Introduction: CAMS Stays on Top with Strong FY25 Performance

Computer Age Management Services Ltd (CAMS), India’s largest SEBI-registered registrar and transfer agent for mutual funds, has once again showcased robust growth in its Q4 FY25 and full-year financial results. Based in Chennai, CAMS has demonstrated strong performance across both its mutual fund and non-mutual fund businesses, reinforcing its leadership in the asset servicing space.

With a year-on-year revenue growth of 14.7%, a 10.2% rise in profits, and a remarkable expansion in live SIPs and investor base, CAMS is not just maintaining its dominance—it is strengthening it. Let’s unpack the key highlights from the earnings report and what they mean for investors and the mutual fund ecosystem in India.

Main Financial & Business Highlights

1. Solid Financial Performance Driven by Broad-Based Growth

CAMS reported consolidated revenue of Rs. 356.17 crore for Q4 FY25, up 14.7% YoY. EBITDA increased by 11.6%, with margins standing strong at 44.9%. The Profit After Tax (PAT) came in at Rs. 114.02 crore, marking a healthy 10.2% YoY growth. This brought PAT margins to a robust 30.9%, highlighting the company’s operational efficiency.

Basic EPS stood at Rs. 23.08 for the quarter. Notably, CAMS has maintained its profitability across segments, reflecting a well-diversified and stable revenue engine.

2. Mutual Fund Business: Market Leader with Deep Penetration

CAMS continued to lead the mutual fund registrar segment with a staggering 68% market share by AUM. It serviced 26 of the 51 AMCs in the industry. The company’s total assets under management grew 24% YoY, supported by a 29% YoY increase in equity assets.

Despite market volatility, equity net inflows were nearly flat YoY at Rs. 72,624 crore, but CAMS still posted an impressive 86% growth in FY25 equity inflows over FY24. Additionally:

• Live SIPs: 5.7 crore, up 18% YoY
• New SIP registrations: 86.6 lakh in Q4, flat YoY but 51% higher than FY24
• Unique investors: Crossed 4 crore, up 26% YoY, ahead of industry growth at 22%

Two new AMCs—Angel One MF and Unifi MF—launched their debut funds in Q4, bringing CAMS’ live AMC tally to 21. Another five are expected to go live within the next six months.

3. Diversification Pays Off: Non-MF Segments Shine

The non-mutual fund business, which now contributes 13.7% of CAMS’ total revenue, saw a YoY growth of 15.8%. This validates CAMS’ strategy of broadening its service offerings beyond mutual funds. Key contributors include:

• CAMSPay: 85% YoY growth; launched BIMAASBA for premium collection with three insurance firms
• CAMS Alternatives: Over 56 new mandates in Q4, with 200+ won for FY25; WealthServ360 platform continues to be a category leader
• CAMSRep: Now holds over 40% market share in the insurance repository space, with 11 million e-policies. LIC of India is now a client
• CAMSKRA: Added three top brokerages in Q4 FY25, expanding footprint in non-MF KYC registry
• Fintuple: Made its NPS debut with a leading PoP partner
• Think360: Launched Personal Finance Management module; implementation underway for a top financial app

This diversification not only de-risks revenue but also strengthens CAMS’ ecosystem play in India’s evolving financial infrastructure.

4. Consistent Value Creation for Shareholders

CAMS has a history of rewarding shareholders through dividends and consistent earnings growth. While this quarter’s EPS is Rs. 23.08 (not annualised), CAMS’ dividend-paying track record and stable cash flows suggest continued shareholder payouts in the future.

Given its EBITDA and PAT margins, CAMS remains among the top dividend-yielding fintech and financial services companies in India. This makes it attractive for long-term investors seeking steady income from equities, especially in a volatile market scenario.

5. Outlook for FY26: Expanding Horizons

With 5 more AMCs expected to go live in the next two quarters, CAMS is set to further consolidate its leadership in the mutual fund RTA space. Growth in the alternative asset platform, insurance repository (CAMSRep), and digital payment solutions (CAMSPay) will provide additional levers of revenue expansion.

Moreover, the rapid digitalisation in India’s personal finance and insurance ecosystem gives CAMS multiple cross-sell and upsell opportunities. Initiatives like Think360’s personal finance product and CAMSKRA’s growing relevance among brokerages will be worth watching.

As India’s financial sector grows, CAMS is positioning itself as a backbone infrastructure enabler, not just a back-office processor.

Conclusion: CAMS Delivers Across the Board

Computer Age Management Services Ltd has yet again proven why it continues to lead the Indian mutual fund ecosystem. With strong financial metrics, growing investor participation, expansion in high-growth adjacent verticals, and continued innovation, CAMS is on a promising path of long-term sustainable growth.

For retail investors, CAMS remains a company to watch—not just because of its numbers but due to its strategic relevance in India’s asset management and wealth infrastructure. As FY26 unfolds, CAMS looks well-equipped to not only grow but to lead India’s next financial transformation.

