India Equity Analyst - Fundamental & Thematic, Beat the Street

Sudarshan Bhandari

India-focused Independent Equity Research Analyst

Experienced (7 years +) in Sector-Specific Deep Dives and Comprehensive Company Research.

With a sharp focus on the Indian market, I specialize in providing in-depth analysis and insights to investors. Whether it's dissecting various sectors to identify emerging trends or conducting thorough fundamental research on individual companies, I'm dedicated to uncovering valuable opportunities and delivering actionable intelligence.

Passionate about navigating the nuances of the Indian equity landscape, I thrive on deciphering complex market dynamics and distilling them into clear, concise insights. 

While covering a sector or company-specific research, I cover the following :
1. Brief about company/sector
2.  Overall Industry landscape - History, Present and Future trends
3. Thesis and Anti-Thesis
4. Valuations
5. Financial & Forensic Analysis
6. Management Review
7. Key Monitorable Events
8. Guidance and Future Way Ahead

India Equity Analyst - Fundamental & Thematic

Indo-MIM IPO: From MIM Leadership to a Diversified Precision Manufacturing Platform

Eternal: Blinkit Profitability Driving a Strong Quarter!

India’s Cancer Care Opportunity: Listed Proxies for a 1.6 Million-Case Market

Tejas Networks: Tata Group's Research Company, Beyond Bharatnet!

Ather Energy: EL Platform Opens the Next Phase of Mass-Market Growth

Fermenta Biotech: Specialty Nutrition and Green Chemistry Play

Beat the Street

Beat The Street was founded by Nimish Maheshwari and Sudarshan Bhandari, both of whom are Chartered Accountants by Profession, known for their expert analysis in the fields of Business, Sectoral analysis, and Corporate governance.

With a strong social media presence of 45,000+ Subscribers across various platforms, they are considered trusted voices in the industry. Their insights and analysis have been featured in some of India’s most prominent publications, including the Economic Times, Dalal Street Investment Journal, The Morning Context, and The Ken.

Their analysis on Bankrupt & Insolvent companies has been instrumental in saving investors from significant losses. They have a keen eye for identifying red flags and has identified exclusive redflags earlier in Vedanta, Nykaa, Dhani Services, Adani and many more.

Read Business Not Stock Prices

Equity Bottom-Up

Jana Small Finance Bank / Equity Bottom-Up

<ul>
<li>Jana Small Finance Bank, a secured-lending-focused lender, reported Q1 FY27 PAT of INR 155 crore, up 52%, with NIM at 7.5% and GNPA improving to 2.24%.</li>
<li>Gross loan portfolio grew 26% to INR 37,612 crore, secured loans reached 72.8%, slippages fell, CASA improved to 19%, and credit cost held at 0.45%.</li>
<li>With MFI stress easing and promoter risk contained, FY27’s 19-21% loan growth, 23-25% deposit growth and 80%+ PAT growth hinge on asset quality and deposit execution.</li>
</ul>


Jana Small Finance Bank, a secured-lending-focused lender, reported Q1 FY27 PAT of INR 155 crore, up 52%, with NIM at 7.5% and GNPA improving to 2.24%.
Gross loan portfolio grew 26% to INR 37,612 crore, secured loans reached 72.8%, slippages fell, CASA improved to 19%, and credit cost held at 0.45%.
With MFI stress easing and promoter risk contained, FY27’s 19-21% loan growth, 23-25% deposit growth and 80%+ PAT growth hinge on asset quality and deposit execution.


Jana Small Finance Bank: Q1 FY27 Signals a Clear Turnaround