SIP Calculator: ₹5,100 Monthly for 15 Years vs ₹11,000 for 7 Years – Which Gives Better Returns?

Systematic Investment Plans (SIPs) are one of the most popular ways to build wealth over time. However, many investors face difficulty in determining the right amount to invest and the right tenure for their SIP investments.

The choice of SIP amount and tenure greatly influences the overall return. In this article, we will take a scenario-based approach to understand how to decide the amount and time for SIP investments based on individual financial goals and circumstances.

Let’s see how 2 different scenarios play out when invested at a 12% annualised return.

SIP Calculator Results: ₹5,100 Monthly for 15 Years

When you plug the numbers into a SIP calculator, here’s what you get:

  • Monthly SIP Amount: ₹5,100
  • Investment Duration: 15 years
  • Expected Rate of Return: 12% annually
  • Invested Amount: ₹9,18,000
  • Estimated Returns: ₹16,55,338
  • Total Corpus: ₹25,73,338

A relatively small monthly SIP of ₹5,100 over 15 years results in a total corpus of ₹25.73 lakh. The extended tenure significantly boosts the returns due to the power of compounding.

Open a SIP Calculator and start the calculations.

SIP Calculator Results: ₹11,000 Monthly for 7 Years

When you plug the numbers into a SIP calculator, here’s what you get:

  • Monthly SIP Amount: ₹11,000
  • Investment Duration: 7 years
  • Expected Rate of Return: 12% annually
  • Invested Amount: ₹9,24,000
  • Estimated Returns: ₹5,27,769
  • Total Corpus: ₹14,51,769

Investing ₹11,000 monthly for 7 years results in a corpus of ₹14.51 lakh. While this option involves a higher monthly contribution, the shorter tenure limits the potential returns compared to the longer duration in Scenario 1.

Which Works Best?

  • Best for Long-Term Growth: ₹5,100 SIP for 15 Years – The power of compounding works best over a long duration. Even with a smaller monthly SIP, the 15-year tenure results in the highest total corpus.
  • Best for Mid-Term Goals: ₹11,000 SIP for 7 Years – This is a good balance between investment amount and time. However, the shorter duration limits the returns compared to a longer tenure.

Conclusion

The 15-year SIP with ₹5,100 monthly offers the best potential due to the long compounding period. However, if you’re working towards medium or short-term goals and can afford higher monthly contributions, the ₹11,000 for 7 years might be more suitable.

In all cases, starting early and staying disciplined with SIP investments will help you reach your financial goals, whether they are long-term or short-term. The key takeaway is that longer investment periods allow for more compounding and growth.

Ensure steady returns with systematic withdrawals! Estimate your withdrawals with our SWP Calculator and manage your finances seamlessly.

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.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

Top Gainers and Losers on May 7, 2025: Tata Motors Gains, Asian Paints Drops

On May 7, 2025, Indian benchmark indices ended with slight gains amid market volatility due to recent geopolitical developments. The BSE Sensex closed at 80,746.78, up by 105.71 points (+0.13%), while the NSE Nifty 50 ended at 24,414.40, gaining 34.80 points (+0.14%).

The heightened volatility came after missile strikes by the Indian armed forces on terror targets in Pakistan and Pakistan-Occupied Kashmir (PoK) as part of ‘Operation Sindoor’. These strikes targeted 9 sites in retaliation for the recent Pahalgam terror attack.

Here are the top gainers and losers for the day:

Top Gainers of the Day

Symbol LTP Change (%)
TATAMOTORS 681.8 5.18
JIOFIN 256.5 2.11
BAJFINANCE 8,977.00 2.04
SHRIRAMFIN 635 1.85
ETERNAL 236.48 1.65

1. Tata Motors

The stock opened at ₹642, moved between ₹641.15 and ₹682.50, and closed at ₹681.80.

2. Jio Financial Services (JIOFIN)

The stock opened at ₹245.05, reached a high of ₹256.70, and closed at ₹256.50.

3. Bajaj Finance

Bajaj Finance opened at ₹8,750.00, hit a low of ₹8,723, and ended the day at ₹8,977.

4. Shriram Finance

Shriram Finance traded between ₹617.25 and ₹638.00 before closing at ₹635.00.

