While President Trump’s 90-day tariff pause has come as a welcome respite for volatile equity markets, the fact that there continues to be policy uncertainty will mean that business investment is likely to be sluggish in the near-future. This increasing economic uncertainty is also why the Reserve Bank of India (RBI) changed its monetary policy stance from ‘neutral’ to ‘accommodative’ when it announced a 25 basis points cut in the repo rate to 6.00% earlier this month. This represents a significant shift in the RBI’s outlook – an accommodative stance effectively means that rate hikes are off the table for now and leaves room for further rate cuts if inflation stays under control.

Choose Shriram FD for High Returns, Beat Market Volatility

For Indian investors, this changing economic and policy environment is a signal to urgently rethink their asset allocation strategy, leaning more heavily towards the stability of fixed-return instruments. With global trade tensions still unresolved and India’s economic growth still under pressure, the likelihood of further monetary easing by the RBI looms large. This means that interest rates, especially on Fixed Deposits (FDs), may trend downward in the coming months. Many banks and financial institutions have already lowered their deposit rates following the recent repo rate cut. This presents a narrow window of opportunity for discerning investors to lock in higher returns with the few institutions that are yet to revise their rates downward.

The Smart Investors Response to Upcoming FD Rate Cuts

In times of market volatility and economic uncertainty, experienced investors know the value of predictability. FDs offer stability and predictable returns, making them a smart choice when equity markets are choppy and interest rates are on the way down.

Shriram Unnati Fixed Deposit, in particular, stand out by offering some of the highest interest rates in the market today. For investors seeking stability without compromising on returns amidst the market fluctuations, this is an ideal moment to take advantage of the current high interest rates.

Prospective investors are, therefore, encouraged to lock in Shriram FD’s high interest rates now to optimise their investment outcomes. This move can help mitigate the impact of future FD rate cut.

Key Benefits of Investing in Shriram Unnati Fixed Deposit

For those seeking a reliable investment option to navigate market volatility, Shriram Unnati Fixed Deposit offers a compelling set of benefits that cater to diverse financial needs and help maximise savings. Here are some of the key advantages:

• Predictable Returns: Shriram FD offers competitive interest rates, providing stability and predictability in uncertain financial environments. Customers can enjoy high interest rates up to 9.40%* p.a., inclusive of 0.50%* p.a. for senior citizens and 0.10%* p.a. for women depositors.

• Flexible Term Options: Investors can choose tenure options ranging from 12 to 60 months, allowing them to tailor their investments according to specific financial goals and risk tolerance.

• Multiple Interest Payout Options: Shriram FD offers diverse interest payout options-monthly, quarterly, half-yearly, yearly, and on maturity-enabling investors to manage cash flows effectively.

• Low Minimum Investment: Investors can begin their wealth creation with a minimum deposit amount of ₹5,000.

• High Credit Ratings: Shriram Finance is highly rated, with credit ratings of “[ICRA]AA+ (Stable)” by ICRA and “IND AA+/Stable” by India Ratings and Research, ensuring reliability for investors.

• Intuitive Digital Platform: The company offers a smooth customer experience through its seamless and user-friendly digital platform, facilitating easy management of the FD online.

Conclusion

Navigating market volatility in these turbulent times requires prudent investment choices. Shriram Unnati Fixed Deposit provides a reliable pathway to predictable returns and financial stability, helping investors build a reliable financial future despite market volatilities. By choosing Shriram FD, investors can make a strategic move towards maximising savings and achieving their long-term financial goals with confidence.

About Shriram Finance

Shriram Finance is a leading diversified financial services company in India, offering a wide range of financial products and services across consumer, wholesale, and business finance segments. The company has a strong presence pan India with a network of 3,196 branches and an employee strength of 79,405 with an AUM of Rs. 254,469 crores. With a focus on financial inclusion and customer-centricity, Shriram Finance continues to empower individuals and businesses to achieve their financial goals.

