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  • What is a Deemed Prospectus?

    What is a Deemed Prospectus?

    Imagine a company wants to sell its shares to thousands of people to raise money. To do this fairly, the law says it must give you a detailed report card called a prospectus. This document tells you everything you need to know as an investor: the company’s health, its goals, and the risks involved, so investors or buyers can make a smart decision. 

    But what if a company doesn’t directly sell you the shares, rather it sells a huge chunk of its shares to a merchant bank (middleman). Then, that bank turns around and offers those same shares to you. It seems like the company is avoiding its duty to give you the full story.

    This is where the law introduces new rules. In this blog, we will understand what a deemed prospectus is. The idea is straightforward: if a document is used to offer a company’s shares to the public, even through an intermediary, the law treats it as a prospectus. For example, when a bank issues an “Offer for Sale” for shares it recently purchased from a company, the law considers that document as the company’s own deemed prospectus. This means the company remains fully accountable for all the information it contains.

    What is a Deemed Prospectus?

    The concept of a deemed prospectus is defined under Section 25(1) of the Companies Act, 2013. It states that if a company allots its shares to an intermediary with the intention of selling them to the public, then the document used for that sale will be treated as a prospectus issued directly by the company. 

    It doesn’t matter what the document is called, if its job is to get the company’s shares into the hands of the public, the law holds the original company responsible. This keeps the company accountable for the information you receive.

    For Example : A company called “XYZ Pvt. Ltd.” needs funds to expand the company. Instead of launching a regular IPO, the company sold a large number of its shares to “ABC Bank” on January 1st. Within the next 6 months the ABC Bank creates a document called an “Offer for Sale” and invites the public to buy XYZ Pvt. Ltd. shares. 

    As the selling of the shares has started within six months, the law gets automatically triggered. The “Offer for Sale” document from ABC Bank is now legally considered the deemed prospectus of XYZ Pvt. Ltd. meaning the directors of XYZ Pvt. Ltd. are fully responsible for information provided by the bank related to the company’s details. 

    When is a Deemed Prospectus Triggered?

    The Six-Month Rule

    The first trigger is set according to the timing, where if the merchant banker (middleman) offers the shares to the public within six months of getting them from the issuing company, the law steps in and a quick sale like this suggests it was never a real investment by the banker but just a step in the company’s plan to reach the public.

    The Unpaid Bill Rule

    The second trigger is set according to the money, here if the issuing company hasn’t received the full payment for the shares by the time the middleman starts selling them, it is concerning. This shows that the company’s payment depends on the public buying of the shares, meaning the company is the one truly raising money from you.

    Read Also: Most Highest Subscribed IPOs

    Significance of a Deemed Prospectus

    • Complete Information: The main role of a deemed prospectus is to provide you with complete and honest information before you plan to invest. It makes the company to be transparent about its functions, fundamentals, business, finances and associated risks.
    • Issuing Company’s Accountability: It holds the company and its directors accountable instead of the middlemen as they are legally responsible for each and every information provided in the deemed prospectus, just as if they had written it themselves.
    • Protects Investors and Builds Trust: By preventing companies from bypassing disclosure through middlemen, the rule strengthens investor protection and builds trust in the fairness and reliability of the securities market.

    Deemed Prospectus vs. Prospectus

    Features Regular ProspectusDeemed Prospectus 
    Issuer Directly issued by the companyIssued by a middlemen like Bank
    OffersIt offers a direct invitation to the publicIt is an indirect offer to the public
    Primary DocumentKnown as “Prospectus”The Document is called ‘Offer For Sale’ but treated as Prospectus under law.
    Responsibility The Company and its directorsBoth the middlemen and the company 

    What is Included in the Deemed Prospectus?

    Deemed prospectus includes all necessary information required as per the normal Prospectus like: 

    • All details about the company history and businesses. 
    • Transparent information about the directors and company’s management.
    • Yearly audited financial reports or we can also say the company’s report card.
    • Clear information about the offered shares.
    • It also tells us the risks that are prominent in the company’s growth. 

    Although Deemed Prospectus also requires two extra details for complete transparency about the deal with the middleman:

    1. The Net Payment: It must state exactly how much money the company received from the middleman for the shares. This lets you see the profit the middleman is making.
    2. The Contract: It must tell you where and when you can go and see the contract signed between the company and the middleman. This provides a paper trail for regulators.

    Liabilities for Wrong Information

    If a deemed prospectus contains misleading or false information, the consequences are severe, just like with a regular prospectus.

    • Civil Liability: If investors lose the invested amount just because of the wrong and misleading information of the prospectus, then they can sue the company, its directors and the banker for compensation. 
    • Criminal Liability: If things turn out to be right and it’s proven that the prospectus was intentionally fraudulent, then the responsible people can face jail time of up to ten years and heavy fines can be imposed depending on the gravity of fraud. 

    Read Also: What is a Confidential IPO Filing?

    Conclusion

    Deemed Prospectus turns out to be a powerful tool that protects the investors money ensuring that the shares offered by the company via deemed prospectus is true, as it is directly provided by the company to the investors. It guarantees that you get the full picture needed to make informed decisions, building a stock market that is safer and more trustworthy for everyone.

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    Frequently Asked Questions (FAQs)

    1. Are Red Herring Prospectus (RHP) the same as Deemed Prospectus?

      No, they are different, an RHP is a draft prospectus for a direct IPO that doesn’t include the final price or number of shares. 

    2. Who is liable for wrong information in a deemed prospectus?

      For any misleading and wrong information the Director as well as the middlemen both are responsible. 

    3. Why are middlemen used instead of a direct IPO by the company?

      It is a faster way to enter the market and also a faster way to raise funds by using the existing middlemen network. 

    4. Main thing to know about a deemed prospectus?

      The most important thing to be known by an investor is that their rights are protected as law treats a deemed prospectus just like a regular one, meaning you are entitled to receive complete and accurate information, and the company is fully accountable for it. 

    5. Deemed prospectus have to be filed with the government?

      Yes. Because it is legally considered a prospectus “for all purposes,” it must be filed with the Registrar of Companies (RoC) before it can be shared with the public, just like any other prospectus. 

  • What Is iNAV in ETFs?

    What Is iNAV in ETFs?

    An Exchange Traded Fund, or ETF, is a simple way to invest, where there is a basket that holds different types of stocks like Nifty 50 ETF which holds shares of the top 50 companies of India. When you invest in one unit of the ETF you get small pieces of all 50 companies in one go.    

    As ETFs are similar to stocks in terms of price change, in an ETF the price also changes every second but how can you decide which exact price is fair for you making an investment. Here comes the role of Indicative Net Asset Value (iNAV) or in simpler terms you can refer to it as live MRP for an ETF as it shows you the real-time fair price of one unit and gets updated in every few seconds.   

    What is iNAV in ETFs and How Does It Work?

    iNAV or Indicative Net Asset Value or to make it more easy to understand it is the real time fair price of one unit of an ETF which gets updated every 15 seconds in India while the market is open.   

    The main job of an iNAV ETF is to be your guide. It helps you to show what one unit of the ETF should be worth at any moment, based on the live prices of all the stocks inside its basket. You can look at the iNAV and compare it with the actual trading price on your screen to see if you’re getting a good deal.   

    How does iNAV Works?

    Let’s understand how an iNAV works by using a simple example:

    Let’s assume an ETF basket only has two company stocks, one is share of Company A and one is share of Company B. To calculate the iNAV, the system constantly checks the live market price of both stocks. It adds them up, makes tiny adjustments for any cash or expenses, and then shows you the fair value of one ETF unit automatically.   

    This gives you a transparent, live value for you to invest in your desired ETFs. This is needed because an ETF is a mix as it trades like a stock, but is actually built like a fund. A normal mutual fund’s price is set only once a day. But since you trade ETFs with other people all day, a once-a-day price is not enough and iNAV solves this problem.

    Read Also: Best ETFs in India to Invest

    Difference Between NAV vs iNAV

    NAV is like the snapshot of information that you get once or typically at the end of the day on the other hand iNAV gives you live updates about all the latest happenings throughout the day. Here are some of the main differences between the both:

    • Calculated: NAV is calculated only once a day, after the market closes whereas iNAV is calculated throughout the day in every 15 seconds.   
    • Product Compatibility: NAV is for traditional mutual funds and iNAV is specially made for ETFs because they trade all day.   
    • Usage: For mutual funds, NAV is the actual price at which traders buy or sell. iNAV is just a guide to check the fairness of the market price for the ETFs as here you trade at the market price, not the iNAV.   
    FeatureNAV (net asset value)iNAV (Indicative net asset value)
    Calculation TimeOnce a day, after the market closes.Every 15 seconds during market hours.
    PortraysThe final, official price for the day.A live, estimated fair value.
    UsageTraditional Mutual Funds.Exchange-Traded Funds (ETFs).
    RelivanceThe actual price you buy or sell at.A guide to check if the market price is fair.

    Why is iNAV Important for You?

    Let’s understand this by looking at a few points related to iNAV.

    • Fair Price Detection: ETFs do not have an exact underlying value, either it can be priced higher (at premium) or lower (at discount) as using iNAV you can spot the differences in real-time, helping you know the fair price of the ETF.   
    • Avoid Overpaying: Using iNAV helps traders with choosing the right fair price as it helps in ensuring that the traders get to know the correct ETF price and not lose money by paying more than it’s worth.    
    • Unlock Opportunities: iNAV is essential for traders who trade throughout the day, as it helps in highlighting the price discrepancies which creates opportunities for arbitrage, the strategy of buying an asset at a lower price and selling it for a higher one almost instantly. 
    • Provides Confidence: If you are planning to hold your ETFs for years iNAV offers valuable transparency because it confirms that your investment is being valued fairly and helps you track your portfolio by telling you if it is on the right path or not.   
    • Crucial for Global ETFs: Global ETFs are susceptible to different prices, currency and even time zone, iNAV helps in comparing all these factors and gives you the information so that you can make an informed decision while buying or selling these global funds. 

    Read Also: Small-Cap ETFs to Invest in India

    How to Track iNAV in Real Time?

    It’s very easy to check the iNAV. Here are the best places to find it:

    1. AMC Websites: You can directly check the official website of the fund house (AMC) that runs the ETF as it is one of the most reliable sources. For example, you can go to the websites of Zerodha Fund House, Motilal Oswal, or Mirae Asset to see the live iNAV for their ETFs.   
    2. Stock Exchange Websites: Both NSE and BSE helps the traders by showing the iNAV on their websites. You just need to look for the term “i-NAV” on the ETF’s page.   
    3. Your Trading App: Most trading apps like Zerodha Kite or Pocketful also show the iNAV, but be a little careful, as the data can sometimes be slightly delayed and a fraction of seconds can give you a different result, so if you are making any big investments then always cross check it on the AMC’s website.   

    Advantages of iNAV

    • Real Picture: iNAV gives you a live, transparent view of an ETF’s fair price.   
    • Better Decisions: It helps the traders in making better decisions whether to buy or sell if the ETF is overpriced (premium) or underpriced (discount).   
    • Keeps Informed: It protects investors from accidentally paying too much price, especially during the bullish market.     

