Relative cheapness in PFC. My primary bet is on REC which I bought year back. I bought PFC recently with the money which I originally intended to top-up REC.
Reason for my primary bet on REC: If you go into minor financial level details like yield, cof, spread, nim, NPAs, ROE, loan growth, you can find REC have minor advantage in all parameters. And also since PFC has its stake in REC, any company level asset quality issue in either PFC or REC will affect PFC, but REC is ring fenced from PFC.
But all these are minor details and in current times, asset quality is not a concern, so I used topup money to buy PFC due to its relative cheapness.
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