Best Sector for 2026 ? Long Term Structural Opportunity ?

Описание: In this video, we deep dive into the Gold Finance sector and explain how record-high gold prices are acting as a strong tailwind for gold financing companies in India.

With gold prices at all-time highs, gold loan companies are witnessing higher loan disbursements, improved ticket sizes, and stronger balance sheets. Adding to this growth, the RBI’s recent increase in Loan-to-Value (LTV) limits has further boosted the sector’s lending capacity:

1. LTV increased from 75% to 85% for loans up to ₹2.5 lakh
2. LTV increased to 80% for loans up to ₹5 lakh

These regulatory changes, combined with rising gold prices, have significantly improved disbursement growth and scalability for gold finance companies.

Companies Covered in This Video:

1. Muthoot Finance
2. IIFL Finance
3. Manappuram Finance
4. CSB Bank
5. Federal Bank Financial Services

Key Highlights:

Muthoot Finance, the largest player in the gold finance sector, has a loan book of ~₹1,25,000 crore and holds around 209 tonnes of gold.

Over the last 10 years, Muthoot Finance has delivered ~36% CAGR returns, showcasing the power of a strong business model and disciplined lending.

The company has consistently maintained high Return on Equity (ROE) and Return on Assets (ROA) due to conservative underwriting and superior risk management.

Detailed discussion on IIFL Finance and Manappuram Finance, including:

1. Business model differences
2. Asset quality concerns
3. Regulatory and execution challenges
5. Reasons why these companies have not achieved valuation multiples or book value expansion similar to Muthoot Finance

This video helps investors understand:

1. Why the gold loan business benefits disproportionately during rising gold prices
2. How RBI regulations impact gold finance companies
3. Which companies are structurally stronger in the gold finance space

Key risks and challenges before investing in gold finance stocks

This video is purely for educational purposes and is not a stock recommendation.

Join Tiny Titans -
https://valueeducator.com/tiny-titans/

Join Emerging Titans -
https://valueeducator.com/emerging-ti...

Check more details on : https://www.valueeducator.com/

Disclosure
SNM Value Educator Research Services LLP is registered with SEBI under SEBI (Research Analyst) Regulations, 2014 with registration no. INH000019789.

Standard Warning
Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Disclaimer
Registration granted by SEBI, enlistment with RAASB and certification from NISM in no way guarantee performance of the Research Analyst or provide any assurance of returns to investors.

Check out my other videos:
A unique SME Stock | Waste to Wonder ?
   • Waste to Wonder | A Unique SME Stock ?  
Why ace investors are bullish?📈 Small Cap stock 💡    • Why ace investors are bullish? Small Cap s...  
Next Mega Trend | Don't Miss This Sector:   • Next Mega Trend | Don't Miss This Sector  

Follow me on :
Twitter :   / valueeducator  
Instagram :   / valueeducator  
Facebook :   / valueeducator  
Email: [email protected]

Timelines
00:00 - Introduction
2:25 - Gold Finance Sector
9:19 - Muthoot Finance
10:35- Sector Overview
12:05 - P/B vs P/E
12:30 - IIFL Finance
13:20 - Mannapuram Financ
14:10 - Zero NPA Business
15:00 - CSB Bank
19:40 - Fedfina
23:00 - Conclusion

#beststocks2026 #goldfinance #muthootfinanceshareanalysis