Manthan Kushwaha | Stocks, Funds & Share Market Guide and Blogs

Crypto derivatives trading is gaining traction in India, and one platform that keeps coming up in discussions is Delta Exchange India. Backed by well-known global investors and strong trading volumes, Delta Exchange offers futures and options trading on major cryptocurrencies in a regulated Indian setup.

If you are searching for the best crypto trading app in India for futures and options, or wondering “Is Delta Exchange legal in India?”, this guide covers everything — from platform overview to account opening steps, fees, risks, and compliance.

What Is Delta Exchange India?

Delta Exchange India is a crypto derivatives trading platform launched specifically for Indian users in 2021. It allows traders to trade crypto futures and options linked to assets like Bitcoin and Ethereum.

Unlike spot exchanges where you buy and hold real crypto, Delta Exchange focuses only on contracts whose value is derived from crypto prices. You don’t actually own Bitcoin or Ethereum — you trade on their price movements.

In simple words, it works like Nifty futures in the stock market, where you trade price direction without owning the underlying asset.

How Delta Exchange India Is Different From Other Crypto Apps

The biggest difference is simple:
You don’t buy real crypto here. You trade derivative contracts.

Understanding with a real example

In spot trading, if you buy ETH at ₹1.5 lakh and sell at ₹1.8 lakh, you own the coin and make ₹30,000 profit.

On Delta Exchange, you may take a leveraged futures position on ETH. With a much smaller margin, you can still gain or lose based on the same ₹30,000 price movement — but losses can be just as fast if the price goes against you.

This makes Delta Exchange suitable for active traders, not for investors who want to hold crypto long term.

Platform Background and Credibility

Delta Exchange started globally in 2018 and later launched its India-focused version in 2021. The company is headquartered in Singapore, with Indian operations based in Mumbai.

It is backed by reputed global investors like Draper Dragon, ConsenSys, and Kindred Ventures, and has built a strong user base among Indian derivative traders.

With monthly volumes running into hundreds of millions of dollars and over a lakh Indian users, Delta Exchange has become one of the most active crypto derivatives platforms in the country.

Is Delta Exchange Legal in India in 2025–2026?

This is one of the most searched questions:
Is Delta Exchange legal in India?

The short answer: Yes, it is legal.

Delta Exchange India is registered with the Financial Intelligence Unit of India (FIU-IND) as a reporting entity under the Prevention of Money Laundering Act.

This means:

• KYC is mandatory for all users.
• Transactions are monitored and reported when required.
• The platform follows AML and tax compliance norms.
• 1% TDS is deducted on crypto trades as per Indian tax law.

However, it is important to understand what this does and does not mean.

Is Delta Exchange SEBI Registered?

No. Delta Exchange is not SEBI registered.

This is a common misconception. SEBI regulates securities like stocks and mutual funds. Cryptocurrencies and crypto derivatives are not classified as securities in India.

Crypto trading currently falls under taxation and AML oversight by the Finance Ministry, Income Tax Department, and FIU — not SEBI.

What this means for you as a user

• There is no investor protection framework like in stock markets.
• No arbitration or compensation mechanism.
• Any dispute is a civil matter.
• If the platform fails, funds may be at risk.
• Regulations can change quickly.

So while Delta Exchange is legal to use, crypto trading still carries regulatory and platform risk.

Key Features of Delta Exchange India

Delta Exchange has positioned itself as a derivatives-first platform for serious traders.

What attracts traders to Delta Exchange

• 24x7x365 trading, all year round.
• Futures and options on major cryptos.
• Small contract sizes, allowing entry with low capital.
• Daily, weekly, and monthly expiries for active strategies.
• High leverage for advanced traders.
• Simple registration and fast KYC.
• INR deposits directly from bank accounts.
• Tools to create and test trading strategies.
• Dedicated customer support.

For users who want to trade crypto options in India, Delta Exchange is currently one of the few platforms offering this feature.

Delta Exchange India vs Global Platform: What You Must Know

Many users don’t realize that Delta has two versions: a global platform and an India-specific one.

If you are an Indian resident, you should only use the India version of the platform. It supports INR deposits and follows Indian compliance rules.

