{"id":316142,"date":"2026-10-19T11:56:19","date_gmt":"2026-10-19T06:26:19","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=316142"},"modified":"2026-10-19T11:56:19","modified_gmt":"2026-10-19T06:26:19","slug":"public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/","title":{"rendered":"3 Public Sector Bank, Mortgage Major and Capital Market Stocks With a Strong Future Roadmap: Central Bank of India, LIC Housing Finance and AK Capital Services"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Central Bank of India Rs 30.88, P\/E 5.94. LIC Housing Rs 521.00, P\/E 5.15. AK Capital Rs 1,754.00, P\/E 9.66. Closing prices of 14 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Public sector bank, mortgage major and capital market stocks with the clearest long-term roadmaps today include Central Bank of India in lending to retail, agriculture and MSME borrowers through a wide public sector bank network, LIC Housing in home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group and AK Capital in merchant banking, debt capital market services, broking and lending. FY26 revenue growth was 7.9% at Central Bank of India, 2.6% at LIC Housing and 18.4% at AK Capital. P\/E stands at 5.94 for Central Bank of India (industry 12.00), 5.15 for LIC Housing (industry 17.72) and 9.66 for AK Capital (industry 17.72). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Public sector bank, mortgage major and capital market stocks give investors exposure to bank credit, home loans and capital market services. Credit growth, funding costs and asset quality decide how much of that demand turns into profit.<\/p>\n<p>This list covers three public sector bank, mortgage major and capital market stocks: Central Bank of India for lending to retail, agriculture and MSME borrowers through a wide public sector bank network, LIC Housing Finance for home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group and AK Capital Services for merchant banking, debt capital market services, broking and lending. Every figure comes from the latest reported financials and the 14 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#What_Are_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks\" title=\"What Are Public Sector Bank, Mortgage Major and Capital Market Stocks?\">What Are Public Sector Bank, Mortgage Major and Capital Market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_at_a_Glance\" title=\"Public Sector Bank, Mortgage Major and Capital Market Stocks at a Glance\">Public Sector Bank, Mortgage Major and Capital Market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Why_Do_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Public Sector Bank, Mortgage Major and Capital Market Stocks Have a Strong Roadmap in India?\">Why Do Public Sector Bank, Mortgage Major and Capital Market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Central_Bank_of_India_Wide_Branch_Network_Anchors_the_Roadmap\" title=\"Central Bank of India: Wide Branch Network Anchors the Roadmap\">Central Bank of India: Wide Branch Network Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#LIC_Housing_Finance_Large_Home_Loan_Book_Builds_the_Next_Leg\" title=\"LIC Housing Finance: Large Home Loan Book Builds the Next Leg\">LIC Housing Finance: Large Home Loan Book 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#AK_Capital_Services_Merchant_Banking_and_Lending_Anchor_the_Roadmap\" title=\"AK Capital Services: Merchant Banking and Lending Anchor the Roadmap\">AK Capital Services: Merchant Banking and Lending Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Best_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_in_India_Central_Bank_of_India_vs_LIC_Housing_vs_AK_Capital_on_Key_Financials\" title=\"Best Public Sector Bank, Mortgage Major and Capital Market Stocks in India: Central Bank of India vs LIC Housing vs AK Capital on Key Financials\">Best Public Sector Bank, Mortgage Major and Capital Market Stocks in India: Central Bank of India vs LIC Housing vs AK Capital on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#How_to_Evaluate_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Public Sector Bank, Mortgage Major and Capital Market Stocks to Buy Before You Invest\">How to Evaluate Public Sector Bank, Mortgage Major and Capital Market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Risks_to_Consider_Before_Investing_in_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks\" title=\"Risks to Consider Before Investing in Public Sector Bank, Mortgage Major and Capital Market Stocks\">Risks to Consider Before Investing in Public Sector Bank, Mortgage Major and Capital Market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#FAQs_on_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks\" title=\"FAQs on Public Sector Bank, Mortgage Major and Capital Market Stocks\">FAQs on Public Sector Bank, Mortgage Major and Capital Market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Which_are_the_best_public_sector_bank_mortgage_major_and_capital_market_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best public sector bank, mortgage major and capital market stocks in India with a strong roadmap?\">Which are the best public sector bank, mortgage major and capital market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Is_Central_Bank_of_India_a_good_stock_to_buy_now\" title=\"Is Central Bank of India a good stock to buy now?