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Hindustan Coca-Cola Beverages is the largest bottler of Coca-Cola products in India, managing a portfolio of 37 products across eight categories, including soft drinks, juices, and energy drinks. 

Coca-Cola Sells 40% Stake in Indian Bottling Arm to Jubilant Bhartia Group in Strategic Shift

Hindustan Coca-Cola Beverages is the largest bottler of Coca-Cola products in India, managing a portfolio of 37 products across eight categories, including soft drinks, juices, and energy drinks.

In a major development within India&rsquo;s beverage sector, Coca-Cola has sold a 40% stake in its Indian bottling arm, Hindustan Coca-Cola Beverages Pvt Ltd (HCCBL), to the Jubilant Bhartia Group for approximately ₹12,500 crore. This deal marks a significant step in Coca-Cola&rsquo;s ongoing efforts to adapt to changing market dynamics and reduce its exposure in bottling operations globally, adopting an asset-light business strategy.
Strategic Shift in Coca-Cola&rsquo;s India Operations
The transaction was formalized through an agreement between Coca-Cola and the Jubilant Bhartia Group, a diversified conglomerate with a global presence spanning multiple sectors. The move positions the Bhartia family as a key player in India&rsquo;s rapidly expanding beverage market, where Coca-Cola&rsquo;s bottling arm has a dominant position.
Hindustan Coca-Cola Beverages is the largest bottler of Coca-Cola products in India, managing a portfolio of 37 products across eight categories, including soft drinks, juices, and energy drinks. The company has been a major revenue generator for Coca-Cola India, and its strategic importance is underscored by the fact that India is Coca-Cola&rsquo;s fifth-largest global market by volume.
According to a joint statement from Coca-Cola, the investment reflects the company&rsquo;s goal to &ldquo;refresh the world and make a difference,&rdquo; with the Bhartia family&rsquo;s experience and expertise expected to drive further growth in India. The move is part of Coca-Cola's broader strategy of transitioning towards an asset-light model, similar to that of rival PepsiCo, which has shifted its bottling operations to Varun Beverages.
Investment Details and Financing Structure
The deal is valued at ₹12,500 crore, with the Bhartia family contributing ₹5,000 crore in equity. The remaining amount will be financed through a partnership with Goldman Sachs, which will fund the special purchase vehicle (SPV) created for the deal. The Bhartias also considered alternative financing options with firms like Bain Credit and Apollo Global Management but ultimately chose to partner with Goldman Sachs to avoid over-leveraging their conglomerate.
This acquisition positions Jubilant Bhartia Group as a dominant force in India&rsquo;s beverage industry, poised to further expand its footprint. The company&rsquo;s success in the food and beverage sector, particularly through its ownership of Jubilant FoodWorks, which operates Domino's Pizza in India, is expected to contribute to HCCB&rsquo;s future growth.
Coca-Cola&rsquo;s Asset-Light Strategy
Coca-Cola&rsquo;s decision to sell a portion of its bottling operations in India aligns with its global strategy of adopting an asset-light model. This strategy is focused on reducing direct involvement in manufacturing and distribution, instead outsourcing these functions to local partners. This allows Coca-Cola to focus on brand management, marketing, and innovation while leveraging local expertise for bottling and distribution.
The asset-light strategy mirrors PepsiCo's approach, which previously shifted its bottling operations to Varun Beverages. This restructuring has had a positive impact on the market value of Varun Beverages, which saw significant growth following the move.
Coca-Cola has been reducing its stake in bottling operations worldwide as part of its efforts to streamline operations and focus on high-value areas. This approach is also designed to better cope with the changing dynamics of global supply chains, particularly as the company faces increased competition in emerging markets like India.
HCCB's Financial Performance and Future Plans
Hindustan Coca-Cola Beverages has demonstrated impressive financial growth, reporting a 9.2% increase in revenue to ₹14,021 crore for FY24. In addition, its net profit surged by 247% year-on-year, reaching ₹2,808.3 crore. This growth highlights the expanding opportunities within India&rsquo;s beverage market and the potential for further success under new leadership.
To capitalize on this momentum, HCCB has announced plans to invest $1.5 billion over the next five years to expand its bottling capacities and develop new facilities in Gujarat and Madhya Pradesh. The company&rsquo;s expansion efforts include the establishment of a new ₹3,000 crore facility in Gujarat and a ₹350 crore plant in Madhya Pradesh, which will enhance its production capabilities and support its growing distribution network.
The Indian Beverage Market: A Growing Opportunity
India&rsquo;s beverage market has become highly competitive, with new entrants like Reliance Consumer Products Ltd making inroads with aggressive pricing and innovative product offerings. The revival of the Campa brand by Reliance has disrupted the market, challenging established players like Coca-Cola and PepsiCo.
Despite this, Coca-Cola&rsquo;s strong market presence and the recent investments in HCCB&rsquo;s infrastructure position the company well to maintain its leadership in the Indian market. With a low per capita consumption of packaged soft drinks, India presents significant growth opportunities for Coca-Cola in the coming years. The company&rsquo;s focus on expanding its reach in Tier-II and Tier-III cities is expected to contribute significantly to its growth.
A Changing Landscape
The Coca-Cola-Bhartia deal reflects broader shifts in the global beverage industry, where companies are increasingly looking to partner with local players to expand their presence in emerging markets. The transaction also highlights the growing importance of India as a key growth market for global beverage companies.
As the Bhartia family steps into its new role as a major player in India&rsquo;s beverage sector, Coca-Cola&rsquo;s decision to align with Jubilant Bhartia Group will help the company navigate the challenges and opportunities of India&rsquo;s dynamic market. The deal is expected to pave the way for further innovation, growth, and expansion in the Indian beverage landscape, strengthening the country&rsquo;s position as a crucial market for Coca-Cola&rsquo;s global strategy.

