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What is Gold Trading?

Gold has always been considered one of the most-trusted assets across the world. There are various options through which one can trade in gold and earn short-term profit, offering flexibility, liquidity, and diverse strategies for different types of investors, while also acting as a reliable hedge against inflation, market uncertainty, and global economic volatility.

In today’s blog post, we will give you an overview of Gold Trading, along with the methods through which one can trade in Gold.

What is Gold Trading?

Gold trading involves buying and selling Gold in various forms, such as Gold ETFs and physical gold, to earn a profit from the price movement of gold. Trading in gold has been popular among investors for many centuries, as gold is considered a safe haven. An investor tries to identify the trend of the gold price. If the price moves up, they can go long or buy gold, and if they think the price of gold will fall, they can sell the gold to earn a profit.

Key Features of Gold Trading

The key features of Gold Trading are as follows:

Gold trading offers liquidity as it can be bought and sold easily.
In case of economic uncertainty, gold tends to be investors’ favourite because it performs well during such conditions.
One can trade in gold using various options such as ETFs, physical gold, etc.
There are market regulators who offer

Steps to do Gold Trading

The steps to start gold trading are as follows:

Trading and Demat Account: The first step to start trading in gold is to open a demat and trading account. Pocketful offers you to open a lifetime free demat and trading account, with zero brokerage on delivery.
Select the Gold Instrument: The next step is to identify the gold instrument in which you wish to trade. This selection is based on your risk tolerance, return expectation, etc.
Analyse the Trend: Based on the historical data and technical analysis, you can identify the trend of gold prices.
Adding Funds: Once you identify the trend, you are required to add funds to your trading account. You can do so using various online methods such as UPI, RTGS, NEFT, etc.
Executing Order: As soon as the funds start reflecting in your demat account, you can place a buy or sell order based on the trend you have identified.
Review: Regular monitoring of your position in gold is required. As there are various events which can significantly impact the movement in the gold price.

Types of Gold Trading

The various types of Gold Trading are as follows:

Gold ETF: Gold ETFs are traded on the stock exchange. One is required to have a demat and trading account to trade in Gold ETFs. These funds are managed by the asset management companies and track the price of gold, similar to any other stock.You can easily open an account with Pocketful to start buying Gold ETFs and begin your investment journey seamlessly.
Gold Future: Gold Futures are the exchange-traded contracts traded on the multi-commodity exchange or commonly known as MCX. In this, an investor buys and sells gold at a fixed price at a future date.
Gold Options: Trading through gold options gives an investor the right but not the obligation to buy or sell gold at a set price before expiry. These contracts are also traded in MCX.
Stocks: One can also invest in stocks of mining companies. The performance of these stocks depends on the operational efficiency of the company.
Physical Gold: Most of the Indian investors purchase physical gold from the local jewellery shops and sell it when the market prices are high.

How to Calculate Profit in Gold Trading

The formula to calculate the profit in Gold Trading is mentioned below:

Profit in Gold Trading = (Selling Price – Buying Price) * Quantity

Let’s understand this with an example:

Suppose an investor purchases 10 grams of gold for INR 10,000 per gram.

And after 15 days, he sells the same quantity at 10500 INR per gram.

So in this case, the profit will be calculated as follows:

Profit in Gold Trading = (10500 – 10000) * 10

Profit = 5000

Therefore, the investor earns a net profit of INR 5000 from this trade after deducting all the relevant charges.

Read Also: Top 10 Reasons to Invest in Gold

Advantages of Gold Trading

The key advantages of gold trading are as follows:

Diversification: One can easily diversify their investment portfolio by investing in Gold, as gold has a low correlation with the equity and debt asset classes.
Liquidity: Trading in gold provides liquidity; one can easily enter and exit from their trades anytime.
Hassle-Free: While trading in gold, no one needs to worry about the storage and purity concerns.

Disadvantages of Gold Trading

The major disadvantages of gold trading are as follows:

Volatility: There are various factors due to which the price of gold fluctuates, such as inflation, demand for gold, interest rates, etc. Hence, one should keep a close eye on such factors.
Risk: Trading in gold futures contracts involves margin or leverage due to this a small price change can lead to significant losses.
Advanced Research: Trading in gold involves advanced research tools and knowledge; therefore, investors having expertise can trade in gold.

Conclusion

On a concluding note, Gold Trading is among the most commonly used means of earning profit and creating wealth with limited risk. There are various types of contracts which allow an investor to trade in Gold, such as ETFs, gold options and futures, etc. However, gold trading requires a detailed understanding of margins, contract size, etc. Therefore, it is advisable to consult your investment advisor before making any investment decision.

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Frequently Asked Questions (FAQs)

What is the best method to trade in Gold?
The best method to trade in Gold is futures and options contracts, as they offer high liquidity and are volatile in nature; therefore, one can earn profit from small movements in the gold price.
What is the meaning of Gold Trading?
Gold trading refers to the frequent buying and selling of different forms of Gold, such as spot, futures, options, etc.
What does margin refer to in Gold Trading?
Margin refers to the minimum amount which a trader is required to deposit with a broker to execute any buy or sell position in futures, spot and options contracts.
What are the factors which can affect the price of Gold?
The factors which can significantly impact the price of Gold include interest rate, inflation rate, economic data, etc.
Is it mandatory to have a demat account for trading in Gold?
Yes, it is mandatory to have a demat and trading account with a broker if you want to trade in Gold, Start easily with Pocketful today.

December 20, 2025

Top 10 Highest Revenue Companies in India 2025

India’s economy is growing rapidly, and along this journey, some Indian companies have grown so large that their annual revenue has reached not just crores, but lakhs of crores of rupees. These companies form the basis of the country’s largest industries, most employment, and strongest supply chains. In this blog, we’ll explore India’s highest revenue-earning companies today, how they grew so rapidly, and why they are considered the country’s “biggest companies in India.”

What is Company Revenue?

A company’s revenue is the total amount it earns from the sale of its products or services. Simply put, it can be called gross sales or gross income. This figure indicates the size of a company’s business and how much it sells in the market. This is often used to determine the biggest company in India or the highest turnover company in India.

Top Indian Companies by Highest Revenue

SO.N	Company	Revenue (in INR crore) Sep ‘25	Market Capitalisation (in INR crore)	Current Market Price (INR crore)	52-Week High
1	Reliance Industries Ltd	2,88,030	21,18,034	1,565	1,581
2	Life Insurance Corporation of India	2,42,569	5,65,467	894	1,008
3	Indian Oil Corporation Ltd	2,07,091	2,31,588	164	174
4	State Bank of India	1,75,898	9,03,677	979	999
5	Oil & Natural Gas Corp. Ltd	1,61,019	3,06,028	244	274
6	Bharat Petroleum Corporation Ltd	1,22,557	1,57,726	364	382
7	HDFC Bank Ltd	1,18,561	15,49,666	1,007	1,020
8	Hindustan Petroleum Corporation Ltd	1,10,919	97,347	458	495
9	Tata Motors Passenger Vehicles Ltd	73,810	1,32,859	361	497
10	Larsen & Toubro Ltd	69,368	5,66,739	4,120	4,135

(Data as of 28 Nov 2025)

A brief overview of the Indian Companies by Highest Revenue Stocks in India is given below:

1. Reliance Industries Ltd

Reliance began around 1960 when Dhirubhai Ambani started a small textile business. While the beginnings were simple, the company gradually expanded its scope. First, textiles, then petrochemicals, then refining… and today, it encompasses everything from retail, digital services, and networks. Reliance’s hallmark has always been its ability to quickly grasp opportunities and transform them into large-scale solutions. This is why the company is now so intertwined with people’s everyday needs; its influence is evident in every household.

2. Life Insurance Corporation of India (LIC)

LIC was founded in 1956 when several small and large insurance companies operating in India were merged to form a national entity. The government’s goal at that time was to ensure that people had access to the essential service of life insurance with confidence and a clean process. LIC’s mission was straightforward from the beginning: to provide people with plans that offered both long-term protection and savings. Gradually, the organization expanded across the country, and today, LIC is recognized in some form or another in almost every Indian household. Its recognition is also strengthened by its stable and reliable approach, rather than being aggressive like private companies.

3. Indian Oil Corporation Ltd (IOCL)

Indian Oil was established in the 1960s and is directly connected to people’s everyday needs. From petrol pumps to household kitchens, the name Indian Oil is present in everyday life in one way or another. Initially, the company focused solely on the supply and marketing of petroleum products, but gradually expanded into refining, pipeline networks, and various fuel-related operations. Indian Oil’s distinctive feature is its ability to reach every corner of the country; its pumps and distribution network are available even in small towns. This has led it to be considered the organization that keeps India’s energy system running smoothly, without any fuss.

4. State Bank of India (SBI)

SBI, as it exists today, began in 1955. Prior to that, it operated as separate, older banks, but was later consolidated under a single name, becoming the nation’s public sector bank. SBI’s mission is straightforward connecting people to banking, whether they live in a large city or a small village. Most families have some kind of connection with the bank, which has given it a distinct identity. People see SBI as a bank that is trustworthy and available everywhere, whether it’s an ATM or a simple account.

5. Oil & Natural Gas Corporation Ltd (ONGC)

ONGC was established in the 1950s when the need for organized oil and gas exploration was felt in the country. At that time, India was increasingly dependent on external sources for energy, so the government wanted to create an organization capable of exploring underground resources. ONGC’s work began with this: locating oil and natural gas reserves, exploring them, and then extracting and making them usable. Gradually, this work expanded, and ONGC became a major name in the energy sector. People consider it a company that lays the foundation for the country’s energy security, as its work, despite being behind the scenes, impacts the entire nation.

6. Bharat Petroleum Corporation Ltd (BPCL)

BPCL was established in 1976 when the government decided to consolidate petroleum-related operations in the country. Prior to this, several small companies operated in separate capacities, but they were merged to form a large, trusted entity BPCL. Initially, the company focused on the basic tasks of refining and transporting petroleum products, but gradually its network expanded to the point where its signboards became a common sight on highways. A distinctive feature of this company is its unwavering commitment to maintaining fuel supply, whether in difficult circumstances or on normal days.

7. HDFC Bank Ltd

HDFC Bank was founded in 1994, at the dawn of a new era for private banks. Banking wasn’t as simple back then, but HDFC Bank focused on providing clean systems and reliable services from the start. The bank primarily handles daily accounts, digital banking, and support for small businesses. Gradually, it established its reputation as a bank that operates professionally and provides hassle-free customer service. Technology continued to evolve, and the bank adapted accordingly; perhaps that’s why it’s considered one of the most trusted banks today.

8. Hindustan Petroleum Corporation Ltd (HPCL)

HPCL was formed in 1974. The clear reason behind its formation was that petroleum-related work was a bit fragmented at the time, and the country needed a company that could effectively manage the entire supply and process. It started small refining and basic distribution but gradually its network expanded significantly. Today, it handles a significant portion of the fuel supply across India. Its primary focus is ensuring that fuel shortages are not faced and that the required supplies are delivered on time. HPCL has a reputation as a steady, focused company that performs its duties without any pretense.

