Best Mutual Fund SIP Plan For April 2025: Motilal Oswal Midcap, HDFC Midcap Opp and More

Investing in mutual funds can be a good way to diversify your portfolio and gain exposure to a range of assets like stocks, bonds, or other securities. A mutual fund pools money from many investors to invest in a diversified portfolio of assets.

A fund manager decides how the fund’s money is allocated based on the fund’s objective. You, as an investor, own units in the mutual fund, and your share of the fund’s returns (either profits or losses) is proportional to the amount you’ve invested. In this blog, will explore best mutual fund SIP plan for April 2025;

Best Mutual Funds SIPs for April 2025

Name AUM (₹ Cr) CAGR 3Y (%) Expense Ratio (%)
Motilal Oswal Midcap Fund 23,703.68 30.05 0.68
HDFC Mid-Cap Opportunities Fund 67,578.59 25.51 0.83
HDFC Focused 30 Fund 15,515.87 25.23 0.71
ICICI Pru India Opp Fund 23,859.65 25.22 0.69
SBI Long Term Equity Fund 25,723.50 24.89 1.07

Note: The above mentioned schemes have been selected based on 3Y CAGR as of March 28, 2025

Overview of 5 Best Mutual Fund SIPs

1. Motilal Oswal Midcap Fund

Motilal Oswal Midcap Fund is an open-ended equity mutual fund by Motilal Oswal Mutual Fund. The scheme falls in the mid-cap category of mutual funds. It mainly invests in stocks of mid-sized companies with a percentage of stocks of other market capitalisations.

Key Metrics

  • Expense Ratio: 0.68
  • Tracking Error: 9.48

2. HDFC Mid-Cap Opportunities Fund

HDFC Mid-Cap Opportunities Fund is an open ended equity scheme predominantly investing in mid cap stocks. HDFC Mid-Cap Opportunities Fund follow a predominantly Mid cap strategy with a minimum exposure of 65% to Mid-Cap stocks.

Key Metrics

  • Expense Ratio: 0.83
  • Tracking Error: 4.77

3. HDFC Focused 30 Fund

HDFC Focused 30 Fund is an open ended equity scheme investing in maximum 30 stocks in large-cap, mid-cap and small-cap category. HDFC Focused 30 Fund have the flexibility to invest across market capitalization in stocks with high growth potential.

Key Metrics

  • Expense Ratio: 0.71
  • Tracking Error: 6.18

4. ICICI Pru India Opp Fund

ICICI Pru India Opp Fund aims to generate long-term capital appreciation by investing in opportunities presented by special situations such as corporate restructuring, Government policy and/or regulatory changes, companies going through temporary unique challenges and other similar instances.

Key Metrics

  • Expense Ratio: 0.69
  • Tracking Error: 5.87

5. SBI Long Term Equity Fund

SBI Long Term Equity Fund is an open ended Equity Linked Saving Scheme with a statutory lock-in period of 3 years and tax benefit. The fund invests a minimum of 80% of its assets in equity, cumulative convertible preference shares, fully convertible debentures, bonds etc

Key Metrics

  • Expense Ratio: 1.07
  • Tracking Error: 3.76

Things to Know Before Investing in Mutual Fund SIPs

  • Costs and Fees: Look for mutual funds with low expense ratios, as high fees can erode long-term returns.
  • Investment Objective: Determine your investment goals (retirement, savings, etc.), as this will guide your choice of fund type.
  • Fund Performance: Past performance offers insight but is not a guarantee of future results.
  • Diversification: Mutual funds provide built-in diversification by pooling your money with other investors to spread risk.
  • Tax Considerations: Be mindful of capital gains distributions from mutual funds, which could impact your taxes.
  • Liquidity: Mutual funds are generally liquid, allowing you to buy or sell shares at the end of each trading day.

