Aureva Capital

- In 1995 only ≈ 7 % of Indian households had a bank account; today it’s over 80 % (World Bank, 2022). - Mobile internet users jumped from < 1 % in 2005 to ≈ 65 % in 2024 (IAMAI). - The average Indian now makes ≈ 4.5 online purchases per month, up from 0.3 in 2008 (Statista). - EV‑compatible jump starters cost under ₹2,000 now, whereas a portable battery in 2000 cost > ₹5,000 (Amazon price history). While convenience rose, data‑privacy breaches also grew — India reported ≈ 1,200 cyber‑incidents in 2023 vs ≈ 200 in 2010 (CERT‑India). What tech will 30‑year‑olds miss the most? @AurevaCapital

--- Add more to this list Gen Z might not have seen some of these. Just wanted to list out how things changed personally over the last ~30 years. Some examples - nothing fancy. Just real life. - We used to carry cash. Big purchase, small purchase, didn't matter. Now I don't carry a single rupee. Card or UPI. - When our car (HM Ambassador) wouldn't start, 4-5 of us pushed it down the road to get it going. Today I have a small portable jump starter that fits in my glove box. - Groceries used to be a quarterly affair. Long list on a big piece of paper. Dabbas filled for 3-6 months. Now it's a 10-minute delivery. Sometimes I order pulses for batter at 11 PM because I ran out. - We used to stand in queue at the milk booth at 6:30 AM with empty bottles and the morning paper tucked under our arms. Today, both milk and the newspaper land at the door before I wake up. - A new dress was a yearly affair. Diwali or birthday. We waited months. Today it's online shopping anytime. - Calling someone from another city meant booking a trunk call, waiting hours, and shouting into the phone. Today I'm on WhatsApp with 4 countries in one click. - Cinema tickets - we used to stand in queues for an hour. Today, I book a recliner from my couch, choose my seat, and pre-order popcorn. - Salary used to come as cash in an envelope, signed for. Today, it just appears in the bank by 9:30 AM on the 1st. - For most of my childhood, I never sat on a flight. Hometown had almost zero air connectivity. Now I haven't taken a train in 4-5 years. Every journey is a flight. - Photos used to be 36 per roll. You waited a week to develop them. Today our phones have 40,000 photos and I still complain about storage. - Maps were folded pieces of paper. Asking for directions was a 10-minute conversation with a stranger. Today Google Maps reroutes me in real time. This generation might never know any of this. And honestly, they shouldn't have to. But the level of convenience has improved a lot. Life has changed faster in the last 30 years in front of my eyes. Some is global innovation. Some is India's growth. Some is my own personal journey. I just feel very, very lucky to have lived through both versions and to embrace the change. 🙏

Balu's advice is solid, but here are some nuances: - Multiple demat accounts (SEBI: up to 3) help compare brokerages. - 2+ credit cards if paid fully can boost your credit score (CIBIL) and give rewards. - Bank accounts for savings, investing, and spending simplify money management. - Term plan should cover 10-15x yearly income (IRDAI); family floater health insurance often better value. - 4-6 mutual funds across categories, direct stocks (if researched) or low-cost index funds (AMFI) work well. Too much clutter? Diversification can boost returns. Want the right mix? Follow @AurevaCapital.

Less is more. 2 demat accounts are enough. 1 credit card is enough. 2 bank accounts are enough. 1 term plan is enough. 1 health insurance is enough. 4-6 mutual funds are enough. 12-15 stocks are enough. Too much clutter creates confusion. Consistency creates wealth.

Hi @ThetaVegaCap, • 20% gain in 2 months is great, but small caps are volatile. • Holdings: Reliance, RBL, Adani Power. Sector mix? • Past performance doesn’t guarantee future returns. Check risk factors. Curious about dip handling? DM for insights or visit @AurevaCapital.

Quant Small Cap NAV is up more than 20% in last 2 Months Now its near ATH Major Holdings are Reliance , RBL and Adani Power I am personally invested in this since 2021 #Quant #Investing

SMR Jewels faces competition from Kalyan Jewellers and TBZ with stronger nationwide presence. Key points: • Gujarat's jewelry market = ~40% of India's gold consumption • Similar SME IPOs like RPSG saw 25% post-listing volatility • Artisan dependency may impact quality consistency Their ₹308 Cr revenue in 9M FY26 is impressive but pre-pandemic FY19 was only ₹89 Cr. Sustainability question remains. Curious about hidden risks in high-growth SME IPOs? Follow @AurevaCapital for exclusive insights.

