Multi Asset Allocation

Investment Proposal
Balancing Risk and Return Through Secure Investments
Company Overview
One of the leading financial conglomerates with over a decade’s expertise providing tech – led services Financial Growth
4

Snapshot
Business Footprint & Expertise (CAGR FY 21-25)

Branch Offices Project Offices Clientele In-House Tech Experts Business Associates
192 51 1.3 Mn+ 245+ 53k+ 52%
Revenue

Our Diversified Financial Offerings

Stock
Broking
Wealth
Products
Insurance
Distribution
Govt.
Advisory
MSME
Lending
Investment
Banking
70%
EBITDA

Core Competencies
PAN India
Presence
Priority Sector
Landing
Govt. Tech Fintech
Ecosystem
Instituional & Retail 77%
Partnerships Operations Research Desk PAT
Investment Process
Streamlined Investment Process: Guiding You Every Step of the Way to Success

04

Portfolio
Construction
And Review

03 Investment Selection

02 Risk Assessment

01 Goal Identification
Research Methodology
Scheme Selection: Key Criteria and Methodology for Optimal Investment Choices
4

We prioritize providers with a clear, disciplined investment

Investment Philosophy philosophy that aligns with our clients' goals. By focusing on
strategies rooted in long-term value creation and risk
management

With deep knowledge in portfolio analysis and market trends,

Quality & Expertise of our team ensures that we choose providers whose
strategies align with our clients' goals, offering options that are
Research Team both performance-driven and resilient.

We evaluate options based on the performance attribution of both the

Performance Attribution portfolio and the fund manager. We ensure that selected providers
consistently demonstrate strong, reliable results and effective
of Portfolio management strategies that align with client objectives.

Risk management is central to our selection process. We carefully assess

each provider's approach to managing market, credit, and liquidity risks
Risk Management to ensure robust, well-rounded strategies. By prioritizing risk controls, we aim
to offer clients portfolios that balance growth potential with stability

Our Portfolio X-Ray evaluates each for alpha creation and rolling return
consistency. This analysis ensures that portfolios deliver strong, reliable returns
Portfolio X - Ray across market cycles, aligning with clients’ growth goals. By examining these factors,
we ensure that each portfolio maintains reliability over time
Multi Asset Allocation

Investment
Proposal
Key Observations &
Recommendations
Choice Suggest

Mutual Fund
Balancing Risk and Return Through Secure Investments
Mutual Fund Lumpsum Amount – Rs. 5,00,00,000

SCHEME NAME CATEGORY AMOUNT 1 YR CAGR 3 YR CAGR 5 YR CAGR

Nippon India Growth Mid Cap Fund Mid Cap ₹ 1,00,00,000 3.46 25.07 29.83

ICICI Prudential India Opportunities Fund Thematic ₹ 75,00,000 3.61 23.2 30.34

HDFC Flexi Cap Fund Flexi Cap ₹ 75,00,000 7.65 22.69 28.18

Axis Multi Cap Fund Multi Cap ₹ 75,00,000 4.52 21.71 NA

HDFC Mid Cap Fund Mid Cap ₹ 75,00,000 3.40 26.6 29.98

Bandhan Small Cap Fund Small Cap ₹ 1,00,00,000 4.86 30.04 32.77

₹ 5,00,00,000

Large Cap
Trailing Returns 1 Yr 3 Yr 5 Yr Smal
33.21
l Cap
13%
Portfolio Gross Return 2.04 25.75 30.39
Historical
Return Benchmark Return -2.08 16.88 21.64
Mid
Cap
Alpha Creation 4.12 8.87 8.75 52%
Market Cap Allocation (%)
Scheme Selection Criteria
SCHEME NAME ABOUT MEAN RETURN SORTINO BETA ALPHA
Action
The scheme seeks to generate long-term capital appreciation by
investing in opportunities presented by special situations such as
corporate restructuring, Government policy and/or regulatory changes,
companies going through temporary unique challenges and other 22.82%, 2.72 0.82 8.12%
similar instances.

The scheme seeks to provide long-term capital appreciation/income by

investing predominantly in Mid-Cap companies. 25.65% 1.96 0.85 -

The scheme seeks to generate capital appreciation / income from a

portfolio, predominantly invested in equity & equity related
instruments. 21.83% 2.41 0.81 -

The scheme seeks to generate long term capital appreciation by

investing in a diversified
portfolio of equity and equity related instruments across market 21.71% 1.42 0.89 3.29%
capitalization.

