8 months ago
Experts Advise Global Diversification Amid Rupee Depreciation
The Indian rupee has been getting weaker over time, which affects people who have goals that cost money in foreign currencies, like studying or traveling abroad.
Experts like Saurabh Mukherjea suggest investing in both India and America to protect your money.
They say that putting half your money in India and half in America can give you better returns.
Other experts talk about how the rupee has lost value because of things like a trade deficit and people taking money out of India.
They advise using different ways to protect your money, like investing in gold or other countries' funds.
It's important to plan for the future by considering both local and global inflation and currency changes.
The Indian rupee has depreciated by around 40% every decade, with a recent exchange rate of 89.86 against the US dollar.
Experts advocate a 50-50 portfolio strategy between India and America to combat rupee depreciation and achieve higher returns.
A widening trade deficit, record gold imports, and foreign institutional investor outflows have contributed to the rupee's weakness.
Investors are advised to allocate 15-20% of their equity to overseas assets and consider hedging instruments like gold and international funds.
Planning for overseas goals should account for both domestic and global inflation, as well as currency depreciation, to avoid shortfalls.
- Who
- Saurabh Mukherjea, finance experts, and forex traders
- What
- Advise global diversification and hedging strategies to combat rupee depreciation
- Where
- India, with a focus on overseas investments
- When
- During an event in Bengaluru and recent market trends
- Why
- To mitigate the effects of rupee depreciation and diversify investment portfolios
Key facts
- Speaker
- Saurabh Mukherjea, Sachin Jain, Karan Aggarwal, Anooshka Soham Bathwal, Chanchal Agarwal
- Organization
- Marcellus Investment Managers, Scripbox, Elever, Dhanvesttor, Equirus Family Office
- Location
- Bengaluru, India
- Rupee Depreciation
- 40% per decade, 3-5% annually
- Indian Investments Abroad
- $30 billion annually
- GIFT City Investments
- Over $1 billion in six months
- Portfolio Strategy
- 50-50 India-America allocation, 15-20% overseas assets
- Historical Returns
- 14.2-14.3% over 20 years
- Current Account Deficit
- 1.4% of GDP in FY26
- Foreign Institutional Investors
- Withdrew Rs 1.55 trillion in 2025
- Rupee Exchange Rate
- 89.86 against US dollar
Timeline
Rupee plunges despite RBI's efforts.
Record low: 89.45 against USD.
Experts advise 'Global Indians' to act.
Rupee hits 90 per dollar.
Diversify: Invest in both Indian, US markets.
Quotes
K Rajaraman
Chairman of International Financial Services Centres Authority (IFSCA)
“If you look at the nature of the market, it is a largely institutional market.”
CNBC TV 18
“The most important element of investor protection is to ensure that the investor gets adequate information.”
CNBC TV 18
Sources
Saurabh Mukherjea’s ’50-50 India and America portfolio’ for ‘Global Indians’ to beat Rupee depreciation
IFSCA says GIFT City bond market remains institution-led, retail access to evolve over time
‘$12 billion gone every year..’: Why Saurabh Mukherjea says F&O trading is hurting Indian middle-class investors
Weaker Rupee: Plan Overseas Goals
