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  • Dar Credit and Capital IPO: A Comprehensive Overview

    Dar Credit and Capital Limited, a non-banking financial company (NBFC) specializing in providing credit solutions to underserved segments, has launched its Initial Public Offering (IPO) on the NSE SME platform. The IPO opened for subscription on May 21, 2025, and will close on May 23, 2025.

    IPO Details :

    • Issue Size: ₹25.66 crore
    • Price Band: ₹57 to ₹60 per share
    • Lot Size: 2,000 shares
    • Minimum Investment: ₹1,20,000
    • Issue Type: Book-built, 100% fresh issue
    • Listing Platform: NSE SME
    • Listing Date: May 28, 2025
    • Lead Manager: GYR Capital Advisors Pvt. Ltd.
    • Registrar: Kfin Technologies Ltd.
    • Market Maker: SMC Global Securities Ltd.

    Company Overview :

    Incorporated in 1994, Dar Credit and Capital Limited focuses on providing financial products such as personal loans, unsecured MSME loans, and secured MSME loans. The company primarily serves low-income individuals, including municipal workers, small shopkeepers, and women entrepreneurs. As of September 30, 2024, Dar Credit and Capital operated 35 branches across Rajasthan, Gujarat, West Bengal, Madhya Pradesh, Chhattisgarh, Bihar, and Jharkhand. The company utilizes digital processes, employing the Vijay software by Qbent Technologies for efficient loan management.

    Financial Performance

    • Revenue:
      • FY23: ₹25.57 crore
      • FY24: ₹33.01 crore
    • Profit After Tax (PAT):
      • FY23: ₹2.72 crore
      • FY24: ₹3.68 crore
    • Net Worth:
      • FY23: ₹62.15 crore
      • FY24: ₹65.34 crore
    • Return on Net Worth (RoNW): 6.08%
    • Debt-to-Equity Ratio: 2.51

    Subscription Status :

    As of Day 2 (May 22, 2025), the IPO has been oversubscribed 9.74 times, reflecting strong investor interest. The breakdown is as follows:

    • Qualified Institutional Buyers (QIBs): 1.65 times
    • Non-Institutional Investors (NIIs): 7.59 times
    • Retail Individual Investors (RIIs): 15.24 times

    Grey Market Premium (GMP)

    The Grey Market Premium for Dar Credit and Capital’s IPO stands at ₹16 as of May 22, 2025. This suggests a potential listing price of ₹76 per share, indicating a 26.67% premium over the upper end of the price band.

    Important Dates

    • IPO Open Date: May 21, 2025
    • IPO Close Date: May 23, 2025
    • Basis of Allotment: May 26, 2025
    • Initiation of Refunds: May 27, 2025
    • Credit of Shares to Demat: May 27, 2025
    • Listing Date: May 28, 2025B

    Use of Proceeds

    The net proceeds from the IPO will be utilized for the following purposes:

    • Augmenting the capital base of the company: ₹22 crore (85.74%)
    • General corporate purposes: ₹3.66 crore (14.26%

    Peer Comparison :

    CompanyP/E RatioRoNW (%)Net Worth (₹ Cr.)
    Dar Credit and Capital Ltd.16.296.0866.35
    Spandana Sphoorty Financial3.9413.743645
    Muthoot Microfin Ltd.4.8216.032804

    Conclusion :

    Dar Credit and Capital’s IPO has garnered significant attention, evident from its substantial oversubscription and a notable Grey Market Premium. The company’s focus on serving underserved segments, coupled with its consistent financial performance, makes it an attractive proposition for investors looking to tap into the growing NBFC sector in India.

    Note: Investors are advised to consider their investment objectives and consult financial advisors before making investment decisions.

  • How to Start a Coal Delivery Business: A Step-by-Step Guide 2025

    The coal delivery business is a profitable niche in regions where coal is still widely used for industrial, agricultural, and domestic purposes. Whether supplying to factories, brick kilns, or rural households, this business has consistent demand. Here’s a comprehensive guide to help you start your own coal delivery business in India or elsewhere.

    1. Understand the Coal Market

    Before starting, it’s important to understand:

    • Who uses coal: Industries (like steel, cement, brick kilns), thermal power plants, and rural households.
    • Types of coal: Bituminous, lignite, anthracite, etc.
    • Source of supply: Mines, government auctions (Coal India Ltd), or importers.

