We will have a good 2023 in terms of economy and markets; top 3 holdings remain unchanged: Milind Karmarkar

“Over a longer period of time, corporates will probably borrow from the stock markets in debentures and bonds rather than going to the banks. The real growth in banking will come from retail, where private sector banks are very well established and that is the reason why I am saying that they will probably do better than the PSU banks over a longer term.”