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  • Top 10 Beverage Stocks In India

    Top 10 Beverage Stocks In India

    Consider this: we often begin every morning with a steaming cup of tea or coffee and wrap up with a chilled beer or soft drink. Yet, we rarely give much thought to the successful companies that manufacture these beverages, even though their products are such an integral part of our daily lives. The fact is that the beverage industry does more than just satisfy thirst, as it also offers good investment opportunities as well.

    This blog explores the top 10 beverage stocks in India, which are companies that produce the beverages we all enjoy and that investors are keeping an eye on for consistent growth. 

    What Are Beverage Stocks?

    Beverage stocks are essentially stocks of companies that manufacture, package, or sell beverages, including fruit juices, energy drinks, bottled water, fizzy colas, coffee, and even alcoholic beverages like beer, vodka, and whisky.

    There are two major categories:

    • Non-alcoholic (such as protein shakes, tea, or soft drinks)
    • Alcoholic beverages (such as whisky, rum, and beer)

    Regardless of the economic circumstances, people buy beverages, which is why these stocks are generally considered dependable choices for long-term investments.

    List Of 10 Best Beverage Stocks 

    CompanyCurrent Market Price (In ₹)Market Capitalization (In ₹ Crores)52-Week High (In ₹)52-Week Low (In ₹)
    Varun Beverages4511,52,524683419
    United Breweries1,98352,4332,3001,810
    Radico Khaitan2,58234,5472,7901,628
    Allied Blenders & Distilleries42211,798455279
    Tilaknagar Industries3436,644457200
    Som Distilleries & Breweries 1573,06317395.6
    Globus Spirits9592,7781,373751
    Sula Vineyards3042,564514243
    G.M. Breweries7451,7031,049579
    Orient Beverages22348.1416211
    (Data as of 3 July 20, 2025)

    Read Also: List Of Best FMCG Stocks In India

    Overview Of 10 Best Beverage Stocks In India

    An Overview Of The 10 Best Beverage Stocks In India Is Given Below:

    1. Varun Beverages 

    Pepsi and all the soft drinks associated with the PepsiCo brand you enjoy in India are made by Varun Beverages. It was founded in 1995 and is now one of the biggest PepsiCo bottlers outside of the U.S. They bottle and sell everything from Mountain Dew to Slice, Tropicana, and Aquafina. The company has grown quickly, especially in smaller cities, and has a pretty good distribution network. Varun Beverages has modern facilities and is focused on growth, making it one of the strongest companies in India’s non-alcoholic beverages market.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -29.52%186.49%631.20%
    (Data as of 3 July 20, 2025)

    Read Also: Varun Beverages Case Study

    2. United Breweries 

    Talking about beer in India would be impossible without mentioning United Breweries’ flagship product, Kingfisher. This company was founded in 1915 and has since become one of the most renowned brands in the beer industry in India. Currently, Heineken owns the majority of this Bengaluru-based company. Beverages manufactured by United Breweries are available all over India, making them perfect whether it’s at a cricket match, a party, or a restaurant.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -3.64%31.31%88.81%
    (Data as of 3 July 20, 2025)

    3. Radico Khaitan 

    Radico Khaitan has been around since 1943. But it flourished in the late 1990s when it introduced new brands, like Magic Moments vodka and 8 PM whisky. These names are now very popular. Radico doesn’t just do business in India; it ships its products to more than 30 other countries. It has also created an international division, namely Radico International in the year 2003 and introduced brands such as Beck’s Beer and wines from E&J Gallo in the Indian alcohol market.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    51.96%204.21%607.53%
    (Data as of 3 July 20, 2025)

    4. Allied Blenders & Distillers

    When discussing whisky in India, Allied Blenders & Distillers is always mentioned. ABD, which is well-known for brands like Officer’s Choice and Sterling Reserve, made a big impression with its initial public offering (IPO), debuting almost 13% above its offer price. It is a key player in the alcohol industry, distributing a wide range of products, including whiskey, rum, vodka, brandy, and other spirits. The company holds a strong global presence, exporting its products to over 22 countries.  Its early success in the public market, despite a high P/E, demonstrates how much investors trust this company.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    25.68%33.14%33.14%
    (Data as of 3 July 20, 2025)

    5. Tilaknagar Industries 

    Tilaknagar Industries has been around since the 1930s and is the company behind the well-known whisky brand “Mansion House.” The company is based in Mumbai and mostly sells Indian Made Foreign Liquor (IMFL), especially brandy and whisky. It has a strong presence in southern India and has been steadily expanding its reach across the country. Tilaknagar Industries offers a wide range of products, such as brandy, whiskey, vodka, gin, rum, etc. The company has a strong distribution network, and its products are exported to international markets.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    39.51%355.35%1,634.86%
    (Data as of 3 July 20, 2025)

    6. Som Distilleries & Breweries 

    Based in Bhopal, Som Distilleries is renowned for making low-cost drinks like Hunter and Black Fort beers. Since 1993, they have been in business and have gradually grown by continuing to provide high-quality products at competitive prices. Mostly found in central and northern India, their products are slowly making their way across the country. They also make whisky, rum, and vodka, which is a good combination for consumers on a tight budget.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    28.11%429.49%983.83%
    (Data as of 3 July 20, 2025)

    7. Globus Spirits 

    Globus Spirits is all about spirits, ranging from more high-end IMFL brands to your general country spirits. It was founded in 1993 and is a versatile player because it also produces industrial alcohol and ethanol. The company has manufacturing facilities in states like Rajasthan, Bihar, and Haryana. In addition to selling goods like alcoholic beverages, it gains from the Indian government’s initiative for manufacturing of cleaner fuel through ethanol. If you’re considering both consumer demand and industrial relevance, this company can be a good investment option. 

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    14.13%2.71%667.83%
    (Data as of 3 July 20, 2025)

    8. Sula Vineyards

    Sula Vineyards If you’ve ever had Indian wine, it was probably from Sula. Rajeev Samant started this company in Nashik in 1999. It brought wine culture to India. Sula has a wide range of wines, including reds, whites, sparkling wines, and rosé. They even made the first wine tourism spot in India! Sula has something for everyone, from casual drinkers to serious individuals who enjoy wine. 

