{"id":158381,"date":"2026-07-20T16:33:19","date_gmt":"2026-07-20T11:03:19","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=158381"},"modified":"2026-07-20T16:33:21","modified_gmt":"2026-07-20T11:03:21","slug":"nbfc-stocks-lowest-cost-of-funds-2026","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/","title":{"rendered":"3 NBFC Stocks With the Lowest Cost of Funds"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Bajaj Finance, PFC and REC continue benefiting from strong credit ratings supporting relatively low borrowing costs among Indian NBFCs.<\/em><\/p>\n<p><a href=\"https:\/\/univest.in\/user\/stocks\/bajfinance\/bajaj-finance-ltd-share-price-today\">Bajaj Finance<\/a>, <a href=\"https:\/\/univest.in\/user\/stocks\/pfc\/power-finance-corporation-ltd-share-price-today\">PFC<\/a> and REC Limited are among the NBFC stocks with the lowest cost of funds, each positioned within India&#8217;s NBFC funding cost efficiency growth story through distinct business drivers.<\/p>\n<p>India&#8217;s NBFC funding cost efficiency sector continues to see sustained investment and demand growth, and NBFC stocks with the lowest cost of funds reflects companies with the clearest exposure to this trend.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=nbfc-stocks-lowest-cost-of-funds\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>This article examines Bajaj Finance, PFC and REC Limited as NBFC stocks with the lowest cost of funds, covering their specific growth drivers and the risks of this theme.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#What_Defines_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"What Defines the 3 NBFC Stocks With the Lowest Cost of Funds\">What Defines the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Why_These_Are_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"Why These Are the 3 NBFC Stocks With the Lowest Cost of Funds\">Why These Are the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Bajaj_Finance_Strong_credit_rating_supporting_diversified_low-cost_funding_access\" title=\"Bajaj Finance: Strong credit rating supporting diversified low-cost funding access\">Bajaj Finance: Strong credit rating supporting diversified low-cost funding access<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#PFC_Psu_status_supporting_favourable_funding_cost_access\" title=\"PFC: Psu status supporting favourable funding cost access\">PFC: Psu status supporting favourable funding cost access<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#REC_Limited_Psu_power_financing_status_supporting_competitive_funding_costs\" title=\"REC Limited: Psu power financing status supporting competitive funding costs\">REC Limited: Psu power financing status supporting competitive funding costs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Factors_Affecting_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"Factors Affecting the 3 NBFC Stocks With the Lowest Cost of Funds\">Factors Affecting the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Benefits_of_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"Benefits of the 3 NBFC Stocks With the Lowest Cost of Funds\">Benefits of the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Risks_of_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"Risks of the 3 NBFC Stocks With the Lowest Cost of Funds\">Risks of the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#How_to_Evaluate_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"How to Evaluate the 3 NBFC Stocks With the Lowest Cost of Funds\">How to Evaluate the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#How_to_Invest_in_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"How to Invest in the 3 NBFC Stocks With the Lowest Cost of Funds\">How to Invest in the 3 NBFC Stocks With the Lowest Cost of Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#FAQs\" title=\"FAQs\">FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"3 NBFC Stocks With the Lowest Cost of Funds?\">3 NBFC Stocks With the Lowest Cost of Funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#What_drives_Bajaj_Finances_growth_in_this_theme\" title=\"What drives Bajaj Finance&#8217;s growth in this theme?\">What drives Bajaj Finance&#8217;s growth in this theme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#What_drives_PFCs_growth_in_this_theme\" title=\"What drives PFC&#8217;s growth in this theme?\">What drives PFC&#8217;s growth in this theme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#What_drives_REC_Limiteds_growth_in_this_theme\" title=\"What drives REC Limited&#8217;s growth in this theme?\">What drives REC Limited&#8217;s growth in this theme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#Is_this_theme_purely_cyclical_or_structural\" title=\"Is this theme purely cyclical or structural?\">Is this theme purely cyclical or structural?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/nbfc-stocks-lowest-cost-of-funds-2026\/#What_risks_apply_to_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\" title=\"What risks apply to the 3 NBFC Stocks With the Lowest Cost of Funds?\">What risks apply to the 3 NBFC Stocks With the Lowest Cost of Funds?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Defines_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>What Defines the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The NBFC stocks with the lowest cost of funds are companies with direct exposure to NBFC funding cost efficiency, combining relevant scale with disclosed growth or expansion plans.<\/p>\n<p>Understanding these NBFC stocks with the lowest cost of funds helps investors identify names positioned to benefit from sustained sector-wide demand rather than one-off catalysts.