The Indian government is reportedly considering discontinuing the popular Sovereign Gold Bond scheme, citing its complexity and rising costs. Launched in 2015 to curb gold imports, the programme has raised over ₹72,000 crore so far

Gold Investment Alert: India Reportedly Weighs Scrapping Sovereign Gold Bond Scheme

The Indian government is reportedly considering discontinuing the popular Sovereign Gold Bond scheme, citing its complexity and rising costs. Launched in 2015 to curb gold imports, the programme has raised over ₹72,000 crore so far

The Central Government is likely to discontinue the Sovereign Gold Bond (SGB) scheme. According to government sources quoted in a CNBC-TV18 report, the government may not sell any more Sovereign Gold Bond because it's an 'expensive and complex' instrument. The Sovereign Gold Bond scheme was launched in November 2015 to tackle India&rsquo;s rising demand for physical gold. Since its inception, the government has raised a total of ₹72,274 crore through 67 tranches, equivalent of 146.96 tonnes of Gold. In the last few years the popularity of SGBs has soared, with investors buying ₹27,031 crore worth of the bonds in FY24, equivalent to 44.34 tonnes of gold. That shows a four-fold jump from bond sales worth ₹6,551 crore in FY23, representing 12.26 tonnes of gold. The Sovereign Gold Bond scheme has caught the investors&rsquo; fancy due to two factors &ndash; the first one being the surge in gold prices and the second one is the annual interest income. In 2015, when SGBs were launched, gold prices were hovering around ₹2,600 per gram. However, currently gold is trading at almost ₹7,400 per gram, generating a 200% return since the scheme&rsquo;s inception. Now, the sovereign gold bonds are benchmarked to domestic gold prices. This means that investors will get the returns on the bond that reflect the surge in the domestic gold prices. The second factor is the interest income through SGBs. When the government launched this scheme, it promised a 2.5% per annum simple interest return on investment. This return was to lure investors away from physical gold, which was unable to generate any additional income for investors. In 2015 the scheme made sense due to falling prices of gold and government&rsquo;s push to curb gold imports to curb high current account deficit. However, in 2024 it has become an expensive instrument for the government due to the surge in gold prices. In fact, the government has not launched any new tranche of the Sovereign Gold Bonds in almost six months now. The last tranche of SGBs for the 2023-2024 series was available for subscription from February 12, 2024 to February 16, 2024.&nbsp;

Byju's representatives informed Lad that their funds are currently in an escrow account with the National Company Law Tribunal or NCLT and that a hearing is scheduled for July 4

HDFC Bank system upgrade on July 13 to disrupt UPI, NetBanking, and Fund transfers

All fund transfer methods, including IMPS, NEFT, RTGS, HDFC Bank account-to-account online transfers, and branch transfers, will also be unavailable throughout the upgrade

HDFC Bank has announced a scheduled system upgrade on July 13, which will temporarily impact various services. UPI services will be unavailable for customers from 3:00 AM to 3:45 AM and from 9:30 AM to 12:45 PM on July 13, 2024.&nbsp; During the entire upgrade period, NetBanking and Mobile Banking services will be unavailable. The upgrade is scheduled from 3:00 AM to 4:30 PM on 13th July 2024, during a bank holiday to reduce inconvenience.&nbsp; Also read/watch -<a title="Hindenburg Research receives show cause notice from SEBI over Adani stock bets" href="https://www.editorji.com/business-news/hindenburg-research-receives-show-cause-notice-from-sebi-over-adani-stock-bets-1719896503571"> Hindenburg Research receives show cause notice from SEBI over Adani stock bets</a> Additionally, all fund transfer methods, including IMPS, NEFT, RTGS, HDFC Bank account-to-account online transfers, and branch transfers, will also be unavailable throughout the upgrade. Despite these disruptions, customers will still be able to withdraw cash from ATMs using HDFC Bank debit and credit cards, though with restricted limits. Debit and credit cards can also be used on swipe machines at stores and for online purchases.

Equity mutual fund inflows, SIP flows touch new record in June

<h2>As per data revealed by the Association of Mutual Funds of India or AMFI, inflows into equity mutual funds in June touched a record high of over ₹40,000 crore, that's 17% higher than in May.</h2>

Flows into equity mutual funds have continued unabated. As per data revealed by the Association of Mutual Funds of India or AMFI, inflows into equity mutual funds in June touched a record high of over ₹40,000 crore, that's 17% higher than in May. This spike came largely due to increased flows in sectoral and thematic funds which saw around ₹22,000 crore coming in. Total assets under management surpassed the 60 lakh crore mark for the first time in June, touching 61.1 lakh crore. Systematic investment plans of SIP contributions hit a record high for the 12th straight month, hitting 21,262 crore in June. Debt-oriented schemes saw an outflow of over ₹1.07 lakh crore in the month of June, with maximum outflows of over ₹80,000 crore seen in liquid funds.

