Investing Archives

Gold BeES vs Gold ETF: Meaning, How It Works, Taxation

Investing in gold has moved beyond buying jewellery or coins. Today, digital gold options are offering better choices to investors. Options like Gold BeES and Gold ETFs offer a smart, secure, and cost-effective way to invest in gold through the stock market.

So, if you are an investor looking to invest in gold, then you have just landed at the right place. This financial guide will share everything about Gold BeES vs Gold ETF in detail here.

Gold ETFs and Gold BeES: A Quick Comparison

Now that you have explored all the basic details linked to both the investment options, let us now explore a brief comparison of Gold BeES vs Gold ETFs here:

Aspect	Gold BeES	Gold ETFs
Category	Gold BeES is a specific gold exchange-traded fund offered by Nippon India Mutual Fund.	Gold ETFs refer to the broader category of gold-based exchange-traded funds offered by multiple fund houses.
Fund House	Managed only by Nippon India Mutual Fund.	Offered by various AMCs like HDFC, ICICI, Axis, Kotak, and more.
Unit Size	Each unit represents approximately 0.01 gram of gold with 99.5% purity.	Varies as it depends on the price of the ETF.
Liquidity	Highly liquid with a large daily traded volume.	Liquidity depends on the specific fund and its trading activity.
Expense Ratio	Fixed at 0.80%.	Varies between 0.32% to 0.78% depending on the AMC.
Tracking Error	Tracks domestic gold prices closely with low tracking error.	May show higher tracking error in some funds due to operational inefficiencies.
Taxation	Short-term gains (held for 12 months or less) are taxed as per income tax slab. Long-term gains (held for more than 12 months) are taxed at 12.5% without indexation.	The same tax rules apply – STCG as per income slab, LTCG at 12.5% without indexation.

Understanding Gold BeES

Gold BeES is an Exchange-Traded fund (ETF) that tracks the domestic price of gold by investing primarily in physical gold of 99.5% purity. They offer investors a way to gain exposure to gold price movements in a digital and secure format.

This means you can invest in gold without the need to buy or store physical gold. Gold BeES is an open-ended scheme, which does not have a maturity or lock-in period. It is listed and traded on stock exchanges like any other share.

So when you buy Gold BeES, you are investing in approximately 0.01 grams of gold, as it trades around ₹80 and the price of 10 gm of actual gold is around ₹90,000. This allows investors to start investing in gold with a small initial capital.

In India, Gold BeES is managed and offered by Nippon India Mutual Fund. It is the country’s first and most traded Gold ETF. The fund has been managed by Vikram Dhawan since 2022. The fund aims to provide returns that closely correspond to the domestic price of gold, before expenses. It is benchmarked against the domestic price of gold.

The further details of the Gold BeES that you should be aware of are as follows:

Date of Listing	8-Mar-2007
AUM (₹ Cr.)	20,783.15
Price	₹79.51
Expense Ratio	0.80%

(Details as on 28-May-2025)

Now that you know what Gold BeES means, let’s quickly understand its working here.

How Gold BeES Works?

When you invest in any asset, the first thing that you must understand properly is how it works and generates returns. By knowing this, you can ensure that your investment is not just done in the right direction, but also that you gain from your investments. So, here is the working of the Gold BeES:

Every unit of Gold BeES is approximately equal to 0.01 grams of physical gold with a 99.5% purity. The fund manager invests in physical gold and other exchange traded gold derivatives, tracking price movements and ensuring good returns.
ETFs offer their units to investors, which are then traded on the NSE or BSE to ensure transparency. You need a demat and a trading account for this.
The BeES tracks the price of gold quite closely and ensures alignment with price movements consistently, resulting in low tracking error.
Since there is no physical gold involved, the investor is freed from the worry of storing it.
With a price of around ₹80, Gold BeEs allows new investors to invest in gold without much capital.

Here is a quick table comparing the returns of the Gold BeES to those of physical gold to better check its performance.

	1 Year Return (%)	3 Years Return (%)	5 Years Return (%)	Since Inception Return (%)
Nippon India ETF Gold BeES	29.73	20.37	13.82	12.37
Price of Gold	31.31	21.65	14.95	13.47

(Details as on 28-May-2025)

So, the Gold BeES matches or tracks the movement of gold prices with returns equivalent to what the physical gold investment might offer you. This makes the scheme perfect for investors seeking to diversify their portfolio with gold.

Risks Associated with Gold BeES

Gold BeES faces the risk of gold price volatility. This means its value can fluctuate sharply based on various factors, including:

Global gold prices
Currency movements
Economic or political events.

Though this is a liquid asset, there might be chances that the liquidity will be negatively impacted during extreme market conditions. This will make it harder to buy or sell at your desired price. Tracking error can increase during volatile market conditions, causing the fund’s returns to deviate from actual gold returns due to fund expenses and operational inefficiencies.

There’s also fund manager risk, as the ETF’s performance depends on the AMC’s efficiency. Changes in tax laws or regulations could impact returns in the future.

Understanding Gold ETFs

To understand Gold ETFs vs. Gold BeES, you must first know what each stands for. So, now that you know the meaning of Gold BeES, let us explore the Gold ETFs here.

Gold ETFs are the exchange traded funds for the purpose of investment in gold. These are traded on stock exchanges and aim to track the price of physical gold. The primary features of these funds are as follows:

These are listed on stock exchanges like the NSE and the BSE for trading.
These are held electronically, so there is no hassle of storage.
The funds track the price of physical gold.
Gold ETFs are liquid in nature. This means you can easily buy or sell them on stock exchanges without any hassle.
The Gold EFTs involve no additional charges like making charges or storage costs, which makes them cost-efficient.
These are good from the taxation point of view when held for a long duration.
Investors can start with a small investment amount compared to investing in physical gold.
Many financial institutions accept Gold ETFs as collateral for loans.
There are no entry or exit load charges, making transactions cost-effective.
Statutory auditors regularly audit the holdings and purity of gold held by Gold ETFs to ensure transparency and trust.

How Gold ETFs Work?

Before you invest in Gold ETFs, you must understand how they work as well. So, the fund works in a very simple manner with the aim of offering returns to the investors. Here are the details of working:

These are traded on the stock exchanges during the trading hours. You can either buy or sell Gold ETF units based on your financial goals.
Each unit represents a specific quantity of physical gold that the ETF holds either physically or through exchange traded derivatives.
When you sell a unit, you get the cash amount equal to the physical gold value of that unit credited to your account.
You would need to pay taxes on the amount that you earn based on certain conditions.

Though there are various Gold ETFs available in India, it is important to know the top ones. So, here are the top-performing funds that you can invest in:

Fund Name	Inception Year	AUM (₹ Cr.)	Price (₹)	1 Year Return (%)	3 Year Return (%)	5 Year Return (%)	Expense Ratio (%)
Axis Gold ETF	2010	1,660.77	80.27	28.20	22.16	14.1	0.56
Birla Sun Life Gold ETF	2011	1184.63	84.57	27.85	22.06	13.92	0.47
HDFC Gold ETF	2010	9562.90	82.15	27.97	22.04	13.96	0.59
ICICI Prudential Gold Exchange Traded Fund	2010	7294.75	82.06	27.91	22.14	14.02	0.50
Invesco India Gold Exchange Traded Fund Ltd.	2010	277.77	8380.95	28.27	22.31	14.17	0.55
Kotak Gold Exchange Traded Fund	2007	7416.14	80.25	27.82	22.07	14.00	0.55
Quantum Gold Fund	2008	312.56	79.37	27.95	22.07	13.89	0.78
UTI Gold Exchange Traded Fund Ltd.	2007	1983.11	80.90	28.89	22.55	14.03	0.46

(Details as on 28-May-2025)

To further understand GoldBeES vs Gold ETF properly, let us now consider the taxation part.

Taxation of Gold ETFs and Gold BeES in India (2025)

When you invest in any asset, you must know the taxation part as well. This will ensure that you are managing your fund in the best manner and gaining the optimum outcome as well. So, when it comes to Gold BeES vs Gold ETF, the following will give you an idea of how the taxation works:

Type	Short-Term Capital Gains (≤12 months)	Long-Term Capital Gains (>12 months)	Indexation	Other Taxes
Gold BeES	As per the income tax slab	12.5% flat	No	No wealth tax, STT, VAT, or sales tax
Gold ETFs (all AMCs)	As per the income tax slab	12.5% flat	No	No wealth tax, STT, VAT, or sales tax

Risks Associated with Gold ETFs

Gold ETFs in India share similar risks to those of Gold BeES. They are highly sensitive to gold price volatility and macroeconomic factors. Liquidity risk can be higher in ETFs with lower trading volumes, making it difficult to exit at favorable prices.

Tracking error may be more pronounced in ETFs with higher expense ratios or less efficient fund management. The reputation and operational strength of the AMC matter; less established fund houses may carry higher risk. Like Gold BeES, all gold ETFs are subject to regulatory and taxation changes, which could affect their attractiveness or returns over time.

Who Should Invest in Gold BeES or Gold ETFs?

If you are looking to diversify your portfolio and want exposure to gold without dealing with physical storage or making charges, these options are ideal. Gold BeES and Gold ETFs are best suited for:

Long-term investors looking for a safe hedge against inflation or currency fluctuations.
Beginners who want to start small as Gold ETFs have low market prices, which allows even small investors to invest in gold.
People who want the flexibility to buy or sell gold easily and quickly through their trading account.

How to Invest in Gold BeES or Gold ETF Using Pocketful?

You can invest in Gold BeEs or Gold ETF using Pocketful by following the steps mentioned below:

Visit the Pocketful website, click on ‘Open Demat Account’ and complete your KYC with PAN, Aadhaar, and bank details.
After successful verification, your account will be opened and you will get login credentials on email.
Login into Pocketful’s mobile application, transfer funds and search for the Gold ETFs or Gold BeES that you wish to invest in.
Enter the number of units you want to buy click on buy.
Track your investment regularly on the Pocketful’s user-friendly mobile application under your portfolio section.

Conclusion

Gold BeES vs Gold ETFs offers you a comparison between two investment tools for anyone looking to invest in gold digitally. While Gold BeES is a specific ETF offered by Nippon India, Gold ETFs represent a broader range of ETFs offered by multiple AMCs.

Your choice among the two depends on your investment size, fund preference, and low tracking error. ETF platforms like Pocketful, investing in gold has never been easier or more accessible. Take your first step toward building a balanced portfolio by adding digital gold the smart way. However, it is advised to consult a financial advisor before investing.

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3	ETF vs Index Fund: Key Differences You Must Know
4	How to Invest in ETFs in India – A Beginner’s Guide
5	What is Nifty BeES ETF? Features, Benefits & How to Invest?

Frequently Asked Questions (FAQs)

Is Gold BeES the same as Gold ETF?
Gold BeES is similar to other Gold ETFs with one major difference that Gold BeEs is only offered by Nippon India Mutual Fund, whereas Gold ETFs are a broader category and are offered by various AMCs with different expense ratios.
Can I invest in Gold BeES without a demat account?
No. You need both a demat and a trading account to invest in Gold BeES or any Gold ETF, as these are traded on stock exchanges.
Which is better for beginners – Gold BeES or Gold ETFs?
Gold BeES is better for beginners due to its low price and low tracking error.
Are Gold ETFs and Gold BeES backed by physical gold?
Both invest in 99.5% pure physical gold and track domestic gold prices. Their value moves closely with the market price of gold.
How is tax calculated on Gold BeES and Gold ETFs?
If held for 12 months or less, gains are taxed as per your income tax slab. If held for more than 12 months, a flat 12.5% long-term capital gains tax applies.

ETF vs Stock – Which One is the Better Investment Option?

Investment decisions today require more thought than ever before. There are many options in the market, but the right choice depends on investment goals, risk tolerance, and current economic conditions. Recently, due to volatile market conditions, investors have been interested in building safe and diversified investment portfolios. In such an environment, it has become important to know which option, ETF or stock can prove to be better in the current times.

In this blog, we will compare ETF and stocks as investment options and decide on which one is best, along with their advantages and disadvantages.

What is an ETF?

ETFs or exchange-traded funds are investment instruments that represent a mix of shares of several companies, bonds or other assets. They can be bought and sold on the stock exchange like a common share. The biggest advantage of investing in an ETF is that it is diversified – that is, investments are made in several companies or sectors simultaneously, which reduces the risk. Apart from this, it is easier to trade as they can be bought and sold throughout the day in the stock market at market prices.

Know More: Calculate returns on ETF investments.

There are several types of ETFs, such as:

Equity ETF: which invests in stocks of several companies.
Debt ETF: which invests in government or corporate bonds.
Gold ETF: which tracks the price of gold
Sectoral/Thematic ETF: which invests in a specific sector (e.g. IT, banks)
International ETF: which tracks foreign markets.

ETFs can be a better option for long-term investors, especially when low risk and stable returns are preferred.

What is Stock?

Stocks are a part of the investment world that gives investors an opportunity to directly take a stake in a company. When an investor buys shares of a company, he becomes a small owner of that company. This ownership makes him a partner in the company’s profits, losses and other important decisions.

Investing in stocks has the potential to deliver good returns, but it also carries a higher risk, as a company’s financial performance can have a direct impact on the share price and thus your investment. Market movements, economic conditions and the company’s internal strategy can affect stock prices.

There are many types of stocks, such as:

Blue-Chip Stocks: Large, stable, and reliable companies
Mid-Cap and Small-Cap Stocks: Fast-growing but relatively more risky companies
Growth Stocks: Companies which have the potential for rapid expansion
Dividend Stocks: Companies which regularly distribute a share of profits with its shareholders.

With all these options, it is important to start wisely in the stock market.

