{"id":58804,"date":"2026-01-18T19:45:39","date_gmt":"2026-01-18T14:15:39","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=58804"},"modified":"2026-01-18T19:45:41","modified_gmt":"2026-01-18T14:15:41","slug":"private-bank-stocks-after-q3-fy26-where-should-investors-look","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/","title":{"rendered":"Private Bank Stocks After Q3 FY26: HDFC Bank, ICICI Bank, Yes Bank or RBL Bank \u2014 Where Should Investors Look?"},"content":{"rendered":"<p>With hopes high for a consumer-friendly Union Budget 2026, India&#8217;s private sector banks have started performing well in Q3 FY26 earnings. Large players such as HDFC Bank and ICICI Bank have shown positive results, and turnaround banks such as Yes Bank and RBL Bank have stunned analysts with their profitability and stability.<\/p><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 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#For_investors_the_big_question_is_Which_banking_stock_will_deliver_the_best_results_after_Q3\" title=\"For investors, the big question is: Which banking stock will deliver the best results after Q3?\">For investors, the big question is: Which banking stock will deliver the best results after Q3?<\/a><\/li><\/ul><\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#Q3_FY26_Snapshot_How_Did_the_Banks_Perform\" title=\"Q3 FY26 Snapshot: How Did the Banks Perform?\">Q3 FY26 Snapshot: How Did the Banks Perform?<\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#ICICI_Bank_Steady_Growth_with_Strong_Deposit_Momentum\" title=\"ICICI Bank: Steady Growth with Strong Deposit Momentum\">ICICI Bank: Steady Growth with Strong Deposit Momentum<\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#Yes_Bank_Profit_Surge_Signals_Turnaround_Progress\" title=\"Yes Bank: Profit Surge Signals Turnaround Progress\">Yes Bank: Profit Surge Signals Turnaround Progress<\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#RBL_Bank_Stability_Returns_with_Operating_Profit_Growth\" title=\"RBL Bank: Stability Returns with Operating Profit Growth\">RBL Bank: Stability Returns with Operating Profit Growth<\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#Expert_Take_Which_Bank_Looks_Best_for_Investors\" title=\"Expert Take: Which Bank Looks Best for Investors?\">Expert Take: Which Bank Looks Best for Investors?<\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#Technical_View_Which_Stock_Looks_Strongest_on_Charts\" title=\"Technical View: Which Stock Looks Strongest on Charts?\">Technical View: Which Stock Looks Strongest on Charts?<\/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\/private-bank-stocks-after-q3-fy26-where-should-investors-look\/#Key_levels_to_watch\" title=\"Key levels to watch:\">Key levels to watch:<\/a><\/li><\/ul><\/nav><\/div>\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"For_investors_the_big_question_is_Which_banking_stock_will_deliver_the_best_results_after_Q3\"><\/span><strong>For investors, the big question is: Which banking stock will deliver the best results after Q3?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><hr class=\"wp-block-separator has-alpha-channel-opacity\"\/><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Q3_FY26_Snapshot_How_Did_the_Banks_Perform\"><\/span><strong>Q3 FY26 Snapshot: How Did the Banks Perform?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><strong>HDFC Bank: Consistency Backed by Strong Balance Sheet<\/strong><\/p><p>HDFC Bank delivered a strong Q3 performance, backed by sustainable revenue and improved profitability.<\/p><ul class=\"wp-block-list\"><li>Net revenue: \u20b945,870 crore ( 8.9% YoY)<\/li>\n\n<li>Profit after tax: Up 11.5% YoY<\/li>\n\n<li>Capital adequacy ratio: 19.9%<\/li>\n\n<li>Tier-1 CAR: 17.8%<\/li>\n\n<li>Gross NPA: 1.24%<\/li>\n\n<li>Net NPA: 0.42%<\/li><\/ul><p>As stated, HDFC Bank\u2019s asset quality is good, and its capital buffers are one of the strongest in the industry, according to Seema Srivastava, Senior Research Analyst, SMC Global Securities.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"\/><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ICICI_Bank_Steady_Growth_with_Strong_Deposit_Momentum\"><\/span><strong>ICICI Bank: Steady Growth with Strong Deposit Momentum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>ICICI reported stable earnings performance, driven by consistent credit and deposit growth in the retail sector.