The Scheme seeks to generate long term capital appreciation by

investing predominantly in equities and equity linked securities of small
cap segment. 29.25% -- 0.90 -

The scheme aims at long term growth of capital through research based
investment approach. The funds will be invested in Equity and equity
related instruments ,and there will be an exposure to debt and money 24.95% 1.74 0.96 -
market instruments also.
Choice Suggest

Portfolio Management Services

Balancing Risk and Return Through Secure Investments
 CARNELIAN SHIFT STRATEGY P M S
M ID A N D S M AL L C A P (USP) W H Y W E SHOULD INVEST?
Carnelian Shift Strategy PMS is a concentrated QGARP portfolio targeting structural shifts in manufacturing
a n d technology. It focuses o n mid & small-c a p co mpa nies with high growth potential, aiming for lo ng -term
wealth creation. The strategy blends M a g i c (accelerated growth) & C o m p o u n d e r (sustainable growth) stocks. Strong Grow th Potential &
Since inception in October 2020, it h a s delivered a CAGR of 36%, significantly outperforming the benchmark. Proven Performance
INVESTMENT PHILOSOPHY
F ocuses o n structural deca da l shifts, capitalizing
o n emerg ing opportunities in manufacturing a nd
FUND DETAILS
Strategy Mid and Small Cap
1 Targets structural shifts in manufacturing a n d
technology, investing in mid & sma ll-c a p
c o m p a n i e s with niche expertise. Delivered a
CAGR of 3 6 % since inception (Oct 2020),
technology, driven by favorable regulations a nd significantly outperforming market indices
global trends. Minimum Ticket Size ₹ 50 Lakhs using fundamental a n d quantitative analysis.
Implements a QGARP (Quality Growth at a
Reasona ble Price) approach, investing in mid &
sma ll- c a p c o m pa n ie s with strong fundamentals, Exit Load
Between 0 and 12 months from Unique & Disciplined Investment

2
investment date: 1%
niche expertise, a n d high growth potential.
Approach
Maintains a concentrated portfolio of 2 0 - 25
Implements the QGARP (Quality Growth at
stocks, ensuring a ba la nce of h i g h - growth
Fees Structure Fixed Fee: 2.50% P.A. Reasonable Price) methodology, balancing
opportunities and risk ma na gement,
valuation a n d growth prospects. Uses a factor-
benchma rked a g a inst the BSE 5 0 0 TRI. b a s e d selection process, integrating earnings
momentum, valuation metrics, a n d risk-
FUND M A N A GER S Inception Date: 06 Oct 2020 adjusted returns.

V I K A S KHEMANI
Expert M a na g em ent & Risk
Current AUM ₹4,163.77 Cr

3
( 27 YEARS+)
Employs the CLEAR forensic framework to filter
MAN O J BAHETY financially strong companies and avoid
( 26 YEARS+)
governance risks. Portfolio construction
SWATI KHEMANI optimizes beta, Sharpe ratio (2.4), and standard
( 23 YEARS+)
deviation (14.6) for superior riskadjusted
performance.
Da t a a s on June 30, 2025
 ABSL SELECT SECTOR PORTFOLIO (PMS)
HISTORICAL PERFORMANCE Risk Analysis (3 Years) Sector Classification
Select Sector BSE 500 TRI
40% Standard Deviation 15.36
Financial 20.01%
30% Sharp Ratio 1.65

Capital Goods 16.86%

20%
36.4%
Beta 0.91
34.1% 32.4%
31.2%

10% 20.9% R-Square 0.66

18.0%
15.0% Automobile 11.23%
7.2%
0% Treynor 27.72
1 Year 3 Years 5 Years Since Inception
IT 9.76%
Alpha 11.42
SECTOR ALLOCATION
Large Cap Information 7.38 Chemicals 8.87%
8%
Cash
7.6% Up Capture Ratio 113.16
TOP-5 S T O C K S
Down Capture Ratio 49.92 BSE Ltd. - 9.96
Persistent Sys tem s Ltd-6.18
Mid Cap
52.8% Tracking Error 14.79 Hitachi Energy India Ltd-5.59
Small Cap Deepak Fertilisers &
Benchmark Used for
31.6%
S&P BSE 500 TRI Petrochemicals Corp Ltd-5.34
Calculation
Lumax Industries Ltd-4.05
Da t a a s on June 30, 2025
Di s c laimer - I n v e s t m e n t s i n PMS a r e s u b j e c t t o m a r k e t ri s k s ; p a s t p e r f o r m a n c e i s n o t i n d i c a t i v e o f f u t u r e ret urns .
Choice Suggest