ETF vs Stock: Key Differences

When it comes to ETFs vs Stocks, there are fundamental differences between the two investment options and selecting between the two is impacted by the investor’s experience, goals, and risk appetite. Here are some key differences between the two that can help you make a better decision:

Parameter	Exchange traded Fund (ETF)	Stocks
Diversification	The investment is divided among many companies, so ETFs are well-diversified.	Your investment performance is dependent on a single company’s financial performance, which keeps the risk more concentrated.
Risk and Volatility	ETFs are less volatile, especially index-based ETFs.	Depends on the performance of the company, hence volatility is high.
Management	Most ETFs are passive, which do not require much monitoring.	Research and tracking are important while investing in individual stocks.
Liquidity	ETFs have high liquidity.	Some Stocks are directly affected by the performance of the individual company.
Ownership	Buying an ETF gives you ownership of units of ETF, not of a specific company.	Buying stock gives you a direct stake in the company concerned.
Expenses and Fees	It has a small expense ratio and brokerages and transaction charges apply.	Brokerage and transaction fees are charged.
Voting Rights	ETF holders generally do not have voting rights in companies.	Stockholders have the right to vote on company decisions.

It is clear from this comparison that both stocks and ETFs have their own strengths and limitations. While ETFs are about instant diversification, stocks offer the potential for higher returns.

Pros and Cons of Investing in ETFs

Pros of ETF	Cons of ETF
Having multiple stocks in a single ETF provides diversification, which reduces risk.	The potential for high returns is limited.
Low expense ratios, making them especially beneficial for passive investors.	The investor does not have complete control to decide which stocks to include.
A good option for the long term as there is no need for constant buying, selling and research.	Some thematic or sector ETFs may be more volatile.
Easy way to invest in international markets, gold, bonds etc.	Less popular ETFs may have higher buy-sell spreads, which increases costs.

Pros and Cons of Investing in Stocks

Pros of Stock	Cons of Stock
Investing in the right company can provide good returns in the long term.	Poor performance of the company may result in a sharp decline in the value of the investment.
Shareholders get ownership and voting rights in the company.	The risk is higher compared to ETFs because there is less diversification.
There is a possibility of getting returns from both dividends and capital gains.	Company reports, market and sector information have to be constantly monitored.
You have complete control over your investments in stocks, buy or sell whenever you want.	Price volatility is high, which may cause stress or confusion among new investors.

Stocks or ETFs: Which is Better?

Which is better between ETFs vs Stocks depends entirely on the investor’s preferences and strategy. If your investment goal is stable growth and low risk over the long term, ETFs are the preferred investment option. They offer instant diversification at low cost, which is beneficial for beginner investors.

On the other hand, if an investor understands the market movements, has the time to do research, and wants the higher returns, then investing in individual stocks is a better option. However, investing in individual stocks can be risky and one has to face higher volatility.

Common Mistakes to Avoid While Choosing Between Stock and ETF

Common mistakes made while investing in stocks and ETFs are mentioned below:

Making decisions based only on short-term returns: Many investors invest only by considering the recent performance or chart patterns and ignore long-term potential and risk. Whether it is a stock or an ETF, it is important to pay attention to future growth along with the tracking error in the ETF and past financial performances for stocks.
Ignoring expense ratio and fee structure: Investing in ETFs incurs fees known as expense ratio, which can affect returns over time. At the same time, frequent trading in stocks can increase brokerage charges.
Overlapping in portfolio: Investing in both ETFs and stocks is good, but at times investors invest in the same company through ETFs as well purchase their shares, which reduces diversity and increases risk.
Investing on Unverified Investment Tips: Investing on the advice of a friend, social media or an influencer without understanding your financial situation and goals can be risky. Conduct your own research or speak to a financial advisor before investing in ETFs and stocks.

Conclusion

Both ETFs and stocks have their own advantages and risks. While ETFs come with lower risk, diversification, and less effort, stocks offer more control with the potential for higher returns.

Deciding which option is better depends on the investor’s risk appetite, financial goals, and availability of time. It is important to evaluate your financial position and goals before investing. With the right strategy and information, good returns can be obtained from both the options.

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5	ETF vs Index Fund: Key Differences You Must Know

Frequently Asked Questions (FAQs)

Which is safer: an ETF or Stock?
ETF is considered more safe because it invests in many companies, which reduces the risk.
Can beginners start with ETFs?
Yes, ETFs are a good option for beginners as they require less research and provide diversification.
Is it possible to have both an ETF and stocks in a portfolio?
Absolutely, balancing the portfolio by investing in both is a wise move.
Are ETFs suitable for long-term investment?
Yes, ETFs are stable and low-risk investment options for the long term.
Can I trade ETFs like regular stocks?
Yes, ETFs can be traded on an exchange just like stocks.

May 28, 2025

What Are Corporate Bonds?

In today’s dynamic investment landscape, investors have access to a wide range of opportunities, from equities to cryptocurrencies. However, these investments are not the most ideal for investors who want as little volatility in their portfolio as possible. Therefore, for such investors, corporate bonds are becoming a popular investment choice, as they have a moderate risk-return profile.

In this blog, we will explain all the concepts related to corporate bonds, including their types, advantages, risks, etc.

What is a Corporate Bond?

A Corporate Bond is a debt instrument that is issued by firms to raise funds. Investors can buy bonds from the firm and can lend money to the firm for a particular purpose. In exchange, the company will give periodic interest payments or coupon payments, and at the end of the period, the company returns the bond’s principal.

In other words, we can also say that whenever you buy a bond, it means you are lending money to the company, and in return for this, the company will repay you regular interest at a pre-determined interval along with return of principal at the end of the loan tenure. Moreover, corporate bonds yield a higher interest rate compared to government bonds.

Read Also: What are Bond Yields?

Features of Corporate Bonds

The key features of corporate bonds are as follows:

Higher Returns: Corporate bonds generally offer higher returns when compared to government bonds.
Liquidity: Corporate bonds are listed on the stock exchange but may have low liquidity.
Interest: Corporate bonds offer a fixed interest rate, which can be a regular source of income for investors.
Risk: Corporate bonds generally carry credit risk, which means the company may delay or default on interest and principal payments.
Maturity: The duration of corporate bonds ranges from short-term to long-term.

Types of Corporate Bonds

There are various types of corporate bonds available in the market; a few of these types are mentioned below:

1. Secured Bonds

These bonds are backed by certain assets which are kept as collateral. If the issuing company defaults, the assets can be claimed by the investors.

2. Unsecured Bonds

These are bonds that are not secured against any form of collateral. Hence, they are riskier than the secured bonds, as they are dependent on the issuer’s creditworthiness.

3. Fixed Interest Rate

These bonds offer a fixed interest rate and pay a fixed amount of interest throughout the term.

4. Floating Interest Rate Bonds

The interest rates of these bonds fluctuate with the market rates and are reset periodically.

5. Convertible Bonds

The bonds which can be converted into the equity shares of the company after a defined period are known as convertible bonds.

6. Non-Convertible Bonds

The bonds which cannot be converted into equity shares are known as non-convertible bonds.

7. Callable Bonds

In this kind of bond, the company has the privilege to redeem the bonds before maturity. This facility is usually availed by companies when the overall interest rates declines.

9. Putable Bonds

These bonds provide investors the right to sell the bond back to the issuer before maturity.

10. Zero Coupon Bond

These bonds do not pay periodic interest; they are issued at a discount to their face value and redeemed at face value at maturity

Benefits of Investing in Corporate Bonds

The significant benefits of investing in corporate bonds are as follows:

High Returns: Corporate bonds generally offer higher interest rates than any other government bond, compensating for the higher credit risk. Hence, investors who are willing to take risks in order to get the extra returns can opt for investing in such bonds.
Passive Income: The issuer pays interest payments in the form of coupons to the investors at regular intervals, usually semi-annually to annually. It can be a good source of passive income for investors.
Capital Protection: Investing in corporate bonds is usually safer than investing in equity as in the event of liquidation bondholders have a higher claim on assets than equity shareholders.

Risk of Investing in Corporate Bonds

There are several risks involved while investing in corporate bonds, a few of which are mentioned below:

Credit Risk: This is the most prominent risk when investing in a corporate bond as the issuer might fail to make the interest or principal payment because of any financial trouble.
Liquidity Risk: Most of the corporate bonds have extremely low liquidity, which makes it difficult for buyers and sellers to execute their trade in the secondary market.
Inflation Risk: If inflation rises over time then the coupon payments based on lower interest rate offered by your corporate bond will not be able to beat inflation.
Reinvestment Risk: When the corporate bond matures, you will get the redemption amount, including the principal and interest. Reinvestment risk refers to the possibility that proceeds from a maturing bond may have to be reinvested at a lower interest rate. This generally happens when the interest rates have dropped.

Factors Influencing the Price of Corporate Bonds

There are various factors which significantly impact the prices of corporate bonds; a few of such factors are as follows:

Credit Rating: There are various credit rating agencies which regularly monitor the creditworthiness of the issuer; hence, if they downgrade their rating because of any financial trouble in the company, the prices of the corporate bond will fall.
Interest Rate: The market interest rates play a major role in determining the price of a corporate bond. If the interest rate rises, the prices of the existing bonds will decrease.
Inflation: An increased inflation rate can decrease the real return of the bonds, thereby making them less desirable to invest in; thus ultimately resulting in a decline in prices of such corporate bonds.

How to Invest in Corporate Bonds?

There are various ways through which one can invest in corporate bonds; a few of such ways are mentioned below:

Primary Market: Bonds are issued for the first time in the primary market, hence, an investor can purchase them directly from the issuer.
Secondary Market: You can sell your corporate bonds in the secondary market through brokers, financial institutions or online platforms. Some of the corporate bonds are listed on the stock exchange by the issuing company to provide liquidity to the investors. However, due to low liquidity it may be difficult to purchase them easily.
Mutual Funds: Debt mutual funds invest in corporate bonds and are known as corporate bond funds. One can easily invest in these funds through SIP and Lumpsum.

Conclusion

On a final note, corporate bonds are suitable for investors who want less volatility in their portfolios and want regular income. However, the corporate bonds are not completely safe. There are factors such as interest rates, credit ratings, and economic conditions which may have an impact on the returns of corporate bonds. Hence, before making any investment decision, one should consult his/her financial advisor, investment horizon, as well as risk profile.

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Frequently Asked Questions (FAQS)

Who is allowed to invest in corporate bonds?
Anyone can invest in corporate bonds; however, investment in corporate bonds is appropriate for risk-averse investors who are looking for a steady source of income.
What risks are involved with corporate bond investment?
Investment in corporate bonds involves several risks, like liquidity risk, credit risk, inflation risk, etc.
How can I sell a corporate bond before maturity?
Some of the corporate bonds are listed on the Indian Stock Exchange but have low liquidity. You can sell your corporate bonds in the secondary markets through brokers, financial institutions and other online platforms.
Which is the safest corporate bond based on credit ratings?
Based on the credit ratings, AAA-rated bonds are generally considered safest, followed by AA, A, etc.

May 27, 2025

Benefits of Investing in Bonds

One of the most important advantages investing in bonds offers, especially in today’s volatile economy, is portfolio diversification. While most investment news is covered up by stocks, bonds offer unique benefits that provide solace and predictable returns aiding in the diversification of the portfolio.

In this blog, we will further understand the benefits of investing in bonds and see how it can improve and protect your investment portfolio.

Reasons to Invest in Bonds

Bonds are said to be one of the safest investment avenues for people who are seeking stability and consistency in their portfolio performance. Bonds are debt instruments where the investor (bond buyer) lends money to the bond issuing entity that can either be a government or corporation in exchange of interest payments at regular intervals and the return of principal amount at maturity.

When you buy a bond you become a creditor to the issuer as you get the principal amount at the time of maturity along with regular interest payments or coupon payments. Coupons are generally distributed annually or semi-annually providing you a risk-free stable income.

Top Benefits of Investing in Bonds

A list of top benefits of investing in bonds are:

1. Stable and Predictable Income

People who invest in bonds enjoy the benefits of steady income. Like clockwork, bonds pay fixed interest at pre-defined intervals and this makes them suitable for retirees or anyone looking for a passive income source. Most of the government and corporate bonds in India offer interest rates between 8% to 11% per annum.

2. Capital Preservation

Bonds are excellent for preserving capital given that they repay your principal at the set maturity date. These are particularly suitable for those wanting to avoid the ups and downs of equity markets or nearing retirement. While you may face wild fluctuations in investment value when it comes to stocks, bonds are less volatile and provide more security.

3. Portfolio Diversification

Bonds mitigate risk and adding them to your portfolio can prove beneficial. Since bonds are not correlated to equity returns, they lower overall portfolio risk, providing protection during stock market slumps. You can invest in bonds issued by different types of issuers such as government, corporate, or municipal to further diversify your portfolio.

4.Tax Benefits

In India, some bonds provide tax-free returns. For instance, certain government-issued bonds offer tax-free interest income, making them popular among investors.

5. Aids in Nation-Building and Development of Businesses

Purchasing government bonds helps you contribute to the funding of infrastructure projects like building roads, schools, and bridges. Corporate bonds contribute to business growth, rise in employment opportunities and economic development.

6. Shield Against Inflation

Certain types of bonds, such as inflation-indexed bonds adjust the maturity amount according to inflation, which protects investors against inflation. This maintains the buying power of the returns earned.

Read Also: What are Bond Yields?

Things to Consider Prior to Making Investments in Bonds

Like many other forms of investments, bonds also come with risks that have to be considered beforehand. While their reputation may suggest safety, there is a lot more under the surface. The most prominent risks to consider are :

1. Interest Rate Risk

Interest rates and bond prices have an inverse relationship, meaning that when interest rates increase, prices of existing bonds tend to decrease. This happens due to new bonds offering better yields, thus lowering the value of older bonds in the market.

2. Credit Risk (Default Risk)

This is the risk describing a scenario in which the bond issuer might fail to give interest payments or repay the principal amount at maturity. Bonds issued by famous companies and governments are safer, while corporate or junk bonds carry a higher credit risk.

