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Best Construction Stocks in India

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

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

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

What Are Construction Stocks?

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

In India, construction stocks often include the following:

EPC companies
Real estate developers
Infrastructure builders

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

Top 10 Construction Stocks in India

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

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

Name	Share Price (₹)	Market Cap (₹ Cr)	52 Week High (₹)	52 Week Low (₹)
Mahindra Lifespace Developers Ltd	396.75	8425.91	427.05	255.87
Man Infraconstruction Ltd	125.06	5124.95	245.72	117.12
PSP Projects Ltd	881.95	3508.69	1029.90	609.00
B L Kashyap & Sons Ltd	51.36	1152	84.69	45.00
Vascon Engineers Ltd	48.46	1088.91	74.59	31.98
Consolidated Construction Consortium Ltd	18.05	806.85	28.87	10.84
Modis Navnirman Ltd	334.65	653.27	409.00	304.50
Pansari Developers Ltd	304.45	532.13	352.30	142.05
Parsvnath Developers Ltd	10.03	443.45	27.29	9.78
RBM Infracon Ltd	434.50	434.73	744.00	249.85

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

Read Also: Best Material Stocks in India

Overview of Top 10 Construction Stocks in India

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

1. Mahindra Lifespace Developers Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
0.44	-14.07	9.6	212

(Data as of 6 Jan, 2026)

2. Man Infraconstruction Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
-1.5	-47.55	72.85	426.15

(Data as of 6 Jan, 2026)

3. PSP Projects Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
-0.36	29.17	15.08	112.33

(Data as of 6 Jan, 2026)

4. B L Kashyap and Sons Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
0.51	-36.26	58.7	350.22

(Data as of 6 Jan, 2026)

5. Vascon Engineers Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
1.76	-11.95	40.68	207.23

(Data as of 6 Jan, 2026)

6. Consolidated Construction Consortium Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
-0.06	3.14	1104	3,512.00

(Data as of 6 Jan, 2026)

7. Modis Navnirman Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
0.36	31.54	134.82	605.86

(Data as of 6 Jan, 2026)

8. Pansari Developers Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
-0.18	62.49	324.2	1,223.21

(Data as of 6 Jan, 2026)

9. Parsvnath Developers Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
-1.57	-54.97	9.57	65.69

(Data as of 6 Jan, 2026)

10. RBM Infracon Ltd

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

Know the Returns

1 Day Return %	1 Year Return %	3 Years Return %	5 Years Return %
0.98	-35.05	809.73	680.94

(Data as of 6 Jan, 2026)

Key Performance Indicators (KPIs)

Name	Net Profit Margin (%)	PE Ratio (x)	ROCE (in %)	ROE (in %)	Debt to Equity
Mahindra Lifespace Developers Ltd	14.69	51.6	3.18	3.24	0.92
Man Infraconstruction Ltd	39.72	17.17	22.34	16.82	0.02
PSP Projects Ltd	2.28	58.51	10.09	5.31	0.22
B L Kashyap & Sons Ltd	3.14	42.09	7.8	5.39	0.41
Vascon Engineers Ltd	11.82	7.99	14.29	12.52	0.19
Consolidated Construction Consortium Ltd	28.32	8.46	53.24	77.1	0
Modis Navnirman Ltd	10.93	44.73	14.8	12.82	0.03
Pansari Developers Ltd	20.57	50.6	6.38	5.73	0.75
Parsvnath Developers Ltd	-160.32	-1.73	-0.98	16.78	-1.73
RBM Infracon Ltd	9.15	14.92	29.19	24.76	0.08

(Data as of 6 Jan, 2026)

How to Invest in Construction Stocks Using Pocketful

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

Step 1: Open an Account on Pocketful

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

Step 2: Research Construction Stocks

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

Step 3: Decide Your Investment Amount

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

Step 4: Place Your Order

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

Step 5: Track and Review Regularly

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

Who Should Invest in Construction Stocks

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

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

Pros of Investing in Construction Stocks

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

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

Cons of Investing in Construction Stocks

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

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

Conclusion

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

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

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Frequently Asked Questions (FAQs)

What drives the performance of construction stocks in India?
Construction stocks move mainly with government infrastructure spending, real estate demand, and private sector capex. Order inflows, timely execution, and cash flow management play a major role in long-term performance.
Are construction stocks suitable for beginners?
Beginners can invest, but only after understanding sector cycles. It is better to start with established companies and avoid overexposure to small, highly volatile stocks.
How long should one hold construction stocks?
A holding period of at least five years is ideal. This will allow your invest to grow and generate the wealth that you are intending to.
What are the key risks in construction stocks?
Project delays and rising input costs are the major risks to focus on. Some others include the funding issues and policy changes that can impact returns. Regular monitoring is essential.
Can construction stocks be part of a diversified portfolio?
Yes, they work well when combined with defensive and growth sectors. This will help you to create a portfolio that is balanced and spreads the risk well.

January 31, 2026

Future of Hedge Funds in India by 2030

In India, Hedge funds are officially called Category III Alternative Investment Funds (AIFs). This name is a bit long, but it just means they are an “alternative” to regular options like bank deposits or gold. They are meant for “sophisticated” investors. These are people who have a lot of money and understand that high returns often come with high risks.

In simple words, a hedge fund is a pool of money from many high net-worth individuals (HNIs). A professional manager uses this money to invest in the stock market, commodities market and currency market etc. using advanced math and strategies. The goal is to get “Alpha.” This is a fancy word for returns that are better than the normal market average. They want to make sure your money grows regardless of whether the Nifty 50 index is green or red.

In this blog, we will see how hedge funds operate in India, how they generate alpha, and why they are meant for sophisticated investors.

Top Hedge Funds in India (Category III AIFs)

Rank	Fund Name	Manager	Strategy	Notable Performance (2025)
1	ASK Absolute Return Fund	ASK Group	Absolute return, long-short	Top 10 long-short (Jul 2025)
2	Abakkus All Cap / Long-Short Fund	Abakkus Asset Manager	All-cap long-short equity	3.31% (Sep 2025)
3	Negen Undiscovered Value Fund (Cat III)	Negen Capital	Value equities	3.08% (Jul 2025)
4	Motilal Oswal MOSt Focused Multicap (Cat III)	Motilal Oswal Asset Management	Focused multicap	Strong YTD mentions
5	IIFL India Special Situations Fund	IIFL Asset Management	Special situations	Consistent performer

History of Hedge Funds

It starts with Alfred Winslow Jones in 1949. He was not even a finance person; he was a sociologist. He wrote an article about how to predict the market and then decided to start his own fund. He had a simple idea: if you buy some stocks and sell others at the same time, you are “hedged”. This means you are protected.

Jones introduced two things that are still used today. First, he used “leverage.” This means he borrowed money to buy more stocks than he could afford with just his own cash. Second, he took a “performance fee.” He told his investors that he would take 20% of whatever profit he made for them. This made sure he worked very hard to make them rich. In 1966, a famous magazine called Fortune wrote about him. After that, everyone wanted to start a hedge fund.

In India, the story is much newer. For a long time, we did not have a clear way for these funds to work. Many rich Indians sent their money to other countries like Singapore or Mauritius to invest in such funds. Finally, in 2012, SEBI brought out the AIF Regulations which changed everything. And the Edelweiss Alpha Fund became India’s first registered Category III AIF in June 2013. It gave a home to hedge funds in India. Since then, the industry has grown from almost nothing to managing lakhs of crores.

Period	Average Annualized Return (Approx.)
Since Inception (June 2013)	14.4%
Last 10 Years	11.7%
Last 5 Years (Post-COVID)	22.2%
Last 3 Years	12.3%

Note: These are average index returns. Top-performing “Long-Only” AIFs have often crossed 20–25% CAGR, while “Long-Short” funds often target 12–15% with much lower volatility than the Nifty.

Average Annualized Return

Understanding the Different Types of Hedge Funds

To understand how these funds work, we can look at the “tools” they use. Not all hedge funds do the same thing. Some are like safe boxes, while others are like racing cars. Let us break them down into simple categories so we can see which one does what.

1. Equity Long-Short Funds

This is the most popular type. When the manager is bullish on any stock, they buy it. This is called going long. At the same time, if they are bearish on stocks this is called going short. If the market goes up, their “Long” stocks make money. If the market crashes, their “Short” position actually makes money. This helps them stay positive even in highly volatile markets.

2. Arbitrage Funds

These are very safe funds, they look for tiny price differences in different markets. For example, if a stock is selling for 100 rupees in the regular market and its future price is Rs.101, they can lock in that 1 rupee profit. It is almost like a risk-free way to earn a little extra money. Arbitrage trading is not a manual human activity anymore. While a human manager oversees the strategy, the actual trading is done by computers.

3. Global Macro Funds

These funds look at the “Big Picture.” They don’t just look at one or two companies. They look at the whole world. They look at things like interest rates, oil prices, and wars. If they think the US dollar will get stronger or gold will go up, they make huge bets on that. George Soros is the most famous manager in this category.

4. Event-Driven Funds

These funds wait for something big to happen in a company. This could be a merger, a takeover, or a big lawsuit. They try to guess how the stock price will change because of this event. It is a bit like being a detective and an investor at the same time.

Advantages of Hedge Funds in India

Protection from Crashes: The biggest win is that they can protect you when the market is falling. While others are losing money, a good hedge fund might still be in the green.
High Returns: Over a long time, these funds can give better returns than traditional mutual funds. This is because they have more freedom to move money around.
Expert Management: These funds are run by the smartest minds in the business. You get access to institutional-level research that normal retail investors don’t see.
Tax Benefits: The fund pays the taxes before distributing the money to you. This means you don’t have to worry about complicated tax filings every year for every trade.

Risks of Hedge funds in India

High Entry Cost: You need Rs.1 crore just to enter. That is only suitable for the High net-worth individuals (HNIs).
Lock-in Periods: You cannot take your money out whenever you want. Many funds ask you to keep your money with them for 3 or even 5 years.
Leverage Risk: They use borrowed money to increase returns. But if a bet goes wrong, the loss is also much bigger because of that borrowed money.
Complexity: It is very hard to understand exactly what the manager is doing. You have to trust them completely with your money.

Read Also: Decoding Hedge Funds In India

How the Future Looks for 2030

The future of money in India is changing. By 2030, we expect India to be the third-largest economy in the world. As people get richer, they will want better ways to manage their wealth. Experts believe that the AIF market (which includes hedge funds) could grow to over 500 billion dollars by 2030. This is a massive jump from where we are today.

We are also seeing the rise of GIFT City in Gujarat. This is a special financial zone that makes it very easy for international investors to bring money into India. This will bring more global technology and better strategies to our hedge fund industry. We will also see more use of Artificial Intelligence (AI). AI can look at millions of data points every second to find the best trades.

Another big change will be how we track our money. In the past, you had to wait for a paper statement from your fund manager. Now, with apps like Pocketful, everything is on your phone. You can see your stocks, bonds, and other investments in one place. Even if you are not a Rs.1crore investor yet, these tools help you prepare for that level of wealth. They make the stock market feel less scary and more like a tool for your future.

Conclusion

Hedge funds in India have come a long way since the rules were made in 2012. They are no longer just a “western” concept. They are a real and growing part of the Indian financial story. While they are meant for the wealthy today, the strategies they use are slowly helping the whole market become more mature.

If you are looking at the long term, towards 2030, the outlook is very positive. Our economy is strong, our regulators are smart, and our fund managers are among the best in the world. It does not matter if you are a big investor or not, it is important to know about these funds for your financial investments. They represent the high end of the financial world and show us what is possible with smart planning.

As an investor you should not be afraid of these complex names or big numbers. At the end of the day, it is all about making your money work for you. For financial investments one shall always stay curious, keep learning, and your financial future will be bright.

