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As things stabilise over the next few weeks we should see flows beginning, 
initially at a slow pace and then gathering steam, over the second half of 
2009. - SANDIP SABHARWAL, CIO, JM FINANCIAL ASSET MANAGEMENT


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Sandip Sabharwal, CIO, JM Financial Asset Management 

Aarati Krishnan 

Inflation is bound to fall and with it, interest rates. That will lead to 
earnings upgrades next year, says Mr Sandip Sabharwal, one of the longest 
standing equity fund managers in India, now Executive Director and Chief 
Investment Officer of JM Financial Asset Management. 

Excerpts from the interview: 

FIIs have been in the exit mode for the past eight months. How will the 
unfolding credit crisis, marked by so many failing institutions, change the 
picture on FII flows into India? 

Most equity funds in the developed as well as emerging markets have been facing 
redemptions from investors since the beginning of the year. The fear factor due 
to the financial crisis in the Western World, higher inflation and slowing 
growth have all contributed to this phenomenon. 

On top of this, specifically for a country like India, we have had a 
depreciating currency, which has lost nearly 15 per cent over the last six 
months. So despite the valuations being very attractive at this point of time, 
most foreign investors would like to see the depreciation of the currency slow 
down or reverse, before committing a large amount of capital. 

My guess is that, as things stabilise over the next few weeks we should see 
flows beginning, initially at a slow pace and then gathering steam, over the 
second half of 2009. 

How does the cooling off of commodity prices impact India Inc? Which sectors in 
your view, are key beneficiaries of this trend? 

In India, inflation, exclusive of food inflation, is largely an imported 
phenomenon as we import most of our requirements for many of the commodities. 
Domestic prices of most commodities are globally linked. With the severe 
correction in commodity prices over the last two to three months, inflation in 
India is likely to come down at a much more rapid pace than what most people 
expect. 

In our view, the key beneficiaries of this trend will be the interest rate 
sensitive sectors like financials and automobiles, as well as sectors like 
construction and capital goods. 

Do you think earnings downgrades made over the past six months by analysts 
capture the worst case scenario on company performance? Or is there more to 
come? 

Earnings have been downgraded substantially over the last few months and most 
people are now very realistic in their assumptions. Going forward, there may be 
sectoral upgrades or downgrades depending where each company stands, however I 
expect overall profit growth should still be at 15-20 per cent. 

With the cooling off of commodity prices and lower inflation, interest rates 
should also start coming down over the next six months. This will aid profit 
growth in 2009-10 and we are likely to begin seeing earnings upgrades for that 
year over the next six months. We still believe that the underlying growth 
trend of the Indian economy continues to be very strong. 

Do you go with the view that the RBI will begin to cut interest rates from next 
year? If so, which rate-sensitive sectors do you favour? 

We believe that inflation will start coming down very sharply next year and 
that will lead to interest rate cuts by the central bank. We are positive on 
interest rate-sensitives other than real estate, at this point of time. 

Do you favour holding large cash positions on your equity funds now, given the 
uncertainties surrounding liquidity flows, earnings and interest rates? 

We have typically been fully invested in all our equity funds. At this point of 
time, when valuations are at extremely low levels and the markets are in the 
process of forming a panic bottom, we do not think that keeping a large cash 
holding makes sense. However, this does not stop us from increasing cash levels 
when we are bearish on the markets. 

Do you think concerns about a slowdown in the domestic capex cycle are 
justified? What's your view on the prospects for infrastructure and capital 
goods companies in this context? 

At this time, the domestic capex cycle continues to be robust. However, if the 
tight monetary policy and the squeeze on liquidity continues for a prolonged 
period of time, it will make credit availability an issue and will also 
increase the breakeven IRRs (internal rate of returns) for various projects. 

As such, we believe that it is important for policymakers to take a dynamic 
call on liquidity and interest rates at a time of such high global uncertainty 
when even foreign capital is not freely available. 

Interest rates in India at this point of time are becoming highly restrictive 
and might impact the growth trajectory of the infrastructure and capital goods 
companies going forward. We will need to carefully monitor the situation. 

http://www.thehindubusinessline.com/iw/2008/10/05/stories/2008100550380700.htm

Large desire is endless poverty.






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