Vehicle sales commission: ₹8,000–₹12,000 per unit (depends on model)
Spare parts and accessories: Higher margins (20–30%)
Service and repairs: Consistent revenue stream
Finance & insurance: You earn commissions per deal
Breakeven Point
Breakeven Period: ~2 to 3 years
This depends on location, local demand, and how efficiently the dealership is run.
Monthly Revenue Estimate Table
Investment
Avg ROI (%)
Monthly Income
₹40 lakh
18–20%
₹60k – ₹66k
₹50 lakh
18–20%
₹75k – ₹83k
₹1 crore
18–20%
₹1.5L – ₹1.66L
₹1.5 crore
18–20%
₹2.25L – ₹2.5L
Conclusion
A Hero dealership can earn ₹75,000 to ₹2.5 lakh per month depending on investment size and city. The annual ROI ranges from 18% to 20%, making it a stable and profitable business if executed well.
Developed by Highland Lifespaces, this 100+ acre industrial park in the Derabassi–Lalru belt is GMADA and RERA approved. Designed as a Red‑Zone industrial hub, it caters to sectors like steel, chemicals, automotive, pharmaceuticals, electronics, food processing, and more.
With customizable sheds, world-class infrastructure, and eco‑friendly amenities, HIC offers a ready-to-use platform for SMEs and MSMEs.
Plot Prices & Rental Rates
Industrial Plots
According to Highland’s brochure, base sale rates range from ₹13,500 to ₹15,000 per sq yd, plus PLCs (Preferential Location Charges) and IFMS (₹100/sq yd).
Third-party listings:
1,000 sq yd industrial plot → approximately ₹1.35 Cr (~₹13,500 per sq yd) .
2,000 sq yd plot → around ₹2.7 Cr (~₹13,500 per sq yd).
6 acres (~2.7 L sq yd) → ₹8.1 Cr (₹13.5 L per acre), translating to ~₹3,370 per sq yd—appears discounted.
These data points align with Highland’s advertised pricing, with premiums for prime spots.
Rental Example
A 2,000 sq ft (≈222 sq yd) industrial warehouse space in Lalru rents for ₹20,000/month (~₹90/sq yd/month).
Industrial rent tends to be lower than residential, making establishment cost-effective initially.
Connectivity & Location Benefits
Situated along NH‑44 (Chandigarh–Delhi highway) with upcoming PR12 road boosting access.
Proximity to rail lines, with easy access to Chandigarh Airport (~20 km) and rail junction (~6 km) .
Near emerging industrial estates and major players like Mahindra, Oriental, etc. .
Strong road connectivity to Chandigarh, Mohali, Zirakpur, Derabassi, and farther to Haryana, Himachal Pradesh, UP, Uttarakhand.
Why Prices Are Poised to Appreciate
Industrial corridor in boom mode: The Derabassi–Lalru belt is actively being promoted by the Punjab government as a priority industrial zone.
Infrastructure-led growth: Roads (NH‑44, PR12), utilities, and airport/rail connectivity will significantly reduce logistics costs.
Built‑to‑suit offerings: Custom sheds ready for fast occupancy accelerate business launch timelines.
Rising demand in industrial clusters: Several industrial estates nearby ensure a reinforcing ecosystem.
Land scarcity: As major players occupy plots, supply tightens—driving prices up.
Insights and nearby regions signal robust demand and a likely 5–30% price appreciation over the coming years.
Recap Table
Parameter
Details
Plot Price
₹13,500–15,000/sq yd (+PLC/IFMS)
1,000 sq yd Plot Cost
~₹1.35 Cr
Warehouse Rent
₹20k/month for 2,000 sq ft (~₹90/sq yd/month)
Connectivity
NH‑44 access, PR12 upcoming, close to rail, airport (~20 km)
Appreciation Outlook
5–30% increase likely over next 3–5 years in strategic corridor
Conclusion
Highland Industrial City offers a compelling mix of strategic location, modern infrastructure, and competitive pricing. The availability of customizable industrial sheds means businesses can start quickly, while strong connectivity ensures efficient operations.
With land scarcity and infrastructure growth in play—and rising demand across the industrial corridor—there’s a solid chance for healthy appreciation in plot values and rental income going forward.
If you’re evaluating industrial investment or expansion near Chandigarh, Highland Industrial City in Lalru deserves serious consideration.