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Frequently Asked Questions (FAQs)

What does a Hedge Fund mean in simple terms?
A hedge fund is a special type of investment where a group of people pool their money and a professional manager uses this money for buying and selling of stocks, bonds, and other financial products. The most important thing is they can bet against the market to protect your money even during a falling market scenario.
What are the benefits of these funds compared to mutual funds?
Freedom is what you get in hedge funds, in mutual funds you stay invested all the time, but a hedge fund can move to cash or bet that the market will go down. This can lead to higher returns and less loss during market crashes.
How can I use a Hedge Fund in my investment plan?
If you have at least 1 crore rupees to spare, you can use a hedge fund to diversify your portfolio. It should usually be a small part of your total wealth. It acts as a safety net for your other investments like direct stocks or property.
Why is the year 2030 important for these funds?
By 2030, India’s economy will be much larger. This means more rich people and more companies to invest in. Experts project that the money in these alternative funds will grow by more than 5 times by then.
Can I invest in a Hedge Fund with a small amount?
Currently, the law says you need a minimum of 1 crore rupees for a SEBI-registered hedge fund (Category III AIF). However, you can use apps like Pocketful to invest in similar themes or “Pockets” of stocks with much smaller amounts to grow your wealth until you reach that 1 crore mark.

January 30, 2026

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

Every year before the budget, public discussion revolves around the same question: what new measures will the government introduce this time for both the common man and businesses? The Union Budget 2026 will be presented in Parliament on February 1, 2026 (Sunday) at 11:00 AM. A notable aspect this year is that despite it being a Sunday, the NSE and BSE will remain open for the entire trading day (9:15 AM to 3:30 PM). The indications emerging regarding tax relief, government spending, and various sectors are considered crucial in determining the direction of the upcoming financial year.

Union Budget 2026-27 Expectations

Area / Sector	Budget 2026 Expectations (As per reports & experts)
Income Tax (Middle Class)	The standard deduction is likely to increase to ₹1 lakh, there will be clarity on the basic exemption limit and tax slabs, and tax compliance will be made simpler.
Section 87A & Capital Gains	Clear guidelines on the applicability of Section 87A rebate on capital gains.
Healthcare & Insurance	Relief from rising hospital costs and health insurance premiums, updating Section 80D limits.
Senior Citizens & Long-Term Care	Increased interest income exemption, policy support for assisted living and home-care expenses.
Real Estate & Housing	Focus on stability, liquidity and sustainable growth, home loan tax benefits for affordable housing policy continuity
Consumer Spending & Rewards	15–20% growth in discretionary spending (electronics, apparel, auto) after Budget, smarter loyalty & rewards ecosystem
Labour Compliance & Power Sector	Simpler labor compliance, predictable inspections, electricity pricing me transparency (market coupling, VPPAs)
Technology in Tax Filing	Simplifying application forms, improving pre-filled data, and streamlining the contactless assessment system.
Crypto & Digital Assets	Clarity on the tax treatment of crypto profits and losses, and rationalizing loss set-off rules.
Retail Investors & Markets	Tax clarity for long-term investing, stable policy direction, harmonisation of capital gains framework
NPS & Retirement Savings	Strengthening pension benefits under the new tax regime, and improving retirement readiness for the aging population.
Housing Finance & Credit Access	Predictable EMIs, easier credit access for first-time and non-metro buyers.
GST & Workplaces	Incentives for GST rationalization, green & energy-efficient offices
Tax Administration	Faster refunds, time-bound disposal of appeals, easier compliance
Surcharge & High Tax Rates	Rationalization of surcharge to ease the high effective tax rate.
New Tax Regime	Stability, fewer changes, focus on ease of compliance rather than new slabs
Health Insurance Adequacy	Making insurance coverage adequate to keep up with medical inflation, not just affordable.
Freelancers & Gig Workers	Simpler, digital-friendly tax framework for multiple income sources
Global Investors	Predictable regulation, lower tax & transaction friction
Digital Payments (UPI)	Sustainable funding model, security & infrastructure investment for payment ecosystem
Indexation & LTCG Relief	Reconsideration of indexation benefits for real estate, gold, and debt funds.
International Credit Card & LRS	Bringing international card spends into LRS framework
Microfinance Sector	Stronger KYC norms and borrower protection
EVs & Green Energy	Clarity on tax rules of EV & hybrid vehicles, battery & storage incentives
Education & Skills	Upskilling programs par GST reduction, AI/ML apprenticeships
Defence & Aerospace	Increase in defense capital expenditure, support to drones & space sector
Digital Economy & Startups	Plea for electronics and infrastructure, and expansion of DPI (Digital Public Infrastructure)
Markets Overall	Instead of big-bang reforms, focus on stability, clarity, and continuity.

1. Income Tax Expectations: Focus on Middle-Class Relief

Standard Deduction: The focus is on increasing the standard deduction for salaried taxpayers to ₹1 lakh.

Basic Exemption Limit: There is talk of aligning the tax-free income limit in the new tax regime to around ₹5-6 lakh.
Section 80D (Health Insurance): Experts are emphasizing the need to allow health insurance deductions in the new regime as well.
LTCG Exemption: The agenda includes revising the LTCG exemption limit for small investors to above ₹1.25 lakh.
Section 87A on Capital Gains: The industry has pointed out the need to clarify the treatment of rebates on capital gains.
30% Tax Slab Entry Point: A proposal to shift the threshold for the top tax slab upwards is being discussed for professionals and entrepreneurs.
Surcharge Rationalization: Rationalizing the surcharge cap to control the high effective tax rate remains a key topic.

2. Old vs New Tax Regime: Policy Clarity Needed

Coexistence of Both Regimes: The Budget 2026 will clarify whether the Old Tax Regime will continue or if the New Tax Regime will become the primary system.
Limited Deductions in New Regime: There is discussion about including some essential deductions in the New Tax Regime, such as:
- HRA (House Rent Allowance)
- Home loan interest
- Health insurance (Section 80D)
- NPS contribution
Senior Citizens Relief: There may be a focus on introducing separate slabs or targeted rebates for senior citizens, especially considering pension and capital gains income.
Taxpayer Shift Trend: Now, over 72% of taxpayers have opted for the New Tax Regime, which means the government is focusing more on stability and clarity rather than frequent changes.

3. Healthcare & Insurance Expectations

Medical inflation has reached approximately 11-14%, so the focus in Budget 2026 is expected to be on controlling healthcare costs.
There is discussion about increasing the health insurance deduction limits under Section 80D to reflect current premium levels and including it in the New Tax Regime.
The need for clear guidelines on hospital room rent and treatment charges is being emphasized to reduce out-of-pocket expenses for patients.
The policy focus is shifting from simply making insurance cheaper to ensuring adequate coverage so that major illnesses are fully covered.
Strengthening group health insurance plans offered by employers through tax incentives is also being considered.
There is a strong push to recognize assisted living and home-care services for senior citizens as healthcare expenses and to create a separate support framework for them.

4. Senior Citizens & Retirement Planning

Interest Income Relief: There are reports that the exemption limit on interest income from bank FDs and savings accounts for senior citizens may be increased from ₹50,000 to ₹1,00,000 to help alleviate the pressure of inflation.
Tax Slabs for Seniors: Discussions are underway regarding separate tax slabs or special rebates for senior citizens to ensure a balanced tax burden on their pensions and fixed incomes.
NPS Support: The need to strengthen the tax benefits available on NPS contributions under the New Tax Regime is being highlighted to encourage better savings for retirement.
Long-Term Care & Assisted Living: Emphasis is being placed on providing policy support for assisted living and long-term care insurance, as medical and care expenses are increasing rapidly with age.
Caregiving Recognition: The need to establish home-care and caregiving services as a structured and recognized profession is being emphasized to ensure reliable care for senior citizens.

5. Real Estate & Housing Finance

Affordable Housing Limit: Discussions are underway to increase the affordable housing limit in metro cities from ₹45 lakh to ₹65 lakh.
Home Loan Tax Benefit: There is a focus on increasing the limit for tax deductions on home loan interest to reduce the burden of EMIs.
REIT & Small Investors: Including REITs under Section 80C could provide small investors with an easier way to invest in real estate.
Green Buildings: The need for incentives to promote energy-efficient and eco-friendly construction is being highlighted.
Easy Home Loans: The focus is on making loan access easier for first-time buyers and those in smaller cities, making homeownership more practical.

6. Infrastructure & Capital Expenditure

Capital Spending: This time, capital expenditure on infrastructure is expected to exceed ₹12 lakh crore.
Roads & Highways: There is discussion about allocating approximately ₹2.9 lakh crore for road and highway projects.
Railways: The railways could receive around ₹3 lakh crore, which would include funding for safety systems (Kavach), Vande Bharat, and Amrit Bharat trains.
Metro & Rapid Rail: The focus is now on expanding Metro and Namo Bharat projects to Tier-2 and Tier-3 cities.
Ports: New funding is being considered for major ports like Vadhavan and port-linked industrial areas.

7. MSMEs & Small Business Support

CGTMSE Credit Guarantee Expansion: The focus is on expanding the CGTMSE credit guarantee cover to ensure that small businesses can access loans more easily.
Quarterly GST Filing: Simplifying the quarterly GST return system for micro-enterprises has been proposed to reduce the compliance burden.
AI-based Customs Clearance (Up to ₹10 Lakh): The focus is on implementing an AI-based fast customs clearance system for import-export shipments up to ₹10 lakh to save both time and costs.
45-Day Payment Rule Enforcement: The need to strictly enforce the 45-day payment rule is being emphasized to ensure timely payments to MSMEs by large buyers.
Simplified Labour Compliance: The emphasis is on making labour laws and inspections simpler and more predictable so that small businesses can operate without fear.

8. Manufacturing & Make in India 2.0

Milestone-based Incentives: Instead of providing blanket subsidies to manufacturing companies, the focus is on a policy of offering incentives upon the achievement of production and performance milestones.
AI & Digital Manufacturing Support: There are proposals to provide tax benefits and subsidies for the adoption of AI, automation, and digital tools in factories.
MSME Competitiveness Platform: The focus is on launching a national scoring platform to measure the productivity and technological readiness of MSMEs, enabling targeted support.
Supply Chain & Logistics Efficiency: Attention is being given to improving logistics and supply chain efficiency to make raw material supply, transport, and delivery systems faster and more cost-effective.

9. Agriculture & Rural Development

NICRA Scheme Expansion: The focus is on expanding the NICRA scheme across the country, aiming to protect approximately 50,000 villages from crop losses caused by climate change.
AgriStack Digital System: AgriStack aims to provide farmers with easier access to loans and crop insurance by integrating land records and crop data.
Climate-Resilient Seeds: There are discussions about providing incentives for the adoption of high-yield and climate-resistant seeds.
Crop Insurance Reforms: The emphasis is on expediting claim settlements by linking crop insurance with digital records.
Food Security: Steps can be taken to strengthen long-term food security through a new Seeds Bill and modern technologies.

10. Education & Skill Development

GST Relief on Upskilling: There is a push to reduce the GST on upskilling and reskilling courses from 18% to 5%, making learning more affordable for working professionals and youth.
AI/ML Apprenticeships: The introduction of AI and ML-related apprenticeship programs in regional languages has been proposed to benefit young people from rural and non-English speaking backgrounds.
Digital Universities & Online Degrees: The focus is on mainstreaming digital universities and online degree programs to make higher education more accessible.
Quality-Based Funding: Education funding is being linked to quality, outcomes, and infrastructure rather than solely to enrollment numbers.

11. Defence, Space & Aerospace

Defence Spending: Defence sector capital spending is set to increase by approximately 20% to boost domestic manufacturing and investment in new equipment.
Space Sector Support: The space sector may be granted critical infrastructure status, enabling private companies to access cheaper and long-term funding.
Drones & R&D: Discussions are underway for a separate PLI (Production Linked Incentive) scheme for the drone industry and strengthening R&D funding to develop local technology.
Aircraft MRO: Tax benefits may be offered to encourage increased investment in aircraft maintenance (MRO), aiming to establish India as a regional MRO hub.

