PNB Housing Finance share price surged up to 10% on Tuesday, following the announcement of strong Q4 FY25 results. At 9:35 am, the stock was trading at ₹1,084.45 on the NSE, opening with a 7.48% gain and continuing its upward trend from the previous session. Over the last month, the stock has risen by over 20.3%.

The company also declared a final dividend of ₹5 per share for the financial year 2024–25.

Strong Growth in Profit and Income

In Q4 FY25, PNB Housing Finance reported a 28% year-on-year increase in net profit, reaching ₹567.1 crore. Net interest income rose by 19.2% compared to the same quarter last year. A key factor behind the profit growth was a provision write-back of ₹64.85 crore, whereas the same quarter last year had a provision expense of ₹6.63 crore. In the previous quarter, the company had a write-back of ₹36.13 crore.

Other income also increased by 10% YoY, further boosting the company’s earnings.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29.

Improved Asset Quality

The company’s asset quality showed improvement. Gross Non-Performing Assets (NPA) dropped to 1.08% from 1.19% in the previous quarter. Net NPA also declined to 0.69% from 0.8%.

Assets Under Management Cross ₹80,000 Crore

PNB Housing’s Assets Under Management (AUM) crossed ₹80,000 crore, showing a 13% rise from the previous year and a 4.5% increase compared to the previous quarter. Retail loan assets rose by 18.2% YoY to ₹74,802 crore as of March 31, 2025, driven by strong growth in affordable housing and emerging markets. The affordable loan segment alone crossed ₹5,000 crore during the year.

Managing Director and CEO Girish Kousgi said, “With strong focus on collections and consistent performance, gross NPA reduced from 1.50% last year to 1.08% in March 2025. Supported by strong financial performance, our Return on Assets (ROA) rose by 35 basis points to 2.55% for FY25.”

About PNB Housing Finance Limited

PNB Housing Finance Limited is an Indian housing finance company registered with the National Housing Bank. Established under the Companies Act, 1956, the company began operations on November 11, 1988. It is promoted by Punjab National Bank.

As of April 29, 2025, PNB Housing Finance share price is trading at ₹1,030.00, with a market capitalisation of ₹26,760 crore and a P/E ratio of 14.71. The stock has a 52-week high of ₹1,202.20 and a 52-week low of ₹616.60.

Conclusion

PNB Housing Finance’s robust financial performance, improved asset quality, and strong AUM growth signal steady momentum, reinforcing investor confidence in its long-term outlook.

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.         

Shares of One 97 Communications Ltd (Paytm) are in focus after its subsidiary, considered a joint venture (JV) for group consolidation, received a GST show cause notice of ₹5,712 crore. The Directorate General of GST Intelligence (DGGI) claims that GST should be calculated at 28% on the total entry amount, instead of 18% paid earlier on the platform fees by gaming companies.

Industry-Wide Issue and Legal Status

Paytm said that the GST department has sent similar notices to several gaming companies. The matter is already under review by the Supreme Court, which has provided interim relief by putting a stay on further proceedings for now.

Impact on Paytm’s Financials

Paytm clarified that this notice will not affect its main operations. The revenues of First Games are not included in Paytm’s consolidated financials. Also, the share of First Games’ profit or loss is less than 1% of Paytm’s total profit/loss for the financial year ending March 31, 2024. The company’s total exposure to First Games is around ₹225 crore, mainly through a shareholder loan.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29.

About One97 Communications Ltd

One97 Communications Ltd is a multinational technology company based in Noida, Uttar Pradesh, India. Founded in 2000 by Vijay Shekhar Sharma, the company provides digital payment and financial services to both consumers and merchants across India through its various subsidiaries and business operations.

Stock Performance 

As of April 29, 2025, Paytm share price is trading at ₹866.00, down 1.79% for the day. Over the past month, the stock has gained 8.10%, rising ₹64.90. In the last 6 months, it has climbed 16.27%, up ₹121.10, and over the past year, it has surged 129.13%, gaining ₹487.80.

First Games Plans to Challenge GST Demand

First Games plans to file a writ petition against the GST notice, challenging the retrospective application of the GST rules that changed from October 1, 2023. They will also seek interim relief, similar to other gaming companies, and contest the proposed ₹5,712 crore liability for the period from January 2018 to March 2023.

