Indian Overseas Bank (IOB) announced its financial results for the fourth quarter of the financial year 2024–25 on Friday, May 2. The bank reported a strong performance, with a 30% year-on-year (YoY) increase in its standalone net profit. The net profit for Q4FY25 stood at ₹1,051.07 crore, compared to ₹808.10 crore in the same quarter last year.

Operating Profit and Net Interest Income Show Growth

The bank’s operating profit before making any provisions or accounting for contingencies also saw a significant rise. It went up by 33.5% YoY, reaching ₹2,617.92 crore, as against ₹1,961.11 crore reported in Q4FY24.

Additionally, Net Interest Income (NII), which is the income the bank earns from its lending activities minus the interest it pays on deposits, also improved. IOB reported a 13% YoY increase in NII, which rose to ₹3,123 crore.

Read More, RailTel Q4FY25 Results: Net Profit Soars 46%, Revenue Up 57% Despite Stock Dip.    

Asset Quality Improves with Lower NPAs

IOB also showed an improvement in its asset quality during the quarter. The bank successfully reduced both its Gross and Net Non-Performing Assets (NPAs):

• Gross NPA: Dropped by 21.3% YoY, standing at ₹5,347.72 crore, compared to ₹6,794.43 crore in Q4FY24.

• Net NPA: Declined by 25% YoY, reaching ₹911.86 crore, down from ₹1,216.86 crore a year earlier.

• Net NPA ratio: Improved to 0.37%, from 0.57% in the same period last year, showing better control over bad loans.

Board Approves Fundraising Plan of Up to ₹5,000 Crore for FY26

Alongside the quarterly results, IOB also shared its fundraising plans for the current financial year (FY26). The bank aims to raise up to ₹5,000 crore through a combination of equity capital and Basel III-compliant Tier II bonds.

Equity Capital Raise – Up to ₹4,000 Crore

The bank’s board has approved raising up to ₹4,000 crore in equity capital. This will include share premium (if applicable) and can be done using one or more of the following methods:

• Follow-on Public Offer (FPO)

• Rights Issue

• Qualified Institutional Placement (QIP)

• Employee Stock Purchase Scheme (ESPS)

• Preferential Issue

• Or a combination of these options

The equity may be raised in one or more phases during FY26. These proposals will be subject to necessary approvals from shareholders in the AGM/EGM and from regulatory authorities.

Basel III-Compliant Tier II Bonds – Up to ₹1,000 Crore

In addition to the equity fundraising, IOB’s board also gave approval to raise up to ₹1,000 crore through the issue of Basel III-compliant Tier II bonds. These funds will be raised based on the bank’s requirements and could be issued:

• Via private placement or public issue

• In India or abroad

• With or without a green shoe option

• In one or more phases during FY26

About Indian Overseas Bank

Indian Overseas Bank is a public sector bank headquartered in Chennai, India. It was among the 14 major banks that were nationalised by the Government of India.

As of May 2 at 3:24 PM IST, Indian Overseas Bank share price stood at ₹37.73, up ₹0.20 or 0.53% for the day. The stock opened at ₹37.54, touched a high of ₹38.40 and a low of ₹37.15 during the trading session. The bank has a market capitalisation of ₹72,750 crore and a price-to-earnings (P/E) ratio of 22.92. It has no declared dividend yield. Over the past 52 weeks, the stock has touched a high of ₹75.55 and a low of ₹33.50.

Conclusion

Indian Overseas Bank has delivered a robust Q4 performance with strong profit growth, better asset quality, and improved margins. With a ₹5,000 crore fundraising plan in place, the bank is well-positioned to strengthen its capital base and support future expansion 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 securities market are subject to market risks, read all the related documents carefully before investing.       

Godrej Properties reported a 19% drop in net profit for the fourth quarter of FY25, ending in March 2025. The company posted a profit of ₹382 crore, down from ₹471 crore in the same quarter last year.

Despite the profit decline, the company’s revenue from operations rose sharply by 48.77% year-on-year (YoY) to ₹2,122 crore, compared to ₹1,426 crore in Q4 FY24.

Higher Costs and Lower Margins

Godrej Properties’ operating profit (EBITDA) fell 6% YoY to ₹567 crore, down from ₹601 crore. Meanwhile, total expenses increased by 54% to ₹2,079 crore, which impacted profitability. The net profit margin also dropped significantly to 14.4%, compared to 24.1% in the previous year.

Read More, RailTel Q4FY25 Results: Net Profit Soars 46%, Revenue Up 57% Despite Stock Dip.   

