Ukungaguquguquki nokubekezela emsebenzini wakho kuthathwa njengophawu lwempumelelo.
Nakuba kwabanye, ngokuvamile ichazwa njengendlela yempumelelo nokudumazeka, kodwa ku-Radhakishan Damani, kuhluke kancane.
UMnu. Damani ulahlekelwe yimisebenzi yakhe eminingi. Noma kunjalo, wafunda kubo futhi washintsha isu lakhe ukuze kuzuze yena. Ukuba yisibukeli esinekhono nesilaleli kulo lonke uhambo lwakhe kwakhulisa isiqu sakhe njengosomabhizinisi kanye nomtshali-zimali.
Mayelana no-RK Damani
U-Radhakrishnan Damani wazalelwa emndenini wakwaMarwari, elinye lamaqembu anamandla ezomnotho aseNdiya. Ushiye ikolishi kusenesikhathi waqala ukusebenza njengomthengisi wamasheya esemncane kuDalal Street.
Nokho, ngokushesha waqala ukuthenga amasheya ngemva kokubona ukuthi kufanele aqale ukutshala imali ukuze enze imali yangempela. Ngokushesha, ngosizo lwamasu akhe okuhweba kanye nokutshala izimali ezitokisini eziningi ze-bagger, waqala ukuguqula ukutshalwa kwezimali kwakhe kube yinzuzo.
Ukutshala ifilosofi ka-RK Damani
UDamani waba umnikazi wamasheya omkhulu kunabo bonke ngesikhathi i-HDFC Bank iba sesidlangalaleni ngo-1995.
“Awukwazi ukuhlala kuPeddar Road (enye yezindawo ezibiza kakhulu eMumbai) ezindlekweni zaseDharavi (emijondolo emikhulu yaseMumbai),” esho ephendula umbuzo othi kungani etshale lapha ekubeni enezinye izinketho ezitholakala ngezilinganiso eziphansi.
Kuphothifoliyo kaDamani, i-HDFC yagcina ikhuphuke yafinyelela esicongweni sezimpahla eziningi.
Wayevame ukushiya uHarshad Mehta njengomhwebi, ngokuvamile encike ohlangothini lwe-bearish. Ngesikhathi uHarshad ezama ukudlala nemakethe, uDamani wayejwayele ukubheja ohlangothini oluphikisayo. Ekugcineni, lapho kutholwa i-Harshad Mehta Scam ngo-1992, imakethe yehla, futhi uDamani wenza inzuzo enkulu.
Eminyakeni yakhe yama-20, wayeseyimfundamakhwela embonini yokudayisa, ngakho-ke kunokuba ahlanganyele kwezohwebo, wancamela ukufunda. stock market amasu ngokuqagela.
Ubhalise ne-SEBI eneminyaka engama-32 futhi wenza utshalomali lwakhe lokuqala. Ngenxa yokuphumelela kwakhe kwezohwebo, washeshe waqonda ukuthi angenza imali ngokutshala imali kuma-MNCs. Nokho, akazange aphumelele njalo futhi wabhekana nokulahlekelwa okuthile endleleni. Kodwa futhi wakhula ngenxa yabo.
Ukukhula, ukungena kwemali, kanye nokubikezela kwenkampani kwahlolwa yi-RD kusetshenziswa i-avatar yakhe ye-bullish.
Inkulumo yakhe ethi, “Konke engakufunda ekuphileni ngokutshala imali,” kusinika umbono omuhle walokho.
Uthole i-franchise ye-Apna Bazaar engu-5,000-square-foot e-Nerul nenye e-Navi Mumbai ngo-1999, ngesikhathi ukuthengisa kusewumhlaba omncane e-India, kanye ne-Damodar Mall. I-Apna Bazaar yasungulwa futhi yathathwa yi-D-Mart eminyakeni emibili kamuva.
Ukusuka ekutshaleni imali kuya ebhizinisini lokwakha
Ngemva kokushintsha indlela asebenza ngayo, wasuka ekubeni wumtshali-zimali waba umdayisi.
Nokho, akazange anyathele endleleni evamile!