12. Green Energy & Electric Vehicles

GST Reduction on Battery Energy Storage Systems (BESS) : There is a push to reduce the GST on Battery Energy Storage Systems from 18% to 5% to make it easier and cheaper to integrate renewable energy into the grid.
Battery Recycling Incentives: Separate incentives and policy support are being considered to promote the recycling infrastructure for EV batteries, thereby reducing dependence on raw materials.
Focus on Eliminating Inverted Duty Structure: The need to eliminate the inverted duty structure is being emphasized to address the problem of higher GST on inputs and lower GST on outputs for EV manufacturers.
Changes to PLI Scheme for MSMEs: To make PLI schemes more practical for MSMEs, work may be done on lower investment limits and targeted benefits.
Clarity in EV Tax Rules: There is a need for clear rules regarding the tax treatment of electric and hybrid vehicles to avoid confusion for both companies and buyers.

13. Digital Economy & Technology

There are discussions about a ₹10,000 crore PLI (Production Linked Incentive) scheme to boost electronics manufacturing.
Plans are underway to integrate digital services with healthcare and government services to expedite processes.
The need to simplify tax rules on ESOPs (Employee Stock Ownership Plans) for startups is being highlighted.
With the increase in online payments, greater emphasis will be placed on data security.
Work may be done to simplify and standardize the KYC (Know Your Customer) process.

14. Markets, Investors & Capital Gains Policy

There’s talk of increasing the LTCG (Long-Term Capital Gains) exemption limit.
The need for simplifying and standardizing capital gains rules is being emphasized.
The indexation benefit for real estate and gold may be reconsidered.
Discussions are underway regarding balancing the Securities Transaction Tax (STT).
There’s a demand for clear guidelines on cryptocurrency tax rules.

Conclusion

The expectations surrounding the Union Budget 2026 indicate that people want clear and practical changes in decisions related to taxes, investments, and everyday expenses. The focus will now be on how well the budget strikes a balance between the needs of the common man and the market, and how it shapes the economic direction for the coming year.

This Union Budget Day, trade intraday with zero brokerage on Pocketful – featuring advanced charts & fundamentals for new-age traders and investors.

Frequently Asked Questions (FAQs)

When will the Union Budget 2026 be presented?
The Union Budget 2026 will be presented on February 1, 2026 (Sunday) at 11:00 AM.
Will the NSE and BSE be open on Budget day 2026?
Yes, since the Budget is on a Sunday, the NSE and BSE will remain open throughout the day (9:15 AM to 3:30 PM).
What are taxpayers expecting from Budget 2026?
Taxpayers are expecting changes in standard deduction, health insurance relief, and capital gains rules.
Which sectors may get priority in Budget 2026?
Infrastructure, healthcare, real estate, MSMEs, green energy, and the digital economy are likely to receive special attention.
Is Budget 2026 likely to help senior citizens?
Senior citizens are likely to receive relief on interest income and increased healthcare support.

January 30, 2026

Why Gold Prices Hit ₹1,80,000 – Key Reasons

Gold prices have recently touched INR 1,80,000, making a lifetime high. It has started gaining the attention of Indian investors as to what could be the possible reasons behind such a drastic increase in the price of Gold.

In today’s blog post, we will give you an overview of the key reasons behind the rise in the price of Gold.

Gold Prices Today

Gold prices have recently reached the level of ₹1,80,000 per 10 grams. The prices have increased because of various factors. Investors are worried about whether to invest now or wait for a correction. However, in the short run, the prices might show some correction because of profit-booking, but in the long run, they will rise.

Why Gold Prices Cross ₹1,80,000

The key reason why gold prices have risen and crossed ₹1,80,000 is as follows:

1. Uncertainty in the Global Market

The key reason behind the increase in the price of gold is the global uncertainty. Whenever in the world geopolitical tension rises or the financial conditions become unstable, investors look for a safer investment option, which primarily includes gold. This tends to increase the demand for gold across the world and eventually pushes the prices higher.

2. Trade Risk

Recently, the world has been slowly entering into a trade war zone, few countries are imposing huge tariffs on other countries. It increases the trade-related risk. Hence, such conditions and trade-related disputes will put countries into financial debt. Due to this, investors are shifting their investments into gold.

3. Import Cost and Rupee Depreciation

India is partially an import-oriented country, and it also imports gold from different countries in order to meet the domestic demand. And when the Indian Rupee is depreciating against the US dollar, the importing cost will rise, which will directly push the domestic price of gold upside down.

4. Increasing Demand

Central banks across the world are reducing their dependency on the US dollar, and they are purchasing gold in order to increase their gold reserves. The supply of gold is limited, and this long-term demand is pushing the prices higher. Based on several reports in 2024-2025, major central banks across the world have collectively purchased around 1000 tonnes of gold.

5. Lower Interest Rate

As central banks across the world are decreasing the interest rates, this makes the bonds and fixed deposit investment options less attractive, and investors move towards gold as it becomes an attractive investment option.

6. Market Volatility

During the volatility in the stock market or any economic slowdown, it has been observed that gold has performed exceptionally well. Hence, institutional investors considered gold as an economic insurance.

Performance of Gold Funds

Funds	Net Assets (Cr)	1 Yr Return (%)	3 Yr Return (%)	Expense Ratio (%)	NAV as on 26th Jan 2026	52-Week High NAV	52-Week Low NAV	Exit Load (Period)	Fund Manager (Tenure)
Nippon India ETF Gold BeES	39,901	90.25	37.71	0.8	149.36	149.36	78.93	—	Akshay Udeshi (2.4), Ritesh Patel (3)
HDFC Gold ETF	18,488	88.65	37.87	0.59	127.38	127.38	67.26	—	Vikram Dhawan (3.9)
ICICI Prudential Gold Exchange Traded Fund	17,769	90.77	37.37	0.5	58.68	58.68	31.26	1.00 (15)	Himanshu Mange (2.1)
SBI Gold ETF	17,401	90.33	37.09	0.7	299.75	299.75	87.46	—	Vikram Dhawan (4)
Kotak Gold ETF	12,162	90.47	37.27	0.55	46.22	47.13	13.86	1.00 (15)	Jitendra Tolani (1)

(Data as of 27th Jan 2026)

Effect of Increased Prices

The increased prices of gold can significantly impact the investors, the economy, and jewellery shop owners in the following manner:

On Investors

Gold acts as a hedge against inflation, economic uncertainties, and volatility in the stock market.
Investors who hold gold at a lower price can enjoy capital appreciation as the prices increase.

On Jewellery Shoppers

Due to the higher gold prices, price-sensitive buyers tend to avoid purchasing gold.
The jewellery shop owners will require more working capital to maintain inventory.

On Economy

Due to an increase in gold prices, import costs will rise, which will eventually increase the country’s trade deficit.
Because of the higher import of gold, which means more dollars are needed, this can weaken the Indian rupee.

Conclusion

On a concluding note, gold has touched the price of 1,80,000 INR and marks a historic moment for Indian markets. But there are various factors which are pushing the prices higher, such as geopolitical tension, market volatility, weak Indian rupees, etc. Every investor is worried about whether to invest now or wait for a correction. In this case, the correct method is to make strategic allocation based on risk profile, and through SIPs. Short-term corrections are expected due to profit booking, but the overall trend will be on the higher side. But it is always advisable to consult your investment advisor before making any investment decision.

Start your investing journey in metals with Pocketful – low brokerage, advanced analysis, and powerful charts, all in one app.

Gold Rate in Top Cities of India	Silver Rate in Top Cities of India
Gold rate in Ahmedabad	Silver rate in Ahmedabad
Gold rate in Ayodhya	Silver rate in Ayodhya
Gold rate in Bangalore	Silver rate in Bangalore
Gold rate in Bhubaneswar	Silver rate in Bhubaneswar
Gold rate in Chandigarh	Silver rate in Chandigarh
Gold rate in Chennai	Silver rate in Chennai
Gold rate in Coimbatore	Silver rate in Coimbatore
Gold rate in Delhi	Silver rate in Delhi
Gold rate in Hyderabad	Silver rate in Hyderabad
Gold rate in Jaipur	Silver rate in Jaipur
Gold rate in Kerala	Silver rate in Kerala
Gold rate in Kolkata	Silver rate in Kolkata
Gold rate in Lucknow	Silver rate in Lucknow
Gold rate in Madurai	Silver rate in Madurai
Gold rate in Mangalore	Silver rate in Mangalore
Gold rate in Mumbai	Silver rate in Mumbai
Gold rate in Mysore	Silver rate in Mysore
Gold rate in Nagpur	Silver rate in Nagpur
Gold rate in Nashik	Silver rate in Nashik
Gold rate in Patna	Silver rate in Patna
Gold rate in Pune	Silver rate in Pune
Gold rate in Rajkot	Silver rate in Rajkot
Gold rate in Salem	Silver rate in Salem
Gold rate in Surat	Silver rate in Surat
Gold rate in Trichy	Silver rate in Trichy
Gold rate in Vadodara	Silver rate in Vadodara
Gold rate in Vijayawada	Silver rate in Vijayawada
Gold rate in Visakhapatnam	Silver rate in Visakhapatnam

Frequently Asked Questions (FAQs)

Why are Gold prices increasing?
The key reasons for increasing gold prices are increasing geopolitical tensions, trade tariffs, stock market volatility, increasing demand for gold, etc.
How can a weak INR impact the gold price?
A weak INR can significantly rise the gold prices as India primarily imports gold, and weaken rupee will increase the importing cost of gold.
Can the gold price fall in the near future?
Yes, gold prices might see some correction in the short-run because of profit booking.
What are best method to invest in gold?
The best method to invest in gold is digital gold, which includes gold mutual funds, gold ETFs, SGBs, etc.
How can I invest in gold ETFs?
To invest in gold ETFs, one is required to have a demat and trading account, and it can be purchased during market hours on the exchange. One can easily open a lifetime free trading and demat account with Pocketful, as it also offers free brokerage on delivery trades.

January 29, 2026

10 Best Brokers for Mutual Funds

In the earlier times people used to rely on bank managers or local agents to buy mutual funds but times have changed now as digitization is taking place, in today’s time everybody is carrying a supercomputer in their pocket, and with just a few taps you can buy and become an investor.

Although access is no longer the problem, selecting the best app from dozens of apps to invest in mutual funds can be a challenge. Finding out the best place to invest in mutual funds is based on the charges, fees for features and even some hidden costs.

In this blog, we will analyse the best company to invest in mutual funds based on different factors. Whether you are a seasoned trader or a complete beginner, finding the best broker for mutual funds is the first step towards building your wealth. By the end of this blog you will get to know the best mutual fund brokers that can be aligned to your financial goals.

Direct Vs Regular Mutual funds plan

When you invest in mutual funds, you will notice two versions of the same scheme for example:

HDFC Top 100 Fund – Regular Plan
HDFC Top 100 Fund – Direct Plan

Here the investment is being done in the same funds with the same fund manager but there is one great difference that is The Expense Ratio.

Regular Plans: Here the fund is sold by various distributors like banks, agents, and some brokers. The mutual fund company gives these middlemen commission for selling the fund and this commission is deducted from your investment value every year.

Direct Plans: Here the funds are bought directly from the fund house or the mutual fund platforms. In this no middleman is involved meaning no commission is deducted.

