In contrast to the same period last year (Q2FY24), Bajaj Auto's Q2FY25 financial results demonstrate consistent increase across key measures. Here is a brief summary of the figures:
Q2FY25: ₹2,005 crore
Q2FY24: ₹1,836 crore
Estimates: ₹2,228 crore
Despite falling short of the estimated ₹2,228 crore, Bajaj Auto’s net profit rose by 9.2% compared to last year.
Q2FY25: ₹13,127 crore
Q2FY24: ₹10,777 crore
Estimates: ₹13,270 crore
Bajaj Auto achieved a significant 21.8% growth in revenue compared to Q2FY24, though it came slightly below the estimated ₹13,270 crore.
Q2FY25: ₹2,652 crore
Q2FY24: ₹2,133 crore
Estimates: ₹2,704 crore
EBITDA grew by 24.3% year-over-year but was marginally lower than the forecast of ₹2,704 crore.
Q2FY25: 20.2%
Q2FY24: 19.8%
Estimates: 20.4%
The EBITDA margin has shown improvement, increasing to 20.2%, close to the market estimate of 20.4%.
Overall, Bajaj Auto's financial performance in Q2FY25 demonstrates consistent growth in revenue, profitability, and margins compared to the previous year. However, it fell slightly short of analysts' estimates in all categories. This update reflects a robust performance for the company despite minor shortfalls in hitting projected targets.
Source: CNBC
A Step-Up SIP is an investment option through which the SIP investor can increase the monthly installment of the SIP by a predetermined percentage every year.
The investment amount gets increased every successive year for a specific period of time. Step-UP SIP helps the investors save more money as their income increases with time.
Investors can put more money into the mutual fund scheme and benefit from compounding with such an investment option.
If you are looking for ways to beat inflation and increase your wealth, then a Step-Up SIP might be the right choice for your investment portfolio.
To know more about Step-Up SIPs, feel free to call us at - 0120 4400700
To begin a Step-Up SIP, choose an investment amount you can afford to contribute monthly and continue increasing it by a fixed percentage each year.
For instance, with a SIP of ₹5,000 per month (increasing by 10 per cent every year), you can set aside ₹60,000 over one year;
After one year, the amount increases to ₹5,500 per month (₹5,000 plus 10 percent), you will be able to save ₹66,000 in the second year.
The total investment will be higher than if you were to invest ₹6,000 from the start.
Mutual funds have become a popular investment option because of their benefits. These include the potential to earn higher returns, risk diversification, and professional money management.
However, many people are prone to getting impatient with their investments and making poor decisions in haste. For such investors, step-up SIPs can be an ideal solution.
Inflation is one of the biggest factors that affect your personal finance and long-term investments.
When inflation rises, your expenses will also rise accordingly, which means you will need more money in the future than today to maintain your standard of living or achieve your financial goals.
This is where Step-Up SIPs can help you beat inflation over the long term. Step-up SIPs are good for investors with a high-risk appetite and who want to invest their money in equity funds.
When you invest in an equity fund through SIP, the cost of each SIP installment increases by a specified fixed amount every year (say 10%) until the completion of the investment period (say 10 years). This helps you increase your investment value over time as per inflation rates.
The SIP installment amount increases at a predefined interval, which helps build a corpus to meet future financial goals.
This helps increase the investment value over time and helps investors maintain their lifestyle while investing more. In other words, the investor saves money on the interest rate and tax benefits.
Step-Up SIPs have various advantages over other forms of savings schemes. Firstly, you can make investments in small amounts over regular intervals.
Secondly, investors need not worry about market fluctuations as they regularly invest small amounts of money.
Thirdly, Step-Up SIPs are ideal for meeting future financial goals such as children's education, marriage expenses, and retirement planning.
Rupee cost averaging works in your favor by buying more units when the market is down and less when the market is up. As a result, you end up paying a lesser cost per unit.
As the investment amount increases, you can make the most of compounding and reap big rewards in the long run.
Step Up SIPs are automated and convenient as they are deducted directly from your bank account on a pre-agreed date.
There is no need to prepare cheques, and you don't have to stress about forgetting to make the payment or keeping track of renewal dates.