\">Is Central Bank of India a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#What_is_the_PE_ratio_of_Central_Bank_of_India_LIC_Housing_and_AK_Capital\" title=\"What is the P\/E ratio of Central Bank of India, LIC Housing and AK Capital?\">What is the P\/E ratio of Central Bank of India, LIC Housing and AK Capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Which_of_these_public_sector_bank_mortgage_major_and_capital_market_stocks_has_the_highest_return_on_equity\" title=\"Which of these public sector bank, mortgage major and capital market stocks has the highest return on equity?\">Which of these public sector bank, mortgage major and capital market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#What_are_the_risks_of_investing_in_public_sector_bank_mortgage_major_and_capital_market_stocks\" title=\"What are the risks of investing in public sector bank, mortgage major and capital market stocks?\">What are the risks of investing in public sector bank, mortgage major and capital market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#How_did_Central_Bank_of_India_LIC_Housing_and_AK_Capital_perform_in_Q1_FY27\" title=\"How did Central Bank of India, LIC Housing and AK Capital perform in Q1 FY27?\">How did Central Bank of India, LIC Housing and AK Capital perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#Do_public_sector_bank_mortgage_major_and_capital_market_stocks_pay_dividends\" title=\"Do public sector bank, mortgage major and capital market stocks pay dividends?\">Do public sector bank, mortgage major and capital market 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\/public-sector-bank-mortgage-major-and-capital-market-stocks-roadmap-signal-list\/#How_can_I_invest_in_public_sector_bank_mortgage_major_and_capital_market_stocks_in_India\" title=\"How can I invest in public sector bank, mortgage major and capital market stocks in India?\">How can I invest in public sector bank, mortgage major and capital market stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks\"><\/span><strong>What Are Public Sector Bank, Mortgage Major and Capital Market Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Public sector bank, mortgage major and capital market 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=\"Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_at_a_Glance\"><\/span><strong>Public Sector Bank, Mortgage Major and Capital Market 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 public sector bank, mortgage major and capital market 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\/centralbk\/central-bank-of-india-share-price-today\">Central Bank of India<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.88<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">27,154<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.94<\/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;\">12.31%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/lichsgfin\/lic-housing-finance-ltd-share-price-today\">LIC Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">521.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29,538<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/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;\">13.53%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/akcapit\/ak-capital-services-ltd-share-price-today\">AK Capital Services<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,754.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,143<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.66<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.72<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.55%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and finance stocks, all three trade at a discount to their industry P\/E multiples.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Public Sector Bank, Mortgage Major and Capital Market Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Public sector bank, mortgage major and capital market stocks have a strong roadmap in India because retail and farm credit, home ownership and debt 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> Salaried families seek home loans.<\/li>\n<li><strong>Debt issuance:<\/strong> Companies use merchant bankers to raise funds.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Central_Bank_of_India_Wide_Branch_Network_Anchors_the_Roadmap\"><\/span><strong>Central Bank of India: Wide Branch Network Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Central Bank of India&#8217;s roadmap rests on lending to retail, agriculture and MSME borrowers through a wide public sector bank network, with credit demand from households and small businesses supporting earnings.<\/p>\n<p>Revenue grew from Rs 25,870.83 crore in FY22 to Rs 42,583.14 crore in FY26, a 64.6% rise, and FY26 revenue was 7.9% higher than FY25. FY26 net profit rose 14.9% to Rs 4,530.80 crore. Over four years, net profit rose from Rs 1,082.95 crore in FY22 to Rs 4,530.80 crore. In Q1 FY27, revenue grew 3.1% to Rs 10,714.39 crore, and net profit rose 5.4% to Rs 1,328.95 crore.