Best Stocks For Beginners With Little Money 2025

Have you ever wanted to invest in the stock market but felt like you didn’t have enough money to get started? You are not alone! Many people still believe that investing in stocks is only for the wealthy and upper-class people, but that’s way too far from the truth. With just a small amount in your hand, you can begin your financial journey today!

In this article, we’ll explore some of the best stocks for beginners in India that are affordable, stable, and have strong growth potential. So let’s dive in!

Top 10 Best Stocks for Beginners with Little Money

Here is a curated list of the best stocks for beginners with little money in India. These stocks are priced under Rs. 100, have a market capitalization of over Rs. 3,000 crore, and offer a Return on Equity (ROE) of at least 15%.

(Note: The values mentioned above are recorded as of 10th March 2025.) 

Overview of 10 Best Stocks For Beginners with Little Money

Now we have the list of top stocks for beginners, let’s discuss these companies' overviews to understand their business models, strengths, and weaknesses:

1) Easy Trip Planners Ltd 

Easy Trip Planners is the fastest growing, 2nd largest, and most profitable company in the online travel portal in India under the flagship brand ‘Easy My Trip’. It provides a wide range of travel-related goods and services, like holiday packages, rail, bus, and airline ticket booking, along with travel insurance services. 

With committed efforts from the government of India, the tourism sector is set to boom in the future, Easy Trip Planners can grow over the years with greater potential. This was the only company that has been a profitable Online Travel Agency (OTA) since its inception, even in the COVID-19 year.

Easy Trip Planner’s current market capitalization is Rs 4,299 Cr. In FY24, the revenue and profits were recorded as Rs 482 Cr and Rs. 119 Cr, respectively, and have seen consistent profit growth since FY18. In the last 5 financial years, the sales grew at a CAGR of 37% and the profits at a CAGR of 49%. Furthermore, the company showcases exceptional shareholder returns and efficiency depicted by its ROE of 31.9% and ROCE of 43.4% as of FY24. 

2) Bank of Maharashtra

Bank of Maharashtra is involved in providing banking services. Treasury, Corporate/Wholesale Banking, Retail Banking, and other banking operations are among the bank’s business divisions. As of December 2024, the Government of India holds a 79.6% stake in the corporation, making it the largest shareholder.

The bank has accomplished a significant financial turnaround over the past three years. As of the third quarter of FY25, the gross advances were reported at Rs.2,28,642 crore, while deposits stood at Rs.2,79,007 crore. Additionally, the bank boasts the highest CASA (Current Account Savings Account) ratio in the industry at 49.28% and has the lowest Net Non-Performing Asset (NNPA) ratio at 0.20% as of December 31, 2024.

Bank of Maharashtra’s current market capitalization is Rs 37,150 Cr. Since FY19, revenue has consistently risen, reaching Rs 20,495 Cr in FY24, while net profit has been growing since FY20 and stood at Rs 4,072 Cr in FY24.

Over the past five years, sales have grown at a CAGR of 14%, while profits have expanded at a CAGR of 23%. The bank reported an ROE of 22.8% as of FY24 showcasing an excellent return to shareholders' capital.

3) Motherson Sumi Wiring India Ltd

Motherson Sumi Wiring India is a joint venture between Motherson Group and Sumitomo Wiring System in the harness industry market. It manufactures wiring harnesses, harness components, and other electric wires. In FY24, passenger vehicles led revenue at 58%, followed by two-wheelers (14%), commercial vehicles (12%), off-road, agriculture, and farm equipment (10%), and other segments (6%). The company is setting up three greenfields for new programs for Maruti Suzuki, Mahindra, and Tata Motors. 

Motherson Sumi Wiring current market capitalization is Rs 22,946 Cr as of 10th March 2025. Since FY21, the revenue has consistently risen from Rs 3,938 Cr to Rs 8,328 Cr in FY24, while net profit grew from Rs 396 Cr to Rs 638 in the same time frame. The company has seen an ROE of 42.4% as well as an ROCE of 48% in FY24 indicating exceptional returns and efficiency. 

