NTPC Green Energy Starts Final 100 MW Operations at Bhainsara Solar Project

NTPC Green Energy Ltd. (NGEL) has announced the commercial operation of the final 100 MW phase of its 320 MW Bhainsara Solar PV Project located in Jaisalmer, Rajasthan. The company received a certificate from the Rajasthan Renewable Energy Corporation Limited (RRECL) on March 25, 2025, confirming the start of operations, effective from March 20, 2025.

As of 12:43 PM on March 26, NTPC Green Energy share price was trading at ₹100.20, down ₹0.05 (0.05%) for the day, but up 7.71% over the past month and down 17.63% over the past six months. The company’s market capitalisation stood at ₹84,389.69 crore.

Project Timeline and Breakdown

The Bhainsara Solar PV Project was developed in 3 parts:

  • The first phase of 160 MW began operations on August 28, 2024.
  • The second phase of 60 MW was commissioned on January 7, 2025.
  • The third and final phase, now operational, adds 100 MW.

With the completion of all 3 phases, the total commissioned capacity of the Bhainsara project stands at 320 MW.

Group-Wide Capacity Update

Following the commercial operation of the final phase, NTPC Group’s total installed and commercial capacity has reached 77,561.50 MW.

About NTPC Green Energy

NTPC Green Energy Ltd. is a subsidiary of NTPC Renewable Energy Ltd., itself a step-down subsidiary of NTPC Ltd. The Bhainsara project was awarded under the SECI Raj-Tranche-III tender.

NTPC Green Energy reported a net profit of ₹65.61 crore in Q3 FY25, marking an 18% increase from the ₹55.61 crore profit in the same quarter last year.

  • Total income rose to ₹581.46 crore, compared to ₹463.46 crore in Q3 FY24.
  • Expenses were reported at ₹482.22 crore, up from ₹383.28 crore.

Conclusion

The Bhainsara Solar PV Project is now fully operational with all 3 phases commissioned. NTPC Green Energy continues to add to the NTPC Group’s overall renewable energy 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.

Follow-On vs. Averaging Down: When Should You Double-Down on a Losing Investment?

Every cricket match has its turning points. In some cases, there are times when a team is forced to follow on after a dismal first innings.

In the world of investing, when your portfolio takes a hit, you face a similar decision: should you double down — or, in other words, average down — on a losing investment?

Doubling down is a bold move where you buy more shares at a lower price to reduce your average cost, provided that the underlying fundamentals remain intact.

The answer isn’t black and white. It requires a clear strategy, careful analysis, and the right tools at your disposal.

Follow-on: A Calculated Risk for a Comeback

Imagine you’re the captain of a winning team in a test match. Your team has posted a massive first-innings total, giving you a commanding lead.

With that advantage, you decide to enforce the follow-on, forcing the opposition to bat again. This decision, though a clear sign of your dominance, isn’t taken lightly. It is a calculated risk that could either push the opposition into further collapse or, if underestimated, allow them to stage an unexpected comeback.

In investing, doubling down on a losing investment is much the same. Doubling down is a move that demands confidence in your analysis and the conviction that the dip is temporary, with the underlying fundamentals remaining intact.

Double-Down Only When Fundamentals are Sound

When considering whether to double down, one key aspect is to understand why the stock’s price has fallen. Has it hit a temporary snag due to market overreaction, or is there a deeper, fundamental issue at play?

Averaging down works best when you are convinced that the fundamentals are sound. In these scenarios, buying more shares at a lower price reduces your average cost and sets the stage for future gains when the market corrects itself.

In such situations, the Margin Trading Facility on the Angel One app (with which you can Buy Now and Pay Later), gives you access to additional funds.

With margin trading, you can quickly double down when you identify a temporary mispricing in the market. It’s like giving your batting order a quick second wind, providing the extra firepower needed to challenge the opposition’s lead.

Of course, caution is crucial here. Using margin amplifies both gains and losses, so a robust risk management plan must always be in place.