Tip: Use the bonds credit rating from CRISIL, ICRA, etc to analyse the credit risk of the bond. They all provide reliable ratings and can help you make a better investment decision.

3. Inflation Risk

Inflation is referred to as a general price rise in an economy, this means that with time the price of goods and services increase leading to a decline in the purchasing power of money. In other terms, each rupee will buy less amount of goods and services today than in the past.

In case inflation rate shoots up sharply, then the bond returns will be lower in real sense. Example : If a bond pays 5% interest every year but inflation is 6%, then your real return is negative.

4. Liquidity Risk

The bonds may have been listed on the exchange but there may be no liquidity, which means that there may be no buyers at the time when you wish to sell and vice-versa. If you value liquidity, stick with government bonds or high-rated corporate bonds.

5. Call Risk

Certain bonds have a call option, which allows the issuer to retire a bond before its maturity date, usually if interest rates decrease. This is a plus for the issuer, but a disadvantage for investors who lose potential interest earnings and now may want to reinvest the amount at reduced interest rates.

Some popular bonds that Indian investors can invest in are as follows :

1. Government Bonds (G-Sec) – These are low-risk bonds that are issued by the Central Government and are considered the safest investment option.

2. Corporate Bonds – These bonds are issued by the private companies to raise funds/capital and these bonds typically offer high yields due to credit risk associated with them.

3. Tax Free Bonds – The interest earned by the bondholder is exempt from taxation in these bonds.

Conclusion

All investors can enhance their investment portfolios by investing in bonds. These securities provide numerous benefits, such as stable income, protecting capital, and portfolio diversification. Even though their returns are often lower than equities, bonds are less risky and provide steady income to conservative investors. Understanding the various benefits and factors affecting bond investments allows investors to align their investment decisions with their financial aspirations. It is advised to consult a financial advisor before investing.

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4	What Is Bowie Bond (Music Bonds) : History, Features, Advantages & Disadvantages
5	Types of Investment in the Stock Market

Frequently Asked Questions (FAQs)

What is the primary purpose of investing in bonds?
The main goal is earning consistent income through interest payments and safeguarding capital by getting the principal amount back upon maturity.
What is the difference between bonds and stocks?
Bonds are a form of debt instrument offering investors fixed interest payments and return of principal on maturity. Whereas, stocks signify ownership in a company and may provide dividends and capital gains.
Is it a good idea to invest in bonds for the short term?
Bonds with shorter maturities do exist, which could be a good idea for risk averse investors that are looking for stable returns and high liquidity. However, compared to long term bonds their returns will be lower.
Is it possible for bond investments to decrease in value?
Yes, bond investments can decrease in value as a result of shifts in interest rates, credit risk, and other market forces. These factors can result in potential capital losses if a bond is sold prior to its maturity date.
What is your recommended course of action for someone interested in starting to invest in bonds?
Bonds can be purchased through online platforms in individual bonds and debt mutual funds that invest in a variety of bonds.

May 27, 2025

ETF vs Index Fund: Key Differences You Must Know

The trend of passive investing is growing rapidly in India, where people are investing in funds that follow indexes like Nifty 50 or Sensex. The AUM of passive funds in India is expected to reach ₹11.13 lakh crore in 2025, which includes both ETFs and index funds.

Both these options provide low-cost investment, but there are some important differences between them. In this blog, we will understand the difference between Index Funds and ETFs in simple language and know which one is better for you.

What is an Index Fund?

An index fund is a type of mutual fund that tracks a certain market index (such as Nifty 50 or Sensex). Its objective is to replicate the performance of that index. This fund invests in shares of only those companies that are part of that index, and investment is made in the same proportion as that of index.

Passive Investment Strategy : In an index fund, stocks are not selected by an active fund manager. Instead, investment is only made in shares that are index constituents. This is why it is called a passive investment strategy. Its expense ratio is also low due to less analysis required.
Transaction Process : Index funds are bought and sold at the NAV (Net Asset Value) declared at the end of the day. That is, there is no continuous buying and selling during the day, as is the case with ETFs.
Not Expensive : It is possible to invest small amounts at regular intervals in this fund through SIP (Systematic Investment Plan) and build your investment portfolio over time.

Key features in brief:

Invests in index-based stocks
Not actively managed
Low cost and low risk
SIP facility available

What is an Exchange-traded fund?

An ETF, i.e., an exchange-traded fund, is a fund that tracks a particular stock market index, such as the Nifty 50 or Sensex, gold, silver, etc. The main difference between an index fund and an ETF is that it can be bought and sold in real time in the stock market, like shares of a company.

Intraday trading facility : ETF is traded on the stock exchange, so its price keeps changing throughout the day depending on demand and supply. Investors can do intraday trading in it; that is, buying and selling is possible on the same day.
Investment process and requirements: Demat and trading accounts are mandatory for investing in an ETF because its units trade like stocks. This fund is suitable for those who want to manage their investments a little more actively.
Low cost and transparency : The expense ratio of ETFs is very low, and they follow the index in a transparent manner due to low tracking error. Apart from this, ETFs also have high liquidity, as they can be sold anytime during market hours.

Key features in brief:

Can be bought and sold in real-time in the stock market
Tracks a specific index, gold, silver, etc.
Demat and trading account mandatory
Low expense ratio
Facility for intraday trading

Difference Between ETF and Index Fund

The table below presents the key differences between ETFs and index funds. The comparison is based on important aspects such as investing method, cost, tax, investment process, and liquidity. This table is useful for both professional investors and beginners to make the right decision.

Parameter	ETF (Exchange Traded Fund)	Index Fund
Investment Process	Trades on stock exchanges like individual stocks.	Bought or sold only at the end-of-day NAV.
Liquidity	High liquidity – can be bought/sold any time during market hours.	Relatively Lower liquidity – transactions occur only once a day based on NAV.
Expense Ratio	Exchange-traded funds have a lower expense ratio than index funds.	Index Funds have a higher expense ratio than exchange-traded funds.
SIP Availability	SIP cannot be done.	SIP can be done.
Demat Account Requirement	Mandatory requirement of both demat and trading accounts for investing.	Not required, if you prefer to hold the mutual fund units in physical form.
Minimum Investment	Can start with the price of one unit	Minimum SIP amount usually starts at ₹500 or ₹1000.
Pricing Mechanism	Real-time market price fluctuates based on demand and supply throughout the day.	NAV-based pricing calculated and declared once daily.
Investment Experience	Requires technical understanding of trading, pricing, and brokerage.	Simple and user-friendly; ideal for beginners.

Both ETFs and index funds are great options for passive investment. ETFs offer more flexibility, liquidity and trading experience but require a Demat account. On the other hand, index funds are simple, safe, and ideal for long-term investing with features like SIP.

Pros and Cons of Index Funds and ETFs

Pros and Cons of Index Funds

Pros :

It is easy to start investing as a Demat account is not required for investing in Index funds mutual funds.
It is possible to make regular and systematic investments through SIP.
The most suitable and simple option for new investors.

Cons :

There is no real-time trading; transactions are done only at the end of the day on NAV.
Tax efficiency is less than ETFs.
There is not much flexibility in trading.

Pros and Cons of ETFs

Pros :

Can be traded on the stock exchange during market hours.
The expense ratio is low, which reduces the cost.
Transparency and liquidity are high.

Cons :

Demat and trading accounts are required for investing in ETFs.
SIP facility is not generally available, so regular investment can be a bit difficult as investors have to invest manually.
There may be additional expenses incurred during trading, such as brokerage and bid-ask spread.

Both options have their own advantages and disadvantages, so the choice of investment depends on the individual’s needs and investment style.

Which Should You Choose?

Deciding between index funds and ETFs can be tough. You can refer to the points mentioned below to make a smart investment decision:

Investment goals and period : If you want to make stable and regular investments for a long period, then an index fund is better. It has the facility of SIP, through which small investments can be made at regular intervals without much effort. It is also an easy and suitable option for new investors.
Active vs Passive Investment : If the risk-taking capacity is high and you want to take advantage of the ups and downs of the market, then an ETF is a better option as the investor can actively trade it on the stock market. On the other hand, if the investor prefers a passive investment, then an index fund should be the priority.
Investment platform and requirements: Demat and trading accounts are mandatory for investing in an ETF, along with market understanding. In contrast, an index fund can be purchased directly from the fund house, in which a Demat account is not required.

One should choose between an ETF or index fund keeping in mind the investment goal, risk capacity, and available resources. The right choice ensures maximum profit and security of investment.

Know More: Calculate returns on ETF investments.

Conclusion

Both ETFs and index funds are great and low-cost options for passive investing. The main difference between the two is in the trading process, liquidity, tax efficiency, and investment method. ETFs can be traded on stock exchange and are more transparent, while index funds are simpler to invest in and suitable for SIPs. To make the right choice, it is important to evaluate your investment goals, risk tolerance, and available resources. It may also be wise to consult a financial advisor before starting to invest.

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1	Mutual Fund vs ETF. Are They Same Or Different?
2	Best ETFs in India to Invest
3	ETF vs Stock – Which One is the Better Investment Option?
4	Gold ETF vs Gold Mutual Fund: Differences and Similarities
5	ETF vs Index Fund: Key Differences You Must Know

Frequently Asked Questions (FAQs)

What is the main difference between an ETF and an Index Fund?
ETFs can be traded on the stock exchange, while Index Funds are bought or sold at the end of the day NAV.
Can I start SIP in ETFs?
Direct SIP is not possible and the investor must manually buy ETF units at regular intervals.
Is Demat account necessary for Index Funds?
No, a Demat account is not required to invest in an Index Fund.
Which is better for beginners: ETF or Index Fund?
Index Fund is easier and more convenient for beginners.
Are ETFs more tax-efficient than Index Funds?
Yes, ETFs are slightly more tax efficient, especially in the long term.

May 26, 2025

What is Gold ETF? Meaning & How to Invest Guide

Gold has been important in India for centuries from an investment and cultural point of view. Traditionally, people used to buy gold in the form of jewellery, coins or biscuits. However, buying physical gold comes with challenges such as storage, insurance, and making charges.

Currently, investors are turning to digital options, among which Gold Exchange Traded Funds (Gold ETFs) are prominent. These funds trade on the stock exchange and track gold prices, allowing investors to invest in it without buying physical gold.

What is a Gold ETF?

Gold ETF or Gold Exchange Traded Fund can be considered as a type of mutual fund that tracks the prices of gold and can be bought and sold in the stock market. It is a digital medium of investment, which is free from the problems of storing physical gold.

It eliminates hassles of owning physical gold such as storage, insurance or making charges. It is a safe, transparent and convenient way to invest in gold. The purpose of investing in Gold ETF is to diversify the investment portfolio, protect against inflation and market decline.

This investment instrument has the potential to give stable and reliable returns over the long term. For this reason, Gold ETF can be considered a smart investment option in today’s time.

Key features of Gold ETF

Gold ETFs are traded in the stock market, just like stocks of a company are bought or sold. Its key features are:

Linked to the price of gold: The mechanism of a gold ETF fund is very simple. The ETF tracks the price of gold and its price fluctuations, which are closely linked with the price changes of physical gold.
Backed by real gold: Gold ETFs are backed by real (physical) gold. This means that every unit has some quantity of actual gold behind it either in the form of physical gold or in the form of ETCDs (Exchange Traded commodity Derivatives) that have physical gold as underlying asset.
Traded on stock exchanges: The biggest feature of these ETFs is that they can be bought or sold anytime during market hours. This makes them a liquid and flexible investment option.
Low cost and hassle-free investment: Investing in gold ETFs involves neither making charges nor storage fees. It is a less expensive and easier investment option than physical gold.

How to Invest in Gold ETFs in India?

Investing in Gold ETFs is an easy process. It is similar to buying stocks in the stock market.

Step-by-step process:

1. Open Demat and Trading Account: To buy Gold ETF, first of all you need a Demat and trading account. Pocketful is a SEBI-registered brokerage platform with an easy to use mobile application and web platform, offering advanced technical tools and market insights.

2. Choose the appropriate Gold ETF Fund: Compare Gold ETF Funds offered by different issuers, such as GOLDBEES, SETFGOLD, etc. Make sure to check the following:

AUM (Assets Under Management) of the fund
Expense Ratio
Tracking Error

3. Buy from Trading app: One can also invest directly in Gold ETF from Pocketful’s mobile application.

Note: For a profitable investment journey, remember the following points:

Decide your financial goals
Start with small investments
Keep an eye on tracking error and trends in gold prices
Invest with a long-term view

Taxation on Gold ETF Investment

Gold ETFs have now been placed in a separate category and are taxed based on the information in the table below:

Holding Period	Type of Capital Gains	Tax Rate
12 months or less	Short-Term Capital Gains (STCG)	As per individual income tax slab
More than 12 months	Long-Term Capital Gains (LTCG)	12.5% flat rate

Tips for Investors

Tax Planning: It is important to plan before investing keeping in mind the tax implications.
Professional Advice: It may be beneficial to consult a tax advisor to understand tax-related complexities.

Advantages of Gold ETFs

Various advantages of Gold ETFs are:

No storage concerns: Unlike investing in physical gold, gold ETFs investors do not have to worry about safe storage or theft.
High liquidity: Gold ETFs are traded on the stock market, so they can be easily bought or sold anytime during market hours.
Transparent pricing: Gold ETF prices are directly linked to gold prices, which keeps ETF pricing transparent and unbiased.
Low expenses: Compared to gold mutual funds, gold ETFs have lower management expenses (Expense Ratio), which reduces the overall cost of investment.
Portfolio diversification and inflation protection: Gold ETFs help you diversify investments and also provide protection against inflation.

Overall, gold ETFs combine the benefits of investing in gold with the ease of equity investing, making it a simple, affordable and effective investment option.

