Archive · 26 Aug 2026
MarketSmith India Highlights Stock’s RAM Portfolio and Margins
MarketSmith India recommended a stock for 26 August.
The company is changing the types of customers it lends to.
It is moving away from riskier corporate loans.
More of its loans now go to Retail, Agriculture, and MSME customers.
These three areas make up 86% of all its loans.
The article says these areas provide higher yields.
The company has a Return on Assets of about 1.85%.
Its Net Interest Margin is 4.11%, which reflects the strength of its lending performance.
MarketSmith India recommended a stock on 26 August.
The business is shifting away from riskier corporate segments.
Retail, Agriculture, and MSME sectors now account for 86% of total loans.
The RAM portfolio is described as having higher yields.
Operational performance supports an approximately 1.85% Return on Assets and a 4.11% Net Interest Margin.
- Who
- MarketSmith India recommended an unnamed stock.
- What
- The recommendation is based on a shift toward Retail, Agriculture, and MSME lending, along with strong operating metrics.
- When
- 26 August.
- Why
- The business has an 86% RAM share of total loans, an approximately 1.85% Return on Assets, and a 4.11% Net Interest Margin.
- Recommendation date
- 26 August
- Recommended by
- MarketSmith India
- RAM sectors
- Retail, Agriculture, and MSME
- RAM share of total loans
- 86%
- Return on Assets
- Approximately 1.85%
- Net Interest Margin
- 4.11%
- Business shift
- Away from riskier corporate segments toward RAM sectors