{"id":307440,"date":"2026-10-14T12:09:39","date_gmt":"2026-10-14T06:39:39","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=307440"},"modified":"2026-10-14T12:09:39","modified_gmt":"2026-10-14T06:39:39","slug":"vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/","title":{"rendered":"3 Vehicle Lender, Gold Loan Leader and Housing Finance Stocks With a Strong Future Roadmap: Cholamandalam Investment and Finance Company, Muthoot Finance and LIC Housing Finance"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Chola Rs 1,620.70, P\/E 22.95. Muthoot Finance Rs 2,626.00, P\/E 8.97. LIC Housing Rs 564.00, P\/E 5.15. 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;\">Vehicle lender, gold loan leader and housing finance stocks with the clearest long-term roadmaps today include Chola in vehicle finance, home equity and small business loans through a wide branch network, Muthoot Finance in gold loans through a very large branch network, with housing and microfinance arms and LIC Housing in home loans for salaried and self-employed borrowers, backed by the LIC group reach. FY26 revenue growth was 20.6% at Chola, 54.3% at Muthoot Finance and 2.6% at LIC Housing. P\/E stands at 22.95 for Chola (industry 17.72), 8.97 for Muthoot Finance (industry 17.72) and 5.15 for LIC 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>Vehicle lender, gold loan leader and housing finance stocks give investors exposure to loans that help vehicle 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 vehicle lender, gold loan leader and housing finance stocks: Cholamandalam Investment and Finance Company for vehicle finance, home equity and small business loans through a wide branch network, Muthoot Finance for gold loans through a very large branch network, with housing and microfinance arms and LIC Housing Finance for home loans for salaried and self-employed borrowers, backed by the LIC group reach. 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=vehicle-lender-gold-loan-leader-and-housing-finance-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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#What_Are_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks\" title=\"What Are Vehicle Lender, Gold Loan Leader and Housing Finance Stocks?\">What Are Vehicle Lender, Gold Loan Leader and Housing Finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_at_a_Glance\" title=\"Vehicle Lender, Gold Loan Leader and Housing Finance Stocks at a Glance\">Vehicle Lender, Gold Loan Leader and Housing Finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Why_Do_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Vehicle Lender, Gold Loan Leader and Housing Finance Stocks Have a Strong Roadmap in India?\">Why Do Vehicle Lender, Gold Loan Leader and Housing Finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Cholamandalam_Investment_and_Finance_Company_Vehicle_and_Small_Business_Loans_Anchor_the_Roadmap\" title=\"Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap\">Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Muthoot_Finance_Gold_Loans_and_a_Wide_Branch_Network_Anchor_the_Roadmap\" title=\"Muthoot Finance: Gold Loans and a Wide Branch Network Anchor the Roadmap\">Muthoot Finance: Gold Loans and a Wide Branch Network 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#LIC_Housing_Finance_Large_Home_Loan_Book_Builds_the_Next_Leg\" title=\"LIC Housing Finance: Large Home Loan Book Builds the Next Leg\">LIC Housing Finance: Large Home Loan Book Builds the Next Leg<\/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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Best_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_in_India_Chola_vs_Muthoot_Finance_vs_LIC_Housing_on_Key_Financials\" title=\"Best Vehicle Lender, Gold Loan Leader and Housing Finance Stocks in India: Chola vs Muthoot Finance vs LIC Housing on Key Financials\">Best Vehicle Lender, Gold Loan Leader and Housing Finance Stocks in India: Chola vs Muthoot Finance vs LIC 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#How_to_Evaluate_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Vehicle Lender, Gold Loan Leader and Housing Finance Stocks to Buy Before You Invest\">How to Evaluate Vehicle Lender, Gold Loan Leader and Housing Finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Risks_to_Consider_Before_Investing_in_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks\" title=\"Risks to Consider Before Investing in Vehicle Lender, Gold Loan Leader and Housing Finance Stocks\">Risks to Consider Before Investing in Vehicle Lender, Gold Loan Leader and Housing Finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#FAQs_on_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks\" title=\"FAQs on Vehicle Lender, Gold Loan Leader and Housing Finance Stocks\">FAQs on Vehicle Lender, Gold Loan Leader and Housing Finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Which_are_the_best_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best vehicle lender, gold loan leader and housing finance stocks in India with a strong roadmap?\">Which are the best vehicle lender, gold loan leader and housing finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Is_Cholamandalam_Investment_and_Finance_Company_a_good_stock_to_buy_now\" title=\"Is Cholamandalam Investment and Finance Company a good stock to buy now?