Ruch
Ruch

Pre-Market Analyzer™

Pre-market cues → position actions, plus an 11-step framework: risk → allocation → goals → review, war/metals context, horizon picks, mutual funds, fees, capital sizing, intraday exits & full portfolio tracking

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Designed & built with 💜 by
RUCH™
🌙 Abundance is my birthright — every number on this screen grows my wealth  ✦  💛 Grateful for today, excited for tomorrow
Not fetched

SGX Nifty (Singapore) ℹ️

Exact Open
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NASDAQ Futures ℹ️

Global Cue
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Dow Jones Futures ℹ️

Global Cue
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India VIX ℹ️

Volatility
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NSE Advances/Declines ℹ️

Breadth
Advances--
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Commodities (9:00 AM) ℹ️

Early Session
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Silver--
Crude Oil--
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Step 1 · Know Your Risk Profile

Step 1 of 4

Your risk tolerance decides your asset allocation. Answer 6 questions - the right mix of Growth, Income, Liquidity & Capital Safety depends on who you are.

🔥 Momentum Screener · Overbought & Bullish Stocks

Live RSI · MACD · Beta

Finds strong stocks — good financials + positive news, with momentum building over the past 1 week. Scans fundamental picks + top movers, computes RSI, MACD & Beta from real daily prices, sorts best momentum first, and flags overall-bullish stocks that are red today (buy-the-dip entries). The Net @ +10% column is your real profit after all fees (brokerage, STT, exchange, SEBI, stamp, DP, GST 18%). Plain-English explanations below the table.

₹ Net P&L accounts for brokerage, STT, exchange txn, SEBI, stamp, DP & GST.
ℹ️
RSI (14) — "heat meter" (0–100)
How hard the stock has been bought recently. Above 70 = overbought (bought up fast), below 30 = oversold. In strong stocks RSI can stay high for weeks — hot stays hot, so it's momentum, not panic.
MACD — "who's in charge?"
Two moving averages. When the faster line (MACD) sits above the slower signal line, buyers are in control (bullish). Green bars growing = momentum building.
Beta — "thrill factor"
How much the stock moves when the market moves 1%. Beta 1.5 = 1.5× as jumpy as Nifty (bigger ups, bigger downs). Beta 0.8 = calmer than the market.
1W / Trend — "this week's mood"
1W = change over the last 5 trading days. Overbought is NOT a sell signal alone — pair it with strong financials + good news and ride with stop-losses from Step 8/10.

🔔 Personal Watchlist · Overbought Alerts

Saved in your browser

Private list of symbols you're following — never shown as public recommendations. The app checks their live RSI and flags Overbought (RSI ≥ 70): heavy buying means strong momentum, and in strong stocks price can keep rising — hot stays hot. Everything stays in your browser.

Step 3 · Check A Stock Position (Live)

Step 3 of 4

Enter the stock you hold and what you paid. We fetch the live price automatically and recommend Buy / Hold / Sell / Book Profit. ℹ️

Step 4 · Goal Planning & Periodic Review

Step 4 of 4

Each goal needs the right asset mix. Growth for long-term, income for recurring needs, liquidity for immediate needs, safety for capital preservation. No single investment does all - so we match each goal to suitable investments.

Step 5 · Geopolitics, War & Metals

Step 5 of 12

Wars disrupt supply and push capital to safety. Gold spikes (safe haven), oil spikes (supply shock → inflation), silver follows gold plus industrial demand, and base metals are mixed. Move the risk dial to see the expected effect and which positions win or lose.

Calm / Peaceful
How war moves each asset:
  • Gold — classic safe haven; prices rise in conflict. Best owned via Sovereign Gold Bonds / Gold ETF.
  • Silver — "poor man's gold" + industrial metal. Rises with gold but needs industry demand to hold up.
  • Crude oil — war in producing regions cuts supply → price spike → inflation → hurts autos/airlines, helps ONGC/Reliance.
  • Base metals (copper/aluminium) — mixed: supply disruption is bullish, demand destruction is bearish. Defence & steel names can benefit.
  • Equities — risk-off in a serious war (except defence/gold stocks); VIX spikes, index falls.

Step 6 · Top Performers by Horizon

Step 6 of 12

Screened from the watchlist + fundamental picks using momentum, trend strength and today's market context (SGX/VIX/breadth). Short term = momentum + liquidity, Long term = quality + trend.

Scores are model-based on current market inputs (live quotes via the free Yahoo reader, or mock if offline). Always set a stop-loss — a pick can fail regardless of score.

