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Practical Tips for Investing in Mutual Funds for Beginners in India

You might want to invest your savings and make money out of it but all the financial talks sometimes confuse you. But you are not the only one, many people in India are now moving away from traditional savings like gold or fixed deposits and choosing market options instead.

Mutual funds are a great way for us to grow our wealth. In this blog, we will share Practical Tips for Investing in Mutual Funds to help you start your journey.

What are Mutual Funds?

A mutual fund can be compared to a big pot of money where multiple people who are willing to invest pool their savings. This money is used by a professional fund manager to invest in stocks and bonds on your behalf.

Mutual funds are popular and common because you don’t need to be an expert in them to invest in the market. Generally, investing in mutual funds can be started with a very small amount and an expert takes care of growing your investments. By mid-2025, the total money in Indian mutual funds reached over Rs.74 lakh crore. This shows that millions of Indians now trust this way of saving.

Why Invest in Mutual Funds?

If you are considering mutual funds over other investment options, here are some key benefits.

Benefits of Mutual Funds

Professional Management: Experts manage your invested money and you don’t have to spend hours researching where to invest.
Diversification: In mutual funds your money is not invested in just one company rather your money is spread across different companies available in the fund. Even if one company does poorly, the others can keep your investment safe.
Affordability: You don’t have to invest lakhs of rupees to start your investment journey, you can begin with a systematic investment plan (SIP) with just an investment as small as Rs.500.
Liquidity: Units can be easily sold and the money is credited to your account within a few days.

Who Should Invest?

Beginners: Mutual funds are best suitable for beginners as they are one of the most accessible and professionally managed investment options in the market
Salaried Individuals: SIPs are best suited for salaried people as you can easily allocate the amount for SIP from your salary.
Long-term Investors: Mutual funds are an excellent choice for building wealth if you are planning to go for a long term investment of 5 years or more.

Set Clear Financial Goals Before Investing

Before starting you should always be clear about your end goal as this helps you to make a calculated decision.

1. Short-Term vs Long-Term Goals

Short-term goals are things you want in less than 3 years. This could be a family holiday or buying a new scooter. For these, you want your money to stay safe.

Long-term means investment of about 5 to 10 years. This could be your child’s future or your own retirement. For such goals, you can take more risk to get better returns.

2. Goal-Based Investing Approach

Your goals can be different and every goal shall be put in a different bucket. One can be your child’s college expenses or marriage and the other can be your retirement. Investing based on goals can help you to stay calm and relaxed. Even if there are fluctuations in the market you don’t have to worry as you require the money after 10 to 15 years.

Understand Your Risk Appetite

Every investor is different, some can handle seeing their balance go up and down, while others get very worried. This is called your “risk appetite”.

Types of Risk Profiles

Conservative: You want to keep your money very safe and prefer steady, small returns over big risks.
Moderate: You are okay with some ups and downs to get better returns than a bank account.
Aggressive: You are focused on high growth. You are comfortable if the market falls for a while because you are looking at the long term.

Equity funds invest in the stock market and have high risk. Debt funds invest in government bonds and are much safer. Hybrid funds are a mix of both and are great for people who want a middle path. You should look for what suits you the best.

Choose the Right Type of Mutual Fund

There are many types of funds in India. Choosing the right one makes your journey easier.

Equity Funds: In this, shares of companies are bought and this is generally for long-term growth. You can opt for Large-cap funds if you want to invest in big, stable companies and for smaller, high-growth companies you can invest in Mid-cap or Small-cap funds.
Debt Funds: These funds have stability and are best for short term investments. These are like giving a loan to the government or big companies.
Hybrid Funds: This is one of the most popular funds for beginners as here your money is automatically divided and invested in stocks & bonds.
Index Funds: These funds mimic the top 50 companies in India (the Nifty 50). These are simple and cheap options to invest, even the expense ratio is very low saving you the added cost.

Invest Through SIP Instead of Lump Sum

Many people ask if they should put all their money in at once or invest monthly. For most of us, a monthly SIP is the winner.

What is SIP?

An SIP is when you invest a fixed amount every month on a set date. It is like a monthly habit for your future.

Benefits of SIP

The main benefit is “rupee cost averaging.” When the market is low, your Rs.500 buys more units. When it is high, it buys fewer units. Over time, your average cost becomes lower without you having to guess the market price. It also teaches you discipline.

Factors to Consider Before Choosing the Right Fund

Evaluate Fund Performance Properly: Do not just look at which fund gave the highest returns last year. That can be a trap.
Don’t Rely Only on Past Returns: A fund that was a “superstar” last year might not do well this year. Markets change in cycles. Instead, look for a fund that has performed well consistently over 3 to 5 years.
Compare with Benchmark: Every fund has a “benchmark” or a target. If your fund is supposed to follow the top 100 companies, check if it is doing better than the actual Index of those 100 companies. If it is not, the manager might not be doing a good job.

Read Also: How to Invest in Mutual Funds?

Keep an Eye on Expense Ratio and Charges

Companies charge a fee to manage your money. This is expressed in terms of the Expense Ratio.

What is Expense Ratio?

The Expense Ratio is the annual fee you pay to the mutual fund company. Even a small difference in this fee can change your final wealth by lakhs of rupees over 20 years. When you search for a fund, you will see two options, Direct and Regular.

Always try to choose the “Direct” plan. Regular plans include a commission for an agent, which makes them more expensive. Direct plans have a lower Expense Ratio and give you higher returns over time.

Exit Load Explained

An “Exit Load” is a fee you pay if you take your money out too soon. Most funds charge 1% if you sell within a year. This is to encourage us to stay invested for a longer time.

Avoid Common Mistakes

Many Indians lose money because of simple errors. Let’s look at how to avoid them.

Timing the Market: Do not wait for the “perfect” time to buy. Even experts fail at this. Doing nothing and just letting your SIP run is the best choice.
Investing Without Research: Do not invest just because your neighbor or a WhatsApp group told you to. Every person has different needs and goals.
Too Many Funds: You do not need 20 different funds. This just makes your life complicated. A simple set of 4 or 5 good funds is usually enough.
Ignoring Review: While you should not check your balance every hour, you should review it once or twice a year to see if you are still on track for your goals.

Conclusion

Mutual fund investment is directly linked to patience. Here you do not get rich overnight, rather you will build wealth in the long term. Starting right now, opting for direct plans and investing in a disciplined manner will help you reach your goal.

For more market news and insights, download Pocketful where you get a lifetime free account with zero brokerage on delivery trades.

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Frequently Asked Questions (FAQs)

Can I lose all my money in a mutual fund?
Generally, the answer is no. Because your money is spread across multiple companies, it is very unlikely that you will lose everything.
Is a SIP better than a one-time investment?
For most people, a SIP is better because it reduces the risk of investing all your money when the market is at a high price.
What happens if I stop my SIP for a few months?
SIPs can be paused or stopped for a while without any penalty or fees. However it is best to invest regularly as you get the benefit of compounding.
How much tax do I have to pay on my profits?
In equity funds, a 12.5% tax is paid on long-term gains of above Rs.1.25 lakhs in a year. For short-term gains, you are taxed at a flat 20%.
Do I need a Demat account for mutual funds?
For investing in mutual funds, a Demat account is not compulsory, investment can be done directly through the fund company or by using some investment apps.

June 7, 2026

What is IPO Lock-In Period?

When a company finally goes public, it is a moment of celebration. But for seasoned investors, the listing day is the beginning of a new complex timeline, which is because of the IPO Lock-In period.

In today’s blog post, we will give you an overview of the IPO Lock-In period, along with the different types of lock-in period for the different categories of investors.

What is an IPO Lock-In Period?

The IPO Lock-In period is a fixed window of time during which a certain category of shareholders cannot sell their shares after a company lists on the stock exchange. This Lock-In period generally applies to the big investors, such as anchor investors, employees holding ESOPs, promoters, etc. This lock-in period is applicable to protect the interests of retail shareholders.

The Lock-In period reflects the commitment of existing shareholders in the company’s future growth. Once the lock-in period is over the shares can significantly show some volatility as existing shareholders can now freely sell the shares.

Importance of IPO Lock-In Period

The key importance of the IPO Lock-In period is as follows:

Price Stability: If a large number of shares are sold in the market at once, supply would exceed demand, which can cause a sharp correction in stock price.
Building Confidence: IPO Lock-In period signals to the public that the insiders believe in the long-term future of the company and are not just looking for a quick exit.
Reducing Manipulation: Lock-In period prevents large shareholders from pumping the stock price during the IPO hype and dumping it immediately after the listing of the stock.
Transparency: IPO Lock-In period stated by the SEBI provide clarity to the retail investors that the company operates in a transparent manner and has long-term commitment towards its growth.

How does the IPO Lock-In Period work

The IPO lock-in period works in the following manner:

Prospectus: The company, at the time of issue of the prospectus, defines the lock-in period based on the guidelines set down by the Securities and Exchange Board of India.
Restrictions: Once the IPO opens certain categories of investors are restricted to sell the shares and during such lock-in period they cannot sell their shares in the market.
Allotment: The IPO lock-in period starts from the date when the shares are allotted to the respective shareholder or category of investor.
Listing of Shares: After the allotment of shares the next step would be listing of shares on the exchange. Once the listing of shares is completed the only those investors can sell shares in the open market on whom the lock-in period does not apply.
Expiry of Lock-In Period: Once the lock-in period ends, the restrictions are lifted. These investors can then sell their shares in the open market, which often leads to an increase in volatility.

Types of IPO Lock-In Period

The different types of IPO lock-in periods are as follows:

1. Promoter Lock-In Period

Promoters are the founders or entities that control the company. Since they have the most inside knowledge, their lock-in is usually the strictest. Under current SEBI regulations, promoters’ shares are generally locked in for 18 months from the date of allotment.

2. Anchor Investor

Anchor investors are the institutional investors who commit to buy shares before the IPO opens for the general public. They get the benefit of guaranteed allotment; however, in exchange, they face a specific lock-in period. The first 50% of their shares are locked for 30 days, and the remaining 50% can only be sold after 90 days.

