{"id":307428,"date":"2026-10-14T12:07:56","date_gmt":"2026-10-14T06:37:56","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=307428"},"modified":"2026-10-14T12:07:56","modified_gmt":"2026-10-14T06:37:56","slug":"transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/","title":{"rendered":"3 Transport Financier, Group Lender and Mortgage Lender Stocks With a Strong Future Roadmap: Shriram Finance, Tata Capital and PNB Housing Finance"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Shriram Finance Rs 988.00, P\/E 19.13. Tata Capital Rs 327.65, P\/E 24.41. PNB Housing Rs 1,224.80, P\/E 12.95. Closing prices of 13 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;\">Transport financier, group lender and mortgage lender stocks with the clearest long-term roadmaps today include Shriram Finance in commercial vehicle, used vehicle, small business and gold loans, Tata Capital in retail, SME and corporate lending across personal, vehicle, home and business loans and PNB Housing in home loans, loan against property and affordable housing loans. FY26 revenue growth was 15.1% at Shriram Finance, 11.3% at Tata Capital and 10.6% at PNB Housing. P\/E stands at 19.13 for Shriram Finance (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 12.95 for PNB Housing (industry 17.72). 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>Transport financier, group lender and mortgage lender stocks give investors exposure to loans that help truck owners, households and home buyers. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three transport financier, group lender and mortgage lender stocks: Shriram Finance for commercial vehicle, used vehicle, small business and gold loans, Tata Capital for retail, SME and corporate lending across personal, vehicle, home and business loans and PNB Housing Finance for home loans, loan against property and affordable housing loans. Every figure comes from the latest reported financials and the 13 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=transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\"><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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#What_Are_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks\" title=\"What Are Transport Financier, Group Lender and Mortgage Lender Stocks?\">What Are Transport Financier, Group Lender and Mortgage Lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_at_a_Glance\" title=\"Transport Financier, Group Lender and Mortgage Lender Stocks at a Glance\">Transport Financier, Group Lender and Mortgage Lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Why_Do_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Transport Financier, Group Lender and Mortgage Lender Stocks Have a Strong Roadmap in India?\">Why Do Transport Financier, Group Lender and Mortgage Lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Shriram_Finance_Commercial_Vehicle_Finance_Anchors_the_Roadmap\" title=\"Shriram Finance: Commercial Vehicle Finance Anchors the Roadmap\">Shriram Finance: Commercial Vehicle Finance Anchors 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Tata_Capital_A_Diversified_Loan_Mix_Drives_the_Pipeline\" title=\"Tata Capital: A Diversified Loan Mix Drives the Pipeline\">Tata Capital: A Diversified Loan Mix Drives the Pipeline<\/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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#PNB_Housing_Finance_Home_Loan_Growth_Anchors_the_Roadmap\" title=\"PNB Housing Finance: Home Loan Growth Anchors the Roadmap\">PNB Housing Finance: Home Loan Growth Anchors the Roadmap<\/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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Best_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_in_India_Shriram_Finance_vs_Tata_Capital_vs_PNB_Housing_on_Key_Financials\" title=\"Best Transport Financier, Group Lender and Mortgage Lender Stocks in India: Shriram Finance vs Tata Capital vs PNB Housing on Key Financials\">Best Transport Financier, Group Lender and Mortgage Lender Stocks in India: Shriram Finance vs Tata Capital vs PNB Housing 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#How_to_Evaluate_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Transport Financier, Group Lender and Mortgage Lender Stocks to Buy Before You Invest\">How to Evaluate Transport Financier, Group Lender and Mortgage Lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Risks_to_Consider_Before_Investing_in_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks\" title=\"Risks to Consider Before Investing in Transport Financier, Group Lender and Mortgage Lender Stocks\">Risks to Consider Before Investing in Transport Financier, Group Lender and Mortgage Lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#FAQs_on_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks\" title=\"FAQs on Transport Financier, Group Lender and Mortgage Lender Stocks\">FAQs on Transport Financier, Group Lender and Mortgage Lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Which_are_the_best_transport_financier_group_lender_and_mortgage_lender_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best transport financier, group lender and mortgage lender stocks in India with a strong roadmap?\">Which are the best transport financier, group lender and mortgage lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Is_Shriram_Finance_a_good_stock_to_buy_now\" title=\"Is Shriram Finance a good stock to buy now?\">Is Shriram Finance 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#What_is_the_PE_ratio_of_Shriram_Finance_Tata_Capital_and_PNB_Housing\" title=\"What is the P\/E ratio of Shriram Finance, Tata Capital and PNB Housing?\">What is the P\/E ratio of Shriram Finance, Tata Capital and PNB Housing?<\/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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Which_of_these_transport_financier_group_lender_and_mortgage_lender_stocks_has_the_highest_return_on_equity\" title=\"Which of these transport financier, group lender and mortgage lender stocks has the highest return on equity?