9. Tata Motors Passenger Vehicles Ltd

Tata Motors was founded in 1945, at a time when India was in the early stages of industrial development. The company initially began with trucks and heavy vehicles, as that was what the country needed most at the time. Later, as the demand for cars grew, Tata gradually began focusing on passenger vehicles as well. The company’s approach has always been a little different—it observes the type of car Indian families actually prefer and then designs its models accordingly. Safety, robust construction, and simplicity these three qualities are clearly evident in Tata cars. Over time, the company has learned to adapt, and that’s why many of its models have become everyday favorites.

10. Larsen & Toubro Ltd (L&T)

L&T was founded in the 1930s when two engineers wanted to professionalize engineering and construction in India. Initially, the company performed small jobs, imported machinery, and provided some technical services. Over time, these small projects evolved into larger projects. Today, L&T handles everything from metro lines to large bridges, factories, and industrial plants. The company is particularly known for its ability to patiently complete even difficult tasks. Wherever a major infrastructure project is involved, the L&T name is often associated with it in some way.

Read Also: Top Cash-Rich Companies in India

Key Performance Indicators (KPIs)

The key performance metrics of Highest Revenue Stocks Stocks in India are mentioned below:

Company	Operating Margin (%)	Net Profit Margin (%)	ROE (%)	ROCE (%)	P/E (x)
Reliance Industries Ltd	13.50	8.37	8.25	8.70	24.77
HDFC Bank Ltd	25.58	21.83	13.56	2.62	9.85
State Bank of India	21.80	16.09	16.87	1.91	8.88
Larsen & Toubro Ltd	10.33	6.91	15.39	14.89	31.93
Life Insurance Corporation of India	6.13	5.42	38.15	0.97	10.50
Oil & Natural Gas Corpn Ltd	10.79	6.09	10.54	11.15	8.55
Indian Oil Corporation Ltd	2.99	1.58	7.39	8.22	12.94
Bharat Petroleum Corporation Ltd	4.73	2.72	16.38	16.30	8.92
Tata Motors Passenger Vehicles Ltd	8.89	6.33	23.96	18.45	5.14
Hindustan Petroleum Corporation Ltd	2.87	1.57	13.16	12.67	11.38

(Data as of 27 Nov 2025)

Consider Before Investing in High-Revenue Companies

Understand the company’s core business : Before investing, it’s important to consider the company’s revenue stream and its stable business model. Large revenue alone doesn’t fully reflect a company’s strength.
Assess the state of the sector : Not every industry grows at the same pace. Understanding the future direction and strong demand of the sector in which a company operates is crucial for investing.
Pay attention to management credibility : Who runs a company makes a significant difference in long-term performance. Companies with strong and experienced leadership are better able to handle challenges.
Determine your investment horizon : If your goal is long-term, large and stable companies may be a better choice. However, if you need short-term returns, making decisions based solely on revenue can be risky.

How to invest in Top Indian Companies by Highest Revenue with Pocketful

With Pocketful, you can follow a simple setup to invest in India’s highest revenue companies:

Account Setup: Open and complete KYC on Pocketful.
Stock Screening: Use screeners to filter high-revenue leaders.
Analysis Setup: Check financials, KPIs, and valuations.
Entry Setup: Use charts to find better buying levels.
Order Setup: Place delivery orders directly.
Tracking Setup: Monitor and rebalance your portfolio regularly for long-term growth.

Conclusion

It’s easy to see a large company and understand its potential, but investment decisions should always be made with some thought. Each company’s operations are unique, and its strengths depend on this. Therefore, it’s best to assess its business’s sustainability over the coming years and its ability to adapt to changes. If these factors are clear, such companies can be a good addition to your portfolio in the long run.

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Frequently Asked Questions (FAQs)

Which Indian company has the highest revenue?
As per the latest data in this list, Reliance Industries Ltd has the highest revenue among Indian companies, driven by its diversified presence in energy, petrochemicals, retail, and digital services.
Is it safe to invest in high-revenue companies?
One shouldn’t judge based solely on revenue. The company’s performance and stability are also important.
What should I check before investing?
The company’s business model, the state of the sector, and how management operates—these three things are sufficient.
Do PSU companies rank high in revenue?
Yes, many PSU companies operate on a large scale, so they often appear in the top lists.
Does high revenue mean high profit?
Not necessarily. Expenses are often high, which leads to low profits.

December 20, 2025

Best Tea and Coffee Stocks in India

Tea and coffee is something that is used by most of the Indians to start their day with, making it a common habit resulting in a huge and stable market for the tea and coffee companies in India. The continuous demand gives a strong sale every year to these companies.

India is a tea drinking nation and here tea is consumed almost 15 times more than coffee. This deep-rooted habit provides solid support for basic tea stocks in India.

Investors can look for two important factors to grow in this sector, first by the large-scale consumption in the country itself and secondly by the high global trade. India plays a vital role as it is the 3rd largest tea exporter worldwide and the 7th largest coffee producer in the world. These factors help us in domestic as well as the international sales, making both coffee stocks India and tea stocks important.

Tea and Coffee Market Trends

There is stability in the Indian Tea market and it is a huge market with a potential to grow its revenue to about US $2.8 Billion by 2030 which is steadily growing at 4.8% per year. The traditional black tea is still among the most popular types of tea.

Although the Indian Coffee market is rising rapidly and is estimated to reach over US $2.8 billion by 2030 with a growth rate of about 7.8% per year. This jump is witnessed because the purchasing capacity is increasing and people are shifting towards the cities. The rapid growth in coffee compared to tea gives us a picture about the future profits that will be coming from premium coffee and other high value products.

Best Tea and Coffee Stocks for 2025

1. Tata Consumer Products Ltd. (Tata Consumer)

Tata Consumer Products Ltd. is one of the undisputed leaders in the sector which has a huge market capitalization of over Rs.1,13,698 Cr. This company owns big household brands like TATA Tea for the domestic market and Tetley for the world. There is a high diversification in this business with packaged foods and beverages giving it an extra edge and saving it from the direct impact of swinging tea and coffee commodity prices.

The company is strategically consolidating its position, having merged/demerged its Tata Coffee operations into the main Tata Consumer structure. This makes the overall business clearer and reinforces its standing as an integrated food and beverage powerhouse.

2. CCL Products (India) Ltd.

CCL Products is one of the unique players in the market that is known as the world’s largest private label manufacturer of instant coffee. It has a B2B business model with almost 90% of its revenue coming from bulk exports of Instant coffee to multiple global brands and clients that require private labels. The main strength of the company is its global scale and cost efficient manufacturing. It cleverly avoids many local commodity price risks by purchasing raw materials globally and exporting finished, value-added products, which gives operational resilience and stable margins to the company.

3. Vintage Coffee & Beverages Ltd. (VCBL)

VCBL was incorporated in the year 1980, it specializes in manufacturing and exporting instant coffee and chicory. The products of this company are sold under its own ‘Vintage’ brand which also offers private labeling services. This company has a strong focus on the technology, such as using advanced double aroma recovery systems, and also provides customized packaging solutions to the global customers. The company has a market capitalization of over Rs.2,377 Cr and shows healthy return ratios, such as an ROE of 17.0%.

4. Tata Coffee Ltd.

Although TATA coffee was earlier a separate business entity, it is no longer independently listed. The plantation business of TATA coffee is demerged into a subsidiary of TATA consumer, and the rest of the business under this company are merged into TATA Consumer Products Ltd. Investors who were having shares of TATA Coffee have received a ratio of shares of TATA Consumer Products Ltd. as part of this demerger arrangement.

5. Bombay Burmah Trading Corporation Ltd. (BBTCL)

With its historic presence in the coffee and tea sector BBTCL is one of the oldest listed companies in India. The company is primarily viewed as a holding company as it has a good amount of stake in Britannia Industries. Though the company has a good exposure to plantations as well, the stock price performance is mainly connected to the results and valuation of Britannia.

6. Goodricke Group Ltd.

Goodricke Group Ltd. company is a major tea planter with its tea gardens located in Darjeeling, Assam, and Dooars. The company mainly deals in bulk teas and instant teas. The land bank of the company has also been increased as it has acquired certain estates from McLeod Russel, by taking the advantage of distress in the organized tea sector. Majority of the revenue generation of the company is done from the domestic markets.

7. Jay Shree Tea & Industries Ltd.

Jay Shree Tea & Industries Ltd. company is part of B.K.Birla group and is amongst the largest producer and exporter of tea with its estates situated in Indian regions and East Africa. It not only focuses on tea but also offers diversification through products of non tea segments like sugar and chemicals. The company is highlighted for its high-quality speciality teas, including Darjeeling First Flush Oolong Tea. Majority of the company’s revenue is generated from India only.

8. McLeod Russel India Ltd. (MRIL)

McLeod Russel was once a major leader in the tea plantation sector. However, the company has faced severe financial and operational difficulties in recent years. Its ongoing struggles demonstrate the high volatility and inherent risks associated with the heavily indebted bulk plantation business model.

9. Rossell India Ltd.

Rossell India Ltd. company is not only based in the tea sector but also has its presence outside of its core agricultural business. The company is present in the aerospace and defense sector as well. The main focus of the company is to grow, manufacture and sell high-quality tea in the national and international market.

10. Dhunseri Tea & Industries Ltd. (DTIL)

DTIL is a smaller listed plantation company whose profitability is very exposed to the financial stress currently affecting the organized bulk tea sector. The company’s stock performance has seen significant negative returns over the short and long term.

Company Name	Market Cap	Stock Price	52 Week High	52 Week Low
Tata Consumer Products Ltd.	Rs.1,13,767 Cr.	Rs.1,162	1,202	883
CCL Products (India) Ltd.	Rs.12,412 Cr.	Rs.929	1,074	525
Vintage Coffee & Bev. Ltd.	Rs.2,377 Cr.	Rs.164	174	147
Jay Shree Tea & Ind. Ltd.	Rs.240 Cr.	Rs.83	151	82
Goodricke Group Ltd.	Rs.358	Rs.166	295	162
McLeod Russel India Ltd.	RS.458	Rs.44	68	28
Dhunseri Tea & Ind. Ltd.	Rs.170 Cr.	Rs.162	314	146
Rossell India Ltd.	Rs.204	Rs.54	97	53
Bombay Burmah Trading Corp.	Rs.12,663	Rs.1,815	2,488	1,607

Data as of 08.Dec.2025,

Key Factors to Consider for Tea and Coffee Stocks

1. Revenue Mix

While analysing these companies investors shall look for companies sales and where is it coming from. Branded players like TATA Consumers have the pricing power as they sell packaged goods under established brands. These companies often dictate the prices, ensure stable revenue and pass the rising raw material costs onto consumers. This provides a stable revenue and profit. However, Tea and Coffee producing companies are “price takers” as their main focus is on selling raw commodities via auctions and profits depend upon the highly volatile auction prices. The companies with high bulk exposure have more erratic and unpredictable earnings, making them a little riskier option.

