How to Plan a Europe Trip in 2 Years with ₹5,000 SIP per Month?

Europe is one of the most sought-after travel destinations for Indians, with its rich culture, history, and diverse landscapes. Whether it’s exploring the romantic streets of Paris, admiring art in Florence, or relaxing on the beaches of the Greek Islands, a European vacation offers an unforgettable experience. However, planning a trip to Europe can be costly, and many people struggle to figure out how to save for such an expensive adventure. 

If you are planning to save money, using a Systematic Investment Plan (SIP), then let’s break down how much you need to save for a European vacation and how to estimate your SIP amount to fund your journey. 

Estimate Your Travel Budget 

Before we calculate how much you need to invest, let’s start by estimating the costs of a typical Europe tour. The total expenses can vary depending on the countries you plan to visit, your style of travel, and the length of your stay. 

Here’s a rough estimate for a 10-15 day trip for one person: 

  • Flights: Round-trip flights from India to Europe generally range from ₹40,000 to ₹70,000, depending on the time of booking and the airline. 
  • Accommodation: Budget accommodations (hostels, guesthouses, or 3-star hotels) can cost ₹3,000 to ₹7,000 per night. A 14-day stay would cost you around ₹42,000 to ₹98,000. 
  • Food: If you plan to eat at mid-range restaurants, expect to spend around ₹1,000–₹2,000 per day, which would total ₹14,000–₹28,000 for 14 days. 
  • Local Travel: Public transport costs can range from ₹500 to ₹1,500 per day, depending on the cities you visit. For 14 days, this would add up to ₹7,000–₹21,000. 
  • Sightseeing and Miscellaneous: Museums, tours, and other attractions typically cost ₹2,000–₹5,000 per day. Over 14 days, this could amount to ₹28,000–₹70,000. 
  • Shopping and Souvenirs: This can vary widely depending on your interests, but a reasonable estimate for shopping would be ₹15,000–₹25,000. 

Thus, the estimated cost for a 14-day trip to Europe would be: 

  • Low Budget: ₹1,00,000–₹1,50,000 
  • Mid-range Budget: ₹1,75,000–₹2,50,000 
  • Luxury Budget: ₹2,50,000–₹4,00,000 

How to Estimate Your SIP Requirements? 

Now that you know the potential costs, let’s calculate how much you need to save monthly through an SIP to fund your dream Europe vacation. 

Assume you want to go on your trip in 2 years (24 months). Using an average return rate of 10% per annum, here’s how much you’ll need to invest per month to reach different budget levels. 

For a Low Budget (₹1,00,000 – ₹1,50,000) 

  • Target Amount: ₹1,25,000 (an average of ₹1,00,000–₹1,50,000) 
  • Time Frame: 24 months 
  • Expected Return: 10% per annum 

In this case, if you invest ₹5,000 per month in an SIP, for 2 years at a return rate of 10% per annum, the total value of your investment after 2 years could be ₹1,33,337.  

For a Mid-range Budget (₹1,75,000 – ₹2,50,000) 

  • Target Amount: ₹2,00,000 (an average of ₹1,75,000–₹2,50,000) 
  • Time Frame: 24 months 
  • Expected Return: 10% per annum 

To reach this target, you would need to invest around ₹7,500–₹8,000 per month, where your total value of your investment will be ₹2,00,005 – ₹2,13,338. 

For a Luxury Budget (₹2,50,000 – ₹4,00,000) 

  • Target Amount: ₹3,25,000 (an average of ₹2,50,000–₹4,00,000) 
  • Time Frame: 24 months 
  • Expected Return: 10% per annum 

For this higher budget, you would need to invest around ₹12,000–₹14,000 per month. 

You can use an SIP Calculator to determine the monthly investment required to reach your travel budget, based on your expected returns and investment duration.  

If you start planning a few years in advance, you can reduce the monthly SIP amount. For example, for a 3-year (36 months) time frame, you could reduce the monthly investment by around 30-40%, making it more affordable. For a ₹2,00,000 target, you would only need to invest around ₹5,000–₹6,000 per month. 

Also Read: Can SIPs Help You Save ₹25 Lakh in 10 Yrs for Your Child’s Education? 

Final Thoughts 

Planning a Europe trip doesn’t have to be overwhelming. By breaking down your expenses and estimating the monthly SIP amounts, you can make the dream vacation financially feasible. Whether you opt for a low-budget trip or a more luxurious experience, setting up an SIP early on ensures that you save regularly and earn returns on your investments. 

