Adani Wilmar Limited IPO Message Board (Page 46)

I think you should go with option 1.

Go for option 2 as in shareholder category, you have better chances of allotment.

In SBI CARD. single lot aplications received 259462 and alloted only 11179 only that means retail category is much better than Shareholder category who have planning to apply with single lot .

@nick name: definitely option 1. Retail category will surely have better chances than shareholder category, as i informed in some of other posts also.

Sir ji tell the debt to equity ratio and pb ratio of adani wilmer.

Thanks

Thankyou @Lokes. As always, very crisp and clear in communication.
I'm tending towards Conclusion 1. Apply 1 lot in retail and FF in Shareholder category.

However, assuming we have funds to apply for lets 300 Lots, is Conclusion1 better or Conclusion2 better?

Thanks always.

Doubt in
Conclusion 1

I have plan to apply one lot in Retail category

Next
Shall I apply 2 Lacs above in share holder category?

What is the maximum amount limit in share holder category?

Thank you sir for your valuable input and cristal clear description. Regards

@phrao: Max is upto 360 crore you can apply in shareholder category in conclusion 1, so you can apply any amount as per funds available with you.

thanks @suneel @ipo smart.
@suneel: That depends on oversubscription in shareholder/HNI category so that can be decided later on third day. I have not done any analysis on that front now.

@ lokes.. any confirm idea or news about share allocation process in hni after 31st march.. will it b same like retail or there will b separate process for both hni category ??

@Lokes
Say Shareholder subscription=5X
Retail subscription=10X
Max application capacity of a person=4 lot
Then what should be the ideal numbers of lot to be applied in Retail category and Shareholder category for maximum chances of allotment?

@noorul: No more news/info till now. My understanding regarding that is still same as i posted here in this post:
https://www.chittorgarh.com/ipo/ipo_discussions.asp?a=1203&c=488193&ap=0

@RONNE LEWIS : retail category should be subscribed more than 2 times minimum, so in retail only 1 lot is enough as always and apply all remaining lots in shareholder category, with whatever capacity someone has.

@lokes Guru ji
thank you so much for sharing your knowledge about share holding category
I was eagerly waiting for your comments.

You are really gem of person.
I wish you will earn alot profit as you always share your knowledge with all of us.

Respect from heart

@lokes.. Sir i have 4 demat a/c and having 1 share of AEL in each demat.
I hv capital rs 4 Lac. How should I distribute fund in this ipo.
Thanks.

@lokes thanks for the explanation.i was waiting for someone to explain this shareholder quota in clear ,you did it great.

Um hey I'm still new to this. Could you please tell me I have funds for total 10 applications. I have 4 acc all have adani Ent share. Can I apply 1 application(retail from each even though I have SH quota) and remaining 6 in any of the 4 acc in SH quota? As in in 3 acc 3 retail application and in 1 acc 1 retail +6 SH quota application. Is it correct or I'm wrong?

This is whats people expected from real ipo guru here ....

@shad@cautious: thanks, i am just sharing basic information, nothing much.

@iamalearner: you or everyone can apply first, 1 retail application from each demat(unique PAN) from available funds, then for remaining amount, its like HNI category, so as per assumed subscription, you need to apply. So for remaining 24 lots money, if subscription in shareholder category is assumed around 20X then better to apply all 21 lots from one account and then 1 lot from each three remaining account in shareholder category. Regarding shareholder category subscription assumption, we can start new thread for guessing/discussions just like HNI thread once ipo opens.

@saima: Retail category will be having better chances of allotment than shareholder category for 1 lot application. Assuming your 4 demat accounts are with different PAN each, then you can apply 1 retail application from each account for sure and for remaining 6 lots money, you can apply 5+1 from 2 accounts in shareholder category or 3+1+1+1, all will anyways go in lucky draw only mostly.

@Lokes... Are you sure about allotment process in share holder category to be exactly same as in HNI category?
If yes why conclusion 2 ?

I mean even if I have funds for 500 lots, why to apply in both shareholder and HNI category, I could simply choose the one category with lower subscription. I am expecting shareholder portion to be subscribed less than HNI. Assuming so, won't it make sense to apply with maximum lots only in shareholder category.