Explore more:

• Visit CAMS Official Website
• Check CAMS Stock on NSE
• CAMS Share Price on BSE

Introduction: When Markets Crash and Hearts Panic

After the 2025 market crash, a wave of uncertainty swept across Indian investors. Some said, “You should’ve stuck with FDs.” Others asked, “How do I earn regular income in this chaos?” For many, the crash wasn’t just about numbers going down—it was about dreams shattering and fear rising. So let’s cut through the noise and get to something solid.

Yes, the stock market will rise in the long term—but in the short term, you want stability. You want Rs. 10,000, Rs. 20,000, or even Rs. 1 lakh coming in monthly without selling your stocks. Is that even possible? Absolutely. And the answer lies in dividend investing. This blog will walk you through what dividends are, how they work, and how you can use them to build passive income—even after a crash.

1. Dividend Income: The Rent of the Stock Market

Everyone knows about stock appreciation—buy at Rs100, sell at Rs120, pocket the Rs20. Simple. But here’s a lesser-known gem: dividends. Just like a house gives you rent, a good stock can give you regular payouts called dividends.

When a company earns profit, it can either reinvest or share a portion with its shareholders. This is the dividend—usually announced per share. If Wipro declares a Rs. 5 dividend and you own 100 shares, you earn Rs. 500. You didn’t sell anything, but you earned something.

In short, dividends = regular income from stocks, even without trading. This is why dividend investing is gaining traction in uncertain times like post-2025.

2. Choose Wisely: Not Every Stock Pays

Let’s be clear—not every company gives dividends. Startups like Paytm or Zomato may prioritize growth over payouts. Meanwhile, established players like Wipro, ICICI Bank, or BPCL offer regular dividends—often even during market dips.

Here’s what you should check when picking dividend stocks:

• Profitability: No profits, no dividends.
• Dividend history: Look for consistent payouts over 3–5 years.
• Dividend yield: Aim for 1–4% annually. High yields (above 6–7%) could be unsustainable.
• Payout ratio: Ideally between 30–60% of net profits.
• Ex-dividend date: Buy the stock before this date to qualify for the dividend.

You don’t need to memorize these. Tools like Screener.in or Groww offer dividend data clearly.

3. Let’s Talk Numbers: What Rs. 1 Lakh/Month Looks Like

Let’s say your average dividend yield is 1.5%. To earn Rs. 1 lakh per month = Rs. 12 lakh per year post-tax. But remember—dividends are taxed as per your income slab. So, gross income needs to be around Rs. 18 lakh (assuming 30–33% tax).

Now divide Rs. 18 lakh by 1.5%. That’s a whopping Rs. 12 crore portfolio!

Too much? Start small. Even with a Rs. 5 lakh dividend portfolio, you’ll earn around Rs. 7,500 annually. Reinvest this, add fresh capital, and repeat. Over time, this snowballs into a powerful income machine.

4. How to Start Dividend Investing in 2025

Start slow, start steady. Here’s a practical plan:

• Start with Rs. 5,000 or Rs. 10,000 per month SIP into dividend-paying stocks or mutual funds.
• Reinvest all dividend income into the same or new dividend stocks.
• Pick a mix of large caps (Wipro, Infosys), mid caps (Castrol, ITC), and a few small caps cautiously.
• Use platforms like Smallcase to explore readymade dividend portfolios.
• Monitor dividend history and payout ratios annually. Adjust allocations every year based on performance.

As your salary or business income increases, scale up your investments. This is the most underrated form of passive income out there.

5. The Perfect Blend: Safety + Growth + Yield

Here’s a model asset allocation for a dividend income portfolio:

• 50–60% in blue-chip dividend stocks: Infosys, ICICI Bank, HDFC
• 20–30% in mid-cap dividend stocks: Castrol, PFC, REC
• 10–20% in high-yield stocks: BPCL, Coal India (carefully monitor sustainability)

This balance gives you steady income (from blue-chips), some growth (from mid-caps), and a yield boost (from high yielders).

Don’t forget—dividend investing is not about short-term returns. It’s a retirement game plan. The more patient you are, the more reliable your monthly income becomes.

Conclusion: Build Wealth, One Rupee at a Time

After a crash, it’s easy to panic. FDs seem safer, and yes—they’re stable. But they won’t make you rich. Dividend investing is your ticket to long-term wealth and short-term peace of mind.

By carefully picking solid companies, reinvesting dividends, and staying consistent, you can build a portfolio that supports your lifestyle—without selling your assets. Think of it as rent from your stock market “real estate.” You’re not just investing in stocks; you’re investing in freedom.

So, if you’re wondering what to do after 2025—here’s your answer: Build your dividend income portfolio. Start now. Grow slowly. Let compound magic do the rest.

Explore Dividend Smallcases like “Dividend Aristocrats” or “High Dividend Yield + Capital Appreciation” for easy setups with consistent returns.

