Tag: Stock investing

Top 10 Best Trading Apps in India for Beginners to Earn Money | Best Mobile Trading Platforms 2025

Mobile cryptocurrency trading has seen a tremendous surge in India due to the increased number of beginners who started using apps before getting into real trading. The trend of trading via smartphones is going to another level with its user-friendly and seamless trading experience.

Nowadays, trading apps have become quite common among youths. People have started preferring mobile trading rather than traditional trading. Moreover, cryptocurrencies have also become the latest fad among youths. India ranks 2nd in the world in crypto adoption.

Despite the risk, cryptocurrency platforms have successfully been able to hook young Indians by offering a seamless user experience. Even inexperienced youths are busy exploring these crypto trading apps.

In order to make your trading experience more confident, we have compiled a list of the safest online stock trading and crypto trading apps in India. You can have a look at these lists and analyze which apps suit you best.

List of Top 10 Trading Apps in India

S.No.	Platform	Active Clients (approx.)	Brokerage Charges	Key Feature
1	Zerodha Kite	1.2 crore+	₹20 per trade (equity intraday & F&O)	Advanced charting & lowest brokerage
2	Upstox PRO	60 lakh+	₹20 per trade (equity intraday & F&O)	Fast order execution & rich indicators
3	Angel Broking	40 lakh+	₹20 per trade (equity intraday & F&O)	Personalized advisory & research
4	Motilal Oswal	15 lakh+	% based (0.3% delivery, 0.03% intraday)	Strong research & wealth management
5	5Paisa	25 lakh+	₹20 per trade (equity intraday & F&O)	Flat brokerage & robo-advisory
6	India Infoline	10 lakh+	% based (0.25% delivery, 0.03% intraday)	Research-backed investment options
7	Kotak Securities	12 lakh+	Free intraday, 0.25% delivery	Zero brokerage intraday & full-service support
8	Groww	55 lakh+	₹20 per trade (equity intraday & F&O)	Easy-to-use app & direct mutual funds
9	Dhan	8 lakh+	₹20 per trade (equity intraday & F&O)	TradingView integration & speed
10	Paytm Money	9 lakh+	₹20 per trade (equity intraday & F&O)	Low-cost investing & mobile-first platform

List of Safest Online Crypto Trading Apps in India

S.No.	Platform	Key Feature	Suitable For
1	Binance	World’s largest crypto exchange by volume	Experienced traders & large-volume traders
2	Coinbase	User-friendly platform with strong security	Beginners and institutional investors
3	WazirX	Popular Indian crypto exchange with P2P feature	Indian crypto users & P2P traders
4	Trading View	Advanced charting and social trading platform	Technical analysts & social traders
5	Bitfinex	High liquidity with advanced trading options	Professional traders & margin traders
6	Kraken	Robust security and wide range of cryptocurrencies	Security-conscious traders & global users

List of Safest Online Stock Trading Apps in India

Someone who’s stepping into the world of the stock market needs to have the proper stock trading app from an authorized stock trading platform. Since they’re beginners, they want the safest, most user-friendly, and most legitimate platform to start their trading journey.

So, here is a list of online stock trading apps offered by legit discount brokers that would help you to buy or sell stocks with simple steps.

Zerodha Kite

Platform	Zerodha Kite
Founded Year	2010
Headquarters	Bengaluru, India
Special Feature	Advanced charting with 100+ indicators, seamless order execution, API for algo trading

Zerodha Kite is one of the best and safest trading apps and the number 1 stockbroker in the country, making it the best trading app for beginners in India. The app has a user-friendly platform with streaming market data, advanced charts, an elegant UI, and more. Zerodha is India’s first discount brokerage company.

For intraday trading of stocks and futures (i.e., when you buy and sell the stock on the same day), the brokerage charge is 0.03% of turnover or INR 20, whichever is lower per executed order.

Zerodha can be the best choice for a beginner as well as an experienced individual.

Zerodha Trading | Full Tutorial

Upstox PRO

Platform	Upstox PRO
Founded Year	2011
Headquarters	Mumbai, India
Special Feature	Fast order execution, advanced charting tools, options strategy builder, and seamless mobile trading experience

Upstox PRO is a mobile application of one of the leading discount brokers in the country, i.e., Upstox. Upstox was formerly known as RKSV Securities, and Ratan Tata backs the company.

The Upstox charges are similar to those of Zerodha, making it a discount broker and the second-best trading app in India. It is also recognized as the best trading app for beginners. Currently, you can open a Demat and trading account with Upstox for free of cost with various other benefits.

Angel Broking

Platform	Angel Broking
Founded Year	1987
Headquarters	Mumbai, India
Special Feature	Personalized advisory services, AI-powered ARQ investment engine, and extensive research reports

Angel Broking is one of the oldest players in the stock market brokerage industry. They have been in the industry for more than 30 years, and is top 5 trading app in India. They have a wide range of services, and an online trading platform is one of them. Earlier, the company used to follow a full-service model for its trading platform, but in 2019, it started following the discount broker method.

All intraday trading, i.e., stocks, futures, options, currencies, and commodities, will be charged INR 20 per trade. Angel Broking account opening charges are free, and one is exempted from paying the Annual Maintenance charge for the first year.

Motilal Oswal

Platform	Motilal Oswal
Founded Year	1987
Headquarters	Mumbai, India
Special Feature	Research-driven stock recommendations, wealth management services, and strong focus on long-term investing

Motilal Oswal (MOSL) is another major stockbroker in India who started in 1987. They have a strong network of branches and sub-brokers. The company has 1700+ branches across India. Motilal Oswal is not a discount broker. Their brokerage charges are quite higher as compared to the discount brokers.

Their research papers are considered good as they invest 10% of their profits into research. If you are a beginner who requires some guidance and doesn’t mind paying extra, then you can choose Motilal Oswal for the best mobile trading app experience.

5Paisa

Platform	5Paisa
Founded Year	2016
Headquarters	Mumbai, India
Special Feature	Flat ₹20 per trade brokerage, robo-advisory, and easy-to-use mobile app for trading and investing

5Paisa is also known as one of the best trading platforms and a discount broker in India. The company, promoted by IIFL (India Infoline), offers a unique feature of guest login. Using this feature, one can avoid giving their personal details to check the app and end up getting unsolicited emails, calls, and messages from the service provider.

All intraday trading, i.e., stocks, futures, options, currencies, and commodities, will be charged INR 20 per order that is executed. The rates are similar to other discount brokers such as Upstox, Zerodha and Angel Broker.

India Infoline

Platform	India Infoline
Founded Year	1995
Headquarters	Mumbai, India
Special Feature	Comprehensive research reports, wide investment options, and strong customer support

India Infoline (IIFL) is a full-service stockbroker. It is a reputed stock broker in India that was established in 1995. IIFL’s brokerage charges are higher than those of other discount brokers.

The company provides personalized service to all its clients, and if someone is looking for a company that will guide and support them through research and recommendations, then they can choose IIFL. They provide stock tips to make a better decision.

Kotak Securities

Platform	Kotak Securities
Founded Year	1994
Headquarters	Mumbai, India
Special Feature	Zero brokerage on intraday trades, full-service brokerage with research and advisory

Kotak Securities is an excellent choice for new investors, offering a hassle-free account opening process with no fees and discounted rates for those under 30. Their intuitive trading app is available on multiple platforms and provides access to diverse investment options, such as stocks, IPOs, derivatives, mutual funds, and global investment opportunities. In addition to its user-friendly interface, the platform offers several valuable features, such as margin funding, live portfolio tracking, and comprehensive stock analysis tools.

Kotak Securities stands out among other trading platforms because it offers zero account opening charges and competitive brokerage rates of 0.25%. With over 10 lakh Android downloads, their mobile app is user-friendly and allows for seamless trading experiences. Additionally, their refer and earn program rewards users with referral points equivalent to 15% of the referred transactions, incentivizing them to grow their network. Kotak Securities is committed to making investing accessible and affordable for everyone, with no initial financial barriers and competitive brokerage rates.

Groww

Platform	Groww
Founded Year	2016
Headquarters	Bengaluru, India
Special Feature	User-friendly platform offering direct mutual funds, stocks, ETFs, IPOs, digital gold, and F&O trading

Groww has a simple pricing structure that follows a flat fee model for brokerage charges. This model charges a minimum brokerage of 0.05% and a maximum of INR 20 across all trading segments, including Equity Delivery, Intraday, and F&O. This provides investors with transparency and cost-effectiveness. Moreover, account opening and maintenance are free, and there are no charges for Demat account upkeep, making it more accessible for users. The platform offers a wide range of investment options, such as stocks, mutual funds, gold, US stocks, and fixed deposits, and provides robust security measures to safeguard customer data and transactions through encryption and verification protocols.

