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<title>Top Mid-Cap Mutual Funds for SIP: Highest Returns and Growth Potential</title>
<link>https://sfctoday.com/top-mid-cap-mutual-funds-for-sip-highest-returns-and-growth-potential/</link>
<comments>https://sfctoday.com/top-mid-cap-mutual-funds-for-sip-highest-returns-and-growth-potential/#respond</comments>
<dc:creator><![CDATA[Pardeep Sharma]]></dc:creator>
<pubDate>Fri, 27 Jun 2025 07:21:59 +0000</pubDate>
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<category><![CDATA[SIP]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20965</guid>
<description><![CDATA[For those aiming for growth, mid-cap SIPs remain one of the best investment choices in the current market scenario Mid-cap mutual funds have become a popular choice among investors who want a balance between high returns and moderate risk. These funds invest in companies that are neither too big nor too small—called mid-cap companies. These [...]
The post <a href="https://sfctoday.com/top-mid-cap-mutual-funds-for-sip-highest-returns-and-growth-potential/">Top Mid-Cap Mutual Funds for SIP: Highest Returns and Growth Potential</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>For those aiming for growth, mid-cap SIPs remain one of the best investment choices in the current market scenario</h2>
<a href="https://sfctoday.com/best-mid-cap-mutual-funds-in-april-2025-for-smart-investment/">Mid-cap mutual funds</a> have become a popular choice among investors who want a balance between high returns and moderate risk. These funds invest in companies that are neither too big nor too small—called mid-cap companies. These businesses usually have good growth potential because they are in the expansion stage.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
A Systematic Investment Plan (SIP) allows regular investments, like ₹1,000 or ₹5,000 every month. SIPs in mid-cap funds can help build wealth over time through the power of compounding and market growth.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Let’s explore the top-performing mid-cap funds in 2025 that offer the highest returns and have strong long-term growth potential.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>What Are Mid-Cap Mutual Funds?<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Mid-cap funds invest in companies ranked between 101 and 250 based on market value. These companies are generally well-established but still growing, making them more stable than small-caps and more aggressive than large-caps.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Mid-cap funds are suitable for those with a medium-to-high risk appetite and a long-term investment horizon of 5 years or more. They can be volatile in the short term, but their growth potential is strong over time.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Top Performing Mid-Cap Mutual Funds (2025)<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
<h4 aria-level="3">1. Motilal Oswal Midcap Fund </h4>
This fund has shown excellent performance in recent years. It has delivered returns of over 35% per year in both 3-year and 5-year SIPs. It is one of the very few funds that have maintained such a high level of consistency.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund focuses on high-quality mid-sized companies with strong earnings potential. It has a concentrated portfolio and often invests in companies with strong leadership and competitive advantages.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="3">2. HDFC Mid-Cap Opportunities Fund </h4>
This is one of the oldest and most trusted mid-cap funds. It has provided an average annual return of around 33% over 3 to 5 years. It manages a large asset base and has a diversified portfolio.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund invests across sectors and tends to hold stocks for longer durations. This long-term strategy has helped it perform well across different market conditions.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="3">3. Nippon India Growth Fund </h4>
This fund has shown returns of approximately 32–34% per year in recent times. It has a well-diversified portfolio that includes mid-cap leaders from sectors like chemicals, auto, infrastructure, and healthcare.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund’s performance has remained strong over the years, and its active stock selection approach has helped generate solid returns for SIP investors.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="3">4. Invesco India Mid Cap Fund </h4>
Known for its consistent growth, this fund has delivered annual returns between 32% and 35%. Its portfolio includes companies with robust earnings, rising market share, and sector leadership.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
It focuses on companies with scalable business models and solid balance sheets. Its disciplined strategy has helped the fund perform steadily over different time periods.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="3">5. Edelweiss Mid Cap Fund </h4>
This fund has also done well recently, delivering returns of around 34–35% per year. It gained attention in April 2025 for outperforming the benchmark index.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund benefits from its dynamic stock-picking approach, and its recent outperformance suggests it is managed with strong research and active portfolio decisions.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Long-Term SIP Performance Example<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
To understand the power of <a href="https://sfctoday.com/sip-vs-fd-in-2025-where-should-you-invest-for-maximum-returns/">SIP</a> in a mid-cap fund, consider this:[Text Wrapping Break]A monthly SIP of ₹10,000 invested for 20 years in a well-performing large and mid-cap fund could grow to over ₹2 crore at an annual return of around 18%.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Now imagine the potential with mid-cap funds that offer 30–35% annual returns over shorter periods. Although these high returns may not be guaranteed long-term, they show how powerful compounding can be with strong funds.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Key Things That Make These Funds Stand Out<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
High Returns: All the top funds mentioned above have consistently delivered 30% or more returns per year in the last few years.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Strong Fund Management: These funds are managed by experienced professionals who follow a disciplined investment strategy.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Diversified Portfolio: Most funds invest across multiple sectors, reducing the impact of risk from any one industry.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Consistent Track Record: These funds have performed well not just in one year but over several years.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Should Mid-Cap Funds Be Chosen for SIP?<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Mid-cap funds are good for SIPs if the investor:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Has a long-term horizon of 5 years or more<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Can accept short-term market ups and downs<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Wants to benefit from the growth of emerging companies<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Believes in systematic investing rather than timing the market<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Mid-cap funds are not ideal for very conservative investors or for those who may need their money in the short term.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Risk Factors in Mid-Cap Funds<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
While mid-cap funds offer high growth potential, they also carry certain risks:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Market Volatility: Mid-cap stocks are more sensitive to market movements than large-caps.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Liquidity Issues: These <a href="https://sfctoday.com/category/stocks/">stocks</a> may not be easy to sell quickly in bad market conditions.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Overvaluation Risk: After strong rallies, some mid-cap stocks may become overvalued, leading to corrections.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
To manage these risks, SIPs help in investing slowly over time instead of putting a lump sum during market highs.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Factors to Consider Before Choosing a Mid-Cap Fund<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
When selecting a mid-cap fund for SIP, consider:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
3- and 5-year returns to check consistent performance<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Expense ratio to ensure low fees<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Assets under management (AUM) to understand fund size<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Portfolio diversification to avoid overexposure to one sector<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Fund manager’s track record for experience and stability<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Choosing 2 or 3 well-rated mid-cap funds can spread the risk and increase the chances of success.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Current Market Sentiment on Mid-Caps<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
In 2025, the Indian market has seen a strong rally, and mid-cap stocks have played a big role in this growth. Despite high valuations, fund managers remain positive on many mid-cap companies due to:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Strong earnings growth<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Better balance sheets<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Increasing investor interest in equity markets<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Domestic demand and government reforms<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
However, experts also suggest being cautious, especially when markets are near record highs.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Mid-cap mutual funds are powerful tools for long-term wealth creation, especially when used through SIPs. Funds like Motilal Oswal Midcap, HDFC Mid-Cap Opportunities, Nippon India Growth, Invesco India Mid Cap, and Edelweiss Mid Cap have proven to be top performers in 2025.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
They offer a strong mix of high returns, consistency, and smart management. While they carry some risk, the rewards can be significant for disciplined investors with long-term goals. Regular SIP investments in these funds can help build a sizable portfolio over time and achieve financial milestones.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The post <a href="https://sfctoday.com/top-mid-cap-mutual-funds-for-sip-highest-returns-and-growth-potential/">Top Mid-Cap Mutual Funds for SIP: Highest Returns and Growth Potential</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>NSE’s Future Plans: Will the Stock Exchange’s IPO Push Through</title>
<link>https://sfctoday.com/nses-future-plans-will-the-stock-exchanges-ipo-push-through/</link>
<comments>https://sfctoday.com/nses-future-plans-will-the-stock-exchanges-ipo-push-through/#respond</comments>
<dc:creator><![CDATA[Pardeep Sharma]]></dc:creator>
<pubDate>Thu, 26 Jun 2025 12:11:13 +0000</pubDate>
<category><![CDATA[Investments]]></category>
<category><![CDATA[Stocks]]></category>
<category><![CDATA[IPO]]></category>
<category><![CDATA[National Stock Exchange of India]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20932</guid>
<description><![CDATA[The exchange has offered to settle the matter by paying a record settlement amount of around ₹1,300 to ₹1,400 crore The National Stock Exchange of India (NSE) is preparing for a major event in its history: its long-awaited Initial Public Offering (IPO). As India’s largest stock exchange and the world’s top derivatives exchange by volume, [...]