3. Pre-IPO and Unlisted Shareholders

Unlisted shareholders who buy shares of a company before it goes public are subject to a 1-year lock-in period from the date the company finally lists on the exchange. During this period, your shares are frozen in your demat account.

4. Significant Shareholders

For companies without an identifiable promoter, SEBI has specific rules for shareholders owning more than 20% of the company. On the day of listing, these investors can only sell up to 50% on their holdings. The remaining 50% is subject to a 6-month lock-in period.

5. Non-Promoter Pre-Issue

The non-promoter shares held by any non-promoter are subject to a 6-month lock-in post-IPO.

Investor Category	Typical Lock-In Period	Objective
Promoters	18 Months	Long-term commitment.
Anchor Investors	30 Days (50%) & 90 Days (50%)	Initial Price Stability
Pre-IPO Shareholders	1 Year	Prevention of quick exits
Significant Shareholders (>20%)	6 Months (on the remaining 50%)	Balanced market supply
Non-Promoter Pre-Issue	6 Months	Regulatory Compliance

Lock-In Period for Retail Investors in an IPO

For a retail investor, there is no lock-in period, and they can sell their shares allotted during the IPO process anytime after the listing of the IPO. They can either sell their shares immediately after the listing, or they can hold them for the long-term. There is no compulsion to hold the shares for any particular period in the case of retail investors, thus enabling them to sell off the shares freely after listing. Same rule applied for SME IPOs.

What happens when the IPO Lock-In Period Ends

The end of IPO Lock-In period can impact the stock prices in the following manner:

Increase in Supply: Once the IPO Lock-In period ends the supply of shares increases sharply as a large number of shares become available for trade. An instant supply can put downward pressure on the stock price.
Volatility: The share prices might see some volatility as large shareholders selling their shares. This generally happens near the end of the lock-in period.
High Liquidity: The liquidity of the stock generally improves as it results in improving trading experience for the traders.
Block Deal: After the closure of the lock-in period large investors generally sell their shares through block-deal instead of selling them through open market with an objective to minimize price disruption.

Advantages of IPO Lock-In Period

The key advantages of the IPO Lock-In period are as follows:

Protect Small Investors: The IPO Lock-In period protects the small investors as it stops the dumping of stocks by the large institutional investors.
Showcase Performance: It gives a new company which is listed on the stock exchange an opportunity to prove its financial health through quarterly results before any major exits happen.
Reduce Volatility: The IPO Lock-In period keeps the stock price stable during the first few weeks of trading, hence it allows retail investors to book their profit accordingly.
Price Discovery: IPO Lock-In period allows the market participants a fair time to evaluate the performance of the company and calculate the fair price.

Read Also: What is Pre-IPO Investing?

Limitations of IPO Lock-In Period

The key limitations of the IPO Lock-In period are as follows:

Liquidity: The IPO Lock-In period does not allow a few categories of investors to sell their shares during such Lock-In period; hence, they cannot access their capital if required.
Late Profit Booking: Investors who invest early in the company and take high risk have to wait for a few months to book their profits.
Significant Price Crash: Once the Lock-In period is over, it can create a mess, and a sudden drop in share prices can incur significant losses for the large shareholders.
Short-term Protection: The IPO Lock-In period only allows short-term protection to the retail shareholders. After the end of the lock-in period the sudden volatility in the stock can impact retail investors.

Conclusion

On a concluding note, if you are a retail investor, then you do not need to worry about the IPO Lock-In period; you are free to sell your shares whenever you want after listing. However, the lock-in period of other shareholders affects your investment. Before investing in an IPO or buying a recently listed stock, you need to check the calendar whether the lock-in period of any large investor is about to end, and it is advisable to consult your investment advisor before making any investment in an IPO.

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Frequently Asked Questions (FAQs)

What is the IPO Lock-in period?
An IPO Lock-up is a period or duration during which a certain category of investor cannot sell their shares in the market after the listing of the IPO.
What is the duration of the IPO Lock-in period?
The lock-up period of an IPO after listing depends on the categories of investors; it may range from a few days to months.
How do I know when I can sell my IPO shares?
You can sell your IPO shares once it is credited to your demat account and immediately after the listing of the IPO on the exchange.
Is there any lock-in period for retail investors investing in an IPO?
No, there is no lock-up period for retail investors investing in an IPO. They are free to sell their share anytime after the listing.
Do all the IPOs have a lock-in period?
No, generally most of the IPOs have a lock-up period for certain categories of investors. Although the exact rules and lock-up duration may differ from one company to another.
Does the stock price always fall after the lock-in period is over?
No, the share prices don’t always need to fall after the end of the lock-up period.

June 7, 2026

NSE Extends F&O Trading Hours by 10 Minutes

The NSE has introduced a significant change for investors engaged in F&O trading within the stock market. Effective August 3, 2026, the F&O market will close at 3:40 PM, rather than at 3:30 PM as was previously the case. This decision coincides with the implementation of a new Closing Auction Session (CAS). In this article, we will explore why the NSE extended the trading hours, what the CAS entails, how the new rules will function, and the potential impact this may have on F&O traders.

NSE Extends F&O Trading Hours – What’s Changing?

For active traders in the F&O segment, the NSE has announced a change in market closing hours. Effective August 3, 2026, trading in the Equity Derivatives segment will extend for an additional 10 minutes compared to current timings. This change has been implemented to introduce a new Closing Auction Session (CAS), aimed at better coordinating the closing process between the cash market and the derivatives market.

It is noteworthy that there have been no changes to the market opening time, the trade modification window, or other standard procedures. The modification pertains solely to the market closing time and the VWAP window utilized for calculating the closing price.

Timings before and after August 3, 2026

Segment	Before August 3, 2026	Effective from August 3, 2026
F&O Market Opening Time	9:15 AM	9:15 AM
F&O Market Closing Time	3:30 PM	3:40 PM
Trade Modification Window	By 4:15 PM	By 4:15 PM
VWAP Period for Closing Price	3:00 PM – 3:30 PM	3:10 PM – 3:40 PM

Why Has NSE Extended Trading Hours?

The Closing Auction Session (CAS), set to go into effect on August 3, 2026, is being introduced with the objective of making the market closing process more organized and transparent.

Launch with Select Stocks: In the initial phase, CAS will apply only to those stocks for which F&O contracts are available. Subsequently, it may be extended to other eligible stocks as well.
Fixed Session Timings: The CAS will be conducted from 3:15 PM to 3:35 PM. Concurrently, trading in the Equity F&O segment will continue until 3:40 PM.
±3% Price Band: During this session, a static price band of ±3% based on the Reference Price will be applicable. This same framework will also apply to Stock Futures contracts.
Restrictions on Certain Order Types: Specific order types such as Stop Loss (SL), Immediate or Cancel (IOC), and Disclosed Quantity (DQ) will not be accepted during the CAS.
Closing Based on Equilibrium Price: In the Cash segment, the Closing Price will be determined based on the Equilibrium Price. If an Equilibrium Price cannot be established, the Reference Price will be deemed the Closing Price.
Priority for Existing Orders: Existing orders carried over from the regular trading session will be accorded higher priority compared to new orders placed during the CAS. Furthermore, Market Orders will be given precedence over Limit Orders.
Existing Margin Rules Remain Applicable: Existing margin and risk management regulations will continue to apply to new orders placed during the CAS, thereby ensuring the maintenance of market safety and stability.
Real-Time Data Dissemination: Throughout the session, the Exchange will provide live updates on key metrics such as the Indicative Equilibrium Price, Indicative Tradable Quantity, and Indicative Index Value.

Read Also: Open Interest in F&O Explained

What Is the Closing Auction Session (CAS)?

The Closing Auction Session (CAS) is a special trading session held at the end of the day in the stock market, used to determine the final closing price of a share.

The Process of Determining the Closing Price: During this session, investors place buy and sell orders. Based on these orders, an Equilibrium Price is derived, which is then designated as the closing price for that specific share.
A Session Held Before Market Closure: According to new regulations by the NSE, the CAS will be conducted from 3:15 PM to 3:35 PM. It will take place after the conclusion of regular trading hours but prior to the final market closure.The Objective: Transparent Price Discovery: The primary objective of this mechanism is to make the closing price more fair and transparent, thereby mitigating the impact of price volatility that often occurs during the final minutes of the trading day.
Commencing with F&O Stocks: Effective August 3, 2026, this mechanism will initially apply exclusively to those shares for which F&O (Futures & Options) contracts are available.

CAS Timings Explained

The CAS will be conducted as a 20-minute special session, during which the entire process from order entry to trade confirmation will be completed.

Time	What will happen?
3:15 PM – 3:20 PM	Calculation of the transition period and reference price. During this period, new orders cannot be placed.
3:20 PM – 3:25 PM	Order Entry Period. Investors will be able to enter, modify, or cancel limits and market orders.
3:25 PM – 3:30 PM	Only Limit Orders may be modified or cancelled. Market Orders cannot be modified.
3:28 PM – 3:30 PM	During this period, the system may randomly suspend order entry at any time.
3:30 PM – 3:35 PM	The process of order matching and trade confirmation will be completed.
3:40 PM	Trading in the Equity F&O segment will conclude.

Key Rules Traders Should Know

Rule	Description
F&O Closing Time	From August 3, 2026, the Equity F&O market will close at 3:40 PM.
Shares Subject to CAS	Initially, CAS will apply only to those shares for which F&O contracts are available.
CAS Time	The Closing Auction Session (CAS) will run daily from 3:15 PM to 3:35 PM.
Price Band	During the CAS, a ±3% price band will be applicable for shares and stock futures, based on the reference price.
Restricted Order	Stop Loss (SL), IOC, and Disclosed Quantity (DQ) orders will not be permitted.
Closing Price Determination	The closing price will be determined based on the equilibrium price.
Order Priority	Market orders will take precedence over limit orders.
Rule for Old Orders	Old limit orders received from CTS will be given higher priority than new CAS orders.
Margin Check	Margin and risk management rules will continue to apply to new orders placed in the CAS.
Live Data Broadcast	The Exchange will display the Indicative Equilibrium Price, Tradable Quantity, and Indicative Index Value in real-time.
VWAP Window	The VWAP for F&O closing prices will be calculated based on trades executed between 3:10 PM and 3:40 PM.
Order Cancellation	Orders falling outside the new price range may be automatically cancelled.

