Ujjivan Small Finance Bank's share price recently hit an all-time high around ₹65.5-68.0, marking a strong bullish milestone amid robust sector performance.

Ujjivan Small Finance Bank's stock just smashed its all-time high around ₹65.5-68. Wow, right? Traders are buzzing, and for good reason – the bank's latest numbers look solid.

The Big Surge Reason:

Strong Q3 results lit the fire. Net profit jumped 71% year-on-year to ₹186 crore. Net interest income hit a record ₹1,000 crore, up 12.8% YoY. Loan book grew too, with disbursements booming – think small businesses and rural folks borrowing more amid India's economic pickup. Shares popped 7% in a day, way ahead of the market. Sector tailwinds helped, but Ujjivan's low bad loans sealed the deal.

Key Financial Snapshot:

Market cap sits at about ₹11,200-12,200 crore. P/E ratio? Around 26.9 – higher than industry average of 15. ROE varies in reports, like 6.7% or up to 11.9%, showing decent returns on equity. No dividend yield right now at 0%. Debt details? Not super clear from latest grabs, but low debt-to-equity implied in healthy capital ratios around 21%. Profit growth YoY crushed it at 71% in Q3; cash flow strong from deposit growth to ₹39,000 crore. Imagine your savings account swelling like that – reliable.

Samit Ghosh started it all in 2005 as Ujjivan Financial Services, spotting a gap for urban poor needing loans. No big fancy founders, just a guy fixing credit access for 10 crore+ folks back then. Turned NBFC-MFI, got small finance bank license in 2016. Now over 750 branches, serving unbanked masses. Side note: Ghosh stepped down years ago; Sanjeev Nautiyal runs it now.

Business Model and Offerings?Simple: Lend to the underserved – women in JLGs, small biz owners, no collateral needed. Products? Microloans (avg ₹20k), personal loans, housing finance, MSME credit at 10-14% rates. Savings accounts, fixed deposits too – zero-balance ones pull in newbies. High-touch like microfinance meets bank tech for efficiency. 70% customers from unbanked; loan book ~₹35,000 crore. It's like your friendly neighborhood lender, but scaled up. Helps real people start shops or homes.

Short-term optimistic. Analysts eye ₹80 soon. For 2026, targets around ₹55-61 min-max – conservative, but current price already beat that? Wait, markets move fast. By 2030, could hit ₹79-85 if loan growth sticks. Longer haul? Scarce data. One forecast sees ~₹70 by 2034, assuming steady compounding. Me? If ROE improves and economy booms, double or more by 2035-2040 feels possible – think 15-20% CAGR like past 3-year 130% run. But hey, banking risks lurk: NPAs, rates. Not advice, just gut from numbers. 

IREDA Q3 FY26 Business Update: Loan Disbursements Jump 44%, Sanctions Hit ₹40,100 Cr, Loan Book Nears ₹88,000 Cr.

IREDA's stock just popped up to around ₹147 after that killer Q3 update. Loan disbursements shot up 44% to ₹24,903 crore, sanctions climbed 29% to ₹40,100 crore, and the loan book hit ₹87,975 crore—basically ₹88,000 crore. No wonder shares jumped nearly 6% in a day.

Why the Price Surge?

This news hit like a solar panel in sunlight. Investors love growth in renewables, right? IREDA's numbers scream demand for green loans amid India's push for net-zero. But hey, it's off 37% from yearly highs—52-week top was ₹234, low ₹129. Volatile, like monsoon rains. Still, short-term charts show bullish crossovers.

Market cap sits at ₹39,149 crore. P/E ratio? 22.72, above industry average of about 18 for term lenders. �� Dividend yield is 0%—bummer, no payouts despite profits. ROE strong at 16.54-18%, debt-to-equity high at 6.31 (they borrow big to lend). Cash flow? Operating is negative ₹14,460 crore last year—typical for lenders funding loans. Profit grew 35-44% YoY recently.

It's a government baby, born 1987 under Ministry of New & Renewable Energy. Fully owned by GoI back then, now Navratna PSU after 2023 IPO. Current chairman? Pradip Kumar Das, finance pro with 30+ years. Promoters hold 72%. Think of it as India's green bank, backed by Uncle Sam (govt).

Lend to solar, wind, hydro, battery projects. Term loans, short-term cash, even guarantees. No deposits, pure NBFC—borrow cheap from bonds/markets, lend to green devs at higher rates. Loan book exploding shows India's 500 GW renewable goal is real. They finance makers too, like panels. Risky? Yeah, but AAA rated.

Tough call, markets flip fast. By end-2026, maybe ₹400-560 if disbursements keep roaring—renewables boom helps. 2030? ₹700-1,100, riding 20% CAGR profits. 2035 around ₹1,500-2,000, 2040 ₹2,000-2,800. Wild guesses from analysts, assuming India hits green targets. These are my wildest guesses. Do your own research please.

City Union Bank Share Price Hits All-Time High at ₹289: Buy Now or Wait?

Have you seen City Union Bank's stock? It just smashed through ₹289, an all-time high. Feels like one of those moments where you're wondering if the train's leaving without you.

What's pushing it up? 

Strong profits, low bad loans, and trading above all those moving averages—5-day, 200-day, you name it. Over four days, it climbed nearly 5%, beating the banking pack. Retail lending's booming too, with credit growth eyed at 15-18% ahead. Kinda reminds me of that uncle who bought HDFC shares years back and now sips coffee on dividends.

But wait—is this a bubble? Doubt it. Institutional bigwigs hold chunks, betting on steady cash flows. Still, markets can flip fast, right?

Started back in 1904 as Kumbakonam Bank Limited. Twenty sharp locals in Tamil Nadu—guys like R. Santhanam Iyer, S. Krishna Iyer, and T.S. Raghavachariar—signed the papers. No single "founder" star, more a team effort for farmers and traders in Thanjavur delta.First branch? Mannargudi in 1930. Grew slow, regional. Renamed City Union Bank in 1987. Now 700+ branches pan-India. Solid Tamil roots, but playing national now.

Classic bank gig: lend money, earn interest. That's 85% of cash—loans to folks, SMEs, farms. Retail's 60% of interest pie, corporates 25%, treasury the rest.Fees add 15%: charges for processing, cards, trades. Net interest income hit ₹1,175 crore last year, up 15%. Low NPAs at 3-4% keep it healthy. Simple: borrow cheap, lend higher. Like renting out your bike but at scale.

What They Offer You?

Savings, current accounts—easy opens online. Fixed, recurring deposits for safe parking. Loans? Personal, home, gold, vehicle, education. MSME cash for small biz hustles. 

Cards too: debit for shopping, lounges, insurance perks. Net banking, mobile app—balance checks, transfers, bills. NRI stuff, trade finance for exporters. Everyday banking, no frills overload.

Short term? Holding ₹280s now, could test ₹300-350 if rally sticks. Buy now? If you're in for 2-3 years, maybe—momentum's hot. But wait for a dip if nervous. 2026: Around ₹310-400. Lending growth, digital push. 2030: ₹550-1,000, if economy hums and NPAs stay low. Wild guess for 2035? ₹1,500+, assuming India banks boom like China did. 2040? ₹2,500? Pure optimism—retirement fund vibes, but who knows inflation or recessions.

The above prices are my wild guesses. Kindly read about it or talk to your financial planners to know more.