Weekly Market Recap: Nifty Volatility, RBI Rate Cut and Q3 FY25 Earnings Week Ended Feb 07

The NSE Nifty 50 and BSE Sensex experienced significant volatility throughout the week ending Friday, February 7, 2025.

The NSE Nifty 50 remained volatile during the week ending Feb 7, 2025. On Feb 3, it opened at 23,319.35 and closed 0.52% lower at 23,361.05. Feb 4 saw a 1.62% gain, with Nifty hitting 23,762.75 before closing at 23,739.25. On Feb 5, selling pressure pushed Nifty down 0.18% to 23,696.30. The decline continued on Feb 6, with the index falling 0.39% to 23,603.35. On Feb 7, Nifty touched a weekly low of 23,444.40, closing at 23,589.95, down 0.06% for the day.

Key Highlights of RBI MPC Meeting

On February 7, 2025, RBI Governor Sanjay Malhotra announced a 25 basis point (bps) cut in the repo rate, reducing it from 6.5% to 6.25%—the first rate reduction after 12 consecutive policy reviews. The Standing Deposit Facility and Marginal Standing Facility were also lowered by 25 bps, while the Monetary Policy Committee (MPC) maintained a neutral policy stance.

Governor Malhotra projected GDP growth at 6.7% for FY26, with quarterly growth rates of 6.7%, 7%, and 6.5% in subsequent quarters. Inflation is expected to moderate, with CPI at 4.4% for the current quarter and 4.2% for FY26. He emphasised that while growth is recovering, it remains lower than the previous year.

Major Q3FY25 Earnings This Week

  • Asian Paints‘ net profit for Q3FY25 fell by 23.3%, reaching ₹1,110 crore. The company’s net sales dropped 6.1% year-on-year to ₹8,522 crore, primarily due to sluggish demand, downtrading, and a subdued festive season.
  • ITC’s Q3 FY25 results revealed a 7% drop in net profit to ₹4,935 crore, while revenue increased by 8% to ₹20,350 crore. 

 

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.

Closing Bell: Stock Market Recap: Sensex Falls 198 Points, Nifty Closes at 23,560 on February 07, 2025

On February 7, 2025, Indian stock markets ended lower despite the Reserve Bank of India (RBI) cutting the repo rate by 25 basis points (bps) to 6.25%. The central bank, however, kept its policy stance unchanged, with RBI Governor Sanjay Malhotra stating that the focus remains on controlling inflation while supporting economic growth.

The BSE Sensex fluctuated throughout the day, touching a high of 78,357 before falling to an intra-day low of 77,476, nearly 900 points down. It eventually closed 198 points lower at 77,860, marking its third consecutive losing session. However, for the week, the Sensex still gained 354 points.

Similarly, the NSE Nifty 50 moved between 23,694 and 23,443 before settling at 23,560, down 43 points.

Top Gainers and Losers

Among Sensex stocks, ITC surged 4.5%, while Bharti Airtel gained 3.5% after reporting a fivefold increase in Q3 profit. Other notable gainers included Zomato, Mahindra & Mahindra, UltraTech Cement, IndusInd Bank, Tech Mahindra, and NTPC.

On the downside, ITC and SBI dropped over 2% following their Q3 results. Adani Ports, TCS, ICICI Bank, Reliance Industries, and Power Grid also ended lower.

Sectoral Performance

The FMCG and PSU Bank indices declined by about 1.5% each, while the Oil & Gas index lost nearly 1%. However, the Nifty Metal index saw strong buying, rising over 2% during the session.

Broader Market Trends

MidCap stocks managed to close slightly higher, while SmallCap stocks saw mild losses. The India VIX, which measures market volatility, dropped by 4%.

Overall, market sentiment remained weak, with more stocks declining than advancing. Out of 4,057 stocks traded on the BSE, 2,433 ended lower, while 1,478 posted gains.

Oil Prices

As of February 07, 2025, at 03:55 PM, Brent Crude was trading at $74.97, up by 0.87%.

 

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.

 

Ola Electric Q3 FY25 Results: Loss Widens to ₹564 Crore, Revenue Falls 19%

Ola Electric reported a net loss of ₹564 crore in Q3FY25, rising from ₹376 crore in the same quarter last year. In the previous quarter (Q2FY25), the company had a net loss of ₹495 crore.

