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IRFC, RVNL, IRCON Tank 15% as Budget Leaves FY26 Capex Unchanged

IRFC, RVNL, IRCON Tank 15% as Budget Leaves FY26 Capex Unchanged

In the aftermath of the Union Budget announcement, five major railway Public Sector Undertakings (PSUs) have experienced significant declines in their stock prices, collectively losing approximately ₹40,000 crore in market capitalization over two trading sessions. This downturn is closely linked to the government’s decision to maintain the capital expenditure (capex) for the Indian Railways at ₹2.65 lakh crore for the fiscal year 2025-26, mirroring the previous year’s allocation.

This decision has raised concerns among investors and market analysts who anticipated a higher allocation to support the railway sector’s ongoing and new infrastructure projects.

Investor Sentiment and Market Reaction

The unchanged capex allocation has led to apprehensions regarding the future growth prospects of railway PSUs. Investors expected increased funding to strengthen infrastructure development, enhance safety measures, and introduce modern technologies. The static allocation has been perceived as a potential constraint on these initiatives, leading to a sell-off in railway stocks.

Understanding the Implications

To comprehend the situation better, let’s break down the key aspects:

  1. Capital Expenditure (Capex): Capex refers to funds an organization uses to acquire, upgrade, and maintain physical assets such as property, industrial buildings, or equipment. In the context of Indian Railways, capex is crucial for expanding and modernizing the railway infrastructure.
  2. Market Capitalization: This is the total market value of a company’s outstanding shares of stock. It is calculated by multiplying the current market price of one share by the total number of outstanding shares. A decline in share price directly reduces the market capitalization.
  3. Investor Expectations: Investors often anticipate increased government spending in sectors like railways to drive growth. When the budget allocation does not meet these expectations, it can lead to negative sentiment and a subsequent sell-off in related stocks.

Potential Impact on Railway PSUs

The unchanged capex allocation could have several implications for railway PSUs:

– Project Funding: Limited additional funds may restrict the ability of these companies to undertake new projects or expand existing ones.

– Technological Upgrades: Investment in modern technologies and safety systems might be delayed or scaled back due to budget constraints.

– Revenue Growth: With potential limitations on project expansion, revenue growth projections for these PSUs could be adversely affected.

Detailed Stock Performance

The following railway PSUs have been notably affected:

1. Rail Vikas Nigam Limited (RVNL):

RVNL’s stock has declined up to 15% over the two sessions. The company’s net profit for the second quarter fell by 27% year-over-year to ₹287 crore, with revenue decreasing by 1.2% to ₹4,855 crore. The Earnings Before Interest, Tax, Depreciation, and Amortization (EBITDA) margin narrowed to 5.6% from 6% in the previous year. 

image 4
Source: NSE

2. Indian Railway Finance Corporation (IRFC):

IRFC has also faced a significant drop in share price, contributing to the overall decline in market capitalization among railway PSUs.

image 5
Source: NSE

3. IRCON International:

The stock of IRCON International has declined by up to 15%. In the second quarter, the company reported an 18% decrease in net profit to ₹206 crore, while revenue dropped by 19% to ₹2,447.5 crore. However, the EBITDA margin slightly improved, increasing to 8.2% from 8.6% in the previous year. 

image 6
Source: NSE

4. RITES Ltd.:

RITES has experienced a downturn in its stock price, aligning with the broader trend among railway PSUs following the budget announcement.

image 7
Source: NSE

5. Container Corporation of India (CONCOR)

CONCOR’s shares have also been impacted, contributing to the cumulative market capitalization loss observed in the sector.
Source: CNBC TV18

image 8
Source: NSE

Comparative Analysis: Budgetary Trends and Market Response

Understanding how the market reacts to capital expenditure (capex) allocations in the railway sector requires looking at past budgetary trends and their effects on stock performance. Let’s analyze how previous years’ allocations compare with the FY26 Budget and why investors reacted negatively this time.

1. Capex Allocations Over the Years

Over the past few years, Indian Railways has steadily increased capital expenditure. Here’s a quick look at the trend:

Fiscal YearCapex Allocation (₹ lakh crore)YoY Growth (%
2022-232.4514.5%
2023-242.606.1%
2024-252.620.8%
2025-262.651.1%
Source: Indian Express
  • In FY23, the budget allocation jumped 14.5%, driven by a push for infrastructure expansion and modernization projects, boosting investor confidence.
  • The increase slowed to 6.1% in FY24, but expectations remained positive as the government prioritized railway expansion.
  • In FY25, capex growth almost stagnated at 0.8%, raising concerns about future project expansion.
  • In FY26, capex remained unchanged at ₹2.65 lakh crore, an apparent deviation from past trends that triggered a sharp sell-off in railway PSU stocks.

2. Investor Expectations vs. Reality

Investors had been expecting a double-digit increase in railway capex for FY26, considering:

  • The continued push for infrastructure development in India.
  • The government’s emphasis on Make in India and expansion of high-speed rail networks.
  • A growing focus on modernization and digitalization of railway operations.

However, the unchanged capex allocation defied these expectations, leading to a sharp decline in railway stocks.

3. Impact on Railway PSU Stocks in Previous Budgets

  • FY23 & FY24: When railway capex increased significantly, stocks of railway PSUs like RVNL, IRFC, and IRCON surged as investors saw growth potential in new projects and higher revenues.
  • FY25: The relatively lower increase in capex led to mixed reactions, with some stocks remaining stable while others faced mild corrections.
  • FY26: The completely unchanged capex allocation sparked an aggressive sell-off, leading to market capitalization losses of around ₹40,000 crore in just two sessions.

4. What Changed This Year?

  • Budget Priorities Shifted: The government may focus on efficiently utilizing past allocations rather than announcing additional funds.
  • Election-Year Impact: With general elections approaching, budget allocations often balance fiscal responsibility with infrastructure growth.
  • Higher Borrowing Costs: Rising interest rates and macroeconomic factors could have influenced the decision to postpone additional railway spending.

While the immediate market reaction has been adverse, it’s essential to consider the broader context. The government’s consistent investment in the railway sector over the past years indicates a long-term commitment to its development. Additionally, the unchanged capex could be a strategic decision, focusing on efficiently utilizing previously allocated funds before committing additional resources.

Conclusion

The recent decline in railway PSU stocks highlights the market’s sensitivity to budgetary allocations and investor expectations. While the unchanged capex for FY26 has led to immediate concerns, monitoring how these companies adapt to the allocation and manage their projects and resources is crucial. Investors should stay informed about policy developments and the strategic initiatives of these PSUs to make well-informed decisions. 

Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

FAQs

  1. Why did railway PSU stocks fall sharply after the Budget 2025 announcement?

    Railway PSU stocks fell by up to 15% in two sessions because the Union Budget 2025-26 kept the capital expenditure (capex) for Indian Railways unchanged at ₹2.65 lakh crore. Investors had expected a higher allocation to drive growth, but the static budget led to concerns about project expansion and revenue potential, triggering a market sell-off.


  2. How much market capitalization did railway PSUs lose after the Budget announcement?

    Five major railway PSUs—RVNL, IRFC, IRCON, RITES, and CONCOR—lost approximately ₹40,000 crore in market capitalization over two trading sessions due to the budget’s unchanged capex allocation, leading to negative investor sentiment.

  3. How does the FY26 railway capex compare to previous years?

    While railway capex had been consistently increasing in previous years (₹2.45 lakh crore in FY23, ₹2.60 lakh crore in FY24, ₹2.62 lakh crore in FY25), the unchanged ₹2.65 lakh crore allocation for FY26 marked a shift from the trend. This stagnation in spending led to concerns about slower growth in railway infrastructure and impacted PSU stock performance.

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Gold Hits Lifetime High of ₹85,300 – What’s Pushing Prices Up?

Gold Hits Lifetime High of ₹85,300 – What’s Pushing Prices Up?

Gold prices surged by ₹400, surpassing the ₹85,000 mark per 10 grams for the first time, reaching an all-time high of ₹85,300 on 3rd February 2025. Market experts suggest that gold prices are likely to remain elevated given the current volatility, with potential trade wars, market fluctuations, and policy shifts

Concerns that President Trump’s tariffs on Canada, China, and Mexico could lead to inflation have kept the yellow metal prices near record highs. Although Trump has paused tariffs on Mexico and Canada for 30 days, the tariffs on Chinese goods are still in effect. On 4th February 2025, gold prices stayed close to the previous all-time high, driven by ongoing worries about inflation and a potential economic slowdown. Source: Moneycontrol

The yellow metal with 99.9% purity ended at ₹84,900 per 10 grams on 1st Feb 2025, while 99.5% purity gold extended its rally for the fourth consecutive session, rising by ₹400 to reach ₹84,900 per 10 grams. In the prior trading session, it had closed at ₹84,500 per 10 grams.

image 3
Source: Mint

On Saturday, April, gold futures soared by ₹1,127 to hit a record high of ₹83,360 per 10 grams, coinciding with Union Finance Minister Nirmala Sitharaman’s presentation of the Union Budget 2025-26. Since January, the yellow metal prices have increased by ₹5,510 (7%), rising from ₹79,390 per 10 grams, according to the All India Sarafa Association. Source: Mint/CNBCTV18

This significant rise has left many wondering: What’s fueling this rally? Let’s examine the key factors driving this upward trend in yellow metal prices.

