{"id":316945,"date":"2026-10-19T14:43:11","date_gmt":"2026-10-19T09:13:11","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=316945"},"modified":"2026-10-19T14:43:11","modified_gmt":"2026-10-19T09:13:11","slug":"mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/","title":{"rendered":"3 Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks With a Strong Future Roadmap: Kotak Mahindra Bank, Mahindra &#038; Mahindra Financial Services and HDFC Life Insurance Company"},"content":{"rendered":"<p style=\"border-left:4px solid #1F4E79;background:#EBF3FB;padding:10px 16px;font-style:italic;\"><em>Kotak Bank Rs 447.40, P\/E 21.50. Mahindra Finance Rs 311.55, P\/E 13.25. HDFC Life Rs 553.00, P\/E 59.96. 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;\">Mumbai-based bank, rural auto lender and savings insurer stocks with the clearest long-term roadmaps today include Kotak Bank in retail and commercial banking with a large deposit base and group businesses in insurance, asset management and broking, Mahindra Finance in tractor, auto, utility vehicle and small business loans in rural and semi-urban India and HDFC Life in life insurance covering protection, savings, annuity and group products. FY26 revenue growth was 3.8% at Kotak Bank, 13.8% at Mahindra Finance and 3.1% at HDFC Life. P\/E stands at 21.50 for Kotak Bank (industry 12.00), 13.25 for Mahindra Finance (industry 17.72) and 59.96 for HDFC Life (industry 10.30). Demand cycles, input costs and valuation decide how much of that growth the market keeps paying for, so each company&#8217;s risks need equal attention.<\/p>\n<\/p><\/div>\n<p>Mumbai-based bank, rural auto lender and savings insurer stocks give investors exposure to bank loans, rural vehicle finance and insurance cover. Credit growth, funding costs and policy sales decide how much of that demand turns into profit.<\/p>\n<p>This list covers three Mumbai-based bank, rural auto lender and savings insurer stocks: Kotak Mahindra Bank for retail and commercial banking with a large deposit base and group businesses in insurance, asset management and broking, Mahindra &amp; Mahindra Financial Services for tractor, auto, utility vehicle and small business loans in rural and semi-urban India and HDFC Life Insurance Company for life insurance covering protection, savings, annuity and group products. 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=mumbai-based-bank-rural-auto-lender-and-savings-insurer-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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#What_Are_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks\" title=\"What Are Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks?\">What Are Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_at_a_Glance\" title=\"Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks at a Glance\">Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Why_Do_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_Have_a_Strong_Roadmap_in_India\" title=\"Why Do Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks Have a Strong Roadmap in India?\">Why Do Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Kotak_Mahindra_Bank_Banking_and_Group_Businesses_Anchor_the_Roadmap\" title=\"Kotak Mahindra Bank: Banking and Group Businesses Anchor the Roadmap\">Kotak Mahindra Bank: Banking and Group Businesses 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Mahindra_Mahindra_Financial_Services_Rural_Vehicle_and_Tractor_Loans_Build_the_Next_Leg\" title=\"Mahindra &amp; Mahindra Financial Services: Rural Vehicle and Tractor Loans Build the Next Leg\">Mahindra &amp; Mahindra Financial Services: Rural Vehicle and Tractor 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#HDFC_Life_Insurance_Company_Life_Insurance_Premiums_Anchor_the_Roadmap\" title=\"HDFC Life Insurance Company: Life Insurance Premiums Anchor the Roadmap\">HDFC Life Insurance Company: Life Insurance Premiums 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Best_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_in_India_Kotak_Bank_vs_Mahindra_Finance_vs_HDFC_Life_on_Key_Financials\" title=\"Best Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks in India: Kotak Bank vs Mahindra Finance vs HDFC Life on Key Financials\">Best Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks in India: Kotak Bank vs Mahindra Finance vs HDFC Life 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#How_to_Evaluate_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_to_Buy_Before_You_Invest\" title=\"How to Evaluate Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks to Buy Before You Invest\">How to Evaluate Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Risks_to_Consider_Before_Investing_in_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks\" title=\"Risks to Consider Before Investing in Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks\">Risks to Consider Before Investing in Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#FAQs_on_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks\" title=\"FAQs on Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks\">FAQs on Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Which_are_the_best_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_in_India_with_a_strong_roadmap\" title=\"Which are the best Mumbai-based bank, rural auto lender and savings insurer stocks in India with a strong roadmap?