Asked & Answered

Teji Mandi Flagship product:

• 6 months – ₹ 1074 + GST ( ₹179 per month)
• 12 months – ₹ 1188 + GST ( ₹99 per month)

Teji Mandi Multiplier product:

• 6 months – ₹ 2,394 + GST ( ₹399 per month)
• 12 months – ₹ 3,588 + GST ( ₹299 per month)

Teji Mandi Edge product:

• 12 months – ₹ 2,388 + GST( ₹ 199 per month)

plans for Teji Mandi Xpress products:

• 3 months – ₹ 1,497 + GST ( ₹ 499 per month)
• 6 months – ₹ 2,394 + GST ( ₹ 399 per month)

The renewal amount is not auto-debited from your account. However, we send you a reminder via e-mail and SMS 7 days before your subscription expires.

Teji Mandi is a fee-only professional. We charge a nominal fixed fee on the service we give regardless of the amount you invest. Unlike many professionals in the market, we do not make commissions on products from any third-party companies. This ensures that we only work for you and not for any other person’s interests.

No, we do not charge any performance fees or commissions. We charge a nominal fixed fee for our service, regardless of your investment.

No, we do not charge any additional charges for rebalancing. We work on a flat fee model with no hidden charges or commissions.

Some brokers charge a fee for linking your account with us.
Here is the list of supported brokers and their linking charges:

• Zerodha – Rs 100 + GST one time only*
• 5Paisa – Rs 20 per stock*
• Upstox – Rs 200 + GST one time only*
• IIFL Securities – Rs 100 + GST one time only*
• Groww – Rs 100 + GST one time only*
• Kotak Securities – Rs 100 + GST one time only*
• Angel One – No Charges*
• Axis Direct – No Charges*
• HDFC Securities – No Charges*
• Alice Blue – No Charges*
• Edelweiss – No Charges*
• Trustline – No Charges*
• ICICI Direct – Rs 100 + GST one time only*
• Dhan – No Charges*
• FundzBazar – No Charges*
• Motilal Oswal – No Charges*

You can buy a subscription and pay us through any of the following options:

• UPI: Instant payment via any app
• Net Banking: All Indian banks
• Debit Card

We do not offer any refunds on a cancellation or otherwise. If you are unhappy with the services, you may discontinue the renewal of your subscription. We are always available on chat for feedback and to hear from you.

The stocks in the Teji Mandi portfolios are picked from Nifty 500/ Nifty Small Cap 100 and are held in your Demat account. Hence, it gives you enough liquidity and freedom to exit the investment anytime. However, we strongly encourage you to have a long-term perspective.

You may open your Demat account through one of our partner brokers, including India’s most prominent brokers. Just select the ‘I don’t have a Demat account’ at the investment stage, and we will get it set up for you!

The minimum investment on your end is purposely low at INR 29-34k, depending on the value of the 15-20 stocks in our portfolio. Since we cannot buy partial stocks in India, this is the minimum amount needed to have a balanced and diversified portfolio. This amount may vary by a few rupees based on the current stock price.

Currently, we support India’s top brokers, and we are soon adding support for more. If your broker is not listed/supported with the Teji Mandi app, you may subscribe and get access to our stock portfolio and rebalancing alerts. Further, you can execute these trades manually on your broker’s platform.

Teji Mandi Xpress provides stock recommendations based on market opportunities, including entry, target, and SL levels, with exit alerts via in-app updates, email and push notification.

That’s not a problem! We will help you open your Demat account through one of our partner brokers, including 16 of India’s most prominent brokers. Just select the ‘I don’t have a Demat account’ at the investment stage, and we will get it set up for you!

The minimum investment on your end is purposely low at INR 19-25k, depending on the value of the 15-20 stocks in our portfolio. Since we cannot buy partial stocks in India, this is the minimum amount needed to have a balanced and diversified portfolio. This amount may vary by a few rupees based on the current stock price.

Currently, we support 16 of India’s top brokers, and we are soon adding support for more. We can help you open a Demat account as well. If you want to transact with your broker, you can subscribe and get access to our stock portfolio and rebalancing alerts. You can execute these trades on your own on your broker’s platform.

Teji Mandi Xpress provides stock recommendations based on market opportunities, including entry, target, and SL levels, with exit alerts via in-app updates, email and push notification.

Since all the stocks are in your linked Demat account, you own the stocks. Hence you can sell the stocks from your portfolio in case you need the money.

