ANNUITY
Insurance sector: Has it reached an inflection point as ‘insurance for all’ gets on priority list? 8 stocks with upside potential of up to 40%
There are reports that suggest the government is considering major changes in how the insurance products are distributed. Right from insurance agents to PSU banks, there is a plan to revamp with a focus on “insurance for all”. Will this change the picture of the insurance industry? Or, after a blip, will the stocks again underperform in bullish markets? Now, before “insurance for all” starts hogging the headlines, here are a few things you should know as an investor.
Is UPS better than NPS for government employees? Here’s how to decide
By 30 June, central government employees must decide whether to continue with the National Pension System (NPS) or switch to the newly rolled out Unified Pension Scheme (UPS) as their retirement chariot. This switch can only be exercised once.
What are the different types of life insurance plans, do they offer saving options?
If you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 54th part of this series, Riju Mehta lists the difference between various types of life insurance plans.
There are PSU stocks, and there are PSU businesses. Choose the business. 57 PSU stocks, some good, some not so good
A year back, on the day the results of 2024 general elections were getting declared, PSU stocks as a set suffered a sudden setback. From being much loved in the first six months of 2024, they were suddenly being hit. The reason: The street assumed that, without a clear majority, Modi 3.0 would not be able to take decisions which it was able to in Modi 2.0. But a year down the line, it is no longer about a company being a PSU or not. It is about business. So, sectors where there have been developments are clearly seeing things turn for the better.
Many Indians may not be saving enough for retirement
In its report, released on Wednesday, based on the analysis of a pension survey conducted between August 2024 and September 2024, Grant Thornton Bharat said there is a significant gap between the desired pension and the perceived adequacy of current retirement savings, suggesting the need for introducing more guaranteed income products, such as annuities, to cater to the demand for stability.
Amit Goenka on why Rs 4,000- crore AUM for FY26 is a reasonable target for Nisus Finance
Nisus Finance is expanding its urban infrastructure finance operations in India and the UAE. The company aims for Rs 4,000 crore in AUM by FY26. They are leveraging opportunities in both markets, including the newly listed REITs in the UAE. Nisus Finance is focusing on fund and asset management to drive future revenue growth.
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These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 30%
There is no dearth of money waiting to flow into the market. This is clear from the reaction of the street to the Q4 earnings. If the results were good, the stocks saw a bounce. And if results were not in line with expectations, then there was enough supply to punish the stock. So, clearly, the market is in stock-specific mode rather than in a clear trending mode. It is very likely that the bias of the market will continue to remain bullish. This is probably a good time to focus on large-cap stocks with good track records.
US life insurers shifted $800 billion offshore from 2019 to 2024, Moody's says
U.S. life insurers have significantly increased their investments in private credit, shifting nearly $800 billion in reserves offshore between 2019 and 2024. This move, driven by low interest rates and competition, involves partnerships with private equity firms and relocating assets to Bermuda and the Cayman Islands.
Puravankara posts Rs 1,282 crore pre-sales, FY25 loss narrows
Puravankara Limited achieved a historic milestone with pre-sales hitting an impressive Rs 5,006 crore. The company sold 5.67 million sq. ft., marking a 10% increase in average realization compared to last year. With total revenue climbing to Rupees 2,093 crore and customer collections reaching Rupees 3,937 crore, the company’s financial health is thriving.
Retired govt NPS subscribers with min 10 years can claim additional benefits under UPS
Central government NPS subscribers retiring by March 31, 2025, with 10+ years of service, or their spouses, can claim Unified Pension Scheme (UPS) benefits beyond NPS. The scheme offers a lump sum and monthly top-up, with arrears and interest. The deadline for claims is June 30, 2025, providing an assured pension option.
Railways stocks: Time to be contrarian; will bearish analysts go wrong again? 6 stocks, 2 with buy recos, 4 with sell recos
In the stock market, you can expect great rewards only if you take risks. So, is it time to risk investing in railways-related stocks? These stocks did very well up to July 2024 and have since been underperforming. Will they make a sharp comeback, as defence stocks did? Before deciding on whether to buy, sell, or hold railways stocks, let’s consider the bull and bear cases, not so much for the stocks themselves, but for the real business of the companies involved in the railways sector.
