PSBs Ka Toofani Profit! ₹2 Lakh Crore Paar, Share Price Bhaagega Kya?

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AuthorVihaan Mehta|Published at:
PSBs Ka Toofani Profit! ₹2 Lakh Crore Paar, Share Price Bhaagega Kya?
Overview

Bhai log, Public Sector Banks (PSBs) ka kamaal dekho! FY26 mein inka combined profit **₹2 Lakh Crore** ko cross karne wala hai, jo ab tak ka sabse bada number hai. Asset quality bhi ekdum mast ho gayi hai aur loan dene ka growth bhi **12%** tagda hai.

PSBs Ki Kamai Ka Naya Record!

Indian Public Sector Banks (PSBs) ne finance mein ek naya itihas rach diya hai! FY26 mein, inka combined profit ₹2 Lakh Crore se bhi zyada hone ka estimate hai. Ye lagataar bade numbers dekhne ko mil rahe hain, FY23 mein ₹1.05 lakh crore, FY24 mein ₹1.41 lakh crore, aur FY25 mein ₹1.78 lakh crore ka profit tha. Yeh zabardast growth credit expansion se aa rahi hai jo lagbhag 12% hai, aur deposit mobilization bhi 10% par chal rahi hai.

Valuation Kya Bolta Hai?

Market mein PSU Banks ka P/E ratio lagbhag 10.05 par hai, jo overall market ke 23.15 ke P/E se kaafi kam hai. Iska matlab hai ki yeh banks abhi bhi khareedne ke liye kaafi attractive prices par mil rahe hain. Jaise, Indian Overseas Bank ka P/E 14.10, Bank of Maharashtra ka 7.78, aur Indian Bank ka 10.38 hai. Private sector banks ke mukable yeh valuations bahut hi solid lagte hain.

Asset Quality Aur Government Ki Chalaaki

PSBs ki financial health aur sudhar gayi hai. Gross Non-Performing Assets (NPAs) gir kar sirf 2.30% pe aa gaye hain, jo kai saalon ka sabse nichla star hai. Net NPAs bhi 3% ke aas paas hain Sep 2025 tak. Provisioning Coverage Ratio 94.63% hai, jo loan defaults ke liye achha buffer deta hai, aur Capital Adequacy Ratio 15.96% par sthir hai. Q3 FY26 mein toh Bank of Maharashtra ke Net NPAs 0.15% aur Indian Overseas Bank ke 0.24% pe pahunch gaye. Government bhi inko aur mazboot banane ke liye Bank of Maharashtra se ₹2,627.52 crore aur Indian Overseas Bank se ₹1,419.36 crore Offer for Sale (OFS) se raise kar chuki hai. Sabse badi news yeh hai ki PSBs mein Foreign Direct Investment (FDI) ki limit 20% se badha kar 49% karne ka proposal review mein hai, jisse unki capital base aur badh sakti hai.

Competition Aur Economy Ka Scene

Desh ki economy FY26 mein 7.4% tak grow kar sakti hai, jo banking sector ke liye ek positive sign hai. 2025 mein PSBs ne stock returns mein private banks ko takkar di hai. Lekin, SBI, HDFC Bank, ICICI Bank jaise bade private players abhi bhi absolute profit mein aage hain. Competition private banks, fintechs aur payment banks se bhi lagatar badh rahi hai, jisme PSBs ko bhi active rehna padega.

Risky Sides Bhi Hai Bro!

Sab kuch itna smooth nahi hai. Credit growth (12-13%) deposit growth (10-10.6%) se thoda zyada ho raha hai, jisse Net Interest Margins (NIMs) pe pressure aa sakta hai, specially agar RBI rate cuts karta hai. FDI limit badhne ka proposal hai, par ye implement kaise hoga aur governance pe kya asar padega, yeh dekhna baaki hai. Recent Budget mein banking sector ko review karne wali committee ki announcement se PSBs ke stocks mein thoda dip bhi dekha gaya tha. Digital transformation mein bhi PSBs ko tez hona hoga.

Aage Kya Ho Sakta Hai?

Analysts generally optimistic hain aur kuch 2026 tak banking index mein 18-30% ka upside dekh rahe hain. Par kuch ka kehna hai ki 2026 mein profit growth thoda slow ho sakta hai. FDI hike aur economic growth factors positive hain, par execution sabse important hoga.

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