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  • Will the Gold Rate Decrease in the Coming Days in India 2026?

    Will the Gold Rate Decrease in the Coming Days in India 2026?

    Gold prices are continuously making new highs, which raises concern among buyers about whether it is the right time to buy gold or not, and whether the gold rate decreases in the coming days in India. 

    Gold prices tend to swing in the short run. Pullbacks after a strong rally are fairly normal. Still, predicting the exact top or bottom is a guessing game at best. In India, the picture gets even more layered. The rupee’s movement matters. Import duties can quickly change the cost base. Festive and wedding-season demand often adds its own pressure on prices.

    For investors looking beyond the next few months, a gradual approach usually makes more sense. Investing in small tranches through Gold ETFs or gold mutual funds helps smooth out volatility and lowers the risk of getting the timing wrong. It is steady, boring, and often effective.

    In today’s blog post, we will give you an overview of the historical price movement of gold, along with a list of factors that could lower the gold prices.

    Historical Price Movement of Gold

    After the COVID period, gold prices began increasing due to various factors, including a global economic shift and domestic currency correction. Gold prices have seen a short-term correction; however, the long-term trajectory remains upward because of inflation concerns and purchasing by central banks across the world. Let’s see how Gold prices have moved over the years.

    Year24 Karat Gold Price in INR/10 gramReason for price movement
    201935220The price of gold increases moderately during this period because of steady global demand.
    202048651During the COVID period, gold was considered a haven, and prices increased exponentially. 
    202148720The gold market stabilised after the 2020 surge.
    202252670Because of increasing inflation, unfavourable geopolitical conditions, and a weak dollar support the gold price increases in this period.
    202365330Globally, the demand for gold has risen, and investment in safe haven has increased the price of gold.
    202477913After the pandemic and macro uncertainty, increasing inflation, the wedding season led to an increase in the price of gold.
    2025136570Last year, the gold prices saw a record high because of increasing global bullion prices, weak INR, and increasing demand for gold. 

    Based on the above table, we can conclude that the Gold has risen consistently. However, in 2020 and 2025, it showed a significant rise.

    Current Overview of Gold Trend

    Gold prices in India are trading near their lifetime high levels, which reflects a strong demand because of both global and domestic factors. However, international gold prices are rising because of demand for gold as a haven, interest rate cuts by various central banks across the world, and political uncertainty. A few short-term corrections might happen in the near term, but the overall outlook for gold will remain positive, and factors like buying during the wedding and festive seasons will also drive the price upside.

    Will the Gold Rate Decrease in the Coming Days in India

    Gold prices in India are shaped by what’s happening around the world, how much people are buying locally, and changes in currency values. Right now, prices aren’t expected to drop sharply, but investors are waiting for slightly lower levels to buy.

    Main Things That Affect Gold Prices

    1. Global Interest Rates: If the US Federal Reserve holds off on cutting rates, gold might see some short-term pressure. When rates go down, gold usually becomes more attractive to investors.

    2. Dollar and Rupee Movements: A strong US dollar or a weak Indian rupee often keeps gold prices high in India, even if global prices fall a bit.

    3. Inflation and Safe-Haven Buying: With inflation staying high and global tensions continuing, many investors are turning to gold as a safe place for their money.

    4. Central Bank Purchases: Many central banks—especially in developing countries—are still buying gold regularly. This helps keep prices from dropping too much.

    5. Indian Market Demand: The wedding season and steady interest in gold through ETFs and Sovereign Gold Bonds are keeping demand strong at home.

    Read Also: Gold Rate Prediction for Next 5 Years in India (2026–2030)

    Factors Affecting Gold Prices in India

    The factors that affect the gold prices in India are as follows:

    1. International Factors: Gold is traded in US dollar terms globally; any rise or fall in international gold prices can significantly impact Indian gold prices.
    2. Inflation: Inflation plays a key role in the economic development of the country. And gold is considered a hedge against inflation during economic uncertainties. 
    3. Exchange Rate: As India primarily imports gold from other countries, therefore, depreciating the Indian rupee will make it more expensive, resulting in higher domestic prices of gold.
    4. Geopolitical Tension: Any kind of war between the countries, political instability, etc., makes investors buy gold as a haven. 

    Factors that Could Lower the Gold Price

    The key factors that could lower the gold prices are as follows:

    1. Lower Buying by Central Bank: Whenever the central bank decreases its buying or stops purchasing gold, this will impact the overall demand and reduce the prices.
    2. Gold Supply: If the gold supply increases because of higher gold production, this will lead to a price correction.
    3. Equity Market: Gold and the equity market have an inverse relationship; if the equity market is performing well, the gold prices will correct, and investors will be directed towards equity. 
    4. Reducing Geopolitical Tension: A decrease in hurdles related to international trade, and easing of wars and political uncertainties, due to which investors will move away from gold.

    Global Effect on Indian Gold Price in 2026

    Global factors majorly influence the Indian gold prices in the coming year. Because of ongoing geopolitical tension, investors are seeking gold as a haven for investment. A weaker INR currency will also make the import of gold expensive and push the prices high. Purchases from the central bank will also remain strong as institutions diversify reserves. However, short-term correction in the gold price might happen because of profit bookings. These are the few global factors that keep gold prices high.

    Invest In Gold fund

    Here are some of the top gold mutual funds in India that combine large AUM (Assets Under Management) with strong returns that are competitive above industry averages

    1. SBI Gold Fund – Direct Growth

    • AUM – ₹10,774
    • 1 Year Returns – 79.13 %
    • 3 Year CAGR – 34.9 %

    2. HDFC Gold ETF Fund of Fund – Direct Growth

    • AUM – ₹8,501
    • 1 Year Returns – 79.23 %
    • 3 Year CAGR – 34.5 %

    3. Nippon India Gold Savings Fund

    • AUM – ₹5,301
    • 1 Year Returns – 78.42 %
    • 3 Year CAGR – 34.4 %

    4.  Kotak Gold Fund – Direct Growth

    • AUM – ₹5,212
    • 1 Year Returns – 78.19 %
    • 3 Year CAGR – 34.1 %

    5. ICICI Prudential Regular Gold Savings Fund

    • AUM – ₹4,481
    • 1 Year Returns – 79.10 %
    • 3 Year CAGR – 34.5 %

    Invest In Gold Etf

    These are based mainly on 1-year return figures and notable performance trends

    1. UTI Gold Exchange Traded Fund

    • AUM – ₹3,282
    • 1 Year Returns – 81.21 %
    • Expense Ratio – 0.51%

    2. LIC MF Gold ETF

    • AUM – ₹1,101
    • 1 Year Returns – 84.02 %
    • Expense Ratio – 0.41%

    3. ICICI Prudential Gold ETF

    • AUM – ₹17,769
    • 1 Year Returns – 74.44 %
    • Expense Ratio – 0.50%

    4. Axis Gold Exchange Traded Fund

    • AUM – ₹3,895
    • 1 Year Returns – 80.46 %
    • Expense Ratio – 0.56%

    5. Quantum Gold ETF

    • AUM – ₹573
    • 1 Year Returns – 79.14 %
    • Expense Ratio – 0.56%

    Read Also: Gold Investment: How to Invest in Gold in India?

    Conclusion

    On a concluding note, gold prices in India can see some short-term corrections, but a significant decline in gold prices is not expected in the long-run. Last year’s rally was due to various factors, such as economic uncertainties, geopolitical tensions, etc., and all such factors will also help gold prices to make new highs. Although a small downside because of profit booking might also lead to brief consolidation, the overall trend will remain strong and positive. Therefore, it is advisable to consult your investment advisor before making any investment in Gold.

    Frequently Asked Questions (FAQs)

    1. Will gold prices make a new high in 2026?

      Gold prices can make new highs in 2026 owing to geopolitical factors and increasing demand. 

    2. How do Indian weddings and the festive season impact the gold prices?

      Because of increased demand during the wedding and festive seasons, such as Akshay Trithya and Dhantares the gold prices increase.

    3. Is it the correct time to invest in gold?

      Yes, it is the correct time to invest in gold for the long term. Because of geopolitical conditions and uncertainty in the stock market.

    4. How can I invest in gold?

      There are various options to invest in golds such as Gold Mutual Funds, Gold Exchange Traded Funds, etc. To invest in Gold ETFs one can open a lifetime free demat and trading account with Pocketful, as it offers free brokerage on delivery trades, along with the advanced trading tools.

Gold Rate in Top Cities of IndiaSilver Rate in Top Cities of India
Gold rate in AhmedabadSilver rate in Ahmedabad
Gold rate in AyodhyaSilver rate in Ayodhya
Gold rate in BangaloreSilver rate in Bangalore
Gold rate in BhubaneswarSilver rate in Bhubaneswar
Gold rate in ChandigarhSilver rate in Chandigarh
Gold rate in ChennaiSilver rate in Chennai
Gold rate in CoimbatoreSilver rate in Coimbatore
Gold rate in DelhiSilver rate in Delhi
Gold rate in HyderabadSilver rate in Hyderabad
Gold rate in JaipurSilver rate in Jaipur

  • Best Bond ETFs in India 2026

    Best Bond ETFs in India 2026

    In 2026, due to changing market trends and interest rate fluctuations, investors are now focusing more on stable income and capital protection. In this scenario, Bond ETFs have emerged as a smart investment option. Compared to traditional bonds, they are more liquid and diversified. In this blog, you will learn about the best bonds to invest in, different risk levels, and strategies for building the right bond ETF portfolio.

    What are Bond ETFs?

    A bond ETF is an investment fund that invests in various government and corporate bonds. It is traded on a stock exchange like a regular stock. Its main objective is to provide investors with a stable income and to balance the risk in their portfolio.

    10 Best Bond ETFs in 2026

    1. Bharat Bond ETF – April 2030 – Growth
    2. Aditya Birla SL CRISIL Liquid Overnight ETF
    3. Motilal Oswal Nifty 5 Year Benchmark G-Sec ETF
    4. LIC MF Nifty 8-13 yr G-Sec ETF
    5. DSP NIFTY 1D Rate Liquid ETF
    6. HDFC NIFTY 1D Rate Liquid ETF – Growth
    7. SBI NIFTY 1D Rate ETF
    8. Groww Nifty 1D Rate Liquid ETF
    9. ICICI Pru Nifty 5 yr Benchmark G-SEC ETF
    10. AXIS Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF

    Read Also: Best ETFs in India to Invest

    Overview of the Best Bond ETFs in India

    1. Bharat Bond ETF – April 2030 – Growth

    The Bharat Bond ETF April 2030 is a target maturity bond ETF that primarily invests in bonds of high-quality public sector and government-backed companies. This fund is ideal for investors seeking stable returns over the medium to long term and prioritizing capital safety. Its portfolio strategy follows a “hold till maturity” approach, which significantly reduces the impact of interest rate volatility. This ETF is considered a reliable option for conservative investors and those planning for retirement.