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -39.74%-15.72%-15.72%
    (Data as of 3 July 20, 2025)

    9. GM Breweries 

    GM Breweries is a small company in Mumbai that has been making IMFL and country liquor since 1981. Founded in 1981 by Shri Jimmy William Almeida, the company has grown to become the largest manufacturer of country liquor in Maharashtra and Goa, holding a significant market share. They have fully integrated production facilities, which helps them save money and time. In the liquor industry, GM Breweries is a strong local player with good growth potential.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -18.12%56.77%133.12%
    (Data as of 3 July 20, 2025)

    10. Orient Beverages 

    Based in Kolkata, Orient Beverages has been in business since the 1960s. It is primarily known for producing bottled water and soft drinks, particularly in eastern India. In certain areas, it has collaborated with well-known brands like Bisleri over the years. If you want to invest in local businesses that operate consistently, Orient is a good option.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -44.99%213.49%311.60%
    (Data as of 3 July 20, 2025)

    Read Also: List of Best Liquor Stocks in India

    Key Performance Indicators

    CompanyOperating Margin (In %)Net Profit Margin (In %)ROE (In %)ROCE (In %)Debt-To-Equity
    Varun Beverages19.4113.1715.6220.860.14
    United Breweries7.224.9610.1214.490.13
    Radico Khaitan11.097.1112.5517.390.23
    Allied Blenders & Distilleries11.105.5312.6323.220.58
    Tilaknagar Industries16.8716.0226.0225.530.05
    Som Distilleries and Breweries10.727.2412.8317.330.23
    Globus Spirits3.120.862.356.310.52
    Sula Vineyards20.3712.1211.9716.920.51
    GM Breweries25.2120.2713.7417.070
    Orient Beverages7.111.8414.3718.133.42
    (Data as of March 2025)

    Benefits of Investing in Beverage Stocks

    The benefits of investing in beverage stocks are listed below:

    • Beverages are daily essentials, so demand stays strong regardless of economic cycles.
    • Strong brand loyalty helps these companies maintain steady sales.
    • Wide distribution networks support consistent market reach and growth.
    • Ability to pass on cost increases to consumers protects profit margins.
    • Many beverage companies offer steady cash flows and dividends, making them attractive for long-term investors.
    • Good option for portfolio diversification due to their stable performance.

    Read Also: Best Alcohol Penny Stocks in India

    Disadvantages of Investing in Beverage Stocks

    The disadvantages of investing in beverage stocks are listed below:

    • These companies are subject to strict regulations and high taxes, especially in the alcoholic segment.
    • Vulnerable to changing consumer preferences (e.g., shift toward healthier drinks).
    • Fluctuating raw material costs can reduce profit margins.
    • India’s beverage industry is a competitive market that makes it hard to maintain high growth rates.
    • Reputation risks and compliance issues can impact brand value and sales.

    Read Also: List Of Best Ethanol Stocks in India

    Conclusion 

    The beverage industry in India offers numerous investment opportunities as these businesses are expanding swiftly and adapting to their customers’ demands. They produce everything from soft drinks to well-known alcohol drinks. Although they may not at first appear like the most fascinating investments, some of the beverage companies have an excellent track record. So, the next time you drink soft drink or an alcoholic beverage, remember that you could also be investing your money into the company that made it. However, before making any investments, you should consult a financial advisor or do thorough analysis yourself. Read company news, keep an eye on financial performance, and always think long term.

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    Frequently Asked Questions (FAQs)

    1. Are stocks in the beverage industry a good long-term investment?

      Yes, especially companies with well-known brands that have a stable customer base and stable revenues.

    2. Which beverage company in India has the biggest market cap?

      Presently, Varun Beverages Ltd. is the leader in non-alcoholic drinks, and United Spirits Ltd. is the leader in alcoholic drinks based on market capitalization.

    3. Is investing in stocks related to alcoholic beverages risky?

      Investment in stocks of companies that manufacture alcoholic beverages can be risky due to changing regulations and high taxes, but they also have high margins.

    4. What does the future hold for the Indian beverage industry?

      The future seems bright for the Indian beverage industry because incomes are expected to rise, development of cities, and changing lifestyles.

    5. How can I select the best beverage stocks before I buy them?

      Look at KPIs like sales, profit margins, and market share before buying any beverage stock. However, it is essential to consider your risk tolerance and consult a financial advisor before investing.

  • Difference Between ROCE and ROE

    Difference Between ROCE and ROE

    To choose the right stock in the share market, it is very important to understand the financial health of the company. Two important ratios ROE (Return on Equity) and ROCE (Return on Capital Employed) help a lot in this. Both these metrics show how profitably the company is using its capital. 

    It is important for today’s investors to know the true meaning of ROCE and ROE in the share market, how they are different and how to use them.

    What is ROE?

    ROE, i.e. Return on Equity, tells how much profit the company is making from its shareholders’ money. It is calculated using this formula:

    Formula : ROE = Net Profit ÷ Shareholders Equity × 100

    If a company has a high ROE, it means that it is using its investors’ capital well. Generally, an ROE of 15% or above is considered good. ROE matters more in sectors where capital requirement is less like technology and finance industry.

    Example: Suppose a company has a net profit of ₹50 crore and shareholders equity is ₹250 crore,

    Then, ROE = (50 ÷ 250) × 100 = 20%

    This means the company is earning a profit of ₹20 on every ₹100 of capital invested by shareholders. So, ROE is an important metric, especially when it comes to long term investing.

    What is ROCE?

    ROCE stands for Return on Capital Employed. ROCE shows how much a company has earned using its total capital resources (i.e. equity + debt). This metric is especially important for capital intensive companies that rely on both debt and shareholder’s equity to earn profits.

    Formula : ROCE = (EBIT ÷ Capital Employed) × 100

    where, EBIT = Earnings Before Interest and Taxes.

    Example : If a company has EBIT of ₹60 crores and total capital of ₹300 crores, then ROCE will be 20%.

    ROCE =  (60 ÷ 300) × 100 = 20%

    Meaning, the company is earning ₹20 from every ₹100 of total capital, indicating its strong financial performance.

    ROE vs ROCE : Key Differences

    ParameterROE (Return on Equity)ROCE (Return on Capital Employed)
    ObjectiveMeasures the return generated on shareholders’ equityMeasures the return generated on total capital employed (equity + debt)
    FormulaNet Profit ÷ Shareholders’ Equity × 100EBIT ÷ (Equity + Debt) × 100
    Capital ConsideredOnly shareholders’ equityBoth shareholders’ equity and borrowed capital (debt)
    What It IndicatesHow efficiently a company generates profit using owners’ fundsHow efficiently a company uses all available capital to generate operating profits
    Impact of DebtHigh debt can artificially inflate ROEDebt is included, so it reflects a more accurate financial performance
    Best for SectorsAsset-light sectors like IT and BankingCapital-intensive sectors like Manufacturing, Infrastructure, Oil & Gas
    ReliabilityLess reliable in highly leveraged companiesMore transparent and reliable across different capital structures
    Long-Term PerspectiveCan sometimes show better short-term returnsBetter suited for long-term performance evaluation, especially for companies with debt

    Which Ratio Is Better for Investors?

    Let us look at practical applications of these ratios.

    1. When is ROE more useful?

    ROE matters the most when the company has little or no debt, such as in IT or finance companies. In such cases, this ratio shows how well the company is earning returns on its shareholders’ capital.

