{"id":304517,"date":"2026-10-13T10:47:34","date_gmt":"2026-10-13T05:17:34","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=304517"},"modified":"2026-10-13T10:47:34","modified_gmt":"2026-10-13T05:17:34","slug":"nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/","title":{"rendered":"3 NRI, Retail Deposit and Corporate Banking Stocks With a Strong Future Roadmap: Federal Bank, HDFC Bank and IDBI Bank"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Federal Bank Rs 328.20, P\/E 16.38. HDFC Bank Rs 704.90, P\/E 12.94. IDBI Bank Rs 82.91, P\/E 9.57. Closing prices of 12 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">NRI, retail deposit and corporate banking stocks with the clearest long-term roadmaps today include Federal Bank in retail, MSME and NRI-linked banking from Kerala to the rest of India, HDFC Bank in retail and corporate banking with a very wide deposit base and IDBI Bank in retail and corporate banking with a growing deposit franchise. FY26 revenue growth was 7.0% at Federal Bank, 5.2% at HDFC Bank and 4.6% at IDBI Bank. P\/E stands at 16.38 for Federal Bank (industry 12.00), 12.94 for HDFC Bank (industry 12.00) and 9.57 for IDBI Bank (industry 12.00). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>NRI, retail deposit and corporate banking stocks give investors exposure to deposits and loans for households, overseas Indians, small firms and large companies. Deposit costs, credit growth and asset quality decide how much of that reach turns into profit.<\/p>\n<p>This list covers three NRI, retail deposit and corporate banking stocks: Federal Bank for retail, MSME and NRI-linked banking from Kerala to the rest of India, HDFC Bank for retail and corporate banking with a very wide deposit base and IDBI Bank for retail and corporate banking with a growing deposit franchise. Every figure comes from the latest reported financials and the 12 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#What_Are_NRI_Retail_Deposit_and_Corporate_Banking_Stocks\" title=\"What Are NRI, Retail Deposit and Corporate Banking Stocks?\">What Are NRI, Retail Deposit and Corporate Banking Stocks?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#NRI_Retail_Deposit_and_Corporate_Banking_Stocks_at_a_Glance\" title=\"NRI, Retail Deposit and Corporate Banking Stocks at a Glance\">NRI, Retail Deposit and Corporate Banking Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Why_Do_NRI_Retail_Deposit_and_Corporate_Banking_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do NRI, Retail Deposit and Corporate Banking Stocks Have a Strong Roadmap in India?\">Why Do NRI, Retail Deposit and Corporate Banking Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Federal_Bank_NRI_and_Retail_Banking_Anchor_the_Roadmap\" title=\"Federal Bank: NRI and Retail Banking Anchor the Roadmap\">Federal Bank: NRI and Retail Banking Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#HDFC_Bank_Deposit_Franchise_and_Retail_Lending_Anchor_the_Roadmap\" title=\"HDFC Bank: Deposit Franchise and Retail Lending Anchor the Roadmap\">HDFC Bank: Deposit Franchise and Retail Lending Anchor the Roadmap<\/a><\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\" title=\"IDBI Bank: Retail and Corporate Banking Drive the Pipeline\">IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Best_NRI_Retail_Deposit_and_Corporate_Banking_Stocks_in_India_Federal_Bank_vs_HDFC_Bank_vs_IDBI_Bank_on_Key_Financials\" title=\"Best NRI, Retail Deposit and Corporate Banking Stocks in India: Federal Bank vs HDFC Bank vs IDBI Bank on Key Financials\">Best NRI, Retail Deposit and Corporate Banking Stocks in India: Federal Bank vs HDFC Bank vs IDBI Bank on Key Financials<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#How_to_Evaluate_NRI_Retail_Deposit_and_Corporate_Banking_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate NRI, Retail Deposit and Corporate Banking Stocks to Buy Before You Invest\">How to Evaluate NRI, Retail Deposit and Corporate Banking Stocks to Buy Before You Invest<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Risks_to_Consider_Before_Investing_in_NRI_Retail_Deposit_and_Corporate_Banking_Stocks\" title=\"Risks to Consider Before Investing in NRI, Retail Deposit and Corporate Banking Stocks\">Risks to Consider Before Investing in NRI, Retail Deposit and Corporate Banking Stocks<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#FAQs_on_NRI_Retail_Deposit_and_Corporate_Banking_Stocks\" title=\"FAQs on NRI, Retail Deposit and Corporate Banking Stocks\">FAQs on NRI, Retail Deposit and Corporate Banking Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Which_are_the_best_NRI_retail_deposit_and_corporate_banking_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best NRI, retail deposit and corporate banking stocks in India with a strong roadmap?\">Which are the best NRI, retail deposit and corporate banking stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Is_Federal_Bank_a_good_stock_to_buy_now\" title=\"Is Federal Bank a good stock to buy now?\">Is Federal Bank a good stock to buy now?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#What_is_the_PE_ratio_of_Federal_Bank_HDFC_Bank_and_IDBI_Bank\" title=\"What is the P\/E ratio of Federal Bank, HDFC Bank and IDBI Bank?\">What is the P\/E ratio of Federal Bank, HDFC Bank and IDBI Bank?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Which_of_these_NRI_retail_deposit_and_corporate_banking_stocks_has_the_highest_return_on_equity\" title=\"Which of these NRI, retail deposit and corporate banking stocks has the highest return on equity?