Received your OCI card and want to open an NPS account? Here’s what you must know
Overseas Citizens of India (OCI) cardholders, aged 18-70, can invest in the National Pension Scheme (NPS) on either a repatriation or non-repatriation basis. Contributions must be made through NRE/NRO accounts, with NRE accounts recommended for those wanting to remit funds back to their country of residence. But if an NPS subscriber has given up on their Indian citizenship and hasn't yet received or applied for an OCI card, they are not eligible to hold an NPS account.
Your step-by-step guide to retirement planning: Secure your future with confidence
Retirement planning is a lifelong journey, starting early is crucial for a secure future. The article breaks down retirement planning into four stages, emphasizing the importance of consistent saving, strategic investments, and adapting to changing financial responsibilities. It also addresses common retirement challenges and offers solutions for those who start late, highlighting the significance of financial freedom in later years.
PNC Infratech has executed over 90 major infra projects: CMD Pradeep Kumar Jain
PNC Infratech, celebrating 10 years since its stock exchange listing, has completed over 90 infrastructure projects across 13 states. The company has demonstrated substantial growth between FY15 and FY24, with revenue, EBITDA, and profit after tax increasing significantly. Recently, PNC Infratech finalized the stake sale in 10 road assets to Highways Infrastructure Trust, aligning with its capital recycling strategy.
Provident Fund, gratuity, leave encashment, pension commutation and all income tax benefits for retired employees released in a brochure by income tax dept
The Income Tax Department has come out with a brochure outlining tax benefits for retired employees in both the public and private sectors, covering gratuity, pension, and leave encashment. It details exemption limits, standard deductions, and advance tax rules under both old and new tax regimes for retired employees. Read below to know the details.
UPS benefits announced for these retired govt employees and their spouses: Know how to claim UPS benefits, deadline to apply
The Central Government introduces the Unified Pension Scheme (UPS) under the National Pension System (NPS) starting April 1, 2025, offering assured payouts to eligible retirees and their spouses. This scheme provides a one-time lumpsum, monthly top-ups, and interest on arrears, supplementing existing NPS benefits.
DLF Group earmarks Rs 10,000 cr capex by FY27 to build commercial properties, boost rental income
DLF plans to invest Rs 10,000 crore in new office spaces and malls. This investment will span the current and next fiscal year. The goal is to boost rental income. DLF focuses on Gurugram, Chennai, Delhi, and Noida for expansion. These projects aim to meet strong demand from businesses and retailers.
PNC Infratech completes stake sale in 10 road assets
PNC Infratech has finalized the sale of its stake in 10 road assets to Highways Infrastructure Trust (HIT), an Infrastructure Investment Trust. This divestment includes projects across multiple states and aligns with PNC Infratech's strategy to reinvest capital from operating road assets into new infrastructure opportunities. The initial agreement in January 2024 involved divesting 12 road assets in two tranches.
New York Life Insurance Company to invest Rs 550 crore across two projects of Max Estates in Noida
New York Life Insurance Company will invest Rs 550 crore in two Max Estates projects in Noida. Max Estates anticipates pre-sales of Rs 6,000-6,500 crore in FY26. The company plans to launch projects with a gross development value of Rs 14,000 crore in FY26 and FY27. Max Estates received approval for the 'Delhi One' project.
Central govt employees under NPS: Last date to apply for UPS pension is June 30, 2025; What happens if you miss it
Deadline to apply for UPS: The Unified Pension Scheme (UPS) provides an assured payout contingent upon certain conditions. It guarantees a pension for government employees upon retirement. However, there is a last date to opt for the pension under UPS. If this date is missed, their pension will be accumulated under the National Pension System.
