{"id":316175,"date":"2026-10-19T11:58:39","date_gmt":"2026-10-19T06:28:39","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=316175"},"modified":"2026-10-19T11:58:39","modified_gmt":"2026-10-19T06:28:39","slug":"government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/","title":{"rendered":"3 Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks With a Strong Future Roadmap: IDBI Bank, Aadhar Housing Finance and Motilal Oswal Financial Services"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>IDBI Bank Rs 84.12, P\/E 9.57. Aadhar Housing Finance Rs 447.00, P\/E 17.33. Motilal Oswal Rs 1,057.60, P\/E 30.89. 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;\">Government-owned bank, housing finance specialist and brokerage group stocks with the clearest long-term roadmaps today include IDBI Bank in retail and corporate banking with a growing deposit franchise, Aadhar Housing Finance in affordable home loans to low and middle income households, mostly in smaller cities and Motilal Oswal in broking, wealth management, asset management and housing finance under one financial services group. FY26 revenue growth was 4.6% at IDBI Bank, 18.6% at Aadhar Housing Finance and 11.9% at Motilal Oswal. P\/E stands at 9.57 for IDBI Bank (industry 12.00), 17.33 for Aadhar Housing Finance (industry 17.72) and 30.89 for Motilal Oswal (industry 34.91). 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>Government-owned bank, housing finance specialist and brokerage group stocks give investors exposure to bank loans, affordable home loans and investment services. Credit growth, funding costs and market activity decide how much of that demand turns into profit.<\/p>\n<p>This list covers three government-owned bank, housing finance specialist and brokerage group stocks: IDBI Bank for retail and corporate banking with a growing deposit franchise, Aadhar Housing Finance for affordable home loans to low and middle income households, mostly in smaller cities and Motilal Oswal Financial Services for broking, wealth management, asset management and housing finance under one financial services group. 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=government-owned-bank-housing-finance-specialist-and-brokerage-group-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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#What_Are_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks\" title=\"What Are Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks?\">What Are Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_at_a_Glance\" title=\"Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks at a Glance\">Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Why_Do_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks Have a Strong Roadmap in India?\">Why Do Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\" title=\"IDBI Bank: Retail and Corporate Banking Drive the Pipeline\">IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Aadhar_Housing_Finance_Affordable_Housing_Loans_Build_the_Next_Leg\" title=\"Aadhar Housing Finance: Affordable Housing Loans Build the Next Leg\">Aadhar Housing Finance: Affordable Housing Loans Build 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Motilal_Oswal_Financial_Services_Broking_and_Asset_Management_Anchor_the_Roadmap\" title=\"Motilal Oswal Financial Services: Broking and Asset Management Anchor the Roadmap\">Motilal Oswal Financial Services: Broking and Asset Management 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Best_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_in_India_IDBI_Bank_vs_Aadhar_Housing_Finance_vs_Motilal_Oswal_on_Key_Financials\" title=\"Best Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks in India: IDBI Bank vs Aadhar Housing Finance vs Motilal Oswal on Key Financials\">Best Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks in India: IDBI Bank vs Aadhar Housing Finance vs Motilal Oswal 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#How_to_Evaluate_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks to Buy Before You Invest\">How to Evaluate Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Risks_to_Consider_Before_Investing_in_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks\" title=\"Risks to Consider Before Investing in Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks\">Risks to Consider Before Investing in Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#FAQs_on_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks\" title=\"FAQs on Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks\">FAQs on Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Which_are_the_best_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best government-owned bank, housing finance specialist and brokerage group stocks in India with a strong roadmap?\">Which are the best government-owned bank, housing finance specialist and brokerage group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Is_IDBI_Bank_a_good_stock_to_buy_now\" title=\"Is IDBI Bank a good stock to buy now?\">Is IDBI 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#What_is_the_PE_ratio_of_IDBI_Bank_Aadhar_Housing_Finance_and_Motilal_Oswal\" title=\"What is the P\/E ratio of IDBI Bank, Aadhar Housing Finance and Motilal Oswal?\">What is the P\/E ratio of IDBI Bank, Aadhar Housing Finance and Motilal Oswal?<\/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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Which_of_these_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_has_the_highest_return_on_equity\" title=\"Which of these government-owned bank, housing finance specialist and brokerage group stocks has the highest return on equity?