5. Eternal

Eternal opened at ₹228.60, peaked at ₹237.67, and closed at ₹236.48.

Top Losers of the Day

Symbol LTP Change (%)
ASIANPAINT 2,322.00 -3.97
SUNPHARMA 1,780.90 -2.1
BAJAJ-AUTO 7,845.00 -1.26
ITC 430.15 -1.24
GRASIM 2,697.70 -1.14

1. Asian Paints

The stock opened at ₹2,388.00, moved between ₹2,318.50 and ₹2,405.70, and closed at ₹2,322.00.

2. Sun Pharma

The stock opened at ₹1,817.90 and ended the day at ₹1,780.90, having traded between ₹1,778.70 and ₹1,826.40.

3. Bajaj Auto

Bajaj Auto opened at ₹7,915.50, reached a high of ₹7,978, and closed at ₹7,845.

4. ITC

The stock opened at ₹433.40 and closed at ₹430.15, with an intraday range between ₹429.70 and ₹435.00.

5 .Grasim

Grasim opened at ₹2,699, hit a low of ₹2,682.40, and closed at ₹2,697.70.

Conclusion

On May 7, 2025, Indian markets showed signs of recovery despite the geopolitical tensions, with select stocks like Tata Motors and Jio Financial Services performing well. However, Asian Paints, Sun Pharma, and other heavyweights saw some profit booking, contributing to the mixed market sentiment.

 

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.

What Is the Retirement Age for Judges Under the Central Government in India?

The judiciary in India holds a vital position in ensuring justice, maintaining constitutional balance, and safeguarding the rule of law. Among various aspects of judicial service, the retirement age of judges is a significant parameter, influencing judicial continuity, experience retention, and institutional efficiency.

Under the Central Government framework, the retirement age for judges varies depending on the level and nature of the court or tribunal.

Retirement Age of Supreme Court Judges

Judges of the Supreme Court of India retire at the age of 65 years.
This is stipulated under Article 124(2) of the Constitution of India. Once a Supreme Court judge reaches the age of 65, their tenure ends, and there is no provision for extension beyond this age.

Retirement Age of High Court Judges

Judges serving in any High Court retire at the age of 62 years, as outlined in Article 217(1) of the Constitution. There has been considerable discussion on increasing this age to 65 to bring parity with the Supreme Court and address the issue of judge shortages in High Courts. However, no constitutional amendment has been enacted so far to implement this change.

Retirement Age in Central Tribunals and Quasi-Judicial Bodies

For judges and members serving in tribunals and quasi-judicial bodies under the Central Government, the retirement age is determined by the statute governing the respective body. Examples include:

1. National Company Law Tribunal (NCLT)

  • Judicial Members: 65 years
  • Technical Members: 62 years

2. Central Administrative Tribunal (CAT)

  • Members retire at 65 years

3. National Green Tribunal (NGT)

  • Chairperson: 70 years
  • Judicial and Expert Members: 67 years

These age limits are subject to change based on amendments in the respective laws and government notifications.

Read More: What is the Retirement Age for Central Government Scientists in India?

Importance of Retirement Age in the Judiciary

Retirement age in the judiciary is not just an administrative measure; it impacts:

  • Continuity and renewal of judicial perspectives
  • Availability of experienced judges for higher roles
  • Workload management across the judicial system

It also opens up post-retirement opportunities for experienced judges, who often serve on commissions, tribunals, or inquiry committees.

Ongoing Debates and Recommendations

There have been long-standing recommendations, including from the Law Commission, to increase the retirement age of High Court judges to 65 years. This proposal aims to reduce the disparity between High Courts and the Supreme Court and improve the availability of experienced judicial talent. However, implementation would require a constitutional amendment, which has not yet been passed.

Read More: Check the Retirement Age of Employees From Different Sectors- Government Doctors, Teachers, and More.

Conclusion

While these age limits are constitutionally or statutorily defined, discussions around uniformity, judicial vacancies, and systemic efficiency continue to shape this aspect of judicial reform.

 

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.

Best Drone Stocks in India in May 2025: Zen Tech, RattanIndia, HAL and More – 5Yr CAGR Basis

As India strengthens its focus on technological advancement and self-reliance in defence, the domestic drone industry continues to see strong momentum. 

