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What Is Quick Commerce? Meaning & How It Works

Over the past few years, shopping has evolved in many ways. To start with, the consumers would visit stores to purchase items. Then online shopping (e-commerce) caught on, you order online and the product arrives in a few days.

There is even something faster now, the feature of Quick Commerce (Q-Commerce). Using Q-Commerce, the ability to purchase and get things delivered to your door within 10 to 30 minutes is readily available.

This article will explain what Quick Commerce is, how it is done, what its features, advantages, and drawbacks as well as how it varies as compared to ordinary online shopping.

What is Quick Commerce (Q-Commerce)?

Q-Commerce is also known as Quick Commerce, which is an ultra-rapid delivery. It allows consumers to place orders for everyday items that are to be used – groceries, snacks, medicines, personal care items, among others, and have them delivered within less than an hour and sometimes in 10-30 minutes.

It is more or less like internet shopping, but a lot quicker. Your stuff arrives nearly instantly instead of waiting 2-3 days. This model is used by companies in India such as Blinkit, Zepto, and Swiggy Instamart, or companies outside of India, such as Gopuff and Getir.

Example: You need milk at night. Instead of going out, you open the app, order milk, and get it at your door in 15 minutes.

How Quick Commerce Works

Quick Commerce is designed for speed, so the process is much faster than normal online shopping. Here’s how it usually happens:

Products Kept in Local “Dark Stores” – Instead of keeping everything in one big warehouse far away, Quick Commerce companies keep goods in many small storage places inside the city. These are called dark stores. They are not open to the public but are filled with fast-selling items like groceries, snacks, medicines, and daily essentials. Because they are close to where customers live, orders can be delivered much faster.
Order Placed on the App – You open the Quick Commerce app or website, search for what you need, and place your order. The system sends your order to the nearest dark store so it can be prepared quickly.
Quick Packing and Pick-Up – When the store gets your order, staff take the items from the shelves and pack them neatly. A delivery person nearby is given the job right away and comes to collect the package.
Fast Delivery to Your Home – The delivery person takes the shortest way to your house and brings your order, usually in 10–30 minutes. Since the store is nearby, the travel time is very short, which makes the delivery super quick.

Example: You’re out of milk at night — you order it on the app, and before you’ve even finished watching your favourite TV scene, it’s delivered to your door.

Key Features of Quick Commerce

Quick Commerce has some special features that make it different from regular online shopping:

Very Fast Delivery: 10 to 30 minutes in most cases.
Small Basket Orders: Usually for small, daily needs, not big furniture or electronics.
Local Dark Stores: Items stored close to customers to save delivery time.
Limited Product Range: Focuses on essential, fast-selling items.
App-based Ordering: Easy-to-use mobile apps for instant shopping.
24/7 Availability: Many Q-Commerce companies deliver late at night or early morning.

Quick Commerce Business Model Explained

Quick Commerce is based on a premise that is rather easy to understand: it tries to keep products near customers and deliver them as fast as possible. In order to achieve this, firms are relying on intelligent purchasing, nearby caches, technology, and speedy delivery teams.

To begin with, they purchase products in large quantities either directly from the brands, manufacturers, or wholesalers. They purchase bulk products so as to obtain cheaper prices. Their products are typically products that people purchase on a regular basis, such as groceries, snacks, dairy items, medicines, and personal care products. At normal or slightly higher prices, they can make a profit by buying cheaply and selling at normal prices.

Then, rather than holding all the products in a large warehouse somewhere out of town, they stock items in numerous, small, local storage facilities that they call dark stores. These do not open to the customers as ordinary shops do. They are also situated in areas that are near the residential areas in a way that the delivery partners do not travel long distances. Such an arrangement means that the products will be close to the customer.

Technology also has a large part. Once an order is placed by a customer on the app or the web, the system itself locates the closest dark store that has the proper stock of those items in case. It also transfers the order to a delivery partner that is nearest to that store. Waiting time is decreased by this swift synchronization.

Lastly, the delivery partner picks up the order and delivers it directly to the door of the customer. The distance between the dark store and the consumer is small, so the shopping does not take much time, and delivery traditionally takes place within 10-30 minutes. The company makes revenue on the difference between the cost of purchasing and selling products, small delivery charges, and, in some cases, through a partnership with a brand or memberships.

This model is effective since individuals believe in fast and convenient services, and they are usually willing to pay slightly more to acquire them.

Advantages of Quick Commerce

Quick Commerce is getting popular because it has many benefits:

Fast Delivery – Orders usually come in 10–30 minutes, much faster than normal online shopping. Good for urgent needs like baby food, medicine, or cooking items.
Very Easy – No need to go out or stand in lines. You can order on your phone, and it comes to your door.
Good for Everyday Items – Mostly sells things people use daily like groceries, milk, snacks, and cleaning products.
Works Anytime – Many services deliver late at night or early in the morning, even when shops are closed.
Saves Time – No travel to the shop. You can get items while doing other work.
Less Waste – You only buy what you need, so less chance of things going bad.
Happy Customers – Fast and reliable service makes people order again and again.

Challenges and Limitations

Even though Quick Commerce is very useful, it also has some problems:

High Delivery Costs – Delivering orders in 10–30 minutes means companies need many delivery people ready all the time. This costs a lot in fuel, payments to riders, and managing deliveries. For small orders, it’s hard to cover these costs.
Low Profits – Most Quick Commerce orders are for cheap items like milk, snacks, or bread. The company earns only a small profit on each item, and with the high cost of fast delivery, it’s difficult to make good money.
Pressure on Delivery People – Riders have to deliver very quickly, which can cause stress. Sometimes they may drive unsafely to save time, which can lead to accidents, especially in busy traffic.
Limited Choice of Products – Quick Commerce mainly sells daily-use items. It is not meant for large things like furniture or uncommon products, so customers have fewer choices.
Stock Problems – Keeping all popular items available in every store is hard. If stock runs out, customers may see “out of stock” often, which can make them unhappy.
Impact on the Environment – Fast delivery uses more packaging and increases traffic, which can cause more pollution and waste.
Tough Competition – Many companies are doing Quick Commerce now. To attract customers, they try to deliver faster and sell cheaper, but this can make the business hard to sustain.

Future of Quick Commerce

Quick Commerce is still growing and changing. In the future, we may see:

More Automation: Use of robots and drones for delivery.
Expansion to More Cities: Not just metro cities, but smaller towns too.
Better Sustainability: Eco-friendly packaging and electric delivery vehicles.
More Variety: Companies may add electronics, clothes, and other items for fast delivery.

Experts believe Q-Commerce will continue to grow, especially in urban areas where people value time over money.

Q-Commerce vs E-Commerce vs Traditional Retail

Feature	Q-Commerce	E-Commerce	Traditional Retail
Delivery Time	10–30 mins	1–3 days	Immediate (buy & take)
Product Range	Limited essentials	Very large	Depends on shop size
Shopping Method	App-based	Website/App	Physical store
Convenience	Very high	High	Medium
Price	Slightly higher than wholesale	Competitive	Varies

In short:

Q-Commerce is for speed.
E-Commerce is for variety.
Retail is for the physical shopping experience.

Conclusion

Quick Commerce is transforming the shopping experience. It is ideal when in an emergency and when small items are needed every day. Q-Commerce is a strategy of making the delivery of products within minutes with the aid of technology, local warehouses, and delivery partners.

Although it is extremely convenient, businesses have to deal with issues such as excessive expenses, safety, and sustainability. Q-Commerce will only get quicker, more environmentally-friendly, and accessible even in the future.

For now, it’s safe to say — shopping has never been this quick!

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5	D Mart Case Study
6	Zomato Case Study
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11	Top 10 Consumer Staples Stocks
12	Zudio Case Study
13	What is ONDC? Is it the Future of E-Commerce in India?
14	JioHotstar Company Case Study
15	Zomato Case Study

Frequently Asked Questions (FAQs)

What is Quick Commerce?
Quick Commerce delivers essential items like groceries or medicines to customers within 10–30 minutes using local dark stores.
How does Quick Commerce work?
Orders are placed on an app, packed in nearby dark stores, and delivered instantly by local riders.
Which companies use the Quick Commerce model?
Blinkit, Zepto, and Swiggy Instamart in India; Gopuff and Getir internationally.
What are the benefits of Quick Commerce?
Fast delivery, convenience, 24/7 availability, and access to daily essentials anytime.
What challenges does Quick Commerce face?
High delivery costs, low profits, stock shortages, and sustainability concerns.

November 25, 2025

Gold Rate Prediction for Next 5 Years in India (2026–2030)

If you have ever checked gold prices and wondered where they are headed, you are not alone. Searches for gold rate prediction for next 5 years in India are rising because people want clarity before making long-term plans.

Gold has already moved sharply in the last decade, and many now want to know what the next phase looks like. This will act as a guiding line for them before they plan to invest in the same. Also, an estimation of the future trends will ensure that your investment moves in the right direction.

So, in this guide, we look at gold price predictions for next 5 years, global triggers, and what the expected gold rate in 2030 in India could look like based on current trends.

What Drives Gold Prices in India?

To understand gold rate prediction for the next 5 years in India, you first need to see why gold moves the way it does. Gold reacts to global events, currency pressure, and how people behave during market stress. These forces shape long-term trends and help explain why the metal may rise before 2030.

1. Global Economic Conditions

Gold becomes more valuable when the world economy slows. People move money away from risky assets and park it in gold. This shift increases demand and pushes prices up. Any talk of recession, slow growth, or banking stress usually supports higher gold levels.

2. US Dollar Movement

Gold is priced in dollars. So, there is a direct impact of the dollar value on the gold price. Like during the dollar weekend, the gold prices fall. When the dollar is strong, gold may stay range-bound. This link plays a big role in gold price predictions for the next 5 years.

3. Inflation Trends

Inflation reduces the value of money. When the inflation is high, purchasing power is low, and so people buy less. This is why gold often sees strong demand during inflationary cycles. It acts as a cushion when daily costs rise.

4. Interest Rate Changes

When interest rates fall, returns from fixed income options drop. Gold becomes more appealing because the opportunity cost of holding it reduces. When rates rise sharply, gold may slow down for some time. This balance shapes long-term trends.

