{"id":312793,"date":"2026-10-16T10:30:15","date_gmt":"2026-10-16T05:00:15","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=312793"},"modified":"2026-10-16T10:30:15","modified_gmt":"2026-10-16T05:00:15","slug":"kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/","title":{"rendered":"3 Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks With a Strong Future Roadmap: South Indian Bank, L&#038;T Finance and HDFC Life Insurance Company"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>South Indian Bank Rs 51.48, P\/E 8.03. L&amp;T Finance Rs 262.00, P\/E 20.15. 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;\">Kerala bank, farm loan specialist and insurance cover stocks with the clearest long-term roadmaps today include South Indian Bank in retail, gold loan and MSME lending from a Kerala-based private bank with a growing branch network, L&amp;T Finance in rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance and HDFC Life in life insurance covering protection, savings, annuity and group products. FY26 revenue growth was 5.6% at South Indian Bank, 12.4% at L&amp;T Finance and 3.1% at HDFC Life. P\/E stands at 8.03 for South Indian Bank (industry 12.00), 20.15 for L&amp;T Finance (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>Kerala bank, farm loan specialist and insurance cover stocks give investors exposure to banking, rural credit and insurance cover for households. Credit growth, funding costs and policy sales decide how much of that demand turns into profit.<\/p>\n<p>Readers comparing Kerala bank, farm loan specialist and insurance cover stocks should weigh growth, margins, cash flow and valuation together instead of leaning on any single number.<\/p>\n<p>This list covers three Kerala bank, farm loan specialist and insurance cover stocks: South Indian Bank for retail, gold loan and MSME lending from a Kerala-based private bank with a growing branch network, L&amp;T Finance for rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance 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=kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#What_Are_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks\" title=\"What Are Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks?\">What Are Kerala Bank, Farm Loan Specialist and Insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_at_a_Glance\" title=\"Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks at a Glance\">Kerala Bank, Farm Loan Specialist and Insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Why_Do_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks Have a Strong Roadmap in India?\">Why Do Kerala Bank, Farm Loan Specialist and Insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#South_Indian_Bank_Kerala-Rooted_Retail_Lending_Builds_the_Next_Leg\" title=\"South Indian Bank: Kerala-Rooted Retail Lending Builds the Next Leg\">South Indian Bank: Kerala-Rooted Retail 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-5\" href=\"https:\/\/univest.in\/blogs-2\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#L_T_Finance_Rural_and_Retail_Lending_Drive_the_Pipeline\" title=\"L&amp;T Finance: Rural and Retail Lending Drive the Pipeline\">L&amp;T Finance: Rural and Retail Lending 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Best_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_in_India_South_Indian_Bank_vs_L_T_Finance_vs_HDFC_Life_on_Key_Financials\" title=\"Best Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks in India: South Indian Bank vs L&amp;T Finance vs HDFC Life on Key Financials\">Best Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks in India: South Indian Bank vs L&amp;T Finance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#How_to_Evaluate_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks to Buy Before You Invest\">How to Evaluate Kerala Bank, Farm Loan Specialist and Insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Risks_to_Consider_Before_Investing_in_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks\" title=\"Risks to Consider Before Investing in Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks\">Risks to Consider Before Investing in Kerala Bank, Farm Loan Specialist and Insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#FAQs_on_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks\" title=\"FAQs on Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks\">FAQs on Kerala Bank, Farm Loan Specialist and Insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Which_are_the_best_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best Kerala bank, farm loan specialist and insurance cover stocks in India with a strong roadmap?\">Which are the best Kerala bank, farm loan specialist and insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Is_South_Indian_Bank_a_good_stock_to_buy_now\" title=\"Is South Indian Bank a good stock to buy now?\">Is South Indian Bank 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#What_is_the_PE_ratio_of_South_Indian_Bank_L_T_Finance_and_HDFC_Life\" title=\"What is the P\/E ratio of South Indian Bank, L&amp;T Finance and HDFC Life?\">What is the P\/E ratio of South Indian Bank, L&amp;T Finance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Which_of_these_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_has_the_highest_return_on_equity\" title=\"Which of these Kerala bank, farm loan specialist and insurance cover stocks has the highest return on equity?\">Which of these Kerala bank, farm loan specialist and insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#What_are_the_risks_of_investing_in_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks\" title=\"What are the risks of investing in Kerala bank, farm loan specialist and insurance cover stocks?\">What are the risks of investing in Kerala bank, farm loan specialist and insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#How_did_South_Indian_Bank_L_T_Finance_and_HDFC_Life_perform_in_Q1_FY27\" title=\"How did South Indian Bank, L&amp;T Finance and HDFC Life perform in Q1 FY27?\">How did South Indian Bank, L&amp;T Finance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#Do_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_pay_dividends\" title=\"Do Kerala bank, farm loan specialist and insurance cover stocks pay dividends?\">Do Kerala bank, farm loan specialist and insurance 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\/kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-roadmap-summit-list\/#How_can_I_invest_in_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_in_India\" title=\"How can I invest in Kerala bank, farm loan specialist and insurance cover stocks in India?