{"id":313701,"date":"2026-10-16T13:32:05","date_gmt":"2026-10-16T08:02:05","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=313701"},"modified":"2026-10-16T13:32:05","modified_gmt":"2026-10-16T08:02:05","slug":"kerala-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/kerala-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/","title":{"rendered":"3 Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks With a Strong Future Roadmap: Federal Bank, Paisalo Digital and Life Insurance Corporation of India"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Federal Bank Rs 335.00, P\/E 16.38. Paisalo Digital Rs 81.08, P\/E 29.35. LIC Rs 394.00, P\/E 7.99. 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-based bank, co-lending fintech and life cover giant stocks with the clearest long-term roadmaps today include Federal Bank in retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, Paisalo Digital in small-ticket loans to underserved borrowers through a digital and co-lending model and LIC in life insurance and annuity products sold through the largest agent network in India. FY26 revenue growth was 7.0% at Federal Bank, 22.4% at Paisalo Digital and 10.2% at LIC. P\/E stands at 16.38 for Federal Bank (industry 12.00), 29.35 for Paisalo Digital (industry 17.72) and 7.99 for LIC (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-based bank, co-lending fintech and life cover giant stocks give investors exposure to banking, small loans and life insurance cover for households and businesses. Credit growth, funding costs and policy sales decide how much of that demand turns into profit.<\/p>\n<p>This list covers three Kerala-based bank, co-lending fintech and life cover giant stocks: Federal Bank for retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, Paisalo Digital for small-ticket loans to underserved borrowers through a digital and co-lending model and Life Insurance Corporation of India for life insurance and annuity products sold through the largest agent network in India. 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#What_Are_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks\" title=\"What Are Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks?\">What Are Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_at_a_Glance\" title=\"Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks at a Glance\">Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Why_Do_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks Have a Strong Roadmap in India?\">Why Do Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Federal_Bank_NRI_and_Retail_Banking_Anchor_the_Roadmap\" title=\"Federal Bank: NRI and Retail Banking Anchor the Roadmap\">Federal Bank: NRI and Retail Banking Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/kerala-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Paisalo_Digital_Digital_Co-Lending_Builds_the_Next_Leg\" title=\"Paisalo Digital: Digital Co-Lending Builds the Next Leg\">Paisalo Digital: Digital Co-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-6\" href=\"https:\/\/univest.in\/blogs-2\/kerala-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Life_Insurance_Corporation_of_India_A_Vast_Policyholder_Base_Anchors_the_Roadmap\" title=\"Life Insurance Corporation of India: A Vast Policyholder Base Anchors the Roadmap\">Life Insurance Corporation of India: A Vast Policyholder Base Anchors 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Best_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_in_India_Federal_Bank_vs_Paisalo_Digital_vs_LIC_on_Key_Financials\" title=\"Best Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks in India: Federal Bank vs Paisalo Digital vs LIC on Key Financials\">Best Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks in India: Federal Bank vs Paisalo Digital vs LIC 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#How_to_Evaluate_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks to Buy Before You Invest\">How to Evaluate Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Risks_to_Consider_Before_Investing_in_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks\" title=\"Risks to Consider Before Investing in Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks\">Risks to Consider Before Investing in Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#FAQs_on_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks\" title=\"FAQs on Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks\">FAQs on Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Which_are_the_best_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best Kerala-based bank, co-lending fintech and life cover giant stocks in India with a strong roadmap?\">Which are the best Kerala-based bank, co-lending fintech and life cover giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Is_Federal_Bank_a_good_stock_to_buy_now\" title=\"Is Federal Bank a good stock to buy now?\">Is Federal 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#What_is_the_PE_ratio_of_Federal_Bank_Paisalo_Digital_and_LIC\" title=\"What is the P\/E ratio of Federal Bank, Paisalo Digital and LIC?\">What is the P\/E ratio of Federal Bank, Paisalo Digital and LIC?<\/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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Which_of_these_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_has_the_highest_return_on_equity\" title=\"Which of these Kerala-based bank, co-lending fintech and life cover giant stocks has the highest return on equity?\">Which of these Kerala-based bank, co-lending fintech and life cover giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#What_are_the_risks_of_investing_in_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks\" title=\"What are the risks of investing in Kerala-based bank, co-lending fintech and life cover giant stocks?