Central Bank of India Shares Fell After Bank Reported Q4FY25 Performance

On April 3, 2025, Central Bank of India shares were in focus, reaching a day low of ₹35.95 at 11:50 AM after opening at ₹37.19. The fall in Central Bank of India shares came after the bank released its update for Q4FY25.

CASA Expected to Drop in Q4FY25

As of March 31, 2024, the total business amounted to ₹6,36,756 million, which is projected to increase to ₹7,05,196 million by March 31, 2025, reflecting a YoY growth of 10.75%. Total deposits are expected to rise from ₹3,85,011 million to ₹4,12,665 million, showing a growth of 7.18%. The CASA (Current Account Savings Account) percentage, excluding inter-bank deposits, is expected to decrease slightly from 50.02% to 48.91%.

On the other hand, gross advances are likely to grow by 16.20%, increasing from ₹2,51,745 million to ₹2,92,531 million. As a result, the CD (Credit-Deposit) ratio, excluding inter-bank advances, is anticipated to improve by 554 basis points, from 65.59% to 71.13%. As of March 31, 2025, the Central Bank of India has achieved a significant milestone by crossing a ₹7.00 Lakh crore business.

Central Bank of India QIP

On March 28, 2025, the bank announced that its Board had approved the issue and allotment of 37,04,61,842 Equity Shares to eligible QIBs at the issue price of ₹40.49 per Equity Share, which includes a discount of ₹ 2.13, i.e., 4.99% of the floor price. As a result, the Central Bank of India raised ₹1,500 crore from the QIP.

 

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.

SEBI Allowed IAs and RAs to Charge Advance Fees For Up to One Year

On Wednesday, April 3, 2025, the capital market regulator, the Securities and Exchange Board of India (SEBI), announced new guidelines allowing investment advisers (IAs) and research analysts (RAs) to charge advance fees for up to 1 year. This is an update from the previous rules, where IAs could charge fees in advance for up to two quarters, and RAs could only charge for a quarter.

SEBI stated in circular, “If agreed by the client, IAs and RAs may charge fees in advance, however, such advance shall not exceed fees for a period of one year”

Scope of New Provision for RAs and IAs

The new provisions regarding fee limits, payment methods, fee refunds, advance fees, and breakage fees will apply only to individual clients and Hindu Undivided Families (HUFs), provided these clients are not accredited investors. These provisions will not apply to non-individual clients, accredited investors, or institutional investors seeking advice from a proxy adviser. For these clients, fee terms will be governed by bilaterally negotiated contracts.

Why SEBI Allowed Changes?

The changes came after concerns were raised regarding the restrictions on advance fee collection. SEBI received representations from both IAs and RAs, who argued that the existing limits on advance fees discouraged long-term recommendations. In response, SEBI issued a consultation paper to extend the advance fee period to one year for both IAs and RAs, which has now been implemented.

 

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.

Dabur Share Price Drops ~7% After Reporting Weak Performance in Q4FY25

On April 3, 2025, Dabur share price fell ~7%, reaching a day low of ₹458.25 at 10:25 AM after opening at ₹479.95 on BSE. The fall in Dabur share price after the company released subdued performance in Q4FY25.

Subdued Performance in Q4FY25

Due to delayed and shortened winters, a slowdown in urban markets, and weakness in general trade, India’s FMCG sector is expected to experience a decline in the mid-single digits. As a result, Dabur’s consolidated revenue is projected to remain flat in Q4 FY25. Additionally, Dabur anticipates a year-on-year contraction of 150-175 basis points in Q4 EBITDA margins, driven by inflationary pressures and operating deleverage.

In Q4, Dabur’s rural business showed resilience, outpacing the growth of urban markets. In terms of channels, organised trade—including modern trade, e-commerce, and quick commerce—sustained its growth momentum, while general trade remained under pressure. Key international markets, such as the MENA region, Egypt, and Bangladesh, are expected to deliver strong performance, resulting in robust double-digit growth in constant currency terms for the international business.

“We remain committed to driving profitable growth despite the current headwinds in demand. Our internal efforts, such as investing in brand building, enhancing go-to-market strategies, and increasing operational efficiency, will enable us to achieve this objective. Furthermore, we anticipate that the incentives outlined in the recent Union Budget will stimulate consumption and facilitate a recovery in the FMCG sector, which Dabur is well placed to capitalise on,” Dabur said in a statement.

