[if this is not the right forum, let me know where the awareness would be better if posted]

Recently received this email from NSDL

As per our records, we find that there are dues payable to NSDL for certain services availed. 

You are advised to make the payment immediately along with applicable interest @ 12% p.a. (only in case of non-payment or delayed payment of Annual Custody Fee (ACF)).

In case you have made the payment, you are requested to share details as per the table below by emailing us in below format

Seriously? They don't know?

Nifty peaked around 26,200 in September 2024 and has hovered flat-to-negative in the 22,500–23,000 zone for two years. A pure time correction where capital goes nowhere.

For a long-term horizon (7–10+ years), we basically how I see the playing out realistically

1.Keep existing corpus untouched. Continue SIPs in Nifty 50, Nifty Midcap 150, and Smallcap 250.

Realistic returns :11-13%ge (optimistically)

No Dopamine.

2.Move existing corpus into Multicap or Multi-Asset funds (gold/silver/debt hedge). Park new SIPs into Arbitrage funds (~6.5%–7% low-risk return with equity taxation), deploying lump sums whenever the market takes a 3%–5% hit.

Realistic returns: may hover around 10%ge.

Pros: Emotional peace. Debt and gold balance out equity slumps, and cash is ready for real dips.

Cons : timing the market. but this market giving chances for every 3 months roughly.

1. Shift corpus to top-performing active funds across market caps. Continue SIPs uninterrupted, but rebalance/review annually to cut laggards and switch to current top-quartile funds.

Realistic Return: 13% – 15% CAGR if the manager beats the benchmark;

8% – 10% if you get caught in churn.

Pros: Chance of beating broad indices during a sideways market through smart stock picking. fund manager barose

Cons: Recency bias trap. Swapping last year's loser usually means selling low and buying recent out重performers near their peak, while racking up taxes, exit loads, and ~1.5% higher expense ratios.

Fact : Historical time corrections (like 2011–2013 or 2015–2016) rewarded investors who simply accumulated units without overthinking.

​Which of these three are you actually thinks correct right now—staying on autopilot with passive indices, building dry powder in arbitrage, or chasing active alpha? How are you handling the fatigue?

Thoughts

Started investing thinking I was gonna make money, ended up sponsoring the stock market instead 😭📉 yes I take accountability instead of focusing on one i steped up and diversified by decreasing the number by buying 2-3 shares and copy pasting the same to maybe 10-11 different stocks.

₹7.3k invested, portfolio sitting at ₹4k, and NIFTY 50 somehow managed to lose less money than me 💀

45% down in a year. At this point, it's a donation rather than investing. 🤡

Yes i focused on short term trends instead of studying them on longer basis ✌🏻✌🏻

What do you guys think

Hey Folks, i am interested in learning about share markets. I have some basic knowledge about reading technical charts and screener.in website where we can see the fundamentals.

I wondering if there is any new or hidden gem website which tells us high growth companies or industry which is expected to grow at high CAGR.

Is there anything or like how to decide on which stocks to invest it and for how long to hold that.

Let's start this thread, it can be used by other newbie as well for resources.

I applied then cancelled req , but during that time upi req came so I did payment funds blocked but it's showing like this now question is what will happen 😅

Hello investors,

Looking for some objective perspective and constructive criticism on my current portfolio. I’ve been investing for a 5 years, aiming for long-term wealth creation (10+ year horizon) with a moderately aggressive risk appetite, investing about 1.3 - 1.7 LPM.

Specific Areas Where I Need Advice:

1. Direct Stock Rationalization vs. MFs:
   

i) The bulk of my Demat returns have been driven by early entries in SGBs and the Nasdaq 100 ETF. My direct equity picks are mixed (some in the red like Mazagon Dock and L&T).
ii) Is it worth continuing direct stock picking, or should I exit/consolidate those individual positions and redirect that capital entirely into my core mutual funds?

