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TV festive ad spend to reach Rs 8000 cr; experts divided

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MUMBAI: The festive months of October and November are welcome months not just for you and your family, but for most Indian brands as well. After all, they eagerly wait for this early window when consumers loosen up their purse strings and put their Diwali bonuses to good use, aka, shopping.

Thus, it is almost a tradition in the marketing world to budget separately for the third financial quarter, and sometimes allot a majority share of their marcom budget to campaigns during this period. New trends emerge each year from consumer behaviour, which, in turn, decide how brands invest their advertising budgets. Unlike last few years, media experts have mixed opinions on what this year’s festive season means for the advertising industry as a whole.

Many within the industry believe this Diwali isn’t lighting up as bright as they had wished. Brands aren’t spending ad dollars as enthusiastically as they had in the last few years. “The festive season itself has shortened this year. Instead of stretching out to November, this year Diwali is wrapping up by October, leaving a 15 to 20-day period for Diwali campaigns. Barring the bigger e-commerce players, we did not see many brands advertise before the 2nd week of October. Even when it comes to print, which usually commands the lion’s share of festive ad spends, there were very few jacket ads that were spotted,” pointed out Havas Media Group India CEO Anita Nayyar.

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This year’s most noticeable trend would be polarised points of view on how the e-commerce players are spending. According to several media reports, e-commerce players have cut down their media spends on television this year and are concentrating on print instead.

“Compared to their spends last year, the spend on print has pretty much remained the same. They (the e-commerce players) have also had multiple sales promotions instead of just one major sale day and the print has dominated the promotion budget of these sales. When it comes to their spends on digital, most of them are performance related than pure innovation or advertising. It is directly tied to purchase,” observed a media planner requesting anonymity.

The expert also correlated the category’s marketing spends strategy to the consolidation that has happened in the sector in the last one year, including major developments like Jabong being bought over by Flipkart’s Myntra.

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“In general, it wasn’t as great a year for e-commerce players as last year. The accountability is much higher on performance than it was in the previous few years. Most of their current spends are to make sure they have enough sales,” the planner adds.

Nayyar too believes that e-commerce players have become very cautious of how they spend this year. “Not just in TV, but over all even throughout the year, e-commerce brands have toned down. Most of these companies are in their 5th and 6th year, and that is when returns have to show up.”

What does that mean for the television industry? Have the ad revenues dropped because of this? “Not at all,” reassured another senior executive. According to him, “E-commerce spending on television has actually increased in the range of 60-65 per cent,” He acknowledges that ‘print pie is always the highest considering the tactical nature of festival communication with its local and regional role that it plays.”

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It could be because, “while the total number of players in the e-commerce have relatively reduced or opted out of spending increasingly on TV this year, the big players such as Amazon, Snapdeal, and Flipkart continue to spend a lot on TV,” shared Dentsu Aegis Network chairman Ashish Bhasin.

With the festive season just around the corner, Droom, India’s pioneering online automobile transactional marketplace, is taking the celebrations up a few notches by allocating INR 10 crore to its marketing budget.

Snapdeal earlier announced that it would spend Rs.200 crore on a 360-degree campaign spanning over 60 days in the run-up to the Diwali festival. eBay India marketing director Shivani Suri too recognises this period as the ‘most important time of the year, where they expect to do the most sales.” Online automobile marketplace Droom too had promised Rs 10 crore of its marketing budget to the season.

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According to Bhasin, the total festive season ad ex of the market across media is estimated to hit a whopping Rs 20,000 crore this year, which is a 10–12 per cent hike from last year. “Of this, Rs 8000 crore can come from television, is the estimate,” Bhasin shared.

Another analyst who did not want to be named pegged this year’s TV ad-ex at Rs 3000 crore.

When it came to analysing festive season advertising by categories, FMCG and automobile once again stole the show, especially when it comes to being the biggest spenders on the medium of television.

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“Automobile Category continues to spend the highest in festive season, followed by real estate. Then comes e-commerce. With similar contribution levels across categories, 30-50% increase in spends if you compare similar period of last year vs. vis-à-vis this year,” a planner shared.