Introduction: Your Path to Financial Freedom

Money doesn’t grow overnight. It grows with discipline, smart decisions, and a few golden rules. These financial rules are like thumb rules — you don’t have to follow them rigidly, but tweaking them slightly to match your life stage, family, city, or income will still give you a huge edge.

In this blog, we’ll cover 7 practical financial rules that every Indian must know to build wealth — from car buying to insurance, asset allocation, and even credit card behavior. Read on to find out which rules you already follow — and which ones you should adopt starting today.

1. The 20-4-10-50 Rule for Buying a Car

This rule helps you decide whether you can afford a car and how much to spend:

• 20% Down Payment: Always pay at least 20% of the car’s price upfront.
• 4-Year Loan Term: Don’t take a loan longer than 4 years.
• 10% EMI Limit: Your car loan EMI shouldn’t exceed 10% of your monthly income.
• 50% Rule: The car’s price should not exceed 50% of your annual income.

Example: Rishabh earns RS. 1 lakh/month (RS. 12 lakh/year). He can afford a car worth RS. 6 lakh max, pay RS. 1.2 lakh as down payment, take a 4-year loan, and ensure his EMI is under RS. 10,000/month.

2. The 3-20-30-40 Rule for Buying a House

Owning a house is an emotional goal for many Indians. But emotions should be backed by numbers:

• 3X Rule: Home cost should not exceed 3 times your annual income.
• 20-Year Tenure: Your home loan tenure should not exceed 20 years.
• 30% EMI Limit: Monthly EMI should not exceed 30% of your salary.
• 40% Down Payment: Aim to pay 40% of the home cost upfront from savings.

Example: Rishabh earns RS. 12 lakh/year. Max home cost = RS. 36 lakh. If he wants to stretch it with a good loan rate (9–10%), he can go up to RS. 50–55 lakh — but only if his EMI stays under RS. 30,000 and he makes a solid down payment.

3. The B.U.Y. Rule: Before You Invest

B.U.Y. stands for “Before You Invest” – sort your:

• B: Buy Term Insurance – 10–15x of your annual income. If Rishabh earns RS. 12 lakh/year, he should have RS. 1.2–1.8 crore cover.
• U: Understand Health Insurance – Get sufficient personal health cover (even if you have corporate insurance).
• Y: Your Emergency Fund – Save 6–12 months of monthly expenses in a separate fund for job loss, illness, or other crises.

Only after securing your insurance and emergency fund should you start investing in stocks, mutual funds, or SIPs.

4. Rule of 72 – Know When Your Money Will Double

This is a simple way to estimate how fast your money will double at a fixed interest rate. The formula:

72 ÷ Interest Rate = Years to Double

• At 8% (FD rate): 72 ÷ 8 = 9 years
• At 12% (mutual funds): 72 ÷ 12 = 6 years
• At 15% (stock market avg): 72 ÷ 15 = ~4.8 years

Use this to estimate your long-term investment potential. Just remember — higher returns often come with higher risk.

5. Asset Allocation Rule: 100 Minus Your Age

This thumb rule helps you balance risk in your portfolio:

100 – Your Age = % of Equity in Portfolio

• Age 25: 75% in equity, 25% in debt
• Age 35: 65% in equity, 35% in safer assets

This keeps your portfolio aggressive when you’re young and gradually conservative as you near retirement. Modify it based on your financial goals and risk comfort.

6. Total EMI Rule – 36% of Monthly Income

This is your overall debt limit. All EMIs combined (car, home, personal loans) should not exceed 36% of your monthly income.

Rishabh earns RS. 1 lakh/month — max total EMIs = RS. 36,000. If your EMI burden crosses this, you’re at financial risk, especially during job loss or emergencies.

7. Credit Card Rule – The 30/100 Principle

• 30% Rule: Don’t use more than 30% of your total credit card limit.
• 100% Rule: Always pay your bill in full every month. Don’t revolve or make minimum payments.

Credit card interest is 36–40% annually. Even one missed payment can wipe out months of savings. Use cards for convenience, not for credit.

Bonus: The 50-30-20 Budget Rule

This rule helps you budget your income smartly:

• 50% for needs (rent, groceries, bills)
• 30% for wants (trips, food, gadgets)
• 20% for savings/investments

If you’re young with fewer responsibilities, shift some from “needs” to “savings.” Example: If you’re living in a shared flat with RS. 10,000 rent, spend only 30% on needs and increase savings to 40–50% while you can.

Conclusion: Which Rules Are You Following?

Building wealth isn’t about luck or timing — it’s about behavior. These 7 financial rules are simple but powerful. Follow them, tweak them, and apply them with discipline, and you’ll never worry about money again.

Ask yourself:

• How many of these rules do you already follow — 3, 5, or all 7?
• Which one will you start today?

Start small. Start smart. And let your money work harder than you do.

Recommended tools and links:

• PolicyBazaar – Compare Term & Health Insurance
• SIP Return Calculator – Groww
• Build Your Emergency Fund – ClearTax