{"id":316912,"date":"2026-10-19T14:38:24","date_gmt":"2026-10-19T09:08:24","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=316912"},"modified":"2026-10-19T14:38:24","modified_gmt":"2026-10-19T09:08:24","slug":"kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/","title":{"rendered":"3 Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks With a Strong Future Roadmap: Federal Bank, Aptus Value Housing Finance India and KFin Technologies"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Federal Bank Rs 338.00, P\/E 16.38. Aptus Rs 222.50, P\/E 11.03. KFin Rs 887.00, P\/E 42.41. Closing prices of 14 Oct 2026.<\/em><\/p>\n<div style=\"background:#F0F9FF;border-left:4px solid #2E7D32;border-radius:6px;padding:14px 18px;margin:18px 0;\">\n<p style=\"margin:0;color:#1F4E79;font-size:14px;\"><strong>Quick Answer<\/strong><\/p>\n<p style=\"margin:8px 0 0;\">Kerala-linked bank, self-employed home loan firm and fund servicer stocks with the clearest long-term roadmaps today include Federal Bank in retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, Aptus in home loans for self-employed and low-income households, mainly in South India and KFin in registrar and transfer services, mutual fund servicing and issuer solutions. FY26 revenue growth was 7.0% at Federal Bank, 24.9% at Aptus and 19.1% at KFin. P\/E stands at 16.38 for Federal Bank (industry 12.00), 11.03 for Aptus (industry 17.72) and 42.41 for KFin (industry 42.30). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Kerala-linked bank, self-employed home loan firm and fund servicer stocks give investors exposure to bank loans, affordable home loans and investor servicing. Credit growth, funding costs and service volumes decide how much of that demand turns into profit.<\/p>\n<p>This list covers three Kerala-linked bank, self-employed home loan firm and fund servicer stocks: Federal Bank for retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, Aptus Value Housing Finance India for home loans for self-employed and low-income households, mainly in South India and KFin Technologies for registrar and transfer services, mutual fund servicing and issuer solutions. Every figure comes from the latest reported financials and the 14 October 2026 market close. Companies without complete current figures were left out.<\/p>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&#038;utm_medium=kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#What_Are_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks\" title=\"What Are Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks?\">What Are Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_at_a_Glance\" title=\"Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks at a Glance\">Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Why_Do_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks Have a Strong Roadmap in India?\">Why Do Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks Have a Strong Roadmap in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Federal_Bank_NRI_and_Retail_Banking_Anchor_the_Roadmap\" title=\"Federal Bank: NRI and Retail Banking Anchor the Roadmap\">Federal Bank: NRI and Retail Banking Anchor the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-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\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#KFin_Technologies_Investor_Services_Platform_Anchors_the_Roadmap\" title=\"KFin Technologies: Investor Services Platform Anchors the Roadmap\">KFin Technologies: Investor Services Platform Anchors the Roadmap<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Best_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_in_India_Federal_Bank_vs_Aptus_vs_KFin_on_Key_Financials\" title=\"Best Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks in India: Federal Bank vs Aptus vs KFin on Key Financials\">Best Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks in India: Federal Bank vs Aptus vs KFin on Key Financials<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#How_to_Evaluate_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks to Buy Before You Invest\">How to Evaluate Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks to Buy Before You Invest<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Risks_to_Consider_Before_Investing_in_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks\" title=\"Risks to Consider Before Investing in Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks\">Risks to Consider Before Investing in Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Final_Take_Which_Stock_Has_the_Strongest_Roadmap\" title=\"Final Take: Which Stock Has the Strongest Roadmap?\">Final Take: Which Stock Has the Strongest Roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#FAQs_on_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks\" title=\"FAQs on Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks\">FAQs on Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Which_are_the_best_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India with a strong roadmap?\">Which are the best Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India with a strong roadmap?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Is_Federal_Bank_a_good_stock_to_buy_now\" title=\"Is Federal Bank a good stock to buy now?\">Is Federal Bank a good stock to buy now?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#What_is_the_PE_ratio_of_Federal_Bank_Aptus_and_KFin\" title=\"What is the P\/E ratio of Federal Bank, Aptus and KFin?\">What is the P\/E ratio of Federal Bank, Aptus and KFin?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Which_of_these_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_has_the_highest_return_on_equity\" title=\"Which of these Kerala-linked bank, self-employed home loan firm and fund servicer stocks has the highest return on equity?