Long-term Stocks in India for 2027 for Multibagger Returns
Updated: 29 Sept 2026 • 5:55 pm
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Investing in long-term stocks is one of the most reliable ways to build wealth and achieve growth and stability over time. Long-term stocks in India suit holding periods of 5 to 10 years, which lets investors benefit from compounding and ride out market cycles. These stocks mostly belong to companies with strong business fundamentals, consistent earnings, manageable debt and a clear vision for the future.
A long horizon lets you look past short-term market swings. By focusing on fundamentally strong companies with durable business models, investors can aim for steady growth and long-term value creation.
Long-term stocks are ideal for investors who believe in patience and discipline, and who understand that wealth is built by staying invested in the right businesses, not by timing the market. This article covers the best long-term stocks in India for 2027, along with their benefits and risks, so you can invest in long-term stocks in India with clarity.
What are Long Term Stocks?
Long-term stocks are equity investments held for more than 12 months, which qualifies the gains for long-term capital gains (LTCG) tax. They serve both capital protection and return generation. Many investors pick a time horizon of five years or more to benefit from compounding, steady growth, and companies with strong fundamentals, consistent earnings and sustainable business models.
Best Long Term Stocks in India with Market Capitalisation
Here is the list of the best long-term stocks in India: Reliance Industries, HDFC Bank, Bharti Airtel, ICICI Bank, State Bank of India, and more.
| Name of the Stock | CMP (in ₹) | Market Cap (in ₹ crore) | 52-Week High | 52-Week Low |
| Reliance Industries | 1,182.00 | 16,21,874 | 1,611.80 | 1,181.80 |
| HDFC Bank | 722.70 | 11,08,366 | 1,020.50 | 681.90 |
| Bharti Airtel | 1,771.20 | 11,05,889 | 2,174.50 | 1,740.50 |
| ICICI Bank | 1,292.20 | 9,34,134 | 1,480.00 | 1,187.60 |
| State Bank of India | 964.70 | 8,87,907 | 1,234.70 | 856.00 |
| Bajaj Finance | 973.80 | 6,13,257 | 1,176.40 | 787.90 |
| Larsen & Toubro | 3,749.10 | 5,18,712 | 4,440.00 | 3,288.10 |
| Life Insurance Corporation | 390.00 | 5,07,265 | 468.48 | 360.75 |
| Maruti Suzuki | 11,877.00 | 3,78,531 | 17,370.00 | 11,831.00 |
| Mahindra & Mahindra | 2,947.80 | 3,72,362 | 3,839.90 | 2,896.00 |
Long-Term Stocks | Company Overview
1. Reliance Industries
Founded: 1958
Headquarters: Mumbai, Maharashtra
Market Capitalisation: ₹16,21,874 crore
Reliance Industries Limited is an Indian conglomerate headquartered in Mumbai, with businesses in energy, petrochemicals, retail, digital services, telecommunications and media. It is India's largest listed company by market capitalisation. In FY26, revenue rose about 10.5% to ₹10.86 lakh crore, EBITDA reached ₹2.08 lakh crore and net profit climbed to ₹95,610 crore, on total assets of ₹21.78 lakh crore. The share price touched a fresh 52-week low of ₹1,181.80 on 29 September 2026 and is down 12.32% in six months, even as earnings keep growing. Its P/E of 18.40 sits above the industry P/E of 15.90. Long-term investors weighing Reliance as one of the best long-term stocks in India for 2027 should watch how that gap between price and earnings closes.
2. HDFC Bank
Founded: 1994
Headquarters: Mumbai, Maharashtra
Market Capitalisation: ₹11,08,366 crore
HDFC Bank Limited is India's largest private sector bank by assets and market capitalisation, a position it strengthened after merging with its parent HDFC Limited in 2023. In FY26, total revenue was ₹4.95 lakh crore, net profit rose 7.87% to ₹79,219 crore and total assets reached ₹49.08 lakh crore. At ₹722.70, the stock trades about 29% below its 52-week high of ₹1,020.50. Its P/E of 13.43 is only modestly above the industry P/E of 12.09, and its ROE is 13.14%. With a dividend yield of 2.15%, it offers the highest payout in this list, which makes it a steady pick among long-term stocks in India for 2027.