Comparison Table for Best Brokers for Mutual Funds in India

Broker	Plan Type	Commission	Platform/Account Fees	AMC	Holding Format	Suitable For
Zerodha Coin	Direct	Rs.0	Free	Rs.300+GST/year	Demat	Active Traders who want stocks & MF in one place
Paytm Money	Direct	Rs.0	Free	Rs.0 (lifetime free)	Demat	Mobile first investors looking for zero costs
ET Money	Direct	Rs.0	Free (Genius is a paid plan)	Rs.0 (No Demat Required)	SOA	Investors who prefer “Statement of Account”
Kuvera	Direct	Rs.0	Free	Rs.0 (No Demat Required)	SOA	Long term goal based investors & family account
IND Money	Direct	Rs.0	Free	Rs.0	Demat	Investors tracking US stocks & Indian MFs together
Pocketful	Direct	Rs.0	Free	Rs.0	Demat	Users looking for a simple, zero-AMC Demat app
Angel One	Direct	Rs.0	Free	Rs.240+GST/year	Demat	Investors who already use Angel One for trading
5paisa	Direct	Rs.0	Free	Rs.300+GST/year	Demat	Existing 5 paisa traders
Fisdom	Direct	Rs.0	Free	Rs.299+GST/year (1st year free)	Demat	Investors comfortable with standard broker fee structure
Scripbox	Direct/Regular	Rs.0	Free for Regular, Paid for Direct	Rs.0 (No Demat required)	SOA	Beginners needing automated guidance (Regular Plan)

Top 10 Mutual Fund Brokers in India

1. Zerodha Coin

This is one of the biggest broking platforms in India and their Coin platform is specifically dedicated for sale and purchase of mutual funds. Unlike most of the other platforms that use the “Statement of Account” (SoA) mechanism, Zerodha holds your mutual fund units Demat form, meaning the mutual funds sit in the same account where your stocks and bonds are placed.

Key Features:

Unified Portfolio: One place to view all your investments may be stocks, gold bonds, ETFs, and mutual funds.

Pledging for Margin: If you are F&O investors you can pledge your mutual fund holdings to get the margin limit.

Step-Up SIP: Here you can automate your wealth building process by instructing the app to increase the SIP amount by 10% depending upon when you want to increase it.

Costs:

Commission: Rs.0 (Direct Plan)

Platform Fee: Rs.0

Demat AMC: Zerodha charges Rs.300 + GST per year as Annual Maintenance Charge (AMC) for the Demat account.

2. Paytm Money

This brought “Direct Mutual Fund” for the masses, their main focus was to remove the jargon from finance.

Paytm Money operates as a registered Investment Advisor (RIA) and offers the public an Execution Only Platform (EOP) services. Here the SoA model is used meaning Demat account is not required to start investing, although now they offer Demat for stocks.

Key Features:

Easy Entry: Paytm money pushed funds where investments as low as Rs.100 is accepted, making it friendly for students or first-time earners.
Portfolio Switch: If you have old mutual funds bought via a bank or agent (Regular plans), using Paytm Money can help you switch them to Direct Plans in just a few clicks, showing the exact amount of money you will save.
Voice Trading & Nudges: The app uses smart nudges to remind you of SIPs or alert if the fund rating is dropping.

Costs:

Commission: Rs.0 (Direct Plans)
Platform Fee: It is mostly free for mutual funds, though charges are there for brokerage of stocks.

3. ET Money

This is backed by the Times Group and has recently shifted its strategy from a transaction based app to a wealth management platform.

Earlier it was a free platform but now new users have to take the subscription for the premium model known as “ET Money Genius”.

Key Features:

Genius: This is the premium model where you not only get to know which fund you need to buy but also when you need to buy or sell. Here your money moves dynamically between equity, debt, and gold based on market valuations. It also helps you during the market downturn.

Portfolio Health Check: It is an analytical tool, scans your external portfolio and provides a report card highlighting high fees, poor diversification, or underperforming funds.

The “Free” Caveat: New users can access the Direct plans if they have the Genius membership or come with some restrictions. Free users get to access the Regular plans that have limited features.

Costs:

Commission: Rs.0
Fees: Rs.0 for mutual fund investing

4. Kuvera

Kuvera is a self using platform where you do things yourself, due to this it has zero conflict of interest and has built features that genuinely help the investors.

Kuvera has been recently acquired by CRED, but still it follows its core philosophy by providing Direct Plans only with zero commission fees and high end features for free.

Key Features:

Tax Harvesting: This is a feature that is specially created for High Net Worth Individuals (HNIs). The platform has an algorithm that alerts you to sell and rebuy your funds to utilise the Rs.1.25 lakh Long Term Capital Gains tax exemption, helping you to save the substantial taxes over decades.

Family Account: You get a family account in this where you can manage your account, your spouse’s, and even your parents account all under one login.

Trade Smart: It gives you the warning if a redemption will trigger an exit load or short-term capital gains tax.

Costs:

Commission: Rs.0
Fees: Rs.0 for mutual fund investing

5. 5paisa

5paisa is a discount broker which caters to the value conscious trader and investors. This platform charges a flat fee for trading services and a zero commission for mutual funds services.

Key Features:

All in One App: In this mutual funds are heavily integrated with stocks, commodities, and currency trading.

Research & Advisory: 5paisa helps the traders by recommending them stocks and funds.

Auto-Investor: This platform offers investors a robo-advisory tool that can help in building your portfolio according to the risk and goals of your profile.

Cost: Commission: Rs.0 on Direct Mutual Funds

Trading: A flat fee is charged for stock orders, that can be further less if you prefer the “Power Investor” packs.

6. Angel One

Angel One was a traditional broker earlier known as Angel Broking, has transitioned now by introducing digitization and becoming a digital fintech giant.

It has a low cost being a digital broker with an assurance of a massive offline network.

Key Features:

ARQ Prime: This is a secure search engine tool where quantitative analysis (rule-based investing) is done recommending funds and stocks that can be bought by the investors.
Offline Presence: It has thousands of offline brokers across India, if the user faces any issue you can connect with these offline brokers.
Smart API: If you are a tech savvy user, this platform offers robust APIs to build custom investment platforms.

Cost:

Commission: Rs.0 on Direct Mutual Funds

7. Pocketful

This is a rising star in the fintech space where aggressive targeting is done on things like cost and usability.

Pocketful is a modern day platform which helps in creating a tech savvy financial ecosystem for the investors. While most of the brokers focus only on the transaction, Pocketful focuses on the cost of holding and ease of selection.

Key Features:

Lifetime Zero AMC: Most of the brokers charge Rs.300-Rs.700 per year as the annual maintenance charge but Pocketful removes this entirely.
Thematic “Pockets”: This platform offers a curated basket of stocks and ETFs known as “Pockets” (E.g.: Green Energy, EV, Digital India). Investors can start their SIP via “Pocket” just like the mutual funds.
Direct Mutual Funds: Investors can execute Direct Mutual Funds without paying any commission.
TradingView Integration: For investors who rely on data and charts, Pocketful helps in providing it with integrated premium charting tools.

Costs:

Commission: Rs.0 on Mutual Funds
AMC: Rs.0 (Lifetime Free)
Delivery Brokerage: Rs.0 for stocks

8. IND Money

This was introduced in the market as a portfolio tracker and with time it has evolved as a “Super Finance App”.

It behaves like Google for your finances as it can track your credit card bills, EPF, PPF, insurance, and investments all in one dashboard.

Key Features:

US Stocks: IND Money helps the investor with not only the domestic market but also the US markets where you can easily invest in stocks like Apple, Tesla, Microsoft etc. Here you can even manage both the stocks in the same platform.
Family Office: It helps in tracking the family’s net worth across multiple platforms and brokers and gives you an auto update email to update your portfolio (though you need to give privacy permission).
Switch to Direct: By this feature you can switch your regular plans to direct plans helping you to save on commissions.

Costs:

Commission: Rs.0 on mutual funds.
US Trading: Charges are applied as per forex transfer and US brokerage.

9. Fisdom

This is a platform that is less linked directly to the consumer brand and acts more like a Bank Partner. This platform is the power house for investment sections of many major banks like Indian Bank, UCO Bank, etc.

Key Features:

Bank Integration: If you are investing using this platform, it often acts as an extension of your savings account.
Pension Products: There is a strong focus on NPS (National Pension System) and retirement planning.
Higher Touch: There is an intense focus on “solution-oriented” advice such as Children’s Education funds rather than giving users multiple schemes.

Costs:

Commission: Rs.0
Fees: Rs.0 for mutual fund investing

10. Scripbox

This is one of India’s first Robo-Advisors for the investors, here it focuses on lowering down the choices and giving users a more accurate product as per their financial plans.

Here the users can add filters of their own choice and rather than showing you thousands of funds it selects a basket of 2-4 funds for the investors.

Key Features:

Algorithmic Selection: Here you get a “Scripbox Portfolio” where you can pick your goal like “Long Term Wealth” or “Emergency Fund” and accordingly this platform will curate a basket for your needs.
Automated Review: The platform reviews your portfolio and if there are underperforming funds you get the advice to either exit or switch to a better option.

Costs:

Hybrid Model: Regular plans investing is free of cost, although if you want to invest in Direct Plans, you need to have a subscription or advisory fee charged.

Key Factors to Select the Best Broker for Mutual Funds Investing

Costs and Fees: Always look for the fees and charges like AMC, brokerage, etc, as this in the long term can eat up your profits.
Options: Look what you want to invest in, is it just the mutual funds or stocks or global stocks or you want an all in one app.
Ease of Use and Accessibility: The app should have a good interface with easy tracking and order placing. One such app is pocketful that is one of the best user friendly apps for new investors.
Research and Analysis: If you are into data and analytics you need to look for an app that helps you with R&D on your behalf.

Read Also: Best Mobile Trading Apps in India

Conclusion

The Indian mutual fund market is evolving and now you don’t have to pay 1% commission to a bank agent. If you are a trader who wants to pledge mutual funds for margin then an app like Zerodha Coin can be helpful. If you are looking for a very low cost platform for a diversified portfolio (Stocks + Mutual Funds) even without paying extra charges and AMC then Pocketful can be a reliable option. Start investing today, complete your KYC, and start investing.

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Frequently Asked Questions (FAQs)

Can an investor have multiple accounts with multiple brokers?
Yes, you can have multiple accounts for stocks you can rely on Zerodha, Kuvera for mutual funds and for ease of tracking and everything at one place then Pocketful is a trusted option.
Is it safe to invest through online platforms like Pocketful or Paytm Money?
Yes, these apps are SEBI-registered and your units are safely put with the mutual fund company or in your Demat account (CDSL/NSDL).
Is it advantageous to have a “Zero AMC” charging platform?
Most of the brokers charge Annual Maintenance Charge (AMC) which can collectively lower down your accumulated profits. But platforms like Pocketful help users to trade without any AMC.
Can I switch from a Regular Plan to a Direct Plan?
Yes, most of the apps have a “Switch” feature where you can directly switch to the direct plan.
Why do some apps charge a subscription fee for Direct Plans?
Platforms like ET Money (Genius) or Scripbox act as wealth managers. They charge a fee not for the transaction (which is free) but for the recommended services.

January 29, 2026

List of Best Sensex ETFs in India

Imagine you have been to a famous restaurant and you want to taste the best food that they have. Buying every dish individually will be expensive but what if you can order a “Thali”, one large plate with a small portion of the best 30 dishes in the restaurant. You get full experience with multiple things in one plate.

Investing in the Indian stock market is exactly like that. Picking individual stocks can be risky and confusing for some investors. This is where the Sensex steps in as it is a collection of the top 30 largest and most financially strong companies in India. But how can an investor invest in all of these companies at once? The solution to this is the Sensex ETF.

As we settle into 2026, Sensex ETFs are becoming incredibly popular. It is because they are simple, low-cost, and perfect for anyone who believes in the Indian economy but doesn’t have the time to track daily markets. Whether you are a student or a retired professional, this sensex etf list is the perfect starting point for your investment journey.

In this blog, we will help you find the best sensex etf for your goals. We will explain how they work, compare the best sensex index fund options against ETFs, and guide you through the landscape of sensex etf india. By the end of this blog, you will have a clear answer on where to put your money.

What is a Sensex ETF?

ETF stands for Exchange Traded Fund. A Sensex ETF is a fund that pools money from many investors to buy stocks. Specifically, it buys the 30 stocks that make up the BSE Sensex index. It buys them in the exact same proportion. If Reliance Industries is 10% of the Sensex, the ETF puts 10% of your money into Reliance.

How is it different from a Sensex Index Fund?

