EMI Planning: Planning a Trip? ₹75,000 vs ₹1.5 Lakh Personal Loan at 12% – Which Suits You Better?

Travel is no longer considered a luxury, it’s a lifestyle goal. Whether you’re planning a relaxing vacation, an adventurous trip, or a family getaway, expenses can add up quickly. If you are planning to get a personal loan to cover your travel expenses, then you must be aware of the monthly EMIs. 

In this article, we compare two commonly considered loan amounts, ₹75,000 and ₹1.5 lakh, at an interest rate of 12% for a tenure of 3 years. We also break down how choosing either of these options can affect your monthly EMI and total interest outgo. 

Loan Amount vs EMI Impact 

Using an EMI calculator, the monthly instalment for both ₹75,000 and ₹1.5 lakh at 12% interest for 3 years can be easily calculated. Since the loan tenure and interest rate are constant in both cases, the EMI increases in proportion to the loan amount. So, if you double the loan amount, your monthly EMI and overall interest cost will also ~double. 

This helps in better financial planning. If you’re unsure about how much to borrow, checking the monthly EMI in advance can help you decide based on your repayment capacity. 

Scenario 1: ₹75,000 Personal Loan for Travel at 12% for 3 Years 

If you take a ₹75,000 personal loan at 12% annual interest for a 3-year tenure, your monthly EMI comes to ₹2,491/month. Over the loan period, the total repayment would be around ₹89,679, meaning you pay about ₹14,679 as total interest.  

This option can be suitable for short domestic trips or budget travel where you want to keep the monthly burden low and repay comfortably. 

Scenario 2: ₹1.5 Lakh Personal Loan for Travel at 12% for 3 Years 

On the other hand, if you opt for a ₹1.5 lakh personal loan under the same conditions, the EMI doubles to ₹4,982 per month. The total repayment over 3 years would be around ₹1,79,357, which includes about ₹29,357 in total interest.  

This larger loan amount can work if you’re planning international travel, longer stays, or need extra funds for travel shopping and insurance. 

Which Loan Should You Choose? 

The choice between a ₹75,000 and ₹1.5 lakh loan depends entirely on your travel plans and repayment capacity. Consider the following: 

  • Trip Budget: Estimate your total travel costs, including flights, accommodation, meals, transport, and activities. 
  • Repayment Ability: Check your monthly budget. Can you afford an extra ₹2,500 monthly EMI without disrupting essential expenses? 
  • Savings vs. Borrowing: If part of the expense can be managed from savings, consider a smaller loan to reduce your overall interest burden. 
  • Loan Offers: Compare loan offers from different banks and NBFCs. Some lenders offer travel-specific loans or lower interest rates to select customers. 

Also Read: EMI Planning: What Should Be Your EMI If You Earn ₹50,000 Per Month?

Final Thoughts 

If you’re weighing a ₹75,000 vs ₹1.5 lakh personal loan at 12% for 3 years, the key is to align the loan amount with your trip’s cost and your repayment ability. While ₹1.5 lakh offers more spending room, it also comes with a higher monthly commitment. Using an EMI calculator helps simplify the decision-making process, ensuring your travel dream doesn’t turn into a financial burden later. 

 

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. 

MOIL Share Price in Focus on May 5; Records Highest April Production

MOIL Limited announced its April production performance. The company stated that it has begun FY26 on a strong note by achieving its highest-ever April manganese ore production, reinforcing its commitment to operational excellence. 

Best-Ever April Performance in FY26 

MOIL commenced FY26 on a high note with its highest-ever April production of Manganese (Mn) ore, reaching 1.62 lakh tonnes, marking a 1.5% increase over the corresponding period last year. The company also ramped up exploratory core drilling to 11,453 meters, a notable 58% jump year-on-year, underscoring its long-term growth strategy. 

Shri Ajit Kumar Saxena, CMD, MOIL, stated, “MOIL’s April performance sets a positive tone for the year ahead. The organisation remains committed to sustained growth and value creation.” 

Q4 FY25 Performance Highlights 

Earlier this month, the company also declared its financial performance for Q4 and FY25. In the fourth quarter of FY25, MOIL reported a 27% rise in Profit After Tax (PAT) to ₹115.65 crore. The revenue from operations stood at ₹433.40 crore, registering a 4% increase over the corresponding quarter of the previous year, reflecting consistent demand for manganese ore and related products. 