<\/p><ul class=\"wp-block-list\"><li>Q3 PAT ( Profit after tax): \u20b911,318 crore<\/li>\n\n<li>Deposit growth: 9.2% YoY to \u20b916.59 lakh crore<\/li>\n\n<li>Capital adequacy ratio: 17.34%<\/li>\n\n<li>CET-1 ratio: 16.46%<\/li><\/ul><p>According to some analysts, ICICI Bank remains well-positioned for investors seeking predictable earnings growth, supported by robust capital strength and stable asset quality.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"\/><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Yes_Bank_Profit_Surge_Signals_Turnaround_Progress\"><\/span><strong>Yes Bank: Profit Surge Signals Turnaround Progress<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Yes Bank stood out in Q3 FY26 with a sharp jump in profitability, reflecting ongoing improvement in its operating engine.<\/p><ul class=\"wp-block-list\"><li>PAT: \u20b9952 crore ( 55.4% YoY)<\/li>\n\n<li>Return on Assets (RoA): Improved to 0.9%<\/li><\/ul><p>The main focus of banks is probably on secured retail lending and commercial banking, which are driving strong fundamentals, while asset quality trends continue to improve.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"\/><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBL_Bank_Stability_Returns_with_Operating_Profit_Growth\"><\/span><strong>RBL Bank: Stability Returns with Operating Profit Growth<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>RBL Bank delivered a stable quarter, marked by steady profitability and improving operating metrics.<\/p><ul class=\"wp-block-list\"><li>Net profit: \u20b9214 crore<\/li>\n\n<li>Operating profit: \u20b9912 crore ( 7% YoY)<\/li><\/ul><p>Like Yes Bank, RBL Bank is also prioritising secured retail and commercial segments, which is gradually improving earnings visibility and asset quality.<\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"\/><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expert_Take_Which_Bank_Looks_Best_for_Investors\"><\/span><strong>Expert Take: Which Bank Looks Best for Investors?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Speaking on the performance comparison, Seema Srivastava of SMC Global Securities stated that:<\/p><p><strong>\u201cHDFC Bank &amp; ICICI Bank remain strong long-term investment opportunities, with a proven track record of growth, strong capitalisation, and a healthy asset quality. The improvements in profitability &amp; asset quality at Yes Bank make it an attractive turnaround story, while RBL Bank\u2019s stability &amp; focus on secured lending are encouraging.\u201d<\/strong><\/p><hr class=\"wp-block-separator has-alpha-channel-opacity\"\/><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Technical_View_Which_Stock_Looks_Strongest_on_Charts\"><\/span><strong>Technical View: Which Stock Looks Strongest on Charts?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>From a technical perspective, ICICI Bank seems to be at the forefront.<\/p><p>Anshul Jain, Head of Research with Lakshmishree, said:<\/p><ul class=\"wp-block-list\"><li>ICICI Bank has been relatively stronger despite the corrections in the Nifty and Bank Nifty.<\/li>\n\n<li>Institutional Demand for Stocks Remains Strong<\/li>\n\n<li>The stock is making a clean cup-and-handle pattern on the daily chart.<\/li>\n\n<li>Volumes are still favourable to the bullish configuration<\/li><\/ul><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_levels_to_watch\"><\/span><strong>Key levels to watch:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><ul class=\"wp-block-list\"><li>Breakout trigger: Above \u20b91,430<\/li>\n\n<li>Potential upside: \u20b91,520\u20131,550<\/li>\n\n<li>Risk control: As long as the handle low holds, risk\u2013reward remains favourable<br><\/li><\/ul><p><\/p>","protected":false},"excerpt":{"rendered":"<p>With hopes high for a consumer-friendly Union Budget 2026, India&#8217;s private sector banks have started performing well in Q3 FY26 earnings. Large players such as HDFC Bank and ICICI Bank have shown positive results, and turnaround banks such as Yes Bank and RBL Bank have stunned analysts with their profitability and stability. For investors, the<\/p>\n","protected":false},"author":23,"featured_media":58805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3800,3801],"class_list":["post-58804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-q3-results","tag-q3-results-2026"],"metadata":{"_edit_lock":["1768745784:23"],"_last_editor_used_jetpack":["block-editor"],"rank_math_internal_links_processed":["1"],"rank_math_primary_category":["842"],"rank_math_seo_score":["54"],"rank_math_title":["Private Bank Stocks After Q3 FY26: HDFC, ICICI, Yes Bank, RBL"],"rank_math_description":["HDFC Bank, ICICI Bank, Yes Bank and RBL, Private Bank Stocks after Q3 FY26 results analysed. 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