FinatoniQ

Call Directions Website Contact the business

FinatoniQ Financial ecosystems that think, behave, and perform better through behavioral finance & tech insight

30/09/2026

๐Œ๐š๐ซ๐ค๐ž๐ญ๐ฌ ๐š๐ซ๐ž ๐ฏ๐จ๐ฅ๐š๐ญ๐ข๐ฅ๐ž. ๐–๐ก๐š๐ญ ๐œ๐จ๐ฆ๐ž๐ฌ ๐ง๐ž๐ฑ๐ญ?

Join the ๐…๐ข๐ง๐š๐ญ๐จ๐ง๐ข๐ ๐…๐จ๐ซ๐ฎ๐ฆ for an insightful webinar exploring whatโ€™s shaping the markets and the broader BFSI sector.

Hear from experts from the ๐…๐ข๐ง๐š๐ญ๐จ๐ง๐ข๐ Cohort as they share their perspectives on market trends, economic developments, and what industry professionals should watch next.

๐ŸŽ™๏ธ ๐’๐ฉ๐ž๐š๐ค๐ž๐ซ๐ฌ:
๐Œ๐ซ. ๐Š๐ซ๐ข๐ฌ๐ก๐š๐ง ๐’๐ก๐š๐ซ๐ฆ๐š
๐Œ๐ซ. ๐€๐ฆ๐ข๐ญ ๐“๐ซ๐ข๐ฏ๐ž๐๐ข
๐Œ๐ซ. ๐’๐ซ๐ข๐ค๐š๐ง๐ญ๐ก ๐†๐ฎ๐ซ๐ฎ๐ซ๐š๐ฃ๐š

๐Ÿ—“๏ธ ๐ƒ๐š๐ญ๐ž: 01 October 2026
๐Ÿ•Ÿ ๐“๐ข๐ฆ๐ž: 4:30 PM IST
๐Ÿ’ป ๐…๐จ๐ซ๐ฆ๐š๐ญ: Online Webinar

๐Ž๐ง๐ž ๐ฐ๐ž๐›๐ข๐ง๐š๐ซ ๐ญ๐จ ๐ฌ๐ญ๐š๐ฒ ๐ฎ๐ฉ๐๐š๐ญ๐ž๐ ๐จ๐ง ๐ญ๐ก๐ž ๐ข๐ง๐๐ฎ๐ฌ๐ญ๐ซ๐ฒ.

Scan the QR code to register.

21/09/2026

๐–๐ก๐ž๐ง ๐ญ๐ก๐ž ๐”๐’ ๐ซ๐š๐ข๐ฌ๐ž๐ฌ ๐ซ๐š๐ญ๐ž๐ฌ, ๐ญ๐ก๐ž ๐ข๐ฆ๐ฉ๐š๐œ๐ญ ๐๐จ๐ž๐ฌ๐งโ€™๐ญ ๐ฌ๐ญ๐จ๐ฉ ๐š๐ญ ๐ข๐ญ๐ฌ ๐›๐จ๐ซ๐๐ž๐ซ๐ฌ. ๐ŸŒ๐Ÿ“ˆ

Higher rates, a stronger dollar and foreign flows can influence Indian markets, but Indiaโ€™s market ultimately depends on its own earnings, growth and fundamentals.

Look beyond the headlines. Understand what drives the market.

- Inspired by Krishan Sharma

๐€ ๐๐š๐ฒ ๐จ๐Ÿ ๐ฆ๐ž๐š๐ง๐ข๐ง๐ ๐Ÿ๐ฎ๐ฅ ๐œ๐จ๐ง๐ฏ๐ž๐ซ๐ฌ๐š๐ญ๐ข๐จ๐ง๐ฌ, ๐ฉ๐ซ๐š๐œ๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ง๐ฌ๐ข๐ ๐ก๐ญ๐ฌ, ๐š๐ง๐ ๐ฌ๐ญ๐ซ๐จ๐ง๐ ๐ž๐ซ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ž ๐Œ๐…๐ƒ ๐œ๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ฒ.FinatoniQ was ple...
19/09/2026