Disclaimer: With regards to deposit-taking activity of Shriram Finance Limited (‘SFL’), viewers may refer to detailed information and T&C provided in our application form available at www.shriramfinance.in/downloads. The Company is having a valid Certificate of Registration dated 31st January 2023 issued by the Bank under section 45-IA of the RBI Act. However, the Reserve Bank of India does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

Please note that Shriram Fixed Deposit does not carry the insurance cover provided by the Deposit Insurance and Credit Guarantee Corporation of India (DICGC). Investors are advised to carefully consider their financial situation before making an investment decision. Please refer to the detailed terms and conditions provided by Shriram Finance for a comprehensive understanding of the product.

In observance of the United Nations’ International Year of Glaciers’ Preservation, the Mobius Foundation, founded by Mr. Pradip Burman, convened a thought-provoking panel discussion titled “Water Towers of Asia: Cryosphere, Climate Change, and Solutions” at Bikaner House, New Delhi. The event marked Earth Day with a sense of urgency and purpose, bringing together eminent voices from academia, policymakers, and environmentalists to examine the critical state of the Himalayan cryosphere and its far-reaching implications.

Eminent experts and speakers gather at the panel discussion titled “Water Towers of Asia: Cryosphere, Climate Change, and Solutions” hosted by Mobius Foundation

The evening commenced with a keynote address by Mr. Praveen Grag, IAS (Retd.), President of the Mobius Foundation, who set the tone for the event with a compelling call to action. He emphasised the Himalayas as the “Water Towers of Asia” – a vast system of glaciers and snow is under severe threat due to accelerating climate change. Protecting these glaciers is not just an environmental imperative but a necessity for the survival of billions who depend on them. He stressed the urgent need for solutions based on science. He called for strong steps to reduce carbon emissions, while also encouraging people of all ages, especially the youth, to take part in protecting the environment and communities.

Moderated by climate policy expert Dr. Sulagna Chattopadhyay (Secretary General of the LIGHTS Foundation and Editor-in-Chief at Geography and You), the panel brought together an accomplished group of speakers including Prof. A.P. Dimri, Director of the Indian Institute of Geomagnetism in Mumbai; Mr. Brij Mohan Singh Rathore, IFS, Ex-Joint Secretary – Ministry of Environment, Forests and Climate Change; Ex-Chief Policy Advisor, ICIMOD, Kathmandu; Prof. Anil Kulkarni, Distinguished Visiting Scientist at the Divecha Center for Climate Change, IISc, Bengaluru; Captain (Retd.) Anurag Bisen, Senior Fellow at the Vivekananda International Foundation in New Delhi. All four panellists contributed insights from decades of their research, field experience, and policy engagement.

Prof. A P Dimri highlighted that the cryosphere is not isolated; it influences and is influenced by global climate systems. Changes in snow and ice patterns in the Himalayas can alter atmospheric circulation and precipitation patterns across South Asia. These shifts affect agriculture, hydropower generation, and monsoon dynamics. A deeper understanding of these interconnected systems is vital for developing accurate climate models and effective policy responses.

Mr. Brij Mohan Singh Rathore said Community-based conservation is no longer just a noble idea-it’s a necessity. Local communities that live closest to the glaciers have traditional knowledge that is crucial to protecting them. By involving them in planning and implementation, we not only enhance the effectiveness of conservation programs but also ensure long-term stewardship of these critical ecosystems.

Prof. Anil Kulkarni emphasised that accelerated glacial melt due to rising temperatures poses a grave threat to these natural water towers. If we continue on the current trajectory, seasonal water availability will become more erratic, increasing the risk of both floods and droughts. Long-term adaptation strategies and glacier monitoring are critical for ensuring regional water security.

Capt. (Retd.) Anurag Bisen highlighted that melting the Arctic and Antarctic ice will have global impacts on sea level rise, wind circulation, which he said will influence regional and global geopolitics.

Dr. Sulagna Chattopadhyay summarized the discussion and underscored how changes in the Himalayan cryosphere are triggering cascading effects in high-altitude ecosystems. She stressed the urgency of investing in robust cryosphere monitoring, strengthening local adaptation strategies, and strengthening transboundary cooperation for research and policy action.

