Blog

What is Non-Repatriable Demat Account? Meaning and Definition

If you are an NRI with earnings in India and are looking for an option to deploy this income and earn returns, there are various options such as equities, mutual funds, bonds, etc. However, to invest in these assets, you are required to open a non-repatriable demat account.

In this blog, we will explain to you what a non-repatriable demat account is, and how it works.

What is a Non-Repatriable Demat Account?

A Non-Repatriable Demat Account can be opened by non-resident individuals who wish to invest in shares, bonds, and mutual funds in India. There are certain restrictions on the transfer of funds of these accounts, i.e. the income earned on investments held in these accounts cannot be easily transferred out of India. Non-repatriable means funds cannot be freely transferred abroad, but remittance is allowed up to $1 million per financial year, subject to conditions. As it is mandatory to hold shares, etc., in electronic form in a demat account, a non-repatriable demat account makes sure that funds are not easily transferable from India.

Key Features of Non-Repatriable Demat Account

The key features of a non-repatriable demat account are as follows:

NRO Bank Account: The non-repatriable demat account must be linked with the Non-Resident Ordinary bank account.
Restricted Remittance of Securities: The holdings in a non-repatriable demat account cannot be freely transferred out of India easily.
PIS: A non-repatriable account generally does not require a separate PIS (Portfolio Investment Scheme) account for buying and selling shares.
Transaction: It allows NRI investors to hold and sell securities on the stock exchange easily.

How a Non-Repatriable Demat Account Works

A non-repatriable demat account is specially for NRIs. Let’s see how this non-repatriable demat account works:

Investment: The non-repatriable demat account is used by an NRI to invest funds earned in India into Indian securities such as bonds, shares, mutual funds, etc.
Restriction on Transferring Funds: The funds in a non-repatriable demat account are not freely transferable. The interest and principal amount from the account can be transferred only after deducting tax.
NRO Account: The non-repatriable demat account is only for NRIs, and only a Non-Resident Ordinary (NRO) can be linked with a non-repatriable demat account.
Limited Investment: An NRI can invest only up to 5% in a company’s paid-up capital through these accounts.

Example of Non-Repatriable Demat Account

Let’s understand how a non-repatriable demat account works through an example.

Mr. A has been an NRI working in Dubai for the last five years. He owns a flat in New Delhi, which he rented out for ₹20,000 per month. He wishes to invest the rent received from this flat into mutual funds in the form of an SIP. For this, he is required to open an NRO bank account, after which he needs to open a demat account, which is non-repatriable in nature, as he wishes to invest in mutual funds through a demat account. He linked his NRO bank account to his non-repatriable demat account and bought mutual funds. The principal and interest earned on the investment can be repatriated up to $1 million annually.

Difference Between Repatriable Demat Account and Non-Repatriable Demat Account

There are certain differences between Repatriable and Non-Repatriable Demat Accounts, which are as follows:

Particulars	Repatriable Demat Account	Non-Repatriable Demat Account
Objective	Freely invest in India and transfer funds to another country.	To invest in India and retain income within the country.
Bank Account	Only an NRE (Non-Resident External) account can be linked with a repatriable demat account.	A NRO (Non-Resident Ordinary) bank account is allowed to be attached to this demat account.
Fund	One can invest their foreign income and overseas savings through a repatriable demat account.	Income earned in India can be invested through a non-repatriable demat account.
Repatriation	Repatriation is allowed in this demat account as both principal and gains can be easily transferred to another country.	Repatriation of principal and interest earned is allowed up to $1 million per year.
Taxation	Some incomes may be exempted.	The income and gains generated through this demat account are fully taxable in India.
PIS Scheme	It requires PIS permission.	It does not always require PIS permission, as there are certain non-PIS routes available.
Limit	There is no limit on repatriation funds from this account.	There is a limit defined by the RBI to remit money from a non-repatriable demat account.
Suitability	This account is ideal for NRIs who wish to move funds out of India.	It is suitable for NRIs who want to keep their funds and use them in India.

Conclusion

On a concluding note, a non-repatriable account is mandatory for an NRI who wishes to invest in India and does not want to take the income outside. You can easily open a non-repatriable demat account with a registered stockbroker. However, there are certain restrictions placed by the RBI regarding the transfer of funds from this demat account, therefore, if you are an NRI and wish to invest income generated in India in the Indian stock market, then you must consult your investment advisor.

Frequently Asked Questions (FAQS)

Can anyone open a non-repatriable demat account?
Only an NRI (Non-Resident Individual) and any Person of Indian Origin (PIO) can open a non-repatriable demat account.
Which account is required to link with a non-repatriable demat account?
Only an NRO (Non-Resident Ordinary) bank account can be linked with a non-repatriable demat account.
Can I transfer funds to any other country from a non-repatriable demat account?
No, you cannot transfer funds from a non-repatriable demat account; however, the RBI has allowed certain exemptions through which you can transfer funds up to $1 million annually.
In which financial investment option can we invest through a non-repatriable demat account?
An NRI can invest in stocks, mutual funds, IPOs, ETFs, and Bonds through a non-repatriable demat account.
Can I convert a non-repatriable demat account to a repatriable demat account?
No, you cannot convert a non-repatriable demat account to a repatriable one. For this, you must close your existing account and open a new repatriable demat account.

June 12, 2025

Lenskart Case Study: History, Marketing Strategies, and SWOT Analysis

India has a population of more than 140 crores and is a great market for eyewear. For the past many years, there have been eyewear shops available in local areas where one used to go and buy glasses. However, since 2010, a company has drastically changed the Indian eyewear industry by including technology, affordability, and a personalized experience for the consumer. The company is called “Lenskart”.

In this blog, we will dive deep into Lenskart’s history, marketing strategies that made it successful, and SWOT analysis.

Overview of Lenskart Company

Lenskart is an Indian eyewear brand founded in 2010 and is one of Asia’s largest eyewear brands. The company has changed the landscape of the Indian eyewear industry by offering users convenience to choose from a wide variety of spectacles from home. Customers can select the eyewear through their online store by trying it on using 3D technology. Later, the company also opened their offline stores as well.The company headquarters are situated in Gurugram.

History of Lenskart

The history of Lenskart can be divided into two phases: foundation and expansion.

Foundation

Lenskart was founded in 2010 by Peyush Bansal, along with two other individuals, Amit Chaudhary and Sumeet Kaphai.
Peyush was a former Microsoft employee and a dropout of IIM Bangalore.
Initially he started Valyoo Technologies, which has four verticals such as watchkart, bagskart, jewelskart and lenskart.
Among all the ventures, Lenskart emerged as the most promising one.

Expansion

The company initially began as an eyewear retailer offering them at the lowest prices.
In 2013, it introduced home eye checkup services that were not provided by any other player in the market.
The company introduced a 3D technology through which a user can try eyewear virtually.
In 2017, the company opened its retail store and began as an omnichannel model.
By 2019, the company had opened more than a hundred stores across the country.
By 2020, the company was valued at $1 billion and achieved the status of a unicorn.
In 2021, the company began its manufacturing facility in Rajasthan.
In 2022, The company acquired a controlling stake in a Japanese eyewear retail chain named OWNDAYS for $400 million.
The company recently raised over $200 million from Temasek and Fidelity.
The company opened more than 2,000 stores around the world, prominently in countries of Southeast Asia, UAE, and the USA.

Marketing Strategy of Lenskart

Lenskart has used impressive marketing strategies to help it establish itself as a prominent player in the optical industry. The marketing strategies are as follows:

Omni-Channel Presence: Lenskart has a combined presence of both online and offline retail outlets. Through their mobile application and website, they offer a try-on feature for eyewear and they have more than 1500 stores across India.
Digital Marketing: The company has a social media presence across different platforms like Facebook, YouTube, Instagram, etc. They have various strategic collaborations with various lifestyle and fashion influencers. They have a dedicated team of SEO and content marketing, which primarily focuses on enhancing brand visibility.
Celebrity Endorsements: They have renowned celebrities like Katrina Kaif, Bhuvan Bam, etc., as their brand ambassadors.
Pricing: They offer competitive prices and discounts to their customers, through which they stay ahead of the competition.
Manufacturing: They make their glasses, lenses and frames at their in-house manufacturing facilities, which ensures quality and pricing controls.

Product Portfolio of Lenskart

The product portfolio of Lenskart includes the following products:

Prescription Glasses: The company offers all kinds of power glasses, such as single vision, bifocal, progressive, etc.
Frame: It offers a wider range of designs and frames, including rimless, half-rim and full rim.
Sunglasses: The company’s product portfolio also includes all kinds of sunglasses, ranging from aviator, cat-eye, etc. to protect from UV.
Contact Lenses: Contact lenses of top brands such as Bausch Lomb, Alcon, etc. are available at Lenskart. Along with this, they also have their own brand of contact lenses named Aqualens.

Business Model of Lenskart

The business model of Lenskart is mentioned below:

They have a presence across all channels, offering its products to customers through both digital and retail channels.
Lenskart doesn’t compromise with the quality of the product; therefore, they have their manufacturing unit, allowing them to control cost and quality.
The company also offers a subscription program named “Lenskart Gold”, which allows them to have a recurring revenue source.

SWOT Analysis of Lenskart

Strengths

The company has a strong brand image because of collaborations with various celebrities.
It offers its products at affordable rates, which helps it in staying ahead of the competition.
Their customer-centric services, such as home eye testing, free eye checkups, help them establish themselves as a distinguished entity in the eyewear industry.

Weakness

The company’s primary revenue comes from the urban areas, hence they are heavily reliant on urban customers.
Lenskart primarily focuses on eyewear and thus doesn’t have diversified revenue streams.
The company’s offline store adds to its high operating costs and therefore reduces profits.

Opportunities

The company can expand itself in the rural areas, which provides them with better growth opportunities.
Lenskart can add various other products to its product lineup and have a diversified source of revenue.
With the rise in smartphone usage, the demand for protective eyewear will also increase, which can lead to an increase in the company’s revenue.

Threats

The company faces intense competition from the local manufacturers, along with other established brands like Titan.
Any economic downturn might lead to a decrease in demand for eyewear and protective sunglasses.
With advancement in medical technologies, the eye treatment costs are getting cheaper; hence, instead of buying eyewear and contact lenses, people are increasingly preferring eye surgeries over eyeglasses.

Conclusion

On a concluding note, Lenskart has changed the landscape of the Indian eyewear industry by successfully integrating offline trust with online convenience. They primarily focus on latest technology and offer the customer the convenience to try on frames using their smartphones and laptops at home. They filled the gap between traditional eyewear and stylish eyewear by introducing trendy eyewear frames. They have strategically partnered with various celebrities, which helps them enhance their brand visibility. In the past 15 years, it has established itself as a prominent player in the Indian eyewear market.

