International Trips Got Expensive due to Weak Rupee: Here’s Ways to Save

The Indian Rupee (INR) has fallen by about 3.5% against the US Dollar in the past 6 months, crossing ₹87 per USD. As per a report, the USD rose 5% over the past year, from ₹83.01 on February 10, 2024, to ₹87.45 on February 1, 2025.

Impact of a Weaker Rupee on Travel

When the rupee loses value, international travel becomes more expensive. Here’s how it affects your budget:

  • Higher Costs for Flights and Hotels – Travel expenses in USD or other foreign currencies become costlier, increasing the overall trip cost.
  • Expensive Shopping and Activities – Everything from dining to sightseeing costs more in rupee terms.
  • Increased Airline Expenses – Rising fuel prices and global inflation make flights more expensive.

Changes in Travel Behavior

The rising cost of travel has forced changes in both business and leisure trips:

  • Businesses Cutting Costs – Companies are reducing unnecessary travel and switching to virtual meetings.
  • Luxury Travelers Adjusting Budgets – High-net-worth individuals are using forex planning to manage expenses while maintaining premium travel experiences.

Ways to Save on International Travel

You can still manage your expenses by planning ahead and using smart financial strategies:

1. Use Multi-Currency Forex Cards

  • Lock exchange rates in advance.
  • Save on currency conversion fees.
  • Safe and widely accepted at hotels, resorts, and shops.

2. Book Flights and Hotels in Advance

  • Avoid price increases due to further rupee depreciation.
  • Get better deals on flights and accommodations.

3. Buy Foreign Currency in Installments

  • Instead of exchanging all money at once, buy forex in smaller amounts over time.
  • Helps average out currency fluctuations.

4. Pay in Local Currency

  • Avoid extra fees charged by INR-denominated credit cards.
  • Use payment methods that minimise forex charges.

5. Pick Destinations Where the Rupee Stretches Further

  • Travel to countries where INR has a better exchange rate to save money.

6. Choose Travel Insurance with Forex Protection

  • Some policies cover forex volatility and unexpected expenses.

Best Payment Methods for International Travel

Payment Method Benefits When to Use
Prepaid Forex Card Fixed exchange rates, secure, widely accepted For daily expenses, shopping
Credit Card (No Forex Fees) Good exchange rates, no need to carry cash Large purchases, hotel bookings
Debit Card (Cash Withdrawal) Easy access to local currency ATM withdrawals, emergencies
Digital Wallets (Apple Pay, etc.) Contactless payments, minimal fees Small purchases, stores accepting digital pay
Local Cash No transaction fees, accepted everywhere For places that don’t take cards

Conclusion

A weaker rupee makes international trips costlier, but smart planning can help reduce the impact. By using Forex cards, booking early, and choosing the right payment method, you can still enjoy a budget-friendly vacation.

 

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.

Upcoming Dividends in March 2025: Castrol India, SBI Life and More

Dividends represent a share of a company’s earnings distributed to shareholders as a return on their investment. They are considered a steady source of passive income for investors. This article highlights the upcoming dividend-paying stocks in March 2025.

Upcoming Dividends in March 2025 

Company Name Ex Date Purpose Record Date
Aayush Wellness Ltd 03 Mar 2025 Interim Dividend – ₹0.0100 03 Mar 2025
SBI Life Insurance Company Ltd 07 Mar 2025 Interim Dividend 07 Mar 2025
CASTROL INDIA LTD. 18 Mar 2025 Final Dividend – ₹9.5000 18 Mar 2025
DIC INDIA LTD. 18 Mar 2025 Final Dividend – ₹4.0000 18 Mar 2025

Advantages of Dividends

  • Reliable Income Source

Dividends offer shareholders a steady stream of income, making them particularly beneficial for income-focused investors such as retirees. These payments are typically issued quarterly or annually.

  • Enhanced Growth Through Compounding

Reinvesting dividends can accelerate investment growth over time. Investors can maximise returns through compounding by using dividend payouts to purchase additional shares.

  • Indicator of Financial Strength

Companies that consistently pay and increase dividends often reflect strong financial health and profitability. Regular dividend payments indicate a stable cash flow, reassuring investors.