Kunalokho ugxile kakhulu ekuvuleni izitolo eduze kwemizi yabantu kunokuvula izitolo ezindaweni zezitolo. Wazama ukunikeza inani lemali ngenkathi enelisa izidingo zamakhasimende zansuku zonke.
I-D-Mart inohlelo lwebhizinisi oluqondile:
- Bakhokha kancane imikhiqizo ngokuyithenga ngamanani amakhulu bese benikeza okufanayo ngemali encane ngaphandle kokusika kancane.
- Njengomtshali-zimali osemnkantshubomvu, uDamani wayeyiqonda kahle imakethe, okwamsiza ukuthi agcine imizwa yabatshalizimali ngenkampani inethemba. Impahla yakhe enkulu yindlela asebenzisana ngayo nabathengisi.
Ngokwesibonelo, i-D-Mart iguqule ishejuli yokukhokha evamile yemboni ye-FMCG, eyayiyizinsuku ezingu-12 kuya kwezingu-21, ukuze inkokhelo yenziwe kumthengisi ngosuku lwe-11. Lokhu kwaqinisekisa imigomo emihle yokukhokha.
Mayelana nokutshalwa kwezimali kwakhe
Ezinye zezimali zakhe ezibalulekile yi-3M India, GE Capital Transportation Industries, VST Industries, BF Utilities, Sundaram Finance, Mangalam Organics, Spencers Retail, CRISIL, Simplex Infrastructure kanye ne-ICRA, phakathi kwabanye.
Ngaphandle kwalokho, uRadhakishan Damani utshale imali okokuqala ezinkampanini zezokuvikela, okuhlanganisa i-Astra Microwave Products, inkampani yeKalyani Group BF Utilities, enamasheya angu-1.3%, kanye neMangalam Organics, enamasheya angu-2.17%, konke phakathi nekota ephothulwe Juni 2020.
Ukuze andise ingcebo yakhe, wenza izinqumo ezisekelwe esimweni semakethe. Kancane kancane wathuthuka waba umtshali-zimali wesikhathi eside futhi wagxila kakhulu ekutshaleni kwakhe ezinkampanini ezinezisekelo eziqinile.
Ngaphezu kwalokho, wabambelela kufilosofi yokuthenga izabelo zekhwalithi ephezulu ngamanani athengiswayo futhi azibambe iminyaka emihlanu kuya kweyishumi, ngaleyo ndlela asebenzise amathuba emakethe ukuze enze inzuzo enkulu.
Rakesh Jhunjhunwala inzuzo eyenziwe kusetshenziswa isu elifanayo lokuthengisa isikhashana.
UDamani wayewazisa amakhasimende akhe, abahlinzeki bakhe kanye nozakwabo ebhizinisini. Izitolo zakhe ze-DMart zinamathela esimisweni esifanayo futhi zigxile ekunikezeni izimpahla ezingabizi ngamanani akhangayo.
Ukuze aqinisekise ukuthi uthola izinto ezidingekayo ngenani eliphansi futhi azithengise ngentengo ephansi, ukhetha ukukhokhela abahlinzeki bakhe nabathengisi ngosuku olulodwa ezimweni eziningi. Ukuthi izitolo zakhe aziphelelwa yizimpahla kukodwa nje.
Ngaphandle kwalokho, wancamela ukuvele abuke futhi abuke abanye abahlanganyeli bemakethe eminyakeni yakhe yokuqala futhi afunde kubo. U-Manu Manek, owayengumbambiqhaza wemakethe okhuthele kakhulu ngaleso sikhathi, wasebenzisa amasu athile emakethe yamasheya futhi waqonda inqubo yakhe yokutshala imali.
Ngenkathi imakethe yamasheya yomtshali-zimali owaziwayo u-Harshad Mehta isetshenziswa ngama-1990s, wazuza imali ngo. ukudayiswa okufishane, ukuthengisa kuqala, nokuthenga kamuva.
UDamani wayekwazi ukubona umoya wemakethe futhi enze izinqumo ezihambisana nawo. Waqala ukuthengisa isikhashana ngemuva kokuthi uHarshad Mehta etshale imali yasebhange kakhulu ekuthengeni isitoko futhi wenyusa nenani lazo.