Frequently Asked Questions (FAQS)

Who is the owner of Lenskart?
Lenskart is owned by Peyush Bansal, the founder and current CEO of the company.
Where is the headquarters of Lenskart situated?
The headquarters of Lenskart are situated in Gurgaon.
Is Lenskart a unicorn company?
Yes, Lenskart is a unicorn company, and its valuation is more than $1 billion.
Is Lenskart a listed company?
No, Lenskart is not a listed company. However, there are rumours that the company is expected to launch its IPO in 2025.
Is John Jacob an Indian brand?
Yes, John Jacobs is an Indian brand launched by Lenskart in 2017.

June 12, 2025

Top 10 Best Summer Stocks in India

With the rising heat and scorching sun, a different kind of buzz begins to form in the Indian stock market, the buzz around summer stocks. As our bodies acclimatize to warmer temperatures, there are certain companies that experience an increased demand for their products and services. Now that we know why the mid-year period sparks growth, we can focus on the companies that you should consider investing in during summers.

In this blog, we will discuss the top 10 summer stocks in India, their overview along with benefits and disadvantages of investing in them.

What is Summer Stock?

Summer stocks, or stocks for summer season refer to the shares of the companies which experience a boost in their sales during summers. The reason for this increase in sales is the fact that people spend money on the products that help them beat the scorching sun.

Just think about the hot scorching sun. While standing outside under the glaring heat the first thing that the majority of people think of is:

Cooling Appliances: During summers, appliances such as air conditioners, refrigerators, and air coolers literally become lifesavers and are bought by many. As a result of an increase in demand, companies that manufacture such appliances witness a rise in their revenues.
Beverages: During summers, juices and cold drinks are consumed much more than compared to any other season. Want to cool off with something refreshing? Each sip of juice on a hot day helps people stay cool, not to mention that they even taste amazing.
Power & Utilities: The use of electricity generally increases with the increased usage of refrigerators, air conditioners, etc., hiking the revenues of the power & utilities sector as well.

Firms in these sectors tend to enjoy a boom in revenues and profits during this time, which in turn can be beneficial for their stock prices.

Top 10 Summer stocks to keep an eye on!!

Company Name	Current Price (₹)	Market Cap (₹ Cr )	52 Week High (₹)	52 Week Low(₹)
Varun Beverages	475	1,60,692	683	419
Havells India	1,578	98,881	2,106	1,360
Dabur India	487	86,343	672	420
United Breweries	2,057	54,439	2,300	1,810
Voltas	1,314	43,482	1,946	1,135
Blue Star	1,633	33,566	2,420	1,521
Amber Enterprises India	6,636	22,457	8,177	3,847
Whirlpool of India	1,351	17,143	2,450	899
Johnson Controls-Hitachi Air Conditioner India	1,761	4,794	2,621	1,601
EPACK Durable Ltd.	358	3,431	674	207

It is one of the leading Indian multinational companies engaged in the design, manufacture and distribution of air conditioning systems and commercial refrigeration systems. They have a product line that includes room air conditioners and central air conditioners, water coolers, and water purifiers.

Blue Star enjoys higher revenue volumes during periods of increased temperatures as their main source of revenues is by selling cooling products and services. The onset of summer is accompanied by higher demand for ACs, refrigerators, and water coolers from both the commercial and residential sectors, which translates to significantly higher revenues.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-1.73%	245.80%	554.07%

(Data as of 12 June 2025)

7. Amber Enterprises

It is a well-known manufacturer of air conditioners and its related components (OEM or ODM) for various brands in India. They are also engaged in manufacturing of other consumer durable components also. Amber Enterprises works as an OEM (original equipment manufacturer) for some of the major air conditioning companies and thus stands to gain from the overall surge in sales. During peak summer season, their clients witness an increase in demand for ACs and related components, which translates to increased sales and profits for Amber Enterprises. This role qualifies them as a strong summer player due to their strategic position in the air conditioning value chain.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
70.90%	191.84%	416.06%

(Data as of 12 June 2025)

8. Whirlpool of India Ltd

Whirlpool of India Ltd is a subsidiary company of Whirlpool Corporation, which is one of the top companies in the home appliances sector. The company deals in various domestic appliances like refrigerators, washing machines, microwaves, and air conditioners. Their stock generally rises during summers as the company deals in air conditioners and fridges that are primary revenue drivers in the summer season.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-21.45%	-10.67%	-31.30%

(Data as of 12 June 2025)

9. Johnson Controls and Hitachi Air Conditioner India Ltd

Johnson Controls and Hitachi Air Conditioner India Ltd is a collaboration that offers air conditioning equipment for domestic and commercial purposes. They deal in a variety of air conditioners such as room ACs, chillers, and VRF (variable refrigerant flow) systems. Like Blue Star and Voltas, the main focus for this company is development of air conditioning systems. Staying ahead of competition in the market by prioritizing new technologies and energy-saving appliances helps the company achieve higher revenues and customer satisfaction.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-6.72%	4.04%	-25.07%

(Data as of 12 June 2025)

10. EPACK Durable

It is one of India’s leading Original Design Manufacturers (ODM) and Original Equipment Manufacturers (OEM) of room air conditioners and small home appliances. They also provide component manufacturing services for these appliances. Like many other businesses, EPACK Durable forms an integral segment of the AC manufacturing ecosystem. The small appliances under their diversified product range also offer some protection from seasonality.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
70.31%	59.52%	59.52%

(Data as of 12 June 2025)

Taking advantage of summer stocks can be a unique strategy to profit during the peak summer season. Regardless, it is wise to conduct a thorough fundamental analysis on the company and consult a financial advisor before investing.

Key Performance Indicators (KPIs)

Company Name	Net Profit Margin (%)	ROE (%)	ROCE (%)	Debt to Equity Ratio
Varun Beverages	13.17	15.62	20.86	0.14
Havells India	6.75	17.68	22.51	0
Dabur India	13.84	16.36	20.31	0.07
United Breweries	4.96	10.12	14.49	0.13
Voltas	6.23	12.91	19.29	0.13
Blue Star	4.95	19.28	24.82	0.07
Amber Enterprises India	2.81	10.65	15.72	0.85
Whirlpool of India	4.58	9.08	11.47	0
Johnson Controls-Hitachi Air Conditioner India	2.13	9.17	12.10	0
EPACK Durable Ltd.	2.67	5.79	12.62	0.39

(Data as of March 2025)

Read Also: Best 5G Stocks in India to Invest

Benefits of Investing in Summer Stocks in India

Various benefits of investing in summer stocks in India are:

Expected Rise in Demand: The surge in demand for specific goods and services during the summer season stands out as the most prominent benefit of investing in these stocks. The makers and sellers of air conditioners, refrigerators, fans, beverages, ice-creams, etc. enjoy a seasonal spike in sales.
Possibility for Short-term Gains: Summer stocks can provide quick returns for those investors looking for short-term profits. Purchasing these stocks during the offseason and selling just after the summer season can lead to quick profits due to stock price appreciation associated with the increased demand.
Portfolio Diversification : Integrating a seasonal aspect with your portfolio holdings up to some extent may help in diversification. Inclusion of these summer stocks can reduce the overall volatility of one’s portfolio, if these stocks rise independently of broader market movements.

Disadvantages of Investing in Summer Stocks in India

Some of the disadvantages of investing in Summer stocks in India are:

Change in Weather Patterns : If the temperature is on the milder side or if there is unseasonal rain; the demand for these products can plummet, severely impacting sales and profitability. This makes these firms extremely sensitive to weather fluctuations.
Increased Competition and Price Wars: The summer season creates a surge in demand for air conditioners, beverages, etc., leading to fierce competition among companies. Heavy discounts, advertising, and attractive offers may lead to increased sales, but prevent the company from operating with their usual profit margins.
Inventory Management Challenges: Such companies face inventory management challenges as unexpectedly mild summers can lead to overstocking and holding costs. This can hurt profits and result in poor stock performance.
Short-Term Trading Risks: Quick gains are always accompanied by increased risks due to which it is necessary to stay updated about the weather and market conditions.

Conclusion

Summer stocks often present unique prospects for market participants who are willing to invest based on the seasonal increase in demand of a company’s goods and services. The demand for cooling appliances as well as refreshment beverages soars during the summer months. Like any other investment strategy, it is crucial to know the risks. Regardless of competition, buying these shares for short intervals means the trader needs to be smart and have incredible precision about when to buy and when to sell. Although summer stocks can contribute to portfolio diversification, never forget the importance of risk management. It is advised to consult a financial advisor before investing.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	List Of Best Healthcare Stocks in India 2025
2	7 Top Food Stocks in India 2025
3	10 Best Copper Stocks in India
4	Top 7 Lithium Mining Stocks to Watch in India
5	List of Best Liquor Stocks in India

Frequently Asked Questions

Is investing in summer stocks always profitable?
No, it is not guaranteed as the performance of summer stocks depends on factors such as weather, competition, and overall market conditions. One should keep an eye on these factors before investing.
Which companies perform well during summers?
Companies that deal in ACs, fans, refrigerators and beverage companies offering juices, soft drinks, beer.
What is the best time to invest in summer stocks?
Typically investors prefer buying these stocks around February and sell them as the peak summer season ends around July.
Do summer stocks have risk attached to them?
Some of the risks that one should consider are unpredictable weather patterns, intense competition, and challenges in managing inventory.
Are all summer stocks seasonal in nature?
Some of the companies have a product portfolio that only has a seasonal demand during summers such as EPACK Durables; while other companies with a more varied product portfolio may have year round demand such as Havells.

June 12, 2025

Parle Case Study: Business Model, Marketing Strategy, and SWOT Analysis

Whenever you think of biscuits, one of the names that instantly comes to your mind is Parle-G. Initially it was established as a candies manufacturing company and over time it has established itself as one of the largest biscuit manufacturers in India.

In this blog, we will give you an overview of Parle, its history, business model competitors along with the SWOT analysis.

Parle Company Overview

Parle is one of the oldest and well-known companies in the FMCG segment renowned for popular brands such as Parle G, Hide & Seek, Mango Bite, Melody, etc. In 2011, Parle G was the top-selling biscuit in India. The company was launched by the Chauhan family and initially it offered affordable snacks but later started baking biscuits. The company uses different marketing strategies to establish itself as a global brand. The company has its headquarters situated in Mumbai.

History of Parle

The company was incorporated in 1929 by Vijay Chauhan, Sharad Chauhan, and Raj Chauhan. It started manufacturing Parle-G biscuits in 1939, which were glucose biscuits. The biscuit was initially named Parle-Glucose biscuit, but in 1980, it changed the name to Parle-G, in which G refers to glucose, and it was campaigned as G means genius.

Over the years, the company acquired various international brands such as Dr. Gerard of Poland. To compete with established brands like Kellogg’s and Nestle, it also introduces cereals into its product line. The company has recently increased the prices of Parle G biscuits, but despite this, it records a surge in sales. Currently, the company has more than 50,000 employees.