The average price of 10 grams of 22K Gold stood at ₹67,000 while the cost for 24K gold prices stood at ₹73,090 and 1 kg silver stood at ₹93,200

Gold, Silver Price Today July 05, 2024: Check Latest Rates in Mumbai, Delhi, Chennai, Bengaluru

<h2>The average price of 10 grams of 22K Gold stood at ₹67,000 while the cost for 24K gold prices stood at ₹73,090 and 1 kg silver stood at ₹93,200</h2>

Gold Silver Price Today July 05 2024: Both gold and silver prices increased on the Multi Commodity Index on Friday.
The average price of 10 gram of 22K Gold stood at ₹67,000 while the 24K gold prices stood at ₹73,090
The rate of 10 grams of 24K gold in Chennai stood at ₹73,750, which was followed by Delhi and Jaipur where the gold costs ₹73,240.&nbsp;
The average price of 1 kg of silver stood at ₹93,200
However, in Chennai, Hyderabad, and Kerala the metal was sold at ₹97,700 followed by Delhi, Mumbai where the metal was sold at ₹93,200
<h3>24 Carat Gold Price Today 05 July (per 10gm) - Indian Top Cities</h3>
Delhi - ₹73,240 Chennai - ₹73,750 Mumbai - ₹73,090 Kolkata - ₹73,090 Bengaluru - ₹73,090
<h3>1 KG Silver Price Today 05 July - Indian Top Cities</h3>
Delhi - ₹93,200 Chennai - ₹97,000 Mumbai - ₹93,200 Kolkata - ₹93,200 Bengaluru - ₹90,700
Gold and Silver prices experience fluctuations influenced by multiple factors, including insights from jewellers. These factors encompass global demand for gold, fluctuations in currency values across nations, prevailing interest rates, and governmental regulations governing the gold trade.
Additionally, global events such as the state of the world economy and the strength of the US dollar relative to other currencies significantly impact gold prices within the Indian market.

The average price of 10 grams of 22K Gold stood at ₹67,000 while the cost for 24K gold prices stood at ₹73,090 and 1 kg silver stood at ₹93,000

Gold, Silver Price Today July 04, 2024: Check Latest Rates in Mumbai, Delhi, Chennai, Bengaluru

<h2>The average price of 10 grams of 22K Gold stood at ₹67,000 while the cost for 24K gold prices stood at ₹73,090 and 1 kg silver stood at ₹93,000</h2>

Gold Silver Price Today July 04 2024:&nbsp; Gold prices slipped while Silver prices increased on the Multi Commodity Index on Thursday.
The average price of 10 gram of 22K Gold stood at ₹67,000 while the 24K gold prices stood at ₹73,090
The rate of 10 grams of 24K gold in Chennai stood at ₹73,750, which was followed by Delhi and Jaipur where the gold costs ₹73,240.&nbsp;
The average price of 1 kg of silver stood at ₹93,000
However, in Chennai, Hyderabad, and Kerala the metal was sold at ₹97,500 followed by Delhi, Mumbai where the metal was sold at ₹93,000
<h3>24 Carat Gold Price Today 04 July (per 10gm) - Indian Top Cities</h3>
Delhi - ₹73,240 Chennai - ₹73,750 Mumbai - ₹73,090 Kolkata - ₹73,090 Bengaluru - ₹73,090
<h3>1 KG Silver Price Today 04 July - Indian Top Cities</h3>
Delhi - ₹91,500 Chennai - ₹97,500 Mumbai - ₹93,000 Kolkata - ₹93,000 Bengaluru - ₹90,600
Gold and Silver prices experience fluctuations influenced by multiple factors, including insights from jewellers. These factors encompass global demand for gold, fluctuations in currency values across nations, prevailing interest rates, and governmental regulations governing the gold trade.
Additionally, global events such as the state of the world economy and the strength of the US dollar relative to other currencies significantly impact gold prices within the Indian market.

The average price of 10 grams of 22K Gold stood at ₹66,350 while the cost for 24K gold prices stood at ₹72,380 and 1 kg silver stood at ₹91,500

Gold, Silver Price Today July 03, 2024: Check Latest Rates in Mumbai, Delhi, Chennai, Bengaluru

<h2>The average price of 10 grams of 22K Gold stood at ₹66,350 while the cost for 24K gold prices stood at ₹72,380 and 1 kg silver stood at ₹91,500</h2>

