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20 Side Income Sources Apart From Full-Time Salary

Over the past few quarters, the inflation rate has been consistently declining, due to which there has definitely been relief for the general public, but salaries are stagnant and expenses on luxury items are constantly increasing. At such a time, it is not right to solely depend on one income. This is the reason why people are now looking for side income sources.

In this blog, we will tell you 20 effective and easy ways to earn extra income, which everyone can start along with their job or studies.

Top 20 Side Income Sources

Everyone’s financial objectives and skill sets are different, so here we have divided 20 income ideas into four different categories – so that you can choose the right option for you. Some side income ideas are entirely online, others cater to creative talents, a few involve financial investments, and several can be pursued on weekends or during your free time.

Category	Side Income Idea
Online & Digital	Freelancing (Writing, Design, Tech)Online Tutoring / Course SellingBlogging / YouTube ChannelAffiliate MarketingSelling Digital Products (eBooks, Templates)
Creative & Passion	Stock PhotographyHandmade Crafts / Instagram StoreVoiceover / PodcastingMusic / Dance / Art ClassesReels / Short Video Content
Investment-Based	Stock Market (Dividends, Trading)Rental Income from PropertyMutual Funds / SIPREITsPeer-to-Peer Lending
Offline	Weekend Food Stall / Café Event Photography / VideographyRent out Vehicle / Tools Delivery Partner (Zomato, Swiggy etc.)Fitness / Yoga Classes

Detailed Breakdown: 20 Side Income Ideas You Can Start Today

A detailed breakdown of 20 side income ideas is given below:

1. Freelancing

In today’s digital era, freelancing is a great way to earn extra money from your skills. If you have any skill like writing, designing, coding or video editing, then you can make good money by working part-time for clients.

How to start: Create a profile on websites like Fiverr, Upwork, Freelancer, prepare a portfolio of past work, and start with small projects.
Who is best for: Students, job professionals, housewives and people who want to use extra time properly.

2. Online Tutoring or Selling Courses

If you have a strong hold on a subject like Maths, English, Coding or Finance then you can teach others online or create a self-paced course.

How to start: Take classes from Zoom or Google Meet, or create and upload your course on platforms like Udemy, Unacademy.
Who is better for: Teachers, students, working professionals and subject experts.

3. Blogging or YouTube Channel

If you like writing or making videos, then by starting a blog or YouTube channel can help you gradually earn income from brand collaborations, ads and affiliates.

How to start: Create blogs on WordPress or start making videos by choosing a niche on YouTube.
Who is better for: Creative thinkers, students, part-time contributors.

4. Affiliate Marketing

Affiliate marketing is a method in which you share the link of a product or service and if someone makes a purchase through your link, you get a commission.

How to start: Join affiliate programs of platforms like Amazon, Flipkart, Zerodha, and share links through blog or social media.
Who is it best for: Bloggers, YouTubers, content creators and digital marketers.

5. Digital Products

If you can create something like resume templates, budgeting sheets, planners or mini eBooks then you can earn passive income without repeated effort.

How to start: Create products with tools like Canva, Notion and upload them on platforms like Gumroad, Payhip.
Who is it best for: Designers, students, writers and creatives.

6. Stock Photography

If you have good photography skills, you can sell your photos on websites like Shutterstock, Adobe Stock and get royalty.

How can you earn: Depends on the quality of the photos and the number of downloads.
How to start: Choose your best quality photos and upload them on stock photo platforms.
Best for: Hobby photographers, travelers and visual content creators.

7. Handmade Crafts / Instagram Store

If you make things like candles, jewelry, art pieces or home decor, you can open your shop on Instagram.

How can you earn: Depends on the uniqueness, pricing and marketing of your products.
How to start: Create a professional page on Instagram, showcase products with good visuals and captions.
Best for: Housewives, artists, students with creative minds.

8. Voiceover or Podcasting

If you have a strong voice and can speak well, voiceover projects or podcasting can also make a strong side income.

How to start: Get a microphone and recording setup, and get started on freelancing sites or platforms like YouTube and Spotify.
Best for: Communicators, speakers, storytellers.

9. Art, Dance or Music Classes

If you are skilled in any art like singing, playing, painting or dancing – then you can generate extra income by taking classes on weekends.

How to start: Add students through word of mouth, local WhatsApp groups or Instagram.
Best for: Artists, hobbyists, homemakers.

10. Making Instagram Reels / YouTube Shorts

Short videos are quite popular these days. You can increase your followers by creating innovative content and can attract brand deals or sponsorships.

How to start: Create content on trending topics, post regularly, and use hashtags correctly.
Who is it best for: Gen-Z, creative people, students, and influencers.

11. Stock Market

Investing in good stocks can provide regular income in the form of dividends over time. Some people also make profits from short-term trading, but it requires proper knowledge and some practice.

How to start: Open a demat account on a platform like Pocketful, Zerodha, Groww or Angel One and start investing.
Who is best for: Working professionals, students and people interested in finance.

12. Real Estate Rental Income

A stable income source can be created by renting out properties like flat, shop or office. This income can be quite good in metro cities.

How to start: List your house or shop on a platform like MagicBricks, 99acres to contact a good tenant.
Who is best for: Those who have property or space to rent out.

13. Mutual Funds / SIP

Investing a small amount every month through SIP can give good returns in the long term. This income is completely based on the market, but the risk is also balanced.

How to start: Create an account on apps like Groww, Paytm Money or Zerodha Coin and start SIP by selecting a fund.
Who is better for: Employed people, beginners in investing and financial planners.

14. REITs (Real Estate Investment Trusts)

Offers an opportunity to invest in real estate without buying property. By buying units in REITs, one can benefit from both rental income and growth.

How to start: One can invest in popular REITs like Embassy, Mindspace through the stock market.
Who is better for: Mid-term investors and people looking for stable income.

15. Peer-to-Peer Lending (P2P Lending)

One can earn side income by lending money to a needy person through the P2P platform and earning interest on it. This is an alternative investment option.

How to start: Start investing by creating an account on RBI registered platforms like Faircent, LenDenClub.
Who is better for: Investors with low risk tolerance and people looking for passive income.

16. Food Truck or Weekend Cafe Stall

Setting up a food truck or stall on a small scale on weekends can be a good source of income. There is always a demand for street food in metro cities, especially for new and unique food items.

How to start: Decide on a location, get an FSSAI license and start with a small menu.
Best for: Food lovers, chefs, etc.

17. Event Photography or Videography

Photography at events such as weddings, birthdays or corporate meetings is a popular side income source. With a creative vision and a little technical knowledge, this work can go a long way.

How to get started: Start with a camera and basic gear, build a client base through Instagram or local networking.
Best for: Photography enthusiasts, students, and creative people.

18. Renting out a car, room or equipment

Many times, there are resources lying around that are not being used like an extra room, bike or camera. You can rent them out to generate regular income.

How to start: List on sites like Zoomcar, Drivezy, Airbnb or Rentomojo.
Best for: Working professionals, travellers and those looking for passive income.

19. Becoming a delivery partner (Zomato, Swiggy, Dunzo)

A stable part-time income can be generated by taking out a few hours from your daily schedule for a delivery job. There is always a demand for food and package delivery in cities.

How to get started: Register on the app, submit bike photographs and documents and choose the shift.
Best for: Students, part-time workers and people with extra time.

20. Fitness trainer or yoga instructor

The passion for fitness is not just limited to health, it can also become a great source of income. Local classes, park sessions or online training can generate good income.

How to start: Start with local parks, societies or online classes.
Best for: Fitness lovers, health experts and certified instructors.

How to Choose the Right Side Income for You

You can decide the right side income for yourself by considering the following points:

Calculate time carefully : Every work requires time, some ideas require a little time every day, like blogging, while some can be done even on weekends, like classes or setting up stalls.
Identify your skills and interests : The work you are comfortable with can turn into side income. Skills like designing, writing, video editing are useful in freelancing, while creative people can create content.
Understand the budget and risk : Some ideas require some investment to start, like the food business or stock market. On the other hand, online tutoring or work on social media can be started without money.
Start Small: Start on a small scale and gradually build a stable client base while learning.
Work continuously : Patience and consistency are what turns your extra efforts into success.

Conclusion

Apart from a full-time job, it is now both necessary and wise to adopt a way to earn side income. Amidst the changing economic situation, rising inflation and future uncertainty, an additional source of income not only provides financial security but also gives a feeling of self-reliance. In today’s era, every skill and every hobby has value – you just need to start in the right direction. Only those who use their time properly and constantly learn something new are able to gradually create a strong second income. Small steps, right thinking and a little patience together can bring about a big change.

Frequently Asked Questions (FAQs)

What is the best side income source in India?
Freelancing, online teaching and content creation are good options.
Can I earn extra income while doing a full-time job?
Yes, many ideas discussed above can be done on weekends or in free time.
Do I need money to start a side income?
Some of the ideas discussed above can be started without any investment.
How much time does a side income source take?
One can start by working 1–2 hours daily to earn a side income.
Is it legal to have side income in India?
Yes, as long as the income is earned in the right way and taxes are paid.

July 7, 2025

Top 10 MNC Companies in India

India’s rapid economic growth has made it a hub for leading multinational companies and global business talent. These firms bring with them cutting-edge technology, global knowledge, and strong financial resources which helps in improving employment opportunities, economy, and life in general in a country.

In this blog, we will look at the top 10 multinational companies in India and how they aid in the advancement of the country.

What are MNC Companies?

Multinational companies (MNCs) as defined by the Foreign MNC Policy 2005 are the companies established or registered in two or more countries and have facilities, offices and subsidiaries in different regions. They have their headquarters in one country but run offices, factories, or stores in different countries.

MNCs are known for their strong brand image, high-quality products, and global business operations. In India, MNCs play a critical role in sectors like information technology, automobile, consumer products, etc. by providing employment and innovative products and services, and foreign capital in the country’s economy.

Top 10 Multinational Companies in India

Company Name	Current Price (₹)	Current Price (₹)	52 Week High (in ₹)	52 Week Low (in ₹)
Reliance Industries	1,507	20,39,614	1,609	1,115
Bharti Airtel	2,015	12,09,167	2,025	1,408
Infosys	1,618	6,72,037	2,007	1,307
ITC Limited	420	5,25,468	495	390
Larsen & Toubro	3,691	5,07,625	3,964	2,965
HCL Technologies	1,730	4,69,464	2,012	1,303
Sun Pharmaceuticals Industries	1,671	4,00,929	1,960	1,498
Wipro	268	2,80,869	325	225
Indian Oil Corporation Ltd	147	2,07,229	186	111
Tata Steel Ltd.	162	2,02,296	178	123

(Data as of 27 June 2025)

Overview of the Top 10 Multinational Companies in India

An overview of the top 10 multinational companies in India is given below:

1. Reliance Industries

Reliance Industries Ltd Is the largest private sector company in the country and was established by Dhirubhai Ambani in 1958. It started as a textiles business and over the years expanded its business operations to petrochemicals, refining, telecom, retail, and energy. After his death, Dhirubhai Ambani’s two sons, Anil and Mukesh Ambani, split up the company. Under Mukesh Ambani’s leadership, the company has soared to new heights by branching out into several sectors, including retail, telecommunications, entertainment, etc. The company’s headquarters is in Mumbai.

Read Also: Reliance Industries Case Study

2. Bharti Airtel

Bharti Airtel Ltd It is a prominent telecom company in the world, was founded by Sunil Bharti Mittal in 1995. It started offering mobile services in Delhi and has now expanded to 18 countries in South Asia and Africa and has over 550 million subscribers. The company has also expanded and diversified from wireless broadband to offer digital payments and various enterprise grade solutions. Some of its key brands include Airtel, Wynk Music, Airtel Xstream, etc. offering mobile, broadband, DTH, payments, digital banking and data services.

Read Also: Bharti Airtel Case Study

3. Infosys

Infosys Ltd was founded in 1981 in Pune and over the years has expanded its business operations in more than 50 countries, delivering IT consulting, outsourcing, and digital transformation services to clients worldwide. The company is renowned for its expertise in artificial intelligence, cloud, and automation solutions. As of 2025, Infosys employs over 340,000 professionals globally, making it one of the largest IT services companies in the world. The company is headquartered in Bengaluru.