Dr. Sudheer Kumar Shukla, Head – Think Tank, Mobius Foundation, gave the concluding remarks, emphasizing the importance of safeguarding the glaciers and also extending the vote of thanks to everyone. Dr. Sandip Tanu Mandal, Research Associate, Mobius Foundation, facilitated and coordinated the smooth conduct of the event.

About Mobius Foundation

Mobius Foundation is committed to advancing sustainable environmental practices, biodiversity conservation, and climate justice. The foundation aims to foster collaborative efforts to address global environmental challenges and promote sustainable development worldwide through events, research, and partnerships.

With advancements in artificial intelligence (AI) and robotics decimating clerical and manual jobs across a multitude of industries, a career in design has emerged as an attractive option for students across the world, including India. No wonder, UI and UX designers are among the top 15 fastest growing jobs, as per the World Economic Forums Future of Jobs Report 2025.

JK Lakshmipat University, Jaipur

However, design education is not restricted to UI and UX design. Nor is it limited to the commonly perceived domains of fashion or graphic design. In fact, there have been so much misperceptions around design education that many students often miss out on the opportunities that pursuing a Bachelor of Design (B.Des) programme can offer.

The first misconception is that students need to be from the science stream in class 12 to excel in a design career. “Nothing can be further from the truth. As premier design institutes across the world are adopting an interdisciplinary approach to design education, students from any stream can excel in their design careers provided they have a scientific temper, a sense of inquiry and a bundle of creative energy,” said Professor A. Balasubramaniam, Director, Institute of Design, JK Lakshmipat University.

While it is true that some design institutes require their students to be from the science stream, opportunities are now abounding for students from all streams with the evolution of design curricula and demands of the times.

Secondly, students often tend to assume that a B.Des degree is all about mastering technology tools and excelling in visual perceptions. The reality is far from it. A B.Des degree from institutions that offer interdisciplinary curricula prepares students not only to embark on a path of creative journey, but it also equips them to solve pressing global problems.

Designing Solutions

Without a design thinking perspective, for example, you cannot imagine bridging the digital divide. It is thanks to the ingenious designers that we have affordable devices which have made internet accessible to millions of Indians.

Similarly, can we imagine advancing the sustainable development goals (SDGs) without sustainable packaging or designs that support the use of renewables The answer is a clear “no”.

So, in addressing all complex global problems, be it the issues of inequality, climate change mitigation, or improving the quality of life of the physically challenged or the elderly, the world looks up to the designers to produce innovative solutions.

Students in design institutes should be trained from the beginning to be critical thinkers and versatile so that they can see the big picture and come up with timely and practical solutions to the issues at hand. Training on systems designs can prepare them to take on complex global challenges.

“Design students of today are expected to solve complex systemic problems. That is one of the reasons why the Institute of Design at JK Lakshmipat University has adopted a multidisciplinary approach to design education where students can hone not just conventional design skills but can also learn empathy, develop deep sensitivity to human beings and understand their context,” said Dr. Devanuj K. Balkrishan, Professor at JKLU.

Diverse Pathways

For a B.Des student wanting to make a mark in the world, he or she should look beyond conventional design disciplines and explore what contemporary disciplines such as the following can offer: Interdisciplinary Design, Interaction Design, Product Design and Integrated Communication Design.

A B.Des in Interdisciplinary Design, for example, aims to equip graduates with comprehensive skill sets, blending technology with traditional design principles. Interdisciplinary designers of today are adept at handling a wide range of roles with ease — from designing campaigns for advertisements to running startups offering multiple design solutions.

Similarly, the focus of Product Design has expanded so much over the past few years that graduates specialising in this area are now tackling critical social issues – offering solutions for areas without electricity by designing battery operated lamps to providing drinking water to communities with rollable tanks.