    CategoryDetails
    Current Price₹1562.07
    1-Year Return8.36%
    3-Year Return26.6%
    5-Year Return37.47%
    52 Week Low₹1232.00
    52 Week High₹1611.59
    Fund Size₹25,084.37 crore
    Expense Ratio0.01%
    Beta0.10
    Sharpe Ratio0.73
    Fund ManagerDhawal Dalal

    2. Aditya Birla SL CRISIL Liquid Overnight ETF

    The Aditya Birla SL CRISIL Liquid Overnight ETF is a fund designed for short-term investments. It is useful for investors who want to keep their money in a safe place for a short period. This ETF primarily invests in overnight money market instruments, resulting in very low risk. Its main focus is on liquidity and capital protection. It is considered a practical option for emergency funds or short-term needs where stability is paramount.

    CategoryDetails
    Current Price₹ 1000.01
    52 Week Low₹ 999.99
    52 Week High₹ 1030.00
    Fund Size₹ 56.74 crore
    Expense Ratio0.43%
    Beta0.00
    Sharpe Ratio0.83
    Fund ManagerSanjay Pawar

    3. Motilal Oswal Nifty 5 Year Benchmark G-Sec ETF

    The Motilal Oswal Nifty 5 Year Benchmark G-Sec ETF invests in Government of India bonds with a 5-year maturity. This ETF tracks the Nifty 5 Year Benchmark G-Sec Index and constructs its portfolio accordingly. Due to the nature of government bonds, the credit risk is very low. The fund’s main objective is to provide stable returns and closely track the index performance.

    CategoryDetails
    Current Price₹ 62.97
    1-Year Return7.54%
    3-Year Return24.62%
    52 Week Low₹57.00
    52 Week High₹65.80
    Fund Size₹103.29 crore
    Expense Ratio0.24%
    Beta₹65.80
    Sharpe Ratio0.59
    Fund ManagerRakesh Shetty

    4. LIC MF Nifty 8–13 Yr G-Sec ETF

    The LIC MF Nifty 8–13 Yr G-Sec ETF invests in long-term bonds issued by the Government of India, with maturities ranging from 8 to 13 years. This ETF tracks the Nifty 8–13 Year G-Sec Index and constructs its portfolio accordingly. The fund primarily holds sovereign bonds, resulting in very low credit risk. Its focus is on providing stable returns and long-duration exposure, making it sensitive to interest rate changes.

    CategoryDetails
    Current Price₹28.72
    1-Year Return7.53%
    3-Year Return27.22%
    52 Week Low₹26.61
    52 Week High₹30.00
    Fund Size₹2,287.34 crore
    Expense Ratio0.17
    Beta0.73
    Sharpe Ratio0.61
    Fund ManagerMarzban Irani

    5. DSP NIFTY 1D Rate Liquid ETF

    The DSP NIFTY 1D Rate Liquid ETF is a fund designed for short-term cash management. This ETF primarily invests in overnight money market instruments, such as Tri-Party Repo (TREPS), which keeps the risk significantly low. The fund aims to track the NIFTY 1D Rate Index and provide daily liquidity. This ETF is used for parking surplus cash and meeting short-term needs. Its value remains stable, and exiting the investment is easy.

    CategoryDetails
    Current Price₹1000.01
    52 Week Low₹980.55
    52 Week High₹1002.
    Fund Size₹346.09 crore
    Expense Ratio0.30%
    Beta0.86
    Sharpe Ratio-3.60
    Fund ManagerAnil Ghelani

    6. HDFC NIFTY 1D Rate Liquid ETF – Growth

    The HDFC NIFTY 1D Rate Liquid ETF is an ultra-short-term debt ETF that primarily invests in overnight money market instruments. Its portfolio is almost entirely invested in Tri-Party Repo (TREPS), which ensures the fund’s liquidity and significantly reduces risk. This ETF tracks the NIFTY 1D Rate Index and is used for short-term cash management. Its Net Asset Value (NAV) remains stable, making it a practical option for parking temporary surplus funds.

    CategoryDetails
    Current Price₹1044.43
    1-Year Return5.20%
    52 Week Low₹990.00
    52 Week High₹1045.47
    Fund Size₹39.40 crore
    Expense Ratio0.45%
    Beta0.96
    Sharpe Ratio1.32
    Fund ManagerSwapnil Jangam

    7. SBI NIFTY 1D Rate ETF

    The SBI NIFTY 1D Rate ETF is a short-term liquid ETF that invests most of its assets in overnight money market instruments. Its portfolio is almost entirely invested in Tri-Party Repo (TREPS), which ensures the fund’s liquidity and significantly reduces risk. This ETF tracks the NIFTY 1D Rate Index and is used for short-term cash management. The fund has a simple structure, and its main objective is to provide stable and predictable returns.

    CategoryDetails
    Current Price₹1000.01
    52 Week Low₹999.00
    52 Week High₹1029.99
    Fund Size₹32.61 crore
    Expense Ratio0.35%
    Beta0.51
    Sharpe Ratio-1.93
    Fund ManagerTejas Soman

    8. Groww Nifty 1D Rate Liquid ETF

    The Groww Nifty 1D Rate Liquid ETF is a short-term debt ETF that primarily invests in overnight money market instruments. The majority of its assets are invested with the Clearing Corporation of India Ltd., ensuring the fund’s liquidity and minimizing risk. This ETF tracks the Nifty 1D Rate Index and is used for daily cash management.

    CategoryDetails
    Current Price₹107.47
    52 Week Low₹100.00
    52 Week High₹108.34
    Fund Size₹62.54 crore
    Expense Ratio0.29%
    Beta0.97
    Sharpe Ratio-0.32
    Fund ManagerKaustubh Sule

    9. ICICI Pru Nifty 5 Year Benchmark G-Sec ETF

    The ICICI Pru Nifty 5 Year Benchmark G-Sec ETF invests in Government of India bonds with a 5-year maturity. This ETF tracks the Nifty 5 Year Benchmark G-Sec Index and constructs its portfolio based on the same structure. The majority of the fund’s assets are invested in sovereign bonds, resulting in very low credit risk. Its objective is to provide stable returns and closely track the performance of the government bond market.

    CategoryDetails
    Current Price₹63.88
    1-Year Return8.26%
    3-Year Return25.13%
    52 Week Low₹ 58.05
    52 Week High₹ 66.70
    Fund Size₹58.02 crore
    Expense Ratio0.20%
    Beta0.09
    Sharpe Ratio0.65
    Fund ManagerDarshil Dedhia

    10. AXIS Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF

    The AXIS Nifty AAA Bond Plus SDL Apr 2026 50:50 ETF is designed for investors seeking steady returns with low risk. This fund invests half of its assets in bonds of strong AAA-rated companies and the other half in State Government loans. Its working principle is simple – buy the bonds and hold them until maturity. This minimizes the impact of market fluctuations. Due to its strong credit quality, this ETF is considered a safe and reliable investment option.

    CategoryDetails
    Current Price₹13.15
    1-Year Return6.85%
    3-Year Return23.31%
    52 Week Low₹12.00
    52 Week High₹14.50
    Fund Size₹1,097.47 crore
    Expense Ratio0.10%
    Beta0.05
    Sharpe Ratio0.21
    Fund ManagerAditya Pagaria

    How Bond ETFs Works

    Step 1: Fund Manager Selects Bonds – The fund manager of a Bond ETF selects various government and corporate bonds. These bonds have different maturities and credit ratings to balance the risk.

    Step 2: Investors Buy ETF Units – Investors buy units of the ETF on the stock exchange, just like shares. This gives them exposure to multiple bonds in a single investment.

    Step 3: Bonds Generate Interest – The bonds within the ETF generate regular interest. This income is distributed to investors as dividends.

    Step 4: Price Changes According to Market Rates – When interest rates fall, the price of the Bond ETF may increase. When rates rise, the value of the ETF may decrease.

    Step 5: Investor Receives Total Return – In a Bond ETF, the investor receives a total return from two sources – regular interest income and capital gains or losses resulting from the ETF’s price movements.

    Read Also: Small-Cap ETFs to Invest in India

    Key Factors to Consider Before Choosing Bond ETFs

    1. Interest Rate Sensitivity: The price of a bond ETF depends on changes in interest rates. Short-term ETFs are less affected, while long-term ETFs react more significantly.
    2. Credit Risk: Government bond ETFs are generally considered safe. Corporate bond ETFs carry slightly more risk, but may also offer slightly better returns.
    3. Yield and Income: The ETF’s yield indicates the potential income an investor can receive. The frequency of income payments depends on the specific ETF.
    4. Expense Ratio: The expense ratio is the fund’s annual charge. A lower expense ratio is better for investors.
    5. Investment Goal: Choose an ETF that matches your investment goal, whether it’s safety or regular income.

    Conclusion 

    Investing in bond ETFs in 2026 can be a simple and safe way to invest, especially when the market is volatile. Before investing, just make sure to check the fund’s duration, expense ratio, and risk level. Every ETF works differently, so it’s best to choose carefully. Making the right choice can help stabilize your portfolio.

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1Best Debt ETFs to Invest in India
    2Top 10 Smart Beta ETFs in India
    3Best Liquid ETFs in India
    4Best Energy ETFs in India
    5Best Silver ETFs in India
    6List of Best Commodity ETFs in India

    Frequently Asked Questions (FAQs)

    1. Are bond ETFs safe to invest in 2026?

      Bond ETFs are generally considered safe, especially those holding government bonds. However, the risk is not entirely zero.

    2. Which bond ETF is best for low-risk investors?

      Government G-Sec ETFs fall into the low-risk category.

    3. Do bond ETFs provide regular income?

      Yes, most bond ETFs provide regular income from interest payments.

    4. Can I invest in bond ETFs for short-term goals?

      Yes, liquid and short-term bond ETFs are suitable for short-term goals.

    5. Is it better to invest in bond ETFs or fixed deposits?

      Bond ETFs offer flexibility and market-linked returns, while fixed deposits are more stable.

  • Benefits of HUF Account in India

    Benefits of HUF Account in India

    You plan to open an account with the bank. Now, you have the choice to open an individual savings account or a company current account. This is what people know in general. But do you know that there is an account which you can open for savings, but is not an individual savings account. This is called the HUF account.

    It sits somewhere in between personal and business banking. It allows income from ancestral property, family businesses, or joint investments to be managed under one legal structure. 

    Many people overlook it simply because it is not discussed enough. But when used correctly, it can offer tax efficiency and better savings. So, let us explore the complete details of the HUF account here in this guide. Know the HUF benefits and who can open this account here.

    What is a HUF Account?

    The HUF full form is Hindu Undivided Family. It is a legal concept recognised under Indian law, where a family is treated as one separate entity for financial and tax purposes. Instead of income being divided among individuals, certain earnings and assets are held in the name of the HUF.

    In simple terms, this is what a Hindu Undivided Family includes:

    • Members belonging to the same family by birth or marriage.
    • A Karta, usually the eldest member, who manages financial decisions.
    • A separate PAN and bank account in the HUF name.
    • Income from ancestral property, family business, or joint investments.

    Understanding the HUF account helps you see why it is often used for structured savings and tax planning.

    Read Also: HUF Demat Account: Benefits, Documents & How to Open

    Benefits of a HUF Account

    A HUF account is not only about tax saving. It plays an important role in tax saving, asset creation, and long-term planning. When families earn or invest together, this structure brings clarity and control.

    Below is a detailed explanation of HUF account benefits, covering taxation, wealth creation, and financial discipline.

