Home Loan EMI vs SIP: Which Is a Better Path to Buying Your Dream Home?

Owning a home is a significant financial milestone for many individuals. Beyond providing shelter, a house often represents stability, security, and a sense of accomplishment. Whether the motivation is to start a family, avoid the uncertainties of rented accommodations, secure a property in a booming real estate market, or simply create a space that can be customised freely, the emotional and financial value of homeownership is undeniable.

However, the escalating property prices make purchasing a home outright a distant reality for most salaried individuals. Consequently, many resort to taking a home loan, while others contemplate building a corpus through disciplined investments. The question arises — which pathway leads to quicker and more efficient homeownership?

Home Loan Route: A Snapshot

When purchasing a ₹1 crore home, individuals often make an initial down payment and finance the rest through a loan. Let us consider the case of a 30-year-old professional who has managed to save ₹15 lakh as a down payment.

  • Property Value: ₹1 crore

  • Down Payment: ₹15 lakh

  • Loan Amount: ₹85 lakh

  • Tenure: 30 years

  • Interest Rate: 8.75% p.a.

Under these terms, the monthly EMI (Equated Monthly Instalment) would be approximately ₹67,173. Over a 30-year tenure, the borrower would pay:

  • Principal Repaid: ₹85,00,000

  • Interest Paid: ₹1,56,82,390

  • Total Amount Paid: ₹2,41,82,390

Thus, the interest burden significantly surpasses the original loan amount, resulting in a total outlay more than double the cost of the house.

The Alternative Approach: SIP 

Alternatively, if the individual chose not to buy the home immediately but instead invested the equivalent EMI amount of ₹67,173 monthly through a Systematic Investment Plan (SIP) over the same 30-year period, the projections could be as follows. To get a personalised estimate of how much your SIP could grow over time, you can also try the Angel One SIP Calculator for a quick and easy calculation.

  • Monthly Investment: ₹67,173

  • Investment Tenure: 30 years

  • Assumed Average Annual Returns: Approximately 12% (based on long-term equity returns)

At the end of 30 years, the investment corpus would be:

  • Invested Amount: ₹2,41,82,280

  • Estimated Returns: ₹21,29,32,618

  • Total Corpus: ₹23,71,14,898

The invested capital grows manifold, offering a sizeable corpus that far exceeds the ₹1 crore target for buying a home, even accounting for inflationary pressures.

Read More: Mutual Funds – Best Mutual Fund Investment 2025 Online India. 

The Cost of Borrowing Versus the Power of Compounding

The comparison highlights two starkly different financial outcomes:

  • In the case of the home loan, the individual ends up paying nearly three times the original loan amount due to interest obligations.

  • In the investment approach, the same monthly outflow potentially builds a corpus almost 24 times the original home value.

This divergence is mainly because of the power of compounding that long-term investments offer, compared to the cost of compounding that a long-duration loan imposes on borrowers.

Conclusion

The choice between taking a home loan and investing to build a corpus largely depends on personal priorities, financial circumstances, and risk appetite. While the numbers clearly demonstrate that investments, over the long term, can generate a much larger corpus, they also require discipline, patience, and resilience against market fluctuations. Conversely, home loans offer the advantage of immediate possession but come at a substantial cost due to interest payments over an extended period.

Ultimately, there is no singular ‘right’ path. Each option has its merits and challenges. A balanced approach, considering both emotional needs and financial prudence, is essential in making an informed decision that aligns with one’s long-term goals and lifestyle aspirations.

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.

Bonus, Dividend, Buyback: Indus Towers Board Meet Scheduled for April 30

Indus Towers Ltd., a leading tower infrastructure provider, has announced that its Board of Directors will convene on Wednesday, April 30. According to an exchange filing made on Sunday evening, April 27, the board will deliberate on multiple options to enhance shareholder returns. These include the possibility of a share buyback, the issuance of bonus shares or debentures, a dividend declaration, or a combination of these measures.

Indus Towers Share Price Rises Ahead of Key Announcement

At 1:38 PM on April 27, shares of Indus Towers were trading higher by 2.87%, indicating positive investor sentiment ahead of the upcoming board decision.

Potential Bonus Issue: A First for Indus Towers

If a bonus issue is announced, it would mark the first instance of Indus Towers executing such an initiative since becoming a publicly listed company. The move would represent a significant milestone in the company’s history, broadening its capital base and rewarding long-term shareholders.

Read More: When Did BSE Issue Bonus Shares for the First Time?