“Similarly, Interaction Design has advanced beyond User Interface (UI) design to integrate the pencil with the pixel, setting the stage for designers to pioneer immersive ways of people-to-people, people with devices and devices with devices interactions,” Professor Balasubramaniam said.

An Integrated Communication Design approach, on the other hand, encompasses both analogue and digital designs, dealing with a broad range of areas including data visualisation, reporting and writing.

“A contemporary curriculum, however, is not enough to make graduates ready to face the challenges of the real world. What they also need is project-based learnings, global exposure, and training in communications and critical thinking,” said Raj Gopal Menon, Professor & Dean, Institute of Design, JK Lakshmipat University.

About JK Lakshmipat University, Jaipur

Founded in 2011 by the 140-year-old J.K. Organisation (JKO), JK Lakshmipat University (JKLU) continues JKOs legacy of excellence and commitment to nation-building. Accredited with an A grade by NAAC, JKLU is at the forefront of innovation, blending academia with industry through its interdisciplinary programs in engineering, management, and design that prepare students to excel in an ever-evolving workspace.

JKLUs faculty includes accomplished scholars from globally renowned institutions such as the IIMs, IITs, NIDs, and other top universities worldwide. The university’s curriculum focuses on interdisciplinary learning, hands-on projects, and practical problem-solving, providing students with the flexibility and choice of tools they need to address complex challenges and drive a meaningful change.

The universitys strong industry connections, real-world projects, and immersive internships form a core part of the JKLU experience, bridging the gap between academic knowledge and practical application. Through strategic partnerships and exchange opportunities with leading institutions in India and abroad, students gain a global perspective that enriches their education and broadens their horizons.

At JKLU, students also benefit from access to cutting-edge centers such as the Centre for Critical Thinking and Communication, the Atal Incubation Centre, and the AIMA Biz Lab. These platforms foster innovation, entrepreneurship, and critical inquiry, encouraging students to explore new ideas and develop a problem-solving mindset.

MARS Petcare, a global leader in pet nutrition and care, has unveiled its new digital-first campaign for the PEDIGREE brand in India gravy’s range, celebrating the deepening bond between pets and their parents. The campaign features Bollywood actor and devoted pet parent Bhumi Pednekar. The campaign employs innovative storytelling to show Pedigree gravy as more than just a meal-it’s a language of love. In the ad film, Bhumi Pednekar is seen sharing heartfelt moments with their beloved dogs, illustrating how offering a pouch of Pedigree gravy becomes a daily act of care and affection.

The PEDIGREE brand in India Reimagines Pet Nutrition as a Love Language in its Latest Campaign with Bhumi Pednekar

The PEDIGREE gravy range is meticulously formulated to provide 100% complete and balanced nutrition, ensuring that dogs receive the appropriate amounts of proteins, fats, carbohydrates, vitamins, and minerals in every meal.

Beyond nutritional completeness, gravy offers several advantages that are sometimes overlooked. Its higher moisture content aids in maintaining proper hydration, crucial for overall health. The rich aroma and texture make wet food more appealing, especially for picky eaters. The soft consistency is gentle on the digestive system, beneficial for dogs with certain medical conditions.

The PEDIGREE gravy range, suitable for puppies and adult dogs, is made with real chicken in gravy and is a rich source of high-quality protein, calcium, dietary fiber, Omega 6, and Zinc-supporting holistic health and everyday vitality.

By integrating these functional benefits with the emotional narrative of love and care, the campaign aims to educate pet parents on making informed dietary choices that enhance their pets’ health and happiness.

Ayesha Huda, Chief Marketing Officer, MARS Petcare India, commented: “We launched this campaign to celebrate the unconditional love between pets and their parents and to highlight the PEDIGREE gravy’s range as a meaningful expression of that love through complete and balanced nutrition. Our gravy not only offers delicious taste but also supports better hydration, improved digestion, and overall well-being for dogs.”