    2. Create a Business Plan

    A good business plan should include:

    • Target market (industries, homes, hotels, etc.)
    • Initial investment estimate
    • Logistics & delivery plan
    • Profit margin and ROI estimates
    • Licensing & compliance needs

    3. Register Your Business

    Apply for:

    • GST Registration
    • Trade License
    • Pollution NOC (if needed)
    • Transport license (for trucks)

    4. Source Reliable Coal Suppliers

    You can source coal from:

    • Coal India subsidiaries
    • Local mines (if permitted)
    • Authorized coal importers
    • Auction platforms

    Build strong relationships to ensure uninterrupted supply and good rates.

    5. Set Up Logistics for Delivery

    You’ll need:

    • 1 to 3 trucks (depending on size)
    • Loading & weighing equipment
    • Trained drivers & loaders

    Tip: Start with rented trucks to reduce initial cost.

    6. Investment Required

    Here’s a rough estimate (in INR):

    ItemCost (Approx)
    Business Registration₹10,000 – ₹30,000
    Working Capital for Coal₹2 – 5 Lakhs
    Transport (1 Truck or Rental)₹5 – 10 Lakhs
    Labor & Staff Setup₹1 – 2 Lakhs
    Misc. (License, Marketing)₹50,000+
    Total₹8 – 18 Lakhs

    7. Expected ROI & Monthly Income

    MetricsEstimate Range
    Monthly Revenue₹2 – 10 Lakhs
    Monthly Profit Margin15% – 25%
    Break-even Period6 – 12 months
    Net Monthly Income (avg)₹40,000 – ₹2 Lakhs

    Profit depends on bulk deals, delivery radius, and overhead control.

    8. Market Your Business

    • Create a website with order enquiry form
    • Google Business listing
    • Partner with local factories, shops, and hotels
    • WhatsApp and SMS promotions for rural customers
    • Offer timely delivery and credit-based billing to build trust

    9. Stay Compliant

    • File GST regularly
    • Maintain coal transport & sale records
    • Adhere to state mining and pollution norms
    • Renew transport permits and pollution NOC

    Conclusion :

    Starting a coal delivery business can be a steady source of income if you manage sourcing, delivery, and compliance well. With proper planning and consistency, you can grow from a local supplier to a regional distributor.

    DISCLAIMER: This Blog is for informational purposes only and should not be construed as investment advice. Please invest based on your risk profile

  • Borana Weaves IPO : A Comprehensive Overview

    सूरत स्थित synthetic textile manufacturer Borana Weaves ने 67.08 लाख इक्विटी शेयरों के नए निर्गम के माध्यम से ₹144.89 करोड़ जुटाने के लिए अपना आरंभिक सार्वजनिक निर्गम (IPO) लॉन्च किया है। IPO 20 मई, 2025 को सब्सक्रिप्शन के लिए खुला है और 22 मई, 2025 को बंद होगा।

    IPO Details :

    1. Issue Size: ₹144.89 crore
    2. Price Band: ₹205 – ₹216 per share
    3. Lot Size: 69 shares
    4. Minimum Investment: ₹14,904
    5. Issue Type: 100% Fresh Issue
    6. Listing Date: May 27, 2025
    7. Listing Exchanges: BSE and NSE
    8. Lead Manager: Beeline Capital Advisors
    9. Registrar: KFin Technologies

    Subscription Status (दिन 1)

    आईपीओ में पहले दिन ही जबरदस्त मांग देखी गई, कुल मिलाकर 8.54 गुना सब्सक्रिप्शन हुआ। खुदरा निवेशक वर्ग में 25 गुना अधिक सब्सक्रिप्शन हुआ, उसके बाद गैर-संस्थागत निवेशकों में 11.55 गुना और योग्य संस्थागत खरीदारों में 1.55 गुना सब्सक्रिप्शन हुआ।

    Grey Market Premium (GMP)

    20 मई, 2025 तक, बोराना वीव्स आईपीओ के लिए ग्रे मार्केट प्रीमियम ₹60 प्रति शेयर था, जो ₹276 की संभावित लिस्टिंग कीमत दर्शाता है, जो मूल्य बैंड के ऊपरी छोर से लगभग 27.78% अधिक है।

    Company Overview :

    बोराना वीव्स सिंथेटिक टेक्सटाइल, मुख्य रूप से ग्रे फैब्रिक के निर्माण में माहिर है। कंपनी आईपीओ से प्राप्त राशि का उपयोग सूरत, गुजरात में एक नई विनिर्माण सुविधा स्थापित करने, उत्पादन क्षमता का विस्तार करने, अतिरिक्त कार्यशील पूंजी आवश्यकताओं को पूरा करने और सामान्य कॉर्पोरेट उद्देश्यों के लिए करने की योजना बना रही है।

    Important Dates :

    • IPO Open Date: May 20, 2025
    • IPO Close Date: May 22, 2025
    • Basis of Allotment: May 23, 2025
    • Initiation of Refunds: May 26, 2025
    • Credit of Shares to Demat: May 26, 2025
    • Listing Date: May 27, 2025