\">Which of these transport financier, group lender and mortgage lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#What_are_the_risks_of_investing_in_transport_financier_group_lender_and_mortgage_lender_stocks\" title=\"What are the risks of investing in transport financier, group lender and mortgage lender stocks?\">What are the risks of investing in transport financier, group lender and mortgage lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#How_did_Shriram_Finance_Tata_Capital_and_PNB_Housing_perform_in_Q1_FY27\" title=\"How did Shriram Finance, Tata Capital and PNB Housing perform in Q1 FY27?\">How did Shriram Finance, Tata Capital and PNB Housing 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#Do_transport_financier_group_lender_and_mortgage_lender_stocks_pay_dividends\" title=\"Do transport financier, group lender and mortgage lender stocks pay dividends?\">Do transport financier, group lender and mortgage lender 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\/transport-financier-group-lender-and-mortgage-lender-stocks-roadmap-leaders-roundup\/#How_can_I_invest_in_transport_financier_group_lender_and_mortgage_lender_stocks_in_India\" title=\"How can I invest in transport financier, group lender and mortgage lender stocks in India?\">How can I invest in transport financier, group lender and mortgage lender stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks\"><\/span><strong>What Are Transport Financier, Group Lender and Mortgage Lender Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Transport financier, group lender and mortgage lender stocks are shares of companies that lend to households, small businesses and projects. Results depend on loan growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_at_a_Glance\"><\/span><strong>Transport Financier, Group Lender and Mortgage Lender 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 transport financier, group lender and mortgage lender stocks as of the 13 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<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Debt to Equity<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/shriramfin\/shriram-transport-finance-company-ltd-share-price-today\">Shriram Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">988.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">216,480<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.13<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.21%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.80<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/tatacap\/tata-capital-ltd-share-price-today\">Tata Capital<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">327.65<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">133,756<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.57%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/pnbhousing\/pnb-housing-finance-ltd-share-price-today\">PNB Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,224.80<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29,992<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.92%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.70<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among lending stocks, Shriram Finance and Tata Capital trade at a premium to the industry P\/E, while PNB Housing trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Transport Financier, Group Lender and Mortgage Lender Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Transport financier, group lender and mortgage lender stocks have a strong roadmap in India because freight activity, group-backed retail credit and home ownership keep adding customers for these lenders. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Freight activity:<\/strong> Truck owners rely on trusted financiers.<\/li>\n<li><strong>Retail credit:<\/strong> Households and SMEs seek formal loans.<\/li>\n<li><strong>Home ownership:<\/strong> Families seek home loans and loans against property.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Shriram_Finance_Commercial_Vehicle_Finance_Anchors_the_Roadmap\"><\/span><strong>Shriram Finance: Commercial Vehicle Finance Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Shriram Finance&#8217;s roadmap rests on commercial vehicle, used vehicle, small business and gold loans for customers that banks often serve less, with demand for transport and small business credit supporting loan growth.<\/p>\n<p>Revenue grew from Rs 19,274.23 crore in FY22 to Rs 48,192.65 crore in FY26, a 150.0% rise, and FY26 revenue was 15.1% higher than FY25. FY26 net profit rose 6.2% to Rs 10,004.20 crore. Over four years, net profit rose from Rs 2,707.93 crore in FY22 to Rs 10,004.20 crore. In Q1 FY27, revenue grew 16.3% to Rs 13,418.74 crore, and net profit rose 60.0% to Rs 3,447.26 crore.<\/p>\n<p>Debt to equity is 3.80 and return on equity is 15.21%. Shriram Finance paid a dividend of Rs 10.8 per share for FY26, a yield of 0.94%. At a P\/E of 19.13 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 19.13 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tata_Capital_A_Diversified_Loan_Mix_Drives_the_Pipeline\"><\/span><strong>Tata Capital: A Diversified Loan Mix Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tata Capital&#8217;s roadmap rests on lending to retail, SME and corporate borrowers across personal, vehicle, home and business loans, with a diversified loan mix supporting growth.<\/p>\n<p>Revenue grew from Rs 10,311.41 crore in FY22 to Rs 31,582.62 crore in FY26, a 206.3% rise, and FY26 revenue was 11.3% higher than FY25. FY26 net profit rose 33.8% to Rs 4,890.91 crore. Over four years, net profit rose from Rs 1,800.81 crore in FY22 to Rs 4,890.91 crore. In Q1 FY27, revenue grew 14.7% to Rs 8,825.38 crore, and net profit rose 56.4% to Rs 1,628.18 crore.<\/p>\n<p>Debt to equity is 5.15 and return on equity is 10.57%. Tata Capital paid a dividend of Rs 0.57 per share for FY26, a yield of 0.18%. At a P\/E of 24.41 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 24.41 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PNB_Housing_Finance_Home_Loan_Growth_Anchors_the_Roadmap\"><\/span><strong>PNB Housing Finance: Home Loan Growth Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PNB Housing&#8217;s roadmap rests on home loans, loan against property and affordable housing loans through a pan-India branch network, with housing credit demand supporting loan growth.