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  • Top 5 Wheat and Rice Companies Stocks in India

    Top 5 Wheat and Rice Companies Stocks in India

    India is predominantly known as an agricultural country because a significant number of people depend on agriculture for their livelihood. It is one of the largest producers of wheat and rice globally. But did you know there are many companies that are engaged in the production and distribution of rice and wheat globally, which provide investors an opportunity to invest in them and create wealth in the long run?

    In this blog, we will explore the top wheat and rice stocks in India, along with the benefits and key considerations, before investing in them.

    What are Wheat and Rice Stocks?

    The stocks of the listed or publicly traded companies that are engaged in the production, distribution, and export of wheat and rice are known as wheat and rice stocks. They are generally engaged in farming, storage, and distribution of rice and wheat. Investing in these stocks generally carries lower risk because any economic downturn has little to no impact on the demand and supply of wheat and rice. However, there are various other factors that can impact the profitability of these companies. 

    Top Wheat and Rice Stocks Based on Market Capitalization 

    1. Adani Wilmar Limited
    2. LT Foods Limited
    3. KRBL Limited
    4. Kaveri Seed Company Limited
    5. GRM Overseas Limited

    Market Information of Top Wheat and Rice Companies in India

    CompanyCurrent Market Price (in ₹)Market Capitalisation (in ₹ crores)52-Week High (in ₹)52-Week Low (in ₹)
    Adani Wilmar Limited25933,616404232
    LT Foods Limited38613,416452186
    KRBL Limited2786,355349241
    Kaveri Seed Company Limited1,2326,3371,376620
    GRM Overseas Limited2681,608289120
    (As of 28th March 2025)

    Best Wheat and Rice Stocks in India Based on Market Capitalization – An Overview

    A brief overview of the best wheat and rice stocks in India is given below:

    1. Adani Wilmar Limited

    Adani Wilmar is among the largest FMCG companies in India. It was established in 1999 as a joint venture between Adani Group and Willmar International, a Singapore-based agriculture company. Just after the year of its incorporation, the company launched Fortune edible oil, which became a popular edible oil among Indian consumers.

    Over the years, the company expanded its product basket to include wheat flour, rice, and pulses. Apart from edible oils, its product portfolio includes Fortune Chakki Fresh Atta, Fortune Biryani Classic, Kohinoor Authentic Basmati Rice, etc. The company launched its IPO in 2022. The company’s headquarters is situated in Ahmedabad.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -21.06%-39.28%13.66%
    (Data as of 28 March 2025)

    2. LT Foods Limited

    The history of LT Foods can be traced back to the 1940s when it began as a small grocery trading business. In 1977, Shri Raghunath Arora established a rice mill in Amritsar, which marked the company’s entry into the rice trading business.  In the 1980s, the company launched Daawat Basmati Rice, which established its presence in India.

    LT Foods Limited launched its IPO in 2006 and got itself listed on the Indian Stock Exchange. Today, it has a valuation of more than $1 billion. The company has its headquarters in Gurugram.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    102.20%100.71%100.71%
    (Data as of 28 March 2025)

    3. KRBL Limited

    KRBL Limited is India’s largest exporter of basmati rice and is well known for its rice brands like India Gate, Bemisal, etc. The company was founded by the Khushiram and Bihari Lal family in 1889. It initially started as a cotton-spinning business before dealing in edible oils, wheat, and rice. After the partition, the company relocated to Delhi. 

    To expand its business, the company is also engaged in renewable energy and has 112.24 MW power generation capacity, 17 MW solar power generation capacity and 17.59 MW biomass capacity. The company launched its IPO in 1996 and became a publicly traded company. The company’s headquarters is situated in Noida.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -3.10%23.76%135.93%
    (Data as of 28 March 2025)

    4. Kaveri Seed Company Limited

    The Kaveri Seed Company was founded by GV Bhaskar Rao in 1976 as a small seed production company. The company is primarily engaged in the development of hybrid and improved seeds for crops like wheat, rice, vegetables, etc. The company is known to provide rice seeds with a 15-20% higher yield than a normal seed, in addition to enhanced protection from pests.

    To expand its research and development capabilities, the company launched its IPO in 2010 and got itself listed on the Indian Stock Exchange. The company’s headquarters is situated in Hyderabad.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    101.93%132.75%297.47%
    (Data as of 28 March 2025)

    5. GRM Overseas Limited

    Initially, the business was founded as a small rice trading business in 1974. Later, in 1995, the company started exporting basmati rice to other countries of the world. For the domestic market, the company sells rice under the 10X brand, while for the international markets, the company is famous for its Himalaya River and Tanoush brands. Its 10X Classic Chakki Fresh Atta is also popular among Indian consumers. 

    The GRM Overseas launched its IPO in 2022 and became a publicly listed company. The company’s headquarters is situated in Panipat, Haryana.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    117.97%42.61%41.11%
    (Data as of 28 March 2025)

    Key Performance Indicators (KPIs)

    CompanyOperating Margin (%)Net Profit Margin (%)ROE (%)ROCE (%)Debt to Equity
    Adani Wilmar Limited2.070.331.7711.330.29
    LT Foods Limited10.737.0617.5921.240.16
    KRBL Limited15.2211.0612.2616.370.10
    Kaveri Seed Company Limited27.9526.1124.2324.930
    GRM Overseas Limited7.694.6218.1830.101.20
    (As of March 2024)

    Benefits of Investing in Wheat and Rice Stocks

    The major benefits of investing in Wheat and Rice stocks are as follows:

    • Demand: The demand for products like wheat and rice generally has consistent demand; due to this, the companies have relatively stable revenues.
    • Government Initiative: There are various government schemes that help companies engage in the production and distribution of wheat and rice.
    • Export-Oriented Business: India is one of the largest exporters of wheat and rice, and a trade agreement between the countries could positively impact the company’s performance.
    • No Impact in Economic Downturn: There is little to no impact of the downturn in the economy because commodities like rice and wheat are a necessity.
    • Diversification: Having agriculture stocks in your portfolio provides diversification, hence reducing the chances of losses.

    Read Also: Best Trading Apps in India

    Factors to be Considered Before Investing in Wheat and Rice Stocks

    The key factors that one should consider before investing in Wheat and Rice stocks are as follows:

    • Demand and Supply: The demand and supply of wheat and rice could impact the prices of commodities and the company’s profit margins.
    • Climate: Poor weather can negatively impact the revenue of the company, as wheat and rice are dependent on monsoons and other weather conditions.
    • Minimum Support Price: The government regulates the pricing of wheat and rice by deciding the MSP or Minimum Support Price, and any significant changes in prices could impact the company’s profit.
    • Financials: It is important to check the financial performance of the company before investing. A thorough analysis of the financial statements helps you judge the future prospects and the current financial position of the company.
    • Supply Chain: Any disruption in the supply chain can adversely impact the company’s revenue and profit. Hence, the supply chain and distribution network of the company also need to be considered before investing in rice and wheat companies.

    Future of Wheat and Rice Stocks in India

    The future of wheat and rice stocks is very promising in India, and because of an increase in demand, government support, and other export-related opportunities, this sector is expected to grow to $60.90 billion by 2030. India is one of the world’s leading exporters of rice, accounting for about 40% of the world’s total export. In 2024, India exported 17.8 million metric tons of rice, amounting to ₹862 billion. With the economy’s growth, the demand for rice and wheat will increase; hence, the revenues and profits of the companies will also increase.

    Read Also: Top 10 Option Trading Books in India

    Conclusion

    On a concluding note, investing in rice and wheat stocks provides an opportunity to participate in the industry, which is supported by the government through its various incentive schemes, such as MSP. This sector is a growth-oriented sector; hence, it is suitable for investors who wish to invest in companies that focus on exports. Along with this, the key benefit of investing in rice and wheat stocks is that their revenue is not impacted by any economic downturn as they deal in goods necessary for survival. However, there are various factors that need to be considered before investing in it, such as weather conditions, the company’s financial performance, etc. Therefore, it is advisable to consult your investment advisor before making any investment decision.

    Frequently Asked Questions (FAQs)

    1. How can I invest in rice and wheat stocks?

      You can easily invest in rice and wheat stocks by opening a demat account. Pocketful offers you an opportunity to open a free demat account, through which you can easily purchase rice and wheat stocks.

    2. What are some of the top rice and wheat stocks in India?

      The top rice and wheat stocks in India are Adani Wilmar Limited, LT Foods Limited, Kaveri Seeds Limited, KRBL Limited, etc., according to market capitalization.

    3. What are the major factors which can affect the performance of rice and wheat stocks?

      The significant factors that can affect the performance of companies engaged in the production and distribution of rice and wheat are the policies of the government, weather conditions, demand and supply, cost of production, etc.

    4. Are wheat and rice stocks defensive investments?

      Yes, investment in wheat and rice stocks is considered a defensive investment because the demand for these products remains constant even during the phases of economic downturn.

    5. How does the monsoon affect the rice and wheat stocks?

      The production of wheat and rice depends on the monsoon, as a good monsoon season increases the supply and reduces the price, whereas, on the other hand, a poor monsoon season can cause a shortage in supply and lead to a price increase.

  • Top 7 Lithium Mining Stocks to Watch in India for 2025

    Top 7 Lithium Mining Stocks to Watch in India for 2025

    Lithium has become a precious resource in today’s world due to its crucial role in powering electric vehicles, smartphones, and renewable energy storage systems. The demand for clean energy solutions is increasing, thereby increasing the demand for lithium. This is when the lithium mining stocks come into the picture. As the world shifts toward cleaner energy and electric vehicles, these stocks have become an attractive option for investors looking to capitalize on the growing lithium market. However, like any other investment, it carries its risks and rewards. 

    In this blog, we will discuss some of the top lithium mining stocks and why they have become a fascinating investment option these days.

    What are Lithium Mining Stocks?

    Lithium mining stocks are companies involved in exploring, extracting, and processing lithium and other key metals for batteries used in electric vehicles, renewable energy, storage, and consumer electronics. Investors are buying these stocks because they see a good investment opportunity in the growing need for lithium as the world shifts to clean energy and EVs. However, it is important to note that the stock performance of these companies depends on several factors, such as mining regulations, competition in the mining industry, global price fluctuations of lithium in the commodity market, etc.

    List of Top Lithium Mining Stocks Based on the Market Cap 

    S.NO.CompanyCurrent Market Price (In ₹)Market Capitalization (In ₹ Crores)52-Week High (In ₹)52-Week Low (In ₹)
    1Adani Enterprises2,3112,66,7833,7442,025
    2Vedanta4641,81,403527268
    3Shree Cement29,9161,07,94130,50023,500
    4NMDC67.459,30195.459.7
    5NALCO17932,931263147
    6Hindustan Copper22621,816416195
    7Amar Raja Energy & Mobility Ltd.1,04319,0901,776756
    (Data as of 26 March 2025)

    An overview of the lithium mining stocks is as follows:

    1. Adani Enterprises 

    Adani Enterprises Limited is the main company in the Adani Group, one of India’s largest conglomerates. Established in 1988, Adani Enterprises operates in energy infrastructure, logistics, agricultural business, and aerospace. It has played an important role in expanding the group’s presence in renewable energy, airport management, data centers and mining. Currently, the company is exploring opportunities in green hydrogen, electric mobility, and lithium-ion battery production. Adani Enterprises is committed to pursuing sustainable growth and making sure that its operations align with environmentally friendly practices. 

