Category: Business

New Delhi [India], November 28: In today’s dynamic and often volatile financial landscape, investors are increasingly seeking strategies that can provide both growth and stability. While traditional investment avenues have their merits, the need for a more resilient and diversified approach has never been more apparent. This is where multi-asset allocation funds emerge as a powerful solution, offering a balanced and disciplined approach to wealth creation. Think of a multi-asset allocation fund as a well-balanced cricket team. You need aggressive batsmen (equity) who can score quick runs and take the game forward, steady middle-order players (debt) who stabilize the innings when wickets fall, all-rounders (gold) who contribute in multiple ways, and a reliable wicketkeeper (cash) who catches opportunities. A team with only aggressive batsmen might score quickly but collapse under pressure. Similarly, a portfolio needs different “players” with different strengths to win the long game.

 Key Message: “Champions aren’t built on star players alone. A winning portfolio, like a winning team, needs balance across all positions.”

The Need for Multi-Asset Allocation

The primary challenge for most investors is not a lack of options, but rather the complexity of choosing the right mix of assets. Equities offer high growth potential but come with significant volatility. Debt instruments provide stability and regular income but may offer limited capital appreciation. Gold and other commodities act as a hedge against inflation and economic uncertainty, but their performance can be cyclical. A multi-asset allocation fund simplifies this complex decision-making process by investing in a diversified portfolio of at least three asset classes, with a minimum allocation of 10% to each, as mandated by the Securities and Exchange Board of India (SEBI). This ensures that the fund is not overly reliant on any single asset class, thereby mitigating risk and providing a more stable investment journey.

The Role in Asset Allocation

Multi-asset allocation funds play a crucial role in strategic asset allocation by providing a professionally managed, diversified portfolio within a single investment. The fund manager actively monitors market conditions and economic trends, dynamically adjusting the allocation between different asset classes to optimize risk-adjusted returns. For instance, during a bull market, the fund may increase its equity exposure to capitalize on rising stock prices. Conversely, in a bear market, the allocation may shift towards debt and gold to preserve capital and cushion the portfolio from steep declines. This active management and automatic rebalancing save investors the hassle of constantly monitoring their portfolios and making tactical allocation decisions.

Who Should Invest?

Multi-asset allocation funds are particularly well-suited for a wide range of investors:

• First-time investors: These funds provide a simplified and diversified entry point into the world of investing, eliminating the need to pick individual stocks or bonds.
• Investors with a low to moderate risk tolerance: The diversified nature of these funds helps to smooth out returns and reduce volatility, making them ideal for those who are not comfortable with the high-risk nature of pure equity funds.
• Long-term investors: By providing a balanced exposure to different asset classes, these funds are well-positioned to deliver steady, long-term growth.
• Investors seeking a hassle-free investment experience: The active management and automatic rebalancing features of these funds make them a convenient, “invest and forget” solution.

Hybrid Multi-Asset Funds vs. Equity-Heavy Funds

It is important to distinguish multi-asset allocation funds from their more aggressive counterparts, such as aggressive hybrid funds. While both fall under the hybrid category, their risk-return profiles are significantly different.

Feature

• Multi-Asset Allocation Funds
• Aggressive Hybrid Funds
• Equity Allocation
• Typically 10-70%
• 65-80%
• Asset Classes
• Minimum 3 (e.g., equity, debt, gold)
• Primarily equity and debt
• Volatility
• Lower
• Higher
• Risk Profile
• Balanced
• Aggressive
• Ideal Investor
• Risk-averse to moderate

Risk-tolerant

Aggressive hybrid funds, with their high equity allocation, tend to outperform in bull markets but are also more susceptible to sharp declines during market downturns. Multi-asset allocation funds, on the other hand, provide a more stable and consistent performance across market cycles. The 10-year average return for aggressive hybrid funds is slightly higher at 12.12% CAGR compared to 11.12% for multi-asset funds. However, it is interesting to note that the top-performing multi-asset funds have delivered returns that are comparable to, and in some cases, even better than their aggressive hybrid counterparts, but with lower volatility.

