In the stock market, the loudest stories are rarely the most rewarding. Sometimes, the real opportunities are hidden inside businesses that look boring, move slowly, and stay away from daily headlines. Transrail Lighting Ltd is one such company. It doesn’t sell apps. It doesn’t chase trends. It builds power lines, substations, and transmission infrastructure — the kind the world simply cannot function without. And quietly, it may be setting up a long-term compounding story. A Public Listing, Then Silence Transrail Lighting Limited entered the stock markets in December 2024 , backed by strong institutional demand and high investor interest. After listing, the stock rallied — and then something interesting happened. It stopped being exciting. Prices consolidated. Volumes cooled. Most short-term participants moved on. For long-term investors, this phase matters the most — because this is where fundamentals, not hype, start driving returns. What Does Transrail Actually Do? (In O...
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Private sector bank jab hm sunte hai to aap sab k mind m click krta hoga HDFC BANK, ICICI
BANK, AXIS BANK, KOTAK BANK But ye sab banks to bade ban gaye , mein nayi bundo ki baat karunga is blog mein jinhe pehle nadiyo fir sagar and fir mahasagar mein convert hona hein .
😂😂😂😂😂 kuch jyada hi shayri hogyi
😂😂😂😂😂 kuch jyada hi shayri hogyi
Mera matlab un banks se hein jinki baat abhi markets mein jyada nahi hoti hein , jo fancy mein nahi hein jo multi-bagger banne ka potential rakhte hai.
TOP 5 PRIVATE SECTOR BANK STOCK
In today's blog we will discuss some private sector banks, in which we feel that we can keep investing for a long time, and in which we can get the benefit of continuous compounding. As you know I am a long term investor. And as a long term investor I try to invest in stocks which can multiply 10 to 15 times in the next 5 to 7 years. But while doing long term investment, sometimes we feel that we should have some stocks in our portfolio in which we can invest for a very long time, that means we should not even think of selling those stocks after 10 years, 15 years or 20 years. We can safely invest in stocks, and we can benefit from capital appreciation, dividend income and internal compounding. Whenever we look for such investments, we see that most of the sectors are unpredictable, but banking is one sector in which one can invest for a very long time. In a rapidly going economy like India, definitely the future of banks is very bright. Banks are able to full fill all the criteria for extra long term investment. It can remain in continuous growth, it can also give us the benefit of internal compounding and also it can give us the benefit of a good dividend income when it moves forward when it comes to the stable phase. In dividend income, definitely PSU banks have slightly overtaken private banks but as far as P/E ratio expansion is concerned, internal compounding is concerned and capital appreciation is concerned, private sector banks have left PSU banks far behind. Private sector banks are the ones who have achieved very good growth. And on the other hand, some private sector banks are like this, which at present are working in small cap and mid cap space and definitely in the coming times, they can enter in very large cap space.
DISCLAIMER :-Today's blog will be read purely for educational purposes, because I am not a SEBI registered investment advisor and if you take investment advice from any non SEBI registered research analyst person then it can be harmful for your portfolio. Whatever investment decision you take, take it after your research or only on the advice of your SEBI registered advisor.
Bahut ho gya suspense friends! To chaliye, ab shuru karte hai !!!!!
1. IDBI BANK LTD:
IDBI BANK LTD: The Bank has a wide network of 1,886 branches, comprising 426 metro branches, 465 urban branches, 585 semi-urban branches and 408 rural branches (including 254 Financial Inclusion branches) across India.
IDBI BANK LTD: one overseas branch at Dubai International Financial Centre (DIFC), Dubai and one International Financial Services Centre (IFSC) Banking Unit (IBU) at Gujarat International Finance Tec-City (GIFT). Gandhinagar. The physical network also comprised 3.403 ATMs and 58 e-lounges.
LOAN BOOK:- As on 30th June 2022, the retail portion comprises 63% of the loan book while the rest 37% is the corporate portion.
