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

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

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

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

Union Budget 2026: Key Highlights

Key areas / indicators	Budget 2026 announced
Public capital expenditure (Public Capex)	₹12.2 lakh crore for the financial year 2026–27.
Fiscal Deficit	4.4% of GDP
Debt-to-GDP ratio	55.6%
Income tax slabs	No changes were made.
Cancer medications	No changes were made.
High-speed rail corridor	Seven new high-speed rail corridors will be built in the country.
Semiconductor Mission	The launch of ISM 2.0, with a budget of ₹40,000 crore.
MSME Growth Fund	A new fund of ₹10,000 crore for small industries.
Rare Earth Corridor	Special corridors in Tamil Nadu, Kerala, Odisha and Andhra Pradesh.
Bio-Pharma Power Plan	A new scheme has been launched with an investment of ₹10,000 crore.
Carbon Capture Fund	₹20,000 crore for the steel and cement sectors.
The share received by the states	₹14 lakh crore (41% of total tax transfers)
Electronics Manufacturing	The budget has been increased to ₹40,000 crore.
Textile Park	Large mega textile parks will be built in the country.
Freight Corridor	New freight train corridor from Dankuni (West Bengal) to Surat
Ayurvedic AIIMS	3 new Ayurvedic AIIMS will be established.
Medical tourism	Five regional medical tourism hubs will be created.
Women’s entrepreneurship	The launch of SHE (Self Help Entrepreneur) stores.
Urban development	₹5000 crore per city (over 5 years) for City Economic Regions.
Coastal Cargo Scheme	Increase the share of waterways and coastal shipping from 6% to 12% (by 2047).
Developed India Goal	All schemes are linked to the Viksit Bharat 2047 vision.

Income Tax & Direct Tax Announcements

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

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

Healthcare & Pharma Focus

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

Infrastructure Push: Rail, Freight & Cities

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

1. High-Speed Rail and Freight Corridors

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

Key Routes:

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

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

2. Investment in Cities

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

Manufacturing & Technology Focus: From Chips to Textiles

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

Key announcements

Area	Announcement
Semiconductor	India Semiconductor Mission 2.0 – ₹40,000 crore
Electronics	Manufacturing outlay: ₹40,000 crore
Textile	Mega Textile Park
Industry	Container manufacturing units
Chemical sector	New Chemical Park (Challenge Route)

Rare Earth & Clean Energy Corridors

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

Rare Earth Corridor (State-wise)

State	Initiative
Odisha	Rare Earth Corridor
Kerala	Rare Earth Corridor
Tamil Nadu	Rare Earth Corridor
Andhra Pradesh	Rare Earth Corridor

Exemption from customs duty on raw materials for sunglasses.
Customs duty exemption on products of lithium-ion battery companies.
A fund of ₹20,000 crore for carbon capture in the steel and related sectors.

MSMEs & Employment Generation

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

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

Tourism, Culture & Sports Development

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

Key Announcements –

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

Conclusion

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

Frequently Asked Questions (FAQs)

Is there any change in Income Tax slabs in Budget 2026?
No, there are no changes to the income tax slabs in Budget 2026.
What relief is given to cancer patients in Budget 2026?
Customs duty has been completely removed on 17 cancer medicines, which will make treatment cheaper.
How many new high-speed rail corridors are announced?
7 new high-speed rail corridors have been announced in Budget 2026.
What is the total capital expenditure (Capex) for FY 2026-27?
The government has allocated ₹12.2 lakh crore for capital expenditure in FY 2026-27.
What is Biopharma Shakti Yojana?
This is a ₹10,000 crore scheme under which 3 new institutions will be opened for biopharma research and manufacturing.

February 1, 2026

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

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

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

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

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

Trade Overview

Point	Information
Total market size	Approximately USD 24 trillion
The population associated with this	Approximately 2 billion people
India’s exports to the EU (2024–25)	Approximately USD 76 billion
Total merchandise trade	Approximately USD 137 billion
Trade in services	Approximately USD 83 billion
India’s access to the EU market	Almost all of the business (99.5%)

How did the EU reduce taxes on Indian goods?

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

EU Tariff Changes – for Indian Exports

Method	Meaning
Instant discount on most items	More than 90% of India’s exports will benefit.
Discounts are offered on some products every 3-5 years.	Limited category
In some cases, a quota system	Selected products
overall	Almost the entire business is covered.

What decision did India make regarding EU products?

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

India Tariff Changes – for EU Exports –

Point	Situation
How many products are included?	Approximately 92%
Products with instant discounts	About half
Phased exemption (5–10 years)	Approximately 40%
Fruits such as apples, kiwis	Allowed in limited quantities.

Which Indian sectors will benefit the most?