Volatility During Crises like COVID-19

The COVID-19 pandemic served as a stark reminder of the importance of portfolio resilience. During the market crash of 2020, many equity-heavy portfolios suffered significant losses. Multi-asset allocation funds, however, demonstrated their ability to weather the storm. The inclusion of debt and gold in the portfolio helped to cushion the impact of the sharp decline in equity markets. As a result, these funds experienced lower drawdowns and recovered more quickly than their equity-heavy counterparts. This ability to provide stability during times of crisis is one of the most compelling reasons to include multi-asset allocation funds in any investment portfolio.

Conclusion

In a world of increasing uncertainty, multi-asset allocation funds offer a compelling proposition for investors seeking a balanced and disciplined approach to wealth creation. By providing a diversified portfolio of different asset classes, these funds can help to mitigate risk, reduce volatility, and deliver steady, long-term growth. As the first Indian woman to establish a mutual fund house, I am committed to empowering investors with the knowledge and tools they need to achieve their financial goals. I believe that multi-asset allocation funds are an essential component of any well-diversified investment portfolio, and I encourage all investors to consider them as a part of their wealth creation journey.

Disclaimer: The perspectives shared in this column reflect the author’s own views and interpretations.

Kochi (Kerala) [India], November 29: The Association of International Accountants (AIA), a UK based globally recognized professional body for accountants and finance professionals, today announced its first-ever strategic partnership in India with Finprov Learning – Kochi, a leading edtech company, providing industry-readiness programs in finance and accounting. The collaboration commemorates AIA’s formal entry into the Indian market that was announced earlier this week in Bengaluru, and sets the foundation for long-term cooperation in advancing professional finance education across the country. The partnership was unveiled at a high-profile press conference held at Crowne Plaza, Kochi by Mr David Potts, Director of Policy & Regulation, AIA UK; CA Anand Kumar, Founder & CEO, and Mr S R Nair, Executive Director of Finprov Learning.

• Blends global expertise with deep local industry insight to boost employability, financial fluency & global mobility for finance & commerce professionals
• To collaborate with universities, colleges & corporates to strengthen India’s talent ecosystem & future-ready workforce

Announcing the partnership, David Potts, Director of Policy & Regulation, AIA said, “India is adding more than 1 million employable graduates every year and will contribute nearly a quarter of the world’s incremental workforce by 2030. Our partnership with Finprov Learning is a major milestone in AIA’s global journey with the country being home to one of the world’s most dynamic talent pools. Together, we aim to create pathways that empower professionals with internationally recognised skills in finance and accounts while also retaining strong local relevance.”

With a youth population of over 450 million and more than 50 million students currently in higher education, India produces over 1.5 million commerce graduates every year, and is one of the world’s fastest-growing markets for global finance talent, backed by a demographic and economic advantage that is difficult to match. Demand for globally recognised finance certifications such as CMA (US), CPA, and EA has surged and is further accelerated by the National Education Policy (NEP), which is driving strong B2B adoption among colleges and training providers. As India is projected to contribute 24.3% of the incremental global workforce by 2030, the need for internationally benchmarked, industry-ready finance qualifications has never been more significant.

CA Anand Kumar, Founder & CEO of Finprov Learning, stated: “With a 20% CAGR in demand for global finance certifications and India’s workforce expanding at an unprecedented scale, this collaboration comes at the right time. By combining Finprov’s market understanding with AIA’s international standards, we are preparing learners for a global future while also strengthening India’s financial workforce.”

This alliance brings together AIA’s nearly 100-year heritage in global accounting standards with Finprov’s deep industry experience and understanding of India’s evolving talent landscape. The collaboration is aimed at delivering flexible, affordable and industry-relevant qualifications, accessible to learners across India.

AIA’s partnership with Finprov positions the organisations to tap into India’s domestic and international opportunity – including fast-growing sectors across South Asia and GCC countries, where India-origin talent dominates finance roles.