Groww offers various tools like live market updates, stock screening, portfolio tracking, SIP calculator, and smart alerts for informed decision-making. Users also receive expert guidance and support from a dedicated team of analysts who provide research reports, recommendations, tips, and insights. With 24/7 customer support, Groww ensures a seamless investment experience for its users.

Dhan

Platform	Dhan
Founded Year	2021
Headquarters	Mumbai, India
Special Feature	TradingView & ChartIQ integration, fast order execution

Dhan is a modern trading app designed for both active traders and long-term investors. Known for its fast trade execution and advanced options trading tools, it offers real-time market data, backtesting, and API access for algorithmic trading, making it ideal for options traders and algo developers seeking a technical edge.

The platform also stands out for its innovative features, competitive pricing, and strong focus on user education. Unlike many brokers, Dhan charges no account maintenance fees and no brokerage on stock delivery trades, which appeals to long-term investors. For intraday trades, it applies a flat fee of INR 20 per order or 0.03% of trade value, whichever is lower.

With advanced charting tools, fractional share investing, access to US stocks, and a user-friendly interface, Dhan offers a blend of affordability, technology, and educational support—making it a compelling choice for traders at every level.

Paytm Money

Platform	Paytm Money
Founded Year	2017
Headquarters	Bengaluru, India
Special Feature	Direct mutual fund investments, stock trading, NPS, digital gold

Paytm Money, a subsidiary of One97 Communications, was launched to make investing simple and accessible for India’s young and first-time investors. Headquartered in Bengaluru, the platform focuses on providing seamless digital investment solutions through its mobile app and web interface.

The platform offers paperless account opening, easy fund transfers, and zero-commission stock investing, along with mutual fund investments featuring SIPs, risk profiling, and real-time portfolio tracking. Backed by major investors like Ant Group and SoftBank, Paytm Money is strategically positioned to cater to the rising wave of digitally savvy millennials seeking effortless entry into the financial markets.

List of Safest Crypto Trading Apps in India

Like the stock trading app, there are crypto trading apps meant for buying or selling underlying coins via an exchange.

Crypto Trading Apps provide a platform to consider the movement of cryptocurrency prices. One can buy or sell cryptos like Bitcoin using Indian Rupee in simple steps using these mobile apps.

Binance

Binance, established in 2017, is a platform for trading cryptocurrencies. It is considered one of the largest cryptocurrency exchanges in the world based on its trading volumes. The platform focuses strongly on Altcoins. An altcoin is an alternative digital currency to Bitcoin. It refers to a group of cryptocurrencies, ultimately all the cryptocurrencies other than Bitcoin.

The platform charges 0.1% from the taker and 0.1% from the maker’s side. You can choose Binance for trading cryptos if you want to invest in lesser-known cryptocurrencies.

Coinbase

Coinbase is also a cryptocurrency platform founded in 2012. It is a secure platform for buying, selling, and storing cryptocurrencies and is quite popular in the United States.

Coinbase charges around $0.99 to $2.99 depending on the dollar value of the purchase. Their user interface is considered to be very simple, and the transactions are highly liquid.

WazirX

WazirX is an Indian cryptocurrency trading platform that is owned by the global cryptocurrency exchange Binance. WazirX has the highest trading volume compared to any other cryptocurrency exchange in India.

WazirX claims a $2.3 billion monthly volume with a registered user base of around 1.75 million. As per CoinMarketCap, WazirX was the 27^th top cryptocurrency exchange globally in terms of liquidity, traffic, trading volumes, and confidence in the legitimacy of the trading volumes.

Trading View

Trading View is a stock market trading and investing platform. It is one of the best platforms for beginners as it provides an option for paper trading. Paper trading is a method where the platform provides you with an imaginary amount and lets you pick trades in an imaginary stock market.

The platform provides an experience of what the real market looks like and how trading feels exactly. Also, there is an option to trade in cryptocurrency exchanges as well.

Bitfinex

Bitfinex is a cryptocurrency trading platform owned and operated by iFinex Inc, which is registered in the British Virgin Islands. The platform was launched in 2012 and deals with all sorts of cryptocurrencies around the world.

Bitfinex is the leading exchange for USD-denominated Bitcoin trading. It offers to order books with top-tier liquidity, allowing users to easily exchange Bitcoin, Ethereum, EOS, Litecoin, Ripple, NEO and many other digital assets with minimal slippage.

Kraken

Kraken is a cryptocurrency platform where you can trade all kinds of cryptocurrencies using fiat currencies. You can use fiat currencies such as U.S. Dollars, Canadian Dollars, Japanese Yen, and Euros.

Conclusion

They offer a trading platform with all sorts of required features for individual cryptocurrency traders as well as large trading firms. Kraken is one of the top leaders in cryptocurrency exchanges.

Everyone (be it a trader investor or youth) has started to lean more towards the discount brokers who are offering their best online trading mobile app service. Hence, these trading apps are considered to be the best and safest in the marketplace.

Disclaimer: All the above-mentioned data are based on our research. Use these apps only after thorough research from your side.

FAQs

Which are the best stock trading apps for beginners in India?

The safest online trading apps in India are as follows:

Zerodha Kite
Upstox PRO
Angel Broking
Motilal Oswal
5Paisa
India Infoline Markets
Binance
Coinbase
WazirX
Trading View
Bitfinex
Kraken

How much money do day traders make in India?

It depends on who is trading. If a non-skilled trader is trading, it is highly likely that he/she will lose money. But if a skilled trader is trading, he/she can make up to ₹1 lakh per day with ₹1 crore of investment, i.e., 1%.

Who are the prominent traders in India?

Some prominent traders in India include Radhakishan Damani, the founder of D-Mart, and Nemish Shah, the co-founder of Enam Holdings.

Is online trading safe?

Online trading is as safe as offline trading. It has grown over 100% in India due to an increasing number of beginners who have started using the apps before getting into real trading.

Is Zerodha good for beginners?

Zerodha is considered the best discount broker for beginners in the trading market as its brokerage charge is 0.03% of turnover or INR 20, whichever is lower per executed order.

What is WazirX?

WazirrX is an Indian cryptocurrency trading platform that is owned by the global cryptocurrency exchange Binance. WazirX has the highest trading volume compared to any other cryptocurrency exchange in India.

Is Kite Zerodha safe?

Zerodha is a safe, legitimate, and genuine stock broker in India. SEBI regulates it and is a debt-free company.

Which is the best mobile trading app in India?

According to user reviews and industry rankings, IIFL Markets is often considered the best mobile trading app in India for its user-friendly interface and comprehensive features.

Which trading app is best for beginners?

Groww and Paytm Money are best for beginners in India because they are simple, low-cost, and easy to use.

July 28, 2025

Kelly Criterion- A Warren Buffet Used Investment Analyzing Formula
Everyone seeks to earn a hefty sum of money as well as maximize the long-term growth of capital. All they require is to calculate the expected return to benefit their money value and bankroll.

On the other hand, the calculation of long-term wealth should minimize uncertainty. Therefore, Kelly L.J has developed a theoretical statistical method to measure expected return value in the future, by adjusting the investment size with the use of the Kelly criterion.

People flummox themselves with the Kelly criterion and return on Investment formula. So the difference between these two is simple: interest is considered while calculating ROI. And the Kelly criterion follows the probability.

What is Kelly Criterion?
What are the Pros and Cons of Kelly Criterion?
How does the Kelly criterion work?
How do investors use the Kelly criterion?
Mechanism of Kelly Criterion

What is Kelly Criterion?

Generally, the Kelly criterion is a formula that maximizes the expected value of the logarithm of wealth that is equivalent to maximizing the expected long-term growth rate. The idea was derived from an American scientist John L. Kelly, who was a member of a research center at AT&T’s Bells Lab, New Jersey in 1956.

This method is used mostly by gamblers and investors to get double on the investment or bet they have funded. The formula works through a predetermined fraction of assets.

The Kelly criterion method earned recognition in gambling and investment, as people aim to get more returns and save bankroll. So, the Kelly criterion fit the ball in accelerating the earnings.

What are the Pros and Cons of Kelly Criterion?

Pros of Kelly Criterion:
- The main purpose of implementing the Kelly criterion is to estimate the expected value in the future which helps maximize the rate of asset growth.
- There is no plethora of loss of money on the investment, as it will take less money in case of prolonged series of failures.
- Lately, the Kelly criterion is highly dependent on the probability of winning and the probability of loss of the asset value. So, if you have the chance of high returns on the investment, it’s a win-win situation for you accordingly.
Cons of Kelly Criterion:
- As said before, The Kelly criterion works with probability whereas if the rate of investment runs positive in the market, you would benefit from its output. Meanwhile, if the asset value faces a bank stake, then it’s a loss for you.
- Secondly, people won’t stay in the long-term investment unless it shows propitious promising in the future for the investors.
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How does the Kelly criterion work?

