@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
MonePlan Awareness Series | Home Loan PSU Banks vs Private Banks
▪️PSU banks have more paperwork & are more selective but tend to offer lower rates. Vice versa for private sector banks.
▪️Do check the other costs & charges like processing fees. You have scope to negotiate there

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
MonePlan Awareness Series | Liability Insurance or Term Insurance @ time of Home Loan
▪️When you take a home loan, banks sell you 'liability' insurance.
▪️This is life insurance tied to the loan. Expensive, upfront (single premium) & commission-heavy.
▪️You can instead buy cheaper term insurance & 'assign it' to the bank.

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
MonePlan Awareness Series | Indian Equities that commenced in April following US President Trump’s 90-day tariff pause
▪️The rally in Indian equities that commenced in April following US President Trump’s 90-day tariff pause has been predominantly driven by foreign institutional investors (FII's), with minimal participation from mutual funds & retail investors, according to exchange data.
▪️Since April 11, when the rally began, retail & mutual fund investors have collectively sold equities worth over ₹ 16,000 crore even as FIIs, in sharp contrast, turned net buyers for the period, buying equities worth over ₹ 25,897 crore.

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | IDBI Bank Ltd.
✔️ NII Down 10.8% at ₹ 3,290.3 Cr Vs ₹ 3,688 Cr (YoY)
✔️ Net Profit Up 26% at ₹ 2,051.2 Cr Vs ₹ 1,628 Cr (YoY)
✔️ Gross NPA at 2.98% Vs 3.57% (QoQ)
✔️ Net NPA at 0.15% Vs 0.18% (QoQ)
✔️ Gross NPA at ₹ 6,695.2 Cr Vs ₹ 7,634.8 Cr (QoQ)
✔️ Net NPA at ₹ 337.3 Cr Vs ₹ 365.50 Cr (QoQ)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | CSB Bank Ltd.
✔️ NII Down 3.8% at ₹ 371.3 Cr Vs ₹ 386.1 Cr (YoY)
✔️ Net Profit Up 25.7% at ₹ 190.4 Cr Vs ₹ 151.5 Cr (YoY)
✔️ Net NPA at 0.52% Vs 0.64% (QoQ)
✔️ Gross NPA at 1.57% Vs 1.58% (QoQ)
✔️ Higher other income contributed to Bank's profitability during the quarter. Other income during the quarter surged to ₹ 381.5 Crore from ₹ 196.5 Crore during the same quarter last year.
✔️ Share of Gold loans stood at 44.3% at the end of the March quarter, compared to 45% in December & 42.3% last year.

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | Castrol India Ltd.
✔️ Revenue Up 7.3% at ₹ 1,422 Cr Vs ₹ 1,325 Cr (YoY)
✔️ Net Profit Up 8% at ₹ 234 Cr Vs ₹ 216 Cr (YoY)
✔️ EBITDA Up 4.7% at ₹ 308 Cr Vs ₹ 294 Cr (YoY)
✔️ Margin at 21.6% Vs 22.2% (YoY)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | Greenply Industries Ltd.
✔️ Revenue Up 8.2% at ₹ 649 Cr Vs ₹ 600 Cr (YoY)
✔️ Net Profit Down 41.6% at ₹ 17 Cr Vs ₹ 28 Cr (YoY)
✔️ EBITDA Up 18.2% at ₹ 68 Cr Vs ₹ 58 Cr (YoY)
✔️ Margin at 10.5% Vs 9.6% (YoY)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | Go Digit General Insurance Ltd.
✔️ Gross Written Premium Up 10.3% at ₹ 2,576 Cr Vs ₹ 2,336 Cr (YoY)
✔️ Net Profit at ₹ 116 Cr Vs ₹ 53 Cr (YoY)
✔️ AUM Up 24.8% at ₹ 19,703 Cr Vs ₹ 15,793.7 Cr (YoY)
✔️ Combined Ratio at 111.3% Vs 108.8% (YoY)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | Adani Total Gas Ltd.
✔️ Revenue Up 3.6% at ₹ 1,341 Cr Vs ₹ 1,295 Cr (QoQ)
✔️ Net Profit Up 8.5% at ₹ 155 Cr Vs ₹ 142 Cr (QoQ)
✔️ EBITDA Up 0.6% at ₹ 266.4 Cr Vs ₹ 265 Cr (QoQ)
✔️ Margin at 19.9% Vs 20.5% (QoQ)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | Nippon Life Asset Management Ltd.
✔️ Revenue Up 21.9% at ₹ 526.5 Cr Vs ₹ 431.8 Cr (YoY)
✔️ Net Profit Down 8.9% at ₹ 296 Cr Vs ₹ 325 Cr (YoY)
✔️ EBITDA Up 25.9% at ₹ 358.4 Cr Vs ₹ 284.6 Cr (YoY)
✔️ Margin At 68% Vs 65.9% (YoY)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | Firstsource Solutions Ltd.
✔️ Revenue Up 3.8% at ₹ 2,167.8 Cr Vs ₹ 2,087.8 Cr (QoQ)
✔️ Net Profit Up 0.3% at ₹ 160.7 Cr Vs ₹ 160.3 Cr (QoQ)
✔️ EBIT Up 13.6% at ₹ 248.5 Cr Vs ₹ 218.7 Cr (QoQ)
✔️ Margin at 11.5% Vs 10.5% (QoQ)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | AWL Agri Business Ltd. (Adani Wilmer)
✔️ Revenue Up 37.9% at ₹ 18,230 Cr V ₹ 13,223 Cr (YoY)
✔️ Net Profit Up 21% at ₹ 190 Cr Vs ₹ 157 Cr (YoY)
✔️ EBITDA Up 25.8% at ₹ 449 Cr Vs ₹ 357 Cr (YoY)
✔️ Margin At 2.5% Vs 2.7% (YoY)

