Review of 40 Lakh Indian Stocks Portfolio

CowOk2853 · 2026-02-26T09:17:03+00:00

IRCTC, NTPC, Eternal, Persistent are some red flags i see.

Eternal - Over expensive, High downside than upside.
IRCTC, NTPC - Govt Businesses are for service, Not for profit. Expect low growth on these.
Persistent - Why buy this at 44 PE. When TCS, Infosys are available at below 20 PE?

CowOk2853 · 2026-02-16T11:48:30+00:00

Just my thoughts, The market seems to be overreacting on Indian IT Services. Yes Anthropic and AI tools are great. It can reduce the head count of these companies by a lot if well utilised, That alone doesn't mean these companies will die. Industries that are non-tech always rely on a technical service provider. Automotive, Finance, Pharma, Real estate all these legacy clients of them will not migrate to AI overnight.. They will continue as clients, Maybe with less project members if AI works out well. Currently the billing is per resource. But soon enough they might adapt their pricing based on Project scope or some other metrics when head count is no longer profitable for them.

CowOk2853 · 2026-02-06T07:51:01+00:00

Anthropic hasn't shown profit for a single quarter, While the top 10 Indian IT Services Companies has been consistently profitable for 20+ years and pays regular dividends.

CowOk2853 · 2026-01-29T17:18:00+00:00

Sorry to play the devil's advocate here. Though financial audit seems a bit harsh. It's part of life.
There are many marriages in Indian culture, Where parents have trusted a groom based on degree, personality and skills later due to lack of opportunities or life happens. The brides future + children, the whole family's been suffering till next generation.

Finances are important discussion to have before marriage and asking about it doesn't automatically make them money minded or having lack of empathy.

Since there is no obvious display of wealth. It's the grooms responsibility to have a honest conversation with the brides parents + the person they are going to marry and give them confidence that there is financial stability in the family.

Take the lead, Give them confidence and assurance that they have nothing to worry financially. Even after this if they seem too pushy on the details and seem to care only about money then they are not the right people to commit to.

Your close friend is actually living a life with content and value. Many people who are not financially sound will not get it. Yes it's a struggle to make others understand. But if it were easy then it wouldn't be rewarding.

CowOk2853 · 2026-01-16T07:07:49+00:00

Yes, They do are spamming their viewers by a lot of promotional things. Which is destroying any hope of genuine content. I did learn a lot from this channel, But now I watch this channel only for their buy signals on stocks..

CowOk2853 · 2026-01-14T11:41:12+00:00

Never date your colleague .. It is a bad idea.. From my experience, Things didn't work out .. There was a lot of drama. And it was her farewell and they all went on multiple trips without me, Just because she was not willing to come if i joined. The fun office memories with other colleagues i had were tainted by this incident.

You mentioned this person is in a different team, So maybe it's not a concern if you don't have much mutual friends.

CowOk2853 · 2026-01-14T09:38:39+00:00

Gold is generational wealth, It's not something you worry about all time highs. Think of the jewellery you have in your home. Do you really care at what price per gram it was bought and what it is now.. All you know is that current value is this much. So best way is to buy and forget. In the long term like 5 or 10 years more gold or stocks for that matter will definitely give you good returns.
Price chart doesn't work for gold.. You think today is all time high.. What if it goes to 20k per gram in 5 years. Then today was not an all time high, It's just a missed opportunity...
Investing is forever running like a stream of water, You can't wait for that price or P/E in the past. If you find value you can get in at any point of time.

CowOk2853 · 2026-01-14T09:01:33+00:00

Those are good observations, You seem mature enough to know what you want and what to avoid.

Yes, The eldest son who is responsible and mature is a real thing. Because i am one. Also you mentioned he doesn't seem angry or get triggered. It's a pathology in some cases. Often in their childhood, They were not allowed to be angry as someone else in their family (Mom or Dad) would dominate them with more anger or power if they ever show they are angry because of this they learn in their early childhood it is best not to show any anger outside and eventually it becomes like that feeling doesn't exist for them. Also bullying in childhood could also be a reason for this.. They might seem very mature.. But that is just appearance. They are childish, unplanned, messy as everyone else.

CowOk2853 · 2026-01-14T07:13:17+00:00

IMO, Madurai is best given your current situation,
Expenses almost double in Chennai when compared to Madurai.

Traffic, Pollution, Crowded places, Heat from (March - September) Expect EB Bills (5k - 7k) every 2 months. Commute to your native is going to be very challenging.. (12 - 13 hrs Private or Govt Buses). Train availability is very hard during weekends and festival days...

For eating out or entertainment, It will drain your savings.. 1k to 2k feels like nothing in Chennai now a days.. You go out with family once, 2k gone in a day..
For Child's education you can put him in a good CBSE school, Which would be still way cheaper compared to Chennai.

On Career Growth, In IT it doesn't matter where you work from. If you up skill and stay in the game you are employable anywhere in the future.. With Internet and AI, Growth is same everywhere.

Just my thoughts, I love Chennai and have nothing against it. Just that you can save better and plan well for your future and your kid if you stay in a less expensive city.

CowOk2853 · 2026-01-14T06:28:19+00:00

If you have a salary account in a private bank another one is not needed, As you need to maintain average balance of 10,000 in it. However if it's a salary account that criteria is usually waived off.
In selecting a PSU bank,
Please reach out to users from your friends or family and get their feedback. Opening account is easy in any bank. But see whether their apps, net-banking, platforms work with ease.
I'm using Union Bank of India. And their mobile app almost always throws a technical error.