 

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. 

 

 

Is Bajaj Finance a Fundamentally Strong Share? An Overview of Financial Health and Growth Prospects

Bajaj Finance Ltd is a player in India’s financial services sector. Over the years, the company has demonstrated its performance in various business segments. However, as with any investment, a closer look at its financial health, business model, and market positioning is crucial before making a decision. 

Financial Performance & Growth 

In Q3 FY25, Bajaj Finance reported growth across several key metrics. The number of new loans booked reached an all-time high of 12.06 million, marking a 22% increase from 9.86 million in Q3 FY24. The company’s customer franchise also saw significant expansion, growing by 21% to 97.12 million as of 31 December 2024, compared to 80.41 million in the same period last year.  

Additionally, Assets Under Management (AUM) grew by 28% to ₹398,043 crore, up from ₹310,968 crore in Q3 FY24. The company’s net income increased by 23% to ₹9,382 crore, reflecting strong financial health. 

Bajaj Finance’s profit after tax (PAT) grew by 18% to ₹4,308 crore in Q3 FY25, compared to ₹3,639 crore in the same quarter of the previous year. The capital adequacy ratio (CRAR) stood at a healthy 21.57%, with Tier-I capital at 20.79%, reinforcing the company’s financial stability. 

On a standalone basis, Bajaj Finance continued its performance, with AUM growing by 26% to ₹2,93,370 crore as of 31 December 2024. Net interest income increased by 22% to ₹8,500 crore, while total income rose by 25% to ₹10,617 crore. Profit after tax (PAT) on a standalone basis rose by 17% to ₹3,706 crore from ₹3,177 crore in the corresponding period of the previous year, highlighting the company’s continued operational efficiency and profitability. 

As of April 25, 2025, the 5Y CAGR of the company stands at 36.31% and 1Y returns at 26.90%.  

Bajaj Finance Share Price Performance 

Looking at the stock price performance, on April 25, 2025, Bajaj Finance share price (NSE: BAJFINANCE) opened at ₹9,310.50, touching the day’s high so far at ₹9,344.50 and day’s low at ₹8,990.00, as of 11:39 AM on the NSE. The market cap of the company stood at ₹5,62,517.22 crore, positioning it as one of the Nifty 50 stocks.  

The stock price hit its 52-week high recently on April 24, 2025, at ₹9,660.00. 

Key Financial Metrics 

When evaluating Bajaj Finance, key financial ratios are important for understanding its operational efficiency and profitability.  

  • Return on Equity (ROE): 22.05% 
  • Return on Capital Employed (ROCE): 5.65% 
  • Price-to-Earnings (P/E) Ratio: 36.02 
  • Price-to-Book (P/B) Ratio: 7.53 
  • Dividend Yield: 0.39% 
  • Debt to Equity Ratio: 3.82% 

Also Read: Bajaj Housing Finance PAT Surges 54% in Q4 FY25!

Conclusion 

Recently, the company announced that the Board of Directors of the company will convene on April 29, 2025, to consider a special (interim) dividend for the financial year 2024-25. Additionally, they will review proposals, subject to shareholder approval, for the sub-division of the existing equity shares with a face value of ₹2 each and the issuance of bonus shares.  

Now market watchers will closely monitor the company’s fundamentals, including its financial performance and the proposed corporate actions, such as the interim dividend, share split, and bonus issue. These developments, along with the company’s share price movement, will be key indicators for investors assessing the stock’s future potential. 

As with any investment decision, it is essential to perform thorough due diligence, considering both the company’s potential and the risks involved, to determine if it aligns with your investment goals and risk tolerance. 

 

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. 

 

Senco to Operate All Melorra Stores Under New Agreement

In a key strategic move aimed at expanding its retail footprint and enhancing brand offerings, Senco Gold Ltd has signed a Master Franchise Agreement with August Jewellery Private Limited (AJPL), the parent company of the omnichannel jewellery brand Melorra.  

This partnership is set to open new growth avenues for Senco in the fast-evolving branded jewellery market, particularly in the youth and Gen Z segment. 

Master Franchise Structure and Store Integration 

As per the agreement, Senco becomes the exclusive Master Franchisee of Melorra. All existing Company Owned & Company Operated (COCO) stores of Melorra will now be managed by Senco as a franchisee.  

