Money Plan Investment Talks
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@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | United Spirits Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Nomura on United Spirits |
Initiate coverage with Buy Rating and target price of โ‚น 1,650.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | Union Bank Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Motilal Oswal on Union Bank |
Maintain Neutral rating with target price of โ‚น 180.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | HDB Financial Services Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Motilal Oswal on HDB Financial Services |
Maintain Neutral Rating & cut target price to โ‚น 815 vs โ‚น 830.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | Groww Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Motilal Oswal on Groww |
Maintain Buy with target price of โ‚น 190 vs โ‚น 185.
๐Ÿ‘‰๐Ÿฟ Citi maintains 'Buy' on Groww with Price Target of โ‚น 195.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | HDFC Life Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Morgan Stanley maintains 'Overweight' on HDFC Life with Price Target of โ‚น 875.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | CIPLA Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Morgan Stanley maintains 'Underweight' on Cipla with Price Target of โ‚น 1,292.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | L&T Tech Ltd. ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Morgan Stanley maintains 'Equal-weight' on L&T Tech with Price Target of โ‚น 4,420.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
Brokerages Views on Various Sectors & Stocks | OMC's ๐ŸŸข (Positive Outlook)
๐Ÿ‘‰๐Ÿฟ Citi on OMC's |
Govt assurances regarding policy stability & recognition of the need for reasonable returns provide further comfort.
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Indian Markets Morning Opening Bell๐Ÿ”” Updates 16th January 2026

๐Ÿ“ข Infosys top Nifty gainer, IT stocks jump after Infosys raises guidance, capital market stocks higher on Angel One, 360One results
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
๐ŸŽ™ Management Views & Voices | Asheesh Pandey of Union Bank Talks

โœ”๏ธ Our NIM barely declined over this 9-month period & the aspiration is to improve it further, we are at a comfortable position on capital adequacy. SMA levels are well under control & we remain confident in maintaining asset quality, says Asheesh Pandey, Union Bank
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q3FY26 Q3 Earnings/Results with MonePlan | Federal Bank Ltd.

โœ”๏ธ Federal Bank Hits Record Highs in Q3 FY26 ๐Ÿ“ˆ | NII at โ‚น2,653 Cr, Operating Profit at โ‚น1,729 Cr | MCap 60,770.26 Cr
โœ”๏ธ Net Interest Income (NII) at โ‚น2,653 Cr, Operating Profit at โ‚น1,729 Cr & Fee Income at โ‚น896 Cr (all-time highs for Q3 FY26).
โœ”๏ธ NIM improved to 3.18%, Cost to Income ratio at 53.92%, and Credit Cost at 47 bps.
โœ”๏ธ Asset quality at decadal best: Gross NPA at โ‚น4,447 Cr, Net NPA at โ‚น1,068 Cr, Provision Coverage Ratio at 75.14%.
โœ”๏ธ Total Balance Sheet at โ‚น3.67 Lakh Cr, Deposits at โ‚น2,97,796 Cr (CASA-driven growth).
โœ”๏ธ Retail Book now 55% of Customer Assets; Commercial Banking expands with Supply Chain Finance up 11.4% QoQ.
โœ”๏ธ Digital adoption strong: 93.81% transactions digital, 15.8L active FedMobile users.
โœ”๏ธ Blackstone invests โ‚น6,197 Cr via convertible warrants for 9.99% equity stake.
โœ”๏ธ ESG focus: Green portfolio at โ‚น 9,320 Cr, 42% gender diversity in workforce.
@t.me/MonePlan : Morning Stock Markets & Investment Updates with MonePlan :
MonePlan Awareness Series |
Market Will Remain Open on Feb 1 i.e. Sunday @ Budget Day
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q3FY26 Q3 Earnings/Results with MonePlan | UCO Bank Ltd.

