India could save over $45 billion yearly by cutting key imports
10% import cut in crude, gold, oil saves $22.65 billion
Halting foreign travel for a year could save $15.8 billion
*Stocks in News*
*Advance Agrolife:* Q4 Net Profit Rs 7.50 Cr vs 1.40 Cr (YoY), Q4 Revenue Rs 120 Cr vs 89.8 Cr (YoY) (Positive)
*Creditaccess Grameen:* Q4 Net Profit Rs 340 Cr vs 47.20 Cr (YoY), Q4 Revenue Rs 1,597 Cr vs 1,410 Cr (YoY) (Positive)
*Northern Arc:* Q4 Net Profit Rs 139 Cr vs 47 Cr (YoY), Q4 NII Rs 443 Cr vs 353 Cr (YoY). (Positive)
*Shipping Corp:* Q4 Net Profit 405 Cr vs 185 Cr (YoY), Q4 Revenue Rs 1513 Cr vs 1325 Cr (YoY) (Positive)
*Oberoi Realty:* Q4 Net Profit Rs 703 Cr vs 433 Cr (YoY), Q4 Revenue Rs 1750 Cr vs 1150 Cr (YoY) (Positive)
*MCX:* Q4 Net Profit Rs 530 Cr vs 135 Cr (YoY), Q4 Revenue Rs 889 Cr vs 290 Cr (YoY) (Positive)
*Monika Alco:* Q4 Net Profit Rs 22.0 Cr vs 18.0 Cr (YoY), Q4 Revenue Rs 180 Cr vs 150 Cr (YoY) (Positive)
*Sambhv Steel:* Q4 Net Profit Rs 53.3 Cr vs 16.6 Cr (YoY), Q4 Revenue Rs 685 Cr vs 495 Cr (YoY) (Positive)
*Rain Ind:* Q4 Net Profit Rs 120 Cr vs loss 140 Cr (YoY), Q4 Revenue Rs 4520 Cr vs 3760 Cr (YoY) (Positive)
*Niva Bupa:* Q4 Net Profit Rs 345 Cr vs 206 Cr (YoY), Q4 Revenue Rs 2078 Cr vs 1564 Cr (YoY) (Positive)
*Bombay Dyeing:* Q4 Net Profit Rs 21.0 Cr vs Rs 11.5 Cr (YoY), Q4 Revenue Rs 396 Cr vs 360 Cr (YoY) (Positive)
*Artemis:* Q4 Net Profit Rs 29.5 Cr vs 23.2 Cr (YoY), Q4 Revenue Rs 270 Cr vs 234 Cr (YoY) (Positive)
*Grindwell:* Q4 Net Profit Rs 119 Cr vs 92.5 Cr (YoY), Q4 Revenue Rs 840 Cr vs 710 Cr (YoY) (Positive)
*Aditya Vision:* Q4 Net Profit Rs 21.7 Cr vs 16.0 Cr (YoY), Q4 Revenue Rs 625 Cr vs 486 Cr (YoY) (Positive)
*Advanced Enzymes:* Q4 Net Profit Rs 43.0 Cr vs 26.5 Cr (YoY), Q4 Revenue Rs 204 Cr vs 170 Cr (YoY) (Positive)
*IRM Energy:* Q4 Net Profit Rs 13.2 Cr vs 4.6 Cr (YoY), Q4 Revenue Rs 301 Cr vs 290 Cr (YoY) (Positive)
*Sasken:* Q4 Net Profit Rs 27 Cr vs 11 Cr (YoY), Q4 Revenue Rs 334 Cr vs 148 Cr (YoY) (Positive)
*Atlanta Elec:* Q4 Net Profit Rs 102 Cr vs 44 Cr (YoY), Q4 Revenue Rs 748 Cr vs 411 Cr (YoY) (Positive)
*Kotyark Industries:* Company board to consider and approve bonus issue of equity shares (Positive)
*Gravita India:* Company to expand Lead recycling capacity at its Jaipur facility by 42,000 mtpa; project involves an investment of Rs 30 crore with a target completion date of June 2026 (Positive)
*Shree Cement:* Company commissioned new integrated cement plant in Kodla, Karnataka with 3.50 MTPA cement capacity and 3.65 MTPA clinker capacity (Positive)
*Midwest Ltd:* Company said to lead consortium for Rare Earth Elements Project in Kerala (Positive)
*Tanfac:* Company is setting up new 20,000 NITPA downstream fluorinated product plant at estimated cost of ₹495 crores (Positive)
*Alkem Labs:* U.S FDA conducts an unannounced inspection, no form 483 issued. (Positive)