Full-Year FY25 Highlights 

For the entire fiscal year, MOIL delivered a 30% growth in PAT, reaching ₹381.64 crore, while revenue from operations rose to ₹1,584.94 crore, up by 9% year-on-year. Operationally, MOIL produced 18.03 lakh tonnes of Mn ore, a 3% growth, and achieved 15.87 lakh tonnes in ore sales, rising 3.3% over FY24. 

The company also saw a record ferro manganese sales volume of 12,942 MT, marking a 54% increase year-on-year. Exploratory drilling activities for FY25 totaled 1,07,530 meters, showing a 22% growth, reinforcing MOIL’s focus on resource expansion and reserve building. 

Dividend Declaration 

MOIL’s Board of Directors has proposed a final dividend of ₹1.61 per equity share, in addition to the ₹4.02 interim dividend declared earlier, taking the total dividend for FY25 to ₹5.63 per share. 

MOIL Share Price Performance 

On May 5, 2025, MOIL share price opened at ₹340.00, up from its previous close of ₹338.70. At 11:46 AM, the share price of MOIL was trading at ₹334.25, down by 1.31% on the NSE. 

Also Read: NMDC Share Price Rises Following Iron Ore Price Hike & Interim CFO Appointment!

Conclusion 

MOIL’s performance across FY25 and its operational kickoff in FY26 underlines its steady growth trajectory, strategic investments in exploration, and consistent shareholder returns.  

 

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 50 Gains 0.71% on May 5 as Adani Stocks Rally; Kotak, SBI Drag

On Monday, May 5, 2025, the Indian benchmark index Nifty 50 opened at 24,419.50 and was at 24,519.30, up by 0.71%, as of 10:50 AM. As of the same time, it touched the day’s high so far at 24,526.40.  

Even Nifty Next 50, Nifty Midcap Select, Nifty Financial Services were in the green.  

5 Nifty 50 Top Gainers 

The top 5 gainers on the Nifty 50 stocks are, Adani Enterprises, Adani Ports, Trent, Shriram Finance and Bajaj Finserv. These stocks were trading up by 6.06%, 5.47%, 3.95%, 3.45% and 2.75%, respectively.  

5 Nifty 50 Top Losers 

The top 5 losers on the Nifty 50 stocks are Kotak Mahindra, ONGC, Dr. Reddy’sState Bank of India and IndusInd BankThese stocks were trading down by 5.04%, 1.52%, 1.50%, 1.19% and 0.89%, respectively.  

Sectoral Performance: Nifty Private Bank Leads 

As of 11:06 AM, Nifty Oil & Gas, Nifty Financial Services Ex-Bank and Nifty FMCG were trading in the green, which was up by 1.43%, 1.26% and 1.22%, respectively. In the sectoral indices only Nifty Private Bank and Nifty PSU Bank were trading in the red.  

Also Read: SBIN FY25 Net Profit Up 16%; ₹15.90 Dividend Announced!

Conclusion  

Overall, the markets showed positive momentum in early trade on May 5, with major indices and sectors in the green. However, a few banking stocks weighed slightly on sentiment. 

 

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. 

 

Gold Prices Climb: Check Gold and Silver Rates in Your City Today, May 5, 2025

Gold prices edged higher on Monday, buoyed by a weaker dollar, as investors looked ahead to developments in U.S.-China trade relations and the upcoming Federal Reserve policy meeting later this week. As of 01:06 NY Time, spot gold was up 0.46% at $3,256.86 per ounce. 

As of 10:35 AM (IST) in Chennai, 24-carat gold is priced at ₹9,349 per gram, while 22-carat gold costs ₹8,570 per gram. In Hyderabad, the price of 22-carat gold is ₹85,580 per 10 grams, while 24-carat gold is trading at ₹93,360 per 10 grams. 

Gold Prices in India Today on May 5, 2025 

Here is a detailed breakdown of gold prices as of May 5, 2025. 