@avenue: yes its sure that allotment in shareholder category will be proportionate and same like HNI category.
And conclusion 2 is just to give info about both scenarios one can apply using same PAN. Remaining can be decided as per funds available and subscription as informed here: https://www.chittorgarh.com/ipo/ipo_discussions.asp?a=1173&c=491293&ap=0
Yes Most probably HNI will be subscribed more but can't say now since so many new shareholders are there and if everyone chooses to apply in shareholder category with maximum funds then it can be more than HNI too.

All Sh category discussions can hopefully be directed to this Lokes thread at one place
I remember applying for ABSLAMC Sh category 260 shares and retail 20 shares, Sh category around 31% of shares applied were alloted
See screenshot https://i.imgur.com/wx9r1EI.jpeg

Sir
I have doubt on point no. 2
If I am bidding more than two lakh in share holder category, will i be able to apply in retail category.
It is not written anyware.
Can you elaborate please.
I have doubt that my application will be rejected

@lokes,
Thanks for making it very clear. I will go with the 'Conclusion 2' for both my accounts

Thanks

@Lokes @MRavichandran @noorul @Avenue @CSK @sdz - I've the following doubt regarding applying under Conclusion 2. Shareholders quota is allotted pro rata just like HNI? Which means the number of applications will be far higher in the range of 15000 to 2 lakhs. If you are a shareholder then does it make more sense to go FF under shareholder because a lot of funded HNI might not be shareholders and number of applications at 50lakhs and above levels will be much lower under shareholders quota. So going FF under shareholders and applying 1 under retail makes more sense. What is your opinion?

@ Lokes....As usual, very nicely explained. Thank you.

I think Chittorgarh should confer upon you, the title of "Gurudev" or MahaGuru, etc. as you are now much above the Guru level.

One more thing...you do make it a point to reply to EVERYONE who puts up a query to you and you do it point by point and never fail in that.
I have understood your post very clearly (thanks) and hence have no doubt whatsoever.

@lokes Thanks for the precise post. Will wait till the last day and see how to deploy funds. Conclusion 1 seems better than the 2nd option. The subscription also depends heavily on the secondary mkt performance. One more week of weak performance and the ipo subscription multiples will reduce. Let's wait and watch ... I have been deploying funds in the secondary mkt and unfortunately wont have a big quantum to deploy for this IPO. Lets hope the SH quota works its magic.

@NiteenIPO I agree with your view. Let's take an informed call on the last day through.

@arvindarvind: yes you can apply in retail category 1 lot and any amount upto 360 crore in shareholder category. I will check with @admin separately why he has mentioned for shareholder category along with retail application.

@MRavichandran: Thanks sir. You are also shareholder ?

@Eklavya: thanks for your words :) i was ok with Mentor also since people expectations increases with Guru Tag :) I feel more pressurized to give more time here to reply/discuss etc since i am active in buyback pages also and sme pages also.

@NITEENIPO @MK: yes same point @avenue also mentioned, conclusion 1 will be better if someone is shareholder and if shareholder is subscribing lesser than HNI but i am just having doubt that if everyone will choose that then shareholder category may subscribe more than HNI. Lets see and decide later on day 3 as usual. Some of my view i have posted here regarding subscriptions.
https://www.chittorgarh.com/ipo/ipo_discussions.asp?a=1173&c=491293&ap=0

Thanks sir.
For your prompt reply.
I also read the RHP to find out point no 2.
But after reading I was not able to relate to point no.2
I am little bit confuse.
Looking for admin to clear

@arvind ji,

Please refer page number 370-371, heading as " Bids by Eligible AEL Shareholders", see bullet point no. 6 :
Read from "To clarify.........

Thanks

Dear sir,
I have read page 370 and 371.
After reading this it seems that if we are apply over two lakh in share holder category then se can apply only in NII category not in retail.
Please clear if i am wrong...

lokes bhai I totally forgot to buy AGL around 18th dated, will I get shareholder consideration if I buy it now ?

@arvind ji

§ For those who wants to study the subject matter, Please refer page number 370-371, heading as " Bids by Eligible AEL Shareholders", see bullet point no. 6 : To clarify.......