Conclusion

While the GST notice is significant, Paytm has clarified that its exposure is limited and the issue is industry-wide. Investors await further legal developments.

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.    

Tata Technologies share price dropped by over 5% on Tuesday, April 29, to ₹662 per share after nearly 16 million shares, or 3.95% of the company’s equity, were traded in a large block deal. The names of the buyers and sellers are not yet known. A day earlier, reports suggested that TPG Rise Climate, linked to US-based TPG Inc., planned to sell around 15.86 million shares (3.89% stake) in Tata Technologies at a discounted price of ₹670–₹699 per share.

TPG’s Stake and Discounted Sale

As of March 2025, TPG held a 6.01% stake (about 2.43 crore shares) in the company. The reported deal would reduce its holding significantly, with the sale likely offering up to a 5% discount compared to Monday’s closing price.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29.

Core Business and Stock Performance Since Listing

Tata Technologies provides engineering and digital transformation services to global manufacturing companies, helping them design and develop better products. The company had a strong debut on the stock market on November 30, 2023, listing at ₹1,200 per share, far above its IPO price of ₹500. However, the stock has lost nearly 50% of its value since then and has closed lower in 13 of the last 18 months. Even so, it still trades 32% above its IPO price.

Q4 FY25 Profit Jumps 20%, Revenue Slightly Down

For the January–March quarter of FY25, Tata Technologies reported a 20% rise in net profit to ₹188.87 crore, up from ₹157.24 crore a year ago. However, revenue dipped by 1.18% YoY to ₹1,285.65 crore. Operating EBITDA was ₹233 crore, and margins remained flat at 18%.

Dividends and Deal Wins Announced

The company announced a final dividend of ₹8.35 per share along with a special one-time dividend of ₹3.35 per share. It also shared that it secured 17 large deals in FY25, including one major contract worth over $500 million, two deals over $50 million, and another over $20 million.

Conclusion

Tata Technologies continues to strengthen its business through steady profit growth and large deal wins. However, heavy selling pressure from major investors like TPG and weak stock performance since listing highlight the challenges the company faces in maintaining investor confidence in the near term.

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.         

UltraTech Cement Ltd reported a 9.92% increase in net profit for the January–March quarter (Q4 FY25), with profits rising to ₹2,482 crore from ₹2,258 crore in the same period last year.

Higher Revenue and Operational Performance

The company’s consolidated net sales for Q4 FY25 stood at ₹22,788 crore, up from ₹20,069 crore in Q4 FY24. Its profit before interest, depreciation, and tax (EBITDA) rose to ₹4,721 crore from ₹4,250 crore in the same quarter last year.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29.

Annual Performance and Global Sales Volume

For the full financial year, UltraTech achieved sales volumes of 135.83 million metric tonnes (ml mt), one of the highest in the world outside China. Total net sales for FY25 were ₹74,936 crore, compared to ₹69,810 crore in FY24. However, EBITDA for the year slightly dropped to ₹13,302 crore from ₹13,586 crore, and annual net profit declined to ₹6,039 crore from ₹7,005 crore due to increased interest and depreciation costs.

Energy Costs Fall, Capacity Utilisation Remains High

UltraTech said its energy costs dropped by 14% year-on-year thanks to lower fuel prices, which averaged ₹881 per tonne in Q4 FY25 compared to ₹1,025 per tonne last year. The company achieved 89% capacity utilisation in the quarter and 78% for the entire year.

Dividend Announcement

The Board of Directors recommended a dividend of ₹77.50 per share, which totals ₹2,283.75 crore. This represents a 775% payout on the face value of ₹10 per share. The dividend will be taxed in the hands of shareholders, and the company will deduct tax at source as per applicable laws.

Capacity Expansion and Infrastructure Growth

UltraTech continued to expand its production capacity in FY25, adding 42.60 million tonnes per annum (mtpa) through both organic and inorganic growth. The company also commissioned 17.40 mtpa capacity across different locations in India during the year. Additionally, it opened its first bulk cement terminal in Lucknow, Uttar Pradesh, with the ability to handle 1.8 mtpa.