3. Bharti Airtel Limited
Founded: 1995
Headquarters: New Delhi, India
Market Capitalisation: ₹11,05,889 crore
Bharti Airtel Limited is an Indian multinational telecommunications company offering 5G, 4G and broadband services across India. It is the second-largest mobile network operator in the country. In FY26, revenue grew 22.5% to ₹2.14 lakh crore, EBITDA was ₹1.19 lakh crore, net profit was ₹33,823 crore and total assets stood at ₹5.52 lakh crore. Net profit for the June 2026 quarter rose about 35% year on year to ₹10,012 crore. Airtel is known for pioneering an outsourcing-led "minutes factory" model built on low costs and high volumes. Its P/E of 30.37 is below the industry P/E of 35.35. Investors can consider Bharti Airtel among the best long-term stocks for 2027 in India, though its debt-to-equity ratio of 1.31 deserves attention.
4. ICICI Bank
Founded: 1955
Headquarters: Mumbai, Maharashtra
Market Capitalisation: ₹9,34,134 crore
ICICI Bank Limited is an Indian bank and financial services company serving corporate and retail customers through branches, digital channels and subsidiaries in life insurance, general insurance and asset management. In FY26, revenue was ₹3.12 lakh crore, profit before tax was ₹77,057 crore, net profit was ₹57,673 crore (up 5.98%) and total assets were ₹29.14 lakh crore. Its ROE of 15.00% is among the strongest in the banking group. It also carries the highest P/B ratio among the large banks here, at 2.50, and a P/E of 15.63 against an industry P/E of 12.09. The stock is one of four in this list that are up over six months, gaining 4.73%.
5. State Bank of India
Founded: 1955
Headquarters: Mumbai, Maharashtra
Market Capitalisation: ₹8,87,907 crore
State Bank of India (SBI) is India's largest public sector bank and a statutory body, headquartered in Mumbai. With total assets of ₹83.22 lakh crore, it is also the largest bank in the country by balance sheet size. In FY26, revenue was ₹7.13 lakh crore, profit before tax was ₹1.14 lakh crore and net profit rose 7.78% to ₹85,168 crore. SBI trades at the lowest P/E in the banking group at 9.90 and a P/B of 1.51, the lowest in this list, while paying a 1.80% dividend yield. The stock is about 22% below its 52-week high of ₹1,234.70.
6. Bajaj Finance
Founded: 1987
Headquarters: Pune, India
Market Capitalisation: ₹6,13,257 crore
Bajaj Finance Limited (BFL) is a deposit-taking Indian non-banking financial company headquartered in Pune. As of 30 June 2026, its consolidated assets under management grew about 24% year on year to ₹5,46,944 crore, and its customer franchise reached 124.43 million. In FY26, revenue was ₹81,990 crore, profit before tax was ₹25,817 crore and net profit rose 15.21% to ₹19,332 crore. Profit for the June 2026 quarter grew about 28% to ₹6,081 crore. The stock has gained 15.41% in six months, the best in this list. Its P/E of 29.70 is well above the industry P/E of 18.47, so the growth is already priced in to a degree.
7. Life Insurance Corporation
Founded: 1956
Headquarters: Mumbai, Maharashtra
Market Capitalisation: ₹5,07,265 crore
Life Insurance Corporation of India (LIC) is India's largest insurance company and its largest institutional investor. Its assets under management reached ₹59.39 lakh crore as of 30 June 2026, up 4.1% year on year, and it held a 60.10% share of first-year premium income in the June 2026 quarter. In FY26, revenue was ₹9.90 lakh crore and net profit rose 18.90% to ₹57,453 crore. LIC posts the highest ROE in this list at 32.53% and trades at the lowest P/E at 8.45, against an industry P/E of 10.75. Its solvency ratio improved to 2.42 in the June 2026 quarter. Its market share, however, has slipped from 63.51% a year ago, which investors should keep in view.
