Reducing Long-Term Capital Gains Tax with Short-Term Losses

Investing in equity mutual funds can yield substantial returns over time, but it also comes with tax obligations. Long-term capital gains (LTCG) from equity mutual funds are taxed if they exceed a certain threshold in a financial year. However, investors can use short-term capital losses (STCL) to offset taxable gains and reduce their tax burden effectively. Understanding how this works can help investors optimise their tax liabilities and maximise post-tax returns.

Understanding Long-Term and Short-Term Capital Gains and Losses

Long-term capital gains arise from selling equity mutual funds held for over a year, while short-term gains apply to those sold within a year. Similarly, long-term and short-term capital losses occur based on the holding period.

As per current tax laws, long-term capital gains exceeding ₹1.25 lakh in a financial year are taxed at 12.5%. On the other hand, short-term capital gains are taxed at a flat 15%.

How Short-Term Losses Reduce LTCG Tax Liability

If an investor incurs a short-term capital loss from the sale of equity mutual funds, they can use it to offset their taxable long-term capital gains, reducing the overall tax payable. This tax-saving strategy is known as tax-loss harvesting.

Example of Tax Reduction

Suppose an investor earns ₹2 lakh in long-term capital gains from equity mutual funds in a financial year. The first ₹1.25 lakh is exempt from tax, leaving ₹75,000 taxable at 12.5%, which results in a tax liability of ₹9,375.

Now, let’s assume the same investor also incurs a ₹50,000 short-term capital loss from another equity mutual fund. By offsetting this loss against the taxable LTCG, the new taxable amount becomes ₹25,000 instead of ₹75,000. Consequently, the tax liability drops to ₹3,125 instead of ₹9,375—offering a significant tax saving of ₹6,250.

Rules for Offsetting Capital Gains with Capital Losses

  1. Short-term capital losses can be used to offset both short-term and long-term capital gains.
  2. Long-term capital losses can only be used to offset long-term capital gains.
  3. If the total capital losses exceed the gains in a year, the remaining loss can be carried forward for up to 8 assessment years and adjusted against future gains.

Carrying Forward Short-Term Capital Losses

If an investor’s short-term capital loss exceeds their total capital gains in a financial year, they can carry forward the remaining loss for up to 8 years. However, to claim this benefit, the investor must file their income tax return (ITR) within the due date and report the capital losses appropriately.

Things to Keep in Mind

  • Maintain proper documentation: Keep records of all investment transactions, including purchase and sale details, to substantiate capital gains and losses during tax filing.
  • File ITR on time: Losses can only be carried forward if they are reported in the ITR filed before the due date.
  • Review investment goals: Avoid selling profitable investments solely for tax benefits. Consider long-term growth potential before making decisions.
  • Understand tax laws: Tax rates and exemptions may change, so staying updated on the latest rules is essential.

Conclusion

Short-term capital losses can be a valuable tool in reducing long-term capital gains tax. By understanding how to offset taxable LTCG with STCL, investors can significantly cut down on tax liabilities and improve their overall investment returns. Proper planning, timely tax filing, and awareness of offsetting rules can help investors make the most of tax-saving opportunities while maintaining a robust investment 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.

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

How Much Gold Can We Legally Get From Dubai?

Dubai has long been a favourite shopping destination for Indians looking to buy gold. With lower making charges, no Goods and Services Tax (GST) on bullion and jewellery, and attractive prices, Dubai offers significant savings compared to India.

However, bringing gold back to India is subject to strict rules and customs duties imposed by the Central Board of Indirect Taxes and Customs (CBIC). Understanding these regulations can help travellers avoid penalties and ensure a hassle-free experience at customs.

Gold Carrying Limit From Dubai to India

As per CBIC guidelines, Indian passengers returning from Dubai after staying for more than 6 months can legally bring up to 1 kg of gold in their baggage, provided they pay the applicable customs duty. The gold can be in the form of jewellery, bars, or coins, and travellers must present purchase invoices specifying price, purity, and date for verification at Indian airports.

Duty-Free Gold Limit Based on Gender

For Male Passengers

Men travelling back to India from Dubai are allowed to carry up to 20 grams of gold, valued at a maximum of ₹50,000, duty-free. If they exceed this limit, they must pay customs duty.

Gold Quantity Customs Duty Rate
Up to 20 grams (Max ₹50,000) Duty-free
20 grams to 50 grams 3%
50 grams to 100 grams 6%
Over 100 grams 10%

For Female Passengers

Women are permitted to bring back up to 40 grams of gold, valued at a maximum of ₹1 lakh, without paying customs duty. Any additional gold is subject to taxation.

