UPI’s Record-Breaking Growth: What It Means for You

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                                                                                  Imagine walking into your favorite café, grabbing a coffee, and with just a tap on your phone—payment done. No fumbling for cash, no waiting for change. That’s the power of UPI, and India is embracing it like never before. January 2025 set a new record in digital payments, with nearly 17 billion UPI transactions amounting to a staggering ₹23.48 lakh crore. This milestone isn’t just a number; it reflects how deeply UPI has woven itself into our daily lives. Why Is UPI Growing So Fast? A few key factors have fueled UPI’s meteoric rise: ✅ Ease of Use: No need to remember long account numbers—just a mobile number or QR code does the trick. ✅ Widespread Adoption: Ove...
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PepsiCo joins race for Haldiram stake amidst Rs 90,000 Crore Valuation competition with Temasek and Alpha Wave


                                        




Haldiram Snacks, one of India’s top ethnic snack manufacturers, is drawing major interest from global investors, with a valuation of Rs 90,000 crore. PepsiCo, Temasek, and Alpha Wave Global are among the key players vying for a minority stake in the company, which is owned by the Aggarwal family.

PepsiCo, which has recently initiated talks with Haldiram’s leadership, is aiming to acquire a minority stake. The discussions are being led by PepsiCo’s New York headquarters, with the parent company expected to provide the necessary funding, while the role of PepsiCo India’s leadership remains more limited in this process. While these talks are still in the early, exploratory phase, they add another layer of competition to the already intense bidding battle.

Temasek, a Singapore-based investment firm, is currently the frontrunner after more than 18 months of negotiations. According to industry sources, Temasek is on track to acquire a minority stake in Haldiram Snacks Foods Pvt Ltd, which encompasses the FMCG operations of the company’s Delhi and Nagpur branches. The Aggarwal family is reportedly seeking a valuation of Rs 85,000 to Rs 90,000 crore as it considers bringing in an external investor for the first time.

Haldiram’s decision could have broader implications for India’s snacks market, especially with rising competition from regional brands like Bikanerwala, Balaji, Bikaji Foods, and Prataap Snacks. These local players are becoming increasingly popular by offering lower prices and better margins for retailers, which is forcing multinational giants like PepsiCo to reassess their strategies.

While the talks are still ongoing, analysts suggest that the Aggarwal family may demand a premium or even opt for selling a majority stake rather than a minority one, which could reshape the dynamics of the Indian snacks industry. Previous discussions with companies like Mondelez, Kellogg’s, and Tata Consumer have not come to fruition, hinting at Haldiram’s preference for higher valuations.

As PepsiCo, Temasek, and Alpha Wave continue to compete for a stake in Haldiram, the outcome of these negotiations is likely to have a significant impact on the future of the Indian snack food sector.

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