Private Banks vs. PSU Banks: Who Wins? 🏆

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Banks and NBFCs contribute a major portion in the headlines indexes. However, in the past 5 years we have witnessed a major underperformance from the banks in private space vs the banks in PSU space.
In this video we will analyse the reasons for this underperformance and will try to crystal gaze into the future where there may be a scenario for the private banks to outperform the PSU banks.
Hope you like this detailed and analytical video and presentation on Private Banks vs PSU Banks.
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[@shreehariprasad6432]

Sir,, Don't worry about using technical terms, it's what differentiate your channel from others who dumb down their content and give superficial news like information rather than deep analysis

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[@AjitKumar-zo3fq]

Keep using technical terms bro.. I thing pro investor and finance literate ppl come to your channel

[@rajsub3884]

Crt . people can search online and learn

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​@@SOICfinance Yup now everyone knows the basics. Need to teach more complex terms

[@nikhilprithyani]

point 😂

[@akashbhatt9354]

Your vedios are all very good and very informative/insightful. For me this one is the best for me. Compiling historical data , connecting dots and creating a very logical big picture was simply awesome. Many thanks🎉

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[@vitthallondhe]

Thanks for sharing first principle thinking in stock market since 2020!!

[@ali_editz7]

Great informative and valuable video keep going SOIC💯👍🏻

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[@ramakantbehera1758]

Really amazing analysis,,,,,grt teacher👋thanks

[@robinmalhotra413]

Really Appreciate for such a valuable Insight.

[@SOICfinance]

We're happy that you're taking learnings from our content.😃 We hope to continue adding value to your investing journey. 🤝

[@ankur3128]

Thanks for sharing the analysis 🙏

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Thank you so much for your kind words and appreciation. It's truly humbling to know that our content has been valuable to you. We wish to keep enriching your investing experience. 🤝

[@YogeshKumar-tk1sv]

recently visited a private sector bank for a savings account, now I understand why they were insisting on a 1.5L fixed deposit.

[@prasanthpathiyil]

Thanks Soic

[@blithebony]

Key learning is the outperformance of psu banks is a cyclical event due to cleanup of balance sheet whereas private banks are consistent and long terms compounders which are maintaining credit costs and quality

[@ajeyingole7733]

Hello Sir,I Love the Way You Put Charlie Munger & Warren Buffett Behind You on the Shelves.

[@prameyprabhudesai864]

Fantastic analysis Ishmohit. Truly phenomenal indeed👏🏼👌🏼

[@SOICfinance]

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[@shashankkakrania7556]

Amazing video Sir! gained so much clarity about the banking industry for the first time your videos are really helping me in gaining real life knowledge during my CFA preperation, thank you so much!

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[@kushik.naveen]

Amazing analysis!

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We're grateful for your thoughtful feedback and appreciate the time you took to share your kind words with us. We're committed to providing high-quality content and insights, and your encouragement motivates us to continue striving for excellence.🙏🏻

[@ShubhamChugh19]

This CDR rule by RBI can back fire also in long term, leading the banks to take more riskier and high yielding loans as they can only use 80% of the deposit ratio

[@parthkiko27]

Great video! What is the source of data?

[@VibrantVideosbyRSC]

Crisp and Accurate analysis !! Kudos 🔥

[@SOICfinance]

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[@varunbahl2300]

Ishmohit, loved the video but I think you could have also brought in the angle of roe vs roa leading to the leverage factor, this one factor really outshines to show the difference between pvt. and psu banks. The psu banks are very susceptible to an economic downturn because of the high leverage would love to hear your view about the same.

[@z2zugzwang]

So true, leverage cuts both ways.

[@munishgoyal6079]

Eveyone is saying that private banks return will outperform but psu can outperform as the float is limited

[@Gamer_2047_]

Vinit Bolinjkar says PSU Bank stocks are good buy. They are poised to bounce back strongly on back of anticipated strong earnings. Many PSBs will raise funds to bring stake below 75%. So, a notable rally in PSUBs is expected in coming 4 to 5 days which will also propel Bank Nifty

[@VishakhRanjan]

Video of the year🏆 Excellently explained

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[@tajji4u]

one of the best videos watched recently

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[@skp3668]

U r just awesome. Gr8 knowledge sharing.

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[@Djrahul1000]

Yes got the difference thank you

[@rajnishkumar76]

I was looking for the link to the spread sheet with fundamental ratios like credit/deposit which are not available on screener

[@sanjayjain-qc3xx]

Thanks

[@z2zugzwang]

Hey Ishmohit and Team SOIC. Good work once again with the comparative analysis. @ minute 08:55, you have compared the absolute PPoP growth between PSU and Private Banks from Q3FY2021 to Q4FY2024. You mentioned there is a substantial difference between them. But I don't see the difference 🤔. Am I missing something?