  • Reduced Risk

Stocks that pay dividends, especially those from established companies, tend to be less volatile than non-dividend stocks. Investors looking for stability may prefer them for their potential to generate steady returns.

  • Potential for Value Appreciation

Beyond providing income, dividend-paying stocks can also grow in value over time, offering investors both dividends and capital gains.

Conclusion

In addition to the stocks mentioned earlier, many other companies may offer dividends in the final days of March 2025. However, investors should conduct thorough research and assess their financial goals before making investment decisions. Ensuring that investments align with risk tolerance and long-term objectives is essential for a well-balanced portfolio.

 

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.

Can You Plan Early Retirement with the National Pension Scheme (NPS)?

The National Pension System (NPS) is a flexible and tax-efficient retirement plan that can help individuals, including those aiming for early retirement, build a strong financial foundation.

Why NPS is Suitable for Early Retirement

NPS is often seen as a long-term investment, but its features make it attractive for early retirees as well.

  • Low Contribution Requirement: You can keep an NPS account active with a minimum yearly contribution of just ₹1,000, making it ideal even for those with irregular incomes.
  • Flexible Contributions: Subscribers can contribute as per their financial situation, and younger investors can front-load their investments to maximise returns.
  • Market-Linked Returns: Unlike fixed deposits or traditional insurance plans, NPS provides exposure to equity investments, leading to potentially higher long-term returns.
  • Power of Compounding: A 30-year-old investing ₹12,000 per month at an average 10% annual return could accumulate around ₹2.35 crore by age 50, making early retirement a possibility.

NPS Vatsalya: A Retirement Plan for Children

NPS Vatsalya is a scheme under NPS that allows parents to create a pension account for their minor children, managed by the Pension Fund Regulatory and Development Authority (PFRDA). Children receive a Permanent Retirement Account Number (PRAN) card upon registration.

How Much Can Your Child Save?

Here’s how a child’s savings can grow under NPS Vatsalya:

  • Annual Contribution: ₹10,000
  • Investment Duration: 18 years
  • Estimated Corpus at Age 18: ₹5 lakh (assuming a 10% return)

Estimated Corpus at Age 60:

  • At 10% return: ₹2.75 crore
  • At 11.59% return: ₹5.97 crore
  • At 12.86% return: ₹11.05 crore

Is NPS the Best Option for Retirement?

While NPS offers disciplined savings, it may not be the best choice for active investors who want more control over their investments.

  • Limited Equity Exposure: NPS caps equity allocation at 75%, which reduces with age, restricting growth potential.
  • Lack of Flexibility: A well-planned mutual fund portfolio can provide better flexibility and potentially higher returns for investors who actively manage their wealth.

Disadvantages of NPS

  • Mandatory Annuity Purchase: At age 60, at least 40% of the NPS corpus must be used to buy an annuity, ensuring a steady income. However, annuity payments may not keep pace with inflation, reducing purchasing power over time.
  • Investment Management Challenges: If a subscriber withdraws 60% of the corpus, they must manage this large amount themselves. If they lack investment experience, they may struggle to make the right financial decisions.

 

Conclusion

NPS is a great option for those seeking a hands-off investment approach with tax benefits and structured savings. If you’re planning for early retirement, combining NPS with other investment options could be the best 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.

 

Angel One Nifty Total Market ETF vs. Nifty 500 ETF: Is the Extra Coverage Worth It?

ETFs have become increasingly popular among Indian investors, with AUM exceeding ₹5 lakh crore as of 2024. Their rising adoption is fueled by high liquidity, transparency, and lower costs than actively managed mutual funds.

Angel One Mutual Fund has introduced the Nifty Total Market ETF and Nifty Total Market Index Fund, both tracking the Nifty Total Market Index. This raises an important question for investors: Is the broader coverage of the Nifty Total Market ETF worth it, or does the Nifty 500 ETF offer sufficient diversification?

Both indices follow a free-float market capitalisation methodology and have similar sectoral compositions, with financial services as the dominant sector. However, the Nifty Total Market Index includes microcap stocks, which slightly enhance returns but also increase volatility.