    2. When is ROCE more reliable?

    If the company is in a capital-intensive sector, such as manufacturing, power or infrastructure, ROCE gives a more accurate picture. Because this ratio takes into account both debt and equity and tells how much profit the company is earning from the total capital.

    3. Impact of debt on both ratios?

    Sometimes ROE looks very good, but the reason for that might be the company’s high debt. ROCE clears this confusion because it also includes debt while calculating returns, which gives an idea of ​​​​the real efficiency.

    4. Why look at both together?

    If you are thinking of long term investment, then both ROE and ROCE should be looked at together. ROE shows how much profit the shareholders are getting, while ROCE gives an understanding of how efficiently the company has used all its resources.

    Practical Example : Comparing Two Companies

    Example: Company A vs Company B – Comparison of ROE and ROCE

    Financial Data (₹ in Crores)

    ParameterCompany ACompany B
    Shareholders’ Equity₹80 Cr₹140 Cr
    Long-Term Debt₹120 Cr₹220 Cr
    Capital Employed₹200 Cr₹360 Cr

    Income Statement Highlights (₹ in Crores) : 

    Income StatementCompany ACompany B
    EBIT₹50 Cr₹70 Cr
    Interest Expense₹12 Cr₹30 Cr
    PBT₹38 Cr₹40 Cr
    Tax₹8 Cr₹10 Cr
    Net Profit₹30 Cr₹30 Cr

    ROE = (Net Profit ÷ Shareholders’ Equity ) X 100

    • Company A: ROE = (30 ÷ 80)X 100   = 37.5%
    • Company B: ROE = (30 ÷ 140) X 100  = 21.4%

    ROCE = (EBIT ÷ Capital Employed )  X 100

    • Company A ROCE = (50 ÷ 200)X 100   = 25%
    • Company B ROCE = (70 ÷ 360) X 100  = 19.4%

    Company A  has a total capital of ₹200 crore (equity of ₹80 crore and loan of ₹120 crore). With this capital, the company earned a great return of 37.5% ROE and 25% ROCE.

    Company B has a total capital of ₹360 crore, with equity of ₹140 crore and loan of ₹220 crore, but even then its ROE was only 21.4% and ROCE was 19.4%.

    This comparison clearly shows that:

    Company A earned more returns with less capital – meaning its business is more effective and capital-efficient.

    Company B did not show the same efficiency even after investing more money, meaning the use of capital was not that effective.

    Bottom line: Just having a lot of capital is not enough; what matters is how wisely that capital is used.

    Common Mistakes to Avoid 

    Some of the common mistakes to avoid while analysing equities using ROCE and ROE are listed below:

    • Investing just by looking at high ROE : High ROE is not always a good sign. Many times companies take huge loans to show high ROE, which hides the real profitability. That is why it is important to look at ROCE and debt level along with ROE.
    • Ignoring ROCE, especially in capital-intensive sectors : In companies that invest heavily in assets (such as steel, infrastructure or manufacturing), ROCE matters more. Ignoring it means ignoring the actual efficiency of the company in generating profits.
    • Looking at data of only one year : Taking a decision by looking at only one year’s ROE or ROCE numbers can be a big mistake. One should always look at trends of 3–5 years to get an idea of ​​consistency and sustainability.
    • Not comparing with industry average : Every company belongs to a specific industry with some unique characteristics. Technology companies are usually capital-light, while utilities or infrastructure firms require substantial investment. It is important to compare ROE and ROCE with the sector average.
    • Immediately considering low ROE as negative : Some mature and steady companies may have low ROE, but they give consistent dividends and stable cash flow. In such a situation, do not take investment decisions just by looking at the numbers, also look at the business model and long-term performance.

    Conclusion

    Both ROCE and ROE show the company’s earning capacity from different perspectives. ROE tells how much return the company is earning from shareholders’ capital, while ROCE shows the returns earned by utilization of the entire capital. It is not right to take a decision by looking at only one ratio. Smart investors identify the real strength of the company by looking at both together. It is essential to consult a financial advisor before investing.

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    Frequently Asked Questions (FAQs)

    1. What is the key difference between ROE and ROCE?

      ROE shows the return on equity only, whereas ROCE shows the return on total capital (debt + equity).

    2. Which is better: ROE or ROCE?

      Both convey important insights about the company’s performance and must be used together to analyze the company.

    3. Can a company have high ROE but low ROCE?

      Yes, this can happen if the company has taken a lot of debt.

    4. Is ROCE important for companies with a lot of  debt?

      Of course, ROCE shows how much profit the company is earning from its total capital, which includes debt.

    5. How many years of ROE/ROCE data should we analyze?

      Consistency of company’s financial performance can be understood by looking at the data of at least 3 to 5 years.

  • Difference Between Options and Futures

    Difference Between Options and Futures

    Trading isn’t just about taking advantage of price fluctuations by buying or selling shares. Especially when you deal with commodities or indices, you’ll come across two key instruments, known as futures and options. 

    At first glance, these two might look the same. But in nature and in how their value changes, they are quite different. So, now the question is, what is the difference between futures and options?

    In this blog, we will discuss the difference between futures and options and their features.

    Understanding Options and Its Features

    Options are derivative contracts and these give you the right, but not the obligation, to buy or sell an asset at a specific price. This asset can be stocks, commodities, or indices. You can buy or sell it at a fixed price called the strike price. You have to use this right within a certain time period. To obtain this right, you pay a fee called the premium.

    There are two types of options, which are:

    • Call Option: It gives you the right, but not the obligation, to buy the asset at a fixed price. Say, you buy a call option with a ₹100 strike price. Now the stock rises to ₹120. Here, you can exercise your call option to buy at ₹100 and make a profit.
    • Put Option: It gives you the right, but not the obligation, to sell an asset at a fixed price. For example, if you buy a put option with a ₹100 strike price. Now, the stock falls to ₹80,you can exercise your put option to sell at ₹100 and make a profit.

    Features of Options

    Some of the features of options are listed below:

    1. Right Without Obligation

    Options give the buyer the right to buy or sell the underlying asset. Remember, it is not the obligation to buy or sell the underlying asset at a fixed price within a set timeframe.

    2. Premium-Based Contract

    The buyer pays a premium to the seller (writer) for this right. Premium is the maximum loss for the buyer. For the seller, it is the maximum profit if the option expires worthless, but risk can be much higher.

    3. Defined Risk and Unlimited Reward (for Buyer)

    Buyers can only lose the premium, but their potential gain is theoretically unlimited (in the case of calls) or substantial (in puts).

    4. Obligation on Seller

    The seller must honor the contract if the buyer chooses to exercise the option. This exposes the seller to significant risk, especially in uncovered positions.

    5. Contract Size (Lot Size)

    Options are traded in fixed lot sizes, which vary depending on the underlying asset (e.g., 25 shares for some stock options in India). This determines the total premium of the contract.

