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Why investors panic when markets fall: Understanding behaviour in a mutual fund scheme

Market fluctuations are part and parcel of the investment journey. Yet, many investors find it difficult to deal with them and react impulsively when markets shift. Whether they’re investing in stocks, mutual funds or any other investment avenue, downturns and volatility make investors jittery and lead to decisions that may not be favourable for their long-term goals.

The role investor behaviour plays in finance

This article will explain the reasons why investors panic when markets fall, why it is useful to look at behavioural patterns and psychological triggers, and how one may stay more balanced in such situations.

The role of emotions in investment decisions

Investing is believed to be about logic, but emotions may often play a role in financial decision-making. This interplay between emotions and money is at the heart of behavioural finance, a field of study that combines psychology and economics to explain how people make financial decisions. Instead of assuming investors are always rational, it looks at how emotions, biases, and social influences may affect choices about saving, spending, and investing.

Fear and anxiety are two of the most powerful emotions that may influence an investor’s decision-making when markets shift. In the context of a mutual fund scheme, these emotions may lead to premature withdrawals even when the investment was meant for the long term.

This is partly because losses feel more intense than gains of the same size, a tendency known as loss aversion. For example, losing Rs. 10,000 feels far more painful than the happiness experienced from gaining Rs. 10,000. This imbalance may push investors to act in haste, especially during a market downturn.

Herd behaviour and social influence

Another reason why investors may panic is herd behaviour. When investors see others exiting a mutual fund scheme or selling their holdings during market lows, they may feel the need to do the same. Following the crowd may be seen as a more suitable option for many investors instead of standing apart, even if long-term fundamentals remain unchanged.

Such herd behaviour may result in missed opportunities for potential growth if the market recovers.

Short-term focus versus long-term goals

Many investors begin investing in a mutual fund scheme with a long-term goal in mind, such as retirement planning or funding a child’s education. However, when markets turn volatile, the focus shifts from long-term goals to short-term movements. This may lead to impulsive decisions, such as redeeming units prematurely.

While market volatility may be temporary, impulsive decisions may lock in losses. When investors keep long-term objectives in mind and avoid frequent reactions, they may maintain their investment discipline.

The impact of past experiences

Sometimes, personal experiences may also shape investor behaviour. If an investor has experienced a previous downturn and faced losses, they may panic more quickly in future market declines. Similarly, if someone has seen markets recover after a downturn, they may be more comfortable about staying invested.

It is important to remember that decisions should be based on suitability, financial planning, and current circumstances rather than only on past experiences.

Past performance may or may not be sustained in future.

The role of information and news flow

Investors are often influenced by constant news updates, market headlines, and commentary from peers or social media. Negative news may magnify fear, making it harder to stay patient. For instance, during a sudden market fall, headlines may focus on short-term losses without providing a balanced view of potential long-term prospects.

Filtering information and focusing on reliable sources may help investors avoid unnecessary panic. Instead of reacting to every headline, it may be useful to stay focused on your long-term goals.

Behavioural biases in investing

Several behavioural biases contribute to panic during market falls:

  • Loss aversion: As discussed, losses feel more severe than gains of equal size.

  • Recency bias: Investors tend to give more weight to recent events. A sudden fall may overshadow years of steady growth in a mutual fund scheme.

  • Overconfidence bias: Believing one may time the market or predict exact outcomes often leads to disappointment when events do not go as expected.

Understanding these biases may help investors make more measured decisions instead of reacting purely on impulse.

Strategies to stay calm during market falls

While no strategy may remove uncertainty, certain practices may help investors manage their reactions:

  • Review goals periodically: Ensuring that investments in a mutual fund scheme align with long-term goals may provide confidence during volatility.

  • Diversification: Spreading investments across asset classes may potentially reduce the impact of market swings.

  • Systematic approach: Approaches like Systematic Investment Plans (SIPs) may help average out costs over time, though investors should assess if these are suitable for their financial needs.

  • Consulting advisors: Professional advice may provide perspective and help investors avoid impulsive decisions.

These strategies may not eliminate risk, but they may provide structure and reduce emotional reactions during downturns.

The InQuBe philosophy of investing

Bajaj Finserv AMC’s InQuBe philosophy represents a disciplined framework for pursuing investment opportunities. Built on three pillars, gaining an information edge, applying analytical tools, and leveraging behavioural insights, it aims to guide investment decisions by focusing on companies with solid fundamentals and potential long-term value. By navigating market inefficiencies through this structured approach, Bajaj Finserv AMC seeks to help investors maintain a consistent, long-term perspective.