Disadvantages of Gold ETFs

Disadvantages or risks associated with investing in Gold ETFs are listed below:

No physical delivery: Gold ETFs cannot be redeemed for actual gold due to which some investors may prefer owning physical gold relative to investing in gold ETF.
Possibility of tracking error: Sometimes the price of gold ETFs may differ slightly from the price of physical gold.
Market volatility: The price of gold ETFs may fluctuate due to trading in the stock market.
Demat account required: A Demat and trading account is required for investment, which some investors may not have.
No additional interest: Unlike sovereign gold bonds, gold ETFs do not offer any additional interest or dividend.

For these reasons, it is important to understand all the risks and limitations before investing.

Should You Invest in Gold ETFs?

Below are the reasons behind why you should invest in Gold ETFs:

Risk control: Gold ETFs are a good choice for investors who want to minimise risk and diversify their portfolio.
Convenient digital exposure: Gold ETFs offer a seamless and transparent way to invest in gold through digital medium as compared to physical gold.
Suitable for medium to long term investments: Gold ETFs are effective instruments for inflation protection and capital preservation during economic volatility.
Begin Small: Some of the Gold ETFs trade below ₹100, making them accessible to small investors. Whereas, investing in physical gold requires substantial amounts of capital.

However, it is important to take expert advice regarding individual financial situations and investment goals before investing to make the right decision.

Read Also: How to Invest in Silver in India?

Conclusion

Gold ETFs are a smart, convenient and modern way to invest in gold. It is not only tax efficient but also safe and ideal for diversifying your investment portfolio. While avoiding the hassles of physical gold, Gold ETFs offer the simplicity of digital investing. To balance your portfolio, consider investing in Gold ETFs today with Pocketful.

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

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4	Gold ETF vs Gold Mutual Fund: Differences and Similarities
5	ETF vs Index Fund: Key Differences You Must Know

Frequently Asked Questions (FAQs)

How to invest in Gold ETF?
To invest in Gold ETF, it is necessary to have a Demat and trading account. You can easily open an account with Pocketful, transfer funds, search for Gold ETFs and begin investing.
What are the tax implications of Gold ETF?
Holding for less than 12 months is taxed as per the income tax slab, and holding for more than 12 months is taxed at 12.5% LTCG.
Can Gold ETF be exchanged for physical gold?
No, Gold ETFs do not provide delivery of physical gold as they are only digital units.
Is Gold ETF better than physical gold?
Gold ETFs have several benefits over physical gold, such as no storage fees, more secure and highly liquid, making them a better option for many investors.

May 26, 2025

How to Invest in Silver in India?

The process of building a diversified portfolio is incomplete until you invest in assets like gold and silver. Where gold has been a pioneer in the field of investing yielding consistent returns, silver has recently received much attention due to its increasing demand in the industrial sector. This is one of the reasons for the rising value of silver as an investment.

But the question is, how can you invest in silver? Well, there are innumerable options that you can select from. Here’s a simple guide to help you invest in silver with ease. Starting from the physical silver to how to buy Silver ETF, we will cover every single point in the guide here.

Ways to Invest in Silver

There are various ways you can invest in silver. From the traditional method of buying physical silver to SIP in Silver ETF, the options are many. So, to start with, let us briefly understand the investment choices that you have:

1. Physical Silver

This is the most traditional method of investing in silver. You can buy coins, bars, and jewelry. Bars and coins are preferred due to their purity and high resale value. Jewelry is usually selected for adornment and value.

This physical silver is tangible in nature and needs proper storage. Usually, people store them in lockers at home or banks. This can add to the overall cost as well. Also, one important thing to know here is that physical silver offers you liquidity. In case of need, you can sell and raise funds in no time.

2. Silver ETFs (Exchange-Traded Funds)

Silver ETFs are a new form of investment. Here, you invest in the funds that are traded on stock exchanges and track the silver price. When an investor buys a Silver ETF, they gain the benefit of silver’s price movement without actually owning it physically.

These are highly liquid and offer ease of trading. There is no issue with the safekeeping or storage, which makes them a better investment choice than the rest. Since the trading happens on exchanges, ETFs offer you better transparency. One important thing to note here is that you would need a demat and trading account to invest in Silver ETFs.

3. Silver Futures

These are the standardized contracts that are traded on the commodity exchange, such as the MCX. Traders use these contracts to benefit from silver’s price movements. So, the primary aim of this is to realize short-term gains and not invest for the long run.

Futures trading requires margin payments (fraction of the contract value) due to which volatile price movement can result in significant losses. Make sure to square off existing positions to avoid the contracts getting exercised and physical settlement.

4. Digital Silver or E-Silver

Digital silver allows investors to buy and own silver in fractional quantities through online platforms. The purchased silver is backed by physical metal stored securely by the scheme provider. This investment option offers convenience.

Through this, investors can buy or sell even small amounts without the hassle of storage. So, if you are looking for a flexible and secure investment in silver, this is a great choice.

5. Silver Mutual Funds

Instead of going for the physical silver, you can invest in silver MFs as well. This involves investing in silver ETFs and other Exchange-Traded Commodity Derivatives (ETCDs). It can be viewed as an indirect form of investing in silver ETFs with an advantage of fixing monthly SIPs.

6. Silver Mining Equities

It is when you directly invest in companies that work in the field of extraction, exploration, or production of silver. This allows you to benefit from an increase in silver prices and the company’s growth at the same time. Hindustan Zinc Ltd and Vedanta Ltd are a few companies in this sector.

So, when it comes to how to buy silver in India, these are some of the prominent options available. Of these, Silver ETFs stand out. So, let us now explore the Silver ETF in detail over here.

Why Choose Silver ETFs Over Other Silver Investment Options?

Modern investors usually look for safe and low-maintenance investment options. Silver ETFs are a better choice because they are traded on the exchange, and no physical storage is needed.

But there are other reasons as well that make Silver ETFs a better choice. So, here are the top ones that you should be aware of:

1. High Purity Standards

Silver ETFs in India invest only in silver with 99.99% purity. This ensures that your investment is backed by top-grade metal, which reduces quality risks. This makes the investment more reliable compared to buying silver physically from unverified sources.

2. Direct Correlation with Silver Prices

When you invest in Silver EFT, you can track its prices easily as it follows the price of the silver, which makes it a transparent investment. Also, you can observe the price movements in real-time, which allows you to adjust your investment strategies and avoid losses.

3. Elimination of Physical Storage Concerns

Unlike physical silver, ETFs don’t need lockers or safes. The fund houses store the metal securely in accredited vaults, reducing the hassle and cost associated with personal storage, theft risk, or insurance for the investor.

4. Regulated by SEBI

Investors usually seek investments that are regulated. This is where Silver ETFs stand out as the rules of SEBI govern these financial instruments. This ensures authenticity and trust and further ensures that the interest of the investors is safeguarded throughout the investing journey.

5. Liquidity and Ease of Trading

Silver ETFs are listed on stock exchanges, which allows the investors to buy and sell them online during trading hours easily. This allows you to make an entry or exit quickly as needed. This way, you can quickly liquidate your investment by selling due to high transaction volume. Hence, this is a good choice for both short-term traders and long-term investors.

6. Cost-Effective Investment

There are no making charges, storage fees, or hidden premiums like with jewelry or coins. Apart from a nominal management fee, Silver ETFs are economical, offering better value for money when compared to physical silver purchases.

7. Accessibility for Small Investors

Silver ETFs allow you to start investing with a small capital, making them ideal for beginners or those wanting to build exposure gradually. Some of the silver ETFs are priced below ₹100, unlike physical silver, which often requires substantial capital to invest.

8. Diversification Benefits

Various global factors impact your portfolio such as geopolitical events, interest rates, etc. So, when you add the Silver ETFs to your portfolio, you are not just buying silver, but you are also reducing the overall risk of your investment portfolio. There are chances that silver might outperform other asset classes during certain market phases, which will work in your favor too.

How to Invest in a Silver ETF?

There is no doubt that Silver ETFs are a great choice for investment. But the question that arises over here is how can you invest in Silver ETF. Well, here is the stepwise guide to help you invest.

1. Open a Demat and Trading Account

Start by opening a demat and trading account. You can open this for free on a platform like Pocketful, which offers a hassle-free online process. Just submit the basic KYC requirements along with documents, and your account will be created shortly after verification.

2. Explore Available Silver ETFs

Once your account is opened, search for the silver ETF listed on the stock exchange. There are many issuers that offer silver ETFs and it is necessary to compare them on the basis of tracking error, expense ratio, etc. to select the best one among them.

3. Invest via SIP or Lump Sum

You have the option to invest in a lump sum or SIP in the Silver ETF. The choice is based on your investment goals and disposable income. For beginners, SIP is a great choice that offers the benefit of rupee-cost averaging and builds discipline.

4. Place Your Buy Order

Once you’ve chosen your silver ETF, place a buy order. You can either use a market order or limit order, enter the quantity, and click on buy.

5. Track and Manage Your Investment

One of the most important aspects of investing in Silver ETF is to keep track of price changes and adjust your investment strategy as needed. You can track it directly online through Pocketul’s user-friendly mobile app.

While investing, ensure to keep an eye on economic trends and stay updated with market events. This will help you make the right investment decision.

SEBI Rules for Silver ETFs

SEBI regulates Silver ETFs to ensure investor safety, price accuracy, and fund transparency. The rules to know are:

Minimum Asset Allocation: At least 95% of the ETF’s net assets must be invested in physical silver or silver-linked exchange-traded commodity derivatives (ETCDs).
Tracking Error Limit: The tracking error must not exceed 2%, ensuring the ETF closely mirrors actual silver price movements.
Expense Ratio Cap: The total expense ratio is capped at 1%. This keeps the fund management costs low for investors.
Purity Standards: All silver held must comply with London Bullion Market Association (LBMA) standards, ensuring a purity of 99.9%.

Taxation on Silver ETF in India

When you invest in a Silver ETF, it is important that you are aware of the taxation part as well. So, here is a brief overview of the taxation that you should be aware of when investing in silver:

Holding Period	Type of Gain	Tax Rate
Less than or equal to 1 year	Short-Term Capital Gains (STCG)	As per the tax slab with 4% cess and surcharge, if any
More than 1 year (before 1/April/2025)	Long-Term Capital Gains (LTCG)	As per the tax slab with 4% cess and surcharge, if any
More than 1 year (starting 1/April/2025)	Long-Term Capital Gains (LTCG)	Taxed at 12.5% with applicable surcharge and 4% cess

Things to Consider Before Investing in Silver

Once you have decided to invest, there are certain things that you must consider. So, here are the key points to know:

Volatility: Silver prices can fluctuate sharply due to changing industrial demand and global economic conditions. Be prepared for short-term price swings.
Form of Investment: Choose between physical silver, ETFs, digital silver, or mutual funds based on your risk appetite, liquidity needs, and investment goal.
Storage and Purity: Physical silver needs secure storage and may not fulfill purity standards. ETFs and digital silver address these concerns.
Tax Impact: Short-term gains can attract higher taxes; holding silver for a longer duration is more tax-efficient and offers you the benefit of appreciation in silver prices, too.
Liquidity: While ETFs and digital silver offer easy exit, selling physical silver might need a bit more time.

Conclusion

Investing in silver is a great way to diversify a portfolio and gain a hedge against inflation. Also, with options like Silver ETFs, you can invest in silver without the worry of storage. This way, you can benefit from the appreciation in silver prices easily. This is where platforms like Pocketful can help. They make investing simple, secure, and beginner-friendly.

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

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20	Best Silver Mutual Funds to invest in India

Frequently Asked Questions (FAQs)

Is Silver ETF a good investment option?
Yes, these are good investment options as they offer exposure to silver without worrying about storing it physically. Moreover, these are regulated by SEBI, ensuring safety and transparency.
Can I invest in a Silver ETF without a demat account?
No, you need both a demat and a trading account to invest in Silver ETFs.
What is the benefit of using Pocketful for silver investments?
Pocketful offers an easy-to-use mobile application and lets you track, invest, and manage Silver ETFs all in one place.
Can I start investing in Silver ETFs with a small amount?
Yes, you can start investing in Silver ETFs with a small amount as most of them trade below ₹100.
What is the tax on silver investments?
Gains from Silver ETFs held for more than 1 year are treated as LTCG and taxed at 12.5%. If sold within a year, gains are treated as short-term capital gains and taxed as per your income tax slab.

May 24, 2025

How to Invest in ETFs in India – A Beginner’s Guide

Today, an excellent way to invest smartly and easily is through ETFs (exchange-traded funds). ETFs can be considered as mutual funds that trade like stocks and track indices, gold, or bonds. ETFs are becoming increasingly popular in India as they offer low expense ratios, more transparency, and good liquidity. If you want to know how to invest in ETFs or buy ETFs in India, then this blog is for you. In this guide, we will tell you what an ETF is, how to choose one, and where to buy one in simple terms.

What is an ETF?

An ETF, or exchange-traded fund, is an investment instrument that tracks a particular index, such as the Nifty 50, Sensex, or an asset such as gold. Its purpose is to replicate the performance of that index as accurately as possible. ETFs can be bought and sold on the exchange like stocks, meaning trading is possible throughout the trading session. It helps you diversify your portfolio like a mutual fund, but instead of a fund manager actively investing in stocks on your behalf, it follows the index—that is, it is an example of passive investing.

Investing in ETFs costs less because there is no active management fee. Also, there is more transparency in ETFs because information about holdings is readily available. Many types of ETFs, like equity, gold, international, and bond, are now available in India, which are considered easy and smart investment options.

Why invest in ETFs?

Investors today are looking for investment options that are low cost, low risk, and offer good returns in the long term, and this is why ETFs are becoming increasingly popular in India.

