# Financial Services Sector
> Deposit franchise quality and underwriting discipline remain the cleanest separators in large-cap banking.

## Overview
Market Cap: ₹6,10,102 Cr
Avg P/E: 90.1
Avg ROE: -3.7%
Avg ROCE: -1.7%
1Y Return: +15.95%
Companies: 64

## Data Freshness
Sector Updated: 2026-05-22T07:41:14.951Z
Updated By: daily market-close sync and live stock-data refresh

## Companies
- Bajaj Finserv Ltd (BAJAJFINSV): ₹1766 | PE 28.33 | MCap ₹2,76,118 Cr
- Aditya Birla Capital Ltd (ABCAPITAL): ₹357.3 | PE 25.07 | MCap ₹93,616 Cr
- Bajaj Housing Finance Ltd (BAJAJHFL): ₹83.07 | PE 26.8 | MCap ₹68,528 Cr
- LIC Housing Finance Ltd (LICHSGFIN): ₹539.2 | PE 5.34 | MCap ₹29,910 Cr
- PNB Housing Finance Ltd (PNBHOUSING): ₹1059.6 | PE 11.92 | MCap ₹27,279 Cr
- Aadhar Housing Finance Ltd (AADHARHFC): ₹475.45 | PE 18.54 | MCap ₹20,025 Cr
- Sammaan Capital Ltd (SAMMAANCAP): ₹161.46 | PE 7.62 | MCap ₹16,043 Cr
- Aptus Value Housing Finance India Ltd (APTUS): ₹260.35 | PE 13.65 | MCap ₹12,874 Cr
- Can Fin Homes Ltd (CANFINHOME): ₹852.65 | PE 10.34 | MCap ₹11,228 Cr
- Home First Finance Company India Ltd (HOMEFIRST): ₹1063.4 | PE 20.64 | MCap ₹11,135 Cr
- AAVAS Financiers Ltd (AAVAS): ₹1396.9 | PE 16.31 | MCap ₹10,618 Cr
- Edelweiss Financial Services Ltd (EDELWEISS): ₹110.11 | PE 14.84 | MCap ₹10,450 Cr
- India Shelter Finance Corporation Ltd (INDIASHLTR): ₹784.75 | PE 17.57 | MCap ₹8,627 Cr
- Anand Rathi Share And Stock Brokers Ltd (ARSSBL): ₹527.5 | PE 22.22 | MCap ₹3,260 Cr
- Repco Home Finance Ltd (REPCOHOME): ₹388.55 | PE 5.28 | MCap ₹2,432 Cr
- Grand Oak Canyons Distillery Ltd (GRANDOAK): ₹26.71 | PE 0 | MCap ₹1,376 Cr
- Centrum Capital Ltd (CENTRUM): ₹22.97 | PE 0 | MCap ₹1,215 Cr
- Crest Ventures Ltd (CREST): ₹348.95 | PE 21.05 | MCap ₹998 Cr
- GIC Housing Finance Ltd (GICHSGFIN): ₹150.45 | PE 5.88 | MCap ₹801 Cr
- BEML Land Assets Ltd (BLAL): ₹188.01 | PE 0 | MCap ₹794 Cr
- Digispice Technologies Ltd-$ (DIGISPICE): ₹19.27 | PE 74.07 | MCap ₹469 Cr
- SRG Housing Finance Ltd (SRGHFL): ₹292.3 | PE 14.98 | MCap ₹448 Cr
- Transchem Ltd-$ (TRANSCHEM): ₹185.3 | PE 55.57 | MCap ₹239 Cr
- IL&FS Investment Managers Ltd (IVC): ₹7.32 | PE 12.1 | MCap ₹232 Cr
- Lexora Global Ltd (LEXGLOBAL): ₹198.35 | PE 64.04 | MCap ₹187 Cr
- Ace Men Engg Works Ltd (ACEMEN): ₹97 | PE 2450 | MCap ₹127 Cr
- Hari Govind International Ltd (HARIGOV): ₹137.9 | PE 0 | MCap ₹112 Cr
- Reliance Home Finance Ltd (RHFL): ₹2.17 | PE 0 | MCap ₹111 Cr
- RR Financial Consultants Ltd (RRFIN): ₹67.56 | PE 12.76 | MCap ₹82 Cr
