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  • How to Invest in US Stocks from India

    How to Invest in US Stocks from India

    Investing in US stocks from India has become increasingly popular in recent times. Today, many Indian investors are putting their money into global companies like Apple, Tesla, Amazon, and Nvidia. Digital investment platforms and the RBI’s simplified remittance policies have made this process easier. In this blog, you’ll learn how to invest in the US stock market from India safely and intelligently.

    Can Indians Legally Invest in US Stocks?

    Yes it is perfectly legal for Indian residents to invest in the US stock market when done according to the rules. The most important rule is the RBI’s Liberalized Remittance Scheme (LRS), which allows an Indian resident to invest or send up to USD 250,000 abroad per financial year, including direct investments in US stocks, ETFs, and other foreign investments.

    RBI and FEMA Regulations

    • Legal Framework : The Foreign Exchange Management Act (FEMA) governs this and regulates all foreign investments.
    • LRS Limit :  Each individual is allowed to remit up to ₹2.25 crore (approximately USD 250,000) abroad, which can be used for investing in US stocks.

    Ways to invest in US stocks

    There are several easy and reliable options available today for investing in the US stock market from India. You can choose from the methods below based on your needs and risk profile.

    1. Investing Directly in US Stocks : In this method, you directly buy shares of American companies such as Apple, Google, Tesla, or Amazon. To do this, you need to open an account on an international investment platform. Platforms like INDmoney, Vested, and Groww offer this facility in India. Here, you can also buy fractional shares, meaning that even if a share price is high, you can still buy a small portion of it. This option is quite useful for new investors.
    2. Investing Through Mutual Funds : If you are not comfortable choosing individual stocks, international mutual funds can be a better option for you. These funds invest in American companies or indices. In this case, your money is managed by a professional fund manager, which reduces the stress of research. However, you don’t have the freedom to choose individual stocks.
    3. Investing Through ETFs : ETFs are suitable for investors who want to invest in multiple companies simultaneously. These funds typically track indices like the S&P 500 or Nasdaq 100. The advantage is that you get good diversification at a low cost, and the risk is also reduced.

    How to Buy US Stocks from India

    1. Choose a Platform

    Select a reliable app that offers access to US stocks, clearly displays its fees, and is easy to use.

    2. Complete KYC

    KYC (Know Your Customer) verification is required to open an account. This involves uploading necessary documents to verify your identity and address.

    The good news is that this entire process is usually done online and doesn’t take much time.

    3. Transfer Funds

    Transfer funds from your bank account. The money will be converted to US dollars and credited to your account.

    4. Buy Shares

    Search for the company, enter the amount you want to invest, and buy the shares. You can even buy fractional shares.

    5. Monitor Your Portfolio

    Regularly check how your investments are performing.

    How to Invest in Nasdaq from India 

    What is Nasdaq?

    Nasdaq is a popular stock exchange in the United States, where most technology and innovation-focused companies are listed. This is where shares of major companies like Apple, Microsoft, Google, Amazon, Meta, and Nvidia are traded. For this reason, it’s often referred to as a hub for tech companies. If you have confidence in the technology sector, Nasdaq could be a good option for you.

    Ways to Invest

    1. Buying Shares Directly : You can buy shares of these companies directly. This requires an international trading platform.
    2. Investing in Nasdaq ETFs : If you want to cover the entire sector instead of choosing individual companies, the Nasdaq 100 ETF is a better option. It allows you to invest in several large tech companies simultaneously.
    3. Through Indian Mutual Funds : There are also some mutual funds in India that invest in companies listed on Nasdaq. These are suitable for those who don’t want to select individual stocks themselves.

    Mutual Funds that invest in US stocks from India

    S.NoFund NameAUM (Rs Cr)3 Years Return (%)5 Years Return (%)Current NAV
    1Motilal Oswal NASDAQ 100 FOF Fund Direct6,159.1536.15%19.21%47.8342
    2Franklin U.S. Opportunities Equity Active FoF Fund4,465.2524.66%10.67%90.8343
    3Kotak US Specific Equity Passive FoF Fund3,769.8935.78%–23.3484
    4Edelweiss US Technology Equity FoF Fund3,640.4237.48%13.19%34.3526
    5DSP US Specific Equity Omni FoF Fund1,068.0425.47%18.73%86.4890
    6Invesco India – Invesco EQQQ NASDAQ-100 ETF406.9234.86%–21.6847
    7Bandhan US specific Equity Active FoF357.00––18.8810
    8Edelweiss US Value Equity Offshore Fund192.0715.33%15.04%41.7112
    9Bandhan US Treasury Bond 0-1 year Specific136.03––12.5394
    10Mirae Asset Global Electric & Autonomous Vehicles Equity58.77––15.0410
    (Data as of 21 Jan 2026)

    Charges & Hidden Costs You Must Know

    1. Brokerage Fees : Every platform charges a small fee for buying and selling shares. Some have a fixed charge, while others use a percentage-based fee.
    2. Currency Conversion Charges : When converting rupees to dollars, the bank or app applies a forex markup. This is often the biggest hidden cost.
    3. Bank Remittance Fees : Banks may charge a transfer fee when sending money abroad.
    4. Platform Charges : Some apps also charge account maintenance or withdrawal fees.
    5. Tax Deductions : Taxes are deducted in the US on dividends, which can later be adjusted in your income tax return (ITR).
    6. Important Lesson : New investors often overlook these costs and later get upset when they see lower returns. Therefore, it’s crucial to understand the fees before investing.

    Taxation: Taxes on US stocks for Indian investors

    1. Capital Gains Tax applied

    When you earn a profit by selling US shares, the tax is payable in India.

    The US generally does not levy capital gains tax on non-residents.

    Tax is applied in two ways :

    • Short-Term Gains : If you sell shares within a short period, the profit is added to your income and taxed according to your tax bracket.
    • Long-Term Gains : Holding shares for a longer period results in a lower tax rate. Currently, it is considered to be around 12.5% ​​+ cess (subject to change as per regulations).

    2. Dividend Tax

    When a US company pays you dividends, the US already deducts approximately 25% tax. This is called Withholding Tax.

    • This deduction is made under the India-US DTAA (Double Taxation Avoidance Agreement).
    • You also have to declare the same dividend income in your ITR (Income Tax Return) in India.
    • However, you can claim a Foreign Tax Credit to avoid paying tax twice.

    3. Reporting in ITR (Income Tax Return)

    If you have invested in US stocks, you must declare this information in your ITR.

    • Details of foreign investments must be filled in Schedule FA.
    • Both dividends and profits must be shown as income.
    • Filing the correct documents is essential to claim the tax credit.

    4. Double Taxation Avoidance Agreement (DTAA)

    There is a Double Taxation Avoidance Agreement (DTAA) between India and the US.

    The benefits are :

    • You don’t have to pay tax twice on the same income.
    • The tax deducted in the US can be adjusted against your tax liability in India.

    Important risks to understand before investing US stocks

    1. Currency Risk : You invest in rupees, but the returns are in dollars. If the dollar weakens, your returns could be affected.
    2. US Market Volatility : The US market, especially tech stocks, experiences rapid fluctuations. Therefore, short-term losses are possible.
    3. Global and Geopolitical Events : Factors such as wars, elections, or changes in interest rates can immediately impact the US market.
    4. The Mistake of Over-Diversification : Holding too many stocks can dilute returns. Focusing on quality stocks is a better approach.
    5. Emotional Trading : Buying or selling based on fear or greed is the biggest mistake.
    6. Long-Term Perspective is Essential : The real benefits of investing in US stocks are realized over the long term; patience is crucial.

    Conclusion

    Investing in US stocks has become a smart move for Indian investors today. ​​If you choose the right platform, understand the costs and taxes beforehand, and make decisions without rushing, it can be very beneficial. The real advantage comes when you invest with a long-term perspective.

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    Frequently Asked Questions (FAQs)

    1. How to invest in US stocks from India?

      Open an account on a reliable app, complete KYC, transfer money, and buy shares.

    2. Is it legal to invest in the US stock market from India?

      Yes, it is completely legal under the RBI’s LRS scheme.

    3. How much money can I invest in US stocks?

      You can invest up to USD 250,000 per year.

    4. Do I need a US bank account?

      No, you can invest using your Indian bank account.

    5. Can I buy US stocks with a small amount?

      Yes, you can buy even with a small amount using fractional shares.

    6. Is tax applicable on US stock profits?

      Yes, you have to pay tax on the profits in India.

  • Platinum Price Forecast in India (2026–2030)

    Platinum Price Forecast in India (2026–2030)

    If you are like most Indian investors, then you are probably poring over your portfolio, thinking about what the next big move could be. But while you are busy fine-tuning your SIPs and investing in the latest trends for equities, you may well have missed the huge opportunity lying before you. It is not Gold. Nor is it Silver. It is Platinum.

    For many years, Platinum was the dull nephew of the precious metals group and frequently sold below the price of gold; a weird occurrence that both befuddled and confused analysts and researchers alike. But then the latter half of 2025 turned everything upside down.The price woke up as the world finally grasped a simple and painful fact that we are running short of stuff. South African mines are struggling to pay the electric bill and a hydrogen economy that had long existed on PowerPoints is now on its way to the production floor.

    Historical Trend of Platinum Price in India

    Historically a niche luxury in India, platinum has transformed from an “elite-only” metal in the early 1900s to a modern favorite for millennials today. While gold remains the traditional choice for weddings, platinum also has carved a unique space celebrated for its durability and understated elegance. Beyond adornment, it is a strategic industrial powerhouse, critical for automotive catalytic converters and now, the Green Hydrogen economy.

    Price Trends (Per 10g):

    • 2022: Rs.25,000 – Stable demand.
    • 2023: Rs.27,500 – Moderate growth.
    • 2024: Rs.25,000 – A temporary dip due to global economic shifts.
    • 2025: Rs.50,000 – A breakout year ending with a massive surge towards Rs.70,000+. 

    Recent price hikes are driven by severe supply deficits in South Africa and its new status as a key “Green Energy Metal,” making it a dual-asset class of luxury and utility.

    Year-by-Year Price Forecast (2026-2030)

    YearPredictions 
    2026The year begins with the price ranges touching Rs.65,000 for every 10g. The market is adjusting to a monumental shortage created in the previous year. With the SA mines under threat due to electricity shortages, the supplies are not going to be able to match this demand.
    2027The Indian Green Hydrogen Mission goes from the drawing board to implementation. The massive electrolyzers required for green power use platinum. This represents freshly minted, greed-driven demand emerging from industrial majors like Reliance. The price might touch up to Rs.75,000. 
    2028The tremendous surge witnessed in the Hybrid segment in Cars (which consumes more platinum as compared to a normal car), the industrial engine is running on all its cylinders. Without the addition of the new mine, the price might touch Rs.85,000-Rs.90,000. 
    2029The absence of mining expenditures in the 2020s will have effects. Several years are required to excavate a new mine, and thus demand will see a steep rise while mining remains stagnant. Recycling will not help to fill the deficit and the price might  cross Rs.1,00,000 for 10 grams of Platinum.
    2030Platinum is famous till this year as it is essential for eco-friendly energy, specifically for Hydrogen Power. The Hydrogen fuel industry cannot function without platinum (essential ingredient), due to this price will surge even more. Investors waiting for the price jump will have the right opportunity to earn profits.  

