Do superfoods equal super products? AVOCADO CAN WORK

Do superfoods equal super products?

From kale to quinoa, avocado and chia seeds, a number of new ingredients are popping up in cosmetics

When it comes to beauty products most of us try to read labels for ingredients. So when a product is rich in foods like kale, quinoa and chia seeds which are known for health benefits, most would rush out to try them. Quinoa, for example, is high in protein, magnesium and iron, and is a main ingredient in some moisturisers. Avocado is not only said to be good for skin but great as part of a hair conditioner or mask, adding moisture to dry strands. Kale, the leafy food is part of skin-brightening serums, creams and nail polish. Chia seeds make for a great serum for mature skin. But the question remains do these work as well as when consumed or is it a marketing gimmick?

MORE STUDIES NEEDED
Dr Abhay Talathi, dermatologist, Skin Space Clinic, says, “In my opinion, scientific studies conducted and performed to assess benefits and safety of these products are rare which makes us realise that use of these products needs to be cautious. Chia seed oil has certain fatty acids and may help in moisturising the skin hence keeping wrinkles and dry skin at bay. Quinoa contains certain proteins and can help in hair conditioning. Superfood products at present have doubtful cosmetic value in comparison to well tested products. Kale is said to contain Vitamin A, E and antioxidant properties but use of these properties through nail polish does not have enough research backing it up.”

AVOCADO CAN WORK
Dr Apratim Goel, consultant dermatologist and laser surgeon, Cutis Skin Studio, explains the benefits of each superfood. “Kale is a known antioxidant in the nutrition industry which is high in Vitamin C and helps keep the skin looking radiant. The high flavonoid content also produces anti-cancer effects not only for your skin but overall body as well. Kale juice has omega 3 and 6 fatty acids which helps in preventing or treating hair loss and hair breakage as well. However, ingested kale is better than applied. Kale in nail polishes help in a very small percentage for nail heath due to its rich content of vitamin E,” she says, adding, “Quinoa has been used in cream forms and as a home-made face-mask blended in soy milk. It helps in anti-aging and acne treatment. It is rich in nine essential amino-acids, proteins and lysine. Hence, when ingested it helps a great deal. Avocado too is rich in potassium, vitamin E and Vitamin C which serve great skin benefits. People with acne also benefit with avocado masks with three drops of lemon added to it.”

KALE BETTER CONSUMED ORALLY
Dr Jaishree Sharad, cosmetic dermatologist feels that there is not adequate research to determine the degree to which these superfoods work in creams and hair products. “Avocado definitely seems promising as it is a moisturising agent and helps with fine lines. But the newer superfoods haven’t really been tested. Kale is great when consumed orally but not sure about its benefits in products. Chia seed oil contains omega 3 which protects the skin and helps prevent dehydration in the long run,” she says.

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Try contouring your collarbone

Try contouring your collarbone


Contouring has come to the forefront recently with more make-up artists emphasising on the benefits of using this make-up technique. It basically involves using highlighting and bronzing make-up to bring out one’s bone structure while minimising possible fat. Clavicle or collarbone contouring may not seem necessary but it can add to one’s overall look. It may not make you look skinnier but adds a dimension to your neck and is especially useful for those evenings when one’s flaunting off shoulder dresses.
In order to achieve the right glow, you must first hydrate your skin. Starting off with a primer can ensure long lasting results. Make use of a body moisturiser or a BB cream and spread all over the exposed area, to help enhance your colour. Use a face highlighter that’s one shade lighter than your skin tone. Apply it on top of the collarbones so that it lends a pretty contrast and blend in. A touch of shimmer will complete the look.


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Beauty questions - dark circles - facial hair - stretch marks

I have normal skin but I have hereditary dark circles. I have tried many remedies but haven’t had any good results. Also, please suggest something for glowing skin and radiant cheeks. —Pratik
You now know from experience that nothing gives you good results when dark circles run in the family. What you can do best is avoid keeping the skin from drying, cause that further causes crinkled skin which looks darker. Do not rub your eyes as that causes damage to the fine blood vessels in this area and pigments will add to the darkness. Use Kojic acid and lactic acid creams for keeping it light. Work out every day, cleanse your skin and eat healthy.

What is the best solution to get rid of facial hair? I go to the salon for threading but I want a painless easier solution. — Reema
There are many ways to remove hair. But on the face, where skin is delicate and exposed to the sun one needs to be careful. Hair removal creams may be a good option and is painless. Also, laser hair reduction can be one of your options if you have thick hair. If it is fine hair and light coloured, let me warn you that you will not have satisfactory results and it may also worsen.

I have stretch marks on my arms and legs especially around the bottom area. I have not had any major weight gain or loss. What could be the reason for this and any creams/oils that you recommend? — Jyothi
Some skins have a tendency to get stretch marks irrespective of the weight fluctuation. The creams that I see science in is Strivectin SD or then Bio Oil. Plenty of moisturiser with some retin A creams will also help to an extent. You could try some micro needling, lasers and radio frequency at your doctors.

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Mens are also get victimised by women

WHAT MEN DON'T TELL YOU





... and what Hollywood actress Emma Watson observed in her speech on feminism at the UN is that it's not just women who get victimised. A look at the issues that plague men and often go unreported

In a bid to redefine feminism, Hollywood actress Emma Watson touched upon gender issues that affect men and never get spoken of. Men, just like women, are bound by an image in the society , which portrays them as a provider and as one who shows no sign of weakness.Depression, sadness and tears are never seen as part of man's makeup. And if he does exhibit any of those signs, he's looked down upon by family and friends.Unlike women, who choose to speak out, men do the opposite -they ignore the signs, which result in psychosomatic and mental illnesses, addictions to substances and suicide in a increasing number of cases.Let's take a look at some of the issues that men are afraid to talk about...

DOMESTIC VIOLENCE ON THE RISE
In most cases, men have been seen as perpetrators of violence -physical or mental. However, Mumbai-based psychologist, Dr Harish Shetty, says, “I have seen several cases in my three decade long career of men being the affected party.Domestic violence has increased in families. Men are beaten by teenage children and by spouses. They are emotionally bashed at the workplace by their bosses. There are instances where friends of their girlfriend come and bash them when things go bad, but these things go unsaid.They suffer in silence.“ This often leads to a vicious cycle of ailments, depression and psychosomatic illnesses like ulcers, heart related diseases and diabetes. “Men don't seek help when they are depressed, irritable or angry . They either fall prey to addictions or commit suicide,“ adds Dr Shetty , who says that more men commit suicide than women.

DEPRESSION SETS IN
A direct cause of the increasing pressures that men face is depression. Citybased psychologist Dr Yusuf Matcheswala says that while the occurrence of depression is common in men, they do not realise that they are suffering from it. “Men being men, feel they will be perceived as weak if they seek help from a psycholo gist and don't want to accept there is any weakness in them. Even though it's okay for men to be metrosexual, do manicures, pedicures and wear strawberry lip balm, sadly, seeking help is not,“ says Dr Matcheswala.
Seeking help can sometimes cause complications.“Men become quieter and lose interest in life; they begin lying about their jobs. They tend to eat more, drink more alcohol and crib about office all the time. They avoid responsibilities and feel worthless and hopeless,“ says Dr Shetty, adding that these problems can be avoided if there is enough awareness. “A simple trip to a friendly neighbourhood counsellor can do the trick,“ he adds.

