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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.

May 2025

Macro Economic Review
 
 

US’s tariff related global uncertainties continues to keep the markets on edge as hard data (like US’s consumer spending) remain healthy while the market sentiment indicators show deterioration. Amidst the global turmoil, Indian economy remains relatively more resilient, supported by a domestic focused economy, improving government spending, low inflation and higher banking system liquidity.

US retail sales has remained steady at 5.2% in April, similar to previous month and higher than 6-month average of 4.6%. In contrast, the consumer sentiment has declined to 52.2 in April & May, against an average of 64.2 in the quarter Jan – March 2025. The dichotomy reflects that tariff related uncertainties have impacted sentiments, but actual ground level impact is yet to be seen. Manufacturing PMIs improved from the previous month to 52.0, remaining in expansionary zone for 5 consecutive months. Services PMI also improved to 53.7 and has remained in expansionary zone for more than a year now. US inflation came lower than expected at 2.3% and core inflation at 2.8% (vs 6-month average of 2.7% and 3.1% respectively), though it still remains elevated. Tariff related uncertainty may impact the inflation trajectory.

India’s GDP growth for March quarter surprised positively at 7.4% YoY with GVA growing at 6.8%. The large difference between GDP and GVA growth is explained by surge in indirect taxes and reduction in subsidy payouts. Investments picked up sharply by 7.8% YoY, supported by pickup in government capex, whereas the Consumption remained subdued with a 4.7% YoY growth. Private final consumption expenditure (PFCE) growth of 6% YoY was partly offset by 1.8% YoY de-growth in Government final consumption expenditure (GFCE). On the GVA front, the 6.8% growth was led by services growth at 7.3% YoY, while industry and agriculture remained relatively subdued at 6.5% and 5.4% respectively.

India’s CPI for April softened more than expected to 3.16%, thereby remaining below the 4% mark for the 3rd consecutive month. The decline in inflation was largely led by food inflation moderating to 2.14% YoY vs 2.88% in previous month. Sequentially also, food inflation declined by 0.1% MoM, marking the 6th consecutive month of decline in food prices, led by sharp correction in vegetable prices. Core inflation, on the other hand, remained steady at 4.22% (vs 4.2% in the previous month), as gold prices kept on an increasing trend. With the expectations of healthy Kharif crop, early onset & normal monsoons and comfortable reservoir levels, CPI is expected to remain below RBI’s comfort level of 4%. Core inflation may still remain marginally above 4% with the higher gold prices and base effect. Global uncertainty around tariffs and resultant impact on growth could lead to faster moderation in inflation.

Manufacturing Purchasing Managers' Index (PMI) for May declined to 57.6 from 58.2 in the previous month, while being in expansionary zone for more than a year now and above its long-run average of 54.1. Services PMI edged up to 58.87 in April vs 58.7 in the previous month, driven by an increase in the export orders. The index of eight core industries increased by 0.5% YoY in April, which was the lowest level in the past 8 months. Five of the eight core industries reported a rise in production, whereas crude oil, Petroleum Refinery Products and fertilisers registered a decline in output.

India’s trade deficit widened to a 5-month high in April at USD 26.4bn vs USD 21.5bn deficit in March, largely on the back of slowdown in exports and increase in non-gold imports. Non-oil exports which had jumped by USD 6.0bn MoM in March, reversed in April with a USD 6bn decline, indicating that some of the front-loading of exports which was seen in March ahead of the reciprocal tariffs, reversed in April. On a YoY basis, exports grew by 9.0%, with non-oil exports growing by 10.1%, offset by slower growth of 4.8% in oil exports. Imports increased by 19.1%, driven by growth across oil (25.5%), non-oil non-gold (17.3%), as well as gold (4.9%). Net services surplus remained healthy at USD 17.8 bn vs USD 18.1 bn in previous month. FX reserves at the week ending May 30 inched up to USD 691 bn, up from USD 688 bn from the end of previous month.