Conclusion

Markets will always move through cycles of ups and downs. The challenge for investors is not only in choosing a suitable mutual fund scheme but also in managing their own reactions when markets fall. Panic is a natural response, but understanding behavioural patterns, being aware of biases, and staying focused on long-term goals may help investors make more balanced decisions. By approaching investments with patience and discipline, investors may be able to navigate market volatility more calmly.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. 

India’s Consumption Story: What Rising Middle Class Means for Investors

India’s consumption patterns have been evolving, shaped by factors such as income growth, urbanisation, and changing lifestyles. The expanding middle class is often viewed as an important part of this trend, influencing demand across a wide range of goods and services. For investors, recognising this development within the broader context of structural changes may provide perspective on potential long-term themes.

Digital Transformation: Megatrends reshaping India’s consumption story

Source: Rising to a Billion: How India’s Middle Class is Shaping Tomorrow by Rediffusion Consumer Lab

Understanding megatrend investing
Megatrends are large, structural shifts that reshape economies and societies over decades. These include demographic change, urbanisation, technological progress, sustainability, and rising consumption.

Megatrend investing involves identifying such shifts and considering how they may align their portfolios with the long-term opportunities that megatrends offer.

One such megatrend shaping India is the expansion of its middle class.

The rise of India’s middle class
Changing lifestyles, increasing urbanisation, and broader access to credit are gradually diversifying household spending patterns. While essentials like food and clothing continue to form a significant part of budgets, discretionary categories such as branded products, entertainment, travel, and digital services are gaining more attention.

This shift is reflected in the expansion of industries catering to lifestyle and convenience, including automobiles, packaged food, retail, healthcare, and financial services. These sectors may benefit from evolving consumer behaviour, though outcomes remain influenced by income growth, economic conditions, and market cycles.

How rising consumption shapes investment themes
As consumer spending expands, companies operating in consumption-driven sectors may experience long-term demand. Thematic funds such as consumption funds invest in businesses that could potentially benefit from India’s consumption story. These funds typically include stocks of companies from fast-moving consumer goods (FMCG), retail, entertainment, e-commerce, food and beverages, and other related sectors.

Since these funds focus on specific sectors, their performance may be more volatile compared to diversified funds. When consumer demand slows, consumption-oriented stocks may be affected. Therefore, investors need to evaluate such options in the context of their risk appetite and overall portfolio balance.

Past performance may or may not be sustained in future.

Broader impact across sectors
India’s consumption story is not only influencing consumer goods but also shaping demand across multiple sectors, such as housing, education, healthcare, and financial services. For example:

  • Housing and infrastructure: Growing aspirations for home ownership may support the real estate sector.

  • Education: Parents may allocate more towards quality education, coaching, and digital learning tools.

  • Healthcare: Rising awareness is driving demand for preventive healthcare, insurance, and wellness services.

  • Financial services: Households may allocate more towards insurance, savings products, and investments, including mutual funds.

These trends suggest that companies serving the middle-class segment may see long-term opportunities, though outcomes may vary with economic cycles.

How to invest in this megatrend
For investors looking at potentially tapping into India’s consumption wave, thematic or sectoral mutual funds focusing on the consumption sector may be one of the suitable ways. However, such funds carry very higher risks, because they are concentrated on one or a handful of sectors. Thus, investors may also consider diversifying their portfolio with other mutual funds that may offer broader exposure, such as large cap, mid cap, small cap, flexi cap funds etc.

The diversified funds may serve as the core of the portfolio, while the thematic fund may act as an additional allocation aligned with long-term megatrends.

Considering risk factors
Investing in consumption funds or any thematic category requires awareness of certain risks:

  • Concentration risk: Since consumption funds focus on limited sectors, they may face higher volatility compared to diversified funds.

  • Cyclicality: Consumer demand may be cyclical, rising during strong economic periods and slowing during downturns.

  • Fund management approach: Performance may vary depending on how the fund manager selects and allocates among consumption-driven companies.

  • Investment horizon: Thematic funds are often more suitable for investors with a longer horizon who may stay invested through short-term fluctuations.

Keeping these points in mind, investors may evaluate whether thematic options align with their portfolio strategy and goals.

Using tools for planning
Before committing to investments, planning tools may help. For example, an SIP calculator allows investors to estimate the potential accumulation of wealth over time based on inputs like contribution amount, tenure, and expected rate of return (assumed, not guaranteed).