Conclusion

Investing in mutual funds offers a balanced approach to building wealth through diversification, professional management, and accessibility. While they come with certain costs and risks, mutual funds can be an excellent choice for both new and experienced investors aiming for long-term financial goals

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

How to Login Your APAAR ID via DigiLocker: A Step-by-Step Guide

In line with the National Education Policy 2020 and the National Credit Framework (NCrF), the Automated Permanent Academic Account Registry (APAAR) ID has been introduced as a key feature to streamline the academic journey of students across India. The APAAR ID is a symbol of the vision “One Nation, One Student ID,” offering a unified and accessible academic record for students throughout their academic careers. This ID consolidates all of a student’s achievements and credentials in one place, serving as a lifelong academic passport.

In this blog, we will walk you through the process of logging in to your APAAR ID via DigiLocker, a government-backed platform that provides secure access to your documents.

Step 1: Access DigiLocker

Step 2: Log in to Your DigiLocker Account

  • Enter your registered mobile number, username, or Aadhaar Number, along with your security PIN.
  • Click on the “Sign In” button.
  • You will receive an OTP on your registered mobile number. Enter the OTP to complete the login process.

Step 3: Search for Your AADHAAR Card/UIDAI

  • Click on the “Search Documents” tab.
  • Type “AADHAAR Card” or “UIDAI” into the search bar.
  • From the search results, select the AADHAAR Card/UIDAI option.

Step 4: Provide e-KYC Consent

  • Carefully read the consent message and select the radio button to agree.
  • Click on the “Update” button to give your e-KYC consent.
  • Enter the OTP sent to your Aadhaar-linked mobile number and click “Update.”
  • Once the e-KYC process is completed, you can access your updated AADHAAR Card in the “Get Issued Documents” section.

Step 5: Regenerate or Refetch Your APAAR ID Card

  • Go back to the “Search Documents” tab.
  • Type “APAAR ID” in the search bar.
  • Select the APAAR ID option from the results.
  • Fill in the required details and click “Submit.”
  • Your updated APAAR ID card will be available in the “Get Issued Documents” section.

Conclusion

The introduction of the APAAR ID is a major step towards enhancing the academic experience for students across India. By following these simple steps on DigiLocker, you can easily access and manage your APAAR ID.

 

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 and Silver Prices Trade Higher: Check Rates in Your City on March 28, 2025

On March 28, 2025, Gold and silver prices saw growth in both the global and domestic markets. In the international market, spot gold prices soared ~1.12%, reaching $3,083.95 as of 12:45 PM. In the domestic market, gold prices have surged by over ₹600 to ₹89,520. Turning to silver prices, there was a growth of 0.53% to ₹1,02,210.00 in the domestic market.

In Mumbai, 24-carat gold is priced at ₹8,931 per gram, while 22-carat gold now costs ₹8,187 per gram. In New Delhi, the price of 22-carat gold is currently ₹81,730 per 10 grams, while 24-carat gold is trading at ₹89,160 per 10 grams.

Gold Prices Across Major Indian Cities on March 28, 2025

Here is a detailed breakdown of gold prices as of March 28, 2025:

City 24 Carat Gold (per 10gm in ₹) 22 Carat Gold (per 10gm in ₹)
Chennai 89,570 82,106
Delhi 89,160 81,730
Mumbai 89,310 81,868
Bangalore 89,380 81,932
Kolkata 89,200 81,767

Silver Prices Across Major Indian Cities

City Silver Rate in ₹/KG 
Mumbai 101,880
Delhi 101,700
Kolkata 101,740
Chennai 102,180

Conclusion

Both gold and silver prices witnessed growth in domestic and international markets. Gold saw a rise of more than ₹600 in the domestic market, while silver rose by over ₹380 per kilogram.

 

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.

Mid-Day Top Gainers and Losers on March 28, 2025: ONGC and Tata Consumer Led Gainers

On March 28, 2025, as of 12:10 PM, the stock market was almost flat, where BSE Sensex was down 0.05% at 77,601.48, while the Nifty 50 was up 0.04% at 23,601.10. The mid-day top gainers and losers for the day are:

Mid-Day Top Gainers 

Symbol Open High Low LTP %chng
ONGC 243.44 254.9 243.26 254.3 5.01
TATACONSUM 975.5 1,015.00 975 1,004.70 3.2
JIOFIN 227.18 232.3 226.11 231.25 2.42
BEL 304 306.5 302.42 306.35 1.9
TATAMOTORS 671.85 684.95 669.3 680 1.71

Here’s a brief market update based on the top gainers:

ONGC 

ONGC shares saw a strong uptrend today, opening at ₹243.44, reaching a high of ₹254.90, and closing at ₹254.30, a 5% gain.