    1. Separate Tax Identity and Lower Overall Tax

    One of the most important HUF benefits is its separate tax status. A HUF has its own PAN and files a separate income tax return. This allows the same family income to be split across individual and HUF entities, which can reduce the overall tax outflow in a legal way.

    2. Efficient Wealth Creation for the Family

    A HUF account helps in building wealth collectively rather than in fragmented personal accounts. Income from ancestral property, family business profits, or joint investments stays within the HUF. Over time, this allows compounding to work at a family level. This supports long-term wealth creation.

    3. Additional Tax Deductions and Exemptions

    Another key HUF account benefit is access to tax deductions similar to an individual. A HUF can claim deductions under sections such as 80C, invest in tax-saving instruments, and enjoy basic exemption limits separately. This improves post-tax returns for the family.

    4. Clear Separation of Personal and Family Finances

    Many families mix personal and joint income, which creates confusion later. A HUF account creates a clean boundary. Family income is routed through the HUF. But all the personal earnings remain separate. This improves financial discipline and transparency.

    5. Structured Investment Planning

    A HUF can invest in mutual funds, fixed deposits, bonds, and even equities. These investments belong to the family unit. It means that these are not under any one person’s name. This structure ensures continuity of investments across generations. It also reduces dependency on one individual.

    6. Support for Long-Term Succession Planning

    One often ignored HUF benefit is smoother succession. It is important to know that the HUF continues even after the death of the Karta. The assets are not disrupted. This continuity helps families plan for future generations without frequent restructuring.

    7. Better Use of Family Income Sources

    Income sources like rent from ancestral property or profits from a joint family business fit naturally within an HUF. Routing such income through a HUF account avoids unnecessary tax pressure on one individual and keeps ownership clear.

    8. Strong Foundation for Multi-Generation Wealth

    An HUF account acts as a financial backbone for the family. It helps with savings and ensures that the family generates good wealth. This is why it is considered to be a great tool for families who wish to generate wealth and build long-term savings.

    These HUF account benefits make it more than a tax structure. It is a long-term financial planning tool when used with clarity and proper advice.

    How to Open a HUF Demat Account

    The process is slightly different from an individual Demat account and follows these steps:

    1. Open a HUF Bank Account First: A HUF Demat account must be linked to an active HUF bank account. All investments and settlements flow through this account.

    2. Ensure HUF PAN Is Available: The HUF must have its own PAN. Individual PANs of members cannot be used for HUF investments.

    3. Submit Required Documents: You can open an account with any of the above. These can include direct via bank of through platforms like Pocketful. These are usually required:

    • HUF PAN card
    • PAN and address proof of the Karta
    • HUF deed or declaration
    • List of HUF members
    • Bank proof of the HUF account

    4. Karta Operates the Account: The Demat account is opened in the HUF name, but it is operated by the Karta on behalf of all members.

    5. Complete Broker KYC and Agreements: Once KYC is verified, the broker activates the HUF Demat account for trading and investing.

    Read Also: Difference Between Individual and HUF Demat Accounts

    Conclusion

    A HUF structure offers more than tax efficiency. It helps families manage income, invest together, and build wealth in a disciplined way over time. With a HUF Demat account, these benefits extend to market-linked investments as well.

    If you are planning to use HUF account benefits for long-term wealth creation, opening a HUF Demat account with Pocketful can be a practical next step. Pocketful offers a clear and guided process to help your family invest with structure and confidence.

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1Demat Account Charges Comparison
    2Lifetime Free Demat Account (AMC Free)
    3How to Open a Demat Account Online?
    4Types of Demat Accounts in India
    5Features and Benefits of Demat Account
    6Demat Account: Fees & Charges
    7How to Use a Demat Account?
    8Can I Have Multiple Demat Accounts in India?
    9Top 10 Demat Account in India
    10BSDA – What is a Basic Service Demat Account?

    Frequently Asked Questions(FAQs)

    1. Can a HUF continue if there is only one member left?

      Yes. A HUF does not end just because the number of members reduces. Even a single coparcener HUF can continue until it is formally dissolved.

    2. Can gifts be received by a HUF without tax?

      Yes, a HUF can receive gifts from its members without tax. Gifts from non-members may attract tax if they cross the prescribed limit.

    3. Can a HUF take loans or credit facilities?

      Yes. A HUF can take loans in its own name for business or investment purposes, subject to bank approval and documentation.

    4. Is it mandatory to dissolve a HUF at any stage?

      No. A HUF continues by default. Dissolution happens only through a formal partition, either total or partial.

    5. Can a HUF invest in new-age products like ETFs or bonds?

      Yes. With a HUF Demat account, investments can be made in ETFs, bonds, and other market instruments, just like an individual account.

  • Best ETF Platforms for Trading and Investment in India 2026

    Best ETF Platforms for Trading and Investment in India 2026

    If you’re considering investing in ETFs in 2026, the first step is choosing the right platform. This is where your investment journey truly begins. The right ETF broker not only minimizes your costs but also provides better order execution and useful tools. In this blog, we’ll explain in simple terms how to choose the right ETF platform for you and how to select options like Gold ETFs.

    What is an ETF Platform?

    An ETF platform is an app or website where you can easily buy and sell ETFs. Just like with stock trading, you can see live prices, place orders, and track your portfolio.

    The role of an ETF broker

    An ETF broker acts as a bridge between you and the stock exchange. When you place a buy or sell order, the broker executes it on the market. A good broker is one who provides fast execution, avoids unnecessary charges, and offers reliable support when needed.

    Difference between ETFs and Mutual Funds

    You can buy or sell ETFs at any time during the day, just like stocks. In contrast, money invested in mutual funds is processed at the Net Asset Value (NAV) at the end of the day. This means that with ETFs, you have control over the price, but with mutual funds, you simply place an order, and the price is determined later.

    Best ETF Platforms for Trading & Investment

    1. Pocketful
    2. Zerodha
    3. Groww
    4. Upstox
    5. Angel One
    6. ICICI Direct
    7. HDFC Securities
    8. Kotak Securities
    9. Sharekhan
    10. 5paisa

    1. Pocketful

    Pocketful is a rapidly emerging modern trading and investment platform launched by Pocketful Fintech Capital Private Limited. This platform is specifically designed for investors who want to make smart investments at a low cost. On Pocketful, you can trade and invest in products such as ETFs, stocks, bonds, commodities, IPOs, futures and options, and Sovereign Gold Bonds (SGBs). A key feature is the very low brokerage and charges on many services, making it a preferred choice for both new and experienced investors.

    Pocketful’s charges and brokerage

    Charge nameFees in Pocketful
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free)
    Equity delivery brokerage₹0 (Free)
    Intraday / Trade Brokerage₹20 per executed order or 0.03% of turnover, whichever is lower

    2. Zerodha

    Zerodha is a discount broker founded in 2010 by Nithin Kamath and Nikhil Kamath. Its headquarters are in Bengaluru. Zerodha revolutionized the trading industry with its low-brokerage model. On this platform, you can invest in stocks, ETFs, mutual funds, commodities, and derivatives. Its Kite trading app is fast, stable, and very popular among professional traders.

    Zerodha’s charges and brokerage

    Charge nameFees in Zerodha
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free up to holdings less than Rs. 4 Lakh)
    Equity delivery brokerage₹0 (Free)
    Intraday / Trade BrokerageFlat ₹ 20 or 0.03% (whichever is lower) per executed order

    3. Upstox

    Upstox is a well-known discount broker in India, founded in 2009 by Ravi Kumar and Shrikant Bharti. Its headquarters are located in Mumbai. Today, Upstox provides millions of investors with the ability to trade in stocks, ETFs, IPOs, commodities, and derivatives. The platform is particularly known for its fast order execution and low brokerage fees. Both its mobile app and web platform are smooth and user-friendly.

    Upstox’s charges and brokerage

    Charge nameFees in Upstox
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free for 1st year)
    Equity delivery brokerage₹20 per executed order
    Intraday / Trade Brokerage₹20 per executed order or 0.1% (whichever is lower)

    4. Angel One

    Angel One is one of India’s oldest and most trusted brokers, established in 1996.  Formerly known as Angel Broking, the company is headquartered in Mumbai. Angel One offers a wide range of investment services, including stocks, ETFs, mutual funds, IPOs, and derivatives. Its key features include trading services combined with research and expert guidance, which is particularly helpful for new investors.

    Angel One’s charges and brokerage

    Charge nameFees in Angel One
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free for 1st year)
    Equity delivery brokerage₹0 brokerage up to ₹500 for first 30 days, then lower of ₹20 or 0.1% per executed order, minimum ₹5
    Intraday / Trade Brokerage₹0 brokerage up to ₹500 for first 30 days, then lower of ₹20 or 0.1% per executed order, minimum ₹5

    5. ICICI Direct

    ICICI Direct is a leading full-service broker in India, launched in 2000 by the ICICI Bank Group. Headquartered in Mumbai, this platform is designed for investors seeking bank-linked and reliable services. With ICICI Direct, you can invest in stocks, ETFs, mutual funds, bonds, IPOs, and derivatives. Its robust research reports and professional support make it particularly attractive to long-term investors.

    ICICI Direct’s charges and brokerage

    Charge nameFees in ICICI Direct
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹300-₹700 varies on plans
    Equity delivery brokerage0.07%-0.29% varies on plans
    Intraday / Trade Brokerage0.007%-0.029% varies on plans

    6. HDFC Securities

    HDFC Securities was established in 2000 and is part of the HDFC Bank Group. Its headquarters are located in Mumbai. It is a full-service broker, considered ideal for investors who prefer to invest with the support of research and professional guidance. Through HDFC Securities, you can trade and invest in stocks, ETFs, mutual funds, IPOs, bonds, and derivatives. Its robust research reports and bank-linked services make it a reliable choice.

    HDFC Securities’s charges and brokerage

    Charge nameFees in HDFC Securities
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free for 1st  Year, ₹300-₹800 per year from 2nd year varies on plan selected)
    Equity delivery brokerageAround 0.50% (or ₹25 min)
    Intraday / Trade BrokerageAround 0.50% (or ₹25 min)

    7. Kotak Securities

    Kotak Securities was founded in 1994 and is a subsidiary of the Kotak Mahindra Bank Group. Its headquarters are located in Mumbai. It is a full-service broker, offering investment facilities in shares, ETFs, mutual funds, IPOs, bonds, and derivatives. Kotak Securities is known for its strong research team, reliable platform, and bank-linked services. It enjoys particular trust among long-term investors.

    Kotak Securities’s charges and brokerage

    Charge nameFees in Kotak Securities
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹600
    Equity delivery brokerage₹0 (Free)
    Intraday / Trade Brokerage₹10 per order or 0.05%, whichever is lower per executed order

    8. 5paisa

    5paisa was launched in 2016 and is a company associated with the IIFL Group. Its headquarters are located in Mumbai. 5paisa is a discount broker known for providing investment facilities at low brokerage rates. On this platform, you can trade in stocks, ETFs, mutual funds, IPOs, bonds, and derivatives. Its budget-friendly fee structure and simple app interface make it attractive to new investors.