The global version supports many more contracts but requires crypto deposits and follows different regulations. Using the wrong version may expose you to compliance and tax issues.

Always make sure you are accessing the India platform meant for Indian users.

Is Delta Exchange Safe? Security Measures Explained

Delta Exchange claims to follow multiple security practices to protect user accounts.

Key security features include

• Two-factor authentication for withdrawals.
• Email confirmation for every withdrawal request.
• Cold storage for most funds.
• IP whitelisting to lock access to specific networks.
• Address whitelisting for withdrawals.
• Anti-phishing codes for email verification.

While these measures improve safety, remember that crypto platforms are not risk-free. Users should also follow best practices like strong passwords and never sharing login details.

Fees on Delta Exchange India: What Traders Should Know

Delta Exchange charges trading fees on futures and options, along with GST and the mandatory 1% TDS as per Indian law.

Why fees matter more in derivatives

Even if your trade is profitable, high fees and TDS can eat into returns, especially for frequent traders. Many users realize this only after seeing net results.

Before trading actively, always factor in:

• Maker and taker trading fees.
• GST on platform charges.
• 1% TDS on the total trade value, not just profit.
• Settlement fees on expiry or exit.

Understanding total costs is crucial to avoid unpleasant surprises.

Real User Feedback: What Traders Like and Dislike

From public reviews across app stores and forums, user experiences show mixed patterns.

What users generally like

• Easy INR deposits without buying USDT.
• Availability of crypto options in India.
• Low entry barriers through mini contracts.
• High leverage for aggressive strategies.

Common complaints seen online

• High overall trading costs after fees and TDS.
• App lag or crashes during high volatility.
• Slow or unresponsive customer support at times.

These reviews suggest that while the platform offers unique features, execution during volatile markets and service experience can be areas of concern.

Common Tax Mistakes Delta Exchange Users Must Avoid

Crypto derivatives trading attracts strict tax scrutiny in India.

Not filing ITR even for small profits
Even ₹1 of crypto profit requires ITR filing if TDS is deducted. Ignoring this can trigger notices.

Assuming crypto income is hidden
All trades are linked to PAN, reported to FIU, and shared with tax authorities. Banks also report transactions.

Showing crypto income as business income
As per law, crypto gains must be reported under Schedule VDA with a flat tax rate. Claiming expenses is not allowed.

Not maintaining trade records
Without proper transaction data, you may not be able to justify purchase prices or claim TDS credits if questioned.

Staying tax compliant is as important as making profits.

How to Open an Account on Delta Exchange India

If you’re ready to get started, here’s how to open a Delta Exchange India account.

Step-by-step process to register

• First, visit the official Delta Exchange India website or download the mobile app.
• Then, click on the “Sign Up” option and create your account using your email and mobile number.
• Next, complete full KYC verification. Keep your PAN, Aadhaar, and basic details handy.
• After KYC approval, link your bank account for INR deposits and withdrawals.
• Once linked, deposit INR directly from your bank account. You don’t need to buy any crypto to start.
• Finally, access the trading dashboard and begin futures or options trading as per your strategy.

The entire process is digital and usually takes a short time if documents are correct.

Who Should Use Delta Exchange India?

Delta Exchange may be suitable for:

• Traders interested in crypto futures and options.
• Users who understand leverage and risk management.
• Those looking for INR-based derivatives trading.
• Active traders, not long-term crypto holders.

It may not be ideal for:

• Beginners with no derivatives experience.
• Investors who want to buy and hold crypto.
• Users uncomfortable with high volatility and risk.

Final Thoughts on Delta Exchange India

Delta Exchange India has carved a niche as a crypto derivatives platform for Indian traders. With FIU registration, INR deposits, and futures and options access, it fills a gap that spot-only exchanges don’t address.

However, high leverage, complex products, trading costs, and limited regulatory protection mean this platform is best approached with caution, discipline, and proper risk management.

If you understand derivatives and are prepared for volatility, Delta Exchange can be a powerful trading platform. If not, learning and practicing first is essential.

Disclaimer

Crypto trading involves high risk and may not be suitable for all investors. This article is for educational and informational purposes only and does not constitute financial or investment advice. Always consult a qualified financial advisor before trading or investing.

