Top 5 Stocks to buy before RBI’s rate cut in India 2025, I am talking here about RBI’s rate cut in 2025, after whose announcement the stock market is in great enthusiasm,
the top 5 stocks to buy before RBI’s rate cut in India 2025 are on every investor’s radar! The hints of RBI’s repo rate cut (less than 6.5%) have brought the stocks to buy before the RBI rate cut into the spotlight.
This cut will come in Q2 FY26 (June–August 2025), and stocks like HDFC Bank (Q1 FY26 NII up 10%), DLF (PAT up 15%), and Maruti Suzuki (sales up 12%) will rise. Budget 2025’s ₹2 lakh crore MSME credit push and ₹1.5 lakh crore infra boost have given further impetus to the market.
- Effective Date of Latest Rate Cut: 6th June, 2025
- Current Repo Rate: 5.50% (reduced by 25 basis points from 5.75%)
- Reverse Repo Rate: Remains unchanged at 3.35%
- From 6.50% in January 2025 to 5.50% in June 2025
Number of Rate Cuts in 2025: Three
-First cut: Early 2025
-Second cut: April 2025
-Third cut: June 6, 2025
Reason for Rate Cut:
-Falling inflation, which was 3.16% in April 2025
-Inflation remains well within RBI’s target range (2%–6%)
-Announced by: RBI’s Monetary Policy Committee (MPC)
Why Stocks Are Booming Before RBI’s Rate Cut in India 2025
The enthusiasm of 2025 is visible in the stock market, friends! Top stocks to buy before RBI’s rate cut in India in 2025 are now on everyone’s lips because the hints of RBI’s repo rate cut (below 6.5%) have shaken the market. This cut will come in Q2 FY26 (June-August 2025), and stocks to buy before the RBI rate cut will become rockets! HDFC Bank’s Q1 FY26 NII of ₹ 25,000 crore (10% up), DLF’s PAT of ₹ 1,500 crore (15% up), and Maruti Suzuki’s 5.5 lakh unit sales (12% up) show that these sectors are in full form.
The Budget 2025 stocks in India, along with the ₹ 2 lakh crore MSME credit push and ₹ 1.5 lakh crore infra boost, have given wings to banking, real estate, and auto stocks, and the India-Pakistan ceasefire (12 Aug 2024) has increased investor confidence. Loans will be cheaper with lower rates, and profits of companies will increase. This momentum in top stocks is perfect for India in 2025! So that’s why stocks are booming before RBI’s rate cut in India in 2025.
Top 5 Stocks to Buy Before RBI’s Rate Cut
Top 5 stocks to buy before the RBI’s rate cut; these stocks can make you huge profits. I have chosen them after a lot of research, and they are fundamentally strong: Best Stocks India 2025.
1- HDFC BANK
Top 5 Stocks to Buy Before RBI’s Rate Cut in India 2025: HDFC Bank has emerged as a solid choice in 2025, and its Q1 FY26 performance shows that the Net Interest Income (NII) was ₹25,000 crore, which is 10% up from last year. The CASA ratio is 38%, meaning the bank has a strong presence in low-cost deposits. The stock price is currently around ₹1,935, with a PE ratio of 18 and a market cap of ₹14 lakh crore (NSE, 30 May 2025). These numbers indicate that the bank is strong and stable. With the stable trend of Sensex (~81,168), this stock also seems safe.
HDFC is the best stock to buy before RBI’s rate cut; RBI’s expected repo rate cut (below 6.5%) will come in Q2 FY26, which will boost loan growth like a rocket. Budget 2025’s ₹2 lakh crore MSME credit push will give a further boost to retail lending. ICICI Securities has given a target of ₹2,000, meaning an 18% upside is possible. Risks include a global slowdown and an increase in NPAs, but HDFC’s track record is solid. This stock is an awesome pick for long-term investors! Tell us in the comments, will you invest in HDFC?
2- DLF
Top 5 Stocks to Buy Before RBI’s Rate Cut in India 2025. I have included DLF in second place. Let’s see what the company does. DLF is India’s top real estate developer, which builds luxury homes, office spaces, and shopping malls. It has large projects in Gurugram, Delhi-NCR, and Bengaluru, such as DLF Cyber City and DLF Avenue. The company also earns solid revenue from rental income (₹4,000 crore FY25). As per Budget 2025 stocks India, DLF’s 10 million sq. ft. pipeline will grow by 2030.