Product Portfolio of Parle

The Parle has a diversified product portfolio spread across four different categories:

Biscuits: The company offers various biscuits such as Parle-G, Krackjack, Hide & Seek, Monaco, etc.
Confectionery: The company was originally started as a candy manufacturer and sells candies like mango bite, melody, etc.
Snacks: Parle also offers snacks such as wafers, namkeens, etc.
Beverages: Parle has also diversified into the beverages sector and offers beverages like Frooti, Appy Fizz, etc.

Business Model of Parle

The business model of Parle is as follows:

Low Cost: Parle primarily focuses on high-volume production, which helps them keep the cost very low. Parle-G is the flagship product of the company which is selling at a very nominal price.
Distribution Network: The company has a strong distribution network, which helps them in reaching the remote areas of India. Through a wide distribution channel the company can easily increase its revenue.
Emotional Connect: The company has successfully made an emotional connection with its customers through its innovative marketing campaign.
Small Production Facilities: The company has established several small production facilities spread across the country, allowing them to easily achieve high production volumes.

Marketing Strategy of Parle

The company uses various marketing strategies, which help them in promoting their brand. These activities include hiring popular celebrities as brand ambassadors, advertising campaigns, etc. The company also places its flyers in stores and promotes its products across social media platforms.

Competitors of Parle

Various market players give intense competition to Parle; the companies are as follows:

Britannia Industries Limited: This is one of the prominent competitors of Parle. Their products like Good Day, Marie Gold, Treat, etc. give intense competition to Parle’s products.
ITC Limited: ITC’s snacks and biscuits such as Dark Fantasy, Sunfeast Marie Light, etc. gives direct competition to Parle.
Nestle India: Nestle’s products such as Munch, Kitkat, are very famous among the Indian consumers.
Surya Food and Agro Limited: The company sells its biscuits under the brand name Priya Gold. Some of its most famous products are Marie Lite, Snakker, etc. providing affordable options to the Indian consumers.

SWOT Analysis of Parle

Strength

Brand Image: The company has a strong brand image and is recognised as a prominent player in the biscuit industry.
Pricing: The products of Parle are priced in a manner that every Indian consumer can easily buy them.
Distribution Network: The company has a strong distribution network spread across India, helping them in reaching every corner of the country.

Weakness

Limited Digital Presence: The company invests less on expanding its digital presence.
Focus on only Mass Segment: The Parle primarily focuses on the mass segment, and has limited offering in the premium segment.
Dependence: A major source of company revenue comes from its flagship products such as Parle-G and Hide & Seek.

Opportunities

E-Commerce: With the rise of online retail platforms, companies can increase their revenue.
Global Expansion: In the world of globalization, the company can expand its business operations across the world and increase its revenue.
New Products: It can launch new products and can also introduce new flavours in its existing product line to cater to changing consumer preferences.

Threat

Competition: The company faces intense competition from existing and new players, including products from local brands.
Consumer Preference: The preferences of consumers are evolving; therefore, in order to stay ahead they must stay in touch with their consumers and incorporate their suggestions in future product offerings.
Raw Material: Increasing raw materials prices can decrease the profit margins of Parle.

Conclusion

Parle is not just a company, it is a household name famous for its products like Parle-G, Hide & Seek, Melody, etc. It started as a small candy manufacturing company and today it has evolved into a well-known brand known for its biscuits, beverages, etc. With the changing consumer preferences, the company is also planning to introduce new flavours and better products. It has recently increased the price of a few of their products; however, it has not impacted the sales of the company. The journey of Parle from being a small business to a well-known FMCG brand can be considered one of the inspiring stories of Indian business.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	Zara Case Study: Business Model and Pricing Strategies
2	Intel Case Study: Marketing Strategy and Pricing Strategy
3	McDonald’s Marketing Strategy – Case Study
4	Havells Case Study: Business Model and SWOT Analysis
5	CAMS Case Study: Business Model, KPIs, and SWOT Analysis

Frequently Asked Questions (FAQS)

Which is the best Parle product?
Parle-G biscuit is the most famous product of Parle. However, their other products are also famous such as Krackjack, Hide & Seek, candies like mango bite, melody, etc.
Is Parle an Indian company?
Yes, Parle is an Indian company and was founded in 1929 by the Chauhan brothers.
Who are the major competitors of Parle?
Parle faces intense competition from various local and global brands like Britannia, ITC, Nestle, etc.
How can Parle maintain its low prices?
Parle has established various manufacturing units across the country, and focuses on mass production which helps them in keeping their prices low.
Is Parle listed on the Indian Stock Exchange?
No, Parle is not listed on the Indian Stock Exchange.

June 11, 2025

Best 5G Stocks in India to Invest 2025

You have probably heard the word 5G a lot: faster internet, smarter gadgets, better everything. But here is something you might not have thought about: 5G is not just exciting for technology enthusiasts; it is also opening up some interesting opportunities for investors.

As more companies jump into building and supporting this new technology, 5G stocks are starting to grab attention. But like any new opportunity, they come with their own mix of potential and risk. In this blog, we will be discussing 5G stocks, why they matter, and what you should know if you are thinking of investing in them.

What are 5G Stocks?

Shares in 5G stocks include companies that build, support or benefit from 5G wireless technology. It is expected that 5G will boost growth in industries like IoT, autonomous vehicles, smart cities, AR/VR and cloud gaming. These companies may be involved in telecom infrastructure, semiconductors and chipmaking, telecom service providers, network equipment manufacturing, software and cloud services supporting 5G applications. Such companies could enjoy high demand for their products in the coming years.

List of the Best 5G Stocks

Company	Stock Price (In ₹)	Market Capitalization (In ₹ Crores)	52-Week High (In INR)	52-Week Low (In INR)
Reliance Industries	1,462	19,78,379	1,609	1,115
Bharti Airtel	1,859	11,14,835	1,917	1,373
Tech Mahindra	1,629	1,59,532	1,808	1,209
Indus Towers	390	1,05,049	461	311
Vodafone Idea	7.03	76,165	19.2	6.46
ITI	330	31,752	593	210
HFCL	93.1	13,426	171	71.5
Tejas Networks	719	12,696	1,495	647
Sterlite Technologies	77	3,759	113	52.2
Mahanagar Telephone Nigam	54.1	3,409	102	37.4

(Data as of 11 June 2025)

Overview of the Top 10 5G stocks in India

An overview of the top 10 5G stocks in India are:

1. Reliance Industries

Reliance Industries began its journey in 1966 with Dhirubhai Ambani’s big dreams as a small textile business. What started as a modest venture has grown into one of India’s most influential companies, with business operations in everything from oil and petrochemicals to retail, telecom, and digital services. Under Mukesh Ambani’s leadership today, Reliance isn’t just about scale; it is about changing how people in India shop, connect, and live. From its humble beginnings to reaching global heights, the story of Reliance is one of ambition, bold thinking, and a vision that keeps growing with the times.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-1.29%	9.60%	85.19%

(Data as of 11 June 2025)

2. Bharti Airtel

Bharti Airtel started its journey in 1995 when Sunil Bharti Mittal started making mobile phones something every Indian could access. Back then, it had just a few thousand users in Delhi. Today, it is one of the biggest telecom players in the world. Whether it is mobile services, broadband, DTH, or business solutions, Airtel is now a part of daily life for millions across India and even in parts of Asia and Africa. Known for its reliable network and focus on people, Airtel’s story is one of grit, constant innovation, and growing with the digital times.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
30.50%	181.99%	231.77%

(Data as of 11 June 2025)

3. Tech Mahindra

Tech Mahindra, part of the Mahindra Group, started in 1986 as a tech outsourcing company and has grown into a global leader in IT and digital services. Initially, the company focused on serving British Telecom, and later it expanded rapidly into software, consulting, and digital transformation across industries. Headquartered in Pune, it now operates in over 90 countries, helping businesses with everything from AI and cloud solutions to cybersecurity and customer experience. Tech Mahindra combines technology and innovation to drive meaningful change in the digital age, while staying connected to its people-first values.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
21.25%	51.27%	176.73%

(Data as of 11 June 2025)

4. Indus Towers

Indus Towers started operations in 2007 following a joint venture agreement between Bharti Airtel, Vodafone India and Idea Cellular to collaborate on sharing towers. Based in Gurugram, it has become a leading global telecom tower company, operating over 190,000 towers across India today. Towers are essential for supporting mobile networks and making sure that people living in cities or far-reaching areas can always connect. By emphasising sustainability and new technologies, Indus Towers is helping to establish a robust digital network for India, while also supporting the advancement of 4G and 5G.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
10.67%	90.47%	67.18%

(Data as of 11 June 2025)

5. Vodafone Idea

Vodafone Idea, now called Vi, came into existence in 2018 when Vodafone India and Idea Cellular joined hands. The goal was simple and that was to build a stronger, more reliable network across the country. With offices in Mumbai and Gandhinagar, Vi serves millions of people in cities and small towns alike, offering mobile and broadband services. Even though the telecom market is highly competitive and has its challenges, Vi keeps working hard to improve its network and help more people stay connected in today’s digital world.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-56.43%	-22.78%	-37.21%

(Data as of 11 June 2025)

6. ITI

ITI Limited, short for Indian Telephone Industries, has been operating since 1948, making it India’s first telecom company in the public sector. Earlier, it helped set up the country’s telephone network by making switches and phones when telecom was just starting off. Based in Bengaluru, ITI has come a long way and now works on things like smart cards, secure networks, and even technology for defence. The company had its ups and downs, but ITI is steadily bouncing back by trying to embrace new-age tech and playing a part in India’s digital growth story.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
10.59%	264.43%	280.74%

(Data as of 11 June 2025)

7. HFCL

Himachal Futuristic Communications Limited, known as HFCL, was established in 1987 with the hope of supporting India’s telecom industry. Since its inception, it has grown to play a key role in producing optical fibre cables, telecom equipment and network solutions. HFCL, based in Delhi, has contributed to major projects, among them BharatNet, which is working to ensure fast internet in Indian villages. Now, the company is expanding into areas such as 5G, IoT and smart cities. HFCL’s main goal is to drive innovation and ensure India remains ready for the future.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-7.03%	46.02%	520.34%

(Data as of 11 June 2025)

8. Tejas Networks

Tejas Networks started back in 2000 in Bengaluru, built by a group of technology enthusiasts who wanted to create top-quality telecom gear in India. Since then, it’s come a long way; its products now power networks in over 75 countries. From optical fibre systems to 4G and 5G solutions, Tejas makes the technology that helps us stay connected, stream videos, and build smart cities. Now part of the Tata Group, the company continues to focus on homegrown innovation while helping expand digital access across India and beyond.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-44.72%	61.81%	1,194.94%

(Data as of 11 June 2025)

9. Sterlite Technologies

In 1988, Sterlite Technologies Limited (STL) was launched under Sterlite Industries and focused on manufacturing telecom cables. In 2000, the company became independent and in 2007, the name was officially changed to Sterlite Technologies Limited. The headquarters of the company are in Pune, and thanks to its optical and digital products, it has expanded to operate in more than 150 countries. The company manufactures fibre-optic cables and handles network services and software. STL has participated in important projects like BharatNet, which aims to improve digital access in rural parts of India. STL’s emphasis on new ideas and sustainability helps drive India’s progress in the digital world.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
-41.73%	-53.45%	-28.27%

(Data as of 11 June 2025)

10. Mahanagar Telephone Nigam

In 1882, Bombay got its first telephone exchange, and in 1986, the government founded MTNL to upgrade telecom services in Mumbai and Delhi. Ever since, MTNL has constantly introduced new ideas such as 3G, broadband and IPTV, leaving many others behind. Even though MTNL has faced various challenges due to new competition and advances in technology, it remains a major provider of landlines, telephones and internet access. Recently, it has collaborated with BSNL and made fibre networks a priority, thus keeping itself relevant in India’s developing telecom industry.

