3 Public Sector Bank, Mortgage Major and Capital Market Stocks With a Strong Future Roadmap: Central Bank of India, LIC Housing Finance and AK Capital Services
- October 19, 2026
- Posted by: Kunal Singla
- Category: Best Stocks
Central Bank of India Rs 30.88, P/E 5.94. LIC Housing Rs 521.00, P/E 5.15. AK Capital Rs 1,754.00, P/E 9.66. Closing prices of 14 Oct 2026.
Quick Answer
Public sector bank, mortgage major and capital market stocks with the clearest long-term roadmaps today include Central Bank of India in lending to retail, agriculture and MSME borrowers through a wide public sector bank network, LIC Housing in home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group and AK Capital in merchant banking, debt capital market services, broking and lending. FY26 revenue growth was 7.9% at Central Bank of India, 2.6% at LIC Housing and 18.4% at AK Capital. P/E stands at 5.94 for Central Bank of India (industry 12.00), 5.15 for LIC Housing (industry 17.72) and 9.66 for AK Capital (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company’s risks need equal attention.
Public sector bank, mortgage major and capital market stocks give investors exposure to bank credit, home loans and capital market services. Credit growth, funding costs and asset quality decide how much of that demand turns into profit.
This list covers three public sector bank, mortgage major and capital market stocks: Central Bank of India for lending to retail, agriculture and MSME borrowers through a wide public sector bank network, LIC Housing Finance for home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group and AK Capital Services for merchant banking, debt capital market services, broking and lending. Every figure comes from the latest reported financials and the 14 October 2026 market close. Companies without complete current figures were left out.
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What Are Public Sector Bank, Mortgage Major and Capital Market Stocks?
Public sector bank, mortgage major and capital market stocks are shares of companies that lend, insure or take deposits for households and businesses. Results depend on credit growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.
Public Sector Bank, Mortgage Major and Capital Market Stocks at a Glance
The table compares size, valuation, return on equity and debt for the three public sector bank, mortgage major and capital market stocks as of the 14 Oct 2026 close.
| Company | CMP (Rs) | Market Cap (Rs Cr) | P/E | Industry P/E | ROE |
|---|---|---|---|---|---|
| Central Bank of India | 30.88 | 27,154 | 5.94 | 12.00 | 12.31% |
| LIC Housing Finance | 521.00 | 29,538 | 5.15 | 17.72 | 13.53% |
| AK Capital Services | 1,754.00 | 1,143 | 9.66 | 17.72 | 10.55% |
Among banking and finance stocks, all three trade at a discount to their industry P/E multiples.
Why Do Public Sector Bank, Mortgage Major and Capital Market Stocks Have a Strong Roadmap in India?
Public sector bank, mortgage major and capital market stocks have a strong roadmap in India because retail and farm credit, home ownership and debt issuance keep adding business for these firms. Three drivers stand out.
- Bank credit: Farms, small firms and households borrow more.
- Home ownership: Salaried families seek home loans.
- Debt issuance: Companies use merchant bankers to raise funds.
Central Bank of India: Wide Branch Network Anchors the Roadmap
Central Bank of India’s roadmap rests on lending to retail, agriculture and MSME borrowers through a wide public sector bank network, with credit demand from households and small businesses supporting earnings.
Revenue grew from Rs 25,870.83 crore in FY22 to Rs 42,583.14 crore in FY26, a 64.6% rise, and FY26 revenue was 7.9% higher than FY25. FY26 net profit rose 14.9% to Rs 4,530.80 crore. Over four years, net profit rose from Rs 1,082.95 crore in FY22 to Rs 4,530.80 crore. In Q1 FY27, revenue grew 3.1% to Rs 10,714.39 crore, and net profit rose 5.4% to Rs 1,328.95 crore.
Return on equity is 12.31%. At a P/E of 5.94 against an industry P/E of 12.00, the stock trades below its industry multiple.
What to watch: The P/E of 5.94 against an industry P/E of 12.00 leaves valuation less stretched, so the next quarters’ growth is the figure to follow.
LIC Housing Finance: Large Home Loan Book Builds the Next Leg
LIC Housing’s roadmap rests on home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group, with a large loan book and a trusted brand supporting origination.
Revenue grew from Rs 20,005.31 crore in FY22 to Rs 28,843.49 crore in FY26, a 44.2% rise, and FY26 revenue was 2.6% higher than FY25. FY26 net profit rose 3.0% to Rs 5,604.24 crore. Over four years, net profit rose from Rs 2,286.00 crore in FY22 to Rs 5,604.24 crore. In Q1 FY27, net profit rose 9.9% to Rs 1,499.03 crore.
Debt to equity is 6.70 and return on equity is 13.53%. LIC Housing paid a dividend of Rs 10 per share for FY26, a yield of 1.86%. At a P/E of 5.15 against an industry P/E of 17.72, the stock trades below its industry multiple.
What to watch: The P/E of 5.15 against an industry P/E of 17.72 leaves valuation less stretched, so the next quarters’ growth is the figure to follow.
AK Capital Services: Merchant Banking and Lending Anchor the Roadmap
AK Capital’s roadmap rests on merchant banking, debt capital market services, broking and lending, with several fee and interest income lines supporting earnings.
Revenue grew from Rs 322.89 crore in FY22 to Rs 573.02 crore in FY26, a 77.5% rise, and FY26 revenue was 18.4% higher than FY25. FY26 net profit rose 30.9% to Rs 114.04 crore. Over four years, net profit rose from Rs 83.01 crore in FY22 to Rs 114.04 crore. In Q1 FY27, revenue grew 4.2% to Rs 140.27 crore, and net profit rose 18.2% to Rs 28.27 crore.
