HDFC Bank & HDFC Merger Announcement के बाद भी क्यों गिर रहे है? | क्या Buy करें? - YouTube

Hello everyone how are you all and what's going on?

Everyone is worried why HDFC, HDFC Bank is falling, the news of the merger came, everything went well, the market got super excited and rallied.

Then why is it falling continuously, brother there is a lot of inside news, there is a very simple story, the video is showing on your screen

First of all, it is necessary to show you the proof that on the day this rally took place, in the evening I have made a video, and I said why did it fall from above.

There is a whirlwind inside it, and as soon as the secrets open, I will bring their news and today I have brought the news of the same secret where the retail people are excited only in the news.

And I would say don't get excited by the news, big players already have many of these things.

May be I have to remove the video in yesterday date which I say, maybe

But there are some data facts which I can share and I will raise questions on that and maybe you can also raise questions.

That friend, what did you tell me, this is really an eye opener

So yes it is absolutely an eye opener video, we will tell you why the stock is falling after the news of the merger.

What is the reason and along with that inside news, who had picked the shares of HDFC & HDFC Bank before the news of this merger

So yes are you ready to know this secret

So I mukul Agrawal welcomes you on your YouTube channel , so those who are new here , please subscribe to the channel and press the bell icon and turn on the notification

By which whenever I am live video is uploaded, you will learn, earn and move forward.

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Watch ,The merger of HDFC Bank & HDFC Group is the biggest ever merger for the Indian banking sector.

Both the companies are on the path of merger, the board has approved the proposal of merger.

But approval has to be obtained from RBI, SEBI, CCI , NATIONAL HOUSING BANK, IRDAI, PFRDA, NCLT, BSE, NSE etc., a long list to get approval from

Both the companies have to take approval from their respective share holders and creditors as well.

So in the first brief, know what will be the impact on the stock after this merger, what will be the impact on your portfolio

And after that, will know the story where you have been stucked, then in this merger the shareholder creditors of the company are also included.

When the company informed, it will be completed by the second or third quarter of 2024.

Both the companies said that the combined entity will be available, power will be formed, after the merger, HDFC Bank's customer will also be used as a core product.

For this, the boards of both the companies believe that this deal will create long term value for customers, employees, share holders and all stake holders.

Long term, listen this word carefully long term

On the basis of this, the vision of housing for sale of the merger will also get power, so let's get out of the short term mind here.

everything long term, apart from the merger of HDFC Bank into the world's largest bank

Of the World, listen carefully, World

The deal will be around 4.53 lakh crores, which will be called the second biggest deal in 2022 this year.

After the completion of this deal, the market cap of the bank will reach near 15.12 crores, which means it will clash in terms of market cap.

world's fourth largest bank will be from China construction Bank corporation

Also, it will become the second largest listed company after Reliance in terms of market cap.

Who is now at number two in terms of market cap, I will wait for you in the comment box

Because you also have to tell some things, see HDFC Bank's total advance on standard loan basis was 12.7 lakh crores

Where HDFC has 5.25 lakh crore, so in advance book of HDFC, 77% of the loan are in the individual loan category

HDFC BANK, which accounts for 28% of its loan book in retail and 26% in corporate

They will get a lot of benefit from HDFC home loan customer joining the bank's customer.

because of this deal HDFC Bank will be 100% owned by public shareholder

Where the existing shareholders of HDFC Ltd will hold 41% stake in HDFC Bank

HDFC shareholders will get 42 equity shares as per the share exchange ratio in the is joint company for every 25 equity shares

So this was a brief in which we told what is happening with the merger, in what way it is happening, the story is long term, forget the short term.

If you are a shareholder of HDFC Bank then what are you going to get, if this merger was so effective then why are the shares falling?

So we will discuss it in 5 points first and in the last, who has already taken it? Right

So the first reason is that there was such a sentiment in the market that this merger would make a very big company.

So the biggest first reason is that there is a sentiment in the market that due to this merger which is a subsidiary of HDFC

Like HDFC life or other, HDFC Argo These companies may be affected

Because the earlier observation believed that everyone would benefit, but when the real analysis is coming out

So there it is believed that according to the rule of the government, which is HDFC Life, the government should not allow any bank to keep any insurance company inside itself.

And in the same way there are other subsidiary companies, but maybe listen carefully, maybe the government's rule will have an effect.

This will have an impact on the growth of the subsidiary, so where it was believed that when the entire collection is done, then HDFC Bank will benefit.

all Subsidiary will get benefit, but now it has got full question mark here.

What order will the government give, what will be the response of SEBI, will SEBI allow this to happen

Or HDFC Bank will remain the way HDFC Life was going, it has put such a big question mark due to which there is an atmosphere of uncertainty in the market.

