What is Finnifty? How Finnifty Helps in Diversifying Your Portfolio
Finnifty is one of the best options you can opt for. According to a recent survey in 2024, Japan Exchange Group was the largest stock exchange operator globally and NES was in the 7th rank right after Korea Exchange which makes it a lucrative field for investment.

You can invest in Finnifty through your algo trading software. However, before you make any investment in the index, you must know about it thoroughly. As it will help you make informed decisions and minimize the risk of financial loss. Today, in this blog post, we will help you explore Finnifty and how it can diversify your investment portfolio.

An Overview of Finnifty 

If you want to invest in Finnifty or want to know about this index, then you have to begin with the basics. It will help you grasp the concept better. So, here we will begin by discussing a brief definition of Finnifty. Finnifty also known as Nifty stands for the NSE or National Stock Exchange. This is basically a share market index. Finnifty comprises 20 stocks from different financial institutions and companies listed on the national stock exchange list.

Similar to nifty-50 the stocks here are selected by their free-float market cap. According to a report on April 23,2024, Nifty 50 returns rose 19.42% compared to last year's record indicating a high rise of the index investment. The primary goal of the Finnifty index is to track the financial performance of the offer a benchmark for the Indian financial sector for its performance and growth.

How Can You Calculate the Finnifty Financial Service Index?

Now that you have understood what Finnifty is, we can finally move forward and understand the calculation of the Finnifty index. Learning about how to calculate Finnifty is crucial before you invest in this index.

  • Generally, Finnifty is calculated depending on the free-float market capitalization of the 20 stocks listed on the NSE or National Stock Exchange list.
  • On the other hand, the free-flotal market can be calculated by multiplying the total number of Finnifty shares by the market price of the outstanding stock, followed by subtraction of the shares of the strategic investors, promoters, and government bodies.
  • The Finnifty index value is calculated through base year and a base value of 1000 points. The formula is - Finnifty Index Value = (Current Market Value of Free Float Market Capitalization / Base Market Value of Free Float Market Capitalization) x Base Index Value (1000).

Composition of the Finnifty Index 

As we have already discussed, the Finnifty index comprises 20 stocks across insurance companies, banks, housing finance companies, NBFCs, and other financial institutions and companies. You can also find the Finnifty stock chart on your options trading app. Here is the list of stocks in the Finnifty index

  • ICICI Bank Ltd.
  • HDFC Bank Ltd.
  • State Bank of India
  • Kotak Mahindra Bank Ltd.
  • Bajaj Finserv Ltd.
  • Axis Bank Ltd.
  • HDFC Life Insurance Company Ltd.
  • Housing Development Finance Corporation Ltd.
  • SBI Life Insurance Company Ltd.
  • ICICI Lombard General Insurance Company Ltd.
  • ICICI Prudential Life Insurance Company Ltd.
  • SBI Cards and Payment Services Ltd.
  • General Insurance Corporation of India
  • Bajaj Finance Ltd.
  • Cholamandalam Investment and Finance Company Ltd.
  • Mahindra & Mahindra Financial Services Ltd.
  • Aditya Birla Capital Ltd.
  • SBI Funds Management Pvt. Ltd.
  • Indiabulls Housing Finance Ltd.
  • Shriram Transport Finance Company Ltd.

List of Popular Finnifty Stocks 

Are you willing to invest in the stock market but don't know much about the share market? Worry no more! With proper knowledge and guidance, you can easily invest in the share market and achieve your financial goals. Also, if you are new to share market investments then nothing can be better than starting with the indexes.

But, before investing, you need to know about the popular stocks. The popular stocks are those that are in favorable positions and have higher chances of growing big in the future span. Here is a list of popular Finnifty index stocks of 2024 that you can invest in

Finnifty Stocks

Market capitalisation

HDFC Bank

₹9,61,128.15 Crores

Bajaj Finance 

₹4,20,471.83 Crores

Kotak Mahindra Bank  

₹4,07,546.16 Crores

ICICI Bank

₹3,92,983.20 Crores

HDFC Ltd.  

₹3,36,696.13 Crores

Axis Bank 

₹2,52,783.23 Crores

State Bank of India 

₹2,19,141.17 Crores

HDFC Life Insurance

₹1,76,758.47 Crores

ICICI Prudential Life Insurance

₹1,48,862.67 Crores

Bajaj Finserv.

₹1,47,836.11 Crores

How to Trade in Finnifty? 

Although, the Finnifty index is relatively easy to understand and invest in, as a fresher you may lack proper knowledge and understanding of how to get involved and trade in Finnifty.

Also, using an options strategy builder app can be beneficial to simplify your Finnifty investments. Below, we will discuss some essential steps to trade Finnifty index stocks successfully-

  • Index Fund Tracking

Index funds are basically mutual funds that track a certain stock market index. For example, nifty financial services index. These Index funds offer similar diversification such as EFTs. But the only difference here is it trades only once a day at the end of the trading session at the NAV price.

