Investing in debt-free stocks is a strategy that appeals to risk-averse investors who prioritise financial stability and long-term growth. Debt-free companies are those that operate without the burden of external borrowing, which can often act as a financial strain during market downturns or economic uncertainties.

In February 2025, several companies stand out for their strong financial position, particularly those that are debt-free. These companies have successfully managed to operate without relying on borrowed capital, showcasing their ability to fund operations and growth through internal resources.

Here’s a closer look at the best debt-free stocks for February 2025 based on 5 year CAGR.

Top Debt-Free Stocks in February 2025 – Based on 5Y CAGR

Note: The debt-free stocks list has been curated based on companies with zero debt, sorted by their 5-year (CAGR) as of February 5, 2025, from the Nifty 500 universe.

Overview of 5 Debt-Free Stocks 

1. Tata Investment Corporation Ltd

Tata Investment Corporation (TIC) is an investment company that focuses on portfolio management, including equity and fixed-income investments. It primarily deals with providing long-term investment opportunities, maintaining a diversified portfolio, and managing assets for wealth creation.

TIC reported a significant decline in Q3 FY25, with total income falling by 76.33% to ₹24.21 crore. Operating profit and profit after tax also showed sharp declines, down 80.89% and 57.22%, respectively, despite maintaining a high operating margin of 72.61%.

Key Metrics:

• Return on Equity (ROE): 1.55%
• Return on Capital Employed (ROCE): 1.24%

 

2. Techno Electric & Engineering Company Ltd

Techno Electric & Engineering Company (TEECL), established in 1963 and headquartered in Kolkata, is a leading player in India’s power infrastructure sector. The company specialises in engineering, procurement, and construction (EPC) services, along with asset ownership and operations and maintenance in power generation, transmission, and distribution.

The company is also focused on sustainability through its initiatives in cleaner power generation technologies like Flue Gas Desulphurisation (FGD).

Key Metrics:

• ROE: 13.12%
• ROCE: 14.88%

 

3. Maharashtra Seamless Ltd

Maharashtra Seamless Ltd is engaged in the manufacturing of seamless pipes and tubes, ERW pipes.

Maharashtra Seamless Ltd reported a 3.8% YoY decline in revenue for Q3FY25, despite a 2.0% QoQ increase. The company’s net profit dropped by 32.6% YoY and 15.5% QoQ.

Key Metrics:

• ROE: 18.11%
• ROCE: 20%

 

4. General Insurance Corporation of India

General Insurance Corporation of India serves as the country’s sole reinsurer, providing reinsurance services to domestic general insurance companies.

With a global presence in regions such as the UK, UAE, and Russia, GIC Re offers a broad range of reinsurance products across sectors like property, marine, aviation, and agriculture.

Key Metrics:

• ROE: 13.31%
• ROCE: 9.25%

 

5. ZF Commercial Vehicle Control Systems India Ltd

ZF Commercial Vehicle Control Systems India is a global technology company specialising in advanced mobility solutions. The company operates across multiple sectors, including automotive and industrial, offering products and services in areas like braking systems, wind power, and digitalisation.

ZF has established 18 manufacturing locations and 10 global engineering centres across India, with its regional headquarters in Pune and a technology centre in Hyderabad.

Key Metrics:

• ROE: 15.63%
• ROCE: 19.2%

 

Top Debt-Free Companies by Industry

Top Debt-Free Stocks by Market Capitalisation

Conclusion

Investing in debt-free stocks can be a wise strategy for those looking to minimise risk and prioritise companies with strong financial health and resilience. These companies often offer stability, making them appealing to risk-averse investors.

However, it’s crucial to remember that every investment decision should be aligned with your unique financial goals and risk profile. Consulting with a financial advisor can help tailor your investment strategy and ensure you make informed, well-balanced 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.

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

On February 5, 2025, the Indian stock market benchmark index BSE and the Nifty closed in the red. The BSE Sensex was down by 0.40% closing at 78,271.28, while the Nifty50 was down by 0.18% at 23,696.30. Among sectors, the Nifty FMCG and Nifty Realty indices saw a fall of more than 1.5%.