Past Share Buyback and Current Trading Dynamics

Indus Towers had previously conducted a share buyback in 2024, its first since 2016. However, the stock continues to trade below the buyback price of ₹465 per share, having achieved a 52-week high of ₹460. Despite this, the company’s strategic moves to return value to shareholders remain a focus of market discussions.

Resumption of Vodafone Idea Payments Fuels Dividend Hopes

The suspension of dividend payouts since 2022 was primarily due to the delayed payments from Vodafone Idea Ltd., one of Indus Towers’ largest customers. This situation had constrained the company’s cash flow, affecting its ability to distribute dividends. Following the resumption of payments by Vodafone Idea, there has been renewed optimism regarding the company’s capacity to offer dividends.

Impact on Small Shareholders

The developments are particularly noteworthy for Indus Towers’ small shareholders. As per the March quarter data, the company had over 4 lakh small shareholders, each holding an authorised share capital of up to ₹2 lakh. Collectively, these shareholders commanded a 2.82% stake in the company. In comparison, mutual funds held a more substantial share of over 13%.

Conclusion

The board’s decision on April 30 will be closely watched, especially by the small investors who stand to benefit directly from any bonus, buyback, or dividend payout.

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 Internship Scheme 2025: How to Check Application Status Online

The PM Internship Scheme 2025, launched as part of the Union Budget 2024-25, aims to bridge the gap between academic education and industry expectations. Registration for this prestigious programme commenced on October 12, 2024 and remained open until April 15, 2025, but later it was extended till April 22, 2025. The initiative seeks to offer valuable industry exposure to students while simultaneously fostering youth employability across various sectors.

Applicants to the scheme can easily track their application status through the official portal: pminternship.mca.gov.in. In this article, we explain how to navigate the PMIS platform, track applications, monitor important metrics, and stay updated throughout the process.

How to Track Your PM Internship Scheme 2025 Application Status

Tracking the application status is crucial for students to stay informed about their progress and to ensure they do not miss any important updates or communications.

Step 1: Accessing the Candidate Dashboard

The Candidate Dashboard within the PMIS portal is the primary space where applicants can manage their internship journey. To access the dashboard:

  • Log in to the PMIS portal using the registered mobile number, username, or CIN, along with the password.

  • Navigate to the ‘My Application’ and ‘My Internships’ sections available on the dashboard.

The ‘My Application’ section offers a consolidated view of all internship applications submitted, along with their individual statuses. Meanwhile, the ‘My Internships’ tab activates once a candidate secures an internship placement and officially begins their term.

Through this dashboard, applicants can also edit their profiles, update details, and check for any new developments regarding offers or internship opportunities.

Read More: PM Internship Scheme 2025: New Application Deadline Extended to April 22. 

Step 2: Monitoring Key Metrics

The Metrics Panel on the Candidate Dashboard provides real-time figures related to the internship application stages. Monitoring these metrics helps applicants track their standing and plan their next steps accordingly. The key metrics include:

  • Internship Applied: Indicates the total number of applications submitted across different companies and sectors.

  • Offers Received: Displays the number of internship offers received, helping applicants assess industry interest and potential options.

  • Offers Accepted: Reflects the number of offers formally accepted by the candidate, showing a commitment to specific internships.

  • Waitlisted: Highlights applications still under consideration, encouraging candidates to stay alert for updates or potential conversion into offers.

Understanding these metrics can help candidates manage their internship search more effectively and respond promptly to opportunities.

Additional Insights on Tracking PM Internship Scheme 2025 Status

Beyond just tracking the number of applications or offers, candidates can delve into specific application details through the ‘Internships Applied’ page. Each entry provides information under the following categories:

  • Application number

  • Internship ID and title

  • Sector and field

  • Location of internship

This breakdown allows candidates to maintain clarity over where they have applied, the nature of each opportunity, and location preferences, assisting in better decision-making when offers are received.

Frequently Asked Questions (FAQs)

1. How do I check my PM Internship application 2025 status?

Candidates must log into the PMIS portal with their credentials, navigate to the dashboard, and click on the ‘My Application’ tab to track their status.

2. Can candidates apply for multiple internships under the PM Internship 2025 Scheme?

Yes, applicants are allowed to apply for up to five internships at a time under the PM Internship Scheme 2025.

3. What is the duration of the internship under the PM Internship Scheme?

Each internship under the PM Internship Scheme 2025 is designed for a 12-month duration, with at least half of the time spent in an actual workplace environment.