SEXUAL EXPLOITATION
An alarming number of young boys find themselves a victim of sexual exploitation. Dr Shetty says that unless those who are exploited seek help and attain closure, the effects of such trauma can be lasting.“I have seen cases where men, who were assaulted when they were young, lose interest in marriage. At times, boys who've been abused sexually, grow up with an unhealthy idea of sex.“ Such experiences scar a person for life and prevent them from leading a productive life.

FATHERHOOD BLUES
The pressures of modern life can take a toll on men and increase if they have a family to support. In a fastpaced city like Mumbai, the struggle and stress starts with the morning commute and continues through the day, with work pressures mounting. With the onus of financial responsibility and upkeep of the family on him, a man has to keep it all together. In Mumbai, members of the Save Our Family Association meet every Sunday to talk about these issues and share their problems. Says a member, Jinesh Zaveri, “We see cases where fathers are denied rights to meet their children after a divorce. We listen to them, console them, and suggest the best possible course of action.These men are so affected that initially, they barely speak and are tight-lipped.But later, they open up and even cry, forgetting their image of being a tough man.“ He feels that besides counselling, men also need support and an eager ear to listen to their issues.

EMMA WATSON'S SPEECH ON ISSUES THAT MEN FACE
I realised that fighting for women's rights has too often become synonymous with man-hating. I've seen my father's role as a parent being valued less by society, despite my need of his presence as a child, as much as my mother's. I've seen young men suffering from mental illness, unable to ask for help for fear it would make them less of a man. In fact, in the UK, suicide is the biggest killer of men between 20 to 49, eclipsing road accidents, cancer and coronary heart disease.
I've seen men made fragile and insecure by a distorted sense of what constitutes male success. Men don't have the bene fits of equality, either. We don't often talk about men being imprisoned by gender stereotypes, but I can see that they are, and that when they are free, things will change for women as a natural consequence.





How Amar Chitra Katha Evolved For Digital Age

Old story tellers to the nation remain on top of their game





How Amar Chitra Katha Evolved For Digital Age

It is indisputable that Amar Chitra Katha has been a part of every Indian child’s growing up process — and consequently, in shaping the way we look at our past. The brand of comic books — even today, India’s only answer to the Marvels and DCs of America — has kept itself relevant in the digital age drawing staggering crowds at events like the Comic Con.
At the recent Bengaluru Comic Con, the ACK stall was the biggest and most crowded.
How did a brand that has changed hands several times not only retain its original ethos, but built upon it to create a publishing house that is transitioning into the digital space? ACK was born in 1967, when founder Anant Pai, who was then working as a junior executive in The Times of India’s books division, walked into the offices of India Book House in Bombay, owned by G L Mirchandani.
The story of how Pai came to start one of India’s biggest publishing successes is told, appropriately, in the form of an ACK biography published in 2012. It talks about Pai stumbling upon a televised quiz contest, in which the contestants were able to answer questions on Greek mythology but failed to correctly name Lord Ram's mother. The first title was Krishna, published in February 1970.
Although the stories are told simply, Pai was quite focused on research and getting facts right, as far as the term `facts' can be applied to myths and folk-tales that have been told over hundreds of years. ACK and its sister publication Tinkle had a golden run up to the late 1980s, with at least 10 new titles a year.
Then, a lull set in, and there were very few new comics after 1991 -only a few `specials' such as biographies of personalities like J R D Tata and Kalpana Chawla. The slowing down was partly due to the group's increasing focus on Tinkle, the fortnightly comic anthology , and partly due to a creative lull stemming from a seeming lack of materi al (historical, mythological and folks stories) that could be converted into comics. Some say there was dissent in India Book House as well, and Mr Pai's editorial autocracy was being questioned. Between 1991 and 2011, just about 10 comics were published.
The group clearly needed new direc tion, and it came in the form of an ac quisition. In 2007, entrepreneurs Samir Patil and Shripal Mo rakhia acquired and incorporated Amar Chitra Katha from the Mirchandanis, besides bringing to gether the publica tion and the distri bution business under a single corpo rate entity called ACK Media in 2010.
The story telling picked up pace again, with many new titles such as Surjya Sen, Tales of Indra, and Tenzing Norgay being published.
Eventually , the two entre preneurs sold a majority stake (65.84%) of the company to Kishore Biyani's Future Ventures in tranches over two years (26% for a reported Rs 37 crore in 2011, followed by an acquisition of another 30%, and finally buying around 9% more in April 2012, as per medianama.com in September 2013).The rest (26%) is owned by private equity business Elephant Capital, and the group is headed by CEO Vijay Sampat.
The digitization of the content has proved to be a success.The ACK app was released on iOS and Android platforms in May 2014, and within a week, it was the top book app for the platform in India, and the No. 4 app overall. The brand also moved quickly into online retail environment. Yet, it's not just the business that has to evolve; the content must keep pace with changing realities as well. Critics and more politically aware readers have found fault with many aspects of the comics' content, for instance the fact that they are written extremely simplistically .
They have also come down on aspects like portrayal of women in the patriarchal passive sati-savitri mode, and on the depiction of positive characters as light-skinned individuals and the negative ones as dark. Responding to this criticism is a challenge for Reena Puri, executive editor, Amar Chitra Katha . “But the asuras are becoming fairer!“ she says with a laugh, adding that the creative team is not tone-deaf and has made efforts to reflect 21st century sensibilities in the writing and artwork.





`Delay in lodging theft complaint can cost consumer insurance claim'

`Delay in lodging theft complaint can cost consumer insurance claim'





Theft is a criminal of fence for which a police complaint has to be lodged. Earlier the complaint is lodged, better are the chances of the police nabbing the culprits and recovering the stolen property . Delay in lodging a police complaint gives the culprits an opportunity to escape with the burgled property .The consequences of delay in lodging a police complaint have been dealt with by the national commission in a recent judgment in the case of United India Insurance Company Limited vs Jogendra Singh.
Case Study: Singh had purchased a tractor for Rs 3,70,000. It was covered under a comprehensive policy issued by United India Insurance.During the intervening night of May 31 and June 1, 2005, the tractor, parked outside Singh's house, was stolen. Singh's brother informed the police of the theft and an FIR was registered on June 10. The police could neither trace the vehicle nor catch the culprit, and hence closed the investigation by a final report, which was also accepted by the criminal court.
The insurance firm refused to settle the claim on the grounds that it had learnt of the theft on June 13, 2005, through Canara Bank, that had financed the vehicle. The insurer alleged Singh had not taken care of the tractor and had failed to cooperate in search for the culprits. Challenging the repudiation, Singh filed a complaint before the district consumer forum. Contesting it, the firm justified the rejection on the grounds that a delay in reporting the incident to it constituted a breach of policy terms.
The forum held that the repudiation was not proper and ordered that the claim be set tled. The insurance company appealed to the Uttarakhand state commission, which concurred with the view taken by the district forum. The insurance company then filed a revision petition.
The commission considered the SC ruling in United India Insurance Company Ltd vs Ms Harchand Rai Chandan Lal, where it had held that policy terms, requiring the incident to the reported “immediately“, must be strictly construed to fasten liability on the insurance firm. So it is incumbent upon the insured to inform the police about the theft within 24 hours and the insurance company within a day or two, unless the insured is prevented from doing so due to some bodily injury . Any delay would result in loss of valuable time in attempting to trace the vehicle.
The national commission observed that Singh was unable to substantiate that the police had been intimated of the theft the very next morning.The FIR established that a complaint had been lodged on June 10, 2005. Even the insurance company was not informed promptly , and it learnt of the incident only 12 days later. It held that Singh had committed a breach of the policy terms by delaying reporting of the incident to the police and to the insurance company , thereby depriving the insurer of a valuable right to investigate whether a theft has indeed taken place.
The national commission concluded that repudiation of the claim was justified. It set aside orders of the district forum and the state commission and dismissed the complaint.
Conclusion: The insured must promptly report theft to the police. The intimation must be given in writing through a letter, so that even if there is a delay in registering the FIR, the date of intimation can be established. Similarly , the insurance company must also be intimated promptly . Any delay can prove fatal to a claim.

