{"id":13497,"date":"2025-09-26T07:38:44","date_gmt":"2025-09-26T07:38:44","guid":{"rendered":"https:\/\/navia.co.in\/blog\/?p=13497"},"modified":"2025-09-26T09:43:20","modified_gmt":"2025-09-26T09:43:20","slug":"dandiya-discipline-navratri-lessons-on-factor-funds","status":"publish","type":"post","link":"https:\/\/navia.co.in\/blog\/dandiya-discipline-navratri-lessons-on-factor-funds\/","title":{"rendered":"Dandiya &#038; Discipline: Navratri Lessons on Factor Funds\u00a0"},"content":{"rendered":"<ul><li><a class=\"aioseo-toc-item\" href=\"#aioseo-dandiya-gossip-a-family-gathering\">Dandiya, Gossip &amp; A Family Gathering<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-steps-into-the-market-dance\">Steps into the Market Dance<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-when-the-beat-falters-you-dont-stumble\">When the Beat Falters, You Don\u2019t Stumble<\/a><\/li><li><a class=\"aioseo-toc-item\" href=\"#aioseo-festival-fortune-navias-tools\">Festival, Fortune &amp; Navia\u2019s Tools<\/a><\/li><\/ul>\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-ccacaa0c0d70dc11e78821ad27ad1d95\" id=\"aioseo-dandiya-gossip-a-family-gathering\" style=\"color:#233975\">Dandiya, Gossip &amp; A Family Gathering\u00a0<\/h3>\n\n\n\n<p>The mandap was alive with colour \u2014 twirling skirts, tinkling anklets, the aroma of freshly fried pakoras, and the steady beat of dholaks under a canopy of fairy lights. It was Navratri\u2019s fifth night, and the Chatterjee household in Vadodara had transformed their rooftop into a festive dance floor.&nbsp;<\/p>\n\n\n\n<p>Riya, visiting from Mumbai, joined her cousin Arjun in a brief lull between dance floors. As drummers switched rhythm, Riya sighed, brushing away sweat. \u201cThese nights pass too fast,\u201d she said. But Arjun saw a flicker of concern beneath her smile.\u00a0<\/p>\n\n\n\n<p>\u201cWhat\u2019s on your mind, Riya?\u201d he asked, handing her a glass of jaljeera.&nbsp;<\/p>\n\n\n\n<p>She hesitated, then said, \u201cI\u2019ve been trying to grow my savings more\u2014instead of just banking them\u2014and one of my friends suggested factor funds. But I don\u2019t really know what they are and how they work.\u201d&nbsp;<\/p>\n\n\n\n<p>Arjun nodded thoughtfully. The dance tunes shifted to a slow beat. \u201cActually, I recently rebalanced a chunk of my equity holdings into factor funds. It\u2019s a strategy I believe in. Let me walk you through it over the dance set, if you don\u2019t mind.\u201d\u00a0<\/p>\n\n\n\n<p>Riya\u2019s eyes brightened. \u201cPlease\u2014a live demonstration would help more than Google searches.\u201d&nbsp;<\/p>\n\n\n\n<a href=\"https:\/\/open.navia.co.in\/index-navia.php?utm_source=organic&#038;utm_medium=blog\" target=\"_blank\" style=\"display:flex; width:100%;\" ><img decoding=\"async\" src=\"https:\/\/d1l8l3rp33cdzs.cloudfront.net\/images\/naviacee\/Open-free-demat-account%20%28blog%29%20%281%29.gif\" width=\"80%\" \nheight=\"auto\"  style=\"border-radius:10px; margin:5px auto;\"\/><\/a>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-66ff7a912e07fa0cbdcb5ac7aab47612\" id=\"aioseo-steps-into-the-market-dance\" style=\"color:#ec4d37\">Steps into the Market Dance\u00a0<\/h3>\n\n\n\n<p>The next dance interval carried them toward the rooftop\u2019s edge, where the city lights met the night sky. Arjun pointed to the sea of friends dancing below. \u201cThink of investing as a grand dance. Random steps\u2014jumping in and out of <a href=\"https:\/\/navia.co.in\/blog\/factors-to-consider-selecting-penny-stocks-investment\/\" title=\"Decoding Penny Stocks: Factors to Consider While Selecting Penny Stocks for Investment\u00a0\">stocks<\/a> on hearsay\u2014is volatile and exhausting. But factor funds let you follow a smoother rhythm, based on rules.\u201d\u00a0<\/p>\n\n\n\n<p>He paused, raising his voice slightly over the drums. \u201cFactor investing means selecting stocks using measurable traits\u2014often called factors\u2014such as value, momentum, quality, or low volatility. You don\u2019t rely on gut calls; you rely on data.\u201d&nbsp;<\/p>\n\n\n\n<p>Riya frowned in concentration. \u201cSo I\u2019m not just picking random shares\u2014there\u2019s a structure behind it?