Do any have IDFC guidance for the next 5 years.

I was trying to make sense whether the stock is worth dipping in or not:

1. With the recent DD , stock prima-face may look attractive , but with RBI guidelines their gold loan book is wiped out.

2. Now when the gold loan book was growing in excess on 30% and in absence , so consider their remaining loan books remains intact for FY26, though the trust issues created by this fiasco, will have spill affect on their over all loan book, and their other verticals may see a tampered growth, reduction in growth rate in FY26.

3. Stock might appear attractive based on FY-24 earnings multiples, say about 8-9 PE.

But come FY26 , their EPS estimated might come down to around 35 odd levels, assuming the restriction on gold loans remains through out FY26, which translates to around PE multiples of excess of double digits.

Assuming gold loan restrictions remains in FY26, and currently trading at around 12 odd PE multiples of FY26, is not much attractive when compared to peers like manapuram.

But the catch is if the gold loan restrictions are revoked anywhere between 6-9 months, then the stock is offering value.

But one can never be certain, if RBI revoked gold loan lift in 6-12 months time.

Contradicted openion welcome.

HI Vijay,

Thanks for the reply and good words.

I really want to start SIP, I have a bit of exposure in US EQUITIES ETF, It’s in my Retirement Portfolio, and I actively put in 2000$ a month into that. The major issue is I don’t believe in SIP or Mutual Funds currently.

I don’t know but I love to spend time understanding more about investing and finding companies, yes I understand this is not a thing which anyone can do partime, but still I would try to play around with 20% of my capital, although I’m pretty safe investor with 70% in more of largecaps. I think I’ll give myself more 2 years with the ideas I have explored and learning with the mistakes I made choosing wrong. If I fell that I’ll pretty much move everything to index funds rightaway. Currently I’m still underperforming Nifty100 as my XIRR is 17% over 3 years (I know it’s bull market and everyone is making profits), not taking bull market for my skills.

But would surely take this in the consideration.

Thanks Again!

I found it in one twitter post, you can search block deals of these companies in trendline.com like below