The company’s revenue from operations fell 19.36% year-on-year (YoY) to ₹1,045 crore, compared to ₹1,296 crore in Q3FY24. Ola Electric’s EBITDA (Earnings Before Interest, Tax, Depreciation, and Amortisation) loss widened to ₹460 crore in Q3FY25, up from ₹301 crore in the same period last year.

Market Challenges and Recovery Plans

Ola Electric cited strong festival sales in October, but overall quarterly performance was weak due to competition and service issues. The company claims to have resolved these problems and expects an improved market share and gross margin of 26% in January, up from 20.4% in Q3FY25.

Auto Segment Performance

Automotive gross margin improved by 20 basis points quarter-on-quarter (QoQ) to 20.8%, despite a 14% QoQ revenue drop to ₹1,075 crore. The company benefited from lower bill of materials (BOM) costs and Production-Linked Incentive (PLI) accruals, which contributed a 5 percentage point margin boost.

Higher Costs Impact EBITDA

Excluding exceptional costs like warranty expenses and one-time employee-related costs, consolidated EBITDA fell to -29.2% in Q3FY25 from -19.4% in Q2FY25. Auto segment EBITDA (excluding exceptional items) declined to -18.5% from -12.8% in Q2FY25. Increased marketing expenses, network expansion, and weaker operating leverage were key factors affecting EBITDA.

About Ola Electric Mobility Limited

Established in 2017, Ola Electric Mobility Limited is a company focused on electric vehicles. It manufactures EVs along with key components like battery packs, motors, and vehicle frames at its Ola Futurefactory.

Ola Electric shares, which were listed in August 2024 at ₹76 per share, are currently trading below the IPO price. The stock was listed at ₹76 on NSE and ₹75.99 on BSE. It hit an all-time high of ₹157.53 on August 20, 2024, and a record low of ₹64.68 on January 28, 2025. The stock has declined 13% in the past month and 20% year-to-date (YTD). At 1:45 PM, Ola Electric shares were down 2.50% at ₹70.06 on BSE.

 

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.

M&M Q3 FY25 Results: Profit Rises 20% YoY to ₹3,181 Crore, Revenue Up 18%

Mahindra & Mahindra (M&M) reported strong growth in its financial results for Q3FY25, with higher profits and revenue. The company’s consolidated net profit rose 19.64% year-on-year (YoY) to ₹3,181 crore, compared to ₹2,658 crore in the same quarter last year. Revenue from operations increased 17.74% YoY to ₹41,465 crore from ₹35,218 crore in Q3FY24.

Strong Performance in Auto & Farm Segments

M&M’s auto and farm divisions continued to drive growth and profitability, with an overall profit increase of 16%. The auto segment saw a 21% rise in revenue to ₹23,391 crore, while profit after tax (PAT) increased 20% to ₹1,438 crore. Vehicle sales grew 16% to 2,45,000 units.

The farm segment recorded its highest-ever Q3 market share at 44.2%. Tractor sales rose 20% to 1,21,000 units. Revenue for this division increased 11% to ₹9,537 crore, and PAT was up 11% at ₹996 crore.

Financial Services and Tech Mahindra Growth

Mahindra & Mahindra Financial Services saw a 19% increase in assets under management (AUM), while standalone PAT surged 63%. Tech Mahindra reported strong deal wins and improved EBIT by 480 basis points.

Management’s Statement

Anish Shah, MD & CEO of M&M, highlighted the company’s strong execution across businesses, particularly in auto and farm, leading to higher market share and improved margins.

Rajesh Jejurikar, Executive Director & CEO (Auto & Farm Sector), shared key achievements:

  • M&M became the top company in SUV revenue market share with a 200 bps YoY increase.
  • Light Commercial Vehicle (LCV) market share (<3.5T) rose to 51.9%, up by 230 bps.
  • Auto segment PBIT increased by 120 bps YoY.
  • The farm division achieved a record-high Q3 tractor market share of 44.2%, up by 240 bps YoY, with PBIT growing by 260 bps.

M&M’s strong performance reflects its strategic focus on execution, market expansion, and profitability improvements.

About Mahindra & Mahindra Ltd

Mahindra & Mahindra Ltd is one of India’s most diversified automobile companies, manufacturing a wide range of vehicles, including two-wheelers, three-wheelers, passenger vehicles, commercial vehicles, tractors, and earthmovers. Beyond automobiles, the company operates in several other industries through its subsidiaries and group companies. These include financial services, auto components, hospitality, infrastructure, retail, logistics, steel trading and processing, IT, agriculture, aerospace, consulting, defence, energy, and industrial equipment.