Know the Returns:

1Y Return (%)	3Y Return (%)	5Y Return (%)
40.92%	159.52%	479.78%

(Data as of 11 June 2025)

Key Performance Indicators (KPIs)

Company	Net Profit Margin (in %)	ROE (in %)	ROCE (in %)
Reliance Industries	8.37	8.25	8.7	0.41
Bharti Airtel	19.52	29.52	14.72	1.3
Tech Mahindra	8.01	15.53	18.74	0.02
Indus Towers	32.97	30.56	27.7	0.07
Vodafone Idea	-62.85	0	-1.98	-2.79
ITI	-6.44	-13.22	-2.3	0.91
HFCL	4.25	4.3	8.61	0.33
Tejas Networks	5	11.6	22.44	0.85
Sterlite Technologies	-3.07	-6.18	4.5	0.91
Mahanagar Telephone Nigam	-476.99	0	14.88	-1.2

(Data as of March 2025)

Benefits of Investing in the Best 5G Stocks

The benefits of investing in the best 5G stocks are:

High Growth Possibilities: 5G is expected to play a crucial part in achieving initiatives such as smart homes and self-driving cars to virtual reality and remote healthcare. Companies building or supporting 5G could see huge growth in the years to come.
Early Mover Advantage: We’re still in the early days of 5 G. Investing now means you could benefit as the technology rolls out more widely across cities, towns, and even rural areas.
Infrastructure Boom: Rolling out 5G takes a lot of equipment, towers, fibre cables, and data centres. Companies that are involved in this sector are seeing a rise in revenues, which is great for investors.

Risks of Investing in the Best 5G Stocks

The risks of investing in the best 5G stocks are:

Mass Rollout will take Time: 5G rollout isn’t happening overnight. It’s a gradual process that depends on present infrastructure, regulation, and market readiness. This means returns might be slower than expected.
High Capital Costs: Building 5G networks is expensive and companies investing heavily in 5G tech may take on a lot of debt, which can hurt profits in the short term if things don’t go as planned.
Intense Competition: The telecom and technology sectors are highly competitive. Even strong 5G players face pressure on pricing, market share, and margins, especially from global companies.

Conclusion

5G is not just about faster downloads, it is about big changes in the way we live and connect. From smarter cities to connected cars, the possibilities are exciting, and so are the opportunities for investors. However, it is not a guaranteed win as like any investment, 5G stocks come with their share of advantages and disadvantages. But if you are someone who likes being part of something that might revolutionize the future, 5G could be a smart space to explore. Take your time analyzing these companies and see if it fits in your portfolio. It is advised to consult a financial advisor before investing.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	List Of Best Healthcare Stocks in India 2025
2	7 Top Food Stocks in India 2025
3	10 Best Copper Stocks in India
4	List Of Best Logistics Stocks in India 2025
5	List of Best Liquor Stocks in India

Frequently Asked Questions

Is it a good time to invest in 5G?
If you’re looking to invest for the long term then you should definitely consider investing in 5G stocks. Consult a financial advisor before investing.
Are 5G stocks risky?
Like investing in any other stock, there are some risks involved due to which thorough analysis is necessary before investing.
How do these companies make money?
Companies involved in 5G technologies make money by providing telecom services, building network infrastructure, manufacturing hardware, or powering the tech behind 5G.
Are there 5G mutual funds or ETFs?
Globally, yes. In India, options are still limited, but you can build your own portfolio by considering the stocks mentioned above.
Why should I consider 5G stocks for investment?
Because 5G is shaping the future, and being part of that shift can be both exciting and rewarding.

June 11, 2025

GST on Gold Purchase in India 2025

Ever looked at the price tag of that beautiful gold necklace and wondered why it costs so much more than the “per gram” rate you see online? It’s not just the making charges, it is the GST on gold purchase that’s quietly increasing the price tag.

For Indian families planning weddings or looking to invest, understanding GST on gold purchase in India 2025 isn’t just general knowledge; it’s essential financial wisdom. The government keeps tweaking these rates, leaving jewellers scrambling and buyers confused. Remember when GST first hit the gold market? The chaos was real.

In this blog, we will discuss the GST applicable on Gold purchase in India in 2025.

What is GST & Why does it apply to Gold?

GST stands for Goods and Services Tax. It’s a single, nationwide tax that replaced all the complicated old taxes like VAT, excise duty, and service tax back in July 2017. The idea behind GST is simple, and instead of having different taxes at every step, we now have one clear tax rate applicable across the country on most goods and services, including gold.

When you buy gold, whether it’s jewellery, coins, or even digital gold, you’re making a purchase, and purchases are taxable.

Here’s why GST applies to gold:

Just like clothes or electronics, gold is a physical item you’re buying, so it falls under GST.
The amount you pay for the design and craftsmanship of jewellery (called making charges) is considered a service, and services are also taxed under GST.
Before GST, different states had different taxes on gold. Now, it’s the same across India, which makes things a lot simpler for buyers. It brings transparency, i.e., with a uniform tax rate, it’s easier to understand what you’re paying for, and harder for sellers to hide extra charges.

So in short, GST helps bring clarity, fairness, and consistency to gold purchases — whether you’re buying a simple gold coin or a wedding necklace.

GST Rate on Gold

The GST rate on gold in India is currently set at 3% on the value of gold purchased.

1.5% Central GST (CGST)
1.5% State GST (SGST)

For interstate transactions, a 3% Integrated GST (IGST) applies instead of the CGST and SGST combination.

1. Additional GST on Making Charges

Making Charges are defined as charges that are applied to the labour cost charged by jewellers for crafting the gold into jewellery

Besides the basic rate on gold value, there is an additional GST on making charges:

5% GST is applicable on making charges for gold jewellery

2.Total GST Calculation Formula

To calculate the total GST amount on your gold purchase:

Calculate GST on the gold value:
Gold Value × 3% = GST on Gold Value
Calculate GST on making charges:
Making Charges × 5% = GST on Making Charges
Determine the total GST amount:
Total GST = GST on Gold Value + GST on Making Charges
Calculate final purchase price:
Final Price = Gold Value + Making Charges + Total GST

For Example

You want to buy gold worth ₹50,000 with INR 3,000 as making charges.

Now, let us calculate the total amount payable by Mr. A when purchasing Gold.

Total value of Gold = ₹50,000

GST Payable = 3% * ₹50,000 = ₹1,500

GST Payable on Making Charges = 5% of 3,000 = ₹150

Amount Payable = ₹50,000 + ₹1,500 + ₹150

= ₹51,650

Factors Affecting GST Calculation

Several factors influence the final GST amount:

Purity of Gold: Higher karat gold generally means higher gold value and consequently higher GST.
Weight of the Gold: More weight equals more value and higher GST.
Complexity of Design: Intricate designs lead to higher making charges and thus higher GST on those charges.

Understanding how GST is calculated helps consumers make informed decisions when purchasing gold and enables better financial planning for significant gold investments.

GST On 24 Carat Gold Rate in India 2025

24 carat gold represents the purest form of gold available in the market, with 99.9% purity. As we enter 2025, the GST structure for this premium quality gold remains consistent with the unified tax framework implemented across India.

For 24-carat gold purchases in 2025, the GST rate continues to be 3% on the value of gold purchased. This rate applies uniformly across all states in India, ensuring consistency in pricing nationwide.

Special Considerations for 24 Carat Gold

Pure 24-carat gold has some distinct considerations under GST:

Gold bars and coins – Standard 3% GST applies to all forms of 24 carat gold, whether coins, bars, or bullion.
Digital gold – When purchasing 24-carat gold in digital form, the same 3% GST applies at the time of allocation.
Import implications – Imported 24-carat gold attracts customs duty in addition to the 3% GST, affecting the final price.

The consistent application of the 3% GST rate on 24-carat gold provides clarity for investors and consumers alike, making tax calculation straightforward regardless of where the purchase is made within India.

22 Carat Gold GST Rate in India in 2025

The GST rate for 22 carat gold in India follows the same tax structure as other gold purities, with a combined rate of 3% GST. This rate applies uniformly across the country, ensuring consistency in gold pricing regardless in which state you purchase gold.

1. GST Breakdown for 22 Carat Gold

For 22 carat gold, which contains 91.6% pure gold (22 parts gold out of 24), the GST is applied as follows:

Basic GST rate: 3% (comprising 1.5% CGST and 1.5% SGST)
GST on Making charges : 5% of making charges

2. GST On 18 Carat Gold Purchase

When you buy 18-carat gold, you’re usually purchasing it in the form of jewellery, often mixed with diamonds, gemstones, or modern designs. Since it contains less pure gold than 22K or 24K, it’s more affordable, but GST is still applied.

Here is how GST is charged on 18K Gold Jewellery,

3% GST on the gold value and 5% GST on making charges

GST on Digital Gold and Gold ETFs in India

With more people turning to online platforms to invest in gold, digital gold and Gold ETFs have become popular alternatives to physical jewellery. But what about taxes? Let’s break it down in simple terms:

What is Digital Gold?

Digital gold is actual gold purchased online and stored safely in a vault by the company offering digital gold. You can start with as little as ₹100 worth of gold.

Is GST Applicable on Digital Gold?

Yes, GST is charged on digital gold just like on physical gold.

3% GST is added at the time of purchase.
This tax is on the gold’s value, not on the service or platform fee.
Even though you’re buying it online, it’s still physical gold being stored for you, so the same GST rules apply.

So, if you buy ₹1,000 worth of digital gold, you’ll be paying ₹1,030 (₹1,000 + ₹30 GST).

What About Gold ETFs?

Now, here’s where things are different: investment gold products like ETFs and bonds are treated more like financial assets than physical goods.