Your investment in mutual funds/equity-linked savings schemes (ELSS) is exempted under Section 80C of the Income Tax Act up to Rs 1,50,000/-, which reduces your taxable income.
Mutual funds invest in stocks and shares of the market, which gives you better returns than FDs and other fixed-income investments.
Step-Up SIPs offer a great way to increase your investment amount with time. They help you stay invested during market downturns and ensure that you reap the benefits of compounding through long-term investing.
सोने और चांदी के भाव में निचले स्तरों पर कुछ सुधार देखा गया लेकिन कीमती धातुए लगातार तीसरे साप्ताहिक गिरावट की राह पर है। अमेरिकी डॉलर और ट्रेजरी यील्ड दोनों अमेरिकी फेडरल रिजर्व के आक्रामक रुख पर मजबूत बने हुए है। कॉमेक्स वायदा में सोना 1850 डॉलर के निचले स्तरों को छू कर 1880 डॉलर पर कारोबार करता रहा जबकि कॉमेक्स वायदा चांदी में भी कीमतों में गिरावट के बाद भाव 2250 सेंट पर रहे।
घरेलु वायदा बाजार में सोने पिछले सप्ताह 1 प्रतिशत टूट कर 51200 रुपये प्रति दस ग्राम जबकि चांदी 2.6 प्रतिशत टूट कर 62600 रुपये प्रति किलो पर रही है। डॉलर, जो आम तौर पर सोने के विपरीत होता है, पांचवें सप्ताह भी इसमें बढ़त दर्ज की गई है। वही 10 वर्षीय अमेरिकी बांड यील्ड 3 प्रतिशत के ऊपर पहुंच गई है।
40 साल की उचाई पर पहुंची मुद्रास्फीति को नियंत्रित करने के लिए अमेरिकी फेड ने पिछले सप्ताह की बैठक में ब्याज दरों को 0.50 प्रतिशत से बढ़ा कर 0.75 प्रतिशत कर दिया, जो 22 साल में अब तक की सबसे बढ़ी ब्याज दर वृद्धि रही। बाज़ारो में निवेशक आगे चल कर 0.75 प्रतिशत की बढ़ोतरी की उम्मीद कर रहे थे, जबकि ऐसी सम्भावना को फेड प्रमुख जेरोम पॉवेल अस्वीकार किया है जिससे सोने और चांदी के भाव में निचले स्तरों पर कुछ सुधार रहा। इस साल के अंत तक फेड ब्याज दरों को बढ़ाकर 2 से 3 प्रतिशत पर रखेगा।
फेड अपनी 9 ट्रिलियन डॉलर की बैलेंस शीट को भी तेज़ी से कम करेगा। भारतीय रिज़र्व बैंक और बैंक ऑफ़ इंग्लैंड ने भी मुद्रास्फीति को लम्बी अवधी में नियंत्रित करने के लिए ब्याज दरे बढ़ाई है। कच्चे तेल, कोयला और प्राकृतिक गैस की आपूर्ति अभी तक बाधित है और ऊर्जा स्त्रोतों की कीमतों में बढ़ोतरी सोने के भाव को सपोर्ट कर रही है। केंद्रीय बैंको के आक्रामक रुख के चलते ग्लोबल मंदी के संकेतो से दुनिया भर के शेयर बाज़ारो में गिरावट है।
सोने और चांदी के भाव में इस सप्ताह सुधार रह सकता है। सोने में 50300 रुपये पर सपोर्ट है और 51700 पर प्रतिरोध है। चांदी में 61000 रुपये पर सपोर्ट और 64500 रुपये पर प्रतिरोध है।
कीमती धातुओं के भाव में पिछले सप्ताह के शुरुवात में गिरावट रही लेकिन, अक्षय तृतीया से पहले भाव कम होने से इनमे निचले स्तरों से खरीदारी देखने को मिली है। घरेलु बाज़ारो में सस्ते भाव पर मांग रहने के अलावा वैश्विक अर्थव्यवस्था में गिरावट की आशंका से कीमती धातुओं को निचले स्तरों पर सपोर्ट है। ग्लोबल ग्रोथ में कमी की आहट अमेरिका के आर्थिक आकड़ो में दिखाई देने लगी है।
पिछले सप्ताह में अमेरिका से जारी जीडीपी के आंकड़े ने कुछ निवेशकों को सुरक्षित-संपत्ति की ओर आकर्षित किया है। अमेरिकी अग्रिम जीडीपी के आंकड़े 1.1 प्रतिशत अनुमान के विरुद्ध -1.4 प्रतिशत रहे जो वैश्विक विकास में मंदी की ओर संकेत कर रहे है।हालाँकि, सितंबर 2021 के बाद से सोने की सबसे बड़ी मासिक गिरावट देखि गई है क्योंकि अमेरिकी फेडरल रिजर्व द्वारा आगामी बैठक में ब्याज दरों में आक्रामक रूप से वृद्धि की उम्मीद है, बैठक इस सप्ताह 3-4 मई को होने वाली है।