    Disadvantages of iNAV

    • No real price: You can check the price but you can’t place an order to buy at the iNAV as it is just for your market price reference and remember trades will always happen at the real market price.   
    • Delays: The iNAV updates every 15 seconds and in a very fast-moving market, even this tiny delay means the iNAV might be a little behind the real value, so always consider this.   
    • The International Problem: For ETFs that hold foreign stocks (like US stocks), the iNAV can be tricky. While calculating the US market’s ETFs and if the market is closed, iNAV generally uses the previous day’s price making it less useful.   

    Read Also: What is Nifty BeES ETF?

    Conclusion

    iNAV is a simple but very powerful tool for anyone investing in ETFs as it functions as a guide for your busy stock market schedule. It makes investing clearer and gives power to every investor, whether you are a beginner or an expert.

    Remember as a good investor you always need to compare the market price with the iNAV before you click the buy or sell button. This two-second check can save you from bad deals, keep you calm when the market is shaky, and protect you from costly mistakes.By understanding simple ideas like iNAV, you are taking control of your money and making smarter choices for your future.

    S.NO.Check Out These Interesting Posts You Might Enjoy!
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    Frequently Asked Questions (FAQs)

    1. Difference between NAV and iNAV?

      NAV is the official price for a mutual fund, calculated once a day after the market closes. iNAV is a live, estimated price for an ETF, updated every 15 seconds during the day to act as a guide.   

    2. If an ETF’s market price is much higher than its iNAV, should I invest in it or not? 

      If the price is much higher than the iNAV, it means you are overpaying so it’s better to wait for the price to come closer to the iNAV before you make your investment.   

    3. How often is iNAV updated in India? 

      For stock ETFs in India, the iNAV is updated at least every 15 seconds during market hours.   

    4. Is iNAV always 100% correct? 

      It’s a very close estimate, but not perfect. There can be a small delay, also for ETFs with international stocks, the iNAV can be based on old prices if the foreign market is closed, which makes it less accurate at that time. Use it as a reliable guide, not a perfect number.   

    5. Where can I check iNAV? 

      You can directly look for the iNAV from the official websites of the fund houses (AMC) which manages the ETF. Or you can also go on the stock exchange websites like NSE OR BSE to know the fair prices of your desired ETF funds. 

  • Unified Pension Scheme: All You Need to Know

    Unified Pension Scheme: All You Need to Know

    Retirement planning has always been a key financial goal for an individual. For Central Government Employees, there are various retirement schemes such as PPF, NPS, etc. But recently, the Government has introduced another scheme commonly known as “UPS” or “Unified Pension Scheme”, this scheme offers a minimum guaranteed Pension.

    In this blog post, let’s understand about the Unified Pension Scheme, its eligibility criteria, the process to apply and the key difference between NPS and UPS.

    What is the Unified Pension Scheme?

    The Unified Pension Scheme was introduced by the Government of India on 24th August 2024, and it became effective from 1st April 2025 for Central Government Employees. This scheme does not include armed- force personnel. The central Government employees can continue with the National Pension Scheme or switch to UPS. If the employee opts for UPS, they cannot be changed back to NPS. 

    Eligibility Criteria for Unified Pension Scheme

    The following are the eligibility criteria for an individual to become eligible for the Unified Pension Scheme:

    1. Only central Government employees who are serving on 1st April 2025 and are covered under NPS can invest in UPS.
    2. Any new employee joining after 1st April 2025 is eligible for UPS.
    3. Any central Government employee covered under NPS who has taken voluntary retirement on or before 31st March 2025.
    4. The spouse of a Central Government employee, who was an NPS subscriber and passed away before exercising the option to opt for the OPS.

    Who is Not Eligible for the Unified Pension Scheme

    The following persons are not eligible for the Unified Pension Scheme:

    1. Employees retiring from their service before the period of 10 years.
    2. Employees who have been removed from the service.
    3. The Central Government of an employee who has been dismissed from the service.

    UPS Scheme Minimum Pension Amount

    The minimum Pension amount guaranteed under the Unified Pension Scheme will be 10,000 per month only for employees who have completed 10 years of service.

    Benefits of Unified Pension Scheme

    The key benefits of the Unified Pension Scheme are as follows:

    1. Fixed Pension: An individual will receive a fixed sum of amount after their retirement, which is equal to 50% of their average basic pay over the previous 12 months of retirement.
    2. Contribution: The employee will contribute only 10% of their basic salary, whereas the Government contributes 18.5% of the employee’s basic salary.
    3. Family Pension: In case of the demise of the account holder before retirement, 60% of the Pension will be given immediately to the spouse of the Pensioner.
    4. Minimum Amount of Pension: An employee who has completed only 10 years of service and retires is eligible for 10,000 INR of monthly Pension.
    5. Inflation Benefit: The individual will get the benefit of inflation adjustment based on the dearness allowance.

    Read Also: National Pension System (NPS): Should You Invest?

    Process to Apply For the Unified Pension Scheme

    One can apply for the Unified Pension Scheme either online or offline:

    1. Online Process:

    To apply for UPS through online mode, one can follow the steps mentioned below:

    1. First, an employee needs to visit the Protean Website.
    2. On the home page of the website, there is an option for the Unified Pension Scheme. Click on it.
    3. There you will find Register for UPS; however, if you want to migrate NPS to UPS, you can also select the same on this page.
    4. You can fill out the form and submit the details.

    2. Offline Process:

    For the offline process, one can follow the steps mentioned below:

    1. The first step is to visit the Protean website.
    2. You will find a ‘Forms’ section under the Unified Pension Scheme. Download the relevant form depending on your service status.
    3. You need to fill in the form and submit it to the drawing and disbursing officer.
    4. The DDO will check the form and send it to the Pay and Accounts Officer for approval.

    UPS Withdrawal Rule and Conditions

    The conditions related to the withdrawal are based on two rules, namely complete withdrawal or partial withdrawal, the details of which are as follows:

    1. Complete Withdrawal: An employee can withdraw a maximum of 60% of their corpus under the Unified Pension Plan. The remaining amount of the corpus will be utilised towards the regular monthly Pension. However, if the withdrawal is made, the monthly Pension can be reduced proportionately. In case of the death of an employee, their spouse receives 60% of the last Pension for their lifetime.
    2. Partial Withdrawal: An employee can make a partial withdrawal a maximum of three times during their service period. The provision of partial withdrawal is applicable only after a period of three years. Only 25% withdrawal is allowed each time for specific circumstances, such as children’s higher education, medical expenses, etc.

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

    Difference Between UPS vs NPS

    The key difference between the Unified Pension Scheme and the National Pension Scheme is as follows:

    ParticularUPSNPS
    Pension AmountUPS offers a fixed Pension amount.The Pension through NPS depends on the corpus accumulated.
    Minimum PensionA minimum guaranteed Pension of INR 10,000 is provided in this scheme.There is no provision for a minimum Pension.
    EligibilityThis scheme applies only to central Government employees.Both central and state Government employees, along with private individuals, are eligible for NPS.
    Market RiskThere is no market risk in it.As the amount under this scheme is invested in market-linked instruments. Hence, it carries a high risk.
    InflationThe amount of the Pension is adjusted for inflation.There are no provisions for inflation adjustment.
    PortabilityCentral Government employees opting for UPS can port their investment.Portability across sectors applies to it.

    Conclusion

    The recent introduction of the Unified Pension Scheme by the Government of India is a major reform by the Indian Government in providing benefits to Central Government Employees. It offers an assured Pension without any market risk. However, the Pension amount depends on the corpus accumulated by the employee during their service period. However, it is advisable to consult your investment advisor for your comprehensive retirement planning, as it can help you in managing your expenses post-retirement.

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    Frequently Asked Questions (FAQs)

    1. What is the minimum Pension amount under the Unified Pension Scheme?

      If an employee has served a minimum period of 10 years, they will get a minimum Pension of 10,000 INR per month.

    2. Can a private sector employee get a Pension under the Unified Pension Scheme?

      No, a private sector employee cannot invest in the Unified Pension Scheme; therefore, they are not eligible to get a Pension under UPS.

    3. Will UPS provide a Pension to the employee’s family after their death?

      Yes, UPS provides a family Pension scheme, which means that in case of the death of an employee, their spouse or an eligible family member will get 60% of the Pension that the employee would have received.

    4. Can an existing employee opt for the Unified Pension Scheme?

      Yes, an existing central Government employee can opt for the Unified Pension Scheme once in their service tenure. However, once they opt for UPS, they cannot switch back to NPS.

    5. When will the Unified Pension Scheme come into effect?

      The Unified Pension Scheme came into effect from 1st April 2025.

  • Best Investment Options in India 2025

    Best Investment Options in India 2025

    The year 2025 presents both new opportunities and challenges for investors. The Indian economy continues to grow, and stable interest rates have further improved the investment climate. At such a time, the biggest question is where and how to invest money to get good returns while minimizing risk? In this article, we will tell you about investment options for 2025 that are reliable and can help you achieve your financial goals.

    What Defines a “Good Investment” in 2025?

    A good investment is one where your money is safe and grows. It’s not just about getting high returns but also about having access to your money when you need it. The right investment is one that aligns with your life and goals, such as funding your children’s education, purchasing a house, or planning for retirement.

    1. Safety: The first rule of any investment is that your money shouldn’t be lost. If you have any doubts, choose reliable options like PPF, Post Office schemes, or government bonds. These may offer lower returns, b:ut they provide greater peace of mind.
    2. Returns: Everyone wants their money to grow, but the smart approach is to ensure the returns are higher than the inflation rate. By taking a calculated risk and investing wisely, you can achieve a good balance between equity and debt, which can provide a return higher than the inflation rate.
    3. Liquidity: Always keep some money in investments that can be easily accessed. You never know when you might need money in life. Fixed deposits or liquid funds are very useful in such situations.
    4. Taxes: Earnings only matter if there’s something left after paying taxes. Some investments like NPS or SGB are considered better from a tax perspective. Therefore, always consider the tax implications before making an investment.
    5. Goals: Every investment should have a purpose. If you plan to buy a car in two years, invest in a safe option. But if you are planning for retirement in ten years, choose growth-oriented options. The real benefit of an investment comes when it serves its purpose at the right time.

    Low-Risk Investment Options

    If you’re looking for an investment where your money is safe and you receive stable returns, these options are right for you. While the profits may be slightly lower, you’ll definitely have peace of mind.

    1. Fixed Deposits (FDs) : FDs have always been the most reliable way to make a safe investment. Here, your money is locked in for a fixed period, and you know in advance how much interest you will receive. Currently, interest rates in most banks are between 6% and 7%. This option is best for those who want stable and risk-free returns.
    2. Public Provident Fund (PPF) : If you are looking for a safe investment for the long term, PPF is a great option. It comes with a government guarantee, an interest rate of 7.1%, and the earnings are completely tax-free. It can be used for retirement or long-term goals.
    3. Post Office Schemes : Post office schemes like NSC and Senior Citizen Savings Scheme are suitable for investors who want stable returns and don’t want to take any risks. These schemes offer both government security and a fixed interest rate.
    4. RBI Bonds and Treasury Bills : If you want your money to be completely safe, RBI bonds and Treasury Bills are a good option. These are issued directly by the government, so there is no risk of default.