DISCLAIMER: This Blog is for informational purposes only and should not be construed as investment advice. Please invest based on your risk profile
Official Beta Launch: Amazon Now has begun operating in beta in three Bengaluru PIN codes, available to select users via the Amazon app.
Rapid Delivery: Promising delivery within 10 minutes through dark stores (10–15 currently active), strategically placed to cater to ultra-fast orders.
Core Categories: Initially offering everyday essentials—groceries, vegetables, snacks, beverages, home and personal care products—with plans to expand into beauty, home, and kitchen soon.
No Surge Fees: Amazon stands out by offering free delivery on orders above ₹199 with no extra handling fees or late-night surcharges.
Battle for the Future of Quick Commerce
India’s quick‑commerce sector is booming—a ₹21 billion market projected to reach ₹31 billion by FY27.
Amazon’s launch of Amazon Now in Bengaluru marks a bold push into India’s ultra-speed delivery space. Backed by operational heft and customer reach, this move could redefine convenience expectations—and force existing players to level up.
As the next chapters unfold, it’s clear: the battle for 10‑minute delivery supremacy is heating up—and Bengaluru is ground zero.
West Bengal is making strategic moves to position itself as a vital player in India’s growing defence manufacturing ecosystem. In a recent development, the state government has urged private companies and industrial stakeholders to tap into the vast potential of Micro, Small, and Medium Enterprises (MSMEs) for boosting defence production. The initiative aligns with the Centre’s ‘Aatmanirbhar Bharat’ (self-reliant India) campaign and seeks to make Bengal a robust hub for indigenised defence equipment and components.
Bengal’s MSME Strength: A Hidden Powerhouse
West Bengal houses over 88 lakh MSMEs, making it one of the largest bases for small and medium-scale industries in India. These enterprises span across sectors like precision engineering, metal fabrication, electronics, chemicals, textiles, and more—many of which are directly or indirectly relevant to defence manufacturing.
Recognising this, state officials, during various industry meets and defence expos, have appealed to large corporations and defence PSUs (Public Sector Undertakings) to integrate Bengal’s MSMEs into their supply chains. The state is particularly focusing on Tier-II and Tier-III suppliers who can manufacture components, tools, machinery parts, and sub-systems for the armed forces.
Government Support and Policy Push
To accelerate this vision, the West Bengal government has laid out several enabling measures:
Cluster Development: Establishing defence-focused MSME clusters in areas like Howrah, Durgapur, and Kharagpur, which already have a strong industrial base.
Ease of Doing Business: Offering single-window clearances, land allotments, and subsidised utility rates for defence-oriented MSMEs.
Skill Development: Partnering with academic and technical institutes to train youth in advanced manufacturing and defence technologies.
Access to DRDO & Armed Forces: Facilitating MSME participation in Defence Research and Development Organisation (DRDO) projects and tenders issued by the Army, Navy, and Air Force.
Call to Action for Large Enterprises
The state has urged major companies, both public and private, to act as enablers by:
Outsourcing production tasks to qualified MSMEs to build scale and agility.
Investing in technology transfer to uplift local capabilities.
Collaborating through joint ventures to innovate and commercialise defence-grade products.
State officials have also proposed offset partnerships with global OEMs (Original Equipment Manufacturers) entering Indian defence projects under the offset policy, to work with Bengal-based MSMEs as part of their compliance.
The Bigger Picture: India’s Defence Goals
India aims to become a top global defence exporter by 2030, with a target of achieving ₹1.75 lakh crore in annual defence production. The success of this ambitious goal depends heavily on grassroots manufacturing and decentralised participation. Bengal’s move to mobilise its MSME network is not just a regional initiative—it’s a crucial cog in the national machinery.
Conclusion
With its vast network of skilled MSMEs, proactive governance, and a renewed focus on indigenisation, Bengal is inviting defence manufacturers to discover untapped potential. By leveraging these capabilities, companies can not only scale their operations but also contribute to making India self-reliant in defence production.
As Bengal opens its doors to the defence sector, the message is clear: empower MSMEs, and you empower the nation.
Effective June 16, 2025, the National Payments Corporation of India (NPCI) has slashed response times across the UPI network—making everyday transactions significantly quicker on platforms like Google Pay, PhonePe, Paytm, BHIM, and others.
What’s Changing?
