Category: Finance

Mumbai (Maharashtra) [India], November 8: Dalal Street’s IPO party isn’t slowing down. With nine listings queued up and grey market premiums climbing, investors are eyeing quick gains, some as high as 22%.

India’s IPO Season Is Back in Beast Mode

If you thought India’s IPO wave was cooling, think again. The coming week will see a new burst of listings led by three heavyweight startups, Lenskart, PhysicsWallah, and Groww, alongside a clutch of manufacturing and SME players.

Grey market whispers suggest healthy listing pops, with premiums ranging between 4% and 22%. For short-term traders, that’s music. For long-term investors, it’s a reminder that India’s capital market still loves a good growth story.

Tenneco Clean Air Leads with 22% Premium

Automotive systems supplier Tenneco Clean Air India is revving the loudest. With a grey market premium (GMP) of ₹87 over its issue price of ₹397, the listing implies a 22% upside.

The company’s strong fundamentals, exposure to clean-tech components, and a well-timed narrative around “green mobility” make it the week’s hottest pick.

PhysicsWallah: India’s Edtech Star Goes Public

Next up, PhysicsWallah, India’s most profitable online learning unicorn, is heading for its market debut. The IPO, valued at ₹3,480 crore, opens on November 11 and lists on November 18.

With a modest GMP of ₹5, roughly a 5% premium over the issue price of ₹109, the listing might not light up the sky. But it carries symbolic weight. PhysicsWallah is the first Indian edtech firm to go public while profitable, a rare headline in a sector that’s been all burn, no earn.

For India’s retail investors, this listing is a confidence test for the entire edtech ecosystem.

Emmvee Photovoltaic Rides the Solar Boom

Solar power manufacturer Emmvee Photovoltaic Power has caught the clean-energy wave, trading at a ₹20 GMP or about 9% above its issue price of ₹217.

The firm’s ₹2,900 crore issue is expected to fund capacity expansion and working capital, both crucial in India’s surging solar market.

Investors are betting on the government’s push toward renewable energy and domestic manufacturing incentives.

Groww IPO: Retail’s New Darling

Fintech unicorn Groww, already a household name among millennial investors, closed its ₹6,632 crore IPO with a bang, subscribed 17.6 times.

Its GMP of ₹5, a 5% listing gain over the issue price of ₹100, might seem humble, but the strong institutional demand says it all. Investors clearly see long-term value in Groww’s digital-first investing model.

Even with high valuations, Groww’s brand power, scale, and trust factor keep it a must-watch listing.

Lenskart’s ₹7,278 Crore IPO Eyes Steady Start

Eyewear retail giant Lenskart Solutions rounds out the trio of headline acts. Its issue, worth ₹7,278 crore, saw an impressive 28x subscription.

Still, the GMP sits at a modest ₹17, or about 4% over its issue price, likely capped by valuation worries.

But make no mistake: Lenskart is a consumer-tech success story India can claim proudly. With omnichannel dominance, slick branding, and expanding global reach, it’s more marathon than sprint.

SME Segment: Select Buzz, Muted Premiums

In the SME corner, enthusiasm is more selective. Curis Lifesciences is leading with a ₹7.5 premium (6% upside), while Shining Tools follows at ₹7 (6%).

Others, like Mahamaya Lifesciences and Workmates Core2Cloud, haven’t seen major grey market movement, showing that while retail appetite is strong, it’s also picky.

The Bigger Picture

Nine IPOs in a single week. A market riding high on liquidity, retail euphoria, and India’s growth story.

Sure, some of these listings will cool off after debut day. But the underlying sentiment is clear: Dalal Street is back to betting on Bharat’s next-gen economy.

The data-driven optimism, backed by real profits in startups like PhysicsWallah and established scale in Groww and Lenskart, signals a maturing market. Investors are no longer chasing hype alone; they’re rewarding sustainability and brand strength.

Verdict? Watch the Momentum, Respect the Valuations

The coming week will likely deliver solid pops, but expect volatility too. High-profile IPOs tend to attract fast hands, and post-listing corrections are common.

For serious investors, the smarter play might be to watch how these stocks settle after the first week. Long-term winners in India’s IPO arena often emerge after the initial chaos fades. Still, with sentiment this charged, even the cautious ones might find themselves reaching for the “subscribe” button.

PNN News

New Delhi [India], November 3: Imagine driving your car down a long highway towards your destination. The car represents your investment portfolio, and the financial markets represent the highway, which is full of ups and downs, curves and sudden bumps. Your destination is essentially your financial goals, based on your age bracket, such as marriage, child education, wealth accumulation, and retirement income.

Now, when the roads are smooth and the economy is strong, you will have a relatively comfortable ride. However, when the road gets bumpy with rough patches and you tend to lose control of your car with the possibility of crashing, that’s when the shock absorbers of your car play an important role. This is where bonds come in.

Bonds: The shock absorbers

While your car’s engine represents your stock, enabling your portfolio to move forward faster, bonds act as shock absorbers, allowing you to have a smoother ride. A well-balanced portfolio strikes a balance between stocks and bonds, helping you drive with greater confidence.

Role of Bonds in the Changing Indian Financial Market

As financial markets swing between volatility and opportunity, bonds are quietly redefining the way India invests. They bring predictability, stability, and compounding power to every portfolio, from first-time investors to retirees.

