Union Budget 2025: What Tourism Sector Received?

India’s tourism sector, with its rich heritage, culture, and diversity, is emerging as a global favorite. The sector plays a crucial role in driving economic growth, and the government has recognized its potential for generating employment and development. India achieved a rank of 14th worldwide in global tourism receipts, receiving 1.8% of world tourism receipts in 2023, highlighting its growing significance in the global tourism market.

Budget 2025-26 Allocation to Boost Tourism

In the Union Budget 2025-26, the government has allocated ₹2,541.06 crore to enhance infrastructure, skill development, and travel facilitation within the tourism sector. This includes initiatives aimed at upgrading facilities and ensuring smooth travel experiences.

A significant initiative in the budget is the development of 50 top tourist destinations in collaboration with state governments through a challenge mode. The goal is to provide world-class facilities and improve connectivity to these sites, making them attractive for both domestic and international tourists.

Landmark Initiative for Infrastructure Development

Finance Minister Smt. Nirmala Sitharaman introduced a landmark initiative to enhance the tourism infrastructure by developing 50 key tourist destinations in partnership with states. The states will provide land for critical infrastructure, including hotels, which will be categorized under the Infrastructure Harmonized Master List (HML) to attract investments.

The government will provide ₹3,295.8 crore in interest-free loans for 40 tourism projects across 23 states under the Special Assistance to States for Capital Investment. These funds will facilitate the creation of globally recognized tourist destinations through development and strategic marketing.

Swadesh Darshan Scheme 2.0 and Skill Development

The Swadesh Darshan Scheme 2.0 will continue expanding, focusing on sustainable tourism. The scheme has already approved 34 projects with a total funding of ₹793.2 crore. Additionally, ₹60 crore has been allocated for skill development in the tourism sector, specifically targeting hospitality management and related services.

Conclusion

India’s government is committed to positioning the country as a global leader in tourism. This involves enhancing infrastructure, creating employment opportunities, and promoting diverse tourism segments, including spiritual, medical, and heritage tourism. Initiatives like “Heal in India” and the Gyan Bharatam Mission, which preserves India’s manuscript heritage, further strengthen this vision. With a focus on ‘Seva’ and ‘Atithi Devo Bhava,’ India aims to redefine its tourism landscape and establish itself as a world-class destination.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

RBI Monetary Policy Rate Decision: Governer Sanjay Malhotra Slashed Repo Rate by 0.25%

On February 7, 2025, Reserve Bank of India Governor Sanjay Malhotra announced a 25 basis point rate cut in his inaugural policy meeting as head of the central bank. This marks the first rate reduction after 12 consecutive policy reviews by the Monetary Policy Committee. The repo rate has been lowered from 6.5% to 6.25%.

In addition, both the Standard Deposit Facility and the Marginal Standing Facility have been reduced by 25 basis points each. The MPC also unanimously decided to maintain the policy stance at “neutral.”

India’s financial year 2026 Gross Domestic Product (GDP) growth is seen at 6.7%, Governor Malhotra said, adding that he expects food inflation pressures to see “significant softening.”

Projection for GDP Growth

GDP growth for the first quarter of FY 2026 is projected at 6.7%, with 7% growth in the second quarter, followed by 6.5% in both the third and fourth quarters. On the inflation front, Governor Malhotra forecasts a 4.8% rate for the current financial year and 4.2% for FY 2026. The CPI for the current quarter is expected to be 4.4%. The risks to both growth and inflation are considered to be evenly balanced.

The Governor also commented on the recent depreciation of the currency, emphasizing that the RBI’s exchange rate policy remains consistent. He clarified that the central bank’s interventions in the forex market aim to smooth out volatility, not target a specific rate or band.

Additionally, the RBI has extended two-factor authentication for international digital transactions to offshore merchants.

“MPC noted that inflation has declined, supported by a favourable outlook on food and continued transmission of past monetary policy action. It is expected to further moderate in 2025-26, gradually aligning with the target. The MPC also noted that while growth is expected to recover from the low of Q2 of 2024-25, it is much below that of last year. This growth-inflation dynamic opens up policy space for the MPC to support growth, while remaining focussed on aligning inflation with the target,” Malhotra said.

“Will continue to monitor evolving liquidity & financial market conditions & proactively take appropriate measures to ensure orderly liquidity conditions as required for the system,” the Governor also said, after the liquidity-related announcements last week.

Impact of Cut in Repo Rate

When the RBI lowers the repo rate, all external benchmark lending rates (EBLR) tied to the repo rate will decrease, providing relief to borrowers as their equated monthly installments (EMIs) will reduce.