Mahindra & Mahindra share price stood at ₹3,134.25 as of 2:08 PM IST on February 7, down by ₹5.70 (0.18%) for the day. The stock opened at ₹3,168.00 and reached a high of ₹3,219.95, while the day’s low was ₹3,119.05. 

 

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.

Bharti Hexacom Shares Rise 8% After Strong Q3 FY25 Results

Bharti Hexacom shares surged by 7.7% on Thursday, reaching an intraday high of ₹1,412.95 on the BSE, following the release of its Q3 results after market hours.

Stock Performance

By 11:24 AM, Bharti Hexacom shares were up by 6.02%, trading at ₹1,390.1 on the BSE. In comparison, the BSE Sensex was up 0.19% at 78,203.18. The company’s market capitalisation stood at ₹69,505 crore. The stock’s 52-week high was ₹1,606.2, while the 52-week low was ₹755.2.

Q3 FY25 Results: Strong Growth

Bharti Hexacom’s profit after tax (PAT) increased by 23% year-on-year (YoY) to ₹260.9 crore, up from ₹212.7 crore last year. Revenue for the quarter was ₹2,250.7 crore, a 25% increase from ₹1,800.6 crore in the same quarter last year. The company’s EBITDA rose to ₹1,194 crore, compared to ₹862 crore in the previous year. The EBITDA margin stood at 53%, up from 47.9% a year ago.

Mobile Revenue Growth

Mobile revenues grew by 25.5% YoY, driven by tariff adjustments and a focus on premiumising its service portfolio. Bharti Hexacom achieved industry-leading average revenue per user (ARPU) growth, reaching ₹241, compared to ₹200 last year.

Network and Business Expansion

During the quarter, the company rolled out 163 network towers and 433 mobile broadband base stations. Its homes and office business grew by 18.7% YoY, reflecting the success of its fixed wireless access (FWA) expansion strategy, which resulted in 0.4 million new net additions.

Company Overview

Bharti Hexacom, offering mobile, fixed-line telephone, and broadband services under the ‘Airtel’ brand, is a global communication solutions provider with over 550 million customers across India and Africa.

In the past year, Bharti Hexacom shares have gained significantly, outperforming the Sensex, which rose by 8.4%.

 

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.

RBI Cuts Repo Rate by 25 BPS: How Will This Affect Homebuyers?

On February 7, 2025, the Reserve Bank of India (RBI) announced a 25-basis point reduction in the repo rate. This decision aims to make borrowing cheaper, which can help boost economic growth. The cut is expected to bring down loan interest rates, benefiting homebuyers and other borrowers. The move comes amid a slowing economy, lower inflation, and volatile stock markets.

How This Will Affect Borrowers

The RBI’s decision is expected to lower equated monthly instalments (EMIs) on loans, such as home, auto, and personal loans. As a result, consumers can expect cheaper credit. Existing and new borrowers, especially first-time homebuyers, will benefit from this cut.

For example, if your home loan interest rate drops from 8.75% to 8.50%, your EMI for a ₹50 lakh loan over 20 years would go from ₹44,186 to ₹43,391, saving you ₹791 per month.

Impact on the Economy

This move by the RBI aligns with the Union Budget’s aim to encourage consumption and support economic recovery. The rate cut is intended to stabilise the economy by making credit more affordable, boosting the real estate market, and supporting broader economic activities.

What Should Homebuyers Do Now?

  1. New Buyers: Lock in Lower Rates
    If you’re planning to buy a home, now is a good time to secure a loan at a lower interest rate. This will result in more affordable EMIs and reduce your overall loan cost.
  2. Existing Borrowers: Consider Refinancing
    If you already have a home loan, check with your lender to see if they’ve passed on the rate cut. If not, refinancing with another lender could help lower your monthly payments and reduce your interest burden.
  3. Negotiate with Developers
    With lower borrowing costs, the real estate market may see higher demand. Use this opportunity to negotiate better prices or extra perks when buying a property.
  4. Evaluate Your Financial Situation
    While lower interest rates make loans more attractive, it’s important to ensure that you’re financially ready for a long-term commitment. Assess your savings, credit score, and repayment capacity before taking on a loan.
  5. Stay Updated on Market Trends
    Monitor how banks and financial institutions react to the rate cut. Some may offer special discounts or additional benefits. Comparing offers can help you secure the best deal.

