Top Gainers and Losers of the Day: IndusInd Bank, Shriram Finance Lead Gainers; ITC Declines Slightly

On April 15, 2025, Indian benchmark indices caught up with global markets after a trading holiday on Monday. Global markets, particularly in the US, have seen a strong recovery recently, driven by optimism over potential tariff exemptions from Donald Trump.

The BSE Sensex opened with a substantial gap of nearly 1,700 points at 76,852 and quickly rose to a high of 76,908. The index then consolidated near its highs for the day, supported by strong buying in private banks, metals, IT, and infrastructure stocks.

The Sensex closed with a gain of 1,578 points, or 2.1%, at 76,735. HDFC Bank, ICICI Bank, and Axis Bank were major contributors, together accounting for almost 50% of the day’s rise, adding around 750 points.

Read More Bonus, Stock Split and Dividend This Week: Mazagon Dock, Sanofi Consumer and More. 

Meanwhile, the NSE Nifty reached its highest point of the day at 23,368 at the opening, eventually closing 500 points, or 2.2%, higher at 23,329.

Here are the top gainers and losers of the day: 

Top Gainers of the Day

Symbol Open High Low LTP %chng
INDUSINDBK 705 741 693.05 735.5 6.67
SHRIRAMFIN 651.95 674.55 649.15 671.85 5.17
TATAMOTORS 614 628.3 612.65 622.5 4.61
LT 3,180.00 3,272.00 3,176.10 3,259.00 4.59
AXISBANK 1,090.00 1,117.00 1,083.00 1,115.50 4.35

Top Gainers of the Day

  • IndusInd Bank
     IndusInd Bank surged 6.67% to ₹735.5 after opening at ₹705 and hitting a high of ₹741. Strong sentiment in private banks drove the stock higher.
  • Shriram Finance
     Shriram Finance gained 5.17%, with the stock rising to ₹671.85. Positive cues in the lending sector contributed to its rally.
  • Tata Motors
     Tata Motors climbed 4.61% to ₹622.5, buoyed by a strong performance in the auto sector.
  • Larsen & Toubro (L&T)
     L&T rose 4.59% to ₹3,259.00, gaining on optimism in the infrastructure and capital goods space.
  • Axis Bank
     Axis Bank advanced 4.35%, ending at ₹1,115.50, supported by robust banking sector sentiment.

Top Losers of the Day

Symbol Open High Low LTP %chng
ITC 429.2 429.2 419 420.35 -0.28

 

  • ITC
     ITC slipped 0.28% to ₹420.35 after opening at ₹429.2. The stock faced minor profit booking following recent gains.

Conclusion

The market rebound on April 15 reflected investor confidence returning amid easing global trade concerns. With private banks, auto, and infra stocks leading the charge, the momentum suggests a strong start to the earnings season. However, selective profit booking in defensive stocks like ITC indicates a cautious undertone among investors.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing. 

BoI (Bank of India) Cuts FD Rates, Ends Special 400-Day Scheme Offering 7.30%

Bank of India (BoI) has reduced its fixed deposit (FD) interest rates following the recent repo rate cut by the Reserve Bank of India. The bank also discontinued its special 400-day FD scheme that offered an attractive 7.30% interest rate.

New FD Rates for General Public (Deposits below ₹3 crore)

  • 91 to 179 days: Interest rate reduced by 25 basis points (bps) — from 4.50% to 4.25%

  • 180 days to less than 1 year: Now 5.75%, down from 6%

  • 1 year: Lowered from 7% to 6.80%

  • Above 1 year to less than 2 years (excluding the 400-day scheme): Slight cut of 5 bps — from 6.80% to 6.75%

Read More: Bonus, Stock Split and Dividend This Week: Mazagon Dock, Sanofi Consumer and More.  

Additional Interest for Senior Citizens

  • Senior citizens (60 years & above): Extra 0.50% interest on FDs of 6 months or more

  • Super senior citizens (80 years & above): Extra 0.65% on the same, applicable for deposits below ₹3 crore

Revised BoI FD Rates (effective from April 15, 2025)

Tenure New Rate Previous Rate
91 to 179 days 4.25% 4.50%
180 days to < 1 year 5.75% 6.00%
1 year 6.80% 7.00%
>1 year to <2 years 6.75% 6.80%

Other Banks Also Cut FD Rates

  • SBI: Reduced FD rates by 10 bps for tenures from 1 year to less than 3 years (deposits below ₹3 crore), effective April 15.