Impact of New Rules on F&O Traders

Following the recent changes introduced by the NSE, F&O traders may now benefit from better pricing and enhanced opportunities to manage their positions before the market closes.

Additional 10 Minutes of Trading: The F&O market will now close at 3:40 PM instead of 3:30 PM. This provides traders with a little extra time to adjust their positions or manage orders during the final moments of the trading session.
Enhanced Opportunities for Hedging : With the implementation of the Call Auction Session (CAS) in the cash market, there will be improved synchronization between the derivatives and cash segments. This could make it easier to execute hedging strategies at the time of market close.
More Accurate Derivatives Pricing : As the price determination process at market close becomes more structured, the prices of Futures and Options contracts are likely to align more closely with actual market activity.
Improved Price Discovery at Market Close : Through the CAS mechanism, buy and sell orders at the time of market close will be matched more efficiently, thereby increasing the likelihood of the closing price being more transparent and balanced.

Conclusion

These changes, effective from August 3, 2026, will make the closing process of the Indian stock market more systematic and transparent. It has become more important than ever for investors and traders to understand the new rules.

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Frequently Asked Questions (FAQs)

What is the new F&O market closing time on NSE?
From August 3, 2026, the NSE F&O market will close at 3:40 PM.
What is a Closing Auction Session (CAS)?
This is a special process for determining the closing price before the market closes.
When will CAS be implemented?
CAS will be implemented from August 3, 2026.
Will CAS apply to all NSE stocks?
No, initially it will only apply to F&O stocks.
What are the CAS session timings?
CAS will run daily from 3:15 PM to 3:35 PM.
Can Stop Loss orders be placed during CAS?
No, Stop Loss, IOC, and DQ orders will not be allowed in CAS.

June 6, 2026

How to Buy and Sell Bonds in India?

Most Indian investors know about stocks and mutual funds, but bonds? That conversation rarely happens. The irony is that India’s bond market is massive, and retail access has improved a lot over the past three years. If you’ve been trying to figure out how to buy bonds in India but kept running into jargon and complicated processes, this guide cuts through all of it. From picking the right bond to actually selling it before maturity, we cover the whole thing.

What Exactly Is a Bond?

Think of it this way. When a company or government needs money, they have two choices: borrow from a bank or borrow directly from investors. Bonds are how they borrow from investors like you.

You lend them money. They agree to pay you a fixed interest (called a coupon) at regular intervals. At the end of the tenure, you get your principal back. That’s the full deal.

The appeal is predictability. A corporate bond paying 9.2% per year pays exactly that. There’s no uncertainty like equity, no NAV movement like mutual funds. For people who want a stable income, retired investors, especially, certainty matters a lot.

Types of Bonds in India

Not all bonds work the same way. Knowing what’s available helps you pick what actually fits your goal.

Bond Type	Who Issues It	Tenure	Risk
Government Securities (G-Secs)	Central Government	5 to 40 years	Very Low
State Development Loans (SDLs)	State Governments	Up to 30 years	Very Low
PSU Bonds	Public Sector Companies	3 to 15 years	Low
Corporate Bonds	Listed Private/Public Companies	1 to 10 years	Moderate
Non-Convertible Debentures (NCDs)	Companies via public issue	2 to 10 years	Moderate to High
Municipal Bonds	Urban Local Bodies	3 to 10 years	Low to Moderate

G-Secs carry sovereign backing, which means the Central Government guarantees repayment. Corporate bonds and NCDs offer better yields, but credit risk varies by issuer. Always check the credit rating before putting money into any corporate bond.

Documents and Accounts You Need

Getting started with bond investing doesn’t take long. Here’s what you need in place:

A Demat account with NSDL or CDSL, where bonds are held electronically, so this is non-negotiable
A trading account if you plan to buy through NSE or BSE
KYC documents: PAN card, Aadhaar, and bank account details
An RBI Retail Direct account if you’re going the government securities route without a broker

If you already trade stocks, your existing Demat and trading accounts work for bonds too.

Read Also: Government Bonds India

How to Buy Bonds in India: 4 Ways to Do It

1. Through RBI Retail Direct

The RBI launched this platform in November 2021 after years of the government securities market being practically inaccessible for retail investors. You open a free Retail Direct Gilt (RDG) account and participate directly in primary auctions for G-Secs, T-Bills, SDLs, and Sovereign Gold Bonds.

No broker. No middleman. No fees. You’re buying directly from the government at the auction price.

The platform also has a secondary market segment through NDS-OM (Negotiated Dealing System – Order Matching) where you can buy and sell G-Secs between auctions. Useful if you want liquidity without waiting for a new issuance.

Good for investors who want pure government paper with no credit risk and zero distribution cost.

2. Through NSE or BSE

Both exchanges have a bond segment. NSE’s goBID and BSE Direct are the relevant platforms for retail investors. If you have an existing trading account, you log in, search for the bond by name or ISIN, check the live market price and yield, and place a buy order exactly the way you’d buy a stock.

Settlement for G-Secs happens on T+1. For corporate bonds it’s usually T+2.

The advantage here is the convenience – one platform, one account, access to both government and corporate bonds. Liquidity depends on how actively a bond is traded. Some bonds see thin volumes on the exchange, which can make buying at a fair price tricky.

3. Through a SEBI-Registered OBPP

SEBI brought in a framework for Online Bond Platform Providers (OBPPs) specifically to regulate the retail bond market. Platforms registered under this framework can only list bonds that meet SEBI’s compliance standards.

On these platforms, you browse a curated inventory of corporate bonds, filter by yield, credit rating, and tenure, compare options, and invest. Some also support secondary market selling, you submit your bond details and they find you a buyer.

Before investing on any bond platform, check that it’s SEBI-registered. Unregistered platforms have no regulatory accountability and carry substantially higher risk. The SEBI registration number should be clearly displayed on their website.

4. Through Your Bank

Some banks in India operate gilt accounts and act as intermediaries for government bond auctions. If you prefer managing everything through your bank, this route works without needing a separate broker account.

Banks also distribute certain corporate bonds and NCDs during public issues. These are usually marketed as fixed-return products with a stated tenure and coupon. The process is straightforward: fill out an application, submit KYC, and your allotment will reflect in your Demat.

How to Buy Bonds in India: Step by Step

Step 1: Open a Demat Account

A Demat account is the starting point. Open one with a registered depository participant, your existing stockbroker likely offers this. The process is online and usually takes under 30 minutes.

Submit PAN and Aadhaar for KYC verification
Link your savings bank account for fund transfers
Note your DP ID and client ID once the account is active

Step 2: Pick Your Platform

For government securities, RBI Retail Direct or NSE goBID are the most direct options. For corporate bonds and NCDs, a SEBI-registered OBPP gives you a wider range to browse and compare. Your broker’s trading platform also works if bonds are listed on the exchange.

Step 3: Research Before You Commit

Don’t pick a bond based on yield alone. Check all of these before placing an order:

Credit rating: AAA is the best; stay cautious below AA for corporate bonds
Yield to Maturity (YTM): This is your actual annualised return if held till maturity, not just the coupon rate
Coupon frequency: monthly, quarterly, semi-annual, or annual interest payouts affect your cash flow planning
Liquidity: if a bond trades with thin volumes on the exchange, exiting before maturity at a fair price becomes difficult
Tenure match: A 10-year bond in a rising rate environment is a very different risk than a 2-year bond.

Step 4: Place the Order

On exchanges, you place a market or limit buy order. On OBPPs, you confirm the investment through the platform’s checkout process. On RBI Retail Direct, you submit a non-competitive bid during the auction window and you’ll get allotted at the cut-off price.

Step 5: Monitor Your Investment

After settlement, the bonds show up in your Demat account. Coupon payments land directly in your linked bank account on the scheduled dates. Track the current market price versus your purchase price from your broker or platform dashboard.

Read Also: What are Bond Valuation?

How to Sell Bonds Before Maturity

Bonds don’t have to sit till maturity. Most listed bonds can be sold in the secondary market whenever you need liquidity or want to exit a position.

1. Selling on a Stock Exchange

Log into your trading account and go to your bond holdings. Select the bond you want to sell and place a sell order. The exchange matches your order with a buyer through its order book.

Once executed, the bond leaves your Demat account and the proceeds are credited to your account. G-Secs settle on T+1, corporate bonds on T+2.

One thing to be aware of, if a bond doesn’t trade actively on the exchange, you may not find a buyer quickly or may have to accept a lower price to get the trade done.

2. Selling Through an OBPP

Some SEBI-registered platforms have a dedicated sell section. You enter the bond’s ISIN, quantity, and your expected price. The platform reviews your request, connects you with a potential buyer, and processes settlement through the clearing corporation, typically ICCL (Indian Clearing Corporation Limited).

The bond units are blocked in your Demat until the buyer’s payment is confirmed. Once the transaction settles, proceeds will be credited to your registered bank account.

3. Selling G-Secs Through RBI Retail Direct

If you bought G-Secs through Retail Direct and they’re sitting in your RDG account, you sell them through the NDS-OM platform on the Retail Direct portal. Place a sell order, the system finds a matching buyer, and settlement happens on T+1.

One important point: bonds held in physical certificate form cannot be traded on any electronic platform. Old paper bond certificates need to be converted to Demat form first.

What Affects Bond Prices When You Sell

Your sale price in the secondary market won’t always match your original purchase price. Bond prices move for several reasons:

RBI rate decisions: when interest rates go up, existing bond prices fall because newer bonds now offer better yields. Rates go down, your bond price rises.
Credit rating changes: a downgrade on the issuing company drops market value fast. An upgrade does the opposite.
How much time is left: Longer-duration bonds are far more sensitive to rate movements than short-tenure ones
Market liquidity: If buyers are scarce for your bond, the bid-ask spread widens and you sell below fair value

A practical example: if you bought a 10-year G-Sec in a low-rate environment and the RBI subsequently hiked rates significantly, the market price of that bond would have fallen. Selling at that point means booking a capital loss, even though the government hasn’t defaulted on anything.