Read Also: Infosys Case Study

4. ITC Limited

It is a diversified conglomerate founded in 1910 and headquartered in Kolkata. ITC operates across multiple sectors including FMCG, hotels, paperboards, packaging, agribusiness, and information technology. The company began operating in the hospitality industry in 1975, opening its first hotel in Chennai. In 2001, the company entered the branded packaged foods industry, selling items such as biscuits, noodles, and confectionery. ITC Limited has been using renewable sources of energy to meet nearly 50% of its energy needs. Internationally, ITC exports its products to over 90 countries and has established a global presence through its agri and FMCG businesses.

Read Also: ITC Case Study

5. Larsen & Toubro

In 1938, two Danish engineers, Henning Holck-Larsen and Soren Kristian Toubro, started L&T. It now operates as an Indian multinational company with a strong foothold in technology, engineering, construction, manufacturing, and financial services. L&T was among the first first companies to import machinery and later ventured into manufacturing and construction, becoming one of the key players in India’s industrial and infrastructural growth. It has been instrumental in completing landmark projects like India’s airports, metros, and nuclear power plants. The L&T Group comprises 5 associates, 97 subsidiaries, and 15 joint ventures. Its headquarters are located in Mumbai.

Read Also: Larsen & Toubro Ltd Case Study

6. HCL Technologies

HCL Technologies Founded in 1976 by Shiv Nadar, the company is now one of the biggest IT service firms. Originally focused on hardware, HCLTech shifted its focus in the 1990s to software and IT services. Today, the company provides IT, engineering, cloud, and digital services and operates in over 60 countries, with more than 200 delivery centers and 150 innovation labs worldwide. Its clientele spans diverse industries, including banking, healthcare, automotive, telecommunications, and retail. It has its headquarters in Noida.

Read Also: HCL Technologies Case Study

7. Sun Pharmaceuticals Industries

Sun Pharmaceuticals Industries It is a global pharmaceutical company, founded by Dilip Sanghvi in 1983 and headquartered in Mumbai. Sun Pharma is the fourth largest generic pharmaceutical company in the world, with manufacturing and business operations in over 100 countries. The company is known for its strong presence in the US, Europe, and emerging markets, and it continues to expand its global footprint through acquisitions and partnerships. The corporation operates 43 manufacturing sites and complies with regulations set forth by several regulatory bodies, including the Pharmaceutical and Medical Devices Agency (PMDA) in Japan, the European Medicines Agency (EMA), and the US Food and Drug Administration (FDA).

Read Also: Sun Pharma Case Study

8. Wipro

Founded in 1945 as a vegetable oil company based in Amalner, Wipro shifted its focus towards the IT sector during the 1980s. Now it is the leading global IT, consulting and business process firm with its headquarters in Bengaluru. The company has a workforce exceeding 2,34,000. In 1999 it became one of the few Indian IT companies to be listed on the New York Stock Exchange. Wipro Ltd is headquartered in Bengaluru and offers its services in more than 65 countries.

9. Indian Oil Corporation

It was originally incorporated as Indian Oil Company in 1959. Indian Oil Corporation was formed in 1964 through the merger of Indian Oil Company Ltd. and Indian Refineries Ltd. The company has interests in the entire hydrocarbon value chain ranging from exploration, refining, pipeline transportation and marketing petroleum products. Some of the well known brands and products include Indane (LPG), Servo lubricants and XTRAPREMIUM/XP100 (premium fuels).

Read Also: Indian Oil Case Study

10. Tata Steel

Tata Steel Ltd was established in 1907. Headquartered in Mumbai, the company has a rich legacy in India’s steel industry and played a key role in supplying steel to the defense sector during World War II. In a move to expand its global presence, it acquired Singapore-based NatSteel Holdings in 2004. Since then, it has completed multiple acquisitions both in India and abroad, the most recent being the acquisition of Bhushan Steel Limited in 2018.

Read Also: Tata Steel Case Study

Key Performance Indicators

Company Name	Basic EPS (₹)	Operating Profit Margin (%)	Net Profit Margin (%)	ROE (%)	ROCE (%)
Reliance Industries	51.47	13.50	8.37	8.25	8.70
Bharti Airtel	58	28.42	19.52	29.52	14.72
Infosys	64.50	23.32	16.41	27.87	35.85
ITC	27.79	35.66	46.38	49.61	36.41
Larsen & Toubro	109.36	10.33	6.91	15.39	14.89
HCL Technologies	64.16	20.42	14.86	24.96	30.84
Sun Pharmaceuticals	45.60	27.88	20.88	15.13	19.83
Wipro	12.56	21.26	14.80	15.94	19.03
Indian Oil Corporation Ltd	9.87	2.99	1.58	7.29	8.22
Tata Steel Ltd.	2.74	7.51	1.36	3.75	8.49

(Data as of March 2025)

Factors to Consider before Investing in MNC Stocks

Various factors to consider before investing in MNC stocks are given below:

Company Performance Metrics: Evaluate financial metrics such as profit margins, returns on equity, and debt levels. Strong financial numbers indicate possible growth in the future.
Brand Recognition and Market Presence: Products and services of companies with established brands and significant market presence are in constant demand. A strong customer base helps the company earn stable revenues.
Trends in the Industry and Sector: Assess the growth potential of the sector business operates in as well as the impact of economic cycles and changes in regulations.
Management Structure and Corporate Policy: Experienced management and well-established governance policies helps companies deliver consistent performance over time.
Dividends Policy: High dividends to shareholders makes investing in MNC stocks appealing for investors looking for passive income.
Global Trends and Other factors: Evaluate global economic conditions, foreign currency risks, regulatory frameworks, and others factors that could impact the company’s performance.

Analyzing these factors in detail can help investors make better investment decisions and reduce risk when investing in the shares of multinational companies in India.

Read Also: Top Power Companies in India

Advantages and Disadvantages of Investing in MNCs

Advantages

Good Governance: MNCs listed in India offer a good investment opportunity as they offer greater transparency to investors due to the strict corporate governance policies set by their parent companies according to the best practices worldwide.
Stability and Brand recognition: These companies have a solid international presence and business model, helping them earn stable income streams and be resilient during economic downturns.
Access to Global Technology & Expertise: Investors can obtain indirect exposure to sophisticated technology, research and development, and best global practices brought in by the MNCs, which can foster innovation and market leadership.
Diversification within India: While listed in India, their global presence as well as their diversified product portfolios provide the investors a level of diversification.

Disadvantages

Limited Universe & High Valuations: MNC stocks available in India are relatively few in number, leading to a higher than average P/E ratio which makes these stocks expensive to buy.
Global Headwinds Impact: These companies remain vulnerable to global economic downturns, geopolitical tensions, or shifts in trade policies that would impact operations worldwide. Moreover, operations in different countries results in foreign exchange risk, geopolitical risk, etc.

Advantages and Disadvantages of Investing in MNCs

Advantages

Good Governance: MNCs listed in India offer a good investment opportunity as they offer greater transparency to investors due to the strict corporate governance policies set by their parent companies according to the best practices worldwide.
Stability and Brand recognition: These companies have a solid international presence and business model, helping them earn stable income streams and be resilient during economic downturns.
Access to Global Technology & Expertise: Investors can obtain indirect exposure to sophisticated technology, research and development, and best global practices brought in by the MNCs, which can foster innovation and market leadership.
Diversification within India: While listed in India, their global presence as well as their diversified product portfolios provide the investors a level of diversification.

Disadvantages

Limited Universe & High Valuations: MNC stocks available in India are relatively few in number, leading to a higher than average P/E ratio which makes these stocks expensive to buy.
Global Headwinds Impact: These companies remain vulnerable to global economic downturns, geopolitical tensions, or shifts in trade policies that would impact operations worldwide. Moreover, operations in different countries results in foreign exchange risk, geopolitical risk, etc.

Conclusion

In conclusion, the foreign companies contribute significantly to the Indian economy by providing high quality goods and services and attractive investment returns due to their strong global presence. MNCs in India will continue to aid in the development of the Indian economy in the near future.

Multinational corporations (MNCs) significantly shaped India’s economy by creating jobs, foreign direct investment, and transferring information about modern technologies along with best practices across sectors. Their presence has bolstered infrastructure development, sparked homegrown innovation, and enhanced the participation of Indian firms in global supply chains. Given the bright economic future of India alongside favorable government policies, MNCs are positioned to increase the growth trajectory of the Indian economy and India’s competitive standing worldwide.

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Frequently Asked Questions (FAQs)

What defines a multinational company (MNC)?
An MNC has operations in a number of countries and is involved in manufacturing or providing services in more than one nation.
What makes India attractive to MNCs?
Multinational companies are attracted to India due to its vast market, skilled human resources, and supportive business policies.
How do MNCs impact local businesses?
xcorporations encourage healthy competition which has mixed effects for local businesses. They create more business opportunities through service contracts or buying from local suppliers.
Does India have laws governing operations of multinational c ompanies?
Yes, foreign companies operating in India need to operate as per the relevant laws in India.
Can Indian companies become MNCs?
Definitely, numerous Indian companies are already operating in multiple countries and have become MNCs over the years.

July 7, 2025

Top 10 Food Delivery Stocks in India 2025

The online food delivery industry in India is growing rapidly, valued at around $45.15 billion in 2024 and projected to reach $102.43 billion by 2030. Not just food, services like quick-commerce (Blinkit, Instamart, Zepto) are also driving this growth. The sector has gained more attention with Swiggy’s IPO in November 2024.

In this blog, we will know why investing in India’s top food delivery companies can be beneficial, and what things you should keep in mind.

India’s Online Food Delivery Sector

Online food delivery in India has now become a fast-growing and technology-driven sector. People in small and big cities prefer to order food from mobile apps, and this trend is now visible in the world of investment as well. Today, this industry is not limited to just apps; it has also included new experiments like cloud kitchens, dark stores and quick-commerce models. Many companies have already listed on the stock market, and some are going to list in the near future, making this sector a new opportunity for investors.

What are Food Delivery stocks?

Food delivery stocks are shares of companies that provide food delivery or related services through digital means. This sector can be divided into two types of companies:

Online platform companies : These are companies whose entire business model is based on taking digital orders, connecting with restaurants and managing the delivery network. These companies are usually tech-centric and are rapidly scalable.
Quick service restaurant (QSR) companies : The main business of these companies is to sell food through restaurants, but now they are also developing their delivery service as a parallel business unit. They have strong brand value and customer loyalty, which keeps their revenue stable.