  • Canara Bank: Slashed rates by up to 20 bps on select tenures (under ₹3 crore), effective April 10. Now offers 4% to 7.25% for the general public and 4% to 7.75% for senior citizens.

  • Bandhan Bank: Changed rates for bulk deposits above ₹3 crore, effective April 3. Offers 8% for callable bulk deposits (12 to under 13 months) and up to 8.3% for non-callable deposits of the same period.

About Bank of India

Bank of India is a public sector bank based in Mumbai’s Bandra Kurla Complex. Established in 1906, it became government-owned after nationalisation in 1969. It is also one of the founding members of SWIFT, an international network that enables efficient and secure financial communication and transactions.

As of 3:09 PM IST on April 15, 2025, Bank of India share price is trading at ₹111.29, with a 52-week high of ₹157.95 and a 52-week low of ₹90.05.

Conclusion

With BoI joining other major banks in reducing FD rates, investors—especially senior citizens—may need to explore other options for better returns. The trend reflects a broader shift in banking strategies following RBI’s monetary policy changes.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.      

     

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.      

Shein and Reliance May Change Partnership Plans Amid Global Trade Tensions

Fast fashion company Shein is reportedly rethinking parts of its sourcing partnership with Reliance Retail, according to reports. This comes as trade tensions between the US and China continue to rise. China is tightening its control over local factories, making it harder for companies to shift manufacturing out of the country.

China Pushes to Keep Manufacturing Local

The original plan between Shein and Reliance was to make India a key global sourcing hub for Shein. However, after the US government introduced a 145% tariff on Chinese goods, China responded by discouraging factories from moving abroad. In turn, Shein may scale back its production plans in India. While the US paused tariffs on Indian goods for 90 days, this relief doesn’t apply to China. China has responded with a 125% tariff on American products, keeping tensions high.

Read More: Bonus, Stock Split and Dividend This Week: Mazagon Dock, Sanofi Consumer and More.  

Shein’s Comeback in India

Shein made a comeback in India recently through a partnership with Reliance Retail after being banned in 2020 due to its Chinese ties. The deal allowed Shein to launch a dedicated app hosted by Reliance, with all Indian user data stored locally. The 2 companies also had plans to set up a large export hub involving 25,000 Indian MSMEs (small and medium manufacturers). Shein had promised to provide tech and support to help Indian factories join its global supply network. However, these plans are now uncertain due to the changing trade environment.

Dependence on Chinese Manufacturing Remains

Even though global companies are looking to move manufacturing out of China, many Chinese tech brands like Oppo, Vivo, and Realme still make their products for India within China. Shein, while now based in Singapore, still relies mostly on Chinese factories. It hoped India would help reduce this reliance, but that may not happen soon, given the current geopolitical situation.

Shein Struggles with Slower Growth and Lower Profits

Shein is also facing challenges in the market. Its profit fell by nearly 40% to $1 billion in 2024, even though its revenue increased by 19% to $38 billion. The company’s value peaked at $100 billion in 2022, dropped to $66 billion in 2023, and could fall further to around $30 billion as it prepares for an IPO in London. Shein had originally planned to go public in the US but changed plans due to political opposition.

India Remains Key for Shein’s Future

Despite these issues, India is still an important market for Shein. The fast fashion industry in India is expected to grow 5 times from $10 billion in FY24 to $50 billion by FY31, according to reports. Shein and Reliance have not officially commented on the renegotiation reports, but they are believed to be exploring ways to save parts of the deal as global trade dynamics evolve.

About Reliance Industries Limited

Reliance Industries Limited is a multinational conglomerate based in Mumbai, Maharashtra. The company operates across various sectors including energy, petrochemicals, natural gas, retail, telecom, entertainment, mass media, and textiles.

On April 15, at 2:25 PM IST, Reliance Industries share price was trading at ₹1,243.10, up ₹24.15 or 1.98% for the day. The stock opened and hit a high of ₹1,251.00, while the day’s low stood at ₹1,237.10. Over the past 52 weeks, the stock has touched a high of ₹1,608.80 and a low of ₹1,114.85.

Conclusion

As global trade tensions reshape supply chains, Shein’s ambitious India plans face uncertainty. However, with India’s fast fashion market poised for major growth, both Shein and Reliance may still find common ground to adapt and move forward.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.      

     

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.      

