I placed a purchase request for an HSBC mutual fund on Groww on 8th October at 1:53 PM.

However, I was allocated the NAV of 9th October (which was significantly higher).

According to the details, the fund house itself received the request only on the 9th.

This effectively means Groww held my funds for nearly a full day before forwarding the request. That means Groww might have been using my funds for other purposes(a possibility).

As a result, I ended up with a higher NAV and had to bear the loss.

Has anyone else faced a similar issue with Groww (or other platforms) where the order was placed before cutoff but still got the next day’s NAV?

What was the resolution in your case? Did you raise a complaint with Groww / the fund house / SEBI, and did it get resolved?

Would really appreciate any experiences or suggestions. Thanks!

Many took entry at 26K but it took the reverse journey. As a, retail investor, what will be your watchout level?

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Hi everyone,

I am a 32-year-old tech professional looking to streamline my long-term investment strategy. My accumulated Indian Mutual Fund corpus is ~₹77 Lakhs (split into ~₹60.8 Lakhs in Equity MFs and ~₹16.2 Lakhs in Hybrid/Debt/Gold MFs).

My current monthly investment capacity into domestic MFs is ₹3.2 Lakhs/month, which I am scaling up to ₹3.8 Lakhs/month.

While my broader asset allocation is intact, my biggest immediate bottleneck is a bloated, overlapping 11-fund mutual fund portfolio built over years of incremental additions.

Mandatory Context & Investor Profile

• Investment Horizon: Long-term (10+ Years).
• Risk Tolerance / Profile: Moderately Aggressive (comfortable with short-term market volatility and drawdowns, given strong cash flows and defensive buffers).
• Goal: Portfolio consolidation, removing asset overlaps, and optimizing cost/expense ratios for long-term wealth compounding.

Current Mutual Fund Portfolio Breakdown (₹77 Lakhs Corpus | ₹3.2L/Month SIP)

Category	Fund Name	Current Monthly SIP
Large Cap	SBI Large Cap Fund	₹20,000
	ICICI Prudential Bluechip Fund	₹20,000
Large & Mid Cap	ICICI Prudential Large & Mid Cap Fund	₹30,000
Flexi Cap	Parag Parikh Flexi Cap Fund	₹40,000
	HDFC Flexi Cap Fund	₹30,000
Mid Cap	HDFC Mid-Cap Opportunities Fund	₹40,000
	Quant Mid Cap Fund	₹10,000
Small Cap	Canara Robeco Small Cap Fund	₹20,000
	Nippon India Small Cap Fund	₹10,000
Balanced Advantage	HDFC Balanced Advantage Fund	₹30,000
Precious Metals	ICICI Prudential Gold MF	₹50,000
	ICICI Silver ETF FoF	₹20,000
TOTAL	11 Funds	₹3,20,000 / month

The Restructuring Proposal (Scaling SIP to ₹3.8L/Month)

My goal is to prune this down to 6–7 high-conviction core funds for all fresh SIP deployments.

Here is my working thesis:

1. Stop Active Large Caps & Large-and-Mid Caps: Active Large Cap funds struggle to beat benchmarks, and Flexi Cap managers already allocate 50%+ to top blue chips.
2. Consolidate Small Caps: Nippon Small Cap’s AUM is massive (₹55,000+ Cr), making agility difficult. I am considering shifting fresh small-cap flows into 1-2 single, lower-AUM quality fund(or if community has different opinion).
3. Maintain Strong Defensive Tilt: Keep ~25–30% of fresh SIPs in Precious Metals (Gold/Silver) + Balanced Advantage to cushion market volatility over a 2–3 year horizon.
4. Handling Accumulated Units: Leave the existing ~₹77L units untouched in stopped funds so they compound undisturbed without triggering premature LTCG tax.
5. Proposed Monthly SIP Distribution Table:

Category	Proposed Fund / Asset	Proposed Monthly SIP
Flexi Cap	Parag Parikh Flexi Cap Fund	₹60,000
	HDFC Flexi Cap Fund	₹40,000
Mid Cap	HDFC Mid-Cap Opportunities Fund	₹45,000
	Quant Mid Cap Fund	₹15,000
Small Cap	Small Cap Fund (Consolidated / TBD)	₹30,000
Balanced Advantage	HDFC Balanced Advantage Fund	₹40,000
Precious Metals	ICICI Prudential Gold MF	₹50,000
	ICICI Silver ETF FoF	₹20,000
Global Equity	VWRA (via IBKR)	₹50,000
TOTAL		₹3,80,000 / month