While retail participation in equities and mutual funds has grown exponentially, the average investor’s portfolio has remained underexposed to fixed income until now. The country’s ₹50 lakh crore corporate bond market is expanding as investors discover that bonds aren’t just for safety, they’re for steady growth. Retail participation in RBI’s Retail Direct App for purchasing bonds has also seen a multi-fold increase in investments in recent times.

Build your long-term wealth with Bonds

Many believe bonds are only for short-term parking of funds. In reality, long-duration bonds can be powerful compounding assets. When bonds are held to maturity and their coupons are reinvested, even a modest 7% to 8% yield can grow substantially over time.

Unlike equity, where returns depend on timing and sentiment, bonds deliver predefined cash flows, and when reinvested, those coupons compound into meaningful wealth over time.

For instance, an investment of ₹10 lakh in an 8% bond can grow to over ₹21.6 lakh in 9 years if interest payments are reinvested – nearly doubling your wealth with minimal risk.

Create a regular secondary income stream with Bonds

Bonds are ideal for those seeking predictable, periodic income.

Most corporate or government bonds pay interest every 6 or 12 months, directly into your bank account. That makes them perfect for:

• Salaried professionals looking to generate passive income
• Retirees needing dependable monthly or annual payouts
• Anyone building a stable cash-flow base

You know how much, when and for how long you’ll be paid, unlike the uncertainty of stock dividends. This reliability makes bonds perfect for creating monthly income ladders; a sequence of maturities ensuring continuous cash inflows over years.

Build a strong foundation for your portfolio as a first-time investor Bonds

If you’re new to investing, bonds are a gentle entry point into the world of markets.

• Simple to understand; i.e. fixed return, fixed maturity
• Rated by independent agencies (CRISIL, ICRA, CARE, etc.)
• Available in small ticket sizes starting at Rs 10,000 through multiple online bond platforms and intermediaries
• Lower volatility compared to equities or mutual funds

Bonds help first-time investors preserve capital, build confidence and consistency before exploring higher-risk assets.

Plan your retirement without worrying about capital erosion through bonds

Retirement planning isn’t just about saving; it’s about creating certainty.

Bonds help you:

• Lock in known interest rates for future years for a steady monthly income for your daily needs
• Match maturities with life goals
  • Child’s Higher Education
  • Child’s marriage
  • Your retirement travel plans
  • Unforeseen medical expenditures
• Preserve capital while generating cash flow

You can build a bond ladder by investing in multiple maturities (1–3–5–10 years), thereby ensuring regular inflows as older bonds mature and new ones replace them. Using the laddering technique, retirees can align payouts with their expenses while maintaining liquidity.

Experience the Magic of Compounding not just with SIPs but also with Bonds

When you reinvest your interest income received from bonds, your returns begin to earn returns. That’s the power of compounding.

Even modest interest rates can create large outcomes over time:

Reinvesting your coupon income, even partially, can dramatically accelerate long-term wealth creation.

Understanding tax implications with Bonds

Be it any financial asset class, tax treatment eventually determines how much of your interest or returns you actually keep. While bond interest is taxed at the investor’s slab rate, long-term capital gains (after 12 months) on listed bonds are taxed at just 12.5%.

Additionally, tax-free PSU bonds from issuers like NHAI, PFC, and REC (AAA rated) offer completely exempt coupon income, often yielding 5.5% to 6% tax-free, which comes to pre-tax 8.25% – 8.5% for investors in the highest tax bracket.

Pro Tip: For investors in higher tax brackets, tax-free PSU bonds often outperform post-tax FD returns.

Bonds vs. Debt, Mutual Funds vs. Fixed Deposits

Key Insight:

• FDs offer safety but limited flexibility.
• Debt mutual funds add liquidity but depend on the fund manager’s skill.
• Bonds give you control with fixed income, a fixed timeline, and known risk.

Why every portfolio needs Bonds

While bonds may not deliver eye-catching returns as equities, they offer steady income, lower risk, and crucial diversification benefits. For retail investors, especially those planning for retirement, education, or long-term financial security, including bonds in their portfolio can significantly improve their overall risk-adjusted returns.

In the long run, a well-diversified portfolio with the right mix of equities and bonds paves a path for higher returns and financial resilience.

Through online bond platforms and intermediaries, investors can:

• Receive transparent information on government and corporate bonds
• Compare yields, ratings, and maturities and decide on products based on their goals
• Expect a seamless sales and post-sales process

Whether you’re building wealth, planning retirement, or just starting, bonds can anchor your financial journey. So, start investing in bonds before it’s too late.

This article is written by Mr Umesh Tulsyan, Managing Director of Sovereign Global Markets Pvt Ltd, a Delhi-based financial boutique, based on his independent research and thorough understanding of the Indian Debt Markets. Umesh brings with him over 25 years of experience in the financial services industry. The views expressed here are entirely personal and should not be construed as any investment advice.

Disclaimer: This press release is for informational purposes only and does not constitute financial advice. Investments involve risk, and past performance is not indicative of future results. Readers should conduct their own research or consult with a qualified advisor before making any decisions.