4) Magellanic Cloud Ltd 

Magellanic Cloud Ltd is an IT software sector company that is present in Asia, the USA, and Europe. The company aims to provide IT services in software development, consulting, and human resource business solutions. They provide human capital, consulting, and DevOps. 

MCloud secured a Rs 42 crore, 5-year contract to implement AI-driven e-surveillance across 2,000 ATMs for a leading public sector bank, highlighting the company's expertise in AI-driven security solutions and remote surveillance technology. The company is expanding into the promising drone industry, aiding clients in inspection across shipping, civil, agriculture, infrastructure, and oil & gas sectors, while exploring further acquisitions.

Magellanic Cloud Ltd’s current market capitalization is Rs 3,071 Cr. The company’s revenue has risen since FY20, reaching Rs 560 Cr in FY24, while net profit has grown since FY21 reaching Rs 103 Cr in FY24. The company saw a good ROE of 29.2% as well as a ROCE of 27% in FY24. In the past 5 years, the sales grew by 22% and the profits increased by 67%.

5) Suzlon Energy Ltd

Suzlon Energy is one of the top suppliers of renewable energy solutions worldwide. They develop designs and manufacture major components of wind turbines along with wind project planning and execution services in India as well as other countries. 

As of Q3FY25, the company has an order book of the company of 5,521 MW, which represents the potential revenue that the company can generate in the future. Furthermore, the company has its major clients, namely, Adani Renewables, Aditya Birla Group, Bajaj, Reliance, Tata, and so many others that are noteworthy in the renewable energy sector. 

The current market cap of Suzlon Energy is Rs 73,715 Cr. Revenue has been steadily increasing despite a minor decline in FY23. However, profitability experienced a decline in FY23 but began to rebound in the subsequent financial years. Additionally, FY24 reported an exceptional Return on Equity (ROE) and Return on Capital Employed (ROCE) of 28.8% and 24.9%, respectively.

6) Lloyds Engineering Works Ltd 

Lloyds Steels Industries is mainly concerned with designing, manufacturing, and commissioning machinery, heavy equipment, and systems for the HydroCarbon Sector, Oil and Gas, Steel Plants, Power Plants, Nuclear Plant Boilers, and Turnkey Projects. 

The company’s diversified clients are Bharat Petroleum, Hindustan Petroleum, Aditya Birla, Jindal Steel and Power, Reliance Industries, GAIL, Port of Chennai, and many more. As of 31st Dec 2024, the company’s order book position was at Rs 1,278.13 Cr. 

Furthermore, the company is acquiring the engineering assets of Bhilai Engineering Corporation Limited and a 77% stake in Techno Industries Pvt Ltd. This acquisition will enhance production capabilities and contribute to business growth.

Lloyds Engineering Works Ltd’s current market capitalization is Rs 6,864 Cr. Despite facing a challenging phase during COVID-19, the company achieved revenue of Rs 624 crore and a net profit of Rs 80 crore in FY24. Remarkably, the company’s ROE was 26.2% and the ROCE was 28.3% in the financial year 2024. 

7) JTL Industries Ltd 

JTL Industries is a leading building material solutions company that manufactures and supplies steel tubes, pipes, and allied products with manufacturing facilities in India. The current capacity of the company is 6,86,000 MTPA and has planned to expand this by 20,00,000 in the future. It also has an industry-leading EBITDA per ton, and they are debt-free. 

The company supplies its products to more than 20 other countries, and its major clients are Tata Power, the Har Ghar Jal initiative by the Indian government, Ashok Leyland, Suzlon, and many other prominent players in the market.

JTL Industries’ current market capitalization is Rs 3,011 Cr. The company has witnessed tremendous growth in revenue from Rs 230 Cr in FY20 to Rs 2,039 Cr in FY24, while net profit has risen from Rs 10 Cr to Rs 113 Cr in the same period. This gives the company a 5-year CAGR growth of 45% in sales and 50% in profits. Furthermore, during FY24, the company reported an ROE of 18.8% as well as an ROCE of 23.4% indicating its efficient operations.