  • ETFs Tracking Finnifty

EFTs are also known as Exchange-traded funds. They are traded on the stock exchange, for example, individual stocks. EFTs especially those that track Finnifty are ideal and convenient options to diversify your investment portfolio and gain exposure to the Finnifty 20 stocks.

  • Direct Investment

Lastly, as an investor, you can directly invest in the stock of any company listed on the Finnifty index.

Advantages of Investing in Finnifty

Investing in the Finnifty index has several benefits. You can also use the options trading app to automate your trading and maximize the benefits. Here are some of the most common advantages of trading with Finnifty-

  • Diversification Advantage

The finnifty index compromises stocks of 20 leading financial institutions, banks, loan providers, insurance companies, and other financial service providers. So, you can easily diversify your portfolio on selected stocks and reduce the impact of market volatility.

  • Liquidity

Finnifty also offers high liquidity. It means investors can buy or sell in this Index anytime during the trading sessions. As a result, investors can quickly and smoothly enter or exit the market without significantly impacting the market price.

  • Transparency

Lastly, it is one of the most transparent indices in the market. The performance of companies listed on the Finnifty index is available in the public domain. So, you can easily evaluate their performance before investing in them.

Factors Affecting the Finnifty Share Price

Finnifty is competitively easy to understand and invest in. It is suitable for both new and experienced investors. Finnifty is also one of the most popular indexes globally. Here are some factors that can affect the Finnifty share price:

  • Economic Condition

The performance of Nifty companies is impacted by various economic factors such as GDP growth, inflation, and interest rates. Usually, financial stocks perform well when the interest rates are low and the economy is growing. This in turn also increases the share price of Finnifty.

  • Overall Market Sentiment

Overall market trends and investor sentiment are two key factors that significantly influence the stock market. For example, the Finnifty share price can increase if the majority of the investors have a positive outlook and are optimistic about the stock market.

  • Government Policies

Various government regulations and policies can hugely impact the financial sector and consequently the Finnifty share price. Government policies like changes in bank regulations and tax laws can both positively and negatively impact Finnifty share price. An algo trading software can help you identify these economic changes and trade accordingly.

  • Company-Specific News

Finnifty stock prices can also be impacted by individual companies' news and developments. Positive news like product launches or strong earnings can increase the Finnifty stock price. On the other hand, negative news about these companies can decrease the Finnifty stock price.

  • Global Events

The Finnifty share price and the performance of the market stocks can also be impacted by global events. Global economic events like global economic downturn or geopolitical tension can affect the stock price of Finnifty.

Features of the Finnfty Financial Services

Here are some interesting features of the Finnifty index listed below-

  • As Finnifty evolves quickly, the index refreshes the Nifty 500 roster biannually.
  • Oriented on January 2021, the Finnifty index comes with the foundational value of 1000.
  • Based on the free-flotal market capitalization percentage the stock's representation is equally in the Finnifty index.

Things to Know Before Investing in Finnifty 


Before you invest in the Finnifty index you must be aware of several factors and make an informed decision. There are several factors you need to consider before investing in Finnifty. Below, we will discuss some essential things you need to consider before making any investment:

  • Learn about Finnifty

Before you invest in the Finnifty index, you must learn about Finnifty, such as its definition, how it works, its benefits, disadvantages, etc.

  • Market Conditions

You should also need to stay updated with the latest changes. Remember, the Finnifty index can also be influenced by the changing economy and events that impact the economy.

  • Risk Assessment

Learn about your profile risk tolerance and make investments accordingly. We suggest using SpeedBot algo trading for accurate risk assessment. This also a major reason why is the Speedbot algo trading platform is the best option recommended by most experienced traders.

  • Diversification

You should also consider the amount of diversification your profile needs and what Finnifty offers. And invest only if your need aligns with the diversification Finnifty offers.

  • Historical Performance

Always check the historical performance of the stocks on Finnifty before investment. They will offer essential insights for your trade. Backtesting in SpeedBot can be a great way to automate the process of checking the historical performance of each stock on the Finnifty index. It will save you time and suggest strategies according to the analysis.

  • Regulatory Environment

Lastly, you must also consider the regulatory environment before investing in Finnifty. It is appropriate for all kinds of trade. This is because if you invest in any company or Index without considering the regulatory environment, you may face penalties, high charges, and other complications. So, stay updated with the regulatory environment associated with Finnifty. Remember regulation changes can affect the dynamics and outcomes of the trade.

Conclusion

Finnifty comprises 20 stocks of different financial service companies, banks, investment agencies, and insurance providers. However, not all of them hold the same value. The stock value goes up and down with time. So, it is important for you to identify the best and most popular stock options on the index to invest.

Remember, the Finnifty index stocks we have listed above are based on the current NSE chart. It can change (include or exclude stocks depending on the future market), so it would be wise to check the stock index before you invest in any. You can also utilize algo trading software in your Finnifty trade to automate your trade and make it easier, more accurate, and more convenient.

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Aston 21 April, 2025
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