{"id":315053,"date":"2026-10-19T09:42:50","date_gmt":"2026-10-19T04:12:50","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=315053"},"modified":"2026-10-19T09:42:50","modified_gmt":"2026-10-19T04:12:50","slug":"wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/","title":{"rendered":"3 Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks With a Strong Future Roadmap: Indian Bank, Aptus Value Housing Finance India and CARE Ratings"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Indian Bank Rs 854.10, P\/E 8.54. Aptus Rs 222.50, P\/E 11.03. CARE Ratings Rs 1,603.90, P\/E 25.70. 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;\">Wide-network bank, southern housing finance specialist and rating agency stocks with the clearest long-term roadmaps today include Indian Bank in retail, agriculture and MSME lending through a large public sector bank with a wide branch network, Aptus in home loans for self-employed and low-income households, mainly in South India and CARE Ratings in a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders. FY26 revenue growth was 8.7% at Indian Bank, 24.9% at Aptus and 16.5% at CARE Ratings. P\/E stands at 8.54 for Indian Bank (industry 12.00), 11.03 for Aptus (industry 17.72) and 25.70 for CARE Ratings (industry 33.32). 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>Wide-network bank, southern housing finance specialist and rating agency stocks give investors exposure to bank credit, home loans and credit ratings for borrowers and lenders. Credit growth, funding costs and rating volumes decide how much of that demand turns into profit.<\/p>\n<p>Readers comparing wide-network bank, southern housing finance specialist and rating agency stocks should weigh growth, margins, cash flow and valuation together instead of leaning on any single number.<\/p>\n<p>This list covers three wide-network bank, southern housing finance specialist and rating agency stocks: Indian Bank for retail, agriculture and MSME lending through a large public sector bank with a wide branch network, Aptus Value Housing Finance India for home loans for self-employed and low-income households, mainly in South India and CARE Ratings for a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders. 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=wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#What_Are_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks\" title=\"What Are Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks?\">What Are Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_at_a_Glance\" title=\"Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks at a Glance\">Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Why_Do_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks Have a Strong Roadmap in India?\">Why Do Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Indian_Bank_Broad_Lending_Reach_Builds_the_Next_Leg\" title=\"Indian Bank: Broad Lending Reach Builds the Next Leg\">Indian Bank: Broad Lending Reach 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#CARE_Ratings_Rating_Fees_Anchor_the_Roadmap\" title=\"CARE Ratings: Rating Fees Anchor the Roadmap\">CARE Ratings: Rating Fees 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Best_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_in_India_Indian_Bank_vs_Aptus_vs_CARE_Ratings_on_Key_Financials\" title=\"Best Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks in India: Indian Bank vs Aptus vs CARE Ratings on Key Financials\">Best Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks in India: Indian Bank vs Aptus vs CARE Ratings 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#How_to_Evaluate_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks to Buy Before You Invest\">How to Evaluate Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Risks_to_Consider_Before_Investing_in_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks\" title=\"Risks to Consider Before Investing in Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks\">Risks to Consider Before Investing in Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#FAQs_on_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks\" title=\"FAQs on Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks\">FAQs on Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Which_are_the_best_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best wide-network bank, southern housing finance specialist and rating agency stocks in India with a strong roadmap?\">Which are the best wide-network bank, southern housing finance specialist and rating agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Is_Indian_Bank_a_good_stock_to_buy_now\" title=\"Is Indian Bank a good stock to buy now?\">Is 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#What_is_the_PE_ratio_of_Indian_Bank_Aptus_and_CARE_Ratings\" title=\"What is the P\/E ratio of Indian Bank, Aptus and CARE Ratings?\">What is the P\/E ratio of Indian Bank, Aptus and CARE Ratings?<\/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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Which_of_these_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_has_the_highest_return_on_equity\" title=\"Which of these wide-network bank, southern housing finance specialist and rating agency stocks has the highest return on equity?\">Which of these wide-network bank, southern housing finance specialist and rating agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#What_are_the_risks_of_investing_in_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks\" title=\"What are the risks of investing in wide-network bank, southern housing finance specialist and rating agency stocks?\">What are the risks of investing in wide-network bank, southern housing finance specialist and rating agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#How_did_Indian_Bank_Aptus_and_CARE_Ratings_perform_in_Q1_FY27\" title=\"How did Indian Bank, Aptus and CARE Ratings perform in Q1 FY27?\">How did Indian Bank, Aptus and CARE Ratings 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#Do_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_pay_dividends\" title=\"Do wide-network bank, southern housing finance specialist and rating agency stocks pay dividends?\">Do wide-network bank, southern housing finance specialist and rating agency 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\/wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks-roadmap-beacon-list\/#How_can_I_invest_in_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_in_India\" title=\"How can I invest in wide-network bank, southern housing finance specialist and rating agency stocks in India?