Artificial intelligence (AI) is at the forefront of almost every sector, and investment is no exception.
At India Today Runsave Mumbai 2025, experts discussed how AI is changing stock market investments, whether it can replace traditional methods, and what role human judgment plays.
AI as a tool, not an alternative
Pramod Gubbi, co-founder of Marcellus, explained that AI is already being used in research and analysis.
“It takes about 15 days for the analyst for the first research into a new company. Today, AI can do it in 15 minutes. It's not 100% accurate, so it doesn't mean that AI will give you insights.
However, Gubbi stressed that AI should not be considered a substitute for human thinking, but a support system.
“AI is a tool. It doesn't provide the blinding insight that human analysts could arrive. For retail investors, mutual funds are because experts devote their time to research and learn from mistakes.
Simplify investments for retail participants
The discussion also highlighted the confusion faced by retail investors. Nilesh Shah, MD of Kotak Mahindra Asset Management, pointed out that despite growing awareness, many Indians prefer to maintain their money with cash rather than investment. “Currency notes worth Rs 380,000 are lying. Mutual fund investments are only 10-11,000 Rs. I'm still trying to convince people that money doesn't sit at home and grow.
Shah proposed the Multi-Asset Allocation Fund as a simple solution for investors. “Investing in one multi-asset allocation fund gives you exposure to debt, equities and precious metals. These funds are better than most individual investors. The message is simple. Don't complicate your investments if there is a simple solution,” he added.
Long-term market trajectory
Looking at the broader market outlook, MK Ventures promoter Madhusudan Kela reminded the audience of his previous predictions when Sensex was 3,000. “At the time I said it would be 30,000 and people didn't believe it. Today it's over 85,000. The direction is clear. I don't know the time frame, but it's one rak or two raks,” he said.
Kera noted that India has been affected by its wealth of $8 trillion in recent years, with most of it owned by Indian investors. “This is the biggest factor in the stock market. Many people who still hold cash will eventually understand the power of compounding and stock investment,” he said.
Experts agreed that AI changes the way research is completed, but does not replace human judgment. Diversification, discipline and professional management remain essential for retail investors. AI tools can make research faster and more accessible, but successful investment requires patience, long-term views and balanced asset allocation.
(Disclaimer: The opinions, opinions, recommendations and suggestions expressed by experts/subscription companies in this article are unique and do not reflect the views of the group today in India. We recommend that you consult a qualified broker or financial advisor before making any actual investment or transaction choices.)