The Ministry of Electronics and IT, along with Drone Federation of India, launched the NIDAR challenge under the SwaYaan program to promote research and skill development.

With applications ranging from military to logistics and agriculture, drone-related companies are benefiting from both government support and rising investor interest.

In this blog, we explore the top drone stocks in India as of May 2025, ranked by their 5-year compound annual growth rate (CAGR) and other key financial metrics.

Best Drone Stock in May 2025 Based on 5-Year CAGR

Company Sub-Sector Market Cap (₹ Cr) PE Ratio ↓5Y CAGR
Zen Technologies Ltd Electronic Equipments 12,240.03 95.71 105.89
Rattanindia Enterprises Ltd Power Trading & Consultancy 5,639.54 13.23 92.38
Hindustan Aeronautics Ltd Aerospace & Defence Equipments 3,01,450.33 39.55 77.97
Bharat Electronics Ltd Electronic Equipments 2,26,968.63 56.96 71.06
Honeywell Automation India Ltd Electronic Equipments 30,830.39 61.49 5.21

Note: The best drone stocks list, sorted based on the 5-year compound annual growth rate (CAGR), is as of May 7, 2025.

Overview of Best Drone Stocks in May 2025

1. Zen Technologies Limited

Zen Technologies Limited, founded in 1996, focuses on creating combat training systems and anti-drone technologies for defence and security forces. In Q3 FY25, the company posted a net profit of ₹38.62 crore, reflecting a 22% rise compared to ₹31.67 crore in the same quarter last year.

Recently, Zen Technologies received a ₹152 crore order from the Ministry of Defence to deliver an Integrated Air Defence Combat Simulator (IADCS) designed for the L70 gun system.

Key metrics: 

  • ROCE: 39.21%
  • ROE: 32.11%

 

2. RattanIndia Enterprises Limited

RattanIndia Enterprises Limited, the leading entity of the RattanIndia Group, operates across various technology-driven sectors including e-commerce, electric mobility, drones, and financial technology. Its key business arms comprise Cocoblu Retail, Revolt Motors, Neobrands, NeoSky India, Wefin, and Throttle Aerospace Systems.

In Q3 FY25, the company reported a consolidated net loss of ₹170.4 crore for the December 2024 quarter, a sharp reversal from the ₹187.3 crore profit it posted during the same period the previous year.

Key metrics: 

  • ROCE: 63.45%
  • ROE: 67.54%

 

3. Hindustan Aeronautics

Hindustan Aeronautics Limited (HAL), one of the world’s largest aerospace and defence companies, was founded in 1940 by Walchand Hirachand. 

Hindustan Aeronautics Limited (HAL) reported provisional revenue of ₹30,400 crore for the fiscal year ending March 31, 2025, despite delays in delivering its Light Combat Aircraft (LCA) and Advanced Light Helicopter (ALH). During FY25, the company also bagged fresh manufacturing contracts worth ₹1.02 lakh crore and ROH agreements totalling ₹17,500 crore.

Key metrics: 

  • ROCE: 24.58%
  • ROE: 28.91%

 

4. Bharat Electronics Ltd

Bharat Electronics Limited (BEL), a government-owned enterprise under the Ministry of Defence, founded in 1954, produces a range of defence electronics, including radars and communication systems, as well as civilian products like telecom equipment, medical devices, and electronic voting machines. 

In FY25, BEL secured orders amounting to ₹18,715 crore, falling short of its initial target of ₹25,000 crore.

Key metrics: 

  • ROCE: 30.17%
  • ROE: 26.37%

Best Drone Stock in May 2025 Based on Net Profit Margin

Company Sub-Sector Market Cap (₹ Cr) PE Ratio ↓5Y CAGR Net Profit Margin (%)
Zen Technologies Ltd Electronic Equipments 12,240.03 95.71 105.89 27.97
Hindustan Aeronautics Ltd Aerospace & Defence Equipments 3,01,450.33 39.55 77.97 23.59
Bharat Electronics Ltd Electronic Equipments 2,26,968.63 56.96 71.06 19.03
Honeywell Automation India Ltd Electronic Equipments 30,830.39 61.49 5.21 11.94
Rattanindia Enterprises Ltd Power Trading & Consultancy 5,639.54 13.23 92.38 6.88

Note: The best drone stocks list here is as of May 7, 2025. The stocks are sorted based on the Net Profit Margin. 