Gold Quantity Customs Duty Rate
Up to 40 grams (Max ₹1 lakh) Duty-free
40 grams to 100 grams 3%
100 grams to 200 grams 6%
Over 200 grams 10%

Customs Duty Rates Based on Duration of Stay

The amount of duty payable depends on how long the traveller has stayed in Dubai:

Duration of Stay Duty-Free Allowance Customs Duty Payable
Less than 1 year No allowance 38.50%
6 months to 1 year No allowance 13.7% (up to 1 kg)
More than 1 year ₹50,000 (male), ₹1,00,000 (female) 13.7% (up to 1 kg)

Travellers staying in Dubai for more than 6 months can avail customs duty remission of 12.5% plus a 1.25% social welfare surcharge on gold brought back to India.

How Customs Duty on Gold is Calculated in India

The customs duty is calculated based on the current international price of 24K gold on the day of import. Customs officials assess the value of the gold and apply the applicable duty percentage. It is crucial to carry accurate invoices and certificates of purity and weight to avoid penalties.

Declaration at Indian Airports

Travellers carrying gold beyond the duty-free limit must declare it at Indian airports. Passengers should proceed to the Red Channel for customs declaration and duty payment. The Green Channel is reserved for those carrying goods within permissible limits.

As per the Customs Act, 1962, failing to declare gold exceeding the allowed limit may lead to confiscation, penalties, and legal action. Proper declaration and duty payment ensure a hassle-free experience.

Conclusion

Buying gold in Dubai can be a lucrative option for Indian travellers due to lower prices and attractive designs. However, it is essential to comply with CBIC regulations and customs duty requirements to avoid legal complications.

By understanding the limits, carrying proper documentation, and declaring excess gold, travellers can ensure a smooth and lawful import process. Always stay updated on the latest duty rates before planning a gold purchase in Dubai.

 

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 Set to Receive Record ₹67,000 Crore Dividend from Non-Financial CPSEs

The Indian government is set to collect a record-breaking dividend of ₹67,000 crore from non-financial Central Public Sector Enterprises (CPSEs) in the current fiscal year (FY 24-25). This significant boost is driven by strong profitability in key state-run sectors, including petroleum, coal, and power. With dividend receipts already nearing ₹60,000 crore, the final figure is expected to surpass the revised estimate of ₹55,000 crore, providing much-needed financial support to the exchequer.

CPSEs Fuel the Surge

The robust dividend payout is primarily supported by state-owned companies operating in the energy sector. Petroleum firms have led the way, contributing ₹21,443 crore, while coal and power sector CPSEs have paid ₹10,402 crore and ₹8,369 crore, respectively. Together, these sectors have accounted for over 67% of the total dividend collection so far, reflecting their strong profitability and the government’s policy of ensuring consistent dividend payouts from these enterprises.

Offset for Disinvestment Shortfall

The surge in dividends comes as a crucial offset for the Centre’s shortfall in disinvestment receipts. The government had set a revised target of ₹33,000 crore for disinvestment and monetisation, but so far, only ₹8,625 crore has been raised. The higher-than-expected dividend receipts will help bridge this gap, ensuring stability in government finances despite lower-than-anticipated disinvestment proceeds.

The Policy Behind the Growth

The government’s 2020 policy requiring CPSEs to distribute regular dividends after setting aside capital for growth has played a key role in this consistent increase in payouts. Over the last 5 years, dividend revenues from these entities have consistently surpassed the annual estimates, reflecting both strong financial performance and disciplined dividend policies.

Outlook for FY26

Looking ahead, the government has budgeted ₹69,000 crore in dividend receipts from CPSEs for the 2025-26 fiscal year. This optimistic projection is based on expectations of continued strong profitability, especially among petroleum companies, which are likely to benefit from a moderation in global oil prices. With global crude prices dropping below $70 per barrel due to increased drilling in the US and slowing Chinese demand, energy sector CPSEs could continue to deliver robust returns.

Conclusion

The record ₹67,000 crore dividend from non-financial CPSEs highlights the strong financial health of India’s state-owned enterprises. As the government continues to rely on these dividends to support fiscal management, the role of CPSEs in ensuring economic stability remains crucial. With a strategic focus on sustained profitability and prudent dividend policies, these public sector entities are poised to remain key contributors to the country’s financial landscape.

