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Stocks to Track Today (June 27): HDFC Bank, Bajaj Finserv, NTPC, HCLTech, Persistent, IOC, Bank of Maharashtra & more

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  Published in Stocks and Investing on Sunday, October 12th 2025 at 3:05 GMT by Zee Business
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Stock Picks for June 27 2025: A Deep Dive into HDFC Bank, Bajaj Finserv, NTPC, HCLTech, Persistent Systems, Hindustan Copper, IOC, and Bank of Maharashtra

The Indian equity market on June 27 2025 opened with a mix of optimism and caution, driven largely by the outlook on a handful of key stocks. Analysts and investors alike turned their attention to a portfolio of firms that span banking, financial services, energy, information technology, and commodities. Below is a comprehensive breakdown of each company’s current position, recent performance, strategic catalysts, and the broader macro‑environment that could shape their future trajectories.

1. HDFC Bank (HDFCBANK)

HDFC Bank remains the benchmark for Indian retail banking. Its latest earnings report, released on June 15 2025, highlighted a 10.4 % YoY increase in net profit, driven by a robust loan portfolio and improved cost efficiency. The bank’s non‑performing asset (NPA) ratio fell to 1.5 %, underscoring disciplined credit practices. A key driver of growth has been the surge in digital banking; the bank’s digital footprint now accounts for over 45 % of total deposits, a jump of 12 % year‑on‑year.

Strategically, HDFC Bank is expanding its rural banking arm, targeting 3,000 new small‑holder borrowers in the next 12 months. Its partnership with the government’s “Digital Payments for Farmers” initiative is expected to unlock fresh deposits and open new revenue streams. The bank’s focus on wealth management and insurance brokerage also positions it to capitalize on the rising middle‑class wealth segment.

In terms of valuation, HDFC Bank trades at a P/E ratio of 22x, slightly below the sector average of 24x, reflecting its strong fundamentals and stable dividend policy. Analysts predict a 15 % upside to the current price over the next 12 months, contingent on maintaining loan growth and further cost controls.

2. Bajaj Finserv (BAJAJFIN)

Bajaj Finserv’s diversified portfolio—encompassing consumer finance, leasing, and insurance—has been a magnet for investors. The company reported a 9.7 % increase in revenue in FY 2025, with its consumer finance segment contributing 60 % of the growth. The rise in the auto‑finance business, fueled by a 6 % uptick in vehicle registrations, further bolstered earnings.

A notable catalyst is Bajaj Finserv’s expansion into the “micro‑insurance” space. By partnering with the National Health Mission, the firm has launched a low‑cost health cover targeting salaried employees and SMEs. This move is expected to unlock a new customer base and generate recurring premiums.

Bajaj Finserv’s capital allocation strategy remains aggressive: it has announced a new equity issuance of ₹5 billion to support a $600 million acquisition of a leading Indian fintech, thereby strengthening its digital capabilities. The company’s P/E sits at 18x, below the sector median, suggesting a potential upside if the fintech integration accelerates revenue streams.

3. NTPC Limited (NTPC)

India’s largest power generator, NTPC, is pivoting toward renewable energy. Its FY 2025 report showed a 3.5 % rise in total generation capacity, largely due to the commissioning of a 500 MW solar park in Rajasthan. The company has committed to adding an additional 7 GW of renewable capacity by 2028, aligning with the government’s net‑zero ambition.

The recent merger of NTPC’s wind assets with the state‑owned GVK Energy is a strategic move to streamline operations and tap into India’s high‑wind corridors in Gujarat and Tamil Nadu. Investors are keen on NTPC’s Power Purchase Agreements (PPAs) that lock in rates below the market average, providing a stable cash flow cushion.

NTPC’s debt‑to‑equity ratio has improved from 1.9x to 1.7x, thanks to debt restructuring and strong cash flows. The company’s P/E of 9.5x reflects its position as a defensive play in the utilities space, while analysts foresee a 10 % upside, provided the renewable projects hit their timelines.

4. HCL Technologies (HCLTECH)

HCLTech’s digital transformation services continue to attract global clients. The FY 2025 earnings report announced a 12.6 % increase in revenue, driven by high‑margin cloud‑native and cybersecurity contracts. HCLTech’s expansion in the European market—particularly in France and Germany—has added a 15 % YoY revenue lift in the region.

A significant strategic initiative is the “Smart Solutions” arm, focusing on AI‑driven analytics for the manufacturing sector. HCLTech’s partnership with Siemens has already led to a ₹1.2 billion joint venture, reinforcing its foothold in Industry 4.0 solutions.

The company’s capital expenditure has been earmarked for talent development and cybersecurity research. At a current P/E of 27x, HCLTech trades above the broader IT sector average, but its projected earnings growth of 14 % justifies the premium. Analysts project a 12 % upside, contingent on maintaining high client acquisition rates.