UMehta uthenge isitoko se-ACC, esikhuphuke sisuka ku-200 saya ku-9000, kodwa izisekelo zenkampani azizange zikusekele ukunyuka. Njengoba amanani emakethe akhuphuka ngaleso sikhathi, uDamani naye walahlekelwa okumbalwa.
Kodwa-ke, waqala ukuthengisa isikhashana lezo zitoko ezithile lapho u-Harshad Mehta enza khona ukutshalwa kwezimali okukhulu ngemuva kokubona ukuthi wayesebenzisa imakethe. Lokhu wakwenza ngoba azi ukuthi amasheya azokwehla. Futhi lapho i-SEBI iveza umkhonyovu we-Harshad Mehta ngo-1992, wenza inzuzo ehlelekile, ngaleyo ndlela andisa ukubaluleka kwakhe siqu.
Ukungena ku-Value Investing
Ngemva kweminyaka embalwa yokutshalwa kwezimali, uMnu. Chandra Kant Sampat, umtshali-zimali wenani, wamkhuthaza ukuba enze ukutshala imali okubalulekile. I-Sampat yayisivele yenze ingcebo enkulu ngosizo lokutshala imali. Ukwenza utshalomali lwesikhathi eside, uDamani wabe eseqala ukuzijwayeza ukutshala imali.
Ngaphezu kwalokho, wathenga ama-equities aphansi anezisekelo ezinhle kakhulu ngamanani aphansi futhi wawabamba isikhathi eside ukuze enze inzuzo; izibonelo ezimbili yi-GATI ne-TCI.
Lapho wonke amabhange e-PSU enza kahle ngeminyaka yawo-1990, watshala imali ku-HDFC Bank ngo-1995, ebikezela ukuthi “iDharavi izohlala iDharavi kanye noPeddar Road kuzoba nguPeddar Road, lindani nje nibone.”
Uthenge amasheya amaningi e-VST Industries ngama-Rs. 85 ngo-2000. Namuhla isitoko sibiza ngaphezu kwama-Rs. 3600. Uphinde watshala imali eBlue Dart, Sundaram Finance, Gillette, India Cement, GATI, kanye nezinye izinkampani ezimbalwa, wavuna imivuzo emikhulu phakathi neminyaka emihlanu kuya kweyishumi.
Ukutshala imali ezinkampanini ezisezingeni eliphezulu ngenani lesaphulelo nokuzigcina isikhathi eside kwavumela uMnu. Damani ukuthi enze inzuzo enkulu.
Izifundo zokutshala izimali ongazifunda ku-RK Damani
Umuntu ophumelelayo angahlukaniswa nesixuku ngokuhlela kwakhe. Abanye osomabhizinisi abadumile nabatshalizimali bafika engqondweni uma sikhuluma ngamasu.
Inkosi yokudayisa yaseNdiya, uMnu. Radhakishan Damani, uyisibonelo esisodwa esathola imakethe yamasheya futhi waphakama waba ngumtshali-zimali wesikhathi eside.
1 Gcina ugxile esikhathini eside
Ukutshalwa kwezimali kwevelu bekungomunye wezimiso eziyinhloko zokutshala izimali ze-RK Damani. Njengomtshali-zimali, umgomo wakhe oyinhloko kwakuwukuthenga amasheya angabalulekile anethuba eliqinile lokushintsha inzuzo esikhathini eside.
Wagcina ifilosofi efanayo lapho eba usomabhizinisi.
Noma nini lapho efuna ukuvula isitolo, wayehlala ethenga indawo esikhundleni sokusiqashisa. I-D-mart ekugcineni yenza ukonga okukhulu kwezindleko zokuqasha ngenxa yayo.
Ukuze uqonde umhlaba wokuhweba, kufanele ube namakhono okuhlaziya adingekayo, ulwazi, kanye nokubona izinto kusengaphambili, njengoDamani. Abadayisi abaphumelelayo bahlale bezimisele ukuzifaka engozini futhi bathole ukulahlekelwa. Abavele bajahe emhlabeni wokuhweba futhi banethemba lokuhle.
2 Thatha izinyathelo ezincane ukuze ube Nkulu
UDamani athathe isikhathi sakhe azivule. Umyalo wakhe phezu kwe-supply chain waba ngcono ngenxa yalokho. U-Damani ugcine isithunzi sakhe sobungani bomthengisi futhi wagxila enzuzweni ngokuyigcina isesilinganisweni esincane.