Best Drone Stocks in May 2025- Based on Debt to Equity Ratio

Company Sub-Sector Market Cap (₹ Cr) PE Ratio ↓5Y CAGR Debt to Equity
Hindustan Aeronautics Ltd Aerospace & Defence Equipments 3,01,450.33 39.55 77.97 0
Bharat Electronics Ltd Electronic Equipments 2,26,968.63 56.96 71.06 0
Zen Technologies Ltd Electronic Equipments 12,240.03 95.71 105.89 0.01
Honeywell Automation India Ltd Electronic Equipments 30,830.39 61.49 5.21 0.02
Rattanindia Enterprises Ltd Power Trading & Consultancy 5,639.54 13.23 92.38 1.4

Note: The best drone stocks list here is as of May 7, 2025. The stocks are sorted based on the debt-to-equity ratio. 

Read More: Best Lab-Grown Diamond Stocks in May 2025: Sky Gold, Senco and More – 5 yr CAGR Basis.

Conclusion

With government support and rising demand across commercial and defence segments, the listed companies offer promising opportunities for investors.

As of May 2025, these stocks stand out based on growth, profitability, and capital structure. Investors looking for exposure to India’s high-growth tech-defence ecosystem should keep a close eye on developments in this space.

 

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.

ITR Filing FY26: Is Dearness Allowance (DA) Taxable?

Dearness Allowance (DA) plays a crucial role in the salary structure of government employees and pensioners, especially in the face of inflation. For those filing their income tax returns for FY 2025–26, it’s important to understand how DA is treated under the Income Tax Act and what recent changes may affect your taxable income.

What is Dearness Allowance (DA)?

DA is a cost-of-living adjustment paid to employees of the government and public sector undertakings. It helps mitigate the impact of inflation on take-home pay and is calculated as a percentage of the basic salary. The government revises DA twice annually based on the Consumer Price Index (CPI).

Recent Update on DA Rates

Effective January 1, 2025, the DA rate for central government employees was increased from 53% to 55%. Similarly, Dearness Relief (DR) for central government pensioners has been increased by 4%, bringing it up to 50%.

To illustrate: if a government employee earns a basic monthly salary of ₹45,700, their DA at 53% would have been ₹24,221. With the new 55% rate, DA increases to ₹25,135, resulting in an extra ₹914 in their monthly salary.

Is DA Taxable?

Yes, dearness allowance is fully taxable for salaried individuals. It must be separately reported while filing income tax returns. When the employee receives rent-free unfurnished accommodation, DA is also considered while calculating retirement benefits, provided certain conditions are met.

Tax Treatment for Pensioners

Pensioners receiving central government pensions are also entitled to DA, which is revised in tandem with salary changes for serving employees. However, re-employed pensioners generally do not receive DA, unless the re-employment is on a time-scale or fixed-pay basis, and only up to their last drawn salary.

Notably, pensioners living abroad without re-employment are eligible for DA, while those re-employed overseas are not.

Read More: ITR Filing 2025: What 80C, 80D, and 24B Mean for Your ITR.

Conclusion

As DA forms a significant part of the compensation for public sector employees and pensioners, it’s vital to understand its tax implications during income tax filing. For FY 2025–26, ensure that DA is reported accurately in your return to avoid discrepancies and make use of the latest allowances as announced by the government.

 

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.

Bandhan AMC Begins GIFT City Operations, Launches 3 India-Focused Funds for Global Investors

Bandhan Asset Management Company (AMC) has officially commenced operations at GIFT City, Gujarat, through its IFSC (International Financial Services Centre) branch, expanding its global footprint.  

As part of this strategic move, the fund house has introduced three new India-focused feeder funds, giving international investors including NRIs, family offices, pension funds, and institutional investors a gateway into India’s growth story. 

Three New Fund Offerings for Global Participants 

Investors can now choose between equity and fixed income strategies tailored to varying risk appetites. The equity-oriented options include the Bandhan India Large and Mid-Cap Fund and the Bandhan India Small Cap Fund, while those seeking a more conservative investment path can opt for the Bandhan India Government Securities Fund. 