    Read Also: Best Safe Investments with High Returns in India

    Medium-Risk Investment Options

    These investments are suitable for people who want to grow their money moderately but cannot tolerate significant fluctuations. They generally offer better returns than fixed deposits and do not involve excessive risk.

    1. Target Maturity Funds (TMFs) : These are mutual funds that have a fixed maturity date. This means you know in advance when you will receive your money. These funds include government and PSU bonds, making them safe and providing good returns.
    2. Hybrid Mutual Funds : These funds are a mix of both equity and debt. The advantage is that returns increase when the market performs well, and losses are limited when the market falls. This is a good option for those who want to start investing in the stock market.
    3. Sovereign Gold Bonds (SGBs) : This is the best way to invest in gold. It is government-guaranteed, provides a small annual interest, and is tax-free on maturity. It’s a good way to stabilize your portfolio in the long term.
    4. REITs and InvITs : If you want to invest in real estate or infrastructure without buying any property, these two are excellent options. They provide regular income similar to rent, and the value of the asset can also appreciate over time.

    Tax-Efficient Investments

    Most people focus only on returns when investing, but they forget about the taxes they’ll have to pay. The reality is that the real benefit is what’s left after paying taxes. Therefore, before investing, it’s important to understand which method is more tax-efficient.

    1. Debt Mutual Funds: These funds no longer offer the same indexation benefits as before, meaning any profits will be taxable according to your income tax bracket. However, due to their liquidity and transparency, they are still considered slightly better than FDs.
    2. Sovereign Gold Bonds (SGBs): These are government-guaranteed and tax-free upon maturity. They also offer a small amount of interest annually. If you want to invest in gold but also avoid taxes, this is the cleanest and simplest method.
    3. National Pension System (NPS): This is a good and tax-friendly option for retirement planning. It offers an additional tax deduction of up to ₹50,000, which is not available in any other scheme. In the long term, it proves to be a safe and disciplined investment.
    4. Equity Mutual Funds and ELSS: If you want to save on taxes and grow your money, then ELSS is the right choice. It has a three-year lock-in period and offers a tax deduction of up to ₹1.5 lakh.

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

    Best Way to Invest Money by Goal 

    GoalTime PeriodBest OptionAverage return (per year)Risk Level
    Emergency Fund0–2 yearsFixed deposits, liquid funds5%-7%Less
    Saving for a home3–5 yearsTarget Maturity Fund, Hybrid Fund7%-9%Medium
    Children’s Education7–10 yearsEquity Mutual Funds, ELSS10%-12%High
    Retirement Planning15 years or olderNPS, Index Funds, SGB9%-11%Medium–High
    Gold or security fundAt any timeSGB, Gold ETF6%-8%Medium low

    Model Portfolios for Different Risk Profiles

    Type of investorInvestment ObjectivePortfolio StructureExpected Outcome
    Conservative InvestorProtecting capital50% Fixed Deposit / TMF, 30% PPF / SSS, 10% SGB, 10% Large Cap FundStable returns, low risk, money is safe.
    Balanced InvestorA little growth, A little Security.40% Equity Fund, 35% TMF, 10% SGB, 10% REIT/InvIT, 5% Liquid FundMid-level returns, balanced risk.
    Aggressive InvestorLong-Term Growth60% Equity (Large + Mid Cap), 20% NPS, 10% Global Fund, 5% SGB, 5% TMFHigh returns, slightly higher risk.

    Common Mistakes to Avoid When Investing

    1. Not Understanding Risk : Many times, people invest simply by following others, without considering how much risk they can handle. Everyone’s financial situation is different. The stock market might be right for some, but not for others. Investing without understanding your risk tolerance is one of the biggest mistakes.
    2. Chasing Past Returns : People often invest in funds or stocks that performed well in the previous year. But the market doesn’t always behave the same way. What was at the top yesterday might be at the bottom today. Therefore, making decisions based solely on past returns is not wise.
    3. Investing in Too Many Funds : More funds don’t necessarily mean more profit. On the contrary, it complicates your portfolio and makes it difficult to track. Stick to a few good and reliable funds to maintain better control.
    4. Ignoring Taxes and Charges : Many people invest only by looking at returns, but they don’t consider taxes or exit loads. These small details can significantly reduce your net return. Therefore, always understand the tax structure before investing.
    5. Not Creating an Emergency Fund : Many people invest all their money, but don’t keep anything aside for emergencies. When a sudden need arises, they have to liquidate their investments at a loss. Always keep an emergency fund equivalent to at least six months’ worth of expenses.

    Read Also: Types of Investment in the Stock Market

    Conclusion 

    Putting money in is only one aspect of investing; another is making sure it goes in the right direction. Your needs and time horizon should be taken into consideration when selecting an option. The best long-term outcomes come from consistent, deliberate investing that is not hurried. Your money will only grow steadily if you do this.

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    Frequently Asked Questions (FAQs)

    1. What is the safest investment option in India?

      PPF, RBI Bonds, and Post Office Schemes are considered the safest because they are backed by the government.

    2. Which investment gives the best returns?

      Equity mutual funds and NPS offer good returns in the long term if you invest regularly.

    3. Is SIP better than a lump sum investment?

      Yes, with SIP, you invest gradually, which reduces the impact of market fluctuations.

    4. How much should I invest monthly?

      It is generally considered best to allocate about 20-30% of your income towards investments.

    5. Gold or Mutual Funds which is better?

      Gold is considered safe, while mutual funds offer better growth in the long term.

  • Best Energy ETFs in India 2025

    Best Energy ETFs in India 2025

    The energy sector in India is in the news these days. Rising power demand, fluctuating oil and gas prices, and rapidly expanding renewable projects have all brought this topic back into the spotlight. Many investors are now wondering how to invest comfortably in this transition, and that’s where energy ETFs become a convenient option. In this blog, we’ll explore the available energy ETFs in India, how they work, and which option might be right for you.

    What are Energy ETFs?

    An Energy ETF is a fund that offers the opportunity to invest in multiple energy-related companies. These include companies such as oil and gas, power generation, power grids, refining, and sometimes renewable energy. You buy and sell them on the exchange just like stocks, but you get a mix of exposure to the entire sector; there’s no reliance on a single company.

    Energy Sector ETF India vs. Broad Energy ETFs

    Two types of energy ETFs are available in India:

    Energy Sector ETF India : These are ETFs that follow a specific index—such as the Nifty Oil & Gas or Nifty Energy Index. They mostly include major companies in the oil, gas, and power sectors. This structure is considered more stable and less volatile.

    Broad Energy or Thematic ETFs : These funds cover traditional energy as well as renewables, equipment manufacturers, grid companies, or global clean-tech firms. This option is for investors who believe in the energy transition and want long-term growth.

    Why are ETFs considered better than individual stocks?

    In the energy sector, the risk and performance of individual companies can vary significantly; sometimes crude prices fall, affecting refining companies, or sometimes power utilities rise, boosting demand. ETFs balance these fluctuations because:

    • Investments are spread across multiple companies
    • Risk is reduced
    • Research becomes easier
    • Long-term returns are relatively stable
    • Can be bought and sold at any time, just like stocks.

    Read Also: List of Best Commodity ETFs in India

    Top Energy ETFs in India

    S.NoFund NameCurrent Price52 Week low52 Week highAUM (Rs Cr)
    1CPSE ETF92.7574.9096.1630,725 Cr
    2ICICI Prudential Nifty Oil & Gas ETF12.269.4012.66223 Cr
    3Mirae Asset Nifty Energy ETF Share Price35.9735.8440–
    4Groww BSE Power ETF10.049.4411.20–
    5Aditya Birla Sun Life Nifty 50 ETF30.3120.3730.733,190 Cr
    (Data as of 21 Nov 2025)

    1. CPSE ETF

    The CPSE ETF offers a simple way to invest in select Indian public sector companies, providing exposure to key sectors like energy, power, and defense through a single fund. Its portfolio includes large PSU companies like NTPC, Power Grid, and Bharat Electronics, which are considered stable in their respective sectors. The fund’s expense ratio is kept quite low, making it an affordable option for long-term investors. The CPSE ETF is ideal for those seeking public sector stability, regular cash flows, and diversified exposure to energy-intensive companies.

    Returns : 

    Particular1Y Return3Y Return 5Y Return
    Fund Returns5.09%34.6%39.01%

    Fundamentals : 

    No Of Stocks 11
    Expense Ratio0.07
    Portfolio P/E Ratio 14.66
    Portfolio P/B Ratio 2.12

    2. ICICI Prudential Nifty Oil & Gas ETF

    The ICICI Prudential Nifty Oil & Gas ETF is a thematic ETF based on India’s oil and gas sector, tracking the Nifty Oil & Gas Index. Its focus is on leading companies involved in exploration, refining, marketing, and gas distribution. The fund’s holdings include major names such as Reliance Industries, ONGC, Oil India, BPCL, and HPCL, providing coverage of the entire sector in a single ETF. Its low expense ratio and simple structure make it suitable for investors seeking focused exposure to the energy industry and adding an oil and gas theme to their portfolio.

    Returns : 

    Particular1Y Return3Y Return 5Y Return
    Fund Returns15.04%-2.72%–

    Fundamentals : 

    No Of Stocks 15
    Expense Ratio0.40
    Portfolio P/E Ratio 12.30
    Portfolio P/B Ratio 1.62

    3. Mirae Asset Nifty Energy ETF

    The Mirae Asset Nifty Energy ETF is a good option for investing in the energy sector in India, primarily covering oil, gas, power, and renewable companies. This ETF aims to track the Nifty Energy Total Return Index, allowing investors to participate in the entire energy cycle. For example, the index has a weighting of approximately 50% in Oil & Gas, 25% in the Power sector, and 25% in Capital Goods/Infrastructure. This mix makes it suitable for investors who want to participate in India’s energy transition, not just traditional energy.

    Returns : 

    Particular1Y Return3Y Return 5Y Return
    Fund Returns-7.69%––

    4. Groww BSE Power ETF

    Groww BSE Power ETF offers exposure primarily to India’s power sector (generation, transmission, and power utilities). The fund holds a significant portion of its exposure to large companies such as NTPC Ltd (21.1%) and Power Grid Corporation of India Ltd (17.3%). Its total equity exposure is approximately 99.6%, and it also includes 29.5% exposure to the industrial capital goods sector. The expense ratio is approximately 0.43%. This fund is therefore suitable for investors seeking to participate in the long-term opportunities of the Indian power sector.

    Returns : 

    Particular1Y Return3Y Return 5Y Return
    Fund Returns1.21%1.21%–

    5. Aditya Birla Sun Life Nifty 50 ETF 

    Aditya Birla Sun Life Nifty 50 ETF is a leading index-tracking ETF in India that follows the composition of the Nifty 50. Its objective is to invest in a mix of broad-based companies included in the index, such as banks, energy, IT, and consumer goods. The fund is spread across approximately 51 stocks, and its expense ratio is also very low around 0.04% making it a cost-effective investment option. The P/E ratio is around 22.9, which is close to the market average. Investors can choose this ETF to gain access to large-cap stable companies in their portfolio, especially if they want a broader Indian equity mix rather than an energy-themed one.