Kochi (Kerala) [India], November 4: The Manappuram Unique Times Conclave 2025, held on November 4th at the Gokulam Convention Centre, Kochi, brought together eminent leaders and financial experts to delve into the evolving landscape of digital banking and taxation in a cashless economy. Organized by Pegasus Global Pvt Ltd under the guidance of Dr. Ajit Ravi, the event served as a premier platform for thought-provoking dialogue on the technological and regulatory transformations redefining the financial ecosystem.

The conclave featured an illustrious panel comprising V P Nandakumar, Chairman and Managing Director of Manappuram Finance Ltd; Hari Velloor, Executive Vice President of ESAF Bank; Keshav Mishra, CEO and Co-Founder of 8byte AI; Bobby Thomas Varghese, Associate Director of EY Global Delivery Services and Nikhil K G, CEO of Pentad Securities. The session was expertly moderated by CA Vivek Krishna Govind, Senior Partner at Varma & Varma.

Engaging and insightful, the discussion explored the pivotal role of digital transformation in reshaping financial systems, enhancing transparency, and improving efficiency in tax compliance. Panelists emphasized how the rapid shift toward cashless transactions is driving financial inclusion, streamlining taxation, and fostering innovation in fintech and banking. With powerful perspectives shared by industry stalwarts, the event successfully highlighted the importance of collaboration between technology, policy, and business strategy in building a resilient and inclusive digital economy.

The 2025 edition of the Manappuram Unique Times Conclave concluded on an inspiring note, reaffirming its commitment to fostering meaningful conversations that shape the future of business and finance in India’s digital era.

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Mumbai (Maharashtra) [India], November 3: When social media called Lenskart’s ₹70,000-crore valuation “obnoxious,” Peyush Bansal didn’t flinch. For him, criticism isn’t a crisis – it’s feedback wrapped in noise. The founder who built India’s biggest eyewear brand knows one thing: if everyone’s talking, you’re doing something right.

Backlash as a Badge of Relevance

At a fireside chat with S Sharma, Bansal didn’t dodge the question. “Criticism isn’t always a bad thing,” he said, smiling. “Shark Tank has somewhat trained me for the public world.”

He added, “Sometimes criticism can be a good thing. It’s important to listen to another’s point of view, but also have your own.”

This is classic Peyush Bansal energy – calm, slightly amused, and entirely in control. The founder of Lenskart, a company now synonymous with eyewear innovation in India, is rolling out one of the most anticipated listings of the year: Lenskart IPO 2025.

The ₹7,278-crore public issue, open from October 31 to November 4, is split between a fresh issue worth ₹2,150 crore and an offer for sale of ₹5,128 crore. The price band sits between ₹382 and ₹402 per share, valuing Lenskart at roughly ₹70,000 crore (around $8 billion).

And despite the noise, the numbers speak louder than the tweets.

Lenskart IPO 2025: Fully Subscribed in a Flash

By 5:00 PM on November 3, 2025, the IPO was 2.01 times subscribed. Institutional investors (QIBs) were in at 1.64x, non-institutional investors (NIIs) at 1.88x, retail investors at 3.33x, and even employees joined the rush with 2.62x subscriptions.

Translation: everyone wanted a piece of Lenskart.

For context, the issue was fully subscribed on Day 1 – a clear sign that investors, both Indian and global, see serious potential in this brand. “I’m humbled by the Indian and global investors’ participation in Day 1 of the IPO,” Bansal said.

The listing is set for November 10 on the BSE and NSE, with allotments finalized by November 6.

The Overvaluation Debate: Loud, Familiar, and Predictable

Not everyone’s impressed. Market analyst Sandeep Sabharwal called the IPO “obnoxiously valued,” arguing that Lenskart doesn’t justify a price north of ₹15,000 crore, let alone ₹70,000 crore.

“It’s not a business that offers massive scale or growth potential, and the company just turned profitable last year,” he said. “Highly avoidable IPO.”

That’s harsh. But the criticism isn’t new. Every major Indian startup IPO – from Zomato to Paytm – has faced the same music. When consumer tech firms go public, investors split into two camps: believers in scale, and purists demanding old-school profitability.

Bansal’s take? He’s been here before. The Shark Tank India judge thrives on skepticism. For him, backlash just confirms that Lenskart is no longer a startup – it’s a public story.

A Broader IPO Reality Check

DSP Asset Managers Pvt. – one of the institutional investors in the Lenskart anchor book – had to publicly defend its decision after social media backlash. The fund called Lenskart’s business “strong and scalable,” but admitted the deal was “expensive.”

Analysts like Gaurav Garg of Lemonn Markets Desk agree the IPO is “at a significant premium” compared to global peers like EssilorLuxottica SA, the Paris-listed eyewear leader that trades at 45x forward earnings.

Meanwhile, SBICAP Securities Ltd. labeled Lenskart’s valuation “stretched,” saying near-term listing gains could be muted. Still, they advised investors to subscribe, citing brand strength and growth potential in India’s underpenetrated eyewear market.

And Choice Equity Broking’s Rajnath Yadav echoed that: profitability is thin, but the global expansion is real – about 40% of revenue already comes from overseas.

Lenskart’s Edge: Vision Beyond Eyewear

Beyond valuations, Bansal’s strategy is clear: build for the long term, not the next quarter. Half of Lenskart’s manufacturing now happens in India, a deliberate choice in a world that loves easy imports.

“The easier choice for us is to import everything,” Bansal said. “But the tough choice was to set up an engineering team, build hardware and software, and control our data. We didn’t want to be just distributors of glasses.”

