EMI Planning: What Should Be Your EMI If You Earn ₹50,000 Per Month?

If your monthly income is ₹50,000 and you’re planning to take a loan, one of the first questions that comes to mind is how much EMI you can manage. While the answer varies from person to person. 

What is an EMI? 

EMI, or equated monthly instalment, is the fixed amount you pay to the lender every month until the loan is fully repaid. It includes both the principal and the interest. The EMI amount depends on three main inputs: the loan amount, the rate of interest, and the tenure of the loan.  

The 40-50% Rule for EMIs 

Financial planners may recommend that your total EMIs should not exceed 40% to 50% of your monthly income. This rule ensures that you have enough left over for daily expenses, savings, emergencies, and lifestyle costs. 

  • At 40% of ₹50,000, your EMI limit would be ₹20,000 
  • At 50% of ₹50,000, your EMI limit would be ₹25,000 

This means you should ideally choose a loan tenure and amount that keeps your monthly EMI between ₹20,000 and ₹25,000. Staying closer to the 40% mark is safer, especially if you have other financial commitments or dependents. 

For example, you are thinking of taking a loan of ₹5 lakh with an interest rate of 10% per annum for a period of 5 years. Then your monthly EMI would be ₹10,624 per month. If you increase the loan about to 10 lakh, at the same interest rate and tenure, your EMI will be ₹21,247 per month.  

This can change depending on 3 important factors: loan amount, interest rate and tenure of the loan.  You can use an EMI Calculator and calculate the EMI.  

However, note that this 40-50% is not a fixed rule, this can vary person to person depending on their monthly expenses.  

How to Decide the Loan Amount? 

To determine how much loan you can take while staying within the comfortable EMI range, consider the following: 

  • Interest rate offered by the lender 
  • Loan tenure (shorter tenure = higher EMI, longer tenure = lower EMI but more interest) 
  • Type of loan (home, personal, car, etc.) 

While the EMI is a monthly commitment, other financial responsibilities like rent, groceries, savings, and personal expenses also demand attention. So before finalising any loan, it’s important to check whether the monthly instalment fits comfortably within your existing budget.  

In addition to the loan amount and tenure, the interest rate offered by the lender is a critical factor. Even a slight change in the interest rate can affect the EMI over time. Similarly, choosing a shorter repayment period may lead to higher EMIs, but the total interest you pay over the loan term will be lower. On the other hand, a longer tenure reduces your EMI but increases the overall interest burden. These are decisions you can explore through the calculator by comparing different scenarios. 

Learn: Can You Buy a Motorcycle with a Credit Card?

Conclusion  

There’s no one-size-fits-all answer to what EMI you should pay on a ₹50,000 salary. Paying more than you can handle might disrupt your monthly budget and financial goals, while paying too little might increase your loan tenure and total interest outgo. 

 

 

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. 

Anand Rathi Wealth Posts 33% Rise in FY25 Profit, AUM Hits ₹77,103 Crore

Anand Rathi Wealth Limited has announced its consolidated financial results for the quarter ending March 2025 (Q4 FY25) and the full fiscal year (FY25). 

On April 11, 2025, Anand Rathi Wealth share price opened at ₹1,158.00, up from its previous close of ₹1,131.85. At 10:16 AM, the share price of Anand Rathi Wealth was trading at ₹1,183.65, up by 4.58% on the NSE. 

Financial Performance Highlights 

For the full year FY25 (April 2024 – March 2025), the company reported a consolidated net profit of ₹301 crore, marking a 33% year-on-year (Y-o-Y) increase. Total revenue for the period stood at ₹981 crore, up 30% Y-o-Y. The Profit Before Tax (PBT) came in at ₹405 crore, while Assets Under Management (AUM) surged 30% Y-o-Y to ₹77,103 crore. 

The company’s mutual fund distribution revenue saw a sharp 52% Y-o-Y increase, reaching ₹406 crore. Net inflows rose significantly by 76% to ₹12,617 crore, with equity mutual fund inflows contributing ₹7,706 crore—up 67% Y-o-Y. The share of equity mutual funds in AUM also increased to 53% as of March 2025, from 51% in March 2024. 

Operational Updates and Dividend 

Anand Rathi Wealth continued to strengthen its Private Wealth segment. The number of active client families grew by 18% Y-o-Y to 11,732. The company also expanded its relationship manager (RM) base by 48 over the last 12 months, taking the total count to 380. 