Ngenxa yalokho, i-D-mart ibilokhu yenza inzuzo njalo ngonyaka cishe eminyakeni engamashumi amabili isebenza.
3 Ukubekezela
Uma ufuna ukwenza okuthile, kufanele ube nomdlandla nesineke sokuyilandela.
Ugxile esicini esingokomzwelo esikhuluma ngokubaluleka kokuba nesineke noma izimo zingahambi kahle.
Uma kuqhathaniswa nezitolo ezilawulwa ngu-Ambani no-Biyani, i-D-Mart, eyethulwe eminyakeni eyi-16 edlule, inezindawo eziyi-119 kuphela ezifundazweni ezimbalwa.
Kodwa kungani?
UDamani wakhetha ijubane lokuzilibazisa, elimvumela ukuba agxile enzuzweni esikhundleni sokukhula ngokushesha. Ngalesi sizathu, i-D-Mart ayizange ivale indawo eyodwa selokhu yaqala ukusebenza, futhi iletha imali eningi endaweni ngayinye kunanoma ubani.
4 Gcina isileti sihlanzekile
Ngokungafani neningi lamabhizinisi akhe ayizimbangi, uDamani uhlala ekhokhela abahlinzeki bakhe ngokugcwele, ngokungafani nezinga lemboni lezinsuku ezingama-30 kuya kwezingama-40 zesikweletu. Ezinsukwini ezimbili kuya kwezintathu, uvame ukukhokhela abadayisi bakhe.
Kwamenza wakwazi ukwazi abadayisi bakhe nabaphakeli bakhe futhi alondoloze ubuhlobo obuqinile nabo. Yingakho izitoko esitolo zingalokothi zibe phansi.
5 Unganaki imizwa yomhlambi
Waqale wasebenzisa izindlela zezimali ezazithandwa kakhulu ngesikhathi etshala imali kuDalal Street. Uvumile ukuthi lapho elahla imvelo yomhlambi futhi enamathela ecebweni lakhe, waqala ukuzuza imali.
Ngakho-ke, waqala ukugxila ekutholeni amasheya anamandla okwenza inzuzo yesikhathi eside.
Lapho eba usomabhizinisi, wanamathela endleleni efanayo. Ngokungafani nabancintisana nabo, wanda kancane kancane, futhi izinhlobo ezitholakala ezitolo zakhe zilinganiselwe. UDamani ugweme ukuvula izitolo ezitolo ezinkulu, okwamvumela ukuthi avule izitolo wonga imali eningi futhi uhlinzeke ngezimpahla ngamanani aphansi.
6 Bamba izithakazelo zasendaweni
UDamani wakha uchungechunge oluthembekile lwabasabalalisi nabathengisi.
Ukungagculiseki kwakhe ekusebenzeni kumenze wakwazi ukuqhubeka nokwenza inzuzo. Kusobala ukuthi i-D-mart ayikaze ivale indawo eyodwa kusukela yasungulwa ngo-2002.
7 Thenga kancane futhi udayise ngemali ephansi
Ukuhlinzeka amakhasimende nsuku zonke ngezimpahla ezithengwayo ngamanani aphakemeyo kwakuyinto uDamani ayeyazi kahle. Ngokuphambene nezinga lemboni yamasonto, elinye lamasu akhe kwakuwukukhokhela abadayisi bakhe nabaphakeli bakhe zingakapheli izinsuku.
Bahlinzeka ngezimpahla ngentengo ephansi esikhundleni sokukhokha ngaphambi kwesikhathi. Izindleko zokonga zadluliselwa kumakhasimende akhe, eqinisekisa ukuhamba kwebhizinisi okuzinzile.
8 Awekho ama-frills
UDamani wayazi ukuthi inhloso yebhizinisi lakhe kwakuwukunikezela ngezimpahla ezithengwayo ngezindleko eziphansi. Ngaphandle kokwenza umzamo ongadingekile, wawufeza umgomo wakhe.