    In 2022, Adani announced a $70 billion investment in clean energy by 2030, a part of which can be used by the company to set up lithium-ion battery manufacturing plants in India.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -24.14%25.90%1,518.49%
    (Data as of 27 March 2025)

    Read Also: 7 Top Aluminium Stocks in India to Add to Your Portfolio

    2. Vedanta 

    Founded by Anil Agarwal in 2003, the company is located in Mumbai, India. Vedanta is an Indian multinational company that specializes in technology and natural resources. The company’s product line is vast and includes a range of natural resources, which shows its commitment to offering various options to meet different customer needs. They specialize in semiconductors, power, metals, oil and gas, etc. 

    It focuses on a ‘triple bottom line approach’, which takes into account things like social impact in environmental sustainability, along with generating revenue. The Vedanta group also consists of various associated businesses and subsidiaries. 

    In 2024, the top management of Vedanta was exploring lithium mining opportunities in Zambia and the Democratic Republic of Congo.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    74.51%15.44%587.09%
    (Data as of 27 March 2025)

    3. Shree Cement 

    Shree Cement Limited is recognized as one of the leading cement producers in India, having established a strong reputation and a market presence that reflects its strength and reliability within the country’s highly competitive cement sector. Founded in 1979, the business has grown significantly and become an important player in the building and materials industry. The company’s products for construction and infrastructure projects include clinker and cement. It is based in Kolkata, operates multiple cement plants in India and has expanded to the Asia-Pacific region. One of the most ecologically conscious cement manufacturers in the industry, the company has established a strong reputation for its commitment to sustainability. It is well known not only for its innovative and energy-efficient manufacturing methods but also for its efforts to minimize environmental impact throughout the production process. 

    While Shree Cement is not currently a lithium miner, it has expressed interest in entering the sector by bidding on newly discovered lithium blocks discovered in Jammu & Kashmir. 

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    17.91%30.07%71.08%
    (Data as of 27 March 2025)

    4. NMDC 

    The Ministry of Steel, the Government of India, owns the National Mineral Development Corporation, the largest iron ore producer in the country, and a Navratna public sector company. NMDC, founded in 1958, focuses on exploring and producing iron ore, as well as other minerals like limestone, magnesite, and diamond. NMDC is a Hyderabad-based company that operates major iron ore mines in Karnataka and Chhattisgarh. The company uses eco-friendly technologies in its operations so that it can stay committed to its objective of sustainable mining. NMDC contributes to India’s steel production by supplying high-quality iron ore to local steel manufacturers. 

    As of 2024, the company is actively pursuing the strategic acquisition of lithium blocks in Australia and Africa.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    0.92%30.42%186.41%
    (Data as of 27 March 2025)

    5. NALCO 

    National Aluminium Company Limited is a major public sector company under the Ministry of Mines, Government of India. Founded in 1981, Nalco has evolved and grown to become one of Asia’s leading integrated aluminium producers, showing its commitment to innovation and excellence in the industry. Over the decades, the company has expanded its operations and capabilities. The company is involved in bauxite mining, alumina refining, aluminium smelting, and power generation. NALCO aspires to become a key player in the aluminium industry, aiming for commercial success that will make a meaningful impact on sustainable development and contribute to national growth. Its mission is to increase shareholder value through innovation, operational efficiency, and responsible resource management.

    NALCO has been a key partner in India’s KABIL (Khanij Bidesh India Ltd.), a joint venture with Hindustan Copper and Mineral Exploration and Consultancy Ltd. (MECL). KABIL recently signed a landmark deal with CAMYEN SE for the exploration and mining of lithium in Argentina.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    17.49%47.45%511.97%
    (Data as of 27 March 2025)

    6. Hindustan Copper 

    Hindustan Copper Limited is a public sector company owned by the government of India. Its main office is in Kolkata, and its five major facilities are located in Jharkhand, Madhya Pradesh, Rajasthan, and Maharashtra. Founded in 1967, Hindustan Copper Ltd is India’s only fully integrated copper producer, which handles everything from mining and processing to smelting, refining and casting copper products. The company is doing important work in India by providing copper for defence, phones, and power infrastructure, helping Indian industries grow and perform well. 

    Hindustan Copper is a member of the KABIL, a joint venture with NALCO and MECL, which recently signed a historic agreement with an Argentine company for the exploration and mining of lithium.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -20.84%94.61%978.03%
    (Data as of 27 March 2025)

    7. Amar Raja Energy & Mobility 

    Amar Raja Energy & Mobility Ltd. is a leading manufacturer of lead acid batteries in India, fulfilling the means of automotive, industrial, and energy storage sectors.

    Founded in 1985 and initially based in Andhra Pradesh, the company has grown significantly over the years, earning a strong reputation in the market. It is well-known for its brand, Amaron, which has become synonymous with quality and reliability in the battery market. The company is venturing into lithium-ion battery production and exploring renewable energy storage solutions. The company invests in research and development to promote sustainability and innovation, aiding India’s transition to clean energy and electric mobility. 

    Recently, the company signed a strategic agreement with Ather Energy to develop LFP (Lithium Iron Phosphate), Lithium Ion, and other advanced batteries for Ather’s gigafactory in Telangana.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    32.77%86.89%124.00%
    (Data as of 27 March 2025)

    Read Also: List of Best Metal Stocks in India

    Key Performance Indicators 

    CompanyOperating Margin (%)Net Profit Margin (%)ROE (%)ROCE (%)Debt-to-Equity
    Adani Enterprises10.573.419.188.781.42
    Vedanta18.805.2413.7924.092.34
    Shree Cement15.6711.6711.5714.740.07
    NMDC39.0126.1421.7330.490.13
    NALCO18.0515.6613.8214.780
    Hindustan Copper24.8617.2212.9215.740.1
    Amar Raja Energy & Mobility 10.977.9813.7417.710.01
    (Data as of March 2024)

    Benefits of Investing in Lithium Mining Stocks 

    Investing in lithium mining stocks is beneficial due to the rising global demand for lithium. Some of the important benefits are mentioned below;

    • Growing demand for Lithium: Lithium is crucial for vehicle batteries, renewable energy storage, and consumer electronics. The increasing shift towards clean energy is driving up the demand for lithium. 
    • Long-term Growth Potential: Government policies supporting EV adoption and sustainable energy will boost growth for lithium mining companies in the long run. This push towards renewable energy sources will not only help in the evolution of the lithium market but also encourage further investments in the mining industry and technology innovations. 
    • Diversification: Investing in lithium stocks can add variety to your portfolio, especially if you want to benefit from the clean energy shift.
    • Possibility for High Returns: Investing early in companies looking to diversify their operations into lithium mining can give significant returns in the future.

    Read Also: 10 Best Copper Stocks in India 

    Risks of Investing in Lithium Mining Stocks 

    Investing in lithium mining stocks carries risks that investors should keep in mind beforehand. Some of the major risks are mentioned below;

    • Price Volatility: Supply & demand, inflation, currency fluctuations, and overall market trends play an important role in determining the price of lithium in the global market.
    • Operational & Production Risks: Mining operations frequently experience delays due to strict regulations. Companies often face issues like resource depletion, geological challenges, and bad weather.
    • Demand for EVs and Electronics: Lithium demand is generally linked to electric vehicles and battery storage markets. Any sort of slowdown in the adoption of EVs can impact the profitability of the company.

    Conclusion 

    To sum up, lithium mining stocks would be a good investment because of the move towards green energy. However, investors should do their research before investing. Reduce risk by analyzing the company’s financial performance and market position. Diversifying investments across various sectors can help reduce risks that are generally associated with fluctuations in lithium prices and demand. It is advised to consult a financial advisor before investing.

    Frequently Asked Questions 

    1. How do government regulations impact lithium mining?

      Yes, strict environmental laws and difficulty in getting mining licences can delay or pause ongoing projects. 

    2. What role do geopolitical factors play in lithium mining? 

      Lithium reserves are concentrated in politically sensitive regions, which increases supply chain risks. 

    3. Are small lithium mining companies riskier than large ones? 

      Yes, small companies often face funding challenges and operational difficulties, which makes them riskier investment options. 

    4. Why are lithium stocks closely linked to the EV market?

      The majority of lithium companies’ demand comes from electric vehicle batteries, making stocks vulnerable to EV market trends. 

    5. Why are lithium mining stocks considered risky?

      Lithium prices are volatile, and mining operations face environmental, regulatory, and geopolitical risks.

  • 7 Best Diagnostic Stocks in India 2025: Top Companies & Investment Guide

    7 Best Diagnostic Stocks in India 2025: Top Companies & Investment Guide

    Healthcare is one of the key and growing sectors of the Indian economy, as it significantly contributes to the country’s GDP. The diagnostic industry plays an important role in shaping this sector. With the rise of chronic disease and increasing health awareness, the diagnostic sector has witnessed a significant growth in the past few years. 

    In today’s blog post, we will give you an overview of the top diagnostic companies in India, along with the benefits and factors to be considered before investing in them.

    What are Diagnostic Stocks?

    Diagnostics stocks are the shares of companies that operate diagnostics and medical testing centers. They generally provide services such as preventive healthcare checkups, pathology, radiology, genetic testing, etc. These medical tests play a major role in diagnosing and monitoring diseases. 