Now let’s see why to invest in it. DLF is a dhamakedar option among the top 5 stocks to buy before RBI’s rate cut in India 2025 because its PAT was ₹1,500 crore in Q1 FY26, which is up by 15%, and 5 million sq. ft. of property has been sold. The stock price is approximately ₹854, the market cap is ₹2.1 lakh crore, and the PE ratio is 46 (NSE, 22 june 2025). The stable trend of the Sensex (~81,168) and the India-Pakistan ceasefire (12 Aug 2024) have instilled confidence in the market. DLF’s focus is on premium housing and commercial projects, which makes it perfect for stocks to buy before the RBI rate cut. So, what is your opinion about the stock? Do share it in the comments.
The RBI’s rate cut (less than 6.5%, Q2 FY26) will make home loans cheaper, and housing demand will increase. The Budget 2025’s ₹1.5 lakh crore infra push will give a boost to DLF’s commercial projects. Morgan Stanley has given a target of ₹1,000 for this stock, i.e., 18% upside. There are high valuations and slow execution risks. “track DLF on Zerodha. DLF is a solid pick in Top stocks India 2025! Tell us in the comments, will you invest in DLF?
3- MARUTI SUZUKI
Auto Sector ka Champion As we all know, top 5 stocks to buy before RBI’s rate cut in India, Maruti Suzuki is India’s No. 1 passenger car maker. With a 40% market share, it makes models like Swift, Brezza, and Ertiga. Additionally, it also focuses on CNG and hybrid cars. Stocks to buy before the RBI rate cut: It has a strong order book (70,000+ Brezza), and its EV plans are perfect.
Maruti Suzuki is an excellent pick among the top 5 stocks to buy before RBI’s rate cut in India in 2025 because it sold 5.5 lakh units (12% up) in Q1 FY26, with a stock price of ~₹12,500, a PE ratio of 28, and a market cap of ₹3.9 lakh crore (NSE, 30 May 2025). Budget 2025’s ₹1.5 lakh crore infra push and EV focus will make Maruti’s upcoming EV launch a success. A 131-day bullish Cup and Handle pattern (breakout above ₹13,130) shows a ₹13,800 target, i.e., a 10% upside. Sensex (~81,168) stability makes it safe.
The RBI rate cut (5.5% post-June 2025) will make car loans cheaper, boosting sales. Budget 2025 stocks in India, along with Maruti’s 7% YoY growth and a ₹14,000 target (InCred, ₹14,261), make it attractive. Risk: weak Q2 FY25 earnings (6.4% EPS downgrade). Top stocks in India in 2025, Maruti is a solid bet! Tell me in the comments, will you invest in Maruti?
4- SBI
top 5 stocks to buy before RBI’s rate cut in India SBI: Lion of Banking! SBI is India’s largest PSU bank, providing retail, corporate, and MSME loans. It has digital banking (YONO app) and is also strong in the credit card segment with over 1 million RuPay cards, which I also have. Its low PE and high loan growth make it perfect for stocks to buy before the RBI rate cut.
State Bank of India (SBI) is a trusted name among the top 5 stocks to buy before RBI’s rate cut in India 2025. PAT in Q1 FY26 is ₹17,000 crore (12% up), and NPA is 2.2% (improved). The stock price is approximately ₹769, the PE ratio is 9.16, and the market cap is ₹7.1 lakh crore (NSE, 22 june 2025). Budget 2025’s ₹2 lakh crore MSME credit push will give a boost to SBI’s loan book.
The RBI rate cut (5.5% post-June 2025) will increase loan demand, especially in MSMEs. As per SBI’s target of ₹950 (19% upside), its strong CASA ratio makes it a safe bet. The risks include competition among PSU banks and a global slowdown. Top stocks India 2025: SBI is a must-have! Tell me in the comments if you like SBI
5- BAJAJ FINANCE
Bajaj Finance: The Badshah of NBFC! Bajaj Finance is India’s top NBFC that provides personal loans, home loans, and consumer finance and is also a leader in new customer acquisition through digital platforms like the Bajaj Finserv app. Its 25%+ growth is ideal for stocks to buy before the RBI rate cut.