फ़ेड द्वारा ब्याज दर वृद्धि के कारण कीमती धातुओं में बने दबाव, कमजोर अमेरिकी जीडीपी आकड़ो से घटता हुआ दिखाई दे रहा है। फेड नीति निर्माता 2022 में ब्याज दरों में वृद्धि की गति को तेज करने की योजनाओं को बना रहे हैं। हालांकि, आर्थिक मंदी से बचने के लिए यह गति कितनी तेज होनी चाहिए, इस पर अभी तक सहमति नहीं बन पाई है। डॉलर, जो आमतौर पर सोने के विपरीत होता है, पिछले सत्रों के दौरान विरोधी मुद्राओं के मुकाबले 20 साल के उच्च स्तर पर पहुंच गया है, जिससे ऊपरी स्तरों पर कीमती धातुओं के भाव में दबाव है।
इस सप्ताह अमेरिका से जारी होने वाले आर्थिक आंकड़े कीमती धातुओं के भाव पर असर डालेंगे जिनमे, सोमवार को आईएसएम मैन्युफैक्चरिंग पीएमआई, मंगलवार को जोल्ट्स जॉब ओपेनिंग, बुधवार को फ़ेडरल रिज़र्व की बैठक, एडीपी नॉन फार्म एम्प्लॉयमेंट चेंज, गुरुवार को ब्रिटैन की मौद्रिक नीति और शुक्रवार को अमेरिकी पैरोल के आंकड़े महत्वपूर्ण है।
सोने और चांदी के भाव में इस सप्ताह सुधार आने की सम्भावना है। सोने में 50800 रुपये पर सपोर्ट है और 52300 पर प्रतिरोध है। चांदी में 63500 रुपये पर सपोर्ट और 66500 रुपये पर प्रतिरोध है।
How accurately do you define small-cap stocks in the context of India? There are various definitions, but large-capitalization is a term used to classify companies with relatively small market capitalization.
For your safety, you can easily consider stocks with a market capitalization of Rs 2000 to Rs 5000.
Of course, you need to do your homework before investing in these stocks online, but here are 10 things to check when buying small-cap stocks in the stock market.
Before buying any stock, you exactly need the time horizon as it will help you decide up to what time you should hold the stock.
Time horizon can be divided into three types:
An investment that you need to hold for 1 year comes in the short term. If you want to buy stocks that come under the short term horizon, then it would be best to invest in stable blue-chip stocks which give you good investments. These stocks hold a good balance sheet and also possess minimum risks.
People who want to invest in the middle term should invest in emerging market stocks and have a moderate level of risk.
Long term investment stocks have the ability to generate long term stock market trading returns and have to recover if their prices go down due to volatility.
Small-Cap stocks are the ones that have a small market capitalization. Hence it is important to check the past record of any small-cap companies. Since the company stocks carry high risks, you need to carefully examine the stock’s fundamental analysis and technical analysis before selecting any stock.
Therefore it is suggested to invest in the small case stocks that have a good track record i.e. at least of 5 years.
Before selecting any small case stock, you need to focus on the strategies which are used by most investors:
Value investing is mainly used by giant investors like Warren Buffet. This type of investing refers to the company stocks that are undervalued compared to peers in a hope of gaining good stock trading returns.
In growth investing, people invest in stocks that show huge growth in terms of revenue and earnings. Investors firmly believe that any upward trend in these stocks will generate huge profits.
Income investing in the stocks that pay you high dividends. These are quality stocks and are investors’ favorites because the income generated by these stocks can be reinvested for higher earnings.