Questions for the Community

1. Flexi Caps vs. Index Anchor: Does stopping active large-cap SIPs completely in favor of two complementary Flexi Caps (e.g., PPFC + HDFC) make sense, or should I hold a low-cost Nifty 50 Index fund as an explicit anchor?
2. Managing Mega-AUM Small Caps: How are you handling small-cap funds with massive AUMs? Is it better to stick with established giant funds or move fresh capital into disciplined, smaller-AUM funds?
3. Defensive Allocation: Is allocating ~30% of fresh monthly SIPs into Precious Metals + BAF prudent for downside protection, or is it overly conservative given my existing ₹16.2L in debt/defensive MFs? Context: While I have ₹16.2L in debt/defensive MFs, my overall global net worth (~₹5.1 Crores) is heavily equity-dominated (~72%+ in domestic and foreign equity combined vs. ~28% in fixed income/EPF/FDs). Thus, the higher defensive tilt in fresh SIPs is intended to gradually rebalance the macro portfolio.
4. Cleanup Mechanics: Is letting stopped funds compound undisturbed the standard approach, or do you systematically harvest LTCG up to the annual tax-free limit to consolidate into core funds?

Appreciate all perspectives, critiques, and insights!

This post is not a flex - my returns are very average

This is only to tell everyone that if you're scared and stopping your investments - PLEASE DON'T.

A lot of folks are posting things like 'Nifty - it is done bro'. And I understand the panic and concern, but we are only experiencing'recency bias' - a well-known mistake in investing.

Please stay invested in the market - the best returns come from the periods when everything looks bad.

I have been investing for a very short time period - slightly over 5 years.

I analyze my investment by vintages (built a Python code I run every weekend) - and in my personal view, that is the only correct way of judging your portfolio (by slicing and analyzing)

As you see below - despite the market being 15% down from its high, the returns for all vintages>3yrs look better than the overall picture. Obviously it would be higher had the market grown healthily. Personally, I would only view investment performance if they have been more than 5yrs.

Yes, the last 2-3 years have been flat, but you have to give it time. Let's see where we are when we complete 5 years across vintage.

Time in Market	XIRR
>5yrs	7.9%
4-5yrs	8.7%
3-4yrs	10.4%
2-3yrs	4.4%
1-2yrs	0.1%
0-1yr	-8.2%

Risk Appetite - Aggressive

I have been invested in Canara Robeco Large Cap Fund Direct Growth for 4 years now and I'm losing money in it. I want to use the switch option in Groww to transfer the funds to another Canara Robeco, but can't decide which one. Please help.

https://preview.redd.it/xpgjiwdxawsh1.png?width=987&format=png&auto=webp&s=6c8b28c50098039ee82888b6b273493cfa9f9bb6

I'm a fresh investor as well, took a good 6 months to read about investments and convincing myself that market investments are the best thing salaried folks like me can do to preserve what little wealth we have.

Coming to the most popular yet controversial fund, being discussed back and forth in every mutual fund discussion space regardless of what platform it is. The Paragh Parikh Flexi Cap fund. Its like that spiderman meme, "Everywhere I go, I see his face".

People without understanding the investment philosophy of an AMC, just blindly following the previous returns were complaining that PPFCF was underperforming. Not a day passes by in this sub without atleast one such post. Now that the market is slowly descending from all the FIIs pulling away, and with India achieving a mindblowing 7.8% increase in GDP thanks to the Masterstroke of our lord and saviour, we can see where my investments stand now. A 4% loss compared to 1% loss, which might not sound much considering my total investments, but for people who have lakhs in equity, a single % may be a huge sum.

Mind you, I only have around 50k invested, sounds like nothing much, but its a whole months salary for me. I put my trust in the market, and I understood that someday I have to face a downwards facing red arrow, and in no time, we have arrived at this point. Now this is where the PPFCF is shining. See the % loss of the other funds and the PPFCF. This is where the value philosophy of Mr. Rajeev Thakkar and the late Mr. Parag Parikh starts to shine.

So if you have any idea to stay longer in the market, stop chasing the shiny new funds that delivers high today and drops to the lowest tomorrow, like a true long term investor, go by the fund house's philosphy, or just dump all your corpus in nifty and call it a day. Some day or the other, it will recover, and if it doesn't, then there is nothing much you can really do, if the entire country isn't performing well economically. Any amount of profit you have will be worthless, if the underlying currency in which you're investing becomes worthless.

Peace!