    5paisa’s charges and brokerage

    Charge nameFees in 5paisa
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹300 per annum
    Equity delivery brokerage₹20/order
    Intraday / Trade Brokerage₹20/order

    9. Rupeezy

    Rupeezy is an Indian discount broking and investment platform that offers trading facilities for stocks, ETFs, mutual funds, IPOs, and derivatives. It is operated by Astha Credit & Securities Pvt. Ltd. and provides trading services on both the NSE and BSE exchanges. With Rupeezy, you can easily invest in instruments like ETFs through a simple interface.

    Rupeezy’s charges and brokerage

    Charge nameFees in Rupeezy
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free)
    Equity delivery brokerage0.1% buy & sell
    Intraday / Trade Brokerage₹20 or 0.1% (lower)

    10. Paytm Money

    Paytm Money is a subsidiary of One97 Communications. Headquartered in Bengaluru, this platform is specifically designed for investors who want to invest easily and digitally through a mobile app. On Paytm Money, you can invest in products such as stocks, ETFs, mutual funds, IPOs, bonds, and NPS. Its simple interface and trusted brand make it very popular among new investors.

    Paytm Money’s charges and brokerage

    Charge nameFees in Paytm Money
    Account opening charge₹0 (Free)
    AMC / Maintenance Charge₹0 (Free)
    Equity delivery brokerage2.5% of turnover or up to Rs. 20/- per Executed Order, whichever is lower
    Intraday 0.05% of turnover or up to Rs. 20/- per Executed Order, whichever is lower

    Read Also: Best SEBI Registered Brokers in India

    Key Factors to Consider Before Selecting an ETF Platform

    1. Brokerage and Charges : When choosing a platform, understanding the charges is crucial. Many brokers advertise low brokerage fees but add other charges like DP charges or other fees. Therefore, always check the complete fee structure before opening an account to avoid any surprises later.
    2. Order Execution and Speed : The speed and accuracy of order execution are vital when buying or selling ETFs. A good platform is one where slippage is minimal and orders are executed smoothly without delays.
    3. Available ETF Categories : Not all platforms offer all types of ETFs. Some platforms may have a wider selection of index ETFs, while others might offer better options for gold or debt ETFs. If you are interested in international ETFs, confirm beforehand whether the platform provides this facility.
    4. Research and Tools : A good ETF platform helps you make informed decisions. It should offer tools like ETF screeners, NAV tracking, and expense ratio comparisons so you can choose the right ETF without confusion.
    5. User Experience and App Stability : If the app frequently crashes or runs slowly, trading becomes difficult. Therefore, choose a platform whose mobile app and website are both smooth and perform well even under high traffic.
    6. Reporting and Tax Support : Receiving accurate reports after investing is essential. The platform should provide easy access to capital gains reports and complete transaction history to avoid any difficulties during tax filing.

    Read Also: Lowest Brokerage Charges Apps for Online Trading in India

    Conclusion 

    Investing in ETFs is easy, but choosing the right platform requires careful consideration. Every broker is different – ​​some offer lower fees, while others provide better tools. Therefore, choose a platform that matches your needs and trading style. With the right platform, investing becomes stress-free, and you can comfortably manage your finances for the long term.

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    Frequently Asked Questions (FAQs)

    1. Which is the best ETF trading platform in India?

      Currently, Pocketful, Groww, and Upstox are considered the most popular ETF platforms.

    2. Can beginners invest in ETFs?

      Yes, absolutely. ETFs are an easy and safe option for new investors because they are already diversified.

    3. Is there any risk in ETF investment?

      Yes, there is a risk because ETFs are linked to the market, but they are more transparent compared to mutual funds.

    4. Which is the best platform for Gold ETFs?

      Pocketful, Groww, and Paytm Money are considered good options for buying Gold ETFs.

    5. Do I need a demat account to buy ETFs?

      Yes, a demat account is necessary to buy ETFs.

  • Best Mid-Cap Mutual Funds in India

    Best Mid-Cap Mutual Funds in India

    Investing is not just about chasing returns, it is about finding the right balance between growth and comfort. Many investors feel large cap investments move too slowly, while aggressive strategies can bring sleepless nights. As markets evolve, the need for a middle path becomes clear. This is where mid cap investing gains importance. It offers exposure to faster growing businesses while avoiding extreme uncertainty. For investors looking to participate in India’s long term growth story without taking outsized risks, mid cap funds deserve serious attention. That is where mid-cap mutual funds step in.

    What are Mid-Cap Mutual Funds

    Mid-cap funds invest in companies that are past the survival stage but still hungry to grow. They are expanding capacity, entering new markets, and moving toward becoming tomorrow’s large-cap. For investors who can stay patient and disciplined, mid-cap funds are often a good option to consider higher growth potential.

    Mid-cap mutual funds invest in companies ranked roughly between 101 and 250 by market capitalisation, as defined by SEBI. These companies are not unknown startups. They already have products, customers, and revenues. Mid-caps are businesses in the middle of a growth journey.

    How to Choose the Best Mid-Cap Mutual Fund 

    Choosing a mid-cap fund is less about chasing returns and more about trusting the process.

    1. Look Beyond One-Year Performance – Top-performing mid-cap funds change frequently. Focus instead on consistency across market cycles, especially how the fund behaved during corrections.
    2. Pay Attention to the Fund Manager – Mid-cap investing requires judgment. A steady fund manager with a sound investment philosophy matters far more than fascinating short-term numbers.
    3. Check Portfolio Quality – A good mid-cap fund prefers fundamentally strong businesses with growing revenue and expanding margins over momentum-driven stocks.

    Read Also: Top 10 High-Return Mutual Funds in India

    List of Best Mid-Cap Mutual Funds in India

    S. NoFundsCurrent NAVFund Size (INR Crores)Expense RatioExit Load (Period)
    1ICICI Prudential Midcap Fund319.7970501.85%1.00% (1 year)
    2Mirae Asset Midcap Fund 38.44183501.65%1.00% (1 year)
    3HDFC Mid Cap Fund 205.47922001.36%1.00% (1 year)
    4Tata Mid Cap Fund 457.3354501.84%0.50% (30 days)
    5Invesco India Mid Cap Fund 184.52103001.72%1.00% (1 year)
    6WhiteOak Capital Mid Cap Fund 20.3544501.85%1.00% (30 days)
    7Canara Robeco Mid Cap Fund17.5340501.87%1.00% (1 year)
    8ITI Mid Cap Fund 22.4713002.05%0.50% (90 days)
    9Nippon India Growth Mid Cap Fund4,296.43421001.53%1.00% (30 days)
    10Aditya Birla Sun Life Mid Cap Fund 813.9262501.87%1.00% (90 days)
    (As of 7th Jan 2026)

    Overview of Best Mid-Cap Mutual Funds

    1. ICICI Prudential Midcap Fund 

    ICICI Prudential Midcap Fund is known for its balanced approach to mid-cap investing. Instead of chasing short-term market trends, it focuses on identifying companies with sustainable business models and long-term growth potential.

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    13.79%82.61%157.35%90Nifty Midcap 150 TRI

    2. Mirae Asset Midcap Fund

    Mirae Asset Midcap Fund follows a quality-focused strategy, investing in mid-cap companies with strong balance sheets and earnings visibility. It avoids excessive risk-taking and prefers businesses with clear competitive advantages. 

    1-Year Return3-Year Return5-Year ReturnNo. of StocksBenchmark
    11.40%72.12%148.80%72Nifty Midcap 100 TRI

    3. HDFC Mid Cap Fund

    One of the most well-known names in the category, HDFC Mid Cap Fund, focuses on fundamentally strong mid-sized companies with long growth runways. Its large asset base brings stability and works well for long-term investors

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    9.85%95.41%193.19%78Nifty Midcap 150 TRI

    4. Tata Mid Cap Fund

    Tata Mid Cap Fund takes a relatively disciplined approach, balancing growth opportunities with valuation comfort. It spreads investments across sectors instead of making aggressive thematic bets, which helps control downside risk.

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    8.23%81.05%141.09%69Nifty Midcap 150 TRI

    5. Invesco India Mid Cap Fund 

    Invesco India Mid Cap Fund focuses on identifying emerging businesses early in their growth cycle. The fund maintains a research-driven approach and avoids excessive churn

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    8.23%101.23%171.52%51BSE 150 Midcap TRI

    6. WhiteOak Capital Mid Cap Fund 

    WhiteOak Capital Mid Cap Fund follows a clean, process-oriented investing style, combining growth potential with risk awareness. The fund prefers companies with strong fundamentals and avoids overly leveraged or speculative bets

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    8.06%96.39%–146BSE 150 Midcap TRI

    7. Canara Robeco Mid Cap Fund

    Canara Robeco Mid Cap Fund has gained attention for its consistent performance and disciplined stock selection. The fund leans toward quality businesses and avoids chasing hot sectors blindly. 

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    6.98%73.93%–62BSE 150 MidCap TRI 100

    8. ITI Mid Cap Fund 

    The ITI Mid Cap Fund is a smaller and relatively less-discussed fund in the category. It invests across a broad range of mid-cap companies, aiming to capture growth while managing risk.

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    6.83%89.28%–85Nifty Midcap 150 TRI

    9. Nippon India Growth Mid Cap Fund

    Nippon India Growth Mid Cap Fund is among the older funds in this category and follows a growth-oriented investing style. Over full market cycles, it has rewarded investors who stayed invested and avoided reacting to short-term underperformance.

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    7.51%93.98%179.98%100Nifty Midcap 150 TRI

    10. Aditya Birla Sun Life Mid Cap Fund 

    Aditya Birla Sun Life Mid Cap Fund focuses on identifying mid-sized companies with improving fundamentals and scalable business models. 

    1-Year Return3-Year Return 5-Year Return No. of StocksBenchmark
    6.72%75.67%135.23%81Nifty Midcap 150 TRI

    Read Also: Best Performing Mutual Funds of the Last 10 Years

    Conclusion 

    Mid-cap mutual funds are not shortcuts to quick profits. They are a source of wealth creation with patience. If you invest regularly, stay disciplined during volatility, and allow time for compounding, mid-cap funds can become the growth engine of your portfolio. The real edge doesn’t come from picking the “best” fund. It comes from staying invested when it is difficult to do so.

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    Frequently Asked Questions (FAQs)

    1. Are mid-cap mutual funds risky?

      They carry more risk than large-cap funds but are generally less volatile than small-cap funds, especially when held for the long term. 

    2. What is the ideal investment horizon for mid-cap funds? 

      A minimum investment horizon of 7-8 years is recommended to ride out market volatility.

    3. Can beginners invest in mid-cap mutual funds? 

      Beginners can invest, but it is suggested to start with SIPs and limit the exposure they are comfortable with. 

    4. How many mid-cap funds one should hold? 

      Usually, one or two well-chosen mid-cap funds are enough for diversification.

    5. Is a lump-sum investment suitable for mid-cap funds?

      Lump-sum investments can be effective if you have a long investment horizon, but staggered investing is generally considered safer.

  • List of Best Index ETFs in India

    List of Best Index ETFs in India

    When investing in individual stocks, an individual faces high concentration risk. This means that the financial security of the individual depends solely on the success of the single business. If the specific business faces hard times, the whole investment of the individual is threatened.