5. Geopolitical Events

There are wars and various conflicts that impact economies. These are times when people look for safer investments. Gold benefits the most in these periods. Even short-lived events create upward pressure as markets try to manage risk.

6. Seasonal and Cultural Demand

India is one of the largest buyers of gold. Festival and wedding seasons create huge demand. Even when global prices stay stable, local buying can lift domestic rates. This is why the market often sees sudden spikes around festive months.

7. Rupee Exchange Rate

India imports gold. A weak rupee makes every ounce more expensive. This alone can increase domestic prices even if global prices do not move. For long-term forecasts like the gold rate in 2030 in India, the rupee’s path is a major influence.

This deeper understanding gives a stronger base for reading long-term trends. This will help you gain an idea of what the expected gold rate in 2030 in India and the broad direction that experts expect over the next few years.

Read Also: Best Gold ETFs in India

Historical Analysis of Gold Prices in India (2010 to 2025)

Gold has moved through several economic cycles over the last fifteen years. Every major global shock, currency swing, and inflation phase left a clear impact on prices. This makes it important for investors to know how gold moved from 2010-2025.

Here is how average prices have changed over the years.

Year	Average Price (10g, 24K)
2,010	₹18,500
2015	₹26,343.50
2020	₹48,651
2021	₹48,720
2022	₹52,670
2023	₹65,330
2024	₹77,913
2,025	₹1,24,530

Now that you know the prices, let us quickly have a simple analysis of the same based on timelines and events.

1. Early Growth Phase (2010 to 2015)

You must know about the 2008 crisis. The global economy crashed. There were losses everywhere, and housing was even impacted. By 2010, things were settling in, but not good enough. This was the time when the gold prices started at ₹18,500. The market was still fragile. People were more cautious about where and how much they invest.

This was the time when gold felt like a stable investment with less risk. It was perfect to combat inflation while assuring people have reserves to manage their lives.

By 2015, the average price moved to around ₹26,343.50. The rise was slow but a good sign that the market was returning to normal.

2. Build Up and the COVID Surge (2016 to 2020)

The years after 2015 were again one of the risky times. There were trade tensions and low interest rates that were impacting the business everywhere. This was one of the prime reasons that quietly pushed prices upward. Then 2020 arrived, and everything changed.

COVID brought markets to a halt. It was one of the times that created fear around jobs, money, and the economy. In that panic, gold became the safe place to park whatever savings people had.

Prices jumped to an average of ₹48,651. This was the time when everyone felt that investing in gold was the best choice.

3. After COVID and New Global Shocks (2021 to 2023)

Even when life slowly went back to normal, gold did not fall. Prices held near ₹48,720 in 2021. This was mainly due to the high level of uncertainty and the impacts of COVID, which were still there.

Then the Russia–Ukraine war started. It is still going on, but this war has added another layer of stress. It affected energy costs, supply chains, and inflation across countries.

This again put pressure on the gold prices. This was the time when the prices moved from ₹52,670 in 2022 to ₹65,330 in 2023. People were not chasing returns here. They were simply trying to protect their money in a world that felt unpredictable again.

4. Inflation, Weak Dollar and Record Highs (2024 to 2025)

By 2024, high inflation and a softer US dollar had set the stage. This was a sign that another strong phase has started. Investors expected interest rates to fall. And now the gold picked up again, touching an average of ₹77,913. But this was just the start.

The real jump came in 2025. Global tensions and currency swings pushed the gold prices to an extreme. This was another rise, which made the gold a safe haven. This time, the buying pushed prices to around ₹1,24,350.

And this was the first time for such a high value, too. The MCX rates crossed ₹1,00,000 per 10 grams. It showed that no matter what happens, gold is one with a strong backing and need.

Read Also: Best Gold Stocks in India

Major Trends Seen Over 15 Years (2010 to 2025)

One clear trend through this period was gold’s ability to gain value during stress. It acted as a cushion through all uncertain times. The ten-year CAGR from 2014 to 2024 stayed close to 10.66%, while the five-year CAGR from 2019 to 2024 went up to 17.2%. These numbers show that gold did not just protect wealth, but also competed closely with equity returns in many phases.

Another trend was central bank behaviour. Many global central banks increased their gold reserves over these years. This added long-term support for prices and helped build confidence among retail investors, too.

How Investor Strategies Evolved Over These Years

Indians still invest in gold. It is not just one with tradition, but for them gold holds a special place. Also, gold is second to liquid cash. It can be bought and sold in the market very quickly. This is still the same and has not changed a bit.

By 2024 and 2025, the picture looked different. More people started using digital platforms, Gold ETFs, and sovereign gold bonds. ETF inflows alone crossed ₹20.8 billion in June 2025, Gold ETFs saw a 600% surge in inflows. signalling a shift toward investment-focused gold rather than purely ornamental gold. Jewellery demand settled in the 600 to 700 tonne range, while long-term investment demand grew sharply.

These changes show how gold moved from being a cultural purchase to a structured part of financial planning. This shift is important when we talk about long-term projections like the gold rate prediction for the next 5 years in India or how prices may behave by 2030.

Expected Gold Price Outlook (2026 to 2030)

If you consider the current gold momentum, it is on a rising trend. But it is important to note that this is mainly because of the factors that are working in favor. This may or may not change with time.

At the same time, various analysts suggest that gold is likely to settle into a higher price zone over the next five years. The metal has already broken past several historic levels. But the way prices behaved in 2024 and 2025 is unique. This is a sign that now the gold is entering a new price range band.

Instead of short spikes, analysts expect a gradual climb supported by broader market behaviour. Here is a simple view of where prices may head.

Year	Expected Price Range (per 10g, 24K)
2026	₹1,10,000 – ₹1,25,000
2027	₹1,20,000 – ₹1,35,000
2028	₹1,28,000 – ₹1,55,000
2029	₹1,32,000 – ₹1,65,000
2,030	₹1,40,000 – ₹2,25,000

Is Gold Likely to Stay a Strong Investment?

Many investors who ignored gold earlier are now taking it seriously because of how it behaved during difficult times. The repeated policy shifts, unpredictable interest rate cycles, and economic slowdowns across countries have made gold more relevant. If the next five years bring more volatility, gold may again act as a stabiliser in portfolios.

There is also a practical angle to consider. Gold supply grows slowly, but its demand is rising. It is now used in sectors and things such as electronics, renewable energy, and medical technology. This means there is a personal and commercial demand for gold.

This adds another layer of long-term support to prices. For someone who wants safety without giving up liquidity, gold still fits well for the coming years.

Things to Consider Before Looking at Long-Term Gold Forecasts

Long-term gold projections can be helpful. But it is important to note that these are just estimations. You need to be very cautious when you invest based on the expected gold rate in 2030 in India.

Gold is based on various factors, and a change in any one can impact the entire gold price prediction 2030. While you may see that the broad factors are stable, there are simple minor factors too. For a better view, you need to actually look at all the aspects.

And if you are planning to invest in gold based on the price predictions, there are certain cautions to follow. These tips can help you ensure that you take the right call and avoid the adverse impacts.

Price ranges can shift suddenly depending on global events
Short-term movements may not match the long-term trend
A weak rupee can lift domestic prices even if global rates stay flat
Forms like ETFs and SGBs often give better real returns than jewellery
Gold works well as part of a portfolio, not as the only investment

Conclusion

Gold has created a solid long-term base over the last several years. At the same time, the trend ahead points toward steadier movement rather than sudden spikes.

With time, the options to invest in gold have changed. You can now go for digital gold, ETFs, and other options to ensure that you get the benefits of gold but with no worry for investment.

Now, gold is slowly becoming a planned part of portfolios instead of an emotional purchase. It still works best as a long-term asset and should be paired with other investments for balance.

For simple, clear guidance on how to plan your next steps, you can explore more such helpful insights through Pocketful.

Gold Rate in Top Cities of India	Silver Rate in Top Cities of India
Gold rate in Ahmedabad	Silver rate in Ahmedabad
Gold rate in Ayodhya	Silver rate in Ayodhya
Gold rate in Bangalore	Silver rate in Bangalore
Gold rate in Bhubaneswar	Silver rate in Bhubaneswar
Gold rate in Chandigarh	Silver rate in Chandigarh
Gold rate in Chennai	Silver rate in Chennai
Gold rate in Coimbatore	Silver rate in Coimbatore
Gold rate in Delhi	Silver rate in Delhi
Gold rate in Hyderabad	Silver rate in Hyderabad
Gold rate in Jaipur	Silver rate in Jaipur

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3	A Guide To Investing In Gold In India
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5	Top 10 Reasons to Invest in Gold
6	Digital Gold vs Gold ETF: Which is Better?
7	List of Best Gold ETFs in India
8	SBI Gold ETF vs HDFC Gold ETF: Where To Invest?
9	Best Silver Stocks in India
10	Gold ETF vs Gold Mutual Fund: Differences and Similarities

Frequently Asked Questions (FAQs)

How often should gold price forecasts be reviewed?
Checking them every few months helps because global events can quickly change price direction.
Do rising gold prices always mean it is the right time to buy?
Not always. Buying makes more sense when you are thinking long term and not aiming for quick gains.
Is digital gold a good starting point for beginners?
Yes. It is easy to buy, flexible, and works well for smaller investments.
Can gold fall even if demand stays high?
Yes. Currency movement or global policy changes can pull prices down for short periods.
Is there an ideal holding period for gold?
There is no fixed duration, but holding it over the long term usually gives more stable results.

November 24, 2025

Difference Between Equity Share and Preference Share

Have you ever thought of investing in the stock market? Well, if so, then you need to understand the types of securities that are there. Of these, equity shares and preference shares hold a prominent place for investors.

Investing in either offers you an opportunity to own a part of the company. But the main difference lies in their features and benefits that you get as an investor.

This is why we bring you this guide that highlights the key difference between equity shares and preference shares. Explore everything you need here and make an informed investment decision in no time.

What Are Equity Shares?

When it comes to investing, equity shares are indeed the first thing you might come across. These are the shares of the company which allows you to own a part of the company as well. When you buy them, you become an equity shareholder.

You will enjoy voting rights and will earn from the price movements of the stock on NSE and BSE. They do carry a substantial amount of risk as well. But they also offer you unlimited growth potential through rising share prices and dividends.