Top Gainers of the Day

 

• Hindalco Industries 

Hindalco reached a day’s high of ₹604.50, showing a positive movement of 2.90% from its previous close of ₹583.95.

• ITC Hotels

ITC Hotels hit a day’s high of ₹170.30, reflecting a 2.88% increase from its previous close of ₹163.74. ITC Hotels was removed from the Sensex and other BSE indices before trading began today.

• Oil & Natural Gas Corporation

ONGC’s share price reached a high of ₹263, marking a 2.74% gain from the previous close of ₹254.10.

• Apollo Hospitals Enterprise

Apollo Hospitals saw a high of ₹7,008, which represents a 2.44% rise from the previous close of ₹6,792.20.

• Bharat Petroleum Corporation

BPCL’s stock peaked at ₹265.65, reflecting a 2.19% increase from its previous close of ₹255.95.

Top Losers of the Day

• Asian Paints

Asian Paints reached a day’s low of ₹2,237.25 and closed at ₹2,267.80, reflecting a decline of 3.40% from the previous close of ₹2,354.35. Asian Paints reported a 23% decline in its consolidated net profit for Q3 FY25, amounting to ₹1,110 crore compared to ₹1,448 crore in the same period last year.

• Titan Company

Titan’s stock hit a day’s low of ₹3,472.20 and closed at ₹3,525.11, marking a 2.99% drop from the previous close of ₹3,597.70. The company saw a 25% year-over-year (YoY) rise in total income, reaching ₹17,723 crore, but reported a slight 0.6% decline in consolidated net profit for Q3, which amounted to ₹1,047 crore on Tuesday.

• Nestle India

Nestle India’s share price fell to a low of ₹2,225.25 and closed at ₹2,243.50, showing a 2.17% decline from the previous close of ₹2,299.45. It has revealed plans to boost its confectionery production by adding a new KitKat line at its Sanand factory in Gujarat.

• Britannia Industries

Britannia’s stock touched a low of ₹4,924.35 and closed at ₹4,963.00, representing a decrease of 1.96% from the previous close of ₹5,028.35. Britannia’s Chief Marketing Officer, Amit Doshi, has stepped down after serving a three-year term.

• Tata Consumer Products

Tata Consumer Products reached a day’s low of ₹1,010.55 and closed at ₹1,019.57, reflecting a 1.86% decrease from the previous close of ₹1,034.20.

 

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.

Tata Steel said on Tuesday that it has invested heavily in AI, creating over 550 models in 5-6 years, with a focus on operational efficiency, safety, and productivity. Their generative AI platforms are shaping the future of steel manufacturing.

AI-Driven Safety and Productivity

As per news reports, Tata Steel has made groundbreaking strides in integrating Artificial Intelligence (AI) into its operations, building over 550 AI models in the past 5-6 years to improve various aspects such as productivity, quality, and safety.

The company has positioned itself at the forefront of technological transformation, investing significantly in generative AI platforms that combine conventional AI with creative capabilities. This has empowered Tata Steel to offer automated insights and tackle complex challenges in the steel industry.

The focus on AI has not been limited to just production but also extends to critical areas like safety and sustainability.

Real-time detection systems have been developed to identify potential hazards, including improper use of personal protective equipment (PPE) and unsafe practices. These systems enable proactive measures, ensuring a safer work environment and reducing risk.

By analysing safety observations, AI can even predict safety incidents and allow for early intervention.

AI-Enhanced Operations and Efficiency

Tata Steel has also integrated digital tools to enhance supply chain management, energy efficiency, and decision-making, all aimed at improving operational productivity.

The company’s Enterprise Gen AI platform is empowering employees by granting them quick access to organisational data and actionable insights. One significant application is a Gen AI-powered maintenance troubleshooting assistant, which helps shop floor managers minimise downtime and maximise operational efficiency.

Overall, Tata Steel’s approach to AI is grounded in a realistic and value-driven framework. By aligning its AI strategies with clear business goals and key performance indicators (KPIs), Tata Steel is redefining the future of the steel industry, making it a model of innovation and sustainability in manufacturing.

