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Time of India
a day ago
- Business
- Time of India
How to recover home loan interest through smart investing
Taking a loan is often considered detrimental to one's financial well-being, primarily due to the burden of paying interest on the borrowed capital, which often impacts one's financial plan. Most experts, therefore, advise against opting for a loan to buy an expensive asset and rather suggest accumulating the money needed before making such a purchase. While such advice might be appropriate when it comes to purchases that are classified as 'wants', for things that are classified as 'needs', it's often difficult to avoid availing a loan. A house purchase is a classic example - many people who value the security and stability that comes with owning a house often do not mind availing a loan to buy a house. However, this doesn't take away the pain of making interest payments over the tenure of the loan, which often tends to be quite long in case of a home loan . For example, if you take a loan of ₹20 lakhs over 20 years at an interest rate of 9% p.a., the total interest amount that you will end up paying over a 20 year period will in fact be higher than the amount you borrowed. The chart below shows the break up of the principal repayment and interest payment on such a loan. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Play War Thunder now for free War Thunder Play Now Undo (Author of the article Nilesh D Naik is Head of Investment Products, (PhonePe Wealth))
Mint
20-05-2025
- Business
- Mint
Indian markets at a crossroads: Banking loses steam, IT and metals eye a comeback
India's equity market is undergoing a subtle but critical sectoral shift as the latest Relative Rotation Graphs (RRG) from reveal evolving momentum patterns among key industries. While the banking sector continues to lead, its waning strength suggests the tide may be turning in favor of sectors like IT and metals. According to weekly Sector Rotation Report, which analyses sectoral movements relative to the Nifty 50 benchmark over a six-week period from April 4 to May 16, several sectors are showing signs of transition. Banking, private banking, and financial services indices have remained in the leading quadrant, outperforming the broader market with strong relative strength and momentum. However, recent trends show a decline in both, signaling that this leadership may not last much longer. Analysts suggest that while fundamentals remain solid, valuations and macro headwinds could be prompting investors to rotate out of these heavyweights. The IT sector, which had been underperforming, is now showing renewed strength. Rising momentum and improving relative performance indicate growing investor confidence, possibly driven by global tech demand and cost optimization initiatives. Metal stocks, while still in the lagging quadrant, have shown a modest improvement in momentum. While early, this may signal the beginning of a bottoming-out phase, especially if global commodity cycles turn supportive. The auto sector remains in the lagging zone but is witnessing a gradual pickup in momentum. Analysts interpret this as early signs of a cyclical rebound, though visibility remains low. In contrast, the pharma sector has slipped deeper into underperformance, moving from weakening to lagging with falling momentum and strength—indicating structural pressures may persist. Once seen as safe havens, FMCG and healthcare sectors have also drifted into the lagging quadrant. notes that these sectors have failed to sustain prior momentum, likely reflecting stretched valuations and tepid earnings growth. As of mid-May, the sectoral rotation paints a picture of a market in transition. 'Investors should watch out for emerging leadership from beaten-down sectors showing signs of revival. The IT and metal sectors deserve close attention, especially if momentum sustains,' the report said. The Relative Rotation Graph (RRG) framework used in the analysis is particularly helpful in identifying turning points, enabling investors to shift focus ahead of major sector rallies. Experts suggest that success in the current environment will depend on adaptability and timely sector rotation. Disclaimer: The views and recommendations made above are those of individual analysts or broking companies, and not of Mint. We advise investors to check with certified experts before making any investment decisions.
