As India\u2019s economy deepens and investor participation widens, the financial landscape is shifting rapidly. Akhil Chaturvedi, Executive Director and Chief Business Officer at Motilal Oswal Asset Management Company AMC, believes the time has come to move beyond a one size fits all investment approach.<\/p>\n\n\n\n
In an insightful interview with veteran finance journalist Vivek Law on the Simple Hai Show recently, he told Law, \u201cMutual funds are a fantastic entry point for new investors, but as wealth grows, the need for differentiated, higher alpha products becomes more pressing.\u201d That\u2019s where offerings like PMS Portfolio Management Services, AIFs Alternative Investment Funds, and now SIFs Special Investment Funds enter the picture.<\/p>\n\n\n\n
Chaturvedi told Law he believes that India\u2019s rising investor base demands a more layered ecosystem. \u201cA \u20b910 lakh investor and a \u20b910 crore investor can\u2019t be treated the same,\u201d he said. \u201cThey require different strategies, risk profiles, and expectations.\u201d<\/p>\n\n\n\n
India\u2019s financial evolution has necessitated a stack of investment products, each tailored to specific wealth levels, goals, and risk appetites.<\/p>\n\n\n\n
Mutual Funds: Ideal for retail investors starting out, offering diversification and simplicity.<\/p>\n\n\n\n
PMS: Starting at \u20b950 lakh, these allow for concentrated, high conviction strategies managed with greater flexibility.<\/p>\n\n\n\n
AIFs: Entry at \u20b91 crore, these open up access to long short strategies, private credit, unlisted equity, and thematic plays.<\/p>\n\n\n\n
SIFs: Recently approved by SEBI with a lower \u20b910 lakh ticket size, these serve the semi affluent investor with curated strategies that bridge the gap between mutual funds and PMS.<\/p>\n\n\n\n
\u201cOver the next 10 years, SIFs could become as big as PMS or AIFs,\u201d Chaturvedi added. \u201cThey offer the flexibility and focus today\u2019s investors are looking for.\u201d<\/p>\n\n\n\n
Motilal Oswal AMC is known for high conviction products built on long term macro and micro narratives. Chaturvedi mentioned a standout example, the Next Trillion Dollar Opportunity NTDOP fund, launched in 2007 when India\u2019s GDP crossed $1 trillion. The premise was to ride the next phase of economic expansion. Today, the fund\u2019s NAV has grown 11 times since inception, vindicating its strategy.<\/p>\n\n\n\n
Another is the Founders Fund, he said, which focuses on founder led companies and businesses with strong skin in the game. \u201cIndia\u2019s growth is still largely founder driven,\u201d Chaturvedi said. \u201cThese are the companies that build value with a long term mindset.\u201d<\/p>\n\n\n\n
He also highlighted thematic PMS offerings such as Business Opportunities, Focused 30, and Midcap 30, each built on distinct narratives and sectoral lenses.<\/p>\n\n\n\n
India\u2019s mutual fund investor base has exploded in recent years, rising from 2.5 crore to over 5 crore accounts in under five years. SIP inflows have hit record levels, and more than 70 percent of new accounts are now coming from Tier 2 and Tier 3 cities. This surge, Chaturvedi said, reflects a deepening financialisation of savings and growing comfort with equity markets among India\u2019s emerging middle class. \u201cEarlier, people saw equity as risky or speculative. Today, there\u2019s trust in the system, driven by regulation, transparency, and awareness.\u201d<\/p>\n\n\n\n
Chaturvedi said he estimates that for every 1 percent shift in household savings toward capital markets, nearly \u20b910 lakh crore could flow in. \u201cEven if we move from 5 percent to 10 percent of household savings in equities, that\u2019s a transformational \u20b950 lakh crore shift.\u201d<\/p>\n\n\n\n
In a country where fixed deposits and real estate have historically dominated portfolios, this transition marks a tectonic cultural and generational change.<\/p>\n\n\n\n
Chaturvedi offered a simple roadmap for those starting out:<\/p>\n\n\n\n
Begin with actively managed large cap or flexi cap mutual funds.<\/p>\n\n\n\n
Add exposure to index funds, such as the Nifty 500.<\/p>\n\n\n\n
Use SIPs for consistency and discipline.<\/p>\n\n\n\n
He cautioned against chasing short term fads or market noise. \u201cIndia is a structural story. You don\u2019t need to overcomplicate it. Stay invested and think long term.\u201d<\/p>\n\n\n\n
With foreign investor ownership in Indian markets dropping from 23 percent to around 18 percent, domestic players are increasingly becoming market makers. At the same time, India\u2019s MSCI Emerging Markets Index weight has risen from 7 percent to over 22 percent, a testament to growing global confidence.<\/p>\n\n\n\n
\u201cMacro stability, fiscal prudence, and demographic strength are all working in our favor,\u201d said Chaturvedi. \u201cThe India story is resonating not just at home, but globally.\u201d<\/p>\n\n\n\n
Chaturvedi, who has spent over 20 years at Motilal Oswal, sees strong parallels between long term investing and long term careers.<\/p>\n\n\n\n
\u201cBoth require patience, learning, and resilience. You won\u2019t win every quarter, but if you stay the course and build conviction, the compounding adds up.\u201d<\/p>\n\n\n\n
He recalled the global financial crisis of 2008 as a turning point. \u201cIt taught me that reacting emotionally doesn\u2019t help. You need a framework, and you need to trust it, especially when markets are volatile.\u201d<\/p>\n\n\n\n
As India\u2019s economy grows, so too must its investment infrastructure. Chaturvedi is optimistic about the future of PMS, AIFs, and SIFs as tools that can serve an increasingly sophisticated investor base.<\/p>\n\n\n\n
\u201cThe layers of India\u2019s financial ecosystem are finally starting to stack up, across income brackets, geographies, and aspirations. Our job now is to build the right products for the right investors at the right time.\u201d<\/p>\n\n\n\n
For India\u2019s fast growing investor class, Akhil Chaturvedi\u2019s advice is clear: Stay the course, trust the structure, and embrace the multi layered journey of wealth creation.<\/p>\n","protected":false},"excerpt":{"rendered":"
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