Top Gainers and Losers on April 28, 2025: RIL Jumps Over 5%, Shriram Finance Plummets

Indian benchmark indices closed sharply higher on Monday, April 28, 2025, rebounding strongly after the previous session’s losses. Positive global cues and buying across major sectors boosted investor sentiment.

The BSE Sensex surged 1,005.84 points (1.27%) to close at 80,218.37, while the NSE Nifty 50 climbed 289.15 points (1.20%) to settle at 24,328.50.

Here are the top gainers and losers for the day:

Top Gainers of the Day

Symbol LTP Change (%)
RELIANCE 1,366.30 5.07
SUNPHARMA 1,842.20 3.07
JSWSTEEL 1,058.30 2.91
BEL 305.3 2.59
DRREDDY 1,202.40 2.35

  • Reliance Industries

Reliance Industries share price opened at ₹1,320.00 and closed higher by 5.07% at ₹1,366.30. Shares surged after the company reported stronger-than-expected Q4 profits, driven by robust performance in telecom and retail segments.

  • Sun Pharma

Sun Pharma share price opened at ₹1,789.00 and closed up 3.07% at ₹1,842.20.

  • JSW Steel

JSW Steel share price opened at ₹1,030.00 and rose 2.91% to close at ₹1,058.30.

  • Bharat Electronics 

BEL share price opened at ₹297.00 and ended up 2.59% at ₹305.30. The stock gained amid a surge in defence stocks due to rising cross-border tensions.

  • Dr. Reddy’s Laboratories

Dr. Reddy’s Laboratories share price opened at ₹1,175.00 and gained 2.35% to close at ₹1,202.40.

Top Losers of the Day

Symbol LTP Change (%)
SHRIRAMFIN 621.6 -5.13
ETERNAL 226.7 -0.92
ULTRACEMCO 12,128.00 -0.89
HCLTECH 1,550.00 -0.65
HINDUNILVR 2,317.60 -0.63

  • Shriram Finance

Shriram Finance share price opened at ₹622.70 and closed sharply lower at ₹621.60, falling 5.13%. The stock dropped after mixed quarterly results and concerns over rising credit costs.

  • Eternal

Eternal share price opened at ₹226.00 and ended at ₹226.70, down 0.92%.

  • UltraTech Cement

UltraTech Cement share priceopened at ₹12,232.00 and closed at ₹12,128.00, down 0.89%. Shares slipped as cement companies face margin pressures due to rising input costs.

  • HCL Technologies

HCL Technologies share price opened at ₹1,565.00 and ended at ₹1,550.00, slipping 0.65%.

Hindustan Unilever

HUL share price opened at ₹2,345.00 and closed lower at ₹2,317.60, down 0.63%.

Conclusion

In conclusion, the markets showed notable movements today, reflecting a mix of investor sentiment and company-specific performances. While some stocks experienced significant gains, others saw declines due to various factors such as financial results and market conditions. Overall, market fluctuations remain a natural part of the investment landscape.

Read more on: Stocks That Hit Circuit Limits On April 28, 2025: PANACEABIO, KITEX, VAKRANGEE, and More

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Nifty Smallcap 100 Rises by 0.81% on April 28, 2025, Led By Garden Reach Shipbuilders and RBL Bank

The Nifty Smallcap 100 Index showed a positive move on April 28, 2025, gaining 133.60 points or 0.81% to reach 16,681.15 at 1:27 PM IST on the NSE. This recovery reflects improved investor sentiment after a volatile start to the year.

Day and 52-Week Range

The index traded within a day range of 16,426.45 to 16,733.50, suggesting intraday strength. Over the past 52 weeks, the index has fluctuated between 14,084.30 and 19,716.20, highlighting the wide swings small-cap stocks have faced.

Top Stocks Driving Gains

Several stocks contributed positively to the index’s upward movement:

  • RBL Bank(₹207.42) followed, contributing 10.62 points.
  • Glenmark(₹1,400.60) added 10.17 points.

Stocks Weighing Down the Index

However, a few stocks acted as a drag:

  • Tejas Networks (₹761.50) was the biggest loser, pulling the index down by 15.52 points.