Economic Times
19-05-2025
- Business
- Economic Times
Defence stocks enter overheated zone, says Share.Market expert, suggests strategy for GRSE, Cochin Shipyard & 3 others
Agencies Overall, evolving patterns in volume and price action point to expanding market breadth. The US-China trade truce has improved global risk sentiment and the agreement introduces the possibility of a 'Buy China, Sell India' trend, where investors might reallocate funds to Chinese markets, Om Ghawalkar, Market Analyst at said, as he reiterates that the uncertainty in Nifty would continue. This analyst spells-out strategy in previous week's major movers viz. GRSE, Cochin Shipyard, Raymond and 3 more stocks. Excerpts: US striking trade deals with countries especially China seems to have turned on the markets this week with Nifty closing with over 2% uptick. Do you think the negative impacts are priced-in now and with more deals coming through, things will only get better from here? Following the recent breakthrough in US-China trade negotiations, both countries have agreed to significantly reduce tariffs for an initial 90-day period, effective May 14, 2025. The United States will lower its overall tariffs on Chinese goods from 145% to 30%, while China will reduce its tariffs on American products from 125% to 10%. This agreement marks a substantial de-escalation in trade tensions and is expected to influence global trade flows. For India, these changes could impact the demand for Indian products in both the US and Chinese markets, as lower tariffs may make Chinese goods more competitive. Additionally, the evolving US-China trade relationship could affect the ongoing US-India trade negotiations. If a US-India deal is finalized, it could have significant implications for key Indian sectors such as textiles, pharmaceuticals, and IT, which are closely tied to US trade the announcement of a ceasefire between India and Pakistan also provided a boost to market sentiment, fueling a rally that saw the Nifty close over 2% higher this week. The combination of easing geopolitical tensions and positive global trade developments has contributed to the recent uptick in Indian equities. What are important levels to watch out for Nifty and Bank Nifty? As of the latest close, the Nifty 50 is trading at 25,019. Immediate resistance for the index is seen in the 25,200–25,350 zone, with key levels at 25,207 and 25,268. On the downside, immediate support is expected around 24,800–24,750, with stronger support at 24,650 if selling intensifies. The index remains above its key moving averages, and the short-term trend continues to favor the bulls, although some consolidation is likely near resistance levels. Bank Nifty is currently trading near its all-time high at 55,534. Immediate resistance is at the 56,000–56,500 zone, which aligns with its previous highs. Support is seen at 54,800, with a stronger floor near 54,000, a level the index has tested several times in recent sessions. Sustained trade above 55,250 would maintain bullish momentum, while a break below 54,000 could trigger further downside. Defence stocks had a stellar last week with the Nifty Defence index rising 17%. Over the last three months, it has surged 53%. Is this a signal to stop or one should ride the momentum? India's defence sector has seen a sharp surge in investor interest, driven by growing geopolitical stability and robust policy support. The recent India-Pakistan ceasefire and successful Operation Sindoor have underscored India's rising defence capabilities, enhancing global Minister Modi's continued push for indigenisation, marked by the Rs 7 lakh crore defence budget and the 'Made in India' defence manufacturing initiative, has added strong tailwinds to the sector. Major order wins, including BrahMos missile exports to over 15 countries and the Rs 63,000 crore Rafale deal with France, further highlight India's emergence as a key defence a significant Indo-German collaboration, Thyssenkrupp Marine Systems and Mazagon Dock Shipbuilders moved forward with a $5.2 billion deal in February 2025 to manufacture six advanced submarines for the Indian Navy. This reflects India's growing global defence partnerships, bolstered by technology sharing, joint exercises, and logistics collaboration is also rising, as seen in Paras Defence's MoU with Israel's HevenDrones—highlighting increasing demand for Indian defence tech the sector's momentum remains strong, some stocks appear overextended. Investors are encouraged to book partial profits where appropriate, monitor fresh breakouts, and maintain disciplined risk and position management strategies. FIIs are back but with the US-China agreement, do you see a repetition of 'Buy