Best Stocks to Buy in 2026: Sector-Wise Stock Market Picks for Long-Term Investors

The year 2025 tested investor patience. Markets saw sharp swings, corporate earnings disappointed in phases, and foreign investors pulled out money aggressively. For many, confidence in Indian equities hit a two-year low.

Yet, history shows that periods of doubt often sow the seeds of future opportunity. As we step into 2026, global institutions continue to believe in India’s long-term growth story. With powerful sectors like consumption, manufacturing, defence, infrastructure, digital platforms, and energy transition coming back into focus, the outlook for the Indian stock market in 2026 looks selectively optimistic.

This blog explores the best stocks to buy in 2026, key sector themes, and disciplined stock market picks from an educational perspective.

Future of the Indian Stock Market in 2026

The Indian stock market outlook for 2026 is shaped by multiple structural and cyclical factors.

Why 2026 could be a year of opportunity

• Markets have already seen deep corrections, resetting valuations.
• Demand recovery is visible across multiple sectors.
• Global institutions remain long-term investors in India.
• Policy-backed growth in defence, manufacturing, renewables, and digital consumption continues.

Short-term volatility is likely to persist. But 2026 is not about blind optimism. It is about targeted potential, where selective sectors and companies could outperform.

Key Themes Behind the Best Stocks to Buy in 2026

Understanding sector tailwinds is more important than chasing stock names. The best shares to invest in 2026 are expected to emerge from companies aligned with these macro themes:

• Rising domestic consumption
• Manufacturing and export growth
• Defence and aerospace expansion
• Renewable energy transition
• Profitable digital platforms
• Continued infrastructure spending

These themes reflect India’s shift toward a stronger, more self-reliant, and tech-driven economy.

Consumption & Lifestyle Stocks: India’s Core Strength

India’s consumption story remains one of the strongest pillars of long-term growth.

Titan Company: A lifestyle compounding story

Titan stands out among consumption-led stock market picks for 2026.

Why Titan attracts long-term investors:

• Jewellery demand cuts across income segments.
• Expansion via digital channels and CaratLane.
• Strong brand allows pricing power.
• Indian weddings and lifestyle trends support steady demand.

Titan represents aspirational India and remains a structural consumption play.

Godrej Consumer Products: Turnaround with rural leverage

Godrej Consumer Products offers a recovery-driven FMCG story.

Growth drivers include:

• New launches in personal wash, home care, and insecticides.
• Margin improvement after cost inflation eases.
• Strong exposure to rural and emerging markets.

Among FMCG stocks, Godrej Consumer is often discussed as the best stock to buy in 2026 for consumption recovery.

Manufacturing & Pharma: India in the Global Driver’s Seat

India’s manufacturing push and “China+1” strategy are creating strong opportunities in pharma and APIs.

Neuland Laboratories: API outsourcing beneficiary

Neuland benefits from global pharma outsourcing.

What makes it attractive:

• Rising dependence of global pharma on Indian APIs.
• Focus on high-margin, complex APIs.
• Capacity expansion driving earnings growth.

It reflects India’s growing role in global healthcare supply chains.

Piramal Pharma: Recovery meets growth

Piramal Pharma is positioned for a rebound beyond 2025.

Key growth levers:

• CDMO business gaining traction.
• Improved R&D pipeline.
• Better margins after operational scale-up.

Rather than a defensive pharma play, Piramal Pharma fits the recovery plus growth theme for 2026.

Defence & Industrials: From Policy to Execution

India’s defence sector is moving from intent to execution.

PTC Industries: Aerospace and defence materials leader

PTC Industries is frequently mentioned among defence stocks to watch in 2026.

Why it stands out:

• Expertise in titanium recycling and castings.
• Diversification into aerospace components.
• High long-term earnings growth visibility.

With defence indigenisation accelerating, execution leaders like PTC Industries gain relevance.

Solar & High-Tech Materials: Energy Transition in Action

India’s renewables push is reshaping the energy landscape.

Waaree Energies: Solar manufacturing powerhouse

Waaree Energies is India’s largest solar module manufacturer and exporter.

Its strength lies in:

• Dominant share in solar module exports.
• Rapid capacity expansion.
• Benefiting from both domestic and global renewable demand.