Nifty Total Market ETF

Until recently, there was no ETF tracking the Nifty Total Market Index, which includes 750 stocks across large-cap, mid-cap, small-cap, and micro-cap segments. This makes it one of the most diversified ETFs in India, representing nearly the entire listed equity market.

Angel One Mutual Fund has introduced 2 new funds benchmarked to the Nifty Total Market TRI. The New Fund Offer (NFO) runs from February 10 to February 21, 2025, offering investors a chance to invest in a broad-market index.

Nifty 500

The Nifty 500 Index is a broad-market benchmark that represents the top 500 companies listed on the National Stock Exchange (NSE). It covers large-cap, mid-cap, and small-cap stocks, accounting for approximately 94% of the total market capitalisation of NSE-listed companies. This makes it one of the most comprehensive indices for tracking the performance of the Indian equity market. 

The index is well-diversified across sectors, with financials holding the largest weight (~29%), followed by information technology (~12%), energy (~10%), and consumer goods & services (~9%). Some of its top constituents include HDFC Bank, Reliance Industries, TCS, ICICI Bank, and Infosys.

Overall, the Nifty 500 serves as an excellent benchmark for passive investors seeking broad-market exposure, offering stability from large-cap stocks and growth opportunities from smaller companies.

Nifty Total Market Index vs Nifty 500 Index

Criteria Nifty Total Market Index Nifty 500 Index
Coverage 750 stocks (Large, Mid, Small & Microcap) 500 stocks (Large, Mid & Small-cap)
Constituents Stocks from Nifty 500 & Nifty Microcap 250 Top 500 companies by market cap
Top Sector (Weightage) Financial Services (28.55%) Financial Services (29.29%)
Top Stock (Weightage) HDFC Bank (6.99%) HDFC Bank (7.26%)
P/E Ratio 24.38 24.27
P/B Ratio 3.72 3.74
Dividend Yield 1.2% 1.22%
1-Year Return (%) 9.03% 8.98%
5-Year CAGR (%) 17.43% 16.96%
Since Inception Return 13.41% 10.74%

Key Differences

  1. Stock Universe: The Nifty Total Market Index includes microcap stocks, while the Nifty 500 does not.
  2. Broader Market Representation: The Nifty Total Market Index covers a more comprehensive range of stocks (750 vs. 500).
  3. Returns: The Nifty Total Market Index has slightly higher long-term returns than the Nifty 500.
  4. Volatility: Standard deviation and beta are slightly higher in the Nifty Total Market Index, indicating marginally higher risk.

Is the Extra Coverage Justified? Weighing the Cost vs. Diversification

While the Nifty Total Market ETF provides broader market exposure, the actual marginal benefit over the Nifty 500 ETF is limited. Here are key considerations:

  • Cost Consideration: The expense ratio of the Nifty Total Market ETF might be slightly higher due to its larger stock universe. Investors must evaluate if this additional cost is justified by marginally higher returns.
  • Diversification vs. Impact on Returns: While adding microcap stocks theoretically increases diversification, historical data suggests only a slight increase in long-term returns.
  • Risk Factor: Exposure to microcaps leads to higher volatility, which may not be suitable for risk-averse investors.

Who should invest?

  • Investors seeking maximum diversification, including microcaps, may prefer the Total Market ETF.
  • Investors comfortable with large & mid-cap exposure might find the Nifty 500 ETF sufficient, with slightly lower volatility.

Ultimately, the decision depends on an investor’s risk appetite and preference for extra diversification vs. stability.

Conclusion

While the Nifty Total Market ETF offers broader market exposure and slightly higher long-term returns, the marginal benefit over the Nifty 500 ETF is limited.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.

 

Closing Bell: Sensex, Nifty End Flat Amid Broader Market Selloff On February 27, 2025

On Thursday, February 27, 2025, Indian stock markets mainly remained flat despite selling pressure in broader indices. 

The BSE Sensex fluctuated between a high of 74,834 and a low of 74,521 before closing at 74,612, up 10 points. Meanwhile, the NSE Nifty 50 traded within a 100-point range, touching a high of 22,613 and a low of 22,508, before settling nearly unchanged at 22,545.