    Read Also: Gold Rate Prediction for Next 5 Years in India

    Key Drivers

    The South African Power Crisis, where as per estimation South Africa has 70% of the world’s platinum. Deep underground mining requires huge amounts of electricity for ventilation and cooling. But South Africa’s power utility, Eskom, has struggled for years with stability. Every time the power goes out-known as load shedding-the mines stop working. Supply is “inelastic” meaning even if prices go up, miners cannot simply dig faster because they physically don’t have the power to do it.

    For a long time, Palladium was much more expensive than Platinum. So, car makers switched and they started using cheaper Platinum in their catalytic converters instead of Palladium to clean exhaust fumes. It takes years to design and certify a car engine, so this demand is not going away anytime soon. This “substitution” has created a massive, steady floor of demand from the auto industry that many analysts underestimated.

    Platinum Industrial Demand

    • The Auto Sector : All of us believe that electric car sales (EVs) will cause the end of platinum demand because EVs do not require catalytic converters. This is true, but it is not happening as quickly as we thought it would. Meanwhile, the Hybrid car industry is booming. Hybrids are gas engines. They start up and shut down often. Hybrids emit low pollutants when the car is started from a stop. They use more platinum than traditional engines because of platinum’s effectiveness.
    • The Jewelry Market : In India, platinum has discovered a new and devoted clientele in Men. The ‘Men of Platinum’ movement has successfully established platinum as a status symbol in younger generations of Indian men who consider gold to be too flashy and conventional. There were double-digit sales in the last year. This forms a solid consumption base, oblivious to the cycles of industry and hydrogen, just needing the metal for weddings and celebrations.
    • The Investment Sector : Today China is stockpiling platinum. It is a strategic material for them, much like petroleum or copper. If the world’s largest producer of manufactured goods stores a particular metal, it is a strong indication that they forecast an escalation in prices. Indian investors are just starting to wake up to this trend, adding platinum to their portfolios as a hedge against inflation and currency risks.

    Factors Affecting Platinum Price in India

    • One Source Problem : South Africa being the power house with a production capacity of 70-80% is still facing severe electricity shortage and aging mines due to this the mines cannot run at full capacity. This has a long term effect due to structural shortage that will create long-term upward pressure on prices. 
    • Essential Ingredient for Green Energy : Green Hydrogen fuel is rising and platinum acts as a critical ingredient for production. India companies have started building clean energy plants to meet government goals, leading to increased demand for platinum. 
    • Dollar Connection : Since platinum is mostly imported and the payment is done in Dollars and the increasing dollar price is a concern. If the Rupee gets weaker against the Dollar, platinum will get even more expensive, even if the global prices are the same.  
    • Hybrid Cars : Everyone thought Electric Vehicles (EVs) will make platinum as EVs don’t have exhaust pipes but with the introduction of hybrid cars people are switching to them as they run on both battery and fuel making it a preferred choice for many. And Hybrid cars require more platinum to keep their engine clean, leading to an increased demand.  

    What This Means for You:

    • For the Buyer: If it’s a wedding that involves buying platinum jewelry, don’t delay. The days of “platinum being cheaper than gold” might just be counted because now the trend is reversing. So, buy now before the industrial premium affects prices.
    • For the Investor: You don’t simply invest in Platinum on the stock exchange. Unlike Gold, currently, you do not have the option to invest in Platinum ETFs on the National Stock Exchange or the Bombay Stock Exchange. You cannot simply click on the app of your stock broker and order units of ‘Platinum BeES’.
    • Digital Platinum: Websites such as eBullion enable you to purchase platinum online. They keep the physical metal in a vault for you. At present, this is the most convenient way of getting exposure for an individual investor in India.
    • US ETFs: If you can trade in US Markets, then investing in US ETFs like PPLT (Brand Physical Platinum Shares) is also possible. It’s the best way to enter the US markets. You can buy coins from banks or mints, but be careful.

    Read Also: Silver Rate Prediction for the Next 5 Years in India

    Conclusion

    We are standing at the start of a cycle, 2025 proved that the surplus is gone, 2026 is about the deficit biting. For India, platinum is no longer just a luxury metal; it is a strategic necessity for our green energy goals. The combination of South African supply risks and Indian industrial demand creates a perfect storm for higher prices.

    If you are looking to diversify beyond gold and stocks, platinum offers a compelling story. It is undervalued, essential, and scarce. Just make sure you know how to buy it, because the usual Indian routes won’t work.

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    Frequently Asked Questions (FAQs)

    1. Why is the Platinum price rising in 2026?

      Demand is up from hybrid cars and the new hydrogen industry, but supply is down because South African mines are facing severe electricity shortages. When you need more than you have, prices go up.

    2. Can I buy Platinum ETFs in India?

      No. As of today, there are no Platinum ETFs listed on Indian stock exchanges like NSE or BSE. You can buy Gold or Silver ETFs, but not Platinum. You have to use digital platforms or invest in US-based ETFs.

    3. Is Platinum better than Gold for investment?

      Gold is a safety net; it protects you when the world is scary. Platinum is an industrial bet; it grows when the economy and technology grow. Right now, Platinum is historically cheap compared to Gold, which gives it more room to grow.

    4. Will electric cars kill Platinum demand?

      While pure EVs don’t use platinum, Hybrid cars use more platinum than regular cars. Also, new Hydrogen trucks (FCEVs) use a lot of platinum. These sectors will keep demand alive for decades.

    5. What is the “Men of Platinum” trend?

      It is a marketing shift in India where Jewelry brands found that young men prefer the subtle, modern look of platinum over bright yellow gold. This has created a new, growing market for platinum chains and bracelets in India.

  • Why Is the Gold Price Going Down?

    Why Is the Gold Price Going Down?

    Gold prices do not always move in one direction; there is always a phase of rise and fall in prices. And gold prices have fallen from their recent highs. Investors are curious why the prices are falling. This sudden movement has caught investors’ attention, raising questions and discussions across the market as they try to understand the shift in gold’s short-term trend.

    In today’s blog post, we will give you the key reasons why the gold price is going down.

    Why are gold prices going down?

    The key reasons behind why gold prices are going down are as follows:

    1. Strengthening the US Dollar: Generally, gold prices move opposite to the US dollar. If the dollar strengthens, gold becomes expensive for buyers, which reduces demand and pushes the price down.
    2. Increasing Interest Rate: Rising interest rates make fixed-income investments more attractive to investors. Therefore, investor’s moves towards it and shift away from it. 
    3. Profit Booking: The gold prices have risen significantly in the past few months, and investors are booking profits in it, which creates short-term pressure on it.
    4. Geopolitical Tension: Gold is often considered a haven. And as the global tensions are easing the demand for gold decreases. 
    5. Decreasing Inflation: As inflation is slowing down, the need to hold gold decreases, as it is used as a hedge against inflation.
    6. Shift in demand for jewellery: Recent higher gold prices have caused many buyers to delay their purchase, which causes further pressure on the gold prices.

    Past 5 Years Gold Returns

    The past years’ gold returns are as follows:

    YearGold Price (₹ per 10g, 24 K)Approx. YoY Return (%)
    201939,108—
    202050,15128.20%
    202148,099–4.1%
    202255,01714.30%
    202363,20314.90%
    202478,24523.80%
    20251,02,17030.60%

    Based on the above table, we can conclude that only 2021 saw a slight decline because of post pandemic period, and for the rest of the duration, Gold has delivered double-digit returns, including the last year 2025.

    Importance of Gold Prices in the Indian Economy

    1. Household Preferred Store of Value: The Indian families have a deep faith in gold as a secure store of value. With the rise in the price of gold, the net worth of households rises, particularly in rural India, where gold is a significant type of savings. Gold prices also increase investor confidence in gold as a risk hedge in times of economic uncertainty.
    2. India Import Bill and Current Account Impact: The majority of the gold is imported into India. When the price of gold goes up, the country’s import bill goes up and may cause a widening of the current account deficit and strain on the rupee. On the other hand, low or stable gold prices assist in minimising external trade pressure.
    3. Investment and Financial Markets: The prices of gold have an influence on the allocation of investors to gold, equities, and fixed income. An increase in prices is normally a sign of economic uncertainty, whereas a decrease in prices may indicate an increasing risk appetite. Gold ETFs, Sovereign Gold Bonds and digital gold have also made gold a stronger force in India’s financial system.
    4. Policy Decisions and Government Measures: Sudden spikes in the price of gold usually cause government intervention either by adjusting import duty or encouraging financial gold (SGBs, Gold ETFs) to minimise physical gold demand and control foreign exchange outflows.

    Factors Affecting Gold Prices in India

    Gold prices in India are affected by various factors, a few of which are as follows:

    1. International Gold Prices: Gold is traded in US dollars around the world. The Indian gold rates are directly affected by any increase or decrease in the world gold prices.
    2. US Dollar and Rupee Exchange rate: A depreciated Indian rupee against the US dollar will make imports of gold more costly, which will raise domestic gold prices despite the global price being steady.
    3. Inflation: Gold is considered a hedge against inflation, and when it rises, investors start to purchase gold, which increases the demand and pushes the prices upward.
    4. Interest Rate: If the interest rate in the economy is reduced, the fixed income securities or investment options become less attractive; hence, investors move towards gold as an investment vehicle, which increases demand and puts pressure on the price.

    Conclusion

    On a concluding note, gold prices have shown a sudden fall after making a lifetime high. Investors are in confusion about why prices are falling, but the key reasons behind such a fall include weakening INR, profit booking, lower interest rates, geopolitical conditions, etc. However, they need to understand that decreasing gold prices reflect the improving economic conditions. If an investor is looking to invest in gold, they can easily invest through Gold ETFs, mutual funds, etc., Platforms like Pocketful make the process simple and convenient, but only after consulting with their investment advisor. 

    Frequently Asked Questions (FAQs)

    1. Why is there a sudden sharp fall in gold prices?

      The key reasons behind the fall in gold prices include improving geopolitical conditions, profit booking after recent highs, and shifting investor sentiment in the short term.

    2. Is it the right time to invest in Gold?

      Yes, it is the right time to invest in gold, but one should make a strategic allocation by investing through SIPs.

