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  • Best Fundamental Analysis App in India 2025

    Best Fundamental Analysis App in India 2025

    The participation of retail investors in the stock market in India is increasing rapidly. Recently, the number of demat accounts has increased from 19.4 crores to 22 crores. In such an environment, easy access to the right data and analysis becomes very important. A reliable fundamental analysis app India helps investors understand the financial metrics and the true picture of the company. 

    In this blog, we will discuss why fundamental analysis apps are important for investors and why Pocketful Mobile App is a great option today.

    Why Investors Need Fundamental Analysis Apps ?

    To take the right decisions in the world of investment, it is not enough to depend only on news or tips. To understand the real picture, it is necessary to do fundamental analysis-that is, an in-depth study of the company’s balance sheet, profit and loss statement and key ratios. It includes indicators like P/E ratio, Return on Equity (ROE), Debt-to-Equity (D/E), etc. These parameters tell how strong the financial position of the company is and how its performance can be in the future.

    But without apps, this process becomes very difficult. Manual calculation is time consuming, collecting data from different websites is troublesome and many times correct and updated information is not available. Due to this, investors often miss good opportunities.

    This is where fundamental analysis apps prove to be helpful. Through these apps:

    • All important ratios are readily available.
    • You can filter companies using stock screener fundamentals India as per your requirement, like “Debt/Equity < 0.5 and ROE > 15%.”
    • Easy to view financial data and peer comparison for the last 5–10 years.
    • Industry benchmarks and sector-wise performance are instantly understood.
    • Portfolio insights and alerts help investors make timely decisions.

    In short, a smart fundamental analysis app India empowers investors to make data-driven, reliable, and quick decisions a must in today’s fast-changing market conditions.

    Top 10 Fundamental Analysis Tools/Apps in India

    App NameKey FeaturesBest ForPricing
    PocketfulPeer comparison, Curated stock news alerts, financial metrics brokerage integrationInvestors of all levels (Beginners to Pro)Free 
    Screener10+ years of financial data, custom queries, screenersInvestors who do in-depth researchFree + Premium
    Tickertape200+ filters, easy interface, sector-wise analysisBeginner and mid-level investorsFree + Premium
    MoneycontrolMarket News, Company Financials, Ratio AnalysisNews-Driven InvestorsFree + Premium
    Investing.comGlobal & Indian Market Data, Charts + FundamentalsThose seeking international comparisonsFree + Premium
    StockEdgeReadymade Screeners, Sector Analysis, Daily UpdatesActive retail investorsFree + Paid
    Trade Brains PortalSEBI-registered research reports, model portfolio, AI screenerInvestors Seeking GuidancePaid Plans
    Research 360Data-based research, quant and fundamental screenersPro investors who do detailed researchFree + Paid
    ET MarketsLive market updates, financial data, news integrationBoth news and data seekersFree + Paid
    MarketsMojoIn-depth analysis, portfolio trackingValue Investors and Long-Term PlannersPaid Plans

    Overview of Fundamental Analysis Apps in India 

    An overview of the fundamental analysis apps in India is given below:

    1. Pocketful

    Pocketful is a modern, all-in-one platform for Indian investors that makes research and portfolio tracking easy. It provides detailed financial metrics, key ratios, shareholding patterns, news on stocks in your portfolio, and customizable watchlists. Additionally, it offers a Margin Trading Facility (MTF) at just 5.99 percent interest, the lowest in India, allowing investors to manage larger portfolios with less capital. Overall, Pocketful is ideal for investors who want insights, updates, and trading support in one platform.

    Key Features

    • Advanced financial metrics and key ratios
    • Shareholding patterns and news updates for portfolio stocks
    • Customizable watchlists
    • MTF facility at 5.99% interest rate

    Pros

    • User-friendly for both beginners and experienced investors
    • Research, news, and trading support in one place
    • Cheapest MTF rates in India

    Cons

    • Pocketful is in its early stages and may expand its offerings over time.

    2. Screener

    If you want to know the real financial condition of companies, then Screener is a reliable tool for you. Here you get more than 10 years of balance sheet, profit-loss and cash flow data in one place. The best part is that you can create filters and queries according to your needs, such as “companies with ROE above 15%” or “companies with low debt/equity.” It proves to be very helpful for those who like to do research.

    Key Features

    • 10+ years of company data
    • Custom screeners and queries
    • Annual reports and conference notes
    • Excel automation and Screener AI in premium

    Pros

    • In-depth data and customization
    • Readymade screens and community support
    • Best for research-focused investors

    Cons

    • New investors may find it a bit complicated
    • Some advanced features are available only in premium

    3. Tickertape

    Tickertape is designed for investors who want to view quick and clean data with an easy-to-use interface. There are over 200 filters that allow you to sort companies by different parameters like PE ratio, ROE, sector or market cap. It also has features like portfolio analysis and market sentiment that help even new investors figure out which stocks might be best for them. The design is clean and attractive, which makes the learning process easier.

    Key Features

    • 200+ filters and ready-made screeners
    • Simple and attractive interface
    • Portfolio analysis and market sentiment
    • Sector-wise and peer comparison

    Pros

    • Simple for beginner investors
    • Extensive filtering options
    • Clear data visuals and dashboards

    Cons

    • Limited in-depth historical data
    • Some features only available in premium

    4. Moneycontrol

    Moneycontrol is one of the most popular apps among Indian investors, especially those who pay attention to news and market updates. It provides real-time stock prices, index movements, commodity, currency and F&O data all in one place. Also, you can track your portfolio and create watchlists. Its news section is constantly updated from CNBC-TV18 and other sources, so investors can always get the latest information. It is ideal for those who like to keep track of every market movement along with investing.

    Key Features

    • Real-time market data and index tracking
    • Portfolio management and watchlists
    • Business and market news updates
    • Commodity and currency segments covered

    Pros

    • News and data on a single platform
    • Portfolio tracking easy
    • Indian market coverage comprehensive

    Cons

    • Interface may seem a bit cluttered for new users
    • Some advanced features are subscription-based

    5. Investing.com

    Investing.com is a global platform but is also very useful for Indian investors. The app offers data not only on stocks but also on indices, currencies, commodities and bonds. For the Indian stock market, real-time prices, charts, financials and fundamental ratios are easily accessible. The interface is simple and allows global investors to track both international and Indian markets in one place. It is especially useful for investors who want to compare Indian companies with global benchmarks.

    Key Features

    • Global and Indian market coverage
    • Real-time data and charting tools
    • Company financials and basic ratios
    • Currency, commodity and bonds data

    Pros

    • Both international and Indian data available
    • Multi-asset coverage (from stocks to currencies)
    • Easy and user-friendly interface

    Cons

    Some advanced charting features in paid version

    Data on Indian stocks not as deep as in local apps

    6. StockEdge

    StockEdge is a popular app among retail investors in India, especially for those who want to keep a close track of daily market movements. It has a number of ready-made screeners, such as companies with high ROE, low debt, or high growth. Apart from this, information like daily updates, sector-wise analysis and FII/DII activity is also available. This app is a good option for those who want to filter companies in a quick and easy way. It also has charting and data visualization, which makes it easier to understand the figures.

    Key Features

    • Readymade and custom stock screeners
    • Daily updates and sector analysis
    • FII/DII activity and market trends
    • Charting and data visualization

    Pros

    • Daily updates and readymade screeners
    • Sector-wise information presented in a clear and transparent manner
    • Useful for both new and active traders

    Cons

    • Limited in-depth financial data
    • Some features are available only in the paid version

    7. Trade Brains Portal

    Trade Brains Portal is designed for investors who prefer guided analysis and research. The platform offers features like SEBI-registered research reports, readymade screeners, and model portfolios. You can filter companies on different financial ratios and growth parameters, making it easier to find the right stocks. Apart from this, AI-based tools are also available, which help in understanding the data in a better way.

    Key Features

    • SEBI-registered research reports
    • Advanced stock screener and model portfolio
    • AI-based analysis tools
    • Easy and clean interface

    Pros

    • Expert guidance and research support
    • Useful for beginners and intermediate investors
    • Both data and research on one platform

    Cons

    • Some features only in paid plans
    • Limited data in free version

    8. Research 360

    Research 360 is an all-in-one research platform launched by Motilal Oswal. This app is especially for investors who like to do data-driven analysis. It has both fundamental and quantitative screeners, through which you can filter companies on parameters like growth, profitability, valuation and debt. Along with this, market research reports, sector insights and peer comparisons are also available in it. This tool is especially useful for investors who want to take long-term investment decisions by doing detailed research.

    Key Features

    • Fundamental and quant screeners
    • Research reports and sector analysis
    • Company-wise detailed data and charts
    • Peer comparison and valuation tools

    Pros

    • Research-based and detailed insights
    • Useful for long-term investors
    • Both financial and quantitative analysis

    Cons

    • Features may seem a bit complex for new investors
    • Some advanced reports available only in premium

    9. ET Markets

    ET Markets is a market-focused app from Economic Times that gives investors real-time updates and research tools all in one place. You can find live information on Sensex, Nifty, stocks, mutual funds and commodities. It also includes a stock screener, financial data, charts and market news. The news section is its biggest feature as it gives investors timely information and expert opinion. It is useful for those who want to keep a quick track of market movements and news along with data.

    Key Features

    • Real-time index and stocks updates
    • Stock screener and financial data
    • Market news and expert opinion
    • Mutual funds and commodity data

    Pros

    • News and data in one place
    • Real-time updates and alerts
    • Good for beginners and news-driven investors

    Cons

    • Interface can sometimes seem cluttered
    • Some features take time to learn

    10. MarketsMojo

    MarketsMojo is tailored for investors who want an actionable investment score and curated stock lists across global markets. Its standout feature is the Mojo Score, a single quantitative rating that simplifies decision-making. Users can screen over 34,000 stocks from 29 countries, access sector-ranked “Mojo Stocks,” and view weekly, monthly, and momentum-based top picks.