Izitolo zakhe zihlotshiswe ngokusobala futhi ziphethe izinto ezimbalwa ezithengiswayo. Intengo ephansi iyona kuphela edonsa izivakashi.
Ukubukeka kwakhe ngokomzimba kubonisa le mfanelo. Uvele agqoke ihembe elimhlophe nebhulukwe, okumenza aqanjwe ngokuthi “Mnu. Okumhlophe Nokumhlophe.”
9 Vumela umsebenzi wakho ukukhulumele
UDamani ugcina iphrofayili yakhe ephansi, okumvumela ukuthi agxile emsebenzini wakhe. Ukukhuphuka kwakhe ngokuthula emnothweni ophansi kuwubufakazi bokuzinikela kwakhe okungaguquki emsebenzini wakhe.
Isibonelo, akuvamile ukuthi enze inhlolokhono ephephandabeni noma esiteshini se-TV.
10 Ukuba lula kuyisihluthulelo
Usebenza ngemodeli yenkampani eqondile, ehlinzeka ngemikhiqizo ye-FMCG kumakhasimende ngamanani aphansi ngaphandle kokuchitha umzamo omkhulu endaweni nokuhlobisa.
Amakhasimende athanda ukuvakashela i-D-mart ukuze athole imikhiqizo enesaphulelo.
Ubalule “ukubaluleka kokuhlanganisa” enkampanini yabatshalizimali abasha, wathi ukhiye wokuhlanganisa wukuqala kusenesikhathi nokutshala imali ngendlela efanele.
Uthi, “Imakethe isifundisa okuthile okusha nsuku zonke, kodwa isifundo esisodwa esigqamayo 'ukubaluleka kokuhlanganisa' kuphothifoliyo yabatshali-zimali abasha".
Ngaphezu kwalokho, ugcizelela ukubaluleka kokukhetha ubudlelwano besikhathi eside nezinkampani ezivelele.
“Isifundo esibaluleke kakhulu esifundwe phakathi neminyaka engamashumi amathathu ukubaluleka kokuqonda ukuhlanganisa; uma wenza kanjalo, kusho ukuthi uzuze ingxenye enkulu yokulwela inkululeko yezezimali,” ngokusho kukaDamani.
“Isifundo sokuqala ukuthi umuntu uhlezi emthunzini manje ngenxa yokuthi kukhona owatshala isihlahla eminyakeni eminingi edlule,” uphendule lapho ebuzwa ukuthi iyiphi into ayithatha kakhulu. bear market kwaba.
Isiphetho
Akekho ongashalazela igama lika-RK Damani uma ebala amagama amaNdiya aphumelele. Nakuba egcina iphrofayili enesizotha kakhulu, ukukhuphukela kwakhe empumelelweni njengosomabhizinisi kube kuhle kakhulu.
Kucace bha ukuthi ungomunye wosozigidi abambalwa abazakhele ugazi kodwa abaqale bengenalutho waze waduma ngokuzinikela, ukuzimisela nokubona izinto kusengaphambili.
Isibonelo sempilo ka-RK Damani sibonisa ukubaluleka kokubona inani kusenesikhathi nokwenza utshalomali ube ukhumbula isithombe esikhulu.
Ukucabanga ngokujulile kubaluleke kakhulu emakethe yamasheya kunendlela yokushaya nokuphuthelwa. U-RK Damani ungomunye wosomabhizinisi abakhulu nabatshalizimali abakhule ngokwenza amaphutha nokusebenzisa izifundo azitholile ukuze aphumelele nakakhulu.
UDamani wakhetha ukuphishekela imakethe yamasheya, nakuba ayengenalo ulwazi oluhle ezifundweni zakhe. Kodwa walandela intshiseko yakhe futhi wakha umsebenzi oholelayo ngemva kokubona ikhono lemakethe.
Kufanele ube namakhono okuhlaziya adingekayo, ulwazi, kanye nokubona kusengaphambili ukuze uphumelele emhlabeni wokuhweba, njengoDamani.
Okokugcina, abahwebi abaphumelelayo bahlale bekulungele ukuthatha ubungozi futhi babhekane nanoma yikuphi ukulahlekelwa futhi abavele bangene emhlabeni wokuhweba ngezinkanyezi zabo.
shiya impendulo