#####Bids by Eligible AEL Shareholders in Shareholders Reservation Portion, the Net Issue portion and the Employee
Reservation Portion (if eligible) shall not be treated as multiple Bids subject to applicable limits. To clarify, an Eligible AEL Shareholder bidding in the Shareholders Reservation Portion above Rs 200,000 can Bid in the Net Issue for up to Rs 200,000 and the Employee Reservation Portion (if eligible and subject to applicable limits), otherwise such Bids will
be treated as multiple Bids. #####
####If an Eligible AEL Shareholder is bidding in the Shareholders Reservation Portion up to Rs 200,000, application by such Eligible AEL Shareholder in Retail Portion or Non-Institutional Portion or Employee
Reservation Portion (if eligible and subject to applicable limits) shall not be treated as multiple Bids. Therefore, AEL
Shareholders bidding in the Shareholders Reservation Portion (subject to the Bid Amount being up to Rs 200,000) and
bidding in the Employee Reservation Portion (as Eligible Employees and subject to applicable limits) can also Bid
under the Net Issue and such Bids will not be treated as multiple Bids. ####

*****IT SEEMS THAT IF SOMEONE IS PLACING BID IN SH QUOTA FOR AN AMOUNT MORE THAN 2 LAKH THEN HE CAN MAKE ANOTHER BID LOWER THAN 2 LAKH, IN THE NET ISSUE.
... if I understand correctly then by words of RHP the net issue portion is rii/hni/nii combined.
****For "Normal category along with the SH category" As far as I could decipher, not recommending (not confirming also) this for employee category.
Though we are also waiting for @admin's response on the query made by Lokes Sir in this ongoing subject.

***After reading the whole para it seems that one could focus 1 category at a time while bidding, or can target all categories while under in category amount limit.

**Someone pls correct if you find anything incorrect or misleading. Or want to add something if found missing/suitable. 🙏

@haran: now if you buy then you won't be eligible for shareholder category. Last date was 17th jan for buying. And as you asked in other thread, yes, for applying, putting 1 lot in retail and remaining in shareholder category is better.
@arvindarvind: Now @admin has posted clarification so don't get confused and they have also corrected description on ipo page so whatever i informed here in my initial post is proper.

Bringing this post again on main page so that new people can check and be informed.

Very well written. To summarize for ease for retail investors:

1. Apply 1 lot (Rs. 14,950) under retail
2. Apply as many lots as possible under SH (multiples of Rs. 14,950)

I haven't applied yet but if I do full force, I will apply 1 retail lot via 3 applications and about 6 lots in SH via 1 application. I'll pump more if SH subscription number goes up.

Hello @Lokes sir,, i have 9 demate account and having seprate reserved 8 lac rupees for HNI and having adani enterprise share in one demate account since dec 2021, now i want to suggestions how to apply in this adani wilmar ipo to get maximum allotments

@share tiger: you can apply 1 lot in retail from all demat accounts (except one from where you are applying in HNI) and then from the demat account where you applying in shareholder category, you can apply max possible amount (along with 1 lot retail also from same demat account). You can decide to apply in shareholder category or HNI as per approx subscriptions , mostly HNI category will be subscribed more than shareholder category but it can be reverse also if many people are choosing to apply in shareholder category for more than 2 lakh amount (along with 1 lot retail application) and skipping HNI.

Arca ji loan against gold is a good option for cash requirements and the rate of interest is very less.

Thanks

My sincere advice don't take any loan and play in Share market ... that means you are getting addicted to stock market which is very dangerous that additional pressure will make u mad and take wrong decision ... keep playing only with your excess fund ...

Bajaj Finance is a regular lender for ipo. Rate do varies.

@madhuri thanks a lot

@Earth King , i may be addicted 😂but i don't take serious risks like buying a stock which is already up.
I want to enter TCS buyback only which i guess is a safe bet with 12-15% return in 2-3 months time.
The money which i am planning to borrow is 5-6 lakhs which is not a big amount.

@vmaru , thanks , is it easy to get ? How much should I bring ? Could you share any link where i could learn about this IPO financing in detail

Arca Ji,

You know better than anyone else what are you going to do, loan is not a best option, keep playing in IPOs, better to borrow some funds from relatives/friends etc. If you are sure you can return it in stipulated time. Don't take unnecessary risk, you are already blessed by having some good SME. You will have more success just play to your strengths, take right decisions.

Good luck to you..

