{"id":312609,"date":"2026-10-16T10:20:10","date_gmt":"2026-10-16T04:50:10","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=312609"},"modified":"2026-10-16T10:20:10","modified_gmt":"2026-10-16T04:50:10","slug":"largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/","title":{"rendered":"3 Largest Lender, Self-Employed Housing and Life Cover Stocks With a Strong Future Roadmap: State Bank of India, Aptus Value Housing Finance India and HDFC Life Insurance Company"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>SBI Rs 960.00, P\/E 9.68. Aptus Rs 224.21, P\/E 11.03. HDFC Life Rs 550.55, P\/E 59.96. 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;\">Largest lender, self-employed housing and life cover stocks with the clearest long-term roadmaps today include SBI in the largest lending franchise in India, with retail, corporate and international banking backed by a very wide branch and digital network, Aptus in home loans for self-employed and low-income households, mainly in South India and HDFC Life in life insurance covering protection, savings, annuity and group products. FY26 revenue growth was 7.4% at SBI, 24.9% at Aptus and 3.1% at HDFC Life. P\/E stands at 9.68 for SBI (industry 12.00), 11.03 for Aptus (industry 17.72) and 59.96 for HDFC Life (industry 10.30). 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>Largest lender, self-employed housing and life cover stocks give investors exposure to banking, home loans and insurance cover for households. Credit growth, funding costs and policy sales decide how much of that demand turns into profit.<\/p>\n<p>This list covers three largest lender, self-employed housing and life cover stocks: State Bank of India for the largest lending franchise in India, with retail, corporate and international banking backed by a very wide branch and digital network, Aptus Value Housing Finance India for home loans for self-employed and low-income households, mainly in South India and HDFC Life Insurance Company for life insurance covering protection, savings, annuity and group products. 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=largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#What_Are_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks\" title=\"What Are Largest Lender, Self-Employed Housing and Life Cover Stocks?\">What Are Largest Lender, Self-Employed Housing and Life Cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_at_a_Glance\" title=\"Largest Lender, Self-Employed Housing and Life Cover Stocks at a Glance\">Largest Lender, Self-Employed Housing and Life Cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Why_Do_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Largest Lender, Self-Employed Housing and Life Cover Stocks Have a Strong Roadmap in India?\">Why Do Largest Lender, Self-Employed Housing and Life Cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#State_Bank_of_India_Indias_Largest_Lender_Anchors_the_Roadmap\" title=\"State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap\">State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#HDFC_Life_Insurance_Company_Life_Insurance_Premiums_Anchor_the_Roadmap\" title=\"HDFC Life Insurance Company: Life Insurance Premiums Anchor the Roadmap\">HDFC Life Insurance Company: Life Insurance Premiums 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Best_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_in_India_SBI_vs_Aptus_vs_HDFC_Life_on_Key_Financials\" title=\"Best Largest Lender, Self-Employed Housing and Life Cover Stocks in India: SBI vs Aptus vs HDFC Life on Key Financials\">Best Largest Lender, Self-Employed Housing and Life Cover Stocks in India: SBI vs Aptus vs HDFC Life 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#How_to_Evaluate_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Largest Lender, Self-Employed Housing and Life Cover Stocks to Buy Before You Invest\">How to Evaluate Largest Lender, Self-Employed Housing and Life Cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Risks_to_Consider_Before_Investing_in_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks\" title=\"Risks to Consider Before Investing in Largest Lender, Self-Employed Housing and Life Cover Stocks\">Risks to Consider Before Investing in Largest Lender, Self-Employed Housing and Life Cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#FAQs_on_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks\" title=\"FAQs on Largest Lender, Self-Employed Housing and Life Cover Stocks\">FAQs on Largest Lender, Self-Employed Housing and Life Cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Which_are_the_best_largest_lender_self-employed_housing_and_life_cover_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best largest lender, self-employed housing and life cover stocks in India with a strong roadmap?\">Which are the best largest lender, self-employed housing and life cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Is_State_Bank_of_India_a_good_stock_to_buy_now\" title=\"Is State Bank of India a good stock to buy now?\">Is State Bank of India 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#What_is_the_PE_ratio_of_SBI_Aptus_and_HDFC_Life\" title=\"What is the P\/E ratio of SBI, Aptus and HDFC Life?\">What is the P\/E ratio of SBI, Aptus and HDFC Life?<\/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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Which_of_these_largest_lender_self-employed_housing_and_life_cover_stocks_has_the_highest_return_on_equity\" title=\"Which of these largest lender, self-employed housing and life cover stocks has the highest return on equity?\">Which of these largest lender, self-employed housing and life cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#What_are_the_risks_of_investing_in_largest_lender_self-employed_housing_and_life_cover_stocks\" title=\"What are the risks of investing in largest lender, self-employed housing and life cover stocks?\">What are the risks of investing in largest lender, self-employed housing and life cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#How_did_SBI_Aptus_and_HDFC_Life_perform_in_Q1_FY27\" title=\"How did SBI, Aptus and HDFC Life perform in Q1 FY27?\">How did SBI, Aptus and HDFC Life 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#Do_largest_lender_self-employed_housing_and_life_cover_stocks_pay_dividends\" title=\"Do largest lender, self-employed housing and life cover stocks pay dividends?\">Do largest lender, self-employed housing and life cover 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\/largest-lender-self-employed-housing-and-life-cover-stocks-roadmap-gateway-list\/#How_can_I_invest_in_largest_lender_self-employed_housing_and_life_cover_stocks_in_India\" title=\"How can I invest in largest lender, self-employed housing and life cover stocks in India?