Similarly, a compound interest calculator may help investors understand how reinvested returns contribute to long-term growth. These illustrations may support informed decision-making and highlight how disciplined investing may align with financial goals. However, it is important to note that these calculators are an aid, not a prediction tool. They may provide only an indicative picture.

How megatrends shape investing
By closely following megatrends and the industries or companies that stand to benefit as they evolve, Bajaj Finserv AMC seeks to build future-focused portfolios for its investors and create investment opportunities that look away from short-time noise and towards trends that can offer potential opportunities for long-term growth.

Conclusion
India’s consumption story reflects a broader megatrend that is reshaping industries and investment themes. For investors, consumption funds may provide a way to gain exposure to this trend, while SIP may serve as a disciplined method to participate over time.

The suitable strategy ultimately depends on each investor’s risk appetite, financial goals, and time horizon. Using tools such as an SIP calculator or a compound interest calculator may help visualise potential outcomes and support informed decisions.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.

TVS Motor Company Achieves its Highest Ever Quarterly Sales in Q2FY26; Crosses 15 Lakh Unit Milestone

  • Q2FY26 Sales grows by 22%

  • Sales in September 2025 grows by 12%

TVS Motor Company, during the second quarter of the financial year 2025-26, registered the highest ever quarterly sales of 15.07 Lakh units. The two-wheeler of the company registered a growth of 22% with sales increasing from 11.90 Lakh units in Q2FY25 to 14.54 Lakh units in Q2FY26. Three-wheeler of the company registered a growth of 41% with sales increasing from 0.38 Lakh units in Q2FY25 to 0.53 Lakh units in Q2FY26. Total exports registered a growth of 30% with sales increasing from 3.09 Lakh units in Q2FY25 to 4.00 Lakh units in Q2FY26.

September 2025 Sales Update
The Company recorded monthly sales of 541,064 units in September 2025 with a growth of 12% as against 482,495 units in September 2024.

Two-Wheeler
Total two-wheelers registered a growth of 11% with sales increasing from 471,792 units in September 2024 to 523,923 units in September 2025. Domestic two-wheeler registered growth of 12% with sales increasing from 369,138 units in September 2024 to 413,279 units in September 2025.

Motorcycle registered a growth of 9% with sales increasing from 229,268 units in September 2024 to 249,621 units in September 2025. Scooter registered a growth of 17% with sales increasing from 186,751 units in September 2024 to 218,928 units in September 2025.

Electric Vehicle
EV registered a growth of 8% with sales increasing from 28,901 units in September 2024 to 31,266 units in September 2025. Magnet availability continue to pose challenges in the short to medium term.

International Business
The Companys total exports registered a growth of 10% with sales increasing from 111,007 units in September 2024 to 122,108 units in September 2025. Two-wheeler exports grew by 8% with sales increasing from 102,654 units in September 2024 to 110,644 units in September 2025.

Three-Wheeler
Three-wheeler registered a growth of 60% with sales increasing from 10,703 units in September 2024 to 17,141 units in September 2025.

About TVS Motor Company
TVS Motor Company (BSE:532343 and NSE: TVSMOTOR) is a reputed two and three-wheeler manufacturer globally, championing progress through sustainable mobility with four state-of-the-art manufacturing facilities located in India and Indonesia. Rooted in our 100-year legacy of trust, value, and passion for customers, it takes pride in making internationally accepted products of the highest quality through innovative and sustainable processes. TVS Motor is the only two-wheeler company to have won the prestigious Deming Prize. Our products have led in their respective categories in the J.D.Power IQS & APEAL surveys and J.D.Power Customer Service Satisfaction Survey. Our group company Norton Motorcycles, based in the United Kingdom, is one of the most emotive motorcycle brands in the world. Our subsidiary in the personal e-mobility space, TVS Ebike Company AG, has a leading position in the e-bike market in Switzerland. TVS Motor Company endeavours to deliver the most superior customer experience across 80 countries in which we operate.

For more information, please visit www.tvsmotor.com

VinFast India Signs MoU With Castrol India To Strengthen EV After-sales Service Network

VinFast Auto India has signed a Memorandum of Understanding (MoU) with Castrol India Limited, a premium lubricant manufacturer, to provide reliable and accessible after-sales support for its EV customers across the country. This reinforces VinFast’s long-term commitment to building a trusted service ecosystem for its EV owners in India.