Sometimes consistency matters more than absolute performance, especially in the case of small-cap stock.
Hence it is suggested to invest in the companies that have shown growth and have a good past track record and neglect the companies which have shown poor performance. It has been seen that the consistent small-cap achieves better valuations than the other small-cap stocks.
It is good to check the fundamentals before buying any stock:
The ratio refers to the stock price with respect to the company’s earnings on an annual basis. For instance, if a company is trading at Rs 20 per share that generates EPS of Rs 1 on annual basis; that means the share price is 20X times the company's earnings calculated annually.
Debt to equity ratio tells how much the company is in debt. It is to be noted that high debt is bad as it leads to bankruptcy.
The ratio compares the stock price to the net value of assets that are owned by the company which is then divided by the number of outstanding shares.
Small-cap companies are those that have a single product or single service as they don't have much capital to expand their business. In this case, the size of the market matters a lot. Also, the company’s position in the stock market highly matters as it makes a countable difference to company valuations.
A dividend refers to a portion of profits companies share with their shareholders. They distribute profits in the form of dividends. Investors who are interested in dividend stocks should check the dividend history of the companies before going for any stock.
Contingent liabilities mean pending legal cases, open derivative exposures etc. Small-cap companies generally have contingent liabilities. Hence it is important to check whether a company is involved in any legal cases or not.
In addition to this, you need to check whether the auditor is not qualified or the auditor resigns from their position.
Volatility badly affects small-cap stocks. The small-cap stocks with high volatility will rise on bullish days and fall drastically when the market gets into a bearish mode.
It is important to check the cash flow statements, especially in the case of small-cap stocks. As the small-cap stocks generally lie under liquidity constraints which means that the small-cap stocks are unable to manage their working capital effectively.
Small-cap stocks are highly volatile which makes them full of risks. It makes it difficult for investors to trade in small-cap stocks. However, you can select good small-cap stocks if you use these factors for stock trading.
Savings vs Investing: Which one is an ideal choice for a beginner? This question has been asked by thousand of people. The term saving and investing look similar to each other and hence most of the time they are used interchangeably. But if you get deep down into it, you will know that there is a thin line between the two terms.
People who are new to savings and investing should know the fundamentals of the two essential processes. Here, a simple question arises: should you start saving or investing or do both together?
In this blog, we will unlock the concepts of both savings and investing.
Savings means the leftover money one deducts after the expenditure from their income.
Savings= Income - Expenditure
Saving money provides a sort of financial security as it will help people use them in case of emergencies and needs. Also, they can use this money for investments.
Savings are usually done by putting money in monthly and yearly plans.
You can use any type of government-backed saving plan because of sudden huge expenses that go unrecorded. Hence, you are required to make a proper plan to save regularly and effectively.
The best possible way to start saving is by budgeting.
A budget is a plan of action that helps one to cut down several expenses and help him limit his spending on unnecessary expenditures.
If one is unsure about the limits of spending, you can use the following thumb rule 50-30-20 to start budgeting.
You can alter this rule as per your requirements and goals.
Savings remains unaffected by any events in the economy. Since it's not an invested amount, you can achieve your objectives as per the fixed schedule and a fixed amount.
Saving is the initial step toward investment. Also, it helps you to save money for your goals too in the most disciplined manner.
Because of the inflammation, the purchasing power of money can get reduced. Hence it can be suitable for short term tasks only.
Most savings plan offers low to moderate interest rates which can't be enough to beat the inflation rate.
One should use savings only if -
Although saving is necessary for financial security, there is another fundamental process for building wealth. I,e Investing.
Investing is the process of -
As savings are usually done with government schemes, investing is mainly done through the stock market and mutual funds.
Investing is quite complex compared to savings, however with the right kind of knowledge, one can easily invest in the stock market through stock trading.
Investment should be classified as short term, medium and long term goals. Also, it depends on one’s risk appetite.
Risk is the amount you can afford to lose. It’s also known as an investor’s risk appetite.
Before investing in any stocks, you need to do a complete analysis of a company: fundamental analysis and technical analysis.
Fundamental Analysis: It is the process of analyzing the financial status of a company and the industry in which it is operating to make any investment or trading decisions.
