#TuneIn to @BTVI at 2 pm.. #Battle for control over @Infosys Possible scenarios & their #impact Don't miss it

From Independence to Eminence: Bharat Rising Across tech and AI, clean energy and defence, a digital first India is choosing self-reliance as Viksit Bharat 2047 takes shape At o3 Capital, we are proud to play our part, connecting capital with opportunity Happy Independence Day

PM Modi gifted Australian PM Anthony Albanese a vinyl record of Colonial Cousins album

Couldn’t get to office. All access roads to Kalina flooded. Took refuge @PreetiAyya’s house and co-anchored market open with @TheLowEdge via Skype. Big Thanks to the efforts of few brave souls of @BTVI who made it to work today. #MumbaiMonsoon #MumbaiRains #markets

Nifty 50 SIP Returns (2005–2024): 6.7% CAGR SIP Sales Pitch: Returns @ 12-15% CAGR. The Reality: Returns @ 6.7% CAGR in Nifty 50 SIP over the last 20 years. 9.65 crore active SIP contributing Indians should know the facts. SIPs: Myth vs. Reality a. Last week's JP Morgan report said SIPs are now the MF industry’s demand anchor, contributing 77% of equity MF & hybrid MF net inflows. Monthly SIP inflows in May 2026 were up 48% YoY. b. Brokers sell SIPs showing a past track record of 12-15% CAGR annualized returns. In reality, the actual 20-year Nifty 50 SIP CAGR, pre-tax, pre-fees was only 6.68%. (Source: Peer-reviewed Arxiv study, 2005–2024, available online). c. When a Mutual Fund reports "10-yr return of 15%", that 15% applies only to the investor who invested a lump sum 10 years ago and never touched it. But the average SIP investor tops up during rallies and stops during declines. So, actual return (XIRR) is much lower in the real world. d. In other words, the 15% return only works for the SIP investor who entered in a bear market, never panicked, never switched from one fund to another, invested through every crash, and held until the exact date the broker did his calculations for 15% CAGR. Why Real-World Returns are Low? a. A 2026 FundsIndia study published in the mainstream financial media analyzed Nifty 50 TRI (total return index) returns from 1999 to 2026. b. If you invested a lump sump in Nifty 50 TRI in 1999 and remained invested till 2026 (YTD), you would earn 13.3% CAGR over 27 years. c. But if you missed just 15 best trading days in the last 27 years, your portfolio lost 2/3rd of its value. (You only earned 8.8% CAGR). If you missed 30 best days, your portfolio lost 85% of its value. (You earned 5.7% CAGR – lower than FD returns and not even beating inflation). If you missed 50 best days, your portfolio lost 94% of its value. (You earned 2.3% CAGR over 27 years.) d. 7 of the 10 best days occurred within two weeks of the 10 worst days. This means investors who panic during crashes usually miss the strongest rebounds. For example, if you panicked and stopped SIP during Covid, you would have missed some of the “best trading days” in Nifty history that followed when market rebounded. e. SIPs Destroy SIPs: SIPs are designed to gain from market corrections. At market lows, an SIP buys more units for the same amount (rupee-cost averaging). But when there is a flood of SIP liquidity, market volatility is removed systematically. SIPs lose their natural advantage. That’s why Charlie Munger says passive investing works best when relatively few people are doing it. Where are Rich SIP Investors? a. Anurag Singh @anuragsingh_as who has extensively written on the SIP “illusion” asked in a 2024 article in ET: “Why isn’t the previous generation rich if SIPs delivered such fantastic returns?” b. When old SIPs keep closing and new SIPs keep opening, only the broker makes money. Even if investors switch from one fund to another, it still kills the compounding as soon as you stop one fund. c. In 2024, Anurag said: “Small-cap SIPs jumped nearly 4X after FY21, and are currently 50% more than large-cap SIPs. (Large-cap money was switched to small-caps.) What kind of SIP education brokers are giving to investors?” d. SIP Stoppage Ratio is a metric that tells how many SIPs are stopped or switched every month (and thereby lose the compounding effect). It is the ratio of SIPs discontinued to new SIPs started in a given month. SIP Stoppage Ratio in early to mid 2024 ranged from 50% to 60%. Market was rising, and more SIP accounts were being opened at peak prices. Stoppages increased in 2025 as prices declined. SIP Stoppage Ratio in 2026: Jan: 74.8% Feb: 75.6% Mar: 101.06% Apr: 101.1% May: 95.5% Stoppage ratio trend shows SIP investors follow this cycle: Market Rises: Start SIPs Market Falls: Stop SIPs Market Recovers: Those who stopped miss the rebound. Market Peaks: Those who stopped return to make new SIPs. When there is deep pessimism in the markets, it is the worst time to stop SIPs. But human mind is not wired to handle extreme pain of loss. Most investors simply give up, cut their losses, and move on with their life. Endquote “If investing weren’t hard, everyone would be rich.” – Charlie Munger @arabicatrader

Of all the things that make Mumbai unique, here’s the weirdest one: The city is dug up 8 months a year to prepare for 4 months of monsoon. And all of that prep gets washed away on the first proper rainfall of the season! Year after year it’s the same story #MumbaiRains

@deepdbhandari Sir ...Anil ji ne yaad kiya hai aaj aapko😇 @AnilSinghvi_ @ZeeBusiness

For years, MSMEs were seen as a “weak customer segment.” “Our mission has been to change that perception, because when perception changes, reality follows.” Our Founder and MD, Mr. Shachindra Nath, explains how campaigns like #MSMEAcchaHai, has helped in changing the perception towards MSMEs. Watch the full podcast here: youtube.com/watch?v=zJjCvshG… @snathdelhi | @deepdbhandari #UGROSampark #IndiabyMSME

To India’s MSMEs, credit is fuel. But too much, too fast, can stall the engine. Our Founder and MD, Mr. Shachindra Nath, explains why India’s MSMEs need balance, not brute growth. Watch here: youtube.com/watch?v=zJjCvshG… To download the 4th Edition of MSME Sampark Report visit: ugrocapital.com @snathdelhi @deepdbhandari #UGROSampark #IndiabyMSME

@VGSOM_IIT_Kgp was honoured to host Mr. Deepanshu Bhandari, O3 Capital, for an enriching session under the Leadership Talk Series, Vaakya 2026. @IITKgp #LeadershipTalk #HomeVGSoM #MBA #IITKharagpur #VGSoM