The common types of the equity shares include ordinary, bonus, rights, sweat, voting, and non-voting shares. This makes equity shares popular among investors seeking long-term wealth creation.

Features of Equity Shares

Equity shares come with distinct features that separate them from preference shares:

Ownership Rights: Equity shareholders are considered true owners of the company.
Voting Rights: They can participate in company decisions and elect the board of directors.
Residual Claim: In case of liquidation, they are paid after preference shareholders and creditors.
Variable Dividends: Dividends are not fixed and depend entirely on profits.
No Maturity: Equity shares are permanent. They do not have a repayment date.
High Risk, High Reward: The shares offer high risk and volatility. But if you want wealth building, these are great choices.

Pros of Equity Shares

Ownership and Control: Equity shareholders have the power to vote and so influence the decisions of the company as well.
Potential for Capital Appreciation: Changes in the share price would lead to capital building as well.
Dividend Earnings: You might get a dividend on your shares which is an additional earning apart from profits.
Liquidity: Since the shares are listed on NSE and BSE, you can easily sell them when you wish.
Inflation Protection: Over the long term, equity investments often beat inflation.

Cons of Equity Shares

Market Volatility: Prices fluctuation based on market conditions can lead to losses.
Uncertain Dividends: Companies are not obligated to pay dividends every year.
Residual Status: In liquidation, equity shareholders are the last to be paid.
Ownership Dilution: Issue of new shares reduces existing shareholders’ stake.
Requires Patience: Returns are often realised only in the long run.

What Are Preference Shares?

Preference shares are a type of ownership security. It is where the shareholders get some kind of preferential rights in the company. Though they do not have the voting rights, yet they have some rights which are better as compared to the rest.

A preference shareholder gets priority when it comes to receiving dividends and repayment of capital in case of liquidation. They have limited control over company decisions.

The common types include cumulative, non-cumulative, redeemable, non-redeemable, convertible, non-convertible, participating, and non-participating.

Preference shares are often seen as a mix between equity and debt. This is why they offer steady income through fixed dividends with lower risk.

Features of Preference Shares

Preference shares carry unique features that make them distinct from equity shares:

Fixed Dividend: Preference shareholders are entitled to a fixed dividend, regardless of profits.
Priority Claim: They are paid before equity shareholders during profit distribution or liquidation.
Limited Voting Rights: They generally cannot vote. But there are special circumstances where they can.
Hybrid Nature: They combine features of debt and equity both.
Lower Risk: They provide more stability. This makes them suitable for conservative investors.

Pros of Preference Shares

Steady Income: Preference shareholders receive fixed dividends regularly.
Priority in Payment: They get the dividend before the rest. They have priority in liquidation as well.
Lower Risk: They face less risk due to guaranteed returns.
Hybrid Advantage: You get both ownership and debt advantage.
Suitable for Risk-Averse Investors: Ideal for those looking for security rather than high growth.

Cons of Preference Shares

No Voting Rights: There is no say in the decision making at all.
Limited Growth: Dividends are fixed. So the growth chances are limited.
Redeemable Nature: Some preference shares may be recalled by the company after a certain period.
Less Liquidity: They are not as actively traded as equity shares in stock markets.
Lower Returns in Long Term: Compared to equity, preference shares offer modest wealth creation.

Equity Shares Vs Preference Shares

Both equity shares and preference shares represent ownership in a company. But there is a difference between the two that you must know. Here are differences to know:

Aspect	Equity Shares	Preference Shares
Ownership	Equity shareholders are considered the real owners of the company with full control rights	Preference shareholders have partial ownership with priority in dividends and repayment
Voting Rights	Equity shareholders have voting rights on company matters	Preference shareholders generally do not have voting rights except in special cases
Dividend	Dividend is variable and depends on company profits	Dividend is fixed and paid before equity shareholders
Risk	Higher risk due to market fluctuations and residual claims in liquidation	Lower risk as they enjoy priority in payment
Capital Repayment	Equity shareholders are paid last during liquidation	Preference shareholders are repaid before equity shareholders
Returns	Potentially high due to capital appreciation and variable dividends	Limited to fixed dividends with modest growth
Liquidity	Equity shares are highly liquid and widely traded	Preference shares are less liquid in comparison
Convertibility	Equity shares cannot be converted into preference shares	Preference shares can sometimes be converted into equity shares if specified by the company
Redeemability	Equity shares are permanent and cannot be redeemed	Some preference shares can be redeemed after a fixed period
Priority in Assets	Equity shareholders have claim over assets only after creditors and preference shareholders are paid	Preference shareholders have a higher claim on assets compared to equity shareholders

Conclusion

The difference between equity shares and preference shares is very important to know. While both have ownership in the company, their nature is unique. Their risk and return capacity also differ.

Understanding this will allow you to make the right investment call which is important to avoid losses. Both offer growth and a chance to build wealth as well. As an investor, the choice depends on whether you seek long-term capital growth or fixed returns with lower risk.

But to start investing in these, you need a great platform. This is where Pocketful can guide you with expert resources and tools to make informed decisions. Start your investment journey today with Pocketful.

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Frequently Asked Questions (FAQs)

Who should invest in equity shares?
Equity shares are better suited for investors who can take higher risk, stay invested for the long term, and aim for capital appreciation along with dividend income.
Who should invest in preference shares?
Preference shares are ideal for conservative investors who prefer fixed income and lower risk, even if it means limited growth opportunities.
Can a company issue both equity and preference shares?
Yes, companies often issue both. Equity shares form the base ownership, while preference shares are used to raise capital with fixed return obligations.
Do preference shareholders ever get voting rights?
Generally no, but preference shareholders may get voting rights if their dividend payments are delayed for a specified period or in special circumstances defined by law.
Are preference shares traded on stock exchanges like equity shares?
Some preference shares are listed, but they are not as widely traded as equity shares. This makes them less liquid compared to equities.

November 23, 2025

What is Hedging?

Profits from investment always come with risk, whether it can be market risk, currency risk or interest rate risk. An investor is always concerned about how to eliminate or reduce such risk. One of such techniques to reduce risk is “Hedging”.

In today’s blog post, we will give you an overview of hedging, along with its features, types and advantages.

Meaning of Hedging

Hedging is a risk management tool used by investors to protect their portfolio against losses due to adverse price movement of a particular underlying asset. It is typically known as insurance for your investment portfolio. It can be implemented using various financial instruments called derivatives, etc.

Features of Hedging

The following are the key features of hedging :

Risk Management: It is generally used to minimise the risk of a portfolio due to fluctuation in the price of the underlying asset.
Derivatives: Hedging can be implemented using derivative tools such as futures, options, etc.
Volatile Market: The effectiveness of hedging depends on the market volatility and the type of instrument used in it.
Cost: Usage of hedging comes with costs such as premiums paid for an option, etc.

Types of Hedges

The various types of hedges are as follows:

1. Forward Hedge

Under a forward hedge, two parties enter into the contract to buy or sell a particular asset at a future date for a fixed price. These contracts are customizable based on the needs of the parties.

2. Future Hedge

Future hedging contracts are standard contracts that are traded on an exchange. It allows an investor to buy and sell a particular asset at a set price in the future.

3. Money Market Hedge

Money market hedges are used by the investor to protect their bond portfolio against currency risk.

4. Option Hedge

Through buying an option, the investor gets the right but not the obligation to buy and sell an asset at a specific price before the expiry of the contract. This helps protect against unfavorable price movements.

Hedging Strategies

The key hedging strategies are as follows:

Asset Allocation: It is done by diversifying an investor’s capital across different types of assets. For example, you may invest 30% of your money into stocks and the rest into fixed assets to help balance your portfolio. However, this allocation depends on the investor’s risk profile.
Structure Investment: Under this type of strategy, a portfolio of investors is kept in debt, while the remaining portion is kept in derivatives. It ensures that the debt fetches a stable return, whereas the derivative investment helps in the protection of the portfolio against risk.

Examples of Hedging

The various examples of hedging are as follows:

Stock Hedging: For example, an investor is holding Reliance Industries stock in the cash market and is worried about the decline in its price. Then he can hedge his position by buying a put option, which gives them the right to sell at a fixed price in case of a fall in the price of the underlying stock.
Commodity Hedging: These are used by the individual who trades in commodities, etc. For example, a farmer has grown crops, but he is worried about the price drop in future. In this case, a farmer can hedge its risk by selling the futures contract for its crop at the current price.
Portfolio Hedging: In this type of hedging, the investor hedges their entire portfolio. Let’s say Mr A has a holding of Pharma-related companies, and he wishes to hedge his portfolio against any downside risk. Now he can sell the future contract of the IT index and mitigate its risk.

Advantages of Hedging

The key advantages of hedging are as follows:

Reduce Risk: The key benefit of hedging is that it protects the portfolio against the adverse impact of price movements.
Increases Confidence: Once the investor comes to know that the portfolio is protected against loss, it increases their confidence.
Diversification: Portfolio hedging spreads the risk across various asset classes, helping to reduce the risk of the portfolio.

Risk of Hedging

There are several risks involved while using hedging. A few of such risks are mentioned below:

Cost: Hedging involves various costs, such as transaction costs, premiums, etc. This can reduce the effectiveness of the strategy.
Market Risk: The market risk persists; however, hedging tries to eliminate such risk. But it cannot be eliminated.
Liquidity: There might be certain cases where the liquidity in a particular derivative contract is limited. Hence, it might be difficult for an investor to exit their position.

Conclusion

In conclusion, hedging is a clever strategy used by traders and investors to guard their portfolios from possible deviations. It can undoubtedly assist in lowering down the risk metric to a more manageable level, even though it isn’t totally eliminated. However, it is crucial to understand how it operates before attempting any hedging strategy and if at all possible, consult a financial advisor. Hedging carries its own set of risks which need to be considered further.

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Frequently Asked Questions (FAQs)

What are the types of hedging?
The most common types of hedging are forward hedging, futures hedging, options hedging, etc.
Does hedging eliminate 100% risk?
No, hedging does not eliminate 100% risk; however, it can reduce it to a certain level and can also reduce profit potential.
Why is hedging used by investors?
Hedging is generally used by investors to reduce the risk related to unexpected price movement, unfavourable losses in the portfolio.
Does hedging require only derivatives?
No, hedging does not always require derivatives; hedging can also be done through diversification of a portfolio across different industries, etc.
Does hedging involve any cost?
Yes, hedging of a portfolio involves some additional cost, such as option premiums paid, transaction costs, etc.

