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Showing posts with label Nano Champs. Show all posts
Showing posts with label Nano Champs. Show all posts

Monday, March 25, 2024

SIP Performance: Hidden Gems, Value Picks & Nano Champs

Dear Reader,

Saral Gyan Team wishes you a Happy Holi.

A small investment of Rs. 10,000 a month over a period of 10 years can help you create a corpus of Rs. 25 lakhs. Total amount invested over period of 10 years by you will be Rs. 12 lakhs and you will have profit of Rs. 13 lakhs. Not Good? This might look less to you as we are assuming returns of 13.5% per annum. If we assume returns of 27% per annum, your corpus will be Rs. 50 lakh and your profits would be more than 3 times of your actual investments that too when you are investing a nominal amount of Rs. 10,000 on monthly basis. Impressive! Right?

You might think that investing in mutual funds could be one of the way to start SIP (Systematic Investment Plan). However, returns may not be that high which you can generate by directly investing into good quality small and mid cap stocks. Hence, we suggest our members to start SIP by directly investing in stocks every month. What you are suppose to do is to invest your savings in a particular stock once in a month instead of putting it into mutual fund. Next month, same amount would be invested in another stock which at that point of time gives you good medium to long term investment opportunity. This could be an ideal choice for salaried employees as well as businessmen / entrepreneurs, as it will help you to directly invest in fundamentally strong small and mid cap companies to build a diversified portfolio of high quality small and mid cap stocks over a period of time to achieve wealth creation.

Investing in stocks is a great way to build your diversified investment portfolio. It is a simple and time tested approach for accumulation of wealth in a disciplined manner. Simply get some savings from your monthly income and invest in equities for long term. It not only allows you to save every month in a disciplined way but also help you ride through ups and downs of stock market.

Invest some portion of your monthly income in good companies without  timing the stock market and you will definitely get rewarded in long run.

Just take care of Basic Principle of Investing in Equities:

1. Invest in stock market with a long term view (3 - 7 years or more).
2. Invest in companies which are fundamentally strong with scalable business.
3. Follow disciplined approach by Investing regularly in equities.
4. Build a diversified portfolio by investing in small & mid cap companies.
5. Avoid frequent buying / selling of stocks, Its trading not Investing!
6. Review performance of your holding companies at least once a year to decide whether to buy / sell or hold.

Hidden Gems Stocks - Average Returns of 113.8% in 3 Years

Its appreciation and support of our readers that one of our most admired service - Hidden Gems ranks on top not only in performance but also on Google search engine. Try it out yourself by searching "Hidden Gems SIP" or "Unexplored Multibagger Small Caps" or "Best Hidden Gems Micro Caps" on Google, you will find our website www.saralgyan.in featuring on top in search results. Its your appreciation and word of mouth publicity which make our website featuring on 1st page in Google.

Hidden Gems continue to shine giving higher returns compared to all major indices. As on date, average returns of the last 26 Hidden Gems stocks released over the last 3 years is 113.8%. Below is the performance update of Hidden Gems stocks released over the last 3 years.
Hidden Gems stocks i.e. Lincoln Pharma, Pix Transmission, Ador Fontech, Uni Abex Alloy Products, Cupid, Som Distilleries, Patels Airtemp, Dynamic Cables, Indag Rubber, Bhagyanagar India, GEE, Pakka and V2 Retail turned multibagger delivering returns in the range of 90% to 650%.
 
Value Picks Stocks - Average Returns of 44.6% in 3 Years
 
Value Picks also outperformed mid cap index delivering higher returns. As on date, average returns of the last 23 Value Picks stocks released over the last 3 years is 44.6%. Below is the performance update of  Value Picks stocks released over the last 3 years.
8 Value Picks stocks - Dalmia Bharat Sugar, Dhampur Sugar, Hindustan Copper, Caplin Point, Surya Roshni, TTK Healthcare, Kewal Kiran Clothing and Technocraft Industries have achieved their target price delivering returns in the range of 70% to 240%.