Castrol’s extensive footprint will enable VinFast to offer broad and convenient after-sales care for further strengthening customer confidence

As part of the MoU, Castrol India will make selected Castrol Auto Service (CAS) workshops from its 750+ CAS network in 300+ cities available to VinFast customers. These outlets will feature dedicated VinFast-branded service bays, certified EV technicians, and genuine VinFast parts.

VinFast will provide service manuals, diagnostic tools, training, and warranty coverage processes, while Castrol will ensure workshops meet infrastructure and capability standards. This collaboration will give VinFast customers access to Castrol’s well-established expertise, advanced service protocols, and digitally integrated workshop ecosystem. These capabilities guarantee consistent quality, transparency, and convenience at every service touchpoint.

Castrol’s extensive footprint will enable VinFast to offer broad and convenient after-sales care for further strengthening customer confidence.

Mr. Pham Sanh Chau, CEO of VinFast Asia, said, “For VinFast, India represents not just a new market but a long-term commitment to building an inclusive EV ecosystem. Reliable after- sales care is central to this vision, and our collaboration with Castrol India along with other partners ensures that customers will have access to trusted, high-quality service across the country from the beginning. This initiative also aligns with both companies’ commitment to supporting India’s transition towards sustainable mobility by making EV ownership hassle-free and future- ready.”

Mr. Rajeev Govil, Senior Vice President, India B2B, Castrol India, said, “As electric mobility grows in India, after-sales service will play a critical role in building customer confidence. Through this collaboration, we bring the strength of our Castrol Auto Service network to support VinFast and its EV customers. With our wide reach and experience in servicing conventional passenger vehicles, we are excited to enable our network to deliver comprehensive EV solutions and play a part in shaping a stronger mobility ecosystem in the country.”

VinFast has been reinforcing its commitment to India’s EV landscape through significant investments. The company recently launched its first overseas assembly facility in Thoothukudi, Tamil Nadu, with an initial capacity of 50,000 vehicles annually, scalable to 150,000 units- creating thousands of direct jobs. Alongside local production, VinFast has partnered with multiple leading dealer groups to establish a total of 35 dealerships across 27 cities by the end of 2025.

With the recent launch of its premium SUVs, VF 6 and VF 7, in India, VinFast is simultaneously building a comprehensive service backbone to ensure customers enjoy the same level of confidence, convenience, and care that defines its vehicles. Together, VinFast and Castrol aim to raise service standards through advanced diagnostics, genuine parts, and digital-first support solutions. This collaboration also underscores their shared commitment to supporting India’s transition to sustainable mobility and providing customers with long-term reliability.

About VinFast
VinFast (NASDAQ: VFS), a subsidiary of Vingroup JSC, one of Vietnam’s largest conglomerates, is a pure-play electric vehicle (“EV”) manufacturer with the mission of making EVs accessible to everyone. VinFast is currently embarking on its next growth phase through rapid expansion of its distribution and dealership network globally and increasing its manufacturing capacities with a focus on key markets across North America, Europe and Asia.

Learn more at: vinfastauto.in

About Castrol India Limited
Castrol India Limited, part of the bp group, is a leading lubricant company with a 115-year presence in India. Known for its innovation and high-performance products, Castrol offers trusted brands like Castrol CRB, Castrol GTX, Castrol Activ, Castrol MAGNATEC, Castrol EDGE, and Castrol POWER1. Serving various sectors including automotive, mining, machinery, and wind energy, Castrol India operates three blending plants and a wide distribution network, reaching over 150,000 retail outlets nationwide. Globally, Castrol has been driving technological advancements for 125 years.

For more information, please visit www.castrol.co.in

The 2025-26 National Young Authors’ Fair, World’s Largest Creativity & Storytelling Festival for School Students, Launches in India on 2nd October

BriBooks and Education World proudly announce the launch of the 2025-26 edition of the National Young Authors’ Fair (NYAF), the world’s largest creativity and storytelling event for school students. Over the years, NYAF has inspired 1.3 million+ young creators from 32+ countries, setting a global benchmark for innovation, imagination, and student-driven publishing.

The National Young Authors’ Fair brings together young storytellers, educators, and global dignitaries to celebrate creativity and storytelling

The India edition of NYAF is recognized as a landmark event in the national academic calendar, giving students from Grades 3-12 across CBSE, ICSE, IB, and IGCSE schools the opportunity to explore their creativity, sharpen their storytelling skills, and publish their own books-all at no cost.