Tax on Bond Income

Two types of tax apply to bonds – interest income tax and capital gains tax.

Interest income (coupon payments) is added to your total income and taxed at your applicable income tax slab. If you’re in the 30% bracket, your bond interest is taxed at 30%, regardless of bond type.

Capital gains tax depends on how long you held the bond and whether it’s listed or unlisted:

Bond Type	Holding Period	Tax Rate
Listed Bonds	Under 12 months	Slab rate (STCG)
Listed Bonds	Over 12 months	12.5% without indexation (LTCG)
Unlisted Bonds	Under 24 months	Slab rate (STCG)
Unlisted Bonds	Over 24 months	12.5% without indexation (LTCG)

Listed bonds have a shorter qualifying period for LTCG and also fall under SEBI’s grievance mechanism, another reason to prefer listed bonds over unlisted ones.

How to Invest in Bond Mutual Funds

Not comfortable buying individual bonds directly? Bond mutual funds are a practical alternative. Debt mutual funds invest in government securities, corporate bonds, and money market instruments on your behalf, giving you exposure to the bond market without needing to research individual issuers or manage a Demat holding yourself.

Pocketful lets you invest in bond and debt mutual funds with zero commission. Here’s how to get started:

Step 1: Create Your Account

Download the Pocketful app and complete your sign-up in a few minutes.

Enter your mobile number and verify with OTP
Set your login credentials
Access your personal dashboard

Step 2: Complete Your KYC

KYC is mandatory before investing in any mutual fund in India. On Pocketful, the entire process is paperless and online.

Add your PAN and Aadhaar details
Enter your bank account information
Complete verification digitally

Step 3: Browse Debt and Bond Mutual Funds

Once your account is active, explore fund options based on your investment horizon and risk appetite.

Choose from liquid funds, short-duration funds, gilt funds, corporate bond funds, or dynamic bond funds
Compare expense ratios, YTM of the portfolio, and credit quality
Check rolling returns vs benchmark before finalising

Step 4: Start Your SIP or Lump Sum Investment

Decide how you want to invest, a fixed monthly SIP or a one-time lump sum. SIPs in debt funds can start from as little as ₹100 per month.

Set your SIP amount and date
Choose the fund and confirm your investment
Track NAV, returns, and portfolio from your Pocketful dashboard.

Read Also: What are Bond Yields?

Conclusion

Bond investing in India has come a long way from being a product only institutions and wealthy individuals could access. RBI Retail Direct, NSE goBID, SEBI-regulated OBPPs , retail investors now have genuine options across government and corporate bonds. Learning how to buy bonds in India is straightforward once you understand the available routes. And knowing how to sell bonds before maturity, what drives price movement, and how taxation works gives you the full picture before committing any capital.

Start your bond investing journey with Pocketful, invest in bond funds with zero commission, so you keep more of what the market gives you.

Disclaimer: This article is for educational purposes only. Bond investments are subject to market and credit risks. Please read all offer documents carefully before investing.

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Frequently Asked Questions (FAQs)

Can I buy bonds without a Demat account?
No. Bonds in India are held in electronic form and a Demat account registered with NSDL or CDSL is mandatory. The only partial exception is RBI Retail Direct, which maintains its own RDG account, but even that is essentially a digital holding.
What is the minimum amount to invest in bonds?
It depends on the bond type. Government securities on RBI Retail Direct start from ₹10,000. Many corporate bonds on OBPPs also start from ₹10,000 following SEBI’s revised minimum face value norms. Some NCDs during public issues may have a lower minimum.
Are bonds safer than mutual funds?
Not necessarily in all cases. Government bonds are among the safest instruments in India, sovereign-backed and practically default-free. Corporate bonds carry credit risk. A poorly rated corporate bond can default, which mutual funds with diversified portfolios are less exposed to. Safety depends on which bond you pick.
Can I sell a bond before its maturity date
Yeah, you can definitely sell a bond before it matures if it’s listed and held in a Demat account. You can either sell it through the exchange, or if you’ve got an Offline Block deal, you can do that too – but it needs to be in Demat form. The price you get will depend on loads of factors – what’s currently happening in the market, interest rates, how easy or hard it is to sell, and the like. You might find some bonds are a bit harder to sell, and there may not be many people looking to buy them.
How does bond interest get paid out
Coupon payments just get deposited straight into the bank account that’s registered with the bond – and that’s on the dates specified in the bond’s terms. So if it’s a bond that pays out monthly, quarterly, 6 monthly or annually – that’s when you can expect to see the cash rolling in. And the good news is you don’t have to lift a finger to get it – it’ll just turn up in your account.

June 6, 2026

Top Reasons Why Mutual Funds Are Going Down in 2026

Mutual funds are one of the most talked-about investments in India right now, yet a large number of investors end up booking a mutual fund loss within the first year itself. If your portfolio is bleeding and you keep asking why mutual funds are going down despite investing regularly, the honest answer is the market isn’t always the villain here. Most losses trace back to investor behaviour, wrong fund choices, and poor timing. Let’s get into what actually goes wrong.

Can You Actually Lose Money in Mutual Funds?

Yes, you can. Mutual funds are not bank deposits. There’s no guaranteed return. Equity funds especially move with the stock market, so when markets fall, your NAV falls too.

But here’s the part most people miss: a falling NAV isn’t a loss until you redeem. Many investors panic when they see red numbers and pull out. That’s when a temporary dip becomes a real loss. Many investors panic during market downturns after seeing negative returns in their portfolio and exit too early. This emotional decision can turn a short-term dip into a permanent loss. On the other hand, disciplined investors who stay invested for the long term often benefit when markets recover.

Why Mutual Funds Are Going Down, And Why That’s Normal

Markets don’t move in a straight line. Short-term falls happen because of:

RBI interest rate changes
FII (Foreign Institutional Investor) outflows
Global slowdowns or recession fears
Rupee weakness
Domestic political or policy uncertainty

These triggers affect almost every fund category. So if you’re asking why all mutual funds are going down today, chances are it’s a broader market event, not a fund-specific problem.

The important thing to know is this: none of these is permanent. Indian markets have recovered from every crash, whether it was the 2008 financial crisis, the COVID-19 selloff in 2020, or the 2022 rate hike cycle.

Real Reasons Why People End Up With Mutual Fund Loss

1. Buying High, Selling Low

This sounds obvious, but it’s the number one mistake Indian investors make. People enter funds after reading about 40–50% returns in news articles, which usually means the rally is already over.

Then, when markets correct, fear kicks in. They sell. They lock in the loss. And they swear off mutual funds forever.

A DALBAR study tracking US investor behaviour over 20 years found that the average equity fund investor earned significantly less than the market index – primarily due to poor timing of entry and exit decisions.

2. No Investment Horizon in Mind

Ask yourself, when did you plan to use this money? If the answer is “not sure,” that’s a problem.

Equity mutual funds need at least 5 years to smooth out market volatility. Investors who put in money with a 1–2 year mindset and see flat or negative returns in year one often exit at exactly the wrong time.

Time Horizon	Suitable Fund Type
Under 1 year	Liquid or Overnight Funds
1 to 3 years	Short Duration Debt or Hybrid Funds
3 to 5 years	Balanced Advantage or Flexi Cap Funds
5 years and above	Equity, Mid Cap, or Small Cap Funds

Matching your fund to your timeline isn’t optional; it’s the foundation of avoiding mutual fund loss.

3. Wrong Fund for Your Risk Appetite

A retired person investing in a small-cap fund. A 25-year-old putting everything in a liquid fund. Both are making the same mistake, ignoring risk fit.

Small-cap funds can fall 40–50% in a bad year. If you can’t stomach that, you shouldn’t be in one. On the other side, if you have a 10-year horizon and stay in ultra-safe debt funds, you’re leaving serious returns on the table.

Before picking any scheme, be honest about two things:

How long can you stay invested without touching the money?
How much loss can you handle emotionally before you want out?

4. Stopping SIPs When Markets Fall

This is one of the costliest mistakes. A SIP (Systematic Investment Plan) works on rupee cost averaging; you buy more units when prices are low and fewer when prices are high. A falling market is actually when a SIP works best.

Investors who stopped their SIPs during the March 2020 COVID crash missed the recovery entirely. The Nifty 50 bounced back nearly double within 12 – 18 months from the bottom. Those who stayed invested saw some of the best SIP returns of the decade.

Pausing a SIP because mutual funds are down is like stopping a grocery run because vegetables are on sale.

5. Holding Too Many Funds

More funds don’t mean more diversification. Holding 12 large-cap funds from different AMCs still gives you mostly the same 50–100 stocks. The overlap is massive, and you’re just paying more in expense ratios with no added benefit.

A practical portfolio for most investors looks like this:

1 large-cap index fund (Nifty 50 or Nifty 100)
1 mid-cap or flexi-cap fund
1 debt or hybrid fund for stability

Clean, low-cost, and diversified across market segments without unnecessary overlap.

6. Ignoring Costs

Mutual fund expense ratios in India range from 0.1% (index funds) to over 2% (actively managed regular plans). That gap compounds heavily over 10–15 years.

On a ₹10 lakh investment growing at 12% annually:

At a 0.5% expense ratio – approx. ₹51.2 lakh after 15 years
At a 2% expense ratio – approx. ₹41.8 lakh after 15 years

That’s nearly ₹9.4 lakh lost purely to charges. Direct plans carry lower expense ratios than regular plans. If you’re investing through a distributor’s app, check whether you’re in a direct or regular plan.

Also, redeeming before 1 year triggers an exit load of 1% in most equity schemes. LTCG tax of 12.5% applies on gains above ₹1.25 lakh per year. These aren’t huge on their own, but they hurt when you’re already exiting at a bad time.

7. Chasing Last Year’s Returns

Fund ranking lists are published every year. The best performers always attract massive inflows. But top performers rarely repeat, sectors rotate, and market leadership changes.

Picking a fund because it gave 60% last year without asking why it gave 60% is one of the fastest ways to land with a mutual fund loss. That return may have come from a specific sector boom that has already played out.