The Kelly criterion is formulated in two fields- Gambling and investment, which is the only place, where a person can win a hefty amount and manage a long-term growth of capital.

The method is all about the comparison of other strategies to identify the asset value. In the olden days, the Kelly criterion was made for gambling, where the participant bets on the coin and expects a high value.

Besides, the Kelly criterion works on investment by enticing participants to pay off more on such investment which gives him flavorful output in the future.

Participants use the Kelly criterion, where the expectation value of a function is given by the sum, over all the possible outcomes, of the probability of each particular outcome multiplied by the value of the function in the event of that particular outcome.

How do investors use the Kelly criterion?

Kelly Criterion Formula

Kelly criterion is used by investors while trading in the stock market to find the percentage of the money they need to allocate to each investment. This is done by using a mathematical formula.

K% = W – [(1-W) / R]

where,

K%=The Kelly percentage

W=Winning probability

R=Win/loss ratio

The investors have to access their past 50 to 60 trades from their recent tax returns. Investors have to calculate the value of W – the winning probability. The value can be found by diving into the number of positive resultant returns by the total number of trades that can be both positive and negative. Anything above 0.50 and any number close to 1 is good.

Then R – win/loss ratio is calculated by dividing the average gain on positive trades by the average loss on negative trades. It is good if the number is less than one and the losing trades are small.

Both the W and R values are applied to the Kelly criterion formula and the result is noted. The result percentage indicates the size of the positions that should be taken in the assets in the portfolio. If the resultant percentage is found to be 0.31. Then one should take an estimated 31% position in each of the equities in the portfolio.

It is advised that not more than 20% or 25% be invested in one asset or equity as it increases the financial risk.

The Kelly criterion is known to be used by popular investors like Warren Buffet, Charlie Munger, and Bill Gross.

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Mechanism of Kelly Criterion

Kelly Criterion is a money management principle and can be applied mainly in activities related to gambling and investment. In investment, the formula calculates the percentage of the account that the investor needs to invest. In sports gambling, the formula is mainly applied to maximize the potential returns on wagers and minimize the chances of losing a bankroll entirely.

Let’s take an example on the note of “how do the Kelly criterion formulae apply?” Let’s say probability, the first thing that comes to mind is fifty-fifty chances or a win-loss situation. If you roll a dice, then the chances of getting any number between 1,2,3,4,5, and 6 are unknown. So, take 1,2,3 as 60% possibility whereas 4,5,6 are 40% possibility and vice versa.

For instance; if a company offering a trade of 27.73 per share with an upside range of 37.65 and downside worth of 23.85.

So, out of 100% per share value (27.73)- 70% probability of earning an upside value of 37.65 and 30% of 23.85.

if you calculate the percentage value of upside and downside per share, you will get a 35.77% Gain and 13.99 as a Loss.

So, now perform the Total Expected Outcome (Probability)= (70% x 35.77) + (30% x [-13.99 LOSS]) = 20.84

now, apply Kelly Criterion formulae;

Total capital planning to allot = 20.84/ 35.77= 58.26%

Therefore, the company plans to invest 58.26% of the capital investment.

Conclusion

Kelly Criterion is one famous method used for a long time both in gambling and investments. Kelly criterion helps in minimizing the loss and focuses on achieving efficient returns through diversification. It is necessary and important that proper judgment based on reliable means should be taken while dealing with capital.

Even though the formula was created by John Kelly of Bell Labs, to analyze long-distance telephone signal noise, the Kelly criterion acts as a reliable model to help gamblers and investors in deciding the size of the position they should take which leads to diversification and efficient and effective money management.

FAQs

What is Kelly Criterion?

Kelly Criterion is a formula proposed by John Kelly used by investors to calculate what percentage of their money they should allocate to each investment.

Which investors use Kelly Criterion?

Popular investors like Warren Buffet and Charlie Munger, along with legendary bond trader Bill Gross.

Who developed the Kelly criterion?

The Kelly Criterion was proposed by John Kelly in the 50’s who at that point was working for AT&T’s Bell Laboratories.

What is the formula for Kelly criterion?

The Kelly Criterion formula is K% = W – [(1-W) / R]. Here, K% stands for Kelly percentage, W stands for winning probability and R stands for the ratio of winning or losing.

Kelly Criterion is used for?

Kelly criterion is mainly applied in the field of investment and gambling. It is used to determine the amount of money one should bet in a single round.
August 7, 2022

Success Story of Savart: Company That Helps You to Manage Your Investments

Company Profile is an initiative by StartupTalky to publish verified information on different startups and organizations. The content in this post has been approved by Savart.

Everyone yearns to make money and get rich. But, you simply cannot become wealthy with that increased paycheck. It all boils down to wealth management. Dave Ramsey rightly says, “money moves from those who do not manage it to those who do.” Money management, however, is not so simple. It requires knowledge, observation, expertise, and patience.

Savart, a fintech startup by Sankarsh Chanda, is here to simplify investment management for you. Savart combines computing accuracy with the best of human intelligence. Savart advises over 100 crore rupees in assets and works with clients from over 30 countries. (As of January 2020)

This ensures easy, safe, and profitable investments through its award winning research methods. StartupTalky interviewed Savart CEO Sankarsh Chanda, who started the company when he was just 18!

Savart – Company Highlights

Startup name	Savart
Headquarters	Hyderabad
Founder	Sankarsh Chanda
Industry	Investment Management
Founded	2017
Registered Entity Name	Svobodha Infinity Pvt.Ltd
Total Funding	$644.9K

Savart – About
Savart – Industry Details
Savart – Founder And Team
Savart – The Idea And Launch
Savart – Name,Tagline, And Logo
Savart – Business Model And Revenue Model
Savart – Customer Acquisition
Savart – Funding
Savart – Challenges
Savart – Competitors
Savart – Achievements
Savart – Awards
Savart – Partners
Savart – Advisors And Mentors
Savart – Future Plans
Savart – FAQs

Savart – About

Savart is a wealth management platform that simplifies investing in mutual funds, stocks, and bonds both online and offline. Savart combines machine accuracy and human intelligence to help its customers invest in stocks and mutual funds wisely. The company has a research team that does paper-based analysis, meets the management of listed entities, talks to dealers, suppliers, and customers to find out the strength of the entities/firms and take investment decisions accordingly.

Upon signing on its platform, Savart prompts the users to fill an EFG (Emotional Financial General) form. After the EFG analysis, Savart suggests suitable investment options for the user based on their needs and expectations. The user can also manually research and invest in instruments without any guidance. There is the option for users to choose investment goals and Savart then shows combinations of mutual fund, SIP, and STP plans for achieving these goals.

Savart’s services include:

Suggesting investment portfolios based on one’s needs, goals, risk appetite, etc.
Facilitates subscription and redemption of units by transmitting user’s money and instructions to AMCs based on instructions given by the users.
Securing user’s personal and financial transactions related data.
Lets the users track their investments.
Facility to undertake ‘KYC’ requirements.

One can also access Savart’s services through the Savart app. The app is available for both android and ios as well as on the web. The Savart app has several interesting features and has received positive reviews from customers. One such feature is ‘round-up’. Through this facility, Savart stacks up its customers’ savings with loose change from every transaction and on the accumulation of a certain amount, the savings are invested into ETFs.

Savart strives to provide uncompromising advice and research to individuals and institutions irrespective of their quantum of investment. Savart envisions itself as an end-to-end investment services company that helps people realize their dreams & passion. Savart has its office in Hyderabad.

Savart – Industry Details

The asset management industry in India is one of the fastest growing segments in the world. Corporate investors AUM (Asset Under Management) stood at US$ 127.65 billion, while HNWIs (High Net Worth Individual) and retail investors reached US$ 99.05 billion and US$ 82.03 billion respectively in December 2018. India is among the top five countries in terms of HNWIs in the Asia-Pacific region.

The wealth management industry is likely to grow at 10-15% in the next five years.

Savart – Founder And Team

Sankarsh Chanda is the Founder and CEO of Savart.

Sankarsh founded Savart in 2017 when he was only 18 years old. He is a certified Research Analyst, investor, author and fund manager. Sankarsh’s book Financial Nirvana that he wrote when he was just seventeen, explains the art of investment and how to profitably manage one’s hard earned money.

Other core members of the Savart team are:

Aditya Ranade (Chief Investment Officer): Aditya worked with companies like RBS & Morgan Stanley before joining Savart.
Sridhar Vetapalem (Chief Financial Expert): He has 15+ years of fund management expertise.
Taruni Chandrasekhar (CFO): Taruni is a Chartered Accountant and Chartered Financial Analyst.
Pavan Kumar Kotamurthy (Research Analyst –Head): He is a Registered Investment Adviser, Research Analyst, MFD & ED certified, and was with NISM before joining Savart.
Prakash Raju (Rural Operations Head): He has 20+ years of expertise in rural marketing.