Share Price Performance

Tata Steel’s share price is trading at ₹134.91 at 12:05 PM on the NSE, reflecting a 1.12% increase from its previous close of ₹133.42. The share opened at ₹133.15 and reached a high of ₹135.39, with a low of ₹133.08 during the trading session.

 

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.

Shree Cements’ stock price is showing positive momentum today, trading at ₹28,089.90, up by ₹206.50 or 0.74% at 10:20 AM on the NSE. The stock reached a high of ₹28,300, with a low of ₹27,735.20.

The price has been fluctuating within a narrow range, with the indicative close at ₹28,022.37. The movement reflects a slight upward trend, following the announcement of a ₹50 dividend.

Past Corporate Actions Overview

The corporate action history for the company shows a consistent pattern of dividend declarations. On January 31, 2024, the company declared an interim dividend of ₹50, with the ex-date set for February 8, 2024. In May 2023, an interim dividend of ₹55 was declared, with the ex-date of June 1, 2023.

Earlier, in January 2023, a ₹45 interim dividend was announced, with the ex-date of February 16, 2023. The company also declared a final dividend of ₹55 in May 2024, with the ex-date scheduled for July 23, 2024.

Q3 FY25 Performance Overview

In Q3 FY25, the company reported a decline of 12.31% in revenue, totalling ₹4,684.83 crore compared to ₹5,340.94 crore in the same quarter last year. As of December 31, 2024, its net worth stood at ₹21,139.95 crore, with a debt-equity ratio of 0.04 and a current liability ratio of 83%.

The total debts to total assets ratio was 5%. The operating margin was 24%, and the net profit margin was 4%. On a quarter-on-quarter basis, total sales volumes rose by 15%, from 7.60 million tonnes to 8.77 million tonnes.

Driven by cost optimisation and efficiency initiatives, the total expenditure (excluding depreciation and interest) reduced from ₹4,122 per tonne to ₹3,748 per tonne on a quarter-on-quarter basis.

 

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.

Titan’s share price dropped 1.99% on February 5, 2025, trading at ₹3,525.95 at 9:50 AM on the NSE. The stock opened at ₹3,596 and reached a high of ₹3,652 during the day before slipping to a low of ₹3,514.75.

The stock eased most of the gains accumulated in the past 4 sessions, as the stock snapped its recent upward momentum. Over the last few trading sessions, Titan had experienced a strong performance, but today’s dip marked a reversal, with the stock shedding ₹71.75 from its previous close of ₹3,597.70.

Q3 FY25 Financial Highlights

For the third quarter of FY25, Titan saw its net profit dip by 5% YoY to ₹990 crore, compared to ₹1,040 crore in Q3 FY24. However, there was a sequential improvement with a 40.42% rise in profit from ₹705 crore in the previous quarter.

Revenue from product sales surged 24%, driven by robust demand, especially in the jewellery segment. The company’s jewellery business grew 26%, with India operations benefitting from the festive season.

The watches and wearables division grew 15%, though the wearables category faced a 20% drop due to reduced volumes and lower average selling prices. Titan’s eyecare segment also reported a 16% increase in income, bolstered by strong sales of sunglasses and lenses.

Despite the mixed results, Titan remains optimistic about the future, with continued expansion and investments in emerging businesses like Indian Dress Wear, Fragrances, and Fashion Accessories.

Peer Performance

PC Jeweller’s Q3 FY25 results showed a remarkable recovery, with net profit rising to ₹148 crore compared to a loss of ₹198 crore in the same quarter of the previous year. This improvement comes on the back of a strong demand for jewellery driven by the festive and wedding season.

Revenue surged by nearly sixteen times, reaching ₹639 crore in Q3 FY25. A key factor for this strong performance was the higher gold prices, which led consumers to prefer lighter and lower-carat jewellery, helping to boost sales.

About Titan 

Titan Company Limited, established in 1984, has grown significantly over the years. The company owns 16 brands and operates more than 2,000 retail stores across India. Titan is a prominent player in India’s lifestyle sector, holding leading positions in the jewellery, watch, and eyewear markets. The company has expanded into wearables, Indian dresswear, fragrances, and fashion accessories.