City  24 Carat Gold (per 10gm in ₹)  22 Carat Gold (per 10gm in ₹) 
Chennai  93,490  85,699 
Hyderabad  93,360  85,580 
Delhi  93,060  85,305 
Mumbai  93,220  85,452 
Bangalore  93,290  85,516 

Silver Prices in India Today on May 5, 2025 

Here are the latest silver (Silver 999 Fine) rates per kilogram in major Indian cities as of today. 

City  Silver Rate (₹/kg) 
Chennai  94,420 
Hyderabad  94,290 
Delhi  93,980 
Mumbai  94,140 
Bangalore  94,220 

Also Read: Difference Between 22K and 24K Gold! 

Conclusion 

Gold and silver prices have shown positive movements in both domestic and international markets. Investors and buyers should stay updated with the latest trends and consider multiple factors, including global market movements and local demand, before making any purchasing decisions.  

Since precious metal prices fluctuate frequently, checking real-time rates can help in making informed choices. 

 

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. 

 

Ather Listing Date Set for May 6: All You Need to Know

Ather Energy IPO, one of the anticipated upcoming IPOs, opened for subscription on April 28, 2025, and closed on April 30, 2025.  

IPO Timeline and Allotment Details 

The company finalised share allotments on Friday, May 2, 2025. Successful bidders can expect the shares to be credited to their demat accounts today on Monday, May 5, 2025. Those who did not receive an allotment will likely receive refunds on the same day. Ather listing date is expected on Tuesday, May 6. 

Issue Structure and Price Band 

This IPO was a book-built issue amounting to ₹2,981.06 crores, comprising a fresh issue of 8.18 crore shares worth ₹2,626.30 crores and an offer for sale of 1.11 crore shares totalling ₹354.76 crores. 

The price band for the Ather Energy IPO was set between ₹304 to ₹321 per share, with a minimum application lot size of 46 shares, requiring retail investors to invest at least ₹13,984. 

Proposed Utilisation of Issue Proceeds 

The company plans to utilise the proceeds from the proposed issue across key areas, including capital expenditure related to setting up an electric two-wheeler (E2W) factory in Maharashtra, for repayment or pre-payment of certain borrowings, investments in research and development, marketing initiatives, and towards general corporate purposes. 

Subscription Status 

On Day 3, April 30, 2025, the Ather Energy IPO subscribed 1.50 times. The public issue was subscribed 1.89 times in the retail category, 1.76 times in the Qualified Institutional Buyers (QIB) category, and 0.69 times in the Non-Institutional Investors (NII) category. 

Ather Energy IPO offered a total of 9,28,67,946 shares. Out of which 2,78,30,383 (29.97%) allocated to QIB, 1,39,15,192 (14.98%) allocated to NII, 92,76,795 (9.99%) allocated to RII, 1,00,000 (0.11%) allocated to employees and 4,17,45,576 (44.95%) allocated to Anchor investors. 

Also Read: SBIN FY25 Net Profit Up 16%; ₹15.90 Dividend Announced!

Conclusion 

With plans for expansion and innovation in the electric mobility space, all eyes are now on the Ather listing date, scheduled for May 6, 2025, to see Ather Energy share price on the exchanges. 

 

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. 

 

SBIN Share Price in Focus on May 5; FY25 Net Profit Up 16%; ₹15.90 Dividend Announced

State Bank of India (SBI), announced its financial results for the quarter and full year ended March 31, 2025. 

Post the announcement, on May 5, 2025, State Bank of India share price (NSE: SBIN) opened at ₹782.00, down from its previous close of ₹800.00. At 9:35 AM, the share price of SBIN was trading at ₹784.60, down by 1.92% on the NSE. 

Profitability Growth 

SBI reported an operating profit of ₹1,10,579 crore for FY25, registering a 17.89% year-on-year (YoY) growth and crossing the ₹1 lakh crore mark for the first time. For the fourth quarter (Q4FY25), the operating profit stood at ₹31,286 crore, up 8.83% YoY. 

The net profit for FY25 came in at ₹70,901 crore, reflecting a YoY growth of 16.08%, while Q4FY25 net profit stood at ₹18,643 crore. Return on Assets (ROA) improved to 1.10% and Return on Equity (ROE) stood at a healthy 19.87%, indicating improved profitability. 