Savart – The Idea And Launch

The ideation happened when Sankarsh was only 14 years old. He read an article on“value investing” by Benjamin Graham which stressed on the importance of picking stocks trading for less than their intrinsic value for a profit opportunity. Sankarsh found the idea of value investing interesting and wanted to experiment with it. He convinced his elder sister and started trading through her Demat account. It began with just Rs 2000 that he got as a scholarship and saw his bets pay off quickly. Sankarsh continued thoroughly studying market trends and the balance sheets of different companies to build on his knowledge.

It was never an idea to startup or set up a company. It was a simple idea to give investment advice, build investment strategies and invest; over time, the idea of doing this at a scale and combining my philanthropic interests gave birth to Savart. – Savart founder, Sankarsh Chanda.

Sankarsh started freelancing and drawing investment strategies for individual clients when he was just 16 years old. He was seventeen when the Savart founder published his first book, Financial Nirvana. Meanwhile, Sankarsh joined the B.Tech. course in Bennett University, Greater Noida.

Ajay Batra, the Director of the Center of Innovation and Entrepreneurship at Bennett university gave Sankarsh the confidence to start his venture. Sankarsh invested the money he earned through various investments for launching Savart. He interviewed about 400 people from diverse economic backgrounds to understand customer requirements better before working on Savart.

Savart – Name, Tagline, and Logo

Savart stands for ‘The Art of Savings’.

Savart Logo

The reason we give importance to saving in our name is because it is the fundamental requirement before beginning to invest. And we believe it sounds good too. – Savart founder, Sankarsh Chanda.

Savart’s tagline is ‘Dream Up.’ The tagline is a reflection of Savart’s commitment to helping people ‘live’ better dream bigger. Savart helps to make quick money in the share market. The company’s aim is to help people realize their dreams and passion. The current logo was finalized upon after some iterations and wasn’t a one-time outcome.

Savart – Business Model And Revenue Model

Savart’s services range from financial planning to investment advice and goal planning. Savart follows a simple revenue model; for the services provided, customers are charged as per the following plans:

For Investments between zero to 4,00,000, the charges are Rs.1299/- per annum.
For Investments exceeding INR. 4,00,000 , the charge comprises 0.5%(upfront fee)+ 3% of pre-tax net profits(performance fee).

The company charges 1-2% as commission for mutual fund investments.

Savart – Customer Acquisition

Savart’s initial set of customers came from the team’s families and business connects obtained through referrals. Constant communication with the clients, keeping them in the loop, regular feedback collection, and constant improvements to its online platforms are some of the measures Savart takes to retain customers and uphold client satisfaction.

Savart – Funding

Raising funds has been an enriching experience for the Savart team, as said my Sankarsh. On May 6, 2018, Savart raised $100K in funding. Savart raised seed funding of $544.9K in November, 2021.

Date	Stage	Amount	Investor
May 2018	Pre-seed	$100K	Undisclosed
November 2021	Seed	$544.9K	BEENEXT, Yatra Angel Network

Savart – Challenges

Investing in people and finding the right talent has been a pain-point. Savart has upskilled several individuals to get the maximum out of its team as well as to help its employees move up the progress ladder. Sankarsh mentions that like every other startup, Savart also has downtime and that’s when the team needs some extra motivation. The customer first mindset uplifts everyone in times of distress.

During our meetings, we have an empty chair and assume our customer is there, watching us work. This makes sure that we don’t get distracted or demotivated. – Savart founder, Sankarsh Chanda.

The company never fails to celebrate milestones, no matter how big or small. These include feature release, team member induction, and positive customer feedback among others. Reaching out to the masses and help them invest and make money is Sankarsh’s personal motivation booster.

Savart – Competitors

There are many fintech startups that deal with stock, share and mutual funds investment. Some of the top competitors of Savart are:

Groww
Smallcase
Sqrrl

Savart seeks inspiration from different entities; it is inspired by companies like Zerodha in terms of reach and services, by the likes of Oaktree capital management in terms of their investment research and quality of the team. However, Savart differentiates itself from others through its deep-tech research, customer experience, and the niche customer segments it targets.

Savart – Achievements

Some significant achievements include:

Savart sold mutual funds worth Rs 3.5 crores and stocks worth Rs 2 crores within a month of launching its online platform.
The company is managing an AUM of around 100 crores.
Savart was featured as one of the most promising fintech startups in the world by Burnmark, London.

Savart – Awards

Savart has received the following awards:

SMC Startup pitch Award – Mumbai 2018
T20 Starpreneuer of the Year – Mumbai
Delhi – NCR TiECoN’s QGLUE Design Entrepreneur of the Year

Savart – Partners

Savart has partnered with Bombay Stock Exchange for mutual funds. It is also licensed as a Registered Investment Advisor by SEBI.

Savart is not a broker. So, it has partnered with Upstox, a Mumbai based discount broking firm , for final transactions. Savart is looking forward to partnerships with some other digital brokers. The startup is also in touch with banking correspondents to enhance its offline presence.

Savart – Advisors And Mentors

According to Sankarsh, a mentor is one who adds direction and motivation to the business, offers continuous constructive criticism, and helps build the right culture for the organization. Savart is being mentored by the following experts:

Ajay Batra: Mentor and Business Adviser, Director Bennett Hatchery, ex-Citibank. It was Mr. Batra who gave Sankarsh the confidence and support to think of entrepreneurship, and is mentoring Savart since day one.
Sandeep Kataria: Ex-Marketing Head, Voonik and CureFit.
Hemkumar Vajjha: Chief Technology Adviser MD, Impetus Solutions.
Venkat: Development Head – Tech, Impetus Solutions, 25+ years of tech expertise.

Savart – Future Plans

Savart is all set for expansion and growth. Savart’s major bucket list items for the future are:

Opening offline stores.
Installing automated investment machine. The machine will be set up as an offline kiosk and users will be able to make investments using a debit card or cheque.
Making the Savart platform available in languages like Hindi, Telugu, and Gujarati.

Savart – FAQs

Who is the CEO of Savart?

Sankarsh Chanda is the Founder & CEO of Savart.

How much is the Net worth of Savart?

Savart net worth is 100 crore rupees in assets (As of January 2020).

What is Savart?

Who is Sankarsh Chanda?

Sankarsh Chanda is the Founder & CEO of Savart. He also launched Stardour – a SpaceTech company.

January 18, 2022

Ultimate Checklist For Beginners To Pick Quality Stocks

With the growing and evolving economy, stock picking becomes an essential step to achieve a positive return. In stock picking, certain criteria are fixed and determined to select the capitals for an affirmative response. It’s very important to gather the knowledge that is required in order to make the right investment decisions. That’s why analysing a huge fraction of information is absolutely necessary.

However, it often confuses us that how should we choose the right stock among the bundle of thousands of stocks? Going through every balance sheet and further details could be hectic and time taking.

Therefore, before you move further with your investment, you need to make sure of a checklist for the stock-picking that would make your choice precise. In this article, we present you with the points on the checklist for stock-picking. Stay tuned!

Make Your Choice Clear On Which Company’s Product You Want
Keep Up Your Strengths
Gather Your Knowledge On How Does The Company Make Money
Focus On The Increase In Sales And Revenues
Avoid Companies With Heavy Indebt
Prefer Companies With Sustainable Advantage
Prefer Companies With An Elevated Barrier To Entry
Conclusion
FAQ

Make Your Choice Clear On Which Company’s Product You Want

Your investment needs precise information and proficiency. You need to make your choice clear on which company’s products you like the most and would prefer. As a consumer for this section, you will know which company’s products you prefer before any other. For better understanding, you can talk to a professional or your friends. List out the advantages that come with the company’s products.

Keep Up Your Strengths

In the market, it’s very essential to keep up your strength and build a strong leader. Marketers often prefer and support people with strong upholding and leadership. This is important because when you choose a corporation for investing, it needs to have a strong upholding in the market otherwise, it becomes very difficult to sustain it over time.

Gather Your Knowledge On How Does The Company Make Money

Many companies (mostly on the Internet) make their shares accessible for consumers by a wide public investment methodology. And when you move forward with it, they make their money in hand.

When a company has a broad range of visitors, it becomes convenient for them to monetize their business strategies and make money through those visitors. But, you need to gather accurate knowledge before going public, this could be a big win for you or a major loss. That’s why it’s very essential to know how the company you choose makes the money and how it monetizes its strategy together with time.

Focus On The Increase In Sales And Revenues

For the investors, profit comes from the increased stock price and high sales and interest. Therefore, the key to increasing the profits is increasing the sales. This makes sure that the consumers are preferring this company’s products and like them as well.

Also, the company needs to have the proper track record for increasing sales and profits. It becomes convenient to go through the sales and profits by hitting the Financial tab on an improved investment webpage.