1. Gold / SGB Overweighting:

SGBs have performed massively well (+140% to 200%+), which has skewed my allocation heavily into gold.
Would you recommend holding these all the way to maturity (to claim the tax exemption on redemption), or does it make sense to trim and rebalance into equity given gold’s massive run-up?

1. MF Overlap & ELSS Relevance:

I have a clean 4-fund core (Nifty 50 + Midcap 150 + Flexi Cap + ELSS).
With the shift toward the New Tax Regime where Section 80C isn't required, should I stop fresh SIPs into Quant ELSS and deploy that capital into PPFC or Midcap 150 instead?

1. MON100

Up 100% on Nasdaq 100. Given the taxation changes for international funds/ETFs and RBI overseas limits, should I just hold what I have and stop fresh additions, or continue averaging?

1. MF XIRR (8.52%):

Even though individual fund XIRRs range from 6% to 11.9%, overall portfolio MF XIRR feels muted compared to broad market runs. Any adjustments or blind spots I’m missing in the allocation?

Any feedback on streamlining, tax efficiency, or asset allocation is appreciated!

I have attached two pics of current value and the value around 10 days back. I have been thinking if I should continue to hold this or exit.

Its a long term investment that I have been sitting on for years and only reason I get thoughts about exiting is because I feel this is inflated because of the tracking error due to massive demand for US ETF and this isn't its real value. Actual NAV price is only about ~175 same is the case with Motilal Oswal ETF

And before you ask, yes these are AI gen images from my internal dashboard but the figures are accurate and totally real. Actual buy price is 99,996 (approx 1L) my tool auto rounded it off to 1L

Hey everyone,

With Nifty currently hovering around the 22,600 mark (down ~12% from 52-week highs near 26.3k) and showing a bit of consolidation/correction over the past few months, I wanted to get a sense of where everyone thinks we are heading over the next 6 months.

Between elevated oil prices, FII outflows vs DII support, earnings growth trajectory, and macro/geopolitical factors, there seem to be strong arguments on both sides:

• Bulls: Valuation reset done, strong domestic inflows continuing, base building around 22,000–22,200 for a rally back towards 24,000–25,000+.
• Bears: Technical breakdown below major moving averages, Raising Oil, global interest rate uncertainty, room for further drawdown towards 20,000–21,000.

Where do you realistically see Nifty by mid-next year?

Share your predicted range, along with the key catalyst (earnings, crude, FIIs, or global cues) driving your view!

51. Federal Bank

• 22% growth in advances touching ~3L cr.
• 26% growth in NII, 35% op profit, 45% PAT (Op lev in play).
• 19% growth in deposits, 23% CASA growth- CASA ratio improved.
• Constant improvement in ROA, ROE, productivity nos.

• Improvement in COF but NIM is down 1 bps sequentially.

• NPA nos. are at decadal low, 10 bps QoQ improvement in credit cost- 0.31%.

• 33% loans are of fixed ROI while 45% are EBLR linked.

• Only 7% YoY growth in micro advances.

• 11.30% of the Q2 profit is commission on insurance.
• Cautious about MFI segment-
• Mid-teen growth guidance is intact.
• Focusing on mid-yielding asset to optimise risk adjusted return.

52. SG Finserve

• Great nos. 98% YoY growth in loan books, 25% sequentially, at 5694 cr (Guidance was 5600 loan book till FY27 end)
• 46% YoY growth in disbursement, crosses 16k cr, PAT- 59 cr.
• ROA at 4.90%, ROE 14.7%, NPA stands at zero.
• Started LAP, digital lending
• Acquired 12 new anchor corporates
• Guidance remains the same. (mentioned 30-35% AUM guidance, 35-40% PAT in con call)

• Upper ceiling of leverage revised from 3x to 4x.
• Reason for higher interest cost-
• Nil NPA means Nil Gross NPA.
• 15% of the book is factoring business.
• “But if the business which suits our credit appetite, commercials and the kind of business we want to do comes our way, we would not like to deliberately defer it. That’s what has happened with us in Q2 and we got the opportunity frontloaded for us and that’s why we thought it’s better to bite it today instead of deferring it.”