Debt to equity is 2.95 and return on equity is 10.55%. AK Capital paid a dividend of Rs 60 per share for FY26, a yield of 3.46%. At a P/E of 9.66 against an industry P/E of 17.72, the stock trades below its industry multiple.
What to watch: The P/E of 9.66 against an industry P/E of 17.72 leaves valuation less stretched, so the next quarters’ growth is the figure to follow.
Best Public Sector Bank, Mortgage Major and Capital Market Stocks in India: Central Bank of India vs LIC Housing vs AK Capital on Key Financials
Among the best public sector bank, mortgage major and capital market stocks in India, Central Bank of India ranks second on FY26 revenue growth and FY26 net profit growth; LIC Housing leads on return on equity and the lowest P/E; AK Capital leads on FY26 revenue growth and Q1 FY27 net profit growth. The table puts the numbers side by side.
| Metric | Central Bank of India | LIC Housing | AK Capital |
|---|---|---|---|
| FY26 revenue (Rs Cr) | 42,583.14 | 28,843.49 | 573.02 |
| FY26 revenue growth | 7.9% | 2.6% | 18.4% |
| FY26 net profit (Rs Cr) | 4,530.80 | 5,604.24 | 114.04 |
| FY26 net profit growth | 14.9% | 3.0% | 30.9% |
| Q1 FY27 net profit growth (YoY) | 5.4% | 9.9% | 18.2% |
| Return on equity | 12.31% | 13.53% | 10.55% |
| P/E ratio | 5.94 | 5.15 | 9.66 |
Financial earnings follow credit growth, funding costs and asset quality, so full-year numbers and quarterly trends together give a better view.
How to Evaluate Public Sector Bank, Mortgage Major and Capital Market Stocks to Buy Before You Invest
A short checklist keeps the research consistent when you screen public sector bank, mortgage major and capital market stocks and shortlist public sector bank, mortgage major and capital market stocks to buy.
- Compare each stock’s P/E with its industry P/E, which differs by company here.
- Check loan growth, asset quality and capital adequacy together.
- Check whether revenue growth is turning into profit growth, not only sales.
- Read loan growth against funding costs to see how growth is financed.
- Watch capital adequacy and asset quality before sizing a position.
- Spread exposure across companies and business lines instead of one demand cycle.
Risks to Consider Before Investing in Public Sector Bank, Mortgage Major and Capital Market Stocks
- Asset quality: A rise in overdue loans can reduce profit.
- Funding costs: Changes in borrowing costs can move spreads.
- Quarterly trends: A single weak quarter can change near-term earnings, so track results every quarter.
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Final Take: Which Stock Has the Strongest Roadmap?
These three banking and finance stocks cover a public sector bank, a mortgage lender and a merchant banker. Central Bank of India ranks second on FY26 revenue growth and FY26 net profit growth; LIC Housing leads on return on equity and the lowest P/E; AK Capital leads on FY26 revenue growth and Q1 FY27 net profit growth.
Across public sector bank, mortgage major and capital market stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the public sector bank, mortgage major and capital market stocks to buy discussed here.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on Public Sector Bank, Mortgage Major and Capital Market Stocks
Which are the best public sector bank, mortgage major and capital market stocks in India with a strong roadmap?
Ans. Central Bank of India, LIC Housing Finance and AK Capital Services stand out for their roadmaps in a public sector bank, a mortgage lender and a merchant banker. FY26 revenue growth was 7.9% at Central Bank of India, 2.6% at LIC Housing and 18.4% at AK Capital, and return on equity ranges from 10.55% to 13.53%.
Is Central Bank of India a good stock to buy now?
Ans. Central Bank of India has a return on equity of 12.31% and a P/E of 5.94 against an industry P/E of 12.00. Valuation, asset quality and funding costs move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.
What is the P/E ratio of Central Bank of India, LIC Housing and AK Capital?
Ans. The P/E ratio is 5.94 for Central Bank of India (industry 12.00), 5.15 for LIC Housing (industry 17.72) and 9.66 for AK Capital (industry 17.72). All of them trade below the industry multiple.
Which of these public sector bank, mortgage major and capital market stocks has the highest return on equity?
Ans. LIC Housing Finance has the highest return on equity at 13.53%, followed by Central Bank of India at 12.31% and AK Capital Services at 10.55%.
What are the risks of investing in public sector bank, mortgage major and capital market stocks?
Ans. The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.
How did Central Bank of India, LIC Housing and AK Capital perform in Q1 FY27?
Ans. Central Bank of India reported revenue of Rs 10,714.39 crore, up 3.1% year on year, and net profit rose 5.4% to Rs 1,328.95 crore. LIC Housing Finance reported net profit rose 9.9% to Rs 1,499.03 crore. AK Capital Services reported revenue of Rs 140.27 crore, up 4.2% year on year, and net profit rose 18.2% to Rs 28.27 crore.
Do public sector bank, mortgage major and capital market stocks pay dividends?
Ans. LIC Housing and AK Capital pay dividends. The dividend yield is 1.86% for LIC Housing and 3.46% for AK Capital, based on dividends declared for FY26.
How can I invest in public sector bank, mortgage major and capital market stocks in India?
Ans. You can buy public sector bank, mortgage major and capital market stocks through a demat and trading account on NSE or BSE after checking each company’s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.