    Key Features

    • Proprietary rating summarizing valuation, growth, and quality
    • 34,000+ stocks across 29 countries
    • Sector and peer performance comparisons, return vs. benchmark metrics
    • Historical performance data for each recommendation

    Pros

    • Proprietary Mojo Score distills complex data into one rating
    • Access to a vast universe of global equities
    • Returns vs. benchmark shown for informed decision-making
    • Lists refreshed weekly and monthly for current opportunities

    Cons

    • Full access to Mojo Scores and backtested lists requires a paid plan
    • Proprietary scoring methodology may lack transparency for some users.

    Read Also: Best Apps & Tools for Option Chain Analysis in India

    Key Features of the Best Fundamental Analysis App in India

    • Comprehensive and Reliable Data: The most important strength of any investment app is the availability of accurate and up-to-date information. With 8–10 years of historical balance sheet, profit & loss, and cash flow data, investors can effectively evaluate a company’s growth trajectory and financial stability.
    • Smart Stock Screener : Every investor has his own needs. A good app should have filters that help you quickly decide which company is right for you such as low debt-to-equity, good ROE or consistent profit growth.
    • Simple and clear interface : Data is useful only when it is easy to understand. A good app is one that has a simple and clear interface, so that even new investors can access the necessary information without getting confused.
    • Peer Comparison and Sector Analysis : A company cannot be evaluated in isolation. It is important to compare it with other companies in the same sector. This feature tells investors whether the performance of a company is better than the average or behind.
    • Timely Alerts : The market changes quickly. If a company’s ROE falls or its debt suddenly increases, the app should give an immediate alert. This allows the investor to take action without delay.
    • Direct connection with the broker : The most useful apps are those that are not just limited to analysis, but are directly connected to the brokerage account. This allows you to do research at one place and also take quick investment decisions.

    Read Also: Top 10 AI Tools for Stock Market Analysis

    How to Choose the Right Fundamental Analysis App

    • Simple interface : For beginner investors, the most important thing is that the app has a clean design and the information is presented in a simple way. This allows basic analysis to be done without any confusion.
    • Depth of data : Serious investors prefer apps that have long historical data, balance sheets, cash flows and advanced filtering.
    • Timely information : Some investors need real-time news and market updates. Such tools help them quickly take a look at the latest events and changing statistics.
    • Balanced features : Many users want an app that is neither too complex nor too basic. Features like advanced screeners and alerts along with an easy interface bring balance.
    • Integrated solution : For professional traders, it is better if the app combines both research and trading in one place. This makes it easier to take immediate action after analysis.

    Conclusion

    To take the right decision in the stock market, it is not enough to rely only on speculation or rumors. The real difference comes when you have reliable data and its correct analysis. This is what a good fundamental analysis app India does – it strengthens the investor’s thinking by presenting the data in a simple way. If the research is easy and correct, then every step will be taken with more confidence. That is why choosing the right stock screener fundamentals India is important for every investor in today’s era.

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    Frequently Asked Questions (FAQs)

    1. What is a fundamental analysis app India used for?

      This app helps investors to choose the right stocks by showing the company’s financial data, ratios and balance sheet.

    2. How does a stock screener fundamentals India help investors?

      This allows you to filter companies according to your needs, such as companies that give consistent profits or have low debt.

    3. Are these apps useful for beginners in the stock market?

      Yes, they have an easy interface and basic analysis tools, which even new investors can learn easily.

    4. Do fundamental analysis apps provide real-time data?

      Some apps provide real-time market data, while others update with a slight delay. The availability of live updates often depends on whether you use the free or premium version.

    5. Are fundamental analysis apps free to use?

      Many apps offer free versions with basic features, while advanced tools like screeners, research reports, or in-depth analytics are usually available in premium or paid plans.

  • What are Bond Valuation?

    What are Bond Valuation?

    In the bond market, you must have noticed that the price of some bonds increases over time, while some decrease. Why does this happen? The answer lies in bond valuation i.e. determining the correct price of the bond. When we understand the actual value of a bond, only then we can know whether that bond is expensive or cheap. 

    Bond valuation is not just about applying a formula; it is a crucial process for investors, traders, and financial professionals alike. By understanding bonds and valuation, you can make the right investment decisions and get better returns.

    What is Bond Valuation? 

    Bond valuation is a process in which we determine the correct or real price (Fair Market Price) of a bond. This value is determined by discounting the future interest payments (coupons) and maturity amount of the bond as per today’s date. In simple language, this is a way to understand how much a bond should be worth today. Understanding valuation of bonds is very important for investors because :

    • It shows whether a bond is overvalued or undervalued, i.e. expensive or cheap.
    • Knowing the correct value of a bond makes it easier to take a buy/sell decision.
    • Mutual funds, pension funds, insurance companies and big investors use it for portfolio management.

    If you buy a bond at the wrong price, it will affect both your returns and risk.

    Types of Bonds 

    Each bond is valued differently, such as:

    • Government bonds: Considered safe, but offer low returns.
    • Corporate bonds: High returns, but also high risk.
    • Zero-Coupon bonds: These do not pay interest, but are available at a discount and the entire money is returned on maturity.

    Each type of bond has different risk, returns and pricing methods.

    Bond Valuation Formula Explained

    To find the true value of any bond, we use a special formula called the bond valuation formula. This formula is based on adding all future coupon payments and the face value at maturity, discounted to today’s time.

    Bond Price = ∑ (Coupon Payment / (1 + r)^t ) + (Face Value / (1 + r)^n)

    Where

    • Coupon Payment = Interest received every year
    • r = Rate of return or discount rate (Yield to Maturity)
    • t = Year of payment (from 1 to n)
    • n = Total duration of the bond (years till maturity)
    • Face Value = Principal amount received on maturity

    Example : Suppose there is a bond:

    • Face Value: ₹1,000
    • Coupon Rate: 10% (i.e. ₹100 interest every year)
    • Maturity: 5 years
    • Required Return (r): 8%

    Step 1: Calculate Annual Coupon  = 10% of ₹1000 = ₹100

    Step 2: Calculate Present Value of Coupons

    YearFormulaPV (₹)
    1100 / (1 + 0.08)^1 = 100 / 1.0892.59
    2100 / (1 + 0.08)^2 = 100 / 1.16685.73
    3100 / (1 + 0.08)^3 = 100 / 1.26079.39
    4100 / (1 + 0.08)^4 = 100 / 1.36173.49
    5100 / (1 + 0.08)^5 = 100 / 1.46968.05

    Total PV of Coupons = ₹399.25

    Step 3: Calculate PV of Face Value

    = 1000 / (1 + 0.08)^5

    = 1000 / 1.469 = ₹680.58

    Step 4: Total Bond Price = PV of Coupons + PV of Face Value

    = ₹399.25 + ₹680.58 = ₹1,079.83

    Final Bond Price = ₹1,079.83

    Factors That Impact Bond Price

    The price of a bond does not depend only on its coupon or duration, but many external and internal factors together determine its market value. Let us know the main factors that affect bond valuation:

    • Interest Rate : There is an inverse relationship between interest rate and bond price. When the interest rate in the market increases, the value of existing bonds decreases, because new bonds start giving higher returns.
    • Credit Rating and Risk : A bond with a weak credit rating also has a low value because there is a higher risk of default. For example: AAA rated bonds are considered safer.
    • Duration and Maturity : Bonds with a longer duration are more interest rate sensitive and their price fluctuates more.
    • Inflation : Higher inflation reduces the future coupon value, which reduces the price of the bond.
    • Liquidity : If there are fewer buyers for a bond in the market, its liquidity is low and there is pressure on the price.

    Yield vs. Price – The Inverse Relationship

    Let us understand this with a simple example:

    Bond Price (₹)Coupon (₹)Yield (%)
    ₹950₹10010.5%
    ₹1000₹10010.0%
    ₹1050₹1009.5%

    In the table above, the coupon of the bond is fixed, but the yield changes as its price changes. This is the “inverse dance” of yield and price.

    So when interest rates rise in the market, the prices of older bonds fall so that their yields can adjust according to the new rates. This is called the Yield to Maturity (YTM) effect, which shows the real return of the investment.

    Read Also: Straight Bond: Key Features, Benefits & Risks

    Real-World Application of Bond Valuation 

    Type of InvestorHow They Use Bond Valuation
    Individual InvestorsTo know what is the real value of the bond and whether it is expensive or cheap in the market. This helps in choosing bonds with better returns and less risk.
    Retirement PlannersValuation helps select long-term stable income bonds that are beneficial for retirement.
    Mutual Funds / Insurance CompaniesTo rebalance your portfolio periodically and help with fund allocation.
    Professional TradersWhen the value of the bond is less than the market price, then one looks for an opportunity to earn profit by trading.
    Financial AnalystBy finding out the correct value of bonds we determine how strong the company’s debt instruments are.

    Common Mistakes to Avoid before Investing in Bonds

    • Ignoring interest rate changes : Fluctuations in interest rates in the market directly affect the value of the bond. If you ignore these changes, your valuation may be incorrect.
    • Ignoring a drop in credit rating : If the credit rating of the company issuing the bond decreases, the risk of default increases. This must be included in the valuation.
    • Using the wrong discount rate : Calculating the current value of the bond without choosing the right discount rate can give incorrect results. This can weaken your entire investment strategy.
    • Considering the market price as the value : Many investors think that the price in the market is the real value of the bond. Whereas due to temporary fluctuations in the market, there may be a difference between the price and value.
    • Ignoring liquidity and bond features : Many bonds have extra features like call options, which affect both its return and risk. If these aspects are not understood, the valuation remains incomplete.