Avoid Companies With Heavy Indebt

Sometimes when a company is defining its way to success, they often search for the best equipment and assets for the growth of their company. But, instead of purchasing them with the money that came from the stock-picking by the investors, they borrow money for this purpose as in debt.

And later when they get to pay back, a huge interest is added to the debt. Then the amount of profit that comes each year goes for the payment of interest. This led to the company at its initial position and no development occurred.

Therefore, it’s better to choose a company that does not have any in debt interests pending.

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Prefer Companies With Sustainable Advantage

Many corporations with time develop the strategic advantage for sustaining by proceeding to operate. This happens when a company has established its name and trust in the market and among the consumers; then even with a slight shortcoming in the product does not take away the trust of people. And they continue with the company’s product lines.

Sustainable advantage can also be obtained within a form of a patent on its various new products that carry the concept of previous products, like complex software. This often happens when a company offers good consumer benefits.

Prefer Companies With An Elevated Barrier To Entry

Certain industries in the market require a huge amount of resources and establishment to make their place in the market. These companies are like those who do not have any such competition among the industries and have a smooth run. There is very little competition for these industries.

This is because the product and services such companies provide needs a long time of dedication and billions of research and resources. Therefore, this becomes a barrier of entry for others. And it is always good to invest in such companies to gain profitable revenue and accomplishment.

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Conclusion

Before you get into stock picking, you need to make sure certain criteria that the company passes through to have a great revenue return. You need to determine what achievements and goals you’d want and stick to them. Make sure you choose an industry that carries your interest and brings out great news and trends to let you explore regularly.

Observe and identify the company that holds a strong position in the market and has a great range of consumers.

Talk to the experts and professionals in the investing field and get the knowledge and information to choose the right company for stock-picking. This would help you in better understanding and analysis for the company.

FAQ

What is a stock pick?

A stock pick is when an analyst or investor uses a systematic form of analysis to conclude whether a particular stock will make a good investment or not.

What is the best stock alert app?

Yahoo Finance, StockTwits, and Bloomberg are top apps for stock alerts.

How do I begin investing in stocks?

Decide how you want to invest in the stock market, Learn the difference between investing in stocks and funds, Set a budget for your stock investment, Focus on the long-term, and Manage your stock portfolio.

November 26, 2021
ETrade Business Model | How does ETrade make money?
ETrade has established itself as one of the finest online brokers for trading options as a pioneer in the online brokerage sector. It was one of the first online brokers in the United States and it became the first online broker to provide commission-free trading on ETFs, stocks, and options trades in October 2019. This makes you wonder, how does ETrade make its money? And what is its business model?

A business model is a crucial component of every startup’s long-term success since it is what unlocks value. In some ways, creating a business model is more than just figuring out how to make money. With that in mind, let’s look at the ETrade e-trading platform’s business model.

About ETrade
Products and services offered by ETrade
What makes ETrade unique?
ETrade Business Model
How does ETrade make money?
FAQs

Options trading with ETrade

About ETrade

ETrade logo

ETrade, a financial services business located in New York, was formed in 1982 by William A. Porter and Bernard A. Newcomb. Over the years, the firm has grown to over 30 outlets across the United States, making it one of the industry’s pioneers.

ETrade/E*Trade is an electronic trading platform that allows novice and experienced traders to purchase and sell financial assets such as common stock, preferred stock, futures contracts, mutual funds, options, fixed-income investments, and exchange-traded funds.

Products and services offered by ETrade

Etrade earns money through various products and services, including a day trading platform for retail customers. Let’s take a brief look at the services that the firm provides.
- Brokerage: E-zero-commission Trade’s US stock trading platform for ordinary clients is known as a brokerage account. They enable you to buy and sell equities, ETFs, mutual funds, potion, and bonds, among other things. At a low fee, you may also trade futures and options contracts, as well as bonds. Until their kid reaches the age of majority, a parent or guardian can handle a minor brokerage account.
- Services for Portfolio Management: The portfolio management service is given to both individual and institutional clients. Portfolios can be handled both automatically and manually. Depending on your circumstances, you may also obtain a personally customised portfolio from a financial counsellor.
- Bank account: Individuals, families, and companies may open a bank account with ETrade, which provides higher-interest savings and checking accounts. Free initial checks, online bill pay, and an ATM/debit card are all available. You may also use the free Transfer Money service, pay with your credit card online, and borrow against your investments.
- Retirement services: ETrade offers retirement (IRA) accounts for tax savings, minor’s savings that an adult may handle for the benefit of a child until they reach the age of majority, and persons commencing their savings at the age of 59.5 years old.
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What makes ETrade unique?

ETrade has a long history as an online broker, and its platforms are well-known for being straightforward to use. And even though it offers many services, including news, research, and screeners, ETrade is still simple to use.

ETrend features a user-friendly interface that allows you to personalise the platforms according to how you want to connect with them.

ETrade offers three web-based/downloadable platforms and two mobile apps, making it an excellent alternative for passive investors and casual traders. To help optimise the value of deposits earned in its brokerage operation, it also offers banking products through the ETrade Bank, an FDIC-registered federal savings bank.

It joins a growing number of online brokers that have switched to commission-free stock, ETF, and options trading in October 2019.

ETrade Business Model

ETrade employs a strategy that generates revenue from payment for order flow as well as interest income earned on the free float. To generate income on customer funds, ETrade invests them in money market accounts. Margin rates levied on purchasing or shorting stocks on the business’s platform also generate revenue for the company.

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How does ETrade make money?

ETrade charges no commissions, which begs the question: how does ETrade make money?

Margin

Clients at ETrade pay interest on money borrowed to buy stocks and on money borrowed to short stocks. For many broker-dealers, margin interest is a crucial source of revenue, and ETrade is no different. It has rates that are higher than the national average. Depending on the total amount borrowed overnight, they start at 8.95 per cent and go down.

Flow of Orders

ETrade makes the majority of its money through monetising its order flow. Customers’ buy and sell orders are sent to market makers for execution by ETrade. The company is compensated for the order flow in exchange.

When E-margin Trade’s customers borrow money to short or purchase stocks, ETrade receives interest. A transaction-fee mutual fund costs $19.99 to buy or sell at the business.

This is a standard business procedure; therefore, ETrade isn’t doing anything out of the ordinary here. ETrade sends orders to the groups to adjust for the order flow. This is also a frequent industry practice.

ETrade receives less than a cent per share on average for routing orders. That may not seem like a lot, but when you consider that there are about 300,000 trades each day, with several shares per order, it adds up.

Earnings from interest

ETrade advertises heavily on the need of filling your brokerage, bank, retirement, or PMS accounts with them since the more money you invest with them, the more interest you get. The business of ETrade is based on the interest produced by the float, which is invested by millions of customers. Offering free trading to retail investors is a fantastic way to improve their float because they are the least likely to trade actively.

Service charges

Portfolio management, retirement accounts, and other essential portfolio services are also profitable for ETrade. Fees and service charges are how they make money from these services.

The fees for portfolio management vary from $500 to $250,000, with a 0.30 per cent to 0.75 per cent cost.

ETrade charges $25 for premature withdrawals, excess contribution withdrawals, and re-characterisations in retirement accounts (changing from Roth IRA to Traditional IRA).

And, depending on the debit balance available at the time of the trade, margin trading costs range from 5.45 per cent to 8.95 per cent.

In the year 2019, ETrade generated $588 million in fees and service charges.

Commissions on mutual funds

ETrade charges $19.99 to buy or sell a transaction-fee mutual fund. It costs $49.99 to sell a no-load, no-transaction-fee fund fewer than 90 days after acquisition.

ETrade also profits from mutual fund trades through 12b-1 fees, sub-accounting fees, shareholder service costs, and marketing support payments.

Trading Commissions

Only ten to twenty per cent of the millions of traders are active. Active traders, on the other hand, trade often and in large amounts. And many of them trade futures and options, the most lucrative part of the stock market.

This 20% of active traders generate twenty times the money that they lose by providing free trading.

Fees for Futures, Options, and Bonds on ETrade

The larger the number of active traders operating in any of these categories, the higher the commissions because ETrade works with huge volumes rather than premium pricing.

This information makes you wonder if ETrade is losing money on these products. ETrade loses money on its free service. However, because over 80% of traders aren’t active in the markets, they don’t lose much money. ETrade lost $23 million in securities trading fees in 2019. The $23 million loss is well worth it for their business model, given the $421 million in trading commissions they receive from active traders.

FAQs

When was ETrade Financial Corporation founded?

ETrade Financial Corporation was founded in 1982.

Does ETrade charge commission?

ETrade does not charges commission for online US-listed stock, ETF, and options trades.

Which is the parent company of ETrade?

Morgan Stanley is the parent company of ETrade.

Who are the competitors of ETrade?