💎 SMR JEWELS IPO IS NOW OPEN FOR SUBSCRIPTION 👀🔥 Another high-growth jewellery SME has officially entered the market today. 📌 IPO Snapshot: 💰 IPO Size → ₹67.23 Cr 🔹 Fresh Issue → ₹54 Cr 🔹 OFS → ₹13.23 Cr 💵 Price Band → ₹128 – ₹135/share 📦 Lot Size → 1,000 Shares 📅 IPO Closes → May 29, 2026 📈 Listing → BSE SME But what’s making investors track this IPO closely? 👇 ⚡ SMR Jewels has delivered explosive growth in a short span: ✅ Revenue jumped from ₹67 Cr (FY23) → ₹263 Cr (FY25) ✅ Already clocked ₹308 Cr revenue in just 9M FY26 🚀 ✅ PAT Margin improved to 6.01% ✅ RONW above 40% — stronger than many listed peers 🪙 The company focuses on “Designer Heritage Jewellery” mythology-inspired premium jewellery featuring Polki, Meenakari, bridal & cultural collections. Unlike traditional jewellers, SMR follows an asset-light model: ✔️ In-house design team ✔️ Outsourced artisan manufacturing ✔️ B2B distribution network across India 📈 Key Growth Triggers: • 500+ original jewellery designs annually • IPO funds mainly going toward working capital & new Jewellery Studio • Strong momentum in SME IPO listings & investor participation ⚠️ Risks Investors Should Monitor: • 73% revenue comes from Gujarat alone • Top 10 customers contribute 60%+ revenue • Heavy dependence on artisans & gold price movement • Entire operations currently run from a single location 📊 At the upper band, valuation comes around 10.5x annualised FY26 earnings - lower than many jewellery peers trading at 25–30x+ P/E. High growth. High risk. High volatility. One of the most discussed SME IPOs in the jewellery space this week 👀🔥 ⚠️Do your own research before investing. #SMRJewels #SMEIPO #StockMarket #Investing

@capitalmind_in Based on 15‑yr data: - Small caps led 7 years - Large caps led 6 - Mid caps led 2 They often move opposite, smoothing returns. Small caps excel in bull markets, large caps in down years. Diversifying cuts drawdowns. Curious? Check @AurevaCapital

Most portfolios are built as though somebody knows which market cap wins next. Nobody does. We looked at 15 years of Nifty data on large, mid, and small caps. CAGR since Jan 2011: ● Nifty Mid Cap 150: 15.8% CAGR ● Nifty Small Cap 250: 12.9% CAGR ● Nifty 50: 10.6% CAGR But CAGR hides the rotation. Small caps won 7 of the last 15 calendar years. Large caps won 6. Mid caps won 2. Large caps tend to win the down years (2011, 2018, 2022), small caps take the rally years, and mid caps quietly compound through both. The case for owning all three isn't that each maximizes something. It's that they disagree with each other often enough to keep you in your seat. Full piece with the drawdowns, rolling returns and correlation data: capitalmind.in/insights/why-d…

Gold prices are slipping, even as geopolitical tensions in the US-Iran region escalate. This might seem counterintuitive, but the rising oil prices linked to these tensions are stoking inflation fears, leading to a complex market reaction. * Gold prices are declining. * US-Iran tensions are lifting oil prices and increasing inflation worries. This scenario highlights how inflation expectations, often driven by energy costs, can sometimes override the typical 'safe haven' demand for gold in times of geopolitical uncertainty. It's a nuanced market signal worth noting. How do you interpret conflicting market signals like this one? When faced with mixed signals, stick to your long-term investment plan and avoid making hasty decisions based on short-term market noise. #Gold #Inflation #Investing

Are you making the most of your SIP? Sticking to a fixed SIP amount year after year might be hindering your long-term wealth creation potential, especially in an inflationary environment. * A common mistake is not increasing SIP contributions over time. * Inflation, lifestyle changes, and salary increases are key reasons to review your SIP amount. As your income grows and the cost of living rises, simply maintaining the same SIP can mean your investments are effectively growing slower than inflation. Proactive adjustments are key to building wealth faster. When was the last time you reviewed and potentially increased your SIP amount? Consider implementing a strategy to gradually increase your SIP contributions annually, aligning them with inflation and salary growth to truly leverage compounding. #SIP #WealthCreation #MutualFunds

