I am a central government employee and will retire in 15 years. I joined the service in 2004, and at that time, I was enrolled in the National Pension System (NPS). Now, I have opened a General Provident Fund (GPF) account. I want to transfer my 19-year NPS amount of Rs.12,00,000/- to the GPF account and invest it in mutual funds as a lumpsum amount for 5 years. Is it the right decision? Or should I choose some other investment method? – Ajith Kumar, Kallambalam
Investing in mutual funds is a good idea. However, a five-year horizon may be relatively short for equity investments—especially considering current market levels and valuations. While selecting a mutual fund, you need to take into consideration your risk appetite and fund categories. We suggest having a longer investment horizon—ideally seven to ten years or more. If you prefer a moderate approach, consider multi cap or flexi cap funds. If you’re open to taking above-average risk, explore mid cap and small cap fund categories.
I have been holding Ola shares since it was listed. The current loss is over 50 percent (more than Rs. 50,000). What should I do now? If I sell, it will be a huge loss. Should I hold it for the long term? If I hold it, how long will it take to sell without any loss? Please advise. – Janaki, Kottayam
Ola Electric has issued a rare Q1FY26 outlook, projecting revenue of Rs.800 to Rs.850 crore, ~65,000 deliveries, and a gross margin of 28–30%, reflecting a notable improvement driven by the ramp-up of its Gen 3 platform and vertical integration efforts. However, the company’s declining market share raises concerns about product quality and execution. In Q1FY26, Ola sold ~60,500 vehicles, with its market share falling to 19.6% from 33.4% a year earlier. In contrast, TVS, Bajaj, and Ather gained market share, reaching 25%, 21.5%, and 13.7%, respectively, indicating stronger stability and growth. While the management has provided a strong guideline, market’s short to medium-term outlook for Ola remains subdued. Please note that Ola is not under Geojit coverage, the view is based on the analysis of publicly available information, it is not a recommendation.
How likely is Tata Steel’s share price to increase in the future? – Jagadeesh, Mumbai
Tata Steel’s share price trajectory will primarily depend on global steel demand, China’s export trends, raw material price movements, and broader geopolitical developments. The flat Q1FY26 provisional production data and the impact of the monsoon season could pose near-term resistance. We expect a slight decline in revenue in Q1FY26, primarily due to lower price realisations across key markets. Currently, we have a Hold rating with a target price of Rs.167. Further update is likely to be positive on a long-term, supported by steady domestic demand from infrastructure and auto sectors, and a decline in China’s steel production, as such developments are positive for the domestic steel industry. On the valuation front, the stock is currently trading at a 13% premium valuation to its 5-year EV/EBITDA ratio, which could limit upside in the medium-term.