It should be noted that sales at the leading passenger vehicle makers, including Maruti Suzuki, Hyundai, Mahindra and Hero MotoCorp, had risen by 15 per cent this year to 253,007 units from 216,352 a year ago, as per an early September report.

“Telecom is another important sector which has made its presence felt this festive season. With Jio’s launch acting as a catalyst for other competitors in the sectors to also up their marketing ante,” Bhasin added.

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Apart from the conventional players, categories such as electronic devices (read smartphones), home decor and accessories have also garnered could traction. As reported earlier in several leading dailies, Oppo and Vivo are spending close to Rs 80 to Rs 100 each on marketing this year, almost doubling their budget from last year. Other electronic segments aren’t far behind. As recently reported, Japanese electronics manufacturer Panasonic has raised its festive marketing budget in India to Rs 85 crore.

Thus, while this year’s festive season may be short-lived for both, brands as well as consumers, celebration in India is definitely neither conservative nor curtailed.

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Can You Save More By Buying Medical Insurance Online For Your Family?

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When you plan to buy medical insurance for your family, the first question is often about savings. You may assume that buying online automatically means paying less, but that is only part of the picture. The real issue is not just whether the premium looks lower, but whether the policy gives you suitable family health insurance without adding avoidable costs later.

Buying online can sometimes appear more budget-friendly because you can compare plans, review features, and complete the process without depending entirely on offline assistance.

Still, a lower visible price does not always mean better value. To understand whether you can truly save more, you need to look at the full buying experience and the policy terms together.

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Why Online Purchase Can Look More Economical

When you explore family health insurance online, you usually get access to plan details in a more direct and organised way. This can make the buying journey feel simpler and more transparent.

A few reasons online purchases may seem cost-effective include:

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● Easier comparison of policy features

● Direct access to premium details

● The ability to review inclusions and exclusions at your own pace

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● Fewer chances of making a rushed decision

● More control over the plan selection process

This does not mean every online option is automatically cheaper. It simply means the online route may help you assess choices more carefully, and that itself can influence how much value you get from the policy you choose.

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Saving Money is Not Only About a Lower Premium

A lower premium often catches your attention first, but that should not be the only measure of savings. If you buy medical insurance based only on what looks affordable at the start, you may overlook conditions that matter later.

A family health insurance policy should be judged on overall value, including:

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● The scope of cover

● Waiting period terms

● Exclusions

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● Room eligibility conditions

● Sub-limits, if any

● Claim-related terms

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● Renewal conditions

If the premium is lower but the policy has stricter internal conditions, the apparent saving may not feel meaningful when you actually need hospitalisation support.

So, the better question is not only whether online purchase costs less, but whether it helps you select a plan that remains financially sensible over time.

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Comparing Plans Online Can Prevent Overspending

One clear advantage of the online route is that it allows you to compare different options without pressure. This can help you avoid paying for features you may not need or missing features that matter for your family.

Before you buy medical insurance online, look closely at:

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● Who can be covered under the plan

● How the sum insured works for the family

● Whether day care procedures are included

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● How pre-existing illness rules are explained

● Whether add-ons are optional or built in

● How clearly the policy wording is presented

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This level of comparison can support better decision-making. In many cases, savings come not only from the premium itself but from choosing a policy with fewer surprises.

Online Discounts Should be Viewed Carefully

Online discounts can make a plan look attractive, but they should always be read alongside the policy details. A discount may reduce the upfront cost, yet the true worth of the policy depends on what it covers and how it responds during a claim.

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When reviewing discounted online plans, check whether the policy has:

● Treatment-specific limits

● Room rent restrictions

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● Co-payment clauses

● Disease-wise waiting periods

● Claim deductions linked to the hospital category

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● Limited cover for selected benefits

These points are important because a policy that looks cheaper at purchase may involve more out-of-pocket spending later. That is why discount-led buying should be replaced with detail-led buying.

Final Thoughts

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Yes, buying online can sometimes help you save more when choosing family health insurance, but only if you look beyond the headline price. The online route may give you better visibility, easier comparison, and more time to review the policy terms.

That can support smarter choices and may reduce the chances of paying for a plan that does not suit your family well.

If you want to buy medical insurance online, treat savings as more than a discount. The real advantage lies in choosing family health insurance that balances affordability, clarity, and meaningful coverage for your household.

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