That’s a mic drop moment – especially in a sector where most players are still middlemen.

Then comes the tech play. Earlier this year, Lenskart launched “Phonic” smart glasses in partnership with Qualcomm, featuring Bluetooth connectivity. A camera and video-capable version is on the way.

“I think there’s a lot of AI happening in India,” Bansal said. “It’s not just the US or China. At Lenskart, we’re high on AI – our smart glasses are proof.”

For a brand that started by selling lenses online, that’s one hell of a pivot into the future.

The Big Picture: India’s Startup Market Under Scrutiny

Lenskart’s IPO lands at a time when the Indian IPO market is buzzing but cautious. Since 2021, around 32 startups have gone public. Fourteen now trade below their issue prices – Paytm and Fino Payments Bank being the most famous casualties.

Investors have learned to ask harder questions. Are these companies profitable? Do valuations make sense? Can they sustain growth beyond the hype?

Lenskart sits right at the center of that debate. It offers scale, reach, and strong investor pedigree – with billionaire Radhakishan Damani joining the pre-IPO round with a ₹900-crore investment. Yet, the brand must prove that it can sustain its momentum while delivering consistent earnings.

From Microsoft to Market Street

Bansal’s own story mirrors his response to critics. “In my mid-year review at Microsoft, my manager said I handle criticism really well – and that was the only thing she said,” he recalled with a laugh.

That thick skin might be his biggest asset right now. As Lenskart transitions from a high-growth startup to a public company, scrutiny will only increase. And Bansal seems fine with that.

His philosophy is simple: listen, adapt, but don’t bend.

Verdict: India’s Eyewear Titan Enters a New Lens

At ₹70,000 crore, Lenskart isn’t just selling eyewear – it’s selling belief. The company’s 4–6% share of India’s prescription eyewear market leaves massive headroom for expansion, especially as unorganized local players fade out. So yes, the valuation might look stretched. The profitability might still be warming up. But the demand, brand recall, and investor faith? Hard to argue with.

The Lenskart IPO 2025 may not please valuation purists, but it’s undeniably a statement – one that says Indian consumer tech isn’t afraid to dream in billions.

Also Read: PM Modi Launches One Lakh Crore Research Innovation Drive

Mumbai (Maharashtra) [India], October 30: If you have been pricing a new mediclaim policy or preparing for renewal, you have probably heard about the new Goods and Services Tax rules. From 22 September 2025, individual health insurance premiums carry 0% GST. That is a major regulatory change, and it affects how you see your premium on the invoice.

The big question is simple: Will your cost actually come down, and by how much? Let us unpack the change and what it means when you buy health insurance in India.

What Exactly Has Changed

The Ministry of Finance has clarified that GST on all individual life and health insurance policies is now set to zero with effect from 22 September 2025. Family floaters fall under this umbrella. Group covers, such as employer-sponsored health insurance, are not included and continue to attract 18% GST. The applicable rate is determined by the date you pay the premium, which affects renewals and instalments.

There has also been public guidance and reporting that underline the same timeline and scope, with references to the formal notifications issued in September 2025. These notes state that the exemption applies to individual policies and that group credit life or group term policies remain outside the relief.

Will Your Premium Really Fall

Seeing 0% GST on an invoice does not automatically mean an 18% drop in what you pay. Why. Because the way the relief has been framed matters. If a service is treated as exempt instead of nil-rated, insurers cannot claim input tax credit on the GST they pay on their own costs. When input credits are blocked, some insurers may adjust the base premium to cover those costs.

The net effect you see depends on each insurer’s pricing, its cost structure, and the regulator-approved rates. Early industry commentary has highlighted the distinction between exemption and nil rating, which is central to determining the amount of benefit that reaches customers.

In short, the line item called GST disappears for eligible policies, but the insurer sets the base premium. It can change due to claims experience, medical inflation, and operating costs. Treat the new rule as a structural positive when you buy medical insurance, but check the final quote rather than assuming a fixed percentage reduction.

Three Quick Scenarios to Make Sense of the Maths

Here are three quick senories:

• Unchanged Base Premium: Last year, your base premium was ₹20,000. Earlier, you paid ₹23,600 with 18% GST. If your insurer keeps the base at ₹20,000, your payable amount now shows ₹20,000 with 0% GST. This looks like an 18% saving versus last year’s invoice. Actual outcomes will vary by insurer.

• Base Premium Adjusted for Costs: Suppose the insurer revises the base to ₹20,600 to reflect blocked input credits and claims trends. The payable amount becomes ₹20,600. You still pay less than the old ₹23,600, but not the full 18%.

• Instalment or Renewal Timing: If an instalment or renewal premium was due before 22 September 2025 but you paid on or after that date, the 0% rate applies because the rate is tied to the payment date. If you paid before the date, the old rate applied to that payment. The ministry’s FAQ explains this treatment for due dates and instalments.

What to Check When You Renew or Buy Health Insurance

Here you will explore what to check when you renew or buy health insurance:

• Invoice Break Up
• Look for a clean premium break-up that shows the base premium and the GST line at 0%. If anything seems unclear, ask for a revised premium sheet that reflects the new rules. The exemption applies to individual policies, including family floaters.