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

Sector	Tax now	What will happen next?
Textiles and garments	Up to 12%	Complete freedom
Leather and shoes	Up to 17%	Zero tax
Seafood	Up to 26%	Almost complete exemption
Medical equipment	6–7%	Almost finished
Gems and Jewelry	4%	complete exemption
Chemicals	Up to 12%	Discounts on most items.
Furniture/Decor	up to 10	Low tax

European Export Winners: Cars, Wine and Spirit

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

Category	Current situation	After the agreement
Tariffs on cars	Approximately 110%	Reduced to 10% (limited number available)
Annual car import limit	–	2.5 lakh vehicles
Cars cheaper than €15,000	General rules	The tariff will be higher.
Electric vehicles (EVs)	–	5-year grace period
Tariffs on wine	150%	20–30%
Spirits (alcohol)	150%	40%

CBAM: Carbon Border Adjustment Mechanism and Its Impact

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

The impact of CBAM

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

How Can India Respond to CBAM?

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

India’s preparation :

Step	Objective
CCTS	Promoting carbon trading
MRV System	Measuring and recording emissions
MSME Support	Reducing the burden on small industries
Green investment	Strengthening long-term competitiveness

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

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

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

India-EU FTA negotiation timeline

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

Global Trade and Geopolitical Impact

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

Implementation Timeline

Legal Drafting and Technical Review

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

Approval by the Indian Parliament

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

Approval by the European Parliament and EU Member States

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

When will the agreement come into effect?

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

Conclusion

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

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Frequently Asked Questions (FAQs)

What is the India-EU FTA?
This is a trade agreement between India and the European Union to facilitate trade and increase imports and exports between the two.
Why is this deal called the “Mother of All Deals”?
Because it is the largest trade agreement ever between India and the EU.
Which Indian industries will gain the most?
The textile, gems and jewelry, marine products, and leather sectors will benefit the most.
Will foreign products become cheaper in India?
Some goods may become cheaper, but the price will depend on GST and market conditions.
What is CBAM in simple words?
It is Europe’s carbon tax regulation, which will apply to goods with high carbon emissions.

February 1, 2026

Why is the Silver Price Going Down?

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

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

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

Current Silver Scenario in the Markets

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

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

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

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

Key Reasons of the Fall

1. New Chairman of Federal Reserve

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

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

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

2. A Strong US Dollar Is Often the Immediate Trigger

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

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

3. Sometimes the Fall Is Just Profit Booking

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

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

4. Increase Copper Margin Requirements

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

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

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

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

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

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

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

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

6. Unchanged Fed Rates

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

What to Expect Ahead?

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

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

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

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

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

Conclusion

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

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

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

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

Frequently Asked Questions (FAQs)

Why is silver down today?
Silver is under pressure due to a stronger US dollar, elevated interest rates, and profit booking after a sharp rally.
Why did silver fall so sharply in a short time?
Overbought conditions, margin-related fears, and Fed interest rate fears caused rapid selling.
Does this fall mean silver has entered a bear market?
No. Current price action looks like a correction rather than a long-term trend reversal.
Why does a stronger US dollar hurt silver prices?
Since silver is priced in dollars, a stronger dollar makes it more expensive for overseas buyers.
Is a 30% fall in silver a buying opportunity?
It depends on your risk tolerance and investment horizon. Long-term investors and short-term traders view such falls very differently.

Gold Rate in Top Cities of 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

February 1, 2026

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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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

Blog

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

Union Budget 2026: Key Highlights

Income Tax & Direct Tax Announcements

Healthcare & Pharma Focus

Infrastructure Push: Rail, Freight & Cities

1. High-Speed ​​Rail and Freight Corridors

2. Investment in Cities

Manufacturing & Technology Focus: From Chips to Textiles

Key announcements

Rare Earth & Clean Energy Corridors

Rare Earth Corridor (State-wise)

Important announcements related to clean energy

MSMEs & Employment Generation

Tourism, Culture & Sports Development

Key Announcements –

Conclusion

Frequently Asked Questions (FAQs)

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

What relief is given to cancer patients in Budget 2026?

How many new high-speed rail corridors are announced?

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

What is Biopharma Shakti Yojana?

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

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

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

Trade Overview

EU Tariff Changes – for Indian Exports

India Tariff Changes – for EU Exports –

European Export Winners: Cars, Wine and Spirit

CBAM: Carbon Border Adjustment Mechanism and Its Impact

The impact of CBAM

How Can India Respond to CBAM?

India’s preparation :

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

India-EU FTA negotiation timeline

Global Trade and Geopolitical Impact

Implementation Timeline

Legal Drafting and Technical Review

Approval by the Indian Parliament

Approval by the European Parliament and EU Member States

When will the agreement come into effect?

Conclusion

Frequently Asked Questions (FAQs)

What is the India-EU FTA?

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

Which Indian industries will gain the most?

Will foreign products become cheaper in India?

What is CBAM in simple words?

Why is the Silver Price Going Down?

Current Silver Scenario in the Markets

Key Reasons of the Fall

1. New Chairman of Federal Reserve

2. A Strong US Dollar Is Often the Immediate Trigger

3. Sometimes the Fall Is Just Profit Booking

4. Increase Copper Margin Requirements

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

6. Unchanged Fed Rates

What to Expect Ahead?

Conclusion

Frequently Asked Questions (FAQs)

Why is silver down today?

Why did silver fall so sharply in a short time?

Does this fall mean silver has entered a bear market?

Why does a stronger US dollar hurt silver prices?

Is a 30% fall in silver a buying opportunity?

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

1. High-Speed Rail and Freight Corridors