While both invest in the same companies, they trade differently:

Trading: You can buy and sell a Sensex ETF anytime during market hours (9:15 AM to 3:30 PM), just like a regular share. An Index Fund is bought or sold only at the end of the day.
Price: ETF prices change every second. Index Fund prices are fixed once a day.
Cost: ETFs usually have slightly lower fees (Expense Ratio) than Index Funds.

If you want the flexibility to buy and sell instantly, a Sensex ETF is often the better choice.

10 Best Sensex ETFs in India in 2026

ETF Name	Best For	AUM	Expense Ratio
UTI BSE Sensex ETF	Stability & Size	Rs.55,029 Cr.	0.05%
Nippon India ETF BSE Sensex	High Liquidity	Rs.23,014 Cr.	0.04%
ICICI Prudential BSE Sensex ETF	Low Cost	Rs.26,003 Cr.	0.02% – 0.03%
HDFC S&P BSE Sensex ETF	Brand Trust	Rs.543 Cr.	0.05%
Aditya Birla Sun Life BSE Sensex ETF	Long-Term Consistency	Rs.295 Cr.	0.04%
Nippon India ETF S&P BSE Sensex Next 50	Higher Growth Potential	Rs.117 Cr.	0.23
Axis S&P BSE Sensex ETF	Simple Investing	Rs.139 Cr.	0.04%
Kotak S&P BSE Sensex ETF	Pricing Accuracy	Rs.26 cr.	0.18%
Mirae Asset S&P BSE Sensex ETF	Cost Efficiency	Rs.21 Cr.	0.05%
DSP BSE Sensex ETF	Disciplined Tracking	Rs.9 Cr.	0.08%

(Data as of 15 Jan,2026)

Read Also: Best Index ETFs in India

Overview of Sensex ETFs in India

1. UTI BSE Sensex ETF

UTI BSE Sensex ETF is one of the oldest and largest ETFs in India. Because it manages so much money (Assets Under Management), it is very stable. For you, this means it is easy to buy and sell without worrying about price fluctuations caused by a lack of buyers. It is a classic “safe” choice for long-term investors.

1 Year Return	3 Year Return	5 Year Return
10.29%	45.13%	76.30%

(Data as of 15 Jan,2026)

2. Nippon India ETF BSE Sensex

Formerly known as Reliance ETF, this fund is a leader in terms of trading volume. High volume is great because it ensures “liquidity.” This means there are always enough buyers and sellers in the market, so you can enter or exit your investment instantly at a fair price.

1 Year Return	3 Year Return	5 Year Return
9.66%	13.19%	12.39%

(Data as of 15 Jan,2026)

3. ICICI Prudential BSE Sensex ETF

ICICI Prudential is a massive name in the mutual fund industry. Their Sensex ETF is known for its low cost. The fund managers are very efficient at tracking the Sensex, meaning the returns you get are almost exactly what the Sensex delivers. It is a favorite for cost-conscious investors.

1 Year Return	3 Year Return	5 Year Return
10.80%	45.35%	81.72%

(Data as of 15 Jan,2026)

4. HDFC S&P BSE Sensex ETF

If you prefer sticking to trusted brands, this is a strong contender. The HDFC Sensex ETF is known for minimizing “tracking error”, the tiny difference between the fund’s return and the actual market return. It is a reliable, no-nonsense option for your portfolio.

1 Year Return	3 Year Return	5 Year Return
10.05%	43.77%	-81.98%

(Data as of 15 Jan,2026)

5. Aditya Birla Sun Life BSE Sensex ETF

Aditya Birla Sun Life follows a strict process to ensure their ETF mirrors the Sensex perfectly. It may not always have the highest trading volume, but it is a solid, dependable performer for anyone looking to invest for 5-10 years. In this fund you need to be a little consistent to generate profit out of it.

1 Year Return	3 Year Return	5 Year Return
9.89%	44.20%	78.02%

(Data as of 15 Jan,2026)

6. Nippon India ETF S&P BSE Sensex Next 50

This one is slightly different, while the others track the top 30 companies, this ETF tracks the Next 50 largest companies. Think of these as the “future leaders” although they are slightly riskier but have the potential to grow faster than the top 30. This is great for adding a little growth boost to your portfolio.

1 Year Return	3 Year Return	5 Year Return
12.98%	21.88%	18.21%

(Data as of 15 Jan,2026)

7. Axis S&P BSE Sensex ETF

Axis Mutual Fund focuses on quality and simplicity. Their ETF is designed to be straightforward. While it is smaller than the top three, it is backed by the strong processes of Axis. It is a good choice if you already have investments with Axis and want to keep everything in one place.

1 Year Return	3 Year Return	5 Year Return
9.83%	43.59%	78.02%

(Data as of 15 Jan,2026)

8. Kotak S&P BSE Sensex ETF

Kotak is a heavyweight in the financial world. One big advantage of this ETF is the strong “market making.” This ensures that the price you see on your screen is very close to the actual value of the stocks held by the fund. It reduces the risk of paying too much when you buy.

1 Year Return	3 Year Return	5 Year Return
9.83%	43.59%	78.02%

(Data as of 15 Jan,2026)

9. Mirae Asset S&P BSE Sensex ETF

Mirae Asset has made a name for itself by offering high-quality funds at very low costs. This ETF is newer compared to giants like UTI, but it has grown fast because it is efficient and wallet-friendly. It is a great pick if you want to save every penny on fees.

1 Year Return	3 Year Return	5 Year Return
9.80%	43.59%	78.02%

(Data as of 15 Jan,2026)

10. DSP BSE Sensex ETF

DSP is known for transparency as their Sensex ETF behaves like a disciplined fund that aims to stay fully invested, ensuring you don’t miss out on any market rallies. It is ideal for investors who value a clean, process-driven approach to wealth creation.

1 Year Return	3 Year Return	5 Year Return
9.26%	43.59%	78.02%

(Data as of 15 Jan,2026)

Who Should Invest in Sensex ETFs?

Beginner: If you are a beginner and have a little less knowledge about financially analysing the company or have difficulty in analysing the balance sheet of the company, you don’t have to worry as this ETF will do it for you.
Long-term Investor: If you want to invest and build wealth over 10 or 20 years for your future goals like retirement or your child’s education, this can be one of the safest equity options to put your money in.
You prefer SIPs: If you want to invest and don’t want to pool in money in one go rather you want to put a small amount every month then these ETFs are a perfect choice.
Conservative Investors: If you are looking to get stock market returns but you are even concerned about the high risks of the market then Sensex (Top 30 companies) is safer than buying small, unknown stocks.

Read Also: Best Commodity ETFs in India

Risks Associated with Sensex ETFs

Even the best financial investments come with risk associated with it, let’s look at the risks associated with Sensex ETFs.

Market Risk: Market has a direct correlation with the Sensex because, if the Sensex goes down, your ETF value goes down. You cannot avoid this, you just have to wait for the market to recover.
Tracking Error: It can sometimes happen, the ETF returns might be slightly lower than the actual Sensex return due to fees. In good ETFs, this gap is very small.
Liquidity Risk: If you try to sell your ETF during a market crash, you might struggle to find a buyer at the exact price you want as the liquidity is low during this time. Although this is rare for top ETFs like Nippon or UTI.
Volatility: Since prices change every second, seeing your portfolio turn red during the day can be stressful, to grow wealth from these ETFs you need patience.

How to Invest in Sensex ETFs in India?

Investing in the world full of technology is hassle free, if you want to invest you can do the following steps:

Open a Demat Account: To invest in ETFs you need to have a Demat account.
Choose a Broker: For buying and selling you need a platform and for this you can rely on Pocketful (https://www.pocketful.in/) as it gives you a modern design and easy navigation throughout the platform. Pocketful also offers zero brokerage on equity delivery. Since you are likely buying these ETFs for the long term, you save money on every transaction.
Search & Buy: Login to your trading platform, look for the ETF that you want to buy (e.g., “Nippon Sensex ETF”), and click buy.
SIP vs Lump Sum: In Systematic Investment Plan (SIP), it is best suitable for salaried people, where you can buy 1 or 2 units every month. And in Lump Sum it is best suitable for investors who have a bonus amount to invest in and the market is also in its downturn.

Best Time to Invest: There is no right time to invest as the market stays unpredictable. The best strategy is to invest as soon as possible and stay invested for a long term.

Conclusion

A Sensex ETF is a powerful tool to make investors financially free. It is simple, transparent, and lets you own a piece of India’s biggest companies with very little money.

You don’t need to be an expert to make money here. Whether you choose the massive UTI ETF or the highly liquid Nippon ETF, the most important thing is to start. Use a reliable and low-cost platform like Pocketful to keep your costs down, stay disciplined with your investments, and let the Indian economy grow your wealth over the next decade.

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6	Best Bond ETFs in India
7	Top 10 Smart Beta ETFs in India
8	Best Liquid ETFs in India
9	Best ETFs in India to Invest
10	Types of ETFs in India: Find the Best for Your Investment

Frequently Asked Questions (FAQs)

What is the minimum amount to invest?
You can buy just 1 unit and if the ETF price is Rs.800, that is all you need to start.
Do I need a Demat account?
Yes, ETFs trade on the stock exchange like shares, so a Demat account is mandatory.
Is it safe to invest in Sensex ETFs?
It is safer than picking one single stock because you are diversified across 30 companies. However, during a falling market scenario the value of the portfolio will also fall.
Can I sell my Sensex ETFs anytime in the market?
Yes, you can sell these ETFs in the market but only during the market hours (09:15 AM to 3:30 PM).
How are Sensex ETFs taxed?
If you sell after holding for more than 1 year, profits above Rs.1.25 Lakh are taxed at 12.5% (Long Term Capital Gains). If you sell within 1 year, you pay 20% tax on profits.

January 29, 2026

Top General Insurance Companies in India

General insurance is something most of us do not think about until we need it. It is like a sudden hospital bill, a car accident, or unexpected damage at home. That is when having the right insurance company makes a difference. With so many insurers in India, from public sector names to new companies, it can get a little confusing to figure out which one fits your needs.

In this blog, we will go through the top general insurance companies in India, share a bit about their story.

What is General Insurance

General insurance is basically a safety net that protects you from sudden expenses when life throws unexpected problems your way, things like illnesses, accidents, or damage to your car or home. It covers almost everything except life insurance. Types of General Insurance are as follows;

Health Insurance, motor Insurance (car & bike), home Insurance, travel Insurance, personal Accident Insurance, business/commercial Insurance.

Industry Overview

The general insurance industry in India is growing fast. In FY24 alone, non-life insurers collected 19.5% more premiums than the previous year, mostly because people bought more health and motor insurance.
Out of India’s total insurance penetration, general insurance still makes up only 0.9% of GDP, which means there is huge room for growth in the coming years.
The non-life sector continues to expand. In FY25, general insurers together wrote over ₹3.08 lakh crore in premiums, which is a good year-on-year increase.
As of FY24 (till December), India’s general insurance market size touched ₹2.21 lakh crore, showing just how large this segment has become.
Private general insurers are gaining more ground. Their market share has climbed to 65.4% in FY25, and analysts expect that number to hit 70% by FY27.
Crop insurance is also becoming a major segment. The crop insurance market is expected to grow steadily, reaching ₹70,000 crore by FY2032.
Motor insurance, one of the biggest parts of general insurance, is set to grow at over 10% CAGR, going from ₹1.12 lakh crore in 2025 to ₹1.83 lakh crore in 2030.
Even newer categories like mobile phone insurance are rapidly expanding. This segment alone is expected to jump from ₹17,000+ crore in 2024 to nearly ₹58,000 crore by 2033.

List of Top 10 General Insurance Companies

1. New India Assurance

New India Assurance began its journey in 1919 when Sir Dorabji Tata founded it in Mumbai. What started as a small initiative slowly grew into one of India’s most trusted general insurance companies. After nationalisation in 1973, it expanded rapidly across India and even overseas

2. United India Insurance

United India Insurance started in Chennai in 1938. After nationalisation in 1972, it merged with several smaller insurers and became one of the major public-sector companies in India. Over the decades, it has built a good reputation for serving people across cities, towns, and rural areas, especially in motor, health, and social insurance schemes.