    Top Diagnostic Stocks Based on Market Capitalization 

    1. Global Health Limited
    2. Dr. Lal Path Labs Limited
    3. Rainbow Children Medicare Limited
    4. Vijaya Diagnostic Center Limited
    5. Metropolis Healthcare Limited
    6. Thyrocare Technologies Limited
    7. Krsnaa Diagnostics Limited

    Market Information of Top Diagnostic Stocks in India

    CompanyCurrent Market Price (₹)Market Capitalisation (in ₹ Crores)52-Week High (₹)52-Week Low (₹)
    Global Health Limited1,25433,6901,511936
    Dr. Lal Path Labs Limited2,46120,5693,6542,166
    Rainbow Childrens Medicare Limited1,34013,6081,7101,079
    Vijaya Diagnostic Center Limited1,03110,5801,277625
    Metropolis Healthcare Limited1,5788,0952,3181,528
    Thyrocare Technologies Limited7183,8031,055554
    Krsnaa Diagnostics Limited7862,5381,044528
    (As of 26 March 2025)

    Read Also: Best Healthcare Stocks in India 

    Best Diagnostics Stocks in India Based on Market Capitalization – An Overview

    A brief overview of the best diagnostic stocks in India is given below:

    1. Global Health Limited

    Global Health Limited operates a private multi-specialty hospital in India under the brand Medanta. The company was incorporated in 2004 and was initially named Global Health Pvt Ltd. It was founded by Dr Naresh Trehan, a renowned cardiovascular surgeon. In 2022,  the company converted itself into a public limited company and changed its name to Global Health Limited.  The company’s headquarters is located in New Delhi.
    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -4.74%204.73%204.73%
    (Data as of 26 March 2025)

    2. Dr. Lal Pathlabs Limited

    Dr. Lal Pathlabs is a leader in diagnostic services in India.  The company was founded in 1949 by Dr Major S.K. Lal. The company began its journey as a pathology service provider and a blood bank.  In 1995, the company was incorporated as Dr Lal PathLabs Pvt Ltd. The company started expanding rapidly in the early 2000s. To expand operations, it raised capital through an initial public offering in 2015 and got itself listed on the Indian Stock Exchange.  The company’s headquarters is situated in Gurgaon.
    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    14.14%-7.06%69.97%
    (Data as of 26 March 2025)

    3. Rainbow Children Medicare Limited

    Rainbow Children Medicare Limited was founded in 1999 by Dr Ramesh Kancharla.  Earlier, the company established a pediatric specialty hospital in Hyderabad that focused on providing maternal and pediatric services. To establish more hospitals across the country, the company raised capital and launched its IPO in 2022.  The company’s  headquarters is situated in Telangana.
    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    7.69%161.25%161.25%
    (Data as of 26 March 2025)

    4. Vijaya Diagnostic Center Limited

    Vijaya Diagnostics is a leading diagnostic service provider in India. It was established in 1981 by Dr Surendranath Reddy in Hyderabad. The company focuses on establishing diagnostic centres, especially in South India.  The company issued an offer for sale in 2021 and got itself listed on the Indian stock exchange. The headquarters of the company is situated in Telangana Hyderabad.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    60.77%129.00%86.08%
    (Data as of 26 March 2025)

    5. Metropolis Healthcare Limited

    Metropolis Healthcare Limited was founded by Dr Sushil Kanubhai Shah in 1980. The company established its first pathology in Mumbai and with time it has expanded globally. From 2001 onwards, Amira Shah, daughter of the founder Sushil Kanubhai Shah, played a major role in the expansion of the company. It launched its IPO in 2019 and became a publicly listed company.  The company’s headquarters is situated in Mumbai.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    0.02%-20.88%10.10%
    (Data as of 26 March 2025)

    6. Thyrocare Technologies Limited

    Thyrocare Technologies was founded by Dr. A. Velumani in 1996 to provide affordable diagnostic services. As the name suggests, the company initially focuses on providing thyroid testing services. In 2014, in collaboration with Siemens Healthcare Diagnostics, it established the world’s largest laboratory automation track in Mumbai. The company launched its IPO in 2016 and got itself listed on the Indian Stock Exchange. In 2021, API Holding acquired a controlling stake in Thyrocare. The company’s headquarters is situated in Mumbai.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    18.01%-7.99%34.55%
    (Data as of 26 March 2025)

    7. Krsnaa Diagnostics Limited

    Krsnaa Diagnostics was established in 2010 and offers various diagnostic services such as radiology, pathology, and tele-radiology. The company has a presence across India and has collaborated with various private hospitals to provide its services. The company launched its IPO in 2021, which was an offer for sale. The company’s headquarters is situated in Pune.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    24.11%53.28%-22.26%
    (Data as of 26 March 2025)

    Key Performance Indicators (KPIs)

    The key performance metrics of diagnostics companies are mentioned below:

    CompanyOperating Margin (%)Net Profit Margin (%)ROE (%)ROCE (%)Debt to Equity
    Global Health Limited21.4014.5916.4519.010.14
    Dr. Lal Path Labs Limited24.0116.2719.3426.860.05
    Rainbow Childrens Medicare Limited27.2816.8317.2317.500
    Vijaya Diagnostic Center Limited33.7221.8318.0820.300
    Metropolis Healthcare Limited16.3310.6311.6615.060
    Thyrocare Technologies Limited17.4412.0813.4318.030.04
    Krsnaa Diagnostics Limited13.959.177.019.710.13
    (Data as of March 2024)

    Read Also: Most Undervalued Stocks in India

    Benefits of Investing in Diagnostic Stocks

    The major benefits of investing in Diagnostic stocks are as follows:

    • Growing Sector: The Indian healthcare sector is growing at an annualized growth rate of 15-17%. Hence, this growth will also benefit the diagnostics companies.
    • Profit Margins: Companies operating in the diagnostic sector generally have high profit margins because of low operating costs.
    • Health Awareness: People are becoming more and more health-conscious; hence, they opt for regular preventive checkups, which could increase the revenue of diagnostic companies.
    • Defensive Sector: Investment in diagnostic companies is considered a defensive bet, as the demand for health checkups will increase with time, and it will not be impacted by any economic downturn.
    • Business Model: Diagnostic companies operate in various cities through their strong franchisee network, helping the company earn stable revenues.

    Factors to be Considered Before Investing in Diagnostic Stocks

    The key factors that one should consider before investing in diagnostic stocks are as follows:

    • Financial Performance: Before choosing any diagnostic company for investment, one should check the financial performance of the companies, which includes revenue, profit margins, etc.
    • Market Competition: The new companies are competing with the established companies like Dr. Lal Pathlabs, Thyrocare, etc. Hence, one should opt for a company that has a competitive advantage over others.
    • Government Policies: There are various initiatives taken by the government or healthcare policies such as Ayushman Bharat, etc., as well as public-private partnerships that can help diagnostics companies get consistent revenue.
    • Franchisees: The company’s ability to manage its franchise network and sample collection centres will impact the company’s performance.

    Future of Diagnostic Stocks In India

    The Indian Diagnostic sector plays an important role in shaping the Indian healthcare industry. Various government initiatives, such as the National Health Mission (NHM), have allocated a budget of approximately ₹290 billion, which will be used to improve the infrastructure and services of the healthcare industry. The Indian diagnostic industry consists of 60% pathology and 40% radiology, and this industry is expected to reach a total market value of ₹1,360 billion by the end of FY 2026 and will have an expected CAGR of 14%. Hence, the diagnostic sector will have a bright and promising future.

    Investing in Indian Diagnostic Stocks

    Conclusion

    On a concluding note, the Indian diagnostic industry is on a growth trajectory. The increasing cases of chronic diseases require continuous monitoring, which can be done through regular health checkups. This trend can support revenue growth for diagnostic sector stocks. However, there are certain factors that need to be considered by the investor before investing in diagnostic stocks, such as market competition, regulatory changes, etc. Therefore, it is advisable to consult your investment advisor before making any investment decision.

    Frequently Asked Questions (FAQs)

    1. Which companies are associated with the diagnostics sector in India?

      Some of the major companies in India’s diagnostic sector are Thyrocare Technologies Limited, Metropolis Healthcare Limited, Dr Lal Pathlabs Limited, Rainbow Children Medicare Limited, etc.

    2. Is it a good time to invest in the stocks of diagnostics companies?

      Yes, it is a good time to invest in the stocks of diagnostics companies because the rise in chronic diseases and awareness about preventive health checkups will drive the growth of this sector. However, one should consider their risk profile and consult their financial advisor before investing in these stocks.

    3. What are the major factors that need to be considered before investing in diagnostic companies?

      The key factors that one should consider before investing in the diagnostic sector are competition, market trends, technologies used by diagnostic companies, etc.

    4. How to select the best diagnostic company for investment?

      One can select the best diagnostic company by analyzing its financial performance and key metrics, its business model, regulatory risks, competition in the industry, promoter holdings, etc.

  • 10 Most Undervalued Stocks in India – Top Picks for 2025

    10 Most Undervalued Stocks in India – Top Picks for 2025

    Picking a suitable stock for investment is an art. Long-term investors prefer to invest in undervalued stocks to create wealth in the long run. But is it worth investing in undervalued stocks, given the considerable time and research it takes to find one? 

    In this blog, we will explore the most promising undervalued stocks in India and the significant advantages of investing in them.

    Meaning of Undervalued Stocks

    Undervalued stocks are those stocks that are currently priced lower than their true, fair, or intrinsic value based on several reasons like panic selling, bad news, market mood, etc. This usually occurs when the prevailing market price of any share does not represent its actual earnings, assets, and growth opportunity.

    List of Top 10 Undervalued Stocks in India 

    1. Bank of Baroda
    2. Power Finance Corporation Limited
    3. Punjab National Bank
    4. Coal India Limited
    5. REC Limited 
    6. Oil & Natural Gas Corporation Limited
    7. Tata Motors Limited
    8. Bharat Petroleum Corporation Limited
    9. State Bank of India
    10. Vedanta Limited

    Note: The above list is in ascending order based on their PE ratio. These can be considered as fundamentally strong but undervalued stocks as of 25 March 2025.

    Market Information of Most Undervalued Stocks in India

    CompanyCurrent Market Price (₹)Market Capitalization (in ₹ crores)52 Week High (₹)52 Week Low (₹)P/E Ratio
    Bank of Baroda2231,15,2703001915.65
    Power Finance Corporation Limited4191,38,1265803576.18
    Punjab National Bank93.61,07,57414385.56.31
    Coal India Limited3982,45,4315453497.19
    REC Limited 4431,16,6266543577.43
    Oil & Natural Gas Corporation Limited2423,04,2543452157.75
    Tata Motors Limited7082,60,6651,1796068.11
    Bharat Petroleum Corporation Limited2781,20,8273762348.60
    State Bank of India7716,87,8659126808.66
    Vedanta Limited4621,80,62152726715.2
    (Data as of 26 March 2025)
    Market Information of Most Undervalued Stocks in India

    Read Also: How to find and identify undervalued stocks

    Best Undervalued Stocks in India – An Overview

    The top 10 most undervalued stocks in India are:

    1. Bank of Baroda

    The bank was established in 1908 by the Baroda ruler, Maharaja Sayajirao Gaekwad. He established the bank to support the growth of the local economy. Later, in 1969, the Indian government nationalized the bank and other commercial banks. After combining with Dena Bank and Vijaya Bank in 2019, the Bank of Baroda became the third-largest public sector bank in India to improve its operational efficacy in terms of assets and customers. The bank’s headquarters is situated in Vadodara, Gujarat.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -13.27%106.15%279.39%
    (Data as of 26 March 2025)

    2. Power Finance Corporation Limited

    Power Finance Corporation Limited, or PFC, is one of the leading PSUs in India and was established in 1986. The company provides funding for initiatives related to transmission and distribution as well as power generation. The business also expresses interest in renewable energy projects and works to support the execution of several government programs. The company’s headquarters is situated in New Delhi.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    9.23%357.97%512.07%
    (Data as of 26 March 2025)

    3. Punjab National Bank

    The bank was founded in Lahore, Pakistan, in 1894 by Indian freedom hero Lala Lajpat Rai. It was established in the capital and is recognized as the country’s first bank. After obtaining independence, the bank moved its headquarters to New Delhi. Later, in 1969, it was nationalized along with thirteen other banks. In 2003, it acquired Nedungadi Bank, and in 2020, it amalgamated with the United Bank of India and Oriental Bank of Commerce.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -23.01%166.61%173.63%
    (Data as of 26 March 2025)

    4. Coal India Limited

    Founded in 1975, Coal India is the largest coal mining enterprise in the world, with its headquarters located in Kolkata, West Bengal. In 2011, the company received the “Maharatna” status from the Indian government. In 2010, the company went public on the stock exchange and now operates several coal mines. Coal India Limited is responsible for over 82% of India’s total coal production as of 2024. 