\">How can I invest in Kerala bank, farm loan specialist and insurance cover stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks\"><\/span><strong>What Are Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kerala bank, farm loan specialist and insurance 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=\"Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_at_a_Glance\"><\/span><strong>Kerala Bank, Farm Loan Specialist and Insurance 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 Kerala bank, farm loan specialist and insurance 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\/southbank\/the-south-indian-bank-ltd-share-price-today\">South Indian Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">51.48<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12,144<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.03<\/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;\">12.80%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/ltf\/lt-finance-holdings-ltd-share-price-today\">L&amp;T Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">262.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">64,440<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.65%<\/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, L&amp;T Finance and HDFC Life trade at a premium to the industry P\/E, while South Indian Bank trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kerala bank, farm loan specialist and insurance cover stocks have a strong roadmap in India because gold and MSME credit demand, rural spending and rising insurance cover keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Regional credit:<\/strong> Gold and small business loans stay in demand.<\/li>\n<li><strong>Rural credit:<\/strong> Farm and two-wheeler buyers seek loans.<\/li>\n<li><strong>Insurance reach:<\/strong> Families buy protection and annuity plans.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"South_Indian_Bank_Kerala-Rooted_Retail_Lending_Builds_the_Next_Leg\"><\/span><strong>South Indian Bank: Kerala-Rooted Retail Lending Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>South Indian Bank&#8217;s roadmap rests on retail, gold loan and MSME lending from a Kerala-based private bank with a growing branch network, with deposit mobilisation and loan growth supporting earnings.<\/p>\n<p>Revenue grew from Rs 7,620.43 crore in FY22 to Rs 11,855.28 crore in FY26, a 55.6% rise, and FY26 revenue was 5.6% higher than FY25. FY26 net profit rose 11.7% to Rs 1,455.64 crore. In Q1 FY27, revenue grew 0.8% to Rs 3,007.40 crore, and net profit rose 17.2% to Rs 377.66 crore.<\/p>\n<p>Return on equity is 12.80%. South Indian Bank paid a dividend of Rs 0.45 per share for FY26, a yield of 0.97%. At a P\/E of 8.03 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 8.03 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=\"L_T_Finance_Rural_and_Retail_Lending_Drive_the_Pipeline\"><\/span><strong>L&amp;T Finance: Rural and Retail Lending Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&amp;T Finance&#8217;s roadmap rests on rural, farm equipment, two-wheeler and small business loans along with housing and infrastructure finance, with a retail-focused loan mix supporting the growth plan.<\/p>\n<p>Revenue grew from Rs 12,323.55 crore in FY22 to Rs 17,917.03 crore in FY26, a 45.4% rise, and FY26 revenue was 12.4% higher than FY25. FY26 net profit rose 12.8% to Rs 2,982.87 crore. Over four years, net profit rose from Rs 849.23 crore in FY22 to Rs 2,982.87 crore. In Q1 FY27, revenue grew 23.1% to Rs 5,243.31 crore, and net profit rose 30.7% to Rs 915.99 crore.<\/p>\n<p>Debt to equity is 3.94 and return on equity is 10.65%. L&amp;T Finance paid a dividend of Rs 2.75 per share for FY26, a yield of 1.07%. At a P\/E of 20.15 against an industry P\/E of 17.72, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 20.15 is a modest premium to the industry P\/E of 17.72, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"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_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_in_India_South_Indian_Bank_vs_L_T_Finance_vs_HDFC_Life_on_Key_Financials\"><\/span><strong>Best Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks in India: South Indian Bank vs L&amp;T Finance vs HDFC Life on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best Kerala bank, farm loan specialist and insurance cover stocks in India, South Indian Bank leads on return on equity and the lowest P\/E; L&amp;T Finance 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;\">South Indian Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">L&amp;T Finance<\/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;\">11,855.28<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17,917.03<\/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;\">5.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.4%<\/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;\">1,455.64<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,982.87<\/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;\">11.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.8%<\/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;\">0.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">23.1%<\/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;\">17.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.7%<\/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;\">12.80%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.65%<\/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;\">8.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.15<\/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;\">0.97%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.07%<\/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_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Kerala Bank, Farm Loan Specialist and Insurance 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 Kerala bank, farm loan specialist and insurance cover stocks and shortlist Kerala bank, farm loan specialist and insurance 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 Kerala bank, farm loan specialist and insurance cover stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks\"><\/span><strong>Risks to Consider Before Investing in Kerala Bank, Farm Loan Specialist and Insurance 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 South Indian Bank, L&amp;T Finance 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 a regional bank, rural loans and life insurance. South Indian Bank leads on return on equity and the lowest P\/E; L&amp;T Finance leads on FY26 revenue growth and Q1 FY27 revenue growth; HDFC Life ranks second on Q1 FY27 revenue growth.