Since its inception, NYAF has served as a launchpad for India’s youngest creative voices. Alumni have represented the country at prestigious international literature festivals including the Asian Festival of Children’s Content (Singapore), Sharjah Children’s Reading Festival (UAE), Brooklyn Book Festival (USA), and Barnes Children’s Literature Festival (UK). Some have even gone on to receive the Pradhan Mantri Rashtriya Bal Puraskar, India’s highest civilian award for children.

Beyond individual achievements, NYAF also recognizes the schools and educators who make creativity thrive. Each year, the Fair honors institutions with Literary Leadership Awards at City, State, and National levels. Special commendations celebrate school leaders, teachers, and coordinators who inspire and encourage students to express themselves, helping storytelling and creativity become part of everyday learning.

Speaking on the occasion, Ami Dror, Founder of BriBooks and President of NYAF, said, “Every child is a storyteller. NYAF ensures that their creativity is nurtured, published, and celebrated on the world stage. By honoring both students and educators, we showcase how creativity flourishes when entire communities come together.”

Bhavin Shah, CEO of Education World, added, “We are proud to support NYAF as it transforms education by embedding creativity and storytelling into the heart of learning. Recognizing schools and educators through Literary Leadership Awards highlights the collective effort that sparks individual brilliance.”

The 2025-26 NYAF India edition launches nationwide on 2nd October 2025, coinciding with the birth anniversary of Mahatma Gandhi-an apt reminder of the power of words and stories to inspire change.

Bihar Boy Raised by Single Mother in Poverty Wins 88,70,973 INR Global Student Prize

Adarsh Kumar, an 18-year-old innovator from Bihar, India, who grew up in poverty and travelled alone to Kota, Rajasthan, aged 14 and with just 1,000 Rupees in search of a better education, has been named the winner of the Chegg.org Global Student Prize 2025. This $100,000 award is given annually to one exceptional student who has made a real impact on learning, the lives of their peers and on society beyond. He was selected from almost 11,000 nominations and applications from 148 countries around the world. Adarsh, a student at Jayshree Periwal International School, accepted the award in London, UK.

Nathan Schultz, CEO of Chegg, Awards Adarsh Kumar the Chegg.org Global Student Prize in London

Chegg.org partnered with the Varkey Foundation to launch the annual Chegg.org Global Student Prize in 2021. It is a sister award to the Varkey Foundation’s $1 million Global Teacher Prize and newly launched $1 million Global Schools Prize. The intention was to create a powerful new platform to shine a spotlight on extraordinary students who are reshaping communities and the world through innovation, leadership, and service. The prize is open to all students who are at least 16-years-old and enrolled in an academic institution or training and skills programme. Part-time students as well as students enrolled in online courses are also eligible for the prize.

Born in Champaran, Bihar, Adarsh Kumar was raised by a single mother who cleaned homes to fund his education. When she spent her life savings on a laptop, it became his gateway to possibility. Through YouTube and Google, he taught himself coding, start-up skills, and entrepreneurship.

At just 13, he launched the non-profit Mission Badlao with his sister-in-law, mobilising his community and achieving real change, including securing land for a new government school, facilitating 2,000+ COVID vaccinations, distributing menstrual health products, and planting 3,000 trees.

Determined to break barriers, at just 14 and with only 1,000 Rupees, he headed alone to Kota, hundreds of miles away, in pursuit of coaching for the Indian Institute of Technology Joint Entrance Examination.

Unable to afford the coaching, he camped out in libraries, using free Wi-Fi to cold-email mentors, land internships, and shadow start-up founders. These experiences became the foundation of Skillzo, a transformative platform launched in 2023, equipping underserved high school students with mentorship, entrepreneurship training, and real-world opportunities. By designing tailored courses and sourcing industry experts aligned with students’ ambitions, he built more than just a programme – he built a launchpad for futures. In just over two years, Skillzo has already empowered over 20,000 students, many of whom have gone on to earn scholarships, launch ventures, and win national awards.

At its core, Skillzo is about giving young people the tools, confidence, and connections they need to shape their own destinies.

Adarsh independently sat for his Grade 10 board exams which allowed him to win a full scholarship to Jayshree Periwal International School in Rajasthan, one India’s best IB schools, worth 30 lakh Rupees.

Here, he helped three other students secure the same life-changing support. As CMO of Bihar Chhatra Sansad, the state’s largest student-led policy forum, he has engaged 1,500+ youth in governance and raised $36,000 for student initiatives.