    To counter this, an ETF (Exchange Traded Fund) provides a safer and easier way to invest by allowing immediate diversification. Instead of trying to pick the winning horse by picking one stock, an ETF helps you purchase a whole lot of some of the best companies in the market with a single investment. This will help diversify the risk and make sure that the value of your wealth rises with the rising economy and not fall with the falling prospects of the failed entity.

    With a diversified list of top-performing investments, an ETF helps to diversify your investment portfolio. It gives you the opportunity to experience the success of the markets while also serving to shield your investment from the volatility of the stock markets.

    Overview of Index ETFs in India

    An ETF (Exchange Traded Fund) is a collective investment that pools money from various investors to purchase a diversified portfolio of assets, such as stocks, bonds, or commodities. As you put your money in the Nifty 50 ETF, the fund manager invests that amount into all 50 stocks that make up the Nifty 50 index in the same ratio as the Nifty 50 index.

    The funds merely replicate a list referred to as an “Index”. For instance, the Nifty 50 Index comprises a list of the 50 biggest companies in India. The ETF manager does not use their own brain to pick stocks, instead they just copy this list. If Reliance Industries is 10% of the list, the ETF puts 10% of your money into Reliance.

    Returns Comparison of Best Index ETFs in India

    Fund Name 1 Year Return 3 Year Return5 Year Return 
    Nippon India ETF Nifty 5011.52%44.26%88.62%
    SBI Nifty 50 ETF10.18%48.25%82.81%
    ICICI Prudential Nifty 50 ETF11.10%48.29%87.86%
    HDFC Nifty 50 ETF11.1741.85% (since inception)–
    UTI Nifty 50 ETF11.96%49.04%83.54%
    Nippon India ETF Nifty Midcap 1505.19%85.46%164.24%
    Mirae Asset Nifty Midcap 150 ETF8.26%50.20% (since inception)–
    HDFC Nifty Smallcap 250 ETF-4.49%75.98% (since inception)–
    Nippon India ETF Nifty 10010.77%46.33%85.69%
    LIC Nifty 50 ETF11.41%48.93%86.66%
    (as on 12th January 2026)

    Read Also: List of Best Commodity ETFs in India

    Best Index ETFs in India

    1. Nippon India ETF Nifty 50

    This is the most popular ETF in India. The trading volume is massive, so you can buy and sell instantly without suffering bid-ask spread. It has an expense ratio of roughly 0.04%, making it a top choice for beginners and active investor The fund has a low tracking error of just 0.02%.

    2. SBI Nifty 50 ETF 

    This fund manages a huge amount of money because government bodies like the EPFO invest here. It is safe and stable compared to individual stock investing. With an expense ratio of about 0.04%, it is perfect for long-term investors who prioritize safety. The fund closely mimics its benchmark with a tracking error of only 0.02%.

    3. ICICI Prudential Nifty 50 ETF 

    It has the reputation of being highly efficient. ICICI has the reputation of maintaining the tracking error ratio well within limits. The cost ratio has been quite competitive, even at times touching 0.02%, thus emerging as the best choice for frugal investo The fund exhibits exceptional index alignment, reflected in a 0.02% tracking error.

    4. HDFC Nifty 50 ETF 

    HDFC is a trusted brand, and the ETF is very liquid and economical too. This would be a very attractive option for those who already have some investment schemes with HDFC and want to keep all the schemes under one roof. A tracking error of 0.02% underscores the fund’s high level of replication accuracy.

    5. UTI Nifty 50 ETF

    This is almost the largest in terms of size and it has a large asset base (AUM) because it handles massive investments from different government pension bodies. This large size gives it great stability and a very low tracking error of 0.02%. It has an expense ratio of 0.05% and is one of the highest reliable funds where you can buy it and forget it for long term investment. 

    6. Nippon India ETF Nifty Midcap 150

    This is a reliable option to invest in the mid cap category, with an asset base (AUM) of over 2,800 Crores. Due to its massive size investors get high liquidity making entry and exit very easy. It has an expense ratio of about 0.21% and is one of the aggressively growing mid cap funds in the market. 

    7. Mirae Asset Nifty Midcap 150 ETF

    This is the highly efficient midcap fund that manages a good asset base (AUM) of around 1,350 Crores with a low tracking error of 0.04%. This is one of the cost effective choices for the investors with its expense ratio of about 0.05%. This can be an ideal choice for the investors that are looking for a low expense ratio and high midcap growth potential.  

    8. HDFC Nifty Smallcap 250 ETF

    This is a trusted option to capture in the entire smallcap section, with an asset base (AUM) of over 1,500 Crores. This fund offers a diversified basket of around 250 high growth potential companies that are ranked between 251-500, these are the companies that are potential market leaders of the future. It has an expense ratio of about 0.25% and provides a structured low cost method to access the high risk and high return fund market.

    9. Nippon India ETF Nifty 100

    This fund provides investors with both stability and growth potential as you get top 50 companies and the best 50 growing companies in the market. It has a decent asset base (AUM) of around 325 Crores and acts as a single window to access the entire large cap market. This fund has an expense ratio of around 0.50% and is best suitable for investors that want to manage a single large cap fund rather than managing two separate funds. The fund demonstrates tight benchmark adherence, keeping tracking error down to 0.03%.

    10. LIC Nifty 50 ETF 

    This fund has a strong backing as it is backed by the most trusted insurance giant in the country, making it reliable for the investo The asset base (AUM) of this fund is around 900 Cr., this fund gives a steady and disciplined approach to track the index. It has an expense ratio of 0.06% making it a cost effective option for the investors along with the safety and history associated with the brand LIC. 

    Key Indicators of Best Index ETFs in India (KPI)

    Fund Name Current Market Price(INR)Market Capitalization (in INR Cr.)52 Week High (INR)52 Week Low (INR)
    Nippon India ETF Nifty 50291.1555,784302.25231.30
    SBI Nifty 50 ETF274.872,18,200287.33227.33
    ICICI Prudential Nifty 50 ETF289.5237,425328.24234.97
    HDFC Nifty 50 ETF287.835,150301.88240.55
    UTI Nifty 50 ETF283.1870,245297.48235
    Nippon India ETF Nifty Midcap 150226.952,812239.29179
    Mirae Asset Nifty Midcap 150 ETF22.201,36623.6116
    HDFC Nifty Smallcap 250 ETF162.101,591183.18135.21
    Nippon India ETF Nifty 100277.81327290230.35
    LIC Nifty 50 ETF285.99918295239.65
    (as on 12th January 2026)

    Read Also: Best Index Funds in India

    Advantages of Investing in Index ETFs

    • Cost Efficiency: The actively managed funds or mutual funds charge you 1% to 2% annually as Total Expense Ratio. Index ETF funds start from 0.04% per annum. This looks like a small number, but multiply it by 20 years, and it would be some lakhs of rupees that would remain with you instead of going to the fund management company.
    • High Liquidity and Real-Time Trading: You are free to buy or sell your ETF units at any time during the market hours (9:15 AM to 3:30 PM). One characteristic of mutual funds, which does not apply to ETFs, is the restriction to check the price at the end of the trading day to know the price at which you can buy or sell.
    • Broad Market Diversification: The diversification reduces company specific risk. For example, if you invest in a Nifty50 ETF, you are exposed to 50 different companies with one unit. If one fails, it doesn’t wipe out your portfolio because you have 49 other companies working for you.
    • Elimination of Fund Manager Bias: The fund manager cannot go wrong since they are not making human stock picking bias or decisions. Their decisions are governed by the rule of the index. You don’t have to worry since the manager might be having a bad year.

    Factors Affecting the Indian Stock Market in 2026

    • Foreign vs. Indian Investors : Indian markets often see FIIs selling equities to reallocate capital globally, which can pressure prices in the short term. However, steady investments from domestic investors through SIPs and institutions frequently absorb these outflows, helping markets stay stable rather than collapse.
    • Corporate Report Cards (Earnings) : Stock price changes are driven by the company’s profits. A company that misses earnings estimates will typically see a drop in their share price. Investors with a long-term investment strategy tend to focus on the fundamentals of a business, therefore, they will buy shares on corrections caused by a company’s earnings miss, as these corrections are part of the cyclical nature of all industries.
    • Global Connection: Global factors influence Indian markets. Rising US interest rates can pull capital toward US bonds, increasing volatility in India. Over time, stronger domestic growth, higher savings, and broader retail participation can reduce dependence on foreign flows, though short-term fluctuations remain inevitable.

    Things to Consider Before Buying Index ETF in India

    • Measuring the Deviation : This shows how accurately a fund tracks the index. A 10% rise in the Index means a rise of 10% in the ETF too. An ETF may rise by 9.95%, so the difference is referred to as ‘Tracking Error’. You must aim at a fund with a near zero tracking error.
    • Liquidity & Trading Volume : This is the most critical aspect. You need an ETF where thousands of people trade every day. If there are fewer people exchanging it, then it may happen that when you want to sell, there is no one to buy it or have to forcefully sell it at lower prices. Always select an ETF with high volume.
    • Asset Under Management (AUM) : Assets under Management is the amount of money that the fund has invested. This means that the more the fund is worth, the more it is likely trusted and stable. This is because it is able to accommodate more individuals.
    • Expense Ratio Comparison : It is the cost you have to pay. It is essential to look out for the lowest expense ratio at all times. It ensures that you benefit with higher returns.

    Read Also: Top Smart Beta ETFs in India

    How to Invest in Index ETFs in India

    You cannot invest in ETFs without opening a Demat account. This can easily be done online on Pocketful. Complete the e-KYC procedure. Your account will then be ready for trading. 

    Conclusion

    Investing via Index ETFs is not merely an investment decision but an investment in your future self. By making this decision, you are moving away from the “stress” of “guessing” the market and relying instead upon the growth of the best performing companies in India. This is a liberating way to build your wealth by allowing you to share the benefits of the very economy you are a part of every day, but you no longer need to be a full-time expert in order to do so.

     Remember, the art of the investment is not merely to become rich quickly but to “stay the course” and let the power of time work for you and not against you.

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    Frequently Asked Questions (FAQs)

    1. What is the minimum amount I need to start? 

      You can start with the price of just one unit, for Nifty BeES, that is around 290. You do not need thousands of rupees to begin your journey.

    2. Can I do an SIP in ETFs?

      Yes. Most brokers allow a “Stock SIP” or “ETF SIP”. You simply select a date and amount, and the broker will automatically buy the units for you every month.

    3. Are ETFs safe? 

      They carry “market risk”, if the stock market falls, your ETF value will fall. However, they are much safer than buying individual stocks because your risk is spread across 50 or 100 companies.

    4. When should I sell my ETFs?

      Sell only when you need the money for a specific goal (like buying a house or retirement). Do not sell just because the market fell 5% yesterday. Market drops are usually the best time to buy more!

    5. How are my profits taxed? 

      For Indian Equity ETFs, such as Nifty 50, if you sell within 1 year, you pay 20% tax on the profits. If you sell after 1 year, you pay 12.5% tax on the profits. The good thing is that profits up to 1.25 Lakhs in a year are tax-free.

  • Best Children’s Mutual Funds in India 2026

    Best Children’s Mutual Funds in India 2026

    The cost of education is increasing aggressively and way ahead of the return you get on traditional savings like Fixed Deposits. You require an investment option that should offer superior returns along with consistent and disciplined growth.