\">Which of these Kerala-linked bank, self-employed home loan firm and fund servicer stocks has the highest return on equity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#What_are_the_risks_of_investing_in_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks\" title=\"What are the risks of investing in Kerala-linked bank, self-employed home loan firm and fund servicer stocks?\">What are the risks of investing in Kerala-linked bank, self-employed home loan firm and fund servicer stocks?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#How_did_Federal_Bank_Aptus_and_KFin_perform_in_Q1_FY27\" title=\"How did Federal Bank, Aptus and KFin perform in Q1 FY27?\">How did Federal Bank, Aptus and KFin perform in Q1 FY27?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#Do_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_pay_dividends\" title=\"Do Kerala-linked bank, self-employed home loan firm and fund servicer stocks pay dividends?\">Do Kerala-linked bank, self-employed home loan firm and fund servicer stocks pay dividends?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-roadmap-keystone-list\/#How_can_I_invest_in_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_in_India\" title=\"How can I invest in Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India?\">How can I invest in Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks\"><\/span><strong>What Are Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kerala-linked bank, self-employed home loan firm and fund servicer stocks are shares of companies that lend, insure or take deposits for households and businesses. Results depend on credit growth, funding costs and asset quality, so asset quality and funding costs separate the stronger names.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_at_a_Glance\"><\/span><strong>Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The table compares size, valuation, return on equity and debt for the three Kerala-linked bank, self-employed home loan firm and fund servicer stocks as of the 14 Oct 2026 close.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Company<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">CMP (Rs)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Market Cap (Rs Cr)<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Industry P\/E<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">ROE<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/federalbnk\/the-federal-bank-ltd-share-price-today\">Federal Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">338.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">79,324<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.17%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/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\/kfintech\/kfin-technologies-ltd-share-price-today\">KFin Technologies<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">887.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14,487<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">42.41<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">42.30<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.54%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and finance stocks, Federal Bank trades at a premium to the industry P\/E, while Aptus trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kerala-linked bank, self-employed home loan firm and fund servicer stocks have a strong roadmap in India because retail and MSME credit, home ownership among self-employed families and rising mutual fund participation keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Retail credit:<\/strong> Households and small firms borrow from banks.<\/li>\n<li><strong>Affordable housing:<\/strong> Self-employed families seek home loans.<\/li>\n<li><strong>Fund servicing:<\/strong> More investors mean more registrar work.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Federal_Bank_NRI_and_Retail_Banking_Anchor_the_Roadmap\"><\/span><strong>Federal Bank: NRI and Retail Banking Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Federal Bank&#8217;s roadmap rests on retail, MSME and NRI-linked banking from a Kerala-based private bank that has widened its reach across India, with remittance flows and retail lending supporting growth.<\/p>\n<p>Revenue grew from Rs 16,502.46 crore in FY22 to Rs 34,272.42 crore in FY26, a 107.7% rise, and FY26 revenue was 7.0% higher than FY25. FY26 net profit rose 6.7% to Rs 4,483.38 crore. Over four years, net profit rose from Rs 1,965.40 crore in FY22 to Rs 4,483.38 crore. In Q1 FY27, revenue grew 7.5% to Rs 8,943.11 crore, and net profit rose 37.1% to Rs 1,297.61 crore.<\/p>\n<p>Return on equity is 12.17%. Federal Bank paid a dividend of Rs 1.2 per share for FY26, a yield of 0.37%. At a P\/E of 16.38 against an industry P\/E of 12.00, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 16.38 sits above the industry P\/E of 12.00, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"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=\"KFin_Technologies_Investor_Services_Platform_Anchors_the_Roadmap\"><\/span><strong>KFin Technologies: Investor Services Platform Anchors the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>KFin&#8217;s roadmap rests on registrar and transfer services, mutual fund servicing and issuer solutions, with rising investor participation supporting service volumes.<\/p>\n<p>Revenue grew from Rs 645.56 crore in FY22 to Rs 1,343.92 crore in FY26, a 108.2% rise, and FY26 revenue was 19.1% higher than FY25. FY26 net profit rose 3.3% to Rs 343.71 crore. Over four years, net profit rose from Rs 148.55 crore in FY22 to Rs 343.71 crore. In Q1 FY27, revenue grew 29.1% to Rs 366.90 crore. Operating margin was 42.96% in FY26.