2. Financial Health and Margin Check

Margin Stability is the main factor as investors shall look at the trend of EBITDA margin (operating profit measure) and Return on Equity (ROE). Companies showing a continuous high ROE tells us that the management is efficient in getting profits from the shareholders capital.

Debt Levels and Working Capital shall be considered for plantation firms, as farms have a seasonal cycle here production has a graphical pattern as these companies require more capital due to bridging the gap between putting money on plantation and getting money from final sales. High debt is considered as a warning whereas companies that maintain their Debt-to-Equity ratio under 0.5 are generally considered safer.

3. Quality of Leadership and Management

Corporate governance of the companies is extremely important especially for smaller firms. In small promoter driven plantation companies there is generally a risk concentrated shareholding and potentially complex crossholdings. As an investor you should look for factors like clear financial reporting, professional management and a transparent shareholding pattern.

4. Valuation Metrics

This metric helps in determining if the stock price is low or high compared to other stocks in its segment. P/E ratio mainly used and companies like TATA generally trade at high P/E ratio which reflects that the market is ready to pay a premium for the company’s stability, predictable growth, and powerful brand leadership.

For Plantation stocks, the valuation is more complex as these bulk creators have volatile earnings meaning the P/E ratio might fluctuate widely or may even come down to zero during a bad yield year. A very low P/E of a stock does not mean it is cheap, rather it is a signal that the company has high risk or has poor quality of earnings.

5. Climate Risk (ESG Focus)

This is the biggest unpredictable issue of the farming businesses. Tea cultivation heavily relies on static temperature and consistent rainfall. In the past few years weather has shown an unusual pattern, like severe frosts followed by sudden temperature spikes, and then massive rainfall, which causes significant crop losses. This risk shows that Environmental (E) factors and Social (S) factors (like labour) are central financial risks for plantation stocks.

Key Financials of Tea and Coffee Stocks

Financial Comparison of Key Tea and Coffee Stocks (Approximate Metrics)

Company Name	P/E Ratio	ROE (%)	ROCE (%)	Dividend Yield (%)
Tata Consumer Products Ltd.	76.72	6.39	7.92	0.71
CCL Products (India) Ltd.	37.5	17	13.1	0.53
Vintage Coffee & Bev. Ltd.	40.7	17	15.4	0.06
Jay Shree Tea & Ind. Ltd.	12.0	9.73	3.74	0.58
Goodricke Group Ltd.	0.0	2.86	3.22	0.00
McLeod Russel India Ltd.	-1.78	0.00	-13.62	0.00
Dhunseri Tea & Ind. Ltd.	0.00	-9.21	-44.5	0.62
Rossell India Ltd.	10.8	10.8	10.5	0.72
Bombay Burmah Trading Corp.	11.6	21.9	35.5	0.92

Data as of 08.Dec.2025

Check Out: List of Tea & Coffee Sector Stocks

Risks to Consider

Climate Vulnerability: Climate is a major player which is a very unpredictable risk for the plantation company. As both tea and coffee’s growth is majorly dependent on the stable weather patterns.
Commodity Price Swings and FX: The prices of tea and coffee are decided globally and if there is a global surplus in the production of these commodities then prices are directly hampered.
Foreign Exchange (FX) Risk: In the foreign exchange market if the Indian rupee suddenly gets stronger in comparison with the global currencies like US Dollar or Euro the portion of profits shrinks. Due to this the Indian exporters have a risk to the changing forex rates.
Labour Cost Pressure: Labour wages are a fixed cost that tends to rise with time. Also the Indian Tea Association has seen a sharp decline in the profits due to increasing labour cost.
Concentrated Revenue: Most of the tea companies heavily rely on one or two specific regions like assam or darjeeling or any single type of tea, making them highly susceptible to risk if these areas face hardship due to weather, production issue or if demand falls.

Pocketful is a one stop solution to invest in stocks, ETFs, and other assets. So as an investor you can do your research, identify potential tea stocks or coffee stocks and use the pocketful platform to invest for your future trades.

Conclusion

Investing in tea and coffee stocks is a compelling investment area which is directly dependent upon domestic consumption and increasing global export opportunities.

Although this sector requires a careful analysis and before investing you should understand the difference between brand-led companies and plantation based companies.

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Frequently Asked Questions (FAQs)

What is the main difference between FMCG and Plantation Stocks?
FMCG stocks mainly depend upon branding, marketing, and distribution of their products to earn a stable margin. On the other hand plantation stocks depend upon crop yield and the international price fluctuations which gives highly volatile earnings.
Why is specialty coffee a key trend to watch?
Specialised coffee’s growth is rising rapidly with 13.6% CAGR in India. The growth is driven by a new and young consumer base and a demand for premium, high value products that gives a good profit to those companies that focus on high quality production.
How can climate affect the product yield?
Sudden changes in the weather like droughts, hailstorms, and frosts directly affects the crop yield of both tea and coffee which has a direct effect on bulk production.
How are margins lowering for bulk tea producers?
They are shrinking because of fixed costs of labour and the stagnant or declining prices due to increased production and surplus supply.
Is Tata Coffee still listed on the stock exchange?
Right now the company is having a merger with TATA Consumer Products, that is leading to its effective removal from the index and consolidation under the larger entity.

December 19, 2025

Best High EPS Stocks in India

Before investing in any stock, it is essential to conduct thorough fundamental research to minimise potential losses. There are various parameters through which this research can be completed. One such indicator is EPS, or Earnings Per Share, which represents a company’s profitability, operational efficiency, etc.

In today’s blog post, we will give you an overview of the best high EPS stocks in India, along with the benefits of investing in them.

What are High EPS Stocks?

High EPS stocks are the shares of those companies which generate high profits, with respect to outstanding shares. This financial metric is used by the investor to evaluate the company’s profitability and its financial health. Companies with high EPS are those which consistently post strong profitability over time.

Top High EPS Stocks to Buy in India

Akzo Nobel India Limited
Hindustan Petroleum Corporation Limited
National Aluminium Company Limited
Bharat Petroleum Corporation Limited
Chambal Fertilisers & Chemicals Limited
General Insurance Corporation of India
Power Finance Corporation Limited
REC Limited
NMDC Limited
LIC Housing Finance Limited

Company	Current Market Price (INR)	Market Capitalisation (in INR crore)	52-Week High	52-Week Low
Akzo Nobel India Limited	3,616	16,467	3,958	3,022
Hindustan Petroleum Corporation Limited	464	98,730	495	288
National Aluminium Company Limited	276	50,755	280	138
Bharat Petroleum Corporation Limited	366	1,59,223	382	234
Chambal Fertilisers & Chemicals Limited	446	17,893	742	410
General Insurance Corporation of India	378	66,360	526	351
Power Finance Corporation Limited	336	1,10,965	513	335
REC Limited	336	88,476	566	335
NMDC Limited	77	67,916	79	59
LIC Housing Finance Limited	527	29,007	647	484

(As of 16th December 2025)

Overview of Best High EPS Stocks in India

The detailed overview of the best high EPS stocks in India is as follows:

1. Akzo Nobel India Limited

Akzo Nobel India Limited company started operations in 1954, and it was a subsidiary of AkzoNobel N.V., which was a leader in paints, coatings, etc. It expanded into various entities and later consolidated its business units into a single entity. It focuses on decorative paints, coatings for both industrial and automotive usage. The company’s headquarters is situated in Haryana.

2. Hindustan Petroleum Corporation Limited

Lube India Limited and Esso Standard were merged to form HPCL in 1974. In 1992, the company became the first public sector company to list on the Bombay Stock Exchange. The company was made a Maharatna after achieving a profit of 10644 crore. In India, it operates through a network of over 17,000 gas stations, of which 40% are found in urban areas, and the rest are situated on highways and in rural areas. The company is headquartered in Mumbai.

3. National Aluminium Company Limited

National Aluminium Company Limited company was incorporated in 1981 to enhance the country’s aluminium production capacity. It established offices in Singapore and Dubai and became a prominent player in the aluminium export industry. In 2011, the company received the status of Navratna. The company is currently focusing on the expansion of its mining and refineries, as well as renewable energy sources. The head office of the company is situated in Odhisha.

4. Bharat Petroleum Corporation Limited

BPCL was established in 1952 by Burmah Shell and the Indian government in the form of a joint venture. In 1976, the Indian government bought Burmah Shell, thus turning BPCL into a wholly owned government company. The company is involved in the exploration, refining, distribution, marketing, and sale of petroleum and petroleum-related products. The Ministry of Petroleum and Natural Gas of the Indian government controls it. The company was given the status of Maharatna Company, and its headquarters are located in Mumbai.

5. Chambal Fertilisers & Chemicals Limited

Chambal Fertilisers & Chemicals Limited founded in 1985 as a part of the K.K. Birla Group. It was initially known by the name Aravali Fertilisers Limited, and later in 1989, it was renamed as Chambal Fertilisers Limited. The company manufactures high-quality fertilisers, ureas, etc. The company launched its IPO in 1993. The company’s headquarters is situated in New Delhi.

7. General Insurance Corporation of India

In 1972, the company General Insurance Corporation was established and incorporated under the General Insurance Business (Nationalist) Act. It formed four subsidiaries, which were called National Insurance Company, New India Assurance, oriental Insurance and United India Insurance. In the year 2017, the company issued its IPO, which happened to be among the largest insurance IPO in India. GIC functions under the Ministry of Finance. The company’s head office is situated in Mumbai.

8. Power Finance Corporation Limited

Power Finance Corporation Limited is one of the biggest public sector companies in India that provides funding to the power industry. The PFC was set up in 1986 and provides funding to projects which are involved with power generation, transmission, and distribution. The company is also engaged in renewable energy projects and helps with the execution of a number of government programs. The headquarters of the company is in New Delhi.

9. REC Limited

In 1969, the Rural Electrification Corporation Limited (REC) was formed with an objective to construct the infrastructure needed for rural electrification. The company went public in 2008 and became a publicly listed company. The Government of India gave it the title of “Navratna” later that year. The company’s headquarters is in New Delhi.

10. NMDC Limited

The government of India formed NMDC in 1958 to exploit the mineral resources. This company was first involved in the exploration of iron ore, copper, etc. Since its operations started in iron mining, it has diversified to diamond, gold, etc mining. In 2008, the company was granted the status of Navratna. In 2010, NMDC issued an IPO and became a publicly traded company. The head office of the company is located in Telangana.

11. LIC Housing Finance Limited:

Housing Finance Limited. LIC was founded in 1989 as a subsidiary of Life Insurance Corporation of India, the goal of which was to offer affordable housing loans to societies. In 2008, it set up a subsidiary in Dubai to offer its services to Indians living in the Gulf cities. Its IPO was introduced in 1994, and the company turned into a publicly traded company. The company has its headquarters in Mumbai.