Internationally, he was named the youngest Google Youth Advisor, joining 52 global leaders shaping technology policy.

With the $100,000 prize money, Adarsh plans to launch SkillzoX, an AI-powered mentorship platform for rural learners, and the Ignite Fellowship, a global accelerator for student changemakers.

Nathan Schultz, Chief Executive Officer and President of Chegg, Inc. said, “At Chegg, we celebrate the ideas, passion, and courage of students who are shaping a better future for us all. Adarsh’s story is more than a personal triumph – it is a powerful symbol of the courage and grit of young changemakers everywhere, whose voices deserve to be heard and whose stories can inspire the world. Their stories remind us of the extraordinary impact students can have when they are given the support and platform to act on their vision.”

Sunny Varkey, Founder of the Varkey Foundation said, “Congratulations, Adarsh. Your journey is a powerful reminder that education is the greatest gift we can give – it opens doors, creates opportunity, and transforms lives. Through your determination and vision, you have shown how education can turn even the greatest challenges into a pathway to a brighter future. Most importantly, you have taken what you have learned and used it to make a lasting impact on the lives of many other young people.”

Applications and nominations for this year’s Global Student Prize opened on Wednesday 19 February and closed on Sunday 27 April 2025. Students were assessed on their academic achievement, impact on their peers, how they make a difference in their communities and beyond, overcome odds to achieve, demonstrate creativity and innovation, and operate as global citizens.

Last year’s winner was 18-year-old ngela Elena Olazarn Laureano, who helped create Ixtlilton, an AI-powered virtual medical assistant that can diagnose 21 diseases based on a series of questions. Designed with local medics during COVID-19, Ixtlilton helps people living in remote areas or far from medical centers determine if they need medical care.

If students were nominated, the person nominating them was asked to write a brief description online explaining why. The student being nominated was then sent an email inviting them to apply for the prize. Applicants were able to apply in English, Mandarin, Arabic, French, Spanish, Portuguese and Russian. To join the conversation online follow @cheggdotorg

Kundan Refinery Pvt Ltd. Honoured at IGC Excellence Awards 2025 as India’s Bullion Refining Leader

Award-winning bullion refining company Kundan Refinery Pvt Ltd. was proudly received a prestigious recognition at IGC Excellence Awards 2025, at Novotel & Pullman, Aerocity, New Delhi, on 12th September.

https://www.newsvoir.com/images/article/image1/33355_Kundan_Image_.jpg

Kundan shines at IGC Excellence Awards 2025 Mr Udit Garg, Mr Vidit Garg and team receive the Leading Gold Bullion Refiner Award, 2025

This award was conferred on Kundan Refinery Pvt Ltd. for its strong commitment towards purity, transparency, and excellence in the refining of gold. The organization has been upgrading the industry standard year after year through the implementation of the latest technology, ethical business practices, and innovative methodologies. Through the constant commitment to supplying the best standards of quality and customer relations on the basis of trust, Kundan Refinery Pvt. Ltd. is Indias bullion refining industry leader.

Mr. Vidit Garg, Director of Kundan Refinery Pvt Ltd. said, “We are immensely grateful and honoured to be appreciated at IGC Excellence Awards 2025. Not only is it a validation of our work but also the proof of the trust and faith that we have been able to win over our customers, partners, and employees. This kind of honour inspires us to strive even more and build an even stronger and transparent bullion industry in India.”

IGC Excellence Awards is Indias most esteemed industry event. It is conducted annually and recognizes excellence in gems, jewellery, and bullion firms. The years event was when the finest refiners, jewellers, and inventors in the country were all brought to one platform and made those individuals come to the forefront who had been consistently delivering excellence, innovation, and reliability in their line of business.

The 2025 awards also saw the industry giants in their best representation again the Kundan Refinery Pvt Ltd. raising new benchmarks in gold refining and sets an example for the industry as a whole., further attesting credibility and quality above all else as the definitive standard to opening the door for the bullion industry.

The award is a milestone and landmark, reaffirming the vision of the company as a socially conscious player in Indias new bullion economy.

About Kundan Group

Kundan has grown into one of the nation’s leading manufacturing and exporting companies of the 21st Century with a turnover of 4 billion USD. In recognition of the companys multi-business portfolio that encompasses a wide range of businesses – Minerals and Metals, Gold Refinery. Bullion and Green Energy has added to its versatile dynamism. Kundan has been awarded by the Government of India as a recognized Four Star Trading House’, a nominated company, also ISO 9001-2008 certified.

