Geojit Financial Services


  • Geojit Financial Services ( one of the leading investment services companies in India, with a strong presence in the Gulf Corporation Council (GCC) countries.
  • In 1997, Launch of Portfolio Management Services with SEBI registration
  •  It has 11 lakh clients, a network of 460 offices and has Assets Under Custody and Management worth Rs 47,000 crore as on 31 December 2020.
  • BNP Paribas, C J George – Founder and Managing Director of Geojit, Kerala State Industrial Development Corporation (KSIDC) and Rakesh Jhunjhunwala are the prominent shareholders of the company.
  • Currently the portfolio manager is offered only Discretionary Portfolio Management Service to its clients

Key staff

C. J. George, Managing Director & CEO and Promoter – C. J. George, a financial services industry entrepreneur, is the founder and Managing Director of Geojit Financial Services Ltd. He has over 30 years of professional experience in the securities market. He has a Master’s Degree in Commerce and is a Certified Financial Planner (CFP) from Financial Planning Standards Board, India.

Ramanathan Bupathy, Chairman and Non-Executive Independent Director – R Bupathy is the founding partner of Chennai based Chartered Accountants firm R. Bupathy & Co. Mr. Bupathy graduated in Commerce and is a Fellow Member and Former President of the Institute of Chartered Accountants of India (ICAI). He holds directorship in Geojit Technologies Private Limited and Geojit Credits Private Limited. He has been on Geojit’s Board since 2006.

Dileep k. Fund Manager, PMS – He is the General manager and Head of Portfolio Management services at their corporate office in Kochi. Dileep k has 22 years experienced in capital market industry .

Portfolios managed

  • Geojit- Advantage Portfolio – SMALL & MID CAP
  • Geojit- Freedom Portfolio – MULTI CAP
  • Geojit- Dakshin Portfolio – MULTI CAP
  • Investment Strategy
  • The investment strategy is to provide Higher returns with minimum risk of capital.
  • To pick stock with good fundamental, undervalued, quality management, and better track record.
  • Portfolio strategies endeavors to generate relatively outsize returns by creating Benchmark Agnostic Concentrated portfolios of Quality stocks, based on fundamental research driven Bottom-Up stock picking.
  1. Advantage portfolio: To invest in predominantly in equity MID&SMALL CAP companies with sound track record, strong fundamentals, growth potential. The motive to invest in MID&SMALL CAP to earn higher return as the stocks have higher chances growth, as they tend to preform well to get a position in market. Benchmark is Nifty midcap 100.

Top five sectors: FMCG, Financial, Technology, Chemicals, Engineering.

Top five holding: cash & equivalents, Greenpanel Industries limited, Tata Elxsi LTD, 

Timken India Ltd, J B Chemical.

  1. Freedom Portfolio: To invest in Large Mid and small cap stocks which has strong fundamentals. Fund manager identify the stocks are undervalued and has growth potential and at a reasonable valuation. Benchmark is Nifty 500.

Top five sectors: Financial, Automobile, Chemical, Engineering, FMCG.

Top five holding: Kotak Mahindra Bank Ltd, Bajaj Finserv Ltd, Tube Investment of India Ltd, Titan Industries Limited, Timken India Ltd.

  1. Dakshin portfolio: A Multi cap Portfolio of 25 High Quality companies headquartered in 5 South Indian States. This is an equally weighted portfolio and will have only stocks with full market capitalization of less than 50,000 Crores. Dakshin Portfolio is a Passive Portfolio based on the custom index – MSCI South India Domestic High Quality 25 Index constructed by MSCI for Geojit Financial Services Ltd. Benchmark is Nifty 500.

Top five sectors: Technology, Financial, FMCG, Engineering, Healhcare

Top five holding: Can Fin Homes, Mind Tree Ltd, V-Guard Ind Ltd, Page Industries Ltd, 

K.P.R Mill Ltd

Investment philosophy

Our Stock Selection is based on a rigorous Bottom-up Investing Process driven by Fundamental Research and overlaid with a Top-Down macro view. We screen stocks against a Quantitative and Qualitative internal framework. In Quantitative screening, we use metrics like High Growth, High ROCE, High Cash Flow Conversion and Low Leverage. In Quantitative screening, we assess companies based on their Corporate Governance practices, Promoter Track Record and Promoter Share Pledges. Finally, we use a Valuation Process that includes a blend of science and art, to shortlist stocks that offer not only a high return potential but also a reasonable margin of safety.

Fees & charges

Option I – Flat fee of 3% ma. charged on a quarterly basis on the average of the beginning and ending NAV.

Option 2 – Flat fee of 2% pm. charged on a quarterly basis on the average of the beginning and ending NAV. An additional performance fee @ 20% is charged on gain in NAV over and above 15% ma. This is based on, the high watermark concept charged at the end of the year or on withdrawal. 

Option 3 – Flat fee of 1 % pm. charged on a quarterly basis on the average of the beginning and ending NAV. An additional performance fee @20% is charged on gain in NAV over and above 10% ma. This is based on the high watermark concept charged at the end of the year or on withdrawal. For Existing clients only client who have completed 1 year can move to the new fee structure at the beginning of any quarter.  

Exit Load

 Any withdrawal from PMS within a period of 1 year after investment will have an exit load of 1% and 2% for clients opening PMS through Joint Ventures

Analyst question

  1. In Dakshin Portfolio, you mentioned stock’s market capitalization limit is 50,000 cr,

Can you explain this condition?

  1. Why is there a limit of up to10% of the total scheme corpus to invest in single stock? 
  1. Why 17.56% of investments are parked in the large cap in advantage portfolio- mid & small cap?
  1. What is your exit strategy?

Prepared by Kavin Sadvilkar

May 2021



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