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@jesussaves18 People who don't have a good enough credit history or collateral required to borrow from the big banks. Take an example of education loans for instance. Another case would be personal loans for daughter's marriages and stuff by people already in debt. A home loan to somebody who...

@lordsheavenlydaughter Isn't that guarantee limited to 5L rupees? To anybody who's financially sound in the least and knows about the crash of 2008 the first concern should be how is a bank even in a position to offer them that kind of ROI. To offer an interest rate of 7% they need to be...

@patrick72 If you actually want to do any "analysis" then this is the way to go. On the other hand, if you want to just pick the popular stocks that's an entirely different thing and not FA. In addition to what OP said, a major component of FA is analyzing the public statements of the...