Bajaj Finance Ltd is a player in India’s financial services sector. Over the years, the company has demonstrated its performance in various business segments. However, as with any investment, a closer look at its financial health, business model, and market positioning is crucial before making a decision. 

Financial Performance & Growth 

In Q3 FY25, Bajaj Finance reported growth across several key metrics. The number of new loans booked reached an all-time high of 12.06 million, marking a 22% increase from 9.86 million in Q3 FY24. The company’s customer franchise also saw significant expansion, growing by 21% to 97.12 million as of 31 December 2024, compared to 80.41 million in the same period last year.  

Additionally, Assets Under Management (AUM) grew by 28% to ₹398,043 crore, up from ₹310,968 crore in Q3 FY24. The company’s net income increased by 23% to ₹9,382 crore, reflecting strong financial health. 

Bajaj Finance’s profit after tax (PAT) grew by 18% to ₹4,308 crore in Q3 FY25, compared to ₹3,639 crore in the same quarter of the previous year. The capital adequacy ratio (CRAR) stood at a healthy 21.57%, with Tier-I capital at 20.79%, reinforcing the company’s financial stability. 

On a standalone basis, Bajaj Finance continued its performance, with AUM growing by 26% to ₹2,93,370 crore as of 31 December 2024. Net interest income increased by 22% to ₹8,500 crore, while total income rose by 25% to ₹10,617 crore. Profit after tax (PAT) on a standalone basis rose by 17% to ₹3,706 crore from ₹3,177 crore in the corresponding period of the previous year, highlighting the company’s continued operational efficiency and profitability. 

As of April 25, 2025, the 5Y CAGR of the company stands at 36.31% and 1Y returns at 26.90%.  

Bajaj Finance Share Price Performance 

Looking at the stock price performance, on April 25, 2025, Bajaj Finance share price (NSE: BAJFINANCE) opened at ₹9,310.50, touching the day’s high so far at ₹9,344.50 and day’s low at ₹8,990.00, as of 11:39 AM on the NSE. The market cap of the company stood at ₹5,62,517.22 crore, positioning it as one of the Nifty 50 stocks.  

The stock price hit its 52-week high recently on April 24, 2025, at ₹9,660.00. 

Key Financial Metrics 

When evaluating Bajaj Finance, key financial ratios are important for understanding its operational efficiency and profitability.  

• Return on Equity (ROE): 22.05% 

• Return on Capital Employed (ROCE): 5.65% 

• Price-to-Earnings (P/E) Ratio: 36.02 

• Price-to-Book (P/B) Ratio: 7.53 

• Dividend Yield: 0.39% 

• Debt to Equity Ratio: 3.82% 

Also Read: Bajaj Housing Finance PAT Surges 54% in Q4 FY25!

Conclusion 

Recently, the company announced that the Board of Directors of the company will convene on April 29, 2025, to consider a special (interim) dividend for the financial year 2024-25. Additionally, they will review proposals, subject to shareholder approval, for the sub-division of the existing equity shares with a face value of ₹2 each and the issuance of bonus shares.  

Now market watchers will closely monitor the company’s fundamentals, including its financial performance and the proposed corporate actions, such as the interim dividend, share split, and bonus issue. These developments, along with the company’s share price movement, will be key indicators for investors assessing the stock’s future potential. 

As with any investment decision, it is essential to perform thorough due diligence, considering both the company’s potential and the risks involved, to determine if it aligns 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. 

 

In a key strategic move aimed at expanding its retail footprint and enhancing brand offerings, Senco Gold Ltd has signed a Master Franchise Agreement with August Jewellery Private Limited (AJPL), the parent company of the omnichannel jewellery brand Melorra.  

This partnership is set to open new growth avenues for Senco in the fast-evolving branded jewellery market, particularly in the youth and Gen Z segment. 

Master Franchise Structure and Store Integration 

As per the agreement, Senco becomes the exclusive Master Franchisee of Melorra. All existing Company Owned & Company Operated (COCO) stores of Melorra will now be managed by Senco as a franchisee.  