Read Also: 10 Low PE Ratio Stocks in India

Key Performance Indicators (KPIs)

Company	Debt to Equity	ROE (%)	ROCE (%)	Operating Profit Margin (%)	Net Profit Margin (%)	EPS
Akzo Nobel India Limited	0	32.31	39.88	14.16	10.49	94.31
Hindustan Petroleum Corporation Limited	1.30	13.16	22.05	2.87	1.57	31.66
National Aluminium Company Limited	0.01	29.58	37.11	42.85	31.71	28.68
Bharat Petroleum Corporation Limited	0.63	16.38	16.30	4.73	2.72	31.21
Chambal Fertilisers & Chemicals Limited	0	18.89	23.14	14.22	9.11	41.17
General Insurance Corporation of India	0	12.08	11	19.69	14.05	42.36
Power Finance Corporation Limited	8.25	19.52	65.86	96.99	28.65	69.67
REC Limited	6.38	20.41	68.85	96.24	28.18	60.20
NMDC Limited	1.34	12.72	9.40	30.21	20.96	20.34
LIC Housing Finance Limited	7.44	14.97	71.54	93.93	19.35	98.95

Benefits of Investing in High EPS Stocks in India

The key benefits of investing in high EPS stocks in India are as follows:

High Profitability: Stocks with high EPS have strong fundamentals and a business model. They consistently generate profit, which makes them more reliable during economic downturns.
Low Risk: Investment in stocks having high EPS generates profit in the long run and tends to have lower risk than other companies because of high cash reserves and less debt.
Positive Sentiments: These stocks generally have positive market sentiments because they attract investments from the FIIs, DIIs, etc.

Factors to Consider Before Investing in High EPS Stocks in India

The key factors which one should consider before investing in high EPS stocks are as follows:

Company’s Financials: Before investing in any stock with high EPS, one must check its financial performance. The company’s revenue must be increasing and have high profit margins.
No One-Time Gain: There should not be a one-time gain or profit, as it may raise EPS in a particular year.
Competition: An investor needs to check for the company’s competition before investing. EPS cannot be the only parameter to invest in a company.

Read Also: List Of Best Paper Stocks in India

Conclusion

To sum up, investing in businesses where there is a high EPS will give you a chance to generate wealth over a long period. When EPS is high, it indicates that it is profitable, growing, and it is efficient in creating wealth for the shareholders in the long run. But investment based only on EPS is not a good one, and one should check other parameters and then make an investment, and can consult their investment advisor.

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Frequently Asked Questions (FAQs)

What is the full form of EPS?
The full form of EPS is Earnings Per Share.
Name some stocks which have high EPS?
The stocks which have high EPS are Bharat Petroleum Corporation Limited, National Aluminium Company Limited, Hindustan Petroleum Corporation Limited, Chambal Fertilisers and Chemicals Limited, REC Limited, etc.
What are high EPS stocks?
High EPS stocks are the shares of those companies which report high earnings, profitability relative to their outstanding number of shares.
What is the formula to calculate the EPS?
The formula to calculate the EPS is Net Profit/Total Number of Outstanding Shares.
Is it advisable to invest in companies with high EPS?
Yes, one can invest in companies with high EPS as it reflects high profitability. However, investing based only on EPS is not a good idea; there are various other factors which also need to be considered before investing.

December 19, 2025

SIP in ETF: How to Invest Regularly in ETFs

Investing is no longer about making one big move at the right time. For many, it’s about being consistent. That’s where the idea of SIP in ETF comes in. It allows you to invest small amounts regularly in Exchange Traded Funds, just like you do in mutual funds. Over time, this habit helps you build wealth without worrying too much about market ups and downs.

Unlike traditional mutual fund SIPs, ETF SIP give you more control and transparency, as you directly invest in funds that track market indices like Nifty or Sensex. It’s simple, disciplined, and suits those who prefer long-term investing with a cost-effective approach.

But the question is, how can you do the same? Well, read this guide to know everything you need to know about the SIP in ETF and plan better.

What Is SIP in ETF?

A Systematic Investment Plan (SIP) in an ETF is a simple and consistent way to invest a fixed amount at regular intervals in Exchange Traded Funds. It helps investors build wealth gradually. This is mainly done by spreading their investments over time instead of making a lump sum purchase.

Through SIP in an ETF, you buy small units of an index-based fund like Nifty 50 or Sensex every month. This approach encourages discipline, reduces the impact of market volatility, and supports long-term wealth creation.

SIP in ETF: How to Get Started

Starting a SIP in ETF is simple once you know the process. Since ETFs trade like shares on the stock exchange, you’ll need a few basic things before you begin. Here’s how you can start your ETF SIP step by step.

1. Open a Demat and Trading Account

To invest in SIP ETF, you need an active Demat and trading account with a registered broker. This account will hold your ETF units and help you buy or sell them directly on the exchange.

2. Choose the ETF

Select an Exchange Traded Fund that matches your goal. You can pick from index-based options like Nifty 50, Sensex, or thematic ETFs. This will be based on your risk appetite and time horizon.

3. Decide the SIP Amount and Interval

Fix a comfortable monthly investment amount for your SIP in ETF. Most investors prefer a monthly cycle, but you can also choose daily, weekly & quarterly depending on your budget.

4. Set a Reminder or Use Broker Tools

As most platforms don’t have an automatic SIP feature for ETFs, you can set reminders or use your broker’s automation tool to buy units on a fixed date every month.

5. Track Your Investment

Keep an eye on your ETF SIP performance. Ensure to track them regularly and make changes in the portfolio to ensure you gain good returns.

Benefits of SIP in ETF

A SIP in ETF combines the advantages of systematic investing with the transparency of exchange-traded funds. Some of the key benefits that you must know are as follows:

1. Promotes Consistent Investing

Investing through a SIP in ETF helps you stay disciplined. This allows you to invest a fixed amount at regular intervals. This habit eliminates the emotional decisions for better returns.

2. Lower Cost of Investing

ETFs generally have a lower expense ratio. With a SIP ETF, you benefit from lower fees. This means a larger amount is invested to grow, and you still gain exposure to a diversified portfolio.

3. Diversified Portfolio

A single ETF can track a market index like Nifty 50, Sensex, or Nifty Next 50. This gives you access to multiple companies in one go. This reduces the risk of investing in individual stocks.

4. Rupee Cost Averaging

When you invest the same amount regularly, you buy more units when prices are low and fewer when they are high. This helps to average out the cost and you can earn better returns.

5. High Liquidity and Transparency

ETFs trade on the stock exchange just like shares. You can buy or sell them anytime during market hours, and you always know the price you’re paying. This gives SIP in ETF high flexibility and transparency.

Limitations of SIP in ETF

While ETF SIP offers many advantages, it also has some practical challenges that investors should consider before starting.

1. No Automatic SIP Facility

Most brokers do not offer an automatic SIP option for ETFs. You either need to buy units manually every month or use your broker’s automation tools, if available.

2. Need for Demat and Trading Account

To start a SIP in an ETF, you must open a Demat and trading account. For new investors, this adds an extra step compared to traditional mutual fund SIPs.

3. Market Price Fluctuation

ETF prices move throughout the day based on demand and supply. This can slightly impact the cost of your investment each time you buy units.

4. Tracking Error

The performance of an ETF might not perfectly match its underlying index. Factors like fund management costs and cash holdings can create a small deviation called tracking error.

5. Limited ETF Options in India

The Indian ETF market is still developing. As a result, investors may find fewer thematic or sector-specific ETF choices compared to mutual funds.

Popular ETFs for SIP in India

If you plan to start a SIP in an ETF, choosing the right fund is important. The best ETFs offer high liquidity, low tracking error, and a proven record of tracking their underlying index efficiently. Here are some of the top ETF SIP options you can consider in India for 2025.

1. Nippon India Nifty BeES

This is one of the oldest and most popular ETFs in India. It tracks the Nifty 50 Index and offers a low expense ratio with good liquidity. Ideal for beginners looking to invest in large-cap companies through a disciplined SIP approach.

2. SBI ETF Sensex

Backed by SBI Mutual Fund, this ETF mirrors the BSE Sensex Index. It’s known for stability, tight tracking accuracy, and consistent returns. A SIP in an ETF like this suits investors who prefer blue-chip exposure.

3. HDFC Nifty Next 50 ETF

This ETF focuses on companies ranked between 51 and 100 on the NSE. It provides a chance to invest in India’s potential future large-caps. A SIP ETF in this fund can add growth potential to your portfolio.

4. ICICI Prudential Nifty Bank ETF

For those interested in the banking sector, this ETF tracks the Nifty Bank Index. A SIP in ETF here allows investors to benefit from the performance of top Indian banks.

5. UTI Nifty 50 ETF

Managed by UTI Mutual Fund, this ETF offers wide market exposure and low tracking error. It’s a strong option for long-term investors who want steady growth through an ETF SIP.

Common Challenges in SIP in ETF

While SIP in ETF offers structure and affordability, it also has some hurdles that investors should know before starting. These challenges can affect convenience and returns if not managed properly.

1. Manual SIP Setup

Unlike mutual funds, there is no automatic SIP option for ETFs on most exchanges. Hence, you would need to set reminders to ensure you make the payments on time.

2. Price Fluctuations

ETFs are traded throughout the day, so the buying price keeps changing. This can slightly impact the cost per unit each month in your ETF SIP.

3. Tracking Error

An ETF may not always perfectly match the returns of its benchmark index. Small differences, known as tracking errors, can affect overall returns.

4. Demat Account Requirement

You cannot start a SIP ETF without a Demat and trading account. This adds an additional step for beginners.

5. Limited ETF Categories

Although ETF options are growing in India, they are still fewer than mutual funds. This restricts diversification across themes and sectors.

Is SIP in ETF Safe?

Yes, SIP in an ETF is generally safe. This is when you invest in reputed ETFs that track well-known indices like Nifty 50 or Sensex. Since ETFs represent a basket of stocks, the risk is diversified. But still, the returns and performance are market-linked. So, there is no certainty. Staying invested for the long term and maintaining consistency helps reduce short-term volatility risk.

Conclusion

A SIP in ETF is a practical way to invest regularly in India’s top market indices. Through this, you can generate wealth and build a good corpus over time. But to ensure this, you need to plan well and invest in a systematic manner.

If you’re planning to begin your journey, take small steps and stay consistent. Learn more about smart investing with Pocketful and make every investment an informed one.

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Frequently Asked Questions (FAQs)

Can I start a SIP in an ETF without a broker?
No, a Demat and trading account with a registered broker is required to invest in ETFs.
Are ETFs suitable for short-term SIPs?
No, SIP in ETF works best for long-term goals, usually beyond three years, to benefit from market averaging.
Do ETFs pay dividends to SIP investors?
Yes, if the ETF distributes dividends, investors receive them in proportion to their holdings.
Can SIP in ETF be paused or changed anytime?
Yes, since most SIPs in ETFs are manual, you can adjust or skip purchases at your convenience.
Is it better to start SIP in index ETFs or sector ETFs?
For beginners, index-based ETFs like Nifty 50 or Sensex are safer. Sector ETFs carry higher risk due to limited diversification.

December 18, 2025

Best Lab-Grown Diamond Stocks in India

Purchasing a diamond is a wish of every individual, but due to its cost, it is not affordable for everyone. But because of companies that grow diamonds in labs, it is now affordable for everyone, making luxury accessible, sustainable, and budget-friendly without compromising on quality or brilliance.