Step 7 · Mutual Funds to Buy on Groww

Step 7 of 12

Direct plans on Groww carry no commission. You only pay: the fund's expense ratio (already inside the NAV), stamp duty 0.005% on buy, STT 0.001% on redemption of equity funds, and an exit load if you redeem too early (most equity funds: 1% within 1 year; debt funds: 0.25-0.5% within ~6 months). So: hold equity funds ≥ 1 year per installment.

FundCategoryExpenseExit loadMin SIPBucket

Why direct MFs on Groww?

  • Direct plan = lower expense ratio than regular (0.2-0.5% saved every year)
  • No brokerage on SIP or lumpsum, no hidden loads (except exit load if early)
  • Set & forget SIPs — auto-debit from bank, buy fraction of units
  • STT & stamp duty are fractions of a percent

💰 How much should YOU invest?

Have money now, or invest monthly from salary? Pick a mode — we split it across the funds above using your Step 1 risk profile (defaults to Moderate if you haven't done Step 1). All funds are searchable on Groww — direct plans, no commission.

Forex: ₹/USD ℹ️

🏦 RBI Bond Tranches · Dates, Pros/Cons & How to Buy

Reference

RBI savings bonds open in short subscription windows ("tranches") — only a few days, a few times a year. Compare all options below, then follow the exact steps. Current FRSB coupon: 8.05% p.a. (NSC 7.70% + 0.35%, valid 1 Jan – 30 Jun 2026).

Product Return Lock-in Buy via Tranche / Status Pros Cons
FRSB 2020 (Taxable) 8.05% p.a. (NSC +0.35%), resets every 1 Jan / 1 Jul 7 years Bank branch, Post Office, RBI Retail Direct ~5-day windows, 2–3× / year Sovereign-safe · no upper limit · typically beats FDs Interest fully taxable at your slab (10% TDS at source) · no exit before 7 yrs (except 60+) · not tradable
Sovereign Gold Bonds (SGB) Gold price + 2.5% p.a. interest (half-yearly) 8 yrs (exit allowed from yr 5) Bank, Post Office, broker apps Tranche-based; no new series since FY 2023-24 Capital-gain tax-free at maturity · no purity/storage risk Gold price can fall · interest taxable · 8-yr lock-in
RBI Retail Direct (T-Bills / G-Sec) Market yield — set by each weekly auction None — sell any time rbiretaildirect.org.in Weekly auctions — always open Liquid · no lock-in · low entry (₹10k) · transparent Bond price falls if rates rise · coupon taxable · retail exit can be thin

📅 FRSB tranche windows (recent, confirmed)

TrancheWindowOpen
V17–21 Jan 20225 working days
VI6–10 Feb 20235 working days
VII15–19 May 20235 working days
VIII14–18 Aug 20235 working days
IX8–12 Jan 20245 working days
X15–19 Apr 20245 working days
XI1–5 Jul 20245 working days
⚠️ RBI withdrew the FRSB operational-guidelines circular w.e.f. 02-Apr-2026. Before assuming any tranche is open, confirm the latest window on rbi.org.in (press releases) or ask your bank/Post Office.

🪜 Exact steps to buy FRSB

  1. Bank / Post Office (offline): pick up Form B (application) at any authorized branch of SBI, a nationalized bank, or a Post Office that issues FRSB.
  2. Fill in your PAN, Aadhaar, address, payout bank account & amount (min ₹1,000, in multiples of ₹1,000). No upper limit.
  3. Attach a PAN copy, ID proof & a cancelled cheque; fill the nomination (Form C) too — it's recommended.
  4. Pay — cash up to ₹20,000, or a cheque/DD for any amount. Keep the acknowledgement.
  5. Bond is credited to your Bond Ledger Account on payment realisation; a Certificate of Holding (Form A) follows within ~7 days.
  6. Interest auto-credits to your bank on 1 Jan & 1 Jul (TDS applies); principal returns after 7 years.

Online (RBI Retail Direct)

  1. Register at rbiretaildirect.org.in — PAN + Aadhaar e-KYC + your bank account → a Retail Direct Gilt account is opened.
  2. During a tranche window, log in → Retail Direct → subscribe to FRSB (min ₹1,000).
  3. Pay via net banking/UPI — bonds are credited immediately.
💡 SGB (if a series reopens): same route — apply at a bank/Post Office or via a broker app before the tranche closes. You get 2.5% interest + gold-price gains, and capital gains are tax-free if held to maturity.

💸 Tax on FRSB interest — how much you actually keep

Interest is fully taxable as "Income from Other Sources" at your slab rate (applies in both old & new regimes) — no 80C deduction. TDS is deducted at source and adjusted against your final liability at filing. Below: what you keep on a ₹1,00,000 bond at 8.05% (interest ≈ ₹8,050/yr, incl. 4% cess).