Conclusion

The RBI’s repo rate cut offers an opportunity for homebuyers to benefit from more affordable loans. Whether you’re buying a home for the first time or refinancing an existing loan, this policy change could help you save money and make homeownership more accessible.

 

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.

 

Aadhar Housing Finance Share Price Rises Above 4% After Q3 FY25 Profit Soars 17%, AUM Grows by 21%

Aadhar Housing Finance, a non-banking finance company (NBFC), reported a 17.17% rise in its net profit for the third quarter of FY25. The company’s profit after tax (PAT) for Q3 FY25 stood at ₹239.34 crore, up from ₹204.37 crore in the same quarter last year. The total income for the quarter reached ₹797.64 crore, reflecting an 18.51% increase from ₹673.08 crore in Q3 FY24.

Aadhar Housing Finance’s assets under management (AUM) grew by 21%, reaching ₹23,976 crore, compared to ₹19,865 crore in the previous year. The company’s gross non-performing assets (NPAs) improved slightly to 1.36% in Q3 FY25 from 1.40% in the previous quarter, ending December 31, 2023.

Disbursements and 9-Month PAT Growth

The company saw strong disbursements, growing by 20%. The PAT for the first nine months of FY25 stood at ₹667 crore, showing a 22% year-on-year growth.

About Aadhar Housing Finance Ltd

Aadhar Housing Finance Ltd is one of India’s largest housing finance companies, catering to the home financing needs of low-income groups. Aadhar Housing Finance primarily serves the low-income housing segment, offering loans of less than ₹15 lakh. As of December 2023, the average loan size was ₹10 lakh, with an average loan-to-value ratio of 58.3%.

Aadhar Housing Finance share price (NSE: AADHARHFC) is currently trading at ₹408.75, up by ₹15.80 (4.02%) as of 11:23 AM IST on February 7. The stock opened at ₹399.00, reached a high of ₹411.25, and a low of ₹398.15. The company has a market capitalisation of ₹17.60K crore and a P/E ratio of 20.92. Its 52-week high is ₹516.80, while the 52-week low is ₹292.00.

 

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.

 

Shantanu Naidu Joins Tata Motors as GM, Shares Emotional Post

Shantanu Naidu, the close aide and manager of the late Ratan Tata, has announced an important career move on LinkedIn. Naidu, often seen as Tata’s right-hand man in his final years, shared his excitement about joining Tata Motors in a senior position.

New Role at Tata Motors

Naidu revealed in his post, “I’m happy to share that I’m starting a new position as General Manager, Head – Strategic Initiatives at Tata Motors!”

He also shared a personal connection with the company, recalling how his father used to return home from the Tata Motors plant wearing a white shirt and navy pants. “It comes full circle now,” he wrote. Alongside the post, he shared a picture of himself with a Tata Nano, a car that represented Ratan Tata’s dream of affordable mobility in India.

A Special Bond with Ratan Tata

Naidu’s relationship with Ratan Tata was not just professional but deeply personal. Tata even mentioned Naidu in his will, showing the strong bond they shared. As per a report, Tata gave up his stake in Naidu’s startup, Goodfellows, and also waived his education loans.

Emotional Farewell to Ratan Tata

After Ratan Tata passed away on October 9, 2024, in Mumbai, Naidu shared a heartfelt tribute:

“The hole that this friendship has now left with me, I will spend the rest of my life trying to fill. Grief is the price to pay for love. Goodbye, my dear lighthouse.”

Tata, a legend in the Indian corporate world, was 86 at the time of his passing. His legacy continues through those he mentored, including Naidu.

 

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.

Budget 2025: Govt Allocates ₹2,703 Crore to Boost Fisheries

The Indian government has allocated a record-high budget of ₹2,703.67 crore for the fisheries sector in 2025-26. This marks a 3.3% increase from last year’s allocation of ₹2,616.44 crore. Out of this, ₹2,465 crore has been set aside for the Pradhan Mantri Matsya Sampada Yojana (PMMSY), which is a 4.8% rise from the previous year’s ₹2,352 crore. Finance Minister Nirmala Sitharaman emphasised India’s leading position in aquaculture and seafood exports while announcing measures to strengthen the sector further.

