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Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
DISCLAIMER: The analysis, comments, views, opinions contained herein are for informational purposes only and should not be construed as an investment advice or recommendation to any party or solicitation to buy, sell or hold any security or to adopt any investment strategy. The information provided is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is prohibited or which would subject the AMC or its affiliates to any registration requirement within such jurisdiction or country. It shall be the sole responsibility of the viewer to verify whether the information expressed herein can be accessed and utilized in their respective jurisdictions. The comments, opinions and analyses are rendered as of the date and may change without notice. The viewers should exercise due caution and/or seek appropriate professional advice before making any decision or entering into any financial obligation based on information, statement or opinion which is expressed herein. The AMC does not warrant the completeness or accuracy of the information disclosed in this section and disclaims all liabilities, losses and damages arising out of the use of this information.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
DISCLAIMER: The analysis, comments, views, opinions contained herein are for informational purposes only and should not be construed as an investment advice or recommendation to any party or solicitation to buy, sell or hold any security or to adopt any investment strategy. The information provided is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use is prohibited or which would subject the AMC or its affiliates to any registration requirement within such jurisdiction or country. It shall be the sole responsibility of the viewer to verify whether the information expressed herein can be accessed and utilized in their respective jurisdictions. The comments, opinions and analyses are rendered as of the date and may change without notice. The viewers should exercise due caution and/or seek appropriate professional advice before making any decision or entering into any financial obligation based on information, statement or opinion which is expressed herein. The AMC does not warrant the completeness or accuracy of the information disclosed in this section and disclaims all liabilities, losses and damages arising out of the use of this information.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

March 2026

Macro Economic Review
 
 

External uncertainties increased materially with the escalation of the Iran conflict, and led to a sharp jump in crude prices. Additionally, supply chain bottlenecks cropped up with the closure of Strait of Hormuz, accounting for ~20-25% of global seaborne oil and over 33% of global LNG traffic, making it essential for global energy markets.

US Manufacturing PMIs inched up to 52.3 in March 2026 vs 51.6 in February, and has remained in expansionary mode for 8 consecutive months. In contrast, the services PMI softened to below the 50-mark threshold and came in at 49.8 in March vs 51.7 in Feb. US headline and core CPI came in at 2.4% and 2.5%, broadly in line with expectations. Going forward, inflation could inch up on account of the increase in gasoline prices. US labour markets rebounded in March, with non-farm payrolls coming in at 178k (vs 133k decline in February), and a 3-month average of 68k. US unemployment also declined and came in at 4.3% vs 4.4% in the previous month.

On domestic front, February CPI surged to 3.26% (vs 2.75% for the previous month), mainly driven by uptick in food inflation. Food & beverages inflation came in higher at 3.4% from 2.1% in the previous month. Food had been in deflationary zone towards the end of CY25, and has normalized now in the new series. Meanwhile, core inflation remained flattish at 3.45% (vs 3.41% in the previous month), supported by health & transport inflation remaining subdued. Personal care inflation has been at elevated levels and came in at 19.7% yoy, largely due to sharp price increases in gold & silver. Precious metals form part of the personal care basket and have a weightage of 0.94% in the overall CPI index (lower than the 1.2% weight in the old index) – which has kept personal care inflation elevated. Going forward, inflation may inch up higher driven by higher energy prices, depending upon the extent of retail price increase in energy products. Additionally, supply chain bottlenecks due to the recent conflict can also spillover to inflation.

Manufacturing PMI fell to 53.9 in March from 56.9 in February, above the expansion threshold of 50 but at its lowest level since end-2021. The decline was driven by fall in new orders and higher input prices, while employment and export orders remained steady. Services PMI also eased to a 14-month low of 57.5 in March from 58.1 in February, but remained well above the 50 mark. New business growth softened to a 14-month low even as new export orders rose to a three year high. The index of eight core industries rose by 2.3% in February 2026. Five of the eight core industries reported a rise in production, while three reported a fall. Cumulative output of eight core industries during April - Feb 2026 rose by 2.9% on a YoY basis, as compared to 4.4% YoY growth during the corresponding period last year.

India’s merchandise trade deficit narrowed to USD 27.1bn in February 2026 vs USD 34.7bn in January 2026 driven by lower gold imports, although inched up on a yoy basis (USD 14.4bn in February 2025). Gold imports moderated to USD 9.1bn in February vs USD 14.1bn in January. Overall exports growth was subdued and recorded a de-growth of 0.8% YoY, driven by a 40% de-growth in oil exports while non-oil exports remained steady at 6.4% YoY. Exports to the US remained broadly unchanged, despite lower effective US tariffs on Indian exports, while exports to Saudi Arabia and UAE fell sharply. Imports grew by 24.1% YoY as gold imports remained elevated on a YoY basis. Non-oil non-gold imports grew by 13.5% YoY, whereas oil imports grew by 9.1% YoY. The trade deficit was partly offset by net services exports of USD 17.8 bn, lower than USD 21.5bn in the previous month. FX reserves declined to USD 688bn (as on March 27th), vs USD 728 bn reported at the end of previous month on account of RBI’s forex intervention. Crude prices have inched up post Iran conflict, and will be a key risk for trade deficit and CAD – USD 10/bbl of increase in crude leads to 0.4% increase in CAD.