Gold ETFs (Exchange Traded Funds):

No GST is charged when you buy or sell Gold ETFs.
You may pay brokerage charges and Securities Transaction Tax (STT), but not GST.
However, when Gold ETFs are redeemed for physical gold, 3% GST applies on the actual gold delivered.

To summarise,

Type	Description	GST Rate
24 Carat Gold	Pure gold (like coins or biscuits)	3%
22 Carat Gold	Commonly used in traditional jewellery	3%
18 Carat Gold	Popular in fashion and diamond jewellery	3%
Digital Gold	Becoming increasingly popular among younger investors.	3%
Gold ETF	Gold ETF units are stored in demat account	Nil
Making Charges	Design, labour, and processing fees for jewellery	5%

Conclusion

Gold never goes out of style, but how we purchase or invest in it has evolved, mainly because of GST. Knowing how GST works helps you plan your purchase and prevents surprises when you get your bill. If you understand the applicable taxes, you will have a better idea of how to make the most of your shopping budget. However, it is advised to consult a tax professional for more information about how GST is charged on gold purchases.

Gold Rate in Top Cities of India	Silver Rate in Top Cities of India
Gold rate in Ahmedabad	Silver rate in Ahmedabad
Gold rate in Ayodhya	Silver rate in Ayodhya
Gold rate in Bangalore	Silver rate in Bangalore
Gold rate in Bhubaneswar	Silver rate in Bhubaneswar
Gold rate in Chandigarh	Silver rate in Chandigarh
Gold rate in Chennai	Silver rate in Chennai
Gold rate in Coimbatore	Silver rate in Coimbatore
Gold rate in Delhi	Silver rate in Delhi
Gold rate in Hyderabad	Silver rate in Hyderabad
Gold rate in Jaipur	Silver rate in Jaipur

Frequently Asked Questions(FAQs)

What is the GST rate on gold in India?
3% GST is charged on the value of gold purchased.
Is GST charged on making charges for gold jewellery?
Yes, 5% GST is charged on making charges.
Is GST the same for 18K, 22K, and 24K gold?
Yes, all are taxed at 3% on gold value, regardless of purity.
Can I avoid GST when buying gold?
No, GST is mandatory and included in all legal gold purchases.
Is GST refundable on gold purchases?
No, GST paid on personal gold purchases is not refundable.

June 10, 2025

Call and Put Options: Meaning, Types, Difference & Examples

Option trading begins with two important terms, Call and Put. These terms may seem technical at first, but these instruments are crucial in designing trading strategies to take advantage of different market situations.

In this blog, we will analyze both these options in detail along with their meaning, differences and examples.

What is Call Option?

A call option is a contract that gives a holder the right to buy an underlying asset in the future at a predetermined price (called the strike price). It is important to note here that this is a “right”, not an “obligation” – that is, you can buy it if you want, and you can leave it if you don’t want it.

Suppose the price of a stock is ₹100 right now, and it is expected that it will rise to ₹120 until option contract expiry. In such a situation, buying a call option with a strike price of ₹100 gives the buyer the right to buy the stock for ₹ 100 – even if its market price increases to ₹120.

Traders usually buy a call option when they expect that the price of a stock will increase in the future. This creates the possibility of more profit with less investment.

What is a Put Option?

Put Option is a contract that gives the holder the right to sell an underlying asset in the future at a fixed price (called strike price). It means the holder can choose to exercise the option if it is profitable or let it expire worthless.

Suppose the price of a stock is currently ₹150, but it is estimated that it may fall to ₹120 in until the option contract expiry. In such a situation, buying a put option with a strike price of ₹150 gives the investor the right to sell that stock for ₹150, no matter how much the market price goes down.

Put options are especially useful when the market is moving towards recession or there is a fear of a stock price decline. By buying puts, the investor can protect his portfolio or make profit from falling prices.

In simple words, a put option is a means of both portfolio protection and potentially profit from falling prices.

Read Also: What is Put-Call Ratio?

Key Terms to Know About Call and Put Options

To be successful in option trading, it is important to understand certain terms. These terms strengthen the basic understanding of trading :

Strike Price : The price at which the option holder gets the right to buy or sell shares.
Premium: The amount paid to buy the option, which is the maximum amount of loss that can be incurred.
Expiry Date: The date on which the option expires.
Intrinsic Value: The difference between strike price and the underlying asset’s price at expiry.
Time Decay or Theta: The decrease in the value of the option due to time.

Call and Put Options with Examples

Call Option Example: When the market is expected to rise

Scenario : Nifty is currently trading at 24,700 and it is expected that it may move higher in a few days.

Trade : Call Option with strike price of 24,900 bought at a premium of 100 points.

Case 1 – Profit on Expiry

If Nifty reaches 25,200 by expiry, then the option is termed as ITM and it would be profitable to exercise it:

Intrinsic Value = 25,200 – 24,900 = 300 points
Net Profit = ₹300 – ₹100 (premium) = 200 points per lot
One point = ₹75 ; therefore, Net Profit = 200 * 75 = ₹15,000

Case 2 – Loss on Expiry

If Nifty declines or remains flat, the option will expire worthless.

Loss = 100 points (Premium)
Net Loss = 100 * 75 = ₹7,500

Put Option Example: When the market is expected to fall

Scenario: Nifty is currently at 24,700, but it seems like it will fall.

Trade : Put Option with strike price of 24,500 bought at a premium of 90 points.

Case 1 – Profit on Expiry

If Nifty falls to 24,100

Intrinsic Value = 24,500 – 24,100 = 400 points per lot
Net Profit = 400 – 90 = 310 per lot
One point = ₹75 ; therefore, Net Profit = 310 * 75 = ₹23,250

Case 2 – Loss on Expiry

If Nifty moves higher or remains flat, the option expires worthless.

Loss = 90 points (premium)
Net Loss = 90 * 75 = ₹6,750

In Call and Put Options, the maximum loss is predetermined (limited to the premium), but if the market moves in the right direction, the returns can be manifold. This is also the biggest feature of option trading.

ITM, ATM and OTM Call and Put Options

In option trading, just buying a call or a put is not enough. It is also important to understand the status of the option at that time – In-the-Money (ITM), At-the-Money (ATM) or Out-of-the-Money (OTM), as explained below:

1. In-the-Money (ITM)

A Call Option is ITM when the stock price is above the strike price. A Put Option is ITM when the price goes below the strike price.

In Call Option : If the strike price is 24,500 and Nifty is currently trading at ₹24,700 Then the Call Option is ITM as it will give a profit if exercised immediately.
In Put Option : If the strike price is ₹24,900 and Nifty is trading at 24,500 , then the Put Option is ITM as the market price is lower than strike price and exercising the put option will give a profit.

2. At-the-Money (ATM)

When the current price and the strike price are approximately equal, the option is called an ATM.

For example:

Strike Price = 24,500
Nifty = 24,500 or around

In this case the intrinsic value of the option is almost zero. But the premium can be high as the asset price can move considerably till expiry. Both risk and opportunity are balanced in ATM options.

3. Out-of-the-Money (OTM)

A Call Option is OTM when the current asset price is below the strike price, and a Put Option is OTM when the asset price is above the strike price.

In Call Option: Strike price is 24,500 and Nifty is currently at 24,000.
In Put Option: Strike price is 24,500 but Nifty is at 24,900.

Read Also: What is Spread Trading?

American vs European Options

In option trading, there are two types of options based on the exercise conditions:

American Options : These types of options can be exercised on any day before expiry.
European Options : Can be exercised only on the expiry day but can be traded on exchanges before expiry. In India, options are of European type.

The value, risk and profit of each option depends on whether it is ITM, ATM or OTM, and whether it is American or European. Choosing the correct option at the right time is the most important skill for a trader.

Key Differences Between Call and Put Options

Basis	Call Option	Put Option
Right	Right to purchase underlying asset at strike price	Right to sell underlying asset at a strike price
Buyer’s Expectation	The market price will go up	The market price will go down
Maximum Profit	Theoretically unlimited	Limited as asset price can fall to zero
Maximum Loss	The amount of premium (money paid to buy the option)	The amount of premium (money paid to buy the option)

Read Also: What are Option Greeks?

Advantages & Risks of Options Trading

Benefits of option trading

Hedging: A strategy that uses options to protect against potential losses in bearish market conditions.
Flexibility: Traders can profit from both bullish as well as bearish price movements using call and put options.
Less capital required: Options trading require less capital than buying or selling an equivalent quantity of underlying asset.

Risks of option trading

Loss of capital: The maximum loss is the premium paid for the option buyer, which can be lost completely. In case of option sellers, the losses can be significant.
Time Decay: The value of the option decreases over time, which can lead to losses even if the market doesn’t move against your position.
Complexity: It is not easy to understand the technical aspects of options, making them unsuitable for beginners.
Market volatility: During periods of high volatility, the option premiums can fluctuate sharply.
Timing: In option buying, losses occur if your judgement regarding market movement or timing is wrong, i.e. the expected movement must occur before expiry.

Understanding risk and reward is important

Proper knowledge, timing, and strategy are very important for success in option trading.
Trading without complete information can lead to financial losses.
One should always learn ways to manage one’s risk so that losses can be limited.
With the right research and learning, superior returns can be expected from option trading.

Read Also: Best Trading Apps in India

Pro Tips for Beginners in Options Trading

You can follow the below-mentioned tips to trade options profitably:

Option Trading Tips for Beginners : To be successful in option trading, some basic but important things should be kept in mind. In the beginning, it is important to do paper trading to understand the market fluctuations. This helps in understanding the trading process, developing profitable strategies without investing real money.

Importance of Risk Management : There is always a risk in option trading, so it is very important to learn risk management. Proper risk management helps avoid major losses.

Use of options for hedging : Call and put options can be used for hedging. This means protecting your portfolio from the uncertainties of the market, so that sudden decline in portfolio value can be avoided.

By following these tips, the initial path of trading becomes easier and better decisions can be taken with experience.

Conclusion

Understanding call and put options before trading them is very important for any trader. Knowing the basics of these options and understanding their advantages and disadvantages is the key to success. It is very important to have technical knowledge and the right trading strategy before stepping into option trading. Only by mastering the basics, does the probability of earning profits in options trading increase. It is advised to consult a financial advisor before trading options.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	What is the Best Time Frame for Swing Trading?
2	MCX Trading: What is it? MCX Meaning, Features & More
3	Silver Futures Trading – Meaning, Benefits and Risks
4	What is Crude Oil Trading and How Does it Work?
5	What Is Day Trading and How to Start With It?

FAQs

What is a call option?
A call option is a contract that gives the buyer the right, but not the obligation, to buy an asset at strike price.
What is a put option?
A put option is a contract that gives the buyer the right, but not the obligation, to sell an asset at a specified price.
How does a call option work in the share market?
When the stock price moves above the strike price at expiry, the buyer of the call option can exercise the option and buy at a lower price and sell the asset immediately at the higher current market price.
What is the main difference between call and put options?
A call option gives the right to buy, while a put option gives the right to sell.
What is premium in options?
The premium is the price that has to be paid to buy the option.
Is options trading risky?
Yes, options trading involves considerable risks, so knowledge about the options concepts, trading strategies and caution is required.

