All my financial advice actually I take from my father. He is my backbone there. I think a mix of both but I think I am more of a safe person.

My first pick will be Hikal which is currently trading at Rs 307 and targets for Hikal will be Rs 329-335 with stop loss of Rs 300.

You should see decent earnings growth going forward, particularly in Indian pharma company, not so much on the US-generic export front where we still see price erosion.

Yes, so the price hike definitely is a step towards managing the loss ratio of this particular product and as I mentioned, the actual price hike will play out over the next 12 to 15 months and the loss ratio should definitely have an impact on that for the next year and also for the year after that

So, globally interest rates have gone up everywhere in the world, so when you look at the spreads, the spreads have not widened as much. I mean, they did for a brief moment but they have sort of calmed down.

Bears will be scared as the markets move up so that is very simple as bulls get scared when the markets fall down. So I think bears will be scared earlier than people expect.

Reliance after a long period of consolidation is looking decent in terms of valuations and in terms of the business dynamics of the refining business.

The stock first of all did run up quite aggressively last year and year-a-half and some of them were Adani Green that ran up along with the other similar names in Europe and other places. So, there was a big influx of ESG money whether index or active into these kind of names and that obviously made some of these stocks a bit expensive versus their own history and then this short-sale report came out which obviously was very strongly worded in my opinion.

The last 2 years were indeed tough for FI markets as we saw structural change in rates and monetary policies world-wide. As we stand today, a large part of the rate shift is already behind us and we are close to the pivot point in rates.