Hey I am Sanidhya Ratnawat.
Here to teach you the kind of finance you won't find in textbooks.The kind that builds real wealth, breaks outdated systems, and opens your eyes to how money truly works.
Contributor since: 2025
Articles: 17
Likes: 5
Comments: 0
Followers: 1
Following: 0
The lock-in period in an IPO in the Unlisted shares is basically a fixed time frame during which some shareholders like promoters, anchor investors and retail investors are not allowed to sell their shares in the market right after listing. Think of it like a safety rule. It makes sure that these big players don’t suddenly sell huge amounts of shares on day one which could crash the stock price. In short the lock-in period helps keep the market stable and protects small retail investors like us from panic situations. Now, let’s break down its important aspects in detail.
We all have heard the term Illiquid Stocks many times but most people get confused about what exactly they are. In simple words, illiquid stocks are those which are not actively traded in the market. This means they have very low trading volume, because of it the number of buyers and sellers for these stocks are very less. Because of this buying or selling such stocks takes time as it is difficult to find someone on the other side of the trade. Lets understand the other aspects of illiquid stocks.
Let’s understand what you mean by Alternative assets. They are basically those investments which are different from the traditional assets like stocks, bonds or fixed deposits. Examples include unlisted shares, real estate, hedge funds, venture capital, commodities, art and even collectibles. These types of assets are usually risky but highly rewardable. Big investors often use them to diversify their portfolio because if they put all their money into just 2 to 3 assets and those fall, then their overall investment value can go down significantly. That’s why diversification is very important.
Unlisted shares are taxed differently than listed shares, the tax treatment depends on the time we held the shares.If the shares are sold in 24 months the profit will be treated as Short Term Capital Gain (STCG) and taxed at the slab that matches your income (0 to 30%), when they are sold over 24 months then profit will become Long Term Capital Gain (LTCG) which is taxed at 20% with the indexation benefit (allowing adjusted purchase price to reflect inflation and lower your tax liability). By keeping accurate records, indexing when possible and timing your sale properly you can substantially reduce your tax liability.
Most people often get confused between the face value of a share and market value of a share. They may sound similar but in reality both are very different. By reading this article we assure you that you will never be confused again about these two terms. So, let’s dive in and clearly understand the difference between face value and market value of shares in the simplest way possible.
Investing in unlisted shares is becoming quite popular these days. Many investors see it as a way to get early entry into promising companies before they hit the stock market but when it comes to selling these shares the process isn’t as straightforward as selling listed ones. There are specific steps to follow some rules to be aware of along with certain risks you need to keep in mind. In this guide, we’ll break down what unlisted shares are, how you can sell them in an unlisted market , the tax aspects involved and the key risks to watch out for before any step.
In the world of investing the big stage belongs to the stock exchanges like NSE and BSE where companies perform under the spotlight everyday. But behind the scenes away from the flashy lights and hypes there is something which is quieter and more exclusive - The Unlisted Market of India. Here, the players are different: Ambitious Startups chasing their first funding. Mature and Private Businesses building empires without the noise of daily market swings. Pre-IPO Giants preparing for their grand debut in listed markets. Think Reliance Retail, HDB Financial Services, Tata Technologies names that investors dream of investing before the world notices. In this arena, patience is your ticket, research is your script and the timing is everything. Because in the unlisted world the real story often begins before the retail public notices.
Everyone knows about the stock market, the magical place where companies like Reliance, Infosys and HDFC get traded on a daily basis on big name exchanges like NSE and BSE but what if I told you there’s an entire parallel market that doesn’t make much headlines? A market where you can invest in the giants before they get listed. A market filled with companies like Nayara Energy, NCDEX, Capgemini and HDFC Securities the companies that don’t trade on NSE or BSE but still get bought and sold every single day. Welcome to the Secondary Market for Unlisted Shares India’s lesser known yet booming investment frontier. Think of it as the underground music bands, full of raw talent, hidden gems and undiscovered stars waiting to go mainstream. The secondary market for unlisted shares is not about IPOs or mutual funds. It’s where investors trade pre IPO shares, ESOPs of employees and stakes in private companies all before they go public. These shares don’t float on NSE or BSE. Instead, they’re traded via trusted intermediaries platforms and private networks where demand and supply find each other quietly.
