Regd. No.

Eõðexe, ze ÷eMxuz / y™÷eMxuz, BÞwåÞwy÷ Vkz, ƒtuLz {tfuox, ftu{turzxe {tfuox, fhLËe {tfuox, xuût Ã÷t®™„
GUJGUJ/2012/47829 y™u VtR™tÂLËÞ÷ Ã÷t®™„™e rðM‚]‚ {trn‚e yt…‚wk yuf{tºt {trËf
OFFICE
Œh {tË™e …nu÷e ‚the¾u y{ŒtðtŒÚte «rËæÄ Út‚wk {trËf

½™ ð»tto
27, Ashok Nagar Society,
Opp. Little Flower School,
Bhattha, Post : Anandnagar
Ahmedabad-380 007.
E-MAIL
dhanvarshafincap@gmail.com {trËf
CONTACT NO. : 92272 04076
88660 04076 ‚kºte : r™÷u»t¼tE Ëtu{[kŒ¼tE ftuxf
ð»to : 11 • ykf : 12 • …t™t : 4 • ‚the¾ : 01-12-2023, þw¢ðth • Aqxf ™f÷ : Yt. 15.00 • ðtŠ»tf ÷ðts{ : Yt. 225/-
«ftþ™ MÚt¤ y™u ftÞto÷Þ : 27, yþtuf ™„h ËtuËtÞxe, ÷ex÷ ^÷tðh Mfw÷ Ët{u, ¼êt, …tuMx yt™kŒ™„h, y{ŒtðtŒ-380 007. {tu. 92272 04076, 88660 04076