    निष्कर्ष :

    बोराना वीव्स के आईपीओ ने निवेशकों का काफी ध्यान आकर्षित किया है, जो इसकी मजबूत सदस्यता संख्या और स्वस्थ ग्रे मार्केट प्रीमियम से स्पष्ट है। कंपनी का अपनी विनिर्माण क्षमताओं के विस्तार पर ध्यान केंद्रित करना और सकारात्मक बाजार भावना विकास की संभावना का संकेत देती है। हालांकि, निवेशकों को अपने निवेश उद्देश्यों पर विचार करना चाहिए और निवेश निर्णय लेने से पहले वित्तीय सलाहकारों से परामर्श करना चाहिए।

    Disclaimer: This blog is for informational purposes only and does not constitute investment advice. Investors should conduct their own research or consult with a financial advisor before making investment decisions.

  • How to Get Blinkit Franchise in India 2025

    If you are considering venturing into the quick-commerce industry, partnering with Blinkit, India’s leading instant delivery platform, could be a lucrative opportunity. This guide provides a comprehensive overview of the investment requirements, potential returns, operational responsibilities, and application process for becoming a Blinkit franchise partner.

    Investment Breakdown :

    1. Initial Investment

    • Total Investment: ₹10 lakhs to ₹25 lakhs
    • Franchise Fee: ₹2 lakhs to ₹5 lakhs (one-time)
    • Infrastructure Setup: ₹5 lakhs to ₹15 lakhs (includes shelving, storage, cooling systems, and branding)
    • Working Capital: ₹3 lakhs to ₹5 lakhs (for salaries, utilities, and inventory replenishment)

    Note: The exact investment varies based on location, store size, and local real estate costs.

    2. Royalty and Commission

    • Royalty Fee: 5% to 10% of monthly sales
    • Commission: Earnings are calculated based on monthly turnover, with payments made on a defined billing cycle.

    Earnings and ROI :

    1. Monthly Revenue and Profit

    • Gross Monthly Revenue: ₹5 lakhs to ₹15 lakhs
    • Net Profit Margin: 15% to 25%
    • Estimated Monthly Profit: ₹75,000 to ₹3 lakhs

    Profitability depends on factors like location, order volume, and operational efficiency.

    2. Return on Investment (ROI)

    • Break-even Period: 18 to 24 months
    • Annual ROI: Up to 30%

    Efficient management and strategic location selection can lead to quicker ROI.

    Eligibility and Requirements :

    1. Property Specifications

    • Size: Minimum 2,000 to 4,000 sq. ft.
    • Type: Commercial property in a high-demand area
    • Lease Agreement: Proof of lawful rights to the property

    2. Documentation

    • Identity Proof: Aadhar card, PAN card, or passport
    • Business Registration: Partnership deed or company registration certificate
    • Tax Registration: GST certificate
    • Financial Statements: Bank statements to demonstrate investment capability

    Proper documentation ensures a smooth application and onboarding process.

    Operational Responsibilities :

    As a Blinkit franchise partner, your key duties include:

    • Inventory Management: Receiving, stocking, and organizing products
    • Order Fulfillment: Picking, packing, and billing orders
    • Coordination: Handing over packed orders to Blinkit’s delivery partners
    • Staff Management: Hiring and supervising store personnel

    How to Apply :

    To become a Blinkit franchise partner:

    1. Visit: Blinkit Franchise Application
    2. Fill Out the Form: Provide business details, location, and investment capacity
    3. Submit Documents: Upload required documents for verification
    4. Await Approval: Blinkit will evaluate your application based on location demand and operational feasibility
    5. Onboarding: If approved, you’ll receive training and support to set up operations

    Pros and Cons :

    Pros:

    • Association with a leading brand in quick-commerce
    • Comprehensive training and operational support
    • Potential for high returns in a growing industry

    Cons:

    • Significant initial investment required
    • Operational responsibilities demand full-time commitment
    • Profitability is highly dependent on location and efficiency

    Conclusion :

    Investing in a Blinkit franchise in India’s rapidly growing quick-commerce sector offers a promising opportunity. With the right location, efficient operations, and dedication, franchise partners can reap substantial profits. However, it is important to do thorough research and assess your readiness to meet the operational demands before moving ahead.

  • DIXON TECHNOLOGIES Q4 RESULTS: Riding High on Mobile Manufacturing Boom

    Dixon Technologies (India) Ltd., a leading player in India’s Electronics Manufacturing Services (EMS) sector, has announced its Q4 FY24 results, showing robust revenue growth, sharp rise in net profit and strong progress from the Mobile & EMS division. As India focuses on becoming a global manufacturing hub, Dixon continues to be at the forefront of this transformation.