    Children’s Mutual Fund is specially created to cope with such a challenge. It holds the high growth capability of the stock market, which is required for wealth creation, along with a lock-in period, which encourages disciplined long-term investing and benefit from the power of compounding over time.

    This strategic investment will help your money grow at a rate that outperforms the increasing college fees, thus ensuring the substantial corpus is achieved in the next 10 to 15 years in order to give the best possible future to your child.

    The Need for Growth

    You must have read about inflation. It is the rate at which the prices rise. In India, the normal inflation rate is 5% or 6%. But the inflation rate in education is different. It rises by 10% to 12% on a yearly basis.

    This means an Rs.10 Lakhs college education will cost Rs.30 Lakhs or more once the new-born turns 18 years old. If your savings are in a Fixed Deposit, it might not grow at a rapid enough rate to keep up with this large figure. You require market-linked growth, which means your investments should grow as the Indian economy flourishes.

    What are Children’s Mutual Funds?

    These are specific mutual funds and are classified by the market regulator SEBI as ‘Solution Oriented Schemes’. The ‘solution’ here may be financing your child’s major life events such as further studies or his/her marriage.

    Unlike ordinary funds, these come with a special rule which will help you cut costs. There is a mandatory ‘lock-in’ period. This means that once you have deposited money, you cannot withdraw it for a period of 5 years or until your child is an adult 18 years.

    This lock-in effect is actually an advantage. It prevents you from withdrawing this money for such things as buying a car or going for a holiday vacation. It holds your money inside and lets it grow.

    Read Also: How to Compare Mutual Funds in India?

    Top Mutual Funds Plan for Children 

    1. SBI Children’s Fund- Investment Plan

    This fund has shown a very good performance and has given investors a return of 23% in the last 3 years. This mutual fund is volatile but powerful as well, in this the fund manager invests large amounts in equities and focuses on high growing sectors like finance and consumption. It is very high risk and is best suitable for long term investment (7+ years). 

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    22.77%27.93%32.73%

    2. ICICI Prudential Child Care Fund (Gift Plan)

    It has shown a strong performance with an annual return of 18% in the last 3 years and around 15% in the last 5 years. This is a balanced mutual fund which follows a dynamic asset allocation strategy that jumps between equity and debt to protect you during the market downturn. It is highly risky but it is reliable for long term investment of about 7-10 years.

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    18.33%15.58%15.49%

    3. HDFC Children’s Gift Fund

    This fund has a stable and consistent performance and has delivered 15% returns in a year for the last 3 years and about 16.5% in the last 5 years. This is a highly stable equity fund and here the manager maintains a large cap bias (stable players like HDFC Bank, ICICI bank), this helps in reducing the volatility. This is an aggressive hybrid fund that is highly risky and best suitable for parents that are looking to compound steadily. 

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    15.82%15.92%15.47%

    4. Tata Young Citizens Fund

    It has a moderate performance with returns of 13% per annum over the last 3 years and about 14% for the last 5 years. This fund has about 96% exposure to the equity and behaves like a Flexi-Cap fund where investment is done across different companies. This fund is highly risky with no debt cushion and is much riskier than the hybrid options available in the market.

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    13.41%13.83%5.61%

    5. SBI Children’s Fund – Savings Plan

    This fund has given a return of 12% per annum in the last 3 years. You can get maximum stability in this as this is a debt based fund where investments are mainly in bonds which give fixed income with small investments in stocks. Here the risk is between moderate to high and it is best suited to save your capital rather than purely focusing on the growth.

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    12.26%12.68%10.63%

    6. Aditya Birla Sun Life Bal Bhavishya Yojna

    This fund has shown a moderate performance with 15% annual returns in the last 3 years. The fund focuses on growth and operates as a diversified equity fund that has a mix of large cap and mid cap stocks. It is high and is best suitable if you are looking for an equity based portfolio for your child’s future.

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    16.99%12.67%13.09%

    7. LIC MF Children’s Fund

    This fund has given a return of 11% in the last 3 years making it behind the other similar mutual funds. It has low AUM risk and even the size of the fund is small, which can result in liquidity problems or even expense ratio fluctuations. It is a very risky fund although the AUM is low with lower returns but other options in the market. 

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    12.45%10.01%10.20%

    8. UTI Children’s Equity Fund

    This has shown a stable performance and has delivered 15% returns in the last 3 years and about 14% in the last 5 years. The fund manager follows a “Growth at Reasonable Price” (GARP) strategy, avoiding overly expensive stocks. This is a high risk based fund which has pure equity funds best suitable for aggressive investors.

    3 Year Return (CAGR)5 Year Return (CAGR)Returns Since Inception (CAGR)
    15.43%14.07%13..75%

    Overview of Best Mutual Funds Plan for Children 

    Fund NameCategoryAUM (Rs.Cr)Expense RatioNo. of StocksBenchmark
    SBI Children’s Fund- Investment PlanAggressive Hybrid5,0531.83%38CRISIL Hybrid 35+65 Aggressive Index
    ICICI Prudential Child Care Fund (Gift Plan)Aggressive Hybrid1,4242.17%91NIFTY 50 Hybrid Composite Debt 65:35 Index
    HDFC Children’s Gift FundAggressive Hybrid 10,6321.74%44NIFTY 50 Hybrid Composite Debt 65:35 Index
    Tata Young Citizens FundFlexi Cap/Solution3672.59%51NIFTY 500 TRI
    SBI Children’s Fund – Savings PlanConservative Hybrid 3,2251.24%35NIFTY 50 Hybrid Composite Debt 15:85 Index
    Aditya Birla Sun Life Bal Bhavishya YojnaFlexi Cap/Solution1,2032.15%72NIFTY 500 TRI
    LIC MF Children’s FundFlexi Cap/Solution162.45%64CRISIL Hybrid 35+65 Aggressive Index
    UTI Children’s Equity FundFlexi Cap/Solution1,1802.22%61NIFTY 500 TRI

    Read Also: Best Investment Options in India

    Key Features of Mutual Funds for Children

    • Equity (Stocks): A major portion of it is invested in stock of companies. It is the portion that helps multiply your money quickly in a matter of years.
    • Debt (Bonds): Some portion of the money goes to safe government bonds or to safe businesses. This portion functions as a safety cushion. If your stock goes down, this portion holds your entire money intact.

    Aggressive and Conservative Plans

    • Aggressive Plans: In these plans, the portfolio is mainly invested in the stock market (approximately 65% to 80%). It is suitable for the child if he/she is very young, as you will have more than 10 years to grow the savings. Higher growth is associated with higher risk, and time helps to overcome the risk.
    • Conservative Plans: Money is mostly invested in secure bonds and a comparatively lower amount in stocks. This is ideal for your child if he or she is 15 years old already and the money is needed immediately. There is less point in risking the money if the target is achieved.

    Advantages of Children’s Mutual Fund Plans

    Replacing Your Future Self With Your Bigger Present Self

    Compounding is simple arithmetic where your interest earns even more interest. By investing Rs.10,000 every month for 15 years at a 12% return, you can walk away with about Rs.50 Lakhs. The total amount that the principal put in was only Rs.18 Lakhs. The rest was house money, the money that your money made for you. Time is the best ingredient for this magic formula.

    Lock-in Induced Discipline

    We always tend to dip into our savings for short-term requirements. The 5-year lock-in in these funds rules that out. It legally assures that the money intended for your child’s college fees is not touched. We are told how the enforced discipline is the reason many parents opt for this over open-ended funds.

    Education at High-Rate

    The rate of inflation in education is well known to be on the order of 10% to 12%. Traditional savings like PPF give around 7.1%. The PPF’s actual purchasing power is falling relatively as the cost of education is rising. 

    Tax Benefits

    You pay taxes your gains are taxed favorably even as you invest with your post-tax income. In case you sell the fund after a year, profit exceeding Rs.1.25 Lakh is at 12.5%. This is much lower than the 30% tax you might pay on Fixed Deposit interest if you are in the highest tax bracket.    

    Things to Consider Before Investing in Children’s Mutual Fund Plans

    Assessing Time Horizon

    The investment choice depends entirely on how many years remain until you need the money. If your child is 0 to 5 years old, you have a long horizon and should choose aggressive funds rich in stocks for maximum growth. If the child is 10 to 12 years old, a balanced approach is safer. However, if the child is over 15, you have very little time to recover from market crashes, so you must avoid risky equity funds and stick to safer debt funds or conservative plans.

    Risk

    Think about whether you can bear what happens when the investment value goes down temporarily. The stock market fluctuates and goes down and up. In the end, it goes up. However, for a short period, it can be alarming. If you tend to panic, select a fund that holds a larger amount of debts such as HDFC Children’s Fund.

    Minimizing Costs

    Every mutual fund incurs an expense ratio. Always select the Direct Plan while making an investment. This is possible through apps like Zerodha or Groww. The Direct Plan incurs lower expense ratios (approximately 0.8% to 1%) in contrast to the Regular Plan (approximately 2%). The difference of 1% in 15 years results in a massive difference.   

    Regulatory and Tax Implications

    Opening the Account

    These funds are opened in the name of the Minor Child. You will be the Guardian. You cannot add a joint holder. The investment belongs to the child. You need the child’s birth certificate and your own KYC documents (PAN/Aadhaar) to open the account. The money can come from your bank account or the child’s bank account.    

    Clubbing of Income

    Income earned by a minor is added to the parent’s income for tax purposes (“Clubbing”). You get a small exemption of Rs.1,500 per child per year. However, you only pay tax on mutual funds when you sell. If you hold until the child turns 18, you defer the tax liability.

    Child Turning 18 (Minor to Major)

    When the child turns 18, the account freezes. You must submit a “Minor to Major” application. The child (now adult) needs their own PAN card, bank account, and KYC. The control of the money legally shifts to the child.

    Read Also: Best Safe Investments with High Returns in India

    Conclusion 

    Future security is the best gift you can give a child. When you plan now, you help make sure that money won’t stand in the way of your child’s education or career.

    A child mutual fund gives you the discipline of a lock-in and the benefit of market-linked gains. The same effect can be noticed in funds like the SBI Magnum Children’s Benefit Fund which has proved that one can significantly beat inflation with right strategy. Keep that in mind, start early. Even if you can’t start big, start now. Small sacrifices now will build a mountain for you child to stand on tomorrow.

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    Frequently Asked Questions (FAQs)

    1. Can the invested amount be withdrawn before the lock in period is over? 

      No, the lock-in period is a mandatory factor in these funds. You cannot withdraw the money before the lock in period or until the child turns 18.

    2. Who pays the tax on the gains?

      As long as the child is a minor the parent (guardian) pays the tax on the gains. The income is clubbed with the parent who earns more. Once the child turns 18 they become responsible for the tax on any future gains.    

    3. What documents are required before opening the minor account?

      A child’s birth certificate or passport is the primary document that is required as this is the age proof, also PAN card and Aadhar card of the parents or guardian is required.    

    4. Can I invest the money on my name or is it mandatory to do the investment on a child’s name?

      You can invest in either of them as it is totally your choice and there is no tax benefit if you do it on a child’s name due to the clubbing provision.    

    5. What happens if I die? 

      If the guardian passes away a new guardian (usually the other parent or a court-appointed legal guardian) must be registered with the fund house.    