She further added ” Recent surveys indicate that over 60% of Gen Z and millennial pet parents in India view their pets as family and are actively seeking better nutrition options. Many are realizing that home-cooked food alone may not meet the specific nutritional needs of dogs, particularly concerning calorie conversion and complete nourishment. With Bhumi as a partner for the campaign we’re connecting emotionally while also educating pet parents on how simple choices like incorporating gravy food can significantly enhance their pet’s health. This initiative is not just about growing our brand-it’s about advancing the category by making nutrition more accessible, relatable, and heartfelt.”

India’s pet parenting landscape is undergoing a significant transformation. Pets are now considered integral family members, leading to a heightened focus on their health and nutrition. This shift underscores the importance of providing diets that are not only lovingly prepared but also nutritionally comprehensive.

Bhumi Pednekar shared, “My partnership with the PEDIGREE brand in India is a natural extension of the deep love I have for my pet. PEDIGREE is a legacy brand committed to delivering 100% complete and balanced nutrition, an intention I wholeheartedly support. Our campaign celebrates the special bond we share with our pets and highlights how we can express our love in a sweet and playful way. I couldn’t help but say ‘I love you’ to both Pedigree and my pet in the same breath. PEDIGREE’s wet food range is the perfect choice for my pet because it meets its nutritional needs and has an irresistible taste.”

The campaign, produced by Kulfi Collective, extends beyond digital platforms through interactive installations in dog-friendly parks and collaborations with key regional influencers, ensuring widespread reach and cultural resonance. With ‘I Pouch You’, The PEDIGREE brand in India combines emotional storytelling with product education, reinforcing the message that feeding better is not just a choice-it’s an act of love.

Ad Links: Pedigree Gravy – Bhumis Unconditional Love for Beau Bhumi and Beau Play Who’s More Likely To

About Mars Petcare
Mars Petcare, part of Mars, Incorporated, is a global leader in pet care with over a century of history in advancing the health and well-being of pets. With brands like PEDIGREE, WHISKAS, ROYAL CANIN, GREENIES™, and SHEBA, Mars Petcare serves the needs of pets in more than 50 countries. Its commitment to pet health extends through veterinary care, genetic research, and a deep-seated mission to create “A BETTER WORLD FOR PETS.” With a focus on innovation and a belief in the power of pets, Mars Petcare is dedicated to nurturing the bond between pets and their families around the world.

Cycle Pure Agarbathi inaugurates the 13th edition of the Tiger Cup 2025, a cricket tournament for the under 12, under 14 and under-16 category, in Bengaluru today. Scheduled to take place from April 21 to May 13, the tournament has also announced the launch of a girls cricket tournament as an initiative to provide a platform and groom young cricketers. The event was inaugurated with the lighting of a 6-feet Agarbathi by the girls who will be participating in the tournament and Principal Dr. Bhimasen Soragaon, Dean Welfare, Dr. Mahesh Kumar, Admin officer Shri. Veeresh C S from JSS Academy of Technical Education, Bengaluru, alongside Cricket Expert Mr. Joseph Hoover.

Cycle Pure Agarbathi inaugurates the 13th edition of Tiger Cup Tournament

Featuring under-12, under-14, and under-16 categories, matches today started at JSS Academy of Technical Education with teams from Bengaluru, Mysuru, Dharwad, Koppal and Belgaum participating. The tournament continues its aim of nurturing young cricketing talent and promoting the sport in the region.

Created by renowned cricket players, Sandeep Patil, Harbhajan Singh and Yusuf Pathan, the Tiger Cup Tournament is one of the most coveted events that brings 56 talented teams together, including over 900 players from all around India. The 13th edition of the Tiger Cup 2025 will be dedicated to raising awareness on the importance of conserving wildlife, with the proceeds of the event donated towards forest foot soldiers for their commendable service in protecting the forests and wildlife in the country.

Held annually, the event will not only commemorate and celebrate the talents of young players, but through the partnership with Cycle Pure Agarbathi, will also felicitate forest staff. As part of this, it has contributed Rs. 4 lakh towards the felicitation, with Rs. 1 lakh each awarded to 2 forest staff from Karnataka, 1 from Kerala, and 1 from Tamil Nadu, recognizing their dedication to wildlife conservation. Additionally, Rs. 1 lakh has been an extended support to encourage the participation of girls through the newly introduced girls categories this year in the Tiger Cup 2025.

