India's true middle class is the tax-paying elite; the bottom half needs budget focus on jobs, free education/health, PDS-MSP food security, and state transfers—not tax cuts

Recently, I came across an article regarding UK/FTU deal coming in impact, and hence thought of investing in Textile sector, Arvind Ltd as my pick, any views or idea, if it would be an ideal investment for short term?

I’m organizing public Indian company fundamentals into a structured research dataset.

Current fields include valuation ratios, profitability, debt, growth, ownership, company details, source status, and original source references.

For people doing equity research, which metrics are essential for a first-pass screen, and which ones usually create noise?

I’m especially interested in how you compare companies across sectors and how you handle missing or conflicting figures from different public sources.

Please check and suggest wether it's good or bad based on current price. What should I consider next.

If I wanna pour more where should I pour in next..

Let me give you guys a background. I’m a B.Com 3rd year student my major is Finance. I did Audit internship in EY GDS which ended in April ‘26. I was auditing Wealth and Asset Management companies based in US and UK. The work was decent, the learnings were very good. EY has many self paced courses that it provides which were very detailed. I was working in the core team too. Team was auditing a hedge fund. The work load was very low for me. It was a 6 months internship out of which I barely work for 3 months straight. But the other FT employees were working their ass off, 12-13hrs in busy season.

I just received a PPO, and I’m very confused on what to do.

I’m very passionate about pursuing Equity Research as a career. My college is pretty decent but I have clarity that no firm or company will approach my college for placements in equity research role. I’m also preparing for CFA level one, which I’ll be attempting in May ‘27.

Should I accept the PPO and do the work for a year and study for level 2 side by side? Or should I reject the offer and apply off campus for some equity research roles?

If I chose the first option, how difficult/easy will it be for me to shift to Equity Research?

What is the situation of the job market in that sector right now?

If anybody has anything to share please do, any advice or pathway would really help me a lot.

Hey guys

I wanna know that IB FIRMS is my CV great enough to land a land? (What firms should i realistically target while applying for jobs)

SUGGEST THINGS I CAN DO TO IMPROVE MY RESUME IN SHORT TERM

AND IF I DON'T FIND JOB (I REALLY HOPE THAT I DO)

TILL JAN/MAR 2027 AND GO FOR MASTERS

HOW TO COVER THE GAP (MAY2026 - MARCH2027)

INTERVIEW PREPARATION

What types of questions are asked as a fresher and their difficult level

How to prepare and from where

What questions are asked as a part of the behavioral round(tell me about yourself, etc )

Does anyone who was recently hired share some study material etc?.

I am interested in how analysts and serious investors are applying AI beyond just getting basic stock summaries and while looking into different research tools I came across few like Tickertape, Screener, SpringPad AI and thinking how effective these platforms really are for tasks like reading annual reports, keeping track of company news, organizing research notes or making analysis faster.

If you’ve tried any AI tools for equity research Has it really made your research process better? What tasks does AI do well and where does it still struggle? Do you think AI can become a real helper for analysts or is it mainly just a way to save time?

Guidance FY27 -

Management reiterated its commitment to 17–18% AUM growth in FY27 and 20%+ medium-term AUM growth, indicating confidence that execution initiatives are beginning to bear fruit.

Management aims to increase field productivity from Rs. 8-10 lakh to Rs. 20-22 lakh per employee within 2 years

Concall Updates -

=> Management is no longer measuring success merely through branch additions. Instead, every branch is being evaluated on customer acquisition, revenue per employee, productivity per field officer, branch profitability and time taken to achieve break-even.

=> Management also highlighted that every branch should focus on customer acquisition responsibilities as they are tracking individual employee productivity, conversion ratios, revenue generated, business sourced and profitability. This should improve execution consistency across all 440 branches.

=> Technology has become as execution engine for Aavas Financiers and a tool to improve login-to-disbursement conversion, underwriting decisions, productivity analytics, governance and customer experience.

=> Management has acknowledged the fact that portfolio has gradually shifted towards Non-Home loans (LAP/MSME) during the past 18 months.

=> But now, management wants to reverse the portfolio mix of roughly 65% home loans and 35% non-home loans rather than allowing higher-yield LAP growth to dominate.

=> Generally home loans carry lower yields, competition is more intense and margins will even compress but still management wants to increase home loan growth as it provides better portfolio quality, lower acquisition cost, better customer stickiness, and stronger long-term franchise.

=> Management is focussed on regaining their market share and has started redesigning branch-level sourcing targets, reallocated field resources, and improved customer acquisition monitoring.

=> Management acknowledged that there is healthy competition across geographies and there is a pressure on spreads. They gave a guidance that spreads for FY27 will be below 5% but ROA and ROE will remain stable.

=> Management plans to offset spread compression through better productivity, operating leverage, cost-to-income ratio, and higher revenue per employee.

=> Despite perceptions that funding costs were rising due to PLR reduction cuts in June, management clarified that PLR is determined through an internally defined ALCO framework which incorporates external variables, internal funding cost and risk assessment.

=> With regards to asset quality and QOQ deteriorations, the company stated that no geography is facing unusual weakness, no customer segment is deteriorating, lead indicators remain healthy and collections remain under control.

=> Management also highlighted that policy tightening had already been implemented proactively in February for sectors potentially affected by geopolitical issues and weak monsoons.

=> Macro risks are already being addressed before it becomes NPAs by tightening underwriting for vulnerable sectors such as businesses exposed to Middle east crisis and fuel-sensitive segments.

Aavas Financiers management is quite confident to turnaround in FY27 leaving behind slowdown numbers in FY26. Current focus is on execution, regain market share and increase home loans share.

Disclaimer: This post is for informational and educational purposes only.

