank you 🙏

[@manishjoshi6674]

Dhikkar &Shame on Persons who are using derogatory and abusive words for basant sir. SIR Thank You For Sharing Your Precious Knowlege !High Regards !

[@jayc7887]

Sir, what do you think of transformers business? Do companies producing transformers have future growth prospects?

[@prarthnasingh5744]

Hi Sir !Thank you for your guidance. Could you please analyse shares of Hathway and Den Networks?As these are undervalued as of now but what about their future growth prospect?

[@Delta.Hedger]

Who watches cable TV in SM world, internet has made their business go bankrupt. Heavy degrowth business.

[@anuragsriram2782]

Sir can you please take my question will making real estate transactions through bank mandatory & criminalising cash transactions for both rentals & outright purchase result in bridging wealth gaps, as banks will have more liquidity.

[@shanisrivastav3620]

Sir Phle Itna social media bhi nahi tha..... Jab se net sasta hua hai tab se ye Bahut jyada badh gya hai.... Isme system or govt. Ka koi problem nhi hai...

[@abhiroyal89]

Creditaccess gramin MFI delivering excellent results past 7-8 qtr, stock price flat. What should be approach in this type of stocks?

[@lovetools3791]

Thankyou so much sir very knowledge 🙏

[@lavilife_products]

Contractors or drone or solar power installation?? Micro cap is good model?

[@koushikdey3569]

How can I detect an operator in a stock, specially small and micro cap. Is it continuous upper circuit and then continuous lower circuit?

[@ravirajgodse8846]

Very genuine advice Sir. Like Master Shifu ( Kung Fu Panda fame ) you are guiding idle pandas like us to help realize the potential of the stock market and more importantly ground realities of the investment world. Thanks a ton! I recommend your videos to novice investors from my hometown and they have started investing in your smallcase.

[@sunitsingh8887]

Sir,I am new to your channel and very impressed,how can buy your books on stocks.

[@arupchakraborty4321]

Sir, Geospatial Technology, location tracking sector kaisa hoga , 3-4 listed share hai iss se tor mein , map my india, ceinsys tech , cybertech system, genesys international all small and microcap, please answer

[@shobhitarora5731]

I have been listening to you Sir for almost six months and love you for your intellect and pun.

[@subirlabana]

Basant’s ji , I’m subscribe of all the three small case , u haven’t taken my question thus far ! If blue chip company 200 day moving avg is low , is it ok to buy shares like Asian pain , bajaj fin, hdfc, pedialite etc, kindly educate, thanks

[@Pradeep.Singh.Rathore]

BM sir...I have a question about PE rerating/derating. How is it done? Is it just based on a companies performance, or are there other factors involved? Secondly, how often is PE rerated?

[@bobbypatni297]

Gentleman Sir Good Evening Sir What is Deep in the Money Meaning kindly Explain Thanks And Regards

[@anujg26]

Hello Sir, you said that you are not allowed to give any forward looking statements in share market then why TV chartist are allowed to do the same?

[@Thevalueinvest]

tata motors,cdsl ki result aya solid bm ne discuss nehi kiya kiyun ki usne ek bar bolatha jo hume hold karte he uske bare me discuss karte he nhi jyda ....🙂😉

[@kriti__kundu]

Hi Sir, I'm a big fan of you, love you Sir. seeing your video for 1 year. Sir, Can you pls explain the term Goodwill and how it is adjusted ?

[@mrinalchandra5849]

Sir, it would be very helpful if you analyse march,2024 Quarterly results of large cap stockes!!just very brief result analysis..

[@sumantakar01]

Sir whats going on bajaj fin ? Stock price stagged for 2-3 year, in spite of good result.. your current view on this stock...plz sir ❤

[@pilotpawanc]

Basant Ji Go Digit IPO mein investment try karna chahiye?

[@Ankur5049]

Parnam sir Aaj m upset feel kr rha hu m just COVID se pahle se market me hu Maine lagbhag 18 to 20 % cagr se return bnaya hai. Before 4 June today I cut 25% my portfolio for rebalance and switch to bm focus but it can't done today.

[@piyushmittal3659]

Its also a wonderful knowledge class 🎉

[@krishannain7572]

By pouring the drops of your brilliant knowledge one by one, you are filling our pitcher of wisdom, sir. Great ❤u Sir !

[@himadrichakraborty7115]

Sir I watch your all videos. Will you please explain Cash flow of a company in detail (cash from operating, investing and financial activity). What should we consider in cash flow before investing in a particular company?

[@kakadevs]

Sir , Infosys had taken an acquisition of European Vehicle ecosystem R&D company " In-Take " kind of KPIT / Tatatech in Europe . Market will surely add valuation for this acquisition.

[@hitherthither5712]

Your mind runs faster than "Chacha Chaudhary"'s mind, Thanks for sharing your thoughts!

[@asifibrahim4746]

Sir ,Usa stocks financials kaun Sa website dekh hain , can u please suggest .

