EPF must be your safety foundation to cover basic retirement needs. The DIY portfolio provides market growth to fund your desired lifestyle. The right mix depends on your age and your emotional tolerance for risk during market crashes.
Bitcoin is falling mainly because global conditions are uncertain, big investors are cautious, and liquidity in the market has weakened. These pressures have pushed prices down faster than usual. For long-term investors, this fall may still be an opportunity if they believe in Bitcoin’s future.
Emmvee Photovoltaic’s IPO valuation looks reasonable and attractive compared to peers like Waaree and Premier Energies. It shows strong profit margins of 30.9% EBITDA and rapid growth, with PAT up 1,177% in FY2025. At a P/E of 40.7 times, it’s cheaper than many rivals, and debt reduction will make it even better.
PhysicsWallah dramatically cut its net losses by 78% and achieved a positive operating profit (EBITDA) in FY 2025. Huge earlier losses were mainly caused by complicated accounting rules related to convertible preference shares, not core operations. This impressive turnaround confirms the financial viability of their affordable, hybrid education model amid rapid expansion
A Rs. 40 lakh MBA can seem to costs a lot upfront, including fees and lost salary, etc. But if you want to see MBA as an investment, then the calculations show that it pays back in 7-9 years, with 10% returns. Sp you can seem it is better than bank FD (very much an inflation beating return). Yes, it’s worth it if you can wait for the long-term gains. The longer you can wait, better will be the ROI. So MBA is not just a cost, it does deliver returns.
Piramal Finance (PFL) listed on NSE without an IPO due to strict RBI rules that forced its parent company (Piramal Enterprises – PEL) to merge into it by September 2025. This swap gave shareholders one PFL share for each old share of PEL. It saved time and costs while unlocking value in its finance business.
Startups in India burn cash because taxes hit profits hard (up to 52% if paid out as dividends). Instead, they grow fast by spending on ads and users, keeping taxes low at just 15% on share sales later. This boosts valuations for VCs’ quick exits. But is can also nurture such shaky businesses that will easily crumble in tough times.
The Altman Z-Score did flagged Indian failures like Kingfisher Airlines and DHFL as distressed companies. For Kingfisher, it showed negative scores from 2008, warning of trouble years before the 2012 shutdown. DHFL’s low 2019 score similarly predicted its quick bankruptcy collapse.
The Altman Z-Score works well for old factories but can yield wrong interpretations on tech firms like Zomato, Paytm, Lenskart etc. Why? Because it will see their negative cash balances as danger, when it’s actually smart business from holding customer money briefly. For growth stars like Lenskart, it punishes startup losses that fuel big wins later.
To calculate the Altman Z-Score, start by gathering data like total assets, working capital, and EBIT from a company’s balance sheet and income statement. Next, compute five ratios – such as working capital over total assets – and plug them into the formula (see formula here). Finally, a score above 3 means safe, while below 1.8 signals risk, as seen in Tata Steel’s grey zone example (see the steps here)
Ambuja Cement’s net profit jumped 389% year-over-year to Rs. 2,297 crore mainly because of a big tax reversal—they got back Rs. 1,464 crore in provisions. Strong sales volumes up 20% and better pricing also helped boost earnings. Without the tax break, profits still grew nicely from solid operations.
Tech Mahindra looks like a smart bet for 2026, trading at Rs 1,424 now. It is down from Rs 1,500 levels in September, offering better entry for patient Indian investors. Its diversified verticals like BFSI and manufacturing, plus 51% YoY deal wins at $809 million TCV, show solid momentum. With AI training for 77,000 staff and 15% EBIT target by FY27, expect steady growth amid global recovery.