Net Interest Income (NII) for FY25 rose by 4.43% YoY. 

Advances and Deposit Growth 

SBI’s total advances crossed ₹42 lakh crore in FY25, with a 12.03% YoY growth in the whole bank advances. Domestic advances rose 11.56% YoY, while advances from foreign offices grew by 14.84%. 

Among loan segments, SME advances grew the fastest at 16.86% YoY, crossing the ₹5 lakh crore mark. Agri advances followed with 14.29% YoY growth, while retail personal and corporate advances rose 11.40% and 9.00% YoY, respectively. 

Total deposits grew 9.48% YoY, with CASA deposits up 6.34% YoY. CASA ratio stood at 39.97% as of March 31, 2025. 

Asset Quality and Capital Position 

SBI’s asset quality improved during the year. Gross NPA ratio declined to 1.82%, an improvement of 42 basis points (bps) YoY, while Net NPA ratio improved by 10 bps YoY to 0.47%. 

The Capital Adequacy Ratio (CAR) stood at 14.25%, reflecting the bank’s strong capital base to support future growth. 

Digital Banking and Alternate Channels 

SBI continued its digital transformation, with 64% of savings bank accounts acquired through its YONO platform. Alternate channels contributed ~98.2% of total transactions in FY25, up from ~97.8% in FY24, indicating growing digital adoption. 

Also Read: SBI Plans to Raise ₹25,000 Crore Via QIP/FPO in FY26! 

SBI Declares Final Dividend of ₹15.90 Per Share for FY25 

State Bank of India has announced a final dividend of ₹15.90 per equity share (face value ₹1 each), translating to 1590% of the face value, for the financial year ended March 31, 2025.  

The record date to determine the eligibility of shareholders for this dividend is set as Friday, May 16, 2025. In accordance with Regulation 10(1) of the SBI General Regulations, 1955, the register of members will remain closed from May 17, 2025 (Saturday) to May 19, 2025 (Monday), both days inclusive, for the purpose of dividend distribution. The dividend will be paid on May 30, 2025. 

Conclusion 

SBI posted its performance in FY25, driven by record profitability, improved asset quality, and solid growth in advances. 

 

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. 

DMart Share Price Dips 3.04% on May 5; FY25 Revenue Rises 16.7% YoY

Avenue Supermarts Limited declared its standalone and consolidated financial results for the quarter and year ended March 31, 2025. 

Post the announcement, on May 5, 2025, Avenue Supermarts share price (NSE: DMART) opened at ₹3,956.00, down from its previous close of ₹4,059.20. At 9:29 AM, the share price of DMART was trading at ₹3,936.00, down by 3.04% on the NSE. 

Standalone Q4FY25 Performance 

Avenue Supermarts Limited, the operator of DMart retail stores, reported standalone revenue of ₹14,462 crore for the quarter ended March 31, 2025, marking a rise from ₹12,393 crore in Q4FY24. EBITDA for the quarter stood at ₹981 crore, slightly up from ₹940 crore in the same period last year. However, EBITDA margin contracted to 6.8%, down from 7.6% in Q4FY24. 

Net profit also showed a marginal increase, rising to ₹620 crore from ₹604 crore in the year-ago quarter. The PAT margin for the quarter declined to 4.3% compared to 4.9% in Q4FY24, indicating some pressure on profitability despite revenue growth. 

Standalone FY25 Highlights 

For the full financial year FY25, Avenue Supermarts posted standalone revenue of ₹57,790 crore, up from ₹49,533 crore in FY24. EBITDA rose to ₹4,543 crore from ₹4,099 crore in the previous year, but the EBITDA margin narrowed to 7.9%, down from 8.3%. 

Net profit for FY25 stood at ₹2,927 crore, compared to ₹2,695 crore in FY24. PAT margin slightly decreased to 5.1% from 5.4%, in line with the decline in operating margins. 

Consolidated Q4FY25 Results 

On a consolidated basis, Q4FY25 revenue came in at ₹14,872 crore, up from ₹12,727 crore in the corresponding quarter last year. EBITDA was ₹955 crore, almost flat compared to ₹944 crore in Q4FY24. The EBITDA margin dropped to 6.4% from 7.4% in the previous year. 