Nano Champs Stocks - Average Returns of 34.9% in 1 Year
 
Nano Champs stocks have delivered average returns of 34.9% over the last one year. Three updates were released under Nano Champs service, the next update is expected to release in June 2024.
Time has shown that smart investors have made their fortune by investing in equities in the long term. None other asset class can match giving you such extraordinary returns. Yes, it's important for you to invest in the right set of companies at the right price.

Grow your Wealth by Investing in Potential Multibagger Stocks

Multibagger Hidden Gems Stocks
Its a fact that 78 Hidden Gems stocks out of 120 released during last 12 years have given more than 100% returns to our members. Moreover, 42 stocks out of these 78 are giving returns in the range of 400% to 7000%. Stocks like Cera Sanitaryware, Camlin Fine Sciences, Acrysil, Balaji Amines, Kovai Medical, Wim Plast, Mayur Uniquoter, Dynemic Products, Roto Pumps, TCPL Packaging, Globus Spirits, Rajratan Global Wires, Stylam Industries etc are some of our multibagger stocks which have given whopping returns in the range of 900% to 7000%.

The stocks we reveal through Nano ChampsHidden Gems & Value Picks are companies that either under-researched or not covered by other stock brokers and research firms. Remember, "If you want your Money to Grow, Equities is the only Way to Go" in long term. If you think to invest in stocks for period of 6 months or say 12 months, we suggest you to stay out of stock market because you are not investing, you are betting on volatility of stock market which could be risky. We keep on updating our members on our past recommendation suggesting them whether to hold / buy or sell stocks on the basis of company's performance and future outlook.

We do update our members in terms of profit booking / exits depending upon various factors like overall Industry / Sector outlook, fundamentals of the company, management action plan and annual performance in terms of top line, bottom line, operating margins and other important parameters.

If you have patience and want to add extra power in your portfolio, start investing some portion of your savings in fundamentally strong micro, small and mid cap companies Nano ChampsHidden Gems & Value PicksMoreover, 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.

We are pleased to inform you that we are offering maximum discounts up to 30% and valuable reports on our subscription services under Saral Gyan Holi Dhamaka Offer 2024. Attractive discounts and freebies which make this offer special for our members are as under:

1. Discount up to 30% on combo pack subscription (valid up to 07 Apr'24 only)
Discount of 10% on individual services, and up to 30% on Combo packs
 
2. Portfolio of 10 Small & Mid Cap Stocks for FY24-25 (To be released on 31 Mar'24)
Applicable under Hidden Gems / Value Picks / Wealth-Builder subscription

3. Special Report - 5 Stocks: Potential 5-Baggers in 5 Years (Released on 22 Jan'24)
Applicable under Hidden Gems and Wealth-Builder subscription only

4. Last 3 Hidden Gems Research Reports (released over last 3-4 months)
Applicable under Hidden Gems subscription only
 
5. Last 3 Value Picks Research Reports (released over last 3-4 months)
Applicable under Value Picks subscription only
 
6. Existing Portfolio Health Check Up (Review of existing stocks)
Applicable under Wealth-Builder subscription only

Below table indicates subscription services and discounted prices valid up to 07 April 2024.

SARAL GYAN
SUBSCRIPTION SERVICE
HOLI DHAMAKA OFFER
ANNUAL SUBSCRIPTION PRICE
PAY VIA CARD
(3% CHARGES EXTRA)
Hidden GemsRs. 15,000 13,500 (10% OFF)
Value PicksRs. 10,000 9,000 (10% OFF)
15% @ 90 DaysRs. 5,000 (No Discount)
Wealth-BuilderRs. 30,000 27,000 (10% OFF)
Combo 1: HG + VP + WB + 15%Rs. 60,000 42,000 (30% OFF)
Combo 2: HG + VP + 15%Rs. 30,000 24,000 (20% OFF)
Combo 3: HG + VPRs. 25,000 21,000 (16% OFF)
Combo 4: HG + 15%Rs. 20,000 17,500 (12% OFF)
Combo 5: VP + 15%Rs. 15,000 13,500 (10% OFF)

There is no combo option for Nano Champs, you need to opt for this service separately.