\u201d&nbsp;<\/p>\n\n\n\n<p>\u201cExactly,\u201d Arjun said. \u201cIn India, factor-based funds have grown rapidly\u2014from just a few thousand crores a few years ago to tens of thousands as investors begin to appreciate disciplined methods.\u201d\u00a0<br>\u00a0<br>He added, \u201cOne way is single-factor funds. For instance, a <a href=\"https:\/\/navia.co.in\/blog\/unlock-market-opportunities-with-pay-later-mtf\/\" title=\"Unlock Market Opportunities with Pay Later (MTF) \u2013 Amplify Your Returns in Momentum Markets!\">momentum<\/a> factor fund invests in stocks that have been performing strongly recently. A value factor fund picks stocks trading below fundamentals. I also prefer multi-factor funds\u2014they blend multiple factors to smooth performance across cycles.\u201d \u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"626\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-2-1024x626.jpg\" alt=\"Factor Funds\" class=\"wp-image-13539\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-2-1024x626.jpg 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-2-300x183.jpg 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-2-150x92.jpg 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-2-768x469.jpg 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-2.jpg 1512w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-dde18916dfe26b7deef80efe7cdbf329\" id=\"aioseo-when-the-beat-falters-you-dont-stumble\" style=\"color:#233975\">When the Beat Falters, You Don\u2019t Stumble\u00a0<\/h3>\n\n\n\n<p>As the dandiya beat softened, Riya admitted, \u201cI once put money into a thematic tech fund just before a downturn\u2014it sank fast. I panicked and pulled out.\u201d&nbsp;<\/p>\n\n\n\n<p>Arjun patted her hand. \u201cThat\u2019s what many do\u2014chase what\u2019s hot and end up burned. Factors aren\u2019t magic\u2014when momentum fades or value lags, even factor funds can struggle. The trick is <a href=\"https:\/\/navia.co.in\/blog\/stock-market-portfolio-diversification\/\" title=\"Portfolio Diversification in 2025: Smart Ways to Build a Winning Stock Market Portfolio\">diversification <\/a>across factors, and patience across cycles.\u201d\u00a0<\/p>\n\n\n\n<p>He leaned in. \u201cAlso check costs and turnover. If a factor fund trades wildly, costs erode returns. Select funds with moderate expense ratios and transparent portfolios.\u201d&nbsp;<\/p>\n\n\n\n<p>Riya nodded, sipping her drink. \u201cOkay\u2026 so, multifactors for balance. But how do I start?\u201d&nbsp;<\/p>\n\n\n\n<p>Arjun smiled. \u201cStart small, perhaps via direct ETFs or mutual funds linked to factor indices like Nifty 200 Momentum 30 or Nifty 100 Quality 30. With these, investors can study how different factors behave over time and decide how to build their own <a href=\"https:\/\/navia.co.in\/blog\/risk-management-strategies-for-day-traders\/\" title=\"Risk Management Strategies for Day Traders\u00a0\">strategies<\/a>.\u201d\u00a0<\/p>\n\n\n\n<p>He added gently, \u201cRemember, though, these indices are just illustrations \u2014 not recommendations. It\u2019s about understanding the process and staying disciplined across cycles.\u201d &nbsp;<br>&nbsp;<br>Riya smiled. \u201cThat sounds like a structured way to learn, instead of guessing.\u201d&nbsp;<\/p>\n\n\n\n<p>He continued, \u201cI track exposure regularly\u2014and sometimes trim when a factor is overheating. That discipline keeps me grounded.\u201d&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"626\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-3-1024x626.jpg\" alt=\"\" class=\"wp-image-13541\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-3-1024x626.jpg 1024w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-3-300x183.jpg 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-3-150x92.jpg 150w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-3-768x469.jpg 768w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navrathri-3.jpg 1512w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-00e722a4113a7fec0c4ffd099f21603a\" id=\"aioseo-festival-fortune-navias-tools\" style=\"color:#ec4d37\">Festival, Fortune &amp; Navia\u2019s Tools\u00a0<\/h3>\n\n\n\n<p>The final rhythms were building toward a crescendo. The air throbbed with energy. Riya said softly, \u201cI wish there was a platform I could use to explore factor funds more systematically.