Rõðexe {tfuox ‚kºte ÷u¾.... ? VtR™tLË™t …tÞt™t rËØtk‚tu

ËuLËuõË fu r™^xe™tk ÷uð÷™u ƒŒ÷u 1. WAe™t ÔÞtsu ÷eÄu÷t ™týtkÚte õÞthuÞ htuftý fhðwk ™nª.
2. ftuE…ý r™ýoÞ ÷t„ýe™t ytðuþ{tk ÷uðtu ™nª.
fk…™e™tk „útÚu t y™u VLzt{uLx÷ {n¥ð™t Au....
3. Íz…e Ë{]Ø ƒ™ðt™tu «Þí™ fhðtu ™nª.
ËuLËuõË y™u r™^xeyu ™ðuBƒh {rn™t{tk 5% ðÄthu ËwÄthtu ŒþtoÔÞtu Au y™u 4. zuheðuxeð xÙu®z„ yu Ëk…r¥t™t rð™tþ™wk fthý Au. ‚u™tÚte Œqh hnuðwk.
26{e ytuõxtuƒh™tk ÷tu (LOW)Úte ƒk™u Ëq[ftkftuyu 7.5%™e ð]rØ Œþtoðe Au. ƒòh 5. ‚{the r{Õf‚ fh‚tk 50%Úte ðÄw sðtƒŒthe õÞthuÞ Q¼e ™t fhðe.
“BUY ON DIP”™t {tuz{tk «ðu~Þwk Au y™u r™^xe {txu xufr™f÷ RÂLzfuxËo 6. ‚{the ytðf™t 50%™tu ¾[o fhðtu, 20% RåAt {wsƒ ¾[o fhðtu y™u
òu‚tk ƒòh ytuðhƒtux Ítu™{tk ytÔÞwk Au. {tfuox {qz RLzuõË nt÷{tk (GREED 30% VhSÞt‚ ƒ[‚ fhðe.
ZONE) ÷t÷[™t ‚ƒ¬t{tk «ðuþu÷ Au. …hk‚w ßÞtk ËwÄe ËuLËuõË 65500 y™u
7. ytuAt{tk ytuAt 6 {rn™t™t ½h¾[o {txu™t ™týtk nk{uþtk ntÚt …h ht¾ðt.
r™^xe 19700™e W…h hnu íÞtk ËwÄe MxÙuxuS “BUY ON DIP”™e ht¾ðe
òuEyu. ËuLËuõË y™u r™^xe™tk PE hurþÞtu™e ðt‚ fheyu ‚tu nt÷{tk ËuLËuõË™tu
PE hurþÞtu 23.72 y™u r™^xe™tu PE hurþÞtu 21.50 ytÔÞtu Au. su nsw ƒòh{tk
rðï™t 10 xtu[™t Mxtuf yuõË[uLs
M¢e… M…uËerVf {wð{uLx™tu Ëkfu‚ Ëq[ðu Au. su þuhtu nt÷{tk yLzh«tRÍ Au ‚uðt rðï™t 10 xtu[™t Mxtuf yuõË[uLs{tk NSE «Út{ ™kƒhu Au y™u yt zuheðuxeð xÙu®z„™u
VLzt{uLx÷e MxÙtU„ þuhtu htuftý {txu rð[the þftÞ. ÷„‚t ytkfzt Au. su™tu {‚÷ƒ rðï{tk ËtiÚte ðÄthu Ëètu ¼th‚eÞ ÷tuftu fhu Au.
‚t. 30-11-2023™t htus™t ¼tð :
1. AB CAPITAL ................................................................... 168
2. BAJAJ FINANCE ............................................................ 7125
3. BIOCON ........................................................................... 238
4. PETRONET LNG ............................................................ 203
5. DELTA CORP. ................................................................. 143
6. HDFC BANK ................................................................... 1559
7. KOTAK BANK ................................................................ 1756
8. I G L ................................................................................ 389
9. SAMVARDHAN MOTHERSON SUMI .......................... 92
10. STERLITE TECHNO ...................................................... 146
W…htuõ‚ þuhtu{tk Mxtuf SIP yÚtðt ð‚o{t™ ¼tðu 25% y™u Œhuf ½xtzt{tk
10% [th ‚ƒ¬t{tk ¾heŒ™th™u ¾qƒ s ËwkŒh ð¤‚h {¤e hnu. ƒòh{tk RLzuõË™u
òuðt fh‚tk ƒòh{tk òuðt {¤‚e ‚ftu™u RISK RETURN hurþÞtu™u æÞt™{tk
ht¾e htuftý fh™th {txu VtÞŒtfthf ƒ™e hnu. þuh™e ®f{‚™u æÞt™{tk ht¾ðt™u
ƒŒ÷u fk…™e fux÷tu „útuÚt fhe þfu ‚u™e …h VtufË fhðwk. 10 Yr…Þt™e ®f{‚u {¤‚tu
þuh ËM‚tu ™Úte y™u 100 Yr…Þt™e ®f{‚u {¤‚tu þuh {tU½tu ™Úte. fk…™e™tk „útuÚt
y™u ¼rð»Þ™e þõÞ‚t, yu {n¥ð™t …tËt Au. ¼th‚{tk rzSx÷ …u{Lu x™tu ÔÞt…
xtxt „ú…w ™e fk…™eytu™t AuÕ÷t …tk[ ð»to™t hex™o™tu zuxt ¼th‚{tk
n TCS : 78% xtxt „úw…™e fk…™eytu™t rzSx÷
n TATA MOTORS : 307% AuÕ÷t …tk[ ð»to™t hex™o™tu …u{uLx™tu ÔÞt…
n TITAN : 273%
zuxt ytÃÞtu Au. su Œþtoðu ðÄe hÌttu Au
n TATA POWER : 251%
Au fu xtxt „úw…™t þuhtuyu y™u rzSx÷
n TATA CHEMICALS : 215%
n INDIAN HOTELS : 192% þuh ƒòh{tk yLÞ „úw…™t …u{uLx ûtuºtu
n TATA CONSUMER : 330% «{tý{tk ytWx …hVtu{o NEFT y™u
n TRENT : 722% fÞwO Au. xtxt xuf™tu÷tuSË RTGS 58%
n VOLTAS : 48%
÷e.yu r÷Mxª„™t rŒðËu ßÞthu
n TATA COMMUNICATIONS : 417%
n TATA INVESTMENT : 381%
162%™w k hex™o UPI 24%
n TATA COFFEE : 195% htuftýfthtu™u ytÃÞwk Au. rnMËtu
n NELCO : 225% Ähtðu Au.
 …us ™k.-2 ;;;;;;;;;;;;; Ä™ ð»tto ;;;;;;;;;; ‚t. 01-12-2023