Conclusion

After reporting subdued performance in Q4FY25, Dabur share price reacted negatively. The Q4FY25 performance was disrupted due to delayed and shortened winters, a slowdown in urban markets, and weakness in general trade.

 

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.

MOIL Share Price Rose After Reporting Best Ever Production in FY25

On April 3, 2025, MOIL share price was in focus, reaching a day high of 337.55 after opening at 334.60. The gain in MOIL share price follows the release of the best-ever financial year performance in FY’25

Strong Production Across Various Sectors

MOIL has achieved significant milestones in its key performance indicators, demonstrating strong growth across various sectors. The company reached a record production of 18.02 lakh tonnes of manganese ore, marking a 2.7% increase compared to the previous year. Additionally, manganese ore sales also hit a record high of 15.87 lakh tonnes, reflecting a 3.3% year-on-year growth.

Ferro manganese production surged to 12,000 MT, an 18% improvement over the previous year. Moreover, exploratory core drilling reached 1,07,530 meters, showing a 22% increase from the same period last year. This extensive exploration will play a crucial role in expanding production from current mines and developing new manganese mines across the country.

MOIL 9MFY25 Earnings Highlights

During 9MFY25, MOIL reported a remarkable 32% increase in Profit After Tax (PAT), reaching ₹361.55 crore compared to the same period last year. Revenue from operations stood at ₹1,151.55 crore, reflecting an 11% growth over the corresponding period in the previous year. MOIL achieved a production of 13.30 lakh MT of manganese ore, marking a 5% year-on-year increase. Manganese ore sales were recorded at 11.39 lakh MT, which saw a 4% growth year-on-year.

In its continued focus on exploration, MOIL completed 72,350 meters of exploratory core drilling during the period of April- December 2024, a 19% increase compared to the previous year. Additionally, the Board approved an interim dividend of ₹4.02 per share for FY 2025, which is approximately 15% higher than last year’s interim dividend of ₹3.50 per share.

 

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.

Pharma Stocks Rose After Trump Exempted Sector from Reciprocal Tariffs

The US President, Donald Trump, announced reciprocal tariffs on over 180 countries, including India, on April 2, 2025. Trump imposed 26% reciprocal tariffs, half the rate India charges on US imports. Donald Trump has exempted pharmaceutical imports from the reciprocal tariff. As a result, the Nifty Pharma Index rose 4.31% to 21,854.90 at 09:40 AM. All 20 stocks on the Nifty Pharma index were in green, where Gland Pharma, Lupin, Aurobindo Pharmaceuticals, Sun Pharma and Natco Pharma were the top gainers

Pharma Stocks in Focus

Company Name US Revenue (%) in FY24
Gland Pharma 54
Aurobindo Pharma 48
Lupin 37
Dr Reddy’s Laboratories 48
Zydus Lifesciences 46

On April 3, 2025, Gland pharma share price rose ~9%, reaching a day high of 1,767.70. Other pharma stocks, such as Aurobindo Pharma, Lupin, Dr Reddy’s, and Zydus Lifesciences, rose over 5% at 09:45 AM.

Pharma Sector in India

As of November 2024, the Indian pharmaceutical industry ranked the 3rd largest in the world by production volume. Over the years, it has developed into a robust sector, growing at a compound annual growth rate (CAGR) of 9.43% over the past 9 years. India meets over 50% of the global demand for vaccines, 40% of the USA’s demand for generics, and 25% of the UK’s total medicine needs. The domestic industry consists of around 3,000 drug companies and approximately 10,500 manufacturing facilities, cementing India’s significant role in the global pharmaceuticals market.

The pharmaceutical sector is one of the top ten most attractive industries for foreign investment in India. Indian pharmaceutical exports reach over 200 countries worldwide, including highly regulated markets such as the USA, Western Europe, Japan, and Australia. India also supplied approximately 45 tonnes and 400 million tablets of hydroxychloroquine to around 114 countries globally.

 

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.

United Spirits Shares to Trade Ex-Date on April 3: Interim Dividend of ₹4

United Spirits share price will trade ex-date on April 3, 2025, meaning that the shareholders registered in the company’s books will be eligible for the ₹4 interim dividend.