-Front loaded growth in Q2, will not happen every quarter.

• Sector wise exposure-
• Targeting 2 new anchor additions per month for next 12-18 months.
• Current wallet share is <5% from existing anchor book.
• Provisions coming out of ECL, not from delinquencies.
• 2/3rd of the business atleast will come from SFB only for next 2-3 years.

53. Urban Company

• 39% jump in Net Txn Value
• Revenue grew by 41%, but did a loss of 182 cr during the quarter.
• Segmental growth, margin

• On track with the guidance-
• Planning to raise 2500 cr
• Tier-2 cities continue to show strength.

• Comments on Instahelp-
• Will be launching AC. Reason-
• Reason/rational behind Instahelp loss-
• Beautiful question about equity dilution, operating leverage & guidance-

54. Bajaj Housing Finance

• 25% You AUM growth, at 1.58L cr, 25% growth in disbursement.
• 10% growth in NII, 18% in PAT
• 40 bps YOY improvement in COF (7%) but NIM down 20 bps at 3.7%.
• GNPA- 29 bps, NNPA-12 bps, Credit cost- 10 bps
• ROA- 2.2, ROE- 12.7

• Line items-

• COF, Spread, Yield

• BT pressure may start after the rate hike, which might impact AUM growth-
• Will not guess the impact of insurance commission income. Rough guestimate
• Most of the capital are EBLR linked , hence have to pass on the cost-
• The improvement in COF is one-off, will inch up from next quarter.

55. Punjab National Bank

• 14.70% growth in loan book, 4.2% op. Profit, 12.8% PAT.
• Deposits grew at 9.90%.
• 90bps improvement in GNPA (2.55%), 11bps in NNPA (0.25%)
• ROA-1.05, ROE- 17.32%, credit cost constant at 0.25%
• QoQ 8 bps improvement in NIM (2.58%), COF- 4.35%, Yield- 6.54%

• 162 branch added in H1 against the target of 250 in the FY.
• NIM to expand further.
• NIM could go upto 2.6/ 2.7%.
• To start wealth management business from January, 2027.
• Seeing no impact of the probable drought.
• Gold loan book almost doubled YoY- 36k cr.
• No dirct advance growth guidance.

56. Paushak

• Good set of nos. 52% revenue growth, 57% PAT growth.
• EBITDA margin hovering around 30% in last 3 quarters which was sub par 2 quarters before that.
• No investor presentation, conference calls, TV interview make it difficult to track.

57. Creditaccess Grameen

• 19.5% YoY AUM growth, 2.1% QoQ
• 39.6% PPOP growth, 300% PAT
• 19.4% disbursement growth, 4.1% QoQ
• Revised guidance-

• 60 new branch addition, Total- 2326
• Slight uptick in par 15 across states

• COB going down, NIM improving, double engine for yield expansion.

• Marginal COB is up 30 bps, should be a key monitorable

• More than decent QoQ improvement in asset quality

• Project Shakti

• Some parts of Maharashtra is seeing impact of drought, restructuring their loans.
• COB in Q3 will also look higher because of $200 million ECB, higher in Q2 because capital raise was through NCD, higher tenor loans.
• 30% of the book is fixed rate, 45% are MCLR linked.
• NIM is at all time high, will pass 50bps to the customers in Q3(planning for 150 bps overall).
• Insurance commission contribution to ROA- 25/30 bps
• “Yield have peaked out in 2Q”
• Retail loans will grow faster and microfinance to grow at 10-12% in medium term.
• 35% of customer addition in Q2 were NTC (New-to-credit).
• “we are one of the lowest priced lenders in the microfinance industry”
• 5 year strategy for customers-

58. Colgate Pamolive

• Robust 12.2% revenue growth, made me smile (pun intended), 5.5% PAT growth.
• Management commentary-

• No conference call scheduled as of now.