Nifty Financial Services Soars 2.95%, Led by ICICI GI, PFC and Shriram Finance

The Nifty Financial Services Index, also known as FINNIFTY, is a benchmark designed to capture the performance of India’s dynamic financial sector. It includes 20 major stocks across various segments such as banks, financial institutions, housing finance, insurance, and other financial services. Introduced by the National Stock Exchange (NSE), the index uses the free-float market capitalisation method, which reflects the market value of each constituent stock adjusted for its free-float, relative to a base value. The base date is January 1, 2004, with a base value of 1,000. The index is recalibrated semi-annually to ensure it remains representative of the sector.

Market Performance on April 15, 2025

As of 11:59 AM on April 15, 2025, the Nifty Financial Services Index was trading at 25,280.90, marking a gain of 725.35 points or 2.95% over the previous close of 24,555.55. 

The index showed strong momentum throughout the session, opening at 25,215.85 and moving within a day’s range of 25,035.60 to 25,291.75. Notably, it hovered close to its 52-week high of 25,297.35, a significant rise from the 52-week low of 20,457.90. The current price-to-earnings (P/E) ratio stands at 16.46, while the dividend yield is 2.9%, making it attractive to both growth and income-focused investors.

Read More: Bonus, Stock Split and Dividend This Week: Mazagon Dock, Sanofi Consumer and More. 

Top Gainers in the Index

The index’s stellar performance today was driven by substantial gains in several stocks. ICICI Lombard General Insurance (ICICIGI) led the surge with a 5.25% rise, closing at ₹1,808.90. Power Finance Corporation (PFC) followed closely with a 5.19% gain at ₹421.55. Shriram Finance (SHRIRAMFIN) climbed 4.66% to ₹668.55, while Cholamandalam Investment (CHOLAFIN) and Axis Bank (AXISBANK) rose by 4.15% and 4.01% respectively. These gains underscore the bullish sentiment surrounding financial stocks in the current market environment.

Key Constituents by Weightage

The index composition is heavily skewed towards India’s largest and most influential financial institutions. HDFC Bank commands the highest weight at 32.51%, followed by ICICI Bank at 22.25%. Other significant constituents include Kotak Mahindra Bank (7.46%), Axis Bank (7.36%), and State Bank of India (6.93%). Major non-banking financial companies (NBFCs) such as Bajaj Finance (5.47%) and Bajaj Finserv (2.55%) also hold notable weights, while firms like Shriram Finance, Jio Financial Services, and HDFC Life contribute to the overall diversification of the index.

Performance Metrics and Index Use

The Nifty Financial Services Index is widely utilised for benchmarking mutual fund and ETF portfolios, as well as for launching structured financial products. Its recent performance shows robust growth, with returns of 6.64% over 1 month, 19.47% over 3 months, and 21.90% over 6 months. The one-year return stands at 16.37%, highlighting consistent upward momentum. In terms of risk, the index has a standard deviation of 21.36%. With a beta of 1.07 and a 0.90 correlation with the Nifty 50, it exhibits slightly higher volatility but remains closely aligned with the broader market.

Conclusion

The strong showing of the Nifty Financial Services Index highlights the growing strength of India’s financial ecosystem. Led by gains in insurance and NBFC stocks, the index has reaffirmed investor confidence in the sector. As India’s economy continues to expand, financial services are poised to remain a key pillar of growth, making FINNIFTY a crucial index to watch in the months ahead.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.     

    

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.     

Macrotech Developers Buys 10 Land Parcels for ₹24,000 Crore Housing Projects in FY25

Real estate giant Macrotech Developers, known for its Lodha brand, acquired 10 land parcels in the 2024–25 financial year to build housing projects worth nearly ₹24,000 crore. This move is part of the company’s plan to grow its business as housing demand continues to remain strong.

The company had earlier shared a target to acquire land parcels with a sales potential of ₹21,000 crore in FY25. However, it exceeded this goal with actual acquisitions reaching ₹23,700 crore in gross development value (GDV).

New Land in Pune Adds ₹4,300 Crore GDV

In its latest update, Macrotech revealed it added 2 new land parcels in Pune, contributing a GDV of ₹4,300 crore. Overall, the land deals were spread across the Mumbai Metropolitan Region (MMR), Bengaluru, and Pune. The company did not disclose how many of these 10 parcels were outright purchases or joint ventures with landowners.

Read More Upcoming Q4FY25 Earnings This Week: IREDA, Wipro, Infosys and More Set to Release Earnings.  