\">Which are the best Mumbai-based bank, rural auto lender and savings insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Is_Kotak_Mahindra_Bank_a_good_stock_to_buy_now\" title=\"Is Kotak Mahindra Bank a good stock to buy now?\">Is Kotak Mahindra 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#What_is_the_PE_ratio_of_Kotak_Bank_Mahindra_Finance_and_HDFC_Life\" title=\"What is the P\/E ratio of Kotak Bank, Mahindra Finance and HDFC Life?\">What is the P\/E ratio of Kotak Bank, Mahindra Finance and HDFC Life?<\/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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Which_of_these_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_has_the_highest_return_on_equity\" title=\"Which of these Mumbai-based bank, rural auto lender and savings insurer stocks has the highest return on equity?\">Which of these Mumbai-based bank, rural auto lender and savings insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#What_are_the_risks_of_investing_in_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks\" title=\"What are the risks of investing in Mumbai-based bank, rural auto lender and savings insurer stocks?\">What are the risks of investing in Mumbai-based bank, rural auto lender and savings insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#How_did_Kotak_Bank_Mahindra_Finance_and_HDFC_Life_perform_in_Q1_FY27\" title=\"How did Kotak Bank, Mahindra Finance and HDFC Life perform in Q1 FY27?\">How did Kotak Bank, Mahindra Finance and HDFC Life 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#Do_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_pay_dividends\" title=\"Do Mumbai-based bank, rural auto lender and savings insurer stocks pay dividends?\">Do Mumbai-based bank, rural auto lender and savings insurer 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\/mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-roadmap-keystone-list\/#How_can_I_invest_in_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_in_India\" title=\"How can I invest in Mumbai-based bank, rural auto lender and savings insurer stocks in India?\">How can I invest in Mumbai-based bank, rural auto lender and savings insurer stocks in India?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks\"><\/span><strong>What Are Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mumbai-based bank, rural auto lender and savings insurer 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=\"Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_at_a_Glance\"><\/span><strong>Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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 Mumbai-based bank, rural auto lender and savings insurer 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\/kotakbank\/kotak-mahindra-bank-ltd-share-price-today\">Kotak Mahindra Bank<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">447.40<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">436,414<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">21.50<\/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;\">11.06%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/m&#038;mfin\/mahindra-mahindra-financial-services-ltd-share-price-today\">Mahindra &amp; Mahindra Financial Services<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">311.55<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">43,186<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.25<\/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;\">10.72%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\"><a href=\"https:\/\/univest.in\/stocks\/hdfclife\/hdfc-standard-life-insurance-co-ltd-share-price-today\">HDFC Life Insurance Company<\/a><\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">553.00<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">118,406<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">59.96<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.30<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.10%<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p>Among banking and insurance stocks, Kotak Bank and HDFC Life trade at a premium to the industry P\/E, while Mahindra Finance trades at a discount.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Do_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_Have_a_Strong_Roadmap_in_India\"><\/span><strong>Why Do Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks Have a Strong Roadmap in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mumbai-based bank, rural auto lender and savings insurer stocks have a strong roadmap in India because retail and commercial credit, rural vehicle demand and rising insurance cover keep adding business for these firms. Three drivers stand out.<\/p>\n<ul>\n<li><strong>Retail credit:<\/strong> Households and firms borrow from banks.<\/li>\n<li><strong>Rural demand:<\/strong> Farm and vehicle buyers in smaller towns seek loans.<\/li>\n<li><strong>Insurance reach:<\/strong> Families buy protection and savings plans.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Kotak_Mahindra_Bank_Banking_and_Group_Businesses_Anchor_the_Roadmap\"><\/span><strong>Kotak Mahindra Bank: Banking and Group Businesses Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Kotak Bank&#8217;s roadmap rests on retail and commercial banking with a large deposit base and group businesses in insurance, asset management and broking, with a diversified financial services group around the bank supporting earnings.