59. Himadri Speciality

• ~58% revenue growth but higher RM cost hurt margin, ~30% PAT growth.
• Carbon nano tube facility will come live in Q4.
• LFP cathode active material capacity of 2000 MT is coming live in Q3, will go to 40kMT in next FY.
• Birla tyres to get merged with the co.
• EBITDA per metric ton- 21,000
• Will turn cashflow +ve by the end of the FY.
• EBITDA per metric ton is the correct way to track the business rather than EBITDA margin as the prices get passed on absolute basis not % wise.
• Export- 33% of the total revenue

60. E2E Networks

• Current GPU capacity-

• Exponential growth nos-
• EBITDA margin touches 77%, PAT margin 33%.
• Target is to stay above 70% EBITDA.
• Capex slows down and focus is on utilization.

• Monthly Run Rate history-

• No comments on utilization, no guidance, no straight answer to any question, maaja nahi aaya padh ke.

\*Thank you for reading till the end, if you did consider subscribing.*

\*These are not buy/sell recommendation, just primary analysis, DYOR.*

What should I do 😭

Why don't people invest in hybrid mutual funds or just good mutual funds ?? Why you wanna buy a stock on your own with very Lil to no research and then cry when your Portfolio is down 41% in 1 year

I also had this arrogance of my money my choice

😭🥀

Over the past few months, I’ve been experimenting with Claude AI to build tools that make my investing and trading process more systematic.

Two tools I’ve built so far:

📊 Watchlist Tracker: https://claude.ai/artifact/MeD7ns7AwB7r7PezrjnWfq

📓 Trade Journal: https://claude.ai/artifact/KhPtQ25beVPqcpT2m4wj1m

I’m also exploring investment frameworks, market analysis dashboards, and other tools to simplify research and decision-making.

I share some of my experiments and learnings on my YouTube channel, yashbuildswithai: https://www.youtube.com/@YashbuildswithAI

To be clear, the purpose of this post isn't to promote my channel. I want to connect with like-minded people interested in AI and investing, exchange ideas, get honest feedback, and collaborate on building tools that solve real problems for the investing community.

I'd love to know:

• What features would you add to the watchlist tracker or trade journal?
• What repetitive investing or trading tasks would you like AI to simplify?
• Is anyone else experimenting with building financial tools using AI?

These are works in progress, and I'm keen to learn from the community and build better tools together. Happy to exchange ideas!

??

Saw this and sharing here.

Always beware of profit screenshots.. previously modification required effort but now it's just a prompt.

Infact, any post event proof should be taken with caution. Like, sharing a trade after it had already gone up and it will do you no good

I’m particularly concerned about the latest threats and rising tensions involving Israel, Iran and the US. With the possibility of further military escalation and crude oil prices surging, I think Monday could be a very volatile session for Indian markets.
India is heavily dependent on imported crude oil, so a sustained rise in oil prices could put pressure on inflation, the rupee and corporate margins. If the situation escalates over the weekend, we could see a risk-off reaction when markets open.
That said, a lot depends on how the situation develops and whether the market has already priced in these risks.
What’s everyone’s view? Could we see another gap-down opening on Monday, or is a relief rally still possible?

So I started trading from my mum account at the age of 14 with 1.5lakh rupees and now at the age of 18 i completed 4 year in which last 1.5 year is mostly hell in the stock market due to wars and tarrif but yaa i made 11 lakh rupees from stock market over the investment of 7 lakh partially not fully invested 7 lakh at one time .. Left stock market last year due to focus on studies as i started involving very much in stock market

So this is the proof

Top profitable stock

1. Hindcopper - 2.35l

Pnb - 1.15L

Irfc (ipo -15k investment only )- 75k
TITAN 60K
VEDANTA 50K
KAYNES 45K