    Read Also: What Is a Callable Bond?

    Conclusion

    Bond valuation is not just a mathematical process but the key to investing wisely. Whether you are a retail investor or a professional, correct valuation can help you strike a balance between returns and risk. If you take into account factors like interest rate, time period and risk, your decisions will be more accurate and profitable. Investing requires wisdom, not haste and that is what bond valuation teaches.

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

    1. What is bond valuation?

      Bond valuation is a process by which the correct price of a bond i.e. its current value is determined.

    2. How is bond price calculated?

      The price of a bond is calculated by discounting its future coupon payments and final payment.

    3. Why does bond price fall when interest rates rise?

      Because new bonds start giving higher returns, old bonds become less attractive, so their price falls.

    4. Is bond valuation important for retail investors?

      Yes, it shows whether a bond is overpriced or underpriced, which helps in taking the right investment decision.

    5. What factors affect bond valuation the most?

      Interest rate, bond duration, credit risk and market demand have the most impact.

  • What is Sovereign Gold Bonds? 

    What is Sovereign Gold Bonds? 

    Indians have cherished gold for generations, not only for its use as jewellery but also as an effective means to store wealth. Today’s investors have a better, smarter alternative to the coins and ornaments our grandparents saved: Sovereign Gold Bonds (SGBs).

    SGBs, which are issued by the Reserve Bank of India, backed by the government, allow you to have gold ownership without being concerned about purity, safety, or storage. Additionally, they give you interest as the value of your gold investment steadily increases.

    In this blog, we will explain what SGBs are, how they work, and why they might be a great addition to your investment portfolio.

    Understanding Sovereign Gold Bonds  

    Sovereign Gold Bonds (SGBs) are a convenient way to invest in gold without actually buying or storing the metal. Issued by the Reserve Bank of India (RBI) on behalf of the Government of India, these bonds are among the safest gold investment options available.

    Instead of keeping physical gold at home or in a locker, investors purchase these bonds, which are linked to the prevailing market price of gold. As gold prices rise, the value of your SGB investment rises accordingly.

    What makes SGBs unique is that they not only mirror the price of gold but also pay an assured interest of 2.5% per year, credited semi-annually to your bank account. This additional return is something you won’t get with physical gold or even gold ETFs.

    Read Also: Electoral Bonds Explained: What Are They and Why Did Supreme Court Ban It?

    Key Features of Sovereign Gold Bonds  

    1. Denomination

    You can buy SGBs in amounts of 1 gram of gold or more. It’s great if you want to get some gold without having to buy a lot of it.

    2. Tenure: 8 Years

    You can redeem each bond early, but only on interest payment dates, after the 5th year.

    3. Interest Income

    You get 2.50% interest on your investment annually, which is paid out twice a year. 

    4. Redemption

    When the investment matures or you withdraw early, you get the cash value of gold in the market (no physical delivery).

    5. Tax Benefits

    You have to pay taxes on interest earned.

    • If you hold it until it matures, you won’t have to pay capital gains tax.
    • If you sell SGBs on stock exchanges after holding for more than 12 months, you will pay 12.5% long-term capital gains tax without any indexation benefit.

    6. No worries about Storage & Purity

    There is no risk of theft, impurity, or storage fees because you do not hold real gold.

    7. How it is held

    You can either keep SGBs in Demat form or get a paper certificate. Do what works best for you.

    8. Can be traded

    You can buy or sell them in the secondary market before they mature because they are listed on stock exchanges. However, liquidity may be different.

    9. Collateral for a loan

    Just like real gold, SGBs can be used as collateral for loans.

    Read Also: Straight Bond: Key Features, Benefits & Risks

    Advantages of Investing in Sovereign Gold Bonds 

    1. Generate Additional Income

    SGBs pay 2.5% annual interest, which is credited to your bank account every six months, unlike physical gold or gold ETFs.

    2. No Troubles with Storage

    You don’t have to worry about purity challenges, locker fees, or safekeeping. Without actually holding the gold, you are making an investment in it.

    3. Backed by the Government of India

    SGBs are among the safest gold investment options available because they are issued by the RBI on behalf of the Indian government.

    4. Capital Gains Without Tax

    Any capital gains you make from holding your SGBs until they mature (eight years) are entirely tax-free. Compared to other gold investment options, that is a significant advantage.

    5. Minimal Barrier to Entry

    SGBs are accessible to even small investors because you can begin investing with just one gram of gold.

    6. Capable of Serving as Collateral for Loans

    SGBs can be pledged as security for bank and financial institution loans, just like real gold.

    7. Tradable on Stock Exchanges

    You have to exit before maturity? You can sell your SGBs in the secondary market (on stock exchanges).

    8. Simple and Transparent Investment

    Unlike jewellery or coins, there are no manufacturing fees, waste expenses, or quality concerns.

    9. Options for Digital or Physical Holding

    Depending on what works best for you, you can hold them as paper certificates or in Demat form.

    10. Perfect for Diversifying Your Portfolio

    When there is inflation or economic uncertainty, gold usually performs well. SGBs provide an easy way to increase your portfolio’s exposure to gold.

    Why did Government Stop Issuing New SGBs 

    SGBs were initially seen as an option for attracting investors against “paper gold,” lowering imports, and providing a secure return. 

    However, it became too costly to maintain due to the large government payouts caused by rising gold prices. Even though the RBI backed the bonds, they ultimately caused financial strain and missed targets, which led authorities to stop issuing new ones around the February 2024–FY25 budget.

    The price of gold was about ₹2,400 per gram in 2015, when the scheme started off. As gold prices rose to over ₹8,000 per gram over time, the government was compelled to pay back investors at these exorbitant rates on top of the 2.5% interest that had been promised.

    As of September 2025, gold prices have risen to over ₹10,500 per gram, representing a 4x increase since 2015. This dramatic price appreciation has resulted in substantial returns for SGB investors, with some early series showing returns exceeding 150%. Currently, as of the FY25 budget, no new SGBs are being issued.

    The present investors are not impacted; redemption occurs following the original terms, and interest payments (2.5%) continue until maturity.

    Read Also: What Is a Callable Bond?

    How to buy SGBs in the Secondary Market

    You can buy SGBs in the secondary market by following the steps mentioned below:

    1. Open a Demat Account 
    2. Search for available SGBs. Each bond will have a name, SGBMAY28 (Sovereign Gold Bonds maturing May 2028), etc. 
    3. Check the details like price per gram, maturity date, interest payment dates, etc. 
    4. Place your buy order. 
    5. Earn Interest & hold till maturity. Once matured, RBI will credit the redemption amount, depending on the then gold price, directly to your bank account

    Read Also: What are War Bonds?

    Who Should Invest in Sovereign Gold Bonds  

    1. Long-term Gold Investors

    SGBs are a better option than physical gold if you have already made a long-term investment in gold, say for five to eight years or longer. You receive returns on the price of gold in addition to additional interest income (2.5% annually).

    2. Individuals Who Decide Not to Keep Physical Gold in Storage

    Concerned about locker fees, purity, or safety? SGBs eliminate the hassle of storage, charging, and theft concerns.

    3. Investors who want to save tax

    You pay no capital gains tax if you hold SGBs until maturity, that is, eight years. When compared to selling gold ETFs or jewellery, that is an important win.

    4. Risk-Averse Investors Seeking a Secure Choice

    Since the Government of India is issuing these bonds, there is no credit risk, making them the safest option available.

     5. Investors Seeking Passive Income

    Apart from the gold returns, the 2.5% annual interest that is paid every six months acts as a little bonus.

    6. Individuals Seeking to Expand Their Investment Portfolio

    Including a small amount of gold in your portfolio helps you manage risk, particularly when there is inflation or market volatility. SGBs are an effective and safe method of doing that.

    Read Also: What is Insurance Bond?

    Conclusion 

    Sovereign Gold Bonds combine innovation and tradition to offer investors more than just another gold investment option. Along with the benefits of regular interest income, tax advantages, and no storage hassles, you also get the security and timeless value of gold.

    SGBs provide a more skilled and lucrative option if you intend to hold gold for an extended period of time. They are secure, supported by the government, and made to blend in perfectly with any contemporary investment plan. Therefore, the next time you consider purchasing gold, you might want to switch to digital, with a little gold that works better for you.

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    5Detailed Guide on Bond Investing: Characteristics, Types, and Factors Explained
    6What is Coupon Bond?
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    8What are Bond Yields?
    9Stocks vs Bonds: Difference Between Bonds and Stocks
    10What Are Corporate Bonds?
    11What are Social Bonds?

    Frequently Asked Questions (FAQs)

    1. How long do SGBs last?

      8 years, with the option of quitting after the fifth year.

    2. What kinds of returns are available from SGBs?

      Every six months, you receive 2.5% annual interest in addition to the appreciation of the price of gold.

    3. Are SGBs subject to taxes?

      Interest is taxable, but capital gains are tax-free if held till maturity. If sold on stock exchanges after holding for more than 12 months, a 12.5% long-term capital gains tax applies without indexation benefit.

    4. Is it possible to trade SGBs before they mature?

      Although their liquidity may vary, they are listed on stock exchanges.

    5. Is it still possible to invest in SGBs?

      As of FY25, no new SGBs are being issued; however, you can still buy existing ones on the secondary market.

  • Platinum vs Gold Price: Which is More Expensive and Better Investment?

    Platinum vs Gold Price: Which is More Expensive and Better Investment?