Additionally, Melorra’s existing Franchisee Owned & Franchisee Operated (FOFO) and Franchisee Owned Company Operated (FOCO) outlets will now function as sub-franchisees under Senco. Furthermore, Senco gains the exclusive right to open new franchise stores, strengthening its position in the branded jewellery segment. 

Exclusive Melorra Product Offering and Tenure 

The stores under this arrangement will exclusively retail Melorra products, reinforcing brand focus and identity. The current tenure of the agreement extends until September 30, 2025, with Senco responsible for all commercial implications of existing franchise agreements. 

Strategic Rationale and Expected Gains 

This collaboration is expected to provide Senco access to over 20 Melorra stores, while helping it tap into younger demographics with high brand recall. Importantly, the move is likely to drive incremental sales of high-margin diamond jewellery, thereby strengthening Senco’s product mix and profitability. 

Senco Gold Share Price Performance 

On April 25, 2025, Senco share price opened at ₹389.50, up from its previous close of ₹384.95. At 1:19 PM, the share price of Senco was trading at ₹372.45, down by 3.25% on the NSE. 

About Senco Gold Ltd 

Senco Gold Limited was incorporated in 1994. It is a Pan-India jewellery retailer and, based on the number of stores, it is the largest organised jewellery retail player in the Eastern region of India. 

Also Read: How to Get VAT Refund When Buying Gold From Dubai Gold Souk? 

Conclusion 

This strategic alliance marks a forward-looking step for Senco Gold, enabling it to leverage Melorra’s brand equity and digital-first approach. With access to a broader customer base and retail network, Senco is well-positioned to accelerate growth and enhance value in the premium jewellery space. 

 

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.

Bharat Heavy Electricals Ltd (BHEL) has been in focus on Friday. On April 25, 2025, BHEL share price opened at ₹230.98, almost the same as its previous close of ₹230.50. At 9:59 AM, the share price of BHEL was trading at ₹222.70, down by 3.38% on the NSE. The stock price hit its day’s low so far at ₹222.35. Notably, the stock hit its 52-week low recently a month ago on March 3, 2025, at ₹176.00.  

BHEL Announces Senior Management Changes in Eastern Region 

On Friday, the company informed the stock exchanges that it has appointed Shri Uday Shankar as the new General Manager and Head of Power Sector – Eastern Region, Kolkata, effective 25th April 2025. A BE (Civil) graduate, Shri Shankar brings 35 years of experience to his new role, having joined the company in August 1990.  

This leadership change follows the superannuation of Shri Arumoy Mukherjee, who served as Executive Director (PS-ER), Kolkata, and retired on 24th April 2025. The transition marks a significant step in BHEL’s ongoing leadership development and operational continuity in the Eastern Region. 

FY25 Performance with Record Orders and Revenue Growth 

Earlier this week, the company announced provisional and unaudited revenue of ₹27,350 crore for FY 2024–25, reflecting a significant 19% growth over the previous year.  

The company achieved its highest-ever order inflow during the year, securing contracts worth ₹92,534 crore. As a result, BHEL’s total order book stood at ₹1,95,922 crore at the close of the fiscal year. 

In the power sector, BHEL reinforced its leadership position by bagging orders worth ₹81,349 crore. Meanwhile, its industrial segment recorded fresh orders of ₹11,185 crore, highlighting BHEL’s diverse presence in sectors such as defence, transportation, process industries, and industrial equipment. 

Also Read: BHEL Posted Record FY25 Order Inflow and 19% Revenue Growth! 

Conclusion 

The leadership transition at BHEL signals a continued focus on stability and experience-driven growth in the Eastern Region. Markets, however, remained cautious. 

 

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. 

 

Indian Energy Exchange Limited (IEX) announced its audited financial results for the financial year and fourth quarter ending March 31, 2025.  

