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SFP RESEARCH

6th Jan · SEBI-Registered Analyst

Indian Bank

INDIANB
is a mid‑to‑large PSU bank with improving asset quality post‑merger with Allahabad Bank. ​ It has strengthened capital, boosted retail and MSME lending, and improved profitability metrics. ​ Government ownership and low valuations provide some margin of safety for investors. ​ Risks include PSU‑wide issues of lower ROE versus private banks and vulnerability to corporate NPAs. ​

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