Speaking on the occasion, Mr. Arjun Ranga, Managing Director of Cycle Pure Agarbathi said, “We are proud to host the 13th edition of the Tiger Cup 2025, which, for the first time, includes felicitation of the forest staff and a dedicated girls’ cricket category. At Cycle Pure Agarbathi, we believe that sports play a pivotal role in shaping young lives, and through this initiative, we are committed to creating new opportunities for aspiring female cricketers. The tournament also continues to honour the unwavering dedication of our forest staff, who work relentlessly to protect India’s rich biodiversity.”

Cricket Expert, Mr Joseph Hoover said, “The Tiger Cup 2025 is a celebration of budding cricketing talent, and it’s wonderful to see the inclusion of girls category in this edition. It reflects the true spirit of the sport – one that’s inclusive, inspiring and full of opportunity. It’s been a privilege to witness young talents take their first steps towards greatness through this platform, and I wish them all the best in their journey ahead.”

The legacy brand Cycle Pure Agarbathi is committed in its stance to providing a platform for young talents to discover and compete in one of the largely celebrated sports around India. Cycle Pure Agarbathi has supported multiple formats of cricket tournaments throughout the years and are delighted to have partnered with the 13th edition of the Tiger Cup 2025.

About NRRS

The Mysuru-based NRRS was founded by Shri N. Ranga Rao in 1948. A true visionary and philanthropist, Shri Ranga Rao created the ubiquitous Cycle Pure Agarbathi which has, today, become the largest selling incense stick brand in the world. From a home-grown enterprise, NR Group has evolved into a successfully run business conglomerate with an established presence in India and abroad. The Group has diversified into various business categories like functional air care products (Lia brand of room fresheners and car fresheners), wellness home fragrance products (IRIS) under Ripple Fragrances, floral extracts (NESSO), and Rangsons Technologies. Today, it is truly an Agarbathi to Aerospace conglomerate as it is also involved in making parts for defence helicopters. The organization has largely committed towards social responsibilities and fulfills them, through its charity arm ‘NR Foundation’.

NR Group today is managed by the third generation of the Ranga family. For more information on NR Group, please visit www.nrgroup.co.in.

Ranga Rao Memorial School for Differently Abled by the NR Foundation, the philanthropic arm of the NR Group, has commenced the admission procedure for this year. The school is inviting applications from Visually Impaired students Karnataka for admission in the 2025-26 academic session.

RMSD for visually impaired students commences admissions for 2025-2026

Started in 1988, Ranga Rao Memorial School for Differently Abled is a free residential school initiated for visually challenged girls. The school operates under “Child centric project” and is supported by ‘Department of the Empowerment of Differently Abled and Senior Citizens’ Karnataka State. In the academic year 2017-2018 the school has received award of Best Service Organization in disabled sector from the Empowerment of Differently abled and senior citizen on the World Disability Day.

What started with two students is now a huge residential school that is changing the life of hundreds of visually impaired girls. It not only provides a safe haven and quality education, but also helps in holistic development and prepares students to live a life with dignity outside the school. Extra-curricular activities like dance, yoga workshops, singing competition, vocational training etc. are a part and parcel of life at RMSD. The school follows the state syllabus learning through Braille system taught by highly qualified teachers and imparts technology upgradation basic & computer skills.

It also provides parent counselling and organizes house-to-house visits to bring about awareness on the importance of educating and opportunities to visually impaired girls. Also, the all-round excellent performance of the students is a proof to the dedication and high-quality service rendered by the teachers and staff of RMSD.

The volatility in the stock market has caused jitters among investors. However, investment opportunities can often be found even in seemingly unfavourable times.

