{"id":308956,"date":"2026-10-15T09:25:47","date_gmt":"2026-10-15T03:55:47","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=308956"},"modified":"2026-10-15T09:25:47","modified_gmt":"2026-10-15T03:55:47","slug":"home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/","title":{"rendered":"3 Home and Gold Loan, Financial Group and Power Financier Stocks With a Strong Future Roadmap: IIFL Finance, Bajaj Finserv and Power Finance Corporation"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>IIFL Finance Rs 594.85, P\/E 10.93. Bajaj Finserv Rs 1,721.70, P\/E 13.26. PFC Rs 344.50. Closing prices of 14 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;\">Home and gold loan, financial group and power financier stocks with the clearest long-term roadmaps today include IIFL Finance in home loans, gold loans, business loans and microfinance, Bajaj Finserv in lending, general insurance, life insurance and asset management through group companies and PFC in lending to power generation, transmission, distribution and renewable energy projects. FY26 revenue growth was 30.6% at IIFL Finance, 13.2% at Bajaj Finserv and 8.4% at PFC. P\/E stands at 10.93 for IIFL Finance (industry 17.72) and 13.26 for Bajaj Finserv (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>Home and gold loan, financial group and power financier stocks give investors exposure to loans and financial services that help households, small firms and power projects. Loan growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three home and gold loan, financial group and power financier stocks: IIFL Finance for home loans, gold loans, business loans and microfinance, Bajaj Finserv for lending, general insurance, life insurance and asset management through group companies and Power Finance Corporation for lending to power generation, transmission, distribution and renewable energy projects. Every figure comes from the latest reported financials and the 14 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=home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\"><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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#What_Are_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks\" title=\"What Are Home and Gold Loan, Financial Group and Power Financier Stocks?\">What Are Home and Gold Loan, Financial Group and Power Financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_at_a_Glance\" title=\"Home and Gold Loan, Financial Group and Power Financier Stocks at a Glance\">Home and Gold Loan, Financial Group and Power Financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Why_Do_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Home and Gold Loan, Financial Group and Power Financier Stocks Have a Strong Roadmap in India?\">Why Do Home and Gold Loan, Financial Group and Power Financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#IIFL_Finance_Gold_Home_and_Business_Loans_Build_the_Next_Leg\" title=\"IIFL Finance: Gold, Home and Business Loans Build the Next Leg\">IIFL Finance: Gold, Home and Business Loans Build the Next Leg<\/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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Bajaj_Finserv_Lending_and_Insurance_Arms_Anchor_the_Roadmap\" title=\"Bajaj Finserv: Lending and Insurance Arms Anchor the Roadmap\">Bajaj Finserv: Lending and Insurance Arms 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Power_Finance_Corporation_Power_Sector_Lending_Builds_the_Next_Leg\" title=\"Power Finance Corporation: Power Sector Lending Builds the Next Leg\">Power Finance Corporation: Power Sector Lending 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Best_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_in_India_IIFL_Finance_vs_Bajaj_Finserv_vs_PFC_on_Key_Financials\" title=\"Best Home and Gold Loan, Financial Group and Power Financier Stocks in India: IIFL Finance vs Bajaj Finserv vs PFC on Key Financials\">Best Home and Gold Loan, Financial Group and Power Financier Stocks in India: IIFL Finance vs Bajaj Finserv vs PFC 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#How_to_Evaluate_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Home and Gold Loan, Financial Group and Power Financier Stocks to Buy Before You Invest\">How to Evaluate Home and Gold Loan, Financial Group and Power Financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Risks_to_Consider_Before_Investing_in_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks\" title=\"Risks to Consider Before Investing in Home and Gold Loan, Financial Group and Power Financier Stocks\">Risks to Consider Before Investing in Home and Gold Loan, Financial Group and Power Financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#FAQs_on_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks\" title=\"FAQs on Home and Gold Loan, Financial Group and Power Financier Stocks\">FAQs on Home and Gold Loan, Financial Group and Power Financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Which_are_the_best_home_and_gold_loan_financial_group_and_power_financier_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best home and gold loan, financial group and power financier stocks in India with a strong roadmap?\">Which are the best home and gold loan, financial group and power financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Is_IIFL_Finance_a_good_stock_to_buy_now\" title=\"Is IIFL Finance a good stock to buy now?\">Is IIFL 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#What_is_the_PE_ratio_of_IIFL_Finance_Bajaj_Finserv_and_PFC\" title=\"What is the P\/E ratio of IIFL Finance, Bajaj Finserv and PFC?