A final dividend of ₹7 per equity share has been announced for FY25, subject to shareholder approval. The Return on Equity (ROE) for the year stood at an impressive 44.6%. 

Leadership Update 

Recognising his leadership and impact, Feroze Azeez has been promoted from Deputy CEO to Joint CEO, further strengthening the leadership team as the company gears up for its next phase of growth. 

Commenting on the performance for FY25, the management stated, “Our performance has remained consistent and market-agnostic. A study of the top 1,000 companies by market capitalisation showed that only six companies have delivered over 20% year-on-year growth every quarter since our listing in December 2021—and we are one of them. Despite a challenging market environment, we recorded our highest-ever quarterly net inflows of ₹3,472 crores, with full-year net inflows growing 76% year-on-year to ₹12,617 crores.” 

Conclusion 

Anand Rathi Wealth’s FY25 performance reflects its fundamentals, growing client trust, and strategic focus on equity-oriented investments. The leadership enhancement and dividend announcement further reinforce its commitment. 

 

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

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

Mid-Day Top Gainers and Losers on April 11: Hindalco, Tata Steel Lead Gainers

On April 11, 2025, at 12:17 PM, the NIFTY 50 stood at 22,912.30, up by 513.15 points (2.29%), while the BSE Sensex rose to 75,454.66, gaining 1607.51 points (2.18%). The mid-day top gainers and losers  for the day are: 

Mid-Day Top Gainers  

Company Name  Open (₹)  High (₹)  Low (₹)  LTP (₹)  % Change 
HINDALCO  585.00  601.15  576.10  600.00  6.38 
TATASTEEL  134.67  134.70  130.49  133.88  5.27 
JSWSTEEL  972.45  995.00  968.35  994.60  5.19 
COALINDIA  389.95  391.50  382.15  391.20  4.43 
TRENT  4,782.50  4,822.85  4,660.75  4,818.95  4.30 

Hindalco Industries 

Hindalco Industries share price opened at ₹585.00, touched a high of ₹601.15, and is now at ₹600.00, reflecting a 6.38% rise for the day. 

Tata Steel 

Tata Steel share price opened at ₹134.67, reached a high of ₹134.70, and is currently at ₹133.88, reflecting a 5.27% rise for the day. 

JSW Steel 

JSW Steel share price opened at ₹972.45, reached a high of ₹995.00, and is currently at ₹994.60, reflecting a 5.19% rise for the day. 

Coal India 

Coal India share price opened at ₹389.95, reached a high of ₹391.50, and is currently at ₹391.20, reflecting a 4.43% rise for the day. 

Trent 

Trent’s share price opened at ₹4,782.50, reached a high of ₹4,822.85, and is currently at ₹4,818.95, up by 4.30%. 

Mid-Day Top Losers 

Company Name  Open (₹)  High (₹)  Low (₹)  LTP (₹)  % Change 
ASIANPAINT  2,439.50  2,448.00  2,380.25  2,397.95  -0.55 
APOLLOHOSP  6,822.70  6,870.95  6,777.05  6,799.90  -0.50 

Asian Paints 

Asian Paints share price opened at ₹2,439.50, reached a low of ₹2,380.25, and is currently at ₹2,397.95, down by 0.55%. 

Apollo Hospitals Enterprise 

Apollo Hospitals Enterprise share price opened at ₹6,822.70, touched a low of ₹6,777.05, and is now at ₹6,799.90, reflecting a 0.50% decline for the day. 

Conclusion 

Markets surged on April 11, 2025, with metals leading the rally. While top gainers saw positive momentum, a few healthcare and paint stocks lagged. 

 

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. 

Dubai Gold Rate: What Is the Price of 22K and 24K Gold in Dubai Today, April 11, 2025?

Gold prices in Dubai change daily, influenced by global market trends, geopolitical developments, and currency fluctuations. Whether you’re looking to invest, buy jewellery, or simply stay updated, tracking these price movements can help you make smarter financial decisions. 

Here’s a look at today’s gold prices in Dubai 

Dubai Gold Rate Comparison: Today vs Previous Session 

The table below reflects Dubai gold rates per gram for April 11, 2025, as of 11:46 AM IST, and compares them with the rates from the previous day. All values are in AED. 