๐€ ๐๐š๐ฒ ๐จ๐Ÿ ๐ฆ๐ž๐š๐ง๐ข๐ง๐ ๐Ÿ๐ฎ๐ฅ ๐œ๐จ๐ง๐ฏ๐ž๐ซ๐ฌ๐š๐ญ๐ข๐จ๐ง๐ฌ, ๐ฉ๐ซ๐š๐œ๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ง๐ฌ๐ข๐ ๐ก๐ญ๐ฌ, ๐š๐ง๐ ๐ฌ๐ญ๐ซ๐จ๐ง๐ ๐ž๐ซ ๐œ๐จ๐ง๐ง๐ž๐œ๐ญ๐ข๐จ๐ง๐ฌ ๐ฐ๐ข๐ญ๐ก ๐ญ๐ก๐ž ๐Œ๐…๐ƒ ๐œ๐จ๐ฆ๐ฆ๐ฎ๐ง๐ข๐ญ๐ฒ.

FinatoniQ was pleased to be part of the ๐Ÿ๐Ÿ’๐ญ๐ก ๐€๐ง๐ง๐ฎ๐š๐ฅ ๐Œ๐ž๐ž๐ญ ๐จ๐Ÿ ๐ญ๐ก๐ž ๐“๐ซ๐ข๐œ๐ก๐ฒ ๐ˆ๐ง๐๐ข๐ฏ๐ข๐๐ฎ๐š๐ฅ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐€๐ฌ๐ฌ๐จ๐œ๐ข๐š๐ญ๐ž๐ฌ ๐€๐ฌ๐ฌ๐จ๐œ๐ข๐š๐ญ๐ข๐จ๐ง, held at ๐‡๐จ๐ญ๐ž๐ฅ ๐Š๐จ๐๐š๐ข ๐ˆ๐ง๐ญ๐ž๐ซ๐ง๐š๐ญ๐ข๐จ๐ง๐š๐ฅ, ๐Š๐จ๐๐š๐ข๐ค๐š๐ง๐š๐ฅ, on ๐Ÿ ๐’๐ž๐ฉ๐ญ๐ž๐ฆ๐›๐ž๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”.

The session, โ€œ๐Ÿ• ๐‡๐š๐›๐ข๐ญ๐ฌ ๐จ๐Ÿ ๐š ๐…๐ฎ๐ญ๐ฎ๐ซ๐ž-๐‘๐ž๐š๐๐ฒ ๐Œ๐…๐ƒ,โ€ was led by ๐Œ๐ซ ๐•๐ž๐ง๐ค๐ข๐ญ๐ž๐ฌ๐ก ๐’๐ฎ๐›๐ซ๐š๐ฆ๐จ๐ง๐ข๐š ๐ˆ๐ฒ๐ž๐ซ ๐‚๐…๐€ , who shared valuable perspectives on building a resilient, adaptable, and future-ready MFD practice.

From evolving client expectations to strengthening professional practices, the session offered meaningful takeaways for Mutual Fund Distributors looking to stay prepared for tomorrow.

๐Š๐ง๐จ๐ฐ๐ฅ๐ž๐๐ ๐ž. ๐‚๐จ๐ง๐ง๐ž๐œ๐ญ๐ข๐จ๐ง. ๐‚๐จ๐ง๐ญ๐ข๐ง๐ฎ๐จ๐ฎ๐ฌ ๐†๐ซ๐จ๐ฐ๐ญ๐ก.

Continuing the conversation on building stronger and more sustainable MFD practise in ๐•๐ข๐ฃ๐š๐ฒ๐š๐ฐ๐š๐๐š.The โ€œ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐š ๐’๐ฎ๐ฌ๐ญ๐š๐ข๐ง...
16/09/2026

Continuing the conversation on building stronger and more sustainable MFD practise in ๐•๐ข๐ฃ๐š๐ฒ๐š๐ฐ๐š๐๐š.

The โ€œ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐š ๐’๐ฎ๐ฌ๐ญ๐š๐ข๐ง๐š๐›๐ฅ๐ž ๐Œ๐…๐ƒ ๐๐ซ๐š๐œ๐ญ๐ข๐ฌ๐žโ€ program brought together Mutual Fund Distributors for an engaging knowledge session led by , with a focus on learning, professional development, and long-term practice building.

