Sandip Sabharwal suggests that stocks like Voltas and Aditya Birla Retail are in the value zone on the consumer side and can be accumulated on dips. He believes these stocks have limited downside and expects a 25-30% return over the next one and a half years. Sabharwal also says SBI will have the lowest net interest margin (NIM) compression among PSU banks. Sabharwal mentions that the banking space may see a comeback if non-performing assets (NPAs) remain stable and do not increase.