Top Gainers and Losers

Among Sensex stocks, Bajaj Finance and Bajaj Finserv led the gains, rising up to 3%, followed by IndusInd Bank, HDFC Bank, Zomato, and Axis Bank, which gained over 1% each.

On the other hand, UltraTech Cement dropped nearly 5% after announcing its entry into the wires and cables business. This news triggered a sharp selloff in other wire and cable makers, with KEI Industries, RR Kabel, and Polycan India tumbling up to 20%.

Other notable Sensex losers included Mahindra & Mahindra, Tata Motors, Kotak Mahindra Bank, SBI, NTPC, and HCL Technologies.

Broader Market Performance

The BSE MidCap index slipped 1%, while the SmallCap index dropped 2%. The market breadth was negative, with more than three declining stocks for every advancing share on the BSE.

Oil Prices

As of February 27, 2025, at 03:36 PM, Brent Crude was trading flat at $73.21, up by 0.94%.

Conclusion

Despite gains in select NBFC stocks, broader market weakness weighed on investor sentiment. Investors should stay cautious amid sectoral volatility and global cues.

 

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.

Best IT Stocks in India for March 2025 – 5Y CAGR Basis: Wipro, Infosys, Tech Mahindra and More

India’s IT sector plays a crucial role in driving economic growth and innovation. With expertise in software development, IT consulting, and business process outsourcing, the country has established itself as a global technology leader. The industry is projected to reach $350 billion by 2026, contributing 10% to India’s GDP. This article explores the top IT stocks in India for March 2025, ranked based on their 5-year CAGR.

Best IT Stocks in India in March 2025 – Based on 5yr CAGR

Name Market Cap (₹ Crore) ↓5Y CAGR (%) 1Y Return (%) Net Profit Margin (%)
Zensar Technologies Ltd 18,259.07 41.68 51.09 13.14
Coforge Ltd 51,049.25 32.22 15.78 8.74
Wipro Ltd 3,04,689.49 19 9.33 11.95
Infosys Ltd 7,32,277.97 17.23 6.48 16.56
Tech Mahindra Ltd 1,56,034.71 14.16 22.78 4.46

Note: The best IT stocks list provided here is as of February 27, 2025. The stocks are selected from the Nifty 500 universe and are sorted based on the 5-yr CAGR. 

Overview of the 5 Best IT Stocks in India in March 2025

1. Zensar Technologies Limited

Zensar Technologies Limited is a publicly listed Indian software and services company. It is a subsidiary of the RPG Group and is chaired by Harsh Goenka. 

In the quarter ending December 2024, Zensar Technologies reported a revenue of ₹559.20 crore, slightly up from ₹556.20 crore in September 2024. The company’s net profit for December stood at ₹153.20 crore, an increase from ₹116.20 crore in the previous quarter. 

Key metrics:

  • Earning per Share (EPS): ₹24.71
  • Return On Equity (ROE): 20.21%

2. Coforge Ltd

Coforge is a leading IT services provider offering comprehensive software solutions. It ranks among India’s top 20 software exporters, serving major global clients such as British Airways, the ING Group, SEI Investments, Sabre, and SITA. 

In Q3 FY24, the company reported a revenue of ₹1,432.7 crore, up from ₹1,325.8 crore in the previous quarter. The net profit stood at ₹105.9 crore, compared to ₹229.5 crore in Q2. 

Key metrics:

  • EPS: ₹106.30
  • ROE: 12.70%

3. Wipro Ltd

Wipro Ltd is a multinational company specialising in IT services, consulting, and business process solutions. It ranks as the fourth-largest Indian IT services provider globally, following TCS, Infosys, and HCL Technologies.

For Q3 FY24, Wipro reported a revenue of ₹16,803 crore, slightly down from ₹16,895.80 crore in the previous quarter. The company’s net profit stood at ₹2,812.10 crore, an increase from ₹2,713.50 crore in Q2. 

Key metrics:

  • EPS: ₹9.88
  • ROE: 16.38%

4. Infosys Ltd

Infosys Ltd offers consulting, technology, outsourcing, and next-generation digital services to help clients implement their digital transformation strategies. It is India’s second-largest IT company, following TCS.