<\/p>\n<p>Across Kerala bank, farm loan specialist and insurance 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 Kerala bank, farm loan specialist and insurance 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_Kerala_Bank_Farm_Loan_Specialist_and_Insurance_Cover_Stocks\"><\/span><strong>FAQs on Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best Kerala bank, farm loan specialist and insurance cover stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank, L&amp;T Finance and HDFC Life Insurance Company stand out for their roadmaps in a regional bank, rural loans and life insurance. FY26 revenue growth was 5.6% at South Indian Bank, 12.4% at L&amp;T Finance and 3.1% at HDFC Life, and return on equity ranges from 10.10% to 12.80%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_South_Indian_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is South Indian Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank has a return on equity of 12.80% and a P\/E of 8.03 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_South_Indian_Bank_L_T_Finance_and_HDFC_Life\"><\/span><strong>What is the P\/E ratio of South Indian Bank, L&amp;T Finance and HDFC Life?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 8.03 for South Indian Bank (industry 12.00), 20.15 for L&amp;T Finance (industry 17.72) and 59.96 for HDFC Life (industry 10.30). Only L&amp;T Finance and HDFC Life trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these Kerala bank, farm loan specialist and insurance cover stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank has the highest return on equity at 12.80%, followed by L&amp;T Finance at 10.65% and HDFC Life Insurance Company at 10.10%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks\"><\/span><strong>What are the risks of investing in Kerala bank, farm loan specialist and insurance 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_South_Indian_Bank_L_T_Finance_and_HDFC_Life_perform_in_Q1_FY27\"><\/span><strong>How did South Indian Bank, L&amp;T Finance and HDFC Life perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> South Indian Bank reported revenue of Rs 3,007.40 crore, up 0.8% year on year, and net profit rose 17.2% to Rs 377.66 crore. L&amp;T Finance reported revenue of Rs 5,243.31 crore, up 23.1% year on year, and net profit rose 30.7% to Rs 915.99 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_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_pay_dividends\"><\/span><strong>Do Kerala bank, farm loan specialist and insurance 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 0.97% for South Indian Bank, 1.07% for L&amp;T Finance 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_Kerala_bank_farm_loan_specialist_and_insurance_cover_stocks_in_India\"><\/span><strong>How can I invest in Kerala bank, farm loan specialist and insurance cover stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy Kerala bank, farm loan specialist and insurance 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 Kerala bank, farm loan specialist and insurance cover stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank, L&T Finance and HDFC Life Insurance Company stand out for their roadmaps in a regional bank, rural loans and life insurance. FY26 revenue growth was 5.6% at South Indian Bank, 12.4% at L&T Finance and 3.1% at HDFC Life, and return on equity ranges from 10.10% to 12.80%.\"}},{\"@type\":\"Question\",\"name\":\"Is South Indian Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank has a return on equity of 12.80% and a P\/E of 8.03 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 South Indian Bank, L&T Finance and HDFC Life?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 8.03 for South Indian Bank (industry 12.00), 20.15 for L&T Finance (industry 17.72) and 59.96 for HDFC Life (industry 10.30). Only L&T Finance and HDFC Life trade at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these Kerala bank, farm loan specialist and insurance cover stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank has the highest return on equity at 12.80%, followed by L&T Finance at 10.65% and HDFC Life Insurance Company at 10.10%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in Kerala bank, farm loan specialist and insurance cover stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"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.\"}},{\"@type\":\"Question\",\"name\":\"How did South Indian Bank, L&T Finance and HDFC Life perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"South Indian Bank reported revenue of Rs 3,007.40 crore, up 0.8% year on year, and net profit rose 17.2% to Rs 377.66 crore. L&T Finance reported revenue of Rs 5,243.31 crore, up 23.1% year on year, and net profit rose 30.7% to Rs 915.99 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.\"}},{\"@type\":\"Question\",\"name\":\"Do Kerala bank, farm loan specialist and insurance cover stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 0.97% for South Indian Bank, 1.07% for L&T Finance and 0.38% for HDFC Life, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in Kerala bank, farm loan specialist and insurance cover stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy Kerala bank, farm loan specialist and insurance 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>South Indian Bank, L&#038;T Finance 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":312792,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[12759,12760,11192,12758,5529],"class_list":["post-312793","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-farm-loan-specialist-and-insurance-cover-stocks","tag-farm-loan-specialist-and-insurance-cover-stocks-to-buy","tag-hdfc-life-insurance-company","tag-kerala-bank","tag-south-indian-bank"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["312792"],"rank_math_title":["Kerala Bank, Farm Loan Specialist and Insurance Cover Stocks"],"rank_math_description":["Kerala bank, farm loan specialist and insurance cover stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["Kerala bank, farm loan specialist and insurance 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-kerala-bank-farm-loan-specialist-and-insurance-cover-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312793","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=312793"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312793\/revisions"}],"predecessor-version":[{"id":312794,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/312793\/revisions\/312794"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/312792"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=312793"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=312793"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=312793"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}