    6. Strike Price

    This is the pre-decided price at which the option buyer can exercise the option. It directly impacts profitability and intrinsic value.

    7. Intrinsic and Time Value

    An option’s price (premium) consists of:

    • Intrinsic Value: The real, in-the-money value.
    • Time Value: The extra value due to time left until expiry and expected volatility.

    8. Expiry Date

    Every option has a specific expiry date, post which it becomes invalid. This could be weekly, monthly, etc.

    9. American vs. European Options

    • American Options: Can be exercised any time before expiry.
    • European Options: Can only be exercised on the expiry date (common in India for index options).

    10. Used for Hedging and Speculation

    Options serve multiple purposes such as:

    • Hedging: Options can be used to protect an existing portfolio.
    • Speculation: Options can be used to bet on directional movement.

    Read Also: What is Options Trading?

    Understanding Futures and Its Features

    A futures contract is a standardized derivative contract, which defines terms for buying or selling an asset at a predetermined price on a specific date in the future. The underlying asset can be a commodity, currency, stock, or index.

    Unlike options, futures come with a clear obligation. Both the buyer and the seller must honour the contract, no matter what the market price is at the time of expiry. So, whether the price goes up or down, the contract has to be honored.

    The best example of this is a farmer who agrees to sell wheat at ₹2,000 per quintal after 3 months. Even if market prices change, both buyer and seller must honor the deal. It ensures price certainty but involves risk as the price of the underlying asset may move against your position. These are traded on organized exchanges, ensuring transparency and easy access. 

    Features of Futures

    1. Standardization

    Futures contracts are standardized contracts with terms such as the quantity, quality, and delivery date of the underlying asset pre-determined. 

    2. Exchange-Traded

    All futures contracts are traded on regulated exchanges. This ensures transparency. Also, since the futures contracts are accessible to all, there is more liquidity.

    3. Obligation to Buy/Sell

    Both the buyer and the seller must fulfill their obligation based on the futures contract specifications. The futures contract can either be settled through physical delivery of underlying assets or via cash settlement. 

    4. Margin Requirements

    Traders must deposit an initial margin. It is important to maintain a minimum balance (maintenance margin) as collateral to hold on to your trading positions. 

    5. Leverage

    Futures contracts allow traders to make a relatively large trading position with a small amount of money, known as margin. This helps increase potential profits, but also magnifies losses.

    6. Mark-to-Market Settlement

    Profits and losses are settled daily. The value of your trading position is adjusted at the end of every trading day to reflect the current market price.

    7. Hedging and Speculation

    Futures can be used by hedgers to protect their investment portfolios against adverse price fluctuations. Futures contracts can also be used by speculators to profit from price movements.

    8. Expiration Date

    Every futures contract has a set expiration date. This is the date on which the contract must be settled, either by delivery of underlying assets or by cash.

    9. Settlement Options

    Contracts can be settled by physical delivery of the asset or by cash settlement. It is based on the contract specifications.

    10. Liquidity and Price Transparency

    Futures markets are highly liquid and are traded on the exchanges. This ensures efficient price discovery and easy entry/exit for traders.

    Read Also: What is Future Trading and How Does It Work?

    Difference Between Futures and Options

    Now that you know the basic details of both, let us explore the difference between futures and options here:

    FeatureFutures ContractsOptions Contracts
    ObligationBuyer and seller are obliged to complete the transaction on the agreed date.Buyer has the right, not the obligation, to buy/sell the asset before expiry.
    ExecutionMust be executed on the specified future date.Some options can be exercised anytime before expiry (for American options).
    Upfront CostNo upfront premium; margin is required.The buyer pays a premium upfront to buy the option.
    RiskHigher risk; both parties can face unlimited profit or loss.Limited risk for buyers (loss limited to premium paid). 
    Profit/Loss PotentialBoth profit and loss potential can be large and theoretically unlimited depending on price movements.Profit can be unlimited; loss for buyers is limited to premium.
    LiquidityGenerally higher liquidity; suitable for day trading.Far OTM and ITM options may be less liquid compared to futures.

    Read Also: Best Options Trading Chart Patterns

    Key Differences Between Futures and Options You Should Know

    Till now, you know what the difference is between futures and options at large. But do you need to focus on all while investing? Well, yes, but there are some that hold more importance. These are:

    1. Liquidity

    Futures are generally more liquid than options.

    At a given time, there can be only three to four futures contracts with different expiries available for trading, due to which they have higher volumes. On the other hand, there can be dozens of options contracts of the same asset with different strike prices, This makes futures more suitable for intraday traders who need fast execution and minimal price slippage. 

    2. Price Movement

    Prices of Futures contracts move more quickly compared to options contracts.

    Futures contracts mirror real-time price changes in the underlying asset. On the other hand, options react more slowly because their price sensitivity (delta) is usually less than 1. This is because multiple factors, such as time value, delta, and volatility influence them. Out-of-the-money options, in particular, tend to show smaller price changes.

    3. Capital Risk and Time Decay

    Options, when compared to futures, lose value over time due to time decay.

    With options, the premium you pay reduces as the expiry date nears. This is called time decay. That means even if the market moves in your favor, your option might lose value daily. Futures don’t suffer from time decay but carry higher risk due to compulsory execution.

    Read Also: Types of Futures and Futures Traders

    Conclusion

    Understanding the difference between futures and options is key to becoming a smart trader. While both are derivative contracts, they serve different needs. Futures come with an obligation to buy or sell and are preferred for their liquidity. Options, on the other hand, provide an opportunity to speculate with limited risk.

    So, what is the difference between futures and options in simple terms? Futures require compulsory execution, while options give you the right but not the obligation. That’s the core of it. Remember, the choice between futures and options is all about risk management and your trading strategy.

    To make your trading journey smoother, platforms like Pocketful offer the right technical tools to analyze market movements. So, open a trading and demat account today and start your trading journey.

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    Frequently Asked Questions (FAQs)

    1. What is the main difference between futures and options?

      The main difference lies in obligation. Futures require both the buyer and the seller to honor the terms of the contract on the predetermined date, while options give the buyer the right but not the obligation to buy or sell an asset.

    2. Which is safer for beginners: futures or options?

      Options are generally safer for beginners because the maximum loss is limited to the premium paid for option buyers. Futures involve higher risk as losses can be unlimited if the market moves against your position.

    3. Can I trade futures and options with small capital?

      You can trade futures and options with a small capital as futures require a small margin while options require the full premium payment upfront to create a position.

    4. Are futures and options available for all stocks?

      No, only selected stocks that meet exchange criteria (like market cap, liquidity, and volume) have futures and options available for trading. You can check the approved F&O stock list on the NSE or the broker’s website.

