On April 4, 2025, UCO Bank shares rose by 2.63%, reaching an intraday high of ₹31.19 per share. The stock gained after the bank released a positive Q4 business update.

Q4FY25 Business Growth

UCO Bank reported a 14% year-on-year (YoY) growth in total business, reaching ₹5.13 trillion in Q4FY25, compared to ₹4.50 trillion in Q4FY24.

• Total Advances: Increased by 17.65% YoY to ₹2.20 trillion from ₹1.87 trillion.

• Total Deposits: Grew 11.41% YoY to ₹2.93 trillion, up from ₹2.63 trillion.

• Domestic Deposits: Rose 10.4% YoY to ₹2.76 trillion from ₹2.50 trillion.

However, the CASA Ratio (Current and Savings Account deposits) declined to 37.90% in Q4FY25, compared to 39.25% in the same quarter last year.

About UCO Bank

Founded in 1943, UCO Bank is a government-owned commercial bank headquartered in Kolkata. It operates under a Board of Directors that includes members from the Government of India and RBI, along with professionals from business and finance.

Branches & Global Presence:

• Operates over 3,000 service units across India, including computerised and specialised branches.

• Has 43 zonal offices in India.

• International presence in Hong Kong and Singapore.

• Conducts foreign exchange operations in more than 50 centres across India.

Market Capitalisation and Stock Details

• Market Cap: ₹38,295.81 crore (BSE).

• 52-Week High: ₹62.29 per share.

• 52-Week Low: ₹29.75 per share.

At 9:55 AM, UCO Bank share price was trading 0.49% lower at ₹30.54, while the BSE Sensex was down 0.62% at 75,822.98.

Conclusion

UCO Bank’s solid Q4 performance highlights its steady growth in advances and deposits. However, the decline in the CASA ratio suggests a shift in deposit composition. Investors will watch for further trends in upcoming quarters.

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.

Jupiter Wagons share price is in the spotlight today after its subsidiary, Jupiter Tatravagonka Railwheel Factory Pvt. Ltd. (JTRF), acquired land in Haldiapada, Khordha, Odisha. The company plans to set up India’s first private-sector Railwheel and axle forging plant.

Stock Performance

As of April 4, 2025, Jupiter Wagons share price is trading at ₹364.65, down 3.13% for the day. Over the past month, the stock has gained 24.56%, while it has declined 25.77% in the last 6 months and 6.13% over the past year. However, over the last 5 years, the stock has surged by an impressive 587.37%. 

It reached a 52-week high of ₹748.10 and a 52-week low of ₹270.05. The company’s market capitalisation stands at ₹15,750 crore.

Investment Plans and Production Capacity

Jupiter Tatravagonka plans to invest ₹2,500 crore in multiple phases over the next few years to build the new plant. The facility will have the capacity to produce 100,000 forged wheelsets annually, catering to both domestic and international markets. Nearly 50% of the production is planned for export, mainly to Tatravagonka A.S., a Slovakian rail infrastructure company, and other European clients.

About Jupiter Wagons

Jupiter Wagons is engaged in manufacturing railway wagons, wagon components, and castings in India. Its integrated facilities produce railway wagons, high-speed bogies, and railway castings.

Conclusion

With this strategic expansion, Jupiter Wagons aims to strengthen its position in the railway manufacturing sector while boosting exports to global markets.

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.

HDFC Bank, India’s largest private lender, reported a 14.1% year-on-year (Y-o-Y) increase in deposits for Q4, reaching ₹27.15 trillion. On a quarterly basis, deposits grew by 5.9%. The bank’s average deposits also saw a 16% Y-o-Y rise and a 3.1% increase from the previous quarter, totalling ₹25.28 trillion.

Slower Growth in Advances

The bank’s gross advances grew at a slower pace, rising 5.4% Y-o-Y and 4% sequentially to ₹26.44 trillion. HDFC Bank has indicated that its loan book growth in FY25 will be lower than the industry average as it focuses on bringing down its high credit-deposit (CD) ratio to pre-merger levels.