<\/p>\n<p>Revenue grew from Rs 59,051.01 crore in FY22 to Rs 111,168.26 crore in FY26, an 88.3% rise, and FY26 revenue was 3.8% higher than FY25. FY26 net profit was Rs 19,180.63 crore. In Q1 FY27, revenue grew 12.6% to Rs 30,068.60 crore, and net profit rose 23.9% to Rs 5,487.06 crore.<\/p>\n<p>Return on equity is 11.06%. Kotak Bank paid a dividend of Rs 0.65 per share for FY26, a yield of 0.15%. At a P\/E of 21.50 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 21.50 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=\"Mahindra_Mahindra_Financial_Services_Rural_Vehicle_and_Tractor_Loans_Build_the_Next_Leg\"><\/span><strong>Mahindra &amp; Mahindra Financial Services: Rural Vehicle and Tractor Loans Build the Next Leg<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mahindra Finance&#8217;s roadmap rests on tractor, auto, utility vehicle and small business loans in rural and semi-urban India, with rural demand and a wide branch network supporting disbursements.<\/p>\n<p>Revenue grew from Rs 11,400.51 crore in FY22 to Rs 21,086.73 crore in FY26, an 85.0% rise, and FY26 revenue was 13.8% higher than FY25. FY26 net profit rose 26.5% to Rs 2,861.11 crore. Over four years, net profit rose from Rs 1,150.34 crore in FY22 to Rs 2,861.11 crore. In Q1 FY27, revenue grew 14.2% to Rs 5,724.81 crore.<\/p>\n<p>Debt to equity is 4.82 and return on equity is 10.72%. Mahindra Finance paid a dividend of Rs 7.5 per share for FY26, a yield of 2.41%. At a P\/E of 13.25 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 13.25 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=\"HDFC_Life_Insurance_Company_Life_Insurance_Premiums_Anchor_the_Roadmap\"><\/span><strong>HDFC Life Insurance Company: Life Insurance Premiums Anchor the Roadmap<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>HDFC Life&#8217;s roadmap rests on life insurance covering protection, savings, annuity and group products, with rising insurance penetration supporting premiums.<\/p>\n<p>Revenue grew from Rs 67,891.60 crore in FY22 to Rs 100,355.41 crore in FY26, a 47.8% rise, and FY26 revenue was 3.1% higher than FY25. FY26 net profit rose 5.6% to Rs 1,912.32 crore. Over four years, net profit rose from Rs 1,326.93 crore in FY22 to Rs 1,912.32 crore. In Q1 FY27, revenue grew 14.5% to Rs 33,929.83 crore, and net profit rose 11.5% to Rs 611.19 crore.<\/p>\n<p>Debt to equity is 0.16 and return on equity is 10.10%. HDFC Life paid a dividend of Rs 2.1 per share for FY26, a yield of 0.38%. At a P\/E of 59.96 against an industry P\/E of 10.30, the stock trades above its industry multiple.<\/p>\n<p>What to watch: The P\/E of 59.96 sits above the industry P\/E of 10.30, so earnings delivery matters for the valuation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Best_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_in_India_Kotak_Bank_vs_Mahindra_Finance_vs_HDFC_Life_on_Key_Financials\"><\/span><strong>Best Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks in India: Kotak Bank vs Mahindra Finance vs HDFC Life on Key Financials<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Among the best Mumbai-based bank, rural auto lender and savings insurer stocks in India, Kotak Bank leads on return on equity; Mahindra Finance leads on FY26 revenue growth and the lowest P\/E; HDFC Life leads on Q1 FY27 revenue growth. The table puts the numbers side by side.<\/p>\n<div style=\"overflow-x:auto;\">\n<table style=\"border-collapse:collapse;width:100%;\">\n<tr>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Metric<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Kotak Bank<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">Mahindra Finance<\/th>\n<th style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;background:#F0F4F8;\">HDFC Life<\/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;\">111,168.26<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">21,086.73<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">100,355.41<\/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;\">3.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.8%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">3.1%<\/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;\">19,180.63<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2,861.11<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">1,912.32<\/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;\">12.6%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.2%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">14.5%<\/td>\n<\/tr>\n<tr>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">Return on equity<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">11.06%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.72%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">10.10%<\/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;\">21.50<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">13.25<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">59.96<\/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;\">0.15%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">2.41%<\/td>\n<td style=\"border:1px solid #DDDDDD;padding:8px 