November 23, 2025

What is Commodity Valuation?

When you start to trade in commodities, one of the major questions or challenges that you will face will be linked to the valuation.

Though it might sound like a very basic thing, in reality, understanding the key concepts linked to the valuation becomes very important. This will ensure that not just you know what you are paying for, but also whether you are paying right or wrong.

This is where the concept of commodity valuation comes into play. So, to help you understand this better, we have curated this guide. From definition to mechanisms and factors affecting commodity valuation, everything is covered here. So, read this to know everything easily.

What is Commodity Valuation?

Commodity valuation is the process of assessing the fair market price of raw materials. It is for products such as metals, energy products, and agricultural goods. These are the products that are highly dynamic in nature. Their prices fluctuate based on various factors, starting from global demand and supply to every economic event.

The main aim of the commodity valuation is:

Provide clarity on the price
Ensure there is no case of overpricing or underpricing
Benefiting the traders with a transparent mechanism for price discovery

For traders and investors, understanding valuation is crucial. It is the key factor that impacts the buying, selling, and hedging calls. Businesses also rely on accurate valuation to manage procurement costs and reduce financial risks.

So, if we summarize this, commodity valuation is a simple act of creating a framework for the price discovery to ensure there is fairness and efficiency in the commodity market. This, in turn, helps the participants make informed choices instead of trading blindly.

Features of Commodity Valuation

To understand commodity valuation better, it is important to understand the key features of the same. Now, one important point to note here is that it is not like retail or wholesale price valuation. It is quite different. So, here are the features to know.

Market-Driven Nature: Valuation is highly based on the demand and supply conditions. This makes it sensitive to the seasonal changes and global market conditions as well. Also, consumer demand is an important aspect that impacts the value.
Dynamic Pricing: Commodity prices change every day. The dynamic pricing makes it very important for the traders to stay updated on the market conditions and the changes happening around.
Standardisation and Benchmarks: Commodities are often valued against international benchmarks. These can be the key indices like WTI for crude oil or LBMA for gold. The idea of using these is to ensure transparency and uniformity.
Quality and Grade Sensitivity: Every commodity has different grades. The higher the grade, the more would be the price. This is directly linked to the quality and features available. So, be sure to check the same as well.
Global Interlinkages: Commodity valuation is affected by the global factors as well. Be it the policies or current values, everything impacts them, and so one should stay updated on the cross-border policies as well.

Read Also: What is Commodity Market in India?

Pricing Mechanisms of Commodity Transactions

Commodity prices are discovered through different mechanisms, each suited for particular market needs. The major ones include:

1. Fixed Price

Buyer and seller lock in a price in advance, regardless of future market movements. It offers certainty but removes the chance to benefit from favourable price shifts.

2. Floor and Ceiling Price

A minimum (floor) and maximum (ceiling) price is set, usually by an exchange or authority. This prevents extreme losses or gains while keeping prices within a safe band.

3. Variable Price

The price is decided by current demand and supply conditions. Since these factors change constantly, this mechanism reflects real-time market dynamics.

4. Floating Price

Common in long-term contracts, the final price is determined by averaging market prices over a set period. It reduces the impact of sudden volatility, often used in oil or gas trades.

5. Spot Pricing

Reflects the immediate market value for instant delivery of a commodity. It is the most transparent but also the most volatile pricing method.

6. Futures Pricing

Prices are set for future delivery via exchange-traded contracts. This is mainly aimed at hedging and considers all the key aspects linked to the pricing factors.

7. Auction or Negotiated Pricing

This is more in agricultural and niche commodities. The prices are decided through direct negotiations or auctions between buyers and sellers based on need and quality.

Quick Comparison of Pricing Mechanisms

Mechanism	What it is	Pros	Cons
Fixed Price	Buyer and seller agree on a price in advance for delivery later	Provides certainty, protects from sudden price swings	No benefit if market moves favourably after agreement
Floor & Ceiling	Sets minimum and maximum prices for a commodity	Controls extreme volatility, gives safe trading range	Limits potential gains and flexibility
Variable Price	Price is decided in real time based on demand and supply	Reflects true market conditions, transparent	Highly volatile, harder to plan budgets
Floating Price	Final price is averaged over a set period in long-term contracts	Reduces impact of short-term fluctuations, stable over time	May not capture sudden favourable moves
Spot Pricing	Price for immediate purchase and delivery	Transparent, shows real market value instantly	Very volatile, risky for large buyers
Futures Pricing	Contracts set today for delivery in future at agreed price	Useful for hedging, helps forecast costs	Complex, requires margin money and market knowledge
Auction/Negotiated	Price set using buyer-seller negotiation	Flexible, often considers quality and local demand	Less standardised and lack transparency

Key Factors Affecting Commodity Valuation

It is now clear that commodity valuation is based on various factors. But the question is, what are they? Well, here are the common ones to know:

1. Demand and Supply

The basic driver of all valuations. When demand is high or supply is low, prices rise. Likewise, when the demand is less and the supply is high, prices fall. Seasonal aspects and market needs will impact this.

2. Global Benchmarks

International standards serve as the price benchmarks. These include Brent Crude for oil, LBMA for gold, or COMEX for metals. The local markets align with these for transparent and fair prices.

3. Government Regulations

Any changes in the government policies linked to import and export will change the prices. Also, if there is a ban on a certain product, prices will change as well.

4. Currency Fluctuations

Since commodities are largely priced in US dollars, exchange rate changes directly impact local valuation. A weaker local currency usually makes commodities more expensive.

5. Geopolitical Events

Wars, sanctions, and global conflicts can disrupt supply chains. This often impacts the supply and thereby the prices.

Why is Commodity Valuation Important?

Commodity valuation guarantees fairness and transparency. But there are other reasons as well that make it very important. These are:

Traders can get assurance on the prices while buying and selling.
Investors can plan and manage risks better to avoid losses.
Businesses can get the raw materials at the right prices easily.
Farmers and exporters can negotiate prices in a fair manner.
Regulators can manage inflation and unwanted spikes to avoid chaos.
Local industries can stay ahead and match the global market.

Commodity Valuation in India

In India, commodities are mainly traded through the two platforms which are:

Prices on these exchanges are influenced by various factors like global standards and domestic demand. So, if there is a change in any one of the factors, the prices will change on these exchanges. This will ensure that the traders and investors pay a fair price and earn better.

Read Also: Types of Commodity Market in India

Conclusion

Investing in commodities is a great decision. But while you plan to do so, it is important that you understand the commodity valuation as well. This will ensure you pay fair prices and are earning profits too.

In India, where exchanges like MCX and NCDEX lead the market, knowing how valuation works can protect you from risk and open better opportunities. If you are planning to enter the commodity market, start your journey with Pocketful and trade with confidence.

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Frequently Asked Questions (FAQs)

How are commodities valued in India?
Commodities in India are valued based on various factors. From the demand and supply to the government policies, everything impacts the prices.
Which commodities are most traded in India?
Gold, silver, crude oil, and natural gas are a few commonly traded commodities. Agricultural products like soybean, cotton, and wheat are a few others that are actively traded commodities on Indian exchanges.
What is the role of MCX in commodity valuation?
The Multi Commodity Exchange (MCX) provides a transparent platform. It is where buyers and sellers discover fair prices for commodities through real-time trading.
How do global prices affect commodity valuation in India?
Since many commodities are priced internationally in US dollars, global benchmarks are important. These directly impact Indian prices after adjusting for currency movements.
Can commodity valuation impact inflation in India?
Yes, the commodity valuation can impact the inflation in India. Hence, these are tracked by the policymakers very closely.

November 22, 2025

Barbell Strategy: How It Works & Types Explained

Investing is not easy in today’s time. The market can go up or down anytime, interest rates can change and uncertainty always remains. In such an environment, the biggest question is where to invest money so that it remains safe and also gives good returns. This is where Barbell Strategy comes in handy. So what is Barbell Strategy? This is a method in which the investment is divided into two parts – most of the part in safe options and a smaller part in more risky, but big profit options. That is why in today’s changing times, its importance Barbell Strategy increases even more.

What is a Barbell Strategy?

A portfolio structure in which investments are divided into two very different types of assets: low-risk investments on one side and high-risk, high-return potential investments on the other. The middle segment, a moderate-risk segment, is deliberately left out. This approach differs from traditional diversification because it specifically ignores the “middle option”

Origin and Background

This strategy was popularized by Nassim Nicholas Taleb. He described it as a blend of “hyper-conservative and hyper-aggressive” investing. Its main purpose is to protect against Black Swan events, i.e., unexpected market events, and also to profit when they occur.

How Barbell Strategy Works?

The barbell strategy is just like a barbell with weights on both ends and an empty middle. The same approach is adopted in investing.

Safe portion: Investments that are stable and low-risk, such as government bonds, FDs, cash or gold.
Risky portion: Small startups, small-cap stocks, crypto or new technology sectors, which have the potential to get high returns.
Middle portion: Medium-risk assets such as mutual funds or blue-chip stocks are not included in this strategy.

Example: Suppose your portfolio is of ₹10 lakh. In this, ₹8.5 lakh (85%) is in safe investments and ₹1.5 lakh (15%) in high-risk options. Due to no medium-risk investments, your portfolio is formed in a barbell-like structure.

Read Also: Options Trading Strategies

Types of Barbell Strategy

1. Conservative Barbell Strategy

In this, a large part of the portfolio remains in safe investments and a small part in high-risk investments.

Use: Investors who want safety but also want growth in a small portion.

2. Aggressive Barbell Strategy

Slightly less safe portion and more high-risk portion. Like 60–70% safe and 30–40% high-risk.

Use: Young or experienced investors who want higher returns in the long term and can take risks.

3. Hybrid Barbell Strategy

There is some flexibility in safe and risky parts. The risky part is divided into different high-risk options, like startup + crypto + small-cap shares.

Use: Investors who want more upside potential with diversification.

4. Time-Based Barbell Strategy

In this, the investment decision is taken on the basis of time. Investing in the high-risk part for the long term and focusing on the safe part for the near future.