Take personal loan. Nobody will ask you what you are going to do with money whether you do a party or tour. If you have account in kotak you will receive notification about ipo loan. Kotak is providing upto 10 lakh ipo loan for 15 days. Interest rates differ according to loan size.

@341 Arca@ 341.4. Arca, Things sometimes don't move the way we think. What if they declare record dates in the past? If you buy the shares with the loan you may 'not be eligible to tender even a single share in spite of holding the whatever number. I was also thinking about this when the buyback was announced but due to uncertainties regarding the record date, later on, dropped the idea. just in my personal view, I may not be correct also. take your own decision.

@thanks gjy , i felt personal loan were very high 18-24% interest and it is also little risky to bet with loan amount. Kotak i have to look into it thanks a lot.

@atar ji
l didn't mean to take more risk than what funds i have.i have actually lent 5.7 lakhs to some of my distant relatives & some other persons for interest. That is why i am taking risks and looking for options for borrowing at low rate so that there won't be any net interest lost.
Thanks a lot everyone, i really appreciate the time taken by you guys to help me.

@nifty Singh , if things go wrong i will definitely sell off with some loss or profit i won't be holding for long term with borrowed funds.
I took a calculated risk seeing the previous buy back of TCS & all other buy backs in this year. Most of the buy backs are doing good even post buyback (ie greater than purchase price or buy back price)and very few are trading at less than the purchase price.

God forbid a major correction or market crash you would require another loan to repay the original loan
Rule number one of stock markets, invest only with money you can afford to lose

@arca: as others suggested, i also feel taking loan for investing is not a good idea. But if you are sure then you can try personal loan, you will be able to get at 11-12% rate if you are having good credit score, you can check with multiple banks considering prepayment/processing charges etc. Try taking min. possible amount, as per your repayment capabilities. Or as @K.Atar informed you may sell your sme holding also which has already appreciated a lot.

@ultrasnow actually i am trying to borrow only the amount which i have lent, so i don't think it is wrong.

@lokes, i actually can get upto 5lakhs @16%(Citibank) but not at 11-12%. I will try reaching banks after these covid cases reduces. I guess mid Feb only TCS record date will be and mostly by this month end i will be selling ab cotspin ,won't be waiting for the budget.so some money would be from here and Balance i can borrow.i am going to borrow only the amount which i have lent so i would be able to repay.

Thanks a lot all of you for spending time to reply
It means a lot for me.

Same issue with me arca ji.
I have already bought TCS and currently facing cash crunch for Adani Wilmer.
I took loan from CRED. you can also look into Bajaj Finance over draft facilities.

@rj rocks
Bajaj finance rates seems to be high inclusive of those charges and prepayment charges.

Cred interest rate seems to be really good and with no prepayment charges.
I will definitely look into it. How long does it take to get funds?. What is the interest rate you pay?
Is loan given based on cred app usage or normal credit score?
I haven't used cred before that's why asking these questions ,reply when you are free.

valueseeker, regarding second suggestion, already respective buyback pages are being opened for each buyback by @Team Chittorgarh like IPO pages but yes some moderation is needed in terms of message posting since so much of mix up is being done in both adani wilmar and AGS ipo pages from buyback messages. This distracts a lot for the ipo discussions.

Thanks to the Team Chittorgarh.com

@ValueSeeker,
Thank you for your kind feedback.

1. As suggested, we have added the price bank on the home page IPO list. Pls check and confirm if it is helpful.

2. Sorry we couldn't add GMP in this table for now.

3. We will continute monitoring the off-topic discussions on IPO pages.

We apprecaite your kind feedback.

Thanks @Team chittorgarh for the wonderful platform for everyone.
@valueseeker: For second point, it has already been discussed/argued many times before and since @Admin is not restricting it so no one is bothering about it and still people keep posting ALL buyback messages on main ipo pages only. No idea why @admin is putting efforts to even open these new buyback pages when ipo pages are allowed to discuss about buybacks with so many posts. Anyways lets leave this to people/@Admin, new people on site will still be thinking/raising these points but we already know so no point to discuss much on this again and again.

