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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.

February 2026

Macro Economic Review
 
 

External uncertainties remained high, led by evolving geopolitical scenario and US’s tariff policies. The Iran conflict escalated and has led to an increase in crude oil prices. Prolonged continuation of the conflict could put further pressure on crude prices. On the tariff side, India and US announced the completion of a trade deal which will reduce tariffs to 18% for Indian goods vs 50% earlier, which was followed by the US Supreme Court striking down Trump’s tariffs.

US Manufacturing PMIs softened to 51.6 in February 2026 vs 52.4 in January, and has remained in expansionary mode for 7 consecutive months. Services PMI also softened marginally to 52.3 in February vs 52.7 in January and has remained in expansionary zones for over a year now. US headline CPI came in at 2.4%, marginally lower than expectations of 2.5%. Core inflation came in at 2.5%, in line with expectations. Both the headline and core CPI have been on a softening trend in recent months, after continuously inching up post tariff announcements. US labour markets are also showing signs of improvement. US unemployment declined for the second consecutive month and came in at 4.3% vs 4.4% in the previous month. Non-farm payrolls also showed an uptrend, and came in at 130k, vs 48k in the previous month and an average of 14k over the last 6 months.

India’s GDP growth for December came in at 7.8% YoY under the new series released during the month. GDP growth was driven by private consumption (8.7% in Q3FY26), supported by GST rate cuts. Investment growth moderated to 7.8% in Q3FY26 vs 8.4% in Q2FY26 on account of slowdown in government capex. On the GVA front, the 7.8% growth was led by strong performance in the services sector and industries which recorded a 9.5% and 9.7% YoY growth respectively, while agriculture remained relatively subdued at 1.4%. For the full year FY26, the second advanced estimate was revised to 7.6% vs first advanced estimate of 7.4%.

India also released the first CPI under the new 2024 base year series. Under the new series, the weighting of the food & beverages category has dropped by ~9% to 36.8%, while the share of core (CPI excluding food & beverage, fuel) has risen by ~10% to 57.9%. The new series has a higher weighting for urban CPI and for services (housing, transport, information & communication, restaurant & accommodation). The January CPI came in at 2.75% (vs 1.33% for the previous month in the old series). Food & beverages, which was trending in deflationary zone for 4 consecutive months till December, came in sharply higher at 2.1% in January 2026 – since the weightages of vegetables, pulses and cereals (which were showing sharp price declines) have reduced in the new series, whereas items like fruits & dairy which had higher price increases have a higher weightage. Meanwhile, core inflation was lower than expected at 3.4% in January 2026 (vs 4.7% in December on old base year series), reflecting lower rental inflation in the new series as well as lower weight for jewellery made from gold, diamond, platinum and silver (at 0.94% vs 1.2% in the old base). As a result, personal care inflation which captures gold and silver, saw a much more moderate inflation of 19% YoY in new base-year compared to 28% in old series in December. Inflation has been trending closer to ~2.1% in FY26, and is expected to normalize to around 4% in FY27.

Manufacturing PMI inched up to 56.9 in February from 55.4 in January, touching a four-month high. The rise in the index was driven by domestic demand, with new orders surging at their strongest pace over the past 4 months. Services PMI eased to 58.1 in February from 58.5 in January, but remained well above the 50 mark. New business growth softened to a 13-month low but remained well in expansion mode, while new export orders rose to a six-month high. The index of eight core industries rose by 4% in January 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 - Jan 2026 rose by 2.9% on a YoY basis.

India’s balance of payments (BOP) deficit widened to USD 24.4bn in Q3FY26 vs USD 10.9bn deficit in Q2FY26. The 9M FY26 BoP deficit is running at USD 30.8bn. The widening in Q3FY26 was driven by the capital account turning deficit at USD 10.0 bn in Q3FY26 vs net surplus of USD 2.1bn in Q2. Net outflows were seen in FDI (USD 3.7 bn in Q3) and FPI (USD 0.2bn) as well as other capital. On the other hand, current account deficit came in lower on a qoq basis at USD 13.2 bn (1.3% of GDP; vs a deficit of USD 14.1 bn in Q2FY26 and USD 11.3 bn in Q3FY25). The reduction in CAD in Q3FY26 was due to robust services surplus (USD 57.5bn in Q3FY26 vs USD 50.9bn in Q2). The majority of services surplus is due to software services (USD 47.1bn) and GCCs (USD 17.6bn). Remittances remained robust at USD 35.1bn vs USD 36.3bn inflows in Q2, out of which ~35-40% comes from the Middle East and will bear watching given the current Iran conflict escalation. Crude prices have inched up post Iran conflict, and sustained high prices will be a key risk to CAD – USD 10/bbl of increase in crude leads to 0.4% increase in CAD.