And due to that the reason is not clear yet, because the bank itself said that we have also told SEBI that you clear it that what you want to say

It is not cleared yet, so this is the biggest question from where you are seeing the fall.

After that comes the second

The biggest fake is going on in the market right now and that fake is of Telegram.

Many fake people are robbing people by running telegram channel of my name.

So I Will Request the link of the real telegram channel of is in our description box, and 2.5 lakh people are connected

What you seeing on the screen, and on the same screen you are seeing fake

Because when you go to search and search Mukul Agarwal, then you do not know how many fake channels are being seen here.

People who have opened in our name, then I will request it is 100% completely fake, wherever you join, these people will rob you

So request is to stay away from such fake channel.

Ability to maintain SLR, According to a report here HDFC required to keep SLR at 13% of public deposit

Which will increase to 18% of Net Demand and Time Liability at the time of merger, now you'll say SLR

So SLR, STATUTORY LIQUIDITY RATIO means that The portion of the deposit available with the bank that they are required to retain before issuing a loan against deposit

The bank has to invest some part of its deposit in securities, such as Central Government Security or Central Government Security.

For example- Your 1 thousand rupees deposited in the bank, now the bank will have to give some part of it to the Reserved Bank as SLR

Suppose at that time the SLR is 20%, then the bank has to give 200 rupees out of this 1 thousand to the Reserved Bank.

I hope it is understood

Well one more thing, you guys are worried that breaking news of stock market is not available.

If you put some charts of technical analysis, then we put the breaking news of the stock market on Twitter first.

And also put the chart of technical analysis, then the link is in the description, join Twitter and take advantage.

Third , Need to hold cash reserve ratio means CRR , now what's this?

So there is a percentage of cash that the bank needs to keep in reserve against its total deposit.

The technical term is called Net Demand and Time Liability, NDTL

CRR 3 objectives, To maintain bank liquidity, to maintain the financial health of Bank, to determine reporate

Right now the Reserved Cash Rate in India is 4%, this means if a bank gets a deposit of Rs 100, then it has to keep Rs 4 in the form of cash deposit with RBI.

Means RR rate is an indicator for you, a certain percentage of their deposit is always safe with RBI.

even though their bank's financial position was weak ,HDFC had no cash reserve ratio earlier

Hence the merged entity against Nil CRR order balance in HDFC means HDFC will need to hold NDTL 4% CRR order of balance

Higher Mandatory Reserved Ration Requirement will increase the funding cost, and this is a cause for concern for the investor and stock is Falling

If you understand things till now, then motivate by pressing the like button.

Fourth is Ability to build PSL analyst,

Now there is one more thing other than CRR, SLR, at what cost will the new TSL be able to build a balance against the portfolio

Cash to Time Ratio of HDFC Ltd is around 8%, that of HDFC Bank is around 37%

The report expects the CRR ratio to drop to around 32%-34% for the combined entity

Now this is a ratio that is used by the financial measure, which shows the cost of a company in proportion to its income.

It is mostly used to measure the effeciency of a bank, so it is again a fear

Fifth is too big for mutual fund, Some analysts believe that some investors fear that the combined entity will be too big for the mutual fund.

Because they can pass the threshold of 10% in many mutual fund schemes, then they have to sell in that condition.

So the 5 reasons that I have told you are one such estimate of the rate of a short term investor, due to which you are seeing the impact of falling right now.

And there is still 18 months left in the merger, so what is this decline first, that rate has a temporary effect and not a long term effect, no, no ,no

But now before finalizing our point, let us come to the fact with a great interest, let us come to the data fact.

What is the data fact saying here? , According to mutual fund buy and sell data collected by east india securities

HDFC Mutual Fund buys 80 lakh shares of HDFC Bank, 71 lakh shares of HDFC, when ?

In March , And this is the story before the merger

So now you understand that I cannot say anything further because you can understand what I said

But what do you think buying before this news came, because there was a decline in this stock and there was a rise in the stock, so what happened?

You can know this, I will not say much because saying without data fact is wrong for us, but you are free to understand

So these are the things where the temporary impact is created, long term 100% is going to be great

Because slowly things will come clear, meaning what I said in that video on that day, again that video is on the screen in front of you.

In order to accelerate this on a technical basis, the HDFC Bank has to run above 1750.

But what is falling on the news base right now can become a chance for you in the bottom, absolutely chance, absolutely opportunity

So I hope the picture will be clear, you have understand the game of big people, why is it falling in the short term, that understanding will be commanded.

There is absolutely chance in the long term without any doubts, that too will be cleared

So I hope I have put my point very well, if still there is any doubt then ask in comment box.

And do Like, comment, share on the video give love

Thankyou so much