[@shauryabihany8662]

Clarity? Hell yes!!

[@SOICfinance]

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[@jelinmehta2262]

Very useful video in detail

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[@Nick-iq9nn]

Your channel is underrated keep doing man excellent work. Subscribed today.

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[@sudhanshuhate5633]

loved the analysis, understood how banking sector works. However couldn't find the excel that was referred, in the links shared

[@SOICfinance]

We're glad to know you're enjoying learning from our content. Please refer to the link for presentation: soic.learnyst.site/pvtvspsubanks

[@Aditya-be9tz]

Superb content

[@jssping123]

Very good analysis

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[@RaoneJallad]

Diamond power infrastructure anaylsis

[@ajayjhansi1]

CDR बहुत अच्छे से समझ मे आ गया SIR JI

[@AdityaGoel-q7e]

Hello Sir, can't find the sheet with key ratios and valuations.

[@everythingwedo3150]

Please continue with your work, we need to upgrade ourselves as we stay more time in the market. Thank you for the video.

[@SOICfinance]

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[@AjitKumar-zo3fq]

Good analysis

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[@iamspd10]

How will rate cuts affect Poonawalla Fincorp?

[@PratikBabel]

Good video

[@Gamer_2047_]

Vinit Bolinjkar says PSU Bank stocks are good buy. They are poised to bounce back strongly on back of anticipated strong earnings. Many PSBs will raise funds to bring stake below 75%. So, a notable rally in PSUBs is expected in coming 4 to 5 days which will also propel Bank Nifty

[@vjmfinancialcreatewealthwi2546]

You are one of the best knowledgeable of business analysis bro. I respect you very much.

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I took soic one year membership,ya hoo🎉 nice content.13500 rupees totally worth it.i wish this content was there when i started in 2019( took some loss beacuse of not having convection).better late that ever started learning fundamental and technicals from this membership.

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[@Greencity8686]

Finally I got a great teacher..thank you..

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[@vineetagarwal9903]

Thanks a lot SOIC for wonderful and crisp analysis. Your efforts are commendable. Can you pls share the google sheet also, as mentioned in the video.

[@SOICfinance]

We are thrilled to receive your appreciation and thank you for taking the time to acknowledge our efforts. Your kind words are a motivation for us to continue providing high-quality content and analysis. We are committed to delivering the best possible experience for our viewers, and your feedback is invaluable in helping us achieve this goal. 🙏🏻Please refer to the link for google sheet: soic.learnyst.site/pvtvspsubanks

[@vineetagarwal9903]

@@SOICfinance Thanks for your revert. I had already downloaded that pdf. I was just wondering if there is some excel sheet which was mentioned.

[@vivekanandkumar9780]

Thank u so much Ismohit sir PPT ke dwara samjhane ke liye

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[@akshaytelang8692]

Thanks for great video. One question: why isn't RoA compared alongside RoE between PSBs and pvt banks? Isn't that equally important?

[@z2zugzwang]

To compare them, PSU banks ROE's would need to be shown in reference to their leverage.

[@hlpatwa]

Is it advisable to invest in Banking Sector Thematic Mutual Fund lumpsum ?

[@S-R-D7]

Nice video. Bank of maharashtra is amazing. Beaten most private and all psu banks.

[@sanatani-114]

Ur content is amazing

[@SOICfinance]

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[@sanatani-114]

@@SOICfinance bro go to sleep good night

[@sanatani-114]

@@SOICfinance good night

[@user-wf7gk9kt2c]

Yes sir super clarity i had ever experienced Apko bada salam mere tarap se

[@SOICfinance]

We are thrilled to receive such a kind acknowledgement from you and grateful for the opportunity to have been able to provide you with clarity.Happy learning! 🙏😃

[@rishabhgupta1632]

Hello, kindly make a full explanation of the "IDFC FIRST BANK" valuation and merger with *IDFC LTD*.

[@pranavgulabanii]

TOP STUFF

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[@iwasbatman_]

Kaafi detailed aur informative video tha bhai

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best analysis available

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[@vikramchauhan1831]

How to invest in ur AIF

[@sandipbhise8106]

Google Excel sheet kaise use karte hain please bataiye

[@sarabjits7679]

Timely

[@chandrasekhar5746]

hey whats your view on rbl

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SOIC is class apart, thanks for the video.