    Gold has always been a symbol of wealth and has been used as an investment option. Every household in India prefers to have gold as jewellery. Platinum, on the other hand, is regarded as a modern status symbol, often associated with luxury and exclusivity. Many assume that platinum is always more expensive than gold because of its rarity. But is that really true? Let’s break it down.

    In this blog, we will dive into the key difference between platinum and gold and will tell you which one is more expensive and why. 

    Is Platinum More Expensive Than Gold?

    While platinum is 30 times rarer than gold and more difficult to mine, it is currently cheaper than gold in global markets. Here’s why:

    • Rarity vs. Demand: Platinum is rarer, but gold enjoys higher demand worldwide, especially in jewellery, investments, and central bank reserves.
    • Industrial Sensitivity: Platinum’s price is heavily linked to industrial demand (especially in automobiles for catalytic converters). If demand falls, prices dip quickly. Gold, however, is considered a “safe-haven asset” — investors flock to it during uncertainty, which keeps its value higher.
    • Market Dynamics: Global gold prices have consistently stayed above platinum in recent years, despite platinum being harder to extract.

    So, while platinum is more exclusive, gold is usually more expensive per gram.

    Difference Between Platinum and Gold

    The key differences between platinum and gold are as follows:

    ParticularPlatinumGold
    AvailabilityPlatinum is rarer than gold, hence, not easily available.The availability of gold is comparatively higher than that of platinum.
    ColourThe colour of platinum is white or silvery.Gold is generally yellow.
    DurabilityPlatinum is more durable than gold and is a very hard metal.Gold is comparatively softer and prone to scratches.
    PriceThe price of platinum is generally cheaper than that of gold.Gold is more expensive than platinum.
    TradabilityLimited investment options, less liquid.Gold can be easily traded among investors.

    Platinum vs Gold: Which is more durable?

    When it comes to durability, platinum clearly outperforms gold. Platinum is denser and stronger, which means it resists scratches and daily wear better than gold. Over time, platinum maintains its shape and quality, while gold, especially in higher purity forms like 24 carat, is softer and more prone to bending, scratching, and losing its finish due to friction. In short, if durability is your priority, platinum jewellery lasts longer and requires less maintenance than gold.

    Should You Invest in Platinum or Gold?

    In India, gold has always been the traditional choice of investment. It is trusted, widely accepted, and offers both liquidity and long-term appreciation in value. Platinum, on the other hand, is less common as an investment but has the potential to deliver higher returns during favorable market conditions.

    Platinum prices tend to be more volatile because they are closely tied to industrial demand, making it more suitable for investors seeking short-term opportunities. Gold is comparatively stable and continues to be the preferred option for those looking for long-term security and steady growth. Ultimately, the choice between platinum and gold depends on your financial goals and risk appetite.

    Eligibility Criteria for Platinum and Gold Loan

    The eligibility criteria for taking platinum and gold loan in India are as follows:

    1. The individual must be 18 years of age.
    2. A fixed income is not mandatory for securing a loan against gold or platinum.
    3. Having a good credit score is not mandatory for taking platinum and gold loans.

    Read Also: List Of Best Jewelry Stocks in India

    Conclusion

    Platinum is one of the rarest and most valuable metals in the world, known for its durability and density. However, despite its exclusivity, gold continues to hold stronger demand globally and is generally more expensive. Gold is widely accepted, easily available, and deeply rooted in tradition, while platinum stands out for its strength, rarity, and modern appeal. Both metals can serve as investment options, but the right choice depends on your goals and risk appetite. It is always advisable to consult a financial advisor before making an investment in gold or platinum.

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    Frequently Asked Questions (FAQs)

    1. Is platinum more expensive than gold?

      No. Although platinum is rarer, gold is generally more expensive because of higher global demand.

    2. Which is more durable, gold or platinum?

      Platinum is more durable than gold because of its density and scratch-resistant nature.

    3. Can I take a loan against platinum?

      Yes, there are various NBFCs and financial institutions that provide loans against platinum.

    4. Why is gold more valuable than platinum despite being less rare?

      Because gold has higher investment demand, cultural value, and acts as a safe-haven asset.

    5. Is platinum also measured in karats?

      No, unlike gold, platinum is not measured in karats; it is expressed as a percentage. For example, a 950 Plat is considered that the platinum is 95% pure platinum.

  • What is Dividend Policy?

    What is Dividend Policy?

    The main goal of investing in stocks is to earn a return, which investors can receive either through capital appreciation or dividends. For companies, this raises an important question: how much profit should be paid out as dividends, and how much should be retained to fund future growth?

    In this blog, we will give you a detailed overview of dividend policies along with their types and factors affecting them.

    What is a Dividend?

    A dividend is a financial reward received by the shareholders of the company. It is distributed out of the company’s profit. The decision to pay the dividend is made by the company’s board of directors. Dividends are declared per share; thus, an investor’s total dividend equals the per-share dividend multiplied by the number of shares they own.

    Meaning of Dividend Policy

    Dividend policy is a strategy or policy used by the company to distribute its profit to its shareholders in the form of dividends. The profits earned by the company are generally shared either in cash or in the form of stocks. The decision to distribute the dividend made by the company is very crucial as it has to maintain the balance between the amount to be distributed among shareholders and the amount to retain in business for further expansion.

    Example 

    Let’s understand the dividend policy of a company through an example. A company named ABC Limited earns a profit of INR 10,00,000 in a financial year, and the total number of outstanding shares is 1,00,000. And the board of directors has decided in a meeting that they want to distribute at least 30% of the total profit in the form of dividends to their shareholders. Which means the amount of profit which will be distributed as a form of dividend will be 30% of 10,00,000, which comes around 3,00,000. Now, the dividend payout according to the company policy is INR 3 per share.

    And the remaining profit amount of 7,00,000, which was not distributed as a dividend, will be used by the company in their further expansion plans.

    Read Also: What Is Dividend Yield? Definition, Formula, and Investment Insights

    Types of Dividend Policy

    The types of dividend policies used by companies are as follows:

    1. Fixed Dividend Policy

    Under this method, the company pays a fixed amount of dividend to their shareholders every year, irrespective of the profit. Which means if the company’s earnings are reduced in any year, it will still give a fixed amount of dividend. On the other hand, if the company’s profit is increased in a year, it still declares the same amount of dividend and its dividend will not increase. Generally, companies aim to maintain a fixed dividend, but extreme profit losses may lead to reductions.

    2. Constant Dividend

    In this, a fixed percentage of the company’s profit is declared as a dividend. In the constant dividend policy, the dividend will be increased with the increase in the profit of the company. Suppose the company decides that it will distribute 10% of its earnings as dividends, then the dividend earned by the investor depends on the earnings of the company.

    3. Residual Dividend

    Residual dividends depend on the company’s capital budgeting requirements, meaning dividends are paid from leftover profits after financing profitable investment opportunities.

    4. Zero Dividend

    Under a zero dividend policy, the company reinvests the entire amount of profit in the business, with an objective to fulfil its growth plans and expansion initiatives.

    Factors Affecting Dividend Policy

    The key factors that affect the dividend policy are as follows:

    1. Profitability: The company’s profit is the key factor on which the company declares its dividend. The higher the profit the higher the dividend.
    2. Earning Stability: Companies with a stable earnings track record tend to follow a stable dividend policy compared to companies with irregular earnings. 
    3. Debt Level: The companies with a higher debt level tend to declare low dividends, as a major portion of their earnings is utilised towards debt repayment.
    4. Future Plan: If the company is primarily focusing on its expansion and growth, then it might use a larger portion of its profit towards funding plans instead of distributing it as a dividend.
    5. Industry: There are various industries which are capital-intensive; they generally do not declare dividends. However, certain companies in sectors like FMCG, OMCs regularly declare dividends.
    6. Holding Pattern: The Company’s shareholding pattern is also another key factor in determining the dividend. If the promoters’ stakes are high, they generally depend on dividends as an income source.

    Importance of Dividend Policy

    The importance of dividend policy is as follows:

    1. Reputation: Companies which regularly declare dividends are considered trustworthy among investors and are preferred by investors who seek regular income.
    2. Financial Strength: Companies which have strong profitability and cash flow generally declare dividends, hence increasing investors’ confidence.
    3. Attracts Investors: Conservative and retirement investors tend to prefer dividend-oriented companies instead of growth-oriented companies, as they look for regular dividends.
    4. Capital Structure: The dividend policy of the company impacts the capital structure decisions. A higher proportion of profits declared as dividends may require the company to raise debt to fund upcoming projects. 
    5. Expectation of Shareholders: The Dividend policy of a company helps an investor in deciding whether to hold or invest in a particular share or not.

    Read Also: Top 10 Highest Dividend Paying Penny Stocks in India

    Conclusion

    On a concluding note, the dividend policy of a company plays a vital role in managing the company’s financial, capital structure, and its commitment towards its shareholders. Balancing dividend payouts with funds retained for future growth is like walking a tightrope. If a company declares a significant portion of its earnings as dividends, then it might lose future growth opportunities. However, it is advisable to consult your investment advisor before investing.

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    Frequently Asked Questions (FAQs)

    1. What is a dividend policy?

      A dividend policy of a company refers to the strategy of deciding the amount to be declared as a dividend out of profit.

    2. Can a company change its dividend policy anytime?

      Yes, a company’s board of directors has the authority to change the policy related to dividend declaration at any point in time.

    3. How are dividends taxed in India?

      In India, dividends declared by the companies are taxed as per the applicable income tax slab rate of the investors.

    4. Is it mandatory for all companies to declare a dividend?

      No, it is not mandatory for the companies to declare a dividend; they can declare it based on the profit earned by them in a financial year.