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -7.70%114.80%217.22%
    (Data as of 26 March 2025)

    5. REC Limited

    REC, or Rural Electrification Corporation Limited, was incorporated in 1969 to construct rural electrification infrastructure. The company came out with its IPO in 2008 and became a listed company. Later, in 2010, it was given the status of “Navratna” by the Government of India. PFC, or Power Finance Corporation Limited, bought a majority stake in it, and it became a subsidiary company of PFC. The company’s corporate office is situated in New Delhi.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -4.20%368.36%590.02%
    (Data as of 26 March 2025)

    6. Oil & Natural Gas Corporation Limited

    One of India’s largest producers of natural gas and oil, ONGC Ltd was founded in 1956 as a result of a suggestion by the Planning Commission Committee. The company discovered significant oil reserves, notably those in Gujarat’s Ankleshwar and Assam. The headquarters of the company is situated in New Delhi.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -6.91%38.96%293.92%
    (Data as of 26 March 2025)

    7. Tata Motors Limited

    The Tata Engineering and Locomotive Company, or TELCO for short, was the original name of Tata Motors Limited when it was founded in 1945. After establishing a joint venture with the German company Daimler Benz, the company began producing trucks. It was a smart strategic move for the corporation to purchase the luxury British automaker Jaguar Land Rover in 2008. The Tata Nexon EV has established a reputation for itself in the EV sector since its launch. The company’s headquarters are in Mumbai.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -26.53%66.04%897.90%
    (Data as of 26 March 2025)

    8. Bharat Petroleum Corporation Limited

    BPCL Ltd was founded in 1952 as a joint venture between the Indian government and Burmah Shell, and after the government of India acquired Burmah Shell in 1976, it became a fully owned government corporation. The Ministry of Petroleum and Natural Gas of the Indian government oversees the exploration, refinement, distribution, marketing, and retailing of petroleum and petroleum-related products. The company’s headquarters are located in Mumbai.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    -4.12%56.12%104.41%
    (Data as of 26 March 2025)

    9. State Bank of India

    With the biggest market share, SBI is the biggest public sector bank in India and a giant in the country’s banking industry. With its headquarters located in Mumbai, SBI has a long history spanning more than 200 years. The first joint stock bank in British India, the Bank of Calcutta, was founded in 1806. Throughout British India, three distinct presidential banks – the Bank of Bengal, the Bank of Bombay, and the Bank of Madras. The Imperial Bank of India was created in 1921 by the merger of the three Presidency Banks. The Indian government nationalized the Imperial Bank of India in 1955 and changed its name to the State Bank of India.

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    4.02%57.75%303.76%
    (Data as of 26 March 2025)

    10. Vedanta Limited

    Vedanta is an Indian company that was founded in 1976 and operates in the mining, oil, and gas sectors. Initially called Sterlite Industries Limited, the company’s main activity was manufacturing telecom cables and other products. They purchased a copper mine in Australia and began producing copper in the early 1990s. In 2001, the company went public on the New York Stock Exchange. By purchasing Cairn India, Vedanta Limited increased the scope of its oil and gas holdings.  

    Know the Returns:

    1Y Return (%)3Y Return (%)5Y Return (%)
    73.57%15.58%618.98%
    (Data as of 26 March 2025)

    Key Performance Indicators (KPIs)

    CompanyOperating Margin (%)Net Profit Margin (%)ROE (%)ROCE (%)
    Bank of Baroda25.6115.5515.672.38
    Power Finance Corporation Limited100.4929.0419.5367.44
    Punjab National Bank15.467.638.921.60
    Coal India Limited34.5725.9545.2127.89
    REC Limited 100.8429.7720.5668.62
    Oil & Natural Gas Corporation Limited14.599.2414.6015.43
    Tata Motors Limited8.727.1036.9719.39
    Bharat Petroleum Corporation Limited8.825.7535.5132.53
    State Bank of India20.3415.5117.311.63
    Vedanta Limited18.805.2413.7924.09
    (Data as of 26 March 2025)

    Read Also: 10 Best Copper Stocks in India

    Benefits of Investing in Undervalued Stocks

    The following are the main advantages of investing in undervalued stocks in India:

    • High Returns: As these stocks trade below their actual intrinsic value, they have the potential to generate high returns as their share prices converge with their true value. Therefore, investing in undervalued stocks provides an opportunity to earn profit.
    • Cheap Buying: As the stocks are undervalued, there is no risk of overpaying when purchasing them. Hence, it provides a margin of safety and reduces the risk associated with investing.
    • Less Volatile: Undervalued stocks are already trading at a discount; therefore, they are not affected by market fluctuations much. 
    • Dividends: Even though the stocks are undervalued, the underlying business continues to earn stable profits and pay regular dividends, which can be a passive source of income for investors.
    • Patience: Investing in undervalued stocks requires lots of patience and discipline as the prices increase over a while.

    Disadvantages of Investing in Undervalued Stocks

    The various disadvantages to investing in undervalued stocks are mentioned below:

    • False Signals: It is not necessary that every undervalued stock can recover and regain its value. There might be some cases when the stock might look undervalued, but it might be due to the inefficient business model, poor financial performance, etc. If these are the reasons behind undervaluation, then it might never regain its original value.
    • Short-Term Gains: Traders looking for short-term gains should avoid undervalued stocks as these stocks tend to perform in the long run.

    How to Invest in Undervalued Stocks in India?

    To invest in undervalued stocks in India, one can follow the below-mentioned steps:

    1. Identify the Stock: The first step is to identify the undervalued stock. Fundamental analysis helps an investor in identifying undervalued stock.
    2. Demat Account: To invest in undervalued stock, one is required to have a demat and trading account. Pocketful also offers you an opportunity to open a free demat account so that you can easily invest in undervalued stocks using their advanced trading platform.
    3. Funding: Once the Demat account is opened successfully, you can easily transfer funds to your trading account to purchase the stock. Nowadays, there are various online options through which one can transfer funds, such as UPI, RTGS, and NEFT.
    4. Investing: You can place a buy order for the selected undervalued stock. The order can be placed using the trading application provided by your broker.
    5. Reviewing: As the stock is purchased, an investor is required to continuously monitor its performance to realize the profit accordingly. It is advisable to place a proper stop-loss to reduce the potential loss.
    How to Invest in Undervalued Stocks in India

    Read Also: NEFT vs RTGS vs UPI vs IMPS: A Comparative Study

    Conclusion

    On a concluding note, investing in undervalued stocks can help an investor in creating wealth in the long run. However, finding such an opportunity is rare, and not every undervalued stock has growth potential. Therefore, investors are required to conduct a thorough fundamental analysis. Along with this, it is necessary to consult your investment advisor before making any investment decision.

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1List Of Best Healthcare Stocks in India
    2List of Best Telecom Stocks in India
    3List Of Best Footwear Stocks in India
    4List Of Best Logistics Stocks in India
    5List of Best Liquor Stocks in India

    Frequently Asked Questions (FAQs)

    1. What are undervalued stocks?

      When the stock price of any company is trading below its actual or intrinsic value, it is known as an undervalued stock.

    2. Why do the stock prices fall below their intrinsic values?

      The stock prices fall below their intrinsic value because of negative investor sentiments, economic downturns, poor performance, or any negative news.

    3. How to identify the undervalued stocks?

      Undervalued stocks can be identified using various fundamental tools such as PE (Price to Earning), PB (Price to Book Value) Ratio, Discounted Cash Flow Analysis, etc.

    4. What is the meaning of “ValueTrap”?

      A value trap is a condition when a stock is undervalued not because of any event but remains cheap due to poor fundamentals, such as excessive debt, decreasing profits, revenue, inefficient management, etc. These stocks generally do not recover and trap the investors. 

    5. What are some undervalued stocks?

      Some undervalued large-cap stocks are SBI, Punjab National Bank, Tata Motors, etc.

  • 7 Top IPL-Related Stocks to Watch in 2025

    7 Top IPL-Related Stocks to Watch in 2025

    Indian Premier League, or IPL 2025, is not just a cricket tournament; it is also a significant economic event. The league draws millions of viewers worldwide, generating major revenue from sponsorships, ads, ticket sales, and digital platforms. The popularity of IPL positively impacts FMCG, hospitality, media, and other sectors. 

    In this blog, we will discuss the sectors and companies that can be positively impacted due to IPL 2025.

    S.NO.CompanyCurrent Market Price (₹)Market Capitalization (in ₹ crores)1 Month Return 6 Month Return 
    1Zomato Limited2232,14,9130.07%-23.61%
    2CEAT Limited2,84311,5017.87%-4.91%
    3Reliance Industries Limited1,30117,61,0357.25%-12.54%
    4Varun Beverages Limited5311,79,6056.25%-17.88%
    5ITC Hotel Limited19640,78122.03%13.93%
    6Indian Hotels Limited8421,19,79615.43%18.32%
    7United Breweries Limited1,96852,034-3.57%-8.92%
    (As of 24 March 2025)

    Below are the top 7 stocks to watch out for during IPL 2025, along with their overviews:

    1. Zomato 

    Zomato is an Indian restaurant aggregator and provides food delivery services from affiliated eateries in more than 1,000 Indian towns and cities. Initially called “Foodiebay,” Zomato was established in 2008 by Deepinder Goyal and Pankaj Chaddah. 

    IPL Impact: As most people watch matches at home or in groups, the IPL increases demand for food delivery services, thereby increasing revenue.

    2. Ceat Tyres 

    Previously known as Cavi Electtrici e Affini Torino (Electrical Cables and Allied Products of Turin), CEAT Limited is a well-known and prominent international tyre manufacturer with its headquarters located in Mumbai, India. They produce tyres for a variety of vehicles, including cars, trucks, buses, and motorcycles. 

    IPL Impact: Strategic timeouts featuring CEAT’s brand ads, an official IPL partner, can increase brand recall and possibly increase sales.

    4. Reliance Industries 

    Reliance was founded in 1966 by Mr. Dhirubhai Ambani. Later in 1980, it began expanding its operations in the petrochemical sector. Following his death, Dhirubhai Ambani’s two sons, Anil and Mukesh Ambani, divided the company. Under Mukesh Ambani’s leadership, the business expanded into several sectors, including communications and retail, and achieved new heights. 

