India’s Growth Momentum in Jeopardy as Private Investments Cool and Tariff Risks Rise

Welcome Back Investor!

India’s rupee bond market is treading lightly this week, with global tremors from U.S. Fed moves and fresh tariff talks shaking investor confidence. The cautious mood underscores how tightly domestic rates are dancing to Washington’s tune.

Let’s dive in!

But before we start!

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Today’s Market Menu

▪️ Impact News

▪️ Markets

▪️ Everything else you need to know today

▪️ Special

▪️ Mindset

▪️ Stock Screener to up your game

IMPACT NEWS

🇮🇳 India’s Economic Momentum: What’s Slowing It Down?

India's growth engine is powerful - but even the best engines face friction.

According to the Finance Ministry, two major risks could limit India’s economic momentum:

🔻 Tariff uncertainties - Frequent changes in import/export duties create unpredictability for businesses, especially in manufacturing and trade-heavy sectors.

💸 Weak private investment - Despite strong government spending, private capex remains subdued. Businesses are hesitant to deploy capital, possibly due to global uncertainty or high input costs.

While domestic consumption and services are holding strong, sustained GDP growth requires a revival in private-sector confidence.

📊 What’s needed?

• Policy stability

• Predictable tariffs

• Infrastructure push

• De-risking capital allocation

India is still among the world’s fastest-growing economies. But without private sector participation and trade predictability, momentum could plateau.

Reforms must not just be announced - they must translate into trust and long-term investment clarity.

MARKETS

The Indian markets wrapped up today with a sharp downturn - Sensex plunged 572 points (-0.70%), Nifty 50 slipped 156 points (-0.63%), and Nifty Bank saw a heavy 444-point dip (-0.79%). Midcaps weren’t spared either, with Nifty Midcap 100 dropping 490 points (-0.84%). The red streak signals rising investor caution amid global uncertainty and domestic macro jitters. Buckle up - it’s a volatile ride ahead.
_{Closing figures as on 28.07.25 (3.30pm IST)}

🔎 In Focus

Stock Performance:

Top Gainers

✅ Shriram Finance (+2.8%) Stock rallied after strong Q1 results showing 9% YoY profit growth and 17% AUM expansion. Lower NPAs and analyst upgrades boosted sentiment.

✅ Cipla (+2.6%) Q1 profit rose 10% YoY with strong international sales and stable margins. Brokerages raised targets, sparking buying interest.

✅ Hero MotoCorp (+1.4%) Auto sector support and steady investor confidence kept Hero in green. No major news, but technical favored upside.

✅ HUL (+1.08%) FMCG stocks like HUL gained as defensive bets in a falling market. Technical indicators pointed to bullish signals.

Top Losers

🔻 Kotak Mahindra Bank (–7.4%) Stock tanked after a weak Q1 - profit fell 7%, NPAs rose, and margins shrank. Multiple broker downgrades triggered heavy selling.

🔻 Bajaj Finance (–3.6%) Despite decent group earnings, concerns over asset quality and sector slowdown weighed down the stock.

🔻 Wipro (–3.5%) IT stocks slipped after TCS announced job cuts, sparking sector-wide concerns. Wipro followed peers into red territory.

🔻 IndusInd Bank (–2.6%) Pre-result jitters and governance concerns ahead of Q1 dragged the stock. Investors remain cautious amid rising provisions.

Q4 RESULTS

^{Click on company name for result pdf} 

INDIA FRONTIER

Everything else you need to know today

📊 Slowdown: India’s personal loan market just clocked a double-digit volume spike - but the FY25 growth rate isn’t quite matching past highs. It’s a tale of rising demand tempered by tightening credit filters and wary lenders.

⚡ Disruption: JSW Group just flipped the switch on its EV ambitions, unveiling a new unit aptly named ‘New Energy.’ With plans to shake up India’s electric vehicle space, the steel-to-energy conglomerate is gunning for Tesla-esque disruption, homegrown style.

🚗 Preference: Global automakers eyeing India’s EV market are bypassing New Delhi’s central EV policies in favor of more lucrative, flexible state-level incentives.

🌍 Expansion: Travel-tech giant MakeMyTrip just inked a deal with Premier Inn to broaden its hotel footprint across the UK. For Indian travelers eyeing British getaways, this partnership could mean more options, better deals, and seamless booking experiences.

SPECIAL

📈 NSDL IPO: A Quiet Giant Steps Into the Limelight

India’s first and largest depository NSDL is going public. But beneath the buzz lies a business model most investors barely understand.

Insights from its RHP:

💼 Business model: NSDL securely holds and manages securities in dematerialized form. Think of it as the backbone of India’s capital markets.

📊 Strengths:

60M+ active investors
99%+ market share in demat value
Low-risk, transaction-fee-based revenue

⚠️ Risks

Heavy regulatory dependence
Competition from CDSL
Tech disruptions or cyber threats

💰 Financials:

FY24 PAT: ₹234 Cr
Healthy margins, but growth is moderate

Should you invest?

If you seek steady, infrastructure-style exposure to India’s capital markets - this may appeal. But if you're chasing high growth or innovation, NSDL is more of a stable compounder than a disruptor.

THE HANOOMAAN INSTITUTE

💸 Why Some People Never Move Forward Financially - Backed by Psychology

Ever wondered why two people with the same income end up in very different financial places? According to psychologists, it’s not just about money - it’s about mindset and behavior.

A recent breakdown reveals 7 destructive patterns that keep people financially stuck:

1. Blame-shifting - Always blaming the system, boss, or economy.
2. Impulse spending - Short-term pleasure over long-term gain.
3. Avoidance - Not looking at bank statements or budgeting.
4. Chronic comparison - Living to impress rather than to grow.
5. Learned helplessness - Believing “I’m just bad with money.”
6. Fear of change - Resisting new income streams or investments.
7. Lack of long-term vision - No financial goals, just survival mode.

💡 The good news? These patterns are learned, not permanent.
With self-awareness and small consistent action, they can be unlearned.

Success isn’t just about earning more - it’s about behaving differently with what you earn.

If any of these patterns sound familiar, don’t feel bad - feel motivated.
Financial freedom starts with internal rewiring.

🧠 Change your patterns, change your path.

SUPERCHARGE YOUR INVESTING SKILLS

STOCK SCREENER TO UP YOUR GAME

Time to BUY
by - Kaushikjgec

Debt to equity< 1 AND
Sales growth 3Years > 12 AND
Profit growth 3Years > 15 AND
Average return on capital employed 3Years > 20 AND
Average return on equity 3Years > 20 AND
Average dividend payout 3years > 10 AND
Market Capitalization > 500 AND
Market Capitalization < 800000 AND
(OPM last year + OPM preceding year) > 15  AND
(NPM last year + NPM preceding year) > 8 AND
((Debtor days < 60) OR ((Inventory turnover ratio * NPM last year)  > 100 ))

Thanks for reading.

Until tomorrow!

Hanoomaan India Business team

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