When we talk about retirement planning many of you might ignore it and say “dekha jaayega”. But the truth is retirement planning is one of the most important financial steps in life and it should be started as early as possible. In this article, we will understand why retirement planning is so crucial and how unlisted shares can play a big role in making it successful. With this read we guarantee that you’ll gain new insights on how to manage your finances better and prepare not just for retirement but also for the kind of lifestyle you truly want.
We all have heard of bonus shares but sometimes there is a little confusion about what exactly they are, how they work and what benefits or risks are involved. Through this article we will understand about bonus shares in detail and we assure you that after this you will never be confused about them again.
Hero FinCorp is the one of fast growing NBFCs in India backed by Hero MotoCorp. It helps people by giving easy loans for two wheelers, personal needs and small businesses. With its strong network and simple digital process it supports both urban and rural customers to get the loan. Hero FinCorp is not just giving money, it’s helping people move forward in life. Whether it’s buying a bike or growing a business and that’s the reason it stands as a trusted partner in the progress.
In a country where millions still dream of owning a home there is one company that is quietly turning those dreams into reality, not in the skyscrapers of metros but in the bustling streets of Tier 1, Tier 2 and Tier 3 cities where 70% to 80% of India truly lives. Motilal Oswal Home Finance Ltd (MOHFL) isn’t just a housing finance company, it’s a lifeline for the real Bharat. The kirana shop owner, the local tailor, the chaiwala people full of ambition but often without formal documents to prove their income. Backed by the trusted legacy of the Motilal Oswal Group, MOHFL focuses on helping first time homebuyers, families in small towns and self employed individuals who are often ignored by traditional banks. It’s not just offering loans, it’s offering dignity, security and a solid roof over their dreams. Driven by local insights, powered by technology and guided by purpose the MOHFL isn’t just financing homes, it’s building futures. Because for some people, it’s never just a loan, It’s a launchpad.
Have you ever heard of derivatives not in stocks, but in grains? Yes - wheat, chana, mustard, sugar, pulses the very staples of your kitchen can be traded like financial instruments. Sounds unusual? But in India there’s a platform where this is not just possible, it’s the core of its identity. Meet NCDEX - the National Commodity & Derivatives Exchange. India’s one and only exchange entirely dedicated to agricultural commodity derivatives. A silent force in the background operating as the Agri Wall Street of India. On this platform, farmers, FPOs, traders and agri processors come together not to sell their harvest immediately but to lock in prices before harvest, to hedge against risk and to plan more efficiently in a market full of uncertainty. While others focus on metals and energy, NCDEX stands alone holding a monopoly-like space with nearly 90% market share in agri-commodity derivatives.
In a country where hospitals never rest and healthcare is needed every single day the Philips India Limited works silently in the background. As a part of the global Philips brand it provides life saving machines like MRI scanners, CT machines, ultrasound systems and patient monitors used in hospitals across India. It also builds smart healthcare software and digital platforms that help doctors and hospitals work better, which is not just in India but around the world. At the same time it reaches into Indian homes with trusted products like trimmers, air purifiers, baby care items and grooming tools. In short, Philips India is deeply rooted in the healthcare industry, one of the few industries that never stops even during tough times and with medical costs rising by around 13% every year in India the demand for quality healthcare keeps growing. Philips is right at the heart of this journey, steady, trusted and always ready.
Capgemini, a global leader in Consulting and IT services has always worked behind the scenes powering transformation for some of the world’s biggest companies. But its true value doesn’t shine in the calm it shows when the storm hits. When businesses are under pressure, cutting costs and searching for smarter ways to operate, Capgemini rises. With deep expertise and quiet consistency it helps companies stay afloat and move forward not loudly but effectively. A giant in every sense especially when it matters most.\r\n
NSDL and CDSL india\'s only two share depositories which play a critical behind the scenes role by holding shares in digital demat form and enabling secure transactions. As more and more people invest, both companies can naturally see growth in demat account openings, asset custody, and trading volumes.
Everyone knows NSE and BSE — India’s stock market giants. But what if we told you there’s a third stock exchange that most people have never even heard of?\r\n An exchange that launched with promise back in 2008… then quietly disappeared from the spotlight.\r\n Now, it\'s planning a bold comeback with fresh funding, new products, and the lowest trading costs in the country.\r\n Meet Metropolitan Stock Exchange of India — the exchange that never took off... but isn’t giving up yet.