About UltraTech Cement Limited

UltraTech Cement Limited, headquartered in Mumbai, is an Indian multinational and the country’s largest producer of grey cement, white cement, and ready-mix concrete. Globally, it ranks as the fifth-largest cement manufacturer, with an installed production capacity of 152.70 million tonnes per annum and an annual sales volume of 119 million tonnes.

As of 11:09 AM IST on April 29, 2025, UltraTech Cement share price stood at ₹11,910.00, down ₹204.00 or 1.68% for the day. The stock opened at ₹12,201.00, reached a high of ₹12,222.00, and a low of ₹11,885.00 during the trading session. The company’s market capitalisation was ₹3.51 lakh crore, with a price-to-earnings (P/E) ratio of 55.01 and a dividend yield of 0.59%. The stock hit its 52-week high of ₹12,339.00 and its 52-week low of ₹9,408.05.

Conclusion

UltraTech Cement continues to showcase strong operational performance with growing sales, disciplined cost control, and major capacity additions. The company’s focus on expansion and efficiency positions it well for future growth, while rewarding shareholders with a generous 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 securities market are subject to market risks, read all the related documents carefully before investing.         

Adani Green Energy announced its financial results for the January–March quarter of FY25 on Monday, April 28, 2025. The company’s net profit increased by 24% to ₹383 crore compared to ₹310 crore in the same quarter last year.

Revenue from Core Operations Increases

The company’s revenue from its main business activities rose 21.6% to ₹3,073 crore in Q4 FY25, compared to ₹2,527 crore in the corresponding period of the previous year.

Strong Growth in Power Supply Revenue

Revenue from the power supply segment grew 37% during the quarter, reaching ₹2,655 crore, up from ₹1,941 crore in the same period last year.

Rise in Expenses

Adani Green Energy’s total expenses increased by 12% in the fourth quarter, climbing to ₹2,702 crore from ₹2,414 crore recorded in Q4 FY24.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29.

Leadership Update

The company also announced the reappointment of Vneet S. Jaain as the Managing Director, according to its exchange filing.

Share Price Performance

Adani Green Energy share price was ₹934.00 as of 10:34 AM IST on April 29, 2025, down by ₹7.00 or 0.74% from the previous close. The stock opened at ₹960.00 and touched a high of ₹961.90 and a low of ₹933.50 during the trading session. 

The company’s market capitalisation stood at ₹1.48 lakh crore. Its price-to-earnings (P/E) ratio was 118.27, and the stock does not offer any dividend yield. 

Stock Returns

• 5-Year Performance: Adani Green Energy shares have delivered over 343.81% returns to investors over the past five years.

• 1-Year Performance: In contrast, the stock has fallen by 48.31% over the last one year.

• 52-Week High: The stock hit a 52-week high of ₹2,173.65 on June 3, 2024.

• 52-Week Low: It touched a 52-week low of ₹758 on March 3, 2025.

Conclusion

Adani Green Energy continued its growth momentum in Q4 FY25, supported by strong operational performance and higher power supply revenues. While the stock faced pressure over the past year, its robust 5-year returns highlight the company’s long-term potential. 

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.    

UCO Bank reported a 24% rise in consolidated net profit to ₹665.72 crore for the quarter ended March 2025, compared to ₹537.86 crore in the same quarter last year.

Higher Income

The bank’s consolidated total income during the quarter was around ₹8,136 crore, up from ₹6,984 crore a year ago.

Full-Year Performance

For the full FY ended March 31, 2025, UCO Bank’s consolidated net profit grew to ₹2,468 crore, compared to ₹1,671 crore in FY24.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29.

Improved Asset Quality

UCO Bank’s asset quality showed improvement:

• Gross NPA ratio fell to 2.69% from 3.46% a year ago.

• Net NPA ratio dropped to 0.50% from 0.89%.

• The provision coverage ratio stood strong at 96.69%.

Business Growth

The bank’s total business grew 14.12% year-on-year to ₹5,13,527 crore as of March 2025, supported by:

• 17.72% growth in gross advances to ₹2,19,985 crore.

• 11.56% rise in total deposits to ₹2,93,542 crore.

Strong Growth in Retail, Agriculture, and MSME Lending

The RAM (Retail, Agriculture, MSME) portfolio expanded 25.74% year-on-year to ₹1,22,613 crore, driven by:

• 35.09% surge in retail advances.