10 Best Food Delivery Stocks Based on Market Capitalisation

Company	Sector / Category	Current Market Price	Market Capitalisation (in INR crore)	52-Week High	52-Week Low
Eternal Ltd (Zomato)	Food Delivery + Quick Commerce	₹ 259	2,49,751	₹ 305	₹ 190
Swiggy Ltd	Food Delivery + Instamart	₹ 385	96,055	₹ 617	₹ 297
Jubilant FoodWorks	QSR (Franchisee)	₹ 688	45,407	₹ 797	₹ 548
Devyani International	QSR (Franchisee)	₹ 174	20,969	₹ 223	₹ 130
Westlife Foodworld	QSR (Franchisee)	₹ 763	11,903	₹ 960	₹ 641
Sapphire Foods India	QSR (Franchisee)	₹ 333	10,694	₹ 401	₹ 242
Restaurant Brands Asia	QSR (Franchisee)	₹ 81.7	4,756	₹ 119	₹ 59.4
Barbeque Nation Hospitality	Casual Dining + Delivery	₹ 313	1,223	₹ 712	₹ 247
Coffee Day Enterprises	Cafe + Online Delivery	₹ 34.6	732	₹ 55.8	₹ 21.3
Speciality Restaurants	Fine Dining + Delivery	₹ 127	613	₹ 199	₹ 114

(Data as of 7 July 2025 )

Read Also: 7 Top Food Stocks in India

Overview of the Top Food Delivery Stocks

An overview of the top food delivery stocks in India is given below:

1. Eternal Ltd.

Zomato started in 2008 as a restaurant discovery platform, but today it is among the largest online food delivery companies in India. The company has expanded its services over time and added verticals like Blinkit (grocery delivery) and Hyperpure (restaurant supply). Zomato’s operations are spread across 800+ cities in the country, and it processes crores of orders every month. Due to technology-driven delivery model, strong user base and continuous innovation, the company has gained a strong foothold in the industry by 2025. With the increase in disposable incomes, Zomato’s potential to scale is getting even better.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
24.25	372	123.02%

(Data as of 7 July 2025)

2. Swiggy Ltd.

Swiggy was launched in 2014 and has now become India’s second largest online food delivery and quick commerce company. In November 2024, the company listed itself on the stock market by bringing an IPO. Apart from food delivery, its Instamart platform is rapidly expanding into grocery delivery. Swiggy is offering its services in 500+ cities and is investing heavily in order fulfillment, AI-based routing and cloud kitchen models. Its rapidly growing user base makes it an attractive investment option in 2025.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-8.44%	NA	NA

(Data as of 7 July 2025)

Read Also: Swiggy Case Study

3. Jubilant FoodWorks Ltd.

Jubilant FoodWorks Ltd is the exclusive franchise holder of Domino’s Pizza in India and also operates international brands like Dunkin’ Donuts and Popeyes. The company was started in 1995 and has become a leading name in the QSR (Quick Service Restaurant) segment. Jubilant offers food services through 1,800+ outlets across India. The company has also diversified its portfolio and included new brands such as Hong’s Kitchen, thereby expanding its business operations and strengthening it.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
20.68	21.60	98.84

(Data as of 7 July 2025)

4. Devyani International Ltd.

Devyani International Ltd is one of the largest QSR companies in the country running franchises of leading brands such as KFC, Pizza Hut and Costa Coffee. It was founded in 1991 and operates under Yum Brands. The company operates over 1,400 outlets in 250+ cities in India and is constantly offering its services across new cities. Devyani has expanded its service to tier-2 and tier-3 cities, thereby strengthening its pan-India presence. Its brand positioning in the QSR segment is quite stable and reliable.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
5.52	6.10	23.79

(Data as of 7 July 2025)

5. Westlife Foodworld Ltd.

Westlife Foodworld Ltd operates McDonald’s India (West and South India). The company has been associated with this franchise since 2010 and offers fast-food services through more than 370+ outlets. Westlife has upgraded its retail network with online ordering, delivery and drive-thru models. The strong brand value of McDonald’s and the company’s reliance on technology for increased efficiency makes it a trusted player in the Indian QSR industry. In 2025, the company’s focus is on offering healthier food options, affordable meals, and great user experience.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-11.16	46.14	132.51

(Data as of 7 July 2025)

6. Sapphire Foods India Ltd.

Sapphire Foods india Ltd operates franchises of KFC and Pizza Hut in the northern and western states of India. It is another key partner company of Yum Brands, which started its operation in 2015. Sapphire is present in large parts of the country with 700+ outlets. The company is constantly adapting its services for on-time delivery of orders and enhanced customer experience. In recent years, its focus has been on expansion of its outlet network and operational efficiency, making it a good option for long-term investment.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
4.38	44.17	22.96

(Data as of 7 July 2025)

7. Restaurant Brands Asia Ltd.

Restaurant Brands Asia (RBA) Ltd operates Burger King in India and also has a franchise network in Indonesia. RBA was founded in 2013 and now offers QSR services through 400+ outlets. The company has gained popularity among the youth due to its budget-friendly menu and fast service. RBA is constantly expanding into new cities and is strongly promoting online ordering. Its multi-geographical presence helps it to have stability in the QSR sector.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-28.36	-26.93	-27.29

(Data as of 7 July 2025)

8. Barbeque Nation Hospitality Ltd.

Barbeque Nation Hospitality Ltd was started in 2006 and has become a popular name for live grill and buffet dining in India. The company has 150+ outlets and is now moving towards online food delivery and cloud kitchen models. Barbeque Nation has always focused on “value for money” and “dine-in experience”, but in 2025 it has also started giving importance to digital platforms and delivery partnerships. Its multi-category approach sets it apart from other QSR brands.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-46.97	-71.38	-36.11

(Data as of 7 July 2025)

9. Coffee Day Enterprises Ltd.

Coffee Day Enterprises Ltd, founded in 2008 and headquartered in Bengaluru, is best known as the owner of India’s largest café chain, Café Coffee Day (CCD). The company operates over 450 outlets across 200+ cities, serving millions of customers annually. Apart from its core café business, it is also involved in coffee exports, vending machines, and allied businesses like hospitality (The Serai resorts) and tech parks. Despite strong brand presence, it has been tackling debt challenges in recent years.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-37.17	-19.98	73.55

(Data as of 7 July 2025)

10. Speciality Restaurants Ltd.

Speciality Restaurants Ltd was founded in 1992 and owns premium dining brands like Mainland China, Oh! Calcutta, Sigree. The company’s specialty is quality dining service with authentic and regional flavors. It is now present across the country through 100+ outlets. Speciality has also recently adopted digital innovations in its menu, tech-enabled ordering and food delivery models. The company primarily focuses on an upscale and loyal customer base, which makes it different from other QSR players.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-26.48	5.43	268.33

(Data as of 7 July 2025)

Key Performance Indicators (KPIs)

The key performance metrics of food delivery companies are mentioned below:

Company	Operating Margin (%)	Net Profit Margin (%)	ROE (%)	ROCE (%)	Debt to Equity
Eternal Ltd (Zomato)	4.20	2.60	1.73	2.63	0.00
Swiggy Ltd	-19.71	-20.45	-30.49	-25.83	0.00
Jubilant FoodWorks	10.33	2.72	10.02	13.07	0.71
Devyani International	5.61	-0.13	0.83	6.57	0.85
Westlife Foodworld	5.62	0.48	2.01	21.35	0.51
Sapphire Foods India	5.20	0.57	1.37	5.81	0.01
Restaurant Brands Asia	-2.81	-9.12	-23.79	-2.67	0.33
Barbeque Nation Hospitality	4.10	-2.19	-7.66	4.84	0.19
Coffee Day Enterprises	5.16	-12.74	-2.24	1.66	0.53
Speciality Restaurants	9.82	5.03	6.64	9.39	0.00

(Data as of March 2025)

How to Analyze Food Delivery Stocks?

Food delivery companies are growing rapidly, but it is not enough to make a decision just by looking at the name or brand popularity before investing in it. As a smart investor, you should deeply understand the foundation of the company’s business and its growth plan.

Growth and order trends : It is important to see how fast the company’s average order value, user base and number of monthly orders are growing. For example, both Zomato and Swiggy have seen a rapid growth in demand in FY25.
Is it making a profit or not : Is the company profitable or not? Zomato has made a profit for the second consecutive quarter, while Swiggy’s grocery delivery segment is now slowly helping reduce its overall losses.
Technology and Innovation : Companies that are using technology like AI to manage order routing systems or cloud kitchens will be more scalable in the future. Instamart and Blinkit are good examples in this case.
Business expansion : Many companies are active not just in food delivery but also in grocery, logistics and supply chain. This diversification of revenues makes them more stable.
Company’s market presence and recognition : Before investing in any stock, it is important to judge the strength of the company’s brand image. In this industry, recognition and customer trust make the biggest difference.

Benefits of Investing in Food Delivery Stocks

Along with rapid expansion, the food delivery industry in India offers several unique benefits for investors. Strong growth, technology-driven models, and brand loyalty make these stocks attractive for long-term portfolios.

Strong growth potential: The sector is projected to more than double from $45 billion in 2024 to $102 billion by 2030, driven by rising online ordering habits across cities.
Diversification into quick-commerce and grocery: Companies are expanding into quick-commerce and grocery delivery (e.g., Blinkit, Instamart), creating multiple revenue streams beyond food delivery.
Technology-driven scalability: Use of AI to manage inventory, cloud kitchens, and efficient logistics make these businesses highly scalable and capable of rapid expansion.
Strong brand value and customer loyalty: Well-known brands like Zomato, Domino’s, and McDonald’s enjoy strong customer trust, helping maintain steady demand even in competitive markets.
Early-stage investment opportunity: India’s food delivery market is still in its early growth phase, giving long-term investors the chance to benefit from future expansion.

Risks & Challenges in Investing in Food Delivery Stocks

Along with expected growth of the food delivery industry, there are some risks associated with it too. Some of these risks are mentioned below.

Heavy cash burn and delayed profitability : Companies like Zomato and Swiggy have been burning cash for a long time. Operational expenses are high, and earnings grow slowly. Zomato has turned profitable in FY25, but Swiggy is still reporting losses. Hence, the road to profitability is a long process.
Tough competition and pricing pressure : There is a constant battle for market share between Zomato, Swiggy and other QSR brands. Companies try to lure customers through discounts, offers and exclusive deals, which puts pressure on margins.
Regulatory risks and labor costs : Food delivery companies depend on thousands of delivery agents. If there is any change in the government policy related to insurance, PF, minimum wage, etc., then their operating costs can increase significantly.
Change in customer behavior : Customer preferences change rapidly. If a new app or service gives a better experience, users can shift immediately. Because of this, maintaining brand loyalty is a big challenge.
Delivery infrastructure and logistics costs : There is always pressure on these companies to deliver more orders in less time. For this, the latest technology, warehouses (dark stores), and a large network of delivery staff are required, which can be very expensive.
Risk of decline in valuation after IPO : Stocks like Zomato and Swiggy saw a lot of growth in the beginning, but the actual profit and growth may be less than expectations of investors.

Read Also: 10 Best Copper Stocks in India

Conclusion

India’s food delivery and QSR industry is growing rapidly, and many listed companies have become attractive investment options. But it is important to understand the business model, growth potential and risk factors carefully before investing. If you have a long-term view, this sector can be a good addition to the portfolio. Consult a financial advisor before investing in any of these companies.

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Frequently Asked Questions (FAQs)

What are food delivery stocks?
Shares of companies that operate in the online food ordering or QSR model that accept online orders are called food delivery stocks.
Which is better, Zomato or Swiggy?
Both have different strengths; Zomato has recently turned profitable while Swiggy’s quick commerce is growing rapidly.
Are food delivery stocks a risky investment?
Yes, these companies face stiff competition and may take a long time to be consistently profitable.
Is this sector good for long-term investment?
If the company is strong and the business model is sustainable, then it can be a good investment option for the long term.
What is the future growth potential of food delivery companies in India?
With the growing number of internet users, increase in disposable incomes and the habit of online ordering in India, this sector is likely to witness rapid growth in the coming years.

July 6, 2025

Rakesh Jhunjhunwala: How He Became India’s Billionaire “Big Bull”

Rakesh Jhunjhunwala, one of India’s most successful and famous investors, is also known as the “Big Bull of India”. Coming from a simple family and starting with just ₹ 5,000, this chartered accountant made his mark in the stock market.

In this blog, we will know how Rakesh Jhunjhunwala made a fortune worth crores, interesting information related to his net worth, and educational background.

Early Life & Education

Detail	Information
Name	Rakesh Radheshyam Jhunjhunwala
Date of Birth	5 July 1960
Place of Birth	Hyderabad, Telangana (then Andhra Pradesh)
Father’s Name	Radheshyam Jhunjhunwala
Education	B.Com (Sydenham College), Chartered Accountant (ICAI)
Profession	Investor, Trader, Businessman
Date of Death	14 August 2022, Mumbai, Maharashtra, India

Rakesh Jhunjhunwala was born in a Marwari family, where the concepts of business and investment were part of everyday conversation since childhood. His father was an officer in the Income Tax Department and was himself interested in the stock market. From here, Rakesh ji’s interest also grew towards the market. From childhood, he used to hear his father talking about shares and gradually he started reading share prices and names of companies in newspapers.

He graduated in commerce from Sydenham College, Mumbai. After this, he started studying chartered accountancy and in 1985 he became a qualified CA. During his studies, he understood that he wanted to make a career in the stock market.

Soon after becoming a CA, he entered the stock market with a capital of ₹5,000. At that time he did not have any big resources, but he had confidence, knowledge of doing research and courage to take risks. This quality makes him different from millions of investors. He understood the market not just as a source of income but as an art and a science – and this thinking earned him the title of “Big Bull of India”.

