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Best ETF Platforms for Trading and Investment in India 2026

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

What is an ETF Platform?

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

The role of an ETF broker

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

Difference between ETFs and Mutual Funds

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

Best ETF Platforms for Trading & Investment

Pocketful
Zerodha
Groww
Upstox
Angel One
ICICI Direct
HDFC Securities
Kotak Securities
Sharekhan
5paisa

1. Pocketful

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

Pocketful’s charges and brokerage

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

2. Zerodha

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

Zerodha’s charges and brokerage

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

3. Upstox

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

Upstox’s charges and brokerage

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

4. Angel One

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

Angel One’s charges and brokerage

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

5. ICICI Direct

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

ICICI Direct’s charges and brokerage

Charge name	Fees in ICICI Direct
Account opening charge	₹0 (Free)
AMC / Maintenance Charge	₹300-₹700 varies on plans
Equity delivery brokerage	0.07%-0.29% varies on plans
Intraday / Trade Brokerage	0.007%-0.029% varies on plans

6. HDFC Securities

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

HDFC Securities’s charges and brokerage

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

7. Kotak Securities

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

Kotak Securities’s charges and brokerage

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

8. 5paisa

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

5paisa’s charges and brokerage

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

9. Rupeezy

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

Rupeezy’s charges and brokerage

Charge name	Fees in Rupeezy
Account opening charge	₹0 (Free)
AMC / Maintenance Charge	₹0 (Free)
Equity delivery brokerage	0.1% buy & sell
Intraday / Trade Brokerage	₹20 or 0.1% (lower)

10. Paytm Money

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

Paytm Money’s charges and brokerage

Charge name	Fees in Paytm Money
Account opening charge	₹0 (Free)
AMC / Maintenance Charge	₹0 (Free)
Equity delivery brokerage	2.5% of turnover or up to Rs. 20/- per Executed Order, whichever is lower
Intraday	0.05% of turnover or up to Rs. 20/- per Executed Order, whichever is lower

Key Factors to Consider Before Selecting an ETF Platform

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

Conclusion

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

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Frequently Asked Questions (FAQs)

Which is the best ETF trading platform in India?
Currently, Pocketful, Groww, and Upstox are considered the most popular ETF platforms.
Can beginners invest in ETFs?
Yes, absolutely. ETFs are an easy and safe option for new investors because they are already diversified.
Is there any risk in ETF investment?
Yes, there is a risk because ETFs are linked to the market, but they are more transparent compared to mutual funds.
Which is the best platform for Gold ETFs?
Pocketful, Groww, and Paytm Money are considered good options for buying Gold ETFs.
Do I need a demat account to buy ETFs?
Yes, a demat account is necessary to buy ETFs.

January 20, 2026

Best Mid-Cap Mutual Funds in India

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

What are Mid-Cap Mutual Funds

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

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

How to Choose the Best Mid-Cap Mutual Fund

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

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

List of Best Mid-Cap Mutual Funds in India

S. No	Funds	Current NAV	Fund Size (INR Crores)	Expense Ratio	Exit Load (Period)
1	ICICI Prudential Midcap Fund	319.79	7050	1.85%	1.00% (1 year)
2	Mirae Asset Midcap Fund	38.44	18350	1.65%	1.00% (1 year)
3	HDFC Mid Cap Fund	205.47	92200	1.36%	1.00% (1 year)
4	Tata Mid Cap Fund	457.33	5450	1.84%	0.50% (30 days)
5	Invesco India Mid Cap Fund	184.52	10300	1.72%	1.00% (1 year)
6	WhiteOak Capital Mid Cap Fund	20.35	4450	1.85%	1.00% (30 days)
7	Canara Robeco Mid Cap Fund	17.53	4050	1.87%	1.00% (1 year)
8	ITI Mid Cap Fund	22.47	1300	2.05%	0.50% (90 days)
9	Nippon India Growth Mid Cap Fund	4,296.43	42100	1.53%	1.00% (30 days)
10	Aditya Birla Sun Life Mid Cap Fund	813.92	6250	1.87%	1.00% (90 days)

(As of 7th Jan 2026)

Overview of Best Mid-Cap Mutual Funds

1. ICICI Prudential Midcap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
13.79%	82.61%	157.35%	90	Nifty Midcap 150 TRI

2. Mirae Asset Midcap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
11.40%	72.12%	148.80%	72	Nifty Midcap 100 TRI

3. HDFC Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
9.85%	95.41%	193.19%	78	Nifty Midcap 150 TRI

4. Tata Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
8.23%	81.05%	141.09%	69	Nifty Midcap 150 TRI

5. Invesco India Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
8.23%	101.23%	171.52%	51	BSE 150 Midcap TRI

6. WhiteOak Capital Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
8.06%	96.39%	–	146	BSE 150 Midcap TRI

7. Canara Robeco Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
6.98%	73.93%	–	62	BSE 150 MidCap TRI 100

8. ITI Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
6.83%	89.28%	–	85	Nifty Midcap 150 TRI

9. Nippon India Growth Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
7.51%	93.98%	179.98%	100	Nifty Midcap 150 TRI

10. Aditya Birla Sun Life Mid Cap Fund

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

1-Year Return	3-Year Return	5-Year Return	No. of Stocks	Benchmark
6.72%	75.67%	135.23%	81	Nifty Midcap 150 TRI

Conclusion

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

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Frequently Asked Questions (FAQs)

Are mid-cap mutual funds risky?
They carry more risk than large-cap funds but are generally less volatile than small-cap funds, especially when held for the long term.
What is the ideal investment horizon for mid-cap funds?
A minimum investment horizon of 7-8 years is recommended to ride out market volatility.
Can beginners invest in mid-cap mutual funds?
Beginners can invest, but it is suggested to start with SIPs and limit the exposure they are comfortable with.
How many mid-cap funds one should hold?
Usually, one or two well-chosen mid-cap funds are enough for diversification.
Is a lump-sum investment suitable for mid-cap funds?
Lump-sum investments can be effective if you have a long investment horizon, but staggered investing is generally considered safer.