SUBSCRIPTION OPTION

PAY VIA CARD

(3% CHARGES EXTRA)

Nano Champs– 1 Year  - Rs 13,000 11.700 (-10%)

SUBSCRIBE

Nano Champs– 3  Year - Rs. 39,000 33,000 (-15%)

SUBSCRIBE


Simply choose the subscription service / combo subscription you would like to opt and click on SUBSCRIBE! link in above table to make online payment using your debit / credit card.

Enjoy great savings and receive valuable freebies under Holi Dhamaka offer. Hurry! Its a limited period offer closes on 07th April 2024.

Do write to us in case of any queries, we will be delighted to assist you.
 
Wishing you Happy & Safe Investing!

Regards,
Team - Saral Gyan 

Saturday, January 20, 2024

Releasing Soon - 5 Stocks - 5-Baggers in 5 Yrs Report Update

Dear Reader,

On 29 May 2022, our equity analysts finalized the best investment opportunities from small cap segment which have the potential to deliver excellent returns during next 5 years. We released our Special Report - 5 Stocks - Potential 5-Baggers in 5 Years on 29th May 2022 and shared the report with our Hidden Gems and Wealth-Builder members. The objective of this report is to achieve average annualized returns of 38% each year to achieve 5x returns in period of next 5 years by investing in 5 small caps.

As illustrated in the table below, if these 5 companies generate returns on your investment @ 38% annually, your investment will be 5 fold in period of 5 years. Even if we take conservative scenario considering that only one out of five achieve CAGR of 38% and remaining four delivers CAGR of 20%, your investment will be trebled (3 times) in period of 5 years which is also good compared to returns from any other asset classes like Fixed Deposits, Real Estate, Metals – Gold / Silver or even major indices - Sensex and Nifty.

Investment of 5 lakhs in 5 Years at CAGR of 38%
We are glad to inform you that our 5 potential 5-Bagger stocks (released on 29 May 2022) have delivered average returns of 217.8 percent (CAGR of 93.7 percent) compared to Sensex returns of 30.1 percent returns during the same period. Out of 5 stocks, Som Distilleries and Cupid have already delivered more than 5X returns within period of 2 years.

On 10 Sept 2023, we released 5 Stocks - Potential 5-Bagger Report Update and suggested our members to book profits in Som Distilleries (delivered 439% returns) and switch to another small cap stock which offers better investment opportunity for long term investors.
Now one more stock i.e. Cupid out of 5 stocks turned out to be almost 8-Bagger stock (delivering as on date returns of 682%) in a period of 20 months and looks expensive at current valuations, hence we decided to book complete profits in Cupid and switch to another small cap stock which have a similar potential like that of Som Distilleries and Cupid Ltd.

Below is the performance update of Potential 5-Bagger Stocks in 5 Years Report (as on date).
We are confident to achieve 5 times returns in period of 5 years by monitoring performance of these five small size companies and taking corrective measures in case any of them does not perform up to our expectations.

Special Report - 5 Stocks - Potential 5-Baggers in 5 Years Update - Releasing on 22 Jan'24

As we review our Potential 5-Bagger Stocks every year taking corrective actions in terms of profit booking / exit or entry into new stock, we will release the update on our Special Report - 5 Stocks - Potential 5-Baggers in 5 Years on 22 Jan 2024. Under this report, we will review these companies and guide our members which stocks can be added at current levels, we will also suggest to book full profits in Cupid and to switch to another stock which offer good investment opportunity at current levels with potential to deliver 5X returns in period of 5 Years. If we find any major change in fundamentals in any of these 5 stocks which can impact their performance going forward, we will inform our members to take corrective measures.

Note: If you wish to receive our Special Report 5 Stocks : Potential 5-Baggers in 5 Years Update (to be released on 22 January 2024), simply subscribe to Hidden Gems or Wealth-Builder service, or any of our Hidden Gems combo packs and we will send you the report without any extra charges! We will share this report with all our existing subscribers of Hidden Gems and Wealth-Builder service. Simply subscribe to our services and grab our Special Report Update - 5 Stocks - Potential 5-Baggers in 5 Years for Free!