    IPL Impact: RIL has a strong presence in IPL broadcasting and digital streaming through its subsidiaries, such as Viacom18, and platforms, JioTV and JioHotstar and is positioned to profit from the higher viewership during the IPL season.

    5. Varun Beverages 

    The chairman of RJ Corp., Ravi Jaipuria, founded Varun Beverages Limited in 1995. The business is named after Ravi Jaipuria’s child. The business produces and sells beverage bottles. The company initially established PepsiCo product packaging facilities in India. The company’s main operations involve the production and distribution of bottles for PepsiCo’s product line.

    IPL Impact: Varun Beverages is a prominent manufacturer, bottler and distributor of PepsiCo products in India, producing well-known beverages like 7Up, Mountain Dew, and Pepsi. Soft drink sales may increase because the IPL takes place during the peak summer months.

    5. ITC Hotels 

    One of the biggest hotel chains globally, ITC Hotels has over 100 hotels featuring luxurious accommodations. Some of the prominent ITC Hotel brands are Mementos, ITC Hotels, Welcomhotel, Fortune Hotels, etc.

    IPL Impact: ITC Hotels will be in focus during the IPL Tournament because premium room bookings will be driven by IPL teams, officials, tourists and corporate guests staying at their lavish hotels.

    Moreover, increased IPL snack consumption benefits ITC’s FMCG division. An increase in revenue from FMCG and hospitality sales during the IPL season is also expected. 

    6. Indian Hotels 

    The company was established in 1903 by Jamsetji Tata, and it initially operated a hotel in Mumbai called The Taj Mahal Palace. The company bought the Taj Lake Palace in Udaipur and opened additional hotels across the country to expand its holdings. In 1980, the company introduced several innovative brands known by the name of Vivanta and Ginger in response to changing consumer demands and also bought hotels abroad. 

    IPL Impact: Indian Hotels will have a few of its hotels featured as team hotels for some IPL teams, which will have a positive impact on the company because of higher rates of hotel occupancy. 

    7. United Breweries

    The late Mr Vittal Mallya bought the business in 1947. It has continuously expanded ever since. With more than 60% of the beer market, United Breweries is considered the biggest producer in India. The company’s headquarters is in Bangalore. When the company was founded in 1915, it had five breweries in southern India. 

    IPL Impact: Increased alcohol consumption during IPL matches benefits companies like United Breweries. Nightlife in host cities sees greater interest in parties, pubs, and sports bars, thereby increasing the sale of alcohol and the revenues of alcohol companies.

    IPL 2025 Sponsors and Market Influence

    Some of the prominent sponsors of IPL 2025 are:

    1. Tata Group

    Tata Group is one of India’s oldest and largest conglomerates, founded in 1868 by Jamsetji Tata. It operates across diverse sectors, including steel, automobiles, IT, hospitality, and more. Known for its ethical values and philanthropy, Tata Group includes companies like Tata Steel, Tata Motors, TCS, and Tata Power, with a global footprint across 100+ countries.

    IPL Link: Tata Group is the title sponsor of IPL 2025 and has paid a total sum of ₹2,500 crores for retaining title sponsorship from 2024 to 2028. 

    2. My11Circle.

    My11Circle is an Indian fantasy sports platform owned by Games24x7. It allows users to create virtual teams for cricket, football, and kabaddi and earn points based on real-time performance. Known for its user-friendly interface and celebrity endorsements (e.g., Sourav Ganguly), it has quickly emerged as a major player in the fantasy gaming industry. 

    IPL Link: In 2024, My11Circle agreed to pay a total of ₹625 crores over a period of 5 years to be the associate sponsor of IPL.

    3. Angel One

    Angel One (formerly Angel Broking) is a leading Indian stockbroking and wealth management firm. Established in 1996, it offers services like equity trading, commodities, mutual funds, and portfolio management. With a strong digital platform and low brokerage fees, Angel One caters to retail investors and traders, making investing accessible across Tier 2 and Tier 3 cities. 

    IPL Link: Angel One is the associate sponsor of IPL 2025.

    4. RuPay

    RuPay is India’s domestic card payment network launched by the National Payments Corporation of India (NPCI). Designed to promote financial inclusion, RuPay offers debit, credit, and prepaid cards. Accepted widely across ATMs, POS terminals, and online platforms, RuPay has become a key player in India’s digital payments ecosystem, challenging global networks like Visa and Mastercard. 

    IPL Link: In 2025, RuPay will serve as the associate sponsor of IPL. 

    5. Wonder Cement

    Wonder Cement is a part of the RK Group and one of India’s fastest-growing cement companies. Established in 2010, it manufactures premium-quality Portland Pozzolana and Ordinary Portland Cement. With plants in Rajasthan, Maharashtra, and Madhya Pradesh, Wonder Cement focuses on innovation, sustainability, and customer satisfaction in the construction and infrastructure space.

    IPL Link: Wonder Cement agreed to pay a total of ₹50 crores for a period of 4 years to become the official umpire partner in IPL.

    6. CEAT

    CEAT Ltd., part of the RPG Group, is one of India’s leading tyre manufacturers. Founded in 1958, CEAT produces tyres for two-wheelers, cars, trucks, and buses and exports to over 100 countries. Known for its durability and performance, CEAT invests in innovation and sustainability and is a major player in India’s growing automotive sector.

    IPL Link: Strategic Timeout marks an important event in the game of cricket and CEAT paid a total of ₹240 crores in 2024 for a period of 5 years to have its name associated with the key event.

    7. Star Sports

    Star Sports is a leading Indian sports broadcasting network formerly owned by Disney Star. Disney and Reliance recently formed a joint venture named JioStar, which owns Star Sports that holds broadcasting rights to major tournaments like IPL, ICC Cricket, Pro Kabaddi, and international football leagues. Offering content in multiple Indian languages, Star Sports revolutionized sports viewership in India with in-depth coverage, expert analysis, and high-definition broadcasts. 

    IPL Link: Star Sports won the IPL TV rights for 5 years after bidding a total sum of ₹23,575 crores. 

    8. JioHotstar

    JioStar is a joint venture between Reliance and Disney. JioStar owns JioHotstar, which offers movies, web series, TV shows, and live sports, including IPL and international cricket. With free access to major events, JioHotstar has become a top OTT player, challenging platforms like Netflix, Amazon Prime, and Disney+. 

    IPL Link: In 2022, Viacom18, a subsidiary of Reliance Industries, bid ₹23,758 crores to win the digital rights of IPL for a period of 5 years. In 2023, Disney explored a joint venture or sale of its India assets with Reliance Industries. Ultimately, a joint venture named JioStar was formed with Reliance along with its subsidiary, Viacom 18, which owns approximately 63% of JioStar. 

    How does IPL Impact Stock Performance?

    IPL can influence the profitability of a company and impact its stock performance in the following ways:  

    • Brand association with the IPL can greatly impact the company’s stock performance. The game has a vast audience, reaching millions on TV and online, providing exceptional brand visibility.
    • Companies that sponsor leagues often see improved brand recognition, resulting in higher sales and revenue.
    • This positive outlook can increase stock valuation, especially for companies and consumer-focused industries such as FMCG, automotive, beverages, and e-commerce.
    • Past trends suggest that companies that use IPL for marketing campaigns or product launches often see a temporary rise in their stock prices due to increased brand visibility. 

    Sectors Expected to Benefit from IPL 2025

    Sectors Expected to Benefit from IPL 2025

    Let’s look at the sectors expected to benefit from IPL 2025:

    Media & Broadcasting

    • The IPL’s large audience brings significant advertising revenue for TV broadcasters and digital streaming platforms.
    • These platforms gain more subscribers and viewership, especially among younger audiences during the IPL season, which increases the revenue from subscriptions and digital advertisements.
    • The rivalry between TV and digital platforms fosters innovation in broadcasting and streaming technology.

    Consumer Goods & Beverages

    • The demand for soft drinks, snacks, and packaged foods rises during IPL matches due to social gatherings and home viewing parties.
    • Companies that manufacture these products and other convenience foods see a substantial increase in their sales.
    • This increased demand can boost production and distribution, benefiting the entire supply chain.

    E-commerce & Online Gaming

    • Fantasy sports platforms, such as My11Circle, experience a surge in user engagement during the IPL season.
    • E-commerce platforms use IPL’s popularity for selling exclusive merchandise, team jerseys, and special promotions.
    • Online food delivery services see a spike in orders during these times.
    • The usage of mobile applications for shopping and entertainment has also witnessed a substantial rise, according to past trends.

    Hospitality & Tourism

    • Hotels, restaurants, and travel companies are all gaining from IPL tourism. When these cities host IPL matches, there’s a sudden spike in tourism, which means the related companies will get a lot more customers.
    • Travel companies offering IPL match packages often experience higher demand.
    • The increase in tourist arrivals benefits the local economy and boosts revenue for the hospitality sector. 

    Advertising & Marketing

    • With companies investing in IPL sponsorships for maximum brand visibility, the championship offers a unique opportunity for brands to connect with a wide and diverse audience.  
    • Companies across various sectors invest heavily in IPL sponsorships and advertising campaigns which leads to increased revenues.

    How to Identify the Stocks Expected to Benefit from IPL?

    Investors can identify the stocks that can be positively impacted by IPL in the following ways:

    • The IPL season offers a chance for investors to profit from the economic boost it brings. Investors can improve their portfolios by identifying companies connected to the IPL ecosystem.
    • Increasing viewership boosts consumer spending, leading to revenue growth for related businesses.
    • Companies that invest in sponsorship advertising and product promotions frequently experience a boost in brand visibility and sales.
    • Media entertainment and consumer goods sectors usually see improved stock performance during the IPL seasons.

    Risks & Challenges in IPL-Driven Stock Investments

    An individual should consider the risks associated with investing in stocks whose performance is directly or indirectly linked with IPL. Some of the most common risks are listed below:

    • The IPL significantly impacts the stock market, often causing short-term volatility and speculative trading. Companies involved as lead sponsors or associate partners often attract more investors because of greater brand visibility and revenue potential. 
    • This increased excitement can cause a surge in stock prices both before and during the tournament. Nonetheless, market reactions are often unpredictable, resulting in increased volatility.
    • The rise in popularity of online betting platforms among younger audiences might also encourage speculative trading behaviour in the Indian financial markets.
    • Some stocks may rise temporarily, while others could correct after the tournament ends and excitement fades. It is suggested for investors to approach IPL-related stocks with caution. 

    Mistakes to Avoid When Investing in IPL Stocks

    Below are some of the most common mistakes an investor should avoid when investing in IPL-related stocks:

    Excessive Speculation

    • One of the most common mistakes is making trades based on hype or media buzz. IPL-related stocks may see short-term price increases, but without strong fundamentals, these gains are unlikely to last.
    • Investors should rely on financial analysis instead of making impulsive decisions.

    Overlooking Diversification

    • Ignoring diversification by concentrating investments in one sector, like media, FMCG, or gaming, increases the sector-specific risks. 
    • Diversifying your portfolio across different industries helps reduce the risk of losses.