Tata Consumer

Tata Consumer surged as it reached a high of ₹1,015.00 from an opening of ₹975.50, closing at ₹1,004.70, marking a 3.2% increase.

Jio Financial Services 

Jio Financial Services gained 2.42%, reaching a high of ₹232.30, opening at ₹227.18, and closing at ₹231.25..

Bharat Electronics

Bharat Electronics rose 1.9%, with its price peaking at ₹306.50, from an opening of ₹304, closing at ₹306.35.

Tata Motors

Tata Motors climbed 1.71%, opening at ₹671.85, hitting a high of ₹684.95, and closing at ₹680.00.

Mid-Day Top Losers

Symbol Open High Low LTP %chng
M&M 2,735.80 2,739.70 2,635.00 2,661.50 -2.62
SHRIRAMFIN 682 685 661.6 664.15 -2.11
WIPRO 271 271.85 265.9 266.8 -1.98
INDUSINDBK 672 673.95 659 660.25 -1.97
POWERGRID 293.9 294.25 289.6 290.25 -1.78

Here’s a brief market update on the top losers:

M&M

M&M faced a decline of 2.62%, hitting a low of ₹2,635.00 after opening at ₹2,735.80 and closing at ₹2,661.50.

Shriram Finance

Shriram Finance dropped 2.11%, reaching a low of ₹661.60 from an opening price of ₹682, and closed at ₹664.15.

Wipro 

Wipro slipped by 1.98%, hitting a low of ₹265.90 after opening at ₹271.00, closing the session at ₹266.80..

IndusInd Bank

IndusInd Bank fell 1.97%, with a low of ₹659.00 after an opening of ₹672.00, closing at ₹660.25.

PowerGrid 

PowerGrid saw a decrease of 1.78%, reaching a low of ₹289.60 from an opening of ₹293.90 and closing at ₹290.25.

 

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.

Gold Price Hits Record High Amid Rising Global Tensions and Market Instability

Gold prices reached a record-breaking peak on Friday, March 28, 2025, as investors flocked to the precious metal amidst growing global trade tensions and declining equity markets. This surge came following U.S. President Donald Trump’s announcement of new tariffs on imported automobiles, which raised concerns about the future of international trade.

Gold Prices Reached Record High

As of 01:40 p.m. ET (1740 GMT) on March 27, spot gold climbed by 1% to $3,050.32 per ounce, surpassing an all-time high of $3,059.30 earlier in the day. This marked the 17th record-breaking high for gold in 2025.

The upward trend continued on March 28, 2025, as U.S. gold spot prices rose by 0.76% to $3,073.18 at 10:26 AM IST. Meanwhile, U.S. gold futures also saw a significant jump, climbing 1.3% to settle at $3,061 after peaking earlier in the session at $3,071.30.

Why Gold Prices are Rising?

The catalyst for gold’s surge was the announcement by President Trump that a 25% tariff on imported vehicles would soon be imposed, triggering retaliatory threats from governments worldwide, including in Ottawa and Paris. The tariff is set to go into effect the day after Trump’s reciprocal tariffs are announced, aimed at countries he claims are primarily responsible for the U.S. trade deficit. As a result, global stock markets tumbled, with shares of some of the largest carmakers taking a significant hit.

Investors are now closely monitoring upcoming U.S. economic data, particularly the Personal Consumption Expenditures (PCE) report, which is due on Friday. The data is expected to provide insights into the Federal Reserve’s next steps regarding interest rate adjustments, especially following the central bank’s decision to hold its benchmark interest rate steady last week.

Conclusion

Gold has long been viewed as a safe-haven asset during times of economic and political uncertainty, and its performance is often bolstered in low-interest rate environments. With growing market instability, gold remains a popular choice for investors seeking stability.

