Banks industry
42 companies · ₹54.7 L cr · 38 with AI deep dives
5y revenue CAGR
median 11.8%(p25 10.32% · p75 16.09%)
Debt / equity
median 0.81x(p25 0.55x · p75 1.23x)
AI sector brief
from the bucket's latest earnings calls · as of 2026-06-30mixedNIM under pressure from rate-cut cycle; only selective recovery stories12 managements
The 125 bps cumulative RBI repo rate cuts compressed NIM across most of the sector. Private banks (Axis 3.46%, Kotak 4.53%, RBL 4.13%) reported sequential NIM declines; PSU banks…
- AXISBANK (Q1FY27): “Net Interest Margin (NIM) at 3.46%; ~74% of loans floating; NIM Movement - Q4 FY26 to Q1…”
tailwind14 managements🔒headwind8 managements🔒tailwind10 managements🔒headwind10 managements🔒headwind7 managements🔒mixed7 managements🔒
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| Company | Mcap | AI verdict | Signals | Stated KPIs (latest call) |
|---|---|---|---|---|
| HDFC Bank Ltd | ₹11.3 L cr | Unlock | bank capital strong | |
| ICICI Bank Ltd | ₹10.2 L cr | Unlock | bank capital strong | |
| State Bank of India | ₹9.3 L cr | Unlock | ||
| Kotak Mahindra Bank Ltd | ₹3.8 L cr | Unlock | bank capital strong | |
| Axis Bank Ltd | ₹3.8 L cr | Unlock | bank capital strong | |
| Union Bank of India | ₹1.3 L cr | Unlock | ||
| Punjab National Bank | ₹1.3 L cr | Unlock | ||
| Bank of Baroda | ₹1.2 L cr | Unlock | ||
| Canara Bank | ₹1.1 L cr | Unlock | ||
| Indian Bank | ₹1.1 L cr | Unlock | ||
| IDBI Bank Ltd | ₹92,213 cr | Unlock | bank capital strong | |
| Federal Bank Ltd | ₹88,220 cr | Unlock | bank capital strong | |
| AU Small Finance Bank Ltd | ₹78,496 cr | Fair-valued franchise with improving returns; universal bank license the visible re-rating lever | bank capital strong | |
| IndusInd Bank Ltd | ₹77,348 cr | Unlock | bank capital strong | |
| IDFC First Bank Ltd | ₹73,880 cr | Unlock | bank capital strong | |
| Yes Bank Ltd | ₹71,625 cr | Unlock | bank capital strong | |
| Indian Overseas Bank | ₹65,357 cr | Unlock | ||
| Bank of India | ₹62,076 cr | Unlock | ||
| Bank of Maharashtra | ₹61,717 cr | Unlock | ||
| RBL Bank Ltd | ₹56,445 cr | Unlock | bank capital strong | |
| UCO Bank | ₹33,456 cr | Unlock | ||
| Karur Vysya Bank Ltd | ₹32,543 cr | Unlock | bank capital strong | |
| Central Bank of India | ₹27,969 cr | Unlock | ||
| Bandhan Bank Ltd | ₹27,195 cr | Unlock | bank capital strong | |
| City Union Bank Ltd | ₹23,610 cr | Unlock | bank capital strong | |
| Jammu and Kashmir Bank Ltd | ₹19,546 cr | Unlock | bank capital strong | |
| Punjab & Sind Bank | ₹16,781 cr | Unlock | ||
| Tamilnad Mercantile Bank Ltd | ₹13,736 cr | Unlock | net cashbank capital strong | |
| Ujjivan Small Finance Bank Ltd | ₹13,636 cr | Unlock | bank capital strong | |
| South Indian Bank Ltd | ₹12,355 cr | Unlock | ||
| Karnataka Bank Ltd | ₹10,463 cr | Unlock | bank capital strong | |
| Equitas Small Finance Bank Ltd | ₹8,578 cr | Unlock | bank capital strong | |
| DCB Bank Ltd | ₹6,326 cr | Unlock | ||
| CSB Bank Ltd | ₹5,887 cr | Unlock | bank capital strong | |
| Jana Small Finance Bank Ltd | ₹5,599 cr | Unlock | bank capital strong | |
| Utkarsh Small Finance Bank Ltd | ₹2,545 cr | Unlock | ||
| ESAF Small Finance Bank Ltd | ₹1,955 cr | Unlock | ||
| Suryoday Small Finance Bank Ltd | ₹1,759 cr | Unlock | bank capital strong | |
| Dhanlaxmi Bank Ltd | ₹1,356 cr | Unlock | ||
| Fino Payments Bank Ltd | ₹1,352 cr | Unlock | latent operating leveragebank capital strong | |
| Capital Small Finance Bank Ltd | ₹1,344 cr | Unlock | bank capital strong | |
| Gujarat State Financial Corporation | ₹95 cr | Unlock |