Factors Driving Gold Prices to an All-Time High

Market Volatility and Safe-Haven Appeal

Market volatility, triggered by global events, often prompts investors to turn to safe-haven assets like this precious metal. Amid growing concerns about a potential Trade War 2.0 with the United States, gold prices surged on the Multi Commodity Exchange (MCX) as investors boosted their positions. Experts highlighted that these trade tensions intensified the demand for gold, with many seeing it as a secure investment during uncertain times. Source: Mint

Rupee Weakens, Boosting Yellow Metal Demand

The rupee dropped by 55 paise on Monday, reaching a record low of 87.17 (provisional) against the US dollar. This fall came after global market sentiment weakened due to the Trump administration’s decision to impose tariffs on Canada, Mexico, and China, making gold a more attractive option.

International Yellow Metal Prices Reach Record Highs

International gold futures sharply rose, hitting a record high of USD 2,862.90 per ounce on Friday. This price spike reflects growing demand for gold as investors seek stability amid global economic uncertainty. Source: Mint

Wedding Season Drives Sustained Demand for Gold

Gold prices have remained elevated, partly due to the ongoing wedding season, which traditionally sees a spike in demand. According to the All India Sarafa Association, jewelers and stockists have been consistently purchasing gold to meet the needs of consumers preparing for weddings. In India, gold is considered an essential part of wedding traditions, making it one of the most desired commodities during this time of year.

Global Public Debt Concerns

Increasing global public debt is another reason investors are turning to gold. The International Monetary Fund (IMF) warns that global public debt could rise to 115% of total GDP within three years, nearly 20% higher than current levels. This rise is due to weak global economic growth, financial challenges, fiscal issues, and unstable economic policies. Such uncertainties make gold a more appealing safe-haven investment. news18.com

The recent surge in gold prices past the ₹85,000 mark results from a confluence of factors, including global geopolitical tensions, US political uncertainty, economic policies, domestic demand during festive seasons, concerns over rising global public debt, and overall market volatility.

Industry experts suggest that this week is critical for commodities, as key US macroeconomic data — including JOLTs (Job Openings and Labour Turnover Survey) job openings, ISM (Institute for Supply Management Services ) services, ADP (Asian Development Bank) employment, and non-farm payroll reports — are set to be released. These figures are expected to shape the direction of bullion prices.  As these elements evolve, investors will likely watch gold as a preferred safe-haven asset.

Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

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Mass Layoffs: 4 Reasons for Workforce Reduction in 2025

Mass Layoffs: 4 Reasons for Workforce Reduction in 2025

A Continued Wave of Layoffs in 2025

The job cuts that began in 2022 have not slowed—if anything, they are accelerating. In 2023 and 2024, major companies across the technology, finance, and energy sectors slashed jobs due to cost-cutting measures, AI adoption, and economic slowdowns.

Now, in 2025, the trend continues. Tech giants like Meta, Microsoft, and Salesforce are eliminating thousands of jobs, while oil, manufacturing, and finance companies are also shrinking their workforce. More than 5,600 employees have already been laid off in January 2025 alone (Times Now).

The following table summarizes the major layoffs announced so far in 2025:

Major Layoffs in 2025

CompanyIndustryLayoffs AnnouncedWhen?Reason
MicrosoftTech1,900January 2025Cost-cutting in gaming, cloud services, and AI shift (Times Now)
Meta (Facebook)Tech1,500+January-February 2025Efficiency drive, AI restructuring (Times Now)
SalesforceTech1,000January 2025Slowing cloud demand (Indian Express)
BPEnergy1,000Q1 2025Energy transition, cost optimization (Business Insider)
Google (Alphabet)Tech100s in ad salesJanuary 2025AI-driven restructuring (TechCrunch)
Continental AGAuto Industry580Early 2025Weak demand for auto parts (Business Insider)

Why Are Companies Laying Off Workers?

1. AI & Automation Replacing Jobs

  • Many tech layoffs are linked to artificial intelligence replacing human labor.
  • AI and automation efficiencies mean fewer employees are required, particularly in customer service, marketing, and back-office operations.
  • A study found that AI-related layoffs surged by 136% in 2024 and will continue into 2025. (India Today)

2. Economic Uncertainty & Cost-Cutting

  • Post-pandemic slowdowns, high inflation, and global interest rate hikes have reduced corporate profitability.
  • Companies are slashing jobs to preserve cash flow amid a murky economic outlook.
  • BP’s layoffs reflect a declining energy demand and shifting priorities toward sustainable projects.

3. Performance-Based Cuts & Restructuring

  • Microsoft and Meta are focusing on non-regrettable attrition, removing underperforming employees.
  • Meta’s CEO, Mark Zuckerberg, announced that layoffs would become an annual process based on performance reviews. (Business Insider)

4. Mergers & Business Strategy Changes

  • Salesforce continues to restructure post-pandemic, even after record profits.
  • Google (Alphabet) has offered voluntary buyouts instead of outright layoffs, aiming to create a profoundly committed workforce.

Tech Industry Slowdown: Efficiency Over Growth

As growth slows and valuations normalise, tech firms are focusing on leaner, more efficient structures. This includes shifting resources from human capital to automation.

Declining Consumer & Investor Confidence

With news of mass layoffs, consumer sentiment is dropping. This in turn leads to reduced discretionary spending and a more cautious investment climate, fueling a feedback loop that justifies further layoffs.

AI & Automation Reshaping Employment Trends

AI is not just a reason for layoffs but a transformative force in redefining job profiles. Repetitive jobs are being replaced, while there’s increased demand for highly skilled roles like data scientists and cybersecurity experts.

The Global Impact of Layoffs in 2025

The mass layoffs of 2025 extend beyond individual companies and industries, shaping labor markets, economic trends, and geopolitical dynamics.

1. Tech Industry Slowdown: A Shift from Hypergrowth to Efficiency

  • The biggest job losses are concentrated in the technology sector, signaling an end to the hiring boom of the past decade.
  • Between 2020 and 2022, tech companies aggressively expanded, anticipating sustained demand, especially for cloud computing, e-commerce, and remote work solutions. However, by 2023, demand softened, and excess hiring led to massive restructuring. This trend will persist in 2025, with Meta, Microsoft, and Google tightening their workforces while investing in automation and AI.
  • Startups face even more challenges. Due to higher interest rates and reduced VC funding, many have shut down or drastically reduced their headcounts to survive.

2. Declining Consumer & Investor Confidence

  • Layoffs, particularly in high-profile companies like Microsoft and Meta, lead to reduced consumer spending and economic caution. When thousands of white-collar workers lose jobs, it impacts housing markets, retail sales, and luxury spending.
  • The stock markets react sharply to news of layoffs. Investors see workforce reductions as short-term cost-saving measures and red flags about growth prospects. With economic uncertainty, big-ticket purchases, home buying, and discretionary spending slow down, affecting real estate, hospitality, and automobiles.

3. AI & Automation Reshaping Employment Trends

  • AI-driven job cuts aren’t just a tech industry problem—they’re transforming entire industries:
    • Finance: Investment banks and hedge funds are replacing human analysts with AI-driven trading systems.
    • Retail & Customer Service: AI chatbots are reducing the need for call center employees and sales support staff.
    • Healthcare: While doctors remain indispensable, AI diagnostics and robotic surgeries are reshaping supporting roles like medical transcription and imaging analysis.
  • The result? Fewer traditional jobs but rising demand for AI-skilled professionals.

4. Political & Government Reactions to Mass Layoffs

Governments across the world are responding in different ways:

  • United States: Lawmakers propose tax penalties for companies conducting mass layoffs while earning record profits. Tech hubs like Silicon Valley and Seattle see rising joblessness, forcing state governments to expand unemployment benefits.
  • Europe: Stronger labor laws mean workers receive severance packages and job transition assistance.
  • France and Germany propose regulations requiring companies to offer AI training to displaced workers.
  • India & Southeast Asia: Countries like India and Indonesia benefit from Western firms outsourcing tech jobs instead of hiring domestically. The shift could create millions of new roles in offshore coding, AI support, and cloud computing.

5. Energy Sector & Industrial Layoffs Have a Broader Economic Impact

  • The layoffs in BP and Akzo Nobel indicate a slowdown in the manufacturing and energy sectors. Falling demand for fossil fuels and the transition to renewables lead to job cuts in traditional oil and gas companies.
  • In Germany, auto parts giant Continental’s ContiTech plans 580 job cuts, signaling weak demand in the automobile supply chain. Overall, manufacturing job losses often cause ripple effects, impacting supply chains and regional economies.

Analysts’ Take: What’s Next for the Job Market?

Market analysts warn that the layoffs of 2025 are not just cyclical adjustments but structural shifts in global employment.

1. Layoffs Will Continue as AI Becomes More Widespread

  • Companies will not stop layoffs in 2025; they may intensify. A report from Statista predicts that AI could eliminate up to 30% of job roles in customer service, content writing, and IT support by 2030. Meta’s Mark Zuckerberg has already hinted that performance-based layoffs could become an annual exercise.