Central Government’s gross fiscal deficit (GFD) for FY25 came in at 4.77%, slightly lower than the revised estimate of 4.8%. Receipts were around INR 700 bn lower than revised estimates and similarly the Revenue expenditure was also lower by INR 950bn from the revised targets. While maintaining the budgeted fiscal deficit, Govt was able to overachieve the FY25 capital expenditure target, recording a monthly capital expenditure of INR 2.4trillion in March 2025. FY26 has started on a healthy note with government accelerating capital expenditure (including capex loans) with growth of 61% YoY in April 2025. The government has exhausted 11.8% of the annual budgeted target in April. At the same time last year, the government had exhausted 13% of its annual deficit target. Expenditure increased by 10% YoY during April 2025 as government capex spending improved. On the revenue side, net tax collections increased by 2.5% YoY. The government collected INR 2 trillion GST in May 2025 vs INR 2.4 trillion in the previous month.

Overall domestic demand and activity levels show moderation. Consumption remains weak, led by slowdown in urban consumption even though rural demand is improving. Slowdown in bank lending is further impacting consumption. Investment cycle remains firm supported by government capex. With decline in food prices, overall inflation remains well within RBI’s comfort zone and will help consumption. Global volatility is expected to remain high and growth is expected to soften amidst US’s tariff policies.

  
Equity Market
 

  

Nifty was up 1.7% in May, after strong April move of 5%. Mid-cap and small-cap indices outperformed large-cap. and were up 6.1% and 8.7% respectively. Almost all sectors ended in the green, except FMCG. Capital goods, realty and metals were up 13%, 7% and 6%, respectively. Global trade tensions eased around mid-month, following the continued dilution in the extreme tariff stance taken by the US Trump regime and a breakthrough in talks between the US and China, resulting in an agreement for reduced tariffs. This led to 10% rally in NASDAQ 100 index. S&P 500 also rallied 5.5% and crude was also up 2.85%. Dollar continued downward move in May as well and was down 1%. Most global markets ended higher. Germany, US SPX and Indonesia rose 6.7%, 6.2% and 6%, respectively. Indian markets wavered in early May amidst heightened tensions with Pakistan, but rebounded after both nations agreed to a ceasefire, coupled with the easing tariff risks.

Other key developments: (1) Moody’s Ratings downgraded the US sovereign credit rating, citing concerns over rising debt levels, (2) IMD has retained its April forecast for ‘above normal’ rainfall from June-September, (3) QFY25 GDP was surprisingly strong at 7.4%YY (0.6pp surprise, 6.4% 3Q). Real GVA growth also picked up to 6.8%YY in 4Q vs 6.5% 3Q. (4) The RBI announced a dividend of Rs 2.69 trillion (0.75% of GDP) to the government in FY26 (~0.1%-of-GDP higher-than-budgeted dividend which will help cushion income tax cut costs and any extra defence spending). FPIs bought US$2.3 bn of Indian equities, whereas DIIs bought US$7.9 bn.

Q4FY25 Earnings: On the recently concluded Q4FY25 earnings season, Nifty/Nifty Ex-fin and O&G earnings grew 6%/5% for 4QFY25 and 7%/5% for FY25, compared to 13%/9% for 4QFY24 and 12%/10% for FY24. Nifty companies with the exception of a few have not seen any material downgrades to FY26 earnings. Upgrades were low, with only a handful out of 50 companies reported saw earnings upgrade greater than 5%. The aggregate earnings estimate for Nifty for FY26 stands at high single digit vs low double digit pre -results season. Sectors that outperformed the larger universe includes Metals, Healthcare and Infra while the underperforming sectors included Consumption, Energy, Power. PAT growth for the broader BSE500 (ex-OMCs) improved modestly to 10% YoY (Q3FY25: 8%). FY25 Revenue/EBITDA/Earnings growth for BSE 500 companies stood at 7%/7%/9% respectively. 

High-frequency data for May continued to exhibit a mixed trends. GST collections remained resilient at INR 2tn in May, while the growth improved to 16.4%YoY in May vs 12.6% in April. PMI for manufacturing slowed to 57.6 in May, while services PMI remained largely steady at 58.8, supported by healthy demand conditions. Central govt capital spending touched was strong in April, growing at a sharp rate of 61%YoY (partly impacted by base effect). Credit growth moderated further to 9.8%YoY in May (vs 10.3% in Apr). Power demand declined -4.9% in May (due to unseasonal rains and a high base last year), from +2.2% in April. Vehicle registrations improved for two-wheelers, but moderated for passenger vehicles in YoY terms. Naukri Job Index weakened both on a YoY and MoM basis, led by a broad-based weak trend across sectors. Air passenger traffic continues to grow, albeit at a slower pace relative to last month. QSR SSSG (Same Store Sales growth) trends remain subdued. FAS-Tag toll collection volume growth at 16% yoy in May vs. 17% in the previous month. 