\">Is Cholamandalam Investment and Finance Company 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#What_is_the_PE_ratio_of_Chola_Muthoot_Finance_and_LIC_Housing\" title=\"What is the P\/E ratio of Chola, Muthoot Finance and LIC Housing?\">What is the P\/E ratio of Chola, Muthoot Finance and LIC 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Which_of_these_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_has_the_highest_return_on_equity\" title=\"Which of these vehicle lender, gold loan leader and housing finance stocks has the highest return on equity?\">Which of these vehicle lender, gold loan leader and housing finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#What_are_the_risks_of_investing_in_vehicle_lender_gold_loan_leader_and_housing_finance_stocks\" title=\"What are the risks of investing in vehicle lender, gold loan leader and housing finance stocks?\">What are the risks of investing in vehicle lender, gold loan leader and housing finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#How_did_Chola_Muthoot_Finance_and_LIC_Housing_perform_in_Q1_FY27\" title=\"How did Chola, Muthoot Finance and LIC Housing perform in Q1 FY27?\">How did Chola, Muthoot Finance and LIC 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#Do_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_pay_dividends\" title=\"Do vehicle lender, gold loan leader and housing finance stocks pay dividends?\">Do vehicle lender, gold loan leader and housing finance 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\/vehicle-lender-gold-loan-leader-and-housing-finance-stocks-roadmap-leaders-roundup\/#How_can_I_invest_in_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_in_India\" title=\"How can I invest in vehicle lender, gold loan leader and housing finance stocks in India?\">How can I invest in vehicle lender, gold loan leader and housing finance stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks\"><\/span><strong>What Are Vehicle Lender, Gold Loan Leader and Housing Finance Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle lender, gold loan leader and housing finance 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=\"Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_at_a_Glance\"><\/span><strong>Vehicle Lender, Gold Loan Leader and Housing Finance 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 vehicle lender, gold loan leader and housing finance 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\/cholafin\/cholamandalam-investment-finance-company-ltd-share-price-today\">Cholamandalam Investment and Finance Company<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,620.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">131,995<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.95<\/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;\">17.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.93<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/muthootfin\/muthoot-finance-ltd-share-price-today\">Muthoot Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,626.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">102,816<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.97<\/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;\">28.01%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.02<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">564.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29,538<\/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;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.53%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.70<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among lending stocks, Chola trades at a premium to the industry P\/E, while Muthoot Finance and LIC Housing trade at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Vehicle Lender, Gold Loan Leader and Housing Finance Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vehicle lender, gold loan leader and housing finance stocks have a strong roadmap in India because vehicle sales, gold-backed borrowing and home ownership keep adding customers for these lenders. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Vehicle demand:<\/strong> Commercial and personal vehicle buyers rely on finance.<\/li>\n<li><strong>Gold loans:<\/strong> Households borrow against gold for quick funds.<\/li>\n<li><strong>Home ownership:<\/strong> Salaried and self-employed families seek home loans.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Cholamandalam_Investment_and_Finance_Company_Vehicle_and_Small_Business_Loans_Anchor_the_Roadmap\"><\/span><strong>Cholamandalam Investment and Finance Company: Vehicle and Small Business Loans Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chola&#8217;s roadmap rests on vehicle finance, home equity and small business loans delivered through a wide branch network, with demand for commercial vehicle and small business credit supporting loan growth.<\/p>\n<p>Revenue grew from Rs 10,231.81 crore in FY22 to Rs 31,538.73 crore in FY26, a 208.2% rise, and FY26 revenue was 20.6% higher than FY25. FY26 net profit rose 22.7% to Rs 5,228.88 crore. Over four years, net profit rose from Rs 2,158.89 crore in FY22 to Rs 5,228.88 crore. In Q1 FY27, revenue grew 21.8% to Rs 8,956.68 crore, and net profit rose 45.6% to Rs 1,656.22 crore.