{"id":312026,"date":"2026-10-16T09:36:25","date_gmt":"2026-10-16T04:06:25","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=312026"},"modified":"2026-10-16T09:36:25","modified_gmt":"2026-10-16T04:06:25","slug":"state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/","title":{"rendered":"3 State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks With a Strong Future Roadmap: Bank of Maharashtra, Aptus Value Housing Finance India and AK Capital Services"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Bank of Maharashtra Rs 83.10, P\/E 8.37. Aptus Rs 221.40, P\/E 11.03. AK Capital Rs 1,752.40, P\/E 9.66. 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;\">State-owned bank, self-employed home lender and merchant banker stocks with the clearest long-term roadmaps today include Bank of Maharashtra in retail, MSME and agriculture lending through a public sector bank with a strong base in Maharashtra, Aptus in home loans for self-employed and low-income households, mainly in South India and AK Capital in merchant banking, debt capital market services, broking and lending. FY26 revenue growth was 15.6% at Bank of Maharashtra, 24.9% at Aptus and 18.4% at AK Capital. P\/E stands at 8.37 for Bank of Maharashtra (industry 12.00), 11.03 for Aptus (industry 17.72) and 9.66 for AK Capital (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>State-owned bank, self-employed home lender and merchant banker stocks give investors exposure to banking, home loans and capital raising for households and firms. Credit growth, funding costs and fee income decide how much of that demand turns into profit.<\/p>\n<p>This list covers three state-owned bank, self-employed home lender and merchant banker stocks: Bank of Maharashtra for retail, MSME and agriculture lending through a public sector bank with a strong base in Maharashtra, Aptus Value Housing Finance India for home loans for self-employed and low-income households, mainly in South India and AK Capital Services for merchant banking, debt capital market services, broking and lending. 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=state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#What_Are_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks\" title=\"What Are State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks?\">What Are State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_at_a_Glance\" title=\"State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks at a Glance\">State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Why_Do_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks Have a Strong Roadmap in India?\">Why Do State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Bank_of_Maharashtra_Maharashtra_Deposit_Strength_Drives_the_Pipeline\" title=\"Bank of Maharashtra: Maharashtra Deposit Strength Drives the Pipeline\">Bank of Maharashtra: Maharashtra Deposit Strength Drives the Pipeline<\/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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Aptus_Value_Housing_Finance_India_Affordable_Home_Loans_Drive_the_Pipeline\" title=\"Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline\">Aptus Value Housing Finance India: Affordable Home Loans Drive 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#AK_Capital_Services_Merchant_Banking_and_Lending_Anchor_the_Roadmap\" title=\"AK Capital Services: Merchant Banking and Lending Anchor the Roadmap\">AK Capital Services: Merchant Banking and Lending Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Best_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_in_India_Bank_of_Maharashtra_vs_Aptus_vs_AK_Capital_on_Key_Financials\" title=\"Best State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks in India: Bank of Maharashtra vs Aptus vs AK Capital on Key Financials\">Best State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks in India: Bank of Maharashtra vs Aptus vs AK Capital 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#How_to_Evaluate_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks to Buy Before You Invest\">How to Evaluate State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Risks_to_Consider_Before_Investing_in_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks\" title=\"Risks to Consider Before Investing in State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks\">Risks to Consider Before Investing in State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#FAQs_on_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks\" title=\"FAQs on State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks\">FAQs on State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Which_are_the_best_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best state-owned bank, self-employed home lender and merchant banker stocks in India with a strong roadmap?\">Which are the best state-owned bank, self-employed home lender and merchant banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Is_Bank_of_Maharashtra_a_good_stock_to_buy_now\" title=\"Is Bank of Maharashtra a good stock to buy now?\">Is Bank of Maharashtra 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#What_is_the_PE_ratio_of_Bank_of_Maharashtra_Aptus_and_AK_Capital\" title=\"What is the P\/E ratio of Bank of Maharashtra, Aptus and AK Capital?\">What is the P\/E ratio of Bank of Maharashtra, Aptus and AK Capital?<\/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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Which_of_these_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_has_the_highest_return_on_equity\" title=\"Which of these state-owned bank, self-employed home lender and merchant banker stocks has the highest return on equity?