About Kundan Gold Refinery

Kundan Gold Refinery is a most treasured business unit of “Kundan”. For 15 years, KUNDAN has marked its presence in precious metals and continuously progressing for the tremendous achievements. Kundan care Products Limited established one of the largest Gold and Silver refinery in India known as “Kundan Gold Refinery’ well equipped with breakthrough technologies, trend setting labs and highest quality standards. Kundan Gold refinery is acknowledged as major importer of Gold and Silver. It is well known as largest private Gold refinery in India.

Pepper Content Unveils Index’25: The World’s First AI-Search Conference

Pepper Content today announced Index’25: Decoding AI Search, the world’s first virtual conference dedicated to Generative Engine Optimization (GEO). Scheduled for October 1, 2025, the event marks a defining moment in how marketers, enterprises, and innovators will approach the future of AI-driven discovery.

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Global leaders from tech, marketing, and AI set to speak at Index’25, the world’s first AI-Search conference decoding GEO/AEO, powered by Pepper Content

Index’25 will bring together CMOs, founders, VCs, SEO practitioners, and technology leaders for a full day of keynotes on the evolution of AI search, panel discussions, fireside chats, and practical workshops designed for enterprise leaders and practitioners. The event will also unveil Pepper’s latest GEO innovation, reinforcing its role at the forefront of AI-native discovery.

Today, with the rise of artificial intelligence, marketing has entered a new era where discovery is driven by LLMs operating on trust signals, memory, and retrieval.

Speaking on this shift, Anirudh Singla, Co-founder & CEO of Pepper Content, said, “Search is undergoing the most profound transformation of our time. Generative AI is redefining how people discover, trust, and engage with information, moving us from keywords and rankings to intelligence and context at scale. With Index’25, we want to equip leaders with the vision, frameworks, and tools they need to thrive in this new era of discovery.”

The conference will feature more than 25 marquee speakers, including some of the most influential voices in marketing, AI, and technology. Confirmed speakers include Neil Patel, Global Marketing Influencer; Paul Daugherty, Former CTO & CIO, Accenture; Sydney Sloan, Former CMO, G2; Eric Solomon, Former Global Brand Director, Spotify; Angelique Bellmer Krembs, Former CMO, PepsiCo; Mandy Dhaliwal, CMO, Nutanix; Anand Swaminathan, Senior Partner, McKinsey & Company; Joyce Hwang, Head of Marketing, Dropbox; Guy Yalif, Chief Evangelist, Webflow; Vamshi Sri, CMO, SASE, Palo Alto Networks; and Linda Caplinger, Head of SEO and AI Search, NVIDIA.

Together, these leaders will share insights through keynotes, panels, and workshops, offering businesses a blueprint for navigating GEO and AI-powered search.

Index’25 is designed as the beginning of a sustained global movement in GEO adoption. Beyond the conference, Pepper will continue to drive the conversation through implementation webinars, exclusive roundtables and dinners in major U.S. cities, and personalized GEO audits and clinics that will help enterprises build long-term competitive advantage. The rise of AI-native search is redefining the principles of digital visibility, as keywords and rankings give way to trust, authority, and retrieval at scale.

Registration for Index’25 is now open. To secure your spot, visit: www.peppercontent.io/index-25.

Ai+ Smartphone Introduces NxtPrivacy Dashboard, India’s First Built-In Real-Time Privacy Tool

Ai+ Smartphone today announced the launch of its latest innovation, the NxtPrivacy Dashboard. The feature gives users real-time visibility and control over how apps access sensitive data and is rolling out through a software update to all Ai+ Pulse 4G & Nova 5G devices. It is the first built-in privacy control for smartphones in India.

India has more than 650 million smartphone users. On average, each device carries 80 to 120 apps, many of which request permissions for the microphone, camera, or location, often continuing in the background without explicit consent. Tailored to India’s digital reality, the NxtPrivacy Dashboard is designed as a user-first innovation that makes privacy practical for everyday citizens.

“Privacy is no longer a privilege. It is a fundamental right for every smartphone user,” said Madhav Sheth, CEO of Ai+ Smartphone and Founder of NxtQuantum Shift Technologies.“With NxtPrivacy Dashboard, we are making that right simple and accessible by design. For the first time, Indian users can clearly see which apps are using sensitive permissions and take back control with a single tap. This Feature-Tech is crafted for our Indian consumers.”

