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Monday, March 20, 2023

Gudi Padwa Special - Additional Discount of 10% till 22 March

Dear Member,

Saral Gyan team wishes you Happy Gudi Padwa!

Gudhi Padwa is a spring-time festival that marks the traditional new year for Marathi and Konkani Hindus, but is also celebrated by other Hindus as well. Gudhi Padwa signifies the arrival of spring and to the reaping of Rabi crops. The festival is linked to the mythical day on which Hindu god Brahma created time and universe. To some, it commemorates the coronation of Rama in Ayodhya after his victory over evil Ravana, or alternatively the start of Shalivahan calendar after he defeated the Huns invasion in the 1st century.

On auspicious occasion of Gudi Padwa, we are glad to inform you that you can avail additional discount of 10% on our services (individual services as well as on combo packs) till 22nd March 2023.

This discount is valid till 22nd March and cannot be availed later. While subscribing to our services, use Promotion Code - GUDIPADWA to avail flat discount of 10% on individual services and additional discount of 10% on our combo packs.

Other than additional discount of 10%, you will also receive valuable freebies as mentioned below:

1. Portfolio of 10 Small & Mid Caps for FY223-24 (to be released on 1st Apr'23)

2. Special Report - 5 Hidden Gems to Buy / Accumulate (Released on 29 Jan'23)

3. Special Report - 5 Value Picks to Buy / Accumulate (Released on 12 Feb'23)

4. Existing Portfolio Health Check Up (Under Wealth-Builder service)

Click on the subscribe link and enter Promotion Code - GUDIPADWA to avail discount of 10% on individual services and additional discount of 10% on our combo packs.


Hidden GemsRs. 14,000
Value PicksRs. 8,000
15% @ 90 DaysRs. 5,000
Wealth-BuilderRs. 28,000
Combo 1: HG + VP + WB + 15%Rs. 55,000 44,000 (20% OFF)
Combo 2: HG + VP + 15%Rs. 27,000 22,000 (20% OFF)
Combo 3: HG + VPRs. 22,000 19,000 (14% OFF)
Combo 4: HG + 15%Rs. 19,000 17,000 (11% OFF)
Combo 5: VP + 15%Rs. 13,000 11,500 (11% OFF)




NANO CHAMPS – 1 YEAR  - Rs 12,000


NANO CHAMPS – 3 YEARS - Rs. 30,000


Note - Promotion code - GUDIPADWA to avail discount of 10% is valid till 22 March 2023 only.

Think Long Term & Be Greedy when Others are Fearful!

Smart investors do not listen to the herd and take a rational approach with their wise & intelligent thinking. As rightly quoted by Warren Buffett - Be Fearful when Others are Greedy and Greedy when Others are Fearful. In current scenario, t
he ongoing market correction is giving a good opportunity to long term investors to add good quality small and mid caps at attractive to reasonable valuations. The broader market which was looking expensive in 2021 is turning attractive once again after steep fall in stock prices over the last 18 months. 

After the crash in stock prices of small & mid caps since mid of 2021, this is one of the opportune time to pick right businesses at attractive valuations. We must have courage and conviction to pick the right set of companies when there are no takers during downturn instead of chasing stock prices during upturn. If you are a long term investor, its wise to be greedy when others are fearful.

We always advice our readers to take a systematic approach and avoid timing the market while investing in equities with a long term horizon. However, severe corrections like broader market witnessed over last 18 months do not come very often and hence must be considered as buying opportunity to add on good quality stocks at discounted prices keeping a long term view.

Time has shown that smart investors have made their fortune by investing in equities in long term. None other asset class can match giving you such extra ordinary returns. Yes, its important for you to invest in right set of companies at right price.

“The first rule of investment is ‘buy low and sell high’, but many people fear to buy low because of the fear of the stock dropping even lower. Then you may ask: ‘When is the time to buy low?’ The answer is: When there is maximum pessimism.”
Sir John Templeton

In fact, as most of the stocks are available again at reasonable to attractive valuations after almost 2 years, we recently released our special reports to allow our members to make some lumpsum long term investments. 