<\/p>\n<p>Return on equity is 12.31%. At a P\/E of 5.94 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 5.94 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=\"LIC_Housing_Finance_Large_Home_Loan_Book_Builds_the_Next_Leg\"><\/span><strong>LIC Housing Finance: Large Home Loan Book Builds the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>LIC Housing&#8217;s roadmap rests on home loans for salaried and self-employed borrowers, backed by the distribution reach of the LIC group, with a large loan book and a trusted brand supporting origination.<\/p>\n<p>Revenue grew from Rs 20,005.31 crore in FY22 to Rs 28,843.49 crore in FY26, a 44.2% rise, and FY26 revenue was 2.6% higher than FY25. FY26 net profit rose 3.0% to Rs 5,604.24 crore. Over four years, net profit rose from Rs 2,286.00 crore in FY22 to Rs 5,604.24 crore. In Q1 FY27, net profit rose 9.9% to Rs 1,499.03 crore.<\/p>\n<p>Debt to equity is 6.70 and return on equity is 13.53%. LIC Housing paid a dividend of Rs 10 per share for FY26, a yield of 1.86%. At a P\/E of 5.15 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 5.15 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"AK_Capital_Services_Merchant_Banking_and_Lending_Anchor_the_Roadmap\"><\/span><strong>AK Capital Services: Merchant Banking and Lending Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>AK Capital&#8217;s roadmap rests on merchant banking, debt capital market services, broking and lending, with several fee and interest income lines supporting earnings.<\/p>\n<p>Revenue grew from Rs 322.89 crore in FY22 to Rs 573.02 crore in FY26, a 77.5% rise, and FY26 revenue was 18.4% higher than FY25. FY26 net profit rose 30.9% to Rs 114.04 crore. Over four years, net profit rose from Rs 83.01 crore in FY22 to Rs 114.04 crore. In Q1 FY27, revenue grew 4.2% to Rs 140.27 crore, and net profit rose 18.2% to Rs 28.27 crore.<\/p>\n<p>Debt to equity is 2.95 and return on equity is 10.55%. AK Capital paid a dividend of Rs 60 per share for FY26, a yield of 3.46%. At a P\/E of 9.66 against an industry P\/E of 17.72, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.66 against an industry P\/E of 17.72 leaves valuation less stretched, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_in_India_Central_Bank_of_India_vs_LIC_Housing_vs_AK_Capital_on_Key_Financials\"><\/span><strong>Best Public Sector Bank, Mortgage Major and Capital Market Stocks in India: Central Bank of India vs LIC Housing vs AK Capital on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best public sector bank, mortgage major and capital market stocks in India, Central Bank of India ranks second on FY26 revenue growth and FY26 net profit growth; LIC Housing leads on return on equity and the lowest P\/E; AK Capital leads on FY26 revenue growth and Q1 FY27 net profit 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;\">Central Bank of India<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">LIC Housing<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">AK Capital<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">42,583.14<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">28,843.49<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">573.02<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.4%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,530.80<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5,604.24<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">114.04<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.9%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 net profit growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.4%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.2%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.31%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.53%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.55%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.94<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">5.15<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.66<\/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_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Public Sector Bank, Mortgage Major and Capital Market 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 public sector bank, mortgage major and capital market stocks and shortlist public sector bank, mortgage major and capital market 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 public sector bank, mortgage major and capital market stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks\"><\/span><strong>Risks to Consider Before Investing in Public Sector Bank, Mortgage Major and Capital Market 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 Central Bank of India, LIC Housing and AK Capital live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three banking and finance stocks cover a public sector bank, a mortgage lender and a merchant banker. Central Bank of India ranks second on FY26 revenue growth and FY26 net profit growth; LIC Housing leads on return on equity and the lowest P\/E; AK Capital leads on FY26 revenue growth and Q1 FY27 net profit growth.