In Q3 FY24, Infosys reported a revenue of ₹34,915 crore, up from ₹34,257 crore in the previous quarter. Net profit stood at ₹6,358 crore, compared to ₹6,813 crore in Q2. 

Key metrics:

  • ROCE: 40.0%
  • ROE: 31.8%

5. Tech Mahindra Ltd

Tech Mahindra Ltd offers a broad spectrum of IT services, including IT-enabled solutions, application development and maintenance, consulting, and enterprise business solutions. The company serves a diverse range of corporate clients across various industries.

For the quarter ended December 2024, Tech Mahindra reported a revenue of ₹11,176.2 crore, up from ₹10,938.6 crore in the previous quarter. The company’s net profit stood at ₹858.3 crore, compared to ₹1,293.8 crore in September 2024. 

Key metrics:

  • EPS: ₹33.76
  • ROE: 14.84%

Best IT Stocks in March 2025 – Based on Market Cap

Name ↓Market Cap (₹ Crore)
Tata Consultancy Services Ltd 13,13,202.96
Infosys Ltd 7,32,277.97
HCL Technologies Ltd 4,43,427.16
Wipro Ltd 3,04,689.49
Tech Mahindra Ltd 1,56,034.71

Note: The best IT stocks list provided here is as of February 27, 2025. The stocks are selected from the Nifty 500 universe and are sorted based on the market cap. 

Best IT Stocks in March 2025- Based on Net Profit Margin

Name ↓Net Profit Margin (%)
Infosys Ltd 16.56
Zensar Technologies Ltd 13.14
Wipro Ltd 11.95
Coforge Ltd 8.74
Tech Mahindra Ltd 4.46

Note: The best IT stocks list provided here is as of February 27, 2025. The stocks are selected from the Nifty 500 universe and are sorted based on the net profit margin. 

Important Factors to Consider Before Investing in IT Stocks in India

India’s IT sector offers immense growth opportunities, but making smart investment decisions requires analysing multiple factors. From company size to market trends, here’s what to evaluate before buying IT stocks.

  • Focus on Innovation and Technological Advancements

Innovation is a key driver of success in the IT industry. Businesses that develop and commercialise new technologies tend to perform better in the market. Investors should look for companies with patents, advanced solutions, and a strong track record of technological progress, as these elements can significantly enhance stock value.

  • Competitive Market Position

The IT sector is highly competitive, making it crucial to assess a company’s market position before investing. Factors such as product differentiation, strategic partnerships, and adaptability to changing market conditions play a crucial role in determining a company’s long-term success.

  • Industry Trends and Demand Growth

Emerging technologies like blockchain, artificial intelligence, and cloud computing are reshaping the IT landscape. Companies that embrace these advancements and align with evolving customer needs are more likely to achieve sustained growth. Keeping track of these trends helps in selecting promising stocks.

  • Economic Conditions and Market Influences

Macroeconomic factors such as GDP growth, interest rates, and consumer spending directly impact IT stocks. While economic slowdowns can pose challenges, growth phases present lucrative opportunities. Understanding broader market conditions can help investors assess the potential of the IT sector before making investment decisions.

Growth of India’s IT Sector

The IT and BPM industry has become a key pillar of India’s economic growth, significantly contributing to GDP and overall development.

According to NASSCOM, India’s IT industry generated $227 billion in revenue in FY22, reflecting a 15.5% year-on-year growth, and was estimated to have reached $245 billion in FY23. IT exports saw a 9% growth in constant currency terms, reaching $194 billion in FY23, while IT services exports were projected at $199 billion in FY24.

India’s public cloud services market expanded to $3.8 billion in the first half of 2023 and is expected to grow to $17.8 billion by 2027. By 2026, increased cloud adoption could generate 14 million jobs and contribute $380 billion to India’s GDP.

Conclusion

Beyond the stocks discussed, there are numerous other IT stocks in India worth considering. Investors should conduct thorough research by evaluating a company’s financial health, business strategy, and future growth potential before making investment decisions.

 

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.

Coforge Announces First-Ever Stock Split: Key Details for Investors

Coforge, a leading IT services company, has announced its first stock split to make its shares more affordable for investors. The company’s Board of Directors will meet on March 4, 2025, to finalise the details, subject to shareholder and regulatory approvals.