• Policy Type Matters
• Employer group policies continue to carry 18% GST. If you rely only on an employer plan and are thinking about a personal mediclaim policy to supplement it, the 0% GST applies to that individual policy.

• Payment Date Still Counts
• For renewals around quarter ends, confirm the premium posting date on the insurer’s system. The rate is determined by the timing of payment receipt and invoice issuance, as outlined by the government.

• Add-ons and Embedded Covers
• If your individual health insurance includes additional covers such as personal accident within a single product price, the FAQ indicates the combined product would be exempt. Review riders and add-ons separately to ensure the invoice reflects the correct treatment.

Does This Change How You Choose the Best Health Insurance

The tax treatment is one piece of the puzzle. The core decision still rests on suitability. When you buy health insurance, weigh sum insured adequacy, room rent limits, disease-wise sub-limits, waiting periods, day care coverage, network hospitals, claim settlement support, and co-payment clauses. Price is important, but coverage design and claim experience often matter more when you actually need care.

If you want to buy parents health insurance or senior citizens, pay extra attention to pre-existing condition waiting periods and co-payments. When comparing the best health insurance options for young families, consider maternity limits, newborn cover, and restoration benefits. If you prefer a cashless first experience, shortlist plans that have strong network coverage in your city and at your preferred hospitals.

Conclusion

GST relief on individual health insurance seems positive, but savings vary. Check your premium breakup and dates, and compare premiums across insurers. Prioritise coverage quality, claims support, and hospital networks. Choose a mediclaim policy that fits needs, not the tax line.

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New Delhi [India], October 17: As we all are waiting to celebrate Diwali with our loved ones, there are enthusiastic investors who are looking for Muhurat trading. This year, we’ll see this trading session happening in the afternoon from 1:45 PM to 2:45 PM on October 21, 2025 (Tuesday).

But the big question remains of how to make the most from this auspicious trading session? This blog will provide you with all the answers on how you can pick the stocks, set up trades, and make it a really Happy Diwali.

8 Tips for Successful Muhurat Trading in 2025

Firstly, you need to open free Demat Account with SMC Global Securities to ensure a faster and smoother trading experience. Here are the 8 important tips you need to keep in mind while entering the Muhurat trading in 2025:

1. Decide Between Trading and Investing

The first and foremost thing you need to decide before going for Muhurat trading is to choose between trading and investing. While one style requires faster execution and early gains, the other benefits from fundamental and compounding strength. At this time, you can trade and invest across equities, commodities, currencies, and F&O.

It is important to pre-decide on which stocks and futures, and options (F&O) you want to trade and invest. This provides a clear roadmap to execute the order in the short duration of 1-hour Muhurat trading.

2. Go with Large Cap Stocks

Large-cap stocks are ranked among the top 100 companies based on market capitalization. As Muhurat trading time spans only for 1 hour, these stocks provide sufficient liquidity to execute buy and sell orders.

If you go with small-cap or penny stocks, then they have thin volumes and lower liquidity. This can lead to loss of opportunities and sharp fluctuations, which can erode your invested capital. However, the blue-chip or quality stocks have strong fundamentals and face lower volatility, making them an ideal choice for Diwali 2025 trading.

3. Avoid Cyclical Stocks

Cyclical stocks are the ones that are closely linked to economic performance. They tend to be highly volatile, as their prices can fluctuate sharply due to policy changes,

geopolitical developments, or economic cycles. Examples include pharmaceuticals, real estate, and automobile stocks.

On the other hand, non-cyclical stocks, such as FMCG and utilities, have more predictable business models, making them relatively safer choices. However, it is important to conduct specific stock analysis, as not all non-cyclical stocks give stable returns.

4. Be Ready with Your Stock Analysis

Stock analysis is something that you need to do every time you execute a buy and sell order. For fundamental analysis, you can prepare a list of stocks that have a reasonable valuation in their respective industry, have a stable ROE, and have a history of delivering stable returns and regular dividends.

Since this is also the time for second-quarter results announcements, you can also look for companies that have shown a sharp turnaround in profits or announced major investment and expansion plans for the coming quarters.

5. Stick to Your Trading Plan

In the Muhurat session, trading required sharp actions in just one hour. For this, you can prepare the list of stocks based on moving averages, RSI, MACD, etc. For example, if a stock’s 50-day moving average crosses above its 200-day average, it may indicate a bullish trend.

Identifying such patterns a day before the Muhurat trading can help you save time, and you can mark them on your stock alerts watchlist for faster updates. You will directly get the notification when the stock breaks out of such patterns, and you can grab the opportunity at the right time.

6. Invest in Gold and Silver ETFs

Gold and silver are breaking all the records this year, and the festive season is considered to be auspicious to invest in the yellow and white metals. As the prices of these metals are touching the sky, it might be difficult for everyone to buy physical gold or silver this year.

With gold and silver ETFs, anyone can start investing in these assets just by buying one unit of the fund. You can consider allocating at least 10% – 15% of your investment in these metals to diversify your portfolio.

7. Keep a Check on Your Budget

It is a time when your monthly budget can get haywire for buying new clothes, gifts, sweets, and much more. So, the amount you usually keep aside from your monthly income for investments may get redirected towards festive spending.

To avoid such a situation, you can keep aside the amount you wish to deploy for Muhurat trading. You can also use the dedicated apps to keep track of your spending activities and stay aligned with your budget.