UPI Operation
Old Time Limit
New Time Limit
Request Pay / Response Pay
30 seconds
15 seconds
Check Transaction Status
30 seconds
10 seconds
Transaction Reversal (failures)
30 seconds
10 seconds
UPI Address Validation
15 seconds
10 seconds
These reductions mean quicker confirmations, faster error handling, and less waiting overall
Why It Matters
Instant confirmation: You’ll know if your payment succeeded, failed, or was reversed within seconds—not tens of seconds .
Smoother refunds: Failed transactions are reversed faster—no more waiting half a minute to get your money back.
Reliable peak-time performance: During salary days, festivals, or prime hours, UPI remains snappy even amid loads.
NPCI’s Rationale
According to NPCI’s April 26 circular, these updates aim at:
Enhancing user experience across all banks and UPI platforms.
Backing new guidelines coming this July—like capping balance checks (50/day) and account-listing requests (25/day), plus revised mandate retries.
For App Users & Banks
No app download needed—this is all backend magic by NPCI, banks, and payment service providers.
Banks and PSPs must update their systems by June 16. Non-compliance could lead to fines if delays rise.
Tip for users: Keep your UPI apps current and enjoy the faster performance.
Real-World Benefits
Users: Less idle time, quicker clarity on payment statuses, fewer frustrations.
Ecosystem-wide: Prepares for growing volumes—UPI saw ~18.7 billion transactions in May alone.
Conclusion
From June 16, your UPI experience just got a whole lot better: send, receive, check, or reverse payments within 10–15 seconds. Behind the scenes, NPCI and banks are fine-tuning UPI to be even more reliable at scale. No action needed—just update your app when prompted and enjoy the speedier, smoother payments ahead!
On June 12, 2025, shares of One97 Communications (Paytm) experienced a sharp intraday decline of 10%, hitting a low of ₹864.40 on the BSE. The drop followed an official clarification from India’s Finance Ministry, which publicly dismissed the rumors of merchant fees being reintroduced on UPI transactions as “false, baseless and misleading”
What Sparked the Sharp Decline?
Buzz about MDR revival: UPI merchants currently pay no Merchant Discount Rate (MDR), but recent speculation suggested a reintroduction of a ~0.3% fee on high-value UPI transactions (₹3,000+), alleviating fintechs’ pressure.
Prime reaction: The Finance Ministry responded swiftly on June 11, stating the rumors were sensational and created fear and uncertainty—there are no plans to impose such fees .
Investor sentiment: With no MDR or sustained higher government incentives, UBS projects Paytm’s adjusted core profits could shrink by over 10% in FY26–27, making this clarification a significant negative trigger.
Market Movement & Recovery
Intraday low: Shares hit ₹864.40, then rebounded to close down around 6.5% at ₹897.20 amid partial recovery.
Market cap erosion: The drop shaved off approximately ₹6,123 crore, reducing Paytm’s valuation from ₹61,246 crore to ₹55,123 crore at its low, before a bounce back to ₹57,233 crore.
Wider markets: The Nifty 50 dipped about 0.2%, partly dragged by this news and general external uncertainties.
Deeper Implications
Factor
Details
Revenue pressure
Paytm generates income through merchant transaction fees or government incentives—zero MDR provides limited monetization channels.
Competition context
Giants like PhonePe and Google Pay dominate ~80% of UPI volume; Paytm needs diversified revenue to stay competitive .
Ecosystem stress
Payments Council of India highlighted a ₹10,000 crore annual shortfall in UPI operational costs, with only ₹1,500 crore in govt backing—adding MDR could have lessened fee pressure .
What Lies Ahead?
Monetization route: With MDR off the table, expect Paytm to push for alternative revenue streams—expanding financial services, credit, subscriptions, or ad-based models.
Policy dynamics: Stay alert for any future policy updates—even reintroduction of incentives, or new mid-tier merchant fees.
Stock outlook: Analysts like UBS maintain a ‘Neutral’ stance, highlighting potential upside only if margins improve or cost burdens are eased.
Broader caution: As long as UPI remains MDR-free, fintech valuations will stay vulnerable to policy risk, especially ahead of Union Budgets or RBI signals.
Conclusion
The Finance Ministry’s denial of MDR rumors was a negative surprise for Paytm—turning optimism into a sell-off. While beneficial to UPI users and merchants, it raises earnings uncertainty for Paytm and peers. Investors should monitor how Paytm adapts—whether through new monetization models, cost efficiencies, or government engagement to bridge the funding gap.
GMP about ₹80–83 (13 %) above upper price band (~₹83 premium).