¼th‚{tk ntW®Ë„ ÷tu™™wk ytWx Mxu®Lz„ rðï™t rðrðÄ Œuþtu{tk Ëhfth™wk Œuðkw
¼th‚{tk ntW®Ë„ ÷tu™™t ytWx Mxu®Lz„{tk rð&ð™t rðrðÄ Œuþtu{tk Ëhfth™wk Œuðwk.
{wkƒE «Út{ ™kƒhu y™u rŒÕne ƒeò ™kƒhu MÚtt™ Ähtðu Au. su{tk ò…t™ GDP™t ËtiÚte ðÄthu xft Œuðwk Ähtð‚tu Œuþ Au.

rðï{tk ËtiÚte ðÄw Ëtu™t™wk ntu®Õz„ Ähtð‚t Œuþtu rðï™t rðrðÄ Œuþtu™kw Vtuh™u yuût[uLs heÍðo
rðï{tk ËtiÚte ðÄw Ëtu™t™wk ntu®Õz„ Ähtð‚t Œuþtu su{tk ¼th‚™tu ™kƒh 10{tu ytðu Au rðï™t rðrðÄ Œuþtu™wk Vtuhu™ yuût[uLs heÍðo su fhLËe{tk Au ‚u{tk ztu÷h 50% y™u
…hk‚w ¼th‚{tk 2700 x™ Ëtu™kw ¼th‚™e „]rnýeytu y™u fwxƒ kw tu …tËu Au. Þwhtu 20% rnMËtu Ähtðu Au. yux÷u fu xwkft„t¤t{tk ztu÷h™wk {n¥ð y™u yr™ðtÞo‚t
½xðt™e þõÞ‚t ™Úte.

¼th‚{tk ™tufhe - htus„th{tk {rn÷tytu™tu rnMËtu õ÷tWz RL£tMxÙõ[h™tu ÔÞt…

¼th‚{tk {rn÷tytu ™tufhe htus„th{tk Äehu Äehu yt„¤ ðÄe hne Au y™u õ÷tWz RL£tMxÙõ[h™tu ÔÞt… ðÄe hÌttu Au y™u {tuxt¼t„™tu zuxt nðu õ÷tWz W…h xÙtLËVh
‚u{™tu rnMËtu ytE.xe.{tk 34%, ƒu®Lf„ y™u VtR™tÂLËÞ÷ Ëuõxh{tk 23% Au. ÚtE hÌttu Au. su{tk yu{Íu tu™ 40% y™u {tR¢tuËtu^x 22% {tfuxo þuh Ähtðu Au.
 …us ™k.-3 ;;;;;;;;;;;;; Ä™ ð»tto ;;;;;;;;;; ‚t. 01-12-2023

¼th‚™e xtu[™e ytE.xe. fk…™e™t …hVtu{Lo Ë™tu zuxt rðï™t ËtiÚte {tuxt ytÞt‚fth...
¼th‚™e xtu[™e ytE.xe. fk…™e™t …hVtu{oLË™tu zuxt òu‚tk rðï™t fw÷
xe.Ëe.yuË. «Út{ ™kƒh™wk MÚtt™ Ähtðu Au ßÞthu RLVtuËeË ºteò ™kƒhu Au. RB…tuxo{tk
ËtiÚte {tuxt
ytÞt‚fth
‚hefu
y{urhft
13%
rnMËt ËtÚtu
«Út{ ™kƒhu
Au.

su ûtuºt™e fk…™eytu{tk ¾qƒ s {tuxe ð]rØ™e þõÞ‚t Au ‚u ûtuºttu...

nt÷{tk su ûtuºt™e fk…™eytu{tk ¾qƒ s {tuxe ð]rØ™e þõÞ‚t Au, ‚u ûtuuºttu™e
y{urhft™e ÷eMxuz ™t ntuÞ A‚tk ðÄthu ™uxðÚto Ähtð‚e fk…™eytu {trn‚e yt…u÷e Au. yt ûtuºt™t þuhtu{tk htuftý VtÞŒtfthf hnuþu.
y{urhft™e ÷eMxuz ™t ntuÞ ‚uðe 25 rƒ÷eÞ™ ztu÷h fh‚tk ðÄthu ™uxðÚto n Advertising

Ähtð‚e fk…™eytu™e ÞtŒe yt…e Au. su{tk CARGILL «Út{ ™kƒhu Au. n Artificiel Intelligence (AI)
n Blockchain Technology
n Business Administration
n Data Analyst / Data Science
n Medical Science & Technology
n Product Design & Development
n Psychology
n Social Work
n Sustainability