Even if estranged wife earns, man must provide for child: HC

Even if estranged wife earns, man must provide for child: HC





A man cannot be relieved of his responsibility of contributing to the financial needs of his child merely because his estranged wife is economically sound, the Bombay high court has ruled. Justice M S Sonak upheld a family court's interim order, directing Pune resident Prakash Mehta to pay Rs 8,000 a month for the rent of a flat where his estranged wife Seema and their child live. Mehta had claimed Seema, an IT engineer, earned over Rs 60,000 a month, while his monthly salary was Rs 35,000.
“The conclusion in all cases cannot be that if a wife can provide for their child, her spouse is altogether relieved of his obligation to contribute to the financial needs of the child,“ said the judge. The HC also rejected Mehta's contention that the family court could not have passed the order for providing a residence as the main application for maintenance under the Hindu Marriage Act was still not decided. The court said an application, seeking relief of residence under Domestic Violence Act, was maintainable.
“There is no question of awaiting the disposal of the main proceedings and only then, giving an order for providing a residence. If such a strained interpretation is permitted, the very object is likely to be frustrated,“ the judge said. The court pointed out that Seema bore all the expenses of maintenance, education and medical needs of their minor child, while Mehta did not shell out anything.
“There can be no doubt that the responsibility to provide maintenance and shelter to a minor child is equal for both the parents,“ the judge added.
Seema had approached the court, seeking maintenance for herself and her child from Mehta. She sought interim relief, claiming Mehta had allowed the leave and licence agreement of their matrimonial flat in Pune to lapse in order to harass her. She was then forced to find a new house and paid a rent of Rs 9,000 per month. Mehta claimed Seema and the child lived in her brother's flat and did not pay rent.The HC, however, disagreed and said Seema's brother was not under any legal obligation to provide her residence gratis.
(Names changed to protect the family's identity)





The Hindu Succession (Amendment) Act 2005 with regard to Females of an HUF

HUFs are taxed as separate entities 





Over the past few months, we received investor queries about how one can put in place a Hindu Undivided Family (HUF) structure, various legal aspects and operational issues related to the same. Tariq Aboobaker, who specializes in succession planning by individuals, families, etc, answers some of those queries. 

How is an HUF formed?
An HUF is a legal expression, which has been employed in taxation laws as a separate taxable entity. An HUF can comprise large, small or nuclear families. Although only one member or coparcener cannot for m an HUF, the property held by a single coparcener does not lose its character of joint family property solely for the reason that there is no other male or female member at the time. Once the coparcener marries, an HUF comes into existence as he along with his wife constitutes a joint Hindu family.

Who can give seed money?
After creation of an HUF, an application for an income tax PAN is made and subsequently an HUF account is created.The coparceners and members, including the Karta (the person who manages the affairs of the family), can transfer money into the HUF account and other assets can also be transferred to the HUF.

Who can give a gift to an HUF?
Gifts can be received from members, relatives who are non-members and also from strangers up to a certain limit. Who can withdraw from an HUF? And for what purpose?
The Karta controls and becomes the custodian of the finances of the HUF. He can borrow money for and on behalf of HUF and can also spend money for the family and is not accountable for it.

What is the role of Karta?
Usually, the senior most male member of the family is Karta in an HUF, even if he is aged or incapacitated. In case the senior most member is not the Karta, then the next senior male member takes over as Karta. However, a junior male member can also act as the Karta with the consent of the other members. The Karta can claim remuneration and other benefits from the HUF.
The Karta manages the affairs of HUF, controls and becomes the custodian of the finances, can borrow money for and on behalf of HUF, spend money for the family, can make partition of the family. However, an HUF cannot enter into contracts, or form a partner or form a partn ship firm, or represent the family except through the Karta. On his part, the Karta may allow others to represent the HUF, can gift assets of HUF to f amily, but all those should be within reasonable limits. The Karta can alienate the joint family property with the consent of the coparceners and if all the coparceners are adult, the alienation is binding on the entire joint family.

What is the status of an HUF after the death of the Karta?
On the death of the Karta, the HUF can continue with the next senior male member taking over as the Karta.

Can a family property be part of HUF after death of parents?
Yes, that is possible.

How are investments done under an HUF structure?
Investments by an HUF are made by the Karta either in his own name or in the name of the HUF. The HUF as an entity cannot invest in government's small savings schemes, such as PPF, NSC, monthly income schemes, re curring deposits and other time deposits. An HUF account cannot be opened with joint holders and no nominee can be appointed for an HUF account.

The writer is MD, Amicorp Trustee (India)





Prajapita Brahma Kumaris Ishwariya Vishwa Vidyalaya Contact

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Mathura, Devotees light lamps in Keshev Dev Temple premises during Diwali Festival celebration in Mathura on Thursday.

Mathura, Devotees light lamps in Keshev Dev Temple premises during Diwali Festival celebration in Mathura on Thursday.

Businessmen pray in front of their record-keeping books as part of a ritual to worship the Goddess of wealth, Lakshmi, on Diwali in Ahmedabad.

Young girls light earthen lamps Diwali festival celebration in Allahabad.

A Border Security Force (BSF) personnel pose for media as they light candles on the fencing along the India-Bangladesh border on the eve of Diwali at Lankamura village on the outskirts of Agartala, Tripura.

BSF soldiers enjoy Diwali celebrations on the eve of Diwali at the India-Bangladesh border post of Lankamura, about 5 kilometers from Agartala.

BSF jawans celebrating Diwali by lighting crackers at the India-Bangladesh border in South Dinajpur district of West Bengal

People light lamps and arrange them into a formation on the eve of Diwali in Chandigarh on October 22, 2014. Earthen lamps were lit during a public ceremony for world peace in the city on Wednesday, organisers said.