\">Which of these state-owned bank, self-employed home lender and merchant banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#What_are_the_risks_of_investing_in_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks\" title=\"What are the risks of investing in state-owned bank, self-employed home lender and merchant banker stocks?\">What are the risks of investing in state-owned bank, self-employed home lender and merchant banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#How_did_Bank_of_Maharashtra_Aptus_and_AK_Capital_perform_in_Q1_FY27\" title=\"How did Bank of Maharashtra, Aptus and AK Capital perform in Q1 FY27?\">How did Bank of Maharashtra, Aptus and AK Capital 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#Do_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_pay_dividends\" title=\"Do state-owned bank, self-employed home lender and merchant banker stocks pay dividends?\">Do state-owned bank, self-employed home lender and merchant banker 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\/state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-roadmap-frontier-list\/#How_can_I_invest_in_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_in_India\" title=\"How can I invest in state-owned bank, self-employed home lender and merchant banker stocks in India?\">How can I invest in state-owned bank, self-employed home lender and merchant banker stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks\"><\/span><strong>What Are State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>State-owned bank, self-employed home lender and merchant banker stocks are shares of companies that lend, insure or take deposits for households and businesses. Results depend on credit 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=\"State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_at_a_Glance\"><\/span><strong>State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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 state-owned bank, self-employed home lender and merchant banker 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;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/mahabank\/bank-of-maharashtra-share-price-today\">Bank of Maharashtra<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">83.10<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">63,109<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.37<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.24%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/aptus\/aptus-value-housing-finance-india-ltd-share-price-today\">Aptus Value Housing Finance India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">221.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10,863<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/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;\">18.64%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/akcapit\/ak-capital-services-ltd-share-price-today\">AK Capital Services<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,752.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,143<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.66<\/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;\">10.55%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and finance stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>State-owned bank, self-employed home lender and merchant banker stocks have a strong roadmap in India because strong credit demand, home ownership among the self-employed and corporate bond issuance keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Credit demand:<\/strong> Retail and small business borrowers keep growing.<\/li>\n<li><strong>Home loans:<\/strong> Self-employed families seek formal housing finance.<\/li>\n<li><strong>Bond issuance:<\/strong> Companies raise more money through debt markets.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Bank_of_Maharashtra_Maharashtra_Deposit_Strength_Drives_the_Pipeline\"><\/span><strong>Bank of Maharashtra: Maharashtra Deposit Strength Drives the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Bank of Maharashtra&#8217;s roadmap rests on retail, MSME and agriculture lending through a public sector bank with a strong base in Maharashtra, with steady deposit growth supporting the loan book.<\/p>\n<p>Revenue grew from Rs 15,672.17 crore in FY22 to Rs 32,823.72 crore in FY26, a 109.4% rise, and FY26 revenue was 15.6% higher than FY25. FY26 net profit rose 26.6% to Rs 7,016.86 crore. In Q1 FY27, revenue grew 15.0% to Rs 9,063.53 crore, and net profit rose 26.8% to Rs 2,020.54 crore.<\/p>\n<p>Return on equity is 22.24%. Bank of Maharashtra paid a dividend of Rs 1.2 per share for FY26, a yield of 1.46%. At a P\/E of 8.37 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 8.37 against an industry P\/E of 12.00 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Aptus_Value_Housing_Finance_India_Affordable_Home_Loans_Drive_the_Pipeline\"><\/span><strong>Aptus Value Housing Finance India: Affordable Home Loans Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aptus&#8217; roadmap rests on home loans for self-employed and low-income households, mainly in South India, with a focused customer segment supporting steady loan growth.<\/p>\n<p>Revenue grew from Rs 840.22 crore in FY22 to Rs 2,245.48 crore in FY26, a 167.2% rise, and FY26 revenue was 24.9% higher than FY25. FY26 net profit rose 25.5% to Rs 942.94 crore. Over four years, net profit rose from Rs 370.14 crore in FY22 to Rs 942.94 crore. In Q1 FY27, revenue grew 15.2% to Rs 610.66 crore, and net profit rose 19.0% to Rs 260.94 crore.<\/p>\n<p>Debt to equity is 1.56 and return on equity is 18.64%. Aptus paid a dividend of Rs 4.5 per share for FY26, a yield of 2.07%. At a P\/E of 11.03 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 11.03 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=\"AK_Capital_Services_Merchant_Banking_and_Lending_Anchor_the_Roadmap\"><\/span><strong>AK Capital Services: Merchant Banking and Lending Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>AK Capital&#8217;s roadmap rests on merchant banking, debt capital market services, broking and lending, with several fee and interest income lines supporting earnings.