 

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.

Carbonated Juices to Attract 12% GST After High Court Ruling

In a landmark decision, the Gauhati High Court ruled that fruit pulp and juice-based carbonated drinks, including those by X’SS Beverage, should be taxed at 12% GST instead of the higher 28%. This ruling comes as a relief to manufacturers producing such drinks, as it recognises the essential nature of fruit juice in these products rather than categorising them purely as carbonated beverages.

Legal Basis for the Decision

The court’s decision was based on the Rules for Interpretation of the Customs Tariff Act, 1975, which provides guidelines on how goods should be classified for taxation purposes. According to these rules, when a product does not neatly fit into a single category, it should be classified according to its essential character.

The high court determined that fruit pulp and juice-based carbonated drinks derive their core identity from their fruit juice content rather than their carbonation, thereby making them eligible for the lower GST slab. The court also considered scientific studies and past rulings, including the case of Parle’s ‘Appy Fizz,’ to support its decision.

Arguments from GST Authorities and Manufacturers

The GST authorities had previously contended that carbonated fruit drinks should be classified under the same category as soft drinks, which attract a higher tax rate. Their argument was based on the presence of carbonated water in these beverages, which, under their interpretation, placed them in the higher 28% GST category.

On the other hand, manufacturers maintained that the predominant ingredient in their beverages was fruit juice, which influenced the product’s essential nature. They argued that these drinks were distinct from traditional soft drinks and should be taxed accordingly. The high court examined the formulation of these beverages, considering their ingredients, manufacturing process, marketing, and labelling before arriving at its decision.

Implications for the Industry

This ruling is expected to provide significant relief to manufacturers of fruit pulp and juice-based carbonated drinks. The lower tax rate is likely to encourage further innovation and expansion within this segment of the beverage industry. By reducing the tax burden, manufacturers can offer these drinks at more competitive prices, potentially increasing consumer demand.

Additionally, the judgment sets a legal precedent that could influence future tax classifications of similar products. Other manufacturers like Varun Beverages Limited producing fruit-based beverages may now have grounds to seek reclassification of their products under the lower GST slab, leading to broader implications for the industry.

Consumer and Market Impact

For consumers, this decision may translate into more affordable pricing for fruit-based carbonated beverages. The reduced tax rate lowers the overall cost burden on manufacturers, which could be passed on to customers in the form of lower retail prices. This is especially relevant during the summer months when demand for refreshing fruit-based drinks increases significantly.

Furthermore, the ruling could prompt companies to introduce more fruit-based carbonated drinks, expanding choices available to consumers.

Conclusion

While this decision provides clarity for the taxation of fruit-based carbonated drinks, including those by X’SS Beverage, future legal challenges or policy changes could impact its long-term application. Tax authorities may revisit classifications as industry practices evolve, and further rulings may be needed to refine distinctions between beverage types.

 

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.

Mutual Fund Investors Worry as Small and Mid-cap Indices Decline over 5% – What Should You Do?

With recent declines in mid and small cap mutual funds, many investors are facing a crucial question: should you pause or continue your SIP (Systematic Investment Plan)? Small-cap stocks have dropped 18% in two months, while the mid-cap index has fallen 17.61% in eight weeks.

Since February 7, the BSE Small-cap Index has dropped over 6%, while the Mid-cap Index has declined by more than 5.3%. On Tuesday, Feb 18, 11.51 A.M. the BSE Small-cap and Mid-cap Indices stood at 44,269.85 and 39,548.89, respectively, compared to 55,750 and 46,675 at the start of the year.

Impact of Small-Cap Selloff on Fund Houses

Fund houses have been significantly impacted by the recent small-cap selloff. In January, the net assets under management (AUM) of small-cap funds dropped by ₹23,665 crore (7.19%), reaching ₹3.05 lakh crore, down from ₹3.29 lakh crore in December. Mid-cap funds also saw a decline, with their AUM shrinking by ₹26,600 crore (6.65%), dropping to ₹3.73 lakh crore from ₹3.99 lakh crore the previous month.

Overall, equity mutual funds experienced a decline of ₹1.1 lakh crore (3.26%) in net AUM, bringing it down to ₹29.46 lakh crore in January 2025. This highlights the vulnerability of mutual fund investments to market fluctuations.

Past Performance

While past performance is not always a reliable indicator of future returns, it can offer some perspective. The performance of mid and small cap mutual funds has been highly volatile. For example, in 2008, these funds witnessed a sharp decline of up to 70%. However, the following year saw a remarkable recovery with returns of 70%. Over the past 3 years, small and mid cap mutual funds have even delivered returns as high as 100%.

