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Market notes and research snippets for Aarav Kapoor — free cards are open; premium research stays locked until you upgrade.
Private banks with clean liability franchises remain preferred. Watch incremental slippages in unsecured retail; HDFCBANK and KOTAKBANK still core holdings for moderate books.
Deposit franchise quality still screens better than loan growth — prefer banks with sticky CASA and contained unsecured mix.
Keep SIPs running through choppy mid-cap weeks. Flexi-cap funds like Parag Parikh remain suitable core engines for IN-104281's ₹48.62L book.
Skip timing the next dip — rupee-cost averaging works best when contributions stay uninterrupted for 12+ months.
Maintain 8–12% precious metals. SGB / Gold ETF sleeves cushion INR volatility without crowding equity compounding.
Treat gold as portfolio insurance, not a return engine — top up on sharp INR weakness, trim only if the sleeve drifts above ~12%. Pair with existing equity + SIP book rather than rotating out of winners.
Detailed relative-value screen across Persistent, Coforge and LTIM with entry bands and horizon notes for Q1 FY27.
Year-end ELSS allocation guide with lock-in calendar and fund shortlist for salaried HNI clients in Mumbai.
Commodity sleeve sizing for clients already holding equity + gold — includes copper ETF proxies listed in India.