 

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.

NSE Delays Expiry Shift to Monday in Response to SEBI Consultation

The National Stock Exchange (NSE) has postponed its plan to move the expiry date of its contracts to Monday, following the release of a consultation paper from the Securities and Exchange Board of India (SEBI) late Thursday evening. Currently, all contracts on the NSE expire on Thursday.

“The implementation of this circular (shifting the expiry to Monday) is deferred until further notice in light of SEBI’s consultation paper dated March 27, 2025, on the Final Settlement Day for Equity Derivatives,” the NSE stated in a new circular.

On Thursday evening, SEBI released a consultation paper suggesting that the expiry of all equity derivative contracts should occur on either Tuesday or Thursday. It also proposed that exchanges must seek SEBI’s approval before altering contract expiry dates or settlement days.

Earlier this month, the NSE had announced plans to move the expiry date for Nifty index weekly derivative contracts from Thursday to Monday, starting April 4. This change was also set to apply to Nifty’s monthly, quarterly, and half-yearly contracts.

Currently, the Bombay Stock Exchange (BSE) has its weekly contracts expiring on Tuesday, a change made from Friday.

NSE CEO Ashishkumar Chauhan stated on March 10, “Whatever SEBI’s perspective on reducing daily expiries, I don’t think it will be achieved if we continue with multiple expiries on different days. To really address this, there needs to be one unified expiry day, whichever that may be.”

 

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.

UCO Bank Share Price in Focus: Raised ~₹2,000 Crore Through QIP

On March 28, 2025, UCO Bank shares are on investors’ radars as the public sector bank has finished capital raising via Qualified Institutional Placement (QIP). On March 27, 2025, UCO Bank, through an exchange filing, announced that the Board of Directors had approved the allotment of 583,600,803

Equity Shares to eligible qualified institutional buyers at the issue price of ₹34.27 per Equity Share,

aggregating to ₹1,999,99,99,518.81.

On March 28, 2025, UCO Bank share price rose over 1%, reaching a day high of ₹37.29 at 09:30 AM, after opening at ₹36.90.

UCO Bank QIP Details

  • The Qualified Institutional Placement (QIP) was opened on March 24, 2025 and closed on March 27, 2025.
  • The board determined and approved the Issue Price of ₹34.27 per Equity Share (including a premium of ₹24.27 to the face value of ₹ 10 per Equity Share), which is at a discount of 4.99 % (i.e. ₹1.80 per Equity Share), to the Floor Price of ₹36.07 per Equity Share determined, as per the formula prescribed under Regulations 176(1) of the SEBI ICDR Regulations.

UCO Bank Earnings Overview

During Q3FY25, UCO Bank’s net interest income saw a growth of 19.62% year-over-year (YoY). Noninterest income also increased by 37.75%. The domestic Net Interest Margin (NIM) improved by 36 basis points (bps) YoY, reaching 3.38%, while the global NIM grew by 33 bps YoY, reaching 3.17%. The yield on domestic advances rose by 25 bps to 9.06%, and the global yield on advances improved by 22 bps to 8.70%. The operating profit for the quarter grew by 41.73% YoY, totaling 1,586 crore, while the net profit increased by 27.04% YoY, reaching 639 crore.

 

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.

Motherson Sumi Wiring Shares to Trade Ex-Date on March 28: Interim Dividend of ₹0.50

Motherson Sumi Wiring share price will trade ex-date on March 28, 2025, meaning that the shareholders registered in the company’s books will be eligible for the ₹0.50 interim dividend.

Motherson Sumi Wiring Dividend History

Ex-Date Dividend Type Dividend Amount (₹)
Aug 14, 2024 Final 0.80
Aug 09, 2023 Final 0.65
Aug 12, 2022 Final 0.85

Motherson Sumi Wiring Earnings Highlights

The company experienced a 9% revenue growth, surpassing the industry’s volume growth by approximately 6% on a year-over-year basis, primarily due to a favorable product and content mix. Currently, three Greenfield plants are under construction for new programs (EV/ICE), each at different stages of completion and ramp-up, with certain costs being expensed upfront. These plants are expected to be fully operational in the coming quarters. Excluding the expansions, the business maintained strong profitability. Additionally, productive discussions with customers are ongoing to share some of the associated expansion costs. MSWIL continues to remain a debt-free company.