Our investment philosophy has 4 aspects. We pick stocks from the Nifty 500, which provides adequate liquidity. We follow a focused stock-picking method, combining a portfolio of tactical bets with long-term winners to ensure optimum returns. Our selling strategy is disciplined where we eliminate the losers and double down on the winners to ensure meaningful capital protection for clients. Lastly, we maintain 1 portfolio to ensure standardisation and uniformity of returns across all clients.

We at Teji Mandi recommend that you should not try to time the market.

We offer a portfolio of stocks from a short to long-term perspective.​ ​Therefore, entry price and target price will not be important. You will have to buy the stocks at the current market price and rebalance the portfolio when the notification is sent.

Rebalance helps investors rearrange their portfolio depending on the external market conditions, quality stock-picking, and disciplined selling strategy.

1. Tap ‘Rebalance’ on the home screen.
2. Login with a broker.
3. Tap ‘Confirm Update’.
4. Review stocks.
5. Tap the ‘Rebalance Smallcase’ button.
6. Confirm the sell order through CDSL (by entering your TPIN).
7. Continue to CDSL.
8. And, wait for the order to be fulfilled.

Due to the changing market conditions and economic indications, it becomes crucial for ‘Teji Mandi’ to rearrange its portfolio stocks. This helps maintain an ideal allocation by selling a few stocks and replacing them with the ‘better’ ones through our disciplined rebalancing strategy.

Rebalancing is done to ensure that the investor gets the advantage of stocks that would compound over a longer period​​ and can take advantage of situations from a short-term perspective.​

We usually rebalance our long term portfolios i.e. Teji Mandi Flagship and Multiplier portfolio in 45 to 60 days or depending the market conditions.For our short term portfolio Edge the rebalance is usually made depending on the market conditions.

We will tell you when to sell and buy other stocks through our rebalance updates sent on email, WhatsApp, and push notifications.

Nothing to worry about – you can always rebalance later by tapping the ‘Rebalance Now’ button. However, we recommend doing it as early as possible.

We do not recommend this and hence we mandate rebalancing. If your rebalance transaction fails, you can select an option to skip/archive a rebalance (although we do not recommend this).

When we rebalance, we sell a stock and use the funds from the sale to fund our buys on the new stocks. In some cases, the amount left after selling is not enough to cover a buy order due to the changing prices in the stock market. Hence, you must add funds to execute the rebalance.

SEBI has also mandated certain margin requirements on orders where only 50% of the funds available can be used to fund purchase orders. This is another reason you might need to add funds to execute a rebalance.

We recommend our clients maintain a small buffer of funds with their broker to ensure seamless rebalancing. Your funds are safe with the broker, and unused funds will be returned to you quarterly.

Our monthly SIP starts at just Rs 6,000. The initial investment value is equal to the current value of Teji Mandi’s portfolio stocks.

Learn more about the SIP process at, https://tejimandi.com/blogs/tm-learn/sip-the-why-the-what-and-the-how

You can buy a subscription and pay us through any of the following options:

– UPI: Instant payment via any app

– Net Banking: All Indian banks

– Debit Card

Teji Mandi offers a product called Xpress Swing Stocks, which provides trade recommendations on individual stocks with Buy Price, Stop Loss, and Target Price.

You will be able to renew your subscription starting 7 days before the expiry of your subscription. We will notify you 7 days before expiry via email, push notification and WhatsApp message.

As per SEBI norms, we cannot collect upfront payment for any period greater than 6 months, hence this restriction.

With over 5,000+ stocks listed on the NSE/BSE, stock market investing can be complicated. Investors are bombarded by stock tips, news, and pieces of advice.

We, at Teji Mandi, cut through the noise and simplify stock market investing for you and help you build a strong long-term portfolio.

Teji Mandi is a dedicated and diversified portfolio of 15-20 premium equity stocks. We do not provide any individual or stock-specific advisory because having too much exposure to a few stocks, or a specific industry can adversely affect your returns due to market downside and increased volatility.

Therefore, we prefer investors to invest in at least 15 stocks of diversified portfolios.

How much to invest initially or lump sum investment depends upon the individual’s risk caliber, financial stability, and fund allocation. With Teji Mandi, you can start your initial investment with any amount of more than Rs 20,000.

Whereas SIP as a disciplined financial approach helps to invest a fixed amount at regular intervals by eliminating the need to constantly monitor the markets and protect the portfolio against market volatility. With Teji Mandi, you can start SIP with a minimum initial amount equal to portfolio value and then a monthly SIP of Rs 6000.

As per the past result and data, there is no doubt that equities generate better returns than any other asset class over the long term. As equity markets are subject to market risks with scope for both loss and profits, investment returns vary due to changing dynamics and external market conditions. Teji Mandi believes in managing investors’ capital risk over guaranteeing returns in figures. Also, as per SEBI, we can’t assure any promises on the returns. We aim to partner with you to make you a better investor.