8. Larsen & Toubro
Founded: 1946
Headquarters: Mumbai, Maharashtra
Market Capitalisation: ₹5,43,815 crores
Larsen & Toubro Limited is an Indian multinational conglomerate with interests in industrial technology, heavy industry, engineering, construction, manufacturing, power, information technology, defence, and many more. As of 31st March 2022, the company had 45,615 permanent employees, out of which 2,997 were women and 48 employees and disabilities. At the same period, the company had 200,062 workers on a contract basis. L&T Mutual Fund is a company of the L&T Group. Its average assets under management (AUM) as of May 2019 is ₹73,936.68 crores. Investors can consider L&T as one of the best long-term investments in India, offering higher growth and stability.
9. Maruti Suzuki
Founded: 1981
Headquarters: New Delhi, India
Market Capitalisation: ₹3,78,531 crore
Maruti Suzuki India Limited is a publicly listed Indian subsidiary of Japan's Suzuki Motor Corporation and the largest passenger car manufacturer in India. It was set up by the Government of India as Maruti Udyog Limited in 1981 in a joint venture with Suzuki. In FY26, revenue rose to ₹1.88 lakh crore, EBITDA was ₹26,099 crore and net profit edged up 1.24% to ₹14,680 crore, on total assets of ₹1.49 lakh crore. The company carries no debt. Margins are the watch point: the quarterly operating margin fell from 17.23% in the June 2025 quarter to 12.15% in the June 2026 quarter. The stock hit a fresh 52-week low of ₹11,831 on 29 September 2026 and trades about 32% below its high.
10. Mahindra & Mahindra
Founded: 1945
Headquarters: Worli, Mumbai
Market Capitalisation: ₹3,72,362 crore
Mahindra & Mahindra is an Indian automobile manufacturer headquartered in Mumbai. It was established in 1945 as Mahindra & Mohammed and later renamed. Part of the Mahindra Group, M&M is one of the largest SUV makers in India, and Mahindra Tractors is the world's largest tractor brand by volume. FY26 was a strong year: revenue rose about 25% to ₹2.02 lakh crore, net profit jumped 32.32% to ₹18,622 crore and total assets reached ₹3.18 lakh crore. Its ROE of 18.37% is the second highest in this list, and its P/E of 18.40 is a clear discount to the industry P/E of 25.31. The stock is trading close to its 52-week low of ₹2,896.00.
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Reasons for Investing in Long-Term Stocks in India
Long-term stocks in India are essential for investors seeking sustainable growth and steady income over the long term. These stocks represent shares in well-established companies with strong fundamentals, competitive advantages, and a proven track record of performance across various economic cycles.
- Tax Benefits: In India, long-term stocks are generally taxed at a lower rate compared to short-term stocks, which are typically taxed at different rates but not at the higher rates applicable to holding long-term stocks.
- More Cost-Effective: One of the main benefits of a long-term stock in India is that it is more cost-effective than buying and selling regular stocks, as the longer you hold your investments, the less it costs to pay.
- Dividend Income: Companies that prioritise stocks with long-term growth may provide the criteria for regular income payments, which is why investors choose the best long-term stocks in India. This is because consistent dividends can offer a high valuation for investing.
- Diversification: The scope of diversification is very high for investing in the best long-term stocks in India, as they provide diversification across various stocks involved in the long term. This approach also offers the benefit of identifying profitable stocks by investing in long-term stocks in India.
- Volatility: Indian stock markets are highly volatile in nature, influenced by both domestic and global factors. As a long-term investor, it’s crucial to embrace market volatility and not view the price swings that occur as a natural consequence of economic changes.