Conclusion

The PM Internship Scheme 2025 is a significant step towards providing real-world exposure to India’s aspiring youth. By actively tracking their applications through the PMIS portal, candidates can remain well-informed and better positioned to seize emerging opportunities. Staying engaged with the portal ensures a smoother and more rewarding internship experience.

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.

Samsung, LG, Voltas and Others Move Court Against India’s New E-Waste Recycling Rules

According to Reuters, Several major electronics companies, both international and domestic, have launched legal challenges against India’s newly introduced e-waste recycling mandate. The policy, which seeks to formalise and regulate the country’s largely informal e-waste sector, has drawn criticism from industry giants who argue that the regulation imposes undue financial burdens without effectively addressing the root causes of recycling inefficiencies.

Companies Joining the Legal Battle

South Korean tech giants LG and Samsung have filed petitions before the Delhi High Court, contesting the e-waste regulation. They are joined by other manufacturers, including Daikin, Voltas (a Tata Group enterprise), Havells, and Blue Star. According to court submissions accessed by Reuters, the companies collectively argue that the regulation, while well-intentioned, places an inequitable burden on manufacturers without providing a comprehensive solution to existing systemic issues.

The Delhi High Court is scheduled to hear the case on Tuesday, considering the various petitions collectively.

Understanding the Contested Regulation

The regulation in question forms a part of India’s broader e-waste management framework. It mandates that electronics manufacturers must pay a minimum of ₹22 (approximately 25 US cents) per kilogram to authorised recyclers for the proper disposal of electronic waste. The objective, as outlined by the government, is to incentivise formal investment in a sector predominantly controlled by unregistered scrap dealers, who reportedly handle around 80% of India’s e-waste.

Despite being the world’s third-largest generator of electronic waste, after China and the United States, official figures show that only 43% of India’s e-waste was recycled through formal channels in the previous year.

Key Arguments Raised by Manufacturers

In its detailed 550-page court submission, LG argues that the regulation unfairly shifts the burden of waste management onto manufacturers under the guise of the “polluter pays” principle. The company maintains that the core issue lies in the lack of effective enforcement against the informal sector, rather than the actions of legitimate manufacturers. LG further states, “If the authorities have not been able to regulate the informal sector, then it is an enforcement failure.”

Samsung, in its 345-page filing, echoes these concerns. The company asserts that the regulation does not inherently contribute to environmental protection goals and would result in significant financial strain for manufacturers. Samsung also highlighted that the mandated payout is “5–15 times” higher than prevailing market rates for recycling services.

Regulatory and Environmental Context

The Environment Ministry, which drafted the regulation, has yet to publicly comment on the legal proceedings. The broader context for the policy is India’s ambition to regulate its rapidly expanding e-waste footprint, encouraging investment in licensed recycling operations and reducing environmental degradation caused by improper disposal practices.

However, the industry’s collective resistance underlines the challenges governments face when trying to transition from informal economies to formal systems, especially in sectors where informal networks are deeply entrenched.

Conclusion

The legal dispute over India’s e-waste recycling regulation has opened a significant debate about the balance between environmental responsibility and economic feasibility. As the Delhi High Court prepares to hear the petitions, the outcome of this case could have important implications not only for the electronics industry but also for the future trajectory of India’s environmental regulatory framework.

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.

Colab Platforms Share Price Hits Upper Circuit After Launch of ₹250 Million Sports-Tech Accelerator

Colab Platforms Limited (formerly known as Colab Cloud Platforms Limited) announced a major development, launching a ₹250 million Sports-Tech Growth Accelerator Program aimed at transforming India’s sports innovation landscape. As of 1:33 PM, the share price of Colab Platforms hit the upper circuit on the BSE. 

The newly introduced Accelerator, housed under Colab’s Sports Innovation Division, is designed to empower startups, foster technological breakthroughs, and shape the future of sports performance, engagement, and fitness in India.

Read More: What is the Upper and Lower Circuit?. 

Backing Startups with Resources Beyond Capital

More than just funding, Colab’s Accelerator Program promises a comprehensive support system for early-stage sports-tech ventures. Selected startups will gain:

  • Access to advanced R&D infrastructure

  • Mentorship from industry experts

  • Business advisory services and go-to-market strategies

  • Networking opportunities with sports federations, universities, and private equity firms

Moreover, participants will have the opportunity to pilot their innovations within Colab’s broad ecosystem, which spans sports leagues, professional teams, events, and commerce platforms.