Net profit declined slightly to ₹551 crore from ₹563 crore in Q4FY24, with PAT margin shrinking to 3.7% from 4.4%. 

Consolidated FY25 Overview 

Consolidated revenue for FY25 reached ₹59,358 crore, rising from ₹50,789 crore in FY24. EBITDA grew to ₹4,487 crore from ₹4,104 crore, but EBITDA margin declined to 7.6% versus 8.1% last year. Net profit stood at ₹2,707 crore, up from ₹2,536 crore in FY24. PAT margin fell to 4.6%, compared to 5.0% previously. 

Commenting on the performance of the company Mr. Neville Noronha, CEO & Managing Director, Avenue Supermarts Limited, said, “Overall business continues to be resilient in metro towns. However, we are doing significantly better in nonmetro towns. We are also having relatively better like-for-like growth in metro towns which have significantly lesser DMart Stores density. While overall gross margins in the matured metro towns will remain soft for a certain period of time, our value positioning is well anchored in the minds of the shoppers of DMart Stores.” 

Also Read: Marico Share Price in Focus: Revenue Grew 12% in FY25, Declared Dividend! 

Conclusion 

Avenue Supermarts demonstrated top-line growth in both quarterly and annual results for FY25. 

 

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. 

Biocon’s Yesintek Gains Major U.S. Market Access

Biocon Biologics Ltd (BBL), a fully integrated global biosimilars company and a subsidiary of Biocon Ltd, has made a significant advancement with its biosimilar Yesintek™ (ustekinumab-kfce).  

Yesintek is a biosimilar to Stelara® (ustekinumab) and has now secured market access agreements representing over 100 million lives in the United States.  

These agreements will significantly improve patient access to cost-effective treatments for chronic autoimmune diseases such as Crohn’s disease, ulcerative colitis, plaque psoriasis, and psoriatic arthritis. 

Indications and FDA Approval 

Several prominent U.S. health plans have included Yesintek in their formularies, starting with Express Scripts, which added Yesintek to its National Preferred Formulary (NPF) effective March 21, 2025.  

Cigna also added Yesintek to its commercial formulary, effective from the same date. UnitedHealthcare will include Yesintek in its various formularies, such as commercial, managed Medicaid, and Medicare plans, starting from May 1, 2025, March 1, 2025, and June 1, 2025, respectively.  

CVS Health and Optum Rx will begin offering Yesintek starting July 1, 2025. In addition, Yesintek has been selected by several other regional health plans, including Navitus, Costco Health Solutions, and MedImpact. 

Yesintek has been FDA-approved since December 2024 for the treatment of chronic autoimmune diseases. It is available in multiple formulations, including 45 mg/0.5 mL PFS, 90 mg/mL PFS, 45 mg/0.5 mL vial, and 130 mg/26 mL vial. Clinical studies have demonstrated that Yesintek is highly similar to Stelara, with comparable pharmacokinetic, safety, efficacy, and immunogenicity profiles. 

Management Commentary 

Shreehas Tambe, CEO & Managing Director, Biocon Biologics Ltd, said, “Yesintek™ (Ustekinumabkfce) represents an important milestone for Biocon Biologics, as this is the first product we have launched in the United States as a fully integrated biosimilars company. The strong adoption of Yesintek™ by payors in the U.S. reflects their confidence in our science, supply reliability, and commercial capability. The listing of Yesintek™ on multiple formularies is another validation that payors in the U.S. are committed to broaden access to affordable treatment options.” 

Josh Salsi, Head of North America, Biocon Biologics Inc., stated, “More than 100 million Americans, representing 70%-80% of the commercial market — are now covered for Yesintek™ (ustekinumabkfce) through commercial formularies. This marks a significant step forward in bringing high-quality, affordable biosimilars to patients managing chronic conditions.” 

Also Read: Biocon Board Greenlights Fundraising Plan of Up to ₹4,500 Crore!

Conclusion 

The broad formulary access and the potential for greater patient affordability mark an important step for Biocon Biologics in expanding its biosimilar portfolio, reinforcing its position in the global biosimilars market. 

 

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. 