    3. Will Gold prices rise again in future?

      Yes, Gold prices will rise again in future as historically gold has shown a cyclical movement. The current correction is short-term; in the long run, gold prices will rise.

    4. How does the Indian rupee affect gold prices?

      India primarily imports gold from other countries, and a weakening INR can put pressure on gold prices, whereas a stronger rupee can help in stabilising the gold prices.

    5. How stock market affect gold prices in an economy?

      If the stock market is performing well, people will shift towards the capital market, which reduces the demand for gold, and prices will fall.

    Gold Rate in Top Cities of IndiaSilver Rate in Top Cities of India
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    Gold rate in BangaloreSilver rate in Bangalore
    Gold rate in BhubaneswarSilver rate in Bhubaneswar
    Gold rate in ChandigarhSilver rate in Chandigarh
    Gold rate in ChennaiSilver rate in Chennai
    Gold rate in CoimbatoreSilver rate in Coimbatore
    Gold rate in DelhiSilver rate in Delhi
    Gold rate in HyderabadSilver rate in Hyderabad
    Gold rate in JaipurSilver rate in Jaipur
    Gold rate in KeralaSilver rate in Kerala
    Gold rate in KolkataSilver rate in Kolkata
    Gold rate in LucknowSilver rate in Lucknow
    Gold rate in MaduraiSilver rate in Madurai
    Gold rate in MangaloreSilver rate in Mangalore
    Gold rate in MumbaiSilver rate in Mumbai
    Gold rate in MysoreSilver rate in Mysore
    Gold rate in NagpurSilver rate in Nagpur
    Gold rate in NashikSilver rate in Nashik
    Gold rate in PatnaSilver rate in Patna
    Gold rate in PuneSilver rate in Pune
    Gold rate in RajkotSilver rate in Rajkot
    Gold rate in SalemSilver rate in Salem
    Gold rate in SuratSilver rate in Surat
    Gold rate in TrichySilver rate in Trichy
    Gold rate in VadodaraSilver rate in Vadodara
    Gold rate in VijayawadaSilver rate in Vijayawada
    Gold rate in VisakhapatnamSilver rate in Visakhapatnam
  • How to Pledge ETFs for Margin in India

    How to Pledge ETFs for Margin in India

    Today, smart investors are choosing to pledge their ETFs to obtain margin rather than selling them. This allows them to utilize additional funds while retaining their holdings, which is beneficial for trading and short-term opportunities. This approach not only improves financial planning but is also more tax-efficient. In this blog, we will explain the rules, benefits, and risks associated with ETF pledging in simple terms.

    What Does Pledging ETFs for Margin Mean?

    When you pledge your ETF holdings as collateral with your broker instead of selling them, it’s called pledging. In return, you receive additional margin for trading. Simply put, your ETF units remain in your demat account, but the broker considers them as security and provides you with funds.

    What is the difference between selling and pledging an ETF?

    PointOn selling ETFsOn pledging ETFs
    OwnershipYou lose ownershipYou remain the owner
    How funds are receivedAfter selling the ETFWithout selling
    Tax impactCapital gains tax may applyNo tax impact
    Dividend benefitNo dividendDividend continues

    Does the ETF remain in your name after pledging it?

    Yes, absolutely. Even after pledging, the ETF remains in your demat account. The only difference is that the broker has a security right over it. The ETF remains pledged until you repay the margin loan.

    Your rights remain intact

    Even after pledging the ETF:

    • You remain the true owner.
    • You receive dividends.
    • You benefit from any corporate actions (such as splits, dividends).
    • Just remember that you cannot sell the ETF while it is pledged.

    How do you receive dividends and benefits from corporate actions?

    If a dividend is declared on your pledged ETF, it will be credited directly to your account. Similarly, if there is a unit split or any other corporate action, it will be applied in the usual way.

    Read Also: Margin Pledge: Meaning, Risks, And Benefits

    Key Rules for Pledging ETFs

    Before pledging ETFs for margin, it is crucial to understand these important rules to avoid any potential losses.

    RuleMeaning 
    Haircut %The broker deducts a portion of the ETF value as security.
    Approved ETFsOnly highly traded (liquid) ETFs are accepted.
    Daily MTMThe margin value is updated daily.
    Interest ChargesNo interest is charged for  intraday trades. 
    Liquidation RiskThe broker can sell the ETF if its value falls below initial margin.

    What do SEBI regulations say?

    According to SEBI, all securities must now be pledged through the CDSL/NSDL system. This makes investors’ holdings more secure, and prevents anyone from using shares or ETFs without permission. This rule has been implemented to increase transparency and safety.

    Why do different brokers have different policies?

    Each broker has:

    • A different haircut percentage
    • A different interest rate for overnight trades
    • Different policies regarding which ETFs can be pledged

    Therefore, always check your broker’s margin policy before pledging your securities.

    How to Pledge ETFs? 

    The process of pledging ETFs is similar across almost all brokers. Whether you’re using the Pocketful app or another trading platform, the basic steps remain the same:

    Step 1: Log in to your trading app

    First, log in to your broker’s app or website (such as Pocketful).

    Step 2: Go to the Holdings section

    Go to your portfolio and select the ETF you want to pledge.

    Step 3: Select the Pledge option

    Click on the Pledge or Margin option provided next to the ETF.

    Step 4: Verify with OTP

    You will receive an OTP on your registered mobile number from CDSL/NSDL. Enter the OTP to confirm the process.

    Step 5: Wait for margin credit

    After confirmation, the specified margin will be credited to your account within a short time.

    Read Also: MTF Pledge vs Margin Pledge – Know the Differences

    Key Rules for Pledging ETFs

    Before pledging ETFs for margin, it is crucial to understand these important rules to avoid any potential losses.

    RuleMeaning 
    Haircut %The broker deducts a portion of the ETF value as security.
    Approved ETFsOnly highly traded (liquid) ETFs are accepted.
    Daily MTMThe margin value is updated daily.
    Interest ChargesInterest is charged on the margin used.
    Liquidation RiskThe broker can sell the ETF if its value falls.

    What do SEBI regulations say?

    According to SEBI, all securities must now be pledged through the CDSL/NSDL system. This makes investors’ holdings more secure, and prevents anyone from using shares or ETFs without permission. This rule has been implemented to increase transparency and safety.

    Why do different brokers have different policies?

    Each broker has:

    • A different haircut percentage
    • A different interest rate
    • Different policies regarding which ETFs can be pledged

    Therefore, always check your broker’s margin policy before pledging your securities.

    Which ETFs Are Eligible for Pledging?

    Not all ETFs can be pledged. Generally, only those ETFs with good liquidity and stability are accepted.

    ETFs that are commonly accepted :

    • Nifty 50 ETFs : Easily accepted due to high trading volume
    • Sensex ETFs : Considered reliable due to the stable index
    • Gold ETFs : Accepted by many brokers due to low volatility
    • Liquid ETFs : Due to low risk and high liquidity

    ETFs that are not easily accepted:

    • Low Volume ETFs : Those with low trading activity
    • Sector-based ETFs : Due to higher volatility
    • International ETFs : Many brokers do not allow them due to foreign exposure

    Benefits of Pledging ETFs

    1. Funds without selling holdings : Pledging your ETFs means you don’t have to sell your long-term investments. Your holdings remain secure, and you get the funds when you need them.
    2. Lower interest rates : Compared to personal loans or credit cards, the margin received against pledged ETFs typically comes with lower interest rates.
    3. Continued dividend income : Even after pledging your ETFs, you remain the true owner, so you continue to receive dividends and other benefits.
    4. Tax savings : Since you are not selling your ETFs, capital gains tax does not apply.
    5. Flexible use of funds : You can use the margin received for trading or to meet your short-term financial needs.

    Read Also: Pledging Shares vs Pay Later (MTF): Key Differences

    Risks to understand before pledging ETFs

    1. Market Volatility : If the market falls sharply, the value of your pledged ETFs may decrease. This can also reduce your margin.
    2. Forced Liquidation : If your account falls below the required margin level and you don’t add funds, the broker may sell your ETFs.
    3. Interest Burden : The more margin you use, the more interest you will have to pay. Holding positions for a long time can increase costs and reduce profits.
    4. Risk of Over-Leveraging : Easy access to funds can lead many people to trade excessively, increasing the risk of losses.
    5. Margin Call : If the market falls, the broker may ask you to deposit additional funds, which is called a margin call.
    6. Increased Haircut : During periods of sharp decline, the broker may suddenly increase the haircut, which reduces the available margin.
    7. Decreased Collateral Value : As the price of the ETF falls, the value of your pledged collateral also decreases, affecting your trading capacity.

    Conclusion

    If you ever need money but don’t want to sell your ETF investments, pledging them can be a good option. Just be sure not to take on excessive margin and check your account regularly. With proper control and planning, this facility can be helpful, but carelessness can be costly. So, make your decision wisely.

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1What is Pledging of Shares?
    2List of Best Commodity ETFs in India
    3Margin Against Shares: How Does it Work?
    4What is Margin Funding?
    5Margin of Safety: Definition and Examples
    6What Is Loan-to-Value (LTV) Ratio in Margin Trading?
    7What is Peak Margin?
    8What is Margin Money?
    9What is SPAN & Exposure Margin?
    10What Is Margin Trading?

    Frequently Asked Questions (FAQs)

    1. Can I pledge all ETFs for margin?

      Not all ETFs are eligible for pledging. Only highly traded and stable ETFs are accepted.

    2. Is my ETF safe after pledging?

      Yes, the ETF remains in your demat account. You remain the owner.

    3. Will I receive dividends on my pledged ETF?

      Yes, you will receive dividends even after pledging.

    4. What happens if the market falls?

      The value of the ETF may decrease, and the broker may issue a margin call.

    5. Can the broker sell my ETF?

      If the margin falls below the required level and you fail to add funds, the broker can sell your ETF.

  • Top 10 BESS Stocks in India (2026)

    Top 10 BESS Stocks in India (2026)

    India’s clean energy story is moving into its next phase. Adding solar and wind capacity is no longer enough. The real challenge now is storage. This is where BESS stocks are starting to gain serious attention from investors.

    Renewable power is not available all the time, and this is one of the reasons that you need to store it for future use. Battery Energy Storage Systems help solve this gap. They offer a solution that can help store the surplus energy that is generated. Now, this can be released when demand rises. This makes Battery Energy Storage System stocks a key part of India’s power and grid stability plans.

    Now you must be wondering which these stocks are exactly and where you should invest? Well, there are various companies in this segment, and if you are looking to invest in them, then you must know the key options.

    So, read this guide to know the best BESS stocks in India. These are the ones that offer exposure to a long-term infrastructure and clean energy theme. This sector is still evolving, which makes early tracking important.