Best Long-Term Stocks with 6-Month Return
| Stock Name | 6 Months Return (in %) |
| Reliance Industries | -12.32 |
| HDFC Bank | -4.43 |
| Bharti Airtel | -3.94 |
| ICICI Bank | 4.73 |
| State Bank of India | -5.38 |
| Bajaj Finance | 15.41 |
| Larsen & Toubro | 5.19 |
| Life Insurance Corporation | 1.87 |
| Maruti Suzuki | -4.13 |
| Mahindra & Mahindra | -3.07 |
Factors to Consider Before Investing in Long-term Stocks in India
There are certain factors that investors should consider before investing in long-term stocks in India. Here we discuss the factors affecting long-term stocks below:
- Financial Strength: Investors should consider revenue growth, profit margins, and manageable debt levels when evaluating long-term stocks for 2027. These factors may persist over the long term, making them a viable option for long-term investments.
- Leadership Quality: Leadership quality plays a crucial role in decision-making, as ethical, transparent, and visionary management teams can offer companies the ability to succeed through changing times, thereby increasing their chances of being recognised as high-return stocks.
- Industry Prospects: Investing in banking, IT, and consumer goods tends to reflect the strong long-term potential and frequently includes some of the best stocks for sustained holdings to invest in long-term stocks in India.
- Personal Goals: Sometimes selecting the best long-term stocks in India has high potential for the future, making the expectations realistic, and also choosing the top long-term stocks may provide profitability in the long run.
- Dividend Goals: Many companies reward shareholders with dividends, providing a stable income stream along with price appreciation. This is the most influential factor in long-term growth and potential, as investors can create opportunities for achieving high-growth potential in the near future. Therefore, investors should consider their dividend goals before investing in long-term stocks in India.
Best Long-Term Stocks with P/E Ratio
| Stock Name | P/E Ratio |
| Reliance Industries | 18.40 |
| HDFC Bank | 13.43 |
| Bharti Airtel | 30.37 |
| ICICI Bank | 15.63 |
| State Bank of India | 9.90 |
| Bajaj Finance | 29.70 |
| Larsen & Toubro | 26.43 |
| Life Insurance Corporation | 8.45 |
| Maruti Suzuki | 26.41 |
| Mahindra & Mahindra | 18.40 |
Benefits of Investing in Long-term Stocks
Here are the numerous benefits of investing in long-term stocks in India for 2027, which is why it is essential to evaluate the positives before making an investment.
- Lower Costs: Here are a few transactions that may help reduce costs, such as brokerage and fees, allowing more capital to stay invested for compounding. Several factors can lead to a reduction in expenses.
- Diversification: The scope for diversification is very high when investing in the best fundamental stocks in India, as they offer diversification over the long term. This approach also provides the benefit of identifying profitable stocks by investing in long-term stocks in India.
- Better Returns: Investing in long-term stocks can lead to higher returns because their global performance may deliver strong returns in the near future. In comparison, short-term trading also offers higher opportunities and yields higher returns.
- Concession in Tax Schemes: Investing in long-term stocks can provide significant tax advantages, and in many countries, it is more convenient to invest in long-term stocks in India. There are numerous tax exemptions that enable investors to make long-term investments with high returns.
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Best Long-Term Stocks with P/B Ratio
| Stocks Name | P/B Ratio |
| Reliance Industries | 1.79 |
| HDFC Bank | 1.84 |
| Bharti Airtel | 6.28 |
| ICICI Bank | 2.50 |
| State Bank of India | 1.51 |
| Bajaj Finance | 5.38 |
| Life Insurance Corporation | 2.86 |
| Larsen & Toubro | 4.75 |
| Maruti Suzuki | 3.53 |
| Mahindra & Mahindra | 4.00 |
Risks for Investing in Long-Term Stocks
Several risks are associated with investing in long-term stocks in India, including market risks, business risks, market volatility, regulatory changes, investment risk, and inflation risk.