2. Companies Will Focus on Leaner, More Profitable Models

  • The era of hypergrowth and reckless hiring is over. Firms are focusing on lean, high-efficiency, smaller, but more productive teams. Example: Microsoft’s performance-based layoffs show a shift toward rewarding only top performers and letting go of underachievers.

3. The Future of Jobs Lies in AI & Automation-Proof Skills

  • The fastest-growing roles will be AI development, cybersecurity, and renewable energy.
  • Job seekers will need to reskill to remain employable:
    • Cybersecurity Analysts: AI-generated threats are increasing, creating a demand for experts in digital security.
    • Data Scientists & AI Engineers: The AI boom makes machine learning engineers some of the most sought-after professionals.
    • Sustainability & Renewable Energy Jobs: As companies shift to green energy, jobs in solar, wind, and carbon capture technology will increase.

4. Governments Will Introduce Workforce Transition Policies

  • Countries will start investing in retraining programs for laid-off workers. The European Union is ahead in AI regulation, requiring firms to train displaced workers. In the U.S., federal agencies are pushing for tax incentives to encourage companies to hire AI-augmented workers instead of replacing them.

5. Investors Will Be Wary of Layoff-Driven Cost-Cutting

  • Initially, mass layoffs boost company profits in the short term. However, investors are starting to question:
    • Are companies cutting too deeply, sacrificing long-term innovation?
    • Will smaller workforces struggle to keep up with competitors investing in AI-driven growth? The real test will be whether companies maintain profitability without compromising innovation and employee morale.

A Changing Workforce Landscape

The 2025 layoffs highlight a fundamental shift in employment trends worldwide. While some sectors shrink due to automation and economic challenges, new opportunities are emerging in AI, cybersecurity, and sustainable industries. For employees, the key takeaway is clear: Adaptability is critical.

  • The future workforce must be highly skilled, tech-savvy, and AI-augmented. Reskilling & lifelong learning will become essential survival tools in an evolving job market.

Layoffs may provide short-term relief for companies, but long-term growth depends on retaining and retraining talent for the AI-driven economy. As we move deeper into 2025, the global job market will continue evolving—offering challenges and new opportunities for those prepared to adapt.

What Does the Future Hold for Workforce Reduction?

The reasons for layoffs in 2025 range from automation and AI adoption to macroeconomic pressures. While this causes short-term job losses, it also creates long-term demand for new skills. Employees must adapt through continuous learning and upskilling. Governments, on the other hand, need to develop policy frameworks to support workforce transitions.The critical question remains: will layoffs continue in 2025 and beyond? The answer is yes, especially in sectors disrupted by AI and changing global trade dynamics. However, with proactive steps by workers and employers alike, this can be a period of transformation, not just contraction.

Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

  1. Why do companies resort to layoffs?

    To manage costs, adjust to market demands, or restructure in response to technological shifts or mergers.

  2. How can employees adapt to increasing automation and AI?

    By learning new, future-proof skills such as coding, data analysis, cybersecurity, and AI ethics.

  3. What industries will be most affected by mass layoffs in 2025?

    Tech, retail, manufacturing, and customer service are the most vulnerable.

  4. Are layoffs likely to continue beyond 2025?

    Yes, especially as companies aim to become leaner and more automated, but new job categories will also emerge to counterbalance some of these losses.

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India Shifts to SUVs: Market Set to Grow from $18.13 Bn in 2024 to $33.85 Bn by 2030

India Shifts to SUVs: Market Set to Grow from $18.13 Bn in 2024 to $33.85 Bn by 2030

India’s car market has changed a lot in recent years, and the country’s passion for cars is taking on a new meaning, with SUVs emerging as the top choice. This change is fueled by shifting consumer preferences and economic growth.

More people, especially the growing middle class, see owning a car as a symbol of freedom. The number of cars on Indian roads jumped from 19 million in 2012 to 49 million in 2022, and car ownership per 1,000 people doubled from 17 to 34. But as cars become more common, their meaning is changing, reflecting a shift in how Indians view mobility and status.

Source: LiveMint

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Source: LiveMint

The Rise of SUVs in India

India’s SUV market is growing rapidly, valued at USD 18.13 billion in 2024 and expected to reach USD 33.85 billion by 2030, with a CAGR of 10.97%.

image
Source: techsciresearch.com

SUVs now dominate the Indian car market, accounting for over 50% of passenger vehicle sales in the 2023-24 fiscal year—a major jump from previous years. Just five years ago, hatchbacks accounted for one in two cars sold in India. Today, that number has dropped to one in four, while SUVs now make up more than 50% of new car sales. 

This shift is highlighted by Hyundai Motor, a South Korean company whose local arm recently raised $3.3 billion in India’s largest-ever IPO. 

Factors Driving the SUV Boom

The Role of Road Conditions in Boosting SUV Sales

One significant factor driving the surge in SUV sales is the state of India’s road infrastructure. Outside major cities, poorly maintained roads with large potholes and uneven surfaces are common. Additionally, across the country, road-traffic departments often install poorly designed speed bumps that can wreak havoc on both vehicles and passengers. 

Given these conditions, ground clearance—the distance between a vehicle’s underside and the road surface—has become a crucial factor for Indian car buyers. SUVs, with their higher ground clearance, are seen as the ideal choice to navigate these challenging road conditions without causing damage to the vehicle or compromising comfort.

Improved Road Infrastructure Fueling the SUV Boom

Despite the poor condition of roads in and around major cities, the rapid development of high-quality roads and highways across India has played a key role in the country’s SUV boom. In recent years, India has added tens of thousands of kilometers of well-built motorways, which has significantly enhanced travel opportunities. As a result, weekend getaways and day trips have become increasingly popular.

  • According to Mahindra & Mahindra, a leading SUV manufacturer in India, a strong love for road trips has developed, with driving holidays now considered the most affordable vacation option.  Also, This shift in consumer preferences is evident in the remarkable success of Mahindra’s latest rugged off-roader, which received 176,000 bookings within the first hour of its release.

Safety Becomes a Key Priority for Indian Car Buyers

A significant shift in car buyers’ priorities is safety. Until recently, safety wasn’t a top concern, but the Tata Nexon changed that. This compact SUV was the first to earn a five-star safety rating in international tests, and it was prominently highlighted. Buyers began valuing safety over other features, especially with highways allowing higher speeds. The Nexon’s success made it India’s best-selling SUV from 2021 to 2023, and safety ratings now feature heavily in car ads.

Shifting Priorities in Car Purchases

A significant shift in car buying habits is the growing emphasis on value over cost. According to industry experts, earlier, buyers focused on mileage, but now they are more willing to pay extra for a better experience. The average price of a car increased by a third in the past five years, from 491,000 rupees to 659,000 rupees, driven by both rising car prices and a demand for higher-quality vehicles.

Rising Demand for Premium Features

The shift is also reflected in consumer choices, with top-end variants of cars now making up two-thirds of sales, up from less than half before the pandemic. This mirrors trends in other products, like mobile phones, where premium models such as the iPhone are seeing growth. The availability of easy financing allows buyers to focus on affordable monthly payments rather than high upfront costs.

Technology and Entertainment Drive Purchases

Consumers are also increasingly prioritizing technology in their cars. With the spread of affordable internet, even budget car buyers expect features like touchscreen consoles. Given the time spent in traffic, entertainment and tech features are now critical in purchasing decisions, and more decisions are now based on the tech offered in cars.

Government Support and Evolving Taxation Policies

Government initiatives, such as the implementation of the Goods and Services Tax (GST), have streamlined the tax process, making SUVs more affordable for consumers. The Faster Adoption and Manufacturing of Hybrid and Electric Vehicles (FAME) scheme, which offers incentives for hybrid and electric models, has also prompted manufacturers to expand their portfolios with eco-friendly SUVs.

Advancements in Automotive Technology

Indian buyers are increasingly seeking vehicles that prioritize safety, fuel efficiency, and advanced technology. Modern SUVs cater to these preferences with features like driver assistance systems (ADAS), premium interiors, and panoramic sunroofs. In addition, advancements in engineering have made SUVs more fuel-efficient, addressing concerns over higher operational costs. 

Diverse Offerings: 

Automakers are introducing a wide range of SUV models across various price points, making them accessible to a broader segment of the population.

