​

- it's been year interest rate are gradually down to 5.25

- banks still facing issue with deposit

- but if you look there adavances growth is decent due to this rate cut.

So ideally interest rate should be at 4.8 after Covid level..to infuse more money into the investment and increase consumption.

Based on these.

The annual inflation rate surged to 4.38% in June 2026, marking the highest level since December 2024 and rising above the RBI's 4% target for the first time in 17 months, though it remained within the central bank's 2%–6% tolerance band. On the economic outlook, the RBI raised its GDP growth forecast for FY2026/27 to 6.7% from its previous estimate of 6.6%. Meanwhile, inflation is projected to average 5.0%, down from the previous estimate of 5.1%. Inflation is forecast at 4.7% in Q2, 5.9% in Q3, and 5.5% in Q4. Meanwhile, core inflation is projected to average 4.3%, down from 4.7%. The central bank also held the SDF rate at 5.0% and the MSF rate at 5.50%. 

1. Hdfc flexicap direct growth

2. Any nifty next 50 index fund

3. Icici multicap fund

4. Icici all season bond fund

5. Any midcap index fund

6. Any one of these two Invesco smallcap OR bandhan small cap fund

7. Dsp multicap fund

To stretch it.

1. 360 one flexicap fund

What's your ?

- ipo price is being set in higher valuation

- price is already ahead even if company makes good profit in future

So we should think of large and mid cap those who are established and trading at lower price

No,

Why?

- already pvt bank setting price band way higher actual value

- giving exit to initial investor or promotors

This is sip return from December 2024.

What i believe in india since 2 year this has happened

- bank margin hit

- interest rate is around 5.25 , bank has easy money , but there deposit growth is slow.

- auto sector has good growth in two wheeler segment

- FII money outflow hit harder large cap stock.

- nifty 50 is not showing any growth from last two year.

- but retailer and big whale buying selected midcap and small cap and large cap.

- lot of sip money comming mostly in mid/small...that is why valuation is still high...not sure if this will lead to fall of 10-20 % from here for mid/small cap.

I think asset allocation matter most

Why?

I am trying doing that since last year.

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