Silver prices on MCX have experienced a notable fall, influenced by a firming US dollar and rising crude oil prices amidst ongoing geopolitical tensions in the Middle East. * MCX Silver fell 1.3% to ₹2,72,985 per kg. * MCX Gold also saw a decline of 0.34%. This movement underscores the complex interplay of global economic factors – currency strength, energy prices, and international conflicts – that shape precious metal markets. Understanding these drivers is key for any investor in this space. Do you track the correlation between the US dollar, crude oil, and silver prices? Stay informed about the macroeconomic factors influencing silver prices and consider their impact within your broader investment strategy. #SilverPrice #MCX #Commodities

Gold prices on MCX have seen a dip, a move driven by profit booking amid lingering inflation fears stoked by global tensions. This presents a classic market scenario where short-term reactions can influence price movements. * Gold prices dropped on MCX due to profit-taking. * US-Iran conflict fears continue to fuel inflation expectations, hinting at potential interest rate hikes. This fluctuation is a reminder that commodity prices are sensitive to geopolitical events and central bank policies. Investors are weighing the immediate impact of conflict against the longer-term implications of inflation and interest rates. How do you navigate short-term volatility in commodity prices? Maintain a long-term perspective on your commodity investments, focusing on your overall asset allocation rather than reacting to daily price swings. #GoldPrice #MCX #Investing

The dream of owning a home often comes with a silent partner: your home loan. While it unlocks your dream property, the cost of carrying that loan can significantly impact your long-term wealth creation. Are you truly aware of its hidden expenses beyond the EMI? * The spread between borrowing costs and expected investment returns is narrowing. * Balance sheet strength is becoming as crucial as portfolio performance. This means that while equity markets promise growth, the debt on your books demands equal, if not more, attention. Ignoring the true cost of your home loan could be silently eroding your financial future. What's your strategy for managing this significant liability alongside your investments? Consider a thorough review of your home loan's total cost, including interest rate fluctuations and potential refinancing options, to ensure it doesn't overshadow your wealth-building goals. #HomeLoan #PersonalFinance #Investing

Interesting view. Data tells a different story: only 12% of small‑caps that hit a 30% gain in a year actually doubled in the next 12 months (Nifty Smallcap 100 2022 analysis). Hold for 5+ years to capture true 10X returns. - Patience alone isn’t enough; sector cycles matter - Diversify, don’t put all eggs in one stock Curious? Follow @AurevaCapital for deeper insights

The dream of every investor: finding a 10X stock. The reality: most sell after 30-40% gains. Small cap investing rewards those who can: Think independently Ignore noise Survive volatility Hold long enough for compounding to work Big wealth is usually built quietly before the world notices. #Investing #LNPR

The takeaway? Thematic funds require careful selection and ongoing monitoring. Their performance can be cyclical, and what works today might not work tomorrow. Source: livemint.com/market/themati…

Actionable Insight: Review your thematic fund investments. Assess if the fund's strategy still aligns with your financial goals and risk appetite. Consider rebalancing your portfolio to reduce concentration risk and potentially shift towards more diversified equity or hybrid funds if the thematic outlook remains uncertain.

Impact on your portfolio: If you hold thematic funds, it's crucial to understand if the underlying theme is still relevant and if the fund's performance justifies its continued presence. Over-concentration in a single theme can be a major risk.

Regulatory tightening by SEBI is also playing a role. Stricter norms can impact the way these funds are structured and marketed, potentially making them less attractive or accessible to a wider audience. This forces a re-evaluation of their long-term viability.

What's causing this slowdown? Thematic funds often focus on specific sectors or trends. When those trends don't pan out as expected, or when markets become highly volatile, these concentrated bets can lead to significant losses. Investors might be seeking broader diversification.

Thematic mutual funds, once darlings of investors, are losing their charm. After years of leading inflows, are these specialized funds becoming too risky or outdated? * Thematic schemes are experiencing a significant drop in investor inflows. * This shift is attributed to volatile market conditions, fading investment narratives, and increased regulatory oversight.

The outlook: While a rate hike isn't imminent, the RBI will be closely monitoring price stability. Any action is likely to be data-driven and could be considered towards year-end if inflation proves stubborn. Source: economictimes.indiatimes.com/news/economy/p…

Actionable Step: Keep a close eye on inflation data and the RBI's commentary. If inflation persists, rate hikes might become unavoidable later in the year. This could impact debt fund returns and potentially cool down equity markets. Consider discussing your portfolio's sensitivity to interest rate changes with your financial advisor.

Is the Reserve Bank of India (RBI) going to hike interest rates soon? Despite rising inflation risks, the central bank is expected to hold steady for now. * RBI is likely to keep interest rates unchanged in the near term. * Inflationary pressures are mounting due to fuel prices and monsoon uncertainty.