Source: LiveMint/ techsciresearch.com

Impact on Small Cars and Sedans

The surge in SUV sales has had a noticeable impact on other vehicle segments. The share of hatchbacks, once the staple of Indian car buyers, has declined to around 28% in FY24, down from higher percentages in previous years. Similarly, sedans have seen their market share slip to single digits, closing the year at 9% compared to 14.3% at the end of FY20.

timesofindia.indiatimes.com

Automakers Responding to the Trend

Recognizing the growing demand for SUVs, both domestic and international automakers are expanding their SUV portfolios:

  • Maruti Suzuki: Traditionally known for its small cars, Maruti Suzuki has increased its focus on the SUV segment, with SUVs now accounting for approximately 22% of its sales, up from 11% at the end of the previous fiscal year.
    timesofindia.indiatimes.com
  • Hyundai Motor India: Hyundai has been actively introducing new SUV models to cater to the rising demand. The company plans to launch its first locally-produced electric SUV by early next year and at least two gasoline-powered models by 2026. This strategy aims to regain market share amidst growing competition from domestic manufacturers.
    reuters.com
  • Mahindra & Mahindra: Mahindra has experienced a significant boost in SUV sales, with a 19% increase in volumes, significantly outpacing the industry’s overall decline. The company’s SUV portfolio now makes up over 50% of India’s car sales.
    reuters.com

Challenges Ahead

While the SUV segment is booming, automakers face challenges such as:

  • Intensifying Competition: The surge in SUV demand has led to increased competition among manufacturers, prompting continuous innovation and frequent model launches.
  • Rising Costs: Higher raw material costs and increased expenses have led to higher car prices, which could impact consumer purchasing decisions. For instance, Maruti Suzuki faced a 15.5% increase in expenses, with inventory clearance costs reaching 6.8 billion rupees.
    reuters.com
  • Economic Factors: Inflation and other economic factors can influence consumer spending power, potentially affecting the sustained growth of the SUV market.

The Road Ahead

The Indian automotive market is clearly gravitating towards SUVs, driven by changing consumer preferences and economic developments. As automakers adapt to this trend by expanding their SUV offerings, it will be interesting to observe how the market evolves and how other vehicle segments respond to this shift.

In conclusion, India’s transformation into an SUV-centric market reflects broader changes in consumer behavior and economic conditions. As the country continues to develop, the automotive landscape is likely to see further shifts, with SUVs playing a central role in shaping the future of mobility in India.

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Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

Know More:   SEBI registered investment advisory |  Stock investment advisor.

FAQ

  1. What’s driving India’s SUV boom?

    Rising disposable incomes, improved road infrastructure, and a growing preference for larger, safer vehicles are fueling SUV demand. SUVs project status and offer better ground clearance for varied terrain, making them appealing to Indian consumers.

  2. How big is the SUV market expected to become?

    The Indian SUV market is projected to more than double, growing from $18.13 billion in 2024 to a substantial $33.85 billion by 2030. This indicates a strong and sustained growth trajectory for the segment.

  3. Which SUV segments are leading the growth?

    Compact SUVs and mid-size SUVs are currently the fastest-growing segments. They offer a balance of size, features, and fuel efficiency, making them suitable for both city driving and occasional highway trips.

  4. What impact will this growth have on the auto industry?

    The increasing popularity of SUVs will likely lead to increased investments in SUV production and development by automakers. It may also impact the production of smaller car segments as consumer preferences shift.

  5. Are there any challenges to this growth?

    Rising fuel prices, increasing traffic congestion in urban areas, and parking challenges could pose some limitations to the rapid growth of the SUV segment in the long run.

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How Budget 2025 Could Reshape the Markets in the Coming Weeks

How Budget 2025 Could Reshape the Markets in the Coming Weeks

The Union Budget 2025 has been unveiled, leaving many investors pondering: What lies ahead for the markets? Will the recent fiscal policies bolster economic growth or introduce new challenges? Let’s delve into the key aspects of the budget and analyze their potential impact on various sectors.

Personal Income Tax Reforms

A significant highlight of the budget is the reduction in personal income tax rates, aiming to enhance the spending capacity of the middle class. The tax exemption threshold has been raised from ₹6 lakh to ₹12 lakh, and tax rates for higher income brackets have been reduced. This move is expected to boost household consumption, savings, and investment.

Capital Expenditure and Infrastructure Development

The government has allocated ₹11.1 lakh crore for infrastructure projects, marking an 11% increase from the previous year. This investment will be directed toward improving roads, railways, airports, and other critical infrastructure across the country. The goal is to boost economic growth by enhancing connectivity and providing better facilities.

Sectoral Impacts

  • Consumer Goods and FMCG: The increase in disposable incomes due to tax cuts is anticipated to drive demand in the Fast-Moving Consumer Goods (FMCG) sector. Companies like Hindustan Unilever and ITC may experience heightened sales as consumers have more spending power.
  • Banking and Financial Services: The government’s plans to recapitalize public-sector banks and promote financial inclusion have made the banking sector a key area of focus. Institutions such as HDFC Bank and State Bank of India could see increased activity due to enhanced lending capacities and a broader customer base.
  • Green Energy and Electric Vehicles (EVs): With a renewed focus on sustainability, the government has proposed new green energy and EV adoption incentives. Solar power, wind energy, and EV manufacturing companies will likely benefit. Prominent stocks in this space include Tata Power and Adani Green Energy.

Higher Credit Availability to Agriculture and MSME Sectors

The budget emphasizes increased credit availability to the agriculture and Micro, Small, and Medium Enterprises (MSME) sectors, which fall under Priority Sector Lending (PSL) regulations. Banks are mandated to allocate at least 40% of their loan portfolios to the PSL segment. 

However, this segment has historically exhibited a higher-than-average delinquency ratio and is politically sensitive. Consequently, markets may express concerns regarding the prospects of banking and financial sector stocks. 

Notably, these stocks command a 34.60% weightage in the broad-based Nifty50 index. Therefore, any negative sentiment in this sector could significantly influence broader market movements. Source: Mint

Government Borrowing and Fiscal Implications

The government has outlined gross borrowings of ₹14.82 trillion, with ₹11.54 trillion to be raised through dated securities. Some of these borrowings will be met through small and public savings schemes. Given the substantial amount the government intends to raise from the money market, questions arise about the Reserve Bank of India’s (RBI) capacity to implement aggressive rate cuts in the upcoming monetary policy meeting. 

Maintaining elevated interest rates while increasing market borrowings could lead to a weakening rupee and “imported inflation,” potentially impacting banking and financial stocks, which are significant components of market indices.

Change in Asset Prices 

Security24 Jan’2531 Jan’25% Change
Nifty 50 (Spot)23092.223508.41.80%
Bank Nifty (Spot)48367.849587.22.52%
Gold (MCX)79601821003.14%
Silver (MCX)91189934652.50%
Crude Oil (MCX)64766335-2.18%
Natural Gas (MCX)339.5268-21.06%
DXY107.465108.5011.036
USDINR (NSE)86.26586.77250.5075
10 year Bond Yield6.726.7-0.02
NSE Market Cap41677614421227961.07%
MWPL38.988.2-30.79
DJIA44424.2544544.660.27%
Nasdaq21774.0121478.05-1.36%
S&P 5006101.256040.52-1.00%
Source: Mint

Know More:   SEBI registered investment advisory |  Stock investment advisory

Market Sentiment and Investor Behavior

Statistical data indicates that retail investors are optimistic, while institutional investors, or “smart money,” have not significantly increased their exposure. Post-budget periods typically involve a few days of detailed analysis before markets stabilize. In this instance, the specifics of the new Income Tax Act are pending, and the RBI’s interest rate decision is awaited. 

    Public Sector Undertakings (PSUs) and Key Sectors Volatility:

    • Public sector banks, power, infrastructure, defense, logistics, and energy stocks are expected to witness heightened volatility in the coming days.
    • Market participants will closely monitor these sectors as they react to budget allocations and policy changes.

    Industrial Metals and Mining Sector:

    • Signs of profit-taking are emerging in industrial metals, which could lead to a decline in stock prices for metal and mining companies.
    • Investors may see short-term corrections in these stocks due to shifting commodity market trends.

    Bullion Market Dynamics:

    • Safe-haven buying in bullion is evident due to capital flight, driving increased demand for gold and silver.
    • Investors will likely buy on price dips, further stabilizing the bullion market.

    Futures Market Trends:

    • The capital-intensive and high-volatility futures segment saw increased turnover contribution.
    • Most of this activity is attributed to traders rolling over positions from the expiring series to the upcoming monthly series. The presence of dual turnover suggests firm conviction among traders.

    Options Market Activity:

    • The lower-risk index options segment experienced a sharp decline in turnover, reflecting the lowest level of risk appetite in derivatives trading. In contrast, stock options turnover saw an uptick as traders rolled over their positions, indicating a preference for higher-risk trades.

    Banking Sector Performance:

    • Banking stocks led the recent market rally, driven by expectations of personal income tax cuts and a possible RBI rate cut. Indian 10-year bond yields eased, providing a boost to banking stocks.
    • However, the rupee depreciated against the US dollar, limiting market gains.

    Market-Wide Position Limit (MWPL) and NSE Trends:

    • MWPL fell routinely on expiry, reflecting adjustments in market positioning.
    • The increase in NSE’s market capitalization suggests strong retail participation and investor confidence in select sectors.

    Global Economic Context

    It is essential to consider the global economic environment when evaluating the budget’s impact. International trade tensions and potential slowdowns in significant economies could influence India’s export-driven sectors. Additionally, fluctuations in global commodity prices may affect domestic industries. Investors should remain vigilant about these external factors, which can significantly impact market dynamics.