China Sell India' trade? Foreign Institutional Investors (FIIs) have made a notable comeback in Indian equities, investing Rs 23,778 crore in May 2025. This resurgence follows a period of heavy selling in the first quarter and a modest return in April. The renewed enthusiasm is attributed to easing geopolitical tensions, including the India-Pakistan ceasefire and a US-China trade truce, which have improved global risk sentiment. However, the US-China agreement introduces the possibility of a "Buy China, Sell India" trend, where investors might reallocate funds to Chinese this potential shift, India's strong macroeconomic indicators—such as stable inflation, anticipated RBI rate cuts, and projected GDP growth over 6% in FY26—continue to attract investors. While large-cap stocks may face some headwinds, mid- and small-cap segments are likely to benefit from robust domestic participation and sector-specific growth stories. What are the themes that are catching your attention and why? While defense has been leading the rally, I see some interesting sectors like Oil & Gas, IT, Renewable and Metal getting some volume spikes. I would look for leading stocks in these sectors for the coming weeks. While the recent rally has been largely driven by defence sector stocks, other key industries are now showing renewed strength. The Oil & Gas, IT, Renewables and Metals sectors have all seen notable spikes in trading volume, potentially signaling early accumulation or a shift in investor focus beyond defence. Leading stocks in these areas are attracting significant attention, reflecting growing investor interest and a possible broadening of the market rally. Increased participation could position top names in these sectors to become key market drivers in the coming weeks. Overall, evolving patterns in volume and price action point to expanding market breadth. There were some big winners this week like GRSE, Cochin Shipyard and Rites while Neuland Labs and KPR were among the worst losers. What should investors do with them along with Raymond post the carving out of the realty business? We can answer this by checking factor scores for these stocks using our research, which evaluates them across five key factors: Momentum, Value, Sentiment, Volatility, and Quality. Each stock is scored out of 5 on these factors, helping investors assess price trends, fair valuation, market perception, risk levels, and financial strength. By using these insights, investors can make informed decisions and identify strong opportunities in the current Reach Shipbuilders & Engineers Ltd. (GRSE) Momentum: 4/5 – Strong momentum observed, making it an outperformer in the recent sessions. Value: 2/5 – Appears somewhat expensive relative to its valuation metrics. Quality: 5/5 – Excellent quality, reflecting strong financial fundamentals and consistent operational performance. Volatility: 1/5 – High price fluctuation, indicating significant short-term movement. Cochin Shipyard Ltd. (COCHINSHIP) Momentum: 3/5 – A market-like performer with moderate momentum in recent sessions. Value: 1/5 – The stock appears very expensive compared to its underlying fundamentals. Quality: 4/5 – Good quality, indicating solid financial health and operational strength. Volatility: 2/5 – Notable price fluctuations observed, suggesting moderate volatility. Rites Ltd. (RITES) Momentum: 2/5 – The stock has shown weak momentum, marking it as an underperformer recently. Value: 3/5 – Fairly valued, indicating a balanced price relative to fundamentals. Quality: 5/5 – Excellent quality with strong financial and operational metrics. Volatility: 4/5 – Low price fluctuations, suggesting overall price stability. Neuland Laboratories Ltd. (NEULANDLAB) Momentum: 3/5 – Market-like performer, indicating moderate price momentum. Value: 2/5 – Somewhat expensive compared to its fundamentals. Quality: 5/5 – Excellent quality, showing strong business fundamentals and financial health. Volatility: 2/5 – High price fluctuation, suggesting relatively higher risk or instability. KPR Mill Ltd. (KPRMILL) Momentum: 5/5 – Strong outperformer, showing robust price momentum. Value: 3/5 – Fairly valued relative to its fundamentals. Quality: 5/5 – Excellent quality, indicating strong financial health and operations. Volatility: 5/5 – Low price fluctuation, suggesting lower risk. Sentiment: 5/5 – Analysts are very bullish, showing strong positive market sentiment. Raymond Ltd. (RAYMOND) Momentum: 4/5 – Outperformer, indicating strong recent performance. Value: 5/5 – Highly undervalued, offering strong potential upside. Quality: 4/5 – Good quality, reflecting solid fundamentals. Volatility: 3/5 – Slight price fluctuation, moderately stable.