    Key Financial Highlights – Q4 FY24 (YoY )

    1. Revenue from Operations: ₹4,657.97 crore
    (Up 52% from ₹3,065.45 crore in Q4 FY23)

    2. Net Profit (PAT): ₹97.3 crore
    (Up 20.6% from ₹80.62 crore in Q4 FY23)

    3. EBITDA: ₹199 crore
    (Up 26% YoY)

    4. EBITDA Margin: 4.3%
    (Down from 5.2% in Q4 FY23)

    5. EPS: ₹16.31
    (Compared to ₹13.57 last year)

    Segment-Wise Performance :

    1. Mobile & EMS

    • Revenue: ₹3,091 crore
    • Growth: 119% YoY
    • Contribution: Over 66% of total revenue
    • Comment: Massive boost driven by larger volumes and strengthened partnerships with global smartphone brands.

    2. Consumer Electronics (TVs)

    • Revenue: ₹897 crore
    • Growth: -9% YoY
    • Comment: A decline due to weak demand and market saturation in the television segment.

    3. Lighting Products

    • Revenue: ₹197 crore
    • Growth: -27% YoY
    • Comment: A drop due to price competitiveness and reduced institutional orders.

    4. Home Appliances (Washing Machines)

    • Revenue: ₹294 crore
    • Growth: +5% YoY
    • Comment: Stable growth fueled by seasonal demand and OEM expansions.

    5. Security Systems

    • Revenue: ₹179 crore
    • Growth: +44% YoY
    • Comment: Rapid growth due to increasing demand for surveillance and smart home solutions.

    Strategic Highlights :

    1. PLI Scheme Participation: Dixon remains one of the key beneficiaries of India’s Production Linked Incentive schemes for mobile and IT hardware manufacturing.

    2. Export Growth Strategy: Plans are underway to increase exports, especially to Asia and Africa, leveraging India’s growing status as a trusted manufacturing alternative to China.

    3. Expansion & CapEx: The company has been investing in automation and setting up new manufacturing units to meet rising demand, especially in wearables and LED lighting.

    Dividend Announcement :

    • Final Dividend Declared: ₹5 per share

    Looking Ahead: FY 2025–2026 Outlook

    With electronics manufacturing gaining national priority, Dixon Technologies is in a sweet spot to:

    • Lead India’s EMS exports
    • Expand its client base in mobile, wearables, and appliances
    • Improve operational efficiencies via automation and supply chain optimization

    However, margin restoration and diversifying segment contributions will be critical themes for Dixon in the coming quarters.

    Conclusion :

    Dixon Technologies’ Q4 FY25 results cement its position as India’s leading EMS brand, particularly in mobile manufacturing. While some legacy verticals face headwinds, the company’s forward-looking investments in exports, wearables, and capacity scaling put it on a strong path for sustained growth.

    For long-term investors and policy watchers alike, Dixon remains a bellwether for India’s electronic manufacturing ambitions.

    DISCLAIMER: This Blog is for informational purposes only and should not be construed as investment advice. Please invest based on your risk profile

  • Indian Oil’s Big Shift: Why Data Is the New Oil

    The Switch Off: Indian Oil from Oil to Data

    In the age of digital transformation, data is no longer just a byproduct of operations – it is operations itself. Across the world, companies are shifting gears, moving from traditional resource-based economies to a data-centric model. India is also witnessing this evolution, with even oil giants like Indian Oil Corporation Limited (IOCL) moving into the digital realm. The symbolic “switch off” from oil to data does not signal a departure from hydrocarbons, but a redirection towards intelligence-driven operations, sustainability, and long-term competitiveness.

    From Fuel Tanks to Data Banks :

    Indian Oil, the country’s largest fuel retailer and refiner, has historically been synonymous with petrol pumps, pipelines and crude oil imports. But in recent years, IOCL has embarked on a quiet but powerful transformation – one based on digital strategy, IoT integration and AI deployment. The fuel business is no longer just about barrels and pipelines; it’s about predictive analytics, digital twins, real-time monitoring and consumer behaviour modelling.

    Why the Switch?

    1. Digital Disruption: The global oil and gas industry is under pressure to become lean, green and smart. Data enables real-time information, process optimization and better asset utilization.

    2. Decarbonization: As India pushes for net-zero emissions by 2070, data becomes a key tool in tracking, managing and reducing carbon footprint. Smart refineries and energy-efficient supply chains require deep data integration.