Type  Per Gram (Today)  10 Grams (Today)  Per Gram (Yesterday) 
24 Carat  386.50  3,865  379.25 
22 Carat  358.00  3,580  351.25 
21 Carat  343.25  3,432.50  336.75 
18 Carat  294.25  2,942.5  288.75 

Gold Price in Dubai Converted to Indian Rupees (INR) – 10 Grams Rate 

Using the current exchange rate of 1 AED = ₹23.4, here’s the approximate price of 10 grams of gold in (INR) Indian Rupees. 

Type  Price in AED (10g)  Price in ₹ (10g) 
24 Carat  3,865  90,441 
22 Carat  3,580  83,772 
21 Carat  3,432.50  80,320.50 
18 Carat  2,942.5  68,854.50 

Read More: Dubai Gold Price vs. India: How Much Can You Save After Import Duty? 

Conclusion 

On April 11, 2025, gold prices in Dubai witnessed a rise across all purity levels compared to the previous session. This upward trend reflects global market movements and demand shifts. Staying updated on daily rates helps buyers make timely and informed decisions. 

If you’re planning a purchase or investment, keeping track of AED-INR trends and daily gold rates can help you optimise your buying 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. 

Eternal (Zomato) Share Price Rose 3.12% on April 11; To Liquidate Dutch Subsidiary Zomato Netherlands

Eternal Limited (previously known as Zomato Ltd) has been in focus on Friday. On April 11, 2025, Eternal (Zomato) share price opened at ₹216.00, up from its previous close of ₹211.39. At 10:19 AM, the share price of Eternal was trading at ₹217.99, up by 3.12% on the NSE. As of the same time, the stock price touched its day’s high so far at ₹217.99.  

Initiates Liquidation of Dutch Subsidiary Zomato Netherlands 

The stock’s upward movement came amid the company’s announcement regarding the liquidation of its step-down subsidiary, Zomato Netherlands B.V., based in the Netherlands. Eternal Ltd notified the stock exchanges that the liquidation process of this subsidiary commenced on April 9, 2025. 

Zomato Netherlands, as disclosed in the company’s IPO documents from July 2021, has had no active business operations. Eternal Ltd emphasized that the subsidiary is non-material in nature and its dissolution will not impact the company’s financials. For the fiscal year ending March 31, 2024, Zomato Netherlands reported a turnover of nil and contributed 0% to the parent company’s revenue. Its net worth stood at a modest ₹0.32 crore, contributing 0.00% to Eternal’s overall net worth. 

The company also stated that the liquidation process is expected to be completed within one year, subject to receiving all necessary approvals. 

About Eternal Ltd 

Founded in 2010 as Zomato Limited, Eternal Ltd is a prominent online food service platform, recognized for its high food order value. Its diverse offerings include food delivery, dining-out services, loyalty programs, and more. As of December 31, 2020, Zomato had a solid presence in 23 countries, with a network of 1,31,233 active restaurants, 1,61,637 delivery partners, and an average of 10.7 million monthly food orders. 

Conclusion 

The liquidation of Zomato Netherlands is a part of Eternal Ltd’s strategy to streamline its global operations and close inactive subsidiaries. As the entity had no active business or significant financial contribution, the move is unlikely to have any material impact on the company’s revenue or valuation. 

 

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. 

USFDA Approves Biocon’s Cancer Drug Jobevne™

Biocon Limited has announced that its subsidiary, Biocon Biologics, has received approval from the U.S. Food and Drug Administration (USFDA) for Jobevne™ (bevacizumab-nwgd), a biosimilar version of Avastin® (bevacizumab).  

This monoclonal antibody is used in treating multiple forms of cancer and works by inhibiting angiogenesis, the formation of new blood vessels, thus restricting the tumor’s blood supply and growth. 

Strengthens Oncology Portfolio in the U.S. 

The approval of Jobevne™ marks a significant expansion of Biocon Biologics’ biosimilar oncology offerings in the United States, which already include OGIVRI (Trastuzumab-dkst) and FULPHILA (Pegfilgrastim-jmdb). This addition reinforces the company’s commitment to providing affordable biologics globally. 

Global Presence and Market Opportunity 

Biocon Biologics already markets Bevacizumab in Europe and Canada under the brand name ABEVMY, approved in 2021. The U.S. market presents a major opportunity, with sales of bevacizumab reaching ~$2 billion in 2023. 

Also Read: Cipla Gets USFDA Approval for Cancer Drug Paclitaxel.