3. Bajaj Allianz General Insurance

Bajaj Allianz came into existence in 2001 as a joint venture between Bajaj Finserv and Allianz, a global insurance leader. It grew fast and became a household name in non-life insurance. The company is especially known for quick claims and friendly customer service across motor, health, and travel insurance.

4. ICICI Lombard General Insurance

In 2001, ICICI Lombard was established as a venture between ICICI Bank and a foreign insurance partner. It soon became one of the best-known private general insurers in India due to its straightforward products, services that were easy to access digitally and customer-centric approach. It is currently a motor, health, travel, and home insurance provider.

5. Aditya Birla General Insurance

Aditya Birla General Insurance comes from the well-known Aditya Birla Group. Although it officially entered the insurance space in the early 2000s, it has built its presence by offering easy-to-understand plans for travel, health, motor, and business. The company focuses on simple products and helpful service.

6. Bharti AXA General Insurance

Bharti AXA started in 2008 as a joint venture between India’s Bharti Group and AXA, a global insurance company. The company’s domestic reach and international expertise helped it grow quickly. It provides insurance for cars, health, travel, and property, and over the years, it has become known for its technology-based services.

7. Cholamandalam MS General Insurance

Cholamandalam MS is a joint venture between the Murugappa Group from India and Mitsui Sumitomo from Japan. The company brings together Indian market experience and global insurance knowledge. Over time, it has built a strong presence in motor, health, property, engineering, and rural insurance. It focuses on making insurance simple and reliable for individuals, families, and businesses, especially in smaller towns and industrial areas.

8. Digit General Insurance

Digit Insurance is a relatively new company in the general insurance space, launched in 2016 with the backing of the Fairfax Group. The process is simple and easy to use, from buying a policy to making a claim; everything is designed to be quick and fully digital. Digit covers motor, health, home, and even business insurance.

9. IFFCO Tokio

IFFCO Tokio started in 2000 as a collaboration between Indian cooperative giant IFFCO and Japan’s Tokio Marine. With strong rural roots, the company has always been focused on serving everyday households as well as farmers and small businesses. It offers health, motor, home, and commercial insurance, and is known for its customer-friendly service.

10. Future Generali India Insurance

Future Generali was formed in 2007 through a partnership between Future Group in India and Generali from Italy. This mix of local retail understanding and global insurance expertise helped the company grow quickly. It offers a wide range of products, from motor and health to commercial and rural insurance.

How to Choose the Right GI Company

1. Check How Well They Handle Claims (Claim-Settlement Ratio)

Problems often knock on the door without informing, like an accident or a sudden hospital bill, you want an insurance company that supports you instead of giving you the runaround.
Go for insurers known for quick, smooth claim settlements. It saves a lot of time and stress.

2. Look at Their Cashless Network

A wider cashless network (hospitals, garages, etc.) makes your life so much easier.
With cashless services, you do not pay upfront, you avoid paperwork, and things get sorted faster

3. Good Customer Support

During emergencies, you do not want to deal with slow responses or bots. A reliable insurer should offer:

24/7 support
Fast responses
A helpful mobile app

4. Check the Add-Ons They Offer

Add-ons can make your policy much stronger. For example, zero depreciation for cars, and room rent relaxation in health insurance. Pick a company that offers add-ons that you need.

Conclusion

Peace of mind is what it comes down to at the end of the day when deciding on the right general insurance company. What you need is a company that will respond when you call, claim without fear, and be there when you need them most in cases of unforeseen situations. So, sit down and compare what you need, and go with the insurer that you feel comfortable with and can deal with. The correct decision today can save you the worry, time and money tomorrow.

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Frequently Asked Questions (FAQs)

How do I choose the right insurance company?
Consider claim settlement ratio, cashless network, customer reviews, and digital convenience.
What is a cashless claim?
A cashless claim lets you get treatment or repairs without paying upfront at network hospitals or garages.
What is the claim-settlement ratio?
It shows how many claims the insurer has settled compared to how many it received. The higher the better it is.
Can I buy general insurance online?
Yes, you can buy and claim your insurance online.
Do general insurance policies offer add-ons?
Yes, you can customise your policy with several add ons.

January 28, 2026

Best SWP for Monthly Income in India

After retirement, regular monthly inflows through salary came to an end. In this case, individuals are looking to start a new monthly income through different sources. One of such methods is the Systematic Withdrawal Plan offered by a mutual fund.

In today’s blog post, we will give you an overview of the best SWP for monthly income in India, along with the factors to consider before choosing a SWP plan.

What is a Systematic Withdrawal Plan?

Systematic Withdrawal Plan is an option offered by mutual funds which allows an investor to withdraw a fixed sum of money from a mutual fund scheme at a regular interval, such as monthly, quarterly, etc. It acts as a regular stream of income for a retiree; a certain sum of money is withdrawn, while the remaining amount continues to grow based on market returns. SWP does not guarantee income. Withdrawals continue regardless of market conditions, which can erode capital during prolonged downturns.

Key Features of Systematic Withdrawal Plan

The key features of a systematic withdrawal plan are as follows:

Regular Income: SWP allows an investor to withdraw a regular sum of money from their investments at regular intervals, such as monthly or quarterly.
Flexibility: Investors have the option to decide the amount of money which they wish to withdraw based on their needs.
Higher Returns: The amount invested in the fund continues to increase over time, and the returns are linked to the market.
Tax Efficient: Unlike other investment options, such as bank fixed deposits, etc., which are taxed based on the investor’s tax slab, gains from SWP are taxed as capital gain, which makes it a more efficient investment option.

Best Mutual Funds for SWP in 2026

ICICI Prudential Balanced Advantage Fund
Axis Equity Saving Fund
Kotak Multi Asset Allocation Fund
SBI Equity Hybrid Fund
ABSL Balanced Advantage Fund

Read Also: Best Annuity Plans in India

Overview of the Best SWP for Monthly Income in India for 2025

The overview of best SWP for monthly income in India for 2025 is as follows:

1. ICICI Prudential Balanced Advantage Fund

This fund uses an intelligent method of investing by switching dynamically between equity and debt according to market conditions. It lowers equity exposure to control risk when markets are high and it increases equity allocation to capture growth when valuations are lower. The approach does not only minimize volatility but also intends to increase long-term capital appreciation and thus it is well applicable to investors with a moderate risk appetite and long-term investment horizon.

2. Axis Equity Saving Fund

Axis Equity Saving Fund was introduced on 14 August 2015 and targets investors seeking a more conservative hybrid fund. It incorporates equity, debt, and arbitrage approach in order to seek consistent and relatively smooth returns which make it appropriate to new investors or seeking to diversify low volatility returns relative to pure equity funds. Through arbitrage opportunities and fixed-income investments, it aims at achieving a small capital growth with an balance risk profile between equity and debt.

3. Kotak Multi Asset Allocation Fund

It is a relatively new multi-asset fund in the hybrid category, having been introduced on 22 September 2023. Kotak Multi Asset Allocation Fund manages your money in equity, debt, and commodities (such as gold) so that you are diversified in one portfolio. Since it has significant exposure to various asset classes, it seeks to strike a balance between growth prospects and risk control, which makes it suitable to investors who desire widespread diversification and do not want to operate multiple funds individually.

4. SBI Equity Hybrid Fund

SBI Equity Hybrid Fund has a long history, having existed since December 1995, a fact that makes it one of the oldest hybrid mutual funds in India. It is a mix of equity and debt investments with a view to long term capital growth at reduced volatility compared to pure equity funds. The fund suits investors with a balanced portfolio strategy by investing most of their funds in growth stocks and some in fixed-income securities over the long-term and the medium-term.

5. ABSL Balanced Hybrid Fund

ABSL Balanced Hybrid Fund with its inception date in April 2000 and is also among the oldest hybrid mutual funds in India. It is a mix of equity and debt investments with a view to long term capital growth at reduced volatility compared to pure equity funds. The fund will suit investors looking to pursue a balanced portfolio strategy over the medium-to-long term by investing a greater percentage in growth stocks and a smaller percentage in fixed-income securities.

Funds	NAV (INR)	AUM (INR Cr.)	1 Yr CAGR Return	3 Yr CAGR Return	5 Yr CAGR Return	Expense Ratio
ICICI Prudential Balanced Advantage Fund	76.35	70,500	11.62%	13.10%	12.03%	1.43%
Axis Equity Savings Fund	22.43	925	5.50%	9.79%	8.15%	2.27%
Kotak Multi Asset Allocation Fund	16.14	9,850	29.83%	–	–	1.70%
SBI Equity Hybrid Fund	301.45	82,850	11.22%	13.75%	12.28%	1.38%
ABSL Balanced Advantage Fund	107.68	8,800	8.99%	12.35%	10.64%	1.76%

Benefits of SWP for Monthly Income in India

The key benefits of SWP for monthly income in India are as follows:

Regular Income : It provides a pre-defined monthly withdrawal cash flow, which makes it easy for an investor to manage their expenses.
Growth Potential : The withdrawals are made from the initial investment by the investors. However, the remaining amount left after the monthly withdrawal kept on increasing based on market returns over time.
Liquidity : SWPs also offer liquidity, as the remaining corpus can be withdrawn anytime by the investor.
No TDS : In SWPs, no taxes are deducted by the asset management at the source of income. All the gains are taxable based on the capital gain tax rate.

Risk of SWP for Monthly Income in India

The key risks of investing in SWP for monthly incomes in India are as follows:

Market Risk : The returns in SWP are linked with the market. If the market is underperforming, the funds will not perform well, and their value can decline for a particular period of time.
Interest Rate and Credit Risk : If you are investing in a debt fund for SWP, there might be risk related to interest rates and credit.
Capital Erosion : If the systematic withdrawals are not planned properly, then the initial capital will be eroded or exhausted over time.

Factors to consider before investing in SWP

The key factors that an investor should consider before investing in a SWP for monthly income are as follows:

Withdrawal Amount : The investor should withdraw a sustainable amount; if the withdrawal amount exceeds the average return of the fund, it will erode capital.
Frequency of Withdrawal : One should select the frequency of withdrawal based on their income needs. The frequency can vary from monthly, quarterly, half-yearly, etc.
Expense Ratio : If the fund is having a higher expense ratio, then it will reduce the overall return over time. Hence, one should select the fund which has a lower expense ratio.

Who should invest in SWP?

The SWP plan for monthly income is suitable for the following investors:

Retired Individuals : SWP for monthly income is suitable for retirees who are looking for a regular monthly income even after retirement.
Tax-Efficient Income Option : Investors who are looking for tax-efficient investment options can consider SWP, as they are taxed based on capital gain rules, instead of the tax slab of an individual.
Liquidity : Investment in SWP offers liquidity for an investor as they can withdraw the remaining corpus at anytime based on their need.

Conclusion

On a concluding note, a systematic withdrawal plan helps an individual in planning their retirement efficiently by allowing them to withdraw a fixed sum of money at a regular interval. There are various schemes in mutual funds from which you can withdraw money through SWP, but choosing the right fund depends on the investor’s risk profile and the requirement for money. A well-planned SWP helps an investor in planning their retirement efficiently without exhausting their capital. However, it is advisable to consult your investment advisor before choosing a fund for SWP withdrawals.

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Frequently Asked Questions (FAQs)

What is the full form of SWP in a mutual fund?
The full form of SWP is Systematic Withdrawal Plan, offered by mutual fund companies, through which one can withdraw a fixed sum of money at a regular interval.
How are SWPs taxed in India?
In India SWPs withdrawals are taxed as per capital gain, not based on the income tax slab of an individual.
Can I stop or change the amount of withdrawal from SWP?
Yes, you can stop or change the amount of withdrawal from SWP anytime.
Is it possible that the capital gets exhausted in an SWP?
Yes, if the monthly withdrawal amount is high and the market is not performing well, then in the longterm the capital gets exhausted.
Can I start SWP immediately after investing in a mutual fund?
Yes, you can start SWP immediately after investing in a mutual fund. However, it is advisable to initiate SWP after one year of investment to avoid short-term capital gain and exit loads, if any.