Sustainable Fisheries Development in EEZ and High Seas

A new framework has been proposed to sustainably harness marine fisheries from India’s Exclusive Economic Zone (EEZ) and High Seas, with a special focus on Andaman & Nicobar (A&N) and Lakshadweep Islands. India’s vast EEZ of 20 lakh sq. km and its 8,118 km coastline have a marine potential of 53 lakh tonnes (as per 2018 estimates), offering significant growth opportunities. The government aims to promote deep-sea fishing and support fishers in acquiring specialised Resource-Specific Fishing Vessels.

Fisheries Development in Andaman & Nicobar Islands

The government plans to tap into the 1.48 lakh tonnes of fisheries potential in the A&N Islands, including 60,000 tonnes of tuna. Key initiatives include:

  • Development of a Tuna Cluster
  • Establishment of on-board processing and freezing facilities for tuna fishing vessels
  • Single-window clearances for deep-sea fishing vessels
  • Promotion of sea cage culture, seaweed farming, ornamental fish, and pearl cultivation

Fisheries Development in Lakshadweep Islands

The Lakshadweep Islands have a fisheries potential of 1 lakh tonnes, including 4,200 tonnes of tuna. The government has introduced a Seaweed Cluster to encourage economic growth. Initiatives include:

  • Island-wise area allocation and leasing policies
  • Support for Self-Help Groups (SHGs) led by women
  • Capacity-building programs in collaboration with ICAR and private entrepreneurs
  • Promotion of tuna fishing and ornamental fish farming

Increased Credit Access for Fishers

To improve financial inclusion in the fisheries sector, the Kisan Credit Card (KCC) lending limit has been raised from ₹3 lakh to ₹5 lakh. This will help fishers, farmers, and processors get easier access to funds for their working capital needs. The increased credit availability will support the adoption of modern techniques, benefiting rural development and economic stability.

Reduction in Import Duties for Seafood Processing

To enhance India’s competitiveness in global seafood markets, the government has reduced Basic Custom Duty (BCD) on key seafood processing inputs:

  • Frozen fish paste (Surimi): Reduced from 30% to 5% to support manufacturing of value-added seafood products like imitation crab meat sticks and shrimp analogues.
  • Fish hydrolysate: Reduced from 15% to 5%, which will lower production costs and boost profits for shrimp farmers.

India’s Growing Fisheries Sector

The Indian fisheries sector is one of the fastest-growing ‘sunrise sectors’ of the economy. According to a NITI Aayog report (2024), the sector recorded an impressive 9.08% annual growth in value between 2014-15 and 2022-23. India ranks 2nd globally in fish production with an 8% share and recorded a total fish production of 184.02 lakh tonnes in 2023-24. It also ranks 2nd in aquaculture production, with 139.07 lakh tonnes in 2023-24. Additionally, India is one of the top exporters of seafood, with total exports worth ₹60,524 crore in 2023-24.

Government’s Commitment to a Strong Fisheries Sector

With over 30 million people dependent on the fisheries sector for their livelihood, the government remains committed to its development under the vision of ‘Sabka Saath, Sabka Vikas, Sabka Vishwas, Sabka Prayas’. The new budget measures aim to further boost production, improve exports, and strengthen India’s position as a leading player in the global seafood market. The government’s vision aligns with its long-term goal of making India a developed nation (Viksit Bharat) by 2047.

 

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.

Closing Bell: Sensex dipped to 78,058.16 and Nifty50 to 23,603.35 on Feb 6, 2025

On February 6, 2025, major equity indices closed in negative territory as investors waited for the RBI MPC decision expected on Friday, February 7, 2025.

The BSE Sensex fell by 213.12 points (0.27%) to close at 78,058.16. During the day, it traded between 78,551.66 and 77,843.99. The NSE Nifty50 dropped by 92.95 points (0.39%) to end at 23,603.35, with the day’s high at 23,773.55 and the low at 23,556.25.

Top Gainers and Losers

Among the Nifty50 constituents, 30 stocks closed in the red. Stocks such as Trent, Bharat Electronics, Bharti Airtel, ONGC, and Titan fell by up to 8.39%. Meanwhile, Cipla, Adani Ports, Infosys, and Dr Reddy’s Labs posted gains of up to 2.51%.

Sectoral Performance

Other indices also followed the downward trend. The Nifty Midcap100 and Nifty Smallcap100 fell by 1.26% and 0.30%, respectively. Sectoral indices on the NSE ended the day on a mixed note.

Oil Prices

As of February 06, 2025, at 03:41 PM, Brent Crude was trading at $74.84, down by 0.31%.

 

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.