Good to know

10/05/2026

For equity lovers
Q4 highlights of indian overseas bank

Asset Quality & Capital Strength

​The bank has reached historic lows in non-performing asset

Gross NPA (GNPA): Fell to 1.42% (vs 2.14% last year).
Net NPA (NNPA): Near zero at 0.21% (vs 0.37% last year).
Provision Coverage Ratio (PCR): Robust at 97.50%, ensuring high protection against future credit shocks.
​Capital Adequacy Ratio (CAR): Improved to 19.78% (Tier-I at 16.94%), well above regulatory requirements.

​📈 Profitability Ratios

​Net Interest Margin (NIM): Maintained healthily at 3.35% (Domestic).
​Return on Assets (ROA): Increased to 1.32% for the quarter, up by 20 bps YoY.
​Return on Equity (ROE): Jumped to 21.94%, a significant improvement from 19.53% last year.
​Cost to Income Ratio: Reduced to 44.02%, indicating better operational efficiency.

Challenge- Major stakeholder is government and less public, dii,fii investment resulting less trade volume

Disclaimer- details are presented here are only for educational purposes and do you own research and share your views.

10/05/2026

This has moved about 10% since this post,
Hope we have this in watchlist

For equity lovers analysis
Q3 result analysis of Aptus value housing finance,

As of February 2026, here is a fundamental analysis based on their latest Q3 FY26 results and recent performance metrics.

​1. Key Financial Highlights (Q3 FY26)
​Aptus has shown consistent growth-leading profitability despite some market volatility.

​Net Profit: ₹236.19 Cr (Up 24% YoY).
​Total Income: ₹569 Cr (Up 22% YoY).
​AUM (Assets Under Management): ₹12,330 Cr (Growing 21% YoY).
​Profit Margins: Net Profit Margin (PAT) stands at an impressive 42.66%, showing excellent cost management.
​2. Profitability & Efficiency Ratios
​Aptus having some of the best return ratios in the NBFC sector.
​Return on Assets (ROA): ~7.9% (Highly superior; most peers operate between 2–4%).
​Return on Equity (ROE): ~18% - 20%.
​NIM (Net Interest Margin): Remains healthy at ~11% - 13%, but slight marginal compression due to rise of borrowing costs.
​Cost-to-Income Ratio: Low at ~19% - 21%, indicating efficient work model.

​3. Asset Quality
​The company maintains a strong focus on collections, though there is some seasonal variation.
​Gross NPA (GNPA): 1.56% (Stable sequentially).
​Net NPA (NNPA): 1.18%.
​Collection Efficiency: Consistently above 99%.

​4. Growth Strategy & Outlook
​Branch Expansion: Increased network to 335 branches; expanding into new states like Maharashtra and Odisha to reduce geographic concentration in South India.

​Summary: Pros & Cons
​Pros: Exceptional profitability (ROA/ROE), high capital adequacy (CAR >70%), and efficient operations.
​Cons: The stock has underperformed the broader sector recently (down ~18% in the last year). There is also high geographical concentration in South India (Tamil Nadu/Andhra Pradesh).
And company is going through price correction which may be in our watchlist to review the sector and future focused company

Disclaimer - the above information is based on company q3 result which you may use for further analysis,

Source- https://www.bseindia.com

01/05/2026

Celebrating my 2nd year on page. Thank you for your continuing support. 🙏🤗🎉

29/04/2026

For equity lovers
Financial analysis of indian overseas bank for fy 25-26

The analysis highlights that FY 2025-26 was a "historic milestone" for the bank, as it achieved record profitability, superior asset quality compression,

Here are the key take aways from the analysis for FY 2025-26:Financial Performance & Growth

Total Income: Achieved ₹37,53,215 Lakhs, representing double-digit growth.

This was an increase of 11.4% compared to ₹33,67,608 Lakhs in FY 2024-25.

Net Profit (PAT): Soared to ₹5,20,803 Lakhs, a 56% YoY increase compared to ₹3,33,471 Lakhs in FY 2024-25.

Earnings Per Share (EPS): Increased by 53.4% to ₹2.70 from ₹1.76 in the prior year.

Total Assets: Grew by 19.8% to ₹4,73,31,986 Lakhs.

Asset Quality and Efficiency

Asset Quality Compression: The bank reported its lowest ever Gross NPA (1.42%) and Net NPA (0.21%) ratios.

Return on Assets (ROA): Improved to 1.23% (FY26) from 0.92% (FY25), reflecting high asset efficiency.

Disclaimer :- The content is only for educational purposes and may require deep analysis for any investment decision, please take advise of your advisor.