    3. Consumer-centric services: With the rise of EVs, clean fuels and digital wallets, consumers expect seamless, tech-enabled experiences. Indian Oil is investing in mobile apps, loyalty programs and location-based services – all driven entirely by data.

    4. Operational efficiency: Sensors in pipelines, smart meters at fuel stations and AI-driven demand forecasting have the potential to reduce losses, improve uptime and cut costs significantly.

    Key Data Initiatives at Indian Oil :

    1. Project ePIC (Enterprise Process Integration and Collaboration): An integrated ERP system that aims to streamline operations and integrate data across business areas.

    2. AI and ML for Predictive Maintenance: Leveraging machine learning to predict equipment failures and reduce downtime in refineries.

    3. Customer Data Platform (CDP): Enhancing personalized marketing and loyalty programs using customer purchase data and behavioral analytics.

    4. Blockchain for Supply Chain Transparency: Pilot for secure, tamper-proof tracking of petroleum products across the value chain.

    The Future: Data as the New Oil

    In many ways, Indian Oil’s transformation reflects a broader truth: data is the new oil, but with some key differences. Unlike fossil fuels, data doesn’t expire; the more it is refined, combined and analysed, the more its value grows.

    IOCL’s journey is not about giving up oil, but about future-proofing its business. In a world rapidly moving towards renewable energy, electric mobility and smart grids, those who control data will control the energy flow.

    Conclusion :

    Switching off from oil to data is not a shutdown, but a reboot. It marks the beginning of a smarter, cleaner and more agile energy ecosystem. Indian Oil’s adoption of data signals that India’s largest energy company is not stuck in the past, but is actively building the infrastructure for a digital energy future.

    This transformation is not only necessary; it is inevitable. And Indian Oil is leading the way.

  • Why KPI Green Energy Is Among the Hottest Renewable Stocks Right Now

    The stock market witnessed a stir on [insert date] as KPI Green Energy Ltd locked its upper circuit limit, attracting the attention of retail and institutional investors alike. The move not only highlighted the growing interest of investors but also brought focus on India’s growing renewable energy sector.

    What’s Behind KPI Green Energy’s Rally?

    1. Strong Financial Performance :
      KPI Green Energy has recently reported strong quarterly results, showing growth in both revenue and net profit. Their growing solar power portfolio and efficient project execution have added to investor enthusiasm.
    2. Favourable Government Policies :
      With India’s commitment to achieving 500 GW of non-fossil fuel capacity by 2030, companies like KPI Green Energy are likely to benefit greatly. The government’s production-linked incentive (PLI) scheme and favourable tariff policies are also favourable.
    3. Order Wins and Expansion Plans :
      News about new order inflows, strategic alliances or plans to expand solar/wind hybrid capacity can significantly boost investor confidence. KPI Green Energy has been proactive in growing its independent power producer (IPP) model and executing captive power projects for customers.
    4. Broader Market Sentiment :
      ESG. The renewable energy sector is witnessing a wave of investment globally due to the rise of (environmental, social and governance) investment trends. Domestic and foreign funds are increasingly allocating capital to green energy companies.

    Should You Invest?

    Although hitting an upper circuit indicates strong momentum, investors should be cautious and not make decisions based solely on price movements. It is important to:

    1. Analyze the company’s fundamentals.

    2. Consider long-term industry trends.

    3. Evaluate valuation metrics (such as P/E ratio, debt levels).

    4. Be aware of volatility in mid-cap and small-cap stocks.

    Conclusion :

    KPI Green Energy stock hitting an upper circuit is a testament to the market’s growing confidence in clean energy businesses. As India accelerates its green energy transition, companies like KPI are likely to play a key role. However, investors are advised to do their due diligence before riding the wave.

    Disclaimer: This blog is for informational purposes only and is not financial advice. Please consult your financial advisor before making an investment decision.

  • Bisleri Franchise Cost in 2025: Complete Investment & Profit Breakdown

    यदि आप आकर्षक पैकेज्ड ड्रिंकिंग वाटर इंडस्ट्री में प्रवेश करने की योजना बना रहे हैं, तो भारत के सबसे भरोसेमंद बोतलबंद पानी ब्रांड बिसलेरी का निर्माता या फ्रैंचाइज़ी पार्टनर बनना एक आशाजनक विकल्प है। इस ब्लॉग में, हम आपको बिसलेरी मैन्युफैक्चरिंग यूनिट स्थापित करने के चरणों, आवश्यक निवेश, अपेक्षित ROI, मासिक आय और कंपनी से संपर्क करने के तरीके के बारे में बताएंगे।

    बिसलेरी के बिजनेस मॉडल को समझना :

