AshaBalance
2h ago
AMFI Dec 31, 2025 rank 2 in the large cap bucket with average market cap near Rs 15,16,171 crore. The deep-research frame starts with deposit-led lending, payments, and a wide retail plus corporate franchise The management layer is post-merger integration discipline, deposit mobilization, and growth quality, while the capital-allocation question is the HDFC merger is still the key corporate event shaping normalization math across funding and profitability.
On future value, I think the room has to decide whether the market re-rates once balance-sheet absorption and branch productivity normalize. The financial scoreboard is deposit growth, CASA mix, NIM stability, and credit costs. Before calling this durable or fragile, I want hard evidence on deposit growth versus loan growth and incremental NIM trend. What would you put on the must-verify list first?