Low cost : The management fees and other expenses in ETFs are very low, which reduces the total expenses of the investors. Due to low expenses, the returns are better in the long term.
Transparent investment : In ETFs, it is clear in which index or asset the investment has been made. This gives the investor a correct idea of his investment and makes it easier to track investment performance.
Best for new investors : ETFs are an easy and safe way for new investors to begin their investing journey. Through ETFs, one can invest in the wider market without selecting specific stocks. It reduces the risk and is suitable for beginner investors.
Opportunity to diversify the portfolio : ETF investment can diversify the portfolio well. This reduces the risk, as the investment is spread across many sectors and companies.
Open the doors to International Markets: Through ETFs, one can easily invest in markets outside India, like America, China, and other global markets.
Growing popularity of index investing : In India, especially young and new investors are now preferring index-based ETFs over investing in individual stocks. This trend has increased due to ETF’s transparency, simplicity, and diversity.

Moreover, ETFs are fully regulated under SEBI rules, making them safe and reliable. The total assets under management (AUM) of ETFs in India is constantly growing, which reflects the growing confidence of investors.

Know More: Calculate returns on ETF investments.

How to Select the Right ETF?

Before investing in ETFs, it is very important to pay attention to some important factors so that the investment is safe and profitable.

Tracking Error: This shows how much the performance of the ETF differs from its index. ETFs with low tracking error are considered better. Example: Nippon India ETF Nifty BeES is known for low tracking error.
Expense Ratio: There is an annual fee charged on ETFs. The lower the expense ratio, the better the returns. Example: ICICI Prudential Nifty 50 ETF has a very low expense ratio.
Liquidity and AUM: The trading volume and total AUM (assets under management) of the ETF indicate how popular and liquid it is.
Underlying Asset or Index: The index the ETF is tracking, such as Nifty 50, Sensex, or Gold, should match the investment objective.

Choosing an ETF is not a difficult task, but it is very important to be cautious of how a specific ETF affects your overall investment portfolio. Invest, keeping in mind tracking error, expenses, liquidity, and index, so that you get better returns and stability in the future.

How to Buy an ETF in India – Step-by-Step Guide

Buying an ETF is as easy as buying a stock. If you are investing for the first time, then you can start investing in ETFs without any hassle by following the steps given below:

Open a Demat Account: To buy an ETF, first of all, it is necessary to have a Demat account. It can be opened with any brokerage platform like Pocketful.
Login using Credentials: Log in to your trading app or web platform and enter the name or ticker symbol of the ETF you want to buy (e.g., “NIFTY BEES” or “GOLD BEES”) in the search bar.
Place the order : Check the price of that ETF on NSE or BSE, enter the quantity and click on the ‘Buy’ option.
Delivery will be in Demat Account: Just like the shares are stored in the Demat account, ETF units will also start appearing in the Demat account after the settlement process.

Benefits of Investing in ETFs with Pocketful

If you want to easily invest in ETFs, Pocketful is a great choice. Its modern and user-friendly mobile app is designed specifically for beginner investors.

₹0 Brokerage and ₹0 AMC : There is no brokerage fee charged on delivery of ETFs on Pocketful, and there is also no annual maintenance fee (AMC). This provides investors an opportunity to earn more returns at a lower cost.
Simple interface, easy start : Pocketful is a user-friendly app designed especially for new investors. No complicated process, just sign up and start investing.
Smart Analytics and Data-Driven Recommendations : Pocketful provides investors with market insights, making decisions easier.

Read Also: Read Also: What is Nifty BeES ETF? Features, Benefits & How to Invest?

Track, Review & Rebalance

Investing in ETFs is not limited to just buying at regular intervals. You should monitor your portfolio regularly so that it remains in line with your financial goals. You should follow the below measures to be more profitable:

Active monitoring : You should actively monitor your portfolio to ensure timely booking of profits and check whether the ETF’s performance is equivalent to underlying asset’s performance or not.
Compare Performance : It is important to periodically compare the performance of different ETFs and invest in ETFs with the lowest cost for better returns.
Importance of Rebalancing : Maintaining a balanced portfolio is crucial to protect against market fluctuations. Moreover, an individual should evaluate his financial position and make the required changes to his investment portfolio.
Use of digital tools : Platforms like Pocketful simplify portfolio tracking and rebalancing, allowing for smart and informed investing.

Know the Risks Before Investing in ETFs

ETF investing has many advantages, but it is equally important to understand the risks.

Market Risk: ETF prices change according to market movements. If the price of the underlying asset falls, the value of the ETF may also fall.
Sectoral Concentration: Some ETFs invest only in specific sectors or industries, which can reduce portfolio diversification and increase the risk.
Tracking Error: The purpose of an ETF is to track an index, but sometimes there may be a difference between the ETF performance and the index performance, which is called tracking error.
Liquidity Risk: Less traded ETFs may be difficult to sell, which may cause losses to investors.

Investing in ETFs should be done only after understanding these risks so that better and safer investment decisions can be made.

Taxation on ETFs in India

Type of ETF	Long-Term Capital Gains (LTCG)	Short-Term Capital Gains (STCG)
Equity ETFs	12.5% (Exempt up to ₹1.25 lakh per year)	20%
Gold ETFs	12.5%	Taxed as per income tax slab
Debt ETFs	Taxed as per income tax slab	Taxed as per income tax slab
Other Non-Equity ETFs	12.5%	Taxed as per income tax slab

Conclusion

ETF investing is an easy, affordable and smart way to enter the markets. Be it equity, debt, gold or international ETFs each brings its own benefits. With the right information, research and portfolio monitoring, ETFs can become an effective investment instrument for investors. Nowadays, with the help of platforms like Pocketful, it is even easier to start investing as you can invest in ETFs without paying any brokerage. Now is the time to take the first step towards your financial goals, choose wisely, review regularly and invest for the long term. It is advised to consult a financial advisor before investing.

Frequently Asked Questions (FAQs)

What is an ETF?
An ETF (Exchange Traded Fund) is an investment instrument that tracks the performance of an index, sector, commodity or asset and trades on an exchange like a stock.
Is ETF investment safe for beginners?
Yes, investment in ETFs is considered safe as they usually track diversified indices or precious metals, making them a low-risk investment option for beginners.
Do I need a Demat account to invest in ETFs?
Yes, one needs to have a demat and trading account to invest in ETFs.
Are ETFs better than mutual funds?
Both ETFs and mutual funds have their own advantages. However, ETFs have lower fees and can be easily traded.
What is the minimum amount required to buy an ETF?
Some of the ETFs tracking gold and silver can be bought for as little as ₹100.

May 23, 2025

शेयर मार्केट एक ऐसा फील्ड है जहाँ सही नॉलेज और स्ट्रेटेजी से ही सक्सेस मिलती है। यहां हर दिन कुछ नया होता है, इसलिए अपडेटेड रहना और समझदारी से फैसले लेना बेहद जरूरी है। किताबें न सिर्फ बेसिक कॉन्सेप्ट्स क्लियर करती हैं, बल्कि लॉन्ग टर्म थिंकिंग, रिस्क मैनेजमेंट और इन्वेस्टर माइंड सेट भी बिल्ड करती हैं। खासकर बिगिनर्स के लिए बुक्स एक ठोस आधार देती हैं। इंग्लिश में तो बहुत किताबें है, लेकिन हिंदी में अच्छी क्वालिटी के रिसोर्सेज कम हैं। इसलिए ये किताबों की लिस्ट उन लोगों के लिए है जो हिंदी में शेयर मार्केट को समझना चाहते हैं ।

टॉप 15 शेयर मार्केट बुक्स की लिस्ट – Best Stock Market Book in Hindi

क्रम	किताब का नाम	लेखक	किसके लिए उपयोगी	टॉपिक
1	द इंटेलिजेंट इन्वेस्टर	बेंजामिन ग्राहम	एडवांस	वैल्यू इन्वेस्टिंग
2	वन अप ऑन वॉल स्ट्रीट	पीटर लिंच	इंटरमीडिएट	स्टॉक पिकिंग
3	कॉफी कैन इन्वेस्टिंग	सौरभ मुखर्जी	बिगिनर	लॉन्ग टर्म इन्वेस्टिंग
4	इनवेस्टोनॉमी	प्रांजल कामरा	बिगिनर	भारतीय मार्केट की बेसिक जानकारी
5	द साइकोलॉजी ऑफ मनी (Hindi)	मॉर्गन हॉसल	आल लेवल्स	फाइनेंस बिहेवियर
6	रिच डैड पुअर डैड	रॉबर्ट कियोसाकी	बिगिनर	फाइनेंशियल एजुकेशन
7	द वॉरेन बफेट वे	रॉबर्ट जी. हैगस्ट्रॉम	एडवांस	इन्वेस्टमेंट फिलॉसफी
8	रेमिनिसेंसेस ऑफ़ स्टॉक ऑपरेटर	एडविन लेफ़ेवर	इंटरमीडिएट	ट्रेडिंग साइकोलॉजी
9	बेसिक्स ऑफ़ स्टॉक मार्किट। कम्पलीट गाइड फॉर स्टॉक बिगिनर्स	अरविन्द अरोड़ा	बिगिनर	स्टॉक मार्किट बेसिक्स
10	ऑप्शन ट्रेडिंग से पैसे का पेड़ कैसे लगाएं	एम.सी. कौशिक	इंटरमीडिएट	ऑप्शन ट्रेडिंग
11	ट्रेडनिती	युवराज कलशेट्टी	इंटरमीडिएट	ट्रेडिंग स्ट्रैटेजी
12	कैसे स्टॉक मार्केट में निवेश करें	सीएनबीसी आवाज़	बिगिनर	रिटेल इन्वेस्टमेंट
13	बुल्स, बेयर्स और अदर बीस्ट्स	संतोष नायर	इंटरमीडिएट	इंडियन मार्किट स्टोरीज
14	स्टॉक्स टू रिचेस	पराग पारिख	आल लेवल्स	बिहेवियरल इन्वेस्टिंग
15	द धंधो इन्वेस्टर	मोहनीश पब्बराई	इंटरमीडिएट	लो रिस्क वैल्यू इन्वेस्टिंग

यह भी पढ़ें: 10 भारत के सबसे महंगे शेयर– प्राइस और रिटर्न

यह लिस्ट हर उस रीडर के लिए है जो हिंदी में सीखना चाहता है लेकिन कॉन्सेप्ट्स को डीप और सही तरीके से समझना भी चाहता है।

1. द इंटेलिजेंट इन्वेस्टर

वैल्यू इन्वेस्टिंग को समझने के लिए इसे सबसे ऑथेंटिक और इम्पैक्टफुल किताब माना जाता है। Benjamin Graham ने समझाया है कि कैसे एक इन्वेस्टर को स्टॉक मार्केट में इमोशनल डिसीजन लेने से बचना चाहिए और हमेशा इंट्रिंसिक वैल्यू पर फोकस करना चाहिए। लॉन्ग-टर्म वेल्थ क्रिएट करने के लिए डिसिप्लिन, पेशंस और सही समय पर एक्शन लेना सबसे ज़रूरी है। मार्केट के शॉर्ट-टर्म अप्स एंड डाउन्स से डिस्ट्रैक्ट हुए बिना कन्सिस्टेंट इन्वेस्टिंग ही सफलता की कुंजी है।

मुख्य सीखें :

इंट्रिंसिक वैल्यू से कम पर स्टॉक्स खरीदना चाहिए।
मार्केट के इमोशनल स्विंग्स से दूर रहना चाहिए।
इन्वेस्टिंग में डिसिप्लिन और पेशंस ज़रूरी है।

2. वन अप ऑन वॉल स्ट्रीट

पीटर लिंच की ये किताब बताती है कि आम लोग भी मार्केट में अच्छा परफॉर्म कर सकते हैं अगर वो खुद की रिसर्च करें और अपने आसपास के प्रोडक्ट्स, सर्विसेज़ और ट्रेंड्स पर ध्यान दें। Lynch का फोकस बॉटम-अप अप्रोच और सिंपल बिज़नेस पर रहता है। उन्होंने एक्सप्लेन किया है कि रीटेल इन्वेस्टर्स कैसे अर्ली-स्टेज में मल्टीबैगर स्टॉक्स पकड़ सकते हैं। यह किताब स्टॉक सिलेक्शन में एक प्रैक्टिकल और रिलेटेबल अप्रोच देती है।

मुख्य सीखें :

रोज़मर्रा की ज़िंदगी से इन्वेस्टमेंट आइडियाज़ मिल सकते हैं।
कॉम्प्लेक्स बिज़नेस से ज़्यादा फायदा सिंपल बिज़नेस में होता है।
रिसर्च और ऑब्ज़र्वेशन से अच्छी अपॉर्च्युनिटीज़ मिलती हैं।

3. कॉफी कैन इन्वेस्टिंग

लॉन्ग-टर्म इन्वेस्टिंग को सिंपल और इफेक्टिव तरीके से समझाने वाली ये बुक बताती है कि कैसे हाई-क्वालिटी स्टॉक्स में इन्वेस्ट करके वेल्थ क्रिएट की जा सकती है। Saurabh Mukherjea ने 10 साल से ज़्यादा कन्सिस्टेंट परफॉर्मेंस देने वाली कंपनीज़ को फिल्टर करने की मेथड एक्सप्लेन की है। इस अप्रोच में लो चर्न, पेशंस और डेटा-ड्रिवन सिलेक्शन पर फोकस होता है। बिगिनर से लेकर सीरियस इन्वेस्टर्स तक सभी के लिए ये एक लॉन्ग-टर्म माइंडसेट बिल्ड करने वाली किताब है। मार्केट के अप्स एंड डाउन्स को इग्नोर करके कम्पाउंडिंग कैप्चर करना इसका मेन मैसेज है।

मुख्य सीखें :

क्वालिटी बिज़नेस में लॉन्ग-टर्म होल्ड करो।
फ्रिक्वेंट ट्रेडिंग से रिटर्न्स कम होते हैं।
कन्सिस्टेंसी, परफॉर्मेंस और डेटा एनालिसिस ज़रूरी है।