Lenders may also lower interest rates on loans linked to the marginal cost of fund-based lending rate (MCLR), particularly where the full impact of a 250 bps increase in the repo rate between May 2022 and February 2023 has yet to be reflected.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

SBI Share Price Trade Lower After Release of Q3FY25 Earnings

On February 7, 2025, SBI share price fell 1.11% and touched the day low of ₹740.55 at 09:50 AM, after opening at ₹761.80. The fall in SBI share price came after the release of Q3FY25 results. During Q3FY25, the bank achieved a significant increase in profitability, with a net profit of ₹16,891 crores, reflecting an impressive growth of 84.32% year-on-year (YoY). The operating profit for the same period grew by 15.81% YoY, reaching ₹23,551 crores. The return on assets (ROA) for the 9-month period ending FY25 stood at 1.09%, while the return on equity (ROE) was 21.46%.

Notably, the bank’s ROA for Q3FY25 saw a year-on-year increase of 42 basis points (bps), standing at 1.04%. Net Interest Income (NII) for Q3FY25 also demonstrated positive growth, increasing by 4.09% YoY. The whole bank and domestic net interest margins (NIM) for 9MFY25 were recorded at 3.12% and 3.25%, respectively, while for Q3FY25, they stood at 3.01% and 3.15%.

SBI Balance Sheet Highlights

The bank’s balance sheet showed strong growth, with credit growth at 13.49% YoY. Domestic advances grew by 14.06% YoY, and gross advances crossed ₹40 lakh crores. Foreign offices’ advances grew by 10.35% YoY. SME advances saw the highest growth at 18.71% YoY, followed by agri advances, which grew by 15.31% YoY. Corporate advances and retail personal advances registered YoY growths of 14.86% and 11.65%, respectively. Deposits for the whole bank grew by 9.81% YoY, with CASA (Current and Savings Account) deposits rising by 4.46% YoY. As of December 31, 2024, the CASA ratio stood at 39.20%.

SBI Asset Quality

The bank’s asset quality showed significant improvement. The gross NPA ratio improved by 35 bps YoY, standing at 2.07%, while the net NPA ratio decreased by 11 bps YoY to 0.53%. The Provision Coverage Ratio (PCR), including AUCA, improved by 25 bps YoY to 91.74%, and the PCR, excluding AUCA, improved by 49 bps YoY to 74.66%. The slippage ratio for the 9MFY25 improved by 8 bps YoY to 0.59%, while for Q3FY25, it stood at 0.39%, reflecting an improvement of 19 bps YoY. The credit cost for Q3FY25 stood at a low 0.24%.

Capital Adequacy & Alternate Channels

The bank’s Capital Adequacy Ratio (CAR) at the end of Q3FY25 stood at 13.03%, maintaining a healthy buffer to absorb any potential shocks and ensure financial stability.

Digital transformation has been a key focus for the bank, with 64% of savings bank accounts being acquired digitally through the YONO platform. The share of alternate channels in total transactions has also seen growth, increasing from approximately 97.7% in 9MFY24 to around 98.1% in 9MFY25, reflecting the growing adoption of digital banking services.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

NCC Shares Hit 10% Lower Circuit After Release of Q3FY25 Results

On February 7, 2025, NCC share price hit a 10% lower circuit at 213.75 after opening at 221.55. The fall in NCC share price follows the release of Q3FY25 earnings, wherein, it reported a 12.5% year-on-year (YoY) decline in net profit at ₹193.2 crore.

NCC Q3FY25 Performance

The company’s revenue from operations grew by 1.6%, reaching ₹5,344.5 crore compared to ₹5,260 crore in the same quarter of the previous fiscal year. However, at the operating level, EBITDA declined by 16.6%, totaling ₹420.9 crore in Q3 of the current fiscal, down from ₹504.4 crore in the same period last year. The EBITDA margin for the quarter was 7.9%, compared to 9.6% in the corresponding period of the previous fiscal year. EBITDA stands for earnings before interest, tax, depreciation, and amortization.

NCC 9MFY25 Performance

For the nine months ending December 31, 2024, the company reported a turnover of ₹16,165.55 crore (including other income), up from ₹14,440.86 crore in the same period of the previous year.
EBITDA for the nine months was ₹1,361.76 crore, while the net profit attributable to shareholders reached ₹566.06 crore, compared to ₹1,218.36 crore and ₹471.53 crore, respectively, in the previous year’s corresponding period.