Components of Nifty Smallcap 100 Index

Company Name Industry Last Price Change(%) Mkt Cap
(Rs cr)
360 ONE WAM Finance – Others 983.75 1.18 38,730.03
Aadhar Housing Finance – Housing 469 2.95 20,231.93
Aarti Ind Speciality Chemicals 434.05 1.21 15,735.19
AAVAS Financier Finance – Housing 1,988.30 -3.09 15,738.12
Action Const Engineering – Industrial Equipments 1,208.50 0.45 14,391.20

Note: All figures mentioned in this table are as of 3:21 PM on April 28th, 2025, Monday.

Seasonal Trends in Nifty Smallcap 100

Historically, April has been a good month for the Nifty Smallcap 100, with an average gain of 4.70%. In April 2025 so far, the index has risen 3.64%, following a strong 9.49% rally in March 2025.

The index’s seasonal strength suggests continued optimism as it heads into May, a traditionally stable month.

Conclusion

The Nifty Smallcap 100’s rise shows recovering confidence in the small-cap segment. However, given past volatility and sector-specific risks, investors should stay cautious and keep track of market triggers.

Read more on: Bank Nifty Surges 1.26% on April 28: Top Gainers Include ICICI, HDFC, and Axis Bank

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Akshaya Tritiya 2025: Date, Shubh Muhurat, Gold Investment

Akshaya Tritiya, also known as Akha Teej, is a very important Hindu festival linked with prosperity, good luck, and new beginnings. This year, it will be celebrated on Wednesday, April 30, 2025.

Why Akshaya Tritiya is Important?

The word “Akshaya” means eternal or never-ending, and “Tritiya” means the third day in the lunar calendar. It is believed that any good work or financial investment made on this day will bring lasting success. That’s why many people start new ventures or make big purchases, especially gold, on Akshaya Tritiya.

The Tradition of Buying Gold on Akshaya Trititya 

Buying gold on Akshaya Tritiya is a popular tradition. Gold symbolises wealth and purchasing it on this day is believed to bring prosperity. Across India, especially in the South, families rush to buy gold coins, jewellery, or even invest in digital gold. 

Today, many people also invest in gold through other options like digital gold, gold ETFs, etc. on Akshaya Tritiya. 

Akshaya Tritiya 2025 Date and Puja Timing

  • Tritiya Tithi Begins: April 29, 2025, at 5:31 PM
  • Tritiya Tithi Ends: April 30, 2025, at 2:12 PM
  • Puja Muhurat: April 30, 2025, from 5:40 AM to 12:18 PM

This is the best time to perform prayers and make your gold purchases.

Mythological Importance of Akshaya Tritiya

Many important events are believed to have happened on this day:

  • The beginning of Treta Yuga.
  • The birth of Lord Vishnu’s sixth avatar, Parshuram.
  • Maharishi Ved Vyasa started narrating the Mahabharata to Lord Ganesh.
  • Lord Krishna met his childhood friend Sudama.
  • The holy river Ganga came down to Earth.

These stories add to the spiritual value of the festival.

Conclusion 

Akshaya Tritiya is considered to be auspicious and bring prosperity into lives. Therefore, people buy gold on this day. However, it is just a belief and therefore investments should be a result of well-informed decisions rather than traditions alone.

Read more on: Jewellers Roll Out Festive Offers Ahead of Akshaya Tritiya

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Shriram Finance Share Price Falls 9% After Q4 Results

Shriram Finance share price fell by as much as 9% on Monday, April 28, after the company announced its March quarter results. The drop came mainly because the company wrote off gross Non-Performing Assets (NPAs) worth ₹2,345.11 crore during the quarter. This raised concerns about the quality of its loan book.

Profit Grows, But Challenges Remain

Shriram Finance reported a standalone net profit of ₹2,139.4 crore for the quarter ending March 2025, showing a 9.9% rise compared to the same quarter last year. The profit was almost exactly in line with Bloomberg’s estimate of ₹2,137.5 crore.

Even with the profit growth, investors are concerned about the current challenges being faced by the company. Shriram Finance is facing pressure on its Net Interest Margin (NIM), meaning it is earning less from its lending business compared to earlier. This has prompted investors to reconsider the company’s future financial outlook.