India’s merchandise trade deficit jumped to a three-month high in January 2026 at USD 34.7bn vs USD 25bn deficit in December. Historically, the last quarter of the year witnesses a narrowing of trade deficit; however, the increased investor interest in gold led to an increase in gold imports and widened the trade deficit. Gold imports rose to USD 12.1bn in January vs USD 4.1bn in December. Overall exports growth was subdued at 0.6% YoY, driven by a 8.5% growth in oil exports and a 0.2% de-growth in non-oil exports. Exports to US de-grew by 25% YoY, partly offset by growth to European and Middle East countries. Imports grew by 19.2% YoY, driven mainly by a large jump in gold imports. Non-oil non-gold imports grew by 4.8% YoY, whereas oil imports de-grew by 0.2% YoY. The trade deficit was partly offset by net services exports of USD 21.5 bn, marginally lower than USD 22.7bn in the previous month. FX reserves remained flattish at USD 723bn (as on Feb 20th), vs USD 723 bn reported at the end of previous month.

Central Government’s gross fiscal deficit (GFD) till January 2026 was 62.6% of its annual budgeted target vs 72.5% during the same time in the previous year. Government receipts till Jan 2026 grew by 12.8%, driven by a 19.2% growth in non tax revenues (on account of higher RBI dividends). Net tax revenue growth has picked up in recent months to 10% 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 4%. Total expenditure increased by 3.4% yoy during April – Jan 2026, driven by large increase of 11.2% in government capex. As the government has already achieved 75.1% of the budgeted capex by December (vs 68.2% in the previous year), we expect the capex momentum to slow going forward. The government collected INR 1.88 trillion GST in February 2026 vs INR 2 trillion in the previous month. Government is likely to meet its budgeted fiscal deficit of 4.4% in FY26. For the next year, the nominal growth trajectory will bear watching, 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 the same is expected to moderate in Q4FY26 on account of lower fiscal impulse and base effect kicking in. Investment cycle remains firm supported by government capex, however government capex is expected to slow down in the last quarter of the fiscal. Overall inflation is expected to remain within RBI’s comfort zone and will help consumption. On the global front, volatility is expected to remain high.

 

  
Equity Market
 

  

The Nifty50 declined 0.6% in Feb 26, marking its third consecutive monthly drop as escalating geopolitical tensions between Iran and the US and rising concerns over AI driven disruption for Indian IT companies dampened sentiment. This overshadowed the positives from improving corporate earnings and easing trade uncertainties following India’s trade agreement with the EU and an interim trade framework with the US. Mid caps and small caps outperformed, gaining 1.2% and 0.3%, respectively. The IT Index saw a sharp 19% correction after AI firm Anthropic unveiled new automation tools. Most sectors ended in the green, led by Power (+9%), Consumer Durables (+7%) and Healthcare (+6%). Global markets were largely positive, with South Korea (+20%), Thailand (+15%) and Taiwan (+11%) emerging as top performers. The Union Budget 2027 pegged the fiscal deficit at 4.3% of GDP. Gold and silver rose 7% and 8%, respectively, while the Indian rupee appreciated 1.1% in February. Nifty50 net income for 3QFY26 grew 9.8% YoY. Flows remained supportive, with FIIs turning net buyers at USD 2.5 billion and DIIs adding USD 4.2 billion. Retail participation stayed strong, driven by robust mutual fund inflows and sustained momentum in SIP contributions. 

High frequency indicators for February remained resilient. Vehicle registrations—a proxy for retail demand—accelerated sharply, with two wheelers up ~26% YoY and passenger vehicles up ~28% YoY, supported by positive sentiment as highlighted by recent FADA commentary. 

Production of medium & heavy commercial vehicles continued to grow 30%YoY for the fourth consecutive month. Services PMI moderated slightly to 58.1 from 58.5, while Manufacturing PMI strengthened to 56.9 in Feb 2026 from 55.4 in Jan 2026, led by improved domestic production and sales. GST collections rose to INR 1.84 tn (+8.1% YoY). Bank credit growth edged up to 13.6% YoY in February from 13.1% in January, supported by both industry and retail segments. Goods exports softened to 0.6% YoY in January from 1.9% in December, though tariff reductions are expected to aid momentum from February onwards. Overall, high frequency data points to broad-based economic strength, sustaining growth momentum and enabling a more widespread recovery in consumption.  

Recent geopolitical events in the Middle East have overshadowed some of the improving macro-conditions in India of the recent past. While the Indian economy is not directly impacted by the crisis, resultant rise in energy costs puts to some risk the nascent acceleration in India’s corporate earnings trajectory. We expect uncertainty to prevail for some time and markets to be dictated by evolving narratives in the short-term. If energy costs do not materially spiral or remain elevated for long, we expect the earnings recovery of the recent past to dominate market direction.

In early 2026, we potentially see mean reversion of few other trends as well: 

1) Likely return of inflation as geo-politics bear upon hard commodities including

2)  Consequent bottoming of the interest rate cycle and 

3)   Stabilisation of the INR

While global market conditions especially the US, remain conducive overall, the recent softening of the technology and AI trade, open up an opportunity for global investors to rotate into diversified markets such as India for global investors. Besides the impact of pass-through inflation from tariffs and slowing labour markets may be fully felt in 1H2026. We thus expect global equities to take a pause in early 2026. Returns on precious commodities like Gold/Silver could potentially slow especially if the US dollar gains lost ground.