Additionally, Melorra’s existing Franchisee Owned & Franchisee Operated (FOFO) and Franchisee Owned Company Operated (FOCO) outlets will now function as sub-franchisees under Senco. Furthermore, Senco gains the exclusive right to open new franchise stores, strengthening its position in the branded jewellery segment. 

Exclusive Melorra Product Offering and Tenure 

The stores under this arrangement will exclusively retail Melorra products, reinforcing brand focus and identity. The current tenure of the agreement extends until September 30, 2025, with Senco responsible for all commercial implications of existing franchise agreements. 

Strategic Rationale and Expected Gains 

This collaboration is expected to provide Senco access to over 20 Melorra stores, while helping it tap into younger demographics with high brand recall. Importantly, the move is likely to drive incremental sales of high-margin diamond jewellery, thereby strengthening Senco’s product mix and profitability. 

Senco Gold Share Price Performance 

On April 25, 2025, Senco share price opened at ₹389.50, up from its previous close of ₹384.95. At 1:19 PM, the share price of Senco was trading at ₹372.45, down by 3.25% on the NSE. 

About Senco Gold Ltd 

Senco Gold Limited was incorporated in 1994. It is a Pan-India jewellery retailer and, based on the number of stores, it is the largest organised jewellery retail player in the Eastern region of India. 

Also Read: How to Get VAT Refund When Buying Gold From Dubai Gold Souk? 

Conclusion 

This strategic alliance marks a forward-looking step for Senco Gold, enabling it to leverage Melorra’s brand equity and digital-first approach. With access to a broader customer base and retail network, Senco is well-positioned to accelerate growth and enhance value in the premium jewellery 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.

Dubai Gold Rate: What Is the Price of 22K and 24K Gold in Dubai Today, April 25, 2025?

Gold prices in Dubai change daily, influenced by global market trends, geopolitical developments, and currency fluctuations. Whether you’re looking to invest, buy jewellery, or simply stay updated, tracking these price movements can help you make smarter financial decisions. 

Here’s a look at today’s gold prices in Dubai.  

Dubai Gold Rate Comparison: Today vs. Previous Session 

The table below reflects Dubai gold rates per gram for April 25, 2025, as of 12:38 PM IST, and compares them with the rates from the previous day. All values are in AED. 

Type  Per Gram  Per 10 Grams  Yesterday (Per Gram) 
24 Carat  397.25  3,972.5  403.00 
22 Carat  367.75  3,677.5  373.00 
21 Carat  352.75  3,527.5  357.50 
18 Carat  302.25  3,022.5  306.50 

Gold Price in Dubai Converted to Indian Rupees (INR) – 10 Grams Rate 

Using the current exchange rate of 1 AED = ₹23.24, here’s the approximate price of 10 grams of gold in (INR) Indian Rupees. 

Type  Price in AED (10g)  Price in ₹ (10g) 
24 Carat  3,972.5  92,464.90 
22 Carat  3,677.5  85,630.30 
21 Carat  3,527.5  82,074.30 
18 Carat  3,022.5  70,300.70 

 

Read More: Dubai Gold Price vs. India: How Much Can You Save After Import Duty? 

Conclusion 

On Friday, the Dubai gold rates have slightly decreased compared to the previous session. With the current exchange rate, Indian consumers can also assess the cost of Dubai gold in INR.  

If you’re planning a purchase or investment, keeping track of AED-INR trends and daily gold rates can help you optimise your buying strategy. 

 

 

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. 

Gold Rates Drop in India: Check Gold and Silver Prices in Your City Today, April 25, 2025

Gold prices dropped about 1% on Friday. As of 02:54 NY Time, spot gold was down 1.01% at $3,301 per ounce. 

In India, as of 12:20 PM (IST) in Chennai, 24-carat gold is priced at ₹9,558 per gram, while 22-carat gold costs ₹8,762 per gram. In Hyderabad, the price of 22-carat gold is ₹87,468 per 10 grams, while 24-carat gold is trading at ₹95,420 per 10 grams. 

On Friday, the gold prices in India declined by about 0.70% compared to the previous day. Silver prices also dropped around 0.11% compared to yesterday.  

Gold Prices in India on April 25, 2025 

Here is a detailed breakdown of gold prices in India as of April 25, 2025. 

City  24 Carat Gold (per 10gm in ₹)  22 Carat Gold (per 10gm in ₹) 
Chennai  95,580  87,615 
Hyderabad  95,420  87,468 
Delhi  95,100  87,175 
Mumbai  95,270  87,331 
Bangalore  95,340  87,395 

Silver Prices in India on April 25, 2025 

Here are the latest silver (Silver 999 Fine) rates per kilogram in major Indian cities as of today. 