    Returns : 

    Particular1Y Return3Y Return 5Y Return
    Fund Returns12.1%13.7%16.66%

    Fundamentals : 

    No Of Stocks 51
    Expense Ratio0.04
    Portfolio P/E Ratio 22.91
    Portfolio P/B Ratio 3.46

    Read Also: Best ETFs in India to Invest

    1. Renewable Energy is Growing Rapidly : Solar and wind projects in India have grown rapidly over the past few years. By June 2025, approximately 226-227 GW of renewable capacity existed. This means that the share of clean energy in the country is steadily increasing. The government has set a target of 500 GW of non-fossil capacity by 2030, so new solar and wind plants are constantly being commissioned. This is why investors are now showing greater interest in green energy.
    2. Conventional Energy Still a Significant Share : Renewables are growing, but most of the country’s electricity still comes from coal, oil, and gas. In FY 2024-25, approximately 74% of total electricity generation was from fossil sources. This is why companies like NTPC, Power Grid, ONGC, and Coal India still play a significant role in energy ETFs. These companies are considered stable, so their weighting in ETFs remains high.
    3. Government policies are guiding the sector : Over the past two years, the government has significantly focused on solar rooftops, large solar parks, renewable tenders, and grid improvements. Renewable power generation also increased by over 24% in the first months of 2025. While there are occasional issues such as project delays and tender cancellations, overall, the sector is considered a strong investment option. This environment is beneficial for ETF investors, as they gain exposure to both traditional and green companies.

    Types of Energy ETFs Available for Indian Investors

    1. Oil & Gas ETFs

    These ETFs track indices based on India’s oil and gas sector, including companies like ONGC, Oil India, Reliance, BPCL, and HPCL. The advantage of these ETFs is that you get exposure to the entire energy sector oil and gas in a single fund. This option is ideal for investors who understand crude oil price trends and the traditional energy sector and want exposure to stable large players.

    2. Power & Utilities ETFs

    This category includes ETFs that invest in power generation, transmission, and distribution companies—such as NTPC, Power Grid, Tata Power, and other utility companies. These are generally businesses with stable demand, so their risk is considered slightly lower than oil and gas. This option is good for investors seeking steady and less volatile energy exposure.

    3. Green Energy / Renewable Energy–Focused Funds 

    Pure-play Green Energy ETFs are currently limited in India, but some thematic funds and some index-based products offer indirect exposure to renewable companies—such as solar, wind, equipment makers, and clean-tech companies. This option is for those who believe in the energy transition and want long-term growth-based exposure.

    4. International Clean Energy ETFs (Global Exposure)

    If investors seek pure-play exposure to clean energy, investing in global clean-energy ETFs through Indian brokers can be done. These include solar module manufacturers, wind turbine companies, battery technology, and global utility giants. This option is ideal for investors who want to diversify and take advantage of clean-tech growth outside India.

    Read Also: Best Silver ETFs in India

    How to Evaluate an Energy ETF Before Investing

    1. Check the Fund’s Size and Trading Activity

    First, consider the amount of money invested in the ETF and its daily trading activity. If the fund is too small or has few buyers and sellers, it can be challenging to buy or sell shares. Choose an ETF that trades moderately daily to make entry and exit easier.

    2. Expenses and Index Tracking

    Every ETF has a small expense, and it’s also important that it accurately tracks its index. Pay attention to two things: reasonable expenses and the fund’s performance doesn’t deviate significantly from its benchmark. This gives you an idea of ​​the fund’s management’s integrity.

    3. Companies the Fund Invests In

    Looking at the list of ETFs can help you understand the types of companies your money is investing in. Some ETFs have a higher oil and gas portfolio, while others have a higher share of power companies. It’s important to consider which sector the fund focuses on the most and whether it resonates with you.

    4. How well it matches your own portfolio

    Sometimes we already hold some energy companies. If the same companies are repeated in an ETF, the portfolio becomes overly heavy in one sector. Before buying an ETF, take a look at your existing stocks and see if there’s excessive duplication.

    5. Is the ETF’s focus clear or mixed?

    Some ETFs focus solely on conventional energy, while others also include a small amount of renewable energy. Determine this based on your needs—whether you want exposure to the renewable energy sector, only green energy, or a little bit of both. This makes it easier to choose.

    Risks to Consider Before Investing in Energy ETFs

    1. Policy Risk : Government policies significantly impact the energy sector especially renewable projects. Changes in regulations, stalling of tenders, or delays in approvals directly impact fund returns. Therefore, it is important to monitor policy updates.
    2. Fluctuations in Oil & Gas Prices : If an ETF has a high share of oil and gas companies, the impact of international crude prices is immediately visible. If prices rise, the companies benefit, and if they fall, the ETF may also come under pressure. This risk always exists.
    3. Liquidity and Spread Issues : Some energy ETFs are thinly traded. When buying or selling in such funds, the price may differ from your expectations due to the large bid-ask spread. Therefore, it is important to monitor trading volume.
    4. High Concentration in Holdings : Many ETFs rely heavily on a few large companies. If the performance of those 2-3 companies deteriorates, the entire ETF could be affected. Be sure to check the fund’s concentration.
    5. The Impact of Index Rebalancing : The ETF rebalances with the index it tracks. If the index changes frequently, short-term performance may fluctuate slightly. It’s best to understand this before investing.

    Read Also: Top Smart Meter Stocks in India

    Conclusion 

    The energy sector is currently experiencing a dynamic dynamic renewables are gaining momentum, while traditional energy remains essential. The unique advantage of energy ETFs is that they capture the full spectrum of change in one place. If you’re interested in venturing into this theme, consider the ETF’s exposure, its risks, and your needs. Start small and build your understanding over time. That’s the easiest approach.

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    Frequently Asked Questions (FAQs)

    1. What is an Energy ETF?

      It’s a fund that invests in multiple companies in the energy sector.

    2. Are Energy ETFs good for beginners?

      Yes, because there’s no reliance on a single company and the risk is balanced.

    3. Is there any pure Green Energy ETF in India?

      Currently, there are very few ETFs directly focused on green energy, but some funds offer a renewable component.

    4. How much should I invest in Energy ETFs?

      Depending on your needs and risk tolerance, it’s considered appropriate to invest 5-10%.

    5. Do Energy ETFs carry high risk?

      They fluctuate due to factors such as oil and gas prices, policies, and project delays.

  • Radhakishan Damani Portfolio 2025: Stocks & Strategy Insights

    Radhakishan Damani Portfolio 2025: Stocks & Strategy Insights

    When people talk about India’s most disciplined and quietly successful investors, Radhakishan Damani always makes the list. Known for building DMart into a retail empire, he’s also a master of smart, long-term investing. 

    What makes the Radhakishan Damani portfolio stand out is not flashy bets. But his insights and patience in investing have helped him build a portfolio that grows with time and ensures a stable return.

    In this guide, we’ll look at the Damani portfolio. This will be followed by a quick analysis of the strategy for investing. Let us explore all the details here.

    Who is Radhakishan Damani?

    Radhakishan Shivkishan Damani is one of the visionary leaders. He is the one who changed the retail industry drastically. He was born on July 12, 1955. He belongs to Bikaner, Rajasthan. With his tactics and strategy, he developed investing plans that have made him one of India’s most respected investors. 

    He is the man behind DMart. This brand needs no introduction. It is one of the largest retail chains which has helped people to get the best quality products at a budget. 

    To build his career, he moved to Mumbai and started working on Dalal Street. He was known for his calm and composed nature. This not only helped in his personal life but also while performing trades. This was his unique personality that made him stand out.

    Before becoming an entrepreneur, he spent years studying businesses. He started by identifying companies with lasting value. This simple yet powerful mindset shaped both his investment strategy and the foundation of DMart. Today, his brand is known for its customer-first model and efficient operations.

    He is often called the “Retail King of India.” Damani believes in staying patient. He is the one who focuses on the fundamentals and allows the stocks to have time to offer the benefit of compounding. 

    Some of the key awards he earned are:

    • Padma Bhushan (2018)
    • Ernst & Young Entrepreneur of the Year (2017)
    • Forbes India Business Leader of the Year (2016)
    • Economic Times Businessman of the Year (2015)

    But what makes him so known in the world is his portfolio and holdings. Each of these is curated with deep insight to ensure that he earns well in all market conditions.

    Radhakishan Damani Portfolio

    Based on the latest information, the RK Damani portfolio is about Rs. 180,839.6 Cr. It holds the stocks from various companies, which are listed below:

    StockHolding Value (₹ Cr)Quantity HeldSep 2025 Holding %Jun 2025 Holding %
    Avenue Supermarts1,76,640.243,74,44,72067.20%67.20%
    VST Industries1,247.14,94,30,14829.10%29.10%
    Sundaram Finance1,237.126,30,4342.40%2.40%
    3M India591.01,66,7001.50%1.50%
    United Breweries561.732,52,3781.20%1.20%
    TSF Investments217.941,70,4341.90%1.90%
    Blue Dart Express163.62,81,7701.20%1.20%
    Bhagiradha Chemicals108.443,06,4873.30%3.30%
    BF Utilities24.93,81,0001.00%1.00%
    Advani Hotels21.338,60,0184.20%4.20%
    Aptech18.417,57,3173.00%3.00%
    Mangalam Organics10.11,86,1872.20%2.20%
    (Data as of September,2025)

    NOTE: All the information in the table is based on the external public sources. They are bound to change. The details shared here are only for informational and educational purposes.

    Overview of Radhakishan Damani’s Portfolio Holdings

    Most of his holdings remain unchanged quarter after quarter. This shows he is an investor with a high level of patience and has confidence in the companies he invests in. Before we dive deep into his strategy, let us quickly explore the brief on the Radhakishan Damani stock list here:

    Avenue Supermarts

    The core of the Radhakishan Damani portfolio. This is his venture with DMart. His holding represents his belief in India’s retail story. This is focused on efficiency, customer value, and scale. This investment showcases his vision for long-term, sustainable growth in consumer-driven businesses.

    VST Industries

    This is a stable FMCG company that fits Damani’s low-risk, dividend-oriented approach. Its consistent profits, strong brand loyalty, and pricing power make it a dependable asset within the Damani portfolio focused on steady returns.

    Sundaram Finance

    It is a trusted financial services firm. It is known for prudent management and stable performance. Its consistent growth in vehicle financing and lending reflects Damani’s preference for reliability in the Damani portfolio.

    3M India

    A global innovation-led company offering exposure to multiple sectors like healthcare, safety, and consumer goods. This stake adds an international dimension to the Radhakishan Damani portfolio. This shows a better balance between domestic and global growth.

    United Breweries

    It is the market leader in beverages. It is one with powerful brands and consistent earnings. It strengthens the Radhakishan Damani stock list by offering consumer stability and predictable cash flows.

    TSF Investments

    A financial holding company that adds depth to Damani’s exposure in financial services. It represents his long-term belief in compounding wealth through disciplined, asset-backed businesses.

    Blue Dart Express

    It is one of the key logistics players benefiting from India’s booming e-commerce sector. It is one with a strong network and reliable operations. This makes it a strategic pick in the supply chain and retail ecosystem.

    Bhagiradha Chemicals

    A high-growth agrochemical company that demonstrates his interest in niche manufacturing. The stock’s export potential and strong fundamentals add balance and diversification to the Radhakishan Damani stock list.

    BF Utilities

    This investment aligns with India’s infrastructure expansion. It reflects Damani’s confidence in long-term national growth themes like energy, utilities, and industrial development.