\">What are the risks of investing in Kerala-based bank, co-lending fintech and life cover giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#How_did_Federal_Bank_Paisalo_Digital_and_LIC_perform_in_Q1_FY27\" title=\"How did Federal Bank, Paisalo Digital and LIC perform in Q1 FY27?\">How did Federal Bank, Paisalo Digital and LIC 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#Do_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_pay_dividends\" title=\"Do Kerala-based bank, co-lending fintech and life cover giant stocks pay dividends?\">Do Kerala-based bank, co-lending fintech and life cover giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-roadmap-outlook-list\/#How_can_I_invest_in_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_in_India\" title=\"How can I invest in Kerala-based bank, co-lending fintech and life cover giant stocks in India?\">How can I invest in Kerala-based bank, co-lending fintech and life cover giant stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks\"><\/span><strong>What Are Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kerala-based bank, co-lending fintech and life cover giant 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-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_at_a_Glance\"><\/span><strong>Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based bank, co-lending fintech and life cover giant 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\/federalbnk\/the-federal-bank-ltd-share-price-today\">Federal Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">335.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">79,324<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.38<\/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;\">12.17%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/paisalo\/paisalo-digital-ltd-share-price-today\">Paisalo Digital<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">81.08<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7,378<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29.35<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.23%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/lici\/life-insurance-corporation-of-india-share-price-today\">Life Insurance Corporation of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">394.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">480,067<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.99<\/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;\">32.53%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and insurance stocks, Federal Bank and Paisalo Digital trade at a premium to the industry P\/E, while LIC trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kerala-based bank, co-lending fintech and life cover giant stocks have a strong roadmap in India because NRI remittances, formal credit for small borrowers and rising insurance cover keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>NRI flows:<\/strong> Overseas families bank and invest through Indian lenders.<\/li>\n<li><strong>Small-ticket credit:<\/strong> Underserved borrowers join the formal system.<\/li>\n<li><strong>Insurance reach:<\/strong> Agent networks bring cover to more families.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_NRI_and_Retail_Banking_Anchor_the_Roadmap\"><\/span><strong>Federal Bank: NRI and Retail Banking Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Federal Bank&#8217;s roadmap rests on retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, with remittance flows and retail lending supporting growth.<\/p>\n<p>Revenue grew from Rs 16,502.46 crore in FY22 to Rs 34,272.42 crore in FY26, a 107.7% rise, and FY26 revenue was 7.0% higher than FY25. FY26 net profit rose 6.7% to Rs 4,483.38 crore. Over four years, net profit rose from Rs 1,965.40 crore in FY22 to Rs 4,483.38 crore. In Q1 FY27, revenue grew 7.5% to Rs 8,943.11 crore, and net profit rose 37.1% to Rs 1,297.61 crore.<\/p>\n<p>Return on equity is 12.17%. Federal Bank paid a dividend of Rs 1.2 per share for FY26, a yield of 0.37%. At a P\/E of 16.38 against an industry P\/E of 12.00, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 16.38 sits above the industry P\/E of 12.00, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Paisalo_Digital_Digital_Co-Lending_Builds_the_Next_Leg\"><\/span><strong>Paisalo Digital: Digital Co-Lending Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Paisalo Digital&#8217;s roadmap rests on small-ticket loans to underserved borrowers through a digital and co-lending model, with a low-ticket lending model supporting growth.<\/p>\n<p>Revenue grew from Rs 392.22 crore in FY22 to Rs 943.70 crore in FY26, a 140.6% rise, and FY26 revenue was 22.4% higher than FY25. FY26 net profit rose 18.5% to Rs 237.21 crore. Over four years, net profit rose from Rs 79.25 crore in FY22 to Rs 237.21 crore. In Q1 FY27, revenue grew 19.0% to Rs 260.29 crore, and net profit rose 30.0% to Rs 61.31 crore.<\/p>\n<p>Debt to equity is 2.43 and return on equity is 13.23%. Paisalo Digital paid a dividend of Rs 0.1 per share for FY26, a yield of 0.12%. At a P\/E of 29.35 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 29.35 sits above the industry P\/E of 17.72, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Life_Insurance_Corporation_of_India_A_Vast_Policyholder_Base_Anchors_the_Roadmap\"><\/span><strong>Life Insurance Corporation of India: A Vast Policyholder Base Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC&#8217;s roadmap rests on life insurance and annuity products sold through the largest agent network in India, with a vast policyholder base supporting premium income.