June 10, 2025

Tata Motors Vs Ashok Leyland: Which is Better?

When you think of moving cars and trucks on Indian roads, two names instantly pop up: Tata Motors and Ashok Leyland. From the car you drive to the bus you hop on every morning, chances are it rolled out of a factory owned by one of these giants. But while both have become household names, they’ve taken very different routes to become a key player in the Indian automobile sector.

Tata Motors is a bit of a jack-of-all-trades as you’ll find their name on practically everything, from compact city cars and rugged SUVs to commercial trucks and other electric vehicles. They’ve got their foot in almost every segment of the automobile world. Ashok Leyland, on the other hand, has carved out its niche by building tough, reliable trucks and buses that keep India moving.

In this blog, we’ll learn about what sets them apart and help you decide who’s driving ahead in the areas that matter most to you.

Tata Motors – An Overview

For decades, Tata Motors has been more than just a name on Indian roads. Established in 1945 under the wing of the legendary Tata Group, the company first started by building locomotives. But it wasn’t long before they set their eyes on something bigger and hit the road.

In 1954, Tata Motors Ltd unveiled its first commercial vehicle as a result of its partnership with Germany’s Daimler-Benz. That was just the beginning and over the years, they’ve built everything from trucks and buses to stylish passenger cars and modern electric vehicles.

One of their biggest achievements was in 1998 with the launch of the Tata Indica, the first car designed and built entirely in India. It was a game-changer and of course, who could forget the Tata Nano? It turned heads worldwide as the most affordable car on the planet.

Then came 2008, as Tata Motors acquired not one but two legendary car brands: Jaguar and Land Rover from Ford Motor Company. With that bold move, they weren’t just playing in the big leagues, they were announcing themselves on the global stage.

Fast forward to today, Tata Motors is steering into the future as it’s no longer just about building vehicles, it’s about reimagining mobility itself. From electric cars and connected tech to cleaner, smarter public transport, they’re focused on moving India, and the world, forward, one innovative step at a time.

Ashok Leyland – An Overview

The company’s name, Ashok Leyland Ltd, has been synonymous with commercial vehicles for a long time, visible to anyone who ever caught a glimpse of a bus or a big truck passing by. Ashok Leyland was established in 1948, and as soon as India gained independence, it was known as Ashok Motors. Soon after, Ashok Motors partnered up with Leyland Motors, and this led to the formation of the brand we know today as Ashok Leyland.

From the early days of assembling Austin cars to becoming one of the top commercial vehicle manufacturers in India, it’s been quite a journey. Over the decades, Ashok Leyland has built everything from buses that carry millions of people daily to powerful trucks that move goods across the country. They’re even behind some of the vehicles used by the Indian Army.

What makes Ashok Leyland special is its forward-thinking and constant efforts to align its products with the needs of the customers. They’ve led the way in adopting cleaner and more efficient technologies, and are also pushing the frontiers in electric mobility and alternative fuels. Ashok Leyland, in the past few years, has become an international brand as well as it serves more than 50 countries across the world.

Comparative Study – Tata Motors vs. Ashok Leyland

PARTICULARS	TATA MOTORS	ASHOK LEYLAND
Current Price (₹)	718	243
Market Cap (₹ Crore)	2,64,255	71,369
52-W High (₹)	1,179	265
52-W Low (₹)	536	190
FII Holdings as of March 2025	17.84%	23.32%
DII Holdings as of March 2025	17.20%	14.03%
Book Value (₹)	315	41.6
PE Ratio (₹)	9.35	23

(Data as of 10 June 2025)

Financial Statements Comparison

PROFIT & LOSS STATEMENT

Particulars	TATA MOTORS	ASHOK LEYLAND
Total Income	4,45,939	48,893
Expenses	4,07,363	40,398
Net Profit	27,862	3,351

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

BALANCE SHEET

Particulars	TATA MOTORS	ASHOK LEYLAND
Current Liabilities	1,66,684	26,551
Other Liabilities	93,350	42,931
Fixed Assets	1,80,608	8,078
Current Assets	1,60,325	34,240
Reserves & Surplus	1,15,408	11,938

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

CASH FLOW STATEMENTS

Particulars	TATA MOTORS	ASHOK LEYLAND
Cash Flow from Operating Activities	63,102	128
Cash Flow from Investing Activities	-47,594	-5,758
Cash Flow from Financing Activities	-18,786	6,957

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

Key Performance Indicators (KPIs)

Particulars	TATA MOTORS	ASHOK LEYLAND
Basic EPS (₹)	78.8	10.58
Operating Profit Margin (%)	8.89	17.47
Net Profit Margin (%)	6.33	6.90
Return on Equity (%)	23.96	25.39
Return on Capital Employed (%)	18.45	15.37
Debt-to-Equity (x)	0.54	4.08

(Data as of March 2025)

Which Company is Better?

It depends on what you are looking for,

If you want a company that manufactures everything such as cars, trucks, electric vehicles, and owns even luxury brands like Jaguar and Land Rover, Tata Motors is the winner. It’s bigger, has a global presence, and is leading the way in electric mobility too.

But if you’re focused only on investing in companies involved in manufacturing of commercial vehicles like trucks and buses, Ashok Leyland can be a good investment option. It’s more specialised and reliable in the commercial vehicle segment.

However, it is necessary to conduct thorough research before investing in any of them. It is always recommended to consult a financial advisor before investing.

Conclusion

Tata Motors and Ashok Leyland have both created their unique brand image in both the Indian and global automotive industry. Tata Motors is known for its diverse product range, from ordinary cars to high-end electric models, while Ashok Leyland continues to stick to its core competencies, i.e. manufacturing trustworthy and reliable trucks and buses. Regardless of whether you focus on R&D capabilities, a global presence, or consistent financial performance; both companies have something to offer. It’s not about which is better overall, it’s about which one fits your investment objectives best. You are advised to consult a financial advisor before investing.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	Apollo Tyres Ltd. vs Ceat Ltd. – Which is better?
2	BHEL vs BEL -Best Defence and Manufacturing Sector Stocks
3	Asian Paints vs Berger Paints – Which is Better?
4	Maruti Suzuki India Vs Hyundai: Which Car Stock is Better?
5	Devyani International Vs Sapphire Foods – Which is Better?

Frequently Asked Questions (FAQs)

Which company is older, Tata Motors or Ashok Leyland?
Tata Motors was founded in 1945, while Ashok Leyland started in 1948.
Does Tata Motors make trucks too?
Yes! Tata Motors offers a full range of commercial vehicles, including trucks and buses.
Does Ashok Leyland make passenger cars?
Ashok Leyland focuses only on commercial vehicles like trucks, buses, and defence vehicles.
Who owns Ashok Leyland?
Ashok Leyland is part of the Hinduja Group.
Is Tata Motors an Indian company?
Yes, it is an Indian company and part of the Tata Group.

June 10, 2025

Best Trading Apps in India 2025

In recent years, there has been a substantial increase in the number of individuals participating in online trading in India. When it comes to trading, picking the best trading app in India can set you on the path to success. There has been a surge in the number of discount brokers in recent years and a multitude of them claim to have the best trading app in India. But the question remains: ‘Which app is best for trading?’ or ‘Which one is best suited for you?’

In this blog, we are going to give you an overview of the best trading apps in India and factors to consider to select the best trading app according to your needs.

What are the Best Trading Apps in India 2025?

Trading applications are mobile-based platforms that facilitate the buying and selling of stocks, commodities, mutual funds, and other investment products through smartphones and tablets. In India, these apps are provided by registered brokers and financial institutions.

With the advancement of technology, the best trading apps in India have incorporated useful innovations and offered the following features such as:

No or very little commission fees
Quick stock market updates
Instant order execution
Intuitive apps that are easy to navigate
Technical analysis tools

Now, if you’ve ever wondered, “Which app is best for trading?” stay with us while we unveil the best choices for 2025.

Broker	Account Opening Fees	AMC	Futures	Options
Pocketful	Free	Free	₹20 per executed order or 0.03% of turnover, whichever is lower	₹20 per executed order
Zerodha Kite	Free	₹300 + GST	0.03% or ₹20, whichever lower	₹20 per executed order
Upstox Pro	Free	Free for first year, ₹300 + GST from second year	0.05% or ₹20, whichever lower	₹20 per executed order
Angel One	Free	₹60 + GST per quarter	₹20 per executed order	₹20 per executed order
5Paisa	Free	₹25 + 18% GST per month	₹20 per executed order	₹20 per executed order
ICICI Direct	Free	Free for first year, ₹700 + GST from second year. ₹300 + GST for iValue clients	₹20 per executed order	₹20 per executed order
Groww	Free	Free	₹20 per executed order	₹20 per executed order
Paytm Money	₹200	Free	₹20 per executed order	₹20 per executed order
Dhan	Free	Free	₹ 20 or 0.03% per executed order whichever is lower	₹20 per executed order
Kotak Securities	Free for Trade Free Plan, ₹99 for Trade Free Youth Plan	₹50 + GST per month for Trade Free Plan. Free for Trade Free Youth Plan	₹10 per executed order	₹10 per executed order

Read Also: Best Demat Account in India

Best Trading Apps in India 2025 Overview

1. Pocketful

Pocketful is an emerging stock broking firm and is a subsidiary of Pace Stock Broking Services. Pocketful has been developed by professionals with more than 27 years of experience and offers free equity delivery and zero account opening fees, making it the best option for both traders and investors.

Features

Advanced features for technical analysis
Zero account opening charges and zero AMC
Pockets feature to invest in a specific theme
All-in-one platform for both novice and seasoned traders

Advantages

Advanced Option Chain: Helps you trade quickly and efficiently.
Innovative Features: Includes Pockets, Superstar Portfolios, and daily and weekly Paper to track stock market events.
Free Trading APIs: Enables automated execution of custom strategies at no extra cost.

Disadvantages

New Market Entrant: Still building trust and brand recognition.
Limited Research Reports: Fewer analysis reports and insights compared to more established brokers.

2. Zerodha Kite

Kite by Zerodha is considered one of the top trading apps in India. Zerodha’s low-cost brokerage model combined with Kite’s exceptional reliability make it an ideal choice for novices and seasoned investors. Zerodha supports investing and trading in equity, commodity, F&O, and currency segments. Kite’s sleek and fast interface with advanced charts and real-time data makes it easier for traders to make informed trading decisions.