In today’s blog post, we will give you an overview of the best Lab-grown diamond stocks in India, along with the key benefits of investing in these stocks.

What are Lab-Grown Diamond Stocks?

Lab-grown diamond stocks are the shares of companies primarily involved in the production, processing, and sale of diamonds created in a laboratory. The diamonds created using advanced technologies are similar to natural diamonds. Nowadays, these types of diamonds are gaining popularity because of their affordability and eco-friendliness, as they are processed in a controlled environment.

Top Lab-Grown Diamond Stocks to Buy in India

Titan Company Limited
Trent Limited
International Gemmological Institute (India) Limited
SKY Gold & Diamonds Limited
Senco Gold Limited
Goldiam International Limited
Renaissance Global Limited
Mini Diamond Limited
Dev Labtech Venture Limited

Company	Current Market Price (INR)	Market Capitalisation (in INR crore)	52-Week High	52-Week Low
Titan Company Limited	3,898	3,46,090	3,955	2,948
Trent Limited	4,250	1,54,962	7,490	4,236
International Gemmological Institute (India) Limited	328	14,194	642	282
SKY Gold & Diamonds Limited	330	5,121	489	246
Senco Gold Limited	312	5,109	598	228
Goldiam International Limited	398	4,498	569	252
Renaissance Global Limited	119	1,282	207	102
Mini Diamond Limited	140	330	233	97.5
Dev Labtech Venture Limited	77.58	87	94	52

(As of 28th Nov 2025)

Read Also: Best Diamond Stocks in India

Overview of the Best Lab-Grown Diamond Stocks

1. Titan Company Limited

The Tata Group founded Titan Limited in 1984. It was incorporated because of a joint venture between the Tata Group and Tamil Nadu Industrial Development Corporation Limited. Titan offers various products such as jewellery, watches, eyewear, etc. It also engaged in the manufacturing of lab-grown diamonds. Titan has performed exceptionally well in taking the legacy of the Tata Group. The company’s headquarters is situated in Mumbai.

2. Trent Limited

Trent is also a part of the Tata Group. It was founded when the Tata Group sold 50% stakes of Lakme, and the proceeds were utilised to set up Trent. It also entered the supermarket business and later launched Zudio as a fashion brand. In October 2024, the company launched a lab-grown diamond brand called Pome. The company’s headquarters are situated in Mumbai.

3. International Gemmological Institute (India) Limited

The International Gemological Institute was incorporated in Belgium in 1975. However, their Indian business was incorporated in February 1999. It started certifying lab-grown diamonds in 2005. The company was acquired by Blackstone, and since then, it has started expanding its business very aggressively. The company’s head office is situated in Mumbai.

4. SKY Gold & Diamonds Limited

The company was incorporated as a result of a partnership in 2005, and later it changed its name to Sky Gold Private Limited in 2008. In 2018, the company converted into a public limited company and got itself listed on the BSE SME platform. Later in 2023, it migrated into a mainboard IPO. Currently small portion of the company’s revenue comes from lab-grown diamonds, but it wishes to increase it significantly in future. The company’s headquarters is situated in Mumbai.

5. Senco Gold Limited

The company was incorporated in 1994 and was initially known as Senco Gold Private Limited. Later in 2007, the company converted into a public limited company. It has various retail stores spread across the country. Senco Gold is entering the lab-grown diamond industry, and the company expects that lab-grown diamonds will contribute 3-4% of its overall business. The company’s headquarters is situated in Kolkata.

6. Goldiam International Limited

Goldiam International Limited company was incorporated in 1986 as an exporter of polished diamonds. The company has done a capex of around 100 million to enhance its lab-grown diamonds. And currently it contributes around 30-40% in companies overall revenue. The company has launched its own lab-grown diamond retail brand named ORIGEM. The head office of the company is situated in Mumbai.

7. Renaissance Global Limited

The company was incorporated in 1989 as Renaissance Jewellery Limited and started as a jewellery exporter and manufacturer. And in 2019, the company changed its name to Renaissance Global Limited. Based on the recent filing by the company, it has reported that 30-35% of the company’s total revenue is from the lab-grown diamonds segment. The company’s headquarters is situated in Mumbai.

8. Mini Diamond Limited

Mini Diamond Limited company was incorporated in 1987 and was focused on importing and exporting diamonds. The company has launched an e-commerce website to sell lab-grown jewellery under the name Namra Jewels. In 2025, the company signed an MOU with Unique Lab Grown to produce lab-grown diamonds to increase its production. The company’s headquarters is situated in Mumbai.

9. Dev Labtech Venture Limited

The company was incorporated in 1993, as was initially named Gandhinagar Plastronics Private Limited. Then, in 2022, it was finally renamed to Dev Labtech Venture Limited. The company is engaged in the manufacturing and marketing of both natural and lab-grown diamonds. It uses microwave plasma chemicals to grow diamonds. The company got itself listed on the BSE SME exchange in March 2023. The company’s headquarters is situated in Gujarat.

Read Also: Best Jewelry Stocks in India

Key Performance Indicators (KPIs)

The key performance indicators of the best Lab-Grown Diamond Stocks to buy in India are as follows:

Company	Debt to Equity	ROE (%)	ROCE (%)	Operating Profit Margin (%)	Net Profit Margin (%)
Titan Company Limited	1.56	28.70	36.96	9.07	5.51
Trent Limited	0.09	28.31	28.09	12.14	8.45
International Gemmological Institute (India) Limited	0	40.20	49.45	56.36	40.57
SKY Gold & Diamonds Limited	0.88	19.39	30.25	6.16	3.73
Senco Gold Limited	0.89	8.33	16	5.74	2.64
Goldiam International Limited	0.01	15.81	22.55	22.13	14.99
Renaissance Global Limited	0.37	5.47	8.71	6.59	3.54
Mini Diamond Limited	0.03	5.47	11.37	1.76	0.84
Dev Labtech Venture Limited	0.02	3.14	4.63	3.75	2.46

(As of March 2025)

Benefits of Investing in Lab-Grown Diamond Stocks

The key benefits of investing in Lab-Grown Diamond Stocks are as follows:

Increasing Demand: Because of the affordable prices of lab-grown diamonds, the demand is increasing across the world, which will benefit the companies engaged in the production of such diamonds.
Government Support: The Indian Government is promoting the lab-grown diamond through various subsidies and other incentive plans, which will directly benefit these companies.
Lower Cost: Lab-grown diamonds can be produced at a very low cost, and because of operational efficiency, they have high operating profit margins.

Factors to Consider Before Investing in Lab-Grown Diamond Stocks

The key factors to consider before investing in Lab-Grown Diamond Stocks are as follows:

Pricing Concern: Due to an increase in manufacturers of lab-grown diamonds and the adoption of new technology, the pricing also varies very rapidly.
Currency Fluctuation: Diamond companies majorly export their products to different countries such as Europe and the US, and a change in currency rate could significantly impact their revenue.
Company’s Financials: Before considering Lab-grown diamond stocks for investment, one should check the company’s financials. Companies with higher profit margins and revenue can be considered as an investment option.

Future of Lab-Grown Diamond Stocks

The future of Lab-grown diamonds is very bright in India, because of various incentive plans by the Government of India to support this industry. As per the reports, India has produced over 3 million lab-grown diamonds in 2023, which accounts for 15% of global output. According to IBEF, this industry is expected to grow at a CAGR of 14%. Hence, one can consider investing in lab-grown diamond stocks.

Conclusion

On a concluding note, the Lab-grown diamond industry is expanding very rapidly, because of government support and a technology-driven industry. The recent rise in demand for Lab-grown diamonds across the world has well-positioned the stocks of these companies. However, there are certain risks involved while investing in the companies engaged in the manufacturing of lab-grown diamonds, such as currency exchange rate, competition, etc. Therefore, it is advisable to consult your investment advisor before making any investment in stocks of Lab-grown diamond companies.

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Frequently Asked Questions (FAQs)

What are lab-grown diamonds?
Lab-grown diamonds are diamonds which are not mined from the earth; instead, they are created in labs under controlled environments using advanced techniques. They look like real diamonds but are comparatively cheaper in price.
Why is the demand for lab-grown diamonds increasing in India?
The demand for lab-grown diamonds is increasing in India because of their affordable price and eco-friendly substitute for real diamonds.
Which Indian companies are engaged in creating lab-grown diamonds in India?
In India, companies like Titan Limited, Senco Gold Limited, SKY Gold & Diamonds Limited, Goldiam International Limited, etc., are engaged in creating lab-grown diamonds.
What are lab-grown diamond stocks?
Lab-grown diamonds are the shares of companies which are engaged in producing diamonds in labs using advanced techniques.
Are lab-grown diamonds cheaper than real diamonds?
Yes, lab-grown diamonds are comparatively 30-70% cheaper than real diamonds.

December 18, 2025

How to Earn ₹1 Lakh Monthly Dividend Income in India

Dividend income has become a popular passive income source in India, and many people wonder if it is really possible to earn ₹1 lakh in dividends every month? This blog will provide a simple and straightforward answer to this question. Here, you’ll learn how much investment is required, which stocks and assets yield stable dividends, which strategies work, and which mistakes to avoid.

What is Dividend Income?

Dividend income is the earnings paid out to shareholders from a company’s profits. When a company generates good profits and maintains strong financial health, it provides dividends to its investors as a guarantee. This is a kind of regular cash reward that you receive simply for holding shares without any additional effort.

What is Dividend Yield?

Dividend yield tells you how much dividend a company is paying you relative to its share price.

Formula: (Annual Dividend ÷ Share Price) × 100

Example: If a stock is worth ₹200 and pays a ₹10 dividend annually, the yield would be 5%.

The more stable the yield, the better but a very high yield can often be a sign of risk.

What is Dividend Payout Ratio?

This ratio tells you how much of its total profits a company is distributing as dividends.

Formula: (Dividend / Net Profit) × 100

Low payout ratio (30–60%) = Company has funds left for growth Dividend is secure
Very high payout ratio = Pressure on the company and risk of future dividend reduction

How Much Investment Is Needed to Earn ₹1 Lakh Per Month from Dividends?

1. Annual Dividend Requirement (Basic Calculation) : The first step is to convert your monthly dividend goal into an annual goal.

Monthly Target: ₹1,00,000
Annual Dividend Requirement: ₹1,00,000 × 12 = ₹12,00,000

This means you need a total dividend of ₹12 lakh per year.

2. How much capital will be invested at different dividend yields?

Dividend yield tells you the percentage dividend you will receive on your investment.

Stabilized companies in India typically offer an annual dividend yield of 3.5%–6%.

Required Capital as per Dividend Yield

Dividend Yield	Annual Dividend Needed	Required Corpus
4%	₹12,00,000	₹3.0 Crore
5%	₹12,00,000	₹2.4 Crore
6% (rare but possible with REITs/PSUs)	₹12,00,000	₹2.0 Crore
7–8% (high yield, higher risk)	₹12,00,000	₹1.5–1.7 Crore

Step-by-Step Strategy to Build a Dividend Portfolio

1. Step 1: Identify Stable Sectors First

Dividend investing always focuses on sectors where earnings remain consistent year after year.

