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Stickied postModerator of r/IndiaInvestments

We encourage all our visitors to ask those investing related questions they were always too afraid to ask. This thread will be moderated, to ensure it remains free of harassment and other undesirable behavior.

The members of /r/IndiaInvestments are here to answer and educate!

NOTE If your question is "I have 10,000 rupees, what do I do?" or anything similar. There is no single answer to this question, but we will also need A LOT MORE information if we are to give some sort of answer

  • How old are you?
  • Are you employed/making income?
  • How much? What are your objectives with this money?
  • What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know its 100% safe?)
  • What are you current holdings? (Do you already have exposure to specific funds and sectors?)
  • Any other assets? House paid off? Cars? Expensive partner?
  • What is your time horizon? Do you need this money next month? Next 20yrs?
  • Any big debts?
  • Any other relevant financial information will be useful to give you a proper answer.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. You should strongly consider seeing a registered financial rep before making any financial decisions!

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Stickied postModerator of r/IndiaInvestments

It's that time of the month. Some of us just received cash from salary or business income. What are you planning to invest in? What did you sell, and why? If you are continuing to hold onto existing investments, what are they and why do you hold them? Are you avoiding anything? Again, why?

The discussion is not just for individual stocks of companies, but also for mutual funds and other investments. Feel free to share your investment rationale. This thread does not exist not only for disseminating knowledge on investment decisions (the why?). Others are free to assess your rationale.

Be aware that these answers are just opinions of Redditors and should be used as a starting point for your research. None of this is investment advice or a stock recommendation. Kindly do your due diligence and/or consider seeing a registered investment advisor before making any financial decisions!

Previous Links

PS: Be friendly. Be civil.


I need to travel to India and needed to transfer more than 10k$. Can I write out a check and cash it at an Indian bank if I have an account there? What exchange rates do they provide? Thinking if if I might come out on top compared to sending via transfer services like Remitly.


I am thinking of investing in MF in a goal based manner. I have found Kuvera and Edelweiss ( provide this facility.

Kuvera is young. Edelweiss is mature. So I'm thinking of going with Edelweiss. Has anybody used it? How is Edelweiss is general? I have heard a lot of praise for Kuvera here so I know the general opinion about it. What could be the advantage or disadvantage is using Edelweiss over Kuvera?

Thank you.


Rainy Day Stocks?

I've had this article open on my laptop for quite some time. Could redditors who are active investors in the mentioned stocks shed some light?


What is your experience and charges?

Can't find this stuff on their website.


So as far I know, cryptocurrency gains for held-for-trade where gain is realized within a year is to be taxed as STCG as per slab rates applicable for an individual. I heard someone saying that the GoI has levied a fixed 30% tax charge on cryptocurrency gains. Could anybody give a brief on the actual tax situation in India? This is with regards to gains on crypto held for less than 3 years. Also if it is STCG and my current income is 0, would I be given the same 2.5 lakh waiver before being taxed as per the slab?


With small caps getting a good beating,is there any small cap that you would recommend? I am looking for companies with sound fundamentals


Read this thread at r/financialindependence and was curious as to how the members here would approach this:

Imagine you are 35 and plan to retire/switch careers by 40-42. You are currently saving annually about 15% of your corpus till date. What kind of asset allocation would you use for your monthly investments? What would be your rationale? Keep in mind a heavy drawdown when you are 40 may likely delay your career switch for a few years. Assume “debt bucket” exists – ie enough money in fixed income to last for first 7-8 years of retirement.

Note: am not asking about rebalancing the entire corpus. Am asking what split would you allocate to your monthly savings.

Also – any insightful reads/links anyone has on asset allocation & managing sequence of return risk are very welcome!


Incorporated in 1974, RITES Ltd. is a Government of India Enterprise, under the aegis of Indian Railways. RITES Ltd., an ISO 9001:2008 company, is a multi-disciplinary consultancy organization in the fields of transport, infrastructure, and related technologies. It provides a comprehensive array of services under a single roof and believes n transfer of technology to client organizations. In overseas projects, RITES actively pursues and develops cooperative links with local consultants/firms, as means of maximum utilization of local resources and as an effective instrument of sharing its expertise.