8. Not Researching the Fund

The S&P SPIVA India Report has some pretty sobering numbers: 73% of those big-name, actively managed funds for the large caps just can’t seem to outdo their benchmarks over the course of a decade. Honestly, it’s like flipping a coin – if you pick a fund at random, you’ve got nearly a 2 in 3 shot of picking one that underperforms an ordinary index fund

Before you hand over your hard-earned cash to some fund manager, you probably should check a few things first

What’s the fund’s track record against its benchmark over the past 5 and 10 years? Any bragging rights or just a bunch of hype
Has the fund manager shown up to work in the past year or two…or has someone new taken the reins?
What’s the makeup of the top 10 holdings, and is the fund just socked away to a single sector?
And how much churning has the fund endured over the past 10 years – any wild swings in the standard deviation department?

That’s it – a quick 15 minutes on a platform like Value Research or Morningstar can save you a whole lot more than that down the line.

Why Are Mutual Funds Downright Now? Market Triggers Explained

Market Event	Which Funds Are Affected
RBI rate hike	Debt funds see NAV drop; long-duration funds hit hardest
FII selling	Mid and small-cap funds fall more sharply than large caps
Global recession fears	All equity funds impacted; international funds especially
Rupee falls vs dollar	Domestic equity funds mildly affected; US funds gain
High inflation data	Rate hike expectations push bond prices down

When you see mutual funds down across the board, it usually points to one of these triggers. These are macro events, and they pass.

How to Invest in Mutual Funds Through Pocketful

If you want to start investing in mutual funds the right way, Pocketful makes the entire process simple and structured. Here’s how you can get started:

Step 1: Create Your Account

The first step is to download the Pocketful app and sign up. The registration process is quick and takes only a few minutes.

Enter your mobile number and verify with OTP
Set your login credentials
Access your personal dashboard

Step 2: Complete Your KYC

KYC is mandatory before you can invest in any mutual fund in India. On Pocketful, the entire KYC process is online and paperless.

Add your PAN and Aadhaar details
Enter your bank account information
Complete the verification process

Step 3: Select a Mutual Fund

Once your account is ready, you can browse mutual funds based on your goal, risk appetite, and investment horizon. Pocketful lists funds across all major categories.

Choose from equity, debt, hybrid, or index funds
Filter by AMC, fund rating, or past performance
Compare expense ratios before finalising

Step 4: Start Your SIP or Lump Sum Investment

Decide how you want to invest – through a monthly SIP or a one-time lump sum. SIPs can be started with as little as ₹100 per month.

Set your SIP amount and date
Choose the fund and confirm your investment
Track your SIP performance directly from the dashboard

Pocketful gives you access to direct mutual fund plans with zero commission, so your expense ratio stays low and more of your money stays invested.

Conclusion

The market dips, NAVs fall, and mutual fund down headlines start appearing; that’s always been part of investing in equities. But the investors who end up with a real, permanent mutual fund loss are usually those who reacted to the noise instead of sticking to a plan. Whether it’s wrong timing, mismatched funds, or ignoring costs, every mistake on this list is avoidable. Know why mutual funds are going down before you act on it. More often than not, the right move is to stay put.

Ready to start investing the smarter way? Invest in mutual funds with Pocketful, zero commission on mutual fund investing, so every rupee you put in works harder for you.

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Frequently Asked Questions (FAQs)

Why are mutual funds going down recently?
Mutual funds usually take a hit when stock markets start to plummet. Its been pretty obvious that things like the cost of living going up, the state of the world getting more uncertain, the central banks raising interest rates, and foreign investors cashing out can all have an impact on how well your fund is performing.
Why are all mutual funds going down today?
If the overall market declines sharply, many equity mutual funds may fall together. This happens because most funds are connected to market performance directly or indirectly.
Is mutual fund loss permanent?
Not always. Many losses are temporary and depend on market conditions. A loss becomes permanent only when investors sell their units at a lower price.
Should I stop my SIP when mutual funds are down?
Stopping SIPs during market corrections may not be a good decision for long-term investors. Continuing SIPs can help average the purchase cost over time.
How can I reduce mutual fund loss?
You can help reduce the risk byNot panicking and just looking to long term gainsSpreading your portfolio out so its not all in one placeChoosing the right funds for your level of riskNot making any rash decisions during the really volatile times
Are Mutual Funds Safe for Beginners?
Mutual Funds can be a pretty good starting point for beginners if they pick funds that are based on their own financial goals and risk tolerance. A lot of new investors start off with large-cap or hybrid funds because they tend not to be too unpredictable

June 6, 2026

How to Bid for an IPO in India (2026)

Whenever a new company enters the stock market and gets itself listed, it becomes very popular among the investors. Investors generally find the IPO application process confusing; therefore, understanding the IPO bidding process is essential before making any IPO application and increasing the chances of successful allotment.

In today’s blog post, we will give you an overview of IPO bidding, along with the steps on how to bid for an IPO.

What is IPO Bidding?

IPO bidding is a mechanism or process through which an investor applies for shares in an Initial Public Offering (IPO). They place bids by mentioning the quantity of shares to apply for, along with the price. During the IPO, the company provides a price band or price range within which the applicant can apply.

Key Feature of IPO Bidding

The key features of IPO bidding are as follows:

Lot Size: The IPO bidding can be placed in lots or fixed quantities defined by the companies during the IPO. Investors cannot apply for a random number of shares and can only bid in lots, and the minimum bid can be for at least one lot.
ASBA Process: ASBA or an application supported by a blocked amount is the only process through which an investor can apply for an IPO. In this process, the amount is blocked in the investor’s bank account until the completion of the allotment process.
Price Band: In the IPO process, the company announces a minimum and maximum price band, and investors can place bids within that range.
Category of Investors: IPO bidding is divided into different categories of investor groups, such as retail individual investors, non-institutional investors, etc. However, each category of investor has a reserved portion in the IPO.

How Does IPO Bidding Work

The steps of the IPO bidding process are as follows:

Announcement of IPO: Whenever the companies plan to raise funds from the public, they announce an IPO in which details such as market lot, price band, etc. are given.
Placing Bids: Investors can apply for the IPO through their broker’s platform through ASBA. For this, an investor is required to choose the quantity and price at which they want to invest.
Blocking Amount: The amount of the application is blocked in the bank account of the investor through the ASBA process. The amount will be deducted from the account only upon the allotment of shares; otherwise, it will be refunded.
Allotment of Shares: Once the entire allotment process is completed, the successful bidder will get the shares based on the subscription. If the IPO is oversubscribed, shares are allotted on the basis of a lottery system, whereas if the IPO is undersubscribed, every applicant gets the shares.
Listing of Shares: This is the last step in the entire IPO bidding process. Once the allotment is completed, shares are listed on the stock exchanges.

How to Bid for IPO

To bid for an IPO, one can follow the steps mentioned below:

Open a Demat and Trading Account: To apply for an IPO, one is required to have a demat and trading account. Pocketful offers you an opportunity to open a lifetime free demat and trading account and execute zero brokerage delivery trades.
Identify the IPO: Then, the next step is to identify the IPO in which one wishes to invest. The selection of IPO will be based on various parameters such as the objective of the issue, price band, company fundamentals, etc.
Log in to the Mobile Application: After you select the IPO, you need to log in to the mobile application provided by your broker, visit the IPO section and choose the IPO in which you wish to apply.
Enter Details: Once the IPO is selected, you need to select the category of investor, enter the desired quantity or market lot, and choose the bidding price.
Payment: After entering the details, you need to enter the UPI ID and make the payment. Once the payment is made, the amount will be blocked in your bank account through ASBA, commonly known as application supported by blocked amount.

Types of Bid Price in IPO

The two main types of IPO bids are as follows:

Cut-Off Price: This is the price at which the investor agrees to buy the shares at the final issue price, which is decided by the company after the bidding process is completed. This method of bidding is commonly used by retail investors as it increases the chance of their allotment.
Specific Price: In the specific price of bidding, the investor enters a specific price within the price band of the IPO. An investor in the specific price bidding process will receive the shares only when the final issue price decided by the company is equal or less than the bidding price. This method is generally useful for the investor who has strong market analysis.

Factors to Consider before IPO Bidding

The key factors which an investor should consider before IPO bidding are as follows:

Business Model of Company: The company’s business model plays a key role in deciding the company’s performance for IPO. If the company has a long and sustainable business model, it is expected to perform well in the long-run.
Financial Performance: The financial performance of a company, such as profit, revenue, etc., must be evaluated before making any investment in an IPO. One should conduct detailed research about the company’s financials and should opt for companies having consistent and growing profit margins, etc.
Valuation of IPO: Before opting for investing in an IPO, an investor is required to check its valuation with other listed companies of the same industry. An overvalued or expensive IPO may contain a higher risk after listing.
Objective of IPO: One must look for the objective of the company’s issue. The common objective of the company’s IPO issue is business expansion, debt repayment, and meeting the requirements of working capital.

Mistakes to Avoid During IPO Bidding

The key mistakes which an investor should avoid during the IPO bidding process are as follows:

Account Balance: IPO bidding is completed through the ASBA process, in which funds are blocked in your bank account. Therefore, if the investor is applying for an IPO, they must maintain a sufficient balance in their respective bank account.
Short-term Gains: Commonly, there is a certain category of investor who generally invests in an IPO only for the listing gains. However, one must understand that not every IPO delivers strong listing gains. Hence, one must analyse IPO for both long-term and short-term strategies.
Following Rumours: There are certain IPOs which can be overhyped on social media, and any unofficial tips related to such IPOs can cause significant loss for the investors.
Ignoring Market Conditions: If the market conditions are not favourable, then there are high chances that even good IPOs can also perform poorly. Therefore, one should consider broader market conditions before investing.

Conclusion

On a concluding note, bidding for an IPO is a simple process once you understand it. It requires checking the company’s fundamentals, the correct price for bidding, blocking funds using ASBA, etc. However, applying for an IPO using the correct bidding process does not always guarantee profit; an investor should focus on the company’s fundamentals, the objective of the IPO, etc. An investor must avoid common mistakes before applying for an IPO. And it is advisable to consult your investment advisor before making any investment in an IPO.