    5. What is the interim dividend?

      When a company declares a dividend in the middle of a year, it is known as an interim dividend.

  • Best Algo Trading Platform in India 2025

    Best Algo Trading Platform in India 2025

    Algo trading platforms in India are becoming increasingly popular as they allow investors to automate strategies and execute orders within seconds. SEBI has recently clarified the rules and approval process for retail algorithmic trading, which has further improved transparency in the market. At the same time, brokers such as Pocketful are offering free trading APIs, making algorithmic trading more accessible and affordable for retail traders. 

    The key question now is which platform among the available algo trading platforms in India will be right for you. This is what we will explore in detail in this article.

    What is Algo Trading & Why It Matters?

    Algo trading (Algorithmic Trading) is a technique in which computer programs automatically execute orders in shares, futures or options based on the set rules. These rules can be price, time, volume or any technical indicator. For example, if the RSI of NIFTY goes below 30 and the volume increases, then your system will automatically place a buy order, without manually entering the order.

    Why is this important?

    • Speed ​​and Accuracy : Manual trading requires identifying whether the trading conditions are satisfied and then taking decisions, whereas in algo trading, rules are verified and orders are executed within milliseconds.
    • Emotion-free trading : Unlike human traders who may be influenced by greed or fear, algorithmic trading works strictly on predefined rules and strategies.
    • Backtesting facility : You can test the strategy on historical data before trading with real capital.
    • Efficiency : It becomes easy to run multiple strategies on multiple assets at the same time.

    Rise of Algo Trading in India

    • Cheap and Accessible: Earlier, algorithmic trading was mostly limited to large institutions and hedge funds because of the high infrastructure costs. Today, however, the landscape has changed. Brokers like Pocketful are offering retail investors access to the same level of institutional-grade trading infrastructure through free trading APIs. This has dramatically reduced the entry barriers, making algo trading more affordable and accessible for individual traders.
    • SEBI Regulation 2025: SEBI requires that any algorithm offered by brokers to their clients must be registered with the exchange and assigned a unique strategy ID. Brokers are responsible for ensuring that these strategies undergo pre-trade risk checks before going live. For retail investors, when they develop their own trading strategies and deploy them through a broker’s API, registration is generally not mandatory as long as the algos are used only in personal or immediate family accounts. However, if the trading activity crosses the specified orders per second threshold, then registration with the exchange becomes compulsory. This ensures that broker-distributed algos are always regulated, while self-developed strategies have flexibility for small-scale use, with stronger oversight applied to high-speed or large-volume activity.
    • Fintech Growth: Alongside broker APIs, the rise of fintech has contributed to the popularity of algo trading. No-code platforms and plug-and-play solutions have made it possible even for traders without programming knowledge to automate their strategies. This democratization of access means that retail investors can now backtest, deploy, and manage strategies with minimal technical barriers.

    10 Best Algo Trading Platform in India

    App NameKey Features 
    PocketfulBest option if you are looking for a broker & an algo platform. Here you can do algo trading using Pocketful’s free trading APIs, and even get development support to build your own strategies.
    TradetronCloud-based platform with both no-code and code-based strategy builder, supports backtesting and marketplace deployment.
    QuantiplyFocused on algo strategy execution and broker API integration; offers multi-broker connectivity and automation support.
    QuantManDrag-and-drop strategy builder with backtesting tools and access to historical F&O data for easy algo setup.
    AlgoMojoEnd-to-end automation platform with Amibroker, MT4, and TradingView integration; multi-broker API connectivity.
    RobomaticCloud-based algo execution with predefined strategies and built-in risk management features.
    Robo TraderAI-assisted algo tool offering prebuilt trading models and an auto-execution engine.
    AlgoBullsMarketplace-style platform with AI-driven strategies, live deployment, and a beginner-friendly interface.
    uTrade AlgosNo-code environment offering backtesting, multi-asset support, and institutional-grade infrastructure.
    AlgoTestFree backtesting and paper trading tool with an easy strategy simulator and simplified user interface.

    Read Also: Best Trading Apps in India

    Overview of Top 10 Algo Trading Apps in India 

    An overview of the top 10 Algo Trading blogs in India is given below:

    1. Pocketful

    Pocketful is not just a broker, but a complete algo trading ecosystem that helps retail traders in developing their own strategies. Using Pocketful’s free trading APIs, traders can easily create, test, and deploy their strategies. Pocketful also offers Alpha AI, our very own MCP, which can be used to develop strategies as well as place orders because it has access to all the Pocketful APIs. The biggest advantage is flexibility because whether you are a no-code user or an advanced coder, Pocketful allows you to execute strategies seamlessly.

    Key Features

    • Free Trading APIs
    • Fast execution with low latency API
    • Full flexibility to build and deploy your own strategies
    • Alpha AI allows strategy development and order placement through full access to Pocketful APIs

    Pros

    • Free API access with zero AMC.
    • Alpha AI enables seamless strategy creation, testing, and live order placement
    • Low-latency execution suitable for high-frequency traders.
    • Compliant with SEBI rules, ensuring safety and transparency.
    • Provides development support for traders with no coding knowledge to advanced users

    2. TradeTron

    TradeTron is considered to be India’s most popular no-code algo trading platform today. It is completely cloud-based, where you can create your trading strategies, test them and deploy them in the live market even without coding knowledge.

    Key Features

    • Cloud-based platform, no installation required.
    • Facility to create strategies both through drag-and-drop and coding methods.
    • Choice or choose from pre-built strategies from the strategy marketplace.
    • Multiple instruments to trade with such as equities, options, and futures.
    • Real-time monitoring and advanced risk management tools.

    Pros

    • Easy no-code interface, perfect for beginners.
    • Marketplace and large community support.
    • Real-time analysis and flexible deployment.
    • Fully SEBI-compliant and legal.
    • Complex options strategies (e.g. Straddle, Iron Fly) easily designed.

    3. Quantiply

    Quantiply is a smart algo trading platform known for fast and automated trading, especially in Nifty and Bank Nifty. The team has previously worked on exchange-grade systems, so performance and reliability are both strong.

    Key Features

    • Low-latency system, so orders are executed instantly.
    • Strategy templates that can be changed even during trading.
    • Support for multi-leg strategies (stop-loss, target, re-entry etc.).
    • Easy to track P&L and MTM with real-time monitoring.
    • Strong security setup and TLS-based connections.

    Pros

    • Execution is fast and stable.
    • Capable of handling multi-leg strategies.
    • Multi-broker support available.
    • Strategy status and P&L are easily tracked.
    • Helpful documentation and tutorials.

    4. QuantMan

    QuantMan is an easy and user-friendly algo trading platform designed with retail traders in mind. Here, without learning coding, you can create a strategy with drag-and-drop tools, backtest it and then deploy it in the market.

    Key Features

    • Simple strategy builder, no coding required.
    • Backtesting facility with historical data.
    • Easy to create option strategies like straddle and strangle.
    • Support for multi-leg and multi-instrument strategies.
    • Real-time monitoring and P&L tracking.

    Pros

    • Friendly and easy interface for beginners.
    • Helpful in learning tutorials and sample strategies.
    • Flexibility of options strategies and multi-leg setups.
    • Strong backtesting system.
    • Smooth and quick live deployment.

    5. AlgoMojo

    AlgoMojo is an execution platform that auto-executes your trading signals directly in the broker account. This is especially handy for traders who work with tools like TradingView or Amibroker.

    Key Features

    • No-code setup, easy integration.
    • TradingView, Amibroker, MT4/MT5, Excel support.
    • Multi-leg strategies and order management.
    • Auto roll-over and stop-loss features.
    • Detailed reports and monitoring.

    Pros

    • Simple and user-friendly for beginners.
    • Connectivity to multiple tools.
    • Smart options like auto square-off and rollover.
    • Clear logs and reporting.
    • API is available free with a broker account.

    6 . Robomatic

    Robomatic is a cloud-based platform where you can create a strategy, backtest it and then run it in the live market. Analysis becomes easy by connecting to TradingView charts. The Marketplace also offers ready-made strategies and tutorials, making it easy for beginners to get started

    Key Features

    • Quick backtesting and live deploy
    • TradingView integration
    • Ready-made strategies and tutorials
    • Equity, F&O, Currency, MCX support

    Pros

    • Backtesting fast and reliable
    • Easy learning for beginners
    • Multi-exchange support

    7. Robo Trader

    Robo Trader is a platform where you can easily convert your trading strategy into an automated bot. It is also beginner-friendly as it does not require much coding knowledge. A copy-trading feature is also available so that you can directly follow the trades of an expert.

    Key Features

    • Facility to create and deploy custom bots
    • TradingView, Amibroker, MT4/MT5 integration
    • Copy-trading bridge support
    • Both cloud and local setup options
    • Backtesting and paper-trading available

    Pros

    • Easy and user-friendly setup for beginners
    • Opportunity to learn and replicate from copy-trading
    • Easy testing before backtesting and paper-trading

    8. AlgoBulls

    AlgoBulls is a platform where you can create your own trading strategies and run them in the live market without learning any coding. It also offers pre-built strategies that you can use straight away. It is easy for beginners as backtesting and tutorials are provided along with it.

    Key Features

    • Quick backtesting and live deploy
    • No-code strategy builder
    • Ready-made strategies and tutorials
    • Equity, F&O and commodities support

    Pros

    • Simple and friendly for beginners
    • Pre-built strategies can be used immediately
    • Multi-asset support available

    9 .  uTrade Algos

    uTrade Algos is a no-code platform where you can easily create your trading strategies and run them directly in the market. It also comes with pre-built strategies, backtesting and multi-asset support make it even more useful. It is a flexible option for both beginners and pro traders.