City  Silver Rate (₹/kg) 
Chennai  97,990 
Hyderabad  97,820 
Delhi  97,490 
Mumbai  97,660 
Bangalore  97,740 

Also Read: Difference Between 22K and 24K Gold? 

Conclusion 

Gold prices and silver prices dropped in both global and Indian markets. Investors and buyers should stay updated with the latest trends and consider multiple factors, including global market movements and local demand, before making any purchasing decisions.  

Since precious metal prices fluctuate frequently, checking real-time rates can help in making informed choices. 

 

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. 

BHEL Share Price Falls 3.38% on Apr 25 Amid Leadership Change

Bharat Heavy Electricals Ltd (BHEL) has been in focus on Friday. On April 25, 2025, BHEL share price opened at ₹230.98, almost the same as its previous close of ₹230.50. At 9:59 AM, the share price of BHEL was trading at ₹222.70, down by 3.38% on the NSE. The stock price hit its day’s low so far at ₹222.35. Notably, the stock hit its 52-week low recently a month ago on March 3, 2025, at ₹176.00.  

BHEL Announces Senior Management Changes in Eastern Region 

On Friday, the company informed the stock exchanges that it has appointed Shri Uday Shankar as the new General Manager and Head of Power Sector – Eastern Region, Kolkata, effective 25th April 2025. A BE (Civil) graduate, Shri Shankar brings 35 years of experience to his new role, having joined the company in August 1990.  

This leadership change follows the superannuation of Shri Arumoy Mukherjee, who served as Executive Director (PS-ER), Kolkata, and retired on 24th April 2025. The transition marks a significant step in BHEL’s ongoing leadership development and operational continuity in the Eastern Region. 

FY25 Performance with Record Orders and Revenue Growth 

Earlier this week, the company announced provisional and unaudited revenue of ₹27,350 crore for FY 2024–25, reflecting a significant 19% growth over the previous year.  

The company achieved its highest-ever order inflow during the year, securing contracts worth ₹92,534 crore. As a result, BHEL’s total order book stood at ₹1,95,922 crore at the close of the fiscal year. 

In the power sector, BHEL reinforced its leadership position by bagging orders worth ₹81,349 crore. Meanwhile, its industrial segment recorded fresh orders of ₹11,185 crore, highlighting BHEL’s diverse presence in sectors such as defence, transportation, process industries, and industrial equipment. 

Also Read: BHEL Posted Record FY25 Order Inflow and 19% Revenue Growth! 

Conclusion 

The leadership transition at BHEL signals a continued focus on stability and experience-driven growth in the Eastern Region. Markets, however, remained cautious. 

 

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. 

 

IEX Share Price Rose 4.48% on Apr 25; Announced 22% PAT Growth in FY25 & ₹1.50 Final Dividend

Indian Energy Exchange Limited (IEX) announced its audited financial results for the financial year and fourth quarter ending March 31, 2025.  

Post the announcement, on April 25, 2025, IEX share price opened at ₹194.79, up from its previous close of ₹190.84. At 9:37 AM, the share price of IEX was trading at ₹199.39, up by 4.48% on the NSE. 

Performance in FY25 

IEX achieved its highest-ever traded electricity volume in FY25 at 121 billion units (BUs), marking an 18.7% year-on-year increase. This growth came on the back of higher demand and efficient market facilitation. Additionally, 178 lakh Renewable Energy Certificates (RECs) were traded, the highest ever in a financial year and a sharp 136.3% rise, indicating growing compliance and interest in green energy trading. 

On the financial front, consolidated revenue for FY25 rose 19.3% year-on-year to ₹657.4 crore, up from ₹550.8 crore in FY24. Consolidated profit after tax (PAT) saw a 22.3% jump to ₹429.2 crore, reflecting operational efficiency and higher trading activity. Standalone PAT stood at ₹414.6 crore, rising 21.4% from ₹341.4 crore in the previous fiscal year. 

The Board of Directors has recommended a final dividend of ₹1.50 per equity share having a face value of ₹1 each, fully paid-up, for the financial year ended March 31, 2025. This is subject to the approval of the shareholders. Further, in line with Regulation 42 of the Listing Regulations, the Board has fixed Friday, May 16, 2025, as the record date to ascertain the eligibility of shareholders for payment of the final dividend. 