Making a Comeback: Cut Losses With Diversification

Another powerful tool in your arsenal is diversification. This can be an important play when you realize that a stock is collapsing due to shifting fundamentals.

Diversification is crucial in a follow-on. As a captain, you have the advantage of foresight when it comes to the losses you might have suffered, but you cannot expect the same results without changing your strategy.

Diversification is a corrective action that can rescue you in a follow-on. With the Basket Order feature on Angel One, you can place multiple orders at once to activate this strategy, effectively diversifying your position when a key stock in the portfolio is undergoing a downturn.

Now, you’re spreading risk and positioning your overall portfolio for a balanced recovery—much like a well-constructed batting lineup that adapts to changing conditions.

Second Innings: The Art of Rebuilding

After a follow-on, the losing team’s second innings are crucial. With renewed focus, the team carefully rebuilds its batting order, consolidating its lead while minimizing risks.

In investing, your second inning begins after you’ve doubled down. You reassess your portfolio, trim exposure to persistently underperforming assets, and strengthen your core holdings.

This phase is about stabilizing your position and preparing for the market’s eventual rebound. It’s a time for thoughtful adjustments and strategic consolidation. It bolsters your future gains.

Moving Ahead After a Follow-On

Successful investors know that the market’s ups and downs are an inherent part of the game.

Just as a team endures unsuccessful innings and then rallies back with renewed determination, an investor must have the resilience to weather losses and the insight to capitalize on opportunities.

Equipped with features like Margin Trading, Basket Orders, and investor support from SEBI through Smart ODR, you can navigate challenging times with your strategic acumen.

At the end of the day, averaging down is about seizing a moment when the market overreacts – taking a calculated risk based on sound fundamentals and positioning yourself for a turnaround.

The decision should be grounded in thorough analysis, a clear understanding of risk, and the confidence to trust your strategy.

Embrace the challenge, learn from every downturn, and remember: in the game of investing, every setback is simply an opportunity to refine your strategy, gather momentum, and ultimately turn the tables in your favor.

By being prepared and using the right tools, you can transform a losing investment into the starting point for a remarkable comeback.

Disclaimer: This blog has been written exclusively for educational purposes. http://bit.ly/usSGoH

Not Every Ball Needs to Be Hit for a Six: Learning to Say No to Overhyped Stocks

In cricket, a great batsman knows that not every delivery is meant to be hit for a six. Sometimes, the smartest play is to leave a ball that doesn’t suit your style or the match conditions. 

Similarly, in the world of investing, it’s crucial to learn when to hold back and say no to overhyped stocks. 

While the market is often abuzz with sensational news and soaring expectations, not every trending stock is worth your swing. 

Instead, a disciplined approach, backed by the right tools and sound research, can help you filter out the noise and focus on opportunities that truly match your investment style.

Know Why Emergency Funds Are an Absolute Must Have?

Know When To Swing, And When To Leave

Overhyped stocks are often propelled by media buzz, rumors, or short-term market sentiment. 

A stock featured prominently in the news might seem like the perfect candidate for a big hit. Often, these stocks are marked by high volatility and inflated expectations, which can lead to steep losses when reality sets in.

Just like in cricket where a ball that looks promising might turn out to be a tricky delivery, these stocks may not always have the solid fundamentals needed to justify a big investment. 

The adrenaline rush from chasing a trendy tip can lead to impulsive decisions, often resulting in more harm than good. Here, the art of knowing when to swing—and when to leave—is paramount.

Action Replay: Identifying Tricky Deliveries

Imagine you’re facing a barrage of balls, and you have a tool that helps you instantly filter out which deliveries are likely to be hit for a six. 

Angel One’s Stock Screener functions in much the same way, allowing you to sift through a long list of available stocks and select only those that meet your specific criteria. 

Whether it’s valuation, growth potential, or technical performance, the Angel One super app has the tool you need to focus on companies that have solid foundations. 

Rather than getting carried away by fleeting headlines, you’re able to base your decisions on measurable, data-driven insights.