Other sources report GMP at ₹67–89 (11–15 %).
Boost since price-band announcement: GMP almost doubled to ₹85–90.
That implies a potential listing price of ₹680–697, assuming GMP persists.
Five Key Investment Insights
Strong Institutional Interest GMP strength signals appetite from anchor and retail investors.
Growth-Focused Capital Raising Over ₹90 crore allocated to capex; ₹273 crore for Oswal Solar; ₹280 crore for debt reduction.
Product & Market Positioning Core offerings: solar & grid submersible pumps, motors; strong presence in PM-KUSUM projects—26K+ systems installed.
Valuation Context Pre-IPO P/E ~62.5×; post-issue ~24.2×; comparables trade in similar P/E range.
Risk Factors Exposure to government scheme delays, dependence on subsidiary performance, aggressive pricing noted by analysts; recommended for medium-to-long-term investors .
Conclusion
Oswal Pumps IPO presents a robust growth thesis—solar pumps, debt reduction, capex funding—and investor enthusiasm is evident in GMP levels (11–15 %). Although fairly valued, the listing gain could reward risk-takers. Ideal for those aiming at medium to long-term returns.
In a major move on the Indian stock market, Reliance Industries Limited (RIL) has offloaded a significant stake in Asian Paints through a massive block deal, raising approximately ₹7,703 crore. This strategic divestment involved the sale of around 3.5 crore shares, or roughly 3.4% stake in the country’s largest paint manufacturer.
Deal Overview
Seller: Reliance Industries Ltd (via its subsidiary Reliance Industrial Investments and Holdings Ltd)
Buyer(s): Multiple institutional investors
Total Shares Sold: 3.5 crore
Value of Block Deal: ₹7,703 crore
Average Selling Price: Around ₹2,201 per share, slightly below the previous closing price
Background: Why Did Reliance Hold Asian Paints Shares?
The stake in Asian Paints came into Reliance’s portfolio after it acquired a portion of the estate of Sudarshan Chemical Industries’ founder Ashwin Dani, a co-promoter of Asian Paints, who passed away in September 2023. The shares were inherited or acquired through investment holding structures.
While the stakeholding was not strategic to Reliance’s core business operations, its liquidation helps RIL unlock capital that can be diverted into its primary growth sectors — telecom (Jio), retail, green energy, and petrochemicals.
Market Reaction
The news triggered mixed sentiments in the market:
Asian Paints stock dipped slightly intraday, reacting to the large supply of shares hitting the market.
However, analysts believe that the long-term fundamentals of Asian Paints remain intact.
Reliance stock remained stable as the sale signals healthy capital reallocation rather than distress.
What This Means
This deal is a classic example of India Inc’s shift towards portfolio optimization and capital efficiency. With Reliance ramping up its green hydrogen projects, expanding Jio’s digital infrastructure, and strengthening its retail footprint, such fund mobilization adds agility to its investment roadmap.
Moreover, the deal reflects continued institutional confidence in Asian Paints, with marquee buyers participating in the transaction, suggesting bullishness on India’s consumption-driven growth story.
Conclusion
Reliance Industries’ ₹7,703 crore block deal in Asian Paints is not just a financial transaction—it’s a strategic move in line with Mukesh Ambani’s broader vision to streamline Reliance’s empire for the next wave of growth. Investors will now be keenly watching how this capital is deployed in the group’s ambitious ventures.
What’s Selling? Reports surfaced around June 10, 2025, suggesting Diageo Plc, through its Indian arm United Spirits Ltd., is exploring options to sell part or all of its stake in the IPL’s Royal Challengers Bengaluru. Bloomberg and Mint value this potential divestment at up to $2 billion (≈ ₹17,000 crore).
Why ₹17,000 Crore?
RCB’s first-ever IPL title in 2025—after 18 years of near-misses—has heightened the franchise’s valuation.
Other IPL franchises, like LSG (₹7,090 crore) and Gujarat Titans (₹5,625 crore), traded significantly lower. The ₹17k cr estimate marks a massive increase in market expectations.
This would be IPL’s largest-ever team valuation—more than double the price of recent entrants.
Motives Behind a Possible Sale
Strategic Portfolio Rebalancing: Diageo aims to streamline operations, targeting $3 billion free cash flow by 2026 amid weakening global alcohol demand.
Advertising Environment: India’s increasing pressure to curb alcohol promotion—especially in sports—could diminish future returns from this ownership.