๐Ÿ“… ๐ƒ๐š๐ญ๐ž: ๐Ÿ๐Ÿ ๐’๐ž๐ฉ๐ญ๐ž๐ฆ๐›๐ž๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”
๐Ÿ“ ๐๐ฅ๐š๐œ๐ž: ๐‡๐จ๐ญ๐ž๐ฅ ๐ƒ ๐• ๐Œ๐š๐ง๐จ๐ซ, ๐•๐ข๐ฃ๐š๐ฒ๐š๐ฐ๐š๐๐š
๐ŸŽฏ ๐„๐ฏ๐ž๐ง๐ญ ๐Ÿ๐จ๐ซ: ๐‡๐ƒ๐…๐‚ ๐Œ๐ฎ๐ญ๐ฎ๐š๐ฅ ๐…๐ฎ๐ง๐
๐Ÿค ๐๐ซ๐จ๐ ๐ซ๐š๐ฆ ๐‚๐จ๐ฎ๐ซ๐ญ๐ž๐ฌ๐ฒ: ๐‡๐ƒ๐…๐‚ ๐€๐Œ๐‚ ๐‹๐ญ๐

Grateful to ๐‡๐ƒ๐…๐‚ ๐€๐Œ๐‚ ๐‹๐ญ๐ for the program and to all the ๐Œ๐…๐ƒ๐ฌ who made the session a meaningful exchange of ideas.

I Was Born in 1968.I May Be One of the Luckiest Generations in India.Why?๐Ÿ‘‰ Look at this chart carefully.In 1968, the yea...
16/09/2026

I Was Born in 1968.
I May Be One of the Luckiest Generations in India.

Why?

๐Ÿ‘‰ Look at this chart carefully.

In 1968, the year I was born, India had 2.12 crore births.

By 2001, it had risen to nearly 2.93 crore.

Now read it carefully:

๐Ÿ‘‰ Today, it is back to around 2.25 crore.

This isnโ€™t a chart about babies.
Itโ€™s a chart about our future.

My fatherโ€™s generation was perhaps the luckiest.
They didnโ€™t worry much about retirement.

Why?
Beta budhape ki lathi hota hai.
Children were the pension plan.
Family was the social security system.

I feel fortunate too.
I have children.

When I grow old, I hope they will be thereโ€”not for my financial needs, but for my emotional needs, and eventually for my sanskar.

Now look at those born around 2001.

They are 25 today.
๐Ÿ‘‰ One of Indiaโ€™s largest generations.

But here is the paradox and understanding this is important:

๐Ÿ‘‰ A generation largest in number is being followed by progressively smaller number of younger people.

First comes the problem of jobs.
Millions competing for a limited number of good jobs.
Will everyone get one?
No.

And when labour supply is abundant, wages donโ€™t automatically rise.
Skills will do the sorting.

But the bigger problem comes later.
What happens when this generation turns 60-70- 80?

Fewer siblings.
Fewer children.
Fewer grandchildren.
Fewer younger people around them.

๐Ÿ‘‰ The number of people younger than them will keep falling.

For centuries, society was a pyramid:

Many young supporting fewer old.
That pyramid is changing.(breaking)

So ask yourself:

Who will look after them?
Who will visit them?
Who will take them to the hospital?
Who will make decisions for them?
Who will they call on a Tuesday evening?

Money can buy care.
It cannot buy companionship.

You may achieve financial independence-
but loneliness and lack of emotional connection could become another form of poverty.

We have spent decades learning how to live longer.

Now we must learn:

How to live longer
without living alone.

Do you get it?

โ€” ๐ˆ๐ง๐ฌ๐ฉ๐ข๐ซ๐ž๐ ๐›๐ฒ

May Lord Ganesha remove obstacles, bring clarity to every decision, and bless us with prosperity and well-being. ๐Ÿ™โœจWishi...
14/09/2026

May Lord Ganesha remove obstacles, bring clarity to every decision, and bless us with prosperity and well-being. ๐Ÿ™โœจ

Wishing you a blessed and prosperous Ganesh Chaturthi! ๐Ÿ’š๐Ÿ’™

A meaningful day of learning, dialogue, and professional growth with ๐Œ๐ฎ๐ญ๐ฎ๐š๐ฅ ๐…๐ฎ๐ง๐ ๐ƒ๐ข๐ฌ๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐จ๐ซ๐ฌ ๐ข๐ง ๐•๐ข๐ฌ๐š๐ค๐ก๐š๐ฉ๐š๐ญ๐ง๐š๐ฆ.The โ€œ๐๐ฎ๐ข๐ฅ...
11/09/2026

A meaningful day of learning, dialogue, and professional growth with ๐Œ๐ฎ๐ญ๐ฎ๐š๐ฅ ๐…๐ฎ๐ง๐ ๐ƒ๐ข๐ฌ๐ญ๐ซ๐ข๐›๐ฎ๐ญ๐จ๐ซ๐ฌ ๐ข๐ง ๐•๐ข๐ฌ๐š๐ค๐ก๐š๐ฉ๐š๐ญ๐ง๐š๐ฆ.

