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Multibagger Stock: ₹1 Lakh Grows to ₹64 Lakh in 4 Years

RR Team, January 10, 2026January 10, 2026
In an extraordinary example of long-term wealth creation, shares of Network People Services Technologies (NPST) have transformed a modest investment of ₹1 lakh into approximately ₹64 lakh within just four years. The small-cap stock has emerged as one of the most remarkable multibaggers in India’s equity markets, rewarding patient investors despite periods of sharp volatility.

The company, which operates in the digital banking and payments technology space, has delivered exponential returns since early 2022, reflecting both strong business momentum and growing demand for fintech solutions across India.

A Remarkable Price Journey

Network People Services Technologies began its remarkable rally in January 2022, when its shares were trading near ₹23 apiece. Over the next two and a half years, the stock witnessed a largely uninterrupted upward trajectory, peaking at a record high of ₹3,577 in August 2024.

This rally translated into a staggering gain of more than 16,000 percent at its peak, placing NPST among the biggest wealth creators in the Indian stock market during this period. Even after a correction, the stock currently trades near ₹1,400, still reflecting exceptional long-term appreciation.

Consistent Calendar-Year Performance

The company’s performance across calendar years highlights the strength of its uptrend. NPST shares closed higher in three of the last four calendar years, delivering multibagger returns in each of those years.

The standout performance came in 2023, when the stock surged by over 1,000 percent. This was followed by gains of around 226 percent in 2024 and 201 percent in 2022. The only setback occurred in 2025, when the stock declined by about 47 percent, marking its steepest annual fall since listing.

Impact on Investor Wealth

The long-term rally has had a dramatic impact on investor wealth. A ₹1 lakh investment made four years ago and held through market ups and downs would now be worth nearly ₹64.5 lakh, underscoring the power of compounding and patience in equity investing.

This growth has also significantly boosted the company’s market capitalisation, which now stands close to ₹2,900 crore, elevating NPST’s profile within the small-cap segment.

Strong Retail Investor Participation

Retail investors have been among the biggest beneficiaries of NPST’s rise. As per available stock exchange data, individual investors collectively hold nearly 30 percent of the company’s equity.

Notably, around 26 lakh small investors with investments of up to ₹2 lakh together own over 12 percent of the company. This reflects strong grassroots participation and confidence in the company’s long-term growth story.

Business Model and Fintech Focus

Network People Services Technologies operates as a digital banking and payments technology provider, offering solutions that support India’s rapidly expanding cashless ecosystem. The company’s services align closely with the government’s push towards digital payments and financial inclusion.

India’s digital payments infrastructure, supported by platforms such as UPI, has seen exponential growth in recent years.

Strategic Partnership Boosts Outlook

Recently, NPST announced a strategic partnership with Infinity Infoway Ltd to enable identity-linked digital payments through an embedded, ERP-integrated platform. The collaboration aims to integrate prepaid payment capabilities directly into enterprise operations.

Under the partnership, employee IDs, student IDs, and other identity credentials can function as prepaid payment instruments. This allows organisations to control where, how, and by whom payments are made, ensuring compliance, auditability, and operational efficiency.

Use Cases Across Sectors

The integrated solution is designed for use across campuses, transport systems, and enterprise environments. Educational institutions, in particular, stand to benefit through controlled on-campus spending, reduced cash handling, and enhanced transaction transparency.

By embedding payments into operational workflows, NPST aims to position itself at the intersection of identity management and digital finance—an area with growing relevance in India’s evolving fintech landscape.

Risks and Investor Caution

While NPST’s long-term performance has been exceptional, market experts caution that multibagger stocks can also be highly volatile. The sharp correction witnessed in 2025 serves as a reminder that price swings are an inherent part of equity investing.

Investors are advised to assess fundamentals, valuation, and risk tolerance carefully and seek professional advice before making investment decisions.

A Case Study in Long-Term Investing

Network People Services Technologies stands as a powerful example of how small-cap stocks, backed by strong sectoral tailwinds and business execution, can create extraordinary wealth over time.

For long-term investors, the stock’s journey reinforces a key lesson of equity markets: sustained patience, coupled with informed decision-making, can deliver results far beyond short-term expectations.

News #BusinessNews#DigitalPayments#EquityInvesting#FintechIndia#IndianMarkets#LongTermInvesting#MarketNews#MultibaggerStock#NetworkPeopleServices#NPST#RetailInvestors#ShareMarketIndia#SmallcapStocks#StockMarket#WealthCreation

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