These sectors are generally considered more reliable:

FMCG
Utilities and Power
Energy
Banking & Financial Services
IT

These sectors have routine business practices, so dividends are paid regularly.

2. Step 2: Check the Company’s Dividend History and Financial Health

Before adding a stock to your portfolio, it’s important to check a few basic things:

Has the company been paying dividends for several years?
Is the payout ratio high? (If it’s too high, future payouts may be at risk.)
Are profits and cash flow stable?
Is debt manageable?

These factors indicate whether the company will be able to comfortably pay dividends over a long period of time.

3. Step 3: Adopt a Core + Satellite Portfolio Approach

Balance is crucial in dividend investing. Therefore, dividing your portfolio into two parts is both easier and safer.

Core Portion (70%) : Sectors where both revenue and dividends remain stable.
Satellite Portion (30%) : Sectors with slightly higher yields, such as REITs, InvITs, or certain PSU-oriented sectors.

4. Step 4: Reinvest Dividends and Take the Long-Term View

Dividend investing isn’t a quick way to get rich, it’s a slow, steady, and safe approach.

If you reinvest every dividend you receive, then:

Your yield-on-cost will increase
Portfolio size will grow rapidly
Future dividends will multiply
This strategy is a game-changer for long-term investors.

5. Step 5: Don’t Forget to Review Your Portfolio Once a Year

You don’t need to constantly tinker with your portfolio, but a quick checkup once a year is essential.

Check:

Whether the company’s profits have declined
Whether the payout ratio has increased
Whether the diversification is correct
Whether a better dividend opportunity has emerged elsewhere
This quick review strengthens your portfolio over time.

Case Study: How an Average Investor Can Reach ₹1 Lakh/Month Dividend Target

Step 1: Start small, but invest consistently

Suppose someone starts with a SIP of around ₹20,000 per month. This amount may increase later, but this is enough to get started. The easiest way is to increase the SIP slightly each year as your salary increases.

Step 2: Reinvest dividends instead of spending them

Reinvesting dividends in the first 10–15 years is the biggest game-changer.

This allows the portfolio to grow faster.
Yield-on-cost also gradually increases.
Future dividend income can reach multiple times.

Step 3: Developing long-term discipline is crucial.

A dividend portfolio doesn’t show much difference in 2-3 years, but it starts generating real income after 12-15 years. Regular SIP + occasional lump sum (bonus, increment, refund) Growth is faster.

Common Mistakes People Make While Chasing Dividend Income

Chasing High Dividend Yield : It’s not wise to select stocks based solely on high yields, as these companies often face weak financial conditions. This can lead to dividends that don’t last and even lead to capital loss.
Ignoring Payout Ratio and Profit Stability : If a company’s profits aren’t stable or the payout ratio is too high, the dividend may decline in the future. Therefore, it’s important to understand earnings stability first.
Buying Around the Record Date : Buying shares just before the record date doesn’t offer much benefit, as the share price typically falls by the same amount on the ex-dividend date. Dividend investing is not a short-term strategy.
Ignoring Dividend Tax : Dividends are now taxable according to your income slab, so investors in high tax brackets may see their net income significantly reduced. Be sure to consider the tax implications before withdrawing income.
Taking Excessive Exposure to Risky or Weak Sectors : In some sectors, dividends appear high, but earnings are uncertain. Such sectors can undermine the long-term stability of the portfolio, so always make your selection wisely.

Taxation on Dividend Income

Dividend Taxation: Tax as per Income Slab : In India, starting in 2025, dividends are now taxable in the hands of the investor instead of the company. This means that the entire dividend you receive is added to your total taxable income and taxed according to your income slab. If you fall in a high tax bracket, your effective dividend income may be significantly reduced.
Impact on High-Income Investors : The tax on dividends is quite heavy for high-income investors, as their slab rate can reach 30%. Net income is significantly reduced after surcharges and cess are added, so it is important to include tax from the outset in dividend-based income planning.
The Need for Tax-Efficient Planning : Certain tax-efficient methods can be helpful in better managing dividend income. For example, if a family member is in a lower tax slab, the investment can be made in their name. Similarly, REITs and InvITs offer a portion of the payout in the form of interest and capital return, which creates a slightly different tax structure and can sometimes be beneficial.
SWP and Growth Fund Options : Many investors use growth mutual funds + SWP instead of dividends, as this model only taxes gains, which can be lower depending on indexation or the holding period. This approach may provide some individuals with a more predictable and tax-efficient income than dividends.

Conclusion

Earning income from dividends doesn’t happen suddenly, like magic; it’s a gradual process. When you invest consistently, invest in the right places, and reinvest your dividends instead of spending them thoughtlessly, the results become evident after a few years. This path requires some patience initially, but over time, the portfolio starts working on its own. Investing in the right direction eventually generates a steady income that makes even a dividend of ₹1 lakh per month completely achievable.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
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5	Types of Dividend Policy Explained
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7	What Is Dividend Yield? Definition, Formula, and Investment Insights
8	What Is Dividend Yield?
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10	What is a Dividend? Meaning, Key Dates, and Types Explained
11	50 Passive Income Ideas in India
12	How to invest in dividend stocks in India?
13	What is Dividend ETF?

Frequently Asked Questions (FAQs)

How much money is needed to earn ₹1 lakh dividend per month?
A good, balanced portfolio of approximately ₹2-3 crore is needed.
Is dividend income truly passive?
Yes, most are passive, just need to review it once a year.
Are high dividend yield stocks always safe?
No, sometimes high yield is a sign of a weak business.
Is dividend income taxable in India?
Yes, it is added to your total income and taxed according to the slab.
How long does it take to build a strong dividend portfolio?
It takes approximately 10-20 years of consistent investing.

December 17, 2025

10 Key Factors Affecting the Indian Stock Market Explained

The Indian stock market is a place where different companies raise money and shares are traded by the investors in millions. If you are an investor you must be aware about the constant changes in the share price resulting in a high or a low sometimes. Understanding why these changes happen is the most important step for protecting your money.

This knowledge of the core factors affecting stock market movements is what separates a smart investor from everyone else. For us, the key is understanding the specific factors affecting the stock market in India. Before we dive into the drivers, know that the market has challenges, that we should be aware of like what are the principal weaknesses of the Indian stock market, such as high volatility and the oversized influence of large financial institutions.

Also, many people ask about the Indian stock market depending on which market? The truth is, India is closely linked to the global financial system, so events in the US and Europe play a huge role.

This blog will break down the 10 most powerful reasons about the factors affecting the Indian stock market that shift every single day.

Overview of the 10 Factors that affects the Indian Stock Market

1. Global Economic Conditions

In India big events, like changes in the growth rate (GDP) of major economies such as the US, China, and Europe, strongly affect our stock market. The demand of Indian exports like IT service or medicines rises if the countries we trade with are doing well and buying more, resulting in good profit ratios for the Indian Companies. Also the US Federal Reserve (the US central bank) holds a lot of power. If the US Fed raises its interest rates, foreign investors often feel they can get safer, better returns back home in America and they might take their money out of India and send it there. This withdrawal of foreign capital causes Indian stock prices to fall. When the US Fed hints at cutting rates, the opposite happens, and foreign money flows into India, which helps push our stock market up.

2. Geopolitical Events

Major world events like wars, military standoffs, or big trade fights create a lot of worry in the markets. When things feel risky globally, big investors usually become careful and pull their money out of emerging markets like ours. Also we have witnessed that the Foreign Institutional Investors (FIIs, whom we will discuss later) quickly sell their Indian holdings. This lowers the available money in our market and causes sharp index falls. The sectoral impact is also there as the whole market might drop but some stocks might benefit (like defence companies). Sectors that rely heavily on imports or global trade might face a huge hardship. Conflicts often cause the price of crude oil to jump because of supply fears, which is bad news for Indian markets.

3. Currency Fluctuations (Rupee vs. Dollar)

The value of the Indian Rupee (INR) compared to the US Dollar (USD) plays a huge role. If the Rupee gets weak (meaning, more rupee is required to buy one dollar), this results in making the imports more costlier for the traders. Sectors like oil, electronics, and manufacturing get directly affected as they are mostly dependent on raw material sourced from different countries.

The Rupee weakens when FIIs pull money out of India, to take their money home, they must sell Rupees and buy Dollars. This high requirement of the Dollar makes the rupee go down and even sometimes to record lows. But here is a twist, a weak rupee isn’t always bad – some sectors like IT and Pharma gain, they have the opportunity to get more profits because the money earned is in Dollars and the cost incurred is in Rupees which is weaker giving more profits to these exporters. But if the rupee weakens too fast, FPIs may leave even more due to currency risk.

4. Commodity Prices (Crude Oil & Gold)

Prices of key global raw materials are important as they impact everything we buy and sell. India buys crude oil in huge amounts from other countries. The prices of our transportation, manufacturing, and logistics increases due to the increase in price of crude oil, causing inflation across the board. High oil prices threaten Indian macros three times; they increase inflation, widen the government’s trade deficit, and weaken the Rupee.
People often see Gold as an asset that is safe and investors move their money out of risky shares into gold when stock markets start crashing. So, rising Gold prices can often be a sign that investors are nervous about the stock market.

5. Domestic Economic Indicators

These are the vital signs of India’s economy. They show us if the economy is growing, slowing down, or if prices are too high. The GDP Growth rate shows the increasing income of the nation. Here fast GDP growth usually means companies are earning more profit, which is great for stock prices.
Inflation refers to how quickly prices are rising and the Consumer Price Index (CPI) tracks prices for everyday items. When inflation is high, it hurts consumers and signals that the RBI might raise interest rates, which slows down economic growth.
The Purchasing Managers’ Index (PMI) is a survey that shows wheather manufacturing and services are expanding or shrinking. A good future profits and higher stock prices is projected by a high PMI score i.e businesses are confident, busy, and planning to grow.

6. Monetary Policy and Interest Rates (The RBI’s Role)

The Reserve Bank of India (RBI) is the nation’s central bank and its main job is to manage inflation and how much money is flowing in the market. Here Repo Rate is the most powerful tool of RBI, as it is the rate at which banks borrow money from the RBI. The borrowing gets more costly for commercial banks when RBI increases the Repo rate and this extra cost is passed on to the consumers and to businesses.This forces businesses to slow down expansion, which affects their profits and usually causes stock prices to drop. Cutting the Repo Rate makes loans cheaper for everyone which boosts sectors that rely on loans, like real estate, auto sales, and banking stocks.

7. FII & DII Activity (Foreign vs. Domestic Money)

Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs), are the main drivers of market movement and short-term price swings. They are often called the two wheels that drive the stock market. FIIs are foreign funds looking for quick returns. Big rallies are created when FIIs pour money into our market. But if they suddenly pull out (due to global risk or US rate hikes), they can cause sharp falls and panic in the financial market. DIIs show domestic money, like savings invested through insurance companies and mutual funds, mainly long term investments are done by DIIs. They are important because DII often buys when FIIs are selling, which helps stabilize the market and prevents massive crashes caused only by foreign funds leaving.