Focus Areas for Innovation and Growth

Colab’s Accelerator is geared towards scouting and scaling startups operating in multiple impact-driven sectors, including:

  • AI-driven performance analytics tools

  • Wearable sports technologies

  • Fan engagement and skill-based gaming platforms

  • Esports infrastructure and content creation

  • Grassroots and decentralised athlete development models

  • Gamified fitness and digital coaching solutions

  • Comprehensive 360° sports platforms and communities

This approach highlights Colab’s ambition to serve not just elite athletes but also everyday sports enthusiasts and emerging talent.

Building a Partnership-Driven Ecosystem

To strengthen its impact, Colab will collaborate with academic institutions, research centres, and national sports federations. These partnerships will enable co-branded innovation programmes, sandbox trials, and university-linked startup pipelines, fostering real-world testing, market validation, and intellectual property co-development.

Such a partnership model is expected to accelerate the growth of sports-tech startups, positioning them for faster scaling and broader market penetration.

A National Commitment to Global Innovation

India’s sports-tech sector is witnessing rapid expansion, fuelled by a younger demographic, increased investment, and initiatives such as Khelo India and Startup India. Colab’s ₹250 million commitment represents both a commercial opportunity and a national pledge to contribute to this dynamic growth.

“With this accelerator programme, we’re not just funding ideas—we’re building an innovation engine for the future of sports,” said Puneet Singh, Managing Director of Colab Platforms Limited.

About Colab Platforms Limited

Colab Platforms Limited operates at the intersection of sports, technology, commerce, and media. The company’s diverse initiatives include managing sports leagues, professional teams, and athletes, launching fan engagement platforms, and building integrated sports commerce ecosystems, laying the foundation for India’s next-generation sports economy.

Conclusion

The launch of Colab Platforms’ ₹250 million Sports-Tech Accelerator marks a significant stride towards innovation in India’s sports ecosystem. With its share price hitting the upper circuit, the initiative has clearly resonated with investor optimism.

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.

RBI Monitors Sale of Bad Loans to ARCs Amid Rising Concerns

According to a report, the Reserve Bank of India (RBI) is carefully observing how banks are selling non-performing assets (NPAs) to Asset Reconstruction Companies (ARCs), particularly in cases involving high-value transactions. Recent instances where ARCs recovered significantly more than the amount paid for acquiring bad loans have sparked questions about whether such deals are being structured fairly.

Are NPAs Being Sold at Undervalued Prices?

One of the key issues under scrutiny is whether banks are selling NPAs at valuations lower than their true potential worth. The significant profit margins earned by some ARCs on distressed loan recoveries have led to concerns that banks may not be accurately pricing these assets at the time of sale, possibly resulting in losses for the financial system.

Doubts Over Exhaustion of Recovery Efforts

The RBI is also evaluating whether banks are fully utilising available recovery mechanisms before deciding to sell NPAs. There is apprehension that in certain cases, banks might be choosing the easier route of selling bad loans rather than making concerted efforts to recover dues through their internal processes.

Read More: RBI Opens Applications for Account Aggregator Self-Regulatory Body

Possibility of Insider Coordination

Another area attracting the RBI’s attention is the potential for informal arrangements between banks, ARCs, and borrowers. Allegations of behind-the-scenes coordination could point towards a situation where the interests of the broader financial system are compromised in favour of select parties.

Conclusion

At present, the RBI has not issued any new regulations or launched formal investigations. However, it is closely tracking the differences between the amounts banks realise from bad loan sales and what ARCs subsequently recover. The central bank’s objective appears to be safeguarding the transparency and integrity of the loan resolution process to ensure it remains beneficial for the overall stability of the financial sector.

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.

15.43 Lakh New Employees, Including 3.35 Lakh Women, Enrolled Under ESI Scheme in February

The Employees’ State Insurance Corporation (ESIC) has reported a robust addition of 15.43 lakh new employees under the ESI Scheme during February 2025. According to the provisional payroll data released by the Ministry of Labour and Employment, the expansion highlights an encouraging trend in workforce formalisation and access to social security.

Additionally, 23,526 new establishments were brought under the ESI Scheme’s ambit in February, thereby extending social security benefits to a wider section of the workforce.

Youth Constitutes Nearly Half of New Registrations

An analysis of the new registrations reveals that the younger workforce is dominating enrolments. Approximately 7.36 lakh employees, amounting to around 47.7% of the total, belong to the age group of up to 25 years. This trend suggests that a significant number of young individuals are entering the formal workforce, often for their first employment, highlighting positive employment generation.

