Best PSU Stocks Under ₹100 - 5yr CAGR Basis - Indian Overseas Bank, NHPC & More

Public Sector Undertakings (PSUs) include companies in which the government holds a majority stake. These stocks span sectors like banking, energy, etc. government policies, global commodity trends, and overall market sentiment influence their prices. There are PSU stocks are currently trading below ₹100. In this article, find the best PSU stocks under ₹100, based on the 5yr CAGR. 

Best PSU Stocks Under ₹100 - 5y CAGR Basis

Note: The best PSU stocks under ₹100 are sorted by their 5yr CAGR and are as of December 3, 2025. 

Overview of Best PSU Stocks Under ₹100

1. Bank of Maharashtra Ltd 

Bank of Maharashtra operates in the banking sector, offering a range of financial services. Its business is organised into segments such as Treasury, Corporate/Wholesale Banking, Retail Banking, and other banking operations. In Q2FY25, the bank reported a 23.09% year-on-year increase in net profit, which rose to ₹1,633 crore compared to ₹1,327 crore in Q2FY24. During the same period, total deposits grew by 12.13%, reaching ₹3,09,791 crore.

Key Metrics: 

• ROE: 22.82%
• ROCE: 8.89%

2. Indian Overseas Bank 

Indian Overseas Bank was established in 1937 by Chidambaram Chettyar and became one of the 14 major banks nationalised in 1969. For the first half of FY26 (HY26), Indian Overseas Bank reported a total income of ₹18,081 crore, up from ₹16,052 crore in HY25. The profit after tax increased to ₹2,337 crore in HY26, compared to ₹1,410 crore in the same period last year.

Key Metrics: 

• ROE: 11.36%
• ROCE: 5.52%

3. NHPC Ltd 

NHPC, a Navratna public sector enterprise, is the Government of India’s flagship hydroelectric power company. It primarily focuses on generating and selling bulk electricity to various power utilities. Additionally, the company is engaged in project management, construction contracts, consultancy services, and power trading. 

For the quarter ended September 30, 2025, the company reported revenue from operations of ₹2,732.11 crore, compared to ₹2,549.25 crore in the same period last year. The profit for the quarter was ₹925.52 crore. 

Key Metrics: 

• ROE: 6.75%
• ROCE: 6.44%

4. MMTC Ltd 

MMTC, a public sector enterprise, was established in 1963 to promote foreign trade in India and manage the export and import of key minerals and metals. Operating under the administrative control of the Ministry of Commerce & Industry, Government of India, the company is involved in trading minerals, metals, precious metals, agricultural products, fertilisers and chemicals, as well as coal and hydrocarbons.

For the quarter ended September 30, 2025, the company reported a total income of ₹38.47 crore, compared to ₹44.58 crore in the same period last year. The profit for the quarter was ₹133.59 crore, compared to ₹38.16 crore in the same period last year. 

Key Metrics: 

• ROE: 5.21%
• ROCE: 6.93%

5. Central Bank of India Ltd

Central Bank of India is a commercial bank with business operations divided into Treasury Operations, Corporate/Wholesale Banking, Retail Banking, and other banking activities. The Treasury Operations segment covers trading in government and other securities, money market transactions, and foreign exchange operations.

For the quarter ended September 30, 2025, the bank reported a total income of ₹10,250 crore, marking a 4.07% increase compared to the same quarter last year. During the same period, net profit surged by 32.86%, amounting to ₹1,213 crore year-on-year.

Key Metrics: 

• ROE: 11.33%
• ROCE: 7.47%

Also Read: Best Long-Term Stocks in Dec 2025!

Conclusion

PSU stocks under ₹100 comprise government-backed companies across sectors such as banking, power, and trading. While these stocks reflect historical growth and operational stability, investors should carefully consider their financial objectives and risk appetite before investing.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a private 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.