Key features of NxtPrivacy Dashboard include

  • Real-time view of app activity across location, camera, microphone, contacts, and clipboard.

  • One-tap controls to revoke or modify permissions instantly.

  • AI-powered Privacy Score with recommendations to improve device security.

  • Category-based tabs for permissions management across camera, mic, location, gallery/ photos, folders, clipboard, and many more.

  • Smart alerts flag unusual activity, such as an app accessing the microphone at night or during the idle state.

  • User-enabled option to pause all trackers during sensitive moments, such as travel or public Wi-Fi use, as per user choice and preference.

Every tap, scroll, and voice command leaves a digital trace, often without user consent or awareness. The NxtPrivacy Dashboard makes hidden activity visible, empowering users to make informed choices and reinforcing Ai+ Smartphone’s commitment to transparency, data security, and digital sovereignty.

About Ai+ Smartphone
Ai+ Smartphone is a next-generation brand built in India, delivering reliable and high-performance mobile experiences. Powered by NxtQuantum OS, India’s first sovereign mobile operating system. The brand focuses on providing a clean design, ensuring long battery life, and maintaining trusted software performance, all while maintaining accessible price points without compromising on user experience.

About NxtQuantum Shift Technologies
NxtQuantum Shift Technologies is a deep-tech Indian company building secure, sovereign digital platforms for the mobile-first world. Founded by Madhav Sheth, the company develops NxtQuantum OS, India’s first sovereign mobile operating system, and is committed to building technology that is authored in India and globally competitive.

5paisa Capital Successfully Hosts Algo Convention 2025 at BSE

5paisa Capital Ltd. (www.5paisa.com). has successfully concluded its flagship event, the 5paisa Algo Convention 2025, held at the iconic Bombay Stock Exchange (BSE), Mumbai on September 27, 2025. The convention brought together a packed house of 700+ traders, investors, fintech innovators, quants, and finance professionals who explored the fast-evolving landscape of algorithmic trading.

5paisa Algo Convention Opening at BSE

The one-day convention ran from 9:00 AM to 6:00 PM and featured a rich mix of interactive panels, masterclasses, live demonstrations, and keynote sessions. Attendees gained actionable insights into Algo strategies and operational best practices, while also connecting with some of the leading voices shaping the future of trading in India.

Reflecting on the event, Mr. Gaurav Seth, MD & CEO, 5paisa Capital Ltd., said, “The overwhelming response to the 5paisa Algo Convention 2025 reaffirms our belief that knowledge-driven initiatives are the backbone of financial empowerment. By hosting such platforms, we are not only equipping traders and investors with practical strategies but also encouraging responsible and transparent participation in India’s capital markets. Our efforts remain aligned with SEBI’s vision of financial inclusion, ensuring that both new and seasoned investors have the tools they need to succeed.”

Key Highlights from the Event

  • Deep-Dive Sessions & Masterclasses:

  • “Data Points Research and Option Trading Strategies” by Vibhore Gupta

  • “Managing Portfolios of Algo Strategies” by Prodipta Ghosh

  • Debit Spreads – Positioning Trading in Indian Markets” by IT Jegan

  • “Building a Trading Strategy Using AI” by Santosh Pasi

  • “Masterclass on Investment & Trading through Algorithmic Systems” by Rakesh Pujara

  • ‘Powerful Time Cycles for monthly Swing Quant Trading” by Ashok Devnampriya

  • Two Panel Discussions: Engaging dialogues on “The Future of Algo Trading” and “Technical & Operational Aspects of Algo Trading” drew enthusiastic participation, sparking debates on regulation, transparency, and the integration of AI in financial markets.

  • Live Demonstrations & Networking: Attendees experienced live demos of 5paisa’s latest tools,products and offerings. Attendees also connected with peers and mentors during curated networking sessions over breakfast, lunch, and high tea.

The convention proved a landmark knowledge-sharing platform for Indian trading community. Participants left with practical insights, exposure to advanced tools, and strong industry connections, strengthening their ability to navigate the dynamic world of algorithmic trading.

About 5paisa Capital

5paisa Capital is one of India’s leading digital-first discount brokers, offering cost-effective and technology-driven financial services to retail investors. With a mission to democratize investing, 5paisa continues to innovate at the intersection of finance and technology, delivering seamless trading and investing solutions to millions across the country.