Q4 FY25 Highlights  

The momentum continued in the final quarter of the year, with Q4 FY25 recording the highest-ever quarterly traded electricity volume of 31.7 BU, a growth of 18.1% year-on-year. REC trading also reached record levels in the quarter at 68 lakh certificates, up 108% year-on-year. 

Consolidated revenue in Q4 FY25 increased by 17.0% to ₹174.6 crore, while consolidated PAT rose 21.1% to ₹117.1 crore. Standalone PAT for the quarter also increased 17.8%, reaching ₹112 crore. 

Power Sector Update: Demand, Supply, and Stability 

India’s electricity consumption touched 1,694 BUs in FY25, showing a 4.4% rise. The Ministry of Power implemented several proactive measures to ensure uninterrupted supply, including extended operations of coal-based and gas-based plants and maximizing un-requisitioned power on exchanges. 

Coal production also supported the supply side, growing 5% to 1,048 million tonnes, with coal dispatch to the power sector up 5.9%. As of March-end 2025, coal inventories were at a 23-day high, the best since 2021. This surplus helped improve sell-side liquidity on the exchange and kept Day-Ahead Market (DAM) prices competitive at ₹4.47/unit, down 14.7% from ₹5.24/unit in FY24. 

Gas and Carbon Markets: Expanding Horizons 

The Indian Gas Exchange (IGX), a subsidiary of IEX, traded a record 60 million MMBtu in FY25, registering a 47% growth. PAT for IGX increased 34.3% to ₹31 crore. In Q4 FY25 alone, IGX saw 132% growth in volumes and over 100% growth in PAT. 

Meanwhile, International Carbon Exchange (ICX), another subsidiary, emerged as India’s first accredited I-REC issuer. ICX issued 59.27 lakh I-RECs and posted a revenue of ₹3.41 crore in FY25, a 964% jump from FY24’s ₹32 lakh. 

Also Read: Ather Energy IPO to Open on Monday, April 28: A Closer Look at Key Financials!

Conclusion 

FY25 was a landmark year for Indian Energy Exchange, characterised by record electricity and REC volumes, financial growth, and major developments in the gas and carbon trading segments.  

 

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. 

Cyient Share Price Dips 5.91% on Apr 25; DET Revenue Down 1.6% YoY in FY25

Cyient Limited reported its Q4 FY25 results, highlighting a slight decline in its core Digital, Engineering, and Technology (DET) segment.  

Post the announcement, on April 25, 2025, Cyient share price opened at ₹1,176.00, down from its previous close of ₹1,242.80. At 9:31 AM, the share price of Cyient was trading at ₹1,169.40, down by 5.91% on the NSE. 

Q4 FY25 Performance

Revenue for the quarter stood at ₹1,472 crore, reflecting a 0.5% decline sequentially and a 1.2% drop on a year-on-year basis. In constant currency terms, revenue dipped 1.9% QoQ and 3.4% YoY. EBIT for the quarter was ₹191 crore, translating into a margin of 13%. Profit after tax (PAT) stood at ₹163 crore, marking a YoY decline of 6%. 

Full-Year FY25 Overview

For the full financial year, Cyient DET recorded revenue of ₹5,816 crore, down 1.6% from FY24. In constant currency, revenue saw a 3% YoY decline. The company reported EBIT of ₹787 crore with a margin of 13.5%. PAT for the year was ₹605 crore, showing a 12.2% drop compared to the previous year. 

Dividend Announcement

The Board of Directors declared a final dividend of ₹14 per share, bringing the total dividend for FY25 to ₹26 per share. 

Management Commentary 

Commenting on the results, the Executive Vice Chairman and Managing Director of Cyient, Krishna Bodanapu, said, “I am also happy to share that we have launched our semiconductor subsidiary and as we shared with you on April 8, 2025 appointed Suman Narayan as the CEO of Cyient Semiconductors. Suman is a globally recognized professional in the semiconductor Industry.” 

He also stated, “Given our balanced portfolio, we see many opportunities that we can capitalize on for the DET business. Our top customers have demonstrated strong growth this fiscal year despite the headwinds in demand. While there are some uncertainties in the near term, we are working very closely with our customers in navigating through the current challenges. We expect this to last at least through the first half of FY26. I am confident that with our market positioning, global presence, and the new leadership in place, we will emerge stronger to drive sustainable growth in the medium – long term.” 