Trusted Insights into Each Delivery

Angel One’s Research Recommendations, offered by seasoned analysts, serve as the coach on the sidelines, providing you with expert advice on whether a particular stock is worth chasing. 

These recommendations offer a comprehensive analysis of market trends, company performance, and economic indicators. 

In cricket, a coach might advise a batsman to wait for the right ball based on pitch conditions and the bowler’s style. 

In investing, research recommendations serve as your coach in real-time. They help you determine if an overhyped stock is simply the result of temporary market euphoria or if it has long-term potential. 

With these insights, you’re better equipped to decide when to take a swing and when to hold back.

Two balls of shadow batting:

  • Just because an IPO of a brand you buy from is in the news doesn’t mean that you should invest in it. Stocks or offerings in the news can create a sense of urgency, but you need to look beyond this hype. 
  • Often enough, stocks feature in the news after they make significant climbs, and are no longer headed for further climbs. If you are trading short term, it’s best to keep your head clear by focusing on what your analysis reveals.

So, How Do You Learn When To Hit?

The key is to develop a disciplined investment strategy that filters out the noise in the market news, and is grounded in analysis. 

Use the Stock Screener to narrow down the set of stocks to those that meet your specific criteria. Play in a sector you understand, or consult Research Recommendations to gauge the long-term viability of these selections. Do not attempt cut shots if they are not your forte.

Finally, monitor stocks in news to stay informed about market trends without getting swept up in the hype. 

This balanced approach is not different from a captain who meticulously plans his innings, ensuring that every decision is based on a clear game plan rather than impulsive action.

Centuries Are Made Through Quality, Not Quantity

By learning to say no to overhyped stocks, you protect your portfolio from the pitfalls of impulsive decisions and market volatility. This begins by adopting a measured approach that focuses on quality over quantity. 

Just as a batsman preserves his energy and sharpens his focus for the deliveries that truly matter, you too can conserve your capital and channel it into investments that offer genuine promise. 

This strategy not only minimizes risk but also positions you to benefit from sustained, long-term growth.

In the end, the wisdom lies in recognizing that every stock, like every ball, does not require an aggressive response. 

There is tremendous value in patience and in letting the market’s natural rhythms play out. 

Embrace the discipline of selective investing, rely on the right tools and trusted research recommendations. 

And remember: not every opportunity is a six waiting to be hit. By choosing wisely, you can build a portfolio that delivers consistent performance without being derailed by fleeting market hype.

Learn Why Early Investments Set the Foundation for Long-Term Success!

Disclaimer: This blog has been written exclusively for educational purposes. http://bit.ly/usSGoH

Make Your First Crore with SIP; Here’s How Investing ₹20,000 Monthly Can Help You Achieve It

In the journey of wealth creation, reaching your first crore is a significant milestone. While there are several ways to grow your wealth, one of the most effective and disciplined methods is through a Systematic Investment Plan (SIP). Not only does it allow you to save regularly, but it also helps your money grow at attractive rates over time. In this article, we’ll examine the probability of making ₹1 crore or more by investing ₹20,000 per month in SIP.

Scenario 1: Expected Return of 12% Over 15 Years

Let’s explore the first scenario where you invest ₹20,000 every month for 15 years at an expected annual return of 12%.

  • SIP Amount: ₹20,000
  • Expected Return: 12% per annum
  • Investment Period: 15 years

After 15 years, the total value of your investment will be ₹1,00,91,520. Here’s the breakdown:

  • Invested Amount: ₹36,00,000
  • Estimated Returns: ₹64,91,520

This scenario clearly shows that with consistent investing and a decent return rate, you can not only meet your goal but also surpass it.

Scenario 2: Expected Return of 15% Over 14 Years

Now, let’s consider a slightly higher return rate of 15% over a shorter period of 14 years. A higher return can accelerate wealth creation, but it comes with higher risks.

  • SIP Amount: ₹20,000
  • Expected Return: 15% per annum
  • Investment Period: 14 years

In this scenario, the total value of your investment after 14 years would be ₹1,14,38,111. Here’s the breakdown:

  • Invested Amount: ₹33,60,000
  • Estimated Returns: ₹80,78,111

While the invested amount is slightly lower, the higher return makes a significant difference, bringing you well over ₹1 crore.