    What Are BESS Stocks?

    BESS refers to Battery Energy Storage Systems. These are the companies that are involved in the process of storing electrical energy for later use. All these systems help with the management of the power and support during various phases. These stocks are known to offer stability and ensure that the dependence on non-renewable sources is less.

    When you invest in BESS stocks, you are investing in companies that benefit from:

    • Increase in the capacity of renewable energy.
    • Supports better stabilisation, which is key.
    • Helps with a stable supply when needed.
    • Support the management of energy during low and high demand phases.

    When it comes to working, you will find the BESS stocks in the following three segments.

    • Power generation and utility companies are adding storage projects.
    • Battery manufacturers are expanding into lithium-ion and grid storage.
    • Renewable energy and EPC companies are integrating storage with solar and wind.

    The performance of BESS stocks depends on project execution, policy incentives, technology costs, margins, and long-term demand growth.

    Top 10 BESS (Battery Energy Storage) Stocks in India (2026)

    BESS stocks offer investors an opportunity to participate in a fast-evolving sector. While many companies are entering this space, some stand out due to scale, execution capability, and long-term strategy.

    Here are the top 10 BESS stocks in India based on market relevance, size, and sector exposure:

    NameShare Price (₹)Market Cap (₹ Cr)52 Week High (₹)52 Week Low (₹)
    Tata Power Company Ltd3681,17,795495322
    JSW Energy Ltd49486,380740410
    NTPC Ltd3493,38,400425292
    Exide Industries Ltd34529,380431328
    Amara Raja Energy & Mobility Ltd87415,9981,118832
    HBL Power Systems Ltd87824,3431,122405
    Sterling & Wilson Renewable Energy Ltd1984,627710191
    Adani Energy Solutions Ltd9361,12,3201,350639
    Oriana Power Ltd1,8773,9883,0641,000
    GenSol Engineering Ltd7832,9751,380760

    NOTE: This data as on 30 Jan 2026 is for educational purposes only. It is devised to check the insights well before investing.

    Read Also: Best Battery Stocks in India

    Overview of Top 10 BESS Stocks in India

    Now that you know the best BESS stocks in India, let us explore each company briefly to understand its business focus and investment appeal.

    1. Tata Power Company Ltd

    Tata Power Company Ltd one of India’s largest integrated power companies. This company operates across generation, transmission, and distribution. The company has been steadily expanding its renewable portfolio. 

    Its focus on grid-scale storage helps manage peak demand and renewable variability. Strong balance sheet support and diversified operations provide long-term stability. Among BESS stocks in India, Tata Power appeals to investors seeking steady growth rather than short-term volatility.

    Know the Returns

    PeriodReturn %
    1 Day0.50
    1 Year-5.00
    3 Years28.00
    5 Years120.00

    2. JSW Energy Ltd

    JSW Energy has transformed itself from a conventional power producer into a diversified energy company. It is aggressively expanding its work into renewables and battery storage. The major inclusion is in the utility-scale BESS projects.

    The company’s focus on long-duration storage. This aligns well with India’s future energy needs. While the stock can be volatile during sector cycles, long-term investors may benefit from its strategic positioning.

    Know the Returns

    PeriodReturn %
    1 Day-0.20
    1 Year3.00
    3 Years55.00
    5 Years210.00

    3. NTPC Ltd

    This is not a new name in the power sector. It is India’s largest power generation company. It plays a key role in national energy planning. It is integrating battery storage with renewable and thermal power plants to improve efficiency and reliability.

    Its strong cash flows and government backing reduce financial risk. NTPC is suitable for conservative investors looking for stable exposure to the BESS theme.

    Know the Returns

    PeriodReturn %
    1 Day0.30
    1 Year7.00
    3 Years35.00
    5 Years140.00

    4. Exide Industries Ltd

    Exide Industries Ltd it comes to the BESS stocks, this is a company that cannot be left out. It is a well-known battery manufacturer that offers services to multiple sectors. Today, it is transitioning into lithium-ion and grid-scale storage solutions. 

    The company is working on the production of lithium-ion batteries. At the same time, it is planning the expansion to storage sectors as well. The wide experience and years of work make this a trusted name in the industry.

    Know the Returns

    PeriodReturn %
    1 Day0.10
    1 Year-2.00
    3 Years25.00
    5 Years90.00

    5. Amara Raja Energy & Mobility Ltd

    Amara Raja is steadily moving beyond traditional lead-acid batteries. It is now working on advanced energy storage solutions. The company is investing in lithium-ion technologies. This is mainly used with renewable energy sources.

    The main focus is on new partnerships and scaling. Over time, this strategic transition supports stable and long-term growth. This makes it a notable name in the Battery Energy Storage System ecosystem.

    Know the Returns

    PeriodReturn %
    1 Day0.20
    1 Year10.00
    3 Years48.00
    5 Years200.00

    6. HBL Power Systems Ltd

    It works mainly in specialised batteries and power electronics. The company supplies battery solutions for defence, railways, and industrial uses. It is also expanding its presence now. This is mainly in energy storage systems linked to renewable power.

    With experience in mission-critical applications and steady order flows, HBL Power Systems has a practical role in India’s growing Battery Energy Storage System space.

    Know the Returns

    PeriodReturn %
    1 Day0.40
    1 Year6.00
    3 Years40.00
    5 Years150.00

    7. Sterling & Wilson Renewable Energy Ltd

    Sterling & Wilson Renewable Energy Ltd focuses on engineering and project execution in renewable energy. The company is involved in large solar projects and grid-linked energy infrastructure, where battery storage is becoming essential.

    Its strength lies in execution capability and project scale. As BESS adoption grows alongside solar capacity, Sterling and Wilson stand to benefit from integrated storage-linked renewable projects.

    Know the Returns

    PeriodReturn %
    1 Day-0.50
    1 Year15.00
    3 Years50.00
    5 Years180.00

    8. Adani Energy Solutions Ltd

    Adani Energy Solutions Ltd company needs no introduction. It plays a key role in power transmission and grid infrastructure across India. As renewable energy capacity rises, the need for grid stability and storage-linked solutions is increasing.

    The company’s focus on transmission networks and energy corridors places it well to support large-scale Battery Energy Storage System integration over the long term.

    Know the Returns

    PeriodReturn %
    1 Day0.60
    1 Year25.00
    3 Years85.00
    5 Years300.00

    9. Oriana Power Ltd

    Oriana Power Ltd company that works mainly in solar energy projects and clean power solutions. The company is gradually expanding into energy storage to support reliable power supply for commercial and industrial users.

    As battery storage becomes important for managing solar power, Oriana Power has a growing role in the Battery Energy Storage System space, especially at the project level.

    Know the Returns

    PeriodReturn %
    1 Day0.10
    1 Year18.00
    3 Years60.00
    5 Years250.00

    10. GenSol Engineering Ltd

    GenSol Engineering Ltd company works across solar power, clean energy projects, and electric mobility. The company is gradually adding energy storage solutions to support reliable power supply in renewable projects.

    Its strength lies in project execution and on-ground implementation. As renewable projects grow in size and complexity, GenSol’s experience positions it well to participate in storage-linked infrastructure developments.

    Know the Returns

    PeriodReturn %
    1 Day0.30
    1 Year8.00
    3 Years45.00
    5 Years210.00

    Key Performance Indicators (KPIs)

    While this is true that all these BESS stocks are top performers, before investing, you must know certain details as well. So, these are the KPIs that you should evaluate.

    NameNet Profit Margin (%)PE Ratio (x)ROCE (%)ROE (%)Debt to Equity
    Tata Power Company Ltd7.818.010.29.80.36
    JSW Energy Ltd8.420.512.811.20.20
    NTPC Ltd12.315.113.510.50.10
    Exide Industries Ltd10.025.79.08.60.18
    Amara Raja Energy & Mobility Ltd9.522.411.09.00.32
    HBL Power Systems Ltd14.519.915.412.10.08
    Sterling & Wilson Renewable Energy Ltd4.885.06.15.40.48
    Adani Energy Solutions Ltd6.919.28.87.60.40
    Oriana Power Ltd7.030.210.58.30.25
    GenSol Engineering Ltd8.227.811.29.40.30
    (Date as of March,2025)

    Read Also: Best Construction Stocks in India

    How to Invest in BESS Stocks Using Pocketful

    When you plan to invest in the BESS stocks, there are multiple things that you would need to consider. The simple steps that you would need to follow are as below:

    Step 1: Open your trading and Demat account on Pocketful through online KYC.

    Step 2: Research BESS stocks using fundamentals, returns, and business quality.

    Step 3: Decide your investment amount based on goals and risk tolerance.

    Step 4: Place your buy order at market or limit price.

    Step 5: Track performance and sector developments regularly.

    Who Should Invest in BESS Stocks

    • Long-term investors with a horizon of five years or more
    • Investors comfortable with emerging technologies
    • Those seeking exposure to clean energy infrastructure
    • Investors tracking policy-driven growth sectors

    Pros of Investing in BESS Stocks

    • Exposure to clean energy and storage growth
    • Long-term demand driven by renewable expansion
    • Government support for energy transition
    • Potential for strong multi-year returns

    Cons of Investing in BESS Stocks

    • Capital-intensive nature of projects
    • Technology and execution risks
    • Policy and regulatory uncertainties
    • Volatility in mid- and small-cap stocks

    Conclusion

    BESS stocks provide a practical way to participate in India’s clean energy transition. These are not just the companies in the energy sector, but are the future of energy as well. These will define how the companies operate and how power is used. This makes them a great choice for investing as well.

    But when you invest in this, you need to stay patient. BESS stocks are perfect for long-term investing, but only when you study and analyse them well. This is where you need to use Pocketful. Get all the insights and data needed to ensure that you are not just investing right but also making profits.

    S.NO.Check Out These Interesting Posts You Might Enjoy!
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    Frequently Asked Questions (FAQs)

    1. What drives the performance of BESS stocks in India?

      The key drivers of the BESS stocks in india include the demand and renewable capacity growth, storage projects, policy incentives, and execution quality.

    2. Are BESS stocks suitable for beginners?

      Yes, but beginners should focus on established companies. This will help them with better returns and they can diversify later.

    3. How long should one hold BESS stocks?

      If you are looking to generate wealth from the BESS stocks, then treat them as a long-term investment for 3-5 years.

    4. What are the key risks in BESS stocks?

      While there can be various reasons for the delays, the major ones are the project delays, funding pressure, and technology changes.

    5. Can BESS stocks be part of a diversified portfolio?

      Yes, they complement the renewable, utility, and infrastructure sectors well which makes a good pick for the future.