The company’s Basic and Diluted EPS for the nine-month period were ₹9.02, up from ₹7.51 in the same period last year.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

Upcoming IPO: Veeda Clinical Refiled DRHP to Raise Funds Via IPO

Veeda Clinical Research has refiled its Draft Red Herring Prospectus (DRHP) with the market regulator, the Securities and Exchange Board of India (SEBI) for an initial public offering (IPO). The company had previously submitted its IPO documents to SEBI on September 27, 2021. The book-running lead managers for the IPO are Axis Capital Ltd, CLSA India Private Ltd, IIFL Capital Services Ltd, and SBI Capital Markets Ltd, while MUFG Intime India Private Ltd will act as the registrar.

Veeda Clinical Research IPO Details

Veeda Clinical Research IPO will have a face value of ₹2 and consists of a fresh issue of shares worth up to ₹185 crore, along with an offer-for-sale of up to 13 million equity shares from Promoter and other Selling Shareholders.

The Offer for Sale includes the following:

  • Basil Private Limited: up to 3,493,895 equity shares
  • Bondway Investments Inc.: up to 7,359,620 equity shares
  • Dr. S N Vinaya Babu: up to 810,000 equity shares
  • Sabre Partners AIF Trust: up to 690,210 equity shares
  • CX Alternative Investment Fund: up to 198,795 equity shares
  • Anushka Singh: up to 210,570 equity shares
  • Vikrampati Singhania: up to 81,694 equity shares
  • Harsh Pati Singhania: up to 40,847 equity shares
  • Anshuman Singhania: up to 40,487 equity shares
  • Siddharth Ramesh Kejriwal: up to 34,000 equity shares

Use of IPO Proceeds

The ₹50 crore raised from the fresh issue this upcoming IPO will be allocated as follows:

  • ₹35 crore will be directed toward capital expenditures for Bioneeds India Private Limited, including the purchase of equipment and machinery.
  • ₹10.89 crore will be used to repay or prepay specific borrowings for Bioneeds India Private Limited.
  • ₹33 crore will support organic growth for Veeda, Bioneeds India Private Limited, and Health Data Specialists (Holdings) Ltd, including marketing, technology upgrades, and the implementation of modern digital solutions to enhance operational efficiency and data management.
  • Remaining funds will be used for general corporate purposes.

About Veeda Clinical Research Limited

Established in 2004 and starting operations in 2005, Veeda Clinical Research began with a facility in Ahmedabad, Gujarat, designed for Healthy Volunteer Studies (HVS). Veeda offers a broad array of services, including both early and late-phase clinical trials, HVS focusing on bioavailability and bioequivalence studies, pre-clinical trials, non-clinical testing, and biopharma services such as non-clinical analysis and clinical bioanalysis for large molecules.

With a strong presence in key global markets, including North America, Europe, and Asia (including India), Veeda has become a key player in the clinical research industry. The company has a proven track record of compliance, having passed 119 global regulatory inspections for its HVS and pre-clinical services. In terms of financial performance, Veeda has shown consistent growth, with its operational revenue rising at a compound annual growth rate (CAGR) of 16.18% between FY 2022 and FY 2024.

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Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

GAIL India Shares to Trade Ex-Date on February 07: Interim Dividend of ₹6.50

On February 07, 2025, GAIL shares to trade ex-date, meaning that the shareholders registered in the company’s books will be eligible for the ₹6.50 interim dividend.

GAIL Dividend History

Ex-Date Dividend Type Dividend Amount (₹)
Feb 06, 2024 Interim 5.50
Mar 21, 2023 Interim 4.00
Aug  01, 2022 Final 1.00

GAIL Q3FY25 Earnings Highlights

GAIL (India) Limited reported a Revenue from Operations of ₹1,01,580 crores for the nine months ending 31st December 2024, compared to ₹98,304 crores in the same period of the previous financial year (2023-24). The company’s Profit Before Tax (PBT) for the nine-month period stood at ₹12,123 crores, reflecting a 39% increase from ₹8,713 crores in the corresponding period of the previous year. 

This growth was largely driven by exceptional income from the SMTS settlement, increased gas transmission volumes, higher realizations from liquid hydrocarbons, and improved petrochemical performance. Consequently, the Profit After Tax (PAT) also grew by 39%, reaching ₹9,263 crores, up from ₹6,660 crores in the same period last year.