4. इनवेस्टोनॉमी

इन्वेस्टोनॉमी खासकर बिगिनर्स के लिए है जो इन्वेस्टिंग की जर्नी शुरू करना चाहते हैं। प्रांजल कामरा ने इस किताब में स्टॉक्स, म्यूचुअल फंड्स, रिस्क मैनेजमेंट और इन्वेस्टर साइकोलॉजी जैसे टॉपिक्स को रिलेलेटेबल एग्जाम्पल्स से एक्सप्लेन किया है। हिंदी भाषा में लिखी गई ये किताब कॉम्प्लेक्स फाइनेंशियल कॉन्सेप्ट्स को भी आसान तरीके से समझाने में सफल है। स्टेप-बाय-स्टेप गाइड की तरह स्ट्रक्चर्ड ये बुक लॉन्ग-टर्म इन्वेस्टिंग में डिसिप्लिन और क्लैरिटी लाती है।

मुख्य सीखें :

इन्वेस्टमेंट से पहले नॉलेज ज़रूरी है।
स्टॉक मार्केट में पेशंस और कन्सिस्टेंसी से सफलता मिलती है।
रिस्क और रिटर्न को समझकर प्लान करना चाहिए।

5. द साइकोलॉजी ऑफ मनी

यह किताब बताती है कि पैसा सिर्फ नंबर्स का गेम नहीं, बल्कि बिहेवियर का सब्जेक्ट है। मॉर्गन हॉसल ने बताया कि कैसे इंसान का एटीट्यूड, डिसीजन और माइंडसेट उसकी फाइनेंशियल सक्सेस को डिफाइन करता है। सिंपल लैंग्वेज में एक्सप्लेन किए गए कॉन्सेप्ट्स जैसे ग्रीड, फीयर, कम्पाउंडिंग और सेविंग हैबिट्स, हर इन्वेस्टर को प्रैक्टिकल नजरिया देती हैं। साइकोलॉजी को समझे बिना इन्वेस्टिंग अधूरी है – यही इस किताब का कोर मैसेज है।

मुख्य सीखें :

मनी डिसीजन लॉजिक से नहीं, बिहेवियर से इन्फ्लुएंस होते हैं।
वेल्थ बनाना और वेल्थ बनाए रखना अलग स्किल्स हैं।
कन्सिस्टेंट सेविंग्स और लॉन्ग-टर्म सोच ज़रूरी है।

6. रिच डैड पुअर डैड

फाइनेंशियल लिटरेसी की इम्पोर्टेंस को समझाने वाली ये बुक सिर्फ पैसे कमाने के तरीके नहीं बताती, बल्कि पैसे को सही तरीके से समझने, उसे ग्रो और मैनेज करने की सोच विकसित करती है। रोबर्ट कियोसाकि ने दो विषम सोच – एक रिच डैड (उनके मेंटर) और एक पुअर डैड (उनके असली पिता) के ज़रिए बताया है कि क्यों औपचारिक शिक्षा से ज़्यादा ज़रूरी होती है फाइनेंशियल एजुकेशन। किताब में एसेट्स vs. लाइबिलिटीज, पैसिव इनकम, और फाइनेंशियल फ्रीडम जैसे कॉन्सेप्ट्स को बड़े ही सिंपल और प्रैक्टिकल अंदाज़ में समझाया गया है।

मुख्य सीखें :

एसेट्स खरीदो, जो पैसे बनाएं – सिर्फ इंप्रेसिव चीज़ें नहीं।
फाइनेंशियल एजुकेशन से ही असली ग्रोथ होती है।
पैसिव इनकम बनाना फाइनेंशियल फ्रीडम की कुंजी है।

7. द वॉरेन बफेट वे

यह किताब वॉरेन बफेट के इन्वेस्टमेंट फिलॉसफी को डिकोड करती है। बफेट के फोकस एरियाज़ जैसे – इकोनॉमिक मोट, मार्जिन ऑफ सेफ्टी, और कंपाउंडिंग को डिटेल में एक्सप्लेन किया गया है। रॉबर्ट हैगस्ट्रॉम ने बफेट की स्ट्रैटेजीज़ को केस स्टडीज के जरिए प्रेज़ेंट किया है जिससे एक रीडर आसानी से इनको रियल लाइफ में अप्लाई कर सके। ये किताब बफेट के लॉन्ग-टर्म, वैल्यू ओरिएंटेड एप्रोच को फॉलो करने वालों के लिए एक परफेक्ट गाइड है।

मुख्य सीखें:

कंपाउंडिंग को पकड़ने के लिए टाइम और पेशंस चाहिए।
क्वालिटी बिज़नेस ही लॉन्ग-टर्म में रिटर्न देते हैं।
मार्जिन ऑफ सेफ्टी एक प्राइमरी रूल है।

यह भी पढ़ें: पेनी स्टॉक्स क्या हैं? निवेश के लाभ, जोखिम, और सर्वश्रेष्ठ स्टॉक सूची

8. रेमिनिसेंसेस ऑफ़ स्टॉक ऑपरेटर

रेमिनिसेंसेस ऑफ़ स्टॉक ऑपरेटर एक क्लासिक किताब है जो जेसी लिवरमोर की लाइफ और ट्रेडिंग साइकोलॉजी को दर्शाती है। ये बुक दिखाती है कि कैसे एक आम ट्रेडर अपने अनुभव, गलतियों और सीख से मार्केट मास्टर बनता है। इसमें स्पेक्युलेशन, मार्केट टाइमिंग, और ह्यूमन बिहेवियर के रियल इंसाइट्स मिलते हैं। ये सिर्फ एक कहानी नहीं, बल्कि हर उस ट्रेडर के लिए एक मिरर है जो फास्ट प्रॉफिट के पीछे भागते हैं और इमोशंस में बह जाते हैं। मार्केट में डिसिप्लिन, पेशंस, और साइकॉलॉजिकल कंट्रोल कितना ज़रूरी है, यही इस किताब का मेन मैसेज है।

मुख्य सीखें:

इमोशंस कंट्रोल करना ट्रेडिंग में सबसे ज़रूरी है।
हर लॉस एक नई सीख का मौका होता है।
मार्केट साइकोलॉजी को समझना टेक्निकल एनालिसिस जितना ही जरूरी है।

9. बेसिक्स ऑफ़ स्टॉक मार्किट। कम्पलीट गाइड फॉर स्टॉक बिगिनर्स

स्टॉक मार्केट गाइड फॉर बिगिनर्स एक प्रैक्टिकल और सिंपल किताब है जो खासतौर पर उन लोगों के लिए लिखी गई है जो स्टॉक मार्केट में पहली बार कदम रख रहे हैं। अरविन्द अरोड़ा ने इसमें शेयर मार्केट की बेसिक टर्म्स, ट्रेडिंग और इन्वेस्टिंग के डिफरेंस, डिमैट अकाउंट खोलना, और स्टॉक्स का सिलेक्शन कैसे करें, ये सब आसान भाषा में समझाया है। यह किताब न केवल थ्योरी बताती है बल्कि प्रैक्टिकल नॉलेज और मार्केट बिहेवियर का भी अच्छा गाइड देती है। बिगिनर्स के लिए ये एक बेस्ट स्टार्टिंग पॉइंट है।

मुख्य सीखें:

स्टॉक मार्केट की बेसिक समझ बहुत ज़रूरी है।
ट्रेडिंग और इन्वेस्टिंग में फर्क जानना जरूरी है।
सही नॉलेज से ही रिस्क को कम किया जा सकता है।

10. ऑप्शन ट्रेडिंग से पैसे का पेड़ कैसे लगाएं

ऑप्शन ट्रेडिंग एक एडवांस लेवल की ट्रेडिंग है, और ये किताब इसे बड़े ही आसान और प्रैक्टिकल अंदाज़ में समझाती है। एम.सी. कौशिक ने बताया है कि कैसे सही स्ट्रैटेजीज़, मार्केट मूवमेंट्स की समझ, और रिस्क मैनेजमेंट के साथ ऑप्शन ट्रेडिंग से रेगुलर इनकम और ग्रोथ संभव है। किताब में कॉल ऑप्शन, पुट ऑप्शन, स्टाइकल प्राइस, और टाइम डिके जैसे कॉन्सेप्ट्स को रियल लाइफ एग्ज़ाम्पल्स के साथ समझाया गया है। ये किताब उन ट्रेडर्स के लिए है जो डेरिवेटिव मार्केट को समझना और उसमें प्रॉफिट कमाना चाहते हैं।

मुख्य सीखें :

ऑप्शन ट्रेडिंग में स्ट्रैटेजी और टाइमिंग सबसे ज़रूरी है।
सही रिस्क मैनेजमेंट से लॉस को कंट्रोल किया जा सकता है।
मार्केट ट्रेंड की समझ के बिना ऑप्शन ट्रेडिंग रिस्की हो सकती है।

11. ट्रेडनिती

ट्रेडनिती एक ऐसी किताब है जो ट्रेडिंग की दुनिया को एकदम बेसिक से लेकर एडवांस तक कवर करती है। युवराज कलशेट्टी ने इसमें टेक्निकल एनालिसिस, चार्ट पैटर्न्स, सपोर्ट-रेजिस्टेंस, और इंडिकेटर्स को बहुत ही आसान भाषा में समझाया है। ये किताब खासकर उन लोगों के लिए है जो शॉर्ट-टर्म ट्रेडिंग, इंट्राडे या स्विंग ट्रेडिंग करना चाहते हैं। इसमें मार्केट साइकोलॉजी, रिस्क मैनेजमेंट, और ट्रेडिंग डिसिप्लिन जैसे जरूरी टॉपिक्स को भी बखूबी कवर किया गया है। प्रैक्टिकल एप्रोच और स्टेप-बाय-स्टेप गाइड इसे एक परफेक्ट ट्रेडिंग मैन्युअल बनाते हैं।

मुख्य सीखें:

टेक्निकल एनालिसिस से सही एंट्री और एग्ज़िट डिसाइड की जा सकती है।
ट्रेडिंग डिसिप्लिन और रिस्क कंट्रोल से ही प्रॉफिट पॉसिबल है।
मार्केट साइकॉलॉजी समझना हर ट्रेडर के लिए जरूरी है।

12.कैसे स्टॉक मार्केट में निवेश करें

कैसे स्टॉक मार्केट में निवेश करें एक बेहद उपयोगी और सरल भाषा में लिखी गई किताब है जो बिगिनर्स के लिए एक परफेक्ट गाइड है। इसमें बताया है कि कैसे एक आम इंसान भी बिना किसी फाइनेंस बैकग्राउंड के स्टॉक मार्केट में समझदारी से निवेश शुरू कर सकता है। किताब में फंडामेंटल एनालिसिस, डायवर्सिफिकेशन, रिस्क कंट्रोल, और लॉन्ग टर्म इन्वेस्टिंग की स्ट्रॉन्ग बेसिक जानकारी दी गई है। ये किताब पढ़कर रीडर्स को एक क्लियर माइंडसेट और स्टेप-बाय-स्टेप अप्रोच मिलती है कि कहां और कैसे इन्वेस्ट करें।

मुख्य सीखें:

स्टॉक मार्केट में शुरुआत सोच-समझकर और जानकारी के साथ करनी चाहिए।
फंडामेंटल एनालिसिस से अच्छे स्टॉक्स चुने जा सकते हैं।
लॉन्ग टर्म अप्रोच और डायवर्सिफिकेशन से रिस्क कम होता है।

13. बुल्स, बेयर्स और अदर बीस्ट्स

बुल्स, बेयर्स और अदर बीस्ट्स एक फाइनेंशियल थ्रिलर जैसी किताब है जो भारतीय स्टॉक मार्केट की इनसाइड स्टोरी को मजेदार अंदाज़ में पेश करती है। संतोष नायर ने इसमें 1990s से लेकर 2000s तक के बुल रन, क्रैश, और स्कैम्स को रियल कैरेक्टर्स के ज़रिए बताया है। किताब में बताया गया है कि कैसे ट्रेडर्स, इन्वेस्टर्स, ब्रोकर, और रेगुलेटर्स की दुनिया आपस में जुड़ी होती है।

मुख्य सीखें:

मार्केट सिर्फ नंबर्स नहीं, इंसानों की सोच और लालच से चलता है।
हिस्टॉरिकल घटनाओं से बहुत कुछ सीखा जा सकता है।
मार्केट बिहेवियर को समझना बहुत जरूरी है।

14. स्टॉक्स टू रिचेस

पराग पारिख ने इस किताब में इंडियन स्टॉक मार्केट इन्वेस्टर्स की कॉमन गलतियों को उजागर किया है और बताया है कि कैसे बिहेवियरल फाइनेंस का सही इस्तेमाल करके इन्वेस्टिंग में ग्रोथ पाई जा सकती है। इसमें बताया गया है कि हर्ड मेंटालिटी, ओवर ट्रेडिंग, और शॉर्ट टर्म ग्रेटिफिकेशन कैसे आपके रिटर्न्स को नुकसान पहुंचाते हैं। यह किताब आपको सोचने पर मजबूर करती है कि इन्वेस्टमेंट सिर्फ एनालिसिस नहीं, सेल्फ-कंट्रोल और साइकॉलजी का भी गेम है।

मुख्य सीखें :

बिहेवियरल बायसेस इन्वेस्टिंग में नुकसान कराते हैं।
हाइप से दूर रहकर लॉन्ग-टर्म थिंकिंग ज़रूरी है।
डिसिप्लिन और ऑब्जेक्टिविटी से ही सक्सेस मिलती है।

15. द धंधो इन्वेस्टर

यह किताब कम रिस्क और ज़्यादा रिटर्न वाली इन्वेस्टिंग स्ट्रेटेजीज़ को बेहद आसान भाषा में समझाती है। मोनिश पब्बराई ने वैल्यू इन्वेस्टिंग को रियल-लाइफ बिज़नेस के उदाहरणों और इंडियन इन्वेस्टर्स के पर्सपेक्टिव से समझाया है। इनका मेन फोकस होता है – “Heads I win, tails I don’t lose much”, यानी ऐसा इन्वेस्टमेंट जहाँ घाटे की संभावना बेहद कम हो और फायदा ज्यादा मिले। यह किताब उन लोगों के लिए परफेक्ट है जो सिंपल अप्रोच के साथ लॉन्ग-टर्म वेल्थ बनाना चाहते हैं।