\">Which of these government-owned bank, housing finance specialist and brokerage group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#What_are_the_risks_of_investing_in_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks\" title=\"What are the risks of investing in government-owned bank, housing finance specialist and brokerage group stocks?\">What are the risks of investing in government-owned bank, housing finance specialist and brokerage group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#How_did_IDBI_Bank_Aadhar_Housing_Finance_and_Motilal_Oswal_perform_in_Q1_FY27\" title=\"How did IDBI Bank, Aadhar Housing Finance and Motilal Oswal perform in Q1 FY27?\">How did IDBI Bank, Aadhar Housing Finance and Motilal Oswal 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#Do_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_pay_dividends\" title=\"Do government-owned bank, housing finance specialist and brokerage group stocks pay dividends?\">Do government-owned bank, housing finance specialist and brokerage group 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\/government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks-roadmap-signal-list\/#How_can_I_invest_in_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_in_India\" title=\"How can I invest in government-owned bank, housing finance specialist and brokerage group stocks in India?\">How can I invest in government-owned bank, housing finance specialist and brokerage group stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks\"><\/span><strong>What Are Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Government-owned bank, housing finance specialist and brokerage group 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=\"Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_at_a_Glance\"><\/span><strong>Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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 government-owned bank, housing finance specialist and brokerage group 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\/idbi\/idbi-bank-ltd-share-price-today\">IDBI Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">84.12<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">89,460<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/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;\">15.39%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/aadharhfc\/aadhar-housing-finance-ltd-share-price-today\">Aadhar Housing Finance<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">447.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19,778<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.33<\/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;\">14.53%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/motilalofs\/motilal-oswal-financial-services-ltd-share-price-today\">Motilal Oswal Financial Services<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,057.60<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">61,262<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.89<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">34.91<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.50%<\/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_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Government-owned bank, housing finance specialist and brokerage group stocks have a strong roadmap in India because retail and corporate credit, home ownership in smaller cities and rising investor participation keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Bank credit:<\/strong> Households and companies borrow more.<\/li>\n<li><strong>Affordable housing:<\/strong> Smaller cities see more first-time home buyers.<\/li>\n<li><strong>Investor participation:<\/strong> More households trade and invest.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"IDBI_Bank_Retail_and_Corporate_Banking_Drive_the_Pipeline\"><\/span><strong>IDBI Bank: Retail and Corporate Banking Drive the Pipeline<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>IDBI Bank&#8217;s roadmap rests on retail and corporate banking with a growing deposit franchise, with loan growth and a cleaner balance sheet supporting earnings.<\/p>\n<p>Revenue grew from Rs 23,235.02 crore in FY22 to Rs 35,631.19 crore in FY26, a 53.4% rise, and FY26 revenue was 4.6% higher than FY25. FY26 net profit rose 20.6% to Rs 9,236.61 crore. Over four years, net profit rose from Rs 2,557.07 crore in FY22 to Rs 9,236.61 crore. In Q1 FY27, revenue grew 1.6% to Rs 8,633.28 crore, and net profit rose 5.3% to Rs 2,130.57 crore.<\/p>\n<p>Return on equity is 15.39%. At a P\/E of 9.57 against an industry P\/E of 12.00, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 9.57 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=\"Aadhar_Housing_Finance_Affordable_Housing_Loans_Build_the_Next_Leg\"><\/span><strong>Aadhar Housing Finance: Affordable Housing Loans Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Aadhar Housing Finance&#8217;s roadmap rests on affordable home loans to low and middle income households, mostly in smaller cities, with rising home ownership supporting loan demand.<\/p>\n<p>Revenue grew from Rs 1,728.56 crore in FY22 to Rs 3,686.88 crore in FY26, a 113.3% rise, and FY26 revenue was 18.6% higher than FY25. FY26 net profit rose 20.2% to Rs 1,095.88 crore. Over four years, net profit rose from Rs 444.85 crore in FY22 to Rs 1,095.88 crore. In Q1 FY27, revenue grew 17.1% to Rs 997.19 crore, and net profit rose 19.0% to Rs 282.36 crore.<\/p>\n<p>Debt to equity is 2.49 and return on equity is 14.53%. At a P\/E of 17.33 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 17.33 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=\"Motilal_Oswal_Financial_Services_Broking_and_Asset_Management_Anchor_the_Roadmap\"><\/span><strong>Motilal Oswal Financial Services: Broking and Asset Management Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Motilal Oswal&#8217;s roadmap rests on broking, wealth management, asset management and housing finance under one financial services group, with rising equity participation supporting its market-linked businesses.