8. Avoid Any Fake Stock Tips

During Diwali, you may see an endless number of reels and posts on unauthorised social media handles providing you with stock tips. It is crucial to distinguish the fake stock advice from the honest one, which is backed by research analysts and brokerage houses.

For this, you can visit the respective sites of the brokerage and research firms and study their detailed report. However, you should be ready with your trading plans and list of stocks to execute timely trades on the Diwali special Muhurat trading session.

Conclusion

For Muhurat trading, it is important to follow one mantra: “Every successful execution requires prior planning.” From picking quality stocks to investing in gold and silver ETFs, this is a celebratory time for every investor. To bring in the new financial year, take your first step towards investing and keep reading SMC Global Securities blogs to stay updated on stocks, mutual funds, and more.

Disclaimer: This article is only for informational purposes and does not intend to advise or recommend any sort of investment or platform.

About the Author: I am Sheetal Goel, working as a content writer at SMC Global Securities. I hold 5+ years of experience in financial research and writing. As an Economics graduate and MBA (Finance), I possess the right skills to craft valuable blogs and make finance easy for readers.

Disclaimer: This is a press release for informational purposes only and should not be considered a substitute for professional advice or decision-making. Investing in stocks includes financial risks, and past performance is not indicative of future results. Readers should conduct their own research or consult with a qualified advisor before making any decisions.

Mumbai (Maharashtra) [India], October 14: It’s not just a matter of money when you buy bike insurance online; it’s also a matter of common sense. Whether you ride every day or just sometimes, choosing between long-term and one-year coverage can change when you update your insurance, how much you pay, any fines you may face, and your peace of mind.

With traffic fines going up and insurance rules making it required, knowing all your choices is essential. This article discusses all the critical differences between long-term and one-year bike insurance, including costs, perks for the government, and how to choose. If you read this whole thing, you should be able to choose an insurance plan that fits your riding habits and your income.

Understanding One-Year Bike Insurance

Buying a one-year insurance plan will cover your two-wheeler for one year from the date the coverage starts. Like most insurers, this is the standard arrangement.

Key Features of One-Year Bike Insurance

1. Annual Renewal Required: To keep your coverage, you must renew the insurance annually.
2. Customisation Available: Own-damage, third party bike insurance, and a complete plan are all options for customisation.
3. Premium Revision Each Year: Every year, insurers may change rates based on changes in inflation, risk profile, or rules.
4. Easy Portability: You can move insurance companies once a year if you find a better deal.

Pros of One-Year Plans

1. A wider range of options for comparing prices.
2. Every year is a chance to look at programming and make improvements.
3. This is helpful for people who want to sell or get a new bike soon.

Cons of One-Year Plans

1. Not renewing could cause the licence to expire, so be careful.
2. There could be a check, and late returns will cost you more.
3. Doing the same papers and following up every year.

What Is Long-Term Bike Insurance?

Based on the policy, long-term insurance protects your bike for a set amount of time, usually between 2 and 5 years. There is no need to update the coverage every year during this time.

Key Features of Long-Term Coverage

1. No Annual Renewals: Once you buy coverage, it’s suitable for several years.
2. Premium Locked In: Your base rates don’t go up every year.
3. Constant Protection: A policy that doesn’t break down means that claims and compliance go more smoothly.

Pros of Long-Term Plans

1. Peace of mind with coverage for more than one year.
2. Avoids fines and problems that come with plans that have expired.
3. Premiums are often lower when you buy them.

Cons of Long-Term Plans

1. More money up front than plans for one year.
2. Not many options to switch insurance.
3. If you stop, you may get a refund, which may take a while.

Cost Comparison: Which Saves You More?

Let’s break it down with an example:

Note: These are approximations; check individual polices for exact prices

As you can see, long-term plans usually have lower total costs and are easier to use.

Government Regulations and Penalty Avoidance

All bike owners must always have third-party bike insurance under the Motor Vehicles Act. For even one day, not following the rules can lead to:

1. Fines of up to ₹2,000
2. Problems with the law in case of crashes
3. Not being able to renew without inspection

Long-term rules help you follow the rules for longer periods without any problems.

Claim Process: Does Duration Matter?

Whether you have a one-year or long-term third-party bike insurance, the way you file a claim is the same. What’s different is how easy it is to keep ongoing coverage, ensuring that claims aren’t turned down because the insurance has expired.

Insurance companies are also known to handle claims a little better for people who have had policies for a long time, since they think these customers are less likely to file a claim.

Ideal User for Each Type

Whether you buy one-year or long-term bike insurance online depends on how often you ride, how much money you have, and how often you update your policy. Take a look at which type works best for each type of rider.

One-Year Policy May Suit You If:

1. In a year, you’ll probably sell or get a new bike.
2. You want the freedom to switch insurance companies every year.
3. You’re responsible for renewing every year.

Long-Term Policy May Suit You If:

1. You’ll keep your bike for at least three years.
2. You don’t want to deal with fees and hassles every year.
3. In the long run, you want to save money.

Buying Bike Insurance Online: A Modern Convenience

When you update your licence every year, there are often last-minute rushes, missed dates, and delays with paperwork. You could lose your insurance and pay hefty fines if you forget to reapply.