8. Corporate Earnings and Performance

Corporate earnings are the actual money a business makes after paying all its expenses. Companies announce these earnings every quarter. The stock price will react based on whether the results beat, match, or miss what the market expected. If much higher earnings than expected are reported by a company, investors get excited, confidence grows and the stock price usually jumps. If a company reports lower profits than expected, the stock price usually sinks as investors lose faith in the company’s future because the traders react so quickly, unexpected results often causing immediate price swings.

9. Government Policies & Union Budget Announcements

A stable government usually means stable markets and a political uncertainty or riots can create panic among investors. The annual Union Budget is the biggest event. The market gets impacted when the government announces its spending and tax plans. Changes to tax policies, like Capital Gains Tax (tax on investment profits), directly affect how profitable the investments are. Policies that boost large-scale infrastructure projects or support specific industries (like manufacturing) act as powerful signals. If the government says it will focus on a sector, capital usually follows, driving up those stock prices. Structural reforms are also expected to strengthen the economy and boost private investment such as those related to the Goods and Services Tax (GST).

10. Investor Sentiment (Fear and Greed)

This factor is about the mood of all investors combined. It is usually the emotion of greed or fear that drives big buying and selling, often beating logic.

Big ups and downs are seen in the short term due to emotional swing. During a rising market scenario investors get highly optimistic and greed kicks in, which can increase the stock prices higher than they should be, creating a risk of a bubble. During a falling market scenario ‘fear’ sets in, leading to a situation of panic selling. Due to this, good stocks become temporarily undervalued because everyone is rushing to exit.

Tools like the Fear and Greed Index track this mood. When the reading shows extreme fear, it might be a sign that the market is close to its lowest point. On the other hand if it shows extreme greed, the signal is to become cautious.

Conclusion

The factors affecting the Indian stock market are a mix of global power shifts, local policy choices, and the emotions of millions of people. By keeping track of these 10 core drivers from understanding the RBI’s repo rate moves to watching FII/DII activity you put yourself in a position to make better choices. The main focus is on the long-term value, staying updated on the major policy shifts, and avoiding short-term fear or greed that push into bad decisions. The growing strength of domestic investors is making India more resilient, but staying informed remains in our best defence.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
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5	What Are The Challenges Traders Face When Trading In The Stock Market?
6	Stock Market vs Real Estate: Which Is Better?
7	5 points to be considered before buying or selling any stocks
8	Top 20 Basic Stock Market Terminology for Beginners
9	Top 10 Sectors in the Indian Stock Market
10	Types of Investment in the Stock Market

Frequently Asked Questions (FAQs)

Does the US Market influence India?
Yes. When the US Federal Reserve hints at raising interest rates and often encourages Foreign Institutional Investors to withdraw their funds from India.
Why is crude oil a critical factor for India?
India buys most of its crude oil from other countries. High oil prices increase domestic inflation, raise manufacturing costs, and weaken the Rupee’s exchange rate.
Difference between FIIs and DIIs?
FIIs are large foreign funds that bring global money and can cause short-term market swings. DIIs (like mutual funds) are local funds that provide stability by buying shares when FIIs are selling, helping to prevent market crashes.
How does the RBI use Repo Rate?
The RBI uses the Repo Rate to control the flow of money and inflation.
What does high investor sentiment (greed) mean?
It signals a lot of confidence, or ‘greed,’ in the market. The market is too happy, which pushes prices above their actual worth. When prices are too high, they are likely to crash soon.

December 17, 2025

ICICI Prudential AMC IPO Allotment Status: Check Latest GMP, Steps to Verify Status

ICICI Prudential Asset Management Company (AMC), one of India’s leading mutual fund houses backed by ICICI Bank and Prudential Plc, is launching an initial public offering (IPO) to raise ₹10,602.65 crore.The issue opens for subscription on December 12, 2025, and will close on December 16, 2025, with a price band fixed at ₹2,061 to ₹2,165 per share.The IPO is a book-built issue and comprises entirely an offer for sale (OFS) of 4.90 crore shares, aggregating to ₹10,602.65 crore, by existing shareholders. There is no fresh issue component in the offer.The shares are proposed to be listed on both the Bombay Stock Exchange (BSE) and the National Stock Exchange of India (NSE), with tentative listing scheduled for December 19, 2025, subject to allotment and regulatory approvals.

ICICI Prudential AMC IPO Day 3 Subscription Status

On Day 3, the ICICI Prudential AMC IPO witnessed strong overall demand, closing with a total subscription of 39.17 times. The issue was led by Qualified Institutional Buyers (QIBs), who subscribed 123.87 times, highlighting solid institutional confidence. The Non-Institutional Investor (NII) segment was subscribed 22.04 times, with bNII (above ₹10 lakh) at 25.42 times and sNII (below ₹10 lakh) at 15.27 times. Retail Individual Investors (RII) showed moderate participation with a 2.53 times subscription. There was no employee reservation in the issue. Overall, the IPO attracted 55,02,359 applications, with a total bid value of ₹2,96,915.86 crore, underscoring significant investor interest driven primarily by institutional participation.

Investor Category	Subscription (x)
Qualified Institutional Buyers (QIB)	123.87
Non-Institutional Investors (NII)	22.04
bNII (above ₹10 lakh)	25.42
sNII (less than ₹10 lakh)	15.27
Retail Individual Investors (RII)	2.53
Employees	–
Total Subscriptions	39.17

Total Applications: 55,02,359

Total Bid Amount (₹ Crores): 2,96,915.86

How to Check ICICI Prudential AMC IPO Allotment Status

ICICI Prudential AMC IPO allotment can be easily checked online in two ways: from the Registrar’s website and from the BSE or NSE website. This IPO will be listed on both the exchanges – BSE and NSE, so the allotment status will be available to all investors on both platforms.

Method 1: Registrar’s website (Kfin Technologies Ltd.)

The most reliable way is to check the allotment from Kfin Technologies Limited’s website.

How to do:

Visit Kfin Technologies Ltd.’s official website
Select “ICICI Prudential AMC” from the IPO list
Enter your details PAN number, Application number, or DP/Client ID
Click on Submit
You will see the allotment status on the screen.

Method 2: Check from BSE or NSE’s website

If there is more traffic on the registrar’s website, allotment status can also be checked from BSE or NSE.

How to do:

Visit BSE or NSE’s official website
Select ‘Equity’ segment
Select “ICICI Prudential AMC” from the IPO list
Enter PAN number and Application number
Click on Search

Objective of the ICICI Prudential AMC IPO

Since the ICICI Prudential AMC IPO is a 100% Offer for Sale (OFS), the company will not receive any proceeds from the issue. The entire IPO proceeds will be received by the selling shareholders, and no funds will be utilized by ICICI Prudential AMC for business expansion, capital expenditure, or other corporate purposes.

ICICI Prudential AMC IPO GMP – Day 3 Update

The grey market premium (GMP) of ICICI Prudential AMC IPO is ₹33 as of 5:00 PM on December 16, 2025. The upper limit of the price band is ₹2165, and based on the current GMP, the estimated listing price is ₹2495, indicating a potential gain of approximately 15.24% per share.

Date	GMP	Est. Listing Price	Gain
16-12-2025 (Day 3)	₹330	₹2495	15.24%

Disclaimer: The above GMP (Grey Market Premium) is just unofficial market information, which is not officially confirmed. These figures are shared for informational purposes only and investment decisions based on these should be based on the investor’s own research and discretion. We do not conduct, recommend or support any kind of transaction in the grey market.

ICICI Prudential AMC IPO – Key Details

Particulars	Details
IPO Opening Date	December 12, 2025
IPO Closing Date	December 16, 2025
Issue Price Band	₹2061 to ₹2165 per share
Total Issue Size	4,89,72,994 shares(aggregating up to ₹10,602.65 Cr)
Listing Platform	BSE, NSE
Registrar	KFin Technologies Ltd.
ICICI Prudential AMC IPO RHP	ICICI Prudential AMC

Important Dates for ICICI Prudential AMC IPO Allotment

Event	Date
Tentative Allotment	December 17, 2025
Refunds Initiation	December 18, 2025
Credit of Shares to Demat	December 18, 2025
Listing Date	December 19, 2025

ICICI Prudential AMC Overview

ICICI Prudential Asset Management Company (AMC) is one of India’s leading and most trusted mutual fund houses, offering a wide range of investment solutions across equity, debt, hybrid, and passive products. Backed by ICICI Bank and Prudential Plc, the company leverages strong brand equity, deep distribution reach, and disciplined investment processes to serve millions of retail and institutional investors.

Operating in a rapidly expanding financial savings market, ICICI Prudential AMC uses data-driven research, technology-enabled platforms, and robust risk management systems to enhance portfolio performance and client experience. With a strong presence across urban and semi-urban regions, the AMC benefits from rising financialization of household savings. As it continues to grow, the company remains focused on long-term wealth creation, operational efficiency, and maintaining leadership in India’s asset management industry.

Frequently Asked Questions(FAQs)

What is the opening and closing date of the ICICI Prudential AMC IPO?
ICICI Prudential AMC IPO is open on December 12, 2025 and will close on December 16, 2025.
What is the price band of the ICICI Prudential AMC IPO?
Its price band is fixed from ₹2061 to ₹2165 per share.
What is the GMP (Grey Market Premium) of the ICICI Prudential AMC IPO today?
The GMP on December 16, 2025 is ₹330, which leads to a possible listing price of ₹2495.
What is the total issue size of the ICICI Prudential AMC IPO?
The total issue size of the ICICI Prudential AMC IPO is ₹10,602.65 crore, structured entirely as an Offer for Sale (OFS) by existing shareholders, with no fresh issue component.
What is the expected listing date of the ICICI Prudential AMC IPO?
This IPO is expected to be listed on BSE and NSE on December 19, 2025.

December 16, 2025

What Is Diversification in Investing?

It’s often seen that new investors put all their money into a single stock or fund. As soon as the market falls, the entire portfolio is devastated, and panic ensues. However, investors who have divided their money across different assets such as equity, debt, or gold experience significantly lower losses and more stable returns. This is diversification. In this article, we’ll explain, in simple terms, what diversification is, why it’s important, and how to properly implement it in your portfolio.

What Is Diversification?

Diversification means dividing your investments into different assets such as equities, debt, gold, real estate, or international markets so that the poor performance of one investment doesn’t impact the entire portfolio. This is a professional risk-management strategy considered essential by financial planners and global investors.

Easy Real-Life Explanation : Just as we don’t rely solely on a single source of income, it’s wise to spread our investments across multiple options. If one part falls, the remaining investments can absorb it. This limits losses and makes returns more stable.

Why Diversification Works: The Logic & Science Behind It

Spreading Risk Across Different Assets:

Diversification works because each asset reacts differently to market events. Equities boost economic growth, while gold provides protection in uncertain environments. Debt instruments add stability. Different behaviors together reduce the overall risk of a portfolio.

Low Correlation Makes a Portfolio Stable:

The core science of diversification is based on “correlation.” If the movements of two assets are not identical (low correlation), then when one asset falls, the other balances the portfolio. This results in significantly lower volatility in a diversified portfolio.