Oberoi Realty Interim Dividend: Ex-Date Today, May 5, 2025, for ₹2 Payout

Oberoi Realty Limited’s Board of Directors has declared and approved an interim dividend of ₹2 per equity share for the financial year ended March 31, 2025.  

On May 2, 2025, Oberoi Realty share price (NSE: OBEROIRLTY) opened at ₹1,629.30 and closed at ₹1,614.10, down by 1.68%. The stock price touched its day’s low at ₹1,592.20.  

Oberoi Realty Dividend Record Date 

The company’s Board of Directors, at its meeting held on April 28, 2025, declared a fourth interim dividend of ₹2 per equity share (representing 20% of the face value of ₹10 each) for the fourth quarter of the financial year ended March 31, 2025. 

The company stated that the record date for determining eligible shareholders is May 5, 2025, and the interim dividend will be disbursed starting from May 26, 2025. 

FY 2025 Financial Highlights 

For the financial year ended March 31, 2025 (FY25), the company reported consolidated revenue of ₹5,474.17 crore, marking an increase from ₹4,818.77 crore in FY24. EBITDA for the year stood at ₹3,290.95 crore, up from ₹2,732.85 crore in the previous fiscal. Profit Before Tax (PBT) rose to ₹2,944.89 crore from ₹2,475.73 crore in FY24, while Profit After Tax (PAT) increased to ₹2,224.05 crore compared to ₹1,925.17 crore in FY24. 

However, for the fourth quarter of FY25, the company witnessed a decline in performance. Consolidated revenue for Q4FY25 stood at ₹1,213.33 crore, down from ₹1,558.56 crore in Q4FY24. EBITDA dropped to ₹681.26 crore from ₹1,032.36 crore in the year-ago quarter. PAT declined to ₹432.50 crore from ₹787.71 crore in the corresponding quarter of the previous year. 

Also Read: PTC India Shares to Trade Ex-Date on May 5: Interim Dividend of ₹5! 

About Oberoi Realty Ltd 

Oberoi Realty Ltd headquartered in Mumbai, is one of India’s leading real estate developers. The company specialises in premium projects across various segments, including residential, commercial office spaces, retail, hospitality, and social infrastructure. 

 

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. 

 

 

 

 

 

 

Best Long-Term Stocks in May 2025 – 5yr CAGR Basis: PTC Industries, PG Electroplast, & More

Long-term stocks are investments held over several years with the aim of meeting future financial goals. In this article, check the best long-term stocks in May 2025 in India, based on 5-yr CAGR and other parameters and also learn who can invest in them. 

Best Long-Term Stocks in May 2025 – Based on 5yr CAGR 

Name  Market Cap (₹ in crore)  5Y CAGR (%)  1Y Return (%) 
Authum Investment & Infrastructure Ltd  29,249.02  219.16  108.51 
Lloyds Metals And Energy Ltd  62,526  204.58  62.77 
PG Electroplast Ltd  23,766.70  193.07  278.83 
Transformers and Rectifiers (India) Ltd  14,759.67  169.60  50.48 
PTC Industries Ltd  19,170.69  152.44  64.76 
CG Power and Industrial Solutions Ltd  95,212.04  139.53  14.16 
BSE Ltd  85,523.56  117.63  122.44 
Bls International Services Ltd  14,529.76  117.50  1.59 
Gravita India Ltd  12,676.34  116.55  87.55 
Zen Technologies Ltd  12,649.49  103.69  31.81 

 

Note: The best long-term stocks list provided here is as of May 2, 2025. The stocks are selected from the Nifty 500 stock universe with positive 1-yr returns and are sorted as per their 5-year CAGR. 

Overview of the 5 Best Long-Term Stocks in India for May 2025 

1. Authum Investment & Infrastructure Ltd 

Authum Investment & Infrastructure Limited is engaged in fund-based activities, including investments in shares, securities, and mutual funds, as well as providing loans and advances. For the quarter ended December 31, 2024, the company reported a total income of ₹619.55 crore, a drop from ₹693.62 crore in the same quarter of the previous year. The profit for the period stood at ₹539.41 crore, down from ₹601.36 crore in Q3 FY24.  