Scenario 3: Expected Return of 10% Over 17 Years

Finally, let’s take a more conservative approach and assume a return of 10% over a period of 17 years. This scenario is more cautious but still shows that SIP can be a powerful tool for wealth creation.

  • SIP Amount: ₹20,000
  • Expected Return: 10% per annum
  • Investment Period: 17 years

With this setup, your total investment value after 17 years will be ₹1,07,33,966. Here’s the breakdown:

  • Invested Amount: ₹40,80,000
  • Estimated Returns: ₹66,53,966

Though the returns are lower than in the previous scenarios, the long investment horizon ensures you still reach ₹1 crore. You can check further calculations using the SIP calculator. 

Conclusion

While making ₹1 crore through SIP is certainly possible, it depends on factors such as the amount you invest, the expected rate of return, and the length of time you remain invested. As demonstrated in the three scenarios, investing ₹20,000 every month can result in substantial wealth creation with consistent returns and disciplined investing.

Remember, SIP is not a one-size-fits-all solution, and returns can vary depending on market conditions. However, by starting early and investing regularly, you can put yourself on the path to reaching your financial goals.

Indian Railways Plans 15% Increase in Capex to ₹3 Lakh Crore for FY27

As per a news report, Indian Railways, one of the world’s largest railway networks, is gearing up for a substantial increase in its capital expenditure (capex) for the fiscal year 2027 (FY27). According to a recent news report, the capex allocation is expected to rise by 15% to over ₹3 lakh crore, marking a significant milestone in the country’s rail infrastructure development. This increase comes after a flat capex allocation for FY26, which stood at ₹2.62 lakh crore. With the country’s economic growth and demand for enhanced transportation infrastructure, Indian Railways is focusing on a wide range of initiatives aimed at modernisation, safety, and network expansion.

Reasons for the Capex Increase

As per the report, several factors contribute to the expected rise in capital expenditure for Indian Railways. The FY26 allocation remained flat due to political and fiscal constraints. The government had to ease tax policies to boost consumption, including exemptions on income tax up to ₹12 lakh. However, the Indian government has emphasised reducing logistics costs as a primary goal, necessitating the expansion of the rail network and modernisation of existing systems.

The significant increase in the capex will primarily focus on four key areas: network infrastructure, rolling stock, safety improvements, and station redevelopment. These areas are essential for the development of a world-class rail system that can cater to both domestic and international demands.

Key Areas of Investment

1. Network Infrastructure and Rolling Stock Expansion

One of the largest investments will be directed towards enhancing the rail network, including the expansion of tracks, new lines, and increased rolling stock. Rolling stock includes locomotives, coaches, and wagons, all of which are essential for improving the efficiency and capacity of the rail network.

For example, the production of coaches has grown significantly, from 3,731 coaches in FY13 to 6,550 in FY24, with plans to ramp up production to 8,000 per year. Similarly, the production of wagons has tripled over the past decade, with plans to manufacture over 30,000 wagons annually. This expansion will help the Indian Railways meet the growing demand for passenger and freight transportation.

2. Safety Upgrades and Technology Implementation

Passenger safety remains a top priority for Indian Railways. To this end, the railway is working on rolling out advanced safety features such as the Kavach system, an indigenously developed automatic train protection system. The next phase of Kavach will require substantial investments, especially for equipping 10,000 locomotives with the system and implementing track-side works for 15,000 route kilometres.

The Indian Railways has already awarded contracts for 1,865 route kilometres and plans to continue the work at a rapid pace. The system will help prevent accidents caused by human error and improve overall safety across the network.

3. Modernisation Projects: Bullet Trains and More

In addition to traditional railway development, the Indian Railways is working on futuristic transportation technologies, including bullet trains, hydrogen-powered trains, and the Hyperloop system. These projects are expected to gain momentum from FY26 onwards and will serve as critical components of the country’s transport infrastructure in the coming years. The government has recognised that the success of these initiatives will not only modernise Indian Railways but will also contribute significantly to the country’s long-term economic growth.