The post <a href="https://sfctoday.com/nses-future-plans-will-the-stock-exchanges-ipo-push-through/">NSE’s Future Plans: Will the Stock Exchange’s IPO Push Through</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>The exchange has offered to settle the matter by paying a record settlement amount of around ₹1,300 to ₹1,400 crore</h2>
The National Stock Exchange of India (NSE) is preparing for a major event in its history: its long-awaited <a href="https://sfctoday.com/category/ipo/">Initial Public Offering (IPO)</a>. As India’s largest stock exchange and the world’s top derivatives exchange by volume, NSE’s IPO has been the subject of attention for many years. However, various regulatory issues and legal troubles delayed this move. Now, with fresh developments and positive signals from market regulators, NSE seems to be inching closer to making its IPO a reality.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>NSE’s journey so far<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
NSE’s plans for an IPO started nearly a decade ago. The exchange filed its draft papers with the market regulator in 2016. However, allegations of unfair trading practices using co-location services (where certain brokers allegedly got faster access to trading systems) put the IPO plans on hold. This co-location case became a major hurdle, leading to investigations, penalties, and legal cases.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
In 2025, NSE has made serious efforts to close this chapter. The exchange has offered to settle the matter by paying a record settlement amount of around ₹1,300 to ₹1,400 crore. This would be the highest settlement made with India’s market regulator, SEBI (Securities and Exchange Board of India). NSE’s aim is to resolve these issues once and for all so it can finally move ahead with its IPO plans.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Signals from SEBI<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
SEBI, the market watchdog, has stated publicly that there are no further obstacles in NSE’s path to listing. The chairman of <a href="https://www.sebi.gov.in/" target="_blank" rel="nofollow">SEBI</a>, Tuhin Kanta Pandey, has confirmed that all major regulatory requirements have been addressed. This is an important statement because it reflects the regulator’s readiness to give NSE the green light, once the settlement is completed.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Reports suggest that SEBI is expected to issue a no-objection certificate to NSE within a few months, probably by July 2025. Once NSE gets this certificate, it will be able to file fresh documents for its IPO and start the process of listing its shares.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Financial strength and market value<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
NSE’s financial performance has been strong, which makes its IPO even more attractive to investors. In the financial year 2024-25, NSE’s net profit grew by nearly 47% compared to the previous year, reaching over ₹12,000 crore. Its revenues also grew by around 17%, crossing ₹19,000 crore.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The exchange’s success has driven up the price of its shares in the unlisted (grey) market. In recent months, NSE’s share price in this unofficial market has risen by about 60%, touching around ₹2,400 per share. Analysts estimate that NSE’s total value could be close to $58 billion when it lists, placing it in the same league as some of the world’s largest stock exchanges like Nasdaq and Deutsche Börse.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>What will the IPO mean for NSE and the market?<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
NSE’s IPO is expected to be one of the biggest in the history of India’s financial sector. It will not only allow NSE to raise funds for future growth but also provide an exit opportunity for some of its existing shareholders. Big names like the Life Insurance Corporation of India, State Bank of India, Morgan Stanley, and the Canada Pension Plan Investment Board hold stakes in NSE. The listing would help them unlock the value of their investments.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
India has been a bright spot for IPO activity in Asia, even surpassing China in 2024. NSE’s IPO would further boost India’s image as a strong capital market destination. It could also increase transparency and improve governance standards at NSE as a listed company would be subject to greater public and regulatory scrutiny.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>NSE’s future plans<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Beyond the IPO, NSE has several plans to grow and improve its infrastructure. The exchange is working on upgrading its co-location facilities to meet the growing demand from high-frequency trading firms. It plans to add around 2,000 new racks at its co-location data centers to improve speed and reduce trading delays.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
NSE is also focusing on helping smaller companies and startups access the <a href="https://sfctoday.com/category/stocks/">stock market</a>. Its SME platform, NSE EMERGE, has seen more than 550 companies get listed so far, raising over ₹14,000 crore. NSE has also updated the bidding rules for SME IPOs, with new rules coming into effect from July 2025, making it easier for small businesses to raise funds.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Steps remaining before IPO<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Although things look positive, a few key steps are still pending. First, SEBI needs to officially approve the settlement of the co-location case. Once this is done, NSE will receive the no-objection certificate. After this, NSE will need to approach the Supreme Court to close any ongoing cases related to these matters.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Once these legal and regulatory tasks are completed, NSE can file fresh documents (known as the draft red herring prospectus) for its IPO. Market experts expect that if all goes smoothly, NSE’s shares could be listed by the end of the financial year 2025-26, which means before March 2026.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Risks and challenges<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Despite the progress, there are still some risks that could delay or affect NSE’s IPO. Legal approvals and settlements might take longer than expected. Market conditions also play a role — if there is volatility or uncertainty in global or Indian stock markets, NSE might choose to delay its IPO to get the best price for its shares.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Another challenge is the high valuation. While NSE’s financial performance supports a premium valuation, investors will closely watch whether the company can maintain this performance in the years ahead. Any slip in profits or growth could put pressure on its share price once listed.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
NSE’s IPO is shaping up to be a landmark event for India’s financial markets. With regulatory hurdles almost cleared and strong financial results, the stock exchange is in a good position to move forward. If the remaining legal and regulatory steps are completed on time, NSE’s shares could be trading on the market within the next few months. This would not only mark a major achievement for NSE but also strengthen India’s position in the global financial landscape.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The post <a href="https://sfctoday.com/nses-future-plans-will-the-stock-exchanges-ipo-push-through/">NSE’s Future Plans: Will the Stock Exchange’s IPO Push Through</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>Best Flexi-Cap Mutual Funds to Invest in 2025 </title>
<link>https://sfctoday.com/best-flexi-cap-mutual-funds-to-invest-in-2025/</link>
<comments>https://sfctoday.com/best-flexi-cap-mutual-funds-to-invest-in-2025/#respond</comments>
<dc:creator><![CDATA[Pardeep Sharma]]></dc:creator>
<pubDate>Wed, 25 Jun 2025 13:35:42 +0000</pubDate>
<category><![CDATA[Investments]]></category>
<category><![CDATA[Stocks]]></category>
<category><![CDATA[Mutual Funds]]></category>
<category><![CDATA[small-cap stocks]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20928</guid>
<description><![CDATA[In the first half of 2025, flexi-cap funds attracted investments of about ₹15,000 crore Flexi-cap mutual funds have become very popular in 2025 as they offer the flexibility to invest across large-cap, mid-cap, and small-cap stocks. This makes them suitable for different market conditions. As the Indian stock market has seen both ups and downs [...]