Why is Coforge Splitting its Stock?

A stock split helps lower the price per share, making it more accessible to retail investors while improving market liquidity. Once approved, the face value of shares will change, but the company’s overall market value will remain the same.

Reason Behind the Stock Split

Coforge aims to make its stock more affordable and increase investor participation. A lower price per share allows more people to invest and trade easily, boosting demand and attracting retail investors.

Coforge Q3FY25 Results

Coforge reported a net profit of ₹268 crore, reflecting a 10% growth in the December quarter. The company’s revenue increased to ₹3,318.2 crore, registering an 8.4% rise quarter-on-quarter (QoQ) and a 40.3% jump year-on-year (YoY) in constant currency. In dollar terms, the revenue grew 7.5% QoQ and 40.8% YoY. The EBITDA stood at ₹519 crore, marking a 29.3% increase compared to the previous year.

Stock Performance

As of February 27, 2025, Coforge share price stands at ₹7,436.65, reflecting a 2.58% decline for the day. The stock opened at ₹7,719.95, reaching a high of ₹7,719.95 and a low of ₹7,436.30. Over the past 6 months, Coforge has gained 22.40%, while in the past year, it has risen by 13.44%. Looking at a 5-year period, the stock has surged 275.05%, adding ₹5,458.65 to its value.

Conclusion

Coforge’s stock split aims to attract more investors by lowering share prices while its strong financial performance continues to drive long-term growth.

 

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.

Hindustan Zinc vs Vedanta: Which is the Better Dividend Stock?

A company pays dividends from its earnings, making dividends sustainable only as long as the company is profitable. Over the past 5 months, Indian stock markets have experienced a significant downturn due to weak quarterly earnings, geopolitical tensions, and other factors.

With Trump’s tariff imposition and growing uncertainty, markets may see further declines. However, investors often turn to dividend stocks during such uncertain times for stable and consistent returns.

Dividend investing is a time-tested strategy, with several studies indicating that dividend-paying stocks outperform non-dividend stocks in the long term. Typically, these stocks pay regular dividends and increase them annually, earning them the title of “Dividend Aristocrats.” These stocks are considered fundamentally strong, stable, and possessing good growth potential.

In this article, we compare Vedanta and Hindustan Zinc, 2 prominent dividend-paying stocks, to determine which offers better value for investors.

Business Overview

Hindustan Zinc

Founded in 1966, Hindustan Zinc is the world’s second-largest integrated zinc producer and third-largest silver producer. A subsidiary of Vedanta Limited, it dominates the zinc, silver, and lead industries.

The company is self-reliant in terms of power, with captive thermal power plants ensuring lower operational costs. Backward integration through power production and access to low-cost, high-grade zinc reserves strengthen its business model.

Manufacturing Capacity

Hindustan Zinc has a metals production capacity of 1.12 million tonnes (MT) and an ore production capacity of 16.52 MT. It also operates a captive power capacity of 603.1 MW.

Its integrated zinc-lead-silver operations include:

  • Zinc smelting capacity of 913,000 tonnes per annum (TPA)
  • Lead smelting capacity of 210,000 TPA
  • Silver production capacity of 800 TPA

Revenue Distribution

Hindustan Zinc generates 75% of its revenue from India, with the remaining 25% coming from exports.

Vedanta

Vedanta is a diversified natural resource company engaged in exploring, extracting, and processing minerals, oil, and gas.

The company is a major producer of zinc, lead, silver, copper, aluminum, iron ore, nickel, and oil & gas. It holds a near-monopoly in certain sectors, being India’s only nickel producer, one of the country’s largest private crude oil producers, and one of its largest iron ore miners.

Manufacturing Capacity

Vedanta has a significant presence in multiple industries with:

  • Aluminium production of 2.4 MTPA
  • Iron ore production of 5.6 Dry Metric Tonnes (DMT)
  • Steel production of 3.5 MTPA
  • Ferro alloys production of 80 kilo tonnes (KT)
  • Copper production of 141 KT
  • Power generation capacity of 11 gigawatts (GW)

Global Presence

Vedanta has operations across India, Namibia, South Africa, UAE, Australia, and Ireland.