- Transwarranty Finance Ltd (TFL): ₹13.24 | PE 0 | MCap ₹70 Cr
- Star Housing Finance Ltd (STARHFL): ₹7.12 | PE 9.63 | MCap ₹64 Cr
- Clenon Enterprises Ltd (CLENON): ₹47.49 | PE 0 | MCap ₹52 Cr
- Ind Bank Housing Ltd (INDBNK): ₹47.65 | PE 0 | MCap ₹51 Cr
- India Home Loan Ltd (INDIAHOME): ₹32 | PE 538.17 | MCap ₹46 Cr
- Ruparel Food Products Ltd (RFL): ₹133.2 | PE 0 | MCap ₹39 Cr
- Shree Vatsaa Finance & leasing Ltd (SHVFL): ₹37.3 | PE 89.76 | MCap ₹37 Cr
- GDL Leasing & Finance Ltd (GDLLEAS): ₹68.6 | PE 53.62 | MCap ₹36 Cr
- Johnson Pharmacare Ltd (JOHNPHARMA): ₹0.56 | PE 0 | MCap ₹31 Cr
- CMX Holdings Ltd (CMXLTD): ₹26.56 | PE 0 | MCap ₹30 Cr
- Sahara Housingfina Corporation Ltd (SAHARAHOUS): ₹38.5 | PE 59.22 | MCap ₹28 Cr
- Infomedia Press Ltd (INFOMEDIA): ₹5.99 | PE 0 | MCap ₹28 Cr
- Bombay Wire Ropes Ltd (BOMBWIR): ₹48.72 | PE 0 | MCap ₹28 Cr
- Swarna Securities Ltd (SWRNASE): ₹80 | PE 30.89 | MCap ₹24 Cr
- Tecil Chemicals & Hydro Power Ltd (TECILCHEM): ₹12.67 | PE 0 | MCap ₹23 Cr
- Chambal Breweries & Distilleries Ltd (CHMBBRW): ₹23.5 | PE 0 | MCap ₹19 Cr
- Gujarat Lease Financing Ltd (GLFL): ₹6.34 | PE 349 | MCap ₹19 Cr
- Modern Steels Ltd-$ (MDRNSTL): ₹13.47 | PE 3.53 | MCap ₹17 Cr
- Trans Freight Containers Ltd (TRANSFRE): ₹22.89 | PE 9.91 | MCap ₹16 Cr
- Rajasthan Cylinders & Containers Ltd (RCCL): ₹33.49 | PE 0 | MCap ₹11 Cr
- Univa Foods Ltd (UNIVAFOODS): ₹8.17 | PE 0 | MCap ₹11 Cr
- Jayabharat Credit Ltd-$ (JAYBHCR): ₹22 | PE 0 | MCap ₹11 Cr
- Progrex Ventures Ltd (PROGREXV): ₹29.58 | PE 0 | MCap ₹11 Cr
- Pasari Spinning Mills Ltd (PASARI): ₹7.08 | PE 32.39 | MCap ₹10 Cr
- Skyline Ventures India Ltd (SKILVEN): ₹23 | PE 0 | MCap ₹9 Cr
- Mipco Seamless Rings Gujarat Ltd (MPCOSEMB): ₹22.87 | PE 1143.5 | MCap ₹8 Cr
- Epsom Properties Ltd (EPSOMPRO): ₹9.77 | PE 0 | MCap ₹7 Cr
- Melstar Information Technologies Ltd (MELSTAR): ₹4.32 | PE 0.01 | MCap ₹7 Cr
- Siddheswari Garments Ltd (SIDDHEGA): ₹20.47 | PE 487.5 | MCap ₹6 Cr
- Sword-Edge Commercials Ltd (SWORDEDGE): ₹0.23 | PE 0 | MCap ₹5 Cr
- Tricom Fruit Products Ltd (TRICOMFRU): ₹1.8 | PE 0 | MCap ₹4 Cr
- Beeyu Overseas Ltd (BEEYU): ₹2.85 | PE 0 | MCap ₹4 Cr
- Gaekwar Mills Ltd (ZGAEKWAR): ₹15.03 | PE 0.85 | MCap ₹3 Cr
- PFL Infotech Ltd (PFLINFOTC): ₹4.21 | PE 0 | MCap ₹3 Cr
- Jupiter Industries & Leasing Ltd (JPTRLES): ₹3.99 | PE 0 | MCap ₹0 Cr

## Analysis
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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Source: rupiya.io/sectors/financial-services
Disclaimer: For research and education only. Not investment advice.