While investing in the equity stock market, understanding the business cycle is a must-have skill for a retail equity investor. The market is dictated by economic growth’s natural rise and fall – which leads to phases of expansion, peak, contraction, and trough. It’s hard to determine equity returns in shorter-term periods. Therefore Teji Mandi recommends that investors stay invested for at least one year to determine the overall portfolio performance and market indications.

The term ‘Smallcase’ is synonymous with a company of the same name. It uses the RA model for investing and is modelled around legacy portfolio management strategies that have so far been reserved for large investors. In simple terms, ‘Smallcase’ refers to a collection of a group of stocks based on a certain sector, technology or theme that SEBI-approved fund managers manage. No lock-in periods, affordable investment options, theme-based asset classes etc., are some of the features of Smallcase.

No. Rebalancing the Teji Mandi portfolio on the app and smallcase is done simultaneously.

While some Smallcase is free, some have subscription fees attached for use. Paid smallcases, also known as fee-based smallcases, are portfolios curated by SEBI-registered experts and provide a detailed view of constituents. The respective smallcase managers charge the fee, which may vary as per the services offered. With paid smallcases, investors get the benefits of research and other services, including periodic rebalance updates, SIP, tracking the portfolio etc.

Our USPs that give an edge to other managers on Smallcase include:

• We are a subsidiary of Motilal Oswal.
• Our portfolios – Flagship and Multiplier – are curated and actively managed by Research Team.
• You may see our past performances on Teji Mandi app or in our website https://tejimandi.com
• We share timely rebalance updates and also the rationale behind each stock picking.
• A subscription model with fixed fees and no hidden charges.
• Track your portfolio in an easy-to-use app in just a few clicks.
• We also offer a jargon-free daily newsletter to make you a better investor.

Teji Mandi Flagship is a concentrated portfolio of 15-20 stocks from the Nifty 500 that blends short-term tactical bets with long-term winners.

Liquid Stocks: We pick stocks from the Nifty 500, providing optimum liquidity.

Focused Stock Picking: We combine a portfolio of short-term tactical bets with long-term winners. This ensures that the investor gets the advantage of stocks that would compound over a 12-18 month period and is able to take advantage of a special company/sector situation from a 3-6 month perspective.

Disciplined Selling: We look to protect investor capital by exiting stocks under 3 situations:

• Company or industry fundamentals have started to change;
• Too much negativity around a company or sector;
• An extreme macroeconomic/market situation.

In some cases, we exit volatile stocks and hold the corresponding percentage of the portfolio in stable Liquid ETFs. Once an opportunity arises, we will deploy the capital in stocks that meet our criteria.

The multiplier portfolio is a concentrated yet well-diversified portfolio of midcap and smallcap stocks. These stocks are likely to be winners of tomorrow and hence hold the promise of significant wealth creation in the times to come.

Capital Allocation: We look for companies with a superior track record of capital allocation. Excellent corporate governance and capital allocation track record and strong, sustainable competitive advantages ensure that we identify winners.

Low Coverage of Mid and Smallcap: Analyst coverage of mid and smallcap stocks is much lower than large caps. This gives the fund manager an edge in spotting good businesses early and generating higher alpha.

Favourable Cyclical Upturn: Small and midcaps tend to perform in extremes and revive sharply after bouts of negative returns. After the correction in small caps in the past three years, we expect a significant revival in performance.

A detailed explanation of the differences in both portfolios is given below.

Largely, Flagship is a concentrated portfolio of 15-20 stocks that blends short-term tactical bets with long-term winners. This ensures that investors get the advantage of stocks that would compound over a 12-18 month period and is able to take advantage of the special company/sector situations from a 3-6 month perspective.

While Multiplier is a concentrated yet well-diversified portfolio of midcap and smallcap stocks. This portfolio is higher risk but expected to generate strong returns over the long-term of 4-5 years. The stocks in the Multiplier portfolio are potential multibaggers.

Yes, subscribers can invest in both of the portfolios at the same time.

Edge is a concentrated portfolio with 8-12 stocks, designed for investors seeking consistent short term performance amidst market volatility. This portfolio selects potential stocks poised to deliver reliable performance over shorter horizons.

Xpress Stocks is designed to capture price movements within a short-term horizon, typically over a few days to weeks. This strategy offers an agile approach for those seeking a dynamic trading experience.

Trade recommendations on individual stocks with Buy Price, Stop Loss, and Target Price.