The 3QFY26 earnings season in India has ended on a good note with aggregate earnings regaining double-digit growth. The earnings downgrade cycle appears to have bottomed out thanks to the recent measures on taxation and falling inflation.

We expect the market opportunities in India to operate at the two ends of the barbell. Large-cap biased strategies may prevail supported by earnings revision. On the other hand, we see smallcaps providing a good opportunity to accumulate given their sharper underperformance within the overall market and a likely rebound once the domestic economic cycle enters a period of greater strength towards latter part of FY27. We also strongly advocate investors form a credible allocation to multi-asset strategies from a longer-term standpoint as the best possible defence to global asset class volatility and to enhance overall quality of investment returns.


Fixed Income Market
 
 

US Treasuries (UST) registered one of the best months in recent time as 10Y UST softened by more than 30 basis points to close the month at 3.94, falling below 4% for the first time since November 2025. 30Y UST also softened by 24 basis points during this period. Softer inflation print of 2.5% and weaker economic data coupled with flight to safety amidst turbulent stock markets contributed to such move.

Domestic market sentiments turned positive post the announcement of India – US trade deal and subsequently, INR traded in the range of 90.27-90.98 coming down from the highs of 92 against USD in January and G-Sec yields also cooled off with 10 yr G-sec rallying by ~10 bps to 6.66%. Money Market rates and Corporate bonds saw buying interest at heightened spreads and softened by 10 to 20 basis points. However, the market yields have come under pressure again with escalation in middle east tensions.

Outlook

CY2026 is expected to be a challenging year for global Fixed income markets as many Central banks come to an end of rate cut cycle and as fiscal policies of many countries remain expansionary. Additionally, rising geo-political tensions across various fronts will keep the markets on the edge.

Indian fixed income market is expected to be no different and bound to be volatile. Current growth-inflation dynamics and global developments may not provide room for further rate cut by RBI. RBI in its forthcoming April policy will provide growth-inflation projections for FY27, critical for anchoring the monetary policy expectations. As of now, we expect RBI to remain on a long pause supported by a benign inflation trajectory, even under the new CPI series. FY27 will also witness a record high cumulative gross supply of G-Sec and SDLs in excess of Rs 30 trillion and will test the market absorption capacity, especially in the absence of further rate cuts. Higher sovereign borrowings can also crowd out the corporate borrowings, resulting in higher borrowing cost. Market will keenly await the 1HFY27 G-Sec borrowing calendar to be announced by March end.

Currently, the market yields are already elevated across the yield curve reflecting the challenges ahead and a favorable risk-reward. For instance, 10 yr G-Sec at ~6.70% offers a 145 bps term spread over the 5.25% repo rate, seen only during the previous rate hike cycles. Even the short end yields are elevated on supply concern and one-year bank CD at ~6.95 – 7.0% provides one of the highest spreads over policy repo rate. Similarly, corporate bonds in 2-4 year tenor space offers 80-90 bps spread over similar tenor G-Sec, much higher than the historical spreads.

Market sentiments had briefly turned positive after the announcement of US-India trade agreement and INR subsequently gaining strength. Concerns of elevated gross G-Sec supply has been addressed to a great extent as the Government conducted ~Rs 75,000 cr switch of FY27 maturities with RBI and another ~Rs 29,000 cr switch with the market. These operations have reduced the gross G-Sec supply now to Rs 16.15 trillion from the earlier budgeted Rs 17.2 trillion. Additionally, RBI has been refraining from conducting short term VRRRs to absorb excess liquidity for some time now, which has resulted in overnight TREPs yield falling below 5% and triggering a buying momentum. We expect RBI to remain proactive in providing adequate market liquidity to achieve better rate cut transmission to the wider economy.

However, recent escalation in middle-east geopolitical tensions can turn the market sentiments sour once again. Any sharp surge in energy prices remains a threat for financial assets as imported inflation as well as current account deficit gets impacted. RBI has swiftly responded to these developments by active intervention in Fx market, secondary buying of G-Sec and with an OMO G-Sec purchase announcement of Rs 1 trillion in March, which has supported the market well. Nonetheless, any prolonged war situation will remain an overhang on the markets. Considering the current risk-reward dynamics, we believe Ultra Short, Money Market and Low Duration funds provide limited volatility and high accrual. Once the middle-east tensions ease, actively managed short-term funds and corporate bond funds with balanced exposure towards 2-4 yr corporate bonds and 5-10 yr G-Secs provide suitable opportunities for core allocation in CY2026. Additionally, even though with a risk of higher volatility, one can look at Gilt funds as a tactical call given that the term spreads have jumped sharply higher. 






 

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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