If your investment horizon is for next 15-20 years, then it does not even matter if you buy a 100 rupees up or down in case of companies like HDFC Bank or Kotak bank… In fact there seem to be very few companies which will fit the bill for this kind of time period. So you can choose from companies with visibility of survival and growth for that period of time.
Personally speaking, I have never thought of investment beyond next 2-3 years. So I am not too sure if I am even the right person to be answering this kind of question.
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