@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q4FY25 Q4 Earnings/Results with MonePlan | KFin Technologies Ltd.
✔️ Revenue Up 23.8% at ₹ 282.7 Cr Vs ₹ 228.3 Cr (YoY)
✔️ Net Profit Up 14.3% at ₹ 85 Cr Vs ₹ 74.5 Cr (YoY)
✔️ EBITDA Up 16.9% at ₹ 122.2 Cr Vs ₹ 104.5 Cr (YoY)
✔️ Margin at 43.2% Vs 45.8% (YoY)
✔️ Recommends Final Dividend of ₹ 7.50 Per/Share

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
"Financial Morning Thought to Start the Fresh New Trading Day"

S𝗺𝗮𝗿𝘁 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗦𝘁𝗮𝗿𝘁𝘀 𝗡𝗼𝘄 – 𝗢𝗽𝗲𝗻 𝗬𝗼𝘂𝗿 𝗧𝗿𝗮𝗱𝗶𝗻𝗴 𝗔/𝗰 𝗧𝗼𝗱𝗮𝘆!
Dear All | Stock markets are moving up & showing signs of recovery—this is the perfect time to start your trading account & invest at lower valuations for long-term gains.

Don’t miss this opportunity to position yourself ahead of the uptrend. Let’s get started today!

Contact us now to open your account & make the most of the market recovery.

Best Regards,
𝗥𝗮𝗷𝗲𝘀𝗵 𝗡𝗮𝗶𝗿 @ 𝗠𝗼𝗻𝗲𝗣𝗹𝗮𝗻 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘆
𝗠𝗼𝗯. 𝟳𝟱𝟬𝟲𝟮𝟲𝟱𝟯𝟲𝟱 | 𝗘𝗠𝗮𝗶𝗹 𝗿𝗮𝗷𝗲𝘀𝗵𝗻𝗮𝗶𝗿𝟳𝟮@𝗴𝗺𝗮𝗶𝗹.𝗰𝗼𝗺

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
GIFT Nifty Morning Opening Updates | GIFT Nifty flat, indicates a muted start for the Indian market

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
FII's Vs DII's Daily Activity Track for 25th April 2025 | In Equities, FNO & Futures Segment
✔️ Foreign Investors extended their buying streak to a ninth straight session on Monday, April 28, purchasing Indian equities worth ₹ 2,474 crore.
✔️ With the latest inflow, FII's have now turned Net Buyers for April, reversing earlier heavy selling of nearly ₹ 35,000 Crore.
✔️ Domestic Institutional Investors (DII's) also remained positive, buying shares worth ₹ 2,817 Crore for the second consecutive session.

✔️ During the trading session of April 28, FII's bought shares worth ₹ 11,680 Crore & Sold shares worth ₹ 9,206 Crore. DII's Purchased shares worth ₹ 14,436 Crore & Sold shares worth ₹ 11,618 Crore.
✔️ For the year so far, FII's have been Net Sellers of shares worth ₹ 1.39 Lakh Crore, while DII's have Net Bought ₹ 2.03 Lakh Crore worth of shares.