  • Best Packaging Stocks in India 2026

    Best Packaging Stocks in India 2026

    Whenever you are visiting any supermarket, you identify the products based on the packaging. The companies engaged in packaging started gaining importance among the investors because of rising consumption, e-commerce, etc.

    In today’s blog post, we will give you an overview of the best packaging stocks in India, along with the key benefits of investing in them.

    What are packaging stocks?

    The packaging stocks are the shares of those companies which manufacture packaging material primarily used by stores, transport, market products, etc. The packaging material used by these companies is an essential element across different industries such as FMCG, food and beverage, pharmaceuticals, e-commerce, etc.

    Top Packaging Stocks in India

    1. EPL Limited
    2. AGI Greenpac Limited
    3. Uflex Limited
    4. Balmer Lawrie & Company Limited
    5. TCPL Packaging Limited
    6. Polyplex Corporation Limited
    7. Huhtamaki India Limited
    CompanyCurrent Market Price (INR)Market Capitalisation (in INR crore)52-Week High52-Week Low
    EPL Limited2116768267175
    AGI Greenpac Limited74047911089599
    Uflex Limited4883520686438
    Balmer Lawrie & Company Limited1843144238147
    TCPL Packaging Limited2991273549102864
    Polyplex Corporation Limited84326501411774
    Huhtamaki India Limited2071558273170
    (Data as of 6th Jan 2026)

    Overview of Best Packaging Stock in India

    The overview of the best packaging stock in India is as follows:

    1. EPL Limited

    The company was founded in 1982; previously, it was known as Essel Propack Limited. This company is a part of the Essel group. Initially, the company was engaged in the manufacturing of laminated tubes, and later it started supplying packaging material to various FMCG brands, including Colgate-Palmolive, Unilever and Dabur etc. In the 2000s, the company started establishing manufacturing plants in Europe, the USA, and other countries. In 2020, the company changed its name to EPL Limited. The company’s head office is situated in Mumbai.

    2. AGI Greenpac Limited

    AGI Greenpac Limited company was incorporated in Kolkata and was initially known as Hindustan Twyfords Limited. And later in 1969, it was renamed to Hindustan Sanitaryware and Industries Limited. In 2011, it started expanding into PET packaging and acquired Garden Polymers Private Limited. In 2022, the company changed its name to AGI Greenpac Limited to reflect its packaging business. The headquarters of this company is situated in Gurugram. 

    3. Uflex Limited

    Uflex is one of the largest packaging companies in India, founded in 1985 by Mr Ashok. It also offers packaging products like pouches, sachets, etc. Later in the 2000s, the company expanded into printing cylinders, chemicals, holography, etc. The company has supplies to over 150 countries. Its head office is situated in Noida. 

    4. Balmer Lawrie & Company Limited

    Balmer Lawrie & Company Limited company was founded in 1867 by a Scottish businessman. Later, the company converted into a private limited and public limited in 1924 and 1936, respectively. Later in 1997, the company achieved the status of Miniratna by the government of India. The company provides industrial packaging solutions such as steel barrels, drums, etc. The headquarters of the company is situated in West Bengal.

    5. TCPL Packaging Limited

    The company is one of India’s largest manufacturers of folding cartons. The company was founded in 1987 and primarily engaged in providing paperboard products. Later in 2008, the company was renamed to TCPL Packaging Limited. It has recently launched a new greenfield manufacturing plant in Chennai. The company’s headquarters is situated in Mumbai.

    6. Polyplex Corporation Limited

    Polyplex Corporation Limited company was incorporated in 1984 and was engaged in manufacturing polyester film in India. In 2000, the company expanded its manufacturing units in Thailand, the USA, Indonesia and Turkey. It also diversified into BOPP, CPP, and blown films. It has a manufacturing unit in Uttarakhand. The company’s head office is situated in Noida. 

    7. Huhtamaki India Limited

    The company was established in 1935 in Lahore (now Pakistan) as The Paper Products Limited and relocated to India in 1947. Its initial focus is on consumer packaging. In 1950, it was listed on the Bombay Stock Exchange. In 1999, a Finnish company named Huhtamaki Oyj acquired majority stakes in the company. The company renamed itself to Huhtamaki India Limited in 2020. The company’s headquarters is situated in Mumbai.

    Read Also: Best Paper Stocks in India

    Key Performance Indicators (KPIs)

    CompanyROE (%)ROCE (%)Operating Profit Margin (%)Net Profit Margin (%)
    EPL Limited15.2418.8012.748.58
    AGI Greenpac Limited15.3718.5820.2212.75
    Uflex Limited1.928.787.571.04
    Balmer Lawrie & Company Limited13.5012.9012.017.74
    TCPL Packaging Limited22.2123.0113.108.07
    Polyplex Corporation Limited5.557.347.135.19
    Huhtamaki India Limited7.377.614.103.48
    (Data as of 31st  March 2025)

    Benefits of Investing in Packaging Stocks

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

    1. Increased Demand: There are various products, such as food, medicines, personal care, etc., which require packaging, ensuring consistent demand for packaging.
    2. Eco-friendly: Consumers are shifting their preferences towards recyclable packaging. Therefore, the companies which are investing in green packaging technologies will gain market share in future.
    3. Client Base: In the packaging industry, companies tend to have long-term contracts with their clients and have repeat orders, which increases the chance of getting consistent revenue.

    Factors to Consider before Investing in Packaging Stocks

    There are various factors which one should consider before investing in packaging stocks:

    1. Financial Performance: Before considering investment in packaging stocks, one is required to check the financial performance of the company to determine whether the company is profitable and has consistent revenue or not.
    2. Technology: Companies which adopt advanced technologies and have research and development capabilities must be given priority over other packaging companies.
    3. Client Concentration: If the company has limited clients, then it may be risky for the company in case they lose any clients. Investors should check Top 5 or Top 10 customer Contribution in revenue and select the company with least concentrated revenue distribution.

    Future of Packaging Stocks

    The future of the packaging industry is very bright because of the increasing demand for packaging material from different industries such as FMCG, pharma, etc. As of 2025, the industry is currently valued at around 7.36 lakh crores and is expected to reach 12.5 lakh crores by 2029. Considering increasing consumption in the economy, the demand will still be on a higher side for packaging material. Hence, one can invest in packaging companies’ stocks for the long term. 

    Read Also: Best Plastic Stocks in India

    Conclusion

    On a concluding note, the Indian packaging industry is positioned for strong growth because of increasing consumption, etc. Also, the e-commerce industry helps the packaging industry grow in the long run. Various companies are operating in this sector. However, it is advisable to conduct a deep research and consult your investment advisor before making any investment in the packaging industry. To invest in packaging sector stocks, one is required to open a demat and trading account with Pocketful, as it also offers free brokerage on delivery trades.

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    Frequently Asked Questions (FAQs)

    1. Name packaging companies in India?

      The packaging companies in India include EPL Limited, Uflex Limited, AGI Greenpac Limited, etc.

    2. What are the factors to be considered before investing in packaging stocks?

      The key factors which an investor is required to consider before investing in packaging stocks include regulatory risk, client concentration, etc.

    3. Is it a good time to invest in packaging stocks?

      Yes, it is a good time to invest in packaging stocks because the demand for everyday consumption products is increasing, along with the growth of e-commerce, etc.

    4. How can I invest in packaging companies?

      To invest in packaging companies, one is required to have a demat and trading account. Pocketful offers you an opportunity to open a lifetime free trading and demat account with Pocketful, and it also offers free brokerage on delivery trading, along with advanced trading tools.

  • Best Short-Term Investments in 2026

    Best Short-Term Investments in 2026

    In 2026, many people are looking for investments where their money isn’t tied up for too long. The reason is clear the market can fluctuate rapidly, and sometimes unexpected personal needs arise that require quick access to funds. Short-term investments come in handy in such situations, allowing you to invest your money for a few months or 1-2 years, earn a decent return, and withdraw it when needed. This blog is for those who want to use their idle money wisely without taking on excessive risk.

    What Is Considered a Short-Term Investment?

    Short-term investments are typically made when it’s clear that the money cannot be invested for an extended period. These investments are for a few months or about 1–2 years, with the focus on preserving capital and ensuring easy access to the funds when needed. High returns are not expected; instead, the priority is on steady and practical returns.

    Best Short-Term Investments

    1. High-Yield Savings Accounts
    2. Money Market Accounts 
    3. Treasury Bills (T-Bills)
    4. Short-Term Bond Funds
    5. Liquid Funds
    6. Ultra Short Duration Debt Funds
    7. Fixed Deposits (Short Tenure) / CDs
    8. Corporate Debt & Commercial Paper Funds
    9. Arbitrage Funds / Low Volatility Strategies
    10. Peer-to-Peer (P2P) Lending Platforms

    Overview of Best Short-Term Investments in India

    1. High-Yield Savings Accounts

    A high-yield savings account is a type of bank account that pays a higher interest rate than a regular savings account. The money is completely safe and liquid, meaning it can be withdrawn immediately when needed. While the returns are limited, the risk is very low. Therefore, it’s a practical option for an emergency fund or for parking money in the short term.

    AspectDescription
    RewardStable and secure interest
    RiskVery little
    LimitationLimited returns
    Right for whom?Emergency fund, idle cash

    2. Money Market Account / Cash Management Account

    Money market accounts and cash management accounts are structured ways to hold money for the short term. Their goal is to provide better returns than a savings account, while keeping risk relatively low. They offer good liquidity, although some accounts may have withdrawal limits or minimum balance requirements. This option is useful for those who want to keep their money safe temporarily and be able to quickly transfer it to other investments when needed.

    AspectDescription
    RewardBetter returns than a savings account.
    RiskVery little
    LimitationThere may be withdrawal or balance limits.
    Right for whom?Short-term cash parking, active investors

    3. Treasury Bills (T-Bills)

    Treasury Bills, or T-Bills, are short-term investments issued by the government for a few months. They are considered very safe because they are backed by the government. The return is fixed in advance and is not significantly affected by market fluctuations. However, the return is limited, making them suitable for those who prioritize the safety of their principal over high returns.

    AspectDescription
    RewardSafe and guaranteed returns
    RiskVery little
    LimitationLimited returns
    Right for whom?Capital protection, short-term goals

    4.Short-Term Bond Funds

    Short-term bond funds are mutual funds that invest in short-term bonds. Their goal is to provide slightly better returns than savings or liquid investment options, but without taking on excessive risk. They may experience some market fluctuations, but the volatility is significantly lower compared to equities. 

    AspectDescription
    RewardThe potential for better returns than savings.
    Risklow to medium
    LimitationThe NAV may fluctuate slightly due to market conditions.
    Right for whom?1-2 year short-term goals

    5. Liquid Funds

    Liquid funds are mutual funds that invest in very short-term debt instruments. Their objective is to preserve capital and provide returns slightly better than a savings account. They offer quick access to funds, making them suitable for short-term cash management. The risk is low, but the returns are also limited. This is ideal for investors who may need their money within a few months.