Special Report - 5 Value Picks to Buy / Accumulate - Released on 12 Feb 2023

Post significant correction in small and mid caps, we reviewed our past recommendations released under Value Picks of last 3 years and short listed 5 Value Picks stocks which offer good long term investment opportunity and have potential to give excellent returns on your investment during next 2 – 3 years. These stocks are covered in our Special Report - 5 Value Picks to Buy / Accumulate which we released on 12 Feb 2023.

While short listing 5 stocks under Value Picks, we evaluated each company on the basis of I-B-M-V-E-D parameters (Industry, Business, Management, Valuations, Earnings Growth & Debt Management) and rated every parameter using a rating scale – E,V,G,F,P (E=Excellent, V=Very Good, G=Good, F=Fair, P=Poor)

One of the important key to successful investing is to pick the right business at decent valuations. We finalized these 5 stocks with a long term view (2-3 years) and find them better over other Value Picks stocks in terms of valuations, earning visibility, debt management and integrity of promoters towards their business and interest of minority shareholders.

The 5 Value Picks stocks which we finalized have a market capital in the range of 1800 crores to 9800 crores and seen a price correction between 20% to 65% from their peak (made is 2021 - 2022) without any major change in business fundamentals. We believe these stocks will outperform giving much better returns compared to broader indices in medium to long term. We advised our members to add these Value Picks in their portfolio with long term view. We suggested to start investing in these 5 Value Picks stocks with initial allocation of 1-2% and increase allocation gradually to 3-4% in staggered way in case stock prices of these companies falls by another 10% to 20% or more during ongoing market correction.
Important parameters which we looked into while finalizing stocks are as under:

1. Industry – Operating in Industry / sector which is expected to grow > 10% CAGR during next 3 years
2. Business – Leadership position in the business or one of its business segment in certain geography
3. Management – Prudent & trustworthy management keeping interest of minority share holders
4. Valuations – Reasonable / attractive valuations compared to peer group companies
5. Earnings – Consistent past performance & strong earning visibility with planned / recent expansion
6. Debt Management – Company is able to generate cash flows with low or reducing debt on books

If you wish to receive our Special Report - 5 Value Picks Stocks to Buy / Accumulate, you can subscribe to our Value Picks service

Special Report - 5 Hidden Gems to Buy / Accumulate - Released on 29 Jan 2023

We also released another Special Report - 5 Hidden Gems Stocks to Buy / Accumulate on 29 Jan 2023 covering small cap stocks. The 5 Hidden Gems stocks which covered in this report have a market capital below 700 crores and seen a price correction between 20% to 60% from their peak (made is 2021 - 2022). 

There is no major change in the business fundamentals of these companies, however stock price fell initially due to profit booking and later because of weak market sentiments. These stocks are expected to outperform giving much better returns in the long term. Hence, we suggested our members to add these stocks in their portfolio with long term view (2 to 3 years at least). We suggested our members to start investing in these 5 Hidden Gems stocks with initial allocation of 1-2% and increase allocation gradually to 3-4% in case of further fall in stock prices. Its always wise to accumulate stocks in staggered manner as stock prices remain weak during bear phase of the market and give good opportunities from time to time to accumulate them at lower levels.
If you wish to receive Hidden Gems Special Report, you can opt for annual subscription of Hidden Gems service,

If you have patience and want to add extra power in your portfolio, start investing some portion of your savings in fundamentally strong small and mid cap companies - Hidden Gems and Value Picks.

Moreover, if you have invested in stocks and believe that your investments are not performing well, subscribe to our Wealth-Builder service and get your portfolio reviewed by us. We will review fundamentals of the companies you are holding and guide you which stocks to hold and which to exit. We will also review your equity investments across sectors and companies to ensure that your portfolio allocation is right and outperforms major indices giving you better returns in medium to long term.

Do not miss out Hidden Gems and Value Picks Special Reports and New Year Portfolio of FY 2023-24, subscribe today to get these reports with additional discount 10% discount! Simply use promotion code - GUDIPADWA to claim additional discount of 10 percent.

Do write to us at in case of any queries, we will be delighted to assist you.

Team - Saral Gyan