• 20.02% rise in agriculture advances.

• 18.55% growth in MSME lending.

Branch Network and Government Holding

As of March 31, UCO Bank operated:

• 3,302 domestic branches

• 2 overseas branches (in Hong Kong and Singapore)

• 1 representative office in Iran.

The government’s shareholding reduced to 90.95% from 95.39% after a capital infusion.

About UCO Bank

UCO Bank, earlier known as United Commercial Bank, is a government-owned Indian public sector bank headquartered in Kolkata. It is considered a medium-sized public sector bank in India. UCO Bank was ranked 1948 in the Forbes Global 2000 list in 2018 and secured the 80th position in the Fortune India 500 list in 2020.

As of 09:57 AM, UCO Bank share price is trading at ₹32.19, up 4.58% today. The stock opened at ₹32.15 and touched a high of ₹33.14 and a low of ₹31.80 during the day. The bank has a market capitalisation of ₹40,460 crore, a P/E ratio of 16.52, and offers a dividend yield of 0.87%. Over the past 52 weeks, the stock has hit a high of ₹62.35 and a low of ₹26.81.

Conclusion

With strong profit growth, better asset quality, and expanding business across retail, agriculture, and MSME segments, UCO Bank continues to strengthen its financial position. The bank’s improving fundamentals and wide network expansion indicate positive momentum for future 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.    

Castrol India Limited announced its financial results for the January-March 2025 quarter on Monday, April 28. The company reported an 8% increase in its net profit, which rose to ₹233.46 crore compared to ₹216.24 crore in the same quarter last year.

The company’s revenue from its main business operations also increased by 7.3%, reaching ₹1,422 crore in the fourth quarter of FY25, up from ₹1,325.24 crore during the same period a year ago.

Increase in Expenses

Castrol India’s total expenses for the January-March quarter went up by 7.9% year-on-year (YoY) to ₹1,141.52 crore. In the same quarter of the last financial year, total expenses were ₹1,057.33 crore.

One of the main reasons for this rise in expenses was the increase in the cost of raw materials. The company’s raw material costs jumped by 23.7%, reaching ₹705.92 crore during the quarter, compared to ₹570.65 crore in the corresponding quarter of the previous fiscal year.

Read More, Sensex Weekly Expiry: RBL Bank Under F&O Ban on April 29. 

About Castrol India Limited

Castrol India Limited makes lubricants used in vehicles and industries. It is the second-largest lubricant maker in India and holds about 20% of the total market share. The company is a part of Castrol Limited, which is based in the UK.

Castrol India Share Price Performance

As of April 29, 2025, at 9:27 am IST, Castrol India share price stood at ₹206.85, down 1.27% or ₹2.66 for the day. The stock opened and hit a high of ₹208.91 and touched a low of ₹206.34 during the session. Castrol India has a market capitalisation of ₹20,480 crore, a price-to-earnings (P/E) ratio of 22.07, and offers a dividend yield of 4.11%. The stock’s 52-week high is ₹284.40, and the 52-week low is ₹162.60. 

Over the past month, the share price rose by 0.07%, while it declined by 1.19% in the past six months and fell by 2.40% over the past year. However, over the last 5 years, Castrol India’s stock has delivered a strong return of 59.61%, gaining ₹77.31.

Conclusion

Despite rising raw material costs impacting expenses, Castrol India delivered strong Q4 results with healthy growth in both profit and revenue. The company remains an important player in India’s lubricant market and continues to show resilience in a competitive environment.

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.       

Indian Railway Finance Corporation (IRFC) announced its financial results for the fourth quarter of FY25 today. The company reported a net profit of ₹1,681.87 crore, which is a decrease of 2.1% compared to ₹1,717.32 crore in the same quarter last year.

However, the revenue from operations during the March 2025 quarter showed a positive growth of 3.8% year-on-year (YoY), rising to ₹6,722.83 crore from ₹6,474.58 crore recorded in Q4FY24.

Fundraising Plan for FY26

Along with the quarterly results, IRFC’s board of directors approved a major fundraising plan for the upcoming financial year. The company plans to raise up to ₹60,000 crore during FY26. The funds will be sourced from both domestic and international markets.