Read Also: Rakesh Jhunjhunwala Penny Stocks

Starting the Investment Journey

Lets look at the journey of Rakesh Jhunjhnwala in the stock market over the years:

Started Investment Journey with just ₹5,000 : Rakesh Jhunjhunwala entered the stock market in 1985, when he started his investment with just ₹5,000. At that time, the BSE Sensex was only around 150. This was the time when common people considered the stock market as gambling, but Rakesh ji saw it as an opportunity.
Initial Loans from brother’s clients :His conviction and dedication impressed his brother’s clients, who trusted him with ₹2.5 lakh to invest. With this capital, he expanded his initial investment a little and focused on investing in some good stocks.
First big profit : His first notable profit came in 1986, not long after entering the market. At that time, he bought 5,000 shares of Tata Tea at a price of ₹43. In just a few months, this stock reached ₹ 143. That is, his investment grew to almost three times his initial stake. This success was a turning point for him, which convinced him that with research, patience and time, big money can be earned from the stock market.
Gradually built a strong portfolio : After Tata Tea, he identified good companies one after the other and invested in them for the long term. Companies like Sesa Goa, Lupin, Titan, Crisil became part of his portfolio. Rakesh Jhunjhunwala believed that if the fundamentals of the company are strong, then it is beneficial to invest in it for years.
Investment thinking : He did not just buy shares – he understood the company. He always believed in quality business and did not run after popular stocks. He held his investments for the long term, due to which his winners yielded multibagger returns over time.

He always believed in the principle: “Buy right, sit tight.” i.e., invest in the right company and then stay patient.

Rakesh Jhunjhunwala’s Net Worth Over Time

Net Worth Timeline

Year	Estimated Net Worth	Sources and descriptions
1985 (beginning)	₹5,000	Started investing with his own savings
1990	Approx. ₹25 lakhs	Early investment in stocks like Tata Tea, Sesa Goa yielded profits
2002	₹250 crores +	Stocks like Titan, Praj Industries gave tremendous returns
2013	$1.3 Billion (~₹9,000 Cr)	Forbes India Billionaires List
2018	$3 Billion (~₹21,000 Cr)	Growth of Multibagger Stocks
August 2022 (Death)	$5.8 Billion (~₹46,000 Cr)	His net worth before death according to Forbes and ET
January 2025	₹50,310 crore	Based on listed portfolio of RARE Enterprises
March 2025	₹64,552.8 crore	Trendlyne data Public holdings of 27 stocks

Rakesh Jhunjhunwala Per Day Income & Portfolio Strategy

Rakesh Jhunjhunwala’s net worth was around ₹46,000 crores at the time of his death in 2022, which has increased to more than ₹64,500 crores by 2025. The value of his portfolio changes drastically every day due to the market fluctuations. His income cannot be compared to a salary with a fixed amount, but it was completely based on the performance of his invested stocks and dividends received.

Features of Portfolio Strategy : His investment strategy was clear; he held strong companies for the long term and did not believe in frequent trades. He believed that the most effective way to earn profits was to identify quality companies and stay invested for the long term.

Key points of his strategy:

Investment in companies with strong fundamentals
Focus on the quality of management
Clear thinking of long-term growth
Limited portfolio rebalancing

Beyond Stock Market: Akasa Air & Private Ventures

Rakesh Jhunjhunwala wasn’t just a stock market investor he was also a visionary businessman who contributed to India’s economy.

Co‑Founder of Akasa Air : He joined Akasa Air in July 2021 and invested $35 million in the initial round, giving him a nearly 40% stake. He increased his investment to bring his total stake to 46%, making him Akasa Air’s largest stakeholder. Today, Akasa Air’s fleet has expanded to 27 aircraft and offers services across 28 destinations.

Boardrooms & Mentorship : He served on the boards of several companies: places like Aptech, Hungama Digital Media, Praj Industries, Nagarjuna Construction Company, Prime Focus and Geojit Financial Services, etc. Jhunjhunwala wasn’t just an investor; he was a guide to the people trying to establish their businesses.

India‑First Growth Vision : He believed that India’s growth story had just begun. Whether it was the aviation sector or technology, he looked at everything as an opportunity. Akasa Air exemplifies this vision as an airline that not only offers top-notch services but also wants to contribute to India’s economic growth.

Investment Philosophy & Life Lessons

Rakesh Jhunjhnwala’s investment philosophy and life lessons can be summarized in the following points:

Do thorough research and analysis : Rakesh Jhunjhunwala believed that no investment in the stock market should be made without research. He used to invest only after doing thorough research on the fundamentals, management quality and future growth of the company.
Diversification is essential: He always emphasized on diversifying portfolios. He considered it risky to invest all the money in a single sector or stock. He believed that investing in different sectors reduces the risk and ensures stability in the long term.
Buy Right, Sit Tight : His most famous thought was – “Buy Right, Sit Tight”. But this did not mean just buying shares and sitting tight. He used to say that the mark of a real investor is to identify a strong company and trust it for a long time.
Long term vision : Jhunjhunwala believed that the market is not always stable. There will be periods of significant fluctuations, but a wise investor is the one who does not panic at that time; rather trusts his rationale behind investments.

He did not consider investment as just a means of earning money. According to him, every loss is a lesson and every investment is a learning. His mantra was trust knowledge and analysis, not tips.

Life After Death: Legacy, Family, and Impact

The news of the sudden demise of Rakesh Jhunjhunwala on 14 August 2022 left the entire nation stunned. On his demise, everyone from common investors to veteran business leaders paid tribute to him on social media.

After him, his wife Rekha Jhunjhunwala carried forward his investment legacy. The companies included in his portfolio are still standing strong, and the firm RARE Enterprises founded by him is active in the investment world.

Rakesh ji inspired millions to start their investment journey with his thoughts and experiences. Even today, his words “Be patient, keep learning, do research” guide the new generation of investors.

Conclusion

Rakesh Jhunjhunwala’s story tells us that to be successful in the stock market, it is not necessary to start with a huge amount- you just need to have knowledge and the courage to hold your investments during volatile market conditions. The knowledge he has left behind through his decisions remains an inspiration for every investor even today. His journey proves that with discipline, knowledge, and patience, even modest beginnings can lead to extraordinary success in the stock market.

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Frequently Ask Questions (FAQs)

What was Rakesh Jhunjhunwala’s net worth at the time of his death?
His net worth at the time of his death was around ₹46,000 crore.
How did Rakesh Jhunjhunwala start his stock market journey?
He started with ₹5,000 in 1985, when the Sensex was around 150.
What was Rakesh Jhunjhunwala’s daily income?
There is no fixed figure as his net worth fluctuates daily due to change in market prices of stocks he holds.
What was his educational background?
He studied Chartered Accountancy (CA) and graduated from Sydenham College.
Who is managing his investments now?
His wife Rekha Jhunjhunwala and the RARE Enterprises team are carrying forward his investment legacy.

July 5, 2025

SEBI Action on Jane Street: Impact on Indian Markets

Market regulator SEBI has taken strict action against US trading firm Jane Street and banned it from the Indian securities market. Investigation revealed that the firm made unfair profits of about ₹4,843 crores by misusing algorithmic trading on the expiry-day of Nifty and Bank Nifty derivative contracts. This decision has sparked a serious debate on the transparency and credibility of algo trading and quant trading firms in India. This strict action by SEBI shows that bypassing the rules by using automated trading models will no longer be tolerated no matter how influential the firm is.

SEBI’s Charges Explained: Why Jane Street Was Barred?

SEBI has found Jane Street and its affiliates of violating rules of the Indian derivatives market due to deliberate manipulation of index prices. These activities were carried out continuously from 1 January 2023 to 31 March 2025, with additional violations noted in May 2025.

Allegation 1: Intra-Day Index Manipulation

Jane Street made heavy purchases in stocks like Bank Nifty in the morning on expiry days and sold them at the end of the day, creating volatility in the market. They benefited from this in option trading. On January 17, 2024, ₹4,370 crore worth of Bank Nifty futures and its constituent stocks were purchased in the morning, and by the end of the day, the Bank Nifty was brought down by heavy selling worth ₹5,372 crores, which earned them profits worth crores from their position in Bank Nifty index options.

Allegation 2: Marking the Close Strategy

According to SEBI, Jane Street artificially moved the index up and down in the last 30 minutes of the day on several occasions. The purpose of this was to influence the closing value of the index at the time of expiry, which directly benefited them in option trades.

What did the SEBI report say?

SEBI found in its investigation that these trading patterns had no economic basis. The report clearly stated:

“This entire strategy was pre-planned so that the Jane Street Group could make profits and mislead the market.”

For how long did all this last?

This suspicious trading was done from January 2023 to May 2025. SEBI has described it as a pre-planned and malicious scheme, in which crores of rupees were earned by ignoring the rules.

How Jane Street Made the Profits?

Jane Street and its affiliates followed certain trading patterns in Nifty and Bank Nifty index derivatives that were against market rules. According to SEBI’s investigation:

Repetitive Pattern :

SEBI tracked 15 expiry days in which Jane Street first bought Index Futures in large quantities in the morning.
At the end of the day, when the market was about to close, they sold the same futures — causing artificial volatility in the market.

Profit from Options :

By moving the index up or down around the market close on expiry day, they profited from their positions in call or put options.
The prices of these options change significantly at closing, giving Jane Street a huge profit.

SEBI Recovery:

SEBI said that Jane Street Group made an unfair profit of a total of ₹4,843 crore.
This amount is now being recovered and forfeited under the interim order.

What It Means for Jane Street in India?

SEBI has issued a provisional order against Jane Street India and its associated companies –

Ban on trading : SEBI has prohibited Jane Street India from trading, dealing or accessing the Indian securities market. That is, at present they cannot engage in any kind of stock market activity.
Account freezing : SEBI has directed Jane Street’s and its associates to deposit unlawful gains of ₹4,843 crore in an escrow account.
Opportunity to respond in 21 days : Jane Street has been given 21 days in which it can present its side or challenge SEBI’s order.
Final order possible : SEBI has clarified that this order is provisional, but after the investigation is completed, a heavy fine, permanent ban or other strict action is also possible in the final order.

What This Means for Indian Brokers and Traders?

SEBI’s action on Jane Street is now having ripple effects on India’s broking system and small investors, signalling tighter monitoring for the industry.

Rethinking Expiry-Day Trading Risks : Brokers will now have to re-look at high-volume and high-loss-probability trades that take place on the expiry day. This has become a sensitive area after SEBI’s investigation indicated expiry-day manipulation.
Risk Management rules will be more stringent : After this action by SEBI, brokerage houses will have to update their risk management policies. Especially advanced checks and controls will be necessary on trades that cause large price fluctuations.
Pressure will increase on Algo Trading Firms : The filters and trading rules used for algo trading need to be further refined. It will be necessary to ensure that such algorithms do not manipulate the market.
Disclosure required for high-volume clients : Brokers will have to give proper risk disclosures to clients who repeatedly make high-volume trades on expiry-day. SEBI is emphasizing transparency and client awareness.
Surveillance systems become more important : The time has come for all brokers to adopt advanced surveillance tools so that suspicious trading patterns can be caught in real-time. SEBI is now adopting a proactive approach in such cases.

How does it impact Indian markets?

SEBI’s decision to suspend Jane Street’s access is being seen as a strong regulatory action in the Indian stock market. This move makes it clear that the regulator will now keep a strict watch on the activities of algo and quant trading firms, especially when it comes to unfair or manipulative trading patterns.

Jane Street, which earned more than $2.3 billion in net revenue from Indian equity derivatives in 2024 alone, is now directly facing a major setback. Not only their participation in Indian financial markets but their credibility and long-built business network has also been affected.

Conclusion

SEBI’s recent action has made it clear that regulations regarding algorithmic and quant trading in the Indian market are going to become even stricter. The barring of a big global firm like Jane Street can not only shake the trading ecosystem, but can also force all foreign and domestic institutions to rethink compliance and legality of their trading activities. This step can prove to be a turning point for ensuring market transparency and fairness.

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Frequently Asked Questions (FAQs)

Why was Jane Street restricted by SEBI?
SEBI restricted Jane Street due to their unfair trading practices between 2023 and 2025.
How will this affect Indian traders?
This will cause increased regulations for algo traders using expiry day strategies.
Is this a permanent ban on Jane Street?
Not a permanent ban yet as SEBI’s investigation is ongoing.
Will this impact foreign investment in India?
This event concerning Jane Street is not expected to affect the foreign investment.
Will this affect Indian brokers?
Yes, the activity of some expiry-day based traders may be impacted due to tighter regulations.