For investors tracking the best renewable energy stocks in 2026, Waaree represents India’s clean energy ambition.

Infrastructure & Power: Backbone of Economic Growth

Infrastructure and power continue to be the foundation of India’s growth story.

Reliance Industries: India’s structural growth proxy

Reliance remains a multi-engine growth company.

Growth drivers for 2026:

• Retail scale-up.
• Telecom tariff hikes improving margins.
• Energy transition investments.

Reliance is less about short-term trades and more about being a long-term proxy on India’s growth.

NTPC: Stability with renewable transition

NTPC is building a greener avatar.

Why NTPC stands out:

• Target of massive renewable capacity by 2032.
• Rising power demand with economic growth.
• Strong balance between stability and transition.

Among PSU stocks, NTPC offers low-risk exposure to India’s power and renewables theme.

Aviation & Travel: Risk with Long-Term Opportunity

Travel demand in India is structurally rising.

IndiGo: Leader in Indian aviation

IndiGo continues to dominate with over 60% market share.

Key positives:

• Strong passenger demand.
• Operational efficiency.
• Industry leadership.

While regulatory or operational issues may cause volatility, such phases often create opportunity zones for long-term investors.

MakeMyTrip: India’s digital travel platform

MakeMyTrip captures India’s shift to online travel bookings.

Why it fits the 2026 theme:

• Growing online travel penetration.
• Strong revenue growth visibility.
• Asset-light digital model.

It sits at the intersection of consumption and technology.

Digital Platforms & New-Age Businesses

India’s digital ecosystem is maturing.

Zomato (Eternal): Scale meets improving economics

Zomato operates in two fast-growing verticals:

• Food delivery
• Quick commerce

With improving unit economics and scale, Zomato is often considered among the best digital stocks to buy in 2026, though volatility remains part of the journey.

Auto Sector: Demand Revival & EV Transition

The auto sector is showing signs of demand revival.

Maruti Suzuki: India’s volume leader

Maruti benefits from:

• Revival in small car demand.
• Strengthening EV strategy.
• Stable financing environment.

Despite competition, Maruti remains India’s core auto play.

Uno Minda: Auto components plus EV shift

Uno Minda plays the EV transition through components.

Key strengths:

• Strong OEM relationships.
• Automation-focused product range.
• EV-ready portfolio.

Auto ancillaries like Uno Minda often outperform during demand upcycles.

How to Approach the Best Stocks to Invest in 2026

Rather than blindly following stock names, investors should focus on process.

A disciplined framework

• Sector tailwinds: Is the industry expanding?
• Earnings visibility: Are profits sustainable?
• Balance sheet strength: Can the company handle downturns?
• Management credibility: Do actions match words?
• Technical confirmation: Is price action aligned with fundamentals?

When fundamentals, sector cycles, and technical structure align, probability improves.

What These Stock Picks Say About 2026

The best stocks for investment in 2026 highlight a clear narrative:

• Rising consumption and demand.
• Advanced manufacturing and exports.
• Defence and aerospace execution.
• Renewable energy transition.
• Stronger digital ecosystems.
• An economy moving up the value chain.

This is not speculation. It reflects India’s structural growth story.

Conclusion: Best Stocks to Buy in 2026

The Indian stock market in 2026 is unlikely to witness broad-based rallies. Leadership will be selective. Investors who stay disciplined, patient, and focused on business quality will benefit more than those chasing short-term noise.

2026 may not be easy, but it could be rewarding for prepared investors. Understanding stock market picks for 2026 from a sector and business lens is far more valuable than simply memorising stock names.

India’s growth journey is intact. The opportunity lies in aligning with it wisely.

Disclaimer

This blog is not a buy or sell recommendation. No investment or trading advice is provided. The content is purely for educational and informational purposes. Always consult a qualified financial advisor before making any investment decisions.

With cryptocurrency becoming mainstream in India, understanding what a Virtual Digital Asset (VDA) is and how cryptocurrency is taxed has become essential for every investor and trader. From the 30% tax on crypto profits to the 1% TDS under Section 194S, India’s VDA tax framework is strict and leaves little room for confusion—or mistakes.

In this guide, we explain VDA meaning, latest crypto tax rules for FY 2025–26, how to calculate tax, and practical tips for VDA tax compliance.