Dakshineswar Temple decorated with lights for the Kali Puja and Diwali at North 24 Pargana, West Bengal

Sikh devotees gather on the occasion of Bandi Chhor Divas, or Diwali, at the Golden Temple in Amritsar on October 23, 2014. Sikhs celebrate Bandi Chhor Divas, or Diwali, to mark the return of the sixth Guru, Guru Hargobind Ji, who was freed from imprisonment and also managed to release 52 political prisoners at the same time from Gwalior fort by Mughal Emperor Jahangir in 1619.

Sikh devotees gather on the eve of Bandi Chhor Divas, or Diwali, at the Golden Temple in Amritsar on October 22, 2014.

Britain`s Deputy Prime Minister Nick Clegg celebrate Diwali with Indian-origin parliamentarians and businessman in London on Wednesday.

Residents light candles and lamps at the Madan Mohan Malviya stadium on the eve of Diwali in Allahabad on October 22, 2014.

Muslim children celebrating Diwali with sparklers at a Madarsa in Mirzapur on Wednesday.
 A Malaysian ethnic Hindu holy man blesses a girl during Diwali in Kuala Lumpur on October 22, 2014.

Widows, who have been abandoned by their families, hold earthen oil lamps as they offer prayers on the banks of the river Yamuna as part of Diwali celebrations organised by the NGO Sulabh International in Vrindavan, in the northern Indian state of Uttar Pradesh October 21, 2014. Hundreds of the widows who live in various ashrams run by the Sulabh International participated in the celebrations for the first time this year, according to the organisers.

Widows light sparklers after offering prayers on the banks of the river Yamuna as part of Diwali celebrations

People walk in front of the BSE building during the auspicious Muhurat trade on the first day of Diwali at the BSE on Laxmi Poojan in Mumbai

Mathura, Devotees light lamps in Keshev Dev Temple premises during Diwali Festival celebration in Mathura on Thursday.

What’s your favorite exercise?

Looking for some effective ways to transform your body? There are a few great exercises that will help you to reach your fitness goal. These exercises are easy but effective in strengthening your body along with burning unwanted calories. However, sticking to these exercises is not enough to transform your body, you should also eat healthy and get enough sleep regularly. Don’t waste your precious time doing other workouts, here are seven exercises that will help you transform your body in no time.

1. Jumping rope

When was the last time you jumped rope? Perhaps in your childhood. Jumping rope is a cheap and easily portable exercise that you can do almost anywhere. This workout burns more calories per minute than any other workout. Get jumping for a perfect exercise and plenty of fun. One of the best things about jumping rope is that you can do it with your kids. Moreover, jumping rope is a fantastic way to fit in a highly effective cardio session when you are on the go. Simply toss your jumping rope in your carry-on and you don’t need to look for the nearest gym. So, who said jumping rope is only for kids?

2. Squats

The squat is a compound, full-body exercise that works more than one muscle group. This powerful exercise helps tone your glutes, strengthen your body and burn a lot of calories. To boost your calorie expenditure and raise your heart rate, you can try to do jump squats. Or stay in a squat hold with dumbbells in the hands to increase the resistance as well as feel the burn. Doing squats regularly is one of the best ways to transform your body as well as improve your physical health. If you sit all day at work or at home, you are at higher risk of serious disease. Why not do several squats whilst waiting for your dinner to cook, the kettle to boil, or your PC to boot up? Sometimes multitasking is a great thing!

3. Pushups

Unfortunately, many people avoid doing pushups since this exercise is a bit harder to perform, but it can do wonders for your body. There are plenty of different pushups that work the different muscles in the shoulders and arms. Try to vary your pushup style to lower your risk of becoming bored with exercise. Not only do pushups work the upper body, but also work the core. Do pushups a few days a week to help sculpt the arms and overall transform the body. Plus, pushups are good for your heart and cardiovascular health and this exercise helps to improve your posture. Just make sure you do them correctly – learn to do pushups with your back straight to reduce back pain and avoid straining your back.

4. Lunges

To tone the muscles in your legs try doing lunges. Lunges give you such amazing results because they isolate every leg individually, helping transform your body. To add some cardio and boost the intensity, do some jump lunges. I suggest you to do 3 sets of 10 lunges a day for the best results. Since lunges are a very effective workout for strengthening, sculpting and building a few muscle groups, why not do them every day? Even if you have a super busy schedule, you can still find time to do several lunges. Stop making excuses and start exercising to transform your body today.

5. Swimming

The great news for all lovers of swimming and for those who are trying to transform their bodies – swimming is a super effective workout that will bring you astonishing results. Swimming helps strengthen your core and work different muscle groups. Swimming boasts numerous health benefits. It helps to reduce your blood pressure, strengthen your heart and improve your aerobic capacity. Plus, swimming is a wonderful way for your family to get moving and have plenty of fun together. Though, this exercise is not as portable as jumping rope.

6. Running

There are many benefits of running. It helps to relieve stress, improve your heart health, reduce the risk of depression, burn mega calories and improve your overall health. Running can actually transform the body like nothing else. It builds strong, toned legs and makes them look thinner. I enjoy running, especially early in the morning, and I think it’s one of the best exercises to do every day. I always feel a great sense of accomplishment after my run. If you don’t feel like running, try jogging. Not only does jogging help to burn calories, it also helps to improve your overall health.

7. Cycling

A cycling workout is a foolproof way to get a great sweat and work your legs. Cycling is a wonderful exercise since you can push yourself at a higher intensity. It strengthens your legs, arms and back, encourages your heart to work more efficiently and aids in weight loss. Cycling is also one of the easiest ways to fit exercise into your everyday routine since it’s a great means of transportation. It gets you fit, saves you money, and is good for your health. Bring along your significant other or friend, or cycle solo, and ensure you get the most out of your workout.
So there you have it! The list of the most effective exercises that will definitely help you transform your body. Just make sure you do them on a regular basis to see the best results. What’s your favorite exercise?

Surat businessman gives expensive jewellery, cars, flats as Diwali bonus

‘बिग बोनस’ देणारा तो चौथी पास

 

देशातील सर्वच कर्मचा-यांना हेवा वाटावा असा आपल्या कर्मचा-यांना बोनस देणारे सावजीभाई ढोलकीया हे फक्त चौथी शिकलेले आहेत. मात्र त्यांच्या जिद्द, चिकाटी आणि नम्रतेने त्यांना आज भारताती एक यशस्वी उद्योगपती बनवले आहे. एका खासगी वृत्तवाहिनीला दिलेल्या मुलाखतीमध्ये कोट्यवधीचा बोनस देणारे 'हरिकृष्ण एक्स्पोर्ट'चे मालक सावजीभाई ढोलकीया यांनी एवढा मोठा बोनस देण्यामागील कारण स्पष्ट केले आहे. 

माझ्या कर्मचा-यांच्या कर्तृत्वाच्या तुलनेत मी त्यांना दिलेले बोनस अगदीच नगण्य असल्याचे मत व्यक्त केले. मी फक्त चौथी पर्यंत शिकलेलो आहे. १२व्या वर्षी मी शिक्षणाला राम राम ठोकला आणि हि-यांच्या व्यवसायामध्ये काम करण्यास सुरुवात केली. मी स्वत: कसलेही शिक्षण घेतलेले नाही. मात्र मी रोज वाचन करतो आणि रोज काहीतरी शिकण्याचा प्रयत्न करतो, असे सावजीभाई यांनी स्पष्ट केले. 