*JSW Steel:* Company has been declared as a preferred bidder for Goa mineral block with 96 MT iron ore resources (Positive)
*Jupiter Wagons:* Company eyes global expansion with BESS, wagon exports: Mint. (Positive)
*Aptech:* Company has secured ₹6 Crore OMR Testing Contract from State Government Body. (Positive)
*KIMS:* Company enters into an agreement to lease a 2‑acre land parcel in Andhra Pradesh to develop a 500‑bed hospital. (Positive)
*Star Health:* Company to launch affordable health insurance plans targeting tier 2, 3 markets (Positive)
*GHV Infra:* Company has received a Letter of Intent from Cameroon Tyres Factory Project for proposed EPC works for construction of a Green Field tyre manufacturing plant capacity of 7.6 million Tyres per annum (Positive)
*Bank of India:* Q4 Net Profit Rs 3016 Cr vs 2626 Cr (YoY), Q4 Revenue 19470 Cr vs 18323 Cr (YoY). Q4 GNPA 1.98% vs 2.26% (QoQ), Q4 NNPA 0.56% vs 0.60% (QoQ). (Neutral)
*Tata Consumer Products:* Q4 Net Profit Rs 419 Cr vs 345 Cr (YoY), Q4 Revenue Rs 5,434 Cr vs 4,610 Cr (YoY) (Neutral)
*Amrutanjan Health Care:* Q4 Net Profit Rs 16.10 Cr vs 15.20 Cr (YoY), Q4 Revenue Rs 150 Cr vs 135 Cr (YoY) (Neutral)
*ABB:* Q4 Net Profit Rs 1,784 Cr vs 470 Cr (YoY), Q4 Revenue Rs 3,184 Cr vs 3,000 Cr (YoY) (Neutral)
*Bank of Baroda:* Q4 Net Profit Rs 5,615 Cr vs 5,050 Cr (YoY), Q4 Revenue Rs 32,600 Cr vs 30,600 Cr (YoY) (Neutral)
*Swiggy:* Q4 Net Loss Rs 800 Cr vs loss 1,080 Cr (YoY), Q4 Revenue Rs 6,380 Cr vs 4,400 Cr (YoY) (Neutral)
*JSW Infrastructure:* Q4 Net Profit Rs 418 Cr vs 510 Cr (YoY), Q4 Revenue Rs 1,520 Cr vs 1,280 Cr (YoY) (Neutral)
*Balkrishna Ind:* Q4 Net Profit Rs 299 Cr vs 369 Cr (YoY), Q4 Revenue Rs 2933 Cr vs 2752 Cr (YoY) (Neutral)
*Birla Corp:* Q4 Net Profit Rs 295 Cr vs 256 Cr (YoY), Q4 Revenue Rs 2836 Cr vs 2815 Cr (YoY) (Neutral)
*Advanced Enzyme:* Q4 Net Profit Rs 43 Cr vs 26 Cr (YoY), Q4 Revenue Rs 203 Cr vs 187 Cr (YoY) (Neutral)
*Kalyani Steel:* Q4 Net Profit Rs 71 Cr vs 79 Cr (YoY), Q4 Revenue Rs 480 Cr vs 501 Cr (YoY) (Neutral)
*Urban Company:* Q4 Net loss Rs 160 Cr vs 3.0 Cr (YoY) Revenue at Rs 426 cr vs Rs 298 cr (YoY) (Neutral)
*Rategain Travel Technologies:* Company announces the resignation of CFO Rohan Mittal effective May 8, 2026 (Neutral)
*Tata Consumer Products:* Company board approves Rs 160 crore investment to establish a new 2,000 mt instant tea manufacturing facility in India. (Neutral)
*Power Finance Corporation:* Company subsidiary PFCCL incorporates two new SPVs western ghats PSP transmission and Hingoli West Power Transmission to develop 400 kv substations in Maharashtra (Neutral)
*Hyundai Motor:* Company to deliver EBITDA margins within guided range of 11-14% in FY26-27. Expansion of Pune facility by another 70,000 units post phase-ii. (Neutral)
*Vodafone Idea:* Company explores stake transfer plan to strengthen Vodafone Idea’s finances. (Neutral)
