Second successive quarter of sub-2% PAT growth MARKET: Indian equities end FY12 with a modest decline of 10% 4QFY12 PREVIEW: Another disappointing quarter; PAT up 6% YoY (1.6% ex SBI) FY14 ESTIMATES: Expect earnings CAGR of 14% over FY12-14 ECONOMY: Growth should be the focus of RBI/government TOP PICKS: ICICI Bank / SBI, Maruti / Tata Motors, Wipro / Infosys, Coal India, UltraTech / JP, Lupi..

Assessing key trends in 2012 2011 has turned out to be at best a forgettable year for the Indian equity markets. India has been the worst performing markets globally with 25% negative returns; Given the sharp currency depreciation, performance in USD terms has been even worse at -37%, making India by-far the worst performing global market. Also, the Sensex returns in each quarter of 2011 have been..

The one thing that is constant is change. In business it’s very difficult to keep up with changes. And the pace at which things have changed is amazing. Be it products, service or technology, ‘change’ is the name of the game. So it’s upon us to capitalise on the changes around us. Accept them in the right way, and there is a definite benefit for you. I would like to share, the opportunities which ..