Use: Investors who want both short-term stability and long-term growth.

Importance of Barbell Strategy

1. Risk Management

The biggest advantage of Barbell Strategy is effective risk management. In this, most of your money remains in safe instruments like government bonds or FDs, which keeps the principal capital safe. At the same time, having a small part in high-risk investments gives you a chance to get asymmetric returns.

2. Psychological Comfort

Investment is not just a game of mathematics but also of emotion and discipline. When a large part of the portfolio is in safe options, the investor does not panic even during market decline or volatility. This mental balance improves investment decisions.

3. Flexibility in Uncertain Times

In today’s era where inflation, changes in interest rates and geopolitical risks remain constant, Barbell Strategy gives flexibility. The safe part protects you from the decline and the risky part gives a chance to connect with big opportunities.

4. Popular among professional and retail investors

This strategy is not just limited to books. From big hedge funds to institutional investors to retail investors, it is adopted by everyone to control downside risk and take advantage of rare but big profits. Even common investors have started adopting it with combinations like FD + crypto or index funds + startups.

5. Right balance of safety and growth

The real meaning of the importance of Barbell Strategy is that it gives you the benefit of both worlds – safety as well as growth. That is, you have the possibility of getting good returns without taking excessive risk.

How to adopt the barbell strategy

Understand your goals and risks first : First decide what you want from your investment and how much risk you can take. If you are young and investing for the long term, you can take a little more risk. On the other hand, people close to retirement will mostly focus on safe options.
Decide the ratio of safe and risky parts : Divide the portfolio into two parts: a large part in safe investments and a small part in high-risk investments. Beginner investors can keep a ratio of 80/20 or 90/10, while experienced investors can go up to 70/30.
Choose the right investment option : Government bonds, FDs, cash or gold are good options for the safe part. For the risky part, you can invest in startups, small-cap stocks, crypto or emerging sectors like AI, biotech.
Start slowly : Start with small investments. This will reduce the fear of loss and with experience you can gradually increase the risk portion.
Review and balance from time to time : Look at your portfolio at least once a year. See if the ratio of safe and risky parts is correct or not. Rebalance if needed.

Barbell vs. Other Investment Strategies

There are many types of strategies in the world of investment. Some investors adopt traditional diversification, some core-satellite approach, while the Barbell Strategy is considered a little different and more “extreme”.

Strategy	How It Works	Advantages	Limitations
Traditional Diversification	Investment Spread across low, medium, high risk assets	Balanced, stable returns	Limited growth potential
Core-Satellite Approach	Core in safe/index funds, small part in risky bets	Mix of safety & growth	Doesn’t capture extreme opportunities
Barbell Strategy	Large portion in safe assets, small portion in high-risk assets	Capital protected + chance for big gains	Needs discipline; misses moderate returns

Psychological & Behavioral Side of Barbell Strategy

Moderate risk aversion : Often investors choose a path that is neither completely safe nor highly profitable. This is called moderate risk investing. In such a situation, investors are often dissatisfied and confused. The barbell strategy deliberately bypasses this path and focuses only on two ends, one safe and the other high risk.
Mental balance and confidence : The barbell strategy matches well with our thoughts and emotions. The safe part gives mental peace to the investor and reduces panic when the market falls. On the other hand, the risky part gives excitement and the possibility of big profits. This means that the investor can take informed decisions without fear.
Greed and decision control : When the high-risk part performs well, it feels like putting more money in it. This is natural, but doing so can unbalance the portfolio. Therefore, it is important that investors stick to their basic rules and do not take hasty decisions.
Discipline and regular balancing : Discipline is very important to make this strategy successful. The investor should review his portfolio from time to time and maintain a balance between the safe and risky components. This ensures that no component is over or underweight.
Practical benefits : The barbell strategy reduces several common investment mental mistakes:

Loss Aversion: Having a safe component prevents investors from panicking in a downtrend.
Disposition Effect: A clear division of safe and risky components makes decisions logical.

Read Also: Top Algorithmic Trading Strategies

Risks and Limitations of Barbell Strategy

Missing out on medium-risk investments : The barbell strategy deliberately leaves out moderate-risk assets such as blue-chip stocks or balanced mutual funds. This means that these safe and stable growth options are not available.
Overconfidence in risky investments : When a small portion is invested in high-risk assets, many times investors become overconfident in them. This overconfidence can lead to losses.
Low returns on safe portion : Safe assets such as government bonds or FDs can give very low returns during inflation. This means that the purchasing power of your money can decrease.
Risk of improper allocation : If too much is invested in the risky portion, the portfolio becomes unbalanced and the chances of big losses increase.
Need for patience and long-term planning : The barbell strategy does not give immediate benefits. Patience, discipline and long-term thinking are necessary to implement it correctly.

Conclusion

The barbell strategy is an investment strategy that gives a balanced mix of safe and risky components. In this, your major money remains in safe places and a small part goes into investments that have a chance of high returns. With the right planning and a little patience, this strategy helps you protect yourself from market uncertainties and also take advantage of big opportunities.

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Frequently Asked Questions (FAQs)

What is a Barbell Strategy?
It is an investment strategy in which your money is divided into two parts—a large part in safe investments and a small part in high-risk, high-reward investments.
Who should use the Barbell Strategy?
It is suitable for investors who want safety but also want to take a chance at big profits in a smaller portion.
Is Barbell Strategy risky?
Only a small part of the entire portfolio is high-risk, so the overall risk is low.
How to decide the split between safe and risky assets?
Decide the ratio based on the investor’s age, experience and risk tolerance, such as 80/20 or 70/30.
Can beginners follow this strategy?
Yes, beginners can also easily adopt it by starting with small investments and gradually increasing experience.

November 22, 2025

Vijay Kedia Portfolio 2025: Latest Holdings, Strategy & Analysis

The Indian stock market has its share of individuals who have made a name for themselves through their intelligence and patience, and Vijay Kedia is one of them. Coming from a humble background, Kedia started from very small beginnings, but through hard work and sound judgment, he is now considered one of the country’s most renowned investors. His portfolio is now worth approximately ₹1,400 crore. In this blog, we will discuss his investment strategies, his favorite companies, and the lessons that every investor can learn from him.

In this blog, we will uncover the ideas, strategies, and experiences that turned Vijay Kedia into one of India’s most respected long-term investors.

Vijay Kedia Portfolio 2025

Vijay Kedia’s 2025 portfolio reflects his signature investing style—backing high-quality, scalable businesses with strong management and long-term growth potential.

Portfolio Stocks	Market Cap (₹ Cr)	Holding (%)	Current Price (₹)	1Y Return (%)
Atul Auto Ltd	1,273	20.91	459	-17.04%
Neuland Laboratories Ltd	21,567	1.01	16,792	12.64%
Elecon Engineering Company Ltd	11,996	1.09	534	-6.72%
TAC Infosec Ltd	1,768	14.60	844	122.79%
Sudarshan Chemical Industries Ltd	8,134	1.41	1,035	2.79%
Vaibhav Global Ltd	4,127	2.03	247	-9.17%
Yatharth Hospital	7,307	1.31	758	25.17%
Mahindra Holidays & Resorts India Ltd	6,832	1.00	338	-5.29%
Repro India Ltd	749	6.33	523	2.33%
Innovators Facade Systems Ltd	305	10.66	387	11.71%
Siyaram Silk Mills Ltd	3,509	1.00	774	8.71%
TechD Cybersecurity	1,682	3.15	177	-43.63%
Om Infra Ltd	1,074	2.49	112	-22.32%
Affordable Robotic & Automation Ltd	223	9.93	251	-65.24%
Global Vectra Helicorp Ltd	201	5.07	281	-14.10%

(As of 20 Nov 2025)

Vijay Kedia Portfolio 2025 – Sector-wise Breakdown

Sector	Equity (%)
Engineering	13%
Auto (2 & 3 Wheelers)	7%
Textiles (Weaving)	7%
Construction & Contracting (Civil)	7%
Auto Ancillaries	7%
Hotels	7%
Telecommunications (Equipment)	7%
Engineering (Heavy)	7%
Dyes & Pigments	7%
Printing & Stationery	7%
Pharmaceuticals	7%
Retail	7%
Transport & Logistics	7%
IT Services & Consulting	7%

(As of 20 Nov 2025)

Key Performance Indicators (KPIs) of Vijay Kedia Portfolio

The key performance metrics of Vijay Kedia Portfolio Stocks are mentioned below:

Company	Operating Margin (%)	Net Profit Margin (%)	ROE (%)	ROCE (%)	Debt to Equity
Neuland Laboratories Ltd	18.83	17.61	17.06	16.23	0.09
Elecon Engineering Company Ltd	24.33	18.27	20.76	24.71	0.00
Tejas Networks Ltd	10.64	5.00	11.60	22.44	0.85
Sudarshan Chemical Industries Ltd	7.41	1.71	1.62	3.64	0.61
Mahindra Holidays & Resorts India Ltd	12.29	4.56	-46.14	3.92	-3.57
Vaibhav Global Ltd	6.36	4.53	11.36	14.78	0.08
Siyaram Silk Mills Ltd	13.10	8.87	15.36	20.65	0.18
Precision Camshafts Ltd	6.51	6.25	6.82	6.80	0.12
TAC Infosec Ltd	59.25	55.72	24.27	25.73	0.03
Atul Auto Ltd	5.09	2.53	4.90	6.94	0.25
Om Infra Ltd	7.09	5.04	4.81	6.03	0.10
Innovators Facade Systems Ltd	13.81	7.12	11.04	19.64	0.42
Global Vectra Helicorp Ltd	6.68	-0.11	-3.05	10.71	4.79
Affordable Robotic & Automation Ltd	-2.60	-7.16	-11.56	-3.36	0.55

(As of 20 Nov 2025)

About Vijay Kedia

Vijay Kedia is a well-known Indian investor, whose name is synonymous with “multibagger stocks.” He was born in 1959 in Kolkata. He developed a passion for the stock market at a young age. He started trading at just 19 years old, but initially suffered significant losses. He learned from his mistakes and gradually made long-term investing his main focus.