    5. What is the risk involved in futures and options trading?

      Futures involve high risk as both parties must honor the contract, which can lead to unlimited losses if the market moves against your trading position. Options carry limited risk for buyers (only the premium paid), but sellers may face larger losses. Proper trading strategy and risk control are crucial in both cases.

  • 20 Side Income Sources Apart From Full-Time Salary

    20 Side Income Sources Apart From Full-Time Salary

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

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

    Top 20 Side Income Sources

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

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

    Read Also: 10+ Best Investment Plan for Monthly Income in India

    Detailed Breakdown: 20 Side Income Ideas You Can Start Today

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

    1. Freelancing

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

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

    2. Online Tutoring or Selling Courses

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

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

    3. Blogging or YouTube Channel

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

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

    4. Affiliate Marketing

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

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

    5. Digital Products

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

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

    6. Stock Photography

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

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

    7. Handmade Crafts / Instagram Store

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

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

    8. Voiceover or Podcasting

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

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

    9. Art, Dance or Music Classes

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

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

    10. Making Instagram Reels / YouTube Shorts

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

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

    11. Stock Market

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

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

    12. Real Estate Rental Income

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

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

    13. Mutual Funds / SIP

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

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

    14. REITs (Real Estate Investment Trusts)

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

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

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

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

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

    16. Food Truck or Weekend Cafe Stall

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

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

    17. Event Photography or Videography

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

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

    18. Renting out a car, room or equipment

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

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

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

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

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

    20. Fitness trainer or yoga instructor

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

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

    Read Also: Types of ITR: Which One Should You Choose?

    How to Choose the Right Side Income for You

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

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

    Conclusion

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

    Frequently Asked Questions (FAQs)

    1. What is the best side income source in India?

      Freelancing, online teaching and content creation are good options.

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

      Yes, many ideas discussed above can be done on weekends or in free time.

    3. Do I need money to start a side income?

      Some of the ideas discussed above can be started without any investment.

    4. How much time does a side income source take?

      One can start by working 1–2 hours daily to earn a side income.

    5. Is it legal to have side income in India?

      Yes, as long as the income is earned in the right way and taxes are paid.

  • Top 10 MNC Companies in India

    Top 10 MNC Companies in India

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

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

    What are MNC Companies?

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

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

    Top 10 Multinational Companies in India

    Company NameCurrent Price (₹)Current Price (₹)52 Week High (in ₹)52 Week Low (in ₹)
    Reliance Industries1,50720,39,6141,6091,115
    Bharti Airtel2,01512,09,1672,0251,408
    Infosys1,6186,72,0372,0071,307
    ITC Limited4205,25,468495390
    Larsen & Toubro3,6915,07,6253,9642,965
    HCL Technologies1,7304,69,4642,0121,303
    Sun Pharmaceuticals Industries1,6714,00,9291,9601,498
    Wipro2682,80,869325225
    Indian Oil Corporation Ltd1472,07,229186111
    Tata Steel Ltd.1622,02,296178123
    (Data as of 27 June 2025)

    Read Also: 10 Top Companies in India by Market Capitalization

    Overview of the Top 10 Multinational Companies in India

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

    1. Reliance Industries

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

    Read Also: Reliance Industries Case Study

    2. Bharti Airtel

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

    Read Also: Bharti Airtel Case Study

    3. Infosys

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

    Read Also: Infosys Case Study

    4. ITC Limited

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

    Read Also: ITC Case Study

    5. Larsen & Toubro

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

    Read Also: Larsen & Toubro Ltd Case Study

    6. HCL Technologies

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

    Read Also: HCL Technologies Case Study

    7. Sun Pharmaceuticals Industries

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

    Read Also: Sun Pharma Case Study

    8. Wipro

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

    Read Also: Wipro Case Study and Marketing Strategy

    9. Indian Oil Corporation

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

    Read Also: Indian Oil Case Study

    10. Tata Steel

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

    Read Also: Tata Steel Case Study

    Key Performance Indicators 

    Company NameBasic EPS (₹)Operating Profit Margin (%)Net Profit Margin (%)ROE (%)ROCE (%)
    Reliance Industries51.4713.508.378.258.70
    Bharti Airtel5828.4219.5229.5214.72
    Infosys64.5023.3216.4127.8735.85
    ITC 27.7935.6646.3849.6136.41
    Larsen & Toubro109.3610.336.9115.3914.89
    HCL Technologies64.1620.4214.8624.9630.84
    Sun Pharmaceuticals 45.6027.8820.8815.1319.83
    Wipro12.5621.2614.8015.9419.03
    Indian Oil Corporation Ltd9.872.991.587.298.22
    Tata Steel Ltd.2.747.511.363.758.49
    (Data as of March 2025)

    Factors to Consider before Investing in MNC Stocks

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

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

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

    Read Also: Top Power Companies in India

    Advantages and Disadvantages of Investing in MNCs

    Advantages 

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

    Disadvantages 

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

    Advantages and Disadvantages of Investing in MNCs

    Advantages 

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

    Disadvantages 

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

    Conclusion

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

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

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1Different Types of Companies in India
    2Top Navratna Companies list in India
    3Fastest Growing Industries in India
    4List of Maharatna Companies in India
    5Miniratna Companies in India

    Frequently Asked Questions (FAQs)

    1. What defines a multinational company (MNC)?

      An MNC has operations in a number of countries and is involved in manufacturing or providing services in more than one nation.

    2. What makes India attractive to MNCs?

      Multinational companies are attracted to India due to its vast market, skilled human resources, and supportive business policies.

    3. How do MNCs impact local businesses?

      xcorporations encourage healthy competition which has mixed effects for local businesses. They create more business opportunities through service contracts or buying from local suppliers.

    4. Does India have laws governing operations of multinational c ompanies?

      Yes, foreign companies operating in India need to operate as per the relevant laws in India.

    5. Can Indian companies become MNCs?

      Definitely, numerous Indian companies are already operating in multiple countries and have become MNCs over the years.

  • Top 10 Food Delivery Stocks in India

    Top 10 Food Delivery Stocks in India

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

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

    India’s Online Food Delivery Sector

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

    What are Food Delivery stocks?