<\/p>\n<p>Revenue grew from Rs 322.89 crore in FY22 to Rs 573.02 crore in FY26, a 77.5% rise, and FY26 revenue was 18.4% higher than FY25. FY26 net profit rose 30.9% to Rs 114.04 crore. Over four years, net profit rose from Rs 83.01 crore in FY22 to Rs 114.04 crore. In Q1 FY27, revenue grew 4.2% to Rs 140.27 crore, and net profit rose 18.2% to Rs 28.27 crore.<\/p>\n<p>Debt to equity is 2.95 and return on equity is 10.55%. AK Capital paid a dividend of Rs 60 per share for FY26, a yield of 3.46%. At a P\/E of 9.66 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 9.66 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_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_in_India_Bank_of_Maharashtra_vs_Aptus_vs_AK_Capital_on_Key_Financials\"><\/span><strong>Best State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks in India: Bank of Maharashtra vs Aptus vs AK Capital on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best state-owned bank, self-employed home lender and merchant banker stocks in India, Bank of Maharashtra leads on Q1 FY27 net profit growth and return on equity; Aptus leads on FY26 revenue growth and Q1 FY27 revenue growth; AK Capital leads on FY26 net profit growth 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;\">Bank of Maharashtra<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aptus<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">AK Capital<\/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;\">32,823.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,245.48<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">573.02<\/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;\">15.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.4%<\/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;\">7,016.86<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">942.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">114.04<\/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;\">26.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.9%<\/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;\">15.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4.2%<\/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;\">26.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.2%<\/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;\">22.24%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.64%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.55%<\/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;\">8.37<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.66<\/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;\">1.46%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.07%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.46%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Financial earnings follow credit 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_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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 state-owned bank, self-employed home lender and merchant banker stocks and shortlist state-owned bank, self-employed home lender and merchant banker stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which differs by company 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 capital adequacy and asset quality before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these state-owned bank, self-employed home lender and merchant banker stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks\"><\/span><strong>Risks to Consider Before Investing in State-Owned Bank, Self-Employed Home Lender and Merchant Banker 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 Bank of Maharashtra, Aptus and AK Capital 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 banking and finance stocks cover a state-owned bank, home loans and merchant banking. Bank of Maharashtra leads on Q1 FY27 net profit growth and return on equity; Aptus leads on FY26 revenue growth and Q1 FY27 revenue growth; AK Capital leads on FY26 net profit growth and dividend yield.<\/p>\n<p>Across state-owned bank, self-employed home lender and merchant banker 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 state-owned bank, self-employed home lender and merchant banker 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_State-Owned_Bank_Self-Employed_Home_Lender_and_Merchant_Banker_Stocks\"><\/span><strong>FAQs on State-Owned Bank, Self-Employed Home Lender and Merchant Banker Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best state-owned bank, self-employed home lender and merchant banker stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra, Aptus Value Housing Finance India and AK Capital Services stand out for their roadmaps in a state-owned bank, home loans and merchant banking. FY26 revenue growth was 15.6% at Bank of Maharashtra, 24.9% at Aptus and 18.4% at AK Capital, and return on equity ranges from 10.55% to 22.24%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Bank_of_Maharashtra_a_good_stock_to_buy_now\"><\/span><strong>Is Bank of Maharashtra a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra has a return on equity of 22.24% and a P\/E of 8.37 against an industry P\/E of 12.00. 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_Bank_of_Maharashtra_Aptus_and_AK_Capital\"><\/span><strong>What is the P\/E ratio of Bank of Maharashtra, Aptus and AK Capital?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 8.37 for Bank of Maharashtra (industry 12.00), 11.03 for Aptus (industry 17.72) and 9.66 for AK Capital (industry 17.72). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these state-owned bank, self-employed home lender and merchant banker stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra has the highest return on equity at 22.24%, followed by Aptus Value Housing Finance India at 18.64% and AK Capital Services at 10.55%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks\"><\/span><strong>What are the risks of investing in state-owned bank, self-employed home lender and merchant banker 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_Bank_of_Maharashtra_Aptus_and_AK_Capital_perform_in_Q1_FY27\"><\/span><strong>How did Bank of Maharashtra, Aptus and AK Capital perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Bank of Maharashtra reported revenue of Rs 9,063.53 crore, up 15.0% year on year, and net profit rose 26.8% to Rs 2,020.54 crore. Aptus Value Housing Finance India reported revenue of Rs 610.66 crore, up 15.2% year on year, and net profit rose 19.0% to Rs 260.94 crore. AK Capital Services reported revenue of Rs 140.27 crore, up 4.2% year on year, and net profit rose 18.2% to Rs 28.27 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_pay_dividends\"><\/span><strong>Do state-owned bank, self-employed home lender and merchant banker 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 1.46% for Bank of Maharashtra, 2.07% for Aptus and 3.46% for AK Capital, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_state-owned_bank_self-employed_home_lender_and_merchant_banker_stocks_in_India\"><\/span><strong>How can I invest in state-owned bank, self-employed home lender and merchant banker stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy state-owned bank, self-employed home lender and merchant banker 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 state-owned bank, self-employed home lender and merchant banker stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra, Aptus Value Housing Finance India and AK Capital Services stand out for their roadmaps in a state-owned bank, home loans and merchant banking. FY26 revenue growth was 15.6% at Bank of Maharashtra, 24.9% at Aptus and 18.4% at AK Capital, and return on equity ranges from 10.55% to 22.24%.\"}},{\"@type\":\"Question\",\"name\":\"Is Bank of Maharashtra a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra has a return on equity of 22.24% and a P\/E of 8.37 against an industry P\/E of 12.00. 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 Bank of Maharashtra, Aptus and AK Capital?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 8.37 for Bank of Maharashtra (industry 12.00), 11.03 for Aptus (industry 17.72) and 9.66 for AK Capital (industry 17.72). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these state-owned bank, self-employed home lender and merchant banker stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra has the highest return on equity at 22.24%, followed by Aptus Value Housing Finance India at 18.64% and AK Capital Services at 10.55%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in state-owned bank, self-employed home lender and merchant banker 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 Bank of Maharashtra, Aptus and AK Capital perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank of Maharashtra reported revenue of Rs 9,063.53 crore, up 15.0% year on year, and net profit rose 26.8% to Rs 2,020.54 crore. Aptus Value Housing Finance India reported revenue of Rs 610.66 crore, up 15.2% year on year, and net profit rose 19.0% to Rs 260.94 crore. AK Capital Services reported revenue of Rs 140.27 crore, up 4.2% year on year, and net profit rose 18.2% to Rs 28.27 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do state-owned bank, self-employed home lender and merchant banker stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 1.46% for Bank of Maharashtra, 2.07% for Aptus and 3.46% for AK Capital, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in state-owned bank, self-employed home lender and merchant banker stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy state-owned bank, self-employed home lender and merchant banker 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>Bank of Maharashtra, Aptus Value Housing Finance India and AK Capital Services compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":38,"featured_media":312022,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10968,10587,717,12578,12579,12286],"class_list":["post-312026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-ak-capital-services","tag-aptus-value-housing-finance-india","tag-bank-of-maharashtra","tag-self-employed-home-lender-and-merchant-banker-stocks","tag-self-employed-home-lender-and-merchant-banker-stocks-to-buy","tag-state-owned-bank"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["312022"],"rank_math_title":["State Bank, Self-Employed Home Lender and Banker Stocks"],"rank_math_description":["State-owned bank, self-employed home lender and merchant banker stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["state-owned bank, self-employed home lender and merchant banker 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-state-owned-bank-self-employed-home-lender-and-merchant-banker-stocks-with-a.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312026","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=312026"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312026\/revisions"}],"predecessor-version":[{"id":312027,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312026\/revisions\/312027"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/312022"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=312026"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=312026"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=312026"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}