The key takeaway is that these funds often undergo periods of sharp corrections, followed by periods of significant growth. Such volatility is inherent to the nature of mid and small cap mutual funds, and it is something that long-term investors should expect and be prepared for.

Should You Invest in Mid and Small Cap Funds Now?

If you’re new to investing, the current market conditions might cause you to reconsider. With valuations being relatively high, it could be a good idea to carefully assess the timing before entering mid and small cap mutual funds.

If you’re investing with a long-term perspective, such as saving for your child’s education in the next decade, and your risk tolerance is suitable, mid and small cap funds may still align with your financial plan. For those who are already invested and have a balanced portfolio allocation of mid and small cap mutual funds , continuing with your SIPs might help you stay on track with your investment goals.

Conclusion

Investing in small and mid cap mutual funds requires patience, strategy, and a clear understanding of your risk tolerance. While the recent declines in mid and small cap funds may be disconcerting, they also present opportunities for long-term investors.

In the end, the choice to pause or continue your SIP in mid and small cap mutual funds depends on your personal financial goals, risk tolerance, and investment strategy.

Plan your SBI SIP investments better! Use our easy-to-use SBI SIP Calculator and estimate future returns with just a few clicks. Your financial growth starts here.

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.

LG Electronics Prepares for $1.5 Billion India IPO with Roadshows

LG Electronics Inc. has taken a significant step towards its much-anticipated listing, launching roadshows to engage with potential investors for its Indian unit’s initial public offering (IPO). The LG IPO is expected to raise between $1 billion and $1.5 billion, potentially valuing LG Electronics India at an impressive $15 billion. This marks a major milestone for the South Korean company as it looks to expand its presence in India’s growing consumer electronics market.

The Road to the LG Electronics IPO

The company has commenced roadshows, a crucial phase in the IPO process where executives meet with investors to discuss the offering and gauge interest. This initiative comes as LG moves forward with its listing plans for a Bombay Stock Exchange debut later this year.

Although representatives from LG Electronics and its Indian subsidiary have refrained from commenting on the roadshows, reports indicate that leading financial institutions, including Axis Capital Ltd., Bank of America Corp., Citigroup Inc., JPMorgan Chase & Co., and Morgan Stanley, are helping manage the IPO.

A Closer Look at the $1.5 Billion India IPO

According to regulatory filings, LG Electronics plans to offer approximately 101.82 million shares in its public listing. The IPO is expected to attract significant investor interest, given India’s rapidly expanding consumer market and the company’s strong brand presence.

With India emerging as a key hub for initial public offerings, the LG IPO aligns with the growing trend of multinational corporations listing their subsidiaries in the country.

India’s Booming IPO Market

LG Electronics’ move follows the footsteps of Hyundai Motor Co., another South Korean giant that successfully listed its Indian subsidiary last year, raising $3.3 billion in the country’s largest IPO to date. Hyundai’s listing contributed to India’s rise as one of the top destinations for first-time share sales globally. However, market conditions remain dynamic, with India’s benchmark Sensex Index showing signs of slowing down after nine years of continuous growth.

Conclusion

The LG Electronics IPO presents an opportunity for investors to gain exposure to one of the world’s leading consumer electronics brands. A successful listing could further solidify LG’s foothold in India while providing a fresh avenue for investors seeking high-growth opportunities in the consumer goods sector. Given the projected valuation of up to $15 billion, the IPO is expected to be a key event in India’s financial markets this year.

 

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.

Tata Steel to Raise ₹3,000 Crore via NCDs Through Private Placement

Tata Steel has announced its plan to raise ₹3,000 crore through the issuance of non-convertible debentures (NCDs) via private placement. The fundraising move, approved by the board on February 14, is aimed at strengthening the company’s financial position while leveraging its strong market standing.

Understanding Non-Convertible Debentures (NCDs)

Non-convertible debentures (NCDs) are fixed-income instruments issued by companies to raise funds. Unlike convertible debentures, NCDs cannot be converted into equity shares, making them an attractive option for investors seeking stable returns. Tata Steel plans to issue 3,00,000 NCDs, each valued at ₹1,00,000, targeting eligible investors.

Details of the NCD Issuance

The proposed NCDs will be allotted on February 21, 2025, with a maturity date set for February 21, 2030. These debentures will be listed on the wholesale debt market segment of the Bombay Stock Exchange (BSE), ensuring transparency and liquidity for investors.