Your slab Tax on ₹8,050 Net interest kept Post-tax yield
Nil / Form 15G-15H₹0 (no TDS)₹8,0508.05%
5% slab≈ ₹419 (5.2%)≈ ₹7,631≈ 7.63%
10% slab≈ ₹837 (10.4%)≈ ₹7,213≈ 7.21%
20% slab≈ ₹1,674 (20.8%)≈ ₹6,376≈ 6.38%
30% slab≈ ₹2,512 (31.2%)≈ ₹5,538≈ 5.54%
🧾 TDS rules: banks deduct 10% TDS (Sec 193) on every interest payout — 20% if your PAN isn't on record. Submit Form 15G / 15H (income below the taxable limit / senior citizen) at the branch to skip TDS entirely. TDS is advance tax only — your true liability is set by your slab at filing. Figures above are illustrative and exclude surcharge (income above ₹50L).

Step 8 · Fees & Net-Profit Calculator

Step 8 of 12

Every trade has hidden costs. This shows the exact fees (brokerage per order, STT 0.1% buy+sell on delivery / 0.025% sell on intraday, exchange transaction charges 0.00307%, SEBI ₹10/crore, stamp duty, DP on delivery sells, and GST 18% on top) and the true net profit — plus the sell price you actually need to be net-positive, and the price needed to hit your target. Pick your broker below and its real brokerage is applied.

Delivery brokerage: Zerodha & Dhan ₹0 · Groww ₹20/order (0.05%, lower) · Upstox flat ₹20 · Angel ₹20/order (0.1%, min ₹5) · ICICI 0.55% · HDFC 0.50%. Intraday ₹20 cap for discount brokers. DP ₹13–20 on delivery sells.

Step 9 · Capital-Based Portfolio Builder

Step 9 of 12

Tell us how much you can invest this month and we'll size the whole plan: how much goes to equity/debt/gold/cash (from your Step 1 profile), which stocks with exact affordable quantities, and which SIPs to start.

Step 10 · Intraday Live Sell Monitor

Step 10 of 12

Tracks a live (or simulated) price feed and flags exactly when to exit: stop-loss hit, target reached, RSI overbought, momentum breakdown, or square-off before 3:15 PM. All fees are included in the net P&L.

Exit factors that decide a sell:
  • Stop-loss hit — price falls to SL (1.5× ATR). Sell; don't argue with the tape.
  • Target reached — book profit at target1/target2; greed turns winners into losers.
  • RSI > 75 — overbought; pullback likely.
  • Momentum breakdown — lower lows on rising volume; exit before SL.
  • Market reversal — VIX spikes / breadth flips negative; intraday, exit first, ask later.
  • Time stop — intraday positions must be squared off before 3:15 PM.
  • News — negative company/sector headline: exit immediately.

Step 11 · My Portfolio Tracker

Step 11 of 12

List every stock & mutual fund you hold with your average buy price and quantity. The tracker shows today's value, P&L after fees, and a sell plan: suggested sell date, quantity to sell now, projected net profit at each target.

⭐ Free plan tracks up to 3 holdings — upgrade for unlimited.

Step 12 · Real Estate & Infrastructure (REITs & InvITs)

Step 12 of 12

REITs own income-producing real estate — office parks, malls, warehouses — and must distribute ~90% of cash flows as quarterly income. InvITs do the same for physical infrastructure like toll roads and power lines. Units trade on NSE like shares (1 unit ≈ ₹65–₹400). Pick a category below; each card shows the ⭐ best choice for that sector.

*Distribution yield ≈ annual income per unit ÷ unit price (approximate, 2025-26). AUM, yield & occupancy are reference figures for education only — verify on NSE before investing. Not SEBI-registered advice.

🏆 Top Fundamental Picks Strong Moat + Uptrend

Stocks with durable competitive advantage, consistent earnings growth, clean balance sheets & strong technical momentum. Based on public financial data (FY24/FY25). These fit the Equity / Growth bucket of your allocation.

Decision Logic

✓ BUY Signals:

  • SGX Nifty green (positive)
  • NASDAQ/DOW futures green
  • India VIX < 15 (stable)
  • NSE Advances > Declines
  • Commodities supportive

✗ SELL Signals:

  • SGX Nifty red (negative)
  • NASDAQ/DOW futures red
  • India VIX > 15 (volatile)
  • NSE Advances < Declines
  • Commodities weak
Weightage: SGX (30%) + Global (25%) + VIX (20%) + Breadth (15%) + Commodities (10%)