The โ€œ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐š ๐’๐ฎ๐ฌ๐ญ๐š๐ข๐ง๐š๐›๐ฅ๐ž ๐Œ๐…๐ƒ ๐๐ซ๐š๐œ๐ญ๐ข๐ฌ๐žโ€ program, led by ๐•๐ž๐ง๐ค๐ข๐ญ๐ž๐ฌ๐ก ๐’๐ฎ๐›๐ซ๐š๐ฆ๐จ๐ง๐ข๐š ๐ˆ๐ฒ๐ž๐ซ ๐‚๐…๐€ , focused on the ideas and perspectives that can help MFDs build stronger, more sustainable practices for the long term.

A valuable knowledge session, courtesy of ๐‡๐ƒ๐…๐‚ ๐€๐Œ๐‚ ๐‹๐ญ๐, bringing together industry professionals with a shared focus on sustainable growth.

๐Ÿ“… ๐ƒ๐š๐ญ๐ž: ๐Ÿ๐ŸŽ ๐’๐ž๐ฉ๐ญ๐ž๐ฆ๐›๐ž๐ซ ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ”
๐Ÿ“ ๐๐ฅ๐š๐œ๐ž: ๐…๐จ๐ซ๐ญ๐ฎ๐ง๐ž ๐ˆ๐ง๐ง ๐’๐ซ๐ž๐ž ๐Š๐š๐ง๐ฒ๐š, ๐•๐ข๐ฌ๐š๐ค๐ก๐š๐ฉ๐š๐ญ๐ง๐š๐ฆ
๐ŸŽฏ ๐„๐ฏ๐ž๐ง๐ญ ๐Ÿ๐จ๐ซ: HDFC Mutual Fund
๐Ÿค ๐๐ซ๐จ๐ ๐ซ๐š๐ฆ ๐‚๐จ๐ฎ๐ซ๐ญ๐ž๐ฌ๐ฒ: ๐‡๐ƒ๐…๐‚ ๐€๐Œ๐‚ ๐‹๐ญ๐

๐–๐ก๐ฒ ๐๐ข๐ ๐ญ๐ก๐ž ๐ฆ๐š๐ซ๐ค๐ž๐ญ๐ฌ ๐ ๐ข๐ฏ๐ž ๐š๐ฅ๐ฆ๐จ๐ฌ๐ญ ๐๐Ž ๐ซ๐ž๐ญ๐ฎ๐ซ๐ง๐ฌ ๐ข๐ง ๐Ÿ ๐ฒ๐ž๐š๐ซ๐ฌ?Answer is in the numbers:Nifty 50EPS grew only 4.9% CAGRP/E fell 9...
11/09/2026

๐–๐ก๐ฒ ๐๐ข๐ ๐ญ๐ก๐ž ๐ฆ๐š๐ซ๐ค๐ž๐ญ๐ฌ ๐ ๐ข๐ฏ๐ž ๐š๐ฅ๐ฆ๐จ๐ฌ๐ญ ๐๐Ž ๐ซ๐ž๐ญ๐ฎ๐ซ๐ง๐ฌ ๐ข๐ง ๐Ÿ ๐ฒ๐ž๐š๐ซ๐ฌ?
Answer is in the numbers:

Nifty 50
EPS grew only 4.9% CAGR
P/E fell 9.2% CAGR
Price: โˆ’4.8% CAGR

Earnings simply werenโ€™t growing fast enough to support the valuation.

MidCap 150
EPS grew a stunning 27% CAGR
But P/E fell from 45ร— โ†’ 29ร—
Price: just +1.5% CAGR

This is the real surprise.
๐Ÿ๐Ÿ•% ๐ž๐š๐ซ๐ง๐ข๐ง๐ ๐ฌ ๐ ๐ซ๐จ๐ฐ๐ญ๐ก ๐ฌ๐จ๐ฎ๐ง๐๐ฌ ๐Ÿ๐š๐ง๐ญ๐š๐ฌ๐ญ๐ข๐œ.