Why Is Tata Steel Raising Funds?

Tata Steel’s decision to raise ₹3,000 crore comes amid its strategic restructuring and operational improvements. The upgrade is largely driven by expectations of reduced losses at its UK operations and a return to profitability by FY26-FY27. The company successfully shut down both its UK blast furnaces in September 2024, with management anticipating a breakeven point in the latter half of FY26.

Market Impact and Tata Steel Share Price Movement

Despite the positive news of fundraising, Tata Steel’s share price closed 1.69% lower on the BSE at ₹134.40 apiece. The stock opened at ₹133.90, hit a high of ₹139.20, and touched a low of ₹133.35 during the day. This fluctuation indicates that while long-term investors might see potential in the company’s financial strategy, short-term traders reacted to broader market trends.

Debt Obligations and Financial Outlook

According to Reuters, Tata Steel currently has outstanding bonds worth over ₹12,800 crore, with ₹670 crore set to mature next month. The company’s financial restructuring aims to strengthen its balance sheet while ensuring long-term sustainability.

Conclusion

Tata Steel’s decision to raise ₹3,000 crore via NCDs is a significant move toward financial stability and operational efficiency. With improved credit ratings and strategic restructuring in place, the company aims to enhance profitability while managing its debt obligations.

 

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.

Capacite Infraprojects Share Price Falls 15% as Q3 Margins Decline Despite Profit Growth

Capacite Infraprojects, a prominent player in the construction sector, recently experienced a significant decline in its share price, dropping nearly 15% during Friday’s trading session. This downturn occurred despite the company reporting a substantial 77% year-on-year increase in net profit for the third quarter of the fiscal year 2025 (Q3FY25), reaching ₹52.3 crore. The market’s reaction underscores the complex dynamics investors consider beyond headline profit figures.

Financial Performance Overview

In Q3FY25, Capacite Infraprojects reported a consolidated total income of ₹600.7 crore, marking a 24% increase from ₹483 crore in the same quarter the previous year. Sequentially, this represents a nearly 15% rise in revenue. However, the company’s Earnings Before Interest, Taxes, Depreciation, and Amortisation (EBITDA) margin—a key indicator of operational efficiency—declined to 16.7% from 18.5% in Q3FY24. This 180 basis point reduction indicates increased operational costs or other margin pressures.

Market Reaction and Technical Analysis

The contraction in EBITDA margins appears to have overshadowed the profit growth, leading to bearish sentiments among investors. On the day following the earnings announcement, Capacite Infraprojects’ share price opened at an intraday high of ₹361.90 and plummeted to a low of ₹309.20 on the Bombay Stock Exchange (BSE), before closing at ₹337.00, down 7.16% from the previous close.

Strategic Developments and Outlook

Despite the margin contraction, Capacite Infraprojects has been proactive in securing new projects. The company received a Letter of Award from NBCC (India) for a contract worth ₹1,320 crore, involving the development of residential apartments in Greater Noida on an Engineering, Procurement, and Construction (EPC) basis, including a two-year operation and maintenance period.

As of December 31, 2024, the company’s standalone order book stood at ₹10,047 crore, with public sector projects constituting 63% and private sector projects 37%. The gross debt was reported at ₹365 crore, resulting in a gross debt-to-equity ratio of 0.22x and a net debt-to-equity ratio of 0.11x, reflecting a relatively healthy financial position.

Conclusion

The recent decline in Capacite Infraprojects’ share price highlights the market’s sensitivity to margin performance, even amidst strong profit growth. While the company demonstrates robust revenue growth and a solid order book, the contraction in EBITDA margins has raised concerns among investors.

Moving forward, the company’s ability to manage operational efficiencies and maintain healthy margins will be crucial in restoring investor confidence.

 

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.

Asian Paints Share Price Falls as Company Books ₹90 Crore Loss on Indonesia Business Exit

India’s biggest paints manufacturer, Asian Paints, has announced its exit from the Indonesian market, resulting in a potential loss of ₹90 crore. The company has agreed to sell its entire stake in PT Asian Paints Indonesia (PTAPI) and PT Asian Paints Color Indonesia (PTAPCI) to Berger Paints Singapore Pte Limited for SGD 7.5 million (approximately ₹48 crore). The final deal value is subject to certain conditions being met.