During FY25, HDFC Bank securitised loans worth ₹57,000 crore, including ₹10,700 crore in Q4 alone.

CASA Deposits See Modest Growth

The bank’s current account savings account (CASA) deposits grew by 5.7% Y-o-Y and 1.4% sequentially to ₹8.29 trillion.

Future Growth Plans

HDFC Bank aims to align its loan growth with industry levels in FY26. By FY27, it plans to outpace the industry in loan book expansion.

About HDFC Bank Limited 

HDFC Bank is an Indian financial services and banking company based in Mumbai. It is the largest private sector bank in India by assets and market value.

As of April 4, 9:26 AM IST, HDFC Bank share price is trading at ₹1,820.25, up ₹25.40 (1.42%) for the day. The stock opened at ₹1,813.00, reaching a high of ₹1,823.95 and a low of ₹1,811.10. HDFC Bank has a market capitalisation of ₹13.93 lakh crore, a P/E ratio of 20.00, and a dividend yield of 1.07%. The stock’s 52-week high stands at ₹1,880.00, while its 52-week low is ₹1,426.80.

Conclusion

HDFC Bank continues to strengthen its deposit base while focusing on balancing its credit-deposit ratio. With plans to accelerate loan growth by FY27, the bank aims for long-term stability and expansion.

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.

Vipul Organics’ shares rose nearly 4% on April 3, 2025, reaching an intraday high of ₹141.50 on the BSE. This rise came even as the broader market remained weak.

Rights Issue Oversubscribed by 80%

The company’s stock gained momentum after it announced the successful closure of its rights issue, which was open from March 21 to April 2, 2025. The issue was oversubscribed by 80%, receiving applications for 7.98 million shares against the 4.43 million shares offered. At a price of ₹46 per share, the company raised ₹20.41 crore, but demand pushed the total applications to ₹36.7 crore.

Vipul Organics’ Managing Director, Vipul P Shah, expressed gratitude for the strong investor response. He stated that despite market uncertainties, shareholder confidence in the company’s future remains strong. The funds raised will be used for the company’s new Sayakha facility, which is a greenfield project.

Stock Performance and Market Capitalisation

As of April 3, 2025, Vipul Organics had a market capitalisation of ₹251.06 crore. However, the stock has seen significant declines, falling over 44% in the last six months and about 7% in the past year.

About Vipul Organics

Vipul Organics is a speciality chemicals company focused on pigments and dyes. It is among the leading manufacturers of pigments, dyestuffs, lake colours, and pigment intermediates in India. The company has 3 manufacturing plants in Maharashtra and exports its products to over 50 countries.

Financial Performance

In Q3 FY25 (December 2024 quarter), Vipul Organics posted revenue of ₹41.54 crore and a net profit of ₹1.45 crore. For the full FY24, its revenue was ₹150.99 crore, with a net profit of ₹3.34 crore.

Conclusion

Despite recent stock declines, the oversubscription of Vipul Organics’ rights issue highlights strong investor trust. The company aims to use the funds to expand its operations.

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.

AU Small Finance Bank share price jumped nearly 5% on April 3 after the company reported strong financial performance for the March 2025 quarter (Q4FY25). Investors reacted positively to steady growth in deposits and loans, highlighting the bank’s resilience despite economic challenges.

Deposits and CASA Growth

AU Small Finance Bank reported a 10.7% increase in total deposits, which rose to ₹1,24,270 crore from ₹1,12,260 crore in December 2024. Compared to last year, deposits grew 27.2%, driven by the bank’s merger with Fincare Small Finance Bank.

The bank’s CASA deposits (Current Account and Savings Account) also grew 5.4% quarter-on-quarter (QoQ) to ₹36,250 crore. However, the CASA ratio slightly declined from 30.6% to 29.2%, indicating a larger share of term deposits.

Loan Portfolio Expansion

On the lending side, gross advances increased 7.7% QoQ to ₹1,08,780 crore. Including securitised and assigned loans, the total gross loan portfolio expanded 6.2% QoQ to ₹1,15,710 crore. Over the past year, the loan book recorded a 19.9% growth from ₹96,490 crore.