\">How can I invest in largest lender, self-employed housing and life cover stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks\"><\/span><strong>What Are Largest Lender, Self-Employed Housing and Life Cover Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Largest lender, self-employed housing and life cover 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=\"Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_at_a_Glance\"><\/span><strong>Largest Lender, Self-Employed Housing and Life Cover 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 largest lender, self-employed housing and life cover 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\/sbin\/state-bank-of-india-share-price-today\">State Bank of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">960.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">868,292<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.68<\/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;\">14.29%<\/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;\">224.21<\/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\/hdfclife\/hdfc-standard-life-insurance-co-ltd-share-price-today\">HDFC Life Insurance Company<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">550.55<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">118,406<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">59.96<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.30<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.10%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and insurance stocks, HDFC Life trades at a premium to the industry P\/E, while SBI and Aptus trade at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Largest Lender, Self-Employed Housing and Life Cover Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Largest lender, self-employed housing and life cover stocks have a strong roadmap in India because steady credit demand, home ownership among the self-employed and rising insurance cover keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Credit demand:<\/strong> Households and firms borrow more as activity grows.<\/li>\n<li><strong>Home loans:<\/strong> Self-employed families seek formal housing finance.<\/li>\n<li><strong>Insurance reach:<\/strong> Families buy protection and annuity plans.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"State_Bank_of_India_Indias_Largest_Lender_Anchors_the_Roadmap\"><\/span><strong>State Bank of India: India&#8217;s Largest Lender Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>SBI&#8217;s roadmap rests on the largest lending franchise in India, with retail, corporate and international banking backed by a very wide branch and digital network, and with a large deposit base and steady credit demand supporting earnings.<\/p>\n<p>Revenue grew from Rs 406,973.09 crore in FY22 to Rs 712,643.53 crore in FY26, a 75.1% rise, and FY26 revenue was 7.4% higher than FY25. FY26 net profit rose 7.8% to Rs 85,168.47 crore. Over four years, net profit rose from Rs 36,356.17 crore in FY22 to Rs 85,168.47 crore. In Q1 FY27, revenue grew 7.8% to Rs 180,061.86 crore, and net profit rose 13.7% to Rs 24,579.04 crore.<\/p>\n<p>Return on equity is 14.29%. SBI paid a dividend of Rs 17.35 per share for FY26, a yield of 1.84%. At a P\/E of 9.68 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.68 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=\"HDFC_Life_Insurance_Company_Life_Insurance_Premiums_Anchor_the_Roadmap\"><\/span><strong>HDFC Life Insurance Company: Life Insurance Premiums Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HDFC Life&#8217;s roadmap rests on life insurance covering protection, savings, annuity and group products, with rising insurance penetration supporting premiums.<\/p>\n<p>Revenue grew from Rs 67,891.60 crore in FY22 to Rs 100,355.41 crore in FY26, a 47.8% rise, and FY26 revenue was 3.1% higher than FY25. FY26 net profit rose 5.6% to Rs 1,912.32 crore. Over four years, net profit rose from Rs 1,326.93 crore in FY22 to Rs 1,912.32 crore. In Q1 FY27, revenue grew 14.5% to Rs 33,929.83 crore, and net profit rose 11.5% to Rs 611.19 crore.<\/p>\n<p>Debt to equity is 0.16 and return on equity is 10.10%. HDFC Life paid a dividend of Rs 2.1 per share for FY26, a yield of 0.38%. At a P\/E of 59.96 against an industry P\/E of 10.30, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 59.96 sits above the industry P\/E of 10.30, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_in_India_SBI_vs_Aptus_vs_HDFC_Life_on_Key_Financials\"><\/span><strong>Best Largest Lender, Self-Employed Housing and Life Cover Stocks in India: SBI vs Aptus vs HDFC Life on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best largest lender, self-employed housing and life cover stocks in India, SBI leads on the lowest P\/E; Aptus leads on FY26 revenue growth and Q1 FY27 revenue growth; HDFC Life ranks second on Q1 FY27 revenue growth. 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;\">SBI<\/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;\">HDFC Life<\/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;\">712,643.53<\/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;\">100,355.41<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.4%<\/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;\">3.1%<\/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;\">85,168.47<\/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;\">1,912.32<\/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;\">7.8%<\/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;\">5.6%<\/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;\">7.8%<\/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;\">14.5%<\/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;\">13.7%<\/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;\">11.5%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.29%<\/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;\">10.10%<\/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;\">9.68<\/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;\">59.96<\/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;\">1.84%<\/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;\">0.38%<\/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_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Largest Lender, Self-Employed Housing and Life Cover 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 largest lender, self-employed housing and life cover stocks and shortlist largest lender, self-employed housing and life cover 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 largest lender, self-employed housing and life cover stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks\"><\/span><strong>Risks to Consider Before Investing in Largest Lender, Self-Employed Housing and Life Cover Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> HDFC Life trades at 59.96 times earnings against an industry multiple of 10.30.