United Spirits Dividend History

Ex-Date Dividend Type Dividend Amount (₹)
July 12, 2024 Final 5.00
Nov 17, 2023 Interim 4.00

United Spirits Q3FY25 Earnings Highlights

In Q3FY25, the company reported consolidated net sales of ₹3,433 Cr, reflecting a year-on-year growth of 14.4%, which is broadly in line with the growth in its standalone business. Consolidated EBITDA stood at ₹568 Cr, marking a growth of 16.9% compared to the previous year. The company’s consolidated profit after tax for the quarter was ₹335 Cr.

Ms. Hina Nagarajan, CEO & Managing Director, commenting on the Q3FY25 performance, said: “Amidst a moderate but sequentially improving demand environment, we have delivered a quarter in line with our aspirations buoyed by the festive season and fast scale-up in the state of Andhra Pradesh. Looking ahead, we remain cautiously optimistic in the short-term while remaining committed to the long-term potential of the India consumer story.”

 

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.

How Trump’s 26% Reciprocal Tariffs Could Impact the Indian Stock Market?

On April 2, 2025, US President Donald Trump made an announcement related to the reciprocal tariffs on trading partners. Donald Trump made no exclusion for any country as he announced reciprocal tariffs on more than 180 countries. In addition, Trump also announced the imposition of a 10% baseline tariff apart from country-specific tariffs.

Trump declared a 26% reciprocal tariff on India, which is half the rate India charges on U.S. imports. Additionally, he introduced a 25% tariff on automobile imports, a move that could affect auto stocks like Tata Motors and Samvardhana Motherson.

Impact of Trump’s Tariff on the Indian Stock Market

Trump’s tariffs could push a negative reaction in the Indian stock market, as indicated by the drop of ~0.21% in Gift Nifty at 08:15 AM on April 2, 2025.

Sectors such as IT and automobiles could experience selling pressure, but in the medium to long term, the market is expected to adjust to the impact. However, as per experts, Trump’s tariff may not have a major negative effect on the economy, which provides some reassurance for the domestic market..

Major Sectoral Impact

Electronic Sector

The reciprocal tariffs will impact the electronics sector, which relied on the U.S. for 32% of its exports during the fiscal year ending March 2024.

However, for Apple, which shifted part of its assembly operations to India, there remains a strong incentive to continue exporting phones from India to the U.S., given the 34% reciprocal tariff added to the existing 20% duty on imports from China.

Textile Sector

In FY24, India exported $9.6 billion worth of textiles and apparel to the U.S., representing about 28% of the total exports in this category. The new round of tariffs could make Indian exports more competitive compared to China and Vietnam, which held market shares of 21% and 19%, respectively, compared to India’s 6%. The reciprocal tariffs have raised duties by 34% for China and 46% for Vietnam.

Key textile stocks to monitor on April 3 include Welspun, Trident, Arvind Limited, KPR Mill, Vardhaman, and Page Industries.

Auto Sector

Truck exporters are likely to face challenges from the increased tariffs in the U.S. For example, Bharat Forge derives about 20% of its revenue from the U.S., while auto component makers such as Samvardhana Motherson (18.6% of revenue from U.S. exports) and Suprajit Engineering (21.78%) are also expected to be impacted.

Pharma Sector Exempted from Tariffs

US President Donald Trump has exempted pharmaceutical exports from the reciprocal tariff. This would come as a relief for companies like Sun Pharma (33% of revenue from the US), Dr Reddy’s Laboratories (48.5%), and Aurobindo Pharma(48.3%).

Certain items such as steel, copper, bullion, energy, and other minerals not available in the U.S. are exempt from the latest tariff announcements. The sharp 4% drop in global copper prices, triggered by the Trump tariffs, is expected to benefit Indian wire and cable manufacturers as well as aluminum producers like Hindalco and Vedanta.

Conclusion

Following the announcement of a 26% reciprocal tariff on imports from India by US President Donald Trump, the Indian stock market may see a negative reaction from investors. This announcement could impact major sectors like automotive, electronics, textile and others.