Central Government’s gross fiscal deficit (GFD) till February 2026 was 79.8% of its annual budgeted target vs 83.5% during the same time in the previous year. Government receipts till Feb 2026 grew by 9.6%, driven by a 17.8% growth in non-tax revenues (on account of higher RBI dividends). Net tax revenue growth has remained subdued at 6.4% on a YoY basis. On the expenditure front, the government has managed to keep revenue expenditure (excluding interest) in check, recording a de-growth of 3.7%. Total expenditure increased by 3.9% yoy during April –Feb 2026, driven by an increase of 14.5% in government capex. The government collected INR 2 trillion GST in March 2026 vs INR 1.9 trillion in the previous month. Government is likely to meet its budgeted fiscal deficit of 4.4% in FY26, as the slowdown in total receipts is expected to be offset by expenditure cuts. For the next year, impact on fiscal due to subsidies (fertilizer subsidy and oil excise cuts) will bear watching. Additionally, the nominal growth trajectory will have to be monitored, specially given the government targeting the debt / GDP metric and nominal GDP coming ~3% lower in the new GDP series.

Overall domestic demand and activity levels have remained strong during the year. However, high crude prices post the start of US Iran conflict and rationing of gas supplies have increased the risks of a growth slowdown. Investment cycle remains firm supported by government capex. Overall inflation is expected to remain within RBI’s comfort zone of 2 – 6%, even though it will inch up from current levels as the second order impact of the crude prices starts seeping through inflation. Global volatility is expected to remain high, and an elongated conflict and high crude prices can weaken the growth - inflation dynamics materially. 

 

  
Equity Market
 

  

Indian equity markets in March 2026 faced one of their most volatile months in recent years, with the Sensex and Nifty suffering steep declines. The Nifty 50 declined by ~11% in March, marking its fourth consecutive monthly drop due to FPI outflows, crude oil price swings led by the West Asia conflict, and global geopolitical tensions. Foreign investors pulled out nearly USD 12.7 billion from Indian equities, marking the worst monthly selling in over a decade. Mid-cap and small-cap indices declined 10.9% and 10.2%. All sectoral indices ended in the red, with banks, realty, and auto showing sharp falls, declining 17%, 16.8%, and 15.5%. Flows remained divergent, with FIIs turning net sellers at USD12.7 billion and DIIs adding USD15.5 billion. 

Other key developments in the month include the Indian government issuing a Natural Gas Control Order under the Essential Commodities Act to prioritize the supply of natural gas amid disruptions due to the closure of the Strait of Hormuz. The government reduced excise duty on petrol to `3/litre from `13/litre earlier and on diesel to zero from `10/litre earlier. The Indian Rupee witnessed sharp depreciation against the US dollar, closing at `94.7/USD compared to `90.9/USD at February-end.

High-frequency indicators for March remained mixed. Vehicle registrations, a proxy for retail demand, continued to record double-digit growth for both two-wheelers (20.3%) and passenger vehicles (17%); however, growth slowed from Feb levels. Production of medium and heavy commercial vehicles grew 16% YoY for the fifth consecutive month but came off last month’s high. Services PMI moderated slightly to 57.5 from 58.1, while Manufacturing PMI slowed to 53.9 in March vs 56.9 in Feb, on the back of higher input costs led by non-availability of gas, disruption of oil markets, and slower uptick in domestic production and orders. Power demand growth eased to a four-month low in March, slowing to 0.7% from 1.1% in Feb. GST collections rose to `2 trillion (+8.8% YoY). Bank credit growth edged up to 13.8% YoY in March from 13.6% in Feb. Goods exports softened to 0.8% YoY in Feb. Incoming high-frequency data suggests a divergent trend across indicators; while GST revenues were robust and credit growth sustained, PMI, power, and vehicle registrations softened from last month’s levels. 

The overall outlook for India has vitiated considerably since the outbreak of the ME conflict primarily due to concerns on energy costs and supply for India (nearly 40-50% of oil/gas passes through SoH) and its consequent implications on inflation and demand. High frequency data for March does indicate some demand moderation primarily on the back of erratic supply and some subdued sentiments. Cost inflation for corporates will likely take 3-6 months to feed into earnings. Meanwhile, the expectation of a cyclical recovery in earnings for India in FY27 has come to question and some early downgrades of ~3-4% to street earnings for FY27 have been witnessed in recent weeks.