Agree with both of you gentlemen that it is beneficial to discuss buyback on its respective pages, the implied main idea is that (i) at one place one can find all the valuable information since it is explained by very experienced guys and they may not be available all the time to explain same query again and again. (ii) one can study in future for what happened to a specific buyback or any event and how the whole event unfolded since the scattered analysis and explanation will be near impossible to track and find. (iii) before asking these question everyone must search chittorgarh site if the page is open or not, if it is not open then request the admin to open it. It is for larger benefit for every visitor of the site. (iv) and before answering these questions they should be asked to post the query on respective pages and not on main board ipo pages or any where else.

Apologies for inconveniently large post.
Regards

Dear Members,

We understand the issues with off-topic messages.

Sometimes we let a few off-topic (but relevant) messages slip through. It's done to reduce the time we take to display the message once it's posted. Off-topic messages usually come when IPO activities are thin.

The manual monitoring of each message is challenging. Our team works 40 hrs a week out of 168 hours. If every message has to go through a manual check, there would be a significant delay.

What do we do to reduce them?
We have automated monitoring which sends suspected messages for manual review queue.
If we find a member repeatedly posting off-topic messages, we warn them.
We ban the repeated offenders.

Please suggest if you have other ideas.

Dear admin, any monetary benefit planned for quality messages or gurus like you tube, etc? It will improve message quality... just a suggestion...

@Team chittogarh: As you mentioned: "If we find a member repeatedly posting off-topic messages, we warn them. We ban the repeated offenders."
Really ??
As we can still see so many off-topic posts from same members in Adani and AGS pages. if you go through once, you can easily notice.
1-2 posts for informing about new buyback opening etc on main ipo pages are fine but then posting all the info like ER AR record date etc etc in main ipo pages and then continuous discussions on them are not good, mainly when we already have dedicated each buyback pages now. One thing u can do is to not allow post having words like buyback buy back etc but main thing is people has to be responsible and disciplined by themselves instead of you blocking posts.
Even ipo posts/thread are being converted to buyback threads like this:
https://www.chittorgarh.com/ipo/ipo_discussions.asp?a=1209&c=490773&ap=0
Anyways i feel i am just wasting my time/energy in writing even this/such posts.

Lokes ji keep calm and be happy.

Thanks

@amit K Singh,
Thank you for your kind suggestion.

It is difficult to quantify the contribution in terms of monetary benefit in a public forum. We did think about in past but it didn't work out.

You can apply 2 applications from a Single demat and Pan Card? I thought you can only apply 1 application 1 Pan.

Aniket sir shall i accept the upi mandate for ags.

Thanks

@aniket ji , with due respect, u have more knowledge about market than me..

But for better allotment chances, how about applying 20 lots in 3 accounts or 30 lot in 2 accounts ,instead of 10 lots in 6 account ?

What is your estimated subscription in shareholder quota ? I think it will easily go above 15x

Dr. Bhavy ji did u always got allotment in same demat account?

Thanks

@ Dr.Bhavy ji
As you told - u have more knowledge about market than me.....
You may be wrong in your above statement.
Anyway,
All my six demet accounts are belongs different family members. Hence for better probability, I will opt that option.

Now about estimated subscription in shareholder quota.....
X times, Y times, Z times.......
All are simply a guess. No one can predict.

Thanks for your concern.

@ SaimA ji

Yes ! One can appy 2 applications from a Single demat and Pan Card. One as a Retailer & another as shareholder.

Thanks for your concern.

Madhuri ji
AGS was an Avoid call for me. Some listing gain may be there ( not necessarily) but when better opportunities are available, there is no harm to leave such ipos.
But take your decision as per own conviction.

Thanks.

@Aniketbhai,

Thank you for sharing your view on Adani wilmar IPO.
I’m will applying for listing gain.

Sir share your view on listing gain.

What is minimum listing gain if budget not good and market negative reaction ? Any chance of discount listing?

@aniket ji, thanks for clarification

@madhuri ji, 4-5 months ago, i received continuous 3rd party allotment in my frnd's demat account (zomato, devyani , ami , paras ,nykaa ) even i was surprised

but not getting allotment in his account in recent times( data, ce info ,supriya,medplus)

@Aniket ji,

GMP/Kostak are coming down by the day. If 4x-5x oversubscription happens in Retail, I think there may not be much gain. I can keep allotment for long term if required or if it feels like a good investment.

But there has been a decent correction in secondary market which is giving good opportunity for bottom fishing or atleast accumulation.

What do you suggest?

Aniket sir je
I wil also apply with full force after your this confidence booster message.