Since its inception, the company has evolved from providing transport infrastructure consultancy and quality assurance services and have developed expertise in:

  1. Design, engineering and consultancy services in transport infrastructure sector with a focus on railways, urban transport, roads and highways, ports, inland waterways, airports, and ropeways;
  2. Leasing, export, maintenance, and rehabilitation of locomotives and rolling stock;
  3. Undertaking turnkey projects on engineering, procurement and construction basis for the railway line, track doubling, 3rd line, railway electrification, up gradation works for railway transport systems and workshops, railway stations, and construction of institutional/ residential/ commercial buildings, both with or without equity participation; and
  4. Wagon manufacturing, renewable energy generation and power procurement for Indian Railways through collaborations by way of joint venture arrangements, subsidiaries or consortium arrangements.

In India, the clients include various central and state government ministries, departments, instrumentalities as well as local government bodies and public sector undertakings. These include Indian Railways, NTPC, Dedicated Freight Corridor Corporation of India Limited, High Speed Rail Corporation of India Limited, Public Works Department, DMRC, Steel Authority of India Limited, Rashtriya Ispat Nigam Limited, Hindustan Petroleum Corporation Limited, Bharat Coking Coal Limited, Metro Link Express for Gandhinagar and Ahmedabad (MEGA) Company Limited, Indian Port Rail Corporation Limited, Airports Authority of India, among others. The company also engages with various large private sector corporations including L&T Metro Rail (Hyderabad) Limited, Kanti Bijlee Utpadan Nigam Limited (KBUNL), Cimmco Limited, Titagrah Wagons Limited, Snowmex Engineers Limited, Unity Infraprojects Limited, Rajdeep Buildcon Private Limited, Mahalsa Constructions Private Limited, Marymatha Constructions Limited, AFCON Infrastructure Limited, INCAP, ARK Services, MNEC Consultants Private Limited, Indian Geotechnical Services Limited, Geokno India Private Limited and NATRIP Implementation Society among others.



I'm new to the direct investment online platform scene and was wondering if you could help me out.

I have narrowed down my options to the following: ET Money Kuvera ArthaYantra Groww Coin by Zerodha Piggy

In terms of UI, customer service, price, reliability and type of service offered, could you let me know which of these would be the most preferable?


the prices quoted by the car dealer is almost twice (more than that actually) than the quotes I got when I was checking online. The one i liked was HDFC Ergo, where there was cashless facility,24x7 assistance etc.

The question is has any of you availed such outside vendors instead of the one given by dealer, and are there any disadvantages doing this?


The water crisis makes me think drinking water is going to be valuable in coming days.


Are you bothered by it?
Whats your strategy?


Hi there. Feeling great to be a part of this community.

I'm doing a study on why do share price falls on good news. I've already gathered few reasons based on facts and my past experience. Some of them are:

  • When earnings report does not meet the market expectations.
  • Market anticipates the results and prices already starts adjusting before the actual announcement.
  • Cloudy future expectations-- Current ‘good’ news is good for the investors but the comments about the future can easily scare them (no matter how good was the past).
  • Some Missing Part -Something critical announced/reported in the annual/quarterly report by the management/board of the directors of the company that got missed by the investors.
  • Noise Trading

Note: You can read my full study here.

I'm looking for few other reasons which I missed. If you know any other reason that adversely affects the price of share even after good news, please comment below. If you can provide an example for that- then it would be really appreciable.

Thanks for reading this post. Happy Investing.


So after hitting 4,000+ INR per share two years ago what are the chances it will go that high again?

I had a lot of shares but didn't sell at that time waiting for it to go higher and then it crashed to 2,000+ INR now.

Anybody can give a prediction?


I tried to get this info through various channels, but nothing authentic comes up. I can get the constituent stocks of index (SENSEX), but doesn't seem to get the individual percentage contribution of each. Does someone have official docs on this? I can see some blogs written on this subject, but it doesn't confirm that's how they do it.