<\/p>\n<p>Across public sector bank, mortgage major and capital market 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 public sector bank, mortgage major and capital market 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_Public_Sector_Bank_Mortgage_Major_and_Capital_Market_Stocks\"><\/span><strong>FAQs on Public Sector Bank, Mortgage Major and Capital Market Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_public_sector_bank_mortgage_major_and_capital_market_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best public sector bank, mortgage major and capital market stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Central Bank of India, LIC Housing Finance and AK Capital Services stand out for their roadmaps in a public sector bank, a mortgage lender and a merchant banker. FY26 revenue growth was 7.9% at Central Bank of India, 2.6% at LIC Housing and 18.4% at AK Capital, and return on equity ranges from 10.55% to 13.53%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Central_Bank_of_India_a_good_stock_to_buy_now\"><\/span><strong>Is Central Bank of India a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Central Bank of India has a return on equity of 12.31% and a P\/E of 5.94 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_Central_Bank_of_India_LIC_Housing_and_AK_Capital\"><\/span><strong>What is the P\/E ratio of Central Bank of India, LIC Housing and AK Capital?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 5.94 for Central Bank of India (industry 12.00), 5.15 for LIC Housing (industry 17.72) and 9.66 for AK Capital (industry 17.72). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_public_sector_bank_mortgage_major_and_capital_market_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these public sector bank, mortgage major and capital market stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing Finance has the highest return on equity at 13.53%, followed by Central Bank of India at 12.31% and AK Capital Services at 10.55%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_public_sector_bank_mortgage_major_and_capital_market_stocks\"><\/span><strong>What are the risks of investing in public sector bank, mortgage major and capital market 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_Central_Bank_of_India_LIC_Housing_and_AK_Capital_perform_in_Q1_FY27\"><\/span><strong>How did Central Bank of India, LIC Housing and AK Capital perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Central Bank of India reported revenue of Rs 10,714.39 crore, up 3.1% year on year, and net profit rose 5.4% to Rs 1,328.95 crore. LIC Housing Finance reported net profit rose 9.9% to Rs 1,499.03 crore. AK Capital Services reported revenue of Rs 140.27 crore, up 4.2% year on year, and net profit rose 18.2% to Rs 28.27 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_public_sector_bank_mortgage_major_and_capital_market_stocks_pay_dividends\"><\/span><strong>Do public sector bank, mortgage major and capital market stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> LIC Housing and AK Capital pay dividends. The dividend yield is 1.86% for LIC Housing and 3.46% for AK Capital, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_public_sector_bank_mortgage_major_and_capital_market_stocks_in_India\"><\/span><strong>How can I invest in public sector bank, mortgage major and capital market stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy public sector bank, mortgage major and capital market 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 public sector bank, mortgage major and capital market stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Central Bank of India, LIC Housing Finance and AK Capital Services stand out for their roadmaps in a public sector bank, a mortgage lender and a merchant banker. 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Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Central Bank of India, LIC Housing Finance and AK Capital Services compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":35,"featured_media":316141,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10968,11189,10588,13201,13202,12330],"class_list":["post-316142","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-ak-capital-services","tag-central-bank-of-india","tag-lic-housing-finance","tag-mortgage-major-and-capital-market-stocks","tag-mortgage-major-and-capital-market-stocks-to-buy","tag-public-sector-bank"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["316141"],"rank_math_title":["Public Sector Bank, Mortgage Major and Capital Market Stocks"],"rank_math_description":["Public sector bank, mortgage major and capital market stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["public sector bank, mortgage major and capital market 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-public-sector-bank-mortgage-major-and-capital-market-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316142","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\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=316142"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316142\/revisions"}],"predecessor-version":[{"id":316143,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316142\/revisions\/316143"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/316141"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=316142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=316142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=316142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}