Data-Backed Stability:

Even in recent market periods, multi-asset portfolios have shown more stable returns than single-asset portfolios. During equity declines, gold and high-quality debt limited the downside, significantly reducing the overall portfolio impact.

Types of Diversification

1. Asset Class Diversification

The first and most important way to invest is to divide your money into different assets—such as equity, debt, and gold. Equity provides growth, debt provides some stability, and gold anchors your portfolio during uncertain times. A simple mix of these three makes your returns more stable and prevents major losses during downturns.

2. Sector Diversification

Many people invest their entire investment in a single sector, such as banking or IT. This creates problems when that sector is underperforming for some reason. Therefore, it’s better to spread your money across different sectors such as FMCG, Auto, Pharma, and Financials so that a decline in one sector doesn’t derail the entire portfolio.

3. Market-Cap Diversification

Large-cap companies are more stable, mid-caps have good growth potential, and small-caps can deliver large long-term returns, but they also carry higher risk. A balanced mix of these three provides both strength and growth to a portfolio. Relying on just one category often proves to be wrong.

4. Geographic Diversification

The entire world doesn’t revolve around just one country. If all investments are concentrated in the Indian market, local events will directly impact the portfolio. A little global exposure such as US tech, international index funds provides both new growth themes and currency diversification to the portfolio.

5 Time Diversification (SIP Approach)

Perfectly timing the market is almost impossible. The advantage of SIP is that investments are made at different times and at different prices, which naturally leads to a correct average cost. This keeps long-term investing smooth and disciplined.

Portfolio Diversification: How to Create a Balanced Portfolio?

Identify Risk Profile : First, it’s important to understand how much risk your personality and financial situation allow. If your income is stable and your goals are long-term, you can invest more in equities. However, if you need money quickly, it’s best to have a slightly higher share of safer assets, such as debt and gold. Your risk profile determines your portfolio’s direction.
Determine Core Asset Allocation : A balanced portfolio always relies on three things equity, debt, and gold. Equity increases wealth over the long term, debt reduces volatility, and gold provides support during difficult times. When these three are present in the right proportion, the portfolio is neither too risky nor too vulnerable.
Spread Sector Exposure : When investing in equities, it’s important not to focus solely on a single sector. Some years, banking performs well, others, IT, and sometimes FMCG or healthcare remain stable. If your investments are spread across different sectors, weakness in one sector won’t drag down the entire portfolio. This is true sector diversification.
Avoid Concentration Risk : Many people over-invest in a single stock or theme. The problem arises when that sector declines, impacting the entire portfolio. A better approach is to diversify your funds in smaller amounts so that all the risk isn’t concentrated in one place. This makes your portfolio more stable and reliable.

Sample Balanced Portfolios :

Investor Type	Equity	Debt	Gold	Suitable For
Conservative	20–30%	60–70%	5–10%	Low-risk investors, short-term goals
Moderate	50–60%	30–40%	10%	Medium-risk investors, 5+ years horizon
Aggressive	70–80%	10–20%	5–10%	High-risk investors, long-term growth

Diversification in Mutual Funds

What is Diversification in Mutual Funds?

Diversification in mutual funds means that your money is invested not in a single asset, but across multiple companies, sectors, and sometimes even different asset classes. When you invest in a mutual fund, that fund invests in dozens of stocks or bonds according to its rules. This way, your risk is not limited to a single company or sector.

How does diversification work in mutual funds?

Diversification works well in mutual funds because each scheme’s portfolio is already spread. An equity fund invests in different industries such as banking, IT, pharmaceuticals, auto, and FMCG. Debt funds also select bonds of different quality and maturity. Due to this wide spread, if one sector declines, other sectors balance the portfolio. This makes mutual funds the easiest and most automatic diversification method for beginners.

What to keep in mind when diversifying mutual funds?

Diversification in mutual funds is effective only when schemes are chosen thoughtfully. Buying similar funds repeatedly increases overlap, not diversification. A balanced mix of large-cap, flexi-cap, mid-cap/multi-cap, and an international or gold fund makes a portfolio more robust. A debt or hybrid fund adds some stability. Having too many schemes makes a portfolio bulky and confusing; fewer, but the right schemes prove more effective.

Ideal Mutual Fund Mix

Category	Role	Why it matters
Flexi-cap / Large-cap Fund	Core stability + long-term growth	Gets broad market exposure
Mid-cap or Multi-cap Fund	Growth potential	Boosts returns
International / Global Fund	Geographic diversification	Does not allow the portfolio to depend only on India
Debt / Short-term Fund	Stability + liquidity	Controls volatility
Gold Fund / Gold ETF	Protection	Provides safety in market uncertainty

Myths & Misconceptions About Diversification

Myth 1: More funds mean more diversification

The truth is that many funds invest in similar stocks. This doesn’t spread the portfolio, but rather increases overlap. Diversification always comes from different exposures, not the number of funds.

Myth 2: Diversification reduces returns

Diversification doesn’t reduce returns, but rather helps cushion large drawdowns. Long-term, stable and consistent performance is achieved, which is more sustainable.

Myth 3: Diversification completely eliminates risk

Diversification reduces risk, but doesn’t eliminate it. Market risk always remains. Diversification only protects the portfolio from major shocks.

Myth 4: Diversification is only for large investors

The truth is that even a small investor can get good diversification with a ₹500 SIP. This is why mutual funds are an easy option for beginners.

Common Mistakes in Diversification

Holding Too Many Funds or Stocks : Many people think that the more funds they have, the more diversification they achieve. In reality, this isn’t the case. Having too many schemes increases overlap and fragments the portfolio. A smaller number of well-selected funds is preferable.
Chasing Trending Stocks : The sudden popularity of a theme or stock in the market doesn’t mean the entire portfolio should be focused on it. Taking trending bets without balance significantly increases risk. Make every allocation according to your risk profile.
Ignoring an Emergency Fund : Diversification isn’t limited to equity or mutual funds. Not having an emergency fund can force investors to sell at the wrong time when the market falls. Keeping a small cushion in a liquid or short-term debt fund protects the portfolio.
Avoiding International Exposure as Risky : Global exposure has become essential for a portfolio because not all growth occurs in India. A small international allocation provides currency protection and access to new sectors (such as global tech). Avoiding it completely makes diversification incomplete.
Considering Crypto a Safe Hedge : Treating crypto as a hedge is a big mistake, as its volatility is not like that of gold or debt. Crypto is a speculative asset and should only be a small, controlled part of a portfolio and only if the investor understands its risks.

Conclusion

Diversification acts as a reliable shield for any investor. When money is spread across different assets, sectors, and markets, a portfolio not only remains more stable but also grows better over the long term. The right balance, limited but thoughtfully selected funds, and periodic rebalancing these three things make a portfolio strong. Whether you’re just starting out or already investing, it’s wise to build a well-diversified portfolio rather than chasing returns.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	Types of Demat Accounts in India
2	Features and Benefits of Demat Account
3	Can I Have Multiple Demat Accounts in India?
4	How to Open a Demat Account Online?
5	Small-Cap ETFs to Invest in India
6	Best Sip Apps in India for Investment
7	Mutual Funds vs Direct Investing: Differences, Pros, Cons, and Suitability
8	Features and Benefits of ETF (Exchange Traded Funds)
9	What should you do if your stock portfolio is stuck in losses?
10	Benefits of Investing in Bonds

Frequently Asked Questions (FAQs)

What is diversification?
Diversification means dividing your investments into multiple investments so that if one fund declines, the entire portfolio doesn’t collapse.
How many mutual funds should I hold?
For most people, 4–5 well-chosen funds are sufficient.
Does diversification reduce losses?
Yes, it keeps losses under control because risk isn’t concentrated in one place.
Is diversification useful for beginners?
Yes, it’s the easiest and safest way for beginners.
Can diversification remove all risk?
No, but it significantly reduces risk and makes a portfolio stable.

December 16, 2025

Blog

What is Gold Trading?

What is Gold Trading?

Key Features of Gold Trading

Steps to do Gold Trading

Types of Gold Trading

How to Calculate Profit in Gold Trading

Advantages of Gold Trading

Disadvantages of Gold Trading

Conclusion

Frequently Asked Questions (FAQs)

What is the best method to trade in Gold?

What is the meaning of Gold Trading?

What does margin refer to in Gold Trading?

What are the factors which can affect the price of Gold?

Is it mandatory to have a demat account for trading in Gold?

Top 10 Highest Revenue Companies in India 2025

What is Company Revenue?

Top Indian Companies by Highest Revenue

1. Reliance Industries Ltd

2. Life Insurance Corporation of India (LIC)

3. Indian Oil Corporation Ltd (IOCL)

4. State Bank of India (SBI)

5. Oil & Natural Gas Corporation Ltd (ONGC)

6. Bharat Petroleum Corporation Ltd (BPCL)

7. HDFC Bank Ltd

8. Hindustan Petroleum Corporation Ltd (HPCL)

9. Tata Motors Passenger Vehicles Ltd

10. Larsen & Toubro Ltd (L&T)

Key Performance Indicators (KPIs)

Consider Before Investing in High-Revenue Companies

How to invest in Top Indian Companies by Highest Revenue with Pocketful

Conclusion

Frequently Asked Questions (FAQs)

Which Indian company has the highest revenue?

Is it safe to invest in high-revenue companies?

What should I check before investing?

Do PSU companies rank high in revenue?

Does high revenue mean high profit?

Best Tea and Coffee Stocks in India

Tea and Coffee Market Trends

Best Tea and Coffee Stocks for 2025

1. Tata Consumer Products Ltd. (Tata Consumer)

2. CCL Products (India) Ltd.

3. Vintage Coffee & Beverages Ltd. (VCBL)

4. Tata Coffee Ltd.

5. Bombay Burmah Trading Corporation Ltd. (BBTCL)

6. Goodricke Group Ltd.

7. Jay Shree Tea & Industries Ltd.

8. McLeod Russel India Ltd. (MRIL)

9. Rossell India Ltd.

10. Dhunseri Tea & Industries Ltd. (DTIL)

Key Factors to Consider for Tea and Coffee Stocks

1. Revenue Mix

2. Financial Health and Margin Check

3. Quality of Leadership and Management

4. Valuation Metrics

5. Climate Risk (ESG Focus)

Key Financials of Tea and Coffee Stocks

Risks to Consider

Conclusion

Frequently Asked Questions (FAQs)

What is the main difference between FMCG and Plantation Stocks?

Why is specialty coffee a key trend to watch?

How can climate affect the product yield?

How are margins lowering for bulk tea producers?

Is Tata Coffee still listed on the stock exchange?

Best High EPS Stocks in India

What are High EPS Stocks?

Top High EPS Stocks to Buy in India

Overview of Best High EPS Stocks in India

1. Akzo Nobel India Limited

2. Hindustan Petroleum Corporation Limited

3. National Aluminium Company Limited

7. General Insurance Corporation of India

8. Power Finance Corporation Limited

9. REC Limited

10. NMDC Limited

11. LIC Housing Finance Limited:

Key Performance Indicators (KPIs)