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Deposit franchise quality and underwriting discipline remain the cleanest separators in large-cap banking.
| Company | M.Cap | Price | P/E | P/B | ROE | ROCE | D/E | Div Yield | 1Y Return |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finserv Ltd | ₹3,08,471 Cr | ₹1,927.65 | 30.7 | 4.0 | 26.2% | —% | 2.6 | 0.1% | -3.66% |
| Aditya Birla Capital Ltd | — | ₹400.85 | — | — | 11.9% | —% | 4.9 | — | +14.3% |
| Bajaj Housing Finance Ltd | — | — | — | — | 12.7% | —% | 4.6 | — | -10.84% |
| LIC Housing Finance Ltd | — | ₹553.3 | — | — | 14.4% | —% | — | — | +6.19% |
| PNB Housing Finance Ltd | — | ₹1,141.45 | — | — | 12.7% | —% | — | — | +17.67% |
| Aadhar Housing Finance Ltd | — | ₹472.5 | — | — | 15.8% | —% | — | — | -2.18% |
| Sammaan Capital Ltd | — | — | — | — | -35.0% | —% | 2.7 | — | +8.25% |
| Home First Finance Company India Ltd | — | ₹1,204.5 | — | — | 15.7% | —% | 2.4 | — | +13.44% |
| Aptus Value Housing Finance India Ltd | ₹12,476 Cr | — | 12.7 | 2.5 | 20.1% | —% | — | 1.8% | -6.83% |
| India Shelter Finance Corporation Ltd | — | ₹663.7 | — | — | 17.0% | —% | — | — | -14.9% |
| Anand Rathi Share And Stock Brokers Ltd | — | ₹506.05 | — | — | 13.9% | —% | 0.6 | — | -20.16% |
| Repco Home Finance Ltd | ₹2,260 Cr | ₹361.3 | 4.7 | 0.6 | 12.7% | —% | — | 2.4% | -11.57% |
| Grand Oak Canyons Distillery Ltd | ₹1,876 Cr | — | 382.0 | 2.2 | 0.0% | —% | — | 0.0% | -0.33% |
| Centrum Capital Ltd | ₹1,067 Cr | — | — | 3.4 | -84.6% | —% | — | 0.0% | -16.38% |
| Crest Ventures Ltd | — | ₹356 | — | — | 3.8% | —% | — | — | -5.72% |
| GIC Housing Finance Ltd | ₹753 Cr | — | 4.8 | 0.4 | 7.6% | —% | — | 3.3% | -16.4% |
| Digispice Technologies Ltd-$ | ₹383 Cr | — | 15.6 | 1.6 | 9.6% | —% | — | 0.0% | -26.6% |
| SRG Housing Finance Ltd | ₹361 Cr | — | 10.6 | 1.2 | 11.6% | —% | 2.9 | — | -19.59% |
| IL&FS Investment Managers Ltd | ₹309 Cr | — | 65.5 | 1.6 | 2.4% | —% | — | 12.4% | +24.9% |
| RR Financial Consultants Ltd | — | ₹67.25 | — | — | 15.7% | —% | 0.2 | — | +282.22% |
| Transwarranty Finance Ltd | — | — | — | — | -12.5% | —% | — | — | -25.32% |
| India Home Loan Ltd | — | ₹32.8 | — | — | 0.2% | —% | 1.1 | — | -8.47% |
| GDL Leasing & Finance Ltd | — | — | — | — | 12.5% | —% | 0.1 | — | 0.00% |
| Sahara Housingfina Corporation Ltd | — | ₹38.5 | — | — | 0.7% | —% | 0.3 | — | -5.43% |
| Melstar Information Technologies Ltd | — | — | — | — | -36.0% | —% | — | — | -98.0% |
Indian banking sector has undergone massive transformation post the NPA crisis of 2015-2018. Asset quality across the system is at decadal highs with gross NPAs below 3% for the first time in years. Private banks continue to gain deposit market share from PSU banks, driven by superior technology, service quality, and branch expansion.
The HDFC-HDFC Bank merger has created a lending giant with unmatched distribution. Credit growth is healthy at 14-16% driven by retail and MSME segments. Key metrics to watch: Net Interest Margin (NIM), CASA ratio, Provision Coverage Ratio, and Return on Assets.
The sector trades at 2-3x book value for quality names, with PSU banks offering value at 0.8-1.2x book.
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