Inside last-minute changes Republicans made to Trump's big tax-cut bill ahead of vote: Key points
Republican leaders made last-minute changes to their tax and immigration bill. These revisions aim to gain support from hesitant GOP members. The House debated and voted on the bill after the rollout. Key changes include removing public land sales and renaming federal baby accounts. The bill also addresses Medicaid work requirements and SALT deduction caps.
These mid-cap stocks with ‘Strong Buy’ & ‘Buy’ recos can rally over 30%, according to analysts
After a long phase of correction and underperformance, there are signs of life in the mid-cap segment of the market. At this point of time, fear still rules, but the chances are that the worst is behind us in terms of selling. But when and how demand will come is the big question, because that will decide the velocity at which mid-cap stocks move upward. Our optimism stems from the relative performance of the mid-cap universe of stocks.
DLF Cyber City Developers Ltd. posts 11% growth in office rent to Rs 3,874 cr in FY25
DLF Cyber City Developers, a joint venture with GIC, saw an 11% rise in office rental income, reaching Rs 3,874 crore. Retail rental income also increased by 6% to Rs 880 crore. The company's net profit jumped 46% to Rs 2,461 crore, including gains from selling an IT Park in Kolkata. Total revenue grew 9% to Rs 6,448 crore.
NPS vs UPS Calculator: New tool for Government employees; Compare NPS and UPS for higher retirement benefits
The PFRDA has launched a Unified Pension Scheme (UPS) Calculator to aid central government employees in estimating pension benefits under NPS and UPS. Effective April 1, 2025, UPS offers a stable pension payout, with current NPS subscribers having the option to switch. The UPS calculator provides transparency on expected payouts, ensuring informed retirement planning.
Mid-tier firms poised to win large AI market share: Sonata Software CEO Samir Dhir
Sonata Software's CEO, Samir Dhir, highlights the growing fatigue with large-cap software vendors, positioning mid-tier companies as agile alternatives for AI and modernisation projects. Sonata is targeting legacy revenue streams of tier-1 providers by focusing on automation and agentic AI, aiming for 20% of its business to be AI-driven in three years.
DLF plans to launch housing projects worth Rs 17,000 cr in FY26 to boost sales
DLF Ltd plans to launch housing properties worth over Rs 17,000 crore this fiscal year, capitalizing on strong demand for luxury homes. The company reported record sales bookings of Rs 21,223 crore in 2024-25, a 44% increase from the previous year. DLF's net profit also rose significantly, reaching Rs 4,366.82 crore for the fiscal year.
DLF reports net profit of Rs 1,268 crore, Y-o-Y growth of 37%
Company’s latest super-luxury offering - The Dahlias, received encouraging demand and generated Rs 13,744 crore in new sales bookings during the fiscal. This has resulted in the monetization of approximately 39% of the estimated total sales potential of this project within the first year of its launch.
Railways stocks: Will they prove the analysts wrong? 7 stocks: 2 with buy recos, 1 hold, 4 with sell recos
The growth of a sector is impacted by many factors. In some, growth is purely a function of one factor: Government spending. Railways is one such sector, and all the growth companies in the sector saw in recent years was because the government had upped spending. Now, the question is: Will railway stocks, which saw a sharp increase in valuations from 2023 to mid-2024, see another round of upward movement? Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components – earnings, fundamentals, relative valuation, risk, and price momentum – to generate standardized scores. SR+ Reports is a complimentary offering to ETPrime members.
For investors seeking relative safety, along with growth: 7 large-caps from different sectors with an upside potential of up to 50%
As an economy, India has been performing well and the kind of slowdowns we have seen are cyclical in nature and will keep occurring. The overall trend, however, is up. Hence, it is better to be bullish about India. Now, certain sectors have a strong relationship with the current economic cycle of growth. Essentially, the per capita income of a country has a relationship with how the sector performs. As the per capita income moves up, the broader topline of the sector also moves up, but at a faster rate. After a secular phase where every sector saw growth, we are now in a phase where some sectors are witnessing slower growth while others are growing at the same pace as before. So, be bullish. But also try to save the capital invested in the market. And one of the ways of doing it is to stay with select large-cap stocks.
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