Time of India
28-04-2025
- Business
- Time of India
Nifty breaches key hurdle, jumps 300 points riding on RIL. Here's Share.Market strategy on Reliance, 4 other stocks
Live Events (You can now subscribe to our (You can now subscribe to our ETMarkets WhatsApp channel Index heavyweight Reliance Industries (RIL) led the bulls on Monday as Nifty easily breached the psychological resistance level of 24,000 and was trading around 24,340. The stock is currently trading above its 20-day and 50-day moving averages and is attempting to break through its 200-day moving average, says Om Ghawalkar , Market Analyst at This analyst also spells-out strategy in previous week's major movers viz. Tata Elxsi , ACC and 2 more stocks. Excerpts:The Nifty 50 index witnessed a strong rally, rising from 21,800 to 24,000, reflecting robust bullish momentum. The 24,000 level initially acted as a psychological resistance; however, it was later breached, followed by a minor pullback back to the 24,000 indicators, such as the MACD, continue to signal bullish the downside, Nifty has immediate support levels at 23,800 and 23,300, which could provide a cushion in the event of further pullbacks. On the upside, a decisive move above 24,000 may pave the way for a rally towards the next resistance at 24, its peak in December 2024, the Indian IT sector has faced significant challenges. However, recent trends indicate a positive shift. According to research, the sector is exhibiting increased momentum and relative strength, suggesting a movement towards the 'Improving' should consider companies with a diversified client base and strong capabilities in cloud computing and artificial intelligence. Such firms are better positioned to navigate the current global it's crucial to maintain a sound risk management strategy, given the ongoing macroeconomic challenges and evolving technological to our research, the banking and financial services sector has shown a notable increase in momentum and relative strength over the past few weeks. This uptick reflects growing investor confidence and a positive outlook for the it's important to note that many stocks within this sector may currently be overextended. Investors are advised to exercise caution and consider waiting for more favorable entry points. Specifically, focusing on stocks that are in an uptrend and consistently respecting their 10-day and 21-day moving averages as support levels can be a prudent strategy. Such technical indicators often signify strong underlying momentum and can help in identifying sustainable investment Industries Limited (RIL) has become the first Indian company to surpass ₹10 lakh crore in net worth, marking a significant achievement in its corporate its Q4 FY25 results, RIL reported a consolidated net profit of ₹19,407 crore, reflecting a 2.4% year-on-year increase. Revenue from operations stood at ₹2.64 lakh crore, up 9.9% compared to the same period last company's board has declared a dividend of Rs 5.50 per equity share for FY25, reinforcing its commitment to delivering value to a technical standpoint, RIL's stock is exhibiting bullish momentum. It is currently trading above its 20-day and 50-day moving averages and is attempting to break through its 200-day moving average. Additionally, the MACD indicator signals positive momentum, suggesting a potential upward trend in the stock's have infused over Rs 30,000 crore in Indian equities, giving a boost to the stock market amid uncertainty over Trump's tariffs. While there is a 90-day pause on these reciprocal tariffs, investors should focus on sectors that have shown consistent strength. Positional bets can be taken in stocks trading above their 50-day moving average, with a diversified client base and strong is advisable to follow a strict risk management system, including profit-booking on sharp rallies and maintaining some allocation to defensive assets. One can also diversify by having some exposure in Gold the July tariff deadline approaches, staying nimble and rotating into sectors less exposed to global trade risks can help protect portfolios while capturing upside in India's resilient growth can answer this by checking factor scores for these stocks using our research, which evaluates them across five key factors: Momentum, Value, Sentiment, Volatility, and Quality Each stock is scored out of 5 on these factors, helping investors assess price trends, fair valuation, market perception, risk levels, and financial strength. By using these insights, investors can make informed decisions and identify strong opportunities in the current 2/5 – The stock is currently underperforming, indicating weak price 2/5 – The stock appears somewhat expensive compared to its 4/5 – Good quality with strong financial fundamentals and operational 5/5 – Very low price fluctuations, suggesting high stock 5/5 – Analysts are very bullish, showing strong investor 1/5 – The stock is showing very weak momentum, indicating significant 2/5 – Somewhat expensive valuation relative to its 5/5 – Excellent quality, backed by strong financials and operational 5/5 – Very low price fluctuations, suggesting high 1/5 – Analysts are very bearish, reflecting low investor 1/5 – Very weak momentum, indicating significant 4/5 – Somewhat undervalued, suggesting the stock offers good value relative to 4/5 – Good quality, reflecting solid financials and operational 5/5 – Very low price fluctuations, indicating high 3/5 – Neutral analyst sentiment, with a balanced 4/5 – The stock is showing strong momentum, indicating a solid uptrend and investor 2/5 – Somewhat expensive valuation relative to its 2/5 – Poor quality, lacking solid financials and operational 5/5 – Very low price fluctuations, indicating high 3/5 – Neutral analyst sentiment, with a balanced outlook.(Disclaimer: Investments in securities are subject to market risks. Read all the related documents carefully before investing. All investors are advised to conduct their own independent research into investment strategies before making an investment decision. Past performance does not guarantee future returns.)(Disclaimer: Recommendations, suggestions, views and opinions given by the experts are their own. These do not represent the views of Economic Times)