January 20, 2026

List of Best Index ETFs in India

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

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

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

Overview of Index ETFs in India

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

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

Returns Comparison of Best Index ETFs in India

Fund Name	1 Year Return	3 Year Return	5 Year Return
Nippon India ETF Nifty 50	11.52%	44.26%	88.62%
SBI Nifty 50 ETF	10.18%	48.25%	82.81%
ICICI Prudential Nifty 50 ETF	11.10%	48.29%	87.86%
HDFC Nifty 50 ETF	11.17	41.85% (since inception)	–
UTI Nifty 50 ETF	11.96%	49.04%	83.54%
Nippon India ETF Nifty Midcap 150	5.19%	85.46%	164.24%
Mirae Asset Nifty Midcap 150 ETF	8.26%	50.20% (since inception)	–
HDFC Nifty Smallcap 250 ETF	-4.49%	75.98% (since inception)	–
Nippon India ETF Nifty 100	10.77%	46.33%	85.69%
LIC Nifty 50 ETF	11.41%	48.93%	86.66%

(as on 12th January 2026)

Best Index ETFs in India

1. Nippon India ETF Nifty 50

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

2. SBI Nifty 50 ETF

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

3. ICICI Prudential Nifty 50 ETF

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

4. HDFC Nifty 50 ETF

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

5. UTI Nifty 50 ETF

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

6. Nippon India ETF Nifty Midcap 150

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

7. Mirae Asset Nifty Midcap 150 ETF

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

8. HDFC Nifty Smallcap 250 ETF

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

9. Nippon India ETF Nifty 100

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

10. LIC Nifty 50 ETF

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

Key Indicators of Best Index ETFs in India (KPI)

Fund Name	Current Market Price(INR)	Market Capitalization (in INR Cr.)	52 Week High (INR)	52 Week Low (INR)
Nippon India ETF Nifty 50	291.15	55,784	302.25	231.30
SBI Nifty 50 ETF	274.87	2,18,200	287.33	227.33
ICICI Prudential Nifty 50 ETF	289.52	37,425	328.24	234.97
HDFC Nifty 50 ETF	287.83	5,150	301.88	240.55
UTI Nifty 50 ETF	283.18	70,245	297.48	235
Nippon India ETF Nifty Midcap 150	226.95	2,812	239.29	179
Mirae Asset Nifty Midcap 150 ETF	22.20	1,366	23.61	16
HDFC Nifty Smallcap 250 ETF	162.10	1,591	183.18	135.21
Nippon India ETF Nifty 100	277.81	327	290	230.35
LIC Nifty 50 ETF	285.99	918	295	239.65

(as on 12th January 2026)

Read Also: Best Index Funds in India

Advantages of Investing in Index ETFs

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

Factors Affecting the Indian Stock Market in 2026

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

Things to Consider Before Buying Index ETF in India

Measuring the Deviation : This shows how accurately a fund tracks the index. A 10% rise in the Index means a rise of 10% in the ETF too. An ETF may rise by 9.95%, so the difference is referred to as ‘Tracking Error’. You must aim at a fund with a near zero tracking error.
Liquidity & Trading Volume : This is the most critical aspect. You need an ETF where thousands of people trade every day. If there are fewer people exchanging it, then it may happen that when you want to sell, there is no one to buy it or have to forcefully sell it at lower prices. Always select an ETF with high volume.

Asset Under Management (AUM) : Assets under Management is the amount of money that the fund has invested. This means that the more the fund is worth, the more it is likely trusted and stable. This is because it is able to accommodate more individuals.
Expense Ratio Comparison : It is the cost you have to pay. It is essential to look out for the lowest expense ratio at all times. It ensures that you benefit with higher returns.

Read Also: Top Smart Beta ETFs in India

How to Invest in Index ETFs in India

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

Conclusion

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

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

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Frequently Asked Questions (FAQs)

What is the minimum amount I need to start?
You can start with the price of just one unit, for Nifty BeES, that is around 290. You do not need thousands of rupees to begin your journey.
Can I do an SIP in ETFs?
Yes. Most brokers allow a “Stock SIP” or “ETF SIP”. You simply select a date and amount, and the broker will automatically buy the units for you every month.
Are ETFs safe?
They carry “market risk”, if the stock market falls, your ETF value will fall. However, they are much safer than buying individual stocks because your risk is spread across 50 or 100 companies.
When should I sell my ETFs?
Sell only when you need the money for a specific goal (like buying a house or retirement). Do not sell just because the market fell 5% yesterday. Market drops are usually the best time to buy more!
How are my profits taxed?
For Indian Equity ETFs, such as Nifty 50, if you sell within 1 year, you pay 20% tax on the profits. If you sell after 1 year, you pay 12.5% tax on the profits. The good thing is that profits up to 1.25 Lakhs in a year are tax-free.

January 19, 2026

Best Children’s Mutual Funds in India 2026

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

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

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

The Need for Growth

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

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

What are Children’s Mutual Funds?

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

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

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

Top Mutual Funds Plan for Children

1. SBI Children’s Fund- Investment Plan

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

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

2. ICICI Prudential Child Care Fund (Gift Plan)

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

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

3. HDFC Children’s Gift Fund

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

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

4. Tata Young Citizens Fund

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

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

5. SBI Children’s Fund – Savings Plan

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

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

6. Aditya Birla Sun Life Bal Bhavishya Yojna

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

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

7. LIC MF Children’s Fund

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

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

8. UTI Children’s Equity Fund

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

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

Overview of Best Mutual Funds Plan for Children

Fund Name	Category	AUM (Rs.Cr)	Expense Ratio	No. of Stocks	Benchmark
SBI Children’s Fund- Investment Plan	Aggressive Hybrid	5,053	1.83%	38	CRISIL Hybrid 35+65 Aggressive Index
ICICI Prudential Child Care Fund (Gift Plan)	Aggressive Hybrid	1,424	2.17%	91	NIFTY 50 Hybrid Composite Debt 65:35 Index
HDFC Children’s Gift Fund	Aggressive Hybrid	10,632	1.74%	44	NIFTY 50 Hybrid Composite Debt 65:35 Index
Tata Young Citizens Fund	Flexi Cap/Solution	367	2.59%	51	NIFTY 500 TRI
SBI Children’s Fund – Savings Plan	Conservative Hybrid	3,225	1.24%	35	NIFTY 50 Hybrid Composite Debt 15:85 Index
Aditya Birla Sun Life Bal Bhavishya Yojna	Flexi Cap/Solution	1,203	2.15%	72	NIFTY 500 TRI
LIC MF Children’s Fund	Flexi Cap/Solution	16	2.45%	64	CRISIL Hybrid 35+65 Aggressive Index
UTI Children’s Equity Fund	Flexi Cap/Solution	1,180	2.22%	61	NIFTY 500 TRI

