About BPCL has interests in oil refining and marketing of petroleum products. It is the third largestrefining company in India. BPCL is a public sector firm in which the government of India holds54.93% as of March 2016.

Investment Argument

Petroleum sales volume are expected to witness steady growth in the coming years. This wouldlead to increase in profitability of the company led by lower interest and higher marketing margin.BPCL’s (10% stake) Mozambique block has witnessed great resource upgrades and furtherappraisal could add more upgrades. Since Oil prices are globally in the range of 40-50$ for pastfew months, the company is expected to report profits in the coming quarters due to subsidycancellation. The government of India has also entirely deregulated diesel prices and has alsospeedup the implementation of direct benefit transfer of LPG. These measures will help thegovernment to tap the slippage in subsidy given on LPG and eventually decline the gross under-recoveries for the oil companies.

RiskAlthough oil prices are stabilizing, there is still uncertainty in the market about future oil prices.The long-term profitability will be impacted by sustained high oil prices.

Financials

BPCL

FY CMP Sales OPM(%)

EPS PE BVPS PBV EV/Sales ROE (%)

2016 03 981.10 188447 6.35 110.38 8.88 387.75 2.53 0.46 28

2015 03 981.10 242418 2.78 66.47 14.75 311.87 3.14 0.34 21

About

Pidilite Industries (Pidilite) is a dominant play in India’s growing adhesive and industrial chemicalmarket with a market share of ~70% in its leading brand categories in the organized segment. Thecompany has 14 overseas subsidiaries including manufacturing and selling operations in the US,Brazil, Thailand, Dubai, Egypt, and Bangladesh. Some of the company’s most well-known brandsare Fevicol, M Seal, Dr. Fixit, Fevi Kwik, Hobby Ideas, etc.

Investment Argument

Pidilite Industries has a high pricing power in the consumer segment due to its strong brands. Flagship brandssuch as Fevicol, Feviquick and M-Seal enjoys a monopoly in the market with 70% market share each. It isexpected to benefit from the expansion opportunity of its distribution network and implementation of GST.The expectation of good monsoon in the country will boost the demand for its products in the market. Thecompany exports its products to 20 countries. The sales for Q4 FY 16 grew by 19% from Rs.1043 Cr in Q4 FY 15to Rs. Rs.1241 Cr in the Q4 FY 16. The growth in sales was supported by higher volumes rather than valuegrowth in the quarter. The company has healthy ROE of 26.04% for past 5 years.

RiskThe revenues of the company could be impacted due to a slowdown in industrial segment and lowdemand in real estate sector.

Financials

Pidilite Industries

FY CMP Sales OPM (%) EPS PE BVPS PBV EV/Sales ROE(%)

2016 03 710.80 5369.45 19.57 14.74 48.22 54.27 13.09 6.73 27.14

2015 03 710.80 4844.11 13.66 10 71.08 44.28 16.05 7.52 22.57

About

HDFC Bank is the largest bank in India by market capitalization and second largestprivate banks by assets as on 31st March 2016. It has 4,520 branches and 12,000 ATMsacross 2,587 cities and towns as on 31st March 2016. It also has two subsidiaries HDBFinancial Services Limited and HDFC Securities Limited..

Investment Argument

The bank has clean balance sheet and very good asset quality compared to other banks, the gross non-performing assets were at 0.94% and net non-performing assets were at 0.3% as on March 31, 2016. The total restructures loans were at 0.1% of gross advances as on 31st March 2016. The net interest margin was at 4.3% and CASA was at 43% as on 31st March 2016 which is again good compared to other banks. The banks also have good domestic loan mix of 51:49 between retail and wholesale. The bank will also benefit from the revival in rural demand as it has 55% branches in rural and semi-urban areas. We believe that HDFC Bank is well positioned for high qualitative growth, with strong Capital Adequacy Ratio, pan-India presence, and robust asset quality.

RiskThe rapid change in technology in the banking is a challenge for the bank as it has to spend moreto meet the customers’ requirement. The slowdown in Indian economy can lead to slow growthfor the bank. The interest rate risk is always present..

Financials

HDFC Bank

FY CMP Sales OPM(%) EPS PE BVPS PBV ROE(%)

2016 03 1166.15 63161.57 35.57 50.9 22.91 293.90 3.96 17.24

2015 03 1166.15 50566.49 36.28 44.1 26.44 249.79 4.66 16.94

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About

Marico is among India's leading FMCG companies, Currently present in 25 countries acrossemerging markets of Asia and Africa. Marico has nurtured multiple brands in the categories of haircare, skin care, health foods, male grooming, and fabric care. Currently, Marico has 58% and 55%market share in premium edible oil segment and coconut hair oil segment respectively.

Investment Argument

Going ahead, we believe that with Marico’s increasing focus in Bangladesh markets and stabilizing economicsituation in other markets, international business growth is expected to remain healthy aiding the overallrevenue growth for the company.
Parachute oil demand is continuous to grow irrespective of heavycompetition in the market in the hair oil segment. This can be attributed to the strength of the brand. Thecompany is also confident of maintaining the double-digit volume growth of Saffola oil. Marico is planning toincrease its revenue contribution from rural sales in next 3 years to 37% from current 34% by launching lowunit packs. A good monsoon will also revive the rural demand. We believe that Marico remains a key play inthe hair care and food space in India and is one of the key players in the India consumer space.

RiskPatanjali has disturbed the FMCG sector by launching the product in almost all categories. This willalso impact the sale of Marico. Parachute business may get impacted because of competition fromunorganized sector.

Financials

Marico

FY CMP Sales OPM(%) EPS PE BVPS PBV EV/Sales ROE(%)

2016 03 255.70 6122.39 15.69 5.62 45.49 16.21 15.77 4.57 34.56

2015 03 255.70 5720.28 13.73 4.45 57.46 28.29 8.85 5.74 31.42

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