    Well-Defined Exit Strategy

    • Chasing quick profits without a proper exit strategy can result in extreme losses. 
    • Stocks may rise for some time during the IPL, but they could drop after the season ends.
    • Fixing the price targets and tracking market trends is essential.

    Falling for Market Hype

    • The stock tips and recommendations easily available during the IPL season can be misleading.
    • Do not simply go along with the crowd; instead, take the time to do your own research.

    Conclusion

    Investing in IPL-related stocks can be profitable, but it needs careful planning and research. The IPL season boosts consumer spending, ad revenues, and brand recognition, creating opportunities for both short-term and long-term investments. Investing driven by speculation or emotional reactions can result in financial losses. Focus on conducting thorough research and data analysis to discover companies with growth possibilities. With the help of data-backed risk assessment, investors can set stop loss levels and diversify their portfolios to reduce losses. It is advised to consult a financial advisor before investing.

    Frequently Asked Questions (FAQs)

    1. Can investing in IPL-related stocks lead to quick profits?

      While short-term gains are possible, it is important to research a company’s fundamentals and avoid emotional investing. 

    2. Is it risky to invest in IPL-related stocks? 

      Yes, market volatility can be high during IPL, which increases the risk of losses.

    3. How can I track IPL-related stock trends? 

      Follow financial news, technical indicators and market trends to stay updated. 

    4. What are the official dates for IPL 2025?

      Official dates for IPL 2025 are from 22 March 2025 to 25 May 2025. 

    5. What is the best investment strategy for IPL stocks? 

      Consider a balanced approach with a mix of short-term trades in IPL-related stocks along with long-term investments in fundamentally strong companies. However, it is important to consult a financial advisor before investing.

  • 5 Best Housing Finance Stocks in India

    5 Best Housing Finance Stocks in India

    Have you ever wondered about investing in the housing finance stocks in India, considering the burgeoning real estate and home loan sector? Housing Finance stocks capture the essence of the smooth functioning of the economy as the term housing finance is integral to the overall development of the nation. 

    This blog explains the top five housing finance stocks in India, including their performance metrics, fundamentals, and pros/cons of investing in them.

    Understanding Housing Finance Stocks 

    Housing finance stocks are companies that issue home loans and offer other financial services pertaining to housing. These companies are engaged in assisting individual or business clients in acquiring residential or commercial properties. Their revenue comes from interest earned on loans, servicing fees, and financial transactions.

    Top Housing Finance Stocks in India (2025)

    Below is a list of the top housing finance companies in India based on their market capitalization:

    Company Current Market Price (₹)Market Capitalization (₹ Crores)52 Week high (₹)52 Week Low (₹)1 Year Returns (%)
    Bajaj Housing Finance Ltd.11696,940188103-29.41%
    Housing & Urban Development Corporation Ltd.18336,605354153-9.84%
    LIC Housing Finance Ltd.53329,316827484-16.40%
    PNB Housing Finance Ltd.81721,2271,20260016.46%
    Aadhar Housing Finance Ltd.42118,14651729230.48%
    (Data as of 7 March 2025)

    An Overview of Top 5 Housing Finance Stocks 

    1. Bajaj Housing Finance Limited (BHFL)

    Bajaj Housing Finance Limited, a subsidiary of Bajaj Finance Limited, is an upper-layer NBFC as categorized by Scale Based Regulations of the Reserve Bank of India. 

    It is one of the most diversified NBFCs in the Indian economy, serving over 97.12 million clients in India. BHFL issues loans to individuals and corporate bodies for the purchase and renovation of residential and commercial properties. Moreover, the company also provides loans against property for business expansion purposes, working capital, etc. BHFL headquarters is situated in Pune, India.

    2. HUDCO (Housing and Urban Development Corporation)

    The Housing and Urban Development Corporation Limited (HUDCO), founded in 1970, is a Navratna CPSE under the Ministry of Housing and Urban Affairs. Guided by the motto “Profitability with Social Justice,” it balances financial viability with social responsibility, focusing on housing for low-income people. It plays a key role in sustainable infrastructure development, aligning with the vision of a ‘Viksit Bharat.’

    The company operates from its New Delhi headquarters, supported by 21 regional and 11 development offices across India. It also runs the Human Settlement Management Institute (HSMI) for training and research.

    3. LIC Housing Finance

    Founded in 1989, LIC Housing Finance Ltd. (LICHFL) is one of the largest companies in India when it comes to mortgage loans and long-term loans for the purchase of houses, construction, and property-based financing. 

    Moreover, LICHFL also provides loans to professionals for offices and equipment and provides funding to builders and developers in the country. Due to its strong base and wider distribution network, LICHFL has served more than 25 lakh homeowners in the country. The company became a public company in 1994, and the stock is actively traded at NSE and BSE, the two prominent stock exchanges in India. 

    4. PNB Housing Finance

    Founded in 1988, PNB Housing Finance is one of the well-known players in the Indian home loan market and boasts more than three decades of experience. 

    It has customized housing finance plans for individuals and enterprises, and it is further aided by a branch network across the entire country. Further, the company is well-known for offering reliable services and has an average customer rating of 4 out of 5, which makes it a preferred choice among homebuyers for loan services across the country.

    5. Aadhar Housing Finance

    Aadhar Housing Finance was founded in 2010 and merged with DHFL Vysya in 2017 to create one of the major housing finance companies in India. As of today, they have more than 500 branches across the country. 

    Over time, the company has developed an extensive customer-focused loan book that has grown to approximately one billion rupees. With operations in 20 states, the company serves about 90% of the population in India.

    Key Performance Indicators (KPIs)

    CompanyDividend Yield (%)ROE (%)P/ETTM EPS (in ₹)
    Bajaj Housing Finance Ltd.0.00%15.2%49.52.51
    Housing & Urban Development Corporation Ltd.2.29%13.2%13.613.40
    LIC Housing Finance Ltd.1.70%16.2%5.7293.65
    PNB Housing Finance Ltd.0.00%11.8%11.670.27
    Aadhar Housing Finance Ltd.0.00%18.4%21.320.65
    (Data as of 07 March 2025)

    Advantages of Investing in Housing Finance Stocks

    The housing finance sector in India is known for its resilience and potential for appreciation. Furthermore, the favorable government policies for the construction of mass housing projects coupled with the high demand for home loans make this sector a lucrative investment option. Here are the key benefits of investing in Housing Finance Stocks:

    1. Home Loans are in High Demand

    Increased urbanization and population growth coupled with government initiatives such as the Pradhan Mantri Awas Yojana creates a favourable environment for finance companies.

    2. High Returns through Dividends

    Housing finance companies provide low-risk and stable revenue generation via interest payments on long-term loans. Such companies have proven to be at a lower risk for long term investments.

    3. Government Help and Supportive Policies

    Subsidies, tax perks, and grants make the industry of Housing Finance safer, mitigating risks for investors. 

    4. Less Risk than other BFSI Sector Stocks

    The risk of default relative to outstanding home loans is lower due to the collateral backing each individual loan. In addition, this sector tends to be less volatile than payment banks and other fintech companies.

    5. Established Players with High Demand

    There are multiple top notch companies in this sector that have strong market presence and a continuously growing customer base. Companies such as LIC Housing Finance, Bajaj Housing Finance, PNB Housing Finance, etc.

    6. Digital Innovation and Transformation

    With the advancements in technology and artificial intelligence, the time required to process online loan applications and online documentation decrease, causing the efficiency and profitability of such companies to increase, resulting in potential future growth. 

    Disadvantages of Investing in Housing Finance Stocks

    Some of the disadvantages of investing in Housing Finance Stocks are:

    1. Interest Rate Fluctuations 

    Changes in the Interest rates can impact the desired profitability of the housing finance companies. So, investors are advised to carefully assess this risk before investing. 

    2. Government Intervention 

    Intervention by the government is a double edged sword; negative changes in government policies and regulations can affect the operations of the housing finance companies, eventually disrupting their profitability.

    3. Market Uncertainties

    Stock prices can be affected by economic conditions, global financial market changes and geographical tensions such as war. However, this risk is generally common for all kinds of companies.

    4. High Market Competition 

    In India, there are multiple players in the housing finance sector, which is leading to pricing pressures and reduced margins. 

    How to Invest in Housing Finance Stocks?

    You can invest in Housing Finance Stocks using Pocketful by following a few simple steps:

    1. Open a Demat & Trading Account – Go to http://www.pocketful.in/ and open an account with us. Within the same day, you are ready to invest via Pocketful. 

    2. Select the Housing Finance stock you want to invest in. Analyze metrics such as market capitalization, net interest margin (NIM), P/E ratio, etc., to check the financial health of the company.

    3. Add money to the trading account and place your buy order by specifying the stock name, quantity, and order type (market or limit order).

    4. Monitor and review the stock performance, market shifts, and economic changes for making your portfolio adjustments.

    Conclusion

    Since our country’s housing sector is growing, the best housing finance stocks in India provides good investment opportunities. Best Housing Finance stocks include Bajaj Housing Finance, HUDCO, LIC Housing Finance, PNB Housing Finance and Aadhar Housing Finance, all of which have an established customer base.

    However, before making an investment in this sector, conduct a thorough analysis of market trends, key indicators, and risks. Also, don’t hesitate to consult your financial advisor before investing in equities.

    Frequently Asked Questions (FAQs)

    1. What are housing finance stocks?

      Housing finance stocks belong to companies that offer home loans and other housing-related financial services. Their revenue is primarily generated through interest earnings, servicing fees, and financial transactions.

    2. Why should I invest in housing finance stocks?

      Investing in housing finance stocks offers stability and long-term growth potential due to increasing urbanization, demand for home loans, favorable government policies, and digital innovations in the sector.

    3. What are the risks of investing in housing finance stocks?

      Risks include interest rate fluctuations, government policy changes, economic uncertainties, and high competition, which may affect profitability and stock performance.

    4. Which are the top housing finance stocks in India for 2025?

      The top housing finance stocks include Bajaj Housing Finance, HUDCO, LIC Housing Finance, PNB Housing Finance, and Aadhar Housing Finance, based on market capitalization.

    5. How can I invest in housing finance stocks?

      To invest, open a Demat account, analyze key metrics like market cap and P/E ratio, fund your trading account, place a buy order, and monitor your investments regularly.

  • Gold Investment: How to Invest in Gold in India?

    Gold Investment: How to Invest in Gold in India?

    Indian households have had a special place for gold from ancient times. May it be lavish weddings or festivities, the gleam of gold never goes out of fashion. Beyond its cultural significance, gold is also a reliable investment option. 

    Gold is always a safe choice for seasoned investors as it can protect your capital during market volatility. But do we understand the game of “gold investments” well enough? Is it just like investing in stocks? 

    In this blog, we will give you information about the reasons individuals invest in gold and the different ways to invest in gold.