8) NBCC Ltd

The Ministry of Housing and Urban Affairs is the host to NBCC (India) Limited, a government of India Navratna Enterprise. This company is divided into three main business segments, i.e., real estate, engineering procurement and construction, and project management consulting. 

It anticipates revenue growth of 20% to 25% and order book growth of 25% to 35% during the next two to three years. As of Q3FY24, the consolidated order book exceeded Rs 1 lakh crore (main business), with Rs 81,958 Cr from NBCC (standalone). Ongoing projects are valued at Rs 28,617 crore (stand-alone) and Rs 32,620 crore (consolidated), while NBCC has secured Rs 39,000 crore in business for FY25.

NBCC Ltd’s current market capitalization is Rs 21,465 Cr. The company has witnessed a steady rise in revenue increasing from Rs 6,953 in FY21 to Rs 10,433 Cr in FY24, while net profit grew from Rs 100 Cr in FY20 to Rs 414 Cr in FY24. The company has an ROE of 24.8% as well as an ROCE of 32% as of FY24 which showcases efficient returns on its capital utilised. 

9) Grauer And Weil (India) Ltd: 

Grauer & Weil (India) Ltd was incorporated in 1957, which manufactures and sells Surface Finishings along with Engineering and Mall business. They offer electroplating, distinct surface finishings, top coats, specialty chemicals, engineering, high-performance coatings, industrial lubricants, and effluent treatment users. 

The company boasts a prominent global network, extending its reach across seven regions and operating in over 50 countries, including Europe, Southeast Asia, North America, South America, the Middle East, and Africa. As the company has a diverse product range, it has three manufacturing units dedicated to chemicals, two for paint, and one for equipment, which sums up to 6 manufacturing units as a whole. 

Grauer & Weil’s current market capitalization is Rs 4,220. The company's revenue and net profit have been consistently increasing, reaching Rs 1,068 crore and Rs 146 crore, respectively, as of FY24. This results in a five-year CAGR of 12% for sales and 16% for profits. During FY24, the company's return on equity (ROE) stood at 19.6%, while the return on capital employed (ROCE) was 26.1%. These figures indicate the efficient utilization of the company's capital. 

 10) Jammu and Kashmir Bank Ltd

Incorporated in Jammu and Kashmir in India, the J & K Bank is a publicly traded financial institution that offers a variety of banking services, such as corporate banking, retail banking, and treasury operations. The credit and debit card, internet banking, and UPI users are consistently increasing in the J&K bank. 

The bank has a total of 874 branches in Jammu and Kashmir and Ladakh (JKL), with an additional 138 branches located outside of JKL. It also has a strong presence across 22 states and Union Territories, supported by 1,423 ATMs that serve customers in various regions. As of Q3 FY25, the net advances amounted to Rs 95,990 Cr, while deposits reached Rs 1,40,947 Cr.

Jammu and Kashmir Bank Ltd’s current market capitalization is Rs 10,361 Cr. Since FY21, revenue has risen from Rs 8,111 Cr to Rs 11,213 Cr in FY24, while net profit grew from Rs 428 Cr to Rs 1,771 Cr in the same period. In the past 5 years, the sales grew by 8% p.a and the profits increased by 31% p.a. In FY24, the company had a ROE of 16% which indicates an efficient return to the capital invested by the shareholders. 

Benefits of Investing in These Stocks for Beginners

Investing in some of the best stocks for beginners can be a smart way to enter the stock market with limited capital while gaining exposure to high-growth opportunities. Here’s how these stocks can benefit you:

• Affordability: Low-priced stocks make it easier for beginners to start investing with minimal funds. They provide an opportunity to enter the stock market without requiring a large initial capital, helping new investors begin their financial journey smoothly.

• Growth potential: Many low-priced stocks usually belong to small or mid-cap companies, which hold significant room for growth. Early investors can enjoy great returns if they invest in fundamentally strong companies before they grow huge. 

• Diversification: Since these stocks are affordable, you can spread your investments across multiple industries instead of putting all your money into a single expensive stock. This reduces risk and allows you to benefit from different sectors.