Record Sales in Q4 FY25

Booking Value Crosses ₹10,000 Crore Mark

The company achieved its highest-ever quarterly booking value of ₹10,163 crore in Q4 FY25, up 7% YoY. It sold 3,703 homes, covering a total area of 7.52 million square feet.

New Launches Across Cities

During the quarter, 12 new projects and phase launches were carried out across 5 cities, boosting overall sales momentum.

FY25 Performance 

Outperformed FY25 Targets

Godrej Properties exceeded its FY25 guidance. It booked a total value of ₹29,444 crore, beating its goal of ₹27,000 crore. It also launched projects worth ₹36,600 crore, higher than its guidance of ₹30,000 crore.

Stock Performance

After the Q4 results, Godrej Properties share price was slightly up by 0.11% at ₹2,161 on the BSE as of 1:15 PM. Over the last year, the stock has declined by 14.54% and is down 22% so far in 2025.

Conclusion

Despite a dip in quarterly profit due to rising expenses and lower margins, Godrej Properties delivered record sales and exceeded its FY25 goals. With a strong pipeline and higher targets for FY26, the company remains optimistic about future growth, though lower delivery volumes may slightly temper expectations.

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 securities market are subject to market risks, read all the related documents carefully before investing.      

On Friday, PNB Housing Finance share price rose sharply by 8%, touching a 7-month high of ₹1,087.95 during intraday trade on the BSE. The sharp jump in stock price came after a major block deal, which saw heavy trading volumes.

By 9:32 AM, a total of around 1.23 crore equity shares changed hands — with 99.7 lakh shares traded on the BSE and 23 lakh shares on the NSE. These shares made up about 4.72% of the company’s total equity.

The stock has made a strong comeback, rising 44% from its recent low of ₹753 in March 2025. It is now nearing its 52-week high of ₹1,201.45, which was hit on September 13, 2024.

Carlyle Group Likely Sold Entire Stake

According to reports, Carlyle Group, a major private equity investor, likely sold all of its remaining 10.44% stake in PNB Housing Finance through a large block deal.

The deal, estimated at around $308 million (₹2,604 crore), was carried out through Quality Investment Holdings, which is Carlyle’s affiliate company. The shares — about 2.71 crore in total — were offered at a floor price of ₹960, which was 5% lower than the stock’s April 30 NSE closing price of ₹1,010.20.

This was a secondary market transaction, meaning the money went to Carlyle and not the company. The sale was managed by IIFL Capital Services.

Earlier, on November 13, 2024, Carlyle had sold 2.45 crore shares, or 9.43% of PNB Housing Finance, through a regular market transaction.

Read More, RailTel Q4FY25 Results: Net Profit Soars 46%, Revenue Up 57% Despite Stock Dip.  

Q4 FY25 Results Show Strong Growth

PNB Housing Finance posted solid financial results for the January–March quarter of FY25:

• Net profit rose by 25% year-on-year to ₹550 crore, up from ₹439 crore in the same quarter last year.

• Net Interest Income (NII) grew by 16.2% year-on-year, reaching ₹734 crore.

• In the affordable housing segment, loan disbursements doubled to ₹1,291 crore.

• In the prime housing segment, disbursements increased by 7%, reaching ₹4,141 crore.

Improved Asset Quality

The company also showed improvement in its loan quality:

• Gross Non-Performing Assets (NPA) dropped to 1.08% as of March 31, 2025, from 1.19% in December 2024 and 1.50% in March 2024.

• Net NPA declined to 0.69% in Q4.

• In the retail loan segment, Net NPA was reported at 0.70%.

This improvement suggests that fewer loans are going bad, which is a positive sign for investors.

About PNB Housing Finance

PNB Housing Finance, backed by Punjab National Bank (PNB), is a well-established player in the Indian housing finance industry.

It offers various loan products including:

• Home loans for individuals

• Loan against property

• Property loans for non-resident Indians (NRIs)

The company operates in 20 Indian states and Union Territories and is led by an experienced management team with expertise in banking, lending, insurance, and technology.

In recent years, the company has reduced its exposure to wholesale lending and is now focusing more on the retail segment, which includes individual borrowers and smaller loans.

Conclusion

With Carlyle’s complete exit and a strong quarterly performance, PNB Housing Finance is now in a stronger position to pursue retail-led growth. 

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 securities market are subject to market risks, read all the related documents carefully before investing.     

The share price of IDFC First Bank increased by 2% on the news that global private equity firm Warburg Pincus has approached the Competition Commission of India (CCI) to get approval for acquiring just under a 10% stake in the bank.