मी माझ्या भावांसहीत सुरतमध्ये असेच काम करीत होतो. आम्हा चार भावंडांपैकी एकानेही दहावीच्या पुढे शिक्षण घेतेले नाही. माझ्या सर्वात छोटा भाऊ दहावी पास असल्याचे ढोलकीया सांगतात. देवाच्या कृपेने मला माझ्या घरच्यांचा कायमच पाठिंबा राहिला आहे, असेही त्यांनी सांगितले. 

आम्ही कर्मचा-यांना बोनस देण्यासाठी ५० कोटींचे बजेट निश्चित केले होते. मी सर्वांसाठी गाड्याच घेणार मात्र नंतर आमच्या लक्षात आले की कंपनीतील २०० कर्मचा-यांकडे स्वत:चे घर नाही, म्हणून त्यांना घर देण्याचा आम्ही निर्णय घेतला. तर ५०० कर्मचा-यांकडे घर आणि गाडी दोन्ही असल्याने आम्ही त्या प्रत्येकाच्या पत्नीसाठी हि-याचे दागिने देण्याचे निश्चित केले. गुजरातमध्ये अनेकदा नव-याला पाठिंबा देणा-या त्याच्या चांगल्या-वाईट परिस्थितीमध्ये ठामपणे त्याच्या पाठिशी उभ्या राहणा-या स्त्रीयांचे कौतुक केलेच जात नाही. म्हणून आम्ही मुद्दाम दागिने देण्याचा निर्णय घेल्याचे ढोलकीयांनी मुलाखतीमध्ये सांगितले. 

मी खुप छोटा माणुस आहे तुम्ही मला मोठे केले आहे. आमच्या कंपनीच्या या निर्णयाची देशभरात चर्चा होईल अशी अपेक्षा नव्हती. मात्र मला खात्री आहे की एवढी प्रसिद्धी मिळाल्यानंतर इतर उद्योजकही त्यांच्या कर्मचा-यांना चांगल्या सोयीसुविधा देतील. आमच्या कंपनीमध्ये एक क्रिकेटचे मैदान आहे जे मी गांगुलीला लंडनमध्ये खेळताना पाहिल्यानंतर बांधले. येथे माझ्या कंपनीतील कर्मचारी क्रिकेट खेळातात आणि त्यांना मी पव्हेलियनमध्ये बसून पाहतो. आमच्या कंपनीत व्ययामशाळा आहे, सोना बाथची सोबतच अनेक खेळांचे कोर्टही कंपनीच्या आवारातच असल्याची माहिती ढोलकीयांनी दिली. 

मी ज्यांना इतके काही देऊ केले आहे ते माझे कर्मचारी आहेत. ते मला तोट्यात जाऊन देणार नाहीत असा माझा विश्वास आहे. म्हणूनच आम्ही प्रामाणिकपणे काम करणा-यांना सन्मानीत करण्याचे ठरवले. मी जेव्हा १९९१मध्ये कंपनी सुरु केली होती त्यावेळी आम्ही १ कोटी रुपयांचा माल निर्यात करत होतो. आता हाच आकडा ६०० कोटींपर्यंत गेला आहे. आमच्या व्यवसायातील या भरभराटीसाठी आमचे कर्मचारी जबाबदार आहेत. त्यामुळेच आम्ही आमच्या कंपनीतील सर्व १२०० कर्मचा-यांच्या कामाचा लेखाजोखा तपासून आमची कंपनी पुढे नेण्यामध्ये कोणचा किती वाटा आहे याची माहिती गोळा केली. माझ्या मुलाने न्यूयॉर्कमधून एमबीएचे शिक्षण घेतले आहे. मागील सहा वर्षापासून तो मला या व्यवसायात मदत करती आहे. कोणला कोणते बक्षिस द्यायचे हे ठरवण्यासाठी आमची एक पद्धत ठरलेली आहे. ते सर्व काम माझा मुलगाच पाहतो. प्रत्येकाच्या योगदानानुसार त्याला बक्षिस देण्यात येते. इतरांनीही आमच्या १२०० कर्मचा-यांचा आदर्श डोळ्यासमोर ठेऊन जोमाने आपआपल्या श्रेत्रात प्रगती करावी. कर्मचा-यांकडे कौशल्य असते. मात्र मालकाने त्याच्या कौशल्याला वेळोवेळी प्रोत्साहन देणे गरजेचे आहे, असेही सावजीभाई यांनी सांगितले. 

माझे सर्व कर्मचारी वेळेवर कर भरतात. आमच्या कर्मचा-यांकडून १० कोटीचा कर भरला जातो. कर्मचा-यांना प्रोत्साहन देणे गरजेचे आहे. म्हणूनच आमच्या कंपनीमध्ये हिरा कापणा-याला डायमंड इंजिनिअरची पोस्ट दिली जाते. तर हिरा पॉलिश करणा-याला डायमंड आर्टिस्टची पदवी दिली जाते. या लोकांमध्ये खूप कला असूनही त्यांना फक्त ७० ते ८० हजार पगार आहे. म्हणूनच मी त्यांना इतर सुविधा देण्याचा प्रयत्न करतो. मी सोशल बिझनेस करतो. माझ्या कंपनीमध्ये २१ राज्यातील ३६१ गांवांमधील कर्मचारी काम करतात. त्यांचे प्रत्येकाचे पालक मला ओळखतात. मी सर्वांना हरिद्वारच्या यात्रेला घेऊन गेलो होतो त्यामुळे आम्हा सर्वांचे अगदी घरोब्याचे संबंध आहेत, असे सांगत त्यांनी आपल्या कर्मचाऱ्यांच्या घरच्यांविषयीची भावना देखील व्यक्त केली. 

जेव्हा तुम्ही एखाद्याला पैसे देता तेव्हा त्याच्यावरील जबाबदारी वाढते. मी एक व्यवसायीक आहे म्हणून मी कधी तोट्यात जाण्याच सौदा करणार नाही किंवा एखाद्याला उगच सहानभूती दाखवत नाही. मी इतर व्यवसायींकाना कर्मचा-यांना खुष ठेऊन व्यवसाय कसा करावा हे दाखवत आहे. मात्र त्यासाठी कर्मचा-यांनीही माझ्या कंपनीतील कर्मचा-यांसारखे कष्टाळू असावे असे मला वाटते. मी पहिल्यांदा एखादी वस्तू देतो आणि त्याचा मोबदला नंतर घेतो. पण बरेच जण याच्या उलटे करतात त्यामुळे कर्मचारी दु:खी होऊन मनापासून काम करण्याऐवजी करायचे म्हणून काम करतात. माझ्या कंपनीमधून अद्याप एकाही कर्मचा-याला काढून टाकण्यात आलेले नाही. कर्मचा-याला काही येत नसेल तर आमच्या गरजेनुसार त्याला प्रशिक्षण देऊन त्यांना पुन्हा कामावर ठेवतो. माझ्या कंपनीतून हिरे नाही तर माणसे तयार होऊन बाहेर पडली पाहिजेत, असे मला मनापासून वाटत असल्याचे मत ढोलकीया यांनी व्यक्त केले.

