Why India Is Quietly Preparing for Its Next Big Leap
(By CFP® Taresh Bhatia — Founder, The Richness Academy)
INTRODUCTION: WHAT I SAW THIS NOVEMBER
This November felt different.
I remember sitting at my study table the day after Diwali, the gentle aroma of incense still lingering in the air, as I opened the monthly economic outlook. These months after the festival season are always special to me. They carry a unique stillness — a reflective pause where we gather ourselves after celebrations and step back into the rhythm of life.
But this year, when I looked at the numbers, the stories behind those numbers, and the emotions behind those stories… something became very clear:
India is quietly preparing for its next big leap.
And if you’re a mutual fund investor — whether you’re a working professional, an entrepreneur, a couple planning your future, or someone stepping into retirement — you must understand what’s happening right now.
Because 2025 is not an ordinary year.
And 2026 will not be an ordinary year either.
This blog is my attempt to bring clarity.
Clarity without jargon.
Clarity without fear.
Clarity that helps you take action.
Let me take you through the world, then through India, then deep into what it means for your wealth.
THE WORLD IS SLOWING DOWN, BUT NOT STOPPING
As I scanned the global section of the outlook, a pattern immediately emerged.
1️⃣ Inflation has come down worldwide.
Prices are no longer rising dramatically. Countries are breathing a bit easier.
2️⃣ But governments globally are drowning in debt.
The U.S. alone is past $37 trillion. Europe’s deficits are widening.
When you run your household on loans, you feel the pressure.
Countries are no different.
3️⃣ China is struggling.
Not collapsing… but clearly slowing.
Too much manufacturing, too little consumption.
Too much capacity, too few buyers.
Its exports are shifting — less to the U.S., more to India and Europe.
4️⃣ The U.S. is growing — but because of AI spending.
Nvidia, OpenAI, data centers, chips, servers…
AI investments are powering their GDP.
But regular households still feel wage pressure.
5️⃣ Central banks have cut rates 168 times in 12 months.
Think about that.
The world is easing, cooling, adjusting.
The conclusion is simple:
The world is not in crisis — but it is slowing down.
And whenever the world slows down, India looks even brighter.
INDIA: THE SURPRISE HERO OF 2025
If you ask me what the biggest confidence-booster was this November, it was one number:
**💥 ₹6.05 trillion in festive sales.
The highest in Indian history.**
People bought homes.
People bought cars.
People bought phones.
People travelled.
People celebrated.
Consumption — the heartbeat of any stable economy — is strong.
India’s manufacturing activity hit a PMI of 59.2.
Anything over 50 means expansion.
59.2 means confidence.
GST collections remain ~1.89 lakh crore per month.
Stable. Predictable. Consistent.
Credit growth is rising again.
Small businesses, consumers, and rural India are borrowing to grow.
Oil prices have softened.
This is a blessing for our forex, companies, and your mutual funds.
Exports are shifting away from the U.S. toward the rest of the world.
India is diversifying — and that’s powerful.
I felt proud reading these numbers.
Not proud as a planner — but proud as an Indian.
“CLIENT STORIES” THAT MAKE THE DATA REAL
Numbers only make sense when they touch real lives.
Let me share three real-world stories (names changed).
⭐ STORY 1: Rajesh & Neha — Mid-career, married, two children
Rajesh called me and said:
“Taresh, the market is so high… should I stop my SIP?”
I showed him a simple chart — not of the Nifty, not of PE ratios, but of his own SIP journey.
In the last 10 years, his SIPs during volatile years gave him the best long-term returns.
Then I told him:
“India’s economy is strong. The world is slowing.
This is the best time to continue investing — not stop.”
He understood.
He stayed invested.
He increased his SIP by 20%.
⭐ STORY 2: Sweta — 32-year-old single working woman
Sweta asked:
“Should I put more into debt now?
The markets feel overheated.”
I told her:
“Yes, it is a good time to balance your portfolio —
not because the market is high, but because your goals need stability.”
We shifted 10% to debt.
Not because of fear, but because of strategy.
⭐ STORY 3: Dinesh — nearing retirement
Dinesh was worried:
“If global markets slow, will my retirement corpus be safe?”
I told him:
“In India, corrections are opportunities.
And you must have a plan — buckets, allocation, safety.”
We didn’t reduce equity.
We increased safety.
We created a second income stream.
His relief was visible.
WHAT’S HAPPENING IN THE INDIAN STOCK MARKET?
1️⃣ Market Cap to GDP is at an all-time high.
