{"id":27739,"date":"2026-02-14T18:56:14","date_gmt":"2026-02-14T13:26:14","guid":{"rendered":"https:\/\/signalz.pro\/?post_type=article&p=27739"},"modified":"2026-02-14T18:56:14","modified_gmt":"2026-02-14T13:26:14","slug":"sbin-psu-banking-%e0%a4%95%e0%a5%80-%e0%a4%85%e0%a4%9f%e0%a5%82%e0%a4%9f-%e0%a4%a4%e0%a4%be%e0%a4%95%e0%a4%a4-%e0%a4%a8%e0%a4%88-%e0%a4%8a%e0%a4%82%e0%a4%9a%e0%a4%be%e0%a4%87%e0%a4%af%e0%a5%8b","status":"publish","type":"article","link":"https:\/\/signalz.pro\/article\/sbin-psu-banking-%e0%a4%95%e0%a5%80-%e0%a4%85%e0%a4%9f%e0%a5%82%e0%a4%9f-%e0%a4%a4%e0%a4%be%e0%a4%95%e0%a4%a4-%e0%a4%a8%e0%a4%88-%e0%a4%8a%e0%a4%82%e0%a4%9a%e0%a4%be%e0%a4%87%e0%a4%af%e0%a5%8b\/","title":{"rendered":"“SBIN: PSU Banking \u0915\u0940 \u0905\u091f\u0942\u091f \u0924\u093e\u0915\u0924, \u0928\u0908 \u090a\u0902\u091a\u093e\u0907\u092f\u094b\u0902 \u0915\u0940 \u0909\u0921\u093c\u093e\u0928 \u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0938\u0947 \u0906\u0917\u0947 \u092c\u0922\u093c\u0924\u093e \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0917\u094c\u0930\u0935!”"},"content":{"rendered":"

Technical Analysis
\n<\/strong>Current price \u20b91,198 (Feb 14, 2026 close), 52-week high \u20b91,203.70\/low \u20b9680; day’s high \u20b91,201\/low \u20b91,184.50, volume elevated. New ATH since Oct 2025 (~\u20b9918), up 30% in 1Y\/286% in 5Y; trading above all EMAs (20\/50\/200), RSI ~77 (overbought but bullish momentum intact), MACD positive crossover, ADX confirming strong uptrend. Pivot: R1 \u20b91,220, S1 \u20b91,180; bullish flag\/cup-and-handle patterns with high volume on upswings\u2014rally likely to extend to \u20b91,300+ (broker TPs \u20b91,100-1,110). Position building viable on dips (buy above \u20b91,180 support, SL \u20b91,150).<\/p>\n

Fundamental Analysis
\n<\/strong>Q3 FY26 standalone: Record net profit \u20b921,028 Cr (+24-24.5% YoY), NII \u20b945,190 Cr (+9% YoY), NIM 2.99% (domestic 3.12%, +3 bps QoQ); operating profit \u20b932,862 Cr (+39-40% YoY). GNPA 2.15% (down), NNPA 0.39%; CRAR 14.05%; loan growth guidance 13-15%, CD ratio 73%, strong deposits. PE 12.93 (attractive), consistent ROA 1%; market cap \u20b911L Cr+. Broad-based loan book, digital momentum (UNO app), superior asset quality.<\/p>\n

Rally Continuation
\n<\/strong>Yes, breakout from \u20b9740-760 base, higher highs\/lows structure, institutional buying; brokerages forecast 15-20% upside (HSBC\/Goldman TP \u20b91,110). NIM trajectory >3%, loan growth, asset quality support sustainability; overbought RSI may cause consolidation, but uptrend intact.<\/p>\n

Recent News Events
\n<\/strong>Q3 results (Feb 6-7): Record profit boosted shares.
\nInvestor meets: Feb 9-12 (in-person), Analyst Meet Feb 7 post-results.
\nFeb 12 strike: Limited operational impact warned. Overall impact: Positive sentiment, re-rating potential.<\/p>\n

Positive News
\n<\/strong>Q3 profit +24%, NIM up, 13-15% loan guidance.
\nBullish calls: HSBC Buy TP \u20b91,110, strong ROA.
\nBest-in-class asset quality, deposit mobilization.<\/p>\n

Negative News
\n<\/strong>Feb 12 strike minor disruptions.
\nDeposit mobilization challenges (market-linked savings).
\nOverbought RSI signals short-term pullback risk.<\/p>\n

Macro View
\n<\/strong>Banking sector bullish (Nifty Bank rally), RBI rates stable, economic growth fueling credit demand; PSU re-rating wave with FII interest. NIM upward but deposit costs rising.<\/p>\n

Micro View
\n<\/strong>Broad loan book (retail\/MSME\/corporate), slippage control, strong recoveries; FY26 loans 13-15%, NIM >3%; digital\/UNO driving customer acquisition.<\/p>\n

Disclaimer
\n<\/strong>This analysis is for informational and educational purposes only and does not constitute investment, financial, tax, legal, or any other advice. Stock markets are subject to substantial risks, including the possible loss of principal. Past performance is not indicative of future results. Investors should conduct their own independent research, assess their risk tolerance, financial situation, and consult qualified financial advisors or SEBI-registered professionals before making any investment decisions. Investogainer Research assumes no liability for any losses arising from reliance on this report. Data is sourced from public domains as of Feb 14, 2026, with no guarantee of accuracy or completeness.<\/p>\n

Conflict of Interest Disclosure
\n<\/strong>Investogainer Research (SEBI Reg No. INH000012856, BSE Enlistment No. 5845, Website: www.investogainerresearch.com), its directors, employees, associates, or related entities hold no direct or indirect positions, long\/short derivatives, or significant stakes (>1%) in State Bank of India (SBIN). No financial incentives, compensation, or benefits are tied to this analysis or any recommendations implied therein. All views expressed are independent and derived solely from publicly available data.<\/p>\n

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