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Frequently Asked Questions (FAQs)

What is the cut-off price in an IPO application?
The cut-off price is the price at which an investor agrees to buy a share at the final issue price, which is decided by the company after the IPO bidding process is closed.
What is ASBA in an IPO?
ASBA is often known as Application Supported by Blocked Amount. It is a system in which the IPO amount remains blocked in the investor’s bank account until the shares are allotted to them.
What is the difference between the cut-off and bid price in an IPO?
A bid price is a specific price chosen by an investor within the price band. Whereas the cut-off price is a price which is accepted by the investor after the IPO final price is issued by the company.
What is the price band in an IPO?
A price band is a range of prices that includes a minimum and a maximum price between which an investor can apply for the IPO.
How can I apply for an IPO?
To apply for an IPO, you are required to have a demat and trading account. Pocketful offers you an opportunity to open a lifetime free demat account with zero brokerage on delivery trades. Using Pocketful’s mobile application, you can easily apply for the IPO.

June 5, 2026

How to Check IPO Allotment Status

You applied for an IPO. Now, you are waiting to find out if you got the shares. This is what basically refers to the IPO allotment status. The process of checking is very simple, and you will get all the updates. But the question is, how can you do so? Well, if you are new to trading and investing, read this to know the details.

What is IPO Allotment?

IPO allotment is the process by which shares of a company going public are distributed among investors. It is given on a certain basis to the people who actually applied for the shares during the subscription window.

Once the IPO subscription period closes, the registrar collects all valid applications. After that, it determines who receives shares and how many.

Now, there are usually two situations that happen:

Oversubscription: This means more investors applied than there are shares available. In this case, the allotment is decided through a computerised lottery or on a proportionate basis.
Undersubscription: The IPO is not fully subscribed, meaning there are more shares available than demand. This means all applicants typically receive the shares they applied for.

The entire allotment process is governed by SEBI’s ICDR Regulations, which ensure a fair, transparent, and randomised distribution of shares.

What is IPO Allotment Status?

IPO allotment status is simply the process of checking whether you are allotted the shares or not. This will help you know the number of shares allotted and their value.

Once the registrar finalises the Basis of Allotment (BOA), the allotment status becomes publicly available. This is where the investors can check it using their PAN number, application number, or DP/Client ID.

When is IPO Allotment Status Declared?

IPO allotment status is usually declared 1 to 2 working days after the IPO subscription closes. The exact timeline will be based on the registrar. But this is an average timeline that you would see for most of the IPOs.

Now, this is how the work is carried on:

Day 1 to 3: IPO subscription window is open.
Day 4 to 5: Application data sent to the registrar for validation.
Day 6: Basis of Allotment finalised; allotment status goes live.
Day 7: Shares credited to the Demat accounts of successful applicants. At the same time, the refunds are initiated for unsuccessful ones.
Day 8 to 9: Listing on stock exchanges.

Different registrars publish allotment results at different times of the day. Bigshare typically updates results around 7 PM, K Fintech around 11 PM, and MUFG Intime (formerly Link Intime) around 11:30 PM on allotment day.

Documents / Details Required to Check IPO Allotment Status

Now, when you are planning to check the allotment status, you will need to have some documents. These include:

PAN Number (most commonly used).
IPO Application Number (found on your ASBA bank receipt or UPI mandate).
DP ID / Client ID (your Demat account details).
Bank Account Number with IFSC (accepted by some registrars).

How to Check IPO Allotment Status: All Methods

There are four primary ways to check your IPO allotment status online. Each method is equally valid.

Method 1: Check IPO Allotment Status on the Registrar’s Website

Visit the official website of the registrar handling your IPO. The common ones in India are:
1. KFintech (formerly Karvy)
2. MUFG Intime (Link Intime)
3. Bigshare Services
4. Cameo Corporate Services
Look for the “IPO Allotment Status” section on the homepage.
Select the IPO name from the dropdown menu.
Choose your preferred search option: PAN Number, Application Number, or DP/Client ID.
Enter the required details carefully.
Click on “Submit” or “Search.”
Your allotment status will be displayed on screen, showing whether shares were allotted, and if so, how many.

Pro tip: If your PAN search returns “application not found,” try searching with your application number instead. Technical delays on registrar portals are common on allotment day due to high traffic.

Method 2: Check IPO Allotment Status on BSE

Visit the BSE official website.
Navigate to the “Investors” section and click on “Application Status / IPO Allotment.”
Select the IPO name from the dropdown list.
Enter your application number or PAN number in the field provided.
Complete the captcha verification if prompted.
Click on “Search.”
Your allotment details will appear on screen.

Method 3: Check IPO Allotment Status on NSE

Visit the NSE IPO verification page.
Select “Equity and SME IPO Bid Details” or “Debt IPO Bid Details” depending on your application type.
Choose the IPO name from the available options.
Enter your PAN number or application number.
Click “Get Data” or “Submit.”
Your bid and allotment information will be displayed.

Method 4: Check IPO Allotment Status on the Pocketful App

Log in to your Pocketful account on the app or web platform.
Navigate to the IPO section from the main menu.
Go to “Applied IPOs” or “IPO Status.”
Select the IPO for which you want to check the allotment.
Your allotment status, number of shares allotted, and refund details will be displayed directly within the app.

Pocketful makes IPO tracking seamless by consolidating your application details, allotment results, and Demat credit updates in one place. You will also receive push notifications and alerts once your allotment status is updated.

What Happens After IPO Allotment?

Once the allotment is finalised, here is what happens next.

If you get the shares allotted, you will be able to find them in your demat account.
If the allotment is not done which means your application is rejected. You will get a refund. This can take 1-2 working days.

Why Was My IPO Not Allotted?

There are several common reasons why an IPO application might not receive allotment:

Reason	What It Means
Oversubscription	More investors applied than the shares available, so allotment was done through a lottery system.
Invalid Application	Incorrect PAN, wrong bank details, or multiple applications using the same PAN can lead to rejection.
Insufficient Funds	The required amount was not available in the bank account for ASBA blocking.
UPI Mandate Not Approved	The UPI mandate was not approved within the given time limit.
Bid Below Cut-Off Price	The bid price was lower than the required cut-off price, making the application invalid in certain categories.

Tips to Improve Your Chances of IPO Allotment

While allotment in oversubscribed IPOs depends on luck in the retail category, here are a few strategies that may help:

Apply through multiple eligible family members to improve overall allotment chances, as each PAN is treated separately.
Apply only for the minimum lot size in the retail category, since smaller applications often have a better allotment probability in oversubscribed IPOs.
Use the ASBA facility through your bank to avoid payment or fund-blocking issues.
Recheck all details carefully before submitting.
Submit the IPO application early to avoid last-minute server issues or delays.

IPO: An Initial Public Offering is the process by which a company goes public. It offers shares to the people and raises capital.
ASBA: Application Supported by Blocked Amount is a payment system. In this, the IPO amount remains blocked in your bank account until allotment is completed.
Basis of Allotment: An official document released by the registrar. This shows how IPO shares were distributed among different investor categories.
Cut-Off Price: The final issue price at which shares are allotted to retail investors who apply at the cut-off option.
Lot Size: The minimum number of shares an investor must apply for in an IPO application.

Conclusion

Checking your IPO allotment status is simple. But it is only when you know where to look. You can use the registrar’s portal, BSE, NSE, or your broker’s platform, all of which provide real-time results after the allotment is declared. But if you are a beginner, looking for investing support, use Pocketful, where you can open a lifetime free demat account and trade without paying any brokerage on delivery based trades.

Frequently Asked Questions (FAQs)

What is IPO allotment status?
IPO allotment status refers to the outcome of your IPO application. It confirms whether you have been allotted shares or not.
How to check IPO allotment status?
You can check IPO allotment status through four main channels. These are the IPO registrar’s official website, the BSE website, the NSE website, or directly through your broker’s platform. You will need your PAN number, application number, or DP/Client ID to proceed.
When is IPO allotment status declared?
IPO allotment status is typically declared 1 to 2 working days after the IPO subscription period closes. The exact date is announced in the IPO prospectus. It is also available on the registrar’s website.
What happens if I do not get IPO allotment?
If you do not receive an allotment, the funds blocked in your account through ASBA will be automatically unblocked within 2 to 3 working days. No manual action is required from your end.
Can I check IPO allotment status using my Demat account details?
Yes. Most registrar portals and broker platforms allow you to check allotment status using your DP ID and Client ID, which together form your Demat account number, in addition to PAN and application number.

June 5, 2026

How to Open an LLP Demat Account in India: Documents & Process

Limited Liability Partnerships (LLPs) are quite common in India. They offer flexibility along with limited liability protection. As more LLPs explore market investments, opening a dedicated Demat account becomes essential.

A Demat account allows an LLP to hold and trade securities. This includes the options like stocks, bonds, ETFs, and mutual funds in electronic form. It helps maintain transparency, simplifies tracking, and keeps business investments separate from personal finances.

This guide covers the complete process of opening an LLP Demat account with Pocketful, along with the required documents.

Why Does An LLP Need A Demat Account

An LLP can invest in financial markets, but the ownership of those investments must sit with the firm, not the partners. This is where a Demat account becomes essential. It ensures that every transaction, holding, and return is recorded under the LLP’s name, keeping financials clean and compliant.

A dedicated Demat account allows the LLP to:

Hold shares, bonds, ETFs, and government securities directly in the firm’s name.
Participate in IPOs, rights issues, and other corporate actions without dependency on individuals.
Invest surplus fund in the market.
Ensure better tracking and management.
Track personal and business investments separately.
Allows for simplification of audits and taxation.
Build a structured investment portfolio aligned with the LLP’s financial goals.

Without a separate Demat account, managing investments at the firm level becomes unclear and difficult to track over time.

Eligibility To Open An LLP Demat Account

Before opening a Demat account, the LLP must meet a few basic regulatory conditions. These ensure that the entity is valid, traceable, and compliant from a financial and legal standpoint.

The LLP should:

Be registered under the Limited Liability Partnership Act, 2008
Have an active PAN issued in the name of the LLP
Be compliant with MCA filings, including annual returns and financial statements
Have a valid registered address with supporting proof

In addition to firm-level eligibility, all designated partners must complete their individual KYC. This is a mandatory step, as partners are responsible for operating and authorising transactions on behalf of the LLP.

