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April 8, 2026

Title and subtitle about credit rating and borrowing costs with a horizontal bar chart showing yearly values FY20–FY25 on a dark blue background.

Credit Rating & Borrowing Costs

MGMANISH GOEL PMS☰ HomePast PerformanceServicesMedia & PressBlogsAwards WhatsApp · 7380122211 VALUE INVESTING · BLOG Credit Rating & Borrowing Costs ← ALL ARTICLES Why Credit Ratings and […]

April 8, 2026

Hero header: dark navy page with title 'Mastering the Market Cycle', green subtitle, and a 2x2 color grid labeled Trader (gray), COMPOUNDER (green), Drift (light gray), Speculator (orange).

Mastering the Market Cycle: Howard Marks’ Timeless Framework for Reading Market Psychology — How Indian Investors Can Use Cycle Positioning to Buy Low, Sell High, and Build Generational Wealth

MGMANISH GOEL PMS☰ HomePast PerformanceServicesMedia & PressBlogsAwards WhatsApp · 7380122211 VALUE INVESTING · BLOG Mastering the Market Cycle: Howard Marks’ Timeless Framework for Reading Market Psychology […]

April 8, 2026

R&D and Innovation Pipeline

Titan Biotech's R&D spend grew 39.5% YoY to ₹18.39 lakhs — generating ₹850 of revenue per ₹1 of R&D. With 100+ products across 7 categories, zero imported technology, and a new health supplement pipeline, this is process innovation that compounds. A deep-dive case study.

April 8, 2026

Export Revenue Mix

Titan Biotech earns ₹53.90 crore from overseas markets across 100+ countries — 34.5% of total revenue. With a 3:1 forex earned-to-used ratio and a net forex surplus of ₹35.75 crore, this small-cap has built genuine international competitive strength. A deep-dive case study.

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