Details of the Deal: Warburg Pincus to Buy Over 81 Crore Preference Shares

As per the regulatory filing made on April 28, Warburg Pincus is planning to acquire a 9.99% stake in IDFC First Bank. This will be done by subscribing to over 81 crore compulsorily convertible cumulative preference shares (CCPS) issued by the bank. These shares can later be converted into equity shares. If the CCI gives the go-ahead, the deal will give Warburg a significant holding in one of India’s fast-growing private banks.

Read More, RailTel Q4FY25 Results: Net Profit Soars 46%, Revenue Up 57% Despite Stock Dip. 

Abu Dhabi Investment Authority Also Looking to Invest

Alongside Warburg Pincus, the Abu Dhabi Investment Authority (ADIA) is also preparing to invest in IDFC First Bank. Its investment will be done through its arm Platinum Invictus B 2025 RSC, which plans to subscribe to 43.72 crore preference shares. Due to this parallel investment, Warburg Pincus’s final stake may be slightly reduced from 9.99% to around 9.48%, depending on the final share allocation.

Both Warburg Pincus and ADIA have clarified in their submissions that their investments will not impact market competition negatively. They have stated that their stake purchases will not lead to any unfair advantage or market concentration. These deals are not expected to disturb India’s banking structure or hurt competition in the financial sector.

Stock Performance of IDFC First Bank

IDFC First Bank’s stock has shown mixed performance across different time periods:

• Over the last 5 trading sessions, the stock has declined by about 3%.

• In the last one month, it has gained a strong 13%.

• In the last 6 months, it has seen a marginal decline of 1.4%.

• In 2025 so far, the stock has moved up by 1.12%.

• However, when looking at a longer timeframe, the stock has dropped nearly 20%.

Currently, IDFC First Bank share price is trading between its 52-week high of ₹84.50 and 52-week low of ₹52.46, with a market capitalisation of ₹47,510 crore.

Conclusion

The planned investments by global players like Warburg Pincus and ADIA reflect strong confidence in IDFC First Bank’s growth story. While its stock performance has been inconsistent, this infusion of funds by reputed investors may help boost its future prospects and strengthen its position in the private banking sector.

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 securities market are subject to market risks, read all the related documents carefully before investing.      

RailTel Corporation of India announced its financial results for the January-March quarter of FY25 on May 1. The company reported a 46.3% rise in net profit, reaching ₹113.4 crore, compared to ₹77.53 crore in the same period last year.

Revenue Rises 57% YoY

RailTel’s revenue from operations increased 57% year-on-year to ₹1,308.28 crore in Q4FY25, up from ₹832.7 crore in Q4FY24.

Read More, Adani Enterprises Shares in Focus:  Revenue and PAT Surged in Q4FY25. 

Strong Operating Performance

• EBITDA (Earnings Before Interest, Tax, Depreciation, and Amortisation) rose to ₹180 crore, up 53.8% from ₹117 crore last year.

• However, the EBITDA margin dropped slightly to 13.73%, down 27 basis points from 14% a year ago.

Comparison with Q3FY25 Results

In the previous quarter (October–December 2024), RailTel had:

• Net profit of ₹65 crore

• Revenue of ₹767.6 crore

• EBITDA of ₹121 crore

• EBITDA margin of 15.8%

This shows that RailTel achieved strong growth in both revenue and profit in the latest quarter.

Stock Performance

As of May 2 at 9:19 AM IST, RailTel Corporation of India share price is trading at ₹322.60, up 8.97% or ₹26.55 from the previous close. The stock opened at ₹313.65 and hit an intraday high of ₹324.85, with a low of ₹313.65. RailTel’s market capitalisation stands at ₹10,360 crore, with a price-to-earnings (P/E) ratio of 39.25 and a dividend yield of 0.62%. The stock has touched a 52-week high of ₹617.80 and a 52-week low of ₹265.50.

Dividends and Yield

Since March 31, 2021, RailTel has announced 10 dividends. In the last 12 months, the company paid a ₹3.85 dividend per share, giving a dividend yield of 1.30% at the current price of ₹296.05.

About RailTel

RailTel, a public sector unit under Indian Railways, was founded in September 2000. Its goal was to build a nationwide broadband and telecom network and to modernise railway safety and control systems. RailTel’s network now spans over 5,000 railway stations, covering major commercial hubs across India. It also provides broadband and VPN services.

Navratna Status

RailTel became the 22nd Navratna PSU on August 30, 2024, a recognition given to high-performing government companies.

Conclusion

RailTel’s Q4FY25 results reflect robust financial and operational growth, backed by rising revenues and profits. Despite short-term stock pressure, its long-term returns, strategic role in India’s digital infrastructure, and Navratna PSU status make it a company to watch for long-term investors.