<\/p>\n<p>Revenue grew from Rs 728,945.50 crore in FY22 to Rs 990,211.25 crore in FY26, a 35.8% rise, and FY26 revenue was 10.2% higher than FY25. FY26 net profit rose 18.9% to Rs 57,453.15 crore. In Q1 FY27, revenue grew 7.0% to Rs 241,166.45 crore, and net profit rose 24.0% to Rs 13,584.25 crore.<\/p>\n<p>Return on equity is 32.53%. LIC paid a dividend of Rs 10 per share for FY26, a yield of 1.32%. At a P\/E of 7.99 against an industry P\/E of 10.30, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 7.99 against an industry P\/E of 10.30 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_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_in_India_Federal_Bank_vs_Paisalo_Digital_vs_LIC_on_Key_Financials\"><\/span><strong>Best Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks in India: Federal Bank vs Paisalo Digital vs LIC on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best Kerala-based bank, co-lending fintech and life cover giant stocks in India, Federal Bank leads on Q1 FY27 net profit growth; Paisalo Digital leads on FY26 revenue growth and Q1 FY27 revenue growth; LIC leads on FY26 net profit growth and return on equity. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Federal Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Paisalo Digital<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">LIC<\/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;\">34,272.42<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">943.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">990,211.25<\/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;\">7.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">22.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.2%<\/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;\">4,483.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">237.21<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">57,453.15<\/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;\">6.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.9%<\/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;\">7.5%<\/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;\">7.0%<\/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;\">37.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.0%<\/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;\">12.17%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.23%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">32.53%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29.35<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.99<\/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;\">0.37%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.12%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1.32%<\/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-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant 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-based bank, co-lending fintech and life cover giant stocks and shortlist Kerala-based bank, co-lending fintech and life cover giant 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-based bank, co-lending fintech and life cover giant stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Kerala-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks\"><\/span><strong>Risks to Consider Before Investing in Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> Paisalo Digital trades at 29.35 times earnings against an industry multiple of 17.72.<\/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 Federal Bank, Paisalo Digital and LIC 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 private bank, small-ticket loans and life insurance. Federal Bank leads on Q1 FY27 net profit growth; Paisalo Digital leads on FY26 revenue growth and Q1 FY27 revenue growth; LIC leads on FY26 net profit growth and return on equity.<\/p>\n<p>Across Kerala-based bank, co-lending fintech and life cover giant 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-based bank, co-lending fintech and life cover giant 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-Based_Bank_Co-Lending_Fintech_and_Life_Cover_Giant_Stocks\"><\/span><strong>FAQs on Kerala-Based Bank, Co-Lending Fintech and Life Cover Giant Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best Kerala-based bank, co-lending fintech and life cover giant stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank, Paisalo Digital and Life Insurance Corporation of India stand out for their roadmaps in a regional private bank, small-ticket loans and life insurance. FY26 revenue growth was 7.0% at Federal Bank, 22.4% at Paisalo Digital and 10.2% at LIC, and return on equity ranges from 12.17% to 32.53%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Federal_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is Federal Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank has a return on equity of 12.17% and a P\/E of 16.38 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_Federal_Bank_Paisalo_Digital_and_LIC\"><\/span><strong>What is the P\/E ratio of Federal Bank, Paisalo Digital and LIC?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 16.38 for Federal Bank (industry 12.00), 29.35 for Paisalo Digital (industry 17.72) and 7.99 for LIC (industry 10.30). Only Federal Bank and Paisalo Digital trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these Kerala-based bank, co-lending fintech and life cover giant stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Life Insurance Corporation of India has the highest return on equity at 32.53%, followed by Paisalo Digital at 13.23% and Federal Bank at 12.17%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks\"><\/span><strong>What are the risks of investing in Kerala-based bank, co-lending fintech and life cover giant 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. Paisalo Digital trades at 29.35 times earnings against an industry multiple of 17.72.