15/04/2026

For equity lovers
Q4 result analysis icici lombard

​Revenue Growth: Total Income saw a robust jump of 17.1%, crossing the ₹6,600 crore mark, driven by strong premium collection.

​Profitability (PAT): Net profit grew by 7.25%. While positive, the growth was slower than the top-line growth, likely due to a competitive claims environment.

​Underwriting Efficiency:
The Combined Ratio showed a positive downward trend, dropping from 102.5% to 101.2%, signaling better control over claims and management expenses.

​Market Outperformance:
With a GDPI growth of 18.2%, the company continues to grow faster than the general insurance industry average.

Key factors
Stock pricess is Down by 18% from its all time high
All time high PE was 58 which is currently at about 34 and median PE is at 40
Showing good price to value status

Disclaimer- This is only for educational purposes and requesting to do your own analysis for further decision

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14/04/2026

For equity lovers

At good valuation as of now

12/04/2026

Recent credit card related changes applicable from 1st April 1026

1-Mandatory pan linking
2-high value spending >10lakh will be reported and if spending is high than disclosed earnings will automatic triggered income tax notice
3-Now credit reporting will be in 7 days for all on time payments and defaulted payments, mean banks has more precise credit data while lending
4-if customer requested to close the credit card then bank has to close the card with in 7 days and delay in closing credit card will impose Penalty on bank.

12/04/2026

Major updates to toll collection rules in India have gone into effect this month (April 2026)

​1. Permanent Closure of Cash Lanes

​Penalty for Non-Compliance: If you enter a toll plaza without a valid FASTag, you can no longer simply pay the cash fee. You will be required to pay via UPI, but it will cost you 1.25 times the standard fee.

2-New "Unpaid User Fee" Recovery
​New enforcement rules (effective March 17, 2026)

:​ E-Notice System: If a toll is missed (e.g., insufficient FASTag balance), an electronic notice is sent to the vehicle owner.
:​ The 72-Hour Grace Period: If you pay the missed toll within 72 hours of the notice, you only pay the original amount.
: ​Double Penalty: After 72 hours, the amount due doubles.
: ​VAHAN Restrictions: If unpaid for more than 15 days, the dues are recorded in the VAHAN database, which can block vehicle-related services like fitness certificates or ownership transfers until cleared.

3-Revised Annual Pass Rates
: ​New Rate: The annual pass now costs ₹3,075 (up from ₹3,000).
: ​Validity: This covers up to 200 trips or one year of unlimited travel on specific routes, depending on the pass type.

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11/04/2026

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11/04/2026

UPI payments related changes from 1st April 2026 and proposed Cooling Period

1-Mandatory Two-Factor Authentication (2FA)

Depending on your bank and app (Google Pay, PhonePe, Paytm, etc.), you may be asked for biometric authentication (fingerprint/Face ID), a device-based approval, or an OTP to complete a payment.

2-Proposed "Cooling Period" for High-Value Transfers (Under discussion)

​The RBI is currently discussing a new proposal to tackle fraud in real-time.

​The Change: Peer-to-peer (P2P) transfers above ₹10,000 may face a one-hour delay before the money is credited to the recipient's account. (Means this will give 2nd layer of protection of 1hr to report fraudulent transactions)

UPi transaction limit
Standard daily limit - 1 lakh
Special Categories - 5 lakh (Education, Healthcare, ipo & insurance)
New Users - 5k for 24 hours
Upi Lite - 1000 per transaction & 10000 cumulative per day

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01/04/2026

New banking Rule effective from 1st April

Several significant banking and financial rule changes have taken effect today, April 1, 2026
Few are listed below

​1. Mandatory Two-Factor Authentication (2FA)
​The RBI has implemented a stricter security framework for all digital payments (UPI, Cards, Wallets).

​Beyond OTP: Simple SMS-based OTPs are no longer sufficient for many transactions.
​Layered Security: You may now be required to provide a second, dynamic factor such as biometrics (fingerprint/face ID) or a secure in-app token/PIN to authorize payments.

​2. Revised ATM & UPI Cash Withdrawal Charges
​Several major banks have updated their fee structures for cash withdrawals:

​HDFC Bank: UPI-based cash withdrawals at ATMs are now treated as regular ATM transactions. After the 5 free monthly transactions, a fee of ₹23 + taxes per transaction will apply.

​3. Stricter Credit Card Reporting & Tax Linkage
​The Income Tax Department is keeping a closer watch on credit card spending:

​High-Value Reporting: If your total credit card payments exceed ₹10 lakh in a financial year, banks will report this directly to the Tax Department.

​Mandatory PAN: No new credit cards will be issued without a valid PAN, and existing cards must be linked to your tax profile.

Disclaimer : please read this as information purposes for more details please refer rbi website