¼th‚™e xtu[™e rË{uLx fk…™eytu

¼th‚™e xtu[™e rË{uLx fk…™eytu y™u ‚u{™t x™ ŒeX {tŠs™ òu‚tk
Mxth rË{uLx y™u ©e rË{uLx y™w¢{u …nu÷t y™u ƒeò ™kƒhu MÚtt™ Ähtðu Au.
rðï{tk ËtiÚte ðÄw R÷uõxÙef fth™wk Wí…tŒ™ y™u W…Þtu„
rðï{tk ËtiÚte ðÄw R÷uõxÙef fth™wk Wí…tŒ™ y™u R÷uõxÙef fth™tu W…Þtu„
[e™ îtht fhðt{tk ytðe hÌttu Au.

¼th‚™t ËtiÚte ðÄthu htuftýfthtu Ähtð‚t htßÞtu

¼th‚™t su htßÞtu{tk ËtiÚte Maharashtra : 2.87 Cr.

ðÄthu htuftýfthtu Au Uttar Pradesh : 1.52 Cr.

‚u{tk {ntht»xÙ «Út{ ™kƒhu, Gujarat : 1.43 Cr.

Rajasthan : 87.45 Lakh
W¥th «Œuþ ƒeò ™kƒhu
Karnataka : 81.02 Lakh
y™u „wsht‚ ºteò ™kƒhu Au.
West Bengal : 81.01 Lakh
 …us ™k.-4 ;;;;;;;;;;;;; Ä™ ð»tto ;;;;;;;;;; ‚t. 01-12-2023

Ä™ð»tto Ve™fu… «t.r÷.

27, yþtuf ™„h ËtuËtÞxe, ÷ex÷ ^÷tðh Mfw÷ Ët{u, ¼êt, …tuMx yt™kŒ™„h, y{ŒtðtŒ-380 007.
y{u y{the ðuƒËtRx
WWW.MYLOSTSHARE.COM ÷tuL[ fhe Au yuf Ëðo©uc ftu÷tuƒúuþ™
su htuftýfthtu™u …tu‚t™t þuhtu rðrðÄ fthýtuËh Ëhfth{tk „Þt ntuÞ su ‚{tht {txu ÷tðe hÌtwk Au
‚tu ‚u …tAt ÷tððt y™u ‚u™e {trn‚e {u¤ððt {txu W…Þtu„e ™eðzþu.
n We are helping our investors to Search and get back their hidden treasures from STOCK MARKET{tk BASICÚte ÷R™u
all types of investments viz. physical shares, shares transferred to IEPF.

ADVANCE LEVEL xÙu™ª„....