Since mid-April, the global equity markets have dialled down on risk as it has become incrementally clear that the impact of US tariffs on overall global trade is unlikely to be as harsh as originally conceived. While trade negotiations are still underway, the market has clearly stepped back from a position of extreme risk aversion. Moreover, domestic economic outlook on interest rates, liquidity, govt spending, fiscal deficit, inflation and a good monsoon have all been supportive of a possible acceleration in earnings momentum for corporate India in the coming quarters. As we write this, the RBI has brought forward its rate cut agenda by cutting repo rate by 50bps, higher than the market expectation of 25bps, making it a cumulative 100bps since the start of 2025. This will likely provide the necessary momentum to consumption growth and encourage private capital investment. 

After a strong rally over the past two months, we expect the Indian markets to consolidate with a positive bias. March quarter earnings will lend support to earnings momentum even as improving foreign and domestic flows and lower interest rates drive valuations. With the overall economic cycle in an expansionary space, we believe the small and midcap space to provide a fresh opportunity post recent correction. Our portfolio positioning remains pro-cyclical and preference continues for high quality companies with strong business execution.


 
 
Fixed Income Market
 
 

Global uncertainties remain elevated as the countries rush to negotiate tariff deal with the USA within the stipulated timelines. US’s treasury yields surged by 20-30 bps across the curve due to inflation trajectory overhang amidst tariff policies and on fiscal concerns as USA looked to pass the Tax bill with corporate tax cuts. Indian G-Sec yields once again budged the global trend and moderated by ~ 5-10 bps with a steepening bias with lower-than-expected headline inflation print and surplus banking liquidity. RBI delivered a record dividend of Rs 2.68 trillion to the central government. Corporate bond yields also rallied and outperformed the G-Sec market.

Outlook

US yields have inched up again amidst tariff related worries and fiscal overhang. US’s rate cut expectations continue to swing rapidly as the market reassess the impact of the tariff on US’s growth – inflation dynamics. Currency market may remain turbulent with risk-off sentiments.


Against the global uncertainty, Indian fixed income market continues to stay resilient on the back of favorable fiscal as well as monetary policies. RBI delivered a record dividend of Rs 2.68 trillion to the central government, against the budgeted ~Rs 2.2 trillion which provides the fiscal cushion for FY26. RBI was able to deliver this record dividend even with a higher contingent risk buffer of 7.5% as against 6.5% last year.


On monetary policy front, MPC in its June policy has frontloaded the economic growth support measures with an outsized policy repo rate cut of 50 bps & a Cash Reserve Ratio (CRR) cut of 100 bps in a phased manner, which has far exceeded the market expectations. CRR cut is expected to release ~Rs 2.5 trillion of durable liquidity which bodes well for market yields. However, in a balancing move, MPC also changed the policy stance back to “Neutral” from “Accommodative” after changing it in the previous April policy only. FY26 inflation projections has been moderated to 3.7% from the earlier 4.0% with benign food as well as core inflation. Growth projection has been maintained at 6.5% for FY26, although the downside risks persist amidst global uncertainty.


With MPC’s Neutral policy stance, future rate cuts will be data dependent on evolving growth-inflation dynamics and as such we expect a pause over next couple of monetary policies. Nonetheless, we believe that the current policy rate cut along with the mammoth liquidity surplus with CRR cut will gradually drive the yields lower with a curve steepening bias thereby benefitting the short end of yield curve. We believe investors can capture this opportunity and look at increasing allocation to funds in upto 5 year tenure. Depending on the risk appetite, investors can look funds like Ultra Short Duration Fund, Low Duration Fund, Short Duration Fund, Medium Duration Fund and Corporate Bond Fund. While the steep policy rate cut is favorable for the steepening of yield curve, longer end of the curve provides tactical opportunities as the term spread has widened sharply and is expected to compress in second half of FY26 when demand picks up from long investors. Overall, risk-reward remains favorable at current juncture with supportive demand-supply and spread compression due to abundant liquidity. However, considering the shape of yield curve, it will be critical to position appropriately on G-Sec & Corporate bonds as we find G-Sec yield curve in the 5 yr-15 yr tenor and Corporate bond yield curve upto 5 yr tenor more attractive. 






 

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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