Some of the top competitors of ETrade are:
- HyperStock
- Firstrade
- SAG Investor
- Scottrade
- MProfit
- RetailGraph
- eSignal
October 29, 2021
How did Uber make a Billion Dollars from Zomato Listing? – Case Study

We are past the worst recession since the Indian independence in 1947, which was due to the COVID-19 onslaught. Though the dreadful pandemic hasn’t taken its exit yet from the country, the Indian market has started to boom with the listing of the shares from a bunch of companies, which certainly looks promising enough!

Zomato, India’s food delivery giant, has already launched its IPO on July 23, 2021, and that too with flying colors. Though the company exhibited a mammoth size of IPO at Rs 9,375 crores, the overall subscription of 38x was quite healthy. At the end of day 1, Zomato witnessed a 66% premium at Rs 125.85.

Zomato, with its successful IPO listing, has certainly been the talk of the town but one another company has parallelly been mentioned if not more. This is Uber, which seems to have largely benefitted with this listing of Zomato, and what is stranger is the fact that it hasn’t spent a single penny in the food aggregator business!

Uber’s Gain out of the Zomato IPO
How did Uber become the gainer in Zomato IPO?
Looking Back at the Uber Eats Deal of Zomato
Who else gained in Zomato IPO?
FAQ

Uber’s Gain out of the Zomato IPO

As soon as the Zomato listing closed for the day on July 23, 2021, people began talking about the sudden surge of the market value of Uber stakes. Yes, the market value of the stakes Uber has in Zomato, at the end of the day, was announced at Rs 9,000 crores ($1.2 billion). This baffled many, and even more so, when they heard that Uber didn’t spend a penny for such a fortune it made out of the Zomato IPO.

How did Uber become the gainer in Zomato IPO?

The recent gain of Uber may sound like the company has not spent anything to gain a considerable large sum and in reality, it is so. However, we need to recall that Uber has had its 9.19% shares in Zomato due to the latter’s acquisition of Uber Eats, which Zomato acquired back in 2020 at $206 million.

Along with making over a billion dollars in Zomato’s IPO, Uber also resigned from Uber Eats last year, which was on the verge of being a liability. Therefore, it was truly a win-win decision for Uber!

Looking Back at the Uber Eats Deal of Zomato

Launched in August 2014, Uber Eats started as a food delivery platform, which displayed menus from all the restaurants that were partnered with the app and helped the users order their favorite dishes, much like what we do in Zomato and Swiggy.

However, soon after the launch, Uber Eats started to pick up huge losses. The losses for the company started to pile up even more after the Covid-induced lockdown was announced. Furthermore, the losses of Uber Eats were tied to the overall losses that the cab aggregator was seeing, especially when more than half the world was observing lockdown.

During this time, the subsidiary of Uber had to resort to stringent measures like pay cuts and laying off employees. Uber Eats trimmed down its employee strength by 30% in hope that it would help the company get some gear, but when it failed, Uber thought of selling off its food delivery subsidiary.

It was on January 21, 2020, that the Indian division of Uber Eats was finally sold to none other than the food delivery giant, Zomato, in return for 9.99% stakes in Zomato, which was valued at around $180 million back then.

Who knew that this deal would be so profitable the next year itself?

According to Uber, the “fair value of the consideration” that it received for the Indian business of Uber Eats was $206 million, which included $35 million of “reimbursement of goods and services tax receivable from Zomato.”

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Who else gained in Zomato IPO?

Along with Zomato and Uber, the IPO was also a huge benefit for Info Edge, whose stocks saw a healthy rise in price and are currently worth Rs 15,000 crores. Deepinder Goyal, Zomato cofounder’s holdings, which were valued at 2,800 crores also witnessed a rise to Rs 5,500 crores.

Overall, it can be said that Zomato made a robust debut on the stock exchanges on Friday, July 23. The shares of the company started at ₹116 on the national stock exchange (NSE) and represented more than a 51% premium over the issue price of ₹76. Only 16 minutes past its listing, at 10.16 a.m., the market cap of Zomato breached ₹1 lakh crore. An amazing feat indeed!

Stocks of Zomato

Conclusion

Launched in 2008, Zomato was one of the startups that have truly emerged strong, standing as the biggest food delivery services in India, ahead of its arch-rivals, Swiggy, have amassed the strength of the years and is pacing towards a brighter future.

On such a successful first-day run of Zomato, the co-founder and CEO, Deepinder stated, “We are going to relentlessly focus on 10 years out and beyond, and are not going to alter our course for short-term profits at the cost of the long-term success of the company.”

FAQ

Is Uber Eats owned by Zomato?

Yes, Uber sold its India business of Uber Eats to Zomato for a 9.99% stake.

When did Zomato acquire Uber?

Zomato acquired Uber Eats on 21st January, 2020.

Why did Uber Eats left India?

Uber Eats decided to quit its operation in India, to cut its global losses as it was fallen behind to keep up with the competition.

July 24, 2021
Top 5 Best Stock Investment platform for Beginners

Stock Market investments are always considered to be very complicated and hence a lot of people stay away from it. Nowadays with the launch of new mobile applications stock market investing have been made much easier. Let’s look at some of the best platforms to help you in stock market investing.

Zerodha
Upstox
Groww
Smallcase
Moneycontrol
FAQ

Zerodha

Zerodha Kite is one of the best stock market investment apps in India. It has a rating of 9.85 in the trading app segment. Zerodha was the first discount stock broker of India. Currently, it is the number 1 stockbroker in the country. The app has a user-friendly platform and it does not have a lot of information or resources which are unnecessary.

All the investments using Zerodha are free of brokerage which means that if you buy a stock and don’t sell it on the same day then you will not have to pay any amount for the purchase of the stock. It is one of the best apps for a beginner stock market investor.

Zerodha Website

If you are an investor who wants to research on your own and then invest in individual stocks you can choose Zerodha as your stockbroker. Zerodha also has a mobile application which is Zerodha Varsity.

This application provides you with education on the basics of stock market investing and the different subjects related to it. You can access their mobile application for free of cost.

Upstox

Upstox is a leading discount broker in the country. It has a mobile application through which you can invest easily into stocks which is Upstox Pro. Upstox was formerly known as RKSV technologies. The company is backed by Ratan Tata.

upstox Website

The charges of Upstox are similar to that of Zerodha. It is also a discount broker and is second in the market share of the stock market brokers in India. You can also choose Upstox as your stockbroker if you want to research on your own and then invest in individual stocks

Currently, you can open a Demat and trading account with Upstox for free of cost with various other benefits.

Groww

Groww is a mobile application you can consider if you are a beginner in Stock Market Investing. The platform provides an interactive and simple user interface. The application offers various resources such as blogs and learning videos that are related to mutual funds to help you in stock market investing in case you are a beginner.

Groww Website

Through the Groww application, you can easily invest in Index funds, Mutual funds, and various other stocks at a zero-commission rate. The platform provides an easy-to-use interface where you can track all your investments, total returns, and annual returns under one dashboard. You can also create an account easily with a one-step KYC process.

You can even start investing in mutual funds or Index funds through a Systematic Investment Plan (SIP) at a very low price of INR 100. All your transactions through the platform will be secure as it uses 128-bit SSL encryption. The mobile application is available for both Android and IOS users.

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Smallcase

Smallcase is a mobile application that lets you invest in stock markets in a simple and easier way. If you are an individual who has no idea about stock market investing and has no time or interest to study about the stock market but wants to invest in it, then you can choose Smallcase for your stock market investments.

Smallcase will have a set of baskets from which you can choose. For example, if you believe that in the next few years the Electric Vehicle Industry is going to flourish then you can find a basket of stocks which are related to the Electric Vehicle industry in Smallcase. The basket can include EV car parts manufacturing companies, EV battery manufacturing companies, EV companies and so on.

smallcase Website

This makes it easier for any individual to invest into stock markets. Through Smallcase you can invest in the form of a SIP. You will have to link this application with your Demat account and all your stocks will be available in your Demat account according to your selected
basket.

You can also edit the stocks in your basket and customize them according to your requirements. The fee is charged on a one-time basis that is INR 100 + GST is charged for all Smallcases that are for one basket of stocks.

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Moneycontrol

Moneycontrol is one of the most famous stock research websites in India. The website provides all the information regarding charts, trends, news, commodities, futures, options, IPO’s and many more.

Their website is considered as a one-stop solution for tracking the share markets in India. You can get access to all the fundamental and technical data of a particular stock using this platform.

Their mobile application is available to Android, IOS, and Windows users as well. They have a pro version for their platform which costs INR 199 per month, INR 499 per year, and INR 1999 for 3 years.

FAQ

How do I start investing in the stock market?

To start investing in stock, Decide on how you want to invest in stocks, Know your goal for investment, Open an investing account i.e. demat and trading account, Set a budget for your stock investment, Learn about stock market basics.

What is the best stock to invest in for beginners?

