Concerns around the loan-to-deposit ratio (LDR) are less severe for PSU banks compared to private banks, with PSU banks' LDRs significantly lower (e.g., SBI at 73-74%). He expects PSU banks to continue outperforming private banks in credit growth, supported by better deposit franchises and higher liquidity, suggesting a sustained positive trend for the sector in the near to medium term.
State Bank of IndiaBullishCalled 26 Feb 2026Graded 19 Jul 2026
Verdict:MISS

State Bank of India declined from ₹1201.70 to ₹1068.45, a decrease of 11.09% over 62 days, which contradicts the bullish outlook.

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