    Getting the “Why” of Gold Investment Clear 

    Needless to say, gold has a timeless appeal. It has always been regarded as a safe haven, unlike stocks, which can cause significant losses during volatile market conditions. Gold is not affected by quarterly earnings or other adverse events such as war, political struggles, unlike stocks; rather it usually increases in value as during such unsure times, investors look for safety of their investment capital. 

    Here are some key benefits of investing in gold: 

    • Gold hedges against inflation: Rising inflation causes the value of the fiat or paper currency to decline significantly. On the other hand, gold, due to its limited supply and popularity, often increases in value during uncertain times.
    • Value of Diversification: Adding gold to your investment portfolio helps reduce the overall risk. Investment in gold can yield gains when your equity portfolio underperforms, thereby balancing the overall portfolio performance.
    • Liquidity: Gold is a highly liquid asset as it can be easily converted into cash. This allows investors to invest in gold without worrying about the price impact that is often associated with illiquid assets.  

    How to Invest in Gold? A Comprehensive Guide 

    An individual can begin investing in gold through the following ways: 

    1. Taking the Traditional Route: Physical Gold

    Investing in gold coins, bars, and jewelry is the most traditional and trusted form of gold investment. You can visit prominent gold retailers and purchase gold in the form of coins, bars, jewelry, etc. 

    2. Gold Derivative Contracts

    Digital gold is a better alternative than buying physical gold as it saves you from the hassle of storing gold. For example, futures contracts can be used to protect your portfolio from adverse market conditions. You can buy and sell derivative contracts of gold on trusted and the best commodity trading apps. 

    3. Gold Exchange Traded Funds 

    Gold exchange-traded funds are suitable for those who wish to invest in gold without having to deal with the problems associated with storing physical gold. Moreover, you don’t need to worry about the liquidity and purity of the gold. They can be easily bought and sold on stock exchange platforms, making gold ETFs the preferred investment option for new investors. 

    Building a Gold Investment Plan 

    Here are the ways to build a gold investment plan : 

    1. Set and Define your Investment Goals. 

    Determine your financial goals and then evaluate the amount you wish to invest in gold. It can be retirement planning, short-term gains, children’s wedding, etc. Based on your needs, select between physical, derivative contracts and gold ETFs for investment. For example, if you are concerned about short-term volatility and wish to safeguard your portfolio, then derivative contracts are best for you. On the other hand, if you wish to invest for your retirement, then investing in gold ETFs would be the best. 

    2. Normalize Diversification 

    Always keep a portion of your investment portfolio invested in gold because its returns are not directly correlated with equity returns, thereby providing you with diversification benefits. 

    3. Stay Alert and Updated

    Gold is a globally traded asset and thus can be impacted by international events. Keeping an eye on market trends and global news can help you to take action promptly and avoid risks. 

    Read Also: What is Nifty BeES ETF? Features, Benefits & How to Invest?

    Common Mistakes to Avoid when Investing in Gold

    Here are some common mistakes to avoid while investing in gold : 

    1. Consider Investing Costs  

    Always consider charges, brokerage fees, and storage costs when investing in gold. Careful analysis of storage costs, brokerage fees, and other factors is essential when considering investment in gold.  

    2. Over-investment in Gold 

    Gold is often regarded as a safe investment by many investors and thus has historically underperformed as compared to equity returns. Over-investing in gold can result in missing out on higher returns. 

    3. Skipping Research 

    One needs to conduct a thorough fundamental and technical analysis of gold before investing. After careful analysis, you must select the financial instrument to invest in gold. For example, derivative contracts are an excellent asset class that investors and traders can use to take advantage of short-term price fluctuations, but trading without proper knowledge of futures and options can result in substantial losses. 

    Conclusion

    In the world of investments, gold shines as a timeless and resilient asset. Whether you’re seeking to protect your wealth during market volatility, build a diversified portfolio, or secure your financial future, gold offers unmatched reliability. From the allure of physical gold to the convenience of digital gold and ETFs, there are various asset classes to suit your unique investment goals. However, like any investment, it requires careful planning and a clear strategy. By staying informed and making smart, well-researched decisions, you can harness the power of gold to build a more secure and prosperous financial future.

    Frequently Asked Questions (FAQs)

    1. Why should I invest in gold?

      Gold is a safe-haven asset that hedges against inflation, market volatility, and economic downturns. It adds diversification to your portfolio and ensures capital protection.

    2. What are the best ways to invest in gold?

      You can invest in gold through physical gold (coins, jewelry), gold ETFs, or gold derivative contracts based on your investment goals and preferences.

    3. Are gold ETFs better than physical gold?

      Gold ETFs offer high liquidity, lower storage costs, and no concern for purity. They are a more convenient choice than physical gold for modern investors.

    4. How much of my portfolio should be in gold?

      Portfolio allocation to gold can vary depending on the type of investor. For investors looking for safety, it is advised to allocate a higher share of the portfolio to gold and vice-versa.

    5. What are the risks of investing in gold?

      Gold prices can fluctuate, and over-investing can lead to missed higher returns from equities. Storage and transaction fees can also affect investment returns.

  • One MobiKwik Systems Case Study: Business Model, Financials & SWOT Analysis

    One MobiKwik Systems Case Study: Business Model, Financials & SWOT Analysis

    One of the most popular entities in the Indian fintech space is One MobiKwik Systems Limited or rather MobiKwik. Since its inception in 2008, the firm has grown from a provider of closed wallet facilities to offering a full suite of digital financial services products, such as loans, peer to peer lending, mutual funds, etc.

    In this blog, we will provide the case study of One Mobikwik Systems, its business model and services provided by this company. We will also provide the financial performance, and SWOT analysis of the company.

    MobiKwik Company Overview

    Bipin Preet Singh and Upasana Taku co-founded MobiKwik, which was an initially mobile wallet service that streamlined the payment process for users. The business over time has included mutual fund investing, loans, peer to peer lending and personal finance features in its product offerings. The company has been focusing on expansion due to which it launched an IPO in 2024 and raised ₹572 crores. It has its head office in Gurgaon, Haryana.

    Business Model of MobiKwik

    MobiKwik operates a fintech platform offering digital payments, digital credit (Buy Now Pay Later or BNPL), and financial services. Revenue sources include transaction fees, lending commissions, merchant services, and financial product distribution. Key offerings include MobiKwik ZIP (BNPL), Zaakpay (payment gateway), and UPI transactions. The company focuses on scaling digital credit and expanding merchant solutions to drive growth.

    Services Offered

    • Digital Wallet: Enables users to store money digitally and make payments across a wide network of merchants.
    • Buy Now, Pay Later (BNPL): Provides users with a line of credit for purchases, allowing deferred payments.
    • Insurance Products: Offers various insurance options, including life, health, and accident coverage.
    • Mutual Fund Investments: Facilitates investment in mutual funds directly through the platform.
    • Payment Gateway (Zaakpay): Provides merchants with solutions to accept payments seamlessly.

    Market Details of MobiKwik

    Current Market Price ₹272
    Market Capitalization (in ₹ Crores)2,116
    52 Week High ₹698
    52 Week Low₹261
    Book Value₹20.3
    P/E Ratio151
    (Data as of 17 March 2025)

    Financial Statements

    Income Statement

    ParticularsFY2024FY2023FY2022
    Total Income8,9035,6115,432
    Total Expenses8,5316,1706,586
    EBITDA372-559-1,154
    Net Profit141-838-1,282
    (Above mentioned figures are in ₹ million unless stated otherwise)

    Balance Sheet 

    ParticularsFY2024FY2023FY2022
    Total Non-Current Assets1,6451,6361,767
    Total Current Assets6,9015,5076,594
    Total Equity1,6261,4272,165
    Total Non-Current Liabilities54136180
    Total Current Liabilities 6,3805,3556,116
    (Above mentioned figures are in ₹ million unless stated otherwise)

    Cash Flow Statement 

    ParticularsFY2024FY2023FY2022
    Cash flow from operating activities-221270-3,206
    Cash flow from investing activities271-7-848
    Cash flow from financing activities351803,294
    (Above mentioned figures are in ₹ million unless stated otherwise)

    Read Also: Reliance Power Case Study: Business Model, Financial Statements, And SWOT Analysis

    SWOT Analysis of MobiKwik

    The SWOT analysis of One MobiKwik Systems is given below:

    Strengths

    1. Diverse Service Portfolio

    The marketing strategy of One MobiKwik Systems stands out with its wide range of offerings catering to multiple consumer and merchant needs. It offers a digital wallet for smooth payments, Buy Now Pay Later (BNPL) facilities for flexible financing, insurance solutions, and investment opportunities in mutual funds. By combining financial products and payment solutions, MobiKwik creates a holistic ecosystem that attracts diverse user groups and enhances customer retention. 

    2. Large User Base

    With more than 161 million registered users and about 4.26 million merchants, MobiKwik has a strong foothold in the Indian fintech ecosystem. A large user base, aside from generating high volumes of transactions, also gives the company a competitive advantage that allows cross-selling of its other products and services.

    Weaknesses

    1. Profitability Challenges

    MobiKwik, despite reporting substantial revenue growth, has reported operating losses for several years and recently began reporting profits. It remains to be seen if the business model is sustainable, particularly in an extremely competitive environment. The company’s profitability would need to be further strengthened with long-term financial stability through cost optimization and high-margin services.

    2. Market Competition

    MobiKwik operates in a competitive industry. It competes with key players such as Paytm, Google Pay, and PhonePe, which also provide similar products and services and have a bigger market share in specific segments. Additionally, global players with enormous financial resources could further intensify the competition, which may be a challenge for MobiKwik to continue its growth momentum.

    Opportunities

    1. Digital Payment Adoption

    India’s market for digital payments is growing rapidly with the government’s initiatives in this direction, including the Digital India program and the Unified Payments Interface (UPI). Increased penetration of smartphones and the affordability of data plans have contributed to the increased adoption of digital payments. The company can effectively leverage this trend to grow its user base, especially in semi-urban and rural areas where cashless transactions are still in their infancy.

    2. Financial Inclusion Initiatives

    One MobiKwik has a tremendous opportunity to cater to the underserved Indian population through customized microloans, low-cost insurance, and making investment in mutual funds or peer to peer lending more accessible. By fulfilling the needs of these sub-urban or rural areas, it can capitalize on a largely untapped vast market.

    Threats

    One Mobikwik operates in the Indian fintech sector due to which it must adapt quickly as new regulations emerge. Regulations related to data privacy, consumer protection, and digital lending may necessitate changes in its business model. Non-compliance or delay in getting adjusted to these regulatory compliances may attract penalty or loss of customer trust.

    Read Also: Adidas Case Study: Business Model and Pricing Strategies

    Conclusion

    One Mobikwik’s transformation from a small provider of mobile wallet into a platform that has numerous digital financial services has been exceptional and speaks of the innovation and ability of the company to adapt to changing regulations and rising competition. 