Giving bonuses during festivals is a convention practiced by many employers across the nation. However when it comes to bumper Diwali bonanza, this employer from Surat will beat many top corporate houses.

Such is the magnanimity of this Surat based company that cars, diamond studded gold jewellery, cars and even flats are being given as Diwali bonus.

Harekrishna Exports company in Surat has decided to give these extravagant gifts to its employees to appreciate them for their contribution and hard work.

Company's owner and diamond dealer Sabubhai Dholakia believes that the company owes a lot to its employees and workers for their contribution towards making it profitable.

A list of 1200 employees was being made out of which 491 employees have been given a new car as Diwali gift, while 525 employes have been given expensive jewellery and 200 employees have been given a new flat.

A total budget of Rs 50 crore has been set aside for the Diwali gift.

Muhurat Picks By ShareKhan

Diwali Special Picks - 2014
Buy Pipavav Defence and Offshore Engineering Ltd  at 39.70 Target 88 Stop loss 30.80
Buy Mangalam Cements Ltd  At 244 Target 561 Stop Loss 179
Buy Power Grid  Corporation Ltd At 140 Target 213 Stop Loss 117
Buy Jubliant FoodWorks At 1332 Target 2125 Stop Loss 1105
Buy Network 18 Media & Investments Ltd  At 49.30 Target 100 Stop Loss 33
Buy Eros International Media Ltd  At  239 Target 393 Stop Loss 190

Pipavav Defence and Offshore Engineering Ltd
Buy Pipavav Defence and Offshore Engineering Ltd  at 39.70 Target 88 Stop loss 30.80
The previous rise in the stock was a clear five-wave rise wherein wave 2 was an expanded flat pattern and wave 4 was a zigzag pattern. This five-wave rise completed a larger wave (1), following which wave (2) retraced 86% of wave (1). Now, it seems that the wave (3) has begun which has an equality target of Rs88. The stop loss for this trade is the swing low of wave (1), ie Rs30.80. Hence, the risk/reward ratio is quite favourable for bulls. The daily Know Sure Thing (KST) has come well into buy mode whereas the weekly KST is about to provide a buy cross-over. So, based on the above observations we recommend buying the stock


Mangalam Cements Ltd
Buy Mangalam Cements Ltd  At 244 Target 561 Stop Loss 179
The stock has provided a clear break-out fromthe symmetrical triangular pattern of whichwave E was an overshoot. The volumes hadincreased during the break-out which is oneconfirmation of an uptrend. The weekly MovingAverage Convergence Divergence (MACD) is insell mode but the monthly MACD is well in buymode and that increases the probability of anup move. The minimum equality target on theupside comes to Rs561 whereas the stop losson the lower side is pegged at Rs179, ie justbelow the break-out point. So the risk/rewardratio at the current market price of Rs239 isvery favourable for the bulls. Based on theseobservations we recommend buying the stockfor the above mentioned targets.


Power Grid Corporation Ltd
Buy Power Grid  Corporation Ltd At 140 Target 213 Stop Loss 117
The stock has provided a good break-out fromfour years of consolidation. It has provided aclear break-out from a parallelogram pattern,which was formed in wave X/B. Now wave Y/C up is expected. The momentum in the stockis expected to rise as the equality target forthe stock is still a long way to go on the upside.The equality target on the upside comes toRs213, which almost coincides with the upperend of the rising channel. The volume activityhas picked up after the break-out comparedwith the volume of the sideways trend. Thecrucial support on the lower side is pegged atRs117. Hence, that should be the stop loss forthe trade.


Jubilant FoodWorks Ltd
Buy Jubliant FoodWorks At 1332 Target 2125 Stop Loss 1105
The stock seems to have completed W-X-Ypattern and wave 1 and wave I of 3 seems tohave completed. Now wave III of 3 will beginwhich will have a minimum target of Rs2,125.On the other hand, the support on the lowerside is pegged at Rs1,105, ie the swing low of wave 2.


Network 18 Media & Investments Ltd
Buy Network 18 Media & Investments Ltd  At 49.30 Target 100 Stop Loss 33
The stock has been correcting since June thisyear. Our sense is that the stock is in a stronguptrend and the current fall should be used asan opportunity to buy into it. The stock iscurrently trading near multiple supports, ie itis trading around the 40-week moving average;it is also trading around a medium-term risingsupport trend line. In terms of Fibonacciretracements, it has reached the 61.8%retracement level of the rise from Rs28 toRs72, which is also a crucial support. It hasbeen consolidating near these crucial supportsand we sense that it is forming a base for thenext up move. We expect this crucial supportarea to hold good and the stock should resumeits uptrend very soon. Investors can buy thestock at the current market price for targetsof Rs72, which is the high it touched in Junethis year, and Rs100, which is a psychologicallevel. A stop loss should be placed at Rs33


Eros International Media Ltd
Buy Eros International Media Ltd  At  239 Target 393 Stop Loss 190
The stock has been consolidating in a sidewaysmanner since early September this year. Oursense is that it is consolidating in wave 4 of alarger degree impulse formation, ie we expectthe stock to form wave 5 on the upside. Thecurrent consolidation can continue for somemore time and investors can use this as anopportunity to accumulate the stock at thecurrent levels and add more if it falls to Rs215levels. Rs215 is the 38.2% retracement level ofthe rise from Rs106 to Rs283. Wave 2 of the stockwas sharp which retraced 61.8% of wave 1.Hence, we expect wave 4 to be sideways as perthe guideline of alternation, which shouldterminate around the 38.2% retracement level(Rs215). The targets on the upside are placed atRs349, which is the target for a truncated wave5, and Rs393, which is the equality target (Wave1 = Wave 5). A stop loss should be placed at Rs194,which is the high of wave 1.

 

Diwali Top Picks By Angel Broking Pvt Ltd

Diwali Special Picks - 2014
Buy Axis Bank Ltd For Target Rs.501 CMP 379
Buy Banco Products Ltd For Target Rs.182 CMP 139
Buy Bank of India Ltd For Target Rs.310 CMP 239
Buy Crompton Greaves Ltd For Target Rs.235 CMP 203
Buy Goodyear India Ltd For Target Rs.756 CMP 644
Buy ICICI Bank For Target Rs.1,894 CMP 1,460
Buy India Cements Ltd  For Target Rs.146  CMP 108
Buy Infosys Ltd For Target Rs.4,700 CMP 3,889
Buy Jagran Prakashan Ltd For Target Rs.154 CMP 122
Buy Mangalam Cement Ltd For Target Rs.337 CMP 244
Buy Punjab National Bank For Target Rs.1,109 CMP 900
Buy Siyaram Silk Mills Ltd For Target Rs.952 CMP 712

Axis Bank Ltd
Buy Axis Bank Ltd For Target Rs.501 CMP 379
*  Axis Bank, the third largest private sector bank in India, has been focusing on retail business in the past few years. It has increased its branch network at a 24% CAGR from 1,035 in FY2010 to 2,421 branches as of 1QFY2015, which has aided the bank to maintain healthy growth in its low cost deposits (CASA ratio at 42% in 1QFY2015). Moreover, the contribution of the retail advances to total advances has increased from 20% in FY2010 to 34% in 1QFY2015 (excluding retail agriculture loans), out of which 88% of retail loans are secured. Focusing on secured retail products has also aided the bank to maintain its relatively better asset quality with a Net NPA ratio of 0.44% as of 1QFY2015, which is one of the lowest in the industry.
*  Axis Bank is well capitalized with a capital adequacy ratio (CAR) of 16.09% and Tier I CAR of 12.64% as in 1QFY2015. Strong capital adequacy combined with branch expansion has positioned the bank to benefit from growth opportunities in the up-cycle and further improve its market share of advances and low cost deposits.
*  We expect the bank to grow its earnings at a CAGR of 17.2% over FY2014-16E. On the valuation front, Axis Bank is trading at 1.8x FY2016 P/ABV, ie at a 47.0% discount to HDFC Bank, which is trading at FY2016 P/BV of 3.4x. We maintain our Buy recommendation with a target price of `501.