Strong Sales Bookings in Q4 and FY25

Macrotech Developers also posted strong sales performance:

  • In Q4 FY25, sales bookings rose 14% to ₹4,810 crore, compared to ₹4,230 crore in Q4 FY24. 
  • For the full fiscal year, sales bookings grew 21% to a record ₹17,630 crore, up from ₹14,520 crore in the previous year.

Presence Across Key Markets

Macrotech Developers is a leading real estate company in India with a solid presence in MMR, Pune, and Bengaluru. Apart from residential projects, the company is also active in:

  • Industrial and logistics parks 
  • Office and retail space development

Family Feud Over ‘Lodha’ Brand Name

While the company expands its footprint, it is currently involved in a legal dispute with the House of Abhinandan Lodha, founded by Abhishek Lodha’s younger brother. The conflict is centred around the use of the ‘Lodha’ brand name.

Share Price Movement

As of 12:24 PM on April 15, shares of Macrotech Developers share price were trading at ₹1,197.40, up ₹74.80 or 6.66% for the day. The stock opened at ₹1,157.00 and touched an intraday high of ₹1,208.00 and a low of ₹1,145.00. The company’s market capitalisation stood at ₹1.19 lakh crore, with a price-to-earnings (P/E) ratio of 47.40 and a dividend yield of 0.19%. Over the past 52 weeks, the stock has traded between a low of ₹1,035.15 and a high of ₹1,649.95.

Conclusion

Macrotech Developers’ aggressive land acquisitions and record-high sales figures underline its strong market position and growth momentum. Despite ongoing brand-related legal challenges within the Lodha family, the company remains focused on scaling up its presence in key real estate markets across India.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.    

   

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.    

Sensex Jumps 1,750 Points, Nifty Crosses 23,000: Why is the Indian Stock Market Rising?

On Tuesday, the Indian stock market continued its upward trend for the second day in a row, opening with a strong gain. The Nifty 50 opened at 23,368 and reached an intraday high of 23,368, showing a gain of 540 points. Similarly, the Sensex opened at 76,852 and hit an intraday high of 76,907, recording a massive gain of 1,750 points. The Bank Nifty also surged nearly 1,300 points, touching 52,299.

Over the past 2 sessions, the BSE Sensex has gained over 3,000 points, the Nifty 50 has surged more than 950 points, and the Bank Nifty has gained over 2,000 points. This rally isn’t limited to just large companies — the broader market is also seeing buying interest. The BSE Small-cap index rose by about 2%, and the Mid-cap index jumped by around 1.65%.

Read More Upcoming Q4FY25 Earnings This Week: IREDA, Wipro, Infosys and More Set to Release Earnings. 

5 Key Reasons Behind the Rally

1. Crash in US Bond and Stock Markets

Usually, the US bond and stock markets move in opposite directions. However, after Trump implemented new tariffs, both markets crashed together, which surprised many investors and even the White House. Countries like China that had bought US bonds due to Trump’s earlier policies started selling them after the tariffs were put in place. This selling led to a crash in both the bond and stock markets.

2. Trade War Turning Into Negotiations

After Trump paused tariffs for 90 days, there’s a growing buzz that behind-the-scenes trade talks may start, and a positive outcome might be possible. The US also wants to reach deals with trade partners, especially after the fall in its own financial markets.

3. Weak US Dollar

The US dollar index has fallen below 100, a level not seen in almost 2 years. This weakness means that US assets like treasury bonds, equities, and currency are under pressure. As a result, foreign investors (FIIs) might change their strategy and start investing in Indian markets after pulling out from the US.

4. Hawkish US Fed Despite Trump’s Rate Cut Push

Since becoming the 47th US President, Donald Trump has been publicly pushing for interest rate cuts. But US Federal Reserve Chairman Jerome Powell is staying focused on fighting inflation before cutting rates. After Trump’s tariffs were implemented, inflation fears rose even more, making the Fed stick to its tough stance. So, the American economy is now moving in a different direction than Trump’s wishes, and the chance of any rate cut in the near future is low.

5. RBI’s Positive Outlook on Indian Inflation

In its recent Monetary Policy Committee (MPC) meeting, the RBI kept its inflation projection for 2025–26 at 4%, with quarter-wise estimates as follows: Q1 – 3.6%, Q2 – 3.9%, Q3 – 3.8%, and Q4 – 4.4%. RBI Governor also said that inflation risks are evenly balanced. This shows confidence in the Indian economy and is being welcomed by investors, especially as the US struggles with rising inflation. The Governor also highlighted that inflation dropped in January and February 2025, mainly because of a sharp fall in food prices.