Read Also: What is Corporate Demat Account?

Documents Required To Open An LLP Demat Account

When you apply for the LLP demat account, having proper documents is a must to avoid delays. These are at low levels, which are shared below.

Firm Level Documents

Document	Details
LLP PAN Card	Used for tax identification and must match the LLP name exactly
Certificate Of Incorporation	Proof of legal existence issued at the time of registration
LLP Agreement	Defines partner roles, responsibilities, and contribution structure
Address Proof	Bank statement or utility bill not older than 3 months
Financials	Last 2 years, audited balance sheet or CA-certified net worth certificate
Board Resolution	Authorises account opening and clearly names authorised signatories
List Of Designated Partners	On LLP letterhead with names and details
List Of Authorised Signatories	Required if different from designated partners
Contribution Pattern	Shows the capital contribution of each partner

Partner Level Documents

Document	Details
PAN Card	Mandatory for identity verification
Aadhaar Card	Used for KYC and address validation
Photograph	Recent passport-size photo
Signature	Scanned or physical as required for verification

Tip: Ensure all documents are self-attested. Firm documents should also carry the LLP seal where applicable.

Steps To Open An LLP Demat Account

Opening a Demat account for an LLP has some additional steps. The process is structured. All you need to do is ensure that the verification completes in time. The steps to follow are:

Step 1: Contact The Broker Or Depository Participant

Begin by reaching out to the broker or depository participant for a non-individual account opening request. LLP Demat accounts usually require a separate onboarding process, so direct coordination with the support or onboarding team is generally needed.

Step 2: Prepare And Verify Documents

Collect all firm and partner documents. Ensure that this is as per the checklist. Ensure names, addresses, and signatures match across all records to avoid delays during verification.

Step 3: Submit The Application

Fill out the account opening form and submit it along with supporting documents. This may be done digitally or through an assisted process, depending on the case.

Step 4: Complete In-Person Verification

IPV is mandatory for LLP accounts. This can be done through a video call or physical verification. The authorised signatory must be present with the original documents.

Step 5: Complete Partner KYC

Each designated partner must complete individual KYC. This includes PAN verification, Aadhaar validation, and identity confirmation as per regulatory requirements.

Step 6: Account Activation

Once all checks are completed, the account is activated. Login credentials and trading access are shared, allowing the LLP to start investing.

Tips To Avoid Rejection

Most LLP Demat account applications get delayed due to small errors. A careful review before submission can help you avoid rejection and speed up approval. Some of the tips to follow are:

Ensure the LLP name is correct on all the documents, like PAN, incorporation certificate, and bank records.
Ensure the details of the partners are correct.
Check the names and rest details before applying.
Draft the Board Resolution clearly.
Have authorised signatories and their roles defined.
Ensure proofs are the latest and no longer than 3-6 months old.
Submit clear, readable document scans without cuts or blur.
Sign and stamp all required documents properly before submission.
Complete KYC for all designated partners without leaving any pending steps.

Conclusion

Opening a Demat account for an LLP is more about getting the basics right than dealing with a complex process. Once your documents are in order and partner KYC is complete, the rest moves smoothly.

With Pocketful, the process is guided and structured, making it easier for LLPs to start investing without confusion. From equities to ETFs and beyond, your firm can build and manage its portfolio with clarity and control.

If you are planning to put your business funds to work, this is the first step. Get started with Pocketful and set up your LLP Demat account today.

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10	BSDA – What is a Basic Service Demat Account?

Frequently Asked Questions (FAQs)

Can An LLP Open A Demat Account In India?
Yes, an LLP is treated as a separate legal entity and can open a Demat account in its own name. The account must be linked to the LLP’s PAN, and all designated partners are required to complete KYC as part of the process.
How Many Partners Need To Complete KYC?
All designated partners must complete individual KYC. These partners are responsible for authorising and operating the account, even if only a few are assigned as signatories in the Board Resolution.
Is A Board Resolution Mandatory For Opening The Account?
Yes, a Board Resolution is a mandatory document. It formally authorises the LLP to open a Demat account and clearly defines who can operate it on behalf of the firm.
What If The LLP Does Not Have Financial Statements?
If the LLP is newly formed and does not have audited financials, a net worth certificate issued by a Chartered Accountant can be submitted instead.
Can An LLP Trade In F And O Segments?
Yes, once the account is activated, an LLP can trade in equity delivery, intraday, and derivatives. This depends on the segments enabled and regulatory requirements.

June 4, 2026

Forex vs Stock Market: Key Differences

When comparing the forex vs stock market, the real question is not just returns but how each market works for you. Forex is the largest and most liquid market and operates on longer hours.

Stocks, on the other hand, are tied to company performance. These are often preferred for steady growth. So, which market is best for trading?

Forex are usually good for short-term opportunities but stocks are for long-term wealth building. Understanding the difference between forex and stock market is not optional. It is the first step to choosing the right strategy instead of chasing quick profits.

Difference Between Forex And Stock Market

When you look at forex vs stocks, the confusion usually comes from one thing. Both look similar on the surface, but they behave very differently once you start trading. So instead of just listing points, let’s break the difference between forex and stock market in a way that actually helps you decide.

Forex Vs Stock Market Quick Comparison

Factor	Forex Market	Stock Market
What You Trade	Currency pairs which include INR pairs like USD-INR or EUR-INR, and Cross pairs like EUR-USD, GBP-USD, ot USD-JPY	Company shares
Core Idea	Exchange value between currencies	Ownership in businesses
Market Timing	INR pairs: 9AM-5PM ISTCross: 9AM-7:30PM IST	9:15AM-3:30PM IST
Liquidity	Extremely high	High in large caps, lower in others
Volatility	Fast and frequent	Slower, event-driven
Leverage	Up to 1:20 (RBI limits)	1:5 intraday (SEBI)
Best Use	Short-term trading	Both trading and investing
Regulation	RBI/SEBI, no speculative abroad	SEBI fully regulated

1. Meaning And Core Idea

Forex trading is about exchanging currencies in pairs like USD/INR or EUR/USD. When you take a position, you are betting on the relative strength of one economy against another. There is no asset ownership here, only price movement.

Stock trading works differently. You buy shares of a company and become a partial owner. Your returns depend on how that business performs over time, along with market sentiment.

This makes the difference between forex and stock market very clear. Forex is macro-driven, while stocks are business-driven.

2. Regulations And Conditions

Forex trading in India is tightly controlled by Reserve Bank of India and Securities and Exchange Board of India. You can only trade specific currency pairs on recognised exchanges, and international speculative trading is restricted. This limits exposure but also reduces misuse.

Stock markets are fully regulated by Securities and Exchange Board of India, with a broader and more transparent framework. Investors have access to a wide range of companies without such restrictions.

So in forex vs stocks, stocks offer easier access, while forex comes with tighter boundaries.

3. Timings And Asset Options

Forex trading offers extended hours because currency markets operate globally. In India, you can trade INR pairs during the day and cross pairs into the evening. This flexibility allows you to participate even outside standard market hours.

Stock markets operate within fixed timings, typically 9:15 AM to 3:30 PM IST. While this limits flexibility, it also creates discipline. It reduces the need for constant monitoring.

In terms of options, forex mainly focuses on currency pairs. Stocks offer a wider universe, including companies across sectors, indices, and ETFs.

4. Risk And Volatility

Forex markets react quickly to global economic changes. There are impact of small things such as interest rates, inflation data, or geopolitical events. This results in frequent price movements. This can create opportunities but also increase the chance of sudden losses.

Stock prices are influenced by company performance mainly. Other factors that impact are the earnings reports and industry trends. While volatility exists, especially in smaller stocks, large-cap stocks tend to move in a more stable and predictable manner.

In the forex vs stock market comparison, forex demands faster decisions, while stocks allow more time to analyse.

5. Liquidity And Leverage

Forex is the most liquid market globally. This means trades can be executed quickly without major price changes. This is especially true for major currency pairs, where volumes are consistently high.

Stocks vary in liquidity. Large-cap stocks are easy to trade, but smaller stocks may have lower volumes, which can impact entry and exit prices.

Forex also offers higher leverage compared to stocks. This allows traders to take larger positions with less capital, but it also increases the risk of amplified losses.

6. Trading Strategies

Forex trading is primarily used for short-term strategies. Traders focus on intraday, scalping, and swing trading to capture small but frequent price movements. This requires active monitoring and quick execution.

Stock trading is more flexible. You can trade short-term or invest long-term based on company fundamentals. Many investors use stocks for wealth creation through compounding over time.

This is a key distinction in forex vs stocks. Forex is suited for active trading, while stocks support both trading and long-term investing.

Which Market Is Best For Trading

The forex vs stocks decision becomes clear when you match each market with how it actually works in practice. Here is a clean breakdown without overcomplication.

Stocks Are Better When

Long-term wealth creation is a priority along with trading
Returns should not depend entirely on perfect timing
Fewer, well-planned trades are preferred over frequent activity
Lower risk is important due to limited leverage
Limited time is available to track markets daily
Investment is based on real businesses and earnings growth

Forex Is Better When

Focus is on short-term trading and quick price movements
Fast decision-making and active participation are comfortable
Markets can be tracked consistently for longer hours
High leverage and its risks are clearly understood
Frequent trades and intraday strategies are preferred
No reliance on long-term holding or compounding

Final Answer

Stocks suit most traders because they combine growth, flexibility, and controlled risk
Forex suits a smaller group of traders who are comfortable with speed, discipline, and high-risk execution

How To Invest In Stock Market

The process for trading and investing in the stock market is simple. The difference depends on your goals, risk appetite, and investment horizon.

Step 1. Open A Trading & Demat Account

Open a trading and Demat account with a broker like Pocketful. This gives access to invest and trade in the stock market.

Step 2. Complete KYC

Complete KYC by submitting PAN, Aadhaar, and bank details. Once verified, your account becomes active and ready for trading.

Step 3. Add Funds

Transfer funds to your trading account. The same capital is used in both markets, but its role changes based on what you choose next.