Today, Vijay Kedia is one of India’s top value investors. He has generated huge returns by investing in stocks like Atul Auto, Cera Sanitaryware, and Sudarshan Chemical at an early stage. He believes that money is made in the market only when you have patience and wait for the growth of good companies.

Kedia’s philosophy is simple honest management, a scalable business, and a long-term vision. This approach has made him a successful and respected investor.

Detail	Information
Full Name	Vijay Kishanlal Kedia
Year of Birth	1959
Place of Birth	Kolkata, West Bengal, India
Education	Graduate in Commerce
Profession	Investor, Trader, and Entrepreneur
Famous For	One of India’s most successful value investors and multibagger stock pickers
Investment Firm	Kedia Securities Pvt. Ltd.
Investment Philosophy	SMILE Model Small in size, Medium in experience, Large in aspiration, Extra-large in opportunity

How Vijay Kedia Identifies Multibagger Stocks

Long-Term Vision : Vijay Kedia always prioritizes long-term investments. He believes that a company’s true potential unfolds over time, so patience is crucial rather than seeking quick profits. He says, “Waiting patiently in the right company is where the real money is made.”

SMILE Model : Vijay Kedia’s entire strategy is based on his famous SMILE model. It emphasizes four key points:

S – Small in Size : Choosing small but fast-growing companies.
M – Medium in Experience: The management team should have several years of solid experience.
L – Large in Aspiration: The company should have a strong desire to think big and grow.
E – Extra-large in Market Potential: The sector in which the company operates should have significant growth opportunities.

This model shows that Vijay Kedia doesn’t just look at small companies, but trusts in their future potential and the management’s vision.

Trust in Management : Kedia believes that the real strength of any company lies in its management. He invests in businesses with honest, transparent, and passionate leadership. According to him, “If the management is good, the company can navigate even difficult situations.”

Focus on Emerging Sectors : He is always on the lookout for sectors that are likely to grow rapidly in the coming years. In recent years, he has increased his investments in sectors like chemicals, manufacturing, and financial services. He believes that these sectors will play a major role in India’s growth story.

Control Over Emotions : Vijay Kedia believes that the most difficult thing in investing is controlling one’s emotions. He always makes decisions based on data and logic, not on fear or greed.

Key Lessons for Retail Investors from Vijay Kedia’s Portfolio

Finding Big Opportunities in Small Companies : Vijay Kedia always chooses companies that are currently small but have the potential for future growth. He says, “If a small company is moving in the right direction, it will eventually become a multibagger.” Retail investors can also benefit in the long term by keeping an eye on steadily growing companies.

Trust in Good Management : A company’s true strength lies in its management. If the team is honest and passionate about their work, the company can weather even difficult situations. Therefore, before investing, always check who is running the company.

Invest with a Long-Term Perspective : Kedia believes that real wealth in the stock market is created over time. If the company is good, give it time to grow. Patience is more important than getting worried about daily fluctuations.

Don’t Be Afraid of Downturns : The market doesn’t always go up. Downturns are a part of every investment. Kedia says, “Investors who sell out of fear miss out on real opportunities.” As long as the company’s fundamentals are strong, it’s wise to remain calm.

Keep an Eye on Growing Sectors : He always chooses sectors that are linked to the country’s development – such as chemicals, manufacturing, and financial services. Retail investors can also look for growth opportunities in these sectors.

Do Your Own Research : It’s better to invest based on your own understanding than to blindly follow big investors. Kedia also says, “If you haven’t done your own research, fear or greed will force you to make wrong decisions.”

Common Misconceptions About Vijay Kedia’s Portfolio

Myth 1: If we copy Vijay Kedia’s portfolio, we will get the same returns.

Reality: Everyone has different thinking, risk tolerance, and investment time horizons. Understanding his strategy is good, but blindly copying it would be wrong.

Myth 2: All the stocks he chooses are always safe.

Reality: Kedia often invests in small and mid-cap companies. These have higher growth potential, but also carry higher risk.

Myth 3: He never sells his stocks.

Reality: If he feels that a company’s situation is weakening or its fundamentals are changing, he exits the position in a timely manner.

Myth 4: His multibagger stocks are created purely by luck.

Reality: Every position he takes is a result of research, experience, and patience. It’s not luck, but understanding and hard work that are his strengths.

Myth 5: He only invests in large companies.

Reality: His specialty is identifying those small companies that have the potential to become big in the future.

Conclusion

Vijay Kedia’s story shows that money is made in the stock market only when one is patient and trusts their own judgment. He consistently chose companies with clear business models and strong growth potential. His philosophy is clearly focused on building wealth steadily rather than trying to get rich quickly.

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1	Shankar Sharma Portfolio 2025: Top Stocks & Strategy
2	Raj Kumar Lohia Portfolio in 2025 – Holdings List, Changes and Strategy
3	Rakesh Jhunjhunwala Portfolio 2025: Top Holdings & Strategy
4	Radhakishan Damani Portfolio: Stock Holdings and Strategy
5	Mukul Agarwal Portfolio 2025: Top Holdings, Net Worth & Strategy
6	Ashish Kacholia Portfolio 2025: Top Stocks & Strategy
7	Top 10 Investors in the World

Frequently Asked Questions (FAQs)

Who is Vijay Kedia?
Vijay Kedia is a well-known Indian investor, famous for his long-term investment strategy and ability to pick multibagger stocks.
What is Vijay Kedia’s investment strategy?
He always invests for the long term in fundamentally strong, small but high-growth potential companies.
What is Vijay Kedia’s net worth in 2025?
His estimated net worth in 2025 is approximately ₹1,400 crore.
Which are some popular multibagger stocks of Vijay Kedia?
Some of his popular multibagger stocks include Atul Auto, Cera Sanitaryware, and Sudarshan Chemical.
Can we copy Vijay Kedia’s portfolio for investment?
No, every investor has a different mindset and risk appetite. It’s better to learn from his strategy, but blindly copying it is not advisable.

November 21, 2025

Raj Kumar Lohia Portfolio 2025: Holdings, Strategy & Analysis

Raj Kumar Lohia is not just an investor but a long-term value investor who has distinguished himself by breaking away from conventional thinking and investing in lesser-known but strong companies. A look at his 2025 portfolio is important because his chosen business-focused approach can guide investors like us in today’s changing economic environment. His holdings provide insight into how an experienced investor identifies sustainable growth, evaluates management quality, and maintains conviction in fundamentally strong businesses despite market sentiment.

In this blog, we will provide a complete analysis of his “Raj Kumar Lohia Portfolio” , the list of companies in it, recent changes, and long-term investment strategy.

Raj Kumar Lohia Portfolio in 2025

The 2025 Raj Kumar Lohia portfolio reveals his preference for quality mid-cap companies across engineering, healthcare, IT, and media. This table highlights their market cap, performance, and strategic importance in his holdings.

S.no	Portfolio Stocks	Market Cap (₹ Cr)	Current Price (₹)	1Y Return (%)	Sector
1	Shivalik Bimetal Controls Ltd	2,658	461	-20.68%	IMetals / Engineering
2	Kwality Pharmaceuticals Ltd	985	850	9.10%	Pharmaceuticals / Healthcare
3	Ceinsys Tech Ltd	2,102	1,205	-13.84%	IT / Engineering Services
4	Om Infra Ltd	1,050	109	-21.05%	Industrials / Construction & Engineering
5	Lincoln Pharmaceuticals Ltd	1,071	535	-14.20%	Pharmaceuticals/Healthcare
6	TAAL Enterprises Ltd	951	3,089	14.32%	Engineering Technical Solutions / Aviation Services
7	Linc Ltd	723	121	-20.94%	Industrials / Stationery & Writing Instruments
8	Entertainment Network (India) Ltd	628	132	-28.57%	Media / Entertainment

(As of 19 Nov 2025)

Key Performance Indicators (KPIs) of Raj Kumar Lohia Portfolio

The key performance metrics of Raj Kumar Lohia Portfolio Stocks are mentioned below:

Company	Operating Margin (%)	Net Profit Margin (%)	ROE (%)	ROCE (%)	Debt to Equity

Shivalik Bimetal Controls Ltd	20.61	14.82	18.99	24.60	0.08
Kwality Pharmaceuticals Ltd	17.29	10.75	15.13	23.04	0.43
Ceinsys Tech Ltd	19.47	12.58	15.35	19.41	0.10
Om Infra Ltd	7.09	5.04	4.81	6.03	0.10
Lincoln Pharmaceuticals Ltd	17.82	13.21	12.25	16.07	0.00
TAAL Enterprises Ltd	36.35	26.35	23.91	32.79	0.00
Linc Ltd	9.96	6.98	16.21	20.63	0.03
Entertainment Network (India) Ltd	6.09	2.19	1.48	3.53	0.00

(As of 19 Nov 2025)

Who is Raj Kumar Lohia?

Raj Kumar Lohia was born in 1954 into a business family. He earned a bachelor’s degree in Economics from Kanpur University. At the age of 22, he joined the family business, which included agro-trading and plant-machinery, gradually developing a strong interest in financial markets and long-term value investing through hands-on business experience.

Raj Kumar Lohia Profile Summary

Description	Information
Full name	Raj Kumar Lohia
Birth Year	1954
Education	Bachelor of Arts Kanpur University
Key positions	Chairman and Managing Director, Lohia Corp Ltd
Industry Experience	Manufacturing, Engineering Machinery, Global Supply
Investment sentiment	Quality-driven, long-term, business-savvy focus

Latest Investment Portfolio Status

According to his publicly disclosed shareholdings, he holds stakes in approximately 62 companies and his portfolio value is estimated to be around ₹227 crore+ (as of September 2025).
Year-on-year variations show that he invests while recognizing both risks and opportunities.

Raj Kumar Lohia’s Investing Philosophy

Quality-First Approach: Lohia invests only in companies with strong fundamentals. He closely analyzes a company’s earnings, cash flow, and debt levels. He believes that sustainable businesses deliver the best returns over the long term.
Long-Term & Low-Churn Strategy: His investment approach is “hold for the long term.” He doesn’t buy or sell frequently. After selecting a strong company, he holds it for many years, allowing for steady compounding.
Focus on Scalable Sectors: He focuses on sectors with real growth potential in the coming years such as manufacturing, engineering, chemicals, and export-oriented companies. India’s rapidly growing competition in these sectors attracts him.
High-Conviction Approach: Lohia relies on a small number of select companies. He conducts in-depth research on each company and includes only those businesses in his portfolio that he sees as having a strong future.
Promoter Quality & Governance: The company’s management is the most important factor for them. They prefer companies where the promoter has a clean track record, strong governance, and transparent decision-making.