The post <a href="https://sfctoday.com/best-flexi-cap-mutual-funds-to-invest-in-2025/">Best Flexi-Cap Mutual Funds to Invest in 2025 </a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2> In the first half of 2025, flexi-cap funds attracted investments of about ₹15,000 crore</h2>
Flexi-cap mutual funds have become very popular in 2025 as they offer the flexibility to invest across large-cap, mid-cap, and small-cap stocks. This makes them suitable for different market conditions. As the Indian <a href="https://sfctoday.com/category/stocks/">stock market</a> has seen both ups and downs this year, many investors are looking at flexi-cap funds to balance risk and growth. These funds have shown strong inflows and are now among the top choices in equity mutual fund categories.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">Why Flexi-Cap Funds Are Popular in 2025 </h3>
In the first half of 2025, flexi-cap funds attracted investments of about ₹15,000 crore. This shows the growing trust of investors in this category. The total assets managed by flexi-cap funds have touched around ₹4.71 lakh crore, making it the second-largest category after large-cap funds. Many experts believe that flexi-cap funds are a smart choice because they give fund managers the freedom to shift between different market capitalisations depending on where the best opportunities are.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Flexi-cap funds have delivered strong returns over the years. On average, they have given about 13% annual returns over 3 years, around 16% over 5 years, and nearly 12% over 10 years. These numbers are better than many other equity fund categories.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">Top Flexi-Cap Funds to Consider in 2025 </h3>
<h4 aria-level="4">1. Parag Parikh Flexi Cap Fund </h4>
This fund has become the largest flexi-cap fund in India with assets of over ₹1 lakh crore. It is well-known for its consistent performance. Over the past 3 years, it has delivered a compound annual growth rate (CAGR) of about 24.5%. Its 5-year CAGR is about 25.3%. Since its launch in 2013, the fund has given annual returns of about 19%.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Recently, this fund has added stocks like <a href="https://sfctoday.com/corporate-earnings-season-key-takeaways-from-q4-results/">Bharti Airtel</a> and Nesco to its portfolio. This shows the fund manager’s strategy of picking strong value stocks that could benefit as the economy recovers.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">2. HDFC Flexi Cap Fund </h4>
HDFC Flexi Cap Fund is one of the oldest and most trusted flexi-cap funds in India. It manages assets of around ₹75,800 crore. The fund has shown impressive performance, with 3-year annualised returns of nearly 27.8% and 5-year returns of around 28.9%. Since its launch in 1995, it has given annualised returns of about 19%.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund is known for its ability to perform well in different market cycles. This makes it a preferred choice for many long-term investors.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">3. Edelweiss Flexi Cap Fund </h4>
This fund is appreciated for its disciplined investment style. It has delivered around 25% annual returns over the past 3 years and about 26.5% over 5 years. The fund has an expense ratio of about 0.79%, which is reasonable compared to other funds in the same category.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund manager focuses on selecting quality companies and holding them for the long term. This strategy has helped the fund create wealth for investors over the last decade.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">4. Motilal Oswal Flexi Cap Fund </h4>
Motilal Oswal Flexi Cap Fund manages around ₹13,000 crore and has become a top performer in recent years. It has given around 33.4% annualised returns over 3 years and about 28.9% over 5 years.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The fund follows a high-growth strategy, focusing on companies that have the potential to grow faster than the market. However, this can also lead to higher risk, so it is more suited for investors looking for growth and who can handle market ups and downs.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">5. UTI Flexi Cap Fund </h4>
UTI Flexi Cap Fund is a good choice for those who prefer a stable and long-established fund. It was launched in 2005 and has a steady track record. The fund has delivered about 15.3% annual returns over the past 3 years. Although its recent performance is moderate compared to others, it remains a reliable option for investors seeking stability with moderate risk.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">Summary of Top Funds and Their 3-Year Returns </h3>
<table data-tablestyle="MsoNormalTable" data-tablelook="1696" aria-rowcount="6">
<tbody>
<tr aria-rowindex="1">
<td data-celllook="69905">Fund Name<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":2,"335551620":2,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
<td data-celllook="69905">3-Year Annual Return<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":2,"335551620":2,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
</tr>
<tr aria-rowindex="2">
<td data-celllook="69905">Motilal Oswal Flexi Cap<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
<td data-celllook="69905">33.4%<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
</tr>
<tr aria-rowindex="3">
<td data-celllook="69905">HDFC Flexi Cap<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
<td data-celllook="69905">27.8%<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
</tr>
<tr aria-rowindex="4">
<td data-celllook="69905">Edelweiss Flexi Cap<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
<td data-celllook="69905">25.1%<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
</tr>
<tr aria-rowindex="5">
<td data-celllook="69905">Parag Parikh Flexi Cap<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
<td data-celllook="69905">24.5%<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
</tr>
<tr aria-rowindex="6">
<td data-celllook="69905">UTI Flexi Cap<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
<td data-celllook="69905">15.3%<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </td>
</tr>
</tbody>
</table>
Other good options include HSBC Flexi Cap, PGIM India Flexi Cap, SBI Flexi Cap, and Canara Robeco Flexi Cap. These funds have also shown strong 3 to 5-year returns.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">What Makes Flexi-Cap Funds Attractive Now </h3>
Dynamic Investment Approach: Fund managers can shift between large-cap, mid-cap, and small-cap stocks as per market conditions. This flexibility helps in capturing growth across sectors.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Good for Uncertain Markets: In 2025, markets have been unpredictable due to global economic concerns and domestic factors. Flexi-cap funds can adjust their investments and manage risks better.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Tax Benefits: Like other equity funds, flexi-cap funds enjoy tax advantages. Long-term capital gains up to ₹1 lakh are tax-free, making them tax-efficient.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
No Need to Choose Market Cap: Since the fund manager decides the mix of large, mid, and small-cap stocks, investors do not have to worry about selecting the right market cap category.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">What to Watch Out For </h3>
Volatility: Flexi-cap funds may have higher exposure to mid-cap and small-cap stocks, which can lead to greater ups and downs in the fund’s value.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Expense Ratio: Some funds may have higher expense ratios (between 0.6% to 1.3%), which could reduce net returns over time.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Performance Consistency: It is important to check the fund’s rolling returns and how consistently it has delivered compared to peers.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">Fund Manager Strategies for 2025 </h3>
Many <a href="https://sfctoday.com/top-5-mutual-funds-that-delivered-exceptional-returns-over-a-decade/">fund</a> managers are focusing on mid-cap private banks, consumer discretionary sectors, and selected value stocks. For example, some funds are increasing exposure to mid-cap private banks as they believe these banks have attractive growth potential with lower risks compared to smaller lenders.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Some funds are also adding value stocks from sectors like telecom, infrastructure, and manufacturing as these areas are expected to benefit from government spending and reforms.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Flexi-cap funds are a smart option for investors in 2025 because they combine flexibility, growth potential, and professional management. The top funds like Parag Parikh Flexi Cap, HDFC Flexi Cap, Edelweiss Flexi Cap, Motilal Oswal Flexi Cap, and UTI Flexi Cap offer a mix of stability and performance. However, it is important to match the fund choice with individual risk tolerance, return expectations, and investment horizon.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Careful review of fund performance, portfolio structure, and expense ratios will help in selecting the right flexi-cap fund for long-term wealth creation.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The post <a href="https://sfctoday.com/best-flexi-cap-mutual-funds-to-invest-in-2025/">Best Flexi-Cap Mutual Funds to Invest in 2025 </a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>Top 5 Banks with Highest FD Interest Rates in June 2025</title>
<link>https://sfctoday.com/top-5-banks-with-highest-fd-interest-rates-in-june-2025/</link>
<comments>https://sfctoday.com/top-5-banks-with-highest-fd-interest-rates-in-june-2025/#respond</comments>
<dc:creator><![CDATA[Pardeep Sharma]]></dc:creator>
<pubDate>Tue, 24 Jun 2025 06:39:44 +0000</pubDate>
<category><![CDATA[Banks]]></category>
<category><![CDATA[Investments]]></category>
<category><![CDATA[Fixed Deposits]]></category>
<category><![CDATA[HDFC]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20884</guid>
<description><![CDATA[Top small finance banks are offering up to 9.50% p.a. for senior citizens and 9.00% p.a. for regular investors Fixed deposits (FDs) continue to be one of the safest and most popular ways for people in India to save and grow their money. In June 2025, banks adjusted their FD rates due to recent changes [...]