Future Outlook

With the 15% increase in capex for FY27, Indian Railways is well-positioned to meet the growing demands of the country’s transportation network. The expansion of infrastructure, adoption of new technologies, and focus on passenger safety are critical steps in transforming the Indian Railways into a modern, world-class service provider. As the railways continue to modernise, they will play a key role in driving down logistics costs and contributing to the overall efficiency of the Indian economy.

Conclusion

Indian Railways’ substantial increase in capex in FY27 reflects the government’s commitment to modernising the country’s rail network. With a focus on network expansion, rolling stock, safety, and new technology initiatives, the railway sector is set to undergo significant transformations that will benefit millions of passengers and contribute to India’s 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.

Engineers India Secures International Contracts Worth ₹730 Crore

Engineers India Limited (EIL) has recently announced the award of 2 major contracts in the Middle East, which are expected to contribute significantly to the company’s portfolio. The contracts, awarded by international clients, focus on Project Management Consultancy (PMC) Services and Engineering & Project Management Services.

Contract Overview

The combined estimated value of these 2 contracts is approximately ₹730 crore. These agreements further strengthen EIL’s foothold in the global market, particularly in the Middle East, a region known for its booming infrastructure and engineering sectors.

  • Project 1: PMC Services – This contract focuses on the delivery of Project Management Consultancy services, essential for large-scale infrastructure projects. The contract is valued at approximately ₹650 crore and is scheduled to span a period of five years.

  • Project 2: Engineering & Project Management Services – The second contract, valued at ₹80 crore, pertains to the provision of engineering and project management services for various projects over a 4-year term.

Share Price Movement

The share price of EIL made an intraday high of ₹174 and finally settled at 163.28 on March 25, 2025 on NSE. 

Confidentiality of Client Details

Due to confidentiality agreements, the names of the clients awarding these contracts remain undisclosed. However, it is noted that both projects are based in the Middle East, a region where EIL has increasingly been active due to its growing reputation for delivering large-scale engineering projects.

Terms and Conditions of the Contracts

While specific details regarding the nature of the contracts cannot be disclosed, it is important to note that the agreements are expected to be executed at arm’s length, meaning there is no conflict of interest with any related party transactions.

Conclusion

These contracts are an important step forward for Engineers India Limited, reinforcing the company’s position in the global engineering services market. With a robust presence in international markets, these new projects are expected to further enhance EIL’s credibility and operational capacity in the Middle East.

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.

IFB Industries Stock in Buzz After Govt Imposes Anti-Dumping Duty on Roller Chains from China

Shares of IFB Industries Ltd recently experienced significant intraday movement, reaching a high of ₹1,349 before trading at ₹1,293.75 as of 3:25 PM on March 25, 2025. The stock was down by 1.2% during this period, largely influenced by the imposition of anti-dumping duties on specific imports.

This price change draws attention to the company’s performance amid changes in government regulations and their potential impact on IFB’s operations.

Anti-Dumping Duty and Its Impact

The government has introduced an anti-dumping duty on roller chains imported from China. IFB Industries, which had advocated for such a duty, sees this move as a positive step for curbing unfair competition. Roller chains are critical components in a variety of machinery, including those used in industrial equipment, and IFB Industries’ request for anti-dumping duty was driven by the need to protect domestic manufacturing.

In addition to roller chains, the Directorate General of Trade Remedies (DGTR) has proposed anti-dumping duties on other products, including Pretilachlor, a herbicide used in rice and paddy fields, and acetonitrile imports from China, Russia, and Taiwan. These measures are aimed at addressing unfair trade practices and supporting domestic producers in various sectors.

Performance Review: Q3 FY25

Despite the challenges posed by external market conditions, IFB Industries has demonstrated solid growth in the third quarter of FY’25. The company reported an 8% increase in revenue, although performance was slightly affected in November and December, primarily due to the impact of the festive season in October, which generally boosts revenue.