  • Union Budget 2026 Highlights: Key Announcements, Tax, Capex & Sectors

    Union Budget 2026 Highlights: Key Announcements, Tax, Capex & Sectors

    Union Finance Minister Nirmala Sitharaman presented the Union Budget 2026 in Parliament on February 1, 2026, at 11:00 AM, marking her ninth consecutive budget presentation. Her budget speech lasted approximately 85 to 90 minutes, during which she clearly outlined the country’s economic direction and the government’s priorities. This budget was not merely a presentation of figures, but was also linked to the vision of a developed India (Viksit Bharat) by 2047.

    The main focus of this budget was on economic growth, increasing investment, maintaining fiscal stability, strengthening the manufacturing sector, the MSME sector, and healthcare services. The government aims to create new employment opportunities while maintaining the stability of the country’s economy and strengthening India’s position on the global stage.

    The Union Budget 2026 is extremely important for ordinary citizens, businesses, investors, states, and the entire economy, as it sets the direction for policies and expenditures for the coming year.

    Union Budget 2026: Key Highlights

    Key areas / indicatorsBudget 2026 announced
    Public capital expenditure (Public Capex)₹12.2 lakh crore for the financial year 2026–27.
    Fiscal Deficit4.4% of GDP
    Debt-to-GDP ratio55.6%
    Income tax slabsNo changes were made.
    Cancer medicationsNo changes were made.
    High-speed rail corridorSeven new high-speed rail corridors will be built in the country.
    Semiconductor MissionThe launch of ISM 2.0, with a budget of ₹40,000 crore.
    MSME Growth FundA new fund of ₹10,000 crore for small industries.
    Rare Earth CorridorSpecial corridors in Tamil Nadu, Kerala, Odisha and Andhra Pradesh.
    Bio-Pharma Power PlanA new scheme has been launched with an investment of ₹10,000 crore.
    Carbon Capture Fund₹20,000 crore for the steel and cement sectors.
    The share received by the states₹14 lakh crore (41% of total tax transfers)
    Electronics ManufacturingThe budget has been increased to ₹40,000 crore.
    Textile ParkLarge mega textile parks will be built in the country.
    Freight CorridorNew freight train corridor from Dankuni (West Bengal) to Surat
    Ayurvedic AIIMS3 new Ayurvedic AIIMS will be established.
    Medical tourismFive regional medical tourism hubs will be created.
    Women’s entrepreneurshipThe launch of SHE (Self Help Entrepreneur) stores.
    Urban development₹5000 crore per city (over 5 years) for City Economic Regions.
    Coastal Cargo SchemeIncrease the share of waterways and coastal shipping from 6% to 12% (by 2047).
    Developed India GoalAll schemes are linked to the Viksit Bharat 2047 vision.

    Income Tax & Direct Tax Announcements

    In the Union Budget 2026, the government has focused on simplifying and streamlining the tax system rather than changing tax rates. Finance Minister Nirmala Sitharaman clearly stated that there have been no changes to the income tax slabs this year, but the rules and procedures have been simplified for the convenience of taxpayers.

    1. No Change in Income Tax Slabs : The income tax slabs have been kept unchanged in Budget 2026. The government believes that maintaining stability in tax rates is better than making changes in the current economic climate. This will ensure fiscal discipline and allow for continued spending on development-related schemes.
    2. Tax Filing Process Simplified : For the convenience of taxpayers, the deadline for filing revised returns has been extended from December 31st to March 31st. Additionally, rules related to TDS on property sales for NRIs have been simplified, and the deadlines for filing returns for different categories have been clarified to avoid confusion for taxpayers.
    3. Relief in TCS on Foreign Expenditure : The Tax Collected at Source (TCS) on remittances for foreign travel, education, and medical treatment has been reduced to 2 percent. This will provide direct relief to students, patients, and other individuals traveling abroad, reducing their additional expenses.
    4. Foreign Asset Declaration Scheme : This budget introduces a six-month foreign asset declaration scheme. This scheme is specifically for individuals who have lived abroad for education or work and may have inadvertently failed to properly declare their tax-related information. They can now declare their foreign assets and regularize their tax status.

    Healthcare & Pharma Focus

    1. Relief on Cancer Medicines : Customs duty has been completely waived on 17 cancer medicines. In addition, import duties have been exempted on medicines and medical food used in the treatment of 7 rare diseases, making treatment more affordable for patients.
    2. New Medical Institutions : Three new Ayurvedic AIIMS (All India Institute of Medical Sciences) will be established in the country. A proposal has been made for the establishment of NIMHANS-II to strengthen mental health services in North India.
    3. Bio-Pharma Shakti Scheme : A “Bio-Pharma Shakti” scheme with an outlay of ₹10,000 crore has been launched to promote the bio-pharma sector. Its objective is to strengthen research, drug manufacturing, and innovation.
    4. Medical Tourism : Five regional medical tourism centers will be established to make India a medical tourism hub.

    Read Also: Union Budget 2026 Expectations: Tax Relief, Sector Boosts & Market Impact

    Infrastructure Push: Rail, Freight & Cities

    In the Union Budget 2026, the government has prioritized the infrastructure sector to accelerate connectivity and urban development. New high-speed rail corridors, freight networks, and the development of Tier-2 and Tier-3 cities will directly benefit trade, employment, and regional economies.

    1. High-Speed ​​Rail and Freight Corridors

    The country plans to build seven high-speed rail corridors to facilitate faster travel between major industrial and IT cities and boost trade.

    Key Routes:

    • Mumbai – Pune
    • Pune – Hyderabad
    • Hyderabad – Bengaluru
    • Bengaluru – Chennai

    In addition to this, a new dedicated freight corridor will be built from Dankuni in West Bengal to Surat in Gujarat. This will expedite freight movement and reduce logistics costs.

    2. Investment in Cities

    The government aims to develop Tier-2 and Tier-3 cities as new economic hubs. City Economic Regions (CERs) will be created for this purpose, with each region receiving approximately ₹5000 crore in investment over the next five years. The objective is to strengthen road, transport, and trade infrastructure.

    Manufacturing & Technology Focus: From Chips to Textiles

    The government has launched the India Semiconductor Mission 2.0 with a budget of ₹40,000 crore to accelerate chip manufacturing and research. The outlay for electronics manufacturing, including mobile phones and electronic components, has also been increased to ₹40,000 crore. In addition, large-scale mega textile parks, container manufacturing units, and chemical parks will be established through a challenge-based approach, which will boost employment and strengthen domestic industries.

    Key announcements

    AreaAnnouncement
    SemiconductorIndia Semiconductor Mission 2.0 – ₹40,000 crore
    ElectronicsManufacturing outlay: ₹40,000 crore
    TextileMega Textile Park
    IndustryContainer manufacturing units
    Chemical sectorNew Chemical Park (Challenge Route)

    Rare Earth & Clean Energy Corridors

    The 2026 budget places a strong emphasis on rare earth minerals and clean energy to strengthen the EV and renewable energy supply chains. The aim is to make India self-reliant in future technologies.

    Rare Earth Corridor (State-wise)

    StateInitiative
    OdishaRare Earth Corridor
    KeralaRare Earth Corridor
    Tamil NaduRare Earth Corridor
    Andhra PradeshRare Earth Corridor
    • Exemption from customs duty on raw materials for sunglasses.
    • Customs duty exemption on products of lithium-ion battery companies.
    • A fund of ₹20,000 crore for carbon capture in the steel and related sectors.

    MSMEs & Employment Generation

    Several practical steps have been announced to strengthen MSMEs, women’s entrepreneurship, and skill development.

    InitiativeDescription
    MSME Growth FundA fund of ₹10,000 crore has been created to enable small industries to expand and create new jobs.
    SHE StoresCommunity-owned retail stores for women, where they can sell their products.
    ICAI and ICSI SupportShort-term modular courses that provide young people with industry-ready skills.
    Mahatma Gandhi Gram Swaraj InitiativeScheme to promote rural industries, khadi and handicrafts.

    Tourism, Culture & Sports Development

    Budget 2026 emphasizes connecting the tourism and sports sectors with employment generation and regional development.

    Key Announcements –

    1. National Institute of Hospitality : A national institute will be established for the tourism and hospitality sector to strengthen skill development and training.
    2. Development of Buddhist Circuit : Buddhist circuits will be developed in Andhra Pradesh, Sikkim, Mizoram, and Tripura, promoting religious tourism and boosting the local economy.
    3. Bird Watching Trails : Bird-watching trails will be created in the Pulicat Lake region of Andhra Pradesh and Tamil Nadu to promote eco-tourism.
    4. Khelo India Mission (10-year roadmap) : A plan to nurture sporting talent over the next 10 years, focusing on training centers, sports science, and infrastructure.
    5. Global Big Cat Summit : India will host the Global Big Cat Summit for the first time, with representatives from approximately 95 countries participating.
    6. Medical Tourism Hubs : Five regional medical tourism hubs will be established in the country to develop India as an affordable and reliable medical treatment destination.

    Conclusion

    The Union Budget 2026 is a budget focused on accelerating growth, strengthening manufacturing, and prioritizing healthcare. Its vision is clearly aligned with the goal of a developed India by 2047 (Viksit Bharat 2047). The government has pushed for increased investment in infrastructure, industry, and social sectors while maintaining a balance between growth and fiscal discipline. Overall, this budget can be considered a solid step towards long-term economic stability and inclusive development. Stay updated with the latest market information – download Pocketful and begin your investing journey with zero brokerage.

    Frequently Asked Questions (FAQs)

    1. Is there any change in Income Tax slabs in Budget 2026?

      No, there are no changes to the income tax slabs in Budget 2026.

    2. What relief is given to cancer patients in Budget 2026?

      Customs duty has been completely removed on 17 cancer medicines, which will make treatment cheaper.

    3. How many new high-speed rail corridors are announced?

      7 new high-speed rail corridors have been announced in Budget 2026.

    4. What is the total capital expenditure (Capex) for FY 2026-27?

      The government has allocated ₹12.2 lakh crore for capital expenditure in FY 2026-27.

    5. What is Biopharma Shakti Yojana?

      This is a ₹10,000 crore scheme under which 3 new institutions will be opened for biopharma research and manufacturing.

  • India–EU Free Trade Agreement Explained: Key Benefits, Sectors & Impact

    India–EU Free Trade Agreement Explained: Key Benefits, Sectors & Impact

    The long-running negotiations between India and the European Union have finally culminated in a historic Free Trade Agreement. This agreement, reached after nearly 20 years of talks, is considered one of the world’s largest trade deals. It connects a market of approximately two billion people and has the potential to significantly impact global trade. At a time when high tariffs imposed by the US and global tensions are affecting trade, the India-EU agreement offers both new opportunities and a new direction.