\">Which of these NRI, retail deposit and corporate banking stocks has the highest return on equity?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#What_are_the_risks_of_investing_in_NRI_retail_deposit_and_corporate_banking_stocks\" title=\"What are the risks of investing in NRI, retail deposit and corporate banking stocks?\">What are the risks of investing in NRI, retail deposit and corporate banking stocks?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#How_did_Federal_Bank_HDFC_Bank_and_IDBI_Bank_perform_in_Q1_FY27\" title=\"How did Federal Bank, HDFC Bank and IDBI Bank perform in Q1 FY27?\">How did Federal Bank, HDFC Bank and IDBI Bank perform in Q1 FY27?<\/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\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#Do_NRI_retail_deposit_and_corporate_banking_stocks_pay_dividends\" title=\"Do NRI, retail deposit and corporate banking stocks pay dividends?\">Do NRI, retail deposit and corporate banking stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/nri-retail-deposit-and-corporate-banking-stocks-forward-view-shortlist\/#How_can_I_invest_in_NRI_retail_deposit_and_corporate_banking_stocks_in_India\" title=\"How can I invest in NRI, retail deposit and corporate banking stocks in India?\">How can I invest in NRI, retail deposit and corporate banking stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_NRI_Retail_Deposit_and_Corporate_Banking_Stocks\"><\/span><strong>What Are NRI, Retail Deposit and Corporate Banking Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>NRI, retail deposit and corporate banking stocks are shares of companies that take deposits and lend to retail, small business and corporate borrowers. Results depend on deposit costs, credit growth and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"NRI_Retail_Deposit_and_Corporate_Banking_Stocks_at_a_Glance\"><\/span><strong>NRI, Retail Deposit and Corporate Banking Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three NRI, retail deposit and corporate banking stocks as of the 12 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/federalbnk\/the-federal-bank-ltd-share-price-today\">Federal Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">328.20<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">79,324<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.17%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/hdfcbank\/hdfc-bank-ltd-share-price-today\">HDFC Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">704.90<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,067,892<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.14%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/idbi\/idbi-bank-ltd-share-price-today\">IDBI Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">82.91<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">89,460<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.39%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking stocks, Federal Bank and HDFC Bank trade at a premium to the industry P\/E, while IDBI Bank trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_NRI_Retail_Deposit_and_Corporate_Banking_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do NRI, Retail Deposit and Corporate Banking Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>NRI, retail deposit and corporate banking stocks have a strong roadmap in India because stable deposit bases, cleaner balance sheets and steady credit demand support earnings at banks with wide customer reach. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Deposit strength:<\/strong> Retail and NRI deposits bring in stable funds.<\/li>\n<li><strong>Cleaner books:<\/strong> Lower bad loans leave more earnings for growth.<\/li>\n<li><strong>Credit demand:<\/strong> Retail, MSME and corporate loans keep growing.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_NRI_and_Retail_Banking_Anchor_the_Roadmap\"><\/span><strong>Federal Bank: NRI and Retail Banking Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Federal Bank&#8217;s roadmap rests on retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, with remittance flows and retail lending supporting growth.<\/p>\n<p>Revenue grew from Rs 16,502.46 crore in FY22 to Rs 34,272.42 crore in FY26, a 107.7% rise, and FY26 revenue was 7.0% higher than FY25. FY26 net profit rose 6.7% to Rs 4,483.38 crore. Over four years, net profit rose from Rs 1,965.40 crore in FY22 to Rs 4,483.38 crore. In Q1 FY27, revenue grew 7.5% to Rs 8,943.11 crore, and net profit rose 37.1% to Rs 1,297.61 crore.<\/p>\n<p>Return on equity is 12.17%. Federal Bank paid a dividend of Rs 1.2 per share for FY26, a yield of 0.37%. At a P\/E of 16.38 against an industry P\/E of 12.00, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 16.38 sits above the industry P\/E of 12.00, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"HDFC_Bank_Deposit_Franchise_and_Retail_Lending_Anchor_the_Roadmap\"><\/span><strong>HDFC Bank: Deposit Franchise and Retail Lending Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HDFC Bank&#8217;s roadmap rests on retail and corporate banking with the country&#8217;s widest private-sector deposit base, with branch additions and the merged mortgage book supporting loan growth.<\/p>\n<p>FY26 revenue was Rs 495,462.81 crore, 5.2% higher than FY25. FY26 net profit rose 7.9% to Rs 79,219.46 crore. Over four years, net profit rose from Rs 38,150.90 crore in FY22 to Rs 79,219.46 crore. In Q1 FY27, net profit rose 19.3% to Rs 20,382.69 crore.