Step 4. Choose The Market

Choose investing if your focus is long-term wealth creation through quality companies.
Choose trading if your focus is on short-term price movements and market opportunities.

Step 5. Place The Trade

Execute a buy or sell order based on your strategy. Stocks can be held or traded depending on your plan, while currency trades are usually margin-based and shorter in duration.

Step 6. Track And Exit

Monitor your portfolio and positions regularly. Exit based on your financial goals, target price, or risk management strategy.

Read Also: ETF vs Index Fund: Key Differences

Conclusion

The forex vs stocks choice comes down to how returns are generated and how much control you have over time and risk. Stocks allow participation in business growth. Forex depends entirely on price movement.

For most traders, stocks offer a more balanced path with flexibility and long-term potential. Forex fits better when the focus is on short-term trading with active monitoring.

To get started, open your account with Pocketful. Then explore both segments to understand which is better for you. Build your approach and strategies based on your trading style and start building your portfolio.

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Frequently Asked Questions (FAQs)

Which market is better for trading, forex or stocks?
Stocks are better for most traders because they offer both growth and flexibility. Forex is suited for short-term trading with higher risk and faster execution.
Can beginners start with forex trading?
Yes, beginners can do forex trading. But stocks are usually easier to understand and manage. Forex requires strong discipline and quick decision-making.
Is forex trading riskier than stock trading?
Forex can be riskier due to higher leverage and faster price movements. Stocks generally offer more controlled risk in long-term investing.
Is long-term investing possible in forex?
No, forex is mainly used for short-term trading. Currencies do not grow like businesses, so long-term compounding does not apply.
Can both forex and stock trading be done together?
Yes, both can be accessed through a single trading account if the broker supports multiple segments.

June 4, 2026

CMR Green Technologies IPO Allotment Status: Check Latest GMP, Steps to Verify Status

CMR Green Technologies IPO Day 3 Subscription Status

On Day 3, CMR Green Technologies. IPO witnessed a strong investor turnout, closing with an overall subscription of 2.31 times. The QIB category led the demand, The Qualified Institutional Buyers (QIB) 270.46 times subscription Overall, indicating solid institutional participation. Among Non-Institutional Investors (NII), the bNII (above ₹10 lakh) portion was subscribed 187.21 times, while the sNII (less than ₹10 lakh) segment saw 142.42 times subscription. The Retail Individual Investors (RII) category was subscribed 26.90, reflecting healthy retail interest. The Total NII Subscription among second Highest with 172.28, the issue garnered 33,59,866 applications, with total bids amounting to approximately 56,173.51 crore, showcasing strong confidence across investor categories in the company’s growth potential.

Investor Category	Subscription (x)
Qualified Institutional Buyers (QIB)	270.46
Non-Institutional Investors (NII)	172.28
bNII (above ₹10 lakh)	187.21
sNII (less than ₹10 lakh)	142.42
Retail Individual Investors (RII)	26.90
Total Subscriptions	126.96

Total Applications: 33,59,866

Total Bid Amount (₹ Crores): 56,173.51

How to Check CMR Green Technologies IPO Allotment Status?

CMR Green Technologies IPO allotment can be easily checked online in two ways: from the Registrar’s website and from the BSE or NSE website. This IPO will be listed on both the exchanges – BSE and NSE, so the allotment status will be available to all investors on both platforms.

Method 1: Registrar’s website (KFin Technologies Limited)

The most reliable way is to check allotment from the KFin Technologies Limited website.

How to do:

Visit KFin Technologies Limited official website
Select “CMR Green Technologies” from the IPO list
Enter your details PAN number, Application number, or DP/Client ID
Click on Submit
You will see the allotment status on the screen.

Method 2: Check from BSE or NSE’s website

If there is more traffic on the registrar’s website, allotment status can also be checked from BSE or NSE.

How to do:

Visit BSE or NSE’s official website
Select ‘Equity’ segment
Select “CMR Green Technologies IPO” from the IPO list
Enter PAN number and Application number
Click on Search

Objective of the CMR Green Technologies IPO

For CMR Green Technologies IPO, the issue is a 100% Offer for Sale (OFS) with no fresh issue component. Therefore, the company will not receive any proceeds from the IPO. The entire proceeds of approximately ₹630.88 crore will be received by the selling shareholders after deducting applicable expenses and taxes.

Use of IPO Proceeds	Amount (₹ Cr)
Proceeds to be received by selling shareholders through Offer for Sale (OFS)	630.88

CMR Green Technologies – Day 1 Update

The grey market premium (GMP) of the CMR Green Technologies stands at ₹77 as of June 05, 2026 (Day 3). Considering the upper end of the price band at ₹192 per share, the estimated listing price is around ₹269, reflecting a potential gain of approximately 40.10% per share in the grey market.

Date	GMP	Est. Listing Price	Gain
05-06-2026 (Day 3)	₹77	₹269	40.10%

Disclaimer: The above GMP (Grey Market Premium) is just unofficial market information, which is not officially confirmed. These figures are shared for informational purposes only and investment decisions based on these should be based on the investor’s own research and discretion. We do not conduct, recommend or support any kind of transaction in the grey market.

CMR Green Technologies IPO – Key Details

Particulars	Details
IPO Opening Date	June 03, 2026
IPO Closing Date	June 05, 2026
Issue Price Band	₹182 to ₹192 per share
Total Issue Size	3,28,58,323 shares (aggregating up to ₹631 Cr)
Listing Platform	BSE, NSE
Registrar	KFin Technologies Limited
CMR Green Technologies	CMR Green Technologies

Important Dates for CMR Green Technologies IPO Allotment

Event	Date
Tentative Allotment	June 8, 2026
Refunds Initiation	June 9, 2026
Credit of Shares to Demat	June 9, 2026
Listing Date	June 10, 2026

Overview Of CMR Green Technologies

CMR Green Technologies Limited is one of India’s leading non-ferrous metal recycling companies, specializing in recycled aluminium alloys, zinc alloys, and other value-added metal products. The company primarily serves the automotive, engineering, and industrial sectors through its network of manufacturing facilities across India. By converting metal scrap into high-quality recycled products, CMR promotes sustainable manufacturing and supports the circular economy. With growing demand for lightweight automotive components and environmentally friendly materials, the company has established a strong presence in India’s aluminium recycling industry and continues to expand its market position.

Frequently Asked Questions (FAQs)

What is the opening and closing date of CMR Green Technologies IPO ?
CMR Green Technologies IPO is open on 03 June 2026 and will close on 05 June 2026.
What is the price band of the CMR Green Technologies IPO ?
Its price band is fixed from ₹182 to ₹192 per share.
What is the GMP (Grey Market Premium) of CMR Green Technologies IPO today?
The GMP on 05 June 2026 is ₹77, which leads to a possible listing price of ₹269.
What is the total issue size of CMR Green Technologies IPO?
The total issue size of the CMR Green Technologies IPO is ₹630.88 crore, The IPO is entirely an Offer for Sale (OFS) of 3.29 crore equity shares by existing shareholders, and therefore, the company will not receive any proceeds from the issue.
What is the expected listing date of CMR Green Technologies?
This IPO is expected to be listed on BSE and NSE on June 10, 2026.

June 3, 2026

Blog

Practical Tips for Investing in Mutual Funds for Beginners in India

What are Mutual Funds?

Why Invest in Mutual Funds?

Benefits of Mutual Funds

Who Should Invest?

Set Clear Financial Goals Before Investing

1. Short-Term vs Long-Term Goals

2. Goal-Based Investing Approach

Understand Your Risk Appetite

Types of Risk Profiles

Choose the Right Type of Mutual Fund

Invest Through SIP Instead of Lump Sum

What is SIP?

Benefits of SIP

Factors to Consider Before Choosing the Right Fund

Keep an Eye on Expense Ratio and Charges

Exit Load Explained

Avoid Common Mistakes

Conclusion

Frequently Asked Questions (FAQs)

Can I lose all my money in a mutual fund?

Is a SIP better than a one-time investment?

What happens if I stop my SIP for a few months?

How much tax do I have to pay on my profits?

Do I need a Demat account for mutual funds?

What is IPO Lock-In Period?

What is an IPO Lock-In Period?

Importance of IPO Lock-In Period

How does the IPO Lock-In Period work

Types of IPO Lock-In Period

1. Promoter Lock-In Period

2. Anchor Investor

3. Pre-IPO and Unlisted Shareholders

4. Significant Shareholders

5. Non-Promoter Pre-Issue

Lock-In Period for Retail Investors in an IPO

What happens when the IPO Lock-In Period Ends

Advantages of IPO Lock-In Period

Limitations of IPO Lock-In Period

Conclusion

Frequently Asked Questions (FAQs)

What is the IPO Lock-in period?

What is the duration of the IPO Lock-in period?

How do I know when I can sell my IPO shares?

Is there any lock-in period for retail investors investing in an IPO?

Do all the IPOs have a lock-in period?

Does the stock price always fall after the lock-in period is over?

NSE Extends F&O Trading Hours by 10 Minutes

NSE Extends F&O Trading Hours – What’s Changing?

Timings before and after August 3, 2026

Why Has NSE Extended Trading Hours?

What Is the Closing Auction Session (CAS)?

CAS Timings Explained

Key Rules Traders Should Know

Impact of New Rules on F&O Traders

Conclusion

Frequently Asked Questions (FAQs)

What is the new F&O market closing time on NSE?

What is a Closing Auction Session (CAS)?

When will CAS be implemented?

Will CAS apply to all NSE stocks?

What are the CAS session timings?

Can Stop Loss orders be placed during CAS?

How to Buy and Sell Bonds in India?

What Exactly Is a Bond?

Types of Bonds in India

Documents and Accounts You Need

How to Buy Bonds in India: 4 Ways to Do It

1. Through RBI Retail Direct

2. Through NSE or BSE

3. Through a SEBI-Registered OBPP

4. Through Your Bank

How to Buy Bonds in India: Step by Step

How to Sell Bonds Before Maturity

1. Selling on a Stock Exchange

2. Selling Through an OBPP

3. Selling G-Secs Through RBI Retail Direct

What Affects Bond Prices When You Sell

Tax on Bond Income