Beyond mining and metals, Vedanta has expanded into commercial power generation, steel manufacturing, port operations in India, and glass substrate manufacturing in South Korea and Taiwan.

Market Cap Comparison

Hindustan Zinc has a market capitalisation of ₹1,802.5 billion, while Vedanta stands at ₹1,712.9 billion.

Market Share Leadership

Hindustan Zinc commands a 75% market share in zinc production in India, while Vedanta holds a 45% market share in aluminium production. Since Vedanta owns a controlling stake in Hindustan Zinc, it indirectly dominates the zinc industry as well.

Stock Market Performance

Vedanta share price has gained 62% in one year, whereas Hindustan Zinc share price has risen 37% in the same period. Both have outperformed the Nifty 50 index, which rose just 2.6% over the year.

Financial Performance

Revenue Comparison

Vedanta has a higher revenue base and a better growth rate than Hindustan Zinc.

Company FY2020 FY2021 FY2022 FY2023 FY2024 5-Year CAGR
Hindustan Zinc ₹185,610 Million ₹226,290Million ₹294,400 Million ₹340,980 Million ₹289,320 Million 9.3%
Vedanta ₹844,47 Million ₹880,210Million ₹1,327,320Million ₹1,473,080Million ₹1,437,270Million 11.2%

Profitability

Hindustan Zinc has higher EBITDA and net profit margins, while Vedanta has shown a stronger revenue growth trajectory.

EBITDA Growth:

  • Hindustan Zinc: 6.4%
  • Vedanta: 10.2%

Net Profit Growth:

  • Hindustan Zinc: 2.7% CAGR
  • Vedanta: Significant turnaround due to coal acquisitions

EBITDA Margins (3-Year Avg.):

  • Hindustan Zinc: 55.2%
  • Vedanta: 29.1%

Net Profit Margins (3-Year Avg.):

  • Hindustan Zinc: 30.1%
  • Vedanta: 11%

Dividend Analysis

Dividend Per Share

Company 2003 Dividend FY2024 Dividend FY2025 Declared Dividend
Hindustan Zinc ₹0.8 ₹13 ₹19 (more expected)
Vedanta ₹1.65 ₹29.5 ₹43.5 (more expected)

Dividend Growth Rate (Last 5 Years)

Vedanta has experienced a 48.9% growth in dividends, whereas Hindustan Zinc has seen a 4.7% decline.

Dividend Payout Ratio (3-Year Avg.)

  • Hindustan Zinc: 151.1%
  • Vedanta: 158.8%

Dividend Yield (5-Year Avg.)

  • Hindustan Zinc: 11%
  • Vedanta: 13.8%

Debt and Financial Stability

Debt-to-Equity Ratio

Hindustan Zinc has a low debt-to-equity ratio of 0.3, making it financially stable, while Vedanta has a higher debt burden at 1.7.

Cash and Liquid Investments (Sept 2024)

Hindustan Zinc holds ₹79.4 billion in cash and liquid investments, whereas Vedanta holds ₹21.7 billion.

Capital Expenditure Plans

Hindustan Zinc has planned ₹50 billion in capex, focusing on maintaining operations, while Vedanta has a ₹180 billion capex plan, aiming to expand aluminium and coal capacities.

Financial Efficiency

Metric Hindustan Zinc (3-Year Avg.) Vedanta (3-Year Avg.)
Return on Equity (RoE) 53.5% 32.7%
Return on Capital Employed (RoCE) 68.5% 35.3%

Conclusion

Hindustan Zinc is ideal for low-risk investors seeking stability, while Vedanta is better for those looking for higher dividend growth and revenue expansion.

 

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.

Zydus Lifesciences Launches India’s First Quadrivalent Flu Vaccine

Zydus Lifesciences has introduced a new vaccine to shield against the latest strain of the influenza virus. The Ahmedabad-based pharmaceutical company announced on Wednesday that it has launched India’s first quadrivalent influenza vaccine, VaxiFlu-4, based on WHO’s recommended composition.