\">What is the P\/E ratio of IIFL Finance, Bajaj Finserv and PFC?<\/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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Which_of_these_home_and_gold_loan_financial_group_and_power_financier_stocks_has_the_highest_return_on_equity\" title=\"Which of these home and gold loan, financial group and power financier stocks has the highest return on equity?\">Which of these home and gold loan, financial group and power financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#What_are_the_risks_of_investing_in_home_and_gold_loan_financial_group_and_power_financier_stocks\" title=\"What are the risks of investing in home and gold loan, financial group and power financier stocks?\">What are the risks of investing in home and gold loan, financial group and power financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#How_did_IIFL_Finance_Bajaj_Finserv_and_PFC_perform_in_Q1_FY27\" title=\"How did IIFL Finance, Bajaj Finserv and PFC perform in Q1 FY27?\">How did IIFL Finance, Bajaj Finserv and PFC 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#Do_home_and_gold_loan_financial_group_and_power_financier_stocks_pay_dividends\" title=\"Do home and gold loan, financial group and power financier stocks pay dividends?\">Do home and gold loan, financial group and power financier 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\/home-and-gold-loan-financial-group-and-power-financier-stocks-roadmap-lens-list\/#How_can_I_invest_in_home_and_gold_loan_financial_group_and_power_financier_stocks_in_India\" title=\"How can I invest in home and gold loan, financial group and power financier stocks in India?\">How can I invest in home and gold loan, financial group and power financier stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks\"><\/span><strong>What Are Home and Gold Loan, Financial Group and Power Financier Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Home and gold loan, financial group and power financier 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=\"Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_at_a_Glance\"><\/span><strong>Home and Gold Loan, Financial Group and Power Financier 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 home and gold loan, financial group and power financier stocks as of the 14 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;\">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\/iifl\/iifl-holdings-ltd-share-price-today\">IIFL Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">594.85<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24,646<\/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;\">11.93%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.01<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/bajajfinsv\/bajaj-finserv-ltd-share-price-today\">Bajaj Finserv<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,721.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">273,600<\/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;\">12.58%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.52<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/pfc\/power-finance-corporation-ltd-share-price-today\">Power Finance Corporation<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">344.50<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">106,758<\/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;\">18.22%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.00<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among lending stocks, both trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Home and Gold Loan, Financial Group and Power Financier Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Home and gold loan, financial group and power financier stocks have a strong roadmap in India because home ownership, rising insurance cover and power sector investment keep adding customers for these lenders. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Retail credit:<\/strong> Households seek home and gold loans for large needs.<\/li>\n<li><strong>Group breadth:<\/strong> Insurance and asset management add fee income.<\/li>\n<li><strong>Power investment:<\/strong> Generation and grid projects need long-term funds.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"IIFL_Finance_Gold_Home_and_Business_Loans_Build_the_Next_Leg\"><\/span><strong>IIFL Finance: Gold, Home and Business Loans Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IIFL Finance&#8217;s roadmap rests on gold loans, home loans and business loans across a large branch network, with a retail-focused loan mix supporting growth.<\/p>\n<p>Revenue grew from Rs 7,023.61 crore in FY22 to Rs 13,373.83 crore in FY26, a 90.4% rise, and FY26 revenue was 30.6% higher than FY25. FY26 net profit was Rs 1,816.70 crore. In Q1 FY27, revenue grew 32.5% to Rs 3,921.88 crore.<\/p>\n<p>Debt to equity is 5.01 and return on equity is 11.93%. IIFL Finance paid a dividend of Rs 4 per share for FY26, a yield of 0.69%. At a P\/E of 10.93 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 10.93 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=\"Bajaj_Finserv_Lending_and_Insurance_Arms_Anchor_the_Roadmap\"><\/span><strong>Bajaj Finserv: Lending and Insurance Arms Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bajaj Finserv&#8217;s roadmap rests on a financial holding company with stakes in consumer and SME lending, life insurance and general insurance, with its lending and insurance arms supporting earnings.