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_These_Are_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>Why These Are the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finance&#8217;s strong credit rating supporting diversified low-cost funding access, PFC&#8217;s PSU status supporting favourable funding cost access and REC Limited&#8217;s PSU power financing status supporting competitive funding costs together explain why these represent the NBFC stocks with the lowest cost of funds.<\/p>\n<ul>\n<li><strong>Bajaj Finance&#8217;s strong credit rating supporting diversified low-cost funding access:<\/strong> Bajaj Finance&#8217;s its strong credit rating profile, supporting diversified funding access across bonds, commercial paper and bank borrowings at competitive rates.<\/li>\n<li><strong>PFC&#8217;s PSU status supporting favourable funding cost access:<\/strong> PFC&#8217;s its PSU status, supporting favourable funding cost access given implicit government backing and strong credit ratings for infrastructure financing.<\/li>\n<li><strong>REC Limited&#8217;s PSU power financing status supporting competitive funding costs:<\/strong> REC Limited&#8217;s its PSU power financing status, benefiting from strong credit ratings and government backing supporting competitive borrowing costs.<\/li>\n<li><strong>Sustained sector-wide demand:<\/strong> Broader structural demand growth across NBFC funding cost efficiency supports all three companies within this theme.<\/li>\n<\/ul>\n<table border=\"1\" cellspacing=\"0\" cellpadding=\"6\">\n<tbody>\n<tr>\n<th>Company<\/th>\n<th>CMP (Rs)<\/th>\n<th>Growth Driver<\/th>\n<th>Sector<\/th>\n<\/tr>\n<tr>\n<td>Bajaj Finance<\/td>\n<td>&#8211;<\/td>\n<td>Strong credit rating supporting diversified low-cost funding access<\/td>\n<td>Nbfc<\/td>\n<\/tr>\n<tr>\n<td>PFC<\/td>\n<td>406.50<\/td>\n<td>Psu status supporting favourable funding cost access<\/td>\n<td>Nbfc<\/td>\n<\/tr>\n<tr>\n<td>REC Limited<\/td>\n<td>&#8211;<\/td>\n<td>Psu power financing status supporting competitive funding costs<\/td>\n<td>Nbfc<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Strong_credit_rating_supporting_diversified_low-cost_funding_access\"><\/span><strong>Bajaj Finance: Strong credit rating supporting diversified low-cost funding access<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Bajaj Finance is among the NBFC stocks with the lowest cost of funds, its strong credit rating profile, supporting diversified funding access across bonds, commercial paper and bank borrowings at competitive rates.<\/p>\n<p>Bajaj Finance&#8217;s scale and consistent asset quality have supported sustained access to lower-cost funding sources over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"PFC_Psu_status_supporting_favourable_funding_cost_access\"><\/span><strong>PFC: Psu status supporting favourable funding cost access<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>PFC is among the NBFC stocks with the lowest cost of funds, its PSU status, supporting favourable funding cost access given implicit government backing and strong credit ratings for infrastructure financing.<\/p>\n<p>PFC&#8217;s government ownership and infrastructure financing mandate provide funding cost advantages over many private sector NBFCs.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/sebi-registered-investment-advisor-india\"><strong>Get SEBI-Registered Research on NBFC Low Cost of Funds Stocks<\/strong><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"REC_Limited_Psu_power_financing_status_supporting_competitive_funding_costs\"><\/span><strong>REC Limited: Psu power financing status supporting competitive funding costs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>REC Limited is among the NBFC stocks with the lowest cost of funds, its PSU power financing status, benefiting from strong credit ratings and government backing supporting competitive borrowing costs.<\/p>\n<p>REC&#8217;s power sector financing mandate and PSU status provide funding cost advantages similar to sister company PFC.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Bajaj Finance, PFC and REC Limited live prices.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Factors_Affecting_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>Factors Affecting the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Execution track record:<\/strong> For the NBFC stocks with the lowest cost of funds, execution against disclosed plans remains the key determinant of realised growth.<\/li>\n<li><strong>Sector-wide demand trends:<\/strong> Broader demand trends across NBFC funding cost efficiency affect all three companies collectively.<\/li>\n<li><strong>Competitive intensity:<\/strong> Rising competition within NBFC funding cost efficiency could pressure margins even amid volume growth.<\/li>\n<li><strong>Input cost and supply chain factors:<\/strong> Cost and supply chain dynamics affect profitability for companies within this theme.<\/li>\n<li><strong>Policy and regulatory support:<\/strong> Government policy support toward NBFC funding cost efficiency affects the sustainability of this growth theme.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>Benefits of the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Structural growth theme exposure:<\/strong> The NBFC stocks with the lowest cost of funds provide exposure to a sustained, structural growth theme rather than a short-term cycle.<\/li>\n<li><strong>Diversified company selection:<\/strong> Spanning three companies, this list reduces single-stock concentration risk within the theme.