10px;text-align:left;\">0.38%<\/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_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks_to_Buy_Before_You_Invest\"><\/span><strong>How to Evaluate Mumbai-Based Bank, Rural Auto Lender and Savings Insurer 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 Mumbai-based bank, rural auto lender and savings insurer stocks and shortlist Mumbai-based bank, rural auto lender and savings insurer 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 Mumbai-based bank, rural auto lender and savings insurer stocks<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Risks_to_Consider_Before_Investing_in_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks\"><\/span><strong>Risks to Consider Before Investing in Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Valuation:<\/strong> HDFC Life and Kotak Bank trade at 59.96 and 21.50 times earnings against industry multiples of 10.30 and 12.00.<\/li>\n<li><strong>Asset quality:<\/strong> A rise in overdue loans can reduce profit.<\/li>\n<li><strong>Funding costs:<\/strong> Changes in borrowing costs can move spreads.<\/li>\n<li><strong>Quarterly trends:<\/strong> A single weak quarter can change near-term earnings, so track results every quarter.<\/li>\n<\/ul>\n<p style=\"margin-top:24px;\"><em>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&#038;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Kotak Bank, Mahindra Finance and HDFC Life live.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Final_Take_Which_Stock_Has_the_Strongest_Roadmap\"><\/span><strong>Final Take: Which Stock Has the Strongest Roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>These three banking and insurance stocks cover a private bank, a rural lender and a life insurer. Kotak Bank leads on return on equity; Mahindra Finance leads on FY26 revenue growth and the lowest P\/E; HDFC Life leads on Q1 FY27 revenue growth.<\/p>\n<p>Across Mumbai-based bank, rural auto lender and savings insurer 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 Mumbai-based bank, rural auto lender and savings insurer 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_Mumbai-Based_Bank_Rural_Auto_Lender_and_Savings_Insurer_Stocks\"><\/span><strong>FAQs on Mumbai-Based Bank, Rural Auto Lender and Savings Insurer Stocks<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Which_are_the_best_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_in_India_with_a_strong_roadmap\"><\/span><strong>Which are the best Mumbai-based bank, rural auto lender and savings insurer stocks in India with a strong roadmap?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Kotak Mahindra Bank, Mahindra &amp; Mahindra Financial Services and HDFC Life Insurance Company stand out for their roadmaps in a private bank, a rural lender and a life insurer. FY26 revenue growth was 3.8% at Kotak Bank, 13.8% at Mahindra Finance and 3.1% at HDFC Life, and return on equity ranges from 10.10% to 11.06%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_Kotak_Mahindra_Bank_a_good_stock_to_buy_now\"><\/span><strong>Is Kotak Mahindra Bank a good stock to buy now?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Kotak Mahindra Bank has a return on equity of 11.06% and a P\/E of 21.50 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_Kotak_Bank_Mahindra_Finance_and_HDFC_Life\"><\/span><strong>What is the P\/E ratio of Kotak Bank, Mahindra Finance and HDFC Life?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The P\/E ratio is 21.50 for Kotak Bank (industry 12.00), 13.25 for Mahindra Finance (industry 17.72) and 59.96 for HDFC Life (industry 10.30). Only Kotak Bank and HDFC Life trade at or above the industry multiple.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_of_these_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_has_the_highest_return_on_equity\"><\/span><strong>Which of these Mumbai-based bank, rural auto lender and savings insurer stocks has the highest return on equity?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Kotak Mahindra Bank has the highest return on equity at 11.06%, followed by Mahindra &amp; Mahindra Financial Services at 10.72% and HDFC Life Insurance Company at 10.10%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_risks_of_investing_in_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks\"><\/span><strong>What are the risks of investing in Mumbai-based bank, rural auto lender and savings insurer stocks?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> The main risks are valuation, asset quality, funding costs and quarterly trends. HDFC Life and Kotak Bank trade at 59.96 and 21.50 times earnings against industry multiples of 10.30 and 12.00.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_did_Kotak_Bank_Mahindra_Finance_and_HDFC_Life_perform_in_Q1_FY27\"><\/span><strong>How did Kotak Bank, Mahindra Finance and HDFC Life perform in Q1 FY27?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Kotak Mahindra Bank reported revenue of Rs 30,068.60 crore, up 12.6% year on year, and net profit rose 23.9% to Rs 5,487.06 crore. Mahindra &amp; Mahindra Financial Services reported revenue of Rs 5,724.81 crore, up 14.2% year on year. HDFC Life Insurance Company reported revenue of Rs 33,929.83 crore, up 14.5% year on year, and net profit rose 11.5% to Rs 611.19 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Do_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_pay_dividends\"><\/span><strong>Do Mumbai-based bank, rural auto lender and savings insurer 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 0.15% for Kotak Bank, 2.41% for Mahindra Finance and 0.38% for HDFC Life, based on dividends declared for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_Mumbai-based_bank_rural_auto_lender_and_savings_insurer_stocks_in_India\"><\/span><strong>How can I invest in Mumbai-based bank, rural auto lender and savings insurer stocks in India?