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[@jareenjoseph2544]

Do you sell portfolio services . Like your buy and sell positions you are taking

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[@pinakiinfotech2735]

Thanks a ton, u r very informative...Really love all your videos.....U r the best.....Wish u could show your stock preferences also when concluding the video (of course with disclaimer). . .....Sir, my major holding is in TRENT...... At today's price of Rs.5,364, different sites are showing different PE of Trent varying between 128 to 211. .After going through its Balance Sheet I understood that with exceptional gains its EPS is 41.82 and without it is 29.48. ....So at today's price of 5,364, PE of 128 (w/exceptional gains) and 182 without......So 128x & 182x r justified. ...But to my surprise SCREENER is showing PE of 211...... How is that possible ?...... Please advise which site to rely on ?....... and based on which calculations SCREENER is showing PE of 211 despite the fact that it is showing correct EPS of 41.82.... You have mastered the subject hope you help and explain.

[@z2zugzwang]

In screener, if you click the '+' symbol next to the net profit, it shows the amount against Exceptional Items. Does that match with the number you saw in the B/s? Profit for PE is also shown there.

[@user-hm1pv8hh5x]

Credit cost incee up bank kya hoto hai

[@vohraveerat4636]

CCL PLEASE DO LATEST ANALYSIS

[@aravindsankar4105]

Why Kylo Ren is in Light side and Darth Vader is using crossguard lightsaber 😛. Anyway, great video!

[@sandhyajain5204]

Complicated ..but thanku so much for trying ...I m nt from a finance background ...but I understood a little. ..will hav to watch multiple times to understand more 😊😊

[@SOICfinance]

We're thrilled that our explanation helped you understand the concept, despite not being from a finance background! We're glad we could make it accessible to you, and we're happy to hear that you'll be watching multiple times to further your understanding. We appreciate your kind words and thank you for choosing to learn with us.🙏🏻

[@Greencity8686]

I don't want tips i want learn.. i am learning lot from u.. So Ishmohit sir u r my great teacher..

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We are deeply humbled and grateful for your kind words. It's an absolute pleasure to be able to share knowledge with you, and we are thrilled to hear that you're finding it helpful. We hope to continue adding value to your investing journey. 🤝

[@kushalmondal8897]

I have a doubt. If intrest rate comes down then NIMs will contract but why would credit cost increease because people will more likely refinace and pay back their loans at lower interest cost. Thank you for such a informative video

[@z2zugzwang]

Ishmohit was referring to a concept called 'Reversion to the Mean'. Since the current credit costs are lower than the median and the lowest ever, the probability of them inching up to the median is higher. Since, the market is forward looking, any reversal in the movement of credit costs will force the market to re-value the company in line with the median or higher.

[@deepakdixit6777]

Superb video

[@SOICfinance]

We're glad to know you find value in our content. We hope to continue adding value to your investing journey. 🤝😃

[@computerscienceresearch]

I am from technical background but I love to hear your video my capital is 200000 and I don't have any idea

[@hkohli447]

Simply awesome...will watch atleast 5 times.

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We deeply appreciate your ongoing support. We're delighted to contribute to your investing journey and look forward to being a part of your continued growth. 😊🌟

[@rawtrader8841]

Are u CA or finance master Because your understanding and clarity of the topic is just amazing 🎉

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[@madanmeena9838]

Tq

[@sasodekar]

Bro.. whatever one say, I keep getting feel of you when I watch Arshdeep Singh bowling. And its more revealing after he had so good tour.... Similarity that was in looks can be clubbed with gesture and postures .. and professional skillsets also.

[@majidhussain7174]

Credit cost or gir nhi sakti or private banks already undervalued hai, that means Private banks will give a quite good rally from here.

[@BabaAndBaby11]

SBI+BoB+Union Bank vs HDFC+Axis+ICICI

[@DevanshDhruv]

where is the google sheet?

[@SOICfinance]

Hi. Thank you for reaching out to us. Please refer to the link: soic.learnyst.site/pvtvspsubanks

[@debo4064]

there is no google sheet in the description

[@ameshkonepalli748]

+1

[@ranveervibhute1562]

Yes...where is Google sheet?

[@saikat_saha_]

It's in my computer​@@ranveervibhute1562

[@SOICfinance]

Kindly refer to the link given below: soic.learnyst.site/pvtvspsubanks

[@mrsvathsaiyengar2815]

Very good analysis. Could these learning be done exclusively in 2 separate languages - English and Hindi. Understand your need of broader reach but 2 separate videos would be beneficial. I would want to subscribe to your courses but are the videos in Hindi only ?

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For any information regarding our courses and membership, please email us at [e-mail] We’ll get back to you at the earliest in 24-72 hours.