Banco Products Ltd
Buy Banco Products Ltd For Target Rs.182 CMP 139
*  Banco is a manufacturer of radiators and gaskets that have applications in automobiles, oil engines, compressors and locomotives. The company is a leading exporter of aftermarket radiators to Europe, with a growing presence in the America, Middle East and African markets.
*  The commercial vehicle (CV) industry contributed ~80.0% to the company's domestic standalone sales in FY2014. We expect Banco to perform well on the back of recovery in the global economy as well as revival in domestic CV demand.
*  In order to focus on the core business, the company has divested its entire stake in Lake Cement for US$17.7mn at an approximate premium of 52%. It is expected that it will use the proceeds for acquisitions (in Europe) related to the core business. We believe this will strengthen its core business and fortify its presence in the global markets.
*  We expect Banco to register a CAGR of 15.0% in revenue over FY2014-16E to `1,536cr with an operating margin of 13.7% in FY2016E. The profit is expected to grow at a CAGR of 20.4% over the same period to `130cr in FY2016E. At the CMP, the company is trading at a PE of 7.6x FY2016E earnings. We have a Buy rating on the stock with a target price of `182 based on FY2016E PE of 10x.

Bank of India Ltd
Buy Bank of India Ltd For Target Rs.310 CMP 239
*  PSU Banks such as Bank of India (BOI) are expected to be among the beneficiaries of an improved economic and policy environment. Further with inflation consistently declining and gross domestic savings once again entering into financial savings such as deposits, we expect interest rates to decline going forward. This is expected to improve the operating performance of banks such as BOI on all fronts including credit growth, asset quality and treasury gains.
*  Benchmark 10-year bond yield has fallen to 8.46% and is expected to fall further due to the softening trend in inflation, which is expected to contribute to substantial treasury gains for banks such as BOI.
*  In the last ten years, BOI has traded at an average P/ABV multiple of 1.1x and in the range of 0.7x to 1.4x. Currently it is trading close to its bottom average trading range in the last 10 years and at an attractive valuation of 0.5x FY2016E P/ABV, which is at a 44.4% discount to its closest peer, Bank of Baroda. We expect the valuation gap to narrow with improving fundamentals. Hence we maintain our Buy view on the stock with a target price of `310.

Crompton Greaves Ltd
Buy Crompton Greaves Ltd For Target Rs.235 CMP 203
*  Crompton Greaves (CG) is among the leading players in the power transmission & distribution, industrial equipment, and consumer products and solutions segments in India. The company derives more than 50% of its revenue from international operations (as of FY2014).
*  The company has proposed to de-merge its consumer business into a separate listed entity. In the consumer business, CG is a market leader in the fans and pumps segments with 26% and 14% market shares, respectively. We believe the demerger would unlock value for share holders as the consumer business is expected to deliver strong growth in the near future with higher margins and better return ratios. Thus, CG's consumer business would command a higher valuation multiple, in line with its peers in the space.
*  The overseas operations as in Belgium, Hungary, Canada and US have become profitable at the EBITDA level but are still showing losses at the net profit level owing to higher interest liabilities. CG's Management expects margins to improve as the new orders bagged are relatively higher margin orders.
*  The stock trades at an attractive valuation of 0.9x FY2016E EV/sales; we maintain our positive stance on the company and assign an EV/sales multiple of 1x to arrive at a target price of `235, implying an upside of 16% in the stock price from the current levels.

Goodyear India Ltd
Buy Goodyear India Ltd For Target Rs.756 CMP 644
*  Goodyear India (GIL) is a market leader in the tractor tyre industry, with a market share of ~22% in the front tyre segment and ~34% in the rear tyre segment.
*  Raw Material cost accounts for ~71% of net sales of which, rubber constitutes ~62%. Natural Rubber (NR) prices have been declining in the recent past largely due to global surplus in NR. Domestic rubber prices have declined from average levels of `171/kg in CY2013 to `121/kg currently. Additionally, styrene butadiene rubber (SBR), which is also used for manufacturing tyres, is showing signs of weakness owing to weak demand from China.
* GIL is a debt free-cash rich company with a RoIC of 64.9%. We expect the company's RoIC to surge to ~148% in CY2015. The company's cash and equivalents are expected to be at `545cr by CY2015-end, which are ~36% of the current market cap.
*  The stock is currently trading at a PE of 10.2x for CY2015E. We have a Buy recommendation on the stock with a target P/E of 12x for CY2015E, and arrive at a target price of `756.

ICICI Bank
Buy ICICI Bank For Target Rs.1,894 CMP 1,460
*  In the last six years, ICICI Bank has delivered a strong performance in a tough environment. It has increased its branch network from 1,388 branches in 1QFY2009 to 3,763 in 1QFY2015. Its balance sheet also strengthened, with CASA ratio improving from 29% at the end of FY2009 to 43% in 1QFY2015, Gross NPA ratio decreasing to 2.69% in 1QFY2015 as against 5.1% in FY2010 and Net NPA ratio decreasing to 0.87% in 1QFY2015 as against 1.87% in FY2010.
*  Branch expansion coupled with strong capital adequacy at 17.57% (Tier1 at 12.5%) will in our view enable the bank to grow its loans and low-cost deposits at a faster pace than the industry and increase its market share as the business environment turns conducive.
*  The stock is trading at a valuation of 1.9x FY2016E P/ABV (adjusting for subsidiaries). We maintain our Buy recommendation on the stock with a target price of `1,894, valuing the core bank at 2.5x FY2016E P/ABV and assigning a value of `206 to its subsidiaries.

India Cements Ltd
Buy India Cements Ltd  For Target Rs.146  CMP 108
*  India Cements is the largest cement player in south India and the fifth largest player in India, with an installed capacity of 13.1 MTPA in south India and overall total capacity of 15.6 MTPA (pan India). The company derives 85-90% of its revenue from south India. Due to excess capacity in south India and political instability in Andhra Pradesh, the demand for cement in the south region had been weak in the past couple of years. Now, with the Telangana issue being resolved and demand picking up in the region, we expect overall utilization levels to improve going forward.
*  The pricing environment in south India continues to remain stable despite a sharp increase in the previous quarter. As per the Management, prices are expected to increase further post monsoons, which should lead to an improvement in margins in future.
*  At the current market price of `108 the stock is available at trailing EV/tonne of $63, which is at a large discount to its other midcap peers. Given the improving macroeconomic scenario, stable pricing and expected pickup in demand, we are positive on India Cements and value it at EV/tonne of $75 on FY2016E installed capacity. We arrive at a price target of `146, ie an upside of 35% from the current levels.