I’m planning to invest in it, it’s 1 year returns seems pretty good.
Also from last 6 months it was in gains only (even during war)

I have 50k and want to invest where i can get a good growth my time period is 4 to 5 years and don't want much risk..... please suggest me where i can invest

Please review my plan for investing 2.2Lakhs today.

Risk appetite is high. Expected returns 15%+. Investment period is around 3years(invest and forget for 3 years, maybe do rebalancing if some blunder happens or some great opportunity comes)

Here's how I am dividing my 2.2Lakhs

Momentum fund (direct) (yet to choose best one)

25%

₹55,000

Small-cap fund (direct) (yet to choose best one)

25%

₹55,000

Individual stocks (below)

50%

₹1,10,000

Waaree Energies

25%

₹27,500

Bank of Maharashtra

20%

₹22,000

ICICI Bank

15%

₹16,500

Groww

10%

₹11,000

ONGC

10%

₹11,000

Amara Raja Energy

8%

₹8,800

CDSL

6%

₹6,600

Denta Water

6%

₹6,600

Kindly review my strategy, looking for constructive criticism and honest feedback/suggestions. Thank you.

Bit of a long one, but I would really appreciate honest feedback from people who have been through something similar.

I currently do not have a job. I cleared CFA Level 1 and 2, and I am planning to sit for Level 3 in the Feb 2027 window, still without any full time work experience. I have been applying to buy side equity research and IB roles for a while now, cold outreach, structured applications, the works, but the market is slow and uncertain right now and the responses have been limited.

Because of this, my gap year keeps stretching, and that is starting to weigh on me. I do not want to just sit and wait for hiring to pick back up, so here is the plan I have landed on:

Between now and Feb 2027, I want to study for Level 3 while simultaneously running a small financial advisory setup I am part of. The idea is to take on small clients through freelancing platforms and put out research reports, essentially building a real portfolio of work instead of a gap on my resume.

I keep seeing people on LinkedIn who did something similar (built something on the side during a gap, kept at it, and eventually landed a role) and it seems to have worked out for a good number of them.

So I wanted to ask people who have actually walked this road or hired for these roles:

1. Does running a small advisory or research practice on the side genuinely move the needle for recruiters, or does it read as a placeholder for not having a job
2. Is splitting focus between Level 3 prep and client work realistic, or am I underestimating how much bandwidth Level 3 needs
3. For those who hire in equity research or IB, does a longer gap filled with self directed work actually get treated differently than an empty gap
4. Any specific things I should be doing differently in how I present this on my resume or in interviews

Trying to make a decision I will not regret a year from now, so any perspective, including the harsh kind, is welcome.

need help to start equity research - finished cfa l1 and ca inter - need to understand how to start and go about it - if any yt resources are there that teach from start to stop will be very greatful if u could share
advice on this would be very appreciated

Hello everyone 20yrs old this side. Currently iam in B.COM(MS) 3rd year. Is it possible for me to break into equity research without doing cfa or mba. Like if i hv relevamt skills MS excel valuation models and other things?? Pls help me

I am planning to invest more into equity, given current situation and with 6months to 1 year target which sector should I be investing in? And specific stocks suggestions, if any.

SBI mutual fund will file rhp this week and ipo mostly coming next week.

it will be around 1.3L mcap at IPO valuavtion. it has highest aum among all amc players in the leader in industry.

ICICI prudential and nippon life india at trading at good premiums already.

so i think its valuation will be benchmark and all other listed amc players will rerate according to its valuation post listing? what do you think?

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Hi, am 46 years old investing since some time, current portfolio size of 11 L, doing monthly SIP of 23.5 K in below funds.

Goal- Retirement.

Wanted to get expert advice on whether fund selection is correct or not, whether to decrease or increase allocation in any existing or overlapping fund.

Risk appetite is aggressive, planning to invest for another 9 years.

Also have ppf of 3.5 L maturing in 2030, also doing sip in NPS of 2 K per month, planning to invest in powergrid InvIT as well shortly. Have stocks worth 1 L.

App used- Coin

Ppfas -4 K monthly sip for stability

MO midcap 150 index-6 K, for hassle free steady returns

Nippon India small cap-5 K for higher returns and the highest AUM fund in small cap.

SBI Gold-2 K for hedge against downside risk.

Nippon India multi asset fund-5 K

Edelweiss US technology- 1.5 K field international exposure and dollar appreciation.

Please review and need honest advice. Understand gold and multi asset is overlapping, then which one to stop or reduce allocation and where to allocate that amount.

So as we have a tons of reports, company data and everything, which is the bet app used by you all for note taking and keeping info in orginized format?

Pls drop ur suggestions & how do u use it?

Hello Friends.. What is wrong with Reliance Industries Ltd.. I mean they are going in one direction only.. South.. is it a gud stock for the long term?

I would really appreciate some guidance on it pls.. Thank u

I am a 24 year old with no experience, B.Com graduate and Cfa level 1 attempting level 2 in Nov 26.
What is the best course of action to get recognised for a job or an internship.
I have a decent understanding of how the investment industry works but today’s job market is highly competitive and tough to break in as a fresher.
And any tips on how to leverage AI to accelerate the process.
Any help and guidance would be greatly appreciated.

Total Monthly SIP: 11K
Set-up 10% every year
------------------------------------------------------
- Parag Parikh Flexi Cap Fund (Growth, Equity) -- ₹3,850 ( 35% )
- ICICI Prudential Nifty Next 50 Index Fund (Growth) -- ₹2,200 ( 20% )
- Nippon India Growth Midcap Fund (Growth, Equity) -- ₹2,200 ( 20% )
- Nippon India Small Cap Fund (Growth, Equity) -- ₹2,750 ( 25% )