Stay Alert to Trump-Related News

Investors should be remain cautious and monitor news related to Donald Trump and the US White House. Even though recent actions have calmed the markets, more uncertainty could arise with new sector-specific tariffs that Trump has promised. Sectors like Indian pharmaceuticals may come under pressure again if Trump’s tariff threats continue. While the bond market may have temporarily slowed Trump down, he’s unlikely to completely back away from his tariff plans.

Conclusion

The Indian stock market’s robust rally is backed by both domestic confidence and global shifts in investor sentiment. While strong buying momentum and positive economic signals are fueling the rise, investors should tread cautiously. Global uncertainties, especially related to Donald Trump’s trade policies, remain a potential risk. Staying informed and focusing on long-term fundamentals can help investors navigate the ongoing volatility.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.   

  

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.   

 

PwC Submits Draft Review on IndusInd’s Derivatives, But Bank Denies Receipt

PricewaterhouseCoopers (PwC) has submitted a draft report to IndusInd Bank after reviewing the bank’s forex derivatives portfolio. This report only covers accounting aspects and does not point fingers or explain when the errors occurred, according to reports.

The accounting review began in October 2024, shortly after IndusInd admitted it had misreported forex derivative losses over several years. The bank is reviewing PwC’s draft and is expected to give feedback. PwC worked closely with IndusInd officials during the review process.

Separate Forensic Probe by Grant Thornton

While PwC reviewed the accounting, another firm, Grant Thornton Bharat, is conducting a forensic audit. This investigation aims to find out what caused the losses, identify who was responsible, and understand how the errors happened.

Read More Upcoming Q4FY25 Earnings This Week: IREDA, Wipro, Infosys and More Set to Release Earnings. 

IndusInd Denies Receiving PwC’s Report

In an official statement, IndusInd Bank said it had not received any report from external agencies.

“IndusInd Bank hereby clarifies that the Bank has not received the report from the external agencies who are conducting the review,” the statement read.

Background: ₹2,100 Crore Derivative Losses

The issue came to light on March 10, when the bank revealed a ₹2,100 crore loss linked to forex swap deals made between 2017 and 2024. These losses had not been recorded correctly in the books. The bank had recorded treasury gains in profits but failed to account for matching derivative losses through net interest income (NII).

As a result, IndusInd’s shares plunged 23%, and analysts estimated that the losses could reduce the bank’s net worth by ₹1,600 crore — more than the ₹1,401 crore net profit it earned in the December 2024 quarter.

Regulatory Action and Internal Shake-ups

The bank partly blamed the Reserve Bank of India’s (RBI) September 2023 rule, which banned internal trades and hedging. IndusInd stopped these practices in April 2024, but earlier losses still went unnoticed in audits.

The crisis also triggered internal changes, including the exit of CFO Gobind Jain. Over the past 2 years, CEO Sumanth Kathpalia and Deputy CEO Arun Khurana had also sold shares worth a combined ₹157 crore.

Stock Movement

After falling to a low of ₹655 on March 11, the stock has slightly recovered to ₹692 as of March 19. However, it’s still down over 53% in the last 6 months.

KPMG and EY Also Engaged

Earlier this year, IndusInd also brought in KPMG and EY to help review its internal policies and how it handled forex derivatives in its accounting books.

RBI Watching Closely

The RBI has asked IndusInd’s board to ensure accountability for the mistakes. RBI Deputy Governor J. Swaminathan said any individuals or parties responsible — whether from inside or outside the bank — must face action.

“Whenever such incidents occur, we direct the boards to ensure that proper forensic and accountability studies are carried out,” he said.

Banking System Remains Strong

Despite the issue, RBI Governor Sanjay Malhotra assured the public that India’s banking system is stable and resilient. He noted that while some cooperative banks have failed in recent years, the overall impact on the system was small.

About IndusInd Bank Limited

IndusInd Bank Limited is a Mumbai-based Indian bank offering financial services. It was founded in April 1994 and is backed by the Hinduja Group.