However, the overall situation is still highly fluid, and outcomes would clearly be a function of the length of the conflict. Our base case of a mean reversion in the performance of the Indian economy and of the market remains albeit with some delay. The plethora of policy measures and the fiscal space that India has should support growth in these conditions. The sharp underperformance of India in FY26 and CYTD, along with record FII outflows has established a favourable base for Indian equities and makes the risk-reward much more attractive than at the start of CY26. Moreover, the recent underperformance of our markets since the start of the conflict does make the risk-reward for equity investors much more attractive than at the start of CY26. 

Event risks are typically overstated by the market in the short run but also invariably end up presenting a lucrative investment opportunity when looked back from a 2–3-year horizon. In such market conditions we believe investors could consider a range of options such as flexi cap strategies (for medium risk investors) to staggered investments in small cap funds (for high-risk investors) and well-structured multi asset funds (for low-risk investors). Patience as a virtue cannot be emphasized enough under such circumstances.


Fixed Income Market
 
 

Geopolitical developments dominated global financial markets, following the escalation of conflict in West Asia and closure of Strait of Hormuz which disrupted nearly 20% of global energy supply and triggered a sharp spike in crude oil prices. The resulting energy shock heightened concerns of stagflation globally, prompting a broad-based sell-off in fixed income markets 

In India, bond yields remained relatively stable through the first half of the month, supported by substantial open market operations (OMOs) conducted by RBI. However, as RBI moderated its liquidity support towards the latter half, domestic yields got re-priced higher, with the 10-year benchmark breaching the 7.00% mark. The Indian Rupee came under significant depreciation pressure as it weakened by over 3.6% approaching near 95 against USD amid elevated global risk aversion and a widening current account outlook due to higher crude prices.

Outlook

The persistence of geopolitical tensions in West Asia and the associated energy disruptions have significantly elevated uncertainty and stagflationary risks in global financial markets. This situation has complicated the monetary policy trade-off between growth & price stability and also heightened the risk of fiscal slippages. Global fixed income markets including domestic market have turned volatile, reacting to the evolving West-Asia conflict and policy responses.

To the market relief, US and IRAN have announced a 14-day ceasefire on April 8th, 2026 which has triggered a sharp price rally in global financial assets as market is hoping to see a conflict de-escalation and restoring the stability in energy market.

Additionally, amidst a challenging backdrop, the MPC delivered a well-balanced monetary policy by maintaining the status quo on both the policy rate and neutral stance. The RBI provided growth and inflation projections for FY27 under the new series at 6.9% and 4.6%, respectively, with potential risks stemming from the West Asia conflict. Apart from Middle East tensions, the El Niño impact on the monsoon needs to be closely monitored to assess its implications for inflation. The reaffirmation of the RBI’s commitment to providing sufficient liquidity is a welcome relief, as markets were concerned about tighter liquidity conditions amid currently low overnight yields.

On the supply front, the Government of India provided a positive surprise by lowering its gross borrowing for FY27 to `16.09 lakh crore from the budgeted `17.2 lakh crore. The borrowing calendar indicates a balanced distribution across the year, with H1FY27 accounting for approximately 51% (`8.2 lakh crore vs Rs 8 lac cr in 1HFY26), implying a net borrowing of `5.7 lakh crore for the first half. SDL calendar for 1QFY27 has also come lower than expected at Rs 2.54 lac cr (Rs 2.73 lac cr in 1HFY26).

If the West-Asia ceasefire holds and the parties involved are able to find a resolution, then the well-balanced monetary policy and reduced fiscal supply in 1HFY26 sets a stage for further rally in market yields. Current market yields are still elevated and provide a favorable risk reward. For instance, the 10 year G-Sec is still at ~6.90% levels –more than 25 bps higher than the pre-war levels. Similarly, corporate bond yields are also higher by 25-30 bps on alike to like basis.

From an investment perspective, a cautious and calibrated approach is warranted. Investors may consider prioritizing shorter duration strategies such as Ultra Short Duration, Low Duration, and Money Market funds, which currently offer attractive carry with limited duration risk. For medium- to long-term horizons, Short Duration and Corporate Bond funds present relatively favorable risk-adjusted opportunities. Gilt funds with exposure to longer duration securities can be used a tactical call for investors with higher risk appetite, particularly in anticipation of a gradual yield curve flattening. 






 

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
Important Information: The views contained in this section are for information purposes only and should not be construed as an investment advice to any party. The views contained herein may involve known and unknown risks and uncertainties that can differ materially from those expressed/implied. The viewers should exercise due caution and/or seek appropriate professional advice before making any decision or entering into any financial obligation based on information, statement or opinion which is expressed herein. Invesco Asset Management (India) Private Limited does not warrant the completeness or accuracy of the information disclosed in this section and disclaims all liabilities, losses and damages arising out of the use of this information.
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