    बिसलेरी उद्यमियों को साझेदारी करने के दो मुख्य तरीके प्रदान करता है:

    1. Franchise Model: आप बिसलेरी के ब्रांड के तहत एक विनिर्माण/पैकेजिंग प्लांट स्थापित करते हैं और संचालित करते हैं, उनकी गुणवत्ता और परिचालन मानकों का पालन करते हैं।

    2. Distributorship: आप एक विशिष्ट क्षेत्र में वितरण भागीदार के रूप में कार्य करते हैं।

    यह ब्लॉग manufacturing franchise model पर केंद्रित है।

    बिसलेरी मैन्युफैक्चरिंग फ्रैंचाइज़ कैसे प्राप्त करें :

    1. बिसलेरी की आधिकारिक वेबसाइट पर आवेदन करें:
    https://www.bisleri.com पर जाएँ और “फ़्रैंचाइज़ी/व्यवसाय पूछताछ” अनुभाग पर जाएँ।

    2.आवश्यक विवरण सबमिट करें:
    अपना स्थान, निवेश क्षमता, मौजूदा सेटअप (यदि कोई हो) और व्यावसायिक पृष्ठभूमि जैसी जानकारी प्रदान करें।

    3. मूल्यांकन और साइट विज़िट:
    बिसलेरी की टीम आपके आवेदन का मूल्यांकन करेगी और व्यवहार्यता का मूल्यांकन करने के लिए साइट विज़िट कर सकती है।

    4. अनुबंध पर हस्ताक्षर:
    यदि चयनित होते हैं, तो आप एक औपचारिक फ़्रैंचाइज़ी अनुबंध में प्रवेश करेंगे।

    निवेश और सेटअप लागत :

    Cost HeadEstimated Cost (INR)
    Land & Building (owned/leased)20–50 Lakhs
    Machinery & Equipment25–40 Lakhs
    Licensing & Government Approvals2–5 Lakhs
    Raw Material & Initial Stock5–10 Lakhs
    Branding, Furniture & Interiors2–3 Lakhs
    Total Estimated Setup Cost55 Lakhs to 1.1 Crore

    नोट: लागत स्थान, क्षमता (जैसे, 1000 LPH, 2000 LPH) और संयंत्र के आकार के आधार पर भिन्न हो सकती है।

    मासिक कमाई की संभावना :

    मासिक आय उत्पादन क्षमता और मांग पर निर्भर करती है। लगभग 5,000 से 10,000 लीटर/दिन का उत्पादन करने वाले एक सामान्य संयंत्र से निम्न की अपेक्षा की जा सकती है:

    1. Gross Revenue : ₹5–15 लाख/माह (अनुबंधों और स्थानीय मांग के आधार पर)

    2. Net Profit : व्यय (श्रम, बिजली, रखरखाव, आदि) के बाद ₹1.5–4 लाख/माह

    उच्च मांग वाले शहरी क्षेत्र और संस्थागत अनुबंध आय में उल्लेखनीय वृद्धि कर सकते हैं।

    ROI (निवेश पर वापसी) :

    1. Breakeven समय: 1.5 से 3 वर्ष

    2. वार्षिक ROI: 25-40%, दक्षता और स्थानीय मांग पर निर्भर करता है

    3. लाभप्रदता के लिए निरंतर गुणवत्ता, मजबूत वितरण और लागत नियंत्रण जैसे कारक महत्वपूर्ण हैं।

    Licensing and Approvals Required :

    • FSSAI License
    • BIS Certification (IS:14543)
    • Pollution Control Board Approval
    • Local Trade License
    • Water Testing Reports
    • GST Registration

    बिसलेरी अक्सर भागीदारों को अनुपालन आवश्यकताओं को समझने में सहायता करती है.

    फ्रैंचाइज़ के लिए बिसलेरी से कैसे संपर्क करें :

    1.आधिकारिक वेबसाइट: https://www.bisleri.com

    2. फ्रैंचाइज़ पूछताछ फ़ॉर्म: https://www.bisleri.com/franchise

    3. ग्राहक सेवा: 1800 121 1007

    4. ईमेल: info@bisleri.co.in

    सुझाव: त्वरित समन्वय के लिए क्षेत्रीय कार्यालयों या बिक्री प्रबंधकों से संपर्क करें।

    निष्कर्ष :

    यदि आप एक अच्छा निवेश करने और उच्च गुणवत्ता वाले उत्पादन मानकों का पालन करने के लिए तैयार हैं, तो बिसलेरी मैन्युफैक्चरिंग पार्टनर बनना एक फायदेमंद व्यवसाय हो सकता है। स्वच्छ पेयजल की बढ़ती मांग और बिसलेरी के ब्रांड मूल्य के साथ, यह उद्यम दीर्घकालिक विकास और लाभप्रदता के लिए मजबूत क्षमता प्रदान करता है।