Features
• No brokerage charges on equity delivery
• ₹20/order for intraday and F&O
• Zerodha trading app Kite can be linked with Coin (mutual funds app)
• In-app charting with more than 100 indicators

Advantages

Affordable Brokerage Fees: Intraday and F&O trades attract a flat fee of ₹20 per executed order, while equity delivery trades for Zerodha attracts no brokerage at all.
Intuitive Design: Simple and easy to use interface
Technical Analysis Tools: More than 100 indicators available for advanced chart analysis.
Complete Investment Experience: Coin for investing in mutual funds, Kite for trading and Console for generating in depth reports and analytics.

Disadvantages

Limited Customer Support: Customer support teams may take longer than expected to resolve issues.
Relative High Fees: It charges high fees for call & trade services and auto square off making it costly for some traders.

3. Upstox Pro

Upstox is among the top 10 stock trading apps in India because of its quick trading platform and low pricing. It allows trading in stocks, commodities, mutual funds, and IPOs and is backed by Tata Group. Upstox is best suited for active traders due to its advanced order types and charting tools.

Features
• ₹20/order flat brokerage
• Margin trading facility
• Live market data and alerts
• Customizable watchlists

Advantages

Affordable Pricing: No commission charges on equity delivery trades; additionally, ₹20 per order for intraday, F&O, and commodity trades.
Advanced Charting: Offers TradingView and ChartIQ charting facilities, containing over 100 technical indicators.
Quick Account Opening: Users can open accounts digitally and effortlessly through KYC.

Disadvantages

Technical Glitches: Mobile App might experience technical glitches during peak market volatility.
Limited Customer Support: Responding to customer’s issues promptly has been flagged as an area the business does poorly in.
No Personalized Advisory: The absence of investment advisory reports.

4. Groww

Groww has a user-focused trading app that lets investors buy stocks, mutual funds, IPO, etc. It is an easy to use app where opening a Demat account and trading account is online and paperless, also comes with zero maintenance fee making it one of the prominent trading apps in the Indian market. It offers real time market data, advanced chart for you to make informed trading decisions.

Features

No account opening charges
Simple mutual fund and SIP investment
Free delivery trades
Blogs and vlog educational content

Advantages

User-Friendly Interface: Design blueprint aiding stock market novices by lowering entry barriers.
Cost-Effective Trading: A flat fee of ₹20 is charged per trade, while mutual fund services are offered without fees.
KYC-verified Account Opening: Integrated KYC process allowing for quick account creation.

Disadvantages

Technical Problems: Users experience app crashes and sluggishness during peak volatility periods.
Lack of Commodities and Currency Trading: Has no trading options in commodities and currencies.

5. ICICI Direct Markets

ICICI Direct needs no introduction as it is a well-established brand across the finance domain. Its app is best suited for existing ICICI customers, but its functionality is sophisticated and dependable.

Features

Seamless integration with ICICI Bank
One-click IPO applications
Research backed investment ideas
Margin funding options

Even though the brokerage is higher, the service and research tools offered makes it worth it for serious investors.

Advantages

Complete account offering for clients: Provides 3 in 1 account comprising banking, trading and Demat for ICICI Bank customers.
Advisory and Research Services: Provides detailed research and recommended stocks to advise.

Disadvantages

Increased Brokerage Charges: ICICI Direct charges higher brokerage fees. With this full-service broker, these fees are much higher than those of discount brokers.
Complex Fee Structure: New investors may find the differing tier leveled fees structure much more complex than other discount brokers.
Restricted Clientele: Only for existing account holders of ICICI bank.

6. 5paisa

5paisa offers competitive brokerage prices complemented by smart tools. The company was launched as a subsidiary of the IIFL Group and was later demerged and listed on the stock exchange. It offers online trading, mutual funds, insurance, and loans all in one app.

Features

For every order, there will be a flat fee of ₹20
Offers robo-advisory services for beginners
Provides auto investor packs
Offers multiple plans for professional users

Advantages

Very Low Brokerage Cost: Charges are lower than average and set as a flat rate of ₹20 per executed order in all segments.
Multiple Types of Investment Products: Provides investment options in equities, derivatives, commodities, currencies, mutual funds and IPOs.
Superior Trading Options: Other than standard trading options, 5paisa allows algo trading through trading APIs and offers real-time market information.

Disadvantages

Freezing Issues on the App: Users face issues such as unresponsive and sluggish order execution while submitting orders or navigate through the app during busy periods or high market volatility.
Needs Better Customer Support: Replies via email and chat take a long time especially during volatile market hours.

7. Paytm Money

As a branch of the well-known Paytm app, Paytm Money is simple to use and combines several services like banking, mutual funds, and stock trading.

Features

User-friendly registration process
Allows direct mutual fund purchases
Easy portfolio tracking

Advantages

Low Brokerage Costs: Has ₹20 per executed order in charges for options trading that is affordable for traders.
Choice of Investments: Supports investments in stocks, derivatives, mutual funds, ETFs, IPOs, NPS and digital gold from a single application.
App Interface: Clean and easy-to-use interface that accommodates those who have just started and is fluid across trading in different investment products.

Disadvantages

Limited features: Doesn’t have advanced charts and analytics compared to other trading applications.
Occasional App Crashes: There appear to be reports of the app crashing, slower response time, login issues from some users particularly in volatile markets.

8. Dhan

Dhan is a brand new company but has gotten popular very quickly due to its order execution speed and simple user interface. Catering to today’s investors, Dhan allows trading in equities, F&O, ETFs, etc.

Features:

Flat fee of ₹20
Allows advanced options for trading
API is available for traders
Can trade directly on charts
A fast rising star which is worth monitoring.

Advantages:

Zero account opening : Dhan provides free account opening and zero annual maintenance charges.
Feature loaded : Comprehensive features like advanced trading view chart, basket and iceberg orders, instant pledge/unpledge options, and a quick platform for options trading.
Low cost : Dhan charges no brokerage for investing in mutual funds and equity delivery, also it only costs Rs.20/executed order for F&O and Intraday trades.

Disadvantages:

Not ideal for beginners : It does not have easy to understand mobile application tutorials, making it challenging for beginners.
Improper customer support : Users criticize the application for unresponsiveness during peak market volatility.

9. Angel One (Previously Angel Broking)

Angel One started as a full service broker and has also been offering discount brokering services from quite some time through its easy to use mobile application. It also offers ARQ Prime, an AI-powered advisory tool, which makes it a combination of traditional and discount broking services.

Features

Flat ₹20 brokerage
ARQ Prime recommendations
Smart API integration
Real time notifications

Advantages

Wide Range of Investment Opportunities : Offers equities, derivatives, commodities, mutual funds, and IPOs.
No Charge for Equity Delivery : No brokerage charge for delivery of equity trades.
AI-driven recommendations : Features like ARQ Prime that provides customized investment recommendations using big data analytics.

Disadvantages

Customer Support : Long waiting time or delayed responses is one of its disadvantages.
Annual Maintenance Charges (AMC): Loses appeal to traders who do not actively trade as the account attracts AMC meant for account upkeep.

10. Kotak Neo

Kotak Neo is an app from Kotak securities with modern trading features like stock investing, buying mutual funds or IPOs making it easier for everyone to use. A simple to use platform that provides real time market data, charting tools, simple interface etc, catering both beginner and advanced traders.

Key Features :

Good for stock/ETF investments
Unlimited multi-asset trading
AI-driven insights and investment options
Cutting-edge technology and tools
Great app if you want to trade as a day trader

Advantages :

Strong fundamentals : The app is backed by trusted Kotak Mahindra brand
Advance tools : Powerful tools and AI-driven insights help beginners with decision making.

Disadvantages :

Hidden charges : Complicated pricing structure
App Issues : Its platform can experience occasional glitches.
Technical Usage : More suitable for tech-savvy users; some beginners may feel difficulty in getting used to its interface.

Factors To Keep In Mind Before Looking Into Indian Trading Apps 2025

Before using any trading apps, here are some considerations you want to look into:

Pricing: Trading apps such as Pocketful, Zerodha, Upstox, etc. have a simplified fee structure, whereas brokers such as ICICI, Kotak, etc. have a complicated pricing structure.
App: One should look for a trading app that is easy to use, fast, and user friendly as you will spend all your trading time on these apps.

Available Investment Options: Not all assets are supported by each trading application. Check whether you can invest in the assets which interest you: shares, mutual funds, and commodities.
Research Tools and Alerts: Some applications provide advanced investment insights and technical charts which make decision-making easier. Make sure your application provides analysis and updates in real-time.
Customer Support: Customer support can help you resolve your issues promptly. Prefer those trading apps which offer 24×7 customer support or live chat bots.
Security: Always select brokers that are SEBI registered and have powerful encryption along with biometric login and other safety features.
Speed of Execution: Every second counts for intraday or F&O traders. Real-time execution with very minimal lag is indispensable.
Reviews and Ratings: Always consider user feedback and ratings on the Play Store or App Store. Feedback from users can help you judge the trading application appropriately.

Conclusion

Selecting the best trading app in India in 2025 depends on personal requirements, past experience, and financial objectives. Various new age brokers such as Pocketful, Groww, Upstox, etc. have built user-friendly mobile apps that enable even beginners to start their trading journey effortlessly. These features include zero brokerage on equity delivery, latest market information, an intuitive interface, and flat brokerage on F&O orders. Answering the question of which is the best app is simple. It’s the one that resonates with your investment strategy and financial goals.

Frequently Asked Questions

Which is the No.1 trading app in India in 2025?
The definition of the no.1 trading app in India varies across users due to different trading styles. For example, people doing delivery trading may not be concerned with F&O charges. However, in general, the trading app should be easy to use and have a competitive pricing structure to be categorized as the no. 1 trading platform.
Which is the best app for beginners?
For novice users, Pocketful is a top recommendation due to its simple interface, zero AMC, zero account opening fees, and competitive brokerage charges.
Are these apps safe to use?
Definitely, as all these apps are provided by SEBI-registered brokers which have advanced security measures like encryption, authentication protocols, etc.
Can I open a Demat account through these apps?
Yes, you can open a Demat account using these apps. All of them offer the option to open Demat accounts online.
Which app is best for intraday trading?
Pocketful is the best for intraday trading due to high-speed execution, flat brokerage rates and zero AMC.

June 9, 2025

Apollo Tyres Ltd. vs Ceat Ltd. – Which is better?

Along with the automobile industry in India, the tyre sector is also growing rapidly, especially as the demand for electric vehicles and smart mobility solutions is increasing. In such a situation, it becomes important for investors to know which tyre company can prove to be a good investment in the long run.

Apollo Tyres Ltd. and Ceat Ltd. are both well-known companies in the Indian market, whose business operations are spread across the country and abroad. Their different business strategies, focus on technology and future direction make them different from each other.

In this blog, we will analyze both these companies in-depth including their business model, financial health, expansion plans and market performance to help you understand which company is a better investment option.

Company Overview – Apollo Tyres Ltd

Apollo Tyres Ltd. was established in 1972 and today it is counted among the leading tyre companies in India. The company’s headquarters is located in Gurugram, Haryana. Over the past five decades, Apollo has established a strong presence in the domestic market as well as the global market. Its growth can be gauged from the fact that its products are now sold in more than 100 countries.