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

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

    10 Best Food Delivery Stocks Based on Market Capitalisation

    CompanySector / CategoryCurrent Market PriceMarket Capitalisation (in INR crore)52-Week High52-Week Low 
    Eternal Ltd (Zomato)Food Delivery + Quick Commerce₹ 3253,13,829 ₹ 334 ₹ 190
    Swiggy LtdFood Delivery + Instamart₹ 4361,08,823 ₹ 617 ₹ 297
    Jubilant FoodWorksQSR (Franchisee)₹ 66143,596 ₹ 797₹ 558
    Devyani InternationalQSR (Franchisee)₹ 18422,668 ₹ 223 ₹ 130
    Westlife Foodworld QSR (Franchisee)₹ 74511,616 ₹ 960 ₹ 641
    Sapphire Foods IndiaQSR (Franchisee)₹ 32110,328 ₹ 401₹ 242
    Restaurant Brands AsiaQSR (Franchisee)₹ 80.04,658 ₹ 116 ₹ 59.4
    Barbeque Nation HospitalityCasual Dining + Delivery₹ 2571,003 ₹ 712₹ 246
    Coffee Day EnterprisesCafe + Online Delivery₹ 47.0993 ₹ 51.5 ₹ 21.3
    Speciality RestaurantsFine Dining + Delivery₹ 126610 ₹ 181 ₹ 114
    (Data as of 9 September 2025 )

    Read Also: 7 Top Food Stocks in India

    Overview of the Top Food Delivery Stocks 

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

    1. Eternal Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    24.77%423.23%180.43%
    (Data as of 9 September 2025 )

    2. Swiggy Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    3.85%3.85%3.85%
    (Data as of 9 September 2025 )

    Read Also: Swiggy Case Study

    3. Jubilant FoodWorks Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    2.82%2.82%46.39
    (Data as of 9 September 2025 )

    4. Devyani International Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    1.04%-3.59%31.48%
    (Data as of 9 September 2025 )

    5. Westlife Foodworld Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    -10.73%9.54%103.22%
    (Data as of 9 September 2025 )

    6. Sapphire Foods India Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    -3.12%10.93%18.89%
    (Data as of 9 September 2025 )

    7. Restaurant Brands Asia Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    -25.85%-39.52%-28.82%
    (Data as of 9 September 2025 )

    8. Barbeque Nation Hospitality Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    -60.44%-78.46%-47.45
    (Data as of 9 September 2025 )

    9. Coffee Day Enterprises Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    31.66%-12.70%19.92%
    (Data as of 9 September 2025 )

    10. Speciality Restaurants Ltd.

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

    Know the Returns: 

    1Y Return (%)3Y Return (%)5Y Return (%)
    -24.20%-45.28%278.34%
    (Data as of 9 September 2025 )

    Read Also: List of Best Cosmetics Stocks in India

    Key Performance Indicators (KPIs)

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

    CompanyOperating Margin (%)Net Profit Margin (%)ROE (%)ROCE (%)Debt to Equity
    Eternal Ltd (Zomato)4.202.601.732.630.00
    Swiggy Ltd-19.71-20.45-30.49-25.830.00
    Jubilant FoodWorks10.332.7210.0213.070.71
    Devyani International5.61-0.130.836.570.85
    Westlife Foodworld 5.620.482.0121.350.51
    Sapphire Foods India5.200.571.375.810.01
    Restaurant Brands Asia-2.81-9.12-23.79-2.670.33
    Barbeque Nation Hospitality4.10-2.19-7.664.840.19
    Coffee Day Enterprises5.16-12.74-2.241.660.53
    Speciality Restaurants9.825.036.649.390.00
    (Data as of March 2025)

    How to Analyze Food Delivery Stocks?

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

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

    Benefits of Investing in Food Delivery Stocks

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

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

    Read Also: List Of Best Textile Stocks in India

    Risks & Challenges in Investing in Food Delivery Stocks

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

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

    Read Also: 10 Best Copper Stocks in India

    Conclusion 

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

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    Frequently Asked Questions (FAQs)

    1. What are food delivery stocks?

      Shares of companies that operate in the online food ordering or QSR model that accept online orders are called food delivery stocks.

    2. Which is better, Zomato or Swiggy?

      Both have different strengths; Zomato has recently turned profitable while Swiggy’s quick commerce is growing rapidly.

    3. Are food delivery stocks a risky investment?

      Yes, these companies face stiff competition and may take a long time to be consistently profitable.

    4. Is this sector good for long-term investment?

      If the company is strong and the business model is sustainable, then it can be a good investment option for the long term.

    5. What is the future growth potential of food delivery companies in India?

      With the growing number of internet users, increase in disposable incomes and the habit of online ordering in India, this sector is likely to witness rapid growth in the coming years.

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

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

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

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

    Early Life & Education

    DetailInformation
    NameRakesh Radheshyam Jhunjhunwala
    Date of Birth5 July 1960
    Place of BirthHyderabad, Telangana (then Andhra Pradesh)
    Father’s NameRadheshyam Jhunjhunwala
    EducationB.Com (Sydenham College), Chartered Accountant (ICAI)
    ProfessionInvestor, Trader, Businessman
    Date of Death14 August 2022, Mumbai, Maharashtra, India

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

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

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

    Read Also: Rakesh Jhunjhunwala Penny Stocks

    Starting the Investment Journey

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

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

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

    Rakesh Jhunjhunwala’s Net Worth Over Time

    Net Worth Timeline

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

    Rakesh Jhunjhunwala Per Day Income & Portfolio Strategy

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

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

    Key points of his strategy:

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

    Beyond Stock Market: Akasa Air & Private Ventures

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

    • Co‑Founder of Akasa Air : He joined Akasa Air in July 2021 and invested $35 million in the initial round, giving him a nearly 40% stake. He increased his investment to bring his total stake to 46%, making him Akasa Air’s largest stakeholder. Today, Akasa Air’s fleet has expanded to 27 aircraft and offers services across 28 destinations.
    • Boardrooms & Mentorship : He served on the boards of several companies: places like Aptech, Hungama Digital Media, Praj Industries, Nagarjuna Construction Company, Prime Focus and Geojit Financial Services, etc. Jhunjhunwala wasn’t just an investor; he was a guide to the people trying to establish their businesses.
    • India‑First Growth Vision : He believed that India’s growth story had just begun. Whether it was the aviation sector or technology, he looked at everything as an opportunity. Akasa Air exemplifies this vision as an airline that not only offers top-notch services but also wants to contribute to India’s economic growth.

    Investment Philosophy & Life Lessons

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

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

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

    Read Also: 10 Top Investors In India And Their Portfolios

    Life After Death: Legacy, Family, and Impact 

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

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

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

    Conclusion

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

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    Frequently Ask Questions (FAQs)

    1. What was Rakesh Jhunjhunwala’s net worth at the time of his death?

      His net worth at the time of his death was around ₹46,000 crore.

    2. How did Rakesh Jhunjhunwala start his stock market journey?

      He started with ₹5,000 in 1985, when the Sensex was around 150.

    3. What was Rakesh Jhunjhunwala’s daily income?

      There is no fixed figure as his net worth fluctuates daily due to change in market prices of stocks he holds.

    4. What was his educational background?

      He studied Chartered Accountancy (CA) and graduated from Sydenham College.

    5. Who is managing his investments now?

      His wife Rekha Jhunjhunwala and the RARE Enterprises team are carrying forward his investment legacy.

  • SEBI Action on Jane Street: Impact on Indian Markets

    SEBI Action on Jane Street: Impact on Indian Markets

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

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

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

    Allegation 1: Intra-Day Index Manipulation

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

    Allegation 2: Marking the Close Strategy

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

    What did the SEBI report say?