What Is a Virtual Digital Asset (VDA)?

A Virtual Digital Asset (VDA), as defined under the Indian Income Tax Act, refers to any information, code, number, or token generated through cryptographic means that provides a digital representation of value.

In simple words, VDAs include:

• Cryptocurrencies like Bitcoin, Ethereum, and Solana
• Crypto tokens and altcoins
• NFTs and other blockchain-based digital assets

VDAs are treated as a separate asset class in India, and profits from their transfer are taxed under special rules, irrespective of whether you trade, invest, or occasionally transact.

Why VDA Taxation Matters in 2025–26

The Indian government has made it clear that crypto is not illegal, but it is heavily regulated through taxation. For FY 2025–26, the same strict framework continues, aiming to:

• Track crypto transactions
• Prevent tax evasion
• Bring transparency to the digital asset ecosystem

If you deal in crypto, understanding VDA taxation is no longer optional—it’s mandatory for compliance.

30% Tax on Profits From Crypto Explained

One of the most talked-about rules is the 30% tax on profits from crypto.

How does it work?
Any profit arising from the transfer of a VDA is taxed at a flat rate of 30%, plus applicable surcharge and cess.

Key points you should know

• The rate applies regardless of your income slab.
• It is similar to taxation on lottery or betting income.
• Both short-term and long-term crypto gains are taxed the same.

Whether you made profits by trading daily or holding long-term, the tax rate remains unchanged.

No Deductions, No Exemptions, No Loss Carry Forward

Under VDA tax rules, the government has removed almost all relief options.

What’s allowed?
Only the cost of acquisition can be deducted.

What’s not allowed?

• No deduction for trading fees, internet costs, or exchange charges.
• No exemption under sections like 80C.
• No set-off of crypto losses against any other income.
• No carry forward of VDA losses to future years.

This means even if you incur losses in crypto, they cannot reduce your tax burden elsewhere.

1% TDS Rule Under Section 194S

Section 194S introduced a 1% TDS on crypto transactions to track digital asset trades.

When is 1% TDS applicable?
On every transfer of a VDA if the value exceeds the specified threshold.
Applies whether you make a profit or loss.

Who deducts the TDS?
Indian exchanges usually deduct it automatically.
In P2P or off-exchange trades, the buyer may be responsible.

Why is this important?

• TDS is not an extra tax; it’s adjusted against your final tax liability.
• It creates a transaction trail for the tax department.
• Ignoring the 1% TDS rule can lead to penalties and notices.

Taxation for Crypto Trading on Foreign Exchanges

Many Indian users trade crypto on international platforms. But using a foreign exchange does not mean escaping Indian tax laws.

Here’s how it works

• If you are a resident Indian, global crypto income is taxable in India.
• Profits from foreign exchanges are still taxed at 30%.
• 1% TDS may not be deducted automatically, but you must report and pay tax yourself.
• Such transactions may also attract foreign asset reporting requirements.

In short, location of the exchange does not change your VDA tax liability.

How to Compute Crypto Tax in 2025–2026

If you’re wondering how to compute crypto tax for FY 2025–26, here’s a simple approach.

Step 1: Identify each taxable transfer
Every sale, swap, or use of crypto to buy goods is treated as a transfer.

Step 2: Calculate profit per transaction
Sale value minus purchase cost equals profit.

Step 3: Apply 30% tax
Add surcharge and 4% cess as applicable.

Step 4: Adjust 1% TDS
Reduce total TDS already deducted from your final tax payable.

Step 5: Report in ITR
Declare VDA income under the specified schedule in your income tax return.

Always calculate gains transaction-wise, as clubbing profits and losses is not allowed.

Common Mistakes Crypto Investors Make

Many beginners unknowingly make errors like:

• Ignoring small trades assuming they’re tax-free
• Not tracking swaps between two cryptos
• Forgetting to include foreign exchange profits
• Missing TDS credits while filing ITR
• Assuming losses can be adjusted

These mistakes can invite scrutiny from tax authorities.

Tips for VDA Tax Compliance in India

Staying compliant with VDA taxation doesn’t have to be stressful. Here are some practical tips:

Maintain detailed records
Track buy price, sell price, dates, and exchange used for every transaction.