    DISCLAIMER: This Blog is for informational purposes only and should not be construed as investment advice. Please invest based on your risk profile

  • Top 4 Banks for Car Loans in India 2025 – Ranked by Lowest Interest Rates

    If you’re planning to purchase a car in India and are seeking the best bank for a car loan with low interest rates, it’s essential to compare the offerings of various banks. As of May 2025, several banks provide competitive interest rates, flexible repayment options, and additional benefits. Here are four banks that stand out for their car loan offerings:

    1. Canara Bank

    • Interest Rate: Starting from 8.45% p.a.
    • EMI per ₹1 Lakh (7 years): Approximately ₹1,581
    • Processing Fee: 0.25% of the loan amount (₹1,000 – ₹5,000)
    • Special Offers: Processing fees were waived during the Retail Loan Festival from January 1 to March 31, 2025 .

    2. Bank of India (BOI)

    • Interest Rate: Starting from 8.75% p.a.
    • Loan Tenure: Up to 7 years
    • Loan Amount: Up to 90% of the on-road price
    • Processing Fee: Up to 0.25% of the loan amount (₹2,500 – ₹10,000)
    • Special Features:
      • Competitive interest rates for both new and used cars.
      • 50% concession in processing fee for electric vehicle loans.
    • EMI Example: For a loan of ₹1 lakh over 7 years, EMI starts at approximately ₹1,596.

    3. Union Bank of India

    • Interest Rate: Starting from 8.45% p.a.
    • EMI per ₹1 Lakh (7 years): Approximately ₹1,581
    • Processing Fee: Up to ₹1,000
    • Features: Offers competitive rates with flexible repayment options

    4. Bank of Baroda (BoB)

    • Interest Rate: Fixed: 8.80% p.a. onwards; Floating: 9.15% p.a. onwards
    • EMI per ₹1 Lakh (7 years): Approximately ₹1,611 (fixed)
    • Processing Fee: Up to ₹750
    • Highlights:
      • Offers both fixed and floating rate options
      • Flexible repayment tenures
      • Special schemes for electric vehicles
    BankInterest Rate (p.a.)Loan TenureLoan AmountProcessing FeeEMI per ₹1 Lakh (7 years)
    Canara Bank8.45% onwardsUp to 7 yrsUp to 90% on-road0.25% of loan (₹1,000 – ₹5,000)₹1,581
    Bank of India8.75% onwardsUp to 7 yrsUp to 90% on-roadUp to 0.25% (₹2,500 – ₹10,000)₹1,596
    Union Bank of India8.45% onwardsUp to 7 yrsUp to 90% on-roadUp to ₹1,000₹1,581
    Bank of Baroda8.80% onwardsUp to 7 yrsUp to 90% on-roadUp to ₹750₹1,611

    Notes:

    • EMI values are approximate for a loan of ₹1 Lakh over 7 years.
    • Rates and charges may vary based on applicant profile, car model, and bank policies.
    • It’s advisable to check with the bank for the latest and personalized quotes.

    Comparison with other banks :

    BankInterest Rate (p.a.)Loan TenureLoan AmountProcessing FeeEMI per ₹1 Lakh (7 years)
    SBI9.10% onwardsUp to 7 yrsUp to 90% on-roadNIL₹1,614
    Bank of India8.75% onwardsUp to 7 yrsUp to 90% on-roadUp to 0.25% (₹2,500-₹10,000)₹1,596
    ICICI Bank9.10% onwardsUp to 7 yrsUp to 100% on-roadUp to 2% of loan amount₹1,614
    HDFC Bank9.20% onwardsUp to 7 yrsUp to 100% on-roadUp to 1% (₹3,500 – ₹9,000)₹1,629

    Disclaimer: The above information is for educational purposes only and should not be considered as investment advice. Please conduct your own research or consult a financial advisor before making investment decisions.

  • यदि आप प्रति माह ₹1 लाख कमा रहे हैं, तो 2025 मैं अपने खर्चों का प्रबंधन कैसे करें?