Infosys Ltd
Buy Infosys Ltd For Target Rs.4,700 CMP 3,889
*  Infosys has reinforced its USD revenue growth guidance of 7-9%, earlier given in 1QFY2015. This should result in 2.3-3.5% qoq revenue growth for the rest of the quarters of FY2015. We believe that this is a conservative number by the company and expect the company to post ~10.4% USD revenue growth in FY2015. Over the long term, the new Management has given an outlook of a meaningful revival over the next 2-3 years and is targeting a long term revenue growth of 15-18% and EBIT margins of 26-28%, thus reverting back to being the industry leader in growth and profitability.
*  Management commentary indicates that the deal pipeline seems to be better than what it was the same time last year. During the last few quarters, Infosys signed 4-5 large deals worth US$700mn+, indicating a better spending trend in key verticals like financial services, retail and manufacturing although telecom and hitech verticals continue to be challenging. We expect Infosys to post a 10.8% USD revenue CAGR over FY2014-16E.
*  At the current market price, the stock is trading at 18.2x and 16.5x its FY2015E and FY2016E EPS, respectively, ie at a discount to its peers and thus provides a good investment opportunity for long term investors, as we believe that over the next 2-3 years the company will be back to its growth trajectory and breach the valuation gap. We maintain our Buy on the stock with a price target of `4,700.

Jagran Prakashan Ltd
Buy Jagran Prakashan Ltd For Target Rs.154 CMP 122
*  We expect Jagran Prakashan (JPL) to register a healthy net sales CAGR of ~8% over FY2014-16E, supported by strong growth in circulation revenue and improvement in advertising revenue. Further, we expect the company to report CAGR of ~12% over FY2014-16E in circulation revenue owing to combination of increase in cover price and volume growth. Also, we expect revenue from advertisements to pick up due to improvement in GDP growth.
*  We expect the company to report an operating profit CAGR of ~12% over FY2014-16E to `479cr on back of improvement in margin due to lower news print costs and effective cost management strategy. We expect a net profit CAGR of ~12% over FY2014-16E to `282cr on back of decent sales numbers and healthy operating profit.
*  Considering Dainik Jagran's status as the most read Hindi newspaper and its strong presence in the rapidly growing Hindi markets of Bihar, Haryana, Jharkhand, Punjab, Madhya Pradesh and Uttar Pradesh, we expect JPL to benefit from an eventual recovery in the Indian economy. At the current market price of `122 the stock trades at a PE of 15.9x and 13.5x its FY2015E and FY2016E EPS of `7.7 and `9.1, respectively. Hence, we maintain our Buy rating on the stock with a target price of `154.

Mangalam Cement Ltd
Buy Mangalam Cement Ltd For Target Rs.337 CMP 244
*  Mangalam Cement (MCL), a BK Birla group company having its plant in Rajasthan, has expanded its cement capacity by 1.25 MTPA (increase of 63%) to 3.25 MTPA (as of end-FY2014). We expect MCL to report a healthy 21.8% volume CAGR over FY2014-16E, on the back of improved outlook for cement demand.
*  With MCL's grinding capacity now having increased to 1.4x of clinker capacity post expansion (vs 1.2x earlier), it expects to increase the fly ash component in cement production from the current 16% to 30-32% during FY2015E, closer to industry levels, which is expected to aid OPM expansion. Also, the new 1.25 MTPA capacity, which is expected to contribute significantly to overall production volume, is also expected to be more energy efficient. Thus there would be a further reduction in the cost of cement production for the company. The realizations are also expected to improve due to strong demand recovery in the cement sector. Overall, we expect EBITDA/tonne to improve from `310/tonne in FY2014 to `680/tonne in FY2016.
*  At the current market price of `244, the stock is trading at trailing EV/tonne of $49 (on its 3.25 MTPA installed capacity), which is at a large discount to its midcap peers. We value MCL at EV/tonne of $60 and imply 6.5x FY2016 EV/EBITDA to arrive at target price of `337, thus providing an upside of 39% from the current levels.

Punjab National Bank
Buy Punjab National Bank For Target Rs.1,109 CMP 900
*  Punjab National Bank (PNB)'s loan growth in the last 2 years has been conservative at 5.1% and 13.1% in FY2013 and FY2014 respectively. However, with the economic cycle expected to turnaround, growth rate should pick up in FY2016.
*  With economic cycle improving, recoveries are likely to improve going forward. PNB has a large pool of bad loans with Gross NPA of `19,604cr (5.5% of advances and 52.6% of net worth), restructured book of `34,012cr (9.8% of advances and 91% of net worth) and written off accounts of `6,550cr (1.9% of advances and 17.6% of net worth). While this had depressed its book value and valuations so far, once the recovery cycle picks up steam, the bank is likely to be among the bigger beneficiaries.
*  In last ten years, PNB has traded at an average P/ABV multiple of 1.3x and in the range of 0.9x to 1.5x. Currently PNB is trading at a valuation of 0.8x FY2016 P/ABV. We expect the P/ABV multiple to expand over the next few years due to higher growth, better asset quality and return metrics. We maintain our Buy recommendation with a target price of `1,109.

Siyaram Silk Mills Ltd
Buy Siyaram Silk Mills Ltd For Target Rs.952 CMP 712
*  Siyaram Silk Mills (SSML) has strong brands, such as Siyaram's, Mistair, MSD, J. Hampstead and Oxemberg. With launch of two new premium cotton brands - Zenesis and Moretti, entry into linen fabrics, foray into ladies wear (SKD) under the brand Siya and increased focus on premium J. Hampstead brand, the company will be able to maintain its high growth trajectory.
*  The revenue share of readymade garments, which is a high margin business, is expected to increase to 20% in FY2016E from 16.3% in FY2014. The asset turnover (gross block) is expected to improve from 2.4x in FY2014 to 3.1x in FY2016E as the company has already incurred the required capex. We believe there would be minimum capex requirement as it would outsource manufacturing, which would prove to be more profitable. In addition, with the cash flow coming in, the company will be able to reduce its debt to `201cr by FY2016E from `275cr in FY2014, thereby easing interest expenses and improving profitability.
*  We believe that with market leadership in blended fabrics, strong brand building, wide distribution channel, strong presence in tier II and tier III cities and emphasis on latest designs and affordable pricing points, SSML will be able to post a revenue CAGR of 17.8% over FY2014-16E to `1,810cr with an EBITDA margin of 11.1%. We expect the profit to grow at a CAGR of 32.4% over FY2014-16E to `111cr. On account of the improved brand acceptance and strong profit growth, we reiterate our Buy rating on the stock with an upgraded target price of `952, valuing the stock at a revised target PE of 8x FY2016E earnings.