Mr. Vivek Chaand Sehgal, Chairman of Motherson Sumi Wiring India Ltd., said, “These results are a testament to the resilience and dedication of our team, particularly given the upfront costs associated with establishing our greenfield plants. These investments support upcoming EV and ICE programs, reflecting our strategic vision for the future and our commitment to our customers. Despite these investments, our profitability remains strong, and we continue to uphold our status as a debt-free company. I would like to thank our employees for their hard work and our customers and other stakeholders for their continuous and unwavering support.”

 

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.

Samvardhana Motherson Shares to Trade Ex-Date on March 28: Interim Dividend of ₹0.50

Samvardhana Motherson share price will trade ex-date on March 28, 2025, meaning that the shareholders registered in the company’s books will be eligible for the ₹0.50 interim dividend.

Samvardhana Motherson Dividend History

Ex-Date Dividend Type Dividend Amount (₹)
Aug 14, 2024 Final 0.80
Aug 11, 2023 Final 0.65
Aug 12, 2022 Final 0.65

Samvardhana Motherson Business Highlights

Motherson, a global manufacturer of aerospace components and assemblies, has been chosen as a Tier 1 supplier for Airbus, a prominent aircraft manufacturer. Through its subsidiary, CIM Tools India Pvt. Ltd., Motherson has signed a multi-year contract to produce and supply various aerospace components and assemblies directly to Airbus’ final assembly lines. The deliveries will begin from Motherson’s specialised aerospace facility in Bengaluru, India. Motherson is already a Tier 1 supplier for Airbus Helicopter and Airbus Defence and Space.

Commenting on this development, Mr. Vivek Chaand Sehgal, Chairman of Motherson, said, “We are proud to be recognised as a Tier 1 supplier to Airbus commercial aircraft, and I would like to express my heartfelt gratitude to Airbus for their trust in Motherson. This significant achievement highlights Motherson’s manufacturing capabilities, high-quality standards, and commitment to timely delivery. Our team is committed to delivering the highest quality components and assemblies. We look forward to strengthening our partnership.”

 

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.

Ashok Leyland Refutes Media Speculation About Acquiring Stake in SML Isuzu: Check Details

On March 26, 2025, the commercial vehicle manufacturer Ashok Leyland, through an exchange filing, denied reports that it is in talks to acquire a controlling stake in SML Isuzu Ltd. At the end of the trading session, Ashok Leyland share price closed at ₹214.95 with a gain of 2.45% on BSE.

Ashok Leyland Response to Media Speculation

“This is with respect to recent news articles in media, generally stating that Ashok Leyland Limited might be close to acquiring the promoter’s stake in SML Isuzu and that the negotiations are at an advanced stage between the company and Japan’s Sumitomo Corporation, who is the promoter of SML Isuzu. Similar reports have been published in various mainstream media outlets.”

The company said in an exchange filing, “Ashok Leyland would like to outrightly deny this news as factually incorrect,”.

Ashok Leyland Secured Order

In Feb 2025, the company secured a ₹297.85 crore order from Tamil Nadu State Transport Corporation. Ashok Leyland will deliver state of the art BS VI Diesel Fuel Type 12-meter ultra-low entry rear engine fully built buses for city operations featuring the advanced iGen 6 BS VI technology with a robust H-Series engine rated at 184 kW (246 hp) equipped with Front and Rear Air Suspension.

Ashok Leyland Q3FY25 Performance

In Q3 FY25, the company continued to strengthen its position in the market. Its net profit increased by 31% year-over-year (YOY). The EBITDA margin improved to 12.8%, up from 11.6% in Q2 of the current fiscal year and 12.0% in the same period last year. The MHCV industry, which had experienced a slowdown in Q2, rebounded in Q3, driven by a rise in consumption demand during the festive season and a better flow of government capital expenditure (CAPEX) in the second half of the quarter.

 

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.