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

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

    For how long did all this last?

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

    How Jane Street Made the Profits?

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

    Repetitive Pattern :  

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

    Profit from Options : 

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

    SEBI Recovery:

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

    What It Means for Jane Street in India?

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

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

    What This Means for Indian Brokers and Traders? 

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

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

    How does it impact Indian markets?

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

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

    Conclusion 

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

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    4Who Regulates Mutual Funds in India?
    5Bank NIFTY Intraday Options Trading: Steps, Strategies & Tips

    Frequently Asked Questions (FAQs)

    1. Why was Jane Street restricted by SEBI?

      SEBI restricted Jane Street due to their unfair trading practices between 2023 and 2025.

    2. How will this affect Indian traders?

      This will cause increased regulations for algo traders using expiry day strategies.

    3. Is this a permanent ban on Jane Street?

      Not a permanent ban yet as SEBI’s investigation is ongoing.

    4. Will this impact foreign investment in India?

      This event concerning Jane Street is not expected to affect the foreign investment.

    5. Will this affect Indian brokers?

      Yes, the activity of some expiry-day based traders may be impacted due to tighter regulations.

  • Difference Between RuPay and Visa Card

    Difference Between RuPay and Visa Card

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

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

    What is a RuPay Card?

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

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

    Types of RuPay Cards

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

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

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

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

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

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

    Read Also: Rupay Case Study

    What is a Visa Card?

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

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

    Types of Visa Cards

    Banks issue three types of cards on the Visa network:

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

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

    Key Differences Between RuPay and Visa Card

    ParametersRuPay CardVisa Card
    OriginLaunched in 2012 by NPCI, supported by the Government of IndiaFounded by US-based Visa Inc., started in 1958
    Transaction ProcessingAll transactions processed within India, making it faster, cheaper, and more secure.International processing involves currency conversion and cross-border fees, making it more expensive for foreign transactions
    International AcceptanceAccepted in over 185 countries with over 42.4 million POS locations and over 1.90 million ATM locations.Widely accepted in approximately 195 countries globally directly through Visa’s global network
    Fees & ChargesMinimal charges for domestic use; slightly higher for international usageHigher fees for international transactions due to currency conversion and network charges
    Rewards & BenefitsLimited offers; government-issued cards typically don’t offer reward programsAttractive rewards, cashback, travel benefits, and insurance on many cards
    Usage in Government SchemesWidely used in schemes like Jan Dhan, PM-Kisan, e-Shram, and other DBT programsNot used directly in government schemes; popular among private users and international travelers
    Usage ScopeIdeal for domestic payments, subsidies, ATM withdrawals, and local POS transactionsSuitable for both domestic and international payments
    Card Issuance CostLow-cost issuance for banks minimal interchange and network feesExpensive for banks as higher interchange and processing costs

    Read Also: Best Credit Cards in India: Factors and Features Explained

    Which Card is Better – RuPay or Visa?

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

    Where you’re using itWhich card fits best
    Daily expenses like ATM withdrawals or paying at local shopsRuPay
    Receiving money from government schemes like Jan Dhan or PM-KisanRuPay
    Making payments while travelling abroad at ATMs or swipe machinesVisa
    Shopping on international websites or global online platformsVisa
    If you’re looking for extras rewards like travel benefits, insurance, or cashbackVisa
    Want lower charges and faster domestic processingRuPay

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

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

    Pros and Cons of RuPay Card

    Pros :

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

    Cons : 

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

    Pros and Cons of Visa Card

    Pros :

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

    Cons : 

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

    Read Also: Top 10 Best Credit Cards in India

    Conclusion

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

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    5RBI Action On Kotak Mahindra Bank: Should You Invest?

    Frequently Asked Questions (FAQs)

    1. Which is better: Visa or RuPay?

      It depends on whether the transaction is domestic or international.

    2. Can RuPay cards be used internationally?

      Yes, RuPay Global card can be used for international transactions in select countries.

    3. Is a Visa card accepted in India?

      Yes, Visa cards are accepted worldwide including India.

    4. Does RuPay card offer cashback and rewards?

      RuPay cards of select banks offer rewards or cashback, but they are limited.

    5. Are there any charges for using a Visa internationally?

      Yes, additional charges may apply for foreign transactions.

    6. Can I have both Visa and RuPay cards?

      Yes, one person can own both the cards.

  • 10 Best Term Insurance Policies in India 2025

    10 Best Term Insurance Policies in India 2025

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

    What is Term Insurance and Why is it Important?

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

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

    Top 10 Best Term Insurance Plans in India

    S.NoTerm Insurance PlanClaim Ratio (2023–24 Avg.)Max Cover AgeKey Riders Available
    1LIC Tech Term Plan98.5%80 yearsAccidental Death
    2HDFC Life Click 2 Protect Super99.5%85 yearsCritical Illness, Accidental Death
    3Max Life Smart Secure Plus99.5%85 yearsCritical Illness, Accidental Death, Waiver of Premium
    4ICICI Pru iProtect Smart97.9%85 yearsCritical Illness, Accidental Death, Waiver of Premium
    5Tata AIA Sampoorna Raksha Supreme99.0%100 yearsAccidental Death, Critical Illness
    6SBI Life eShield Next97.6%85 yearsCritical Illness, Accidental Death
    7Bajaj Allianz Smart Protect Goal99.1%99 yearsCritical Illness, Waiver of Premium
    8Aditya Birla DigiShield Plan98.7%85 yearsTerminal Illness
    9PNB MetLife Mera Term Plan Plus98.5%99 yearsCritical Illness, Accidental Death
    10Kotak Life e-Term Plan98.6%75 yearsAccidental Death

    Top 10 Best Term Insurance In India: Overview

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

    1. LIC Tech Term Plan

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

    Key Features

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

    Benefits

    • Death Benefit: In case of death during the policy term, the nominee gets a fixed amount
    • Optional Rider: accidental death benefit rider is available
    • Tax Benefits: Exemption under section 80C on premium and 10(10D) on claim amount
    • Digital Journey: The entire process is online fast, easy and paperless
    CriteriaDetails
    Entry Age18 to 65 years
    Maximum CoverageUp to 80 years
    Policy Term10 to 40 years 
    Minimum Sum Assured₹50,00,000
    Premium PaymentYearly only
    Who Can BuyIndian citizens (self-only policy)

    Read Also: LIC Case Study

    2. HDFC Life Click 2 Protect Super

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

    Key features

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

    Benefits

    • Flexible Coverage: Plan can be adjusted as per life stage
    • Critical Illness Rider: Upfront payout in case of critical illnesses
    • Accidental Death Rider: Additional protection in case of death due to accident
    • Waiver of Premium: Waiver of future premium in case of disability.
    • Tax Benefit: Exemption under section 80C and 10(10D)
    CriteriaDetails
    Entry Age18 to 65 years
    Maximum CoverageUp to 100 years
    Policy Term5 to 85 years (Life cover for whole life option)
    Minimum Sum Assured₹50,00,000
    Premium PaymentAnnual, Semi-Annual, Monthly
    Who Can BuyIndian citizens (self-only policy)