July 4, 2025

Difference Between RuPay and Visa Card

Most people in India use debit and credit cards these days, but very few know what the name written on their cards like RuPay or Visa means and how they are different from each other. Choosing the right card network is very important as it affects many aspects like security of transactions, convenience and international usage.

This blog explains in detail what is the difference between RuPay and Visa, which card is better for whom, keeping in mind the fees, benefits, acceptance, and global usage of both.

What is a RuPay Card?

RuPay card is India’s own payment card network, which was launched by NPCI (National Payments Corporation of India) in the year 2012. Its purpose was that India does not have to depend on foreign networks like Visa and MasterCard and people can get a cheap, safe and suitable option to make domestic transactions.

Fast and cheap in domestic transactions : Transactions made through RuPay card are processed in India itself, which makes the processing speed fast and the transaction charges are also very low. This is the reason why this card has become very popular especially in small towns and rural areas. Government banks and private banks issue it at a low cost, due to which it is used extensively in Jan Dhan accounts, PM Kisan, and other government schemes.

Types of RuPay Cards

There are many types of cards available under the RuPay network:

RuPay Debit Card : Money is debited directly from the bank account
RuPay Credit Card : For limit based spending
RuPay Prepaid Card : Use after preloading money
RuPay Global Card : For international use

Global expansion of RuPay : In recent years, RuPay has also expanded internationally. RuPay Global cards are accepted at over 42.4 million POS locations and over 1.90 million ATM locations in 185+ countries and territories worldwide. This means that now it is possible to do shopping, ATM withdrawal and online transactions abroad with a RuPay card.

Important role in government schemes : RuPay card is being used in many schemes of the Government of India such as:

Pradhan Mantri Jan Dhan Yojana
PM Kisan Samman Nidhi Yojana
E-Shram Card
Ayushman Bharat Yojana

In these schemes, money is sent directly to the accounts of the beneficiaries through Direct Benefit Transfer (DBT), and in most cases a RuPay card is given.

Read Also: Rupay Case Study

What is a Visa Card?

Visa card is the world’s largest and oldest international payment network, which started in America in 1958. Visa is not a card issued by any bank, but it is a network provider, which allows banks around the world to issue cards. It is used in the form of debit, credit and prepaid cards.

Globally accepted and user-friendly : The biggest strength of Visa card is its global acceptance. Cards on the Visa network are accepted in more than 200 countries, whether it is withdrawing cash from an ATM, shopping at a POS machine or making online payment from international websites. Apart from this, many Visa cards also offer premium features like lounge access, global offers, travel insurance and cashback.

Types of Visa Cards

Banks issue three types of cards on the Visa network:

Visa Debit Card : Directly linked to the bank account
Visa Credit Card : For limit based purchases
Visa Prepaid Card : Used by loading a fixed amount

Advanced in security and technology : Visa cards have security technology like EMV chip, 2-factor authentication, and fraud detection system, which makes transactions secure. Visa’s network called VisaNet is one of the fastest and secure payment processing systems in the world.

Key Differences Between RuPay and Visa Card

Parameters	RuPay Card	Visa Card
Origin	Launched in 2012 by NPCI, supported by the Government of India	Founded by US-based Visa Inc., started in 1958
Transaction Processing	All transactions processed within India, making it faster, cheaper, and more secure.	International processing involves currency conversion and cross-border fees, making it more expensive for foreign transactions
International Acceptance	Accepted in over 185 countries with over 42.4 million POS locations and over 1.90 million ATM locations.	Widely accepted in approximately 195 countries globally directly through Visa’s global network
Fees & Charges	Minimal charges for domestic use; slightly higher for international usage	Higher fees for international transactions due to currency conversion and network charges
Rewards & Benefits	Limited offers; government-issued cards typically don’t offer reward programs	Attractive rewards, cashback, travel benefits, and insurance on many cards
Usage in Government Schemes	Widely used in schemes like Jan Dhan, PM-Kisan, e-Shram, and other DBT programs	Not used directly in government schemes; popular among private users and international travelers
Usage Scope	Ideal for domestic payments, subsidies, ATM withdrawals, and local POS transactions	Suitable for both domestic and international payments
Card Issuance Cost	Low-cost issuance for banks minimal interchange and network fees	Expensive for banks as higher interchange and processing costs

Which Card is Better – RuPay or Visa?

The use of each card depends on the needs – some need the card only for local payments, while others need it for international shopping or travel. Both RuPay and Visa have their own benefits, only the way of using them is different.

Where you’re using it	Which card fits best
Daily expenses like ATM withdrawals or paying at local shops	RuPay
Receiving money from government schemes like Jan Dhan or PM-Kisan	RuPay
Making payments while travelling abroad at ATMs or swipe machines	Visa
Shopping on international websites or global online platforms	Visa
If you’re looking for extras rewards like travel benefits, insurance, or cashback	Visa
Want lower charges and faster domestic processing	RuPay

RuPay is a network that has been created in India, for the people of India. This card is generally better for local transactions, government payments and low charge transactions. Its biggest advantage is that its entire process takes place in India – which makes the transactions fast and secure.

On the other hand, the network of Visa cards is spread all over the world. If someone uses it more for making payments on international websites, or while traveling abroad, then Visa becomes a more suitable option. It also offers some advanced features, like airport lounge access or global insurance cover.

Pros and Cons of RuPay Card

Pros :

All transactions are processed in India, which leads to faster speeds and better data security.
Card issuance is cost effective for banks, which allows users to avail it at low or no charges.
Designed for domestic use easily accessible on ATMs, UPI and POS.
Acceptable and compatible with government schemes like Jan Dhan, DBT schemes etc.

Cons :

Limited acceptance for international transactions; not supported by all countries and websites.
Less or no extra features like rewards, cashback, travel benefits.
The international card variant (RuPay Global) still has a limited network.

Pros and Cons of Visa Card

Pros :

Visa is an international payment network that is accepted in 200+ countries across the world.
Works seamlessly with international websites and travel payments.
Most cards offer features like reward points, cashback, and discount offers.
Some premium Visa cards also come with advanced benefits like airport lounge access, travel insurance, and foreign transaction security.
Visa’s fraud detection technology and secure payment system works at international standards.

Cons :

International processing may lead to additional charges on transactions, such as foreign transaction fees.
For those who use their card only in India, a Visa card is not a must it may seem over featured or overserved.
Some basic Visa cards do not offer special offers or features, which may reduce value for money.

Read Also: Top 10 Best Credit Cards in India

Conclusion

Choosing between Visa and RuPay depends on your needs. RuPay is ideal for affordable, fast, and secure domestic transactions. Its lower fees and strong integration with government schemes make it ideal for local use. Visa suits international travelers and online shoppers, offering wider acceptance and premium perks like rewards and insurance. Assess your spending habits and transaction locations to pick the card that best fits your lifestyle and financial goals.

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Frequently Asked Questions (FAQs)

Which is better: Visa or RuPay?
It depends on whether the transaction is domestic or international.
Can RuPay cards be used internationally?
Yes, RuPay Global card can be used for international transactions in select countries.
Is a Visa card accepted in India?
Yes, Visa cards are accepted worldwide including India.
Does RuPay card offer cashback and rewards?
RuPay cards of select banks offer rewards or cashback, but they are limited.
Are there any charges for using a Visa internationally?
Yes, additional charges may apply for foreign transactions.
Can I have both Visa and RuPay cards?
Yes, one person can own both the cards.

July 4, 2025

10 Best Term Insurance Policies in India 2025

Term insurance has become a necessity in 2025, especially in uncertain financial times where long-term security has become increasingly important. It is an insurance option that provides great financial security to the family’s future goals at a low cost. Today’s insurance companies are providing better claim processes, useful rider benefits and customized plans according to personal needs. This article includes 10 such trusted and popular best term insurance plans, which are becoming the first choice of people this year.

What is Term Insurance and Why is it Important?

Term insurance is a life insurance plan that provides coverage for a fixed period. During this period, if the insured person dies, the nominee gets the entire sum assured. But if the insured person survives till the completion of the policy term, then no amount is received. This is why it is called a “pure protection plan”.

In 2025, term insurance has become smarter and more personalized than before. Insurance companies are now also offering features like flexible plans, digital claim process and health-based premiums. This plan provides high coverage at a low premium, making it one of the most economical ways to ensure your family’s financial security.

Top 10 Best Term Insurance Plans in India

S.No	Term Insurance Plan	Claim Ratio (2023–24 Avg.)	Max Cover Age	Key Riders Available
1	LIC Tech Term Plan	98.5%	80 years	Accidental Death
2	HDFC Life Click 2 Protect Super	99.5%	85 years	Critical Illness, Accidental Death
3	Max Life Smart Secure Plus	99.5%	85 years	Critical Illness, Accidental Death, Waiver of Premium
4	ICICI Pru iProtect Smart	97.9%	85 years	Critical Illness, Accidental Death, Waiver of Premium
5	Tata AIA Sampoorna Raksha Supreme	99.0%	100 years	Accidental Death, Critical Illness
6	SBI Life eShield Next	97.6%	85 years	Critical Illness, Accidental Death
7	Bajaj Allianz Smart Protect Goal	99.1%	99 years	Critical Illness, Waiver of Premium
8	Aditya Birla DigiShield Plan	98.7%	85 years	Terminal Illness
9	PNB MetLife Mera Term Plan Plus	98.5%	99 years	Critical Illness, Accidental Death
10	Kotak Life e-Term Plan	98.6%	75 years	Accidental Death

Top 10 Best Term Insurance In India: Overview

An overview of the top 10 term insurance plans in India are mentioned below:

1. LIC Tech Term Plan

LIC Tech Term Plan is a pure protection plan which is available online only. It does not provide maturity benefit, but in case of death, the nominee is given the entire sum assured. Low premium, accidental rider option and the trust of LIC make it a reliable option.

Key Features

Plan can be purchased online only (no agent required)
Different premium rates for smokers and non-smokers
Guaranteed sum assured in case of death
Option to return policy within 30 days
Lower premium than other offline LIC plans
NRIs can also buy (medical test has to be done in India)

Benefits

Death Benefit: In case of death during the policy term, the nominee gets a fixed amount
Optional Rider: accidental death benefit rider is available
Tax Benefits: Exemption under section 80C on premium and 10(10D) on claim amount
Digital Journey: The entire process is online fast, easy and paperless

Criteria	Details
Entry Age	18 to 65 years
Maximum Coverage	Up to 80 years
Policy Term	10 to 40 years
Minimum Sum Assured	₹50,00,000
Premium Payment	Yearly only
Who Can Buy	Indian citizens (self-only policy)

Read Also: LIC Case Study

2. HDFC Life Click 2 Protect Super

This HDFC Life plan is for those who want more than just regular term insurance. Along with protection, it also has rider options and great customisation features, which make it different from other plans.

Key features

Three options Life, Life Plus, and Life Goal, to suit everyone’s needs
Option to increase coverage in the future (with Life Goal)
Whole Life cover is also available protection up to 100 years
Useful riders like critical illness, accidental death and waiver of premium can also be added
Premium rates are adjusted based on health and lifestyle

Benefits

Flexible Coverage: Plan can be adjusted as per life stage
Critical Illness Rider: Upfront payout in case of critical illnesses
Accidental Death Rider: Additional protection in case of death due to accident
Waiver of Premium: Waiver of future premium in case of disability.
Tax Benefit: Exemption under section 80C and 10(10D)

Criteria	Details
Entry Age	18 to 65 years
Maximum Coverage	Up to 100 years
Policy Term	5 to 85 years (Life cover for whole life option)
Minimum Sum Assured	₹50,00,000
Premium Payment	Annual, Semi-Annual, Monthly
Who Can Buy	Indian citizens (self-only policy)

Read Also: HDFC Bank Case Study

3. Max Life Smart Secure Plus Plan

This plan from Max Life is especially for those who want a simple but reliable term insurance with more options. Along with long-term security, it also offers some benefits that can come in handy in emergencies – like critical illness cover, premium waiver, and accidental benefit rider.