Reconcile TDS regularly
Check Form 26AS or AIS to ensure your 1% TDS credits reflect correctly.

Use crypto tax tools
Automated calculators can simplify gain computation across multiple exchanges.

Pay advance tax if needed
If your crypto profits are large, consider advance tax to avoid interest.

Report even if tax is zero
If TDS is deducted but profit is nil, still report transactions in ITR.

Consult a tax professional
For high-volume or complex trades, expert guidance can save trouble later.

Is Crypto Legal in India in 2025?

Crypto trading is not illegal in India, but it is tightly regulated through taxation and compliance. The government’s approach is to monitor the ecosystem rather than ban it, making transparency crucial for every investor.

Final Thoughts on VDA Tax Rules for 2025–26

Understanding what is a Virtual Digital Asset (VDA) and how crypto is taxed in India is essential before you invest or trade. The 30% flat tax, 1% TDS under Section 194S, and strict rules on losses make crypto taxation one of the toughest in the financial landscape.

For FY 2025–26, the rules remain firm. Smart investors are those who not only chase returns but also stay compliant.

If you treat crypto like a serious asset class and follow VDA tax rules diligently, you can avoid surprises and focus on building long-term digital wealth.

The Gujarat Kidney & Super Speciality IPO is drawing strong interest from investors looking to tap into India’s fast-growing healthcare sector. As a Mainboard IPO, this issue by Gujarat Kidney & Super Speciality Ltd. aims to raise ₹250.80 crore to fuel expansion, acquisitions, and technology upgrades across Gujarat.

In this detailed analysis, we break down the company’s business model, financial performance, IPO details, valuation, strengths, risks, and whether this IPO deserves a place in your portfolio.

About Gujarat Kidney & Super Speciality Ltd.

Gujarat Kidney & Super Speciality Ltd. runs seven multispecialty hospitals and four pharmacies across Gujarat. The group has a total bed capacity of 490 beds, with 340 beds currently operational, indicating clear headroom for future utilization and revenue growth.

The hospital chain offers a wide range of specialties, including:

• Nephrology and urology
• Internal medicine and general surgery
• Orthopaedics, trauma care, and joint replacement
• Obstetrics and gynecology
• Respiratory medicine and critical care
• Cardiology (non-interventional)
• Diabetology and anesthesiology

The company’s strong presence in renal sciences gives it a niche advantage in a segment witnessing rising demand due to lifestyle diseases.

Gujarat Kidney & Super Speciality IPO Key Dates & Price Band

The Gujarat Kidney & Super Speciality IPO opens for subscription on December 22, 2025, and closes on December 24, 2025. The tentative allotment date is December 26, 2025, while listing is expected on December 30, 2025 on both BSE and NSE.

The IPO price band is fixed at ₹108 to ₹114 per share, with a face value of ₹2 per share. Retail investors can apply for a minimum of one lot consisting of 128 shares.

Financial Performance and Growth Trend

Over the last three financial years, the company has shown sharp growth in scale and profitability.

Its total income surged from negligible levels in FY23 to over ₹40 crore in FY25, while PAT grew to around ₹9.5 crore in FY25. EBITDA margins above 40% highlight strong operational efficiency, which is impressive for a hospital chain in its growth phase.

A rising net worth and controlled borrowings reflect a strengthening balance sheet. Although cash flows have seen volatility due to expansion and acquisitions, this is typical for asset-heavy healthcare businesses investing for long-term capacity building.

Valuation of Gujarat Kidney & Super Speciality IPO

At the upper price band of ₹114, the Gujarat Kidney & Super Speciality IPO is valued at a P/E of around 39x based on FY25 earnings.

When compared with listed peers in the hospital segment, the valuation appears reasonably aligned, especially considering the company’s:

• High ROE of over 36%
• Strong ROCE above 37%
• Healthy PAT and EBITDA margins
• Low debt-to-equity ratio of about 0.15

The valuation seems to factor in both current profitability and future growth from capacity expansion and acquisitions.

Gujarat Kidney & Super Speciality IPO GMP Today

The Gujarat Kidney & Super Speciality IPO GMP today is around ₹7, indicating a mild positive sentiment in the grey market. While GMP is not a guaranteed indicator of listing gains, it does suggest cautious optimism among informal market participants.