    Key Features

    • No-code strategy builder
    • Backtesting and live deployment
    • Multi-asset and multi-broker support
    • Clean and easy-to-use dashboard

    Pros

    • Simple and intuitive for beginners
    • Ready-made strategies available
    • Institutional-grade infrastructure

    10. AlgoTest

    AlgoTest is a platform made especially for options traders. Here you can create your own strategies without any coding knowledge, backtest them and then run them in paper trading or live markets. Its interface is simple and is considered very friendly for beginners.

    Key Features

    • No-code strategy builder
    • Free backtesting and paper trading
    • Options strategies (straddle, strangle etc.) support
    • Real-time charts and simulator

    Pros

    • Easy and user-friendly for beginners
    • Free backtesting and paper trading options
    • Easy to design options strategies

    Read Also: Best Online Commodity Trading Platforms in India

    Key Factors to Evaluate an Algo Trading Platform

    Some of the key factors to evaluate an algo trading platform are given below:

    • Execution Speed ​​& Latency : The success of algo trading depends largely on execution speed. If the system is slow by even a few milliseconds, the price may slip and the effect of the strategy may weaken. Therefore, it is important to choose a platform that provides fast and reliable execution.
    • API Availability & Language Support : Every trader has different coding comfort. Some are comfortable with Python, some with C++ or Java. That is why a good platform is considered to be one that supports multiple programming languages ​​and real-time connectivity (REST, WebSocket etc.).
    • Backtesting & Paper Trading : Taking any strategy live directly is a risky step. First, it should be backtested on historical data and then run in paper trading. This will give you an idea of ​​how the strategy will perform in the real market.
    • Integration Options : Different traders have different needs. Some want to work with Excel or Amibroker, while others need TradingView integration. A flexible platform is one that can easily connect to these tools.
    • Regulation and Safety : Algo trading is safe only if it is compliant with SEBI regulations. This is important not just for you but for the entire system. Always ensure that your chosen platform is transparent and compliant.
    • Pricing and Charges : Every trader has a different budget. Some need less money to start with, while some advanced traders are willing to pay more for extra features. Choose the right balance for you wisely.
    • Community and Support : It is normal to have questions while learning algo trading. If the platform has an active community and responsive support, your learning curve will be much easier.

    Risks & Challenges of Algo Trading

    Despite its advantages, algo trading comes with certain risks and practical challenges as mentioned below in detail, including regulatory requirements, market anomalies, and technical issues.

    • New SEBI rules : In 2025, SEBI has made it clear that every algo strategy will have to get approval from the exchange and a unique ID. The advantage of this is that now transparency in the market has increased and the possibility of misuse has reduced.
    • Fear of Flash Crash : Sometimes the market suddenly falls or rises rapidly, which is called a “flash crash”. At such times, the algo can execute orders without thinking, which can lead to heavy losses.
    • Problem of Over-optimization : Many times the trader fits the strategy so much on historical data that it looks good only on old charts. But when implemented in the real market, the results are not as expected.
    • Latency and Hidden Costs : There is a difference of milliseconds in algo trading. Even a little latency or slippage can cause losses. Apart from this, brokerage, taxes and other charges are sometimes not visible in backtesting, but affect real trading.
    • Technical Issues and Security : Since everything runs on technology, problems like server down, software bugs or cyber attack can also occur. In such a situation, your trading may stop suddenly or wrong orders may be placed.

    Read Also: Lowest MTF Interest Rate Brokers in India | Top 10 MTF Trading Apps

    Conclusion

    Today, Algo trading has brought a good opportunity for every kind of trader. The only difference is that some people like simple, ready-made tools while others prefer to do coding according to their own needs. The real thing is that it is important to test the strategy thoroughly first and keep the risk under control. By choosing the right platform and having some patience, you too can benefit from this technology.

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    Frequently Asked Questions (FAQs)

    1. Which is the best algo trading platform in India for beginners?

      No-code platforms are good for beginner traders, where strategies can be easily created and tested.

    2. Is algo trading legal in India?

      Yes, SEBI has allowed algo trading, but strategies have to be run only from approved broker APIs.

    3. Can algo trading guarantee profit?

      No, profit is not guaranteed. The right strategy and risk control are important.

    4. What are the main risks in algo trading?

      The major risks are system errors, market volatility and over-optimization.

    5. How can I use Pocketful API for algo trading?

      Open a free account on Pocketful, get the API key and connect to any algo platform to run the strategy.

  • What is Indemnity Bond?

    What is Indemnity Bond?

    What if you have misplaced your original share certificates and requested the company to issue a duplicate one? The company will ask you for a bond to protect itself from potential financial losses arising from the misuse of the original share certificate, should it resurface later. This protective document is known as an “Indemnity Bond”.

    In today’s blog post, we will provide you with a detailed overview of what an indemnity bond is, its key features and importance, and the differences between an affidavit and an indemnity bond.

    Meaning of Indemnity Bond

    An indemnity bond is a legal contract in which one party agrees to bear the financial loss or liability incurred by another party. This bond can be considered as a risk-transfer mechanism which ensures that any loss will be paid by the other party. The indemnity bond clearly states the risks and liabilities.

    This bond generally includes details such as names of parties involved in the transaction, nature of indemnity, amount of liabilities, and the conditions under which the bond became applicable, and this indemnity bond needs to be properly stamped and can be used in civil and government processes. 

    Features of Indemnity Bond

    The key features of an indemnity bond are as follows:

    1. Contract: An indemnity bond is a legal written contract which indicates the terms and conditions of the indemnity.
    2. Protect Losses: The primary objective of an indemnity bond is to protect the individual against any financial losses or legal liabilities.
    3. Period: The indemnity contract defines the liability period during which it is enforceable.
    4. Signature: The indemnity bond or contract needs to be signed by the parties involved in it.
    5. Executed: The indemnity contract must be executed on non-judicial stamp paper.
    6. Notarise: Sometimes, as per the local regulations, it is required to get it notarised.

    Read Also: Straight Bond: Key Features, Benefits & Risks

    Importance of using an Indemnity Bond

    There are various important uses of an indemnity bond. A few of the important ones are as follows:

    1. Legal Assurance: An indemnity bond provides legal protection in case of any financial loss due to any specific event. 
    2. Risk Reduction: An Indemnity bond helps transfer the risk of loss from one party to another in the event of unforeseen circumstances.
    3. Customisation: The terms of the indemnity bond can be customised based on the specific needs of both parties.
    4. Enforceable: When the bond is executed on stamp paper and is notarised, then it becomes legally enforceable in court on grounds of breach of contract.

    Calculation of Stamp Duty on Indemnity Bond

    Calculation of stamp duty on an indemnity bond is governed by the Indian Stamp Act, 1899, along with state-specific stamp laws. The amount of duty varies from one state to another. The step-by-step process of how the stamp duty is calculated is mentioned below:

    1. The first step is to identify the value of the indemnity bond. The amount generally includes the maximum liability or coverage which an indemnifier agrees to cover.
    2. Then you need to refer to the stamp duty rate based on your state. These rates are generally fixed or sometimes depend on the value of the bond.
    3. After the calculation of stamp duty, you are required to purchase the non-judicial stamp paper of appropriate value.

    Read Also: What is Government Bond

    Difference between Affidavit and Indemnity Bond

    There are significant differences between an affidavit and an indemnity bond; a few of these differences are mentioned below:

    ParticularAffidavitIndemnity Bond
    MeaningIt is a written document of facts voluntarily taken as sworn and is notarised. It is a legal contract in which one party agrees to compensate the other party for the loss.
    ObjectiveThe objective of an affidavit is to declare facts truthfully.An indemnity bond is used to protect against financial or legal liabilities.
    TypeIt is declaratory.It is contractual.
    LiabilitiesIt does not involve any direct liabilities.It carries liabilities by the indemnifier.
    NotarizationNotarization of the affidavit is required.It is advisable to get an indemnity bond notarised, but it is not always mandatory.
    UsageIt is generally used for lost certificates, changes in name, address proofs, and other types of declarations etc.An indemnity bond includes the refund claims, transfer of shares, property matters, etc.

    Read Also: What is Insurance Bond?

    Types of Indemnity Bond

    The various types of indemnity bond include:

    1. Indemnity bond for property

    In this, the indemnity bond is used when there is a transfer of property ownership when original documents are missing. In such cases, municipal authorities or registrars may require an indemnity bond.

    2. Indemnity bond for banks

    The indemnity bond is also required when the fixed deposit receipts or account instruments are lost. By giving this bond, the bank will not be held liable for the loss of the instrument if it is misused. 

    3. Loss of Share Certificates

    When the share certificates are lost or misplaced, the investor must submit an indemnity bond to the company in order to obtain a duplicate share certificate.

    4. Loan Repayment

    There might be certain cases in which the loan provider asks for the indemnity bond. This generally occurs when a guarantor is unavailable or when required documents are missing. 

    Read Also: What are Social Bonds?

    Conclusion

    On a concluding note, an indemnity bond is a vital legal instrument that safeguards individuals and companies against potential financial or legal liabilities. Various types of indemnity bonds are available to suit different needs, and executing one requires payment of the applicable stamp duty. It is always advisable to consult a qualified legal advisor before entering into any indemnity bond.

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    Frequently Asked Questions (FAQs)

    1. Can an indemnity bond be legally enforceable?

      Yes, an indemnity bond can be legally enforceable in a court. It must be executed with proper stamp duty; while notarization adds evidentiary value, it is not mandatory for enforceability.

    2. Which party prepares the indemnity bond?

      The indemnifier prepares the indemnity bond.