1) PTL Enterprises steep Drop from 21/03/2017 to 5/04/2017 - By what I see is this due to the "transfer of shares among promoters", If so , are the shares still not with the promoters of the company ?

2) Kellton Tech, Why the jump of the price from 08/Sep/2015 to 01/Feb/2016 and then the dip from 23/Mar/2016 to 11/Nov/2016 - My guess here is due to promoters holding change may be ?

Thanks for your time on this.


Hi, does anyone have any reports/primers on various industries, specifically from an Indian perspective?

Thanks much in advance.


Sun Pharma, Lupin, etc have shot up. I expect some correction before one can invest for long term.


I'm trying to carry out an exercise to understand which mines determine the majority of the output of an ore. This is to be able to take fundamental calls on the production company. Is something like this possible to do? Any experience


My Previous Reddit post

Thanks to /u/embokki, i'm able to figure out the variance. Sharing the links I was helped with for it.

Further Questions:

At the time of Initial return filing i.e. in July 2017, I have filed original return and on finding error by myself, I have filed revised return immediately after filing the original. The notice I have now received is on revised return. So when filing the corrected return now, what should be the acknowledgement number that should be mentioned ?

The Second link provided contains as below, so can anyone here please confirm, if the acknowledgement number be of original Or of the revised ?

If you are filing a revised return more than once, then at first and every subsequent revision you will have to enter the acknowledgement number and the date of filing relating to the original return only

Moderator of r/IndiaInvestments

The intelligent investor never stops reading. This is a thread to share articles, books, research papers, newspaper reports, television clips, podcasts, interviews or anything of interest that you are catching on over the weekend.

Are you a starter in investing? Then, here is a list of recommended books:

  • Stocks for the Long Run, Jeremy Siegel
  • Learn to Earn: A Beginner's Guide to the Basics of Investing and Business, Peter Lynch
  • One Up On Wall Street: How to Use What You Already Know to Make Money in the Market, Peter Lynch
  • The Little Book That Builds Wealth: The Knockout Formula for Finding Great Investments, Pat Dorsey
  • A Random Walk Down Wall Street – The Time–Tested Strategy for Successful Investing, Burton G. Malkiel

Working and getting EPF deducted from your salary? Please check your EPF passbook if you got interest for FY 2017-18 credited in your account. It gets credited in April and is backdated to March 31. If not, please raise a grievance with the EPFO. Links attached.

  1. EPF Passbook login:

  2. Raise grievance: (select "Register Grievance")

We need to take action to make our country a better place.


While I hate government interference in anything – there is an argument to be made that in a country with such widespread financial illiteracy and so ill-prepared for retirement – increasing the component of PPF is a good thing.

Equally there’s a good opposing argument to be made that force without financial education is ineffective. Since people will likely withdraw their PPF and spend it on conspicuous consumption items like children’s wedding etc and the retirement scenario will not change. Also – India has an extremely high Household savings rate % already – just that the money is deployed for other goals.



I'm filing ITR online from income tax website.

To my surprise i found this 2L cap on tax benefits from letout property :

> if the annual interest component in the EMI is Rs 5 lakh, the home-owner could earlier claim deduction on full Rs 5 lakh on such property, but now can only claim up to Rs 2 lakh in a year (carry forward allowed for 8 years).

Now the government has removed the differentiation and the deduction benefit stands capped at Rs 2 lakh both in case of a self occupied property or a property put on rent.

Is this true for AY 2018-2019 as well?


Hello /r/IndiaInvestments ,

Not sure about the rules of the subreddit and whether posts like this are more suitable for the stickied discussion but i'll wait and see if the mods pull this down.

Anyway just like most of the people on this sub I like the idea of ETFs -

i)Alpha generation has been hard over the past years and its hard to find fund managers who beat the market

ii)Low expense ratio

My only worry is that the low volume of trade.

Does this make redemption harder due to the lack of buyers when we talk about larger redemptions(15-25L rupees)

Dont really have a immediate use for the money and can leave it invested for 10+ years. Do i just invest in ETFs and hope India will see an influx of passive investors in the coming years or do I just go ahead with the safer route of a regular index fund ?

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