Read Also: Best Investment Options in India

Key Features of Mutual Funds for Children

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

Aggressive and Conservative Plans

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

Advantages of Children’s Mutual Fund Plans

Replacing Your Future Self With Your Bigger Present Self

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

Lock-in Induced Discipline

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

Education at High-Rate

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

Tax Benefits

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

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

Assessing Time Horizon

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

Risk

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

Minimizing Costs

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

Regulatory and Tax Implications

Opening the Account

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

Clubbing of Income

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

Child Turning 18 (Minor to Major)

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

Conclusion

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

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

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Frequently Asked Questions (FAQs)

Can the invested amount be withdrawn before the lock in period is over?
No, the lock-in period is a mandatory factor in these funds. You cannot withdraw the money before the lock in period or until the child turns 18.
Who pays the tax on the gains?
As long as the child is a minor the parent (guardian) pays the tax on the gains. The income is clubbed with the parent who earns more. Once the child turns 18 they become responsible for the tax on any future gains.
What documents are required before opening the minor account?
A child’s birth certificate or passport is the primary document that is required as this is the age proof, also PAN card and Aadhar card of the parents or guardian is required.
Can I invest the money on my name or is it mandatory to do the investment on a child’s name?
You can invest in either of them as it is totally your choice and there is no tax benefit if you do it on a child’s name due to the clubbing provision.
What happens if I die?
If the guardian passes away a new guardian (usually the other parent or a court-appointed legal guardian) must be registered with the fund house.

January 19, 2026

Best Packaging Stocks in India 2026

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

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

What are packaging stocks?

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

Top Packaging Stocks in India

EPL Limited
AGI Greenpac Limited
Uflex Limited
Balmer Lawrie & Company Limited
TCPL Packaging Limited
Polyplex Corporation Limited
Huhtamaki India Limited

Company	Current Market Price (INR)	Market Capitalisation (in INR crore)	52-Week High	52-Week Low
EPL Limited	211	6768	267	175
AGI Greenpac Limited	740	4791	1089	599
Uflex Limited	488	3520	686	438
Balmer Lawrie & Company Limited	184	3144	238	147
TCPL Packaging Limited	2991	2735	4910	2864
Polyplex Corporation Limited	843	2650	1411	774
Huhtamaki India Limited	207	1558	273	170

(Data as of 6th Jan 2026)

Overview of Best Packaging Stock in India

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

1. EPL Limited

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

2. AGI Greenpac Limited

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

3. Uflex Limited

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

4. Balmer Lawrie & Company Limited

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

5. TCPL Packaging Limited

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

6. Polyplex Corporation Limited

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

7. Huhtamaki India Limited

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

Read Also: Best Paper Stocks in India

Key Performance Indicators (KPIs)

Company	ROE (%)	ROCE (%)	Operating Profit Margin (%)	Net Profit Margin (%)
EPL Limited	15.24	18.80	12.74	8.58
AGI Greenpac Limited	15.37	18.58	20.22	12.75
Uflex Limited	1.92	8.78	7.57	1.04
Balmer Lawrie & Company Limited	13.50	12.90	12.01	7.74
TCPL Packaging Limited	22.21	23.01	13.10	8.07
Polyplex Corporation Limited	5.55	7.34	7.13	5.19
Huhtamaki India Limited	7.37	7.61	4.10	3.48

(Data as of 31st March 2025)

Benefits of Investing in Packaging Stocks

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

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

Factors to Consider before Investing in Packaging Stocks

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

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

Future of Packaging Stocks

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

Read Also: Best Plastic Stocks in India

Conclusion

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

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Frequently Asked Questions (FAQs)

Name packaging companies in India?
The packaging companies in India include EPL Limited, Uflex Limited, AGI Greenpac Limited, etc.
What are the factors to be considered before investing in packaging stocks?
The key factors which an investor is required to consider before investing in packaging stocks include regulatory risk, client concentration, etc.
Is it a good time to invest in packaging stocks?
Yes, it is a good time to invest in packaging stocks because the demand for everyday consumption products is increasing, along with the growth of e-commerce, etc.
How can I invest in packaging companies?
To invest in packaging companies, one is required to have a demat and trading account. Pocketful offers you an opportunity to open a lifetime free trading and demat account with Pocketful, and it also offers free brokerage on delivery trading, along with advanced trading tools.

January 18, 2026

Best Short-Term Investments in 2026

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

What Is Considered a Short-Term Investment?

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

Best Short-Term Investments

High-Yield Savings Accounts
Money Market Accounts
Treasury Bills (T-Bills)
Short-Term Bond Funds
Liquid Funds
Ultra Short Duration Debt Funds
Fixed Deposits (Short Tenure) / CDs
Corporate Debt & Commercial Paper Funds
Arbitrage Funds / Low Volatility Strategies
Peer-to-Peer (P2P) Lending Platforms

Overview of Best Short-Term Investments in India

1. High-Yield Savings Accounts

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

Aspect	Description
Reward	Stable and secure interest
Risk	Very little
Limitation	Limited returns
Right for whom?	Emergency fund, idle cash

2. Money Market Account / Cash Management Account

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

Aspect	Description
Reward	Better returns than a savings account.
Risk	Very little
Limitation	There may be withdrawal or balance limits.
Right for whom?	Short-term cash parking, active investors

3. Treasury Bills (T-Bills)

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

Aspect	Description
Reward	Safe and guaranteed returns
Risk	Very little
Limitation	Limited returns
Right for whom?	Capital protection, short-term goals

4.Short-Term Bond Funds

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

Aspect	Description
Reward	The potential for better returns than savings.
Risk	low to medium
Limitation	The NAV may fluctuate slightly due to market conditions.
Right for whom?	1-2 year short-term goals

5. Liquid Funds

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

Aspect	Description
Reward	Stable and predictable returns
Risk	Less
Limitation	High returns are unlikely.
Right for whom?	Short-term needs of 3-6 months

6. Ultra Short Duration Debt Funds

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

Aspect	Description
Reward	Better returns than liquid funds.
Risk	low to medium
Limitation	NAV shows slight fluctuation.
Right for whom?	6-12 month investment horizon

7. Short-Term Fixed Deposits (FDs)

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

Aspect	Description
Reward	Fixed and secure interest
Risk	Very little
Limitation	Penalty on premature withdrawal
Right for whom?	Risk-averse investors, fixed goals

8. Corporate Debt / Commercial Paper Funds

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

Aspect	Description
Reward	Better returns than government options
Risk	medium
Limitation	Credit risk exists.
Right for whom?	Investors who take moderate risk