[@harshvhattila]

Sir आपकी होल्डिंग्स का Dividend भी Operating Income में शामिल हैं क्या, I am unable to subscribe Smallcap Smallcase from long time, if I invest monthly than which stocks included in this EMI stocks my old subscription portfolio or current Smallcap Smallcase stocks

[@ranjeetkumar-zy3ci]

Sir y deep cut in market Matlab kya samjhae as u said index m Kitna and stock wise in general Kitna correction aaye ga. Plz share ur bold view. I appreciate the way u give bold answer to troller.

[@AS-gf3ci]

Sudden "Tempo" reference took me by surprise. Sirji great ho aap. My mother thought I was watching some standup videos since I laughed out loud.

[@chandrashekharrao5774]

Sir ; one query. Just few days or week before q4 results out ; officials working in company sell their shares and q4 results not ok resulting in share prices crash ; will be considered as insider trading and liable for punitiatve action ?

[@princepreetsingh8882]

Good afternoon sir , Brilliant analysis and unparallel commitment 👏 👌 ❤❤

[@shekharpatil29]

Why Adani shares are not falling with the speed they should in the given circumstances? Because if they fall, outcome would be obvious.

[@AK-fy8qf]

स्टॉक्स price मेरे गिरे 24% लेकिन आज १% भी ऊपर नहीं गया। सिर्फ index को मैनेज किया जा रहा बिकवाली जारी hai

[@ishrafilgouri2741]

Index mai invest😮

[@premprakashshete1009]

कोन से अजूबे stock है भाई

[@knuckles_the_echidna_3869]

Sir me ek nri hu, kal me ne Sydney se aapke office pe call kiya tha my retirement fund ke investment ke liye. Par voh lane me bahut dikkat hain( official) . Par mera question tha ki me har mahine Rs. 260000 ( 2 lakh 60k) every month regular mutual fund me invest karta hu next 25 years ke liye 4 small cap funds and 2 flexi cap funds more than half money going in small cap funds , mera target 250 cr. To 500cr hain , is it possible sir? Please mera question lijiyega.

[@sarbjitsinghchawla7374]

Basant ji Why the Nim of Nbfc are higher compare to banks ? . As banks have strong casa deposit ratio and hence their NIM should be higher compare to NBfc

[@Hashmy007]

Sir, pls explain Working Capital Changes in Cash Flow statement. Kuch companies ka ye agar negative hota hai to stock value impact hota hai ???

[@Vaishnavi1458]

Sir if market is rest movment but now chance to buy large cap after correction market is going up definitely sabre to karna hoga jee dhanyawad

[@dharanidhruv406]

🇮🇳🇮🇳Sir, Suppose PBT is X Then PAT is 2X How is that possible in which circumstances it will happen and is it good bad or neutral?? Does this kind of figures are make sense while investing how they impact i could not really understand please explain as soon as possible🙏🙏 I will look up for your explanation eagerly❤🇮🇳🇮🇳

[@vishalchelani]

Sir, I am your focused smallcap smallcase subscriber, kya aap please bata sakte hain ki aap kitne quarter ki earnings dekhte hain before you decide to take out the stock out of your small case, if the company is not doing well..... will be very helpful in learning.... Thanks!

[@AJAYGUPTA-gp4fz]

Namaste Basant sir. Plz update about it stocks. Why falling much

[@captanantthind6124]

Sir pls advise your take on GDC in India. Thanks.

[@nitinpatel7560]

Namste sirji... Nitin Atlanta Why government keep changes in policies,,,,in India. Which government can keep constant policies .........

[@Shashwata_Pandey]

Sir 2 minute analysis on MUFTI…with rising roe and lower pe for a consumer stock is it a value buy or a value trap?

[@capricornus993]

Hi Mr Basant, request 2 min analysis on Dr Reddy’s - I think the company’s at a good valuation based on your guidelines. Would love to know your views on it for the next 3-5 years. I’ve read your book but must admit it was a pirated copy since I’m currently based in Canada.

[@Manoj_Mumbai984]

सर 2019 में भी ऐसी ही हवा थी social media पर और फिर रिजल्ट वाले दिन जो हुआ वो सबसे अलग ही था। इसलिए क्या इन अंदर की बातों को इतना गंभीरता से लेना चाहिए?

[@abhisheksoni751]

Good evening sir ❤ Aapka dedication gazab ka h😊

[@pradippal1963]

Sir stock market ka koi expert nahi hota hai. Jo jitna jada jaanta hai stock market me oye utna paralised hota hai. Mera 15 sal ka stock market investing journey me dekha hai jab bhi koi so called expert ka, eya to kitabo ka gyan manke invest kiya, tab tab mene kam kamaya. Jab jab aapna bivek buddhi se invest kiya tab tab jaada kamya. Mene kabhi bhi bahut jada analysis nahi karta. Management ke bare thora bahut khabar leta hun, kun sa sector me company kam kota hai o dekta hun, PEG ratio dekhta hun, DE ratio, ROE, ROCE rato dekhta hun, current ratio dekhta hun, top line, bottom line growth dekhta hun, 10yrs, 5yrs and 3yrs CAGR dekha hun aur operating profit dekhta hun. Bas etna hi analysis me korta hun. Invest korke patience rakhta hun. Ish se aachha paisa ban raha hai.