    Conclusion

    The Union Budget 2025 introduces measures to stimulate economic growth through tax reforms and increased infrastructure spending. While specific sectors stand to benefit, the overall market trajectory will depend on effective implementation and external economic conditions. Investors should stay informed and consider domestic and global policies when making investment decisions.

    Related Posts

    Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

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    Rupee's Historic Drop To 87 After Trump Tariffs: Know Why 

    Rupee’s Historic Drop To 87 After Trump Tariffs: Know Why 

    Understanding Trump’s Tariffs

    President Trump announced substantial tariffs over the weekend in a bold move to reshape international trade dynamics: a 25% levy on imports from Mexico and most Canadian goods and a 10% tariff on Chinese products, effective from Tuesday. These measures aim to protect domestic industries but have raised concerns about potential trade wars and global economic instability. reuters.com

    Global Repercussions

    The immediate aftermath of these tariffs has been a surge in the U.S. dollar’s value as investors seek safe-haven assets amidst the uncertainty. The dollar index, the greenback against a basket of currencies, climbed by 0.3% to 109.8. This appreciation has exerted pressure on emerging market currencies, particularly in Asia. reuters.com 

    CurrencyExchange Rate (Before Tariffs)Exchange Rate (After Tariffs, Feb 3, 2025)% Change
    Indian Rupee (INR/USD)83.4587.12-4.40%
    Canadian Dollar (CAD/USD)1.321.41-6.80%
    Japanese Yen (JPY/USD)142.3149.7-5.20%
    Chinese Yuan (CNY/USD)7.157.42-3.80%
    South Korean Won (KRW/USD)1,3061,378-5.50%
    Euro (EUR/USD)1.091.06-2.80%
    British Pound (GBP/USD)1.271.23-3.10%

    Impact on Asian Currencies

    Asian currencies have borne the brunt of the escalating trade tensions. The offshore Chinese yuan, a bellwether for regional economic health, declined by 0.5%, reaching 7.35 per U.S. dollar. Similarly, other regional currencies, including the South Korean won, Malaysian ringgit, Indonesian rupiah, and Thai baht, have all experienced significant depreciations. reuters.com

    The Rupee’s Historic Decline

    The Indian rupee’s fall past the 87 per U.S. dollar threshold marks a historic low. In early trading, the rupee dropped by 0.5% to 87.07, with market analysts anticipating further declines. This depreciation is part of a broader trend, with the rupee having weakened by nearly 4% since the beginning of October. reuters.com

    Contributing Factors to the Rupee’s Depreciation

    The Indian rupee’s decline past 87 per U.S. dollar is the result of a confluence of domestic and international factors:

    1. Trade Imbalances: India’s trade deficit has widened, driven by high import bills for commodities like crude oil and gold. From April to October 2024, the trade deficit reached $164 billion, up from $149 billion during the same period in 2023. This growing deficit increases the demand for foreign currencies, particularly the U.S. dollar, thereby exerting downward pressure on the rupee.  civilsphodo.in
    2. Foreign Investment Outflows: Foreign investors have been withdrawing capital from Indian markets, influenced by concerns over slowing economic growth and global uncertainties. In the first three days of January 2025 alone, Foreign Portfolio Investors (FPIs) pulled out ₹4,285 crore from Indian equities. Throughout 2024, the total outflow exceeded ₹1.55 lakh crore. These outflows reduce demand for the rupee, contributing to its depreciation.
    3. Monetary Policy Divergence: The Reserve Bank of India’s (RBI) relatively accommodative monetary policy, compared to the U.S. Federal Reserve’s tighter stance, has led to higher inflation rates domestically. This inflation differential diminishes the attractiveness of Indian assets to foreign investors, further weakening the rupee.
    4. Global Economic Uncertainty: Geopolitical tensions, such as the Russia-Ukraine conflict and instability in the Middle East, have created volatility in international markets. These uncertainties have prompted investors to seek safer assets, often resulting in capital outflows from emerging markets like India. Rising global crude oil prices have also increased India’s import bills, exacerbating the trade deficit and putting further pressure on the rupee.  civilsphodo.in
    Know More:  SEBI-registered investment advisory |  Stock investment advisory

    Impact on Indian Markets

    The rupee’s depreciation has far-reaching implications for India’s economy:

    1. Inflationary Pressures: A weaker rupee makes imports more expensive, leading to higher costs for essential goods such as crude oil, fertilizers, and edible oils. This increase in import costs contributes to domestic inflation, eroding consumers’ purchasing power. For instance, the trade deficit reached an all-time high of $37.8 billion in November 2024, highlighting the escalating cost of imports.  civilsphodo.in
    2. Corporate Profit Margins: Due to the depreciating rupee, companies that rely heavily on imported raw materials face increased production costs. Unless these costs can be passed on to consumers, profit margins will likely shrink, leading to reduced investments and slower growth in the corporate sector.
    3. Equity Market Volatility: The depreciation has led to heightened volatility in Indian equity markets. On February 3, 2025, the Nifty 50 index fell by 0.93% to 23,265.1 points, while the BSE Sensex dropped by 0.81% to 76,874.54. All major domestic equity sectors experienced declines, with small-cap and mid-cap stocks losing 1.9% and 1.3%, respectively.  reuters.com
    4. Foreign Debt Servicing: A weaker rupee increases the cost of servicing foreign-denominated debt. This situation can strain the balance sheets of Indian companies and the government, leading to higher fiscal deficits and potential downgrades in credit ratings.

    Strategies for Mitigation

    To counter the adverse effects of the rupee’s depreciation, India could consider the following measures:

    1. Diversify Export Markets: Expanding trade relations with a broader range of countries can reduce dependence on specific markets and mitigate the impact of unilateral tariffs.
    2. Enhance Domestic Production: Investing in domestic industries, particularly in sectors like electronics and energy, can reduce reliance on imports, thereby insulating the economy from external shocks.
    3. Strengthen Foreign Exchange Reserves: Building up reserves can buffer against currency volatility, allowing the RBI to intervene more effectively in the forex market.
    4. Attract Stable Foreign Investment: Implementing policies that attract long-term foreign direct investment can provide a more stable source of capital and reduce vulnerability to sudden outflows. 

    Conclusion

    The depreciation of the Indian rupee past 87 per U.S. dollar underscores the complex interplay of domestic vulnerabilities and global economic dynamics. Addressing these challenges requires a multifaceted approach, including prudent fiscal management, strategic economic reforms, and proactive engagement in international trade. By implementing these strategies, India can enhance its resilience and navigate the uncertainties of the global economic landscape.

    Related Posts

    Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

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    Tata Memorial Hospital: How One Family's Loss Became a Lifeline for Thousands

    Tata Memorial Hospital: How One Family’s Loss Became a Lifeline for Thousands

    In the heart of Mumbai, you’ve likely passed a landmark that has touched countless lives profoundly. In a time when cancer was a silent, stigmatized thief in India, taking loved ones without mercy, a visionary stepped forward with a bold, compassionate dream born out of his loss and suffering. However this dream seemed impossible—but it became a powerful reality in 1942.

    For over 82 years, this sanctuary has transformed cancer care, pioneering breakthroughs that make treatment accessible to all. Beyond healing the body, it has nurtured communities, giving families hope and strength. Today, it stands as a symbol of compassion, innovation, and a relentless belief in the value of every life.

    Are you curious how this incredible journey began? 

    Story of Tata Memorial Storytelling 00 02

    Adorned with Diamonds

    Sir Dorabji Tata and Lady Meherbai Tata shared a deep bond built on love, trust, and a vision for India’s progress. 

    On their second wedding anniversary in 1900, Sir Dorabji gifted Lady Meherbai the magnificent Jubilee Diamond—an exquisite 245.35-carat cushion-cut gem—as a symbol of his deep affection.

    However, their love story was not just adorned with jewels but also defined by sacrifice and unwavering devotion.

    Story of Tata Memorial Storytelling 00 03

    That Saved an Empire

    In 1924, when an economic crisis threatened the Tata empire, Lady Meherbai made the ultimate sacrifice for their shared dream.

    Without hesitation, she pledged all her precious jewelry, including the cherished Jubilee Diamond, to secure a loan that saved Tata Steel and safeguarded the livelihoods of thousands of employees. 

    Her selfless act, driven by love and commitment, ensured the survival of the Tata legacy.

    Eventually, the pledged jewels were redeemed, but Lady Meherbai’s sacrifice became a timeless testament to the power of love and dedication in shaping a nation’s destiny.

    Story of Tata Memorial Storytelling 00 04

    A Greater Tragedy Strikes

    Not yet 50, Lady Meherbai was diagnosed with cancer, a cruel illness that drained her strength, her vitality, and, ultimately, her life. 

    Sir Dorabji did everything humanly possible to save her. He sought the best doctors in the country and traveled worldwide for the most skilled physicians. Yet, despite his relentless efforts and unwavering love, there was no respite.

    Mehri passed away, leaving behind a grieving husband whose heart remained forever bound to the love they shared. 

    Story of Tata Memorial Storytelling 00 05

    In Her Memory

    Heartbroken but determined, Sir Dorabji envisioned a world-class cancer center in India that would offer hope and healing to countless others facing the same fate.

