RECURRING DEPOSIT
Reaction to Bajaj Finance and Shriram Finance an opportunity? 6 stocks in the financial sector with upside potential of over 30%
Headlines in the last two days were all about two long-term wealth creators witnessing a sharp decline because their Q4 numbers were below estimates. The headlines don’t tell us why. Nor do they tell us that these stocks were outperformers in the last three months of correction. So, some profit-booking is only to be expected. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components - earnings, fundamentals, relative valuation, risk and price momentum to generate standardized scores. SR+ Reports is a complimentary offering to ETPrime members.
These 11 banking stocks can give more than 27% returns in 1 year market, according to analysts
Every sector has a key element and it is important to look at it if you are investing in that sector. In the case of banking, it is NPAs, or non-performing assets. Why the abbreviation before the full form? We react to news before understanding it. News is the abbreviation whose meaning becomes clear only on closer examination. So, while looking at the Q4 numbers of banks, it is important to look at NPAs. But there is another number which is equally important: Credit growth. It is likely to remain muted. And that in itself is not a bad sign. Asset quality is good and stays that way if NPA numbers are stable and the books are reliable.
Not from IIT. Still Bengaluru techie making Rs 21 LPA at age 23. She replies how
A 23-year-old Bengaluru techie's candid social media post about career moves and financial planning has gone viral. Despite multiple job switches, she landed interviews at Google and Amazon, saving ?1 lakh monthly while enjoying life. She prioritizes experiences and parental support over extreme frugality, advocating for a balanced approach to early career and finances.
Retirement plan: Where to invest if you have a monthly pension of Rs 30,000
For senior citizens with a monthly pension, experts recommend a conservative investment approach, emphasizing options like recurring deposits, fixed deposits, and the Senior Citizen Savings Scheme. Tax-free bonds and debt mutual funds also present viable choices, offering liquidity and potential for portfolio rebalancing.
HDFC, ICICI, Axis Bank, Bajaj finance, Shriram Finance: Will the Big Boys return to wealth creation?
You may not have noticed this, but the Big Boys of banking and the NBFC space like HDFC, ICICI, Axis Bank, or Bajaj Finance are all doing well. Just look at their performance in four of the last six months. They have been outperforming a strong bearish market. Why is this significant? Because this performance has to be seen in light of what they did between October 2021 and November 2024. It was a period during which they did nothing, except in the case of ICICI Bank which was able to relatively outperform its peers. The million dollar question now is: Will the Big Boys return to creating wealth as they used to?
Experience and energy: Time to have both in your portfolio. 6 stocks which fit the bill with upside potential ranging from 10 to 37%
What do the words ‘experience’ and ‘energy’ in our headline mean? The experience of witnessing many economic cycles; and the energy to use tech to not only cut down the cost of doing business, but also to maintain the quality of the loan book. Yes, some businesses reach a stage where both are required. But we know what happens when a company only has energy and focuses on a “grow fast” strategy, but does not have the experience to pull it off. There are several such companies; but Paytm fits the bill as well.
These 8 banking stocks can give more than 27% returns in 1 year, according to analysts
Just after the announcement of the RBI policy meeting, two large banks reduced their SB account interest rates. Now, why have banks, which were vocal about the cost of deposits, all of a sudden reduced their SB rates? Is it because they are not concerned about the cost of deposits? Or, have they figured out that they will not be getting much money in the savings accounts, so might as well cut the rate? Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components, earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardized scores. SR+ Reports is a complimentary offering to ETPrime members.
HDFC Bank shares jump 4% after 25 bps savings account interest rate cut
HDFC Bank shares: The rate cut is expected to lower the bank's cost of funds, which could help sustain margins amid a declining interest rate environment. However, the decision might raise concerns among depositors, particularly given the competitive nature of the banking sector.
HDFC Bank cuts savings interest rate to 2.75%
HDFC Bank has cut its savings account interest rate by 25 basis points to 2.75%, the lowest among private sector peers, effective April 12. This decision follows the RBI's recent repo rate cuts and aims to boost term deposits while managing net interest margins. The move aligns HDFC Bank's savings rate closer to public sector banks like SBI and PNB.
These 8 banking stocks can give more than 32 % returns in 1 year even in volatile market, according to analysts
There’s a new narrative on the street: That, as banking is largely a domestic-focused sector, one can take exposure to it. The reality, however, is that banking does get impacted by global turmoil. We are not, however, saying you should not be bullish on the banking sector with a medium- to long-term perspective. Just be clear about the reason for being bullish. When you know the reason, it helps you avoid making wrong decisions in a volatile or bearish market.