Post the announcement, on April 25, 2025, IEX share price opened at ₹194.79, up from its previous close of ₹190.84. At 9:37 AM, the share price of IEX was trading at ₹199.39, up by 4.48% on the NSE. 

Performance in FY25 

IEX achieved its highest-ever traded electricity volume in FY25 at 121 billion units (BUs), marking an 18.7% year-on-year increase. This growth came on the back of higher demand and efficient market facilitation. Additionally, 178 lakh Renewable Energy Certificates (RECs) were traded, the highest ever in a financial year and a sharp 136.3% rise, indicating growing compliance and interest in green energy trading. 

On the financial front, consolidated revenue for FY25 rose 19.3% year-on-year to ₹657.4 crore, up from ₹550.8 crore in FY24. Consolidated profit after tax (PAT) saw a 22.3% jump to ₹429.2 crore, reflecting operational efficiency and higher trading activity. Standalone PAT stood at ₹414.6 crore, rising 21.4% from ₹341.4 crore in the previous fiscal year. 

The Board of Directors has recommended a final dividend of ₹1.50 per equity share having a face value of ₹1 each, fully paid-up, for the financial year ended March 31, 2025. This is subject to the approval of the shareholders. Further, in line with Regulation 42 of the Listing Regulations, the Board has fixed Friday, May 16, 2025, as the record date to ascertain the eligibility of shareholders for payment of the final dividend. 

Q4 FY25 Highlights  

The momentum continued in the final quarter of the year, with Q4 FY25 recording the highest-ever quarterly traded electricity volume of 31.7 BU, a growth of 18.1% year-on-year. REC trading also reached record levels in the quarter at 68 lakh certificates, up 108% year-on-year. 

Consolidated revenue in Q4 FY25 increased by 17.0% to ₹174.6 crore, while consolidated PAT rose 21.1% to ₹117.1 crore. Standalone PAT for the quarter also increased 17.8%, reaching ₹112 crore. 

Power Sector Update: Demand, Supply, and Stability 

India’s electricity consumption touched 1,694 BUs in FY25, showing a 4.4% rise. The Ministry of Power implemented several proactive measures to ensure uninterrupted supply, including extended operations of coal-based and gas-based plants and maximizing un-requisitioned power on exchanges. 

Coal production also supported the supply side, growing 5% to 1,048 million tonnes, with coal dispatch to the power sector up 5.9%. As of March-end 2025, coal inventories were at a 23-day high, the best since 2021. This surplus helped improve sell-side liquidity on the exchange and kept Day-Ahead Market (DAM) prices competitive at ₹4.47/unit, down 14.7% from ₹5.24/unit in FY24. 

Gas and Carbon Markets: Expanding Horizons 

The Indian Gas Exchange (IGX), a subsidiary of IEX, traded a record 60 million MMBtu in FY25, registering a 47% growth. PAT for IGX increased 34.3% to ₹31 crore. In Q4 FY25 alone, IGX saw 132% growth in volumes and over 100% growth in PAT. 

Meanwhile, International Carbon Exchange (ICX), another subsidiary, emerged as India’s first accredited I-REC issuer. ICX issued 59.27 lakh I-RECs and posted a revenue of ₹3.41 crore in FY25, a 964% jump from FY24’s ₹32 lakh. 

Also Read: Ather Energy IPO to Open on Monday, April 28: A Closer Look at Key Financials!

Conclusion 

FY25 was a landmark year for Indian Energy Exchange, characterised by record electricity and REC volumes, financial growth, and major developments in the gas and carbon trading segments.  

 

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. 

Cyient Limited reported its Q4 FY25 results, highlighting a slight decline in its core Digital, Engineering, and Technology (DET) segment.  

Post the announcement, on April 25, 2025, Cyient share price opened at ₹1,176.00, down from its previous close of ₹1,242.80. At 9:31 AM, the share price of Cyient was trading at ₹1,169.40, down by 5.91% on the NSE. 