- Market risks: Market risks, also known as volatility risk, refer to the possibility that the value of an investment could be negatively impacted by speculative behaviour, and they are a primary concern before investing in long-term stocks in India.
- Business risks: Investors must consider various business risks before investing in the best long-term stocks in India. Something could negatively impact the long-term stock market, effectively limiting investors' long-term growth.
- Regulatory Changes: Changes in government policies may impact long-term stocks, as they can play a crucial role in providing long-term growth and stability. Therefore, investors should consider regulatory changes before investing in long-term stocks.
- High Debt Levels: Many metal companies carry substantial debts due to heavy capital expenditures, making it challenging when it's time to repay the debt. It’s necessary to evaluate the company's debt levels before investing in the best long-term stocks in India.
- Price Volatility: The prices of long-term stocks are highly volatile and can change suddenly due to fluctuations in global demand, supply, and commodity cycles. These fluctuations can impact the company’s profits and share prices, as well as reduce the liquidity of long-term stocks in India.
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Best Long-Term Stocks with Dividend Yields
| Stocks Name | Dividend Yield |
| Reliance Industries | 0.50 |
| HDFC Bank | 2.15 |
| Bharti Airtel | 1.32 |
| ICICI Bank | 0.92 |
| State Bank of India | 1.80 |
| Bajaj Finance | 0.61 |
| Life Insurance Corporation | 1.25 |
| Larsen & Toubro | 1.01 |
| Maruti Suzuki | 1.16 |
| Mahindra & Mahindra | 1.07 |
Conclusion
Long-term investing in India offers strong wealth-creation and portfolio-growth opportunities. The market has a wide mix of businesses, from established banks and insurers to telecom, infrastructure and auto leaders. Platforms like Univest can simplify the process with research tools and insights. Still, all investments carry risk, and diversification across sectors and asset classes remains essential.
The ten stocks above show why selection matters. Six are lower over the past six months, and two touched 52-week lows on 29 September 2026, yet most reported higher profits in FY26. Long-term stocks serve both capital protection and return generation, and they suit investors across risk profiles. Companies that focus on long-term growth often pay regular dividends, which is one reason investors choose the best long-term stocks in India for 2027.
FAQs
What are the long-term stocks in India?
Ans. Long-term stocks are equity investments held for more than 12 months, which qualifies the gains for long-term capital gains tax. They serve both capital protection and return generation, and they suit investors across risk profiles.
Which are the best long-term stocks in India for 2027?
Ans. Reliance Industries, HDFC Bank, Bharti Airtel, ICICI Bank, State Bank of India, Bajaj Finance, Larsen & Toubro, Life Insurance Corporation, Maruti Suzuki and Mahindra & Mahindra are widely considered among the best long-term stocks in India for 2027. Each combines a large market capitalisation with a long earnings record, but valuations and risks differ, so review each stock before investing.
How do investors choose long-term stocks?
Ans. Investors should select stocks based on the company's fundamentals, including financial health, competitive position, management quality and growth potential. Look for consistent performance over time, reasonable valuation ratios such as P/E and P/B, and industry trends that support long-term growth.
What are the risks involved in long-term stocks?
Ans. Long-term stocks carry market risk, business risk, regulatory risk and debt risk, and their prices can change suddenly with global demand, currency moves and commodity cycles. Diversifying across sectors helps reduce the impact of any single stock or industry.
What are the tax implications of long-term stock investments?
Ans. In India, gains on listed shares held for more than 12 months are taxed at 12.5% on gains above ₹1.25 lakh in a financial year, while gains on shares sold within 12 months are taxed at a flat 20%. Dividends are taxed as per your income tax slab. Consult a tax professional for advice specific to you.
What are the benefits of investing in long-term stocks?
Ans. Long-term investing lowers transaction costs because you trade less, letting more capital stay invested for compounding. It also offers lower tax rates on gains, potential dividend income and better returns over full market cycles compared with frequent trading.
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