 

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

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

Stocks That Hit Circuit Limits On April 2, 2025: Godfrey Phillips, NACL and More

On April 2, 2025, BSE Sensex closed 0.78% higher at 76,617.44, while Nifty50 settled higher at 23,332.35, up 0.72%. Amidst the market downturn, stocks like PSB, Blue Jet, and Godfrey Phillips hit circuit limits, reflecting significant price movements. Check out the full list of stocks hitting circuits today.

Stocks That Hit Lower Circuit on April 2, 2025

Symbol LTP %chng Price Band % Volume(Lakhs) Value(₹ Crores)
GODFRYPHLP 7,149.95 0.6 5 1.38 96.55
WEBELSOLAR 1,191.10 -5 5 5.59 68.13
SHAILY 1,689.90 -5 5 1.51 25.6
PANACEABIO 443.35 -1.95 5 2.19 9.75
BLUEJET 798.6 -5 5 0.41 3.29

Stocks That Hit Upper Circuit on April 2, 2025

Symbol LTP %chng Price Band % Volume(Lakhs) Value(₹ Crores)
HESTERBIO 1,786.70 20 20 7.23 122.21
STYLEBAAZA 312.12 20 20 33.93 100.26
NACLIND 123.14 10 10 44.87 54.65
V2RETAIL 1,809.90 5 5 2.92 52.54
AVALON 800 3.91 5 6.18 49

Overview of Companies Hitting Circuits Today

  • Godfrey Phillips 

Godfrey Phillips saw a marginal dip of 0.6%, hitting a 5% lower circuit, with a trading volume of 1.38 lakhs and a value of ₹96.55 crores.

  • Blue Jet

Blue Jet stock fell by 5%, hitting the lower circuit with a volume of 0.41 lakhs and a value of ₹3.29 crores.

  • Hester Biosciences 

Hester Biosciences surged by 20%, hitting the upper circuit with a volume of 7.23 lakhs and a value of ₹122.21 crores.

  • NACL

NACL Industries saw a 10% increase, hitting the upper circuit with a volume of 44.87 lakhs and a value of ₹54.65 crores.

  • V2 Retail

V2 Retail rose by 5%, hitting the upper circuit with a volume of 2.92 lakhs and a value of ₹52.54 crores..

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 Mutual Funds For Lumpsum Investments In April 2025

Investing a lump sum of money in mutual funds can be a powerful strategy for growing wealth over time. Whether you’ve received a windfall, such as an inheritance or a bonus, or simply have a large sum of money sitting idle, lump sum investments offer the potential for significant returns when chosen wisely. However, selecting the right mutual funds for a lump sum investment in 2025 requires careful consideration of the current market conditions, your financial goals, and your risk tolerance. In this blog, we’ll explore some of the best mutual funds for lump-sum investments in 2025.

Best Mutual Funds For Lumpsum Investments in April 2025

Name AUM (₹ Crore) CAGR 3Y (%) Tracking Error
ICICI Pru Infrastructure Fund 6,886.49 28.85 9.96
Motilal Oswal Midcap Fund 23,703.68 28.16 9.49
Nippon India Power & Infra Fund 6,125.29 28.15 7.60
Franklin India Opportunities Fund 5,517.19 27.25 5.96
Bandhan Small Cap Fund 8,474.84 25.34 4.20

Note: The above-mentioned scheme has been selected and sorted based on 3Y CAGR as of April 2, 2025

Overview of Best Mutual Funds For Lumpsum Investments

1. ICICI Pru Infrastructure Fund

The ICICI Prudential Infrastructure Fund is an open-ended equity mutual fund by ICICI Prudential Mutual Fund. The investment objective of the scheme is to achieve capital appreciation by investing in a well-diversified basket of equity for companies conducting business in the development and infrastructure sector.

Key Metrics

  • NAV: 177.43
  • Expense Ratio: 1.16

2. Motilal Oswal Midcap Fund

The Motilal Oswal Midcap Fund is an open-ended equity mutual fund by Motilal Oswal Mutual Fund. The investment objective is to achieve long term capital appreciation by investing in quality mid-cap companies having long-term competitive advantages and potential for growth.

Key Metrics

  • NAV: 105.81
  • Expense Ratio: 0.68

3. Nippon India Power & Infra Fund

Nippon India Power & Infra Fund is an open-ended scheme investing in power & infrastructure sectors. The investment objective is to seek long term capital appreciation by investing in equity/equity related instruments of the companies that are engaged in power and infrastructure space in India.