<\/p>\n<p>Debt to equity is 0.03 and return on equity is 20.54%. FY26 operating cash flow was Rs 369.60 crore against capital expenditure of Rs 110.92 crore. KFin paid a dividend of Rs 12 per share for FY26, a yield of 1.43%. At a P\/E of 42.41 against an industry P\/E of 42.30, the stock trades in line with its industry multiple.<\/p>\n<p>What to watch: The P\/E of 42.41 is a modest premium to the industry P\/E of 42.30, so the next quarters&#8217; growth is the figure to follow.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_in_India_Federal_Bank_vs_Aptus_vs_KFin_on_Key_Financials\"><\/span><strong>Best Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks in India: Federal Bank vs Aptus vs KFin on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India, Federal Bank ranks second on FY26 net profit growth and the lowest P\/E; Aptus leads on FY26 revenue growth and FY26 net profit growth; KFin leads on Q1 FY27 revenue growth and return on equity. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Federal Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Aptus<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">KFin<\/th>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">34,272.42<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,245.48<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,343.92<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 revenue growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.0%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">24.9%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">19.1%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit (Rs Cr)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">4,483.38<\/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;\">343.71<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">FY26 net profit growth<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">6.7%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">25.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.3%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Q1 FY27 revenue growth (YoY)<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">7.5%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">15.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">29.1%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">12.17%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">18.64%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">20.54%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">P\/E ratio<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">16.38<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.03<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">42.41<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Dividend yield<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.37%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">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_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks to Buy Before You Invest<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A short checklist keeps the research consistent when you screen Kerala-linked bank, self-employed home loan firm and fund servicer stocks and shortlist Kerala-linked bank, self-employed home loan firm and fund servicer stocks to buy.<\/p>\n<ol>\n<li>Compare each stock&#8217;s P\/E with its industry P\/E, which differs by company here.<\/li>\n<li>Check loan growth, asset quality and capital adequacy together.<\/li>\n<li>Check whether revenue growth is turning into profit growth, not only sales.<\/li>\n<li>Read loan growth against funding costs to see how growth is financed.<\/li>\n<li>Watch capital adequacy and asset quality before sizing a position.<\/li>\n<li>Spread exposure across companies and business lines instead of one demand cycle.<\/li>\n<\/ol>\n<p style=\"margin-top:24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Check the Univest Screener for live data on these Kerala-linked bank, self-employed home loan firm and fund servicer stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks\"><\/span><strong>Risks to Consider Before Investing in Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer 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 Federal Bank, Aptus and KFin 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 private bank, a housing lender and a registrar. Federal Bank ranks second on FY26 net profit growth and the lowest P\/E; Aptus leads on FY26 revenue growth and FY26 net profit growth; KFin leads on Q1 FY27 revenue growth and return on equity.<\/p>\n<p>Across Kerala-linked bank, self-employed home loan firm and fund servicer stocks, each roadmap still has to turn growth into steady profit, so independent research and position sizing matter. Investors should consult a SEBI-registered advisor before acting on any of the Kerala-linked bank, self-employed home loan firm and fund servicer stocks to buy discussed here.<\/p>\n<div style=\"background:#CC0000;border-radius:8px;padding:16px 20px;margin:24px 0;\">\n<p style=\"color:#FFFFFF;font-size:13px;line-height:1.7;margin:0;\"><strong style=\"color:#FFFFFF;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/p><\/div>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_on_Kerala-Linked_Bank_Self-Employed_Home_Loan_Firm_and_Fund_Servicer_Stocks\"><\/span><strong>FAQs on Kerala-Linked Bank, Self-Employed Home Loan Firm and Fund Servicer Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank, Aptus Value Housing Finance India and KFin Technologies stand out for their roadmaps in a private bank, a housing lender and a registrar. FY26 revenue growth was 7.0% at Federal Bank, 24.9% at Aptus and 19.1% at KFin, and return on equity ranges from 12.17% to 20.54%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Federal_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is Federal Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank has a return on equity of 12.17% and a P\/E of 16.38 against an industry P\/E of 12.00. Valuation, asset quality and funding costs move results. This article is not investment advice, so consult a SEBI-registered advisor before deciding.