    Advani Hotels

    This holding reflects his strategic diversification into the hospitality sector. With rising domestic tourism and urban lifestyle changes, Advani Hotels offers cyclical growth potential aligned with India’s expanding travel market.

    Aptech

    This is one of the finest education companies in the Damani portfolio. This highlights his confidence in the skill development sector. It aligns with the growing demand for digital learning and upskilling opportunities. This is valid across emerging industries.

    Mangalam Organics

    This specialty chemical firm fits Damani’s focus on scalable mid-cap companies. Its steady demand from FMCG and industrial sectors offers healthy margins and long-term value creation potential.

    Read Also: Raj Kumar Lohia Portfolio 2025: Holdings, Strategy & Analysis

    Sector-Wise Analysis

    The Radhakishan Damani portfolio is built around a clear understanding of India’s economic growth and consumer potential. His investments are spread across key industries that provide both stability and consistent returns over time.

    • Retail: Avenue Supermarts leads his portfolio, showing his long-term conviction in India’s consumption story and the strength of DMart’s efficient business model.
    • FMCG: Stocks like VST Industries and United Breweries provide defensive stability. This ensures steady dividends and resilience during market volatility.
    • Finance: Investments in Sundaram Finance and TSF Investments reflect his faith in strong financial institutions. These are the companies with disciplined lending and solid management.
    • Chemicals: Bhagiradha Chemicals and Mangalam Organics add exposure to niche manufacturing and export-oriented industries with high margins.
    • Logistics and Services: Blue Dart Express represents his belief in the rise of e-commerce and logistics as essential enablers of retail growth.
    • Education and Hospitality: Holdings like Aptech and Advani Hotels show his interest in long-term service-based sectors that benefit from India’s growing middle-class lifestyle.

    This mix proves Damani’s balanced approach of blending consumption, finance, and niche manufacturing to create a portfolio that grows steadily through economic cycles.

    Investment Strategy of Damani Portfolio 

    The Damani portfolio strategy follows timeless investing principles. These are based on ideas like patience, discipline, and a deep understanding of businesses. Some of the key aspects that his strategy follows are:

    • Value Investing: He buys companies trading below intrinsic value. But at the same time, he also focuses on the strong fundamentals and growth visibility. This offers positive returns in the long run.
    • Long-Term Holding: Once invested, he remains committed for years. This allows the company to offer him the benefit of compounding. Also, you are freed from constant changes and analysis which can be time-consuming.
    • Quality over Quantity: Damani prefers fewer but high-quality stocks. He invests in the sectors and companies that he understands well. This is a sign of his preference and trust in focused investing.
    • Strong Management: He values companies led by ethical, efficient, and visionary management teams. In fact, these are the companies that are capable of steady growth.
    • Low Debt and Clean Balance Sheets: His stock choices reflect his preference for financially sound businesses with stable cash flows.
    • India-Focused Growth: The Radhakishan Damani stock list shows his alignment with India’s long-term consumption and retail expansion themes.

    Through this disciplined, fundamentals-first approach, Damani has created a portfolio that withstands market volatility and continues to compound wealth consistently.

    Read Also: 10 Top Investors In India And Their Portfolios

    Learnings for Investors from Rakesh Damani portfolio

    The Radhakishan Damani portfolio teaches simple but powerful lessons. It is something that any investor who is looking to build long-term wealth should try to use in their planning. His success proves that discipline and patience matter more than timing or luck. The key lessons are as follows:

    • Patience Pays: Damani’s approach shows that wealth grows over time. So, if you are looking to build a good portfolio, then this is something you need. Waiting and giving the fund time to grow through market movements can be helpful.
    • Know What You Own: He only invests in businesses he fully understands. This is a sign that the investors must do detailed research well before buying any stock.
    • Focus on Fundamentals: Every company in the Damani portfolio has similar positive aspects. These are ones with strong management, low debt, and a steady record of profits. This ensures lasting value.
    • Quality Over Quantity: It is better to invest in a company that offers you good returns and is strong. Spreading across low-performing companies is bad and should be avoided.
    • Think Like an Owner: Damani invests as if he owns the business. This means he is not just there for some time, but he believes in the business and stays for long, even during market volatility.
    • Stay Consistent: His journey shows a steady and disciplined strategy. These are rooted in solid fundamentals. This is one of the reasons why his portfolio can outperform short-term trading or speculation.

    These lessons are a guide to wealth building and stability.

    Conclusion

    The Radhakishan Damani portfolio stands as a perfect example of how patience and discipline can build lasting wealth. He is one who invests after detailed analysis and understanding. He follows the simple rules of patience, compounding, and confidence, that helps him to grow his portfolio with reduced risk. 

    This is what the new investors need to learn from him. Following his simple ideology, you can not only invest for the long term but can also ensure that you gain good returns over time. Patience, research, and compounding are the key to positive outcomes. 

    For more such informative insights on top investors, stock strategies, and market trends, visit Pocketful. Stay informed, stay smart, and make better investment decisions with experts on your side.

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    Frequently Asked Questions (FAQs)

    1. What is the total value of the Radhakishan Damani portfolio in 2025?

      The Radhakishan Damani portfolio is around ₹1.8 lakh crore. In his portfolio, Avenue Supermarts holds the majority shares.

    2. Which is the largest stock in Radhakishan Damani’s portfolio?

      Avenue Supermarts (DMart) is his biggest investment. It contributes to almost 67% of the total holdings.

    3. What type of investor is Radhakishan Damani?

      He is a value investor who prefers to go for long-term investing. He prefers detailed research, patience, and confidence in his plan.

    4. How often does Radhakishan Damani make changes to his portfolio?

      The Damani portfolio is still the same for quite a long time. He follows a simple strategy for compounding and does not change his portfolio often.

    5. What lessons can investors learn from Radhakishan Damani?

      Investors can learn the importance of patience and trust in trading. They can learn how detailed analysis, market understanding, and confidence can help them with wealth creation.

  • Best Index Funds in India 2025

    Best Index Funds in India 2025

    If you want to start investing wisely in 2025, index funds can be an excellent option for you, especially if you are searching for the best index funds in India that offer stable and low-cost diversification. The demand for the top index funds in India is constantly growing today because these funds offer exposure to the entire market at a low cost and have the potential to deliver stable returns in the long term. Recently, SEBI has further tightened transparency related to tracking error and tracking difference, making it easier for investors to choose the right fund. In this blog, we will explore which top index funds in India are best in 2025 and how to choose them wisely.

    What Are Index Funds and How Do They Work?

    An index fund is a type of mutual fund that replicates the performance of a market index, such as the Nifty 50 or Sensex. This means the fund invests in the same companies included in that index and in the same proportions. Its goal is not to outperform the market, but to track its performance.

    How Index Funds Work?

    Investing in this fund means your money is invested in all the companies included in that index. The fund manager doesn’t select individual stocks; they simply update the portfolio when the index changes. This is why these funds have lower costs and their returns closely track the index.

    10 Best Index Funds in India 2025

    Below is a curated list of the best index funds in India that have shown strong consistency and long-term potential :

    S.NoFund NameCurrent NAVAMU(Cr.)3Y Return Annualised (%)Expense Ratio (%)
    1Motilal Oswal Nifty Midcap 150 Index Fund₹38.10₹263122.50%0.26%
    2Nippon India Nifty Smallcap 250 Index Fund₹33.13₹256321.68%0.35%
    3Nippon India Nifty Midcap 150 Index Fund₹25.78₹203023.47%0.30%
    4DSP NIFTY Next 50 Index Fund₹26.98₹113517.96%0.28%
    5Motilal Oswal Nifty Smallcap 250 Index Fund₹38.17₹104222.08%0.33%
    6Kotak Nifty Next 50 Index Fund₹20.37₹80917.74%0.10%
    7Nippon India Nifty Next 50 Junior BeES FoF₹26.26₹63117.78%0.12%
    8ICICI Prudential Nifty Smallcap 250 Index Fund₹17.34₹57121.92%0.30%
    9Aditya Birla Sun Life Nifty Midcap 150 Index Fund₹25.20₹40522.55%0.44%
    10Aditya Birla Sun Life Nifty Smallcap 50 Index Fund₹21.03₹24826.03%0.46%
    (as on 31st October, 2025)

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

    1. Motilal Oswal Nifty Midcap 150 Index Fund

    The Motilal Oswal Nifty Midcap 150 Index Fund is a good option for those looking to invest in mid-cap companies. This fund tracks the Nifty Midcap 150 Index, which comprises 150 strong and emerging companies in India. The fund’s portfolio is quite diversified and includes well-known companies such as BSE Ltd., Hero MotoCorp, Dixon Technologies, Suzlon Energy, PB Fintech, HDFC AMC, Coforge, Cummins India, Persistent Systems, and Fortis Healthcare. Motilal Oswal AMC was established on November 14, 2008, and today manages total assets of approximately ₹92.51 lakh crore. This fund is suitable for investors seeking stable and balanced returns over the long term without taking on excessive risk.

    Fund Performance

    ParametersValue
    Alpha0.07%
    Beta1.00
    Sharpe Ratio1.03
    P/E32.22
    (as on 31st October, 2025)

    2. Nippon India Nifty Smallcap 250 Index Fund

    The Nippon India Nifty Smallcap 250 Index Fund is a good option for investors looking to invest in small-cap companies. This fund tracks the Nifty Smallcap 250 Index, which comprises 250 emerging Indian companies that have the potential for rapid growth in the future. Its portfolio includes companies like Multi Commodity Exchange, Laurus Labs, CDSL, Delhivery, Radico Khaitan, and Kaynes Technology, all of which hold strong positions in their respective sectors. This fund is managed by Himanshu Mange and is operated by Nippon India Mutual Fund. This AMC has been operating since February 24, 1995, and manages assets worth approximately ₹573.67 lakh crore. This fund is suitable for investors who are seeking growth in small-cap stocks and are willing to take on a moderate level of risk.

    Fund Performance

    ParametersValue
    Alpha-0.13%
    Beta1.02
    Sharpe Ratio0.83
    P/E34.23
    (as on 30th September, 2025)

    3. Nippon India Nifty Midcap 150 Index Fund

    The Nippon India Nifty Midcap 150 Index Fund is designed for investors who want to participate in the growth of the mid-cap segment. This fund tracks the Nifty Midcap 150 Index and invests in 150 emerging Indian companies that have the potential to become large-cap companies in the future. Its portfolio includes companies such as BSE Ltd., Hero MotoCorp, Dixon Technologies, Suzlon Energy, PB Fintech, HDFC AMC, Coforge, Cummins India, Persistent Systems, and Fortis Healthcare. The fund is managed by Himanshu Mange and is offered by Nippon India Mutual Fund. This AMC has been active since February 24, 1995, and currently manages assets worth approximately ₹573.67 lakh crore. The fund is known for its low costs and stable returns.

    Fund Performance

    ParametersValue
    Alpha-0.14%
    Beta0.99
    Sharpe Ratio1.01
    P/E32.17
    (as on 30th September, 2025)

    4. DSP Nifty Next 50 Index Fund

    The DSP Nifty Next 50 Index Fund is an excellent fund for those who want to invest in the next line of companies after the large-cap companies. This fund tracks the Nifty Next 50 Index, which includes several strong and growing companies. Its portfolio includes companies like Hindustan Aeronautics, TVS Motor, Vedanta, Divi’s Labs, Britannia, Tata Power, Avenue Supermarts, and Indian Hotels, all of which are performing well in their respective sectors.