*Fino Payments Bank:* April business update shows accounts opened up 9% at 2.36 lakh; average total deposits up 13% at Rs. 2,801 crore; loan‑referral disbursals up 204% to Rs. 166 crore. (Neutral)
*Bank of Baroda:* Bank to raise up to Rs.6,000 Cr Via Tier 1, Tier II Bonds. (Neutral)
*Asian Hotels:* Company appoints Sharad Sharma as Chairman with effect from May 8. (Neutral)
Circuit filter change from 20% to 10%: Aeroflex, Paramount, Sunflag Iron. (Neutral)
Circuit filter change from 10% to 20%: Omnitech. (Neutral)
Circuit filter change from 10% to 5%: RPSG. (Neutral)
Circuit filter change from 5% to 10%: Anondita. (Neutral)
List of stocks included in short term ASM Framework: Apcotex, Embassy Developments, Godrej Industries, Garware Hi-Tech, Shaily Engineering, Tejas Networks, Universal Cables, Vindhya Telelinks. (Neutral)
*Manappuram Finance Ltd* Ex-Date Monday, Interim Dividend – Rs. – 0.5 (Neutral)
*Kothari Petrochemicals Ltd* Ex-Date Monday, Interim Dividend – Rs. – 1.00 (Neutral)
*Aptus Pharma Ltd* Ex-Date Tomorrow, Bonus issue 3:2 (Neutral)
*Godrej Consumer Products Ltd* Ex-Date Tomorrow, Interim Dividend – Rs. – 5.0 (Neutral)
*Gujarat State Petronet Ltd* Ex-Date Tomorrow, Merger with Gujarat Gas, Ratio 10:13 (Neutral)
*Reliance Communications:* Company reports CBI seizure operation conducted on May 7, 2026, at its Navi Mumbai headquarters. (Negative)
*Bajaj Health:* Q4 Net loss Rs 22.9 Cr vs profit 11.2 Cr (YoY) Revenue at Rs 153 cr vs Rs 154 cr (YoY). (Negative)
*Shree Renuka:* Q4 Net loss Rs 120 Cr vs 91.6 Cr (YoY) Revenue at Rs 254 cr vs Rs 270 cr (YoY). (Negative)
*Oil marketing companies:* Lose ₹30,000 crore a month amid high crude prices: Govt (Negative)
*Shree Rama Multi:* Q4 Net Profit Rs 4.7 Cr vs 36.6 Cr (YoY), Q4 Revenue Rs 62.4 Cr vs 59.1 Cr (YoY) (Negative)
*Hyundai:* Q4 Net Profit Rs 1256 Cr vs 1614 Cr (YoY), Q4 Revenue Rs 18916 Cr vs 17940 Cr (YoY) (Negative)
*Mayur Uniquoters:* Dhodhsar plant Operations hit by worker strike. Production halted in one coating line since May 9 (Negative)
Read More:
UJJIVAN SMALL FINANCE BANK LTD Q4FY26 CONCALL HIGHLIGHTS
#Q4FY26
🔹 MANAGEMENT COMMENTARY
• Balance sheet crossed ₹50,000 Cr milestone
• Universal Bank aspiration remained intact
• Management remained highly confident strategically
• Technology investments remained major priority
• Portfolio diversification continued aggressively
• Secured assets focus increased steadily
🔹 FY27 OUTLOOK
• FY27 advances growth guided near 25%
• Around 140 branches planned during FY27
• ROA guidance remained near 1.6%
• Credit costs guided around 1.4–1.5%
• NIM guidance maintained near 8.5%
• Disbursement momentum remained strong
🔹 INDUSTRY TRENDS
• Indian economy remained relatively resilient
• Industry credit growth remained healthy
• Deposit competition intensified industrywide
• Geopolitical tensions remained key risk
• Oil volatility impacted macro visibility
• Inflation outlook remained broadly stable
🔹 COMPETITIVE POSITIONING
