Chinmay
28 posts by Chinmay on the WealthTicker blog. Every figure in them comes from the same AMFI, AMC and exchange data the rest of this site shows, dated where it is stated. None of it is investment advice.
Twenty years of equity funds: 98 with a full record
02 Oct 2026
98 equity funds have NAVs back to April 2006. Median returns by category since then run from 10.8% (large-cap) to 14.4% (small-cap), before survivorship.
Fund Returns
HUF: how a joint family can save tax
02 Oct 2026
A Hindu Undivided Family is a separate taxpayer with its own slabs and deductions. How it saves tax, where its money must come from, and what it costs to undo.
TaxPersonal Finance
Just retired? A financial checklist for year one
02 Oct 2026
Year one of retirement sets up the next thirty. A month-by-month checklist: park the lump sum, build an income floor, fix tax and insurance, then invest.
RetirementPersonal Finance
Anatomy of a market correction: 19 years of Nifty falls
02 Oct 2026
Ten Nifty 50 falls of 10% or more since 2007: how deep, how long, how fast they healed, and why the best days arrive in the middle of the worst.
Investing StrategyMarket Recap
Emergency funds: where to keep them for liquidity
02 Oct 2026
Savings account, sweep-in FD, overnight or liquid fund? How fast each pays out, what it earned in the past year, and what can go wrong.
Personal FinanceDebt & Hybrid Funds
Debt funds after the tax change: where to park cash
02 Oct 2026
Liquid and money market funds returned about 6.5% in the year to October 2026. Taxed at slab since 2023, they now compete with arbitrage funds after tax.
Debt & Hybrid FundsTaxPersonal Finance
Bank stocks in mutual funds: 17% of equity money
01 Oct 2026
Equity funds held ₹6.34 lakh crore in Indian banks on 31 August 2026, 17.06% of their shares. ICICI Bank and HDFC Bank alone were 48% of it.
Portfolio HoldingsSectors
196 of 529 equity funds are down over the past year
01 Oct 2026
37% of equity funds lost money in the year to 30 September 2026: 29 of 33 large caps, but 1 of 62 mid and small caps. Which categories and themes fell.
Fund ReturnsMarket Recap
Gold fell 4.9% in September 2026: the month in rupees
01 Oct 2026
Gold fell from ₹1,35,882 to ₹1,29,290 per 10 grams in September 2026, its third-worst month in five years, and ended 17.9% below its January peak.
Gold & SilverMarket Recap
Large-cap rolling returns: 13.80%, not the 8.47% you see
01 Oct 2026
The median large-cap fund's trailing 5-year return is 8.47% a year, but its average 5-year rolling return since 2013 is 13.80%. Why they differ, to 30 Sep 2026.
Fund Returns
Nifty Bank P/B at 1.64, near its lowest since 2020
01 Oct 2026
Nifty Bank closed at a price-to-book of 1.64 on 1 October 2026. Since 2021 only two days were lower, and since 2003 only 5.4% of days. Why P/B matters here.
Market Valuations
Small-cap funds fell 19–31% from their peaks, then recovered
01 Oct 2026
Over three years to 30 September 2026, the median small-cap fund's worst fall was 24.13%, mostly between late 2024 and 3 March 2025. Next to their returns.
Fund Returns
Focused fund returns: 30 stocks, no wider spread
17 Sep 2026
To 16 Sep 2026 the median focused fund returned 11.53% a year over 3 years and flexi caps 10.80%, with a similar spread and volatility.
Fund Returns
Equity fund scorecard, August 2026: small caps lead again
04 Sep 2026
The median small-cap fund gained 4.40% in August 2026 and is up 17.82% for the year; large caps were flat at −0.03%. Medians by category, NAVs to 31 August.
Fund ReturnsPSU funds in August 2026: strong years, behind the index
21 Aug 2026
PSU equity funds returned a median 24.05% a year over three years to 20 August 2026. The Nifty PSE's estimated total return was 25.74%, and all four trailed it.
SectorsFund ReturnsMid-cap fund returns in August 2026: near the top
07 Aug 2026
To 6 August 2026 the median mid-cap fund returned 12.24% over a year and 19.93% a year over three. 29 of 33 funds were within 1% of their record NAV.
Fund ReturnsNifty 50 rolling returns: how often has it lost money?
23 Jul 2026
Since 2007, 21.26% of 1-year Nifty 50 windows lost money, 2.60% of 3-year ones and none of the 10-year ones. The full range, to 22 July 2026, on price alone.
Market ValuationsMarket Recap
Sharpe ratios: which equity funds paid best for risk
09 Jul 2026
To 8 July 2026, the median diversified equity fund had a 3-year Sharpe ratio of 0.57. Bandhan Small Cap led at 1.22; mid caps led the categories at 0.81.
Fund ReturnsThe cheapest and dearest NSE indices at mid-2026
30 Jun 2026
On 29 June 2026, 40 of 60 NSE indices sat below their own median P/E since 2021, against 20 at the end of 2025. IT was 34% below its median, Pharma 15% above.
Market ValuationsSectorsValue and contra funds in June 2026: ahead of flexi caps
16 Jun 2026
Over five years to 15 June 2026 the median value fund returned 15.11% a year and the median flexi-cap fund 12.33%. Over one year they were level, near 1.5%.
Fund Returns