₹1,500 Crore Bond Issue for Capital Strengthening

To boost its capital reserves, AU Small Finance Bank’s board approved the issuance of Lower Tier II Bonds worth ₹1,500 crore. These non-convertible bonds will be privately placed and listed on the BSE’s Wholesale Debt Market.

Stock Performance Overview

• Intraday movement: The stock climbed 4.65% to a high of ₹563.85.

• 52-week range: AU SFB is still 25% below its 52-week high of ₹755 (September 2024) but above its 52-week low of ₹479 (March 2025).

• Yearly performance: The stock has dropped 9% in the past year.

• Monthly trends:
  • Fell 5.5% in March

  • Declined 6% in February

  • Gained 7.5% in January

Conclusion

AU Small Finance Bank’s strong Q4 performance reflects steady growth in deposits and loans, boosting investor confidence. Despite recent stock declines, its expansion strategy and capital-raising efforts may support long-term growth.

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

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

Parag Milk Foods’ share price rose over 9% on Thursday after the company announced a fundraising plan worth ₹161 crore. The stock reached a high of ₹185.00, gaining 9.56% on the BSE.

Board Approves Fundraising Plan

At a board meeting held on April 3, Parag Milk Foods approved raising ₹161 crore through the preferential issue of convertible warrants. These funds will be used to reduce debt and support the company’s working capital and capital expenditure needs.

As per the plan, 90 lakh convertible warrants will be issued at ₹179.10 per share (including a ₹169.10 premium). These warrants will later be converted into an equal number of equity shares. The company confirmed this in a regulatory filing.

Shareholders’ Meeting for Approval

To proceed with the fundraising, Parag Milk Foods will hold an EGM (extraordinary general meeting) on May 3, 2025. The meeting will be conducted through video conferencing to seek shareholders’ approval for the issue.

Stock Performance Overview

• Short-term gains: The stock has surged over 28% in the last month but is down 3.5% year-to-date (YTD).

• Long-term returns: Despite a 15% decline in one year, the stock has delivered 135% returns in two years and 180% over the past five years.

At 10:50 AM, Parag Milk Foods share price was trading 8.41% higher at ₹183.05 on the BSE.

Conclusion

Parag Milk Foods’ fundraising move signals strategic efforts to strengthen its financial position. Investors remain optimistic as the stock delivers strong long-term 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.

IndusInd Bank share price in focus after the bank clarified that it has not received any report from PricewaterhouseCoopers (PwC) regarding alleged accounting discrepancies in its derivatives portfolio.

A spokesperson for the bank stated, “IndusInd Bank clarifies that no report from external agencies conducting the review has been received.”

This clarification follows earlier claims that PwC had submitted a report to the bank’s board after reviewing its financial statements. The Reserve Bank of India (RBI) had instructed the bank to complete all corrective measures by the March quarter and disclose relevant details to stakeholders.

Potential Impact on Financials

IndusInd Bank estimates that the discrepancies could impact its financials by 2.35%, which is expected to be absorbed through its profit and loss statement. A possible restatement of Net Interest Income (NII) is also under review.

Investors were expecting PwC’s report to provide details on the ₹2,100 crore discrepancy in derivatives accounting and the actual losses incurred. Although IndusInd Bank expects to remain profitable in Q4, many analysts predict a possible loss.

About IndusInd Bank Limited

IndusInd Bank Limited, headquartered in Mumbai, is an Indian financial services and banking company. Founded in April 1994, it was promoted by the Hinduja Group.

As of April 3, 2025, at 11:23 AM IST, IndusInd Bank share price stands at ₹707.45, up 0.71%. The stock opened at ₹694.95, hit a high of ₹714.70 and a low of ₹693.50. The bank has a market capitalisation of ₹55,110 crore, a P/E ratio of 7.60, and a dividend yield of 2.33%. Its 52-week high is ₹1,576.35, while the 52-week low is ₹606.00.

