r/IndiaStocks

Looking for honest feedback from the community.

Attaching my consolidated holdings.

Snapshot (as of Apr 2026):

• Direct Equity: ₹48.56 L across 50 stocks

• Mutual Funds: ₹55.97 L current value / ₹31.65 L invested → 76.84% absolute return, XIRR 14.17%

• Fixed Deposits: \\\\\\\~₹50 L

• Hard Savings in account: \\\\\\\~₹40 L

• Age: 31

• Total investable corpus: \\\\\\\~₹1.95 Cr

What I’d love feedback on:

1. Rating out of 10 — how does this portfolio look for a 31-year-old?

2. Direct equity: 50 stocks feels like too many. Top holdings (RIL, Maruti, SBI, HDFC) are \\\\\\\~45% of the equity book; the bottom 15 stocks are tiny positions under ₹20K each. Worth trimming the tail and concentrating?

3. MF duplication: I have 7 Mirae Asset funds, 7 Invesco funds, multiple funds in the same category (4 Mirae Large & Midcap funds, 2 Mahindra Small Cap funds, etc.). Is this hurting me?

4. Underperformer: Bajaj Finserv Large & Midcap at -2.26% XIRR on ₹2L hold or exit?

5. Cash drag: ₹40L idle + ₹50L in FD is a large chunk in low-return assets. Is this too conservative at 31? What’s a sensible FD/cash allocation for my age?

6. Ideal allocation: Currently roughly 54% equity / 26% FD / 20% cash. What would you target?

7. 10-15 year growth: If you were in my shoes today with \\\\\\\~₹1.95 Cr to deploy, what would you do differently?

Names and folio numbers redacted. Appreciate pointed feedback. 🙏

Started investing back in November 2025 📈💰📅

I have purchased it during the dip. How long should I hold these ?

My Tickertape shows ₹51,230 profit on my Digital Gold holding. Sounds great.

But here’s what I actually keep after all costs:

The hidden costs nobody shows you:

*•	3% GST on every buy → ₹6,764 gone upfront*

•	*2.5% sell spread → ₹6,917 off current value*

*•	3% GST on sell → another ₹8,094 gone*

*•	20% LTCG tax on real profit*

Final take-home:*** ****₹23,564. On a “₹51K profit.”*

My Gold ETF with similar % returns? I keep 79% of profits. Total cost drag was just ₹1,147 vs ₹27,666 on Digital Gold.

The app never shows you any of this on the main screen.

My questions:

•	Is Digital Gold just a high-margin product designed around financial illiteracy?

•	Is there ANY scenario where it makes sense over Gold ETF?

•	For those already holding — do you eat the 5.5% exit cost now and switch, or just stop buying more?

Would love to hear from people who’ve actually done this math themselves.

Many stocks rallied over 30% during the recent downturn, I missed it because I couldn’t convince myself to catch the bottom. Did you manage to? If yes, I’d love to know how you approached it.

Hii can anybody suggest me is my portfolio worth it or growing or just a loss

I was going through the upcoming India IPO pipeline for 2026 and noticed something interesting: some names look strong on paper, but the valuation and structure could matter a lot more than the hype.

Jio, NSE, SBI Mutual Fund, PhonePe, and Flipkart are all names people keep talking about, but each one has a very different setup. Some are pure OFS, some are delayed, some look expensive, and some may actually be worth watching closely.

I put together a short breakdown comparing the key numbers, red flags, and what stands out in each case. Curious what others here think — which one looks most interesting to you, and which one looks overpriced?

Yesterday it was opened and now closed again....

Don't know what will happen on Monday but this is quite serious.

Open positions are at risk...

Whats your thoughts 💭???

looking for advice

The starting point is 2022 because I started using this broker from that year. Before that i was generating even more Alpha because everybody knows the market was in a rally and every Tom, dick and harry was making money. So it’s better to exclude that returns in a way.

I’m not posting this to flex, which is the reason I’m not including the amount of profits i made and the absolute % of returns. But I am posting this for all the new investors and people who ask how to go about investing at first. (this MIGHT help you guys, but I’m still not an expert to give advices to people because I am still pretty young i feel).

Coming to the portfolio:

My investing style has been very simple. I believe every industry go through some cycles and there always comes a point when the industry is not doing well. I identify businesses who are facing an industry downcycle and struggling, but has a good potential. They might be market leaders, or emerging companies.

What I have observed is during such times, nobody wants to even look at those companies because of the pessimism around them, and that is that I start taking my positions. Many times, I have to wait a lot, no doubt about that, but it’s worth it in the end.

It requires you to have a LOT of patience, and belief in your analysis. You might’ve observed from the chart that my portfolio looks a bit volatile that is because I take concentrated positions and I don’t buy too many companies. It is because value of opportunities don’t lie everywhere and it’s difficult to find companies even in this market to be honest.