But when you pay 45ร— earnings for midcaps, you arenโ€™t paying for 27% growth alone.
You are paying for high growth to continue.

When the market starts questioning the sustainability of that growth, the valuation can fall sharply even while earnings are still growing rapidly.

๐€๐ง๐ ๐’๐ฆ๐š๐ฅ๐ฅ๐‚๐š๐ฉ๐ฌ?
EPS โˆ’3.3%
P/E +3.5%
Price: virtually ZERO

๐’๐จ ๐ฐ๐ก๐š๐ญ ๐š๐œ๐ญ๐ฎ๐š๐ฅ๐ฅ๐ฒ ๐ก๐š๐ฉ๐ฉ๐ž๐ง๐ž๐?
Earnings collapsed
Expectations didnโ€™t

The market had priced in very high future growth.

Poor Nifty sentiment impacted MidCaps too

๐“๐ก๐ž ๐ฅ๐ž๐ฌ๐ฌ๐จ๐ง - ๐Ÿ๐จ๐ซ ๐ฌ๐ฎ๐ฌ๐ญ๐š๐ข๐ง๐š๐›๐ฅ๐ž ๐ซ๐ž๐ญ๐ฎ๐ซ๐ง๐ฌ
๐„๐š๐ซ๐ง๐ข๐ง๐ ๐ฌ ๐ก๐š๐ฏ๐ž ๐ญ๐จ ๐ ๐ซ๐จ๐ฐ ๐Ÿ๐š๐ฌ๐ญ๐ž๐ซ ๐ญ๐ก๐š๐ง ๐ฐ๐ก๐š๐ญ ๐ญ๐ก๐ž ๐ฏ๐š๐ฅ๐ฎ๐š๐ญ๐ข๐จ๐ง ๐š๐ฅ๐ซ๐ž๐š๐๐ฒ ๐ž๐ฑ๐ฉ๐ž๐œ๐ญ๐ฌ.

โ€” ๐ˆ๐ง๐ฌ๐ฉ๐ข๐ซ๐ž๐ ๐›๐ฒ ๐Š๐ซ๐ข๐ฌ๐ก๐š๐ง ๐’๐ก๐š๐ซ๐ฆ๐š

08/09/2026

๐๐„๐•๐„๐‘ ๐‹๐Ž๐’๐„ ๐Œ๐Ž๐๐„๐˜.

A 50% loss needs a 100% gain to recover.

๐Ÿ‘‰Thatโ€™s the asymmetry of investing.

Protect the downside.

Let compounding do the rest.

๐๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐›๐ข๐  ๐ฅ๐จ๐ฌ๐ฌ๐ž๐ฌ ๐๐จ๐งโ€™๐ญ ๐ฃ๐ฎ๐ฌ๐ญ ๐ก๐ฎ๐ซ๐ญ ๐ญ๐จ๐๐š๐ฒ, ๐ญ๐ก๐ž๐ฒ ๐ฌ๐ญ๐ž๐š๐ฅ ๐ฒ๐ž๐š๐ซ๐ฌ ๐Ÿ๐ซ๐จ๐ฆ ๐ญ๐จ๐ฆ๐จ๐ซ๐ซ๐จ๐ฐ.

Wealth is built not by chasing winners, but by avoiding big losers.

โ€” ๐ˆ๐ง๐ฌ๐ฉ๐ข๐ซ๐ž๐ ๐›๐ฒ Krishan Sharma

Literacy is the first step toward better decisions and brighter futures. ๐Ÿ“šโœจThis International Literacy Day, letโ€™s learn,...
08/09/2026

Literacy is the first step toward better decisions and brighter futures. ๐Ÿ“šโœจ

This International Literacy Day, letโ€™s learn, grow, and build a more empowered tomorrow. ๐Ÿ’™๐Ÿ’š

Address

3rd Floor, NR SQUARE, 145, Sirsi Circle, Kaniyara Colony, Ramachandra Agrahara, Chamrajpet
Bangalore
560018

Alerts

Be the first to know and let us send you an email when FinatoniQ posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to FinatoniQ:

Shortcuts

Share