Few important parameters which have been looked by our equity analysts while finalizing the stock selection are as under: 
  • Market leader in the business / any one segment in which the company is operating in.
  • Scalable business with significant moat (sustainable competitive advantage)
  • Prudent Management with promoters increasing their shares holding in the company 
  • Low / manageable debt on books with healthy cash flows.
  • CAGR of above 15% with increase in operating and net profit margins in last 3 / 5 years.
  • Consistent dividend payment with expected increase in dividend payouts in coming years.
  • Growing EPS, low PE ratio with increasing ROE and ROCE over last 5 years.
  • Low share holdings of Institutions (FIIs & DIIs) to get first mover advantage.
Each parameter is equally important and plays a vital role to ensure that you get healthy returns on your investment with limited downside risk in long term. One of the important key to successful investing is to pick the right business at decent valuations. Once you buy shares, you own a part of company’s business.

While determining which stocks to consider as a long term investment opportunity for generating 5-Bagger returns, we looked into below 5 value drivers:

i) Does the company offer a product or service that has broad acceptability in a large, growing market?
ii) Does the company have healthy margins, and are they sustainable over a longer period of time?
iii) Can company generate significant amounts of cash without resorting to expensive debt?
iv) Can company return the cash generated to its shareholders by declaring generous dividends?
v) Is the company’s management honest and competent, with hunger to grow business at a faster pace?

We at Saral Gyan recommend good businesses to buy with long term view and any change in our stock views will be based on strong structural trend and not on any short term movement.

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

Below table indicates subscription services and discounts applicable on combo packs.

SARAL GYAN
SUBSCRIPTION SERVICE
ANNUAL 
SUBSCRIPTION PRICE
PAY VIA CARD
(3% CHARGES EXTRA)
Hidden GemsRs. 15,000
Value PicksRs. 10,000
15% @ 90 DaysRs. 5,000
Wealth-BuilderRs. 30,000
Combo 1: HG + VP + WB + 15%Rs. 60,000 48,000 (20% OFF)
Combo 2: HG + VP + 15%Rs. 30,000 25,000 (17% OFF)
Combo 3: HG + VPRs. 25,000 21,000 (16% OFF)
Combo 4: HG + 15%Rs. 20,000 17,500 (12% OFF)
Combo 5: VP + 15%Rs. 15,000 13,500 (10% OFF)

There is no combo option for Nano Champs, you need to opt for this service separately.

SUBSCRIPTION OPTION

PAY VIA CARD

(3% CHARGES EXTRA)

Nano Champs– 1 Year  - Rs 13.000

SUBSCRIBE

Nano Champs– 3  Year - Rs. 39,000 33,000 (-15%)

SUBSCRIBE


Simply choose the subscription service / combo subscription you would like to opt and click on SUBSCRIBE! link in above table to make online payment using your debit / credit card.

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

Regards,
Team - Saral Gyan 

Saturday, January 13, 2024

Check Fundamentals & Not Share Price while Buying Stocks!

Dear Reader,

Why is a stock that cost Rs. 50 cheaper than another stock priced at Rs. 10?

This question opens a point that often confuses beginning investors: The per-share price of a stock is thought to convey some sense of value relative to other stocks. Nothing could be farther from the truth.

In fact, except for its use in some calculations, the per-share price is virtually meaningless to investors doing fundamental analysis. If you follow the technical analysis route to stock selection, it’s a different story, but for now let’s stick with fundamental analysis.

The reason we aren’t concerned with per-share price is that it is always changing and, since each company has a different number of outstanding shares, it doesn’t give us a clue to the value of the company. For that number, we need the market capitalization or market cap number.

The market cap is found by multiplying the per-share price times the total number of outstanding shares. This number gives you the total value of the company or stated another way, what it would cost to buy the whole company on the open market.

Here’s an example:

Stock price: Rs. 50

Outstanding shares: 5 Crores 

Market cap: Rs. 50 x 50,000,000 = Rs. 250 Crores

To prove our opening sentence, look at this second example:

Stock price: Rs. 10

Outstanding shares: 30 Crores 

Market cap: Rs. 10 x 300,000,000 = Rs. 300 Crores

This is how you should look at these two companies for evaluation purposes. Their per-share prices tell you nothing by themselves.

What does market cap tell you?

First, it gives you a starting place for evaluation. When looking a stock, it should always be in a context. How does the company compare to others of a similar size in the same industry?