    This fund is managed by Anil Ghelani and is operated by DSP Mutual Fund. The company has been operating since May 13, 1996, and manages assets worth approximately ₹192.79 lakh crore. This fund is a good option for those who are willing to take a moderate risk for stable returns.

    Fund Performance

    ParametersValue
    Alpha0.88%
    Beta1.32
    Sharpe Ratio0.69
    P/E21.60
    (as on 30th September, 2025)

    5. Motilal Oswal Nifty Smallcap 250 Index Fund

    The Motilal Oswal Nifty Smallcap 250 Index Fund is a straightforward and intelligent way to invest in small-cap companies. This fund tracks the Nifty Smallcap 250 Index, which includes companies with strong growth potential. Its portfolio includes companies like Multi Commodity Exchange, Laurus Labs, CDSL, Delhivery, and Radico Khaitan, which have consistently performed well in their respective sectors. The fund is managed by Swapnil P. Mayekar and is operated by Motilal Oswal AMC, which has been in operation since November 14, 2008. The company manages assets worth approximately ₹92.51 lakh crore. This fund is an excellent option for investors who want to benefit from the long-term growth potential of small-cap stocks.

    Fund Performance

    ParametersValue
    Alpha0.21%
    Beta1.03
    Sharpe Ratio0.84
    P/E34.23
    (as on 31st October, 2025)

    6. Kotak Nifty Next 50 Index Fund

    The Kotak Nifty Next 50 Index Fund is an excellent option for those who want to invest in companies that are next in line after the large-cap companies. This fund tracks the Nifty Next 50 Index, which comprises companies that have the potential to become part of the Nifty 50 in the future. The fund includes companies like Hindustan Aeronautics, TVS Motor, Vedanta, Divi’s Laboratories, Britannia, Tata Power, BPCL, and Indian Hotels, all of which have been consistently performing well. This fund is managed by Devender Singhal and is operated by Kotak Mutual Fund. The company has been operating since August 5, 1994, and manages assets worth approximately ₹492.72 lakh crore. This fund is a good option for investors who are looking for stable returns and are willing to take on a moderate level of risk.

    Fund Performance

    ParametersValue
    Alpha0.88%
    Beta1.32
    Sharpe Ratio0.69
    P/E21.60
    (as on 31st October, 2025)

    7. Nippon India Nifty Next 50 Junior BeES FoF

    Nippon India Nifty Next 50 Junior BeES FoF is an easy way for investors to gain exposure to the Nifty Next 50 Index without directly trading in the ETF. It is a Fund of Funds that invests almost entirely in the Nippon India ETF Nifty Next 50 Junior BeES. This provides investors with exposure to the next tier of growth companies within the large-cap segment. The majority of its assets are held in the ETF, with a small portion in TREPS (Tri-Party Repo) to maintain liquidity. The fund is managed by Himanshu Mange and operated by Nippon India Mutual Fund. This fund house has been operating since February 24, 1995, and manages assets worth ₹573.67 lakh crore. Its low expense ratio and simple structure make it an easy way to invest in the Next 50 index.

    Fund Performance

    ParametersValue
    Alpha1.18%
    Beta1.30
    Sharpe Ratio0.70
    P/E21.79
    (as on 30th September, 2025)

    8. ICICI Prudential Nifty Smallcap 250 Index Fund

    The ICICI Prudential Nifty Smallcap 250 Index Fund is designed for investors looking for long-term investment opportunities in small-cap stocks. This fund tracks the Nifty Smallcap 250 Index and invests in companies that are leaders in their respective sectors. Its portfolio includes companies such as Multi Commodity Exchange, Laurus Labs, CDSL, Delhivery, Radico Khaitan, and Kaynes Technology, which are steadily building a strong market position. The fund is managed by Nishit Patel and operated by ICICI Prudential AMC, which has been in operation since June 22, 1993. The company manages assets worth approximately ₹908.28 lakh crore. This fund is considered a stable and low-cost option in the small-cap segment.

    Fund Performance

    ParametersValue
    Alpha-0.01%
    Beta1.02
    Sharpe Ratio0.83
    P/E34.23
    (as on 30th September, 2025)

    9. Aditya Birla Sun Life Nifty Midcap 150 Index Fund

    The Aditya Birla Sun Life Nifty Midcap 150 Index Fund is a good investment option in mid-cap companies, suitable for investors seeking long-term growth. This fund tracks the Nifty Midcap 150 Index and invests in 150 strong and emerging companies in India. Its portfolio includes companies such as BSE Ltd., Hero MotoCorp, Dixon Technologies, Suzlon Energy, PB Fintech, HDFC AMC, Coforge, Cummins India, Persistent Systems, and Fortis Healthcare. The fund is managed by Priya Sridhar, while it is administered by Aditya Birla Sun Life AMC, which has been active since September 5, 1994, and manages assets worth ₹385 lakh crore

    Fund Performance

    ParametersValue
    Alpha-0.04%
    Beta1.00
    Sharpe Ratio1.02
    P/E32.22
    (as on 30th September, 2025)

    10. Aditya Birla Sun Life Nifty Smallcap 50 Index Fund

    The Aditya Birla Sun Life Nifty Smallcap 50 Index Fund is a good option for investors who want to invest in small but fast-growing companies. This fund tracks the Nifty Smallcap 50 Index and invests in 50 emerging Indian companies that have the potential for strong future growth. Its portfolio includes companies such as Multi Commodity Exchange, Laurus Labs, CDSL, Delhivery, Radico Khaitan, Kaynes Technology, Karur Vysya Bank, Crompton Greaves, Cholamandalam Financial Holdings, and CAMS. All of these companies are growing rapidly in their respective sectors and exhibit strong fundamentals. This fund is managed by Priya Sridhar and is operated by Aditya Birla Sun Life AMC, which was established on September 5, 1994. The company has assets under management of approximately ₹385 lakh crore. This fund is considered suitable for investors who are comfortable with the risks associated with growth investing in the small-cap segment.

    Fund Performance

    ParametersValue
    Alpha3.17%
    Beta1.04
    Sharpe Ratio0.97
    P/E33.85
    (as on 30th September, 2025)

    Read Also: Best Defence Sector Mutual Funds in India

    How to Select the Best Index Fund in India

    Choosing the best index fund becomes easier when you focus on a few proven factors : 

    1. Choosing the Index : First, decide which index you want to invest in Nifty 50, Nifty Next 50, or Nifty 500. If you are investing for the first time, the Nifty 50 is considered the best starting point as it covers large and stable companies.
    2. Expense Ratio : The advantage of an index fund lies in its low cost. Always choose a fund with an expense ratio of 0.20% or less, so that it doesn’t significantly impact your returns in the long run.
    3. Tracking Difference : Check how closely the fund’s return matches its index. If the difference is too large, the fund is not accurately tracking the index. Try to choose a fund that has consistently maintained a low tracking difference.
    4. Fund Size (AUM) : Funds with a large AUM (Assets Under Management) are generally more reliable because they tend to have lower costs and better tracking. It’s wise to avoid very small funds.
    5. Replication Method : Check whether the fund uses full replication or sampling. Funds that use full replication accurately track the entire index and usually deliver more precise results.

    Common Mistakes to Avoid While Investing in Index Funds

    1. Relying solely on past returns : Many investors select funds based solely on their past performance. However, with index funds, it’s crucial to consider the tracking difference and expenses (TER), as future returns depend on these factors.
    2. Holding multiple funds tracking the same index : Sometimes, people buy different funds that track the same index. Doing so doesn’t provide any additional benefit; instead, it complicates the portfolio.
    3. Ignoring tracking difference and AUM : If a fund has a small AUM or a high tracking difference, it can impact returns. Always check these two factors.
    4. Frequently switching funds : The benefits of index funds are realized only when you maintain your investment for the long term. Frequently switching funds increases costs and reduces returns.

    Read Also: Best Money Market Mutual Funds in India

    Conclusion 

    If you want to invest in the stock market without taking on too much risk, the best index funds in India offer a simple and dependable way to get started.. They allow you to invest in the entire market at once, and at a low cost. Just choose the right fund, be patient, and give your investment time to grow. In the long run, this small step can become a source of strong and reliable returns for you.
    In the long run, selecting the best index funds and staying invested can build strong and reliable wealth.

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    Frequently Asked Questions (FAQs)

    1. What is an Index Fund?

      An index fund is a type of fund that replicates a market index, such as the Nifty or Sensex.

    2. Are Index Funds good for beginners?

      Yes, absolutely. They are simple, low-cost, and easy to understand.

    3. How much should I invest?

      Start small; you can even begin with ₹100 or ₹500.

    4. Which is better: Active or Index Fund?

      If you prefer simplicity and lower costs, an index fund is better.

    5. Can I start a SIP in an Index Fund?

      Yes, invest a small amount every month, and it will gradually grow into a larger fund.

  • Best SEBI Registered Brokers in India

    Best SEBI Registered Brokers in India

    If you are planning to start your investment journey in stocks, then the first step toward it will be opening a demat and trading account. For this, you must open a demat and trading account with only a SEBI-registered broker.

    In today’s blog post, we will give you an overview of the best SEBI-registered brokers in 2025.

    What are SEBI Registered Brokers?

    SEBI, or the Securities and Exchange Board of India, is the regulatory authority of the Indian Capital Market. It laid down all the regulations governing the registration of brokers who can offer trading and investment services to their investors. Only SEBI-registered brokers are allowed to provide such services. 

    List of Best SEBI Registered Brokers

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

    Overview of the Best SEBI-Registered Broker

    1. Pocketful

    Pocketful is one of the famous discount brokers in India. It was founded by two brothers, Sarvam and Rishabh Goel, who have experience of more than 30 years in this Industry. Pocketful offers a lifetime free account opening with zero annual maintenance charges, it also offers zero brokerage on delivery trades.  It is designed to be equally beneficial for beginners, experienced traders, and even algo traders, thanks to its user-friendly platform and tech-driven tools.

    2. Groww

    Groww was founded in 2016 in Bengaluru by an ex-employee of Flipkart. It started its business by launching a direct mutual fund platform later it started offering investment in stocks through its application. The company has launched its IPO this year.

    3. Zerodha

    Zerodha is one of the popular stock trading applications in India. The company has changed the aspect of investment in the Indian Capital Market. It was founded by Nikhil and Nithin Kamat in 2010. It offers flat brokerage charges on trading. It also offers a robust trading platform to its investors, through which one can easily place their orders.

    4. Angel One

    Angel One is a full-time broker that has also entered the industry of discount broking. It offers an extensive range of products, such as advisory services, etc. Along with the broking services, it also offers investment in mutual funds and other assets. Their advisory tools help traders identify investment opportunities.

    5. Upstox

    In 2009, Ravi Kumar, Raghu Kumar, and Shrini Vishwanath founded Upstox. It is backed by a well-known businessman, Mr Ratan Tata. To meet the needs of both beginner and seasoned investors, it provides a technologically advanced platform. There are two modes available in their app: Upstox for Traders and Upstox for Investors.

