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If You are Looking to Trade Intraday Bank Nifty option with Single Target and make 150-300 points; then our Bank Nifty option tips is best for you as it provide Large Targets and Small Stop Loss. The aim is to make Rs 3750-7500 almost daily by trading in Bank Nifty Options by employing just Rs 10,000 capital. Your profit is assured as we trade with "NO Loss Strategy". Click on Image or Post Title to Read More.

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Latest Video Reviews by Clients

You can have a look at the Video Reviews provided by our ongoing current clients regarding Indian-Share-Tips.Com Services to include Bank Nifty Option Tip. You must have a look to know about their satisfaction level, profit generated and complaints if any. Click on Image or Post Title to Read More.

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Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

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Why Is SBI Cards’ Market Share Declining Despite Rate Cuts?

SBI Cards’ market share has declined despite healthy retail spend. Motilal Oswal maintains a Neutral rating, expecting moderate loan growth and steady margins through FY28.

Why Is Motilal Oswal Cautious on SBI Cards Despite Healthy Retail Spending?

About SBI Cards and Its Market Context

SBI Cards and Payment Services, India’s second-largest player in the card industry, commands 19.1 per cent share in card-in-force (CIF) and 16.6 per cent share in overall industry spends. However, its market share in spending has gradually declined over the years due to moderation in corporate spends and rising competition from fintech and private issuers.

Motilal Oswal’s Latest Assessment

Motilal Oswal Securities maintains a Neutral stance on the stock with a target price of ₹950 (CMP ₹920). Analysts highlight that while retail spends have shown resilience, overall growth remains moderate amid tighter credit policies and intense competitive pricing.

SBI Cards has benefited from recent rate cuts, leading to a 30 bps decline in cost of funds (CoF). Analysts believe further reduction is possible if rates continue softening. Yet, given the near-term inflation pressures, the overall cost of credit is expected to stay elevated.

According to Motilal Oswal, the easing credit cost and improving return ratios could still provide incremental tailwinds. They foresee a possible improvement in RoA to 3.8 per cent in FY26, 4.6 per cent in FY27, and 4.8 per cent in FY28, with steady recovery in card spending trends.

To stay updated with evolving market sentiment and index moves, readers can check the latest Nifty Tip insights curated by our in-house analysts.

Projected Growth and Loan Outlook

Motilal Oswal expects spends to clock an 18 per cent CAGR between FY25–FY28, while loans are likely to grow by around 15 per cent CAGR during the same period. This forecast assumes continued pickup in consumer spending and limited disruption from digital credit products.

While these estimates appear strong, the brokerage warns that SBI Cards’ growth will hinge on consumer confidence and stable macroeconomic indicators. The improvement in margins and return ratios will depend heavily on how effectively SBI Cards manages risk in its retail lending book.

For those following the broader index momentum, our market specialists also share strategic insights through the Bank Nifty Tip section, updated regularly with expert interpretations.

Investor Takeaway

Indian-Share-Tips.com Technical Analyst Gulshan Khera, CFP®, who is also a SEBI Regd Investment Adviser, notes that while SBI Cards retains strong franchise value and customer base, the near-term upside appears limited due to pressure on margins and spending share. A gradual improvement may follow once consumer credit normalizes.

Related Queries

What Could Drive SBI Cards’ Loan Growth in FY26 and Beyond?

How Does Motilal Oswal’s Neutral Rating Affect Investor Sentiment?

SEBI Disclaimer: The information provided in this post is for informational purposes only and should not be construed as investment advice. Readers must perform their own due diligence and consult a registered investment advisor before making any investment decisions. The views expressed are general in nature and may not suit individual investment objectives or financial situations.

Motilal Oswal, SBI Cards, Neutral Rating, Card Industry, Loan Growth, Retail Spend, Nifty Tip, Bank Nifty Tip, Indian-Share-Tips.com, SEBI Registered Investment Adviser

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Jackpot Bank Nifty Option Tip

Jackpot Bank Nifty Option tip, as the name suggests has the potential to get you more money Profit as it is not the number of tips one trades; but it is the accuracy of a single tip which has the potential to help you realise your financial dreams. This tip is a value for money for all i.e whether one can see the trading terminal or not or is dealing through a broker on phone at BSE, NSE or in F&O. Thus you are on a correct path of making money every day with single daily accurate tip. Click on Image or Post Title to Read More.

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Latest Video Reviews by Clients

You can have a look at the Video Reviews provided by our ongoing current clients regarding Indian-Share-Tips.Com Services to include Bank Nifty Option Tip. You must have a look to know about their satisfaction level, profit generated and complaints if any. Click on Image or Post Title to Read More.

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Awards and Recognition

An award is something which is awarded based on Merit. Awards & Recognition are a must in Life as it provides the necessary vigour to keep progressing ahead in Life. Awards do not only acknowledge success; they recognise many other qualities: ability, struggle, effort and, above all, excellence. This is the reason that for past 22 Years we have been christined as Best Stock Market Tips Provider & we are at the 'Top' in this field. Check out our Awards by clicking on Image or Post Title Now!!

Best share market tips provider award in India

 
Chart> Nifty A B C D E F G H I J K L M N O P Q R S T U V W X Y Z 0-9