Key Metrics

  • NAV: 315.33
  • Expense Ratio: 1.03

4. Franklin India Opportunities Fund

Franklin India Opportunities Fund is an ended equity fund suitable for investors seeking long-term capital appreciation by investing in special situation themes.

Key Metrics

  • NAV: 225.51
  • Expense Ratio: 0.59

5. Bandhan Small Cap Fund

Bandhan Small Cap Fund Direct-Growth is an Equity mutual fund scheme from Bandhan Mutual Fund. The fund aims to establish a diverse portfolio of small-cap stocks.

Key Metrics

  • NAV: 44.13
  • Expense Ratio: 0.46

Things to Keep in Mind Before Investing in Lump-Sum Mutual Funds

  • Market Timing Risk: One of the biggest risks of lump sum investing is the difficulty in timing the market. If you invest a large sum when the market is high, you may face short-term losses if the market corrects or declines.
  • Investment Horizon: A lump sum investment is typically suited for long-term goals. If you’re investing for a long-term goal (5-10 years or more), a lump sum can be more beneficial, as the market is likely to recover from short-term volatility over time.
  • Risk Profile: Assess your risk tolerance. A lump sum investment may expose you to higher short-term volatility if you choose riskier funds (e.g., equity funds). If you are risk-averse, a large investment in equities may not suit you, and you might consider more balanced or debt-oriented funds.
  • Asset Allocation: Ensure that your lump sum investment fits into a diversified portfolio. Don’t put all your money into a single type of mutual fund (e.g., only equity funds). A balanced portfolio across equity, debt, and hybrid funds can help reduce risk.

Conclusion

Investing a lump sum amount in mutual funds can be a great way to make your money work harder for you in 2025. By carefully selecting funds that match your risk tolerance and financial goals, you can potentially maximize returns while managing risks.

Ensure steady returns with systematic withdrawals! Estimate your withdrawals with our SWP Calculator and manage your finances seamlessly.

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.

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

Bharti Airtel Share Price in Focus: Expanded Partnership With Nokia

On April 2, 2025, Bharti Airtel share price rose around 2%, reaching a day high of ₹1,760.00 at 12:10 PM, after opening at ₹1,721.95. This gain in Bharti Airtel share price follows the company’s announcement of an expanded partnership with Nokia to enhance its network infrastructure.

 

The telecom giant is collaborating with Nokia to deploy Nokia’s Packet Core appliance-based solutions and Fixed Wireless Access (FWA) for a more efficient network experience. This partnership aims to support Airtel’s expanding 4G and 5G customer base by improving network capabilities.

Integration of 5G and 4G Technologies for Seamless Service

A key feature of this collaboration is the integration of 5G and 4G technologies into a unified set of servers, simplifying Airtel’s network infrastructure. Nokia’s FWA solutions will bolster home broadband capacities and critical enterprise services while enhancing the overall network experience for customers. The integration of Nokia’s automation framework will enable Airtel to launch services with zero-touch while also enhancing core network lifecycle management. This will allow Airtel to deliver new services more efficiently and reduce network operational costs over time.

Airtel’s use of Nokia’s converged Packet Core solution will support the company’s transition to 5G standalone (SA) readiness. The goal is to streamline network architecture to accommodate increasing data demands while reducing operational costs and optimising hardware usage.

Multi-Year Rollout and GenAI Integration

The rollout of these network upgrades will span multiple years, covering most of Airtel’s service regions across India. As part of the collaboration, Airtel will also integrate Generative AI (GenAI) to enhance service orchestration and ensure a more autonomous network management system.

“Nokia’s innovative Packet Core deployment architecture enables critical changes to our network quality and reliability for meeting the fast-rising growth in customer data requirements,” said Airtel CTO, Randeep Sekhon. “This rollout further demonstrates our longstanding success in jointly collaborating to strengthen the overall Airtel customer experience.”

“Nokia and Airtel have a long-standing partnership and we are pleased to bolster its 5G SA readiness,” said Raghav Sahgal, President of Cloud and Network Services at Nokia. “Airtel’s use of Nokia’s Packet Core to build greater network agility and reliability demonstrates how we are both helping customers solve problems and furthering Nokia’s leadership position in the Core space in India and around the world.”

 

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.