    Read Also: HDFC Bank Case Study

    3. Max Life Smart Secure Plus Plan

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

    Key features : 

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

    Benefits : 

    • Along with financial protection, health cover is also available
    • Facility of refund of entire premium in Zero cost option
    • Ideal for long policy term (more than 40 years)
    • Policy can be made stronger by adding multiple riders
    • Tax benefit is available under section 80C and 10(10D)
    CriteriaDetails
    Entry Age18 to 65 years
    Maximum CoverageUp to 85 years
    Policy Term10 to 67 years
    Minimum Sum Assured₹25,00,000
    Premium PaymentYearly, Half-Yearly, Monthly
    Who Can BuyIndian residents only

    4. ICICI Pru iProtect Smart

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

    Key features : 

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

    Benefits : 

    • Protection of both health and life in one plan
    • Critical illness payout is available even if the policy continues
    • All-in-One option covers every major risk
    • Seamless digital journey for medicals and documentation
    • Tax benefits under Section 80C, 80D and 10(10D)
    CriteriaCriteria
    Entry Age18 to 65 years
    Maximum CoverageUp to 99 years
    Policy Term5 to 81 years
    Minimum Sum Assured₹25,00,000
    Premium PaymentYearly, Half-Yearly, Monthly
    Who Can BuyIndian residents only

    Read Also: ICICI Bank Case Study

    5. Tata AIA Sampoorna Raksha Supreme

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

    Features : 

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

    Benefits : 

    • Pure protection along with optional income and return benefit
    • Long-term protection ideal for legacy planning
    • Can add accidental death and terminal illness cover
    • Tata AIA’s strong claim settlement record and digital process
    • Tax exemption under Section 80C and 10(10D)
    CriteriaDetails
    Entry Age18 to 65 years
    Maximum CoverageUp to 100 years
    Policy Term10 to 40 years (Life cover for whole life option)
    Minimum Sum Assured₹50,00,000
    Premium PaymentAnnual, Semi-Annual, Monthly
    Who Can BuyIndian citizens (self-only policy)

    6. SBI Life eShield Next

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

    Key Features :

    • Flexibility with three plan options (Level, Increasing, Future Proofing)
    • Accelerated Terminal Illness Benefit
    • Death Benefit in lump sum or monthly instalments
    • Rider options like Accidental Death Benefit
    • Tax exemption u/s 80C and 10(10D)
    CriteriaDetails
    Entry Age18 years
    Maximum Entry Age65 years
    Policy Term10 to 85 years (max maturity: 85 yr)
    Minimum Sum Assured₹50,00,000
    Premium PaymentRegular / Limited / Single Pay
    Claim PayoutLump sum / Monthly / Hybrid

    Read Also: SBI Case Study

    7. Bajaj Allianz Smart Protect Goal

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

    Key Features : 

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

    Benefits : 

    • All-round plan covering both critical illness and disability
    • Return of premium option for those who want maturity value
    • Ideal for long-term financial planning
    • Add-ons like spouse cover and waiver benefit available
    • Tax saving under sections 80C and 10(10D)
    CriteriaDetails
    Entry Age18 to 60 years
    Maximum CoverageUp to 99 years
    Policy Term10 to 99 years
    Minimum Sum Assured₹50,00,000
    Premium PaymentYearly, Half-Yearly, Monthly
    Who Can BuyIndian residents (Self/spouse option available)

    Read Also: Bajaj Auto Case Study

    8. Aditya Birla Sun Life DigiShield Plan

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

    Key Features:

    • 10+ plan options like Level Cover, Income Benefit, Whole Life Option
    • Critical Illness, Terminal Illness and Accidental Death Riders available
    • Income benefit payouts (options like monthly income)
    • Life stage benefit – As soon as a new phase comes in your life (marriage, childbirth), coverage can be increased
    • Tax benefits as per Section 80C & 10(10D)
    CriteriaDetails
    Entry Age18 years
    Maximum Entry Age65 years
    Policy Term10 to 85 years (or up to age 100)
    Minimum Sum Assured₹25,00,000
    Premium PaymentRegular / Limited / Single Pay
    Claim PayoutLump sum / Monthly / Hybrid

    9. PNB MetLife Mera Term Plan Plus

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

    Key Features:

    • Spouse coverage option in a single policy
    • Options like Return of Premium (ROP) and Increasing Life Cover
    • Accidental Death Benefit, Serious Illness, and Waiver of Premium riders available
    • Claim payout flexibility lump sum, monthly income or combination
    • Tax exemption on premiums (Section 80C & 10(10D))
    CriteriaDetails
    Entry Age18 years
    Maximum Entry Age60 years
    Policy TermFrom 10 to 99 years old
    Minimum Sum Assured₹25,00,000
    Premium PaymentRegular / Limited / Single Pay
    Claim PayoutLump sum / Monthly / Hybrid

    Read Also: Punjab National Bank (PNB) Case Study

    10. Kotak Life e-Term Plan

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

    Key Features:

    • Three cover options: Level, Increasing & Step-down
    • Claim payout flexibility: Lump sum, monthly income or both
    • Optional riders for Critical illness, Accidental Death Benefit and Permanent Disability
    • Lower premium rates if you buy online
    • Tax benefits under Sec 80C and 10(10D)
    CriteriaDetails
    Entry Age18 years
    Maximum Entry Age65 years
    Policy Term5 to 40 years
    Minimum Sum Assured₹25,00,000
    Premium PaymentRegular / Limited / Single Pay
    Claim PayoutLump sum / Monthly / Hybrid

    Read Also: Kotak Mahindra Bank: Business Model and SWOT Analysis

    Conclusion

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

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    Frequently Asked Questions (FAQs)

    1. Which is the best term insurance plan in India 2025?

      It may vary from individual to individual, but LIC Tech Term, HDFC Click 2 Protect Super and ICICI iProtect Smart are the most popular and trusted options in 2025.

    2. What is the ideal age to buy a term insurance plan?

      The age of 20 to 35 is considered most appropriate because the premium is low and long-term cover is available.

    3. Can I get my premium back if I survive the policy term?

      Yes, if you have taken a plan with Return of Premium (TROP), then you get the premium back on maturity.

    4. Are medical tests necessary for buying term insurance?

      Yes in most cases, but in some low-cover or instant policies insurance can be obtained even without medical insurance

    5. Can I increase my sum assured later?

      Some plans have life-stage benefits through which you can increase the cover on occasions like marriage, birth of a child etc.

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