Gold Silver Price Today July 03 2024:&nbsp; Both Gold and Silver prices increased on the Multi Commodity Index on Wednesday.
The average price of 10 gram of 22K Gold stood at ₹66,350 while the 24K gold prices stood at ₹72,380
The rate of 10 grams of 24K gold in Chennai stood at ₹73,040, which was followed by Delhi and Jaipur where the gold costs ₹72,530.&nbsp;
The average price of 1 kg of silver stood at ₹91,500
However, in Chennai, Hyderabad, and Kerala the metal was sold at ₹95,500 followed by Delhi, Mumbai where the metal was sold at ₹91,000
<h3>24 Carat Gold Price Today 03 July (per 10gm) - Indian Top Cities</h3>
Delhi - ₹72,530 Chennai - ₹73,040 Mumbai - ₹72,380 Kolkata - ₹72,380 Bengaluru - ₹72,380
<h3>1 KG Silver Price Today 03 July - Indian Top Cities</h3>
Delhi - ₹91,500 Chennai - ₹96,000 Mumbai - ₹91,500 Kolkata - ₹91,500 Bengaluru - ₹90,500
Gold and Silver prices experience fluctuations influenced by multiple factors, including insights from jewellers. These factors encompass global demand for gold, fluctuations in currency values across nations, prevailing interest rates, and governmental regulations governing the gold trade.
Additionally, global events such as the state of the world economy and the strength of the US dollar relative to other currencies significantly impact gold prices within the Indian market.

The average price of 10 grams of 22K Gold stood at ₹66,350 while the cost for 24K gold prices stood at ₹72,380 and 1 kg silver stood at ₹91,000

Gold, Silver Price Today July 02, 2024: Check Latest Rates in Mumbai, Delhi, Chennai, Bengaluru

<h2>The average price of 10 grams of 22K Gold stood at ₹66,350 while the cost for 24K gold prices stood at ₹72,380 and 1 kg silver stood at ₹91,000</h2>

Gold Silver Price Today July 02 2024:&nbsp; Gold prices declined while Silver prices increased on the Multi Commodity Index on Tuesday.
The average price of 10 gram of 22K Gold stood at ₹66,350 while the 24K gold prices stood at ₹72,380
The rate of 10 grams of 24K gold in Chennai stood at ₹72,980, which was followed by Delhi and Jaipur where the gold costs ₹72,530.&nbsp;
The average price of 1 kg of silver stood at ₹91,000
However, in Chennai, Hyderabad, and Kerala the metal was sold at ₹95,500 followed by Delhi, Mumbai where the metal was sold at ₹91,000
<h3>24 Carat Gold Price Today 02 July (per 10gm) - Indian Top Cities</h3>
Delhi - ₹72,530 Chennai - ₹72,980 Mumbai - ₹72,380 Kolkata - ₹72,380 Bengaluru - ₹72,380
<h3>1 KG Silver Price Today 02 July - Indian Top Cities</h3>
Delhi - ₹91,000 Chennai - ₹95,500 Mumbai - ₹91,000 Kolkata - ₹91,000 Bengaluru - ₹90,050
Gold and Silver prices experience fluctuations influenced by multiple factors, including insights from jewellers. These factors encompass global demand for gold, fluctuations in currency values across nations, prevailing interest rates, and governmental regulations governing the gold trade.
Additionally, global events such as the state of the world economy and the strength of the US dollar relative to other currencies significantly impact gold prices within the Indian market.

Planning to buy a Honda Activa 6G? Check key features, ownership costs, buying considerations and how a two-wheeler loan can help finance your scooter purchase.

Honda Activa 6G: Everything You Need to Know Before Buying

Planning to buy a Honda Activa 6G? Check key features, ownership costs, buying considerations and how a two-wheeler loan can help finance your scooter purchase.