9. Arbitrage Funds / Low Volatility Strategies

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

Aspect	Description
Reward	Stable and tax-efficient return
Risk	Less
Limitation	Returns depend on market opportunities.
Right for whom?	Conservative investors, short-term parking

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

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

Aspect	Description
Reward	Relatively high returns
Risk	Medium to high
Limitation	Default and liquidity risk
Right for whom?	Experienced investors, limited allocation

Read Also: Best Investment Options in India

Key Factors to Evaluate Before Choosing Short-Term Investment Options

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

Common Mistakes to Avoid in Short-Term Investments

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

Conclusion

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

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Frequently Asked Questions (FAQs)

What are short-term investments?
These are investments where money is invested for a short period and can be withdrawn quickly when needed.
Which are the safest short-term investments in 2026?
High-yield savings accounts, short-term FDs, and Treasury Bills are considered among the safest.
Do short-term investments give high returns?
Generally, no, but they are better and safer than regular savings accounts.
Are short-term investments risky?
The options that are considered safe have low risk; the risk increases with different investment options.
How much money should be kept in short-term investments?
It’s best to keep at least enough money to cover 3-6 months of expenses.

January 18, 2026

Natural Gas Price Predictions for Next 5 Years in India

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

Natural Gas Price Trend in India: Last 5 Years

Year	Price Range (₹)	Market Trend
2021	182 – 485	Recovery phase, improvement in demand
2022	277 – 801	Rapid rebound from the global crisis
2023	372 – 376	Market stability
2024	210 – 355	Prices are softening.
2025	305 – 494	Increased demand leads to strength.

Natural Gas Price Predictions Next 5 Years

Year	Expected Price Range (₹)	Key Reason
2026	₹340 – ₹420	Global supply tightness continues, demand remains strong; LNG imports in India are likely to remain expensive.
2027	₹350 – ₹440	India’s gas consumption is increasing, driven by infrastructure expansion and government policy support.
2028	₹360 – ₹460	Increased LNG capacity will help with supply, but demand pressure will remain.
2029	₹370 – ₹480	Long-term demand growth and import dependency could push prices higher.
2030	₹380 – ₹500	India’s gas consumption could increase by approximately 60% by 2030, providing long-term price support.

How These Price Trends Impact India

Impact on CNG and PNG Prices : When natural gas becomes more expensive, it directly impacts the prices of CNG and PNG. Since a large portion of the gas supplied to cities comes from imported LNG, an increase in international market prices can lead to higher rates for transportation and domestic gas. This affects the monthly expenses of ordinary consumers.
Impact on Power Generation and Industry : Power plants and industries such as fertilizers, steel, and chemicals are heavily reliant on natural gas. Rising prices increase production costs, which can lead to higher electricity prices and reduced profits for companies.
Cost Pressure on Businesses and Households : High gas prices can make transportation, electricity, and everyday necessities more expensive. This impacts both the budgets of ordinary families and the operating costs of small businesses.

Current Natural Gas Price Scenario (2026)

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

What Investors and Businesses Should Watch

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

How to Invest in Natural Gas

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

Risk of Investing in Natural Gas

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

Conclusion

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

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Frequently Asked Questions (FAQs)

What are the natural gas price predictions for the next 5 years in India?
Prices over the next 5 years may fluctuate depending on the global market and India’s growing demand.
Will natural gas prices go up in the future?
Yes, a gradual increase is possible, but there may also be intermittent declines.
What mainly affects natural gas prices?
LNG imports, supply and demand, weather, and international news have the biggest impact.
Is investing in natural gas safe?
It’s a risky market, so investing without understanding it is not advisable.
How should beginners invest in natural gas?
Start with a small amount and understand the market first before investing.

January 17, 2026

What Is Common Stocks?

Common Stocks refers to a kind of security that signifies a proportion of ownership of a corporation. When you purchase common stocks of Reliance, TCS, or HDFC Bank, you’re not actually placing a bet on an intangible figure rising rather you’re buying a portion of that business.

But you must be thinking about what you can get from these common stocks. You’re getting a share of the profits, and a say in how the firm will shape up in the future. This is the main driver of wealth creation in India.

This blog will break down exactly how a common stock offering (IPO) works to give life to these shares and the distinction between common stock and preferred stock, and how you can incorporate them into your portfolio.

What Is Common Stock?

Common stock, on the other hand, is equity. It is a common form of ownership in a corporation, meaning they are stocks that give equity to the investors in the company. Here the investor owns a stake by buying the company’s share. As opposed to being a loan, where you get interest, you own a stake. Instead of a loan, where you have an agreement stating “we will pay you back,” you have an agreement stating “we will give you a share of what we build.”

Dividends: If the company makes a massive profit, the Board of Directors might decide to share that cash with you. This is your reward for trusting them.

Capital Gains: If the company grows, the value of your slice grows. This is where the real wealth is made, when the stock price jumps from Rs.100 to Rs.500 over a few years.

Common Stock Offering

Common stock offering, commonly known as Initial Public Offering or IPO, where a company lists for the very first time on the stock exchange to raise funds from the public. Thereafter, the stock begins to exist in the secondary market, where you are free to trade with that stock.

Key Features of Common Stock

Ownership & Voting Rights

In India according to section 47 of the Companies Act, you have the legal right to vote on major matters through your equity share. We get to vote on whether the Board of Directors consists of the right people or whether the company should merge with its rival. With the help of e-voting, voting on these major matters using your smartphone becomes easy and convenient.

Dividends

Dividends on common stock are not guaranteed. The company’s board decides every year if they want to pay you or put that money back into building a new factory. Dividends can disappear overnight, if profits dips.

Capital Appreciation Potential

This is the most beneficial aspect and the reason why we invest. If you lend money to a bank (FD), the return is capped (say 7%). But if you own common stocks, there is no cap. Suppose they discover something revolutionary and their growth multiplies 100 times, the return multiplies 100 times.

Residual Claim on Assets

As a common shareholder, you are placed absolutely last in line because you only receive the remains of profits after everyone else has been paid off. Unfortunately, this means that after the government (taxes and dues), banks (lender/borrowers), and preferred shareholders (preference investors) have been settled, the remaining amount is for the common shareholders.

What Is Preferred Stock?