<\/p>\n<p>Debt to equity is 6.93 and return on equity is 17.18%. Chola paid a dividend of Rs 2 per share for FY26, a yield of 0.13%. At a P\/E of 22.95 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 22.95 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=\"Muthoot_Finance_Gold_Loans_and_a_Wide_Branch_Network_Anchor_the_Roadmap\"><\/span><strong>Muthoot Finance: Gold Loans and a Wide Branch Network Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Muthoot Finance&#8217;s roadmap rests on gold loans delivered through a very large branch network, with housing and microfinance arms, and with gold loan demand and a wide branch reach supporting loan growth.<\/p>\n<p>Revenue grew from Rs 12,238.16 crore in FY22 to Rs 31,263.41 crore in FY26, a 155.5% rise, and FY26 revenue was 54.3% higher than FY25. FY26 net profit was Rs 10,606.87 crore. In Q1 FY27, revenue grew 34.5% to Rs 8,694.81 crore, and net profit rose 43.1% to Rs 2,824.84 crore.<\/p>\n<p>Debt to equity is 4.02 and return on equity is 28.01%. Muthoot Finance paid a dividend of Rs 30 per share for FY26, a yield of 1.17%. At a P\/E of 8.97 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 8.97 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=\"LIC_Housing_Finance_Large_Home_Loan_Book_Builds_the_Next_Leg\"><\/span><strong>LIC Housing Finance: Large Home Loan Book Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC Housing&#8217;s roadmap rests on home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group, with a large loan book and a trusted brand supporting origination.<\/p>\n<p>Revenue grew from Rs 20,005.31 crore in FY22 to Rs 28,843.49 crore in FY26, a 44.2% rise, and FY26 revenue was 2.6% higher than FY25. FY26 net profit rose 3.0% to Rs 5,604.24 crore. Over four years, net profit rose from Rs 2,286.00 crore in FY22 to Rs 5,604.24 crore. In Q1 FY27, net profit rose 9.9% to Rs 1,499.03 crore.<\/p>\n<p>Debt to equity is 6.70 and return on equity is 13.53%. LIC Housing paid a dividend of Rs 10 per share for FY26, a yield of 1.86%. At a P\/E of 5.15 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 5.15 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_in_India_Chola_vs_Muthoot_Finance_vs_LIC_Housing_on_Key_Financials\"><\/span><strong>Best Vehicle Lender, Gold Loan Leader and Housing Finance Stocks in India: Chola vs Muthoot Finance vs LIC Housing on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best vehicle lender, gold loan leader and housing finance stocks in India, Chola leads on Q1 FY27 net profit growth; Muthoot Finance leads on FY26 revenue growth and return on equity; LIC Housing leads on the lowest P\/E and dividend yield. 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;\">Chola<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Muthoot Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">LIC 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;\">31,538.73<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">31,263.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28,843.49<\/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;\">20.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">54.3%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.6%<\/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;\">5,228.88<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,606.87<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,604.24<\/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;\">45.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">43.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.9%<\/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;\">17.18%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28.01%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.53%<\/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;\">22.95<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.97<\/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;\">Debt to equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.93<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.02<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.70<\/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;\">0.13%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.17%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.86%<\/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_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Vehicle Lender, Gold Loan Leader and Housing Finance 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 vehicle lender, gold loan leader and housing finance stocks and shortlist vehicle lender, gold loan leader and housing finance 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 vehicle lender, gold loan leader and housing finance stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks\"><\/span><strong>Risks to Consider Before Investing in Vehicle Lender, Gold Loan Leader and Housing Finance 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 Chola, Muthoot Finance and LIC 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 vehicle loans, gold loans and housing finance. Chola leads on Q1 FY27 net profit growth; Muthoot Finance leads on FY26 revenue growth and return on equity; LIC Housing leads on the lowest P\/E and dividend yield.