This launch is a testament to AIA’s resolve to raise the bar for professional credentials and help Indian accountants and finance professionals. The partnership paves a direct route to global recognition for Indian students and professionals at an affordable cost while at the same time, the adoption of worldwide best practices in India’s fast-growing financial landscape.

About the Initiative and Partnership

As the first outcome of the partnership, AIA and Finprov have launched a suite of globally recognised finance and accounting qualification designed to strengthen financial fluency and support global mobility. The programme feature a real-world, benchmarked curriculum delivered through Finprov’s tech-enabled ecosystem, and are accessible to students, professionals and senior executives alike. The rollout begins in Kerala and Bengaluru, and is expected to benefit an estimated 5,000-10,000 Indian professionals in the first 2-3 years, with potential to scale to 20,000 plus, including expansion into GCC markets as brand awareness grows.

Through this partnership with Finprov, AIA aims to collaborate with universities, colleges, and corporates across India to integrate its qualifications, foster continuous professional development, and promote ethical, globally aligned accounting practices.

The AIA–Finprov collaboration underscores a shared commitment to empower Indian learners with world-class education supported by local guidance, accessibility, and industry relevance.

About the Association of International Accountants (AIA) 

Established in 1928, the Association of International Accountants (AIA) is a UK-based global professional body for accountants and finance professionals that is recognised for its long-standing commitment to excellence in education, ethics, and professional standards. With a dynamic network of members and students across more than 80 countries, AIA works to enhance skills, uphold integrity, and advance the global accountancy profession. For more details, visit https://www.aiaworldwide.com/

About Finprov Learning: 

Finprov Learning is a leading finance and accounting and skill education provider founded by seasoned Chartered Accountants. With a strong focus on practical, job-ready training, Finprov offers online, offline and hybrid programmes backed by industry expertise, innovative learning tools and robust placement support. Accredited by NSDC and ISO, Finprov empowers learners with future-ready skills and global career opportunities.

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Ahmedabad (Gujarat) [India], November 29: Resset Group, one of Ahmedabad’s most trusted and quality-focused real estate developers, has begun construction of its much-anticipated luxury project, Evara, on Basant Bahar Road in South Bopal. The development is positioned to redefine high-end residential living in Ahmedabad’s western corridor, combining architectural excellence with enduring value.

A Prime Address on Basant Bahar Road

Known for its calm, tree-lined avenues and refined residences, Basant Bahar Road has become one of Ahmedabad’s most desirable luxury residential zones. The stretch offers seamless access to S.G. Highway, the upcoming metro corridor, and several international schools, hospitals, and lifestyle hubs. It’s a location that blends exclusivity with everyday convenience — a balance that Evara by Resset captures with thoughtful precision.

“Basant Bahar Road has always represented calm sophistication,” said a senior Resset Group spokesperson. “With Evara, we wanted to create a development that resonates with the same understated elegance the area is known for.”

Evara – Crafted with Vision and Precision

Evara is envisioned as a collection of bespoke residences that emphasize space, light, and privacy. The project offers large-format 4 BHK homes ranging from 4,780 sq. ft. to 8,700 sq. ft., each planned to provide an open, airy, and luxurious feel. The main building welcomes residents with a grand double-heighted entrance foyer, setting a tone of arrival and grandeur. Inside, every home features distinct formal and family living spaces, designed to enhance both privacy and togetherness.

The architectural concept is helmed by PDC Architects, an award-winning Ahmedabad-based design studio led by Prashant Paradava. This collaboration unites Resset’s construction excellence with PDC’s contemporary design sensibility, creating what is expected to become one of South Bopal’s most iconic residential landmarks.

Luxury Rooted in Detail

From grand double-height living areas and expansive decks to advanced home automation systems and sustainable building practices, Evara exemplifies modern luxury crafted with purpose. The clubhouse, landscaped podium, and façade design reflect timeless aesthetics while integrating functional innovation — blending artistry with everyday practicality.

“Evara is not just about creating another residential tower,” the spokesperson added. “It’s about shaping a landmark that stands for refined living, craftsmanship, and long-term value.”