Fixed Dividends

The preferred stock generally has a fixed dividend rate (for instance, 9% a year). This doesn’t matter if the company makes a rupees one billion profit or breaks even; they have to pay you this dividend prior to paying even a rupees one penny to common stock holders.

No Voting Rights

The preferred stockholders are often silent partners. They look forward to fixed returns and do not interfere in the management of the company. There is, however, a safety valve. If the company fails to pay their dividends for two years or more, the preferred stockholders surprisingly obtain the voting rights regarding all resolutions.

Liquidation Priority

If liquidation occurs, preferred stockholders reclaim their life capital prior to common stockholders. This gives preferred stock a lower risk profile compared with common stock, but higher than that for a deposit in a bank.

Common Stock vs. Preferred Stock

Feature	Common Stock	Preferred Stock
Goal	You want your money to multiply over time, looking for growth.	You want a steady paycheck (dividend), meaning you get regular payments.
Voting	You are an active owner with a say in the business.	You are a passive investor, so you don’t have voting rights.
Risk	You are the last to get paid in a crisis, which means it has risk.	You have priority over common shareholders, giving you moderate risk.
Returns	Can be massive or zero.	Returns are Fixed, as you are capped at a specific percentage.
Liquidity	You can buy/sell instantly on apps, as these are highly traded.	Hard to find buyers/sellers in the Indian market.

Advantages of Common Stocks

Beating Inflation: Common stocks are the best asset class to beat inflation over the long term. A fixed deposit might barely keep up with rising prices, but a good business can grow much faster.
Liquidity: Money in real estate is “stuck” for months. Money in common stocks is available in T+1 days. You can sell your shares on an app like Pocketful and have the cash in your bank account almost immediately.
Limited Liability: Even if the company you invested in goes bankrupt with massive debts, creditors cannot come after your personal assets. You can only lose the amount you invested, nothing more.

Disadvantages of Common Stocks

Volatility: Prices fluctuate wildly, a 20% drop in a month is normal. If you need the money next month, do not put it in common stocks. You need a strong stomach to ride out the waves.
Uncertainty: There is no guaranteed income. You cannot plan your monthly household expenses based on common stock dividends, because the company might decide to cut them to zero.
Capital Risk: In a worst-case scenario, the value of your investment can go to zero. There is no safety net or insurance for poor stock performance.

What’s Happening in 2026?

Foreign Institutional Investors (FIIs) have not stopped selling stocks in the Indian market. In fact, they have been selling assets to the tune of nearly Rs.152 crores every trading hour. It would have ruined our market once upon a time. But in 2025, the retail investor in the Indian market was like a wall in front of this tsunami. The SIP inflows have remained above a massive figure of Rs.29,000 crores every month.

The normalization of interest rates, adhering to a monetary policy, brought a boost in growth, which is now expected to reach a level of 6.5%. Although this is a positive development, it is likely that a change in trend is imminent. As a result of rate cuts initiated by the RBI in 2025, aiming to reach a level of 5.25% by the end of the year, the cost of doing business will decrease.

How to Invest in Common Stock With Pocketful

Instant KYC: No more couriering paper forms. You can open an account with Pocketful in a few minutes using just your Aadhaar and PAN.
Zero Brokerage on Delivery: If you buy shares to hold (delivery), you pay Rs.0 brokerage. This is massive for long-term investors, as fees can eat into your profits over time.
Pockets: It is a carefully curated basket of stocks, designed around themes such as ‘Electric Vehicles’ or ‘Top IT Stocks‘. The advantage is that you get to invest in the entire thematic basket in one click.

Direct Purchase vs. Mutual Funds

Direct Purchase: You invest in shares of particular companies like Reliance. You should do your own analysis about the particular company.
Mutual Funds: A fund manager will charge you to manage your investment. It is safer but with a little higher cost. You can use Pocketful App to invest in both shares and mutual funds.

How to Invest in Preferred Stock

The Alternatives

Corporate Bonds / NCDs: They offer fixed interest and are easier to trade on the market.
Debt Mutual Funds: These funds invest in various safe, interest-paying options, giving you expert help and better trading than buying individual preferred shares.

Conclusion

The best way to make money, and owning stock is like getting on board. It lets you team up with the brightest business minds. You don’t need to create the next big thing, just be wise enough to buy a piece of it, though there are risks and the market will fluctuate. But as we’re seeing in 2026, the Indian market is growing up. Local investors aren’t just watching anymore, rather they’re leading the way.

Whether you’re starting small or going big, the rules are the same, you should know what you’re buying, think about the future, and get the right resources. Platforms like Pocketful are making it simpler and cheaper than before to get started.

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Frequently Asked Questions (FAQs)

What is the main difference between common stock and preferred stock?
Common stock is for growth (voting rights, variable profit). Preferred stock is for income (fixed dividends, no voting rights, priority payment).
Can I lose all my money in common stocks?
Yes. If a company goes bankrupt, common shareholders are the last to get paid. If the company has no assets left after paying debts, your share value becomes zero. Diversification (buying multiple stocks) is your safety net.
Do I have to pay a monthly fee to keep a Demat account?
It depends on the broker. Apps like Pocketful give Zero Annual Maintenance Charges (AMC) for the first year, and hence the maintenance of your accounts is free.
What is a “Pocket” in the Pocketful app?
This is a pre-made basket of stocks. You don’t have to research different companies for a strategy, but simply invest into a “Pocket” portfolio, which will include them all for you.
How do I get dividends?
If you own common stock and the company declares a dividend, the money is directly credited to your primary bank account linked to your Demat account, nothing else is needed.

January 17, 2026

Best Low-Risk Stocks in India 2026

The stock market presents different paths through which one can make money. These paths range from highly volatile trading avenues to long-term investment options. Although highly volatile stock prices tend to lure people into speculation, making money through such activities is not always successful. One can easily find low-risk stocks in the large-cap market. Such stocks help people preserve their money and enable them to make steady profits. These corporations deal in commodities that are in high demand all the time.

In this Blog, we’ll focus on the most stable stocks in the Indian market, and the criteria we’ll follow will be based on stocks that possess a sound business model and a healthy financial position.

Overview of Low Risk Stock in India

Low-risk stocks, which are also known as defensive stocks, are stocks of companies which provide a steady return on stocks, as well as a stable market price for stocks, no matter what condition the market is in. They differ from ‘high-flyers’ growth stocks because, while growth stocks could soar to heights one day and plummet the next, low-risk stocks come from established and financially solid companies which supply services or goods that people need even when the economy is down.