January 28, 2026

Best Commodities to Trade in India

The commodity markets of India have transformed into one of the most traded markets by retail traders. Commodities are no longer dominated by hedgers and institutional investors but by traders seeking volatility, diversification and more than equities.

You already know the reason behind commodities feeling different because you have ever observed how crude oil can swing in every direction within one day or how gold can respond immediately to news around the world. They are faster, sensitive to real-world events and reward preparation.

Here, we shall discuss the 10 best commodities to trade in India in 2026 and why they are important.

What is the Commodity Market?

Commodities can be defined as physical goods like metals, energy resources, or agricultural products that are traded via futures contracts. In India, this trading primarily happens on exchanges such as Multi Commodity Exchange of India and the National Commodity & Derivatives Exchange. Instead of buying physical gold or barrels of oil, traders speculate on price movements using standardised contracts. This allows traders to profit from both rising and falling markets, provided they manage risk well.

List of Commodities to Trade in India

1. Gold

Whenever inflation rises, currencies weaken, or geopolitical uncertainty increases, gold quietly attracts demand. Central bank buying and the cultural importance of gold in India add another layer of long-term support. For traders, gold offers high liquidity and predictable reactions to macro news. Many traders consider gold as a ‘safe haven’, something they fall back on when markets feel unstable.

2. Crude Oil

Crude oil is a naturally occurring fossil fuel found deep beneath the Earth’s surface, locked inside underground reservoirs that formed over millions of years. Once it is extracted, it is refined into the fuels we use every day: petrol that powers your car, diesel that keeps trucks moving, aviation fuel for flights, and petrochemicals that end up in plastics, cosmetics, medicines, and countless household products.

What makes crude oil especially interesting is how quickly prices react. A geopolitical headline from the Middle East, an unexpected OPEC announcement, a change in US inventory data, or even a tweet from a global leader can move prices within minutes. For example, a single news update about supply disruptions can cause oil prices to spike before markets even fully digest the details.

From a trading perspective, crude oil is best suited for those who are comfortable with sharp price swings.

3. Natural Gas

It is widely considered one of the safest fossil fuels, with significantly lower carbon emissions. Natural gas became a preferred fuel in manufacturing units and processing plants and played a key role in electricity generation through gas-fired boilers and power stations. Today, whether it is cooking a meal at home or powering a factory, natural gas remains an important source of energy consumption.

Demand spikes during extreme weather, while supply data and global LNG trends add to volatility. This makes it attractive to traders who enjoy sharp momentum plays. However, natural gas is not considered beginner-friendly.

4. Silver

Today, just over half of the world’s silver production comes from Mexico, Peru, China, and Australia. In everyday life, silver quietly powers much of modern technology, from smartphones and laptops to renewable energy systems. Because of its unique combination of properties, there is no substitute for silver. It has two demand drivers: investment demand (like gold) and industrial demand (electronics, solar, EVs). This nature makes silver more volatile, but also more rewarding for traders who can time the entries well.

5. Copper

In terms of global metal consumption, copper ranks third. Copper is also the best non-precious metal conductor of electricity. Its strength, flexibility, and resistance to corrosion allow it to be safely used in electrical wiring for homes, offices, and large infrastructure projects. Copper is currently produced in more than 25 countries.

When economies slow, copper usually predicts it early. For traders who prefer trend-following strategies, copper offers smooth directional moves and strong correlation with global growth cycles.

6. Aluminium

Aluminium is one of the most used metals in the world and the most common non-ferrous metal. In its pure form, aluminium is silvery white, lightweight, and highly ductile, which makes it easy to shape without losing strength. It makes up about 8% of the Earth’s solid surface. According to global estimates, the average person has around 80 kg of aluminium in use, embedded in cars, buildings, appliances, and electronic devices.

Aluminium supports major industries, such as automobiles, packaging, construction, and aviation. Its price movements are generally less volatile compared to other metals, making it a stable choice for traders who prefer steadier trends over wild swings.

7. Zinc

Zinc is one of the most widely used metals in the world. In its natural state, zinc is hard and brittle, but when heated to around 100-150 degrees Celsius, it becomes easy to shape. It also conducts heat and electricity well.

It occurs naturally in the Earth’s crust, making it a reliable industrial metal. It is used in automobiles, batteries, petroleum processing, paints, fungicides, rubber manufacturing, and a range of chemical applications, and plays a crucial role in galvanising steel and protecting infrastructure from corrosion. For traders who study sector-specific demand, zinc can offer predictable medium-term opportunities.

8. Cotton

Cotton has been part of human civilization for thousands of years, woven into everyday life in ways we often take for granted. At its heart, cotton is grown for its soft, natural fibre, still one of the most widely used textile fibres in the world. From the clothes we wear daily to bedsheets, towels, and uniforms, cotton remains a staple in global consumption.

Once the fibres are separated, the leftover seeds are put to work too. These seeds are crushed to produce cottonseed cake, a commonly used ingredient in livestock feed, and cottonseed oil, which is among the most widely consumed edible oils worldwide. In other words, very little of the cotton plant goes to waste.

Prices are influenced by monsoon patterns and crop yields, domestic consumption and exports. One unexpected weather event can shift the entire supply outlook. Many agri-commodity traders track weather reports as closely as price charts.

9. Soybean

Soybean (Glycine max), often referred to as the “Golden Bean,” is one of the world’s most important oilseed crops. After processing, soybeans become the largest source of protein-rich animal feed and the second-largest source of vegetable oil.

Its prices react to rainfall, the area of land data, global edible oil demand, and export trends. Soybeans work well for traders who are comfortable holding seasonal positions rather than day-trading every move.

10. Mentha Oil

Mentha, popularly known in India as Japanese pudina, is an aromatic herb valued for its strong, cooling fragrance. When the dried leaves of Mentha arvensis are processed through steam distillation and filtration, they produce mentha oil, a raw material that is further refined into menthol and other derivatives.

These derivatives are everywhere around us. From toothpaste and cough syrups to perfumes, mouth fresheners, and food flavourings.

Its prices are heavily influenced by crop yields, export demand, and local production trends because the market is smaller, moves can be sharp, rewarding traders who specialise and stay informed.

10 Best Commodities – Current Price

Commodity	Price	Unit
Gold	₹139,940	per 10 g
Silver	₹240,935	per kg
Crude Oil	₹5,216	per barrel
Natural Gas	₹306	per unit
Copper	₹1,317	per kg
Aluminium	₹324	per kg
Zinc	₹317	per kg
Mentha Oil	₹976.8	per kg
Cotton	₹26,535.60	29 mm
Soybean	₹5,198	per quintal

(Data as of 15th Jan, 2026)

5 Simple Steps to Invest in Commodities in India (2026) – via Pocketful

1. Open & Activate Your Trading Account

Start by opening a trading account with Pocketful. Make sure to activate the commodity trading option so you can trade on MCX. Complete your KYC and connect your bank account to begin.

2. Pick the Right Commodity

Choose what you want to trade – it could be Gold, Silver, Crude Oil, Natural Gas, or metals like Copper or Zinc. Go for something that matches how much risk you’re comfortable with and what you expect from the market.

3. Study the Market

Take some time to understand what’s happening in the market. Check supply and demand, global trends, and use charts or indicators to spot when to enter or exit a trade.

4. Place Your Trade

Decide if you’re trading just for the day (intraday) or planning to hold longer. Pick the contract month and place your buy or sell order based on your plan.

5. Manage Your Risk

Always use stop-loss orders to protect your money. Keep an eye on your margins, price changes, and exit the trade before it expires – this helps you avoid physical delivery.

Read Also: What is Commodity Market in India?

Conclusion

The trading of commodities in India is not only speculative, but it is also about learning how the real world influences the prices. Whether it is the stability of gold or the turmoil of crude oil and the dependence of cotton on rainfall, every commodity has a story to tell. The more familiar you are with that story, the more you are likely to trade it nicely.

When you approach commodities with discipline and preparation, it can be one of the most rewarding parts of your trading career.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	Understanding Commodity Market Analysis
2	What is the Timing for Commodity Market Trading?
3	Risks in Commodity Trading and How to Manage Them
4	5 Tips for Successful Commodity Trading
5	Stock Market vs Commodity Market

Frequently Asked Questions (FAQs)

On which exchanges are commodities traded in India?
Commodities in India are mainly traded on exchanges like MCX for metals and energy, and NCDEX for agricultural products.
Which commodity is best for beginners?
Gold is usually considered beginner-friendly because of its high liquidity and relatively stable price movements.
Is commodity trading risky?
Yes, commodities can be volatile. Prices usually react quickly to global news, weather, and supply disruptions, so risk management is essential.
What is the difference between commodity and stock trading?
Stocks represent ownership in companies, while commodities represent physical goods whose prices depend on supply.
Are commodities good for long-term investment?
Some commodities, like gold, can work well for diversification in the long-term, while others are better suited for short-term trading.

January 27, 2026

Best Cyclical Stocks in India 2026

India is a developing economy, and in the past few years, it has established itself as a key player in the world and has become the 4th largest economy in the world. And with this growth, there are various stocks which move in line with the economy of the country, such stocks are known as “Cyclical Stocks”.

In today’s blog post, we will give you an overview of the best cyclical stocks, along with the benefits and factors to be considered before investing in them.

What are cyclical stocks?

Cyclical stocks refer to the shares of those companies whose performance depends upon the economic cycle of a country. When the economy is in a growth phase, it tends to perform well, and whenever there is a condition of economic slowdown in the country, its performance also struggles. Because consumer spending tends to increase during economic growth and vice versa, so as the performance of cyclical stocks.

Top Cyclical Stocks to Buy in India

Shriram Finance Limited
Punjab National Bank Limited
ABB India Limited
Jindal Steel Limited
Shree Cement Limited
SRF Limited
The Phoenix Mills Limited
JK Cement Limited
Honeywell Automation India Limited
Tata Chemicals Limited

List of Top Cyclical Stocks in India

Company	Current Market Price (INR)	Market Capitalisation (in INR crore)	52-Week High	52-Week Low
Shriram Finance Limited	975	183508	1026	493
Punjab National Bank Limited	123	141248	128	85.5
ABB India Limited	5093	107925	6597	4590
Jindal Steel Limited	1010	103060	1098	723
Shree Cement Limited	26950	97238	32508	24811
SRF Limited	3023	89615	3325	2484
The Phoenix Mills Limited	1904	68094	1965	1402
JK Cement Limited	5718	44182	7566	4219
Honeywell Automation India Limited	33500	29614	42100	31025
Tata Chemicals Limited	747	19029	1027	742

(As of 9th Jan 2026)

Read Also: Best Growth Stocks in India

Overview of Best Cyclical Stocks to Buy in India

1. Shriram Finance Limited

Shriram Finance Limited was incorporated in 1974, and started its working by focusing on financing commercial vehicle segments. However, over time, the company has expanded into various services, including insurance, asset management, and housing finance. In April, Shriram Transport Finance merged with Shriram City Union to form Shriram Finance Limited. It has a strong network presence in semi-urban and rural areas. The company’s headquarters is situated in Mumbai.

1-Year Return	3-Year Return	5-Year Return
84.44%	279.33%	300.42%

(As of 9th Jan 2026)

2. Punjab National Bank

Punjab National Bank In 1894, Lala Lajpat Rai, the Indian freedom fighter, founded the bank in Lahore, Pakistan. After independence, the bank’s headquarters were shifted to New Delhi. Later in 1969, the bank was nationalised along with 13 other banks. In 2020, it amalgamated with the United Bank of India and Oriental Bank of Commerce. The company is successfully catering for the needs of MSMEs, retail investors, and big companies.