<\/p>\n<p>Revenue grew from Rs 68,438.98 crore in FY22 to Rs 150,530.38 crore in FY26, a 119.9% rise, and FY26 revenue was 13.2% higher than FY25. FY26 net profit rose 12.0% to Rs 19,669.47 crore. Over four years, net profit rose from Rs 8,313.53 crore in FY22 to Rs 19,669.47 crore. In Q1 FY27, revenue grew 19.1% to Rs 42,036.90 crore, and net profit rose 18.2% to Rs 6,296.67 crore.<\/p>\n<p>Debt to equity is 5.52 and return on equity is 12.58%. Bajaj Finserv paid a dividend of Rs 1.5 per share for FY26, a yield of 0.09%. At a P\/E of 13.26 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 13.26 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=\"Power_Finance_Corporation_Power_Sector_Lending_Builds_the_Next_Leg\"><\/span><strong>Power Finance Corporation: Power Sector Lending Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>PFC&#8217;s roadmap rests on lending to power generation, transmission, distribution and renewable energy projects, with power sector investment supporting its loan book.<\/p>\n<p>Revenue grew from Rs 76,344.92 crore in FY22 to Rs 115,533.18 crore in FY26, a 51.3% rise, and FY26 revenue was 8.4% higher than FY25. FY26 net profit rose 10.2% to Rs 33,625.34 crore. Over four years, net profit rose from Rs 18,768.21 crore in FY22 to Rs 33,625.34 crore.<\/p>\n<p>Debt to equity is 7.00 and return on equity is 18.22%.<\/p>\n<p>What to watch: Return on equity of 18.22% is the figure to follow as growth continues.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_in_India_IIFL_Finance_vs_Bajaj_Finserv_vs_PFC_on_Key_Financials\"><\/span><strong>Best Home and Gold Loan, Financial Group and Power Financier Stocks in India: IIFL Finance vs Bajaj Finserv vs PFC on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best home and gold loan, financial group and power financier stocks in India, IIFL Finance leads on FY26 revenue growth and the lowest debt to equity; Bajaj Finserv ranks second on FY26 revenue growth and return on equity; PFC leads on 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;\">IIFL Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Bajaj Finserv<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">PFC<\/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;\">13,373.83<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">150,530.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">115,533.18<\/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;\">30.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.4%<\/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;\">1,816.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19,669.47<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33,625.34<\/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;\">11.93%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.58%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.22%<\/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;\">5.01<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.52<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.00<\/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_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Home and Gold Loan, Financial Group and Power Financier 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 home and gold loan, financial group and power financier stocks and shortlist home and gold loan, financial group and power financier 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 home and gold loan, financial group and power financier stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks\"><\/span><strong>Risks to Consider Before Investing in Home and Gold Loan, Financial Group and Power Financier 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 IIFL Finance, Bajaj Finserv and PFC 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<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 home and gold loans, a diversified financial group and power sector financing. IIFL Finance leads on FY26 revenue growth and the lowest debt to equity; Bajaj Finserv ranks second on FY26 revenue growth and return on equity; PFC leads on return on equity.<\/p>\n<p>Across home and gold loan, financial group and power financier 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 home and gold loan, financial group and power financier 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_Home_and_Gold_Loan_Financial_Group_and_Power_Financier_Stocks\"><\/span><strong>FAQs on Home and Gold Loan, Financial Group and Power Financier Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_home_and_gold_loan_financial_group_and_power_financier_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best home and gold loan, financial group and power financier stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IIFL Finance, Bajaj Finserv and Power Finance Corporation stand out for their roadmaps in home and gold loans, a diversified financial group and power sector financing. FY26 revenue growth was 30.6% at IIFL Finance, 13.2% at Bajaj Finserv and 8.4% at PFC, and return on equity ranges from 11.93% to 18.22%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_IIFL_Finance_a_good_stock_to_buy_now\"><\/span><strong>Is IIFL Finance a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IIFL Finance has a debt to equity ratio of 5.01, a return on equity of 11.93% and a P\/E of 10.93 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_IIFL_Finance_Bajaj_Finserv_and_PFC\"><\/span><strong>What is the P\/E ratio of IIFL Finance, Bajaj Finserv and PFC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 10.93 for IIFL Finance (industry 17.72) and 13.26 for Bajaj Finserv (industry 17.72). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_home_and_gold_loan_financial_group_and_power_financier_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these home and gold loan, financial group and power financier stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Power Finance Corporation has the highest return on equity at 18.22%, followed by Bajaj Finserv at 12.58% and IIFL Finance at 11.93%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_home_and_gold_loan_financial_group_and_power_financier_stocks\"><\/span><strong>What are the risks of investing in home and gold loan, financial group and power financier 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_IIFL_Finance_Bajaj_Finserv_and_PFC_perform_in_Q1_FY27\"><\/span><strong>How did IIFL Finance, Bajaj Finserv and PFC perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IIFL Finance reported revenue of Rs 3,921.88 crore, up 32.5% year on year. Bajaj Finserv reported revenue of Rs 42,036.90 crore, up 19.1% year on year, and net profit rose 18.2% to Rs 6,296.67 crore. Power Finance Corporation reported .<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_home_and_gold_loan_financial_group_and_power_financier_stocks_pay_dividends\"><\/span><strong>Do home and gold loan, financial group and power financier stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IIFL Finance and Bajaj Finserv pay dividends. The dividend yield is 0.69% for IIFL Finance and 0.09% for Bajaj Finserv, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_home_and_gold_loan_financial_group_and_power_financier_stocks_in_India\"><\/span><strong>How can I invest in home and gold loan, financial group and power financier stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy home and gold loan, financial group and power financier 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 home and gold loan, financial group and power financier stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IIFL Finance, Bajaj Finserv and Power Finance Corporation stand out for their roadmaps in home and gold loans, a diversified financial group and power sector financing. FY26 revenue growth was 30.6% at IIFL Finance, 13.2% at Bajaj Finserv and 8.4% at PFC, and return on equity ranges from 11.93% to 18.22%.\"}},{\"@type\":\"Question\",\"name\":\"Is IIFL Finance a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IIFL Finance has a debt to equity ratio of 5.01, a return on equity of 11.93% and a P\/E of 10.93 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 IIFL Finance, Bajaj Finserv and PFC?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 10.93 for IIFL Finance (industry 17.72) and 13.26 for Bajaj Finserv (industry 17.72). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these home and gold loan, financial group and power financier stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Power Finance Corporation has the highest return on equity at 18.22%, followed by Bajaj Finserv at 12.58% and IIFL Finance at 11.93%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in home and gold loan, financial group and power financier 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 IIFL Finance, Bajaj Finserv and PFC perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IIFL Finance reported revenue of Rs 3,921.88 crore, up 32.5% year on year. Bajaj Finserv reported revenue of Rs 42,036.90 crore, up 19.1% year on year, and net profit rose 18.2% to Rs 6,296.67 crore. Power Finance Corporation reported .\"}},{\"@type\":\"Question\",\"name\":\"Do home and gold loan, financial group and power financier stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IIFL Finance and Bajaj Finserv pay dividends. The dividend yield is 0.69% for IIFL Finance and 0.09% for Bajaj Finserv, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in home and gold loan, financial group and power financier stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy home and gold loan, financial group and power financier 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>IIFL Finance, Bajaj Finserv and Power Finance Corporation compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":29,"featured_media":308954,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[7472,12198,12199,12197,5895,10958],"class_list":["post-308956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-bajaj-finserv","tag-financial-group-and-power-financier-stocks","tag-financial-group-and-power-financier-stocks-to-buy","tag-home-and-gold-loan","tag-iifl-finance","tag-power-finance-corporation"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["308954"],"rank_math_title":["Home and Gold Loan, Financial Group and Power Stocks"],"rank_math_description":["Home and gold loan, financial group and power financier stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["home and gold loan, financial group and power financier 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-home-and-gold-loan-financial-group-and-power-financier-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/308956","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\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=308956"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/308956\/revisions"}],"predecessor-version":[{"id":308957,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/308956\/revisions\/308957"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/308954"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=308956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=308956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=308956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}