GEOGRAPHIC BREAKUP: Domestic Advances - 95%.
Overseas Advances-5%.
SECTOR-WISE BREAKUP :
Industry-34%.
Personal loans 34%,
Services 16%,
Agriculture 12%.
Others 4%
SUBSIDIARIES OPERATIONS
1. IDBI CAPITAL MARKETS & SECURITIES LTD: It is a wholly owned subsidiary that offers online trading in Equities, F&O. Mutual Funds and IPOS.
2. IDBI INTECH LTD: It is a wholly owned subsidiary which offers fintech products and solutions for digital transformation in, finance & insurance sector.
3. IDBI ASSET MANAGEMENT LTD.
CURRENT PRICE-66 MARKET CAP - 70966CR.
HIGH/LOW- 74.8/42.9
STOCK PE -14.9 BOOK VALUE-43.1
DIVIDEND YIELD-1.52%
ROCE- 4.26% ROE 8.34%
EPS -4.44
FACE VALUE- 10.00 PROMOTER HOLDING-94.7%
PUBLIC HOLDING-4.62%
FII HOLDING -0.24% DII Holding -0.40%
2. IDFC FIRST BANK
IDFC FIRST BANK LTD: Presently, the bank operates a network of 809 branches and 925 ATMs across India. Transformation Company is transforming from a corporate focused low NIM bank to a retail focused high NIM bank.
SCALING UP OF BUSINESS OPERATIONS:
1. During FY22, the bank has scaled up its Digital Cash Management solutions. Trade Forex, wealth management, FASTag. toll acquiring business and credit cards. It has also introduced new variants of current accounts.
2. Retail and commercial loans were 35% of total funded assets in Dec '18. At present, they stand at 72% of the total funded assets. The Co. has brought down infrastructure loans from Rs. 22.710 cr (Dec'18) to Rs. 6,891 cr (March 22). They accounted for 5.2% of the total funded assets of the Bank during the current fiscal.
3. Guides to bring it down to nil by FY24/25. The retail loan book of the bank is well diversified across different business verticals and at present constitutes 63% of total funded assets.
CURRENT PRICE-88 MARKET CAP - 62177CR.
HIGH/LOW- 101/52.1
STOCK PE -21.4 BOOK VALUE-39.1
DIVIDEND YIELD-0.00%
ROCE- 6.59% ROE 10.6%
EPS -4.44
FACE VALUE- 10.00 PROMOTER HOLDING-37.5%
PUBLIC HOLDING-25.6%
FII HOLDING -26.1% DII Holding -7.09%
3. UTKARSH SMALL FINANCE BANK LTD
UTKARSH SMALL FINANCE BANK LTD: Incorporated in 2016. Utkarsh Small Finance Bank is engaged in providing banking and financial services.
LEADING SFB:- Utkarsh Small Finance Bank Limited is an SFB and has recorded the second fastest AUM growth from FY19 to FY22 among SFBs with AUM of more than Rs. 50 billion.
BUSINESS MODEL: Co. provides loans primarily based on the joint liability group-lending model for providing collateral-free, small ticket-size loans to economically active poor women for income generation purposes. Their micro-banking portfolio constituted 81.98%, 75.28%, and 66.03% of their total Gross Loan Portfolio as of FY22.23 respectively.
SERVICES:- Accounts and Deposits, Cards, Insurance and Investments Loans.
UTKARSH SMALL FINANCE BANK LTD: The total number of deposit customers has more than doubled from 0.88 million end of March 2021 to 2.04 million end of March 2023.
GEOGRAPHICAL PRESENCE: Their operations are spread across India and are present in 26 States and Union Territories with 830 Banking Outlets and 15,424 employees. as of March 31, 2023. 27.35% of their Banking Outlets were located in Unbanked Rural Centers.
1.North-339
2.West- 84
.