The best stock to invest according to Nasdaq is Alibaba (BABA Stock Report), Alphabet (GOOGL Stock Report), Amazon (AMZN Stock Report), Apple (AAPL Stock Report), Disney (DIS Stock Report).

Who is the richest stock trader?

George Soros is considered as one of the richest active trader globally whose fortune is approximately 8.3 billion dollars.

Conclusion

You can use the above platforms for beginning your stock market investment journey. All the platform charges are reasonable compared to the other applications in the market. All the apps mentioned above can be used by a beginner-level stock market investor.

April 5, 2021
What are Stocks & Bonds and Which one is Right for You

Stocks and bonds should be a common term that everyone should know. But sadly, most of us don’t have adequate knowledge on what a stock or bond is. Here we can look at the meaning of stocks and bonds and even analyze which one is the best option for you as an individual.

What are Stocks
Benefits of Stocks
What are Bonds
Benefits of Bonds
Which one is Right for you
FAQ

What are Stocks

Stocks represents the ownership of a fraction of a corporation. Most of the time when a company requires extra capital, they list their company’s stocks on the stock market. In simple terms, they sell a part of the share of their company to the general public and in return, they would receive money.

When you buy a share of the company you become an owner of the company. The person who buys the shares of the company will be called an investor and the company which lists their stocks will be a Public limited company.

The companies will have to show their business activities every year to the general public. It will be available to each and every individual even if you don’t hold a share in the company.

There are two groups of people in the stock market. One group are investors who buy the shares of companies and hold them for years expecting the share prices to rise. The second group is traders – they buy and sell different shares of different companies in a short period of time mostly in a single day.

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Benefits of Stocks

Stocks are considered to be risky. But if invested wisely you would get unimaginable returns from it. Stocks are also called as equities. People consider stocks as one of the investment options. Stocks have proven to beat the inflation rates over the years and is a form of security that shows that you hold a piece of ownership in the company.

Certain companies even provide dividends to their stockholders. Dividends are part of the profits the company earns during the year. So, in addition to the increasing of the value of stocks, you would even receive a part of the company’s profits with it.

Bombay Stock Exchange

What are Bonds

Bonds are also a financial instrument. In simple terms, if the company or the government requires money, they issue bond certificates. Sometimes government would require some funds to develop a new road or come up with new infrastructure in the city or companies. The government would want to open new branches at that time so they would opt to raise funds through the issue of bonds.

When you buy a bond certificate you are lending money to the government or the companies. They will have to pay back the money they owe you plus the interest.

There are different types of bonds and there are agencies that rate the bond. The bond certificates with the highest rating will be the safest bond and vice versa.

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Benefits of Bonds

Bonds are less risky than shares. They provide higher returns compared to bank deposits. There are certain bonds that are tax-free or even charged less tax compared to other instruments. Bondholders will have more preference than shareholders in a company.

If the company is closing down, the bond holders will be paid first and then the shareholders will be paid. However, while buying a bond one should wisely choose it according to the credit ratings given to the bonds and a proper check about the company issuing the bonds.

Which one is Right for you

Stocks and bonds have their own advantages and disadvantages. Stocks are considered to be riskier than bonds. Whereas stocks can provide really high returns than bonds. If you are ready to take high risks you can invest in stocks but if you want comparatively lower risk then you can go for investing in bonds.

However, one cannot blindly invest in either stocks or bonds. Before you invest in stocks you will have to learn the basics of the stock market, fundamental and technical analysis. You should always do your own research before investing in stocks and never invest based on anyone else’s advice.

Even investing in bonds requires prior research. You will have to check the ratings and then invest in bonds. Certain investors invest in bonds and stock markets together to manage their risk. They will invest in proper ratios so that they will be able to get an average return from both instruments.

Choosing to invest in stocks or bonds can be according to your risk appetite.

FAQ

What are the 4 types of stocks?

Growth stocks, Yield stocks, IPOs, and Defensive stocks are the 4 types of Stocks.

What is the safest investment?

Certificates of deposit (CDs), money market accounts, municipal bonds and Treasury Inflation-Protected Securities (TIPS) are among the safest types of investments.

What stocks lost the most in 2020?

Occidental Petroleum Corp, (OXY) Coty (COTY), Marathon Oil Corp, (MRO) TechnipFMC (FTI), Carnival Corp. (CCL) stocks lost the most in 2020.

Conclusion

If you do not have the time to do the research of a company there are companies that invest on behalf of you. There will be fund managers who would invest your money on behalf of you and provide you with the returns. Those are called Mutual fund companies. Now there are apps like Groww, smallcase, Etc., which help you in investing in bonds and stocks.

March 17, 2021
Best Stocks You Should Invest In 2021
Money makes the world go round, quite literally. Interesting 21st century shift of focus, isn’t it? We will dwell on that phenomenon under a relevant topic, for now we will look at just the right investment opportunities that the wise are most likely to target in the year 2021. Something that should make your & my bank accounts recover fast as our nation has, from the Wuhan virus.

IMF (International Monetary Fund) has projected a GDP growth rate of 11.5% for India, highest among all major economies including China’s – this is the kind of positive announcement we needed to set foot in the year 2021. And it showed its magic already. Stock markets jumped in excitement after Budget 2021, doubling the cheer for investors. Not forgetting that markets are highly speculative and volatile and do not always truly behave as per the economic realities on the ground, hence risky. But at the same time equally rewarding if you observe the patterns carefully over time.

So if you think it’s time to gear up and make some far-reaching changes in your stock portfolio – in order to either revamp your share market investment that was hit by the turbulent 2020, or to readjust/diversify it to continue getting stable returns or simply to reap the gains of the rising share market – here are some of the best stocks to place your bets on in 2021.

1. Infosys

Industry: IT – Software

Market Cap (INR. cr): 550,100.64

Stock exchanges: BSE (500209), NSE (INFY)

Share price history:

Last 6 month high

1392.70

Jan 2021

Last 6 month low

912.60

Sep 2020

Last 52 week low

511.10

Mar 2020

Current share price (BSE)

1,291.35

Feb 19, 2021 (closing)

According to key brokerages, buying stocks in Infosys is worth it. IT major in the top spot shouldn’t be a surprise, especially in the post COVID economic environment. Businesses are increasingly relying on digitisation, making information technology most sought after domain. Healthy deal pipeline, cost efficiency & account expansion are some of the other factors going in this stock’s favour, experts speculate.

2. Bharti Airtel

Bharti Airtel

Industry: Telecommunications – service

Market Cap (INR. cr): 316,940.60

Stock exchanges: BSE (532454), NSE (BHARTIARTL)

Share price history:

Last 6 month high

610

Jan 2021

Last 6 month low

394.05

Sep 2020

Last 52 week low

381.05

Mar 2020

Current share price (BSE)

580.95

Feb 19, 2021 (closing)

Telecommunications powers IT & vice versa. Both are interdependent. With internet penetration growing rapidly, and India’s rural population largely having access to internet though Smartphone, (up to 50% of population has gotten access by 2020), this sector is booming for sure. So Airtel overtaking Jio in adding new monthly subscribers in 2020 isn’t a shocker. Moreover, social distancing has made mobiles & broadband into a necessity for businesses & individuals across. Hence, foremost brokerages give thumbs up to this stock as well.

3. SBI

SBI

Industry: Banking, Finance

Market Cap (INR. cr): 356,404.36

Stock exchanges: BSE (500112), NSE (SBIN)

Share price history:

Last 6 month high

310.80

Jan 2021

Last 6 month low

175.55

Sep 2020

Last 52 week low

149.55

May 2020

Current share price (BSE)

399.35

Feb 19, 2021 (closing)

SBI is the largest public sector bank & one of the biggest corporations of 2020 according to Fortune Global 500. It is also one of the best performing stocks of recession year 2020. Consistently falling NPAs must be the reason for investors’ growing confidence in this bank with over 22,000 branches. Top brokerages too favour investing in this stock.

4. Bajaj Finance

Bajaj Finance

Industry: Financial Services (NBFC)

Market Cap (INR. cr): 331,365.79

Stock exchanges: BSE (500034), NSE (BAJFINANCE)

Share price history:

Last 6 month high

5372.75

Dec 2021

Last 6 month low

3008.85

Sep 2020

Last 52 week low

1783.10

May 2020

Current share price (BSE)

5499.05

Feb 19, 2021 (closing)

This is another stock that brokerages approve for inclusion into your long term investment portfolio. Short term lending is the companies’ forte. A subsidiary of Bajaj Finserv Ltd. and part of the Bajaj group of companies – Asset management, wealth management & insurance are its other core financial services. What is contributing to this sector’s growth? Low interest rates, foreign fund inflows further lowering cost of money thereby liquidity and of course consumer behaviour i.e. tendency to spend more than save.