So yeah, that’s about it guess. Lemme know if you have any questions:)

Currently holding short positions on Coforge Ltd.

I know the IT sector has been on a strong bullish run for the past couple of weeks, and I’m actually bullish overall too. But in the short term, this move feels a bit stretched.

I’m expecting a possible 4–6% pullback from here. Also keeping an eye on any geopolitical/war-related news this week that could bring volatility and shake markets a bit.

Ofcourse, I could be completely wrong — just sharing my current view and positioning.

Not financial advice. Don’t follow blindly

What do you guys think — healthy pullback incoming or momentum continues?

CMP: ~₹300

Context:
Stock ran parabolic to ~₹350, then corrected ~60% to ₹190. Classic distribution phase post rally.

Despite the fall, ₹200–₹250 demand zone is still intact → not a full trend reversal yet, more like a correction inside a broader bullish structure.

Key Levels:

• Support: ₹200–₹250 (monthly demand)
• Intermediate support: ₹270 (pullback zone)
• Resistance: ₹300–₹310 (current supply)
• Breakout level: ₹320–₹340 (weekly structure shift)

Structure:

• Weekly = no confirmed reversal yet (still recovery phase)
• Bounce ₹190 → ₹295 = imbalance fill, not trend change
• Daily = approaching key resistance (₹300–₹310) → decision zone

Expectation:

• Rejection at ₹300 → pullback toward ₹270
• Break + hold above ₹320 → bullish continuation toward highs

Fundamentals:

• Revenue growth: ~70% YoY (Q3), ~50% 9M → strong acceleration
• Order book ~₹3,900 Cr → multi-year visibility
• IDL Explosives deal → ₹4,000 Cr contract access
• Lifetime defence licence → structural upgrade
• Strong govt tailwinds (domestic defence push)

Risk:

• Extremely high valuation → sensitive to execution delays

Trade Setup:

• Entry: ₹270 (pullback + confirmation)
• Stop Loss: ₹240
• Target: ₹360
• R:R: ~1:3

Check my video for a proper analysis, and let me know what you think of it

https://youtu.be/1O5sqvIR41Q

I am new to investment, only 2 years into the game. Looking for long-term investment (min. 5 year). Current XIRR is 11%.

Can you suggest what to add/remove in the portfolio to achieve XIRR of 17% within 1 year and keep growing from there?

Why does this always happen to the Indian stock market? Why? 😭📉

Every single time there is either bad news or good news, it drops after our market closes. Like, why does the market always get the update a little too late? 🤔

Now the Strait of Hormuz is open, but the news comes after Indian markets are shut. Classic timing. Just classic. 😑

As of now, GIFT Nifty is up 1.58%, and we cannot take a trade, cannot sell, cannot do anything. Meanwhile, Monday is probably going to open with a huge gap-up, and most of us will miss the move again. Then after the gap-up, the market usually goes sideways and gives zero follow-through. Beautiful. Just beautiful. 😭📈➡️📉

Is this some kind of conspiracy against our market? Or is the market just personally targeting us at this point? 😂

What are your thoughts?💭🤔

CMP: ₹2,583

Context
On the monthly, TCS has been in a clear bearish phase since the ₹4,400 top. Every rally through 2025 got sold into — no real bullish structure, indicating institutional exit rather than accumulation.

Now price has dropped into ₹2,350–₹2,580 — a major monthly demand zone (origin of prior move + liquidity below). But this is still counter-trend unless structure shifts.

Key Levels:

• Support: ₹2,350–₹2,580 (monthly demand)
• Resistance: ₹3,100 (weekly supply flip)
• Trigger zone: ₹2,650–₹2,700

Structure:

• Weekly shows a sharp ~30% drop from ₹3,200 → ₹2,346 (liquidity sweep + unwind)
• Currently range-bound between demand and supply
• Daily shows a liquidity sweep at ₹2,346 and early bounce, but no confirmed reversal yet

Expectation:
If price reclaims ₹2,700, next magnet is ₹2,700–₹3,000 (FVG). Until then, this is just a relief rally.

Fundamentals (why this matters):

• Revenue growth weak in constant currency (macro slowdown)
• Deal wins strong (~₹3.4L Cr pipeline) → forward visibility intact
• Margins ~27% OPM (best in sector)
• AI revenue already meaningful (~₹19K Cr)
• Stronger deal pipeline positioning vs peers (Infosys, Wipro, HCL)

Trade Setup:

• Entry: ₹2,700 (break + retest)
• Stop Loss: ₹2,400
• Target: ₹3,600
• R:R: ~1:3

I've attached my in depth analysis as well for anyone confused as to how I got to my analysis.

If you have differing views do let me know as well, that would be appreciated.

https://youtu.be/KjbGv5ehQao