<\/li>\n<li><strong>Established execution capability:<\/strong> These companies bring existing scale and expertise to capture growth within NBFC funding cost efficiency.<\/li>\n<li><strong>Policy-aligned positioning:<\/strong> These stocks align with broader government policy priorities supporting this sector.<\/li>\n<li><strong>Multiple growth vectors:<\/strong> Different business models across these three names offer diversified ways to capture the same broad theme.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Risks_of_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>Risks of the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Execution risk:<\/strong> These companies still need to execute disclosed plans successfully to realise growth.<\/li>\n<li><strong>Valuation considerations:<\/strong> Strong recent sector performance means current valuations may already reflect growth expectations for the NBFC stocks with the lowest cost of funds.<\/li>\n<li><strong>Competitive pressure:<\/strong> Rising competition within NBFC funding cost efficiency could affect market share and margins over time.<\/li>\n<li><strong>Cyclicality risk:<\/strong> Demand within NBFC funding cost efficiency could prove more cyclical than currently anticipated.<\/li>\n<li><strong>Broader market sentiment risk:<\/strong> Overall market conditions can affect these stocks regardless of company-specific fundamentals.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>How to Evaluate the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Among the NBFC stocks with the lowest cost of funds, compare execution track record against disclosed growth and expansion plans.<\/li>\n<li>For the NBFC stocks with the lowest cost of funds, assess competitive positioning within the broader NBFC funding cost efficiency sector.<\/li>\n<li>Track quarterly results to confirm continued execution progress.<\/li>\n<li>Consider valuation relative to growth visibility for each name.<\/li>\n<li>Combine sector-theme analysis with standard fundamental research.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Invest_in_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>How to Invest in the 3 NBFC Stocks With the Lowest Cost of Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li>Use the Univest platform to track quarterly results and expansion progress for the NBFC stocks with the lowest cost of funds.<\/li>\n<li>Open a demat and trading account with Univest for zero-brokerage execution.<\/li>\n<li>Track quarterly results for Bajaj Finance, PFC and REC Limited through the Univest app.<\/li>\n<li>Consult a SEBI-registered advisor before allocating capital to this theme.<\/li>\n<li>Review positions periodically as execution progress and sector trends evolve.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finance, PFC and REC Limited represent the NBFC stocks with the lowest cost of funds, each capturing different aspects of India&#8217;s sustained NBFC funding cost efficiency growth story. Historically, this structural theme has offered diversified exposure across multiple companies, though execution risk and valuation considerations remain important factors. Consult a SEBI-registered advisor before making investment decisions.<\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> 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).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>3 NBFC Stocks With the Lowest Cost of Funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance, PFC and REC Limited are the NBFC stocks with the lowest cost of funds.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_drives_Bajaj_Finances_growth_in_this_theme\"><\/span><strong>What drives Bajaj Finance&#8217;s growth in this theme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bajaj Finance benefits from strong credit rating supporting diversified low-cost funding access.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_drives_PFCs_growth_in_this_theme\"><\/span><strong>What drives PFC&#8217;s growth in this theme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> PFC benefits from PSU status supporting favourable funding cost access.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_drives_REC_Limiteds_growth_in_this_theme\"><\/span><strong>What drives REC Limited&#8217;s growth in this theme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> REC Limited benefits from PSU power financing status supporting competitive funding costs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_this_theme_purely_cyclical_or_structural\"><\/span><strong>Is this theme purely cyclical or structural?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The NBFC stocks with the lowest cost of funds represent a structural growth theme, though cyclicality risk remains a consideration.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_the_3_NBFC_Stocks_With_the_Lowest_Cost_of_Funds\"><\/span><strong>What risks apply to the 3 NBFC Stocks With the Lowest Cost of Funds?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Key risks include execution risk, valuation considerations, and competitive pressure within the sector.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"3 NBFC Stocks With the Lowest Cost of Funds?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bajaj Finance, PFC and REC Limited are the NBFC stocks with the lowest cost of funds.\"}},{\"@type\":\"Question\",\"name\":\"What drives Bajaj Finance's growth in this theme?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bajaj Finance benefits from strong credit rating supporting diversified low-cost funding 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