Discover 5 fundamentally Indian shares for wealth creation-Reliance, TCS, HDFC Bank, Infosys, HDFC Ltd—with current prices, fundamentals, chart outlook and practical strategies for long‑term gains.
📈 1. Reliance Industries Ltd (RIL)
- Latest price: ₹1,396 (approx) as of July 29, 2025
- Fundamentals: Market cap ~ ₹18.9 lakh Cr, P/E ~ 25.3×, ROE ~ 8.5 %, ROCE ~ 9.4 %, Dividend yield ~ 0.4 % Net profits and EBITDA rising consistently, Piotroski score ~4 .
- Chart/technical signals: Moderate volatility (beta ~1.2), no clear overbought or oversold signals .
- Catalysts: Goldman Sachs added RIL to its APAC conviction list citing recovery in refining margins, retail comeback, telecom tariff hikes . Macquarie target ₹1,580 even after recent dip (~–7.5 % Y‑o‑Y) .
- Strategy: If holding long-term, consider staggered buys around dips (₹1,350–1,380), with a 1–2 year investment horizon, watching refining/retail improvements.
2. Tata Consultancy Services Ltd (TCS)
- Price: Around ₹3,067 as of July 29, 2025
- Fundamentals: Market cap ~₹11.1 lakh Cr, P/E ~22.6×, ROE ~50.9 %, ROCE ~62 %, Dividend yield ~4 % . High valuations (P/B ~11.8×), modest sales growth ~10 % over past 5 years .
- Technical: Stock is down ~33 % from its peak, ~25 % in 2025 despite strong Q1 results. Technical indicators show RSI below 30, suggesting potential oversold zone .
- Outlook: Q1FY26 net profit rose ~6 % to ₹12,760 Cr, revenue growth modest (1.3 %, CC –3.1 %) due to macro pressures . Elara downgraded growth outlook for FY26; sentiment cautious .
- Strategy: For long-term investors, current correction may offer an entry point. Use RSI oversold zones for staggered buys, holding 18–24 months, given strong margins and dividend yield cushion.
3. HDFC Bank Ltd
- Price: ~₹2,005 as of July 29, 2025
- Fundamentals: Market cap ~₹15.37 lakh Cr, P/E ~21.8×, P/B ~2.95×, ROE ~13.7 %, ROCE ~6.4 %, Dividend yield ~1.1 % . Profit growth CAGR ~21 % over 5 years, median dividend payout ~23 % .
- Intrinsic/Valuation: Intrinsic value estimates range from ₹1,755 to ₹2,436. Smart‑Investing says it’s trading at ~–18 % discount; Alpha‑Spread says overvalued ~13 % .
- Sentiment: Strong Q1FY26 results (12 % profit growth), bonus issue, special dividend, loan‐book growth outlook positive. Shares jumped ~3 % post‑results .
- Strategy: A core banking holding: consider accumulating around ₹1,950–2,000 zones, holding 2–3 years, especially if bank achieves LDR target ~85–90 % by FY27.
4. Infosys Ltd (INFY)
- Price: ~₹1,504 on July 29, 2025
- Fundamentals: Market cap ~₹6.25 lakh Cr, P/E ~23.1×, P/B ~7.2×, ROE ~27.8 %, ROCE ~35.9 %, Dividend yield ~2.8 % . Debt‑free business, 3‑year ROE ~30.7 % . Consistent margins ~15–20 %, Piotroski score ~4, net profit rising past 5 quarters .
- Recent news: Q1FY26 net profit up ~9 %, revenue up ~8 % to ₹69.21 billion (~₹42,279 Cr), and raised lower bound of guidance to 1–3 % revenue growth .
- Technical: Current technical summary shows strong‑sell signals across RSI, MACD, moving averages—reflecting short‑term weakness .
- Strategy: If you’re a medium‑term buyer, wait for trend recovery confirmation: RSI crossing ~40–45, moving averages turning supportive. Alternatively, use value averaging via SIP in small tranches (~₹1,480–1,550).
5. Housing Development Finance Corporation Ltd (HDFC Ltd)
- About: India’s largest housing finance player; recently merged with HDFC Bank. Long record since 1977 .
- Fundamentals: Though standalone valuation data isn’t live here, company historically offers strong loan growth, consistent margins and cross‑sell benefits post‑merger with HDFC Bank.
- Strategy: Best accessed via purchasing parent merged bank or its former holding company stakes. Treat as secondary basket stock aligned with housing/retail growth; build over 3–5 years.
Disclaimer: This article is for informational and educational purposes only. It is not financial advice. Always consult a certified financial advisor before making investment decisions.