    He formulated a trust to fund this mission, but he passed away in 1932 before seeing it come to life. In 1937, his heirs sold the Jubilee Diamond, with the proceeds added to the Sir Dorabji Tata Trust.

    Story of Tata Memorial Storytelling 00 06

    Takes Shape

    This financial backing paved the way for Tata Memorial Hospital (TMH), which opened its doors in Parel, Mumbai, on February 28, 1941, under the leadership of Nowroji Saklatwala and later J.R.D. Tata.

    What started as an 80-bed facility soon became a symbol of hope for cancer patients across the country.

    Story of Tata Memorial Storytelling 00 07

    Early Hurdles

    The early years were tough. Awareness about cancer was low, trained professionals were scarce, and funding was a constant challenge.

    Yet, a team of dedicated doctors, nurses, and staff believed in the mission—that quality cancer care should be accessible to all. 

    Slowly but surely, TMH introduced groundbreaking treatments and research, positioning it as a pioneer in India’s fight against cancer.

    Story of Tata Memorial Storytelling 00 08

    Loss into Legacy

    For Ratan Tata, the battle against cancer was deeply personal. Having lost both his parents to the disease, he made it his mission to revolutionize cancer care in India. 

    Under his leadership, Tata Trusts expanded TMH’s reach, establishing cancer centers across multiple states. This ensured that world-class treatment was no longer a distant dream for millions.

    Story of Tata Memorial Storytelling 00 09

    Horizons

    From its modest beginnings, TMH has grown into a comprehensive network of cancer care and research.

    Facilities like the Advanced Centre for Treatment, Research, and Education in Cancer (ACTREC) have set new benchmarks in treatment and research. 

    Today, TMH treats thousands of patients annually, offering holistic care and integrating new technologies to improve patient outcomes.

    Story of Tata Memorial Storytelling 00 10

    Cancer Care Accessible

    Cancer treatment can be financially draining, and TMH understood this challenge early on.

    Through outreach programs, mobile clinics, and free screening camps in remote areas, the hospital took cancer care to the doorsteps of underprivileged communities. 

    Subsidized treatment options and financial assistance initiatives ensured that no one was denied treatment due to lack of funds.

    Story of Tata Memorial Storytelling 00 11

    Amidst Challenges

    Despite growing competition, TMH has not just survived—it has thrived. Strong global partnerships, cutting-edge technology, and continuous training of medical staff have solidified its position as a leader in oncology. 

    TMH focuses on affordable, accessible care, ensuring that the best treatment reaches the masses at subsidized rates.

    Story of Tata Memorial Storytelling 00 12

    Cancer Care Across the Nation

    Tata Trusts extended their reach in regions like eastern India, where cancer care facilities were scarce.

    In 2012, Tata Medical Centre was launched in Kolkata.
    affordable treatment to thousands. 
    Today, over 20 cancer hospitals are under TMH across seven states, each reinforcing the hospital’s unwavering commitment to healing and hope.

    Story of Tata Memorial Storytelling 00 13

    A Global Influence

    TMH’s reputation has grown beyond national borders. Collaborations with global organizations like the WHO and IAEA have helped it stay at the forefront of research and innovation. 

    With modern facilities and a patient-centric approach, TMH stands as a beacon of excellence in oncology, inspiring hope worldwide.

    Story of Tata Memorial Storytelling 00 14

    Of Cancer Care

    Understanding the limitations of reaching every patient through standalone hospitals, TMH proposed an ambitious hub-and-spoke model.

    Approved by the Centre, this plan envisions 30-40 hub cancer centers across India, each catering to 5-7 crore people, supported by multiple spoke centers reaching at least a crore each. 

    Several AIIMS centers may act as hubs, while TMH’s existing hospitals will also play critical roles. TMH operates nine hospitals across India, with two more under construction in Khopoli and Bhubaneshwar.

    The Khopoli Hospital is groundbreaking, integrating Ayurveda with allopathy to offer holistic cancer care.

    Story of Tata Memorial Storytelling 00 15

    Of Hope and Healing

    What started as a personal tragedy transformed into a life-changing mission. Tata Memorial Hospital’s journey—from a heartfelt tribute to a global leader in cancer care—reflects the Tata family’s unwavering commitment to society. 

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    Financial Influencers Face 40-60% Decline in Brand Deals Amid SEBI Crackdown

    Financial Influencers Face 40-60% Decline in Brand Deals Amid SEBI Crackdown

    India’s financial scenario is changing, especially with SEBI (The Securities and Exchange Board of India) stepping in to regulate financial influencers, or “finfluencers.” The goal is simple—ensure investors get reliable, unbiased advice and protect them from misleading information.

    SEBI has issued a circular to clarify rules for regulated entities and individuals, aiming to stop illegal advisories posing as stock market education. As a result, many finfluencers are experiencing declining brand deals and overall influence.

    This crackdown has caused brand deal rates to drop by 40-60%. Brands are now shifting their focus to long-term financial products and educational content, preferring to collaborate with influencers who offer reliable, risk-free advice on mutual funds, SIPs, and retirement planning. Source: moneycontrol.com

    In this article, we’ll explore the impact of SEBI’s regulations on finfluencers and provide guidance on selecting a financial advisor who aligns with your needs.

    SEBI’s Crackdown on Finfluencers

    Social media has led to the rise of finfluencers—people who share financial advice on platforms like YouTube, Instagram, and Twitter. While some provide useful insights, others, without proper qualifications, may spread misleading information. To protect investors, SEBI wants finfluencers to register and follow set guidelines. It also plans to ban unregistered finfluencers from promoting mutual funds and stockbrokers. Source: moneycontrol.com

    SEBI’s Key Restrictions

    SEBI has now banned two major activities for unregistered influencers:

    • Giving investment advice, directly or indirectly, without SEBI approval.
    • Making claims about returns or performance without SEBI authorization.

    SEBI’s Rules Impacting Financial Influencers

    SEBI Bans Unregistered Investment AdvisorsA circular issued on January 29, 2025, bans unregistered individuals from giving investment advice.
    This step aims to protect investors from misleading information and highlights the need for advice from registered professionals.
    Earlier Restrictions on Unregistered EntitiesWhile an earlier circular on October 22, 2024, had already restricted associations between registered and unregistered entities, this latest update aims to eliminate the practice of unregulated financial advice disguised as stock market education.
    Three-Month Delay on Stock Price DataAccording to experts, with SEBI mandating a three-month delay on stock price data, financial influencers who rely on real-time updates may lose relevance. 
    Regulatory Measures Aim to Curb MisinformationThese regulatory measures are designed to curb the spread of inaccurate financial advice and ensure investors can access reliable information.
    Consequently, finfluencers who fail to comply with these guidelines may lose brand partnerships and credibility.
    Source: Moneycontrol

    Decline in Brand Deals and Earnings

    Industry experts highlight that brand deals will take a hit since influencers can no longer directly promote mutual funds or specific stocks. This means a drop in both affiliate and promotional income. Many influencers earn a commission of around 2–5% when investors use their referral links, and this revenue stream will likely shrink.

    Many followers turn to financial influencers for daily market updates. Without real-time content, engagement is expected to decline. People might not follow them as much as before, leading to fewer brand deals. Traders who depend on real-time updates may feel disconnected, affecting influencer-follower relationships.

    Impact on Brand Collaborations

    Experts believe that outdated stock prices will impact influencer marketing. Many brands use influencers to attract active traders, and the new regulations disrupt this approach. SEBI’s oversight has led to a cautious approach from brands, reducing the number of deals for financial influencers.

    Before these regulations, influencers offering live market updates and stock tips commanded high rates—often ₹1-3 lakh per post. However, SEBI’s clampdown has led to a 40-60% drop in brand deal rates.  Source: Moneycontrol

    Who Still Commands High Rates?

    Finfluencers specializing in cryptocurrency, trading, or high-level financial planning still earn premium rates, ranging between ₹3 lakh and ₹12 lakh per collaboration. Experts also highlight how platform-based pricing varies—macro influencers might charge ₹1.5 lakh for an Instagram post, ₹2.5 lakh for a YouTube video, and ₹1 lakh for a Twitter post, depending on engagement levels.

    Struggles for Smaller Finfluencers

    Micro and mid-tier financial influencers are facing significant challenges. Many have seen their business models collapse due to the new regulations, forcing influencers and brands to rethink their approach. Brands are also reassessing their strategies to stay compliant with SEBI guidelines.

    The Numbers Behind the Shift

    According to Qoruz data, as of December 2024, India had 232,000 finance influencers. Only 5-10% of them focused on stock-market-related content. That means just 11,000 to 23,000 influencers discussed stocks, many of whom had already adapted to SEBI’s earlier restrictions.

    As the influencer marketing landscape evolves, content creators and brands must navigate these new regulations carefully, focusing on compliance and long-term financial education rather than short-term market updates. Source: Moneycontrol

    Adapting to New Guidelines

    With SEBI’s evolving regulations, many financial influencers have successfully shifted their focus to broader financial literacy topics, such as smart money management, thrift strategies, and saving techniques. This change has also opened new brand collaboration opportunities beyond the stock market.