About Shriram Finance

Shriram Finance is one of India’s leading non-banking financial companies (NBFCs). It mainly focuses on lending to small businesses, commercial vehicle owners, and individuals who often find it difficult to get loans from traditional banks.

The company has a strong presence in rural and semi-urban areas and plays an important role in financial inclusion. However, because it serves riskier customer segments, it also faces greater challenges in maintaining loan quality during tough economic conditions.

Conclusion

While Shriram Finance posted healthy profit growth for the March quarter, the large NPA write-off and pressure on margins have worried investors. Going forward, the company’s ability to manage asset quality and control credit costs will be crucial for rebuilding market confidence.

At 11:33 AM, Shriram Finance share price was down 4.70% and was trading at ₹624.40.

Read more on: Why Tejas Networks Share Price Fell Over 10%?

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Tata Technologies Share Price in Focus After Q4 Profit Rises 12%

Tata Technologies share price was up 1.80% at 11:13 AM and was trading at ₹705.70. The company has reported a 12% rise in its net profit for the quarter ending March 31, 2025. The company’s net profit grew to ₹188.87 crore during the January-March period, according to its exchange filing on Friday.

This was higher than street expectations. Bloomberg reports had previously estimated a profit of ₹177.75 crore.

Revenue and Margins

While the net profit increased, Tata Technologies’ revenue slightly fell. The company’s revenue stood at ₹1,285.65 crore, down 2.4% compared to ₹1,317.38 crore in the previous quarter. Analysts had expected higher revenue of ₹1,331.7 crore.

The company’s Earnings Before Interest and Tax (EBIT) also dipped by 1% to ₹202.26 crore, compared to ₹203.58 crore earlier. This was lower than the Bloomberg estimate of ₹251.45 crore.

However, Tata Technologies improved its margins slightly. The margin for the quarter stood at 15.7%, up from 15.5% in the previous quarter.

Tata Technologies Share Price Performance

Despite the better-than-expected profit, Tata Technologies’ shares closed lower on Friday. On the NSE, the stock fell by 3.35% to ₹693.20 per share, while on the BSE, it ended 3.34% lower at ₹693.25.

Looking at the stock’s performance over the past year, it has dropped by 35.19%. So far in 2025 (year-to-date), the shares have fallen by 22.19%. Over the last six months, the stock declined by 31.51%, and in the past three months, it has dropped by 11.46%. In the last one month, it has seen a small fall of 0.69%.

Conclusion

Tata Technologies delivered a strong profit growth for the fourth quarter, beating expectations. However, lower revenues and weak stock performance continue to be concerns. Investors will now look forward to how the company plans to improve its overall financial health in the coming quarters.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Does Your SIP Date Really Affect Returns? Here’s What 10 Years of Data Says

A frequent question among mutual fund investors is: Does the date on which I start my SIP (Systematic Investment Plan) affect my long-term returns? Some prefer starting their SIP at the beginning of the month, while others delay it, hoping for better market timing. But what does data actually show?

What the Research on SIP Date Says

A 10-year study (March 2015 to March 2025) by ETMutualFunds looked at SIP returns of the SBI BlueChip Fund—a large-cap mutual fund—based on different SIP dates throughout the month.

Here’s what they found:

  • Returns were remarkably stable, no matter the date.
  • The lowest return was 13.07% (SIP on 1st).
  • The highest return was 13.26% (SIP on 17th).
  • The difference between the best and worst performing SIP date was just 0.19%.

This means if you had invested ₹1,000 every month, your total value after 10 years would range between ₹2.35 lakh and ₹2.38 lakh depending on the date—a very small gap.

What This Means for Your Financial Future

The numbers clearly show that SIP date doesn’t play a big role in your long-term wealth creation. Whether you start your SIP on the 1st, 10th, or 25th, your financial future won’t change significantly because of that one factor.

What truly matters is:

  • Regular investing
  • Staying committed during market ups and downs
  • Choosing the right mutual fund that aligns with your goals

Convenience Over Timing

It’s best to set your SIP date based on your convenience. Many people link it to their salary date to make sure the money gets invested before it’s spent. Delaying SIPs in the hope of better timing often leads to missed investments and smaller portfolios.

Conclusion

Don’t overthink the date of your SIP. Instead, focus on starting early, investing regularly, and staying disciplined. That’s what truly shapes your financial future—not the date on the calendar.