Technical Analysis: Through technical analysis, you can analyze the charts with the help of patterns and indicators which are in turn used to find out the possible price trends in the future.
Pros and Cons of Investing
Investing helps you to combat inflationary pressure. Investing in the equity segment can make your money grow at a faster rate so that it can beat inflation in the future.
Investing beats inflation with a unique feature which is known as compounding of wealth. Hence, the earlier you invest, the more of your earnings will multiply with the passage of time.
Due to the growth of wealth, you don’t require to set as much money for a goal as compared to simply saving money.
Cons
Investing needs adequate knowledge, strong analytical skills and emotional intelligence. It requires a lot of practice to become a skillful investor.
Investments can be affected by a variety of factors such as company results, and economical events.
Hence, before investing your money in any financial instrument, one needs to study all the necessary factors for wealth building.
Well, if you want to make your financial future secure, then investing is something that comes second to none.
The advantage that comes into play, you need to invest money for a long term of at least 10 years.
Therefore, one should choose to invest when -
Here is an important point to note savings come before investing and never together. This is because, how will you invest if you don't save money for it.
If you are a beginner, who wants to save or invest money will be someone who has just started earning money.
If you are stuck in a situation, then you need to clear financial objectives and goals first. Once the habit of discipline is built, a beginner will find it to maintain that discipline for the investment as well.
Saving and investing are two terms that are interrelated with each other. Beginners who want to build their wealth, need to save their money first, build a successful financial plan and move on.
If you are one of those who have little or less idea about investing, then it's the right time to go for wealth managers as they will assist you in finding your goals and achieving them. There are many stockbroking firms that help people find their paths in investing.
अपेक्षा से अधिक मुद्रास्फीति के आंकड़ों से सोने की कीमते कॉमेक्स वायदा में 1980 डॉलर प्रति औंस के स्तर तक पहुंच गई है। प्रमुख अर्थव्यवस्थाओं के मुद्रास्फीति आकड़ो में बढ़ोतरी दर्ज की गई है जबकि अमेरिकी मुद्रास्फीति मार्च माह में कम होने के बाद भी साल -दर साल बढ़ी है जिससे यह 40 साल की उचाई पर बरक़रार है।
बढ़ती हुई मुद्रास्फीति के बीच तेज़ी से ब्याज दर बढ़ोतरी और बैलेंस शीट में कटौती, चिंता का विषय है। जिसके कारण अमेरिका के साथ वैश्विक अर्थव्यवस्था क्षतिग्रस्त हो सकती है इसलिए कीमती धातुओं के साथ अमेरिकी बांड यील्ड और डॉलर इंडेक्स में बढ़ोतरी देखी जा रही है। कच्चे तेल के भाव में तेज़ी फिर से दिखाई देने लगी है और ब्रेंट तेल के भाव पिछले सप्ताह में 8 प्रतिशत तेज़ हो कर 111 डॉलर प्रति बैरल पर पहुंच गए है जो मुद्रास्फीति में सपोर्ट करेंगे।
भू -राजनीतिक जोखिम, कोविड वापसी की दस्तक और महामारी के कारण छोटे देशो की चरमराती हुई अर्थव्यवस्था सोने और चांदी के भाव को सपोर्ट कर रही है। घरेलु वायदा बाजार में सोने के भाव पिछले सप्ताह 1.8 प्रतिशत तेज़ हो कर 53000 रुपये प्रति दस ग्राम के स्तरों पर पहुंच गए है और चांदी के भाव 3 प्रतिशत तेज़ हो कर 69000 रुपये प्रति किलो के स्तरों पर पहुंच चुके है। इस सप्ताह के लिए चीन से जारी होने वाले आर्थिक आंकड़े, फेड प्रमुख जेरोम पॉवेल का बयान, अंतर्राष्ट्रीय मुद्रा कोष की बैठक और फ्रांस राष्ट्रपति के चुनाव सोने और चांदी की कीमतों के लिए महत्वपूर्ण रहेंगे।
इस सप्ताह सोने और चांदी के भाव तेज़ रह सकते है। जून वायदा सोने में 52500 रुपये पर सपोर्ट और 53300 रुपये पर प्रतिरोध है। मई वायदा चांदी में 68000 रुपये पर सपोर्ट और 70000 रुपये पर प्रतिरोध है।
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