Yes — valuations are high.
But India’s growth story supports it.
2️⃣ Large Caps look stable.
Mid & small caps look expensive.
3️⃣ Earnings are growing moderately (6–8%).
This is healthy, not extraordinary.
4️⃣ DIIs (Indian investors) are buying heavily — FIIs are selling.
This is a huge shift.
India is becoming a retail-driven market.
5️⃣ Volatility will rise.
Because valuations are elevated and global uncertainty is real.
But remember:
Corrections are not reversals.
Corrections are opportunities.
DEBT AND GOLD: SILENT OPPORTUNITIES
Debt funds look attractive.
Yields are high now, but will fall once rate cuts begin in 2026.
Locking in today’s yields through:
- Short term debt
- Dynamic bond
- Target maturity
can be a smart move.
Gold & Silver remain stable.
Not for growth — but for safety.
Keep 10%–12% allocation if your goals allow.
WHAT SHOULD YOU DO NOW? (THE ACTION PLAN)
This is the part my clients love.
Clear, sharp, practical.
1️⃣ Continue your SIPs — don’t stop.
Stopping a SIP during volatility is like stopping oxygen when you’re running.
2️⃣ Prefer large-cap and flexicap funds for new investments.
Mid & small caps are overheated.
3️⃣ Review your asset allocation.
Ask one question:
“Does my allocation match my goals?”
4️⃣ Add some debt exposure.
Not out of fear — but out of strategy.
5️⃣ Keep 10% in gold for stability.
6️⃣ If you have a lump sum, use STP.
Slowly shift into equity over 6–12 months.
7️⃣ Book your ₹99 Financial Planning Masterclass.
Because knowledge is your biggest edge.
👉 Join here: https://tinyurl.com/TB-TFPMC
MY MESSAGE TO YOU
As a CFP® with 37+ years in financial planning, I’ve seen four cycles of fear, hope, greed, and confusion.
Nothing surprises me now — but everything teaches me something new.
This year taught me:
India is no longer reacting to global trends.
India is shaping them.
And you are part of this story — your SIPs, your discipline, your clarity.
Let 2026 be your year of financial transformation.
I invite you to take the first step.
👉 Join my ₹99 Financial Planning Masterclass
https://tinyurl.com/TB-TFPMC
Disclaimer: The views expressed are for educational purposes only and do not constitute financial, investment, tax, or legal advice. Please consult qualified professionals before making decisions. Mutual fund investments are subject to market risks.
👉 Full Disclaimer | Disclosures | Terms of Use
| 👉Join my FAN page at: | facebook.com/CFPTareshBhatia |
| 👉Follow on Facebook: | facebook.com/TareshBhatiaCFPro |
| 👉Follow me on Instagram: | instagram.com/tareshbhatiacfp |
| 👉Follow me on Threads: | threads.net/@tareshbhatiacfp |
| 👉Follow me on Twitter: | twitter.com/tareshbhatiacfp |
| 👉Follow me on LinkedIn: | linkedin.com/in/tareshbhatiacfp |
| 👉Visit Website: | tareshbhatia.com |
| 👉Read Blog: | blog.tareshbhatia.com |
| 👉Buy my Book: | pages.razorpay.com/BookTRP |
| 👉Join me on Telegram: | t.me/+v0ewUJQU0wowN2Jl |
| 👉YouTube Channel: | youtube.com/@Taresh-Bhatia |
| 👉Subscribe: | tinyurl.com/SubscTB |
| 👉Join my Academy: | therichnessacademy.com |
| 👉Complimentary Session-Limited Offer: | learn.therichnessacademy.com/web/checkout/686f9d1203ac6c6374689439 |
| 👉WhatsApp message directly: | wa.me/919810127906 |
| 👉Get Ebook: | tinyurl.com/TenEbook |
The author of this article, Taresh Bhatia, is a Certified Financial Planner® and advocate for female empowerment. For more information and personalized financial guidance, please contact taresh@tareshbhatia.com
He has authored an Amazon best seller-“The Richness Principles”. He is the Coach and founder of The Richness Academy, an online coaching courses forum. This article serves educational purposes only and does not constitute financial advice. Consultation with a qualified financial professional is recommended before making any investment decisions. An educational purpose article only and not any advice whatsoever.
©️2025: All Rights Reserved. Taresh Bhatia. Certified Financial Planner®
Subscribe Now for Upcoming Blogs!
[convertkit form=6555951]
📢 Join free live webinar —
Couple Finance Formula™ Register here
