ET Intelligence Group: One out of every four BSE 100 companies, 23 to be precise, have failed to generate meaningful annualised returns over the past three years, with the number narrowing to 21 on a five-year basis. These companies have yielded 5% or less return over the said periods.

The BSE 100 delivered annualised returns of 9.3% over three years and 9.8% over five years, while the Sensex generated annualised returns of 6.3% and 8.2%, respectively.

Sectorally, the laggards are concentrated in the consumer sector with six companies, followed by five companies from the IT and BFSI sector. Valuations, however, suggest potential as 20 of the 23 stocks trade below their three-year average multiples.

Notably, 12 of these companies are constituents of the Nifty 50. Some of the names include Asian Paints, HDFC Bank, HDFC Life Insurance, Hindustan Unilever (HUL), Infosys, ITC, Reliance Industries (RIL), Tata Consultancy Services (TCS) and Wipro.
For the BFSI sector, the outlook is based on deposit and credit growth, margin stability after rate cuts, and improving asset quality.

For FMCG companies, the growth outlook depends on demand sustainability especially in the rural market. Havells India expects stronger FY27 growth aided by a favourable base, price increases and market share gains after a challenging FY26 due to weak summer season, commodity inflation, and disruptions in West Asia. Growth for Avenue Supermarts is expected to be strong driven by continued store additions, better same-store sales growth, and the resilience of its value-retail model despite rising quick-commerce competition. For ITC, the growth outlook is muted given the higher cigarette tax may impact volume.
IT companies are facing issues such as cautious client spending and AI-led pricing and margin pressure. Analysts expect Tata Consultancy Services and Infosys to fare better than peers in the near term.RIL’s growth is expected to be driven by its consumer and emerging energy businesses, with Jio monetisation, retail expansion, FMCG scale-up and new-energy initiatives.

The semaglutide in the jab and pill mimics the actions of a hormone called GPL-1 (glucagon-like-peptide-1), which is released from the intestine after people eat.

It acts on receptors in the brain that control appetite, making people feel fuller, less hungry and crave food less.

Very common side effects with both include stomach problems, like feeling sick, being sick (vomiting), constipation and diarrhoea.

With the jab, you may get little bit of skin redness, itching or mild swelling where you inject.

Some people on the tablets or injections may experience stomach pain, headaches and tiredness.

More rarely, people can get more serious complications, like low blood sugar, pancreatitis or severe allergic reactions.

It’s worth checking the patient information leaflet for the full details.

Do not take the medication if you are under 18, pregnant or breastfeeding, and make sure you speak to your doctor about any other medical conditions you have or medication you take.

If you miss your flight due to EES queues, airlines are under no obligation to put you on another flight without an extra charge.

Travel insurance is unlikely to cover the cost of new flights, hotels or any other losses incurred as a result of delays caused by EES queues, the Association of British Insurers says.

Anne Robinson, from Dunbarton, and her 13 year-old-son Jack missed their flight home from Rome in June when they got stuck in a 90-minute queue. They had to pay £250 for a replacement flight two days later, which they could not claim back.

No travel insurance policies explicitly cover EES delays, because it is an expected procedure or routine process, explains Anna-Marie Duthie, travel insurance expert at analysts Defaqto.

“In practice it is your responsibility to allow additional time for such long queues or delays,” she says.

There is a slight chance of a claim under missed departure, or delay or abandonment, cover. However, immigration or border delays are often not listed covered reasons, she says.

Top tip: Read your paperwork or speak to your insurer before you travel.