List of Best Low-Risk Stocks in 2026

Company Name	Stock Price Rs.	Market Cap Rs.Cr.	ROE(%)	ROCE(%)	Dividend Yield (%)
Hindustan Unilever Ltd (HUL)	2.293	5,38,784	21.26	29.29	2.30
Tata Consultancy Services (TCS)	3,310	12,02,887	46.46	56.04	3.79
ITC Ltd	402	5,10,743	28.87	37.91	3.52
HDFC Bank	1,001	15,32,919	14.40	13.11	1.10
Asian Paints	2,805	2,69,323	19.29	26.91	0.89
Coal India	403	2,48,943	38.83	48.57	6.54
Infosys	1,606	6,51,243	28.8	37.5	2.68
Reliance Industries Ltd.	1,578	21,35,358	8.40	9.69	0.35
Larsen & Turbo	4,150	5,70,990	16.6	14.5	0.82
Kotak Mahindra Bank	2,191	4,35,792	15.4	8.17	0.11

(Data as of 5 Jan, 2026)

Read Also: Most Undervalued Stocks in India

Overview of Top 10 Best Low-Risk Stocks in 2026

1. Hindustan Unilever Ltd (HUL)

Hindustan Unilever Ltd, or HUL, is the benchmark for many as it is the largest FMCG company in India and is represented in most households in the country. The strengths of its business operations are its unparallelled distribution network that touches so many retail outlets with its products, including even the remotest of rural areas. The company financially is almost debt-free and has high return on investment ratios and return on equity ratios. As of end-2025, its dividend yield stands at approximately 1.9%-2.3%. The company’s stability is also proved by its low beta of about 0.43.

2. Tata Consultancy Services (TCS)

Tata Consultancy Services (TCS) is the cash-rich giant in the Indian IT services sector and the largest company globally. The company’s strength lies in its close and enduring ties with Fortune 500 companies across the globe. TCS is debt-free with an Interest Coverage Ratio of over 70 times and has been distributing excess profits in the form of buybacks and dividend yields of approximately 3.8%. The stock’s beta level remains low at around 0.40.

4. ITC Ltd

ITC Ltd. is essentially a diversified cash flow giant, acting as a conglomerate with a leading market in cigarettes and an emerging market in FMCG, hotels, and agri-business. The diversified business strengths of its cigarettes business segment result in a huge free cash flow that sustains the fast-growing other FMCG brands. The company also sports a strong balance sheet with no debt and a mind-boggling Interest Coverage Ratio of over 400 times.

5. HDFC Bank

HDFC Bank has emerged as the toughest rival in private banking, being the largest private sector bank in India, famous for having a robust balance sheet. After the acquisition of HDFC Ltd, the strength of the business lies in the large customer base and large share of low-cost deposits, also known as CASA. On the financial front, the company’s capital adequacy and Non-Performing Assets (NPAs) ratio keeps on remaining at a comfortable level compared to others in the industry. Despite the cyclic nature of the industry, HDFC Bank turns out to be the safest bet in terms of financial stability.

6. Asian Paints

In the Indian paint market, Asian Paints sustains its un-contested market position in the decorations business. The group leverages an enterprise strength that rivals are unable to measure up to easily, due to its extremely efficient supply chain and dealership network. It has a debt equity ratio of approximately 0.04, as it operates on an extremely conservative debt level. Although this company usually commands a high stock price, the periodic nature of the house painting business ensures a flow of revenues.

7. Coal India

Coal India company being the largest producer of coal in the international market, it ranks as the best high-dividend investment for a PSU. Since it is a close monopoly regarding coal production in the Indian market, which is a crucial part of the country’s electricity production, is the key to its commercial viability. It is a well-recognized company, famous for its high dividend yields, which usually vary from 6% to 7% per annum, which is quite impressive, along with its less debt capital structure.

8. Infosys

Infosys is a debt free technological power house which acts as a cash generating machine for the investors. It is a global leader which provides next generation digital services, having a very high liquidity allowing investors to buy or sell anytime. Huge funds allow Infosys to withstand any economic storm that arises and the investors are confident that continuous wealth can be generated from Infosys through buybacks and dividends. This low risk tag is possible due to the long term contracts signed with the world’s largest Fortune 500 companies.

9. Reliance Industries Ltd.

Reliance Industries can be seen as a diversified economic system which dominates India’s energy, retail and telecom sectors. The main stream of income comes from Oil-to-Chemical (O2C) business acting as a fuel for the continuous income. Reliance has a goal of becoming net-debt free and has a good command over market share in digital and physical goods and services. Investors get stability and reliability on future growth prospects of this tech giant.

9. Larsen & Turbo (L&T)

L&T is one of the biggest companies that has its hands in India’s growing infrastructure with multiple contracts signed for the coming future years revenue. It has gained the monopoly in complex engineering projects making it challenging for other companies of this sector to compete. L&T has a diversified presence in construction, defense, and even IT services.

10. Kotak Mahindra Bank

Kotak is a major brand name in the Indian banking sector having its core focus on risk management and customer protection rather than just focusing on reckless growth. It has the highest capital adequacy ratio in the market which is even above the market regulatory requirements, acting as a safety buffer during the worsening market scenarios. The brand has a clean loan book and a very low non performing assets making it a reliable choice for the investors.

Key Performance Indicators (KPIs)

Name	Net Profit Margin (%)	PE Ratio (x)	ROCE (in %)	ROE (in %)	Debt to Equity
Hindustan Unilever Ltd (HUL)	16.91	49.84	22.91	21.55	0
Tata Consultancy Services (TCS)	19.11	26.87	62.01	51.24	0
ITC Ltd	46.38	14.74	36.41	49.61	0
HDFC Bank	21.83	9.85	2.62	13.56	–
Asian Paints	10.52	61.19	24.97	18.90	0.04
Coal India	24.30	6.94	24.24	35.67	0.09
Infosys	16.41	24.35	35.85	27.87	0
Reliance Industries Ltd.	8.37	24.77	8.70	8.25	0.41
Larsen & Turbo	6.91	31.93	14.89	15.39	1.33
Kotak Mahindra Bank	4.25	19.51	3.93	14.04	–

(Data as of 5 Jan, 2026)

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Low-Risk Stock Evaluation KPIs

Low Beta (Sensitivity to Market Movements)

Beta is a statistical measurement of the relative volatility or risk-adjusted return characteristic of a stock in comparison to the market as a whole. If the beta of any security is less than 1.0, it implies that the security has lower volatility in comparison to the market index. The beta value of less volatile stocks usually falls between 0.4 and 0.8. For example, the beta values of TCS and HUL are usually less, implying that the stocks are less influenced by market fluctuations.