• Multibagger returns: Some of the low-priced stocks have the potential to turn into ‘Multibagger Stocks.’ If an investor identifies undervalued stocks which has great growth potential in the future, they can enjoy potential returns in the long run. 

Factors to Consider Before Investing in Stocks for Beginners

As we explore the best stocks for beginners, it's essential to evaluate certain key factors about a company before making any investment decision.

1) Financials of the company

The financials of the company will help you understand its profitability, stability, and future growth potential. Key factors like revenue, net profit, debt levels, ROE, ROCE, CAGR, and so many more will help you get insights into the financial health, risk factors, and future performance of the company. This analysis will help investors make informed decisions by avoiding financially weak companies and identifying opportunities for long-term gains. 

2) Market Capitalisation

Market Capitalisation, also shortly known as ‘Market Cap’, is the aggregate value of a company’s outstanding shares of stock. When we examine large-cap companies, we find that they tend to have lower risk and can achieve steady growth over time. In contrast, small-cap companies are characterized by high volatility but also offer the potential for higher returns.

3) Liquidity

As an investor, you need to consider the liquidity factor before investing in order to know how easily that particular stock can be converted into cash. Blue-chip stocks or government bonds will usually have high liquidity that can be sold without major price fluctuations. 

But sometimes, if the promoters of the company hold a majority of the company’s stocks, then the free float is limited. This creates a difficult situation for investors to find buyers when they want to sell their stocks. 

4) Industry

Considering the industry of the stock in which you are investing becomes crucial as it influences the company’s growth potential, risk profile, future opportunities, and overall returns. Industries like renewable energy and technology grow at a faster pace when compared to other industries like traditional retail and utilities. 

The risk levels in defensive and cyclical industries are different. A defensive industry like healthcare is always stable and never goes south, even during economic downturns. On the other hand, cyclical industries like real estate will be affected on a large scale by the condition of the economy. So, investing in various industries will reduce the overall portfolio risk comparatively, and balancing investments in defensive and cyclical industries provides stability at the same time. 

How to Invest in Stocks as a Beginner with Little Money

Now that we have discussed the best stocks for beginners with little money, here are the steps you need to follow to start investing in the stock market

Step 1- Know the Basics: 

Understand the fundamentals of the stock market and how it works. 

Step 2- Open Trading Account: 

Download the Rupeezy Trading App from the app store (for mobile phones) or Click on this link to open a demat account through the official Rupeezy website. 

Step 3- Fill in Personal Details: 

Enter your personal information, like name, address, PAN number, and contact details. 

Step 4- Upload Documents: 

You then upload necessary documents like Aadhar card, PAN card, and bank statements for KYC verification. 

Step 5- eSign the Form: 

After uploading the necessary documents, complete the process by electronically signing the application form. 

Step 6- Verification: 

Rupeezy’s onboarding team will verify your details, and upon successful verification, your trading account will be activated. You will now receive an email that includes your login credentials (like your client code).

Step 7- Set your Password: 

After receiving the client code, open the Rupeezy App and set your password to secure your data and activities. 

Step 8- Start Trading: 

Once your demat account is active, you can start trading or investing through the Rupeezy platform. 

Step 9- Purchase Order: 

Ensure that all details are correct before executing the purchase order through your trading account. Your demat account will be credited with all the stocks you have bought. 

Step 10- Watch out: 

Monitor your investments regularly to ensure that they are performing well. 

Conclusion 

Investing in low-priced stocks can be an excellent strategy for beginners and budget-conscious investors. These stocks provide the chance to create a diverse portfolio with small amounts and strong growth potential. Even while they appear to be riskier than reputable large-cap stocks, they can yield substantial long-term rewards if chosen carefully based on their fundamentals, industry potential, and financial stability. 

It is important to keep in mind that not all inexpensive stocks make good investments. Some are inexpensive because of bad management or weak financials, whereas others are underappreciated jewels with a promise for the future. Investors can reduce risks and make wiser judgments by carrying out in-depth research, examining financial accounts, and keeping up with market developments. 

Remember to start small, stay consistent, and watch your investments grow with Rupeezy!