Also Read: Cyient DLM  Q4 FY25 Revenue Grows 18.3% YoY! 

Conclusion 

While Cyient faced modest headwinds in its DET segment, the company maintained margins and continued its commitment to shareholder value through dividend payouts. 

 

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. 

Government Reduces Revenue Share for Underground Coal Mining

The Ministry of Coal has launched a transformative initiative aimed at revitalising India’s coal sector, with a special focus on underground mining.  

This forward-looking policy package addresses long-standing challenges in the segment, such as high capital requirements and extended gestation periods, by offering a range of financial incentives and strategic reforms. The initiative aligns with the government’s broader vision of sustainability, innovation, and energy security. 

Key Incentives for Underground Mining 

To make underground coal mining more financially viable and attractive to investors, the Ministry has announced two major incentives: 

  • Reduction in Revenue Share: The floor revenue share has been reduced from 4% to 2%, offering significant fiscal relief to developers and improving project economics. 
  • Waiver of Upfront Payment: The requirement of upfront payments has been completely waived for underground coal mining projects. This move lowers entry barriers and promotes faster project initiation, especially from the private sector. 

These steps build on the existing provision of a 50% rebate on performance security for underground mining blocks, further enhancing investor confidence. 

Pushing for Modernisation and Efficiency 

With a focus on sustainability and technological advancement, the reforms are expected to drive the adoption of advanced mining technologies. These include: 

  • Continuous miners 
  • Longwall systems 
  • AI-powered safety systems 
  • Remote sensing and monitoring tools 

These tools will help maximise productivity while minimising environmental disruption, positioning underground mining as a more sustainable alternative to traditional opencast methods. 

Also Read: India’s Coal Sector Achieves Record Growth in FY25: Production Soars 29.79%! 

Environmental and Economic Impact 

Underground coal mining is known to be significantly less intrusive to the surface environment. By encouraging this method, the government aims to reduce carbon footprints and promote ecological balance. The policy also opens up avenues for job creation, skill development, and localised economic growth, contributing to India’s Atmanirbhar Bharat mission. 

Conclusion 

The Ministry of Coal’s policy reforms mark a strategic pivot toward a more sustainable, technologically advanced, and investment-friendly coal sector. These initiatives are expected to unlock the untapped potential of underground coal mining in India, boosting efficiency, enhancing safety, and supporting the nation’s long-term energy 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. 

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

HCL Technologies Interim Dividend of ₹18 Record Date on Monday, April 28, 2025

HCL Technologies Limited’s Board of Directors has declared and approved an interim dividend of ₹18 per equity share of ₹2 each for the financial year 2025-2026.  

On April 24, 2025, HCL Technologies share price (NSE: HCLTECH) opened at ₹1,595.00 and closed at ₹1,590.30, down by 0.23%. The stock price touched its day’s low at ₹1,576.10.  

HCL Technologies Interim Dividend Record Date 

The Board of Directors has announced an interim dividend of ₹18 per equity share (face value ₹2 each) for the financial year 2025–26.   

The record date for determining eligible shareholders is April 28, 2025, and the dividend will be paid on May 6, 2025. 

HCL Technologies FY 2025 Financial Highlights 

For FY 2025, the company reported revenue of ₹1,17,055 crore, marking a 6.5% year-on-year growth. In constant currency terms, revenue rose by 4.7%, while revenue in USD stood at $13,840 million, reflecting a 4.3% increase.  

The company’s operating profit (EBIT) came in at ₹21,420 crore, accounting for 18.3% of the revenue and registering a growth of 7.0% YoY. Net income for the year reached ₹17,390 crore, up 10.8% from the previous year, representing 14.9% of the total revenue. 

Also Read: HCLTech Q4 Results: Net Income Rises 8.1% YoY! 

About HCL Technologies Ltd 

HCL Technologies is a global IT services provider and ranks among the top five Indian IT companies by revenue. Since making its global debut with an IPO in 1999, the company has specialized in transformational outsourcing. It offers a comprehensive suite of services, including software-driven IT solutions, remote infrastructure management, engineering and R&D services, and business process outsourcing (BPO). With a presence in 46 countries, HCL Tech utilizes its robust offshore infrastructure and global network to deliver multi-service solutions across key industry sectors. 

Conclusion  

The company’s last dividend declaration was an interim dividend and a special dividend of ₹12 and ₹6 per share, respectively, with a record date of January 17, 2025.  

 

 

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