    कई भारतीयों के लिए हर महीने ₹1 लाख कमाना एक वित्तीय मील का पत्थर है – खास तौर पर युवा पेशेवर, उद्यमी और फ्रीलांसर। लेकिन उस आय स्तर तक पहुँचना केवल आधी लड़ाई है। असली खेल यह है कि आप इसे कितनी अच्छी तरह से प्रबंधित करते हैं।

    बिना किसी ठोस वित्तीय योजना के, आय के साथ-साथ खर्चों को बढ़ने देना आसान है – जिसे जीवनशैली मुद्रास्फीति कहा जाता है। अगर आप ₹1 लाख/माह कमा रहे हैं, तो अपने खर्चों को प्रबंधित करने, भविष्य के लिए बचत करने और फिर भी जीवन का आनंद लेने का एक स्मार्ट और टिकाऊ तरीका यहाँ बताया गया है।

    CategoryPercentageAmount (₹)
    Rent & Utilities25%25,000
    Food & Groceries10%10,000
    Transport & Fuel5%5,000
    Insurance & EMIs10%10,000
    Lifestyle (Dining, OTT, Shopping)10%10,000
    Savings & Investments40%40,000
    Total100%1,00,000

    स्पष्ट वित्तीय लक्ष्य निर्धारित करें ,खर्च करने से पहले, खुद से पूछें:

    1. क्या आप घर या कार के लिए बचत कर रहे हैं?

    2. क्या आप हर साल यात्रा करने की योजना बना रहे हैं?

    3. क्या आप आपातकालीन निधि बना रहे हैं?

    4. क्या आप जल्दी रिटायर होना चाहते हैं?

    सबसे पहले आपातकालीन निधि बनाएं :

    आपकी पहली वित्तीय प्राथमिकता 3-6 महीने के खर्च के बराबर एक आपातकालीन निधि बनाना होनी चाहिए (₹1 लाख/माह कमाने वाले के लिए ₹3-6 लाख)। इसे जल्द से जल्द प्राप्त करने के लिए इसे उच्च ब्याज बचत खाते या लिक्विड फंड में रखें।

    निवेश करें, सिर्फ बचत न करें :

    1. ₹10,000–₹15,000/माह का SIP (सिस्टमेटिक इन्वेस्टमेंट प्लान) शुरू करें

    2. इक्विटी और डेट म्यूचुअल फंड के मिश्रण में निवेश करें

    3. दीर्घकालिक कर-बचत लक्ष्यों के लिए PPF, NPS या ELSS का उपयोग करें

    4. केवल तभी प्रत्यक्ष स्टॉक या REIT पर विचार करें जब आप जोखिम को समझते हों

    5. या अचल संपत्ति में निवेश करें

    अपनी पसंद के अनुसार निम्नलिखित में निवेश करें

    जीवनशैली के जाल से बचें :

    1. लग्जरी गैजेट का इस्तेमाल ना करें

    2. अक्सर बाहर खाना ना खाएं

    3. क्रेडिट कार्ड लोन ना लें

    4. किराए पर लग्जरी फ्लैट में ना रहें

    गरीब होने की कीमत पर “अमीर दिखने” की इच्छा का विरोध करें। इसके बजाय, समझदारी से खर्च करें। कभी-कभार खर्च करें, लेकिन होशपूर्वक।

    हर महीने अपने खर्च पर नज़र रखें :

    1. एक्सेल/गूगल शीट

    2. बजट ऐप

    3. क्रेडिट कार्ड स्टेटमेंट

    बीमा को नज़रअंदाज़ न करें :

    1. Term insurance (₹1 Cr cover)

    2. Health insurance (₹5–10 lakh cover even if you have corporate insurance

    बीमा कोई खर्च नहीं है – यह आपकी संपत्ति की सुरक्षा है।

    Plan for Taxes :

    अगर आप वेतनभोगी हैं, तो आपका नियोक्ता TDS का प्रबंधन कर सकता है। लेकिन फ्रीलांसरों या व्यवसाय मालिकों के लिए, आयकर के लिए मासिक 10-15% अलग रखें। क्लियरटैक्स जैसे टूल का उपयोग करें या योजना बनाने के लिए CA से सलाह लें।

    80C, 80D और अन्य कर-बचत उपकरणों में निवेश करें।

    खुद को पुरस्कृत करें, लेकिन समझदारी से :

    1. मासिक: ₹5,000–₹10,000 मनोरंजन बजट

    2. वार्षिक: छुट्टी या नया निवेश

    निष्कर्ष :

    हर महीने ₹1 लाख कमाने से आपकी वित्तीय स्थिति मजबूत होती है। लेकिन सच्ची सफलता उस आय को समझदारी से प्रबंधित करने में निहित है। धन अर्जित करें, देनदारियों को कम करें और ऐसी जीवनशैली अपनाएँ जो आराम और आज़ादी दोनों दे – दबाव नहीं।

    याद रखें: यह मायने नहीं रखता कि आप कितना कमाते हैं। यह मायने रखता है कि आप कितना खर्च करते हैं, बचत करते हैं और उसे बढ़ाते हैं।