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.

President Donald Trump’s decision to impose tariffs on all imports to the United States (US) has created new opportunities for India’s textile industry. As competing countries like Vietnam, Bangladesh, and China face higher tariffs, Indian textile exporters could gain an advantage in the US market.

India’s Competitive Advantage

Previously, India, Bangladesh, and Vietnam faced similar tariff rates for cotton apparel exports. However, the new policy has changed the landscape. With Vietnam’s textile exports now subject to a 46% tariff, Bangladesh at 37%, and China at 54%, India may have a better chance to compete in the US market.

“The recent tariff adjustments give India an edge over its competitors. This could help boost India’s textile exports,” said Prabhu Dhamodharan, Convenor of the Indian Texpreneurs Federation.

Potential Boost from Policy Changes

A key factor in India’s textile exports will be buyer sentiment in the US. Industry experts believe that removing India’s 11% import duty on cotton could further strengthen trade ties. If India eliminates this duty, the US may also reduce or remove tariffs on Indian textile products.

India’s Apparel Export Promotion Council (AEPC) has already urged the government to introduce a ‘zero for zero’ duty policy. This means India would remove import duties on textiles, encouraging the US to do the same for Indian exports.

Current US Textile Market Trends

According to US trade data for 2024:

• China accounted for 30% of US textile imports, worth $36 billion.

• Vietnam followed with a 13% share, valued at $15.5 billion.

• India had an 8% share, contributing $9.7 billion.

• Bangladesh, affected by political instability, saw its share drop to 6%, amounting to $7.49 billion.

Overall, the US imported $107.72 billion worth of textiles in 2024, with clothing imports making up the majority, increasing by 2% from $77 billion in 2023 to $79 billion in 2024.

India’s Strong Position in the Global Market

Compared to its competitors, India’s economy is less dependent on the textile sector. Textiles contribute only 2% to India’s GDP, while Bangladesh and Vietnam rely more heavily on the industry, with contributions of 11% and 15%, respectively.

Key Beneficiaries in India

Several Indian textile companies stand to benefit from this shift, including Trident, Welspun India, Arvind, KPR Mill, Vardhman, Page Industries, Raymond, and Alok Industries. These firms generate between 20% and 60% of their revenue from the US market, making them well-positioned to take advantage of the changing trade dynamics.

Conclusion

The new tariff structure in the US presents a significant opportunity for India’s textile industry. If trade policies align favorably, and India removes import duties on cotton, the country could strengthen its position in the global textile market. With competitors facing higher tariffs, India is poised to become a more attractive supplier for US buyers.

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.

The Comptroller and Auditor General (CAG) of India reported on April 1, 2025, that the government suffered a loss of ₹1,757.56 crore after Bharat Sanchar Nigam Limited (BSNL) failed to bill Reliance Jio for infrastructure sharing over a decade.

10 Years of Unbilled Services

BSNL did not enforce its Master Service Agreement (MSA) with Reliance Jio Infocomm Ltd (RJIL) and failed to charge for additional technology used on its shared passive infrastructure. This resulted in revenue losses of ₹1,757.56 crore, including penal interest, from May 2014 to March 2024.

More Revenue Losses

The CAG report also pointed out that BSNL lost another ₹38.36 crore by not deducting its share of the license fee from payments made to Telecom Infrastructure Providers (TIPs). Additionally, the company underbilled Reliance Jio for infrastructure sharing charges, leading to a further loss of ₹29 crore (including GST).

Financial Mismanagement Raises Concerns

The findings reveal serious lapses in BSNL’s financial management and contract enforcement, highlighting ongoing revenue leakages in the state-owned telecom sector. With concerns mounting, industry experts believe this could result in tighter oversight of BSNL’s agreements and policies to prevent further losses. The government has yet to respond to the CAG’s observations.

Conclusion

The CAG report highlights BSNL’s financial mismanagement and revenue leakages. Experts suggest stricter oversight and policy reforms to prevent such losses in the future.

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.