Who is he?
He’s not just another suit on Dalal Street. Raamdeo Agrawal is the guy who turned ₹0 into crores by doing one thing right — investing with patience and clarity. Co-founder of Motilal Oswal Financial Services, he’s one of the OGs of value investing in India.
Born in a small town, raised with simple dreams, and now a billionaire — he’s proof that wealth isn’t about where you start, it’s about how long you’re willing to play the right game.
🧠 His Money Mantra? QGLP.
You’ve heard of YOLO and FOMO — now meet QGLP, Raamdeo’s investing framework:
- Quality: Great companies with honest management.
- Growth: Profits must grow year after year.
- Longevity: The business should last decades, not just Diwali sales.
- Price: Buy only when it’s not overpriced (aka, don’t buy Gucci on EMI).
Simple? Yes. Easy? No. But Raamdeo built his empire on this formula — and so can you.
📈 From Bruises to Billionaire
He’s famous for buying what he calls “bruised bluechips” — top-quality stocks that have temporarily fallen out of favor.
Example? Asian Paints.
When the world panicked, he calmly said: “Downside limited, upside unlimited.”
That’s not a quote. That’s a mindset.
🔭 His Vision for India’s Stock Market
Raamdeo isn’t just investing in companies — he’s betting big on India’s future.
📌 He believes the Sensex can hit 1.5 lakh by 2030, and even 3 lakh by 2035.
📌 His logic? India is young, ambitious, and moving fast — and capital follows growth.
📘 What We Can Learn From Him (for just ₹500/month)
For all of us sipping chai and dreaming of compounding returns:
- Start small (₹500 is a vibe).
- Stay invested — don’t run at the first red candle.
- Focus on quality stocks or mutual funds.
- Review once in a while, but don’t micromanage.
Raamdeo didn’t become wealthy by flipping stocks. He became wealthy by holding on while others let go.
💬 Raamdeo-Style Quote to Remember
“Markets are like soap — the more you handle, the more you lose.”
💌 Paisa Pyaar Portfolio Pro Tip:
Add a “QGLP Check” section in your SIP tracker:
- ✔ Is the fund or stock high quality?
- ✔ Is it growing?
- ✔ Will it last 10+ years?
- ✔ Is it priced right?
If yes → invest. If no → sip chai, not FOMO.
🚀 Historic Multibaggers: The Faith That Paid Off
1. Hero MotoCorp (formerly Hero Honda)
- 🏍 In 1995, Raamdeo invested around ₹10 lakh at ~₹30/share.
- He held the stock for ~20 years. By 2015, it had hit ₹2,600/share.
- That turned into a 120× return, plus ongoing dividends amounting to ₹3–4 crore annually.
2. Vysya Bank
- His first-ever multibagger came in 1991 — bought around ₹22/share, which soared to ~₹2,200–2,300 in 2–2.5 years.
- That’s a 100× return — a huge validation for his early research-driven investing.
🔬 The “25‑25‑25 Formula” in Action
Raamdeo’s simple filters:
- 25% Sales Growth
- 25% Profit Growth
- 25% Return on Equity (ROE)
Historically, companies like Infosys (1993), Asian Paints (1995), and Hero Honda matched this and delivered huge boom returns.
- Asian Paints grew from around ₹50/share to ₹2,500+ over ~25 years → about 50× return.
- Infosys climbed from ₹20 (adjusted) to over ₹1,200 → roughly 60× return.
📋 Quick Summary Table
| 🏆 Investment | 🕰️ Time Span | 🔁 Approx. Return |
|---|---|---|
| Hero MotoCorp | ~1995–2015 | ~120× |
| Vysya Bank | ~1991–1993 | ~100× |
| Infosys | 1993–2015 | ~60× |
| Asian Paints | 1995–2020s | ~50× |
| Recent PSU, banking, retail picks | Present | 12–30% Upside |
🧠 Why This Matters for Paisa Pyaar Portfolio
- Start small, think long-term. Even ₹500 SIP invested consistently gets turbocharged with compounding.
- Use Raamdeo’s “25‑25‑25” filter to pick mutual funds or stocks: check for quality, consistent growth, strong ROE, and fair price.
- Add a “QGLP Check” section in your SIP tracker — make it your signature tool.
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