Pioneering Leadership in Biosimilars 

Biocon Biologics is recognised for achieving multiple industry milestones, such as the first U.S. approvals for OGIVRI, FULPHILA, and the interchangeable biosimilar SEMGLEE (insulin glargine). The company currently serves over 5 million patients annually and maintains a strong development pipeline with 20 biosimilar assets, including monoclonal antibodies and insulins. 

The CEO and Managing Director of Biocon Biologics Ltd, Shreehas Tambe, said, “The U.S. FDA approval of JOBEVNE™ (bevacizumab-nwgd) is a significant milestone—our seventh biosimilar approved in the U.S. and a strong addition to our robust oncology portfolio. It underscores the depth of our scientific expertise and commitment to expanding access to high-quality, affordable biologics. We look forward to working with all stakeholders to bring more treatment options to patients.” 

Biocon Share Price Performance 

On April 11, 2025, Biocon share price opened at ₹320.00, up from its previous close of ₹306.30. At 10:07 AM, the share price of Biocon was trading at ₹315.65, up by 3.05% on the NSE. 

Conclusion 

The USFDA approval of Jobevne™ underscores Biocon Biologics’ leadership in biosimilars and reinforces its strategic position in the oncology space, strengthening access to affordable cancer therapies in the U.S. market. 

 

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. 

Cipla Share Price Rises 3.79% on Apr 11; Gets USFDA Approval for Cancer Drug Paclitaxel

Cipla Limited has announced that it received final approval from the United States Food and Drug Administration (USFDA) for its Abbreviated New Drug Application (ANDA) for Paclitaxel Protein-bound Particles for Injectable Suspension (albumin-bound), 100 mg/vial, on April 10, 2025.  

Protein-bound Paclitaxel 

This product is a generic therapeutic equivalent of Bristol Myers Squibb’s Abraxane®, and is AB-rated, confirming its bioequivalence to the reference drug. 

The drug, known as Protein-bound Paclitaxel, is used in the treatment of several severe cancer types including metastatic breast cancer, non-small cell lung cancer (NSCLC), and metastatic adenocarcinoma of the pancreas. Cipla plans to launch this product in the first half of FY2025–26 in the United States, expanding its oncology portfolio and strengthening its footprint in the U.S. generic injectables market. 

Read: Can You Buy a ₹56,000 Phone on EMI with a ₹30,000 Credit Limit?

About Cipla Ltd 

Cipla is a global pharmaceutical company with a focus on complex generics and expanding its portfolio across key markets, including India, South Africa, North America, and other regulated and emerging regions. With 46 manufacturing facilities worldwide, Cipla produces over 1,500 products across 50+ dosage forms, leveraging advanced technology platforms to serve more than 80 global markets. 

On April 11, 2025, Cipla share price opened at ₹1,460.00, up from its previous close of ₹1,415.60. At 10:00 AM, the share price of Cipla was trading at ₹1,469.30, up by 3.79% on the NSE. 

Conclusion 

This approval reaffirms Cipla’s focus on affordable oncology solutions and enhances its presence in the U.S. cancer care segment. 

 

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. 

 

Adani Energy Share Price in Focus; Secures ₹5,000 Crore in New Projects in Q4 FY25

Adani Energy Solutions Limited has been in focus on Friday. On April 11, 2025, Adani Energy share price opened at ₹860.70, up from its previous close of ₹837.40. At 9:41 AM, the share price of Adani Energy Solutions was trading at ₹848.80, up by 1.36% on the NSE.  

On April 10, the company provided its provisional operation update for Q4 and FY25.  

Transmission Network Sees Expansion 

The company reported a year-on-year growth in its transmission network, expanding to 26,696 circuit kilometres (ckm) by the end of FY25 from 20,509 ckm in FY24. In the quarter alone, Adani Energy added 140 ckm, while maintaining a high system availability of 99.7%. 

Key Project Wins and Execution Progress 

Adani Energy secured two major transmission projects during the quarter: 

  • Navinal (Mundra) Phase I Part-B 1 (₹2,800 crore) 
  • Mahan Transmission Project (₹2,200 crore)
    Together, these contribute to an under-construction order book that grew 3.5x to ₹59,936 crore, driven by increased bidding momentum. 

In terms of execution, the stringing work for Khavda Phase II Part-A and KPS-1 is now complete. The company expects full commissioning by April-end 2025. 

Green Energy Push in Mumbai 

Adani Energy is also progressing in its clean energy goals. As of March 31, 2025, 36% of power supplied to Mumbai came from renewable sources, with a target of reaching 60% by FY27. 