    Despite facing competition from larger fintech players, MobiKwik’s focus on BNPL services, digital lending, and financial inclusion positions it as a strong fintech contender in India’s evolving digital economy. Moreover, the company consistently pushes forward the boundaries of financial inclusion and is making valuable contributions to the fast-growing digital economy in India. 

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1Zara Case Study: Business Model and Pricing Strategies
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    3McDonald’s Marketing Strategy – Case Study
    4Case Study on Procter & Gamble Marketing Strategy
    5Case Study on Starbucks Marketing Strategy

    Frequently Asked Questions (FAQs)

    1. What is MobiKwik’s business model?

      MobiKwik operates a fintech platform offering digital payments, BNPL (MobiKwik ZIP), and financial services. It earns revenue through transaction fees, lending commissions, merchant services, etc.

    2. How did MobiKwik perform financially in FY2024?

      MobiKwik reported total income of ₹8,903 million in FY2024, with a net profit of ₹141 million, marking a turnaround from previous losses in FY2023 and FY2022.

    3. What are MobiKwik’s key strengths?

      MobiKwik benefits from a large user base (161 million users, 4.26 million merchants) and a diverse service portfolio, including digital wallets, BNPL, insurance, mutual funds, and merchant payment solutions.

    4. What challenges does MobiKwik face?

      MobiKwik faces intense competition from Paytm, PhonePe, and Google Pay, along with regulatory challenges in digital lending, data privacy, and consumer protection laws.

    5. How is MobiKwik leveraging India’s digital payment growth?

      MobiKwik is capitalizing on India’s growing UPI adoption and financial inclusion initiatives by expanding its BNPL services, microloans, and digital financial products in underserved markets.

  • Top 10 Intraday Trading Strategies & Tips for Beginners

    Top 10 Intraday Trading Strategies & Tips for Beginners

    Intraday trading is becoming popular among beginner traders in India because of its potential to deliver exceptional gains. However, it also involves considerable risks, which makes proper knowledge about intraday trading crucial. While theoretical content is abundant on intraday trading, intraday trading tips are barely addressed. 

    In this blog, we will discuss the top 10 intraday trading strategies and tips for beginners.

    Read Also: Lowest MTF Interest Rate Brokers in India | Top 10 MTF Trading Apps

    Top 10 Intraday Trading Strategies & Tips

    Venturing into something new will always be accompanied by the fear of the unknown. Needless to say, the realm of trading entails risks and even higher levels of risk if it is intraday trading. However, these risks can be reduced or avoided by mastering certain tips and strategies essential for success in intraday trading. 

    1. Trading with the Trend 

    Go with the flow. When you create trading positions in the direction of broader market trends, the risks are significantly reduced. Going against the market trend can cause significant losses as the market trend represents prevailing investor sentiment, which can impact your trading position in a specific security. This is how you do it: 

    1. If the market trends are bullish, focus on buying stocks exhibiting bullish candlestick patterns. 
    2. If the market trend is bearish, focus on stocks with bearish candlestick patterns.  

    2. The 3:1 Risk Reward Ratio 

    A favorable risk-reward ratio ensures that potential gains outweigh potential losses. Ideally, aim for profits three times higher than your risked amount to maintain profitability over time. For example, if you have a stop-loss of ₹500, then you should aim for a profit of ₹1500 on that particular trade. 

    3. Prioritise Liquid Stocks 

    Liquidity is crucial in intraday trading as it involves quick buying and selling of stocks. A slight delay in order execution can result in you missing a profitable trading opportunity. Liquid stocks help you with that as they can be swiftly bought and sold without affecting the stock price. 

    4. Setting Stop-loss and Target Levels 

    Set predefined exit points to protect your capital. Do it for each trade. If the trade moves against you, the stop-loss order helps you exit and reduce your losses automatically. On the other hand, setting a target level helps you lock in profits when the stocks reach a desired price. 

    5. Using the VWAP Indicator 

    VWAP (Volume Weighted Average Price) helps identify the average price a stock has traded throughout the day, weighted by volume. A price above VWAP signals a bullish trend, while a price below it suggests bearish momentum. When the stock price moves above VWAP, consider buying the stocks as it is indicative of a bullish trend. On the contrary, when the stock price goes below VWAP, consider selling opportunities as it indicates a potential bearish trend. 

    Read Also: Top 10 Highest Leverage Brokers in India

    6. Get hold of Key Market Hours

    Intraday trading is often characterized by volatile market conditions. Traders look for increased volatility to make positions, as correctly predicting market direction during these times can help you make substantial profits within a short span of time. Identify the key market hours to ensure maximum profits. 

    • The First Hour When the Market Opens 

    The first hour after the market opens is subjected to high volatility. It is because the traders react to overnight news. 

    • The Final Hour Before Market Closes 

    The final hour before the market closes often witnesses an increase in volatility as traders close their existing intraday positions. 

    Avoid trading in the afternoon as the trading activity decreases during the afternoon hours. 

    7. Track Market News 

    News regarding significant economic events or a specific company can impact your trading performance. Keeping an eye on the market news will help you anticipate sudden price movements and make informed trading decisions. 

    8. Avoid Overtrading 

    As a beginner, you will often be tempted to catch every market move. While it may seem fun and profitable initially, it may gradually affect your mental health and cause losses in the long run due to poor decision-making. It is advisable to resort to a disciplined approach and focus on a limited number of high-probability trades. 

    9. Follow a Simple Trading Strategy 

    The internet has information related to a wide variety of analytical tools and strategies that often overwhelm us. However, it is advised to design and stick to a simple trading strategy that uses basic indicators to analyze the price movements of your stocks. 

    Here is a list of some of the beginner-friendly tools: 

    1. Moving Averages (MA): Helps identify trends by smoothing price fluctuations. 
    2. Relative Strength Index (RSI): This tool helps to measure momentum and identify overbought and oversold conditions. 
    3. Moving Average Convergence Divergence (MACD): This is useful for spotting trend reversals. 

    10. Maintain a Trading Journal 

    Maintaining a trading journal will help you stay on track and monitor your progress. It also offers an opportunity for you to analyze your trades, hence leading to a more refined trading strategy. 

    Here are some key points to include in your trading journal: 

    1. Entry and exit points 
    2. The logic behind trade and market conditions.
    3. Target and stop-loss levels.
    4. Trading performance.
    5. Key takeaways or lessons learnt for the day

    Read Also: Understanding Intraday Trading Timings

    Conclusion

    Mastering these above-mentioned best strategies and tips for intraday trading will assist you in building a strong foundation for intraday trading. Remember, intraday trading can be extremely risky, and it requires knowledge, patience, discipline, and a well-defined strategy to ensure long-term success. 

    S.NO.Check Out These Interesting Posts You Might Enjoy!
    1How to Use Pivot Points in Intraday Trading?
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    4Value Investing Vs Intraday Trading: Which Is More Profitable?
    5How to Choose Stocks for Intraday the Right Way?

    Frequently Asked Questions (FAQs)

    1. What is intraday trading, and how does it differ from other trading approaches?

      Intraday trading involves buying and selling stocks within the same trading day, aiming for short-term profits. Some of the other trading approaches, such as positional or swing trading, involve holding positions overnight.

    2. Why is liquidity important in intraday trading?

      Liquidity ensures that stocks can be quickly bought or sold without significant price fluctuations. Highly liquid stocks allow traders to enter and exit positions smoothly, reducing execution risks and missed trading opportunities.

    3. How does a stop-loss order help in intraday trading?

      A stop-loss order limits potential losses by automatically selling a stock when it reaches a predefined price. It helps traders protect their capital and avoid emotional decision-making.

    4. What are the best times to trade during the market hours?

      The first hour after market opening and the last hour before closing is ideal for intraday trading due to high volatility. Afternoon trading is usually slow and less favorable for intraday positions. 

    5. Why should beginners avoid overtrading?

      Overtrading can lead to impulsive decisions, increased transaction costs, and emotional exhaustion. A disciplined approach focusing on high-probability trades improves consistency and long-term profitability.

  • Are BSE and NSE Open on Holi, March 14, 2025?

    Are BSE and NSE Open on Holi, March 14, 2025?

    Holi, the festival of colors, is one of India’s most popular festivals. It celebrates the onset of spring and is a time of joy, celebration, and unity. However, for investors and traders in the Indian stock market, one important question comes to mind—will the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE) be open on Holi, March 14, 2025?

    Knowledge about the stock market holidays is crucial for traders and investors to plan their strategies effectively. This blog will provide clarity on whether Indian stock markets will remain open on Holi 2025 and how market holidays can impact trading activities.

    Stock Market Holidays in India

    The Indian stock market follows a holiday calendar issued by stock exchanges in consultation with regulatory bodies such as the Securities and Exchange Board of India (SEBI). The holidays consist of national holidays, regional holidays, and special trading holidays.

    Market holidays affect trading activities as any significant event can occur, resulting in an increase in volatility when the market opens. Such holidays should be monitored by traders and investors in order to alter their strategies accordingly.

    Holi March 14, 2025: Is There a Stock Market Holiday?

    According to the official holiday calendar issued by BSE and NSE, the Indian stock markets will be closed on March 14, 2025, due to Holi. The equity and derivatives segments will not be available for trading on this day.

    What About the Commodity Market?

    For commodities traders, it is important to check the Multi Commodity Exchange (MCX) and the National Commodity & Derivatives Exchange (NCDEX) holiday calendars. Commodity exchanges have a morning and an evening session. On the occasion of Holi, the morning session will be suspended, and the evening session will be open for trading.

    Impact of the Holiday on Trading and Investment Activities

    Market holidays can significantly influence trading strategies and investor sentiment. The following are some of the important things to note:

    • Liquidity and Trading Volume: A market holiday features no trading activity on that particular day, which can affect market momentum once the market reopens the subsequent trading day, especially if a significant economic event occurs on the holiday. Traders should anticipate reduced liquidity a day before the holiday as most market participants avoid creating new positions.
    • Pre-Holiday Volatility: Investors often adjust their portfolios before the market closes, leading to increased volatility.
    • Global Market Influence: Since international stock markets like NYSE and NASDAQ will remain open, global events occurring on March 14 might influence Indian markets when they reopen.

    Global Market Considerations

    While Indian markets will remain shut during Holi, international markets will function as usual. Investors with international exposure should track foreign indices, exchange rates, and geopolitical developments affecting their holdings when Indian markets reopen on the subsequent trading day.

    What to do when Stock Markets are Closed?

    Even when stock markets are closed, investors can make productive use of their time by:

    • Reviewing and analyzing their investment portfolios.
    • Studying past market trends and economic indicators.
    • Exploring trading opportunities in commodities, forex, and cryptocurrencies (if legally permitted).
    • Reading financial reports and planning future trades.

    Conclusion

    In summary, the BSE and NSE will be closed on March 14, 2025, on the occasion of Holi. Traders will need to manage their positions accordingly, considering pre- and post-holiday market volatility. For the latest holiday schedules, visit the official websites of BSE, NSE, and SEBI. With proper knowledge about the market holidays, the market participants can strategize and adjust their strategies well.

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