Tax-free interest up to Rs 7000: Post Office Savings Accounts still offer relief under new tax regime; Here's how to claim it
Tax-free interest from post office: Many individuals will opt for the new tax regime for FY 2025-26. This is due to the new income tax slabs introduced from April 1, 2025. The new tax regime does not offer many exemptions and interest. However, the new tax regime does not offer many exemptions and deductions. Still, taxpayers can claim an exemption on a post office savings account. Here's how.
These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 30%
If the US markets continue to drop as they have been doing, there is no way the Indian market, or for that matter any other market, whether emerging or developed, will see a standalone uptrend. Yes, there will be phases of relative outperformance. But the question for you, as an investor, is: Should you, for instance, sell a stock like HDFC Bank because the Dow and Nasdaq have crashed? This underperformer for three years has outperformed the falling market these past three months.
Beyond buying, selling, and panic; sometimes, just ‘hold’ stocks: 17 large-caps with an upside potential of up to 49%
While markets are largely about buying and selling, wealth creation is about holding stocks. Today, when you see the Nifty and Sensex trading with a cut of more than 5%, the chances are you may end up selling a winner and a good business in panic. There is no point in trying to guess when this correction will end. It might end today, or it may continue for some more time. You have no control over global events, but you can control your own actions. And sometimes no action is the best action. Don’t look at the value of your portfolio every evening. It may lead you to either buy or sell at a time when both should be avoided. And for a good reason.
Focus beyond noise and uncertainty of tariff war: 6 Large-cap stocks with an upside potential of up to 42%
The coming week will see statements from different parts of the world on the tariff war unleashed by US President Trump. And these will make global markets, including India, even more volatile. So, it is better to be ready to deal with this volatility. And that includes thinking beyond the volatility, because all events, however negative or positive they might be, come with an expiry date in terms of their impact. So, think long term, because, as they say, this too will pass.
Indians are quitting the safety net of health insurance; GST and high premiums are only part of the problem
Rising health insurance premiums and frequent claim rejections have led more Indians to drop their coverage. Despite the introduction of GST and government schemes, escalating costs leave many struggling to afford insurance, prompting calls for regulatory reforms to stabilize healthcare expenses.
Major TDS changes from April 1: Higher limits for interest, rent & dividends
From April 1, 2025, TDS threshold changes will increase limits on interest income, dividends, rent, and commissions. The updates aim to improve cash flow and reduce tax burdens. Key adjustments include higher limits for senior citizens, small investors, and professionals. These alterations will provide significant relief to depositors, investors, and those earning through commissions.
PSU banks: Could they be the surprise outperformers in a volatile market? 7 PSU banks with upside potential of up to 43%
One should be able to read meaning even in the little things that happen on the markets. Now, several companies have issued guidances ahead of the Q4 results rollout that is expected from next week. Nothing exceptional about that. Many companies have been doing so for some time now. What is different this time is that among those issuing guidances are some PSU banks. Why is that significant? Does it tell us something about what is happening in the PSU bank space? The answers to these questions will tell us whether these stocks are worth looking at.
These 9 banking stocks can give more than 27% returns in 1 year, according to analysts
Banks provide the lifeline of capital to the economy. So it is credit growth that is the vital parameter when looking at banks. This is not to say that parameters like NIM and NPAs don't matter. But in the overall picture, credit growth is more important. Now, where parameters like NPAs are concerned, things have been brought under control, with the first step being accepting their existence on the balance sheets instead of brushing them under the carpet. But low credit offtake is still a pain point for banks. So, as the Q4 earning season starts, keep an eye on credit growth and deposit cost as these will determine the winner of the next phase of the rally which will only start once the drama about reciprocal tariff gets over.
Comeback candidates of FY26? Three sectors, 19 stocks: Out of favour for some time now, for right or wrong reasons
In every stock market, from time to time, a set of theme-based stocks catch the limelight. Then their valuations get stretched, and they slip into a period of underperformance. This underperformance could be for any reason: Industry not doing as expected, change in technology, whatever. But the fact is these stocks don't perform. Now, there is another side to this story. If the higher valuations were given due to some one-off event, the probability is low that such stocks will see a recovery, either in absolute or relative terms. But if the higher valuation was given because of the overall potential of the sector, the chances are these stocks will make a comeback.
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