The Honda Activa 6G is one of India&rsquo;s most recognised scooters. It is known for easy handling, daily comfort, useful storage, and city-friendly use. Many buyers choose it for office rides, college trips, market visits, and short family errands.
A scooter purchase also needs financial planning. Apart from the scooter price, buyers should check insurance, registration, accessories, and running costs. A two-wheeler loan can help spread the cost over time. Financing options may support buyers who want to purchase a scooter without paying the full amount upfront.
<h3>Why is the Honda Activa 6G popular among scooter buyers?</h3>
The <a href="https://www.bajajfinserv.in/bmall/honda-activa-6g-standard-decent-blue/p/35482" target="_blank">Honda Activa 6G</a> is popular because it is practical, easy to ride, and suitable for everyday city travel. Many Indian buyers want a scooter that is simple to use, easy to park, and comfortable for daily needs. The Activa 6G fits this purpose well.
Its automatic transmission makes riding simple, even in traffic. Its step-through design makes it easy for different family members to use. The scooter is also known for strong brand recall, which adds to buyer confidence.
Key reasons for its popularity include:
<ul>
<li>Easy to ride in traffic</li>
<li>Practical for daily errands</li>
<li>Comfortable seating</li>
<li>Suitable for family use</li>
<li>Useful storage space</li>
<li>Strong brand recall</li>
</ul>
The Honda Activa 6G can be used for short commutes, grocery runs, school drops, and local travel. This makes it a practical scooter for many Indian homes.
<h3>Who should consider buying the Honda Activa 6G?</h3>
The Honda Activa 6G may suit buyers who want a simple and comfortable scooter for city use. It can be useful for office commuters, college students, senior family members, and families looking for a shared two-wheeler.
Working professionals may find it easy to handle during daily traffic. Students may prefer it for short and regular travel. Families may use it for errands, shopping, and nearby visits.
Buyers comparing Honda bikes and scooters should choose based on their usage. A bike may suit those who want a sportier ride or longer-distance comfort. A scooter may suit those who want easy handling, storage space, and simple operation.
Before choosing, check:
<ul>
<li>Daily travel distance</li>
<li>Storage needs</li>
<li>Seat comfort</li>
<li>Fuel efficiency expectations</li>
<li>Riding posture</li>
<li>Family usage</li>
<li>Ease of handling</li>
</ul>
If your main need is simple city travel, the Honda Activa 6G can be a practical choice.
<h3>What should you check before buying the Honda Activa 6G?</h3>
You should check the total cost, variant options, comfort, ownership expenses, and EMI fit before buying the Honda Activa 6G. This helps you make a clear and planned decision.
The ex-showroom price is only one part of the cost. The final amount may also include registration, insurance, road tax, accessories, and other charges. So, ask the dealer for a full cost estimate before booking.
Use this checklist before you decide:
<ul>
<li>Ex-showroom price and on-road cost estimate</li>
<li>Variant options</li>
<li>Mileage expectation</li>
<li>Seat comfort</li>
<li>Storage space</li>
<li>Service network</li>
<li>Insurance and registration cost</li>
<li>EMI affordability</li>
<li>Test ride experience</li>
</ul>
A test ride is also important. It helps you check comfort, seat height, braking, suspension, and handling. If the scooter will be used by more than one family member, they should also check the riding comfort.
<h3>Why should you use a two-wheeler loan to buy a scooter?</h3>
A <a href="https://www.bajajfinserv.in/two-wheeler-loan" target="_blank">two wheeler loan</a> can help you buy a scooter without paying the full cost at once. This makes ownership easier, especially if you want to manage other monthly expenses.
Many buyers use financing to keep their savings intact. Instead of making one large payment, they can divide the cost into EMIs. This supports better cash flow and planned spending.
A two-wheeler loan can help in these ways:
<ul>
<li>Protects savings</li>
<li>Spreads cost over time</li>
<li>Improves cash flow</li>
<li>Allows earlier purchase</li>
<li>Supports monthly budgeting</li>
<li>Helps buyers choose a suitable variant</li>
</ul>
For example, if you want a higher variant with added convenience, financing may help you manage the price difference. But the EMI should always fit your monthly budget.
<h3>What should you consider before applying for a two-wheeler loan?</h3>
You should check your income, monthly expenses, EMI comfort, tenure, charges, documents, and eligibility before applying for a two-wheeler loan. This helps make the loan journey smoother.
Start by reviewing your monthly budget. Your EMI should not make your regular expenses difficult to manage. A longer tenure may reduce the EMI, while a shorter tenure may help you close the loan faster. Choose based on your repayment comfort.
Before applying, check:
<ul>
<li>Monthly income and fixed expenses</li>
<li>Comfortable EMI amount</li>
<li>Loan tenure preference</li>
<li>Down payment, if applicable</li>
<li>Processing fees and other charges</li>
<li>Required documents</li>
<li>Eligibility criteria</li>
</ul>
Also, check the total cost of the loan. This includes interest, fees, and other applicable charges. Looking beyond the EMI helps you make a better decision.
<h3>How can a two-wheeler loan support your Honda Activa 6G purchase?</h3>
A two-wheeler loan can help buyers fund their Honda Activa 6G purchase through structured repayment options. It can be a useful choice for those who want to manage the cost of ownership over time rather than making a single upfront payment.
A two-wheeler loan may be suitable for first-time buyers, salaried professionals, self-employed individuals, and families planning a scooter purchase. Buyers can compare available financing options and select a repayment plan that aligns with their budget.
Key features include:
<ul>
<li>Up to 100% financing* of the on-road price</li>
<li>Loan amount ranging from Rs. 35,000 to Rs. 21 lakh</li>
<li>Flexible tenure options from 6 to 84 months</li>
<li>Simple eligibility criteria</li>
<li>Minimal documentation</li>
</ul>
With the Bajaj Finance Two-wheeler Loan, buyers can plan their scooter purchase in a more organised way. It can also help them avoid using a large part of their savings at once.
The Honda Activa 6G is a practical scooter for city use. It offers simple handling, daily comfort, storage convenience, and strong familiarity among Indian buyers. Before deciding, buyers should check the cost, comfort, features, test ride experience, and ownership needs.
The Bajaj Finance Two-wheeler Loan can help buyers fund their scooter purchase with ease. By reviewing your budget, checking EMI comfort, and exploring suitable financing options, you can plan your Honda Activa 6G purchase with more confidence.

Personal Finance

Understand all major ULIP charges including premium allocation, mortality, and fund management fees to evaluate returns and choose the right investment plan.

How much does a ULIP plan really cost? A break-down of all charges

Understand all major ULIP charges including premium allocation, mortality, and fund management fees to evaluate returns and choose the right investment plan.