Key Performance Metrics

  • EBITDA Growth: 27%
  • EBT Growth: 39%
  • PAT Growth: 45%

The remarkable growth in profit after tax (PAT) can be attributed to a reduction in interest costs, which significantly boosted overall profitability.

Cost-Down Initiatives and Future Expectations

Looking ahead, IFB Industries has set ambitious goals to further improve its margins. The company is focused on a cost-down initiative aimed at reducing ₹200 crores over the next 18 months. Management expects to see notable improvements within the first 12 months, driven by efforts to optimise various aspects of the business.

These initiatives include reducing machine weight, improving logistics, and refining product design—each contributing to increased cost efficiency. IFB Industries’ commitment to these measures is expected to enhance the overall financial health of the company in the coming months.

Conclusion

IFB Industries Ltd is navigating the complexities of the market with a strategic focus on cost efficiency and regulatory changes. While recent stock price movements are influenced by external factors such as anti-dumping duties, the company’s strong Q3 FY’25 performance and ongoing cost reduction efforts provide a solid foundation for future growth.

In the short term, the company’s proactive approach to cost-cutting, along with regulatory changes that support domestic manufacturing, may help buffer against any potential market volatility. Investors and industry observers will likely keep a close eye on the company’s continued progress in the coming quarters.

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 Your Savings Balance Impact Your CIBIL Score? Here’s the Truth

Your credit score plays a crucial role in securing loans and credit cards, but many are left wondering: does my savings account balance affect my CIBIL  score? Let’s break this down.

No Direct Link Between Savings and Credit Score

Credit scores, such as the CIBIL score, are based solely on your credit behaviour—how you manage borrowed money. This includes:

  • Credit cards
  • Loans
  • Repayment history
  • Outstanding balances
  • Credit utilisation
  • Number of inquiries

A savings account, on the other hand, is not a credit facility—you’re not borrowing money. Since there’s no debt involved, it doesn’t show up on your credit report and has no direct bearing on your credit score.

What Affects Your Credit Score?

Let’s explore the primary factors that influence your credit score:

1. Payment History

This is the most important factor. If you miss payments by more than 30 days, it negatively affects your score. Lenders report such delays to credit bureaus like CIBIL. 

2. Credit Utilisation Ratio

This is the percentage of credit you use compared to your total available credit. High utilisation—especially near your card limit—may indicate financial stress and lower your credit score.

3. Credit Inquiries

There are two types:

  • Soft Inquiry: Pre-approvals or personal credit checks. These do not affect your score.

  • Hard Inquiry: Actual credit applications. These do affect your score, as they show you’re seeking new debt.

So, Can a Savings Account Help Indirectly?

While it doesn’t feature in your credit report, maintaining a healthy savings balance can indirectly support good credit behaviour:

1. Emergency Cushion

Savings can help you avoid relying on credit cards or loans during financial emergencies, thus keeping your credit utilisation low and score stable.

2. On-Time Repayments

A buffer in your savings account ensures you’re able to pay EMIs and bills on time, even during income disruptions. This helps in maintaining a positive payment history.

3. Strengthens Loan Applications

Lenders often assess your bank account to understand your repayment capacity. If you’re applying for a home loan, most banks prefer you to have at least 2 months’ worth of EMIs saved, improving your approval chances.

Conclusion

Your savings account balance doesn’t directly impact your credit score or CIBIL report. However, a robust savings habit contributes to stronger financial discipline, which supports positive credit behaviour over time.

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.

₹2,500 Scheme for Women: Delhi Budget 2025 Allocates ₹5,100 Crore for Mahila Samriddhi Yojana

The Delhi government presented a ₹1 lakh crore budget for 2025–26 on March 25, marking a 31.5% increase from the previous year. This is the capital’s largest budget to date, with a focus on welfare schemes, infrastructure, and healthcare.