The post <a href="https://sfctoday.com/top-5-banks-with-highest-fd-interest-rates-in-june-2025/">Top 5 Banks with Highest FD Interest Rates in June 2025</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>Top small finance banks are offering up to 9.50% p.a. for senior citizens and 9.00% p.a. for regular investors</h2>
Fixed deposits (FDs) continue to be one of the safest and most popular ways for people in India to save and grow their money. In June 2025, <a href="https://sfctoday.com/can-banks-usher-in-next-wave-of-bitcoin-adoption/">banks</a> adjusted their FD rates due to recent changes in the country’s economy and the Reserve Bank of India’s (RBI) decisions. Some banks are offering higher interest rates to attract depositors, especially small finance banks. This article looks at the top five banks offering the highest FD interest rates this month, along with key points depositors should keep in mind.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}">
<h3>1. Slice Small Finance Bank<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Slice Small Finance Bank is offering one of the highest interest rates on fixed deposits this June. The bank gives up to 9.00% per year for deposits kept for one year. Senior citizens, who are usually offered extra interest as a benefit, can earn up to 9.50% per year at this bank.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Those who want to invest for a longer period, such as three years, can earn 8.25% per year (or 8.75% per year for senior citizens). These rates are higher than most large public and private sector banks.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
It is important to know that small finance banks, including Slice, are covered by deposit insurance of up to ₹5 lakh. This means if the bank faces trouble, deposits up to ₹5 lakh are protected by law. Those investing larger amounts should be careful and may want to divide their money between different banks to stay within the insured limit.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>2. Unity Small Finance Bank<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Unity Small Finance Bank is another small finance bank offering high interest on fixed deposits. For a one-year FD, the interest rate is 8.60% per year for regular customers. Senior citizens get a better deal at 9.10% per year for the same tenure.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
For a three-year fixed deposit, Unity Small Finance Bank offers around 8.00% per year, and senior citizens can earn 8.50% per year. These attractive rates make Unity a strong option for people looking to lock in their savings at high interest for short or medium terms.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
As with other small finance banks, depositors should be aware of the ₹5 lakh insurance limit and consider spreading out their investments if putting in larger sums.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>3. Suryoday Small Finance Bank<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Suryoday Small Finance Bank also provides good rates in June 2025. This bank offers 8.40% per year on fixed deposits of one year and 8.40% per year for three-year deposits. Senior citizens get an extra benefit, earning 8.80% per year for a three-year FD.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Suryoday has made a name for itself by consistently offering high interest rates compared to bigger banks. However, like other small finance banks, it is important to stay within the insured limit for safety and peace of mind.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>4. YES Bank<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Among the bigger private sector banks, <a href="https://sfctoday.com/yes-bank-gets-boards-nod-for-%e2%82%b916000-crore-fund-raise-whats-next/">YES Bank</a> is offering competitive FD rates in June 2025. A person investing for 36 to 60 months (which means three to five years) can earn up to 7.10% per year. Senior citizens can get up to 7.85% per year on these deposits.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
YES Bank offers better rates than many other large private banks and provides the added trust of being a well-known name with a large network of branches across India. Those looking for a balance between safety and higher returns might consider YES Bank’s offerings.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>5. HDFC Bank<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
HDFC Bank, one of India’s most trusted private banks, revised its FD rates recently after the RBI cut the repo rate by 50 basis points. This means interest rates across banks have gone down a little, but HDFC still offers attractive options.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
For fixed deposits between 15 and 21 months, HDFC Bank gives 6.60% per year to regular customers and 7.10% per year to senior citizens. For deposits of three to five years, the rates are 6.40% per year for regular customers and 6.90% per year for senior citizens.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
HDFC Bank is known for its stable services, and though the rates are a little lower than small finance banks, many depositors prefer the safety and convenience of a large, established bank.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Other Notable Banks<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Punjab National Bank (PNB), a large government-owned bank, offers 6.70% per year for 390-day fixed deposits and 7.20% per year for senior citizens.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Union Bank of India provides 6.85% per year for mid-term FDs and 7.35% per year for senior citizens. This makes it one of the better public sector choices for fixed deposits.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Recent Changes in Interest Rates<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
In June 2025, the <a href="https://www.rbi.org.in/" target="_blank" rel="nofollow">Reserve Bank of India</a> reduced the repo rate by 50 basis points, bringing it down to 5.50%. This was the second rate cut in the year, as the RBI tries to support the economy and encourage borrowing. When the RBI cuts the repo rate, it usually leads to lower interest rates on fixed deposits, because banks’ cost of funds becomes cheaper.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Due to this, most large banks have reduced their FD rates slightly. For example, State Bank of India (SBI) now offers a maximum of 6.70% per year on fixed deposits, down from earlier levels.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>What Should Depositors Consider?<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Before investing in a fixed deposit, it is wise to keep a few things in mind:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Insurance limit: Remember that the deposit insurance covers only ₹5 lakh per bank. To stay safe, large sums can be divided among different banks.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Tenure matching needs: Short-term FDs are useful for money needed in the near future. Longer tenures can provide higher rates, but they also lock the money for more time.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Senior citizen benefits: Many banks offer 0.50% or more extra interest to senior citizens. It is important to check the exact rate before investing.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Rate trends: With the RBI cutting rates, FD rates could go lower in the future. Locking in higher rates now may help earn better returns.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Alternative options: Some people may also consider government schemes like the Senior Citizens Savings Scheme (SCSS) or certain debt mutual funds, which sometimes give better returns than fixed deposits.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Final Thoughts<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
In June 2025, small finance banks like Slice, Unity, and Suryoday are offering the highest interest rates on fixed deposits. Their rates are as high as 9.00% to 9.50% per year, especially for senior citizens. Among larger banks, YES Bank and HDFC Bank provide strong options, with rates between 6.60% and 7.85% per year, depending on the tenure and whether the depositor is a senior citizen.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Fixed deposits remain a good choice for those looking for safe and steady returns. However, it is important to balance high interest rates with safety, tenure, and insurance coverage while planning investments carefully.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The post <a href="https://sfctoday.com/top-5-banks-with-highest-fd-interest-rates-in-june-2025/">Top 5 Banks with Highest FD Interest Rates in June 2025</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>48% Loss for Early Investors: What’s Next for HDB Financial’s IPO</title>
<link>https://sfctoday.com/48-loss-for-early-investors-whats-next-for-hdb-financials-ipo/</link>
<comments>https://sfctoday.com/48-loss-for-early-investors-whats-next-for-hdb-financials-ipo/#respond</comments>
<dc:creator><![CDATA[Pardeep Sharma]]></dc:creator>
<pubDate>Mon, 23 Jun 2025 07:01:55 +0000</pubDate>
<category><![CDATA[finacial services]]></category>
<category><![CDATA[Investments]]></category>
<category><![CDATA[Initial Public Offering]]></category>
<category><![CDATA[IPO]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20859</guid>
<description><![CDATA[Discover the real story behind the numbers and what’s next for the stock The much-awaited initial public offering (IPO) of HDB Financial Services has made headlines, but not for the reasons early investors were hoping. Many of those who bought HDB Financial shares through private deals or the unlisted grey market are now staring at [...]
The post <a href="https://sfctoday.com/48-loss-for-early-investors-whats-next-for-hdb-financials-ipo/">48% Loss for Early Investors: What’s Next for HDB Financial’s IPO</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>Discover the real story behind the numbers and what’s next for the stock</h2>
The much-awaited <a href="https://sfctoday.com/category/ipo/">initial public offering (IPO)</a> of HDB Financial Services has made headlines, but not for the reasons early investors were hoping. Many of those who bought HDB Financial shares through private deals or the unlisted grey market are now staring at losses of up to 48% on paper. This is because the company’s IPO price band has been set between ₹700 and ₹740 per share. This is a big drop compared to the ₹1,200 to ₹1,350 range at which unlisted shares were trading before the IPO announcement.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">The Impact on Early Investors </h3>
Reports show that more than 49,000 individual shareholders hold unlisted shares of <a href="https://www.hdbfs.com/" target="_blank" rel="nofollow">HDB Financial</a> as of June 2025. A large number of these investors had bought shares at inflated prices in the unlisted market, encouraged by the buzz and rising demand. For example, anyone who had purchased shares at ₹1,250 each is now facing the reality of those shares being valued at only ₹740 at the upper end of the IPO price band. This translates into a loss of about 40% on their investment, with some investors seeing even higher notional losses depending on the price they paid.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
This gap between what private investors paid and the IPO price is a stark reminder of the risks involved in unregulated markets where prices are often driven by speculation rather than actual company performance or valuation.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">Why Is the IPO Priced Lower? </h3>
HDB Financial’s IPO pricing is not a random decision. It reflects the company’s actual financial position and compares it with other listed non-banking financial companies (NBFCs). At ₹740 per share, HDB Financial’s valuation matches those of well-established peers such as Bajaj Finance and Shriram Finance. The price-to-book ratio of HDB Financial at this price point is around 3.7 times, which is in line with the sector’s average.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The company and its bankers chose this pricing to ensure that the IPO is attractive to institutional investors and retail participants in the public market. It also helps avoid the risk of the stock falling sharply after listing, which could happen if the IPO was priced too high. In short, the aim was to offer a fair price based on fundamentals, rather than chase the inflated figures seen in the grey market.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">How HDFC Bank Benefits </h3>