The market generally classifies stocks into three categories:

• Small Cap under Rs. 1000 Crores 

• Mid Cap Rs. 1000 - Rs. 10000 Crores

• Large Cap above Rs. 10000 Crores

Some analysts use different numbers and others add micro caps and mega caps, however the important point is to understand the value of comparing companies of similar size during your evaluation. You will also use market cap in your screens when looking for a certain size company to balance your portfolio. Don’t get hung up on the per-share price of a stock when making your evaluation. It really doesn't tell you much. Focus instead on the market cap to get a picture of the company’s value in the market place.

IMP Note: This article is written to safe-guard our readers who are new to stock market, and make them understand about the actual facts. We keep on receiving mails from our readers regarding the price range of stocks we covers under our Hidden Gems or Value Picks service. The misconception in mind of new investors is regarding the stock price, majority of them believe that if stock price is less, like below Rs. 50 or even below Rs. 10, changes of stock price appreciation is very high and they can buy more no. of shares rather than buying a limited no. of shares of high priced stock. 

We have a reader base covering almost all major states in India and from 20 other countries across globe. During the last 10 years we have interacted with several investors seeking multibagger return from stocks. 

It was 17th Dec 2011, we covered Cera Sanitaryware as Hidden Gem stock of the month at price of Rs 157, later it went up to Rs. 450 in period of 15 months. Based on strong quarterly numbers, attractive valuations and consistent performance, we suggested adding it up again in the range of 400-450 which was taken as a surprise by our members as we received several queries and feedback.

Below are some of the common queries of our subscribers which often lead them to opportunity losses.

1. How come a stock priced at Rs 450 can generate Multibagger returns?
2. Cera is almost 3 times moving from 170 to 450, why are you suggesting buy again?
3. Where is the room to generate Multibagger return from this level?
4. I don’t like such high-priced stock, please give me stocks priced below Rs. 100.
5. I want to buy more no. of shares, hence please recommend low price stocks below Rs. 10.

Cera Sanitaryware touched its life time high of Rs 9740 this year and currently trading around Rs. 7810, Cera is a 50-Bagger stock in 12 years from our initial coverage and is a 18X stock from our reiterated buy at Rs. 450, which was not liked by our subscribers.

The story does not end here, there is a long way to go. Our suggested stocks is with a view-point of 2-3 years at least and not just 6 to 12 months. If fundamentals of the company are intact, we would not suggest our members to do profit booking or exit. Investors who stayed away just because of high price simply missed yet another opportunity. We held Cera for long term and suggested complete profit booking to our members in the stock around 3500 - 4000 levels in 2017.

There is a general misconception among the investors that high priced stocks can't generate multibagger returns. They often think that high-priced stocks are overvalued. In terms of valuation, a 50 rupees stock may not be cheaper than that of a 1000 rupees stock. There is no co-relation between the valuation and market price of a stock. To understand whether a company is small or large, you must look at market cap of the company and not at stock price. To judge valuation you must have to look at Price to earning ratio, Price to book ratio, market cap to sales ratio etc.

Lets try to understand this with an example, Rajratan Global Wires share price was Rs. 54.77 on 30 Nov 2017 (stock split and bonus issue adjusted price, actual price was 639). Today the stock price is at Rs. 774 giving absolute returns of 1313% i.e. more than 14 times in 6 years against double digit return of Sensex in the same period. In fact, we already advised partial profit booking in Rajratan Global Wires to our Hidden Gems at Rs. 1300, booking returns of 2270% (almost 24X) in period of 5 years.

We suggested Buy on Rajratan Global Wires at price of Rs. 639 under Hidden Gems service on 30 Nov 2017 and if any of our subscribers have not invested in the company thinking he/she can get only 15 shares by investing Rs. 10,000 has made a big mistake. Today those 15 shares have increased to 175 shares on account of bonus shares issued by the company in the ratio of 4:3 in 2019 and later stock split of 1 shares into 5 shares (face value of Rs. 10 to Rs 2 per share) in March 2022. And the current share price of Rs. 774 is still very high for those who looks at low price stock. 