\">How can I invest in wide-network bank, southern housing finance specialist and rating agency stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks\"><\/span><strong>What Are Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Wide-network bank, southern housing finance specialist and rating agency 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=\"Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_at_a_Glance\"><\/span><strong>Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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 wide-network bank, southern housing finance specialist and rating agency 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\/indianb\/indian-bank-share-price-today\">Indian Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">854.10<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">109,239<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">8.54<\/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;\">16.64%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/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;\">222.50<\/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\/carerating\/care-ratings-ltd-share-price-today\">CARE Ratings<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,603.90<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,631<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.70<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">33.32<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.36%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and finance stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Wide-network bank, southern housing finance specialist and rating agency stocks have a strong roadmap in India because retail and MSME credit, home ownership in smaller towns and debt market issuance keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Bank credit:<\/strong> Farms, small firms and households borrow more.<\/li>\n<li><strong>Home ownership:<\/strong> Self-employed families seek home loans.<\/li>\n<li><strong>Debt issuance:<\/strong> Borrowers need ratings to raise money.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Indian_Bank_Broad_Lending_Reach_Builds_the_Next_Leg\"><\/span><strong>Indian Bank: Broad Lending Reach Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Indian Bank&#8217;s roadmap rests on retail, agriculture and MSME lending through a large public sector bank with a wide branch network, with credit demand from households and small businesses supporting earnings.<\/p>\n<p>Revenue grew from Rs 46,268.15 crore in FY22 to Rs 78,332.70 crore in FY26, a 69.3% rise, and FY26 revenue was 8.7% higher than FY25. FY26 net profit rose 11.2% to Rs 12,226.99 crore. Over four years, net profit rose from Rs 3,993.89 crore in FY22 to Rs 12,226.99 crore. In Q1 FY27, revenue grew 11.1% to Rs 20,997.38 crore, and net profit rose 48.7% to Rs 3,299.48 crore.<\/p>\n<p>Return on equity is 16.64%. Indian Bank paid a dividend of Rs 18.25 per share for FY26, a yield of 2.25%. At a P\/E of 8.54 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 8.54 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=\"CARE_Ratings_Rating_Fees_Anchor_the_Roadmap\"><\/span><strong>CARE Ratings: Rating Fees Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>CARE Ratings&#8217; roadmap rests on a credit rating agency that rates debt instruments and provides analytical services to borrowers and lenders, with rating fees linked to debt raised by companies supporting earnings.<\/p>\n<p>Revenue grew from Rs 274.82 crore in FY22 to Rs 527.89 crore in FY26, a 92.1% rise, and FY26 revenue was 16.5% higher than FY25. FY26 net profit rose 24.1% to Rs 173.70 crore. Over four years, net profit rose from Rs 76.83 crore in FY22 to Rs 173.70 crore. In Q1 FY27, revenue grew 17.5% to Rs 126.48 crore, and net profit rose 24.5% to Rs 32.99 crore. Operating margin was 53.32% in FY26 and 44.26% in Q1 FY27 against 44.12% a year earlier.<\/p>\n<p>Debt to equity is 0.03 and return on equity is 18.36%. FY26 operating cash flow was Rs 147.57 crore against capital expenditure of Rs 8.30 crore. CARE Ratings paid a dividend of Rs 22 per share for FY26, a yield of 1.43%. At a P\/E of 25.70 against an industry P\/E of 33.32, the stock trades below its industry multiple.<\/p>\n<p>What to watch: Q1 FY27 operating margin was 44.26% against 53.32% for FY26, so margin stability is the figure to follow as volumes grow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_in_India_Indian_Bank_vs_Aptus_vs_CARE_Ratings_on_Key_Financials\"><\/span><strong>Best Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks in India: Indian Bank vs Aptus vs CARE Ratings on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best wide-network bank, southern housing finance specialist and rating agency stocks in India, Indian Bank leads on Q1 FY27 net profit growth and the lowest P\/E; Aptus leads on FY26 revenue growth and FY26 net profit growth; CARE Ratings leads 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;\">Indian Bank<\/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;\">CARE Ratings<\/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;\">78,332.70<\/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;\">527.89<\/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;\">8.7%<\/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;\">16.5%<\/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;\">12,226.99<\/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;\">173.70<\/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;\">11.2%<\/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;\">24.1%<\/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;\">11.1%<\/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;\">17.5%<\/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;\">48.7%<\/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;\">24.5%<\/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;\">16.64%<\/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;\">18.36%<\/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;\">8.54<\/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;\">25.70<\/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;\">2.25%<\/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;\">1.43%<\/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_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency 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 wide-network bank, southern housing finance specialist and rating agency stocks and shortlist wide-network bank, southern housing finance specialist and rating agency 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 wide-network bank, southern housing finance specialist and rating agency stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks\"><\/span><strong>Risks to Consider Before Investing in Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Asset quality:<\/strong> A rise in overdue loans can reduce profit.<\/li>\n<li><strong>Funding costs:<\/strong> Changes in borrowing costs can move spreads.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Indian Bank, Aptus and CARE Ratings live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three banking and finance stocks cover a public sector bank, a home lender and a rating agency. Indian Bank leads on Q1 FY27 net profit growth and the lowest P\/E; Aptus leads on FY26 revenue growth and FY26 net profit growth; CARE Ratings leads on Q1 FY27 revenue growth.