You can buy bike insurance online, which has made the process a lot easier, whether you want a short-term or long-term plan. Here are some good things about shopping online:

1. Instant quotes from several insurance companies
2. It is easy to compare services and add-ons
3. Safe payment and a right away digital policy problem
4. Renewals and claim help without paper

During the buying process, you can easily choose the length of time, amount of coverage, and riders, all from the safety of your own home.

Customer Service & Support: Long-Term Loyalty Wins

For long-term clients, many insurance companies offer benefits and better customer service, such as:

1. Priority handling of claims
2. Add-ons that are free or cheap, like roadside assistance
3. Reminders for renewals and tracking of documents

Short-term owners may miss out on these perks because their relationship lasts only a short time.

Which Policy Is Best for You?

It all boils down to your lifestyle, usage, and financial planning:

Conclusion

Both choices have their own benefits. A one-year policy gives you options, but it needs constant care. On the other hand, long-term protection saves you money, makes things easier, and gives you peace of mind, especially if you plan to keep your bike for a few years.

Before you decide, consider how often you’ll use your bike, how long you plan to own it, and how responsible you are about renewing it. You can also compare and personalise your coverage choices by using bike insurance online sites.

FAQs

1. Can I change my insurance from one year to a long-term one?

As of now, you can’t change it. When the plan’s time is up, you can buy a new one from your insurance company or another one.

2. If I cancel my long-term protection, will I get my money back?

Yes, but it’s usually worked out by looking at how much time is left on the contract and the rules for cancelling it. There may also be handling fees charged by some insurance companies.

3. Is there long-term protection for older bikes?

It depends on how old your bike is and what your insurance policy says. Bike insurance

policies for new bikes usually come with 3- or 5-year terms, but policies for older bikes may

only be renewable for a short time.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

Mumbai (Maharashtra) [India], October 7: An open suitcase at Mumbai International Airport, a missed connection in Doha, or a toothache in Prague can ruin any vacation. Spending limits are limited, and finding help becomes difficult. This is why Indian travellers carry something other than a passport: foreign travel insurance. While such a policy doesn’t guarantee results, it provides a structure and a framework for dealing with unforeseen circumstances within established limits.

This article covers the topic of overseas travel insurance, including its coverage and exclusions, and selects the best option. It also explains when one must obtain such insurance and the paperwork that expedites the claims process.

What is Overseas Travel Insurance

Overseas travel insurance is a policy intended for journeys outside India. The wording usually focuses on emergencies and travel disruptions. Every plan is different, so the details matter. You pay a premium before the trip, and if a covered event occurs, you follow the claim process by providing the necessary proofs.

Why Indian Travellers Prefer a Safety Net

Healthcare abroad can be expensive. Some countries require proof of medical coverage at the visa stage. Parents who send a child for studies want a helpline number that is answered. Senior citizens often look for preapproved hospitals and clear limits. None of this removes risk; it organises support.

Common Coverages at a Glance

Here are the common coverages:

• Emergency medical treatment and hospitalisation during the trip.
• Medical evacuation and repatriation are provided upon the advice of the treating doctor.
• Trip cancellation, interruption, or delay for listed reasons.
• Loss, damage, or delay of checked baggage with support for essentials.
• Loss of passport with assistance for replacement.
• Personal liability for third-party injury or property damage, subject to limits.
• Optional add-ons include adventure sports, study-related benefits, or gadget coverage.

What is Usually Excluded

Here you will explore what is usually excluded:

• Undeclared pre-existing conditions.
• Non-prescribed or experimental treatment.
• Events linked to unlawful acts or reckless behaviour.
• Incidents related to alcohol or substance misuse.
• High-risk activities without the relevant add-on.
• Travelling against medical advice.

How to Pick a Plan That Fits

Here you will explore how to pick one that fits for you:

• Match the plan to the purpose, whether a family holiday, a business visit, a student term, or a cruise.
• Read the sum insured, sub-limits, and deductibles to know the maximum payable and your share.
• Check the assistance network and the process for cashless treatment.
• Add only the extras you actually need. Too many riders raise costs without clear value.
• For multi-country journeys, ensure all destinations and dates are on the schedule.

When to Buy and How to Keep Proof Handy

It is advisable to buy overseas travel insurance as soon as you book your tickets and accommodations. Buying early may activate pre-departure benefits, as stated in the policy. Keep soft copies in a cloud folder, note helpline numbers, and share them with a family member. If a visa officer requests evidence, you can show the schedule that lists the countries and travel dates.

Real Situations From Indian Travellers

Here are some real-world examples:

• A photographer from Pune arrives in Paris, while the suitcase goes elsewhere. Essentials are purchased, invoices are kept, and a baggage delay claim is filed within the specified waiting period.
• A student in Singapore develops a severe allergy. The campus clinic refers to a network hospital, and the assistance desk guides patients through the paperwork for cashless admission.
• A family on a Southeast Asia tour faces a cancelled connection due to weather. A meal and one night in a hotel are required. Receipts are saved, and a delay claim is made within the time window.

Cost Drivers You Should Expect

Premium depends on age, destination, trip length, health declarations, chosen sum insured, and add-ons. Single-trip plans suit occasional travellers. If you frequently fly for work, an annual multi-trip plan can be a simpler option for managing your travel. Students should check the maximum duration allowed in one stretch.