On a quarter-on-quarter basis, the company saw a 6% increase in Revenue from Operations, which stood at ₹34,958 crores in Q3 FY25, up from ₹32,931 crores in Q2 FY25. PBT for Q3 FY25 rose by 46%, reaching ₹5,029 crores compared to ₹3,453 crores in the previous quarter, while PAT surged by 45%, amounting to ₹3,867 crores, up from ₹2,672 crores in Q2 FY25.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

CAMS Shares to Trade Ex-Date on February 07: Interim Dividend of ₹17.50

On February 07, 2025, CAMS shares to trade ex-date, meaning that the shareholders registered in the company’s books will be eligible for the ₹17.50 interim dividend.

CAMS Dividend History

Ex-Date Dividend Type Dividend Amount (₹)
Nov 08, 2024 Interim 14.50
Nov 08, 2024 Special 10.50
Aug 12, 2024 Interim 11.00

CAMS Management Take on Q3FY25 Earnings 

Commenting on the performance, Mr. Anuj Kumar, Managing Director said, “It is heartening for us to share the company’s excellent performance, both on the financial results front and around operational excellence. Strong revenue growth at 27.6% Y-on-Y, exemplary PAT growth at 40.5 % Y-on-Y and a high EBITDA growth of 34% Y-on-Y are resounding indicators of our robust performance. The quarter saw an unprecedented trend with us winning all 3 new Mutual fund mandates in the market and the first international MF engagement. Adding the transition of another MF from competition, CAMS’s leadership position with 68% share of AuM has been further cemented with serving largest number of Mutual funds at 26 fund houses – of the 50 – in the industry.”

He further added, “Despite headwinds, Mutual Funds’ growth trajectory continued to scale new highs across all key dimensions. Our overall AuM crossed Rs. 46 Lakh Crore backed by strong growth in equity assets which crossed the Rs.25 lakh crore mark, posting a robust 51% growth Y-on-Y. The quarter saw a flurry of NFOs and CAMS serviced Funds secured 70% of NFO sales. Retail investor participation remained active with new SIP registrations seeing a healthy 50% increase on Y-on-Y basis. CAMS’s share in Net registrations increased by 4% to 64%, from the previous quarter.”

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

SGB Discontinued: Check Alternatives for Gold Investments

The Union government has decided to discontinue the Sovereign Gold Bond (SGB) scheme due to the high costs associated with borrowing. Finance Minister Nirmala Sitharaman confirmed this decision at a press briefing following the Union Budget announcement on February 1.

Launched in 2015 as part of the Gold Monetisation scheme to reduce gold imports, the SGB scheme became increasingly popular over time due to its government-backed nature.

The first tranche of the scheme offered returns ranging from 10.68% to 13.5%. The bonds were initially issued in November 2015 at a price of ₹2,684 per gram and were redeemed in November 2023.

Ajay Seth, the Economic Affairs Secretary, explained the reasoning behind the decision, noting that the SGB scheme was originally introduced to raise market funds and reduce gold imports. However, in recent years, it has become a relatively expensive borrowing method for the government. Despite a ₹18,500 crore allocation for SGBs in the FY25 Budget (down from ₹26,852 crore in the interim Budget), no new tranches of SGBs have been issued this fiscal year. The most recent issuance was in February 2023, amounting to ₹8,008 crore.

In this blog, we will explore alternative options now that SGBs have been discontinued.

Gold ETFs (Exchange-Traded Funds)

Gold ETFs are mutual fund schemes that invest in physical gold. They are listed and traded on stock exchanges, allowing you to buy and sell gold just like shares.

  • Benefits:
    • Liquid and easy to trade
    • No need for physical storage
    • Transparent pricing based on the current market rate of gold
  • Risks:
    • Market fluctuations
    • Brokerage charges for buying/selling

Gold Mutual Funds

These funds invest in gold and gold-related assets, such as shares of gold mining companies or other commodities linked to gold.

  • Benefits:
    • Professional fund management
    • Diversified exposure to gold mining companies, not just the metal itself
    • Ideal for long-term investment
  • Risks:
    • Exposure to fluctuations in gold mining stocks or related sectors
    • Fund management fees

Physical Gold (Jewellery, Coins, Bars)

This is the most traditional way of investing in gold by buying physical gold in the form of coins, bars, or jewellery.