VaxiFlu-4: Protection Against 4 Virus Strains

VaxiFlu-4 is a quadrivalent inactivated influenza vaccine that provides seasonal protection against 4 different virus strains, covering both Influenza A and Influenza B. This broader coverage helps reduce the risk of vaccine mismatch, ensuring better immunity.

Regulatory Clearance and Development

The vaccine has been approved by the Central Drug Laboratory (CDL) and was developed at Zydus’s Vaccine Technology Centre (VTC) in Ahmedabad. The company highlighted the importance of preventive healthcare and how vaccines play a crucial role in improving quality of life.

Need for Affordable Flu Vaccines in India

Zydus Lifesciences MD Sharvil Patel emphasised the growing need for affordable, high-quality vaccines in India to tackle healthcare challenges. He stated that annual immunisation with vaccines like VaxiFlu-4 can help prevent flu outbreaks and protect public health.

Influenza: A Growing Public Health Concern

Influenza is a contagious respiratory infection that spreads through airborne droplets from coughing, sneezing, or direct contact. It can cause mild to severe illness, with high-risk groups such as young children, the elderly, and individuals with chronic conditions being more vulnerable.

According to the WHO (World Health Organization), seasonal influenza causes between 2.9 lakh to 6.5 lakh deaths globally every year. With frequent outbreaks, controlling influenza has become a major public health challenge.

By launching VaxiFlu-4, Zydus aims to strengthen flu prevention and improve healthcare accessibility in India.

About Zydus Lifesciences Limited

Zydus Lifesciences Limited, previously known as Cadila Healthcare Ltd, is an Indian multinational pharmaceutical company based in Ahmedabad. It focuses on manufacturing generic medicines and was ranked 100th in the Fortune India 500 list in 2020.

As of February 27, 2025, at 11:16 AM IST, Zydus Lifesciences share price is trading at ₹879.95, down 0.34% (-₹3.00). The stock opened at ₹887.45, reached a high of ₹905.00, and a low of ₹872.35. The company’s market capitalisation stands at ₹88,540 crore, with a P/E ratio of 19.54 and a dividend yield of 0.34%. The 52-week high is ₹1,324.30, while the 52-week low is ₹855.10.

Conclusion

With VaxiFlu-4, Zydus enhances flu prevention in India, ensuring broader immunity and improved healthcare access.

 

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.

Star Cement to Invest ₹3,200 Crore in Assam, Signs MoU

Star Cement Ltd has announced plans to set up a ₹3,200-crore cement clinker and grinding plant in Assam. The company signed a Memorandum of Understanding (MoU) with the Assam government on Wednesday during the Advantage Assam 2.0 Investment and Infrastructure Summit 2025.

Key Agreements Signed

Star Cement’s Expansion in Assam

The new plant will help boost cement production in the state, creating jobs and strengthening infrastructure development.

Hydrogen and Steam Generation Plant

Matheson Hydrogen Pvt Ltd signed an agreement with the state government to set up a ₹1,500-crore hydrogen and steam generation plant, supporting green energy initiatives.

Healthcare and Education Investments

  • The Assam government also signed a ₹500-crore MoU with Global Health Ltd to enhance healthcare facilities.
  • 2 non-financial agreements were signed with ITE Education Service to support educational initiatives.

More Investments Expected

Chief Minister Himanta Biswa Sarma thanked the companies for their support and mentioned that more agreements would be signed throughout the day.

On day one of the summit, 164 MoUs were signed across 15 sectors, showcasing Assam’s potential as an investment hub.

About Star Cement Ltd

Star Cement Ltd manufactures and sells cement and clinker, catering to markets across northeastern and eastern India. It is the leading cement producer in Northeast India.

As of February 27, 2025, at 10:20 AM IST, Star Cement share price stands at ₹211.04, down ₹1.49 (0.70%) for the day. The stock opened at ₹213.01, reached a high of ₹213.59, and a low of ₹210.42 so far. The company’s market capitalisation is ₹8,530 crore, with a P/E ratio of 63.91. The stock’s 52-week high is ₹256.00, while its 52-week low is ₹171.55.

Conclusion

The investments in cement, green energy, healthcare, and education reflect Assam’s growing appeal as an investment destination. With more agreements expected, the state is set for significant industrial and economic growth.

 

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.