The company said that the funds would be raised through a variety of financial instruments such as:

• Tax-Free Bonds

• Taxable Bonds (through private placement or public issue)

• Capital Gain Bonds

• Government Guaranteed Bonds

• Government Serviced Bonds

• Zero Coupon Bonds

• Perpetual Bonds

• Subordinated Bonds

• Market Linked Bonds

• Environment, Social, and Governance (ESG) Bonds

• Separately Transferable Redeemable Principal Parts (STRPP)

• Other types of bonds or debentures

IRFC added that fundraising could also include loans from banks and financial institutions, institutional financing, securitisation of future lease receivables, and external commercial borrowings (ECBs).

The timing and method of the fundraising will depend on market conditions and the company’s funding requirements, which may include meeting Indian Railways’ funding needs, supporting new business opportunities, refinancing existing debts, and general corporate purposes. The funds could be raised in one or more tranches during the year.

Read More, KPIT Technologies Q4 Results: Profit jumps 47%; declared dividend of ₹6; details here. 

IRFC Share Price Movement

IRFC’s stock has been under pressure recently:

• Over the last 3 months, the stock has dropped by 8%.

• Year-to-date (YTD) in 2025, the stock has declined by 16%.

• In the last six months, the stock has fallen by 12%.

• Over the past one year, the stock has recorded a 20% decline.

Despite the short-term weakness, IRFC shares have delivered strong gains over the longer term:

• Over the last two years, the stock price has jumped by 300%.

• Over a three-year period, it has skyrocketed by 465%.

On April 28, 2025, IRFC share price closed at ₹128.10, down by ₹0.70 or 0.54% for the day. The stock had opened at ₹128.00 and touched an intraday high of ₹129.60 and a low of ₹125.63. Earlier in the day, around 10:20 AM, the stock was trading at ₹128.68.

Conclusion

Despite a slight dip in quarterly profits, IRFC continues to show stable revenue growth and is gearing up for an ambitious fundraising plan to support future expansion and Indian Railways’ funding needs. While the stock has seen short-term weakness, its strong long-term returns highlight investor confidence in the company’s fundamentals.

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.         

Indian stock markets bounced back strongly after 2 days of losses, helped by gains in Reliance Industries and some major banking stocks.

The BSE Sensex started the day on a positive note, opening about 120 points higher at 79,344. It continued to move up during the session, hitting a new high for the calendar year at 80,322. By the end of the day, the Sensex closed with a solid gain of 1,006 points, or 1.27%, at 80,218. Meanwhile, the NSE Nifty 50 traded between 24,054 and 24,355 during the day and finally closed 289 points, or 1.2%, higher at 24,329.

Stocks That Hit Upper Circuit on April 28, 2025

Read More, Key Corporate Action This Week: HCL Tech, Tanla Platforms, 360 ONE WAM to Trade Ex-Dividend This Week.

Stocks That Hit Lower Circuit on April 28, 2025

Overview of Companies Hitting Circuits Today

1. PANACEABIO

Closing at ₹538, the stock rose by 3.3%, reaching its 5% upper circuit limit. It witnessed a trading volume of 2.81 lakh shares, amounting to a turnover of ₹15.13 crore.

2. KITEX

The stock closed at ₹244.25, marking a 5% increase. It hit its 5% upper circuit with a volume of 5.3 lakh shares and a total value of ₹12.74 crore.

3. VAKRANGEE

Ending the day at ₹10.12, the stock gained 2.33%, reaching its 5% upper circuit. It recorded a high trading volume of 96.06 lakh shares, with a turnover of ₹9.83 crore.

4. ORCHPHARMA

Closing at ₹840.5, the stock increased by 3.95%, hitting its 5% upper circuit. It saw a trading volume of 1.01 lakh shares, totalling ₹8.44 crore in value.

5. SWSOLAR

The stock declined by 4.99% to close at ₹295.2, hitting its 5% lower circuit. It had a substantial trading volume of 51.76 lakh shares, amounting to ₹153.4 crore in turnover.

Conclusion

After 2 consecutive days of losses, the Indian stock market staged a sharp recovery on April 28, 2025. While several stocks like PANACEABIO, KITEX, and Vakrangee hit their upper circuit limits, indicating strong buying interest, others such as SWSOLAR and WEBELSOLAR were locked at their lower circuits, reflecting heavy selling pressure. 

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.