HDB Financial’s parent, <a href="https://sfctoday.com/is-hdfc-bank-stock-still-a-buy-after-its-q2-performance/">HDFC Bank</a>, stands to gain significantly from this IPO. The IPO involves both a fresh issue of shares worth ₹2,500 crore and a sale of existing shares by HDFC Bank worth around ₹10,000 crore. HDFC Bank had originally acquired these shares at an average cost of about ₹46 each. Even at the ₹740 IPO price, HDFC Bank is set to make a large profit on its investment. This reflects the long-term value creation by HDB Financial under the HDFC Group, but also highlights the difference between what large institutions paid and what individual private investors have paid in recent years.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">Lessons from the Grey Market Hype </h3>
For months, the grey market — an unofficial and unregulated space where shares of unlisted companies are traded — was abuzz with talk of high premiums for HDB Financial shares. In some cases, shares were changing hands at premiums as high as 70% over expected IPO prices. However, this excitement did not match the company’s real value as determined by formal market channels. When the actual IPO price was announced, the grey market premium dropped sharply, and those who had paid high prices in private deals found themselves at a loss.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
This experience serves as a reminder that prices in unlisted markets can often be misleading. The lack of formal regulation means that buyers take on higher risks, and without proper checks, prices can rise more on sentiment and demand than on actual worth.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">The Bigger Picture for the NBFC Sector </h3>
HDB Financial’s IPO is also significant because it comes at a time when the Reserve Bank of India (RBI) has directed large NBFCs to list publicly. The goal is to bring greater transparency and accountability to the sector. While this move is good for the industry in the long run, it also puts pressure on companies to offer fair pricing in their IPOs and on investors to be more cautious.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
This IPO might set an example for how other large NBFCs approach their market listings. Companies will be careful to price their shares based on realistic valuations, and investors may become more wary of grey market deals after seeing what has happened with HDB Financial.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">What Lies Ahead for HDB Financial </h3>
While early investors might be facing losses today, HDB Financial as a company remains strong. It has a large customer base and a solid presence in retail lending, business loans, and asset finance. With backing from HDFC Bank, the company is expected to continue its growth journey, and the IPO could provide it with the additional capital it needs for expansion.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The conservative pricing of the IPO could actually work in favor of new investors. If the company performs well and the stock stays stable or rises after listing, confidence in the company and its leadership will strengthen. This can also help rebuild trust in the IPO process and set a positive example for upcoming listings in the sector.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">The Road Ahead for the Market </h3>
The HDB Financial IPO has shown that while grey markets can create excitement, they also carry the risk of inflated valuations that don’t hold up when it’s time for formal market pricing. This experience may encourage both retail and institutional investors to focus more on fundamentals when evaluating unlisted shares in the future.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
It may also prompt regulatory bodies to keep a closer eye on the grey market and consider introducing more safeguards to protect investors. As India’s financial markets continue to mature, the hope is that investors will rely more on formal, regulated channels where valuations are driven by actual performance rather than hype.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
HDB Financial’s IPO highlights the risks of unlisted market speculation and the importance of valuing investments based on real financial strength. While the 48% paper loss for early investors is a hard pill to swallow, the IPO pricing reflects an honest attempt to align with the company’s true worth and protect the interests of future investors. The next chapter will depend on how HDB Financial performs after listing and how both the market and regulators respond to the lessons from this IPO.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The post <a href="https://sfctoday.com/48-loss-for-early-investors-whats-next-for-hdb-financials-ipo/">48% Loss for Early Investors: What’s Next for HDB Financial’s IPO</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>The Rise of Retail: 5 Trends Shaping Investor Behavior in 2025</title>
<link>https://sfctoday.com/the-rise-of-retail-5-trends-shaping-investor-behavior-in-2025/</link>
<comments>https://sfctoday.com/the-rise-of-retail-5-trends-shaping-investor-behavior-in-2025/#respond</comments>
<dc:creator><![CDATA[Chaitanya V]]></dc:creator>
<pubDate>Sun, 22 Jun 2025 08:30:21 +0000</pubDate>
<category><![CDATA[Latest News]]></category>
<category><![CDATA[Retail]]></category>
<category><![CDATA[Stocks]]></category>
<category><![CDATA[Trading]]></category>
<category><![CDATA[Retail Investors]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20853</guid>
<description><![CDATA[The Rise of Retail: 5 Trends Shaping Investor Behavior in 2025 Retail investors are becoming a powerful driving force in world capital markets. Their changing behavior is revolutionizing at a fast rate with the introduction of technology, social movements, and economic conditions. This year, retail participation again rockets, remaking investment planning, asset choice, and trading [...]
The post <a href="https://sfctoday.com/the-rise-of-retail-5-trends-shaping-investor-behavior-in-2025/">The Rise of Retail: 5 Trends Shaping Investor Behavior in 2025</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>The Rise of Retail: 5 Trends Shaping Investor Behavior in 2025</h2>
Retail investors are becoming a powerful driving force in world capital markets. Their changing behavior is revolutionizing at a fast rate with the introduction of technology, social movements, and economic conditions. 
This year, retail participation again rockets, remaking investment planning, asset choice, and trading behavior. Institutions, advisers, and analysts must comprehend these trends so they can have an idea of what direction the market will take. 
<h3 aria-level="2">Increased Use of Internet Platforms </h3>
Online investment websites have opened up markets. Commission-free trading, fractional investing, and simple interfaces offered by apps are reducing barriers to entry for new investors. Apps of Zerodha, Groww, Robinhood, and Webull are recording all-time highs in downloads and active users in 2025. Apps are empowering <a href="https://sfctoday.com/bazaar-style-retail-ipo-priced-between-rs-370-389-per-share/">retail</a> investors with high-performance tools previously available only to experts. Newsfeed, simple analytics, and game-like interfaces are transforming the experience of investing.
<h3 aria-level="2">Social Media Impact on Market Sentiment </h3>
Social media websites are no longer the whispering comment board. They are live market sentiment catalysts. Rallies and sell-offs are being fueled by YouTubers, X (formerly Twitter) influencers, and social groups on Discord. Viral investment challenges and viral hashtags are making unpopular stocks go viral. While it brings people information, it also brings volatility. Sites like Reddit still permit meme stocks, the ensuing price hikes, which are sometimes not intrinsically supported, etc.
<h3 aria-level="2">Sympathy for Thematic and ESG Investing </h3>
Global themes and personal values are increasingly being considered by private investors in portfolios. Environmental, Social, and Governance (ESG) investing is on the rise. Investors are putting money into companies that are grappling with climate adaptation, clean energy, and ethical business. Thematic funds investing in AI, space exploration technology, biotech, and green infrastructure are favored among millennial investors. Themes are enticing fund managers and financial institutions to diversify their products and sharpen their strategy in these themes.
<h3 aria-level="2">Real-Time Data and Do-It-Yourself Research Tools </h3>
Availability of information has empowered <a href="https://sfctoday.com/best-retail-stocks-to-buy-and-hold-in-may-2025/">retail investors</a> like never before. Sites are providing real-time price notifications, sentiment analysis, earnings calendars, and AI-screeners. Investors themselves can perform comparative analytics, backtest trades, and develop diversified portfolios. This revolution is reducing dependence on conventional advisers and speeding entry from self-educated investors. Learning tools, webinars, and online forums are also increasing financial awareness.
<h3 aria-level="2">Short-Term Speculation and Trends FOMO </h3>
FOMO remains in the driver’s seat of retail behavior. Retail customers are short-term trading aggressively, swing trading, and intraday speculating. Products of very high volatility, such as cryptocurrencies, micro-cap IPOs, and penny stocks, are popular. Option trading by retail customers is one of the fastest-growing areas in 2025, with most using it as a vehicle to leverage returns. Yet, the trend is finding eyebrows raised at risk management, especially from new investors. The regulators are also stepping in to impose customer protection and platform responsibility.
<h3 aria-level="2">Conclusion </h3>
<a href="https://sfctoday.com/baazar-style-retail-ipo-date-price-allotment-details-and-more/">Retail investment</a> in 2025 is fueled by social interaction, access, and innovation. Finance, technology, and social interaction are converging to transform market norms. Market participants recognize the character of such revolutions to better align strategy and anticipate mood shifts. Retail surge is no longer a trend; it’s a sustained revolution in the financial system.
The post <a href="https://sfctoday.com/the-rise-of-retail-5-trends-shaping-investor-behavior-in-2025/">The Rise of Retail: 5 Trends Shaping Investor Behavior in 2025</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>What’s Fueling the Small-Cap Surge? 7 Stocks to Know</title>
<link>https://sfctoday.com/whats-fueling-the-small-cap-surge-7-stocks-to-know/</link>
<comments>https://sfctoday.com/whats-fueling-the-small-cap-surge-7-stocks-to-know/#respond</comments>
<dc:creator><![CDATA[Chaitanya V]]></dc:creator>
<pubDate>Sun, 22 Jun 2025 04:30:29 +0000</pubDate>
<category><![CDATA[Latest News]]></category>
<category><![CDATA[Stocks]]></category>
<category><![CDATA[Equity Markets]]></category>
<category><![CDATA[small-cap stocks]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20850</guid>
<description><![CDATA[What’s Fueling the Small-Cap Surge? 7 Stocks to Know in 2025 The small-cap universe has captured growing attention in 2025, outperforming many large-cap indices and catching the eye of seasoned investors and new traders alike. As growing retail participation and overall economic optimism drive these nimble companies into booming markets with added momentum, a number [...]
The post <a href="https://sfctoday.com/whats-fueling-the-small-cap-surge-7-stocks-to-know/">What’s Fueling the Small-Cap Surge? 7 Stocks to Know</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>What’s Fueling the Small-Cap Surge? 7 Stocks to Know in 2025</h2>
The small-cap universe has captured growing attention in 2025, outperforming many large-cap indices and catching the eye of seasoned investors and new traders alike. As growing retail participation and overall economic optimism drive these nimble companies into booming markets with added momentum, a number of important drivers are driving the charge.