<\/li>\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 SBI, Aptus and HDFC Life 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 insurance stocks cover the largest bank, home loans and life insurance. SBI leads on the lowest P\/E; Aptus leads on FY26 revenue growth and Q1 FY27 revenue growth; HDFC Life ranks second on Q1 FY27 revenue growth.<\/p>\n<p>Across largest lender, self-employed housing and life cover 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 largest lender, self-employed housing and life cover 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_Largest_Lender_Self-Employed_Housing_and_Life_Cover_Stocks\"><\/span><strong>FAQs on Largest Lender, Self-Employed Housing and Life Cover Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_largest_lender_self-employed_housing_and_life_cover_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best largest lender, self-employed housing and life cover stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> State Bank of India, Aptus Value Housing Finance India and HDFC Life Insurance Company stand out for their roadmaps in the largest bank, home loans and life insurance. FY26 revenue growth was 7.4% at SBI, 24.9% at Aptus and 3.1% at HDFC Life, and return on equity ranges from 10.10% to 18.64%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_State_Bank_of_India_a_good_stock_to_buy_now\"><\/span><strong>Is State Bank of India a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> State Bank of India has a return on equity of 14.29% and a P\/E of 9.68 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_SBI_Aptus_and_HDFC_Life\"><\/span><strong>What is the P\/E ratio of SBI, Aptus and HDFC Life?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 9.68 for SBI (industry 12.00), 11.03 for Aptus (industry 17.72) and 59.96 for HDFC Life (industry 10.30). Only HDFC Life trades at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_largest_lender_self-employed_housing_and_life_cover_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these largest lender, self-employed housing and life cover stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Aptus Value Housing Finance India has the highest return on equity at 18.64%, followed by State Bank of India at 14.29% and HDFC Life Insurance Company at 10.10%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_largest_lender_self-employed_housing_and_life_cover_stocks\"><\/span><strong>What are the risks of investing in largest lender, self-employed housing and life cover stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are valuation, asset quality, funding costs and quarterly trends. HDFC Life trades at 59.96 times earnings against an industry multiple of 10.30.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_SBI_Aptus_and_HDFC_Life_perform_in_Q1_FY27\"><\/span><strong>How did SBI, Aptus and HDFC Life perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> State Bank of India reported revenue of Rs 180,061.86 crore, up 7.8% year on year, and net profit rose 13.7% to Rs 24,579.04 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. HDFC Life Insurance Company reported revenue of Rs 33,929.83 crore, up 14.5% year on year, and net profit rose 11.5% to Rs 611.19 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_largest_lender_self-employed_housing_and_life_cover_stocks_pay_dividends\"><\/span><strong>Do largest lender, self-employed housing and life cover 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 1.84% for SBI, 2.07% for Aptus and 0.38% for HDFC Life, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_largest_lender_self-employed_housing_and_life_cover_stocks_in_India\"><\/span><strong>How can I invest in largest lender, self-employed housing and life cover stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy largest lender, self-employed housing and life cover 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 largest lender, self-employed housing and life cover stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"State Bank of India, Aptus Value Housing Finance India and HDFC Life Insurance Company stand out for their roadmaps in the largest bank, home loans and life insurance. FY26 revenue growth was 7.4% at SBI, 24.9% at Aptus and 3.1% at HDFC Life, and return on equity ranges from 10.10% to 18.64%.\"}},{\"@type\":\"Question\",\"name\":\"Is State Bank of India a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"State Bank of India has a return on equity of 14.29% and a P\/E of 9.68 against an industry P\/E of 12.00. 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The dividend yield is 1.84% for SBI, 2.07% for Aptus and 0.38% for HDFC Life, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in largest lender, self-employed housing and life cover stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy largest lender, self-employed housing and life cover 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>State Bank of India, Aptus Value Housing Finance India and HDFC Life Insurance Company compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":28,"featured_media":312608,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10587,11192,12692,12693,12694,768],"class_list":["post-312609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aptus-value-housing-finance-india","tag-hdfc-life-insurance-company","tag-largest-lender","tag-self-employed-housing-and-life-cover-stocks","tag-self-employed-housing-and-life-cover-stocks-to-buy","tag-state-bank-of-india"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["312608"],"rank_math_title":["Largest Lender, Self-Employed Housing and Life Cover Stocks"],"rank_math_description":["Largest lender, self-employed housing and life cover stocks with a strong roadmap: SBI, Aptus and HDFC Life compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["largest lender, self-employed housing and life cover 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-largest-lender-self-employed-housing-and-life-cover-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312609","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=312609"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312609\/revisions"}],"predecessor-version":[{"id":312610,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312609\/revisions\/312610"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/312608"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=312609"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=312609"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=312609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}