The equity funds aim to capitalise on India’s robust long-term growth, while the debt fund offers a safer route backed by sovereign securities. According to Bandhan AMC, these funds also serve as a tax-efficient option for global investors looking to enter Indian markets via a well-regulated and credible channel. 

Why GIFT City and Why Now? 

Commenting on the launch, Vishal Kapoor, CEO of Bandhan AMC, noted that long-term investors have increasingly embraced Indian mutual funds as a means of wealth creation. “With our new offerings in GIFT City, we are enabling global investors who may have been on the sidelines to participate in India’s high-growth potential, whether through equities or secure government bonds,” Kapoor said. 

Details on the Feeder Funds 

  • Bandhan India Large and Mid-Cap Fund (IFSC) feeds into the Bandhan Core Equity Fund. This fund targets high-growth sectors aligned with GDP expansion and had an AUM of USD 995 million as of April 30, 2025. 
  • Bandhan India Small Cap Fund (IFSC) invests in the Bandhan Small Cap Fund. With a diversified sectoral approach to balance liquidity and risk, it held an AUM of USD 1.21 billion as of the same date. 

Bandhan AMC’s Position in the Market 

With a total AUM of USD 20 billion, Bandhan AMC continues to be one of India’s top-performing asset managers. The latest launch not only strengthens its global reach but also reaffirms its commitment to delivering value through deep market expertise and a strong domestic track record. 

Read More: SEBI Nears First SIF Approvals – Here’s Why They Could Reshape India’s Mutual Fund Landscape. 

Conclusion 

The expansion into GIFT City marks a significant milestone for Bandhan AMC, offering international investors simplified access to India’s capital markets. With equity and debt options now available via a globally accessible platform, Bandhan AMC is well-positioned to serve both growth seeking and risk averse global clients. 

Curious about your SBI SIP returns? Get accurate estimates of your investment growth using our SBI SIP Calculator and stay ahead of your financial goals.

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. 

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

IDBI Share Price in Focus as Government Plans to Conclude Stake Sale by End-2025

IDBI Bank shares traded in the green on May 7, 2025, with the stock rising 0.87% to touch an intraday high of ₹78.50 at 11:30 AM on the NSE. The scrip opened at ₹76.00, marginally lower than its previous close of ₹77.79, but gained momentum during the session to reach near its day’s high of ₹78.47. 

Strategic Disinvestment Timeline Confirmed

The spotlight is back on IDBI Bank as the government, along with the Life Insurance Corporation of India (LIC), is set to complete the strategic disinvestment of its majority stake in the lender by the end of 2025.  

Nagaraju, Secretary of the Department of Financial Services (DFS), confirmed the timeline during an event on May 5, marking progress in one of the most significant divestment efforts of the year.

Breakdown of the Stake Sale

The Centre and LIC collectively plan to offload 61% of their holding in IDBI Bank split between the government’s 30.48% and LIC’s 30.24%. This stake sale is expected to be a key contributor to the central government’s disinvestment and asset monetisation target of ₹47,000 crore for the financial year 2025–26. 

Due Diligence and Procedural Progress

The strategic sale process, which began receiving expressions of interest (EoIs) as early as January 2023, has moved into the due diligence phase. Shortlisted bidders are now reviewing the bank’s assets and operations, with data room access and asset valuation already underway, according to Arunish Chawla, Secretary of the Department of Investment and Public Asset Management (DIPAM). 

Market Implications and Investor Outlook

IDBI Bank’s share price could see increased investor interest in the coming months, driven by the anticipated conclusion of the transaction and the broader push toward banking sector reform. If successful, this divestment will not only help meet fiscal targets but also mark a key step in reducing government presence in the financial sector. 

Read More: Best Bank Stocks in May 2025: Indian Bank, Jammu and Kashmir Bank and More – Based on 5Y CAGR. 

Conclusion

With the IDBI stake sale now approaching its final stages, the market will be closely watching for updates. The outcome could shape investor sentiment around both public sector banks and future disinvestment initiatives. 

 

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. 

 

Pakistan’s KSE-100 Crashes 5% at Open Following Operation Sindoor

Pakistan’s Karachi Stock Exchange faced a sharp sell-off on May 7, 2025, as the benchmark KSE-100 index opened nearly 5.7% lower its steepest single-day drop since 2021. This significant fall followed targeted military strikes by India on terror infrastructure across the border, triggering heightened geopolitical tensions in the region.