<\/p>\n<p>Revenue grew from Rs 4,316.41 crore in FY22 to Rs 9,416.42 crore in FY26, a 118.2% rise, and FY26 revenue was 11.9% higher than FY25. FY26 net profit was Rs 1,865.43 crore. In Q1 FY27, revenue grew 25.1% to Rs 3,432.23 crore, and net profit rose 10.2% to Rs 1,273.71 crore.<\/p>\n<p>Debt to equity is 1.65 and return on equity is 14.50%. Motilal Oswal paid a dividend of Rs 6 per share for FY26, a yield of 0.59%. At a P\/E of 30.89 against an industry P\/E of 34.91, the stock trades below its industry multiple.<\/p>\n<p>What to watch: The P\/E of 30.89 against an industry P\/E of 34.91 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_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_in_India_IDBI_Bank_vs_Aadhar_Housing_Finance_vs_Motilal_Oswal_on_Key_Financials\"><\/span><strong>Best Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks in India: IDBI Bank vs Aadhar Housing Finance vs Motilal Oswal on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best government-owned bank, housing finance specialist and brokerage group stocks in India, IDBI Bank leads on return on equity and the lowest P\/E; Aadhar Housing Finance leads on FY26 revenue growth and Q1 FY27 net profit growth; Motilal Oswal leads on Q1 FY27 revenue growth and dividend yield. 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;\">IDBI Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aadhar Housing Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Motilal Oswal<\/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;\">35,631.19<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3,686.88<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9,416.42<\/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;\">4.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.9%<\/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;\">9,236.61<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,095.88<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,865.43<\/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;\">1.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.1%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.1%<\/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;\">5.3%<\/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;\">10.2%<\/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;\">15.39%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.53%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.50%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">9.57<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">17.33<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">30.89<\/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;\">0.00%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.00%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.59%<\/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_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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 government-owned bank, housing finance specialist and brokerage group stocks and shortlist government-owned bank, housing finance specialist and brokerage group 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 government-owned bank, housing finance specialist and brokerage group stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks\"><\/span><strong>Risks to Consider Before Investing in Government-Owned Bank, Housing Finance Specialist and Brokerage Group 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 IDBI Bank, Aadhar Housing Finance and Motilal Oswal 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 housing lender and a broking group. IDBI Bank leads on return on equity and the lowest P\/E; Aadhar Housing Finance leads on FY26 revenue growth and Q1 FY27 net profit growth; Motilal Oswal leads on Q1 FY27 revenue growth and dividend yield.<\/p>\n<p>Across government-owned bank, housing finance specialist and brokerage group 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 government-owned bank, housing finance specialist and brokerage group 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_Government-Owned_Bank_Housing_Finance_Specialist_and_Brokerage_Group_Stocks\"><\/span><strong>FAQs on Government-Owned Bank, Housing Finance Specialist and Brokerage Group Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best government-owned bank, housing finance specialist and brokerage group stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank, Aadhar Housing Finance and Motilal Oswal Financial Services stand out for their roadmaps in a public sector bank, a housing lender and a broking group. FY26 revenue growth was 4.6% at IDBI Bank, 18.6% at Aadhar Housing Finance and 11.9% at Motilal Oswal, and return on equity ranges from 14.50% to 15.39%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_IDBI_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is IDBI Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank has a return on equity of 15.39% and a P\/E of 9.57 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_IDBI_Bank_Aadhar_Housing_Finance_and_Motilal_Oswal\"><\/span><strong>What is the P\/E ratio of IDBI Bank, Aadhar Housing Finance and Motilal Oswal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 9.57 for IDBI Bank (industry 12.00), 17.33 for Aadhar Housing Finance (industry 17.72) and 30.89 for Motilal Oswal (industry 34.91). All of them trade below the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these government-owned bank, housing finance specialist and brokerage group stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank has the highest return on equity at 15.39%, followed by Aadhar Housing Finance at 14.53% and Motilal Oswal Financial Services at 14.50%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks\"><\/span><strong>What are the risks of investing in government-owned bank, housing finance specialist and brokerage group 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_IDBI_Bank_Aadhar_Housing_Finance_and_Motilal_Oswal_perform_in_Q1_FY27\"><\/span><strong>How did IDBI Bank, Aadhar Housing Finance and Motilal Oswal perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore. Aadhar Housing Finance reported revenue of Rs 997.19 crore, up 17.1% year on year, and net profit rose 19.0% to Rs 282.36 crore. Motilal Oswal Financial Services reported revenue of Rs 3,432.23 crore, up 25.1% year on year, and net profit rose 10.2% to Rs 1,273.71 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_pay_dividends\"><\/span><strong>Do government-owned bank, housing finance specialist and brokerage group stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Motilal Oswal pays dividends. The dividend yield is 0.59% for Motilal Oswal, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_government-owned_bank_housing_finance_specialist_and_brokerage_group_stocks_in_India\"><\/span><strong>How can I invest in government-owned bank, housing finance specialist and brokerage group stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy government-owned bank, housing finance specialist and brokerage group 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 government-owned bank, housing finance specialist and brokerage group stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank, Aadhar Housing Finance and Motilal Oswal Financial Services stand out for their roadmaps in a public sector bank, a housing lender and a broking group. FY26 revenue growth was 4.6% at IDBI Bank, 18.6% at Aadhar Housing Finance and 11.9% at Motilal Oswal, and return on equity ranges from 14.50% to 15.39%.\"}},{\"@type\":\"Question\",\"name\":\"Is IDBI Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank has a return on equity of 15.39% and a P\/E of 9.57 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 IDBI Bank, Aadhar Housing Finance and Motilal Oswal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 9.57 for IDBI Bank (industry 12.00), 17.33 for Aadhar Housing Finance (industry 17.72) and 30.89 for Motilal Oswal (industry 34.91). All of them trade below the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these government-owned bank, housing finance specialist and brokerage group stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank has the highest return on equity at 15.39%, followed by Aadhar Housing Finance at 14.53% and Motilal Oswal Financial Services at 14.50%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in government-owned bank, housing finance specialist and brokerage group 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 IDBI Bank, Aadhar Housing Finance and Motilal Oswal perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"IDBI Bank reported revenue of Rs 8,633.28 crore, up 1.6% year on year, and net profit rose 5.3% to Rs 2,130.57 crore. Aadhar Housing Finance reported revenue of Rs 997.19 crore, up 17.1% year on year, and net profit rose 19.0% to Rs 282.36 crore. Motilal Oswal Financial Services reported revenue of Rs 3,432.23 crore, up 25.1% year on year, and net profit rose 10.2% to Rs 1,273.71 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do government-owned bank, housing finance specialist and brokerage group stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Motilal Oswal pays dividends. The dividend yield is 0.59% for Motilal Oswal, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in government-owned bank, housing finance specialist and brokerage group stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy government-owned bank, housing finance specialist and brokerage group 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>IDBI Bank, Aadhar Housing Finance and Motilal Oswal Financial Services compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":34,"featured_media":316174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10948,13212,13213,13214,11257,10583],"class_list":["post-316175","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aadhar-housing-finance","tag-government-owned-bank","tag-housing-finance-specialist-and-brokerage-group-stocks","tag-housing-finance-specialist-and-brokerage-group-stocks-to-buy","tag-idbi-bank","tag-motilal-oswal-financial-services"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["316174"],"rank_math_title":["state-owned bank, housing lender and brokerage stocks"],"rank_math_description":["Government-owned bank, housing finance specialist and brokerage group stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["government-owned bank, housing finance specialist and brokerage group 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-government-owned-bank-housing-finance-specialist-and-brokerage-group-stocks.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316175","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\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=316175"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316175\/revisions"}],"predecessor-version":[{"id":316176,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316175\/revisions\/316176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/316174"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=316175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=316175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=316175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}