    3. What is an indemnity bond?

      An indemnity bond is a legally enforceable contract in which one of the parties agrees to compensate the other for any potential loss or legal liability.

    4. When an indemnity bond is required?

      An indemnity bond is required in different situations, like loss of shares, transfer of property or assets, etc.

    5. What is the difference between an affidavit and an indemnity bond?

      An indemnity bond is a promise to compensate for the losses or damages, whereas an affidavit is a sworn statement of some facts. 

  • What is Non Convertible Debentures?

    What is Non Convertible Debentures?

    In times of market uncertainty, everyone is looking for stable investment options with fixed returns. Among all the other fixed return options, Non-Convertible Debentures (NCDs) stand out as a popular choice, often offering higher returns than traditional bank fixed deposits.

    In this blog, we provide a detailed overview of non-convertible debentures, including their types, features, and factors to consider before investing in them.

    What are Non-Convertible Debentures?

    A Non-convertible Debenture (NCD) is a financial instrument which is generally used by companies to raise capital for the long term. Non-convertible debentures cannot be converted into equity shares of the issuing companies. They offer a fixed interest rate or coupon along with the principal on the maturity date. They offer slightly higher returns than any other bank fixed deposit. As non-convertible debentures are not converted into equity, they remain a pure debt instrument throughout the investment period.

    Features of Non-Convertible Debentures

    The key features of non-convertible debentures are as follows:

    1. Fixed Returns: The returns offered by the non-convertible debentures are fixed and are paid by the issuer at a predefined fixed interval.
    2. Rating: The non-convertible debentures are rated by credit rating agencies such as CRISIL, ICRA, or CARE.
    3. Liquidity: The issuing companies offer liquidity to their investors by making them list on the stock exchange.
    4. Taxability: Interest received by an investor on the NCDs is taxable based on their income tax slab.
    5. Duration: There are various tenures available for an investor to choose from the given options.

    Read Also: Non-Convertible Debenture (NCD) vs Fixed Deposit (FD)

    Types of Non-Convertible Debentures

    The several types of non-convertible debentures are as follows:

    1. Secured

    The secured NCDs are backed by a specific asset of the issuing company. Therefore, in case of default, the investor can claim the assigned asset and recover their amount.

    2. Unsecured

    The non-convertible debentures are not secured by any asset; hence, in case of default, the investors are required to wait until the assets of the company are sold so that their liabilities can be met.

    3. Listed

    When an issuing company lists the debentures on the stock exchange to provide liquidity to its investors.

    4. Unlisted

    Unlisted NCDs are those which are not listed in the secondary market. Hence, they are generally considered illiquid.

    5. Long-term

    Long-term NCDs are generally issued for more than three years.

    6. Short-term

    These debentures are issued for a period of one year to three years.

    7. Callable

    Callable NCDs give the issuer the right to redeem them before the maturity date.

    8. Putable

    These NCDs come with an option that the buyer can redeem the debenture from the issuing company anytime before the maturity period.

    Read Also: How to Buy NCDs in India?

    How to Buy Non-Convertible Debentures

    The following are two ways through which one can buy the non-convertible debentures:

    1. Primary Market

    This is where NCDs are issued for the first time by the company. They are offered to the public for subscription, and investors can apply using their demat account or through designated financial institutions by filling out an application form.

    2. Secondary Market

    When the NCDs are issued by the companies and are listed in the secondary market, allowing investors to purchase and sell them easily through an exchange similar to any other equity shares.

    Factors to Consider Before Investing in Non-Convertible Debentures

    The key factors to consider before investing in non-convertible debentures are as follows:

    1. Risk: An investor should check the credit rating before making any investment in non-convertible debentures. And it is also advisable to avoid investing in NCDs with a rating below A.
    2. Higher Returns: NCDs offer higher returns than the prevailing government bonds and FD rates. But they are not risk-free like government bonds.
    3. Tenure: One should choose the tenure of NCD based on their investment horizon or financial goal.
    4. Listed Non-convertible Debentures: An investor should opt for NCDs which are listed on the stock exchange, as they can provide liquidity before the maturity date.
    5. Taxation: The interest received on the NCDs is added to your income and taxed based on your income tax slab. Hence, investors should check the tax liability which can arise while investing in NCDs beforehand. 
    6. Reinvestment Risk: If the interest rates in the economy are declining, then the proceeds of the NCDs on maturity, when reinvested in another NCD, might yield lower returns.

    Conclusion

    In summary, Non-Convertible Debentures offer investors an attractive way to earn fixed returns, often higher than traditional fixed deposits. As the name suggests, these instruments cannot be converted into equity shares and remain pure debt throughout their tenure. Companies issue them with varying maturities, coupon rates, and payout structures, giving investors flexibility in choosing options that match their financial goals. However, NCDs are not entirely risk-free, as they carry default risk. This is why credit rating agencies assess them, and why it is wise to invest only after reviewing the ratings and consulting a financial advisor.

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    Frequently Asked Questions (FAQs)

    1. What is the full form of NCD?

      NCD is known as non-convertible debentures. It is a financial instrument issued by companies to raise capital for both long-term and short-term.

    2. What is the taxation on NCD?

      The interest received on the NCD is taxed based on the income tax slab of the investor. And the capital gain arising from selling in the secondary market is also taxed based on the applicable capital gain tax rate.

    3. Is there any option through which an NCD can be sold before maturity?

      Yes, one can sell the non-convertible debentures on the secondary market or stock exchange like any other stock, only in the case of listed NCDs.

    4. Can an NRI invest in NCDs in India?

      Yes, NRIs can invest in Indian NCDs, provided the issuing company permits such investments as per the offer terms and regulatory guidelines.

    5. How to get the money in case of maturity of NCDs?

      On maturity, the principal amount along with the interest is credited to the registered bank account of the investor.

  • Urban Company IPO Allotment Status: Check Latest GMP, Steps to Verify Status

    Urban Company IPO Allotment Status: Check Latest GMP, Steps to Verify Status

    Urban Company, a prominent tech-enabled home services platform, has launched its ₹1,900 crore Initial Public Offering (IPO), comprising a fresh issue of ₹472 crore and an offer-for-sale (OFS) of ₹1,428 crore. The IPO opened for subscription on September 10, 2025, with a price band set between ₹98 and ₹103 per share. The subscription window will close on September 12, 2025, and the shares are scheduled to be listed on both the BSE and NSE on September 17, 2025.

    Urban Company IPO Day 3 Subscription Status

    The Urban Company IPO witnessed an overwhelming response, closing with an overall subscription of 108.97 times. The Qualified Institutional Buyers (QIB) segment topped the charts at 147.35 times, followed by Non-Institutional Investors (NII) at 77.81 times. Retail participation remained strong with 41.41 times subscription, while the employee quota was subscribed 42.47 times.

    Investor CategorySubscription (x)
    Qualified Institutional Buyers (QIB)147.35
    Non-Institutional Investors (NII)77.81
    bNII (above ₹10 lakh)86.75
    sNII (less than ₹10 lakh)59.93
    Retail Individual Investors (RII)41.41
    Employees42.47
    Total Subscriptions108.97

    Total Applications: 44,83,574

    Total Bid Amount (₹ Crores): 1,13,993

    How to Check Urban Company IPO Allotment Status

    Urban Company 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 (MUFG Intime India Pvt. Ltd.)

    The most reliable way is to check allotment from MUFG Intime India Private Limited’s website.

    How to do:

    • Visit MUFG Intime’s official website
    • Select “Urban Company” 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 “Urban Company” from the IPO list
    • Enter PAN number and Application number
    • Click on Search

    Objective of the Urban Company IPO

    Urban Company plans to utilize the net proceeds from the fresh issue for the following purposes:

    Use of IPO ProceedsAmount (₹ Cr)
    Expenditure for new technology development and cloud infrastructure190
    Expenditure for lease payments for the offices75
    Expenditure towards marketing activities90
    General Corporate Purposes–

    Urban Company IPO GMP – Day 3 Update

    The grey market premium (GMP) of Urban Company IPO is ₹50, as on 5:00 PM September 12, 2025. The upper limit of the price band is ₹103, and the estimated listing price as per today’s GMP can be ₹153, giving a potential gain of around 48.54% per share.

    DateGMPEst. Listing Price Gain 
    12-09-2025 (DAY 3)₹50₹15348.54%

    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.

    Urban Company IPO – Key Details

    ParticularsDetails
    IPO Opening DateSeptember 10, 2025
    IPO Closing DateSeptember 12, 2025
    Issue Price Band₹98 to ₹103 per share
    Total Issue Size18,44,66,018 shares(aggregating up to ₹1,900 Cr)
    Listing PlatformBSE, NSE
    RegistrarMUFG Intime India Pvt. Ltd.
    Urban Company IPO RHPClick Here

    Important Dates for Urban Company IPO Allotment

    EventDate
    Tentative AllotmentSeptember 15, 2025
    Refunds InitiationSeptember 16, 2025
    Credit of Shares to DematSeptember 16, 2025
    Listing Date September 17, 2025

    Urban Company Overview

    Urban Company Limited is a technology-driven, full-stack online services marketplace providing home, beauty, and wellness services across 51 cities, including 47 in India, and select international markets such as UAE and Singapore. The platform enables consumers to access services like cleaning, pest control, electrical, plumbing, carpentry, appliance repair, on-demand home-help assistance, painting, skincare, hair grooming, and massage therapy. It also operates the ‘Native’ brand offering water purifiers and electronic door locks. Urban Company engages a network of trained and background-verified service professionals, empowering them with tools, consumables, training, and technology to deliver standardized, quality-driven services. The company leverages a tech-enabled platform for demand-supply matching, service management, and consumer engagement, enabling growth, higher consumer retention, and improved earnings for service professionals.