As of April 15 at 10:32 AM IST, IndusInd Bank share price is trading at ₹733.30, up ₹43.80 or 6.35% for the day. The stock opened at ₹705.00, hit a high of ₹733.85, and a low of ₹693.05. The bank has a market capitalisation of ₹57,190 crore, a price-to-earnings (P/E) ratio of 7.88, and offers a dividend yield of 2.25%. Over the past 52 weeks, the stock has touched a high of ₹1,557.90 and a low of ₹606.00.

Conclusion

The unfolding situation at IndusInd Bank has not only triggered regulatory scrutiny but also shaken investor confidence. With forensic audits underway and RBI demanding clear accountability, the bank’s next steps will be critical in restoring trust and ensuring transparency in its financial reporting. All eyes are now on the final audit findings and the bank’s actions to address past discrepancies and strengthen internal controls.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.   

  

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.   

NPS vs Mutual Funds in 2025: Which One’s Giving Better Returns?

With people living longer and prices rising, planning for retirement is more important than ever. In India, more investors are turning to market-linked options like the National Pension System (NPS) for better long-term returns. NPS equity funds have shown strong performance recently thanks to smart asset allocation and focus on high-growth stocks.

Top Performers Among NPS Funds

As of March 2025:

  • DSP Pension Fund gave 13.75% returns in 1 year, beating the Nifty 200 TRI, which returned just 1%. 
  • UTI Pension Fund performed well over the long term, delivering 13.47% in 3 years and 17.38% in 5 years. 
  • DSP Equity Tier I Scheme also stood out with 15.06% 1-year return, the highest among NPS equity schemes.

Other NPS Scheme Returns (Last 1 Year)

  • SBI NPS Equity Scheme: -2.12% 
  • Max Life: 0.80% 
  • UTI Pension Fund: 4.63% 
  • Kotak Pension Fund: 4.64% 
  • Aditya Birla Equity Pension Fund: 1.70%

How NPS Asset Allocation Works

NPS lets investors put up to 75% in equities, helping fund managers make the most of market trends. This flexibility allows NPS to focus on multi-cap strategies and high-growth stocks, often delivering better performance than benchmarks.

In comparison, some large-cap mutual funds, like Nippon India Large Cap Fund, offered 9.58% return in the last year. But mutual funds usually have higher expense ratios, while NPS charges are lower, typically between 0.62% and 1.02%, giving investors better long-term value.

Read More Bonus, Stock Split and Dividend This Week: Mazagon Dock, Sanofi Consumer and More. 

Tax Benefits Make NPS More Attractive

NPS also provides tax benefits under Section 80C, making it a strong choice for retirement savers. When combined with good returns and low costs, NPS becomes a solid option for wealth building with tax efficiency.

NPS vs Mutual Funds: The Verdict

In 2025, NPS equity schemes have delivered better long-term returns than many large-cap mutual funds. Some NPS funds have given over 5% more returns than the category average of mutual funds, making them a great choice for retirement-focused investors.

Two Investment Options in NPS

  1. Active Choice
     You choose how to divide your money between: 

    • Equity (E) – up to 75% 
    • Corporate Bonds (C) – up to 100% 
    • Government Securities (G) – up to 100% 
    • Alternative Investments (A) – up to 5% 
  2. Auto Choice

This adjusts your asset mix based on your age. Younger investors get more equity exposure, which reduces as they age. It’s ideal for those who prefer a low-risk, automatic investment strategy.

 

Conclusion

If you’re planning for retirement and want better long-term returns, lower costs, and tax benefits, NPS could be a better bet than mutual funds in 2025. With strong performance, flexible investment options, and growing investor trust, NPS is proving to be a smart, stable way to build your retirement corpus.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.  

 Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.  

NTPC to Add 30 GW Thermal Power by 2031-32 Amid Rising Demand

NTPC, India’s government-owned power utility, has raised its coal-based power target to 30 GW by 2031-32, up from its previous plan of 26 GW. This move comes as power demand in the country continues to rise. 

Capacity Additions in FY25 and FY26 

In FY25, NTPC added 660 MW of thermal and 3.3 GW of renewable capacity. For FY26, the company plans to add 3 GW of coal-based power and 5 GW of renewable energy. The Indian government expects power demand to cross 270 GW this summer and has announced a national plan to add 80 GW of coal capacity by 2032 while also strengthening renewable energy sources. 

Read More Bonus, Stock Split and Dividend This Week: Mazagon Dock, Sanofi Consumer and More. 