When exploring a ULIP plan, many investors focus mainly on returns and benefits. But understanding the charges involved is equally important. Like any financial product, ULIPs come with certain costs that help manage your investments and insurance coverage.
The good news is that modern ULIPs have become far more transparent and cost-efficient than before. Once you understand the different <a href="https://www.bajajfinserv.in/insurance/ulip-charges" target="_blank">ULIP charges</a>, it becomes easier to evaluate whether the plan suits your financial goals.
<h3>What are ULIP charges?</h3>
A ULIP, or Unit Linked Insurance Plan, combines life insurance with market-linked investments. To manage these services, insurers deduct specific charges from your premium or fund value.
These charges cover policy administration, fund management, and life insurance protection.
Knowing these costs helps you make informed investment decisions and avoid surprises later.
<h3>Common ULIP charges explained</h3>
Here are the main charges usually associated with a ULIP plan:
Premium allocation charge:
This charge is deducted from the premium before the money is invested. It is generally higher during the initial policy years and may reduce over time.
It covers expenses related to distribution and policy setup.
Policy administration charge:
This is a regular fee charged for maintaining your policy throughout its tenure. It is usually deducted monthly by cancelling units from your investment fund.
Fund management charge:
Since ULIPs invest in market-linked funds, insurers charge a fee for managing these investments.
The charge depends on the type of fund you choose, such as equity, debt, or balanced funds.
Mortality charge
This charge provides life insurance coverage under the <a href="https://www.bajajfinserv.in/insurance/ulip-plans" target="_blank">ULIP plan</a>. It depends on factors like:
<ul>
<li>Age</li>
<li>Sum assured</li>
<li>Health condition</li>
<li>Lifestyle habits</li>
</ul>
Typically, younger investors pay lower mortality charges.
Fund switching charge:
Most ULIPs allow investors to switch between funds based on market conditions or changing financial goals.
Many insurers offer a limited number of free switches every year. Additional switches may attract charges.
Partial withdrawal charge:
Some ULIPs may charge a fee for partial withdrawals after the lock-in period, although many plans now offer free withdrawals within limits.
<h3>Why understanding ULIP charges matters</h3>
Knowing the complete cost structure of a ULIP plan helps you:
<ul>
<li>Compare plans better</li>
<li>Estimate long-term returns realistically</li>
<li>Choose suitable fund options</li>
<li>Avoid unnecessary costs</li>
</ul>
Even small differences in charges can impact your final investment value over the long term.
<h3>Are ULIP charges worth it?</h3>
For many investors, ULIPs offer value because they combine insurance and investment in one plan. Along with market-linked growth opportunities, they also provide:
<ul>
<li>Life cover</li>
<li>Tax benefits</li>
<li>Long-term financial discipline</li>
<li>Flexible fund switching </li>
</ul>
If chosen carefully and held for the long term, the benefits may outweigh the costs for many investors.
<h3>Tips to minimise ULIP charges</h3>
Here are a few smart ways to manage costs effectively:
<ul>
<li>Invest early to benefit from lower mortality charges</li>
<li>Stay invested for the long term</li>
<li>Avoid frequent fund switching</li>
<li>Compare plans before investing</li>
<li>Choose a plan aligned with your financial goals</li>
</ul>
&nbsp;
<h3>Conclusion</h3>
A ULIP plan involves different charges that support policy management, investments, and life insurance coverage. Understanding these ULIP charges can help you make smarter financial decisions and evaluate the true value of your investment.
Before investing, always review the benefit illustration, compare charges across plans, and focus on long-term financial goals rather than short-term market movements.

India's residential real estate market, estimated to be valued at over USD 300 billion, faced a marginal 4 per cent drop in sales volumes during 2024, according to data from consultant Anarock. 

India’s housing market in de-growth phase, pins hopes on Budget

India's residential real estate market, estimated to be valued at over USD 300 billion, faced a marginal 4 per cent drop in sales volumes during 2024, according to data from consultant Anarock.