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_PE_ratio_of_Federal_Bank_Aptus_and_KFin\"><\/span><strong>What is the P\/E ratio of Federal Bank, Aptus and KFin?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 16.38 for Federal Bank (industry 12.00), 11.03 for Aptus (industry 17.72) and 42.41 for KFin (industry 42.30). Only Federal Bank and KFin trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these Kerala-linked bank, self-employed home loan firm and fund servicer stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> KFin Technologies has the highest return on equity at 20.54%, followed by Aptus Value Housing Finance India at 18.64% and Federal Bank at 12.17%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks\"><\/span><strong>What are the risks of investing in Kerala-linked bank, self-employed home loan firm and fund servicer 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_Federal_Bank_Aptus_and_KFin_perform_in_Q1_FY27\"><\/span><strong>How did Federal Bank, Aptus and KFin perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Federal Bank reported revenue of Rs 8,943.11 crore, up 7.5% year on year, and net profit rose 37.1% to Rs 1,297.61 crore. 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. KFin Technologies reported revenue of Rs 366.90 crore, up 29.1% year on year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_pay_dividends\"><\/span><strong>Do Kerala-linked bank, self-employed home loan firm and fund servicer stocks pay dividends?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Yes, all three companies pay dividends. The dividend yield is 0.37% for Federal Bank, 2.07% for Aptus and 1.43% for KFin, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_Kerala-linked_bank_self-employed_home_loan_firm_and_fund_servicer_stocks_in_India\"><\/span><strong>How can I invest in Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy Kerala-linked bank, self-employed home loan firm and fund servicer stocks through a demat and trading account on NSE or BSE after checking each company&#8217;s financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.<\/p>\n<div class=\"faq-schema\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Which are the best Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank, Aptus Value Housing Finance India and KFin Technologies stand out for their roadmaps in a private bank, a housing lender and a registrar. FY26 revenue growth was 7.0% at Federal Bank, 24.9% at Aptus and 19.1% at KFin, and return on equity ranges from 12.17% to 20.54%.\"}},{\"@type\":\"Question\",\"name\":\"Is Federal Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank has a return on equity of 12.17% and a P\/E of 16.38 against an industry P\/E of 12.00. 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A rise in overdue loans can reduce profit.\"}},{\"@type\":\"Question\",\"name\":\"How did Federal Bank, Aptus and KFin perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Federal Bank reported revenue of Rs 8,943.11 crore, up 7.5% year on year, and net profit rose 37.1% to Rs 1,297.61 crore. 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. KFin Technologies reported revenue of Rs 366.90 crore, up 29.1% year on year.\"}},{\"@type\":\"Question\",\"name\":\"Do Kerala-linked bank, self-employed home loan firm and fund servicer stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 0.37% for Federal Bank, 2.07% for Aptus and 1.43% for KFin, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in Kerala-linked bank, self-employed home loan firm and fund servicer stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy Kerala-linked bank, self-employed home loan firm and fund servicer stocks through a demat and trading account on NSE or BSE after checking each company's financials, margins and valuation. The Univest Screener lets you compare fundamentals before placing an order. Investments in securities are subject to market risk, so consider your risk profile first.\"}}]}<\/script><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Federal Bank, Aptus Value Housing Finance India and KFin Technologies compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":34,"featured_media":316911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[10587,716,13437,11134,13438,13439],"class_list":["post-316912","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-aptus-value-housing-finance-india","tag-federal-bank","tag-kerala-linked-bank","tag-kfin-technologies","tag-self-employed-home-loan-firm-and-fund-servicer-stocks","tag-self-employed-home-loan-firm-and-fund-servicer-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["316911"],"rank_math_title":["Kerala-linked bank, home loan firm and fund servicer stocks"],"rank_math_description":["Kerala-linked bank, self-employed home loan firm and fund servicer stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["Kerala-linked bank, self-employed home loan firm and fund servicer stocks"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/10\/3-kerala-linked-bank-self-employed-home-loan-firm-and-fund-servicer-stocks-with.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316912","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=316912"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316912\/revisions"}],"predecessor-version":[{"id":316913,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316912\/revisions\/316913"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/316911"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=316912"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=316912"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=316912"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}