Stocks to Buy Under ₹100: Experts Recommend Six Shares to Buy Today — 19 May 2025

Introduction: The Affordable Investing Opportunity in 2025

As the Indian stock market continues its journey through phases of consolidation and cautious optimism, retail investors are actively scouting for high-potential, low-cost stocks to add to their portfolios. Whether you're a first-time investor or a seasoned trader looking for multibagger potential, shares under ₹100 offer a sweet entry point — especially in a volatile market where value and patience pay rich dividends.

On 19 May 2025, market analysts and technical experts have identified six promising stocks trading under ₹100, each backed by favorable risk-reward ratios, technical breakouts, or sectoral tailwinds. These picks span across sectors like infra, finance, energy, and telecom, offering a diversified approach to budget-friendly investing.

Let’s dive into the list and decode the logic behind each recommendation.

1. NHPC Ltd (CMP: ₹93.80) — The Silent Power Performer

Sector: Power & Utilities
Market Cap: ₹93,000 Cr
52-Week Range: ₹45.20 – ₹97.60

Why Buy?

NHPC, India’s largest hydropower development company, has quietly emerged as a reliable performer amidst the renewable energy buzz. With the government’s increasing focus on clean energy and strategic hydropower expansion, NHPC is in the sweet spot.

• Strong Order Book and long-term revenue visibility

• Attractive dividend yield of over 3.5%

• Recent breakout above ₹90 confirms bullish momentum

Analyst Target: ₹110 in 6–9 months

2. Indian Overseas Bank (CMP: ₹54.10) — PSU Bank on the Rise

Sector: Banking – PSU
Market Cap: ₹100,800 Cr
52-Week Range: ₹17.30 – ₹57.80

Why Buy?

IOB has been in the limelight ever since PSU bank re-rating took shape. With asset quality improving and provisioning coverage at multi-year highs, IOB is shedding its legacy issues and rebranding itself for retail and digital banking.

• Net profit up 36% YoY in Q4 FY25

• Net NPA reduced to 1.48%

• Under ₹60, still trading at a P/B of 0.9x

Analyst Target: ₹68 in 3–6 months

3. Ircon International Ltd (CMP: ₹98.20) — Infra Stock with Mega Momentum

Sector: Infrastructure / Railways
Market Cap: ₹9,500 Cr
52-Week Range: ₹48.70 – ₹105.30

Why Buy?

Ircon, a Mini Ratna PSU, has benefitted from the railway capex push and robust execution in metro and tunneling projects. The stock is forming a bullish flag pattern on charts, supported by above-average delivery volumes.

• Order book over ₹30,000 Cr

• Net margin above 8%, which is strong for infra

• Regular bonus and dividend history

Analyst Target: ₹115 in 6 months

4. Brightcom Group (CMP: ₹22.45) — Risky but Rewarding Digital Play

Sector: Digital Advertising / Tech
Market Cap: ₹4,500 Cr
52-Week Range: ₹10.30 – ₹34.20

Why Buy?

Brightcom has been controversial due to corporate governance concerns, but experts believe the stock is showing signs of revival after cleaning up books and re-aligning board structure. Its digital ad-tech platforms have scalable international potential.

• Turnaround net profit posted in FY25 Q4

• Heavy promoter buying seen in recent quarters

• Undervalued compared to peers like Affle

Caveat: High risk. Ideal for aggressive investors only.

Analyst Target: ₹30 in 3 months

5. RailTel Corporation (CMP: ₹96.35) — The Smart Bharat Backbone

Sector: Telecom / Digital Infrastructure
Market Cap: ₹3,800 Cr
52-Week Range: ₹65.50 – ₹109.90

Why Buy?

RailTel, the digital arm of Indian Railways, is expanding beyond connectivity to AI-driven railway monitoring and station modernization. Backed by strong government contracts and a debt-free balance sheet, RailTel is seen as a strategic digital infra play.

• Debt-free with 30%+ ROE

• ₹350 crore worth of new contracts signed in April

• Q4 profits rose 23% YoY

Analyst Target: ₹115 in 6–9 months

6. Ujjivan Small Finance Bank (CMP: ₹58.75) — Microfinance, Macro Potential

Sector: Banking – Small Finance
Market Cap: ₹11,400 Cr
52-Week Range: ₹24.80 – ₹62.10

Why Buy?

Ujjivan SFB is becoming a consistent performer in the micro-lending space. With a strong rural presence and high interest margins, the bank’s tech-driven scale is beginning to show real returns.

• Net profit up 40% YoY

• GNPA at 1.34%, among best in small banks

• Aggressive branch expansion + mobile banking reach

Analyst Target: ₹72 in 3–6 months

Common Traits in All These Picks

Despite being priced below ₹100, these stocks are not just “cheap” — they are backed by:

• Strong fundamentals or turnaround stories

• Government or institutional backing

• Technically strong chart patterns

• Sectoral tailwinds (infra, banking, energy, digital)

This makes them attractive not just to day traders, but also to long-term retail investors.

Investment Strategy: How Should You Approach These Stocks?

While all six stocks have potential, it’s important to diversify and not go “all in” on one counter. Here’s a suggested allocation strategy:

Total Suggested Investment: ₹10,000 – ₹20,000

Expert Commentary

“In today’s market, identifying growth at a reasonable price is the biggest challenge. Stocks under ₹100 often hide diamonds in the rough — but only if they’re backed by sound business models and clean governance,”
says Amit Jain, Senior Equity Advisor at Motilal Oswal.

“Don’t mistake low price for low value. PSU and infra plays like IRCON and NHPC are classic examples of low-cost multibaggers with government tailwinds,”
adds Shweta Mehra, Fund Manager at Axis MF.

Risks to Watch

No investment is risk-free — especially when dealing with low-priced stocks. Here are some risks to consider:

• Corporate Governance: Especially with names like Brightcom

• Market Sentiment: Stocks under ₹100 can be volatile

• Global Cues: FII outflows and crude price movement can affect all sectors

• Regulatory Changes: Especially in PSU and banking spaces

Patience Pays

Stocks under ₹100 are often ignored or underestimated — but with due diligence and sectoral insight, they can deliver returns that outpace blue chips. The key is to stay informed, diversify wisely, and monitor quarterly performance.

For today — 19 May 2025 — these six stocks represent a balanced mix of momentum, value, and growth potential. Whether you’re investing ₹5,000 or ₹50,000, these are the ideas worth exploring.

Stay invested, stay informed.