Dharmendra kumar @kumardharamendr
Association with Pratham Education Foundation | Educational | A life long learner | Tweets are personal pratham.org Deharadun, Vikas Nagar Joined April 2010-
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Most of us are prejudiced and biased. Our starting arguments have preconceived motion,envy and suspicion. Never say I am unbiased.
जोमैटो Vs टोमैटो : टोमैटो इस विनिंग द रेस :)
Doctors prescribe medicine, affordability is your headache. Generic medicine accessibility mashaallah, Prescribing monopoly products ...what to say our God doctors 🙏🙏
1. Arti to me "Dr, when will my husband Anuj start talking & walking?" Her two kids aged 3 & 5 were holding her hands, as Anuj was brought into my OPD for review one month after suffering brain hemorrhage. Anuj had become paralysed on right side and lost his speech due to stroke
बुरा वक्त को तो आप भूल जावोगे, लेकिन बुरे वक्त में किया गया बुरा बर्ताव, आप ताउम्र नही भूलते.
You can access the repository here: bit.ly/Pratham_kahani… bit.ly/Nayidhara_kaha… . . #KahaniTrain #Season3 #audio #stories #storyrepository #learning #education #children #pratham
पसोपेश सी ज़िंदगी में, रोज एक नई सुबह उम्मीद जागती है. शाम ढलने लगे तो, उम्मीद रजाई में ढक जाती है.
Pratham CEO, Dr Banerji received the Indira Gandhi Prize for Peace, Disarmament & Development from former Vice President, Mohammad Hamid Ansari, today in the presence of Smt. Sonia Gandhi, Chairperson of Indira Gandhi Memorial Trust. Listen to her speech: youtu.be/sRji0sJS1ns?t=…
#EducationStartsEarly Early childhood care and education can lay the foundations for gender equality My message during the keynote address at the World Conference on ECCE held at Tashkent this week We @Pratham_India support ECCE that transforms futures and lives for equality
Mothers are the chief collaborators in our #NipunMaharashtra mission, which aims to build a strong foundational learning ecosystem for all our children. To celebrate them and their contribution, we are observing a special week, the Nipun Maharashtra Mahotsav. #samagrashiksha
Amazing experiences from our learning journey in India! In a neighborhood learning group in Ahmedabad, children met at a friend's house & a community volunteer conducted a literary class. A lot of peer learning & fun! @TaRL_Africa @Pratham_India
How did an experiment with a pre-school programme in a Mumbai slum become a movement to transform the Indian education system? Join Pratham co-founder, Dr Madhav Chavan on day 2 of #MakingTheSystemShift by @RockwoolFonden on November 29. Register for free: systeminnovation.org/learning-festi…
Are children enrolled in schools actually learning? After a four year hiatus, ASER reached every nook and corner of the country in pursuit of answering this question. Mark your calendars to know the findings. Watch this space for more details to follow. @asercentre
इंसानी फितरत बुरा वक्त = अच्छा बर्ताव उरूज़ पर = आज मैं ऊपर आसमां नीचे
Everyone is running their own race. At their own pace. It's you who think your race is the most important, others don't give a shit.
#HappeningNow! Join Dr Rukmini Banerji with other esteemed panelists for a panel discussion organised by @DCPCR on "Moving on: Pandemic & Beyond" now! Watch live: bit.ly/3OUUhIk
Dr Rukmini Banerji will be Rajasthan @PatrikaNews's guest editor tomorrow! Don't forget to read their 'Sunday Special' where she will discuss the impact of COVID-19 on children's education
Dr Rukmini Banerji will be Rajasthan @PatrikaNews's guest editor tomorrow! Don't forget to read their 'Sunday Special' where she will discuss the impact of COVID-19 on children's education
आप किस विचारधारा के पक्षधर है ? वर्तमान के गतिशील पहियों के साथ, अतीत के धागों से आगे का ताना बाना बुनना होगा...
आप किस विचारधारा के पक्षधर है ? वर्तमान के गतिशील पहियों के साथ, अतीत के धागों से आगे का ताना बाना बुनना होगा...
Boths are my favorite !! Happy to see you together.
Boths are my favorite !! Happy to see you together.
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Disclaimer:- This is my own study. Not an investment recommendation Please consult your own financial advisor before making any investment decisions
Valuations:- While the rally in ICICI has meant it is now the most expensive bank. The de-rating of HDFC and Kotak has meant they trade at multi-year low valuations. Axis is still amongst the cheapest banks.
Bank centric issues:- ICICI Bank is going great guns under Sandip Bakshi A similar thing is playing out with Axis Bank under Amitabh Chaudhary. HDFC Bank is undergoing merger centric problems with margin issues While Kotak is seeing a change in management and RBI action.
Capital Adequacy:- Most of these banks are sitting on strong capital. On top of these accumulated profits will also help them gather more capital. Of the top four, Only Axis may need further dilution of equity and raise more funds.
Non Performing Assets(NPAs):- Slippages for most banks are under control HDFC Bank created a contingent provision of 10,000cr. Other than that NPAs are no longer a problem for most banks
Net Interest Margins:- While Kotak saw a record margin of 5.28% HDFC due to its merger issues has seen an erosion in the margins to about 3.3%.
So how are these banks performing? Loan growth The system loan growth at 10-15% The banks are growing faster than the system Retail credit growth is a key for all of the banks
Low cost of funds:- One of the biggest moat in banking is the low cost of funds. All these banks have a strong deposit franchise which results in the accretion of low-cost deposits
Large private Banks are gaining Market share both in loan and deposit growth All four Banks have seen a rise in market share. Strong business momentum is seen for all four
The banks that we will take for comparison 1. HDFC Bank 2. ICICI Bank 3. Axis Bank 4. Kotak Bank
🚨Large Private Sector Banks Large Private Sector Banks are gaining market share in loan growth and deposit growth Some of them are trading at multiyear low valuations A thread🧵on the business performance of large private banks and the way ahead? Lets go👇
#voteforyou #voteforyourfuture #voteforyourcountry
I found this interesting slide in one of the presentation deck of Samvardhan Motherson group. Truly Motherson is a class apart. They have acquired sick companies over last 20 years and successfully turned them around. Discl : Invested.
In the first 2 phases, NDA may have shed about 20 of the 111 seats it won five years ago. It can potentially lose another 20-odd seats in this third phase, where it holds 80 of the 94 seats. The BJP and its allies have to perform exceptionally well in this phase in order to…
One common feedback from Mgmts of Tata consumer, Britannia ,Dabur ,Marico Volume growth coming back. Margins improving ,expecting uptick in rural economy Always try & attend earnings call of industry leaders..lots to learn. FMCG, durables ,tractor n farm equipment in focus!
फिर क्यों कर्मचारी आचरण नियमावली का रोना रोया जाता है, कि सरकारी कर्मचारी किसी राजनैतिक गतिविधि में शामिल नहीं हो सकता।
Equities dont provide Monthly Income like a Salary 😀 It won’t give salary for 10 months and in the 11th Month , it will be a 12 month salary 😀 #Equities #MutualFunds #SIP #FixedIncome
Protein ki report! Reporting live from pfc club office.
Understanding the acidity/GERD A common problem. Hope this will clear your doubts. Please like, subscribe,comment and share. Thanks . youtu.be/occxHwJz7cQ?si…
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