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Best Contra Mutual Funds in India - 2025.

As the Indian financial landscape evolves, diversifying investment portfolios has become crucial. For investors looking to capitalize on market inefficiencies, contra mutual funds offer a compelling opportunity. These funds target undervalued stocks with high growth potential. This article explores the best contra mutual funds to consider in 2025, providing data, expert opinions, and actionable insights. 

Key takeaways: 

Understanding contra mutual funds. 

Top-performing contra mutual funds in India for 2025. 

Expert recommendations and strategies. 

Market trends affecting contra fund performance. 

What are Contra Mutual Funds?  Contra mutual funds focus on undervalued or out-of-favor stocks with potential for future growth. These funds leverage market inefficiencies, investing in companies expected to perform well despite current low valuations. They tend to perform better during market downturns. 

Top Contra Mutual Funds for 2025: 

SBI Contra Fund - Consistently delivers robust returns, with a 5-year annualized return of 18.5%. 

HDFC Top 100 Fund - Invests in undervalued stocks, with a 5-year return of 17.2%. 

Aditya Birla Sun Life Pure Value Fund - Focuses on strong yet overlooked companies, with a 5-year return of 19%. 

ICICI Prudential Value Discovery Fund - Invests in undervalued stocks, delivering a 16.5% annualized return. 

Franklin India Value Fund - A consistent performer, with a 5-year return of 18.1%. 

Key Considerations: 

Time Horizon: Contra funds require patience for long-term gains. 

Market Conditions: Performance is influenced by economic trends. 

Diversification: A diversified portfolio can mitigate risks. 

Research: Thorough research is crucial for selecting the right fund. 

Expert Opinions:  Experts recommend contra funds for those with long-term horizons and the ability to endure market volatility. They emphasize the importance of understanding each fund's strategy and regularly reviewing performance. 

How to Invest: 

Assess your goals and risk tolerance. 

Research and compare funds. 

Consult a financial advisor. 

Invest through SIPs or lump sum, based on your preferences. 

Monitor performance regularly. 

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Tax Saving Tips for High-Salaried Employees in 2025 (Without Investments)!

Even without major investments, you can still reduce your tax liability. Here’s how: 

1. Use Standard Deduction 

Flat ₹50,000 deduction for all salaried individuals. 

Automatically applied—no paperwork needed. 

2. Claim HRA Exemption 

If you pay rent and get HRA in salary, claim HRA exemption. 

Exempt amount depends on your rent, salary, and city (metro/non-metro). 

3. Maximize Employee Benefits 

Leave Travel Allowance (LTA): Claim tax-free travel within India. 

Food Vouchers: Exempt up to ₹50/meal. 

Company Leased Car: Save tax on official travel costs. 

4. Deduct Medical Expenses 

Section 80D: Health insurance premium—₹25,000 (self/family), ₹50,000 (senior parents). 

Section 80DD/DDB: Claims for disability or critical illness treatments. 

5. Leverage Education-Related Benefits 

Section 80E: Deduction on interest paid for education loans (no upper limit). 

Scholarships: Some educational grants are tax-free. 

6. Deduct Charitable Donations 

Section 80G: Claim up to 100% or 50% of eligible donations. 

Keep receipts to claim during filing. 

7. Plan Income Timing 

Defer bonuses or advance expenses (like medical bills) to reduce current year’s tax. 

Helps optimize taxable income for the year. 

8. Claim Family-Related Deductions 

Tuition fees for up to 2 children under 80C. 

Medical & disability deductions for dependent family members. 

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Best Gold Investment Options in India – 2025!

Gold remains a smart choice for stability and long-term wealth. With evolving investment options, selecting the right one is key to maximizing returns while minimizing risks. 

Top Gold Investment Plans for 2025: 

Sovereign Gold Bonds (SGBs): Government-backed, 2.5% annual interest, tax-free on maturity.  Gold ETFs: Traded like stocks, offering high liquidity with no storage worries.  Digital Gold: Buy and sell online easily, with secure vault storage.  Gold Mutual Funds: Professionally managed, offering diversification.  Physical Gold: Traditional choice but with storage and purity concerns. 

Why Invest in Gold? 

Strong hedge against inflation and economic uncertainty.  Safe, stable, and a great way to diversify your portfolio.  Multiple options to match different investment goals. 

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Credit Card Insurance 2025: What You Need to Know!

What is Credit Card Insurance? Credit card insurance protects you from fraud, theft, and accidental damage to purchases made with your card.

How It Works

🔹 Pay a small fee monthly or annually for protection 🔹 Covers unauthorized transactions, damaged/stolen purchases, and more 🔹 Some plans include travel insurance & extended warranties

Types of Credit Card Insurance

Zero Lost Card Liability – No charges for unauthorized use

Purchase Protection – Covers stolen/damaged items bought with your card

3. Extended Warranty – Extra coverage beyond the manufacturer’s warranty 4.Travel Insurance – Protection for trip cancellations, lost baggage, and medical emergencies

Banks Offering Credit Card Insurance

HDFC Bank – Lost card & fraud protection IDFC FIRST Bank – Accident & theft coverage Axis Bank – Free insurance on select cards American Express – Travel & purchase protection

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Ayushman Bharat Scheme 2025: Benefits, Eligibility & Application

What is Ayushman Bharat? Launched in 2018, Ayushman Bharat is India’s largest government-funded health insurance scheme, providing ₹5 lakh per family per year for medical treatment to over 50 crore vulnerable citizens.

Key Benefits

Free Treatment at empaneled hospitals Covers 1,350+ medical procedures Cashless hospitalization for secondary & tertiary care Special coverage for senior citizens

Eligibility & How to Apply

✔ Based on SECC 2011 data (for low-income families) ✔ Check eligibility online via the official website ✔ Apply for Ayushman Bharat Card online & get cashless benefits

Ayushman Bharat Health Card (ABHA)

1.A digital health ID for secure medical records 2.Enables easy sharing of health history with hospitals

Challenges & Future Plans

1.Infrastructure gaps & awareness issues persist 2.Govt plans expansion & tech integration for better access

Impact on India’s Healthcare

1.Millions have received life-saving treatments 2.Improved healthcare access in rural areas