A Developer Known for Trust and Delivery

Resset Group has earned a strong reputation across Ahmedabad’s real estate landscape for its transparency, timely delivery, and design integrity. The company’s diverse portfolio includes developments ranging from affordable premium homes starting at ₹45 lakh to ultra-luxury residences above ₹5 crore.

In South Bopal, Resset’s Good Earth project has already garnered praise for its thoughtful master planning and community-centric design. With Evara, the brand now enters a new segment — addressing the growing demand for luxury apartments in Ahmedabad that combine elegance, scale, and sustainability.

Proven Growth and Investor Confidence

Beyond residential projects, Resset has consistently delivered strong appreciation for investors and land partners. Properties developed by the group between 2020 and 2024 have witnessed value growth of up to three times, driven by Ahmedabad’s ongoing infrastructure boom, including S.P. Ring Road upgrades and the proposed Olympic City 2036 corridor.

This consistent performance reinforces Resset’s position as a developer that builds not only premium homes but also long-term financial value.

Looking Ahead

Evara brings together a curated team of experts from architecture, structural design, landscape, and interiors — all aligned to create a project that balances luxury with sustainability. The development emphasizes low-density planning, energy-efficient materials, and modern amenities, making it both aspirational and responsible.

“Evara represents our belief that luxury today must also be sustainable,” the spokesperson noted. “We see this as a project that will stand the test of time — in both design and value.”

About Resset Group

Headquartered in Ahmedabad, Resset Group has established itself as a name synonymous with quality, innovation, and integrity. With completed and ongoing developments across South Bopal, Shela, and Western Ahmedabad, the company continues to shape the city’s skyline with a focus on livability and long-term value. The group’s guiding philosophy — “Building with Integrity, Living with Pride” — remains central to every project it undertakes.

Evara by Resset — A New Chapter in Ahmedabad’s Story of Luxury Living.
RERA No.: MAA15291/020625/311228
Website: www.resset.in/evara

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New Delhi [India], November 29: PNY Technologies, a global supplier of components and storage solutions, is proud to announce the establishment of a local RMA (Return Merchandise Authorization) setup in India for its NVIDIA GeForce and NVIDIA Professional GPU products. This service will be managed through collaboration with Repair & Return Technology Pvt. Ltd. (R&R), ensuring that customers in India will now experience faster and more efficient RMA for their GPU warranty claims.

With this new initiative, PNY aims to streamline the RMA process and reduce the turnaround time for customers, enabling them to avoid long waiting periods that are typically associated with international returns.

Devanshu Bajpai, National Sales Manager for PNY India, “At PNY, we are committed to providing a seamless experience for our customers, and with this local RMA setup, we are ensuring that users of our NVIDIA GeForce and NVIDIA Professional GPUs in India no longer have to wait long periods for warranty servicing. By implementing this- we are significantly improving our response time, offering our customers faster resolutions, and enhancing overall satisfaction. We believe this is a key step in strengthening PNY’s commitment to the Indian market.”

Mr. S. Sultan Ibrahim (Vice President) Repair & Return Technology (India) Pvt. Ltd., said:  “We are proud to partner with PNY in establishing the new RMA Center in India. PNY’s commitment to delivering world-class service aligns seamlessly with our dedication to diagnostics and customer support. This collaboration enables us to combine our technical expertise with PNY’s service vision, ensuring faster turnaround times and a more reliable, efficient support experience for customers across the country. We wish PNY continued success and look forward to a long and fruitful association with all involved.”

Through this partnership with Repair & Return Technology Pvt. Ltd., PNY will ensure that Indian customers benefit from local handling of GPU warranty claims, simplified logistics, and a responsive support experience. This initiative reflects PNY’s ongoing investment in providing world-class service and support tailored to regional markets.

About PNY Technologies

Founded in 1985 in the United States, with a EMEA office in France, PNY celebrates over 35 years of success as a provider of electronic solutions for several high growth markets. As a long-standing leader in the field of memory, the company has further expanded its offer with storage products such as USB sticks, memory cards and SSDs. For over 20 years, PNY has fostered a special partnership with NVIDIA and supplies the latest GPU technologies for the embedded and gaming markets, as well as professional applications, which gives PNY a unique position in the market as the supplier of choice for all components.