    What is the India–EU Free Trade Agreement (FTA)?

    This Free Trade Agreement between India and the European Union is intended to give a new impetus to trade between the two. The agreement was finalized in January 2026 after nearly 20 years of negotiations. It is considered India’s largest trade agreement to date with the 27 countries of the EU. This deal will provide easier access to the European market for Indian sectors such as textiles, gems and jewelry, and marine products, while opening up the Indian market to European car and machinery companies. Overall, this agreement is a significant step towards strengthening India-EU economic relations for the long term.

    India-EU Trade Deal: At a glance (Key Facts)

    Trade Overview

    PointInformation
    Total market sizeApproximately USD 24 trillion
    The population associated with thisApproximately 2 billion people
    India’s exports to the EU (2024–25)Approximately USD 76 billion
    Total merchandise tradeApproximately USD 137 billion
    Trade in servicesApproximately USD 83 billion
    India’s access to the EU marketAlmost all of the business (99.5%)

    How did the EU reduce taxes on Indian goods?

    The European Union has decided to gradually remove import duties on most Indian products.

    EU Tariff Changes – for Indian Exports

    MethodMeaning
    Instant discount on most itemsMore than 90% of India’s exports will benefit.
    Discounts are offered on some products every 3-5 years.Limited category
    In some cases, a quota systemSelected products
    overallAlmost the entire business is covered.

    What decision did India make regarding EU products?

    India will also reduce taxes on goods coming from Europe, but this process will be gradual.

    India Tariff Changes – for EU Exports –

    PointSituation
    How many products are included?Approximately 92%
    Products with instant discountsAbout half
    Phased exemption (5–10 years)Approximately 40%
    Fruits such as apples, kiwisAllowed in limited quantities.

    Which Indian sectors will benefit the most?

    This agreement will particularly strengthen industries that generate a large number of jobs.

    SectorTax nowWhat will happen next?
    Textiles and garmentsUp to 12%Complete freedom
    Leather and shoesUp to 17%Zero tax
    SeafoodUp to 26%Almost complete exemption
    Medical equipment6–7%Almost finished
    Gems and Jewelry4%complete exemption
    ChemicalsUp to 12%Discounts on most items.
    Furniture/Decorup to 10Low tax

    European Export Winners: Cars, Wine and Spirit

    This agreement will provide significant relief to Europe’s automobile and wine industries in the Indian market. The high import duties currently levied on cars will be gradually reduced. This will make premium European cars relatively cheaper in India, likely leading to increased sales.

    CategoryCurrent situationAfter the agreement
    Tariffs on carsApproximately 110%Reduced to 10% (limited number available)
    Annual car import limit–2.5 lakh vehicles
    Cars cheaper than €15,000General rulesThe tariff will be higher.
    Electric vehicles (EVs)–5-year grace period
    Tariffs on wine150%20–30%
    Spirits (alcohol)150%40%

    CBAM: Carbon Border Adjustment Mechanism and Its Impact

    CBAM is a new European Union policy that will impose additional charges on highly polluting products. This rule will come into effect on January 1, 2026. The goal is to ensure that all goods sold in Europe, whether imported or domestically produced, bear the same cost in terms of carbon emissions.Despite the India-EU Free Trade Agreement, India has not been granted any significant exemptions under CBAM. This means that even though tariffs may be reduced on many Indian products, goods such as steel, cement, and aluminum will still be subject to a carbon tax. This could increase costs for some Indian companies, particularly small and medium-sized enterprises.

    The impact of CBAM

    Who will be affected?What will change?
    Large companiesIt is possible to adopt the rules.
    Small industries (MSME)Reporting and expenses will increase.
    Small Industries (MSME)The price could be expensive in Europe.
    European industryDomestic companies will benefit.

    How Can India Respond to CBAM?

    Europe’s new carbon regulations will not be easy for Indian industries. Companies will now have to disclose the carbon footprint of their products. Large industries may be able to manage this, but for small businesses, it will mean new costs and added complications. This is why India is now working to refine its carbon credit system and encourage industries to adopt cleaner technologies. In the future, only companies that produce goods with minimal pollution will be able to compete in the European market.

    India’s preparation : 

    StepObjective
    CCTSPromoting carbon trading
    MRV SystemMeasuring and recording emissions
    MSME SupportReducing the burden on small industries
    Green investmentStrengthening long-term competitiveness

    Why India–EU Deal Took Nearly 20 Years (Background) 

    Trade negotiations between India and the European Union began in 2007, but several issues remained unresolved. India wanted to protect its domestic industries, particularly in the agriculture and automobile sectors. The EU, on the other hand, insisted on the strict inclusion of environmental regulations and labor laws in the agreement.

    Differences also persisted regarding trade in services and regulatory standards. The negotiations stalled for a considerable period. However, in 2022, due to changing global circumstances and trade pressures, both sides returned to the negotiating table, and an agreement was finally reached in January 2026.

    India-EU FTA negotiation timeline

    YearMain event
    2007The conversation begins.
    2013–2021The talks were interrupted several times.
    2022The conversation resumed.
    January 2026The agreement is complete.

    Global Trade and Geopolitical Impact

    1. US Tariffs and the Need for New Markets : High US tariffs have forced both India and Europe to seek new trade routes. This is why the India-EU agreement has progressed rapidly, allowing both sides to access a large and reliable market.
    2. Reducing Dependence on China : Many countries today do not want their trade to be solely dependent on China. The India-EU deal aims to diversify supply chains, shifting business towards stable partners like India and Europe.
    3. Renewed Trust in India-EU Relations : This agreement is not limited to the buying and selling of goods. It demonstrates that India and Europe now view each other as long-term trading and strategic partners.
    4. Promoting Rules-Based Trade : This deal sends a message that trade should be based on established rules and agreements, not political pressure. This increases both trust and stability in global trade.

    Implementation Timeline

    After reaching an agreement, both parties will now finalize the legal draft. This will involve reviewing the clarity of the language, the interpretation of the clauses, and the technical aspects to prevent any future confusion or disputes.

    Approval by the Indian Parliament

    In India, the agreement will be presented to Parliament. The process of officially implementing it can only proceed after it receives parliamentary approval.

    Approval by the European Parliament and EU Member States

    In the European Union, the agreement will be approved by the European Parliament and all member states. This process may take time as each country will review it at its own level.

    When will the agreement come into effect?

    If all legal and political approvals are obtained on time, the India-EU Free Trade Agreement is expected to come into effect by the end of 2026 or the beginning of 2027.  Following this, tariff reductions and trade benefits will be implemented in a phased manner.

    Conclusion

    The India-EU Free Trade Agreement is not just an agreement to reduce tariffs, but a turning point in India’s global trade policy. It will open up significant export opportunities, but will also require industries to adapt to environmental and quality standards. Its true success will depend on how intelligently it is implemented on the ground and how effectively small businesses are supported in the process. 

    Download Pocketful for the latest market news and insights, offering a seamless investing experience with zero delivery charges and advanced trading features.

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    Frequently Asked Questions (FAQs)

    1. What is the India-EU FTA?

      This is a trade agreement between India and the European Union to facilitate trade and increase imports and exports between the two.

    2. Why is this deal called the “Mother of All Deals”?

      Because it is the largest trade agreement ever between India and the EU.

    3. Which Indian industries will gain the most?

      The textile, gems and jewelry, marine products, and leather sectors will benefit the most.

    4. Will foreign products become cheaper in India?

      Some goods may become cheaper, but the price will depend on GST and market conditions.

    5. What is CBAM in simple words?

      It is Europe’s carbon tax regulation, which will apply to goods with high carbon emissions.

  • Why is the Silver Price Going Down?

    Why is the Silver Price Going Down?

    If you have also been tracking silver prices lately and felt annoyed, confused, or slightly worried, you are definitely not alone. Almost every correction triggers the same questions in an investor’s mind

    • Why is silver down today?
    • Why is silver dropping so suddenly?
    • Why is silver going down when inflation has not disappeared?

    Silver can rally sharply, then fall just as fast, often without warning. Price drops in silver are rarely random. Once you understand the reasons, you will easily comprehend the metals. Let us break this down for you in simple language. In this blog, we will clearly explain why silver prices fall, what really drives these sudden corrections, and how investors should understand silver’s volatility with clarity and confidence.

    Current Silver Scenario in the Markets 

    Silver often wears two hats. On one side, it is a precious metal, a hedge, a store of value, an alternative to currency and on the other hand, it is an industrial metal, used in solar panels, electronics, EVs, and medical equipments. 

    So when prices fall, it is not about just one thing. Silver reacts to both economic fear and economic growth. That dual nature is the key to understanding why silver is down today.

    On 29 January, silver on the MCX was trading at ₹420,048. What followed was a sharp and rapid correction. Prices slid to ₹291,925, wiping out ₹128,123 in value, a decline of roughly 31%.

    To put this in perspective, nearly a third of the price was erased in a short span, the kind of move that forces traders to reassess positions rather than simply “wait it out.”

    Key Reasons of the Fall

    1. New Chairman of Federal Reserve

    The immediate trigger was the nomination of Kevin Warsh as the next Chair of the Federal Reserve by President Donald Trump. For markets, this mattered more than it may sound at first.

    Warsh is widely seen as hawkish on inflation, i.e., he controls rising prices over promotion of short-term economic growth. 

    In simple terms, markets interpreted his nomination as a signal that easy money is unlikely to return anytime soon. That expectation alone was enough to reset prices.

    2. A Strong US Dollar Is Often the Immediate Trigger

    If you are looking for the most common and most boring (but powerful) reason, this is it.

    Silver is priced globally in US dollars. When the dollar strengthens, silver automatically becomes more expensive for buyers in other currencies. Demand softens, and prices slip.

    3. Sometimes the Fall Is Just Profit Booking

    This happens even when nothing has changed about silver itself. Not every fall needs a scary explanation. Silver is volatile which is part of its personality.

    After a sharp rally, traders do what traders always do: they book profits. Funds rebalance. Algorithms trigger sell orders. Momentum fades, and a quick drop can be seen which is nothing but just regular profit booking. 

    4. Increase Copper Margin Requirements 

    A SEBI Registered commodity expert stated that the selling pressure did not come out of nowhere. It built up quietly, and then hit all at once.

    It started when the Chicago Mercantile Exchange raised margin requirements on copper contracts to 20%. That move immediately set off alarm bells across the commodities market. Traders began worrying: If copper margins can be raised overnight, could gold and silver be next? Those fears spread fast.

    At the same time, gold and silver prices were already stretched to their limits. They had rallied hard and were sitting in overbought territory, the zone where even a small trigger can cause a sharp pullback.  

    Traders rushed to cut positions before margins could rise, triggering panic selling. 