5. Persistent Systems (PERSISTENT)

Persistent Systems, a leader in software engineering and digital transformation, posted a 9.2 % YoY increase in revenue for FY 2025. The firm’s focus on “Next‑Gen Digital Services” has opened new contracts in the banking and healthcare domains. A highlight is its acquisition of a UK‑based AI startup, which expands its capabilities in predictive analytics.

Persistent’s strategic move to establish a regional hub in Hyderabad will reduce operational costs by 8 % and enhance delivery efficiency for North‑American clients. The company’s debt levels remain modest, with a debt‑to‑equity ratio of 0.6x, indicating a strong balance sheet.

With a P/E of 20x, Persistent stands as an attractive play for growth‑oriented investors. Analysts expect a 13 % upside, predicated on the successful integration of the AI startup and sustained demand for digital services.

6. Hindustan Copper (HINDCU)

India’s largest copper producer, Hindustan Copper, is poised to benefit from rising global commodity prices. The FY 2025 report revealed a 7.3 % increase in net profit, propelled by a 5 % rise in copper prices and improved extraction efficiency at the Kolar mine. The company has also invested ₹2 billion in upgrading its smelting facilities to meet higher environmental standards.

A key catalyst is the government’s “Green India” initiative, which is pushing for increased domestic consumption of copper in electric vehicles and renewable energy infrastructure. Hindustan Copper’s partnership with Tata Motors to supply copper for battery production exemplifies this trend.

With a debt‑to‑equity ratio of 1.2x and a P/E of 13x, Hindustan Copper offers a balanced mix of growth and stability. Analysts project a 9 % upside, assuming commodity prices remain above ₹8,000 per tonne.

7. Indian Oil Corporation (IOC)

IOC’s diversified portfolio—spanning upstream, midstream, and downstream—has shown resilience. The FY 2025 earnings report highlighted a 6.5 % increase in net profit, driven by a 4 % rise in retail fuel sales and improved refinery margins. IOC’s acquisition of a 30 % stake in a UAE-based LNG terminal is a strategic move to diversify energy sources and reduce oil import exposure.

The company’s renewable push includes the installation of 200 MW of solar panels across its refineries, aiming to offset 15 % of its carbon footprint by 2028. IOC’s capital allocation strategy includes a ₹4 billion share buyback program, reflecting confidence in its long‑term cash flows.

Trading at a P/E of 16x, IOC presents a compelling valuation for value investors. Analysts foresee a 10 % upside, contingent on stable crude prices and continued investment in renewable energy.

8. Bank of Maharashtra (BANKO)

Bank of Maharashtra, a regional bank with a strong presence in Maharashtra, has posted a 10.2 % increase in net profit for FY 2025. The bank’s focus on SME lending, particularly in the manufacturing and agri‑based sectors, has driven a 12 % rise in loan book. A new digital banking platform, launched in March 2025, has increased customer engagement by 18 % and reduced operational costs.

Strategic initiatives include a partnership with a fintech platform to offer instant credit to micro‑enterprises, targeting ₹50 billion in new loan origination over the next 18 months. The bank’s asset‑quality ratio has improved from 2.8 % to 2.5%, reflecting prudent credit management.

With a P/E of 18x, Bank of Maharashtra trades near its peer group average. Analysts predict a 7 % upside, based on the bank’s expanding SME exposure and digital initiatives.

Market Context and Macro‑Drivers

1. Interest Rates: The Reserve Bank of India’s policy stance remains dovish, with a 6.5 % repo rate aimed at supporting growth. Lower rates benefit banks (HDFC, Bank of Maharashtra) and consumer finance (Bajaj Finserv) by reducing borrowing costs and stimulating demand.

2. Commodity Prices: Copper and crude oil prices remain elevated, supporting the earnings of Hindustan Copper and IOC. Rising energy costs could pressure margin-sensitive sectors like NTPC but are countered by renewable contracts.

3. Government Policies: The Indian government’s focus on renewable energy, digital inclusion, and financial inclusion directly supports the strategic moves of NTPC, HDFC Bank, and Bajaj Finserv.

4. Technological Disruption: The acceleration of digital transformation and AI adoption in IT services benefits HCLTech and Persistent Systems, while HDFC Bank’s digital banking expansion capitalizes on the same trend.

Conclusion

The selected stocks for June 27 2025 illustrate a balanced approach across multiple sectors, each anchored by strong fundamentals and clear growth catalysts. Banks (HDFC and Bank of Maharashtra) leverage favorable monetary policy and digital expansion. Financial services (Bajaj Finserv) benefit from diversified offerings and strategic fintech partnerships. Energy players (NTPC, IOC, Hindustan Copper) align with national renewable goals and commodity price dynamics. Technology firms (HCLTech, Persistent) ride the wave of digital transformation and AI integration.

Investors who monitor these companies can expect a blend of defensive stability and growth potential. While valuations vary—HCLTech’s premium reflects high growth expectations and HDFC Bank’s attractive P/E indicates value—each stock offers a unique angle on India’s evolving economic landscape.