A “Moat” is a sustainable advantage over the competition. This may be in the form of high brand equity, a wide distribution network, or high consumer switching costs. Firms like Asian Paints, which have strong market share, have strong positions in the industries they operate, making it difficult for new industries to enter. The future cash flows are, therefore, tied up because of this.

Robust and Transparent Corporate Governance

An essential part of low-risk investment is trust in the management of the organization. Such firms are marked by strong corporate business environments, including honest financial reporting, virtuous business practices, and just treatment of minority shareholders. This is evident in organizations such as Tata and HDFC.

High Interest Coverage Ratio and Cash Reserves

The Interest Coverage Ratio calculates a company’s ability to pay the interest of its debt outstanding. A higher ratio indicates that the business earns sufficient income to service its debt comfortably. One would not expect companies with good interest coverage ratios, like ITC or TCS, to fall into a financial crisis. Ample cash can provide capital for future growth and a cushion in case of contingencies.

Advantages of Low-Risk Stock Investing

Consistent Dividend Income Streams

One of the major benefits of low-risk stocks can be the possibility of earning regular income in the form of dividends. Successful and mature corporations usually pay some percentage of their profits to the shareholders.

Capital Protection during Volatile Cycles

The basic objective behind defensive stocks is that they help in reducing the chances of loss of capital. Low-risk businesses usually involve companies which possess strong cash reserves and relatively lower debt. This is because such corporations can easily counter difficult market conditions without hampering their ability to function.

Psychological Peace of Mind for Conservative Investors

Investment in firms that have shown steadiness in their business evokes less fear related to the volatility of the market. This is due to the knowledge of partnering with firms in the industry that have passed the test of times, surviving various economic cycles and therefore instilling confidence in the investor.

Long-Term Wealth Compounding with Lower Drawdowns

The best time for compounding would be when the base remains intact. The bigger the loss, the bigger the gains required for recovery. Non-risky stocks thus ensure that there is less risk of loss or ‘drawdown’ when the market ‘dips.’ For the 10-15 year time period, there would have surely been enough wealth accumulation through the compound effect.

Read Also: Best Copper Stocks in India

Things to Consider Before Buying

Debt-to-Equity Ratio Assessment

Investors must look for a Debt-to-Equity ratio less than 0.5, which should be near zero. High levels of debt boost financial risk, particularly under a high-interest-rate environment. Companies like HUL and ITC are excellent examples of strength imparted by a debt-free balance sheet.

Valuation Check (P/E Ratio vs. Historical Average)

Stability cannot justify valuation for infinity. Investors need to check the price-to-earning ratios relative to its historic average and peer group. Buying at inflated valuations even for a sound operational performance yields stagnant returns for the investor.

Promoter Holding and Institutional Interest

A high percentage of promoter holding indicates that the owners are confident in the business. Besides, high holdings by Foreign Institutional Investors and Domestic Institutional Investors provide a level of due diligence and endorsement. For instance, TCS has a promoter holding of more than 71%.

Current Economic/Sectoral Inflation Impact

Inflation affects sectors in different ways. FMCG firms have the ability to transfer inflation to their products, while industrial firms could see their margins being squeezed. Recognizing the dynamics of current inflation of 0.71% CPI in November 2025 while selecting sectors to sustain their margins helps.

Conclusion

Essentially, the concept of investing in low-risk stocks can be viewed as placing more importance on the safety of investment than the growth component. Mainly, investors can protect their portfolios from the whims of the stock market if they identify market leaders that have wide “moats,” no debt, and also steadily distributed dividends. This signifies that ownership of the company becomes more important than the stock price.

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Frequently Asked Questions (FAQs)

Is it possible for a low-risk stock to lose value?
Yes, market sentiment might drive down even the best companies’ prices in the short run. Low-risk stocks generally recover faster and show lower drawdowns compared to high-beta stocks.
How many low-risk stocks should I hold?
A concentrated portfolio of 10 to 15 high-quality stocks is, in most instances, enough to give one very nice diversification without diluting the returns or making the portfolio cumbersome to track.
Is high dividend yield indicative of low risk?
Not necessarily. Sometimes, the high yield is a function of a sharp drop in stock price for fundamental problems. Investors must verify the sustainability of the dividend payout and stability in earnings of the firm.
Should I invest via SIP or Lump Sum?
SIP is better to invest as far as risk management is concerned because it averages out the purchase cost. Lump sum investments are riskier if the market is at an all-time high, though they can be deployed during significant market corrections.
Are these stocks suitable for retirement planning?
Yes, definitely, these stocks are suited for a retirement portfolio where the priority is the preservation of capital along with regular income due to their stability and dividend income.

January 16, 2026

What Is MMID in Banking? Meaning, Features, Uses & Benefits

Earlier, whenever you tried to send money to someone, you were required to ask for their bank details and IFSC codes, etc. If any account number mismatches, the money can be transferred to another bank account. But with the evolution of the digital economy, transferring money is very easy because of the MMID or Mobile Money Identifier.

In today’s blog post, we will give you an overview of MMID, along with the benefits of using it.

What is MMID?

MMID means Mobile Money Identifier, which is a seven-digit unique code issued by your bank to identify your bank account details. It acts as a link between your mobile and your bank account. The MMID code is used to transfer funds instantly. Generally, to transfer funds, people use a long account number and the IFSC Code; users can simply rely on MMID in bank systems along with their mobile number to transfer money instantly.

Features of MMID

The key features of MMID are as follows:

Unique Code: MMID is a unique 7-digit code issued by your bank to identify your account for IMPS transactions.
One MMID: In case you have multiple bank accounts, you will receive a unique MMID for each account.
Mobile Base Transfers: It allows easy fund transfer using only a mobile number and MMID.
Availability: MMID through IMPS works on a real-time basis; it is always available even on the bank’s holidays.
All Banks: MMID works in all the Indian banks which offer IMPS services.

How Does MMID Work

The steps of how MMID works are as follows:

Mobile Number Linking: The first step is to link the mobile number with the bank account.
Creation of MMID Number: Once the bank account is linked with the mobile number, you need to create an MMID number.
Sending Money: To send money, one is required to open their mobile banking app and enter the recipient’s MMID and the amount to transfer.
Approving the Payment: The recipient’s mobile banking app receives a notification for approval.
Transferring Payment: If the payment details are approved by the recipient, the funds are instantly transferred.
Confirmation: Both the receiver and the sender of the money receive a confirmation message or notification for a successful transfer.