Read more on: How ₹48 Lakh Can Become ₹6 Crore: The Power of 20% Compounding Through the 20-20-20 SIP Rule

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Do You Really Need ₹10 Crores for Financial Freedom? Not Really!

Many of us have heard or said, “I need ₹10 crore, then life is set!” But is such a large amount really needed for financial freedom? The idea that only crores can make you feel financially safe is not always true. Financial freedom means living your life without stress, not just collecting big numbers.

The Role of Inflation

Saving money is important, but inflation slowly eats away at its value. Over the last 20 years, India’s inflation has been around 5-6%. This means that ₹1 lakh today won’t have the same power in 10-15 years. That’s why smart investments are necessary, not just saving. Fixed deposits or safe government schemes offering 6-7% returns can help balance out the effects of inflation.

What Is Financial Freedom, Really?

According to various personal finance experts, financial freedom means being able to live your life peacefully, comfortably, and without stress. It’s not about having ₹10 crore. It’s about how much you need based on your lifestyle.

Understanding the Financial Freedom Number

 There is a simple formula: Financial Freedom Number = Annual Expenses × 25

This is based on the 4% rule, which says you can withdraw 4% from your investments yearly and your money will still last long term.

For example, if your monthly expenses are ₹1 lakh,

Your yearly expenses = ₹12 lakh

Your freedom number = ₹12 lakh × 25 = ₹3 crore

If you invest ₹3 crore wisely, you can live on ₹1 lakh per month without worrying about running out of money.

Is ₹10 Crore Bad?

No! If you have bigger dreams, want a luxury lifestyle, or higher expenses, your number may be ₹10 crore or more. But don’t compare — plan for your needs.

Conclusion

Financial freedom is personal. It’s not about having crores. It’s about smart planning based on your needs, not showing off.

Read more on: Is Employee Contribution to PF Taxable Under the New Tax Regime in FY26?

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

 

Stocks That Hit Circuit Limits On April 25, 2025: Godfrey Phillips, Senco, and More

On April 25, 2025, the BSE Sensex closed 0.74% lower at 79,212.53, while the Nifty50 ended the day at 24,039.35, down 0.86%. In the midst of this market dip, several stocks such as Carraro India, Sahasra Electronics, and SWSOLAR hit their respective circuit limits, reflecting sharp price movements. Here’s a look at the full list of circuit-hit stocks for the day.

Stocks That Hit Upper Circuit on April 25, 2025

Symbol LTP Change (%) Price Band % Volume(Lakhs) Value(₹ Crores)
CARRARO 383 15.57 20 16.69 61.51
INFOLLION 571.1 4.72 5 2.03 11.55
SAHASRA 389.75 5 5 2.28 8.82
STLTECH 68.3 5 5 10.72 7.31
AGSTRA 6.4 4.75 5 85.82 5.39
MAFANG 116.54 3.86 20 4.54 5.29

Stocks That Hit Lower Circuit on April 25, 2025

Symbol LTP Change (%) Price Band % Volume(Lakhs) Value(₹ Crores)
SWSOLAR 310.7 -5 5 30.63 96.88
TARIL 509.55 -4.64 5 12.81 65.83
AJAXENGG 669.5 -4.94 10 6.32 42.2
SENCO 373 -3.1 5 11.16 41.44
GRWRHITECH 3,310.00 -2.87 5 1.17 39

Overview of Companies Hitting Circuit Limits

1. Carraro India Ltd.

Carraro India Ltd. surged 15.57% to hit its 20% upper circuit, driven by heavy trading volume of ₹61.51 crore.

  1. Sahasra Semiconductors Ltd.

Sahasra Semiconductors Ltd. gained 5% amid growing interest in India’s semiconductor sector.

  1. Agri-Tech (India) Ltd.

Agri-Tech (India) Ltd. saw a massive 85.82 lakh shares traded, pushing it to its upper circuit despite a low stock price.

  1. Sterling and Wilson Renewable Energy Ltd.

Sterling and Wilson Renewable Energy Ltd. hit the lower circuit after dropping 5%, with ₹96.88 crore worth of shares changing hands.