@t.me/MonePlan : Morning Stock Markets & Investments Updates with MonePlan :
US Markets Closing Updates | 🔰 Positive Signals from Global Markets
🇺🇸 Dow rises 114 points, gains for 5th consecutive day
🇺🇸 GIFT Nifty flat near 24,450
🇺🇸 KDAO closes in green for 5th day
🇺🇸 Closes up nearly 350 points from day's low
🇺🇸 Nasdaq recovers 250 points from day's low, closes down 17 points
🇺🇸 S&P 500 closes flat, up 3 points

@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Asian Markets Morning Opening Updates | Asian markets trade Higher in Morning Trade.
▪️Asia-Pacific markets mostly rose Tuesday as investors waited to see the extent of the impact of U.S. President Donald Trump’s tariffs on corporate earnings & economic data expected from Wall Street this week.
▪️Market watchers were also closely monitoring developments surrounding trade deal negotiations between the U.S. & Countries in the region.
▪️Mainland China’s CSI 300 index fell 0.34% at the open while Hong Kong’s Hang Seng Index moved up 0.56%.
▪️Over in South Korea, the Kospi index increased by 0.57% while the Small-cap Kosdaq added 0.77%.
▪️Australia’s benchmark S&P/ASX 200 advanced 0.58%.
▪️Japanese markets were closed for a public holiday.

Nearly 50% of Chinese exporters plan to reduce U.S. exposure amid protracted trade war, survey shows
▪️Nearly half of Chinese exporters plan to reduce their exposure to the U.S., according to a survey by the China Council for the Promotion of International Trade (CCPIT), as prohibitive tariffs are expected to halt bilateral trade between the world’s two biggest economies.
▪️Out of the 1,100 exporters surveyed, about 75% planned to expand into emerging markets to fill the gap left by the lost U.S. orders, a CCPIT spokesperson said at a press conference Monday.

Malaysian ringgit, Australian and Taiwanese currencies strengthen to four-month high
▪️The Malaysian ringgit appreciated 0.62% against the U.S. dollar to 4.3330 as of 10.09 a.m. Singapore time on Tuesday, its highest level since Nov. 6 2024.
▪️The country’s Central Bank last held its overnight policy rate at 3% in its March policy meeting.
▪️Other emerging market currencies similarly strengthened, with the Australian & Taiwanese dollar also hitting their highest level since November 2024.
▪️The Australian dollar gained 0.22% against the U.S. dollar to 0.6442, while the Taiwanese dollar appreciated 0.4% against the dollar to 32.332.
▪️Meanwhile, the offshore Chinese yuan strengthened 0.12% against the dollar to 7.2751. The Indonesian rupiah appreciated 0.33% against the dollar to 16,795, while the Philippine peso gained 0.19% against the dollar to 56.274.
▪️Elsewhere in Asia, the Korean won & Singapore dollar depreciated marginally against the dollar.

@t.me/MonePlan : Stock Markets & Investments Updates with MonePlan :
U.S. Markets Closing Updates | S&P 500 ekes out slight gain with data, Megacap earnings eyed
🇺🇸 The S&P 500 closed a choppy session nearly unchanged on Monday, weighed down by megacaps as investors awaited several catalysts including key economic data & earnings from some of the largest U.S. Companies.
🇺🇸 The Dow Jones Industrial Average (.DJI) rose 114.09 points, or 0.28%, to 40,227.59, the S&P 500 (.SPX) gained 3.54 points, or 0.06%, to 5,528.75 & the Nasdaq Composite (.IXIC) lost 16.81 points, or 0.10%, to 17,366.13.
🇺🇸 The slight gain for the S&P 500 marked its fifth straight daily advance, its longest streak of gains since early November.
🇺🇸 Though first-quarter earnings from S&P 500 Companies are expected to climb 10.9% from a year ago, according to LSEG data, many firms have warned of the uncertainty caused by U.S. trade policy, with some cutting or completely pulling forecasts.
🇺🇸 Megacaps Nvidia (NVDA.O) , off 2.1% & Amazon (AMZN.O) , down 0.7%, were the primary drags on the benchmark S&P 500 index & also kept the Nasdaq in negative territory.

🇺🇸 Investors will also parse important economic data, including the personal consumption expenditures price index & a flurry of labor market data culminating in the monthly U.S. payrolls report on Friday.
🇺🇸 Trading was choppy after stocks opened firmer, with the S&P 500 & the Nasdaq briefly touching their highest levels since April 2, prior to Trump’s tariff announcement.
🇺🇸 Markets have stabilized somewhat in recent weeks on optimism over potential deals between the U.S. & its trading partners, especially China.
🇺🇸 However, a lack of clarity on Sino-U.S. negotiations has kept the market sensitive to any developments. The S&P 500 (.SPX) remains about 10% below its February record high as investors look for clues on the extent of any tariff damage.
🇺🇸 A majority of economists polled by Reuters said the risks of the global economy slipping into recession this year were high.