    Frequently Asked Questions (FAQs)

    1. What is the opening and closing date of Urban Company IPO?

      Urban Company IPO is open on 10 September 2025 and will close on 12 September 2025.

    2. What is the price band of the Urban Company IPO?

      Its price band is fixed from ₹98 to ₹103 per share.

    3. What is the GMP (Grey Market Premium) of Urban Company IPO today?

      The GMP on 12 September 2025 is ₹50, which leads to a possible listing price of ₹153.

    4. What is the total issue size of Urban Company IPO?

      The total issue size of the Urban Company IPO is ₹1,900 crore, comprising a fresh issue of ₹472 crore and an offer for sale (OFS) of ₹1,428 crore.

    5. What is the expected listing date of Urban Company?

      This IPO is expected to be listed on BSE and NSE on 17 September 2025.

  • Best Books on Mutual Funds for Beginners in India

    Best Books on Mutual Funds for Beginners in India

    If you have ever thought about investing, chances are mutual funds came up as the first option. They are simple, beginner-friendly, and eliminate the need to analyse individual stocks. But here is the truth: just because mutual funds are easy to start with does not mean you should jump in without learning the basics.

    The more you know, the better are your investment decisions. And while the internet is flooded with tips, reels, and suggestions, books give you a deeper understanding. They share decades of wisdom and proven lessons that short videos just cannot cover.

    In this blog, we will tell you about 10 amazing books on mutual funds and investing. Some are classics, some are simple guides, and a few explore investor psychology, but all of them will change the way you invest in mutual funds.

    Why Read Books on Mutual Funds?

    We are living in the age of instant advice; scroll through Instagram or YouTube, and you will find endless investing hacks. They are fun, sometimes even useful. But they do not always prepare you for the challenges of investing, like staying calm during a market crash. 

    Books do that. They slow you down, give you perspective, and show you the bigger picture. Below are some of the reasons why they are worth your time. 

    • They build strong basics – You will understand terms like SIPs, NAVs, and diversification without getting confused by complicated market terms.
    • They teach patience – Real wealth is built slowly through compounding, not by chasing quick gains.
    • They give perspective – Many of these authors have seen decades of market ups and downs, and they share what actually works.
    • They help with mindset – A key aspect of successful investing is managing your emotions. Books prepare you for that.

    Read Also: 10 Best Personal Finance Books to Read

    10 Best Books on Mutual Funds in India for Beginners

    1. Common Sense on Mutual Funds – John C. Bogle
    2. The Little Book of Common Sense Investing – John C. Bogle
    3. The Four Pillars of Investing – William J. Bernstein
    4. The Intelligent Investor – Benjamin Graham
    5. The Coffeehouse Investor – Bill Schultheis
    6. Indian Mutual Funds Handbook (5th Edition) – Sundar Sankaran
    7. Mutual Funds – Ladder to Wealth Creation – Vivek K Negi
    8. How to Make a Fortune Through Mutual Funds: Hunt with the Hounds – Ashu Dutt
    9. Mutual Funds For Dummies – Eric Tyson
    10. Mutual Funds Made Easy – Gerard W. Perritt

    An overview of the top 10 mutual funds books in India is given below:

    1. Common Sense on Mutual Funds – John C. Bogle

    This is Bogle’s book, where he explains everything he believes about mutual funds. He makes a simple but powerful point: high costs and too much trading eat away at your returns. Any individual should stick to plain, low-cost index funds and hold them for the long term. If you are serious about investing, it is worth the time. Think of it as a masterclass from the man who changed investing forever.

    Common Sense on Mutual Funds – John C. Bogle

    2. The Little Book of Common Sense Investing – John C. Bogle

    This is the pocket guide where Bogle convinces you that index funds are the smartest, simplest way to invest. He explains about “beating the market” and shows why most people are better off owning it. The writing is simple, the arguments are clear, and the lessons stick. For beginners, this is the best place to start your investing journey.

    The Little Book of Common Sense Investing - John C. Bogle

    3. The Four Pillars of Investing – William J. Bernstein

    Bernstein takes a wide-angle view of investing. He talks about the theory (why diversification matters), history (how markets behave), psychology, and the business side. While the book is broader than just mutual funds, the lessons on portfolio diversification, risk management, and long-term planning are directly applicable to mutual fund investing. He is sure about one thing: most people should just focus on low-cost funds and stop trying to outsmart the market. The mix of history and science makes this book eye-opening for anyone who wants to understand investing in a better way. 

    The Four Pillars of Investing - William J. Bernstein

    4. The Intelligent Investor – Benjamin Graham

    This one is known as a classic for a reason. Benjamin Graham, Warren Buffett’s mentor, lays down multiple lessons about patience, discipline, and protecting yourself from risk. He explains the difference between being an “investor” and a “speculator”, a line that many people are not able to comprehend. Although Graham focuses on stocks, the principles of risk management, value assessment, and long-term thinking are highly relevant to mutual fund investing. The writing is a bit old-school, but the knowledge it carries is still relevant. If you read it, you will take away a whole new way of looking at money and risk.

    The Intelligent Investor - Benjamin Graham

    5. The Coffeehouse Investor – Bill Schultheis

    This book feels like a chat with a wise friend over coffee. Schultheis argues that investing doesn’t need to be complicated, no need for fancy strategies, endless research, or sleepless nights. His approach is simple: build a balanced portfolio with index funds, leave it, and continue living your life. The language is simple, even humorous at times, making it perfect for beginners who feel overwhelmed by finance. It’s not about chasing every opportunity, but about finding peace of mind while still growing your wealth steadily.

    The Coffeehouse Investor - Bill Schultheis

    6. Indian Mutual Funds Handbook (5th Edition) – Sundar Sankaran

    If you have ever wanted an easy, no-nonsense guide to how the Indian mutual fund industry works, this book can be of great help. Sundar Sankaran does a great job of breaking things down, whether it is the different types of funds, how they compare to other investment options, or how to invest across sectors. What makes it especially useful is how practical and India-focused it is, so you are not just getting theory but insights you can actually use. In many ways, it is a handbook for anyone who wants to understand mutual funds in the Indian context.

    Indian Mutual Funds Handbook (5th Edition) - Sundar Sankaran

    7. Mutual Funds – Ladder to Wealth Creation – Vivek K Negi

    If you are starting your investing journey, this book is a perfect place to begin. Often rated as one of the best beginner-friendly guides on mutual funds, it explains the basics in a way that is simple and easy-to-follow. Vivek K Negi not only covers the fundamentals but also shows how mutual funds can become a smart tool for long-term wealth creation. For anyone new to the world of investing, this should be one of the first books on your reading list.

    Mutual Funds – Ladder to Wealth Creation - Vivek K Negi

    8. How to Make a Fortune Through Mutual Funds: Hunt with the Hounds – Ashu Dutt

    This book shows how you can achieve extraordinary returns from mutual funds beyond the steady, slow gains most investors expect. Ashu Dutt explains that mutual funds deliver their best results in rising markets, and that conventional approaches like always investing through systematic investment plans or holding long-term may not make you rich. Instead, the book emphasizes timing your investments and strategically trading mutual funds to maximize profits. At the same time, Dutt keeps the language simple, making it easy for beginners to follow and addressing common myths, such as the fear of losing money during downturns or thinking mutual funds are only for long-term investing. This practical guide is perfect for investors who want to start investing with confidence while exploring the full potential of mutual funds.

    How to Make a Fortune Through Mutual Funds: Hunt with the Hounds - Ashu Dutt

    9. Mutual Funds For Dummies – Eric Tyson

    If you have just started your financial journey and are feeling lost, this book is like having a friendly guide walk you through the world of mutual funds step by step. Eric Tyson is trying to show you how to choose funds that align with your investment goals and help you understand all the jargon. You do not need to be an expert; this book is designed for everyday investors who just want clear, practical advice.

    Mutual Funds For Dummies - Eric Tyson

    10. Mutual Funds Made Easy – Gerard W. Perritt

    Gerard W. Perritt wrote this book with beginners in mind, making it a simple, step-by-step guide to understanding mutual funds. It covers the basics of how to get started, while also teaching you the importance of managing risk, diversifying your portfolio, and building a clear financial plan. Perritt also shares practical suggestions on how to stay disciplined as an investor and avoid common mistakes, making this book a reliable companion for anyone looking to grow wealth over time through mutual funds.

    Mutual Funds Made Easy - Gerard W. Perritt

    Read Also: Top 10 Books for Beginners in Trading & Investing

    Conclusion 

    Mutual funds are often sold as “easy investment options,” but the truth is, they are only effective when a person uses them mindfully. It is important to have the right mindset, patience, and a consistent investment plan.

    The books listed above are not just about mutual funds; they are about becoming a better investor overall. They will teach you to avoid the noise and trust the power of compounding. Instead of relying on short-term tips, consider reading one of these books as the knowledge you will gain will stay with you for the long term.  

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    Frequently Asked Questions (FAQs)

    1. Are these books useful for Indian investors?

      Yes, while most are written with U.S. markets in mind, the lessons, like patience, diversification, and low costs, apply everywhere.

    2. Which book should I start with as a beginner?

      Go for The Little Book of Common Sense Investing, it is simple and beginner-friendly. 

    3. Do these books talk about SIPs?

      Some mention systematic investing strategies, which are almost the same idea. 

    4. Do I need to read all 10?

      No. Even reading one or two will make a huge difference in how you see mutual funds.

    5. Can I buy these books easily in India?

      Yes, most are available on Amazon, Flipkart, or even in local bookstores.

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