Key features :

Two options Life Cover and Income + Life Cover
Coverage of up to 64 diseases in Critical illness rider
Extra payout in Accidental death rider other than sum assured
Zero-cost term option with premium refund at policy maturity
Return of premium can also be selected to reduce premium

Benefits :

Along with financial protection, health cover is also available
Facility of refund of entire premium in Zero cost option
Ideal for long policy term (more than 40 years)
Policy can be made stronger by adding multiple riders
Tax benefit is available under section 80C and 10(10D)

Criteria	Details
Entry Age	18 to 65 years
Maximum Coverage	Up to 85 years
Policy Term	10 to 67 years
Minimum Sum Assured	₹25,00,000
Premium Payment	Yearly, Half-Yearly, Monthly
Who Can Buy	Indian residents only

4. ICICI Pru iProtect Smart

This plan from ICICI Prudential is a practical and multi-featured option for those who don’t want to limit themselves to just basic protection. This plan not only offers life cover, but also covers multiple aspects like critical illness, disability and accidental death – all in a single policy.

Key features :

Four protection options Life, Life Plus, Life & Health, and All-in-One
Coverage of over 60 critical illnesses without asking for hospital bills
Accelerated Terminal Illness Benefit automatically included
Extra payout from Accidental death benefit option
Consistently high claim settlement ratio.

Benefits :

Protection of both health and life in one plan
Critical illness payout is available even if the policy continues
All-in-One option covers every major risk
Seamless digital journey for medicals and documentation
Tax benefits under Section 80C, 80D and 10(10D)

Criteria	Criteria
Entry Age	18 to 65 years
Maximum Coverage	Up to 99 years
Policy Term	5 to 81 years
Minimum Sum Assured	₹25,00,000
Premium Payment	Yearly, Half-Yearly, Monthly
Who Can Buy	Indian residents only

Read Also: ICICI Bank Case Study

5. Tata AIA Sampoorna Raksha Supreme

This plan of Tata AIA is a term insurance that balances flexibility, lifetime coverage and health benefits. In this, you can add not only protection but also facilities like income benefit, return of premium and critical illness. This plan is a very strong option for long-term family security.

Features :

Four options Life Option, Life Plus, Life Income, and Credit Protect
Option for whole life cover – protection up to 100 years
Cover for 50+ diseases under critical illness rider
Option for return of premium – money back on maturity if there is no claim
Online medical consultation and wellness services also included

Benefits :

Pure protection along with optional income and return benefit
Long-term protection ideal for legacy planning
Can add accidental death and terminal illness cover
Tata AIA’s strong claim settlement record and digital process
Tax exemption under Section 80C and 10(10D)

Criteria	Details
Entry Age	18 to 65 years
Maximum Coverage	Up to 100 years
Policy Term	10 to 40 years (Life cover for whole life option)
Minimum Sum Assured	₹50,00,000
Premium Payment	Annual, Semi-Annual, Monthly
Who Can Buy	Indian citizens (self-only policy)

6. SBI Life eShield Next

SBI Life eShield Next is a pure term insurance plan that offers life cover along with flexibility and smart protection keeping in mind future responsibilities. This policy is specially designed to financially cover unplanned life events. The cover increases automatically as the life stage increases. There are three options available: Level Cover, Increasing Cover and Level Cover with Future Proofing Benefit which allows customizing the plan as per the need.

Key Features :

Flexibility with three plan options (Level, Increasing, Future Proofing)
Accelerated Terminal Illness Benefit
Death Benefit in lump sum or monthly instalments
Rider options like Accidental Death Benefit
Tax exemption u/s 80C and 10(10D)

Criteria	Details
Entry Age	18 years
Maximum Entry Age	65 years
Policy Term	10 to 85 years (max maturity: 85 yr)
Minimum Sum Assured	₹50,00,000
Premium Payment	Regular / Limited / Single Pay
Claim Payout	Lump sum / Monthly / Hybrid

Read Also: SBI Case Study

7. Bajaj Allianz Smart Protect Goal

This plan of Bajaj Allianz has been designed keeping in mind the modern needs. Not only life cover, but benefits like health and return of premium are also available. There is an option of Zero Cost Term Insurance, which means along with protection, money can also be returned on maturity like an investment.

Key Features :

4 options: Life Cover, Child Education Extra Cover, Return of Premium, and Increasing Cover
Whole life coverage option up to 99 years
Comprehensive cover of 55 critical illnesses
Zero cost term option full premium returned on policy maturity
Accidental permanent total disability benefit included

Benefits :

All-round plan covering both critical illness and disability
Return of premium option for those who want maturity value
Ideal for long-term financial planning
Add-ons like spouse cover and waiver benefit available
Tax saving under sections 80C and 10(10D)

Criteria	Details
Entry Age	18 to 60 years
Maximum Coverage	Up to 99 years
Policy Term	10 to 99 years
Minimum Sum Assured	₹50,00,000
Premium Payment	Yearly, Half-Yearly, Monthly
Who Can Buy	Indian residents (Self/spouse option available)

Read Also: Bajaj Auto Case Study

8. Aditya Birla Sun Life DigiShield Plan

Aditya Birla DigiShield Plan is a customisable term insurance plan that offers over 10 plan options to suit different life needs. This policy is a perfect combination of flexibility and protection whether your preference is pure life cover, critical illness cover or income payout. The highlight of this plan is its ‘Whole Life Cover’ option, which provides protection up to the age of 100 years.

Key Features:

10+ plan options like Level Cover, Income Benefit, Whole Life Option
Critical Illness, Terminal Illness and Accidental Death Riders available
Income benefit payouts (options like monthly income)
Life stage benefit – As soon as a new phase comes in your life (marriage, childbirth), coverage can be increased
Tax benefits as per Section 80C & 10(10D)

Criteria	Details
Entry Age	18 years
Maximum Entry Age	65 years
Policy Term	10 to 85 years (or up to age 100)
Minimum Sum Assured	₹25,00,000
Premium Payment	Regular / Limited / Single Pay
Claim Payout	Lump sum / Monthly / Hybrid

9. PNB MetLife Mera Term Plan Plus

PNB MetLife Mera Term Plan Plus is a comprehensive and flexible term insurance policy that ensures long-term financial security for you and your family. The most special feature of this plan is the option of spouse cover, which means you can cover your spouse in a single policy. Also, this plan offers options like return of premium and increasing life cover, which gives you personalized protection at every turn of life.

Key Features:

Spouse coverage option in a single policy
Options like Return of Premium (ROP) and Increasing Life Cover
Accidental Death Benefit, Serious Illness, and Waiver of Premium riders available
Claim payout flexibility lump sum, monthly income or combination
Tax exemption on premiums (Section 80C & 10(10D))

Criteria	Details
Entry Age	18 years
Maximum Entry Age	60 years
Policy Term	From 10 to 99 years old
Minimum Sum Assured	₹25,00,000
Premium Payment	Regular / Limited / Single Pay
Claim Payout	Lump sum / Monthly / Hybrid

10. Kotak Life e-Term Plan

Kotak e-Term Plan is a pure protection plan that gives your family financial independence in case of your sudden death. The biggest feature of this plan is its flexibility. You can choose the cover type as per your requirement: Level Cover, Increasing Cover or Step-down Cover. There are also multiple payout options and optional riders available so that the plan easily aligns with your lifestyle.

Key Features:

Three cover options: Level, Increasing & Step-down
Claim payout flexibility: Lump sum, monthly income or both
Optional riders for Critical illness, Accidental Death Benefit and Permanent Disability
Lower premium rates if you buy online
Tax benefits under Sec 80C and 10(10D)

Criteria	Details
Entry Age	18 years
Maximum Entry Age	65 years
Policy Term	5 to 40 years
Minimum Sum Assured	₹25,00,000
Premium Payment	Regular / Limited / Single Pay
Claim Payout	Lump sum / Monthly / Hybrid

Conclusion

In 2025, term insurance is more than just financial protection—it is a key component of smart financial planning. Choosing the right term insurance plan has become easier and more convenient than ever before. You just need to make the right choice based on your needs, age and lifestyle. If your goal is to secure your family’s financial future, a good term insurance plan is essential. It is advised to consult a financial advisor to determine your current financial position and future objectives and then choose a term insurance plan accordingly.

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Frequently Asked Questions (FAQs)

Which is the best term insurance plan in India 2025?
It may vary from individual to individual, but LIC Tech Term, HDFC Click 2 Protect Super and ICICI iProtect Smart are the most popular and trusted options in 2025.
What is the ideal age to buy a term insurance plan?
The age of 20 to 35 is considered most appropriate because the premium is low and long-term cover is available.
Can I get my premium back if I survive the policy term?
Yes, if you have taken a plan with Return of Premium (TROP), then you get the premium back on maturity.
Are medical tests necessary for buying term insurance?
Yes in most cases, but in some low-cover or instant policies insurance can be obtained even without medical insurance
Can I increase my sum assured later?
Some plans have life-stage benefits through which you can increase the cover on occasions like marriage, birth of a child etc.

July 2, 2025

UltraTech Vs Ambuja: Which is Better?

The cement industry in India is growing rapidly, especially due to increased demand in infrastructure and housing sectors. UltraTech and Ambuja are two of the biggest and most trusted names in this sector. Both companies are quite different from each other in terms of their business model, production capacity, and growth strategy.

In this blog, we will compare UltraTech Vs Ambuja based on business model, financials, and future plans to understand which company may be a better choice for investors.

Company Overview : UltraTech Cement

UltraTech Cement, which is part of the Aditya Birla Group, is one of the largest cement companies in India and one of the top cement companies in the world. It was started in 1983 and since then it has achieved many big milestones. Currently, UltraTech has a total production capacity of 152.7 million tonnes per annum, which includes grey cement, white cement and ready mix concrete (RMC). In FY25, the company had sales of around 119 MTPA, which shows its growth.

It has more than 60 manufacturing locations across the country including plants, grinding units and bulk terminals. Recently two new greenfield projects have been started in Chandigarh and Tamil Nadu, which has further increased its capacity. The company aims to achieve the target of 200 MTPA by 2027, for which UltraTech has made acquisitions of companies such as Kesoram and India Cements. UltraTech exports cement not only in India but also abroad. It has a presence in the Middle East and other Asian countries.

Business Model of UltraTech Cement

Earnings from different products : UltraTech’s business is not limited to manufacturing grey cement. The company also manufactures and sells white cement (Birla White) and ready-mix concrete (RMC). These different products allow UltraTech to connect with every type of customer – be it large infrastructure projects or domestic construction.
Strong network spread across the country : UltraTech has more than 60 manufacturing units in different parts of the country and a huge distributor network. This is the reason why its cement reaches easily from small villages to big cities.
Entry in new sector : Apart from cement, the company has now also entered the business of wires and cables. An investment of about ₹ 1800 crore has been made for this and this new step will further accelerate the growth of the company in the coming time.
Focus on sustainability : UltraTech is also serious about the environment. The company is now meeting more than 46% of its electricity needs from green energy, which includes 1,021 MW renewable energy capacity and 342 MW of Waste Heat Recovery Systems (WHRS).
Expansion through acquisitions : UltraTech has recently acquired brands like Kesoram and India Cements. These acquisitions will increase the company’s production capacity and it is set to take it to 200 MTPA by 2027.

Read Also: Ultratech Cement Case Study

Company Overview : Ambuja Cement

Ambuja Cement started in Gujarat in 1983. Earlier it was a company of Holcim, but in 2022 Adani Group bought it. Since then Ambuja’s growth has become very fast. Now it has become a big part of Adani’s cement business. The company has 6 big plants, 18 grinding units and 79 Ready-Mix Concrete (RMC) plants in the country. Currently its production capacity is around 77 million tonnes per annum, but Ambuja is preparing to increase it to 140 million tonnes in the next few years.

In the last quarter, Ambuja’s earnings were above ₹ 8,400 crore and profit reached close to ₹ 2,600 crore, which was double from last year. The company has also bought big companies like Sanghi Industries, Penna Cement and Orient Cement, which has strengthened its network. Ambuja aims to gain 20% market share in the coming years.

