anshul gupta
@anshgupta64
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Co-founder & Chief Investment Officer @WintWealth || @iitroorkee alum
Bengaluru, India
Joined August 2011
Why does India have 4 funds transfer systems? And what are the differences between them?
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6 month tenor CRISIL "A" rated bond is giving 11% annualised returns. The yields for bonds (fixed income credit) is really very lucrative when compared to volatility that we are seeing in equity markets.
Here’s what we think will work now,. - Sell Gold (Might not be able to generate fixed income returns in 2025 from here on). - Sell US Stocks (Book Profits). - Buy India Equity (Large Caps). - Buy Fixed Income (Credit).
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RT @ajinkyamkul: First step towards creating a central bond platform. Today, Online bond platform association launched Bond Central to hel….
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RT @bipul_4u: Discovered @WintWealth through their quality YouTube videos. Was sceptical about the #CorporateBonds on their app. It has bee….
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For example, anyone earning upto 12 lakhs (including interest income) will now have to pay zero tax on FD and bond interest income. With “A” rating category bonds giving 11% returns and above, many investors would end up with double digit post tax returns in them. (2/2).
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One of the most underappreciated things about the budget has been that how fixed income (FDs, bonds, debt MF) has become very lucrative on a post-tax basis for majority of the investors. (1/2).
How will debt MFs be taxed post April 2025? . Bought before April 2023? 12.5% LTCG . After April 2023 - slab rate, regardless of holding period. Could work out better since slab rates got cut & the rebate applies < 12 lakhs. Story by @sashindnj .
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Introducing Wint Wealth’s new identity: the Elephant. In a market dominated by bulls and bears, we aim to build fixed income. The Elephant serves as a reminder to keep your emotions in check, focusing on long-term goals above market noise.
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Our NBFC Wint Capital did its first listed issuance this month. NCD was issued under new SEBI regulations which allow retail investors to invest in bonds at ticket size as low as ₹10,000!.September was also special because our NBFC crossed cumulative disbursements of 250 Cr🚀.
Sachetization of Bond Market is here :). So far 99% of the bonds had a minimum ticket size of 1 Lakh. This made this asset class inaccessible for most of the investors. In today’s board meeting, SEBI has approved to reduce the ticket size to only 10,000/-
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More details about the structure are available at below rating link:.
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The structure carries an guarantee given by HDFC bank of 5%. This means any losses coming from the pool upto 5% will be absorbed by the bank. The structure has been given AAA (highest possible rating) by the rating agency.
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The portfolio being sold down consists of 1.08 lakh loans given to borrowers for purchase of new cars. These loans had:.1) Average initial loan amount of ~10.5 lakhs.2) Average original loan to value of ~85%.
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The benefit for the bank is that it gets liquidity(which is critical considering deposit crunch in the system). It also provides capital relief(since bank need not provide complete capital for the portfolio being sold down) which will increase the capital aqequacy ratio.
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Securitisation is a structure under which a bank/NBFC sells a portion of its portfolio to investors and receives money in return. This is done by issuing rated securities which are backed by the portfolio being sold.
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HDFC Bank is selling down ~9000 Cr worth of its car loan pool via securitisation transaction in which many mutual funds are expected to invest. A brief🧵.
After IDFC & RBL Bank, now HDFC Bank is looking to enter the securitisation market with a 10,000 Cr portfolio sale in which leading mutual fund houses may participate.
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After IDFC & RBL Bank, now HDFC Bank is looking to enter the securitisation market with a 10,000 Cr portfolio sale in which leading mutual fund houses may participate.
After IDFC Bank, now RBL Bank has also entered the securitisation market to raise funds. Fight for deposits is nudging banks to explore alternate sources of capital.
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After IDFC Bank, now RBL Bank has also entered the securitisation market to raise funds. Fight for deposits is nudging banks to explore alternate sources of capital.
IDFC bank has done an interesting securitisation transaction. A brief 🧵 on this:
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RT @Rainmatterin: Retail participation in bonds, particularly corporate bonds, has not taken off as it has in equities. This is largely due….
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My article in @livemint on recent decision by SEBI board to reduce the ticket size of bonds to ten thousand from One Lakh.
#PersonalFinance | #Sebi approved reducing the minimum ticket size for privately placed listed bonds from Rs1 lakh to Rs10,000, impacting investors, the bond market, and issuers - ✍ writes Anshul Gupt.
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This is perhaps the biggest reform for the bond market and marks a significant milestone in mainstreaming bond investments. Really excited for what lies ahead and how this will shape up the industry. Onwards and upwards. 🚀.SEBI link:.
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