Mahila Samriddhi Yojana: ₹5,100 Crore Allocation

₹5,100 crore has been allocated to the Mahila Samriddhi Yojana, a direct cash transfer scheme for women. Under this initiative, eligible women in Delhi will receive ₹2,500 per month. The scheme was initially announced ahead of the Delhi Assembly elections. The increase from the previously proposed ₹2,500 crore indicates a wider rollout than originally planned.

Eligibility Criteria for Mahila Samriddhi Yojana

To qualify for the scheme, applicants must meet the following conditions:

  • Should be a woman citizen of India.
  • Should be a permanent resident of Delhi.
  • Should be at least 18 years old.
  • Should have an active bank account for fund transfer.

Documents Required for Registration

Applicants need to submit the following documents:

  • Should have an Aadhaar Card (for identity verification).
  • Should have a Ration Card (to prove economic status).
  • Should Provide Proof of Address (such as Voter ID or electricity bill).
  • Mobile Number For Registration (for OTP verification and updates).

How To Apply For This Scheme

  1. Visit the official website of Mahila Samriddhi Yojana.
  2. Click on “Register” to begin the application.
  3. Enter personal details, including name, Aadhaar number, bank account information and other necessary details.
  4. Upload necessary documents, such as Aadhaar card, proof of address, ration card and other documents if any are needed.
  5. Submit the application to complete the registration process.

Ayushman Bharat Implementation: ₹2,144 Crore

For the first time, Delhi will implement the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), with ₹2,144 crore allocated for it in the budget. Delhi becomes the 35th state or union territory to adopt the scheme.

AB-PMJAY provides ₹5 lakh per family per year for secondary and tertiary hospitalisation. In Delhi, the government has announced an additional ₹5 lakh top-up, taking the total coverage to ₹10 lakh per family. The scheme is expected to benefit families in the bottom 40% income group. It also covers all senior citizens aged 70 and above for free treatment, regardless of income status.

Conclusion

The ₹1 lakh crore budget focuses on large-scale cash transfers to women, integration of central health schemes, and infrastructure development. Major allocations have been made to Mahila Samriddhi Yojana, Ayushman Bharat, and public health infrastructure.

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.

HCLTech and Western Union Forge Forms Strategic Partnership for Digital Transformation

HCL Technologies (HCLTech) and Western Union have announced a strategic partnership to drive innovation and transformation in the financial services industry. This collaboration positions HCLTech as Western Union’s largest preferred partner, leveraging advanced AI and digital solutions to enhance operational efficiency and customer experience.

Enhancing Digital Capabilities with AI and Cloud Solutions

Western Union will utilise HCLTech’s AI-powered solutions, FENIXAI and AI Force, to transition towards a platform-centric operating model. This shift will provide greater agility and scalability while improving enterprise-wide infrastructure resilience. Additionally, HCLTech’s expertise in digital, cloud, and AI will enable Western Union to accelerate platform and channel transformation, ensuring seamless and innovative customer interactions.

HCLTech will further drive digital engineering initiatives, implementing full-stack observability, automation, and AI-assisted methods to enhance efficiency. These efforts will enable Western Union to modernise its technology landscape, making it more robust and future-ready.

Expanding Technological Footprint in India

As part of this collaboration, Western Union and HCLTech will establish an advanced technology centre in Hyderabad, India. This initiative will strengthen Western Union’s global technology capabilities, fostering innovation and creating new talent development opportunities.

C Vijayakumar, CEO and Managing Director of HCLTech, stated, “This strategic partnership emphasises our focus on empowering fintech companies through digital engineering-led transformation and creating exceptional value for their stakeholders. We remain deeply committed to Western Union’s growth journey through innovative solutions that deliver real business outcomes.”

HCL Tech Share Performance 

As of March 25, 2025, at 10:53 AM, the share price of HCL Technologies is trading at ₹1,632.25 per share, reflecting an upside of 1.75% from the previous closing price. Over the past month, the stock has declined by 0.25%.

Conclusion

The partnership between HCLTech and Western Union marks a significant step in financial technology transformation. By integrating AI, cloud solutions, and digital engineering, this collaboration aims to enhance operational efficiency, customer experience, and innovation in the financial services industry.

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.