    AspectDescription
    RewardStable and predictable returns
    RiskLess
    LimitationHigh returns are unlikely.
    Right for whom?Short-term needs of 3-6 months

    6. Ultra Short Duration Debt Funds

    Ultra short duration debt funds are funds that invest in debt instruments with maturities ranging from a few months to approximately one year. They may offer slightly better returns than liquid funds, but also carry slightly higher risk. They are considered a balanced option for investors with a short-term investment horizon. However, they may experience minor fluctuations in their Net Asset Value (NAV).

    AspectDescription
    RewardBetter returns than liquid funds.
    Risklow to medium
    LimitationNAV shows slight fluctuation.
    Right for whom?6-12 month investment horizon

    7. Short-Term Fixed Deposits (FDs)

    In short-term fixed deposits, money is deposited in the bank for a fixed period and earns a predetermined interest rate. This option is chosen for short-term investments because it involves virtually no risk and offers predictable returns. The limitation is that withdrawing the money before maturity may incur a penalty. This is suitable for investors who want to avoid market risk and prefer a guaranteed return within a specific timeframe.

    AspectDescription
    RewardFixed and secure interest
    RiskVery little
    LimitationPenalty on premature withdrawal
    Right for whom?Risk-averse investors, fixed goals

    8. Corporate Debt / Commercial Paper Funds

    Corporate debt or commercial paper funds are funds that invest in short-term debt issued by companies. They may offer slightly better returns compared to government alternatives, but they also carry credit risk. Therefore, the quality of the fund and its portfolio are crucial. This option is suitable for investors who are willing to take on a little extra risk for potentially higher short-term returns.

    AspectDescription
    RewardBetter returns than government options
    Riskmedium
    LimitationCredit risk exists.
    Right for whom?Investors who take moderate risk

    9. Arbitrage Funds / Low Volatility Strategies

    Arbitrage funds are mutual funds that profit from price differences between the cash market and the futures market. They do not involve direct market risk like equities, so volatility is limited. Returns are not very high in the short term, but they offer good stability. The drawback is that returns can be limited when arbitrage opportunities are scarce. This option is suitable for investors who want tax-efficient and stable returns in the short term without direct equity exposure.

    AspectDescription
    RewardStable and tax-efficient return
    RiskLess
    LimitationReturns depend on market opportunities.
    Right for whom?Conservative investors, short-term parking

    10. Peer-to-Peer (P2P) Lending Platforms

    In P2P lending platforms, investors lend money directly to individuals or small businesses for short periods. In return, the returns can be higher than those of other short-term investment options. However, this also comes with default risk, meaning the borrower might not repay the loan. Liquidity can also be limited, as the money is tied up for a fixed period. Therefore, this option is considered suitable only as a small part of a diversified portfolio, not for the entire portfolio.

    AspectDescription
    RewardRelatively high returns
    RiskMedium to high
    LimitationDefault and liquidity risk
    Right for whom?Experienced investors, limited allocation

    Read Also: Best Investment Options in India

    Key Factors to Evaluate Before Choosing Short-Term Investment Options

    1. Investment Horizon : First, it should be clear when the money will be needed. If it’s needed in 3–6 months, very safe and liquid options are best, while for 1–2 years, options with slightly better returns can be chosen.
    2. Ease of withdrawal : Not all investments allow immediate withdrawal. Some offer same-day withdrawal, while others require you to wait until maturity. Therefore, it’s crucial to understand the exit rules before investing.
    3. How much risk can you take : If the money is essential, keep the risk low. Those with a financial cushion can consider options with slightly higher returns for a limited portion of their investment.
    4. Tax Efficiency : Returns from short-term investments are often taxable. Therefore, it’s important to focus not just on the return, but on the amount received after taxes.
    5. Return Visibility : In some investments, the return is predetermined, while others are market-linked. For short-term goals, options with more predictable and transparent returns are more practical.

    Common Mistakes to Avoid in Short-Term Investments

    1. Chasing high returns without understanding the risks : Many people invest after seeing high returns in the short term, but they don’t understand the associated risks. The pursuit of quick profits often leads to losses.
    2. Ignoring taxes on interest or profits : Returns from short-term investments are often subject to taxes. Making decisions based solely on gross returns is not advisable; post-tax returns are what truly matter.
    3. Locking up money that you might need soon : If an investment makes it difficult to withdraw money before a fixed period, choosing it for short-term goals can be a mistake. This can create problems when you need the money.
    4. Confusing short-term investing with trading : Short-term investing doesn’t mean buying and selling every day. Making frequent decisions without a plan turns it into speculation rather than investment.

    Read Also: Types of Investment in the Stock Market

    Conclusion

    The most important thing in short-term investing is to clearly define when you will need the money. Choosing your investment options accordingly will prevent your money from getting tied up and avoid unnecessary risk. Every investment serves a different purpose: some offer security, others provide slightly better returns. By striking the right balance, short-term investments prevent your money from sitting idle and ensure it’s available when you need it. Invest in stocks and bonds efficiently with Pocketful’s modern investment platform.

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    Frequently Asked Questions (FAQs)

    1. What are short-term investments?

      These are investments where money is invested for a short period and can be withdrawn quickly when needed.

    2. Which are the safest short-term investments in 2026?

      High-yield savings accounts, short-term FDs, and Treasury Bills are considered among the safest.

    3. Do short-term investments give high returns?

      Generally, no, but they are better and safer than regular savings accounts.

    4. Are short-term investments risky?

      The options that are considered safe have low risk; the risk increases with different investment options.

    5. How much money should be kept in short-term investments?

      It’s best to keep at least enough money to cover 3-6 months of expenses.

  • Natural Gas Price Predictions for Next 5 Years in India

    Natural Gas Price Predictions for Next 5 Years in India

    In India, discussions surrounding natural gas have intensified recently. Whether it’s the rising demand for CNG and PNG or the increased use of gas in industries, the impact is directly visible in prices. This is why people are now keen to know what the natural gas price predictions for the next 5 years suggest. This blog attempts to explain, in simple terms, the direction in which gas prices might move in the coming years due to increasing demand and dependence on imports.

    Natural Gas Price Trend in India: Last 5 Years

    YearPrice Range (₹)Market Trend
    2021182 – 485Recovery phase, improvement in demand
    2022277 – 801Rapid rebound from the global crisis
    2023372 – 376Market stability
    2024210 – 355Prices are softening.
    2025305 – 494Increased demand leads to strength.

    Natural Gas Price Predictions Next 5 Years

    YearExpected Price Range (₹)Key Reason
    2026₹340 – ₹420Global supply tightness continues, demand remains strong; LNG imports in India are likely to remain expensive.
    2027₹350 – ₹440India’s gas consumption is increasing, driven by infrastructure expansion and government policy support.
    2028₹360 – ₹460Increased LNG capacity will help with supply, but demand pressure will remain.
    2029₹370 – ₹480Long-term demand growth and import dependency could push prices higher.
    2030₹380 – ₹500India’s gas consumption could increase by approximately 60% by 2030, providing long-term price support.
    • Impact on CNG and PNG Prices : When natural gas becomes more expensive, it directly impacts the prices of CNG and PNG. Since a large portion of the gas supplied to cities comes from imported LNG, an increase in international market prices can lead to higher rates for transportation and domestic gas. This affects the monthly expenses of ordinary consumers.
    • Impact on Power Generation and Industry : Power plants and industries such as fertilizers, steel, and chemicals are heavily reliant on natural gas. Rising prices increase production costs, which can lead to higher electricity prices and reduced profits for companies.
    • Cost Pressure on Businesses and Households : High gas prices can make transportation, electricity, and everyday necessities more expensive. This impacts both the budgets of ordinary families and the operating costs of small businesses.

    Current Natural Gas Price Scenario (2026)

    • Present Price Levels (MCX & Domestic) : Currently, Natural Gas Futures prices on India’s MCX are trading at approximately ₹290 – ₹300 per mmBtu, based on data for January-February 2026. This range is market-linked and influenced by international gas prices, supply-demand balance, and seasonal demand. The domestic natural gas ceiling price set by the Indian government is also regularly updated (e.g., the rate issued by PPAC for January 2026).
    • Demand From Key Sectors (Energy, Industry, CNG/PNG) : Natural gas consumption in India is showing a steady annual growth of 3-4% in early 2026, particularly from sectors such as refining, fertilizers, and city gas distribution. This supports domestic demand. Demand for gas in the City Gas Distribution (CNG/PNG) sector also remains stable, especially during the winter months, which creates seasonal pressure on prices.
    • Price Compared With Historical Averages (Trend) : The recent MCX price range of ₹290-₹300 for the early months of 2026 is slightly lower or stable compared to the last few months, while significantly lower than the highs of 2022-23. This indicates that current gas prices are at a mid-cycle level and reflect a normal market sentiment without any major shocks.

    What Investors and Businesses Should Watch

    • Key Price Signals : Investors and companies should regularly monitor MCX Natural Gas futures, international LNG prices (such as Henry Hub and Asian spot rates), and India’s monthly domestic gas price (released by PPAC). These three indicators together provide insights into market direction and whether prices are likely to rise or fall.
    • Long-Term Contracts vs. Spot Purchases : For companies that use gas continuously (such as power plants or industries), long-term LNG contracts offer greater price stability by reducing price uncertainty. Spot market purchases, on the other hand, are advantageous when international prices are low. Finding the right balance is crucial.
    • Risk Management and Planning : Companies can use MCX futures and hedging tools to lock in their costs in advance. This reduces the risk of sudden price increases and facilitates budget planning.

    How to Invest in Natural Gas 

    • Trading on MCX : If you’re looking for short-term opportunities, you can trade natural gas contracts on MCX. Prices fluctuate daily, and people try to profit from these movements. However, entering the market without understanding it is not advisable; it’s essential to observe the trends first.
    • Investing in gas-related companies : If trading commodities directly seems difficult, you can buy shares of companies involved in gas extraction, supply, or pipeline operations. This approach is suitable for those who want to invest for the long term.
    • The mutual fund route : If you don’t have the time to select individual stocks, you can consider energy sector mutual funds. In these funds, professionals manage your investments, which helps to balance the risk.

    Risk of Investing in Natural Gas

    • High Price Volatility : Natural gas prices fluctuate very rapidly. Weather, supply, and international news can directly impact its price.
    • Risk of Leverage : Futures trading involves large transactions with relatively small capital, which can lead to significant losses.
    • Dependence on Global Factors : India is dependent on LNG imports, so fluctuations in the international market directly affect prices here.
    • Risk of Poor Timing : Entering the market without proper research and planning increases the likelihood of losses.

    Conclusion

    Overall, natural gas prices in India will depend on several factors in the coming years – such as global markets, rising domestic demand, and LNG imports. Past trends show that gas prices are not static. Therefore, understanding market dynamics and avoiding hasty decisions will be crucial before making any investment choices.

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    Frequently Asked Questions (FAQs)

    1. What are the natural gas price predictions for the next 5 years in India?

      Prices over the next 5 years may fluctuate depending on the global market and India’s growing demand.

    2. Will natural gas prices go up in the future?

      Yes, a gradual increase is possible, but there may also be intermittent declines.

    3. What mainly affects natural gas prices?

      LNG imports, supply and demand, weather, and international news have the biggest impact.

    4. Is investing in natural gas safe?

      It’s a risky market, so investing without understanding it is not advisable.

    5. How should beginners invest in natural gas?

      Start with a small amount and understand the market first before investing.

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