Investors should treat GMP as a sentiment tracker, not an investment decision tool.

Strengths of Gujarat Kidney & Super Speciality IPO

Strong niche in renal care
The company has built recognized expertise in nephrology and urology, creating patient trust and referral advantages.

High operating efficiency
Healthy EBITDA and PAT margins show strong cost control and pricing power.

Asset-light expansion approach
By acquiring and integrating hospitals, the company can scale faster without building everything from scratch.

Experienced medical leadership
Promoters and management are doctors with deep operational understanding of healthcare delivery.

Robust return ratios
High ROE and ROCE indicate efficient use of capital.

Key Risks and Weaknesses to Consider

Execution risk from acquisitions
Rapid inorganic growth can stretch management bandwidth and integration capabilities.

High operating leverage
Hospital businesses have fixed costs, so low occupancy can impact margins during weak demand cycles.

Dependence on key professionals
Attracting and retaining top doctors is critical for maintaining service quality and reputation.

Regional concentration
Heavy focus on Gujarat means any regional slowdown or regulatory changes could affect performance.

Gujarat Kidney & Super Speciality IPO: Final Verdict

The Gujarat Kidney & Super Speciality IPO offers exposure to a fast-growing multispecialty hospital chain with strong profitability, high return ratios, and a focused regional strategy. Its expansion plans through acquisitions and new hospitals could significantly improve scale over the next few years.

While valuation is not cheap, it appears justified given growth visibility, operational strength, and industry tailwinds. Risks related to integration and operating leverage remain, but for investors with a medium to long-term horizon, this IPO looks like a promising healthcare play.

As always, consider your financial goals and risk appetite before investing in any IPO.

Mukul Agrawal Stock Market App: Learn Trading & Investing in Hindi

The Mukul Agrawal Stock Market App is a complete learning platform designed for Indians who want to learn the stock market from scratch in simple Hindi. Developed by Finowings Training Academy Pvt. Ltd., this app focuses on practical trading, investing, and technical analysis tailored specifically for Indian markets like NSE and BSE.

Whether you are a beginner, student, working professional, or an active trader, the app offers a structured path from zero to advanced-level market understanding.

What You Learn Inside the App

The app provides 100+ premium video lessons covering stock market basics, trading strategies, technical analysis, options trading, and long-term investing. Concepts such as demat accounts, stock selection, market psychology, and portfolio planning are explained clearly for first-time learners.

Trading modules include intraday, swing, positional trading, and scalping with clear entry-exit rules, stop-loss strategies, and risk management techniques.

Technical Analysis & Options Trading Explained Simply

The Mukul Agrawal app offers an in-depth technical analysis course covering candlestick patterns, chart reading, support-resistance, trendlines, RSI, MACD, moving averages, Bollinger Bands, and Fibonacci levels using real NSE and BSE charts.

Options trading is taught step by step, including call-put basics, option strategies, hedging, spreads, option Greeks, and volatility concepts—all in easy Hindi.

Why Mukul Agrawal App Stands Out

What makes this one of the best stock market learning apps in India is its practical approach. The content is experience-based, not theoretical. Learners also get live market insights, daily analysis, trading signals, and access to a growing community of active traders.

The app is ad-free, beginner-friendly, regularly updated, and supports offline video downloads for uninterrupted learning.

Extra Tools for Financial Growth

Beyond stock market courses, users also get education on mutual funds, SIPs, credit cards, and access to financial calculators like SIP, EMI, and retirement planning—making it a complete personal finance learning app.

Who Should Use This App?

The Mukul Agrawal Stock Market App is ideal for beginners starting from zero, students pursuing finance careers, professionals seeking side income, traders upgrading skills, and long-term investors building wealth.

Final Thoughts

If you want to learn the stock market in Hindi without confusion, the Mukul Agrawal Stock Market App offers a clear, structured, and practical learning journey. It’s not just a course—it’s a roadmap to confident trading and investing in Indian markets.