Risk Factors in the Raj Kumar Lohia Portfolio

High Concentration Risk: Lohiya holds large investments in just a few companies. A decline in one major stock could impact the entire portfolio.
Cyclical Sector Exposure: Many of his holdings are in sectors that are driven by economic conditions. Recessions or falling demand can put pressure on companies’ earnings.
Promoter & Governance Risk: He invests mostly in promoter-driven companies. Any management missteps or wrong decisions could impact a company’s performance.
Low Liquidity in Smallcaps: Smallcap stocks are less volatile. It can be difficult to sell them quickly if the market falls.
Global & Macro Impact: Companies such as chemical and engineering companies depend on global markets. Changes in oil prices, dollar rates, and foreign demand directly impact their profits.

Raj Kumar Lohia’s Investment Style: What Retail Investors Can Learn

Raj Kumar Lohia’s investment philosophy is simple and practical. He only invests in companies with strong businesses, stable financials, and trustworthy management.

Business-Focused Approach: Lohia focuses on business quality, not stock prices. His priority is companies that demonstrate long-term stable earnings and clean balance sheets.
Long-Term Holding: He invests with a 5–10-year horizon and avoids frequent trading. His primary strategy is to hold a strong company for the long term.
Independent & Research-Based Thinking: He doesn’t follow the crowd. He makes decisions based on his experience, data, and business analysis.
Promoter Quality & Governance: Before investing in any company, he first looks at the management’s integrity and transparency. A good promoter is his biggest safeguard.
Risk-Controlled Allocation: Lohia balances risk and makes meaningful allocations only to select, well-recognized businesses.

Should Retail Investors Copy Raj Kumar Lohia’s Portfolio?

Is it right to copy his portfolio?

The simple truth is that copying his portfolio exactly is not wise. The timing, purchase price, and risk appetite of the companies Lohia joined differ significantly from those of the average investor. The same stock he entered years ago is available at a completely different valuation today.

What should be understood from his strategy?

It’s more important to understand his thinking than copying his portfolio. He trusts the company’s foundation, management, and business model. This habit also helps the average investor—to stick to good companies without any fuss.

Should retail investors buy the same stocks?

No, buying just by looking at a list isn’t the right approach. Everyone’s income, goals, and risk tolerance are different. If you like a stock, first verify it yourself, understand the business, and only then make a decision.

Conclusion

Raj Kumar Lohia’s investment style clearly demonstrates that stable businesses, trustworthy management, and a long-term perspective always create a strong foundation. His portfolio helps us understand that focusing on the right companies can yield strong performance without all the noise. The most important thing for retail investors is to understand the fundamentals, risks, and their needs before investing in any stock. Wisdom and patience are what create real long-term gains, and Lohia’s disciplined strategy reminds us that sustained wealth is built through conviction, consistency, and informed decision-making.

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4	Radhakishan Damani Portfolio: Stock Holdings and Strategy
5	Mukul Agarwal Portfolio 2025: Top Holdings, Net Worth & Strategy
6	Ashish Kacholia Portfolio 2025: Top Stocks & Strategy
7	Top 10 Investors in the World

Frequently Asked Questions (FAQs)

Who is Raj Kumar Lohia?
He is an experienced Indian investor and industrialist known for his calm and thoughtful investment style.
What makes his investment style different?
He only believes in strong and clean businesses and holds those companies for the long term.
Should retail investors follow his portfolio?
Direct copying is not advisable; every investor’s needs and risk factors are different.
What type of companies does he usually invest in?
He chooses companies with low debt, strong cash flow, and trustworthy management.
Is his strategy helpful for beginners?
Yes, his approach is worth learning, just do your research before investing.

November 21, 2025

How to Earn Passive Income Through Dividend-Paying Stocks in India

Most people think that investing in stock helps only in capital appreciation, and to cash in the profit, one should sell their holdings. But it is not a smart way to sell the stock if you wish to have a passive income. Instead of investing in growth-oriented stocks, you can invest in dividend-paying stocks and earn passive income.

In today’s blog post, we will give you an overview of how to earn passive income by investing in dividend-paying stocks.

What are Dividend-Paying Stocks?

Dividend-paying stocks are the shares of companies that generally declare a portion of their profits regularly to their investors or shareholders. This dividend can be a regular source of income for conservative investors who are seeking passive income. The frequency of dividend distribution varies from company to company, generally ranging from quarterly to annual. Companies might sometimes declare an interim dividend. PSUs, OMCs, etc., are considered dividend-yielding companies.

Why Choose a Dividend-Paying Stock for Passive Income?

One should choose a dividend-paying stock for the following reasons:

Regular Income: Investment in dividend-yielding stocks can be a regular source of passive income for investors.
Capital Appreciation: In addition to the dividend, the company’s share value also increases over time. Hence, creating wealth in the long run.
No Capital Gain: Dividends can be a source of income without generating any capital gain, as you don’t have to sell your stocks to get the cash.
Hedge Against Inflation: Dividend-paying companies increase the amount of dividends based on their profit over time. Hence, a higher dividend yield can act as a hedge against inflation.

Read Also: What is Dividend ETF?

Example of Passive Income Through Dividends

Let’s understand passive income through an example.

Suppose you have invested 10,00,000 in a stock of ABC Limited. For a particular financial year, the company has declared a dividend yield of 2%.

Then the annual dividend you will receive will be around 2% of 10,00,000.

10,00,000 * 2%

= 20,000 INR.

Hence, you will receive 20,000 INR directly into your bank account.

How to Start Earning Passive Income Through Dividend-Paying Stocks

To earn passive income through dividend-paying stock, one needs to follow the steps mentioned below:

Opening a Demat and Trading Account: The next step is to identify a broker, where you want to open a demat and trading account. It is mandatory to have a demat account to invest in dividend-paying stocks. One can select a broker based on various parameters, such as brokerage charges and trading platform.
Identifying the Dividend Paying Stock: The first step is to determine the dividend-paying stock in which you wish to invest your money. One can identify a suitable stock using technical and fundamental parameters.
Dividend Yield: Then you need to check the dividend yield of the stock in which you wish to invest. To get higher passive income, one must select the company which has a high dividend yield and has a consistent record of paying it.
Diversification: One should diversify their dividend investment portfolio, so that in case of any trouble in a particular sector, another one will compensate for the passive income.
Review: Regular monitoring of the dividend portfolio, and remove the stocks whose dividend yield of which are decreased.

Read Also: 50 Passive Income Ideas in India

Mistakes to Avoid While Choosing Dividend-Paying Stocks

An investor must avoid making the following mistakes while choosing dividend-paying stocks:

Looking for High Dividend Yield: One must not only look for high dividend yield stocks, as dividend yield is calculated based on the stock price. And if the stock price falls drastically, then the one-time dividend yield will be high.
Fundamentals of the Company: It is required to check the fundamentals of the company. And should not invest in companies having poor fundamentals, such as high debt, decreasing revenue, and profits.
Dividend Payout Ratio: One should not overlook the dividend payout ratio of the company. Which means how much percentage of a company’s profit is paid out as a dividend.
Diversification: Generally, OMCs and PSUs declare higher dividends. However, it is not advisable to invest in only these sectors; one must diversify their holdings.
Tax: Dividends are taxed as per the applicable income tax slab rate. Therefore, one must consider their tax liabilities before investing in dividend yield stocks.

Conclusion

On a concluding note, having a passive income through dividends can be a fruitful decision for a conservative investor. One must invest in stocks with a better and consistent dividend-paying history, along with good fundamentals. You can reduce the risk in your dividend portfolio by spreading it across different industries. One should take this into account as a key factor before purchasing dividend stocks for passive income, though, as dividend incomes in India are taxed according to the applicable tax slab rates. Therefore, before making any investments in dividend-paying stocks for passive income, it is best to consult with your investment advisor.

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Frequently Asked Questions (FAQs)

What is a dividend?
Dividends are a part of a company’s profit, which is distributed to its shareholders in the form of a return for investing in the company’s shares.
When do companies pay dividends?
When companies make a profit, they typically pay out dividends. However, some businesses use their reserves and extra cash to pay dividends to shareholders. Dividend payments may be made on an interim basis, semi-annually, or annually.
How are dividends taxed in India?
In India, dividend income is added to the income of the shareholder and is taxed as per the applicable income tax slab rate to which the investor falls.
Do I need to hold stock for a long time to get a dividend?
No, you are not required to hold stock for a long time to get the dividend; you are required to own the stock on the record date of the dividend.
Do all companies pay dividends?
Not every company pays dividends. The company’s board of directors has the authority to decide whether to distribute the company’s profit in the form of a dividend or use it for further expansion or growth purposes.

November 20, 2025

Top 10 Richest Investors in the World 2025 – Net Worth, Key Investments & Strategies

There are some investors in the world who have redefined the very definition of investing through their decisions and visionary thinking. These are the people who have made their mark in global markets by effectively utilizing time, managing risk, and demonstrating keen insight. Some have built their future by investing in technology, while others have achieved long-term success through patience and discipline, consistently turning opportunities into wealth and inspiring millions of aspiring investors across the globe.

In this blog, we will provide a complete breakdown of the Top 10 Richest Investors in the World 2025, including their net worth, key investments, and the strategies that shaped their wealth.

Top 10 Biggest and Richest Investors In The World

The top global investors have accumulated massive wealth by combining market foresight, disciplined strategies, and long-term conviction. Their achievements offer insight into how informed decisions and patience can create extraordinary financial success.