PNY helps to improve the creativity, productivity and performance of users. PNY’s technology partnerships are constantly evolving to stay up to date with the latest innovations.
With facilities in the United States, Europe, Asia and the Middle East, PNY is able to provide its customers, all around the world, the power of a global supplier, as well as local technical, commercial and logistics expertise.

Learn more on PNY: www.pny.com/en-eu

About Repair & Return Technology Pvt. Ltd. (R&R)

Repair & Return Technology Pvt. Ltd. is a third-party repair service provider that specializes in handling RMA processes for leading tech brands, ensuring efficient product returns and repairs. With a focus on customer satisfaction, R&R aims to offer timely solutions for warranty-related claims.

For more information or inquiries about the local RMA process, customers can contact Repair & Return Technology Pvt. Ltd. directly at the details provided above.

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Shark Tank-featured haircare brand targets public markets

Mumbai (Maharashtra) [India], November 29: Ravelcare Limited, a bootstrapped digital-first beauty and personal care (BPC) firm, known for customised haircare and skincare experiences in India, has announced its plan to launch an Initial Public Offering (IPO) on 1^st December 2025, marking a milestone in its journey from a Popular Reality TV Show stage to India’s public markets. With a listing proposed on BSE SME, the company aims to raise capital through a Fresh Issue of up to 18,54,000 shares at an issue price of ₹130, aggregating up to ₹24.10 Cr.

A Journey Fueled by Purpose & Personal Care

Ravelcare’s story began when founder Ayush Varma observed a recurring pattern among friends, family, and colleagues – hairfall, scalp sensitivity, dandruff, pigmentation, and the fatigue of trying generic “one-size-fits-all” products that rarely worked. These conversations revealed a deep consumer gap: India’s beauty market was crowded, but not personal.

Motivated by this problem, Ayush envisioned “Ravel” — a name that symbolises both entangling and untangling — reflecting the brand’s mission to simplify the overwhelming world of personal care through precision, personalisation, and science-backed formulations.

Starting with limited resources, Ayush collaborated with expert formulation labs, chemists, and third-party manufacturers to design products built on real consumer data and clinical insights. What began as a personal mission slowly evolved into a brand loved across India.

Appearance at Shark Tank India: The Defining Moment

Ravel’s big break came when Ayush pitched the brand on Shark Tank India (Season 2). He asked for ₹75 lakh for a share of his business, laying out a vision of personalised haircare rooted in data, honest ingredients, and a digital-first distribution model. Investors across the panel were intrigued by the massive untapped opportunity: a growing number of consumers rejecting cookie-cutter personal care products.

The episode cemented Ravel’s position in the D2C beauty ecosystem. Post-Shark Tank, Ravelcare saw a significant uptick in brand awareness, digital traffic, and customer engagement – the exposure proving to be a turning point in accelerating their vision.

Ravelcare has established itself as a differentiated player in the beauty and personal care market through a Digital-First D2C Model, Data-Driven Formulation, Personalisation, Scalable Infrastructure, Pan-India Reach & Global Ambition and Customer Loyalty.

Mr. Ayush Varma, Managing Director, said:
“From speaking to friends and family about their hair and skin concerns, to presenting Ravel on Shark Tank, this journey has always been about more than business – it’s about care, trust, and solving real problems. Today, as we move toward an IPO, we do so with a mission: to democratise high-quality, insight-driven beauty solutions for millions.”

For the six months ended September 30, 2025, Ravelcare reported Revenue of ₹1,439.76 lakh and PAT of ₹319.59 lakh, while for the full Financial Year 2025, the company delivered Revenue of ₹2,497.89 lakh and PAT of ₹525.52 lakh.

Incorporated in 2018 and headquartered in Maharashtra, Ravelcare Limited is a digital-first beauty and personal care brand focused on haircare, skincare, bodycare, and scalp care. The company is now on track to list on BSE SME, embarking on its next chapter of growth.

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