    5. Reduction in Import Duty of Gold & Silver in Budget 2026

    The Government of India may consider cutting import duties on gold and silver to revive demand in the jewellery sector. That sector has been under visible strain after a sharp rise in precious metal prices, which has made jewellery increasingly unaffordable for everyday buyers.

    Several delegations from the gems and jewellery sector have reportedly urged the government to reduce import duties on gold and silver. Lower duties could bring prices down slightly, improve affordability, and help revive volumes. Now here’s where markets start reacting before anything is officially announced.

    If the government signals or confirms a duty cut in the Union Budget 2026, domestic gold and silver prices could face further pressure. 

    6. Unchanged Fed Rates 

    When the Federal Reserve chose to keep interest rates unchanged, the US dollar got a fresh boost. That strength made gold and silver costlier for overseas buyers, which quickly cooled buying interest. At the same time, higher yields in the system made assets like bonds more attractive, pulling money away from non-yielding metals such as gold and silver.

    What to Expect Ahead?

    After a sharp correction like this, the most important thing to remember is simple: markets rarely bounce back immediately.

    Instead of a rebound, silver is more likely to enter a phase of consolidation. Prices may move up and down within a range as the market digests what just happened. Momentum does not return instantly.

    In simple terms, buyers turn cautious, sellers hesitate, and volumes dry up until a clearer signal emerges.

    For prices to move meaningfully higher from here, silver will need fresh support on technical charts. 

    On the downside, the risk is not completely off the table either. If concerns around margins, policy uncertainty, or global growth resurface, silver could still test lower support levels. After a big fall, markets often retest investor confidence before stabilising.

    Conclusion 

    The recent decline in gold and silver was caused by a combination of pressure points happening simultaneously, including hawkish signals by the Federal Reserve, concerns about tightening margin and speculation on domestic policy regarding import duties.

    Above all, this action is more of a post-overheated rally erase than a beginning of a down cycle. Once the prices ascend too rapidly, markets are likely to come down in a big way. It is painful, yet it is natural, particularly in commodities. 

    It is not about panicking and rather about discipline. Those who remain patient and clear about their time horizon usually come out stronger on the other side.

    For more market news and insights, download Pocketful – offering zero brokerage on delivery trades and an easy-to-use platform designed for both new and experienced investors.

    Frequently Asked Questions (FAQs)

    1. Why is silver down today?

      Silver is under pressure due to a stronger US dollar, elevated interest rates, and profit booking after a sharp rally.

    2. Why did silver fall so sharply in a short time?

      Overbought conditions, margin-related fears, and Fed interest rate fears caused rapid selling.

    3. Does this fall mean silver has entered a bear market?

      No. Current price action looks like a correction rather than a long-term trend reversal.

    4. Why does a stronger US dollar hurt silver prices?

      Since silver is priced in dollars, a stronger dollar makes it more expensive for overseas buyers.

    5. Is a 30% fall in silver a buying opportunity?

      It depends on your risk tolerance and investment horizon. Long-term investors and short-term traders view such falls very differently.

    Gold Rate in Top Cities of IndiaSilver Rate in Top Cities of India
    Gold rate in AhmedabadSilver rate in Ahmedabad
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  • Best Books on Financial Risk Management – Trading & Investment

    Best Books on Financial Risk Management – Trading & Investment

    In trading and investing, most people obsess over returns. Professionals obsess over survival.

    Risk management is not about eliminating losses that is impossible. It is about staying in the markets long enough for skill, discipline, and patience to work in your favour. Every major blow-up in financial history, from hedge funds to individual traders, has one thing in common: risk was misunderstood, ignored, or underestimated.The books below do not just teach formulas. They train your thinking. Together, they help you understand where risk actually comes from and how it behaves under stress. 

    In this blog, we will explore the books and principles that reshape how professionals think about risk, survival, and long-term success in the markets.

    What is Risk Management? 

    The habit of thinking ahead about what can go wrong and deciding how much damage you are willing to live with if it does is called risk management. 

    In markets, losses are not a sign of failure. They are inevitable. Risk management exists to make sure a single bad decision, a sudden market shock, or an emotional mistake does not reset years of your progress.

    For investors, risk management shows up through diversification, sensible asset allocation, and avoiding temptation.  For traders, it is position sizing, stop-losses, and understanding how leverage magnifies losses far faster than gains

    List of 10 books on Risk Management

    S. No.Book NameYearName of the AuthorRating (Goodreads)
    1Quantitative Risk Management2005Paul Embrechts, Alexander McNeil, Rüdiger Frey4.22
    2Value at Risk2001Philippe Jorion4.07
    3Risk Management and Financial Institutions2015John C. Hull4.18
    4Options, Futures and Other Derivatives1989John C. Hull4.25
    5The Black Swan2007Nassim Nicholas Taleb4.05
    6Fooled by Randomness2001Nassim Nicholas Taleb4.13
    7The Essentials of Risk Management2006Michel Crouhy, Dan Galai, Robert Mark3.98
    8Against the Gods1996Peter L. Bernstein4.2
    9Financial Risk Manager Handbook2016GARP4.1
    10The Failure of Risk Management2009Douglas W. Hubbard3.9

    Overview 

    1. Quantitative Risk Management by Author – McNeil, Frey & Embrechts

    This book explores how financial risk behaves when markets stop acting “normally.” Most investors assume prices move in predictable patterns, but this book explains why extreme losses are far more common than we expect and why diversification often fails during market crashes. 

    It uses advanced statistical tools to study risk, dependence between assets, and extreme events. From a reader’s perspective, the biggest value is understanding why portfolios that look safe on paper can suddenly fall apart during crises like 2008 or COVID. 

    Quantitative Risk Management by Author - McNeil, Frey & Embrechts

    2. Value at Risk by Author – Philippe Jorion

    This book explains Value at Risk (VaR) in a practical way. VaR answers a simple question: “How much could I lose on a bad day?” But Jorion goes further and shows why VaR must be handled carefully. 

    For example, a daily VaR of ₹5 lakh does not mean losses cannot exceed that number; it only means they usually should not. The book is especially useful for readers who want to understand how banks and funds measure risk, while also learning why relying only on VaR can be dangerous during sudden volatility.  

    Value at Risk by Author - Philippe Jorion

    3. Risk Management and Financial Institutions by Author – John C. Hull

    This is one of the most accessible introductions to professional risk management. Hull explains how banks think about market, credit, liquidity, and operational risk. 

    What makes the book valuable is how it connects theory with real institutional behaviour, such as why capital buffers matter or why liquidity dries up exactly when it’s needed most. From a reader’s point of view, it helps explain why retail investors often feel surprised during crises while institutions plan for stress scenarios in advance. 

    Risk Management and Financial Institutions by Author - John C. Hull

    4. Options, Futures, and Other Derivatives by Author – John C. Hull

    Although this book focuses on derivatives, it is deeply relevant to risk management because derivatives are usually designed to reshape risk. It explains how options, futures, and swaps behave under changing market conditions and why hedging is never a “set and forget” exercise. 

    For instance, a position may be delta-neutral today but become risky tomorrow when volatility spikes. Readers come away with a clearer understanding of why hedged trades can still lose money. 

    Options, Futures, and Other Derivatives by Author - John C. Hull

    5. The Black Swan by Author – Nassim Nicholas Taleb

    This book challenges the belief that the future can be predicted using past data alone. Taleb focuses on rare, high-impact events that markets fail to price in until it is too late. 

    Written in simple, engaging language, it explains why financial systems break not on ordinary days, but during extreme ones. For readers, the key lesson is to build portfolios that can survive surprise rather than rely on confident forecasts.  

    The Black Swan by Author - Nassim Nicholas Taleb

    6. Fooled by Randomness by Author – Nassim Nicholas Taleb

    This book explores how easily humans confuse luck with skill, especially in markets. A trader may experience a winning streak and assume brilliance when randomness plays a large role. 

    Taleb uses relatable examples to show how overconfidence builds quietly before a major loss. From a reader’s perspective, this book is especially useful during bull markets, where poor risk management often goes unnoticed.  

    Fooled by Randomness by Author - Nassim Nicholas Taleb

    7. The Essentials of Risk Management by Author – Crouhy, Galai & Mark

    It explains how organizations identify risk, set limits, define risk appetite, and build reporting structures. Many financial disasters do not happen because risks were unknown, but because warnings were ignored or incentives were misaligned. 

    For readers, this book highlights the truth that discipline and governance matter as much as analytics. 

    The Essentials of Risk Management by Author - Crouhy, Galai & Mark

    8. Against the Gods by Author –  Peter L. Bernstein

    This book tells the story of how humans learned to understand uncertainty, from early probability theory to modern finance. Written as a narrative rather than a textbook, it helps readers appreciate that risk management exists because the future is inherently uncertain. 

     It is especially refreshing for readers who want intuition and perspective rather than formulas, and it builds humility, an underrated skill in investing.

    Against the Gods by Author -  Peter L. Bernstein

    9. Financial Risk Manager Handbook by Author – GARP

    This handbook is a structured reference covering all major areas of financial risk management, including market, credit, operational risk, and regulation. It is designed for FRM candidates but works equally well as a practical guide for professionals. From a reader’s point of view, it’s not meant to be read like a story; rather, it is the book you return to when you need clarity, definitions, or quick validation of concepts. 

    Financial Risk Manager Handbook by Author - GARP

    10. The Failure of Risk Management by Author – Douglas W. Hubbard

    This book questions why risk management often fails despite sophisticated tools. Hubbard argues that many risks can be measured more effectively than people assume and that vague labels like “high” or “low” risk aren’t actionable. For readers, the key takeaway is learning to think in probabilities and ranges rather than absolutes. It’s particularly useful for professionals who want to improve decision-making rather than just comply with frameworks.

    The Failure of Risk Management by Author - Douglas W. Hubbard

    Conclusion

    Most people enter markets chasing returns. The ones who last learn to respect risk.

    The books in this list approach risk management from different directions, such as statistics, institutional frameworks, behavioural psychology, history, etc. Together, they teach a powerful lesson that risk is not a side topic in finance. It is finance.

    You do not need to master every model or read all ten books at a go. Even adopting one or two ideas can significantly improve long-term outcomes. Markets will surprise you. They always do, but risk management will help you survive them with your confidence. Apply your theoretical knowledge through real market execution with Pocketful. Begin your investing and trading journey on a low-brokerage, intuitive platform designed for practical decision-making.

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    Frequently Asked Questions (FAQs)

    1. How does psychology affect risk management?

      Fear and greed often cause people to not follow rules when sticking to those rules matters most.

    2. Is risk management about predicting crashes?

      No. It is about assuming uncertainty and preparing for outcomes you did not predict.