Bajaj Finserv AMC has launched the Bajaj Finserv Nifty 50 Index Fund

The latest market correction, for instance, presents an opportunity to invest in large cap companies. As per data from NSE, the Nifty 50 Index as on February 28, 2025, was trading below its average historical* valuations, putting it in a favourable position for long-term investment. *Past performance may or may not be sustained in the future.

Against this backdrop, Bajaj Finserv AMC has launched the Bajaj Finserv Nifty 50 Index Fund. The New Fund Offer period began on April 25, 2025, and is on till May 9, 2025. This article tells you more about why this may be an opportune moment to invest in a growing India’s corporate giants.

What is a Nifty 50 Index Fund

An index fund is a passively managed mutual fund that replicates the portfolio of a stock market index. The fund’s portfolio comprises the same stocks in the same weightage as the benchmark and the fund seeks to mirror the performance of that index, subject to tracking error.

The Nifty 50 Index Fund comprises the companies top 50 companies in terms of market capitalisation listed on the National Stock Exchange. Typically, these are industry leaders with strong a market presence, healthy balance sheets and a track record* of sustainable growth. A Nifty 50 Index Fund gives investors a convenient way to invest in these companies without having to select individual stocks. Some of its advantages include:

• Diversification: Exposure across multiple sectors reduces reliance on any single company’s performance.

• Lower costs: Index funds generally have lower expense ratios compared to actively managed funds.

• Market-aligned performance: The Nifty 50 has historically* delivered relatively stable returns over extended periods, making it a suitable option for those seeking long-term wealth creation with lower volatility.

*Past performance may or may not be sustained in the future.

Why invest in a Nifty 50 Index Fund now

India’s economy is on an upward trajectory, and its large corporations have been significant contributors to this growth. India’s economy became the fifth largest in the word in 2023, and is projected to reach No. 3 by 2030, following only the United States and China*.

*Source: Bloomberg, IMF, World Bank 2030 estimates from CEBR (The Centre for Economics and Business Research)

Moreover, the current market environment has created an opportunity for long-term investments in the large cap space. Data indicates that the index is currently trading at lower-than-average Price-to-Earnings (P/E) and Price-to-Book (P/B) ratios. For instance, the Nifty 50 trailing P/E was at 19.67 as of Feb 28^th, 2025, well below the historical average of 24.81, as per data from NSE India. The Nifty trailing P/B, similarly, was at 3.29, against a historical average of 3.69. In simpler terms, this means that valuations for the Nifty 50 companies are below historical averages.

*Past performance may or may not be sustained in the future.

What should investors do

If this trend plays out, large caps could offer better risk-reward compared to mid and small caps in the near term. Investors may consider rebalancing their portfolio accordingly. However, market conditions and valuations should always be assessed before making investment decisions.

Stock markets go through cycles, and after a period of correction, indices often recover*.

Undervalued stocks – those that are trading at a price lower than their intrinsic value – offer growth potential because investors get the opportunity to buy them at favourable prices and potentially make gains when if rest of the market recognises their true potential.

The recent correction has created also a widening gap between Nifty 50 earnings and valuations. This valuation gap, given the fundamental qualities of the Nifty 50’s companies and their market positions, positions the index favourably for potential future growth.

*Past performance may or may not be sustained in the future.

Bajaj Finserv Nifty 50 Index Fund

For those looking to gain exposure to the Nifty 50, a well-structured index fund can provide a convenient and cost-effective way to participate in the market. The upcoming Bajaj Finserv Nifty 50 Index Fund can be one such avenue. Here are some of its key features:

• Relatively lower expense ratio than actively managed funds.

• Aims to closely replicate the performance of the Nifty 50 with minimal tracking difference.

• No fund manager bias and minimal intervention.

• Focus on delivering the potential for long-term wealth creation through a disciplined passive investment strategy.

During the ongoing NFO period (ending on May 9, 2025), units will be available at a face value of Rs. 10. Thereon, when the fund reopens for subscription, units will be available at the applicable Net Asset Value. Both lumpsum and Systematic Investment Plan options are available. You can invest directly through Bajaj Finserv AMC online or offline, or through a registered mutual fund distributor.

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