Official Rebuttals
United Spirits Ltd. called the reports “speculative,” clarifying no sale discussions are ongoing.
Diageo India sent an official statement to the BSE, affirming the rumour is “entirely speculative” and there is no plan to divest.
The Karnataka Deputy CM humorously dismissed acquisition rumours: “Why do I need RCB? I don’t even drink Royal Challenge”.
Market Ripples
Following the stake sale buzz, United Spirits’ share price climbed ~3–3.3%, rallying to a five-month high of ₹1,644 on June 10.
Investor sentiment is heating up around RCB’s blockbuster profile and soaring team value post-championship.
So, Is it Really Up for Sale?
Timeline: As of June 11, 2025, Diageo and USL maintain that discussions are untrue and no active sale plans exist.
Outlook: A potential sale could reshape IPL landscape but remains speculative. Stakeholders—Fans, investors, and corporate analysts—should closely monitor future filings from Diageo or United Spirits for concrete developments.
Conclusion
The ₹17,000 crore valuation talk has thrust RCB into the limelight—not just for its on-field success but also its commercial heft. While the valuation headline grabs attention, the key lies in confirmed action. For now, Diageo and USL have effectively shut down the speculation.
But if ever it happens, a sale at this scale could set a new benchmark for IPL franchises—and underscore how sports assets are evolving into major investments.
In a remarkable first since 2011, public sector banks (PSBs) in India have overtaken private sector banks (PVBs) in loan growth for the fiscal year 2024–25 (FY25). PSBs clocked a 13.1 % YoY increase in lending, compared to 9 % for private banks—a striking 4-percentage-point lead.
2. Breadth Across Loan Categories
This growth wasn’t isolated to one niche—it was a across-the-board performance. PSBs showed strength in:
Corporate lending (≈ 10 % growth vs. < 4 % at private banks),
Mortgages and auto loans,
Non-mortgage retail segments, with PSBs growing ~22 % in retail lending compared to ~12 % at private banks.
3. Massive Loan Base
PSBs already hold a more substantial market share, with ₹98.2 lakh crore in loans (52.3 % of the total), while private banks stand at ₹75.2 lakh crore (40 %).
4. Home Loan Resurgence
In FY25, PSBs made a significant comeback in mortgages—accounting for 56.5 % of fresh home loans, up from ~45 % the previous year. Private banks’ share dropped to 43.6 %.
5. Asset Quality & Profitability Boost
PSBs benefitted from better asset quality:
Gross NPAs dropped as slippages declined and write‑offs increased.
PSBs posted a 26 % profit growth in FY25, compared to 7 % for private banks—helping narrow the profitability divide.
6. Structural Advantages
PSBs leverage:
A higher proportion of MCLR-linked loans, allowing repricing flexibility,
A vast branch network and government-backed schemes,
Improved capital buffers and digitized processes .
7. Implications for Borrowers & Investors
For borrowers: More attractive loan options and competitive pricing, especially in rural, semi-urban, and retail segments. For investors: Private banks historically commanded premium multiples (e.g., ICICI P/B ~3.5 vs. SBI P/B ~1.5), but the narrowing growth gap may challenge that valuation premium .
8. Competitive Pushback
Private banks are aware of the PSBs’ renewed vigor:
ICICI acknowledged PSBs’ aggressive pricing in corporate and SME loans.
HDFC echoed similar concerns about rising competition.
However, private banks may outperform in margin management and agile repricing in the current rate cut environment.
The Road Ahead
FY26 Outlook: Analysts forecast credit growth around 12–13 %, driven by supportive RBI policies (repo rate cuts, liquidity measures)
Private banks’ advantage: Faster deposit repricing, higher-margin loan mix, and tech-enabled efficiency may help them regain market share.
PSB trajectory: Continued digital transformation, stronger governance, and further asset quality improvements could sustain their resurgence.
Conclusion
The FY25 surge in PSU bank lending marks a significant shift in India’s financial ecosystem. PSBs are rediscovering their historic strengths—leveraging network reach, backed by improved asset quality and capital support. This contest with private banks is evolving into a strategic, multi-dimensional battle spanning volumes, margins, service, and technology.
Borrowers are set to benefit from better choices and pricing. For investors, the narrative is now more nuanced—value vs. growth, efficiency vs. scale. Finally, the strength of India’s banking system will depend on both segments sustaining robust and prudent loan growth, backed by innovation and resilience.