<\/p>\n<p>Return on equity is 13.14%. HDFC Bank paid a dividend of Rs 15.5 per share for FY26, a yield of 2.23%. At a P\/E of 12.94 against an industry P\/E of 12.00, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 12.94 is a modest premium to the industry P\/E of 12.00, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\"><\/span><strong>IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IDBI Bank&#8217;s roadmap rests on retail and corporate banking with a growing deposit franchise, with loan growth and a cleaner balance sheet supporting earnings.<\/p>\n<p>Revenue grew from Rs 23,235.02 crore in FY22 to Rs 35,631.19 crore in FY26, a 53.4% rise, and FY26 revenue was 4.6% higher than FY25. FY26 net profit rose 20.6% to Rs 9,236.61 crore. Over four years, net profit rose from Rs 2,557.07 crore in FY22 to Rs 9,236.61 crore. In Q1 FY27, revenue grew 1.6% to Rs 8,633.28 crore, and net profit rose 5.3% to Rs 2,130.57 crore.<\/p>\n<p>Return on equity is 15.39%. At a P\/E of 9.57 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.57 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_NRI_Retail_Deposit_and_Corporate_Banking_Stocks_in_India_Federal_Bank_vs_HDFC_Bank_vs_IDBI_Bank_on_Key_Financials\"><\/span><strong>Best NRI, Retail Deposit and Corporate Banking Stocks in India: Federal Bank vs HDFC Bank vs IDBI Bank on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best NRI, retail deposit and corporate banking stocks in India, Federal Bank leads on FY26 revenue growth and Q1 FY27 net profit growth; HDFC Bank leads on dividend yield; IDBI Bank leads on FY26 net profit growth and return on equity. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Federal Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">HDFC Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">IDBI Bank<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">34,272.42<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">495,462.81<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">35,631.19<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,483.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">79,219.46<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9,236.61<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.6%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">37.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.17%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.14%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.39%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.37%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.23%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.00%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Bank earnings follow deposit costs, credit growth and asset quality, so full-year numbers and quarterly trends together give a better view.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Evaluate_NRI_Retail_Deposit_and_Corporate_Banking_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate NRI, Retail Deposit and Corporate Banking Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen NRI, retail deposit and corporate banking stocks and shortlist NRI, retail deposit and corporate banking stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 12.00 for all three here.<\/li>\n<li>Check gross NPA, capital adequacy and profit growth together.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch capital adequacy and asset quality before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these NRI, retail deposit and corporate banking stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_NRI_Retail_Deposit_and_Corporate_Banking_Stocks\"><\/span><strong>Risks to Consider Before Investing in NRI, Retail Deposit and Corporate Banking Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Asset quality:<\/strong> A rise in bad loans can reduce profit.<\/li>\n<li><strong>Rate cycles:<\/strong> Changes in policy rates can move deposit costs and spreads.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\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&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Federal Bank, HDFC Bank and IDBI Bank live.<\/em><\/p>\n<p>Annual reports and quarterly result presentations are the most reliable places to verify the numbers quoted here, because they show segment details, management commentary and the notes behind each figure.<\/p>\n<p>Comparing a quarter with the same quarter of the previous year gives a cleaner reading than comparing it with the preceding quarter, since seasonal patterns affect many businesses in India.<\/p>\n<p>The shareholding pattern published every quarter shows whether promoters, mutual funds and foreign investors are raising or trimming their holdings, which adds useful context to the financial numbers.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three banking stocks cover retail deposits, NRI business and corporate lending. Federal Bank leads on FY26 revenue growth and Q1 FY27 net profit growth; HDFC Bank leads on dividend yield; IDBI Bank leads on FY26 net profit growth and return on equity.<\/p>\n<p>Across NRI, retail deposit and corporate banking 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 NRI, retail deposit and corporate banking stocks to buy discussed here.