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Federal_Bank_Paisalo_Digital_and_LIC_perform_in_Q1_FY27\"><\/span><strong>How did Federal Bank, Paisalo Digital and LIC perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank reported revenue of Rs 8,943.11 crore, up 7.5% year on year, and net profit rose 37.1% to Rs 1,297.61 crore. Paisalo Digital reported revenue of Rs 260.29 crore, up 19.0% year on year, and net profit rose 30.0% to Rs 61.31 crore. Life Insurance Corporation of India reported revenue of Rs 241,166.45 crore, up 7.0% year on year, and net profit rose 24.0% to Rs 13,584.25 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_pay_dividends\"><\/span><strong>Do Kerala-based bank, co-lending fintech and life cover giant 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 0.37% for Federal Bank, 0.12% for Paisalo Digital and 1.32% for LIC, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_Kerala-based_bank_co-lending_fintech_and_life_cover_giant_stocks_in_India\"><\/span><strong>How can I invest in Kerala-based bank, co-lending fintech and life cover giant stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy Kerala-based bank, co-lending fintech and life cover giant 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-based bank, co-lending fintech and life cover giant stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank, Paisalo Digital and Life Insurance Corporation of India stand out for their roadmaps in a regional private bank, small-ticket loans and life insurance. FY26 revenue growth was 7.0% at Federal Bank, 22.4% at Paisalo Digital and 10.2% at LIC, and return on equity ranges from 12.17% to 32.53%.\"}},{\"@type\":\"Question\",\"name\":\"Is Federal Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank has a return on equity of 12.17% and a P\/E of 16.38 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 Federal Bank, Paisalo Digital and LIC?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 16.38 for Federal Bank (industry 12.00), 29.35 for Paisalo Digital (industry 17.72) and 7.99 for LIC (industry 10.30). Only Federal Bank and Paisalo Digital trade at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these Kerala-based bank, co-lending fintech and life cover giant stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Life Insurance Corporation of India has the highest return on equity at 32.53%, followed by Paisalo Digital at 13.23% and Federal Bank at 12.17%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in Kerala-based bank, co-lending fintech and life cover giant stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are valuation, asset quality, funding costs and quarterly trends. Paisalo Digital trades at 29.35 times earnings against an industry multiple of 17.72.\"}},{\"@type\":\"Question\",\"name\":\"How did Federal Bank, Paisalo Digital and LIC perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank reported revenue of Rs 8,943.11 crore, up 7.5% year on year, and net profit rose 37.1% to Rs 1,297.61 crore. Paisalo Digital reported revenue of Rs 260.29 crore, up 19.0% year on year, and net profit rose 30.0% to Rs 61.31 crore. Life Insurance Corporation of India reported revenue of Rs 241,166.45 crore, up 7.0% year on year, and net profit rose 24.0% to Rs 13,584.25 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do Kerala-based bank, co-lending fintech and life cover giant stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 0.37% for Federal Bank, 0.12% for Paisalo Digital and 1.32% for LIC, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in Kerala-based bank, co-lending fintech and life cover giant stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy Kerala-based bank, co-lending fintech and life cover giant 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>Federal Bank, Paisalo Digital and Life Insurance Corporation of India compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":29,"featured_media":313698,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[12894,12895,716,12420,10960,11074],"class_list":["post-313701","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-co-lending-fintech-and-life-cover-giant-stocks","tag-co-lending-fintech-and-life-cover-giant-stocks-to-buy","tag-federal-bank","tag-kerala-based-bank","tag-life-insurance-corporation-of-india","tag-paisalo-digital"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["313698"],"rank_math_title":["Kerala bank, small-ticket lender and life insurance stocks"],"rank_math_description":["Kerala-based bank, co-lending fintech and life cover giant stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["Kerala-based bank, co-lending fintech and life cover giant 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-based-bank-co-lending-fintech-and-life-cover-giant-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/313701","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=313701"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/313701\/revisions"}],"predecessor-version":[{"id":313702,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/313701\/revisions\/313702"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/313698"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=313701"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=313701"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=313701"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}