S.No	Name	Estimated net worth	Country
1	Elon Musk	$ 500 billion	USA
2	Larry Ellison	$ 367.9 billion	USA
3	Jeff Bezos	$ 245.3 billion	USA
4	Mark Zuckerberg	$ 266.7 billion	USA
5	Larry Page	$ 160 billion	USA
6	Sergey Brin	$ 150-160 billion	USA
7	Bernard Arnault	$ 147–160	France
8	Steve Ballmer	$ 140-150 billion	USA
9	Warren Buffett	$ 147 billion	USA
10	Jim Simons	31.4 billion	USA

1. Elon Musk

Elon Musk is considered one of the most influential investors and entrepreneurs in the world today. He has proven that true wealth is not just built on money, but on vision. Born in South Africa, Musk has made technology and innovation his hallmark. Through Tesla, he revolutionized the electric vehicle industry, while SpaceX has given a new direction to space exploration. In recent years, his focus has been on artificial intelligence and sustainable energy solutions. His success is an example of how those who dare to take risks are the ones who change the world.

Personal Information	Description
Full name	Elon Reeve Musk
Date of Birth	June 28, 1971
Place of Birth	Pretoria, South Africa
Main companies	Tesla, SpaceX, Neuralink, xAI

2. Larry Ellison

Larry Ellison is a name synonymous with success in the world of technology, a man who transformed his dreams into reality. He founded Oracle in 1977 and gradually built it into one of the largest software companies in the industry. His forward-thinking approach quickly adopting new technologies and leveraging them in business has been his greatest strength. He is also a major shareholder of Tesla. Larry believes that success comes not from luck, but from persistent effort and genuine passion. Today, Oracle’s identity is inextricably linked to his vision and leadership.

Personal Information	Description
Full name	Lawrence Joseph “Larry” Ellison
Date of Birth	August 17, 1944
Place of Birth	New York City, USA
Main companies	Oracle Corporation (Co-founder, Executive Chairman & CTO)

3. Jeff Bezos

Jeff Bezos’s story is proof that someone with a big vision can start from anywhere. He started Amazon in his garage, initially selling books online. Gradually, Amazon transformed from just a company into the world’s largest e-commerce platform. Bezos has always prioritized the customer experience above all else, and this mindset sets him apart from everyone else. His journey demonstrates that patience, focus, and innovative thinking can turn any dream into reality.

Personal Information	Description
Full name	Jeffrey Preston Bezos
Date of Birth	January 12, 1964
Place of Birth	Albuquerque, New Mexico, USA
Main companies	Amazon.com Inc.

4. Mark Zuckerberg

Mark Zuckerberg’s story is a great inspiration for the new generation. He started Facebook as just a college project, but his vision went far beyond that. Mark’s goal was to connect people around the world, and today, through Meta Platforms, he has achieved just that. He has transformed social media into a powerful force that is now an integral part of business, communication, and technology. Major focus today: AI, metaverse, VR/AR technologies.

Mark has always believed in learning new things and adapting to changing times. This very quality has made him one of the most successful investors and innovators in the world today.

Personal Information	Description
Full name	Mark Elliot Zuckerberg
Date of Birth	May 14, 1984
Place of Birth	White Plains, New York, USA
Main companies	Meta Platforms

5. Larry Page

Larry Page is one of the people who completely transformed the internet. He co-founded Google in 1998 with his friend Sergey Brin when the concept of a search engine was still new. Their vision was to make all the world’s information easily accessible to everyone. Larry has always believed that technology should be a tool to make people’s lives easier. After the success of Google, he ventured into several new projects through Alphabet, such as AI, self-driving cars, and health technology. His thinking has always been focused on the future; this is what makes him a true innovator and a major figure in the world of investment.

Personal Information	Description
Full name	Lawrence Edward Page
Date of Birth	March 26, 1973
Place of Birth	East Lansing, Michigan, USA
Main companies	Google (now Alphabet Inc.)

6. Sergey Brin

Sergey Brin is an entrepreneur who has made technology an integral part of people’s lives. Born in Russia and raised in the United States, Sergey co-founded Google with Larry Page. Their goal was to organize the world’s information in a way that everyone could easily access it. Sergey is known for his creative thinking and experimental approach. After Google, he ventured into areas like AI, robotics, and health technology through Alphabet. He believes that true success comes only when your work improves people’s lives.

Personal Information	Description
Full name	Sergey Mikhaylovich Brin
Date of Birth	August 21, 1973
Place of Birth	Moscow, Russia
Main companies	Google (now Alphabet Inc.)

7. Bernard Arnault

Bernard Arnault is a quiet yet highly astute business leader. He built LVMH into the world’s largest fashion group by consolidating numerous smaller luxury brands. Bernard believes that the true strength of any brand lies in its identity and trustworthiness. He consistently prioritizes quality and class, which is why every LVMH product exudes a distinct sense of luxury and sophistication. Bernard’s philosophy is clear: business is not just a means of making money, but also a way to preserve art and craftsmanship.

Personal Information	Description
Full name	Bernard Jean Étienne Arnault
Date of Birth	March 5, 1949
Place of Birth	Roubaix, France
Main companies	LVMH

8. Steve Ballmer

Steve Ballmer’s story is like that of an ordinary man on an extraordinary journey. He started as an early employee at Microsoft and gradually rose to become the company’s CEO. His passion and confidence helped Microsoft become one of the world’s largest tech companies. Steve was always wholeheartedly dedicated to his work, and this passion is what set him apart from others. After leaving Microsoft, he bought the NBA team Los Angeles Clippers, because he loves sports just as much as he loves business.

Personal Information	Description
Full name	Steven Anthony Ballmer
Date of Birth	March 24, 1956
Place of Birth	Detroit, Michigan, USA
Main companies	Microsoft Corporation

9. Warren Buffett

Warren Buffett is known to the world as the “Oracle of Omaha.” He started investing at a very young age and gradually built a reputation that is respected worldwide today. Buffett has always believed in long-term investing and simplicity. He says that success in the stock market comes not from luck, but from understanding and patience. He thoroughly understands a company’s business model before investing in it. Buffett’s philosophy is straightforward—invest only where there is both trust and value.

Personal Information	Description
Full name	Warren Edward Buffett
Date of Birth	August 30, 1930
Place of Birth	Omaha, Nebraska, USA
Main companies	Berkshire Hathaway

10. Jim Simons

Jim Simons is an investor who revolutionized the way people understand the stock market by using mathematics and data, Known for contributions to geometry and topology. He was initially a mathematician and codebreaker, but later ventured into the world of finance and founded Renaissance Technologies. His company trades using computer algorithms and data analysis, which has consistently generated exceptional returns. Jim has always believed that decisions should be based on logic and facts, not emotions. He proved that if you apply knowledge and technology correctly, you can even outperform the market.

Personal Information	Description
Full name	James Harris Simons
Date of Birth	April 25, 1938
Place of Birth	Newton, Massachusetts, USA
Main companies	Renaissance Technologies

Conclusion

These investors’ stories show that success doesn’t come from luck, but from intelligence and consistent hard work. Each had a different approach, but they all shared one thing in common: faith in their vision. It was this faith that propelled them to the list of the world’s most successful investors.

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Frequently Asked Questions (FAQs)

Who is the richest investor in the world right now?
The richest investor in the world right now is Elon Musk, who owns companies like Tesla and SpaceX.
Who is called the “Oracle of Omaha”?
The title “Oracle of Omaha” is given to Warren Buffett, who is famous for value investing.
Which company was founded by Larry Ellison?
Larry Ellison founded Oracle Corporation, which is one of the world’s largest software companies.
How did Warren Buffett become one of the world’s top investors?
Warren Buffett became a top investor through value investing, long-term focus, and choosing businesses he fully understands. His company Berkshire Hathaway manages a large investment portfolio.
What are the common traits of the richest investors in the world?
Most top investors share traits like long-term vision, disciplined investing, risk-taking ability, innovation, and a strong belief in their ideas.

November 20, 2025

Blog

What is Quick Commerce (Q-Commerce)?

How Quick Commerce Works

Key Features of Quick Commerce

Quick Commerce Business Model Explained

Advantages of Quick Commerce

Challenges and Limitations

Future of Quick Commerce

Q-Commerce vs E-Commerce vs Traditional Retail

Conclusion

Frequently Asked Questions (FAQs)

What is Quick Commerce?

How does Quick Commerce work?

Which companies use the Quick Commerce model?

What are the benefits of Quick Commerce?

What challenges does Quick Commerce face?

What Drives Gold Prices in India?

1. Global Economic Conditions

2. US Dollar Movement

3. Inflation Trends

4. Interest Rate Changes

5. Geopolitical Events

6. Seasonal and Cultural Demand

7. Rupee Exchange Rate

Historical Analysis of Gold Prices in India (2010 to 2025)

1. Early Growth Phase (2010 to 2015)

2. Build Up and the COVID Surge (2016 to 2020)

3. After COVID and New Global Shocks (2021 to 2023)

4. Inflation, Weak Dollar and Record Highs (2024 to 2025)

Major Trends Seen Over 15 Years (2010 to 2025)

How Investor Strategies Evolved Over These Years

Expected Gold Price Outlook (2026 to 2030)

Is Gold Likely to Stay a Strong Investment?

Things to Consider Before Looking at Long-Term Gold Forecasts

Conclusion

Frequently Asked Questions (FAQs)

How often should gold price forecasts be reviewed?

Do rising gold prices always mean it is the right time to buy?

Is digital gold a good starting point for beginners?

Can gold fall even if demand stays high?

Is there an ideal holding period for gold?

What Are Equity Shares?

Features of Equity Shares

Pros of Equity Shares

Cons of Equity Shares

What Are Preference Shares?

Features of Preference Shares

Pros of Preference Shares

Cons of Preference Shares

Equity Shares Vs Preference Shares

Conclusion

Frequently Asked Questions (FAQs)

Who should invest in equity shares?

Who should invest in preference shares?

Can a company issue both equity and preference shares?

Do preference shareholders ever get voting rights?

Are preference shares traded on stock exchanges like equity shares?

Meaning of Hedging

Features of Hedging

Types of Hedges

1. Forward Hedge

2. Future Hedge

3. Money Market Hedge

4. Option Hedge

Hedging Strategies

Examples of Hedging

Advantages of Hedging

Risk of Hedging

Conclusion

Frequently Asked Questions (FAQs)

What are the types of hedging?

Does hedging eliminate 100% risk?

Why is hedging used by investors?

Does hedging require only derivatives?

Does hedging involve any cost?

What is Commodity Valuation?

Features of Commodity Valuation

Pricing Mechanisms of Commodity Transactions

1. Fixed Price

2. Floor and Ceiling Price