3.South-28
4.East - 379
CURRENT PRICE-51.8 MARKET CAP - 5681CR.
HIGH/LOW- 61.6/37.2
STOCK PE -12.6 BOOK VALUE-20.06
DIVIDEND YIELD-0.00%
ROCE- 9.37% ROE 22.6%
EPS -4.78
FACE VALUE- 10.00 PROMOTER HOLDING-69.3%
PUBLIC HOLDING-15.7%
FII HOLDING -2.07% DII Holding -13.0%
4. BANDHAN BANK
BANDHAN BANK LTD: The Co. was first set up as Bandhan Financial Services Pvt. Ltd (BFSL) in 2006. BFSL was the largest NBFC-MFI in India until 2014 after which the Co. received a banking license from the RBL. After Bandhan Bank commenced its operations in 2015. BFSL's entire microfinance portfolio was transferred to the books of Bandhan Bank.
REVENUE SPLIT TREASURY: 11% in FY22 vs 12% in FY18 Retail Banking: 84% in FY22 vs 85% in FY18 Corporate Banking: 3% in FY22 vs 1% in FY18
REVENUE SPLIT TREASURY: During FY22, the total number of banking outlets that have been added to the network is 329. The Co. has a presence in 548 cities across 34 states and union territories. It has 1,189 branches and 4450 banking units under operation. 58% of the banking outlets are in the eastern and northeastern regions while 72% of these outlets are present in rural and semi-rural areas.
AMALGAMATION :- In 2019, the company was amalgamated with GRUH, a housing finance company. Following the merger of Bandhan Bank and GRUH Finance Limited, the bank has increased the scope of its housing-related activities and has begun offering home loan products from more than 160 bank branches around the country.
CURRENT PRICE-254 MARKET CAP - 40885CR.
HIGH/LOW- 272/182
STOCK PE -16.1 BOOK VALUE-121.57
DIVIDEND YIELD-0.59%
ROCE- 6.67% ROE 11.9%
EPS -15.8
FACE VALUE- 10.00 PROMOTER HOLDING-40%
PUBLIC HOLDING-9.73%
FII HOLDING -32.87% DII Holding -17.4%
5. FEDERAL BANK
FEDERAL BANK LTD was incorporated in 1931 as Travancore Federal Bank Limited.
Presently, the bank operates a network of 1408 branches and 1935 ATMs and 440 cash recyclers across 24 States. Delhi NCT and 4 Union Territories.
LOAN BOOK:-55% of the loan book consists of retail loans the rest 45% of the book consists of wholesale loans.
FEE INCOME: Presently, the bank earns -54% of its fees from retail operations, 21% from treasury operations and 23% from wholesale operations.
DIGITAL OVERVIEW :- The bank has seen heavy adoption of digitization of banking operations. 90% of all accounts were opened digitally in FY22 with a growth of -34% in mobile banking volume. Digital channels now account for 88% of all banking transactions.
SUBSIDIARIES/ JV OPERATIONS:-
1. FEDERAL OPERATIONS AND SERVICES LTD wholly owned Subsidiary Company of the bank. It provides operational and technology-oriented services to the Bank.
2. FEDBANK FINANCIAL SERVICES LTD (74% SHAREHOLDING):- It has over 300 branches across India providing multiple loan products to various segment of borrowers.
3. IDBI FEDERAL LIFE INSURANCE CO. LTD (26% shareholding)
4. EQUIRUS CAPITAL PVT LTD (19.89% shareholding)
CURRENT PRICE-154 MARKET CAP - 37585CR.
HIGH/LOW- 159/121
STOCK PE -10.2 BOOK VALUE-105
DIVIDEND YIELD-0.65%
ROCE- 5.91% ROE 15.3%
EPS -16.9
FACE VALUE- 2.00 PROMOTER HOLDING-NA
PUBLIC HOLDING-26.5%
FII HOLDING -29.4% DII Holding -44.0%
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