    6. ICICI Direct

    ICICI Direct Securities is one of the top brokers in India and is owned by one of India’s leading private sector banks, ICICI Bank. Along with the trading facility, it also offers research and wealth management. Because of its 3-in-1 account, which combines a savings, trading, and Demat account and is very popular with investors.

    7. HDFC Securities

    HDFC Securities is a well-known full-service broker which was established in 2000 and is a subsidiary of HDFC Bank. It offers many services, such as currency products, mutual funds, IPOs, bonds, and equity and derivative trading. It offers user-friendly platforms like HDFC Sky, along with a user-friendly mobile application. HDFC Securities is well-known for its customer support and distant reach.

    8. Kotak Securities

    Kotak Securities was established as a subsidiary of Kotak Mahindra Bank, one of the largest private sector banks in India. This allows their clients to link their bank and demat trading accounts for easy fund transfers. They offer excellent trading platforms. Such as both the desktop-focused KEAT Pro X and the web-friendly Kotak Stock Trader provide real-time market data to active traders.

    9. SBI Securities

    SBI Securities was incorporated in 2006, and initially, it was known as SBI Cap Securities Limited. It is a wholly owned subsidiary of SBI Bank. Along with the broking services, it also offers PMS and research advisory services. It gets the benefit of a huge SBI customer base that helps it acquire new customers.

    10. Dhan

    Dhan is a technology-driven discount broking platform launched in 2021. It is well known for its zero-brokerage charges, zero AMC, which makes it popular among traders. Their trading application is equipped with advanced trading and charting tools. Dhan also provides API integration for algo traders.

    Features of SEBI-Registered Broker

    The key features of SEBI-Registered Brokers are as follows:

    1. License: Only SEBI-registered brokers are permitted to offer trading services, as they have been granted a license by SEBI to provide these services.
    2. Trading Platform: Every SEBI-registered broker offers an advanced and secure trading platform. 
    3. Segregation of Fund: A key feature which needs to be noted is that every SEBI-registered broker must keep clients’ funds and securities separated from their own funds.
    4. Risk Management: SEBI-registered brokers offer real-time risk management to keep a check on unsafe trades.

    How to Verify a SEBI-Registered Broker?

    There are two ways through which one can check whether the broker is registered with SEBI or not. The step-by-step guidelines to check it are as follows:

    Official Website of Securities and Exchange Board of India

    1. The first step is to visit the official website of SEBI.
    2. Then you need to visit the Market intermediaries section.
    3. After which, you are required to enter the name of the broker, their registration number or city.
    4. Once you enter the details, they will be reflected, including the validity period, status (active or inactive), etc.

    Membership Details on Exchange

    1. The broker must be registered with at least one of the stock exchanges in India.
    2. To check this, visit the official websites of NSE or BSE. 
    3. Then you can check the broker’s name or their SEBI registration number.
    4. You will find the details of SEBI-registered brokers.

    How to Choose the Best SEBI-Registered Broker?

    To choose the best SEBI-registered broker, one can follow the steps mentioned below:

    1. SEBI Registration: One should check whether the broker is registered with SEBI or not through the official sources mentioned above. 
    2. Brokerage Fees Comparison: Before choosing a broker, one should compare the brokerage structure offered by different brokers, and then choose the broker based on your needs, such as trading volume, etc.
    3. Trading Platform: The trading platform offered by the broker must be user-friendly, fast and reliable so that trades can be executed effectively.
    4. Customer Support: The SEBI-registered broker should have a strong customer support department which promptly resolves queries or complaints.

    Benefits of Trading with SEBI-Registered Broker

    The key benefits of trading with an SEBI-registered broker are as follows:

    1. Safety: SEBI-Registered brokers are required to follow the strict regulations laid down by SEBI; therefore, trading with them carries a lower risk of fraud.
    2. Secure Trading: Only SEBI-registered companies can offer secure trading platforms, through which one can easily execute their orders.
    3. Risk Management: Brokers registered with SEBI are required to maintain a proper framework to protect against extreme losses.
    4. Grievances: They are required to provide a dedicated customer support system which helps in the timely resolution of your queries.

    Conclusion

    On a concluding note, a SEBI-registered broker offers transparency and ensures safety. The decision to select an ideal SEBI-registered broker out of all brokers is based on your style of trading. An investor should choose an SEBI-registered broker with the lowest brokerage and an advanced trading platform with technical facilities. Nevertheless, we recommend that you seek the advice of your investment advisor before selecting a broker and investing in stocks.

    Frequently Asked Questions (FAQs)

    1. How to check whether a broker is registered with SEBI or not?

      To check whether the broker is registered with SEBI or not, you are required to visit the website of SEBI or the Exchange, and then you can check the broker’s details under the intermediary section.

    2. Are SEBI brokers safe for long-term investments?

      Yes. SEBI-registered brokers must follow strict compliance, risk management, and segregation of client funds, making them reliable for long-term investing.

    3. What are the factors which need to be considered before choosing a broker?

      In order to choose a broker, you are required to compare the brokerage charges offered by them, along with the features of the trading platform, customer support and complaint history.

    4. Can I open multiple demat accounts with different SEBI-registered brokers?

      Yes, you can open multiple demat accounts with SEBI-registered brokers.

    5. What are the different types of charges involved while trading with a SEBI-registered broker?

      The different types of charges involved while trading with a SEBI-registered broker include brokerage charges, STT, GST, stamp charges, DP charges, etc.

    6. Which type of broker is best, discount or full-time?

      Whether to select a discount or full-time broker is dependent on the requirements and services that an investor demands. In case they require research and other services, they can choose to have a full-time broker or in the case they just require an execution-only platform, they can invest by using a discount broker.

    7. Do SEBI-registered brokers charge account opening fees?

      It varies. Some brokers like Pocketful offer lifetime free account opening and zero AMC, while others may charge small registration or AMC fees.

    8. Can SEBI take action against brokers for violations?

      Yes. SEBI has the authority to suspend, penalise, or cancel registrations of brokers involved in fraud, malpractice, or rule violations.

  • Best Air Purifier Stocks in India

    Best Air Purifier Stocks in India

    As the winter season came, air pollution became a hot topic among the people. And the companies identified air pollution as an opportunity and started manufacturing air purifiers. This also acts as a great investment opportunity for the investors, as rising health concerns and increasing awareness continue to boost demand for reliable, technology-driven purification solutions across major cities.

    In today’s blog post, we will give you an overview of the top air purifier stocks along with the benefits of investing in them.

    What are Air Purifier Stocks?

    Air Purifier stocks are the shares of those companies which are primarily engaged in manufacturing, distribution, and providing technology for air purifiers. These stocks are now becoming investors’ favourites because of increasing demand for air purifiers due to an increase in concern over air quality and respiratory diseases. 

    Top Air Purifier Stock to Buy in India

    1. Havells India Limited
    2. Voltas Limited
    3. Bluestar Limited
    4. Eureka Forbes Limited
    5. Hindware Home Innovation Limited
    CompanyCurrent Market Price (INR)Market Capitalisation (in INR crore)52-Week High52-Week Low
    Havells India Limited1,42589,3391,7831,381
    Voltas Limited1,35544,8541,8591,135
    Bluestar Limited1,76636,3232,4171,521
    Eureka Forbes Limited58211,268656461
    Hindware Home Innovation Limited3322,782393177
    (As of 25th November 2025)

    Overview of Best Air Purifier Stocks in India

    The overview of the best air purifier stocks in India is as follows:’

    1. Havells India Limited

    The company was established in 1958 by Qimat Rai Gupta. Initially, it was engaged in the trading of electrical goods, and in 1971, it acquired Havells, which later became the flagship brand for the company. It started manufacturing cables and switches in 1980. In 2007, it acquired Sylvania, an international lighting company. It also acquired Lloyd in 2017, which was engaged in the consumer durable segment. Now, Havells India is well-known for its offerings like air purifiers and water purifiers. The company’s head office is situated in Noida.

    2. Voltas Limited

    Voltas was incorporated in 1954 as a result of a partnership between Volkart Brothers and Tata Sons. Initially, the company sold air conditioners; later, they expanded their range of products to include air coolers, water dispensers, and commercial refrigeration. The company recently partnered with the Koc-owned Beko Group, a Fortune 500 company in Europe, to manufacture household appliances such as washing machines, refrigerators, air purifiers, etc. The business has completed a number of major projects in Saudi Arabia, Oman, Qatar, and the United Arab Emirates. Its headquarters are situated in Mumbai.

    3. Bluestar Limited

    Mohan T. Advani founded Blue Star Limited in 1943. The company’s primary focus is on repairing and reconditioning air conditioners and refrigerators. In 1961, the company partnered with an American company to design and manufacture air conditioners. Later, it also started manufacturing air purifiers. In 1970, Voltas became the sole distributor of HP. It has also collaborated with international companies like Mitsubishi and Worthington. The company’s headquarters are situated in Mumbai.

    4. Eureka Forbes

    Eureka Forbes company was incorporated in 1982 as a result of a joint venture between a Tata Group company, Forbes and Electrolux of Sweden. The company is well known for its water purifiers, known by the brand Aquaguard. It also offers vacuum cleaners, air purifiers, etc. It has one of Asia’s direct sales forces. In 2022. Advent International acquired a majority stake in the company. The company’s headquarters are situated in Mumbai.

    5. Hindware Home Innovation Limited

    Hindware was one of the oldest Indian brands incorporated in 1960, which was earlier known as Somany, and it focused on sanitaryware, etc. Hindware Home Innovation Limited was established in 2017 as a result of the demerger from its parent company. The company has rapidly expanded from sanitaryware to consumer appliances such as air purifiers, chimneys, etc. The company’s head office is situated in Kolkata.

    Read Also: List of Best Chemical Stocks in India

    Key Performance Indicators (KPIs)

    The key performance indicators of the best Air Purifier stocks to buy in India are as follows:

    CompanyDebt to EquityROE (%)ROCE (%)Operating Profit Margin (%)Net Profit Margin (%)
    Havells India Limited017.6822.519.336.75
    Voltas Limited0.1312.9119.318.946.23
    Bluestar Limited0.0719.2824.826.874.95
    Eureka Forbes Limited03.724.129.116.74
    Hindware Home Innovation Limited0.93(8.78)4.482.41(1.98)
    (As of 31st March 2025)

    Benefits of Investing in an Air Purifier Stock

    The key benefits of investing in an Air Purifier stock are as follows:

    1. Increasing Demand: Due to the worsening air quality in many cities of India, the demand for products related to air purifiers is increasing, thereby increasing the revenue and profitability of these companies over time.
    2. Portfolio Diversification: By investing in the Air Purifier stock, one can diversify their investment portfolio and reduce risk.
    3. Government Support: The Government is focusing on clear air initiatives and promoting policies related to improving the air quality index.

    Factors to Consider Before Investing in Air Purifier Stocks

    There are various factors which one should consider before investing in an Air Purifier stock, a few of which are as follows:

    1. Financial Performance: A company’s financial performance, such as its revenue, profits, etc., financially stable companies tend to perform better than others.
    2. Government Policies: One must regularly monitor the policies of the government related to clean air. Any strict norms of policy can significantly impact the company’s performance.
    3. Raw Material: Any rise in the input cost or raw material related to the production of an air purifier can significantly impact the company’s profit margin.