<\/p>\n<p>Revenue grew from Rs 6,200.73 crore in FY22 to Rs 8,505.04 crore in FY26, a 37.2% rise, and FY26 revenue was 10.6% higher than FY25. FY26 net profit rose 18.3% to Rs 2,291.24 crore. Over four years, net profit rose from Rs 836.48 crore in FY22 to Rs 2,291.24 crore. In Q1 FY27, revenue grew 8.8% to Rs 2,265.36 crore, and net profit rose 4.5% to Rs 557.34 crore.<\/p>\n<p>Debt to equity is 3.70 and return on equity is 11.92%. PNB Housing paid a dividend of Rs 8 per share for FY26, a yield of 0.69%. At a P\/E of 12.95 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 12.95 against an industry P\/E of 17.72 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_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_in_India_Shriram_Finance_vs_Tata_Capital_vs_PNB_Housing_on_Key_Financials\"><\/span><strong>Best Transport Financier, Group Lender and Mortgage Lender Stocks in India: Shriram Finance vs Tata Capital vs PNB Housing on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best transport financier, group lender and mortgage lender stocks in India, Shriram Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; Tata Capital leads on FY26 net profit growth; PNB Housing leads on the lowest P\/E and the lowest debt to 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;\">Shriram Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Tata Capital<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">PNB Housing<\/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;\">48,192.65<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31,582.62<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8,505.04<\/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;\">15.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.6%<\/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;\">10,004.20<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,890.91<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,291.24<\/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;\">6.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.8%<\/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;\">60.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">56.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.5%<\/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;\">15.21%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.57%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.92%<\/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;\">19.13<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.95<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.80<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.70<\/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;\">0.94%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.69%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Lender earnings follow loan growth, funding costs 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_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Transport Financier, Group Lender and Mortgage Lender 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 transport financier, group lender and mortgage lender stocks and shortlist transport financier, group lender and mortgage lender stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which is 17.72 for all three here.<\/li>\n<li>Check loan growth, asset quality and capital adequacy 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 debt to equity and interest cover 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 transport financier, group lender and mortgage lender stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks\"><\/span><strong>Risks to Consider Before Investing in Transport Financier, Group Lender and Mortgage Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Asset quality:<\/strong> A rise in overdue loans can reduce profit.<\/li>\n<li><strong>Funding costs:<\/strong> Changes in borrowing costs can move 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 Shriram Finance, Tata Capital and PNB Housing live.<\/em><\/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 lending stocks cover transport loans, group-backed lending and mortgage finance. Shriram Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; Tata Capital leads on FY26 net profit growth; PNB Housing leads on the lowest P\/E and the lowest debt to equity.<\/p>\n<p>Across transport financier, group lender and mortgage lender 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 transport financier, group lender and mortgage lender 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_Transport_Financier_Group_Lender_and_Mortgage_Lender_Stocks\"><\/span><strong>FAQs on Transport Financier, Group Lender and Mortgage Lender Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_transport_financier_group_lender_and_mortgage_lender_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best transport financier, group lender and mortgage lender stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Shriram Finance, Tata Capital and PNB Housing Finance stand out for their roadmaps in transport loans, group-backed lending and mortgage finance. FY26 revenue growth was 15.1% at Shriram Finance, 11.3% at Tata Capital and 10.6% at PNB Housing, and return on equity ranges from 10.57% to 15.21%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Shriram_Finance_a_good_stock_to_buy_now\"><\/span><strong>Is Shriram Finance a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Shriram Finance has a debt to equity ratio of 3.80, a return on equity of 15.21% and a P\/E of 19.13 against an industry P\/E of 17.72. Valuation, asset quality and funding costs 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_Shriram_Finance_Tata_Capital_and_PNB_Housing\"><\/span><strong>What is the P\/E ratio of Shriram Finance, Tata Capital and PNB Housing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 19.13 for Shriram Finance (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 12.95 for PNB Housing (industry 17.72). Only Shriram Finance and Tata Capital trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_transport_financier_group_lender_and_mortgage_lender_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these transport financier, group lender and mortgage lender stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Shriram Finance has the highest return on equity at 15.21%, followed by PNB Housing Finance at 11.92% and Tata Capital at 10.57%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_transport_financier_group_lender_and_mortgage_lender_stocks\"><\/span><strong>What are the risks of investing in transport financier, group lender and mortgage lender stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Shriram_Finance_Tata_Capital_and_PNB_Housing_perform_in_Q1_FY27\"><\/span><strong>How did Shriram Finance, Tata Capital and PNB Housing perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Shriram Finance reported revenue of Rs 13,418.74 crore, up 16.3% year on year, and net profit rose 60.0% to Rs 3,447.26 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore. PNB Housing Finance reported revenue of Rs 2,265.36 crore, up 8.8% year on year, and net profit rose 4.5% to Rs 557.34 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_transport_financier_group_lender_and_mortgage_lender_stocks_pay_dividends\"><\/span><strong>Do transport financier, group lender and mortgage lender stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 0.94% for Shriram Finance, 0.18% for Tata Capital and 0.69% for PNB Housing, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_transport_financier_group_lender_and_mortgage_lender_stocks_in_India\"><\/span><strong>How can I invest in transport financier, group lender and mortgage lender stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy transport financier, group lender and mortgage lender 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 transport financier, group lender and mortgage lender stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Shriram Finance, Tata Capital and PNB Housing Finance stand out for their roadmaps in transport loans, group-backed lending and mortgage finance. FY26 revenue growth was 15.1% at Shriram Finance, 11.3% at Tata Capital and 10.6% at PNB Housing, and return on equity ranges from 10.57% to 15.21%.\"}},{\"@type\":\"Question\",\"name\":\"Is Shriram Finance a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Shriram Finance has a debt to equity ratio of 3.80, a return on equity of 15.21% and a P\/E of 19.13 against an industry P\/E of 17.72. Valuation, asset quality and funding costs move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.\"}},{\"@type\":\"Question\",\"name\":\"What is the P\/E ratio of Shriram Finance, Tata Capital and PNB Housing?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 19.13 for Shriram Finance (industry 17.72), 24.41 for Tata Capital (industry 17.72) and 12.95 for PNB Housing (industry 17.72). Only Shriram Finance and Tata Capital trade at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these transport financier, group lender and mortgage lender stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Shriram Finance has the highest return on equity at 15.21%, followed by PNB Housing Finance at 11.92% and Tata Capital at 10.57%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in transport financier, group lender and mortgage lender stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did Shriram Finance, Tata Capital and PNB Housing perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Shriram Finance reported revenue of Rs 13,418.74 crore, up 16.3% year on year, and net profit rose 60.0% to Rs 3,447.26 crore. Tata Capital reported revenue of Rs 8,825.38 crore, up 14.7% year on year, and net profit rose 56.4% to Rs 1,628.18 crore. PNB Housing Finance reported revenue of Rs 2,265.36 crore, up 8.8% year on year, and net profit rose 4.5% to Rs 557.34 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do transport financier, group lender and mortgage lender stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 0.94% for Shriram Finance, 0.18% for Tata Capital and 0.69% for PNB Housing, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in transport financier, group lender and mortgage lender stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy transport financier, group lender and mortgage lender 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.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Shriram Finance, Tata Capital and PNB Housing Finance compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":38,"featured_media":307427,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[12016,12017,6065,4870,1240,12015],"class_list":["post-307428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-group-lender-and-mortgage-lender-stocks","tag-group-lender-and-mortgage-lender-stocks-to-buy","tag-pnb-housing-finance","tag-shriram-finance","tag-tata-capital","tag-transport-financier"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["307427"],"rank_math_title":["Transport Financier, Group Lender and Mortgage Lender Stocks"],"rank_math_description":["Transport financier, group lender and mortgage lender stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["transport financier, group lender and mortgage lender 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-transport-financier-group-lender-and-mortgage-lender-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307428","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\/38"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=307428"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307428\/revisions"}],"predecessor-version":[{"id":307429,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307428\/revisions\/307429"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/307427"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=307428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=307428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=307428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}