Manufacturing and International Network : Apollo has several modern manufacturing facilities in India, such as plants located in Chennai, Limbda (Gujarat), and Andhra Pradesh. Apart from this, the company also has manufacturing units in the Netherlands and Hungary. Thus, this Indian company has now become a global tyre manufacturer. The company’s strong supply chain and technology innovation help it in its global competitiveness.

Product Portfolio and Segments : Apollo Tyres manufactures tyres for passenger cars, SUVs, trucks, buses, light commercial vehicles and two-wheelers. In India, it operates under the brand name “Apollo”, while in Europe it has its presence under the name “Vredestein”. The company maintains a balanced focus on mileage, performance, and safety.

Business Model and Partnerships : Apollo Tyres’ business model is based on three major channels – OEM (such as Tata, Mahindra, and Ashok Leyland), replacement market, and international exports. The company is also continuously working on tyres for EVs and high performance vehicles.

Apollo Tyres Ltd. has established itself as an innovative and globally competitive brand in the Indian automobile industry. Its strong manufacturing capabilities, international expansion, and product diversity allow it to grow even stronger in the years to come.

Company Overview – Ceat Ltd.

Ceat Ltd. was founded in 1958 with roots in Italy but was later established in India and is now part of the RPG Group. The company initially manufactured tyres for commercial vehicles but over time also started manufacturing tyres for two-wheelers, passenger vehicles, agricultural and industrial vehicles. Today, Ceat is among the top tyre companies in India and is constantly expanding its portfolio.

Global Positioning and Production Capacity : Ceat tyres operations are no longer limited to India. The company exports its products to over 110 countries. Its major manufacturing plants in India are located in Nashik, Halol, Nagpur and Chennai. In recent years, the company has prioritised EV tyre manufacturing at the Nagpur unit, reflecting its future-focused vision.

Key Businesses and Services : Ceat manufactures tyres across various segments such as two-wheelers, cars, SUVs, trucks, buses and three-wheelers. Apart from this, the company also designs tyres for farm equipment and off-road vehicles. The brand identity is based on the balance of mileage, safety and performance. The company actively operates in both OEM and replacement markets.

Business Model and Market Approach : Ceat sells its tyres through three main channels: OEM (to auto companies), replacement (to customers), and export. It is also a supplier to prominent automobile companies like Bajaj Auto, Hero MotoCorp, Tata Motors and Mahindra. The company is now focusing on tyre technology for EV vehicles as well.

Ceat Ltd. has built an image of a trusted tyre brand keeping in mind the needs of Indian roads and consumers. Its production capacity, investment in technology and diversified product range make it ready for future demands.

Comparative Analysis: Apollo Tyres Ltd. vs Ceat Ltd

Particulars	Apollo Tyres Ltd	Ceat Ltd
Current Price (₹)	470	3,792
Market Cap (₹ Crores)	29,850	15,339
52-W High (₹)	585	4,044
52-W Low (₹)	368	2,322
FII Holdings as of March 2025	13.43%	15.27%
DII Holdings (as of March 2025)	28.09%	21.52%
Book Value (₹)	232	1,080
PE Ratio	24	31.1

(Data as of 9 June 2025)

Financial Statements Analysis

Income Statement Comparison

Particulars	Apollo Tyres Ltd	Ceat Ltd
Total Income	26,211	13,235
Total Expenses	24,218	12,336
EBIT	1,992	899
Net Profit	1,120	449

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

Balance Sheet Comparison

Particulars	Apollo Tyres Ltd	Ceat Ltd
Current Liabilities	7,360	5,164
Current Assets	9,815	3,432
Reserves & Surplus	14,702	4,328

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

Cash Flow Statement Comparison

Particulars	Apollo Tyres Ltd	Ceat Ltd
Cash Flow from Operating Activities	1,823	1,091
Cash Flow from Investing Activities	-202	-922
Cash Flow from Financing Activities	-1,646	-176

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

Key Performance Ratios (KPIs)

Particulars	Apollo Tyres Ltd	Ceat Ltd
Operating Profit Margin (%)	8.27	7.02
Net Profit Margin (%)	4.28	3.40
ROE (%)	7.59	10.81
ROCE (%)	10.83	15.36
Debt to Equity (x)	0.23	0.44

(Data as of March 2025)

Future Plans – Apollo Tyres Ltd. vs Ceat Ltd.

Apollo Tyres Ltd.

Target of $5 billion revenue and 15%+ EBITDA margin by FY26 : Apollo Tyres aims to achieve $5 billion (approximately ₹41,500 crores) revenue and over 15% EBITDA margin by FY 2025-26. For this, the company has focused on five key areas: sustainable growth, digitalization, technology innovation, human resource development, and brand building.
Target to use 40% sustainable materials by 2030 : Apollo Tyres has set a target to use 40% sustainable materials in its tyres by 2030. The company has recently developed tyres made from 75% sustainable materials, which are now in the testing phase.
Improving production efficiency through digital innovation centers : Apollo Tyres has set up digital innovation centers in Hyderabad and London, which are improving production efficiency using technologies such as AI, machine learning, IoT, and cloud computing.
Targeting $500 million sales in the US : Apollo Tyres is currently doing sales of $120-130 million in the US and plans to increase this to $500 million.

Ceat Ltd.

Target to double export revenue to ₹4,000 crore by FY26 : Ceat Ltd. aims to double its export revenue to ₹4,000 crore by FY 2025-26, with a special focus on expansion in the car and truck tyre segment.
Leading position in the EV two-wheeler tyre segment : Ceat Ltd. has partnered with companies like Ather Energy in the EV two-wheeler tyre segment, giving it a strong presence in EV segment.
Capital expenditure of ₹1,000 crore in FY25 : Ceat Ltd. has set aside ₹1,000 crore for capital expenditure in FY 25, focused on capacity expansion at its Chennai and Ambarnath plants.
₹72.67 crore investment for EPR compliance in FY24 : Ceat Ltd. has invested ₹72.67 crore in FY 2023-24 under EPR (Extended Producer Responsibility) compliance and introduced eco-friendly tyres.

Who is better: Apollo Tyres or Ceat Ltd.?

Apollo Tyres and Ceat Ltd.both have their own strengths. Apollo is currently focused on innovation, sustainability and international growth. The company is working rapidly on strengthening its foothold in the US and adopting the latest technology.

On the other hand, Ceat is focused on the EV tyre segment, where it is already a leading supplier to EV manufacturers Ather. Also, the company is preparing to double its exports and is also increasing production capacity.

Both companies are moving in slightly different directions, and are adopting different strategies to solidify their market position. It is hard to say which one is better and you must thoroughly analyze both companies or consult a financial advisor before investing.

Conclusion

Apollo Tyres and Ceat Ltd. have both established themselves as a strong player in the tyre industry in their own ways. Apollo is expanding itself in the international market, while Ceat is focusing on electric vehicles and exports. Each company has a different business strategy, however both are trying to gain a better foothold in the tyre market. It is advised to consult a financial advisor before investing.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
1	Bajaj Finserv and Bajaj Finance: Which is Better?
2	BHEL vs BEL -Best Defence and Manufacturing Sector Stocks
3	Asian Paints vs Berger Paints – Which is Better?
4	Maruti Suzuki India Vs Hyundai: Which Car Stock is Better?
5	Devyani International Vs Sapphire Foods – Which is Better?

Frequently Asked Questions (FAQs)

Which company is older: Apollo Tyres or Ceat Ltd.?
Ceat Ltd. was established in 1958 while Apollo Tyres was started in 1972.
Is Apollo Tyres a global brand?
Yes, Apollo Tyres products are present in many countries including Europe and the USA.
Does Ceat make tyres for electric vehicles?
Yes, Ceat manufactures tyres especially designed for EV two-wheelers and supplies to many big companies.
Which company has a higher export focus?
Both the companies have export operations, but currently Ceat has set an ambitious target to double its export revenues.
Is Apollo Tyres investing in sustainability?
Yes, Apollo plans to use 40% sustainable materials in its tyres by 2030.

June 9, 2025

Blog

What is Non-Repatriable Demat Account? Meaning and Definition

What is a Non-Repatriable Demat Account?

Key Features of Non-Repatriable Demat Account

How a Non-Repatriable Demat Account Works

Example of Non-Repatriable Demat Account

Difference Between Repatriable Demat Account and Non-Repatriable Demat Account

Conclusion

Frequently Asked Questions (FAQS)

Can anyone open a non-repatriable demat account?

Which account is required to link with a non-repatriable demat account?

Can I transfer funds to any other country from a non-repatriable demat account?

In which financial investment option can we invest through a non-repatriable demat account?

Can I convert a non-repatriable demat account to a repatriable demat account?

Lenskart Case Study: History, Marketing Strategies, and SWOT Analysis

Overview of Lenskart Company

History of Lenskart

Foundation

Expansion

Marketing Strategy of Lenskart

Product Portfolio of Lenskart

Business Model of Lenskart

SWOT Analysis of Lenskart

Strengths

Weakness

Opportunities

Threats

Conclusion

Frequently Asked Questions (FAQS)

Who is the owner of Lenskart?

Where is the headquarters of Lenskart situated?

Is Lenskart a unicorn company?

Is Lenskart a listed company?

Is John Jacob an Indian brand?

Top 10 Best Summer Stocks in India

What is Summer Stock?

Top 10 Summer stocks to keep an eye on!!

Overview of Best Summer Stocks in India

1. Varun Beverages

2. Havells India

3. Dabur India

4. United Breweries Limited (UBL)

5. Voltas

6. Blue Star

7. Amber Enterprises

8. Whirlpool of India Ltd

9. Johnson Controls and Hitachi Air Conditioner India Ltd

10. EPACK Durable

Key Performance Indicators (KPIs)

Benefits of Investing in Summer Stocks in India

Disadvantages of Investing in Summer Stocks in India

Conclusion

Frequently Asked Questions

Is investing in summer stocks always profitable?

Which companies perform well during summers?

What is the best time to invest in summer stocks?

Do summer stocks have risk attached to them?

Are all summer stocks seasonal in nature?

Parle Case Study: Business Model, Marketing Strategy, and SWOT Analysis

Parle Company Overview

History of Parle

Product Portfolio of Parle

Business Model of Parle

Marketing Strategy of Parle

Competitors of Parle

SWOT Analysis of Parle

Strength

Weakness

Opportunities

Threat

Conclusion

Frequently Asked Questions (FAQS)

Which is the best Parle product?

Is Parle an Indian company?

Who are the major competitors of Parle?

How can Parle maintain its low prices?

Is Parle listed on the Indian Stock Exchange?

Best 5G Stocks in India to Invest 2025

What are 5G Stocks?

List of the Best 5G Stocks