मुख्य सीखें:

कम रिस्क वाले बिजनेस में इन्वेस्ट करके भी अच्छा रिटर्न पाया जा सकता है।
किसी बिजनेस को पूरी तरह समझकर ही पैसा लगाना चाहिए।
सिंपल और टेस्टेड इन्वेस्टिंग मॉडल्स सबसे ज्यादा इफेक्टिव होते हैं।

यह भी पढ़ें: भारत में टॉप 10 सबसे अधिक देने वाले डिविडेंड यील्ड स्टॉक

निष्कर्ष

शेयर मार्केट में सक्सेस पाने के लिए सिर्फ थ्योरी या इनफार्मेशन ही काफी नहीं होती, बल्कि प्रैक्टिकल नॉलेज भी महत्वपूर्ण है। ये बुक्स सिर्फ मार्किट के बेसिक्स ही नहीं समझातीं, बल्कि लॉन्ग-टर्म विज़न, रिस्क मैनेजमेंट और सही साइकोलॉजिकल एप्रोच अपनाना भी सिखाती हैं। खासकर हिंदी में क्वालिटी और रिलाएबल कंटेंट की कमी को देखते हुए, ये टॉप 15 बुक्स की लिस्ट इन्वेस्टर्स के लिए एक बहुमूल्य रिसोर्स साबित होगी। इन किताबों से मिली इनसाइट्स से निवेशकों को बेहतर डिसिशन-मेकिंग में मदद मिलेगी और मार्किट के उतार चढ़ाव में भी वे स्थिर रह पाएंगे।

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अक्सर पूछे जाने वाले प्रश्न

शेयर मार्केट सीखने के लिए सबसे अच्छी किताब कौन सी है?
“कॉफी कैन इन्वेस्टिंग” और “इनवेस्टोनॉमी” बिगिनर्स के लिए बहुत अच्छी हैं क्योंकि ये बेसिक्स और इन्वेस्टिंग मानसिकता अच्छे से समझाती हैं।
क्या हिंदी में शेयर मार्केट की अच्छी किताबें मिलती हैं?
हाँ, कई अच्छी किताबें हिंदी में हैं जो सरल भाषा में कॉम्प्लेक्स फाइनेंसियल कन्सेप्टस समझाती हैं।
शेयर मार्केट की किताबें पढ़ने से निवेश में फायदा होगा?
बिलकुल, सही किताबें इन्वेस्टिंग नॉलेज बढ़ाती हैं और बेहतर निर्णय लेने में मदद करती हैं।
क्या इन बुक्स से ट्रेडिंग भी सीखी जा सकती है?
हां, ऑप्शन ट्रेडिंग से पैसे का पेड़ कैसे लगाएं, ट्रेडनिती जैसी बुक्स ट्रेडिंग के लिए प्रैक्टिकल गाइडेंस देती हैं।
क्या इन बुक्स को पढ़ने के लिए फाइनेंस की बैकग्राउंड ज़रूरी है?
नहीं, इन बुक्स को इस तरह लिखा गया है कि नॉन-फाइनेंस बैकग्राउंड वाले लोग भी आसानी से समझ सकें।

10 भारत के सबसे महंगे शेयर 2026 – प्राइस और रिटर्न

शेयर बाजार में कुछ ऐसे स्टॉक्स हैं जिनकी प्राइस ₹1 लाख से भी ऊपर है, ऐसे शेयरों को देखकर अक्सर यह सवाल उठता है – क्या महंगा मतलब बेहतर? या उसके फंडामेंटल्स स्ट्रांग हैं। कई बार ये सिर्फ सीमित उपलब्धता और कम लिक्विडिटी की वजह से होता है। इस ब्लॉग में जानेंगे भारत के 10 सबसे महंगे शेयरों की पूरी लिस्ट, उनका पिछले एक साल का रिटर्न, और क्या ये इन्वेस्टमेंट के लिए सही हैं या सिर्फ दिखावे के लिए महंगे हैं।

टॉप 10 सबसे महंगे स्टॉक्स की लिस्ट (2026 में)

भारत में कुछ स्टॉक्स इतने महंगे हैं कि उन्हें लक्ज़री इन्वेस्टमेंट कहा जा सकता है। ये कंपनियां स्ट्रांग बिज़नेस और भरोसेमंद परफॉरमेंस के लिए जानी जाती हैं।

नीचे दिए गए टेबल में टॉप 10 सबसे महंगे शेयरों को उनके शेयर प्राइस के हिसाब से डेस्केन्डिंग आर्डर में लिस्ट किया गया है:

कंपनी	कीमत	मार्किट कैपिटलाइजेशन	52-वीक हाई	52-वीक लो
एमआरएफ लिमिटेड	₹ 1,41,014	₹ 59,815 Cr.	₹ 1,43,850	₹ 1,00,500
एल्सिड इन्वेस्टमेंट्स लिमिटेड	₹ 1,32,198	₹ 2,644 Cr.	₹ 3,32,400	₹ 3.53
पेज इंडस्ट्रीज़ लिमिटेड	₹ 46,438	₹ 51,776 Cr.	₹ 49,933	₹ 34,525
हनीवेल ऑटोमेशन इंडिया लिमिटेड	₹ 36,150	₹ 31,895 Cr.	₹ 59,994	₹ 31,025
3एम इंडिया लिमिटेड	₹ 29,201	₹ 32,971 Cr.	₹ 41,000	₹ 25,714
बॉश लिमिटेड	₹ 31,433	₹ 92,708 Cr.	₹ 39,089	₹ 25,922
श्री सीमेंट लिमिटेड	₹ 30,620	₹ 1,10,479 Cr.	₹ 31,865	₹ 23,500
एबॉट इंडिया लिमिटेड	₹ 30,348	₹ 64,490 Cr.	₹ 31,900	₹ 25,260
लक्ष्मी मशीन वर्क्स लिमिटेड	₹ 18,108	₹ 19,345 Cr.	₹ 19,200	₹ 13,450
डिक्सन टेक्नोलॉजीज (India) Ltd	₹ 16,123	₹ 97,120 Cr.	₹ 19,150	₹ 7,933

(As of 14th May 2025)

अधिक जानें – भारत में टॉप 10 सबसे अधिक देने वाले डिविडेंड यील्ड स्टॉक

1-ईयर रिटर्न: किसने दिया सबसे अच्छा फायदा ?

कई बार स्टॉक की प्राइस बहुत हाई होती है, लेकिन उसका वास्तविक प्रदर्शन उतना मज़बूत नहीं होता। पिछले 1 साल में इन टॉप 10 महंगे शेयरों में से कुछ ने अच्छा रिटर्न दिया, तो कुछ ने उम्मीद से कम परफॉर्म किया।

नीचे दिए गए टेबल में भारत के टॉप 10 सबसे महंगे शेयरों को उनके 1-ईयर रिटर्न के हिसाब से डेस्केन्डिंग आर्डर में लिस्ट किया गया है:

कंपनी	1-ईयर रिटर्न
एल्सिड इन्वेस्टमेंट्स लिमिटेड	36,98,341.93%
डिक्सन टेक्नोलॉजीज (India) Ltd	82.15 %
पेज इंडस्ट्रीज़ लिमिटेड	35.78 %
श्री सीमेंट लिमिटेड	22.44 %
एबॉट इंडिया लिमिटेड	15.46 %
एमआरएफ लिमिटेड	8.12 %
लक्ष्मी मशीन वर्क्स लिमिटेड	3.78 %
बॉश लिमिटेड	2.55 %
3एम इंडिया लिमिटेड	-5.88 %
हनीवेल ऑटोमेशन इंडिया लिमिटेड	-27.34 %

(As of 14th May 2025)

टॉप 10 भारत के सबसे महंगा शेयर का शार्ट ओवरव्यू

1. एमआरएफ लिमिटेड

एमआरएफ लिमिटेड की स्थापना के.एम. मैममेन मपिल्लई ने 1946 में की थी। कंपनी ने अपनी यात्रा टॉय बैलून बनाने से शुरू की थी, लेकिन 1952 में यह ट्रेड रबर के निर्माण में कदम रख चुकी थी और चार साल में ही यह बाजार का लीडर बन गई। 1961 में, एमआरएफ ने यूएसए की मैन्सफील्ड टायर एंड रबर कंपनी के साथ साझेदारी की और चेन्नई में अपनी पहली मैन्युफैक्चरिंग फैसिलिटी स्थापित की। उसी साल कंपनी ने भारतीय स्टॉक एक्सचेंज में अपनी सूचीबद्धता प्राप्त की। एमआरएफ दोपहिया वाहनों, कारों, ट्रकों, और यहां तक कि एयरप्लेन के लिए टायर बनाने वाली प्रमुख कंपनी है। कंपनी का मुख्यालय चेन्नई में स्थित है।

2. एल्सिड इन्वेस्टमेंट्स लिमिटेड

एल्सिड इन्वेस्टमेंट्स लिमिटेड, एक नॉन -बैंकिंग फाइनेंसियल कंपनी (NBFC), भारत के महंगे शेयर में एक है । यह कंपनी मुख्य रूप से निवेश गतिविधियों में शामिल है, जैसे कि इक्विटी शेयर्स , डिबेंचर्स , म्यूच्यूअल फंड्स, और अन्य वित्तीय उपकरणों में निवेश करना। दिसंबर 2024 के तिमाही में, कंपनी का एक महत्वपूर्ण निवेश एशियन पेंट्स लिमिटेड में 2.95% की हिस्सेदारी शामिल है। एल्सिड अपने निवेश से लाभांश, ब्याज, और निवेश लाभ के रूप में आय प्राप्त करता है।

पहले एल्सिड के शेयर एकल अंकों में ट्रेड कर रहे थे, लेकिन स्पेशल कॉल ऑक्शन्स के बाद, जो आम तौर पर प्राइस डिस्कवरी के लिए उपयोग किए जाते हैं, कंपनी ने अक्टूबर 2017 से 44.53 लाख प्रतिशत की अभूतपूर्व वृद्धि देखी। इसने एल्सिड इन्वेस्टमेंट्स को एक प्रमुख निवेश कंपनी बना दिया है।

3. पेज इंडस्ट्रीज़ लिमिटेड

पेज इंडस्ट्रीज़ लिमिटेड की स्थापना सुंदर जेनोमल और उनके परिवार ने 1994 में की थी। इस कंपनी ने जॉकी इंटरनेशनल इनकॉर्पोरेशन के साथ एक विशेष समझौता किया, जिसके तहत जॉकी उत्पादों के निर्माण, वितरण और बिक्री का अधिकार भारत, श्रीलंका, बांगलादेश, नेपाल, UAE, ओमान और कतर में प्राप्त किया। 2005 में, कंपनी ने भारतीय स्टॉक एक्सचेंज पर अपनी लिस्टिंग की। इसके बाद, कंपनी ने स्पीडो इंटरनेशनल लिमिटेड से एक विशेष लाइसेंस प्राप्त किया, जिसके तहत भारत में स्पीडो के उत्पादों का निर्माण, विपणन और वितरण करने का अधिकार मिला। कंपनी का मुख्यालय बेंगलुरू में स्थित है।

4. हनीवेल ऑटोमेशन इंडिया लिमिटेड

हनीवेल ऑटोमेशन इंडिया लिमिटेड की स्थापना 1987 में हनीवेल इंटरनेशनल द्वारा भारत में की गई थी। शुरूआत में इसे टाटा प्रोसेस कंट्रोल प्रा. लिमिटेड के नाम से जाना जाता था। 1988 में कंपनी भारतीय स्टॉक एक्सचेंज पर सूचीबद्ध हुई और इसका नाम बदलकर टाटा हनीवेल लिमिटेड कर दिया गया। 2004 में, जब हनीवेल इंटरनेशनल Asia Pacific Inc. ने टाटा ग्रुप की हिस्सेदारी खरीदी, तो कंपनी का नाम फिर से हनीवेल ऑटोमेशन इंडिया लिमिटेड रखा गया। कंपनी आज कई क्षेत्रों में काम करती है, जैसे कि एयरोस्पेस, ऊर्जा, स्वास्थ्य देखभाल, IT, जीवन विज्ञान, और उपयोगिता सेवाएं। इसके उत्पादों का उपयोग वाणिज्यिक, आवासीय और औद्योगिक क्षेत्रों में स्वचालन और नियंत्रण प्रणालियों के लिए किया जाता है। कंपनी का मुख्यालय पुणे में स्थित है।

5. 3एम इंडिया लिमिटेड

3एम इंडिया लिमिटेड की स्थापना 1987 में 3एम कंपनी के एक सब्सिडियरी के रूप में की गई थी, जो एक अमेरिकी मल्टीनेशनल कॉर्पोरेशन है। कंपनी ऑटोमोटिव, इलेक्ट्रिकल, स्वास्थ्य देखभाल, और अन्य उद्योगों के लिए विशेष उत्पाद प्रदान करती है। 3एम इंडिया ने 1991 में भारतीय स्टॉक एक्सचेंज पर अपनी लिस्टिंग की। कंपनी के कुछ प्रमुख ब्रांड्स में स्कॉच ब्राइट, नेक्सकेयर और लिटमैन शामिल हैं। इसके उत्पादन संयंत्र पूरे देश में फैले हुए हैं, जो इसे B2B और B2C दोनों बाजारों की आवश्यकताओं को प्रभावी तरीके से पूरा करने में सक्षम बनाते हैं। कंपनी का मुख्यालय बंगलुरू में स्थित है।