Although the index trimmed some of its early losses, the damage to market sentiment was already done.

April Selloff Caps Worst Month Since 2023

The Karachi Stock Exchange had already seen a 6% decline in April, marking its worst monthly performance since August 2023. Despite a strong performance in 2024, where the index surged over 86%, and a 25% gain in 2023, the recent escalation has disrupted the market’s recovery trajectory.

Geopolitical Pressures Shake Investor Confidence

The KSE-100’s plunge reflects broader investor concerns over regional stability. The sharp correction follows a period of optimism driven by favourable macroeconomic indicators and an improved sovereign credit rating. Global investors, including firms like BlackRock and Eaton Vance, had recently increased their exposure to Pakistan’s $50 billion equity market, lured by last year’s record-breaking returns—the highest in over two decades.

Fundamentals Were Improving Until Now

Pakistan’s stock market gains had been underpinned by positive economic reforms, a successful International Monetary Fund (IMF) bailout package, and softening global oil prices. Improved current account figures and easing inflation had provided room for cautious optimism. But the latest developments have added layers of uncertainty.

Structural Challenges Persist

Despite prior gains, Pakistan continues to face fiscal headwinds. Experts point to the country’s unstable political climate and its recent failure to meet a six-month tax collection target falling short by 6% as red flags.

This could potentially delay further disbursements from its $7 billion IMF program. Additionally, the September 2024 downgrade of Pakistan to “frontier market” status by the FTSE Russell has already weakened foreign investor confidence, contributing to sustained capital outflows in late 2024.

Indian Markets Hold Steady

In contrast, India’s benchmark indices, the Sensex and Nifty 50, opened only slightly lower, suggesting that domestic investors are pricing in a limited spillover from the cross-border tensions.

Read More: Defence Stocks HAL, BDL, Cochin Shipyard and More Soared After Operation Sindoor.

Conclusion

The sharp fall in Pakistan’s stock market underscores the fragility of investor sentiment in the face of geopolitical instability. While recent reforms had painted a promising picture for Pakistan’s economy, rising tensions with India and persistent structural challenges have reignited uncertainty.

Investors will be closely watching how the situation unfolds, as the market recalibrates expectations in light of both external and internal pressures.

 

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.

India’s EV Fleet Could Hit 123 Million by 2032

India’s electric vehicle (EV) journey is accelerating rapidly, and if the current momentum is sustained, the country could see up to 123 million EVs on its roads by 2032, according to a joint report by the India Energy Storage Alliance (IESA) and Customised Energy Solutions (CES). This growth supports India’s larger climate objectives and could significantly reshape the nation’s energy and transport landscape.

A Key Step Toward Net Zero

India has committed to achieving net zero carbon emissions by 2070, and EV adoption plays a critical role in that path. The report, “India Electric Vehicle Charging Infrastructure Market Overview,” outlines three scenarios for EV growth by 2032:

  • Worst Case: 49 million EVs
  • Business-as-Usual (BAU): 60 million EVs
  • National EV Targets (NEV) Scenario: 123 million EVs

The NEV scenario aligns with India’s EV30@30 ambition and NITI Aayog’s vision, aiming for:

  • 80% penetration in two- and three-wheelers
  • 30% in private four-wheelers
  • 70% in commercial four-wheelers
  • 40% in electric buses

Two- and Three-Wheelers Leading the Charge

As of 2024, over 93% of India’s on-road EV stock consisted of electric two- and three-wheelers, showcasing strong adoption in these segments due to affordability and daily usability. In contrast:

  • Electric four-wheelers accounted for ~6%.
  • Electric buses and trucks made up less than 1%.

Read More:15-Minute EV Charging Is Here: Exponent Energy Powers the Electric Vehicle Future.