Increased Participation of Women and Transgender Employees

The gender-wise breakdown of enrolments indicates that 3.35 lakh women employees were newly registered under the ESI Scheme in February. In a notable step towards inclusivity, 74 transgender employees were also enrolled during the month. These efforts underline a broader commitment to extending social security benefits across all sections of society.

Continuous Revision of Payroll Data

It is important to note that the payroll data released is provisional. As data generation remains a continuous process, figures may be revised as more information becomes available in subsequent months.

EPFO Payroll Data Reflects Similar Trends

The ESIC figures follow closely after the Employees’ Provident Fund Organisation (EPFO) released its payroll data earlier in the week, showing a net addition of 16.10 lakh members in February 2025. The year-on-year analysis highlights a 3.99% growth in net payroll additions compared to February of the previous year, indicating a rise in employment opportunities and greater awareness of employee benefits.

Read More: EPFO 3.0 Set to Launch by May-June: Will It Ease Withdrawal Challenges?. 

Conclusion

Within the EPFO enrolments, around 7.39 lakh new subscribers were recorded in February, with the 18-25 age group comprising a dominant 57.71% share. Approximately 4.27 lakh new subscribers were added within this young cohort, reflecting a continuation of the trend where fresh entrants into the organised workforce are predominantly young individuals securing their first jobs. Moreover, the net payroll addition for this age group saw a growth of 3.01 per cent compared to the same month last 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.

RBI Revises ATM Rules: Know Free Transaction Limits and New ₹23 Charge Effective May 2025

Introduction: An Important Update for Bank Customers

The Reserve Bank of India (RBI) has announced a revision in ATM withdrawal charges applicable from May 1, 2025. This change affects all bank customers across the country, following an official notification released in March 2025. The revision seeks to align withdrawal fees with the increasing costs associated with operating and maintaining ATM networks.

Background: Why the Revision Was Necessary

The RBI’s decision stems from the need to ensure the financial viability of ATM operations. As per data reported by Livemint, India had 2,16,706 ATMs as of January 2025, including 1,30,902 on-site and 85,804 off-site units. Rising operational costs—such as maintenance, cash handling, and technology upgrades—have made it necessary to adjust the fee structure to support continued ATM availability, especially for smaller banks and white-label operators.

Detailed Changes in ATM Charges and Limits

The key aspects of the RBI’s revised policy are as follows:

  • Effective Date: May 1, 2025

  • Previous Charge: ₹21 per transaction beyond free limits

  • New Charge: ₹23 per transaction beyond free limits

  • Free Transactions at Own Bank ATMs: 5 per month, including financial and non-financial transactions

  • Free Transactions at Other Bank ATMs: 3 per month in metro centres and 5 per month in non-metro centres

  • Scope: Applicable to all savings account holders across commercial banks, cooperative banks, regional rural banks, authorised ATM operators, and white-label ATM operators

  • Non-Financial Transactions: Activities such as balance enquiries, PIN changes, and mini-statements are counted within the free transaction limit

Read More: RBI Allows Children Aged 10 and Above to Open and Operate Bank Accounts. 

Impact on Key Stakeholders

Impact on Customers

Customers who frequently exceed the free transaction limit will face a marginally higher cost. For instance, a customer in a metro city making a fourth transaction at another bank’s ATM will now pay ₹23 instead of ₹21. This could encourage users to plan withdrawals more strategically to avoid additional charges.

Impact on Banks and ATM Operators

Smaller banks and white-label ATM operators, which rely heavily on interchange fees, may find some financial relief from this revision. Although the current interchange fee remains unchanged at ₹17 for financial and ₹6 for non-financial transactions, this adjustment in customer charges could support the sustainability of ATM networks, particularly in remote or less profitable areas.

Regulatory Scope and Standardisation

The RBI’s directive ensures a uniform structure across various banking and financial entities, including:

  • Commercial banks

  • Regional rural banks

  • Cooperative banks

  • Authorised ATM network operators

  • Card payment networks

  • White-label ATM operators

Such standardisation aims to create a level playing field while maintaining transparency for customers nationwide.

Conclusion

The RBI’s revision of ATM withdrawal charges reflects a broader effort to balance customer convenience with the rising cost of ATM operations. While the fee increase is modest, it signifies an evolving financial ecosystem where digital transactions continue to gain traction and physical cash handling demands more robust infrastructure 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.