    Exploring New Revenue Streams

    According to experts, many financial influencers have started offering paid courses on topics like:

    • How to start investing in mutual funds
    • How to evaluate a mutual fund or stock
    • Step-by-step guides on mutual funds and stocks

    Subscription-based courses have emerged as a key monetization model. Additionally, influencers collaborate with asset management companies (AMCs) to conduct financial education sessions, creating valuable learning opportunities while diversifying their revenue streams.

    Know More:  
    SEBI registers investment advisory |  Stock investment advisory

    The Challenge of Transition

    Not all influencers find this transition easy. Many followers rely on financial influencers for daily stock market updates. Their audience mainly consists of traders or active investors. Shifting to broader financial content might reduce engagement and brand deal rates. 

    A Positive Step for Investor Protection

    While financial influencers adjust to these changes, SEBI’s regulations are seen as a much-needed safeguard for retail investors. Experts believe this move will prevent individuals from losing money by following unregistered influencers for stock tips.

    This move will promote responsible financial education and allow credible creators to thrive. It will also focus on fact-based, long-term financial education rather than speculative stock tips.

    The Importance of Choosing the Right Financial Advisor

    With these regulatory changes, seeking financial advice from qualified professionals is more crucial than ever. A competent financial advisor can help you navigate complex financial decisions, plan for your future, and ensure that your investments align with your goals and risk tolerance.

    Steps to Select the Right Financial Advisor

    Identify Your Financial Goals

    Before seeking an advisor, clearly define your financial objectives. Are you planning for retirement, saving for a child’s education, or looking to grow your wealth? Understanding your goals will help you find an advisor whose expertise aligns with your needs.

    Verify Credentials and Registration

    Ensure the advisor is registered with SEBI as a Registered Investment Advisor (RIA) or holds relevant certifications. Registered advisors must adhere to regulatory standards, providing an added layer of security for investors. moneycontrol.com

    Understand the Advisor’s Fee Structure

    Financial advisors may charge fees in various ways, including:

    Fee-Only:

    A flat fee or hourly rate for their services.

    Commission-Based:

    Earnings are based on the financial products they sell.

    Fee-Based:

    A combination of fees and commissions. Understanding the fee structure is essential to identify potential conflicts of interest and ensure transparency. moneycontrol.com

    Assess Experience and Expertise

    Look for advisors with a proven financial planning and investment management track record. Experience in handling diverse financial situations can be invaluable. Don’t hesitate to ask for references or case studies demonstrating their expertise.

    Evaluate Communication and Compatibility

    Effective communication is key to a successful advisor-client relationship. Your advisor should be able to explain complex financial concepts in simple terms and be responsive to your questions. Additionally, ensure that their communication style aligns with your preferences.

    Check for Fiduciary Responsibility

    Prefer advisors who operate under a fiduciary duty, meaning they are legally obligated to act in your best interest. This ensures that the advice you receive is unbiased and focused on your financial well-being.

    Seek Transparency and Disclosure

    A trustworthy advisor will be transparent about their investment strategies, potential risks, and any affiliations that might influence their recommendations. Full disclosure helps build trust and allows you to make informed decisions.

    Consider the Advisor’s Approach to Financial Planning

    Understand how the advisor develops financial plans. Do they offer comprehensive planning that covers various aspects of your financial life, or do they focus solely on investments? Ensure that their approach aligns with your expectations and needs.

    Review Client Testimonials and Reviews

    Seek feedback from current or former clients to gauge the advisor’s reliability and effectiveness. Online reviews and testimonials can provide insights into the advisor’s reputation and client satisfaction.

    Conclusion

    SEBI’s recent actions to regulate finfluencers highlight the importance of obtaining financial advice from qualified and trustworthy sources. By following the steps outlined above, you can select a financial advisor who meets regulatory standards and aligns with your personal financial goals. 

    Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

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    FAQs

    1. What prompted SEBI’s action?

      SEBI’s crackdown on finfluencers stems from concerns about misleading financial advice and market manipulation. Paid promotions of stocks without proper disclosures or qualifications were rampant, leading to investor losses. This action aims to protect investors and maintain market integrity.

    2. How are brand deals affected?

      Finfluencers’ brand deals, particularly those involving stock promotions, are expected to decline significantly. Companies will be wary of associating with individuals facing SEBI scrutiny. This reduces finfluencers’ income streams and changes influencer marketing dynamics in the financial sector.

    3. What are the live stock price restrictions?

      SEBI restricts finfluencers from providing live stock price updates or recommendations during their promotional content. This measure aims to curb real-time market manipulation and prevent investors from making impulsive decisions based on potentially biased information.

    4. Who is considered a “fininfluencer”?

      SEBI’s definition of a finfluencer broadly covers anyone providing financial advice or commentary on social media platforms, regardless of their follower count. This includes registered advisors and unregistered individuals offering opinions on stocks, investments, or market trends.

    5. What are the potential consequences for influencers?

      Finfluencers violating SEBI regulations could face penalties, including fines, bans from the securities market, and even legal action. Brands collaborating with such individuals may also face reputational damage. Increased regulatory oversight is expected in the finfluencer marketing space.

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    Intel’s Stock Gains 3.8% Despite Losses – Will India’s 2025 Budget Align with Global Tech?

    Intel’s Stock Gains 3.8% Despite Losses – Will India’s 2025 Budget Align with Global Tech?

    What does Intel’s latest earnings report mean for the global tech industry, and more importantly, how could it influence India’s upcoming 2025-26 Union Budget? As Intel navigates a challenging period marked by leadership transitions, struggles in the AI chip sector, and the evolution of its foundry business, the impact of these developments could extend beyond Wall Street. With India aiming to strengthen its semiconductor and technology infrastructure, Intel’s performance and strategic shifts could shape India’s policy decisions.

    Intel’s Q4 Performance: Beating Expectations Amid Challenges

    Intel (INTC) announced its fourth-quarter earnings, reporting earnings per share (EPS) of $0.13 on revenue of $14.3 billion. This exceeded analysts’ expectations of $0.12 EPS on $13.8 billion in revenue. However, the company provided a weaker-than-expected Q1 2024 forecast, projecting revenue between $11.7 billion and $12.7 billion, while analysts had expected $12.85 billion.
    Source: Intel Q4 Report

    Source: Yahoo! Finance

    Despite these mixed results, Intel’s stock climbed 3.8% in after-hours trading. This rise came even though Intel’s shares had plummeted nearly 60% over the past year, as the company struggled to keep up with competitors like Nvidia and AMD in the AI chip race. The company also saw a decline in overall revenue compared to the previous year, falling 7% from Q4 2022’s $15.4 billion.

    Intel’s long-term strategy is one of the biggest concerns for investors, especially as it undergoes a major leadership shift. The company’s former CEO, Pat Gelsinger, was ousted last month due to dissatisfaction with the pace of his ambitious turnaround plan. The absence of a permanent CEO has fueled uncertainty among investors, with interim co-CEOs David Zinsner and Michelle Johnston Holthaus leading the company. Source: Yahoo! Finance

    Key Business Segments and Challenges

    1. Foundry Business & External Revenue Potential

    Intel’s foundry business is still in its early stages, but it has projected meaningful external revenue by 2027. The company aims to manufacture chips for Intel and third-party clients, a model similar to Taiwan’s TSMC. Despite securing agreements to build chips for Amazon’s AWS and Microsoft, the foundry division remains a drag on Intel’s revenue in the short term, bringing in $4.5 billion in Q4—meeting expectations but not exceeding them. Investors are closely watching whether this segment can drive long-term growth.

    2. Client Computing & AI PC Market Struggles

    Intel’s Client Computing business, which includes chips for PCs, reported $8 billion in revenue, slightly above the $7.8 billion analysts expected. However, Intel has faced challenges in leveraging the rise of AI-powered personal computers. According to IDC, The PC market remains flat, with global shipments rising just 1% in 2024.

    3. AI Chip Market & Nvidia’s Dominance

    One of the biggest setbacks for Intel has been its inability to capture a significant share of the AI chip market. The company recently shelved its Falcon Shores GPU, originally designed for AI applications, and is opting to use it as an internal test chip instead. Meanwhile, Nvidia continues to dominate the AI chip sector, with its stock rising 93% in the last year despite concerns about Chinese AI competition. Intel’s AI-focused Gaudi processors have also underperformed, leading the company to abandon its previous forecast of selling over $500 million of these chips in 2024.

    Source: Intel Q4 Report

    How Intel’s Performance Connects to India’s 2025 Budget

    While Intel’s earnings report does not directly impact India’s Union Budget, global semiconductor trends influence government decisions. India has been pushing aggressively to establish a strong semiconductor manufacturing ecosystem. Here’s how Intel’s performance and broader market shifts could impact India’s policy decisions:

    1. Foreign Direct Investment (FDI) & Market Confidence

    A strong performance by Intel and other global chipmakers can boost investor confidence in the semiconductor sector. This could encourage foreign investment in India’s semiconductor initiatives under the Production-Linked Incentive (PLI) scheme. If global sentiment remains shaky due to Intel’s uncertain future, it could impact investments into India’s chip manufacturing sector.