Simple Claim Hygiene That Saves Time

Keep every bill, prescription, and boarding pass. Get airline letters for delays or baggage issues. File police reports where theft or loss is involved. Inform the assistance team promptly, follow the provided forms, and submit your response within the deadline stated in the wording. Clear documents typically expedite the assessment process.

Quick Pre-Flight Checklist

Here is the quick checklist:

• Names, dates, and passport numbers match the passport.
• Dates cover door-to-door travel, including transit halts.
• All group members understand deductibles and limits.
• Pre-existing conditions are declared as required.
• Emergency numbers are saved on your phone and shared with family.

Final Thoughts

Overseas trips are smoother once the tedious tasks have been completed. A meticulously designed overseas travel insurance plan doesn’t remove uncertainty, but it outlines a way of assisting when something goes wrong. Think of benefits, pay attention to details, and buy overseas travel insurance trips only when you are assured that your policy meets the complexity of your travels, your finances, and your peace of mind.

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The chance to invest in the early growth phase of a company via an Initial Public Offering (IPO) is tempting, but it is one of the segments of the market that is vulnerable to fluctuating conditions and risk of collapse. IPOs raise the opportunity to buy shares at a discounted price, but they require much more discipline, concentration, and clarity than any investment that could be made in the set companies. Investors will be forced to replace market frenzy with due diligence that is performed with professionalism and an uncompromising investment policy to negotiate their way through this high-stakes environment.

Basics of IPO Due Diligence.

Effective investment in an IPO is based on proper knowledge of the fundamentals of the company. The initial one is an examination of the business model of the company. Investing must be restricted to businesses, the major products and services of which, as well as their competitive advantages, are fully understood. This clarity will eliminate the use of emotions and make the investment thesis robust. Some of the important questions will be: What is the distinguishable moat of the company? Does the management team have a provable track record and integrity? Effective leadership is not only a luxury but a necessity of operational prosperity and good governance in the long run.

Most importantly, a forensic audit of the financial well-being, as stipulated in the Draft Red Herring Prospectus (DRHP), is beyond negotiation. Consistency is key. Seek an evidence-based track record of expanding revenue and profit, which is an indicator of sustainable market penetration and efficiency. Good gross and net profit margins prove good management of costs. Moreover, the debt-to-equity ratio will also have to be evaluated; a small-to-moderate amount of debt implies a sensible financial engineering, whereas the overabundance of leverage imposes a huge amount of risk that could be avoided. The real blood of any growing business is positive and growing operating cash flow, which confirms that the company is capable of financing its operations without excessive outside dependence.

Geopolitical and Industry Background of Investing in IPO.

The company does not work in a vacuum. The objective analysis of the industry situation is a prerequisite to the creation of a professional investment decision. Is it in a secular growth of the sector, or is it in saturation and disruption? Competitive intensity should be analysed to find out the positioning of the company. Excellent competitive advantage, either based on proprietary technology, strong brand loyalty or scale of operations, offers protection against the market forces and competition. This strength creates confidence in the sustainability of the company and subsequent profitability.

The most important technical factor is perhaps valuation. The prices set in an IPO should be fair when compared to its publicly issued counterparts when calculated by such ratios as the Price-to-Earnings (P/E) or Price-to-Sales ratios. An overpriced offering will reduce the chance of immediate gains at the time of listing and reduce long-term growth potential. Specifically, investors should not be tempted to invest in a high valuation and instead should exercise discipline in their pricing.

There are 7 key tips to successful IPO investment.

Question the Purpose of the Issue: Favourable offerings commit capital into business growth, research and development or expansion. Weaker ones mostly spend the money on early investor exits (Offer for Sale – OFS) or over-debt repayment.

Assess Underwriter Credibility: Famous investment banks underwriting the IPO may suggest a greater amount of due diligence performed before the launch, which indicates an indirect protection to the populace.
Be Positive but Pragmatic: Investors, though optimistic about the market’s potential, need to apply a realistic risk-reward filter to all decisions, rather than the irrational exuberance that often accompanies new listings.

Apply the Cut-off Price Strategy: To maximize the likelihood of getting an allotment, bid at the Cut-off Price (the highest price in the band), and retail investors will generally have a higher likelihood of getting shares in an oversubscribed offering.

Distinguish between Short-Term vs. Long-Term Strategy:

Listing Gains (Short-Term): Extremely speculative; concentrate on underpriced IPOs where retailing is expected to be very strong.

Wealth Creation (Long-Term): Concentrate on quality management, financial soundness, and long-term ability to grow. This plan consists of keeping a second buy in mind once the volatility has calmed down.
Institute Rational Risk Territories: Only assign a small and non-material fraction of the total amount of investment to IPOs. They are an extremely volatile and risky category.

Be Patient and Avoid the Hype: The media hype machine can be shunned. The wise long-term investor would wait until the stock has actually developed a real price in the public market, which in many cases would take a few months after the listing. It matters most to an investor to know what he owns, and why he owns what he owns, as financial analyst Joe Moglia remarked. This takes time and concentration.

Investing in an IPO presents both emotional and analytical challenges to the investor. Through following a policy that is founded on discipline, clarity and objective analysis, investors would greatly increase their chances at realising astounding, lasting returns instead of just engaging in the act of speculation. The final predictable indicator of success in this dynamic but daunting part of the financial markets is adherence to due diligence.