Uncategorized Archives - My Portfolio

Laxmi India Finance Ltd. IPO

July 27, 2025July 29, 2025 Kunjbihari Kumawat

🏦 Company Profile Laxmi India Finance Limited is a Jaipur‑based non‑deposit-taking NBFC, categorized as an RBI NBFC‑Middle Layer. It originally operated as a proprietorship in the 1990s and became a public limited company in August 2024. It primarily lends to MSMEs, vehicles, construction, and small‐ticket retail customers, emphasizing financial inclusion and underserved markets. Strengths & Considerations ✅ Strengths Focus on MSME financing, which offers both growth and Priority Sector Lending advantage. Well-capitalized, expanding branch footprint across five states, and improving borrowing costs via diverse lender pool (~47 lenders). Strong profit momentum…

Travel Food Services Ltd. IPO

July 5, 2025July 9, 2025 Kunjbihari Kumawat

Travel Food Services Ltd. (TFS) is a Mumbai-based operator specializing in Travel QSR (quick-service restaurants) and airport lounges, primarily across Indian and Malaysian airports, with a fast-growing presence in the travel food & beverage sector. Here’s a detailed look: 🛬 Overview & Operations Founded in 2009, TFS is promoted by SSP Group plc (listed FTSE 250) alongside the Kapur Family Trust—holding 49% and 51% stakes respectively. As of June 30, 2024, TFS operated: 397 Travel QSR outlets (335 in 14 Indian airports, 30 across 2 Malaysian airports, and 32 highway…

टैक्स दक्षता बढ़ाएँ: वित्तीय वर्ष के अंत से पहले लॉन्ग-टर्म और शॉर्ट-टर्म लाभ समायोजन करे…

March 12, 2025March 12, 2025 Kunjbihari Kumawat

जैसे-जैसे वित्तीय वर्ष समाप्त होने को आता है, निवेशकों को अपने पोर्टफोलियो की समीक्षा करनी चाहिए ताकि वे अपने टैक्स देनदारियों को अनुकूलित कर सकें। सबसे प्रभावी रणनीतियों में से एक है लॉन्ग-टर्म और शॉर्ट-टर्म पूंजीगत लाभों को मौजूदा हानि के साथ समायोजित करना। इस प्रक्रिया को टैक्स-लॉस हार्वेस्टिंग कहा जाता है, जिससे टैक्स बोझ कम होता है और निवेश पोर्टफोलियो संतुलित रहता है। पूंजीगत लाभ और हानियों की समझ 1. शॉर्ट-टर्म कैपिटल गेन (STCG): 12 महीने से कम समय के लिए रखी गई परिसंपत्तियों से प्राप्त लाभ आपकी लागू…

Apply for Refund Under GST by an Unregistered Person

May 17, 2024May 21, 2024 RAJU LAL KUMAWAT

Decisions taken by the Council was for the government to lay down the rules for unregistered persons to file a refund application under GST. This decision was taken due to some transaction where an unregistered buyer had entered into a construction agreement or contract with a builder, but the said contract had been subsequently cancelled. Another situation could arise where long-term insurance policies are cancelled where the entire premium had been paid upfront. Who is take refund as an unregistered person -Unregistered person of construction services In this case, unregistered persons…

GST Composition Scheme and Concession Tax Scheme

April 26, 2024May 8, 2024 RAJU LAL KUMAWAT

GST Composition scheme and Concessional Tax Scheme

Composition Scheme is a simple and easy scheme under GST for taxpayers. In which small taxpayer pay tax a concessional rate instead on normal tax rate and they are also not eligible to take input tax credit. Who is eligible to opt GST composition Scheme Following Person is eligible for composition Scheme and Concession Tax Scheme Basis Composition SchemeU/s 10(1) & 10(2) Concessional Levy SchemeU/s 10(2A) 1 Optional Scheme It is an Optional Scheme It is an Optional Scheme 2. Eligible Person >Manufactures [Other than notified Goods]-Ice cream,…

AMC list for Kfintech & Cams

April 9, 2024April 16, 2024 Kunjbihari Kumawat

RTA expands to Registrar and Transfer agents. RTAs help mutual fund companies with record maintenance. RTAs give investors a single-window reference for all their mutual fund investment-related information. They are private firms and are registered with the Securities and Exchange Board of India (SEBI) Registrar and Transfer Agents (RTAs) play a crucial role in the functioning of mutual funds. They are intermediaries responsible for maintaining investor records, processing transactions, and providing various support services to mutual fund investors. Here are two major well-known RTAs in India: CAMS (Computer Age Management…

Update Nomination in Mutual Fund Folios…

September 22, 2023September 22, 2023 Kunjbihari Kumawat

Further, to our earlier communication, request you to kindly guide your individual investors to update their nomination details in their respective folios for successful processing of their transactions and avoid any rejections at the RTA. The link shared by the RTAs wherein the investors can update the same directly are attached for your reference. Link for CAMS RTA to update the nomination in existing folios: https://www.camsonline.com/Investors/Service-requests/Nomination/Nomination-Opt-in_&_Opt-out Link for Kfintech RTA to update the nomination in existing folios: https://mfs.kfintech.com/investor/general/NCTNomineeUpdation#

Most Important… Mail & Mobile Verification for your KYC…

September 16, 2023September 16, 2023 Kunjbihari Kumawat

Dear Investor, With reference to the SEBI Circular “SEBI/HO/MIRSD/DoP/P/CIR/2022/46” dated April 06, 2022, where SEBI has granted an additional 15 days of timeline to the KRAs, from the original date of implementation [May 01, 2023] new guidelines are to be followed by KRAs (KYC Registration Agency) to validate the records of clients (existing as well as new) whose KYC has been completed using Aadhaar as an OVD (Officially valid document). As a part of the validation process, mobile number/email id available or registered in the KRA records for the investor(s) PAN must be validated…

How to Invest in Equity/Stock Market

September 1, 2023September 1, 2023 Kunjbihari Kumawat

Investing in the stock market can be a smart way to grow your wealth over time, but it’s important to approach it with careful planning and knowledge. Here are the basic steps to get started with stock market investing: Educate Yourself: Start by learning the fundamentals of stock market investing. There are many books, online courses, and resources available to help you understand how the stock market works. Set Clear Goals: Determine your financial goals and risk tolerance. Are you investing for retirement, a major purchase, or something else? Your…

Be cautious…Your Pan Card will be invalid from 1 July 2023… LINK YOU AADHAR

June 29, 2023July 11, 2023 Kunjbihari Kumawat

The linking of PAN (Permanent Account Number) with Aadhaar (Unique Identification Number) is mandatory for individuals in India. This requirement was introduced by the Indian government to curb tax evasion and ensure transparency in financial transactions. The government introduced this requirement to ensure transparency and prevent tax evasion. Currently 30 Jun 2023 is the last day to link your PAN & AADHAR. Here are we help to check the PAN & AADHAR link status and, if the not linked, then the process to link them. STEP 1 – To Link…