  • Benefits:
    • Tangible asset that you can physically possess
    • Cultural significance, especially in India
  • Risks:
    • Storage and security concerns
    • Making charges on jewellery and taxes
    • Lower liquidity (can take time to sell)

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mid-Day Top Gainers and Losers on February 06, 2025: ITC Hotels and Cipla Led Gainers

On February 06, 2025, as of 12:20 PM, the BSE Sensex was down 0.31% at 78,025.55, while the Nifty 50 was down 0.35% at 23,614.40. The mid-day top gainers and losers for the day are:

Mid-Day Top Gainers 

Symbol Open High Low LTP %chng
ITCHOTELS 170 173.4 168.52 173.1 2.72
CIPLA 1,443.95 1,470.35 1,438.15 1,468.45 2.2
BPCL 263 267.2 262.7 264.9 1.4
DRREDDY 1,234.90 1,254.00 1,230.20 1,244.00 1.34
HDFCLIFE 626.45 636.5 623.15 635 1.14

ITC Hotels

ITC Hotels shares opened at ₹170 and hit a high of ₹173.4, closing with a 2.72% gain, reflecting strong bullish movement on the day..

Cipla

Cipla shares opened at ₹1,443.95, peaking at ₹1,470.35, closing with a gain of 2.2%, showing consistent upward momentum.

BPCL

BPCL shares started at ₹263 and climbed to ₹267.2, gaining 1.4%, indicating moderate growth in a stable range..

Hindalco 

Dr Reddy’s shares opened at ₹1,234.90 and reached ₹1,254.00, closing with a 1.34% increase, marking a solid day of growth.

HDFC Life

HDFC Life shares opened at ₹626.45 and touched ₹636.5, closing at ₹635 with a 1.14% gain, reflecting steady bullish performance

Mid-Day Top Losers

Symbol Open High Low LTP %chng
ONGC 262.65 262.95 256 256.1 -2.12
TITAN 3,490.90 3,504.25 3,423.80 3,426.15 -1.85
SHRIRAMFIN 570 570 554.35 561.1 -1.79
NTPC 322.6 322.7 314.05 314.7 -1.53
ITC 450 450 441.1 441.4 -1.51

ONGC

ONGC shares opened at ₹262.65, hitting a low of ₹256, closing with a 2.12% decline, indicating a weak day for the stock.

Titan

Titan shares started at ₹3,490.90 and dropped to ₹3,423.80, with a 1.85% decrease, reflecting a dip in investor confidence

Shriram Finance

Shriram Finance shares opened at ₹570 and reached a low of ₹554.35, closing with a 1.79% fall, showing significant downward pressure on the stock..

NTPC

NTPC shares began trading at ₹322.6, hitting ₹314.05 as the low point, closing with a 1.53% decline.

ITC

ITC shares opened at ₹450 and touched a low of ₹441.1, closing with a 1.51% drop, indicating moderate weakness throughout the day.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.

RBI Monetary Policy Decision: Newly Appointed Governor Sanjay Malhotra to Present MPC Decision

On February 5, 2025, the Reserve Bank of India’s (RBI) monetary policy committee meeting began and is expected to conclude its longest pause in interest rates with a rate cut on Friday February 7, 2025, as per various news reports.

The meeting includes two new RBI members: Governor Sanjay Malhotra and Deputy Governor M. Rajeshwar Rao. This is their first meeting, replacing their predecessors Shaktikanta Das and Michael Patra. Malhotra recently announced liquidity measures, injecting ₹1.5 lakh crore into the economy, which is seen as paving the way for rate transmission. However, a liquidity deficit could still keep borrowing costs high despite a potential rate cut.

The last rate cut occurred in May 2020 when the repo rate was reduced to 4% to help support the economy during the Covid-induced lockdown. Since then, the RBI raised rates seven times to 6.5% due to inflationary pressures, exacerbated by the Ukraine war, supply chain disruptions, and global price surges. The rate pause has remained in effect since February 2023.

Expectations for Rate Cut

Most economists predict a 25 basis points (bps) rate cut, although some argue it may be premature, especially if US President Donald Trump escalates tariff threats, which could worsen financial market volatility. Lower rates could also weaken the rupee, potentially making US debt more attractive to foreign investors.

Government’s Support for Rate Cut

The government has supported a rate cut, with the Union budget emphasizing consumption revival to boost economic growth. In her Budget speech on February 1, Finance Minister Nirmala Sitharaman stated that the government had slowed down the pace of fiscal consolidation in FY26, targeting a fiscal deficit reduction to 4.4% of GDP (from 4.8% in FY25 RE). Additionally, income tax relief for middle-class households was announced, which could provide a much-needed boost to consumption.

Market Reactions Ahead of the Decision

Ahead of the RBI’s monetary policy decision, the benchmark indices saw a decline, with the BSE Sensex falling by 0.37% to 77,981.64, and the Nifty 50 dropping 0.37% to 23,608.50 at 11:35 AM on February 6, 2025.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.