5. HDFC Bank

HDFC Bank

Industry: Banking & Financial Services

Market Cap (INR. cr): 847,754.65

Stock exchanges: BSE (500180), NSE (HDFCBANK)

Share price history:

Last 6 month high

1511

Jan 2021

Last 6 month low

994

Aug 2020

Last 52 week low

738.90

Mar 2020

Current share price (BSE)

1544.50

Feb 19, 2021 (closing)

Started as Housing Banking Development Corporation, the largest provider of housing loans, HDFC Corporation diversified into retail banking in 1994. The largest private sector bank by assets and largest by market cap, HDFC Bank gets an almost unanimous ‘buy’ recommendation from brokerages. After the market crash of March-May 2020 across all sectors, this one has shown an almost steady upward momentum. The health of this bank is also reflective in its investment of INR 1,000 crores for reconstruction of Yes bank in order to prevent its collapse in Mar 2020 due to excessive bad loans.

This is not an exhaustive list or a blanket recommendation for all investors given the varying degrees of risk & reward taking potential. Plus, each investor has a set of expectations unique to his needs/goals. Therefore these are just a few shares (out of several), keeping one common goal out of many in mind, among multitude of investors – low risk with a good return over a long term (typically 3 years or more).

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How to Decide Where to Invest

Wondering what are the parameters you should consider while zeroing in on a stock? A few factors you must consider before you make your investment are:

Market Capitalisation: It is simply the market value of the publicly listed company i.e. the number of outstanding shares multiplied by the current price per share. Hence it is a variable & keeps changing. Look out for the trend over a period of time to derive meaning. It represents size of the company (large cap/mid cap/small cap); a high market cap (relative to the industry of the company & its peers) further indicating a more stable growth, hence low risk perception.

Sector/Industry Assessment: To look for the growth prospects of the sector you plan to invest in has crucial value. Say you want to buy stocks of a company operating in the software industry. Currently IT is a booming sector; software products & services are in huge demand due to digital drive by govt as well as global shift in consumer behavior showing inclination towards technologies like cloud, AI, robotics, 5G etc. Similarly healthcare/pharmaceutical & e-commerce are seeing an unprecedented growth due to obvious & significant post pandemic socio-economic changes. Other promising sectors would be power, infra, chemicals et al. It all comes down to which sector attracts you.

Financial health of a company: Revenue, operating/net profit or loss, EPS, P/E ratios etc. are some of the basic pointers of the performance of a company. Analyse & compare these over a couple of quarters or years depending upon your short/long term investment goals.

Economically, 2021 clearly is a risky terrain, just showing some green patches but with whole lot of uncertainty about the future path. So ‘caution’ is the word for 2021. Growth looks certain, in all sectors of the economy but the direction & extent will vary depending on how long & successful the vaccination drive turns out to be and that is what will eventually decide the sum total of returns you pocket.

What Is Unique About Investing in Stock Market

Very simplistically put, just like how you plan your diet according to your taste, you must plan your stock portfolio to best suit your financial needs and interests. Pack your investment portfolio with choice of healthy, interesting & may be a few experimental options as well. And then start to watch & study the trend of your stock performance or ROI (return on investment) over time, because this is primary in becoming a successful investor & ensuring a robust financial health.

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Conclusion

P.S: Again, these are only a few stocks with large market cap that brokerages & market analysts have favored buying or holding for a rather careful investor looking to safely park his money (away from gold or real estate) for a long term. There are many more, in many other industries with mid & small market cap that could give you rich returns if you do basic research & then keenly watch their trend. Timing is as important as the budget & the shares you pick. So here’s wishing a happiness ‘index’ for your shares too!

Frequently Asked Questions – FAQs for Share Market

How do you double your money?

Most of us us think its a wild goose chase, but did you know according to ‘rule of 72’ you could calculate the time it’d take to double your money? The time it’d take to double your money = 72/rate of return

Example: At 10% return money will double in 72/10 i.e. 7.2 yrs; Similarly at 8% return money would double in 72/8 i.e. 9 years.

Do I need a large sum of money to invest in stocks?

Absolutely not! You can start investing with a small amount of a couple of thousands to begin with. And that is usually recommended for beginners.

Which are the best stocks to buy in India?

Some of the best stocks to invest in India are:
- Bharti Airtel
- HDFC Bank
- SBI
- Infosys
- Bajaj Finance
- Hindustan Unilever
- Kotak Mahindra Bank
- Asian Paints
February 23, 2021
Trading Business Ideas That You Need To Know

Trade business ideas are essential financial ideas. It includes the purchasing and selling of product and services. There are monetary transactions being done in exchange for the product and services. Exchange can occur inside an economy between the producers as well as the consumers.

Trading business organizations are the companies that deal with this purchasing and selling of products and services. They don’t make products by themselves. Instead, they get it from different producers or distributors and offer it to end client or retailers. Trade organisations work in a way where they can keep up their own stock in a shop or distribution center. Otherwise, they can also request things dependent on client request.

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There are these few trade business ideas, that you can think about.

Garments Trading

Let’s start with something which is very familiar to all. Setting up a garment trade business ideas is one among them all. You can think of opening up your own store or even make an online website.

You need to display your products in front of your customers. A wide variety of the products you will be selling needs to be available in your physical as well as an online store. A garment trading business is essentially a very rare one.

Trade Business Ideas- Garment Trade

Another creative option is starting selling from a boutique or any particular brand. In this way, you can get brand loyalty from the customer also. This ensures good quality products. If anything goes wrong, it is the responsibility of the brand to look after it. You might only need to do the basic exchange or return purpose.

Hardware Trading

The technology can be found anywhere. Almost every house-hold possess either a laptop or a desktop. At least a smartphone can be found. Selling the parts of the software can be one of the trade business ideas you can opt.

As the option suggests, it would be better if you provide both the physical and offline store. This will help you reach customers who are far away. However, you would need to market yourself in case you want to have good growth in your venture.

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FMCG Trading

FMCG basically stands for Fast Moving Consumer Goods. This includes all the daily needs that a normal household need. These include packaged foods, toiletries, cosmetics, beverages, prepared meals etc.

The advantage of choosing FMCG is that it gives you a wide range of products to choose from. Your store will attract regular visitors on a large scale. Since people from your locality might miss something or the other in their daily lives. At least once a week, you would need to visit the store for your basic items. This will increase the volume of your sale as well.

Book-store Trading

There might be a controversy going around regarding ‘Internet shall replace books someday’. It is somewhat a true possibility. But the Indian book market is expected to make a steep rise in the sale, making it around 739 billion by the end of 2020. This data has been collected from a relevant survey.

Trade business ideas 2020- Book-Store

So, you can indeed open up your book store, if you choose this one from all the trade business ideas that are available. The students require books all year-round. So you cant count them as your daily customers. You can attract book lovers as well. This could be a bonus for your trade business ideas on the book store. It is because book lovers will come searching for almost every new book that has been published recently.

You need to have a good connection with all the publishing house that producing the best sellers. Keep in touch with a few international publishers as well. In this way, you can keep your store versatile and open to your customers.

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Gift-store Trading

Gifting for an occasion or to say sorry to your friend or girlfriend. Gift Shop can be the one-stop trade business ideas that can solve this issue. A gift-store is supposed to keep unique and creative items that can attract more customers.

You need to be innovative enough while displaying your products. This makes people think that you can think out of the box. You can certainly opt for the customization option, which will add more to your reputation.

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Automobile Accessories Trading

If you have interest and knowledge on the usage of automobiles then this is one of the best trade business ideas for you. You need to open up a store where you can keep all the products such as auto spare parts, engine parts and mounts, tyres and tubes, gears and gear parts and so on.

Trade Business Ideas – Automobile Accessories Trade Business

If you look into the research, it says that the automobile industry has a steep rise in recent years. This is because more people are investing in buying vehicles and their parts. In the near future, there is no negative growth that can be found. So, you can think of a choice to make.

Stock Market Trading

A simple and evergreen option of all the trade business ideas is stock market trading. If you are willing, you can do it remotely. It requires a smart mind and a fast software/application. The software/application will enable you to keep a proper track of the recent movement in the market.

Ideas you can opt for

However, this invites a lot of risks. You need to be well aware and have to be very cautious about where you will be investing. With the right strategy, your luck also plays an inevitable role, of course, if you do believe in the existence of luck.

Home Accessories Trading

The homemaking business is growing at each step. If you want to be a part of it, you can invest your time, labor and money without any hesitation. The rising number of houses and flats is making it one of the best trade business ideas.

Trade Business Ideas – Home Appliances

People will come flocking for the home accessories to decorate their households. You have options to choose from such as furniture, kitchen appliances, toilet appliances, home decor and the list goes on. These will help you to choose from a number of products you would like to sell to your customers.

With these trade business ideas, you can start your career now. You have to fulfill the basic requirements and know a few things that are required to initiate your business. So, you can choose from all the above niche. With the right strategy, your business can surely take off with flying colors.

October 15, 2020