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 securities market are subject to market risks, read all the related documents carefully before investing.        

 

India’s railway network is often considered the backbone of the nation’s economy. Spanning thousands of kilometres, it ranks as the fourth-largest rail system in the world, after the US, China, and Russia. Operated under the monopoly of the Railway Board, the Indian Railways is known for its affordability and efficiency, making it the most popular option for long-distance travel across the country.

According to the Indian Railways 2023 report, the sector has ambitious plans to begin exporting indigenously manufactured Vande Bharat trains to regions like Europe, South America, and East Asia by 2025-26, highlighting a major push to establish India’s footprint in the global rail market.

Now, let’s take a look at the leading railway stocks in India for May 2025, ranked based on their 5-year compound annual growth rate (CAGR), market capitalisation, and net profit margin.

Best Railway Stocks in India in May 2025 – 5yr CAGR Basis

Note: The best railway stocks list here is as of April 30, 2025. The stocks are sorted as per the 5-Year CAGR, and the market cap is above ₹1,000 crore. 

 

Read More, Best PSU Stocks in May 2025 Based on 5-Yr CAGR: HAL, RVNL, BEL, Power Grid & More. 

Overview of the Best Indian Railways Stocks

1. Jupiter Wagons Limited

Jupiter Wagons Limited specialises in designing, manufacturing, and supplying railway wagons, components, and transport equipment for the rail industry across India and international markets.

In the third quarter of FY24, Jupiter Wagons Limited posted a revenue of ₹1,000.04 crore, an increase from ₹973.63 crore in the second quarter. The company’s net profit rose to ₹97.86 crore, up from ₹88.62 crore in the previous quarter. For the full financial year 2023-24, Jupiter Wagons recorded total revenue of ₹3,641.25 crore and a net profit of ₹332.80 crore.

Key metrics:

• Earning per Share (EPS): ₹8.95
• Return On Equity (ROE): 14.85%

2. Titagarh Rail Systems

Titagarh Rail Systems specialises in innovative transport engineering, producing semi-high-speed trains, metro rail solutions, passenger coaches, and propulsion systems.

During Q3 FY24, the company posted a revenue of ₹902.18 crore, a decline from ₹1,056.95 crore in Q2 FY24. Its net profit also dipped to ₹68.94 crore from ₹85.12 crore in the previous quarter. For the full financial year 2023–24, Titagarh Rail Systems reported a total revenue of ₹3,853.30 crore and a net profit of ₹296.91 crore.

Key metrics:

• EPS: ₹22.93
• ROE: 13.01%

3. Ramkrishna Forgings Ltd

Ramkrishna Forgings Ltd is engaged in the production and supply of forged, machined, and fabricated parts catering to a wide range of sectors such as automotive, railways, agriculture, construction, mining, oil & gas, power, and general engineering.

In December 2024, the company recorded a revenue of ₹952.72 crore, marginally higher than ₹952.32 crore reported in September 2024. For the full financial year 2023–24, the total revenue reached ₹3,489.61 crore. Net profit for the December quarter stood at ₹99.55 crore, a decline from ₹182.80 crore in the previous quarter, while the annual net profit for FY23–24 came in at ₹326.07 crore.

Key metrics:

• EPS: ₹24.46
• ROE: 15.19%

4. Texmaco Rail & Engineering Ltd

Texmaco Rail & Engineering Ltd, a part of the Adventz Group, is an engineering and infrastructure company engaged in the production of rolling stock, hydro-mechanical systems, steel castings, and execution of railway EPC projects.

In December 2024, the company posted a revenue of ₹1,085.88 crore, slightly down from ₹1,116.29 crore in September 2024. For the full year FY23–24, the total revenue stood at ₹3,502.87 crore. Net profit for the December quarter was ₹47.02 crore, compared to ₹48.45 crore in the previous quarter, while the company reported a full-year profit of ₹112.69 crore.

Key metrics:

• EPS: ₹4.57
• ROE: 7.06%

5. Oriental Rail Infrastructure Ltd

Oriental Rail Infrastructure Ltd is involved in producing, purchasing, and selling various products including Recron, seats and berths, Compreg boards. The company also trades in timber wood and related products.

In December 2024, Oriental Rail Infrastructure Ltd reported a revenue of ₹25.10 crore and a net profit of ₹1.37 crore, compared to ₹45.79 crore in revenue and ₹3.04 crore in net profit in September 2024. For the full financial year 2023-24, the company recorded a total revenue of ₹171.58 crore and a net profit of ₹12.01 crore.