  1. Ajax Engineering Ltd.

Ajax Engineering Ltd. declined 4.94%, hitting the lower circuit as investor caution surrounded the construction equipment segment.

Read more on: Bandhan Bank Shares in Focus Ahead of April 30 Board Meeting for Q4 FY25 Results, Dividend

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks; read all the related documents carefully before investing.

Maruti Suzuki Share Price in Focus as It Declares Q4 Results

Maruti Suzuki share price was trading at ₹11,691 at 3:22 PM. India’s biggest carmaker announced its earnings for the January to March 2025 quarter on Friday, April 25. The results were below what various experts had expected.

Profit Falls Short of Estimates

Maruti reported a net profit of ₹3,711 crore, lower than the ₹3,840 crore predicted by a CNBC-TV18 poll. This profit was also lower than what the company made in the same quarter last year.

Revenue Sees Slight Growth

Revenue for the quarter stood at ₹40,674 crore, which was just below street expectations of ₹40,747 crore. However, this was still a 6% rise from the same quarter last year, when Maruti earned ₹38,235 crore.

Operating Performance Weakens

One of the key measures of a company’s financial health is EBITDA—Earnings Before Interest, Taxes, Depreciation, and Amortisation. Maruti’s EBITDA fell 9% compared to last year and came in at ₹4,264.5 crore.

Margins, which show how much the company earns from every rupee of sales, also dropped to 10.5%, compared to 12.3% in the same period last year.

Dividend Announced

Despite the weaker results, Maruti recommended a final dividend of ₹135 per share for the financial year 2024–2025.

  • Record date for the dividend is August 1, 2025
  • Payment date is September 3, 2025

Maruti Suzuki Share Price Reacts to Earnings

After the results were released, Maruti Suzuki share price fell 0.70%, trading at ₹11,811. This is a slight drop considering the stock had gained over 5% in 2025 before the results were announced.

Conclusion

Maruti Suzuki’s Q4 results show that while the company is still growing in terms of revenue, it is facing pressure on profits and operating margins. The dip in EBITDA and net profit suggests rising costs or weaker pricing power. The market responded cautiously, and investors will be watching the coming quarters closely to see if Maruti can bounce back.

Read more on: Is Employee Contribution to PF Taxable Under the New Tax Regime in FY26?

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks. Read all the related documents carefully before investing.

Stock Markets and Banks to Remain Closed on May 1, 2025, for Labour Day

Indian stock markets and banks will remain closed on Thursday, May 1, 2025, in observance of Labour Day, a public holiday celebrated across several states to honour the contributions of workers and promote their rights.

This scheduled holiday is part of the official trading and banking calendar and will impact operations across the country.

Stock Market Holiday on May 1, 2025

As per the holiday list issued by both the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE), there will be no trading in equity, equity derivatives, and SLB segments on May 1.

Trading will resume on Friday, May 2, 2025, following this one-day break.

Upcoming Stock Market Holidays in 2025

The May 1 holiday marks the last market holiday in the first half of the year. The next major market closures will take place in August for:

  • Independence Day on August 15 (Friday)
  • Ganesh Chaturthi on August 27 (Wednesday)

Further down the year, the markets will also remain closed on:

  • Gandhi Jayanti and Dussehra (both on October 2)
  • Diwali (October 21–22)
  • Prakash Gurpurb (November 5)
  • Christmas (December 25)

Bank Holiday on May 1, 2025

Banks in multiple states will also remain closed on May 1 to mark Labour Day, also known as Maharashtra Day in the state of Maharashtra. According to the Reserve Bank of India (RBI), banking services such as cheque clearance, in-branch deposits, and withdrawals will be suspended in states that observe Labour Day as a public holiday.

However, digital banking services—including net banking, ATMs, and mobile banking apps—will remain operational. Customers are advised to complete essential banking tasks in advance to avoid any last-minute issues.

Conclusion

The closure of banks and stock markets on May 1, 2025, for Labour Day offers a brief midweek pause for market participants and banking customers. It is advisable to plan financial transactions ahead of time to ensure smooth functioning and avoid inconvenience. Normal operations will resume on May 2, allowing regular trading and banking activities to continue seamlessly.

Read more on: Is Employee Contribution to PF Taxable Under the New Tax Regime in FY26?

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.