Nirmal Shaji Joseph

Evaluates mutual funds on consistency of returns across 1-year, 3-year, and 5-year periods. Rewards funds delivering steady double-digit annualized returns — ideal for SIP investors.

Classic Buffett-style value investing criteria: low PE, high ROE, and minimal debt. Identifies companies trading below intrinsic value with strong returns on equity — the hallmark of a durable competitive advantage.