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> You can buy Mumbai-based bank, rural auto lender and savings insurer 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 Mumbai-based bank, rural auto lender and savings insurer stocks in India with a strong roadmap?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kotak Mahindra Bank, Mahindra & Mahindra Financial Services and HDFC Life Insurance Company stand out for their roadmaps in a private bank, a rural lender and a life insurer. FY26 revenue growth was 3.8% at Kotak Bank, 13.8% at Mahindra Finance and 3.1% at HDFC Life, and return on equity ranges from 10.10% to 11.06%.\"}},{\"@type\":\"Question\",\"name\":\"Is Kotak Mahindra Bank a good stock to buy now?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kotak Mahindra Bank has a return on equity of 11.06% and a P\/E of 21.50 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 Kotak Bank, Mahindra Finance and HDFC Life?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The P\/E ratio is 21.50 for Kotak Bank (industry 12.00), 13.25 for Mahindra Finance (industry 17.72) and 59.96 for HDFC Life (industry 10.30). Only Kotak Bank and HDFC Life trade at or above the industry multiple.\"}},{\"@type\":\"Question\",\"name\":\"Which of these Mumbai-based bank, rural auto lender and savings insurer stocks has the highest return on equity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kotak Mahindra Bank has the highest return on equity at 11.06%, followed by Mahindra & Mahindra Financial Services at 10.72% and HDFC Life Insurance Company at 10.10%.\"}},{\"@type\":\"Question\",\"name\":\"What are the risks of investing in Mumbai-based bank, rural auto lender and savings insurer stocks?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The main risks are valuation, asset quality, funding costs and quarterly trends. HDFC Life and Kotak Bank trade at 59.96 and 21.50 times earnings against industry multiples of 10.30 and 12.00.\"}},{\"@type\":\"Question\",\"name\":\"How did Kotak Bank, Mahindra Finance and HDFC Life perform in Q1 FY27?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Kotak Mahindra Bank reported revenue of Rs 30,068.60 crore, up 12.6% year on year, and net profit rose 23.9% to Rs 5,487.06 crore. Mahindra & Mahindra Financial Services reported revenue of Rs 5,724.81 crore, up 14.2% year on year. HDFC Life Insurance Company reported revenue of Rs 33,929.83 crore, up 14.5% year on year, and net profit rose 11.5% to Rs 611.19 crore.\"}},{\"@type\":\"Question\",\"name\":\"Do Mumbai-based bank, rural auto lender and savings insurer stocks pay dividends?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, all three companies pay dividends. The dividend yield is 0.15% for Kotak Bank, 2.41% for Mahindra Finance and 0.38% for HDFC Life, based on dividends declared for FY26.\"}},{\"@type\":\"Question\",\"name\":\"How can I invest in Mumbai-based bank, rural auto lender and savings insurer stocks in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You can buy Mumbai-based bank, rural auto lender and savings insurer 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>Kotak Mahindra Bank, Mahindra &#038; Mahindra Financial Services and HDFC Life Insurance Company compared on growth, margins, debt and valuation, with the roadmap and risks investors should track.<\/p>\n","protected":false},"author":29,"featured_media":316944,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[845],"tags":[11192,1266,13467,13468,13469],"class_list":["post-316945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-best-stocks","tag-hdfc-life-insurance-company","tag-kotak-mahindra-bank","tag-mumbai-based-bank","tag-rural-auto-lender-and-savings-insurer-stocks","tag-rural-auto-lender-and-savings-insurer-stocks-to-buy"],"metadata":{"rank_math_internal_links_processed":["1"],"_thumbnail_id":["316944"],"rank_math_title":["Mumbai bank, rural auto lender and savings insurer stocks"],"rank_math_description":["Mumbai-based bank, rural auto lender and savings insurer stocks with a strong roadmap compared on growth, margins, valuation and risks."],"rank_math_focus_keyword":["Mumbai-based bank, rural auto lender and savings insurer 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-mumbai-based-bank-rural-auto-lender-and-savings-insurer-stocks-with-a-strong.webp","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=316945"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316945\/revisions"}],"predecessor-version":[{"id":316946,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/316945\/revisions\/316946"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/316944"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=316945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=316945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=316945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}