โœ”๏ธ NII up 11.3% at โ‚น 2,646 Cr vs โ‚น 2,377.7 Cr (YoY)
โœ”๏ธ Net profit 15.8% at โ‚น 739.5 Cr vs โ‚น 638.8 Cr (YoY)
โœ”๏ธ Net NPA at 0.36% vs 0.43% (QoQ)
โœ”๏ธ Gross NPA at 2.41% vs 2.56% (QoQ)
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q3FY26 Q3 Earnings/Results with MonePlan | Punjab & Sind Bank Ltd.

โœ”๏ธ NII up 5% at โ‚น 986.2 Cr vs โ‚น 938.7 Cr (YoY)
โœ”๏ธ Net Profit up 19.3% at โ‚น 336.4 Cr vs โ‚น 282 Cr (YoY)
โœ”๏ธ Net NPA at 0.74% vs 0.83% (QoQ)
โœ”๏ธ Gross NPA at 2.60% vs 2.92% (QoQ)
โœ”๏ธ Net NPA at โ‚น 795.9 Cr vs โ‚น 854.1 Cr (QoQ)
โœ”๏ธ Gross NPA at โ‚น 2,870.8 Cr vs โ‚น 3,082 Cr (QoQ)
โœ”๏ธ Provisions at โ‚น 137.8 Cr vs โ‚น 147.7 Cr QoQ vs โ‚น 109.3 Cr YoY
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q3FY26 Q3 Earnings/Results with MonePlan | ICICI Bank Ltd.

โœ”๏ธ Reported a Net Profit of โ‚น 11,317.9 Cr in Q3 FY26, which is over 4% lower than last yearโ€™s โ‚น 11,792.4 Cr.
โœ”๏ธ The dip in Net Profit is due to one time excess provision of โ‚น 1,280 Cr of Agricultural Loans which is a one time issue. (This was done because of compulsion by RBI)
โœ”๏ธ Other than that - Almost all parameters like asset quality, business growth, operating profit improved during the quarter
โœ”๏ธ Net NPA at 0.37% vs 0.39% (QoQ)
โœ”๏ธ Gross NPA at 1.53% vs 1.58% (QoQ)
โœ”๏ธ Net NPA at โ‚น 5,732 Cr vs โ‚น 5,827 Cr (QoQ)
โœ”๏ธ Gross NPA at โ‚น 23,758 Cr vs โ‚น 23,849.7 Cr (QoQ)
โœ”๏ธ Board approves re-appointment of Sandeep Bakhshi as MD & CEO for another 2 years
@t.me/MonePlan : Stock Markets & Investment Updates with MonePlan :
Q3FY26 Q3 Earnings/Results with MonePlan | HDFC Bank Ltd.

โœ”๏ธ NII up 6.4% at โ‚น 32,615 Cr vs โ‚น 30,653 Cr (YoY)
โœ”๏ธ Net Profit up 11.5% at โ‚น 18,653 Cr vs โ‚น 16,736 Cr (YoY)
โœ”๏ธ Net NPA flat at 0.42% (QoQ)
โœ”๏ธ Gross NPA flat at 1.24% (QoQ)
โœ”๏ธ Net NPA at โ‚น 11,981.8 Cr vs โ‚น 11,447.3 Cr (QoQ)
โœ”๏ธ Gross NPA at โ‚น 35,179 Cr vs โ‚น 34,289.5 Cr (QoQ)
โœ”๏ธ Provisions at โ‚น 2,837.9 Cr vs โ‚น 3,500.5 Cr QoQ vs โ‚น 3,153.9 Cr YoY
๐Ÿ’ฐ PAT | โ‚น 18,654 Cr (Up 11.5% YoY) โ€“ Beats Street estimates!
๐Ÿ“ˆ NII | โ‚น 32,620 Cr (Up 6.4% YoY)
๐Ÿ›ก Asset Quality | GNPA stable at 1.24%
๐Ÿฆ Balance Sheet | Crosses the massive โ‚น 40 Lakh Cr mark!