Q4 FY25 Performance

Revenue for the quarter stood at ₹1,472 crore, reflecting a 0.5% decline sequentially and a 1.2% drop on a year-on-year basis. In constant currency terms, revenue dipped 1.9% QoQ and 3.4% YoY. EBIT for the quarter was ₹191 crore, translating into a margin of 13%. Profit after tax (PAT) stood at ₹163 crore, marking a YoY decline of 6%. 

Full-Year FY25 Overview

For the full financial year, Cyient DET recorded revenue of ₹5,816 crore, down 1.6% from FY24. In constant currency, revenue saw a 3% YoY decline. The company reported EBIT of ₹787 crore with a margin of 13.5%. PAT for the year was ₹605 crore, showing a 12.2% drop compared to the previous year. 

Dividend Announcement

The Board of Directors declared a final dividend of ₹14 per share, bringing the total dividend for FY25 to ₹26 per share. 

Management Commentary 

Commenting on the results, the Executive Vice Chairman and Managing Director of Cyient, Krishna Bodanapu, said, “I am also happy to share that we have launched our semiconductor subsidiary and as we shared with you on April 8, 2025 appointed Suman Narayan as the CEO of Cyient Semiconductors. Suman is a globally recognized professional in the semiconductor Industry.” 

He also stated, “Given our balanced portfolio, we see many opportunities that we can capitalize on for the DET business. Our top customers have demonstrated strong growth this fiscal year despite the headwinds in demand. While there are some uncertainties in the near term, we are working very closely with our customers in navigating through the current challenges. We expect this to last at least through the first half of FY26. I am confident that with our market positioning, global presence, and the new leadership in place, we will emerge stronger to drive sustainable growth in the medium – long term.” 

Also Read: Cyient DLM  Q4 FY25 Revenue Grows 18.3% YoY! 

Conclusion 

While Cyient faced modest headwinds in its DET segment, the company maintained margins and continued its commitment to shareholder value through dividend payouts. 

 

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. 

HCL Technologies Limited’s Board of Directors has declared and approved an interim dividend of ₹18 per equity share of ₹2 each for the financial year 2025-2026.  

On April 24, 2025, HCL Technologies share price (NSE: HCLTECH) opened at ₹1,595.00 and closed at ₹1,590.30, down by 0.23%. The stock price touched its day’s low at ₹1,576.10.  

HCL Technologies Interim Dividend Record Date 

The Board of Directors has announced an interim dividend of ₹18 per equity share (face value ₹2 each) for the financial year 2025–26.   

The record date for determining eligible shareholders is April 28, 2025, and the dividend will be paid on May 6, 2025. 

HCL Technologies FY 2025 Financial Highlights 

For FY 2025, the company reported revenue of ₹1,17,055 crore, marking a 6.5% year-on-year growth. In constant currency terms, revenue rose by 4.7%, while revenue in USD stood at $13,840 million, reflecting a 4.3% increase.  

The company’s operating profit (EBIT) came in at ₹21,420 crore, accounting for 18.3% of the revenue and registering a growth of 7.0% YoY. Net income for the year reached ₹17,390 crore, up 10.8% from the previous year, representing 14.9% of the total revenue. 

Also Read: HCLTech Q4 Results: Net Income Rises 8.1% YoY! 

About HCL Technologies Ltd 

HCL Technologies is a global IT services provider and ranks among the top five Indian IT companies by revenue. Since making its global debut with an IPO in 1999, the company has specialized in transformational outsourcing. It offers a comprehensive suite of services, including software-driven IT solutions, remote infrastructure management, engineering and R&D services, and business process outsourcing (BPO). With a presence in 46 countries, HCL Tech utilizes its robust offshore infrastructure and global network to deliver multi-service solutions across key industry sectors. 

Conclusion  

The company’s last dividend declaration was an interim dividend and a special dividend of ₹12 and ₹6 per share, respectively, with a record date of January 17, 2025.  

 

 

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.