<\/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<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_NRI_Retail_Deposit_and_Corporate_Banking_Stocks\"><\/span><strong>FAQs on NRI, Retail Deposit and Corporate Banking Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_NRI_retail_deposit_and_corporate_banking_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best NRI, retail deposit and corporate banking stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank, HDFC Bank and IDBI Bank stand out for their roadmaps in retail deposits, NRI business and corporate lending. FY26 revenue growth was 7.0% at Federal Bank, 5.2% at HDFC Bank and 4.6% at IDBI Bank, and return on equity ranges from 12.17% to 15.39%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Federal_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is Federal Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank has a return on equity of 12.17% and a P\/E of 16.38 against an industry P\/E of 12.00. Valuation, asset quality and rate cycles move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Federal_Bank_HDFC_Bank_and_IDBI_Bank\"><\/span><strong>What is the P\/E ratio of Federal Bank, HDFC Bank and IDBI Bank?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 16.38 for Federal Bank (industry 12.00), 12.94 for HDFC Bank (industry 12.00) and 9.57 for IDBI Bank (industry 12.00). Only Federal Bank and HDFC Bank trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_NRI_retail_deposit_and_corporate_banking_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these NRI, retail deposit and corporate banking stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank has the highest return on equity at 15.39%, followed by HDFC Bank at 13.14% and Federal Bank at 12.17%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_NRI_retail_deposit_and_corporate_banking_stocks\"><\/span><strong>What are the risks of investing in NRI, retail deposit and corporate banking stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, rate cycles and quarterly trends. A rise in bad loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Federal_Bank_HDFC_Bank_and_IDBI_Bank_perform_in_Q1_FY27\"><\/span><strong>How did Federal Bank, HDFC Bank and IDBI Bank perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank reported revenue of Rs 8,943.11 crore, up 7.5% year on year, and net profit rose 37.1% to Rs 1,297.61 crore. HDFC Bank reported net profit rose 19.3% to Rs 20,382.69 crore. IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_NRI_retail_deposit_and_corporate_banking_stocks_pay_dividends\"><\/span><strong>Do NRI, retail deposit and corporate banking stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank and HDFC Bank pay dividends. The dividend yield is 0.37% for Federal Bank and 2.23% for HDFC Bank, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_NRI_retail_deposit_and_corporate_banking_stocks_in_India\"><\/span><strong>How can I invest in NRI, retail deposit and corporate banking stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy NRI, retail deposit and corporate banking stocks through a demat and trading account on NSE or BSE after checking each company&#8217;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.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best NRI, retail deposit and corporate banking stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank, HDFC Bank and IDBI Bank stand out for their roadmaps in retail deposits, NRI business and corporate lending. FY26 revenue growth was 7.0% at Federal Bank, 5.2% at HDFC Bank and 4.6% at IDBI Bank, and return on equity ranges from 12.17% to 15.39%.\"}},{\"@type\":\"Question\",\"name\":\"Is Federal Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank has a return on equity of 12.17% and a P\/E of 16.38 against an industry P\/E of 12.00. Valuation, asset quality and rate cycles move results. 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Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Federal Bank, HDFC Bank and IDBI Bank compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":34,"featured_media":304516,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[716,208,11257,11564,11565,11566],"class_list":["post-304517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-federal-bank","tag-hdfc-bank","tag-idbi-bank","tag-nri","tag-retail-deposit-and-corporate-banking-stocks","tag-retail-deposit-and-corporate-banking-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["304516"],"rank_math_title":["NRI, Retail Deposit and Corporate Banking Stocks"],"rank_math_description":["NRI, retail deposit and corporate banking stocks with a strong roadmap: Federal Bank, HDFC Bank and IDBI Bank compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["NRI, retail deposit and corporate banking stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-nri-retail-deposit-and-corporate-banking-stocks-with-a-strong-future-roadmap.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/304517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=304517"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/304517\/revisions"}],"predecessor-version":[{"id":304518,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/304517\/revisions\/304518"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/304516"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=304517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=304517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=304517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}