Parikshit
28 posts by Parikshit 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.
The 50/30/20 rule: budgeting for people who hate budgets
02 Oct 2026
Split take-home pay into needs, wants and savings with three numbers instead of a spreadsheet. How it works on an Indian salary, and where to adjust it.
Personal Finance
Direct vs Regular plans: how 1.2% a year costs lakhs
02 Oct 2026
A regular equity plan costs a median 1.2 points a year more than its direct twin. On a ₹10,000 SIP over 20 years, a gap that size is worth about ₹12 lakh.
Costs & FeesInvesting Strategy
Beyond 80C: tax deductions salaried people miss
02 Oct 2026
80C is full for most salaried people before they invest a rupee. The smaller deductions that still cut tax in FY 2026-27, and which survive the new regime.
TaxPersonal Finance
Pharma and healthcare funds: all 17 are up over the year
02 Oct 2026
All 17 pharma and healthcare funds with a one-year record gained in the year to 1 October 2026; the median made 17.50%. Best, worst, 3 and 5-year returns.
Fund ReturnsSectors
REITs: commercial real estate with small capital
02 Oct 2026
A REIT unit gives you a slice of rented office parks or malls for the price of one unit. How REITs work in India, what they pay and the risks.
Investing StrategyPersonal FinanceSWP for retirement income: making a corpus pay monthly
02 Oct 2026
How a systematic withdrawal plan turns a fund corpus into a monthly income, how it is taxed, and what a 2020 start did to one, from real NAV data.
RetirementInvesting StrategyELSS fund returns in October 2026, and the 3-year lock-in
01 Oct 2026
The median ELSS tax-saver fund returned 10.30% a year over the three years to 30 September 2026, exactly its lock-in period. Best, worst, and the lock-in odds.
Fund Returns
Foreign stocks in Indian equity funds: under 1%
01 Oct 2026
33 of 587 equity schemes held overseas securities on 31 August 2026: ₹37,337 crore, 0.96% of their money. Parag Parikh Flexi Cap alone held 43.6% of it.
Portfolio HoldingsInternational funds in 2026: how much was the rupee?
01 Oct 2026
The median overseas equity fund-of-funds returned 24.56% in the year to 30 September 2026. The dollar's 8.28% rise against the rupee supplied about 9.5 points.
Fund IndustryFund ReturnsMulti-asset funds returned 7.9% while the Nifty fell
01 Oct 2026
The median multi-asset allocation fund returned 7.85% in the year to 30 September 2026, as the Nifty 50 fell 8.09%. The funds were 15 points apart.
Debt & Hybrid FundsFund ReturnsSector mix: large-cap vs mid-cap vs small-cap funds
01 Oct 2026
Large-cap funds had 26.16% in banks on 31 August 2026; small-cap funds 7.17%. Small caps lean on industrial products and auto parts instead. The full split.
SectorsPortfolio Holdings
Equity funds at 52-week lows? Almost none, even now
28 Sep 2026
On 25 September 2026 no equity fund closed at a 52-week low, and 3 of 528 were within 2% of one, while the Nifty 50 sat just 3.62% above its March low.
Fund Returns
Nifty Midcap 150 P/E at 28.6, near a record index
11 Sep 2026
The Nifty Midcap 150 closed at a P/E of 28.64 on 10 September 2026, below its 30.41 median, while its 0.58% dividend yield matched a five-year low.
Market Valuations
August 2026 in numbers: small caps near their high
01 Sep 2026
The Nifty 50 fell 1.2% in August 2026 while the Smallcap 250 rose 2.5% to within 1.4% of its record. Gold rose 9.1%, silver 14.6%. The month in one page.
Market Recap
Silver funds: 99% in a year, 37% below the January peak
18 Aug 2026
The median silver fund of funds returned 99.01% in the year to 17 August 2026, yet stood 36.5% below its 29 January high. Sixteen funds compared.
Gold & SilverFund Returns
Gold up 1.6%, silver down 2.3% in July 2026
04 Aug 2026
Gold rose 1.6% to ₹1,24,564 per 10 grams in July 2026, its calmest month of the year. Silver slipped 2.3% and ended 47.7% below its January peak.
Gold & Silver
Gilt funds gained 2.58% in the three months to July
20 Jul 2026
The median gilt fund returned 2.58% in the three months to 17 July 2026, after 0.19% in the three to March. Long bonds, the laggards then, led the turn.
Debt & Hybrid Funds
New mutual funds in June 2026, and the first half
07 Jul 2026
5 new schemes published a first NAV in June 2026, taking the first half to 79, down from 97 in January–June 2025. Index fund launches fell most, from 43 to 27.
Fund Industry
Nifty Energy P/E at 14.9; Oil & Gas near a five-year low
25 Jun 2026
Nifty Energy closed at a P/E of 14.86 on 24 June 2026, above its median since 2021. Nifty Oil & Gas, at 8.82, was below all but 174 sessions. Why they split.
Market ValuationsSectors
Large & mid cap funds: halfway between large and mid
11 Jun 2026
The median large & mid cap fund returned 15.59% a year over 3 years to 10 June 2026, almost exactly halfway between large caps (11.35%) and mid caps (19.75%).
Fund Returns