Business Model of Ambuja Cement

Products and Services : Ambuja Cement primarily manufactures grey cement, as well as supplies Ready-Mix Concrete (RMC) and building materials. Its products are used for everything from small houses to large infrastructure projects such as roads, bridges, and buildings. The company is known for its quality and durability.
Logistics : The company has its own ports, which ensures cheap and quick delivery of raw materials. This logistics network helps Ambuja deliver its products in a quick and cost-effective manner across the country.
Expansion and Acquisitions : Along with the Adani Group, Ambuja has acquired companies like Sanghi, Penna and Orient Cement. This has increased its manufacturing capacity and now it has a strong position in India.
Green Energy : Ambuja gets 21.5% of its energy from solar and Waste Heat Recovery. The company wants to increase this percentage to 60%, so that there is less harm to the environment.
Technology : The company is investing in digital technology and automation, which is making manufacturing processes faster and cheaper and quality of its products better.

Comparative Analysis: UltraTech Vs Ambuja

Particulars	UltraTech Cement	Ambuja Cements
Current Price (₹)	12,072	577
Market Cap (₹ Crores)	3,55,747	1,42,011
52-W High (₹)	12,341	707
52-W Low (₹)	10,048	453
FII Holdings as of March 2025	15.71%	8.60%
DII Holdings (as of March 2025)	16.85%	17.30%
Book Value (₹)	2,399	217
PE Ratio	58.2	34.3

(Data as of 30 June 2025)

Financial Statements Analysis

Particulars	UltraTech Cement	Ambuja Cements
Total Income	76,699	37,699
Total Expenses	67,510	31,573
EBIT	9,189	6,125
Net Profit	6,050	5,145

(All values are in INR crores and the data is as of March 2025)

Balance Sheet Comparison

Particulars	UltraTech Cement	Ambuja Cements
Reserves & Surplus	70,411	52,950
Current Liabilities	32,364	13,845
Current Assets	23,737	19,717

(All values are in INR crores and the data is as of March 2025)

Cash Flow Statement Comparison

Particulars	UltraTech Cement	Ambuja Cements
Cash Flow from Operating Activities	10,673	2,237
Cash Flow from Investing Activities	-16,504	-7,531
Cash Flow from Financing Activities	5,075	5,592

(All values are in INR crores and the data is as of March 2025)

Key Performance Ratios (KPIs)

Particulars	UltraTech Cement	Ambuja Cements
Operating Profit Margin (%)	12.22	17.53
Net Profit Margin (%)	7.96	14.68
ROE (%)	8.54	7.79
ROCE (%)	9.16	9.16
Debt to Equity (x)	0.33	0.00

(Data as of March 2025)

Who is better: UltraTech Or Ambuja?

UltraTech and Ambuja, both are big names in the cement industry of our country. Talking about UltraTech, its biggest strength is its huge network. Its plants are present in almost every part of the country, so its production is also very high. The company has also invested well in technology and green energy, through which it is trying to make its production process more sustainable and modern.

On the other hand, Ambuja Cement has its own identity. This company places a lot of emphasis on quality and is very smart in logistics. After joining with Adani Group, Ambuja has strengthened its hold especially in South and West India. Ambuja’s policies regarding environmental protection are also clear and effective.

It is difficult to say who is better, because both have a lot of strength in their respective fields. UltraTech focuses on large-scale production and market coverage, while Ambuja has focused on its energy saving technology and regional expansion. The presence and work of both is very important in the development of our country’s infrastructure.

Read Also: HCL Vs Infosys: Which is Better?

Future plans of UltraTech Cement

Expansion and capex plans : UltraTech Cement is planning to increase its production capacity to around 200 million tonnes in the coming 3-5 years. For this, the company has made large-scale capital expenditure (Capex) plans, which will be spent mainly on setting up new plants and increasing the capacity of existing plants. Apart from India, the company is also focusing on expansion abroad, especially in the South Asian market.
Focus on Green Cement and ESG : UltraTech has made environmental protection its priority. The company is rapidly adopting green cement and carbon footprint reducing technologies. It is increasing investment in Waste Heat Recovery Systems, Solar Energy and Clean Technologies. UltraTech is also working on making its business more sustainable and responsible under ESG (Environmental, Social, Governance).
Risks and Opportunities : UltraTech may face increased raw material prices and regulatory challenges. But the growing demand for infrastructure in the country and government projects will also provide a good opportunity to the company. Investment in technology and green innovation will make UltraTech stronger in the future.

Future plans of Ambuja Cements

Capex and Expansion Plans : Ambuja Cement aims to increase its capacity to around 140 million tonnes by FY28. Under the Adani Group, the company is setting up new plants on a large scale and expanding regionally through acquisitions. The company is gaining ground in South and West India, especially with Sanghi, Penna and Orient Cement.
Green Energy and ESG Focus : Ambuja has around 21.5% of its energy from Solar and Waste Heat Recovery and plans to increase it to 60% by FY28. The company is a pioneer in environmental protection and strictly follows ESG standards. These steps are helping the company to build a low carbon emission brand.
Risks and Opportunities : Changes in raw material prices and logistics costs can be a big threat for Ambuja. Nevertheless, Adani’s strong network and acquisition strategy will give the company an opportunity to expand into new markets. Investments in green technologies will make Ambuja competitive in the future.

Conclusion

Both UltraTech and Ambuja are making steady progress based on their respective business plans. UltraTech is focused on increasing production capacity and adopting the latest technologies, while Ambuja is prioritizing environmental protection and regional expansion. Each company has strengthened its business operations with different strategies. Both are playing an important role in the economic growth of India and will continue to be crucial in meeting the increasing demand of cement in the future.

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Frequently Asked Questions (FAQs)

What makes UltraTech different from Ambuja?
UltraTech focuses on mass production and technology, while Ambuja focuses more on quality and environment.
Which company has a better presence in India?
UltraTech has a larger network, but Ambuja is a strong player particularly in South and West India.
Are UltraTech and Ambuja focusing on sustainability?
Both companies are focusing on green energy and environmental protection through various initiatives.
Which company is part of the Adani Group?
Ambuja Cement now comes under Adani Group.
Are both companies expanding their production capacity?
Yes, both UltraTech and Ambuja are investing to increase their capacity.

June 30, 2025

Tata Technologies Vs TCS: Which is Better?

Tata Technologies and TCS are both IT companies under the Tata Group, but their business focus is quite different. On one hand, there is TCS, one of the largest IT companies in the world, offering custom IT solutions to its clients. On the other hand, Tata Technologies is a key player in the field of manufacturing and engineering innovative solutions through extensive R&D.

In this blog, we will discuss how these two companies are different, what their business model is, and their future business plans. If you want to understand what these companies do in detail, then this blog is for you.

Company Overview: Tata Technologies

Tata Technologies was established in 1989 as an engineering division of Tata Motors. Later, in 1994, it started operating as an independent company. Headquartered in Pune (Maharashtra), today the company is known for its presence worldwide, including the US, Europe, China, Japan, Singapore and South-East Asia.

The company’s main focus is on engineering and product development services, especially for the automobile, aerospace, and industrial machinery sectors. Tata Technologies’ mission is – “Engineering a better world” i.e. creating a better world through technology.

Today, the company has more than 12,000 employees globally and is led by Warren Harris, who has been associated with Tata Technologies since 2005. Tata Technologies is considered a leading company providing innovation-driven solutions due to in-depth R&D, furthering the legacy of the Tata Group in shaping the future of various industries.

Business Model – Tata Technologies

Tata Technologies’ business model is divided into two major parts:

Engineering Services : The company provides services such as design, product development, virtual simulation and embedded systems. Its main focus is on the automotive and manufacturing industry.
Technology Solutions : The company works on digital technology, product lifecycle management (PLM) software, smart factory solutions and EV technology platforms. Its key digital tools include in-house developed platforms such as eVMP, TRACE and FactoryMagix.

Tata Technologies helps clients get to market faster by providing end-to-end engineering and digital innovation solutions.

Read Also: Tata Technologies Case Study

Company Overview: TCS

TCS i.e. Tata Consultancy Services was founded in 1968, and today it is considered one of the largest IT service companies not only in India but in the world. It is one of the most valuable companies of the Tata Group, headquartered in Mumbai. TCS started as a simple data processing unit, but over time it has become a leader in providing services like digital transformation, cloud computing, artificial intelligence and consulting. The company is today led by CEO K. Krithivasan, who assumed the role in 2023. TCS has a client base spread across more than 50 countries, and its offices are located in US, Europe and Asia. The company serves almost every major sector such as banking, finance (BFSI), healthcare, retail, telecom and energy.

Business Model – TCS

TCS’ business model is entirely based on IT services and digital solutions:

Core Services : The company offers services such as application development, IT consulting, infrastructure services, and cloud migration.
Digital & Innovation : TCS’ focus on innovation in AI, data analytics, cybersecurity, and IoT keeps it at the forefront of technological changes.
Long-Term Engagements : The company’s revenue model is mostly based on long-term projects and managed services contracts.

TCS enables end-to-end digital transformation for its global clients, making it a trusted technology partner.

Read Also: TCS Case Study

Comparative Analysis: Tata Technologies Vs Tcs

Particulars	Tata Technologies	TCS
Current Price (₹)	700	3,439
Market Cap (₹ Crores)	28,413	12,44,206
52-W High (₹)	1,136	4,592
52-W Low (₹)	595	3,056
FII Holdings as of March 2025	3.10%	12.04%
DII Holdings (as of March 2025)	2.48%	11.56%
Book Value (₹)	88.2	262
PE Ratio	41.9	25.6

(Data as of 26 June 2025)

Financial Statements Analysis

Income Statement Comparison

Particulars	Tata Technologies	TCS
Total Income	5,292	2,59,286
Total Expenses	4,355	1,93,159
EBIT	936	66,127
Net Profit	672	48,797

(All values are in INR crores and the data is as of March 2025)

Balance Sheet Comparison

Particulars	Tata Technologies	TCS
Reserves & Surplus	3,498	94,394
Current Liabilities	2,683	53,001
Current Assets	4,672	1,23,012
Other Assets	1,679	13,878

(All values are in INR crores and the data is as of March 2025)

Cash Flow Statement Comparison

Particulars	Tata Technologies	TCS
Cash Flow from Operating Activities	699	48,908
Cash Flow from Investing Activities	-88	-2,318
Cash Flow from Financing Activities	-486	-47,438

(All values are in INR crores and the data is as of March 2025)

Key Performance Ratios (KPIs)

Particulars	Tata Technologies	TCS
Operating Profit Margin (%)	18.12	25.89
Net Profit Margin (%)	13.01	19.11
ROE (%)	18.91	51.24
ROCE (%)	23.53	62.01
Debt to Equity (x)	0.00	0.00

(Data as of March 2025)

Who is better : Tata Technologies or TCS?

Tata Technologies and TCS, the companies may seem similar, but their focus is different. Tata Technologies focuses on where machines need detailed understanding like cars, airplanes or large factory machines. The company specializes in designing, testing and running things virtually.

On the other hand, TCS is a company that provides IT solutions to companies operating in various industries. Be it banks or hospitals, schools or government offices TCS makes work easier everywhere with its software and technology. Both are strong in their respective fields. Tata Technologies focuses on a few industries but designs customized solutions due to its expertise. On the other hand, TCS touches every sector and is spread across the world.

So it is difficult to say which one is “better”. It completely depends on the future financial performance of these firms, the growth potential of the sectors they are involved in and your risk tolerance.

Future Plans of Tata Technologies

Tata Technologies has sharpened its vision for 2025. The company has strengthened its vision with the tagline “Engineering a Software‑Defined Future” by focusing on client-centric strategies, embedded systems and next-gen vehicle solutions.

Mentoring client-centric teams : For Jaguar Land Rover, Tata Motors and other global automakers, the company has created dedicated leadership teams that will be aligned with each client’s needs.
Focus on Embedded Systems and SDV (Software-Defined Vehicles): The crucial component of their business strategy is SDV i.e. vehicles that operate through software. Tata Technologies aims to deliver customized and comprehensive solutions– that is, everything from architecture to implementation. Innovations like ADAS, automated parking, and smart cockpit design are now part of the company’s core offerings.
Growth in Aerospace and Heavy Machinery : The company is no longer just dependent on the automobile sector; innovation hubs are being created for aerospace and industrial machinery to accelerate design and virtual prototyping.
The power of digital platforms : In-house platforms such as eVMP, TRACE and FactoryMagix are being further strengthened to enable smart factories and digital twins.