E4W Segment and the Rise of Home Charging

The personal electric four-wheeler (E4W) market, while smaller in volume, is pivotal in building out the private charging ecosystem. There were approximately:

  • 220,000 personal E4Ws in 2024
  • 320,000 private Type-2 AC chargers, mostly in residential setups

Charging infrastructure breakdown (2024):

  • 70% were 3.3 kW chargers
  • 28% were 7.4 kW
  • Remaining were high-capacity 11–22 kW units

Charging Infrastructure Must Grow 12–28x

India’s charging infrastructure will need exponential growth to meet demand:

  • From 76,000 cumulative charging points in 2024
  • To 0.9–2.1 million by 2032 (public + captive)
  • Charging capacity must scale from 1.3 GW to 23 GW, a 17x increase

This expansion will be especially crucial for segments like electric buses and trucks, which require high-power DC fast charging.

Heavy EV Segments: Buses and Trucks on the Horizon

The report forecasts a rise in electric commercial vehicles by 2032:

  • Electric four-wheelers: up to 10 million
  • Electric buses and trucks: up to 1.1 million

These vehicles will play a vital role in reducing emissions from freight and public transport while driving demand for large-scale charging solutions.

Policy & Investment: The Road Ahead

India’s EV growth is strongly supported by initiatives such as:

  • FAME-II Scheme: Incentives for 2W, 3W, and 4W EVs
  • Capital subsidies for public charging infrastructure
  • Long-term goals under the National Electric Mobility Mission Plan (NEMMP)

Experts emphasize that with continued policy support, strategic investments, and technological advancements, India is well-positioned to become a global leader in electric mobility, balancing economic growth with environmental sustainability.

Conclusion

The road to 123 million EVs by 2032 is ambitious, but not out of reach. With clear national targets, active policy support, and a rapidly evolving charging infrastructure ecosystem, India’s transition to electric mobility appears firmly underway. Stakeholders across industry, government, and finance will play a central role in ensuring the EV revolution is both inclusive and scalable.

 

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.

BSE Shares Up 6% After Q4 FY25 Pat Jumps 362%; Check What’s Announced on Dividend, Record Date

India’s oldest stock exchange, BSE, reported a 362% year-on-year increase in net profit for the March quarter of FY25, drawing attention from market participants. Despite a 3.15% decline in share price on Tuesday, closing at ₹6,250 on the NSE, the results and dividend announcement have generated investor interest.

Q4 FY25 Performance Overview

BSE’s financial performance for Q4FY25 reflected higher transaction volumes and improved cost efficiencies:

  • Net Profit: ₹494 crore (vs. ₹107 crore in Q4FY24).
  • Revenue from Operations: ₹847 crore, up 75% YoY.
  • Operating EBITDA: ₹594 crore (vs. ₹95.7 crore YoY).
  • EBITDA Margin: 70%.

A key contributor to the earnings growth was a 112% rise in transaction charges, which reached ₹612 crore, reflecting increased market activity and retail participation.

Dividend Announcement: Record Date Set

To mark its 150th anniversary, BSE’s board declared a special dividend of ₹5 per share, in addition to a regular dividend of ₹18, resulting in a total dividend of ₹23 per share.

  • Record Date: May 14
  • Payout Date: On or before September 18

Other Financial Indicators

  • Profit Before Tax: ₹659 crore (vs. ₹153 crore YoY).
  • Operating Expenses: ₹392 crore (down from ₹415 crore).
  • Treasury Income: ₹44.3 crore (vs. ₹58 crore YoY).
  • Investment Income: ₹70 crore (up from ₹55.2 crore in Q3).

Share Price Performance

BSE Limited emerged among the top gainers in early trading, reflecting strong investor interest following its recent Q4 FY25 earnings announcement. The stock opened at ₹6,370, significantly higher than its previous close of ₹6,245, and surged to an intraday high of ₹6,666.50 marking a gain of ₹336 or 5.38%.

Outlook and Strategy

The company highlighted continued focus on product innovation and growing market share across segments. Management noted that rising household financial savings and disposable incomes could support further participation in capital markets.

“Focus on innovation and launch of unique products across segments,” the company said in its official statement.

Read More: BSE Announces 2:1 Bonus – A Look Back at Its Bonus History.

Conclusion

BSE’s sharp rise in Q4 FY25 profit, supported by increased market activity and operational efficiency, has positioned the exchange prominently in investor discussions. The announcement of a ₹23 per share dividend, with a record date of May 14, adds further appeal for shareholders. With strategic focus on innovation and expanding participation, BSE appears poised for continued growth in a dynamic market environment.

 

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