Marico is undoubtedly the gold Standard of FMCG concalls

- Rich disclosures

- Concall always has an insightful commentary from the CEO

- What the company is thinking and doing is clearly told or answered over the call

- Nothing left ambiguous!

No reco.

#FMCGwithJST

More from Aditya Kondawar

Paytmmmmm Karooooooo! Most of us have heard this jingle right?

After the much-celebrated #IPO of Zomato, all eyes are now on #PayTM!

So let's not wait and let's understand everything about PayTM in the below thread 👇

1/

- The DRHP mentions a Rs 16,600 Cr Fundraise
- Split - 50% Fresh, 50% OFS
- Valuation of $25-30 billion targeted from this IPO

Let’s put all of these numbers into perspective here –


2/

Some big numbers, right? Ok back to PayTM now –

What does it do?

Well, it does a lot of things but at the core of it let's term it a fintech company.

- It started as a digital wallet-based platform focused on mobile SIM top-ups and utility payments in 2010


3/

- They pivoted to marketing, mobile phone top-ups, payments, e-comm, then a full-scale fintech services company – The avatar that we see today

- The Paytm ecosystem has payments (wallet / UPI), merchant acquiring, credit, savings, broking, wealth management, and insurance.


4/

Total users - 333 mn
Monthly active users - 50 mn
Merchants - 21.1 mn

RedSeer - Paytm has a payments transaction volume market share of ~40% and wallet payments transaction mkt share of 65-70% in India for FY21
A list of all the articles that we have created - From Banking to Fiber!

The content in the articles has been written in a very simple language which will help you learn everything about the sector and/or the company!

Do Retweet and help your fellow tweeples learn!

Let's go 👇

Starting with Financials -

A to Z of Banking, all basics of banking explained -

https://t.co/tMfB73CHYs

Top 5 Banks and their strategies -

https://t.co/aivfUtuw9g

Large Bank - HDFC Bank - How did HDFC Bank become HDFC Bank -

Mid Sized Bank - Kotak Mahindra Bank

How did they avoid all NPAs from 1999? What makes Uday Kotak's Concalls a goldmine of information on the Banking sector? Everything explained!

We have given details from 1999! The most comprehensive article ever!

Large NBFC - Consumer Durables Play - Bajaj Finance

From its origins to how it gives 0% EMI to how it earns money from manufacturers - everything explained!

More - Origins, Products, Loan Book, Cross-Selling, Risk management, Concalls of 8 Years,

Gold NBFC - Manappuram Finance

Origins (with fun facts)

Products, 10Y Financials, Business model and how do they make money, How does a gold loan work, Operational efficiency, peer comparison, mgmt commentary, why we don't like the stock, and much

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"I really want to break into Product Management"

make products.

"If only someone would tell me how I can get a startup to notice me."

Make Products.

"I guess it's impossible and I'll never break into the industry."

MAKE PRODUCTS.

Courtesy of @edbrisson's wonderful thread on breaking into comics –
https://t.co/TgNblNSCBj – here is why the same applies to Product Management, too.


There is no better way of learning the craft of product, or proving your potential to employers, than just doing it.

You do not need anybody's permission. We don't have diplomas, nor doctorates. We can barely agree on a single standard of what a Product Manager is supposed to do.

But – there is at least one blindingly obvious industry consensus – a Product Manager makes Products.

And they don't need to be kept at the exact right temperature, given endless resource, or carefully protected in order to do this.

They find their own way.