Apple Mulls to Shift all US-Bound iPhone Assembly to India by 2026

According to the news reports, in response to escalating trade tensions between the United States and China, Apple has accelerated its efforts to diversify its supply chain. According to sources cited by the Financial Times, the company plans to move the assembly of iPhones destined for the United States to India starting as early as next year. By 2026, Apple aims to shift the production of over 60 million iPhones sold annually in the US to Indian factories. This represents one of the most significant manufacturing shifts for Apple in decades, following the company’s recent investments in India.

Impact of Rising Tariffs on Chinese Manufacturing

Apple has traditionally relied on Chinese manufacturers such as Foxconn to assemble its devices. However, increasing tariffs imposed by the Trump administration, which reached over 100% on some Chinese imports, have significantly raised production costs in China. While smartphones received temporary exemptions from the highest tariff brackets, a 20% duty still applies to Chinese-made devices entering the US. These tariffs have prompted Apple to seek alternative manufacturing locations, with India emerging as a viable option due to more favourable trade conditions.

India’s Role in Apple’s Manufacturing Expansion

Apple’s plans to shift production to India are supported by the country’s ongoing negotiations with the United States for a bilateral trade deal, which could secure India the first-ever trade agreement with the US and avoid reciprocal tariffs. Apple has already scaled up its production in India through partnerships with Tata Electronics and Foxconn, with over three million iPhones shipped from India in the first quarter of 2025. In addition to increasing manufacturing capacity, Apple plans to open four new retail stores in Bengaluru, Pune, Delhi-NCR, and Mumbai, further expanding its presence in the country.

Tech Giants Shifting Production to India

Apple is not the only tech company eyeing India as a manufacturing hub. Reports indicate that Samsung is considering moving its smartphone production from Vietnam to India in response to a steep 46% tariff on Vietnamese imports. Additionally, Alphabet Inc., Google’s parent company, is also reportedly in talks with manufacturers like Foxconn and Dixon Technologies to relocate some of its Pixel smartphone production from Vietnam to India. As India continues to improve its trade relations with the US, it is poised to become a major player in global tech manufacturing.

Read More: India iPhone Exports Soar to ₹1.5 Trillion in FY25, Surpassing PLI Target by 2x

Conclusion

Apple’s decision to shift its iPhone manufacturing to India is a response to rising tariffs on Chinese imports and the need to diversify its supply chain. This move will significantly increase India’s role in global tech production, with other major companies expected to follow suit.

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. 

 

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Reliance FMCG Segment Matches Tata Consumer in Size, Surpasses Marico and Emami

According to the news reports, Reliance’s FMCG business has grown massively, becoming as big as Tata Consumer and even larger than Marico. Its sales are almost equal to Dabur’s and three times higher than Emami’s. By the end of the March quarter, Reliance Consumer Brands had reached 1 million stores. 

Sales and Market Performance

In just its second year, Reliance Consumer Brands achieved sales of ₹11,450 crore, showing a 3.5 times increase compared to the previous year. It has now become the fastest-growing FMCG company in India. Their beverage brand, Campa, also secured a double-digit market share in important markets.

 

Reliance’s FMCG portfolio includes many brands such as: 

 

  • Beverages: Campa and Spinners  

 

  • Staples: Independence 

  • Spreads and Sauces: Sil 

  • Personal Care: Velvette 

  • Dishwashing: Dozo 

  • Soaps: Glimmer and Puric 

  • Home Care: HomeGuard 

  • Fabric Care: Enzo  

Future Plans 

Reliance Consumer Brands plans to rapidly grow its store network from 1 million to between 5 and 6 million stores over the next three years, strengthening its presence across India.

 

The table below shows how Reliance Consumer’s sales stack up against major competitors in the FMCG sector:

 

Company FY25 / Trailing 12-Month Sales (₹ Cr)
Hindustan Unilever 61,469
Nestle India 20,202
ITC (FMCG) 19,559
Britannia 17,580
Dabur 12,548
Reliance Consumer 11,450
Tata Consumer (India) 11,241
Marico 10,379

 

Read More: ONGC, Reliance and BP Alliance Win Offshore Oil Block in Gujarat

Share Performance 

As of April 28, 2025, at 11:55 AM, Reliance Industries share price is trading at ₹1,359.00 per share, reflecting a surge of 4.51% from the previous closing price. Over the past month, the stock has surged by 6.58%. The stock’s 52-week high stands at ₹1,608.80 per share, while its low is ₹1,114.85 per share.

Conclusion

Reliance Consumer Brands is rising quickly in the FMCG sector with strong sales growth, wide product offerings and an ambitious store expansion plan. With this pace, it is set to challenge even bigger players in the coming years.

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.