<h3 aria-level="2">Key Factors Driving the Surge </h3>
Among the top themes of small-cap <a href="https://sfctoday.com/top-10-best-performing-stocks-of-may-08/">stocks’</a> improving fortunes is the post-recovery growth phase in the Indian and global economy. With softening inflation and central banks turning to neutral or accommodative gears, market liquidity has increased. Small-cap companies, being traditionally exposed to the economic cycle, are now well-positioned to reap the benefits of growth.
Domestic production initiatives, export orders, and upgraded cyber infrastructure have also assisted in increasing the revenue and profit margins of these companies. Better access to capital from equity markets and government-sponsored programs also increases their ability to conduct business.
<h3 aria-level="2">Market Sentiment and Retail Influx </h3>
Small-cap <a href="https://sfctoday.com/stock-market-update-sensex-crosses-71000-nifty-tops-21350/">stock demand</a> from retail investors has increased since late 2024, particularly when large-cap prices were at premium levels. Low valuations, the likelihood of higher growth, and more financial consciousness are unleashing retail flows into small-cap mutual funds and direct purchases of equity.
<a href="https://sfctoday.com/stock-market-update-nifty-50-and-bse-sensex-close-flat-as-mid-small-caps-shine/">Stock market</a> platforms and internet-based brokerage web pages have also played a role by facilitating access and making it less frictional for retail investors. Market optimism is aided by media, influencer support, and greater transparency from micro-cap issuers.
<h3 aria-level="2">Government Policy and Sector Support </h3>
Different sectors supporting small-cap companies have emerged as strategically important to India’s long-term growth agenda. The infrastructure sector, for instance, is receiving a boost from budgetary spending on rail expansion, road construction, and the deployment of clean energy.
The PLI scheme and Make in India have also initiated production activity in power, electronics, and renewables. These have benefited some small-cap companies that are supply-chain players directly. 
<h3 aria-level="2">Rising Small-Cap Heroes of 2025 </h3>
Suzlon Energy: What was once a turnaround story, Suzlon Energy has once again impressed investors following business enhancements, debt reduction, and order book growth in wind energy projects. Its spot in India’s renewable energy plan assures its long-term sustainability.
Jindal Saw: Contributing the most in the segment of pipes and tubes, Jindal Saw has shown consistent quarter-to-quarter growth because of international demand and massive orders of infrastructure. The company’s volume delivery capacity, as well as export-driven growth capacity, maintains it on investors’ radar.
Ircon International: This government-owned infrastructure company has finished several value-intensive railway and transport contracts. With India emphasizing rail upgradation and logistics development, Ircon benefits from governmental push as well as execution capability.
BEML: BEML is becoming stronger with its presence in the defense, mining, and railways sectors. The government’s increasing capital expenditures in these areas increase the potential of the stock in the medium term. 
HFCL: HFCL is emerging as a leading telecom and networking hardware player in the 5G revolution. With increasing demand for optical fiber and high-tech telecom gear, the company will benefit from domestic and overseas telecom investment.
RVNL (Rail Vikas Nigam Ltd): RVNL has built a leadership position in executing high-value rail projects. It is one of the top-performing small-cap stocks from the public sector, supported by sustained order wins of projects and timely execution.
IREDA (Indian Renewable Energy Development Agency): IREDA’s focus on funding green energy projects aligns with India’s net-zero goals. Since its listing on the market, the company has shown responsible growth in lending and rising demand for financing projects, making it a favorite among green-focused portfolios.
<h3 aria-level="2">Risk and Reward in Small-Cap Investing </h3>
As the wave goes on, however, small-cap investing is far from risk-free. Limited liquidity, lower analyst coverage, and increased sensitivity to market turbulence can impair short-term performance. Due diligence, diversified exposure, and fundamentals remain essential. 
A high percentage of small-caps exhibit dramatic price movements on news and rumors. Investors must watch earnings quality, debt status, and sector outlook before committing meaningful capital. For long-term gains, discovering growth stories that can be sustained is more relevant than chasing momentum.
<h3 aria-level="2">Conclusion </h3>
<a href="https://m.economictimes.com/markets/stocks/news/these-7-smallcap-bets-of-retail-investors-surge-200-400-in-a-year/retail-success/slideshow/112287678.cms" target="_blank" rel="nofollow">Small-cap rally</a> appears to have support from strong fundamentals, policy favor, and a benevolent economic cycle. Experience over the past few years has seen fleeting rallies in the segment, but current conditions indicate a broader and longer-duration rally.
Investors and market analysts need to remain vigilant about macroeconomic numbers, quarterly reports, and sector-related events. The best chance is in cautious entry, discretionary allocation, and continued monitoring of small-cap exposures. 
 
The post <a href="https://sfctoday.com/whats-fueling-the-small-cap-surge-7-stocks-to-know/">What’s Fueling the Small-Cap Surge? 7 Stocks to Know</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>Top 5 Crypto Exchanges in US You Can Trust in 2025</title>
<link>https://sfctoday.com/top-5-crypto-exchanges-in-us-you-can-trust-in-2025/</link>
<comments>https://sfctoday.com/top-5-crypto-exchanges-in-us-you-can-trust-in-2025/#respond</comments>
<dc:creator><![CDATA[Chaitanya V]]></dc:creator>
<pubDate>Sat, 21 Jun 2025 08:30:16 +0000</pubDate>
<category><![CDATA[Crypto]]></category>
<category><![CDATA[Latest News]]></category>
<category><![CDATA[Trading]]></category>
<category><![CDATA[Coinbase]]></category>
<category><![CDATA[Crypto Exchange]]></category>
<category><![CDATA[Cryptocurrency]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20847</guid>
<description><![CDATA[Top 5 Crypto Exchanges in US You Can Trust in 2025 Introduction The US crypto environment is still pushing the trend, and regulation and transparency are influencing the user choice in 2025. With institutional cryptocurrency adoption continuing to increase, choosing the right exchange is more important than ever. The ideal exchange offers liquidity, asset coverage, [...]
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]]></description>
<content:encoded><![CDATA[<h2>Top 5 Crypto Exchanges in US You Can Trust in 2025</h2>
<h3>Introduction </h3>
The US <a href="https://sfctoday.com/the-memecoin-rush-how-to-profit-from-the-crypto-dip/">crypto</a> environment is still pushing the trend, and regulation and transparency are influencing the user choice in 2025. With institutional cryptocurrency adoption continuing to increase, choosing the right exchange is more important than ever. The ideal exchange offers liquidity, asset coverage, strong security, and regulatory adherence. This article uncovers five extremely trustworthy crypto platforms that are dominating the US market today.
<h3>Why Exchange Credibility Will Matter in 2025 </h3>
Trust is crypto’s lifeblood. Although cybercrime is on the rise, subject to more regulatory scrutiny, clients are looking for exchanges that have insured custodianship, rigorous KYC procedures, and transparent fee structures. Not many exchanges do all this on a scale, placing them in prime position for 2025.
<h3>Coinbase: The Regulatory Trailblazer </h3>
Coinbase remains the most recognized US <a href="https://sfctoday.com/10-malicious-crypto-wallet-apps-to-avoid/">crypto</a> exchange. SEC-regulated and NASDAQ-listed, highly reputable and easy to use, it is supporting many cryptocurrencies, neat UI for new users, and pro tools for experienced hands. Coinbase’s constant efforts towards educating investors and being transparent in its legality have solidified its place in mainstream crypto consumer attitudes.
<h3>Kraken: Institutional Security Meets Retail Access </h3>
Kraken is amongst the oldest and most trusted United States exchanges. It provides users with access to a highly advanced trading engine, margin buying, and futures. The exchange is well respected for its security and boasts one of the best hack-free reputations on any exchange. Its asset security focus in addition to user-friendly transparency places Kraken at the top of the ladder of trust.
<h3>Gemini: Open and Compliance-Minded </h3>
Gemini, founded by the Winklevoss twins, has positioned itself as a compliance-first crypto exchange. It is regulated by the New York State Department of Financial Services and emphasizes user protection. Gemini’s key strengths lie in secure custody solutions and detailed asset insurance. In addition to spot trading, it offers interest-bearing accounts and a growing set of DeFi integrations. Transparency in operations and education-focused initiatives strengthen its credibility.
<h3>Robinhood Crypto: Genius Smoothness with Stocks </h3>
Robinhood continues to narrow the gap between online and offline finance by providing a platform where people can purchase and sell cryptocurrencies and stocks. Its fee-less policy continues to be appealing, especially to novice investors. Although its cryptocurrency offerings are still relatively simple compared to others, Robinhood boasts a clean compliance record and continues to develop its crypto business. Its mobile app ease of use factor adds to the convenience and legitimacy.