Focus on Renewable and Nuclear Energy 

NTPC has been diversifying into other energy sectors, including wind, solar, hydro, nuclear, and green chemicals like ethanol and methanol. Looking ahead, it plans to speed up its investments in renewables, nuclear power, and energy storage solutions. 

To meet India’s target of 100 GW nuclear power capacity by 2047, NTPC will build 30 GW of nuclear capacity. It is already working on 2 nuclear plants of 2.8 GW total capacity with the Nuclear Power Corporation of India—one in Madhya Pradesh and the other in Rajasthan. Currently, India has 8 GW of nuclear power, run entirely by Nuclear Power Corp. 

Global Expansion and Consultancy Plans 

NTPC recently announced a 50 MW solar power project in Sri Lanka through its JV, Trincomalee Power Company, with the Ceylon Electricity Board. It also explores similar solar projects in Africa and Saudi Arabia. 

Additionally, NTPC is in talks with South African power company Eskom for possible operations, maintenance, or consultancy services. 

Boosting Nuclear Technology and Local Manufacturing 

The company has invited global firms to collaborate on indigenising pressurised water reactor (PWR) technology, aiming to build 15 GW of nuclear power capacity using local expertise. 

NTPC Green’s Ambitious Plans 

NTPC’s renewable energy arm, NTPC Green, in partnership with ONGC Green, is focusing on battery storage, wind energy (onshore and offshore), and green chemical projects. Their joint venture, ONGC NTPC Green, recently bought 100% equity in Ayana Renewable Power for ₹6,248.50 crore. 

NTPC Green aims to develop 19 GW of renewable energy capacity by 2026-27, with an investment of around ₹1 lakh crore. 

Entry into Power Distribution 

Besides power generation, NTPC is also considering stepping into the power distribution sector in the future. 

Share Price Movement

As of April 11, 2025, NTPC share price closed at ₹359.50, up ₹10.15 or 2.91% from the previous close of ₹349.35. The stock opened at ₹351.00 and traded in a range of ₹351.00 to ₹361.50 during the day, with a volume of 1,12,44,154 shares. NTPC’s 52-week range stands between ₹292.80 and ₹448.45, and the company holds a market capitalisation of ₹3,38,171 crore.

Conclusion 

As India’s energy demand surges, NTPC is positioning itself as a key player in both conventional and green power. With large-scale investments in thermal, nuclear, and renewable energy—alongside international expansion and entry into distribution—NTPC is set to play a major role in shaping the country’s energy future. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.  

 Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.  

Nadda to Launch Ayushman Bharat Scheme During Odisha Visit on April 11 to 13

Union Health Minister J P Nadda will visit Odisha for 2 days starting from April 11 to April 13 to launch the Ayushman Bharat scheme along with other healthcare initiatives in the state.  

Launch Event in Cuttack  

Nadda will arrive in Bhubaneswar at around 1 PM and then travel to Cuttack, where he will attend an event alongside Chief Minister Mohan Charan Majhi. During this event, the Ayushman Bharat scheme, Ayushman Vaya-Vandana Yojana, and the Gopabandhu Jan Arogya Yojana (GJAY) will be officially launched, BJP state president Manmohan Samal confirmed. 

 These schemes are expected to benefit around 3.5 crore people in Odisha. The Union Minister will also inaugurate the new building of the Sardar Vallabhbhai Patel Post Graduate Institute of Pediatrics in Cuttack.  

 Read More: Ayushman Bharat Scheme: Delhi Government Begins Registration, How to Apply. 

Other Scheduled Visits  

During his visit, Nadda will also tour AIIMS Bhubaneswar and the Central Institute of Petrochemicals Engineering and Technology (CIPET).  

On April 12, 2025, he will inaugurate a 3-day training program for all BJP MPs and MLAs in Puri, which will run from April 11 evening to April 13.  

Healthcare Access Widens for 3.5 Crore Beneficiaries  

The Ayushman Bharat and GJAY schemes will benefit 3.5 crore people from 1.03 crore families in Odisha. Beneficiaries will have access to free, cashless treatment at 29,000 private and government hospitals across India. Earlier, this facility was available only in 900 hospitals.  

 The Ayushman Vaya-Vandana Yojana will cover all individuals aged 70 and above, regardless of income level.  

Conclusion  

The launch of these healthcare schemes marks a significant step toward providing better medical access in Odisha. With expanded coverage and increased funding, millions will benefit.  

  

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.    

 Investments in the securities market are subject to market risks, read all the related documents carefully before investing.