Advantages of MMID

The key advantages of using MMID are as follows:

Convenience: One can easily transfer money using a mobile number and MMID, without sharing bank account details.
Instant Transfer: MMID allows real-time transfer of money between the sender and receiver. The amount sent by the sender is transferred to the receiver’s account within minutes.
Secure Mode: Transferring funds using MMID is safe and secure. It only identifies your bank account, and you are not required to share any other details, such as account number and IFSC code.
No internet required: Using MMID does not require any internet connection; it can work on all mobile phones with SMS or USSD.
Economical: Transactions based on MMID involve a much lower cost than other modes of transferring payments, making it more affordable for users.

Disadvantages of MMID

The key disadvantages of MMID are as follows:

Only for Mobile Banking: Customers who use mobile banking services can only use the MMID to transfer funds.
International Unacceptance: The MMID is not widely accepted in other countries; it is only used in regions where mobile banking services are available.
Fraud Risk: Various frauds have been reported related to the misuse of MMID services; therefore, one must be careful while using MMID services for transferring funds.
Approval of Recipient: Transferring money through MMID requires approval of the recipient; therefore, if the recipient is not available or does not approve the approval request, money cannot be transferred.
Low Awareness: The awareness regarding the MMID mode of transferring payment is very limited.

How to Generate MMID

There are various methods through which one can generate MMID. A few of such methods are mentioned below:

Internet Banking

To generate an MMID using NetBanking, you are required to visit the official website of your bank.
Then you need to log in to your NetBanking account using your password and user ID.
After which, you are required to navigate to the fund transfer section and choose IMPS.
There you will find an option to generate MMID, click on it then your MMID will be sent to your registered mobile number via SMS.

Mobile Banking

First, you need to log in to your mobile application.
Navigate to the IMPS section.
Click on the generate or view MMID.

Phone Banking

This step requires calling your bank’s customer care.
Confirm the bank details with the representative.
Ask them to generate the MMID.
Once the request is successful, the MMID will be sent to your registered mobile number.

Conclusion

On a concluding note, the Mobile Money Identifier (MMID) is one of the simplest ways to transfer or receive money from another individual. It just requires your mobile number and an MMID. It acts as a key element of the digital economy or financial inclusion, as money can be transferred using feature phones. The usage of MMID is secured through different layers of authentication. However, it is advisable to be cautious while sending or receiving money using MMID.

S.NO.	Check Out These Interesting Posts You Might Enjoy!
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2	What is Commodity Market in India?
3	Difference Between Trading and Investing
4	Types of Investment in the Stock Market
5	How to Start Stock Market Trading With Low or Limited Capital

Frequently Asked Questions (FAQs)

What is MMID Number?
MMID refers to Mobile Money Identifier, which is used by a user to transfer money to another individual.
What is MMID full form in Banking?
The full form of MMID in banking is Mobile Money Identifier.
What is the MMID number?
MMID is a seven-digit number generated by your bank. It is linked to your mobile number, used for IMPS fund transfer.
Can I have more than one MMID?
Yes, you can have more than one MMID, as each bank provides a separate MMID.
Is it safe to share MMID?
Yes, it is absolutely safe to share MMID as no one can use it to withdraw money from your account.

January 16, 2026

Blog

Best ETF Platforms for Trading and Investment in India 2026

What is an ETF Platform?

The role of an ETF broker

Difference between ETFs and Mutual Funds

Best ETF Platforms for Trading & Investment

1. Pocketful

Pocketful’s charges and brokerage

2. Zerodha

Zerodha’s charges and brokerage

3. Upstox

Upstox’s charges and brokerage

4. Angel One

Angel One’s charges and brokerage

5. ICICI Direct

ICICI Direct’s charges and brokerage

6. HDFC Securities

HDFC Securities’s charges and brokerage

7. Kotak Securities

Kotak Securities’s charges and brokerage

8. 5paisa

5paisa’s charges and brokerage

9. Rupeezy

Rupeezy’s charges and brokerage

10. Paytm Money

Paytm Money’s charges and brokerage

Key Factors to Consider Before Selecting an ETF Platform

Conclusion

Frequently Asked Questions (FAQs)

Which is the best ETF trading platform in India?

Can beginners invest in ETFs?

Is there any risk in ETF investment?

Which is the best platform for Gold ETFs?

Do I need a demat account to buy ETFs?

Best Mid-Cap Mutual Funds in India

What are Mid-Cap Mutual Funds

How to Choose the Best Mid-Cap Mutual Fund

List of Best Mid-Cap Mutual Funds in India

Overview of Best Mid-Cap Mutual Funds

1. ICICI Prudential Midcap Fund

2. Mirae Asset Midcap Fund

3. HDFC Mid Cap Fund

4. Tata Mid Cap Fund

5. Invesco India Mid Cap Fund

6. WhiteOak Capital Mid Cap Fund

7. Canara Robeco Mid Cap Fund

8. ITI Mid Cap Fund

9. Nippon India Growth Mid Cap Fund

10. Aditya Birla Sun Life Mid Cap Fund

Conclusion

Frequently Asked Questions (FAQs)

Are mid-cap mutual funds risky?

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

Can beginners invest in mid-cap mutual funds?

How many mid-cap funds one should hold?

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

List of Best Index ETFs in India

Overview of Index ETFs in India

Returns Comparison of Best Index ETFs in India

Best Index ETFs in India

1. Nippon India ETF Nifty 50

2. SBI Nifty 50 ETF

3. ICICI Prudential Nifty 50 ETF

4. HDFC Nifty 50 ETF

5. UTI Nifty 50 ETF

6. Nippon India ETF Nifty Midcap 150

7. Mirae Asset Nifty Midcap 150 ETF

8. HDFC Nifty Smallcap 250 ETF

9. Nippon India ETF Nifty 100

10. LIC Nifty 50 ETF

Key Indicators of Best Index ETFs in India (KPI)

Advantages of Investing in Index ETFs

Factors Affecting the Indian Stock Market in 2026

Things to Consider Before Buying Index ETF in India

How to Invest in Index ETFs in India

Conclusion

Frequently Asked Questions (FAQs)

What is the minimum amount I need to start?

Can I do an SIP in ETFs?

Are ETFs safe?