<\/p>\n<p>Across wide-network bank, southern housing finance specialist and rating agency 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 wide-network bank, southern housing finance specialist and rating agency 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_Wide-Network_Bank_Southern_Housing_Finance_Specialist_and_Rating_Agency_Stocks\"><\/span><strong>FAQs on Wide-Network Bank, Southern Housing Finance Specialist and Rating Agency Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best wide-network bank, southern housing finance specialist and rating agency stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Bank, Aptus Value Housing Finance India and CARE Ratings stand out for their roadmaps in a public sector bank, a home lender and a rating agency. FY26 revenue growth was 8.7% at Indian Bank, 24.9% at Aptus and 16.5% at CARE Ratings, and return on equity ranges from 16.64% to 18.64%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Indian_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is Indian Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Bank has a return on equity of 16.64% and a P\/E of 8.54 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_Indian_Bank_Aptus_and_CARE_Ratings\"><\/span><strong>What is the P\/E ratio of Indian Bank, Aptus and CARE Ratings?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 8.54 for Indian Bank (industry 12.00), 11.03 for Aptus (industry 17.72) and 25.70 for CARE Ratings (industry 33.32). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these wide-network bank, southern housing finance specialist and rating agency 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 CARE Ratings at 18.36% and Indian Bank at 16.64%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks\"><\/span><strong>What are the risks of investing in wide-network bank, southern housing finance specialist and rating agency stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Indian_Bank_Aptus_and_CARE_Ratings_perform_in_Q1_FY27\"><\/span><strong>How did Indian Bank, Aptus and CARE Ratings perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Indian Bank reported revenue of Rs 20,997.38 crore, up 11.1% year on year, and net profit rose 48.7% to Rs 3,299.48 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. CARE Ratings reported revenue of Rs 126.48 crore, up 17.5% year on year, and net profit rose 24.5% to Rs 32.99 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_pay_dividends\"><\/span><strong>Do wide-network bank, southern housing finance specialist and rating agency 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 2.25% for Indian Bank, 2.07% for Aptus and 1.43% for CARE Ratings, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_wide-network_bank_southern_housing_finance_specialist_and_rating_agency_stocks_in_India\"><\/span><strong>How can I invest in wide-network bank, southern housing finance specialist and rating agency stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy wide-network bank, southern housing finance specialist and rating agency 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 wide-network bank, southern housing finance specialist and rating agency stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Indian Bank, Aptus Value Housing Finance India and CARE Ratings stand out for their roadmaps in a public sector bank, a home lender and a rating agency. FY26 revenue growth was 8.7% at Indian Bank, 24.9% at Aptus and 16.5% at CARE Ratings, and return on equity ranges from 16.64% to 18.64%.\"}},{\"@type\":\"Question\",\"name\":\"Is Indian Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Indian Bank has a return on equity of 16.64% and a P\/E of 8.54 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 Indian Bank, Aptus and CARE Ratings?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 8.54 for Indian Bank (industry 12.00), 11.03 for Aptus (industry 17.72) and 25.70 for CARE Ratings (industry 33.32). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these wide-network bank, southern housing finance specialist and rating agency stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Aptus Value Housing Finance India has the highest return on equity at 18.64%, followed by CARE Ratings at 18.36% and Indian Bank at 16.64%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in wide-network bank, southern housing finance specialist and rating agency stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are asset quality, funding costs and quarterly trends. A rise in overdue loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did Indian Bank, Aptus and CARE Ratings perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Indian Bank reported revenue of Rs 20,997.38 crore, up 11.1% year on year, and net profit rose 48.7% to Rs 3,299.48 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. CARE Ratings reported revenue of Rs 126.48 crore, up 17.5% year on year, and net profit rose 24.5% to Rs 32.99 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do wide-network bank, southern housing finance specialist and rating agency stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 2.25% for Indian Bank, 2.07% for Aptus and 1.43% for CARE Ratings, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in wide-network bank, southern housing finance specialist and rating agency stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy wide-network bank, southern housing finance specialist and rating agency 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>Indian Bank, Aptus Value Housing Finance India and CARE Ratings compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":36,"featured_media":315050,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10587,7155,706,12988,12989,12987],"class_list":["post-315053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aptus-value-housing-finance-india","tag-care-ratings","tag-indian-bank","tag-southern-housing-finance-specialist-and-rating-agency-stocks","tag-southern-housing-finance-specialist-and-rating-agency-stocks-to-buy","tag-wide-network-bank"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["315050"],"rank_math_title":["public sector bank, home lender and rating agency stocks"],"rank_math_description":["Wide-network bank, southern housing finance specialist and rating agency stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["wide-network bank, southern housing finance specialist and rating agency 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-wide-network-bank-southern-housing-finance-specialist-and-rating-agency-stocks.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/315053","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\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=315053"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/315053\/revisions"}],"predecessor-version":[{"id":315054,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/315053\/revisions\/315054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/315050"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=315053"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=315053"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=315053"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}