Strategic Decision Behind the Exit

Asian Paints entered Indonesia in FY 2016-17, but its presence remained limited. The decision to divest aligns with its broader strategy to focus on markets with higher growth potential. Following the completion of this deal, Asian Paints will no longer operate in Indonesia, and PTAPI and PTAPCI will cease to be its subsidiaries. The company clarified that this move is not expected to have a major impact on its overall international operations.

Market Reaction: Asian Paints Share Price Declines

The divestment news negatively impacted Asian Paints’ share price, which dropped 1.5% to a low of ₹2203.10. The stock is already facing selling pressure due to growing competition in the paints sector. It is currently trading near its 52-week low of ₹2186.35, having tumbled 54% from its peak of ₹3394.00. As of February 14, 2025, at 3:54 PM, the stock was trading at ₹2,231.30, down 0.23%.

Financial Performance and Challenges

Asian Paints has been struggling with weak financial performance over recent quarters. In Q3 FY24-25, the company reported declining revenue and profits, impacted by subdued urban demand and a weak festive season. Its EBITDA margins contracted by 344 basis points to 19.1% due to an unfavourable product mix and operational challenges. Over the past year, Asian Paints share price has lost 25%, with a 27% decline over the past 6 months.

Future Outlook

Management remains cautious about demand recovery, particularly in urban markets, though rural demand shows some resilience. A favourable monsoon is expected to boost rural consumption in Q4 FY25 and Q1 FY26. For FY25, the company has projected single-digit volume growth and expects margins to stabilise between 18-20%, supported by moderating raw material costs.

Conclusion

Asian Paints’ exit from Indonesia, though financially impactful, aligns with its strategic focus on core markets. However, with increasing competition and margin pressures, the company’s stock price outlook remains uncertain. Investors will closely monitor how Asian Paints navigates these challenges while seeking future growth opportunities.

 

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.

PM Kisan Samman Nidhi Yojana 19th Installment: How to Update Mobile Number Before February Payment

The PM Kisan Samman Nidhi Yojana (PMKSNY) is a flagship initiative by the Indian government aimed at providing financial assistance to small and marginal farmers. Under this scheme, eligible farmers receive ₹6,000 annually in three equal installments of ₹2,000 each. With the 19th installment expected to be released in the last week of February 2025, beneficiaries must ensure their mobile numbers are updated to receive timely notifications and payments.

Importance of Updating Your Mobile Number

  • Timely notifications: Farmers receive SMS alerts regarding installment credits and other important updates.
  • Seamless verification: A registered mobile number is required for OTP-based eKYC verification, which is mandatory for continued eligibility.
  • Error-free transactions: Ensuring that your details are up to date minimises issues related to payment failures or delays.

How to Check PM Kisan 19th Installment Status Online?

Farmers can check their PM Kisan Samman Nidhi Yojana payment status by following these simple steps:

  1. Visit the Official Portal.
  2. Click on ‘Know Your Status’ under the ‘Farmers Corner’ section.
  3. Provide your Aadhaar number, registration number, registered mobile number, or bank account number.
  4. The system will display details of past installments and upcoming payments.

Steps to Update Mobile Number in PM Kisan Portal

  1. Visit the official website.
  2. Go to Farmers Corner: Click on the ‘Farmers Corner’ tab on the homepage.
  3. Select ‘Update Mobile Number’option which allows beneficiaries to modify their registered contact details.
  4. Enter Aadhaar or Registration Number and provide your PM Kisan registration details.
  5. Enter the new mobile number, complete the captcha, and submit for verification.

Alternatively, farmers can visit their nearest Common Service Centre (CSC) to update their mobile numbers with assistance from government officials.

How to Apply for PM Kisan Samman Nidhi Yojana

New farmers who wish to avail of the scheme can apply online through the following steps:

  1. Go to PM Kisan Portal
  2. Select ‘New Farmer Registration’ and enter personal details, Aadhaar number, and bank account information.
  3. The submitted details will be verified by local authorities before approval.

Expected Date for PM Kisan 19th Installment

The Union Agriculture Minister, Shivraj Singh Chouhan, has confirmed that the 19th installment of PM Kisan will be credited by the end of February 2025. The 18th installment was disbursed on October 5, 2024, and payments generally follow a four-month cycle.

Conclusion

Ensuring that your mobile number is updated in the PM Kisan Samman Nidhi Yojana portal is vital to receiving payments and updates seamlessly. By following the outlined steps, farmers can avoid disruptions and continue benefiting from the scheme. For any additional assistance, visiting the nearest CSC is recommended.

 

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.