New home sales in India declined for the first time since the pandemic, as a sharp rise in housing prices and elevated borrowing costs ruined buyers' appetite in 2024 and the real estate industry is now eyeing the upcoming Budget for favourable economic conditions -- a key to reviving demand conditions.
The de-growth in the Indian housing market came after three straight years of stellar growth, following the COVID-era downturn, and was attributed in part to a high base in the previous year, a fall in supply of new homes and price appreciation.
Anuj Puri, Chairman of Anarock, one of the leading housing brokerage firms in the country, termed the year 2024 as a "mixed bag" for the Indian residential market and noted that, while demand for the affordable housing segment was weak, sales and launches of luxury homes remained strong.
India's residential real estate market, estimated to be valued at over USD 300 billion, faced a marginal 4 per cent drop in sales volumes during 2024, according to data from consultant Anarock. After a 47 per cent decline in 2020, housing sales had grown by 71 per cent, 54 per cent and 31 per cent in 2021, 2022 and 2023, respectively.
Post-pandemic, the ultra-rich started lapping up luxurious flats, villas and penthouses at the launch itself and this year was no different.
"No doubt, the central and state elections played spoilsport to some extent, but it would also be fair to attribute at least some of the decline to the high base considering that in 2023 both new launches and sales had attained all-time high peaks," Puri said.
Going forward, he expects the housing market to stabilize in 2025, with muted growth in prices, as against an average 21 per cent year-on-year rise this year. "Much also depends on what the upcoming Union Budget holds in store," Puri said.
Real estate developers have a long-standing demand for an increase in the deduction limit of interest on home loans under the Income Tax Act to boost housing sales, particularly in affordable and mid-income categories. The luxury and ultra-luxury housing segment, which does not need any fiscal support, continued its upward journey.
Most of the real estate companies focused on luxury residential projects led by realty major DLF Ltd that launched a super luxury project 'The Dahlias' in Gurugram comprising around 400 units with an estimated sales value of ₹26,000 crore possibly the largest project announced so far in terms of revenue potential.
News of luxury residential projects getting sold within a few days of their launches became the new normal in 2024.
"2024 has been another monumental year for the Indian real estate sector, with residential demand remaining robust on the back of heightened consumer interest and the shift towards buying instead of renting," CREDAI National President Boman Irani told PTI.
The luxury segment has done particularly well, providing further validation of the evolving appetite of the Indian homebuyers who now seek better, bigger homes with enhanced lifestyles, he added.
In contrast to the housing segment, the office market saw record leasing of workspaces this year, with foreign companies looking to set up Global Capability Centres in India to capitalize on the availability of cheaper real estate and an English-speaking skilled talent pool.
Gross leasing of office space across eight major cities is estimated to rise 14 per cent to touch a record 85 million square feet in 2023, according to Cushman &amp; Wakefield data.
The demand for managed office space gained further momentum, prompting coworking operators to expand their portfolios in a big way.
To fund their expansion plan, coworking operators Awfis successfully launched its Initial Public Offering this year, while Smartworks and IndiQube Spaces have filed preliminary papers with market regulator Sebi to launch their public issues.
The office market also got a Filip from SEBI, which earlier this year approved regulation for Small and Medium Real Estate Investment Trusts to boost investments in rent-yielding commercial properties. It is similar to REIT but as the name suggests smaller in scale.
Property Share Investment Trust launched India's first SM-REIT public issue this year and there are many IPOs lined up for the next year in this space.
With a surge in e-commerce business and the government's focus on boosting manufacturing activities in India, the demand for industrial and logistics spaces remained high this year.
Premium shopping malls continue to do good business helped by entertainment and food &amp; beverages segments, encouraging builders to expand their retail real estate portfolio.
Being bullish on the long-term growth prospects of the sector, foreign and domestic investors infused huge capital in housing, office and industrial-logistics properties hoping for a better return on investment.
JLL India reported that Indian real estate attracted 51 per cent higher institutional investment in 2024 to nearly USD 9 billion, and experts believe that the trend will continue in the New Year on sustained demand across all asset classes.
Moreover, consolidation in the real estate sector gained further momentum this year, with consumer demand continuously shifting towards reputed players having better track records of executing projects.
To cater to this shift in demand, big and branded real estate players were very aggressive in land acquisition through outright purchases as well as entering into joint ventures with landowners.
There were also some positive developments this year on the old stalled housing projects front.
Mumbai-based realty firm Suraksha Group got a green signal from the National Company Appellate Tribunal to acquire Jaypee Infratech Ltd through an insolvency process and complete around 20,000 units.
At the fag end of the year, the National Company Law Tribunal allowed state-owned NBCC to complete 16 real estate projects of Supertech Ltd. NBCC is already completing the stalled projects of erstwhile bankrupt Amrapali Group on the direction of the Supreme Court.
The successful resolution of these stuck projects holds the key to regaining consumer trust in India's property market, even as homebuyers stuck in stalled projects of Unitech Ltd did not get any solution even this year.
In a nutshell, Indian real estate was more or less able to sustain demand in the housing segment, while achieving growth in office and warehousing verticals.
Real estate experts are confident about better performance of the housing segment next year, provided prices remain under control.
The sector can grow faster if the RBI cuts interest rates in its monetary policy and the Centre announces tax incentives for individuals and developers in the upcoming central Budget, industry players believe. Irani of CREDAI feels that the real estate sector still faces "policy-related roadblocks that hinder its full potential".
"Going into 2025, we are optimistic of government interventions to streamline certain policy roadblocks, especially for the affordable housing segment, to improve feasibility and address affordability concerns," he said.
Irani stressed the need to redefine affordable housing, expand 80C benefits, and reduce interest rates to propel growth in Indian real estate, whose market size as per the Naredco-Knight Frank report stood at nearly USD 500 billion in 2022 and is estimated to reach USD 5.8 trillion by 2047.
(Except for the headline, this story has not been edited by Editorji News Desk and is published from a syndicated feed.)

The company has been making strong efforts to absorb price increases during this year, ensuring minimal impact on customers, said VP Kunal Behl.

Honda Cars to hike vehicle prices by up to two per cent from Jan 2025

The company has been making strong efforts to absorb price increases during this year, ensuring minimal impact on customers, said VP Kunal Behl.

Honda Cars India on Friday said it will hike prices across its model range by up to 2 per cent from January next year, in order to partially offset the impact of rising input costs.
The company sells models like Amaze, City and Elevate in the domestic market.
The automaker will increase the prices of its models by up to 2 per cent from the beginning of January 2025, Honda Cars India Vice President - Marketing and Sales Kunal Behl said.
The company has been making strong efforts to absorb price increases during this year, ensuring minimal impact on customers, he added.
"However, due to the continued rise in input costs and logistics, a small portion of this impact will be passed on to customers through a price revision from the new year," Behl said.
Additionally, the all-new third-generation Amaze which was launched at a very competitive introductory price, will also see a price revision by mid of next month, he added.
Already various carmakers including Maruti Suzuki, Hyundai and Tata Motors have announced price hikes from January.
(Except for the headline, this story has not been edited by Editorji News Desk and is published from a syndicated feed.)