1-Year Return	3-Year Return	5-Year Return
34.10%	124.88%	245.28%

(As of 9th Jan 2026)

3. ABB India Limited

ABB India Limited was founded in 1949 with the name Hindustan Electric Company Limited. However, the company was later renamed Hindustan Brown Boveri Limited in 1965. In 2013, the company was finally changed to ABB India Limited. The company issued its IPO in 1992. The company mainly deals with electrification, motion, robotics, etc, which is capital-intensive. It is headquartered in Karnataka.

1-Year Return	3-Year Return	5-Year Return
-19.08%	71.19%	286.75%

(As of 9th Jan 2026)

4. Jindal Steel Limited

Jindal Steel Limited one of the major steel companies in India and a subsidiary of the Jindal group. O.P. Jindal established the company in 1979. The company produces and markets a variety of steel products, which also include steel, rails, coils, etc. Manufacturing facilities of the company are situated at various locations in other cities of India, i.e., Chhattisgarh, Odisha, Jharkhand, etc. The headquarters of the company is located in New Delhi.

1-Year Return	3-Year Return	5-Year Return
18.50%	70.74%	247.51%

(As of 9th Jan 2026)

5. Shree Cement Limited

In 1979, the Bangur family established Shree Cement in Ajmer. The company established its first manufacturing unit in Rajasthan. The company expanded both its geographic reach and its cement manufacturing capacity to meet the demands of the Indian infrastructure sector. In 2010, the company became the top cement manufacturer in India’s Northern Region. The company then established production plants in West Bengal, Bihar, Odisha, Jharkhand, and other parts of India. By acquiring Union Cement in 2018, the company began operations in the United Arab Emirates. The company has its headquarters in Kolkata.

1-Year Return	3-Year Return	5-Year Return
11.06%	14.16%	11.34%

(As of 9th Jan 2026)

6. SRF Limited

The company was incorporated in 1970, and initially was known as Shri Ram Fibres Limited and focused on nylon tyres and cord fabric. In the early 2000s, the company shifted its focus to chemicals and packaging films. Now SRF is serving various industries such as refrigeration, pharmaceuticals, agrochemicals, etc. The company directly benefits from manufacturing growth and chemical usage in different sectors. The headquarters of the company is situated in Gurugram.

1-Year Return	3-Year Return	5-Year Return
21.13%	37.51%	151.48%

(As of 9th Jan 2026)

7. The Phoenix Mills Limited

The Phoenix Mills Limited company was founded in 1905, and initially it was established as a textile manufacturing unit. Later in the 1990’s the company completely exited the textile industry and entered into real estate development. Over time, it has expanded its footprint into various cities such as Bengaluru, Lucknow, Chennai, Pune, etc., offering real-estate solutions like retail offices, residences. The company’s head office is situated in Mumbai.

1-Year Return	3-Year Return	5-Year Return
21.41%	158.67%	368.36%

(As of 9th Jan 2026)

8. JK Cement Limited

JK Cement was founded in 1975, and its manufacturing plant was established in Rajasthan with a capacity of around 0.3 tonnes per annum. Over time, it has become one of India’s leading cement suppliers, both in the grey and white cement segments. Later, the company established various manufacturing plants across the country. It offers products like cement, wall putty, chemicals, and other building-related materials. The company’s head office is situated in Kanpur, whereas its corporate office is situated in Gurugram.

1-Year Return	3-Year Return	5-Year Return
31.47%	97.40%	154.16%

(As of 9th Jan 2026)

9. Honeywell Automation India Limited

Honeywell Automation India Limited company initially came into existence as a joint venture between the Tata group and Honeywell International under the name Tata Process Control Private Limited. The company was later renamed to Tata Honeywell Limited. Following the acquisition of most of the company shares by Honeywell International Incorporated in the year 2004, it was renamed Honeywell Automation India Limited. The company offers a wide variety of products, such as automation and control systems to be used in industrial, commercial, and residential applications. The headquarters of the company is located in Pune.

1-Year Return	3-Year Return	5-Year Return
-16.76%	-15.74%	-18.57%

(As of 9th Jan 2026)

10. Tata Chemicals Limited

Tata Chemicals Limited company was founded in 1939, and began its operation by establishing a soda ash plant. It has acquired many domestic and international companies to strengthen its market position. It started focusing on specialty products, consumer-facing brands. Currently, it has manufacturing units in different countries such as Europe, North America, Africa, etc. The company’s headquarters is situated in Mumbai.

1-Year Return	3-Year Return	5-Year Return
-19.76%	-21.74%	39.46%

(As of 9th Jan 2026)

Read Also: Best Consumption Stocks in India

Key Performance Indicators (KPIs)

The key performance indicators of the best cyclical stocks to buy in India are as follows:

Company	ROE (%)	ROCE (%)	Operating Profit Margin (%)	Net Profit Margin (%)
Shriram Finance Limited	16.91	17.30	70.28	22.86
Punjab National Bank Limited	14.80	1.49	29.18	14.06
ABB India Limited	26.45	35.54	20.75	15.35
Jindal Steel and Power Limited	5.95	9.94	13.85	5.73
Shree Cement Limited	5.21	6.67	7.86	5.82
SRF Limited	10.96	13.89	17.10	10.80
The Phoenix Mills Limited	9.42	10.36	52.06	34.12
JK Cement Limited	14.14	12.51	13.45	7.33
Honeywell Automation India Limited	12.96	17.17	17	12.49
Tata Chemicals Limited	1.08	3.33	7.08	1.56

(Data as of 31st March 2025)

Benefits of Investing in Cyclical Stocks

The key benefits of investing in cyclical stocks are as follows:

High Returns: Cyclical stocks directly benefit from a country’s economic growth, as consumer spending increases during the economic growth cycle. This will lead to an increasing stock price.
Valuation: When the economy of a country struggles, cyclical stocks also tend not to perform during such conditions, hence it can be a value buy during an economic downturn.
Diversification: One can easily diversify their stock portfolio by investing in cyclical stocks, which can increase overall portfolio return during the growth phase of the economy.

Factors to Consider Before Investing in Cyclical Stocks

The key factors to consider before investing in cyclical stocks are as follows:

Economy Stage: One must understand the economy phase and invest accordingly. Investments in cyclical stocks are suggested during the economic growth phase.
Financial Performance: Analysing the financial performance of the cyclical stocks before investing is advisable. One must invest in cyclical stocks of companies which have strong growth potential and strong balance sheets.
Government Regulations: Cyclical stocks are sometimes affected by the changes in government policies related to import, export, etc. Hence, favourable policies help cyclical stocks in the long run.

Read Also: Best Manufacturing Stocks in India

Future of Cyclical Stocks

The future of cyclical stocks looks very promising because of increasing demand in the consumption sector and increasing consumer spending. This sector is expected to grow at an average CAGR of 6-7% in the coming years. There are various initiatives by the Indian Government which will lead to an increase in the demand for cyclical stocks, such as PLI schemes and Make in India initiatives. Hence, one can invest in cyclical stocks to create wealth in the long run. To invest in cyclical stocks, you can open a lifetime free demat and trading account with Pocketful, as it also offers free brokerage on delivery trades.

Conclusion

To sum up, cyclical stocks are significant to the development of the Indian economy. These consist of the stocks of different industries such as banking, infrastructure, chemicals, etc. Increasing consumption, government spending etc is the major strength of such stocks. However, they can be volatile in the short term, but long term can lead to wealth generation. Before making any investment decision, however, it is advisable to consult your investment advisor.

Start your investing journey in cyclical stocks with Pocketful simple, seamless access to opportunities aligned with economic growth cycles.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	10 Most Undervalued Stocks in India
2	List of Best Monopoly Stocks in India
3	Top 10 Best Summer Stocks in India
4	List of Top 10 Blue Chip Stocks in India with Price
5	List Of Best Logistics Stocks in India
6	Best Copper Stocks in India
7	Best Jewelry Stocks in India
8	Best Metal Stocks in India
9	Best Semiconductor Stocks in India
10	Best Chemical Stocks in India

Frequently Asked Questions (FAQs)

What do cyclical stocks mean?
Cyclical stocks refer to the shares of the company whose performance solely depends on the economic condition of the country. These stocks tend to perform well during economic growth and underperform during economic downturns.
Which sectors in India are considered cyclical in India?
In India, cyclical stocks belong to different sectors such as financial services, metal, chemical, automobiles, infrastructure, cement, etc.
What are the risks involved while investing in cyclical stocks?
The key risks involved while investing in cyclical stocks are lower earnings during economic downturns, rising interest rates, and increasing input costs.
Which is the best time to invest in cyclical stocks?
One can consider investing in cyclical stocks during an economic downturn, as the valuations of cyclical stocks are lower.
How to invest in cyclical stocks?
One can invest in cyclical stocks by opening a lifetime free demat account with Pocketful, as it also offers free brokerage on delivery trades, along with mobile applications equipped with advanced trading tools.

January 27, 2026

Blog

Best Construction Stocks in India

What Are Construction Stocks?

Top 10 Construction Stocks in India

Overview of Top 10 Construction Stocks in India

1. Mahindra Lifespace Developers Ltd

2. Man Infraconstruction Ltd

3. PSP Projects Ltd

4. B L Kashyap and Sons Ltd

5. Vascon Engineers Ltd

6. Consolidated Construction Consortium Ltd

7. Modis Navnirman Ltd

8. Pansari Developers Ltd

9. Parsvnath Developers Ltd

10. RBM Infracon Ltd

Key Performance Indicators (KPIs)

How to Invest in Construction Stocks Using Pocketful

Step 1: Open an Account on Pocketful

Step 2: Research Construction Stocks

Step 3: Decide Your Investment Amount

Step 4: Place Your Order

Step 5: Track and Review Regularly

Who Should Invest in Construction Stocks

Pros of Investing in Construction Stocks

Cons of Investing in Construction Stocks

Conclusion

Frequently Asked Questions (FAQs)

What drives the performance of construction stocks in India?

Are construction stocks suitable for beginners?

How long should one hold construction stocks?

What are the key risks in construction stocks?

Can construction stocks be part of a diversified portfolio?

Future of Hedge Funds in India by 2030

Top Hedge Funds in India (Category III AIFs)

History of Hedge Funds

Understanding the Different Types of Hedge Funds

1. Equity Long-Short Funds

2. Arbitrage Funds

3. Global Macro Funds

4. Event-Driven Funds

Advantages of Hedge Funds in India

Risks of Hedge funds in India

How the Future Looks for 2030

Conclusion

Frequently Asked Questions (FAQs)

What does a Hedge Fund mean in simple terms?

What are the benefits of these funds compared to mutual funds?

How can I use a Hedge Fund in my investment plan?

Why is the year 2030 important for these funds?

Can I invest in a Hedge Fund with a small amount?

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

Union Budget 2026-27 Expectations

1. Income Tax Expectations: Focus on Middle-Class Relief

2. Old vs New Tax Regime: Policy Clarity Needed

3. Healthcare & Insurance Expectations

4. Senior Citizens & Retirement Planning

5. Real Estate & Housing Finance

6. Infrastructure & Capital Expenditure

7. MSMEs & Small Business Support

8. Manufacturing & Make in India 2.0

9. Agriculture & Rural Development

10. Education & Skill Development

11. Defence, Space & Aerospace

12. Green Energy & Electric Vehicles

13. Digital Economy & Technology

14. Markets, Investors & Capital Gains Policy

Conclusion

Frequently Asked Questions (FAQs)

When will the Union Budget 2026 be presented?

Will the NSE and BSE be open on Budget day 2026?

What are taxpayers expecting from Budget 2026?

Which sectors may get priority in Budget 2026?

Is Budget 2026 likely to help senior citizens?

Why Gold Prices Hit ₹1,80,000 – Key Reasons

Gold Prices Today

Why Gold Prices Cross ₹1,80,000

1. Uncertainty in the Global Market

2. Trade Risk

3. Import Cost and Rupee Depreciation

4. Increasing Demand