\u201d&nbsp;<\/p>\n\n\n\n<p>Arjun\u2019s eyes glinted in the fairy lights. \u201c<a href=\"https:\/\/navia.co.in\/app.html\" title=\"\">Navia\u2019s All-in-One Trade &amp; Invest App<\/a> allows investors to explore ETFs, factor-based indices, and build portfolios.\u201d\u00a0<br>\u00a0<br>Riya was excited to hear about the app, \u201cThen let me try it out too!\u201d she said it with a broad smile.\u00a0<\/p>\n\n\n\n<p>As the last dandiya beat exploded, they rejoined the circle of dancers. Under the strings of lights and amidst swirling colours, Riya felt something shift\u2014not just the rhythm of dance, but the rhythm of her financial journey.\u00a0<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-9d7c9d51387f8fb75191c559f5e2d37d\">In that swirl of steps and strategies, she realized: investing needn\u2019t be a wild guess. Like a well-choreographed dance, factor funds could offer order, balance, and intelligence\u2014if she stayed disciplined, observant, and patient.\u00a0<\/p>\n\n\n\n<p class=\"has-cyan-bluish-gray-color has-text-color has-link-color wp-elements-f2734c9059a13cf278b130c1b1614ccd\"><em>This story is a fictional illustration created for educational purposes.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>Do You Find This Interesting?<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<p>We\u2019d Love to Hear from you<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/form.typeform.com\/to\/bpQ8ZlDc\"><img decoding=\"async\" width=\"300\" height=\"64\" src=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button-1.png\" alt=\"yes or no feedback form\" class=\"wp-image-8271\" srcset=\"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button-1.png 300w, https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/01\/Yes-No-Button-1-150x32.png 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/figure>\n<\/div>\n\n\n\n<p><strong>DISCLAIMER:<\/strong>\u00a0<strong>Investment in securities market are subject to market risks, read all the related documents carefully before investing. The securities quoted are exemplary and are not recommendatory. Full disclaimer:\u00a0<a href=\"https:\/\/bit.ly\/naviadisclaimer\">https:\/\/bit.ly\/naviadisclaimer<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dandiya, Gossip &amp; A Family Gathering\u00a0 The mandap was alive with colour \u2014 twirling skirts, tinkling anklets, the aroma of freshly fried pakoras, and the steady beat of dholaks under a canopy of fairy lights. It was Navratri\u2019s fifth night, and the Chatterjee household in Vadodara had transformed their rooftop into a festive dance floor.&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13576,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[207],"tags":[767,11,7,21,22,758,224,248,32],"class_list":["post-13497","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sunday-stories","tag-factot-funds","tag-financial-goals","tag-indian-stock-markets","tag-investments","tag-investor","tag-navia-all-in-one-app-2","tag-navia-app","tag-sundaystories","tag-wealth-creation"],"featured_image_src":"https:\/\/navia.co.in\/blog\/wp-content\/uploads\/2025\/09\/Navratri-story-feature-image.jpg","author_info":{"display_name":"Navia Markets","author_link":"https:\/\/navia.co.in\/blog\/author\/tradeplusonline\/"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/13497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/comments?post=13497"}],"version-history":[{"count":11,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/13497\/revisions"}],"predecessor-version":[{"id":13558,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/posts\/13497\/revisions\/13558"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media\/13576"}],"wp:attachment":[{"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/media?parent=13497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/categories?post=13497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/navia.co.in\/blog\/wp-json\/wp\/v2\/tags?post=13497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}