About Adani Energy Solutions Ltd 

Adani Energy Solutions Ltd (AESL), a key company within the Adani portfolio, operates across multiple segments of the energy sector, including power transmission, distribution, smart metering, and cooling solutions. It holds the distinction of being India’s largest private transmission company. 

Conclusion 

Adani Energy Solutions’ project pipeline, operational efficiency, and renewable energy push reflect fundamentals.  

 

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. 

Ashiana Housing Interim Dividend of ₹1 Record Date Today, April 11, 2025

Ashiana Housing Ltd’s Board of Directors has declared and approved an interim dividend of ₹1 per equity share.  

On April 9, 2025, Ashiana Housing share price opened at ₹262.00 and closed at ₹273.00, up by 3.96%. The stock price touched its day’s high at ₹290.00.  

Ashiana Housing Interim Dividend Record Date 

The company’s board of directors declared an interim dividend of ₹1 per equity share (50% on a face value of ₹2 each) for the financial year ending March 31, 2025. The company stated that the dividend will be paid on or before April 28, 2025, to shareholders whose names appear in the company’s Register of Members as of the record date, which has been fixed as Friday, April 11, 2025. 

Q3 FY 2025 Financial Highlights 

The company reported a total revenue of ₹139.93 crore in Q3FY25, marking a 135% increase from ₹59.53 crore in Q2FY25, primarily driven by higher deliveries during the quarter.  

The Profit After Tax (PAT) stood at ₹10.89 crore in Q3FY25, compared to a loss of ₹7.55 crore in the previous quarter. This turnaround in profitability was mainly due to improved deliveries. However, the PAT also includes a one-time impact of ₹5 crore related to a GST payout for the Treehouse Hotel, recorded as an exceptional item in the profit and loss statement. 

Also Read: Home Loan Interest Rates to Ease After RBI Repo Rate Cut.

About Ashiana Housing Ltd 

Ashiana Housing is primarily engaged in the business of real estate development. The company focuses on developing residential and commercial properties. 

 

 

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. 

Stocks To Watch Today on April 11, 2025: TCS, Anand Rathi Wealth & More in Focus

On Friday, April 11, 2025, the Indian benchmark indices Sensex and Nifty 50 are expected to open on a positive note, despite weak global market cues. Check out a few stocks that might be in focus during the trading session. 

Tata Consultancy Services (TCS) 

Tata Consultancy Services reported a 1.7% year-on-year (YoY) decline in its net profit for the March quarter (Q4FY25), amounting to ₹12,224 crore. The company cited increased market uncertainty, delays in decision-making, and ramp-downs of ongoing projects as key reasons. While the management remains optimistic about FY26 being stronger than FY25, it acknowledged the possibility of facing near-term headwinds. 

Anand Rathi Wealth 

Anand Rathi Wealth reported a 30% YoY rise in its Q4FY25 net profit, reaching ₹74 crore. The company’s total revenue also grew by 22% to ₹241.4 crore. In addition, the board has recommended a final dividend of ₹7 per equity share for the financial year. 

Hindustan Copper 

Hindustan Copper announced via a stock exchange filing that it has successfully resumed ore production at the Kolihan copper mine, part of its Khetri Copper Complex located in Khetrinagar, Rajasthan. 

SRF 

SRF Limited confirmed the commissioning and capitalisation of a new facility at Dahej, Gujarat, designed to produce agrochemical intermediates. The total investment in this project stood at ₹239 crore, with the commissioning completed on April 10, 2025. 

BLS International 

BLS International Services’ subsidiary, BLS International FZE, is set to acquire 99.90% of the share capital of BLS Ventures S.R.L., a company registered in the Dominican Republic. Upon completion, BLS Ventures will become a wholly-owned step-down subsidiary of BLS International. 

Biocon 

Biocon Biologics, a subsidiary of Biocon, has secured final approval from the USFDA for Jobevne™ (bevacizumab-nwgd), a biosimilar used in the treatment of various cancers. This approval strengthens the company’s biosimilar oncology portfolio in the US market. 

Eternal (Zomato) 

Eternal Limited, formerly Zomato, disclosed that its Netherlands-based step-down subsidiary, Zomato Netherlands BV, began the process of liquidation on April 9, 2025. 

Conclusion 

Apart from these, several other stocks may remain in focus throughout the day due to market trends and company-specific developments. Keep an eye on key updates and market movements. 

 

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.