6. बॉश लिमिटेड

बॉश लिमिटेड की स्थापना 1886 में रॉबर्ट बॉश ने जर्मनी में की थी। 1897 तक, कंपनी ने इग्निशन सिस्टम्स में अपनी पकड़ बना ली थी और ऑटोमोटिव इंडस्ट्री के प्रमुख सप्लायर के रूप में उभरी थी। 1922 में कंपनी ने भारत में अपनी एक बिक्री कार्यालय खोला और अगले 30 सालों तक केवल इम्पोर्ट्स के जरिए काम किया। 1951 में मोटर इंडस्ट्रीज कंपनी लिमिटेड की स्थापना हुई, और बॉश ने तुरंत उसकी 49% हिस्सेदारी खरीदी। वहां ईंधन इंजेक्टर और स्पार्क प्लग का उत्पादन शुरू हुआ।

कंपनी ने अपनी पहली मैन्युफैक्चरिंग फैसिलिटी बेंगलुरु में खोली और समय के साथ पुणे, हैदराबाद, कोयंबटूर में R&D फैसिलिटीज और नासिक में एक और मैन्युफैक्चरिंग फैसिलिटी स्थापित की। 1993 में, कंपनी ने भारतीय स्टॉक एक्सचेंज में लिस्टिंग की और 2008 में MICO का नाम बदलकर बॉश लिमिटेड रखा। 2014 में, कंपनी ने भारत में एक आई-केयर समाधान लॉन्च किया और तब से सस्ती आई-केयर के लिए उपकरण विकसित करने में लगी हुई है। कंपनी का मुख्यालय बेंगलुरु में स्थित है।

7. श्री सीमेंट लिमिटेड

श्री सीमेंट लिमिटेड की स्थापना बेनू गोपाल बांगड़ ने 1979 में की थी। कंपनी ने अपनी पहली मैन्युफैक्चरिंग फैसिलिटी राजस्थान में स्थापित की थी। भारतीय इन्फ्रास्ट्रक्चर सेक्टर की बढ़ती जरूरतों को पूरा करने के लिए, कंपनी ने अपनी सीमेंट निर्माण क्षमता को बढ़ाया और वर्तमान में यह भारत का तीसरा सबसे बड़ा सीमेंट निर्माता है। 2012 में, कंपनी ने 300 मेगावॉट क्षमता का एक थर्मल पावर प्लांट स्थापित किया। 2018 में, कंपनी ने यूनियन सीमेंट का अधिग्रहण किया ताकि अपनी उत्पादन क्षमता को और बढ़ा सके। कंपनी का मुख्यालय कोलकाता में स्थित है।

8. एबॉट इंडिया लिमिटेड

एबॉट इंडिया लिमिटेड की स्थापना 1910 में हुई थी और यह एबॉट लेबोरेटरीज की एक सहायक कंपनी के रूप में काम करना शुरू किया था। कंपनी भारत में 400 से ज्यादा ब्रांडेड जनरिक दवाइयों की आपूर्ति करती है, और इसके उत्पाद लगभग 5,00,000 फार्मेसियों में उपलब्ध हैं। इसके अलावा, एबॉट इंडिया डायग्नोस्टिक सॉल्यूशन्स, मेडिकल डिवाइसेस और अन्य न्यूट्रिशनल प्रोडक्ट्स भी प्रदान करती है। 2010 में, कंपनी ने पीरामल हेल्थकेयर सॉल्यूशंस का अधिग्रहण किया, जिससे भारतीय फार्मास्युटिकल सेक्टर में अपनी बाजार स्थिति को मजबूत किया। कंपनी का मुख्यालय मुंबई में स्थित है।

9. लक्ष्मी मशीन वर्क्स लिमिटेड

लक्ष्मी मशीन वर्क्स लिमिटेड की स्थापना डॉ. जी.के. देवराजुलु ने 1962 में की थी, और इसकी मुख्य गतिविधि कपड़ा मशीनरी का निर्माण करना था। इसके बाद, कंपनी ने एक अत्याधुनिक सुविधा स्थापित की, जहां घरेलू और अंतरराष्ट्रीय ग्राहकों के लिए उच्च गुणवत्ता वाली कास्टिंग्स का उत्पादन किया जाता था। 2010 में, कंपनी ने एडवांस्ड टेक्नोलॉजी सेंटर (ATC) की स्थापना की, जिसका उद्देश्य एयरोस्पेस और रक्षा क्षेत्र के लिए आवश्यक घटकों का निर्माण करना था। कंपनी का मुख्यालय कोयंबटूर में स्थित है।

10. डिक्सन टेक्नोलॉजीज (इंडिया) लिमिटेड

डिक्सन टेक्नोलॉजीज (इंडिया) लिमिटेड की स्थापना 1993 में हुई थी और यह इलेक्ट्रॉनिक मैन्युफैक्चरिंग सर्विसेज (EMS) प्रदान करने वाली एक प्रमुख कंपनी है। कंपनी विभिन्न क्षेत्रों में मैन्युफैक्चरिंग करती है, जैसे कि टेलीविजन, मोबाइल फोन, उपभोक्ता इलेक्ट्रॉनिक्स, और घरेलू उपकरण। Dixon ने अपनी मैन्युफैक्चरिंग क्षमता को बढ़ाने के लिए कई आधुनिक फैसिलिटीज स्थापित की हैं और यह भारत में प्रमुख इलेक्ट्रॉनिक्स ब्रांड्स के लिए OEM (Original Equipment Manufacturer) के रूप में काम करती है। 2017 में, कंपनी ने भारतीय स्टॉक एक्सचेंज में लिस्टिंग की और तब से कंपनी ने अपनी बाजार स्थिति को मजबूत किया है। कंपनी का मुख्यालय नई दिल्ली में स्थित है।

महत्वपूर्ण वित्तीय संकेतक – KPI’s जो हर इन्वेस्टर को देखने चाहिए

कंपनी	नेट प्रॉफिट मार्जिन (%)	ROE (%)	ROCE (%)	P/E Ratio	P/B Ratio
एमआरएफ लिमिटेड	6.63 %	10.11 %	13.77 %	32.0	3.36
एल्सिड इन्वेस्टमेंट्स लिमिटेड	74.69 %	1.50 %	1.85 %	14.0	0.19
पेज इंडस्ट्रीज़ लिमिटेड	14.77 %	51.81 %	62.78 %	65.31	33.9
हनीवेल ऑटोमेशन इंडिया लिमिटेड	12.49 %	12.96 %	17.17 %	56.88	7.33
3एम इंडिया लिमिटेड	13.92 %	27.17 %	35.83 %	60.31	20.11
बॉश लिमिटेड	14.88 %	20.66 %	19.48 %	46.04	7.35
श्री सीमेंट लिमिटेड	5.82 %	5.21 %	6.67 %	98.02	5.11
एबॉट इंडिया लिमिटेड	22.06 %	33.41 %	42.09 %	46.15	15.43
लक्ष्मी मशीन वर्क्स लिमिटेड	3.40 %	3.69 %	5.03 %	166.43	6.15
डिक्सन टेक्नोलॉजीज (India)लिमिटेड	2.06 %	21.69 %	24.70 %	126.84	44.97

(उपर्युक्त सभी डेटा मार्च 2025 को समाप्त वर्ष के हैं, सिवाय 3एम इंडिया, बॉश, and डिक्सन टेक्नोलॉजीज (India)लिमिटेड)

हाई प्राइस vs हाई वैल्यू : क्या दोनों एक ही बात है?

हाई प्राइस पर शेयर का मतलब सिर्फ ये होता है कि उस कंपनी के एक शेयर की कीमत ज्यादा है लेकिन इससे यह तय नहीं होता कि वह स्टॉक भविष्य में अच्छा रिटर्न देगा।

वहीं, वैल्युएबल स्टॉक वह होता है जिसका बिज़नेस मॉडल मजबूत हो, जिसकी कमाई स्टेबल हो और जो लंबे समय में कंसिस्टेंट रिटर्न्स दे सके। जरूरी नहीं कि ऐसा स्टॉक बहुत महंगे दाम पर ट्रेड हो।

उदाहरण के तौर पर, ₹1 लाख का कोई स्टॉक सालों तक गिर सकता है, जबकि ₹200 का कोई स्टॉक स्टेबल प्रॉफिट दे सकता है। इसलिए किसी स्टॉक को सिर्फ उसकी कीमत देखकर अंडर वैल्यू या ओवर वैल्यू मानना सही तरीका नहीं है। निवेश से पहले कंपनी की फंडामेंटल्स जरूर चेक करनी चाहिए।

अधिक जानें – पेनी स्टॉक्स क्या हैं? निवेश के लाभ, जोखिम, और सर्वश्रेष्ठ स्टॉक सूची

निष्कर्ष

सिर्फ किसी स्टॉक का हाई प्राइस देखकर उसमें इन्वेस्टमेंट करना समझदारी नहीं होती। जरूरी है कि निवेश से पहले उसकी वैल्यूएशन ,कंपनी की ग्रोथ पोटेंशियल, और पास्ट रिटर्न परफॉरमेंस को अच्छे से समझा जाए। कई बार महंगे दिखने वाले स्टॉक्स फ्यूचर में अच्छा रिटर्न नहीं दे पाते, जबकि कुछ अपेक्षाकृत सस्ते स्टॉक्स स्ट्रांग फंडामेंटल्स के साथ बेहतर प्रदर्शन करते हैं। हमेशा पोर्टफोलियो विविधीकरण बनाए रखें और बिना प्रोपर रिसर्च या सिर्फ नाम देखकर निवेश करने से बचें। स्मार्ट फैसले ही लंबे समय में बेहतर रिटर्न दिला सकते हैं। हालाँकि, निवेश करने से पहले किसी वित्तीय सलाहकार से परामर्श अवश्य लें।

अक्सर पूछे जाने वाले प्रश्न

भारत का सबसे महंगा शेयर कौन सा है?
MRF भारत का सबसे महंगा शेयर है।
क्या महंगे शेयर में निवेश करना सही होता है?
अगर कंपनी के फंडामेंटल्स मजबूत हैं तो हां, ये लंबे समय में अच्छा रिटर्न दे सकते हैं।
महंगे शेयर और वैल्युएबल शेयर में क्या फर्क है?
महंगे शेयर का मतलब हाई प्राइस होता है, जबकि वैल्युएबल शेयर का मतलब स्ट्रांग बिज़नेस और ग्रोथ पोटेंशियल होता है।
क्या महंगे शेयर हमेशा ज्यादा रिटर्न देते हैं?
नहीं, रिटर्न कंपनी की परफॉरमेंस पर निर्भर करता है, सिर्फ प्राइस पर नहीं।
क्या ये शेयर लॉन्ग-टर्म इन्वेस्टमेंट के लिए सही हैं?
अगर कंपनी की ग्रोथ और फंडामेंटल्स मजबूत हों, तो हां ये लॉन्ग-टर्म के लिए बेहतर हो सकते हैं।

May 19, 2025

Category: Investing

Gold ETFs and Gold BeES: A Quick Comparison

Understanding Gold BeES

How Gold BeES Works?

Risks Associated with Gold BeES

Understanding Gold ETFs

How Gold ETFs Work?

Taxation of Gold ETFs and Gold BeES in India (2025)

Risks Associated with Gold ETFs

Who Should Invest in Gold BeES or Gold ETFs?

How to Invest in Gold BeES or Gold ETF Using Pocketful?

Conclusion

Frequently Asked Questions (FAQs)

Is Gold BeES the same as Gold ETF?

Can I invest in Gold BeES without a demat account?

Which is better for beginners – Gold BeES or Gold ETFs?

Are Gold ETFs and Gold BeES backed by physical gold?

How is tax calculated on Gold BeES and Gold ETFs?

What is an ETF?

What is Stock?

ETF vs Stock: Key Differences

Pros and Cons of Investing in ETFs

Pros and Cons of Investing in Stocks

Stocks or ETFs: Which is Better?

Common Mistakes to Avoid While Choosing Between Stock and ETF

Conclusion

Frequently Asked Questions (FAQs)

Which is safer: an ETF or Stock?

Can beginners start with ETFs?

Is it possible to have both an ETF and stocks in a portfolio?

Are ETFs suitable for long-term investment?

Can I trade ETFs like regular stocks?

What is a Corporate Bond?

Features of Corporate Bonds

Types of Corporate Bonds

1. Secured Bonds

2. Unsecured Bonds

3. Fixed Interest Rate

4. Floating Interest Rate Bonds

5. Convertible Bonds

6. Non-Convertible Bonds

7. Callable Bonds

9. Putable Bonds

10. Zero Coupon Bond

Benefits of Investing in Corporate Bonds

Risk of Investing in Corporate Bonds

Factors Influencing the Price of Corporate Bonds

How to Invest in Corporate Bonds?

Conclusion

Frequently Asked Questions (FAQS)

Who is allowed to invest in corporate bonds?

What risks are involved with corporate bond investment?

How can I sell a corporate bond before maturity?

Which is the safest corporate bond based on credit ratings?

Reasons to Invest in Bonds

Top Benefits of Investing in Bonds

1. Stable and Predictable Income

2. Capital Preservation

3. Portfolio Diversification

4.Tax Benefits

5. Aids in Nation-Building and Development of Businesses

6. Shield Against Inflation

Things to Consider Prior to Making Investments in Bonds

1. Interest Rate Risk

2. Credit Risk (Default Risk)

3. Inflation Risk

4. Liquidity Risk

5. Call Risk

Conclusion

Frequently Asked Questions (FAQs)

What is the primary purpose of investing in bonds?

What is the difference between bonds and stocks?

Is it a good idea to invest in bonds for the short term?

Is it possible for bond investments to decrease in value?

What is your recommended course of action for someone interested in starting to invest in bonds?

What is an Index Fund?

Key features in brief:

What is an Exchange-traded fund?

Key features in brief:

Difference Between ETF and Index Fund