<h3>Crypto.com US: Building Global Trust in the States </h3>
Crypto.com, born in Singapore, has set up shop in the US. Its local onshore US exchange is regulated domestically and offers the full range of products like spot trading, staking, and crypto balance-linked debit cards. Its past record of global security standards and continued expansion in the US makes it a strong contender for trust-based investors.
<h3>Key Reasons Behind the Rankings </h3>
Rankings are made on the basis of five core reasons: safety practices, compliance of rules with US standards, facility for trading, diversification of assets, and past reputation. The exchanges have been proven to be capable of maintaining safe functions and serving new investors as well as seasoned traders alike. Regulatory approvals, audit transparency, and plans for responding to incidents were some key reasons for such selection.
<h3>Tips for Choosing a Secure Crypto Exchange </h3>
Selecting the right platform means thoroughly weighing some absolutes. Always see if an exchange is regulated and if it guarantees custodial holdings. Look at how any previous security weaknesses were treated. Fee transparency, conditions of withdrawal, and client assistance should be on the short list for decision-makers. One’s popularity rating should never be the sole criterion to opt without previous knowledge with technical safeguards in place.
<h3>Conclusion </h3>
The US <a href="https://www.investopedia.com/best-crypto-exchanges-5071855" target="_blank" rel="nofollow">crypto exchange</a> ecosystem has become far more sophisticated by <a href="https://sfctoday.com/beyond-the-blockchain-dark-web-crypto-boom-in-2025/">2025</a>. Exchanges like Coinbase, Kraken, and Gemini stand out for their method of compliance with regulation, customer education, and asset safety. While newer entrants like Crypto.com US and Robinhood Crypto introduce innovation and convenience, old-fashioned options like regulation and transparency remain the big-ticket items that these exchanges are depended upon. As the growth in use of crypto continues, buyers must choose platforms that trend toward long-term stability and fiscal caution.
The post <a href="https://sfctoday.com/top-5-crypto-exchanges-in-us-you-can-trust-in-2025/">Top 5 Crypto Exchanges in US You Can Trust in 2025</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>Beyond Bitcoin: Top Altcoins to Watch for Explosive Gains</title>
<link>https://sfctoday.com/beyond-bitcoin-top-altcoins-to-watch-for-explosive-gains/</link>
<comments>https://sfctoday.com/beyond-bitcoin-top-altcoins-to-watch-for-explosive-gains/#respond</comments>
<dc:creator><![CDATA[Chaitanya V]]></dc:creator>
<pubDate>Sat, 21 Jun 2025 04:30:26 +0000</pubDate>
<category><![CDATA[Bitcoin]]></category>
<category><![CDATA[Crypto]]></category>
<category><![CDATA[Latest News]]></category>
<category><![CDATA[Altcoins]]></category>
<category><![CDATA[Ethereum]]></category>
<category><![CDATA[Sui]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20841</guid>
<description><![CDATA[Beyond Bitcoin: Top Altcoins to Watch for Explosive Gains Bitcoin remains the unchallenged monarch of the cryptocurrency universe, but it is no longer the darling of traders. Other cryptocurrencies, also known as altcoins, offer innovation, scalability, and growth potential generally superior to that of Bitcoin. As 2025 goes on, the altcoin universe is abuzz with [...]
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]]></description>
<content:encoded><![CDATA[<h2>Beyond Bitcoin: Top Altcoins to Watch for Explosive Gains</h2>
Bitcoin remains the unchallenged monarch of the cryptocurrency universe, but it is no longer the darling of traders. Other cryptocurrencies, also known as altcoins, offer innovation, scalability, and growth potential generally superior to that of Bitcoin. As 2025 goes on, the altcoin universe is abuzz with promise fueled by decentralization, AI adoption, Web3 build-out, and decentralized finance.
<h2 aria-level="1">Why Altcoins Matter in 2025 </h2>
Blockchain technology development has yielded a plethora of altcoins with differing functions. They enable smart contracts, provide cross-chain communication, fuel decentralized applications, or enable services as oracles. Utility, scalability, and ecosystem investor interest in 2025 are defining market trends. Regulatory environment and institutional usage improvements are further propelling the <a href="https://sfctoday.com/top-5-altcoins-with-potential-for-long-term-growth/">role of altcoins</a> in the entire financial landscape.
<h2 aria-level="1">Top Altcoins to Watch </h2>
<h3 aria-level="2">Ethereum (ETH) </h3>
Ethereum is still the decentralized apps and smart contracts champion. Transitioning to Ethereum 2.0 enabled energy efficiency and scalability through proof-of-stake. Layer 2 solutions are gaining traction, and Ethereum is still attracting developers and institutions to its cause.
<h3 aria-level="2">Solana (SOL) </h3>
Famous for speedy transactions and small transaction fees, Solana is now the go-to platform for NFTs as well as DeFi platforms. Withstanding past network shutdowns, constant updates, as well as ecosystem growth have made it one of the best altcoins to keep an eye on in 2025.
<h3 aria-level="2">Polkadot (DOT) </h3>
Polkadot possesses a unique multichain structure with the ability to enable interoperability between multiple blockchains. It has a parachain framework in place that enables scalability and security for small-scale projects, a Web3 leader. 
<h3 aria-level="2">Avalanche (AVAX) </h3>
Avalanche is a fast, low-latency, and modular design. Subnet technology on the platform gives a feature for projects to create custom blockchains, making AVAX a favorite among enterprise and DeFi builders. 
<h3 aria-level="2">Chainlink (LINK) </h3>
Chainlink provides secure, decentralized oracles that feed smart contracts with external data. As blockchain usage grows, so does demand for secure and tamper-evident data sources, so LINK is a long-term contender. 
<h3 aria-level="2">Cardano (ADA) </h3>
Cardano boasts an exciting research-driven development process with an emphasis on peer-reviewed tech. With recent advancements in its smart contract capabilities and growing DeFi economy, ADA is a solid altcoin choice. 
<h3 aria-level="2">Arbitrum (ARB) </h3>
As an Ethereum Layer 2 scaling solution, Arbitrum speeds up transactions and cuts costs. The ARB token has been popular since the airdrop and enjoys massive developer adoption. 
<h3 aria-level="2">Render (RNDR) </h3>
Render Network offers decentralized GPU rendering services to AI, 3D graphics, and the metaverse. As distributed computing power continues to be in higher demand, RNDR is quickly becoming a utility altcoin. 
<h3 aria-level="2">Injective (INJ) </h3>
Injective Protocol introduces real decentralized finance with prediction markets, spot markets, and derivatives. Using Cosmos as the base, Injective introduces interoperability, zero gas costs, and speed, which will resonate with traders and DeFi enthusiasts. 
<h3 aria-level="2">Sui (SUI) </h3>
Sui is a Layer 1 next-gen blockchain that prioritizes speed and scalability. It is a scalable, application-centric, and developer-centric application, utilizing the Move programming language developed initially by Meta to provide extra security and concurrent transaction execution.
<h2 aria-level="1">Measuring Altcoin Potential: Critical Metrics </h2>
When assessing altcoins, several metrics are utilized in terms of determining potential. <a href="https://sfctoday.com/top-10-altcoins-to-watch-in-the-next-bull-market/">Market cap</a> immediately indicates size, but does not indicate real use. The volume of transactions and developer engagement provides information on adoption. Tokenomics, like supply limits and staking mechanisms, influence long-term sustainability. Partnerships and practical applications further validate a coin’s value.
On-chain metrics such as wallet growth, active accounts, and burn rates also offer open-ended estimates of a project’s success. Investors begin to value participatory community engagement, governance disclosures, and ecosystem grants as indicators of long-term survival and growth.
<h2 aria-level="1">Risks and Considerations </h2>
Investment in altcoins is risky and comes with volatility. The majority of the projects are in their early days and vulnerable to market cycles, developer dumping, or regulators’ attention. Bugs in the code or smart contract could lead to exploits. Lack of liquidity also results in issues in bear markets.
Due diligence still comes first. Projects with bad roadmaps or wildly overhyped ones usually do not create investor demand. Theme diversification by sector and market cap can hold risk at bay. Do not emotionally buy, but stick with disciplined entry points for profiteering in the altcoin world.