Financial Calculator: Solve Your Money Queries in Just a Few Clicks

Managing money becomes easier when you have clarity. A financial calculator helps you answer critical money questions instantly—whether it’s planning investments, calculating loan EMIs, or understanding long-term savings. Instead of guessing, you get accurate numbers that help you make informed financial decisions.

With one powerful financial calculator, you can solve multiple queries related to loans, investments, taxes, savings, and retirement planning.

Why Use a Financial Calculator?

Financial planning involves multiple variables such as interest rates, tenure, inflation, and returns. A financial calculator removes complexity and gives instant, reliable results. It saves time, reduces errors, and helps compare options before committing money.

Whether you are a beginner or an experienced investor, financial calculators turn financial confusion into clarity.

Loan & EMI Calculators

A Loan EMI Calculator helps you estimate monthly repayments for different loans. You can easily calculate EMIs for home loans, car loans, and education loans by adjusting loan amount, interest rate, and tenure. This helps you understand affordability and avoid financial stress.

Investment Calculators for Wealth Building

A SIP Calculator shows how small monthly investments can grow over time through mutual funds. A Lumpsum Calculator helps estimate returns when investing a one-time amount. The Step-Up SIP Calculator allows you to increase investments gradually, while a SWP Calculator helps plan regular withdrawals during retirement.

The Compound Interest Calculator demonstrates how compounding accelerates wealth creation over the long term.

Savings & Government Scheme Calculators

Calculators for PPF, EPF, Sukanya Samriddhi Yojana, Fixed Deposits, and Recurring Deposits help estimate maturity values and returns. These tools are especially useful for conservative investors and long-term planners.

An Inflation Calculator shows how rising prices impact future expenses, making it essential for realistic goal planning.

Tax & Retirement Planning Tools

A GST Calculator helps understand tax impact on purchases and services. Retirement calculators help estimate the savings required to maintain your lifestyle after retirement, ensuring long-term financial security.

Final Thoughts

A financial calculator is not just a tool—it’s a smart companion for everyday money decisions. From loans and investments to savings and retirement, these calculators empower you to plan confidently, avoid costly mistakes, and stay financially prepared at every stage of life.

The Indian credit card ecosystem has evolved rapidly, making 2025 one of the best years to apply for a credit card. With stronger reward structures, higher cashbacks, better travel perks, and zero-fee cards, today’s credit cards are powerful financial tools—not just payment methods.

This guide on the best credit cards in India 2025 helps you compare top options based on spending habits, lifestyle needs, and long-term value.

Why Choosing the Right Credit Card Matters in 2025

A well-chosen credit card can help you save thousands every year on shopping, fuel, travel, dining, subscriptions, and EMIs. As India shifts deeper into digital payments, specialised cards now offer targeted benefits like airport lounge access, fuel surcharge waivers, and high online cashback.

The right card improves both monthly savings and your credit score, while the wrong one adds unnecessary costs.

What Makes a Credit Card “Best”?

The best credit cards in India combine recurring rewards, useful sign-up benefits, reasonable fees, and easy redemption. Key factors include reward value, cashback rates, annual fee justification, travel privileges, foreign spend charges, and flexibility across spending categories.

A card that fits your lifestyle consistently delivers value—not just flashy offers.

Top Credit Cards in India 2025

• HDFC Regalia Gold Credit Card stands out for premium lifestyle and travel benefits, making it ideal for frequent travellers and high spenders.
• SBI Cashback Card is best for online shoppers who want simple, flat cashback without complex reward tracking.
• Axis Magnus Credit Card caters to premium users with international travel perks, luxury benefits, and airline partnerships.
• Amazon Pay ICICI Credit Card remains one of the best no-fee cards, especially for Amazon users, beginners, and students.
• HDFC Millennia Credit Card is a strong everyday card for young professionals focused on digital spending and food delivery offers.

Choosing the Right Credit Card for You

Before applying, consider where you spend most—travel, shopping, fuel, or online payments. Compare annual fees with actual benefits, check redemption ease, and ensure you can manage payments responsibly.

Multiple cards can work if used strategically, but discipline is key.

Final Thoughts

The best credit cards in India 2025 are not about prestige—they are about alignment with your lifestyle. Whether you want cashback, travel rewards, premium perks, or a beginner-friendly card, the right choice can deliver consistent value every month when used responsibly.