In Neeraj Dewan's opinion, Kotak Bank and IndusInd Bank should provide decent returns for investors due to improving valuation after a long time of underperformance. Conversely, investors should look at Adani Group stocks from a valuation perspective, as only those companies with adequate valuations should be invested in, given the ongoing deleveraging plan. Leverage and cash flow are viewed as essential in selecting stocks and, as such, leveraged companies have performed poorly due to the pandemic.