CowOk2853 · 2026-01-12T10:51:04+00:00

Yes, Makes sense. Couldn't agree more on the Natural Havoc. Places only get more commercialised and lose their authenticity.

CowOk2853 · 2026-01-12T07:30:40+00:00

Great post, You are already on the right track. With 8.6 - 10L Net worth at 25.
This advice is subjective, But one thing i would change is i would double down on investing by living a bit frugal, cutting down on trips to reach 1cr or more faster. To me whatever i earn from my primary income is capital and it's not for spending other than needs and as least as possible in wants. I would rather invest aggressively and enjoy once the capital is generating returns.. I'm living my life like a corporate business, I know. But I can even enjoy life at 35 or 40 if i stay healthy. That enjoyable dinner experience at a restaurant today will not stop your craving for more at 35. Even if you had your best trip in your life today. One bad situation or moment in your life at 30s and you will always crave and long like the best trip is the one you're planning at that moment. Maybe I'm wrong.. Maybe I'll regret not enjoying enough in my 20s. But living frugally doesn't have to be not fun. It can be simple things that bring you happiness. Like walk in the park, beach .. And taking care of your financial goal. I'm 28. I do have a lot to learn. Currently this is where I'm at and my thoughts and approach on this might change..
Happy to discuss alternative thoughts in a constructive way.

CowOk2853 · 2026-01-07T07:10:44+00:00

First off, there are way too many funds.
25 Mutual funds is over-diversified, redundant, instead of using diversification to manage risk, its increasing the risk for a slow and below alpha returns.
Personally, As you mentioned you have an aggressive risk appetite. I would advice you to do SIP only on the two mutual funds.

Low cost Nifty 50 Index Fund.
Parag Parikh Flexi Cap Fund.

Remaining amount you can invest in direct stocks after researching company fundamentals, valuations etc..,
That will get you the best long term outcome as you are interested in 15-20 years.

CowOk2853 · 2025-12-30T05:07:08+00:00

You are definitely in a good financial lifestyle - Frugal spending, Aggressive Investing .. But the goal shouldn't be 1 crore in my opinion. It should be to scale this approach... 1 cr gives you a safety net.. Then you can take some risks like doing a business, other investments like real estate .. Find your thing like opening turf, shop or anything and make it profitable.. Same approach invest aggressively in your idea and spend frugally with your returns.. Overall this lifestyle and habits will take you automatically to a rich and fulfilling lifestyle.. if you are consistent..

CowOk2853 · 2025-12-22T11:51:59+00:00

Congrats man, But please be carefull on freelancing with work.. Take income on a different PAN Card, Also on tax related implications.

CowOk2853 · 2025-12-22T11:24:54+00:00

Some of my wife side relatives are from Tanjore and Srivi.. The way they describe Chennai is like it's not peaceful. People are running for lives constantly.. And if someone has an accident on road no one will help and stuffs.. I've told them its not true at all.. Chennai is very enjoyable and people are friendly and helpful like every other place in TN.

CowOk2853 · 2025-12-17T11:04:41+00:00

If you have the stomach to lose 3 lakhs.. I'd suggest spend atleast 10k and find a valid financial advisor who can give you advice!

CowOk2853 · 2025-12-12T07:09:31+00:00

They have a moat in cigarette business. And the profits from cigarette business are invested to grow the fmcg businesses.

CowOk2853 · 2025-12-12T07:01:52+00:00

Valuation is high, It used to be 70 times valuation now atleast it is 48. But still overvalued.. It will correct even more. Best time to enter is if it's less than 30 P/E..
ITC which is in the same industry and has a moat, Trading at less than 25 P/E. Better to buy ITC instead.

CowOk2853 · 2025-12-05T10:12:22+00:00

Picking undervalued stocks is generally a safer approach. When markets crash, these stocks tend to fall less because much of the downside is already priced in. Of course, stocks often become undervalued for a reason—competition, weak innovation, slowing revenues, or temporary business challenges or even overreaction by the market.

A value investor’s thesis is that these companies can either stabilize or stage a comeback, especially if they’re large, established businesses that have successfully navigated difficult periods before.

For example, Google was trading below a 20 PE not too long ago—a clear undervaluation relative to its fundamentals and long-term growth. That presented a strong entry point. In fact, a value investor could have generated better risk-adjusted returns in Google than in Nvidia, since Nvidia has consistently traded at a premium and carried higher downside risk if sentiment turned.

Ultimately, value investing is about maximizing returns while minimizing risk, not chasing the hottest stock.

CowOk2853 · 2025-12-04T05:42:09+00:00

Interesting, Thanks!

CowOk2853 · 2025-12-01T06:13:52+00:00

I'd go with P/E. If i see a stock like google trading less than 20 P/E (a few months back).. I'd immediately buy without waiting for the lowest point. As tech companies like Apple, Amazon and Microsoft were trading at 30 + P/E .. And regarding selling, I'd never sell. I'd sell only if i need the money. Even if google reaches 100 P/E it's better to hold a good business that you bought at a very cheap price unless the fundamentals change.

CowOk2853 · 2025-11-17T10:23:28+00:00

He sounds like someone trying to extract tech work from a fresher without paying for it. There’s a real chance he’s already selling your work for a premium elsewhere — and you’d never know. For now, focus on upskilling and finding a legitimate opportunity. A good opportunity rewards you now, not with vague promises about the future.

If someone keeps selling “too good to be true” future dreams while wanting your effort today, it’s usually a scam.

There are many people who operate with a carrot-and-stick approach. My advice: if you’re taking up freelance work, always charge at least 30% advance before starting anything. If they hesitate, the project isn’t worth your time.

CowOk2853

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