<\/p>\n<p>Across vehicle lender, gold loan leader and housing finance 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 vehicle lender, gold loan leader and housing finance 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_Vehicle_Lender_Gold_Loan_Leader_and_Housing_Finance_Stocks\"><\/span><strong>FAQs on Vehicle Lender, Gold Loan Leader and Housing Finance Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best vehicle lender, gold loan leader and housing finance stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company, Muthoot Finance and LIC Housing Finance stand out for their roadmaps in vehicle loans, gold loans and housing finance. FY26 revenue growth was 20.6% at Chola, 54.3% at Muthoot Finance and 2.6% at LIC Housing, and return on equity ranges from 13.53% to 28.01%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Cholamandalam_Investment_and_Finance_Company_a_good_stock_to_buy_now\"><\/span><strong>Is Cholamandalam Investment and Finance Company a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company has a debt to equity ratio of 6.93, a return on equity of 17.18% and a P\/E of 22.95 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_Chola_Muthoot_Finance_and_LIC_Housing\"><\/span><strong>What is the P\/E ratio of Chola, Muthoot Finance and LIC Housing?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 22.95 for Chola (industry 17.72), 8.97 for Muthoot Finance (industry 17.72) and 5.15 for LIC Housing (industry 17.72). Only Chola trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these vehicle lender, gold loan leader and housing finance stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Muthoot Finance has the highest return on equity at 28.01%, followed by Cholamandalam Investment and Finance Company at 17.18% and LIC Housing Finance at 13.53%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_vehicle_lender_gold_loan_leader_and_housing_finance_stocks\"><\/span><strong>What are the risks of investing in vehicle lender, gold loan leader and housing finance 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_Chola_Muthoot_Finance_and_LIC_Housing_perform_in_Q1_FY27\"><\/span><strong>How did Chola, Muthoot Finance and LIC Housing perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Cholamandalam Investment and Finance Company reported revenue of Rs 8,956.68 crore, up 21.8% year on year, and net profit rose 45.6% to Rs 1,656.22 crore. Muthoot Finance reported revenue of Rs 8,694.81 crore, up 34.5% year on year, and net profit rose 43.1% to Rs 2,824.84 crore. LIC Housing Finance reported net profit rose 9.9% to Rs 1,499.03 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_pay_dividends\"><\/span><strong>Do vehicle lender, gold loan leader and housing finance 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 0.13% for Chola, 1.17% for Muthoot Finance and 1.86% for LIC Housing, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_vehicle_lender_gold_loan_leader_and_housing_finance_stocks_in_India\"><\/span><strong>How can I invest in vehicle lender, gold loan leader and housing finance stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy vehicle lender, gold loan leader and housing finance 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 vehicle lender, gold loan leader and housing finance stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cholamandalam Investment and Finance Company, Muthoot Finance and LIC Housing Finance stand out for their roadmaps in vehicle loans, gold loans and housing finance. 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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>Cholamandalam Investment and Finance Company, Muthoot Finance and LIC Housing Finance compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":28,"featured_media":307439,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10579,12028,12029,10588,7474,12027],"class_list":["post-307440","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-cholamandalam-investment-and-finance-company","tag-gold-loan-leader-and-housing-finance-stocks","tag-gold-loan-leader-and-housing-finance-stocks-to-buy","tag-lic-housing-finance","tag-muthoot-finance","tag-vehicle-lender"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["307439"],"rank_math_title":["Vehicle Lender, Gold Loan Leader and Housing Finance Stocks"],"rank_math_description":["Vehicle lender, gold loan leader and housing finance stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["vehicle lender, gold loan leader and housing finance 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-vehicle-lender-gold-loan-leader-and-housing-finance-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307440","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\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=307440"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307440\/revisions"}],"predecessor-version":[{"id":307441,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/307440\/revisions\/307441"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/307439"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=307440"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=307440"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=307440"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}