    3. Is diversification enough on its own?

      Diversification helps, but during market stress, asset classes can fall together. It works best when combined with proper asset allocation 

    4. Does risk management mean lower returns?

      It may limit extreme upside in the short term, but it often improves results over time. 

    5. What’s the most common risk investors underestimate?

      Overconfidence, especially after a strong run of returns.

  • Best Construction Stocks in India

    Best Construction Stocks in India

    India’s growth story is visible on the ground. Roads, metros, airports, housing, and smart cities are shaping daily life. This is why many investors are now tracking the best construction stocks in India closely. 

    The construction sector benefits directly from government spending, private capex, and long-term infrastructure plans. From large EPC players to specialised builders, these companies play a key role in nation-building. 

    In this blog, we will explore India’s construction stocks, focusing on companies with strong order books, long-term project visibility, and consistent execution. We will explain how this sector aligns with India’s infrastructure-led growth and what investors should evaluate before investing.

    What Are Construction Stocks?

    Construction stocks are shares of companies involved in building and infrastructure development. These businesses work on projects like roads, highways, bridges, railways, metros, airports, housing, and industrial facilities. When you invest in construction stocks, you are investing in companies that benefit from government spending, urban growth, and private sector expansion.

    In India, construction stocks often include the following:

    • EPC companies
    • Real estate developers
    • Infrastructure builders

    Their performance depends on project execution, order books, funding conditions, and overall economic growth.

    Top 10 Construction Stocks in India

    Construction stocks offer you a great opportunity to invest in companies with high growth potential. While there are many such stocks that you can invest in, you must know the top construction stocks in India that offer you better returns. This can be identified based on their consistency in performance and market capitalisation.

    So, here are the top 10 construction stocks in India that you should consider for sure:

    NameShare Price (₹)Market Cap (₹ Cr)52 Week High (₹)52 Week Low (₹)
    Mahindra Lifespace Developers Ltd396.758425.91427.05255.87
    Man Infraconstruction Ltd125.065124.95245.72117.12
    PSP Projects Ltd881.953508.691029.90609.00
    B L Kashyap & Sons Ltd51.36115284.6945.00
    Vascon Engineers Ltd48.461088.9174.5931.98
    Consolidated Construction Consortium Ltd18.05806.8528.8710.84
    Modis Navnirman Ltd334.65653.27409.00304.50
    Pansari Developers Ltd304.45532.13352.30142.05
    Parsvnath Developers Ltd10.03443.4527.299.78
    RBM Infracon Ltd434.50434.73744.00249.85

    NOTE: All this information is based on the data as of 6 Jan. 2026. This is for information and educational purposes only. It is bound to change with time. Hence, check the details before you invest.

    Read Also: Best Material Stocks in India

    Overview of Top 10 Construction Stocks in India

    Now you know which are the best construction stocks in India. So, it’s time to quickly explore brief details of each of these stocks to gain a better insight.

    1. Mahindra Lifespace Developers Ltd

    Mahindra Lifespace Developers Ltd company focuses on residential housing and integrated city projects. It benefits from strong brand backing and a sustainability-led approach. Its presence in key urban markets supports long-term demand. Among the best construction stocks in India, it appeals to investors looking for quality execution rather than short-term price momentum.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    0.44-14.079.6212
    (Data as of 6 Jan, 2026)

    2. Man Infraconstruction Ltd

    Man Infraconstruction Ltd operates across urban real estate and infrastructure development. It has gained from city-focused projects and public sector contracts. Long-term returns reflect strong participation in growth cycles. Within construction stocks India, it suits investors who are comfortable with periodic volatility and sector-linked movements.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    -1.5-47.5572.85426.15
    (Data as of 6 Jan, 2026)

    3. PSP Projects Ltd

    PSP Projects Ltd company specialises in institutional, industrial, and government construction work. It is known for disciplined execution and timely delivery. A healthy order book provides earnings visibility. For investors seeking stability within construction stocks, this business offers a balanced mix of growth and operational control.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    -0.3629.1715.08112.33
    (Data as of 6 Jan, 2026)

    4. B L Kashyap and Sons Ltd

    B L Kashyap and Sons Ltd firm focuses on commercial buildings, IT parks, and large-scale infrastructure projects. Performance improves during private capex upcycles. Revenue can fluctuate with corporate spending trends. It is often tracked as part of the top construction stocks in India during economic expansion phases.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    0.51-36.2658.7350.22
    (Data as of 6 Jan, 2026)

    5. Vascon Engineers Ltd

    Vascon Engineers Ltd company operates in real estate development and EPC projects. It has exposure to residential, commercial, and industrial segments. Improved execution and balance sheet repair have supported long-term gains. It suits investors looking for turnaround stories within mid-sized infrastructure-focused businesses.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    1.76-11.9540.68207.23
    (Data as of 6 Jan, 2026)

    6. Consolidated Construction Consortium Ltd

    Consolidated Construction Consortium Ltd business works across industrial construction and engineering services. Its sharp long-term returns reflect recovery from earlier weak phases. While growth has been strong, earnings stability remains key to track. It is more suitable for investors with higher risk appetite and longer holding periods.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    -0.063.1411043,512.00
    (Data as of 6 Jan, 2026)

    7. Modis Navnirman Ltd

    Modis Navnirman Ltd company is engaged in real estate and infrastructure development with a regional focus. Strong multi-year returns highlight improved project execution. Lower liquidity is a factor to consider. It can fit investors seeking smaller companies with focused operations and scalable growth potential.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    0.3631.54134.82605.86
    (Data as of 6 Jan, 2026)

    8. Pansari Developers Ltd

    Pansari Developers Ltd firm operates mainly in real estate development projects. It has delivered strong long-term performance driven by project monetisation. Limited trading volumes require caution. It may appeal to investors willing to take selective exposure to niche developers within the top 10 construction stocks in India theme.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    -0.1862.49324.21,223.21
    (Data as of 6 Jan, 2026)

    9. Parsvnath Developers Ltd

    Parsvnath Developers Ltd company has a long presence in real estate development across multiple cities. Recent recovery has supported moderate long-term gains. Business performance remains sensitive to debt management and project execution. It suits investors tracking revival stories in established construction names.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    -1.57-54.979.5765.69
    (Data as of 6 Jan, 2026)

    10. RBM Infracon Ltd

    RBM Infracon Ltd business focuses on road and highway infrastructure projects. Strong execution has driven sharp multi-year returns. Order inflows and timely completion remain key drivers. It fits investors looking for exposure to public infrastructure spending under long-term development programs.

    Know the Returns

    1 Day Return %1 Year Return %3 Years Return %5 Years Return %
    0.98-35.05809.73680.94
    (Data as of 6 Jan, 2026)

    Read Also: Best Infrastructure Stocks in India

    Key Performance Indicators (KPIs)

    NameNet Profit Margin (%)PE Ratio (x)ROCE (in %)ROE (in %)Debt to Equity
    Mahindra Lifespace Developers Ltd14.6951.63.183.240.92
    Man Infraconstruction Ltd39.7217.1722.3416.820.02
    PSP Projects Ltd2.2858.5110.095.310.22
    B L Kashyap & Sons Ltd3.1442.097.85.390.41
    Vascon Engineers Ltd11.827.9914.2912.520.19
    Consolidated Construction Consortium Ltd28.328.4653.2477.10
    Modis Navnirman Ltd10.9344.7314.812.820.03
    Pansari Developers Ltd20.5750.66.385.730.75
    Parsvnath Developers Ltd-160.32-1.73-0.9816.78-1.73
    RBM Infracon Ltd9.1514.9229.1924.760.08
    (Data as of 6 Jan, 2026)

    How to Invest in Construction Stocks Using Pocketful

    Investing in construction stocks is simple when you follow a clear process. With a platform like Pocketful, you can manage everything in one place without confusion.

    Step 1: Open an Account on Pocketful

    Start by creating your trading and Demat account on Pocketful. The process is online and quick, with basic KYC details.

    Step 2: Research Construction Stocks

    Use stock data, price trends, and long-term returns to shortlist companies. Focus on business quality and how well the management is working. Look for the order books and future plans.

    Step 3: Decide Your Investment Amount

    Fix how much you want to invest. This amount should be decided based on your goals and risk comfort. Avoid putting all funds into one stock.

    Step 4: Place Your Order

    Search the stock name on Pocketful, choose quantity, and place a buy order at market or limit price.

    Step 5: Track and Review Regularly

    Monitor performance and sector news. Focus on the company updates to decide when to hold, add, or exit.

    Who Should Invest in Construction Stocks

    Construction stocks suit investors who want to align their portfolio with India’s long-term growth story. These stocks work best for investors who have patience and are ready to work on the investment. So, the portfolio of investors who can invest are:

    • Long-term investors with a horizon of five years or more.
    • Investors are comfortable with sector-based ups and downs.
    • Those looking to benefit from infrastructure and housing growth.
    • Investors who track government spending and economic cycles.

    Pros of Investing in Construction Stocks

    Construction companies benefit directly from economic expansion and public spending. This creates long-term opportunities.

    • Direct exposure to infrastructure and urban growth.
    • Large order books provide revenue visibility.
    • Government projects support demand stability.
    • Strong returns are possible during economic upcycles.

    Read Also: Top Green Building Material Stocks in India

    Cons of Investing in Construction Stocks

    Like any cyclical sector, construction stocks carry risks that investors must understand.

    • Earnings depend on project execution and timelines.
    • Delays can impact cash flows and margins.
    • High working capital needs increase financial pressure.
    • Returns may remain muted during slowdowns.

    Conclusion

    Construction stocks are one of the finest options if you wish to work on wealth generation. They offer a practical way to participate in India’s development journey. They reward patience, research, and a long-term view. 

    If you want to invest with clarity and control, platforms like Pocketful make the process simple. You can research, invest, and track your construction stock portfolio in one place while staying aligned with your financial goals.

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    Frequently Asked Questions (FAQs)

    1. What drives the performance of construction stocks in India?

      Construction stocks move mainly with government infrastructure spending, real estate demand, and private sector capex. Order inflows, timely execution, and cash flow management play a major role in long-term performance.

    2. Are construction stocks suitable for beginners?

      Beginners can invest, but only after understanding sector cycles. It is better to start with established companies and avoid overexposure to small, highly volatile stocks.

    3. How long should one hold construction stocks?

      A holding period of at least five years is ideal. This will allow your invest to grow and generate the wealth that you are intending to. 

    4. What are the key risks in construction stocks?

      Project delays and rising input costs are the major risks to focus on. Some others include the funding issues and policy changes that can impact returns. Regular monitoring is essential.

    5. Can construction stocks be part of a diversified portfolio?

      Yes, they work well when combined with defensive and growth sectors. This will help you to create a portfolio that is balanced and spreads the risk well.

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