• Retail deposit franchise strengthened steadily
• Secured lending mix increased gradually
• Savings account repricing opportunity remained available
• Gold loans gaining stronger traction
• Vehicle finance expansion continued steadily
• Diversified banking model improving positioning
🔹 RISKS & CONCERNS
• RBI feedback delayed universal banking transition
• Secured-unsecured mix remained regulatory focus
• Global disruptions remained monitorable risk
• Margin pressure expected from secured mix
• Lower-yield loans impacting profitability profile
• Macro uncertainties remained elevated globally
🔹 GROWTH DRIVERS
• Secured portfolio contribution reached 49.4%
• Secured mix targeted above 56%
• Cloud-native technology investments progressing steadily
• AI initiatives improving customer engagement
• ₹2,000 Cr capital raise approved
• Branch expansion remained aggressive growth driver
🔹 PRODUCT MIX TRENDS
• Micro-banking growth moderated intentionally
• Gold loan contribution increased steadily
• Vehicle finance portfolio expanded meaningfully
• Agri-banking segment scaled gradually
• New business lines reached 6% mix
• Housing portfolio crossed ₹10,000 Cr
🔹 FINANCIAL HIGHLIGHTS
• Total deposits reached ₹45,668 Cr
• Deposits grew 21.4% YoY
• Gross loan book reached ₹40,655 Cr
• FY26 net profit stood ₹693 Cr
• Exit quarter ROE reached 17.2%
• GNPA remained controlled at 2.27%
• LCR remained healthy at 142%
🔹 KEY TAKEAWAYS
• Bank transitioning toward diversified institution
• Secured lending remained strategic focus
• Technology investments supporting future scalability
• Universal Bank ambition remained long-term priority
• Asset quality remained relatively healthy
• Management remained highly confident long-term
📊 𝗤𝘂𝗮𝗿𝘁𝗲𝗿𝗹𝘆 𝗥𝗲𝘀𝘂𝗹𝘁𝘀 𝗧𝗼𝗱𝗮𝘆! 📈
📅 𝗗𝗮𝘁𝗲: 11 May, 2026
📋 𝗖𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀:
– Metroglobal Ltd
– Abbott India Ltd
– Indian Hotels Company Ltd
– ITC Ltd
– UPL Ltd
– Oasis Securities Ltd
– Anant Raj Ltd
– Heritage Foods Ltd
– Indian Toners & Developers Ltd
– Privi Speciality Chemicals Ltd
– Premco Global Ltd
– Vertex Securities Ltd
– GE Power India Ltd
– Canara Bank
– JBM Auto Ltd
– Aurionpro Solutions Ltd
– PVR Inox Ltd
– Gillanders Arbuthnot & Company Ltd
– PPAP Automotive Ltd
– Mold-Tek Packaging Ltd
– JSW Energy Ltd
– D. B. Corp Ltd
– Vascon Engineers Ltd
– Orient Green Power Company Ltd
– Hexa Tradex Ltd
– SRG Housing Finance Ltd
– Arfin India Ltd
– Magadh Sugar & Energy Ltd
– The New India Assurance Company Ltd
– Manorama Industries Ltd
– NDR Auto Components Ltd
– Shyam Metalics & Energy Ltd
– G R Infraprojects Ltd
– Paradeep Phosphates Ltd
– Syrma SGS Technology Ltd
– Archean Chemical Industries Ltd
– Nuvama Wealth Management Ltd
– Jattashankar Industries Ltd
– Expo Engineering & Projects Ltd
– USG Tech Solutions Ltd
– Aerpace Industries Ltd
– Capfin India Ltd
– SVS Ventures Ltd
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