[@AnilSharma-mr7jf]

One additional information to your points about Micro Cap stocks....Sir aissey shares ko Chanda bhi nahee dena padta...like AIRTEL etc...Isn't this an additional point...that the share will rise further 😊

[@sunilchandra3168]

Namaskar Sir, please guide about *Accredited Investors shall qualify eligible criteria as defined under IFSCA-IF-10PR/1/2023-Capital Markets dated January 25, 2023. for Indian investors willing to invest in USA

[@pkid2k]

Dear Basant Sir, hope you are doing well. I am a subscriber of your BM focused small cap smallcase Your videos during this tough election season are navigators and act as a guidance for lacs of people. 2 min analysis on Systematix Corp. please.

[@anitoshtapadar713]

@Anitosh from Kolkata Sir 2 question hai,pls answer.. 🙏 1..keya abhi listing gain ke leye ipo pe lagane ka time hai?? 2..zomato jaisa share ROE ROC NEGATIVE,PE nehi hai..fir v fis & dis share holder increased ho raha hai..kaise dekhe isko?? Thank you PRANAM SIR🙏🙏

[@equityinsight108]

Heard Ramdev Agarwal in a interview, he was telling corporate earning depend on which government comes to power. Your view please.

[@RajeshGupta-nf9vn]

Sirji, it is only your inspiration, confidence & passion that i could be able to come true my dreams of self driving trip to entire Uttrakhand in India. It would take almost 40-45 days with easy solo travel & relaxation. But your two videos everyday is still a part of my daily routine together with work from mountains.

[@9991860102]

basant sir mere pas elecon engg . ke share hai 1000 or tv wale khe rhe hai 20percent niche jayga bech du kya please advise

[@nikhilgupta7817]

we live in Czech Republic and people are very helpful here.

[@mriduljoshi8705]

Sir, with respect to your book, don't you think it's better to invest in risky companies when they are calculated bets rather than investing in moderately winning companies if you want to make big money

[@mukeshdabra]

That’s true Sir. Good example to describe Jai Mata Di 🙏🏼

[@user-fr5il3yz5n]

My question sir :- In out-of-the-money options, if the positions remain open even after expiry, then the exchange will get 0.05% of the open interest.

[@sandeepwadhwa8371]

🙏Basant sir, main Sandeep wadhwa chandigarh se hu, fabric ki shop hai, thoda thoda invest kerta hu, 7 lac invest Kiya hua tha, ab wo bhi nikal liya hai , 4th June ke baad lagaunga sirf idea lene ko apka small cap liya hua tha,, 1 month back khatam hua hai, ab subscribe nai kerwaya, 1st June ko subscribe kerwaunga, , yah question main puchna chahta hu, GE SHIPPING ka PE ( 5.4 ) itna low kyon hai 17000 cr market cap ki company aur 900 cr ka profit, phir bhi itna low PE kyon hai SHIPING CORPORATION OF INDIA ka 15 ki PE hai GE SHIPPING tax bhi 0% de rahi hai kai saal se Aisa kyon hai??

[@ajitabhsrivastava1296]

Hello Besant Sir Mera naam ajitabh hai... Mai call put ni krta but market ka direction sirf nifty mai... future lekar put se hedge krta hu... Jo bi usse kamayi hoti hai usse nifty etf midcap etf and IT bees in sab etf mai laga deta hu... Aisa kr k maine 10L pr 12L profit Kiya hai 1 saal mai... Ussi ka mera portfolio SIP mai hai.... Maine kch stocks jaise ki Schaeffer india,Galaxy Surfactants... Voltamp transformer mai bi nivesh kiya hai... Kya mera approach sahi hai

[@chiragdhingra6214]

Great commentry sir on microcap..echo your thougts Can you please do 2 min Analysis on Droneacharya 🙏 Pls

[@rohitsarda7997]

Hello Sir Rohit Sarda here My Question is from 3-4 weeks se market toppish behaviour kara h aise aapke baaton se aur chart se lagra h Kya ye bear market ki preparation ho sakti h? Agar aisa hora h aur hume lagra h ki election h isliye aisa hora h!! Toh aage jake hum buying karenge election k baad aur market bear market shuru hoagaya hoaga toh kya karenge?

[@AlokKumar-gr9er]

Hi Sir. In options trading , I have lost money . Even my friends have lost money. So want to understand who actually makes money in buying or selling options?

[@shally7777]

Dear sir I know you don't have time to answer every comment but still I request you to please shaire your expertise ...sir what is the procedure to invest in unlisted companies and is this legal as low of our country ,RBI,SEBI