Passenger vehicles posted their highest ever sales of November in 2024 of 3.48 lakh units, with a growth of 4.1 per cent as compared to November 2023, he added.

Passenger Vehicle dispatches rise 4% in Nov as demand sustains post-festive period: SIAM

Passenger vehicles posted their highest ever sales of November in 2024 of 3.48 lakh units, with a growth of 4.1 per cent as compared to November 2023, he added.

Passenger vehicle dispatches from companies to dealerships rose 4 per cent year on year to 3,47,522 units in November with demand momentum sustaining post festive period in October, industry body SIAM said on Friday.
The overall passenger vehicle dispatches stood at 3,33,833 units in November last year.
Market leader Maruti Suzuki India dispatched 1,41,312 units to its dealers last month, an increase of 5 per cent as compared with 1,34,158 units in November last year.
Hyundai Motor India dispatches declined to 48,246 units last month as against 49,451 units in the year-ago period.
Mahindra &amp; Mahindra sales stood at 46,222 units last month as compared with 39,981 units in November last year, a growth of 16 per cent Two-wheeler wholesales, however, declined by 1 per cent year on year to 16,04,749 units last month compared with 16,23,399 units in the same month last year.
Scooter sales rose 12 per cent year on year to 5,68,580 units last month while bike dispatches fell 7.5 per cent to 9,90,246 units.
Moped wholesales rose 6 per cent year on year to 45,923 units last month as compared with 43,482 units in November 2023.
Total three-wheeler dispatches also witnessed a 1 per cent year-on-year dip to 59,350 units in November, the Society of Indian Automobile Manufacturers (SIAM) said in a statement.
"The demand momentum which was seen in October during the festive period has continued in November for the industry as a whole, although two-wheeler and three-wheeler segments witnessed minor de-growth in November 2024," SIAM Director General Rajesh Menon said.
Passenger vehicles posted their highest ever sales of November in 2024 of 3.48 lakh units, with a growth of 4.1 per cent as compared to November 2023, he added.
Though the Diwali festival did not fall in November 2024, the two-wheeler segment posted sales of 16.05 lakh units, crossing the 16 lakh units mark for the first time in a non-Diwali November, Menon stated.
(Except for the headline, this story has not been edited by Editorji News Desk and is published from a syndicated feed.)

According to Consumer Price Index (CPI) data released by the National Statistics Office (NSO), the inflation in the food basked reduced to 9.04 per cent in November.

Retail inflation eases to 5.48 per cent in November: Govt

According to Consumer Price Index (CPI) data released by the National Statistics Office (NSO), the inflation in the food basked reduced to 9.04 per cent in November.

Retail inflation slowed to 5.48 per cent in November compared to 6.21 pc in October, mainly due to easing food prices, especially vegetables, according to government data released on Thursday.
According to Consumer Price Index (CPI) data released by the National Statistics Office (NSO), the inflation in the food basked reduced to 9.04 per cent in November. It was 10.87 per cent in October and 8.70 per cent in November 2023.
&ldquo;During the month of November 2024, a significant decline in inflation is observed in vegetables, pulses and products, sugar and confectionary, fruits, eggs, milk and products, spices, transport and communication and personal care and effects subgroups,&rdquo; the NSO said. The CPI-based headline inflation increased from an average of 3.6 per cent during July-August to 5.5 per cent in September and further to 6.2 per cent in October 2024, the highest in more than a year since September 2023.
Last week, the Reserve Bank raised the inflation projection for the current fiscal to 4.8 per cent from 4.5 per cent. It also said that the lingering food price pressures are likely to keep headline inflation elevated in the December quarter.
Consumer price index (CPI)-based headline inflation increased from an average of 3.6 per cent during July-August to 5.5 per cent in September and further to 6.2 per cent in October 2024.

The percentage of inoperative PMJDY accounts for public sector banks (PSBs) declined from 39.62 per cent in March 2017 to 20.91 per cent in November 2024.

Pradhan Mantri Jan Dhan Yojana: 11.30 Crore Accounts Inoperative, ₹14,750 Crore Locked

The percentage of inoperative PMJDY accounts for public sector banks (PSBs) declined from 39.62 per cent in March 2017 to 20.91 per cent in November 2024.

A total of 54.03 crore accounts have been opened under Pradhan Mantri Jan Dhan Yojana (PMJDY), of which 11.30 crore accounts are inoperative, Parliament was informed on Tuesday.
In a written reply to a question in the Rajya Sabha, Minister of State for Finance Pankaj Chaudhary said the inoperative banks have a balance of Rs 14,750 crore as of November 20, 2024.
The percentage of inoperative PMJDY accounts for public sector banks (PSBs) declined from 39.62 per cent in March 2017 to 20.91 per cent in November 2024.
As per Reserve Bank of India (RBI) guidelines, a saving, as well as a current account, should be treated as inoperative/ dormant, if there are no customer-induced transactions in the account for over two years.
Banks continuously make concerted efforts to monitor the percentage of operative accounts and the progress is being regularly monitored by the government, Chaudhary said.
Further, banks have been advised to take necessary steps urgently to bring down the number of inoperative accounts and make the process of activation of such accounts smoother and hassle-free, including by enabling seamless updation of KYC through mobile/internet banking, non-home branches, Video Customer Identification Process, etc.

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