Alternative Investment Fund

Balancing Risk and Return Through Secure Investments
BHARAT VALUE FUND : SERIES 4 (AIF)
FUND DETAILS OUR SERVICES
Category of Fund Category II AIF (Close Ended) Due Diligence Risk
Up To ₹4000Cr (Corpus of Intelligence
Fund Size ₹ 3000Cr+ Green shoe of up to ₹ 1000Cr) Vendor Assessment
5.5 Years from the first close subject to Investment Evaluation
Term extension as permitted under regulations Competition The Wealth
2.00% p.a Fixed, Hurdle Rate-15 %, Benchmarking Company
Management Fees
Carried Interest- 20 % ( Pantomath Group)
Minimum Ticket Size 1 Crore IDENTIFYING RIGHT OPPORTUNITY C A N V A S

PAST SERIES DETAILS Invests in high- growth, scalable businesses with strong
Drawdown Minimum Ticket
promoter backing, financial stability, and positive cash
Series Type Inception Date Multiple on
Completed size Invested flows.
Capital
Focuses on sectors aligned with India's economic growth,
April 1, including manufacturing, consumer goods, and impact
Series 1 2022 100% 1 Cr 2.6x
investing.
July 1, Targets IPO-ready companies with ₹100-800 crore
Series 2 90% 1 Cr 1.3x
2024 revenue, aiming for an exit within three years.
MADHU LUNAWAT CA NISHANT KHANOLKAR
20 Years + 20 Years +
(CIO) President
Choice Suggest

Bonds – Fixed Income

Balancing Risk and Return Through Secure Investments
Bonds
Smart Investment Opportunity – Earn Monthly Income + Build Wealth!
Action

OPTION 1 Fixed Income

Investment Value 5,00,00,000
❑ Invest in AAA Rated Bonds
Coupon rate 6.00%
❑ Earn 6-7% interest (Paid Monthly or Quarterly)
❑ Backed by extremely low probability of Yearly Interest 30,00,000
default and Very Low Liquidity Risk. Quarterly Interest 7,50,000
Monthly Interest 2,50,000

OPTION 2 Fixed Income

Investment Value 5,00,00,000
❑ Invest in AA Rated Bonds
Coupon rate 9.00%
❑ Earn 7-9% interest (Paid Monthly or Quarterly) Yearly Interest 45,00,000

❑ Backed by Low Credit Risk and Decent Quarterly Interest 11,25,000

Liquidity Monthly Interest 3,75,000
Choice Suggest

Alternate Investments
Balancing Risk and Return Through Secure Investments
 Alternate Investments
Option 1 : SIP of Interest Income of 9% on Bonds

Mutual Fund Scheme Name Category Amount

ICICI Prudential large & Mid Cap Fund Large & Mid Cap ₹ 75,000
SIP Amount 3,75,000
Nippon India Growth Mid Cap Fund Mid Cap ₹ 75,000
SIP Installments 180 HDFC Flexi Cap Fund Flexi Cap ₹ 75,000
Bandhan Small Cap Fund Small Cap ₹ 75,000
Expected CAGR 14%
ICICI Prudential India Opportunities Fund Thematic ₹ 75,000
Expected Future Value 22,98,00,000 ₹ 3,75,000

Option 2 : SIP of Interest Income of 6% on Bonds

Mutual Fund Scheme Name Category Amount

ICICI Prudential large & Mid Cap Fund Large & Mid Cap ₹ 50,000
SIP Amount 2,50,000 Nippon India Growth Mid Cap Fund Mid Cap ₹ 50,000
SIP Installments 180 HDFC Flexi Cap Fund Flexi Cap ₹ 50,000
Expected CAGR 14% Bandhan Small Cap Fund Small Cap ₹ 50,000
ICICI Prudential India Opportunities Fund Thematic ₹ 50,000
Expected Future Value 15,32,00,000 ₹ 2,50,000

Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing.
PRODUCT FLEET
Diversified Investment Opportunities
Beyond Traditional Markets
Fixed Income Mutual Funds
Offers a reliable stream of Provides diversification, and professional
income with lower risk. management to a wide range of assets.

MLD & Structured Products PMS & AIF

Fixed - income returns tied to market Tailored investment strategies and access to
performance, higher potential returns. alternative assets for high-net-worth individuals.

Estate Planning Loans Against Mutual Funds

Asset allocation and wealth transfer strategies to Holding mutual fund as collateral, offering
ensure financial security and legacy preservation liquidity without liquidating assets.
Our Investment Proposition
Our Investment Proposition: Tailored Strategies for Sustainable Growth and Success

Monitoring and Rebalancing

Make Proposals and Communication

(In-depth Discussion with the Client)

Derive Asset Allocation Strategies

with Suitable Products

Understanding Investors Profile

& Goal Objective