There are many examples like above by which we can illustrate that there’s nothing called high price. Multibagger returns is not dependent on the current market price of a stock, so don't be afraid of investing in high priced stock. You need to look at fundamentals like future growth prospects of the company, PE ratio, PB ratio, ROE, ROCE, debt on books, EV/EBITDA, cash reserves along with other parameters to judge a stock whether it is undervalued or overvalued. We agree with you that judging valuation is not an easy task. So, take expert’s advise when ever required.

Another misconception among investors is to buy more no. of shares. They often think that its better to buy more no. of shares of a low price scrip (ranging below Rs. 10 or say below Rs. 50) instead of buying less no. of shares of high priced stocks. They often think that low price stocks can generate multibagger return quickly. During last 5 years, we have reviewed many portfolio of our members under Wealth-Builder subscription, we have noticed that many of their portfolio is filled with such low-priced stocks and most of those are in great loss because of poor fundamentals. You may think that a two rupees stock can easily generate multibagger returns even if it touch to Rs. 10. At the same time don’t forget that the same stock can even come down to Rs. 0 levels which can evaporate all your investment giving you 100% loss! In terms of valuation a two thousand rupees stock may not be expensive than that of a two rupees stock.

Lets try to understand this also with a simple example, Lanco Infratech was a well-known company from Infrastructure sector. At the beginning of 2010 the stock was around Rs 55. After 10 years, it was hovering at just Rs 1.30 and today its not operational any more. Those who purchased the stock during 2010 are in 100% loss! Rs. 1 lakh invested in Lanco Infratech in Jan 2010 was valued at merely Rs. 2,000 in 2020, a complete wealth-destroyer! Isn't it? Those who bought this stock at levels of Rs. 30 and later again at Rs. 10 or Rs. 5 to average out thinking that stock has came down from all time highs of Rs. 85 are still waiting to get their buying price back. There are many such stocks like Suzlon Energy, GMR Infra, GVK Power and Infrastructure etc which have continuously destroyed wealth of investors over a period of last 5 to 10 years.

We do not state that all low price stocks are wealth-destroyers, it all depends on the fundamentals of the company. So, do ensure that you check out the fundamentals and valuations while investing in stocks instead of looking at stock price. Please get out of the misconception that low priced stocks will fly high faster giving you extra-ordinary returns. Always remember that stock price is just a barometer, actual valuations of a company can be determined by its fundamentals.

If you wish to invest in fundamentally strong micro, small and mid cap companies which can give you far superior returns compared to major indices like Sensex or Nifty in long term and help you creating wealth, you can join our services like Nano ChampsHidden Gems & Value Picks & Wealth-Builder.

The stocks we reveal through Nano ChampsHidden Gems & Value Picks  are companies that either under-researched or not covered by other stock brokers and research firms. We keep on updating our members on our past recommendation suggesting them whether to hold / buy or sell stocks on the basis of company's performance and future outlook.

Below table indicates subscription services and discounts applicable on combo packs.

SARAL GYAN
SUBSCRIPTION SERVICE
ANNUAL 
SUBSCRIPTION PRICE
PAY VIA CARD
(3% CHARGES EXTRA)
Hidden GemsRs. 15,000
Value PicksRs. 10,000
15% @ 90 DaysRs. 5,000
Wealth-BuilderRs. 30,000
Combo 1: HG + VP + WB + 15%Rs. 60,000 48,000 (20% OFF)
Combo 2: HG + VP + 15%Rs. 30,000 25,000 (17% OFF)
Combo 3: HG + VPRs. 25,000 21,000 (16% OFF)
Combo 4: HG + 15%Rs. 20,000 17,500 (12% OFF)
Combo 5: VP + 15%Rs. 15,000 13,500 (10% OFF)

There is no combo option for Nano Champs, you need to opt for this service separately.

SUBSCRIPTION OPTION

PAY VIA CARD

(3% CHARGES EXTRA)

Nano Champs– 1 Year  - Rs 13.000

SUBSCRIBE

Nano Champs– 3  Year - Rs. 39,000 33,000 (-15%)

SUBSCRIBE


Simply choose the subscription service / combo subscription you would like to opt and click on SUBSCRIBE! link in above table to make online payment using your debit / credit card.

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

Regards,
Team - Saral Gyan