Key metrics:

• EPS: ₹1.61
• ROE: 4.01%

Best Railway Stocks in India in May 2025 – Market Cap Basis

Note: The best railway stocks list here is as of April 30, 2025. The stocks are sorted as per the market cap, and the market cap is above ₹1,000 crore. 

 

Best Railway Stocks in India in May 2025 – Net Profit Margin Basis

Note: The best railway stocks list here is as of April 30, 2025. The stocks are sorted as per the net profit margin, and the market cap is above ₹1,000 crore. 

 

Important Factors to Keep in Mind Before Investing in Railway Stocks in India

Before diving into railway stocks, investors should take the following factors into account:

• Government Regulations: As Indian Railways is state-owned, its operations are largely influenced by government decisions regarding infrastructure development, pricing policies, and privatisation efforts. Keeping track of such policy shifts is essential. 
• Company Financials: Examine the financial health of railway-related companies by looking into their revenue trends, profit margins, and debt-to-equity ratios to ensure long-term viability. 
• Technological Progress: Advancements in automation, digital tools, and electrification can significantly improve operational efficiency and safety, which may positively affect company performance. 
• Risk Considerations: Be mindful of risks such as policy changes, operational disruptions, and global or local geopolitical tensions that may affect the sector’s stability. 
• Market Demand: The performance of railway stocks often correlates with rising demand for freight and passenger transport, influenced by economic growth, urbanisation, and trade volumes. 

Conclusion

Railway stocks can be a rewarding investment, but they should be selected based on your individual financial objectives, risk appetite, and investment timeline. Consulting a financial advisor can help create a strategy that aligns with your goals.

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 securities market are subject to market risks, read all the related documents carefully before investing.        

Real estate stocks experienced a strong rally in Wednesday’s intraday session, outperforming the broader market. The BSE Realty Index saw an impressive rise of 3.66%, reaching 6,989.6 — its best session since April 15. Although the index pared back some of the gains, it still closed 3% higher on the day, compared to the slight 0.04% increase in the benchmark Nifty50 index. Despite this positive movement, the realty index has faced a 16% decline so far this year, whereas the Nifty50 has gained 3%.

Macrotech and Godrej Properties Lead the Gains

At 12:20 PM, the realty stocks that led the rally included Macrotech Developers, which gained 4.75%, and Godrej Properties, which rose 4.14%. Other top performers included Prestige Estates Projects, which gained 3.24%, Phoenix Mills, which was up 2.36%, and DLF, which saw an increase of 3.32%. Other notable gainers included Sobha Ltd, which increased by 1.99%, Brigade Enterprises, up 0.92%, and SignatureGlobal India Ltd, which gained 0.89%.

During the intraday session, Macrotech surged as much as 5.8%, while Godrej Properties climbed by 6.5%. Prestige Estates Projects saw a 4.7% gain, and DLF rose by 3.95%.

Read More, Nifty Weekly Expiry Today: RBL Bank Under F&O Ban on April 30. 

Impressive Financial Results Boost Investor Sentiment

• Macrotech Developers (Lodha Group) reported a consolidated profit of ₹921.7 crore for the fourth quarter of FY25, reflecting a 38.5% year-on-year (YoY) growth. The company’s revenue for Q4 FY25 reached ₹4,224.3 crore, marking a 5.12% rise YoY. The company’s total expenses for the quarter amounted to ₹3,233.1 crore, a modest 0.9% increase from the previous year, primarily driven by project costs.

• Prestige Estates Projects is targeting ₹12,000 crore in revenue from a major 62.5-acre township development in Ghaziabad, signalling the company’s entry into the rapidly growing residential market in Delhi-NCR. In addition to this, the company is also developing a commercial project at Delhi’s Aerocity. In a regulatory filing on Tuesday, Prestige Estates announced the launch of the first phase of its ‘The Prestige City, Indirapuram’ township. As part of its expansion, the company extended a corporate guarantee of up to ₹750 crore to its subsidiary.

• Godrej Properties reported strong performance with a 7% rise in sales bookings, totalling ₹10,163 crore for the fourth quarter of FY25, a new record for the company. For the full financial year 2024-25, sales bookings surged by 31% to ₹29,444 crore. With bookings approaching ₹30,000 crore, Godrej Properties is on track to become the largest listed real estate firm by sales bookings for the year.

This robust performance across key real estate players has increased optimism in the sector.

Conclusion

The strong Q4 performance by top real estate companies like Macrotech Developers, Godrej Properties, and Prestige Estates Projects has reignited investor interest in the sector. As demand in key markets like Delhi-NCR gains momentum, the sector may see continued traction 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 securities market are subject to market risks, read all the related documents carefully before investing.