Other Bank sector
7 companies · ₹1.1 L cr · 7 with AI deep dives
5y revenue CAGR
median 22.2%(p25 19.86% · p75 24.54%)
Debt / equity
median 1.02x(p25 0.82x · p75 1.52x)
AI sector brief
from the bucket's latest earnings calls · as of 2026-03-31mixedDeliberate portfolio pivot from MFI/JLG toward secured lending4 managements
Four SFBs reported a pronounced and management-led shift in portfolio mix away from microfinance/JLG toward secured products (housing, MSME, CV, gold, LAP). Secured share crossed…
- UJJIVANSFB (Q4FY26): “The secured portfolio now contributes 49.4% of the overall book, up from 43.5% Y-o-Y and…”
tailwind5 managements🔒mixed4 managements🔒tailwind5 managements🔒tailwind4 managements🔒mixed4 managements🔒
5 more themes from this quarter's earnings calls are locked. A free account opens the full brief: every theme with verbatim management quotes, the demand picture, companies running against the tide, and the regulatory & disruption watch. Sign up free →
| Company | Mcap | AI verdict | Signals | Stated KPIs (latest call) |
|---|---|---|---|---|
| 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 | |
| Ujjivan Small Finance Bank Ltd | ₹13,636 cr | Unlock | bank capital strong | |
| Equitas Small Finance Bank Ltd | ₹8,578 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 | |
| Fino Payments Bank Ltd | ₹1,352 cr | Unlock | latent operating leveragebank capital strong |