Bajaj Finance is a shining star among the top stocks to buy before RBI’s rate cut in India in 2025 as it had an AUM of ₹3.5 lakh crore (20% up) in Q1 FY26, a stock price of ₹ 905, a PE ratio of 33, and a market cap of ₹5.62 lakh crore (NSE, 22 june 2025). The MSME and consumption push of Budget 2025 will further increase its loan growth. YTD 29% return and triangle breakout (Jan 2025) show a ₹9,000 target (Nomura, 16% upside).
The RBI rate cut (5.5% post-June 2025) will reduce borrowing costs, boosting retail loans. Budget 2025 stocks in India, Bajaj’s solid asset quality, and 23% YTD gain (outperforming Nifty’s -3%) make it a top pick. Risks include high valuations and a Q2 FY25 EPS downgrade (5%). Top stocks in India 2025, Bajaj is a high-growth bet! Tell me in the comments, do you like Bajaj Finance?
How to Invest Before the RBI’s Rate Cuts
Now, what are you thinking about how to invest before the RBI rate cut in India in 2025? This is now on everyone’s mind. I have also told you about those 5 stocks in which you can invest. The RBI’s repo rate cut will come in Q2 FY26, and the top 5 stocks to buy before the RBI’s rate cut in India in 2025, like HDFC Bank, DLF, Maruti Suzuki, SBI, and Bajaj Finance, will succeed. If you want to start, then let’s see the plan!
First, open a demat account on Zerodha or Groww; this can be done in just a few minutes. Then, check the financials of the companies on Screener.in, like the NII of a bank or the PAT of a real estate company. Watch technical charts on TradingView – understand support, resistance, and RSI. Keep updated on Budget 2025 stocks in India from Economic Times or news apps, like MSME credit or infrastructure boost.
Keep your portfolio balanced – along with banking and auto sectors. Add renewable energy stocks to the top stocks in India for 2025: [renewable energy link]. Set a stop-loss for risk and keep an eye on global news. Start trading on Zerodha Now.
How did you like the investing plan? Tell us in the comments.
Disclaimer: “This blog post on top 5 stocks to buy before RBI’s Rate cut in india 2025 is for informational purposes only and not financial advice. Investments involve risks, and past performance is not a guarantee of future results. Consult a SEBI-registered advisor before investing”.
CONCLUSION
Top 5 stocks to buy before the RBI’s rate cut in India in 2025, like HDFC Bank, DLF, Maruti Suzuki, SBI, and Bajaj Finance, will make your portfolio shine! The RBI rate cut will come in Q2 FY26, and the Budget 2025 stocks, along with India’s MSME and infra push, have given a boost to the market. These stocks showed solid performance in Q1 FY26, and the stability of the Sensex gives confidence. So what are you thinking? When will you start your investment journey? Start now on Zerodha.
Read my “Renewable Energy Stocks” post: [link]. So which stock will you pick? Tell me in the comments.
FAQs
Q1.Why does the RBI rate cut matter for stocks?
A. The top 5 stocks to buy before RBI’s rate cut in India 2025 are trending because lower rates reduce borrowing costs, boosting profits for stocks to buy before RBI rate cut like banks and auto firms.
Q2. Which stock is the best pick for the rate cut?
A. HDFC Bank and DLF stand out among top stocks India 2025, as banking and real estate directly benefit from cheaper loans post-rate cut.
Q3. How does Budget 2025 impact these stocks?
A. Budget 2025 stocks India gain from MSME credit and infrastructure boosts, driving growth for stocks like SBI and Maruti Suzuki.
Q4. How do I start investing in these stocks?
A. Open a demat account on Zerodha, research financials on Screener.in, and invest in top stocks India 2025.
Q5. When will the rate cut benefits show in stocks?
A. Stocks to buy before RBI rate cut may see growth from Q2 FY26, but holding long-term maximizes returns.
Q6. What are the risks of investing in these stocks?
A. Global slowdown or delayed rate cuts could impact top stocks India 2025. Diversification helps manage risks.
Q7. Why is Bajaj Finance a good choice?
A. As a leading NBFC, Bajaj Finance thrives on rate cuts, increasing loan demand, making it a strong top 5 stocks to buy before RBI’s rate cut in India 2025 pick.