<h2 aria-level="1">Conclusion </h2>
<a href="https://m.economictimes.com/wealth/invest/top-cryptos-to-watch-new-altcoins-gearing-up-for-explosive-growth/articleshow/119411541.cms#:~:text=Top%20cryptos%20to%20watch%3A%20New%20altcoins%20gearing%20up%20for%20explosive%20growth,-Spotlight%20Wire&text=New%20altcoins%20like%20Solaxy%2C%20Bitcoin,mechanism%2C%20and%20MIND's%20AI%20capabilities." target="_blank" rel="nofollow">Altcoins</a> in 2025 offer differentiated exposure to innovation through decentralised finance, AI, NFTs, gaming, and data infrastructure. Except for Bitcoin, altcoins are fuelling the next wave of blockchain adoption by addressing real-use cases and bottlenecks of scalability. There is risk, but strategic and informed choice can unlock spectacular upside potential. Ethereum, Solana, Polkadot, Avalanche, and the new-generation platforms like Sui and Injective comprise the evolving heartbeat of crypto investment.
The post <a href="https://sfctoday.com/beyond-bitcoin-top-altcoins-to-watch-for-explosive-gains/">Beyond Bitcoin: Top Altcoins to Watch for Explosive Gains</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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<title>How STP Can Boost Your Mutual Fund Investments</title>
<link>https://sfctoday.com/how-stp-can-boost-your-mutual-fund-investments/</link>
<comments>https://sfctoday.com/how-stp-can-boost-your-mutual-fund-investments/#respond</comments>
<dc:creator><![CDATA[Pardeep Sharma]]></dc:creator>
<pubDate>Fri, 20 Jun 2025 13:20:44 +0000</pubDate>
<category><![CDATA[Investments]]></category>
<category><![CDATA[Stocks]]></category>
<category><![CDATA[mutual fund]]></category>
<category><![CDATA[STP]]></category>
<guid isPermaLink="false">https://sfctoday.com/?p=20844</guid>
<description><![CDATA[Start a Systematic Transfer Plan (STP) and grow your money step by step—low risk, high potential A Systematic Transfer Plan (STP) serves as a disciplined strategy for deploying a lump sum into equity funds by transferring it periodically—typically from a liquid or debt fund—into an equity or hybrid fund. This phased approach reduces market timing [...]
The post <a href="https://sfctoday.com/how-stp-can-boost-your-mutual-fund-investments/">How STP Can Boost Your Mutual Fund Investments</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
]]></description>
<content:encoded><![CDATA[<h2>Start a Systematic Transfer Plan (STP) and grow your money step by step—low risk, high potential</h2>
A Systematic Transfer Plan (STP) serves as a disciplined strategy for deploying a lump sum into equity funds by transferring it periodically—typically from a liquid or debt fund—into an equity or hybrid fund. This phased approach reduces market timing risk, enables rupee-cost averaging, and leverages both capital protection and growth potential. Here’s a comprehensive look at how STPs work, why they’re invaluable in the current financial environment, how they compare with other plans, and what the latest developments and data from 2025 reveal.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3 aria-level="3">What is an STP? </h3>
STP is a plan that allows a person to gradually transfer money from one <a href="https://sfctoday.com/top-5-mutual-funds-that-delivered-exceptional-returns-over-a-decade/">mutual fund</a> to another, usually from a low-risk fund like a liquid fund or debt fund to a high-growth fund like an equity fund. Instead of putting all the money in the stock market at once, the amount is moved step-by-step over a few months.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
For example, if ₹6 lakh is available to invest, it can be put in a liquid fund first and then ₹50,000 can be moved every month to an equity mutual fund for the next 12 months. This method reduces the risk of market ups and downs because the money enters the stock market gradually.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Why STP is Useful in 2025<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
<h4 aria-level="4">1. Stock Market is Volatile </h4>
In 2025, markets have shown mixed performance. While some <a href="https://sfctoday.com/nifty-50-vs-sensex-which-index-offers-better-stability/">large-cap companies</a> have grown, sectors like small-cap, IT, and healthcare have shown negative returns. This kind of unpredictable market makes it risky to invest a large amount at once. STP solves this by spreading the investment across time, lowering the risk of entering the market at a bad time.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">2. Record SIP Inflows Show Confidence in Systematic Investing </h4>
In May 2025, mutual fund SIP (Systematic Investment Plan) inflows reached an all-time high of around ₹26,688 crore. This shows more people are preferring regular investing over lump-sum investments. STP follows the same systematic idea but works when someone already has a lump sum.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>How STP Works<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
STP works like a bridge between two mutual funds within the same fund house (like SBI Mutual Fund or HDFC Mutual Fund). Here’s how it works:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Initial Investment: Money is first placed in a safer fund (usually a liquid or ultra-short-term debt fund).<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Transfer Schedule: A fixed amount is automatically shifted to a chosen equity fund at regular intervals (weekly, monthly, or quarterly).<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Growth Strategy: The transferred amount starts earning equity returns, while the remaining money in the debt fund earns small but steady returns.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
This process continues until all the money is moved.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
<h3>Types of STPs<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
There are three main types of STPs:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
Fixed STP: A set amount (e.g., ₹10,000) is transferred each month.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Capital Appreciation STP: Only the profits earned in the debt fund are transferred.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Flexible STP: The transfer amount changes depending on market performance.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Benefits of STP<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
<h4 aria-level="4">1. Reduces Market Timing Risk </h4>
Investing a large amount in one go can be risky if the market suddenly drops. STP avoids this by dividing the investment into parts and entering the market slowly.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">2. Rupee-Cost Averaging </h4>
This simply means that the mutual fund units are bought at different prices. Sometimes the price is high, and sometimes it is low. Over time, this averages out the cost and lowers the overall price per unit.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">3. Keeps Money Active </h4>
Instead of letting the lump sum sit idle in a savings account, parking it in a liquid or debt fund helps earn small returns until it gets transferred.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">4. Discipline and Peace of Mind </h4>
STP sets a fixed plan and removes emotional decisions. It runs automatically, reducing the need to constantly track the market.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h4 aria-level="4">5. Tax Benefits </h4>
When moving money between funds, capital gains tax may apply. However, if held for over a year, equity funds get long-term tax treatment, which is more favorable. Also, since debt fund withdrawals are spread out, tax can be planned better.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>STP vs SIP vs Lump Sum – What’s Better?<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Lump Sum: Risky if the market falls after investing. But can give high returns if invested during a market dip.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
SIP: Best for those who invest from monthly salary or income.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
STP: Ideal when a large amount is already available but investing slowly is preferred.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
STP is considered better than lump-sum investing during market highs or uncertain times. It combines the safety of debt funds with the growth potential of equity.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Real-Life Example<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Imagine someone had ₹10 lakh to invest in June 2023. Instead of putting it all into equity funds, the person uses STP to shift ₹50,000 every month from a liquid fund to an <a href="https://sfctoday.com/category/stocks/">equity fund</a>.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
By mid-2025, the total return would likely be better than simply waiting or investing the full amount in one go. Plus, the investor avoids big losses during market drops.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
In one example, an investor using an STP from a debt fund to a large-cap equity fund over 9 years saw an average return of over 13% in the equity part and around 6% in the debt portion—combining both gave a steady and impressive result.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>When to Use STP<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
STP is useful in many situations:<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}"> 
After receiving a bonus, retirement fund, or property sale money.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
During volatile markets when direct equity investing feels risky.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
For long-term goals like retirement, child’s education, or home buying.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
When switching from debt to equity for better returns over time.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Important Tips<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Use the same mutual fund company: STP works only between funds of the same Asset Management Company (AMC).<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Choose the right duration: Usually 6–12 months is ideal, but it can be adjusted based on market condition.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Keep track of taxes: Withdrawals from debt funds within 3 years may have higher taxes.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Start with a liquid fund: These are low-risk and earn small returns while funds wait to be transferred.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>What Experts Say in 2025<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Market experts in 2025 suggest STPs are one of the best ways to invest lump sums, especially when markets are unpredictable. With inflation stable and global interest rates under watch, Indian investors are leaning more towards safe yet growth-oriented strategies like STPs.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
<h3>Final Thoughts<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":0,"335559739":0,"335559740":17}"> </h3>
Systematic Transfer Plans offer a smart and practical way to invest large sums of money. They reduce the risk of market swings, provide steady returns, and bring discipline into investing. In the current market environment of 2025—where ups and downs are common—STPs help manage risk while still aiming for good returns.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
Whether the goal is wealth building, retirement planning, or just entering the market safely, STPs are proving to be one of the most effective tools in mutual fund investing today.<span data-ccp-props="{"134233117":false,"134233118":false,"134245417":true,"134245418":false,"134245529":false,"201341983":2,"335551550":1,"335551620":1,"335559685":0,"335559737":0,"335559738":240,"335559739":240,"335559740":17}">
The post <a href="https://sfctoday.com/how-stp-can-boost-your-mutual-fund-investments/">How STP Can Boost Your Mutual Fund Investments</a> appeared first on <a href="https://sfctoday.com">SFC Today</a>.
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