    Future of Air Purifier Stocks in India

    The future of air purifier stocks is very bright. The air purifier industry is growing at a CAGR of 14% and is expected to reach 16000 crores by the end of 2033. There are very limited companies engaged in this sector, hence due to limited competition, the profit margins of the companies are high. However, an increase in input costs in future can significantly impact the company’s profitability. But due to growth projections, one can consider investing in Air Purifier stocks for the long term.

    How to Invest in Air Purifier Stocks in India: 5 Simple Steps

    1. Open a Demat & Trading Account with Pocketful: Start by creating your Demat account on Pocketful, a fast and reliable platform to buy and sell stocks easily.
    2. Research the Top Purifier Companies: Explore leading brands like Havells, Voltas, Bluestar, Eureka Forbes, and Hindware to understand their business strength and product range.
    3. Analyse the Financial Health: Check key indicators such as revenue growth, ROE, ROCE, profit margins, and debt levels to identify fundamentally strong stocks.
    4. Study Market Demand & Pollution Trends: Look at rising air pollution levels, seasonal spikes, and government clean-air policies—all of which influence purifier stock growth.
    5. Invest Through Pocketful & Track Regularly: Buy your selected purifier stocks directly through the Pocketful app and keep monitoring their performance for smart, long-term returns.

    Read Also: List Of Best FMCG Stocks In India

    Conclusion

    On a concluding note, the increasing concern about air pollution has increased awareness among the public. Indian businesses find it an opportunity and have started manufacturing air purifiers for indoor air quality. Investment in the stocks of air purifier companies provides an opportunity to create wealth in the long run. However, it is advisable to consult your investment advisor before making any investment in air purifier stocks.

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    Frequently Asked Questions (FAQs)

    1. Name some Air Purifier Stocks?

      The popular air purifier stocks include Havells India Limited, Voltas Limited, Bluestar Limited, Eureka Forbes Limited, and Hindware Home Innovation Limited.

    2. What are air purifier stocks?

      The air purifier stocks are the shares of those companies which are primarily engaged in manufacturing, designing, and developing technologies related to air purification or purifiers.

    3. What are the factors which need to be considered before investing in air purifier stocks?

      The key factors which one should consider before investing in air purifier stocks are product portfolio, financial performance, market share, government regulations, etc.

    4. In which season do air purifier stocks perform well?

      Air purifier stocks generally perform well during the winter season, as due to smog and pollution, the demand for air purifiers tends to increase; however, commercial demand will be there throughout the season.

    5. Why invest in air purifier stocks?

      One should invest in air purifier stocks because of the increasing pollution levels. Air purifiers are becoming a necessity rather than a luxury. Due to an increase in demand, the companies engaged in manufacturing air purifiers can be considered a good investment option.

  • Best Space Sector Stocks in India

    Best Space Sector Stocks in India

    India is on a growing path, whether it’s GDP or economy. So, as it’s Space Journey, from launching various satellites to Chandrayan 3, the Indian Space Sector has shown immense growth. To participate in this growth and create wealth in the long run, one can invest in the Stocks of the Space Sector. As ISRO expands its missions and collaborations, ISRO-related stocks in India are gaining attention for their potential in the space and defence value chain.

    In today’s blog post, we will give you an overview of the Best Space Stocks in India to invest in,  along with the future and benefits of investing in them.

    Meaning of Space Stocks

    Space stocks refer to the shares of companies which are primarily engaged in manufacturing, developing, and operating technologies related to space exploration, rockets, defence systems and satellites. Space sector stocks are generally considered thematic in nature, with high growth potential; however, these stocks generally carry high risk. 

    Top Space Stocks 

    1. Apollo Micro Systems Limited
    2. Bharat Electronics Limited
    3. Data Patterns (India) Limited
    4. Hindustan Aeronautics Limited
    5. MTAR Technologies Limited
    6. Bharat Dynamics Limited
    7. DCX Systems Limited 
    CompanyCurrent Market Price (INR)Market Capitalisation (in INR crore)52-Week High52-Week Low
    Apollo Micro Systems Limited285951935590.2
    Bharat Electronics Limited407297618436240
    Data Patterns (India) Limited27531541732691350
    Hindustan Aeronautics Limited469531394051663046
    MTAR Technologies Limited2642812426481155
    Bharat Dynamics Limited1610589792097890
    DCX Systems Limited2242497393200
    (Data as of 29th October 2025)

    Read Also: Top Aerospace Stocks in India

    Overview of Best Space Stocks in India

    The overview of the best space stocks in India is as follows:

    1. Apollo Micro Systems Limited

    Apollo Micro Systems Limited company was established in 1985 and is engaged in providing specialised services in designing, developing and manufacturing equipment used in the defence and space sectors. The company supplies its product to organisations like ISRO, DRDO, etc. The company leverages its R&D capabilities to improve its efficiency.  The company’s headquarters is situated in Hyderabad.

    2. Bharat Electronics Limited

    Bharat Electronics Limited company was founded in 1954 as a public sector company. BEL works under the Ministry of Defence, and has been awarded the status of Navratna by the Government of India. The company has signed an agreement with companies of various countries, including a Canadian company, for the production of space products. The company’s headquarters is situated in Bengaluru.

    3. Data Patterns (India) Limited

    Data Patterns (India) Limited company was founded in 1998, and was initially known as Indus Teqsite Private Limited and provides electric solutions to the defence and aerospace sector. In 2021, the company changed its name and became a publicly listed company with the name Data Patterns (India) Limited and got itself listed on the NSE and BSE exchanges. It supplies electronic equipment, including radar systems, space equipment, and other related equipment. The company’s headquarters is situated in Bengaluru.

    4. Hindustan Aeronautics Limited

    HAL was founded in 1940 and is one of the world’s oldest and largest aerospace manufacturers. HAL has 11 R&D and 21 manufacturing divisions across four production units in India. The company is managed by the Board of Directors, which was appointed by the President of India. HAL manufactures aircraft and their parts, which are used as a vital component in space missions. Its headquarters are situated in Bengaluru.

    5. MTAR Technologies Limited

    MTAR Technologies was founded in 1970 to meet the demands of the nuclear and defence sector of India. Later in 2000, the company entered the energy industry 2000. The major clients of the company include DRDO, ISRO, NPCIL, etc. It supplies components which are used in launching the spacecrafts. Along with this, it also manufactures engine components for spacecraft. MTAR Technologies came up with its IPO in 2021 and became a publicly listed company. It went up with an IPO in 2018 and became a publicly listed company. The company’s headquarters is situated in Hyderabad.

    6. Bharat Dynamics Limited

    Bharat Dynamics Limited company was established in 1970 as a Government undertaking and works under the Ministry of Defence. The company was primarily engaged in manufacturing defence equipment such as missiles and ammunition for the Indian Armed Forces. For ISRO, company manufacturers developed advanced mechanisms which were used in launching satellites and spacecraft. Its headquarters are situated in Hyderabad. 

    7. DCX Systems Limited

    DCX was incorporated in 2011 and is one of India’s fastest-growing companies in the defence and space sector. The company integrates cable wire harness assemblies and manufactures electric systems for the space industry. It has collaborated with various space-related companies and ISRO. It also manages the electronic components of communication and navigation satellites. DCX Systems launched its IPO in 2022 and became a publicly listed company. Its headquarters are situated in Hyderabad.

    Read Also: List of Coworking Space Stocks in India

    Key Performance Indicators (KPIs)

    CompanyDebt to EquityROE (%)ROCE (%)Operating Profit Margin (%)Net Profit Margin (%)
    Apollo Micro Systems Limited0.559.2916.1620.7710.02
    Bharat Electronics Limited026.6433.7229.9022.24
    Data Patterns (India) Limited014.7019.6743.3931.31
    Hindustan Aeronautics Limited023.9117.4134.9526.86
    MTAR Technologies Limited0.247.3611.2413.997.96
    Bharat Dynamics Limited013.7110.1822.4816.43
    DCX Systems Limited03.095.595.823.20
    (As of March 2025)

    Benefits of Investing in Space Stocks

    Investors exploring space sector stocks in India are drawn to this theme because of strong technological momentum.

    1. Growth Potential: Because of increasing advanced technology and space communication, the space industry is expected to grow very rapidly, providing an opportunity for investors to create wealth in the long run. This trend directly boosts demand for ISRO related stocks in India that support satellite launches and related systems.
    2. Public-Private Partnership: The government of India is collaborating with various private players in order to expand its reach in space communication, providing an opportunity for private players.: 
    3. Innovative Industry: Through investment in space-related companies, one can diversify their investment portfolio into a different innovative industry from traditional sectors.

    Factors to Consider Before Investing in Space Stocks in India

    There are various factors which one should consider before investing in Space Stocks in India. A few of such factors are as follows:

    1. Financial Performance: The company’s financial health plays an important role in the company’s performance. Higher profit margins, lower debt levels, and order books increase the potential for higher growth.
    2. Technological Advancement: The innovative techniques used by the companies provide them with an advantage over competitors.
    3. Long-term View and Risk: The company’s future depends on how it executes the orders; any delay in order or system failure can cause a significant dent in the company’s reputation.

    Read Also: Best Small Cap Defence Stocks in India

    Future of Space Stock in India

    The future of space stocks in India looks very promising because of government initiatives towards space exploration and a focus on satellite technology. Recent achievements of ISRO, such as Chandrayan and Mangalyan, witnessed the success of the Indian Space Programmes. The current valuation of the Indian Space sector is around 840 crores, and is expected to increase to 4400 crores by 2033. As the demand for satellite launches grows, space sector stocks in India are expected to see strong long-term tailwinds. To participate in the growth of this sector, one can allocate a certain portion of their portfolio to it.

    Conclusion

    On a concluding note, the space stocks become everyone’s favourite after the success of the Chandrayan-3 mission. These stocks generally benefited from the government incentives and innovative technologies. However, their success depends on how successful the mission is. Along with this, the companies’ order book, profit margins, etc., play an important role in their growth. With ISRO’s rising global presence and the growth of space sector stocks in India, this theme is gaining long-term attention among investors seeking futuristic opportunities. Therefore, it is advisable to consult your investment advisor before making any investment in Space Stocks.

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    21Best Air Purifier Stocks in India

    Frequently Asked Questions (FAQs)

    1. What are space-related stocks?

      Space-related stocks are the shares of those companies which are primarily engaged in manufacturing and developing equipment related to systems which are used in space technology.

    2. What are the top space-related companies?

      The top companies which are engaged in space-related activities are Apollo Micro Systems Limited, Bharat Electronics Limited, Data Patterns (India) Limited, etc.

    3. How can I invest in the stocks of space companies?

      To invest in the stocks of companies engaged in the space sector, one should have a demat and trading account. Pocketful also offers you to open a lifetime free trading and demat account with zero brokerage charges.Q4. Can I invest in space stocks f

    4. Can I invest in space stocks for short-term profit?

      Yes, you can invest in space stocks for short-term profits; however, it is advisable to invest for the long term for better potential returns.

    5. What are the risks related to investment in space stocks?

      The risk related to investment in space stocks includes a delay in order execution, mission failure, debt, financial performance, and R&D capabilities.

    • Open Free Demat Account

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