 

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.

PC Jeweller’s stock opened today at ₹14.97 and quickly surged to ₹15.71 at 9:40 AM on the BSE, marking a 5% gain. The stock has been rising for the third consecutive session, following a nearly 4.9% gain yesterday. The day’s high reached ₹15.71, while the low was ₹15.70, indicating steady upward momentum. The previous closing price was ₹14.97.

Q3 FY25 Financial Highlights

PC Jeweller’s Q3 FY25 results showed a remarkable recovery, with net profit rising to ₹148 crore compared to a loss of ₹198 crore in the same quarter of the previous year. This improvement comes on the back of a strong demand for jewellery driven by the festive and wedding season.

Revenue surged by nearly sixteen times, reaching ₹639 crore in Q3 FY25. A key factor for this strong performance was the higher gold prices, which led consumers to prefer lighter and lower-carat jewellery, helping to boost sales.

Festive Surge Powers PC Jeweller’s Q3 Bounce Back

Despite earlier challenges related to liquidity and disputes with some of its lenders, which affected profitability in past quarters, the company’s strong festive demand recovery is evident in these results. This performance stands in contrast to peers such as Kalyan Jewellers, which also saw good growth driven by similar seasonal factors.

PC Jeweller’s strong Q3 FY25 results and stock performance have garnered attention, with shares climbing by 5%, signalling positive investor sentiment and confidence in the company’s recovery and future prospects.

About PC Jeweller

PC Jeweller is an established Indian jewellery retailer that started its journey in 2005 with the opening of its first showroom in New Delhi. The company has since expanded significantly, operating across 42 cities and 14 states in India. Known for its focus on wedding and fine jewellery.

It has also ventured into online retail through its platform. Over the years, the company has continuously expanded its retail presence, with numerous showrooms and state-of-the-art manufacturing units.

 

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.

As per news reports, Ujjivan Small Finance Bank has submitted an application to the Reserve Bank of India for a universal banking license. The move is aimed at diversifying beyond small finance operations and increasing the share of secured loans.

What’s in Store for Ujjivan SFB’s Banking Transition?

The RBI will first conduct an initial review to assess the bank’s eligibility before referring the application to a five-member standing external advisory committee for a detailed evaluation.

As per news reports, if approved, Ujjivan SFB will become one of the small finance banks to have successfully made the shift to a full-service banking model in recent years.

What Criteria Must Ujjivan SFB Meet for Universal Banking License Approval?

To secure a universal banking license, Ujjivan SFB must fulfill various conditions, such as being listed on a recognised stock exchange, having a net worth of at least ₹1,000 crore, and meeting capital requirements.

The bank is also required to demonstrate profitability over the past two years and ensure its gross and net non-performing asset (GNPA, NNPA) ratios are within the stipulated thresholds.

Bank’s Q3 FY25 Financial Highlights

In January 2025, Ujjivan Small Finance Bank reported a 64% decline in net profit, amounting to ₹103 crore for the third quarter ending December 2024, mainly due to increased provisions for bad loans.

The asset quality showed some deterioration, with gross non-performing assets (NPAs) rising to 2.68% of gross advances, up from 2.18% a year ago. The bank also saw an increase in provisions for bad loans, which rose to ₹223 crore, compared to ₹63 crore in the same quarter last year.

However, total income for the quarter rose to ₹1,763 crore, up from ₹1,655 crore a year ago.The bank’s interest income grew to ₹1,591 crore for the quarter, compared to ₹1,471 crore in the same quarter last year.

Despite the profit drop, Ujjivan Small Finance Bank plans to transition to a universal bank and has received board approval to initiate the process with the Reserve Bank of India.

Share Price Performance

Ujjivan Small Finance Bank’s share price opened at ₹37.33 in today’s trading session, slightly lower than the previous close of ₹37.34. The stock reached a high of ₹37.73 and a low of ₹37.25 during the session, reflecting a modest fluctuation in its value.

As of the latest update, the share price is down by ₹0.07, or 0.19%. This comes after the stock dropped 0.37% yesterday, snapping a five-session gaining streak.

 

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.