n We specializes in search and claim of shares & dividends transferred to IEPF Authority.
n Our team can take care of all the process and documentation for IEPF claims,
transfer / transmission of shares. All we need is you full name and address
(Present and Past, if any) to find shares gone to IEPF.
n We feel immensely grateful to our clients for trusting us with opportunity to assist
them in recovery of their lost investments and hope to serve you also to find
your unclaimed investment.
su{tk ‚{u....
INVESTOR EDUCATION PROTECTION {tk 1. FUTURE OPTION
þuh sðt {txu™t fthýtu.... (DURATION : 1 MONTH)
35000 20000
(1) òu þuh ntuÕzhu Ë‚‚ 7 ð»to ËwÄe rzðezkz s{t fhtÔÞwk ™ ntuÞ ‚tu. (2) þuhntuÕzh …tËu
þuh ntuÞ …ý ¾tuðtE „Þt ntuÞ yÚtðt ‚tu „uhðÕ÷u {qftE „Þt ntuÞ y™u ‚u™u …rhýt{u rzðezkz 2. EQUITY & DERIVATIVES
55000 35000
¼hðt™wk hne „Þu÷ ntuÞ. (3) {tuxt¼t„™t fuËtu{tk ÔÞÂõ‚™wk hnuXtý™wk Ëh™t{wk ƒŒ÷tE „Þwk (DURATION : 3 MONTHS)
ntuÞ y™u fk…™e™t huftuzo{tk sq™wk Ëh™t{wk s ƒtu÷‚wk ntuÞ. (4) ÔÞÂõ‚™wk yðËt™ ÚtÞwk ntuÞ
‚tu ‚u™u fthýu rzðezkz ™ ¼htÞwk ntuÞ. (5) ÔÞÂõ‚ rðŒuþ{tk MÚttÞe ÚtE „Þu÷ ntuÞ y™u 3. FULL TIME TRADER
‚u™t þuh Œuþ™t Ëh™t{tyu [t÷‚t ntuÞ y™u rzðezkz ƒUf yuftWLx{tk ¼htÞwk ™ ntuÞ. (6) INVESTING COURSE 1,35,000 70000
þuh ¾tuðtE „Þt ntuÞ yÚtðt ‚tu ðu[e ™tÏÞt ntuÞ y™u su™u ðuåÞt ntuÞ ‚u™u ‚u þuhtu ßÞthu
rVÍef÷ MðY…{tk ntuÞ íÞthu xÙtLËVh fhtÔÞt ™ ntuÞ. (7) þuhtu ºteS …txeo™t ™t{u ¼q‚ft¤{tk
(DURATION : 6 MONTHS)
ytE.…e.ytu.{tk ¼hu÷ ntuÞ fu su …txeo™wk nfef‚{tk ftuE yÂM‚íð ™ ntuÞ y™u rzðezkz …ý
ƒUf{tk ™ ¼htÞwk ntuÞ. (8) þuh rz{ux{tk ntuÞ …ý rz{ux{tk ƒUf yuftWLx ™kƒh ¾tuxtu ntuÞ
yÚtðt ‚tu sq™tu ™kƒh ntuÞ. su™u fthýu rzðezkz ƒUf yuftWLx{tk ¢urzx ™ ÚtÞwk ntuÞ.
OFFLINE & ONLINE BATCHES
ytðt rðrðÄ fthýtuËh þuhtu 7 ð»toÚte ðÄw rzðezkz ™ ¼hðt™u fthýu - IEPF FUND{tk s‚t hnu ARE AVAILABLE
y™u ytðt s‚t hnu÷t þuhtu™wk fw÷ {qÕÞ 5.25 ÷t¾ fhtuz y™u y™õ÷uR{ rzðezkz™wk {qÕÞ 50 nòh fhtuz
sux÷wk Au. Œh ð»tuo yt hf{ ðÄ‚e òÞ Au. Ëhfth òu yt y™õ÷uR{ þuhtu 3 ð»to fu ‚uÚte ðÄw Ë{Þ ËwÄe ftuE +91 88660 04076 H +91 96878 11911
y™õ÷uR{ rzðezkz ftÞ{ {txu …tu‚t™t nM‚f ÷R ÷u ‚uðe …qhe þõÞ‚t Au. suÚte Œhuf htuftýfthtuyu yt ƒtƒ‚{tk
Ëtð[u‚e ht¾ðt™e sYh Au. su htuftýfthtu™u ytðt ftuE þuh™e Ë{MÞt ntuÞ ‚uytu y{thtu Ëk…fo fhe þfu Au. ze÷eMxuz þuhtu / y™÷eMxuz þuhtu
òu 31{e rzËuBƒh …nu÷t yt…™t rVÍef÷ þuhtu {txu ftuE …„÷t ÷uðt{tk ™nª ytðu
‚tu yt þuhtu ƒu™t{e «tu…xeo yuõx nuX¤ Ëhfth xtk[{tk ÷uðt™e «r¢Þt þY fhþu. ze÷eMxuz þuhtu yux÷u yuðt þuhtu fu su ¼q‚ft¤{tk þuhƒòh{tk ÷eMxuz n‚t
y™u rðrðÄ fthýtuËh – suðt fu fk…™e îtht MðiÂåAf ze÷eMxª„ / fk…™eyu
òu yt…™t þuhtu IEPF{tk „Þt ntuÞ y™u ‚u …tAt ÷tððt {txu yhS fhe ntuÞ ÷eMxª„™t Ätuhýtu™wk …t÷™ ™t fÞwO ntuÞ, su™t fthýu Mxtuf yuût[uLsu ze÷eMx
‚tu ‚u yhS™t SRN ™kƒh™u ÷„‚t ftuE…ý «&™™t íðrh‚ Wfu÷ {txu Ëk…fo fhtu. fÞto ntuÞ, ¼q‚ft¤{tk «tŒurþf Mxtuf yuût[uLs{tk ÷eMxuz ntuÞ y™u …Ae «tŒurþf
E-mail : dhanvarshafincap@gmail.com • Website : www.dhanvarshaindia.com Mxtuf yuût[uLs ƒkÄ Út‚tk yt þuhtu™wk xÙu®z„ ™t Út‚wk ntuÞ.
Vtu™ : (079) 2658 4076 / 2658 2276 • {tu. 92272 04076 / 88660 04076 y™÷eMxuz þuhtu yux÷u yuðt þuhtu fu su fk…™e™wk õÞthuÞ …ý þuhƒòh{tk
1. 5 ÷t¾ fhtuz Yr…Þt™t þuh RLðuMxh yußÞwfuþ™ «tuxuõþ™ Vkz{tk xÙtLËVh ÚtÞt Au. ÷eMxª„ ™t ÚtÞwk ntuÞ. su{tk ¼rðü{tk ÷eMxª„ Útðt™e þõÞ‚t ntuÞ. ¼rð»Þ{tk
þwk yt… òýtu Atu?