Global R&D expansion : New R&D networks are being created in Asia, the US and Europe to provide direct support to local clients. There is also a strong focus on ESG, quality of electric vehicles and sustainable manufacturing.

Future Plans of TCS

In 2025, TCS has accelerated growth by keeping its overall approach digital-first and creating separate directions in AI and cloud.

Launching AI and Cloud as independent verticals : TCS has recently split its AI.Cloud unit into two separate verticals—AI and Cloud—with the aim of focusing more deeply and strategically on each technology area.
“Human + AI” model : Chairman N. Chandrasekaran said that TCS is now training AI agents and humans to work together. This will lead to increased automation, productivity and decision-making without losing the human touch.
Global innovation hubs : TCS has created facilities for AI, IoT and cybersecurity trials by opening new innovation centers in Cincinnati, USA and Paris, France to accelerate cross-border experiments.
BFSI and industry-specific digitalisation : The company is rapidly expanding into new markets especially the UK and India—with SaaS, cloud, AI solutions in the banking and insurance sectors.

Partnerships and skill development : TCS has forged collaborations with major tech partners like AWS, Google Cloud and Xerox. Also, they have provided generative AI training to 3.5 lakh employees.

Conclusion

Tata Technologies and TCS were established for different purposes. One made its mark in developing innovative designing and manufacturing solutions, while the other consolidated its position as a key global IT player. Both have different visions, ways of working and customer base. So instead of comparing, it is more important to understand how each company is adapting to the changing IT landscape. You are advised to consult a financial advisor before investing in any of the companies.

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3	ITC vs HUL: Comparison of India’s FMCG Giants
4	IndiGo vs SpiceJet: Which is Better?
5	Tata Motors Vs Ashok Leyland: Which is Better?

Frequently Asked Questions (FAQs)

Are Tata Technologies and TCS part of the same group?
Yes, both are Tata Group companies but their areas of work are different.
What is the main difference between Tata Technologies and TCS?
Tata Technologies specializes in engineering and design solutions, while TCS provides IT services and digital solutions.
Which company is larger in terms of global presence?
TCS’s global network and client base is much larger than Tata Technologies.
Do both companies serve the same industries?
No, Tata Technologies mainly provides innovative solutions for the automobile and manufacturing sector, whereas TCS develops IT solutions for almost every industry.
Is one company better than the other?
Both companies are strong players in their respective fields, who is better depends on the future financial performance and your risk tolerance.

June 27, 2025

Multibagger Penny Stocks for 2025

Everyone dreams of discovering the next multibagger stock before it gains everyone’s attention. If that stock happens to be a penny stock, the potential for returns is even greater because you can accumulate more shares with a smaller investment. These are shares of companies that trade at low prices but have the potential to offer multibagger returns if things go right.

In this blog, we will explore some multibagger penny stocks that have generated huge returns in the past few years.

What are Multibagger stocks?

How do Penny Stocks Turn Into Multibaggers?

Penny stocks are those low-priced shares of smaller companies, often trading under ₹50 or ₹100. Some of them have the potential to turn into multibaggers over time. Let us see why this happens

1. Since these stocks trade at low prices, even small improvements in the financial performance of the company can lead to big gains in stock price.

2. If a struggling company with a listed penny stock fixes its problems, like reducing debt or making profits again, the stock price can rise sharply.

3. New products or expanding into new markets often catch investor attention, which can establish a new bullish momentum in its stock price.

4. When promoters increase their stake or big investors such as FII and DII start showing interest, it’s usually a positive sign.

List of Multibagger Penny Stocks

Company	CMP (In INR)	Market Capitalization (In Crores)	52-Week High (In INR)	52-Week Low (In INR)	5 YEARS Return (%)
Integrated Industries	23.2	540	44.9	17.2	77,233.33%
East India Drums & Barrels Manufacturing	75.2	111	75.2	0	39,478.95%
Hazoor Multi Projects	40	860	63.9	32	33,100%
Flomic Global Logistics	69.8	127	80	52	16,519.05%
Sejal Glass	492	497	679	304	3,011.11%
Dolphin Offshore	371	1,485	766	200	2,554.57%

(Data as of 26 June 2025)

Note: The stocks mentioned above were penny stocks 5 years ago; their current prices can be higher.

Overview of Multibagger Penny Stocks in India 2025

An overview of the penny stocks that have delivered multibagger returns in the past 5 years is given below:

1. Integrated Industries

Originally incorporated in August 1995 as Integrated Technologies Limited, the company rebranded to Integrated Industries Limited in July 2023 to align with its broader business focus. Under the leadership of Saurabh Goyal & Sanidhya Garg, the company moved from electronics to manufacturing and trading of organic food, bakery items, and processed foods.

Furthermore, Integrated Industries acquired Nurture Well Foods Pvt. Ltd. in May 2023, including a biscuit manufacturing plant in Neemrana, Rajasthan, that sells products under brands like Richlite, FunTreat, and Canberra.

2. East India Drums & Barrels Manufacturing

Founded in 2013 by Mr. Madhav Valia, East India Drums & Barrels Mfg. Ltd. (EIDB) is a leading manufacturer of industrial drums and barrels, headquartered in Daman. With additional plants in Karjat and Sonipat, it now rolls out over 3 million units a year, employs more than 350 people.

EIDB manufactures a variety of industrial packaging solutions,

Close-Top Drums – Sealed units for liquids and semi-liquids.
Open-Top Drums – Removable lids, ideal for solids and semi-solids.
Gooseneck Drums – Designed for easy loading/unloading.
Composite & Galvanised Drums – For chemical, fragrance, and solvent industries.

3. Hazoor Multi Projects

Founded in 1992 as Hazoor Media & Power Ltd., the company initially focused on real estate and commercial projects in Mumbai. In 2007, it officially rebranded to Hazoor Multi Projects Ltd., suggesting a strategic shift toward broader infrastructure and construction activities.

Over the years, HMPL shifted its focus toward road construction and Infrastructure EPC (Engineering, Procurement & Construction), especially due to contracts from MSRDC on both EPC and HAM models of execution.

4. Flomic Global Logistics

Founded in 1981 as Vinaditya Trading Company Ltd. in Maharashtra, the firm shifted focus over the decades to logistics services. In 2019–20, Flomic Freight Services Pvt. Ltd. was merged into the company, and in September 2020, it rebranded to Flomic Global Logistics Ltd., reflecting its evolved identity. Flomic is now a full-spectrum logistics provider and offers ocean & air freight forwarding, domestic transport via air and rail, and customs services at all major EXIM points, etc.

5. Sejal Glass

Sejal Glass started in 1991 as a small retail outlet in Malad, Mumbai, called “Sejal Glass House,” founded by Amrutbhai S. Gada. It focused on trading and custom-cutting decorative glass for interior and exterior use.

By 1992, they launched their first processing unit, Sejal Glass Craft Pvt Ltd, outfitted with CNC machinery from Italy, to scale up production. Sejal transitioned into a public limited company in March 1999, with commercial production of insulating glass starting in 2000 and toughened glass in 2001.

6. Dolphin Offshore

Dolphin Offshore Enterprises (India) Limited was established in 1979 by Rear Admiral Kirpal Singh and Shavax A. Lal with a vision to offer professional diving and underwater engineering services, primarily supporting India’s offshore oil exploration efforts at Bombay High.

In its initial years, Dolphin partnered with several leading international companies, including Taylor Diving & Salvage (then part of Halliburton) and Global Marine Drilling. These alliances helped the company establish its expertise in accomplishing offshore projects.

Key Performance Indicators

Company	Operating Profit Margin (%)	Net Profit Margin (%)	ROE (in %)	ROCE (in %)	Debt-to-Equity
Integrated Industries	9.07	8.69	21.69	22.58	0
East India Drums & Barrels Manufacturing	4.33	1.32	18.97	26.04	2.65
Hazoor Multi Projects	11.08	6.26	8.73	11.41	0.43
Flomic Global Logistics	3.76	0.73	7.88	17.41	0.79
Sejal Glass	11.44	4.49	28.77	15.51	4.16
Dolphin Offshore	65.89	62.79	17.06	11.15	0.6

(all the figures mentioned above are as of March 2025)

Conclusion

While penny stocks do come with higher risks, they also bring the excitement of discovering hidden gems before the rest of the market notices and make substantial profits. The ones we’ve talked about here have delivered multibagger returns over the past 5 years, and better financial performance in the future could turn them into even bigger winners in the coming years. However, it must be kept in mind that past performance is not indicative of future performance and thus you should analyze these companies thoroughly before investing in these shares.

Investing in penny stocks requires caution, patience, and thorough research. Always diversify your portfolio, focus on businesses with real potential, not just cheap prices, and avoid putting large sums into speculative bets.

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Frequently Asked Questions (FAQs)

Are penny stocks safe to invest in?
They carry higher risks due to low liquidity and business uncertainty. Do thorough research before investing.
How long should I hold penny stocks?
If the company has consistently improved financial performance over the years and is expanding rapidly, then long-term holding can result in multibagger gains.
Can penny stocks make you rich?
Some penny stocks in the past have created massive wealth, but many fail, too. Success depends on choosing the right businesses early.
Do penny stocks pay dividends?
Rarely. Most small companies reinvest profits into business growth instead of paying dividends.
Where can I buy penny stocks?
You can buy them by opening a demat and trading account with stock brokers like Pocketful.

June 26, 2025

Blog

20 Side Income Sources Apart From Full-Time Salary

Top 20 Side Income Sources

Detailed Breakdown: 20 Side Income Ideas You Can Start Today

1. Freelancing

2. Online Tutoring or Selling Courses

3. Blogging or YouTube Channel

4. Affiliate Marketing

5. Digital Products

6. Stock Photography

7. Handmade Crafts / Instagram Store

8. Voiceover or Podcasting

9. Art, Dance or Music Classes

10. Making Instagram Reels / YouTube Shorts

11. Stock Market

12. Real Estate Rental Income

13. Mutual Funds / SIP

14. REITs (Real Estate Investment Trusts)

15. Peer-to-Peer Lending (P2P Lending)

16. Food Truck or Weekend Cafe Stall

17. Event Photography or Videography

18. Renting out a car, room or equipment

19. Becoming a delivery partner (Zomato, Swiggy, Dunzo)

20. Fitness trainer or yoga instructor

How to Choose the Right Side Income for You

Conclusion

Frequently Asked Questions (FAQs)

What is the best side income source in India?

Can I earn extra income while doing a full-time job?

Do I need money to start a side income?

How much time does a side income source take?

Is it legal to have side income in India?

Top 10 MNC Companies in India

What are MNC Companies?

Top 10 Multinational Companies in India

Overview of the Top 10 Multinational Companies in India

1. Reliance Industries

2. Bharti Airtel

3. Infosys

4. ITC Limited

5. Larsen & Toubro

6. HCL Technologies

7. Sun Pharmaceuticals Industries

8. Wipro

9. Indian Oil Corporation

10. Tata Steel

Key Performance Indicators

Factors to Consider before Investing in MNC Stocks

Advantages and Disadvantages of Investing in MNCs

Advantages

Disadvantages

Advantages and Disadvantages of Investing in MNCs

Advantages

Disadvantages

Conclusion

Frequently Asked Questions (FAQs)

What defines a multinational company (MNC)?

What makes India attractive to MNCs?

How do MNCs impact local businesses?

Does India have laws governing operations of multinational c ompanies?

Can Indian companies become MNCs?

Top 10 Food Delivery Stocks in India 2025

India’s Online Food Delivery Sector

What are Food Delivery stocks?

10 Best Food Delivery Stocks Based on Market Capitalisation

Overview of the Top Food Delivery Stocks

1. Eternal Ltd.

2. Swiggy Ltd.

3. Jubilant FoodWorks Ltd.

4. Devyani International Ltd.

5. Westlife Foodworld Ltd.

6. Sapphire Foods India Ltd.

7. Restaurant Brands Asia Ltd.

8. Barbeque Nation Hospitality Ltd.

9. Coffee Day Enterprises Ltd.

10. Speciality Restaurants Ltd.

Key Performance Indicators (KPIs)

How to Analyze Food Delivery Stocks?

Benefits of Investing in Food Delivery Stocks

Risks & Challenges in Investing in Food Delivery Stocks