Key metrics: 

  • ROE: 62.27% 
  • ROCE: 36.83% 

2. Lloyds Metals And Energy Ltd 

Lloyds Metals & Energy is into the manufacturing of sponge iron, power generation and mining activities. For Q3 FY25, the company posted a total income of ₹16,932 million, reflecting a decline of 12.0% compared to ₹19,236 million in Q3 FY24. However, PAT showed a rise of 17.4%, reaching ₹3,893 million, up from ₹3,315 million in the same quarter of the previous fiscal year. 

Key metrics: 

  • ROCE: 65.16% 
  • ROE: 57.28% 

3. PG Electroplast Ltd 

PG Electroplast Limited (PGEL) specialises in Original Design Manufacturing (ODM), Original Equipment Manufacturing (OEM), and Plastic Injection Molding, serving over 50 top Indian and global brands.

For the quarter ending December 31, FY 2025, PGEL reported operating revenues of ₹967.69 crore, marking a year-on-year growth of 81.9%. The company’s net profit for the quarter stood at ₹40.14 crores, an increase of 108.7% compared to ₹19.24 crores in Q3 FY2024. 

Key metrics: 

  • ROCE: 16.97% 
  • ROE: 18.79% 

4. Transformers and Rectifiers (India) Ltd 

Transformers and Rectifiers (India) Ltd is engaged in the manufacturing of power, furnace and rectifier transformers. For Q3 FY25, the company reported a total income of ₹56,832 lakhs, marking a 53% YoY increase compared to ₹37,102 lakhs in Q3 FY24. PAT stood at ₹5,552 lakhs, a 252% rise from ₹1,576 lakhs in the same quarter last year. 

Key metrics: 

  • ROCE: 24.24% 
  • ROE: 23.35% 

5. PTC Industries Ltd 

PTC Industries Limited is engaged in the manufacturing of metal components for critical and supercritical applications. In Q3 FY25, the company posted a total income of ₹771.1 million, reflecting a 30.6% YoY growth compared to ₹590.6 million in Q3 FY24. PAT touched ₹142.4 million, a 76.2% YoY rise from ₹80.8 million in Q3 FY24. 

Key metrics: 

  • ROCE: 9.22% 
  • ROE: 8.87% 

Best Long-Term Stocks in May 2025 – Based on Net Profit Margin 

Name  Net Profit Margin (%)  5Y CAGR (%) 
Authum Investment & Infrastructure Ltd  160.55  219.6 
Bajaj Holdings and Investment Ltd  94.76  42.50 
JSW Holdings Ltd  91.74  68.90 
Valor Estate Ltd  76.76  110.63 
Tata Investment Corporation Ltd  76.27  51.52 

Note: The best long-term stocks list provided here is as of May 2, 2025. The stocks are selected from the Nifty 500 stock universe, positive 5-year CAGR, and sorted based on net profit margin. 

Best Long-Term Stocks in May 2025 – Based on Return on Investment 

Name  Return on Investment (%)  5Y CAGR (%) 
Nestle India Ltd  110.66  5.91 
Colgate-Palmolive (India) Ltd  68.27  12.14 
CG Power and Industrial Solutions Ltd  47.55  139.53 
Tata Consultancy Services Ltd  46.93  11.38 
Lloyds Metals And Energy Ltd  43.90  204.58 

Note: The best long-term stocks list provided here is as of May 2, 2025. The stocks are selected from the Nifty 500 stock universe, positive 5-year CAGR, and sorted based on return on investment. 

Who Can Invest in Long-Term Stocks in India? 

In India, long-term stocks can be a choice for investors who follow a patient and disciplined approach to investing. These individuals usually aim to achieve financial goals such as retirement planning, funding higher education for their children, or accumulating significant wealth over time. By staying invested for several years, investors can tap into the growth potential of these stocks. This approach not only leverages the power of compounding but can also helps avoid the pressure of reacting to daily market fluctuations. 

Also Read: Best Railway Stocks in India for May 2025: Based on 5-Year CAGR!

Conclusion 

Before making long-term stock investments, it’s important to thoroughly assess the company’s financial health, performance, and growth prospects to make sure that they align with your investment goals and risk tolerance. 

 

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.