2. y™õ÷uR{ rzðezkz : 25 nòh fhtuz fk…™e™tu …Âç÷f RMÞw ytððt™e þõÞ‚t ntuÞ.
3. y™õ÷uR{ BÞwåÞwy÷ Vkz™t Þw™ex : 30 nòh fhtuz
W…htuõ‚ ƒk™u «fth™t þuhtu™wk ¾qƒ s rðþt¤ ™uxðfo y™u ÔÞt…f ƒòh
4. y™õ÷uR{ …e…eyuV™e hf{ : 50 nòh fhtuz
5. y™õ÷uR{ {uåÞtuzo RLMÞtuhLË …tu÷eËe : 20 nòh fhtuz Au. rðrðÄ ze÷eMxuz y™u y™÷eMxuz þuhtu fu su{tk ¾qƒ s {tuxt …tÞu ÷u-ðu[
6. y™õ÷uR{ hf{ ƒUf™e rVõË rz…tuÍex : 20 nòh fhtuz ÚtR hne Au y™u su™wk ¼rð»Þ{tk ÔÞt…f ƒòh y™u ¼tð{tk ð]rØ ÚttÞ ‚uðe þõÞ‚t
7. y™õ÷uR{ hf{tu{tk UTI™e Mfe{tu{tk : 15 nòh fhtuz Au, ‚uðt þuhtu™t ¾heŒ ðu[tý ‚u{s ÷uxuMx ¼tð {txu y{thtu Ëk…fo fhðtu.
8. 4 ÷t¾ fhtuz™t rVÍef÷ þuh nsw …ý ze{ux ÚtÞt rð™t™t rËMx{{tk Vhe hÌtt Au. M.NO. 8866004076 & 9227204076
yt ƒÄt s ™u ÷„‚e ftuE…ý Ë{MÞt {txu yt… y{thtu Ëk…fo fhe þftu Atu...
{tu. 92272 04076 / 88660 04076
DISCLOSURES AS PER SECURITIES AND EXCHANGE BOARD OF INDIA
(RESEARCH ANALYSTS) REGULATIONS, 2014
Ä™ð»tto ({trËf)
n I and/or my clients may have investments in this stock.
n I/my family have no financial interest or beneficial interest of more than 1% in
the company whose stocks I am recommending.
n I/my family have not received any compensation from the company where I am Printed, to Posted at Ahmedabad PSO on 5th of Every month
recommending a trade or investment.
n I have not served as an officer, director or employee of company and have not been
under Post Regd. No. L-5. RNP/GAMC-1859/2022-2024
engaged in market making activity of the company covered in the research report. issued by SSP Ahmedabad. Valid upto 31st December, 2024.
n I have no material conflict in recommendations posted here.
Nilesh S. Kotak M. : 92272 04076, 88660 04076 Regd. No. : L-5. RNP/GAMC-1859/2022-2024
Website : www.dhanvarshaindia. com / www.nileshkotak.com
E-mail : nileshkotak@nileshkotak.com
RESEARCH ANALYST n SEBI Regn. No. : INH000002103
PRINTED, PUBLISHED AND OWNED BY : Nileshbhai Somchandbhai Kotak
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Post : Anandnagar, Ahmedabad-380 007. n EDITOR : Nileshbhai Somchandbhai Kotak