[@rohitvyas5865]

Sir small finance bank kiyo nhi chal rhe he

[@Adv_Aniket_garg]

BHAI PPOP KI growth dobara calculate karna,

[@user-wf7gk9kt2c]

Sir i am following you last two years. Your analysis is mind blowing that i ever seen such a super KZbinr. Can you please analyse SULA VINEYARDS business madel please 🙏🙏🙏

[@SOICfinance]

We're thrilled to hear that our content has been impactful and informative for you over the past two years! We're grateful for your kind words and enthusiastic support. Thank you for your suggestion. 😃 We hope this video was informative and is relevant to your investing journey. We hope you continue learning with us. 🤝

[@haribhauarmal6589]

ujjivan small finance Bank guided only 20% AUM growth instead of 25% for FY25. Why may this happen sarji.

[@gokulks5485]

Hi Sir, I want an information regarding that can u provide the materials about fundamentals of stock market. As u are providing the courses with different cost of 30k and 15 k. What is the difference in these two different courses? Is there any stock recommendations regarding quarterly or monthly or weekly. Please provide the needful information regarding this and it would be helpful with reply back sir. Thank you, With regards.

[@VishalJangid1]

Interest rates cut bhi hue toh loans issues jyada ho jayenge wo compensate kar dega NIMs ko shayad - HDFC bank dip buyer

[@z2zugzwang]

Lekin fir CDR ka kya?

[@VishalJangid1]

@@z2zugzwang hdfc strong hai, risk management accha hai - hdfc dip buyer

[@z2zugzwang]

'HDFC bank dip buyer' se koi Jeet sakta hai kya🤣🤣🤣

[@bharatghadhavi212]

Sir aap ka leval thoda higher hai thoda low kar do to samaj me aye

[@MinorityDoc]

Awesome kiddo

[@SOICfinance]

We're pleased that you're enjoying learning with us. 😃 Thank you for watching our videos. We hope to continue adding value to your investing journey. 🤝

[@nikhilprithyani]

idk how people are fan of bollywood celebs and not SOIC

[@SOICfinance]

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[@adhikarimsameer]

Amazing 👏 insightful video. Jai hind

[@ThelazyInvestor999]

🛑🛑🛑Kindly Share the excel sheet

[@SOICfinance]

Kindly refer to the link given below: soic.learnyst.site/pvtvspsubanks

[@LalanKumar-cb8bz]

Utkarsh finance Bank me 60 rs ke rate me fasa hua hu 5000 share Hold or sell Please 🙏

[@shubamdutta7599]

Aur lo Penny 🤣🤣😂😂

[@AdityaSingh-ds5si]

Sell it Promoters have sold 100% of stakes and public has more than 60% There is something suspicious about the company

[@ali_editz7]

Wait Karo Bhai mere pass bhi Hain next 2-3months ke baad stocks bhagega pehle budget khatam ho jane do

[@Loading__________...]

Promoter sold bcoz of RBI rule. Padh lo Jake... Although I agree public holding is very high and will dampen the stock price. ​@@AdityaSingh-ds5si

[@haribhauarmal6589]

ujjivan small finance Bank guided only 20% AUM growth instead of 25% for FY25. So falling continuously.

[@MehakpreetSingh-fz6ob]

I watch your channel only because of technical terms used by you.

[@SOICfinance]

Thank you for watching our videos. We hope to continue adding value to your investing journey. 😃

[@kunalroyKR]

Bhai ap idhar bank multibaggers dhundh rahe hain, udhar World cup me aap ke upar ball tampering allegations lagaye ja rahe hain 😀😀

[@JishnuChatterjee]

Hahahaha 😂 good one

[@Rhh0514]

Psu will do better as compare to private bank

[@majidhussain7174]

Can u tell why?

[@shubamdutta7599]

PSU 80% girega 😂😂🎉🎉

[@njexictfan]

Loan waivers have started, good luck holding PSU banks

[@Rhh0514]

@@majidhussain7174 you can watch chart

[@kaushikganesh6216]

No chance psu is just a temporary performance history shows private always beating psu

[@vishnugupta2050]

My friend considered you as only guru When I asked him recently whom do u follow Now I got to know .. wo kitna lucky rha ki wo shuru se aapko follow kar rha Kash hum bhi malum chala hota shuru men

[@ajayjhansi1]

Jai hind

[@namanrastogi15]

Keep making more intense content 👌

[@SOICfinance]

We're glad that you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤝

[@marketwatch5050]

Show ur return for last financial year

[@saikat_saha_]

🤫🤫🤫🤫

[@readershashank1761]

Always private banks. One step ahead of time 🕰️