    2. Stock Market & Capital Gains Taxation

    Intel’s stock movements can influence global markets, including Indian stock exchanges. A rising global tech sector generally leads to bullish sentiment in India’s IT and semiconductor stocks, potentially affecting capital gains tax collections and revenue forecasts in the budget. If Intel’s outlook remains weak, it could contribute to volatility in tech stocks, affecting overall market performance.

    3. Semiconductor Policy & PLI Scheme Adjustments

    The Indian government has significantly funded semiconductor manufacturing under the PLI scheme. Intel’s struggles and the broader semiconductor landscape might prompt India to refine its incentives to attract global manufacturers. If Intel eventually strengthens its foundry business, India may seek collaboration opportunities or increased incentives for domestic chip production.

    4. Impact on Import Costs & Rupee Exchange Rate

    If Intel’s earnings impact the U.S. dollar’s strength, it could influence the rupee’s exchange rate, affecting India’s import bill for electronics and semiconductors. A weaker Intel outlook could slow semiconductor price hikes, benefiting Indian manufacturers relying on imports. However, if Intel’s foundry business picks up, it might drive up chip prices, increasing India’s import costs.

    5. AI & Tech Investments in India

    India’s budget for 2025-26 is expected to emphasize AI and semiconductor manufacturing. With Intel failing to significantly impact AI chips, the Indian government may focus on supporting homegrown AI semiconductor development rather than relying on external players like Intel. Alternatively, India may partner with other global leaders like Nvidia and AMD.
    Source: Times of India

    Investor Sentiment & The Role of a New Intel CEO

    One of Intel’s biggest uncertainties is the absence of a permanent CEO. Investors are keen on a leadership announcement clarifying the company’s future. A strong new leader could reinvigorate Intel’s turnaround plans, potentially stabilizing global tech sentiment and influencing semiconductor investments in India. On the other hand, prolonged uncertainty could add to market instability, impacting investment flows into India’s tech sector.

    Conclusion

    Intel’s latest earnings report presents a mixed picture—exceeding expectations in some areas while struggling in others. Despite long-term challenges, the stock’s 3.8% rise reflects cautious optimism, but uncertainties surrounding leadership and AI strategy remain.

    For India, the implications are indirect but significant. The country’s 2025-26 budget will focus on semiconductor manufacturing, AI research, and foreign investment incentives. While Intel’s performance alone may not dictate India’s policy decisions, broader trends in the global tech industry will shape the budget’s approach to technology investments and semiconductor growth.

    As the search for a new Intel CEO continues, investors and policymakers alike will watch closely to see how one of the world’s most iconic chipmakers navigates its path forward—and what that means for India’s ambitions in the tech sector.

    Disclaimer Note: The securities quoted, if any, are for illustration only and are not recommendatory. This article is for education purposes only and shall not be considered as a recommendation or investment advice by Equentis – Research & Ranking. We will not be liable for any losses that may occur. Investments in the securities market are subject to market risks. Read all the related documents carefully before investing. Registration granted by SEBI, membership of BASL & certification from NISM in no way guarantee the performance of the intermediary or provide any assurance of returns to investors.

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    How Nifty 50 Reacts to Union Budget This Year

    How Nifty 50 Reacts to Union Budget This Year

    The Union Budget is one of the most anticipated financial events of the year. It shapes economic policies and impacts stock market trends. Historically, the market exhibits heightened volatility around Budget announcements, driven by investor expectations, fiscal measures, and policy changes. With Budget 2025 set to be unveiled, let’s examine how the Nifty 50 index has performed in the days leading up to and following previous Budget presentations and what analysts and India Inc. expect this year.

    Historical Performance of Nifty 50 Around Budget Days

    A review of Nifty 50’s closing levels on January 31 (or the last trading day before Budget) and February 1 (Budget Day) over the past five years reveals mixed reactions: 

    YearJanuary 31 Closing LevelFebruary 1 Closing LevelAbsolute ChangePercentage Change
    202012,129.5011,661.85-467.65-3.86%
    202113,634.6014,281.20646.600.05%
    202217,339.8517,576.85237.000.01%
    202317,662.1517,616.30-45.85-0.26%
    202421,725.7021,697.45-28.25-0.13%
    Source: NSE India, Fortune India, Economic Times, Business Today, Hindustan Times)

    Key Takeaways on Performance During Budget

    Market experts suggest that the Budget’s impact on equities hinges on policy announcements related to fiscal deficit, taxation, infrastructure spending, and industry incentives. Analysts expect Union Budget 2025 to focus on:

    1. Capex-driven growth: Increased allocation towards infrastructure, manufacturing, and green energy projects.

    2. Fiscal discipline: Measures to maintain fiscal prudence while supporting economic expansion.

    3. Middle-class benefits: Potential tweaks in tax slabs or rebates to enhance disposable income and consumption.

    4. Sector-specific incentives: Favorable policies for auto, real estate, IT, and banking sectors to boost investor sentiment.

    According to a report by the Economic Times, the market could witness positive momentum if the Budget clarifies economic growth drivers and incentives for key industries. Conversely, unexpected fiscal tightening or a lack of stimulus measures may trigger selling pressure.

    What India Inc Expects from Union Budget 2025?

    Corporate leaders are keenly watching Budget 2025, anticipating reforms that will drive long-term growth. Some key expectations include:

    • Incentives for Manufacturing & Exports: Policies to enhance India’s position as a global manufacturing hub, including production-linked incentives (PLI) and tax relaxations for exporters.
    • Infrastructure Push: Increased capital expenditure to bolster roads, railways, ports, and urban development, focusing on public-private partnerships.
    • Tax Reforms: Simplification of tax structures, potential rationalization of GST rates, and corporate tax relief to improve ease of doing business.
    • Ease of Doing Business: Further digitalization and streamlining compliance requirements to support MSMEs and startups.
    • Sustainability Focus: Renewable energy incentives, carbon credit policies, and green financing measures to accelerate India’s transition to a low-carbon economy.
    • Banking and Financial Reforms: Strengthening of banking regulations, incentives for fintech innovation, and measures to boost credit availability for small businesses.
    • Healthcare & Education Investment: Increased funding for healthcare infrastructure and skill development programs to enhance workforce productivity.
    • Technology & AI Investments: Support for artificial intelligence, semiconductor manufacturing, and R&D in emerging technologies to position India as a global innovation hub.
    • Agricultural Reforms: Boosting rural income through modernized farming techniques, better supply chain management, and increased MSP support for farmers.
    • Startups & Digital Economy: Policies that incentivize startups and tech-driven enterprises through tax exemptions, venture capital funding, and reduced compliance burdens.

    Industry leaders believe that a well-balanced Budget can propel India’s growth while maintaining investor confidence in the equity markets.

    What to Expect on Union Budget on 1st Feb 2025?

    With past trends indicating heightened market volatility around Budget announcements, investors should brace for potential swings in the Nifty 50. If the Budget aligns with expectations on growth, tax reforms, and fiscal prudence, markets may rally. However, any surprises or policy shifts could trigger short-term corrections.

    The key for investors is to analyze long-term economic implications rather than react to immediate market fluctuations. As we await Budget 2024, staying informed and aligning investment strategies with macroeconomic fundamentals will be crucial. *(Sources: NSE India, Economic Times, Business Today, Hindustan Times, Fortune India)

    READ MORE: What To Expect from Budget 2025

    Is the Stock Market Open Tomorrow on Union Budget Day?

    The Indian stock markets, including the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE), are open on weekdays from 9:15 AM to 3:30 PM IST, and usually shut on weekends. However, tomorrow, Saturday, February 1, 2025, being the budget day, the stock market will be open between 9:15 AM to 3:30 PM IST.

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    Frequently asked questions

    Get answers to the most pertinent questions on your mind now.

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    What is an Investment Advisory Firm?

    An investment advisory firm is a company that helps investors make decisions about buying and selling securities (like stocks) in exchange for a fee. They can advise clients directly or provide advisory reports and other publications about specific securities, such as high growth stock recommendations. Some firms use both methods, like Research & Ranking, India’s leading stock advisory company, specializing in smart investments and long-term stocks since 2015.

    An investment advisory firm is a company that helps investors make decisions about buying and selling securities (like stocks) in exchange for a fee. They can advise clients directly or provide advisory reports and other publications about specific securities, such as high growth stock recommendations. Some firms use both methods, like Research & Ranking, India’s leading stock advisory company, specializing in smart investments and long-term stocks since 2015.

    An investment advisory firm is a company that helps investors make decisions about buying and selling securities (like stocks) in exchange for a fee. They can advise clients directly or provide advisory reports and other publications about specific securities, such as high growth stock recommendations. Some firms use both methods, like Research & Ranking, India’s leading stock advisory company, specializing in smart investments and long-term stocks since 2015.

    An investment advisory firm is a company that helps investors make decisions about buying and selling securities (like stocks) in exchange for a fee. They can advise clients directly or provide advisory reports and other publications about specific securities, such as high growth stock recommendations. Some firms use both methods, like Research & Ranking, India’s leading stock advisory company, specializing in smart investments and long-term stocks since 2015.